![]() ![]() ![]() The ARM’s lower start rate is your reward for taking some of the risk normally borne by the lender - the chance that mortgage interest rates may rise a few years down the road. You’d be taking on extra risk without getting any reward. Without these start rates, few would ever choose an ARM over an FRM. These introductory low rates entice buyers with lower monthly payments throughout the initial fixed period. ARM start rates are frequently lower than those of a fixed-rate loan. This typically lasts 3, 5, 7, or 10 years, with a 5-year fixed intro rate being the most common. Start rateĪlso referred to as a “teaser rate” or “intro rate,” your start rate is the ARM’s initial interest rate. There are a few factors that go into setting an ARM’s variable rate, so it’s important to understand what they are. Lenders generally offer 3/1 ARMs, 5/1 ARMs, 7/1 ARMs, and 10/1 ARMs. Whereas a 5/6 ARM has a fixed interest rate for the first five years but will adjust every six months. Similarly, the rates of a 10/1 ARM are fixed for the first 10 years and will adjust annually for the remaining life of the loan. So after the 5-year fixed-rate period, your rate can adjust once per year for the next 25 years, or until you refinance or sell the home. ![]() Keep in mind that a 5/1 ARM (and most other ARM loans) still have a total loan term of 30 years. Afterward, the interest rate changes each year.A 5/1 ARM has a fixed interest rate during the first five years.As an example, the most popular type of loan is a 5/1 ARM. Its rate will never increase or decrease, which also means your mortgage payment will never change.Īdjustable-rate mortgages are named for how they work, or rather, when their rates change. A fixed-rate mortgage (FRM) has a rate that stays the same over the life of the loan. In this way, an adjustable-rate mortgage works differently than one with a fixed interest rate. But some ARM loans reset every six months or only once every five years. These rate adjustments follow a set schedule, with most ARM rates adjusting once per year. In fact, these initial introductory rates - sometimes called “ teaser rates” - are often lower than those of a fixed-rate loan.īut at the conclusion of the initial fixed-rate period, ARM rates begin to adjust until the loan is refinanced or paid in full. When the loan adjusts to a lower rate, your payment will decrease.Īlmost all ARM loans today are “hybrid ARMs.” These have an initial period of 3-10 years where the interest rate is fixed. When your ARM adjusts to a higher rate, your monthly payment increases. Here’s how ARM rates work, and how they affect your home buying power.Īn adjustable-rate mortgage is a type of mortgage loan with an interest rate that adjusts or changes, up and down, as it follows wider financial market conditions. Borrowers who buy or move in the near future could enjoy an ARM’s low rates and lower monthly payments.Īs fixed-rate mortgages become more expensive and home prices continue to rise, expect to see ARM rates attract a new following. Aug8 min read ARM rates are low for buying and refinancingĪdjustable-rate mortgages, or ARMs, have been largely ignored for years. ![]()
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![]() ![]() So if you're starting out this is probably not the best starting point. The app is pretty complex and not the most user friendly experience unfortunately. The app is similar to Parrot Teleprompter in that they have a hardware device and is better used as an add on to your recording device rather than a teleprompter app that helps you easily record and read your script on the same device. That said the paid version will only set you back $6.99 a month. Prompter Pal, unfortunately, is not free. Good value for a free teleprompter app! They also have a windows app available which is a plus- for mac users though we were unable to easily find the mac download. That said it’s not the simplest tool out there, but if you’re a pro and know what you’re doing we're sure you'll get the hang of it. You can record using both the back and front camera and this teleprompter app also enables you to automatically add subtitles or a green screen with the click of a button. I must say we were impressed by some of the functionality of Video Teleprompter Lite. It’s a good tool if you want to turn a mobile device into a teleprompter, but not the most intuitive for those wanting to record and teleprompt from the same device. We have to flag that on iOS and mac it’s not the simplest app to use. They also have a windows version for desktop and an iOS version. Teleprompter Pro Lite was first an android app that turned your phone into a teleprompter. In addition to this they have editing features which is great if you want to create quick short videos all in one place. The app works on iOS, Android and desktop devices. There is a free version, but you’ll have to survive with having their watermark on it. BIGVUīigVu is one of the most well known teleprompter apps. Also your script won’t be saved so if you’re looking for a more professional teleprompter app and enhanced scripting support this may not be the best option for you. That said you will need to position your teleprompter as close to the camera as possible as they don’t do this for you. This video editing and teleprompter software is intuitive and they have many great tools. If you’re looking to record a quick video on your desktop device Veed.io could be a good fit. While buying another add-on accessory may not be a good solution for those wanting mobility, it's great for connecting to higher end recording cameras that will give you higher video quality e.g. If you’re looking to record on the web this may not be the best app to use unless you’re happy to buy their teleprompter device. Parrot teleprompter is one of the oldest teleprompter apps out there- it’s available on iOS and android devices and is free to use. For those of you looking to save even more time we offer editing support services that can easily be used within the app! 2. countdown timer to help you get in place and you can even adjust your script on the fly within the text scroll area. Our free teleprompter app enables mobile users to record in both landscape and portrait mode. Block by block- keeping you fresh and enabling you to enjoy the experience without getting “redo fatigue”. Break your script up and record in increments. No more long takes that you need to redo a million times. ![]() Everything is modular- record and script in bite size pieces for maximum efficiency- saving users up to 80% of time. The teleprompter app was made by video creators to help save you time- how do we do it? BLOCKS. Maekersuite is available via our web and iOS app that seamlessly integrate, why’s this great? Because you can script on your laptop, but record on your mobile for higher resolution and video quality. Recording on browser, iphone, DSLR or android the below will have you covered. ![]() The list is pretty comprehensive from apps that turn your device into a teleprompter while you record on another device to those that do both. We’ve made a list of the top free teleprompter apps in the market. The most important thing is that you feel comfortable in front of the camera and make eye contact. ![]() The best presenters prepare before they record and improvise certain words or phrases to look more natural in front of the camera. That said you don’t need to read every word, the best way to look natural while using a teleprompter app is to use it more like an aid or for cue points. Instead of focusing on what you have to say you can master your performance in front of the camera- that’s why many creators and most news anchors use them. Helping you speed up the time to record, while ensuring you say the right things, at the right speed. Teleprompters allow you to record while you read off the screen. How to use a Script While Looking at the Camera ![]() ![]() ![]() When I first got the screen it was 162 inches long, but I trimmed it down to the size of my pergola which is 144 inches wide, and a little over 88” tall, which gives me a massive 165” diagonal viewing area for 16:9 widescreen content. On one side there’s a ball joint with a pin that springs in and out, and on the other side there’s a rigid mount with two pins to hold it in place. ![]() A giant weatherproof tubular motor made by simu drives a thick aluminum roller. The original screen was made up of 3 parts. Related to that, there’s a reason that I didn’t title this video “I built a 165 inch projector screen for $350”, because I started with a salvaged motor, screen and roller that probably cost around $4000 new, but if you want to learn a little bit about projectors, projector screens and flex seal, and see how this projector screen performs, stick around for the rest of the video. ![]() The mounting hardware was all rusted and the screens had multiple rips and tears that would prevent them from keeping out bugs, but the motors were working and the screens were actually bigger than my pergola, so I could trim it down and make one giant screen for the whole pergola instead of multiple small screens. Originally these giant screens were designed to be able to enclose a patio space at the touch of a button, but this one had seen better days. He showed me a roller screen that he had salvaged from a demolition job they had just completed. In the end I scrapped the idea because the screen wasn’t going to be big enough, and other than the pool there wouldn’t have been a good place to watch it, but having a projector screen on the patio has been in the back of my mind ever since.įast forward a year, and our patio remodel has been awesome, and there’s not a single thing I would change, but because we shifted our seating area from under the lanai to under the pergola the shades that I built 4 years ago to protect us from the afternoon sun are in the wrong place.Īnd after living with that issue for a year and procrastinating a new shade project, I was visiting my brother-in-law who works as a project manager for a construction company that builds multimillion dollar homes. Today on the hookup I’m going to show you how I made this 165” projector screen using about 3 gallons of flex seal, and why you probably shouldn’t do it, at least not the way I did.Ī little backstory here: Last year I remodeled my patio, and one of the things that I seriously considered was turning this section of my screened enclosure into a projector screen. ![]() ![]() Inpro/Seal’s experienced sales and engineering team can design engineered-to-order seals quickly and economically, and ensure the seal design addresses any concerns and is applied to provide the best reliability possible. For example, in pump bearing housings with a high degree of lubricant splash, designing the labyrinth pattern to communicate directly with the lubricant return path can greatly increase effectiveness. In some instances, benefi ts can be achieved by designing Bearing Isolators for specific applications rather than relying on standard catalog items. There are some designs that can handle all lubrication types in a single design. ![]() Some Inpro/Seal Bearing Isolators are designed specifically for grease lubrication, others for oil or oil mist. While taking all required safety precautions, having some of the coupling and fan guarding accomplished by tight grating, rather than solid surfaces, allows for better air fl ow and helps prevent pressure from building. Gapless, solid coupling guards that enclose the bearing housing seals with little or no gap around the bearing housing may induce leakage. Couplings and external cooling fans attached to pump bearing housings are a potential source of harmful air flow. The forceful flow of air over a bearing housing can cause lubricant leakage by creating a pressure differential between the inside and outside of the bearing housing. Questionable installations may result in over-filling of the bearing housing and subsequent lubricant leakage. The pipe connecting the external oiler to the bearing housing must also be suffi ciently ridged to prevent vibration or shaking the oiler. Oilers must also be installed square and straight. ![]() IMPROPERLY APPLIED EXTERNAL OILERSĮxternal oilers are extremely sensitive to position and must be installed on the proper side of the housing relative to the direction of shaft rotation following the manufacturer’s guidelines. Relying on the lubricant to drain to sump only through the bearing will likely result in lubricant leakage. To solve this, the area between the bearing and the Bearing Isolator must include an unobstructed return pathway to the sump. When this occurs, lubricant will accumulate in this area until the space becomes completely flooded and the seal leaks. The area between the bearing and the bearing housing seal may lack a drain channel. But the return path to the sump may be blocked by counter-bores in the housing, which were originally designed to provide a positive stop for pressed-in lip seals. Once they have collected the lubricant, they need a clear, unobstructed path to return collected lubricant back to sump. Inpro/Seal Bearing Isolators are effective at collecting splash lubricant in their respective labyrinth patterns. This allows oil to easily return to the sump. This return needs to be installed at the bottom dead-center or six o’clock position of the Bearing Isolator for proper function. Inpro/Seal Bearing Isolators have a lubricant return designed into their respective labyrinth patterns. There may be some oil leakage as the seal clears itself of excess lubricant, but that should diminish over time. This practice can inadvertently contribute to leakage. Fortunately, once returned to the proper level, Bearing Isolators will generally stop leaking and return to normal function. The thinking is that if leakage occurs, there will be extra lubricant available. It has become common practice for maintenance professionals to fi ll up to, if not a bit over, the maximum fill line. It seems simple, but the greatest cause of Bearing Isolator leakage on process pumps is an over-filled bearing housing. Though true for contact seals, the presence of leaking oil from a Bearing Isolator is most likely due to factors other than seal failure.įollowing are some of the more common causes of Bearing Isolator lubricant leakage in process pumps. For most operators, the analysis is simple: no leaking oil means the seal is fine while leaking oil equates to failure. The most common perception of bearing housing seal failure on process pumps is lubricating oil leaking from the bearing housing. This increases mean time between repair (MTBR). Inpro/Seal Bearing Isolators effectively retain lubricants and exclude contaminants while providing a virtually infi nite life expectancy. When this occurs, lubricant will escape to atmosphere and contaminants will enter the bearing housing, leading to bearing failure. Because contact seals use contact as their sealing method, they have a more limited life expectancy, since they can wear at the point of contact or groove the shaft. ![]() ![]() Look out for these common pitfalls, and don’t assume that a lubrication leak means seal failure.Ī well-known technique for increasing pump reliability is sealing the bearing housing with permanent non-contacting Inpro/Seal Bearing Isolators rather than contact seals. ![]() ![]() How do whole home water filtration systems work? You’ll need to check with your accountant to determine if you can deduct the cost of your water filtration system, but we have found these home improvement costs to be deductible for past clients. Is a home water filtration system tax deductible? Higher-cost systems are self-cleaning and do not require maintenance for around seven years. ![]() Lower cost systems, however, require annual cartridge replacement costs that can run around $400. City water filtration systems range from $799 to $3000. Blue Planet Plumbing is happy to provide multiple options. The cost of a home water filtration system is based on household needs, household size, water demand, water quality issues, and the caliber of system you choose. How much do whole home water filtration systems cost? The complicated chemistry of well water is why it’s so important to have a well-versed professional providing you with good solutions for your family and consumption purposes. Additionally, well water may experience heavy scale, tannins, or pH issues. Well water systems are more likely to have hard water issues, high levels of Magnesium, or bacteria. Different areas of town have different aquifers, soil, and rock types – all of which contribute to unique water chemistry. There are many factors that determine well water quality and chemistry. ![]() Blue Planet Plumbing performs a needs assessment to determine how you use water as well as a water sample test to determine water quality and the correct water filtration and treatment solution. Well water systems are much different than city systems and need to be properly analyzed and professionally tested with industry-proven data laboratories. ![]() City water systems may include trace levels of lead and heavy metals due to dated pipes and infrastructure. City water has a pH level of 7 which is neutral, meaning it has the same amount of acids and alkalis. That is why we recommend neutralizing the chlorine so you don’t consume excess chlorine or absorb it into your body.Īsheville City water contains chlorine and sediments. While the amount of chlorine in the water is at or below EPA standards, it is higher than what is recommended by the World Health Organization for safety. City Water Filtration SystemsĬity of Asheville water system contains chlorine to eliminate potential bacteria. Water filtration systems reduce or eliminate harmful contaminants. Types of Residential Water Filtration Systems So you can stop questioning the contents of your glass, and start up the kind of drinking habit you’ll be proud to tell your doctor about. There are many water filtration systems available, so we’ll advise you on the most beneficial and cost-effective solutions for your unique situation. ![]() Fortunately, our certified expert technicians have decades of experience installing whole home water filtration systems. And if the taste doesn’t bother you, the particles in unfiltered water can break down your plumbing system faster over time, leaving you with more frequent, costly repairsĪt Blue Planet Plumbing, we know you have more important things to do than examining every glass of water you pour. If your tap water is cloudy or has a weird taste, there’s a good chance you’re drinking and bathing in things you’d prefer not to. So you never have to think twice about what’s coming out of your tap. That’s why Blue Planet Plumbing installs home water filtration systems. Hard, unfiltered water can taste bad and break down your home’s plumbing system. ![]() ![]() ![]() Just glancing at the bike and you can instantly assess there is an improved look and feel. Each year the bike receives new upgrades and that brings us to the 2019 we have in front of us today. As the years have gone by, many fat tire bikes have come and gone, but the RadRover has remained as a bike the company is very proud of. Right as the fat tire bike craze began, Rad Power was one the first to offer an electric version. I was fortunate enough to be invited to Seattle by RPB to get some hands on experience with this bike which they consider their flagship model. My goal is to be transparent and unbiased, this video and written review are not meant to be an endorsement of RAD products.įor Rad Power Bikes, the RadRover is the bike that launched the company into the brand name it is today. This in-depth review was sponsored by Rad Power Bikes. To run the forums, host the website, and travel, I charge a universal service fee for my reviews. Integrated headlight and back light but could get blocked by your coat or a rear rack bag, nice adjustable kickstand, great price with optional Velofix assembly and delivery pack with locked-off mode, great price with optional Velofix assembly and delivery.Spring suspension fork with compression clicker, lockout, and preload adjust, custom Kenda tires with K-Shield puncture protection, the fat tires offer a good PSI range for improved comfort and managing soft terrain like sand and snow, optional suspension seat post.Only one frame size but the top tube is sloped and the shorter stem pairs nicely with the mid-rise handlebar for upright or forward body position and taller or shorter riders, sturdy oversized pedals. ![]() An affordable, powerful, electric fat bike with responsive 12-magnet pedal assist and twist-throttle on demand, available in two colors with lots of accessory options including fenders and racks. ![]() ![]() Your task it to flee and survive, and lead your soldiers and colonists back to Caprica. Named after Xenophon's best known work, this DLC offers the new survival/skirmish mode, called Operation Anabasis: you will be in command of a single fleet, comprising of both military and civilian ships. The secret, cunning plan she has conceived could turn the tide of the war forever…Īfter the Broken Alliance new single player campaign in which you had to face a potential "civil war" between Colonial Fleets, now it's time to face the desperate situations of the Anabasis DLC. ![]() The fate of mankind is now resting on the shoulders of Rear-Admiral Lucinda Cain. The deadlock is suddenly broken by a surprise attack from the Cylons and the brutal annihilation of the Colonial Fleet High Command on Picon. The Colonials have countered all the Cylon’s offensives so far, but no decisive victory was achieved. ![]() Fans will find all their favorite ships from Vipers, Raptors and Battlestars, to Cylon Raiders and Basestars, in addition to a brand-new range of ships designed exclusively for the game.įour years of war and a steep price in human lives have not been enough to unlock a deadly stalemate. Battlestar Galactica Deadlock takes you into the heart of the First Cylon War, to fight epic 3D battles that will test your tactical prowess.īattlestar Galactica Deadlock is a deep strategy game that also features a strong narrative with an extensive cast of characters, both new and from the existing lore. ![]() ![]() ![]() Works from this period include The Tooth of Crime (1972), which marked a stylistic departure from a From 1971 to 1973, the family lived in London, England, where Shepard continued Shepard married the actress O-Lan Jones in 1969, and they had a son, Jesse Mojo Shepard,ġ970. Musical involvement influenced his writing leading to what are referred to as "the Rock plays," which include the Obie Award winning Melodrama Play (1968), Operation Sidewinder (1970), and Mad Dog Blues (1971). Same year, Shepard began to play drums with the rock band The Holy Modal Rounders. He wrote his first full-length play, La Turista, in 1967, for which he also received an Obie Award. Watch." He went on to write several more one-act plays, including the Obie Award Off-Off-Broadway movement, being dubbed as "the one to He quickly attracted a following in what became known as the Shepard's first two plays, Cowboys (1964), and The Rock Garden (1964), were avant-garde one-act plays performed at There that Shepard met Ralph Cook, founder of the Theatre Genesis, who encouraged Legendary jazz musician, who helped him get a job at jazz club, The Village Gate. He shared an apartment with his old high school friend, Charles Mingus, Jr., son of In 1963, Shepard left the theater group and moved to New York to pursue an acting Traveling theater group, the Bishop's Company Repertory Players. After graduating in 1960, he attended MountĪntonio Junior College to study agriculture. Worked as a stable hand at a horse ranch. He began acting and writing poetry while in high school, The family lived inĭakota, Utah, Florida, and Guam, and eventually settled in Duarte, California, where The son of an army officer, he spent his childhood living on different militaryĪlong with his mother, who was a teacher, and his two sisters. Sam Shepard was born Samuel Shepard Rogers VII in Fort Sheridan, Illinois, on Novemberġ943. ![]() ![]() ![]() Customers benefit from their longer open hours, more convenient and greater number of locations and shorter cashier lines. In some countries, convenience stores have long shopping hours and some remain open 24 hours.Ĭonvenience stores usually charge significantly higher prices than conventional grocery stores or supermarkets, as they buy smaller quantities of inventory at higher per-unit prices from wholesalers. It may be located alongside a busy road, in an urban area, near a railway or railroad station or other transport hub. They differ from general stores and village shops in that they are not in a rural location and are used as a convenient supplement to larger stores.Ī convenience store may be part of a gas/petrol station, so customers can purchase goods while refuelling their vehicle. OPUS cards in Montreal or include a small deli. ![]() Some also sell tickets or recharge smart cards, e.g. The stores may also offer money order and wire transfer services, along with the use of a fax machine or photocopier for a small per-copy cost. ![]() In some jurisdictions, convenience stores are licensed to sell alcoholic drinks, although many jurisdictions limit such beverages to those with relatively low alcohol content, like beer and wine. The Dodgers told The Times by email that they do not comment on matters relating to security.A convenience store, bodega, convenience shop, corner store or corner shop is a small retail store that stocks a range of everyday items such as coffee, groceries, fruits, vegtables, snacks, confectionery, soft drinks, ice creams, tobacco products, lottery tickets, over-the-counter drugs, toiletries, newspapers and magazines. The Los Angeles Police Department did not immediately respond to questions about planned security for the protest, as well as during and after the game. None of those groups responded to questions from The Times. The article on its website mentions America Needs Fatima, Catholic Vote and Church Militant as some of the fellow organizers for the event. DO NOT bring posters with political images or messages.”Ī flier for the procession states, “This is a peaceful Christian event.”Ĭatholics for Catholics did not immediately respond to questions for this story. In the article, Catholics for Catholics encourages attendees to bring posters to the protest, “but have messages be Christ-centered. Gomez will hold a Mass on Friday “praying in a special way for our city” before the Dodgers honor the Sisters of Perpetual Indulgence on Pride Night. hours before Dodgers honor Sisters of Perpetual Indulgence “All are welcome to join this event in reparation for the offenses committed against our Lord Jesus Christ and against all Christians by the ‘Sisters of Perpetual Indulgence,’” an article on the Catholics for Catholics website reads.ĭodgers Archbishop to pray for L.A. The Sisters of Perpetual Indulgence are slated to receive the Community Hero Award during a pregame ceremony as part of the Pride Night festivities. start of the Dodgers’ game against the San Francisco Giants. A religious organization that calls the Sisters of Perpetual Indulgence “Godless” and “Christ-mocking” plans for thousands to protest at Dodger Stadium on Friday due to the Dodgers honoring the longtime charity organization made up of queer nuns in drag.Ĭatholics for Catholics, an organizer behind the protest, said it wants to express its feelings on the matter in person and on Dodgers’ Pride Night, but it wants the event to be “peaceful” and “prayerful.”Ĭatholics for Catholics announced a “prayerful procession” from 3 to 7 p.m., ahead of Friday’s 7:10 p.m. ![]() ![]() Brilliant, right? You can print them here. She can then fill them out and take them with her to remember how much she paid for your little one’s tooth. Simply click, print, and then leave them out for your tooth fairy. These free printable tooth fairy receipt cards are the best way to help your sweet little tooth fairy. Now that I finally figured out the answer to the question that was making my brain hurt, I decided I’d make her (or his) life a little easier and you can too! ![]() Wow what a woman (or man, I’m just assuming it’s a she)! I would love to follow in her footsteps if only she had some (get it, because she flies?). I mean, that’d be the only logical explanation… Arrives by Tue, Jun 6 Buy Official Tooth Fairy Receipt Pack For Girls Asian Features - Adorable, Long Lasting Keepsakes - 10 3.5X4.5 Fill-In Tooth Fairy. She has to have receipts for all those “expenses!” So not only is she perfectly sneaky being able to fly into kid’s rooms each night without making a peep, but she also must have some sort of accounting degree and be a total math whiz. Which means… she still has to file taxes, so how does she keep track of it all? Once I really started thinking about it, I wondered “How Does The Tooth Fairy Keep Track of Business Expenses?” I mean, she leaves money behind for all those baby teeth and she’s providing a service so it has to be a business expense. Of course, that’s got me thinking about how I can perfectly pull off the whole “tooth fairy” thing. : 20 Moments of Tooth 20 Tooth Fairy Receipt Cards and 1 Tooth Fairy Bag Tooth Fairy Certificate Keepsake for Kids (Light Gold, 4.25x5.5 in). It’s just about the time when my oldest son will start to lose his baby teeth. ![]()
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