![]() ![]() ![]() Being able to make a sizable down payment improves your chances of qualifying for the best mortgage rates. In general, most homebuyers should aim to have 20% of their desired home price saved before applying for a mortgage. *The payment calculations above do not include property taxes, homeowners insurance and private mortgage insurance (PMI). The table below shows how the size of your down payment will affect your monthly mortgage payment. One common exemption includes, VA loans, which don’t require down payments, and FHA loans often allow as low as a 3% down payment (but do come with a version of mortgage insurance).Īdditionally, some lenders have programs offering mortgages with down payments as low as 3% to 5%. Many mortgage lenders generally expect a 20% down payment for a conventional loan with no private mortgage insurance (PMI). Next, divide by your monthly, pre-tax income. To calculate your DTI, add all your monthly debt payments, such as credit card debt, student loans, alimony or child support, auto loans and projected mortgage payments. Here’s the formula for calculating your DTI:ĭTI = Total Monthly Debt Payments ÷ Gross Monthly Income x 100 The higher the ratio, the less likely it is that you can afford the mortgage. ![]() This ratio helps your lender understand your financial capacity to pay your mortgage each month. This rule says that your mortgage payment shouldn’t go over 28% of your monthly pre-tax income and 36% of your total debt. One of the rules you may hear as a homebuyer is the 28/36 rule or the debt-to-income (DTI) rule. Home price, the first input for our calculator, is based on your income, monthly debt payment, credit score and down payment savings. Here’s a breakdown with an explanation of each factor and how it influences your payment. SmartAsset’s mortgage payment calculator considers four factors - your home price, down payment, mortgage interest rate and loan type - to estimate how much you will pay each month. Factors That Determine Your Mortgage Payment The numbers can always be adjusted later.įor a more detailed monthly payment calculation, click the dropdown for “Taxes, Insurance & HOA Fees.” Here, you can fill out the home location, annual property taxes, annual homeowners insurance and monthly HOA or condo fees, if applicable. Don’t worry if you don’t have exact numbers to work with - use your best guess. In the dropdown box, choose your loan term. There are three fields to fill in: home price, down payment and mortgage interest rate. The first step to determining what you’ll pay each month is providing background information about your prospective home and mortgage. N = Number of Monthly Payments for 30-Year Mortgage (30 * 12 = 360, etc.) How SmartAsset's Mortgage Payment Calculator Works P = Principal Amount (initial loan balance) Mortgage Payment Formulaįor those who want to know the math that goes into calculating a mortgage payment, we use the following formula to determine a monthly estimate: To find a financial advisor who serves your area, try our free online matching tool. You can also try our home affordability calculator if you’re not sure how much money you should budget for a new home.Ī financial advisor can aid you in planning for the purchase of a home. You can adjust the home price, down payment and mortgage terms to see how your monthly payment will change. SmartAsset’s mortgage calculator estimates your monthly mortgage payment, including your loan's principal, interest, taxes, homeowners insurance and private mortgage insurance (PMI). ![]()
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8/9/2023 0 Comments Married gov edwin edwards wife![]() ![]() Changing the severance tax from 25 cents a barrel to 12.5% of value made Louisiana the most cash-rich state in the nation at the time while New York City was going bankrupt, said Honeycutt, his official biographer.Ĭonstitutionally barred from a third consecutive term, he left office in 1980 only to return four years later, after easily defeating incumbent David C. “My dad never saw color and never turned his back on anyone in need,” said his son Stephen Edwards, who worked alongside his father in the Edwards Law Firm, according to the family statement.Įdwards seized on an oil boom in 1974 to defeat energy interests and fill Louisiana’s coffers, tying oil taxes to price, rather than volume. He appointed more African Americans to policy-making positions than any previous governor and spearheaded the adoption of a new constitution. He won the governor’s office in 1972 with help from organized labor and Black voters realizing their civil rights-era strength. Nothing bothered him except bothering other people,” Trina Edwards said.Īccording to the statement, she said his dying words were to his 7-year-old son: “Eli told him every night, ‘I love you.’ And he told Eli, ‘I love you, too.’ Those were his last words.”Ī lawyer, Edwards began his political career on the City Council in the town of Crowley in 1954 before moving on to the state Legislature, then Congress. They had a son, Eli, in 2013 - Edwards’ fifth child - and starred in a short-lived reality TV show, “The Governor’s Wife.” ![]() “I would have walked into prison a happy man had I known how it was going to end,” he said at his lavish 90th birthday bash in 2017. They divorced after he went to prison, but he found a third wife in Trina Grimes, then 32, a pen-pal who visited him behind bars. Five years later, at 66, he married 29-year-old Candy Picou in a ceremony at the governor’s mansion. He had four children during a 40-year marriage to his high school sweetheart, the former Elaine Schwartzenburg, before they divorced in 1989. Despite his unabashed fondness for high-stakes gambling, dirty jokes and his reputation as a womanizer, he earned a following among Catholics and fundamentalists. Raised a Roman Catholic, Edwards preached in the Church of the Nazarene as a teen and didn’t drink or smoke. According to his authorized biography, his father’s ancestors were Welsh his mother’s continental French but Edwards always considered himself a Cajun. 7, 1927, to a sharecropper and a midwife in Avoyelles Parish, in the region settled by 18th century French exiles from Nova Scotia who came to be known as Cajuns. But the dealmaking Edwards had a cooler demeanor.Įdwards was born on Aug. They shared a populist appeal to the state’s downtrodden, and political fortunes that flowed in part from taxes on oil. Silver-haired and gifted with an easy charm, Edwards dominated Louisiana politics in the late 20th century much as Huey P. I’ve rarely seen a wider chasm between the promise for greatness and reality.” “He had everything, and yet squandered it by devoting much of his time to enriching his friends. He could relate to crowds better than almost any politician I ever knew,” Louisiana State University journalism professor Robert Mann said in an email Monday. “He had eloquence, creativity, a razor-sharp mind, executive abilities that many lacked, and leadership skills that many envied. Edwards maintained the case was built on secretly taped and misinterpreted conversations and the lies of his former cronies, who made deals to avoid jail.īut the conviction and the numerous investigations and allegations were an unavoidable stain on his legacy. The federal case that led to his May 2000 conviction involved him taking payoffs from interests seeking riverboat casino licenses during his final term in the 1990s. ![]() ![]() ![]() If I were facing the prospect of $2,000 for a backup sump pump, I’d seriously consider a propane or natural gas-powered, whole-house generator that would kick on when the power goes off. Basementsaver recommends 12-volt, size 27 “deep cycle” marine batteries, which cost considerably more than the typical car battery at between $200 and $300.Īfter installation, you’d need to maintain the battery, which is only as dependable as its last recharge. The battery-powered pumps range in price from $400 to $850, not including installation or the battery. ![]() Because the batteries are heavy and expensive to ship, the pump manufacturers recommend that you buy your battery locally. The same company offers battery-powered systems that require a marine battery, one that looks like a car battery but is made for wet conditions and functions a little differently. (They come with installation instructions, but you might want to hire a plumber.) And they range in price from $300 to $550, not including the installation kit or cost of installation. The pumps come in various sizes, ranging from a capacity of 900 gallons per hour to 2,000 gallons per hour. If you go online and search for “back up sump pump,” you will find a number of companies selling them, including King, RadonSeal and Basement Watchdog, the last of which is available at Home Depot. When properly installed, your Basementsaver water-powered sump pump is virtually unbreakable in normal use as an emergency backup pump.” Each lightweight pump unit is easily installed above your sump pit on a basement ceiling rafter, remaining safe from corrosion and inadvertent damage. One pump system, called the Basementsaver, says at its Web site that its pumps are “self-contained and independent from your primary basement sump pump. To see a water-powered pump in action - and how to install one - check out the This Old House video of the process. ![]() (See my September column, which can be found at the end of this post - click on "continue reading." to see it.) * A battery-powered backup pump. * A whole-house generator that kicks on when the power goes off. Several readers have asked about back-up systems, so I did some research and came up with these three options: In my column in today's Dispatch, I wrote about back-up sump pumps for those times that the power goes out or the cat knocks a broom onto the primary pump and keeps it from turning on when needed. ![]() 8/9/2023 0 Comments Carol schwartz connecticut![]() Janet Morgan Stoeke is best known for her whimsical picture books featuring Minerva Louise, a hen whose blithe optimism and inquiring spirit are never dampened by her many mistakes. Some of her most popular publications include “Parrots Over Puerto Rico” (emphasizing the inescapable connection between people’s actions and the animals in the wild) and “Hands Around the Library” (a visual recreation of the story about protecting the Bibliotheca Alexandrina). ![]() She applies this technique using scissors, tweezers, paste, and double-sided repositional tape. Roth, NYC native, is the author/illustrator of 50 books. She has also received honors from the The EdPress Association of America. Her work has been selected for exhibitions throughout the USA including The Society of Illustrators in New York, Focus on Nature XIV and The Illustrator’s Club of Washington DC. ![]() Carol paints predominantly in gouache, but also utilizes Photoshop for her illustrations. Most recently you can see the small miracle of a chrysalis becoming a butterfly in Carol’s illustrations for a Tilbury House Nature Book, My Busy Green Garden, written by Terry Pierce. With a focus on science and nature, Carol Schwartz has worked with many major publishers, including a Scholastic “Hide and Seek Science” series. ![]() Janet Stoeke, Susan Roth, Jennifer O’Connell and Carol Schwartz have spent their careers creating illustrations for children’s books and even writing some of their own stories to go along with their art. They work with various mediums, including gouache, Photoshop, and even collage to express topics that range from science and nature to culture and history! Meet the illustrators at the reception, September 16, 5:30 pm in the Caton Merchant Family Gallery. Visual Magic, The Art of Four Picture Book Illustrators (September 13-October 26) features four illustrators who have contributed to children’s educational publications. Our next exhibit is arriving just in time for the start of the school year – and appropriately so! ![]() ![]() ![]() If your machine has a reverse/reinforcement stitch button, be sure to press this while raising the presser foot in order for the stitches to properly line up. When you are working on a project and need to take a break, make sure to press the foot controller (if it is connected) before releasing the start/stop button. If this doesn’t help or if you’re experiencing other malfunctions, please don’t hesitate to contact your nearest SINGER Sewing Company for assistance – they would be more than happy to take a look at your machine for you. This situation can be remedied by following these simple steps: 1) Make sure that your buttonholes are evenly spaced and 2) Engage both of the needle bobbins when you sew them together otherwise, you’ll get C2 errors during Operation. When pulling it down into position, make sure it’s all the way down and then make sure it’s raised all the way up before continuing with regular sewing duties. The “C2” error message will appear on a Singer sewing machine if the Buttonhole Lever is not fully engaged. What does C2 mean on a Singer sewing machine? ![]() Keep everything clean & lubricated so that your Singer sewingmachine can perform at its best for years to come. When your Singer sewing machine starts to act up in unusual ways, there is a good chance that one of its essential parts is not working properly – don’t wait until it’s too late. Make sure that all of the necessary parts are correctly installed and functioning before trying to fix anything yourself – this includes the upper thread tensioner and take-up lever. To troubleshoot these problems and get your machine running smoothly again, consult the owner’s manual and/or online resources. If you’re having trouble with your Singer sewing machine, it may be because of one of the following issues: an incorrect e6 (upper thread) setting, a defective take-up lever, or improper threading. What does e6 mean on a Singer sewing machine? Knowledge is power when it comes to keeping your machine running smoothly – thank us later for helping you get started. Singer sewing machines come with a one-year warranty covering parts and labor – so don’t hesitate to reach out if something goes wrong. If you need more help than this guide can provide, we suggest visiting our website or calling us up for support instead. To fix this issue, please contact our Customer Care Team at 1-80 or email them here. If you’re experiencing problems with your machine, there’s a good chance that the C3 error is to blame. What does C3 mean on a Singer sewing machine? Reattach the case and check your work by winding a new ball onto the spindle. Inspect the threads for dirt or damage, and if necessary clean them with a thread cleaner. Clean around the spindle and any lint or dust that has collected on it. What Does C4 Mean On A Singer-Sewing Machine?Ĭheck the bobbin tension. ![]() Store your sewing supplies in an accessible place so you can easily take care of them when needed. Be careful not to damage any of the moving parts on your sewing machine. Wipe down all surfaces with a damp cloth then use a mild soap to clean them off completely. ![]() If necessary, remove the bobbin case from your machine before cleaning it. If you have a bobbin case that needs to be cleaned, follow these steps: Check the tension on your thread before beginning by pulling the threads tight and see if it’s too loose or too tight. ![]() 8/9/2023 0 Comments Zoom shortcuts pro tools![]() ![]() Select desired sound effects in Soundly.If you wish to send a selection or a whole sound effects to a marked track in your DAW where the cursor is located: In your keyboard, you can press letter r for Horizontal Zoom Out, and letter t for Horizontal Zoom In. Shortcuts when using Pro Tools, Reaper or Logic There are key commands for horizontal zoom. If you have saved selections of different libraries, you can see the shortcuts to the selections next to the selection title when clicking the three dotted library menu button. Switch between different library selections Solo Channel = ALT+1 for channel 1, ALT+2 for channel 2, etc.This offers a simple and quick way to zoom in or out in Pro Tools First. An even easier way would be to use the R and T keys to zoom out and zoom in respectively. The square brackets are located to the right of the P key on a regular keyboard. Clear selection = Double click waveform Start Recording or Punch In: Command/Ctrl + Spacebar (you can also do this with the F12 button or the 3 key if you have a numeric keypad on your computer). (Shortcut: press the T key on your keyboard to zoom in or the R key to zoom out. Control + Square bracket on PC and Command + on macto Zoom In.Modify Selection = Shift+Mouseclick in waveform. ![]()
8/9/2023 0 Comments Duplicate file remover![]() ![]() Windows 8.0 with WD externals, if that matters one MyBook and one Passport, I believe. What am I missing? There has to be something out there to automate file cleanup when we wind up with dozens of the same exact file across multiple drives. Also, I will have to do it for each of the two drives, merge them, and do it all over a third time. O I have found many applications that will identify duplicates, but even if I manually click one copy of each file and tell it to delete the rest, I will be sitting here for days. Compares one drive at a time, but upon finding multiple copies, removes all but one (1) copy of every file in existence.So, if the same file (regardless of filename) exists 16 times on the 3TB and 18 times on the 4TB, deletes 33 instances and leaves only one copy somewhere? Compares the two drives, ALL folders BOTH drives, and removes all but one (1) copy of every file in existence.Its written mostly in Python 3 and has the peculiarity of. A lengthy and thorough cleanup is required.Īfter months of searching, I cannot find any of these things, yet am blown away that they don’t exist, given how frequent my situation must be.Ĭan anyone recommend software that does any of the following, listed in order of preference? dupeGuru is a cross-platform (Linux, OS X, Windows) GUI tool to find duplicate files in a system. It started out as the 3TB being the main file repository and the 4TB being the backup that went into a waterproof/fireproof safe daily.Īs things happen, major files sets got moved around improperly, so the two drives now have pretty much the same files, but in all different folder structures so any kind of synchronization is impossible. ![]() I have two external USB drives, a 3TB and a 4TB. (I searched this forum by the title used and other similar things, and am amazed not to find a hit, so I apologize up front if this is asked frequently and I'm doing something stupid while searching.) ![]() ![]() Top of pageġWhat pragmatism is, whether it refers to a philosophical method, a specific theory, cultural politics, a literary theory or a mixture of all of these, has been part of the controversy surrounding pragmatism from its very beginning. With the close relation of James and Whitehead in mind, the latter can be identified as the ‘missing link’ that bridges the gap between the so-called classical pragmatism and its more analytic versions as advanced by Quine, Lewis and Rescher. The fundamental concepts of an ontological theory must not be isolated from each other to allow for a cosmology which is both rational and satisfies the pragmatic test of applicability. Whitehead takes up this two-sided approach, but modifies the idea of genetic consistency into that of systematic coherence. James argues his case on three levels – a psychological, an epistemological and a pragmatic one – and develops a theory of truth that comprises an empirical and a rational dimension. New beliefs have to fit in the totality of all previously accepted convictions in order to become accepted as true. ![]() James advances a form of epistemic conservatism that supplements the pragmatic idea of a concept’s cash-value with the demand for internal consistency. A detailed analysis of the respective theories of truth and knowledge in James and Whitehead illustrates their common methodological approach and allows us to assess the role of Whiteheadian thinking within the pragmatist tradition. ![]() ![]() Hence, it is often overlooked that on the methodological level Whitehead is a pragmatist, whose much quoted indebtedness to William James is reflected in the project of his speculative metaphysics. The focus on the novelty of his process ontology, however, has led to a view that isolates him from the mainstream of the tradition of Western philosophy. The significance of A. N. Whitehead’s contribution to 20th century metaphysics has become widely recognized. ![]() 8/9/2023 0 Comments Grinch im booked svg![]() ![]() Use this design for any Print on Demand (3rd party printing site) that makes items for you to sell.īecause this is a digital file, returns are not accepted nor are refunds or exchanges.Īll rights reserved. This includes taking any elements of this design and using it in your own design and selling it or digitizing it for embroidery or stencils. 1. Format: SVG: Cricut Design Space, Silhouette Designer Edition, Adobe Illustrator & Suite, Inkscape, Corel Draw and more. You may not sell this file or any part of this file as your own digital file or claim any part as your own design. Grinch My Day Im Booked Svg Christmas Svg, Grinch Svg - Svgtrendingshop Sale Grinch My Day Im Booked Svg Christmas Svg, Grinch Svg 5.00 3. This includes sharing, transferring, e-mailing, or sending the files you purchase to someone else for their use. Distribution the files in whole or in part. Grinch Im Booked Svg (1 - 40 of 851 results) Price () All Sellers Grinch Im Booked jpg, png, svg file BrescoArt (86) 1.04 1. – Commercial / For Profit Use ? You may use the design on a physical product that you sell (like a t-shirt/mug/tote bag, etc) up to 500 items per design. For Personal Use- You can use this for unlimited personal use. **PLEASE ensure that your machine/program takes the above format prior to purchase** YOUR CHRISTMAS SVG FILE YOU RECEIVE INCLUDE:Ī single zip file (or multiple zips if its a bundle) with the following is included in the download. *The watermark that you see in the preview will not be a part of the final, purchased digital file. You may also access your downloads by viewing your BestDigitalfile Purchases page. ![]() Upon completed payment you will receive an email with a link to your product downloads. *THIS LISTING IS FOR A DIGITAL DOWNLOAD ONLY, NO PHYSICAL ITEMS WILL BE SHIPPED* Get a Free Resting Grinch Face Svg, Free Grinch Hand Svg, and more. Perfect for T-shirts, iron-ons, mugs, printables, card making, scrapbooking, etc. 4 FREE Grinch SVG Files for Cricut Christmas Projects Download 4 FREE Grinch SVG Files for Cricut Christmas projects. You can use them for tshirts, scrapbooks, wall vinyls, stickers, invitations cards, web and more!! WELCOME TO CHRISTMAS SVG COLLECTION ! CHRISTMAS SVGĪre you looking for original and cute high quality clip art images to use in your projects.You have come to the right place!! ![]() ![]() The actor, on the other hand, has remained silent on the topic. Find the perfect sarah paulson and jason butler harner stock photo, image, vector, illustration or 360 image. Jason was originally thought to be gay because he isn’t seen with many ladies. It’s unknown whether the two were dating at the time! Jason Butler Harner with his best friend. Some sources suggest, however, that in 2015, Jason was dating actress Sarah Paulson. ![]() There is no history of dating or relationships, which is surprising. Jason’s personal life has also always been kept confidential. Harner, 52, is active on Instagram and Twitter under the handles and Relationships and Marriages of Jason Butler HarnerĪs of 2022, a dashing 52-year-old actor, appears to be single. He also holds a Bachelor of Fine Arts in acting from VCU, which he earned in 1992. Williams High School, where he graduated in 1988. He is a handsome 52-year-old man with lovely dark brown eyes and hair towering at 6′ 1′′ (1.85 m) tall. Sarah Paulson and Jason Butler Harner attend the premiere of 'Changeling' during the 46th New York Film Festival at the Ziegfeld Theater on Octoin New York City. Sandra Butler, his mother, was the first female vice president of communications at UnitedWay. Ed Harner, his father, was a high-ranking FEMA official. Jason was born in Elmira, New York, on the 9th of October, 1970. Jason Butler Harner’s Age, Height, Education, and Socials He has 22 TV credits, including Ozark, Alcatraz, CSI: Crime Scene Investigation, and Law & Order. Jason Butler is known for his roles in The Good Shepherd, Next, The Extra Man, Kill the Irishman, Letters from the Big Man, Non-Stop, Blackhat, and The Family Fang, among others. Jason also had his London theater debut in 2010 at the Donmar Warehouse in London, England, in the Lanford Wilson play Serenading Louie. Jason Butler Harner as Agent Roy Petty in Netflix series Ozark As Associate Warden Elijah Bailey, he appeared in the Fox series Alcatraz, which premiered in January 2012. On the cab e series Possible Side Effects, he also played the regular character Silas Hunton. In addition, he appeared in the Fringe pilot as a guest actor. Jason Butler Harner and Sarah Paulson Via Getty Who is Jason Butler Harner partner Jason shared the screen with no other than Sarah Paulson. A notable activist in causes including Keep Guns Off Campus, Razia's Ray of Hope, the right to access for healthcare and abortion in A is For and Physicians for Reproductive Health, and support of LGBTQ youth and families, as well as the accessibility of the theatre to a diverse audience, he continues to attempt to balance a creative career with any not-for-profit encouragement of the appreciation and improving of all.Following that, he portrayed Oliver Wolcott in HBO’s John Adams miniseries. He holds an MFA from NYU's Graduate Acting Program, an undergraduate degree from Virginia Commonwealth University and splits time between Los Angeles and New York. Theatre Featuring: Sarah Paulson, Jason Butler Harner Where: Los Angeles. A worker constantly in search of challenging roles and material, independent films have taken him to remote Texas in indie-film festival hit The Big Bend and the roof of a skyscraper in downtown Los Angeles in the recent award-winning short Elevate. at Graumans Chinese Theatre Featuring: Sarah Paulson - WEN-WENN31119087. Continuing to return to the stage whenever possible, he has appeared on Broadway, in the West End, and around the country, most recently in the world premiere of Bernhardt/Hamlet opposite Janet McTeer. Over the years, there have been a variety of characters like the young Chris Walken in The Family Fang, English copilot in NON-STOP, tech billionaire in NEXT, as well as memorable arcs on Scandal (2012), The Walking Dead, The Handmaids Tale, Ray Donovan (2013), Homeland (2011) and The Walking Dead (2010). After years of theatrical roles as kind-hearted, erudites like Tom in The Glass Menagerie with Sally Field, A.E.Housman in the American premiere of Stoppard's The Invention of Love, and the Broadway premiere of The Coast of Utopia as Ivan Turgenev, his film debut as Gordon Northcott in the Oscar nominated Changeling (2008) offered him his first conflicted killer. A self-described character actor interested in the fullness of any character, he is perhaps best known currently for his compelling turn as Agent Petty in Ozark (2017). He has one brother, and multiple former step-siblings. ![]() His parents divorced when young, and each subsequently remarrying. ![]() Jason Butler Harner was born in small town Elmira, New York in a working class family, later raised in Alexandria, Virginia while his parents worked in non-profits. ![]() |
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