Good morning this is Marianne and I'm with real pro innovations I'm going to update my FHA financing and buyers cost video so we have the most current information and the most current ideas on how to use it to benefit your clients this is a real pro for windows program and of course it does every other kind of loan FHA VA conventional buyers and sellers cost but today's sample is going to be about the FHA so we're going to click on financing I'm going to go to FHA and put in our sales price let's say this example is going to be 260,000 it's not a 203k but you can do a 203k loan with this that'll be another video and let's say today's interest rate is five and a half in which I'm showing right here the down payment is 3.5 and that's 90 100 bringing you to the first trust deed right here of to 5,900 all FHA loans have MIP and that's based on 1.75 so all no matter what the loan-to-value is all FHA loans have up front MIP added to the loan taking you to the first trust deed the total first trust deed which is 255 to 90 the payment at five and a half percent you can see right here is 14 49 51 in this market people kind of get hung up on interest rates I don't you know that used to be five percent now it's five and a half i wish i would have bought back then or i'm afraid it's going to go to 5.75 in order to very quickly and easily show your client that the difference between the payments is not that great is to simply change the interest rate we go back here make it five point two five remember are at five and a half it's 1449 at 5.25 we have 14 09 that's a difference of forty dollars a month so when you have a client who is on the fence and really concerned about the interest rate you can show them right on the screen or write on the paper that the difference isn't that much is it really worth losing the house over forty dollars a month if it if it is then maybe we need to look at a different house the same with going with the interest rate higher 5.75 you know you're afraid it might go to 5.75 now that's 1489 81 again forty dollars so it's such a small difference that showing this to your clients is going to really make a difference in them understanding exactly what the numbers mean and why they should buy and buy with you now okay property taxes 1.25 mortgage insurance is point five five now again no matter the loan-to-value you are going to have mortgage insurance if you were to put five percent down your mortgage insurance will automatically change the point 50 that's a little

How many people became atheist to fill the void created by the lack of simple faith in something?

I don't think that anyone becomes an atheist. They merely remove a past belief from their life if they were once religious or they have never been religious to begin with and chose to remain so. It is akin to ceasing to believe in Santa. It doesn't brand us as becoming Santaless for the rest of our lives. We stop believing in Santa because we realise there is no proof of his existence, as much as we may want there to be. I certainly do.It seems that what many religious people fail to understand is that both theists and atheists have a vast array of things and people to have faith in, without mention of the faith in a God. We have faith in our friends and families, in our jobs, mode of transport and in ourselves, to name but a few of many.I think faith is a wonderful thing, including religious faith for those who believe it and find peace or support through it. No decent non-believer would ever ridicule that. But I personally don't feel there is a void to fill as an ex-Catholic. I felt greatly unburdened when I stopped believing unquestioningly and did my own thinking and research. It did not change my morals. If anything it made me take more responsibility for myself and my interaction with the world around me. I, as an atheist, just get on with my life and try to do my best for my family and for others. I don't wear a badge that says "I'm an atheist" and I don't mention it unless questioned. It's a non-issue to me for the most part.Thank you for asking an interesting question that made me think. I appreciate that.

What personality tests are good, free, and on the internet to fill out?

Many free personality assessments are fun, but not really useful. It depends on what you are looking for. If the 'test' provides you with results but no way to use the information (no interpretation of your results, no debrief, no access to a trained consultant) then you have data with potentially no understanding, no context or no way to apply the results. Unless you can find the content and consultant on your own you have to consider what you will do with the results. Finding a 'test' that is based on well known personality constructs and not one that makes up it's own personality factors is generally a better idea. Look for tests that offer you information on how they were created and what they were validated with (if the results are repeatable and how well they measure what they say they are measuring).I use an on-line assessment tool for Jungian Personality type assessment called Typefocus.com - there is a free version and the option for a more detailed paid result. I have used this assessment for 8 years and find it's validity as good as any out there for measuring Jungian personality type (it uses the same jungian functions as the MBTI, against which it has been validated). The reason I use this assessment is that there is also a lot of data related to personality type available in general and many trained interpreters you can tap into once you obtain your results. I have assessed many, many on-line personality assessments over the years and there are a lot that you can have fun with and others you will find more useful.

How can I calculate how many calories I need per day to maintain weight when online calculators vary by more than 500 calories (~2000-~2500)?

Most online calculators, if they are worth their salt, will use one of several standard formulas for calculating your BMR and come very close for the vast majority of persons.Where things can get different is their calculation of your TDEE (total daily energy expenditure), which is generally derived by applying some activity multiplier to your BMR, like 1.1, 1.2, or 1.3…The activity multiplier is an estimate of how much you actually burn every day based on how active you are. The problem is that people easily misinterpret what “sedentary” vs “moderately active” vs “highly active” mean, and most sites don’t do an adequate job of explaining just what qualifies for each. Some sites won’t even bother having you pick a multiplier but simply assign one to you based on the average modern western male or female. They figure it will get you close enough.The upshot is that you’ll get a different answer on very site.That doesn’t make any of them wrong. It just means you have to be more diligent about exactly what your multiplier should be and you should seek a site that gives you a good breakdown… first your BMR, because that will be very close to reality… then whatever TDEE it comes up with… which may not be quite as close to reality.The best equation doesn’t take your age into account but instead works according to your lean body mass (Katch-McArdle). However, this requires knowing for a fact what your percent body-fat is first. Most people don’t really know and will have great trouble knowing. The next best bet is any of the other equations that work according to average population samples by age.Regardless, they will all be fairly close for BMR. You’ll have to figure out your correct multiplier and for most people who aren’t engaging in a lot of daily exercise, it’s likely to be 1.1 or 1.2. Even if you’re weight training 3x a week you’re not going to be above 1.3 unless you’re someone who walks daily, does cardio a few times a week, and is on your feet most of every day.Pick a multiplier and obtain a TDEE that seems reasonable for your activity level. Then try it out for a couple of weeks. Your weight should remain stable. If not, then do something similar to the troubleshooting steps below.If you’re trying to lose weight, you’ll have to take 20% to 25% off the final TDEE. If you’re losing 2lb a week… you’re right at the minimum calories. If you’re losing more, you’re too low. If you’re losing less, you might want to cut more calories to lose faster (or not). In that case, subtract 100 calories from your budget and see what happens for the next two weeks. On the other hand, if your weight is not changing … then you’re obviously too high. That means you overestimated your activity multiplier. Pick the next one or two steps down and try for another two weeks. If your weight is going up, you’ve made a serious error somewhere along the line and it’s likely that you used a site that gave you a final TDEE that you then ALSO applied an activity multiplier to.

How can I find out how many calories I truly need a day, since online calculators are rough estimates?

It’s impossible to know exactly how many calories you “need” on a daily basis as this varies day to day due to a number of factors. Trial and error is one way to go, but again, what may be “enough” calories one day may be too many or not enough the next.If your goal is weight loss, I’d suggest short periods of drastic caloric reduction, followed by “normal” eating. For me, this was 600 calories/day, 3 days in a row, every two weeks. I lost 50 lbs in 6 months. I found it easy, effective, and completely sustainable in the long-term.If your goal is weight gain in the form of muscle mass, don’t make the mistake of over-estimating the number of calories you need. Brian Carroll, author of 10/20/Life and one of the strongest men in the world, only eats 2800 - 3200 calories per day and has a pretty ridiculous strength-training regimen as a professional powerlifter.My advice is to forget about tracking calories on a daily basis and focus on eating healthy, whole foods while listening to your body’s hunger cues. If you have specific goals, find a strategy that works for you and stick with it until you reach them.

How long does it take to build muscle enough for me to fill out my shirts and feel good about myself?

Muscles per se will not make you feel good about yourself. You decide you are worth something, then go to the gym and get buff to feel BETTER about how well you are treating yourself. A minor distinction, but important nonetheless.Muscle growth is determined mainly by three things: genetics, nutrition, and exercise. You can’t help your genetics—if everyone is your family is a rail-thin skinny person, well, you will have a difficult time overcoming that.Nutrition can be changed. Good quality, high protein diets, low in carbohydrates ail help build muscle fastest.Exercising will build you up—best to chat with a trainer at the gym to see what will be best for your body type.Good luck!

How can you estimate [math]\sin x[/math] without a calculator (using a closed-form expression with a good accuracy)?

You can use Bhaskara I's sine approximation formula ([math]7^{th}[/math] century Indian mathematician).The modern formulation of his approximation is:[math]\sin x^\circ={4x(180-x)\over 40500-x(180-x)}[/math][math]\sin x_{rad}={16x(\pi-x)\over 5\pi^2-4x(\pi-x)}[/math]It has less than 0.5% error from 20-160 degrees.It has less than 1% error from 10-20 and 160-170 degrees.It has less than 2% error from 0-10 and 170-180 degrees.Derivation based on elementary geometry (from Wikipedia):Let the circumference of a circle be measured in degrees and let the radius R of the circle be also measured in degrees. Choosing a fixed diameter AB and an arbitrary point P on the circle and dropping the perpendicular PM to AB, we can compute the area of the triangle APB in two ways. Equating the two expressions for the area one gets (1/2) AB × PM = (1/2) AP × BP. This gives:.Letting x be the length of the arc AP, the length of the arc BP is 180 - x. These arcs are much bigger than the respective chords. Hence one gets:.One now seeks two constants α and β such that:It is indeed not possible to obtain such constants. However one may choose values for α and β so that the above expression is valid for two chosen values of the arc length x. Choosing 30° and 90° as these values and solving the resulting equations, one immediately gets Bhaskara I's sine approximation formula.