![]() ![]() “She was lucid, understood what she was doing and just wanted to help out a family member some cash out of her home, and had the income to qualify and the equity in the home - she owned it free and clear. “I once did a 30-year mortgage for a 97-year-old woman,” says Becker. “They must have the capacity to repay the loan - that is, have the income and assets to qualify. “The same underwriting guidelines apply to retirees and seniors as does to everyone else,” says Michael Becker, branch manager and loan originator at Sierra Pacific Mortgage in Lutherville, Maryland. The information is supposed to be confidential and not used as a criterion to approve or deny the applicant. Still, lenders can ask your age on mortgage applications, but only for the purpose of gathering demographic data, as specified by the Home Mortgage Disclosure Act (HMDA). It’s one of the protected categories specified by the Equal Credit Opportunity Act, which makes it unlawful to discriminate against a credit applicant because of age (along with race, religion, national origin, sex and marital status). When it comes to getting a home loan, mortgage lenders look at many factors to decide whether a borrower is qualified - but age isn’t one of them. The worst states to retire include Alaska, California and New York. Delaware, West Virginia, Missouri and Mississippi also rank highly. 1 best state to retire to in 2023, according to a Bankrate study. Thirty-five percent of baby boomers report that paying rent or a mortgage negatively impacts their mental health, according to a Bankrate survey. They also account for the biggest cohort of homebuyers, at 39 percent. Census Bureau.īaby boomers carry an average of $189,155 in mortgage debt - the second-lowest balance, behind the Silent Generation, according to 2022 data from Experian.Īt 52 percent, baby boomers account for the largest generation of home sellers, according to the National Association of Realtors. Key statisticsĪpproximately 16.8 million households headed by someone age 55 or older have a mortgage, according to 2021 data from the U.S. Here’s what to know about getting a mortgage as a senior. Although the current housing market isn’t the best for buyers - with prices and mortgage rates rising - waiting for it to change isn’t an option for some older house-hunters. ![]() We often think of homebuyers as younger, but retirees and senior citizens have plenty of reasons to make a purchase, too. ![]()
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![]() ![]() The update is now available for download from the Google Play Store. The app manager feature meanwhile shows you which are the resource hungry apps so you can manage them while the battery manager helps you manage your device’s battery optimization by turning off power heavy apps and allowing you to create Battery Profiles so your usage can adjust wherever you are. Element to clean detection, invalid entries, and obsolete. Scan and clean gigabytes of unnecessary files, system clutter, log files, temp folders, and even leftover junk that takes up space on your computer in seconds. ![]() You also now have a cache cleaner and history cleaner which are pretty much self-explanatory. Use Adaware PC Cleaner to improve your PC performance and optimize your PC by reclaiming disk space with one simple click. AVG Cleaner for Android frees up space by cleaning your phone or tablet’s unwanted junk files and data, plus you can speed up your devices and even boost the battery life. Its debatable whether these cleaners should actually be used but AVGs is pretty. You now have a one-click dashboard overview so that you can easily see crucial elements like device performance, battery life, and storage, and from that same section, you can fix, clean, and remove those resource hogs. Get more space today try our free phone and tablet cleaner for Android. AVG Cleaner & Battery booster is another maintenance app for your Android. AVG Cleaner for Android is a mobile app designed to help you improve the performance of your device and preserve storage space by removing unnecessary. They say that on average, we have around 2GB of unnecessary photos on our devices, and if you’re working on a 16GB device, that is precious internal storage space indeed.īut aside from the photo cleaner, the update also brings other new features for the app. The Smart Photo Cleaner is a new feature that can be found on the AVG Cleaner app and its main purpose is to help you make space on your smartphone by automatically deleting any duplicate, similar, or poor quality photos that you probably won’t need anymore. ![]() ![]() ![]() Grace's lips curved into a mysterious smile, "If I did, would you expect me to deny you the experience of finding out for yourself?" I don't suppose you know of any rumors of Ravel's progeny?" "Very fitting that your journey brings you back here," she said to me, "I'll prepare some tea for us." "I find you most curmudgeonly," Nordom's monotone quirked in a mechanical sort of huff.įall-From-Grace's wings folded back. "Nordom: if you have a story to trade, please share it with Yves." "Good point." For now, there was only one person I knew of that could know. "In the 13.7th Revolution, we were required to fix gear and cog sub-set thirty-one in the fifth ring of Mechanus. We removed the obstruction and the gear turned as per its normal speed. Upon completing our task, we were then returned to the Source." "I thought the return to Source was a particularly fitting image to close the tale." "What in the hells was that, you stupid polygon?! That's the most boring story I ever heard!" Morte snapped. Missing File: Torment_23-48-59-32.jpgWe'll get this as soon as we can - however it might just be gone forever, sorry! If you know where we can find it, please get in contact And now I've one for you and your companion. By: Wonderland Guides Last updated: AugBackpacking the Lost Coast Trail Hiking the Lost Cost Trail - Introduction The Lost Coast is a stretch of California coastline so rugged that roads have not conquered it. The remoteness is a rare respite from the rest of the state. There are no mansions tucked along hillsides or congested lines of traffic winding along the cliffs. Here crumbling gashes of the King Range tower from the sea, blocking the way of everyone not on foot.īetween the cliffs and the sea, the Lost Coast Trail passes along the narrow band of tortured beach. It is the domain of the hiker, a desolate and severe landscape draped by a pristine ecosystem. The path leads from hidden beaches to expansive vistas at dizzying heights above the surf. ![]() Apart from sea lions and the occasional troop of Scouts, hikers discover pure solitude. The Lost Coast Trail is one of the finest beach backpacking trips found in the United States, and it has steadily grown in fame and popularity over the years. Often the trail is no more than a foreboding band of beach that vanishes into an oblivion of marine fog. Twice per day, there is no Lost Coast Trail. Stretches of the route vanish under the high tide, replaced by surf pounding against the cliffs.Ĭhallenging for most hikers due to the rough beach terrain.ĭogs are allowed but the BLM advises against bringing them due to the paw-destroying sand and gravel. Important Phone numbers BLM Arcata Field Office: (707) 825-2300 Intertidal-zone hiking, sneaker waves, wind exposure, poison oak (abundant), creek crossings (no bridges, some may be impassible after storms), rattlesnakes (infrequent), black bears. The Lost Coast Trail skirts the coast of the King Range National Conservation Area. This is the western edge of Humboldt County in Northern California. To the south of the King Range, Highway 1 veers eastward, blocked by impassible slopes near Rockport. ![]() If you were to fly a plane up the coast from here, the next coastal highway you would spot is at Ferndale, roughly 90 miles north. Planning a backpacking trip on the Lost Coast Trail Trip Length Between lies the longest stretch of undeveloped US Pacific coastline outside of Alaska. There are two official portions of the Lost Coast Trail. Most people (and this guide) are only interested in the northern section. Most of the time when someone says "Lost Coast Trail," they are referring to just the northern section. This trail runs 24.6 miles (39.6 km) between Mattole and Black Sands Beach near Shelter Cove. The southern Lost Coast Trail continues further into Sinkyone Wilderness State Park, eventually reaching Usal Beach, about 32 miles from Black Sands Beach. The sheer cliffs of the next stretch of coast are inaccessible by foot, so the trail begins inland several miles east from Shelter Cove, and doesn't return to the coast until near Needle Rock. Sinkyone State Park has tighter regulations than the BLM. Dogs are not allowed and camping must be within designated areas. The southern Lost Coast Trail rarely touches the beach, staying inland and skirting the tops of the bluffs most of the way. It is a beautiful hike, but it is not top-shelf like the northern section. This guide refers only to the northern Lost Coast Trail. This is the section between Mattole Beach and Black Sands Beach (Shelter Cove). The nicest time of year to hike the Lost Coast Trail is usually from late May to early October. The Pacific Ocean buffers coastal temperatures to comfortable levels for most of the year. ![]() ![]() By applying machine learning algorithms, manufacturers can detect errors immediately, rather than at later stages when repair work is more expensive. With minimal investment, quality control personnel can set up a smartphone connected to the cloud to monitor manufacturing processes from virtually anywhere. Replacing manual inspection business models with AI-powered visual insights reduces manufacturing errors and saves money and time. Using high-tech IoT devices in smart factories leads to higher productivity and improved quality. ![]() Analyzing the large amounts of big data collected from sensors on the factory floor ensures real-time visibility of manufacturing assets and can provide tools for performing predictive maintenance in order to minimize equipment downtime. This digital technologies lead to increased automation, predictive maintenance, self-optimization of process improvements and, above all, a new level of efficiencies and responsiveness to customers not previously possible.ĭeveloping smart factories provides an incredible opportunity for the manufacturing industry to enter the fourth industrial revolution. Even higher value is created when data from production operations is combined with operational data from ERP, supply chain, customer service and other enterprise systems to create whole new levels of visibility and insight from previously siloed information. These smart factories are equipped with advanced sensors, embedded software and robotics that collect and analyze data and allow for better decision making. Manufacturers are integrating new technologies, including Internet of Things (IoT), cloud computing and analytics, and AI and machine learning into their production facilities and throughout their operations. ![]() Industry 4.0 is revolutionizing the way companies manufacture, improve and distribute their products. ![]() ![]() ![]() We cut to a shot of the Razer Audio Mixer amongst a streaming setup.Ī device is plugged in to its Type C port.Ī device is plugged in to its Line In port.Ī device is plugged in to its XLR In port. ![]() He’s humorously bleeped out as he starts ranting with a string of profanities. We open on a streamer talking in an extremely high-pitched tone. Razer Audio Mixer appears amongst a streaming setup.ĭialogue: And to that I could give you, understand? Screengrabs appear of the software, highlighting its various features. Text appears: Centralized audio control via Razer Synapse The mixer swivels to its top side to show 5 ports.ĥ icons appear one after another and float towards their respective ports to be plugged in, in the order of: XLR in, Line In/Out, Optical In, and Type C. The icons float over and disappear over the ports, representing the devices plugging in. Looking at the bottom side of the mixer, we see two 3.5mm ports and two icons representing a microphone and headset. Text appears: Plug and play for fuss-free setup. The fader moves back up and the video’s music returns to normal level. Text appears: Via 4-channel interface and mute buttonsĪ graphic of the mixer’s 4 faders float into view.Īs one of the faders moves down, the video’s music lowers in volume. Text appears: Quick, on-the-fly audio controlĬut to a top-down shot of the mixer, which shows off its 4 faders and 4 mute buttons. Various device icons appear around it, before all the icons are pulled together by the mixer. The shot cuts to a more angled view of the mixer. ![]() ![]() ![]() ![]()
![]() Many of Nordstrom’s lyrics come from his own life experiences, including the darker side of things, telling some remarkable stories. From smooth, deep singing, to loud rock and roll screaming, Nordstrom does an incredible job. Nordstrom’s vocals reach whatever pitch they need to. ![]() Guitarists Rich Juzwick and Mike Salemo provide the heavy guitar elements for the band, while drummer Brian Steele Medina kicks it up with stellar hits on the drum set. Ultimately, Gemini Syndrome’s goal according to Nordstrom is “ to be a positive force in the face of all the negatives out there.” He noticed that several religions used symbols and that each of those symbols represented something with a deeper meaning, Nordstrom kept these symbolic discoveries close to heart and chose to prominently use them in Gemini Syndrome’s album art, music videos, as well as a part of every song of their new album titled LUX. The young Nordstrom also sought spiritual solace, dabbling in any religion within his grasp. Nordstrom turned to music, something that came naturally to him growing up in household with a professional singer for a mother. Lead vocalist and band founder Aaron Nordstrom was born with albinism, leading him to live a life unlike many, one that often made him feel alone and out of place. And beyond the beats, the drum bangs, and the shows, is the deeper story of how Gemini Syndrome came together. ![]() band, polished, poised and sounding like they’ve been jamming since birth, Gemini Syndrome, has jumped beyond the ropes and burst onto the international music scene garnering thousands of fans and winning nothing but praise. ![]() Once considered simply another local L.A. ![]() ![]() ![]() This can also help you verify important details, such as whether the car has been involved in any major accidents, if there are any liens against it, or if it has a salvage or junked title. It is prudent to conduct a license plate lookup to obtain a vehicle’s history, check the vehicle title status and verify the odometer.
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The clipart tab provides quick and convenient access to Vectric files containing 3D components or 2D vector artwork. ![]() In addition to these pre-created models you can also create new components or edit existing ones to use with this function so the potential for creating architectural panels, sign backgrounds, decorative textures or any other applications are endless. The pattern dynamically updates as you make changes, you can even adjust the size and position of your original "tile" at any timeĤ0 models have been created specifically for use with this new tool and are supplied with the software as part of the included clip art. This provides powerful control to make an incredible number of variations to your pattern and create some very interesting effects. The create texture area form lets you specify the spacing and overlap of each tile, enter a "shift" for every other row or column of your pattern and control the "symmetry" or reflection of the tiles. It requires a single "tile" component and optionally one or more closed boundary vectors which define the region in which the tiling should take place. This feature lets you create a repeating pattern or texture. The sculpting can be controlled using the mouse or even a pen tablet (such as a Wacom) and where applicable PC's that use a touch-screen. Allowing changes to be undone on specific local regions without having to undo any changes made to the complete model. The Undo function allows the sculpted changes to gradually be returned back to the original state. If bitmap is selected when opening this tool, it will be overlaid on the sculpted model, helping you to sculpt more accurately. You can also opt to overlay a bitmap image when you are sculpting, allowing you to easily refer to your original material. This means that you are better able to see how sculpting changes affect the whole model. The option to show the grayscale background allows you to see a grayscale image of the model shown on the sculpting screen. The option to Preserve Transparency limits sculpting changes to only be on the 3D model surface and not 'bleed out' onto the surrounding flat plane. The custom brush allows you to easily add texture and detail to your composite model. You can also use the dynamic rotation option that intelligently rotates the brush in the direction that you are sculpting. The component brush option can be used as part of the deposit and remove tools, where the brush will leave an impression in the composite model that simulates the pushing of the component brush through the surface when dragging, and a stamping effect when clicking! The Sculpting Tool allows for the option of using any model as a brush for sculpting, giving you an unlimited selection of brush styles that suit your needs. Smooth, Smudge Deposit, Remove & Erase with options to raise, lower or blend the changes.The Sculpting tool lets you interactively modify 3D designs using the sculpting tools with control over brush size and strength, plus options to, This function sets Aspire apart from typical computer modelers as this type of dynamic editing cannot be replicated using standard surface or solid CAD/CAM modeling programs. Models can be manipulated like a piece of virtual clay to smooth out edges and discontinuities, as well as to add extra detail, all helping to create that authentic ‘hand carved’ look for your models. ![]() Aspire's powerful 3D Sculpting tools provide total flexibility when modifying designs. ![]() |
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