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I suppose to start my freelance work right in a moment as I was really motivated by your advice, tank God I already have a job but still in school and don't know how to combine it….Very informative article right there! I still think there are questions one needs to ask himself prior to beginning a freelance business. Freelance can be rewarding particularly if you take one step at a time from defining your go.
Another option is to take photos locally for homeowners. Many people don't have good home listing photos of the home they're trying to sell. If you notice, many of these pictures, aside from the ones done by professional photographers, have bad lighting, show clutter, etc. If you're good at taking pictures and have a nice camera, you might be able to sell your photo taking services to real estate agents or to people trying to sell their own home.
The company believes in saving the environment and the products are amazing. Anyone would want to join as members receive almost 35% discount, plus loyalty shopping dollars of 15% of your purchase and the list is endless. I love it. Plenty of quality time to spend with family and children! If you would like to join, leave your email here and I'll reply to your email.
Now next, you'll want to pick a WordPress theme from somewhere like ThemeForest, Elegant Themes or OptimizePress. This is the barebones design of your site, which you can then customize with your own branding, copy, and images. That being said, you don't want to cheap out. It costs less than $100 to buy a theme that will make your website look professional (and you can upgrade to a completely custom design once you get the business going).
Home Income Cash System is pretty much an outright scam and hopefully you came across this article before you purchased anything. They always make everything seem so easy. That can be misleading because just about any Internet marketer can tell it definitely is not as easy as posting a few links on the Internet. It takes time, skill, and hard work to truly start turning a profit online. That's just the reality and there are a lot of low quality programs like this one, that mainly just give you an idea about Internet marketing rather than really providing profitable value. You want to find a program that is recommended by someone or some site that knows about online business and affiliate marketing.
I am a little late posting this, busy due to the holiday season. I love finding ways to make extra money. I have been using ebay for about a year, and sometimes make as much as I do at my job. My regular job is doing things for people that they cannot or don't want to do for themselves. I am a personal assistant, house sit for people who own beach houses, clean out and organize closets and entire houses. The bonus to organizing closets is that they don't want what they clean out, so I can sell it on ebay too 🙂
Thank you for the input. I think your probably right….the purse selling would be a huge challenge. Thank you for the suggestions 1 & 2. My husband owns a complete auto care business and we are leaning towards purchasing vehicles from individual sellers to resell. That may be the more certain route to take. We have access to auto technicians and auto equipment etc. I was kinda trying to do something myself, I'll get back to brain storming!
While many people start a home business to create or replace a full-time income, some people simply want to generate a little extra money to pay debt; save for a rainy day; or use as mad money, a sum of money reserved for small expenses or impulsive purchases. In the past, those who wished to make extra money needed to go out to find a second job. Fortunately, times have changed and people are thinking creatively about how to make extra money from home. They may be selling their services such as driving or shopping, skills such as writing or sales, or used items such as furniture, technology, or clothing to bring in extra income. Websites designed specifically to assist you in getting rid of unwanted items or selling your services or skills can help.
Hello Philip–good list but most of the activities are so cliche and yet more creativity could be better employed here…this would make me work more hours for a little more pay and still keep me in the debt circle for so long. it would require me to worker harder so that i can make more money and yet am at the point where i want my money make more money with me getting less actively/ physically involved. Some call it 'Working Smart' unlike traditional options that have often helped many to stay afloat without helping them soar to financial growth and prosperity. Thanks though
Blogging is also one of the cheapest ways to make money online, aside from the time and and intellectual input that you have to invest. As you begin to make money from your blogging efforts, you can easily outsource for greater scalability. I also use Bluehost and I like the fact that it seamlessly integrates or interfaces with WordPress. You can set-up a domain or subdomain in minutes and start blogging in seconds. I love it!
Sign up for a reputable affiliate network: Aside from Amazon, there are dozens of large reputable affiliate networks, such as Share-A-Sale, Clickbank, and Skimlinks, that specialize in connecting you with merchants who are looking for affiliates to sell their products. They charge relatively low commission fees for the privilege of connecting you with merchants, and the merchants on these sites tend to offer much higher commission percentages or set dollar amount payouts.
Mentorship. With sites like Etsy, it simply doesn't make sense to reinvent the wheel when opening a shop. Instead, look to others who have been down the path and have learned the hard way what to do – and what not to do. Blogs like Handmadeology and EverythingEtsy.com offer hints and guidance for artists just looking to get started in this profitable home-based business.
Posting on Facebook can be a good start, but you'll likely only earn a few dollars. But if you start a small blog about the products you want to write about, you could start earning serious money over time. If you don't know what to write about, don't worry. We have a huge list of over 350 ideas for websites. Click here to get access to that list. And if you need help getting your blog started, check out incomeschool.com/new.
Buy bottled water in bulk at Costco or Sam's Club and sell it for a dollar where there are a ton of people: parks, festivals, concerts, etc. People are crazy for bottled water and this is a little summertime gig that can bring in more money than you'd think on a hot sunny afternoon. Here's a bonus tip: give some of your proceeds to a charity you care about or that you know will resonate with people. In doing so, you're bottled water business isn't all about your profit. You're helping better our world and also provide a thirsty person some water to drink.
Double check yourself, before you double wreck yourself. Make sure everything you send to a company, whether a résumé, an email or a portfolio, is good to go. Double check your grammar and wording, and for God's sake use spell check! This is especially important when it comes to the company's name. Don't spell their name wrong and be sure to type it how they type it (e.g. Problogger, not Pro Blogger).
Comfort. Perhaps the biggest thing that you'll need to do in order to create a successful B&B is to make sure that your guests are as comfortable as they can be. Remember, they're paying more for the experience of being comfortable away from home. As a trial, spend a night in the room in your house that you intend to rent and view things from a guest's point of view. Is the temperature comfortable? Is the bath in the room, or at least a comfortable distance away while still being private? Is the bed soft and inviting? The pillows? Is the bedroom interior design, including colors, soothing? Can you hear household noises, or do you feel that you're in a world of your own? All of these are important questions to ask yourself, but the answers will determine whether or not your guests recommend your place, or come back for another stay. Think about all the minor inconveniences and discomforts that you've just gotten used to over the years, and remember that a paying guest might not tolerate those problems for a night. You may need to spend a little money to fix these issues.
The music industry might not be as strong as it was in the 80s, but there are still plenty of ways to make money online as a musician. Sites like SoundBetter let you sell your services as a songwriter, producer, or session musician to thousands of customers a month. While Musicbed, Music Vine, Marmoset, and SongFreedom are perfect for licensing your music to TV shows, movies, and web series.
all your advice works. i know because i have followed those steps since my early to mid-20s when, as a self-employed freelance journalist, i opened what was then called a keough account. those were pre-cursors of today's ira's. i always socked the limit into those, and soon opened an ira, as well as a 401k and a roth when they became available. i also opened fidelity and later, vanguard, mutual fund accounts. i always saved more than i spent, probably at least half my pay, which was never higher than about $65k during all the years i worked in journalism. true, my friends always liked to joke that i was "cheap," but who's laughing now? i crossed the $1m line in late 04, quit full-time work at age 51 and do exactly as i please with myself today, which is mainly being a semi-pro musician, the career the i almost established when i was in college. mercifully, i don't have to live off it today. my main advice is to avoid credit-card debt. i am always astonished by how much people carry. ive never carried any. my debts are always limited to mortgage and, at times, car loans. i could own fancier cars and houses, but i have never felt the need, unlike my cash rich, but investment-poor friends. i live off corporate junk bonds today, plus music and random freelancing. my goal is to get to about $1.5m, get 80 percennt out of today's way too unstable stock market, and live off mostly fixed income investments. way down the road, ill add social security, and a pension from the 25-years-plus i worked in newspapers. it can be done. the millionaire-next-door exists all around us.
I'd say an interesting thought to add would be an idea suggested by Mark Cuban a while back on his blog. It was basically the idea that you're not necessarily saving money so that you can invest slowly and retire comfortably, but that you were saving every possible penny, at every moment, so that when an actual fantastic opportunity came around you'd have money to invest.
Breaking In. Many people find that once they've completed their training, getting their first job can be difficult because many companies require a minimum of two years experience. Many newbies start out by volunteering to get some history under their belt. It's not impossible to land a job fresh out of school, but you'll need diligence and persistence, and probably a little luck.
My use of the word "secrets" in the title of this article might have brought you here hoping for a guaranteed, almost magical solution to make you wealthy. There isn't one. The fundamental objectives are simple: Make more than you spend, and use the excess to invest wisely. How you invest is up to you (with a few caveats below), but the obvious goal is to make investments that have a high likelihood of making you more money in the future. That's it. The ways to achieve this are by making more money, spending less, and investing more wisely.
Companies these days are expanding their office boundaries to incorporate the idea of working from home. These work from home companies offer employees flexible working hours, better pay and freedom from office walls. Even though the internet is flooded with many online jobs, there are some that offer better pay. Here is a list of work from home firms that are willing to pay $16 per hour or more for home-based jobs.
You won't be able to sell the card for its face value, but you may get as much as 90% of that value. Start your resale process at GiftCardGranny.com, a comparison site. It will give you a good sense of how much your card will be worth. When you sell the card, the site will generally cover the cost of shipping the card to them, and you will receive your payment within three to seven days.
Start a bed and breakfast. If you live in a popular resort area or own a historic property, a B&B might be the perfect side hustle. Not only can you work at home with this career, but you'll also score some tax write-offs in the process — although most innkeepers caution that the profession requires a lot of hard work and is more of an attractive lifestyle than a money-making pursuit.
Allan Liwanag is a personal finance blogger who paid off at least $40K debt in 3 years by adopting simple and extreme saving techniques while ensuring his family's needs were taken care of. An analyst by day and dedicated blogger by night, he loves to share his thoughts - based on his research, personal knowledge, and experience - on topics related to family, life, and money. Allan lives with his family in Maryland, USA.
The views expressed on this blog are those of the bloggers, and not necessarily those of Intuit. Third-party blogger may have received compensation for their time and services. Click here to read full disclosure on third-party bloggers. This blog does not provide legal, financial, accounting or tax advice. The content on this blog is "as is" and carries no warranties. Intuit does not warrant or guarantee the accuracy, reliability, and completeness of the content on this blog. After 20 days, comments are closed on posts. Intuit may, but has no obligation to, monitor comments. Comments that include profanity or abusive language will not be posted. Click here to read full Terms of Service.
In order to actually generate income, you need a really good system that has good training and shows you exactly what to do, even if you're a beginner, and that's why we can provide you with a top-rated income opportunity that actually does work. You are shown step-by-step in videos and courses that guide you so you can't lose. You're not going to get that with Home Income Cash system at all.
Whether you have a website or are still dreaming up ideas for a blog, you can also look into affiliate marketing. With affiliate marketing, you partner with brands and businesses within the content of your website. If you mention a product or service, you link to that produce or service using a unique affiliate code you received when you signed up for that particular affiliate program. From there, you'll make money any time someone buys a product or service through your link.
The views expressed on this blog are those of the bloggers, and not necessarily those of Intuit. Third-party blogger may have received compensation for their time and services. Click here to read full disclosure on third-party bloggers. This blog does not provide legal, financial, accounting or tax advice. The content on this blog is "as is" and carries no warranties. Intuit does not warrant or guarantee the accuracy, reliability, and completeness of the content on this blog. After 20 days, comments are closed on posts. Intuit may, but has no obligation to, monitor comments. Comments that include profanity or abusive language will not be posted. Click here to read full Terms of Service.
If you've got a way with words and expertise in a niche, there are plenty of sites that will pay for articles and content you write. Think of the sites you read regularly. What can you contribute to them that would be interesting? Research your niche and then look for ways to pitch articles. Many sites will simply have a submission or contact link in the footer. To get started, check out my full guide to becoming a freelance writer on the side and then submit your articles to places like Instash, Listverse, TopTenz, A List Apart, International Living, FundsforWriters, and Textbroker.
Companies these days are expanding their office boundaries to incorporate the idea of working from home. These work from home companies offer employees flexible working hours, better pay and freedom from office walls. Even though the internet is flooded with many online jobs, there are some that offer better pay. Here is a list of work from home firms that are willing to pay $16 per hour or more for home-based jobs.
We've all heard the saying. Pay yourself first. But how many people follow it? The truth is that most of the world lives with a scarcity mentality. They go paycheck to paycheck, petrified of what might occur if they get sick or lose their job or something else traumatic happens. The truth is that if you don't pay yourself first, you'll never be able to get rich. It's part of having an abundant mindset and should be prioritized at all costs.
I have a question. I am 24 and I just started selling commercial insurance. My wife and I have about 70 k in student loans which we plan on paying back asap. I am going to have an additional 10k on top of my salary next year which I plan on saving until the end of the year and allocating it as I see fit. Everything I read says "compounding interest is the bomb" but then says "don't save, pay down debt". Now, I hate debt but I want to take full advantage of our young age and compounding interest. What would you recommend I do with extra 10k if we already put and extra $200 towards debt a month and we have an emegency fund in place? Fully Fund our IRA's for the year or pay down a loan? I feel like there is no right or wrong answer. Your thoughts?
Affiliate marketing presents a very low friction entry into selling products online. While you do need some type of audience to sell these products or services to, you could make a significant amount of money from home while doing it. Some products or services have very high earnings per click. That means, if you play your cards right, you could easily make a large profit on conversions by driving traffic to specific offers as long as you target the right interests.
Find an audience for your passion or hobby and you're all set to make money online doing something you love via a niche website. That of course, is easier said than done. Creating a profitable niche website takes time and is not intended for the faint of heart. But, if you can hurdle the steep challenges and positively answer a few key questions on whether the website business idea you're thinking about is profitable, then you can begin building it and eventually monetize through advertising, affiliates, or other relevant products.
Please, can you let me know what your great online job is? I have been combing the internet for a legitimate job now for quite a while and I come up empty-handed most of the time. I am a fast typist (62 WPM), but have found that you need to either know how to translate or transcribe. I have a hearing problem, so sometimes it's hard for me to understand what is being said in a recording, especially if the person talks fast. Thanks
Please, can you let me know what your great online job is? I have been combing the internet for a legitimate job now for quite a while and I come up empty-handed most of the time. I am a fast typist (62 WPM), but have found that you need to either know how to translate or transcribe. I have a hearing problem, so sometimes it's hard for me to understand what is being said in a recording, especially if the person talks fast. Thanks
I recently stumbled on the Trim app and I have to say, this one is a game changer. It's a simple app that acts as your own personal financial manager. Once you link your bank to the app, Trim analyzes your spending, finds subscriptions you need to cancel, negotiates your Comcast bill, finds you better car insurance, and more. And of course, the app is free! My bet is that it will only take a few days for Trim to put an extra $100 in your pocket. So easy!
Salvage and resell. Do you love antiques or have a knack for finding valuables at flea markets or yard sales? If you do, it might be time to consider salvaging items for resale – or even scouting out antiques to sell for a profit. While you'll need to spend quite a bit of time searching for prospects and spend some money buying upfront, you could easily turn a profit if you know what you're doing.
Whether you want to become your own boss, start a side hustle, or earn extra money on the side, any of the strategies listed above can help. By finding ways to increase your income, you can free up more cash to pay down debt, save for the future, or invest for retirement. Saving money is only half of the equation. And if you truly want to get ahead, you might want to figure out how to make money – and hopefully, lots of it.
How much you can earn: I personally earned over $650,000 last year from my blogs, but I do this full-time and have put in 5 years of work to build it up to that. If I remember right (it's been a while!), I earned $35,000 my first full year. We teach people how to replace their full-time income within 24 months in our Project 24 program. We even outline how to do it in our free webinar that you can watch here.
Craigslist: Craigslist is definitely the scrappiest of the major online resale options. The advantage of Craigslist is its enticing profit potential, thanks to the total lack of listing and selling fees for most items. The disadvantages are many, but include potential safety risks and higher chances of nonpayment. If you do choose Craigslist, keep your wits about you and use the buddy system.
Even if your car rarely goes unused long enough to rent it out to a visiting driver, you can still potentially "rent it out" by turning your vehicle into a rolling advertisement. The site freecarmedia.com pairs car owners with advertisers who are looking for mobile billboards. Drivers can earn up to $400 per month by agreeing to have their vehicle wrapped with a vinyl decal (called a car wrap) provided by an advertiser. Generally, your program will last anywhere from 6 to 24 months, and you get paid for following your normal driving routine.
Affiliate marketing presents a very low friction entry into selling products online. While you do need some type of audience to sell these products or services to, you could make a significant amount of money from home while doing it. Some products or services have very high earnings per click. That means, if you play your cards right, you could easily make a large profit on conversions by driving traffic to specific offers as long as you target the right interests.
Our wage and job-growth information come from the latest edition of the Bureau of Labor Statistics' Occupational Outlook Handbook. The BLS lists "median" wages for jobs rather than "average" wages. The median wage is in the middle of the data set, with half of the jobs paying less and half paying more. BLS job-growth projections are for 2016 to 2026.
Net worth is probably the most important financial number you can track. It's a simple way to see your financial life with a few basic calculations. Every month income comes in, and expenses go out to pay bills and rent. If after all your expenses are paid if you still have some money left over – that's great. Now you have money to invest and grow.
They are gifted knowledge and networks that allow them to make better long-term decisions without even realizing it. A fascinating example comes from the field of behavioral economics and involves first-generation college graduates accumulating lower levels of net worth for every dollar in salary income due to not knowing about basic concepts such as how to take advantage of 401(k) matching.
Earnest (refinance your student loans): Same idea as above but on your student loans. There is $1.4 trillion in student loan debt outstanding. When you have student loan debt, it can make it hard to get ahead, invest, or to buy a home. If this sounds familiar, refinancing the debt can not only help you pay it off more quickly, but it can save you money on interest too.
While it is possible to make a lot of money while working for someone else, the truth is that you should mind your own business. Start and grow your own business, no matter what it might be. Identify what you're really good at, and develop the skills into a business that you can expand over time. Don't look for instant payouts or overnight riches. The reality is that it's going to take time, so you might as well start now.
The fear here is that they'll say no. But is that really so scary? If they do say no, after you've provided them with evidence demonstrating your value to the company, and they're not willing to give you a raise or contribute to your career growth in some other manner, that sends a pretty loud message that your career growth is not a priority to the company and that it might be time to find a firm that does value you and your career development.
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The hardest part about saving money is actually transferring the funds out of your checking account and into a savings or emergency fund. No one wants to see their savings account drop without an immediate benefit! But with Rize, you can automate saving so you never have to think about it. Just set a savings goal and a date, and Rize will do the rest.
Harris, I think it depends on several factors. First, I recommend having a well established emergency fund that will be enough to cover several months living expenses. This will help you cover any unexpected expenses and avoid taking out additional debt. Next consider other short/medium term goals. For example, are you saving to buy a house, do you need to replace your car in the next two or three years, etc. Finally, consider the interest rates of your student loans and what you may be able to earn in an IRA and decide which option is best for your needs. Investing for retirement now could be a huge benefit for you and your wife when you reach retirement age, but eliminating debt increases cash flow and gives you peace of mind. Both options are solid. Best of luck.
Getting wealthy or attaining a certain level of income is just like achieving any other goal. To get there, you need to ensure that you set those goals the right way. Set SMART goals and be very specific about them. Don't set them arbitrarily in your mind. Write them down and come up with powerful reasons why you absolutely must achieve them. That's one of the biggest and most potent internal transformations that you could make in your mind.
Advertising. You won't have any quests until you get the word around about your room. Start locally by putting a sign in your front yard and spreading the word through friends and family. Next, build a small website and make sure that you attract the search engine spiders by using the keywords people would likely search for when looking for a place to stay in your area. In addition, there are sites that specialize in promoting specific areas and their attractions, such as HomeExchange, BedandBreakfast.com and Airbnb – your Bed and Breakfast should be listed there.
While it is possible to make a lot of money while working for someone else, the truth is that you should mind your own business. Start and grow your own business, no matter what it might be. Identify what you're really good at, and develop the skills into a business that you can expand over time. Don't look for instant payouts or overnight riches. The reality is that it's going to take time, so you might as well start now.
If you have a fondness and talent for taking pictures you can make extra money online by becoming a stock photographer and selling your images to a stock photo company like ShutterStock or iStockPhoto. You'll get royalties every time someone licenses an image you've submitted. To really be successful, build your own photography website to be able to showcase your portfolio and start getting higher-paid private corporate work.
Do you search the Internet? Want to get paid for it? Swagbucks is a site that rewards you for doing various online tasks like taking surveys, watching videos, and using their search engine. When using their search engine, you get reward points after several searches, usually in the amount of 10-15 points. You can start cashing out rewards at the 500 points mark.


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About Tyler Bryant & the Shakedown
Tyler Bryant is an American rock musician from Texas. He moved to Nashville at 17 to write songs, and in the process he met drummer Caleb Crosby and bass player Calvin Webster. Caleb and Calvin joined Tyler's band, named "Tyler Bryant & The Shakedown", which now also includes bass guitarist Noah Denney and guitarist Graham Whitford (the latter being the son of Aerosmith's Brad Whitford).
Tyler Bryant & The Shakedown released their debut album Wild Child in 2013. The present members of the group include Bryant (lead vocals, guitar), Graham Whitford (guitar, backing vocals), Noah Denney (bass, backing vocals) and Caleb Crosby (drums).
Last updated: Oct, 2017


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Get free, customized ideas to outsmart competitors and take your search marketing results to the next level with Alexa's Site Overview tool. Discover even more ideas with a free trial of Alexa's Advanced Plan. You'll find the tools you need to drive more traffic, including:.
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Friday, 15 November 2019
new 12" vinyl split
Very pleased to announce that we are back with the wax trax, our new 12" split with MxAxMxA (Russia) and Psycho (USA) is available for preorder now from our bandcamp. 5 of our own songs and 14 in total on black vinyl, grab it now!
Wednesday, 4 September 2019
Take Cover!
a little tribute to some legends and influence upon us, enjoy!
Wednesday, 14 November 2018
new video
our new high budget hollywierd production video for "Invested Interest" is up for your viewing pleasure! check out the videos page, cheers!
Friday, 17 August 2018
updated videos and bio
some good live footage from Russia and the Netherlands, plus the ever lengthening list of bands we've gigged with :)
Friday, 6 July 2018
thanks and more gigs
we had such a great time in europe, thanks to everyone that made it happen and all the support received out there. lots more gigs announced closer to home but still as exctiing!
Tuesday, 5 June 2018
euro mini tour!
very excited to return to europe for a few gigs in the low countries, see gigs page for details
Monday, 12 March 2018
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Sewing With Nancy (2000)Run Time - 30 min. | Countries - United States |
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Synopsis by Betsy Boyd
Part of the Sewing With Nancy video series, in which expert seamstress Nancy Zieman teaches viewers how to improve sewing technique and try their hand at artistic cloth creations, Sewing With Nancy: 10, 20, 30 Minutes to Quilt Fleece focuses on quilting technique. Zieman teaches sewing students how to quilt most efficiently, providing lessons on quilts, high-loft fleece, and baby blankets.


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Jumbo Rates Vs Conventional Jumbo Mortgage Rates Vs Conforming Non Conventional Mortgage Jumbo Mortgage Lenders What's the Difference Between Conventional and Jumbo Loans? | USAA – Wondering about the difference between a conventional mortgage and a jumbo one? Learn what sets them apart, other than their size.response to the HMDA data – Center for Responsible Lending – 2016's conventional mortgage loans. By contrast, 324,566 non-conventional mortgage loans were approved in 2016 for African-Americans and Hispanic Whites.The jumbo loan has terms much like that of a conventional loan; 30 Year, 25, 20, and 15. jumbo rates are currently about 4.5% for a 30 yr and 3.75% for a 15 yr. michael shea is a loan officer with.
There's a conforming limit for conventional home loans issued within the. Current Conforming Loan Limits. On November 27, 2018 the federal housing finance Agency (FHFA) raised the 2019 conforming loan limit on single family homes from $453,100 to $484,350 – an increase of $31,250 or 6.9%. That rate is the baseline limit for areas of the.
In August, the FBI raided the suburban Detroit home of UAW President Gary Jones as part of the. The Fed's move will reduce.
Therefore, the baseline maximum conforming loan limit in 2019 will increase by the same percentage. high-cost area limits. For areas in which 115 percent of the local median home value exceeds the baseline conforming loan limit, the maximum loan limit will be higher than the baseline loan limit.
Non-conforming home loans can help those with bad credit or unique circumstances. Get the house you deserve with a non-conforming loan from mortgage lender NASB.
Non-conforming loans are loans that aren't bought by Fannie Mae or Freddie Mac. Non-conforming loans break down into a few different categories. Government Loans. Government loans are backed by the federal government. When we speak of these loans, mortgage lenders are referring to those created by the FHA, USDA and VA.
Conforming Vs Non Conforming Mortgage Non-Conforming Loans. Borrowers who don't meet the requirements of a conforming loan often seek out non-conforming loans. One of the most common types of non-conforming loans is the jumbo loan.
Buying a home can be an exciting – and exhausting – adventure, especially if you're trying to untangle the different types of mortgage loans that may be available to you. One of the most fundamental concepts is knowing the differences between a few broad terms, such as conforming and non-conforming loans, and how they apply to conventional mortgages or those insured by government agencies.
Jumbo Fha Loan jumbo loan mortgage Fixed-rate Jumbo Loan Calculator – Mortgage Calculator – Jumbo mortgages are loans which back home purchases where the amount financed exceeds the conforming mortgage loan limit. Jumbo does not refer to the size of the house, but rather the amount of the loan.Lazerson's predictions: Mortgage rates, home prices and sales to go down in 2019 – The Mortgage Bankers Association is on hiatus. a 15-year conventional high-balance (same as FHA) at 4.125 percent, a 30-year conventional high-balance at 4.50 percent, a 15-year jumbo (over.
View the current conforming and FHA loan limits for all counties in Florida. Each Florida county conforming mortgage loan limit is displayed.
Highlighted features: 95 percent loan-to-value (LTV) ratio for loan amounts more than $417,000; no mortgage insurance is required. Backstory: A "nonconforming" loan is a term to describe a residential.
Washington State conforming loan limits are determined by the Federal Housing Finance Agency (FHFA). The Housing and Economic Recovery Act of 2008 (HERA) requires the FHFA to monitor and track average home prices in the U.S., and to annually adjust the baseline jumbo loan limit as needed to reflect changes in national home values.


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A Duke is Never Enough
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- Expected Feb 25, 2020
- $3.99
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- Expected Feb 25, 2020
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Publisher Description
From the USA Today bestselling author of The Untouchables series comes your next Regency obsession: The Spitfire Society...
Meet the smart, independent women who've decided they don't need Society's rules, their families' expectations, or, most importantly, a husband. But just because they don't need a man doesn't mean they might not want one...
Don't miss book two, A Duke is Never Enough! Find out if the Marquess of Ripley murdered his cousin and if Miss Phoebe Lennox can resist his dangerous charms. Will she be seduced or will she turn the tables on him?


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How to Wear Pins and Brooches to Easily Update Your Clothes
Pins and brooches are currently trending, and we'll give you the ultimate styling tips to wear them and update your clothes! ... Read More →
30 Photos of Lebanese Brides Wearing the Most Exquisite Wedding Veils You'll Ever See!
The wedding veil gives a dazzling finishing touch to your bridal look, and here are 30 photos of beautiful Lebanese brides to prove it! ... Read More →
Zuhair Murad Haute Couture Spring 2017: The Definition of Over-the-Top Glam!
You have to see Zuhair Murad's Haute Couture Spring 2017 collection, it's so glamorous! ... Read More →
Vintage Glamour Is Back with Elie Saab's Haute Couture Spring 2017 Collection
Elie Saab's Haute Couture Spring 2017 collection will take your breath away! Be the first to see it. ... Read More →
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See every amazing look from the beautiful Ralph & Russo Haute Couture Spring 2017 collection! ... Read More →
15 Whimsical Dresses You Must See from Dior's Haute Couture Spring 2017 Show
Discover 15 beautiful dresses from Dior's Haute Couture Spring 2017 fashion show. So whimsical! ... Read More →
12 Fashion Trends That Will be Big in 2017
This is your big fashion trends guide for 2017! Click here to know which trends are still in, and which new trends will take over. ... Read More →
20 Chic Hijab Looks for Women Who Like to Dress Up Every Day
Having trouble picking a new outfit for an outing? Then check out these 20 chic hijab looks for women who like to dress up every day! ... Read More →
All of Kinda Alloush's Beautiful Bridal Looks
Check out all of the beautiful bridal looks that Kinda Alloush wore at her two lavish weddings in Cairo, and Aswan! ... Read More →
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Hoodies feel so cozy, but they also can be so chic. Check out this street style guide to learn how to wear hoodies in a stylish way! ... Read More →
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To his many admirers in the art world, David Ligare is the definitive Monterey County painter. wCurators and dealers represent him as a painter deeply rooted in this place—which is true, but also ironic, because for the most part he is painting another world entirely.
Ligare, who has lived here since 1968, has his work hanging in the Museum of Modern Art in New York, in the DeYoung Museum in San Francisco, in the San Jose Museum of Art, and in galleries from LA to London and beyond. Many of his paintings contain uncanny depictions of terrain that is instantly familiar to any local—a piece of Big Sur shoreline with cypresses topping rock outcroppings, an azure sea stretching to the horizon; or the gold-green hills of Steinbeck's "Pastures of Heaven," the narrow Salinas River winding away. But in most of his work, this place is merely the stage on which an ancient drama is played.
A Ligare canvas will look like a majestic landscape, a man drinking from a spring under a live oak, or a still life lit by coastal afternoon sun. Yet these paintings are not mere landscapes or still lifes. Ligare is a painter of narratives and allegories. His work is an intellectual pursuit as much as an artistic one. Each is an essay, a metaphor, or an ancient story. Each is woven with strands of history, theory and myth.
To some local Ligare fans familiar with his landscapes (which were shown in a spectacular exhibit at the Steinbeck Center three years ago) or his earlier "thrown drapery" seascapes (there's a stunning example on permanent display in the Monterey Convention Center), the theoretical aspect of his work may be invisible. Bucking contemporary art trends, his paintings are all figurative, rather than abstract, and they are without exception pretty. As a result, to his apparent chagrin, Ligare's work is admired by art-lovers who find much contemporary painting too challenging.
"I think that's sweet and everything, but those are not the people I'm painting for," he says. "I like the idea of playing the tougher game, working with the trends of contemporary culture. Or I should say working against them."
Ligare calls himself a classicist. His paintings play by rules that, as he sees it, were first established in the 4th century BC by the Greek sculptor Polykleitos, and later codified in the 17th century by the French painter Poussin. He works from these roots toward a rigorous ideal: "the integration of diversity, reverence for nature, heightened perceptual and technical abilities, the radical pursuit of knowledge and the embracing of the full implications of humanist beauty."
He is concerned with depicting the balance of opposing forces; with symmetry, and with democracy, which had its inception in the historic period he loves.
As his artistic ideals come from ancient times, so do his subjects, and it is his project to make the classic stories tell contemporary tales.
"Hercules Protecting the Balance between Pleasure and Virtue," painted in 1993, depicts a tale told in the 4th centrury BC by Xenophon, in which the mythic hero is tempted by two women. The myth, as Ligare tells it, is intended "to remind the viewer to contemplate the excessive luxury, self-indulgence or unproductive ease of his or her own life in contrast to the more difficult course of responsible action and achievement."
In the painting, Ligare has updated the story to incorporate his own more contemporary ethics. To wit: In a prior illustration of Xenophon's story, painted by Albrecht Durer in the 15th century, Hercules clearly chooses the woman representing Virtue. In Ligare's version, the hero "must incorporate them both. He must protect the balance."
"Self-Portrait: In Homage to Petrarch," shows the artist as the 14th century Italian poet and scholar called "the father of humanism." Petrarch, whose radical pursuit of knowledge was deeply at odds with his times, was singularly responsible for recovering the lost works of ancient Greece and Rome. On its surface, Ligare's painting is an imaginative self-portrait set in a gorgeous landscape. To the artist, it's clearly a manifesto in paint.
Even the land itself is suffused with meaning for Ligare. His living room window, in Coral de Tierra high above Salinas, looks out from the foothills of Mount Toro south to Big Sur and north across the bay to Santa Cruz. In this landscape, Ligare sees into the past.
His luminous "Broad Landscape with a River," a view from a spot near his home, contains, for him, "an unobstructed view into the farthest distance, which might on a metaphorical level be equated with the perspective of history."
This is his home—the place where he is most comfortable. "I like the idea of time-traveling," he tells me, sitting on his couch, a cup of tea in his hand. "I like the idea of moving outside of our world."
~ ~ ~
In the living room of his modest, beautiful mountaintop home, David Ligare is surrounded by books. Philosophy, history, art criticism—Ligare could clearly have been happy as a professional intellectual, and he looks the part, in a fleece vest, scruffy goatee and round, green-rimmed glasses.
He is eloquent and provocative when talking about art and ideas; when talking about his own life, he seems less engaged.
David Ligare was 5 when he moved with his family to Los Angeles from Oak Park, Illinois. He took his formal art training at the Art Center College of Design, now in Pasadena. He dropped out, got drafted, spent two years working as an illustrator in the army, and started showing in New York. He moved to Big Sur when he was 23, and spent the next 10 years painting watercolors outdoors, in the plein air style, as well as landscapes in oil.
Somewhere in there, no doubt inspired by the conceptual artists of the day, he began experimenting. He made abstract sand-drawings that he then turned into prints or large drawings on canvas. He painted drapery in piles. He took a piece of white drapery to the beach, flung it into the air, photographed it against the sea, and painted the resulting image. That last experiment led to a breakthrough.
He saw in his thrown-drapery paintings something he defined as classical.
"They reminded me of pieces of marble sculpture that had had their heads and arms hacked off, and the only thing remaining was the drapery," he recalls. He gave the paintings the names of Greek islands. The ensuing show brought him a measure of critical acclaim, and also launched him on the path he remains on today.
"I had been dealing with classical themes indirectly, and I decided that it would be a more interesting project to deal with classicism directly, to produce more narrative paintings dealing with classical culture."
This impetus was further fueled by an article in an art magazine.
Telling me the story, he bolts out of the living room and returns with an old copy of ArtForum, the preeminent magazine of visual arts. He opens to an article by the painter and critic Sidney Tillim, an illustrated essay about the writer's own experiments with what he calls "narrative art."
The magazine itself—which today is a fat, glossy, expensive-looking testament to the successful marriage of art and commerce—was in 1978 nothing but a fancy pamphlet. In it, amid photographs of abstract sculptures, installations, and expressionistic multimedia assemblages, Tillim's simple paintings look almost ironic. Ligare points to one, "Count Zinzendorf Spared by the Indians," an apparently historical scene from the American West.
"It knocked my eyes out," Ligare says. That painting, and Tillim's accompanying text, turned Ligare on to narrative art.
It is clear, listening to Ligare, that he loved the fact that this stuff was so completely out of fashion.
"I knew that it was against the art law to be doing anything classical," he says. "And I thought: that's great. It's wrong, but it's interestingly wrong.
"Making art, for me, is a matter of solving problems. Problems that are too-recently solved are not as interesting as the ones that have been dormant for a while. Making paintings based in Greco-Roman mythology—that's not one of the art-making problems that is being solved much right now."
Last week, I showed a friend, who happens to be a university-trained artist, a catalogue from a Ligare show. Together we looked at the image of a landscape reproduced inside. "It almost looks like a painting," she said, and caught herself, "I mean, I know it's a painting, but…"
She was exactly right.
Some people will say, looking at a realist work, that it looks like a photograph. Ligare's, though impeccably rendered, do not look like photographs. But it might be said that a Ligare looks like a photograph that looks like a painting.
His landscapes, for instance, are not anything that can be photographed. They are not a fantasyland—but they are idealized. They are not real, and they are not drawn from the artist's imagination—they are created through a rigorous process of invention.
Once upon a time, the style we call classical was quite modern, and was a revolutionary break from what came before. The classical Greek era, for example, followed the Byzantine—a period when paintings were so highly stylized that a work from that time might pass as a mid-period Picasso.
Classicism, for Ligare, is marked by what he calls "naturalism." You and I might say that a classical artwork looks "real." For Ligare, a classical artwork reveals the order embedded in real-life things.
Tacked on a wall in his studio, Ligare has a photograph of "The Spearbearer" by the Greek scuptor Polykleitos. The statue, among the first works of classical realism, looks like a man, in much the same way that a Ligare painting can look like Toro Park. But if the piece appears almost organic, the process that created it was decidedly not.
According to legend, "The Spearbearer" was accompanied by a treatise laying out the artist's complex theory of symmetry (the text is lost to history). The statue began, it seems, as an idea.
"It's practically a work of conceptual art," Ligare says.
Poussin, another touchstone, went one step further—concocting a theory of beauty and proportion based on ancient Greek modes, and devising a set of geometric formulas. A Poussin canvas begins as a set of pencil lines breaking the rectangle into a kind of grid. And so does a Ligare.
"I try and create a structure that has some significance to the subject itself," he explains. So the "Hercules" painting, with its three figures, involved "a geometric formula around the number three."
And does he believe that the shapes and numbers themselves also have some emotional significance?
"I'll leave that to the expressionists," he says wryly.
~ ~ ~
One wall of Ligare's studio is made of windows. On another wall hangs a five-by-six-foot portrait in profile. Three easels hold still lifes in various stages of completion. He explains that he likes to have more than one painting going at a time, so he can work on one while paint dries on another. "There isn't much down time," he says.
Ligare makes lists, on a yellow legal pad, in all-caps lettering. He shows me one. Item three: "Look up Psalm 115." It's the one that warns against making graven images.
Ligare may see connections between the original "iconoclasts," who traveled Christendom smashing "icons" in churches, and critics—ancient and contemporary—who disdain figurative art.
Plato, he points out, scorned what he called "mimesis"—artworks that tried to imitate nature.
"Plato would not have liked realism," Ligare says, almost sadly. "But that is something Plato was just wrong about."
In many quarters, the specifics of Ligare's project are scorned (likely for different reasons). "Heightened technical abilities," "reverence for nature" (or anything), even "beauty"—this stuff is often considered passé or worse.
But the bigger part of his idea, that painting can be informed by philosophy, is still the purvue of "high art." Perhaps that is why Ligare has trouble allying himself with the "Neo-Classical" artists who condemn postmodernism (and even modernism) in favor of a conservative return to the old values.
Ligare seems to identify more with modernist-realists like Chuck Close or Gerhardt Richter, rather than the New Classicists, with whom he is often exhibited.
"There's plenty of room in the world for abstraction, conceptual art, minimalism, and classicism," he says. "It isn't an either-or thing."
Still, he can be easily coaxed into defending his oeuvre against "people who have a lot invested in contemporary art, and what they think it should be."
As with much in Ligare's world, there is paradox here. He rails (gently) against "art schools cranking out 10th- and 20th-generation neo-Duchampian artists—which is not really true to what Duchamp was about." And somehow, his classicism is (once again) revolutionary.
~ ~ ~
There is one group of artists with whom Ligare feels comfortable—a group of Italians who call themselves "Anachroniste." And so he happily admits to being an anachronism (literally: "out of the times").
But deeper still, in his work, are the values that are at once old and progressive.
"Still Life With Grape Juice and Sandwiches (Xenia)" is a typical Ligare still life—the first in a series that follows a similar pattern—set on something that could be an altar, posed against the sea and sky.
Looking at it, knowing already that it was an allegorical painting, I saw something the artist might not have intended. I missed the bologna between the slices and saw only a stack of bread. The pitcher threw me, but still the grape juice might have been wine. I saw an image of communion.
~ ~ ~
That may be an interesting reading of a simple still life, but the artist's version of the painting's meaning is considerably more intriguing.
Ligare volunteers at Dorothy's Kitchen—a Catholic mission that feeds and houses homeless people in Salinas. The two elements of the still life—grape juice and bologna sandwiches—were for a time a staple served for lunch to the destitute guests at Dorothy's Kitchen.
Ligare explains that the first still-life paintings were what the Greeks called "Xenia," meaning a food gift for a stranger. And so, for Ligare, his painting is an homage to the notion of hospitality. That idea has its own layers of meaning, but the painting has another, and that has to do with the art-world staple: the still life itself. It is a personal statement, and a political or moral one, and an art-historial one. It is a painting out to communicate meaning on many levels—even if the average viewer who encounters it at the De Young doesn't parse all of this from what lies within the painting's frame.
Michel Foucault—the notorious postmodern theorist—addresses this problem in an essay that Ligare the classicist would probably find fascinating. Looking at a painting called "Las Meninas," by the 17th century master Diego Velasquez, Foucault sees an artist's view of the world, as well as a commentary on what it means to look at the world.
The ostensible subject of Velasquez's painting are the little ladies of the court, as well as their royal parents. But the painter has included himself in the frame, in a mirror on a back wall. To Foucault, this painting is therefore "about" painting—it is also "about" seeing and knowing. Was that Velasquez's intention? It doesn't matter.
Clearly, there is overlap between my interpretation of the "Sandwiches" painting and Ligare's intention. Perhaps it's accidental that his comment on Catholic charity became for me a sacrament. The painting contains more than beauty, and more meanings than he put there.
And whether or not all of his fans find in Ligare's work the worlds he has put inside them, those worlds are there.


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Server Leftovers
Knative at 1: New Changes, New Opportunities
This summer marked the one-year anniversary of Knative, an open-source project that provides the fundamental building blocks for serverless workloads in Kubernetes. In its relatively short life (so far), Knative is already delivering on its promise to boost organizations' ability to leverage serverless and FaaS (functions as a service).
Knative isn't the only serverless offering for Kubernetes, but it has become a de-facto standard because it arguably has a richer set of features and can be integrated more smoothly than the competition. And the Knative project continues to evolve to address businesses' changing needs. In the last year alone, the platform has seen many improvements, giving organizations looking to expand their use of Kubernetes through serverless new choices, new considerations and new opportunities.
Redis Labs Leverages Kubernetes to Automate Database Recovery
Redis Labs today announced it has enhanced the Operator software for deploying its database on Kubernetes clusters to include an automatic cluster recovery that enables customers to manage a stateful service as if it were stateless.
Announced at Redis Day, the latest version of Kubernetes Operator for Redis Enterprise makes it possible to spin up a new instance of a Redis database in minutes.
Howard Ting, chief marketing officer for Redis Labs, says as Kubernetes has continued to gain traction, it became apparent that IT organizations need tools to provision Redis Enterprise for Kubernetes clusters. That requirement led Redis Labs to embrace Operator software for Kubernetes developed by CoreOS, which has since been acquired by Red Hat. IT teams can either opt to recover databases manually using Kubernetes Operator or configure the tool to recover databases automatically anytime a database goes offline. In either case, he says, all datasets are loaded and balanced across the cluster without any need for manual workflows.
Dare to Transform IT with SUSE Global Services
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7 free GIMP scripts and plug-ins for filters, brushes, textures and more
The free and open source photo-editing program called GIMP (GNU Image Manipulation Program) is a nice alternative to the subscription-based or boxed versions of its competition (including PhotoShop). Whether you're a beginner with GIMP or a seasoned pro, there's lots to love. Some of GIMP's greatest assets are the plugins and scripts created by numerous independent programmers. At one time, there was a massive collection called the GIMP Plugin Registry, but that resource is no longer available. Consequently, you must search the Internet for GIMP plug-ins and scripts. To start you on the right track, we've selected our favorite plugins and scripts for you to try, with a brief description of each, and a link to the resource location. First; however, we should explain the complicated process of how to install these treasures and where to find them on the GIMP menus.
Android Leftovers
Get started with Lumina for your Linux desktop
For a good number of years, there was a desktop operating system (OS) based on FreeBSD called PC-BSD. It was intended as an OS for general use, which was noteworthy because BSD development mostly focuses on servers. For most of its life, PC-BSD shipped with the KDE desktop by default, but the more KDE came to depend on Linux-specific technology, the more PC-BSD migrated away from it. PC-BSD became Trident, and its default desktop is Lumina, a collection of widgets written to use the same Qt toolkit that KDE is based upon, running on the Fluxbox window manager. You may find the Lumina desktop in your Linux distribution's software repository or in BSD's ports tree. If you install Lumina and you're already running another desktop, you may find yourself with redundant applications (two PDF readers, two file managers, and so on) because Lumina includes a few integrated applications. If you just want to try the Lumina desktop, you can install a Lumina-based BSD distribution in a virtual machine, such as GNOME Boxes.
Android Leftovers