There is a longing to escape and to live in your own bubble this week. If there is anyone who can check their ego and put others first it’s you due to your innate compassionate nature. This requires you to give your time patiently to those in need of support. Watch your mindset and heart grow as the candle burns.īeing of service to others is going to allow you to think outside of yourself. As you light the candle, meditate on these thoughts and aspirations. Dress the candle with rosemary, nettle, and thistle to help ignite the confidence within. Take a red candle (the color of Aries) and carve your name, along with your astrological sign on it. The Last Quarter Moon in Aries is asking us to embrace our self-esteem. Later in the day, Mercury and Mars aspect the Nodes of Destiny, pushing us to move forward with our goals. The week ends with Mercury moving into Leo, on July 11, adding passion and drama to communication. This is an argumentative time, so tread lightly. Mercury opposes Pluto retrograde in Capricorn on the 10th, escalating debates and problems. Action planet Mars enters Virgo on July 10, bringing practicality and rationality to how we assert ourselves. This cosmic alliance serves to heighten our dreams and hopes for the future. The same day, Mercury connects with Neptune retrograde in Pisces. The Last Quarter Moon in Aries on July 9 urges us to fight for our beliefs and to make major decisions. Mercury in Cancer links up with Uranus in Taurus on July 7, aiming to broaden our minds and shift our perspectives. The week ahead is urging us to focus on attaining our personal aspirations.
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Here are FHA down payment requirements based on minimum credit scores: So, lenders control some of their risks by raising the down payment requirement when a borrower has a lower score. But borrowers are less likely to default on a mortgage if they have considerable equity in the home. Generally, lower credit scores are riskier for the lender. The down payment requirements for an FHA loan are tied to the borrower’s credit score. Down Payment Requirements for an FHA Loan They also pay an annual MIP that ranges from 0.45% to 1.05% of the current loan balance.Īdditionally, FHA loans can only be used to buy a primary residence and will need to pass an FHA-approved home appraisal. Borrowers pay an upfront mortgage insurance premium (MIP) equal to 1.75% of the base loan amount. All FHA loans require mortgage insurance, which protects the lender if a borrower defaults. The limit rises to $1,089,300 in some high-cost areas. For 2023, an FHA loan for a one-unit property can go up to $472,030 in most parts of the U.S. FHA loan limits, which may fluctuate yearly, are based on the property type and location. Borrowers need a minimum credit score of either 500 or 580, depending on their down payment. Basic options usually include 15-year and 30-year terms with competitive interest rates. Lower down payment and credit score requirements make FHA loans popular among low-and moderate-income borrowers.įHA loans come with the following features: Because they’re backed by a federal agency, lenders take on less risk and can offer competitive loan terms. However, you’ll go to a private mortgage lender to apply for one. FHA loans are mortgages that are insured by the Federal Housing Administration. Personally, I would have preferred that Zenith maintain their regular Chronomaster bracelet, especially given the numerous likenesses better earned on the watch. The bracelet has polished centre links, and will also remind many of the Oyster bracelet, with its polished centre band on the deployant and raised Zenith star on the folding clasp. This contrasts nicely with the mirror polished chamfering and mirror polished case sides. Note the very slight concaving of this centre link that makes the light bend. The polishing work on the watch and bracelet is par excellence – and it continues to the case, where we have satin polishing to the top of the lugs, and to the centre link of the integrated bracelet. Whether it’s a high-polished slope of an index, or a flaked side of the Zenith star, there’s always some play happening with the light around you. No matter which angle you glance at it from, you will get a reflection back. On the wrist, the first thing you’ll notice is how well finished and how finely faceted this watch is. It’s amazing what a difference this move has made – my reaction at first look was, oh man, why didn’t I think of that! Bravo to the Zenith team for this masterstroke hiding in plain sight. It’s crafted from ceramic, which is rapidly becoming the material of choice for this buffeted part of the wristwatch, so chosen for its ability to resist scratches and take hard knocks without marking. However, returning to the aesthetics, the game changer for many is a much more humble and static component – the bezel. 10 seconds are marked on the bezel along with the text ‘1/10th of a second’, which is a distinctive feature that Zenith are claiming to be yet another first. The hero of the show of course is the chronograph hand that counts 10ths of a second – and 10 seconds in a full rotation of the dial. Any sticklers for subdial symmetry will be delighted by the running seconds and second counter at 3 and 9 sharing identical dial layouts, with the anthracite minute counter positioned perfectly between the two at 6.Ĭoloured subdials are a design code that have always differentiated the El Primero, and here – on the bone white dial, they create quite a visual treat, especially with the chronograph activated and three of the counters perceptibly moving. The second counter at three is a petrol shade of blue / grey, at the minute counter at 6 it’s anthracite and at 9 for the running seconds, it’s silver. Unless you’re describing a mardi gras panda, because the three applied dials at a closer look are not black, or white, but multi-coloured. If we start with aesthetics and the dial, firstly, this ain’t no panda – or reverse panda if we’re talking about the black dial. Of course at closer inspection, many differences emerge, both aesthetically and mechanically. In both its black and white dial variations, this new Zenith El Primero Chronomaster Sport looks at a glance very much like what is probably the most popular and coveted chronograph on the market and for all time, the Rolex Daytona reference 116500LN, which is by and large unattainable at its retail price. Because, if you’re a watch lover with more than a passing knowledge of popular current designs, it’s likely n the black ceramic bezel with etched scale on this model has drawn a likeness that is hard to ignore. Even 19 years after its release in 1969, the movement was so reliable, robust and well regarded that it made its way into the Rolex Daytona for a period of 12 years, from 1988 to 2000.Īnd this is where we start our tale, proper. The second is the El Primero’s fame as a movement alone. One, as a watch that deserves to be called iconic even amongst the most towering icons, and that holds various important claims in the pantheon of 20th Century watchmaking, including, but not limited to the first fully integrated, Swiss made, self-winding automatic chronograph, hence the name, El Primero. The Zenith El Primero is famous for two reasons. There’s some pretty nifty mechanical trickery going on with the new 10th of a second caliber, too, but we will get to this once the initial impression wears off, and is – in my opinion – thoroughly justified. And now, Zenith is taking that debt back with a black ceramic bezel twist that dawns a new era and a new name, in the Zenith Chronomaster Sport. This all happened when I was merely 12 years old, in 1988. A modified version of the El Primero movement powered the Daytona for 12 years, and marked the first automatic Daytona models. Ok, here’s a fact: The Rolex Daytona owes a debt to the Zenith El Primero. Proving not to be a devil, in the traditional sense, but a devil-like creature, the child was dubbed "Hellboy" by Professor Trevor "Broom" Bruttenholm. As a direct result of this rite, the child appears on Earth in a fireball at what remains of the ruined Bromwich Church on December 23, 1944. The child is eventually summoned to Earth in the final months of World War II by the "Mad Monk" Grigori Rasputin on Tarmagant Island, off the coast of Scotland, having been commissioned by the Nazis to change the tide of a losing war (" Project Ragna Rok"). When the other princes of Hell learned of his actions, Azzael sent his half-demon child away while he was stripped of his powers and imprisoned in ice (like Lucifer in Dante's Divine Comedy). Taking Sarah's body to hell when she attempted to repent on her deathbed within a church in East Bromwich, England, Azzael burned her away so their child would be born, and chopped off the newborn's right hand to replace it with the "Right Hand of Doom", a relic tied to the Ogdru Jahad. In life, Sarah was a witch who gained her powers from being a consort of the archdemon, Azzael, an Archduke of Hell, and Hellboy's "biological" father. Hellboy, or "Anung Un Rama" as he was called, was conceived on October 5, 1574, the day his birth-mother, Sarah Hughes, a human woman, was on her deathbed. Hellboy is noted for his positive relationship with cats. In earlier stories, he is identified as the "World's Greatest Paranormal Investigator". Hellboy works for the B.P.R.D., an international non-governmental agency, and for himself against dark forces including Nazis and witches, in a series of tales that have their roots in folklore, pulp magazines, vintage adventure, Lovecraftian horror and horror fiction. This is said to be because of his upbringing under Professor Bruttenholm, who raised him as a normal boy. Although a bit gruff, he shows none of the malevolence thought to be intrinsic to classical demons and has an ironic sense of humor. He has been described as smelling of dry-roasted peanuts. In time, Hellboy grew to be a large, muscular, red-skinned ape-like man with a tail, horns (which he files off, leaving behind circular stumps on his forehead that resemble goggles), cloven hooves, and an oversized right hand made of stone (the "Right Hand of Doom"). He appeared in the ruins of an old church in the Outer Hebrides in front of a team assembled by the Allied Forces among them, Professor Trevor Bruttenholm, who formed the United States Bureau for Paranormal Research and Defense (B.P.R.D.). The character has been adapted into three live-action feature films - two starring Ron Perlman in 20 in the title role, and one in 2019 which starred David Harbour, as well as two straight-to-DVD animated films, again starring Perlman, and three video games - Asylum Seeker, The Science of Evil, and as a playable character in Injustice 2.Ī well-meaning half- Demon (or Cambion) whose true name is Anung Un Rama ("and upon his brow is set a crown of flame"), Hellboy was summoned from Hell to Earth as a baby by Nazi occultists (spawning his hatred for the Third Reich). The character first appeared in San Diego Comic-Con Comics #2 (August 1993), and has since appeared in various eponymous miniseries, one-shots and intercompany crossovers. Hellboy is a fictional superhero created by writer-artist Mike Mignola. Innate capability to comprehend magical languages.Right Hand of Doom (which serves as the key to the End of the World).Extensive knowledge of the supernatural.Superhuman strength, endurance, stamina, durability, and longevity. World Destroyer, Great Beast, Beast of the Apocalypse, Right Hand of Doom, Son of the Fallen One, Brother Red, Big Red, Red Monkey, Big Red Man, Red, Man-Beast, Mane, One Hell of a Superhero, The Guy That's Going to Bring About the End of the World, Lonely Hero, Agent Hellboy, H.B. One currency can be purchased by another currency through banking institutions or on the open market. Currencies are traded (bought and sold) daily around the world. For example, if you want to exchange Australian Dollars into US Dollars.Ĭommission – This is a common fee that foreign exchange providers charge for exchanging one currency with another.Įxchange rates are influenced by banks and trading institutions and the volume of currency they are buying and selling at any given time. Spread – This is the difference between the buy and sell rates offered by a foreign exchange provider such as us.Ĭross rate – This is the rate we give to customers who want to exchange currencies that do not involve the local currency. In the business, this is sometimes referred to as a ‘spot rate’. It is the rate banks or large financial institutions charge each other when trading significant amounts of foreign currency. Spot rate – This is known more formally as the ‘interbank’ rate. Holiday money rate or tourist rate – This is another term for a sell rate. For example, if you were returning from America, we would exchange your US Dollars back into British Pounds at the buy rate of the day. For example, if you were heading to Europe, you would exchange British Pounds for Euros at the sell rate.īuy rate – This is the rate at which we buy foreign currency back from you into your local currency. Sell rate – This is the rate at which we sell foreign currency in exchange for local currency. Foreign exchange can be confusing, so to help break through the confusion, here are some common terms associated with currency: Layers are always a good option because you can add or remove layers depending on the weather. Make sure they’re wearing comfortable clothing that’s appropriate for the temperature in the car. There’s nothing worse than being strapped into a car for a long journey and being uncomfortable. This way they won’t feel as alone, you can entertain them, check on them easily, grab anything they may need, comfort them, watch movies together, play games, you name it! Alternatively, sit in the back with them, especially if you have an only child. A baby car mirror is great not only to allow you to check on your child, but also for them to look at themselves. I also make sure to have an extra full box of wipes in the car at all times for sticking fingers and spills, and of course you’ll want to bring your packed diaper bag ( check out what I pack in mine here ) and extra clothes. Pack a few extra chargers for your phone and tablet, and consider getting a power bank charger. A window screen shade is really important when you have a toddler to shield them from the sun, even in the winter months. You can also prepare your car by purchasing a few helpful essentials. If you’re not sure your car is up to the journey, consider hiring a rental. Give it a once over a few days before you’re due to leave, checking things like the windshield wipers, tires, windshield fluid, oil and engine. So you want to make sure it’s as ready for the trip as you are. On a road trip, you’ll be spending a lot of time in, you guessed it, your car. Whether you’ve locked yourself out of the car, gotten stuck in a snowbank or the engine has overheated (to name a few) they will come to the rescue. I can’t tell you how many times this service has saved me. It’s also a good idea to get roadside assistance, such as CAA or AAA.
Full Moon Circles, Sound Baths, Acupunture Meditation, Cacao Ceremonies, Past Life Regression Journeys and lots, lots more. We have an incredible number of amazing events on our calendar every month beyond our Wellness Program. The Zestimate for this Single Family is 263,500, which has increased by 13,510 in the last 30 days.The Rent Zestimate for this Single Family is 2,199/mo, which has decreased by 207/mo in the last. More than a yoga studio, Liberate Yourself is a community created for spiritual and magically curious peeps like you! Everything we offer in our space – from infrared saunas to soundbaths, from classes to psychic readings, energy healing and crystals – is dedicated to helping you heal, transform and feel empowered to live your greatest life. 16 Stone Fence Cir, Rochester NY, is a Single Family home that contains 1614 sq ft and was built in 1984.It contains 3 bedrooms and 2 bathrooms.This home last sold for 160,000 in September 2018. “I felt very at peace, there was definitely a presence behind with what felt like a hand on my shoulder” -Joe C. “I did see someone come into the room” -Gabby R. View more property details, sales history, and Zestimate data on Zillow. This home was built in 1984 and last sold on for 160,000. The 1,614 Square Feet single family home is a 3 beds, 2 baths property. “…Not gonna lie, I actually did have the experience of seeing those stones fade away…which shocked me a little bit!” -Kelly M 16 Stone Fence Cir, Rochester, NY 14626 is currently not for sale. “There was a lot of positive energy ” -Shannon M. IG – really felt connected to the spirits in the room…I started to see a vapor at one time” -Brent O. Eventbrite - Liberate Yourself presents Mystic Stone Seance Circle with Matt Bruce - Saturday, Jat Liberate Yourself, Sherman Oaks, CA. He has delivered his presentations on the History and Mystery of the Tarot, The Archetypes as Guides, Divine Connection with the Tarot & the Enneagram, and his special Mystic Stone Seance Circle which is one of his most popular experiential offerings. He speaks at conferences, libraries, and events for different groups and organizations. Matt is also a popular speaker and facilitator. (CJMLS) 5 beds, 3 baths house located at 16 Johnstone St, Edison, NJ 08817 sold for 540,000 on Mar 4, 2019. His use of ritual resonates deeply with the people he works with, and transforms readings into opportunities for healing & transformation. View sales history, tax history, home value estimates, and overhead views. In addition to roses, he focuses on tarot, numerology, and connecting to the subconscious. 16 Florence St, Edison, NJ 08817 is a 4 bedroom, 3 bathroom, 2,300 sqft single-family home. house located at 16 John St, Edison, NJ 08837 sold for 165,000 on May 31, 1988. If I was a fan of one of them, I’d almost start rooting for losses and a better draft position at this point. With an above-average defense, and the way Davante Adams and Josh Jacobs have played this season, fingers are starting to be pointed at the coaching staff, who should be leading this team to much better than 2-6 on the year.īoth of these teams have watched their playoff hopes all but evaporate over the past two weeks. The defense has been their strongest asset this season, led by DE Maxx Crosby and LB Blake Martinez. They are currently given just a 4% chance to crack the postseason, and even that number seems generous. Make that 2 for CBS /tVFwzK9JxW- Las Vegas Raiders November 6, 2022ĭespite making the playoffs last season, the Raiders’ chances for this year are quite grim. It still wasn’t enough to get the win, though, as the Raiders were shut out in the 2nd half after reverting to a more conservative game plan. WR Davante Adams bounced back big time, finishing the day with 10 catches for 146 yards and 2 TDs. The massive blown lead was yet another failure in what has been a thoroughly disappointing season for the Raiders. The Raiders led the Jaguars 17-0 on Sunday, before allowing them to go on a 27-3 run for the remainder of the game, which would ultimately seal the win for Jacksonville. On the other hand, Indianapolis may prefer to give Ehlinger the reps as practice while they tank, with their current playoff chances sitting at just 6%. It is possible that the Colts will go back to starting veteran Matt Ryan at QB, following Ehlinger’s continued struggles. The Colts averaged 3.6 yards per pass play and 3.5 yards per run play, making it extremely difficult to successfully move the ball down the field.ĪLSO SEE: NFL Picks: Week 10 Predictions, Vegas Odds, Schedule for Every Game (2022) In the passing game, rookie QB Sam Ehlinger struggled once again, completing 15 of 29 passes for 103 yards and an INT.
Health insurance: $223 (highest in the U.S.)Ĭopyright 2023 Hawaii News Now.Cable and internet: $123 (16th highest in the U.S.).The median monthly housing cost is 1,101, according to the 2021 Census housing data. Mobile phone: $165 (highest in the U.S.) The average monthly housing cost is 1,427, according to the 2021 Census housing data.Car insurance: $261 (highest in the U.S.).Car loan: $507 (10th highest in the U.S.) By looking at the average mortgage rates in Hawaii since 2010.Average monthly rent: $1,856 (highest in the U.S.).Average monthly mortgage: $2,247 (third highest in the U.S.).Here’s a look at average monthly household bills in Hawaii, according to the report: But the figure was far higher in Hawaii, where the costs for housing and utilities top the nation. household spends nearly $30,000 a year on household bills, or 42% of their incomes. The report from web and mobile pay service doxo looked at key spending on housing, auto loans and utilities. Learn more about how a mortgage works here.HONOLULU (HawaiiNewsNow) - A new report is putting a spotlight on how monthly bills are increasingly taking a bigger chunk out of Americans’ pocketbooks ― and underscores just how pervasive Hawaii’s high cost of living is. The Tesla financing calculator is available in the Design Studio to help estimate your payments for purchasing and leasing your vehicle. Between May 2023 and June 2023, listing prices of homes in this real estate market have seen the following changes: prices of 1 bedroom properties stayed the same, 2 bedrooms properties became 1. Should you fail to make your payments over time, the lender can foreclose on, or repossess, your property. The inventory of homes for sale in Honolulu, HI between May 2023 and June 2023 increased by 6. (You can also pay off your mortgage early, but there are both pros and cons to be aware of.)īecause a mortgage is a secured loan, it means you put your property up as collateral. You pay back the lender over an agreed-upon amount of time, including an additional interest payment, which you can consider the price of borrowing money. The single-family home median price on Oahu through the beginning of 2023 was 1.105 million and over 510,000 for condos. Your closing costs may vary based on your lender, the size of your loan and whether or not you're paying in cash. Remember, these averages are based on sample data. The amount of time you take to pay off the loanĪ mortgage is a type of secured loan used to purchase a home. Percentage of closing cost to home sale price.Key determining factors that you do have control over include: Around a million households with a fixed-rate mortgage will see their monthly mortgage repayments go up by about £500 by the end of 2026. Therefore, it's a factor that is beyond your control. Graph and download economic data for All-Transactions House Price Index for Hawaii (HISTHPI) from Q1 1975 to Q1 2023 about HI, appraisers, HPI, housing. Average two-year fixed mortgage rate hits 6.7. The Federal Reserve adjusts the federal funds rate as part of its effort to control inflation. Others you can influence.įor instance, the federal funds rate - the interest rate banks charge when they lend to each other - has an influence on all sorts of other interest rates, including those on mortgages. Multiple factors affect the interest rate you'll pay on a mortgage. Wyoming How are mortgage rates determined? Average mortgage interest rate by stateĬheck the latest rates in your state at the links below. Most major forecasts expect rates to start dropping again in the second half of 2023. As for states with the highest monthly mortgage payments, Hawaii led the pack with an average of 3,696 a month over 1,300 more than the national average, as well as 39.69 of. According to data from the Census Bureau’s 2018 American Community survey, the median monthly cost of home ownership is 1,556. Thirty-year fixed mortgage interest rates hit a low of 2.65% in January 2021, according to Freddie Mac. Rates throughout 2020 and into 2021 were lower than rates at the depths of the Great Recession. Calculate Monthly Payments on USDA Guaranteed Rural Development Home Loans. Throughout 2020, the average mortgage rate fell drastically due to the economic impact of the coronavirus crisis. In terms of states, California tops the list, with members having the highest average mortgage debt of 421,535, followed by Hawaii (409,711) and Washington (333,158). Average 30-year fixed mortgage rate (January) Should I buy it? Carla Lalli Music has hit upon a winner with this book, which offers an absolute wealth of original ideas and inspired twists on classic dishes. Killer recipes: Pantry Eggs in Purgatory, Seared Sweet Potatoes with Kale and Lime Pickle, Spaghetti with Melted Cauliflower Sauce, Banana Galette with Cashew Frangipane… there are honestly too many to mention. Music’s dishes manage so much more: they are rich and varied, feel fresh and healthy, and would impress any guest passing through your dining room that evening. When Jamie Oliver offers up an idea for a Gnarly Chicken with Sizzlin’ Broccoli, or whatever the hell he’s suggesting this time around, it does the job, but it rarely looks particularly impressive. Perhaps the biggest achievement is that the end results don’t look or feel like quick and easy dishes thrown together in a relatively short amount of time. How often will I cook from the book? Music’s promise of real-life recipes is definitely fulfilled here, and you could plausibly find yourself revisiting this book a few times in any given week. There’s also handy little sections at the bottom of each recipe that cover variations and substitutions that might aid the process. How annoyingly vague are the recipes? Everything is kept neat and simple here, with ingredients kindly presented first in metric and then in the usual US-friendly imperial measurements. From a lengthy introduction that takes in essential kitchenware and revisits ideas around food shopping to chunky histories for various recipes, there’s a lot to browse here. Given that Music’s book is essentially ‘here are some nice recipes to try’, she gets a decent amount of writing in. A few pages on the socio-economic impact of grains on Western European culture. A short essay on the cheesemaking process. Often the titles with the most to read are those that have specific themes that allow for deep-dives on history, culture and so on. Is it good bedtime reading? Better than many cookbooks. Music is also behind 2019’s Where Cooking Begins, which focused on uncomplicated recipes, and was as much about how to shop for food as it was how to cook what you bought. Who wrote it? Carla Lalli Music, who is perhaps best known for her video work at Bon Appetit, until she quit in 2020 in solidarity with her BIPOC colleagues, who had been chronically mistreated by the organisation. A lovely sentiment, if one that sounds like the author’s editor might also be her therapist. That Sounds So Good offers up ‘100 real-life recipes for every day of the week’, and in its introduction author Carla Lalli Music says each of the dishes in the book ‘is designed to help remove any psychic and emotional barriers that get in the way of cooking at home’. Serve with more lime wedges - these really come alive with lots of bright citrus.What’s the USP? What we have here is one of my favourite themes a cookbook can have: food is good, but sometimes it’s exhausting, let’s make it easier. Top with a liberal coating of sesame seeds and season with flaky salt. Don’t be skimpy: The tahini butter is a sauce, not a schmear. When just cool enough to handle, split potatoes in half and spread tahini butter generously onto flesh. Use tongs to transfer cooked potatoes to a large plate or platter. Season tahini butter with salt and a generous amount of pepper. You may think the butter and the liquids will never fully combine, but don’t give up - it will happen. In a small bowl, combine the butter, tahini, soy sauce, sesame oil and lime juice and use a spatula, spoon or fork to smash them together. (I use a cake tester to check doneness, but the tines of a fork or tip of a paring knife would work, too.) Cover, reduce the heat to medium and steam until potatoes are completely tender, about 30 minutes. Halve the sweet potatoes crosswise if large and place them in the steamer. Bring a few inches of water to a boil in a medium stockpot fitted with a steamer basket. |
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