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![]() ![]() You should consider all these factors, especially when making a rent vs. Some expenses (e.g., property taxes, homeowner's insurance etc.) will continue even after you have paid off your loan. If you opt for ARMs, your mortgage interest rates (and monthly payment) will change over time. Some of the recurring expenses will change over the lifetime of home ownership due to home value changes, inflation and other factors. Savings such as tax deductions on your mortgage payments.Certain recurring costs associated with home ownership (e.g., utilities, home warranty, home maintenance costs etc.).The mortgage calculations do not include the following costs and savings: PITI refers to Principal, Interest, Taxes and Insurance.Taxes, PMI, Insurance & Fees includes property taxes, PMI, Homeowner's Insurance and HOA Fees.You can print OR share a custom link to your mortgage calculation, with all your numbers already pre-filled, with your friends & family.All extra payments pay down the principal and help reduce the loan tenure.Bi-weekly payments (aka 'Accelerated Bi-weekly', 'True Bi-weekly' or 'Bi-weekly applied bi-weekly') help reduce your total interest cost and accelerate mortgage payoff.One-time expenses can include closing costs (including discount points) and any money spent on one-time repair or renovation of the property.You also have the choice of entering exact dollar amounts instead, if desired. You can enter down payment, one-time expenses, property taxes and homeowners insurance as a percentage of the home value and PMI as a percentage of the mortgage amount.Although you may not pay property taxes and insurance on a monthly basis, it is factored into the total monthly payment with the assumption that you are setting aside this amount (through escrow / impound account or some other means) every month.You should override and enter your own estimates, if required. These averages may not be accurate for your particular situation. PMI, property taxes and homeowners insurance (aka hazard insurance OR home insurance) are defaulted to national averages in the US.The actual PMI is based on your loan-to-value (LTV), credit score and debt-to-income (DTI) ratio. ![]() Private Mortgage Insurance (PMI) is calculated only if down payment is less than 20% of the property value (i.e., loan-to-value ratio is higher than 80%) and stops as soon as the outstanding principal amount (balance) is less than or equal to 80% of the home value. ![]()
![]() The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional". The cookie is used to store the user consent for the cookies in the category "Analytics". This cookie is set by GDPR Cookie Consent plugin. These cookies ensure basic functionalities and security features of the website, anonymously. Necessary cookies are absolutely essential for the website to function properly. Diagrammatically, it might look a bit like this: ![]() The phenomenal world is the world that we perceive or to put it another way, the view we have of the world that is inside our heads. ![]() Instead what we perceive is like an altered version of this world which Kant called the phenomenal world. What is the difference between phenomena and Noumena? What is the phenomenal world according to Kant? Phenomena are the appearances, which constitute the our experience noumena are the (presumed) things themselves, which constitute reality. What is the difference between noumenon and phenomenon?Īccording to Kant, it is vital always to distinguish between the distinct realms of phenomena and noumena. How does Kant characterize our attempts to know more about objects than we really can?Įmpirical idealism, as Kant here characterizes it, is the view that all we know immediately (non-inferentially) is the existence of our own minds and our temporally ordered mental states, while we can only infer the existence of objects “outside” us in space. Kant’s most original contribution to philosophy is his “Copernican Revolution,” that, as he puts it, it is the representation that makes the object possible rather than the object that makes the representation possible. What is an example of Noumenon? What is Kant’s Copernican revolution in philosophy? It is a mistake to treat phenomena as if it were a singular form, as in: This is a strange phenomena. The word phenomenon comes from Greek, and its plural form is phenomena, as in: These phenomena are not fully understood. What’s the difference between phenomenon and phenomena? The garden held a small temple consecrated to the Noumenon beyond phenomena. as objects which have actual existence - as noumena - is philosophically suspect for the same reason our belief in the yellow umbrella is philosophically suspect. Noumena and Theories Our belief in things such as lightning, electrons, molecules, light, force, energy, etc. Immanuel Kant first developed the notion of the noumenon as part of his transcendental idealism, suggesting that while we know the noumenal world to exist because human sensibility is merely receptive, it is not itself sensible and must therefore remain otherwise unknowable to us. What does Kant mean by the phenomena noumena distinction and why is it important for his philosophy? READ ALSO: Can Mac fonts be used in Windows? ![]() ![]() People were fascinated by this new technology that could seemingly understand and respond to their thoughts and emotions, and the program quickly gained popularity as people tried the chatbot.īut perhaps what's most remarkable about ELIZA is that it wasn't just a novelty. But the way that the chatbot was received was far from just a parody. Weizenbaum didn't intend for the chatbot to be taken very seriously, calling it a "parody" in his 1976 book "Computer Power and Human Reason". It wasn't just a simple question-and-answer program - it was designed to provide a sense of emotional support and understanding that reflects interestingly on the ways that people derive comfort from self-affirmation. Users could "talk" to ELIZA about their problems and concerns, and the chatbot would respond with empathetic and non-judgmental phrases like "Tell me more about that" or "How does that make you feel?" Just consider this example of a conversation from Norbert Landsteiner's 2005 implementation of ELIZA, and you can see what it was capable of.ĮLIZA was designed to simulate conversation by responding to typed text with pre-programmed phrases and questions.īut what made ELIZA so special was that it was programmed to mimic the conversational style of a therapist, in particular a Rogerian therapist. Image credit: Public domain via Wikimedia Commons Picture this: it's the year 1966, and a computer scientist at the Massachusetts Institute of Technology's Artificial Intelligence Laboratory named Joseph Weizenbaum has just created something remarkable - the world's very first chatbot: ELIZA. We take a brief moment to move away from the hype that is OpenAI's ChatGPT, and take a brief intermission as we make a small trip back in time. ![]() But with modern technologies, we can now turn to a portable iOS app to translate all the essential information we need along the journey in a strange country. It supports automatic voice translation across 55 major languages and popular dialects globally.Ī trip to another country can be a formidable challenge if you have trouble understanding the local language of your foreign destination. Unlike other translating apps for iPhone, SayHi Translate guarantees a 100% ad-free translation experience. SayHi Translate is the most popular and the best iPhone translator for users who are fed up with in-app advertisements.
![]() It’s a great way to get started, especially since there is no price tag. This barely scratches the surface of what LMMS is capable of: it has support for MIDI devices, you can add all sorts of plug-ins for effects, you can use the piano-roll feature to control pitch, you can get incredible granular beat control (down to 1/92 beats!), and so much more! You can imagine how useful this software can be for practice, performance or composing. Click play, and listen to your new beat go! I turn the bassdrum on and off in the second bar. I’m going to start with the bassdrum loop for two measures, and then add in the hi-hat snare loop. Each gray-tab in the song-editor denotes a 4/4 measure. Now we put it all together in the song-editor! The song-editor works in the same way as the beat+bassline editor, only now instead of beats we select loops. Now I’m going to add in my snare and hi-hat beats. Now the gray box says beat/bassline 1, in the song-editor I renamed mine to “Bass Drum” for beat/bassline 0 and “snare and hi-hat” for beat/bassline 1 (to rename, right click on the loop name in the song-editor). Click on the symbol next to the beat+bassline name to create a new loop.įigure 4: Beat+bassline editor with beats on 1 and 3 After this, I’m going to create a new beat+bassline loop so we can layer them. Right click on the name in the song-editor to rename it). This is Beat/Bassline 0 (see the name in the gray box, this is the name that will appear in the song-editor. I’m going to activate the bass drum on beats 1 and 3. Click on them to activate/deactivate the sound on that beat. You see there are 4 sets of gray tabs extending from the sample name. Free Sound Packs Shake Loops and Samples 95 samples / 83. Our first layer is going to be the bass drum only. The 1 Source for Free Sounds is a comprehensive site that highlights sample packs, drum kits, loops and preset packs created and released for free by music producers, beatmakers and sound designers from around the world. Double-clicking on the sample name will automatically move it to the beat+bassline editor. This will open a panel of sample sounds, choose a few that you like. Open the sound samples panel by clicking on the green note on the left hand side: LMMS comes fully loaded with a wide range of MIDI device support and pre-sampled sounds so it’s easy to get started right away.įirst let’s make a basic drum beat. ![]() You create small loops in the beat+bassline editor, and then arrange and stack them in the song-editor. LMMS has a basic layer structure similar to FruityLoops or FL Studio. California state taxes – What you need to know Taxes can have a much bigger and longer-lasting impact on your retirement savings. You can count on sunshine most days in California … but the rare times it rains can ruin a day at the beach. ![]() Taxes can have an outsized impact on savings, one that you may not notice until it’s too late. But the impact of taxes needs to be considered. There are many ways to invest and many investment options to choose from. But it doesn’t need to be an A-versus-B choice.įor many investors, the choices they make with their investments are about getting from point A to point B, with point B being a comfortable retirement. ![]() That’s a high price to pay for sunshine and good wine. Residents of California can be subject to tax rates on investment income as high as 54.1%. That's because California is also famous for having high taxes-in fact, the highest in the nation. But choices often come with costs, and in the case of California that could come in the form of what is known as the sunshine tax. Where we choose to live is a choice, and in the case of most Californians, the feeling is well, yeah! Made a great choice. ![]() With a population greater than that of America’s other two most popular sunny states-Texas and Florida-the Golden State has staked its claim as the world’s fifth-largest economy-as measured by gross domestic product (GDP)-for several years in a row. And let’s not forget the farmlands of the Central Valley, the source of so much of the wonderful cuisine enjoyed in California! So much to love, in fact, that California is home to almost 40 million people. From San Diego to Orange County to the Venice and Santa Monica beaches, we find near-perfect weather and a great outdoor lifestyle. Some of the world’s best wines come from the Central Coast, Napa and Sonoma. The Bay Area is known as the technology hub of the U.S. Between the beautiful weather, excellent cuisine and some of the country’s best beaches, there’s a lot to love about being a California resident. However, a handful of changes to government surveillance powers in Titles II and V of the Act were widely debated. Many of its provisions were relatively noncontroversial, including increasing communication among different federal agencies in foreign intelligence gathering and granting greater regulatory powers to combat foreign money laundering and terrorism and shore up border security. ![]() The act contained 10 titles, or sections, that covered hundreds of pages of text and amended at least 15 existing statutes. The USA PATRIOT Act’s name is an acronym for “Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism”. A fourth plane crashed into a field in Pennsylvania after the passengers fought back. In the background remains the question whether American citizens should trade some of their freedom and privacy for more safety and security.Īl-Qaeda terrorists crashed planes into the World Trade Center and the Pentagon (pictured here) on September 11, 2001. Almost two decades after its initial passage, the law, including its most controversial provisions, is still in effect, having been renewed repeatedly by successive administrations and Congresses controlled by both parties. Critics argued it gave the government too much power to pry into the private lives of citizens and violated constitutional liberties. Supporters said the law would make America safer. Bush to declare a War on Terror and Congress to hastily pass the USA PATRIOT Act 45 days later. The September 11, 2001, terrorist attack on the United States led President George W. Military Intervention in Afghanistan Decision Point the Does the Threat of Terrorism Justify Increased Surveillance? Point-Counterpoint the Was the Invasion of Iraq Justified? Point-Counterpoint and the Security, Liberty, and the USA PATRIOT Act Lesson. Getty Images special correspondent John Moore reported that, breaking from the norm under previous presidents, the media received “zero access” to border operations.Use this narrative after covering 9/11 to discuss the post-9/11 United States and the implications for domestic and foreign policy. The press has been stonewalled by the Biden administration in other regards as well, with news organizations being denied access to border facilities where immigrants are housed and processed. According to NBC, this gag order is not the result of an official memo, leaving no paper trail, with the restrictions being communicated verbally. ![]() These restrictions include requiring all press inquiries to be approved by the Border Patrol press office in Washington, D.C., and forbidding any press requests for ride-alongs at the southern border. ![]() While what constitutes a “gag order” may be debated, the posts are based on real reporting: According to NBC, current and former Customs and Border Protection officials they’ve spken to have stated that the White House has cracked down on what information they’re allowed to share with the press. Customs and Border Protection from giving interviews unless they are arranged through the White House. ![]() Viral Facebook posts claim that the Biden administration has issued a “gag order” to prevent the U.S.
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