![]() ![]() Though you’re free to sell your home whenever you want, it’s not always a great idea when a reverse mortgage is involved. Avoid These Mistakes When Selling a House With a Reverse Mortgage Once all liens and fees are paid off, any remaining funds are yours to keep. However, depending on your contract, you may get six months from the sale date to pay off your loan, plus up to two three-month extensions. Generally, you’re required to pay off your reverse mortgage immediately after selling the home. Once your home sells, the proceeds are used to pay off your loan balance and any outstanding fees. A real estate agent can help you decide what upgrades are needed and how to price the home, as well as coordinate showings, though you aren’t required to hire one.Īlso, keep in mind that if it appears you aren’t actively trying to market the listing, you could get in legal trouble with your lender. You’ll also want to take photographs of the property, market the listing and show the home to potential buyers. Just don’t overpay to totally renovate the place you want to come out with as much of a profit as possible, and most renovations don’t equate to a dollar-for-dollar increase in home value. To ensure you can sell the home for as high a price as possible, spend some time making necessary repairs and getting the property in its best shape possible before listing it. Keep in mind that this will result in additional fees that will come out of any profits from the sale. A real estate attorney will help you navigate the timeline and process so you don’t make any errors that could cost you. However, it’s actually required in some states. You may or may not feel the need to hire a lawyer to help with the sale. If you’re selling the home due to a maturity event, an appraisal is due within 30 days of that event. If the value is less than you owe on the reverse mortgage, it’s important to have an official appraisal on hand so that the lender will accept a lower amount to satisfy the debt. Next, you should get an appraisal of your property to find out the fair market value of your home. Keep in mind that quotes can expire, so it’s important to work toward paying off the loan as soon as possible. You should receive an official payoff quote in writing, detailing the balance left on the loan and what amount of money is necessary to repay the loan in full and close the account. If you plan to sell your home, it’s a good idea to loop in your reverse mortgage lender right away. If you decide to sell your home while you have a reverse mortgage, it’s important to understand the steps involved. 6 Tips When Selling a House With a Reverse Mortgage ![]() But if you’re working with a private lender, the rules may vary. When the sale proceeds aren’t enough to cover the loan balance, it’s known as a borrower’s short sale.Īlmost all reverse mortgages are HECMs. If a maturity event causes the mortgage to become due-but the real estate market has dropped-you can sell the property for the amount of the outstanding loan value or 95% of the appraised value, whichever is less. In other words, you (or your heirs) won’t ever owe more on the loan than what your home is worth. However, a federally backed reverse mortgage, also known as a Home Equity Conversion Mortgage (HECM), is considered a non-recourse loan. On the other hand, if you’re able to sell your home for more than your reverse mortgage balance (including interest and fees), you get to keep the difference. That means your debt increases as time goes on, and you may not receive much of a profit on the sale (or even none at all). Though the process for selling a home with a reverse mortgage is pretty similar to selling with a traditional mortgage, there are a couple of important differences to keep in mind.Ī big difference is that instead of gaining equity as you make mortgage payments over time, you actually lose equity as you receive payments from your reverse mortgage. ![]() If you decide you simply want to sell your home, you’re free to do so at any time without penalty. However, not all maturity events are so dire. ![]() Often, that requires selling the property to cover the balance. The same is true if your home falls into disrepair or you fall behind on property taxes, insurance payments or homeowners association (HOA) fees.Īll of these situations are known as “maturity events” and trigger the reverse mortgage to come due. For example, if you die or have to move into an assisted living facility, the house would likely need to be sold. Not only is it possible to sell a house with a reverse mortgage-in some cases, the home may have to be sold. Can You Sell a House With a Reverse Mortgage? ![]()
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![]() Windows 8, Windows 7: 1 GHz 32-bit (x86) or 64-bit (圆4) processor, 2 GB available hard disk space, CD-ROM/DVD drive or Internet connection, USB port, Internet Explorer Windows Vista: 800 MHz 32-bit (x86) or 64-bit (圆4) processor, 2 GB available hard disk space, CD-ROM/DVD drive or Internet connection, USB port, Internet Explorer Windows XP Service Pack 3 or higher (32-bit only): any Intel® Pentium® II, Celeron® or compatible processor, 233 MHz or higher, 750 MB available hard disk space, CD-ROM/DVD drive or Internet connection, USB port, Internet Explorer 6 or higher. The trick here is to perform 41236 HP after drive rush to get the 236 HP special to.
![]() ![]() Due to the support of a multi-core processor, hyper-threading and hardware acceleration technology can convert two-hour long HD video into MP4 format in just a few minutes.These videos can be played on all devices at a breakneck speed and of high quality. ![]() It can convert all these video formats to various audio or playable video formats. It can read all types of video formats from sources such as the internet, capture cards, digital camcorders, etc. DVDFab Video Converter Pro - Best YouTube converter MP4 Mac based softwareĭVDFab is the most popular video converter available for Mac OS. Here is some top YouTube to mp4 converters that can easily convert the videos to the MP4 format.ġ. To solve this problem, there is a need for a converter. Sometimes you download a video from YouTube, but it does not run on your device's media player. Uploading a video on a YouTube channel is an easy task. ![]() As we know, YouTube is the most widely used website by people worldwide, where they download and upload videos that they like the most. YouTube Converter MP4 Mac Based Software is definitely an effective tool for Mac users to have a better watching experience. Converting YouTube to MP4 Mac with Freemake Video Converter.How to Convert YouTube Video to MP4 on Mac with YouTube Downloader.How to Convert YouTube Video to MP4 on Mac with Clip Grab.How to use Wondershare YouTube to mp4 downloader Mac?.Wondershare Free YouTube Converter - Convert YouTube to MP4 Mac How to use any video YouTube converter to mp4 mac?.Any Video Converter - Easy Converting YouTube to MP4 Mac Software How to convert YouTube to mp4 mac with Mac X Video Converter?.MacX Video Converter - A Compatible YouTube Converter to MP4 Mac How to convert YouTube videos to mp4 mac using Wondershare free video converter?.How to use this YouTube MP4 converter for Mac?.DVDFab Video Converter Pro - Best YouTube converter MP4 Mac based software ![]() ![]() ![]() You can classify scatter diagrams in many ways. ![]() For example, you can use the fishbone diagram to find the two variables (cause and effect) and then use the scatter diagram to analyze their relationship. However, the fishbone or Ishikawa diagram can help you draw a scatter diagram. The scatter plot helps you analyze the correlation between the two variables. The fishbone diagram shows you the effect of a cause however, it does not show the relationship between these two. Note that these two diagrams are different. Many professionals believe that a scatter diagram is like a fishbone diagram because the latter includes two parameters: cause and effect. In that case, you can use any axis for any variable. There can also be two independent variables. It is not necessary to have a controlling parameter to draw a scatter diagram. The independent variable operates as the control parameter because it influences the behavior of the dependent variable. In most cases, the independent variable is plotted along the horizontal (x-axis), and the dependent variable is plotted on the vertical (y-axis). This reveals the correlation between the two. Once the drawing is complete, you notice that the number of accidents increases as the speed of vehicles increases. You select the two variables, motor speed and the number of accidents, and draw up the diagram. You are analyzing accident patterns on a highway. Scatter diagrams can show a relationship between elements of a process, environment, or activity on one axis and a quality defect on the other axis.” Example of Using a Scatter Diagram After determining how they are related, you can predict the behavior of the dependent variable based on the independent variable.Ī scatter plot is useful when one variable is measurable while the other is not.ĭefinition: According to the PMBOK Guide, a scatter diagram is “a graph that shows the relationship between two variables. Mathematicians seem to simply call these scenarios "non-linear" or "curvilinear" relationships, without seeming to notice that there are invariably two distinct relationships being identified by the data.The scatter diagram is considered the simplest way to study the correlation between these two variables. While I have always used the term "split" effect to describe such phenomenon, I have not been able to find this phenomenon acknowledged or identified (by any particular term) amongst economists or mathematicians. ![]() Thus, we often see two or more different effects express themselves through a full range of data. This is because at very high rates of taxation, people either lose interest in working, or they start to seek ways of hiding their income from the government. However, after a certain tax rate is reached, we start to see a new effect take place wherein the tax revenue drops off as the tax rate is increased further. I call this phenomenon a "split" effect.įor example, in the Laffer curve, we at first see the government raise more tax revenue as tax rates increase because they collect more money from citizens. However, sometimes one effect drops off and then a new effect takes over. In economics, we're always interested in identifying "effects" that take place between variables. In Problem #3, illustrations A and B, you show something we see in economics quite a bit. ![]() ![]() ![]() Thousands of people enjoy Illuminations each day as a way to cap off their day of fun at Epcot.Before anyone gets too concerned about the news, do keep in mind that this is the third version of the IllumiNations show, not counting holiday and anniversary versions. Various barges spray up to 4,000 gallons of water per minute into the air and are illuminated with lights. ![]() Three different lasers, located in the Mexico Pavilion, the Canada Pavilion, and the American Adventure Pavilion, cover the lagoon and can be aimed by show producers at various mirrors around the park to redirect and enhance their coverage. Each show includes more than 700 different fireworks. The fireworks themselves have imbedded chips which precisely control the timing of the fireworks explosion and coordinate it with the musical soundtrack. The barge houses some of the fireworks for the show, which are launched into the air with a compressed air system developed by Disney that replaces the typical black powder launch system. Every night, the barge uses more than 400 gallons of fuel. The fire effects in the show shoot up to 60 feet in the air and are powered by liquid propane. This is the only barge in the show that is piloted by a human captain driver. It is run by six separate computers and includes more than 250 strobe lights. The complete barge system weighs an amazing 350,000 pounds and was the world’s first video display system of its kind, featuring more than 180,000 individual LED lights. The show uses many different elements on a grand scale to create a memorable production: lasers, fire, water fountains, and fireworks and even though the show has been running for many years, it still utilizes some very interesting technology: Globe Barge The song was composed by English composer Gavin Greenaway with lyrics by Don Dorsey. The catchy song “We Go On” accompanies the fun. Meaning – This third and final section is where all the torches around World Showcase re-light to signify unity, with lots of fireworks in a grand finale. Famous landmarks and scenes appear on the globe, the buildings of the country pavilions light up, and there are fireworks. Order – This section is where the barge containing the huge globe moves into the center of World Showcase Lagoon and represents the cooling of the earth after creation, moving from hot red colors to cool blue. There are three different sections or acts to Illuminations:Ĭhaos – This section represents the creation of Earth and includes lots of fire and explosions. Show Storyĭid you know that there is a storyline for Illuminations? ![]() It won a “Golden Ticket Award” in the Best Outdoor Show Production category as recently as 2012 by the Amusement Today website, which compiles votes from extreme theme park enthusiasts. However, the show was so popular that Disney decided to keep it on by removing the “2000” and continuing to run the show every night.Įven through the show is pushing 15 years, it is still immensely popular. This was a part of Disney’s celebration of the millennium. A Long Running Showĭisney originally premiered the show in October, 1999 as IllumiNations 2000: Reflections of Earth. At Disney’s Animal Kingdom, it is – well, nothing, yet, although the Rivers of Light show is coming.Īt Epcot, the nighttime spectacular is Illuminations: Reflections Of Earth. ![]() At Disney’s Hollywood Studios, it is Fantasmic. At the Magic Kingdom it is the Wishes fireworks show. Disney likes to offer its guests an amazing show to end their day. ![]() ![]() ![]() So, now you must be ready for installing Adobe Acrobat Reader DC on your PC. There is no full-fledged document editing functionality.There is no way to create PDF documents.The convenient function of photographing the parts of the document you need with subsequent copying to the computer clipboard will allow you to save images from text. You can also make changes to documents if they are editable. The application allows you to conveniently view documents with embedded multimedia files, which makes documents even more attractive and informative. It may be needed in different situations. It is available for almost all types of operating systems used on mobile and computers. NameĪdobe Reader offers us a high speed of working with documents, and ease of reading and viewing. It is available for Windows 11, macOS 10.12, or later, Linux, and Chrome OS. Adobe Reader DC is the latest version of the Adobe Acrobat family of products for viewing and interacting with PDF files. Store and access files online with 20GB of storage.ĭownload: Adobe Acrobat Reader DC 64-bit | 303.0 MB (Freeware)ĭownload: Adobe Acrobat Reader DC 32-bit | 224.Do you need a license for Adobe Acrobat? What is Adobe Reader DC?Īdobe Reader DC is a free PDF reader that can read, search, print, and interact with PDF documents.Send, track, and confirm delivery of documents electronically instead of using fax or overnight services (tracking not available on mobile).Get signatures from others with a complete e-signature service.Combine multiple files into a single PDF (web only). ![]() Turn PDFs into editable Microsoft Word, Excel, PowerPoint, or RTF files.Use your mobile device camera to take a picture of a paper document or form and convert it to PDF.Convert documents and images to PDF files.Sync your Fill & Sign autofill collection across desktop, web, and iPad devices.Īdobe PDF Pack premium features includes:.Get instant access to recent files across desktop, web, and mobile devices with Mobile Link.Store and access files in Adobe Document Cloud with 5GB of free storage.Save money on ink and toner when printing from your Windows PC.Download the free Adobe Fill & Sign mobile app to add the same option to your iPad or Android tablet device. Use the new Fill & Sign tool in your desktop software to complete PDF forms fast with smart autofill.Select functionality is also available on Windows Phone. Work with PDFs from anywhere with the new, free Acrobat DC mobile app for Android or iOS.Businesses will be able to take advantage of Document Cloud for enterprise which provides enterprise-class document services that integrate into systems of record such as CRM, HCM, CLM, and CMS, adding speed, efficiency and transparency to getting business done with documents.Īdobe Acrobat Reader DC new feature highlights: ![]() With Adobe Document Cloud, people will be able to create, review, approve, sign and track documents whether on a desktop or mobile device. Document Cloud includes a set of integrated services that use a consistent online profile and personal document hub. At the heart of Document Cloud is the all-new Adobe Acrobat DC, which will take e-signatures mainstream by delivering free e-signing with every individual subscription. ![]() It’s connected to Adobe Document Cloud – so you can work with PDFs on computers and mobile devices.Īdobe Document Cloud is a revolutionary, modern and efficient way to get work done with documents in the office, at home or on-the-go. Its the only PDF viewer that can open and interact with all types of PDF content – including forms and multimedia. Adobe Acrobat Reader DC software is the free, trusted standard for viewing, printing, signing, and annotating PDFs. ![]() ![]() Next comes the Visual Studio Code as the best open-source text editor. Visual Studio Code is a tool developed and provided by the tech giant, Microsoft. You can see in more detail all the features of the application and other technical issues in the project website.This tool is quite effective and offers advanced features like successful integration with Git and other SCM (Software Configuration management). If what you are looking for is to delete all the configuration and data files, we will have to write the following in the terminal. We just have to open the terminal (Ctrl + Alt + T) and write something like the following in it. To carry out this process, you can easily use the apt command and remove the package from the operating system. Now we will see how to uninstall jEdit from Ubuntu. You have more information on how to correctly install jEdit in your Wiki. For this example I will open a terminal (Ctrl + Alt + T) and use dpkg from the directory where I have saved the file, I will write. To install it, you can select any tool you want (Synaptic, Gdebi. deb package that you can download from SourceForge. Several GNU / Linux distributions offer it in their repositories.įor Debian and Ubuntu there is a. We will only need the chosen operating system to have installed Java 1.6 or higher. JEdit can be run on Gnu / Linux, Windows and Mac systems. At the same time it will allow us to make multiple and rectangular selections. We must also mention the capacity of text folding that it offers us. The character encoding standards have also been taken care of in this editor, as it supports a large number of them, such as Unicode y utf8. Other plugins provide options for XML, HTML, Ruby, Perl, C, C ++, bash, JavaScript, and many other languages, plus object-oriented code / structure browsers, among other things. The complement FTP It will allow us to browse and edit files on remote systems through FTP or SFTP. That way jEdit can be turned into an advanced XML editor. These can be installed directly from the program itself, in the " plugin-manager”. We will have at our disposal hundreds of plugins and macros. With this, they will give us the possibility of executing interactive external commands within the editor, as well as linking them to keyboard shortcuts. These can be downloaded, updated and install without leaving the editor and include a console shell integration. ![]() Its functionalities are expandable by using ' plugins'. For even greater convenience when developing our codes, jEdit provides us with the option of the self-indentation and the autocomplete. Also noteworthy is the syntax highlighting and style checking for over 200 different languages. With it, you can give jEdit a feel very similar to Emacs, Intellij IDE, and others, if that is what you are looking for. This program will offer us a powerful system of key mapping easy to use. With all this, we are presented with an open source editor for professional programming.Īmong the many features that this program is going to offer us, I want to highlight the possibility to define complex macros in BeanShell, JavaScript or other languages. ![]() It can be perfectly adapted to the needs of each user.īeing one of the most complete editors available, I'm saying combines the power of Emacs, the ease of use of gedit, and the advanced editing features found in Ultraedit. It also gives us the possibility of using hundreds of plugins that give the editor flexibility. Among them we must highlight the support of a wide number of languages. JEdit is a veteran text editor with some interesting features for those of us who are dedicated to programming. It also has an established community around it. ![]() jEdit is created in Java and has been in continuous development since 1998. ![]() The only requirement is that you have java virtual machine. It runs both under Windows, Gnu / Linux, Mac OS X and other operating systems. This is a free, powerful and extensible text editor through plugins that will provide us with a large number of functionalities. In the next article we are going to take a look at jEdit. ![]() ![]() ![]() This section centers on the actual execution of Yeshua, which is watched from afar by his one disciple, Matthew Levi. ![]() Ivan later dreams the next part of the Pilate story. When the critics rejected his work across the board, the master burned the manuscript, fled his apartment and checked into Stravinsky’s clinic. They lived together secretly while he worked in his novel about Pontius Pilate. The master had met the love of his life ( Margarita, though the master refuses to name her at this point) when they were both married. The master listens to Ivan’s story about Woland and believes him entirely, while also telling his own about how he ended up in the clinic. Koroviev makes money rain down from the theater and gives out the latest fashionable items to the Muscovite women.Īt Stravinsky’s clinic, meanwhile, Ivan meets the master, a fellow patient. Their show amazes the Muscovites, as they marvel at the decapitation and “re-capitation” of Bengalsky, the hapless master of ceremonies. That evening, Woland and his entourage perform at the theater. Woland sends Hella, a beautiful redheaded succubus, to turn Varenukha into a vampire. They are baffled by a series of telegrams from Yalta purporting to be written by Styopa, who couldn’t physically have travelled such a long distance since being at the theater the previous day. ![]() The Variety theater’s financial director and administrator- Grigory Danilovich Rimsky and Ivan Savalyevich Varenukha respectively-try to find out both why Styopa isn’t there and more about the mysterious Woland’s planned performance. Styopa is then instantly transported thousands of miles away to Yalta. Woland informs Styopa that they will be taking over his apartment. Woland then introduces his entourage: Koroviev, a man with a single fang called Azazello, and a huge talking cat called Behemoth. The stranger seems to explain the events of the previous day, stating that Styopa had agreed to put on Woland’s black magic show at the theater, even producing a contract with Styopa’s signature on it as proof. He has a terrible headache and is surprised to see a strange man in his room-Woland. The next day, Styopa Likhodeev, the director of the Variety theater, wakes up in his apartment on Sadovaya street. His hysterical manner and the fantastical nature of his story, however, land him in Dr. Through a comedy of errors, he ends up at Griboedev’s, the building housing Massolit, and tries to tell his fellow writers what’s happened. Ivan tries to chase after Woland and his accomplices- Koroviev and the big black cat, Behemoth-but loses them. Pilate is intrigued by Yeshua’s radical compassion for all of mankind and deep down is resistant to condemning him to death but is forced to do so in order to avoid the repercussions that would come with sparing him.īack in Moscow, Woland’s prediction comes true as Berlioz slips on sunflower oil and falls beneath a tram, losing his head. In Yershalaim, Pontius Pilate, the Roman authority in the city, is presented with Yeshua Ha-Nozri, who is accused of inciting public unrest and wanting to overthrow the Emperor. Woland then narrates the first part of the Pilate story. Even more mysteriously, the strange professor casually informs Berlioz that he will be decapitated that day. This foreigner insists that Jesus did exist, and that he was there when Pontius Pilate approved his crucifixion. Berlioz explains why Jesus never existed but is interrupted by the arrival of a “strange professor,” who the reader later learns is Woland (Satan). Berlioz, who is the chairman of the writers’ union Massolit, criticizes Ivan for making Jesus seem too real in his writing. The book opens with the first of these, as two writers, Mikhail Alexandrovich Berlioz and Ivan “Homeless” Ponyrev, discuss a poem written by the latter. The Master and Margarita has two main settings: 1930s Moscow and Yershalaim (Jerusalem) around the time of Yeshua’s (the Aramaic name for Jesus) execution. ![]() |
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