![]() You can categorize the fees buyers are obligated to pay into three groups: The charges captured in the closing costs usually include the appraisal, tax service fees, title insurance, government taxes and prepaid costs like homeowners insurance, mortgage interest and property taxes. These fees are generally between 2% and 6% of the purchase price. How (and When) to Negotiate Closing CostsĬlosing costs include all of the fees associated with the mortgage transaction. Most experts recommend keeping around six months of expenses in reserves so that you avoid paying for unexpected emergencies with credit cards or personal loans. What’s valuable about many of these programs is that homebuyers can use them in place of their savings, which is a major financial boon when taking on homeownership. While these assistance programs are called down payment assistance programs, the funds typically can also be applied to the closing costs. There’s a slew of down payment assistance programs available for eligible buyers, including grants, matched savings accounts and low-interest loans. Borrowers should ask their lender what the total amount of the loan will be, including all of the closing costs, so there are no surprises as you near your close date. Tassone says if closing costs are not disclosed adequately, it can be a bombshell as the borrower gets closer to closing and receives their cash-to-close number. “You need to save up a bigger down payment, more for higher closing costs, and you still need money in reserves.”Ĭlosing costs often catch first-time homebuyers by surprise, especially if their lender decides not to disclose all of the cash they need to finalize the loan to “make their offer appear more competitive,” says Mike Tassone, co-founder at Own Up. “Nationally, home prices are up 17.2.%, so the nest egg you have to save has to be 17% bigger to afford to buy,” says Frank Nothaft, senior vice president and chief economist for CoreLogic. What First-time Homebuyers Should Know About Closing Costsįor buyers who are saving up for down payment and closing costs, be sure to look ahead at price appreciation because as home prices rise, so do closing costs. And despite California having some of the most expensive real estate in the country, it still made it to the list of 10 states with the lowest percentage closing costs. On the opposite end of the spectrum, states like Missouri not only have some of the lowest average home prices but also the lowest closing fees as a percentage of the sales price (at 0.71%).Ĭolorado also had some of the lowest closing cost percentage despite having double the average home prices to Missouris. States With the Lowest Total Fees as a Percentage of the Sales Price
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The collected data can then be saved as TXT, CSV, XML or IP-Port list files.Īs well has additional functionssuch as NetBIOS information machine name, group name, favorite IP address ranges, web server detection, etc. Once you Angry IP Scanner detects an active IP address, what it will do next is resolve its MAC address, hostname, port and various relevant information for each IP address. Angry IP Scanner is a free and open source multiplatform IP surveillance tool.Īngry IP Scanner is a TCP / IP network scanner that allows users to easily scan IP addresses within any range of your choice through an easy to use interface. When you need a simple app that scans the entire network to find out static and dynamic IP addresses, they should start considering the use of Angry IP Scanner. This is a permanent license, which means you can use the software for as long as you want without paying any further license payments.Įquip yourself with the knowledge and tools to combat cyber threats.In a home or office network there are times when it is extremely necessary to know the number of devices connected to our network and it is even of vital help when handling static IPs on the network. Nagios XI costs USD 1,295 (to monitor the unlimited number of hosts). This application provides your network Scanner with a high level of scalability and visibility, assisting you in resolving difficulties linked to many networks.HTTP, SMTP, POP, SSH, FTP, and other network Scanner protocols can be monitored. ![]() ![]()
Consider traveling to an alternative airport for a cheaper fare. Prior to the pandemic flexibility when booking travel was the key to saving money, but now, even more flexibility is needed. If you happen to have a Costco membership, consider visiting the Costco Travel website for more deals. Note that those with AAA or AARP memberships have complimentary travel agent access. Harteveldt told Select he's seen discounts up to 10% off retail prices simply by booking through an agent, especially since "not all fares are publicly available." As a result, consumers are flocking to travel agents as a trusted and reliable source of verifiable information.Īside from their many useful resources, travel agents can also help you save a decent amount of money by booking vacations packages. Travel agents may feel like a relic of the past, but now it seems this underrated industry is experiencing a resurgence, largely due to countries quickly and constantly changing their Covid-19 travel restrictions. If you're hunting for affordable travel in the coming months, here's where you can get started. Now, the 'rules' of finding affordable travel have changed. Two years after the pandemic's economic shockwaves, the airline industry is largely changing its pricing models, according to Harteveldt. Harteveldt refers to this as, "market forces at work." All of these forces have combined to create rising ticket prices. Airlines are also facing the reality of not having enough pilots and flight attendants to run their flights, as well as higher labor costs. According to IATA, the price of jet fuel has increased nearly 150% in the last year. Additionally, consumers aren't the only ones facing high gas prices at the tank - the airlines are feeling it, too. ![]() Henry Harteveldt, travel industry analyst at Atmosphere Research Group, tells Select that while travel demand has come roaring back, seat capacity is still down 6% compared to pre-pandemic numbers. For starters, there are simply not enough seats to provide for how many people want to fly. Now, with travel restrictions easing across the world and higher operating costs to deal with (like higher jet fuel prices), airlines are salivating to serve travel-deprived consumers - and for a major profit.Īs a result, ticket prices are near all-time highs at the moment. Since the beginning of the pandemic, many airlines have been drowning in debt and struggling to return to a state of profitability. Investing +More All Investing Best IRA Accounts Best Roth IRA Accounts Best Investing Apps Best Free Stock Trading Platforms Best Robo-Advisors Index Funds Mutual Funds ETFs Bonds ![]() Help for Low Credit Scores +More All Help for Low Credit Scores Best Credit Cards for Bad Credit Best Personal Loans for Bad Credit Best Debt Consolidation Loans for Bad Credit Personal Loans if You Don't Have Credit Best Credit Cards for Building Credit Personal Loans for 580 Credit Score Lower Personal Loans for 670 Credit Score or Lower Best Mortgages for Bad Credit Best Hardship Loans How to Boost Your Credit Score Taxes +More All Taxes Best Tax Software Best Tax Software for Small Businesses Tax Refunds Small Business +More All Small Business Best Small Business Savings Accounts Best Small Business Checking Accounts Best Credit Cards for Small Business Best Small Business Loans Best Tax Software for Small Business Personal Finance +More All Personal Finance Best Budgeting Apps Best Expense Tracker Apps Best Money Transfer Apps Best Resale Apps and Sites Buy Now Pay Later (BNPL) Apps Best Debt Relief Best Mortgages for Average Credit Score.Best Loans to Refinance Credit Card Debt. ![]() Hamphire and Burlington: Ashgate.īutler, Judith. Geographies of Sexualities: Theory, Practices and Politics. Surrey and Burlington: Ashgate.īrowne, Kath, Jason Lim, and Gavin Brown, ed. Lesbian Geographies: Gender, Place and Power. Farnham: Ashgate.īrowne, Kath, and Esuarda Ferreira, ed. Queer Methods and Methodologies: Intersecting Queer Theories and Social Science Research. “Womyn’s Separatist Spaces: Rethinking Spaces of Difference and Exclusion.” Transactions of the Institute of British Geographers 34 (4):541–556.īrowne, K., and C. “Lesbian Geographies.” Social & Cultural Geography 8 (1):1–7.īrowne, Kath. “Challenging Queer Geographies.” Antipode 38 (5):885–893.īrowne, Kath. “Genderism and the Bathroom Problem: (Re)materialising Sexed Sites, (Re)creating Sexed Bodies.” Gender, Place & Culture: A Journal of Feminist Geography 11 (3):331–346.īrowne, Kath. “Urban (Homo)sexualities: Ordinary Cities and Ordinary Sexualities.” Geography Compass 2 (4):1215–1231.īrowne, Kath. “Cosmopolitan Camouflage: (Post-)Gay Space in Spitalfields.” In Cosmopolitan Urbanism, 142–157. “Pistols and Petticoats, Piety and Purity: To Wong Foo, the Queering of the American Monomyth, and the Marginalizing Discourse of Deification.” Critical Studies in Media Communication 18 (2):141–156.īrown, Gavin. “Dréd’s Drag Kinging of Race, Sex, and the Queering of the American Racial Machine-Desirante.” Women and Performance: A Journal of Feminist Theory 15 (2) (30):161–188.īrookey, Robert Alan, and Robert Westerfelhaus. New York: Harrington Park Press.īraziel, Jana Evans. “Grease Cowboy Fever or, the Making of Johnny T.” In The Drag King Anthology, edited by Kathleen LeBesco, Donna Jean Troka, and Jean Bobby Noble, 15–30. Leviathan: The Unauthorised Biography of Sydney. London and New York: Routledge.īirmingham, John. Translated by Gill Valentine and David Feb Bell. Mapping Desire: Geographies of Sexualities. “Authenticating Queer Space: Citizenship, Urbanism and Governance.” Urban Studies 41 (9):1807–1820.īell, David, and Gill Valentine. Cambridge: Polity.īell, David, and Jon Binnie. The Sexual Citizen: Queer Politics and Beyond. London and New York: Routledge.īell, David, and Jon Binnie. Creating a Place for Ourselves: Lesbian, Gay, and Bisexual Community Histories. “We Are All Royalty: Narrative Comparisons of a Drag Queen and King.” Journal of Leisure Research 45 (5):667–694.īeemyn, Brett, ed. “Identity and Performance: An Ethnographic Approach to Drag King Performance Through a Corporeal Itinerary.” Journal of Language and Sexuality 3 (2):261–308.īarnett, Joshua Trey, and Corey W. “Live Like a King, Y’all: Gender, Negotiation and the Performance of Masculinity Among Southern Kings.” Sexualities 19 (1/2):46–63.īarbé i Serra, Alba. “Homosexuality and the City: An Historical Overview.” Urban Studies 41 (9):1719–1737.īaker, Ashley A., and Kimberly Kelly. Accessed 17 February 2016.Īldrich, Robert. “A Girl Can Be a King, Just Drag It Out of Her.” 2011. “Gender and Space: Lesbians and Gay Men in the City.” International Journal of Urban and Regional Research 16 (1):24–34. He is dedicated to delivering high-quality solutions and providing valuable insights to meet the unique challenges of the digital landscape. With a focus on Cybersecurity, DevOps, and AI & ML, Rakesh brings a wealth of knowledge and practical experience to his work. Additionally, he is well-versed in cloud-native, web technologies such as HTML, CSS, and JavaScript, as well as popular frameworks like Spring Boot, Vue, React, and Angular. His proficiency extends to a wide range of operating systems, including macOS, Ubuntu, Windows, CentOS, Fedora, and Arch Linux. He has a proven track record in various industries, including Banking, Finance, and Insurance. With over 18 years of practical expertise, he specializes in programming languages such as Java, Python, Sharepoint, PHP, and Rust. Know the Author: With a Masters Degree in Computer Science, Rakesh is a highly experienced professional in the field.
![]() Its adorable design and comfortable fit make it a perfect choice for anyone looking to add a bit of joy and levity to their daily routine. Whether you’re studying for exams, watching your favorite TV shows, or just hanging out with friends, the Spike Kigurumi is sure to bring a smile to your face and brighten your day. The hot topic kigurumi is perfect for those who want to bring a bit of fun and whimsy into their everyday lives. It can even be worn to parties or events for an adorable look. The Spike Kigurumi is perfect for snuggling up in bed while drinking hot cocoa and reading a good book, or lounging around the house on a lazy Sunday morning. The kigurumi style is inspired by Japanese cute culture, or “kawaii”, making it a perfect fit for fans of cosplay or those who just love cute and cozy pajamas. This kigurumi jumpsuit is not only a great Halloween costume but also a fashionable and comfortable addition to your wardrobe. In the show, Spike hatches from an egg due to a magical explosion caused by Rainbow Dash’s Sonic Rainboom during Twilight Sparkle’s entrance exam, making him more like a younger brother or cousin to Twilight Sparkle. Spike’s character is known for his mischievous behavior and his love for gemstones. My Little Pony fans will recognize Spike as the loyal and trustworthy assistant to Twilight Sparkle in the hit TV show “My Little Pony: Friendship is Magic”. Introducing the Spike Kigurumi My Little Pony Jumpsuit! This adorable jumpsuit is made of soft and cozy fleece material, perfect for keeping you warm and comfortable during the chilly fall and winter months. Error tolerance of±5cm is possible depending on the manufacturing date and measuring location ![]() ![]() In both new and existing markets, Fitness+ will be available in English, with subtitles in Brazilian Portuguese, English, French, German, Italian, Russian, and Spanish.Īdditionally, beginning November 1, 2021, as part of their plan benefits, approximately 3 million fully insured UnitedHealthcare members in nearly every state in the US can enroll with Apple Fitness+ for a year-long subscription, at no additional cost. SharePlay makes it possible for iPhone, iPad, and Mac 1 users to have shared experiences with friends and family while on a FaceTime call.īeginning November 3, 2021, Fitness+ will also be available in 15 new countries, bringing the total number of countries the service is available in to 21. During a workout, when someone moves ahead on the Burn Bar or closes their Activity rings, everyone working out will be notified so they can celebrate together.Īpple Fitness+ users can now work out or meditate together from different locations with the power of SharePlayįitness+ will also expand to 15 new countries on November 3Īpple Fitness+, the first fitness service built entirely around Apple Watch and designed to be welcoming to all, is introducing a new way to work out or meditate together with people in other locations with SharePlay, starting today. When working out in a group through SharePlay, users will see their metrics and progress toward closing their Activity rings, while also seeing and hearing friends. SharePlay also works with Apple TV so users can follow the workout on a big screen while staying connected with friends on FaceTime using their iPhone or iPad. Once on a FaceTime call, users will navigate to the Fitness app, select a workout or meditation, see their friends and family onscreen, and get started. Fitness+ subscribers can use SharePlay to start a group workout or meditation with up to 32 of their friends and family while using FaceTime on an iPhone or iPad, and the selected Fitness+ session will stream completely in sync for every participant. Today, Fitness+ is introducing a new way to work out or meditate together with family and friends using SharePlay, to help people stay motivated and accountable on their fitness journey. ![]() They have many zips and pockets for you to segregate your things. They are not only better for your physical health but also look stylish and are convenient to use. Backpacks are extremely useful as they distribute the load evenly on your shoulders without causing any strain. The most organised way to manage these is by putting them in a backpack. We all need to carry a lot of things everywhere we go - be it books, food, equipment, clothing etc. But bear in mind the factors as mentioned earlier to get the best expectations.Backpacks have always been an essential for people belonging to all age groups and professions. All the backpacks that are there on the list above are worth the investment, and you can choose the one that suits you most. If you have read this article carefully, you might be clear about the things that you need to consider while buying a new one. ![]() Try ignoring some of them, and you will get in trouble. If you do not want to have a bad experience with your new backpack, the factors above must be carefully considered during the selection process. So, whenever you buy a backpack, make sure that you keep an eye on this factor as well. If the straps of the backpack aren’t comfortable and breathable, the experience with it might be uncomfortable. The straps of the backpack that you choose should be adjustable, comfortable, and breathable. If the design of the bag is up to the mark, it will look elegant. It will also have an important role to play in the field of aesthetics. The design of the backpack can also come into play at times. If you want it to be a smart investment, this factor will be one of the most important ones. So, if you don’t require a spacious one, you can save money by going for a smaller backpack. On the other hand, if you want a backpack for traveling, there should be room for daily necessities.īut you should know that with an increase in the capacity, there will be an increase in the price of the backpack as well. If you are looking for a backpack for college or office, it should be spacious enough for a laptop. This is where your requirements will come into play, and you should choose the backpack that fits in right according to your needs. The capacity of the backpack is also an important factor that you will need to consider while making the purchase. So, make sure that you keep an eye on this factor. ![]() If the backpack is made of good quality material, it will last for a long time, and do well in the long run. The durability of the backpack is going to depend on the quality of the material used. The quality of the material used in the construction of the backpack is going to play an important role in the long run. If the backpack has multiple compartments, it will be easier for you to organize your stuff, making things much easier for you. Number of pockets or compartmentsĪs mentioned above, you should keep an eye on the number of pockets or compartments in the backpack. Here are some factors that you should keep in mind to achieve your wishes. However, before you settle for any of those backpacks, there are some things that you should know. Factors to Consider While Buying a BackpackĪlthough these are the best options, you can still find other ones that meet your needs and style in the market. It has honestly supercharged my entire platform. Export to your phone camera roll- upload your story to the BIGVU Cloud, BIGVU is accessible from the WEB, or on iOS and other Mobile devices.ĭid you enjoy Teleprompter BIGVU? you will like other Photo & Video apps like InstaPrompter - Secret Stage Intercom Teleprompter Video Teleprompter Premium Teleprompter by Prof. More than 6 million users create videos with a professional look with the BIGVU teleprompter app for iPhone and iPad.ġ1. If you recorded with a green screen, replace it with an image or video loop in one tap.ġ0. BIGVU is your DIY Video Editor for your talking videos.ĩ. BIGVU is the fastest and easiest way to create authentic and captivating videos for social media, education, corporate communication, or content marketing.Ĩ. 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We recommend Bluestacks because you can easily find solutions online if you run into problems while using it. Download an Android emulator for PC and Mac:.Turning off the auto-renew subscription should be made at least 24-hours before the end of the current period. You can turn off auto-renew at any time from your iTunes account settings but refunds will not be provided for any unused portion of the term BIGVU subscription will automatically renew at the end of each term and your credit card will be charged through your iTunes account within 24-hours before the end of the current period The app is free and Premium features require a subscription Keep a constant flow of production of new videos to stay connected with your audience ![]() Add automatic subtitles and open BIGVU Composer, an online video maker to edit captions, add photos, videos, and visuals Upload your story to the BIGVU Cloud, accessible from the WEB, or on iOS and other Mobile devices Post in one click to YouTube, Facebook, Instagram, and Twitter Add commercial-free music beds to add emotion to your narration Replace green screen background with any image or video loop using BIGVU chroma-key smart algorithm Apply themes with elegant subtitles and your logo & colors Crop your video to square format, vertical, or landscape Capture multiple takes & choose the best Interviews - switch between front-facing and rear cameras Teleprompter pro features: change text scrolling speed, set exposure manually, monitor audio while recording video |
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