11/18/2023 0 Comments Graduated payment mortgage calculatorMiller, 1981, Handbook of Mortgage Mathematics & Financial Tables, Englewood Cliffs, N.J.: Prentice-Hall. This compares with a 30 year fixed rate mortgage at 9% for which monthly payments from the start would be $1206.93 a month. To calculate what the payments will be in the following years, we just multiply the figure for the previous year by 1.07 up to our sixth year. In the initial year, there will be a monthly payment of $928.36. If we put these values into our graduated payment formula we arrive at:Ī = 150000 / This gives us variables of P = 150,000, i = 0.09, M = 30, N = 5 and g = 0.07. Graduated repayment is a stepped repayment plan, where monthly student loan payments start off low and gradually increase over the repayment term in two or. You agree to graduated payment increases each year for the first five years and then a set steady payment after that, with increased rates of 7%. Imagine you assume a loan of $150,000 for 30 years, with the annual rate being 9%. For calculating monthly payments in the third year, we simply do the same process with the second year payment.īelow is an example calculation to show how GPM functions: To discover what the monthly payment will be in the second year, we multiply the payment in the first year by a factor of (1 + g). G = graduated growth rate, expressed as a decimal. I = annual interest rate, expressed as a decimal, The formula below can be employed for calculation of monthly payment amounts for the mortgage's first year: Federal and state deductions can lower your taxable income. However, you can still save money on your taxes through various deductions. These mortgages can be useful to people who anticipate that their income will rise as the years go on. This video explains what a graduated payment mortgage is and provides a comprehensive example to illustrate how a graduated payment mortgage is amortized. Unfortunately, you can no longer take advantage of the Housing and Economic Recovery Act’s 7,500 credit for first-time home buyers. In the first year of your mortgage you would pay $960 a month, in the second year $1008 a month, and then for the third and subsequent years you would pay $1058.40 a month. View the definition of Graduated-Payment Mortgage (GPM) and preview the CENTURY 21 glossary of popular real estate terminology to help along your buying or. Graduated annuities are found in many places including pensions that have built-in cost of living adjustments, lotteries such as PowerBall, and. Annuity cash flows grow at 0 (i.e., they are constant), while graduated annuity cash flows grow at some nonzero rate. The monthly payments will begin low and see a gradual increase each year for between two and five years (or ten years, depending on the plan chosen) until they reach an agreed limit.Īs an example, imagine you accept a graduated mortgage in which the monthly payments to begin with are $960 with two annual "graduations" at 5% each. So, the two types of cash flows differ only in the growth rate of the cash flows. What are Graduated Payment Mortgages (GPMs)?Ī graduated payment mortgage (GPM) is a form of fixed-rate mortgage which begins with a low payment rate which gradually rises until a larger amount is being paid in the final stages. Traditional fixed rate mortgage Graduated-payment mortgage Adjustable rate mortgage FHA mortgage Two-step mortgage You are wondering which kind of.
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In the right-hand side menu, choose the option “Color Filter” and select the color that you want to apply to your video as an overlay. To add a full-coverage video overlay, click on the background image/ video. In, you can add overlays of different colors and opacity. Basically, think of them as video filters. png picture to via the step “ Graphics & Stickers” and add it as an overlay to your videos.įull coverage overlays cover the entire area of your background image or video. Just like you add other images to, you can then upload this. The name is pretty straightforward: what the website does is that it removes the background from images. Here’s how it works.Ĭhoose an image that you want to remove the background from. You can then add them to a colored background to create a video with overlays.Īnother technique that can help you to add transparent overlays to your videos is removing the background from images. In the search results, you will see images with transparent backgrounds. In the search field, type in your keyword and then add “.png”. If you are looking for some fresh ideas of what to add as a transparent overlay to your videos, searching the built-in stock library is a great way to start. This technique is great for adding images of speakers, logos, and other image overlays to videos. You can also add an animation effect to the overlay, to make its appearance on the video more vivid. This way, you can turn the square image into a circle one, etc. In, you can also apply a mask to the image that you uploaded. You can simply click on it, and it will appear on the background video. Once you uploaded an image that you want to use as an overlay, head over to the step “ Graphics & Stickers” and select the image. This way, you will make sure that the image doesn’t look too bulky. png images that have a transparent background. All the images that you uploaded are available in this Uploads tab. Simply choose the option “Uploads” and select the file that you want to add as an overlay. You can also upload an image on the step “ Graphics & Stickers”. This will open up a popup window where you can choose a file that you would like to add to your video as an overlay. Head over to the step “Add videos & images”, then switch to the tab “Upload” and choose the option “Upload files”. To add your own image to a video in, follow these steps. The basic rules for adding an image as an overlay is that the picture shouldn’t cover any important parts of the video (unless it should intentionally, like in the example below). This can be your own logo, picture, or even an animated GIF or sticker. When customizing your videos, one of the easiest things you can do is to add an image on top of your video. Adding an image as a transparent overlay to your video Let’s take a closer look at each one of them. There are 4 ways how you can infuse your branding by applying transparent overlays to your videos. That comes in especially handy when you use an image or a video as a background.
11/17/2023 0 Comments Archduke franz ferdinand ww1 sandwichAfter visiting India he spent time hunting kangaroos and emus in Australia in 1893, then travelled on to Nouméa, New Hebrides, Solomon Islands, New Guinea, Sarawak, Hong Kong and Japan. ĭespite this burden, he did manage to find time for travel and personal pursuits, such as his circumnavigation of the world between 18. Henceforth, Franz Ferdinand was groomed to succeed to the throne. Karl Ludwig died of typhoid fever in 1896. This left Franz Ferdinand's father, Karl Ludwig, as first in line to the throne. His cousin Crown Prince Rudolf committed suicide at his hunting lodge in Mayerling. In 1889, Franz Ferdinand's life changed dramatically. Franz Ferdinand thus became one of the wealthiest men in Austria. In 1875, when he was eleven years old, his cousin Francis V, Duke of Modena, died, naming Franz Ferdinand his heir on condition that he add the name "Este" to his own. Biography Early lifeįranz Ferdinand was born in Graz, Austria, the eldest son of Archduke Karl Ludwig of Austria (the younger brother of Franz Joseph and Maximilian) and of his second wife, Princess Maria Annunciata of Bourbon-Two Sicilies. Franz Ferdinand's assassination led to the July Crisis and precipitated Austria-Hungary's declaration of war against Serbia, which in turn triggered a series of events that eventually led – four weeks after his death – to Austria-Hungary's allies and Serbia's allies declaring war on each other, starting World War I. On 28 June 1914, Franz Ferdinand and his wife were assassinated in Sarajevo by the 19-year-old Gavrilo Princip, a member of Young Bosnia. Franz Ferdinand held significant influence over the military, and in 1913 he was appointed inspector general of the Austro-Hungarian armed forces. His courtship of Sophie Chotek, a lady-in-waiting, caused conflict within the imperial household, and their morganatic marriage in 1900 was only allowed after he renounced his descendants' rights to the throne. Following the death of Crown Prince Rudolf in 1889 and the death of Karl Ludwig in 1896, Franz Ferdinand became the heir presumptive to the Austro-Hungarian throne. His assassination in Sarajevo was the most immediate cause of World War I.įranz Ferdinand was the eldest son of Archduke Karl Ludwig of Austria, the younger brother of Emperor Franz Joseph I of Austria. Princess Maria Annunciata of Bourbon-Two SiciliesĪrchduke Franz Ferdinand Carl Ludwig Joseph Maria of Austria (18 December 1863 – 28 June 1914) was the heir presumptive to the throne of Austria-Hungary. 11/17/2023 0 Comments New york islanders hatsIf you’re watching the next big rivalry game from home, stock up on New York Islanders home décor and tailgating gear to entertain your fellow fans, or score authentic New York Islanders memorabilia to spruce up your fan cave. New York Islanders Ziggy Palffy Authentic Vintage NHL Hockey Jersey Fisherman 54. Vintage 90s New York islanders fisherman Graphic Shirt Unisex Men Women KV8085. Browse New York Islanders accessories, such as scarves, handbags, jewelry, watches and footwear for the ultimate display of pride as you complete your look. Vintage New York Islanders Fisherman Snapback Hat Cap fisherman era NHL Hockey. Free shipping on many items Browse your favorite brands affordable prices. 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New York Islanders (20012003), and New Jersey Devils (20032008). Show off your Islanders spirit with the latest gear. Also, advancements have been made in the area of malaria diagnosis with the introduction of simple and easy to apply malaria RDT kits. where they documented positive malaria parasitaemia of 29.2% amongst children with history of fever in a tertiary clinic. This was supported by a report by Tagbo et al. Studies have shown a decline in the burden of malaria in these endemic areas, with a concomitant reduction in the proportions of fever that can be attributed to malaria. It is 13 years since the introduction of RBM programmes in sub-Saharan Africa. Studies have shown that if 70% or more of fever cases are malaria fever, presumptive treatment is more cost-effective than prior microscopy or rapid diagnostic test (RDT) when artemisinin-based combination therapy is the anti-malarial in usage. Furthermore, it was argued that since the prevalence of malaria was high in most sub-Saharan regions, and first tier facilities are amongst the first source of care for the patients, presumptive treatment will be cost-effective if practiced there. Another reason for this is the anticipated high mortality that will occur especially in children if anti-malarial therapy is delayed for malaria test results to be available, the problem of lack of laboratory support is expected more in the primary health care facilities. Due to high prevalence of malaria in these areas, and its associated high mortality in children, it was advocated that an anti-malarial can be given based on the presence of fever. One of its strategies is early diagnosis and treatment of malaria. In April 2000, the Roll Back Malaria (RBM) programme was launched in Abuja, Nigeria with the sole aim of reducing the burden of malaria in sub-Saharan Africa. In complicated malaria, supportive care - intravenous fluids, blood transfusion, oxygen therapy - can be commenced while awaiting the inclusion of anti-malarial drugs when the diagnosis of malaria is confirmed. In facilities that depend on microscopy a common practice in resource poor countries, healthcare providers can depend on parental willingness to return later for full medication, to commence adjunctive care with antipyretics and multivitamins for uncomplicated malaria. Provision of RDTs is the only feasible means to treatment of confirmed malaria at the time healthcare providers review a patient on day zero. Interviews of laboratory scientists showed that (1) malaria microscopy test cannot be urgent it is done in batches and takes 24 hours to be ready (2) a request of malaria test with other investigations on the same form, contributes to the delay (3) RDTs are unavailable in the facilities. The providers practice presumptive treatment of childhood malaria, for the following reasons: (1) malaria is endemic and should be suspected and treated (2) microscopy takes two days to be available and parents want immediate treatment for their children, thus delay may lead to self-medication (3) relying on results for decision to treat creates an impression of incompetence (4) rapid diagnostic test kits (RDTs) are not available in the consulting rooms and there is doubt about their reliability (5) patients have already wasted time before being reviewed, so wasting more time on investigation is not advisable (6) withhold of malaria treatment may be feasible in suspected uncomplicated malaria, but if severe, then anti-malarial treatment has to start immediately. Majority affirmed that their interests are on their children’s improvement. Majority accepted to come back later for full treatment, provided that some treatment was commenced. ResultsĪll parents/guardians agreed to a malaria test. Methodsĭata collection was from focus-group discussions for parents/guardians, and in-depth interviews involving providers and laboratory scientists in two tertiary hospitals. This study aimed to determine patient, provider and laboratory attributes that sustain PTCM in Nigeria. Delayed laboratory result is blamed, with little attention on patients’ and providers’ roles. Presumptive treatment of childhood-malaria (PTCM) is common in Nigeria. 11/17/2023 0 Comments Centurion movie 2020Instead, he naively believed that his saga about the mad, monstrous emperor who became synonymous with cruelty, insanity, and megalomania would be a relatively classy affair. Still, Vidal was no dummy and he probably should have seen what was coming the second he hopped into bed with a guy like Guccione. He was paid $200,000 for his script, which he wrote as a debauched and homoerotic allegory about how absolute power corrupts absolutely. Guccione’s first coup was signing Gore Vidal to pen the screenplay for Caligula. Gto/Felix Cinematografica/Penthouse/Kobal/Shutterstock That left Guccione, jealously stuck in the middle, looking for a way to leverage the Penthouse brand beyond his monthly bongo mag. And on the skeezier side of the railroad tracks over at Hustler, Larry Flynt was getting into the casino game when he wasn’t busy painting himself as a First Amendment martyr. Over at the more hifalutin’ Playboy, Hugh Hefner was expanding his portfolio with private nightclubs around the globe. Guccione, a waxworks vulgarian draped in gold medallions and silk shirts unbuttoned to the navel, spared no expense in his bid to become the Cecil B. But by the mid-‘70s, his publishing empire was such a hand-over-fist moneymaking juggernaut that he began to have delusions of Tinseltown grandeur, including the dream of bankrolling the most expensive, over-the-top, and sexiest Roman epic ever captured on celluloid. The porn magnate had already helped finance a handful of major-studio productions such as Chinatown, The Longest Yard, and The Day of the Locust. So I began digging.Ĭaligula wasn’t Guccione’s first foray into the more legitimate precincts of the movie business. I needed to how the hell this movie came to be. Limping to the end credits of this I, Claudius-for-the-raincoat-set epic spectacular was like my own private Bataan death march. Instead, what I got was quite possibly the worst-and most unerotic-film ever made. I think what I was hoping for this time around was some sort of so-bad-it’s-good cult classic. And witnessing it again, I was actually kind of impressed that Ebert managed to stay in his seat as long as he did. It had been nearly 20 years since I’d first seen the infamous sword-and-sandal porno dumpster fire. How are you not going to throw on Caligula after reading that? So I did. ‘Caligula’ is not good art, it is not good cinema, and it is not good porn. That this film is not only garbage on an artistic level, but that it is also garbage on the crude and base level where it no doubt hopes to find its audience. I wanted to tell them,what did I want to tell them? What I’m telling you now. That was on a Saturday night, as a line of hundreds of people stretched down Lincoln Ave., waiting to pay $7.50 apiece to become eyewitnesses to shame. Disgusted and unspeakably depressed, I walked out of the film after two hours of its 170-minute length. If it is not the worst film I have ever seen, that makes it all the more shameful: People with talent allowed themselves to participate in this travesty. Here’s how Ebert kicked off his review when he got back to his typewriter: ‘Caligula’ is sickening, utterly worthless, shameful trash. Ladies and gentlemen, I give you Bob Guccione’s big-budget Ancient Rome porn extravaganza, Caligula. A film that was so inept and god-awful he had to get up and walk out of the theater. Still, even the most masochistic movie reviewer can have his or her limit. It’s 406 pages long-and according to Ebert, it merely represented the tip of the iceberg. Hundreds? Thousands? The doorstop-thickness of his essential anthology, I Hated, Hated, Hated This Movie offers a hint at the sheer massiveness of the number. I wouldn’t know where to even begin when it comes to tallying up how many truly shitty movies Roger Ebert had to sit through in his four-and-a-half decades as a film critic. 11/17/2023 0 Comments Dungeon rampage gamesTyranitar debuted in Celebi: The Voice of the Forest, where it was caught in a Dark Ball and used by the Iron-Masked Marauder in his quest to capture Celebi. They were, however, occupied on another mission. Mega Tyranitar in the anime Major appearances Team A.C.T.Ī Tyranitar was a member of Team A.C.T., who was considered for the job of rescuing Big Brother Pikachu in Pokémon Mystery Dungeon: Team Go-Getters Out of the Gate!. Tyranitar evolves from Pupitar and is the final form of Larvitar. As a Mega Tyranitar, its instincts have only become more destructive, to the point where it may not even be able to hear its Trainer's orders. Its back had split open because of the overwhelming power from Mega Evolution. Its tail lengthens, with the three spikes surrounding its tip growing upward and outward. It gains two sharp spikes on its knees, as well as more prominent leg joints. The scales on Mega Tyranitar's belly have now become red instead of blue and seethe with energy, enabling it to emanate more power. Its chest plate expands, curving over its shoulders and along its back to form three long, irregular spikes on each side of its body. The center spike on its head becomes a long, upright horn. While the spikes along the back of its neck grow shorter, the ones on its head elongate to form prominent ridges along its brows. The four holes on its chest are now larger with the top two containing red ovals. Mega Tyranitar has more gaps in its armor than its normal form, with four new triangular holes along the sides of its neck and one on its throat. Tyranitar can Mega Evolve into Mega Tyranitar. Iron Thorns is believed to be a relative of Tyranitar from one billion years in the future. In the Galar region, it has a fierce rivalry with Duraludon, which it shares its habitat with, often battling each other in the mountains. It lives in nests made from demolished mountains. If enraged, Tyranitar sets off outstanding earthquakes that can completely change the entire landscape, destroying houses and mountains, often forcing cartographers to draw up new maps. Tyranitar's power is so devastating that it can forcefully crush anything using one of its hands. Because of this, it is always looking for a battle and will not flinch at anything, though it ignores opponents that it thinks are not worth its time. It is extremely strong, and its thick, rocky hide gives it good resistance to all forms of attack. Tyranitar is a powerful Pokémon with an insolent nature, uncaring of others. A ring of spikes surrounds the tip of its tail. It has three claws on its feet and hands. There is a gray, diamond-shaped patch of scales covering its belly, and a smaller one on its back. Both sides of its chest, the center of its back, and its knees have two triangular holes. Several spikes of varying size protrude from the back of its head, neck, and shoulders. It has two pairs of pointed teeth: one in the upper jaw and one in the lower. Tyranitar is a large, bipedal, dinosaurian Pokémon with a green, armor-like hide covering its body.
Additional features include air conditioning, a Lifeline fire suppression system, a roll bar, Dynamat sound-deadening material, and a wood-handled shifter mounted to the driver’s right side. The right-hand-drive cockpit features fixed-back racing seats trimmed in black fabric with ventilation grommets and Schroth harnesses. Stopping power is provided by disc brakes with slotted rotors and black-finished calipers at all four corners. The suspension is equipped with adjustable coilovers and a front-end lift system. Staggered-width orange-accented 15″ BRM-style wheels with knock-off spinners are wrapped in grooved Avon race tires. Exterior equipment includes a Le Mans-style fuel filler, a driver-side Gurney bubble, reverse light, fog lights and HID headlights, #5 roundels with lights, Talbot-style mirrors, plexiglass side windows with pop-out vents, side air intakes, front canards, and front and rear brake ducts. The fiberglass body is finished in dark blue paint accented by an orange nose section and body-length stripe. This Superformance GT40 is now offered with a Superformance build sheet and other build records as well as a clean Indiana title in the seller’s name listing the vehicle as a 1969 Superformance GT40. Additional equipment includes a dry-sump lubrication system, quad Weber carburetors with eight velocity stacks, and Shelby cylinder heads as well as a front-axle lift system, a Lifeline fire suppression system, air conditioning, Schroth harnesses, four-wheel disc brakes, knock-off wheels with Avon race tires, side scoops, front fog lights, front canards, and HID headlights. Power is provided by a mid-mounted Ford Windsor V8 with a Shelby aluminum block that was stroked to 428ci and paired with a ZF five-speed manual transaxle. This Superformance GT40 is a right-hand-drive MkI example that was ordered new by the seller as a rolling chassis approximately two years ago and is finished in a dark blue and orange #5 livery. |
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