![]() is an Equal Housing Opportunity Lender | Developed by Subsilioįigure: 7 TAC §80.200(b) "CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. #360 Orlando, Florida 32819 | (407)-233-4077 | MLD831 MLD2045 | Licensed by Colorado Division of Real Estate, Arizona Department of Financial Institutions, FL Office of Financial Regulation, North Carolina Commissioner of Banks | Not Intended for WA Consumers. Some products may not be available in all states and restrictions apply. ![]() All loans are subject to underwriting approval. This is not an offer to extend credit or a commitment to lend. Rates, terms, programs, and underwriting policies are subject to change without notice. ![]() Any programs shown do not demonstrate all options or pricing structures. | All information contained herein is for informational purposes only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied. provides home loans, mortgage rates & mortgage refinance programs. This value differs from a market value appraisal, which assumes an arms-length transaction in which neither buyer nor seller is acting under duress.Ĭopyright ©2018 - 2023 American Liberty Mortgage, Inc. For the purpose of determining an LTV, the word “value” is defined as “today’s purchase price.” This is the amount a lender could reasonably expect to realize from the sale of the property in the event that the loan defaults and the property must be sold in a one- to four-month time frame. This is called the loan-to-value or LTV ratio and typically hovers between 60 and 70% of the market value of the property. Lenders structure loans based on a percentage of the quick-sale value of the subject property. Occasionally, a lender will subordinate to another first lien position loan this loan is known as a mezzanine loan, a second lien or a junior lien. Most lenders fund in the first lien position, meaning that in the event of a default, they are the first creditor to receive remuneration. This consideration must be an actual monetary value, or alternatively, have a reasonably determinable pecuniary (economic) value.A hard money loan is a species of real estate loan collateralized against the quick-sale value of the property for which the loan is made. Tax is payable on instruments which convey an interest in real property to another party for consideration. So, therefore the focus of “consideration” is based on an economic value exchanged concept. “….deeds or other written documents transferring Florida real property or any interest in the property to a purchaser for monetary consideration or any other consideration that has a reasonably determinable pecuniary value.” Section 201.02 imposes the tax and states the following regarding consideration: 1961) The key to understanding the scope of the tax is appreciating the concept of “consideration” as it applied in Chapter 201. was patterned after a federal excise tax, now repealed. Generally, it is an excise tax on exchange of documents of conveyance. ![]() Considering “consideration” in taxing mortgages, notes and other financial instruments įlorida imposes a tax on most real estate conveyances.
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![]() In this image the sun was out of frame, but I was still able to capture the flare without the blown highlight of the sun. When I detached the lens, I ended up having a bit more control over where the ring was placed. If you notice in the other flare images the flare is right on the edge of the frame. This is an example of a freelensed image. I ended up moving around a bit to get the flare positioned around the cherries. It’s just off to the right side of the image. Taken right around golden hour so the sun was low in the sky. It was taken mid-afternoon with strong sunlight. This was one of my first accidental sun flare images. I’ve seen others that make a purple, pink, and red. Side note: Not all of these lenses produce the same color sun flare. This will allow you to “move” the flare to different areas of your image. ![]() Try to freelens (if you’re comfortable doing that). Tilt your camera ever so slightly away from the sun so it can “catch” on the lens. Place the sun at the edge of your image (or partially block it with a tree, window, wall, or something). Shoot at a higher aperture to get different shapes (example below). Tips: Shoot at a low aperture to get the circle. ![]() And, oh my goodness, if this isn’t my most favorite sun flare of all my lenses. Pretty early on, while I was trying to get all my bokeh shots, I accidentally turned my lens full on into the sun and found a sun flare. Check out these courses that will help you get creative with photography! This is an example of where I moved the subject to have the lighting I was looking for. It was mid-morning and the sun was bright on the water. This was a set up image, I picked the blue flower and placed it on some wet pavement. These little flowers are pretty small, and behind them were other flowers and grass with dew drops. I handheld the camera and squirted the water bottle, but it would totally have been helpful to have someone else spraying or have the camera on a tripod. I added some water from my spray bottle which caused the background weeds to catch the light, and the smaller foreground bokeh dots is water spray catching the light. And this little plant was surrounded by other weeds (honestly, I’m so bad at making sure the garden is weeded, but it DOES make for some nice background every once in a while). It should toss all those light specks into beautiful circle bokeh.įor the image above, it was mid-afternoon in the summer. Then I like to place my subject with a little space from the background and focus on the subject. I like to look for backgrounds that will produce good bokeh to begin with: things like water drops, trees with light filtering through the leaves, morning dew, etc. Like I mentioned above, I was first drawn to the bokeh this lens produces. Just a reminder to be gentle on yourself and embrace the look. You can definitely have an in focus and out of focus image, but even the in-focus ones will be just a tad softer than if you were using a newer lens. One more thing to note before we get going, this is a vintage lens, and as amazing as it is, it’s not going to be super tack-sharp like the more modern lenses. ![]() Also, because it’s manual focus, I like to use the live view on my camera with focus peaking turned on. Once I received it (about 6 weeks later, due to international shipping), I pretty much left it on for close to a month.īecause this is a manual focus lens, and a slow-to-focus one at that, I highly recommend starting out with stationary subjects: flowers, other nature items, abstract, or the like. Here are my tips, tricks and some inspiration for creating with the Helios 44-2 lens! After a few weeks of this I got curious enough to go try to find one and promptly purchased one. Nearly every time it turned out to be this unknown-to-me lens: The Helios 44. and seeing all these absolutely amazing bokeh filled images. Way back last summer, I was scrolling my recommendations page on Instagram. ![]() How Can I Fix A Battery Charger That’S Flashing Red?.What Does It Mean When My Hart Battery Charger Is Flashing Red?.What Is The Cause Of An Energizer 15 Minute Battery Charger Flashing Red Light?.What Does It Mean When The Light On My Eveready Battery Charger Is Flashing Red?.Is It Bad If The Light On My Battery Charger Is Red?.What Does It Mean When The Light On My Battery Charger Is Red?.What Does A Red Light On My Battery Charger Indicate?.Another possibility is that the battery voltage is too high – if this is the case, then you’ll need to use a different charger. There are several ways to restore batteries that cannot be charged by the charger, so if the light is blinking red within five seconds after battery insertion, then this may be the issue. One possible reason why your battery charger is flashing red is that the batteries you are attempting to charge are bad. So, why is my battery charger flashing red? After reading this article, you’ll know what to do the next time your battery charger starts flashing red. This article will explain the most common reasons why your battery charger is flashing red, and how to fix the problem. If you ignore the problem, it could lead to your battery charger catching fire or even exploding. It’s important to know why your battery charger is flashing red, because it can be an indication of a serious problem. Well, wonder no more! This article will explain why your battery charger is flashing red and what you can do about it. If you’re like most people, you’ve probably had a battery charger flash red at you at some point and wondered what it meant. ![]() iCloud will be able to use the above backup data to restore an iOS device (via the internet)(.Any purchased items (music, apps, books).iCloud can be used to backup your iOS devices including:."Find My Friends", "Find My iPhone", "Find My Mac" facilities (dependant on what software/hardware you have).iCloud will store all your iTunes purchased music, apps, books, documents, contacts, calendar and mail.Your iCloud data including documents of specific applications will be accessible from your iPad, iPhone, iPod touch, Mac or PC Photos - includes the last 1000 pictures you have taken.5GB storage ( separate to your purchased music, apps, books which are all stored for free).An email address (or you can continue to use your old one).When you sign up you will get the following: ![]() What does the "basic" iCloud service give me?Ī. An Apple Macintosh computer running iTunes 10.3.1 or later.An iPod Touch running iOS 4.3.3 or later.To get the iTunes in the cloud features of iCloud you will need one or more of the following: To use Safari with iCloud/Photos you need Safari 5.1.1 or laterĪ.To use Aperture with iCloud/Photos you need Aperture v3 and install the 3.2.2 update or later.To use iPhoto with iCloud/Photos you need iPhoto 11 (v9) and install the 9.2.1 update or later.To use your Apple TV (2nd/3rd Generation) with iCloud/Photos (Stream) you need to update to Apple TV Software Update 4.4 or later.Windows XP, Vista, 7 and 8 are no longer supported!.iCloud for Windows doesn't support Managed Apple IDs.Google Chrome, Mozilla Firefox, or Microsoft Internet Explorer required for bookmarks in Windows 10.Google Chrome, Mozilla Firefox, or Microsoft Edge required for bookmarks in Windows 11.Microsoft Outlook required for Mail, Contacts, and Calendar.A PC running Windows 10 or 11 using the iCloud control panel:.Family Sharing, iCloud Drive, iCloud Photos, Keychain in the Cloud and Mail Drop (large attachments) An Apple Macintosh computer running OS X 10.10 Yosemite or later installed - earlier versions of OS X are no longer properly supported e.g.To get the full benefits of iCloud you really need to be running one of the latest, up-to-date operating systems, but you will generally need an Apple ID plus one or more of the following: What do I need to use the iCloud service?Ī. The "basic" iCloud service is free (with 5GB of storage space). Apple launched iCloud on the 12th October 2011.Ī. ICloud Frequently Asked Questions FAQ Article ID = 18Īrticle Title = iCloud Frequently Asked Questions FAQįrequently Asked Questions about iCloud Q. ![]() ![]() Thus ensuring interference-free operation of your drone even at long distances, See WARNING section below for more details.Īll electronics are kept away from the light-bridge antennas and compasses that are located in all 4 the drones legs. No need to modify your drone in any manner nor do you need to open it,Ĭentral loading the same as all other Gannets - balancing the load on all 4 motors, this is fundamental to all drones. A single charge can do over 100 drops, Over 2-week stand by if left on (warning this could damage the battery) Is fully autonomous and self-sufficient with its own rechargeable battery, charged from an internal charger powered by USB charge lead in under 30min. Selectable electronic or mechanical release - for the guys that fly amongst the gulls, adding protection against reel jams with emergency bail. ![]() Over 10kg release ability - A Phantom can lift 1.4kg Max, 800g Max recommended bait, more possible but not recommended. Mounts in seconds to your drone with no tools required, no removal of the LEDs lens,Ĭlear from the drone camera including the large P4Pro & Adv camera. All remain ON, unobstructed and active, no need to move it to the back legs to clear the sensors. Take the Gannet X and combined it with the Gannet Sport and You get the Gannet X Sport!ĭesigned not to interfere with your drones VPS sensors. Also known as our ultimate release system! The worlds first and only electro-mechanical drone release system (patent pending). Scientifically proven to be the worlds best pressure release system ![]() BreEZe is DCA's licensing and enforcement system and a one-stop shop for consumers, licensees and applicants BreEZe enables consumers to verify a professional license and file a consumer complaint. Non-poweredWARNING: This product may contain one or more chemicals known in the State of California to cause cancer and/or birth defects or other reproductive harm. Welcome to the California Department of Consumer Affairs (DCA) BreEZe Online Services.Lid and Base Made of Outdoor Grade UV Resistant Material In California Breeze, backed by a slow-melodic sample from Coco O. ![]()
![]() In one "suite" a little white poodle named Bijou is lost in the embrace of Morpheus with "Little Nemo" and his cartoon friends swimming by in an eternal loop on the TV set. ![]() As I lazed and dozed at home last summer after surgery, there was nothing sweeter to me in this world than to hear Bijou drinking from her water dish outside my door.ġ3. biu bijoux buz a jewel something small and exquisite, biu -joux -uz, -uz a jewel something small, delicate, and exquisitely wrought. Oh, by the way, have you seen the new picture that's playing at the Bijou ?ġ2. English pronunciation of bijou bijou How to pronounce bijou UK /bi.u/ US /bi.u/ More about phonetic symbols Sound-by-sound pronunciation UK /bi. Movies are my favorite form of entertainment. I wish she will bring happiness for you.ġ1. Thanks a lot for what your family do for Bijou. Et cette nervosité se reflète dans les mouvements de sa souris. Scroll through news articles without touching your keyboard or mouse. Parcourez les articles dactualité sans toucher votre clavier ni votre souris. The house was terribly small and cramped, but the agent described it as a bijou residence.ġ0. 'souris': examples and translations in context. Now look, look at the counterpane world, project yourself into it, look beside that bijou signal box.ĩ. The Ojibwe Peoples Dictionary is developed and maintained by: Nora Livesay, Editor John D. The estate agent described this little house as a desirable bijou residence.Ĩ. The estate agent described the flat as a bijou residence.ħ. bi·joux (-zhoo, -zhooz) A small, exquisitely wrought trinket. The bijou pool where bodies were frequently found floating.Ħ. Jo, I hope you will accept my jewel encrusted gift with a happy heart and enjoy it as intended. Jo, jespère que vous accepterez mon bijou incrusté de cadeau avec un coeur heureux et en profiter comme prévu. Can Chinese be persuaded to pay for bijou cars?ĥ. 'mon bijou': examples and translations in context. Let's meet in the foyer of the Bijou Theater.Ĥ. We can refer to these sentence patterns for sentences in case of finding sample sentences with the word "bijou", or refer to the context using the word "bijou" in the English Dictionary.ģ. Below are sample sentences containing the word "bijou" from the English Dictionary. ![]() It is a fast, affordable utility to allow you to …
![]() ![]() Over 2.5 billion devices use TeamViewer for its fantastic support and wide compatibility. Price: TeamViewer offers a 14-day trial before you must choose a plan.To get started, you simply scan your unique QR code or share a link to connect your two devices. Parallels has also integrated support for any external Bluetooth mice or trackpads you may be using with iPadOS 13.4. If you are a Mac user, you will likely find the program simple to operate, as it incorporates all of the gestures you are already used to using, such as swipe to scroll or pinch to zoom. For example, if you use an Android, you can place your favorite applications on your home screen. Plus, there are device-specific benefits. The Lock'n'Go Magnifying Glass has fantastic readability, so you can choose how large or small you want your text. Parallels is a long-loved software with a full-screen operation and a ton of tools to simplify your life when you are working remotely. Price: There are two plans for Parallels with a 14-day free trial.Compatibility: Mac, Windows, Android, iOS.It's an all-around comprehensive tool that is perfect when you need specialized access.ġ user per connection with basic featuresġ user per connection with enhanced features When you need to store files, you can use the Toolbox feature to store everything you need while running small scripts and other tasks. ![]() You can also notify end-users when you are doing maintenance so they are kept in the know. With special role-based permissions, you can choose with whom you share your private documents - even if you are assigning different roles to different people. Then, you can share files and folders with anyone you like and keep your desktop clean with a simple drag-and-drop function. You must build an access agent installer in order to gain access. With ConnectWise Control Support, unattended access works quickly and without trouble, so you can access desktops even when the user is not there. After that, there are three plans to choose from, depending on the number of connections you need to make. ![]() Price: ConnectWise offers a 14-day trial.If you see inaccuracies in our content, please report the mistake via this form. If we have made an error or published misleading information, we will correct or clarify the article. Our editors thoroughly review and fact-check every article to ensure that our content meets the highest standards. Our goal is to deliver the most accurate information and the most knowledgeable advice possible in order to help you make smarter buying decisions on tech gear and a wide array of products and services. ZDNET's editorial team writes on behalf of you, our reader. Indeed, we follow strict guidelines that ensure our editorial content is never influenced by advertisers. Neither ZDNET nor the author are compensated for these independent reviews. This helps support our work, but does not affect what we cover or how, and it does not affect the price you pay. When you click through from our site to a retailer and buy a product or service, we may earn affiliate commissions. And we pore over customer reviews to find out what matters to real people who already own and use the products and services we’re assessing. We gather data from the best available sources, including vendor and retailer listings as well as other relevant and independent reviews sites. ZDNET's recommendations are based on many hours of testing, research, and comparison shopping. The Boeing Galleries comprise two paved outdoor spaces located on the mid-level terraces. In the summer, the park also hosts outdoor workouts, including free yoga, Pilates, Zumba, and tai chi classes.ĭuring the winter, the park is home to the official City of Chicago Christmas Tree, along with fun and festive events like holiday artisan markets and Caroling at Cloud Gate. The park also hosts annual festivals, including the Grant Park Music Festival, the Chicago Blues Festival, the Chicago Jazz Festival, and the World Music Festival. Don’t miss the beloved Summer Music Series and Summer Film Series, when you can grab a seat on the Great Lawn and enjoy a show under the stars. Millennium Park offers a busy calendar of public events all year round. In winter, it’s a charming ice rink, with Cloud Gate and the city skyline as its backdrop. Over the summer, it’s a picturesque alfresco dining space featuring Neapolitan pizza and cocktails. The McCormick Tribune Plaza & Ice Rink is a year-round attraction along Michigan Avenue. McCormick Tribune Plaza & Ice Rink Photo by Abel Arciniega Take a walk along the spectacular stainless steel BP Bridge to reach neighboring Millennium Park. Adults love the park, too, with tennis courts and picnic groves for a little recreation and relaxation. And in winter, the ribbon becomes a haven for ice skaters. In the summer, the curvy Skating Ribbon becomes a walking and rollerblading path (in-line skate rentals are available). Older kids flock to the 40-foot climbing wall and 18-hole mini golf course, putting through Chicago-themed obstacles. The fun Play Garden is fashioned in the spirit of Alice in Wonderland and Charlie and the Chocolate Factory, with suspension bridges, tube slides, and a big ship to explore. ![]() The spectacular oasis at Maggie Daley Park is a kid’s fantasyland. Self-guided scavenger hunt worksheets in English and Spanish are also available for family fun as you stroll. Take free guided tours from May through September, or tour at your own pace throughout the year. Throughout the year, and for every season, native perennials and bulbs give the garden great diversity, creating a haven for wildlife, birds, and insects. Lurie Garden is an award-winning masterpiece of botanical landscaping. From May through October, the faces of Chicago locals spout water from pouting lips, showering splashers with cooling spray. See yourself and the city skyline reflected on Cloud Gate’s silky surfaces as you enter Millennium Park.Ĭonceptual artist Jaume Plensa’s interactive, larger-than-life video sculpture is composed of a black granite reflecting pool positioned between a pair of 50-foot glass brick towers that use light-emitting diodes (LEDs) to display digital videos. Unveiled in 2005, this is British artist Anish Kapoor’s first outdoor public sculpture in the United States, and one of the largest sculptures of its kind in the world. You can’t come to Chicago and not visit The Bean, one of the city’s most famous icons. Cloud Gate aka “The Bean” Photo by Sawyer Bengtson Grab a seat or sprawl out on the Great Lawn with a picnic as you take in Millennium Park’s Summer Music and Summer Film Series, and a host of annual festivals, including the Grant Park Music Festival, the Chicago Blues Festival, the Chicago Jazz Festival, and the World Music Festival. Plus, the pavilion has a state-of-the-art sound system designed to mimic the acoustics of an indoor theatre. Jay Pritzker Pavilion & The Great Lawnįrank Gehry’s one-of-a-kind bandshell stands 120-feet tall, with a flowing crown of stainless steel ribbons and curving steel plates that make it a stunning and surreal place to see live entertainment. Come explore everything Millennium Park has to offer. ![]() The lakefront campus, located in the heart of downtown Chicago, is home to the iconic Cloud Gate statue (aka “The Bean”), interactive fountains, tranquil gardens, free events, public art, skating rinks, rock climbing, and plenty of green space. Millennium Park is more than an attraction - it’s an expression of the Chicago experience. |