text:
|Display diagonal:
|79 cm (31.1 )
|Display brightness:
|350 cd/m²
|Display resolution:
|4096 x 2160 pixels
|Response time:
|9 ms
|HD type:
|4K Ultra HD
|Display technology:
|Supported graphics resolutions:
|1600 x 1200 (UXGA),1920 x 1200 (WUXGA),2560 x 1440,3840 x 2160,4096 x 2160
|Contrast ratio (typical):
|Viewing angle, horizontal:
|Viewing angle, vertical:
|Display number of colours:
|1.073 billion colours
|Aspect ratio:
|Display diagonal (metric):
|79 cm
|Pixel pitch:
|0.1704 x 0.1704 mm
|Viewable size, horizontal:
|69.8 cm
|Viewable size, vertical:
|36.8 cm
|Digital horizontal frequency:
|14.5 - 137.5 kHz
|Digital vertical frequency:
|22.5 - 71.5 Hz
|Supported video modes:
|Colour gamut:
|Pixel density:
|149 ppi
|Built-in camera:
|TV tuner integrated:
|Colour of product:
|Feet colour:
|AMD FreeSync:
|Card reader integrated:
|Thin Client
|Thin client installed:
|Ethernet LAN:
|Ports & interfaces
|Built-in USB hub:
|DVI port:
|HDMI ports quantity:
|USB hub version:
|USB 3.0 (3.1 Gen 1)
|USB Type-A downstream ports quantity:
|DisplayPorts quantity:
|Cable lock slot:
|VESA mounting:
|Height adjustment:
|VESA mounting interfaces:
|100 x 100 mm
|Swivel angle range:
|-172 - 172°
|Tilt adjustment:
|Tilt angle range:
|-5 - 35°
|Height adjustment:
|14.9 cm
|On Screen Display (OSD):
|Number of OSD languages:
|On Screen Display (OSD) languages:
|Simplified Chinese, Traditional Chinese, German, English, Spanish, French, Italian, Japanese, Swedish
|Power consumption (standby):
|Power consumption (typical):
|Annual energy consumption:
|76 kWh
|Energy efficiency class:
|AC input voltage:
|100 - 240
|AC input frequency:
|Power consumption (max):
|Power consumption (PowerSave):
|Power management:
|Operational conditions
|Operating temperature (T-T):
|Operating relative humidity (H-H):
|20 - 80%
|CB, CE, TUV/GS, cTUVus, FCC-B, ICES-003-B, VCCI-B, TUV, RCM, GOST-R, WEEE, CUDO
|Compliance industry standards:
|Weight & dimensions
|735 mm
|65.5 mm
|423 mm
|8.3 kg
|Width (with stand):
|735 mm
|Depth (with stand):
|245 mm
|Height (with stand):
|583 mm
|Weight with stand:
|12.2 kg
|Packaging content
|Cables included:
|Bundled software:
|ColorNavigator NX
ColorNavigator 6
Customer reviews:Write evaluation
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Welcome to OCTO24.com, online service platform of the OCTO IT AG.
At the OCTO IT AG, your PC manufacturer from the Black Forest, you will find computers best suited to fulfill your requirements. In addition to our application sorted range of PCs, we are glad to assist you with individual counseling in order to define a PC configuration meeting your criteria and pricing expectations.
In addition, to our own Piranha Computer brand, OCTO24 offers an intuitive and innovative online PC Configurator interface, which is constantly evolving to simplify the complexity of understanding modern hardware features, which helps our customers to define flawless configurations regardless of their IT experience.
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Our experienced sales staff is at your disposal for personal counselling.
Talk to us directly in the online live chat, by phone or by mail, and let's assemble your computer together or advise you on our other articles.
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Buying a PC is a matter of trust: that's why we are proud of our excellent customer reviews as seen on idealo, Trusted Shops and eBay.
In order to test your new system in detail, we grant you a 30-day right of return for our Piranha complete PCs.
In addition, you get a genuine two-year warranty on the systems - and not just a stripped-down warranty following expiration of the statutory warranty period. Optionally, this warranty can be extended to up to 3 years, pick-up-and-return inclusive.
In order to guarantee the highest quality for customers, our experienced specialists construct individual PCs and server systems in accordance with the ISO 9001 standard.
Custom PC Configurator by Piranha Computer
Experience the intuitive Piranha PC configurator.
Empowering our customers to configure a PC according to their specifications, individually and without errors, even with minimal PC knowledge.
Designing a gaming-, workstation- or solid office PCs are a child's play using the configurator.
You can't go wrong, as compatibilities of the individual hardware components are processed and filtered on the fly for you, so that only compatable selections are displayed.
True to the motto – "Build your own PC!"
OCTO-IT - The Black Forest PC manufacturer - offers with its own Piranha brand, with its unequivocal and unique cross-platform user interface, easily and clearly accessible, assembling your high tech product on the go over mobile phone or PC.
You would like to build your new PC yourself but don't want to forego the security of a complete functional guarantee? You can benefit from our service and know-how. Clean wiring and professional assembly is guaranteed. In addition, all PC systems are tested for stability and functionality before shipment.
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Plug & Play!
Professional workstation PCs
For creative minds out there , Piranha Computer offers optimal Workstations for specialized application environments, supporting your workflow with high performance.
Benefit from our over 20 years of IT experience and let us advise you individually for your applications requirements. If you are looking for a specific software that should be optimally accelerated, we'll build a suitable workstation for you according to the "optimal hardware requirements" of your softwares manufacturer.
2D- and 3D artists, CAD engineers and video / film editors with 4K resolutions and beyond, you'll find the right tools for your work with us.
Performant, reliable and quiet!
Optimal performance for CAD, 3D, video and 2D editing
Software manufacturers deliver optimal or recommended hardware requirements for their own applications.
If you already know exactly what hardware you would like to have in the new workstation system, then either use preconfigured PC systems and adapt them as needed, or start from scratch and design your own workstation using the innovative configurator.
You can use a single graphics card or more, using a so-called SLI systems, as well as one or more CPUs. For these setups we offer workstation motherboards such as those from the renowned manufacturer Supermicro.
Let us advise you rapidly and without obligation from our technical staff, which PC is best for your job or field of applications.Just name software and you'll get a configuration that optimally suits your budget.
Affordable Nvidia PNY QUADRO graphics cards
Whether in professional Piranha workstations or individually, you can benefit from the low prices of the Nvidia QUADRO GPUs on OCTO24.
Specially designed and largely certified for applications such as MCAD, visualization, animation and simulations. These include necessary technologies and functions such as AA Lines, HDR support and various additional options and for certain applications preconfigured profiles for the Nvidia Control Panel settings.
The topic VR - Virtual Reality is becoming increasingly important. Developer tools with VR modes are optimally supported by Quadro architecture. As a PC manufacturer and online retailer from Baden-Württemberg seen on various price search engines, OCTO24 offers you competitive prices and the necessary expertise to offer you customized workstations or QUADRO graphics cards.
Watch your creativity and motivation soar with accelerated rendering. Be in video editing or complex CAD projects in 4k+ resolution, you can do everything fluently in real time, without intermediate exports or view, evaluate and directly modify renders directly.
Save time and money using optimized and professional hardware!
Buy original-brand toner at a lowest prices
Since 2012, OCTO24 offers original toner and printer cartridges at unbeatable low prices. No Refill-Ware or compatible cartridges!
Printer ink and toner powder are amongst the most costly substances in the world. Compatible printer cartridges and toner may offer potential savings, but depending on the manufacturer or printer series, these can also cause issues or be empty quickly.
Profit from our low prices and trust in the quality and service of OCTO24, just like our many customers already have.
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Characteristic of OCTO IT and OCTO24.com is the fast response-, offer processing and rapid shipment of your goods.
For daily orders entered up to 15:30, your wares are usually delivered the next business day.
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Sustainable packaging philosophy
Each article already offers an original packaging. But that does not mean that it can be easily used as shipping packaging.
Thus, it is now common practice to place orders in a neutral box and prepare for shipping.
Due to our sustainable thinking and cost-efficiency, your small to medium sized order will be filled in an unwanted foreign packaging (packaging of another article).
This protects the environment and you benefit from particularly favorable shipping costs.
THE LEITWERK group with specialized companies
OCTO IT is part of the LEITWERK Group.Benefit from the know-how of the entire group of companies and learn what 360° IT means for you and your company.
As a leading partner of the regional economy in Baden and Alsace for comprehensive IT and communication solutions since 1992, the LEITWERK Group has grown with industry know-how, a solid portfolio and dependable and competent employees.
At the headquarters in Appenweier as well as other sites in Freiburg, Achern, Karlsruhe, Strasbourg, Mannheim and Potsdam, over 360 employees serve medium-sized companies as well as large international corporations, public institutions, NGOs and freelancers.
If you already use services or products of the LEITWERK Group, the synergy to our other content companies is not far away. Leverage expertise from various areas of IT - such as document management, business strategy, marketing and IT infrastructure, servers, PCs and hardware!
For you, that translates to a high level of security and interdependent skills - when it matters.
Product 17 of 42 in this category


text:
Unemployment for Black women at 4-year low
Freddie Allen | 11/11/2013, 8:59 a.m.
WASHINGTON (NNPA) – As job prospects for Whites and Black men have slowed or stalled completely, Black women continue to gain ground in a weak labor market, according to the latest jobs report.
"Over the last few months, Black women have seen the greatest decline in their unemployment rate, so there is a continual improvement taking place," said Valerie R. Wilson, chief economist for the National Urban League. That improvement doesn't seem to be the result of people dropping out of the labor force.
"It looks like there were actual gains in employment for Black women," she continued.
In fact, compared to the other adult groups over 20 years old, Black women have experienced the greatest decline in their unemployment rate since September 2012.
The unemployment rate for Black women over 20 years old was 10 percent in September 2013, a 1.2 percent decrease since September 2012 and the lowest mark for Black women since March 2009.
The unemployment rate for White women was 5.5 percent in September 2013, a 0.8 percent improvement over the 6.3 percent rate recorded in September 2012. The jobless rate for White men was 6.1 percent in September 2013, down slightly from 6.6 percent in September 2012. The unemployment rate for Black men over 20 years old has barely changed since last year when it was 14.1 percent. A year later the unemployment rate for Black men is 14 percent.
Even as some economists such as Wilson recognize the September unemployment rate for Black women was the lowest mark in more than four years, they acknowledged that those gains came at a price; many of the jobs available to Black women were in industries that traditionally pay low wages.
Wilson said that a lot of the job growth has been in the leisure and hospitality sector and professional and business services.
According to the Labor Department, leisure and hospitality services added an average of 28,000 jobs per month over the previous 12 months, but the sector was relatively flat in September. The professional and business services sector added 52,000 jobs in the past 12 months and 32,000 jobs in September. Twenty thousand workers found jobs in temporary help services in September.
"When you look at the kinds of jobs that are being created, those gains are not necessarily in high-paying jobs," Wilson said. "Uncertainty in the housing market has made it harder for Black men to find work, because the manufacturing and construction industries haven't rebounded in the same ways that retail or hospitality have. That's one of the reasons why the African American male unemployment rate is so high."
The economy added 148,000 jobs total in September and the national unemployment rate edged down to 7.2 percent in September.
Wilson said that as the unemployment rate ticks down, it masks some of the other weaknesses that exist in the labor force, including the "missing worker" phenomenon and those workers wading through long-term unemployment.
According to the Economic Policy Institute, a non-partisan think tank focused on the needs of low- and middle-income workers, the unemployment rate "continues to drastically understate the weakness of job opportunities" because people who were turned off by an anemic job market and stopped looking for work entirely are not being counted.

subset: commoncrawl


text:
The Online Pump Magazine
Pump H-Q Curve
The pumping performance of a centrifugal pump is expressed in the form of an H-Q curve, depicting the Flow Q (e.g. in m³/h) and the Head H (e.g. in m) of the pump.
The graph of the curve is shown dropping from top left to bottom right with increasing rate of flow. The slope of the curve is determined by the pump construction and particularly by the design of the impeller.
Though it is the frictional resistance of the installed pipe system which determines a given pump capacity, the respective pump can take up only one duty point on its curve. This duty point is the intersection of pump H-Q curve with the system H-Q curve.
|[ Home ] [ Pump Magazine ] [ Virtual exhibition ] [ Encyclopedia ] [ PumpSelector ] [ Impressum ]


text:
This movement tray is 2 layers of 3mm MDF. This tray holds holds 5, 40mm round bases. The spacing allows for models that overhang their bases and is configured so that multiple trays can be used to form a line or a other shapes more representing a mob. The spaces for the bases are slightly larger than 40mm to allow for any extra paint or material which may be on your model's bases.
These trays come with 5, rare earth magnets that can be glued into the holes. When you glue these magnets into the tray, make sure to match the polarity of the magnet in the base of your model. We suggest using thin super glue to attach magnets.
We use a high quality MDF which will not warp with normal use and can be painted, primed and finished the same way you have based your models.


text:
German specialist foundry, mining machinery and gearbox supplier Eickhoff has been making gearboxes for wind turbines since 1990. The company's current product portfolio comprises conventional high-speed, three-stage wind-turbine gearboxes in the 2.0-3.4MW volume product class, but larger 3.5-3.8MW class gearboxes form a rapidly growing second segment.
Globally, Eickhoff employs around 1,800 employees, including 300 staff spread over eight international subsidiaries, such as wind turbine gearbox repair facilities in the US. Besides repair and reconditioning, Eickhoff conducts upgrades of competitor gearboxes, which Thomas Nahrath, product manager for wind turbine gearboxes, says is enabled by a combination of strong in-house engineering know-how and a modern materials analysis laboratory. The laboratory is also used for analysing all raw materials inflow.
Gear manufacturing
The raw materials for gears and shafts are brought in from external suppliers, shaped as solid steel bars, large rings or otherwise. These materials are then processed into the various components. The actual gear cutting is an almost fully automated high-precision activity. Like all specialist gear suppliers, Eickhoff applies a blend of semi-standard gear profiles and know-how focused on ensuring optimised load transfer and lubrication performance, quieter running and enhanced lifetime. Nahrath says: "Our gearboxes are the quietest in the market, which is enabled by a decade of in-house experience, comprehensive gears and gearbox R&D, an integrated design approach, and continuous product manufacturing quality main focus. A good example is our gear-tooth surface treatment called vibratory finishing. This final gear manufacturing process step offers smoother running, and improves lubrication performance while offering elongated operating lifetime."
Inside a prototype assembly and testing hall Nahrath shows off helical gear with very smooth gear-tooth surfaces in several different colours. He explains that this colour pattern is part of prototype test runs aimed at gaining better insight into gear contact-area meshing and surface contact patterns.
Strain gauges
Another helical gear has multiple strain gauges fitted equally spaced all along the base of a gear tooth, this time aimed at determining loads and load distribution during rotation when meshing teeth continuously engage and disengage.
In a separate prototype set-up, strain gauges are attached to a big 3MW-plus cast planet wheel carrier for measuring stiffness characteristics under load. These measurements are evaluated in relation to results from product design simulation.
For its gearbox testing, Eickhoff currently has one 5MW test bench at its headquarters in Bochum, where operating temperatures down to minus 40 degrees Celsius can be simulated, plus a 4MW and a 3MW unit for serial testing of up to 2.5MW-size gearboxes. A fourth 4MW test bench is located in Klipphausen, and all units enable highly accelerated life testing (HALT), whereby a full 20-year lifetime is compressed into just a few months.
Volume-class gearboxes with a power rating of up to 2MW typically comprise one planetary low-speed stage and two helical or parallel stages. From 2MW upward, but depending on rotor diameter, a measure for maximum torque loads, Eickhoff switches to gearboxes with two planetary stages and one high-speed parallel gear stage. In this drive technology strategy, the company is like most of its competitors. Planetary stages are known as compact gear systems for transmitting high torque loads, but also characterised by a more complex manufacturing process.
Installed base
Eickhoff's 2011 global market share for wind-turbine gearboxes was 4.1%, and its two main megawatt-class gearbox clients are German turbine makers Nordex and Repower. Other gearbox clients include US turbine giant GE, Germany's Fuhrländer and project developer and wind turbine manufacturer ENO. Its current global installed base is around 10GW.
Larger 3MW-plus class high-speed gearboxes have already been supplied for several years as series products to Repower for their 3.XM-series, now comprising 3.0MW, 3.2MW, and 3.4MW sister model versions. Eickhoff has also been selected to supply gearboxes for the new Nordex Delta series and 3MW-plus gearboxes are being developed for ENO.
Regarding the next envisaged product development, Nahrath says Eickhoff is able to develop and manufacture 6-7MW class gearboxes. He adds that semi-integrated medium-speed geared drive trains are also being investigated, an ambitious development the company would prefer to tackle in close cooperation with a dedicated generator specialist.
"Gearbox design is always a close cooperation between turbine OEM and the gearbox supplier. OEMs usually deliver the main product specifications and a conceptual design, which our engineer team further develops into a final product design," Nahrath says. "It also happens that gearbox development advancement points to a need for main chassis design changes. This underlines the great value attached to regular exchange of ideas and continuous evaluation of progress for achieving technically and economically optimised end products. Increasingly, turbine and gearbox development starts to match industrial automotive design practice."
Eickhoff is also one of the largest highly specialised foundries in Germany today. The foundry currently has an annual production capacity of 13,000 tonnes, with plans to boost this to 20,000 tonnes in the next few years. The wide range of cast-iron and cast-steel products churned out are both for internal use in Eickhoff turbine-gearbox components and for use by third parties. About 10% of annual output, in terms of mass, is grey cast iron, 15% cast steel, and the remaining 75% is capacity spherical cast iron also known as nodular or ductile cast iron. The biggest castings produced weigh up to 18 tonnes. The foundry comprises four furnaces with a five-tonne capacity each and one much smaller unit of 1.5 tonnes.
Apart from their distinct smell, foundries are characterised by hot moulds with yellow flames climbing out, the grey-coloured rough finished castings, and piles of used casting sand. Eickhoff's foundry operates in a three-shift, seven-day schedule during busy periods. Nahrath says having its own foundry makes Eickhoff uniquely placed among leading wind-turbine gearbox suppliers. "In-house castings production not only adds to our supply-chain independence, but also offers us a key opportunity to cooperate and exchange vital design ideas and other information already at very early stages in design," he says. "That, in turn, reduces time to market, while simultaneously enhancing product optimisation and industrialisation with the highest possible overall efficiency."
Foundry products
Grey cast iron has been used since the late 1700s for structural applications, and is characterised by a graphitic microstructure, which causes fractures of the material to have a grey appearance. It is the most commonly used cast iron, but has less tensile strength and shock resistance than steel. It does, however, score well for compressive strength properties. This material is widely used for wind turbine gearbox housings, hatches and covers.
Spherical cast iron is a more recent development and a main characteristic is that tiny quantities of magnesium added to these alloys allows the carbon to separate as spheroidal particles as the material solidifies. This different carbon shape and distribution provides superior mechanical properties compared to grey cast iron. This makes it well suited for many different heavy-duty applications in industry, such as gearbox planet carriers in wind turbines as well as torque arms and complex highly stressed hydraulics components.
A third category of heavy-duty product is made in cast steel, by far the most difficult of the three to process because it has less favourable fluidity and castability characteristics compared to cast iron.


text:
The following people were arrested on felony charges by law enforcement agencies in Davidson County, and, unless noted otherwise, were either placed in the Davidson County Detention Center or released from custody and are scheduled to appear in Lexington District Court on the date given:
• Tony Mitchell Martin, 30, of 307 Bruce St., was charged with felony maintaining a vehicle/dwelling/place for controlled substance, felony possession of a schedule I controlled substance, possession of drug paraphernalia and felony possession of a firearm by a felon, $25,000 secured bond, May 28.
• Brett Michael Stowe, 30, of 9 Sedge Lane, Thomasville, was charged with felony larceny and felony obtaining property by false pretense, $3,500 secured bond, Monday.
• Erica Nicole Anderson, 28, of 307 Bruce St., was charged with two counts of felony possession with intent to manufacture, sell and deliver a schedule II controlled substance, two counts of felony trafficking opium or heroin, resisting public officer and felony maintaining a vehicle/dwelling/place for controlled substance, $25,000 secured bond, May 28.
The following larcenies more than $1,000 were reported to the Davidson County Sheriff's Office and the Lexington Police Department:
• Three chain saws, two pressure washers, two drills, handsaw, tool box with tools and welder valued at $2,855 were reported stolen from a home on Fritts Road between 2 and 10:42 a.m. Wednesday.


text:
I am an Australian tourist who was recently visiting Las Vegas, over Memorial Day Weekend on the night of Friday night/Early Saturday Morning (25/05/2013) I was with a girl & we were questioned by police.
The 2 Police officers whom were very friendly emptied the contents of her handbag & they found a credit card which didn't belong to her, The police asked me to check that all my cards were on me (which they were not) but they did not locate them on this girl.
One of the Police Officers then organised a taxi for me (in which he drove me in the police car to meet the taxi somewhere) to head back to the strip & I cancelled my credit cards the very next day.(there was some fraudulent activity partaken on the cards) I've tried calling the Taxi companies to see if i left my phone in the cab but unfortunately i've not had any luck.
I am writing to you on the chance that I may have left my mobile phone in the cop car or if it was recovered from the woman they questioned? Sorry I can't provide you with any information such as officers names, badge numbers, location or police car number as I was very drunk. I do believe this incident happened on the Southside of town because when I was going back to my hotel of Planet Hollywood I remember seeing the Luxor off to the right hand side of the Freeway.
My phone is
Black Iphone 5 (with a green case and a transparent backing)
It has a wallpaper of the Oakland Raiders logo close up (the eyepatch)
The passcode is *****
& serial number is *********
A description of myself
approx 6 foot
Brown Eyes, Brown Hair
Slim build
Name: PAWNO (police officer would of taken down my passport details)
Obviously the chances of located are very slim as I believe I could of also been pick pocketed on the strip earlier that night but I still thought I'd write & check.
Thanks for any time you may spend investigating my query.
PS: If this email is not sufficient for checking lost & found I am happy to call (if you could please provide a phone number) it's just international dialling abroad can be rather expensive
Random Babble
Here you can chat about anything that's not Warriors related.
Moderators: Mr. Crackerz, JREED, Guybrush, 32
Rest In Peace Phillip Seymour Hoffman.
Another tragic loss. Looked to have quite the stellar carear ahead of him. He was always popping up in Best Actor or Best Supporting Actor nominations at the Academy Award (& winning his fairshare too)
hate to speculate but i imagine drugs had a role in his death.
Another tragic loss. Looked to have quite the stellar carear ahead of him. He was always popping up in Best Actor or Best Supporting Actor nominations at the Academy Award (& winning his fairshare too)
hate to speculate but i imagine drugs had a role in his death.


text:
Site Map
Accident, Sickness and Unemployment Insurance (ASU): In the event of an accident, sickness or involuntary unemployment befalling a borrower, this insurance is designed to cover their mortgage repayments. Some Lenders attach mandatory insurance cover to their most attractive rates, although this is increasingly uncommon. Also known as: Mortgage Payment Protection Insurance (MPPI).
Additional Security Fee: See Higher Lending Charge.
Adverse Credit: This is an umbrella term used of applicants with poor credit history. This may include mortgage arrears, defaults, County Court Judgments (CCJs), bankruptcy, Individual Voluntary Agreements (IVAs) and house repossession. Borrowers with elements of adverse credit are offered higher rates than standard Full Status applicants are, usually with terms and conditions relating to the extent of their adverse credit history. Often, adverse credit mortgages are Libor-linked rates.
Annual Percentage Rate (APR): The APR is a rate calculated using a generic formula applicable to all Lenders, which includes all the costs associated with a mortgage. This allows for easy comparisons to be made between the different mortgage products offered by each Lender.
Arrangement fee: This fee may be charged on specific products and is either payable in advance, added to the loan or deducted from the advance on completion. It covers the administrative expenses incurred whilst processing an application by the Lender.
Base Rate: Every month the Monetary Policy Committee sets the Bank of England Base Rate, to which all mortgage rates are linked either directly, as Tracker mortgages, or indirectly, in all other cases.
Booking fee: This fee may be charged on specific products and is either payable in advance, added to the loan or deducted from the advance on completion. It is normally payable in order to reserve funds when a product is likely to sell out quickly.
Buildings and Contents Insurance: This insurance is designed to cover damage to the mortgaged property and/or its contents in a variety of specified scenarios. Most Lenders insist on at least Buildings Insurance being taken out. If the Lender's own insurance is not taken they will often charge an administration fee. Some Lenders attach mandatory insurance cover to their most attractive rates, although this is increasingly uncommon. It is usual to place buildings insurance on risk from exchange of contracts.
Buy-to-Let mortgage (BTL): This is a mortgage for property that will be let by the borrower to other tenants. When Lenders calculate how large a loan the borrower can afford to repay on BTL they do so primarily on the basis of projected rental income, rather than salary income multiples. BTL loans are not regulated by the Financial Conduct Authority.
Capital and Interest mortgages: With this method the monthly mortgage repayments pay off both the initial loan amount and the interest that is charged upon it. At the end of the loan term the entire debt will be repaid in full provided that the repayments to the Lender have been made in full and on time. Also known as: Repayment mortgage.
Capital Rest Period: This is the regularity with which a Lender calculates the outstanding balance on mortgages, and hence the size of monthly repayments. It is usually annually, monthly or daily. With Capital and Interest mortgages this can be important; an annual interest calculation means that the borrower will pay interest on capital repayments that have been made in the course of that year. In contrast a daily or monthly interest calculation means that the balance, and consequently the interest charged, will reduce with every capital repayment made.
Capped rate mortgage: This is a mortgage that is guaranteed not to rise above a specific rate (the 'cap') within a set period. Unless this is combined with another rate, such as a Discount or Tracker, the Lender's SVR will be charged if it is lower than the capped rate; if it rises above this ceiling the rate charged will remain at the capped level. There are often early repayment charges applicable if the loan is repaid within the capped period. At the end of the set period the rate will return to the Lenders SVR which may mean higher payments.
Cashback mortgage: This is a mortgage in which the Lender refunds a sum of money, either as a percentage of the loan or a flat figure, to the borrower upon completion. With this type of offer the borrower will typically be tied to the Lender's SVR by early repayment charges necessitating repayment of the cashback if the loan is repaid within a set period.
Completion: This is the moment when a transfer of property has legally taken place, after all legal documentation has been completed and funds have been transferred from the buyer's solicitor to the seller's solicitor.
Contents Insurance: See Buildings and Contents Insurance.
Conveyancing: This is the legal process whereby ownership of a property is transferred. Your Legal Adviser will usually undertake various searches and make charges for this.
Critical Illness Cover (CIC): A form of life assurance that usually pays out a lump sum upon diagnosis of a serious illness. The lump sum can be set at a level to repay the mortgage.
Current Account mortgage: This is a fully Flexible mortgage combined with a current account. Money in the current account is automatically set against the mortgage balance and interest is only charged on the outstanding amount, meaning interest payments are reduced. This type of product is usually for the more financially astute client.
Discounted rate mortgage: This is a variable mortgage that is discounted from a Lender's SVR by a set percentage within a set period. There are often early repayment charges applicable if the loan is repaid within the discounted period. At the end of the set period the rate will return to the Lenders SVR which may mean higher payments.
Discounted Tracker rate mortgage: This is a variable mortgage that is discounted from the Bank of England's Base Rate by a set percentage within a set period. There are often early repayment charges applicable if the loan is repaid within the discounted period. At the end of the set period the rate will return to the Lenders SVR which may mean higher payments.
Early Repayment Charge (ERC): This is a penalty charged on traditional (i.e. non-Flexible) mortgages when the loan is repaid in full within a set period. Usually it applies on a pro rata basis when capital repayments are made outside of the agreed monthly payments. Many Early Repayment Charge periods are linked to those of offers, such as Capped, Discounted or Fixed rate periods. However, some mortgage rates have extended Early Repayment Charges which tie-in borrowers even while they are paying the Lender's SVR. Also known as: Early Redemption Penalty (ERP); Redemption Penalty.
Early Redemption Penalty (ERP): See Early Repayment Charge (ERC).
Endowment: A repayment vehicle associated with Interest Only mortgages.
Exchange of Contracts: This is the stage in England, Wales and Northern Ireland that the deposit money is paid and both parties are legally bound to fulfill the agreed conditions of sale and purchase.
Exclusive mortgage: This is a mortgage only available to intermediaries through a specific packager, in conjunction with a Lender who provides the funding.
Fixed rate mortgage: This is a mortgage that is charged at a fixed rate within a set period. There are often early repayment charges applicable if the loan is repaid within the fixed period. At the end of the set period the rate will return to the Lenders SVR which may mean higher payments.
Flexible mortgage: As its name suggests, this is a type of mortgage that offers considerably more flexibility than traditional mortgages. Typical interest rates are often not as keenly priced as a standard mortgage. This type of product is usually for the more financially astute client. Although specific details vary between Lenders, the core features of Flexible mortgages are:
In addition, many Flexible mortgages allow borrowers to:
Freehold: The buyer of a Freehold property owns both the property and the land it stands on indefinitely. See also Leasehold.
Full Status: This term describes borrowers with a good credit history who are not self-certifying their income.
Gazumping: This is when a prospective purchaser has an offer for a property accepted, before another potential buyer puts in a higher offer for the same property.
Higher Lending Charge: This is a premium charged by Lenders in order to indemnify themselves, and NOT the borrower, against any financial shortfall they may incur in the event of repossessing a property, which must then be sold at a loss. It is applicable if the amount required is higher than a certain percentage of the property value, usually 75% LTV; often the Lender will pay the cost of this insurance themselves between 75% and 90% LTV. The charge may either be added to the loan or deducted from the advance on completion. Under subrogation, the borrower may then be pursued directly by the insurance company for the loss that the insurer has paid to the Lender. Also known as: Additional Security Fee; Indemnity; Mortgage Indemnity Guarantee (MIG).
Homebuyers' Report: See Valuation Fee.
Income Multiples: These are the multiples that Lenders apply to borrowers' income in order to determine the maximum loan they will offer them.
Indemnity: See Higher Lending Charge.
Individual Savings Account (ISA): A repayment vehicle associated with Interest Only mortgages.
Interest Only mortgages: With this method the initial loan amount remains the same throughout the term of the loan, while the monthly mortgage repayments only pay off the interest being charged on this amount. For this reason, Interest Only mortgages are tied to investment in one of a number of different repayment vehicles, which, ideally, should cover the initial loan amount at the end of the loan term. These repayment vehicles include endowment policies, personal pensions, ISAs etc.
Introducer fee: See Procuration Fees.
Joint & Several Liability: Should there be more than one party to the mortgage you should be aware that each is jointly and severally liable for the whole loan should the other default.
Land Registry Fee: This is a once-only charge to reimburse your Legal Advisers who carries out the registration work on your behalf.
Leasehold: The buyer of a Leasehold property owns the property for a set number of years, but doesn't own the land on which it stands. See also Freehold.
Let to Buy mortgage (LTB): This is a mortgage where the borrower's current property is let to other tenants and the rental income is used to cover the mortgage repayments on a new property, bought as the borrower's main residence. When Lenders calculate how large a loan the borrower can afford to repay on LTB they do so primarily on the basis of projected rental income, rather than salary income multiples.
Libor-Linked mortgage: This is a variable mortgage that is either above or below the London Inter-Bank Offered Rate by a set percentage within a set period. The Libor rate is set independently every 3 months. It is often associated with Lenders that offer loans to borrowers with elements of adverse credit.
Life Policy: See Term Assurance.
Loan to Value (LTV): This is a percentage figure of the loan amount in relation to the property value. For instance a £100,000 property bought with a mortgage of £70,000 has an LTV of 70%. The higher the LTV, the higher the interest rate charged will be; above certain LTVs a Higher Lending Charge comes into effect.
Mortgage Indemnity Guarantee (MIG): See Higher Lending Charge.
Mortgage Payment Protection Insurance (MPPI): See Accident, Sickness and Unemployment Insurance (ASU).
Non-Conforming: See Adverse Credit.
Negative Equity: Property prices fluctuate according to market conditions and the value of your property may go down as well as up. In the future, this could mean that your mortgage exceeds its market value.
Offer of Advance: If a lender is prepared to lend you money, they will send you an offer letter setting out certain charges, calculations etc. which you should read carefully and understand. If you have any question, please contact us or your legal advisor immediately.
Offset mortgage: This is a fully Flexible mortgage, which allows a borrower to keep balances (such as mortgage debt, savings account and current account) in separate accounts, but, for the purposes of interest calculation, all balances are aggregated. Money in savings or current accounts is set against the mortgage balance and interest is only charged on the outstanding amount, meaning interest payments are reduced. Typical interest rates are often not as keenly priced as a standard mortgage. This type of product is usually for the more financially astute client.
Overpayment: This is when an unscheduled capital repayment is made or when monthly payments are increased, in order that the mortgage is repaid before the end of the mortgage term, saving considerable sums in interest. Many traditional (i.e. non-Flexible) mortgages include early repayment charges if overpayments are made within a set period. In contrast, Flexible mortgages allow unlimited overpayments without penalty and, increasingly, mortgages are semi-Flexible, allowing borrowers to overpay a certain percentage of their loan each year without incurring early repayment charges.
Pension: A repayment vehicle associated with Interest Only mortgages.
Personal Equity Plan (PEP): A repayment vehicle associated with Interest Only mortgages.
Portability: A portable mortgage is one that can be transferred to another property without penalty if the borrower moves house within an early repayment charge period. The new interest rate that the Lender will be prepared to offer depends on whether the loan amount increases or decreases. If the latter, early repayment charges may apply.
Procuration Fee: This is commission paid by Lenders to intermediaries for introducing business to them. If the intermediary receives more than £250 they are obliged to disclose to the borrower the exact amount they received. Also known as: Introducer Fee.
Redemption Penalty: See Early Repayment Charge (ERC).
Repayment mortgage: See Capital and Interest mortgages.
Right to Buy (RTB): This is when a tenant living in a council-owned property purchases it at a discount, the size of which depends on the length of their tenancy.
Self Build: This is a mortgage for property under construction. The loan is paid out in stages as the property is completed, in order to ensure the LTV does not rise too high at any point.
Self Certification mortgage (S/C): This is a mortgage where a borrower states their income and signs a confirmation of their ability to repay a loan, without having to provide evidence such as accounts, payslips or bank statements. Consequently, S/C rates are often higher than standard Full Status mortgages.
Shared Ownership: This is a scheme operated by a Housing Association where the borrower owns part of a property, and pays the mortgage on this, while a Housing Association owns the rest of the property, and the borrower pays rent on this.
Split Loan: This is a mortgage that is taken partly on a Capital and Interest basis and partly on an Interest Only basis.
Stamp Duty: This is a government tax charged on the purchase of a property. For up to date rates please look at www.hmrc.gov.uk/sdlt/index.htm
Standard Variable Rate (SVR): This is a variable rate determined entirely at each Lender's discretion. Unless linked to Libor or the Bank of England Base Rate, the SVR is the reverting rate at the end of any special offer period, such as a Capped, Discounted or Fixed rate.
Telegraphic Transfer Costs: It is usual for the Lender to transfer your mortgage fund to your Legal Advisers bank by telegraphic transfer which will be added to your final account.
Term Assurance: This insurance repays the mortgage in the event of the insured person's death. Term Assurance is also known as: Life Policy.
Tracker mortgage: This is a variable mortgage that is either above or below the Bank of England's Base Rate by a set percentage within a set period.
Valuation Fee: Whether purchasing or remortgaging the Lender undertakes a valuation of the property to ensure it provides adequate security. The charge is borne by the borrower and increases exponentially with the valuation/purchase price. There are 3 levels of valuation: in order of increasing detail these are Basic, Homebuyers' Report, and Structural survey. The more detailed the valuation, the higher the fee.
Save On Limited includes: save-on-mortgages, cheap-remortgages, low-cost-mortgage, low-cost-remortgage, low-cost-buytolet, low-cost-debtconsolidation, cheap-mortgages, save-on-loans, save-on-remortgages, save-on-insurance, save-on-buytolet, save-on-debt, save-on-homeloans, save-by-remortgaging, the-mortgage-broker, online-mortgage-broker, internet-mortgage-broker, no-fee-mortgage-broker, consolidating-debt, save-on-group, save-on-finance, whole-market-mortgage-broker, mortgages, remortgages, mortgage-brokers, buildings-contents-insurance, self-employed-mortgage, travel-insurance, private-medical-insurance, pet-insurance
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Vandalia Community High School is scheduled to hold its annual basketball shootouts throughout June, with games schedule for June 2–3, 6–7, 20–21 and 27–28.
Local teams besides Vandalia will include: Patoka on June 2–3 and 20-21; St. Elmo June 20–21; and Mulberry Grove June 27-28.
Each shootout is scheduled to begin at 12:30 p.m. except for June 6–7, which is scheduled to begin at 12:45 p.m. both days.
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Cheat Sheet
Technical Analysis For Dummies Cheat Sheet
Need help making trading decisions in securities markets? Technical analysis is a collection of techniques that can help you do that. Discover 15 trading secrets that can help you beat the market, figure out how to read a standard bar chart, and know how to interpret a candlestick chart.
15 Technical Analysis Secrets for Boosting Your Trading Skills
Technical analysis can give you an edge in beating the stock market. How, exactly, do you do that? Here are 15 technical analysis secrets to becoming a skilled technical analysis trader:
Use at least two indicators. One technical indicator is better than none; just using the 200-day moving average on the Dow or S&P 500 would have saved your bacon in all the recent bear market downturns. Then apply a second indicator to get the confirmation effect that improves your odds of being right.
You'll never be 100 percent right 100 percent of the time, so confirmation is a must. But don't demand so much confirmation from so many indicators that you hardly ever get a signal — analysis paralysis. Use indicators that work well together without duplicating the ruling concept.
Figure out what the indicator is saying about crowd sentiment. Indicators measure trendedness, the strength of a trend, when a trend is running out of steam, and other aspects of the price move. No indicator measures everything, so understand which aspect of crowd sentiment your technical indicators is focused on.
Take an empirical approach. See what you're looking at on the chart. Don't let wishful thinking skew your vision. Accept the evidence of your eyes. When you misinterpret a chart, go back and find what you missed.
Use multiple time frames for confirmation. When you have the same buy/sell signal in the six-hour, daily and one-week timeframe, you have confidence that the indicator is telling you the truth. You won't get multiple timeframe confirmation all the time but look for it anyway. When in doubt, expand your timeframe to the weekly chart from the daily chart—seeing the big picture may help.
Trade with the trend. If the security is trending upward, buy it. When it stops trending upward, sell it. If you don't know what's going on, don't trade. Don't fall into the "value trap" — that a high-quality security will come back after a fall. It may, but you may have to live a long time to see it happen. While you're waiting, you're missing opportunities to build capital.
Dismiss people who say "market timing doesn't work." They are people who couldn't get it to work for themselves. Millions of people use technical analysis in one form or another today. Every U.S. broker offers technical charting capability. They wouldn't do that if traders didn't demand it.
Don't bring a knife to a gunfight. It takes real skill and superior analytical capabilities to excel at trading, as in any other endeavor. You can beat the index averages. And you can make extraordinary profits in securities markets. But you have to strive for excellence in your analysis and in managing the trade. You're up against serious professionals who want to take your money. You need to be just as smart as they are, if not smarter.
Don't trade for amusement or to make a point. The purpose of trading is to make money—period. If you're trading for entertainment or to prove some philosophical or political point, you'll almost certainly lose your shirt. For amusement, go to the movies. To make a political point, write a letter to the editor.
Use fundamentals to select securities, not to trade them. Nobody says you have to trade junky securities. High-class "value" securities can be just as trended as junk. You're free to trade only the securities you like on a fundamental basis, but you use fundamentals to select securities, not to set a trading regime.
Manage your trades with military discipline. Indicators are sometimes wrong and you'll take losses. Compensate for the shortcomings of indicators by imposing strict risk-management controls. Don't lie to yourself about your track record. Examining losses may uncover a surprisingly simple way to avoid losses in the future. Examining gains may disclose some personal talent on which you can build.
Never override your trading plan. The trading plan has two components — the signals generated by your indicators and your stop-loss and take-profit rules. You can't control the indicators or the market while a trade is in progress but you need to control yourself. Establish your trading rules when you're unemotional for times when you're emotional to overcome bad decision making.
Reduce trading after a big loss and a big gain alike. Pace your trading to the amount of money you have. Don't overtrade.
Don't trade at all if you can't accept losses. Acknowledge that you'll take losses, and that you must control them ruthlessly to preserve capital. The biggest cause of losses isn't bad indicators; it's failure to admit your indicators are sometimes wrong. You can design a reasonable technical trading regime and still fail to make money if you don't control losses. Never trade without a stop-loss order.
Plan every trade and never trade without a profit target. Trading is not a savings plan; it's a pathway to building capital. Establish your best-case profit as well as your worst-case loss. Trading and investing aren't gambling — they're a business, with probable outcomes that you can estimate. Take money off the table once in a while and put it somewhere safe. Capital allocated to trading is not "savings." It is always at some risk when it is actively placed in a market.
Beware expert advisors. You can't evaluate an advisor unless you can judge both the indicator system and the trading rule regime, and you can do that only if you have first tried to do some designing yourself. Everyone trades the same indicator on the same security a different way, and no one way is the right way.
If you take guidance from gurus, figure out their strengths and weaknesses, and verify their work with your own. Don't take tips from anyone you have not pre-qualified. Don't give tips, either, unless you're quitting your day job to set up an advisory business.
Diversify. Trade several securities and types of securities to reduce the risk of getting wiped out by a market catastrophe.
Seek the "Eureka!" moment. Technical analysis contains thousands of ideas, with new combinations of indicators, new types of securities, and new trading technologies being invented all the time. A lot of it is intimidating and frightening, but persevere—you never know when you might come across something that resonates with you and turns out to be the key concept in a new and improved, and successful, trading regime.
Technical Analysis: How to Read a Basic Price Bar
The price bar, the basic building block of technical analysis, describes and defines the trading action in a stock security for a given period. Trading action means all the real-money transactions conducted during the period.
Know how to read market sentiment in the components of the standard bar. If the bar is tall, it was a battle between buyers (bulls) and sellers (bears). If the bar is short, it was a pillow fight.
Here's a look at a standard price bar:
Most market indicators are nothing more than an arithmetic manipulation of the four standard price bar components. The components are easy to learn and interpretation is fairly obvious once you review their meaning:
Open: The little horizontal line, or tick mark, on the left is the opening price.
High: The top of the vertical line defines the high of the day.
Low: The bottom of the vertical line defines the low of the day.
Close: The tick mark line on the right is the closing price.
Get ready to buy the security if it has a series of higher highs and higher closes. Higher highs and higher closes indicate demand for the security is outstripping current supply — buyers outnumber sellers. The opposite is true, too — lower lows and lower closes mean you should get ready to sell, because sellers are overwhelming buyers.
What if the price bars are not consistently offering higher or lower closes? This situation is called congestion, and you should hold off trading the security until you see a trend.
Basics of Candlestick Charts in Technical Analysis
Candlestick charting emphasizes the opening and closing prices of a stock security for a given day. Many candlesticks are simple to use and interpret, making it easier for a beginner to figure out bar analysis — and for experienced traders to achieve new insights.
Become familiar with candlestick bar notation:
Open: The opening price.
High: The high of the day.
Low: The low of the day.
Close: The closing price.
Real body: The range between the open and close.
The color of the real body shows how the struggle between buyers and sellers played out:
A white real body means the close is higher than the open. A white body is bullish (a buyer's market), and the longer the body, the more bullish it is. A long white candlestick indicates that the close was far above the open, implying aggressive buying.
A black real body means the close was lower than the open. A black body is bearish (a seller's market), and the longer the body, the more bearish it is. A tall black bar means the close was under the open and near the low, which may be hard to see on a regular bar but hard to miss in candlestick format; there was a preponderance of sellers throughout the session.
What if the candlestick shows the open and close about the same? This configuration means you can't read supply and demand in the bar and should not trade the security on the basis of bar analysis.
Shadow: The thin vertical line at the top and bottom of the real body. Shows the high and low.