Lenders generally want to know you will have a cash reserve remaining after you’ve purchased your home and moved in, so you don’t want to empty your savings account on a down payment. How Much Should I Have Saved When Buying a Home? While certain homebuyers can qualify for little or no down payment, through VA loans or other 0% down payment programs, most homeowners who don’t have a large enough down payment will have to pay the extra expense for PMI. You’ll stop paying PMI when your mortgage reaches about 78% of the home’s value. You’ll have to pay your monthly mortgage as well as a monthly insurance payment, so it’s not the best option if your budget is tight. If you don’t have enough money for a down payment, many lenders will require that you have mortgage insurance. This can mean private mortgage insurance (PMI), which is an added monthly charge to secure your loan. When you don’t have a least 20% to put down, you have to find alternate means to secure the mortgage. This amount buys you equity in the home, which helps secure the loan. The rule of thumb still stands: 20% of the home value is the ideal amount of money for a down payment. How Much Down Payment Do I Need?Īnother key number in answering the question of how much home you can afford is your down payment. To find a financial advisor who serves your area, try our free online matching tool. Plus, you may have trouble maintaining your other financial obligations, including building up your emergency fund and saving for retirement.Ī financial advisor can aid you in planning for the purchase of a home. Since lenders tend to charge higher interest rates to borrowers who break the 36% rule, you’ll probably end up spending more on interest if you go for a house that places you beyond that limit. That’s why your pre-existing debt will affect how much home you qualify for when it comes to securing a mortgage.īut it isn’t only in your lender’s interest to keep this rule in mind when looking for a house - it’s in your's too. If you are spending 40% or more of your pre-tax income on pre-existing obligations, a relatively minor shift in your income or expenses could wreak havoc on your budget.īanks don’t like to lend to borrowers who have a low margin of error. Although it’s possible to find lenders willing to do so (but often at higher interest rates), the thinking behind the rule is instructive. Most banks don’t like to make loans to borrowers with higher than a 43% debt-to-income ratio. You can find yours by dividing your total monthly debt by your monthly pre-tax income. (Side note: Since property tax and insurance payments are required to keep your house in good standing, those are both considered debt payments in this context.) This percentage also known as your debt-to-income ratio, or DTI. In practice that means that for every pre-tax dollar you earn each month, you should dedicate no more than 36 cents to paying off your mortgage, student loans, credit card debt and so on. Since interest rates vary over time, you may see different results. Plug your specific numbers into the calculator above to find your results. The payment reflects a 30-year fixed-rate mortgage for a home located in Kansas City, Missouri. The mortgage section assumes a 20% down payment on the home value. The table above used $600 as a benchmark for monthly debt payments, based on average $400 car payment and $200 in student loan or credit payments. Maximum Monthly Mortgage Payment (including Property Taxes and Insurance) with the 36% Rule Lock your refinance rate: Work with your lender to lock your interest rate when you believe it's the lowest.Ĭomplete a home appraisal: Most lenders require a home appraisal.Ĭlose your loan: Review the closing documents and disclosures, pay any applicable closing costs, and sign.Remaining Income After Average Monthly Debt Payment Contact the lender, or find a lender to work with in your area.Īpply for a refinance: Once you apply, your lender will provide you with initial disclosures that outline the terms of the loan. Shop refinance rates: Compare different interest rates using the custom rates tool or refinance calculator above to determine if refinancing at a current rate would accomplish your refinancing goals. Select a type of mortgage refinance: You have many refinancing options, including refreshing your rate and term (rate-and-term refinance), applying more cash toward your equity (cash-in refinance), pulling money out of your home equity (cash-out refinance), or opting for a streamline refinance to lower your monthly payments. The process of refinancing will follow these typical steps:
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When It comes to the final hand, he can see in his opponents eyes that he has the winning hand and will win the game. The lyrics go on to describe a poor loser, that is why he is only playing for the pleasure because he usually loses.ĭo they carry on or decide to quit now and lose everything. The song also describes different hands and plays in poker, such as 'snake eye', seven or eleven, double or quit. Other people risk everything, dancing with the devil, waiting, hoping for the winning card, doubling up, risking more money. The ace of spades The ace of spades You know Im born to lose And gamblings for fools But thats the way I like it baby I dont wanna live forever And dont forget the Joker Pushing up the ante I know you wanna see me Read em and weep The dead mans hand again I see it in your eyes Take one look and die The only thing you see You know its. It goes on to say that other people play for greed, not pleasure. The song describes how that if you gamble you win or you lose but the real pleasure is actually playing and that the only card you want and care about is the 'Ace Of Spades' The lyrics for the 'Ace of Spades' generally refers to gambling, concerning both life and money. This song was released in 1980 and reached No 14 in the UK Charts You know Im born to lose, and gamblings for fools, But thats the way I like it baby, I dont wanna live for ever, And dont forget the. Spain Flag – Honoring Columbus’ Spanish heritage Italy Flag – Honoring Columbus’ Italian heritage Some other flags that are often flown in celebration of Columbus Day are: Above both the F and the Y were two golden open crowns. These letters paid homage to King Fernando of Aragon and Sicily and Ysabel, queen of Castile and Leon. On either side of the cross were a green F and a green Y. The Columbus Flag has a white field with a green Maltese cross in the center. He wrote in his logbook in 1492 that we would carry a second flag to go with the Royal Standard and that flag would be selected by his two captains. The other flag flown by the fleet of ships is now known as the Columbus Flag. The second and third quadrants have white backgrounds with a red colored rampant lion wearing a crown. Quadrants one and four are have red backgrounds with Spanish castles having three crenellations and three windows. This flag is made of four alternating quadrants. The flag’s design is based off the Coat of Arms of Castile and León but without the shield and crown. He flew the Lions and Castles Flag (the Royal Standard of Spain, Castile and León). In the Bahamas, it is referred to as Discovery Day and Día de la Hispanidad and Fiesta Nacional in Spain.Ĭolumbus flew two flags on his initial voyage. Other countries have alternate names for Columbus Day as well. Columbus Day is not recognized as a holiday in Nevada. In South Dakota, Native Americans’ Day is celebrated. Hawaii calls the holiday Discovery Day, and Indigenous People’s Day is celebrated in Berkeley, California. Alabama celebrates a combination of Columbus Day and American Indian Heritage Day. Several states have replaced Columbus Day with alternative methods of remembrance. In later years, many Native Americans have disagreed with the celebration of a man who is believed to have been a barbaric ruler in Hispaniola, who tortured the indigenous people and made them into slaves. Columbus Day first faced controversy from those who rebelled against the holiday due to its association with Catholicism. However, there has also been opposition to the holiday. Most of the early celebrations were created by Catholic and Italian communities who celebrated Columbus' accomplishments with pride. Variations of the holiday date back as far as the late 1700's. It is celebrated each year on the second Monday of October. Columbus, while widely celebrated as the founder of America, never actually reached North America in his exploration and mostly spent his time in Caribbean Islands, and the Central and South America coasts.Ĭolumbus Day was made an official holiday in 1937 by President Franklin D. It was in Hispaniola where he established the first small colony in the new western land. They later spotted Cuba (which they thought was mainland China) and finally Hispaniola (which they believed to be Japan). His fleet of three ships, the Niña, Pinta, and Santa Maria (the validity of these famous ship's names are widely disputed among historians) completed their two month voyage trying to chart a western sea route to China and India when they landed in the Bahamas. All Star Flags takes a look at the history of Columbus Day, the present-day controversy surrounding the holiday and the Columbus Day flags associated with Christopher Columbus and his famous expeditions.Ĭolumbus Day celebrates the anniversary of Christopher Columbus' arrival in the Americas on October 12, 1492. You can start recording or take snaps without even touching the GoPro. Voice Control is another great feature we are excited about and it goes hand-in-hand with the decision to remove buttons. We are not sure how well the touch screen handles in very rugged conditions and if losing the buttons is a smart way to go but in good conditions this seems like a good improvement. The button allows for a simple turn on and record function and the new and bigger touch screen is perfect for adjusting the settings on the go. The old three-button configuration has been ditched and the most noticeable change people see first is the single button control system for GoPro Hero5. GoPro Hero4 Black GoPro Hero5 vs Hero4: Other Features Video is for many GoPro users the main feature and this really ups the value of the Session camera making it even harder to decide between the Hero5 and Hero5 Session. That means the Session variant this time around is on the same level as the high-end versions in this respect and that is awesome. In contrast, the Hero5 Black and Hero5 Session can both manage 4K videos at 30 fps. The Hero4 Black can take 4K videos at 30 fps and the Hero4 Silver at 15 fps, but the Hero4 Session can only capture 1440p videos at 30 fps. Thus, the highest EIS (Electronic Image Stabilization) mode is 1080p. So basically it takes the 4K image and uses a portion of that to give you a smooth 1080p image. It’s electronic image stabilization, which like the new Garmin action cam means it’s done within software rather than through hardware. The Hero5 Black and Hero5 Session both got image stabilization. You also got the pro settings as well, allowing granular control over exposure, white balance, ISO, shutter speed, color, sharpness and ProTune The aperture has not changed and is fixed at F2.8 and the maximum burst rate stays the same for both Hero4 and Hero5 at 30 images per second so you don`t miss the perfect shot you are after GoPro Hero5 Black The low light performance is now better and the Hero5 snaps even better and sharper low light photos with its 12-megappixel camera. There is a noticeable upgrade in terms of total megapixels from Hero4 Session to Hero5 session, The Hero4 Session has 8Mpix when the new Hero5 sports a 10Mpix shooter. GoPro Hero5 vs Hero4: Photo Quality GoPro Hero5 vs Hero4 More importantly though, what GoPro does is make it easy to see the impact instantly within the preview window – as opposed to after selecting the option. Other companies have had this for a while, but it’s nice to see GoPro join that crowd. The idea there is to remove the fisheye effect. Some of these were there before, but Linear is new. So now you’ve got Medium, Linear, Wide, Superwide, and Narrow. Now the new GoPro Hero5 has a new mode called Linear. The Hero4 Session also has the same set of modes except for the Narrow one. GoPro Hero5 vs Hero4 – how do they stack up in terms of Field of View (FOV), including Narrow, Medium, Wide and SuperView. GoPro Hero5 vs Hero4 GoPro Hero5 vs Hero4: The Fields Of View And if you’ve ever accidentally bumped into anything at a shrine - say Marie Laveau’s - you know to visit her gravesite to give her a gift, so she’ll lift the hex off of you.ĩ. You know better than to ever touch anything on a voodoo shrine. Jazz has a special place in your heart, and you know a concert could never come close to listening to your neighbors’ songs seeping through the walls or any random person playing on the street.Ĩ. There are still plenty of places to get a drink there - and everywhere in New Orleans, for that matter - but the environment is a little laxer, and there are plenty of street artists playing wonderful medleys, too.ħ. Instead, you head for Royal Street or Frenchman Street. Actually, you wouldn’t be caught dead in the tourist trap. You know it’s not all about Bourbon Street. It’s not springtime, it’s crawfish season.Ħ. In the meantime, it’s not unusual for locals to shove their Mardi Gras beads in them out of spite.ĥ. Hopefully, the city will fix them soon, but you doubt it. You know every nearly life-threatening pothole in a half-mile radius around you. If it’s not purple, green and yellow, it better be black and gold. You get outraged when people say, “Why don’t you just evacuate?” when a storm’s coming, because you know it’s an option most New Orleans residents can’t afford.ģ. What better time to hang out with fun company and have some strong drinks than when you don’t know if your home will be there after the storm, right?Ģ. You’ve attended your fair share of hurricane parties. Here are all the New Orleans secrets you need to know. This intangible magic is what keeps locals around, quite literally, come hell or high water. Visitors far and wide will say it’s otherworldly, but locals know there’s nothing quite like it, between the city itself and all the secret hangouts only they know about. It’s big but feels comforting, and makes total sense why so many call it home. Maybe it’s the voodoo, or maybe the conglomeration of all the people that make up this great city, but there’s something magical about New Orleans. The intake runners were opened up and cut to a single runner setup along with the exhaust ports. My build goal was at least 450 whp to further benefit the effect of the CorkSport Mazdaspeed camshafts, so I had the cylinder head ported to improve flow.For this reason, I had the rotating assembly (crankshaft, connecting rods, pistons, clutch assembly, and crank pulley) balanced to further reduce vibrations. However, this does come with some compromises, mainly in severe NVH (noise, vibration, harshness) the driver experiences. This would remove some rotating mass to help the engine rev more freely. I planned to run without the balance shaft, commonly called a BSD (balance shaft delete), to increase the oil capacity of the oil pan.Since I wasn’t going for just a bare bones build, I opted to have some added processes done to help with reliability and performance. The block was bored and cross-hatched to match up with the pistons, the main bearing journals were line honed where needed, and the deck surface was cut down just a hair to provide a new surface that’s true and flat. The bare engine block, a new used cylinder head, ACT 6-Puck clutch, and forged internals were sent to M & B Cylinder Heads for some much-needed love. After all this, I didn’t trust the engine. Luckily, I didn’t vent the engine block in the process, so that could be reused. The engine slipped timing and bent all of the valves. That something turned out to be the friction washers on the crankshaft. A compression test gave me the quick, sad story. I called the tow truck and brought my Mazdaspeed back to CorkSport HQ. I was merging onto the highway, within the speed limit, when the engine went silent and my dashboard became a Christmas tree of lights. The moment we all dread (or maybe even look forward to?) finally happened … zoom zoom BOOM (ZZB). Whether you do or don’t understand what a built block is, I thought I would share my knowledge and experience through the engine building process for my 2009 Mazdaspeed 3. For you newbies, it’s when the engine internals are replaced with performance parts. In fact, you’ve probably heard it enough times that you don’t even notice it. You’ve probably heard the phrase “built block” lately on social media or at your local car meet, but you might be wondering what that actually means. As of June 2022, there are over 1020 episodes spanning twenty seasons. It was first broadcast on Fuji Television on October 20, 1999. Its produced by Toei Animation and directed by Konosuke Uda, Munehisa Sakai and Hiroaki Miyamoto. Following in the footsteps of his childhood hero, Luffy and his crew travel across the Grand Line, experiencing crazy adventures, unveiling dark mysteries and battling strong enemies, all in order to reach the most coveted of all fortunes-One Piece. One Piece (, Wan Psu) is an anime based on the manga written by Eiichiro Oda. To learn more about how we use cookies, please see our. Funimation announced that the next batch of One Piece episodes with the English dub is on the way as Season 12, Voyage 3 of the iconic anime series is ready to set sail later this month. Rather than the popular persona of a wicked, hardened, toothless pirate ransacking villages for fun, Luffy’s reason for being a pirate is one of pure wonder: the thought of an exciting adventure that leads him to intriguing people and ultimately, the promised treasure. Our site uses cookies and other technologies to run this site, improve its operation and to deliver ads and other marketing materials to you. Luffy, a 17-year-old boy who defies your standard definition of a pirate. His last words before his death revealed the existence of the greatest treasure in the world, One Piece. The capture and execution of Roger by the World Government brought a change throughout the world. It was this revelation that brought about the Grand Age of Pirates, men who dreamed of finding One Piece-which promises an unlimited amount of riches and fame-and quite possibly the pinnacle of glory and the title of the Pirate King.Įnter Monkey D. Gold Roger was known as the 'Pirate King,' the strongest and most infamous being to have sailed the Grand Line. The capture and death of Roger by the World Government brought a change throughout the world. Roger was known as the "Pirate King," the strongest and most infamous being to have sailed the Grand Line. But we're going to get back to life again.The Mauldin Cultural Center has always been a welcoming space for the performing arts. We're all going to be a little smarter, a little more cautious. “We're going to get people back in the seats. “Everybody has helped the arts to survive COVID.”Īllen is looking ahead. “People have been so supportive,” Suzanne says. For now, they are ready to reopen the doors. You don't get good results that way.”Īllen and Suzanne acknowledge that “a day will come” when they aren’t involved in theater. It's easy, as a director, to criticize actors. “You need a nurturing person,” Allen says. Quinlan spent two weeks with the theater last year. “This is our transition year,” Suzanne says. Allen will direct “A Flea in Her Ear” in the spring. Suzanne will direct “The Hound of the Baskervilles” in October. Quinlan will direct three plays this season and also pick the lineup and casts for the 2022-2023 season. Meanwhile, the board – with input from the McCallas – hired Max Quinlan as Producing Artistic Director. “It’s the most ambitious season the theater’s ever done,” says Allen, who selected and cast the plays. In October, the official 2021-2022 season will open with the first of six shows. Performances are scheduled to resume in late July – starting with the shows canceled last season, “The Dixie Swim Club” and “The Producers.” Ticket holders and subscribers will be admitted with tickets from 2020. “People ask me, ‘What's your favorite play?’ And I say, ‘The next one.’” “That’s the great thing about theater there’s something new every moment,” Allen says. “As a director, when the show opens, you've already started on your next job,” Suzanne says. While actors are performing one play, the rest of the staff – director, set designers, costume makers, and another cast of actors – start working on the next production in the rehearsal hall. Most everyone is on the move all of the time. Often, they must move the set off the stage so actors can rehearse or perform that night. Currently, the crew builds the sets on the stage. The proposal includes a workshop for building sets. The theater also hopes to raise funds for an addition to its 50-year-old building. Most schools pay for the performances, but the theater tries to waive their fee for economically challenged schools. Grants and sponsorships help with the cost of mainstage plays, as well as the schools program, called Greenville Theatre on Tour. They prepare a children’s play – with a set, costumes and props – stuff it all into a van, drive to the school, set up, perform for 300 to 500 children, strike the set, and rush back to the theater to help out. The theater also has a full-time, six-person acting troupe that travels to as many as 75 elementary schools a year throughout the Upstate. Expansive plays, like “Mary Poppins,” can cost $100,000 to produce. The theater, located in Heritage Green, has 600 seats. Back in the ’50s, it didn't confuse people. “There’s nothing little about the Greenville Theatre. New York City was “big theater,” he says. When regional and local theaters sprung up in the 1920s, ’30s, and ’40s, he says, they were called “little” theaters to differentiate them from Broadway. “The theater hasn't been ‘little’ since the 40s,” Allen says. When the McCallas arrived, and until about two years ago, the theater was The Greenville Little Theatre. (Sam caught the acting bug, too, and works at the Barter Theatre in Virginia.) So, they set their sights on stable jobs and found them at the Greenville theater. They were working in Dallas when their theater troupe disbanded, and their 4-year-old son, Sam, was ready to start school. Greenville wasn’t necessarily part of the script. They celebrated their 39th wedding anniversary on May 1. A Greenville native, Allen was in the graduate program after earning his bachelor’s at Wofford College. Suzanne and Allen have been “on the bus” since they met at the University of South Carolina in Columbia. It's about time for me to get off the bus.” “A lot of theater people needed to get off the bus, and you don't get off the bus because you can’t,” Suzanne says. It was horrible.’ Then they realized, ‘Oh, I'm at home at night,’” Allen says. “We've had actor friends say, when everybody was laid off, ‘Oh my gosh, I cried. They are eager to work, but COVID has also changed their perspective. “This hiatus is the longest we've gone without working on a play in 40 years,” Allen says. Suzanne directed “A Christmas Carol” in 2019 Allen directed “The Game’s Afoot” that November the theater closed months later. “It’s how we've been able to accomplish so much with so few.” It's kind of like our home because no one ever leaves,” she explains, not entirely in jest. The whole staff pitches in, Suzanne says. Allen and Suzanne do act, but they also direct, book the season, hire actors, design sets and costumes, meet with the board, clean bathrooms – anything that needs doing. The Skirball is about to host another event related to the franchise. It’s taken away so much from what was a great event.” I think the conversation and awareness that has been driven by this is enough.” Cruz added, “I just would rather not talk about it, anymore. “I regret saying anything at all, to be honest. “This moment is not worthy of all of the attention it’s getting,” he wrote. Note to both fans and the news media: Cruz stressed that he’s done talking about this. I don’t hold anyone at CBS, Paramount or the event staff responsible.” I would’ve absolutely made an issue of it if I had been able to confirm the person, but I can’t, so I really meant it when I said I wanted to move on. Wilson inserted the “man shrugging” emoji here, then continued: “It wasn’t ‘shouted’ at me, as some are now claiming. I just heard it as I was walking out and it was almost like, ‘Did I really hear what I think I just heard…?’” “The fact of the matter is that I could never identify the person. “I have spoken to the parties that be and we’ve discussed it at length,” Cruz told me. He said this in a one-on-one, direct message conversation he initiated Monday night, to share his final thoughts about the incident. Cruz had something to say about that: “I don’t know that we have to accept that people hate us… I think Star Trek, especially Discovery, provides the answer because it helps us see that diversity is our strength-That accepting and understanding differences is the key to the unity that we seek, even more so, in this moment in time.” Installing apparatus without a Street Works Licence is an offence unless it is in pursuance of a statutory right or a Street Works Licence and may result in enforcement action being taken by the street authority (Suffolk County Council). A Street Works Licence can be issued for works such as sewer connections, private water supplies or for the installation of ducts. These organisations have statutory (legal) powers to install apparatus in a public highway (ie verge, footway or road) - "apparatus" is defined as any structure for the lodging therein of apparatus or for gaining access to apparatus.Īny other company or individual wishing to install and thereafter repair, alter, adjust or renew apparatus in a public highway will need to apply for a Street Works Licence under Section 50 of the New Roads and Street Works Act 1991 (NRSWA). They complete work on roads and pavements to maintain and improve the utilities required for households and businesses in Suffolk. Other organisationsĪs well as Suffolk Highways, there are numerous other people and organisations (particularly providers of gas, electricity, water, sewerage disposal and telephone-related services) who carry out work on roads, pavements and bridges in Suffolk. This includes reactive maintenance, such as fixing potholes, and planning works like resurfacing, surface dressing and improvement schemes. Suffolk Highways is responsible for the maintenance of roads and pavements. Apply for new or renewal of existing access protection markings (white 'H' markings). Apply for a definitive map modification order (DMMO).Apply for consent for works affecting ordinary watercourses.Apply for directional signing for a tourist destination in Suffolk.Apply for a No Cold Calling Zone (NCCZ).Apply to carry out works which could affect a structure on a highway.Apply for a copy of a civil partnership certificate.Apply for permission to film in Suffolk.Venue licences for marriages and civil partnerships.Apply to replace a lost or stolen Blue Badge.Apply for a temporary road closure or restriction.Apply for a new or request renewal of an existing advisory disabled parking bay.Apply for a copy of a marriage or civil partnership certificate.Apply and pay for a new dropped kerb/ vehicle access.Apply for a copy of a birth certificate.Apply for a free travel bus pass or travel vouchers.Report a problem with barriers or guardrails.Report a problem with a bridge or highway structure.Report an incident with a heavy goods vehicle.Road Traffic Collision Data and Developer Reports.Report an obscured, missing or damaged sign.Report a permanent traffic signal or traffic signal-controlled crossing.Report debris, weeds or mud on the road.Report a tree or hedge affecting the highway.Report the death of a Blue Badge holder.Report abuse of an adult (safeguarding).Report a child at risk of harm, abuse or neglect (safeguarding).No Cold Calling Zones and No Cold Calling stickers. |
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