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10 Fun Things to do in South Korea
Are you Coming to South Korea to teach English or Travel?
You can make your trip to beautiful South Korea a memorable one by checking out my list of 10 things that you need to while you're here.
Many of these things are easy to do in whatever neighborhood you find yourself in so don't worry too much about where to go. You can sample some delicious BBQ, eat some spicy cabbage or radish Kimchi, soak naked in the sauna or visit the Singing Room when you're out for a night on the town. I'm confident that you'll have a fantastic time exploring, shopping and playing in this amazing country.
I've been living in Korea for the past 10 years, working at a university out in the rice fields of Chungcheongnam-Do and now in Busan. It's been an amazing decade filled with the funniest, craziest and most unforgettable experiences. I hope you love this country as much as I do and have an awesome time in South Korea.
Eat some BBQ during your stay in South Korea
Expats in Korea rank Korean BBQ as their favorite Korean food. You can get pork or beef, cut up into small pieces. In the center of your table, you'll have a fire or flame of some sort and you BBQ your own meat. When it's done, dip your meat into salt or spicy red pepper sauce, and wrap it up with some garlic, kimchi and rice in a piece of lettuce or sesame leaf. It's probably the most delicious thing that you'll ever eat. The best part of it is the atmosphere that comes along with it. Have some shots of soju with your friends, and watch the couples out on dates. Even better is to find some Koreans to take you and they'll make sure it's done up right.
How to eat your Korean BBQ
Have a soak in a Korean Sauna
Koreans love going to the sauna, and most of them will head to one at least once a week for a good clean and soak. There are local ones in every neighborhood, where less than $5 will gain you admission. There are also ultra-luxurious ones with all kinds of themed pools and room, as well as sleeping rooms where you can spend the night. Some are strictly single-gender, since you bath naked, while others have areas where you put on a robe and everyone can relax together.
In Seoul, there are 2 very nice one outside of Seoul Station and Yongsan Station. Ask tourist information at the stations for directions. Or, if you feel like getting outside of Seoul come to the Asan (Onyang-Oncheon) area, an hour South of Seoul by KTX Train. It's where the kings from days gone by used to come for holiday and most of the resorts there take advantage of the plentiful natural hot springs in the area. You could spend days checking out the hotels with saunas in the area, but a couple of the best are Dogo Hot Springs Resort, and Spavis.
Go Hiking to see the fall colors
Seoraksan is best, but any mountain will do
Korea is full of mountains, and in fact 70% of the country is mountainous. Every weekend, even during the winter and heat of summer, Koreans are out in full-force to get their exercise and recreation. However, the best time to go is during October and early November to see the changing colors on the trees. Mountains and endless valleys with amazing reds, yellows and oranges. The best part of it is perhaps the crowds of Koreans out in their Swiss Family Robinson attire. Drink some Makeoli (Korean rice wine), served warm along with pajeon (green onion pancake) to complete the experience.
What's your favorite thing to do in South Korea?
Go to Jeju Island: Korea's Hawaii
Or, at least that's what all the tourist brochures say. And actually, it's really true. It is indeed a semi-tropical paradise filled with palm trees, and scuba diving, tallest peak in South Korea, white sandy beaches, and a million other adventures. It's truly a must-see if you're in North-East Asia.
Martina's Trip to Jeju Island
Dance and Sing the night away at the Norae-Bang
Norae-Bang, in English in translated as "Singing-Room." It's like your own mini Karaoke room for you and a few friends. It's where the Koreans go to finish their night off after a few hours of eating and drinking. You can find them on any street and they're only a couple dollars per person per hour. The nicer ones will offer free drinks and snacks, as well as alcohol you can buy. They might have a stripper pole and music makers too!
Get your party on in Hongdae
Hongdae (Hongik University area) in Seoul is where the young and hip Koreans and foreigners go to party the night away. You'll find plenty of restaurants, and a bar to suite every taste. A good place to start is the "Park" near the Hongik University main entrance, where they have live entertainment on weekends. Activity seems to center around here. You'll be able to party until the sun comes up and then stagger home to your sauna or love motel for a few hours of sleep before getting up and finding yourself some Hae-Jung-Guk, a soup that is reputed to cure a hangover.
Partying in Hongdae
Experience the past in a folk village
Korea is now an ultra-modern, first-world country, but it wasn't so long ago that they were an agricultural society. However, Koreans seem to want to forget their not so spectacular past so you'll be hard-pressed to find anything left from 100 years ago, except in folk villages. The folk villages in Korea are very well done, low on the kitsch and high on the authenticity.
My two picks are:
1. Suwon: Nobody lives in the houses, but it's the biggest one in Korea. There are lots of ceremonies, performances, old-fashioned food and drinks, as well as games you can play.
2. Andong: Hahoe Folk Village. As opposed to the village in Suwon, people actually live in the houses and the best part about it is that you can stay overnight in the village. It's located in a picturesque part of Korea, nestled among a beautiful winding river. Head there during the fall rice harvest for maximum beauty. As a bonus, it's home to Korea's mask dance group, which you can see perform on weekends.
What are doing in Korea?
How to Thrive in South Korea: 97 Tips from Expats
Shop till you drop at one of the famous markets in Seoul
Every town will have a market where you can buy all kinds of produce, meat, and kimchi. It's a fascinating place and a glimpse into the daily iife of Korea, with ajumas (older women) out shopping for their family's dinner. Be sure to sample some of the street food in these places, it's usually delicious. If you're an expat in Korea, shopping here is certainly more interesting than going to the local E-Mart.
If you're in the mood for clothes, gifts, or just about anything check out either Dongdaemun or Namdaemum in central Seoul. They are two of the biggest markets in Asia and you can find some great deals. But, be sure to bargain as the first listed price is usually a bit too high. There is amazing food to be found in the little alleys between the stores. But eat quick, or you'll get some dirty looks from the ajumas running the place!
A Trip to Namdaemum Market, central Seoul
Sample some Kimchi
Kimchi is Korea's national dish. It's usually made with Chinese cabbage or radish, but sometimes other vegetables as well. It's mixed with spicy red pepper paste, garlic, onion, ginger and other spices and left to ferment for up to a few months. The longer it ferments, the spicier and more sour it gets. Koreans eat kimchi with every meal and you'll be able to sample it at every restaurant you go to. If it's too spicy for you to eat alone, have it with a bit of rice, or cook it on your grill at Korean BBQ. It might suit your palate better. Foreigners who've been in Korea for a year or two are generally thoroughly addicted and wonder how they'll ever live without it when they go back home.
Enjoy the foreign delights!
There are plenty of expats in Korea, with about 1% of the population being foreigners. This brings with it the ghettos that cater to everything foreign and the festivals that are mostly foreigner ones.
You can find a taste of home outside any of the US army bases here, but the most well-known area is Itaewon, outside of the Yongsan Base in central Seoul. Restaurants, shopping, and English bookstores await you!
Another area is Songtan, south of Seoul which is outside a major air force base that has more Americans than Koreans on the main street. This is the place to get cheap, custom made clothes and shoes.
A festival to check out is the Mud Festival in July at Daechon Beach, on the West Coast of Korea. Foreigners flock to it in hordes and it's acceptable to throw mud at your friends, or wrestle them in the mud pit. Your dreams can come true!


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Video gaming VPN Assistance – Giving you an Alternate Map
A game playing VPN is an excellent way to be given virtual non-public network services. Virtual personal networks or VPNs are incredibly powerful as they allow people to employ similar internet connection, which can be routed by using a gateway, through multiple levels of reliability and security so that there is no-one to gain access. It fundamentally functions since an internet coating between you and the outside world. And while the idea is still relatively recent, many companies and individuals are already making the most of their benefits. A gaming VPN is the sort of application.
One of the main reasons why a gaming VPN works so well is because of how it increases its consumption of connection rates. By using a video games VPN, it is possible to use precisely the same connection rates that you can have from a broadband but add in to be able to play longer hours, when taking much less of a struck to your pc's resources. Or in other words, by making it possible for your interconnection speeds to stay high, you won't have to experience as much of the negative impression of playing for a long time, saving you funds on unneeded and unnecessary restarts. It is also important to remember that by allowing the speed of the connection to differ, you can make sure that you are not interrupted during times once your computer will be bogged visit their website down. The real reason for this is because many times if the connection rate spikes, your personal computer and net server making the effort to process data as well, which can cause errors and poor efficiency.
One of the more completely unique features of games vpn companies is the ability to add additional connections through a mesh. Through this characteristic, a VPN allows for each computer to connect to the internet by different rates, similar to how a router would definitely separate net speeds from each other. Some providers even allow for several connections at the same time. While it's certainly possible to get this assistance for free on some products, generally you must pay a substantial amount of money because of it through unique means. This can include things like net hosting, domains, and tasks of that aspect. There are a number of various reasons why someone may want to use their connection speeds and why a gaming vpn service can be one of them, so it's definitely worth looking at when you are aiming to add the excess convenience of a mesh network.

subset: commoncrawl


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Caddo Parish's COVID cases fall 20.1%; Louisiana cases plummet 28.1%
Louisiana reported far fewer coronavirus cases in the week ending Sunday, adding 63,399 new cases. That's down 28.1% from the previous week's tally of 88,195 new cases of the virus that causes COVID-19.
Louisiana ranked 33rd among the states where coronavirus was spreading the fastest on a per-person basis, a USA TODAY Network analysis of Johns Hopkins University data shows. In the latest week coronavirus cases in the United States decreased 14.9% from the week before, with 4,770,122 cases reported. With 1.4% of the country's population, Louisiana had 1.33% of the country's cases in the last week. Across the country, 27 states had more cases in the latest week than they did in the week before.
Many counties did not report during data during the Martin Luther King Jr. weekend, disrupting the current and previous weeks' statistics. Week-to-week comparisons are skewed and these numbers will be unreliable even as they're accurate to what states reported.
Caddo Parish reported 3,825 cases and eight deaths in the latest week. A week earlier, it had reported 4,785 cases and seven deaths. Throughout the pandemic it has reported 58,155 cases and 1,008 deaths.
Bossier Parish reported 2,408 cases and nine deaths in the latest week. A week earlier, it had reported 3,323 cases and two deaths. Throughout the pandemic it has reported 31,757 cases and 426 deaths.
Webster Parish reported 660 cases and one death in the latest week. A week earlier, it had reported 848 cases and one death. Throughout the pandemic it has reported 9,328 cases and 156 deaths.
De Soto Parish reported 406 cases and three deaths in the latest week. A week earlier, it had reported 441 cases and two deaths. Throughout the pandemic it has reported 6,384 cases and 122 deaths.
Claiborne Parish reported 220 cases and zero deaths in the latest week. A week earlier, it had reported 274 cases and one death. Throughout the pandemic it has reported 2,778 cases and 67 deaths.
Red River Parish reported 85 cases and zero deaths in the latest week. A week earlier, it had reported 113 cases and zero deaths. Throughout the pandemic it has reported 1,864 cases and 49 deaths.
Across Louisiana, cases fell in 53 parishes, with the best declines in East Baton Rouge Parish, with 6,667 cases from 11,728 a week earlier; in Jefferson Parish, with 4,344 cases from 8,585; and in Orleans Parish, with 3,499 cases from 7,102.
>> See how your community has fared with recent coronavirus cases
Louisiana ranked 47th among states in share of people receiving at least one shot, with 59.2% of its residents at least partially vaccinated. The national rate is 75.5%, a USA TODAY analysis of CDC data shows. The Pfizer and Moderna vaccines, which are the most used in the United States, require two doses administered a few weeks apart.
In the week ending Sunday, Louisiana reported administering another 63,202 vaccine doses, including 37,303 first doses. In the previous week, the state administered 61,153 vaccine doses, including 15,841 first doses. In all, Louisiana reported it has administered 5,882,950 total doses.
Within Louisiana, the worst weekly outbreaks on a per-person basis were in West Carroll Parish with 2,927 cases per 100,000 per week; East Feliciana Parish with 2,738; and East Carroll Parish with 1,938. The Centers for Disease Control says high levels of community transmission begin at 100 cases per 100,000 per week.
Adding the most new cases overall were East Baton Rouge Parish, with 6,667 cases; Jefferson Parish, with 4,344 cases; and St. Tammany Parish, with 4,233. Weekly case counts rose in 11 parishes from the previous week. The worst increases from the prior week's pace were in West Carroll, LaSalle and Beauregard parishes.
In Louisiana, 187 people were reported dead of COVID-19 in the week ending Sunday. In the week before that, 83 people were reported dead.
A total of 1,060,022 people in Louisiana have tested positive for the coronavirus since the pandemic began, and 15,324 people have died from the disease, Johns Hopkins University data shows. In the United States 70,700,678 people have tested positive and 866,540 people have died.
>> Track coronavirus cases across the United States
Louisiana's COVID-19 hospital admissions falling
USA TODAY analyzed federal hospital data as of Sunday, Jan. 23.
Likely COVID patients admitted in the state:
- Last week: 2,543
- The week before that: 2,752
- Four weeks ago: 702
Likely COVID patients admitted in the nation:
- Last week: 188,864
- The week before that: 197,883
- Four weeks ago: 99,261
Hospitals in 25 states reported more COVID-19 patients than a week earlier, while hospitals in 22 states had more COVID-19 patients in intensive-care beds. Hospitals in 30 states admitted more COVID-19 patients in the latest week than a week prior, the USA TODAY analysis of U.S. Health and Human Services data shows.
The USA TODAY Network is publishing localized versions of this story on its news sites across the country, generated with data from Johns Hopkins University and the Centers for Disease Control. If you have questions about the data or the story, contact Mike Stucka at firstname.lastname@example.com.


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If you are an outdoorsy person or an aspiring astronomer, a telescope is a must-have. There are tons of high-end stationery telescopes on the market, but what if you want to stargaze on your camping trip? Thanks to technological advancements, there are portable telescopes that are superbly compact yet offer high-quality magnification. So which is the best travel telescope to get for the most magical travel experiences?
We rounded up a list of the best-rated portable telescopes to help you make the choice from the endless options available on the market. Some of the features we considered in our review include focal length and ratio, aperture, eyepiece diameter, mount, and weight among others. The features determine the efficiency and convenience of the telescope. For instance, weight and mount will affect the telescope's portability and ease of handling while the aperture affects the quality of images you'll be viewing.


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Global Epidemiology, MPH '22
"I don't think I would be able to be so connected to community health work, engaging in work on a partner level as opposed to academia, if it wasn't for Rollins."
Second-year Rollins Global Epidemiology MPH student Chenmua Yang chose to study public health to be a positive change agent for the shared experience that refugees, immigrants, and migrants (RIM) might go through in this country. This passion stems from his personal experiences as a member of a refugee family.
Part of the Hmong/Hmoob/Moob community, an ethnic minority from the mountainous regions of Laos, Yang's parents and grandparents eventually resettled in Wisconsin and Minnesota after they arrived in the late '70s and mid '80s.
"Growing up with that family dynamic, I was always aware of what health services were available to us," says Yang. "Toward the end of my grandmother's life [in 2015], I saw how vital public health is and how access can be limited because of language barriers. She never learned English."
During his time at the University of Wisconsin-Madison, where he graduated from in 2016 with a major in microbiology and certificate in European studies, Yang studied abroad in Barcelona and took Spanish classes. After graduation, he served with two AmeriCorps programs, one in San Francisco and the second in Milwaukee, where he worked as a community health program coordinator for family health education classes for non-native English speaking communities. Then in 2018, Yang served in the Peace Corps for two years in Togo, West Africa, where he served as a health volunteer and learned to speak French and dabble in the local languages. These collective experiences combined with his Hmong heritage, offered Yang insight into how important language is to a community and how that might play into public health.
Yang put his French language skills to work in his Rollins Earn and Learn position with the vaccine exemplar project, which is also tied to his Global Field Experience Financial Award. Funded by the Bill & Melinda Gates Foundation, the project seeks to identify and understand "exemplar" immunization programs, such as those in Senegal, Nepal, and Zambia, which performed better than their peers in driving improvements in high and sustainable vaccine coverage. Yang worked on research related to Senegal in West Africa and communicated with the Senegalese team.
In addition, Yang has been working on a Fields Scholars Award Program funded by the Emory Global Health Institute that awards funding to a multidisciplinary team of students at Emory University to conduct global learning projects in partnership with organizations globally. The project was a collaboration between Emory University, the Clarkston Community Health Center, the Refugee Women's Network, and various community-based organizations in Clarkston, Georgia, and focused on how COVID-19 vaccine confidence can be increased among the area's diverse community of RIM families. He's learned that there's no one-size-fits-all solution for everyone and hyper-localized approaches to collaborating with communities that have people with different languages, backgrounds, and history is key to positive outcomes.
"I don't think I would be able to be so connected to community health work, engaging in work on a partner level as opposed to academia, if it wasn't for Rollins," says Yang who really enjoys hands-on field work and building human connections to understand and analyze data, which is why he selected the Global Epidemiology track for his MPH studies.
Another hands-on experience that has stood out to Yang was participating in the student-led Rollins Election Day Initiative (REDI). As a second-year student, he is now REDI's co-president.
"Being part of REDI in my first year helped me meet classmates despite COVID and made me realize that voting and civic engagement is a public health issue," he says.
And, being from the Midwest, Yang appreciates Atlanta's moderate temperatures.
"I enjoy the weather and the nature in Atlanta and around Emory. Going out walking on a trail is a great way to destress and relax, year-round!"
Post-graduation, Yang is interested in working for an international NGO. "The CDC would not be a bad second option," he quips.
Yang would like to contribute as much as he can to the field of public health, specifically where vaccine-preventable diseases and preventative health services are concerned. He hopes his unique perspective and personal experiences as a son of refugees and a Hmong American will serve others well.


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OC Autostyle – SoCal Car Guy Start-Up Success Story
First, man fell in love with cars. Then immediately, he started customizing them.
Fast-forward 100-years, countless automotive start-ups, and enter OC Autostyle.
This car customization shop is new, but it's actually been around for more than 20-years. Huh?
You see, for decades the business has been exclusively serving local car dealerships.
But now you and I can go directly to the source! And we can create seemingly anything with our cars, limited only by our imaginations – and budgets. :0)
Another Southern California Automotive Entrepreneur
Since the '90s Hector Jaime has been customizing cars.
In fact, he started his career as an installer. Personally customizing cars just like around 30-guys do in his shop now each day.
But the path to multi-millions in annual revenue and countless custom car creations on SoCal roads was never certain. For sure it wasn't even predicted.
Long before Hector started customizing cars he was just a kid in Southern California. While going to Estancia High School he was on the honor roll.
But like a lot of us guys, when girls sparked his interest, academics were pushed to the backseat.
So when it came time for college, Hector didn't exactly have a target course of study. Much less a bullseye he was aiming at, careerwise.
OC Autostyle From 2-Hours Of College
Nevertheless, the SoCal car guy dutifully enrolled in courses at Orange Coast College.
Luckily the school was near his home. And he didn't have to pack up all his stuff and move across the country.
Because his first college class was scheduled to be 4-hours long. However, there was a break after the first 2-hours.
And during that break, Hector decided college wasn't for him. So, he just never went back.
Humble Car Guy Beginnings To Multi-million Annual Revenue
While college didn't work out for Hector, he wasn't completely without direction much less dedication and passion.
It seems he just needed to figure out a place to apply his energy, creativity, and focus. And it didn't take long for Hector to find the right outlet for his talents.
Growing up, Hector was the second oldest of four kids in his family. His mom cleaned houses and his dad worked with fiberglass. First making boats and later creating prototypes of cars.
Hector found himself done with high school, and college and in search of his next step in life. Being a young man in SoCal and having his dad involved with the customization of cars, that next step wasn't entirely surprising.
Hands-On Car Customizing
He got a job customizing cars himself. And at that time, long before OC Autostyle, it was the mid-nineties. So gold badging and wood-grained interiors were popular and he installed a lot of those.
But it didn't take long for Hector to be promoted to branch manager of the shop where he was working.
And for the next ten years, he would manage teams of car customizers throughout Southern California. While also getting into the sales side of the car customization business.
Direct To Car Dealer Sales To OC Autostyle
The key thing here is that it wasn't retail sales that Hector was gaining experience within and practicing. Rather he was selling directly to car dealers.
So the (very) big difference between selling to dealers and selling directly to his future OC Autostyle consumers was the massive volume of work. Because selling to car dealers allowed him the benefit of customizing lots and lots of cars (new and pre-owned) every day.
Direct To Dealer
In 2006 Hector founded Dealership Services Direct. Like so many other start-up entrepreneurs, his garage served as world headquarters.
By that time he was offering leather upholstery, sunroofs, custom wheels, tires, spoilers, and more. Pretty much whatever customization needs his car dealer customers had, Hector was in the business of supplying it.
And business was good and it grew. In fact, his business has continued to grow since 2006. So much so that it's outgrown numerous locations.
During that growth and moving into different locations, the retail side of Hector's business sprouted organically. Because car guys and gals who needed work done would stumble across Hector's team working and ask for customization of their own.
OC Autostyle And Dealership Services Direct
So OC Autostyle has been a growing business for Hector, really without him trying. Or, at least, without him marketing and advertising the business.
Some of it has been word-of-mouth momentum that has been built from the many customers who were just driving by his shop.
Chips And Inventories
For years the business-to-business side of Hector's operation has serviced more than 200 Southern California area new and pre-owned car dealers.
But with the COVID pandemic came supply chain disruptions including chip shortages. And those have caused inventory at new car dealerships to hover at around 15 to 30% of what it is typically.
For instance, Lewis Cook at Martin Chevrolet says that due to COVID's interruption of the automotive business he's had around 40 cars on the lot. And the Southern California Chevy dealer says that's "off from the low-end norm of around 300 cars the lot."
Hector's Pivot To OC Autostyle
So, Hector's Dealership Services Direct sales have lagged a bit due to lower inventories. At the same time, his OC Autostyle retail business has easily picked up the slack.
And it seems Hector's always got some new element of his business 'brewing.' For example, digital license plates.
Like all things tech-related these days, there's more to the story of digital license plates. Because they offer numerous benefits now and those will be added to as technology advances.
Digital License Plates From OC Autostyle And Dealership Services Direct
For instance, digital license plates are customizable. So just think of the possibilities with that message at the bottom of the plate. And the digital plates allow drivers to customize them simply through an app on their smartphone.
As technology and coordination with the California DMV improve drivers will be able to pay toll roads, traffic violations, and parking meters from the same system.
Also, Hector is offering digital plates through both OC Autostyle And Dealership Services Direct.
Lewis from Martin Chevrolet adds that he likes offering the new tech to his customers for all the reasons above. But especially for the theft recovery feature. Because if your car is stolen, you can have your digital plate flash the message "STOLEN VEHICLE!"
OC Autostyle Car Customization Offerings
Needless to say, as time goes on Hector plans to increase the car customization offerings he provides through both OC Autostyle And Dealership Services Direct.
He's currently focusing on adding EV-specific options. But if you need anything from a lift for your truck, custom wheels, tires, sunroofs, infotainment systems, spoilers, custom badging, de-badging, wraps, tint, lighting configurations, or pretty much anything else… it's a good bet Hector can help.
All the latest SoCal automotive news HERE.


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We start learning the Quran when we are small. Learning the Quran correctly is essential. It's not easy, but it can be difficult to memorise quran online correctly. This is a comprehensive guidebook that guides you through all aspects of Islamic life. Many Muslims are eager to learn the Quran word for word. Many children find it very difficult to learn the Quran in Tajwid. As we know, learning the Quran in Tajwid is not easy because there is a difference in Arabic from when the Quran was revealed.
You need to study the Quran in Tajwid, as there can be significant differences in pronunciation and meaning. To establish an agreement, you need to study the Quran in Tajwid. There are many reasons why Tajwid is not easy. The language has changed significantly since and now when the Quran was revealed. Even the Arabs themselves have a hard time learning the Quran in Tajwid.
Let's start with Qaida
Qaida is a first-year course for non-Arab Muslim children, including new converts. This is a comprehensive platform for fans to learn the Quran. First, you will receive 28 Arabic alphabets that will help you speak the Quranic language. You will learn everything step by step so that you can remember it too. It's like learning a new language. To learn sentences and understand languages, you need to learn letters and words. This encourages you to study the Quran with a proper understanding. The central idea is to educate students on how to pronounce Arabic correctly. This is because if you can master Arabic pronunciation, it will be easier to learn the Quran.
Read the Quran online
Online Quran education has become very popular these days because of its reliability, flexibility, and affordability. You will be able to study the Quran in a friendly way. Teaching online can help improve your training skills in the Quran. These classes have qualified teachers who are very experienced in teaching the Quran, memorise quran online is more beneficial than attending school classes or going to a madrassa because of the flexibility of the schedule. Online Quran learning institutions also offer options for teachers so you can choose the teacher of your choice. This method of teaching the Quran has become very fruitful these days.
How to learn Tajwid?
Tajwid is a set of rules for each correct pronunciation of the Holy Quran. If you don't talk about Tajwid, you can mispronounce words, so you need to improve Tajwid. This is unacceptable in Islam. Because if you pronounce a word incorrectly, its definition changes. Therefore, when studying the Quran in Tajweed, make no mistakes. Tajwid learning cannot be done without tutoring, so you can choose a tutor or subscribe to the Quran's educational website online to read the Quran online.
If you have any concerns about Tajwid, you can always read Koran online. It's not easy, but it's always understandable.
Learn by translation
Read each word translated into the original language. It is essential to understand what is written and experience its meaning. You need the help of a teacher to learn the word-by-word translation. This is because there are some poems and words that have complex meanings. Therefore, if you need to learn the Quran word for word, you need to translate and read every word. You can always learn and understand the Quran online.
Individual courses for adults
Some educational institutions offer separate classes for adults who need to study the Holy Quran. There is no age limit in the Quran school environment. It doesn't matter if you have a basic knowledge of the Holy Quran, all you need is will and determination. If you want to learn the Quran as an adult, don't hesitate as it is a valuable cause and can be achieved at any age. If you are new, you can read the Quran online and learn better.
Important points to keep in mind
Keeping the dictionary-learning the Quran will be much easier. Knowing the translation of each word will help you understand its importance. Create a schedule-Create a regular routine schedule. Set a clear time to study the Qur'an and adhere to it strictly. Don't give up: You need to know the value of teaching the Holy Quran. You need to understand its purpose and the wisdom behind all the words of the Quran.
Review: Review what you have learned. This will help you keep your memory.


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Stuff in the 'children photography' Category
Be a Client for Life— 04/16/2020 by Monika Wertman —
We want you as a Client for Life!!
While we have always had this option of purchasing a client for life membership, we only offered it when you booked your wedding with us. Well, it is time to change that!! So here it is, a chance to sign up for this exciting opportunity with an easy monthly installment plan. As a client for life subscriber you receive first dibs at specials and subscriber only print and product exclusives.
Please see the photo below for the family CFL program and its two options of signing up for it.
The other option within the program is designed for business branding clients. Since our branding collections are all inclusive, the client for life program builds onto the collections to keep your brand updated on an annual basis while making it easy on your pocketbook.
From now until April 30, 2020 you will receive a $35 print credit when you sign up for the family CFL program and 5 additional photos with the subscription to the branding CFL program as a Thank You for joining!
Please fill out the form below indicating which Client for Life subscription you would like to start, and yes, you can do both, and we will contact you to schedule a Skype consultation to answer any questions and to finish your registration. We will also get you scheduled for your first session later this summer when we get to capture all of your precious moments again. WE look forward to working with you on a regular basis and to ensure that all of your photography needs are met each and every year!
Gift Cards for Sessions or Artwork— 03/27/2020 by Monika Wertman —
Gift cards for sessions or artwork are a great way to support our business during these times of social distancing! We are restricted in how we can work with you, but you can still secure that you will be able to use us when this is all over! Whether you are a new client or a returning client, we can send you a gift card virtually to keep you safe. You may use the gift card now to purchase wall art from a recent session to send to a loved one, such as a parent or grandparent. Our labs are on top of safety during this virus and your order will arrive directly from there, ready to hang on any wall you want to decorate. We will gladly create a mock-up of the space you want to fill to show you what it will look like in your space. Just send us a picture of your blank wall and we will create the look you want. We will to also be happy to consult with you via Skype to figure out sizes and finishing styles.
Here is a sample of what two canvases or metals can look like hanging side by side:
For those of you who want to work with us at a later date but want to take advantage of your tax return or other pay-outs, purchase your certificate now and use it later. We can set up a Skype consultation to discuss your plans and get you on our calendar in July, August or September after this virus runs its course.
Whatever your pleasure and comfort level, we are here for you to bring a bit of sunshine and joy into this odd time we are muddling through together.
A One Year Old Birthday Shoot and Taco Bash— 06/15/2017 by Monika Wertman —
A One Year Old Birthday Shoot and Taco Bash
Miss Lucy is one of our favorite little ones and we have loved and have been honored to be a part of her family's development from the beginning. We captured her parent's engagement, their wedding, her growing presence in her mommy's belly, Lucy's birth and now her 1st birthday.
Lucy is a little cutie pie with lots of personality just like her mommy and daddy. She was also very patient with the many clothing changes her mommy put her through and loved playing with the toys I put out during her session.
We shot for about 1.5 hours, an unusual length for this age, as one year olds tucker out quickly, but Lucy was a trooper and with several snack breaks and a change in back drops and scenery every so often, she continued to be a delight.
The session culminated in a Taco Bash, an idea her mommy had as Lucy loves tacos. So instead of doing a cake smash, we gave Lucy tacos to destroy.
She began by eating the sour cream and eventually got the hang of smashing the rest of the food. This was a messy endeavor, but paid off with cute photos.
We are sharing a few here to clue you in on the fun we had.
We also decided that we should continue the tradition of putting Lucy into her mommy's wedding gown, something we started when she was first born. Lucy was not too sure what to make of that as you can tell by the two photos we are sharing here.
Call us today to schedule a consultation so we can plan your special one year old photoshoot. One year olds are lots of fun and totally unpredictable. We love working with them.
Busy with Babies— 04/19/2017 by Monika Wertman —
We have been busy with Babies
Over the last few months we have had several maternity sessions and newborn babies. One such session even had us going to the hospital within the first moments after this little one was born. Below are a few of our favorite images from these sessions.
Here at Wertman Photography we customize each maternity and newborn session to what you would like to get.
We even come to you if you want the life style approach. The families featured within this post chose to do it all at the studio.
We played with a few new ideas, such as silhouettes and simulating a bedroom setup, featuring the baby with the parents softly in the background.
We also incorporated rings and tiaras. They were all fun sessions and we are looking forward to a few more already on the schedule for later this month.
Whatever you preference and whatever it is you would like us to capture, we will be sure to accommodate your wishes. We discuss it all in your pre-session consultation, taking notes and preparing the studio accordingly. We also make sure that its is nice and warm in here to baby does not get cold.
We use our constant lights for added warmth for baby and have also found that the constant lights do not make baby flinch as a flash system may.
Please vote on your favorite image so we can enter our families in a drawing for a portrait. You will also be entered into a drawing for a family session up to 5 people for voting.
Thank you for a great year— 12/23/2016 by Monika Wertman —
We had a great year working with so many of you! It was fun and exciting and sometimes a bit more challenging than expected, and we got awesome images.
Here is a quick look back over the last 12 months, highlighting some of our favorite shots from this year.
This year we got to play with newborns, expecting moms, brides, fun seniors and awesome families. Several of you were repeat clients and we love you for it! Some of you were new to Wertman Photography. We want to thank you for putting your trust in us!
Here is wishing you a Merry Christmas, a Happy New Year and fun time with your family and friends.
Enjoy the look back over the year and come join us again in 2017.
Swimming and Action Shots— 10/12/2016 by Monika Wertman —
Two weeks ago we had the pleasure of working with Alderson Broaddus' swim team again. I was great working with the athletes we met last year and working with some of the new recruits.
The weather was much warmer this year than last and the sun was out the entire time we were there. More of the swimmers opted in to capture action shots this year as well. We used a different location for the team shots and I still worked in different areas of the campus. 19 of the 20 swimmers were able to attend the team picture and everyone was there for the head shots. All in all a successful trip.
What I enjoy most in working with these young adults is seeing the obvious connection they have as a team and their dedication to their sport. They are all very easy to talk to and very easy to get good pictures of.
Athletes as a rule are fun to work with. They love showing off their skills, their athleticism and in this case, how they have grown in one year.
When we get to work with a particular team year after year, it is fun to see how the athletes change, grow up and develop in their skill set.
It surprised me to see how these young men and women had changed in a year. They are, after all in college and at least the juniors and seniors are over 20. Yes, they are looking older and more mature. They are coming into their own in many ways and athletically this shows.
We have worked with a couple of other teams as well, but for me at least, being the mother of a swimmer, this is the most fun.
If your child is part of a team, school or club, and you are tired of seeing the same pictures every year, please consider sharing this post with your coach and school. The images captured during this shoot have just been shared with the parents and part of the proceeds from the picture purchases will go back to the team to help them go to Florida for training in January.
Every sports team raises money for gear, trips, entry fees and other assorted stuff. Why not raise funds this way? If you are interested please give us a call today at 301-693-3021.
Family sessions outdoors— 08/04/2016 by Monika Wertman —
Over the last few weeks I had the chance to work with several families, many of them with little children and new babies on the way. All of the session took place outdoors because the weather was nice and these families chose to be photographed outdoors.
Working with young families is always fun and I love shooting in a pretty location. Being outside gives me a chance to propose great locations that give us plenty of options and scenery changes. Here in Hagerstown, we have many such locations. We have parks galore and within a short driving distance we have great little and big waterways that add to the variety I can offer my clients with an outdoor session.
During the initial phone call I ask if they have a favorite spot that means something to them as a family. Most of the time the answer is:"no" If this is the case, I then propose one or two locations I think will work well and let my families decide from there. We generally settle on mid-afternoon and many times it has to be on a weekend day. Occasionally I am asked if we can do the session at the families' home. We offer this option as it turns it into more of a lifestyle session. Indoor or out, a home location offers it's own challenges that we love to rise to.
At Wertman Photography we are also willing to travel a distance if that is what it takes to make our clients happy. Within a 25 mile radius from he studio, we travel for no additional charge, outside of this radius, the additional rate depends on the distance we need to cover and how long it will take us to get there. Personally, I love to go to new places a bit of a distance away. It allows me to be creative and meet challenges I may not have here in town.
One such session was held on family land, on a rainy day. We walked through softened areas to get to water ways, used tree cover when it started raining and utilized umbrellas when it got a bit worse. In the images you can not tell that it was overcast, because we where in wooded areas and only emerged when it was not raining. It was a fun session and produced fun images the family loves!
Call us today if you want a unique session in an outdoor location of your choice or recommended by us. We will be happy to work with you and create memorable images that you will be proud to hang on your walls. 301-693-3021


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Construction fasteners are specialized hardware that is used to join two or more materials together. There are many fasteners types and uses. The most common type of construction fastener is the nail, which is driven into the material with a hammer or other tool. Other types of construction fasteners include screws, bolts, washers, and rivets. Construction fasteners come in a variety of sizes and materials, depending on the application.
The most common type of construction fastener
The most common type of construction fastener is the nail. Nails are made of metal and have a sharp point that helps them penetrate into the material. They also have a ridged shaft that helps to grip the material and keep the nail in place.
Nails come in a variety of sizes, and the size you use will depend on the thickness of the material you are nailing into. For example, a thicker piece of wood will require a larger nail than a thinner piece.
There are two main types of nails: wire nails and common nails. Wire nails have a thinner shaft and are made of softer metal, making them easier to bend. Common nails are thicker and made of harder metal, making them more difficult to bend.
When choosing a nail, you will also need to consider the type of head. The most common type of head is the flathead, which is flush with the surface of the material. Other types of heads include the round head, which is raised above the surface, and the countersunk head, which is sunken below the surface.
You will also need to decide what type of finish you want on your nails. Common finishes include galvanized, stainless steel, and coated. Galvanized nails have a coating of zinc that helps to prevent rust. Stainless steel nails are made of a type of steel that is resistant to rust and corrosion. Coated nails have a plastic or ceramic coating that helps to protect the nail from the environment.
Other types of construction fasteners
There are a variety of other construction fasteners available, each with their own specific purpose.
Some other types of construction fasteners include:
– Screws: Screws are similar to nails, but they have a spiral shaft that allows them to grip the material better. This makes them ideal for joining together two pieces of material that will be under a lot of stress, such as two pieces of wood.
– Bolts: Bolts are similar to screws, but they have a head on one end that is used to tighten the bolt into place. This makes them ideal for joining together two pieces of metal.
– Washers: Washers are small discs that are placed under the head of a screw or bolt. They help to distribute the force of the screw or bolt over a larger area, which can prevent damage to the material.
– Nuts: Nuts are small metal discs that are used in conjunction with bolts. They are threaded on the inside, which allows them to be screwed onto the end
There are also other types of construction fasteners that can be used, such as screws, bolts, and staples. Each of these has a different purpose and can be used in a variety of applications.
When choosing the right construction fastener for your project, it is important to consider the material you will be using, the amount of force that will be applied to the joint, and the environment the joint will be exposed. This will help you choose a fastener that is strong enough to hold the materials together and won't rust or corrode over time.
Tips for using construction fasteners
Here are some tips for using construction fasteners:
– Choose the right size. Make sure to select a nail, screw, or bolt that is the appropriate size for the material you are working with. Using a fastener that is too small can cause it to break, and using one that is too large can damage the material.
– Apply the right amount of force. When tightening a screw or bolt, be careful not to apply too much force. This can strip the threads or break the fastener.
– Use washers. Washers help to distribute the force over a larger area and can prevent damage to the material.
– Protect against rust and corrosion. If the joint will be exposed to the elements, choose a fastener that is made of stainless steel or has a coating that will protect against rust and corrosion.
Following the tips above will help you choose the right construction fastener for your project and ensure that it is installed correctly.
How construction fasteners can save you time and money
Construction fasteners can save you time and money by making it easier to assemble and disassemble materials. This can be helpful when you need to make repairs or alterations to a structure. It can also be useful when you need to take apart a structure for transportation or storage.
Using construction fasteners can also help to reduce the amount of waste generated during a project. This is because you will be able to reuse the fasteners instead of throwing them away.
Construction fasteners are an essential part of any construction project. By taking the time to choose the right fastener for the job, you can save yourself time and money in the long run.
Construction fasteners are an important part of any construction project. They come in a variety of sizes and materials, depending on the application. Choosing the right construction fastener is essential to the success of the project.


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Call Me: 773.218.0294
5441 North Ashland #3, Chicago, IL 60640
Impeccably maintained gut rehab (2014) in the heart of Andersonville! This 2 bed/2 bath condo sits among the tree tops receiving loads of natural light. Featuring an open concept with kitchen overlooking the living room and dining space is optimal for entertaining or relaxing. Spacious chef's kitchen w/ loads of custom cabinets, beautiful granite countertop, oversized breakfast bar, high-end stainless appliances, vented hood, glass backsplash & 50 bottle wine cooler. The primary suite fits a king size bed, offers an organized walk-in closet and is situated for utmost privacy as the condo sits above the height. The primary bath is spa-like with jetted tub, granite finishes, heated floors, stand alone shower, and double vanity. The second bedroom is currently used as an office, but is sizable with a large closet and shares no walls with the other bedroom or living areas. The 2nd bathroom has granite finishes & extra storage. Additional features includes walnut stained, red oak floors, solid core doors, Thermopane windows & surround sound speakers. A true laundry room includes custom cabinetry & side by side W/D. The east facing deck off the hallway is perfect for grilling. This is a dream Andersonville location being just steps away to shops, cafes, casual/fine dining, grocery, gyms & the farmers market. Easy walk to Red line, buses & soon a Metra stop.


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Compare mortgage rates
See the latest home loan interest rates from available right now from trusted lenders and get the best deal for you.
Finding a great mortgage doesn't have to be difficult, and Finder helps you compare mortgage rates from lenders. You can apply directly with the lender or contact a mortgage broker for expert help.
We regularly update our mortgage rates from lenders across New Zealand, including banks, non-banks, and credit unions.
Current mortgage interest rates
Interest rates indicated below are per annum (p.a.).
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
What is a mortgage?
A mortgage is the money you borrow from a bank or lender to purchase a home or investment property.
When you borrow funds from a lender, you then repay the amount according to a mortgage repayment schedule and the lender charges you interest.
The money you borrow is called the loan principal. The interest your lender charges you is determined by the mortgage's interest rate. In 2021, interest rates dropped to the lowest levels they've ever been, meaning it has never been cheaper to take out a mortgage.
How much of a deposit do you need?
New Zealanders typically borrow between 80% and 90% of a property's value, which means you need to save or gather together a deposit worth 10-20% of the property's value. The difference between the mortgage amount and your property's value is the deposit that you must pay. The percentage of your home's value compared to your mortgage amount is your loan to value ratio (LVR).
For example, if you want to buy a home worth $700,000, you need to save $70,000 to have a 10% deposit. Or you could save $140,000 for a 20% deposit, which allows you to take out an 80% mortgage.
The benefit of an 80% loan is that you won't need to pay lenders mortgage insurance (LMI).
For first home buyers, you may even be able to buy a home with as little as a 5% deposit without paying LMI as part of the First Home Loan scheme.
While most banks want to see evidence of genuine savings for your mortgage deposit, first home buyers may also have access to other grants to help them make up the deposit.
What is a typical mortgage (home loan) term?
A typical loan term for Kiwi mortgages is 30 years, although it may be possible to work with your bank or lender to choose a different length mortgage term, and with some loans, you can make extra repayments to repay your mortgage faster.
How do I avoid paying too much for my mortgage?
When you compare mortgages, the interest rate is often the first thing borrowers look at because the interest rate has the most significant impact on your repayment costs.
However, it's essential to look at other details, such as the purpose of your mortgage (whether you're buying a home or an investment property or you're refinancing an existing mortgage). Plus, your interest rate type (fixed or floating), repayment type (principal and interest or interest only), and which loan features you need.
There are a few more elements involved in finding the right mortgage for you. First, ask yourself the following questions:
Why do I need a mortgage?
The reason you need the mortgage is going to determine the type of loan you apply for. If you're borrowing money to buy a home to live in, you need an owner-occupier mortgage. If you're purchasing an investment property, you're looking for an investment loan.
If you're looking to buy an investment property, consider that investment loans typically have slightly higher rates than owner-occupier mortgages. In some cases, an investor may be less focused on finding the lowest possible interest rate and more interested in finding a loan provider with more generous lending criteria so that it's easier to receive approval.
If you already have a mortgage and you haven't reviewed it or made any changes in the last 12 months, it may be time to consider refinancing.
When you refinance your mortgage, you're essentially transferring your debt from one lender to another. There are mortgages for refinancing on the market that not only offer competitive interest rates but may offer a mortgage cashback simply for moving your loan.
Of course, before you refinance, you should work out any switching costs before applying for the new mortgage. However, refinancing can save you thousands of dollars in loan repayments and might only take a few hours of assembling paperwork and payslips to achieve.
Do I want a fixed or floating rate?
You can choose between a fixed or floating interest rate for your mortgage. A fixed-rate mortgage has an interest rate locked in for a fixed period (usually one to five years), while a floating rate can change at the lender's discretion.
Floating rate mortgages
Mortgages with floating interest rates can change at any time and typically offer more flexibility than fixed rates. There are no breaking costs associated with refinancing a floating rate mortgage, and they are more likely to come with features like extra repayments and offset accounts.
Floating rate mortgages are more suitable for those who wish to pay off their loan as quickly as possible, as extra repayments allow you to make more headway with your loan principal.
When it comes to making extra repayments, even small additional contributions add up. For example, let's assume you have:
- A loan worth $600,000
- Your interest rate is 2.5% on a 30-year floating rate mortgage
- You make an extra repayment of $100 per week, from day one of having the loan
According to these calculations, you will pay off your mortgage 6 years and 4 months sooner and save more than $58,000 in interest throughout the loan.
Fixed-rate mortgage
With a fixed-rate mortgage, you can lock in a specific interest rate for a period, typically between one and five years, which means you know what your repayments are each month because the rate doesn't change for this fixed time.
If your bank or lender increases their floating rate mortgages, your repayments aren't affected, and this applies whether interest rates rise or fall.
Fixed-rate mortgages are less likely to come with offset accounts or allow unlimited extra repayments. Plus, if you want to refinance a fixed-rate mortgage during the fixed period, there is a loan break cost to consider, which can be very expensive.
What mortgage repayment type do I need?
Another decision you have to make is your mortgage repayment type. Again, you have two options: principal and interest or interest only.
- Principal and interest repayments. With a principal and interest mortgage, you repay the money you borrow (the loan principal) plus the interest charges simultaneously, which means that your monthly repayments are higher. However, you actually repay your debt and pay less interest in the long run.
- Interest-only repayments. With interest-only repayments, you can avoid repaying any principal for an early period of the mortgage. Instead, you just pay the interest charges and ignore the loan principal. However, eventually, you have to pay back the mortgage, and making interest-only repayments for a while makes the overall loan more expensive.
Most borrowers in New Zealand opt for principal and interest mortgages because as you repay the loan, you gradually build home equity and own more of your property. Equity, if you're unaware of the term, refers to the value of your home minus any debt you owe on it. For example, if your home is worth $800,000 and you owe your lender $200,000, your equity is $600,000.
Why do some borrowers choose interest-only mortgages?
For investors looking to maximise their tax position, interest-only investment mortgages make sense. Interest costs are tax-deductible for investors, which means that the entire mortgage repayment is just interest (no principal), and you can claim the whole amount against your tax, which can help keep mortgage costs down for landlords.
While interest-only repayments don't allow you to make any headway with the mortgage principal, they do enable you to make progress with other non-tax deductible debts, such as your own home.
For example, suppose an investor has an owner-occupier mortgage and an investment mortgage. In that case, they may be better off paying the minimum possible amount (i.e. only the tax-deductible interest payment) on their investment loan. By doing this, they can funnel the extra funds into paying as much as possible off their owner-occupier mortgage.
Some owner-occupiers choose to make interest-only repayments when they have trouble covering repayments due to job loss or increased expenses, or perhaps because of a short-term financial change, such as being on maternity leave.
Bear in mind that when you choose an interest-only mortgage, you make no progress on the principal, so you should think carefully and consider getting professional advice from an accountant before choosing this repayment type. In addition, it's a good idea to consider how much rental income you receive for the property when deciding how much you can afford in mortgage repayments. If the rent doesn't cover the mortgage repayment, an interest-only mortgage could help to keep your monthly costs affordable.
Here's an example of the difference between the two repayment types:
Principal and interest vs interest-only repayments
|Principal and interest
|Interest only
|Loan amount
|Loan term
|30 years
|30 years
|Interest rate
|Interest-only period
|3 years
|Monthly repayments
|$933 (during the interest-only period)
$1,761 (after interest-only period)
|Total loan cost over 30 years
|The difference in overall cost
|$12,429 cheaper
|$12,429 more expensive
How do I compare mortgage interest rates?
A good mortgage comparison starts with a careful look at interest rates, as it's the key component. The lower the rate, the lower your repayments are. It's as simple as that.
Here's the difference in repayments between a 3.50% and a 3.00% interest rate (on otherwise identical mortgages with 20% deposits and principal and interest repayments).
|Interest rate
|Mortgage amount
|Mortgage term
|30 years
|30 years
|Monthly repayments
|Savings (monthly)
|$110 cheaper
|Savings (yearly)
|$1,320 cheaper
|Savings (life of the loan)
|$39,600 cheaper
Over 30 years, that tiny 0.5% difference in the interest rate could save a borrower an enormous $39,600 in interest charges.
How do I compare mortgage features and fees?
Beyond the interest rate, comparing mortgages means looking at fees and the various features they come with. A mortgage with the right features gives you more control over your money and unlocks new ways to use your loan to your advantage.
Comparison rate
The comparison rate does what its name suggests: it helps you compare a mortgage. This rate is a mortgage's interest rate, plus the cost of fees taken into consideration. It is a legal requirement to be displayed on all loans, but only a hypothetical calculation.
Not every mortgage comes with the same features. However, here are the standard, useful ones:
- Offset accounts. A 100% offset account attached to your mortgage is a bank account that lets you save and spend money like a standard savings account. However, any dollar saved in the account temporarily offsets your mortgage amount, meaning you are charged less interest. This feature allows you the flexibility to save cash while having a similar benefit you see from making extra repayments. Not every mortgage has an offset account.
- Extra repayments. If your mortgage allows you to make extra repayments, you can repay it faster, saving you in interest charges. These days most mortgages allow extra repayments, although some fixed-rate mortgages do not.
- Redraw facilities. A redraw facility is standard on mortgages that allow extra repayments. It's a feature that will enable you to withdraw your extra repayments from your mortgage and spend them if you need them. It's helpful in financial emergencies but less flexible than an offset account.
- Portability. If your mortgage is portable, that means you can sell your property and buy a new one with the same loan. You won't need to refinance, which makes life easier.
- Split facility. Some mortgages allow you to split your mortgage into both fixed and floating portions, which lets you create a flexible loan that offers the best of both fixed and floating rate types.
Loan-to-value ratio (LVR)
The loan-to-value ratio (or LVR) is another way of saying minimum deposit. For example, most mortgages have a maximum LVR of 80%, meaning you need a 20% deposit.
However, many mortgages also have a maximum insured LVR of up to 95%, which means you can get the loan with a smaller deposit. However, you need to pay lenders mortgage insurance (LMI) when your deposit is under 20%.
It's hard to go through the mortgage process without paying some fees. Therefore, you should always factor costs into your loan comparison.
Examples of mortgage fees include:
- Application fee. A one-off fee many lenders charge during the application stage.
- Ongoing fees. Some mortgages come with a monthly or annual fee.
- Valuation fee. The valuation fee covers your lender's cost to have your property valued by an expert.
- Legal fees. These pay your lender's conveyancing costs.
- Discharge fee. A discharge fee is only charged when you end a mortgage, either refinancing or repaying the loan.
How much can I afford to borrow?
Borrowers typically save a 10% or 20% deposit, which can be a huge amount of money. Here are some simple examples:
|Property value
|10% deposit
|20% deposit
Every lender works out your borrowing capacity with their own formula, which means the amount you can borrow varies. Their calculations depend on things like:
- Your income and expenses
- Your debts and liabilities
- Your deposit size
- The value of your property
- Your credit history
- Your employment history
To maximise your chances of having a mortgage approved or borrowing more, you should check your credit score in advance, minimise your spending in the months before applying for a mortgage and focus on paying down any outstanding credit card or personal loan debts.
How to compare lenders
Your choice of lender depends on which one offers a competitive mortgage that suits your needs, but critical in this comparison is finding a lender willing to lend to you.
What does this mean? A lender is taking a risk by lending you money. Every mortgage provider has a different appetite for risk, depending on the borrower's financial history and ability to repay the mortgage.
Here are some ways that lenders vary when it comes to your mortgage application:
- Property type. Some lenders aren't comfortable lending to people buying apartments in postcodes with many apartment buildings, as they see it as a higher risk. So they might only lend you 70% of the property value or reject your application.
- Location. Many lenders only lend to borrowers in specific areas, while smaller online lenders specify something like "metro and regional cities only".
- Deposit size. If your deposit is below 20%, you'll find that some lenders look at your application more closely or simply reject your application. Others happily lend 90% or more.
- Borrowing power. Every lender calculates your borrowing power slightly differently. As a result, you may find one lender willing to lend you tens of thousands of dollars more than another. Most mortgage providers have borrowing power calculators that you can use to understand better how much they can lend you.
The best way to work out if you have a good chance of receiving approval is to ask questions before submitting a complete application. For example, let your prospective lender know the postcode you're buying in, your property type and your deposit size (you can provide estimates if you haven't found a place yet but know roughly where and what you are looking for).
If the lender offers mortgage pre-approval, this can be a great way to get a clearer sense of what the lender can provide before submitting a complete application.
There are more factors that borrowers need to consider that are specific to each lender and require you to do some quick research.
- Customer service. Read online reviews to see what kind of customer service you can expect. You can also judge this yourself based on how helpful and responsive a lender is when you enquire.
- Application method and speed. If you need a mortgage organised quickly, an online lender with a fast application process could be a good option. However, if you want face-to-face guidance from a lending specialist, then a lender with a local office or branch is the way to go.
- Post-settlement service and mortgage tools. Once you get the mortgage, your relationship with the lender is just beginning. First, check to see if the lender has an app or convenient online service that allows you to track your repayments. If the mortgage has an offset account, check how you can access any money you've saved. For example, the lender may have online banking but no app.
How do I apply for a mortgage?
Once you finish your mortgage comparison, you need to apply for a mortgage. However, remember that the mortgage is just one part of the home buying process, which involves a property search, inspections, conveyancing and much more.
Here's a general breakdown of how the home buying and mortgage journey works (although everyone's own experience looks a little different):
1. Figure out your borrowing capacity and budget
Look at your income and expenses to work out how much you can afford to borrow. Next, look at prices in the area you are keen to buy in and get a realistic sense of your budget. This step guides your whole buying journey.
2. Save a deposit
You need at least 5% of the property's value saved. However, having a 20% deposit puts you in a much stronger position when you approach a lender.
3. Find a property
The search for the perfect property can be a long one, but it's essential to get it right. Look online, go to as many inspections as you can and find the home or investment that's right for you.
4. Compare mortgages
Find a mortgage that suits your borrowing needs and has a competitive interest rate. You can also consider mortgage pre-approval, where a lender has a cursory look at your savings, income, and expenses and suggests an amount they may be willing to lend you. It's not binding, but it can help you know your borrowing capacity while looking for properties.
5. Sign a sale and purchase agree
Once you and the vendor have agreed on a price for the property, you sign a sale and purchase agreement, which means the property is under conditional contract. It is also time to talk to a licensed conveyancer who looks over the contract and guide you through settlement.
6. Apply for a mortgage
Once you buy your property, it's time to apply for a mortgage officially. You need documents to establish your identity, payslips and account information, plus the property address.
7. Approval and settlement
Your lender approves your application (fingers crossed), and now you wait until settlement day, the day you legally become the property owner, and the mortgage begins. There's not much to do but wait at this point, although your conveyancer or lender may request additional information from you. Now is an excellent time to get your home and contents insurance sorted. Before settlement, your conveyancer, the seller's conveyancer and the lender's conveyancer all communicate and perform the necessary legal checks to complete the transfer of the property title and the provision of funds.
8. Get the keys and move in
After settlement, the place is all yours. Now you have to focus on paying off your mortgage.
How can a mortgage broker help?
With a bit of research, it's pretty simple to find a suitable mortgage yourself. However, if you are still a bit confused or have a complicated situation (if you have multiple properties or you're a self-employed borrower), then you can talk to a mortgage broker.
Mortgage brokers in New Zealand are licensed professionals who can make a mortgage comparison for you and find you a suitable loan. Brokers can't compare the whole market, but they have access to a panel of lenders. So a broker not only helps you pick a mortgage but also guide you through the paperwork and application to settlement.
The services of a mortgage broker are usually free for the borrower. That's because your lender pays the broker a commission. Take a more in-depth look at how a mortgage broker can help.
Bottom line
Buying a house is among the most significant investments most of us make. Set yourself up for long-term success by narrowing down the type of mortgage that fits your needs, budget and property. A decent rate and term can provide peace of mind and save you thousands over the life of your mortgage.
Read more on this topic
What does "under conditional contract" mean?
The words "under contract" don't necessarily mean that a property sale is a done deal. Find out more about this term here.
Mortgage calculator
In five steps our free and independent home loan repayment calculator tallies your minimum monthly, fortnightly or weekly mortgage repayments.
Mortgage repayment holidays
If you've been struggling to pay your mortgage due to financial hardship you may be able to apply to your lender for a mortgage repayment holiday.
The Homestar rating explained
Want to know more about the Homestar rating? We discover how it works and how to get a Homestar rating for your building project.
How to use KiwiSaver to buy a home
Your KiwiSaver funds are not just for retirement. Find out how you can use the KiwiSaver first-home withdrawal to help purchase your first home.
Reverse mortgages
Find out how reverse mortgages can allow you to access the equity in your home to pay for retirement costs.
Lenders that offer free property valuations
If you are looking at selling, buying or refinancing a home, a property valuation helps determine your property's worth.
Why vendor finance may be too risky to try
Vendor finance refers to ways in which you can start owning and paying off your home even if you have poor credit or employment history, or you're unable to qualify for a traditional home loan for any other reason.
What is the maximum age for a mortgage?
While lenders can't discriminate against borrowers based on their age, they also have a duty to ensure borrowers can pay off their loan.
How is interest calculated on a mortgage?
Working out how interest is calculated on a mortgage can help you determine your repayment capabilities and how to pay it off sooner.


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Truth (2015) movie review: Cate Blanchett delivers a great star turn in this engrossing but less than objective docudrama. Robert Redford costars.
Movie Reviews
Bread and Butter (2014) movie review: Indie comedy-drama provides evidence that late-life virginity is detrimental to your emotional health.
Lord Montagu (2013) movie review: Real-life victim of British anti-gay bigotry went on to become a successful businessman and popular jet-setter.
Mission: Impossible - Rogue Nation (2015) movie review: Tom Cruise continues to outrun them all in Christopher McQuarrie's thrill ride.
In Stereo (2015) movie review: Sharp and well-acted romantic comedy feels like a throwback to edgy American indies of years past.
Amy (2015) movie review: Asif Kapadia's remarkable Amy Winehouse documentary chronicles the rise and fall of the tragic singer.
Bert Williams: Lime Kiln Club Field Day (1913) movie review: Long-forgotten silent offers a rare look at black people's lives in the early 20th century.
The Donovan Affair (1929) movie review: Frank Capra's largely forgotten first all-talkie is now a silent. Jack Holt and Agnes Ayres star.
Ménilmontant and Emak-Bakia movie reviews: Avant-Garde Paris' memorable offerings for those willing to take a chance.
Spy (2015) movie review: Melissa McCarthy rises to the occasion in Paul Feig's transgressive feminist comedy. Jason Statham and Miranda Hart costar.
Mad Max: Fury Road (2015) movie review: Charlize Theron is the de facto 'hero' in George Miller's post-apocalyptic actioner. Tom Hardy costars.
Avengers: Age of Ultron (2015) movie review: Joss Whedon entry works well enough as a 'stand alone' title, but the MCU is starting to feel stale.
Selma (2014) movie review: Ava DuVernay's 'Martin Luther King Jr. in Alabama' drama is a reminder that Civil Rights events remain disturbingly relevant.
Autumn Crocus (1934) movie review: West End legend Ivor Novello stars in wistful romantic drama about middle-aged longing. Fay Compton costars.
Whiplash (2014) movie review: Damien Chazelle directs a visually and aurally accomplished drama that gives J.K. Simmons a devil of a role.
Love Is Strange (2014) movie review: John Lithgow and Alfred Molina add depth to Ira Sachs' moving gay romantic drama. Marisa Tomei costars.
Transformers: Age of Extinction (2014) movie review: Latest Michael Bay entry in his loud and dumb franchise is the least irksome so far.
Jersey Boys (2014) movie review: Clint Eastwood prosaically tracks the humdrum rise and fall of Frankie Valli (John Lloyd Young) and the Four Seasons.
Edge of Tomorrow (2014) movie review: Tom Cruise single-handedly brings to gripping life Doug Liman's otherwise absurd sci-fi actioner.
The Girl in Tails (1926) movie review: Karin Swanström and Hjalmar Bergman show that to fight oppression women must stand up and scandalize.
Song of the Fishermen (1934) movie review: Cai Chusheng drama depicts the dehumanizing results of China's stratified class system.
X-Men: Days of Future Past (2014) Movie Review: Bryan Singer Directs Adult-Oriented Superhero Thriller
Featuring elements from a few 'dystopian future prevention' thrillers, Bryan Singer's X-Men: Days of Future Past is a superhero film for adults.
Nymphomaniac: Vol. II (2013) movie review: Lars von Trier delivers sequel that is more daring and philosophical. Charlotte Gainsbourg stars.
Captain America: The Winter Soldier (2014) Movie Review: Robert Redford Makes Thrilling Appearance in Impressive Actioner
Captain America: The Winter Soldier (2014) movie review: Another first-rate Marvel-Disney effort. Chris Evans and Robert Redford star.
Nymphomaniac: Vol. I (2013) movie review: Lars von Trier shows once again his cinematic genius in this starkly funny effort. Shia LaBeouf stars.
Ant-Man (2015) movie review: Paul Rudd is both genial and superficial in Peyton Reed's 'just okay' entry in the Marvel Cinematic Universe.
The Cave of the Silken Web (1927) movie review: Long thought lost Chinese blockbuster remains intriguing thanks to its focus on some fierce women.
Teacher of the Year (2014) movie review: Indie comedy presents its views on education in a cleverly humorous manner. Matt Letscher stars.
Interstellar (2014) movie review: Christopher Nolan sci-fier is a grandiose achievement that ultimately fails to fulfill its thematic promise.
Boyhood (2014) movie review: Richard Linklater brilliantly tackles the effects of the passage of time. Ethan Hawke and Ellar Coltrane costar.
Midnight Madness (1928) movie review: One hour of unadulterated fluff fails to justify the titillating title. Clive Brook and Jacqueline Logan star.
The Amazing Spider-Man 2 (2014) Movie Review: Andrew Garfield Returns in Marc Webb's Mediocre Sequel
The Amazing Spider-Man 2 (2014) movie review: Andrew Garfield is back in Marc Webb's sequel that reeks of corporate demands. Emma Stone costars.


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Painting the Panel
Nothing to fantastic here. I put my screws in a piece of cardboard so that I could paint them too. Then I masked off the panel and primed and painted it.
One note about priming. This was my first experience with DX-1791 primer. I was told to NOT put it on too thick, as the etching chemicals need to react with the metal. If you put it on too thick, after you paint, eventually the un-used chemicals will cause the paint to come off in sheets. On my first spraying, I had it WAY too thick and hated how it turned out. I used Acetone or MEK and wiped it all off and then re-shot ti. Turned out great that time.
Panel Home


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Why People Dream About Their Teeth Falling Out
It's a common dream theme and not just for teeth-obsessed Americans
It happens all the time.
I'm eating and all of a sudden something doesn't feel right. While I'm chewing, a tooth falls out. Sometimes, even a few teeth are gone. I run to the nearest mirror, and when I see my reflection, I'm horrified by the…


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IRVINE, CA, USA, Jan 11, 2021 – EON Reality, the global leader in Augmented and Virtual Reality-based knowledge and skills transfer for industry and education, is excited to announce the inaugural EON-XR Global Event on January 26, 2021.
For the livestream event, EON Reality will welcome 5,000 of its top partners, clients, and industry connections to see what the future holds for its flagship platform in the new year. In addition to going over the recent EON-XR 8.2 update in detail, the event will reveal exciting upcoming features and hear updates from some of EON Reality's biggest partners and power users around the globe.
The stream will also feature presentations about the future of EON-XR from EON Reality's executive, product development and customer success departments to provide insight into the new offerings from every angle.
"I am super excited about the inaugural EON-XR Global Event, because I truly believe this is an opportunity to show the world what we have been up to. Although I'm disappointed we won't be able to do it in-person, there's no better way to demonstrate the remote capabilities of EON-XR than hosting an event like this over the internet. I look forward to reconnecting with all of our existing partners as well as making new connections both during and after the live event." Dan Lejerskar, Founder of EON Reality.
The EON-XR Global Event begins at 8AM PST / 17:00 CET on January 26 and will last approximately one hour. Full agenda to come in the following weeks.
About EON Reality
EON Reality is the world leader in Augmented and Virtual Reality-based knowledge and skills transfer for industry and education. EON Reality's 21 years of success are tied to its belief that knowledge is a human right and should be available, accessible, and affordable for every human on the planet. To carry this out, EON Reality has developed the de-facto standard for Augmented Reality and Virtual Reality-based knowledge and skills transfer software that supports devices from mobile phones to large immersive domes. EON Reality's global development network — with more than 20 locations worldwide — has created the world's leading AR/VR library for education and industry with over 8,000 applications and over 40 million users worldwide. For more information, visit https://eonreality.com.


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Meghan Markle's Former Aide Behind Bullying Accusation Gives New Statement Against Her
Meghan Markle's former aide who accused her of bullying has given a witness statement against her to a U.K. tabloid, raising the stakes in a major court appeal.
The Duchess of Sussex sued the Mail on Sunday for breaching her privacy and copyright by printing a letter she sent her father Thomas Markle begging him to stop talking to the media.
She won an emphatic victory in February and told the world of the newspaper's "illegal and dehumanizing practices" in a triumphant statement.
The tabloid initially argued she intended the letter to become public, viewing it as part of a media strategy at a time when royal protocol stopped her speaking publicly.
However, since lodging an appeal the publisher has changed tack and now says she wrote it knowing it had the potential to become public.
The Mail on Sunday has asked the Court of Appeal in London to admit as supporting evidence a witness statement from her former communications secretary, Jason Knauf.
The Texas-born former staffer wrote a now-famous email in October 2018 accusing Meghan of bullying two PAs out of Kensington Palace and expressing concern for a third staff member.
The emotional stakes were already high since a victory for the tabloid would mean a trial in which Meghan would be expected to testify and hand over private documents.
Her own lawyers have said it would involve further violations of her privacy in their filing to the court.
However, Knauf's intervention adds an extra layer as it cuts to an issue that Prince Harry has previously said left Meghan crying into her pillow.
The ex-aide's 2018 email was leaked to U.K. newspaper The Times and published just days before the couple's bombshell Oprah Winfrey interview, in which the duchess accused the palace of leaking false stories about her to the media.
The Mail on Sunday's lawyers said that Knauf's evidence will contradict Meghan's if the judges allow it to be admitted.
A court filing seen by Newsweek reads: "If permission is granted by the Court of Appeal to introduce Mr Knauf's recent witness statement, [The Mail on Sunday] will rely on it as evidence that [Meghan] considered it at least a serious possibility that the letter would be made public by her father and crafted the letter with that possibility specifically in mind.
"[Meghan's] pleaded case is very different, namely that she did not even suspect that he would disclose the letter."
The newspaper's lawyer, Andrew Caldecott, indicated in court he will argue the document "raises questions about her credibility."
The Mail on Sunday argued in the original lawsuit that Meghan's right to privacy over the letter was undermined by the fact it was referenced in a biography, Finding Freedom, about her and Prince Harry.
They said she briefed its contents to the authors as part of her PR strategy, a claim which she denies, though her lawyers did acknowledge authorizing a person to give Omid Scobie and Carolyn Durand some information.
Knauf appears to have also given information to the newspaper about the book.
A court filing describes the tabloid's case as being that Meghan "co-operated with the authors of the book, which [The Mail on Sunday] stands by (and which is now supported by Mr Knauf's witness statement). Co-operation through friends or other agents is as much co-operation as direct communication."
A filing by Meghan's lawyers, seen by Newsweek, reads: "[The Mail on Sunday's] conduct of the litigation is not just needlessly expensive and attritional but intrusive—in particular in its attempts to force her to open up further aspects of her private and personal life and that of her friends."
It added: "To permit the defense to go to trial would only have facilitated further invasions of [Meghan's] privacy, all flowing from its publication of a private and deeply personal letter, whilst giving [The Mail on Sunday] the opportunity to profit handsomely from the media circus that would inevitably result."
Jason's 2018 email read: "I am very concerned that the duchess was able to bully two PAs out of the household in the past year.
"The treatment of X [name removed] was totally unacceptable."
He added: "The Duchess seems intent on always having someone in her sights. She is bullying Y [name removed] and seeking to undermine her confidence.
"We have had report after report from people who have witnessed unacceptable behavior towards Y [name removed]."
The message was leaked to U.K. newspaper The Times in the days before the Oprah Winfrey interview in March.
Prince Harry told his Apple TV series The Me You Can't See in May: "The interview was about being real, being authentic and hopefully sharing an experience that we know is incredibly relatable to a lot of people around the world despite our unique privileged position.
"But before the Oprah interview had aired, because of their headlines, and that combined effort of the firm and the media to smear her, I was woken up in the middle of the night to her crying in her pillow because she doesn't want to wake me up, because I'm already carrying too much.
"That's heartbreaking. I held her, we talked, she cried, and she cried, and she cried."
The case will be heard over three days from November 9 to November 11 before the judges will reach a decision, some time after that.
Update 11/09/21, 2:53 p.m. ET: This article was updated with additional information.


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Prayer of the Day
Daily PrayerJune 25th, 2015
In today's Gospel Jesus is not talking to atheists or agnostics. He is talking to people who think that they are on the right road when in fact they haven't even begun the journey of true discipleship. Jesus wants us to not only listen to his word but to put it into practice. The message of Jesus is one of humility and charity. He teaches transformation of the inner person. Love is to become our motivation. The Beatitudes are his blueprint for Christian living. Jesus wants us to be 'poor in spirit' in other words humble. Humility is the realization that all our gifts and blessings come from God. To have poverty of spirit means to be completely empty and open to the Word of God. When we are humble we are able to accept our faults and failings, repent and allow the grace of God to lead us to conversion. Jesus wants us to be 'pure in heart' which means being pure of all self-seeking desires. He wants us to be filled with the blessings of peace so that we can communicate it to those who need it. For some people following Jesus may even mean persecution and we must be ready to accept it in whatever form or shape it comes in.


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What is Table2Site?
Build sites without coding — use an Airtable base as your CMS. Build several pages within your content sheet. Each row represents a section on a page. We offer predefined sections such as contact forms, newsletter signups, text sections, etc...
Table2Site is a tool in the Website Builder category of a tech stack.
Who uses Table2Site?
Table2Site Integrations
Pros of Table2Site
Easy tool to turn an Airbase base into a website
Table2Site Alternatives & Comparisons
What are some alternatives to Table2Site?
See all alternatives
Whether you need simple pages, sophisticated galleries, a professional blog, or want to sell online, it all comes standard with your Squarespace website. Squarespace starts you with beautiful designs right out of the box — each handcrafted by our award-winning design team to make your content stand out.
Creating your stunning website for free is easier than ever. No tech skills needed. Just pick a template, change anything you want, add your images, videos, text and more to get online instantly.
Weebly is an AJAX website creator that allows you to create pages with template skins and content widgets. Users can easily drag-and-drop content widgets like pictures, text, video and Google Maps in WYSIWYG-fashion.
It is a visual programming language that lets you build a fully-functional web app without writing code. Users have built marketplaces, CRM tools, social networks. Engineers can focus on new features and add them as plugins with code, while business people can focus on the customer-facing product.
It is a business management software including CRM, e-commerce, billing, accounting, manufacturing, warehouse, project management, and inventory management.


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Chicken tenders are always a big hit with the kiddies, creamy baked pasta is another winner, but put the two together and you've got a home run for kids and adults.
I've always been a big fan of chicken tenders. They're easy to make, always delicious, and my son adores them. Another easy go-to dinner choice is baked pasta, especially when it's cold and rainy outside. Its heavy creaminess just warms my soul. Unfortunately, my toddler's not quite as big a fan.
I never considered putting them together since they're so perfect on their own, but thankfully Taste of Home did. If I hadn't found that recipe, I never would've had this scrumptious dinner that's the perfect answer to "What do I do with that half box of penne on the shelf and those five or 10 chicken tenders left in the freezer?"
Baked pesto chicken penne recipe
- 13-ounces penne pasta
- 10 to 12 frozen chicken tenders
- 2 cups shredded cheddar cheese
- 1 cup plain yogurt
- 1 cup ricotta cheese
- 1/3 cup heavy cream
- 1/2 cup prepared pesto
- 1/2 cup Parmesan cheese, separated
- 1/2 cup Panko bread crumbs
- 1/4 cup butter, melted
- Cook penne and chicken tenders according to package directions. Meanwhile, in a large bowl, combine cheddar cheese, yogurt, ricotta, cream, pesto, and Parmesan cheese.
- Chop up chicken tenders and drain penne; add both to cheese mixture and toss to coat; transfer to a 3-quart baking dish. Combine bread crumbs and butter and sprinkle over top.
- Bake, uncovered, for 25 to 30 minutes, or until heated through and golden brown. Serve immediately.
More pasta recipes
Lasagna with béchamel and meat sauce
Sausage, cheese & sun-dried tomato pasta
Spaghetti carbonara