How are mortgage interest rates calculated?

Iu2019ll dispel a couple of myths first.,The lender does not decide what your rate will be. The odds are extremely high that they will sell your loan on the secondary mortgage market. Fannie Mae and Freddie Mac are the best-known participants, but there are others. Fannie and Freddie buy funded loans from mortgage companies, then pool them into Mor

Why do companies like Nikon sell cameras that around 16 megapixels but phone companies like Sony and Nokia sell phones that have 20 to 40-megapixel cameras?

Simply put, camera markers and phone makers are trying to solve different problems in photography. The camera maker is mostly targeting enthusiast and professional photographers trying to capture the best image possible. For consumer models, these days, theyu2019re trying to offer customers a thing they canu2019t get in a phone, because right now,

How can I buy products from Alibaba in India? Help me?

8 Steps for buying Products from Alibaba to sell in India :Table of ContentsHow to buy products from Alibaba in India?8 steps for buying Products from Alibaba to sell in India are as follows,Be Prepared with the Important Documents,Getting Familiar with Alibabau2019s E-commerce store,How do we find a genuine supplier?Few steps to consider are as fo

What are the best cheap recording mics for vocals?

If you are just starting out, just scrape up 80 dollars or whatever it is and go buy an SM57. You can use it on anything, you will use it for the rest of your life, and later on you will be surprised at how good it sounds on vocals with a good preamp.

What is the brutal truth about owning a Rolls Royce car?

I write as an owner of a brand new 2018 RR Phantom. The brutal truths areu2026,I also own a couple of Japanese made SUVs. The Japanese cars are a better car. The electronics work better. They have cup holders in all the correct spots. The leather is probably more durable but not nearly so soft.,My car gets 9 miles per gallon. When it is u201cbroken

What colour sofas go well with black and gold curtains and a white wall?

Opt for a jewel tone. Aubergine, magenta, burgundy, emerald greenu2026, steer away from going with a pedestrian black sofa.,Throw a few large, dramatic art prints on the wall(s), or repaint in a cool grey to calm the harshness of a stark white, perhaps color block with grey leaving the white as framing around the color block without the need to add

Why are you working in the government sector and not the private sector?

I chose to work in the government sector because I believed in the importance of doing the work for the people. I was a conservationist dedicated to protecting our natural resources. That kind of job doesnu2019t really exist in the private sector where the priority always comes down to earning money to do a task, provide a service, or sell somethin

What are some careers in biomedical science?

Biomedical Science is one of the rare degrees that literally allows you to go into anything that you could think of. Obviously, there are some limitations to this depending on the time or money side of things but if you take funding and personal time restrictions out of the equation, it is really one of the most flexible degrees into terms of caree

How do I know if I am being overcharged for nasi lemak? Whats a reasonable price to pay?

u2018Nasi Lemaku2019 is a cheap-priced food ranging from ringgit 1.50 for a little packet of the rice to as much as 10ringgit depending on the side and number of sides you choose - fried prawn, squid will cost more than a piece of fried chicken. Iu2019d say an average price would be 8 ringgit (includes a fried chicken). A basic nasi lemak should be

How many billionaires are there in the world?

I've no idea where Abuena is getting his/her number from but according to Forbes latest list there are 1810 billionaires (1st Mar 2016), down from 1826 last year.,The World's Billionaires ,Almost certainly there are not, in fact, precisely 1810. Forbes has to estimate people's wealth as best it can and there can be significant differences between w

Would it be advisable to email a potential employer letting them know that you are about to take another offer (interviewing, job search, job offer, negotiation, workplace)?

Would it be advisable to email a potential employer letting them know that you are about to take another offer (interviewing, job search, job offer, negotiation, workplace)?If you had acknowledged their offer and committed to join them, it is a professional courtesy to go back to them to share latest update (if you are not going to join them, but w

How do I fix an Epson Connect printer setup utility?

Epson printer connect utility setting up process in windows or mac required technical steps to follow. In that case, you need to do registration or add product, follow the screen and few more technical steps to follow that is required for printer utility.

What are the types of panorama?

Your question is a bit vague but I will answer what I believe your question implies. There are several ways to make a panoramic photograph.,A full 360 degree panoramic can be made using a slit (film) or a slit scan (digital) camera. The image is captured as the camera spins around in a full turn. Some digital cameras and smartphones incorporate a v

How different is Hawaii from the mainland USA? It seems strange that Hawaii is so far away from the USA and is typically considered a full state, not even a territory like some of the overseas US territories. Do the cultures match?

I donu2019t really understand why you would call it strange because of the distance. For instance, Alaska is 2,522 miles from Los Angeles. American Samoa is 4,908 miles from LA. , and Guam is over 6,000 miles away. And letu2019s not forget that Hawaiu2019i was once a Territory before achieving Statehood in 1959, so the distance is not really import

How can you upload pictures on Instagram from your GoPro?

How to Share GoPro Video to Social Sharing AppsWhat are you trying to do?Share GoPro App video to various social media apps.,Where does it apply?GoPro App,How to do itThis article describes processes to share video to Instagram or other social sharing sites.,Share from the AppShare to InstagramShare from GoPro StudioIf you want to share a file from

If someone finds San Franciscos weather too hot, would living in Iceland, Faroe Islands, Scandinavia, Russia or Canada be better in terms of weather for them?

By u201cSan Franciscou201d, I assume you mean the actual city of San Francisco, not the Bay Area, which has numerous micro-climates where the weather can vary from almost constantly cool in the Daly City area to highly variable with hot summers (>30C or 85F on average) in places like Livermore or Morgan Hill south of San Jose.,Even within San Fr

What is the single most purchased food at fast food restaurants in the world?

My wife and I visited a delightful little Japanese restaurant. The food was wonderful. The service was superb. The decorations were great. We loved it.,Two older ladies came in and were seated. They looked at the menu and started asking about why there was no chop suey listed. I couldnu2019t help myself and told them that this was a JAPANESE restau

What is the difference between an iPhone 11 and an iPhone 11 Pro Max?

The iPhone 11 and iPhone 11 pro are essentially the same phone. The key differences are:,LCD vs OLED display,screen and phone size,2x optical zoom only available in 11 pro,both have 1x and 0.5x wide angle lenses,Memory configurations available,case material and color options,Both screens are retina and look great. Unless you use a magnifying glass

Which laptop brand is best?

TOP 10 BEST LAPTOP BRANDS IN THE WORLDPLEASE CLICK ON CONTINUE READING TO SEE THE FULL POST,When going to purchase a laptop, individuals consider different specifications to suit their needs from numerous laptop companies. Finding the desired laptop brand can seem a daunting task since there are numerous laptop brands in the market. Itu2019s simila

Which is the advanced color printer available in the market?

Brother MFC-L8900CDW Business Color Laser,Monochrome Laser Multifunction Printer,Canon PIXMA Pro-100 Wireless Color Professional Inkjet Printer,Xerox VersaLink C405/DN Color Laser MultiFunction Printer,Canon TS9120 Wireless All-In-One Printer with Scanner and Copier,2PX9507 - HP Designjet T120 Inkjet Large Format Printer,Samsung Xpress SL-M2835DW/X

Why was the Panchatantra written?

Panchatantra(m) or u201cFive Booksu201d was written to teach to mankind that basic knowledge and wisdom which would make life richer, fuller and happier. This, the book, accomplishes extraordinarily well through the medium of fables in which animals are actors who are endowed with all the human qualities. Thus lion is strong but dim-witted; the jac

How much does a first class ticket in an Emirates A380 cost?

The ticket prices depends on where you are going and where you are going, generally the first class tickets are very expensive and are opted by very few or really rich people.,All the prices I am going to tell you are based on what was told to me by my agent(Thomas cooks). I am going to tell you the prices which i inquired for a trip to Dubai from

What are the most successful start up businesses?

Successful or not, I wont say, as success is not quite easy with Startups.,But I would like to present my startup here, which is on steady & accelerating revenue.,We have launched Paydeck in 2015, Sept in beta & fully it was made live in February, 2016.,Currently we are dealing with 38k registered users.,Most users either Pay their Rent through us

What is a formative assessment? What are some examples?

Here are some favorite formative assessment examples,Thumbs up Thumbs down. Just as it says when teacher just asks the kids to give a thumbs up or thumbs down to measure understanding.,Plickers.com. Really crazy cool - a bit like thumbs up /thumbs down, but using pieces of paper. Results are shown on a board by the teacher taking a picture on her s

Is Japan expensive? If it is, then why are the salaries there so low?

Japanese salaries are low vs some Western equivalents. If you are looking to make money, and fast, there are definitely better places to move to than Japan; the US, Singapore, HK (though that now comes with other strings), Switzerland and other specific cities (London, Paris, Dubai etc).,Salaries at Western companies in Japan tend to be slightly hi

Which are the countries with the fastest fixed internet in the world in 2022?

That is actually an unimportant metric.,What's more important is the number of premises or actually the percentage of all premises that already have or can get gigabit speed with only a phonecall within a countryu2026,10Gbit/s are possible in numerous countries but it does not make any point for most users. And if you can afford it 400Gbit/s or ter