![]() This is how it works: You agree on terms, like how long the owner will act as a lender and the interest rate you will pay. If the situation that prevents you from obtaining a qualifying mortgage will pass in a few years (for example, a bankruptcy will fall off your credit report, or your DTI will be lower), consider looking for a home that the current owners are willing to finance. Before you give up on buying a home, consider an owner financed property. If your credit score is low or your income is difficult to prove, you do have another option. Both loan types are subject to the "Ability to Repay Rule." Unless a lender goes out of its way to determine that a borrower is able to repay the loan, they are open to lawsuits. In fact, the lending process is similar, apart from the loan documents required. However, like qualified mortgages, today's non-QMs have their own set of guidelines. The Great Recession housing meltdown has led to a misconception that non-QMs are bad loans. If you're concerned about whether a non-QM is safe, it's good to know that they are not the same as subprime mortgages. You can get a mortgage with bad credit, or if your income is low, or if you have a high DTI. Non-QMs illustrate that mortgages are open to many types of home buyers. Buyer who lives off investments, or has high assets and low income.The type of borrower who might benefit from a non-QM loan includes: Even though your finances are healthy, you cannot tick the "income verification" box required for a qualified mortgage. But you don’t have trouble paying your bills, your credit score is high, and you have money in the bank. You have no way of knowing exactly how much you will earn from year to year. Some months, your income is high and others, only a little goes into your bank account. Imagine that you own a contracting business. Non-qualified mortgages are not backed by government agencies like FHA, VA, Fannie Mae, and Freddie Mac.Ī non-QM is a good idea when you have the income to make regular, on-time mortgage payments, but cannot get a qualifying mortgage. Borrowers cannot come back (as many did during the Great Recession) and claim that a lender knew they could not make the monthly payments. Today, as long as lenders follow these strict lending guidelines, they are protected from liability. Millions of people who had home loans could not afford the payments. This willy-nilly approach was one of the reasons the recession hit with such ferocity. Unethical lenders would crowbar home buyers into mortgages that were unaffordable. Some mortgages did not verify income at all. Why do these regulations exist? In the years leading up to the Great Recession, lenders seemed willing to approve mortgages for anyone with a pulse, including those with poor credit and low down payments. These minimum standards for qualified mortgages are part of the 2010 Consumer Protection Act and Dodd-Frank Wall Street Reform Act. The above regulations also protect buyers from risky loans. If you can't tick all of the above boxes, you'll need to look into non-qualifying mortgages.Įssentially, mortgage lenders need to know you have the ability to repay your loan. Loan term: The loan term must be 30 years or less.No risky loan features: Risky features include interest-only loans (where you only pay interest without reducing the principal), negative amortization (where your principal can increase, even while you are making payments), or balloon payments (where a larger payment can be tacked on to the end of the loan).Limits on fees: Points and fees on your loan cannot exceed 3% of the loan amount.This is the amount of your monthly income that goes toward your existing debts. Debt: Your debt-to-income ratio (DTI) must be 43% or less.Income: You must have verifiable income, including pay stubs, W-2s, and tax returns.To qualify for a traditional mortgage, you must meet these requirements: The best way to understand a non-qualifying mortgage is to look at the criteria for traditional, qualifying mortgages. For example, if you are self-employed or don't have all the necessary documentation to qualify for a traditional mortgage, you might need to look at non-qualified mortgages. A non-qualified mortgage (non-QM) is a home loan designed to help home buyers who can't meet the strict criteria of a qualifying mortgage. ![]()
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Twitch Leecher allows you to download VOD files so that you can view them and watch your favorite content offline from Twitch. You can also crop the video if you want, in order to save space and make the video as short as you want. When you select your VOD, you can download it to your preferred destination. When you search for them, you’ll also be able to see various information and data about the VODs, such as name, game, length, recording time, quality, and other minor details. Then, you’ll see that in the main interface window, you’ll be able to manage and search for your favorite VOD files from your top channels. Then, you only need to follow the instructions to complete the installation. The installer is distributed to you in a small archive, that you only need to extract and then launch the installer to get going. Luckily, the installation is very quick and painless. 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This free tool will allow you to search for a Twitch VoD using the URL, video ID, or through the channel name. Install this program on your Windows device and you’ll always have direct access to this streaming platform. Twitch Leecher is a frequently updated downloading tool on GitHub. You can watch your favorite games and game. There are several completely free downloading tools that you can use to download videos. Twitch leecher 1.7 download software#You can also download almost any video of various durations, so that you can enjoy your favorite content without internet connection. Twitch leecher is a software that allows you to download game plays from twitch sources and watch them in real time. The tool allows you to download them safely and quickly, as you’ll be able to get as many files as you want, and almost all of the file types, too. E-government services twitch to appear gradually and become. These files sometimes have the content that’s not directly streamed, so it can have some interesting additions to the channel.Īnd with Twitch Leecher, you can easily download these VOD files and save them on computer. Section 1.7 details the research methods adopted. But many channels are now uploading VOD files, which can be downloaded at any time by the users and the members of the channel. It’s a quick and easy way to watch streams. Today, most Twitch users will watch streams on the online platform Twitch. Download VOD files using Twitch Leecher, a simple tool that will help you download any number of VOD files quickly and safely, so you can create a library from the videos of your favorite streamers right on your PC. ![]() ![]() #Contour lines how to#Once you’re sure you know where you are, it’s useful to know how to orientate a map. Once you've triangulated your location, you can begin to take bearings, estimate timings and plan ahead (Image credit: Getty) It’s also easy to mistake one path for another on a map, or pick out the wrong forest, or think you’re crossing one stream when actually you are crossing another. Streams alter course, new paths are built, trees are blown over, forests are cleared, new woodland is planted, roads are washed away in floods, etc etc. We rely first and foremost on contours because we live in an impermanent world. Before considering any of these, and before you consult your map or go anywhere near your best compass, first take a look around and work out what the land around you is doing and what that will mean for the contours you’d expect to see on your map. It’s tempting to look for the path you are on, or for the stream that's merrily trickling by alongside you, or the drystone wall that’s cutting across in front of your path, or the forest in the valley below. Contour lines are more important than any other feature when you are trying to work out where you are on the map. Here’s something to remember, contours are king. Contour lines help you to form this picture of the journey in your mind, helping you to stay on the right course. How contours can enable you to identify different landscape features (Image credit: Getty)Īs you learn navigation, you’ll develop an appreciation for looking at the journey ahead on the map and visualising what to expect. ![]() ![]()
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Amazing Audio Player is an easy-to-use Windows & Mac app that enables you to create HTML5 audio player for your website. ![]() ![]() In the end, "I Am the City" would not see international release until 1993's More ABBA Gold CD, and ABBA's recording of "Just Like That" has never been released in its entirety, though an excerpt was released in 1994. All three songs were filed away for possible use at a later date. Of the three songs recorded, "You Owe Me One" was deemed fit to be a B-side at best as for "I Am the City" and "Just Like That", the band felt the former "wasn't one of their better songs" and decided the verse and chorus of the latter did not fit together. The sessions were tense, and the results disappointing. This was followed by recording sessions at Polar Studios in May 1982 with Agnetha and Frida to record the new songs. ījörn and Benny returned to work on a planned follow up album to The Visitors in April 1982, working together in songwriting sessions and coming up with three new songs, "You Owe Me One", "I Am the City" and " Just Like That". Meanwhile, Anni-Frid (Frida) Lyngstad recorded her first solo album in seven years, working with Phil Collins to produce Something's Going On, and Agnetha Fältskog took a break from music to spend time with her children. Björn Ulvaeus and Benny Andersson both became fathers again in January 1982, and wanted to spend some time with their wives and new born children at the same time, they were beginning to develop ideas for their first musical, Chess, alongside Tim Rice. Each region has its own events and traditions.Following the November 1981 release of ABBA's eighth album The Visitors, the four ABBA members took some time away from the group to focus on individual priorities. However, elaborate carnival festivities draw crowds in other parts of the United States during the Mardi Gras season as well, including Alabama and Mississippi. Louisiana is the only state in which Mardi Gras is a legal holiday. Other lasting customs include throwing beads and other trinkets, wearing masks, decorating floats and eating King Cake.ĭid you know? Rex, one of the oldest Mardi Gras krewes, has been participating in parades since 1872, and established purple, gold and green as the iconic Mardi Gras colors. Since then, krewes have remained a fixture of the Carnival scene throughout Louisiana. In 1857, a secret society of New Orleans businessmen called the Mistick Krewe of Comus organized a torch-lit Mardi Gras procession with marching bands and rolling floats, setting the tone for future public celebrations in the city. Ten years later, the first recorded New Orleans Mardi Gras parade took place, a tradition that continues to this day. On Mardi Gras in 1827, a group of students donned colorful costumes and danced through the streets of New Orleans, emulating the revelry they’d observed while visiting Paris. When the Spanish took control of New Orleans, however, they abolished these rowdy rituals, and the bans remained in force until Louisiana became a U.S. In the decades that followed, New Orleans and other French settlements began marking the holiday with street parties, masked balls and lavish dinners. The word carnival, another common name for the pre-Lenten festivities, also derives from this feasting tradition: in Medieval Latin, carnelevarium means to take away or remove meat, from the Latin carnem for meat. Traditionally, in the days leading up to Lent, merrymakers would binge on all the rich, fatty foods-meat, eggs, milk, lard and cheese-that remained in their homes, in anticipation of several weeks of eating only fish and different types of fasting. Mardi is the French word for Tuesday, and gras means “fat.” In France, the day before Ash Wednesday came to be known as Mardi Gras, or “Fat Tuesday.” As a result, the excess and debauchery of the Mardi Gras season became a prelude to Lent, the 40 days of fasting and penance between Ash Wednesday and Easter Sunday.Īlong with Christianity, Mardi Gras spread from Rome to other European countries, including France, Germany, Spain and England. When Christianity arrived in Rome, religious leaders decided to incorporate these popular local traditions into the new faith, an easier task than abolishing them altogether. ![]() ![]() It differs from the conventional kitchen island which usually has the worktop ending at the edges. With waterfall kitchen islands, the countertop, the cabinets and the flooring all look connected with each other. This resulting “waterfall effect” gives the origin of it its name. The flowing worktop is reminiscent of cascading waters from a waterfall. Usually the horizontal worktop is extended vertically to the side panels of the cabinetry, continuing down to the floor. What is a waterfall kitchen island? Also known as a “work surface wrapped island”, ‘waterfall end panels” or “risers”, a waterfall island is a type of kitchen island wherein the countertop edge flows to the side of the island’s body. Being one of the progressing trends in the modern kitchen design scene, a waterfall island can work wonders in instantly creating a modern and sleek countertop that updates the look of your kitchen. Waterfall kitchen islands are one of the design features you can explore if you want to add a “wow” factor to your homes. And being one of the busiest places in the home, don’t you think that it is just right to treat your kitchen to an added touch of luxury and sophistication? It is where the family congregates and spends a large amount of time to bond with each other. They say that the kitchen is the heart of the home. Welcome to our gallery of beautiful waterfall kitchen islands featuring a variety of materials and design styles. ![]() |
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