The document discusses the costs of obtaining a £200,000 mortgage in High Wycombe, UK. It outlines typical deposit amounts for first-time buyers (usually 5-25% of the purchase price), monthly repayments on a £200,000 mortgage over 25 years at 2% interest (£846.34), and various fees associated with obtaining a mortgage such as legal fees, surveys, and arrangement fees. It also discusses factors to consider such as interest rates, term lengths, and costs of moving or remortgaging.
This document discusses various approaches to investing in property, focusing on residential property investments. It outlines some of the key reasons why property investing has become popular, including the familiarity and comfort people have with property, and the ability to use leverage through mortgages. The document then examines different types of residential property investments including home ownership, which provides tax advantages but less liquidity, and buy-to-let properties, which generate rental income but involve management responsibilities. It analyzes some of the risks and benefits of each approach.
Trevor Otts presents information on HAVEN, a real estate company focused on customer service. HAVEN aims to make real estate professionals service-driven rather than commission-driven and ensure customer welfare. The presentation discusses home buying costs like closing costs and down payments, providing examples of costs for homes at different price points. It also outlines three homebuyer assistance programs that provide funds for down payments or rent-to-own options based on the buyer's credit, income, and savings.
Kevin Corish: Real Estate Investing for Income Instead of Capital GrowthKevin Corish
While you may expect long-term housing price to rise, experts like Kevin Corish recommend that property owners invest for income instead of short-term capital growth.
To compare different property's values use their yield (i.e., the annual rent received as a percentage of the purchase price). For example, a property delivering £10,000 worth of rent per year that costs £200,000 has a 5% yield. Rent should be the key return for buy-to-let.
HOW CANADIAN RENTERS CAN BENEFIT FROM RENT TO OWN OPTIONSStreetwise Homes
This presentation goes through some of the many benefits that Canadian Renters could have by choosing to use Rent to Own to Purchase their home. Things such as having your rent go towards the purchase, Repairing damaged credit, Not having the home price climb out of reach.
Family Mosaic offers shared ownership properties which allow buyers to purchase a share, usually between 25-75%, of a property while paying subsidized rent on the remaining share. This helps those who cannot otherwise afford to buy on the open market. Buyers must meet eligibility criteria including income limits. Existing tenants can purchase their currently rented properties through the Social Homebuy scheme with available discounts. Owners have options to staircase to increase their share, extend their lease, or sell their shared ownership property.
This document compares the pros and cons of renting versus buying a home. Some key points discussed include:
- Renting provides mobility and avoids large down payment costs, but rent payments do not build equity over time. Rent is also subject to increases.
- Buying a home allows building equity over time and provides tax benefits, but the homeowner bears costs for maintenance and repairs. Property taxes and homeowner's insurance are also expenses.
- When considering buying, factors like income, credit score, debt-to-income ratio, plans to stay in the area long-term, and ability to pay upfront costs like down payments and closing fees must be evaluated to determine financial readiness. Advice is provided
This document advertises a "Rent Now, Buy Later" program for the property located at 22 Brook Street. It offers to allow tenants to buy the property for £135,000 over 24 months by paying rent plus an additional monthly payment that goes towards a purchase pot. The initial deposit can be as low as 3% and additional monthly payments are matched at a rate of £1 for every £2 paid in the first year. The program protects tenants by having solicitors put documentation in their name to ensure payments above rent go towards purchase. Interested tenants simply need to fill out a form for review.
This document discusses various approaches to investing in property, focusing on residential property investments. It outlines some of the key reasons why property investing has become popular, including the familiarity and comfort people have with property, and the ability to use leverage through mortgages. The document then examines different types of residential property investments including home ownership, which provides tax advantages but less liquidity, and buy-to-let properties, which generate rental income but involve management responsibilities. It analyzes some of the risks and benefits of each approach.
Trevor Otts presents information on HAVEN, a real estate company focused on customer service. HAVEN aims to make real estate professionals service-driven rather than commission-driven and ensure customer welfare. The presentation discusses home buying costs like closing costs and down payments, providing examples of costs for homes at different price points. It also outlines three homebuyer assistance programs that provide funds for down payments or rent-to-own options based on the buyer's credit, income, and savings.
Kevin Corish: Real Estate Investing for Income Instead of Capital GrowthKevin Corish
While you may expect long-term housing price to rise, experts like Kevin Corish recommend that property owners invest for income instead of short-term capital growth.
To compare different property's values use their yield (i.e., the annual rent received as a percentage of the purchase price). For example, a property delivering £10,000 worth of rent per year that costs £200,000 has a 5% yield. Rent should be the key return for buy-to-let.
HOW CANADIAN RENTERS CAN BENEFIT FROM RENT TO OWN OPTIONSStreetwise Homes
This presentation goes through some of the many benefits that Canadian Renters could have by choosing to use Rent to Own to Purchase their home. Things such as having your rent go towards the purchase, Repairing damaged credit, Not having the home price climb out of reach.
Family Mosaic offers shared ownership properties which allow buyers to purchase a share, usually between 25-75%, of a property while paying subsidized rent on the remaining share. This helps those who cannot otherwise afford to buy on the open market. Buyers must meet eligibility criteria including income limits. Existing tenants can purchase their currently rented properties through the Social Homebuy scheme with available discounts. Owners have options to staircase to increase their share, extend their lease, or sell their shared ownership property.
This document compares the pros and cons of renting versus buying a home. Some key points discussed include:
- Renting provides mobility and avoids large down payment costs, but rent payments do not build equity over time. Rent is also subject to increases.
- Buying a home allows building equity over time and provides tax benefits, but the homeowner bears costs for maintenance and repairs. Property taxes and homeowner's insurance are also expenses.
- When considering buying, factors like income, credit score, debt-to-income ratio, plans to stay in the area long-term, and ability to pay upfront costs like down payments and closing fees must be evaluated to determine financial readiness. Advice is provided
This document advertises a "Rent Now, Buy Later" program for the property located at 22 Brook Street. It offers to allow tenants to buy the property for £135,000 over 24 months by paying rent plus an additional monthly payment that goes towards a purchase pot. The initial deposit can be as low as 3% and additional monthly payments are matched at a rate of £1 for every £2 paid in the first year. The program protects tenants by having solicitors put documentation in their name to ensure payments above rent go towards purchase. Interested tenants simply need to fill out a form for review.
Our Buyers Guide to Contractor Mortgages helps to explain the whole process surrounding buying a house when you are a contractor. The slide show is broken down into specific sections detailing; 1. Why Contractors find it difficult to get a mortgage with High St lenders 2. First time buyers 3. Remortgaging 4. Buy to let for Contractors 5. Help to Buy for Contractors 6. What Mortgages are available 7. How much a Contractor can borrow and 8. The overall mortgage process explained.
This document summarizes the mortgage services offered by Invis, one of Canada's largest mortgage brokerage firms, and how partnering with them can benefit realtors and their clients. Key points include:
- Invis has over 800 mortgage consultants across Canada who can arrange financing and get the best rates and terms from over 50 lenders.
- Partnering with Invis gives realtors and their clients access to more options and stronger negotiating power to get approved for higher mortgages and potentially save thousands.
- Invis' services are tailored for realtors and include helping avoid deals falling through, financing for challenging situations, and actively participating in realtors' success through various programs.
The document provides information on current mortgage rates and special offers from MortgageBrokerDawna.com, including a 5 year fixed rate of 3.89% and 5 year variable rate of 2.30%. It outlines financing options for purchasing homes, renovations, debt consolidation, and states that self-employed individuals who have been turned down by banks may qualify for a stated income mortgage. Contact information is provided to get customized mortgage options and rates.
A short sale occurs when a home is sold for less than the amount owed on the mortgage to avoid foreclosure. Through a short sale, the lender agrees to forgive the remaining debt and the homeowner avoids the negative consequences of foreclosure like damage to their credit. The process involves negotiating with lenders to accept a lower sale price, assembling financial documents, and coordinating the sale between buyers and lenders.
This document provides information about mortgages from deVere Mortgages. It discusses mortgages for UK residents and expatriates, including residential mortgages, buy-to-let mortgages, and considerations for international mortgages. The document recommends seeking expert mortgage advice to find the best solution suited to an individual's needs and circumstances.
This document provides information about mortgages from deVere Mortgages. It discusses mortgages for UK residents and expatriates, factors to consider for a new home budget, reasons for international mortgages, and services provided by deVere such as foreign currency exchange and insurance. The document aims to help readers find the best mortgage solutions tailored to their needs and circumstances.
This document provides information about mortgages from deVere Mortgages. It discusses mortgages for UK residents and expatriates, including residential mortgages, buy-to-let mortgages, and considerations for international mortgages. The document recommends seeking expert mortgage advice to find the best solution suited to individual needs and circumstances.
Take advantage of today’s low rates and refinance or cash out and refinance your home loan to consolidate debt, lower your payments or renovate your home.
This document provides an overview and guide to mortgages from Chicago Bancorp. It begins with an introduction to Chicago Bancorp and what they offer. It then outlines the basic loan process in 3 steps. Next, it explains the pre-approval process and compares it to pre-qualification. It also provides information on shopping for a home, the approval process, common loan programs including fixed rate, adjustable rate, FHA, VA, and Jumbo loans. Additionally, it defines what makes up a monthly mortgage payment and provides a good faith estimate and closing costs worksheet. Finally, it concludes with a glossary of common mortgage terms.
In the process of finalizing a real estate purchase, closing costs are paid. The closing costs are paid by both the buyer and seller to the service providers who assist with the transaction. Buyers typically pay for mortgage insurance, homeowners insurance, appraisal fees, and property taxes, whereas sellers cover ownership transfer fees and pay their real estate agent's commission. Some closing costs are often covered by a buyer's new house seller.
The document discusses FHA 203K loans, which allow homeowners to finance home repairs and renovations along with their home purchase or refinance. A 203K loan provides a single loan to cover both the purchase price and proposed improvements. The maximum loan amount is based on the appraised value after improvements. Repairs are done after closing, so sellers are not responsible. The loan helps buyers purchase distressed homes needing repairs and complete renovations to make the home their dream home.
This document provides information about home finance, including mortgages, home insurance, property taxes, and tenants insurance. It discusses different types of mortgages and how to calculate mortgage payments. It also explains how home insurance premiums are determined based on factors like replacement cost, location, coverage, and deductible. Tables are provided as examples to demonstrate how to calculate insurance premiums for tenants and homeowners. The document also discusses how property taxes are used by municipalities to fund services and provides an example of a property tax statement.
Cindee Stone has over 15 years of experience helping people achieve homeownership through her mortgage lending expertise. She founded People Want Info to educate homebuyers on the loan process and stresses the importance of pre-approval to feel comfortable throughout the process. With her positive attitude and focus on clients, Cindee has achieved success in the mortgage industry by ensuring the best outcomes for each individual borrower.
This document provides information about using a mortgage broker for home financing. It outlines three key reasons for using a broker: they have access to multiple lenders and products, they stay up-to-date on financing options, and they can help those with unique circumstances like self-employment. The document promotes using a broker from Neighbourhood Dominion Lending Centres who can find the best mortgage rate and terms.
The document discusses the UK government's Help to Buy Equity Loan scheme, which provides a 20% equity loan to help first-time buyers purchase a new-build home priced up to £600,000. It notes that with the loan, buyers only need a 75% mortgage rather than a 95% one, resulting in lower monthly payments and potentially interest rates. However, it cautions that the 20% government loan must be paid back with interest after 5 years and recommends seeking independent mortgage advice.
Jeff Edmisten and Ruthie Buck thank buyers for reviewing their homebuyer guide. Their mission is to connect buyers with the best home deals and provide uncompromising commitment to exceptional service. They help buyers search for homes, write offers, and guide them through the entire purchasing process. Their client testimonial praises how they went above and beyond to help secure a home across state lines. The guide provides tips on estimating home buying power from rent, benefits of ownership, choosing a lender and mortgage, the home buying process, and more.
The Drop in Mortgage Rates Brings Good News for Homebuyers.pptxanyproperty forcash
Lower interest rates mean lower monthly mortgage payments and a shorter time until the home pays for itself for buyers. Rates recently dropped from 4% to 3.5%, meaning a £250,000 mortgage would have a smaller monthly payment. While this is a good time for buyers to get a reasonable rate, buyers should still be patient and shop around since not all lenders have adjusted their rates yet.
What is an RPA CoE? Session 1 – CoE VisionDianaGray10
In the first session, we will review the organization's vision and how this has an impact on the COE Structure.
Topics covered:
• The role of a steering committee
• How do the organization’s priorities determine CoE Structure?
Speaker:
Chris Bolin, Senior Intelligent Automation Architect Anika Systems
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Similar to Cost of a mortgage ££££ template generic towns (1)
Our Buyers Guide to Contractor Mortgages helps to explain the whole process surrounding buying a house when you are a contractor. The slide show is broken down into specific sections detailing; 1. Why Contractors find it difficult to get a mortgage with High St lenders 2. First time buyers 3. Remortgaging 4. Buy to let for Contractors 5. Help to Buy for Contractors 6. What Mortgages are available 7. How much a Contractor can borrow and 8. The overall mortgage process explained.
This document summarizes the mortgage services offered by Invis, one of Canada's largest mortgage brokerage firms, and how partnering with them can benefit realtors and their clients. Key points include:
- Invis has over 800 mortgage consultants across Canada who can arrange financing and get the best rates and terms from over 50 lenders.
- Partnering with Invis gives realtors and their clients access to more options and stronger negotiating power to get approved for higher mortgages and potentially save thousands.
- Invis' services are tailored for realtors and include helping avoid deals falling through, financing for challenging situations, and actively participating in realtors' success through various programs.
The document provides information on current mortgage rates and special offers from MortgageBrokerDawna.com, including a 5 year fixed rate of 3.89% and 5 year variable rate of 2.30%. It outlines financing options for purchasing homes, renovations, debt consolidation, and states that self-employed individuals who have been turned down by banks may qualify for a stated income mortgage. Contact information is provided to get customized mortgage options and rates.
A short sale occurs when a home is sold for less than the amount owed on the mortgage to avoid foreclosure. Through a short sale, the lender agrees to forgive the remaining debt and the homeowner avoids the negative consequences of foreclosure like damage to their credit. The process involves negotiating with lenders to accept a lower sale price, assembling financial documents, and coordinating the sale between buyers and lenders.
This document provides information about mortgages from deVere Mortgages. It discusses mortgages for UK residents and expatriates, including residential mortgages, buy-to-let mortgages, and considerations for international mortgages. The document recommends seeking expert mortgage advice to find the best solution suited to an individual's needs and circumstances.
This document provides information about mortgages from deVere Mortgages. It discusses mortgages for UK residents and expatriates, factors to consider for a new home budget, reasons for international mortgages, and services provided by deVere such as foreign currency exchange and insurance. The document aims to help readers find the best mortgage solutions tailored to their needs and circumstances.
This document provides information about mortgages from deVere Mortgages. It discusses mortgages for UK residents and expatriates, including residential mortgages, buy-to-let mortgages, and considerations for international mortgages. The document recommends seeking expert mortgage advice to find the best solution suited to individual needs and circumstances.
Take advantage of today’s low rates and refinance or cash out and refinance your home loan to consolidate debt, lower your payments or renovate your home.
This document provides an overview and guide to mortgages from Chicago Bancorp. It begins with an introduction to Chicago Bancorp and what they offer. It then outlines the basic loan process in 3 steps. Next, it explains the pre-approval process and compares it to pre-qualification. It also provides information on shopping for a home, the approval process, common loan programs including fixed rate, adjustable rate, FHA, VA, and Jumbo loans. Additionally, it defines what makes up a monthly mortgage payment and provides a good faith estimate and closing costs worksheet. Finally, it concludes with a glossary of common mortgage terms.
In the process of finalizing a real estate purchase, closing costs are paid. The closing costs are paid by both the buyer and seller to the service providers who assist with the transaction. Buyers typically pay for mortgage insurance, homeowners insurance, appraisal fees, and property taxes, whereas sellers cover ownership transfer fees and pay their real estate agent's commission. Some closing costs are often covered by a buyer's new house seller.
The document discusses FHA 203K loans, which allow homeowners to finance home repairs and renovations along with their home purchase or refinance. A 203K loan provides a single loan to cover both the purchase price and proposed improvements. The maximum loan amount is based on the appraised value after improvements. Repairs are done after closing, so sellers are not responsible. The loan helps buyers purchase distressed homes needing repairs and complete renovations to make the home their dream home.
This document provides information about home finance, including mortgages, home insurance, property taxes, and tenants insurance. It discusses different types of mortgages and how to calculate mortgage payments. It also explains how home insurance premiums are determined based on factors like replacement cost, location, coverage, and deductible. Tables are provided as examples to demonstrate how to calculate insurance premiums for tenants and homeowners. The document also discusses how property taxes are used by municipalities to fund services and provides an example of a property tax statement.
Cindee Stone has over 15 years of experience helping people achieve homeownership through her mortgage lending expertise. She founded People Want Info to educate homebuyers on the loan process and stresses the importance of pre-approval to feel comfortable throughout the process. With her positive attitude and focus on clients, Cindee has achieved success in the mortgage industry by ensuring the best outcomes for each individual borrower.
This document provides information about using a mortgage broker for home financing. It outlines three key reasons for using a broker: they have access to multiple lenders and products, they stay up-to-date on financing options, and they can help those with unique circumstances like self-employment. The document promotes using a broker from Neighbourhood Dominion Lending Centres who can find the best mortgage rate and terms.
The document discusses the UK government's Help to Buy Equity Loan scheme, which provides a 20% equity loan to help first-time buyers purchase a new-build home priced up to £600,000. It notes that with the loan, buyers only need a 75% mortgage rather than a 95% one, resulting in lower monthly payments and potentially interest rates. However, it cautions that the 20% government loan must be paid back with interest after 5 years and recommends seeking independent mortgage advice.
Jeff Edmisten and Ruthie Buck thank buyers for reviewing their homebuyer guide. Their mission is to connect buyers with the best home deals and provide uncompromising commitment to exceptional service. They help buyers search for homes, write offers, and guide them through the entire purchasing process. Their client testimonial praises how they went above and beyond to help secure a home across state lines. The guide provides tips on estimating home buying power from rent, benefits of ownership, choosing a lender and mortgage, the home buying process, and more.
The Drop in Mortgage Rates Brings Good News for Homebuyers.pptxanyproperty forcash
Lower interest rates mean lower monthly mortgage payments and a shorter time until the home pays for itself for buyers. Rates recently dropped from 4% to 3.5%, meaning a £250,000 mortgage would have a smaller monthly payment. While this is a good time for buyers to get a reasonable rate, buyers should still be patient and shop around since not all lenders have adjusted their rates yet.
Similar to Cost of a mortgage ££££ template generic towns (1) (20)
What is an RPA CoE? Session 1 – CoE VisionDianaGray10
In the first session, we will review the organization's vision and how this has an impact on the COE Structure.
Topics covered:
• The role of a steering committee
• How do the organization’s priorities determine CoE Structure?
Speaker:
Chris Bolin, Senior Intelligent Automation Architect Anika Systems
AppSec PNW: Android and iOS Application Security with MobSFAjin Abraham
Mobile Security Framework - MobSF is a free and open source automated mobile application security testing environment designed to help security engineers, researchers, developers, and penetration testers to identify security vulnerabilities, malicious behaviours and privacy concerns in mobile applications using static and dynamic analysis. It supports all the popular mobile application binaries and source code formats built for Android and iOS devices. In addition to automated security assessment, it also offers an interactive testing environment to build and execute scenario based test/fuzz cases against the application.
This talk covers:
Using MobSF for static analysis of mobile applications.
Interactive dynamic security assessment of Android and iOS applications.
Solving Mobile app CTF challenges.
Reverse engineering and runtime analysis of Mobile malware.
How to shift left and integrate MobSF/mobsfscan SAST and DAST in your build pipeline.
5th LF Energy Power Grid Model Meet-up SlidesDanBrown980551
5th Power Grid Model Meet-up
It is with great pleasure that we extend to you an invitation to the 5th Power Grid Model Meet-up, scheduled for 6th June 2024. This event will adopt a hybrid format, allowing participants to join us either through an online Mircosoft Teams session or in person at TU/e located at Den Dolech 2, Eindhoven, Netherlands. The meet-up will be hosted by Eindhoven University of Technology (TU/e), a research university specializing in engineering science & technology.
Power Grid Model
The global energy transition is placing new and unprecedented demands on Distribution System Operators (DSOs). Alongside upgrades to grid capacity, processes such as digitization, capacity optimization, and congestion management are becoming vital for delivering reliable services.
Power Grid Model is an open source project from Linux Foundation Energy and provides a calculation engine that is increasingly essential for DSOs. It offers a standards-based foundation enabling real-time power systems analysis, simulations of electrical power grids, and sophisticated what-if analysis. In addition, it enables in-depth studies and analysis of the electrical power grid’s behavior and performance. This comprehensive model incorporates essential factors such as power generation capacity, electrical losses, voltage levels, power flows, and system stability.
Power Grid Model is currently being applied in a wide variety of use cases, including grid planning, expansion, reliability, and congestion studies. It can also help in analyzing the impact of renewable energy integration, assessing the effects of disturbances or faults, and developing strategies for grid control and optimization.
What to expect
For the upcoming meetup we are organizing, we have an exciting lineup of activities planned:
-Insightful presentations covering two practical applications of the Power Grid Model.
-An update on the latest advancements in Power Grid -Model technology during the first and second quarters of 2024.
-An interactive brainstorming session to discuss and propose new feature requests.
-An opportunity to connect with fellow Power Grid Model enthusiasts and users.
Monitoring and Managing Anomaly Detection on OpenShift.pdfTosin Akinosho
Monitoring and Managing Anomaly Detection on OpenShift
Overview
Dive into the world of anomaly detection on edge devices with our comprehensive hands-on tutorial. This SlideShare presentation will guide you through the entire process, from data collection and model training to edge deployment and real-time monitoring. Perfect for those looking to implement robust anomaly detection systems on resource-constrained IoT/edge devices.
Key Topics Covered
1. Introduction to Anomaly Detection
- Understand the fundamentals of anomaly detection and its importance in identifying unusual behavior or failures in systems.
2. Understanding Edge (IoT)
- Learn about edge computing and IoT, and how they enable real-time data processing and decision-making at the source.
3. What is ArgoCD?
- Discover ArgoCD, a declarative, GitOps continuous delivery tool for Kubernetes, and its role in deploying applications on edge devices.
4. Deployment Using ArgoCD for Edge Devices
- Step-by-step guide on deploying anomaly detection models on edge devices using ArgoCD.
5. Introduction to Apache Kafka and S3
- Explore Apache Kafka for real-time data streaming and Amazon S3 for scalable storage solutions.
6. Viewing Kafka Messages in the Data Lake
- Learn how to view and analyze Kafka messages stored in a data lake for better insights.
7. What is Prometheus?
- Get to know Prometheus, an open-source monitoring and alerting toolkit, and its application in monitoring edge devices.
8. Monitoring Application Metrics with Prometheus
- Detailed instructions on setting up Prometheus to monitor the performance and health of your anomaly detection system.
9. What is Camel K?
- Introduction to Camel K, a lightweight integration framework built on Apache Camel, designed for Kubernetes.
10. Configuring Camel K Integrations for Data Pipelines
- Learn how to configure Camel K for seamless data pipeline integrations in your anomaly detection workflow.
11. What is a Jupyter Notebook?
- Overview of Jupyter Notebooks, an open-source web application for creating and sharing documents with live code, equations, visualizations, and narrative text.
12. Jupyter Notebooks with Code Examples
- Hands-on examples and code snippets in Jupyter Notebooks to help you implement and test anomaly detection models.
Taking AI to the Next Level in Manufacturing.pdfssuserfac0301
Read Taking AI to the Next Level in Manufacturing to gain insights on AI adoption in the manufacturing industry, such as:
1. How quickly AI is being implemented in manufacturing.
2. Which barriers stand in the way of AI adoption.
3. How data quality and governance form the backbone of AI.
4. Organizational processes and structures that may inhibit effective AI adoption.
6. Ideas and approaches to help build your organization's AI strategy.
Have you ever been confused by the myriad of choices offered by AWS for hosting a website or an API?
Lambda, Elastic Beanstalk, Lightsail, Amplify, S3 (and more!) can each host websites + APIs. But which one should we choose?
Which one is cheapest? Which one is fastest? Which one will scale to meet our needs?
Join me in this session as we dive into each AWS hosting service to determine which one is best for your scenario and explain why!
Digital Banking in the Cloud: How Citizens Bank Unlocked Their MainframePrecisely
Inconsistent user experience and siloed data, high costs, and changing customer expectations – Citizens Bank was experiencing these challenges while it was attempting to deliver a superior digital banking experience for its clients. Its core banking applications run on the mainframe and Citizens was using legacy utilities to get the critical mainframe data to feed customer-facing channels, like call centers, web, and mobile. Ultimately, this led to higher operating costs (MIPS), delayed response times, and longer time to market.
Ever-changing customer expectations demand more modern digital experiences, and the bank needed to find a solution that could provide real-time data to its customer channels with low latency and operating costs. Join this session to learn how Citizens is leveraging Precisely to replicate mainframe data to its customer channels and deliver on their “modern digital bank” experiences.
How information systems are built or acquired puts information, which is what they should be about, in a secondary place. Our language adapted accordingly, and we no longer talk about information systems but applications. Applications evolved in a way to break data into diverse fragments, tightly coupled with applications and expensive to integrate. The result is technical debt, which is re-paid by taking even bigger "loans", resulting in an ever-increasing technical debt. Software engineering and procurement practices work in sync with market forces to maintain this trend. This talk demonstrates how natural this situation is. The question is: can something be done to reverse the trend?
HCL Notes and Domino License Cost Reduction in the World of DLAUpanagenda
Webinar Recording: https://www.panagenda.com/webinars/hcl-notes-and-domino-license-cost-reduction-in-the-world-of-dlau/
The introduction of DLAU and the CCB & CCX licensing model caused quite a stir in the HCL community. As a Notes and Domino customer, you may have faced challenges with unexpected user counts and license costs. You probably have questions on how this new licensing approach works and how to benefit from it. Most importantly, you likely have budget constraints and want to save money where possible. Don’t worry, we can help with all of this!
We’ll show you how to fix common misconfigurations that cause higher-than-expected user counts, and how to identify accounts which you can deactivate to save money. There are also frequent patterns that can cause unnecessary cost, like using a person document instead of a mail-in for shared mailboxes. We’ll provide examples and solutions for those as well. And naturally we’ll explain the new licensing model.
Join HCL Ambassador Marc Thomas in this webinar with a special guest appearance from Franz Walder. It will give you the tools and know-how to stay on top of what is going on with Domino licensing. You will be able lower your cost through an optimized configuration and keep it low going forward.
These topics will be covered
- Reducing license cost by finding and fixing misconfigurations and superfluous accounts
- How do CCB and CCX licenses really work?
- Understanding the DLAU tool and how to best utilize it
- Tips for common problem areas, like team mailboxes, functional/test users, etc
- Practical examples and best practices to implement right away
Connector Corner: Seamlessly power UiPath Apps, GenAI with prebuilt connectorsDianaGray10
Join us to learn how UiPath Apps can directly and easily interact with prebuilt connectors via Integration Service--including Salesforce, ServiceNow, Open GenAI, and more.
The best part is you can achieve this without building a custom workflow! Say goodbye to the hassle of using separate automations to call APIs. By seamlessly integrating within App Studio, you can now easily streamline your workflow, while gaining direct access to our Connector Catalog of popular applications.
We’ll discuss and demo the benefits of UiPath Apps and connectors including:
Creating a compelling user experience for any software, without the limitations of APIs.
Accelerating the app creation process, saving time and effort
Enjoying high-performance CRUD (create, read, update, delete) operations, for
seamless data management.
Speakers:
Russell Alfeche, Technology Leader, RPA at qBotic and UiPath MVP
Charlie Greenberg, host
The Microsoft 365 Migration Tutorial For Beginner.pptxoperationspcvita
This presentation will help you understand the power of Microsoft 365. However, we have mentioned every productivity app included in Office 365. Additionally, we have suggested the migration situation related to Office 365 and how we can help you.
You can also read: https://www.systoolsgroup.com/updates/office-365-tenant-to-tenant-migration-step-by-step-complete-guide/
In the realm of cybersecurity, offensive security practices act as a critical shield. By simulating real-world attacks in a controlled environment, these techniques expose vulnerabilities before malicious actors can exploit them. This proactive approach allows manufacturers to identify and fix weaknesses, significantly enhancing system security.
This presentation delves into the development of a system designed to mimic Galileo's Open Service signal using software-defined radio (SDR) technology. We'll begin with a foundational overview of both Global Navigation Satellite Systems (GNSS) and the intricacies of digital signal processing.
The presentation culminates in a live demonstration. We'll showcase the manipulation of Galileo's Open Service pilot signal, simulating an attack on various software and hardware systems. This practical demonstration serves to highlight the potential consequences of unaddressed vulnerabilities, emphasizing the importance of offensive security practices in safeguarding critical infrastructure.
For the full video of this presentation, please visit: https://www.edge-ai-vision.com/2024/06/temporal-event-neural-networks-a-more-efficient-alternative-to-the-transformer-a-presentation-from-brainchip/
Chris Jones, Director of Product Management at BrainChip , presents the “Temporal Event Neural Networks: A More Efficient Alternative to the Transformer” tutorial at the May 2024 Embedded Vision Summit.
The expansion of AI services necessitates enhanced computational capabilities on edge devices. Temporal Event Neural Networks (TENNs), developed by BrainChip, represent a novel and highly efficient state-space network. TENNs demonstrate exceptional proficiency in handling multi-dimensional streaming data, facilitating advancements in object detection, action recognition, speech enhancement and language model/sequence generation. Through the utilization of polynomial-based continuous convolutions, TENNs streamline models, expedite training processes and significantly diminish memory requirements, achieving notable reductions of up to 50x in parameters and 5,000x in energy consumption compared to prevailing methodologies like transformers.
Integration with BrainChip’s Akida neuromorphic hardware IP further enhances TENNs’ capabilities, enabling the realization of highly capable, portable and passively cooled edge devices. This presentation delves into the technical innovations underlying TENNs, presents real-world benchmarks, and elucidates how this cutting-edge approach is positioned to revolutionize edge AI across diverse applications.
zkStudyClub - LatticeFold: A Lattice-based Folding Scheme and its Application...Alex Pruden
Folding is a recent technique for building efficient recursive SNARKs. Several elegant folding protocols have been proposed, such as Nova, Supernova, Hypernova, Protostar, and others. However, all of them rely on an additively homomorphic commitment scheme based on discrete log, and are therefore not post-quantum secure. In this work we present LatticeFold, the first lattice-based folding protocol based on the Module SIS problem. This folding protocol naturally leads to an efficient recursive lattice-based SNARK and an efficient PCD scheme. LatticeFold supports folding low-degree relations, such as R1CS, as well as high-degree relations, such as CCS. The key challenge is to construct a secure folding protocol that works with the Ajtai commitment scheme. The difficulty, is ensuring that extracted witnesses are low norm through many rounds of folding. We present a novel technique using the sumcheck protocol to ensure that extracted witnesses are always low norm no matter how many rounds of folding are used. Our evaluation of the final proof system suggests that it is as performant as Hypernova, while providing post-quantum security.
Paper Link: https://eprint.iacr.org/2024/257
Your One-Stop Shop for Python Success: Top 10 US Python Development Providersakankshawande
Simplify your search for a reliable Python development partner! This list presents the top 10 trusted US providers offering comprehensive Python development services, ensuring your project's success from conception to completion.
Your One-Stop Shop for Python Success: Top 10 US Python Development Providers
Cost of a mortgage ££££ template generic towns (1)
1. <h1><b>The Costof a £200,000 Mortgage in High Wycombe</b></h1>
Helpingyoufindthe true costof takingon a £200,000 mortgage in High Wycombe
There are manythingsthat can actuallyaffectthe costof a mortgage in HighWycombe.Makingsure
youhave the factsand the informationtoestablishthe costof a mortgage mustbe a priorityfor
anyone whomaybe lookingtotake on a mortgage forthe firsttime,maybe you’re lookingtomove
home or maybe remortgage in HighWycombe.
<h2><b>The costof a £200,000 mortgage in HighWycombe if you’re takingone onfor the first
time.</b></h2>
If you’re consideringpurchasingyourfirsthome itcan be overwhelmingbutexcitingatthe same
time,youmustappreciate thatwhatyou’re aboutto step intois a huge financial commitment.We
have compiledalistof the mainexpensesyoucouldexpecttopayas a first-timebuyerin High
Wycombe.Hopefullythiswill gosomewayintopreparingyouforthe purchasingof yourfirsthome.
<h2><b>How muchgenerallywillafirst-timebuyerneedtoputdownasa deposittakinga £200,000
mortgage in High Wycombe?</b></h2>
In manycasesif you’re lookingtotake one of the firsttime buyermortgagesyoucan expecttoputa
depositinsomewhere between5%and25% of the purchase price of the property.Most of the
researchwe carriedout,suggestedthatfirsttime buyerswouldstruggle toputmore than10% down
as a deposit.The depositwouldusuallybe made upfromsavingsor giftsfromfamilymembers.
The average price of a UK home was at around£232,944 (accordingto Land Registryfiguresfor
October2019), thismeansyouneedto have a depositof more than£23,000 if youwant to buywith
a depositof 10%, thismeansthat youwill be applyingforamortgage at 90% loanto value.If you
were able tohave a biggerdeposit,thiswill generallymeanthereislessrisktothe lenderand
ultimatelythe lendermaythenbe able toofferyoubettertermsas a result.Whichsimplymeans
youmay be able to get a betterrate of interestforyourfirsttime buyermortgages.Generally
speaking,if youhadat leasta 25% or evenmore,yourtermsofferedbythe lenderwouldbe much
more appealing.
<h2><b>Things to considerasa first-timebuyerinadditiontothe depositif you’re takinga£200,000
mortgage HighWycombe.</b></h2>
<b>Q. What will the monthlyrepaymentsbe for £200,000<a href="https://imbonline.co.uk/first-
time-buyers-mortgage/">firsttime buyermortgagesin HighWycombe</a>?</b>
A. Itwouldbe determinedbyanumberof otherfactors
<ul>
<li>Howmuch youultimatelyborrow</li>
<li>The term(howlongthe mortgage is takenover)</li>
<li>Whatinterestrate youwill be charged</li>
2. </ul>
It goeswithoutsayingthat,the more youborrow,the more youwill have to payback to the lender.
Althoughyouractual monthlypaymentwillbe lowerif youhave alongermortgage term.However,
if you have a longer-termmortgage thiswill resultinyoupayinginterestonthe debtforlonger,so
whilstthe monthlypaymentsmaybe more attractive,potentiallythe total amountyourepayislikely
to be much higher.
<b>Q. What typesof interestratesare there available in HighWycombe?</b>
A. There are lotsof waysthat a lendermaywantto charge interestagainstyourfirsttime buyer
mortgagesin High Wycombe,theyinclude:
Variable,these interestrate typesare where the lendermayadjustthe rate offeredupordown
accordingto economicclimate suchas changesinthe Bank of England’sbase rate
<ul>
<li>Fixed,thistype of interestrate meansyoulockyourself andthe lenderintoa pre-
determinedrate agreedbybothpartiesat the outset.Thisrate can’t change for a specifiedperiod,
whichmightbe anythingfromtwoto five yearsinmostcases</li>
<li>Capped,simplymeaningarate thatis variable butwill notrise beyondaspecifiedlevel
againagreedat the outset.</li>
<li>Tracker,Thisrate tracks usuallythe Bankof England’sbase rate.Therefore,atracker
mightbe describedas‘base rate + 1%’,whichmeansit will sitatthat level withanextrapercentage
pointon topof the BOE rate.</li>
</ul>
<h2><b>The costof a £200,000 mortgage if you’re lookingtomove home in High
Wycombe</b></h2>
Buyinga home in High Wycombe wouldmostcertainlybe consideredahuge eventinanybody’slife.
Afterall itwill normallytake agoodfewyearsto pay off yournew mortgage maybe evenmore if you
had to lookat bad creditmortgages.There isalsoa lotto understandandthingsyoudon’twantto
forgetinthe buyingprocess.
<strong>You maywant to considerwhenpurchasingyournew home thingslike:</strong>
<ul>
<li>Utilitycosts – are theymore thanwhat youpay now?</li>
<li>Council Tax bandingin HighWycombe – Whichband isthe propertyin?</li>
<li>Internet& broadbandoptions –What isthe connectionlike atthe new home?</li>
3. <li>Whatare the schoolslike?Will mychildrenneedtogoto anotherschool?</li>
<li>Whatare the crime statisticsforthe area</li>
<li>Whatdays wouldthe refuge be collected?</li>
<li>Are youable to transact thisnew mortgage yourself ordoyouneeda mortgage
broker?</li>
<li>Whois the electricityandgassuppliersatthe new home?</li>
<li>Are there anyrecreational areasforme to walkmydog?</li>
<li>Has there beenanytrouble withnuisanceneighbors?</li>
</ul>
The listis almostendless,butthe above isjusta few suggestionsyoumaywantto ask the vendor.
<h2><b>Other costs to be takenintoaccount whenmovinghome in HighWycombe</b></h2>
<strong>Potential upfrontcosts</strong>
<ul>
<li>Stampduty</li>
<li>Valuationsandsurveys</li>
<li>Legal fees</li>
<li>Insurance</li>
<li>Estate agentfees(if you're selling)</li>
<li>Deposit,mortgage costsandmortgage brokerfees</li>
<li>Potential costs onthe dayof the move</li>
<li>Removal company</li>
<li>Temporarystorage</li>
<li>Redirectingyourmain</li>
<li>Move-outclean</li>
<li>Settlingintoyournewhome in HighWycombe</li>
</ul>
<h2><b>The costof a £200,000 mortgage is you’re lookingtoremortgage in High
Wycombe</b></h2>
Whenyoualreadyhave a home that ismortgagedand youare lookingtoswitchyourmortgage deal
for a betterdeal thisiswhatis calledremortgagingandcanhelpyoureduce the cost of your
monthlymortgage payments,butbe careful whenchoosingadeal,youneedtolookat the overall
cost of the newmortgage ratherthan the headline rate alone.If youare inanydoubt,youought to
be speakingwithaspecialistmortgage broker.
4. A goodmortgage brokerwill tendtotake both the rate andany feesintoaccountso that youcan
workout exactlyhowmuchyouwill save bymovingtoa new deal in HighWycombe.Youshouldalso
needtofactor in anyearlyrepaymentchargesorredemptionfeesonyour existingmortgage deal if
you’re lookingtoremortgage before itfinishes.Youmayat the time whenyoutookoutthe initial
mortgage have neededtolookat<a href=" https://imbonline.co.uk/bad-credit-mortgages/">bad
creditmortgages</a>,if thiswasthe case you undoubtedlyneedtodiscussyouroptionswithyour
<a href="https://imbonline.co.uk/">mortgagebroker</a>whenyouare lookingtoremortgage.
<h2><b>Some of the feesthatmaybe applicable whenyoudecide toremortgage in HighWycombe
may include:</b></h2>
<ul>
<li>Remortgage arrangementfees - Lenderswill oftencharge anarrangementfee tosetup
your newmortgage.</li>
<li>Mortgage bookingfees –There may be arrangementfees,some lenderswillalsocharge
a bookingfee whichyoumustpayto secure the remortgage deal youwant.</li>
<li>Remortgage legal fees –These legal feesare the costsyoumustpay a solicitoror
conveyancertocarry out the legal workinorder to transferyourmortgage fromthe oldlenderto
the newone.</li>
<li>Remortgage valuationfees - The new lenderwillneedtocarryout a valuationof your
propertybefore theywillallow youtoremortgage</li>
<li>Mortgage Early RepaymentCharges(ERCs) –Anearlyrepaymentcharge isa fee that you
pay yourexistinglendershouldyouwanttoleave thembefore the existingdeal expires.</li>
<li>Mortgage exitfees –The exitfees,sometimesknownasmortgage completionfees - are
simplyanadministrationcharge,whichsometimeswouldbe imposedbythe existinglenderwhen
youpay off your mortgage withthem.</li>
</ul>
<h2><b>The actual cost of a £200,000 mortgage if youbought in HighWycombe</b></h2>
Many potential buyersjustwanttoknow whatthe potential monthlyrepaymentswouldbe if they
borrowed £200,000.
The amount youwouldpotentiallypayfora£200,000 mortgage takenover25 yearsat an interest
rate of 2% basedupona capital andinterestrate mortgage wouldbe:£846.34
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