7/30/2023 0 Comments Ezip mortgage![]() The face amount will be slashed by higher-than-average closing costs, origination fees, upfront mortgage insurance, appraisal fees and servicing fees over the life of the mortgage. You don't receive the full value of loan.A reverse mortgage does not guarantee financial security for the rest of your life.Here's what you need to know to avoid being misled by reverse mortgage advertisements: Many ads did not mention information about interest rate or repayment terms. "The incompleteness of reverse mortgage ads raises heightened concerns because reverse mortgages are complicated and often expensive," the report states. Yet, the CFPB study found, many of these ads were characterized by ambiguity about the true nature of reverse mortgages and fine print that is both difficult to read and written in language that is difficult to comprehend. This makes them all the more vulnerable to sales pitches for reverse mortgages from trusted celebrities such as Robert Wagner, Pat Boone, Alex Trebek, former Senator Fred Thompson and Henry Winkler, who played the lovable cut-up "Fonzie" on Happy Days. Women, in particular, have a greater likelihood of outliving their assets due to lower savings and pensions. That's because an increasing number of Americans are retiring without pensions and, according to the Employee Benefit Research Institute, nearly half of retired Baby Boomers will lack sufficient income to cover basic expenses and uninsured health care costs. ![]() The reverse mortgage market makes up approximately one percent of the traditional mortgage market, but this figure is likely to increase as the Baby Boom generation-those born from 1946 to 1964-retires. And, according to a report from the Consumer Financial Protection Bureau, many advertisements are incomplete or contain inaccurate information. (What's your experience with reverse mortgages? Share your thoughts by leaving a comment below.)īut while a reverse mortgage may increase your monthly income, it can also put your entire retirement security at risk. Also, these loans, usually called Home Equity Conversion Mortgages (HECMs), are federally insured. ![]() The loan doesn't have to be repaid until you or your spouse sells the home, moves out, or dies. The money you get is usually tax-free and generally won't affect your Social Security or Medicare benefits. It takes part of the equity in your home and converts it into cash payments. However, the ads don't always tell the whole story.Ī reverse mortgage is a special type of home equity loan sold to homeowners aged 62 and older. Reverse mortgages sound enticing: The advertisements you see on television, in print and online give the impression that these loans are a risk-free way to fill financial gaps in retirement. ![]()
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7/30/2023 0 Comments Cruise phone number press 1 or 2![]() ![]() Note the difference between SMS (text only, up to 160 characters long) and MMS (a message that contains media including photos, videos and audio files). These are the major US carrier’s cruise plans. Cruise versus land-based roaming charges differ, with land-based reception often the less-expensive option. Depending on the port, there might not be land-based reception. Once you’re in port, double-check whether your phone is connecting via the ship or the local land-based cell tower. These plans charge a premium for use through the ship’s satellite connection. If you plan on using your phone at sea, some service providers have cruise-specific plans available for when you’re at sea. Related: 15 ways that cruising newbies waste money on ships Can I access cruise-specific phone plans and costs? If something seems off, contact the service provider’s customer service. Use the ship’s Wi-Fi to monitor usage on your service provider’s app. If you forget, you won’t be charged for incoming calls you don’t accept, but some service providers will charge for unread text messages that arrive while your phone is roaming. Keep a watchful eye on your “airplane mode” setting, ensuring it’s always on when you’re on board your cruise ship. Expect an alert via SMS text that you’re headed into roaming territory, but beyond that, service providers won’t necessarily notify you of overages and fees - you’ll just be surprised with a large charge on your next bill. It’s up to you to make sure your phone settings are adjusted to keep you from roaming at sea. ![]() Related: 7 extra-charge items on cruise ships that are worth the cost (and 7 that aren’t) What if I accidentally use roaming services while on board? Toggle on the Wi-Fi and Bluetooth features and make use of your phone in other ways. But don’t worry: Your smartphone won’t be completely useless for the trip. Better to keep cellular service off.Īirplane mode will switch off your phone’s transmitters for cell signal (calls and text messages) and data (browsing the web, using apps) ensuring you will not be privy to unwanted charges. Even if you’re not actively using your phone, your smartphone is constantly utilizing data in the background, racking up charges you’re not even aware of. ![]() If you want to avoid extra charges from your mobile phone service provider, put your smartphone on “airplane mode” sometime between boarding and when the ship sets sail. The Points Guy will not share or sell your email. I would like to subscribe to The Points Guy newsletters and special email promotions. How can I avoid cellphone charges on a cruise? Depending on where your ship is in the world and whether anything (like a mountain range) is blocking the connection to the satellite, your phone may not work temporarily for calls or Wi-Fi access.Īny part of your phone that does not require a network (downloads, photo apps, alarm clocks) will function as normal on board. You may experience lag time on calls or slow connection speeds. At sea, you can either make calls via a satellite connection or pay for the ship’s Wi-Fi (also via satellite) and make Wi-Fi calls, text or video chat via the internet.īandwidth and connection speed can be an issue at sea. In port, you can connect to local roaming networks. Yes, you can make calls, text, and even video chat from a cruise ship. Here’s your guide to using cellphones on cruise ships and avoiding high fees while you sail the high seas.įor cruise news, reviews and tips, sign up for TPG’s cruise newsletter. What’s the smartest way to use your smartphone at sea without racking up a bill that costs more than your inside cabin? Will a cellphone even get reception in the middle of the ocean? Simply put, you can't use a cellphone on a cruise the way you can on land without incurring outrageous roaming charges. But if your vacation plans involve a cruise, you will need to consider rethink your phone use. Most travelers depend on their cellphones for directions, photos, recommendations, wake-up alarms and ride hailing, not to mention calls and texts. ![]() 7/30/2023 0 Comments Best phraseexpress libraries![]() In this app, you’ll type in the sentence you need and it spits out a Japanese rendering for you. You will need to be connected to the internet to use this app, but on the bright side, it’s free. If you’re traveling around Asia, you might want to check this out. PapaGo also translates between various Asian languages, including Korean, Vietnamese, Thai, and Chinese. You’ll be passing the phone back and forth between you and another person speaking a different language into the phone. It also allows you to have a simultaneous conversation in two languages using the app. PapaGoĭeveloped by Naver, this app does text, voice, and photo translation. I tested this with a free trial of the paid version. As a bonus, it works offline once you’ve downloaded the requisite language packs. While you can translate between English and Japanese, there are around 40 language pairs available. This app offers text, voice, and photo translation. The app limits you to 10 free translations a day beyond this, you’ll need to purchase the app. You are also able to hold the phone up to a given text or set of words and have Waygo render a translation. This does rely on some prior knowledge of Japanese, Chinese, or Korean characters. This app allows you to write or ‘draw’ kanji characters onto the screen. It’s available on iOS and Android (but of course) and is free for use. This is then read out to you in the target language. Google Translate records and renders your words into text, then produces a translation. There’s also an option to speak into the phone’s inbuilt microphone. You can also type in English text that will be translated into Japanese (or other languages) and vice versa. Using this app, you point your phone camera at the text you want to read, and the optical character recognition (OCR) technology “reads” the text and displays the translation directly on your phone screen, displacing the original text. There are three main parts to this app: photo, voice, and text translation. ![]() In no particular order, these are the apps I tested: 1. These were downloaded from the App Store on an iPhone, though some of these will also be available on Android. I took six translation apps out into the Tokyo wilderness for a spin. For this reason, I didn’t include grammar-focused Japanese-learning apps, ‘phrasebook’ apps, or dictionary apps. The goal was to find useful, intuitive apps that non-Japanese speakers could use to communicate with locals, figure out what’s what, and generally get around. There are quite literally hundreds of translation apps out there. – image © Florentyna Leow Japanese–English and English–Japanese Translation Apps for iPhones Spoiler: It’s not 100% accurate, but out of all the apps I tested, Photo Translator performed best with handwritten menus. ![]() Test-driving translation apps for Japan travel.Japanese–English and English–Japanese Translation Apps for iPhones. ![]() 7/30/2023 0 Comments Da capo 3 r game![]() ![]() ![]() Oh boy I thought it's just another one of these well at least I got it for free. ![]() The game starts out relatively mundane you play as Kiyotaka a Japanese high school student who is on a Newspaper club that (surprise) is filled by a group of attractive women who just happen to all have varying degrees of crushes on him. I was quite confused as to what the name actually meant my first playthrough and I eventually chalked it up to just a meaningless phrase that is sometimes thrown onto Japanese games like Symphonia. I went in knowing nothing about the series or the game itself so forgive me if this stuff is to be expected or is already known I will do my best to mark potential spoilers.ĭa Capo is a musical term literally meaning repeat from the beginning. I'm honestly not sure how many people have actually played this but if you are into Visual Novels after just finishing it I will say I highly recommend checking it out. I actually got it for free from the publisher through a random contest that I had forgot I entered. Even better if I convince people to play it who haven't.ĭa Capo III R is a relatively long Visual Novel available on Steam with one of the highest amounts of translated text of any officially released VN in English. I know GAF doesn't have a massive VN following but i just finished this and was hoping to get some discussion going about it as I would love to hear other opinions/thoughts I hate finishing a game I enjoyed and not having people to discuss it with. ![]() 7/30/2023 0 Comments Weathercat error web cam![]() ![]() Move the files associated with your custom website if you have one running.If you are a Davis weather station user and have needed to use Davis's own WeatherLink software to make adjustments to your console or Weather Envoy, then you should copy the WeatherLink software also to your target computer.If you are using any integration software (for example WeatherCat AppleScripts) you must copy them from your source to target computer and place them in the same directory structure as you have on your source computer.Not all of these folders may be present depending on your WeatherCat configuration. ~/Library/Application Support/WeatherCatUpdate. ![]() ~/Library/Application Support/WeatherCatTemp.~/Library/Application Support/WeatherCatMedia.~/Library/Application Support/WeatherCatCustomWeb.Copy the following folders from the source computer to the target computer, placing them in exactly the same file location as on your source computer:.Another way to make this folder visible is to hold down the Option key while clicking on the Go menu in the Finder. You can make it visible again via the following terminal command: chflags nohidden ~/Library/. If you are running OS X 10.7 or later, the Library folder is hidden.Note: WMR200, WH1080/2080/3080 stations do not need drivers to work with WeatherCat.Also be sure to install the correct drivers for your station or USB to serial converter* on the new machine before running WeatherCat.Place a copy of the WeatherCat application folder in the target computer's Application folder.If you are upgrading your Macinitosh the OS-X you can use the migration assistant that comes with OS-X to do this for you automatically. There are times when it is necessary to relocate your WeatherCat installation from one computer to another. ![]() 7/30/2023 0 Comments Ragtime the musical![]() ![]() ![]() Composers Lynn Ahrens and Stephen Flaherty were joined by original cast members Brian Stokes Mitchell (Coalhouse), Audra McDonald (Sarah), Peter Friedman (Tateh), Mark Jacoby (Father), Judy Kaye (Emma Goldman) and Steven Sutcliffe (Mother's Younger Brother). On March 26, 2021, cast and crew members of the original Broadway production reunited for a livestream on the web series Stars in the House. According to The New York Times, "The chief competition for The Lion King was Ragtime, a lavish musical." The New York Times also noted that "The season was an artistic success as well, creating one of the most competitive Tony contests in years, with a battle in almost every category capped by the titanic struggle for the best musical award between Ragtime with 13 nominations and The Lion King with 11." The Broadway production was not financially successful, and some Broadway insiders consider its lavish production to have been the financial "undoing" of Livent. The musical won awards for Best Featured Actress (McDonald), Original Score, Book, and Orchestrations. Ben Brantley's review in The New York Times was headlined "A diorama with nostalgia rampant." It led the 1998 Tony Awards with thirteen Tony Award nominations, but Disney's The Lion King won as Best Musical. The production received mixed reviews, with critics noting that the dazzling physical production (with a $10 million budget, including fireworks and a working Model T automobile) overshadowed problems in the script. The production was conducted by David Loud. The original cast featured many of the actors from the original Toronto production, including Brian Stokes Mitchell as Coal House Walker, Marin Mazzie as Mother, Peter Friedman as Tateh and Audra McDonald as Sarah, all of whom were nominated for Tony Awards, as well as Steven Sutcliffe as Mother's Younger Brother, Judy Kaye as Emma Goldman, Mark Jacoby as Father and Lea Michele as Tateh's Daughter. Directed by Frank Galati and choreographed by Graciela Daniele, Ragtime closed on Januafter 834 performances and 27 previews. It was the first production in the newly opened Ford Center for the Performing Arts. The Broadway production began previews on Decemand officially opened on January 18, 1998. The US premiere was at the Shubert Theatre, Los Angeles in June 1997. It was produced by Canadian impresario Garth Drabinsky and his Livent Inc., the Toronto-production company he headed. The musical had its world premiere in Toronto, where it opened at the then-called Ford Centre for the Performing Arts (now the Meridian Arts Centre) on Decemand ran for 9 months. Production history Original Toronto and Broadway production Morgan, Henry Ford, Stanford White, Harry Kendall Thaw, Admiral Peary, Matthew Henson, and Emma Goldman. ![]() The show also incorporates historical figures such as Harry Houdini, Evelyn Nesbit, Booker T. Set in the early 20th century, Ragtime tells the story of three groups in the United States: African Americans, represented by Coalhouse Walker Jr., a Harlem musician upper-class suburbanites, represented by Mother, the matriarch of a white upper-class family in New Rochelle, New York and Eastern European immigrants, represented by Tateh, a Jewish immigrant from Latvia. It is based on the 1975 novel of the same name by E.L. Ragtime is a musical with music by Stephen Flaherty, lyrics by Lynn Ahrens, and a book by Terrence McNally. ![]() 7/30/2023 0 Comments Gpsbabel portable![]() Map add-ons management (icons, comments).Viewing 3D raster maps on Google Earth (for supported image formats).Database with over 3000 predefined projections by geographic area.Grid (Ordnance Survey National Grid), Irish Grid, metric coordinates with custom projections Representation of coordinates in: degrees, degrees-minutes, degrees-minutes-seconds, UTM, ECEF, Georef, US National Grid, British.10 cartographic projections of the most used.Ability to open multiple maps simultaneously.Display hybrid maps (raster + vectorial data).Calibration / display raster maps (over 30 image formats) (video).Ability to add new custom web map servers.Display web maps for more than 40 servers.This feature support not north oriented maps also. You can also select the tiles to generate in output. ![]() It’s possible select KML extensions 2.2 (if GPS supports them), the JPEG quality, the image resizing, the KML transparency, the draw order, and so on. This feature includes map tiling from and to different image file formats (including ECW map format). OkMap include a feature to generate automatically compatible Garmin Custom Maps (KMZ format) and maps in OruxMaps format. With Google Earth you can view your paths and your maps in 3D also. With Google Maps you can view maps and data of your interest. OkMap can also interface Google Maps and Google Earth. If you are connected to the network you can constantly send your position to a remote computer, or receive the position of your companions on your computer and display the related tracks on maps in real time. They can also be used to create different types of statistics.īy connecting a GPS to your laptop, you can plot your position on maps in real-time. Data collected by your GPS can be downloaded on your computer, stored and displayed on the maps. Furthermore OkMap provides you also with autorouting and geocoding functions. OkMap sets automatically altitude data and estimates travel times. Through these maps, you can organize your paths by creating waypoints, routes and tracks on your computer monitor, and upload this data to your GPS. OkMap can also import vectorial data from the most common formats and DEM data relevant to height information. OkMap is an interactive software which allows you to work on your computer screen with web maps or digital maps that you have either bought or scanned. In the suite you can find a navigation system with offline maps and web maps, maps download from map servers, creation of custom maps to use with your GPS, design of trails on a map GPS, navigation with a compass, production of track statistics and track graphs and many others features.Ī GPS cartographic software for Windows. Thanks to its overall simplicity, it appeals to beginners and experts alike.OkMap is a suite of cartographic applications (for Windows, iPad, iPhone) for professional activities in the field, outdoor sports, and your enjoyment in the nature (search and rescue, trekking, mountain bike, 4WD, geocaching and much more). To sum things up, GPSBabel is a handy application that can help you convert a wide range of waypoints, tracks and routes from one format to another. track to waypoints, routes to tracks), as well as swap coordinates. ![]() The track filters can be customized by adding a title, merging or splitting the files, and selecting the GPS fixes, while the waypoints filters can get you details about duplicates, radius and position parameters.Īdditionally, you can select the data type, such as routes, tracks, and waypoints, and the conversion method (e.g. The application bundles some built-in filters for tracks, waypoints, and routes and tracks. You start off by adding the files you want to work with, and input can either come from a file on your computer or a connected device. It supports the following formats: TRL, VPR, MMO, BCR, TWL, SSZ, RWF, SRT, OVL, DAT and many others. The application provides a comprehensive list with the map file formats that are supported, and you can enable or disable the selected items. ![]() You can select to synthesize short names, enable character set transformation, preview the maps in Google Maps, and view debugging diagnostics. Thanks to its intuitive layout, it doesn’t take a lot of time to get used to working with this tool. It sports a clean interface that allows users to perform several actions on the go. GPSBabel is an application that can help you convert waypoints, tracks and routes between GPS receivers and mapping programs from one format to another. ![]() 7/30/2023 0 Comments Carbon nanotube crystalviewer![]() Electrical signals were generated as the person repeatedly bent their elbow, demonstrating the potential use of the fibers for sensing and harvesting human motion. The team also sewed the CNT yarns into a cotton fabric patch that was then wrapped around a person's elbow. They also arranged multiple plied twistrons in an array weighing only 3.2 milligrams and repeatedly stretched them to charge a supercapacitor, which then had enough energy to power five small light-emitting diodes, a digital watch and a digital humidity/temperature sensor. In one demonstration they simulated the generation of electricity from ocean waves by attaching a three-ply twistron between a balloon and the bottom of an aquarium filled with salt water. The team conducted several proof-of-concept experiments using three-ply twistrons. The researchers found that constructing the yarn from three plies provided the optimal performance. We have a large team of theorists and experimentalists trying to understand more completely why we get such good results." This densification pushes the carbon nanotubes closer together and contributes to their energy-harvesting ability. "When you stretch them, instead of becoming less dense, they become more dense. "Our materials do something very unusual," Baughman said. This process brings the plies in contact with one another in a way that affects the electrical properties of the yarn. "These twistrons have a higher power output per harvester weight over a wide frequency range - between 2 Hz and 120 Hz - than previously reported for any non-twistron, material-based mechanical energy harvester," Baughman said.īaughman said the improved performance of the plied twistrons results from the lateral compression of the yarn upon stretching or twisting. Previous versions of their coiled twistrons reached a peak energy conversion efficiency of 7.6% for both tensile and torsional energy harvesting. In experiments with the plied CNT yarns, the researchers demonstrated an energy conversion efficiency of 17.4% for tensile (stretching) energy harvesting and 22.4% for torsional (twisting) energy harvesting. Welch Distinguished Chair in Chemistry in the School of Natural Sciences and Mathematics. "In contrast, our highest-performance carbon-nanotube-plied twistrons have the same-handedness of twist and plying - they are homochiral rather than heterochiral," said Baughman, the Robert A. MacDiarmid NanoTech Institute at UT Dallas and the corresponding author of the study. This heterochiral construction provides stability against untwisting," said Dr. "Plied yarns used in textiles typically are made with individual strands that are twisted in one direction and then are plied together in the opposite direction to make the final yarn. Instead, they intertwined three individual strands of spun carbon nanotube fibers to make a single yarn, similar to the way conventional yarns used in textiles are constructed - but with a different twist. In the new study, the research team did not twist the fibers to the point of coiling. Electricity is generated by the coiled yarns by repeatedly stretching and releasing them, or by twisting and untwisting them. Previous versions of twistrons were highly elastic, which the researchers accomplished by introducing so much twist that the yarns coil like an overtwisted rubber band. ![]() To make twistrons, the nanotubes are twist-spun into high-strength, lightweight fibers, or yarns, into which electrolytes can also be incorporated. Twistrons sewn into textiles can sense and harvest human motion when deployed in salt water, twistrons can harvest energy from the movement of ocean waves and twistrons can even charge supercapacitors.įirst described by UTD researchers in a study published in 2017 in the journal Science, twistrons are constructed from carbon nanotubes (CNTs), which are hollow cylinders of carbon 10,000 times smaller in diameter than a human hair. Their new version is constructed much like traditional wool or cotton yarns. ![]() ![]() 26 in Nature Energy, UT Dallas researchers and their collaborators describe improvements to high-tech yarns they invented called "twistrons," which generate electricity when stretched or twisted. ![]() 7/30/2023 0 Comments X moto cool math games![]() Drag your mouse to catch the fish, and remember to upgrade your gear to get more and bigger fish. Your goal is to make money by catching as many fish as you can.Tiny Fishing is a fun fishing game developed by Mad Buffer. Be sure to time it right so you can get the maximum depth! While holding your mouse or finger down, drag your hook to pick up fish as you real your line in. Your goal is to make money by catching as many fish as you can.TOP 10 COOL MATH GAMES Run 3 Tiny Fishing Moto X3M Fireboy and Watergirls Lemonade Stand Hangman Chess Snake 8 Ball Pool 2048 BLOG Run 3 - Best Tips & Tricks Moto X3M - Complete Guide Tips for Playing Tiny Fishing How to Play Hangman Chess - Tips & Tricks Read More Blog How do you play tiny fishing? The controls are pretty simple: cast your line by clicking or tapping the cast button. Mouse 1 fire weapon Mouse 2 raise sights C toggle camera mode W S A D move player Left Shift sprint Left Ctrl crouch X prone Space jump F use item R reload H ho.How do you play tiny fishing? The controls are pretty simple: cast your line by clicking or tapping the cast button. 6 types of weapons, 2 melee and 4 ranged Over 10 types of zombies Horror shooter plus escape game. You could also go to the aquarium and "sell" them for more money.Features: Minecraft style game with first anf third person mode. The player, with a fishing rod, goes fishing for many different species of fish. ![]() ![]() Explore this wonderful game space Tiny Fishing is …Tiny Fishing is one of the many different playable games on. Coolmath Games is the free brain-training app for everyone, where logic and thinking meet fun & games! If you love, you’ll love this app – hundreds of our favorite math, logic, thinking and strategy games made especially for …powered by cool math games link to tiny fishing: Tiny Fishing Cool Math Games is a game you definitely can't let go of because of the attractiveness that this game brings. Download Coolmath Games: Fun Mini Games and enjoy it on your iPhone, iPad and iPod touch. Use mouse to dig worms and catch fish with. Catch small and big fish, don’t forget dig worms after every fishing and try to get all achivements. The fish is biting today and you can enjoy fishing. You have three fish rods, worms and your goal is to catch as many fish as you can. Great Fishing is the game for real fishermen. The video's in reverse because I thought going down looked better than coming up. The never-ending Cool Math Game Tiny Fishing - it took me about a week to get to this far. Tiny Fishing appdz Contains ads 2.5 star 478 reviews 50K+ Downloads Everyone info Install About this game arrow_forward Tiny fishing sounds like a nice day to go fishing, cast your line. ![]() Coolmath games tiny fishing powered by cool math games link to tiny fishing: ![]() 7/30/2023 0 Comments Python dict![]() Similarly, the pop method returns the same result as get, but if k is a key in D, pop also has the side effect of removing D (when x is not specified, and k is not a key in D, get returns None, but pop raises an exception). The setdefault method returns the same result as get, but if k is not a key in D, setdefault also has the side effect of binding D to the value x. The memory savings make the idiom usable for a loop on a huge dictionary, when what you want is to “consume” the dictionary in the course of the loop. Both items and popitem return dictionary items as key/value pairs, but using popitem consumes less memory, as it does not rely on a separate list of items. The popitem method can be used for destructive iteration on a dictionary. ![]() Iterating directly on a dictionary D is exactly like iterating on D. Iterating on the lists returned by items, keys, or values carries no such constraint. An iterator consumes less memory than a list, but you must never modify the set of keys in a dictionary (i.e., you must never add nor remove keys) while iterating on any of that dictionary’s iterators. The iteritems, iterkeys, and itervalues methods return iterators equivalent to these lists (iterators are discussed in Iterators). If you call more than one of these methods without any intervening change to the dictionary, however, the order of the results is the same for all. The items, keys, and values methods return their resulting lists in arbitrary order. Removes and returns an arbitrary item (key/value pair) Removes and returns D if k is a key in D otherwise, returns x (or raises an exception if x is not given) Returns D if k is a key in D otherwise, sets D equal to x and returns x Removes all items from D, leaving D emptyįor each k in D1, sets D equal to D1 Returns D if k is a key in D otherwise, returns x (or None, if x is not given) Returns an iterator on all items (key/value pairs) in D ![]() Returns a new list with all items (key/value pairs) in D Returns True if k is a key in D otherwise, returns False, just like k in D Returns a shallow copy of the dictionary (a copy whose items are the same objects as D’s, not copies thereof) ![]() |
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