He has discussed industry topics on CNBC and Fox news as well as participated on numerous industry panels. He has served on the MBA’s Legislative Committee and served on the Board of Adjustment for the City of Longwood, Florida. Joe is a certified mortgage banker (CMB) through the Mortgage Bankers Association of America. With a strong belief in community, Joe serves on the boards of The Advent Hospital Foundation, The Seminole and Orange County Sheriff Foundations, and the FBC Mortgage Charitable Foundation. from June 1989 until October 2003 and served on the boards of Sunshine Bank (NASDAQ), Southern Community Bank, and Fifth Third Bank of Central Florida (NYSE). Joe was a shareholder and Vice President at American Heritage Mortgage Corp. Prior to co-founding FBC Mortgage, LLC Joe was SVP at First Horizon Home Loans, a NYSE listed company from October 2003 until November 2005 Joe served as CEO and President of The Sterne Agee Group after their acquisition of FBC Mortgage in 2012 and returned to FBC in 2015 after the company re-acquired itself from Sterne Agee. ![]() He is a director at One Florida Bank, a Central Florida based community bank. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.Īs a matter of policy, BBB does not endorse any product, service or business.Joe is the Co-CEO of FBC Mortgage, LLC and co-managing member of its parent Pine Court Holdings, LLC. BBB Business Profiles are subject to change at any time. When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.īBB Business Profiles generally cover a three-year reporting period. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. Read MoreīBB Business Profiles may not be reproduced for sales or promotional purposes.īBB Business Profiles are provided solely to assist you in exercising your own best judgment. Nothing has happened, my home is sitting in limbo because of their error and they refuse to contact me and review the call. My Forbearance should be immediately reinstated and extended under the *** guidelines. ![]() 10 requests via phone, uploading to their portal, and email and not one reply! My Loss *************** is in "completed but pending review" status. ![]() In the application I was required to submit an affidavit and I explained the error they made and requested again for a supervisor to review the call on and call me to discuss. I was asked to submit a full loss mitigation package which I have done and uploaded to their loan solutions portal. I have asked that a supervisor call me 10 different occasions and I have asked that the call on be listened to to verify I did make contact as requested to extend. I have an *** loan and am entitled to 12 months Forbearance. I contacted them Feb 27th 2023 to extend the forbearance. They kicked me out of my forbearance stating no contact with borrower.
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So gather your supplies and get ready to bring some monster fun to your Halloween festivities. These cute little monsters make for playful decorations or even party favours for a Halloween celebration. It would be so much fun! Here are some ones that we did! ![]() Make a Bunch of colourful monsters with varying colours and features. You will have 3 pages -with a set of Eyes, Mouth and Horns.Ĭut out the required template and glue it to the plate. To skip the Painting step, you can get Colourful Paper Plates.ĭownload the free monster template at the end of the post and print the Template. Don’t forget to check out these other 20 monster themed activities for kids. Paint the 9-inch plates with washable paint in the colour of your choice. Let your little monsters unleash their creativity with this fun paper plate monster craft Perfect for kids of all ages, let their imagination run wild and create the most unique monsters. Monster Craft template (Download at the end of the post) Directions to Make Paper Plate Monster Craft.They can then decorate their monster by glueing on their eyes, adding horns, or drawing on extra details using markers or crayons. Let the kids choose their favourite Monster design and have them cut out the pieces using the template as a guide. This blog includes a free Monster Template for the eyes, mouths, and horns. As an Amazon Associate, I earn from qualifying purchases. Give these friendly monsters a try today! Not sure why really, it just isn’t my holiday of choice. I’m not a huge fan of Halloween or its decorations. Plus, they make great decor for parties or as a whimsical addition to any room in your home. Little Halloween Monsters It’s October This means leaves turning colors, football games, apple orchards, my big brother’s birthday, soups and warm breads, pumpkin carving and Halloween. These little monsters are sure to delight both little ones and adults alike. If you’re looking for a Fun and Easy Halloween craft to do with the kids, look no further than Paper Plate Monster Craft! Using just paper plates, paint and our free printable template, you can create a colourful menagerie of scary (or not-so-scary) creatures. To make the rings you have to cut halfway at the end of the gray ring strip on each end of the strip on the opposite sides (the gray area is only gray in the pre-colored version). ![]() ![]() The financial impact of this transaction is subject to the timing of the actual close of the transaction.įollowing the closing of the transaction, Wave will maintain its leadership team, including Kirk Simpson, operating independently within H&R Block from its headquarters in Toronto, Ontario. Based on the expected timing of closing, H&R Block estimates that the transaction will generate $40 to $45 million of revenue for fiscal 2020. The transaction is expected to close within the next few months, subject to regulatory approval and customary closing conditions. Under the terms of the agreement, H&R Block will acquire all outstanding shares of Wave for $405 million, funded with available cash. workers are freelancers, a number that is expected to grow to roughly 87 million by 2027, representing over half of the U.S. Additionally, approximately 57 million U.S. Wave’s innovative platform supports the large and expanding small business market, which includes 31 million small businesses in North America and more than 100,000 new businesses created every month. “We are excited to work together to deliver additional value to small businesses to help them succeed.” “Given the complementary strengths of these two great companies and our shared vision of providing financial help to people who need it, we’re delighted to be joining the H&R Block team,” said Kirk Simpson, co-founder and CEO of Wave. It also provides new growth opportunities as Wave’s disruptive pricing and low-cost customer acquisition model has resulted in rapid, organic growth. The acquisition expands H&R Block’s product and client portfolio and enhances its position in the small business market. ![]() Wave provides us the opportunity to accelerate our small business strategy and is a great strategic fit, as both companies can leverage each other’s capabilities to bring tax and financial solutions to small business owners, serving more clients in more ways.” Wave addresses these concerns by delivering financial solutions and a simple user experience on a single platform. “Bookkeeping and cash flow management are significant pain points for small business owners and essential to successful annual tax preparation. “I’m extremely excited to welcome Wave, an innovative company with an outstanding team, to H&R Block,” said Jeff Jones, president and CEO of H&R Block. All of these products and services are offered through a comprehensive platform used by over 400,000 small businesses globally every month. Wave generates revenue by offering payment processing, payroll services, and bookkeeping services, with additional products currently in development. Based in Toronto, Ontario, Wave is innovating and disrupting the small business market with free accounting, invoicing, and receipt-tracking software. (“Wave”), a rapidly-growing financial solutions platform focused on changing the way small business owners manage their finances, for $405 million in cash. (NYSE: HRB) today announced that it entered into a definitive agreement to acquire Wave Financial, Inc.
(These will spend the next week wilting alongside your margarine, but let’s not think about that right now.) Do you have a lemon at home? You should probably grab a lemon, two to be safe. You will contemplate asking the high-schooler stocking shelves if they sell edible flowers, chicken out, and just grab some fresh herbs instead. ![]() To assemble a butter board for one, you will look deviously at the half-used tub of margarine in your fridge before Googling “local butter near me.” You will make your way to some sort of a Whole Foods and purchase the most expensive stick of butter your shopping cart has ever seen. As someone who has long worshiped at the altar of the dip dinner - a meal comprised entirely of various dips - a butter board is but another delectable idol. Are butter boards safe? Are they a more accessible alternative to the high-end cheese boards? Are they a manifestation of our desire to eat food off of anything but a plate and, in turn, “ infantilizing”? Are they literally just butter atop a board? Historians will never know.Ī post shared by Joshua McFadden one is making a butter board just for themselves - I mean, if they are, more power to them,” chef McFadden told the Washington Post, which I took as a challenge rather than a warning. Are you Team Butter Board or Anti-Butter Board? We now have an entire butter-board discourse. It’s a delicious encapsulation of the internet’s collective desire to turn any small moment into a capital-M Moment, to assign value to something as innocuous as butter. (Would you rather eat a butter board or put a loaded gun in your mouth?) “I was not expecting this to blow up,” Doiron wrote in a comment beneath her initial TikTok, “but YOU CAN USE A KNIFE JUST LIKE A CHEESEBOARD CALM YOURSELVES.” ( Why is everyone talking about butter boards?) This, of course, came in tandem with inexplicable outrage. ( What even is a butter board?) Next, came the media-propelled assertion that this new-fangled craze was everywhere. (Have you heard of a butter board?) Then, the confusion. Over the past few weeks, butter boards have seeped their way into internet vernacular. Who knew butter could be so beautiful? At the end of her 28-second video, which loops seamlessly back to the start, Doiron recommends serving the board with warm bread during your next dinner party. The butter board Doiron creates is gorgeous, topped with flaky salt, lemon zest, red onion, and edible flowers. In her butter-board video, Doiron says she was inspired by chef Joshua McFadden, who includes instructions on how to make a butter board in his 2017 cookbook Six Seasons: A New Way With Vegetables. They are the audiovisual equivalent to having mommy rub your back as you fall asleep. If you’re unfamiliar with Doiron, her food videos, especially ones in which she is making toast, are soothing in their simplicity and gentle in their delivery. On September 15, cook Justine Doiron (a.k.a. In part because the dish is self-explanatory: a charcuterie-inspired board spread with butter, topped with various herbs, lemon, honey, salt, etc., and served with bread. ![]() ![]() Photo-Illustration: by The Cut Photo: make a butter board, you must first accept a few undeniable truths: (1) you will do whatever the internet tells you to do, (2) you will probably like it, and (3) you are about to consume an unforgivable amount of butter.Īt this point, I don’t need to tell you what a butter board is. A still from the TikTok that started it all. Sounds like a winner … and looks so tasty too. You’ll find plenty of easy recipes using ground turkey like chilis, meatballs, tacos, and more. Stir fry and cook for about 3 minutes or until the sauce thickens. Stir fry and cook for about 10 minutes or until nicely browned. Whisk together garlic, honey, soy sauce, sesame oil, ginger in a mixing bowl. This creative ground turkey recipe uses a spicy hummus to develop that creaminess without a roux. Ma20+ Delicious Ground Turkey Recipes Over 20 delicious, healthy ground turkey recipes that make the perfect lunches and dinners. Add ground turkey to a large non-stick skillet over medium heat. Spicy Hummus Turkey Chili | Running to the KitchenĬhili that’s both creamy and spicy? Sign me up. These 23 ground turkey recipes, while not necessarily all quick and easy, include ones perfect for dinner anytime (yes, even tonight!), for when you want something different and for when you have time to plan ahead. And it adapts to different cuisines well too. Like ground beef, it cooks quickly and can be used in so many different ways. ![]() Ground turkey can help make quick, last-minute dinners a snap. Ground turkey chili has all of the autumnal flavors you cravesmoky, meaty, a little spicy, and (duh) pumpkin-y. The answers were wide and varied … and the thing I loved most about them? It just showed that this happens to everyone. But I also asked my Facebook friends what they do when that happens. Ground Beef/Turkey Recipes Cheesecake Factory Meatloaf Recipe Creamy Italian Sausage Spaghetti Crock Pot Cheeseburgers Garlic Butter Skillet Meatballs. ![]() Ultimately, I whipped up make-your-own pasta bowls that night. And as if that's not enough, these meatballs contain pesto. ![]() Make up a double batch and try serving over baked sweet potatoes for a second fast weeknight feast. How many times have you arrived home with no idea what would hit the table for dinner that night? That happened to me earlier this week when I’d forgotten to toss the pork in the slow cooker in the morning. 01 of 20 Mozzarella-Stuffed Pesto Turkey Meatballs View Recipe Allrecipes Magazine Cutting into a melty mozzarella center makes meatballs all the more satisfying. Not only are these made with leaner turkey, but there’s also a slew of hidden veggies inside When they’re diced small and covered in sauce, nobody will even know they’re there. The State Department did not immediately respond to a request for comment on China's statement. to give up its so-called "China threat theory," and to lift sanctions against China and to stop suppressing China's technological development. ![]() tech giant Micron's products.Īccording to a People's Daily statement, Wang asked the U.S. blocking China's access to advanced chip tech and China banning key infrastructure operators from buying U.S. ![]() and China also intensified in recent months, with the U.S. The Biden administration has been trying to convince the Chinese to accept competition as the mainstay of the relationship, and recognize that it is essential to work together to manage the competition and "prevent competition from veering into conflict," Glaser tweeted. "In my view, it will not be possible to stabilize bilateral ties unless Beijing accepts that competition is now the dominant feature of U.S.-China relations and requires active and effective management," Glaser told CNBC. Personal Loans for 670 Credit Score or LowerĬhinese state media quoted Xi as saying: "Competition among major powers does not conform to the trend of the times, let alone solve America's own problems and the challenges facing the world."īonnie Glaser, managing director of the Indo-Pacific program at German Marshall Fund, said this point in Xi's speech was "problematic." Personal Loans for 580 Credit Score or Lower Best Debt Consolidation Loans for Bad Credit ![]() To clean the buttons, use an alcohol wipe or compressed air spray.ĩ. If this works, it shows that one or more of your keypad buttons is malfunctioning - usually because it's clogged with dirt. Choose a new number which does not contain any of those figures, such as 9364. This time, though, be sure to input only digits not currently in use. Check for button malfunction: If you have gotten this far and still your garage door keypad's not working, try changing the code once again. Just keep in mind that If you change the keypad code, you will also have to reprogram the remote.Ĩ. Reprogram keypad: Press "Reset" for the keypad or change the code per manufacturer's instructions for your particular model. Wait about 5 minutes before reinserting the plug and starting the system up again.ħ. First, turn off the garage door opener then unplug it completely. Reboot the system: Rebooting the system when your garage door keypad is not working has a similar effect to clearing your computer cache of stored memory - it's a simple fix that often gets things going again. If either of those is the issue, detach the wires and reattach them securely.Ħ. Check the wires: Check both your garage door keypad and your remote for any frayed wires or loose connections. TIP: A lithium battery is a good choice if you live in a region with cold winters.ĥ. No need to take the keypad down from its mounting just open the cover at the bottom. You can easily replace the battery yourself. Signs that you might have a low (or dead) battery include:īuy a replacement battery - usually a 9-volt for newer models, although some older ones take a 12-volt. If this is the case, you'll need to clear the keypad's memory and reprogram it. When you're able to close the garage door - but not open it - with your wireless entry system, you may be inputting a temporary PIN number that has now expired. It's easy to make a mistake when you use a single keypad, programmed with assorted PINs for several garage door openers. Verify PIN: Double-check you're entering the correct PIN code. (That's about the length of two or three cars. Check you're within range: Because keypads have a limited range, they will work only when you're within less than 30-50 feet of your garage door. Check compatibility: Are you using a universal garage door keypad, rather than the model made specifically for your garage door type? Even so-called "universal keypads" may not work with all models.Ģ. Troubleshoot them yourself, or call a garage door repair service for help.ġ. To help you out, here's a list of (reasonably) quick fixes for common causes of a garage door keypad not working as it should. When your garage door keypad's not working right, it's important to get the device functioning normally again ASAP. Of course, some gadgets are more crucial than others. We're so dependent on our gadgets - no wonder we're discombobulated when they don't perform. ![]() Just like Sherlock himself, and those he seeks to protect. It's something that makes the show stand out, because it's different. ![]() Sherlock finds drama in the positive and joyous as well as in the dark. Sherlock is a great series, but not for the reason that other beloved, though heavy dramas, are. Sherlock Season 3 Episode 2 Review: Cumberbatch dazzles as the eccentric best man Sherlock takes some time off from case-solving (but not too much time) to play the best man at Dr. ![]() Ultimately, it is what I believe every Sherlock episode is - a really good time. It still had in-jokes though (like Lestrade being at the ready to film Sherlock in his drug-addled state again), and plenty of fan moments (like more exploration of the Holmes family). "His Last Vow" combined the action and humor elements of the show's earlier episodes, without tilting one way or the other too much (like some might say the first two of this season did). The Sign of Three Episode aired TV-14 1h 26m IMDb RATING 8.9 /10 28K YOUR RATING Rate Crime Drama Mystery Sherlock tries to give the perfect best man speech at John's wedding when he suddenly realizes a murder is about to take place. Sherlock Holmes Season 3 Episode 3 'His Last Vow', Southeast Asia's leading anime, comics, and games (ACG) community where people can create. Meanwhile though, it provided Sherlock with a reason to stay put in England, and sets up another season of mystery. Is it (a) an alive Moriarty? (b) a ruse set up from before his death, played by one of his former minions? Or by someone looking to pull Sherlock out of hiding? (c ) a ruse concocted by Mycroft or the mysterious third Holmes brother (or even their parents?) to keep Sherlock from his Eastern European mission? (that was assured to be deadly?) It could really be anything, and the truth of it will have to wait. Sherlock series 2 episode 1: A Scandal in Belgravia review Benedict Cumberbatch and Martin Freeman make a stunning return in series 2 of Sherlock. The fact that his message was made up of GIFs and audio, and wasn't (seemingly) a live feed deepens the mystery. The Empty Hearse Air date: Two years after his apparent death, Sherlock returns to solve a terrorist threat John, having moved on with his life and angry that he wasnt told of. Speaking of guns of course brings us to Moriarty, and another cliffhanger that will leave us talking for another year or more. ![]() In order to influence decision-making in real-life situations, subliminal messages must be stored for long-term after only a few exposures, e.g. With such a broad impact, subliminally planted information might have the potential to alter our decisions in everyday situations such as voting. Subliminal stimuli can facilitate conscious processing of related information ( Van den Bussche et al., 2009), change our current mood ( Monahan et al., 2000), boost our motivation ( Aarts et al., 2008), and can even alter our political attitudes and voting intentions ( Hassin et al., 2007 Weinberger and Westen, 2008). ![]() Subliminal messages exert diverse influences on our thoughts and our behavior ( van Gaal et al., 2012 Hassin, 2013). This is unprecedented evidence of the longevity and impact of subliminal messages on conscious, rational decision-making. Subliminal influence did not significantly decay if probed after 25 versus 15 min. In experiment 2, subliminal presentation of vocabulary of a foreign language enabled participants to later decide whether these foreign words are presented with correct or incorrect translations. In experiment 1, subliminal face–occupation pairs affected conscious decisions about the income of these individuals almost half an hour later. Here, we hypothesized that subliminally presented stimulus pairs would be relationally processed influencing the direction of delayed conscious decisions. Relational binding engages the hippocampal memory system, which can rapidly encode and durably store novel relations. We speculated that subliminal messages might affect delayed decision-making especially if messages contain several pieces of novel information that must be relationally bound in long-term memory. ![]() These studies suggest that subliminal messages are only slowly stored and might not be stored at all if they provide novel, unfamiliar information. So far, subliminal long-term effects on behavior were only observed in studies which repeatedly presented highly familiar information such as single words. Subliminal manipulation is often considered harmless because its effects typically decay within a second. Tom Pendel, Tad, The Family Channel, 1995.Whitley, Tecumseh: The Last Warrior, TNT, 1995.Father, Gramps(also known as Lethal Intent), NBC, 1995.Bartender, The Birds II: Land's End, Showtime, 1994.Robert Stubbs, Justice in a Small Town(also known as HardEvidence and Ordinary Heroes: The Sandra Prine Story), NBC, 1994 ![]() Vrsac, Blind Vengeance, USA Network, 1990.Also appeared as Lucas in Chattahoochie.Captain Walters, The Art of the Bullet, Creative Light Worldwide,1999.Sheriff Billy Ray Barnwell, Morgan's Ferry, Artist View Entertainment, 1999.Parley Gentry, Songcatcher, Trimark, 1999.Klansman, Austin Powers II: The Spy Who Shagged Me, New Line Cinema, 1999. ![]() Niles, From Dusk Till Dawn 2: Texas Blood Money, Miramax, 1999 Benjamin Willis and fisherman, I Still Know What You Did Last Summer(also known as I Know What You Did Last Summer 2), Columbia, 1998.Captain, Shadrach, Tidewater Pictures, 1998.Daryl, If I Die before I Wake, Kushner-Locke International, 1998.Trenton Fraser, Acts of Betrayal(also known as True Blue),New City Releasing, 1997.Benjamin Willis and fisherman, I Know What You Did Last Summer, Columbia, 1997.Store clerk, Lolita, Samuel Goldwyn, 1997.Henry Andrews, Rosewood, Warner Bros., 1997.Ketcham, Assassins(also known as Day of Reckoning), WarnerBros., 1995.Hank Corrigan, Something To Talk About(also known as Grace under Pressure and The Power of Love), Warner Bros., 1995.Herman Zimmer, The Journey of August King, Miramax, 1995.First drifter, Sommersby, Warner Bros., 1993.Guardian, The Handmaid's Tale(also known as Die Geschichteder Dienerin), Image Entertainment, 1990.Police officer, Black Rainbow, Anchor Bay, 1990.Nationality American Gender Male Occupation Actor Birth Details July, 1948 Alexandria, Louisiana, United States Famous Works Publicist: Henry Penner, 3244 Rowena Ave., Suite 1, Los Angeles, CA90027. Manager: Dorothea Sargent and Co., 4737 Lankershim Blvd., Suite 208, North Hollywood, CA91602. Addresses: Agent: Greater Vision Artists, 9229 Sunset Blvd., Suite 320, Los Angeles, CA 90069. Awards, Honors: Grand Jury Award (with others), Sundance Film Festival, ensemble acting, 2000, for Songcatcher. Worked in purchasing at plants in Oak Ridge, TN worked as a driver for film production companies, later purchased trucks to lease to filmmakers. Berea College, Berea, KY, teacher of reading and writing in literacy outreach program Georgia State Penitentiary, acting teacher. Ragtime on the River (comedy troupe), Chattanooga, TN, founder, then producer and director of productions on river boats. Publicist- Henry Penner, 3244 Rowena Ave.,Suite 1, Los Angeles, CA 90027. Manager- Dorothea Sargent and Co., 4737 Lankershim Blvd., Suite 208, North Hollywood, CA 91602. Addresses: Agent- Greater Vision Artists, 9229 Sunset Blvd., Suite 320, Los Angeles, CA 90069. Education: Attended Louisiana Tech University and Berea College. ![]() Born in July, 1948, in Alexandria, LA married. |