How are mortgage interest rates calculated?

Iu2019ll dispel a couple of myths first.,The lender does not decide what your rate will be. The odds are extremely high that they will sell your loan on the secondary mortgage market. Fannie Mae and Freddie Mac are the best-known participants, but there are others. Fannie and Freddie buy funded loans from mortgage companies, then pool them into Mor

asian garlic noodles recipe,What are some pictures of your cooked food?

I am a Malaysian student who is currently living in South Korea. These are some of the home-cooked food that I personally really enjoy preparing and eating with my housemate over here.,Malay style fried chicken, sambal (chilli sauce with shrimp paste), cucumber and fried egg with nasi lemak,2. Beef curry noodles with shrimp and coriander leaves (I

What areas in the world teach English in school as a second language?

This information is also valuable for business, or travel purposes, and it tells you which foreign countries have enough people that speak English as a second language that you will be able to communicate, at least with some of the people.,,India: About 232 million people in India speak it, or about 23%. This number is growing all the time, as scho

Why is static friction greater than kinetic friction?

Good question indeed.nThe surface irregularities between two surface interlocks with each other which makes it harder(higher frictional resistance) to overcome it initially, but once the interlocking is broken or overcomes its easier(less frictional resistance) to slide the surfaces.,,nI hope this figure clarifies more, but if you are still in doub

Which are the countries with the fastest fixed internet in the world in 2022?

That is actually an unimportant metric.,What's more important is the number of premises or actually the percentage of all premises that already have or can get gigabit speed with only a phonecall within a countryu2026,10Gbit/s are possible in numerous countries but it does not make any point for most users. And if you can afford it 400Gbit/s or ter

Who were the most brilliant students amongst the Pandavas and the Kauravas, and what subjects and skills were they very excellent at? Could you also suggest examples of their learning skills, practice and special stories of their application?

Everyone had their own skills.,They died fighting for such things like who is most brilliant and still after so many years people are still thinking about the same as who is powerful, brilliant, best, etc.,I guess Balrama was the best who did not choose to participate in war.,Reason : Thr side of Balrama would win so itu2019s better he is out at fi

what are the different types of bread,For those who emigrated out of the former Soviet Union, what struck you most about the similarities and differences of life under capitalismcommunism?

Food! Back in Soviet Union, in 1990 I was 15 years old and was sent to buy bread. I went to 3 different stores in our area and there was none. Then I had to take a tram somewhere and just go into every bread store I'd find on my way, until I finally found a loaf of bread. These were already extreme conditions, but before we didn't have any food var

cream cheese frosting recipe,What are some of your favorite desserts?

Ok here are some of my favorite desserts:,Red velvet:,I really like red velvet because it tastes nice. Also, I like how it has cream cheese frosting that doesnu2019t taste like cheese to me. I donu2019t really know how to explain it though.ud83dude05,Tiramisu:,Thereu2019s something about tiramisu thatu2019s just so mesmerizing to me. The cocoa powd

instruction on how to cook rice,How do you cook rice like an Asian?

Cooking rice was a chore before the electric rice cooker. I had to watch over the wood fire licking the pot of stove-cooked rice - start with a low heat then increase heat, then lower heat again when the liquid inside starts bubbling. Worse - washing the outside of the soot-covered pot and rice encrusted inside was a dreary task. A few decades pass

creamy garlic tuscan salmon,What are Swedish delicacies you can only get in Sweden?

Iu2019ve lived abroad for most of my adult Life, and here are the things I miss the most, and cannot find outside of Sweden.,Fresh, good quality Salmon - outside of Sweden (or the Nordic countries), itu2019s usually frozen, overly salted, bred in fish farms etc. No comparison.,Horseradish! An essential ingredient in Swedish cooking, especially for

night prayer before sleep,Will a single average-sized athletic man armed with a primitive spear and minimal training defeat a lion, tiger, or bear in a fight?

Yes.Most of the large predators are actually very uneasy about fighting humans - because humans are relatively strong and agile, have a nasty punch on their fists and human bite is so filthy that it can easily cause septicemia.,Unless the predator gets to ambush or surprise the man from behind, the odds are strongly on the human side. The spear eve

What are hard skills examples?

Hard skill is the ability that helps you to overcome job-specific problems. This is done with the help of courses, internal training, and on-site learning.There are various important and basic hard skills that are absolutely essential for you to know in todayu2019s competitive market such as:,u00b7 Microsoft Office(Word, PowerPoint, Excel),u00b7 Pr

What is an example of a small food business vision?

I can share ours. "Client Focus's vision is to become the best place in the world to be an employee or a customer.",I am going to assume that you want more than just a statement, so I'll take the liberty of sharing how this came to be.,The thing is, we didn't sit around trying to figure out what our vision statement should be. Instead, it happened