How to Start Urban Beekeeping – The Importance of Honey Bees

VeslemøyThe bee has always occupied a special place in man’s psyche. Young children learn the origins of babies with stories of “the birds and the bees,” while their industry is so respected that a person engaged in intense activity is “as busy as a bee.” “Spelling bees” and “quilting bees” are so named because a meeting of people working together resembles the scenes within a beehive. Closely guarded information is “none of your beeswax,” and the flappers of the 1920s popularized the “bee’s knees” to express the coolness of an object or activity.We have seen girls with “bee-stung lips,” and refer to irritated people as having a “bee in their bonnet.” And who hasn’t made a “beeline” for a special object?

As far as we know, bees have been around for about 125 million years. They are descendants of wasps, most of which are predator carnivores. Bees, however, switched from hunting prey to collecting pollen for food – a nice adaptation, since the food doesn’t fight back. Scientists have since classified nearly 20,000 species of bees, and they are found on every continent except Antarctica. They are the most efficient pollination agents in nature, a critical factor in the appearance of the world as we know it.

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Seizing Opportunities in the Mortgage Industry and the Missteps to Avoid

This article initially appeared in National Mortgage Professional.com on March 13, 2014.

From time to time, fundamental shifts occur in all markets, upending the traditional roles of industry players and besetting them with new opportunities and risks. These shifts may be the consequence of technology, government regulation, economic exuberance or deflation or a combination of factors. Whatever the cause, however, old ways of doing business are threatened and new industry leaders emerge. Now is one of those times in the mortgage banking and brokerage industries. Success as the playing field changes is not guaranteed. Strategic missteps can lead to loss, even liquidation. The rewards, however, may be great for those who see the future, move forcefully to implement a winning strategy, and consolidate their gains as they proceed.

The right time and opportunity

Following the 2008 implosion of the mortgage-backed security market and the subsequent international recession, housing prices dropped by almost a third, and the stock market as measured by the Dow Jones Industrial Average (DJIA) fell to 6,469 on March 6, 2009, less than half its previous value of 14,164 on Oct. 9, 2007. As a consequence, a number of investment and commercial banks failed (Lehman Brothers and Washington Mutual), some were forced into involuntary mergers (Bear Stearns and Merrill Lynch), and some were bailed out by the federal government (Goldman Sachs). Fannie Mae and Freddie Mac were placed into receivership while Congress initiated the Emergency Economic Stabilization Act of 2008 followed by the Dodd-Frank Wall Street Reform and Consumer Protection Act in 2010 to aggressively regulate mortgage and commercial bank activities.

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