Similarly, once you have the video capture feed selected, you can hit “ done.” You’ll notice that the video stream lies on top of the animation overlay. Then, you should see the webcam’s feed pop up just as you saw the overlay animation pop up before adding it to the screen. If you have an existing webcam integrated with OBS Studio, you’ll choose it from the list. The video capture device option will open up a pop-up window to either add a new video capture source or choose from an existing one. To do so, you’ll navigate back to the source section on the screen, click “ add,” and choose the video capture device. Once you’ve got the animation where you want it, you can add your camera feed. Alternatively, if the animation runs over your planned content length, you can leave the option alone.Īfter you click “ done” to import your overlay, you can resize and adjust the graphic as you see fit. From this screen, you can change the overlay to a different file if you chose the wrong file or don’t like how it appears on the screen.ĭepending on how long the file runs, you can continue as is or hit the loop option beneath the preview to keep the animation continuous throughout the content.įor example, if the video file only lasts three seconds to showcase a twinkle light effect, you’ll want to hit the loop option to keep the animation going for the duration of your video. Once you’ve chosen the file, an animation preview will pop up in OBS Studio for you to view how it will look. If you do not have your overlay saved to your computer, you need to do so before adding it to OBS Studio. Then, you can browse for the file on your computer to add. You can name your animated overlay anything you want and click the “ add new source” button below the title. The standard image option will not let you add either of these file types. mp4 files–otherwise known as video files. But, instead of clicking on the image button, you’ll choose a media source.Īdding a media source accommodates animated overlays since they are typically either. The process is similar to adding a static image overlay. By posting to /r/Twitch, you accept these rules and accept that subreddit moderators reserve the right to remove posts at their discretion.Now that you have your desired scene selected, you can navigate to the source section of the screen and choose the “ add source” option.No Memes, Set up, or Art post submissions.Ensure there isn't a megathread for your topic.Don’t post in a language other than English.Don’t post a link post (has exceptions).Don’t post without an informative title.Don’t create a post that’s unrelated to Twitch.Don’t post inquiring on a pending, late, or missing payment.Don’t post inquiring on a partnership application.Don’t post regarding twitch support responses.Don’t post regarding reporting an account.Don’t post regarding an account suspension outside of the permitted Ban Discussion Guidelines.Surveys must follow our Survey Guidelines.Don't post a link to a YouTube video, social media account, blog, or similar website outside the Advertisement Guidelines.Don’t post third party advertisements, without permission.Don't post non-productive complaints about Twitch.No racism, sexism, homophobia, or other hate-based speech.Don't call out others in a negative manner.Don't break Twitch’s ToS or Community Guidelines.Don't encourage others to break the subreddit rules.We encourage folks to use the new Reddit design for the Collections feature that houses our Events & Archives.
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Most of us will not have so much idle funds to do a scenario C where one could effectively pay down the loan in full. But many would have some kind of rainy-day funds in cash. Reducing Interest Costs Without Doing Actual Prepayment When choosing a floating rate over fixed, one does not have to lose control totally even with rising interest rates as interest costs can be lowered by parking idle funds into the SmartMorgtgage account as we have seen in scenario B above (placing $200,000 deposit reduces the interest cost to $933 in the 1 stinstalment which is exactly how much interest will be charged when the same loan of $700,000 is signed at 1.60%, instead of 2%) 2. On one hand, there is reluctance to sign for fixed rate at such high levels unseen in Singapore for the past decade lest one ends up with a lemon should global recession hits and rates come tumbling down on the other hand, there is fear of runaway interest rates if left unhedged with a fixed rate home loan.Īn interest offset loan becomes a very useful mitigating tool at one’s disposal in such a situation. Added Assurance When Choosing Floating Rate Over Fixed Rate Home LoanĪs the gap between the lowest floating rate (currently at 2%) and the lowest fixed rate (currently at 2.48% for private properties) widens significantly in recent months, more homeowners are caught between a rock and a hard place. We will look at four key benefits of an interest offset loan with HSBC’s SmartMortgage? 1. Now one wonders why would someone with idle funds of $700,000 still need to take up a home loan of $700,000 with the bank? That depends on one’s objective. Tan deposits $1m idle funds into SmartMortgage, his mortgage interest offset remains the same as the bank has capped the maximum offset at 70% of the outstanding loan, ie. Tan deposits the equivalent amount to his loan of $700,000 idle funds into SmartMortgage? That would be scenario C where his interest component is further reduced to $349 which effectively means he is paying only 0.60% on his home loan. In scenario B when he deposits $200,000 of his idle funds into his SmartMortgage account, he reduces this interest costs by 20% from $1,167 to $933 which has the same effect of reducing his mortgage interest rate by 20% from 2% to 1.6%. In scenario A where there is no interest offset current account, he would be paying approximately 40% of that as interest to the bank. Tan still pays the same mortgage repayment every month of $2,967. Notice how the interest earned on the qualifying deposits is now used to “offset’ against the interest component in the monthly repayment so that more of it goes towards reducing the principal loan. Tan deposit $200,000, $700,000 (equivalent amount to his loan) or even $1,000,000 into his SmartMortgage current account. Tan just refinanced an outstanding loan of $700,000 to HSBC on a 25-year tenure that comes with the SmartMortgage current accout and below is a summary of the offseting effect should Mr. Let’s take it look at how it works by way of an example. We like to introduce HSBC’s SmartMortgage, with one of the highest qualifying deposits ratio of 70%, amongst the three banks with interest offset accounts in Singapore (StanChart at 67% and Citibank at 50%). The interest earned on the qualifying deposit amounts every month is then used to “offset” against the interest charged on the mortgage loan hence resulting in the borrower reducing his loan more repaidly than otherwise. An interest offset mortgage loan is one where the bank provides concurrently a current account that pays the borrower back the same deposit interest rate as the mortgage rate charged, for up to a certain percentage of the amounts deposited with a cap set based on the outstanding mortgage loan at any point in time. Vanguard is also the largest TDF manager in the industry and the No. 1 “recipient of cash flowing into target-date funds,” the lawsuit continues.īecause most of the money in Vanguard’s target date funds “comes from company and institutional retirement plans,” Vanguard “is therefore incentivized to keep the managers of its retirement plans happy,” according to the complaint.īefore December 2020, “only retirement plans with $100M or more could access the Institutional Funds. Plans with under $100M were limited to the Retail Funds, with higher fees. Naturally, plans with under $100M wanted the lower fees available to the Institutional Fund investors,” the lawsuit says. Vanguard did not respond to a request for comment by press time. William Galvin, Massachusetts’ top securities regulator, launched an investigation in late January into the purchase of target date mutual funds by Massachusetts customers in taxable accounts at five broker-dealers - T. Rowe Price Investment Services, American Fund Distributors, BlackRock Investments, Fidelity Brokerage Services and Vanguard Marketing Corp. Galvin said he was particularly concerned by reports of inadequately disclosed fund changes that shifted financial burdens to small-dollar investors, resulting in large tax bills for those who held the funds in non-retirement accounts. The Massachusetts Securities Division “is looking at issues like those that recently happened with Vanguard,” a spokesperson for Galvin’s office told ThinkAdvisor then.Abby Steiner ran a world-leading collegiate record of 21.80 to win the 200m – one of four medals claimed by the University of Kentucky sprinter on the fourth and final day of NCAA Championships action in Eugene on Saturday (11). University of Florida secured the women’s team title, completing a double following the men’s team success the day before. The women’s team performances were led by Anna Hall, who contested a unique double and won the heptathlon alongside securing a second-place finish in the 400m hurdles, and Jasmine Moore, who took the triple jump to go with her long jump win from Thursday.įor Steiner, her 200m win came 45 minutes after a third-place finish in the 100m, won by Julien Alfred of Texas in a photo finish from Oregon’s Kemba Nelson as they both clocked 11.02 (0.2m/s). Six women, led by Alfred and Steiner with 10.90, had broken 11 seconds in Thursday’s semifinals.Īfter equalling the NCAA Championships 200m record with a PB of 22.02 to win her semifinal on Thursday, Steiner next lined up for the 200m final and took another 0.22 off that lifetime best. Seeking Alpha contributor The Value Investor analyzes BLZE’s future prospects here.Narrowly ahead off the bend, she continued to pull away from her rivals and raised her arms to the air as she glanced at the finish line clock. one for every Class A share, giving Class B stockholders 97% of the voting power. Additionally, company executives and pre-IPO investors own Class B shares that carry 10 votes each vs. BLZE also gave underwriters the option to buy 937,500 extra Class A shares for overallotments. Backblaze ( BLZE) last week raised $100M selling roughly 6.3M Class A shares at the midpoint of the IPO’s expected $15-$17/share range.The company competes with the likes of S3 service from Amazon (NASDAQ: AMZN), Azure from Microsoft (NASDAQ: MSFT) and Google Cloud from Alphabet (NASDAQ: GOOG) (NASDAQ: GOOGL). BLZE provides business and consumer clients with subscription cloud-based computer storage and backup services.The stock popped 24.4% last Thursday in its first trading session, then added another 10.8% Friday and extended its rally to a third day on Monday. Backblaze ( BLZE) was rising on no apparent news other than continued enthusiasm for its initial public offering.BLZE rose as much as 29.7% to $28.59 before pulling back to close at $25.50, ahead 15.7% for the day and 59.4% since the stock staged an IPO at $16 a share.Backblaze (NASDAQ: BLZE) was fire Monday for the third straight session since its IPO last week, up some 16% on the day and roughly 60% since the cloud-storage firm went public last Thursday. Am I the only one who has noticed that as long as the gift has to do with their grandbabies, any item is deemed fantastic? Here are some quotes to get your wheels turning. Do you ever look at your children or grandchildren and feel your heart. Need some ideas for pairing these quotes with tangible ways to make the day special? Consider having them printed on coffee mugs, throw pillows, front door signs, coasters, calendars featuring your child's pictures, or anything else that might tickle their fancy. More Related Quotes: The love between a grandmother and granddaughter is forever. So whether sentimentality or humor fits your family culture best - or maybe a combination of both - the right words are just waiting to be chosen. Luckily, there are some perfect quotes for Grandparents Day that totally summarize the irreplaceable role our parents play in the lives of our kids. You will never look back on life and think, Ive. With Grandparents Day approaching, it's time to tell Gramps and Gran just how appreciated they are. Perfect love sometimes does not come until the first grandchild. Still, both my husband's and my own parents would drop anything to be there for us in a heartbeat if we needed it, and have done so many times. Brian Powell, a sociologist studying families at Indiana University. And once we remembered that we were warriors, once we honored the pain and left it on the side of the road, we moved ahead. One expert who studies family structures disagrees with Gilberts theory that more children are growing up without grandparents. As someone raising children states away from extended family, I'm certain that friends like this don't know what a good thing they've got. 'But we sang our songs and brought them to the streets and into the classroomsclassrooms we built on our own lands and filled with our own words and books. “ Even though you're growing up, you should never stop having fun.Nothing invokes my envy like having a friend mention that her kids went to grandma's for the weekend.But I don't think we make any fewer when we're grown up.” – Jodi Picoult Sometimes, young people who have doubts about the possibility of true love existing take comfort from seeing how their grandparents have remained in love for nearly an entire lifetime. “ Everyone thinks you make mistakes when you're young. Conor McPherson Although this quote also doesn’t necessarily refer to grandparents, it certainly can.But the memories of childhood stay with you for the long haul.” – Kevin It's a family dynamic that's becoming more common: children growing up without grandparents and moms and dads not having the support system of their own parents. One day you’re in diapers the next day you’re gone. “ Some day you will be old enough to start reading fairy tales again.” – C. It's a classic image: happy children on their grandparents' knees, giddy with excitement just to be together and getting spoiled with gifts and food they can't get from their parents.May these quotes from parents, educators, philosophers, movie personalities, and authors inspire you to celebrate milestones in your parenting journey and in your children’s lives. In this article we share a collection of growing up quotes to honor the time and the love you share with your children. You wonder how time could have passed so quickly. They’re ready to take on the world and its challenges, an to live life on their own. I will never forget how scared we felt and how our hearts ached for our own children. One day you’re raising tiny humans who barely know how to properly hold a spoon, then the next time you look, they’re grown up and demanding independence. It was not easy watching a baby born that small, struggling for her life. |
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