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Our calculators are intended to produce rough estimates provided solely for informational purposes. You should not take action based on the information provided through this calculator alone. When available, we recommend you use interest rate information provided to you by your dealer or lender.
Car Lease Calculator
As new cars get more technologically advanced and more expensive, new car leasing has gotten more popular. However, if you've never done it before, leasing a car can seem confusing.
It doesn't have to be. A new car lease is simply another way of borrowing money to pay for a car. There are two main differences between a car lease and a car loan: how much of the car's value you borrow and what happens at the end of the lease or loan term.
When you finance a car, you're borrowing money to pay for it, and you must borrow the entire price of the vehicle. For example, if you are buying a car that costs $50,000, you borrow $50,000 to pay for it. Your lender will charge you an interest rate, which is a percentage of the money you owe and acts as a sort of rental fee for the money you borrow. That interest rate is how your lender makes a profit. You make equal monthly payments over a set period of months, and when you've made all your payments, the car is yours. You own it, and you don't make any more payments on it.
When it comes to leasing, you only borrow enough money to pay for the vehicle's depreciation while you're using it. Depreciation is the decrease in the vehicle's value due to age and use. Let's take that same $50,000 car from the example above. Let's say you're going to lease it for three years, and over those three years, it's going to depreciate by $20,000. That $20,000 is the amount you effectively borrows from a lender when you lease a car. Instead of an interest rate, you'll be a charged a money factor (which is really the same thing as an interest rate; it just has a different name). After making payments for the $20,000 over three years, you turn the vehicle back in to the lender. You never own it, and when your lease is up you can just walk away from it, with no more lease payments to make.
Still not sure if leasing is for you? Check out Buying vs. Leasing a Car and How to Lease a Car for more details. Make sure you also check out this month's Best Lease Deals to find incentives on new car leases.
Why Lease a Car?
For most people, leasing a car is appealing because it offers lower monthly payments than if you finance a car. Remember, instead of paying for the full price of the car, you only pay for the value it loses during your lease. Because you're borrowing less money, your payments are lower. Leases also typically have less money due at signing – like a down payment – than financing a car does. To get the best rate when financing a car, many lenders will want you to come up with 20 percent of the car's value as a down payment to get the best rate (though no-money-down car loans are available). With a lease, you often only need to come up with one or two thousand dollars at signing. Some lease specials require no money down.
A lower monthly payment isn't the only advantage to leasing a car. Because leases only run for two or three years, you frequently get a new car, and that means you get the best and most up-to-date tech and safety technology in your car. This is particularly true if you're interested in alternative powertrain technology. If you buy a hybrid now, you'll own it for years and not be able to take advantage of any advances in EV or fuel cell tech. If you lease for three years, you'll be able to take advantage of the latest powertrains – and if the new technology proves to be a dud, you won't need to live with it long term.
Leasing is also a good choice if you're not sure what your life will look like in a few years. Let's say you're newly married and thinking about having kids in a few years. If you lease a car for three years, it's easy to get a crossover or minivan when the lease is up. If you buy a car, you'll need to sell it, and potentially lose money, when you're ready to have kids and need a larger vehicle.
Lease Payment Calculator
You know that when you lease a car, you're paying for the depreciation, or value the car loses while you have it. However, you probably aren't going to pay the full amount upfront, so you need to figure out what your monthly payments are going to be. Here's what you need to use our lease payment calculator.
Vehicle Price
The vehicle price is the price you and the dealer agree on. Think of this as your starting point for figuring out lease costs. The vehicle price, less its depreciation, is the lease cost we've been talking about.
You can negotiate the car's price when you're leasing, just as you would if you were buying. In fact, getting a low vehicle price on your lease can save you a lot of money. Take the example from above, where you lease a car that has a price of $50,000 and will be worth $30,000 at the end of the lease. That lease costs you roughly $20,000 before fees and interest. If you negotiate the price down to $45,000 and the car is worth $30,000 at the end, your cost (before fees and interest) is $15,000. Every dollar you can get knocked off the vehicle price is one less dollar you have to pay when you lease.
Don't want to negotiate? You can use our Best Price Program, where we negotiate the price of a vehicle for you with our certified dealers. People who use the program save an average of more than $3,000 off MSRP.
Down Payment
While down payments on a car lease tend to be lower than down payments on a car purchase, some down payment is usually required. On most car lease deals, the down payment ranges from $0 to $3,000. If you're not taking advantage of a lease deal, the down payment may be more flexible, but the more money you put down, the lower your monthly payments will be.
Let's go back to our example. You want the $50,000 car and have negotiated the price down to $45,000. It will be worth $30,000 at the end of the lease, so your lease cost, before interest, taxes, and fees, will be $15,000 divided into equal monthly payments. If you put $2,000 down, the amount you make payments on drops to $13,000. That will not only lower your monthly payments but also decrease the money you'll pay in interest because that's $2,000 that will not be accruing interest over the life of the loan.
Residual Value
A car's residual value is its value at the end of the lease. In our example, the $50,000 car (that you negotiated down to $45,000 because you're such a good dealmaker) is worth $30,000 at the end of the lease. That $30,000 is its residual value – the leftover worth of the car after a certain amount of use. The difference between a car's price and its residual value is the car's depreciation.
Cars with high residual values and low depreciation make the best cars to lease because they lower your lease cost. Let's say there are two cars that have the same price, but one depreciates (loses value) by $20,000 over a three-year lease and the other depreciates by $15,000. Since most of the lease cost is depreciation, you save by going with the car that has the lowest depreciation and thus the highest residual value.
Another benefit of leasing is that the residual value is set when you sign a lease. That means that if market forces change and the car loses value faster than expected, you're not on the hook for the difference like you would be if you owned the car and wanted to sell it. With a lease, you can just walk away at the end because you've paid for your part of the agreement – the depreciation that was set when you signed the lease. However, if the car is worth more than the residual value, check your lease agreement. You may be able to keep the difference between what dealers are willing to pay for the car and its residual value as equity. That money can help you make a down payment on your next lease.
There are companies that set a car's residual value for the automotive industry. By searching the internet for "residual value" and the car you want, you should be able to find a ballpark figure to use in your calculations.
Estimated Sales Tax
The estimated sales tax is the sales tax rate that your state charges on car sales in your state. Make sure you check the laws in your state, so you're only paying sales tax on the cost of your lease, not the total cost of the car. The cost of the sales tax is usually folded into your monthly lease payments.
Estimated Interest Rate
In a lease, an interest rate is called a money factor. You can convert a money factor into a simple interest rate by multiplying it by 2,400. So if you're offered a money factor of .004, multiply it by 2,400 and see that it translates to an interest rate of 10 percent.
The money factor you're offered in a lease depends mainly on your credit score, which is how lenders assess the risk that you won't pay them back for the money you want to borrow. You should always convert the money factor on any new car lease into an interest rate to see if it's in line with the type of financing you'd qualify for. You can get financing offers before you go to the dealer to get an idea of the rates you qualify for. That way, you can check to be sure that the money factor lines up with your credit score, and save yourself thousands in interest payments.
Let's do a quick example to illustrate this. You go to the dealer, negotiate the price of the $50,000 car down to $45,000, and have a $2,000 down payment. Then the dealer runs your credit and offers you a money factor of .005. You pull out your smartphone, multiply .005 by 2,400 and see that translates into an interest rate of 12 percent. If you got financing offers before going to the dealer, you'd know that you qualify for an interest rate of around 4 percent, and you can show the dealer the other financing offers you have as proof of why you should get a lower money factor and save yourself thousands of dollars.
From our example above, where you have $13,000 as your lease cost ($15,000 of depreciation, minus the $2,000 down payment you made) a money factor of .0016 (which translates to an interest rate of 4 percent) will mean you pay roughly $943 in interest over a 36-month. With the money factor of .005 (which translates to a 12 percent interest rate), you pay $2,936 in interest over 36 months. It pays to get financing offers before you head to the dealer so you know what kind of money factor you should qualify for.
Lease Term
The lease term is how many months the lease will last. Common terms are 24 to 36 months, though there are longer and shorter leases available. The lease term matters because it's the final factor that determines what your monthly payments will be. To figure your monthly payments, take the total financed amount of the lease (depreciation, plus taxes, interest, and fees) and divide it by the number of months.
Let's go back to our example where you have a lease cost of $13,000 (the $15,000 in depreciation minus the $2,000 you put down, and we're going to pretend you live in a magical place where there's no state sales tax on cars) and a money factor of .0016. With a 36-month lease, your monthly payment will be about $450. If you go for a 24-month lease, your payments will be somewhat higher because you have less time to pay back the money you borrow, though that will be offset slightly by the fact that the car will have a higher residual value, since you'll only use it for two years instead of three.
Total Monthly Payment
Once you input the vehicle price, down payment, residual value, estimated sales tax, money factor, and lease term into the lease payment calculator, you're going to get your monthly lease payment. This is the money you pay each month to lease the car. So you can understand it better, we've broken it up into two components: lease fee and depreciation fee.
Lease Fee
The lease fee is the amount you'll pay in interest over the life of the lease. This comes from the money factor – the higher your money factor, the more you'll pay in interest, which is expressed here as the lease fee.
Depreciation Fee
The depreciation fee is the amount you'll pay each month in depreciation. If you have a 36-month lease on a car that has $5,000 in depreciation over the life of the lease, each month you'll pay just under $140 in depreciation fees.
Total Lease Cost
You'll also see the total cost of the lease. This is a critical number to look at, especially as you compare lease offers. A lot of people who lease new cars focus only on the monthly payment and don't take the total cost into account. Say you're looking at two lease deals on similar cars. Car A has a 36-month lease with monthly payments of $200 and $1,500 down. Car B has a 36-month lease with monthly payments of $185 and $3,000 down. Saving some money each month makes car B more attractive, but its higher down payment makes its total lease cost almost $1,000 more than Car A's. When comparing lease deals, look at the total cost, not just the monthly payment.


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subset: commoncrawl


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I have already condemned, in unequivocal terms, the statements of Reverend Wright that have caused such controversy....Missing here, I think, is an explicit acknowledgment that Wright is not merely expressing the anger he feels but that he is leading people into anger, keeping anger fresh and alive.
... Reverend Wright's comments were not only wrong but divisive, divisive at a time when we need unity; racially charged at a time when we need to come together...
Given my background, my politics, and my professed values and ideals, there will no doubt be those for whom my statements of condemnation are not enough....
But the truth is, that isn't all that I know of the man....
And this helps explain, perhaps, my relationship with Reverend Wright. As imperfect as he may be, he has been like family to me...
I can no more disown him than I can disown the black community. I can no more disown him than I can my white grandmother...
This is the reality in which Reverend Wright and other African-Americans of his generation grew up....
Even for those blacks who did make it, questions of race, and racism, continue to define their worldview in fundamental ways. For the men and women of Reverend Wright's generation, the memories of humiliation and doubt and fear have not gone away; nor has the anger and the bitterness of those years. That anger may not get expressed in public, in front of white co-workers or white friends. But it does find voice in the barbershop or around the kitchen table. At times, that anger is exploited by politicians, to gin up votes along racial lines, or to make up for a politician's own failings.
And occasionally it finds voice in the church on Sunday morning, in the pulpit and in the pews. [T]he anger is real; it is powerful; and to simply wish it away, to condemn it without understanding its roots, only serves to widen the chasm of misunderstanding that exists between the races.
The profound mistake of Reverend Wright's sermons is not that he spoke about racism in our society. It's that he spoke as if our society was static; as if no progress has been made; as if this country – a country that has made it possible for one of his own members to run for the highest office in the land and build a coalition of white and black; Latino and Asian, rich and poor, young and old -- is still irrevocably bound to a tragic past. But what we know -- what we have seen – is that America can change. That is true genius of this nation. What we have already achieved gives us hope – the audacity to hope – for what we can and must achieve tomorrow.Again, Obama speaks as if Wright were only expressing his beliefs, and he does not say that Wright was, from his powerful leadership position, instilling these beliefs in many others.
But the key question isn't whether Obama puts Wright down strongly enough. It's what Obama himself is. Would he, as a leader in the most powerful position, instill this destructive thinking in others? That doesn't at all seem to be what he does, and the rest of the speech is largely a demonstration that he does not:
I would not be running for President if I didn't believe with all my heart that this is what the vast majority of Americans want for this country. This union may never be perfect, but generation after generation has shown that it can always be perfected. And today, whenever I find myself feeling doubtful or cynical about this possibility, what gives me the most hope is the next generation – the young people whose attitudes and beliefs and openness to change have already made history in this election.He ends the speech with a saccharine anecdote about a decidedly un-angry old black man who tells a young white woman — Ashley — that he's supporting Obama "because of Ashley." Mustard sandwiches were involved. Did that distract you from what he did and didn't do in the speech?
I'd say he did not do very much — other than to resist condemning Wright and to model his socially acceptable attitudes and generate a feeling — I'm sure you didn't all feel it — that we need unite behind this man if the terrible divisions over race are going to end.
ADDED: Andrew Sullivan felt it: "I have never felt more convinced that this man's candidacy - not this man, his candidacy - and what he can bring us to achieve - is an historic opportunity. This was a testing; and he did not merely pass it by uttering safe bromides." And it felt all Christian to him.
Jonathan Chait thinks it worked, but only because Obama is black:
My first reaction is that the speech was extremely smart and intellectually subtle....Oh, bullshit. You may not be trying to be Gerry Ferraro here, but the only nonsexual difference between you and Geraldine is that you're for Obama and she's on the other side. And here's a clue: John Kerry is not very smart.
He may be liberated to operate at a high intellectual level in public because he's black. I'm not trying to be Gerry Ferraro here; let me explain. Candidates like John Kerry and (even moreso) Al Gore were also very smart, but constantly forced to dumb it down lest they be tagged as out-of-touch elitists. Since the egghead image is so at odds with the prevailing stereotypes about African-Americans, he has much less to fear by speaking at a high intellectual level.
Righty Paul Mirengoff delivers a left-handed compliment:
Although Obama's speech is not without its evasions, I consider it a courageous one by usual political standards. He has refused to walk away from Wright's black liberation theology when it might well have been expedient to do so. The rest of us now should have the courage to take Obama at his word and decide whether it is acceptable to elect as president of the United States someone who carries Rev. Wright around as part of him, and who takes his ranting seriously.Kathryn Jean Lopez does a pithy paraphrase:
Damn straight, Rev. Wright is angry. That's how I wound up at his church. That's why I stay there. I'm mad too, I just control it better. Now let's get electing me president so we can all feel good.Of course, that's completely unfair. Even if he can be understood to have said something along the lines of "I'm mad too," he distinguished himself from Wright not in hiding his anger, but in believing we can change the things that cause the anger.
AND: Don't miss Shelby Steele's column in the WSJ (written before today's speech, but on point):
How does one "transcend" race in this church?...
What could he have been thinking? Of course he wasn't thinking. He was driven by insecurity, by a need to "be black" despite his biracial background. And so fellow-traveling with a little race hatred seemed a small price to pay for a more secure racial identity. And anyway, wasn't this hatred more rhetorical than real?...
No matter his ultimate political fate, there is already enough pathos in Barack Obama to make him a cautionary tale. His public persona thrives on a manipulation of whites (bargaining), and his private sense of racial identity demands both self-betrayal and duplicity. His is the story of a man who flew so high, yet neglected to become himself.
Here's what Steele means by "bargaining":
Bargaining is a mask that blacks can wear in the American mainstream, one that enables them to put whites at their ease. This mask diffuses the anxiety that goes along with being white in a multiracial society. Bargainers make the subliminal promise to whites not to shame them with America's history of racism, on the condition that they will not hold the bargainer's race against him. And whites love this bargain -- and feel affection for the bargainer -- because it gives them racial innocence in a society where whites live under constant threat of being stigmatized as racist. So the bargainer presents himself as an opportunity for whites to experience racial innocence.NOTE ABOUT THE COMMENTS: We've gone past the number of comments that will show on the comments page. You can still get to these comments by clicking on "post a comment" and scrolling to the bottom of the "post a comment" page and clicking on "Newer" or "Newest."
ADDED: Michael Weiss at Slate quotes this from me: "I'd say he did not do very much — other than to resist condemning Wright and to model his socially acceptable attitudes and generate a feeling — I'm sure you didn't all feel it — that we need unite behind this man if the terrible divisions over race are going to end." Weiss interprets this to mean that I saw the speech as a failure. But that's not right. I know I wrote "he did not do very much," but that doesn't mean it was a mistake not to do very much. Obama did not condemn Jeremiah Wright. He did not reach for a "Sister Souljah moment." He didn't present himself in a new light. But, in a way — within a narrow band — he did a lot, perhaps too much. It was all very subtle. He tried to be entirely inclusive, reaching out to everyone, and stepping on nobody's toes. He insisted both that we confront race and also that we get past it. There were complex contradictions in what he said, but his smoothly honed language made it possible for us to ignore these difficulties even as we could credit him with taking on an elaborately sophisticated problem. I think he meant to deal with his predicament this way. There's no reason to call that a failure.
AND: Mickey Kaus does a terrific job of identifying many of the contradictions you weren't supposed to notice.


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This Privacy Policy was last modified 04/01/2024.


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Commercial Roofer Bethel PA
Trust your Bethel PA Commercial Roofer. TPO and EPDM roofs need the experts at Stoney Ridge Contractors today. With more than 20 years of experience in the roofing industry, you can trust our locally-owned and family-operated company to give your business the high-quality roofing service it deserves. We use heat-wielded equipment for an unmatched finish that lasts for years to come.
Contact us today for a FREE roof estimate on your project. No matter how large or small the roof is. The experts at Stoney Ridge Contractors have the knowledge, experience, and equipment to get the job done. Just call (717) 406-7989 today or use our convenient contact form.
Durable Commercial Roofer Bethel PA
The last thing you want to worry about for your business is the roof over your head. When you're looking for a high-quality, durable, and low-maintenance roofer option for your business, call the team at Stoney Ridge Contractors. Our TPO roofs come with a strong warranty and our EPDM roofs come with a 10 to 20-year warranty.
Further, protect your roof with the #1 ASTEC roof coating which comes with a 10 to 15-year warranty. Other commercial warranties are available in 10 to 30 years, depending on the material's manufacturer.
1500 sq. Rubber replacement for the Lancaster Host Hotel.


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2018 NCFR Annual Conference Schedule
Thank you to our 2018 Conference Host — the University of Nebraska-Lincoln's Department of Child, Youth and Family Studies — for its generous support of the conference.
Browse the conference schedule below and discover all the great sessions planned for the 2018 NCFR Annual Conference, Nov. 7–10 in San Diego!
Download PDF schedule
This printed list with all presentation titles and presenter names, is updated weekly.
2018 Full Conference Schedule (PDF)
Discover Our Conference Program
- Plenary presenter highlights and preconference workshop details
- Search the schedule below that includes abstracts for each session (see below)
- Collections of sessions grouped by topic
- Download the conference app featuring full session details and more
- Official printed conference program (see below)
- Last-minute schedule changes (see below)
Search the Conference Program


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New Research Claims Exercise May Help You Stop Smoking
Smokers who have tried to quit in the past using patches, gum, voodoo witchdoctor magic and other addiction propaganda may just want to step outside for a run the next time they feel the need to smoke,.
A new study shows that exercise seems to overcome nicotine cravings.
The study, which was recently published in the journal Addiction, was formulated using data from nearly 20 clinical trials that indicated exercise was a common denominator in helping reduce nicotine cravings in smokers who were trying to quit.
"Certainly, exercise seems to have temporary benefits, and as such can be strongly recommended," said study leader Adrian Taylor, a professor of exercise and health psychology at Britain's University of Exeter.
Researchers observed groups of smokers who were assigned to casual exercise like taking a brisk walking or biking, while others were assigned a lazy activity, such as watching a video or sitting quietly.
What they found was that smokers had less interest in smoking after engaging in physical activity than they did before they started.
While study experts admit they are not exactly sure why exercise leads to decreased cravings, some speculate that it is because physical activity might actually serve as a catalyst to making them feel better while decreasing their need to feel better from smoking.
It is worth mentioning that none of the study participants were involved in any type of quit program using nicotine replacement products. Researchers say since the use of these products work to curb cravings, the effects of physical activity could be lost on those smokers who use them.


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Type "car seat" into any search engine and you'll end up with more results than you know what to do with.
With a myriad of options for brands, styles, prices and colors, where do you start? And what's the best one for your child right now? We're here to help as we break down what you need to know when shopping for your first (or next) car seat. Because we understand what matters most: keeping your little ones safe.
Whether you're a first-time parent or a seasoned pro, brushing up on your car seat know-how can give you some much-needed peace of mind before you set out on your next drive.
How To Choose the Right Child Safety Seat
As your child grows, the kind of car seat they need will evolve right along with them. Thankfully, there's a car seat option to fit every stage of your child's life.
The kind of seat your child needs is determined by three factors: their age, weight and size. We dive into the four types of seats below, along with the suggested National Highway Traffic Safety Administration (NHTSA) age ranges for each. As you read through this list, keep in mind that each car seat comes with its own maximum height and weight specifications. While the ages suggested by the NHTSA provide an excellent guideline, always refer to the manufacturer's stated limits.
Rear-facing car seats
All infants and younger children should be in a car seat that faces the back of your vehicle. This is the safest possible position.
NHTSA Recommendations:
- Newborn to 12 months: Exclusively rear-facing.
- 1 to 3 years old: Use a rear-facing seat until the child reaches the car seat's maximum weight or height limit.
Forward-facing car seats
As the name implies, this car seat faces the front of your vehicle. But rather than using a seat belt, your child will be buckled in using a harness in the seat.
NHTSA Recommendations:
- 1 to 3 years old: Children should transition to a forward-facing seat only when they reach the maximum weight or height limit for their rear-facing seat.
- 4 to 7 years old: Children graduate from forward-facing car seats once they reach the maximum height and weight limit.
Booster seats
These are designed for older kids, usually around age 5 until 12 years old in some cases. Children riding in booster seats use the standard seat belts in the vehicle, although some are equipped with harnesses for younger riders.
NHTSA Recommendations:
- 4 to 7 years old: Children will be ready for a booster seat after they have outgrown their forward-facing seat. Wait until they reach the maximum weight or height limit before making the switch.
- 8 to 12 years old: Children should ride in a booster seat until they're able to fit into a seat belt properly (see below).
Seat belts
Your child is ready to be a solo seat belt rider when they've outgrown the size limits of their booster seat or when the seat belt fits them properly, with the lap belt resting on the upper thighs and the shoulder belt fitting nice and snug across the chest and shoulders.
Regardless of what kind of seat they need, infants and kids should continue to ride in the back seat for as long as possible, at least until they're 13 years old. Read on to learn more about making the transition.
Different Styles of Child Safety Seats
Once you've determined whether your child should be in a rear-facing seat, a forward-facing seat or a booster, it's time to identify the proper seat style:
These are the carriers that you see sleep-deprived parents ushering into doctors' offices or hauling through stores. This seat—which is secured in the vehicle via a base—is specifically designed for newborns and infants until they reach the maximum weight and/or size limit (which is usually when they are around one year old). They can be a convenient option because you don't have to remove your little one from the seat every time you exit your vehicle. Bear in mind, though, that you will probably need to invest in a second base if you live in a two-vehicle household. You'll also need to purchase another car seat when your child outgrows the infant carrier.
- Position: Rear-facing only.
This style of seat changes to fit your growing child. It starts out as a rear-facing seat. Then, it transitions to a forward-facing seat (more on that to come) as your child gets older. Some convertible seats are designed to fit older babies and toddlers. Others are designed to fit newborns. This can be a convenient option if you only want to buy one seat.
- Positions: Rear- and forward-facing.
As we mentioned earlier, booster seats are designed for older riders (sometimes up to 12 years old, depending on their size and weight). Some designs feature a high back that offers additional head and neck support, which is great for vehicles that have shorter seat backs or no headrests. Backless options are a good fit for vehicles where this isn't an issue.
- Position: Forward-facing only.
Combination (or sometimes called three-in-one)
These car seats are a combination of a forward-facing seat and a booster. The design starts as a car seat with a harness. As your child gets bigger, the harness can be stowed away, and you can use the seat as a high-backed booster along with a regular seatbelt. In some models, the back can be removed to create a backless booster.
- Position: Forward-facing only.
All-in-one (or sometimes called four-in-one)
The ultimate chameleon of car seats, the all-in-one is designed to fit every child's car seat needs. It starts as a rear-facing seat for newborns and infants, transitions to forward-facing and then can be modified to become a booster seat.
- Positions: Rear- and forward-facing.
Car Seat Laws by State
While the NHTSA provides overall safety recommendations, each state maintains its own car seat laws. Surprisingly (or perhaps unsurprisingly), these laws vary from state to state. Some base their regulations on age while others base them on a combination of age, height and/or weight. Do your homework and find out what's required in your state to keep your littlest passengers safe—and to avoid fines and penalties.
How Much Does a Car Seat Cost?
Depending on the brand and style, car seats can run between $15 for a backless booster from a big-box store to nearly $700 for a high-end all-in-one seat. Remember, all car seats go through basic federal crash test requirements. So do your homework and determine which seat best suits your family, your little one and your wallet.
How To Fit and Install a Car Seat
When it's time to install your child's car seat, here's what to keep in mind.
- Read your manuals. Yes, that's manuals (plural). Every car seat and every vehicle is different. So carefully read the installation instructions that come with your car seat as well as the car seat installation section in your vehicle's owner's manual.
- Get to know the two installation methods. Car seats are installed using either a seat belt or the seat anchors that are a part of a vehicle's LATCH system (that acronym stands for Lower Anchors and Tethers for Children). Find out which method is recommended for your vehicle and seat choice. If you opt for the seat belt, ensure that it's locked properly (refer to your vehicle's owner's manual).
- Make it safe and secure. You already know that if your child is younger than 13 years of age, they shouldn't ride in the front. So place the car seat in the back of your vehicle and follow the car seat manual's installation instructions. Also make sure it's a tight fit. It should move no more than an inch when you shift it side to side or front to back when pulling it from the seat belt path.
- Attach the tether for forward-facing car seats. Refer to your vehicle's owner's manual and find out if your system has a tether anchor. These are usually located behind or in the back of the seat. Once you locate it, attach your car seat's tether strap to the tether anchor and pull it tight.
- Set rear-facing seats at the proper incline angle. Find your seat's incline indicators or adjusters to ensure you have your baby in the safe and appropriate position.
- Get help. Did you know that your local fire station or police station may provide free car seat checks? If you need some help or just want to make sure you installed your seat correctly, reach out to a trained Child Passenger Safety Technician and set up an appointment. It never hurts to get a second set of eyes!
Is It Safe To Buy a Used Car Seat?
The short answer is no. Purchasing a used car seat—especially from someone you don't know—poses some significant risks:
- Damage: If the car seat was in a vehicle that was in an accident, the seat itself could be damaged, and some of this damage may not be visible.
- Recalls: Car seats are subject to recalls, just like any other manufactured item. If you purchase a used car seat, there's no initial way of knowing whether it was recalled or if the defect in question was fixed.
- Expiration Dates: Most car seats come with a label that includes the expiration date, which is typically six years after the manufacture date. It's necessary to abide by the usage date to ensure you're using a seat that's safe and not overly worn out. If for some reason that label is missing, you won't know for certain whether it's safe to use.
Do I Have To Replace My Car Seat After a Crash?
NHTSA recommends replacing a car seat after what it deems a "moderate or severe" car crash. If you're in a minor crash, however, the organization notes that you may not need to replace your seat right away. They define an accident as "minor" if all of the following conditions are true:
- The vehicle was able to be driven away from the crash site.
- The vehicle door nearest the car seat was not damaged.
- None of the passengers in the vehicle sustained any injuries in the crash.
- If the vehicle has air bags, the air bags did not deploy during the crash.
- There is no visible damage to the car seat.
At Erie Insurance, we also understand that security and peace of mind are priorities for every parent. So when an auto insurance customer is in an accident and a car seat is involved, we conduct a thorough review of the seat and vehicle damage.
If your seat is damaged, or if the vehicle damage is moderate or severe, we'll replace your car seat as part of your insurance claim.
If you have questions about the specifics of your car seat replacement, talk to your ERIE claims representative or call your local ERIE agent.
Designed for Living
We'd be lost without our cars. They take us to work, shuttle our kids and take us back home again. At ERIE, we get it—we're not only insuring your car, we're protecting your loved ones and how you live your life. Contact your local ERIE agent to talk about your car insurance options and get a no-obligation auto insurance quote today.
A better insurance experience starts with ERIE.
Haven't heard of us? Erie Insurance started with humble beginnings in 1925 with a mission to emphasize customer service above all else. Though we've grown to reach the Fortune 500 list, we still haven't lost the human touch.
Contact E.F. Butz Insurance Agency today to experience the ERIE difference for yourself.


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Saginaw Tax Debt Attorney
Tax debt can be overwhelming if you are unable to find ways to make it easier for you to pay it, and your finances are in dire straits. If you are even one day late in your payments, you will incur interest and penalties. If you default on your taxes, you may face legal troubles on top of your financial troubles.
One of our Saginaw tax debt attorneys at Defense Tax Partners can help you sort out your tax liabilities with the IRS and the state tax agency. When you reach out to us, we will assess your financial situation, determine the best tax relief strategy to make it easier to handle and pay, reduce the penalties you may incur, and negotiate directly with the IRS, especially if they utilize their legal powers to make sure your taxes are collected and paid.
As we work on getting your tax debt lowered or getting you in a tax debt relief program, we will also help you understand your finances better. This ensures that you will be able to manage your finances properly and that incurring any additional tax debt will be prevented once you finish your current one. You won't be disappointed when you reach out to us with our level of service.
Call Defense Tax Partners at (971) 306-4505 for your Free Consultation with an Saginaw Tax Debt Attorney!
Methods for Tax Debt Relief
The Internal Revenue Service and the Oregon Department of Revenue are the two main tax agencies assigned to collect taxes from the public based on their financial status. They are ready to utilize their legal powers to collect the right amount of taxes from those who fail to pay them on time.
However, they are open to negotiations should the taxpayer in question be unable to pay their tax liabilities with an acceptable reason and offer tax relief. Down below are some of the tax debt relief programs offered by the government that you can apply for if you are having problems with your taxes:
"Currently Not Collectible" Status
If you cannot pay the debt for any reason but can pay it off at another date, you can apply for the currently not collectible status. The IRS will assess the reason you will provide as to why you will be unable to pay on time and when you will be able to pay.
If you are approved for this program, the IRS will not collect your taxes from you for a year to give you time to collect the funds. They will also regularly check if you will be able to restart paying your tax responsibility and give you more time if necessary. However, it is important to remember that you will still incur penalties and interest while under this status.
Filing for Bankruptcy
If your business has failed and you do not have any finances to pay off your debt or even start a new one, you can file for bankruptcy to resolve your debt. Chapter 7 bankruptcy is the most common bankruptcy filing and allows applicants to get rid of either a huge part of their debt or the entire debt forgiven. Meanwhile, Chapter 13 bankruptcy allows you to negotiate an installment plan of either three to five-year terms to get the debt paid at a flexible pace. It is important to note that the Chapter 13 bankruptcy will still have penalties and additional fees, which will be incorporated in the monthly payments.
Innocent Spouse Relief
This program is allotted to individuals who do not wish to be tied with their spouse or ex-spouse's tax debts and liabilities. If you are in this situation, you can file for the status directly to the IRS and prove that you are innocent of your spouse or ex-spouse's actions which led them to incur financial debt.
Our legal team can also help you with other relief options applicable to joint filers, such as separation of liability relief and equitable tax relief.
Installment Plans
For a flexible tax debt relief program, you should go for installment plans. The IRS finds this solution ideal because this will allow them to collect the entire debt and the interest. Both parties will sit down to discuss the installment plan that will be followed and how much the monthly installment amount will be. Normally, installment plans can last up to 6 years, depending on the amount owed.
"Offer in Compromise" Program
The offer-in-compromise program is the last resort for a person who can't pay their debts completely, even with the help of an installment plan, property levy, or other tax debt relief programs. With this program, if accepted, you will be allowed to settle your tax debt by paying a specified amount, not the total amount, while the rest of the amount will be forgiven automatically.
Usually, the IRS will request 20% of the entire debt as payment, but they are open to compromise if you are unable to pay the identified amount. We can negotiate with the IRS on your behalf to reach a reasonable amount that you can offer as a compromise without affecting your financial capabilities.
Call Defense Tax Partners at (971) 306-4505 for your Free Consultation with an Saginaw Tax Debt Attorney!
IRS Tax Debt Attorney
For taxpayers to avail themselves of one of the government's tax debt relief programs, they must pass the IRS's strict eligibility requirements and undergo a lengthy application process. If you are qualified to apply for your chosen tax debt relief program and pass the documents they request, it is not a guarantee you will be approved for the program because the IRS will scrutinize every single detail about your finances to see if you qualify for debt relief.
With the help of our Saginaw tax debt attorney, you don't have to worry about getting confused with the options, eligibility requirements, and application process. We will assess your situation to determine what debt relief strategy will work well to get your debts under control and help you apply for the program. We will do our best to get your applications approved and negotiate with the IRS on your behalf so that the best arrangement can be made to help you keep up with your debt relief program without any worries.
Defense Tax Partners also offers the following tax-related services:
- Tax Preparation
- Tax Resolution
- Passport Reinstatement
- Tax Lien Removal
- Audit Representation
- Bank Levy Removal
- Wage Garnishment Removal
When you reach out to us at Defense Tax Partners, you are guaranteed top-class customer service and legal assistance regardless of your tax situation. We can deal with both federal and tax cases, and you can trust our team to handle your case carefully.
Let's Talk Now – Free Consultation
If you have tax debt, there is no need to panic because a professional and trusted Saginaw tax debt attorney could help you resolve it in the best way possible. Defense Tax Partners's great team of tax debt attorneys can check your situation, determine the best strategies to use for it, and assist you in getting your debts down through these strategies. With our assistance, you will be able to understand your finances better and prevent incurring additional debt in the future.
Start your journey to debt-free finances today. Let our team know what you need, and we'll immediately act to help you resolve your tax debts, no matter how simple or complicated it is.
Call Defense Tax Partners at (971) 306-4505 for your Free Consultation with an Saginaw Tax Debt Attorney!


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South Africa Shaded Relief Map
Shaded Relief Map of South Africa.
Shaded Relief modelled from SRTM data for a 3D-like Visual Perspective.
This is a flat 2D print with very realistic shading that appears as though it is 3D.
Print Options:
Matte Paper (Frameless). Museum-quality print made on thick and durable matte paper. Add a wonderful accent to your room or office with these prints that are sure to brighten any environment. Choose this option if you intend on providing your own frame.
- Paper weight: 200 gsm
- Giclée printing quality
Framed Print. High quality wood frame ready to hang on the wall. Simple and accents any wall colour, this makes a perfect gift for any map lover. Choose from 2 colours, black or white.
- Alder, semi-hardwood .75" thick frame
- Lightweight and easy to hang
- Acrylic front protector
- Hanging hardware included
Canvas Print. The canvas texture intensifies the image's natural look and feel and is mounted on a durable wood frame ready to hang on the wall. Canvas prints are simple and accent any wall colour. These make a perfect gift for any map lover.
- Frames are made of FSC® certified wood
- 2-3 cm (0.8-1.2") thick frame
- Lightweight and easy to hang
- Mounting hardware included
- Shipped in protective packaging and strong boxes to ensure no damage during transportation.
White Aluminum Print. A modern floating print on metal that is light and lasts a lifetime. Our shaded relief maps stand out with these prints and are sure to impress.
- Aluminum dibond 3mm with a white coating
- Print directly on the aluminum top grade inks
- Matte and glare-free
- Includes hanging kit with screws
Please allow 2-7 business days to prepare your order and an additional 5-10 business days for courier delivery. Tracking information will be provided as the item is shipped.


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There is one set of rules for Trudeau Liberals and another set of rules for the rest of us
Media are reporting that Trudeau Liberal, Sven Spengemann didn't disclose his position as a director of cannabis start-up, Andean Farm and Pharma Corp. The company is co-founded by Liberal insider, Dan Veniez.
Corporate cronyism has become all too common under Justin Trudeau. It's not surprising that Mr. Spengemann believed he could get away with this after Justin Trudeau bent to the will of the corporate lobbyists at SNC-Lavalin.
It's clear that there are one set of rules for Trudeau and his friends, and another set of rules for the rest of us.
Justin Trudeau and his Liberal candidates have no respect for rules and it's clear that he cannot be trusted. If re-elected, Justin Trudeau will continue to break laws and grant insider access to Liberals and corporate lobbyists.
Under Prime Minister Andrew Scheer the corruption in Ottawa will end. It starts with introducing legislation to attach stiff penalties for violating ethics laws and strengthen the powers of parliamentary watchdogs.
A Conservative government led by Andrew Scheer will uphold the rule of law, respect our democratic institutions, and help all Canadians get ahead.


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Minimalistic liquid interface Flash website for Design Studio M - a Bulgarian architecture and design studio based in Sofia. Simple, clean and to the point.
nice playfull site with an outstanding navigation.
the new version of Sukiland, the universe of Suki : a world of cartoons, games and illustrations.
New responsive website of the digital agency Beagle Ship.
Personal portfolio of hair and make-up artist.
Corporate site of Reverse Buro the design studio of Loïc Dupasquier, a young Swiss designer.
Minimal design in the truest meaning of the word. Portfolio of Christopher Meeks.
Digital creative agency giving life to ideas & producing change.
Corporate site of K2 group, a interactive agency based in Poland.
6 1 2016
strange and fascinating website celebrate Day of the Dead
with traditional Mexican face paint.
posted by: miss M.
6 1 2015
SF exists 15 years.
We have come a long way. We have seen the rize and fall of Flash. And the rize of Wordpress theme's.
To be honest we don't like them. In my humbly opinion Wordpress theme's single handedly eliminated most of the creativity on the web. But luckily it still exists. A lot of those sites you will find here.
Happy new year.
posted by: Miss M.
8 5 2014
We still build things the way machines read them - not the way we intuit them. Jeet allows you to express your page grid the same way a human would describe it. No more needlessly nesting elements. No more rigid twelve column rules. Enjoy building faster with less code, and more flexibility with Jeet.
posted by: miss M.
16 1 2014
Salone del Designer platform is a unique online platform where award winning product designs, architecture concepts, and packaging design ideas could be bought.
posted by: miss M.
16 1 2014
CoolWhisper is a Website that aggregates Fashion, Lifestyle and Art blogs, a recognized type of journalism practiced on the internet, whose contents are conveyed free of charge to the public
posted by: miss M.
6 1 2014
AnimatedVideos offers people an easy way to find amazing animated videos and connect with the companies that made them.
posted by: Miss M.
17 10 2013
Model maker and photographer Michael Paul Smith has expertly combined his two crafts to create a series of images that make his intricate model cars look like life-sized vehicles on the road. The result is just amazing.
posted by: miss M.
1 4 2013
Portfolio of Diego Vencato focuses is on the product design projects and the concept behind them.
posted by: miss M.
18 1 2013
Sharing unconventional wisdom with dumb people for common good.
posted by: miss M.
24 12 2012
Some old time favorites..
posted by: Miss M.
24 12 2012
Portfolio of Maurits Lagerweij.
posted by: miss M.
24 12 2012
Just a little personal something where I share thoughts, ideas and work from Romeo Umulisa.
posted by: miss M.
25 8 2012
We have removed 250 dead links and outdated sites. Enjoy!
posted by: strangefruits team
24 8 2012
Artsnapper is a iPhone app, a visual guide enabling you to discover, review and recommend art, while learning about your taste in art.
posted by: miss M.
17 8 2012
Interesting. The psychology of logo design.
posted by: miss M.


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A couple of months back...
Me to BigSis: Have you heard of Isaac newton ? Do you know who he is ?
BigSis : Yes, yes, he is the guy who said we should wash our hands twenty times with soap and water to kill germs.
Me: ????? Don't they teach anything at your school ? Newton was a famous scientist...
BigSis: Yes, that is why he said to wash hands !!!
Me, now confused, maybe Newton said something about washing hands after all, who knows: Well, that is fine but more importantly he was the one who explained gravity, apple falling from tree... F=G..blah, blah, blah
Big Sis: Okay...
A few weeks back, little neighbor girl has come over to play.
Me, with my favorite question: Have you heard of Isaac newton ? Do you know who he is ?
Little NG: Uh, Oh
Big Sis very interested : Yes, yes, he is the guy who said we should wash our hands twenty times with soap and water to kill germs.
Me, now exasperated: Didn't I tell you that he was a famous scientist and apple falling from tree...blah, blah...gravity...blah, blah
Little NG: BM Aunty, Yes, apple will always fall down from tree, will not go up but Hand washing with soap and water really kills germs.
Now really who is this guy. Where in the Principia did Sir Newton tell us to wash our hands ? For now I am washing my hands off this and cooking up a chicken stew with loads of vegetables. You do too. A warm bowl to cool a hot mind.
I make a chicken stew(you can make with mutton too) with loads of vegetables every week. Little S loves chicken and this stew, Big Sis at her current stage not so much chicken but still likes the broth part. Every week the vegetables change, the spices change but the stew is always there.Till about 6 months ago I would puree the vegetables like this egg curry. Now I just put everything in the pressure cooker. The aroma is divine. With a hot green chili, it makes a lovely dish even for the adults.
There is no set recipe that I have. I go along with the flow and some week is just better than the other. The spice mix I used a couple of weeks back was different, a bit unusual and I liked it. That is the only reason I am putting the recipe here. Now tell me, what is your child's favorite everyday food ?
Read more...
The measurements etc. are totally eyeballed, go with your instinct.
Marinate 2-2&1/2lb of whole cut up chicken (skinless with bones) with 1 tsp of Garlic Paste, 1 tsp of Ginger Paste, a little turmeric powder, salt and lime juice
1 tsp of whole Corriander Seeds
1/4 tsp of Cumin seeds
1/4 tsp of Fennel seeds
6 Cloves/Laung
Make a paste of the
above spices
4 cloves of garlic
1" piece of peeled and chopped ginger
Heat Olive Oil or butter in a Pressure cooker or a deep bottomed pan
Temper the oil with a thin 2" stick of cinnamon and 3-4 green cardamom (gently crushed in the mortar)
Add about 1 small onion chopped fine and fry till onion turns brown on the edges. Add the masala paste and 1 chopped tomato. Fry covered till the oil is separating from the masala and the tomatoes are all mushed up.
Add all the vegetables (potatoes, carrots, zucchini, green beans, few leaves of spinach, a beet maybe), sprinkle a little salt and saute for 2-3 minutes.
Next add the marinated chicken pieces and saute till the meat is no longer pink.
Add enough warm water so that the meat and vegetables are fully covered. Add a fistful of fresh coriander leaves.Pressure cook for about 5 minutes at full pressure. Garnish with fresh coriander leaves and lime juice. Serve as a soup or with rice.
Note: For grown ups add a couple of hot Indian Green chili for a spicy kick


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As pet owners you will know that unfortunately, fleas are an extremely common and annoying occurrence and it is important to treat your dogs and cats for worms and fleas on a regular basis. However, with 95% of flea and egg larvae living in your environment rather than on your pet, it is equally if not more important to treat your home too, otherwise the infestation will return time and time again.
It is not uncommon to be able to spot fleas jumping off and on your pet's body, but they are very small and very fast. They are flat-bodied, dark brown or black in color (unless they are full of blood in which case they can be lighter) and usually less than an eighth of an inch big. However, typical behavioral symptoms include restlessness, and chewing, scratching or licking certain parts of his body more often than usual. If you suspect that your dog or cat has fleas, you can check his skin and coat for signs of them or 'flea dirt' which looks like regular dirt but is actually flea faeces. If you aren't sure if it is actual dirt rather than flea dirt, put some on a paper towel and add some water. If it is flea dirt, then it will turn a reddish brown as it will contain blood that the flea has ingested and then excreted.
With so many different flea treatments available on the market, finding the right one can be tricky. We have put together this list of some of the best and most effective flea treatments for dogs and cats to get you started, but discovering which works best for you and your pets may require some trial and error.
Frontline® sprays do not contain the potentially toxic insecticides found in many pet store sprays, and this one is a one-stop-shop for any household that has both cats and dogs. It is also safe to use if you have kittens or puppies in your property, and is water-resistant so it is still effective even if you like in an area with a high rainfall.
A topical version of Frontline®, this formula will repel fleas and other pests at all life stages for a full 30 days. This helps to prevent re-infestation and keep your home clear of fleas for a month at a time. Like other Frontline® products, it is free of potentially harmful insecticides and water-resistant.
These collars offer a long-term solution to flea and pest problems when compared to other products. Unlike topical and oral treatments, which typically require a monthly application, the Seresto™ collars provide protection for up to 8 months. There are multiple varieties available that cater to both dogs or cats.
If you prefer to administer your pet's flea treatment orally then this is a good option. It kills fleas quickly and can be used in conjunction with other popular preventatives to help stop any future infestations. It is also safe for pets that are pregnant or nursing. There are a number of formulas available for dogs and cats so make sure to select the correct one for your pet's weight and species.
This topical treatment uses pesticides to kill and repel a variety of pests including fleas. It is known for being incredibly fast-acting as it kills all adult fleas within 12 hours of the first application. However, some animals find that the solution irritates their skin. It comes in a selection of formulas which are based on weight.
A very popular alternative to Frontline®, Sentry Fiproguard is an economical option for providing basic protection against fleas and other pests and is often used by people with a large number of pets. It is also water-resistant and so will remain effective even in areas that experience high rainfall.
Another topical treatment, Effix begins to eliminate fleas as quickly as six hours after application and also repels a wide variety of other pests including mosquitos, lice, and ticks. It is a good all-round treatment that requires a monthly application.


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Trailing Wounded Game
It is a hunter's ethical responsibility to stop the hunt and search for any wounded animal.
- You should wait for at least a half-hour to an hour before trailing a deer, unless the downed deer is in sight.
- Make a practice of carefully observing every movement of a game animal after you shoot it. Investigate the ground and trail after shooting before assuming you missed.
- Once at the site of the shot, look for signs:
- Blood on the ground or vegetation
- Broken twigs or branches, or scattered leaves
- A "dew" line if early in the morning
- Tracks
- Hair, meat, or bone fragments
- Downhill trails, especially toward water
- If you lose a trail, search in a circular or grid pattern, and try to pick up the trail again.
- Use fluorescent orange flagging to mark the blood trail in case darkness or weather forces you to quit the search and return the next day. Marking the blood trail also shows where to look for more signs if you lose the trail. Be sure to remove the orange flagging after use.


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Earth Intruders has higher complexity than the average song in terms Chord-Melody Tension.
Earth Intruders is written in the key of F♯ Mixolydian. According to the Theorytab database, it is the least popular key among Mixolydian keys and the 45th most popular among all keys. The F♯ Mixolydian scale is similar to the F♯ Major scale except that its 7th note (E) is a half step lower. Mixolydian chord progressions are heavily featured in many genres of music like classic rock, which relies on the major chord built on the 7th scale degree. See the F♯ Mixolydian Cheat Sheet for popular chords, chord progressions, downloadable midi files and more!


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It's generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan. It may be a viable option even if the interest rate difference is only 1% or less. Any reduction can trim your monthly mortgage payments. Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month. Your savings depends on your income, budget, loan amount, and interest rate changes. Your trusted lender can help you calculate your options.
Most lenders charge fees to refinance a loan. So, if you plan to only stay in the property for a couple of years, your monthly savings may not accumulate to recoup these costs. Example: A lender charged $1,000 to refinance your loan that resulted in saving you $50 each month; it would take 20-months to recoup your initial costs. Some lenders will charge a slightly higher than average interest rate on refinance loans, but will waive all costs associated with the loan. This will depend on the interest rate on your current loan.
Starting with an application fee for $250 - $350, you may need to pay an origination fee typically 1% of your loan amount. In most cases you will pay the same costs you had with your current home loan for the title search, title insurance, lender fees, etc. The total sum could cost up to 2-3% of the loan amount. If you don't have the funds to pay for associated loan costs, you can search for lenders that offer "no-cost" loans which will charge a slightly higher interest rate.
A point is a percentage of the loan amount, or 1-point = 1% of the loan, so one point on a $100,000 loan is $1,000. Points are costs that need to be paid to a lender to get mortgage financing under specified terms. Discount points are fees used to lower the interest rate on a mortgage loan by paying some of this interest up-front. Lenders may refer to costs in terms of basic points in hundredths of a percent, 100 basis points = 1 point, or 1% of the loan amount.
Yes, if you plan to stay in the property for a least a few years. Paying discount points to lower the loan's interest rate is a good way to lower your required monthly loan payment, and possibly increase the loan amount that you can afford to borrow. However, if you plan to stay in the property for only a year or two, your monthly savings may not be enough to recoup the cost of the discount points that you paid up-front.
Mortgage rates can change from the day you apply for a loan to the day you close the transaction. If interest rates rise sharply during the application process it can increase the borrower's mortgage payment unexpectedly. Therefore, a lender can allow the borrower to "lock-in" the loan's interest rate guaranteeing that rate for a specified time period, often 30-60 days, sometimes for a fee.
It's unsure how interest rates will move at any given time, but your lender may estimate where interest rates are headed. If interest rates are expected to be volatile in the near future, considering locking your interest rate may be good because it allows you to qualify for the loan. Or, if your budget could handle a higher loan payment, or lender's lock fees, you may want to let interest rates "float" until the loan closing.
Even with poor credit getting a home loan is still possible. A lender will consider you to be a risky borrower and to compensate for this they will charge you a higher interest rate, and expect a higher down payment usually 20%-50%. The worse your credit history is, the more you can expect to pay.
Not necessarily, if you've been late with your payments less than 3-times in the past year, and the payments were no more than 30-days late, you still have a good change at getting a competitive interest rate. Most lenders will accept certain reasons for this like an illness, or job-change, but explanations are required.
There are two important things to consider when choosing one lender over another one:
- Quality of Service – Especially for first-time homebuyers who will have many questions about the total financing process and available loan options. Finding a lender with outstanding service skills that you trust will comfortably guide you every step of the way, so ask questions, even before you fill-out an application.
- Cost of Services – It's good to ask potential lenders upfront what they charge for their services and any fees involved. They should be able to give you facts and get you through the financing process so that you feel confident knowing that you made a good decision by choosing them.


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Personal Addiction Therapy
More often than not, drug addictions start with experimental use of a drug in social situations. And for some people, the drug use becomes more frequent. As time passes, a person may feel the need to use more of a drug to get their desired high, and soon a person may need the drug to simply feel "good."
Drug addiction symptoms and behaviors include, among others:
- Feeling the need to use the drug regularly, which can be daily or multiple times a day
- Having intense urges for the drug
- Over time, needing more of the drug to get the same effect
- Making certain that you maintain a supply of the drug
- Not meeting obligations and work responsibilities
- Doing things you wouldn't normally do to get the drug, such as stealing
- Focusing more and more time and energy on getting and using the drug
- Experiencing withdrawal symptoms when not using the drug
- Failed attempts to quit using the drug
If you can relate to any of the above symptoms or behaviors, it may be time to consider addiction therapy.
I will address the symptoms of your addiction and the related areas of impaired functioning, and together we'll structure the time and content of your ongoing recovery.
I believe that there are many paths to successful recovery that will work with your goals and desires, and ensure you can make the life changes you want to make. Contact me today for a free consultation.


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Karoline printed a tee in a metallic copper and I love it (as evidenced by my awkward expression, obvz). This hairbow was cut off an old dress...skirt is my mom's sweater with lots of pins in it...vintage Docs from eBay. Yep.
Also if your eyes sting easily I advise you do not picture the pants I got with the tank top I wore yesterday. Try not to run into me on the street the day I wear that combination, either.
The print on this tee is BEYOND, GUYS. IT IS BEYOND.
This brown hat is vintage and reminds me of chocolate. I've had it for forever but haven't worn it for fear I would start seeing everything as chocolate if I did.
O i c u thar, plasteec skul. Seriously, easiest DIY EVER. I mean, unless you don't have a vacuum molding machine lying around. That's a bit rough. But if you do, just add metal fastener.
When I get tired of this veil I tie teeny ribbons in it.
I don't know why I've been chopping all these huge bows off nice dresses? Anyway, they make good necklaces as well as hair...enhancers? OH, accesories. Oopsydoops, recovering from the weekend.
Best 6.50 I've ever spent. Batman sunglasses bought locally...there wasn't a brand on the glasses but my wife Belle somehow has the same ones. We are on the same brainwaves, swearz.


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Inclusive of all taxes
Navy Blue
Monte Carlo
Nylon Blend
Full Sleeve
Rs. 4,895.00
Nylon Blend
Monte Carlo Fashions Limited Unit-2, 231, Industrial Area - A, Ludhiana-141003, Punjab, India
Monte Carlo Fashions Limited,B-XXIX-106, G.T. Road, Sherpur,Ludhiana-141003 Punjab, Call: 0161-5048700, 081969-22333 Or email to firstname.lastname@example.com
There may be a slight color variation between the image shown and original product. Measurements shown may have a tolerance of 1.27 cm / 0.5 inches, some measurements might vary further due to styling of the garments.
Lady's Jacket-Zipper-F/S
This item is eligible for return within 7 days of delivery.
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We accept all payment methods including Cash on Delivery (COD), Debit Cards, Credit Cards, UPI, Paytm Money, PhonePe, Net Banking, and more.
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We provide easy and secure checkout to all our customers. All payment methods are end-to-end encrypted and we don't save your personal banking information.
Pay on Delivery
Online customers at Monte Carlo have the option to pay for delivery by cash when ordering via cash on delivery.


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To Live and Breathe: Women and Environmental Justice in Washington, D.C.May 19, 2023 – January 7, 2024Anacostia Community Museum
Explore how women of color draw on a long history of activism and advance environmental justice efforts.
Orchids: Hidden Stories of Groundbreaking WomenJanuary 29, 2022 – April 24, 2022Smithsonian Gardens
Orchids: Hidden Stories of Groundbreaking Women unearths stories of women who have enriched our understanding and appreciation of orchids.
Contemporary Muslim FashionsFebruary 28, 2020 – July 11, 2021Cooper Hewitt
Organized by the Fine Arts Museums of San Francisco, this is the first major museum exhibition to explore the complex and diverse nature of Muslim dress codes worldwide.
Uncle Tom's Cabin: Early and Notable EditionsFebruary 28, 2020 – February 28, 2022African American History and Culture Museum
The exhibit shows the early and notable editions of the novel in the library's collection, as well as its interesting publishing history.
Emily Howland Photography AlbumMarch 25, 2019 – March 31, 2019African American History and Culture Museum
The Emily Howland photography album containing a previously unknown portrait of abolitionist and Underground Railroad-conductor Harriet Tubman is on view.
The REDress ProjectMarch 1, 2019 – March 31, 2019American Indian Museum
To commemorate Women's History Month, the National Museum of the American Indian presents The REDress Project, an outdoor art installation by artist Jaime Black (Metis).
Ella's Books: Volumes from the Library of Ella FitzgeraldJanuary 1, 2019 – January 31, 2020African American History and Culture Museum
Books that were once part of Ella Fitzgerald's personal library are on display in the museum library's exhibit case.
Watching Oprah: The Oprah Winfrey Show and American CultureJune 8, 2018 – June 2, 2019African American History and Culture Museum
This exhibition explores the era that shaped Oprah Winfrey's life and early career in TV, her talk show that dominated daytime TV for 25 years, and the ways in which she has influenced American popular culture.
Women and Spirit: Catholic Sisters in AmericaJanuary 15, 2010 – April 25, 2010S. Dillon Ripley Center
See rare artifacts and photographs from more than 400 communities that explore the role of Catholic sisters in American life.
Collection of Period Costumes1914 – Before 1955Arts and Industries Building
The Collection of Period Costumes exhibition opened in 1914 in the Smithsonian's Arts and Industries Building.
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Real Capiz Girl WhatsApp Number With Online Dating
Woo app is one of the major digital dating applications being used by almost everyone. With millions of users, Woo app stands as one of world's best and widely used digital dating applications. Woo app is being used by people across all age groups and all regions. Be it urban or rural; Woo app is a digital bridge that helps to get Capiz girls' mobile numbers from different areas.
Woo app has also got special significance when it comes to dating. You can use Woo's dating applications and related features and get connected to the Single Girl WhatsApp Number. Woo helps in connecting with the preferred person through your WhatsApp and chat on a personal basis.
Get Single Girl WhatsApp Number With Online Dating
Woo is one of the leading dating and matchmaking online applications. With the Woo app's aid, it stands as the number one choice for all single guys and girls across all major cities. With Woo's online dating platform, single men and women can come together and chat to your heart's content. You can also get a single girl WhatsApp number or Capiz girl phone number and talk with him or her to your heart's content. This dating application is free of cost, and thus anyone can use it without feeling any stretch on the pocket.
Get Capiz Girl Mobile Number - Get Woo App Today
Woo application is available to any boy or girl looking for a friendship or life long soul partners. With Woo's various user-friendly features, you get to chat in a completely secure and thoroughly monitored environment. Getting a Capiz girl phone number or real Capiz girl WhatsApp number is just some taps away on this platform. And we assure you 100% that none of your information will leak out. With some amazing features of this application like -Woo Secret, Woo Phone, Woo Same and Woo Answer, this is one of the top-rated dating apps of modern age. Thanks to the Woo Secret, a girl can now easily share a single girl WhatsApp number. With Woo Plus subscription, you can get Capiz girl mobile number or Capiz girl phone number and exchange your ideas and thoughts in a well-secured environment.
Register with us at Woo and let us know your experience. After all, you never know in which form love can strike you!


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German Government: Lack of knowledge or deliberately offending Free Software?
In the case of the Foreign Office turning away from Free Software, the German Government is entangling itself in contradictions. The reaction of the Government to an inquiry by "Bündnis 90/Grüne" has led to more pending questions than answers.
"Many replies show that the government either doesn't understand important aspects of Free Software or is deliberately offending Free Software in general as well as Free Software companies in particular" says Matthias Kirschner, Germany coordinator of Free Software Foundation Europe (FSFE).
The government argues that the developments in the Foreign Office constitute a "turning away from the policy of exclusively using open source software." At the same time, the government has confirmed that they will migrate to Microsoft Windows 7 and Office 2010.
"The statements that Free Software would be worse to use, would cause additional expenses on hardware, and that a lack of warranty would exist are imaginative perceptions rather than fitting into a serious reply from the government" said Elmar Geese, president of the "Linux-Verband".
Furthermore the response of the German Government has raised new questions. The government mentioned that 4.3 million Euro have been spent on a Free Software federal GNU/Linux distribution which apparently has never been finished. "We wonder what has happened to that project and what the money has actually been spent on" said Matthias Kirschner.
The FSFE and the "Linux-Verband" will work on an analysis of the reply together with those who are interested.


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Powder perfume
120 products
120 products
Start by identifying your preferred scent family (e.g., floral, woody,
citrus, oriental) and considering the occasions when you'll be wearing
the fragrance (e.g., casual, formal, day, night). Reading product descriptions and customer reviews can also be helpful in determining which fragrances might suit you best. You can also consider trying a sample or discovery set before committing to a full-sized bottle.
The primary difference is the concentration of fragrance oils, which
impacts the longevity and intensity of the scent. Eau de Parfum has the
highest concentration (typically 15-20%), followed by Eau de Toilette
(5-15%) and Eau de Cologne (2-4%). As a result, EDPs tend to last longer
and have a stronger scent than EDTs and EDCs.
Fragrance notes are the individual scents that make up a perfume's
composition. They are typically divided into three categories: top notes, middle (or heart) notes, and base notes.
Top notes are the initial scents you perceive and are usually lighter and more volatile.
Middle notes emerge as the top notes dissipate, and they form the heart
of the fragrance.
Base notes are the longest-lasting and provide depth
and longevity to the perfume.
Perfume can smell differently on different people due to our unique
body chemistry. If you have dry skin, you may want to opt for a
stronger, more concentrated perfume as fragrance tends not to last as
long on dry skin. If your skin is oily, a lighter concentration like eau
de toilette may work well for you.
Typically, lighter, fresher fragrances are suitable for daytime and
warmer months, while heavier, richer scents are more appropriate for
evenings and colder months. However, the best perfume for any occasion
is the one that makes you feel comfortable and confident.
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