8/30/2023 0 Comments Mortgage calculator pmi insuranceYour credit score: Just as it’ll play a huge role in determining the interest rate a lender will offer you, your credit score will also play a big influence in your PMI. For example, a 97% LTV indicates that you’re only putting down 3% of the purchase price, which means you’ll pay a fairly high PMI premium. The higher your LTV, the more money you’ll pay for PMI. Simply put, lenders appreciate seeing a borrower who can put more money down upfront because it’s less risky to them. Your loan-to-value (LTV) ratio: Commonly known simply as LTV, your initial loan-to-value ratio is based on your down payment. If you’re trying to get a sense of how much you may wind up paying for PMI, it’s important to understand these three key factors. An example of PMIĬonsider this hypothetical breakdown from Freddie Mac’s PMI calculator, based on a home valued at $350,000 with a 30-year mortgage at 7% interest: So, if you borrow $300,000, your PMI might add somewhere between $90 to $210 to your monthly payment. Freddie Mac, for example, estimates that the typical borrower should expect to budget somewhere between $30 and $70 per month per $100,000. The cost of private mortgage insurance varies, but there’s a simple rule: The less money you put down, the more you’ll pay in PMI premiums. If, for example, your home is valued at $400,000, and the outstanding balance on your mortgage principal hits $312,000 - meaning you’ve paid $88,000 of your principal - then you no longer have to pay PMI. It’s not because they’re nice, rather because it’s required by the Homeowners Protection Act. Lenders will stop charging PMI premiums once you’ve accumulated 22% of equity in your home. It’s another way for the lender to protect itself against the worst-case scenario of default on the loan.ĭon’t worry, you don’t have to pay PMI forever. Why would the lender need insurance? Because there’s a chance that you won’t be able to pay back the loan, and if you’re making a relatively small down payment of anything less than 20% of the purchase price then you represent a greater risk on the lender’s books. PMI stands for private mortgage insurance, and this is a type of insurance that protects the lender that’s helping you come up with the cash to buy a home.
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I color corrected my under eyes using BECCA Under Eye Brightening Corrector ($32 at Ulta) in the shade Light to Medium. I bronzed my face using Juvia’s Place Shade Stick Foundation ($8 on their website) in the shade Guinea (dark skin with neutral cool undertones). For foundation today I used Il Makiage Woke Up Like This Foundation ($44 on their website) in the shade #040. I contoured my face using NYX Wonder Stick ($12 at Ulta) in Deep. I used a touch of the Physicians Formula Spotlight Illuminating Primer ($15.99 on their website) on the high points of my face and I used the Tarte Timeless Smoothing Primer ($39 at Ulta) on my pores. I primed my face using Milani Prime Perfection Primer ($9.99 at Ulta). Time to dive into the walk through of today’s Face of the Day …. Rounding the Scent Out: Amber, Musk, Cedar and Sandalwood. In the Middle: Cyclamen, Lilac, Orchid, Jasmine, and Heliotrope. The scent notes are… At the Top: Marigold, Passion Flower, Rose, Gardenia, Lily, and Osmanthus (devil wood). Today’s scent is Giorgio Beverly Hills Wings perfume. It’s not my favorite look I feel like I look over all a bit too bronzed and I should have added a bit more color to the cheeks and lips … all in all though it’s a nice fall time look. I was feeling fall time weather so I decided to do a fall time smokey eye using the ColourPop Bare Necessities Palette ($34 on their website). The weather here in Florida is crappy and that of course is causing me a heap of pain and it’s also hair wash day so my energy is extremely low now (Forgive the poofy hair… freshly washed curly hair on a rainy day never equals a good hair day). I will update monthly on this project since I want to roll out eyeshadow palettes and roll new ones in.Hey doll hey! How’s your day/night going? Great I hope. I am finishing up a bronzer and contour in my 22 in 2022 project but I am so close to being finished on those so I think a different face palette will be great to use over the summer months. Here’s the current photos on these two items. This will kind of coincide with a personal and not blogged about project I’ve been working on in my makeup stash. Then I can roll it out and then roll in a different older palette in my collection to do the same. For this goal, I am going to say use it until I’ve worked through each shadow at least once and keep tally. As you can see I’ve got so much use out of it! And I truly still love it, it’s a fantastic palette.
Kontakt Factory Selection (Native Instruments) You can also learn how to install third-party Kontakt libraries and how to get a Kontakt crossgrade.
8/30/2023 0 Comments Quotbe focused proLow out of pocket expense: At Petplan, we are known for our low excess coverage by our clients.Peace of mind: No more worrying about vet bills – if your pet is in an accident or needs to be seen – you know that we have you covered.Ongoing cover for your pet’s lifetime: Unless coverage is broken at some stage, we offer lifetime insurance for pets.Affordable pet health cover: We believe that all our customers deserve to be able to afford to insure their pets and that is why we keep our prices as affordable as possible.What are the benefits of insuring your pets with Petplan? You won’t see us advertising as the best car or household insurance in Australia, and that’s simply because we specialise in giving our customers the best pet insurance in Australia. That’s why at Petplan we believe that our insurance should cover pets, and only pets. When it comes to your pet, you certainly don’t want to skimp on getting the best insurance that you possibly can. Why Choose Petplan for Your Pet Insurance? Both of them are extremely involved in the dog showing community and this, along with their undying love for pets, made them the perfect match to get Petplan Australasia up and running. In 2004, Doug and Gwen Ford bought the naming rights and began setting up Petplan in Australia and New Zealand. Our story begins way back in 1976 in the United Kingdom, and we are now the biggest and most experienced pet insurance company in the world. At Petplan, we are committed to keeping our clients’ pets healthy and their owners happy. You will be able to seek veterinary care for your beloved pet without worrying about incurring costs you can’t afford. Unfortunately, veterinary bills can stop many people from getting a fur ball for their family, and in many cases, when families can’t afford the bills for their pet – they end up resorting to drastic measures.īy insuring your pet with Petplan, you are covering the cost of what could be upwards of thousands of dollars of unexpected vet bills. Whether you're looking for cat insurance, dog insurance or even horse insurance. That is why at Petplan we want to provide the best pet insurance in the country for your special pet. ** Sync with Mac requires Be Focused Pro for macOS, sold separately.Pets are more than simple additions to our family they are integral parts of the intimate connection that makes our house a home. * Integration with Focus Matrix requires the Pro version of Focus Matrix, sold separately. Syncs between iPad, iPhone, Apple Watch and Mac** Integration with Focus Matrix to manage tasks using Eisenhower's urgent/important principle* One universal app for iPhone, iPad and Apple Watch Widgets for Lock Screen and Home Screen Live activities for Lock Screen and Dynamic Island Alarms sound even if the app is in the background Ability to adjust alarm and chronometer volumes Customizable frequency of the chronometer sound Ability to paste a task list from other apps Customize reports for fast and easy goal tracking Estimate the number of intervals required to complete a task and track the estimation error Use filters by tags and due dates to keep focussed on the most important tasks Specify different timer settings for different tasks
8/30/2023 0 Comments Pixelmator pro 1.5 crackedRenewed the Hue and Saturation, Replace Color and Colorize palettes. New features include click-and-drag for adjusting the tolerance of the Magic Wand, Paint bucket and the new Magic Eraser tool on the fly. More stability and improvements for working with large images. Includes some often requested features, like the Curve tool, Polygonal, Lasso Tool, Rulers, Guides and the ability to display an alignment grid. A closed beta was earlier released on August 16, 2007. Pixelmator 1.0 was released at a price of $59 (US). Version history Pixelmator for Mac Version Compatibility with MacOS Catalina, including support for Sidecar (a dual-screen tool for iPad users) and Apple Pencil as of version 1.5 (released October 10, 2019).Support for Mac OS X Lion features such as versions, auto save, and full screen mode.macOS ColorSync and ColorSync profiles are supported.Quick file conversion can be done with the help of Automator actions.Pictures can be taken with a FaceTime camera from within the app.Integrates with macOS and applications such as Photos and Aperture.16 color correction tools and over 50 filters.Over 40 tools for selecting, cropping, painting, retouching, typing, measuring and navigation.Photoshop images with layers are supported as well as other popular still image file formats.Uses technologies like Core Image and Automator.With a wide range of professional-grade, nondestructive image editing tools, lets you bring out the best in your photos, create gorgeous compositions and designs, draw, paint, apply stunning effects, design beautiful text, and edit images in just about any way you can imagine. Pixelmator Pro is an incredibly powerful, beautiful, and easy to use image editor designed exclusively for Mac. Pixelmator Pro 1.2 can be downloaded from the App Store for $29.99, a 50 percent discount off of the. SVG fonts are also supported in Pixelmator Pro 1.2, and several bug fixes have been included. Note: Depending on your settings, you might need to enter your administrator password first and then click Yes.ģ. When the User Account Control (UAC) window appears, you click Yes. Enter cmd in the Windows search bar or Cortana, then right-click on Command Prompt and choose Run as administrator.Ģ.Right-click on the start menu button and then click on Command Prompt (Admin).
8/30/2023 0 Comments Paradise lost showIf you think it is slow at the beginning, keep going because the last few episodes make it impossible to press pause. She is the local legend with tales of her supernatural powers, which we see through flashbacks. Paradise Lost was the best series I ever watched. I hope too see this show come back on for season 2. Loved this show Please bring it back CRS at 12:43 am. The greatest mystery surrounds Yates' dead sister Janus. I hope the rumors about Paradise Lost not returning are not true. The Amazons bless the girls, making them honorary Amazons, before sending. ON AIR HOMIES ON THE BEACH, a new weekly radio show live from hotelgarbiibiza at playa Den Bossa with Camilo Miranda, Luca Averna y Christian Len Today. If you have access, Paradise Lost is worth watching. This process is accomplished by the goddess Thetis, who brings baby girls who are lost at sea to Themyscira for healing. There are references to classic works of art: Paradise Lost (John Milton's epic poem) and Ophelia (John Everett Millais' painting). Each actor embodies the character he or she is playing so you believe. The characters are well constructed - many bigger than life - yet like the rest of us, no one is entirely good or bad. Along with Francis, I want answers to the questions she forms about the town and her husband. She equally dislikes deep southern traditions. and visions provided by the Archangel Michael that show Adam what happens in. Francis discovers secret-after-secret piling up and uncovering mysteries while much of the town dislikes her forward-thinking ways. Paradise Lost is John Miltons sprawling epic poem which explores the Fall. The manor is situated on vast property with green grounds and trees dripping with moss. They join Yates' parents, "the Judge" (Nick Nolte) and "Byrd" (Barbara Hersey). The series begins with Yates and Francis Forsythe adapting from their yuppie life in California to Yates' childhood home - a sprawling estate in smalltown Mississippi. 8/30/2023 0 Comments Hai moshi moshIt is important to remain respectful to all and show appreciation to those where it is due. It makes sense that a culture that is rooted so much in respect and appreciation have so many greetings to differentiate between professional and personal relationships. There is a strong emphasis on identifying who is on the phone and the company you are representing to ensure there are no mix ups, and making sure the conversation goes as smoothly as possible. Alternative greetings that could be used are “Yes, or Hello”, “thank you for your call”, “I have received your forwarded call”, or even taking it to “I appreciate all you have done for us” (Richey 2015). It is considered rude because it is a shortened phrase, too relaxed and casual to be appropriate in professional settings. Moshi Moshi is unacceptable in business conversations. These foxes are particularly conniving, but legend has it are unable to speak full words, and would have particular difficulty pronouncing moshi moshi (Richey 2015). Another background for moshi moshi is rooted in the common Japanese folklore of kitsune, or magical shape shifting foxes that are common throughout fairytales (Richey 2015). There are sayings that Ghosts are only able to say moshi once, so if someone said moshi just once, chances are the receiver of that message may be a little spooked (Richey 2015). There is some folklore background for why moshi is repeated twice as “moshi moshi” as opposed to just “moshi” (Richey 2015). Moshi Moshi is typically used when picking up phone calls, but can be used in real life as well- typically if someone is zoning out or to get someone’s attention. The most common and universally known of Japanese greetings is “moshi moshi”, but this is the most casual of greetings, and is typically only appropriate to use amongst family and close friends. For people from other cultures trying to adapt it may be easy to make cultural gaffes. When addressing specific people more versions of hello are more acceptable than others. Japan’s culture has a strong belief in respect, which is shown in how many different ways to say hello there are. In comparison, Japan has many variations of the greeting “hello”, that vary in appropriateness depending on situations. It is one word that carries plenty of connotation that gives a peek into what the Jewish culture holds dear. It is typically used as a greeting, but also is translated to peace. An example that best paints the picture is in Jewish culture the word “Shalom” is of multiuse. Language can be a reflection of the culture’s values and can give a deeper understanding of the backbone of the culture. Recently I have began to look at the relationship between culture and language. As a part of working on that, I have to observe and compare differences between and within cultures, much like this course. Currently I am working on an ethnographic research study. 8/30/2023 0 Comments Oxygen not included wiki crittersIf penned with Puft Prince, the chance of laying Squeaky Puft eggs will increase over time.Squeaky Puft can lay Puft (31%), Puft Prince (2%), and Squeaky Puft (67%) eggs. The produced Bleach Stone can be used to farm Waterweed or refill Hand Sanitizers. The Squeaky Puft requires Chlorine and creates Bleach Stone at 95% efficiency. The chance of laying a Puft egg will decrease over time no matter what it's penned with, but changes much slower than the other two.If penned with Puft Prince, the chance of laying Dense Puft eggs will increase over time.The produced Oxylite can be used as an oxydizer in Rockets.ĭense Puft can lay Puft (31%), Puft Prince (2%), and Dense Puft (67%) eggs. The Dense Puft requires Oxygen and creates Oxylite at 95% efficiency. Puft Prince can only lay Puft eggs, as the Puft Prince is always stabled with itself, and its initial 2% chance to lay a Puft Prince Egg will disappear before it can lay one. They are, however, needed to get Pufts to produce eggs for the Dense Puft and Squeaky Puft variations. The Puft Prince is otherwise the same as the basic Puft variant, but can breathe all three gases, though only excreting 10% of the inhaled mass. Pufts pair well with Morbs, since they will consume the Polluted Oxygen that the Morb produces. If penned with Puft Prince, the chance of laying Dense Puft and Squeaky Puft eggs will increase over time.If not penned with Puft Prince, the chance of laying Puft Prince eggs will increase over time.The chance of laying a Puft egg will decrease over time no matter what it's penned with.The Puft can lay all four kinds of eggs (94% chance Puft, 2% chance of other morphs), depending if there is a Puft Prince nearby and its age. The Slime that Pufts produce can be converted to Algae at an Algae Distiller, or used to farm Dusk Caps. the mass of the excreted slime is 95% that of the inhaled Polluted Oxygen). It ingests Polluted Oxygen and excretes Slime with 95% efficiency (i.e. The Puft that is the yellow, three-eyed critter most often encountered in the wild. Puft eggs take 15 cycles to hatch outside of an Incubator, or 3 cycles if Lullabied. Pufts are non-hostile and will flee when attacked. This can be circumvented by giving them a pneumatic door as roof, which is theoretically not a solid thus allowing production though not accessible to them, leaving the Puft to produce droppings in its place. Pufts will not produce droppings if they do not have room to rise to the ceiling. Pufts can only achieve their maximum conversion rate if their mobility is limited and will otherwise spend much of their time traveling and rising, reducing Polluted Oxygen conversion rates. Pufts typically inhale twice, then rise to the ceiling and excrete 1.5 to 2.5 kg of their corresponding element, doing this approximately every 10 seconds, so they can convert Polluted Oxygen to Slime at a rate of around 50 g/s. 8/30/2023 0 Comments 2022 buick encore specsWe anticipate that the Encore GX’s rear storage space will be greater than that of the standard Encore due to the presence of a passenger seat in the front that can be folded down in order to accommodate longer items. Because the Buick market position straddles the line between luxury and mainstream, it offers more standard features than competitors’ entry-level models, such as the Nissan Kicks and the Subaru Crosstrek. Additionally, the Encore GX has more storage space. Interior and Storage | The quiet interior of the Encore GX offers leather upholstery, heated seats, and more passenger accommodation than the Encore has. Other than that, all of the safety systems are effective. The front collision warning is the only one of the safety systems that doesn’t operate quite right it’s a touch too sensitive. There are a number of unique safety features, such as a video system that encompasses 360 degrees and a digital mirror that is located behind the driver’s seat. Furthermore, even searches that are only partially completed usually lead to the intended location.īecause it has four USB ports, a 120-volt outlet, and a wireless charging pad, all of your electronic devices will have a full charge in no time. Because it makes use of predictive text, you are not required to fill out a whole point of interest. Additionally, the navigational system is top-notch. Despite the fact that it does not have a particularly high volume setting, the base audio system is among the finest in its category in terms of the sound quality it produces. Technology | The Encore GX distinguishes out from the competition because of the depth and sophistication of the technology that is on display. The Encore GX’s competitors in the luxury-brand segment, the Audi Q3, the BMW X1, and the Volvo XC40, all feature engines that are more powerful and have quicker acceleration times. On the track that we used for testing, it took the Encore GX with all-wheel drive, the nine-speed automatic transmission, and the larger 1.3-liter four-cylinder engine 9.3 seconds to reach 60 miles per hour. In a similar fashion, the transmission that goes with the engine that’s somewhat more powerful only has nine gears. The more powerful engine is optional on the more costly front-wheel drive variations of the Encore GX, but it is included as standard equipment in all Encore GX models with all-wheel drive. The first one is equipped with front-wheel drive and an automated gearbox that can continually vary its ratios (CVT). The base model is equipped with a 1.2-liter engine that produces 137 horsepower, and buyers have the option of upgrading to a 1.3-liter engine that generates 155 horsepower. Transmission and the Engine | The power behind the Encore GX comes from a pair of turbocharged three-cylinder engines. Aside from those changes, the junior SUV offering from Buick will look exactly the same in 2022. Other new colors for the Encore GX include Rosewood Metallic. Cinnabar Metallic, Sapphire Metallic, Rosewood Metallic, and Sunset Glow Metallic are the four new colors that have been added to the Encore GX color palette for the 2022 model year. |
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