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Home Equity and Refinancing

Home equity is the ownership value accumulated in a property. A refi involves restructuring a debt, usually to take advantage of lower interest rates.

5,740 Questions

Does dish soap clean pennies?

Yes, dish soap can be effective in cleaning pennies. Soak the pennies in a mixture of dish soap and warm water, then gently scrub them with a soft brush or cloth to remove dirt and grime. Rinse the pennies thoroughly with water and pat them dry to reveal their shine.

What breaks down soap suds?

The breakdown of soap suds is mainly caused by the introduction of oils, grease, or other contaminants that neutralize the soap molecules. This interferes with the surface tension that creates the suds, causing them to disperse and break down. Additionally, agitation or rinsing with water can also help to break down soap suds.

Can you refinance into a different name?

As long as you remain on title and deed, you can put the mortgage note under someone else name and still be considered an owner of the property. In fact a 1% owner of a property can hold a mortgage note legally.

How much does it cost to wire a 3-bedroom house?

In Alabama where I live and work as an electrician for the last 31 years We typically charge by the square ft of heated space. At this writing we're charging $2.65 to $3.00 per square ft. Anything outside heated areas is extra. Example... 1000 square ft. = $2600 labor and material....excluding fixtures If you were going to do it yourself you could get by for about $1500. give or take a few bucks. <><><>

As always, if you are in doubt about what to do, the best advice anyone should give you is to call a licensed electrician to advise what work is needed.

Before you do any work yourself,

on electrical circuits, equipment or appliances,

always use a test meter to ensure the circuit is, in fact, de-energized.

IF YOU ARE NOT ALREADY SURE YOU CAN DO THIS JOB

SAFELY AND COMPETENTLY

REFER THIS WORK TO QUALIFIED PROFESSIONALS.

== ==
The cost of wiring an entire house depends on many factors:

  • Number of fixtures/lights/outlets
  • Size of electrical service
  • Number and size of 240 devices
  • Number of dedicated outlets
  • Special considerations (extra long runs, high priced fixtures)
  • Cost of labor in your region

You should contact a local electrician for pricing and plan to have a set of blueprints along with any special requirements.

Examples of the equity theory?

Hi what are some of the similarities and differences between the Equity theory and Realistic Conflict theory in general and specifically in terms of resources, compensation, competition, etc.? Thank you

What is dish soap?

Dish soap is a cleaning agent specifically formulated for washing dishes. It helps to remove grease, food particles, and dirt from dishes and utensils. It creates suds that help to lift and rinse away the contaminants, leaving dishes clean and ready to use again.

What is the name of that box that stores electricity?

The box that stores electricity is called a battery. It is a device consisting of one or more electrochemical cells with external connections for powering electrical devices.

What is an open system?

In terms of chemistry, an open system is one which exchange both matter and energy with the surroundings. For example a test tube, beaker , flask , etc. All living systems are also open system.

Is the atmosphere an open or closed system?

It depends on who you ask. Biologists will likely answer that the atmosphere is a closed system because it is mostly self-contained. Forces like solar winds, magnetic storms, and electromagnetic radiation, though, constantly bombard, penetrate, and interact with the atmosphere. So it is not, realistically, a closed system.

What is the reaction between alcohol and fire called?

Combustion -- but the reaction is between alcohol and oxygen -- fire is the process or the reaction itself.

Why does whole milk react with hand soap?

Whole milk reacts with hand soap because hand soap typically contains surfactants that lower the surface tension of water, allowing it to penetrate fats and oils. When whole milk, which contains fats, comes into contact with hand soap, the surfactants in the soap help break down the fats in the milk, causing them to separate from the liquid. This is why you may observe some curdling or separation when whole milk and hand soap are mixed.

How do you calculate npv?

NPV Definition

Net Present Value of an investment project is the difference of sum of discounted net cash flows and the initial cash outlay or our initial expense. We discount each of the net cash flows at the discount rate or the cost of capital.

NPV Calculation

Let me illustrate the whole process, say we are making a small investment of $1000 and expect four cash inflows in the amounts of $500, $400, $300 and $100 at the end of each of the next four periods (which may be months, quarters, or years). The cost of capital or our discount rate is 10%

Here is how we discount each of the cash flows

$500/(1+0.10)1 = $500/1.1 = $454.55

$400/(1+0.10)2 = $400/1.21 = $330.58

$300/(1+0.10)3 = $300/1.331 = $225.39

$100/(1+0.10)4 = $100/1.4641 = $68.30

Sum of Discounted Cash Flows = $454.55 + $330.58 + $225.39 + $68.30

Sum of Discounted Cash Flows = $1078.82

NPV = $1078.82 - $1,000

NPV = 78.82

Acceptance Criteria

Since our NPV results in $78.82 which is a positive figure, we will be inclined to invest money in this project.

Just to illustrate when we won't accept the project is illustrated below where we have appreciated the discount rate or our cost of capital to 15%. Let us see what effect the raising of discount rate has on NPV

$500/(1+0.15)1 = $500/1.15 = $434.78

$400/(1+0.15)2 = $400/1.3225 = $302.46

$300/(1+0.15)3 = $300/1.520875 = $197.25

$100/(1+0.15)4 = $100/1.74900625= $57.17

Sum of Discounted Cash Flows = $434.78 + $302.46 + $197.25 + $57.17

Sum of Discounted Cash Flows = $991.66

NPV = $991.66 - $1,000

NPV = -$8.34

It turns out that at the cost of capital of 15% our NPV results in a negative territory thus highlighting that we will lose money if we put our money into this investment

What is the principle behind tissue fixation?

"Fixation" is a process of stabilization important for anatomical study of biological tissue. To achieve this goal, one must arrest the decomposition caused by tissue enzymes and decay; it is usually desirable also to harden the tissue for convenient handling. The two basic approaches involve physical methods (rapid heating or quick-freezing) and/or chemical methods. Nearly all chemical methods were originally developed for the leather tanning industry, which faces similar problems.

The most widely-used chemical fixative is 4% formaldehyde gas dissolved in water or buffer. This (moderately toxic) agent rapidly penetrates tissue and (more slowly) denatures proteins, arresting enzymatic degradation. It also cross-links proteins, leading to tissue hardening. Glutaraldehyde, a di-aldehyde which cross-links very effectively, is often used for electron microscopy. A wide range of other chemical fixatives are sometimes used, including organic chemicals like tannic acid, picric acid, and absolute alcohol, and (highly toxic) inorganic fixatives like potassium dichromate, mercuric chloride, and osmium tetroxide. Their mechanisms of action are poorly-understood, but generally involve denaturation of protein.

Is carbon mined or refined?

Carbon is not mined like other minerals. It is primarily obtained from fossil fuels such as coal, oil, and natural gas through extraction and refining processes. Carbon can also be extracted from biomass sources such as plants and trees through methods like pyrolysis.

How do you get grease out of clothes?

One method to remove grease from clothes is to apply a small amount of dishwashing liquid directly to the stain, then gently work it into the fabric. Let it sit for a few minutes before washing the garment as usual. You may need to repeat the process for stubborn stains.

Why does the heartbeat of mammals's make a sound?

In all mammals, the heart is double pump. Each side of hte heart has an upper and lower chamber. The top chamber are called atriums and lower chamber are called ventricles. A one way flap called a valve connects the upper and lower chambers. when the heart muscle relaxes, blood flows through the open valves from the atriums into the ventricles. when the heart contracts, the flap is closed with a thump. the valve prevents the blood from moving back into the the atrium, and it is forced out of the heart through another opening. The sound from the valves can be heard through the tissues of the body and is often described as a lub-dub sound. I hope this helps everyone my son did this project for his science fair at Pioneer Academy of Science, Clifton NJ . Great project

What is the principle behind microbial calorimetry?

Basically all the reacitons in living systems are thermodynamic. Some of thems are exergonic which liberate heat energy and some are endergonic which utilize heat energy. Same type of reactions utilize or liberate same amount of heat energy. This energy will be constant for a particular reaction. The amount of heat liberated by same type of reactions in any microbial culture will be directly proportional to the number of microbes. So by finding the amount of heat energy produced or utilized by any microbial culture one can estimate the number of microbes present in that culture. This is the principle behind microbial calorimetry. S.Manu. Lecturer, MVJ College of Engineering, Bangalore. The number of microbes may not be accurate but it will be in the range. It depends on different aciviteis of the microbes and the growth phase of the microbes. They liberate different amonut of heat in different phases. So many correction factors are needed to make out correct number of microbes in a culture.

Is it smart to use an electric space heater so you can lower the thermostat of your home's central heat?

An electric heater is a good idea if only one room is heated and the rest of the house can be left cold. However, unattended space heaters cause many home fires. So, I suggest that if you use a space heater you stay with it at all times. Another suggestion is to close off the heat vents to all unused rooms in your house to save on heating costs. The cost per therm for electric heat is much higher than heat from gas or oil, but if you are turning up the heat in the whole house because one or two rooms are chilly, then space heaters can save you money. Similarly, if one or two people in your household are more sensitive to cold than the others, using space heaters in their bedrooms may be the solution you're looking for.

Can spiders be affected by sound vibrations and remotely controlled as in The Last Mimzy?

Spiders can sense and respond to vibrations, but they cannot be remotely controlled or influenced by sound vibrations in the way depicted in the movie "The Last Mimzy." Spiders do not have the cognitive abilities to understand complex commands or communication signals like the creatures in the movie.

What is mean by 2nd pari passu charge?

Parri Passu charge in terms of finance is equal charge on borrower, especially incase of default/bankruptcy Parri Passu charge in terms of finance is equal charge on borrower, especially incase of default/bankruptcy

How much is a solar panel?

The cost of a solar panel can vary based on factors like size, quality, and manufacturer. On average, a typical residential solar panel can cost between $150 to $350 per panel. However, the total cost of a solar panel system will depend on how many panels are needed for your energy requirements.

What is ogopogo and where is its home?

Ogopogo is a legendary lake monster said to inhabit Okanagan Lake in British Columbia, Canada. Described as a large, serpent-like creature, Ogopogo has been a part of Indigenous folklore and local mythology for centuries. Though sightings and stories persist, there is no scientific evidence to support the existence of Ogopogo.

What ways are attitudes acquired?

Attitudes can be acquired through socialization, such as through family, peers, and media influences. They can also be shaped through personal experiences, education, and cultural norms. Additionally, attitudes can develop through cognitive processes like observation, reasoning, and information processing.

What are some catchy titles for a feature article on bullying?

Here are some catchy titles for a feature article on bullying:

stop bulling

if you're getting bullied SPEAK OUT!

don't bully or you'll get bullied

bullying leads to big big troubles

anti bullying

When condensation rates decrease causing fewer clouds to form how might humans change their behavior?

If condensation rates decrease leading to fewer clouds, humans may need to adapt by implementing more sustainable water conservation practices, such as reducing water usage and implementing water-saving technologies. Additionally, there may be a need for increased investments in alternative sources of water, such as desalination or rainwater harvesting, to mitigate the impact of decreased cloud formation on water availability.