![]() ![]() Transaction brokers don’t have as much liability as other real estate professionals.Īlthough most conventional real estate agents often provide their services regardless of whether or not a transaction is finalized. Because they don’t have any fiduciary obligation to either party in the real estate transaction. Advantages and Disadvantages of Using a Transaction BrokerĬompared to typical real estate agents, transaction brokers offer several advantages, including lower costs. In that case, a transaction broker may be helpful. ![]() However, a third party is required to ensure that the transaction is conducted fairly. If you’re selling and the buyer is an expert in the real estate market, you probably won’t need any help. However, you will need assistance setting a reasonable asking price and drafting the necessary paperwork to finalize the deal. Unless you’re selling to someone you trust, you probably don’t need assistance promoting or negotiating a home sale. When is it Beneficial to Use a Transaction Broker?Ĭlients who don’t require a real estate agent’s support with the transaction but still need a higher level of real estate expertise and assistance might benefit from having a transaction broker. It all comes down to who you pick as your broker. This is because the agent acts as a middleman rather than a broker. Since transaction brokerage firms charge a flat fee for their services they do not earn a commission on the property sale. Does a Transaction Broker get Commission? Coincidentally, they were also two of the first states to use transaction brokers. Transaction brokers are often found and frequently used during real estate transactions in Florida and Colorado. Most states allow the use of transaction brokers, but not all. Are Transaction Brokers Legal in the United States? This fee represents the cost of doing business in today’s competitive marketplace. Transaction brokerage fees may vary from $250.00 to $495.00 depending on the brokerage and area, although on average they fall somewhere between those two figures. Since transaction brokers don’t represent either party, they can objectively act on behalf of both to achieve a win-win scenario.įlat fees are typical for transaction brokers. Do not confuse the role of a transaction broker with that of a dual agent, who represents both the buyer and seller.
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![]() They will mate, and the females will overwinter and begin new colonies in the spring.īaldfaced hornets will capture other insects, particularly flies, to feed their young. Near the end of summer, colonies will produce new queens and males. The workers from these eggs will take over nest construction, foraging for food, and caring for the young while the queen will focus on egg-laying. After she has built a small nest, she will lay eggs. This will create a papery material that she will use to create the nest. She will begin constructing the nest by collecting wood fibers and mixing them with her saliva. Like other social wasps, they will defend their nests (sting) if they feel threatened.Ī single queen starts each baldfaced hornet nest. They can also occasionally be found in shrubs, on utility poles, or the siding of homes. They will build an aerial nest (3+ feet above the ground) attached to tree branches, typically near wooded areas. Unlike cicada killers, baldfaced hornets are social insects. They also have white banding on the last few segments of their abdomen. They are 0.5 - 0.8 inches in length and have a black body with distinctive white markings on their head. ![]() Baldfaced hornetsīaldfaced hornets ( Dolichovespula maculata) are another native wasp species. These strategies will be most successful if performed before or shortly after the wasps are emerging in July. Make sure it to read and follow all label directions. If you would like to use an insecticide to manage them, you can apply an insecticide containing permethrin and carbaryl to the entrances of their tunnels. The wasps don’t like wet soil, and watering the ground may help the soil settle into their tunnels, further discouraging them. ![]() Another potential strategy to discourage them from nesting in an area is to make sure that the soil remains moist. If they are nesting in landscape beds, mulch or a groundcover can be used. Management: One way of discouraging their nest building in yards is to have a healthy, dense stand of turf. Because of this, control is often unnecessary. Females are not aggressive (they don’t protect their nests) and typically won’t sting unless handled or stepped on. ![]() Males are harmless, though, and they cannot sting. The males are territorial and will try to intimidate things (including humans) that enter their territory. While the larvae feed on cicadas, the adults feed on flower nectar and tree sap. Some people may find this undesirable, especially in highly managed turf/yards. When building their burrows, they can bring a lot of soil up to the surface. They can often be found along sidewalks or patio edges, in flower beds, gardens, or lawns. They tend to build their burrows in well-drained areas with light-textured soils (think sandy instead of clay) that are in full sun. Adults will begin to emerge in July, around the time when annual cicadas start emerging and will live into September. The larva will overwinter in the burrow and pupate in the spring. The eggs will hatch, and the larva will burrow into the cicada and begin to feed on it (while the cicada is still alive). She will then deposit them in underground tunnels where she will lay eggs on them. Females will fly up into tree canopies to capture and paralyze cicadas. They have large, rust-colored eyes as well as orangish-red wings and legs.Ĭicada killers are a native wasp species, and as their name implies, they hunt cicadas. Cicada killers can be up to 1.5 inches long and are black with yellow markings on the thorax and abdomen. The species I’ve been getting questions about the most, particularly now in late summer, are cicada killers ( Sphecius speciosus). If you want to learn more about Asian giant hornets, check out Asian Giant Hornets: Your Questions Answered from the Home, Yard & Garden Pest Newsletter. They also have a yellow to orange head, and their abdomens have orange and black stripes. Asian giant hornets are 1.5 – 1.75 inches long and much bulkier in appearance. As you can see, it may be easy to confuse these wasps with Asian giant hornets ( Vespa mandarinia). Tip #5: Structure your talk–start with a statement of intent, followed by a message It gives everyone, including the audience, a moment to collect their thoughts. In fact, look at your notes as frequently as you want, just remember to pause, smile and then continue. Write down, in LARGE letters (at least 18 point font) four word phrases that will remind you of what you want to say. And practice out loud! Research has also shown that practicing out loud with gestures helps you to recall your points. When you are presenting it’s ok to look at your bullets. You’re the expert. You’re presenting for a reason. While we don’t recommend “winging it,” we do recommend planning, practicing and having confidence in your own knowledge. Carla and Copie have found over the years with our hundreds of clients that many presenters seem to forget this truth. What this means to you is that you must stop beating yourself up for forgetting something you planned on saying, and focus instead on what you know. Your audience only knows what you have just said (and even then, they might not remember!). This is actually a profound realization–allow yourself to absorb that for a moment. Tip #2: Your audience doesn’t know what you planned to say Now you have so much going on inside your psyche that you might draw a complete blank and forget, for a moment, your entire presentation! You’ll tend to fill in the blank with lots of “uhs” and “ums,” giving the impression that you’re unprepared. ![]() ![]() Research has shown that memorizing uses a different part of your brain than thinking on your feet. When you memorize, you set yourself up for failure: in trying to constantly recall, you’re adding extra stress to your preparation. If you say one minor thing that’s different from what you memorized, it’s easy to panic and to beat yourself up internally. We often meet with clients who are unsure how they should structure their presentations. What notes, if any, should you bring with you? Should you just “wing it”? Should you memorize a script? How should you start your presentation? And what about acronyms and jargon? We’ve addressed portions of these in previous web and podcasts, and many of our points are worth repeating…. ![]() Presenting your authentic self: how to structure your presentation and your notes so that you can be as effective as possible. ![]() ![]() The differences between the two methods can be pretty dramatic, but I strongly recommend the first method: if your images contain accent colors or small details, k-means can end up muting those differences since those pixels don’t contribute much to the overall pixel-center distances. colordistance provides two major methods for color binning: a histogram method using getImageHist() (predetermined bins) and a k-means clustering method using getKMeanColors() (tries to find centers that minimize the distances between pixels and their assigned centers). Now that we have a list of pixels, we need to bin them in order to make comparisons with other images (both for computational efficiency and since images will have different numbers of pixels). Since image compression is rarely perfect, however, not every white pixel is exactly, so we’ll specify a range for the background pixels: Our background color is white, which we can see above means most of the background pixels are centered around. ![]() In order for that to work, you have to tell it the range for the background pixels as upper and lower limits for the RGB values. The white background pixels – which should be excluded from the analysis – are included because we set the lower and upper bounds for the background pixels to NULL, meaning no pixels were ignored.Ĭolordistance comes with a loadImage() function which imports an image and returns both the original image as a pixel matrix and a matrix with all the background pixels removed. Note that the black pixels are clustered near the coordinate, while the white ones are around, making them as far away from each other as possible. We can clearly see the black, red, and yellow pixels that make up the butterfly’s colors, as well as a tight cluster in the upper right of white pixels which make up the background. (Note that plotPixels() plots a randomly selected subset of the pixels by default in an image to make it easier to see.) Luckily almost every non-butterfly thing has been colored in white, which makes this part easier – just about all we have to get rid of is the pin in the thorax: Then we need to make sure that everything we don’t want to count as part of the butterfly coloration is a single, uniform background color, preferably one as dissimilar to the object colors as possible, so that we can tell colordistance which pixels to ignore when we get to that stage. Which pair of mimics scores the highest similarity? The image above (also available here) is perfect for our analysis – the butterflies were clearly photographed under identical conditions, the lighting appears even, and the specimens were all photographed from the same angle.įirst we need to break them up so that each butterfly has its own photograph (easily accomplished by cropping copies). So, knowing that appearances are particularly important for these butterflies, let’s figure out just how good these mimics are. The following example, comparing images of Heliconius butterflies, is designed to illustrate the basic steps outlined above using real data.Įight different species of Heliconius butterflies from Meyer (2006). This package provides several options both for binning pixels and comparing the bins explanations of these methods and their implications for analysis are provided in other vignettes. Measure the differences in the bins for each pair of images Obtain images of objects on uniform-color backgroundsīin every (non-background) pixel into color categories These pixel coordinates are binned, and the locations and sizes of the bins making up different images are compared to measure their color similarities.Īlthough there are several different methods provided in the package, the basic steps of the analysis are consistent: An image of a colorful object is treated as a set of three-dimensional points, where each pixel in the object is a coordinate in either RGB or HSV color space. The functions in colordistance were written in order to provide simple, scaleable metrics for providing quantitative answers to these kinds of problems. But what if the orange flower has blue spots? Obviously it’s more like the blue flower than the solid orange flower would be, but by how much? What if the blue flower also has red spots? What was an obvious comparison previously now becomes more of a judgment call if we really entirely on human classification. Based just on their colors, you could safely say that the red and orange flowers are more similar to each other than either one is to the blue flower. For example, say you find three flowers – a red one, an orange one, and a blue one. It was originally written for comparing coral reef fishes, but is appropriate for any question that requires objectively measuring the color similarity of two or more objects. The colordistance package contains functions for quantifying the differences between colorful objects. Martin Tuner Image used with permission by copyright holder Still, it’s a nice package for free (though it does include some mostly unobtrusive ads). ![]() Importantly, it lets you switch between a variety of tunings, although when we used it, it seemed to have a bit more difficulty detecting notes than other tuners. Of course, form is less important than function with guitar tuners, and Guitar Tuner performs admirably. Chromatic Guitar Tuner Image used with permission by copyright holderĬhromatic Guitar Tuner offers a cool, vaguely rusty looking interface that is easy enough to read. The free version includes some small ads and you can only use standard tuning for guitars for anything else, you need to upgrade to the premium version of the app. Pro guitar tuner offers fairly accurate readings and a fun, kitschy interface. Pro Guitar Tuner Image used with permission by copyright holder There is also the option to switch to a variety of different tunings, including DADGAD, Drop D, and more, and if you make a Fender account, you can save custom tunings. ![]() You can also switch to manual if you want to tune by ear. ![]() In Auto mode, simply pluck a string, and the app will detect the string, and how close it is to being in tune. The app has a clean interface (with a nice touch of color on the notes you play), and it’s easy to use. The best fitness trackers in 2023: 13 best ones you can buyįender Tune Image used with permission by copyright holderįender is one of the biggest names in guitars, and the company’s tuning app lives up to that lofty pedigree. The best stock-trading apps for iPhone and Android in 2023 The best investment apps for beginners in 2023 ![]() Lastly, before we get to the strange houses discussed below, we will be using the term “house” in a somewhat loose capacity that refers to residences rather than what may be traditionally considered to be a house. Many of these architectural styles also often fall under the general purview of Postmodern architecture, but that is not necessarily the case in this article. There are certain architectural styles that are, quite simply, strange to the average person. These houses do not all necessarily conform to any established style, but some of them do. We will look at houses that make use of some of the strangest architecture. The same is not true of some of the houses we will be discussing below. However, all of these styles and more, regardless of how subversive they are at the time, eventually become rather common. Every major architectural style is relatively traditional in its overall application, such as Gothic architecture’s dedication to monumental height, Neoclassical architecture’s dedication to an emulation of Ancient Roman styles, and Modern architecture’s desire for function over aesthetic presentation. ![]() We live in a world filled with very traditionally designed buildings. 2.5 Which Architects Are Known for Designing the Strangest Houses?.2.4 Where Are the Most Unusual Buildings?.2.3 Which Is the Strangest Example of Impossible Architecture?. ![]()
Sharing content between your iPhone and Apple Vision ProĪpple announced its Vision Pro headset at WWDC in June. The new function allows you to quickly translate phrases or have a conversation with someone in another language. With iOS 17.2, the iPhone 15 Pro's action button now has a translate function. In previous betas, this option was called Coverage.Īpple replaced the mute switch on the side of the iPhone 15 Pro with the action button. If you tap into this option, you'll see all of your devices that are or aren't covered under AppleCare or a warranty. In iOS 17.2, if you go to Settings > General you'll see a new option called AppleCare and Warranty. The screen says it will use songs from your library to curate songs for your Memories. If you go into the Photos app after updating to iOS 17.2, Photos will ask permission to access your Apple Music library. Here you can choose between a handful of haptic patterns, and you can create a custom haptic by tapping Create New Vibration. In the Default Alerts menu, you can also change your haptics by tapping Haptics near the top of the page. To change this sound, go to Settings > Sounds & Haptics > Default Alerts, and you'll be able to select new and classic tones. This is the first time Apple has allowed iPhone users to change the default notification sound. In iOS 17.2, Apple allows you to change the default notification sound. Only three options are available in each of these sections at this time, so Memoji isn't a full-on character creator menu as you'd see in a video game.Ĭhange your default notification sounds and haptics You can adjust your Memoji's waist, bust, shoulders and arms in this menu. In iOS 17.2, there's a new menu in the Memoji editor called Body that lets you edit the appearance of your Memoji's body. If you don't like this, you can turn the setting off by going to Settings > Music and tapping the toggle next to Add Favorite Songs. If you subscribe to Apple Music (which costs $11 a month) iOS 17.2 lets you automatically add songs you've favorited to your library. To react with a Live Sticker, long-press on a text like you would to add a reaction, then tap Add Sticker in the dropdown menu to pull up your stickers. In iOS 17.2, you can react to texts in Messages with your Live Stickers. The feature lets you create your own stickers from pictures you've taken. The page load speed test in Scrutiny loads a page and reports the load time of all of its elements, thus finding bottlenecks.Live Stickers is a new feature Apple introduced in iOS 17 at launch. *** When you scan an site, Scrutiny will report links to your http pages, and also report pages which have 'mixed content' or insecure content, ie style sheets, js files, images which are **** As from version 8, all apps will report the response time and file size of all urls checked. If this is an important feature, then please use the trial period, and support if necessary, to make sure that it works for you before buying. ![]() ![]() ![]() ** Success with authentication isn't guaranteed and may require a little trial and error. This isn't as comprehensive as the full w3c validation (some might say as picky or petty) but will cover many common and important mistakes, the ones that have consequences. ![]() * since v10, Integrity Pro and Scrutiny will be able to carry out a certain amount of html validation. Presentable and customisable reports, optional web accessĪuthentication (sites that require login) Native MacOS (not Java, not cross-platform development, not iOS app running under Catalyst)Ĭhecking linked files and urls within style sheets We're very happy to answer questions and hear comments. This chart only gives a broad outline of main features. Integrity Integrity / Scrutiny comparison of features Different amounts and terms will result in different Comparison Rates. WARNING: This Comparison Rate applies only to the example or examples given. # The comparison rate provided is based on a loan amount of $150,000 and a term of 25 years. * Note: the home loan with the lowest current interest rate is not necessarily the most suitable for your circumstances, you may not qualify for that particular product, the product may not include all the features relevant to you, and not all products are available in all states and territories. You can obtain a copy of the PDS by emailing or by calling 13 77 62. If any financial product has been mentioned, you should obtain and read a copy of the relevant Product Disclosure Statement and consider the information contained within that Statement with regard to your personal circumstances, before making any decision about whether to acquire the product. Specific investment advice should be obtained from a suitably qualified professional before adopting any investment strategy. It should not be relied upon for the purposes of entering into any legal or financial commitments. Because of this, you should consider the appropriateness of the advice to your own situation and needs before taking any action. This website has been prepared without taking into account your objectives, financial situation or needs. The information provided on this website is for general education purposes only and is not intended to constitute specialist or personal advice. The calculations used should not be relied upon for the purposes of entering into any legal or financial commitments. The results from this calculator are an approximate guide only and do not constitute specialist advice. Rates and repayments are indicative only and subject to change. The calculations used should not be relied upon for the purposes of entering into any legal or financial commitments.ĭisclaimer - Loan Repayments: The lowest interest rate from our lender panel is either standard variable or 3-year fixed for an owner-occupier. Loan repayments are based on the lowest interest rate (either standard variable or 3-year fixed rate, owner occupier) from our lender panel over a repayment period of 30 years. The calculations used should not be relied upon for the purposes of entering into any legal or financial commitments.ĭisclaimer - Borrowing power: The borrowing amount is a guide only. The results from these calculators are an approximate guide only and do not constitute specialist advice. Some lenders will only allow a certain extra amount to be paid off each year without incurring additional fees, and a broker can help you figure out the best way to save money and time off your home loan. ![]() ![]() Talk to your Mortgage Choice mortgage broker to find out if lump sum payments are permitted for your home loan. The calculator will use these figures to give you an estimated total interest savings and the new period of time it will take to pay off your loan. ![]()
![]() Select the duplication and click Edit, go to Transform and click Flip Horizontally. ![]()
With the 1971 models compression ratios began falling in anticipation of the non-leaded gasoline needed for catalytic converters. When muscle cars were at their peak, environmental concerns began to emasculate them. Ford had also been active with the muscle, culminating in its 429 cubic inch (seven litre) Cobra Jet V-8 for the 1970 Ranchero GT.īut conditions were about to change. In 1969 sales increased again, so Chevrolet responded for 1970 with an even bigger optional engine, the tire-smoking El Camino SS 454 with 454 cubic inches (7.4 litres). The market was clearly ready because 1968 El Camino sales rose 20 percent to almost 42,000, the highest so far. In addition to the country squire and horsy set it attract a new clientele, one looking for speed not cargo space.īy 1968 Chevrolet was emphasizing the sporty aspect by offering the El Camino SS 396 with the 396 cu in. Chevrolet chose the Chevelle as its entry in the performance race, and since the El Camino was Chevelle-based it could join in too.Īlmost all options available for the Chevelle SS396 muscle car could be had by El Camino buyers seeking higher performance. The Chevelle proved to be a good choice because the industry was on the verge of the big-engine-in-a-light-car “muscle car” craze kicked off by the 1964 Pontiac GTO. Although now an intermediate, its box was bigger than the original in both depth and length. When it reappeared in 1964 it was based on the mid-sized Chevelle two-door wagon. The first was that the two-door, full size Chevrolet wagon on which it was based was discontinued the second was that sales had dropped from over 22,000 1959s to about 14,000 1960s.īut the El Camino wasn’t gone forever it had only taken a three year hiatus. Surprisingly the El Camino left the scene after only two model years. The El Camino carried into 1960 largely unchanged except that the fins were flattened for a less flamboyant appearance. A floor-shifted, four-speed manual was available with higher output engines. ![]() Transmissions were a column shifted three-speed manual, available with overdrive, a two-speed “Powerglide” or “Turboglide” automatic. Options were a 4.6 litre (283 cu in.) V-8 in two horsepowers. The standard engine was the 3.8 litre (235 cu in.) overhead valve, 135 horsepower inline six. Suspension was by coil springs all around and payload ranged up to 522 kg (1,150 lb) depending on suspension and powertrain. ![]() The El Camino had the Chevrolet’s X-braced frame, and a steel-floored cargo box with 33 cubic feet volume. The bench seat accommodated three passengers. This gave it those “bat wing” rear fins, slim pillars, large wraparound windshield and full rear window for 360 degree visibility. Not to be outdone, Chevrolet’s response was the 1959 El Camino (Spanish for “the road’) sedan-pickup based on the Chevrolet station wagon. The target market was people like gentleman farmers and field supervisors who wanted a little more glamour and luxury in their everyday driving. ![]() A bonus was access to virtually all car luxury options and conveniences. ![]() It combined cargo carrying versatility with car-like driving characteristics. To create this novel approach to a light commercial vehicle Ford removed the rear part of a two-door Ford station wagon and replaced it with a smoothly integrated utility box. introduced its 1957 Ranchero sedan-pickup it added a new car-like dimension to American light duty trucks. |
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