![]() Some borrowers might choose to finance the premium just to reduce their up front costs, but others may finance it so they can pay for other closing costs in cash such as purchasing discount points to reduce the amount of interest on the mortgage. You can’t pay part in cash and finance the rest. What’s the catch? You must either pay the entire amount in cash on closing day OR finance the entire amount into the mortgage. But one important feature to remember about the Up-Front Mortgage Insurance Premium is that you do not have to pay it in cash up front at closing time.īorrowers have the option to include the premium in the loan amount instead. In the case of the Up-Front Mortgage Insurance Premium, your cost will be a percentage of the loan amount–1.75% at the time of this writing. And part of being ready is understanding what costs you may be responsible for up front.ĭo you know what to anticipate needing to have saved for your new loan? There are two important areas to begin with–your down payment, and the FHA Up-Front Mortgage Insurance Premium which is part of your closing costs.īoth the down payment and the UFMIP calculations require at least a rough estimate of what the asking price of the home and/or the amount of the mortgage might be you can ballpark the price of the home and run the calculations to get an estimate of what you are required to save. ![]() Without enough lead time to save for your up front costs and prepare your credit you may fill out an application without being truly ready. Additional changes to mortgage insurance premiums and policies to ensure FHA’s long term financial soundness are likely to be forthcoming.The amount of planning and saving time you give yourself ahead of your home loan application is very important. New regulations have been added to increase the net worth requirements of FHA-approved lenders, strengthen lender approval criteria, and make lenders liable for the oversight of mortgage brokers. If a computed loan-to-value ratio is not possible, due to missing data or previous refinancing without an appraisal, the new LTV will default to 89.99%.Įarlier this year the Federal Housing Administration increased the UFMIP rate to 2.25% for most loan types. The new loan amount, excluding the Upfront MIP, is divided by the lower of the sales price or appraised value amount contained in SFIS. The LTV on those loans is based on data in FHA’s Single Family Insurance System (SFIS) for the mortgage being refinanced. A minimum of five years of MIP must be paid on loans with terms over 15 years before the MIP payments are no longer required ( see FHA Handbook 4155.2 7.3.c for details concerning Annual MIP cancellation).Ī common question is what property value to use in the LTV calculation for FHA Streamline Refinances when a new appraisal is not required. The Annual MIP drops off once the loan reaches 78% LTV, and again the Upfront MIP amount is left out for this calculation. The official Monthly MIP schedule using the Annual Average Outstanding Balance can be accessed in FHA Connection under Single Family Servicing -> Mortgage Calculator. Although the payment schedule on the TIL will still reflect potential rate changes for Adjustable Rate loans, the initial interest rate is used to calculate the Annual Average Outstanding Balance for each year. ![]() ![]() Since a different “Annual Average Outstanding Balance” is calculated for each year of MIP, the TIL payment schedule contains a series of 12 payments at each MIP amount, even for Fixed Rate loans. This amount is then divided by 12 for the monthly MIP payment. The Annual MIP is calculated for each year by taking the average of the 12 balances for that year (without the Upfront MIP amount) and multiplying it by the applicable rate percent (currently 0.55%, 0.50%, or 0.25%). HUD’s actual FHA Annual MIP calculation is more involved. This is done so lenders will know it is not the official calculation of the periodic MIP. Some underwriters still utilize the shorthand calculation, and the resulting value has been labeled by HUD as “Estimated Annual MIP Amount” on one of the FHA Connection MIP Calculator Results screens. They will no longer purchase loans with Federal Truth-in-Lending Disclosure Statement payment streams that do not use the accurate Annual MIP calculation. Investors such as GMAC have cracked down on FHA loans where the Conventional PMI calculation has been used instead of the actual FHA MIP calculation required by 24 CFR §203.260-203.261. The loan amount is multiplied by the initial PMI rate percent, and then divided by 12 to get the monthly payment. Questions concerning the FHA Annual Mortgage Insurance Premium calculation are common.įor Conventional loans, the monthly PMI amount is easy to calculate. With the ongoing changes in the mortgage industry, and fewer options for borrowers, more lenders are turning to FHA loans to increase their business.
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![]() ![]() I'm com'un home in the morn'un (Full Length 2004 Version) I'm com'un home in the morn'un (Radio edit Version) Only 300 Copies being pressed and once they are gone they are gone! Neither track has previously been committed to vinyl, with the A side previously unreleased in any format. Hopefully it's also a fitting tribute to George Louis Pride” Andy Bellwood (Last Bastion Records) “It's been my pleasure and privilege to have had the opportunity to release this limited edition 45 and in doing so, launch Last Bastion Records. Last Bastion Records ‘Making Music Matter’.Ī new indie label committed to making recordings available for the first time, on limited edition 45s.įirst up on our label is Lou Pride’s sensational 2004 unreleased recording of ‘I’m Com’un Home In The Morn’un” This is not a reissue of the 1970’s Suemi 45. LOU PRIDE - I'm Com'un Home In The Morn'un 7" RELEASE DATE IS: FRIDAY 25th FEBRUARY 2022 Pre-Orders being accepted now for this MUST HAVE 45. In addition to the full length 2004 recording which forms the flip side, the A side (also produced by David Earl) is a new Dj /radio station edit destined to be a dance floor and Northern Soul favourite.ĭetour Records in conjunction with Last Bastion Records brings you this Monster Northern Soul release. There he recorded a treasure trove of soul for the 'Keep on Believing' (Severn Records) cd release, plus remarkably a complete remake of his 1972 Northern Soul classic 45 "I'm com'un home in the morn'un" which was originally released on El Paso (Texas) label, Suemi and now commands in excess of £7k. How this release came about, was that musically, on fire and inspired by words and advice from his friend Curtis Mayfield, veteran Chicago soul/blues vocalist Lou and a backing band, visited David Earl's Severn Record studios, Maryland USA In 2004. Here's the blurb, flyer and can check out the video below. Over last year or so you long time member been working on a new label, looking like it's all coming together as we have just had details of the first release for 2022!Ī limited release of a previous unreleased version of 'I’m Com’un Home In The Morn’un' recorded all the way back in 2004 ![]() It's music from a boss in splatoon and I think it's perfect music for a boss. ![]() (I don't think it would hurt to say it's boss music) I've seen youtube comments saying that this happens to them as well! However, I found out I'm not the only one that this happens to. The tempo is just so good for my taste.Īlso this may sound odd, but I almost always do better at splatoon when I'm listening to this. Everytime I play it, I can't help but tap my foot to the rhythm. I like marie too and all, but eh.Īnother one of the reasons why I like it because I think it sounds great! (no duh)īut I love the way it sounds! It sounds so upbeat and catchy. This "song" revealed that to me and I loved it!Īlso, DJ octavio is probably my favorite final boss of all time even without the music, which made this song that much more epic.Ĭallie instantly became one of my favorite video game characters of all time. However, once I saw "agent 1" say "can you hear our song?" while calamari inkantation was playing, I knew at that moment that agent 1 was callie and agent 2 was marie. So yeah, I actually had no idea agent 1 was callie and agent 2 was marie. I found out I was "agent 3" Agents 1 and 2 were unknown to me. I really liked callie and marie from there on out. Their comments were often funny and sweet. I was and still is one of the few people that actually likes this aspect of splatoon. After all that, callie and marie announced the stages for online matches. So I had to go the tutorial, blah blah blah. Ok so when I first got the game, I had no idea what it was going to be like, except I knew it was where you shoot ink and cover ground and stuff, but that was pretty much it. God’s original directives, then, guided the people in their relationships with God and one another and clarified what loving interactions don’t look like. Jesus summarized and simplified God’s rules when He said the most important one was to love the Lord as the One true God with all that we are and to love our neighbors as ourselves ( Mark 12:30-31, NIV). Rather, in teaching Israel how to relate to God and one another, they pointed them to freedom. These guidelines for living were never meant to confine. And so, two months into their journey to the Promised Land, God called Moses, their leader up to Mount Sinai to receive what’s known as the Ten Commandments. ![]() After living under such oppression in a pagan land, the Israelites hadn’t a clue how to relate to God or govern themselves. He gave Moses what scholars refer to as the Levitical law shortly after their escape from Egypt. What Does "An Eye for an Eye" Mean - Historical ContextĪs with all biblical text, God’s statement regarding “life for life,” “fracture for fracture,” “eye for eye,” and “tooth for tooth,” must be read in its historical and literary context. 22 You shall have the same rule for the sojourner and for the native, for I am the Lord your God.” ( Leviticus 24:17-22, ESV).īut what if we’ve misunderstood God’s intent? What if, in fact, this seemingly harsh endorsement for revenge was actually an act of mercy? 21 Whoever kills an animal shall make it good, and whoever kills a person shall be put to death. 19 If anyone injures his neighbor, as he has done it shall be done to him, 20 fracture for fracture, eye for eye, tooth for tooth whatever injury he has given a person shall be given to him. ![]() 18 Whoever takes an animal's life shall make it good, life for life. “Whoever takes a human life shall surely be put to death.
![]() With a keyboard that knocks seven shades of something unpleasant out of the Eee PC’s effort it’s already on the right track and the sleek metallic design is class personified. Vitally, the keys themselves also have a crisp level of travel and response that makes typing brisk and easy.Īlready, then, the Mini-Note PC is making an excellent account of itself. It has a large and friendly Return key, suffers from no obvious quirks and unlike the Eee PC its keys are no smaller than on any ordinary notebook. Indeed, in terms of layout and feel, it apes another Asus product, the 11.1in U2E-1P057E ultra-portable, quite comfortably. Unlike the Eee PC that can be best described as “good for the size”, the keyboard on the Mini-Note PC would be no less acceptable on a machine costing a lot more than the £350 needed to buy the Linux edition we’re reviewing today. Nowhere is this quality more apparent, though, than in the borderless keyboard. Apply some pressure on the outside of the lid and you’ll be hard-pushed to transmit it to the LCD panel itself. Try and bend the screen and you’ll struggle to produce much movement at all. Everything about the machine feels exceedingly accomplished, with a compact but lightweight feel and a sturdiness that belies both its price and size. This comparison, though, doesn’t do HP much justice because it too has been designing and producing attractive notebooks for quite a while now and its experience is borne out in the Mini-Note. If the Eee PC borrows the MacBook’s iconic white finish, the Mini-Note PC feels far more like a product produced by the house that Steve Jobs built. Weighing in a heavier but nonetheless portable 1.27kg the brushed metal lid and underside complements the silver internals and gloss black bezel beautifully, while its curves make for a pleasingly tactile shape that immediately impresses. Though it lacks a catchy name, compared to the toy-like Eee PC the Mini-Note PC is a stunningly stylish piece of design. It has popped up in a number of Eee PC-alikes, albeit with mixed success, so it was something of a surprise to see it powering HP’s first foray into the sub-notebook market, the slightly awkwardly named HP 2133 Mini-Note PC. Asus’ solution thus far has been a 900Hz Intel Celeron CPU, but other companies have had to resort to less familiar options, the VIA C7-M 1.2GHz CPU being a popular alternative. There are a few machines mooted to use Atom, most notably the impressive looking MSI Wind, but it appears it could be a while before we see Atom powered machines hitting retail.Īs such, it’s been necessary for companies to find alternatives while Intel ramps up production. Meanwhile, Intel has enthusiastically embraced the idea by launching its Centrino Atom platform for small, low-power, affordable notebooks and MIDs (Mobile Internet Devices). Asus, predictably, has lead the way once again, with its updated Eee PC 900 putting right many of the issues raised by the original. If 2007 was the year that Asus chose to introduce the small and affordable sub-notebook, then 2008 is the year that the concept has really begun to take off. OBS allows you to record videos using a few different formats. When you’re recording with OBS it is best to set your output mode to advanced to ensure you have the best settings. With the simple output mode selected you will have limited control over your recording settings. The output settings in OBS allow you to customize the format and encoding options for your video recordings and live streams. Whenever you are recording gameplay 60fps is always the best option. Recording in 60fps is particularly useful when it comes to editing, as it allows for smoother slow motion. OBS has a drop menu that features all of the common framerates used for recording video. The FPS value is the frames per second that your video recording will have. The downscale option doesn’t put too much strain on your hardware, however, the Bicubic option can also be used on an older system. The best downscale filter to use is Lanczos. This is where the downscale filter comes in. When you are using a smaller output resolution your recording will need to be downscaled to size. ![]() You can use the output to rescale to a lower resolution if needed. The resolution of your video recording can be set by the output resolution. The most common canvas size is 1920×1080. Typically you would want to use a canvas resolution that matches your monitor or screen. ![]() This is the base for the scene that all of the sources are added. The canvas resolution is the resolution used for the preview in OBS. The video settings are used for recording and streaming. ![]() OBS allows you to choose your own custom resolution and framerate through the video settings. When recording in 30fps we recommend a bitrate of. Your bitrate will vary depending on the resolution and the framerate you are recording in. If you have pets, include their vaccination/medical records, ID chip numbers, and updated pictures. Original documents also help prove your legal status or relationship to another person (adoption papers, child custody papers, etc.). Really, go original with any document verifying your identity (passport, driver’s license, military ID, Social Security card, etc.). Some can be digitized, but retain your original birth certificate or a certified copy. A list of each type of insurance coverage, the policy number, and contact details.Military ID and military discharge paperwork.Marriage, divorce, and child custody papers.Lists of medications you’re taking, any conditions you have, and medical equipment you use.The major documents for your family to keep, especially if you are fleeing a disaster, include these: This guide explains which documents to keep and takes you through the various storage options. The best practices mix physical storage (a safe, safe deposit box, etc.), the cloud, and a thumb drive/external hard drive. Preservation of longtime family documents and photos for future generations.Electronic storage to cut down on paper.Easy “grab and go” in a high-risk disaster area.You know your needs and life circumstances best, so use the “whys” of storage to inform the “how.” Examples of whys could be: ![]() Life goes a lot easier if you keep important documents such as your passport, birth certificate, and vaccination records handy, but there isn’t one “right” way to store them. However, these fees are pretty cheap and depending on how long one wishes to keep a box they may be less expensive than buying a safe home.Written By: Team | Published: August 11, 2020 In contrast to an in-home safe, where there is a one-time payment, these boxes typically entail monthly or annual fees. Several private safety deposit box rental services offer perks such as longer access hours to compensate. The primary disadvantage of having a safe box is not getting immediate access to valuables at home. These boxes are ideal for storing valuables and papers long-term. A home safe could hold frequently-used things. Banks and private repositories have security measures installed for free. #3 – SecurityĬommercial insurance covers damages from bank disasters and robberies. This coverage and privacy are the biggest plus points of getting such a box. Therefore, even guns can be kept in a box. Safe Deposit Center wouldn’t disclose contents to the authorities. However, one must declare the home safe’s contents to the insurer to be protected by insurance. ![]() For example, if a person has a precious collection or family relic, one can guarantee its safekeeping with the Safe Deposit Box Insurance Co. While box contents aren’t automatically insured, it’s generally simpler to insure the box based on its contents. Also, there are various safe deposit box size options per storage requirements. Safe deposit boxes in banks and financial institutions are reliable as they invest in waterproof and fire-resistant boxes to withstand catastrophes that are much better than a home safe. You are free to use this image on your website, templates, etc., Please provide us with an attribution link How to Provide Attribution? Article Link to be Hyperlinked ![]() Let us look at the merits and demerits of the deposit box to understand the concept better. It could be problematic as the bank does not mediate disagreements between co-tenants. However, this also means that any co-tenant can remove things from the safe box without prior approval from the other co-tenants. ![]() A couple may opt, for instance, to store documents of wills and personal treasures in the same location. In cases where both partners are interested in the box’s contents, sharing it can be a practical solution. In either situation, each co-tenant would get a safe deposit box key as permission to store items.Ĭo-renters share the box’s contents and any liability linked with the box equally. However, this often requires the new tenant to visit the bank, provide identification, and sign documentation agreeing to be included as a co-tenant. In this situation, all individuals are given keys as co-tenants. It is possible if other partners agree and sign to share the box. Multiple individuals are capable of opening a safe box. ![]() ![]() Power on your printer, and follow the instructions in the manual to set it up and connect it to your WiFi network.Here are the steps to print from your iPad using AirPrint: Many brands like Brother, Canon, Epson, Fujifilm, HP, Lexmark, Xerox, Samsung, etc., are supported.Īs you can see, the list is exhaustive, as many printer manufacturers do want to offer compatibility to Apple customers. To check if your printer is compatible, you can check your printer’s box or refer to this list on Apple’s website. Note that AirPrint is not an app or software that you’re supposed to use it is simply the name of a feature that is built into your iPad that allows it to communicate with AirPrint-enabled printers, making your printing experience silky-smooth. Let’s see how to get this job done using various methods. It only makes sense that you should be able to print from it, as you might need a hard copy of a document or email. The iPad has made life quite convenient as it’s a lot of power in a small package - you can use it to watch movies, listen to music, draw the occasional comic, take notes, make presentations, etc. How to Connect iPad to Printer: All methods You should now see your printer printing. The setup process for an AirPrint-compatible printer is easy as you just need to hit ‘Share’ from your Mail or even your Safari browser and then tap ‘Print.’ When asked to ‘Select Printer’, simply connect iPad to the printer listed there. Many wireless printers support AirPrint, which allows iPads and iPhones to print conveniently. It’s pretty simple to print from your iPad if you have a wireless printer on the same network. We’re going to tackle this task today and teach you everything you need to know about printing from your iPad, so strap in! How to Connect iPad to Printer But before you do this, you must know how to connect iPad to printer. A big part of this is being able to print documents which includes everything from printouts of web pages, official documents, emails, photographs, and more. Best tablets with Stylus For Note-TakingĪs more people replace their laptops with iPads as their main work computers, it’s only natural that they expect the same amount of functionality from their Apple tablets that they would from their laptops. ![]() If you’ve already installed the app on another machine, it may say Install instead. Then you can click Open when it’s complete. The button will be marked Free, if it’s a free app, or give the price if it’s paid.Ĭlick the button and the installation will begin. When you’ve found the TomTom MyDrive Connect on windows store, you’ll see the name and logo, followed by a button below. Step 3: Installing the app from Windows Store Or you can Select Apps if you want to explore more apps that available, according to popularity and featured apps. You can find the TomTom MyDrive Connect in Windows store using search box in the top right. Step 2: Finding the apps on Windows Store It looks like a small shopping bag Icon with the Windows logo on it. You can find the Windows Store at your desktop widget or at bottom in the Taskbar. Method 2: Installing App using Windows Store Click on the icon to running the Application into your windows 10 pc.Now, the TomTom MyDrive Connect icon will appear on your Desktop.Then follow the windows installation instruction that appear until finished.exe file twice to running the Installation process After the downloading TomTom MyDrive Connect completed, click the.Or, if you select Save as, you can choose where to save it, like your desktop.If you select Save, the program file is saved in your Downloads folder.Most antivirus programs like Windows Defender will scan the program for viruses during download. Select Save or Save as to download the program.Or you can download via this link: Download TomTom MyDrive Connect.Download the TomTom MyDrive Connect installation file from the trusted link on above of this page. ![]() ![]() First, open your favourite Web browser, you can use Chrome, firefox, Safari or any other.Please note: you should download and install programs only from trusted publishers and retail websites. So, please choose one of the easy method on below Method 1: Installing App Manually There are so many ways that we can do to have this app running into our Windows OS. 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