Getting the best possible rate on your mortgage can mean a difference of hundreds of extra dollars in or out of your budget each month - not to mention thousands saved in interest over the life of the loan. How to get the best mortgage rate for you Why trust Bankrate’s mortgage rates Caret Down The lender then passes the cost onto you in the APR on your loan. Mortgage broker fees: If you’re working with a mortgage broker on your loan, you won’t pay them directly rather, they charge the lender for their services.Origination fee : This is a fee - one of many closing costs - many lenders charge for creating or initiating your loan.One point on a $300,000 mortgage, for example, would cost you $3,000 upfront. Each point, also known as a discount point, costs 1 percent of the mortgage amount. Points : A point is an upfront fee you might choose to pay to lower your interest rate.Interest rate : This is simply the percentage rate of interest charged for the mortgage. The interest rate is the amount of interest the lender will charge you for the loan, not including any of the other costs. The difference between APR and interest rate is that the APR, or annual percentage rate, represents the total cost of the loan, including the interest rate and all fees and points. Learn more: Weekly mortgage rate trend analysis Current mortgage and refinance interest rates Inflation, the economy and Fed policy will remain the main factors driving mortgage rates in the coming months. Many homebuyers have been sidelined by higher rates, along with the ever-present issue of low inventory. In some areas of the U.S., rates are below 6.75 percent. If you’re shopping for a mortgage, keep in mind that 6.94 percent is just an average - some lenders advertise below-average rates on Bankrate. While the Fed doesn't directly set fixed mortgage rates, its monetary policies do influence their direction.Ī growing number of housing economists say mortgage rates could stay below 7 percent in the coming months. ”Little is happening to move rates,” says Dick Lepre, loan agent at CrossCountry Mortgage. Those readings are cooling expectations for a rate cut at the Fed’s next meeting. 11, the official inflation figure showed an uptick. 5, the Labor Department reported higher-than-expected jobs numbers. Two recent data points have slowed the momentum. However, any more sharp declines in mortgage rates seem unlikely, in large part because the Fed is again talking about keeping rates higher for longer. The Fed did signal several rate cuts in 2024, and mortgage rates responded by free-falling from 7.21 percent to 6.88 percent in a single week. Mortgage rates fell sharply in mid-December as the Federal Reserve wrapped up its final meeting of 2023 with no rate hike. The average rate on 30-year fixed mortgages dipped to 6.94 percent this week, down from 6.96 percent last week, according to Bankrate’s weekly national survey of large lenders. Mortgage industry insights Mortgage rates dip, but still-strong economy gets in the way of further declines In addition, though we strive to make our listings as current as possible, check with the individual providers for the latest information. Our site has comprehensive free listings and information for a variety of financial services from mortgages to banking to insurance, but we don’t include every product in the marketplace. Our advertisers do not compensate us for favorable reviews or recommendations. However, this compensation in no way affects Bankrate’s news coverage, recommendations or advice as we adhere to strict Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. In exchange for placement of sponsored products and services, or when you click on certain links posted on our site. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.īankrate is an independent, advertising-supported publisher and comparison service. Our experts have been helping you master your money for over four decades.
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When you are done outlining the desired letters, start filling it.You can use two colors, one of which is dark and one light. Don’t forget to choose a clean wall where you are going to display your creativity. Get your can, shake it well and you are now ready to go. In case you don’t have any idea about what color to pick, you can use the color wheel. Grab some spray paint and pick your colors. It is better to understand letter structure before you change it and add your style to them. If you are completely new to graffiti, start sketching the most basic letters you can. Step 2 – Give the letter a rounded hookĪ Graffiti artist always starts with sketching.Explore Outside to Paint Go out and Paint –. From the ancient walls of Pompeii to the streets of modern cities, graffiti has become a powerful visual language and an integral part of urban culture. It has given people a way to express themselves and to make a statement, and it has become an integral part of city life. Graffiti is an important part of modern cities, and it has had a profound influence on urban culture. Graffiti can also be used as a form of advertising, and many companies have used it to promote their products and services. Cities around the world are now using graffiti to enliven public spaces, to bring attention to social issues, and to create a sense of community. Graffiti has become a powerful symbol of urban life and culture, and it has also become an important part of city planning. In some cities, graffiti has become so popular that there is an entire industry dedicated to its production. Graffiti can be found in public spaces, on buildings, and even on the sides of trains and buses. It is a form of expression and communication that allows people to express themselves and to make their voices heard. Today, graffiti is an integral part of urban life in cities around the globe. What about graffiti alphabet letters today? Want to know more about the history and future of graffiti? As graffiti became more popular, it began to spread to other cities around the world and soon became a global phenomenon. This form of expression was quickly adopted by the youth of the time as a way to express themselves and to make a statement about their dissatisfaction with the established order. During this period, graffiti artists began to cover public surfaces with political and social messages. Graffiti first began as an expression of opposition to the status quo in the late 1960s and early 1970s. It is a form of expression that has been used by artists and activists around the world to express themselves and to make a statement. Graffiti is an art form that has been around for centuries and is now more popular than ever. Need some supplies? Check out our graffiti supplies or graffiti markers and pens page. Have done enough practice with the graffiti alphabet? Check out more than 35 graffiti characters and make them in your own style! The first step is to draw the graffiti alphabet from A through Z with a graffiti marker in your notebook. Whether you want the best graffiti alphabet styles or just want the practice just like the pro’s on the street. Graffiti alphabet letters and styles for you from the best artists on the planet All can be used and printed for free - provided that it's for educational purpose only. You can find a commercial Boeing Dreamliners, to a private jet, to a mighty warrior aircraft. The airplane model itself varies as well. They wouldn't have much issues tracing various thin lines and curves while coloring these airplane printables. There are, of course, other airplane coloring pages that are more detailed. If you prefer to download our airplane coloring pages instead of printing them directly from the website, you can do so by clicking on the DOWNLOAD NOW button. Such simple airplane coloring page is perfect for preschoolers, who still haven't fully developed their hand and eye coordination. If you want to teach them about it, why not start with these cool airplane coloring pages? All the drawings are unique and one may be simpler than the other. Explore 623989 free printable coloring pages for your kids and adults. As crazy as it sounds, one engine can provide enough thrust to let the airplane maintain its flight – given that none of other crucial parts is damaged.Īnyway, airplane is still an object of wonder for many people, especially kids. Feel free to print and color from the best 38+ Military Airplane Coloring Pages at. More interestingly, an airplane doesn’t need two engines to remain on the air. Speaking of airplane, did you know that all of them are designed to take lightning strikes head-on and survive? The special engineering in an airplane has made it possible for a huge electrical charge from lightning bolt to be flowed through the plane and eventually out of it without causing any damage. I have thousands of free coloring pages you can browse by category. I just can’t find enough confidence to be seated in a flying vehicle thousands of feet above ground. This post has all of my coloring pages with airplanes and helicopters. Yet, believe it or not, there are still many people that has zero flight experience, me included. Airplane was invented more than a hundred years ago and with the years that comes and passes, this aerial transportation has only become much more advanced. There are alternatives to InDesign and Quark that cost less. A single app, such as InDesign, costs $19.99/month, or $240 every year. That 600 bucks a year could be better spent. That plan expires soon and I'll be up to $49.99/month. As a graduate student, my subscription was $19.99/month the first year, then $29.99/month. Adobe launched its Creative Cloud in 2012. I now had my $600 InDesign, $700 Quark (the current version sells for only $849.95), and Photoshop and Illustrator (all in boxes). I knew how to prepare pages and export printable files, so I just had to get used to a new interface. I panicked! I was so used to Quark, I thought I'd never be able to produce anything in InDesign-I didn't even own it! I forked over $600 for a copy. In 2006, I switched to InDesign because a client required it. I started with PageMaker on a PC, then Quark on a PC, then Quark on a Mac, because that's what I was supposed to do. This was true for InDesign users as well. In 2002, Quark released version 5, but it was not compatible with Mac OS X, which led Quark CEO Fred Ebrahimi to declare: ".the Macintosh market is shrinking and dissatisfied users should switch to something else." Quark users still had to use Adobe Photoshop for photo editing, and Illustrator for vector imaging. Adobe launched InDesign in 1999 to replace PageMaker and compete with Quark. It was a given that graphic designers in the 90s worked on a Mac or Windows PC using Quark or PageMaker. If it doesn't cost hundreds of dollars, how could it be any good? In the beginning Many graphic designers refuse to believe that yes, they can. It may be a bit more difficult for long-time Adobe or QuarkXPress users to accept alternatives, or even chuck the Mac for Linux. Those starting out in graphics with open source tools would feel comfortable with them, not having anything to compare them to. "Macs are for graphics, PCs are for accountants!" Macs and Adobe are not the only way to produce graphic design, and never were. (Skip down to the end to see 10 of my favorites.)Ĭonventional wisdom says that in order to work in graphics one has to use Adobe software on a Mac. But this is not so: There are many fine professional-quality open source graphics applications out there. From file prep to print order and screen mesh counts to screen angles we have worked it out so you can achieve the best prints your shop has ever produced.Many graphic designers work with expensive proprietary software because they believe they have to, and it has to be Adobe. They are easy to follow and in fact save you time and money because shop standards reduce product waste and shop downtime. What is most important to your success is starting with a good, well saturated art file then following the sound pre-press and press guidelines. Others may need some assistance understanding procedures they are unfamiliar with and we are here to help. From job one many users will be sold on its ease of use and top-quality reproduction. Running Spot Process VueRite and achieving outstanding results is very simple and every shop can enjoy the fruits of our labor and experience. Match the on-screen Spot Process seps to your original file by using the built in color sliders then output the seps from your favorite illustration program, go to press and expect great results! Open your art file (TIFF / RGB mode) and in just seconds Spot Process delivers screen-print friendly, color separated channels. It is as much a software solution as it is an on-press procedure with proven techniques and consistencies that make your workday better and more profitable. Spot Process is as much a business solution as it is a tool for the artist. Profits grow when you offer more options and better quality to your customers, provide a faster turnaround, and incur little shop downtime. Stahls' Hotronix® Heat Press & Transfer Equipment Registration, Coating, & Drying Equipment Please be aware that when you visit one of our Quest Patient Service Centers: Scheduled appointments are strongly encouraged and will receive priority. We strongly recommend that you share your test results with your doctor in order to make the best health decisions. Click 1 of the categories below, or use Search by keyword (above), to find answers to frequently asked questions. Visit Quest Diagnostics today and get the quality care you need. You can also access your test results, pay your bills, and contact Quest through their website. New York residents may not purchase any other at-home kits. Quest Diagnostics offers easy and convenient online appointment scheduling for various types of tests, such as COVID-19, glucose, drug and alcohol, and more. Please note that New York residents may only purchase an at-home kit for a COVID-19 Active Infection Test. Tests with an At-Home Kit option can be purchased in all states except Arizona, New York (with the exception of the COVID-19 Active Infection Test), Alaska, and Hawaii, as well as Puerto Rico.Tests with an In-Person at Quest or In-Person at Drive-Thru option can be purchased in all states except Arizona, Alaska, and Hawaii, as well as Puerto Rico.Quest offers testing you can purchase for yourself, with physician oversight, as follows: Then, have your specimen collected for the testing you purchased. Get directions, reviews and information for Quest Diagnostics in East Aurora, NY. Licensed professionals from PWNHealth LLC and affiliated professional entities (collectively, PWN) will provide clinical oversight of your lab testing, including ordering your selected tests, when appropriate. You can select and pay for lab tests here. Look for more information about the AWN here. If you need help paying for the tests you need, our Patient Assistance Program may be able to help.ĭuring your appointment, you may be asked to sign an Advance Written Notice (AWN). Health plans do not cover all healthcare services. In certain cases, for tests that Quest Diagnostics knows are likely not covered based on a health plan’s policies, we’ll issue you an AWN to notify you of your potential financial responsibility, and we’ll ask that you review and sign it if you’d like to proceed with the service(s). If you have questions about your coverage, contact your insurance company. Your responsibilities typically include copays, deductibles, coinsurance, and any testing services not covered by your plan. Appointments take priority over walk-ins. Make an appointment now and youll have little to no wait time when you arrive. Whether you’ll owe a portion of lab testing completely depends on your insurance. Quickly find an appointment thats convenient for you. We don’t hold your funds and won’t charge you if your insurance pays the full amount. For more information and to schedule a visit, call Quest Diagnostics at at (516) 6777715. You’ll authorize an amount based on the estimated out-of-pocket cost of your lab test-but we’ll only charge your card if there’s a patient cost after we bill your insurance company. Book a lab test with Quest Diagnostics, a clinical laboratory offering a comprehensive array of routine and specialty lab testing services at 165 N Village Ave, Rockville Centre, NY, 11570. You will need to provide a credit, debit, or health savings card during your Quest Diagnostics visit. You pilot your aircraft with an outside-the-chopper, 3/4-overhead view that scrolls a mean 360 degrees. On StrikeĮA must be on a mission to corner the 16-bit 'copter gunship market with this game, their Desert Strike Genesis game, and their LHX Attack Chopper. Desert Strike: Return to the Gulf by Electronic Arts combines excellent graphics with slam bang SNES chopper action. You will, even if you had your head buried in the sand during Operation Desert Storm. Succeed, and you get to low five the Prez. Fail, and you suffer the mother of all defeats. Your commander is rotund and wears camouflage fatigues. A bearded, Middle Eastern "madman" has invaded a neighboring country. Watching your enemies spin on their heels just before dying, after being shot. It would be nice if you could get your armor replaced-especially after getting hit left and right. So give it your best shot and find your men! THE GOODįeeling the firepower as you blow up an entire command center and then go on for more. The enemy has employed tanks, bazookas and mobile rocket launchers in your vicinity in an attempt to stop your mission from being completed. Of course, you'll also be running into surprises along the way. At the Options Screen you can switch your weapon buttons in order make the chopper more controllable. Use your radar to find the enemy and search out the locations of your men as well as useful fuel tanks and missile crates. You strike with a Blackhawke attack chopper that carries an arsenal of missiles and rotary guns. Your mission: to rescue all of the MIAs, including a secret agent who carries some useful information, then destroy the enemy's vital areas. Luckily, enemies won't acknowledge your presence until you're almost on top of them, which works to your advantage. However, you can only see a small portion of the landscape at a time. The screen in Desert Strike scrolls 360 degrees. Don't Fire 'Til You See the Whites of Their Eyes To aid your missions, your chopper has a detailed map that pinpoints approximate locations of enemy targets, fuel, ammo, and landing sites. Your fuel supply is also scarce, but that's findable too. You have limited ammunition, so keep hunting fa ammo crates. You launch Hellfire Missiles, release Hydra Missiles, and fire Chain Guns. You survey the terrain from above your chopper, and then maneuver in any direction. Unlike the few military strategy games available, this helicopter game requires more action than originally thought - that is if you want to survive four hellacious missions. If you ever played with those little plastic army men, you'll enjoy Desert Strike by Electronic Arts. If not, the worst you could do here is crash and burn. If you're a chopper jockey, you can't go wrong with Desert Strike. Kudos to Domark for keeping the spirit and action of the original title intact. Once you get the aiming and flying down, though, you'll love this game, especially if you're a fan of the other Genesis titles. You never know when your missiles connect, or when they fly off target. The only problem is the awkward control of the choppei and the missiles. Every shot and explosion will rock your Game Gear. The music is minimal, but the sound effects are crystal clear. Finding missile-shooting soldiers will be a little harder since the terrain flies by so fast, but they're still there. The graphics, although sparse, are close to the original (the Genesis version didn't abound with scenery, either). This translation to the small screen is a good one. Your ammo runs out, but there are Ammo crates and Fuel Drums for you to pick up. Powering you through these treacherous missions is an onboard supply of weapons, including Hydra missiles, Hellfire rockets, and a body-bustin' machine gun. You also have to find and rescue MIAs and Secret Agents. You have to track down scurrilous Commanders, shoot enemy artillery, blow up command centers, and more. In Desert Strike, you're a helicopter jockey with a full mission list, on assignment in the Gulf. Almost every detail has been retained in this shoot first, ask later war sim. Fans of this Genesis classic are going to jump for joy when they see this faithful translation by Domark. If you experience symptoms of trauma but aren’t sure why, spend some time with a counselor or trusted friend talking through your past experiences to get a reality check on how normal they actually were. I’ve often heard minimization of emotional abuse in families or the impact of divorce simply because it was considered to be “normal” in your family. However, you may have a tendency to minimize the impacts of "small t" traumas as you compare them to the pain of more major traumas. "Big T" traumas are often easy to discern and connect to your symptoms. It may be clear to you that you have experienced a traumatic event. What are some indicators that you might be having a response to trauma? You witnessed and were impacted by one or more distressing events. These events can have similar traumatic effects and symptoms of a major trauma. These include such events as effects of divorce, emotional abuse, complicated grief, betrayal in the form of an affair or sexual addiction, or various other events. Yet oftentimes people experience smaller-scale traumas that accumulate over time, or what we would call “small t” traumas. Yes, events such as abuse, violence (sexual or otherwise), tragic accidents, and serious injuries are major traumas that cause lasting effects, and are what would be explained by counselors as “big T” traumas. As psychologists, we define trauma as “an emotional response to a terrible event like an accident, rape, or natural disaster,” which is accompanied by several short and long term effects.īut this definition limits our understanding of trauma. In the dictionary, trauma is defined as a deeply distressing or disturbing experience. You might look at your reactions and feel as though you are crazy. What is happening to me? Eventually your sobs slow down and lull you back into fitful sleep.Įxperiencing the effects of trauma can be disorienting, distressing, and lonely. You feel sick to your stomach.įinally, exhausted by this burst of adrenaline, you curl under the covers of your bed and the tears begin to fall. You would yell and scream and throw things too if you found out your husband was cheating on you with multiple women. Seriously? I am sick of everyone trying to blame me for the things he’s done. Adrenaline is coursing through your veins, your heart starts to pound, and you feel wide awake, like you could jump out of bed and run a marathon. Your emotions do a complete 180, and you’re furious. Suddenly, an image flashes into your head of discovering your husband’s betrayal. You hear the sound of a siren or a car alarm on the street outside your house and you jump back, startled. I mean, it probably was partially my fault anyway. Why am I up in the middle of the night again? What happened to me wasn’t even that bad, people have had much worse things happen to them. You can’t fall asleep again, and your mind is racing with anxious thoughts. You don't really remember what happened, but you're still feeling deep and intense fear. It’s 2am, and you’ve woken up in the middle of the night after disturbing nightmares. Klondike Solitaire uses a deck of 52 cards that need to be laid out in houses (by suit). Do not forget to do exercises for the mind and do not deny yourself a kind of meditation with the help of solitaire "Klondike". Solitaire does not need to be installed and downloaded to start the game, just have access to the Internet. Monotonous movements of the mouse when playing solitaire produce no less calming effect than sorting out the rosary.To improve memory and boost cognitive functions, you need to spend about 15 minutes playing every day.Twenty minutes of the game is enough to relax, relieve tension and avoid stressful situations with a busy work schedule. In some companies in the West, the game of "Klondike" is welcomed as a way to improve performance.The king's servants brought solitaire games to Louis VIII's chambers. Soon, the guards appreciated the exciting game, and they shared their knowledge with colleagues who served at the Royal court. For them, playing cards was one of the few entertainment options available. Solitaire games were invented by prisoners of French prisons.Now the original tasks are no longer relevant, but the popularity of Klondike Solitaire has not decreased. The game was built into the operating system so that novice users get used to working with the interface. The computer version of Klondike Solitaire for Windows was developed in 1988 by Wes Cherry and since then, solitaire is played even by those who have never held a card in their hands. Presumably, Klondike Solitaire was brought to the New World from England, the birthplace of this solitaire is Germany or Sweden. In Canada and the United States, the game is called Klondike, it is believed that this version of the game appeared at the end of the XIX century during the gold rush. Translated from French, patience means patience, which is a quality that a player will need when playing cards. Solitaire became a fashionable pastime in the 17th century at the court of Louis VIII. If you want to pass the time, calm your nerves and start the cognitive process, play solitaire - this is a great exercise for the mind, an opportunity to retire and collect your thoughts. After a few online sessions, you will be able to re-evaluate the current problems and perhaps find an unexpected solution. The last update happened on January 4, 2024.Klondike Solitaire will help you get away from important things for a while. We strive to have the best card game website out there, so we frequently update our site. You can toggle sound, set autoplay, turn three cards or turn one card at a time, change the design, and much more under settings. Our game contains unlimited free gameplays, undo's, and hints. No matter what type of game you choose, you get unlimited hints and undo's, so help is only a click away. You can choose to play a winnable deal or challenge yourself with a random shuffle or see if you can beat the daily challenge. You can download the game or play solitaire online, whatever you prefer. First of all, it's free, so you don't ever have to pay for anything. Our game has all the features you could want from a klondike solitaire card game. If you're looking for a more relaxing card game, then we recommend a game of FreeCell, but if a challenge is what you're looking for, then you should give Spider Solitaire a shot. You still get to challenge yourself and develop your strategic muscles, but playing the game is a more laid-back experience than the classic card game. Klondike Solitaire Turn One is a great alternative to the classic solitaire, where you turn three cards at a time. It can be alloyed with iron and carbon, for example. As a refractory metal, it is highly resistant to heat and abrasion, which is why titanium and its alloys are popular. Even in its pure form, titanium is harder than many steel forms. While it does not quite compare to other any other metal on this list in terms of Brinell Hardness, titanium has an impressive strength to weight ratio. Since it is easier to handle as well as more abundant than platinum group metals, chromium is a popular element used in alloys. Chromium is valued for its high corrosion resistance as well as its hardness. On the Mohs scale, which measures scratch resistance, it is found among the top. Chromium (687-6500 MPa)Ĭhromium is an element often found in alloys, such as stainless steel. When it is alloyed with other platinum group metals (such as iridium, platinum and palladium) it can be used in many different areas where hardness and durability are needed. This is also why Osmium does not melt until 3033 ☌, a temperature that makes it difficult to work with the metal. In fact, it is the densest, naturally occurring element on Earth with 22.59 g/cm3. Osmium belongs to the platinum group metals and displays a high density. Borocoat for example, optimizes the hardness of steel without making it brittle. There exist many techniques of tempering steel to improve the wear protection of steel, heat tolerance and protection against abrasion. Due to the many variations and levels of quality steel can adopt, there is no uniform hardness value. It is the most used material in construction, mechanical engineering, and other industries. Steel is an alloy metal made of iron and other elements, such as carbon. Iridium ranks among one of the rarest Elements on Earth’s surface, as well as one of the most corrosion-resistant elements. Since it is very hard, iridium is also quite brittle, which is only aggravated by its very high melting point of over 2,000 ☌. Iridium belongs to the platinum group of metals, resembling platinum in its look. Like Tungsten, Iridium is a chemical element that shows signs of high density and a tolerance of high temperatures. Tungsten is often utilized to create hard alloys, such as high speed steel, to increase protection against abrasion as well as improve electrical conductivity. In its rare form, tungsten is hard to work with due to its brittleness, which can be changed when turned pure. Also known as Wolfram, the rare chemical element exhibits a high density (19.25 g/cm3) as well as a high melting point (3422 ☌/ 6192 ☏). Tungsten is one of the hardest metals you will find in nature. 14 Strum notes + 28 ways to play for every chord.Multiple Capo Logics - providing various options of automatic fingering logic to cover different performance such as solo, chorus, and so on.CPC (Customized Parameters Control) - any controller can be controlled by MIDI CC or Automation.Sustain, Hammer On & Pull Off, Palm Mute, Pop 5 articulations. 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