12/30/2023 0 Comments Quicken rocket loans![]() In most of the United States, jumbo loans are ones that are greater than $548,250. Jumbo loan: If you need to borrow a home loan that exceeds the particular conforming loan limit in the area in which you are buying, you will be in the market for what is known as a jumbo loan. Features of Rural Development Loans include 0% down payment and low guarantee fees. If you're looking to purchase home in a rural area and you make 115% or less of the area's median income, you may be eligible. United States Department of Agriculture (USDA) loan: Quicken offers USDA mortgages as part of its government loan products. Credit scores as low as 620 can qualify for VA loans. Quicken has dedicated VA mortgage bankers who can help you through the VA loan process. After those five years the rate will adjust once per year. The introductory period on a 5/1 ARM lasts for five years. With Quicken Loans you can get a VA loan that’s a 30-, 20- or 15-year fixed-rate mortgage, or a 5/1 ARM. armed forces (or the current or surviving spouse of one), you may be eligible for this mortgage. If you are a current or former member of the U.S. Veterans Affairs (VA) loan: These mortgages are backed by the Department of Veterans Affairs. You can put as little as 3.5% down when you get an FHA loan from Quicken. The minimum credit score for an FHA loan through Quicken Loans is 580. We put together a comprehensive guide to FHA loan qualifications if you want to take a deeper dive. The loan terms will also specify a maximum interest rate that your loan cannot exceed.įederal Housing Administration (FHA) loan: This government-insured loan may be a good option if you have limited income and funds for a down payment, and/or a lower credit score. If you have an ARM your loan terms will specify how many times the rate can change between your introductory period and the end of your loan. The amount by which the interest rate fluctuates each time it adjusts is generally dependent on a benchmark rate. Following the introductory period the rate is adjustable throughout the loan term and can fluctuate up or down. At Quicken, its ARMs have an introductory period that can be five, seven or 10 years where the interest rate is fixed. The steady monthly payments with a fixed-rate mortgage may make it easier to budget.Īdjustable-rate mortgage (ARM): Also known as an ARM, this mortgage option from Quicken Loans generally has a lower interest rate when compared to fixed-rate mortgages with the same term - at least at first. The fixed-rate mortgage is a dependable home loan option. Fixed-rate mortgages are available in 15-year and 30-year terms with Quicken Loans. With Quicken, customers have quite a few options:įixed-rate mortgage: Your interest rate and monthly payments will stay the same for the entire life of this loan. You can talk through your mortgage options over the phone with Quicken Loans, but it helps to have done some research into your mortgage choices before you have your initial phone call with a lender. Once you’ve decided to dip your toe into the mortgage market you’ll need to decide what type of mortgage to get. What Kind of Mortgage Can I Get with Quicken Loans? Hate talking on the phone? You may be better off using Rocket Mortgage, an online-only portal from Quicken Loans that lets you complete your entire mortgage application on the web, without speaking to a loan officer. The company combines online mortgage application tracking with a legion of representatives who can guide you through your application over the phone. ![]() Getting a home mortgage from Quicken isn’t a matter of driving over to a local branch. You can also use the company’s “YOURgage” feature to customize your loan terms. It does, however, offer a range of mortgage products, including fixed-rate mortgages, adjustable-rate mortgages, FHA loans, VA loans and jumbo loans. Quicken provides only mortgages and loans - it doesn’t offer any banking, investment or other financial products. Its parent company is Rock Holdings, Inc. Quicken Loans is the largest online retail mortgage lender, according to National Mortgage News. Headquartered in Detroit, Quicken Loans has provided more than two million American families with mortgages. 2018, that it became the nation's largest residential mortgage lender with a total loan volume of $83.4 billion. Quicken, which was founded in 1985, announced in Feb. Quicken Loans has a reputation as a heavy-hitter in the mortgage space.
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12/30/2023 0 Comments Bartender 5 for apple instal![]() Screen recordings and screen shots always help a lot. Please contact us with as much information as possible by sending feedback in Bartender or by emailing. Yes, a license is for use on all the macs you own and are the main user of. You will be prompted to enter your previous license details, once submitted and instantly verified you will be able to purchase a Bartender 4 license with a 50% discount. How do I buy an upgrade from a previous version?Ĭlick Buy Now, then select Upgrade to Bartender 4. You can then delete any previous versions of Bartender you have and launch Bartender 4. You need to be on macOS Big Sur, Monterey, Ventura and newer, then you can download Bartender 4 from the website, open the disk image and move Bartender 4 to your applications folder. If you bought Bartender 3 after April 2020 you are entitled to a free upgrade to Bartender 4, Bartender 4 will accept and use your Bartender 3 license. I recently bought Bartender 3 do I need to pay for an upgrade? True Windows printer Drivers by Seagull can be used with any true Windows program, including our BarTender barcode software for label design, label printing, barcode printing, RFID encoding, and card printing. It has a 4 week trial after this Bartender 4 will be $16, and will have a great discount of 50% for users with a license to any previous version of Bartender. I can provide a version of your Bartender 4 license you could use with Bartender 3 if you need. Because of the massive changes in macOS, Bartender 4 could only be designed to work with the new version of macOS. NOTE: Please review the initial Tutorial to learn how the game works before playing.īar Sim™ Bartender Game by Killer Mobile | Featuring Music by GoldBoot | Feedback? Let us know at I use Bartender 4 on macOS Catalina or earlier?īartender 4 is only compatible with macOS Big Sur, Monterey, Ventura and newer. Don't forget to customize the Speed Rack to optimize your speed.ĬOMING SOON! Share & Exchange Custom Recipes You've Created with other BarSim (TM) users! Additional upgrades are available to unlock the Recipe Editor Feature, add a second tier to your Speed Rack & to Remove ads. Tips are used within the Bartender App to purchase bar tools, expand your recipe book, upgrade your tools & More. Speaking of tips, these aren't just useless points you're earning. Loaded with Special Upgrades & Customizable Feature 5 Ways to Display Your Raspberry Pi On a Monitor Or TV You Can Pre Order. And for the clever few, we've built in a few "secret" flair moves, which will help boost your tip even higher! Windows Threshold Apple Topsy Nazi Shazam Glass Prank Tech News Digest Physics. You're also timed, so don't spend too much time looking up the recipe if you've forgotten it already. When making Cocktail Recipes in BarSim™ Bartending Simulator every aspect is scored & critiqued, including glassware & ingredients used, amounts poured, proper technique including Shaking, Stirring, Muddling & Blending (including how long you perform the action), as well as proper use of garnishes. Plus with our real time feedback tips during Practice mode, you'll master the fine art of Cocktail Slinging fast! We've also implemented a fully guided tour explaining everything in fine detail, so you'll be up and playing in no time. When it's time to shake, you will quite literally shake. ![]() True to Life Bar Simulation in a Fun Bartender App īarSim™ Bartender Simulator utilizes hyper realistic "motion gestures" - the same motions you'd use when making cocktails in real life - so when it's time to pour, you will quite literally pour. However for the power users out there, don't fret, you can upgrade to add the Recipe Editor feature allowing you to Add & Edit Existing cocktails to your heart's content. The BarSim™ Bartender Game includes 100 of the most popular, common cocktail recipes. NEW! Users with an unlocked Recipe Book feature can now Export (share) and Import other user's recipes! It doesn't matter if you've never poured a drink in your life, or you're already a veteran bartender, this game will challenge your skills and be a whole lot of fun. ![]() In fact, we're certain that once you've mastered the BarSim™ Bartending Simulator, you can easily take the same skills to the real world. Three years in the making, we've worked tirelessly to ensure that every step in the drink making process has been simulated in our Bartending App. This is as Real as it Gets!īarSim™ is the culmination of over 15 years of Bartending, Bartender Training & Bar Themed Gaming experience. Get Ready to tap your inner Bartender while you learn & master over 100 of the most popular cocktail recipes, earn tips which you can exchange for in-app bartender tools & other gameplay upgrades and eventually claim your spot on our Top Bartender Leaderboards.You've just found the most interactive, innovative Bartender Game ever made. 12/30/2023 0 Comments Swords and souls unblocked hached 76Keyhacks: Press G Toggle Health - H Level Up - J Statistics (100) - K Skills (100) - L Talent (100) - Increased Free Gold (Just click the links.) ![]() Firstly, two first children are on the map. ![]() Welcome to Soul Town! Design your Soul, train him and step into the Arena! Unlock new skills, buy new equipment and make your way to the top in this exciting RPG/Training game! Play swords and souls unblocked game 66 at school or at work. Now, let me show you the locations of the 13 lost children in swords and souls. 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12/30/2023 0 Comments Snooze hours fridaySnooze hours are Monday - Friday: 6:30 a.m.-2:30 p.m. You should pay to park in the Village Hillcrest Garage across the street, at any meter, or an Ace lot near the hospital. Service is fun here, the wait staff is casual and happy to see you, even on a day when they do 750 covers. With caramelized pineapple chunks and cinnamon butter, the Upside Down was buttery-rich but missing the proper garnish for an Upside Down cake: maraschino cherries. ![]() I didn’t pick up any caffeine hints in the red velvet's espresso-infused maple syrup, but I was all jacked up on free Guatemalan coffee by then.īehind the red velvet on the candy meter: Snooze’s famed Pineapple Upside Down buttermilk, topped with a foamy grandma-made custard sauce that's actually house-made vanilla crème anglaise. You want a heavy block of soggy bread? Where were you?!). Yes, it was the most cloying of the pancakes we tried (and couldn't finish and refused to take to-go. Yes, it had a touch of cream-cheese frosting. ![]() The red-velvet buttermilk pancake was like an unrisen cupcake. I also sensibly ordered the $9 pancake flight – three selections, all pre-syruped. (619) 500-3344 or įast-forward an hour, and my pal and I were in our very own two-top, with me on the comfy banquette side of our formica table. 12/30/2023 0 Comments Elf concealer light peach![]() I love how creamy and hydrating it is! This concealer is so smooth and flawless. The finish is satin, but really it looks natural, not too matte or shiny. A little bit goes a long way, but you do not have to worry about it getting out of hand. This is one of my all-time-favorite concealers, and I typically reach for it for special occasion looks! It is absolutely high-coverage with hardly any building needed. In terms of key ingredients, it has sodium hyaluronate to lock in moisture, and rose flower water for soothing properties. This formula is great for all skin types, while it also gives a boost of hydration. The large doe foot applicator should be easy to work with. It claims to have full-coverage with a satin finish for all-day wear. Your skin type will dictate which Camo Concealer is the best option for you, and each make a nice compliment to their Camo CC Cream. I feature this as part of the best elf products of all time! It was released after the original 16hr Camo Concealer, as its formula is really the opposite. Third is an elf Hydrating Concealer review. Not everyone wants a super glam high-coverage concealer every single day. ![]() The only thing I can get technical on is that I do not see any special blurring effects, but it still gets the job done. ![]() It provides medium to high-medium coverage with a satin finish, while it is also creamy and moisturizing. This is another fine choice if you want a lighter coverage for a more natural makeup look. The key ingredient is Squalene to moisturize with lasting hydration.Īgain, I find that this concealer does meet its claims. The formula should be creamy and buildable for daily use. It should provide you with flawless coverage. This concealer claims to have a satin finish with natural coverage to smooth and to blur the appearance of imperfections. You can only get it in six shades now, which cater to medium to deep skin tones. I do want to say that elf is starting to discontinue this concealer, as many shades are now removed from their website. Second is an elf Flawless Concealer review. 12/29/2023 0 Comments Panda express teriyaki chicken![]() In fact, the day after I gorged on PE with my mom, she was wandering my house, telling me about a Boston Bruins hockey fight from 2009 when suddenly she stopped. There is a subtle confidence about Panda Express that speaks to the Cherng’s steady leadership, and I don’t see anyone pulling their crown soon. You are going to get perfectly serviceable American Chinese food quickly and cheaply, and if you choose the winning dishes, you’re going to have a very enjoyable meal. They continue to be privately held, they haven’t gotten too far away from the stuff that got them here, and unlike many of the older fast-casual joints I’ve reviewed, they seem to know exactly who they are, even under this constantly changing landscape. Panda Express is in the pole position in the Asian fast-casual arena. Is it strange that the main reason I would continue to frequent an American Chinese fast-casual joint was their Japanese chicken teriyaki? And more importantly, should that even matter? Eating it made me feel nostalgic for my middle school days when my friends and I would all get the $8 lunch special plate at the pretty bad Chinese place in my suburban Boston town’s center, then bring the egg rolls that came with said plate to eat on the walk to Sam Goody to peruse Stone Temple Pilots cassette tapes. I’m getting more tea.”įinally, from the appetizer menu, the chicken egg roll was satisfying and its crispy wonton wrapper was shockingly not incredibly greasy. My mom’s take: “Kevin, you know I’m not eating the spicy stuff. So was the Kung Pao Chicken, which had some serious spice and a solid combination of peanuts and not-overcooked vegetables. The Beijing Beef was also very good, with a crispy texture, sweet and sour flavors, and acid from the onions to keep balance. My mom’s take: “Ooohh, I want to learn how to make this at home.” That little tweak in the preparation keeps the chicken moist, and the fact that it isn’t sitting, drowning in teriyaki sauce the entire time, makes it actually quite excellent. Then sauce is added before it hits your plate. The teriyaki chicken thighs sit in a silver warming tray like the other food, but behind it, there is a cutting board and a cleaver, and the chicken is actually chopped right there. The item that stands out above all at Panda Express is actually from Japan. Currently, they have over 2,000 restaurants in nine countries, do over $3 billion in sales, and sell 90 million pounds of Chef Kao’s Orange Chicken annually.įood That Is Better Than the Orange Chicken: ![]() From there, the company began a steady stream of expansion (without franchising or going public), opening its 100th restaurant in 1993, and its 1000th by 2007. Four years later, Chef Andy Kao created the original recipe for their signature Orange Chicken. ![]() The Cherngs said yes, and Peggy left her job in software development to work for the family business and develop their operating system. Ten years later, the Glendale Galleria mall real-estate developer had an idea to open a quick-serve version of their restaurant. Despite said fancy degrees, restaurants were in the Cherng bloodline - his father Ming-Tsai was a chef - and so in 1973, the Cherng’s opened The Panda Inn, a sit down Chinese restaurant in Pasadena, California. Cherng a masters in applied mathematics). Cherng has a PhD in Electrical Engineering and a Masters in Computer Science Mr. While there, he met another Chinese expat, Peggy Tsiang, and they fell in love while acquiring various fancy degrees (Mrs. In the mid-1960s, Andrew Cherng left China to study mathematics at Baker University in Kansas. Perhaps involuntarily, the adductor pollicis muscle in her hand twitched. “We’ll start with the appetizers,” I said. Once comfortably seated in a booth (Mom: “I chose one away from everyone else so we could talk honestly about the food.”), I opened the clamshell containers one by one revealing a steaming-hot, sumptuous Panda Express repast and looked across the table to my mom. Perhaps more shockingly, neither were the Panda Express workers. I told my mom what was happening - that I needed to taste through the menu and wanted her opinions, so she was not fazed when I ordered three “big” plates featuring three entrees each, plus all the sides, plus all the various appetizers, plus the chocolate chunk cookies sitting in front of the cash register. Under the neon light of a Panda Express video on the wall above us extolling the virtues of joining the Panda Express team, we tried 18 different Panda Express menu items. One night in June, I took my mother to a Panda Express in a mall. 12/29/2023 0 Comments Black and white widgetsmith iconIf you have not already done so, add the widget of your chosen size from Widgetsmith to your home screen, and drag it to your preferred location.
12/29/2023 0 Comments Sherwood schwartz 7 deadly sinsHis first name is never uttered in any episode or movie and unlike Mrs. No Full Name Given: Creator Sherwood Schwartz said his first name was Willy, but all people called him was Gilligan, even when a radio announcer, who even called the Skipper and the Professor by their rarely used real names, just called him Gilligan in the pilot.However, it should be noted that he personally ruined only 17 of the 37 escape attempts in the 98 episodes of the show. The Millstone: One of the most prominent examples in TV.Manchild: The most childlike and innocent of the castaways.Limited Wardrobe: He wears the same outfit practically every episode.Kindhearted Simpleton: He may be immature and foolish, but he's always nice to his fellow castaways. ![]() Granted, it's mixed with Vitriolic Best Buds (at least on the Skipper's end), but they bunk together, work together, stick up for each other, served together in the war ( The Korean War), and panic when they believe the other is in danger. Heterosexual Life-Partners: With the Skipper.Freudian Trio: Ego- The most level headed of all the castaways.When a scurvy epidemic threatened the castmates, he divided an orange into slices without a second thought. Dumb Is Good: He may be ditzy, but he's often portrayed as the most kindhearted and noble of the castaways.The Ditz: Part of the reason they're stuck on the island and he often exasperates the Skipper with his dumb comments.Chaste Hero: Despite being a single man whose fellow castaways include two gorgeous single women, he's not paired off with either of them.Affectionate Nickname: "Little buddy", which is what the Skipper calls him in his friendlier moments.The crowning example is Rescue From Gilligan's Island, where he starts a fire in a hut and ends up attracting the attention of the Coast Guard, which leads to the rescue of the castaways. Achievements in Ignorance: Sometimes his stupidity leads to him performing a great feat by accident.However, he also tends to inadvertently solve many of the problems the castaways face. His defining personality trait is his stupidity, which often ruins the castaways' plans to get off the island. ![]() In the end, the answer to the infamous question, why don't they Just Eat Gilligan, is easy. And while they may not be able to get off the island, they are actually quite adept at surviving whatever obstacles could cause them to perish there. If one is (always wrongly, of course) believed to have died, the other six will be beside themselves with grief.
12/29/2023 0 Comments Harry potter hippocampus mythologyJoggers, sweatshirts, half zips, hoodies. They're for a good cause and they're cute, so why not purchase one? 5. Happy Holidays to all, and a happy New Year as well! I hope that with these holidays all of my friends and family get tons of love from their favorite people, and I hope everyone has a wonderful holiday season. And the best part is, they only come around in the wintertime, so they’re just that much better because they’re limited time only! Zillions of Hugs and Kisses Apple Cider is my favorite, as I’ve previously mentioned, but everything else is amazing, too. Yummy Holiday Drinks and DessertsĮggnog, hot chocolate, fruitcake and cookies are some very delicious things to eat and drink during the holidays. Turns out, X is the Greek letter “chi,” the initial letter in the word Χριστός. I bet you’ve never sat back and wondered what the X in the abbreviation for Christmas is. Thankfully, we have winter break, which every student is incredibly thankful for. ![]() Winter Breakīy the time the end of the first semester comes around, students everywhere NEED a break, or else they will go crazy. My cousins are so special to me, and I am so thankful for them. During the holidays, though, we all come together and spend days at a time with each other. My family is very important to me, but unfortunately, they live all over the place, so I don’t get to see them a lot. (But I am thankful for any present, whether it’s wrapped or in a bag). There’s something that makes receiving gifts so much better when it’s wrapped, as opposed to just in a bag. When I get a wrapped present for any holiday, I get so much joy out of tearing off the paper. It’s so cool to me to hear what people’s traditions are and how they came about. My cousin’s family makes a different kind of dessert every night from Christmas Eve to New Year’s Eve. As I mentioned previously, my family goes to New York. TraditionsĮvery family has a different tradition for the holidays, and I find it so intriguing to learn about everyone’s special tradition. Plus a few snow days from school every now and then never hurt. I think it’s so beautiful and fresh and smells so good, and I catch myself waking up every morning in the winter hoping it snows that day. Now that I am older, everyone just thinks it’s a hassle, but I still love it to no end. I have such a fondness in my heart for snow. The message from this movie is so important to me, and I think Rudolph is just adorable. Rudolph the Red-Nosed Reindeer is my all-time favorite Christmas movie I could watch it over and over and over again. You'd probably find them with the outgoing Aries. Most of them have a knack for adventure, and know the best hang out spots in town. The Centaur is bold and wild, much like our Sagittarian. They also tend to be sharp and good at quick quips of humor. Much the same, most Scorpios have a sharp tongue and can end any conversation with an award winning death glare. It is most known for looks that can kill and deadly venom. ![]() The Basilisk is another Harry Potter creature that's legacy lives on throughout the series. ![]() ![]() They are usually good judges of character. Libras tend to be very choosy about their friends and it is unwise to overstep your boundaries with them. If not you'll end up in the infirmary, possibly with broken limbs. There are steps you must take (and take them carefully) to win it's trust and respect. If you haven't, Professor Hagrid is teaching the students about magical creatures. If anyone has seen Harry Potter, they know of our friend the Hippogriff. 12/28/2023 0 Comments Project management phases![]() ![]() Try to think of it as a contract rather than a scope of work. It’s likely that you (and your client) are still deciding whether or not the project is a good fit. ![]() Write a detailed description (project charter) of what the project work will look like (including a project timeline and costs) for the client, so they can see if it fits with their budget and time constraints.ĭon't spend a ton of time and resources on the project initiation phase. Identify the individual deliverables for the project (i.e., landing page audit to track conversions, new strategy implementation). In that case, the initiation phase will analyze the problem and brainstorm how to overcome the roadblocks.īreak down the problem in detail so you can figure out whether or not your plan will actually fix or solve the project.Ĭalculate how long the project will last, how many resources you'll need, and whether or not your agency has the capacity to take it on. Suppose your client is having problems turning landing page visitors into leads with their latest marketing campaign. Here, teams discuss the problem that the project will solve and how they plan to achieve their goals (whether internally or for a stakeholder). This is where you set up the roadmap for success and decide whether it’s feasible. It helps determine the vision, goals, and scope of the project. This phase of the project management life cycle is called project initiation. Project initiation phaseĮvery project life cycle starts with the same question: Why are we doing this project in the first place? Here, we'll explore the five stages of the project life cycle phase and how to execute each one effectively. Knowing each phase's key milestones and deliverables will help you plan and manage your projects effectively. Much like you would break down the life cycle of a customer or a product, there are phases to the process to help you stay on track. What are the 5 phases of the project life cycle? Learning a project life cycle (and why it is so useful) gives leaders a framework to plan, execute, and deliver every project like a smooth operator. This allows the project manager to break down every task and request into smaller, manageable chunks so it's easier to carefully plan and deliver everything. It provides structure - or, rather, a roadmap - to help you organize, manage, and track progress.Įach phase has its own objectives and deliverables that build on the next and eventually lead to the successful completion of a project. Get a holistic view into your team's workload with .ĥ phases of the project life cycle What is a project life cycle?Ī project lifecycle is a series of phases that define the process of taking a project from its inception to completion. See who has capacity to take on more work, quickly assign tasks to the right people, and ensure no one is overburdened. |
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