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![]() 6 And a group of 18 Republican Senators also sent a letter to the FHFA to express their concern that the new LLPA guidelines could hurt the housing sector. House Republicans are working on a bill to repeal the mortgage fee changes. In the wake of a three-percentage point increase in mortgage rates, now is not the time to raise fees on home buyers.” 5 If you’re scratching your head about how these mortgage fees are structured, you’re not alone.Īccording to a statement from National Association of Realtors President Kenny Parcell, “Fees are raised on some borrowers with good credit scores and moderate down payments, hitting middle-wealth home buyers. Yep, you read that right! If you put down less than 20%, your fees gradually get smaller the less you put down.įor instance, the fee for a borrower with good credit (720) and a 15% down payment is 0.5% higher than the fee for a borrower with good credit and only a 5% down payment. Borrowers with smaller down payments will now have lower fees across the board. In addition to changing its credit score guidelines, the FHFA also changed its loan-to-value rules. But the FHFA’s new rules narrow the gap between what people with high and low credit scores pay.Ī buyer with good credit and a 15–20% down payment should expect their interest rate to be about a quarter of a percentage point higher under the revised LLPA guidelines. Now, to be clear, if two home buyers have the same size down payment but different credit scores, the one with the lower credit score will pay a higher LLPA. The FHFA calls these mortgage fees loan-level price adjustments, so let’s take a look at how they work.ĭave Ramsey recommends one mortgage company. Even though we’re not fans of I-love-debt-whoops-credit scores, we see how it would sting to pay fees for having good credit. If it does, that’s a clue you might not be in the best financial position to buy a house.īut still. And the truth is, an extra $30 or $40 a month shouldn’t make a huge impact on your home-buying decision. The new mortgage fees basically work out to a $10 difference (either higher or lower depending on your credit score and down payment) for every $100,000 of home loan value. That translates into a monthly mortgage payment that’s about $40 higher under the new structure. In fact, a home buyer with a 740 credit score and a 15–20% down payment will have an interest rate about a quarter of a percent higher than they would have before the fee change. Yep, the FHFA’s mortgage rate pricing penalizes home buyers who have worked hard, handled their money like responsible adults, and saved for a down payment. And how did it decide to cover the cost of helping riskier borrowers get loans? It raised fees on people with good credit and larger down payments. ![]() On May 1, the FHFA changed its mortgage fee structure for Freddie Mac and Fannie Mae (government-funded mortgage lenders) to make it easier for borrowers with low credit scores and low down payments to get a loan. If you’ve got a paycheck and a pulse, we’re gonna help you get a house! ![]() Federal Housing Finance Agency (FHFA) is sounding like a used-car salesman these days. ![]() ![]() Simba - Genie - Dumbo - Bambi - Tinker Bell - Mushu ![]() Tarzan - Aladdin - Ariel - Jack Skellington - Peter Pan - Beast The Final Keyhole appears in Xion's dreams as one of Sora's memories. The Final Keyhole appears in Sora's memories as Roxas dreams about them. However, Ansem has already departed for the End of the World and Kingdom Hearts. When Sora returns to Hollow Bastion, he defeats the Behemoth and locks the Keyhole. These are the Phantom, Kurt Zisa, and the Behemoths. When the Keyhole is revealed, a wave of darkness and several powerful Heartless are released. Kairi is revived, completing the Final Keyhole. Sora fights him off, but he uses the Keyblade on himself in order to save Kairi, freeing the hearts of the other Princesses and losing his own in the process. Ansem reveals that Sora is carrying Kairi's heart within him, and he attempts to release it with a Dark Keyblade. After defeating Maleficent, Sora confronts Riku, who has been possessed by Ansem, Seeker of Darkness. However, the Keyhole remains incomplete while Kairi is still missing her heart. Maleficent recruits Riku to her cause, telling him that he can rescue Kairi's heart with the power of Kingdom Hearts.īy the time the Princesses are all gathered, Maleficent and Riku are the only ones remaining. Maleficent and her accomplices begin to gather the Princesses of Heart to gain the powers of darkness and open the door to Kingdom Hearts. ![]() Microsoft offers additional Office 365 and Microsoft 365 plans for education, government, and nonprofit organizations, and for frontline workers. ![]() Microsoft 365 E3 and E5 Plans range from $36/user/month to $57/user/month annual commitment required These plans offer most of the same features as the Office 365 E3 and E5 plans, and also include Windows and additional Microsoft services such as Visio. The E5 plan adds advanced security, compliance, and management features. All plans include Exchange Online, OneDrive, SharePoint Online, and additional enterprise services. Desktop versions of Word, Excel, and other Office apps require an E3 plan or higher the E1 plan offers only web and mobile versions. Office 365 E1, E3, and E5 Plans range from $10/user/month to $38/user/month annual commitment required Tools included depend on the level of your subscription. Microsoft 365 Apps for enterprise $12/user/month (up to 5 devices per user) annual commitment required Includes Word, Excel, PowerPoint, Outlook, Teams, OneDrive, OneNote, Access, and Publisher. (Note, however, that it’s the only non-subscription version of Office available for large organizations.) Includes Word, Excel, PowerPoint, Outlook, OneNote, Access, and Publisher. According to Microsoft, it’s designed for regulated devices that can’t accept updates for security reasons and for systems that don’t connect to the internet. Office LTSC 2021 Available only through volume licensing This Office title stands for Long Term Servicing Channel this is the commercial version of Office 2021. ![]() The Premium plan adds advanced security and management features. All plans include Exchange email hosting, OneDrive, and SharePoint. Desktop versions of Word, Excel, and other Office apps require a Standard plan or higher the Basic plan offers only web and mobile versions. Microsoft 365 Business Basic, Standard, and Premium Plans range from $6/user/month to $22/user/month (up to 300 users) Tools included depend on the level of your subscription. Microsoft 365 Apps for business $8.25/user/month (up to 300 users) Includes Word, Excel, PowerPoint, Outlook, OneDrive, Publisher, and Access Office Professional 2021 $440, one-time purchase for use on one computer Includes Word, Excel, PowerPoint, Outlook, Publisher, and Access works with Teams ![]() Office Home & Business 2021 $250, one-time purchase for use on one computer Includes Word, Excel, PowerPoint, and Outlook Microsoft 365 Family $100 a year or $10 a month (5 users, multiple devices) Includes Word, Excel, PowerPoint, Outlook, OneDrive, Teams, and Family Safety For small businesses Microsoft 365 Personal $70 a year or $7 a month (1 user, multiple devices) Includes Word, Excel, PowerPoint, OneNote, Outlook, OneDrive, and Teams Office Home & Student 2021 $150, one-time purchase for use on one computer Includes Word, Excel, PowerPoint, and OneNote Microsoft Office: The options For personal use Here’s help deciding which version is right for you or your company. There are lots of incentives for doing just that. Microsoft has made its preference clear: The company believes that “ the cloud will power the work of the future” and would love it if everyone purchased Microsoft 365. Why choose to buy it one way and not the other? The answer can be confusing, especially since each suite of tools includes most of the same applications, give or take. In this story, we’ll use “Microsoft 365” as shorthand for all “365” subscriptions unless we’re referring to a specific plan. At the enterprise level, both Office 365 and Microsoft 365 plans are available. When this version was introduced in 2011, Microsoft called it Office 365, later renaming it Microsoft 365 for personal and small business subscriptions. Then there’s the subscription version that lives in the cloud and for which you pay a monthly or annual fee. There’s the “perpetual” version of Office that’s available as a one-time purchase the most current version is Office 2021. This suite of productivity tools is used by people working in 106 languages in nearly every country in the world, and it’s available in versions for personal, small business, enterprise, and educational use.īut there is more than one way to buy Office - or, rather, to buy the license to use it. Microsoft Office is how billions of people around the world go to work and school, whether they do it from home, an office, a classroom, or a combination of any of those. ![]() The company will then send you an offer for your first order from the site as well as ongoing exclusive offers not available to other customers. Join the Wingstop “ Club” and earn rewards like points on your purchases and a free birthday gift every year.Ĭreate an account with Wingstop by entering your name and email address after clicking the icon of a person in the upper-right corner of the homepage. These change all the time, so check back as often as possible. Just click on the deal you are interested in to take advantage of it. A few combo deals will be displayed that give you discounts for buying multiple items together. Scroll down to the homepage when you first visit the site. Get the best deal on your next Wingstop order with these easy and effective savings tips and tricks! Stacking and Combining Wingstop Promo CodesĪccording to our research, Wingstop does not currently allow coupons to be combined or stacked, so be sure to use the best Wingstop coupon code from CouponFollow on your next order. If you are still having any trouble, try a different Wingstop coupon code from CouponFollow instead. Make certain the promo code that you selected is valid and has not yet expired. What To Do If Your Wingstop Promo Code Isn't WorkingĬheck that you have correctly entered your Wingstop coupon code.Įnsure your cart meets the minimum purchase amount or any other requirements. Press the "+" button to enjoy your discount. 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Yes, you can get 15% off with Wingstop discount codes from sites like CouponFollow.ĭoes Wingstop offer an email newsletter incentive? Yes, when you join the Wingstop "Club,” you’ll get to enjoy free perks, like a free birthday gift every year. You can also get free delivery through other Wingstop promo codes offered online. ![]() However, the company does not have a regular offer for free delivery on the website. Yes, Wingstop does offer free delivery periodically to account holders or as a running promotion for all customers. ![]() The aim of this nonprofit organization is to provide access to water to the roughly 785 million people in the world who currently live without it. It’s not just about water, it’s about health, education, and the chance to enjoy a more fulfilling life. The philosophy behind charity: water is that access to clean water for drinking and hygiene can change the lives of those who are helped by the organization. In this post, we’ll introduce you to some of the best nonprofit website examples and offer tips to help you design your own. Whatever the purpose, it’s important that they’re always ready for new visitors. The purpose of a nonprofit website could be to increase exposure, collect donations, share activities, publicize upcoming events, distribute press releases, or create a community. You need to build a website that appeals to people’s better natures, and instead of selling them something for personal use, encourage them to offer something without material reward. Nonprofit web design is an art in its own right. The best nonprofit website should leave an impact on visitors, encouraging them to donate or get involved in other ways. Nonprofit websites come in all shapes and sizes and are used to communicate the mission of organizations through content and web design. Do you run a charity or nonprofit organization? Do you want to get your message heard by a bigger audience? Do you want to get people engaged and excited about your cause? 276 Pedersen round would've been a bit more like the 7mm-08 Remington than the commonly found versions found today. 276 T3 version, which was slightly lighter, had about 7 lbs of free recoil. 30-06 M1 Garand had free recoil of about 15 lbs, while the. Just don't adopt one like what's used on a 155mm howitzer if it can be avoided.Īlso, just for noting, I did read that a. ![]() One that functions heavily as a flash hider and doesn't produce a ton of concussion can be useful. Not that I'm totally against muzzle brakes. Of course, the AK-74 onwards adopted muzzle brakes, but the AK-200 rifles primarily use flash hiders, and the AK-19 also chiefly uses a flash hider. ![]() Find out how to identify them, the benefits of using them, and the compatibility with SilencerCo suppressors. But it was decided not to use brakes, due to concussion and muzzle flash tended to be excessive. Learn the differences between muzzle brakes and flash hiders, two types of muzzle devices that reduce recoil and flash of a gun. It's also notable that early AK-47s were tested with various muzzle brakes and comps in the late '40s/early '50s to try and promote full auto controllability. 'What's the difference between a flash hider and muzzle brake' It's a question we get asked quite frequently, so in this video we discuss the differences be. 308 SCARs and HK417s are often perfectly controllable, especially in semi auto (and often in full auto) usually with flash hiders, for those rifles muzzle brakes aren't a 100 percent must have unless you're using them as a race gun or expect to be doing a ton of full auto. 30 full power rounds that are hot rodded even in self loaders) or anti-material rifles due to caliber/power vs weight. The standard A2 'birdcage' flash suppressor is a no-no. ![]() NJ AWB law prohibits 'a flash suppressor or threaded barrel designed to accommodate a flash suppressor'. Muzzle brakes mostly reduce recoil, while compensators mostly reduce muzzle movement, and flash hiders reduce the flash produced from firing the weapon. I can understand that for bolt action rifles and magnum calibers (or. First, you need to get the terminology straight. Also, if the rifle is well designed as far as lay out, that too is a big advantage and reduces a need/want for a muzzle brake or compensator. A lot of times, it does seem that the self loading mechanism can absorb some of the recoil and aid in controlability. I've been thinking of this for a while, and in my own opinion, you usually don't need a brake for most semi auto rifles unless they're really light weight or magnum caliber or magnum level caliber for self loaders. ![]() The downside is that the rise of this new technology has made it easier for startups to compete with Google or undermine its market leadership On one hand, when properly leveraged, the tech could provide Google with a more secure way of storing user data, which could be a boon for the company and its customers alike. The rise of blockchain technology provides both opportunities and challenges for industry leaders such as Google. “Like many new technologies, we have individuals in various teams exploring potential uses of blockchain but it’s way too early for us to speculate about any possible uses or plans,” a Google spokesperson told Bloomberg. Google Duet: battle of the next-gen AI smart assistants Google is changing everything you know about Chromebooks And to try Blockchain Node Engine for yourself, reach out to the Google Cloud sales team for access to the Private Preview.Apple almost rejected Google for this key Safari feature ![]() To learn more about Blockchain Node Engine, please visit Google Cloud for Web3. We look forward to supporting organizations with a reliable, easy-to-use blockchain node hosting service so they can focus their time on innovating and scaling their Web3 applications. By reducing the need for a dedicated DevOps team, and by offering Google Cloud’s service level agreement (SLA), Blockchain Node Engine can let your team focus on your users instead of your infrastructure. Google Cloud actively monitors the nodes and restarts them during outages as needed. Blockchain Node Engine is a fully managed service, which can mean you don’t have to worry about availability. Additionally, other Google Cloud services such as Cloud Armor can help protect nodes from DDoS attacks.Įnsuring that blockchain infrastructure is ready and available, typically means having a DevOps team on-hand to monitor the system and remediate problems during an outage. By placing nodes behind a Virtual Private Cloud firewall, only trusted machines and users are able to communicate with client endpoints. Blockchain Node Engine offers security configurations that can help prevent unauthorized access to the nodes. ![]() Google Cloud’s Blockchain Node Engine can make this process faster and easier by allowing developers to deploy a new node with a single operation, and specify the desired region and network (mainnet, testnet).Ĭustomers that wish to secure their blockchain infrastructures currently have a limited set of options in the market. Syncing a full node from the first block (i.e., “genesis”) can take several days. geth), and waiting for the node to sync with the network. Today, manually deploying a node is a time-intensive process that involves provisioning a compute instance, installing an Ethereum client (e.g. With Blockchain Node Engine, Web3 organizations enjoy the following benefits: ![]() Web3 companies who require dedicated nodes can relay transactions, deploy smart contracts, and read or write blockchain data with the reliability, performance, and security they expect from Google Cloud compute and network infrastructure.Įthereum will be the first blockchain supported by Blockchain Node Engine, enabling developers to provision fully managed Ethereum nodes with secure blockchain access. While self-managed nodes are often difficult to deploy and require constant management, Blockchain Node Engine is a fully managed node-hosting service that can minimize the need for node operations. Nodes on a blockchain form a peer-to-peer network, constantly exchanging the latest blockchain data so that all nodes stay in sync. Instead of relying on a central entity to validate and store data, the governing infrastructure of a blockchain is a node - a device, such as a computer, laptop, or server, that contains a full copy of the transaction history of the blockchain. Building on our commitment to help Web3 developers build and deploy new products on blockchain-based platforms, today we’re thrilled to announce Google Cloud’s Blockchain Node Engine.īlockchains consist of transaction data that is permanently stored and encrypted, acting as decentralized databases of sorts. Blockchain is changing the way the world stores and moves its information. |
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