![]() Projected 30-year mortgage rate (by end of 2024)Īt the close of 2023, the average rate on a 30-year fixed-rate mortgage was 6.61%, according to Freddie Mac. Here’s where experts are predicting mortgage rates will land by the end of 2024: Source ![]() The consensus among industry professionals is that mortgage rates will gradually decline across 2024. ![]() How far could mortgage rates drop in 2024? Should those predictions ring true, the question is whether the drop will be enough to shift housing affordability in the right direction. Keeping with many other housing economists, Kushi expects mortgage rates to decline in 2024-but only a modest amount. Homeowners who might have otherwise sold instead stayed put not wanting to lose existing-much-lower-interest rates. And for would-be sellers, they had a lock-in effect. Though a far cry from the double-digit highs of the 1970 and 80s, for hopeful buyers, those rates crushed affordability. Mortgage rates climbed for most of 2023, reaching nearly 8%-a level not seen in two decades. “2024 won’t be just right, but it will be heading in a normalizing direction.” “The pandemic was too hot 2023 was too cold,” says Odeta Kushi, deputy chief economist at First American Financial Corporation, a title insurance and settlement services provider. The bad? They probably won’t drop as much as you’d like. The good? Mortgage rates are expected to drop in the new year. If you’ve been sitting on the housing market sidelines because of sky-high mortgage rates, there’s good and bad news heading into 2024. ![]()
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![]() The 1st house of the birth chart rules your personality and inner sense of individuality. With that said, any planets that are in the 1st house can have a significant impact on the development of our ego and our presence in the world. Our permanent sunglasses so to speak, the ascendant colors everything we put out into the world and everything we take in. This is called our ascendant or rising sign and is the filter through which we live our lives. The zodiac sign that's rising on the Eastern horizon at the exact moment we're born marks where the 1st house of our chart starts. The landscape of our early childhood experiences can also be revealed here, since they tell the story of how others first began to see us. It is the beginning of the birth chart and represents the very essence of who we are as individuals. ![]() What is the 1st House in Astrology? The 1st house rules our sense of self, personality traits, and behavior patterns. Your 1st House of Personality and Self The first house represents your core identity, quirks, and how others see you. ![]() ![]() ![]() Wolf gave a presentation about Stellarium 1.0 (YouTube) at the Siberian Astronomical Forum SibAstro 2022 on September 25th, 2022 Zotti gave a presentation about Virtual Archaeoastronomy with Stellarium (YouTube) for the Society for Cultural Astronomy in the American Southwest (SCAAS) on February 25th, 2023 add your own deep sky objects, landscapes, constellation images, scripts.ability to add new solar system objects from online resources.plugin system adding artifical satellites, ocular simulation, telescope control and more.skinnable landscapes with spheric panorama projection.HTTP interface (web-based control, remote control API).graphical interface and extensive keyboard control.spheric mirror projection for your own low-cost dome.fisheye projection for planetarium domes. ![]() ![]() very realistic atmosphere, sunrise and sunset.images of nebulae (full Messier catalogue).constellations for 40+ different cultures.asterisms and illustrations of the constellations.extra catalogue with more than 1 million deep-sky objects.default catalogue of over 80,000 deep-sky objects.extra catalogues with more than 177 million stars.default catalogue of over 600,000 stars. ![]() ![]() ![]() ![]() ![]() His come-up story reads as if he had a predetermined path to fame and a supernatural gift for realness. All this to say, the Benito effect has captured the ears and hearts of music fans everywhere. With a history-making Coachella headlining set on the horizon, Bad Bunny continues to set the bar for Latin and Spanish-language music. 1 record-breaking album Un Verano Sin Ti.Įl Conejo Malo asserts himself as a global icon, solidifying the spot of Spotify’s most-listened-to artist three years in a row and supporting the Latin music scene, garnering well-deserved recognition and success for the entire genre. Since then, he has released Oasis, his 2019 collab album with J Balvin, YHLQMDLG, Las Que No Iban a Salir, El Último Tour del Mundo, and No. Seriously, if you’re in your villain era, take notes because this is the closest thing to world domination I’ve ever seen.īad Bunny initially gained popularity on SoundCloud while working in a supermarket until he was signed to a label, and had his first runaway success “Soy Peor”, leading him to collaborate with a star-studded lineup, including Drake and Cardi B. Benito Antonio Martinez Ocasio, known by his stage name Bad Bunny, is a Puerto Rican Latin trap and reggaeton artist-as if you don’t already know-who has the globe in a chokehold. Did you know that when you Google Bad Bunny, the first question to populate based on recent searches is “why is Bad Bunny so popular?” To be clear, it’s not a dig, it’s a response to the phenomenon. ![]() ![]() Fortunately, it's all good you are well-loved, Cancer. They either accept you as you are, or they move on. This is your life and you feel as though you no longer wish to play the game of seeking out and getting approval. You are willing to take that chance and show your authentic self to your partner because this is it. It will be during this transit that you feel you have the nerve to lay it all out as it is. During Moon trine Uranus, you are who you are. Gone are the days when you have to wait around to see if you've 'done well,' as you are not interested in being approved of. Cancerīecause Moon trine Uranus is so much about unconventional behavior, you can expect that on January 11, 2024, you can feel free enough to simply be yourself, knowing that you will be accepted as you are by the person you love and trust. ![]() Three zodiac signs who are luckiest in love during the Moon in Capricorn on January 11, 2024: 1. ![]() ![]() The type of injury and hinderances can be related to a multitude of areas, depending on other factors in the birth chart, i.e. Badhaka, the word, literally means “to Obstruct” – where that particular house brings events that are oppressing, harassing, painful, hindering, and causing injury. ![]() Thus for the 12 signs of the zodiac, the badhaka-sthanas are:Īs per the Jaimini principles, badhaka sthana is considered to be the most harmful and difficult. “For all movable signs, the 11th house therefrom is the badhaka sthana, for all fixed signs, the 9th therefrom are their badhakasthana and for all the dual signs, the 7th therefrom are their badhakasthanas.” ![]() Brihat Parashar Hora Shastra (BPHS), the bible of Vedic astrology, defines Badhaka sthana (word “bhava” is also same as “sthana” referred to interchangeably, meaning house) as follows – One such example is the principle of Badhaka-sthana (sthana meaning “houses” causing harm/obstruction, “badhak,” in a birthchart) where there is no consensus and astrologers utilise this rule rather randomly. If we ask two astrologers to analyse the same chart for a known event, we will see two distinct analyses, using different rules, theories, and principles. ![]() In the last couple of decades, we have seen a growing trend to apply Jaimini principles to Parashara dashas, which are planetary periods in one’s life. ![]() ![]() ![]() I can’t help but wonder how much of what she saw in the bird she also saw in herself.Īnother childhood friend of mine had Jupiter at 0 degrees Pisces. Once, seeing a baby bird that had fallen out its nest sent her into a tailspin that lasted for days. The very idea of death or injury seemed to be a surprise to her every time she encountered it, and because of this she had terrible anxiety. She was perpetually shocked by the cruelty of the world. But that Moon was also in the 6th house opposing Mars. She was the very embodiment of optimism, and to her the world was full of beauty. She had a distinctive, bright, colorful sense of style that was completely unrestricted any social norms. One of my best friends growing up had the Moon at 0 degrees Leo. Like anything in its very first stages of development, there is infinite possibility, but so, so much to learn. But there is also a vulnerability as it encounters new energies for the first time. When a planet is at 0 degrees, there is a sense of the whole world in front of it, ready for exploration. To quote a Smashing Pumpkins lyric, it is, “impatient, in love, and aching to be.” It’s innocent and pure, but also immature and inexperienced. It’s bright eyes, rosy cheeks, and full of wonder. When a planet is at 0 degrees, everything is light, sparkling, and new. Where 29 degrees signals an extinction burst as the energy of the planet finishes its lessons, 0 degrees is a breath of fresh air. Another critical degree in astrology as 0 degrees. ![]() ![]() Please email us at or call us at +1 (844)-731-0808 to give us more details about your repair needs. If your jewelry is in need of repair, you may mail in your repair or come to the store. REPAIRS, WE’RE HERE TO HELP!Īs jewelry lovers we all know how important your jewelry is. Gold pieces can be polished by your local jeweler. Chlorine can damage gold, causing it to pit or become brittle. WHAT TO AVOID?Īpply makeup, perfume and hair spray before putting on jewelry, and do not wear your gold or enameled pieces in a swimming pool. ![]() Apply makeup, perfume and hair spray before putting on jewelry, and do not wear your gold or enameled pieces in a swimming pool. Shine enamel with a microfiber cloth and lukewarm water. If damage occurs, we will gladly repair the piece for you, feel free to email us at or call us at +1 (844)-731-0808. Wrap enamel jewelry in a soft cloth before storing to prevent the glass enamel from sustaining chips or scratches from your other jewelry. ![]() ![]() The biggest danger to enamel is cracking due to the impact of dropping it on hard surfaces. ![]() ![]() ![]() Below is a map of Europe where graticules are visible for every 5 degrees latitude and 10 degrees longitude: Graticules can be used to show location in geographic coordinates Graticules are lines showing parallels of latitude and meridians of longitude for the earth. For example, below is a map depicting a 10,000-meter grid using the Military Grid Reference System (MGRS): There are numerous ways to display measured grids. You can also use grids to display measured locations using projectedĬoordinates on the map. ![]() Here is a map divided into five columns (A through E) and five rows (1 to 5): ![]() Often, the row andĬolumn labels of a reference grid identify locations listed in a For example, you can place a grid that divides a map into a specified number of rowsĪnd columns by choosing the reference grid type. A grid is a network of evenly spaced horizontalĪnd vertical lines used to identify locations on a map. ![]() ![]() ![]() ![]() It’s no secret that good marketing - largely to women, through social media - has been behind the cups’ recent surge in popularity. The Stanley 1913 brand has been around for more than a century, but in recent years the company has expanded its signature line of humble green workaday drinkware into a limitless array of colors, designs and collaborations that are so popular they incite near-violence. Even those fortunate enough to avoid the hype have likely seen enough of these jumbo hydration totems in the wild to grasp the cultural moment that is afoot. On social media, Stanley collectors show off shelves of their rainbow-hued, stainless steel treasures or gush over stickers and silicone doohickies to accessorize their favorite cups. Everyone has seen the videos of people - presumably normal, functional members of society - inciting desperate mosh pits in Target or acting up in Starbucks over limited edition Stanley 1913 cups. ![]() |
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