Podcasts about UHM

Misschien wel dé foto van het jaar: in Rome spraken Zelensky en Trump een kwartier met elkaar over een mogelijk vredesbestand met Rusland. Kort daarna haalde Trump online fel uit naar Poetin, naar aanleiding van grootschalige drone-aanvallen op Kyiv. De Amerikaanse president vraagt zich nu openlijk af of Poetin überhaupt bereid is om de oorlog te beëindigen — een opvallende verandering van toon.Afgelopen week deden de V.S. een voorstel voor een staakt-het-vuren, waarop Europa en Oekraïne met een tegenvoorstel kwamen. Rusland kondigde op zijn beurt opnieuw een eenzijdig staakt-het-vuren af.Dat en meer bespreekt Jos de Groot met generaals buiten dienst Peter van Uhm en Mart de Kruif.Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

This podcast segment unpacks rising GSE repurchase risks and the cultural landmines facing major mortgage industry mergers.------------------------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training at Union Home MortgageShe handles development of their World Class Training program designed to support UHM partners and organizational effectiveness.Prior to UHM, Alice served as Senior Vice President at Indecomm leading the Indecomm-Mortgage U division, Internal QA and Compliance and SaaS technologies. Indecomm acquired Mortgage U in 2013, where Alice was President/Co-founder, providing training and consulting since 1996. Prior to MU she served as SVP of Operations at a national bank overseeing operations for wholesale, retail and correspondent from underwriting through servicing, and compliance.She has been in the trenches of mortgage lending operations from application through servicing for over 30 years. Her authoring work in training content, policies and procedures and the FHA/VA Practical guides illustrates her ability to bridge regulatory requirements with day-to-day operations.Alice has been a weekly contributor to the Lykken on Lending show since its beginning in April 2009 and has made her weekly contributions to 450+ episodes!

Donald Trump wil deze week een bestand tussen Oekraïne en Rusland en lijkt daarvoor bereid tot grote concessies. Ook Poetin beweegt, hij zou ermee akkoord zijn om de huidige frontlijn te bevriezen. Afgelopen week kwamen Oekraïense, Amerikaanse en Europese functionarissen bij elkaar, nadat de Verenigde Staten Europa en Oekraïne wekenlang buiten de onderhandelingen met Rusland hielden. Deze week het vervolg. En Nederland is gewaarschuwd. De MIVD schrijft in haar jaarverslag dat de Russische dreiging richting Europa de komende jaren zal toenemen, óók bij een bestand tussen Oekraïne en Rusland. Dat en meer bespreekt Jos de Groot met generaals buiten dienst Peter van Uhm en Mart de Kruif.Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

This podcast segment covers a recent federal court ruling against Texas Capital Bank over reverse mortgage tail securities has sparked concerns about systemic risk to warehouse lending and Ginnie Mae's role in protecting lender interests.------------------------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training at Union Home MortgageShe handles development of their World Class Training program designed to support UHM partners and organizational effectiveness.Prior to UHM, Alice served as Senior Vice President at Indecomm leading the Indecomm-Mortgage U division, Internal QA and Compliance and SaaS technologies. Indecomm acquired Mortgage U in 2013, where Alice was President/Co-founder, providing training and consulting since 1996. Prior to MU she served as SVP of Operations at a national bank overseeing operations for wholesale, retail and correspondent from underwriting through servicing, and compliance.She has been in the trenches of mortgage lending operations from application through servicing for over 30 years. Her authoring work in training content, policies and procedures and the FHA/VA Practical guides illustrates her ability to bridge regulatory requirements with day-to-day operations.Alice has been a weekly contributor to the Lykken on Lending show since its beginning in April 2009 and has made her weekly contributions to 450+ episodes!

Een bombardement op de Oekraïense stad Soemy met grote gevolgen, maar volgens de Amerikaanse president Donald Trump was het een vergissing van de Russen. Op de grond is Rusland aan een voorjaarsoffensief begonnen, zegt de Oekraïense legerbaas Syrsky.Onze eigen krijgsmacht moet zo snel mogelijk paraat staan voor een eventuele inzet. Dat heeft Commandant der Strijdkrachten Onno Eichelsheim gemeld via een zogenoemde dagorder. Het is, aldus onze hoogste militair, tijd voor ‘een volgende versnelling.'Dat en meer bespreekt Jos de Groot met generaals buiten dienst Peter van Uhm en Mart de Kruif.Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

This podcast segment covers a recent federal court ruling against Texas Capital Bank over reverse mortgage tail securities has sparked concerns about systemic risk to warehouse lending and Ginnie Mae's role in protecting lender interests.------------------------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training at Union Home MortgageShe handles development of their World Class Training program designed to support UHM partners and organizational effectiveness.Prior to UHM, Alice served as Senior Vice President at Indecomm leading the Indecomm-Mortgage U division, Internal QA and Compliance and SaaS technologies. Indecomm acquired Mortgage U in 2013, where Alice was President/Co-founder, providing training and consulting since 1996. Prior to MU she served as SVP of Operations at a national bank overseeing operations for wholesale, retail and correspondent from underwriting through servicing, and compliance.She has been in the trenches of mortgage lending operations from application through servicing for over 30 years. Her authoring work in training content, policies and procedures and the FHA/VA Practical guides illustrates her ability to bridge regulatory requirements with day-to-day operations.Alice has been a weekly contributor to the Lykken on Lending show since its beginning in April 2009 and has made her weekly contributions to 450+ episodes!

Wednesday was the rare reprieve from Wall Street hemorrhaging so naturally President Donald Trump felt the need to take a victory lap. Thank goodness Trump saved us from Trump when he put the pause on most tariffs, after realizing people were "getting yippy." So what's wild about all the suffering Americans and their 401(k) accounts are enduring is, it may all come down to Trump leaning on advisor Peter Navarro's belief in tariffs. Okay, no, what's really wild about that is that Navarro was a Jared Kushner "find" from writing books on trade policy while citing an expert named 'Ron Vara.'Ron Vara doesn't exist. The name itself is just an anagram using the letters from "Navarro."Oh, and while he was out celebrating his one day blip in the green, it's important to point out the damage done the days before wont' be simpy undone anytime soon - if ever. Because we're enduring (still!) the first '100 days' of another Trump presidency, there's naturally going to be discussion of Donald and those in his orbit profiting off of a situation. Such is the case as Trump himself took to Truth Social to implore his followers to snap up stocks hours before he paused his tariff rollout. Or when Marjorie Taylor Greene (R-Ga) "bought the dip" and snapped up some plum stocks at a timely moment. As he's good at doing, Jay Bookman brought the damage closer to home in his latest op-ed explaining how the tariff uncertainties will be felt in Georgia. ------Uhm, an unknown number of international student visas are being revoked at Georgia schools and apparently in South Carolina, too. Oh, at Purdue University, now, too.

Zelensky bevestigt dat Oekraïne actief is in de Russische regio Belgorod, in de week waarin Rusland zijn geboortestad bombardeerde. Ondertussen is het nog altijd wachten op Rusland, dat tot dusver geen aanstalten maakt om serieus over vrede te praten.Netanyahu reisde met een omweg naar zijn vriend Trump in de Verenigde Staten, terwijl hulporganisaties in Nederland meer actie van het Nederlandse kabinet eisen tegen Israël. Vorige maand nam Israël een konvooi hulpverleners in ambulances onder vuur en begroef de lichamen in het zand - nu blijkt dat Israël loog over de aanleiding daartoe.Dat en meer bespreekt Jos de Groot met generaals buiten dienst Peter van Uhm en Mart de Kruif.Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

This podcast segment covers the Senate's pushback on the CFPB's overdraft rule, ongoing leadership changes at the Bureau, and renewed efforts to regulate trigger leads at the state level amid broader industry uncertainty.------------------------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training at Union Home MortgageShe handles development of their World Class Training program designed to support UHM partners and organizational effectiveness.Prior to UHM, Alice served as Senior Vice President at Indecomm leading the Indecomm-Mortgage U division, Internal QA and Compliance and SaaS technologies. Indecomm acquired Mortgage U in 2013, where Alice was President/Co-founder, providing training and consulting since 1996. Prior to MU she served as SVP of Operations at a national bank overseeing operations for wholesale, retail and correspondent from underwriting through servicing, and compliance.She has been in the trenches of mortgage lending operations from application through servicing for over 30 years. Her authoring work in training content, policies and procedures and the FHA/VA Practical guides illustrates her ability to bridge regulatory requirements with day-to-day operations.Alice has been a weekly contributor to the Lykken on Lending show since its beginning in April 2009 and has made her weekly contributions to 450+ episodes!

Rusland bereidt nieuwe aanvallen voor in verschillende Oekraïense regio's en dat lijkt een lenteoffensief te worden, zegt Zelensky.De Oekraïense luchtverdediging - die draait overuren. F-16 piloten proberen de Russische barrages af te weren en vallen ook aan, want met de westerse vliegtuigen voert Oekraïne nu ook grondaanvallen uit. Ook Nederland leverde F-16's, maar hoe worden deze toestellen nou precies ingezet? Hoe staat het eigenlijk met onze eigen luchtmacht en heeft de F-35 nou een ‘'Kill Switch'' of niet? Jos de Groot bespreekt het met met commodore en vlieger buiten dienst Frans Osinga en generaals buiten dienst Peter van Uhm en Mart de Kruif.Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

Final: HPU 8, UHM 10

This podcast segment covers the CFPB proposing two changes to the Fair Credit Reporting Act: one to regulate data brokers by requiring consumer consent for data use, and another to classify coerced debt under identity theft protections.------------------------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training at Union Home MortgageShe handles development of their World Class Training program designed to support UHM partners and organizational effectiveness.Prior to UHM, Alice served as Senior Vice President at Indecomm leading the Indecomm-Mortgage U division, Internal QA and Compliance and SaaS technologies. Indecomm acquired Mortgage U in 2013, where Alice was President/Co-founder, providing training and consulting since 1996. Prior to MU she served as SVP of Operations at a national bank overseeing operations for wholesale, retail and correspondent from underwriting through servicing, and compliance.She has been in the trenches of mortgage lending operations from application through servicing for over 30 years. Her authoring work in training content, policies and procedures and the FHA/VA Practical guides illustrates her ability to bridge regulatory requirements with day-to-day operations.Alice has been a weekly contributor to the Lykken on Lending show since its beginning in April 2009 and has made her weekly contributions to 450+ episodes!

De Amerikaanse minister van Defensie deelde oorlogsplannen in een groepsapp - en een journalist las de hele tijd mee. Oekraïne en Rusland hebben bijna een staakt-het-vuren op de Zwarte Zee. De Russen zeggen akkoord te gaan als een paar westerse sancties tegen hen worden opgeheven. Europa - dat moet in 2030 een geloofwaardige defensiemacht zijn. De Nederlandse krijgsmacht wil daarom het aantal militairen verhogen naar 200.000 en begint aan de misschien wel grootste reorganisatie sinds het opschorten van de opkomstplicht en de omslag van dienstplicht naar een beroepsleger. Gaat dit lukken? En waar moeten al die soldaten vandaan komen?Dat en meer bespreekt Jos de Groot met generaals buiten dienst Peter van Uhm en Mart de Kruif.Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

This podcast segment discussion examines the future of Fannie Mae and Freddie Mac amid ongoing conservatorship debates, the financial and political barriers to privatization, and the potential impact of converting commercial properties into residential housing as a response to market shifts and urban vacancies.----------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training at Union Home MortgageShe handles development of their World Class Training program designed to support UHM partners and organizational effectiveness.Prior to UHM, Alice served as Senior Vice President at Indecomm leading the Indecomm-Mortgage U division, Internal QA and Compliance and SaaS technologies. Indecomm acquired Mortgage U in 2013, where Alice was President/Co-founder, providing training and consulting since 1996. Prior to MU she served as SVP of Operations at a national bank overseeing operations for wholesale, retail and correspondent from underwriting through servicing, and compliance.She has been in the trenches of mortgage lending operations from application through servicing for over 30 years. Her authoring work in training content, policies and procedures and the FHA/VA Practical guides illustrates her ability to bridge regulatory requirements with day-to-day operations.Alice has been a weekly contributor to the Lykken on Lending show since its beginning in April 2009 and has made her weekly contributions to 450+ episodes!

Rusland en Oekraïne staken voor dertig dagen de aanvallen op elkaars energiesector en infrastructuur. Dat is de uitkomst van het langverwachte telefoongesprek tussen Trump en Poetin. En dat terwijl Rusland in de regio Kursk in hoog tempo terrein terugwint. Europese leiders denken ondertussen na over de herbewapening van ons continent - die moet over 5 jaar voltooid zijn, zegt commissievoorzitter Von der Leyen. Israël schond het staakt-het-vuren met een zwaar bombardement op Gaza dat honderden mensen het leven kostte. Was Netanyahu ooit van plan zijn troepen terug te trekken? Dat en meer bespreekt Jos de Groot met generaals buiten dienst Peter van Uhm en Mart de Kruif.Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

This podcast segment covers as Congress considers slashing CFPB funding to zero, mortgage industry experts discuss the potential compliance chaos, the shift toward state oversight, and the broader implications for lenders navigating evolving regulations.----------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training at Union Home MortgageShe handles development of their World Class Training program designed to support UHM partners and organizational effectiveness.Prior to UHM, Alice served as Senior Vice President at Indecomm leading the Indecomm-Mortgage U division, Internal QA and Compliance and SaaS technologies. Indecomm acquired Mortgage U in 2013, where Alice was President/Co-founder, providing training and consulting since 1996. Prior to MU she served as SVP of Operations at a national bank overseeing operations for wholesale, retail and correspondent from underwriting through servicing, and compliance.She has been in the trenches of mortgage lending operations from application through servicing for over 30 years. Her authoring work in training content, policies and procedures and the FHA/VA Practical guides illustrates her ability to bridge regulatory requirements with day-to-day operations.Alice has been a weekly contributor to the Lykken on Lending show since its beginning in April 2009 and has made her weekly contributions to 450+ episodes!

Zo zetten de Verenigde Staten hun militaire steun aan Oekraïne stop, en zo wordt die ook weer hervat. En niet alleen dat: de VS en Oekraïne zouden het eens zijn over een wapenstilstand en leggen de bal bij de Russen. En nu ons bondgenootschap met de Amerikanen wankelt, dringt zich een cruciale vraag op die we vandaag in Veldheren proberen te beantwoorden: kan Europa zichzelf verdedigen zonder hulp van Amerika?Daar hebben we hulptroepen voor ingeschakeld: generaal buiten dienst Ton van Loon is te gast.Jos de Groot bespreekt het zoals altijd met generaals buiten dienst Peter van Uhm en Mart de Kruif.Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

Paul Biegel zou dit jaar 100 (!) zijn geworden, en dat vieren we met dit speciale luisterboek. En wij van WC-eend, ehh… Studio Popcorn mochten 'm maken. Sophie (8) had de primeur! Ze mocht als allereerste luisteren naar het verrijkte luisterboek van De gouden gitaar. En dat vond ze heel bijzonder: “Uhm, ik hoorde echt een miauw van de kat Lauw. En ook oehoe, oehoe van De Boze Uil Braat. En ik hoorde allemaal pannen en borden kapotvallen!” Dit luisterboek zit bomvol gitaarmuziek en échte geluiden. Dat was voor Sophie soms wel verwarrend: “Ik keek echt eventjes naar het raam, want ik dacht dat het regen van buiten was!” WINACTIE! Luister de aflevering om te horen hoe je het luisterboek kan winnen. LESBRIEF! Gratis bij elke aflevering: www.dewaanzinnigepodcast.nl/luisteren NIEUWSBRIEF! Blijf op de hoogte van alle activiteiten dit jaar: schrijf je in voor de nieuwsbrief: www.dewaanzinnigepodcast.nl/nieuwsbrief Luisterboek: Studio Popcorn In opdracht van: Uitgeverij Gottmer Stem: Gijs Scholten - Van Aschat Compositie: Sebastiaan Bax Gitaar: Twan Bracco Gartner Regie en sounddesign: Marije Ravelli Eindmix: Arno Peeters -- De Waanzinnige Podcast is een productie van Studio Popcorn Podcastmaker: Marije Ravelli Eindredactie: Renate de Gier Eindmix: Arno Peeters www.dewaanzinnigepodcast.nl/degoudengitaar www.studiopopcorn.nl

This podcast segment covers key developments, including the passage of HR695 for Medal of Honor recipients, proposed SBA loan restrictions, ongoing budget negotiations, and the broader economic concerns surrounding rising debt and government spending.----------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training at Union Home MortgageShe handles development of their World Class Training program designed to support UHM partners and organizational effectiveness.Prior to UHM, Alice served as Senior Vice President at Indecomm leading the Indecomm-Mortgage U division, Internal QA and Compliance and SaaS technologies. Indecomm acquired Mortgage U in 2013, where Alice was President/Co-founder, providing training and consulting since 1996. Prior to MU she served as SVP of Operations at a national bank overseeing operations for wholesale, retail and correspondent from underwriting through servicing, and compliance.She has been in the trenches of mortgage lending operations from application through servicing for over 30 years. Her authoring work in training content, policies and procedures and the FHA/VA Practical guides illustrates her ability to bridge regulatory requirements with day-to-day operations.Alice has been a weekly contributor to the Lykken on Lending show since its beginning in April 2009 and has made her weekly contributions to 450+ episodes!

04 Mar 2025. Wissam Breidy, CEO of HRE Development, joins us to talk real estate with a purpose. Plus, CEO Dino Varkey told Reuters that the UK is a key source market for the UAE, after Britain put 20% tax on private school fees. And energy demand in Dubai climbed 5% last year, according to DEWA. We get the thoughts of economist Daniel Richards on his estimate/assumption for UAE population growth last year and in 2025.See omnystudio.com/listener for privacy information.

Een nieuw, treurig jubileum: drie jaar oorlog in Oekraïne. Geen reden voor Donald Trump om zijn toon te matigen: hij noemde Zelensky, de gekozen president van een belaagd land, een dictator. Diezelfde Zelensky snakt naar vrijheid en veiligheid, en wil zijn presidentschap best opgeven in ruil voor NAVO-lidmaatschap voor Oekraïne. Wat zijn de geleerde lessen na drie jaar oorlog op ons continent? En hoe staat onze eigen krijgsmacht ervoor? Dat en meer bespreekt Jos de Groot met generaals buiten dienst Peter van Uhm en Mart de Kruif.Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

David Waldman counts down the days until our national apocalypse, yet with so many tied down the backstretch, this race is a tough call! For supposed “auditors”, nothing about DOGE adds up. Monday, Elon gave federal workers until three to… Uhm, today Elon gave federal workers until three to… Tomorrow, Elon will give federal workers until three to… Trump could barely get a semi-fired up today, as his EO has ED. Musk was able to cut 20 DOGE staff today who couldn't look themselves in the mirror anymore. Meanwhile, “fired” staffers keep finding themselves “unfired”. Those who did send in responses will have the answers fed into AI and anyone determined to be funnier than Musk will be dismissed immediately… (Those people would also be expected to be more liberal, naturally.) DOGE's dealings are illegal and even unconstitutional, but now the challenge is determining who is DOGE's head douche. Trump is so opposed to leaving a paper trail that he skips on chances to cover his own ass. DOGE was designed to attack liberals, but it terrifies the ever-loving crap out of Democrats, which was “Job One” for Donald K. Trump. Donald can now leave the Lib cleanup operation to Don Bongino and Don Jr.'s “hunting buddy” who will instruct the FDA to move infant formula by the kilo from this point on. With the US out of the way it is now time to Make Axis Great Again for our new conquest over our old allies. With such colossal corruption, who's to notice the little stuff, like a Florida congressman assaulting women at night along the Wharf? At least that's what the U.S. Attorney's Office thought when they tossed his warrant into the trash.

This podcast segment covers Fannie Mae and Freddie Mac's latest memos, highlighting appraisal improvements, the growing importance of asset validation for underwriting, and the need for strong business continuity and information security policies.----------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training at Union Home MortgageShe handles development of their World Class Training program designed to support UHM partners and organizational effectiveness.Prior to UHM, Alice served as Senior Vice President at Indecomm leading the Indecomm-Mortgage U division, Internal QA and Compliance and SaaS technologies. Indecomm acquired Mortgage U in 2013, where Alice was President/Co-founder, providing training and consulting since 1996. Prior to MU she served as SVP of Operations at a national bank overseeing operations for wholesale, retail and correspondent from underwriting through servicing, and compliance.She has been in the trenches of mortgage lending operations from application through servicing for over 30 years. Her authoring work in training content, policies and procedures and the FHA/VA Practical guides illustrates her ability to bridge regulatory requirements with day-to-day operations.Alice has been a weekly contributor to the Lykken on Lending show since its beginning in April 2009 and has made her weekly contributions to 450+ episodes!

Uhm...that's not my baby. Hour 3 2/19/2025 full 2149 Wed, 19 Feb 2025 22:00:00 +0000 rei2Zf0SJqRZVxQn2NyfHn0bXUwhQLnm news The Dana & Parks Podcast news Uhm...that's not my baby. Hour 3 2/19/2025 You wanted it... Now here it is! Listen to each hour of the Dana & Parks Show whenever and wherever you want! 2024 © 2021 Audacy, Inc. News False https://player.amperwavepodcasting.com?feed-link=h

Op de grond in Oekraïne gaat het nog elke dag hard tegen hard: afgelopen zaterdag was volgens de Oekraïeners de zwaarste dag van 2025.En dat te midden van een geopolitiek schaakspel dat zijn weerga niet kent. Nu al zegt Amerika dat Oekraïne geen lid zal worden van de NAVO, en het verdere lot van Oekraïne bespreken Trump en de zijnen met de Russen - Europa zit niet aan tafel.Dat en meer bespreekt Jos de Groot met generaals buiten dienst Peter van Uhm en Mart de Kruif.Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

This episode unpacks the CFPB's $700 million budget debate, HUD's push for efficiency, and the broader impact of government oversight on housing policy and lending programs.----------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training at Union Home MortgageShe handles development of their World Class Training program designed to support UHM partners and organizational effectiveness.Prior to UHM, Alice served as Senior Vice President at Indecomm leading the Indecomm-Mortgage U division, Internal QA and Compliance and SaaS technologies. Indecomm acquired Mortgage U in 2013, where Alice was President/Co-founder, providing training and consulting since 1996. Prior to MU she served as SVP of Operations at a national bank overseeing operations for wholesale, retail and correspondent from underwriting through servicing, and compliance.She has been in the trenches of mortgage lending operations from application through servicing for over 30 years. Her authoring work in training content, policies and procedures and the FHA/VA Practical guides illustrates her ability to bridge regulatory requirements with day-to-day operations.Alice has been a weekly contributor to the Lykken on Lending show since its beginning in April 2009 and has made her weekly contributions to 450+ episodes!

Oekraïne is een nieuwe aanval begonnen in de Russische regio Koersk, zegt Zelensky. Maar daar stuit het Oekraïense leger wel weer op meer verzet, want de Noord-Koreaanse soldaten zijn terug op het slagveld. Trump zegt dat hij al met Putin heeft gesproken over de oorlog. Deze week is Zelensky aan de beurt. Maar volgens experts wil Putin nog helemaal niet over vrede praten. En in het Midden-Oosten lopen de spanningen weer op: waar Israël het bestand schendt, dreigt Hamas deze week geen krijgsgevangenen vrij te laten. Dat en meer bespreekt Jos de Groot met generaals buiten dienst Peter van Uhm en Mart de Kruif.Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

This week's Legislative Update covers key government nominations, the CFPB leadership shake-up, and potential housing policy changes that could impact the mortgage industry.----------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training at Union Home MortgageShe handles development of their World Class Training program designed to support UHM partners and organizational effectiveness.Prior to UHM, Alice served as Senior Vice President at Indecomm leading the Indecomm-Mortgage U division, Internal QA and Compliance and SaaS technologies. Indecomm acquired Mortgage U in 2013, where Alice was President/Co-founder, providing training and consulting since 1996. Prior to MU she served as SVP of Operations at a national bank overseeing operations for wholesale, retail and correspondent from underwriting through servicing, and compliance.She has been in the trenches of mortgage lending operations from application through servicing for over 30 years. Her authoring work in training content, policies and procedures and the FHA/VA Practical guides illustrates her ability to bridge regulatory requirements with day-to-day operations.Alice has been a weekly contributor to the Lykken on Lending show since its beginning in April 2009 and has made her weekly contributions to 450+ episodes!

Een kleine overwinning voor Oekraïne: Noord-Koreaanse soldaten hebben zich teruggetrokken uit Kursk na grote verliezen daar. Zelensky laat wel weten dat hij bereid is tot vredesonderhandelingen met Poetin. Ondertussen meldt de VN dat het aantal Oekraïense soldaten dat wordt geëxecuteerd door Rusland zorgwekkend is gestegen.In Brussel was er deze week een EU-top en die ging eigenlijk maar over één ding: defensie. Bereidt Europa zich voor op oorlog? En president Donald Trump? Die wil de Gazastrook overnemen.Dat en meer bespreekt Jos de Groot met generaals buiten dienst Peter van Uhm en Mart de Kruif.Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

This segment discusses recent legislative updates, including the CFPB's non-bank reporting rule, potential FHA MIP reductions, and the ongoing housing affordability crisis, highlighting modular home manufacturing as a possible solution to supply shortages.----------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training at Union Home MortgageShe handles development of their World Class Training program designed to support UHM partners and organizational effectiveness.Prior to UHM, Alice served as Senior Vice President at Indecomm leading the Indecomm-Mortgage U division, Internal QA and Compliance and SaaS technologies. Indecomm acquired Mortgage U in 2013, where Alice was President/Co-founder, providing training and consulting since 1996. Prior to MU she served as SVP of Operations at a national bank overseeing operations for wholesale, retail and correspondent from underwriting through servicing, and compliance.She has been in the trenches of mortgage lending operations from application through servicing for over 30 years. Her authoring work in training content, policies and procedures and the FHA/VA Practical guides illustrates her ability to bridge regulatory requirements with day-to-day operations.Alice has been a weekly contributor to the Lykken on Lending show since its beginning in April 2009 and has made her weekly contributions to 450+ episodes!

Ook deze week verliest Oekraïne terrein. Dat zou onder meer komen - zegt een Oekraïense commandant - door gebrekkige training die soldaten zouden krijgen in het westen.Trump verhoogt de druk op Poetin om de oorlog te beëindigen. Maar hij verhoogt ook de druk op Denemarken, want hij wil Groenland - reden voor Denemarken om haar militaire aanwezigheid in het Noordpoolgebied te verhogen.En deze week kwam het rapport van de Commissie-Sorgdrager, waaruit blijkt dat een gebrek aan inlichtingen leidde tot veel burgerslachtoffers bij een luchtaanval op een bommenfabriek in de Iraakse stad Hawija.Dat en meer bespreekt Jos de Groot met generaals buiten dienst Peter van Uhm en Mart de Kruif.Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

Trump is officieel de nieuwe president van de Verenigde Staten. Poetin liet meteen weten dat hij wil praten over Oekraïne en nucleaire wapens. Wat kunnen we van toekomstige onderhandelingen verwachten en hoe onderhandel je eigenlijk? Daar gaan we vandaag dieper op in - al lijken die onderhandelingen op slagveld in Oekraïne nog ver weg.In het Midden-Oosten resulteerden onderhandelingen inmiddels al wel uit in een akkoord. Na 15 maanden strijd en leed werden Hamas en Israël het eens over een staakt-het-vuren.Dat en meer bespreekt Jos de Groot met generaals buiten dienst Peter van Uhm en Mart de Kruif.Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

Oekraïne verdedigt nog altijd met man en macht de frontlinie en het weet zo nu en dan toch ook nog een tik uit te delen. Deze week voerde het een massale droneaanval uit diep in Rusland. En door nieuwe Oekraïense acties blijft Kursk een hoofdpijndossier voor de Russen.Over minder dan een week is Donald Trump weer president van de Verenigde Staten, maar zijn belofte om de oorlog in Oekraïne binnen 24 uur te stoppen, lijkt hij nu al te verbreken.Dat en meer bespreekt Jos de Groot met generaals buiten dienst Peter van Uhm en Mart de Kruif.Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

Een nieuw jaar, waarin oorlog – vooralsnog - voort woedt. En hoe: de Oekraiëners intensiveren hun aanvalskracht in Kursk, maar de omsingeling van Pokrovsk door de Russen lijkt ook dichterbij te komen. Ondertussen lopen de politieke hoofdrolspelers zich warm voor de naderende onderhandelingen.Ook in het Midden-Oosten een voortzetting van geweld: Israël bombardeerde een ziekenhuis in Gaza. Maar toch zou er ook een deal met Hamas aan zitten te komen.Dat en meer bespreekt Jos de Groot met generaals buiten dienst Peter van Uhm en Mart de Kruif.Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

The Ball Drops For SindyBy Baztrachian.  (edited) Listen to the Podcast at Steamy Stories. She makes room for him over the holidays.In her freshman year at Northwestern Sindy had started working at a local coffee shop where she met Ryan. Ryan was five years older than Sindy, on the verge of graduating and merely looking at him made Sindy's pulse race faster. Ryan for his part was initially unaware of Sindy's interest in him. But over the course of the year he'd come to the coffee shop to study and he gradually started to notice the cute girl with the blonde hair always staring at him. He found himself appreciating the graceful curve of her modest breasts and her almost ever-present smile.It was a few days before the end of September when Ryan asked Sindy if she'd like to go out for a date sometime. Naturally she said yes. Sindy's parents were not wealthy but they were well off and when Sindy went to college they made sure she had her own apartment. It was just a one bedroom affair with another room that was her kitchen, dining room, and living room all in one. Where Ryan shared his cramped dormer with two other young men that meant that his dates with Sindy frequently took place at her apartment. Despite the circumstance their relationship was rather chaste. Sindy was always careful to make sure that things never got out of hand and that often left Ryan feeling frustrated. Still, he loved the girl and felt she was worth waiting for. But at the same time he longed to feel her bare skin against his own. Sindy of course had similar feelings for Ryan but she was constrained by her conservative spiritual upbringing and her parent's expectation that she wait until marriage before getting physical with a young man. Fate stepped in and late in the week before Christmas break one of Ryan's roommates had left an electric hot plate unattended in close proximity to their pathetic little Christmas tree. Fortunately the ensuing fire took place during the day when almost all of the dorm residents were off at class. The remaining few who were in the dorm at the time safely made it out when the fire alarms went off. Unfortunately the dorm was an old wooden structure and by the time the fire department arrived the building was a total loss. The fire department had no pretensions about saving the building and instead focused their efforts on preventing damage to other nearby dorms. That afternoon Ryan got word that he was now out of a home and that what few clothes he owned had been consumed in the conflagration. The only spare clothes he still had were in his gym locker and these were suddenly much more important than they had been the day before. Ryan texted Sindy and let her know about the fire. It turned out that Sindy had heard about the fire and she was of course pleased that Ryan was safe. But he had nowhere to live for the moment. The two of them agreed to meet for coffee to discuss the matter. With the Christmas break only a day away Sindy asked Ryan if he could handle sleeping on her futon couch while she was away at home. The futon couch was one of those that went from being a couch into being a bed in moments. Naturally Ryan agreed to her terms that he keep his distance while living with Sindy and with only the things in his backpack he went home with Sindy. That evening the two young people went out to gather a few sundries for Ryan to replace the things he lost. Sindy found it to be an intimate experience to shop for toiletries for her boyfriend and she also found herself desiring a more domestic lifestyle. Fantasies of marriage danced around her mind on the walk back to her apartment and she allowed herself a satisfied smile as she realized that it was now ‘their' apartment. The two of them stayed up later than usual due to the circumstance. They shared a late take out dinner and then got the couch set up as a bed for Ryan. Sindy excused herself to get ready for bed and Ryan listened as she did her evening grooming in the bathroom. He didn't see her when she went into her bedroom and closed the door. His turn in the bathroom followed and then for lack of anything else to wear he just shucked his clothes and put on a clean pair of sweat pants for the night. Sitting on his improvised bed Ryan caught his breath when Sindy returned to the room. She was wearing a simple silk nightshirt that buttoned down the front, her legs were temptingly bare, and the silk fabric readily betrayed the fact that Sindy's breasts were tantalizingly unconstrained by a bra. For her part Sindy felt flushed when she saw Ryan. It was the first time she'd seen him bare above the waist and he was everything she'd hoped for. He was well toned but not overly detailed like the narcissists she'd see in the weight rooms for hours on end. His chest had a proper tuft of hair unlike the fey boys who'd shave themselves hairless. And her eyes could not help but drift down to where she saw his sweat pants notably tented. Being a relatively cloistered girl Sindy was naïve to Ryan's erection and she merely thought it impressive. Still, the sight of her boyfriend half naked flustered the girl and she said a quick good night before retreating to the safety of her bedroom. It ended up being more than an hour before either of the two of them slipped into a slumber. The following morning saw Ryan waking up early. He started a pot of coffee and then took a shower. As he was washing himself he felt his morning hard-on and decided to do something about it. His fist wrapped around the hard cock and started working it. Trying to choke back his moans Ryan quickly spewed four strong streams of cum into the steaming water. When he came out to the main room Sindy was already there, sipping her cup of coffee. The two young people were quite awkward as they tried to make conversation and it was the welcome fact of an early train for Sindy that put an end to the moment. A chaste kiss was exchanged and then Sindy ran off to catch her train. Ryan watched her from the window as she ran down the street and when she turned the corner he saw her look back and wave. He smiled and waved at her as she walked out of sight. Arriving at home Sindy somehow managed to get through the holiday without letting her parents know about Ryan or how he was currently living in her apartment. Images of Ryan's bare chest replayed in her mind all through Christmas. At the church Christmas Eve service she found herself thinking about the birth of Jesus and how maybe someday she'd have a baby of her own. Her mind drifted back to Ryan and she snorted back a small giggle as she realized she didn't want to have an immaculate conception. Christmas came the next day and Sindy managed to slip away from her family long enough to call Ryan and wish him a Merry Christmas. The sound of his soothing voice was music to her ears and she found herself eager to get back to Evanston. Her parents were actually impressed when Sindy told them she wanted to get back to school early. Her logical reason was that she wanted to be safe back at her apartment on New Year's Eve instead of trying to travel with so many other people on New Year's Day. That particular year New Year's Day fell on a Sunday and that made the following day a work day. Even the news media predicted chaos for travel that day what with a massive snowstorm on the way for New Year's Day. It was just before lunch time when Sindy got back to the apartment. Ryan was out somewhere but she knew he'd be back because he was expecting her home. Sure enough she had just doffed her jacket and hat when Ryan came in the door. He set down a bag of groceries and the two of them shared a passionate kiss. Sindy didn't care that Ryan's hand cupped one of her boobs as they kissed. No, she realized she liked it. They broke their kiss and laughed that they were so much more passionate with each other. Sindy for her part was glad that Ryan hadn't gone any further because she didn't trust herself after having such lustful thoughts recently, for him. The two of them chatted and caught up with each other as they put away the groceries. Ryan had splurged and bought the makings for Sindy's favorite cocktail which was a Mai Tai. Sindy didn't care for champagne because it gave her headaches, so Ryan had thoughtfully planned on the Mai Tai to toast in the new year. It was just after nine when the expected snow started to fall. It wasn't long after that when Ryan poured a fifth of white rum into a pitcher and then added pineapple juice, sweetened lime juice, grenadine, and a generous amount of dark rum to round off the drink. Now Ryan could drink pretty hard, like most senior college men; but to be fair to him he wasn't planning on drinking the whole pitcher of Mai Tai that one night. The thing was that he only knew the recipe one way and that was how he made it. He expected the pitcher of the cocktail would be sipped on for a few days. At eleven the two young people sat in front of their TV and watched as the new year was welcomed in New York City. They toasted each other and Sindy finished her second Mai Tai of the evening. When she set down her glass she excused herself to get ready for bed and suggested that Ryan do the same thing. In her bedroom she pulled off her winter travel outfit of blue jeans and a flannel shirt and put on her favorite silk nightshirt. As was her habit, she dispensed with her bra for the night and felt a bit of relief as her size C globes were freed from their modest restraints. It was then that Sindy noticed her panties were moist. She sighed with irritation because this was typical around the second week after her period, each month. She didn't like that her panties would get wet with the same clear stringy fluid every ovulation. Taking off her panties she tossed them in her dirty laundry basket and grabbed a tissue to clean herself. When she was finished, she tossed the tissue in her waste basket and then opened a drawer to find a fresh pair of panties. The first pair she found were her favorite linen panties she'd bought for herself at Nordstrom. She held them in her hand and shook her head at the thought of ruining them with all the ‘snot' coming out of her pussy. “Maybe he won't notice”, she said to herself. Looking in the mirror to make sure her nightshirt covered her down to just above her knees she decided it would be okay to go without panties for the next hour. She absently nodded her head as if to approve this decision. Returning to the living room she found Ryan bare chested as usual and wearing only his sweat pants. He'd converted the futon to a bed while she was busy and was under the blankets on his makeshift bed when she returned. He invited her to join him and share his warmth. She didn't hesitate and she also didn't hesitate to help herself to the Mai Tai glass that had been refilled while she'd been changing. Ryan somehow managed to behave himself as a nearly naked Sindy sat next to him. He'd seen her profile as she walked into the room and he instantly noticed the lack of panty lines under her silk nightshirt. He felt his balls roll with anticipation when the girl got under the blankets with him. He also did his best to convince his cock to settle down as he wrapped his arm around her; both of them watching the TV which was on her side of the futon. The hour went by and soon enough there was a countdown and then the TV showed the fireworks at the Navy Pier in Chicago as the new year arrived. Ryan pulled Sindy over close and kissed her to celebrate their first new year's celebration together. The two of them were warm and tense when Sindy broke their kiss to suggest they toast the new year. Sindy's glass was empty again so Ryan got up and refilled it from the pitcher on the kitchenette counter. Returning to her, he saw her sitting up, her bare feet on the carpet and then saw the silly smile on her face. She was sitting on the edge of the futon and he thought she might be thinking about going to her bedroom. He realized she wasn't drunk but she wasn't far from it. He put the two glasses down on a side table and then knelt down on the carpet in front of Sindy. Leaning into her as she sat on the bed he gently kissed her. Her arms came up around him as she kissed him back. A few minutes went by as the two of them kissed and explored each other's bodies. The music from the celebration on TV created a very romantic tone for the moment. Sindy didn't notice when Ryan deftly undid the buttons on her nightshirt. Her whole universe at that moment was consumed with the sensations of kissing, being kissed, and feeling the strong bare shoulders of her man. She also didn't notice as Ryan gently parted her knees with his hips. “Oh.” Ryan heard her say as she felt him suckle on one of her nipples. She kissed the top of his head and her hands went to his waist as she felt him grinding himself into her crotch. Remembering that she wasn't protected by the flimsy fabric of her panties her hands went further down his waist to find the reassuring presence of Ryan's sweat pants right where they should be. Ryan pulled away from her for a moment and shut off the TV. They were now in darkness save for the light that came in from the street outside. It was also unusually quiet what with the sounds of the city muffled by an ever intensifying snow storm. In the darkness she saw him stand up and when he took her hand she obliged and stood up as well. She complied when he eased her nightshirt off of her shoulders even though she wasn't truly cognizant of the situation. The presence of his sweat pants made her feel that it was okay if one of them was naked. He guided her back to the bedroom, helped her into bed, and pulled the warm blankets over her. Then he went to the other side of the bed and climbed in. Her brief exposure to the cold air of the apartment made her welcome the warmth when Ryan moved partly on to her and kissed her again. She felt his hand explore her body and she didn't complain. His big warm hand moved around feeling her neck, her breasts, her waist, her hips, and then he slowly moved it to her pussy. She tensed when he first touched her down there but then relaxed as he gently explored and then found her button. Sindy was overwhelmed with sensation and alcohol as Ryan ministered to her needs. Ryan was no virgin nor was he a philanderer. He'd had just one girlfriend in high school and after three years of experience he knew his way around the female body. Sindy responded to his touch just like his old girlfriend used to. Her legs relaxed as he rubbed and teased her button and after some time he chanced to let a finger explore her cleft. “Omigawd” he heard as his finger easily slipped into Sindy's body. She was so wet for him. She was ready. He moved himself over on top of her and gently parted her legs. The soft underside of his cock brushed against the fine blonde hair of her pubes as the two of them adjusted to their new position. Sindy didn't give it any thought when she had to spread her legs for Ryan's legs above her. It was just the natural thing to do and she loved how his body was now pressing her down into the soft mattress. the bed that was cold a few minutes ago, was now warm and soft.  She felt him moving and adjusting as they kissed. Then she felt something warm, firm, and yet soft brush against her lower belly. The alcohol made this sensation into something quizzical but not alarming. She was horny, but buzzed. She's never been in bed with a man until tonight. the entire experience was surreal and wonderful. Ryan moved himself down on the virgin and started sucking on her nipples and lightly biting them. She moaned in approval and then reflexively pulled her legs back and rested the soles of her feet against the backs of his thighs. Sindy herself was surprised when she did this. It seemed so lewd! Yet something had made her do this and it seemed like it was the right thing to do. She also felt more comfortable this way. Her primal nature directed her responses. Sindy loved feeling Ryan suckling and biting her nipples and when he started kissing his way up her chest she had a moment of longing, wishing he'd suckle her some more. His lips moved to her ear and lightly tugged at her earlobe. Then he moved his lips back to hers and she felt his tongue move into her mouth. It was her first French kiss and somehow it didn't feel new or strange to her. It felt good to have part of him inside her body. Letting him into her body was, well; was just what her body knew to do. In the midst of kissing him Sindy felt Ryan's pelvis moving on her and she became aware of something very warm pressing against her pussy. She felt her pussy lips part and then the something moved between them rubbing back and forth. It felt nice. Very nice. She knew she wanted more of this feeling. “What are you doing to me?” she whispered into the night air. “I'm making love to you.” was what she heard in reply. Her mind struggled to process the import of what they were doing and what she had just heard. 'We couldn't be having sex, right? We're just making out! And besides', she thought to herself, 'he still has his sweat pants on.' Her hands moved from his shoulders to his waist. And then she moved them to his bare ass that was moving in synch with the sensation she felt between her legs. Sindy was torn as she realized that he was naked. She realized that the thing so wonderfully sliding back and forth in her furrow was Ryan's thick and stiff bare cock. Part of her wanted him to stop. But it felt so good! 'It's safe so long as he doesn't actually go inside me' she told herself. Ryan moved and put one arm around her with his hand holding her left shoulder. His other hand snaked around her waist and held her tight. She wasn't going anywhere now and they both knew this. Ryan withdrew his cock from running between Sindy's pussy lips and for a moment Sindy felt relief that he was done and at the same time she felt a pang of loss that it was over. She couldn't help herself but to feel giddy when she felt him press into her. It wasn't the same feeling as the rubbing but she wanted it all the same. Her cunt was hot, swollen, oozing, and hungry. She felt him press into her with a kind of urgency. The blunt tip of his cock was now searching for her opening in earnest. She felt it press and then slip away from her. Then she felt his body move back and try again. “Oh, I'm not so sure…” she said as Ryan's blunt tip finally found the right spot and she felt that tip press into the mouth of her pussy. Her hands went to Ryan's waist as if to push him away. Ryan felt Sindy tense as his cock pushed past the threshold of her pussy. He felt her try to lift his body off of hers. He paused for a moment as she said something. In that brief moment Sindy understood that Ryan's mind had checked out. The same primal instincts gave him a course of directives, which his body was destined to accomplish without needing his brain to direct. He was holding her so tight and if she didn't get him to stop it would be too late! She struggled just a bit and realized her mistake as her movement got his cock into the exact right position to penetrate her body. Ryan had felt his cock push past her pussy lips but then it wasn't going any further. Then Sindy's pelvis instinctively moved around and suddenly his cock moved deeper into her pussy. Sindy caught her breath as she felt Ryan's cock slip into her pussy. She was about to ask him to stop when his strong arms held her tight and he started thrusting into her. She wasn't yet aware that her own hips were already beginning to move in sync with his primal mission. In a few moments she felt him deep inside her body and she felt his warm balls coming down, resting on her ass. “Ohmigod.” she said. Ryan felt a sense of relief with his cock finally buried into the object of his desires. He hadn't had his cock in a pussy for almost six years and the feeling was exquisite. Part of him wanted to fuck her hard and get his rocks off. A more sensible part of him reminded him that he loved this girl. “Are you okay?” he said to Sindy. “Yeah.” she whispered, “We're having sex aren't we?” He gave her a gentle thrust and replied playfully, “Yeah, I think we are.” Ryan kissed her and slowly started thrusting himself into the girl. She took a little time to relax but eventually she did and so did Ryan. He raised up slowly, dragging his engorged cock along the rippled inner walls of her deep pussie canal; only to feel his shaft switch it's polarity and drive back, deep into her deep canal again, dropping his balls again, on her awaiting ass. He paused every now and again as he fought back the urge to fuck her hard and cum. His body wanted to fuck her body, but his heart & soul wanted to become one with her heart & soul. For her part Sindy was in awe of the amazing things happening to her. She had never imagined sex would feel so wonderful and intimate. It seemed surreal that for all of the years she had imagined what this moment would be like the moment was now upon her. She loved Ryan but at this moment he was simply the man who was finally fucking her. She surrendered her intellect, over to her body. ‘Don't think,' she instinctive told her mind. ‘Don't discuss. Don't blow this moment!' ‘Your body knows what to do. So does his. Now celebrate this marvel!' It was perhaps a therapeutic benefit that she'd been more than tipsy. She played with his hair and ran her fingernails on his scalp as he fucked her. She loved that he moaned in response. She loved the heavy male scent she smelled on him. She was a little bashful about the wet squishing sound coming from between her legs but she didn't think Ryan cared. As the lovers gently fucked Sindy's mind remembered sitting in church the week before. She remembered thinking about Jesus and his mother Mary. And the immaculate conception. Sindy kissed Ryan on the tip of his nose as he fucked her. She remembered being a smartass thinking she didn't want an immaculate conception. The three Mai Tai's and the cock sliding back and forth in her pussy made it easier for her to dismiss her own thoughts. And then it registered that what she and Ryan were doing could create a baby. She heard his breath coming faster. He was moaning every now and then and she realized that she was too. Maybe she should ask him to stop? “Uhm, fuck.” he grunted. She felt him start to move a little faster. His quickly rose from her while keeping his cock inside her body. His hands went to her knees and then, scooping her legs with his arms, he raised them up to her shoulders and pressed down on her again. Her feet were now on either side of his head. She hadn't thought it possible but now he was all the way inside her pussy. He kept his cock inside of her and thrusted over and over. She felt like she was getting beaten from the inside as his cock tried to punch its way up into her belly! He slammed into her repeatedly and yelled, “Ah, ah, ah!” Sindy grimaced as his cock pressed painfully into her cervix. Then she felt his cock swell up and start fluttering inside of her belly. The realization that she was being inseminated at that moment was mind blowing for her. Something inside of her responded and Sindy found herself feeling like something was building. She felt liquid blasts deep within her, and her vaginal reflexes triggered a euphoria which flooded every cell of her body, like a strong intoxicant invading all her 5 senses. Ryan fucked her hard and managed to get a few more squirts of cum into her. It was enough that Sindy felt her body tremble and tingle. Her toes curled and she held Ryan tight. He knew what was happening to her and started giving her a steady fucking. “Hunuhh!” she uttered and then collapsed spent from her first serious orgasm. Ryan let himself fall to the side while still laying over her hips; keeping his softening cock deeply embedded inside of Sindy. Caressing her exposed breasts he spoke, “That was amazing.” She brushed back some hair from her face. “Yeah, it was. We're gonna need to talk about this tomorrow.” There was a more serious tone to her voice. “True.” he said. They both knew not to kill this sacred moment with intellectual interactions. They didn't say anything else. Sindy got up and went off the bathroom to clean up and when she came back Ryan held the blankets up to welcome her back. She spooned up to him with her back to him and they held each other as they fell asleep. Around four in the morning Ryan woke up and quickly realized that very naked and very available Sindy was cuddled up with him. His cock was quickly hard again. He kissed Sindy's bare shoulder and got no response. She was sleeping off three cocktails and a vigorous fucking after all. He let his hands explore the girl and managed to provoke a murmur of approval from her when he fingered one of her nipples. He pulled her ass towards him a few inches and then swabbed his cock at her pussy. She was sticky from their earlier exertions but when he got her pussy lips to open a bit her moisture called to him. With his hand on her hip he gently pushed into her and in a few strokes was inside of her again. She stirred and looked over her shoulder at him. “Ryan?” “Yeah, it's me.” “Oh, okay” she said pushing back on his cock. This time wasn't about Sindy. Ryan needed to nut and he found himself fucking her. Not making love to her but just plain fucking her. When he got there he held her tight and pushed deep which elicited a whimper of complaint from Sindy. His cum spewed into her again and when he was done he held himself inside of her. When they awoke it was well past seven yet it was still kind of dark out. Sindy kissed Ryan and then went off to take a much needed shower. When she was done she put on a robe and she and Ryan exchanged pleasantries as he took his place in the shower. Neither of them had yet fully comprehended the fullness of what happened to them within the past few hours. Looking out the window Sindy saw the snow coming down and when she looked at the street it was covered in white. There were the telltale lumps of parked cars but it was obvious the snowplows had other priorities. She got the coffee going and started making breakfast. She was damned hungry and that called for eggs. Ryan was finished just in time for breakfast and the two of them sat on the futon watching local news cover 'The Storm of the Century'. He had on the sweat pants and a t-shirt. When breakfast was finished Sindy refilled their coffee cups and sat back on the futon with Ryan. “So.” she said. “Yeah.” he said with resignation, preparing himself for what was to come. “I wanted it, too.” she said as she sipped her coffee. “Really? You're okay with it all?” She demurely nodded. “Yeah, I wanted you and the alcohol was just an excuse. It's not the fairy tale way to lose my virginity but it really isn't far from it. We have a warm bed and a snowstorm outside on New Year's. It's kind of romantic really.” “Sindy, what are we going to tell your parents? It's not like you can keep me a secret after this.” She looked him in the eye. “What if we have a baby? That's more important to me right now.” Sindy expected a lot of things but she didn't expect Ryan to smile. “I'd love to have a baby with you, Sindy. I'd be crazy not to.” The two had become one. Not because of a license, not because of a priest, but because the forces of nature, and nature's God had consumated their hearts and bodies. Just as the biblical patriarch, Isaac; had simply taken Rebecca into the tent and began a marriage with a mutual commitment and intercourse, God still keeps things simple. Mankind finds ways to complicate things. The tears started to flow. Ryan pulled her close to comfort her and she told him she was happy and not sad. They sat there together for a couple hours discussing ideas for a house maybe up in Wisconsin somewhere. They talked about a modest wedding ceremony. They talked about babies. They had an early dinner that night and Sindy had just finished doing the dishes when Ryan came up to her and put his arms around her. One his hands came across bare flesh under her robe. “What are you wearing under there?” he asked. “Nothing.” “You've been naked under there all day?” She smiled. “Yup. Care to do something about it?” A few moments later Sindy had her hands on the kitchen counter while Ryan was busy fucking her from behind. Looking down at her feet she wondered if she was going to be barefoot and pregnant in the kitchen. “I hope so.” she said out loud. Society didn't know they got married during the snow storm, but the two became one in the purest, most natural sense. By Baztrachian for Literotica

Bijna drie jaar is het nu oorlog in onze achtertuin. Op 24 februari 2022 viel Rusland Oekraïne binnen en nog altijd wordt er hevig gevochten. Dit jaar verraste Oekraïne vriend en vijand door een stuk Russisch grondgebied te bezetten. Rusland boekte alsmaar meer terreinwinst, maar ten koste van gigantische verliezen. In de geopolitieke arena rommelt en schuift het als het gaat om westerse wapensteun - en wie daar een centrale rol in is gaan spelen is Mark Rutte, inmiddels secretaris-generaal van de NAVO.In het Midden-Oosten heeft Israël nog altijd haar door Hamas gegijzelde burgers niet terug, terwijl de Palestijnse burgerbevolking in Gaza extreem lijdt door het Israëlische oorlogsgeweld - oorlog die zich uitbreidde naar Libanon, Iran en Syrië.Jos de Groot bespreekt het met generaals buiten dienst Peter van Uhm en Mart de Kruif.Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

They'll frolic and play, fucking in a winter wonderland. By RejectReality. Listen to the Podcast at Steamy Stories. Josh finished off his meal before half of the other employees had even made it through the queue. He came from a poor family with three kids, and whoever ate the fastest got dibs on seconds, so he'd been in the habit of wolfing down his food all his life. Thankfully, the company had learned from the previous year's fiasco. The food had been bad enough that they'd stopped going super cheap on company meals, and had found a caterer that seemed to do everything right. It wasn't a proper family Christmas dinner, but it was as close as one could get on a mass catering scale. The caterer's track record with good food was the tipping point that had convinced him to make the long drive to the Christmas party. The door prizes were nice, but a long shot. The food was a sure thing.Pleasantly full, he chatted with a couple of the other loading dock workers he was friendly with for a few minutes, and then went to refill his iced tea. So much for that idea, he thought as he approached the beverage dispensers. There were several people on the dock he wasn't fond of, but Anthony he absolutely couldn't stand. From the looks of him, he was ranting about something, and he was standing right next to the dispensers. The guy was lazy, full of himself, and bitched constantly about how he was being singled out and treated unfairly, by everyone and everything. Another glass of tea wasn't worth the aggravation. Josh glanced at his phone and saw that it was going to be over an hour before they started announcing door prizes. He decided to throw on his coat and head to his car in the parking lot for a while, where he had tunes that weren't Christmas music, and a bottle of Coke. It was a sunny winter's day with no wind, and so felt far warmer than it actually was. When he climbed in his car on the back side of the hotel, he found that the sun streaming through the windows had kept it warm enough that he didn't even need the heater to feel comfortable. He drank his Coke, listened to music, and took in the view. The hotel where the company had rented the banquet hall wasn't part of the ski resort proper, but still had a great view of the snow-blanketed mountains. According to the signage, there were hiking trails through the pines and picnic shelters as well. Beyond the mounds pushed up by the plows were pristine natural drifts guided by the lay of the land and whim of the wind. Snow hung thick on the boughs of the pines rising out of those drifts. Above them was the majesty of the mountains. It was a far different view than at home, where the mountains were a distant vision, most often blocked by buildings, and the snow was a dingy grey. He knew he could get an even better look if he took advantage of the slight discount the company had arranged on the slopes of the resort. The key word was slight, and he had never been on a pair of skis or a snowboard. That was something he didn't want to try to learn in front of coworkers he would class as acquaintances rather than friends. After only a few minutes of sitting, he saw movement out of the corner of his eye, and glanced toward the back door of the hotel, where he'd just exited. A woman was standing there in the open door, facing inside. She had a great ass and long dark hair hanging in pigtails from a white knit cap. He thought he knew her, and when she turned slightly, it confirmed his guess. Leigh was fresh out of high school, hot as hell, and worked in one of the outlying departments of the warehouse. She was also Anthony's girlfriend. Maybe not for long, Josh thought rather smugly when he realized she was gesturing angrily at him, where he stood just inside the door. It served him right as far as Josh was concerned. He had no idea what any woman saw in the jackass, let alone a sweet little hottie like Leigh. Leigh turned and walked away from the hotel, and Anthony didn't follow. As she approached, he could see that she was red-faced and had misty eyes. Her expression was likewise a mixture of anger and sorrow. He assumed she was heading for her car, but when she reached the back of the lot, she stepped onto the snow-covered trail leading into the pine forest. It didn't seem like a particularly good decision, but he was torn. If he followed after her, he could very well come off as a creeper. On the other hand, she was obviously upset and not thinking clearly. Wandering into an unfamiliar, snowy forest in that state was a recipe for potential disaster. He agonized over the decision for a minute or so, until she actually vanished into the trees. That was what finally encouraged him to get up and follow her. Hers were the only footprints in the inch or so of snow that had fallen the night before, making her easy to track. Catching up was a different matter entirely. She was moving quickly along the curving path, and paying no mind to where the snow had drifted a couple of inches deeper here and there. Josh increased his pace when he realized just how far ahead she must be. He caught up after a bend in the trail near one of the picnic shelters to see her looking warily over her shoulder. She visibly relaxed when she recognized him. "You okay, Leigh?" he asked. "I'm okay, I guess," she answered. He could see where her previously unshed tears had rolled down her cheeks as she walked. "I was worried when I saw you walking back here alone. I'll leave you alone if you want, but I wanted to check on you." "No, it's okay. I should really go back. I wasn't thinking about how stupid it was until I heard you behind me and didn't know who was following me." "Sorry to scare you." He noticed that one of the picnic tables beneath the shelter had avoided being covered in snow thanks to thick, overhanging pine boughs. He pointed and asked, "You want to sit down?" "I..." She hesitated and fidgeted for a moment before continuing, "Sure." Josh shuffled his feet, making a path through the snow over to the shelter. They both stomped the snow off their shoes near the table, where only a dusting covered the concrete. He then climbed up to sit on the table, rather than the seat, and she did the same. "You work on the dock with..." She trailed off, leaving the name unsaid. "It's Josh, right?" she asked. He nodded. "Can I ask you something?" "Go ahead." "Does Anthony talk about me? About us?" Josh hesitated, knowing that what her boyfriend said about her probably wasn't something she wanted to hear. "Well, we don't really talk much." "But you hear him, I'm sure," she said with a slight roll of her eyes. "Be honest. What does he say about me?" He had no reason whatsoever to protect Anthony, and though he knew it would be hard to hear, she probably suspected the truth anyway. So he answered, "It's mostly about sex, and complaining about anything else you want to do as smothering him." "He doesn't call me his girlfriend, does he?" "It's mostly my bitch." She clenched her teeth and let out a little growl. "Has he ever talked about cheating on me?" "Like I said, we don't get along... But I have seen things that make me think he might." "That skank Jennifer?" Rumor was that Jennifer had slept with at least a dozen men from the warehouse and a couple of supervisors, one of whom was married. Her suspicions were hardly without evidence, and he told her, "I've seen him talking to her a few times after work in the parking lot." "I knew it. I am so tired of his shit." She then sighed, caught his gaze, and said, "Thanks for telling me the truth." Damn, she's beautiful, Josh thought as her eyes softened. "You're welcome." Leigh said, "I almost didn't come today. I'm glad I did now." She then looked around and said, "It's really pretty out here." Though he much preferred to enjoy the scenery right in front of him, he took in their surroundings as well. "Yeah. No tracks in the snow, and the snow hanging on all the pine boughs. The little beams of light that sneak through and light up patches of snow. It's nice." "Just far enough away that you can pretend the hotel isn't just over there, because you can't see it." "Peaceful, and quiet," he agreed. Leigh made eye contact with him again. She was smiling, and her deep brown eyes were alight, once again entrapping him. "I don't know why I can't find a nice guy, like you." "I'm a guy like me," he said before his brain could catch up with his mouth. He instantly winced and looked away, knowing how ridiculous it sounded. Leigh laughed, though it had none of the mocking tone he expected after delivering such a cheesy line. She then reached up, cupped his chin, and guided him to look at her. "Sorry. That..." He couldn't finish. His face felt so hot from embarrassment that he was surprised he didn't see water pouring off the roof from the snow melting away. She smiled and said, "It's okay. It was kind of cute, and sweet actually." He nearly gasped from the sparks flying between them as they looked into each other's eyes. The next thing he knew, she was scooting closer to him, and then leaning in. He didn't hesitate in the slightest to return her soft, sweet kiss. Leigh let out a quiet moan when their lips parted. They locked eyes, and simultaneously sought each other's lips once more. Josh's tongue slipped over hers, and he lifted his hand to caress her face. She tousled his hair and stroked his arm. Her kisses grew steadily more passionate, and he eagerly matched her. He wondered what she was doing when she reached up between them and unzipped her coat. She didn't leave him guessing for long, and guided his hand to her breast before reaching between his legs. She moaned into their hungry kiss when she felt his hardness. She was still squeezing his erection through his pants when she once again redirected the hand exploring her breasts. She guided it beneath her gray and black mottled sweater, and then back to the firm mounds again. No bra impeded his access to her, and he squeezed her left breast while running a thumb over her stiff nipple. Leigh broke from the kiss, but stayed close enough for him to continue fondling her firm, eighteen-year-old breasts. She bit her lower lip for a moment, and then began unbuttoning his pants. "What are you doing?" he asked in disbelief. "What do you think?" she countered as she made quick work of the button and zipper. She fished his cock out into the crisp winter air, but it wasn't exposed long. He turned his hand as she leaned into his lap, never losing contact with her breast, and settled the other on the back of her head. Josh groaned when she took him in her hot little mouth. Anthony is a fucking idiot, Josh thought as she worshiped his cock with slow, deep sucks. "That feels so good, Leigh," he encouraged her in a voice barely above a whisper. Leigh moaned around him, adding a new layer to the incredible sensation. After a few more sucks, she released him, blew out a long, slow breath over his saliva-slick member and said in a husky voice, "I need you." He began, "Do you want to go back to my—" She cut him off by sitting up and saying, "I need you right now." She lifted her foot and began sliding off one of her black, fur-topped boots. Josh instinctively looked back toward the trail. They were out of sight of the hotel, but they weren't that far away. Leigh didn't seem to be the slightest bit concerned. She'd already pulled off one of her boots, and removed the other as soon as he turned back. "This is crazy," he said. "Uh huh," she agreed even as she began popping open the buttons of her pants. Crazy or not, there was no turning back as she stood on the seat and began to wriggle out of her pants. A groaning sigh escaped him as the material slipped down to her thighs, revealing her shaved pussy. "Awe!" Leigh exclaimed when her bare bottom hit the cold wood of the table, but it didn't deter her. She nodded over her shoulder and said, "Lay down," while she finished removing her pants. Josh unzipped his bulky coat, slipped his arms out of the sleeves, and reclined atop it as he drank in the sight of her, naked from the waist down, quickly rolling up her pants. She placed them atop his coat by his chest, and then reached for his pants. He lifted his ass so she could wrestle them down to his thighs. A second later, she stepped over him to a reverse-cowgirl position. Leigh looked back over her shoulder as she squatted over his lap and quickly asked, "Is this okay?" He nodded and then dropped his eyes back to the sight of her tight little ass. She didn't waste any time reaching down to stand his cock up straight and lowering her pussy to it. A moment later, the chilly kiss of the wind was replaced by her warm, velvety walls engulfing him. Leigh gasped, and he groaned. Josh grabbed her waist when she began to ride him. Leigh undulated, letting out little moans as her pussy slid up and down his cock. Her right hand moved from his leg to in front of her, and she whimpered when she began to rub her clit. "Oh god, yeah," he groaned. "S-so good," she whimpered in response. "So big." Her strained tone was practically screaming bigger than that dickhead Anthony, which brought a grin to his face. She moved a little faster, and her sounds of pleasure rose in volume to match. The dark fans of her pigtails began to sway across the white of her jacket. "Ah fuck," he exclaimed while shuddering from the feeling of her tight, wet pussy milking his cock. She seemed to agree when she responded, "Uh huh. Oh yeah." After a few more sweet gyrations, she said, "Warn me if you're going to come." Josh let out a growl and said, "Okay, I will." Leigh leaned forward, allowing her hips to move at an even faster pace. It also let him see his cock sliding into her pretty pink pussy. She was soaking wet, and his erection glistened in the dappled light with her juices. Josh let his hands glide over her hips, her quivering ass, and up her waist beneath her sweater. Beneath the wool, her skin was hot, in sharp contrast to the slight chill where she wasn't covered. "Oh my god," she exclaimed after half a minute or so, and then began to bounce hard on his erection. Her ass clapped against his skin, the sound echoing back from the roof above and the surrounding trees. Josh dug his fingers into her hips, pulling down when she descended and bucking his hips at the bottom of the stroke. The smacks of colliding flesh grew even louder, and he could hear the wet crackle of his cock penetrating her. Wrong as it was, having his cock buried in Anthony's girlfriend was an incredible thrill. On top of that was the dangerous excitement of possibly being caught. It made him throb hard in her tight, slippery embrace. "Ah! Oh! Ah! Ah! Ah!" she cried as her pleasure mounted. "Yeah, ride me," he encouraged her. "So fucking hot." "So full. So good. Oh, Josh..." "Leigh, you're so sexy." She looked back over her shoulder, and her ecstasy was plainly written on her face. "My pussy feel good?" "Incredible. God, you're beautiful." Leigh whimpered and a smile merged with her tightened features. She looked at him for a second or two longer before gasping and wiggling her ass with him balls deep inside her. Then her hips rose and slammed back down on him again. "Oh, baby," he groaned. "Yes." "I want you to come." "Oh yes. Yes!" He could see how fast her hand was moving between her legs, and even hear the skitch skitch sound of her fingers flashing over her folds, between the slaps of flesh on flesh. She whimpered, "Feels so good. Gonna... Gonna make me come." Josh growled and gripped her hips even tighter. "Oh yeah. Come." "So close. Oh god!" she cried, and then went absolutely wild. Leigh impaled herself on his hard cock with reckless abandon. Her feminine grunts of exertion were incredibly sexy, and triggered an itch in the head of his cock that was quickly swelling. The skin beneath his hands felt nearly as warm as it had beneath her sweater as the effort raised her body temperature. He likewise no longer noticed the chill of the air on his skin as his pleasure mounted. "Yes. Do it. Do it. Come for me," he growled while fighting off an eruption. Leigh was beyond words. She serenaded him with increasingly, almost alarmingly, considering the situation, loud sounds of pleasure. Josh closed his eyes, as he was careening toward an orgasm as well. Not being able to see her did little to curb the urgency, however. He was on the verge of warning her that he was going to come when he felt her jerk, and then slam down over his hips one final time. She yelped as her walls clenched around him in orgasm. "C-coming!" she squealed a moment later. Josh bucked his hips up into her climaxing pussy and grunted, "Yeah. Yeah. Fuck!" Leigh twitched, jerked, and whimpered atop him as the throes took control of her. Josh clenched his teeth and stiffened. Her canal squeezing around his cock was nudging him closer to the edge by the moment. He knew he wasn't going to last much longer. "Shit. Gonna come. Gonna come," he warned her in clipped grunts. Leigh lurched off his cock with a pained whimper that warbled when she was left empty. She drew in noisy breaths as she dropped forward onto her hands. Then she haltingly pushed back toward him. He could see steam curling from her hot flesh where sweat and her juices were evaporating into the cold, dry air. His eyes snapped closed a fraction of a second later when she took his cock in her mouth. Leigh bobbed her head in short strokes, and it didn't take long. She croaked when his hips thrust upward of their own accord as he surrendered to orgasm. Josh grunted and gasped, pumping cum into Leigh's eager mouth. She sucked hard and worked her lips around his pulsing shaft, milking out every drop he had to offer. His ejaculations were so powerful that he started to feel light-headed from the intensity. He both heard and felt her long, satisfied moan when the last few dribbles oozed onto her tongue. She kept sucking. His head cleared in a flash as he grew sensitive. For a second, all he could do was pant through clenched teeth. Then he grunted, "Shit. Ah, god damn." Leigh's next moan was a devilish chuckle. She kept her lips locked around him for a few agonizing seconds, and then finally let him slip free. His sigh of relief was premature, because she wasn't done. She tongued the head of his cock, causing him to grip the edge of the table and thrash beneath her. Finally, she had mercy and rested her head on his leg. "I came so hard," she said in a languid voice. "God, Leigh. Me too." She moaned, but then they both simultaneously shivered as the heat of their orgasms ebbed, letting them feel the bite of the cold air once more. Leigh was the first to move, as she was far more exposed. She sat up over her knees with her teeth chattering, and snatched up her pants. As soon as she moved to pull them on, he was quick to do the same. Josh zipped up his coat, watching her wrestle her pants back up. She continued to shiver even after zipping up her coat, so he curled a hand around her back, and pulled her into an embrace. A soft moan marked the change in her shiver from one of cold to something entirely different. Their eyes met. They both smiled, laughed, and moved in for a kiss. She had a look of surprised delight on her face when their lips parted. "Anthony would never kiss me after I sucked him off." Josh kissed her again, proving it didn't bother him in the slightest. "We should probably get back, huh?" she said as they caressed each other's faces. He nodded. "So... Uhm... What are you going to do?" "Tell him its over. He probably won't care." "Fucking moron." Leigh giggled. "Let's go. I want to get this over and done." They walked together down the trail, across the parking lot, and then into the hotel. Once in the banquet hall, they split up so Leigh could break up with the jackass. Josh watched out of the corner of his eye, and felt a surge of anger when Anthony did little more than wave his hand and walk away from her. What a fucking prick, he thought. The anger evaporated in an instant when Leigh walked toward him wearing a beatific smile. When she reached him and took his hand, he caught a glimpse of Anthony. The smug, dismissive look on the asshole's face turned to one of pure rage. Josh only looked for a fraction of a second before redirecting his attention to Leigh. "So, he was my ride," she said. "Give me a ride home?" He nodded, and couldn't help but feel a little smug when she lifted up onto her toes to kiss him. She then whispered into his ear, "And give me a ride at home?" They completely ignored the announcement of the first door prize as they walked toward the door hand-in-hand, both content with the treasure that was already theirs. By RejectReality for Literotica

Russische troepen naderen de Oekraïense stad Pokrovsk, in een week waarin een hooggeplaatste Russische generaal omkomt door een bom in een step.En als er iets is waar de oorlog in Oekraïne om bekend is komen te staan, dan is het wel het gebruik van drones. Al meer dan tweeënhalf jaar zien we de raketten en drones over en weer vliegen - ook weer deze week. Daarover ontvangen we vaak vragen van luisteraars en dus gaan we daar vandaag wat dieper op in. Daarvoor hebben we hulptroepen ingeschakeld: hoogleraar data science aan de Nederlandse Defensie Academie Roy Lindelauf is te gast. Hoe belangrijk zijn drones in de oorlogsvoering van nu en wat als een drone autonoom wordt? Dat en meer bespreekt Jos de Groot met generaals buiten dienst Peter van Uhm en Mart de Kruif. Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

43.000 doden en 370.000 gewonden, dat zijn volgens Zelensky de verliezen aan Oekraïense zijde. Hij sprak deze week met Macron en Trump, die zo snel mogelijk een staakt-het-vuren wil. Maar hoewel dat misschien in de lucht hangt, waarschuwt de Nederlandse minister van Defensie Brekelmans dat er een reële kans is dat Nederland direct betrokken raakt bij een grootschalig gewapend conflict.En in Syrië is het regime van Assad gevallen; Israël zag haar kans schoon en besloot een groter deel van Syrië te bezetten. Dat en meer bespreekt Jos de Groot met generaals buiten dienst Peter van Uhm en Mart de Kruif. Je luistert naar Veldheren.18 DEC 24THEATER DE WILLEM - PAPENDRECHT Verwacht een militair college van Peter en Mart, vragen uit de zaal en bovenal: een inspirerende avond. Kaarten zijn nu te koop via de websites van de theaters op kijk op cortimedia.nl/live. Hopelijk zien we je daar! Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

The segment discusses proposed FHA loss mitigation changes, including increased loan limits and revised policies, urging industry feedback by December 23rd, while highlighting concerns over tight deadlines and the need for experienced leadership in housing policy.----------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training at Union Home MortgageShe handles development of their World Class Training program designed to support UHM partners and organizational effectiveness.Prior to UHM, Alice served as Senior Vice President at Indecomm leading the Indecomm-Mortgage U division, Internal QA and Compliance and SaaS technologies. Indecomm acquired Mortgage U in 2013, where Alice was President/Co-founder, providing training and consulting since 1996. Prior to MU she served as SVP of Operations at a national bank overseeing operations for wholesale, retail and correspondent from underwriting through servicing, and compliance.She has been in the trenches of mortgage lending operations from application through servicing for over 30 years. Her authoring work in training content, policies and procedures and the FHA/VA Practical guides illustrates her ability to bridge regulatory requirements with day-to-day operations.Alice has been a weekly contributor to the Lykken on Lending show since its beginning in April 2009 and has made her weekly contributions to 450+ episodes!

De Russische oorlogsmachine blijft doorstoten. In november boekte Rusland de grootste terreinwinst sinds maart 2022.Toch heeft Poetin er een hoofdpijndossier bij. Sinds een week rukt een rebellenleger op in Syrië en wankelt de Syrische president Assad. Poetin moet kiezen: zijn bondgenoot helpen of alle focus op Oekraïne houden? Tussen Israël en Hezbollah is er inmiddels een week een staakt-het-vuren van kracht. Toch vielen beide partijen elkaar meermaals aan. En de Nederlandse Defensie bekeek de mogelijkheden om de opkomstplicht te heractiveren. Conclusie: de Nederlandse krijgsmacht is daar nog niet klaar voor. Dat en meer bespreekt Jos de Groot met generaals buiten dienst Peter van Uhm en Mart de Kruif. ​7 DEC 24THEATER ORPHEUS - APELDOORN18 DEC 24THEATER DE WILLEM - PAPENDRECHT Verwacht een militair college van Peter en Mart, vragen uit de zaal en bovenal: een inspirerende avond. Kaarten zijn nu te koop via de websites van de theaters op kijk op cortimedia.nl/live. Hopelijk zien we je daar! Wil je meer Veldheren? Meld je dan aan op vriendvandeshow.nl/veldheren. Daar beantwoorden Peter en Mart meer luisteraarsvragen. Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

The discussion covered FHA's proposed rental income flexibilities, insights on HUD's new leadership under Scott Turner, and the ongoing need for modernized housing policies and technology improvements at HUD and Ginnie Mae.----------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training at Union Home MortgageShe handles development of their World Class Training program designed to support UHM partners and organizational effectiveness.Prior to UHM, Alice served as Senior Vice President at Indecomm leading the Indecomm-Mortgage U division, Internal QA and Compliance and SaaS technologies. Indecomm acquired Mortgage U in 2013, where Alice was President/Co-founder, providing training and consulting since 1996. Prior to MU she served as SVP of Operations at a national bank overseeing operations for wholesale, retail and correspondent from underwriting through servicing, and compliance.She has been in the trenches of mortgage lending operations from application through servicing for over 30 years. Her authoring work in training content, policies and procedures and the FHA/VA Practical guides illustrates her ability to bridge regulatory requirements with day-to-day operations.Alice has been a weekly contributor to the Lykken on Lending show since its beginning in April 2009 and has made her weekly contributions to 450+ episodes!

Oekraïense bevelhebbers luiden de noodklok, want de Russische opmars in Oekraïne versnelt. En dat niet alleen - afgelopen week vuurde Rusland naar eigen zeggen een nieuwe, onstopbare ballistische raket op Oekraïne af, als reactie op de Amerikaanse en Britse langeafstandswapens die Oekraïne voor het eerst op Russisch grondgebied afvuurde. Israël en Hezbollah zijn akkoord gegaan met een staakt-het-vuren in Libanon; komt dat er dan ook eindelijk tussen Israël en Hamas in Gaza?Dat en meer bespreekt Jos de Groot met generaals buiten dienst Peter van Uhm en Mart de Kruif. 29 NOV 24ISALA THEATER - CAPELLE AD IJSSEL3 DEC 24PARKTHEATER - EINDHOVEN​7 DEC 24THEATER ORPHEUS - APELDOORN18 DEC 24THEATER DE WILLEM - PAPENDRECHT Verwacht een militair college van Peter en Mart, vragen uit de zaal en bovenal: een inspirerende avond. Kaarten zijn nu te koop via de websites van de theaters op kijk op cortimedia.nl/live. Hopelijk zien we je daar! Wil je meer Veldheren? Meld je dan aan op vriendvandeshow.nl/veldheren. Daar beantwoorden Peter en Mart meer luisteraarsvragen. Zie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

So, you built this, huh? I certainly must have, at some point. All by yourself. I highly doubt. You just considerably know yourself well to have brought yourself here— Or not. Let's just say, I really uh— Fuck, I blacked out, Tied one on the night before. Oh, God. And the day before— Oh, well. Hello, t there. I—uh— And the night before the day before. Christ. All I'm saying is, for this audition you're going to want to keep it classy. Keep it—classy. Let the games begin! In those pants I could make you into anything In these jeans it seems there may indeed be a reason to meet me, and maybe Just maybe If we're playing the same game. You may see me, And we will play together— For eternity. What exact the fuck game are you playing with this guy? I don't remember. Drunken Posers. FUCHK. I hate this game' I love this GAME. Jett How am I supposed to find this tiny Drew Barrymore, before 6 o clock tonight You're going to have to find a way— You might try here What Or here What! How am I supposed to know which kid she is You'll remember her—she'll remember you Yeah, whatever Oh, and another thing— She'll be so cute you want to die. Oh god Hey kid. I've got some new for ya -“[a very tiny Drew Barry otte screams at the top of her lungs] Rig it in time, bro And right in timbre TIMBRE Look, this has been moved up the ladder some. Excuse me? Chain of command. Are you telling me, that I somehow outrank— This fool. This fool. Ugh. In the Illuminati? *shrugs* She outranks me. Dang, dude. What are you gonna do? Nothing, I guess. That's not an answer. SUNNI! What. WHAT HAPPENED?! I don't know. That is NOT an answer. We wear black in winter. Well, at least I got the dress code right… Welcome To New York. We wear black in winter. Walk at a fast pace into oncoming traffic. Every. Single. Thing. Is a— Speeding Silver— Bullet. (If you catch it, [you can]try to paint it gold. Toucan Sam I will tell you- I will tell you— I will tell you again. You don't exist, It's moot that I don't exist. It's that I'm extract l. L l It's that I'm extinct Okay, look; this is— not what you're used to. What am I used to? You're a Piglet. Eeyore. Where's Pooh? Probably with Tigger. Well. Well. I guess it's just—us—then. … … [beat] (A long, heavy pause for dramatic effect) F—-ck this is awkward. Producer foods: P B & J Check. And almond butter. Nice. This is horrible. But here it goes. What is. Here it goes: Noodles. Check. soy sauce? Yessir. Steak. Check. Scissors. Check. [beat] Uh. Mau5. WHAT CHICKEN. why does he have a cat named chicken! We're about to find out. What are the scissors for? Exit, exit now. Why? FUDGE. HOT FUDGE. Damn, Dillon. wtf. Flashback: (Listening to Dillon Francis on heavy rotation at acid-level synesthesia) *smacks lisp* @9@ lol okay ***smacks lips*** Does this taste sweet to you? I still see that one cereal box and get reminded of Dillon Francis a lot. Facts. Ketchup. Facts. Vanilla Soy Milk Correct. Out of all the comedians I studied, Jay Pharoah was my new favorite. Yes, my new favorite comedian. There were the old favorites— The classics, if you will. You know Bernie Mac, Kat Williams, Robin Williams— And this, by the way, is in no particular order— Eddie Murphy Cedric— (Sorry I thought you were dead, broh.) Cereal. Yup. Two kinds! Teriyaki—for the noodles? Did I not mention that with the soy sauce already? It should be maybe like included with the soy sauce. No, its seperate. Dane Cook. Really dawg, come on. Richard Pryor. Titans, broh, titans. PERCIUS Yo. NO. NOO—NO. Shut up. I gotta tell you something. *screaming girlie* NO. Shut up! I told you all along. No you didn't! She—cannot—be trusted! You encouraged it! You—don't tell me what I did— You did that! You just worry about what you did— What I did?! What you've done!! What— Oh god. Oh jeez. Oh, shit, son!! I gotta get goin. Wait, you're right: where is Liz? Good question. This is not safe. This cannot be safe. It's not safe. This is not KOSHER. What's it matter to you? It SO matters. Are you a Jew, now? It might suit me at this point. Or eventually, it may. What's that supposed to mean. Quiet, Liz. We're almost finished. Finished with what. Just one more *strap* Oh, great another— Shh. DOCTOR! DOCTOR. Nobody can hear you. Oh! But they will. They won't. And why not?! Because, you're a cartoon character; and even if you weren't. What are you talking about?! I'm Liz Lemon! Yes—that is—semi-correct. Semi correct?! It is fully correct! Elizabeth Lemon would be fully correct— by definition. What—what are you doing? Preparing for takeoff. Takeoff?! Where are you sending me. Takeoff from The Migos feels a small pull in his heart, and a ringing in his ears, as he becomes the first living Migo to be mentioned in the festival project. Huh. {Enter The Multiverse} First of all, his Skrillex impression l— Spot on. Because yes, As we all know— Those of us who were there to watch Skrillex Personally sign on to The Illuminati Via Justin Bieber— Nothing so quite remarkably Brought back its pungent memory— The song that in one phrase, Both started and ended it all, Than Jay Pharoh's own memorandum, A representation by impression, Of this particular sound, Known lovingly otherwise as “Skrillex” And however, was the Pause What in the fuck did I just see. Oh, that's just Skrillex . I knew it was you. Yes, yes you did… Okay— Now. Now where are you going to go? I don't know. That's not an answer. Oh god. Right. It's just a bodiless fuckin Like an orb. That's what you'd call that? I'd call it more of like A florecent, gellatenous— Presently, yes— Blob, of sorts. Oh shit. This bitch said “bomb” and Kamala in the same sentence. lol. Yikes. She finna be famous, on accident. Probably on purpose, but if it was gonna be on accident— it'd be because of that. You right. Man, I'm fuckin ba— —ked. kettle chips. I love those. How are they kettle chips if they're baked. *shrugs* I dunno. Damn. Alright. That nigga is fine as fuck. Dont we all know it. Get him the fuck out of my face. Whatchu mean?! It's eye candy. I don't eat candy! Unless it's spelled with a k and made of letters! Okay Alright —and even then and only then will I eat it if I am inexplicably drunk or in any other way otherwise intoxicated. Ok, damn. Ok Sunnï. Now, get that nugga out of my eyesight. He's not He's not technically “in your eyesight” EVEN MY PERIPHERIAL. Ok. AND NY FORESIGHT, and my HINDSIGHT OK. Ok Sunnï. AND MY FORESKIN, AND MY FOREHEAD AND NY FORESHADOWING— LOOK. JUST GET HIM OUT OF MY LIFE OUT OF LIFE the whole life OUT MY LIFE. Ok. On it. Two minutes to wrap this up Before the fast of the century Falls flat on its face Like the rice noodles I'm about to stuff your face with Pronto the moment You arrive back in your body Where am I now? At a rave. (In the bathtub) Which is—accurate? Which isn't? [A Cult Classic] Around 1:30 we rendezvous Until, that is, This posts, with the rest of them And as of then, We'll meet again, At another time (Set no reminders) Cameras flash and shines the diamond. Is that it? Yeah, I thinks so. Are you sure? I mean, produce stuff. Peppers, onions, whatever. —are you sure? Yeah, that's it. Are you serious? What? What's wrong. Where's the Jimmy Fallon's? What?! (They're gonna kill me for this) Playtoy, plaything Gets old real l quick It's love, not lust Gets home round ten Get up round 6 Makes the round. Wraps a towel around his head Writes love on her arm It's a real nice story, If you're surviving the apocalypse. Lips, lips, yeah Lipstick, lipstick Golden charriots And Blondish wigs sis Since when did you get hip Since hip replacement No birthday presents; But it's too late, isn't it? It really is, it really is It's too late, isn't it It really is, it really is —but, it's too late, isn't it. I want you to watch this. What is it. Not sure yet. Uhm, okay: See you later. What, you're not going to watch it with me? You're gonna need a professional fluffer. Call my agent and my lawyer. Aren't they the same guy? What?! NO! *shrugs* What the fuck is wrong with everybody! Sorry imm late! Hey tigger. Tigger. It is I. Where's Pooh. How should I know? We thought he was with you. Who is we —? Us, And what do I look like—his keeper? Do the Charlie Brown. What?! Do the Charlie Brown! What? Like wawahwahwa?? No! Idiot! The dance. The what. Do the dance?! I don't know what that is. What. What the fuck. I thought you was supposed to be funny. I am! I was. But you don't know how to Charlie Brown I know how to Charlie Brown! I just did the “wahwahwa” That's the teacher! Man, shut up! You—what?! There's a dance! I didn't know there's a dance! What the fuck, man. You lose, dawg. What do you want from me?! Hold on! Boss. What?! He don't know how to do the Charlie Brown. What. I said. That nigga don't know how do to the Charlie Brown?! He say he don't! Man— Man!!! I said! Shoot that nigga! Jay Pharoh, another notable SNL alumni, however From the wonder years in which I had really never watched, but only glossed under in curiosity— Just so happened to be the definitive test of my overall attraction to members of my own “race” classification— And an incredible impressionist— Maybe even the best, ever. But here, let me explain the first part. I realized that simply, watching his performance , That I was certainly not— Nor might I ever be— Attracted to black men. Yes, indeed. Jay Pharoh stood as the equivalent of The girl the gay guy kisses passionately in order attempt to achieve arousal from such an act, by this, I mean: That I watched this stand up performance as a straight female, fellow performer, and sapiosexual— In knowing and understanding that, I was watching this man, as I had many others, Doing something I found incredibly attractive— Actually, almost irresistible— Performance art; Live performance art— Better yet, Stand up comedy, which I have yet to have fully broken the code—meaning that this act— An illusive mystery to me as to how exactly it is practiced; Whereas with music the viel has since been lifted— There still exists a certain type of magic in the act of performing stand up comedy, especially to large audiences. And so, in the sense that Jay Pharoh—a notable SNL alumni, an incredible performer and with the added bonus of being an extremely attractive and accomplished fellow l— There should be some kind of —you know— Erotic spark involved in watching this performance;such as the young gay man uses his willing perceivably attractive female friend as a practice test in order to better understand his own identity and circumstance, so was this Not entirely on purpose— But actually, hy complete accident, and Just as the young gay might realize upon kissing his female friend— I realized this: Jay Pharoh to me was an incredibly beautiful human being— So incredibly beautiful, in fact, that several times during his performance— I actually wanted to cry. Cry actual tears— And while I realized that this man, As beautiful as he was— Physically, and spiritually— Aesthetically, and otherwise— Hitting all the marks in all the places that he should, There was one thing that made it feel as if, In anything at all in the world, We were incompatible. Not to say that I could put myself into the category of upper echelon women to compete over such an admired person at all— But only finally realizing something important about myself, that just so happened to be as important as the formerly unsure gay's sexuality is to him; My attraction to black men did not exist. Like I said, it was bad— Or at least, it sounds bad. But now I finally get it. This man, Who had everything I could dream of and more, Who happened to be in peak shape, At the height of his career, And incredible in every single possible way— Who was, So beautiful, in fact, inside and out— That I nearly did cry— Still wasn't someone I wanted to have sex with. Case solved. Of course, this man can do much better. That's far beyond the point; And, If there is a point at all to any of this, it's that Gender, and sexuality, and attraction are still In this time Just as much of a mystery to humanity as it's ever been, and as much as it'll ever be The theory of genetic attraction so far is entirely existent only in my mind— or perhaps even, hidden somewhere deeply in secret within my genetic code, as the closer I age toward my own maternal peak, the more spacific the traits in the opposite sex which dictate what I am and am not or will or will not be attracted to sexually. Does that make me a racist any more than a homosexual's explicit desires to see a same-gendered person over the opposite makes them a mysognoist or otherwise? #karmageddon And while I've struggled in my cellibacy to adapt to a changing world, realizing that my viewpoints and beliefs, my code of ethics and even my own morals have become somewhat obsolete that, I'm forced to recon, alongside with my non-binary assignment, that the need to procreate as a female, a natural phenomenon and this desire for change within the current genetic predisposition Is something like homosexuality, in that My particular genetic code And the particular genetic code of my potential mate rests with the knowledge that my own intrinsic sexual attraction or converse aversion to one determination over another is in part due to the structure of evolution within our species with the higher purpose of creating offspring more likely to survive and succeed within the world's consistently changing climate—sociologically and otherwise. What in the fuck does this have to do with comedy?! Nothing, this is the equivalent of the recently self-realized gay man having an overaggrandized and theatrical coming-out So what are you coming out with exactly? I don't know. I just like white dudes. That's it? Yeah. . . . #floatingfastdays [The Festival Project ™] That's it?! Yeah. “I like white dudes.” Only white dudes. That's all you were trying to say? Not trying to say. I said it. Like, scientifically, and shit. Are you serious? I want one. {Enter The Multiverse} [The Festival Project.™] COPYRIGHT © THE FESTIVAL PROJECT 2024 ALL RIGHTS RESERVED. ©

This segment explores the FHA's actuarial report, its implications for MIP premiums, and how evolving market dynamics are impacting borrowers and lenders in the mortgage industry.----------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training at Union Home MortgageShe handles development of their World Class Training program designed to support UHM partners and organizational effectiveness.Prior to UHM, Alice served as Senior Vice President at Indecomm leading the Indecomm-Mortgage U division, Internal QA and Compliance and SaaS technologies. Indecomm acquired Mortgage U in 2013, where Alice was President/Co-founder, providing training and consulting since 1996. Prior to MU she served as SVP of Operations at a national bank overseeing operations for wholesale, retail and correspondent from underwriting through servicing, and compliance.She has been in the trenches of mortgage lending operations from application through servicing for over 30 years. Her authoring work in training content, policies and procedures and the FHA/VA Practical guides illustrates her ability to bridge regulatory requirements with day-to-day operations.Alice has been a weekly contributor to the Lykken on Lending show since its beginning in April 2009 and has made her weekly contributions to 450+ episodes!

The FHFA has proposed a new rule to enhance governance within Federal Home Loan Banks by modernizing board requirements, clarifying expertise standards, and implementing conflict of interest policies, with a public comment period open until February 3rd.----------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training at Union Home MortgageShe handles development of their World Class Training program designed to support UHM partners and organizational effectiveness.Prior to UHM, Alice served as Senior Vice President at Indecomm leading the Indecomm-Mortgage U division, Internal QA and Compliance and SaaS technologies. Indecomm acquired Mortgage U in 2013, where Alice was President/Co-founder, providing training and consulting since 1996. Prior to MU she served as SVP of Operations at a national bank overseeing operations for wholesale, retail and correspondent from underwriting through servicing, and compliance.She has been in the trenches of mortgage lending operations from application through servicing for over 30 years. Her authoring work in training content, policies and procedures and the FHA/VA Practical guides illustrates her ability to bridge regulatory requirements with day-to-day operations.Alice has been a weekly contributor to the Lykken on Lending show since its beginning in April 2009 and has made her weekly contributions to 450+ episodes!

Welcome back to Oddities the podcast where no topic is too *~*StRaNgE*~*! Another week another interesting episode!!! First up the very beautiful tradition of Día De Los Muertos, sit back and learn how one laughs in the face of death and honors their loved ones that pass away. Up next the very vey spooky legend of Hanako-san...Uhm...Japan...Are you okay??Support the showFollow along on social media:FacebookInstagramWebsiteEmail: Oddities.talk@gmail.comHuge shout out to Kyle Head for our awesome new intro! Check out his amazing Music! Thank you Mana Peach for our adorable prattling cows! Check out her designs!Check out Lindsey Bidwell's designs (merch and new logo!)Check out the Moose Cottage! Check out our merch!

This week's highlights three FHA mortgagee letters open for feedback, covering extended cyber incident reporting requirements, guidelines for nonjudicial foreclosures on secretary-held liens, and proposed changes allowing DE underwriters to work part-time while still being employed by a single company.----------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training at Union Home MortgageShe handles development of their World Class Training program designed to support UHM partners and organizational effectiveness.Prior to UHM, Alice served as Senior Vice President at Indecomm leading the Indecomm-Mortgage U division, Internal QA and Compliance and SaaS technologies. Indecomm acquired Mortgage U in 2013, where Alice was President/Co-founder, providing training and consulting since 1996. Prior to MU she served as SVP of Operations at a national bank overseeing operations for wholesale, retail and correspondent from underwriting through servicing, and compliance.She has been in the trenches of mortgage lending operations from application through servicing for over 30 years. Her authoring work in training content, policies and procedures and the FHA/VA Practical guides illustrates her ability to bridge regulatory requirements with day-to-day operations.Alice has been a weekly contributor to the Lykken on Lending show since its beginning in April 2009 and has made her weekly contributions to 450+ episodes!

This week's report covers the 2025 increase in conventional loan limits, key insights from HMDA data on market trends, and resources for lenders to analyze mortgage application and loan data.----------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training at Union Home MortgageShe handles development of their World Class Training program designed to support UHM partners and organizational effectiveness.Prior to UHM, Alice served as Senior Vice President at Indecomm leading the Indecomm-Mortgage U division, Internal QA and Compliance and SaaS technologies. Indecomm acquired Mortgage U in 2013, where Alice was President/Co-founder, providing training and consulting since 1996. Prior to MU she served as SVP of Operations at a national bank overseeing operations for wholesale, retail and correspondent from underwriting through servicing, and compliance.She has been in the trenches of mortgage lending operations from application through servicing for over 30 years. Her authoring work in training content, policies and procedures and the FHA/VA Practical guides illustrates her ability to bridge regulatory requirements with day-to-day operations.Alice has been a weekly contributor to the Lykken on Lending show since its beginning in April 2009 and has made her weekly contributions to 450+ episodes!

Alice Alvey explores the current legislative gridlock in housing policy, challenges with realtor-lender agreements, and the shifting dynamics within the real estate and lending industries.----------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training at Union Home MortgageShe handles development of their World Class Training program designed to support UHM partners and organizational effectiveness.Prior to UHM, Alice served as Senior Vice President at Indecomm leading the Indecomm-Mortgage U division, Internal QA and Compliance and SaaS technologies. Indecomm acquired Mortgage U in 2013, where Alice was President/Co-founder, providing training and consulting since 1996. Prior to MU she served as SVP of Operations at a national bank overseeing operations for wholesale, retail and correspondent from underwriting through servicing, and compliance.She has been in the trenches of mortgage lending operations from application through servicing for over 30 years. Her authoring work in training content, policies and procedures and the FHA/VA Practical guides illustrates her ability to bridge regulatory requirements with day-to-day operations.Alice has been a weekly contributor to the Lykken on Lending show since its beginning in April 2009 and has made her weekly contributions to 450+ episodes!