12/3/2023 0 Comments Cal mortgage rates“And when you’re doing that, you really do worry about inflation, because inflation will reduce the value of payments on principal and interest. Therefore, the initial interest rates are normally 0.5 to 2 lower than FRM with the same loan term. The average for a 30-year, fixed loan climbed to 7. “With mortgage lending, you’re typically lending for a longer period,” said Alexander Field, professor of economics at Santa Clara University. US mortgage rates rose for the first time since late August, ratcheting up the pressure on borrowers. But while the Fed’s actions put some upward pressure on mortgages for the short term, home loans - which are typically paid off over 15 or 30 years - respond even more powerfully to long-term pressures. They assume you have a FICO ® Score of 740+ and a specific down payment amount as noted below for each product. Mortgage rate increases began late last year, in response to the Federal Reserve’s decision to increase the benchmark interest rate for the first time in a decade. As of Monday, September 18, 2023, current interest rates in California are 7.63 for a 30-year fixed mortgage and 6.73 for a 15-year fixed mortgage. These rates, APRs, monthly payments and points are current as of currentDate and may change at any time. While ARMs usually provide a lower interest rate initially, they may rise during the latter stages of the loan due to changes in the corresponding financial index. Considering the market’s response to those developments, the drop in mortgage rates wasn’t entirely surprising - even though rates previously had been inching up, stoking apprehension among many homebuyers. ARM RefinanceRefinancing an ARM (when it is about to go through an adjustment) to a conventional fixed rate mortgage during a period of low interest rates can result in a new, more favorable loan. airstrikes in Syria and since an unimpressive March jobs report. 7.500 7.645 Enjoy a low, fixed monthly payment for the life of the loan. When choosing between a variable or fixed mortgage rate, generally speaking, variable rates provide lower mortgage payments as they tend to be lower. Market observers noted that Freddie Mac’s survey was the first since U.S. The declining rates reflected a drop in the 10-year Treasury note yield, which nudged lower Wednesday after President Trump said the dollar was “too strong.” The rise or fall of the Treasury note yield is often predictive of where mortgage rates will be headed. And the average rate on a 5-year adjustable rate mortgage loan was 3.18 percent, down one basis point. Use our free Placer County, California mortgage calculator to quickly estimate your closing expenses on your home mortgage. A 15-year fixed rate loan was 3.34 percent, sinking two basis points. The average rate on a 30-year fixed rate mortgage loan was 4.08 percent, down two basis points. Mortgage rates have fallen to their lowest levels of 2017, according to Thursday’s Freddie Mac Primary Mortgage Market Survey.
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12/3/2023 0 Comments Audible customer serviceYou can also contact our Customer Service team at 1-88. You can choose between one, three, six, and 12-month plans. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.Īs a matter of policy, BBB does not endorse any product, service or business. Learn how to contact TTSReaders customer support, get assistance, and maximize your listening experience. An Audible gift membership is the perfect gift for Audible enthusiasts and anyone who loves books. Hello We would like to take a look into this experience for you. BBB Business Profiles are subject to change at any time. Audible Customer Service is best engaged via chat in my experience. When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.īBB Business Profiles generally cover a three-year reporting period. Audible employees rate the overall compensation. The average Audible hourly pay ranges from approximately 22 per hour for a Customer Service Representative to 103 per hour for a Marketing Director. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles. The average Audible salary ranges from approximately 46,429 per year for a Customer Service Representative to 266,871 per year for a Director. The estimated base pay is 41,709 per year. This number represents the median, which is the midpoint of the ranges from our proprietary Total Pay Estimate model and based on salaries collected from our users. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. The estimated total pay for a Customer Service Representative at Audible is 46,429 per year. BBB Business Profiles may not be reproduced for sales or promotional purposes.īBB Business Profiles are provided solely to assist you in exercising your own best judgment. The stories we tell have the ability to transport and transform everyday moments into meaningful experiences and its our people who make Audibles service possible. New electronic items fulfilled by Amazon AU can be returned for change of mind, for a replacement or a full refund of the purchase cost of the item within 30 days of receipt of delivery.For information about returning faulty electronics please see Returning Faulty Items. Please see our Amazon Global Store Returns policy and Refunds policy for more information about returning Amazon Global Store items.Ĭamera, Electronics and PC Returns Policy Please see About Marketplace Returns & Refunds for details on Seller returns policies. To return faulty items see our Returning Faulty Items policy.įor items ordered on from a seller that fulfils and ships its own inventory (also called a third party seller), any returns will be in accordance with the returns policy set by that seller (not the Amazon AU returns policies). This change of mind return policy is in addition to, and does not affect your rights under the Australian Consumer Law including any rights you may have in respect of faulty items. Unless otherwise stated, original shipping fees for change of mind returns are not refunded. Please Contact Us and see About Items That Can’t Be Returned. In some circumstances, these items may be eligible for a refund or a replacement (for example, if you receive the wrong item due to an Amazon AU error or if the item is faulty). In some cases, the nature of the item means that it is non-returnable, for example, due to hygiene/health and personal care/wellness/consumable nature of the product. You can return most new, unopened items fulfilled by Amazon AU within 30 days of receipt of delivery for a replacement or full refund of the price you paid for the item if you change your mind - see About Replacements and About Refunds. 12/3/2023 0 Comments Clock timer countdownBesides that, our secured and optimized countdown timer can be easily customized to meet your unique brand design. Another significant point is the optimization for Retina displays of the countdown that allows your users to take advantage of high-resolution displays.Įvent organizers, e-shops, and digital marketers have disclosed that it is pretty easy to boost the overall conversion rate using a countdown timer due to the created sense of urgency, anticipation, and excitement. Thus, our countdown timer uses mobile-friendly code that facilitates your users’ mobile experience without slowing down your website speed and embedded countdown. We take the experience of our users extremely important. Make sure you don’t forget anything and incite eager anticipation for that X moment! Moreover, the LogWork countdown timer is a powerful solution for personal needs, too. This free premium countdown timer will help you to stay focused in such a way you will be able to organize everything during the remaining time, making use of unlimited views and an unlimited number of countdown timers. Take advantage of LogWork 100% free countdown timer to boost the buzz and enthusiasm for a special event. Shortly, its catchy features will definitely play right into your hands! - Mobile-friendly, responsive, and intuitive design - Extremely fast embeddable code - SSL for security (HTTPS) - Optimizations for Retina® displays - Easy to share on social networks - Customizable title - Customizable event date and time - Customizable timezone - Multiple languages - Unlimited colors and style customizations. Are you searching for a free and customizable countdown timer for your events or website? Do you want to embed the countdown timer on your website or share it on your social network? LogWork countdown timer is simple but effective in displaying the days, hours, minutes, and seconds until a fixed event on your website or social network. 12/3/2023 0 Comments Gauntlet legends n64 game lengthMidway, known for sweeping nostalgic gamers off their feet with remakes of classics (like Rampage), is now focusing on the '80s coin-eater. If hack-'n'-slash dungeon action with a dash of action RPG gameplay is your thing, this is your game. Midway has captured the old-school gameplay of Gauntlet in 36 perfectly, and made the necessary changes and improvements to the game to make it a fantastic home game. The only problem I have is that it's not always clear when you've missed anything in the levels. They've packed every conceivable environment into this game as they could. Unlike most arcade games these days, Legends has a huge amount of levels, each with its own challenges and enemies-some of which are the most annoying little bastards I've ever seen. If you don't build up your character correctly, you could find yourself stuck on a boss character and have to redo previous levels in order to rack up health and experience. Don't think that it's hack and slash all the way through, either, because you've got to build your character up by collecting gold to buy strength and through fighting experience. Graphically, it's excellent-super vibrant colors, no slowdown (even with four players), huge levels and hard bosses. Legends makes a much better home game than an arcade game. Luckily that idea is completely out the window in the DC version. The whole concept of your life meter ticking away with the seconds no matter what you do just seemed really cheap to me. When I first played Gauntlet Legends in the arcade, I didn't like it. Consequently, the N64 edition has one- to four-player support for all game modes. In addition, a deathmatch mode allows players to go up against each other for points, treasure and gear. There are new player characters, secret characters, new enemies and bosses. So does this console port feature enhancements to the arcade version of Gauntlet Legends? You bet your sweet axe it does. Eac world is composed of five to six levels (some of v.-ich are console-exclusive) and a couple of secret levels, all of which can be accessed through four world hubs. The game is made ip of four main worlds (themed mountain, castle, forest and pyramid), and two endgame boss levels. itch here, which in turn opens a door over there" type of thing. On top of the action, some levels have a puzzle-esque the-e-mostly a "hit this switch here to reveal a sv. For example, one character sends a fiery phoenix toward the enemy while another uses a BFG (the gun from Doom). Besides the usual hack and slash-type moves, characters now have special moves which can be used once his/her power bar has built up. In addition to visuals, gameplay has been upgraded a bit. In fact, the most recent version features the four main players and more than 25 enemies, and still runs at 30 fps. According to Scot Amos, producer for Atari Games, the N64 version can handle four players on screen and as many enemies, objects and magical effects they can throw at it without a problem. Most obvious, the graphics and level designs are completely 3D, with loads of lighting effects for magic and in the environments. Of course, there's a lot about the game that's different from the original, too. 12/3/2023 0 Comments Arq tank topJustin got a lot of knowledge due to this work and in 2017 he started Larq Company.ĭouglas Collins, Chief Technology Officer of this company, before this he worked at RayVio for 6 years. For 3 years he was the President of Product Development Company FOREO. and worked as an Investment Banking Associate for 3 years.īecome an investor in L Catterton. Larq Company’s CEO & Co-Founder is Justin Wang, he studied economics, and political economy at the University of California, Berkeley.Īfter his studies, he joined Merriman Curhan Ford & Co. Company NameĪ self-cleaning water bottle that uses UV light to purify water every 2 hours. Smart Hydration is a hydration tracking device that tracks water intake. Nano Zero Filter Technology is a plant-based filter that pulls pollutants out of the water. This technology cleans the water in an advanced way. In these, PureVis, Nano Zero & Smart Hydration Technology have been used. This company has launched two more new products Bottle Filtered, and Pitcher PureVis. Insulated 17oz & 25oz sizes are priced at $99 & $118 and non-insulated 17oz & 25oz sizes are priced at $89 & $98. LARQ Bottle PureVis comes in two modes Insulation & Non-insulation And its size is 17 oz & 25 oz. LARQ Bottle PureVis features double-wall vacuum insulation that keeps water hot for up to 12 hours and cold for up to 24 hours. This light works for 100,000 uses on a single charge and it is charged via a USB cable. The hospital uses Shame Technology to Sanitize operating rooms. This bottle is smarter, cleaner, better, and can be reused daily. This technology in the bottle automatically activates after every 2 blows and cleans the bacteria. PureVis™ technology has been used in this bottle which removes 99% of the bio-contaminants such as E.coli from water. Larq is a self-cleaning water bottle that uses UV light to purify water. In 2019, Larq generated sales of $7 million.Ĩ) Is Larq Still In Business? What Is Larq? After that, he came to Shark Tank to get his next funding. On January 2020, Justin Wang for $6.1 million for his company, valuing the company at $31 million. This bottle can be taken anywhere like travel, school, office, etc. This single-use plastic bottle is a simple alternative. The special thing about the UV-C technology of this bottle is that it turns on automatically every 2 hours till the water can be purified. To solve all such problems, it was done by Justin Wang, the founder of Larq. Most people drink water from a plastic bottle, but this bottle is not completely hygienic, it contains many bacteria.Īll these bacteria go into the human body through water and It is not so easy to clean a simple bottle one after the other, which cannot be reused either. Men & women need to drink around 3 liters of water every day, if this is not done then there is a high percentage of dehydration.īefore drinking water, care should be taken of its cleanliness, otherwise, disease, etc. This bottle is completely hygienic and can be reused instead of a plastic bottle. The double-wall vacuum is installed in this bottle which keeps your water hot for 12 hours and cold for 24 hours. This technology removes 99% of the bio-contaminants from the water. Larq is an innovative self-cleaning water purifier product that works on PureVis technology. The valuation of this demand of the company is $50 million. Its founder Justin Wang appeared in Shark Tank Season 12 Episode 21 and asked for $500,000 for 1% Equity from Shark. Larq is a self-cleaning and self-water purification system. Buy products such as Microsoft 365 Personal 12-Month Subscription, 1 person Premium. Once this is done, users will be able to access their OneDrive files directly from the ChromeOS and all files will open up through via the Microsoft 365 Progressive Web App. Shop for Microsoft Software in Computer Software for Home & Office. Microsoft says that when the time comes, users will be guided through the process of installing Microsoft 365 and then connecting OneDrive to the Chromebook’s Files app. However, a lifetime license to the latest suite of Office 2021 apps costs a whopping 440 when you purchase it through Microsoft directly. But don't take our word for it, just ask. From apps like Microsoft Office for productivity, to your favorite gaming apps like Minecraft. Chromebooks are useful, but heretofore, Google only supported them for a few years. Find apps to do everything you need on your Chromebook. To further help these users, we will have a new integration later this year on ChromeOS, making it easier to install the app and open files.” Microsoft Office is mainly composed of Microsoft Word for documents, Microsoft PowerPoint for presentations, and Microsoft Excel for spreadsheets. Google extends Chromebook lifespan to ten years. “Today, users of Microsoft 365 and OneDrive software can use the Progressive Web App for their Microsoft Word, PowerPoint or Excel needs. It helps protect against cybersecurity threats, including malware and ransomware, in an easy-to-use, cost-effective package. Answer: The best way to use Microsoft Word on a Chromebook is to use an online version or install it through a remote desktop application. “It’s important to all Chromebook users to have the tools readily available to access the files they need to get things done,” a post on the Chrome OS Beta support forum reads (via 9to5Google). The Microsoft 365 Enterprise and Office 365 Enterprise plans (including standalone plans such as Exchange Online) and Microsoft 365 Apps for enterprise are available for annual commitment payment. The experience is available today for beta users ahead of the full launch. Later this year, Chrome OS will get Microsoft 365 and OneDrive software within the native Files app. 12/2/2023 0 Comments New tomb raider game graphicThere’s nothing in this game that Lara ever really loses, and it has remained the nucleus of every character design since. Lara mostly avoids the design pitfalls of other ‘90s gaming women, and offers a strong foundation to be built upon. Tomb Raider does have the benefit of having nothing come before it to be judged against, but it also bears the considerable weight of not only establishing the series, but of launching one of the first major female protagonists in gaming. The original version of Lara remains one of the strongest. Her scramble along the rusted plane is like a QTE come to life, and this isn’t just easily the best movie Lara, but one of the best Laras full stop. She’s arguably too much of a reluctant hero (a bad habit of the Reboot Era), but once she’s committed, the film is full of vintage Lara set pieces. She’s a great Lara, and easily the best bit about this movie. Yes, the movie spends a bit too long establishing Lara’s character in London, the ending with the twin pistols is way too cheesy, and I’m sure there are a dozen other flaws you can instantly pick out about this film, but I bet very few of them revolve around Vikander not being a good Lara. Whichever Lara is your one true Lara, Vikander’s version gets pretty close. However, the character herself has the quip-heavy attitude of Original Lara, with the charming personality and the reliance on her team which comes from Second Era Lara. The movie follows the basic beats (with some poetic license) of the first outing of Reboot Lara. The movie itself is nothing special, but Vikander’s Lara is actually an incredible cocktail of Lara-ness. Which Lara is this? The Alicia Vikander movie version.Ĭontroversial to have it this high? Maybe. Because of that, it just misses out on the top five. It’s not short of great moments, like the Jeep leaping onto the raft, but ultimately this is one of the few (arguably the only) games where Lara is overshadowed by another character, in this case Werner Von Croy. This change makes the game stronger but limits Lara’s potential in the all-time Lara stakes. It’s the first step away from Lara’s established persona, but ultimately sacrifices characterisation for a greater focus on gameplay. Lara loses some of her easygoing nature in becoming a more focused adventurer. While it’s hard to say that comes at the cost of anything-Last Revelation Lara is a great Lara-it does slightly limit her freedom to show off her range of quips. The ending of the Original Era offers a little bit more than 3, injecting Lara with more personality and expecting her to carry a more substantial narrative than she had so far in the series. Which Lara is this? The one where she dies at the end. ‘00s movies have a history of doing that to their female leads, be they Jessica Alba in Fantastic Four or Megan Fox in Transformers, and Jolie’s sequel Lara is another pushed into that trap. Her accent is somehow worse, and after getting some decent nuance in her performance the first time around, it’s like she’s been told her only motivation is sex appeal. I mean, that bit where she shoots paper targets in trees while on horseback wasn’t part of the movie, right? Jolie obviously filmed that for a completely different film, then the two directors bumped into each other in a hallway like high schoolers in a rom-com meet cute, and the reels got mixed up. The most frustrating thing is she wasn’t half bad at the character the first time around, but she’s all bad here. That this finishes above Chronicles and Shadow says a lot more about those than it does about Jolie’s second try at being Lara. The title is stupid and the movie is stupid. Which Lara is this? The second Angelina Jolie one. To make similar example to the one provided by CS Odessa team of IT specialists, which can be found in the Basketball solution, you can simply drop a needed object from the "Basketball Courts" library to your document while working in ConceptDraw DIAGRAM application, set up all of the needed dimensions and place the design elements the way you want them to look like and the places they should be. An experienced user spends only 20 minutes creating any sample of basketball court in ConceptDraw DIAGRAM having the solution with this library as once you get it, then no more need of creating your own symbols left. "Basketball Courts" library from the Basketball solution is a very useful tool to have in case you need to get some proper design elements for mentioning on your plan. It can be used for many different purposes, but for the purpose of creating it soon and having the final result looking simply amazing, we recommend you to start using ConceptDraw DIAGRAM software already now. You can always successfully use it during the process of construction of the new basketball court, while training the basketball team, while planning the sport competitions and basketball games, as well as in sport conferences and discussions. Having this unique software as well as the appropriate solution is always beneficial as time is money and the less time you spend on making something, that was already created by those, who have lots of experience in drawing it, the better for you, isn’t it? Basketball solution can be also downloaded from the ConceptDraw STORE, where all of the existing solutions for being used with ConceptDraw DIAGRAM software are, and it includes the samples of Basketball diagram with mentioned court and its positions, Basketball plays - 1-4 Low Stack Offence, Basketball plays - 1-4 stack offense pick and roll play, Basketball plays - 3-on-3 plays, Basketball plays - Triangle Offense and Design Elements - Basketball courts.ĭesigning your own professionally looking plan of the basketball court with set up dimensions using ConceptDraw DIAGRAM is a simple thing nowadays. The reason for them to create the Basketball solution, which can be found from the Sport area of ConceptDraw Solution Park, was to help ConceptDraw DIAGRAM users to design their own court plan and to use all of what this solution includes as a tool that will help them to produce the basketball-related illustrations of any complexity in only a couple of minutes. Those IT specialists, working for CS Odessa, developed ConceptDraw DIAGRAM and so the solutions to it, including the one which offers the examples and templates of the basketball courts, know a lot about the way to make a great looking floor plans. Having ConceptDraw DIAGRAM software can simplify your work in making such plans and so your life as no need to spend that much time of creating something that other people know very well how to draw. Having one of the best applications for creating any kind of known floor plans, including the one for the basketball courts, means having the real chance to create a great looking and professionally looking basketball court plan in only a few hours or even minutes. These floor plans can be created in a very short time though, but you have to have the right software to use for making the very correct lines, taking into consideration all of the hall measurements as you would want for other people to come and see the play, wouldn’t you? Especially if you do not have any experience in making similar plans. Making your plan from the very blank sheet can be a hard job. Once you try to create your basketball court floor plan from a scratch you should stick to the appropriate dimensions of your court which have to be mentioned the way the rules of this game involve. There should be sections mentioned on the basketball court plan, which are: center circle, three-point line, perimeter, low post area, key, restricted area arc and other lines. Outdoor surfaces of such courts are usually made from the standard paving materials, for example asphalt or concrete. Playing basketball indoors you may need the court which is made out of maple or wood, but no matter what the floor is made of, it should be always very well polished, so it looks clean, very flat and shining. The court itself is a playing surface which can be illustrated as a rectangular floor plan with tiles at either end on it. Having a properly created plan of the basketball court is always a good start of this social project which will lead to so many people, including adults and children, play this amazing game - basketball - and so become much healthier. If you have a chance to make your own basketball court, for your children to play on it or for some other people, then you have to start with a plan. 12/2/2023 0 Comments Average wingspan of a manThe captive breeding programs were remarkably successful. In 1987, when the last wild bird was brought into captivity, there were only 27 condors left in the world. When fewer than 10 condors were left in the wild, the decision was made to bring them all in for captive breeding. Some birds were also taken to zoos for captive breeding. Knowing that female condors are more likely to lay a second or third egg if the first is removed, scientists began collecting eggs for captive incubation. In 1980, conservation groups launched an all-out effort to pull the California condor back from the brink of extinction. If that egg is removed, however, she will lay a second or a third. They don't breed until they are between six and eight years old, and the female lays only one egg every two years. Condors also contend with the spread of pesticides, which thins their already-fragile egg shells, as well as illegal egg collection.Ĭalifornia condors also mature and reproduce slowly. Lead poisoning was a major culprit: Condors were accidentally ingesting fragments of lead-based ammunition as they scavenged on carcasses of hunted animals. endangered species list since 1967 and were near extinction when their captive-breeding program began. Threats to survivalĬalifornia condors have been in decline about as long as European settlements began to spread across North America. When a big meal is available, the birds may gorge themselves so much that they must rest for several hours before flying again.Ĭondors may fly dozens of miles a day in search of food, but they spend most of their time preening, sunning, and grooming in their roost. Like other vultures, condors are scavengers that feast on the carcasses of large mammals, such as cattle and deer. There are also populations in Arizona, Utah, and Mexico. Condors can now primarily be found in central southern California deserts, where they roost on rocky cliffs. They now only live in a fraction of that range-perhaps because of the loss of the great prehistoric herds that formerly roamed the continent before Europeans arrived. Habitatįossil records show that the birds once occupied an expansive range that extended as far east as Florida and New York. The captive breeding of this critically endangered species is one of the most well known efforts to revive an animal on the verge of extinction. When in flight, this huge bird glides on air currents to soar as high as a dizzying 15,000 feet.Ĭondors were sacred birds to the Native Americans who lived in the open spaces of the U.S. Its wings may stretch nearly 10 feet from tip to tip. The California condor is the largest flying bird in North America. Current Population Trend: Increasing What is the California condor? |
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