Via by Andy Sowards on 2/28/13 The web has changed the lives of many over the years – none have benefited more from this change than designers and developers! Many tools that programmers, designers, and developers use on a daily basis now live in the cloud (there is that word again! Lol) so naturally this has extended into the code editor world (also known as html editors, text editors, etc.)!

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This advancement has really streamlined the design and development process even further – making it possible to even develop code from anywhere! No downloads, no bulky software, just a pleasurable and fast coding experience – think of the possibilities! Via by dannycooke on 2/28/13 is a traditional sign-writer/designer specialising in high-quality ornamental hand-crafted reverse glass signs and decorative silvered and gilded mirrors. David recently produced a wonderful turn-of-the-century, trade-card styled album cover for popular American singer/songwriter.

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This film captures the 'Behind The Scenes' creation of the 'Born & Raised' and 'Queen of California' artwork, as well as 2 unique reverse glass panels, hand-crafted in England by David A. Via by Ovsyannykov on 2/18/13 Parallax scrolling is a special scrolling technique in computer graphics, wherein background images move by the camera slower than foreground images, creating an illusion of depth in a 2D video game and adding to the immersion. The technique gained much popularity in the last few years, along with web designers constantly pushing the limit on creativity. Today we collected some of the best parallax scrolling website designs we could find.

We believe they offer an enjoyable user experience and also promote interesting ideas for you to rebound. Guide to the App Galaxy inTacto Cantilever. Via by Andy Sowards on 2/18/13 Thanks to the increasing popularity of the social websites and the ease of sharing information across the internet, everybody wants to have an online environment to connect with others and to promote their ideas. More than that, if you own a business it is extremely important to have a website. No more excuses because your clients want to see you, to read more information about you and to talk about you with their friends.

Not having a website is exactly the same as not wanting to evolve. So, if you decided that you do need one, what can you do? Well you either hire someone to make it or you do it yourself. Creating a website requires a lot of experience which obviously costs a lot of time and money, so if you don't have a big budget, then the second solution is the best for you.

Compare Loan Types The most common loan terms are. Depending on your financial situation, one term may be better for you than the other. With a 30-year fixed-rate mortgage, you have a lower monthly payment but you’ll pay more in interest over time.

A 15-year fixed-rate mortgage has a higher monthly payment (because you’re paying off the loan over 15 years instead of 30 years), but you can save thousands in interest over the life of the loan. Loan Term 30 Year Fixed 15 Year Fixed Monthly Payment $1,111 $1,111 Mortgage Rate 1.11% 1.11% Total Interest Paid $1,111 $1,111. This calculator determines how much your monthly payment will be for your mortgage.

We take your inputs for home price, mortgage rate, loan term and downpayment and calculate the monthly payments you can expect to make towards principal and interest. We also add in the cost of property taxes, mortgage insurance and homeowners fees using loan limits and figures based on your location. You can also manually edit any of these fees in the tax insurance & HOA Fees section of this page.

We also calculate the way that your mortgage balance changes over time as you make payments towards principal and interest. These figures do not include the payments made to taxes or other fees. Have additional questions about this calculator? Feel free to email our expert at!read more. Michelle Lerner Home Buying As SmartAsset’s home buying expert, award-winning writer Michele Lerner brings more than two decades of experience in real estate.

Michele is the author of two books about home buying: “HOMEBUYING: Tough Times, First Time, Any Time,” published by Capitol Books, and “New Home 101: Your Guide to Buying and Building a New Home.” Michele’s work has appeared in The Washington Post, Realtor.com, MSN and National Real Estate Investor magazine. She is passionate about helping buyers through the process of becoming homeowners. The National Association of Real Estate Editors (NAREE) honored Michele in 2016 and 2017 with the award for Best Mortgage or Financial Real Estate Story in a Daily Newspaper.read more. Factors in Your Virginia Mortgage Payment One of the first things to add on to your mortgage payment on top of principal and interest are property taxes. Fortunately for Virginia homeowners, the state’s property taxes are well below the national average. County range anywhere between 0.4% to around 1.5% of your home’s assessed value.

Your property is assessed for fair market value in two- to six-year cycles in Virginia. Cities are scheduled to reassess every two years and counties every four years. The closer you live to certain desirable areas such as the coast or Washington, D.C., the higher the property taxes. But overall, Virginia has relatively low property tax rates. One perk of homeownership is that (up to $1,000,000).

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Typically, homeowners can double their deductions by including mortgage interest on income taxes, as well. The same goes for Virginia, which tends to follow federal guidelines for itemized deductions. In Virginia is in the top third of the most expensive premiums in the U.S. The average annual premium was $1,262 in 2017, which made it the 18 th-most expensive in the U.S. If you’re planning on buying a home near the coastline, you’ll probably need to calculate the added cost of flood insurance on top of your homeowners insurance policy. Standard homeowners insurance doesn’t cover flooding, which if it happens, can cause thousands of dollars’ worth of damage.

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Costs to Expect When Buying a Home in Virginia Before your monthly payments start, you’ll have to pay a slew of additional costs on your mortgage closing day. Cover all sorts of administrative charges ranging from mortgage origination fees to credit reports, government recording fees and more. In Virginia, you’ll have to set aside roughly 2% to 4% of the purchase price to cover closing costs. Resource Problem or Issue Who Qualifies Website Virginia Housing Development Authority Provides homeownership education, housing counseling, mortgage credit certificates and down payment assistance. Eligible first-time homebuyers who complete a homebuyer education course. Virginia Department of Housing and Community Development Provides down payment assistance (of up to 10 percent of the purchase price) and up to $2,500 in closing cost assistance. Eligible homebuyers who complete a homeownership education course.

USDA Rural Development - Single family loans Offers payment assistance to increase an applicant’s repayment ability. Applicants must be without decent, safe and sanitary housing; Be unable to obtain a loan from other resources on terms and conditions that can reasonably be expected to meet; Agree to occupy the property as your primary residence; Have the legal capacity to incur a loan obligation; Meet citizenship or eligible noncitizen requirements; Not be suspended or debarred from participation in federal programs. Home Affordable Refinance Program Refinancing. Single-family homes and condos that fit within lending loan limits. There are a variety of ways potential Virginia homeowners can use state and national programs to help reduce the financial load of buying a house. One resource is the Virginia Housing Development Authority (VHDA), which offers homeownership education, mortgage credit certificates for first-time homebuyers, down payment assistance grants and housing counselors.

On top of all the online resources, you can also find VHDA in-person homebuyer education in a variety of cities. If you can’t find one near you, online and TV show versions are available. The VHDA down payment assistance program can help first-time homebuyers with a percentage of the purchase price (2% - 2.5%) for eligible VHDA loans. You will need to meet certain criteria such as minimum credit scores and a maximum debt-to-income ratio of 45%. To learn more you can visit the VHDA website.

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Another resource available to homebuyers is the Virginia Department of Housing and Community Development (DHCD). You’ll find a large cache of information ranging from a landlord tenant handbook, which is helpful if you plan on renting out your property, to details regarding a livable homes tax credit, to the down payment assistance (DPA) program. If you’re interested in the latter, you need to be a first-time homebuyer at or below 80% of the area median income.

If you’re looking to buy in a rural area, Virginia is eligible for the United States Department of Agriculture Rural Development (USDA) program. The property must be in an eligible rural area and you have to have a low or moderate income to qualify. To find out more, you can read the program criteria found on the website. And if you’re looking for more information about life in the Old Dominion, we have you covered. Check out, where you can learn more about healthcare, transportation costs, food prices and more.

Finally, if you’re moving from out-of-state, we have a list of 15 helpful tips you should.