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HP2-B144 - HP Managed Print Specialist Select - BrainDump Information

Vendor Name : HP
Exam Code : HP2-B144
Exam Name : HP Managed Print Specialist Select
Questions and Answers : 30 Q & A
Updated On : October 22, 2018
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HP2-B144 exam Dumps Source : HP Managed Print Specialist Select

Test Code : HP2-B144
Test Name : HP Managed Print Specialist Select
Vendor Name : HP
Q&A : 30 Real Questions

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HP HP Managed Print Specialist

HP boss opens up on Apogee buy | killexams.com Real Questions and Pass4sure dumps

HP’s CEO has described purchasing print expert Apogee as a protective circulation to make certain that the enterprise became now not snapped up via any of its competitors.

Apogee become got at the beginning of August in a circulation designed to give HP a less assailable presence in the A3 market.

The deal was valued at £380m with Apogee having itself increased via acquisition over the last 4 years to turn into one of Europe's largest provider of print managed capabilities and document administration technology.

speaking at Canalys Channels forum in Barcelona Dion Weisler talked about that some of the contracts within the A3 market lasted for years and to have neglected out on Apogee would have locked it out of those debts for a long time.

“We got here across Apogee which turned into on the market. It became simply operated by a PE company and turned into available on the market. They have been a very good business,” he spoke of.

“We looked at it and observed if we don’t purchase them one of our rivals will. during this business you are speakme about machines in the container and a contract it three, five or seven years in length. we'd be yielding that computer in container inhabitants for a really long time,” introduced the HP boss.

“So, as a good deal as a protective circulate we acquired Apogee to support us gain knowledge of and develop and to speed up our scales [in at market] greater directly,” he mentioned.

HP has made no secret of its ambition to grow in the A3 space and has valued the possibility at round $5bn.

dealing with the suggestion that the enterprise would be handled in a different way since it became under HP possession Weisler noted that it was being treated the equal as every other associate.

“They get the identical terms and stipulations as our massive companions around the HP universe, no particular medication. they have their personal unbiased board, with an impartial director on it,” he introduced.

He referred to that partners would find that the commitment to push business through the channel would no longer shrink and 87% presently went by way of resellers.


HP publicizes New Print Consulting capabilities and solutions | killexams.com Real Questions and Pass4sure dumps

safety and business knowledge assist agencies profit flexibility and scale

PALO ALTO, Calif., Oct. 11, 2018 (GLOBE NEWSWIRE) -- nowadays, HP Inc. unveiled a variety of new capabilities and options to assist groups profit greater flexibility and scale. The safety know-how and enterprise advantage includes a magnificent new HP FutureSmart firmware unencumber for HP enterprise-type printers and MFPs, Immersive Analytics carrier and the mixing with each McAfee safety assistance and adventure management (SIEM) and Microsoft equipment core Configuration manager (SCCM) – an business first for print gadgets.

“Empowering shoppers to take full manage of their work atmosphere is principal to our workplace reinvention strategy,” spoke of Tuan Tran, typical manager of the office Printing options enterprise at HP. “The features and solutions unveiled today give a step forward in seamless intelligence and business-main safety solutions.”

The services and solutions unveiled today build on HP’s workplace printing momentum and develop into purchasable within the coming weeks.

  • HP FutureSmart four Firmware: This new version of firmware for HP enterprise-type printers and MFPs can provide productivity with a cleaner and greater intuitive interface for users. The replace aspects new capabilities, together with Serverless Job Accounting that allows for printers to record analytics without requiring a central server and empowering choose print settings to be mirrored by the use of USB to new printers – vastly dashing setup.

    HP FutureSmart 4 will ship with new HP instruments including the HP PageWide color 755dn, PageWide colour MFP 774dn and dns, and PageWide color MFP 779dn and dns.  purchasers that own HP contraptions with HP FutureSmart firmware as far back as 2012 models may also be upgraded to the brand new HP FutureSmart four edition.1

  • Microsoft SCCM integration: Strengthening HP’s industry-leading safety arsenal, HP is the primary print OEM providing integration with Microsoft SCCM. This integration allows for IT management to use one tool to configure printer security in live performance with all other SCCM-connected gadgets on the community.
  • McAfee SIEM integration: To extend chance monitoring, HP has also accomplished certified integration with the SIEM device McAfee commercial enterprise security manager. McAfee SIEM provides actionable intelligence to prioritize, examine and reply to competencies malware attacks on HP printers.
  • Immersive Analytics service: Leveraging HP Labs’ advances in visualization and analytics, this new part of HP’s enterprise Intelligence functions offers valued clientele with a more immersive view of the key driving factors in their print ambiance. through this in-depth engagement, HP consultants can assist shoppers directly pinpoint behaviors to accelerate digitization, effectivity positive aspects and chance discount.
  • purchasers rely upon HP

    As groups’ wants develop more and more complicated, HP continues to advance comfortable, adaptable expertise. HP’s customers—including significant corporations, govt entities and small enterprise — share their successes.

    Take the Franciscan Missionaries of Our girl health gadget (FMOLHS), which operates probably the most greatest fitness care systems in the state of Louisiana. They turned to HP for a print platform to complement an upgraded electronic scientific information answer. HP Managed Print services helped FMOLHS reduce charges via more than 30%, greater printing reliability for IT and healthcare group of workers, and delivered comfy purchasable printing solutions.

    all the way through a six-week rollout of greater than 1,800 instruments and HP utility options for better management, safety and entry manage, FMOLHS turned into able to can charge-effectively expand for the future.

    “altering out your digital scientific statistics is a 20-year decision, and never whatever thing we do lightly since it interrupts the complete health facility earnings move for months if now not a yr,” says Frank Sewell, Director of IS resource management & Compliance at FMOLHS. “We made an extended-term choice to undertake a brand new EMR, and we desired to treat printing as a long-time period collaboration with a proven success in healthcare. That’s why we engaged HP for a seven-yr contract.”

    CTI foods, a food manufacturer in Idaho, became to HP to standardize print policies and supply easy printing at its manufacturing amenities during the U.S. With salespeople who frequently work remotely, CTI vital to equip them with authentic and at ease printing 24 hours a day. HP now offers the enterprise with a portfolio of instruments for each and every situation, from domestic office to manufacturing plant, with HP LaserJet and HP PageWide MFPs.

    About HPHP Inc. creates know-how that makes lifestyles better for everyone, in every single place. through our portfolio of printers, PCs, cellular devices, solutions and capabilities, we engineer experiences that amaze. more suggestions about HP Inc. is accessible at http://www.hp.com.

    1 HP FS4 fleet aid excludes 4-line shows and 1st generation FutureSmart products, together with M712 SFP, M750 SFP, M601/602/603 SFP, M551 SFP, M506 SFP 4-line monitor, M552/553 SFP four-line reveal, M604/605/606 SFP four-line screen, CM4540 MFP, CP5525 SFP, M4555 MFP, 8500 Scanjet and 7000n Scanjet

    ©Copyright 2018 HP building enterprise, L.P. The information contained herein is field to trade with out notice. The simplest warranties for HP products and features are set forth in the specific assurance statements accompanying such items and services. Nothing herein should still be construed as constituting an extra guarantee. HP shall not be chargeable for technical or editorial error or omissions contained herein.


    HP Unveils New Digital Print Capabilities to power New ranges of Profitability, quality, Creativity, and Automation | killexams.com Real Questions and Pass4sure dumps

    Monday, October 01, 2018

    Press unencumber from the issuing company

    At PRINT 18, HP debuts new technologies helping shoppers print larger cost and higher fine commercial functions to develop and seriously change their company

    HP news Highlights at PRINT 18:

  • HP Indigo 12000 HD reinvents first-rate with new HD imaging and HDFM screening presents new sharpness for functions with highly designated photos.
  • HP Indigo 7900 improvements vigour any print job and for a primary in the U.S., printing HP ElectroInk Silver for steel outcomes.HP SmartStream Collage takes automated variable imaging design to the subsequent degree.
  • AgX Conversion helps HP Indigo’s valued clientele digitalize their construction floor and build their business for the longer term.New digital productivity options enabling print carrier providers (PSP) to put into effect industry 4.0 print construction and print lots of jobs a day:
  • HP PrintOS developments designed to open new markets while increasing, effectivity, and productiveness via automation.
  • more suitable on-press automated Alert Agent for real-time print exceptional error detection
  • Chicago, ill. – HP Inc. at PRINT 18 will display its newest innovations spanning the HP pics portfolio designed to create new enterprise alternatives for print carrier suppliers (PSP). HP Indigo continues to drive new improvements to vigour trade 4.0 helping PSPs radically change and grow.

    “PSPs want new the right way to grow and expand their business to maintain pace with the ever-altering market landscape to convey have an impact on and unforgettable exceptional with high-value items,” pointed out Dave Prezzano, vice president and regular supervisor, pics options business, Americas, HP Inc. “HP designed its newest innovations to help PSPs release new opportunities to ignite their business to outshine competitors, respond quicker and enhance business profitability. The newest innovations showcased at Print 18 exemplify how HP continues to reinvent print satisfactory, force improved value of print, and cut back order turnaround instances to accelerate company increase by way of enabling PSPs to print anything.”

    HP at PRINT 18At Print 18 at sales space #2411, from Sept. 30 – Oct. 2, HP is demonstrating and showcasing the #wonderofprint and its staggering percentages with the next generation of improvements and options which are remodeling agencies everywhere the realm.

  • Attendees will see know-how in motion tools and find out how to print the rest, differentiate their service and product choices, transform and develop their company with HP Indigo’s pleasing Liquid Electrophotography (LEP) Digital technology and end-to-conclusion solutions, reinvent quality with new HP Indigo HD Imaging system and HDFM reveal on the HP Indigo 12000 HD Digital Press, verified for the primary time in the U.S., experience the latest improvements on the HP Indigo 7900 including: ElectroInk Silver, invisible ElectroInks, and top class white for business applications, and force automation and optimization with new HP PrintOS features and applications.
  • Attendees will experience the know-how that makes it possible for them to “Say yes” to any print job with the HP Latex R2000 Plus Printer. See the first Latex hybrid printer, debuting for the first time in the Americas, and its awesome, shiny colors on rigid and flexible substrates.
  • HP will also display its HP PageWide internet Presses for attendees to gain knowledge of more about the efficiency HDK mode, a brand new optimization expertise for high Definition Nozzle structure (HDNA) printing. Now accessible for the HP PageWide net T240 HD, it presents top of the line-in-category nice in color or mono at full press pace of 500 ft per minute offering more splendid digital pages that can be economically produced on inkjet for publishing, unsolicited mail, and business print.
  • HP uniqueness Printing techniques (SPS) will display a new eleven.7” extensive print head color print engine to open OEM opportunities to create on-demand forte packaging and envelope solutions. The HP OEM fastened Imager one thousand, allows handy in-plant or PSP printing on a wide range of purposes, together with gift and looking baggage, personalised gift boxes, delivery packaging, cartons, and envelopes. The FI-one thousand is the business’s widest single printhead width for tabletop inkjet applications1.
  • PRINT 18 visitors may have the entertaining experience to engage with influencers that have leveraged HP technology to radically change their business and further explore the #wonderofprint.

  • PRINT 18 keynote speaker Seth Godin, an international-popular entrepreneur and most efficient-selling writer, will host a e-book signing in HP’s sales space on Sunday, Sept. 30 at 10 a.m. Attendees can get a signed e-book printed on HP PageWide T240 HD Press and gain knowledge of concerning the know-how it truly is reworking the publishing business.
  • discover the #wonderofprint through the eyes of Dian Holton who created her every day Digits “7” sequence with HP Indigo. She can be in HP’s booth both Sept. 30 and Oct. 1 to share her journey with using HP’s Florescent and IndiChrome ElectroInks. Attendees may have the entertaining event of speaking together with her and seeing how her designs were created with an interactive demo using HP SmartStream Mosaic know-how.
  • Hear from ideal Communications on Sept. 30 and Oct. 1 in the HP sales space on how HP Indigo’s reducing-facet inks and exciting know-how enabled the business to develop their business with loyal consumers and entice new company opportunities.be a part of the HP crew on Oct. 1 at 12:00 p.m. to celebrate the 10th anniversary of HP PageWide Inkjet.
  • HP will be part of Printverse panels focused on industry developments and topics. visit right here for an in depth time table.
  • With the brand new HP Indigo 12000 HD, HP Continues to Reinvent high-quality

    Debuting new HP Indigo 12000 HD capabilities at show, with double the resolution, setting up a new benchmark for high exceptional imaging.

    At PRINT 18, HP will display:

  • HP Indigo HDFM screening expertise: HP Indigo HDFM mode locations ink dots in random-like distribution, increasing the accuracy of ink dot placement and doing away with the look of rosette patterns and moiré. The outcomes is extended sharpness in incredibly detailed photos and halftone textual content functions. Any HP Indigo 12000 HD can benefit from this new HDFM print mode, notably for skilled and marriage ceremony images, and any excessive-end business application with graphical text, similar to brochures, posters, invites and more.
  • refined company insurance policy solutions: New HP Indigo ElectroInks UV Yellow and Blue, and other options for anti-counterfeiting, music and hint, in addition to system handle could be showcased for the first time within the U.S.
  • New Press utility 3.5: greater productive, more handle over color, stronger computerized Alert Agent with computerized reprint and recovery the use of state-of-the-art deep laptop researching.
  • “RRD is committed to main the way in print expertise innovation and always assembly the dynamic wants of our purchasers,” pointed out Craig Roberton, group vice president of industrial Print at RRD. “The HP Indigo 12000 HD Digital Press’ slicing-facet expertise substantially broadens the creative chances for our customers to successfully produce step forward print communications at scale that strengthen the have an effect on of their company messaging.”

    HP Indigo 7900 most up-to-date InnovationsDebuting quite a number new aspects, HP Indigo 7900 Digital Press continues to present PSPs new innovations to aid improve productiveness, versality, and pleasant to be empowered to print the rest.

    New capabilities consist of:

  • HP Indigo ElectroInk Silver: soon to be released for the HP Indigo 7x00 platform, this new ink in aggregate with usual procedure colours can generate a wide gamut of mid-to-high brilliance steel colorations, combining steel effects with digital capabilities in a single printing process. the brand new ink is decided to expand the software capabilities enabled via HP Indigo’s technology and opening new commercial opportunities.
  • premium White Ink: providing the widest range of opacities in a single print method, top rate White Ink provides have an effect on and helps industrial applications stand out from the rest and increases productivity by using less warmth to get opacity.
  • HP Indigo ElectroInk Invisible Yellow and Blue: These two clear inks are best visible under a UV light, delivering high performance for high cost unique functions, protection and technique manage purposes. This allows HP business purchasers to present top class and pleasing security elements for static and serialized products including adventure ticketing, packaging, gaming and different applications.
  • New HP Indigo 7900 enhancements with Press utility version 15.2:
  • One shot Duplex: permits printing duplex in one flow on synthetic media with excellent registration, opening a plethora of recent high price application supplying multiplied profitability and extra functions.
  • better EPM monitors: expand the purposes that may leverage this interesting HP Indigo more advantageous productiveness mode to produce wonderful pleasant the use of handiest CMY inks for quicker print speeds at lessen expenses.
  • further enhancements encompass: points in consumer Interface, automatic Alert agents with deep computing device studying, and 3D colour calibration raises colour consistency and reduces calibration time.
  • a new Design Twist with HP SmartStream CollageHP SmartStream Collage, is an automatic, enjoyable variable design for HP Indigo printing. Following the big success of HP SmartStream Mosaic, HP SmartStream Collage automatically generates interesting designs with the aid of manipulating picture design facets randomly for unlimited manufacturer have an impact on using trademarks and symbols, growing absolutely entertaining packaging affect for each and every kit.

    top class picture QualityAttendees will gain knowledge of extra in regards to the versatile AgX conversion sheetfed and internet-based options by means of experiencing the advantages of converting consumer and skilled pictures from Silver Halide to HP Indigo.

    merits of HP’s Indigo’s Silver Halide substitute picture answer encompass:

  • flexible latitude of options and partner workflow- big selection of functions, media and finishing options. Sheetfed on the HP Indigo 12000 HD, HP Indigo 7900 or roll fed HP Indigo WS6800p.
  • excessive productiveness- providing up to 35,000 cut photographs/hour (10cm x 15cm) in true image nice.
  • ambiance- silver-free know-how, CO2 impartial press manufacturing process, consumables recycling application
  • New improved and more desirable HP PrintOS PlatformWith over 7000 PSPs and 17,000 registered users globally HP PrintOS is the comfortable, the trade-main cloud platform with web and cellular apps connected to HP presses and printers. PrintOS enables PSPs to manipulate and control their print operation from anywhere at any time. the brand new PrintOS marketplace is poised to revolutionize how PSPS purchase and use prepress and workflow utility with new apps that raise automation and output with extra insight into press efficiency for their HP Indigo, HP Latex, HP Scitex, HP DesignJet, and HP PageWide web Presses.

    HP PrintOS Enhancements for HP Indigo Presses:

  • HP PrintOS market: Is a disruptive and groundbreaking cloud-primarily based options community to enable on-demand subscription to a wide selection of cost-add workflow apps and licenses, plus a group of ideas, capabilities, and greater, from HP and any third birthday party dealer. HP will characteristic a number of HP and third-celebration products in this debut of the PrintOS industry with the purpose of getting eighty-one hundred choices on the PrintOS market by means of Drupa 2020.
  • PrintOS OEE: An application designed to empower PSPs to make use of the business normal usual device Effectiveness (OEE) methodology to gain insights into HP Indigo press efficiency. PrintOS OEE helps clients in the reduction of additional time and labor costs and boost press output.colour Beat: a brand new characteristic that completely automates colour conformance tactics for the HP Indigo 10000 and 12000 digital press, reinvents how colour control is managed. slicing colour control time from up to an hour all the way down to as little as two minutes, HP color Beat empowers PSPs to make colour a real aggressive skills by means of enabling on-press continuous color improvements to enhance operational efficiencies, and obtain colour consistency job-to-job, across presses, and across websites comfortably and reliably.
  • EPM Preflight: using the HP Indigo EPM printing mode raises press productivity via up to 33 percent, and reduces expenses compared to common CMYK printing2. the brand new PrintOS EPM Preflight function replaces manual file analysis and offers a simple strategy to check better productivity Mode (EPM) compatibility of PDF data submitted to HP PrintOS field. within seconds, it offers a go, no-go resolution concerning EPM compatibility of every job.
  • AutoFlow: Now obtainable in the HP PrintOS market, AutoFlow is a wise, rule-based mostly, scalable pre-press automation answer from OneFlow methods. It automates repetitive moves together with artwork fetching, checking, fixups and web page manipulations, all this with zero capital funding and no IT trouble.
  • PACKZalyzer: Designed for labels and packaging, HP PrintOS clients can be capable of leverage Hybrid application’s PACKZalyzer to instantly realize and correct common print file concerns reminiscent of barcode validation, white overprint, minimal hyperlink thickness, font dimension and greater.
  • PrintOS advantage Zone: a brand new HP PrintOS capacity for HP PageWide web Presses provides easy entry to the latest technical assistance and tips and hints for continual gaining knowledge of.
  • New service SolutionsHP Predictive Press Care carrier helps increase up-time and productiveness by alerting purchasers on failures earlier than they happen according to real-time streaming. The cloud-based service may be established on the conference which is built on a computing device studying infrastructure enabling valued clientele to manage their presses preservation time.

    To submit a remark Log In or develop into a Member, doing so is standard and free

     




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    5 Large-Cap Tech Stocks to Add to Your Portfolio Right Now | killexams.com real questions and Pass4sure dumps

    Technology has been one of the most lucrative sectors for investors, year to date. The Technology Select Sector SPDR ETF (“XLK”) has registered a gain of 12.8% year to date.

    Notably, the tech-laden NASDAQ Composite (IXIC) has also rallied 10.6%, so far this year.

    Nice Recovery from Early Jitters

    The incidents like Uber self-driving car accident, Facebook FB Cambridge Analytica fiasco, escalating tensions around US-China trade war and Russia-Ukraine cyber security issues had kept the investors on tenterhooks, at the beginning of the year.

    However, the sector has recovered smoothly, highlighting its resilient nature. It is noteworthy that the sector is benefiting from increasing demand for cloud-based platforms, growing adoption of Artificial Intelligence (AI) solutions, Augmented/Virtual reality devices (AR/VR), autonomous cars, advanced driver assisted systems (ADAS) and Internet of Things (IoT) related software.

    Moreover, an improvement in global IT spending, as projected by Gartner, bodes well for the stocks. Further, President Donald Trump’s corporate tax cuts and repatriation policy have aided these companies to aggressively buyback shares and pursue strategic acquisitions.

    Making The Right Choice

    The aforementioned factors strengthen our view that this is the right time to invest in technology stocks. However, picking the right stocks is a difficult task.

    It is here that the Zacks Style Score System can come in handy. Moreover, we select stocks that have market cap greater than $6 billion.

    This is because investing in large-cap companies is always a safer bet, especially during economic downturns and stringent credit conditions.

    Back-tested results show that stocks with VGM Style Scores of A or B when combined with a Zacks Rank #1 (Strong Buy) or 2 (Buy) handily outperform other stocks. You can see the complete list of today’s Zacks #1 Rank stocks here.

    Key Picks

    Here, we pick five tech stocks that have the favourable combination:

    Micron Technology MU is well poised to gain from the DRAM boom which is here to stay, at least in the near term, as demand remains ahead of supply. Courtesy to rising demand for digital memory — due to new applications like IoT and AI — Micron has emerged as a popular tech pick.

    Micron has beaten the Zacks Consensus Estimate in the preceding four quarters with an average positive surprise of 8%. The company is witnessing impressive northbound estimate revisions — up 54 cents to $11.53 per share for the current year in the last 30 days.

    The company’s earnings and revenues are expected to surge by 132.5% and 45.7%, respectively, this fiscal year.

    Micron sports a Zacks Rank #1. Shares have returned 44.5% year to date.

    Western Digital Corporation WDC is benefiting from the robust demand of high capacity enterprise hard drives and flash-based products.

    Moreover, increase in the capacity of smartphones is likely to support the higher rate of exabyte consumption in rest of 2018, which is a positive.

    Western Digital has outpaced the Zacks Consensus Estimate in the trailing four quarters with an average positive surprise of 6.2%. The company is witnessing northbound estimate revisions — up 1 cent to $14.65 per share for the current year in the last 30 days.

    The company’s earnings and revenues are expected to surge by 59.4% and 7.8%, respectively, this fiscal year.

    Western Digital flaunts a Zacks Rank #1. Shares have returned 8.6% year to date.

    Seagate Technology STX is driven by robust adoption and strong demand of company’s storage drives. Growing traction for mass storage solutions across the company’s edge and enterprise markets is a tailwind.

    Further, hints of PC market stabilization as reflected in the latest reports from Gartner and IDC bodes well for Seagate. The company’s Nearline rapid adoption is likely to bolster Seagate’s competitive position.

    Seagate has surpassed the Zacks Consensus Estimate in the preceding three quarters with an average positive surprise of 8.2%. The company is witnessing northbound estimate revisions — up 5 cents to $5.34 per share for the current year in the last 30 days.

    The company’s earnings and revenue are expected to surge by 29.6% and 2.4%, respectively, this fiscal year.

    Seagate sports a Zacks Rank #1. Shares have returned 42.9% year to date.

    MKS Instruments Inc. MKSI benefits from elevated semiconductor and other advanced markets' demand. Additionally, the acquisition of Newport Corporation and superior customer relationships remain key drivers.

    MKS has beaten the Zacks Consensus Estimate in three of the trailing four quarters registering an average positive surprise of 4.1%. The company is witnessing northbound estimate revisions — up 4 cents to $8.42 per share for the current year in the last 30 days.

    The company’s earnings and revenue are expected to surge by 41.3% and 15.6%, respectively, this fiscal year.

    MKS has a Zacks Rank #2. Shares have returned 24.8% year to date.

    HP Inc. HPQ continues to focus on product innovation & differentiation, pricing, and marketing and sales activities. It has aided the company to trigger demand for its PC and Printing products in the market. Recently-acquired Samsung’s printing (S-Print) business has added support to the company gain market share in the $55-billion high-end copy-machine market.

    HP has beaten the Zacks Consensus Estimate in two of the preceding four quarters with an average positive surprise of 4.2%. The company is witnessing northbound estimate revisions — up 2 cents to $2 per share for the current year in the last seven days.

    The company’s earnings and revenue are expected to surge by 21.2% and 10.5%, respectively, this fiscal year.

    HP carries a Zacks Rank #2. Shares have returned 12.1% year to date.

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    HP TouchPad Needs 6 to 8 Weeks for Additional Shipments | killexams.com real questions and Pass4sure dumps

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    SoFi's Capital Raise; A Glance at Millennials; UK Parents Lend More Than Most Banks! | killexams.com real questions and Pass4sure dumps

    SoFi's Capital Raise; A Glance at Millennials; UK Parents Lend More Than Most Banks!

    Change is all around us. The Wall Street Journal reports that the CFPB plans to bring the largest online lending platforms under its supervision by 2017. In the primary markets LendingClub said it expects loan losses on its loans will increase and it is raising interest rates on some loans based on changing credit risk. Avant said its online loan origination declined 27% in Q1 vs. Q4. And Bank of America is now offering customers the ability to check their credit score through the bank’s website, supposedly through a link with TransUnion. (BofA, by the way, says it settled another lawsuit -this time with FHLB of Seattle - for $190 million.)

    How about this news out of England? The average amount being lent or gifted by parents, multiplied by 300,000 adult children a year receiving assistance for a house purchase, is enough to put the "Bank of Mum and Dad" at the equivalent of a top 10 UK mortgage lender!

    I travel around the country meeting plenty of people age 19-35 (the definition of "Millennial" per the Census Bureau). It's not hard to do, given that they outnumber Baby Boomers. Plenty of them are hard-working adults who stretched while at school to afford an education, and now have student debt. A fair number of them came out of college to find no jobs during our credit crisis, and took part time or hourly jobs in spite of fine degrees. And a fair number of them are looking at the housing market thinking, "I don't know where I am going to be working in five years, so how about I skip the entry level house, save for a nicer house where I am going to stay put for a while, and I'll buy something later. But I sure don't want a 90-minute commute twice a day in and out of a city..." Give them some time.

    Speaking of student loans, as well as mortgages, The Financial Times reports that "online lending group SoFi is offering institutional investors slices of its equity in exchange for commitments to buy loans, as it tries to lock down secure sources of funds. The new equity round, which could come close to the $1 billion SoFi raised in the biggest ever fintech fundraising last year, should give the fast-growing student-loans specialist more firepower to expand into mortgages, personal loans and wealth management products. But unlike the group's last round in September SoFi is now targeting insurers, pension funds and sovereign wealth funds in Europe and Asia, trying to tie them in to deeper, more strategic partnerships."

    Data show that very few millennials, people aged 18 to 34 (or is is 19-35?), know what their net worth is. A survey found that 73% of millennials don't know the value of what they own versus what they owe to others. Call me poorly informed, but I would venture a guess that a) plenty of them don't have a huge net worth suitable for tracking, and b) I am sure that sizeable portions of the Gen X gang and Baby Boomers don't know their net worth either.

    No, it wasn't enough to go to every one of their sports events, and save every one of their toys, and arrange their playdates instead of saying, "Just go ring their doorbell." No, now we must track them. Ellie Mae has unveiled its Ellie Mae Millennial Tracker - a new interactive online tool showing millennial loan trends in the United States. The "new interactive tool provides insight into the next generation of U.S. home-buyers based on Ellie Mae mortgage application data." Not included, of course, are all cash buyers and those using a lender that doesn't use Encompass. But the statistical sample should hold water. In this era of Big Data "Searches in the Ellie Mae Millennial Tracker can be tailored by borrower geography, age, gender, marital status, FICO score and amortization type."

    March highlights included "Women were listed as the primary borrower on 31 percent of closed loans...men were listed as the primary borrower on 66 percent of closed loans." Hang on, let me find my HP 12C to add those two numbers.

    An online tool, which will be refreshed with new data the first week of each month, the Ellie Mae Millennial Tracker provides access to up-to-date demographic data about this new generation of homebuyers. Searches can be tailored by borrower geography, age, gender, marital status, FICO score and amortization type. The Ellie Mae Millennial Tracker mines data from a robust sampling of approximately 66 percent of all closed mortgages dating back to 2014 that were initiated on Ellie Mae's Encompass all-in-one mortgage management solution. Given the size of this sample and Ellie Mae's market share, it is a strong proxy of millennial mortgage indicators across the country.

    "The mortgage industry is poised to experience a monumental shift as more millennial homebuyers begin to enter the market," said Joe Tyrrell, executive vice president of corporate strategy at Ellie Mae. "There are roughly 87 million would-be homebuyers in the millennial generation and 91 percent of them say they intend to own a home one day. Lenders must prepare today to meet their needs."

    To no one's surprise, "In March, the average primary FICO score for Conventional loans was 749 vs. 692 for FHA loans for those using Encompass. And since 2014, 37 percent of mortgages made to millennial homebuyers were FHA loans and took an average of 44 days to close, and 60% were conventional which took 43 days to close" for lenders using Encompass.

    Seriously, hats off to Ellie Mae for capturing data that is much more "real time" than, say, the S&P/Case Shiller home price index with its two-month lag.

    Changing gears to the day-to-day bond markets, rates went up slightly Monday despite weak U.S. data. Go figure. The headline construction spending data missed expectations (+.3%) but there were sizeable revisions to prior months. Revised data showed total construction spending increased 1.0% in February after it was previously reported to have declined 0.5%. The upshot of that positive revision was offset by a downward revision to January, which saw a 0.3% decline in total construction spending after a previously reported increase of 2.1%. And the Institute of Supply Management's Manufacturing Index fell to 50.8 in April from 51.8 in March.

    For scheduled news today in the U.S. there is none. We ended Monday with the 10-year sitting at a yield of 1.87% and in the very early going this morning it is down to 1.82% after an Australian central bank rate cut with agency MBS prices better by a solid .125. During the last three months, the yield on the 10-year hit a high on 3/11 of 1.98% and a low on 2/25 of 1.70% - very stable.

    Training and Events

    We've seen an abundance of job, training, and educational events - here's a new batch worth a gander.

    New Penn Financial will be hosting a job fair on May 5th from 11:00am - 4:00pm (PST) at the Newport Beach Marriott Hotel at 900 Newport Center Dr., Newport Beach, CA. The national lender, a Shellpoint Partners Company, will be looking for candidates with experience in the mortgage industry, and has over 100 job openings in the greater Orange County area. New Penn will be filling roles for Underwriters, Ops Leaders, Processors, Sales Managers, Loan Officers, and Closers. For more information, please contact Aubrie Cusumano. (For the Philadelphia area lender, this is one of several westward expansions in 2016. Earlier this year,New Penn opened branches in Salt Lake City and Las Vegas, and last year they opened an office in Pasadena. In addition to appearances on the Inc. 5000 Fastest Growing Private Companies list for four consecutive years, New Penn has been consistently recognized as a Top Mortgage Lender by Scotsman Guide and has appeared on Mortgage Executive Magazine's lists for Top Lenders and 50 Best Companies to Work For.)

    Todd Duncan's annual Sales Mastery Event was announced today. The event will be held in Palm Desert, California from Oct. 4-7, 2016. It's the longest running sales training event in the mortgage industry. Sales Mastery comes back this year with a fresh new look, website, and theme for the event: Focus. A completely new roster of speakers will be announced soon, that will include yours truly. Whether you've attended Sales Mastery before or not, you should check out their new direction. Click here for more info: www.salesmasteryevent.com

    Richey May & Co., the leading public accounting firm serving the mortgage industry, will be hosting their 7th annual Mortgage Banking Roundtable on June 8th in Denver, CO. The Roundtable is designed to facilitate peer-to-peer discussion among CEOs and presidents of independent mortgage banking companies from around the country on the most current topics and trends affecting the industry. This year's event consists of a panel discussion focused on cyber security and features Anthony Hsieh, founder and CEO of loanDepot, as the keynote speaker and Bethany McLean, author of Shaky Ground: The Strange Saga of the U.S. Mortgage Giants and contributing editor at Vanity Fair, as the lunch speaker. For more information and to register for the event, please contact Dustin Pfluger.

    All employees of Fairway Independent Mortgage, not just the sales professionals, are heading to AWI boot camps for the opportunity to hear Sean Parnell and Ben Lunak speak - but also the Boot Camp "experience" and witness several veteran initiatives, all of which help to explain the "WHY" of giving back to those to have served this nation to protect our freedom. Details can be found here: May 5 in Newark, Delaware  and May 6 in Rehoboth Beach, Delaware.

    MBA Education is providing Loan Officer focused webinars. Click a link for details on: Hiring Superior Originators May 4th being led by Pat Sherlock AND Close More Loans... Faster June 9th being taught by Deb Killian.

    Jobs and Announcements

    In job news Fannie & Freddie seller/servicer American Capital Corp (ACC) is gearing up to increase business in its Wholesale channel. The name has changed from ACBN to ACC Wholesale. ACC has been in business for over 22 years and is looking for Account Executives for the following areas: Seattle, Texas, San Diego, Pasadena/Santa Barbara. AEs have the ability to bring on Retail and Wholesale clients as well as originate themselves if they are licensed.  They have over 20 Correspondent Investors.  Please e-mail ACC@amcap.mortgage if you would like to be considered.

    Regency Mortgage Corp. a New Hampshire based independent mortgage banking company is seeking to acquire retail production teams, mortgage brokerage companies or other independent mortgage banking firms throughout New England and along the eastern seaboard, including Florida. Regency is a FNMA/FHLMC Seller-Servicer with a mature and very strong fulfillment operation, a highly innovative marketing and sales platform and a competitive LO comp. plan and pricing model. If you are a sales leader looking for that one company that will best support you and your team, allowing you to do what you do best, grow and expand your business, then you should be speaking with Regency Mortgage Corp. Take that first step to controlling your future today by calling Mark McCauley, VP of Loan Originations for a confidential discussion, 888.646.5626, ext. 473.

    American Financial Network (AFN) is once again expanding its geographic footprint and is searching for very select, top-tier mortgage professionals capable of rapidly progressing into a multi-branch Regional Management role. Branch opportunities are available in WA, AZ, CO, VA, NJ and PA. "Licensed across the country, our unique model and superior service offers unparalleled opportunity for growth. The ideal candidate is currently a mortgage broker or an existing retail branch manager, with monthly production of $3-5+M, and possesses strong recruiting and leadership skills. As a direct seller to FNMA, FHLMC and GNMA, we offer a comprehensive suite of agency products with virtually no overlays along with non-QM products through our delegated partners. To support your production, our divisional fulfillment center offers dedicated teams (processing thru funding) of experienced professionals that only work for you!  To maximize your earnings, managers have direct input into operating margins and MLO compensation.  Qualified candidates in search of benefiting from superior pricing, 100% branch credits and multi-branch overrides are encouraged to submit a letter of interest and/or resume to Gary Fioretti."



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