![]() Your interest rate is determined mainly by how much of a risk you represent to the loan company. It’s a percentage of the loan amount that accrues over the life of the loan. The interest rate is how a car loan company makes money – think of it as a rental fee you pay for using their money to buy a car. Your auto loan interest rate will have a big impact on your monthly car payment. Simply look up your state’s car sales tax rate and enter it in the field. The car sales tax in your state is a percentage of the vehicle’s price, and the amount is usually added to your auto loan. Car Sales TaxĬar sales tax rates are set by your state, and unlike other parts of a new-car purchase, they aren’t negotiable. Then enter that amount in the trade-in value box. To find out how much to enter in the trade-in section of the calculator, check your trade-in value and subtract the amount you owe on your car loan. This is why it’s important to make as big a down payment as you can when buying a new car – it’ll help you avoid a negative-equity situation like this at trade-in, and you won’t get trapped in a cycle of adding old car debt on to new loans. Negative equity raises the amount you need to borrow and your monthly payment, as your new auto loan has to cover your new car and your old one. That’s because they are going to pay off your full auto loan when they accept your trade, and they’re going to want that money back. The dealer will still take the trade-in, but instead of deducting $5,000 from your new car’s price, they’re going to add $5,000. On the other hand, if you owe $25,000 on that $20,000 trade-in, you have what is called negative equity you owe more than your car is worth. This is especially helpful if you don’t have money saved for a down payment. The dealer buys the car from you and applies $5,000 (the difference between the car’s value and what you owe on it) to your new car’s price. Let’s say you have a trade-in that’s worth $20,000, and you owe $15,000 on it for an existing auto loan. Depending on how much you owe, a trade-in can significantly lower the amount you have to borrow on a car loan and your payments or it can actually raise the amount you’ll need to borrow and the amount you pay every month. When you trade in a car, the dealer buys it from you and applies that amount to the price of your new car. ![]() Trade-in value is how much any vehicle you’re trading in for a new car is worth, minus any money you owe on it. That car payment has to fit in your monthly budget, so let’s get started and figure out just what it’s going to be. With our car payment calculator, you can quickly determine how much you’ll owe the loan company each month. With that in mind, it’s easy to see why your monthly car payment may matter more to you than a car’s MSRP. Interest is what the auto loan company charges you to borrow the money. Once the loan term is up, you’ve paid for the car plus interest. The car loan company pays the dealer a lump sum for the car, and they technically own it while you repay the loan over several years. You can apply for one from a bank, credit union, or other lending institutions – your car dealer can even help you apply. If you’re like most people, you’ll be financing the purchase of your next car or SUV, and that means taking out a car loan.Īuto loans are pretty simple once you break them down. With the average price of a new vehicle sitting above $35,000 and no sign of this number coming down, very few people can afford to pay cash for a new car.
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Many people with celiac disease report no problem with gluten-removed alcohol products, like gluten-removed beers, but we recommend choosing gluten-free seltzers, especially with so many to choose from.ĭid we miss your favorite brand of gluten-free alcoholic seltzer? Share it in the comments below. White Claw - According to the White Claw website, "White Claw Hard Seltzer is made with naturally gluten-free ingredients."Ī number of hard seltzer are crafted to remove gluten. The alcohol (ABV 5%) comes from fermenting all natural cane sugar.” Truly - According to the Truly website, Truly Hard Seltzer "contains no gluten, liquor or spirits. WARNING: Bud Light Seltzer sold in Canada contains malt and is NOT gluten free. These top brands of alcoholic seltzers are gluten-free and safe for people with celiac disease: Each 12-ounce serving of High Noon Peach contains 100 calories, 2.3 grams of carbs, and 2. The key to the answer is to find brands that are naturally fermented, or contain distilled alcohol, and do not include malted barley. High Noon Peach is a vodka-based hard seltzer that’s flavored with real peach fruit juice and sparkling water. In the US the alcohol is usually made by fermenting cane sugar sometimes malted barley is used." According to Wikipedia, "Hard seltzer, spiked seltzer or hard sparkling alcohol water is a type of highball drink containing carbonated water, alcohol, and often fruit flavoring. Specifically, which brands of gluten-free seltzer are gluten-free and safe for people with celiac disease?Īlcoholic seltzers have become extremely popular, and there are literally dozens of brands on the market. One question we see a lot is about alcoholic seltzer. We have a lot of great things on the horizon and we are just getting started.Caption: Image: CC BY-SA 4.0-CharliemarklandĬ - We get a lot of questions from celiac community members wondering if certain products are gluten-free. “Our marketing efforts will be more important than ever to break through with consumers, and we’ve invested more in our marketing budget than we ever have before. “We’ve seen a lot of incredible growth over the last few years and as the category expands and new competitors enter, we think there is a huge opportunity for High Noon to continue to cement its place as the premium option within the segment,” says Lieb. It is providing air cover for it all, with TV ads running on broadcast, streaming platforms and social media, accompanied by out-of-home (OOH) ads, search and public relations efforts. And it’s even got a new swimsuit collaboration with Tropical Bros. It has rolled out its ‘Pool Pack,’ which has new guava and kiwi flavors.īuilding off of the popularity of bigger packaging, it has launched a 700ml resealable can. ![]() Aware of this fact, High Noon is firing up its innovation engine. Much like with hard seltzer, the canned cocktail segment is a flavors game. “Vodka-based, tequila-based, everyone is coming at it because it’s the fastest-growing segment in alcohol.” “All of the larger spirits companies are putting energy behind it ,” says Steinman. That’s why there is an incoming onslaught of competitors including Truly Vodka Seltzer and Anheuser-Busch’s Nütrl Vodka Seltzer. “High Noon continues to grow strong double digits after years of triple digits while hard seltzer is slowing down and declining.” The Gallo-owned beverage has succeeded in convincing its twenty-something target audience to trade up from hard seltzers, according to David Steinman, executive editor, Beer Marketers’ Insights. In the spot ‘May any lake day be a great lake day,’ our narrator’s toast includes: “May you ditch malt-based hard beverages for one with real vodka and real juice.” The brand is also not shy about selling consumers on switching from White Claw and others. Think friend-fueled occasions at a lake, in a hot tub and at a golf course, all while highlighting High Noon as the perfect daytime drink.” “It is about developing a mindset or vibe for the brand that resonates with the audience. The strategy is to encourage our consumers “to live like the sun is always out,” says Brandon Lieb, vice-president of spirit at Gallo. and may the most stellar of days shine upon you.” Preacher is the agency behind the work. May watching all of those barbeque tutorials actually pay off. May everyone respond to your group text – even Derrick, who never has his phone with him. ![]() May you wake up before your alarm clock – all 12 of them. A sage Sam Elliott-style narrator decrees, in a new 60-second spot debuting this summer, “May your day be sunny. In each execution, an optimistic blessing of sorts is bestowed upon the customer. When clumped among hard seltzers (where drinks are malt- or sugar-based), High Noon is neck-and-neck with Topo Chico for fourth place behind White Claw, Truly and Bud Light Seltzer.Īt the core of its marketing is its ‘Sun’s Up’ message. That’s why High Noon has invested “more than ever before” in the brand, which is the fastest-growing in the spirits category. ![]() If you do not want high-end features for your videos such as motion tracking and key framing then you can choose Filmora 9. Which one is better Filmora X or Filmora 9? If we compare the system requirements of Fimora X and Filmora 9 then Filmora X requires a slightly high-end spec to run and work smoothly. 2 GB of GPU VRAM (4 GB for HD and 4K videos).8 GB of RAM (16 GB for HD and 4K videos).Minimum 4 GB of RAM (8 GB for HD and 4K videos).Processor: Intel® i5 or newer CPU, 2GHz+.Here is the system requirements of Filmora X Apart from this there are many different filters and preset available.Īlso Read:- How to make money as a video editor. According to some editors, this feature does not work too smoothly and still needs some improvement but according to me, it has worked very well so far.Īnother very exciting feature that Wondershare has released is color matching, through this feature you can easily match the colors of any two clips just by doing a single click and it works very efficiently. Comparison / By mchandra Filmora Pro vs Filmora X, this article is a comparison of both video editing software. Through motion tracking, it is very easy to track a motion of a moving object in the video. This time wondershare has finally released this keyframing feature in the Filmora X and editors are very happy and pleased with thisĪnother great and perhaps the most exciting feature that wondershare has released this time is Motion Tracking. You can animate captions, graphics, text, etc in your way according to your own style. DaVinci Resolve is a professional video editing software which comes with traditional. It has several video processing features for various users from novice to intermediate. Filmora is an award winning line of web video editing and creation software developed by Wondershare. You can make a static shot look very interesting and dynamic through this key framing feature. I recommend you to choose from Filmora vs DaVinci Resolve toolsets. Let’s discuss them one by one.Īll video editors love keyframing because through keyframing many custom animations and effects can be created that actually look very professional. ![]() In the latest brand new version, Filmora X wondershare introduced three hot features that users were demanding for a very long time, and this time wondershare has introduced them finally. ![]() So if you are in the mood to play a Sega Genesis game, you can’t use that Sega Genesis emulator you used to play an NES title. Most emulators only work with one kind of game ROM. The more you know about the emulator you’re about to use, the happier you’ll be. That being the case, you should always read about an emulator’s terms of service and basic instructions before you decide to download and use them. Plus, that method ensures you won’t have to worry about downloading a ROM infected with malware from a shady website.įurthermore, please note that every emulator functions differently. If you plan on using any of the programs listed in this article, doing things the legal way will save you a ton of headaches down the line. The only legal way to acquire game ROMs is to extract them from game cartridges you already own using specialized tools such as the INLretro Dumper-Programmer. That being the case, here are the best emulators for anyone in the mood for some NES games. Even those trying to emulate titles as “simple” as some of the best NES games may find that there’s a pretty drastic difference between a good NES emulator and one that only technically works. Some are simple so anyone with a modicum of computer knowledge can play, while others are created with techies in mind and can be modded to hell and back.īecause of those differing design philosophies, some emulators are better than others. ![]() ![]() In fact, some emulators are designed with different users in mind. If you don’t have the correct emulator, you can’t play certain ROMs. However, since different ROMs were designed for different hardware, there’s no such thing as a one-size-fits-all emulator. These applications, colloquially known as emulators, trick game ROMs to function as normal. Instead of trying to brute force retro games to play on modern hardware, coders develop programs that simulate the conditions provided by older platforms. Other platforms simply offer an incredibly limited selection of retro games. However, for all of their hardware might, those systems have a tough time running games designed for older platforms. Lightning-fast SSDs and high-end GPUs capable of ray tracing power help power the latest gaming consoles and PCs. Modern gaming hardware is extremely powerful. ![]() There's no doubt the digital frame looks impressive when you get it out of the box. The frame comes in three colours - white chalk, charcoal, and limited edition mat (a dark slate colour), and has a large display size of 10.1 inches, which is Full HD 1920 x 1200. We tested out the Aura Carver frame, a WiFi-connected digital photo frame that allows you to quickly share photos straight from your phone using the Aura app. Aura Carver smart digital picture frame, £129 from Amazon – buy here.We Tested: Aura Carver Smart Digital Photo Frame Overall, we would definitely recommend the Nixplay frame, and a few of our family members will be finding these under their trees this Christmas. Rather than simply looking at photos on smartphones, you can invite friends and family via a link in the app, and they can create a Nixplay account and upload pictures to be displayed on your (or their) frame to be enjoyed on a larger screen. However, one of the key features which we believe set this frame apart, and may also make it an ideal gift, is the ability to share photos with friends and family via their frame. With the frame being quite expensive, we probably won't be replacing every frame in the house with one of these. Uploading photos is very simple (although we found it took a few minutes over Wi-Fi) and you have the option to store them in different albums once uploaded.Īlbums can also be imported directly from Google which can save time if your pictures are already well organised but if not, photos can be easily selected from the gallery on your smartphone. The frame’s integrated storage is vast allowing a few hundred pictures to be saved on the frame at a time. ![]() This is a function we didn't use, although we struggled to see the appeal of it, as it probably wouldn't be something we would normally look for in a photo frame. The frame has built-in speakers for videos with sound, and the volume can also be adjusted with the remote control. Handy other features include the option to add a clock display, show captions on your photos and a remote control enabling you to click through the photos more quickly or to switch the album being shown. ![]() We also had it set to sleep at certain times of the day, such as when we weren't home or were watching a movie. Our favourite feature was the frame’s motion sensor that allows the screen to go into standby and recommence photo display when it detects motion. We preferred a relatively quick turnover of photos, as we found it entertaining to watch new photos appear on the screen. With the easy-to-use Nixplay app, you can set your photos to stay from anywhere between 5 seconds to a few minutes. We switched between these regularly and loved that there was a different photo on display each time we looked at the frame. The screen itself has a very clear display with no glare and pictures can come onto the screen with a range of PowerPoint type movements. It comes in a few different colours and designs, too. Its simple, stylish design means it doesn’t look out of place next to other photo frames and would suit any modern home decor. We tested out the W10F frame (10.1 inch with Wi-Fi) and were suitably impressed. You don't even need to narrow down your choice of photos - you can now show them all. If like us you never quite fulfil the intention of printing and displaying photos in your home, the Nixplay photo frame could be the solution. Nixplay W10F Smart 10.1 inch photo frame, £149.99 from Amazon – buy here.11 Nixplay has several digital photo frame models to choose from. ![]() The lineup here is completed with the Kia Stinger, Cadenza, and K900. It also packs a powerful engine and new safety features. This is a replacement for the Kia Optima, and it has an affordable price. ![]() If you are looking for more premium models, then the Kia K5 will be right up your alley. These are perfect for people on a budget but don't want to skimp on all the little extras you would expect from a modern vehicle. Both of these vehicles offer a high-tech entry into the market. It all begins with the Kia Rio and Forte. They offer a breathtaking lineup in Sacramento, and you will be happy with the vehicle model you choose. When it comes to sedans, Kia is one of the first manufacturers you need to look towards. These are full-size SUVs, and they compare to GMC models of the same class. These are the crossovers, and there are many more from the Kia Niro to the Kia Telluride. It has all the modern conveniences you require, but it doesn't have that price tag to make you second guess yourself. It is the most premium vehicles you can get, and it is a full-size SUV. The premium model in this category is the Kia Sportage. The biggest thing you can do is compare your options near Stockton, so you can find a solution that works for you. This vehicle is also an affordable option, as you get a great entry into the marketplace. You will feel like you are driving a sedan, but it has all the room you need to go off the beaten path. It is an SUV that packs a lot of sporty features and infotainment. The first vehicle we need to get into is the Kia Soul. There should be something worth your while, as Kia is now considered a reputable brand that can compete with the likes of Honda and Toyota. There will help you find the right Kia vehicle for your specific needs around town. Our new inventory is one-of-a-kind, and it is a special lineup of the various models on offer. You need to know about these vehicles because the performance you get can vary, depending on the configuration you go for. Their entire lineup is made for thrilling and exciting, and you will love driving these vehicles in Elk Grove. As always, we look forward to meeting our Elk Grove and Lathrop drivers soon.Kia has made waves in recent years with its accessible lineup of sedans, SUVs, and electric vehicles. Please feel free to contact us either over the phone or online. When you're ready to get started, we're here to assist you throughout your new vehicle purchase. Visit Lodi Toyota for the Latest New Car Special OffersĪs you may know, Lodi Toyota takes provide in providing our clients with a wide selection of new Toyota models including the Camry, Corolla, RAV4, and more. No matter your previous credit history, we encourage you to apply so that we can discuss your options. Our finance professionals have helped our customers all over the Lodi area get approved for auto loans for years. If you have questions about financing or leasing near Sacramento, our team is here to help you every step of the way. If you would prefer to come in and test drive some of your favorite modes, make your way down to Lodi Toyota located at 1020 S. ![]() We are always updating our new Toyota inventory. And if for some reason we do not, be sure to check our new vehicles specials page regularly. Whether you are interested in financing or leasing a Toyota, we are bound to have a special offer that will catch your eye. Lodi Toyota is proud to provide our Elk Grove and Lathrop drivers with a wide selection of new vehicle specials. View Our New Toyota Lease and Finance Offers for Elk Grove, CA Drivers ![]() Q: When I log into the iLok License Manager, my iLok says it is not owned. If this sticker is not the serial#, then the form should tell me where I can find it. I have checked it a dozen times, it is correct. Firstly the matter of how it would appear in the iLok License Manager software When any user isn’t logged in, an iLok2 will show the licenses that are on it.Īssuming I have to register my iRig before I can access a manual, every time I enter the serial number from the sticker on the bottom of the keyboard, the form tells me the serial number is incorrect. Following our discussion on, Andrew Kirk from iLok, reached out to us to explain what the situation is with the buyer’s iLok in this scenario. For earlier versions of Pro Tools HD, you may need to download the appropriate installer to get the HD features. Note: The Pro Tools 11 installer is the same for Vanilla and HD, so you shouldn’t need to re-install the software. The Buyer plugs the new iLok into their system and can benefit from all the Pro Tools HD features. Once the Buyer has paid the Seller the agreed sum, the Seller sends the iLok with the PTHD license on it to the Buyer. The only way to remove an iLok from an account now is if it has no licenses on it, which defeats the object of buying and selling a Pro Tools HD license. The Ilok With Serial Number Is Not Registered To You Check.The Ilok With Serial Number Is Not Registered To You Call.Note: It is no longer possible to unlink an iLok from an account, so this new iLok will stay registered to the Seller. The Seller links the new iLok to their iLok account and transfers the Pro Tools HD license onto the new iLok. The Seller buys an empty iLok (if it is a PT11HD license, it will need to be an iLok2, but earlier versions are OK on an iLok1). ![]() You can still buy a surplus Pro Tools HD license and this is how. In the podcast, we also discussed how the new iLok would show up on the buyer’s iLok License Manager. We talked about how it was possible to buy the license secondhand, but that the seller would need to put it on an iLok and send the buyer the iLok, as Avid have now blocked transferring Pro Tools HD licenses from one iLok account to another. Following a question in from Michael Lux asking how to get a copy of the Pro Tools 11HD software because he wanted the Surround features now only available in Pro Tools HD. These cookies ensure basic functionalities and security features of the website, anonymously. Necessary cookies are absolutely essential for the website to function properly. ![]() More information regarding our delivery services can be found here. Once you’ve made your choice you can either collect your chosen tiles from one of our South East tile & bathroom stores, or have them delivered directly to your home (UK mainland only). To help you decide which tiles to use for your project, we can send up to four samples – completely free of charge. This style of exterior tile is extremely durable and will introduce a very chic element to your patio. Why not design your own unique pattern or even add an exotic feel with Moroccan inspired outdoor tiles?įor those looking to add tiles to their decking, a wood effect could be the ideal solution. You could consider revamping your garden by using patterned tiles for your patio or path. They’re also very durable and simple to maintain and clean, ensuring that they’ll look great for years – an excellent long-term investment! Exterior tile design ideasĪdding outdoor tiles to your garden can allow some extra fun to be added to the space, if your garden is a bit of a sun trap, you could consider implementing brightly coloured garden tiles in order to accentuate the openness of your outdoor space. They’re particularly resistant to temperature fluctuations and their non-porous quality means that they have a particularly low absorption rate – so they won’t take on water and crack or warp when the temperature reaches freezing. Porcelain tiles are well-suited for outdoor use because of the numerous advantages they provide. Our top pick for outdoor floor tiles Outdoor porcelain tiles When choosing your grout colour we would suggest going for a darker shade as this will help to disguise any dirt or marks that may become visible over time. Sealing also helps protect the tiles from staining and discolouring, and assists with cleaning and stops dirt ingraining onto the surface. This helps to protect the tile and make it easier to clean. We always recommend sealing natural stone tiles when they are installed. Opting for tiles with a brushed, sandblasted or tumbled finish as opposed to gloss also helps to add a degree of slip resistance – which is especially important if you intend to use swimming pool tiles. As well as being visually stunning, natural stone tiles offer many benefits and are highly durable, low maintenance and hard wearing. Natural stone tiles can be made from a range of materials – from granite and marble to limestone and slate. Our top pick for outdoor wall tiles Natural stone tiles We stock tiles in the following finishes: Once you’ve decided on your preferred tile material you can focus on choosing a finish. We stock a huge range of tiles in a variety of materials, some more suited for use outdoors than others. ‘ Ultimate Guide to Outdoor Tiles‘, which also includes some handy information on the most suitable adhesives and grouts for tiling outdoor areas, as well as a ‘how to tile’ section. To help you make the choice we put together our ![]() There are so many options – wood effect tiles provide a durable alternative to real timber, anti-slip tiles create a safe and slip resistant surface in the (likely) event of rain here in the UK and textured tiles can add an extra dimension to your outdoor area. ![]() So how do you go about choosing the right outdoor tiles for your project? Will you choose concrete effect or stone effect tiles? Or perhaps opt for slate effect or split face tiles? Whether you’re intending to use outdoor floor tiles or outdoor wall tiles (or a combination of both) it’s important to make the right choice. How to choose tiles for your outdoor space Outside tiles aren’t necessarily just for external use either – you can create a stunning indoor / outdoor flow by using matching kitchen tiles or living room tiles both inside and outside. Incorporating outdoor tiles into your garden, patio or balcony area is an effective and affordable way to add your personal style to any outdoor space. The Ecliptic or Ecliptic Plane, to give it its full name is the solar equivalent of the Equator. The closest star to the ecliptic, by my calculations, is HIP 116914. I just have not got around to updating them. Some stars on this site do have missing coordinates. Every star, including those too faint to see, will have a declination value so that it can be located by telescope. Declination is measured in degrees which are broken down into subparts. The higher the number, the closer it is to the north and the Pole Star (Polaris). Another way of looking at Declination is to say it is the astronomical version of Latitude. They would be able to see Polar Australis. Someone in Sydney would not be able to see Polaris because it is too far north. It is the opposite of being in the southern hemisphere, and you would be able to see the stars with a negative declination but find it harder to see high-valued declination values. The more negative a number is, the more southerly it is and the harder for someone in Oslo to see. In Oslo for example, you can still see Rigel which has a declination value of -08° 12' 05.9 , It doesn't mean that if you're in the northern hemisphere, you won't be able to see anything with a negative declination. A negative number refers to the star or object in the southern "hemisphere". ![]() A positive number means that the star is in the northern half of the hemisphere. ![]() What is Declination?ĭeclination is the position of the star to the ecliptic. They are used to locate a star in the night sky. This page will help you understand what they are. These are on nearly every star and deep space object page on my site, such as on Sirius and Capella. ![]() You've probably seen Declination and Right Ascension mentioned when talking about stars. |
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