VA loans offer low- and no-down-payment options for eligible veterans and other eligible borrowers.NMLS Approved Education for California Mortgage Licensees. Debt-to-income calculator Your debt-to-income ratio helps determine if you would qualify for a mortgage. Monthly interactive data on the effects of interest rates on Californias affordability. Refinance calculator Interested in refinancing your existing mortgage Use our refinance calculator to see if refinancing makes sense for you. Be certain to ask your home mortgage consultant to help you compare the overall costs of all your home financing options. Use our affordability calculator to estimate what you can comfortably spend on your new home. FHA loans have the benefit of a low down payment, but you'll want to consider all costs involved, including up-front and long-term mortgage insurance and all fees.FHA loans are available with as little as 3.5% down.Industry standards suggest your total debt should be 36 of your income and your monthly mortgage payment should be 28 of your gross monthly income. These home affordability calculator results are based on your debt-to-income ratio (DTI). FHA calculators let homebuyers and homeowners understand what they can afford to. The question isnt how much you could borrow but how much you should borrow. Talk with a home mortgage consultant about loan amount, loan type, property type, income, first-time homebuyer, and homebuyer education requirements to ensure eligibility. FHA home loans were created to help first-time homebuyers purchase a home.We'll explain the options available, so you can choose what works for you. ![]() California Residential Lenders Act Lic 417-0015. Estimate your monthly mortgage payment with our mortgage payment calculator. Use our mortgage affordability calculator to estimate how much house you can afford. Keep in mind that with a low down payment mortgage insurance will be required, which increases the cost of the loan and will increase your monthly payment. You can afford a house up to268,314 Based on your income, a house at this price should fit comfortably within your budget. For home shoppers: Find out how much you can afford to spend on a new home with our home affordability calculator.Conventional fixed-rate loans are available with a down payment as low as 3%.Lenders usually don’t want you to spend more than 31 to 36 of your monthly income on principal, interest, property taxes and insurance. Wells Fargo offers several low down payment options, including conventional loans (those not backed by a government agency). Front-end DTI: This only includes your housing payment.
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11/12/2023 0 Comments Jewish remembrance candle![]() Ner Candle Adonai nishmat adam Adam is the first human being created by God. And may _’s memory be blessing for all of us. May we find comfort as we draw together in this candle’s light. May this flame remind us that loved ones’ presence in our lives does not end with death. ![]() Source of life’s mystery, source of life’s fragility and its hard-edged boundaries, have compassion on us as we mourn our loss. Yet like this flame it cannot be held or embraced. ![]() For some of us, this presence may be as palpable as the heat and changing colors of this flame. His/her spirit lives on with us in our memories and in the way our memories influence how we choose to live. We light this candle to represent the presence of _, with us even as we return from the cemetery to mourn her/his heath. Now, we stand before a candle that marks both loss and connection, presence and absence. On Shabbat, many Jews observe prohibitions from various activities designated as work. Shabbat is traditionally observed with festive meals, wine, challah, prayers, the reading and studying of Torah, conjugal relations, family time, and time with friends. Is set aside from the rest of the week both in honor of the fact that God rested on the seventh day after creating the world. We usually light candles to rejoice, to mark the beginning of a holiday or to usher in Shabbat Shabbat is the Sabbath day, the Day of Rest, and is observed from Friday night through Saturday night. Other customs include abstinence from bathing and sex, covering mirrors, sitting lower than other visitors, and the lighting of a special memorial candle which burns for seven days., a candle that burns the whole week is lit.
11/12/2023 0 Comments Jim butler days tonopah![]() Tonopah’s a place where we’ve always had good people. He enthuses, “Tonopah’s always been the hub, the center of Nevada. As an aside, Perchetti also owns the Clown Motel. ![]() 95.) For more information: 77.īob Perchetti, whose family has been around Tonopah so long I heard its members took pictures with Butler’s burro, is chairman of this year’s 43rd annual event. (That’s an actual place, not another name for U.S. ![]() There are pancake breakfasts, street dances, mining demonstrations and competitions, music and even a stock car race at Tonphah Speedway. Although the biggest part of the hoorah takes place over the Memorial Day weekend, the events were set to start Wednesday with the coronation of local kings and queens. Thanks to Butler’s burro, Tonopah’s annual Jim Butler Days celebration is possible. More important than the silver strike itself is the story of the silver strike and the legend of Butler’s burro.īecause it makes an irresistible story line when it comes to promoting a town whose greatest boosters will be compelled to admit it is set just about smack in the middle of nowhere. He had stumbled upon the second-richest silver strike in Nevada history.” When Butler discovered the animal the next morning, he picked up a rock to throw at the beast, but instead noticed the rock was unusually heavy. The burro had wandered off during the night and sought shelter near a rock outcropping. You know, Wikipedia: “The community began circa 1900 with the discovery of gold and silver-rich ore by prospector Jim Butler when he went looking for a lost burro he owned. Sure, Jim Butler gets the credit, but according to the official legend it was his burro that led him to the second biggest silver strike in Nevada history.ĭon’t take my word for it. Not only did they carry packs, provisions, and valuable ore, but as the tale goes one particularly talented burro helped found the bustling mining town of Tonopah. Still more contend they’re able to spot a family resemblance about the ears and nose of those beasts and me.Īlthough I can’t counter such contentions, one of the big reasons I like jackasses is that the humble creatures have great historical significance in the Silver State. Others note that we speak the same dialect. Some folks say that’s because they’re my intellectual equal and have me beat to pieces when it comes to work ethic. 11/12/2023 0 Comments Meetic appli![]() *Dynata study conducted in April 2019 with a representative sample of 10,132 French people aged 18 and over (26% say they know a couple who met on Meetic). The General Conditions of Use apply to your purchases.Įvery day, you will receive personalized selections of singles profiles via email and via our push notifications. 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Search and find singles near you on Meetic, the dating app for serious encounters in France. 11/11/2023 0 Comments Pac man google map usa![]() The one lesson I've learned from life: TV presenter Anthea Turner says simple health tweaks are the bestįamily holiday heaven: How to find a gorgeous getaway everyone will love without breaking the bank! following her split from Tom BradyĪnton Du Beke 'issued warning by Strictly bosses' after making a naughty joke about fellow judge Craig Revel-Horwood during show Irina Shayk looks stylish in white dress and black boots as she grabs dinner with gal pal Emily Ratajkowski in NYC. Sofia Richie and Cameron Diaz lead star-studded support for Benji and Joel Madden's band Good Charlotte at When We Were Young festival Winter wellness: from discovering some joy to flu protection, here are five easy ways to look after yourself this cold season as she cheers him on at her fourth Kansas City Chiefs game Taylor Swift wears friendship bracelet with boyfriend Travis Kelce's jersey number 87. Strictly Come Dancing RESULT: Eddie Kadi is the fourth celebrity to leave the show after facing Zara McDermott in the dance off George Harrison's wry quip after a Beatles fan broke into his mansion and stabbed him 40 times - as revealed in the final part of new biography Kim Kardashian posts social media pics from star-studded bash with famous family and friends including Lauren Sánchez and Ivanka TrumpĮveryone should have a will, and here's how you can leave a legacy with lasting impact Is Storm about to blow in to replace Holly Willoughby on This Morning? Channel 5 presenter emerges as a shock favourite to snap up the roleĬhloe Madeley ditches her wedding ring AGAIN on outing with daughter Bodhi and dad Richard - while husband James Haskell parties in Parisĭianne Buswell reveals the REAL reason behind her tearful Strictly appearance where she called partner Bobby Brazier her 'rock' Rebecca Adlington reveals she has suffered a miscarriage: British swimming legend says 20-week scan showed daughter had 'no heartbeat' under a microscope: From a miniature crystal castle to spores that look like rich. 'The CIA dropped the ball here': Hacker hijacked the CIA's secure contact link for Russian informants due to.Mysterious fast radio burst signal that could be evidence of an advanced alien civilisation is spotted.Daily Mail's tech reporter reviews the OnePlus Open folding phone that unfurls into a massive 8-inch tablet.Inside Amazon's 'dystopian' new robot warehouses: Fears for company's 1.5 million human workers as Amazon.Revealed: Britain's most body confident cities - so, how happy are people with their figures in YOUR area?.WhatsApp will soon let you send self-destructing voice notes that vanish straight after they've been played.Britain's secret biosecurity blunders revealed - including LOSING a genetically-modified mouse and an.Look up tonight! Orionid Meteor Shower peaks this evening with up to 25 shooting stars every hour - how and.Talk about striking gold! Time Team fan uncovers a huge hoard of Roman coins in a field in North Wales.Mysterious 'mermaid globster' washes up in Papua New Guinea - and experts say it's 'anyone's guess' what it.CDC warns pet DOGS could start spreading new deadly flesh-eating parasite to humans in the US.Remains from Halley's Comet, last seen in 1986, will unleash 'shooting stars' this weekend - here's how YOU.How to survive a nuke 101: As world teeters on brink of war, doctor shares morbid guide that includes.Egypt's forgotten FEMALE 'king': Archaeologists uncover the tomb of a powerful woman who may have ruled.Pac-Man, designed by Toru Iwatani, was first released by Japan-based Namco into arcades on May 22, 1980. ![]() It was the first time Google made an interactive logo at its homepage, which routinely features artistic touches in keeping with holidays or special occasions. The Doodle came complete with the arcade game's trademark music and sound effects, and an 'Insert Coin' button where Google's 'I'm feeling lucky' button usually is. The company also featured an interactive Pac-Man game for its Google Doodle in 2010, the game's 30th anniversary. This version of Google Maps Pac-Man has been developed directly by Google, and also supports mobile devices. Go to Google Maps in a browser on your computer, or on the updated iOS and Android Google Maps apps, and find an area with lots of streets.Ĭlick the Pac-Man button in the bottom left corner, and Google Maps will change into a playable, giant version of Pac-Man.Ĭlick on the up, down, left and right arrows to move Pac-Man around, and the aim is to collect as many dots and cherries as possible while avoiding the ghosts. 11/11/2023 0 Comments First ghost buster movie![]() A 2016 view of one of the sub-levels at LA’s Central Library which was used for the scenes taking place in the basement stacks. And yet, according to several sources, they were actually filmed in one of the active sub-basements of the Central Library in downtown Los Angeles. Schwarzman Building in New York, but I always assumed they were filmed on a studio set. ![]() When it came to all the scenes that took place in the basement stacks, I knew they weren’t filmed at the Stephen A. While I was pretty sure all the scenes in the reading room took place in the south hall, I did double-check the orientation of the windows, shelves and such just to make sure. It’s a location I’m very familiar with - one that I’ve been to at least a hundred times over the years. When I began compiling Ghostbusters filming locations, the first thing on my list was the New York Public Library’s Rose Main Reading Room, located in the Stephen A. Inside, a librarian does her rounds at the Rose Main Reading Room on the 3rd floor, then encounters a ghost in the basement stacks (which was shot in the basement of the Central Library in Los Angeles at 630 W. Public Library The movie begins at the main branch of the New York Public Library at 476 Fifth Avenue, whose entrance is flanked by two stone lions nicknamed Patience and Fortitude (the latter of which appears on camera). But that hasn’t been the case with the Ghostbusters movies, thanks to the exhaustive Spook Central website, which has painstakingly identified every nook and cranny from the first two films, no matter how brief or insignificant. Generally speaking, even with the most popular, iconic movies that have been extensively studied and researched, there tends to be at least one or two locations that haven’t been identified by anyone (usually because the scene is very brief or the location is extremely difficult to pinpoint). However, Ghostbusters is one of the few titles in which I did zero original research in finding its locations. Like the other posts on this site, I will mostly focus on the New York locations used in this movie. Starring comedy legends Bill Murray, Dan Aykroyd, Harold Ramis and Rick Moranis, Ghostbusters filled out its cast with Sigourney Weaver, Annie Potts and Ernie Hudson (playing a role that was purportedly first offered to Eddie Murphy who turned it down to star in Beverly Hills Cop). If bustin' makes you feel good, mark your 2023 movie release calendars because we're returning to the ectoplasm-covered world and the firehouse sooner than you might think as the next movie in the Ghostbusters franchise is set to hit theaters on December 20, 2023.With the long-awaited release of the new Ghostbusters movie, I thought it’d be appropriate to look back at the original 1984 classic that was essentially the first big-budget, special-effects-heavy comedy ever made. Now, along with the Afterlife sequel presumably returning to NYC, we'll also see the return of our favorite ghost hunters return in animated form as well. An edgier sequel '90s series, Extreme Ghostbusters, premiered in 1997 before being canceled after one season. It went on to run seven seasons, spawning truckloads of merchandise, before ending its run in 1991. The Real Ghostbusters, which continued the adventures of the primary characters from Ivan Reitman's classic 1984 film, became a smash hit. This will mark the first time in nearly 30 years that the team of paranormal investigators will grace the small screen. It's an excellent time to be a fan of the long-running supernatural-horror comedy series because it was announced last year that Netflix is getting a new animated Ghostbusters series from Reitman's team as well. 11/11/2023 0 Comments Printable monthly budget plannerThen you can write down the amount, due date, and all the months of the year you’ve paid. This checklist by Hayley Fiser allows you to write out each and every bill you might encounter within the year. If you’re prone to missing bill payments, a bill payment worksheet may work best for you. Print whichever one you need, or print them all! 8. It contains the basic expense tracker, expense log, weekly meal planning, monthly bill calendar, and budgeting log. This expense tracker from Shining Mom is a true value-packed bundle. Yes, you can look at your credit card statement at the end of the month, but by then, the money is already gone! If you actively use an expense tracker, you’re aware of your spending as it’s happening and are less likely to go overboard. If you’re wondering where exactly your money goes, an expense tracker may be of help. It also provides a nice section on income, savings goals, total expenses, and any notes for the month. If your one key goal is to get rid of debt, this sheet can help you narrow your budgeting focus. It focuses on key expenses and has categories just for credit cards and loans. What I like about this one is how simple it is. Here is another beautiful budget sheet you can use to figure out your monthly spending. It really ensures you’re not missing any important expenses by listing them all out for you. This is a free two-page printable that you can use month after month. Instead, you use all your income and allocate it perfectly to your expenses, debts, and savings. With this method, you never have any money left over. The bold rainbow title immediately makes me want to start budgeting! This monthly budgeting printable from Moritz Fine Designs follows the zero-based budgeting method. Zero Based Budget Printable by Moritz Fine Designs Then you can translate it to the calendar and also list your weekly budgeting needs.Ī post shared by Allison Baggerly 5. At the bottom, you can list all your income, expenses, and dates. Using a calendar format allows you to visualize when you’ll be paid and when each bill is due. This provides a much more visual approach that can be helpful for some! It’s designed for those who receive bi-weekly pay, so you can check in twice a month. This printable budget tracker made by Mom Managing Chaos takes a different approach. Biweekly Budget Printable by Mom Managing Chaos There are three fields here so you can keep track of all your current savings goals! 4. It also has two sections for your savings – one detailing the account’s starting and ending balance and the other documenting your current savings goals. The main section allows you to budget for your main bills and provides beginning fields for inspiration. Not only is this budget worksheet by Lightroom Presets incredibly aesthetic to look at, but it has plenty of excellent sections to keep track of your spending. Lightroom Presets Printable Budget Worksheet Download the tracker and fill in the figures yourself, or use the other version that automatically calculates based on your income and expenses. You can use it on its own or to accompany another budgeting sheet. This would be especially helpful for those who have received irregular amounts or inconsistent paychecks. This is a wonderful free tracker from Frugal Fitz Designs that you can use to budget based on your paycheck. Paycheck Budget Tracker by Frugal Fitz Designs You can print it right now by heading over to my shop! 2. This includes a goal-setting page, bill payment calendar, meal planner, budgeting page, and bill payment log. In addition to the above, I also include some monthly staples so that you can stay on track to achieve your financial goals. ![]() It includes the following budget printables: This planner can be used month after month to get every aspect of your financial planning in order. I firmly believe that budgeting becomes that much easier when it’s pretty to look at! It’s a multi-page planner that’s been completely revamped to look modern and bright. ![]() Yes – this one is by me! I consider this the bible of my financial planning. ![]() ![]() Since everyone budgets a little differently, I rounded up a few of my favorite printables made by other wonderful creators. Even if you are already aware of what you spend, writing out your budget forces you to go through the process and ensure every expense is accounted for. Creating a budget allows you to mentally keep tabs on all of your spending and ensure you never go overboard.īy sitting down to write down your budget, you visualize your spending. Have you ever used budget printables before to keep track of your finances? One of the best tips I ever tell people who are beginning to budget is to write things down!Ĭredit cards allow us to spend without really seeing how much money we actually have for spending. 11/11/2023 0 Comments Desktop google hangouts download![]() It is offline installer ISO standalone setup of Google Hangouts for windows 7, 8, 10 (32/64 Bit) from getintopc. Google Hangouts Download For Windows 10 Full Version latest. Hard Disk Space: 50MB of free space required.Head to the Google Hangouts desktop app, click +Free then Add. ![]() There is also a Google Hangouts app that you can download to your ChromeOS or Windows computer. Operating System: Windows XP/Vista/7/8/8.1/10 Another Option: Set up Google Hangouts Chat on your desktop.This app is home to customizable fonts, gifs, emojis and sticker.In the Invite People dialog box, type in the email address (or the name) of the. View collection of photos shared from each of their hangouts. Click on the icon for a Video Call and a separate window will pop up.The viewer can see what talked about in the past, including shared photos and video call history.The biggest downside of this software is how you have to keep Chrome open when using Hangouts. Get notification only once after you see an alert, it will be removed on other devices. Online program from Google that allows users to create groups.View and continue your Hangouts across multiple devices.Google Hangouts Download For Windows 10 is 100% free and can be quickly installed on to chrome browser that receives regular online updates. When acknowledged or dismissed, they will be automatically removed from all other devices such as laptops, smartphones and tablets. It is essential to note that google utilizes a notification system to see them on a single device. The official Hangout for chrome browser allows users to handle their chats notification quickly and access a google hangouts interface window even when the Chrome browser is not open. Some of the advance features of Google Hangouts Download For Windows 10 are the ability to keep your privacy secure by temporarily pausing history records transfer group chat into the video conference.Įnjoy text chat with a group of 149 people and directly manage phone calls, SMS messaging and voicemail via Google Voice. The most streamlined was achieved utilizing an official chrome extension application which integrates with user browser and allows quick and easy access to not only text and audio calls feature but also high-quality video conferencing, sending the message, to offline friends infusing chats with pictures/animated/GIFs, browser chat histories and much more. ![]() User can use Hangout to connect his friends across different computer android and apple devices so that they always be able to hang out with contacts, no matter where they Hangout was also primarily accessible only via the web browser. Hangout brings one on one and group conversation to life with photos, emoji and video calls for free. Hangout also has support for video calling, and a user can turn any conversation into a video call with up to 10 references. Users can send photos or emoji’s see people are engaged in the Hangout and message your contact anytime. Google Hangouts Download For Windows 10 allows you to have a conversation in the group with your friends and colleagues. Google Hangouts Download For Windows 10 Overview Of Google Hangouts 11/11/2023 0 Comments Dying light 2 stay human ign review![]() ![]() ![]() You'll have to choose sides between the Survivors, and Peacekeepers, while also keeping an eye out for the devious Renegades, not to mention the swarms of dangerous infected like Howlers, Banshees, Revenants, Spitters, and Goons that will hunt you down without a second thought.Įxplore the city on the all-new paraglider item and find collectible murals, valuable resources at the Forsaken Stores & Dark Hollows, or test your stealth and combat skills in one of the GRE Anomalies that hold Inhibitors that boost your Strength and Stamina. In this exclusive Dying Light 2 featurette, Thomas Gerbaud (World Director) answers what it means for players to 'stay human' during the modern dark ages. Dying Light 2 is a super solid follow-up to the 2015 original, building upon its fantastic gameplay loop with new traversal options for even more parkour fun. There’s your run-of-the-mill, slow-moving lurches which are about as useless as you’d expect the recently turned, fast-moving Virals that leap at you and make you curse in front of your kids take a little more agility to deal with Howlers, which scream like maniacs and. Factions are at war for control of this Open-World map. The variety among zombies in Dying Light 2 is, thankfully, a lot better than it is with the human enemies. Watch the trailer to see what to expect with the All Hallow's Even event, bringing new. Given the game's glitches, minor gameplay annoyances, and crudely bisected story and world, reports of behind-the-scenes issues feel all-too-plausible. But even with all of these proficiencies at your disposal, surviving in the City won't be easy. Dying Light 2's All Hallow's Eve in-game event will be available today, October 25, through November 4, 2022. Dying Light 2 Stay Human is another exhilarating parkour and zombie-pummeling playground from Techland, although at times, the seams holding it all together are a bit obvious. Our review finds an ambitious open-world adventure that is more game than it is story, but. In Dying Light 2, you'll control Aiden, a Pilgrim with impressive combat, stealth, and parkour skills. 4 release date for PP4, PS5, Windows PC, Xbox One, and Xbox Series X. So we're bringing you 6 things you should know before you jump into the undead world of The City. Watch the trailer to see what to expect with Dying Light 2s Undead or Alive event, available today, May 31, in celebration of Call of Juarezs 10th anniversary. Dying Light 2 Stay Human is coming to PC, Playstation 4, Playstation 5, Xbox One, Xbox Series X & S on February 4th, 2022 - and later in the year on Nintendo Switch. In this exclusive Dying Light 2 featurette, Thomas Gerbaud (World Director) answers what it means for players to stay human during the modern dark ages. 11/11/2023 0 Comments Epic center ft connis silver sneakers![]() As more Americans and more Boomers reach their 50s and 60s in good health and with no clear path on how to contribute for the coming decades, there is a strong and growing need for time to rethink purpose, passion and what comes next.Īs a result, Chip predicts that we will begin to “normalize the idea of a gap year in our 50s” and that colleges and universities will begin to serve this emerging market. And the second is the greater demand-both individually and collectively-to spend concentrated time seeking purpose and wisdom in the context of longer life. In fact, four colleges have announced plans to close down permanently in the last six weeks alone. The first is a decline in college enrollment that is putting any number of colleges and universities into positions of financial precarity. And look at the pay-off: an intriguing set of ideas for expanding long-life learning and saving higher education to boot.Ĭhip sees two major trends coming together. Smart people tend to avoid making categorical predictions, but we are nothing if not relentless at TNSB and we successfully cajoled Chip into offering a bold prediction. It’s not everyone who would see a community of interest between F-3 Nation, MEA, and School of Life, but Chip does, believing that they are all offering different paths towards finding purpose and community in the second half of life. Among them: the British author and philosopher Alain de Botton, whose School of Life is rolling out a new battery of long-life learning services in the context of employee wellness, and F-3 Nation, a Christian-based organization bringing fitness, fellowship, and faith to men-and reinvigorating their community leadership. Chip went on to describe some of the organizations that he follows, many of which are thinking of creative ways to help more people find purpose and fellowship. Roughly half of the students at Modern Elder Academy are on some form of financial aid, Chip told us, and that he was proud to count plumbers, construction workers and physical therapists among the 3,000 people who have come through the doors since MEA opened. Part of the challenge of long-life learning is democratizing, and making it accessible to all. The “thirst” for wisdom, purpose, and community in life is universal, and not limited to any socioeconomic group. With the breakdown of social institutions and the decline in social capital, there is an increasing need and longing for institutions, like MEA, that can inspire people to come together. The idea of social wellness is having a bit of a moment right now, and just in time. is going to lead to a more compassionate world, whether that’s within an organization, within a community or politically.” We have tended, to paraphrase Chip, to think of individual wellness as a personal pursuit-my sleep, my fitness, my search for meaning-but when you combine community and wellness, you get social wellness. ![]() helping people uncover and unlock and then cultivate and harvest their wisdom. Chip told us that the “history of wisdom is that it is really a social good. The search for purpose and wisdom is not just about helping people be better for their own sake, but about making society better. ![]() The ideas below are his the words are ours. Well, we have a new achievement that can go at the very top: the first ever “guest editor” of TNSB, a new feature we plan to run once a month. When you have accomplished as much as Chip has, it’s a little hard to know where to start your biography. ![]() But despite our best intentions, last week we may have felt the snap of that green-eyed monster when we were talking with Chip Conley: successful hotelier, best-selling author, and a man who has somehow managed to locate his Modern Elder Academy smack center on a beautiful beach in Baja California.Ĭhip is a prominent advocate for long-life learning: a “new educational segment focused on helping those in midlife and beyond cultivate more of a sense of purpose, legacy, adaptability, and resilience while maximizing well-being, all based upon respected social science and adult development theories on aging.” At TNSB, we try to avoid feeling jealous of others, if for no other reason than it can be bad for healthy longevity. |
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