These factors are used to make a payment (or u0022amortizationu0022) schedule. Mortgage calculators determine your monthly principal and interest based on your loan amount, loan term, down payment, and interest rate. Our mortgage payment calculator estimates your total monthly mortgage payment, including: Principal, Interest, Property taxes, Homeowners insurance, and HOA dues, if applicable. How does a mortgage payment calculator work? But you can use these samples as a point of reference to see how payments compare for various loan sizes. That’s because monthly payments depend on your exact interest rate, down payment, and more. Your own monthly mortgage payment will probably be different than the examples shown above. Sample payments include principal and interest only. We calculated mortgage payments for the following home prices using a 10% down payment and a 5% fixed interest rate (which was near the weekly average rate for a 30-year loan at the time of this writing). But you can estimate your payment using today’s average mortgage rates. Note: You likely won’t know the exact interest rate until you’re close to closing and you lock a rate in. Those include home price, down payment, interest rate, and your projected taxes and insurance costs. To calculate your mortgage payment using a mortgage calculator, you’ll need to input details about your loan. How do you calculate a mortgage payment on a calculator? Keep in mind that mortgage rates have risen since 2021, and higher mortgage rates lead to higher monthly payments on average. It did not factor in other monthly costs like property taxes, insurance, and HOA dues. That was the average principal and interest (P&A) payment for a mortgage loan. How much is a typical mortgage payment?Ī typical mortgage payment was under $1,000 per month in 2021, according to CoreLogic. ![]() Use the “By Income” tab on our mortgage calculator to see exactly how much house you can afford based on your income, down payment, and current interest rates. You can also afford a more expensive house the lower your mortgage rate is. Primarily: your income, current debts, credit score, and how much you’ve saved for a down payment. How much house you can afford depends on a number of factors. Mortgage calculator Q&A How much house can I afford? Also check out other calculators by The Mortgage Reports: However, conventional is not the best loan type for everyone. This calculator assumes a conventional loan offered by Fannie Mae or Freddie Mac. Many buyers are eligible, but don’t know it yet. These are general guidelines, however, and home shoppers should get a full qualification check and pre-approval letter from a lender. A home that meets the lender’s property standards.1-2 years of consistent employment history (most likely 2 years if self-employed).A debt-to-income ratio of 43% or less (higher DTI acceptable with compensating factors).Mortgage loans are typically available to those who meet the following qualifications: ![]() See today’s mortgage rates, JMortgage eligibility Leaving nothing to chance, it allows you to estimate all parts of your future home payment. To arrive at this number, home buyers must use a mortgage payment calculator that includes things like private mortgage insurance (PMI), property taxes, homeowners insurance, HOA dues, and other costs. Mortgage calculators are useful - but not if they don’t tell you how much your true home payment will be. Mortgage Payment Calculator with PMI, Taxes, Insurance & HOA Dues
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![]() We are a not-for-profit corporation that works with more than 800 partners to tell the world the story of Florida’s most diverse destination. ![]() Visit Tampa Bay encourages adventurous travelers to unlock our trove of unique treasures. The hip, urban heart of Florida’s Gulf coast beats in Tampa Bay. We look forward to hosting the Kappa membership.” Jamaica Carnival Beauty & Grooming Awards Power 100 News & Politics Happy Founders' Day: 6 Quotes From Famous Members of Kappa Alpha Psi Fraternity Images: courtesy of Getty Images By. “Tampa Bay is Florida’s most dynamic destination with a long, rich African-American history – making a gathering here a natural fit. Corrada, President and CEO of Visit Tampa Bay. “We are thrilled and honored to have such a prestigious organization as Kappa Alpha Psi choose Tampa Bay for its future Grand Chapter Meeting,” said Santiago C. We look forward to hosting the Kappa membership.” “I’m happy that Tampa Bay will be able to host our 86 th Grand Chapter gathering,” Miller said. is a Kappa and welcomed his brothers and their families to his hometown in 2023. Hillsborough County Commission Chairman Lesley “Les” Miller Jr. Hillsborough County Commission Chairman Les Miller is a member of Kappa Alpha Psi. Harmonies are slightly different from the original in this arrangement, but these Good Brothers rose to the challenge and created something beautiful. Kappa Alpha Psi was part of the Divine 9 gathering in Tampa Bay last year, which brought leaders from the nation’s historically black fraternities and sororities to experience the destination. JanuFollow This year, for Founder's Day, and in the spirit of pandemic singing, I wanted to put together a virtual rendition of the Kappa Alpha Psi hymn. “We look forward to enjoying all that Tampa Bay has to offer – the family-oriented experience, the great food, the water activities.” “Tampa Bay has everything that you could want in one package,” Kappa Alpha Psi Executive Director John Burrell said. Kappa Alpha Psi chose Tampa Bay over competing bids from Kansas City, Charlotte, and Nashville. The leadership of the 16,000-member African-American fraternity made its decision in November and finalized the planning at the end of December - just ahead of the fraternity's 14th annual Founder's Day events held January 3-6 at the Grand Hyatt Tampa Bay. has chosen Tampa Bay for its 86 th biennial Grand Chapter Meeting in July of 2023. (January 3, 2019) – Kappa Alpha Psi Fraternity Inc. African-American fraternity brings its national gathering to Tampa Bay in 2023 Agency for International Development and the U.S. Continuing support from nongovernmental groups, along with donors such as the U.S. What can be done? Because one of the most serious threats to great apes is poaching (killing of great apes is illegal, worldwide), the first priority is to ensure protected areas are functional, and that includes installing highly effective law enforcement and supporting wildlife protection elsewhere. (Image credit: Zanne Labuschagne/WCS) Going forward But with the good, comes the bad: These populations are known to be declining at 2.7 percent annually. This is almost a third more individuals than prior numbers indicated. ![]() The study also revealed that 360,000 western lowland gorillas call the Republic of Congo home. We have all seen images of oil palms from horizon to horizon on other continents, and oil palm is a looming threat to African apes, according to a 2014 study published in the journal Current Biology.įrom under cover of leaves and branches, Buka, a silverback gorilla in Nouabale-Ndoki National Park, watches the forest. There has already been some forest loss and degradation, but in the future this will be dwarfed by the clear-cutting of forests for croplands as the range states move away from selective timber exploitation (which leaves the forest still standing) towards industrial agriculture. If land-use planning for economic development does not take into account biodiversity and conservation, industrial agriculture could soon replace vast tracts of the forest home of these great apes. Rather, they live in large, forested landscapes with formally protected areas (such as national parks and reserves) at their core, and in swamp forests. What else has changed since 1988? Deadly outbreaks of Ebola virus disease have burned through mammal populations in northeastern Gabon and western Republic of Congo, wiping out more than 90 percent of these great apes across one-sixth of their entire range.Īs we look to the future, most worrying is that 80 percent of western lowland gorillas and central chimpanzees live outside the relatively safe havens of protected areas. With the opening of the Central African forests to timber extraction, the only remaining bastions of roadless land – where hunters still have to walk – are now protected areas and huge swamp forests. But if he hops on a truck, he can travel 50 miles (80 km) into the woods in a few hours, hunt and come back within days, loaded with the meat of wild animals that he no longer needs to carry on his back. A hunter can walk up to 20 miles (32 km) a day along elephant paths or human trails in the forest. Historically, these forests were accessible only on foot or by canoe along one of the rivers. ![]() Why has this happened? The population declines can be attributed largely to poaching, and those decreases are exacerbated by disease and easier access to the forests as new road networks penetrate deep into Western Equatorial Africa's interior - or, to paraphrase science writer Jared Diamond: guns, germs and trees. ![]() All western lowland gorillas ( Gorilla gorilla gorilla) and central chimpanzees ( Pan troglodytes troglodytes) live in this vast forest west of the Congo River, which covers around 290,000 square miles (751,000 square kilometers) - an area larger than France - and spans three entire countries (Gabon, Republic of Congo and Equatorial Guinea) and parts of three others (Cameroon, Central African Republic and Angola). The forest home of this gorilla and his family is one of the remaining great-ape strongholds - part of the huge Western Equatorial Africa region. A young gorilla was trying to beat her chest like the adults did but had not yet learned the trick she failed to make the distinctive pok-pok-pok-pok sound, or indeed any sound at all. Back in camp, Tutin said, "You see? Nothing happened." In fact, it was an unforgettable week at Lopé National Park in Gabon that included a first glimpse of a western lowland gorilla family. ![]() Here are some of the features you’ll get when you download the MOD APK: Easy to Playįirst of all, the game is incredibly easy to play. The Total Conquest APK comes with several features that make the game more enjoyable for players. Features of Total Conquest Offline MOD APK That’s where the Total Conquest game MOD APK comes in. However, some players find it hard to progress in the game due to its challenging nature. It’s a game that requires a lot of strategy and planning to win. Total Conquest is a popular strategy game that has taken the gaming world by storm. It has additional features and functionalities that the original game doesn’t have. Total Conquest MOD APK is a modified version of the original Total Conquest game.
![]() He also donated 2.37% to an irrevocable charity to promote social responsibility development and scientific research. Philanthropy īy June 2020, Huang reduced his Pinduoduo stake to 29.4% by donating 2.37% to a charitable foundation and 7.74% to the Pinduoduo Partnership. The company said Huang will pursue "new, long-term opportunities". On March 17, 2021, Huang stepped down as chairman and entrusted the voting rights of his shares to the Board. On July 1, 2020, Huang stepped down as CEO of Pinduoduo but continued as its chairman. After the public offering on NASDAQ, Huang's 47% stake in Pinduoduo was valued at $14 billion, making him the thirteenth richest person in China. It became publicly traded following an initial public offering in the United States in July 2018, raising $1.6 billion. In 2019, its revenue was $4.33 billion US dollars (30.14 billion RMB). Pinduoduo had a revenue of 1.4 billion yuan ($280 million) in 2017. Huang founded and led the Shanghai-based company Pinduoduo in 2015. In November, he was named to the 2021 Forbes Rich List of Mainland China, ranking sixth with a wealth of ¥213.2 billion. ![]() In March, he ranked second in the 2020 Huron Global Young Zhuang Sect Self-Made Rich List. In October, he ranked seventh on the 2019 Huron Report. In 2006, he returned to China with Kaai-fu Lee to expand Google services in China.Īfter resigning from Google in 2007, Huang started the e-commerce site Oku. He became an engineer with Google in 2004. Huang graduated with a master's degree in computer science from the University of Wisconsin in 2004. ![]() During his freshman year, he was selected as a fellow at the Melton Foundation. He attended Hangzhou Foreign Language School.Īt the age of 18, Huang began studying computer science at Chu Kuchen Honors College of Zhejiang University. His parents were middle-class factory workers. Huang was born in 1980 in the outskirts of Hangzhou, Zhejiang. Huang is also the owner of at least three other limited liability Cayman companies, including Pinduoduo. He is the founder and former CEO of the e-commerce company Pinduoduo, which is now the largest agriculture platform in China. Colin Huang or Huang Zheng ( Chinese: 黄峥 pinyin: Huáng Zhēng, born January 1, 1980) is a Chinese billionaire businessman and philanthropist. ![]() For this reason, I only like to use concealer on a day-to-day basis ( Tarte’s Shape Tape being my go-to at the moment). In other words, foundation enhances my dull complexion, hyperpigmentation, ever-expanding pores and makes me look much older than I am. Maybe it’s my fine lines and budding wrinkles, but foundation makes me look like a faded film star desperately trying to recapture her youth (à la Sunset Boulevard ). I’ll be honest with you-I don’t like wearing foundation. Ahead, I break down everything you need to know-including its coverage, longevity, and application-to help you decide if Armani’s Luminous Silk Foundation is worth your money or not. So what is it about this foundation that makes it a fan favorite? And why don’t loyal users bat an eye when it comes to its hefty $64 price tag? To find out, I put this legendary foundation to the test. It's no wonder Luminous Silk won its category in our 2022 Beauty Awards.Īlong with a laundry list of accolades, Luminous Silk also has the stamp of approval from royals (like Meghan Markle), A-listers, and beauty editors alike. Taking the number one spot was Luminous Foundation by Anastasia Beverly Hills, followed by Pro Filt’r by Fenty Beauty. In fact, according to a 2019 end-of-year study conducted by Cherry Pick, Luminous Silk was the number three best-selling foundation in the country. It even sells in record numbers-the brand’s site states that roughly 1,000 bottles are sold in the United States alone each day. ![]() And although there have been some up-and-coming talents (think BB creams and tinted moisturizers ), the Luminous Silk Foundation remains a classic that withstands the test of time and trends (just like our beloved elusive chanteuse ). It’s got a diva reputation, has serious range, and stands out solidly on its own. Giorgio Armani’s Luminous Silk Foundation is like the Mariah Carey of makeup. ![]() I especially appreciated the set of hooks at the bend in the ankle, which allowed me to lock in my heels on long climbs. The excellent lacing system, which has been a signature feature of the Quest line dating back to the original, plays a big role in its performance on rough trails. In short, the Quest may be overkill on a casual, short-mileage weekend trip, but it was the ideal pairing for the technical terrain we were hiking in Patagonia. The semi-stiff structure does a great job holding your feet in place without feeling restrictive like a mountaineering boot, and time and again I was impressed with how easy it was to trust my footing when carrying a heavy load on loose, rocky ground. The collar sits higher over the ankle than a standard mid-height boot like the Merrell Moab 2 or Keen Targhee III, but it’s the solid support that sets it apart. One of the main reasons to upgrade to the Quest over a lightweight hiking boot or shoe is its stable feel. ![]() And importantly with this tread design, the lugs have not shown any signs of excessive wear. The Huemul Circuit is about as demanding and varied as it gets, and I can’t remember one misstep across rock-covered glaciers, up steep passes with hairy and loose descents, and numerous creek crossings (at least the ones shallow enough to keep my boots on). Having worn the older Quest 4D 2s extensively over the last few years, I didn’t have major complaints with the traction, but the 3s do seem to have a little more bite on steep sections, and especially on wet surfaces (likely due to the more pliable rubber). The old wave-like look and stiff rubber compound has been replaced with better spacing to avoid caking up in mud, along with a softer Contagrip rubber. Visually, the Salomon Quest 4D 3 and its predecessor are very similar when upright, but flip them over and you see that Salomon completely redesigned the outsole. But for demanding trails and those who want the support, the Quest is worth the additional ounces. If you’re in the market for a lighter and more flexible boot, we recommend the Salomon X Ultra 3 Mid GTX (1 lb. But I think the weight is well-spent with a tall ankle height, burly protection, and class-leading support and comfort. 6.4 oz.) both considerably undercut the Salomon. 7 oz.) and Scarpa Zodiac Plus GTX (2 lbs. ![]() For instance, competitors like the Lowa Renegade GTX Mid (2 lbs. And even within the sturdy backpacking-ready category, the Quest falls a little on the heavy side. It’s difficult to pinpoint the source of the improvement-the forefoot is a little more flexible than the old boot taking some of the sting out of each step, and the outsole’s rubber compound also has more “give”-but Salomon seems to have turned this old nitpick into a non-issue.Īt 2 pounds 13.8 ounces for a pair of men’s size 9s (just 0.6 ounces heavier than its listed weight), the Salomon Quest 4D 3 is almost exactly the same weight as the previous model (this bucks the trend in hiking footwear of always going lighter). But after a strenuous four-day trek in the 4D 3 in precisely that situation, I’m confident in saying the newer hiking boot does a better job isolating your feet from the ground. One of my few complaints with the old Quest 4D 2 was that the moderately thin construction underfoot would leave me with sore feet after long days on rocky trails when carrying a heavy pack. It’s stiff enough that I wouldn’t recommend taking it for a long trek straight out the box, but with only a few short hikes under my belt before starting the Huemul Circuit, it had loosened up enough to be fitting like a glove. The high collar and solid lacing system hold your foot and ankle snugly in place, but generous padding around the ankle and along the boot’s tongue make it very comfortable. When putting on the Salomon Quest 4D 3 GTX, it’s immediately apparent that this is a serious boot. To see how it stacks up to the competition, see our article on the best hiking boots. Below we break down our experiences with the Quest 4D 3 GTX. The Quest is solidly made, provides fantastic support and protection for challenging trails, and retains the aggressive stance and nimble feel of previous generations. We put the boot to the test while backpacking the rugged Huemul Circuit in Patagonia and found it to be the perfect tool for the job. Salomon’s Quest 4D boot has headlined their backpacking lineup for years, and it remains a solid all-around performer in today’s market. ![]() Nageotte, Fetal Heart Rate Monitoring Third Edition, 2003, p.
![]() These super soft toys are perfect for playing, collecting, and cuddling. Great Gift Idea – Suitable as a gift for Christmas, Valentine’s Day and other holidays for friends, couples, family and children. TeeTurtle is the home of the original Reversible Octopus Plushie Show your mood to the world with this cute reversible plush Octopus, as seen on TikTok They are easy to flip inside out, and have two different faces to help you express yourself. Easy to clean, just use a small amount of soap and water to remove stains, and dry naturally.įor Both Children & Adults – The cute and soft octopus plush dolls have smiling and sad expressions, clear outlines, safe and non-toxic, high-quality plush that doesn’t tear or break easily. Super Cute & Huggable – Made of durable plush material, super soft and is filled with high-quality PP cotton material. ![]() Super soft and easy to flip inside out to express your mood! Wide Color Selection – Has different colors for you to choose from. Dimensions: 8' long, 8' tall, 8' wide Materials: Polyester Fiber Big Reversible Octopus Plushies are a TeeTurtle original design, and are protected by U.S. Relieve stress by letting the Reversible Plushie tell friends, family, or coworkers how you are feeling. ![]() Now you can share your mood without saying a word. Unique design and realistic styling give you a very cute visual and sensory experience! Your Perfect Companion To Share Feelings With! This award-winning, 1 best-selling plushie is super soft, portable, and satisfying to flip Finally, an easy (and cuddly) tool for effective emotional communication. Reading the room has never been simpler with this Jumbo Pink & Blue Reversible Mood Octopus Plush. This Reversible Octopus Plush Toy adopts a unique double-sided two-color design, which can be easily flipped into different colors and expressions. Since you'll be underneath the car and the potential of coolant hitting your face is high, it may be a good idea to wear a safety shield to protect your face. Tip: This job should only be completed when the engine is cold and has not been running for a minimum of one hour. ![]() Safety equipment including safety glasses and gloves.However, the difficult work comes in the preparation of the cooling system - both before and after. The actual process of replacing the coolant temperature sensor is extremely simple. Part 2 of 3: Remove and replace the coolant temperature sensor However, since all vehicles are unique, it's important to verify specific instructions with your vehicle’s manufacturer’s service manual before proceeding. Note: The process of removing the coolant temperature sensor is very consistent, regardless of the type of vehicle you own.If you notice coolant in front of the motor, it may be coming from the engine coolant temperature sensor's location. If your engine is overheating occasionally, the problem may be with the coolant temperature sensor.Ĭoolant is leaking under the motor: it's also common for the coolant temperature sensor to become loose and cause engine coolant to leak from under the motor. If this occurs, the potential of overheating becomes greater. The engine is overheating: on the reverse side, sometimes the sensor will fail entirely and won't be able to monitor the engine's coolant temperature. The result will be more black smoke being expelled from the exhaust port of the cylinder head and out the tail pipe. When the fuel mixture is rich (meaning more fuel than air in the vapor inside the combustion chamber) the cylinder will not be able to burn all the fuel. If you notice that your temperature warning light is on and the fuel mileage is really poor, it may be caused by the sensor.īlack smoke from the exhaust: another side effect of a rich engine is that black smoke (or unburnt carbon from fuel) will be present from the vehicle's exhaust when you accelerate. The side effect of this reaction is that the fuel economy will drastically be cut. This in turn triggers the ECM to either add more fuel or reduce air mixture to create a “rich” situation, designed to cool the cylinders and reduce the potential of overheating. The engine is getting poor fuel economy: when the coolant temperature sensor is not functioning correctly, it tends to relay false information to the engine control module. Noted below are a few of the warning signs that will alert you that the coolant temperature sensor is damaged and needs to be replaced. Before you make the decision to replace the coolant temperature sensor, make sure diagnose some of the warning signs of a faulty coolant temperature sensor. Taking time to properly diagnose the precise cause of the overheating situation is very important to providing a solution and actually fixing what is broken. ![]() When a problem occurs with engine heating or overheating, it may be due to one or multiple broken parts. The coolant system on today's cars, trucks, and SUV's is comprised of multiple components that work together to keep your engine running well. Part 1 of 3: Diagnosing a problem with the coolant temperature sensor If you discover that the sensor is failing, you'll have to replace this device by following the step-by-step instructions noted below. When the signal is sent to the ECM, the computer adjusts the vehicles ignition timing, fuel flow, and other factors that trim or enhance performance based on the coolant temperature.ĭue to the fact that engine temperature plays a vital role in the overall performance of any vehicle, having a properly functioning coolant temperature sensor is essential. The coolant temperature sensor (switch) utilizes electrical resistance to measure the coolant's temperature. When the sensor is functioning properly, it will tell your on board computer if the temperature is too high, alerting the driver that a problem exists by illuminating a warning light on the dashboard. The coolant temperature sensor, also known as the coolant temperature switch, is the engine management system that monitors the temperature of the coolant and relays this information to the ECM. One of the most important systems to monitor is the cooling system, which includes the radiator, water pump, radiator fan, coolant lines, and overflow tank. Today's engines monitor virtually every function to ensure your vehicle runs strongly and efficiently every day. |
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