The Health Benefits of Granny Smith Apples, Healthy Eating, SF Gate, granny 8 mortgage.#Granny #8


The Health Benefits of Granny Smith Apples

Granny 8 mortgage

Granny Smith apples are full of antioxidants that improve health.

You already know fruit is an indispensable part of your diet, and Granny Smith apples are one of the healthiest choices you can make. With a distinct tart flavor, they’re among the lower-sugar fruits you can eat, and they’re loaded with fiber and phytonutrients that benefit your health. Eat’em on their own or include them in healthy recipes to reap their benefits.

Basic Nutritional Information

Like most fruit, Granny Smiths are relatively low-cal. A 5-ounce apple has 70 calories, which makes it easy to fit into virtually any calorie-controlled diet. Most of those calories come from the apple’s 17 grams of carbohydrates, made up primarily of natural fruit sugar. Fruit sugars are a good source of fuel, so chomping on a Granny Smith apple can provide a modest energy boost to get you through a 3 p.m. slump or prepare you for a tough workout. However, Granny Smiths are slightly lower in carbs than other varieties of apples – about 3 grams less, on average. If you’re following a moderately low-carb diet, Granny Smith apples are a great choice.

Benefits from Fiber

Where Granny Smith apples shine is their fiber content. Each apple has about 3 grams of fiber, which covers roughly 12 percent of the daily recommended fiber intake for women and 8 percent for men. Fiber is important for maintaining a healthy weight, because it makes your food more filling without contributing to its calorie count. Eating fiber-rich meals also helps manage your cholesterol levels, and a diet rich in fiber supports healthy digestive health, fighting constipation and other digestive problems, like diverticulitis.

Beneficial Phytonutrients

Granny Smith apples are also a good source of beneficial plant compounds, called phytonutrients. Phytonutrients offer a range of health benefits, from anticancer properties to antioxidant functions that protect your cells from genetic mutations. Granny Smith apples might have particularly potent antimutation properties, according to a study published in the Journal of Food Science in 2016. When the researchers studied the antimutagenic potential of a range of apples, Granny Smiths came out on top, besting popular varieties like Red Delicious and Royal Galas. While you shouldn’t read too much into test tube studies like this one – since they aren’t as accurate as human studies – it does hint that Granny Smith apples might offer special health benefits due to their phytonutrients.

Eating More Granny Smith Apples

Granny Smith’s tartness is the most distinct part of their flavor profile. That means you can include them in healthy recipes to add a little bit of extra sweetness without adding too much. Add chopped Granny Smith apples to bran or whole-grain muffins for potent pops of flavor, or use thinly-sliced apples to top your cereal or smoothie bowl. Green apple also makes a great addition to smoothies if you want to limit your sugar intake. Blend them with coconut water, baby spinach, avocado and cucumber for a veggie-packed smoothie that’s high in nutritional value and relatively low in calories and carbs.

References (4)

About the Author

Sylvie Tremblay holds a Master of Science in molecular and cellular biology and has years of experience as a cancer researcher and neuroscientist. Based in Ontario, Canada, Tremblay is an experienced journalist and blogger specializing in nutrition, fitness, lifestyle, health and biotechnology, as well as real estate, agriculture and clean tech.


Son, mum, and granny all killed in Mayo collision as 5 crash victims named, granny


granny 8 mortgage

The victims of yesterday’s tragic crashes which claimed five lives, have been named.

Three generations of the same Mayo family died when the car carrying seven-year-old Sean Wilson, his mother Marcella and her mother Mary-Ann was in collision with a truck.

The three were travelling on the N17 Galway to Sligo Road at Lisduff when the crash happened at about 12.30pm. All three were from the Binghamstown area of north Co Mayo.

Mary Ann Wilson lived in the townland of Cross, Binghamstown, on the Erris Peninsula, with her husband, Josie. Marcella is survived by her three other children – Amy (16), Kelly (14) and Anthony (8).

Granny 8 mortgageThe scene at yesterday’s cdrash. Picture: Conor McKeown

Meanwhile in Cork, two US tourists lost their lives when their rental car was in collision with a truck on the N20 Cork to Mallow road.

James Baker, 62, from Columbia Indiana, and Peggy Sue Adams, 57, from Ohio, were travelling with companions, heading towards Cork city, when the crash happened at around 11am.

The deceased are thought to be the driver’s wife and a cousin of the driver. The lorry driver was uninjured. The driver of another car was taken to hospital with non-life threatening injuries.

Road Safety Authority spokesman Brian Farrell said it was “a dreadful day for road safety”.

“If anything is to come from this loss of life, we would hope it would serve as a reminder that using the roads is the most dangerous thing that we do each day,” he said.

“We would renew our call to all road users to be vigilant when using the roads by slowing down, wearing seatbelts and not driving while tired or fatigued.”

Granny 8 mortgageThe scene of the Cork crash. Picture: John Delea


Son, mum, and granny all killed in Mayo collision as 5 crash victims named, granny


granny 8 mortgage

The victims of yesterday’s tragic crashes which claimed five lives, have been named.

Three generations of the same Mayo family died when the car carrying seven-year-old Sean Wilson, his mother Marcella and her mother Mary-Ann was in collision with a truck.

The three were travelling on the N17 Galway to Sligo Road at Lisduff when the crash happened at about 12.30pm. All three were from the Binghamstown area of north Co Mayo.

Mary Ann Wilson lived in the townland of Cross, Binghamstown, on the Erris Peninsula, with her husband, Josie. Marcella is survived by her three other children – Amy (16), Kelly (14) and Anthony (8).

Granny 8 mortgageThe scene at yesterday’s cdrash. Picture: Conor McKeown

Meanwhile in Cork, two US tourists lost their lives when their rental car was in collision with a truck on the N20 Cork to Mallow road.

James Baker, 62, from Columbia Indiana, and Peggy Sue Adams, 57, from Ohio, were travelling with companions, heading towards Cork city, when the crash happened at around 11am.

The deceased are thought to be the driver’s wife and a cousin of the driver. The lorry driver was uninjured. The driver of another car was taken to hospital with non-life threatening injuries.

Road Safety Authority spokesman Brian Farrell said it was “a dreadful day for road safety”.

“If anything is to come from this loss of life, we would hope it would serve as a reminder that using the roads is the most dangerous thing that we do each day,” he said.

“We would renew our call to all road users to be vigilant when using the roads by slowing down, wearing seatbelts and not driving while tired or fatigued.”

Granny 8 mortgageThe scene of the Cork crash. Picture: John Delea


Tips on Growing a Granny Smith Apple Tree, Home Guides, SF Gate, granny 8 mortgage.#Granny


Tips on Growing a Granny Smith Apple Tree

Granny 8 mortgage

Granny Smith apples do not redden when ripe.

Crisp and sweet, Granny Smith apples are excellent for cooking as well as crunching. The fruit is a lively green with pale dappling, and grows on a Granny Smith apple tree (Malus x domestica Granny Smith ). It pays to lavish care on your Granny Smith tree since it can grace your yard for more than 50 years.

Where to Plant

The Granny Smith cultivar originated in Australia, and requires minimal winter chill hours to produce fruit. It thrives in U.S. Department of Agriculture plant hardiness zones 6 through 8. Plant it in full sun; the Granny Smith requires at least six hours of direct sun to fruit. As with other apple varieties, avoid planting the tree in low areas where the air may be chilly or damp.

Spacing

When planting your Granny Smith sapling, remember that a standard tree will swiftly grow to its mature height of 12 to 16 feet tall, with a width of 10 to 14 feet. Space your tree with enough elbow room that it can mature and still get full sun. If your back yard does not allow sufficient space, purchase a dwarf Granny Smith instead of a standard tree. Most dwarf apple trees are grafted on a size-limiting rootstock, but produce full-size apples.

Pollination

Although some apple trees have flowers with both male and female parts, your Granny Smith apple tree needs a significant other to produce fruit. Unless a near neighbor has an apple tree, you need to plant a second tree within 50 feet of the first. Nearly any type of apple tree will do, as long as it blooms in spring like the Granny Smith. Alternatively, purchase a grafted apple tree that produces several varieties of apples on different branches.

Care of Young Trees

A mature Granny Smith requires regular watering, especially in dry periods, but young trees require even more. Water a newly-planted apple tree every week, using low water-pressure and allowing the water time to sink into the soil; this encourages the development of deep roots. Spread a thick layer of compost around the tree in spring and late fall as a mulch. Check your soil for nutrients, especially potassium, calcium and boron; apply appropriate fertilizer if the level of any of these vital nutrients is low.

Fruiting

Do not allow your young Granny Smith to fruit before its roots are established. Remove apple blossoms during the tree’s first two growing seasons and limit the crop its third year. Even when the Granny Smith is mature, thinning apples makes room for quality fruit to develop. Find fruit clusters and clip off the smaller apples before they are 1 inch in diameter.


Property: Buying, selling – renting, granny 8 mortgage.#Granny #8 #mortgage


Property

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Granny 8 Mortgage: Mortgage Refinancing Online #how #much #mortgage


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Granny 8 mortgage This essentially means that for the duration of your loan, your interest rate will not change. granny 8 mortgage Ensure you avoid wasting time and wasting money by letting brokers seek banks for you. granny 8 mortgage

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Granny 8 mortgage This means that the lender transfers the total purchase price for the purchase of the house and the borrower agrees to pay the scheduled amortization of principal and interest for a specific period of time. granny 8 mortgage Do you have the resources to properly select employees of nine? Since your business involves fairly complex financial transactions, you can become a target for fraudsters and identity thieves who attempt to become employees. granny 8 mortgage


Mortgage applications up 8 #mortgage #loans #rates


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Mortgage applications up 8.8% as buyers look to lower rates

Defying expectations for the start of 2016, mortgage rates spiraled down further last week, spurring more volume in the mortgage market. Total applications increased 8.8 percent on a seasonally adjusted basis last week from the previous week, according to the Mortgage Bankers Association.

Refinance applications were behind much of the surge, rising 11 percent from the previous week, seasonally adjusted. The results include an adjustment for the Martin Luther King Jr. holiday.

Borrowers are clearly seeing the rate drop as perhaps a last opportunity to seize on historically low rates. Refinance volume is still down 30 percent from the same week a year ago, when mortgage rates were even lower. Most economists predict that interest rates will rise steadily through 2016, although plunging equity markets in the U.S. and overseas have trumped that premise so far.

The average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances ($417,000 or less) decreased to its lowest level since October, 4.02 percent, from 4.06 percent, with points decreasing to 0.40 from 0.41 (including the origination fee) for 80 percent loan-to-value ratio loans.

A home mortgage sign on a Wells Fargo branch in Brooklyn, New York.

“As a result of more financial market volatility and continued flight to quality by investors, mortgage rates have decreased 18 basis points since the first week of January 2016,” said Joel Kan, an MBA economist. “With a 30-year fixed rate of 4.02 percent in the most recent week, the refinance index was at its highest since the week ending October 1, 2015, a week when rates were 3.99 percent, and there was a rush of applications before the Know Before You Owe rule implementation deadline.”

That new rule from federal regulators, designed to protect borrowers, was widely expected to delay loan closings, and recent Realtors’ confirm that it did.

Mortgage applications to purchase a home increased 5 percent week-to-week, seasonally adjusted, and were 22 percent higher than the same week one year ago. Homebuyers are less sensitive to weekly rate moves, as they are facing a much bigger issue in the market today, namely a lack of homes for sale and fast-rising prices.

Home sales rebounded in December, but largely due to the new mortgage rule that delayed some closings into December. Real estate agents are not looking for the same growth in January, as decade-low supply continues to plague neighborhoods nationally.

“At Redfin we are seeing one of the slowest starts to the year that we’ve seen in a long time. Lots of people are touring homes but few are making offers,” said Nela Richardson, chief economist the real estate brokerage. “Even where there is inventory, a lot of it is overpriced or unappealing. Homebuyers this year are motivated but not desperate, and they refuse to overpay.”

Diana Olick CNBC Real Estate Reporter


8 Ways to Pay Off Your Mortgage Years Earlier #best #home #mortgage #rates


#pay off mortgage early

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8 Ways to Pay Off Your Mortgage Years Earlier

Adding about $100 to your monthly payment can shave thousands of dollars, and several years, off of your mortgage. (iStockPhoto)

The mortgage burning party may have gone the way of the rotary phone, but that doesn’t mean Americans don’t own their homes free and clear anymore. In fact, about 34 percent of homeowners in the U.S. no longer have a mortgage, according to U.S. Census data.

The stories of people who pay off 30-year mortgages after 30 years in the same home are indeed rarer than they once were. But the recent foreclosure crisis did serve as an incentive for homeowners to pay off their loans sooner rather than later – and some have actually given it a try.

Jackie Beck, creator of the Pay Off Debt app, and her husband paid their $95,000 home mortgage in less than three years. To finish off the mortgage, they repeated the same tactics they had used to vanquish their credit card, student loan and auto loan debt. The secret to their success? They started earning more money but didn’t increase their expenses, plus they were careful not to borrow any more money.

For Beck and her husband, the major benefit was having more money for travel and other goals. Not having to make a house payment also meant that Beck could quit her full-time job and focus on marketing her app and running her own The Debt Myth website business.

While living mortgage-free may sound like an enviable goal, paying off your mortgage early isn’t always the best use of your money, says Todd Tresidder, a financial coach and author who publishes the website FinancialMentor.com. He was asked about the merits of paying off a mortgage early so many times by his readers and clients that he wrote up an exhaustive 5,200-word article, with charts, covering all the considerations.

The 140-character Twitter version: You might be better off putting your extra cash elsewhere, but the emotional payoff of being debt-free matters.

“The intuitive response is to get out of debt. We all want the security of owning our castle free and clear with one less expense to deal with. The prospect of making monthly payments for the next 30 years is antithetical to freedom,” Tresidder wrote. “However, there are times when intuition and finance disagree. … The correct answer is not cookie-cutter but must be custom fitted to your personal financial situation.”

If you have high-interest credit card or student loan debt, you’re much better off paying those off before making extra mortgage payments. Saving for your child’s college education and funding your 401(k) at least to the point of getting the maximum employer match – and maybe more – may also be more important than getting ahead on your mortgage.

Beyond that, you want to make sure you have enough cash on hand for emergencies because drawing from your home equity isn’t always easy. If your mortgage is underwater, or if you anticipate losing your house to foreclosure or short sale, making extra mortgage payments is just throwing money away.

The harder calculation is whether you’re better off investing your money or applying it toward your mortgage. When the market is strong (for whatever investment you’re making), you will likely earn much more on your investments than you are paying in interest on your mortgage. But if your investments lose money, you would have been better off applying that cash to your mortgage.

Many people aim to pay off their mortgages before they retire, but even that may not be the best move in all circumstances.

Having a mortgage does provide a tax break, but it’s not as good a benefit as many people think. According to an analysis of 2012 tax data by The Pew Charitable Trusts, just under 24 percent of tax filers claim the deduction. Many homeowners, even those who itemize, often find they do better on their taxes with the standard deduction.

For those homeowners who are fully funding their retirement accounts, are free of high-interest debt and have enough cash socked away for other life goals, here are eight simple ways to pay off your mortgage early.

Add something to every month’s payment. The advantage to extra payments is that all that money goes toward principal. Early in a mortgage, most of your regular payment goes toward interest. According to calculations by Bankrate.com, if you added an extra $100 to your payment of a new $100,000 30-year mortgage at 4.5 percent interest, you’d pay off the mortgage eight and a half years early and save more than $26,300 in interest.

Make a payment every two weeks. There are companies that volunteer to set this up for you, for a fee, but you can do it yourself for nothing. You’re effectively making a full extra payment each year. Paying half your mortgage payment every two weeks, on that same $100,000, 30-year mortgage at 4.5 percent, would cut just under 5.5 years off the term and save roughly $14,000, according to a calculator at The Mortgage Professor site run by Jack Guttentag. Splitting your mortgage payment into two pieces produces minimal savings.

Make extra payments whenever you can. Beck and her husband started by paying $35 extra per month, but then began making additional payments, at one point so eager to pay off the loan that they made eight payments in a month.

Make one extra payment a year. This provides about the same savings as making half a payment every two weeks. When you make the payment isn’t important. You could make it at the end of the year or wait until you get a tax refund or a bonus.

Refinance your mortgage to a lower rate, and keep making the higher payment. The amount this will save depends on the exact figures, but it should shave years off your mortgage and save you thousands in interest.

Refinance your mortgage to a shorter term. This cuts the amount of interest you pay significantly as well as getting you out of debt sooner.

Contribute funds from another source. Designate money from a bonus, odd jobs or freelance work toward paying of the mortgage. If your income is variable, rather than making regular additional payments toward principal, make one big payment when you can.

Cut expenses and put the savings toward your mortgage. Change to a cheaper cellphone plan, cut the cable cord or otherwise cut living expenses and devote that extra money to extra mortgage payments. Living a frugal lifestyle may be difficult in the moment, but it’s worth the struggle if your ultimate goal is to be debt-free.


8 Free Game Design and Development Courses and Resources Online #game #development #degree, #8 #free


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8 Free Game Design and Development Courses and Resources Online

Info on Free Online Courses in Game Design and Development

Game design and development involves various fields, from graphic design and programming, to math and probability. Some of the courses below have additional software requirements, but most of these software programs are free and can be downloaded through links on course websites. These free, online courses are self-paced and don’t award grades or academic credit. Students also don’t submit assignments.

Tufts University

  • Blender 2.6x – 3D trains students on how to use the Blender software for modeling and 3D animation, which can be used in game design. This free course includes lecture notes, project assignments, samples of other students’ works and additional supplemental materials. Students must have the free software program, Blender, downloaded to a computer; other recommended software includes Adobe Acrobat Reader, Python and a media player. As of December 2012, Tufts University is working on an updated course that covers a new version of Blender.

Eastern Michigan University

  • Computer Game Programming teaches students how to design, implement and test a 2D or 3D game. It’s suggested that students have significant programming experience for this course. Some recommended readings may need to be purchased, and Visual C++ or other integrated development environment (IDE) software program is needed to do the assignments in the course. The course includes PDF lecture notes and homework, but instructor help isn’t available with this free version of the course.

Massachusetts Institute of Technology (MIT)

  • Computer Games and Simulations for Investigation and Education investigates how to design educational games and simulations. Students learn how to create board and video games, and are encouraged to complete a video game project. The course includes readings, assignments and related resources that include links to online games.
  • Game Design was developed for undergrad and graduate students, looking at the design of non-electronic games. The course covers such card games, board games, sports and role-playing games through study materials, assignments and other resources. More than 30 audio lectures are available on topics such as strategy and skill, iterative design, prototyping, puzzles and the social function of games.
  • The Mathematics in Toys and Games covers subjects such as probability and basic programming. Students learn how to use math skills to devise games through readings, lecture notes, homework and completed sample projects.

New Mexico State University (NMSU)

  • Game Design provides an overview of how programmers can develop good educational games. The speaker covers topics that include game development on teams and game testing in this free, non-credit lecture.

University of California – Los Angeles (UCLA)

  • GameMaker Tutorial trains students to create a simple game. The website walks learners through a step-by-step process of programming a game that makes balls bounce inside a box until they break the walls to escape. This is a self-directed tutorial and no credits are awarded.

Utah State University

  • Instructional Games examines the field of educational games. Students study the academic benefits of video games and ways to assess the value of educational games. Some topics include instructional game design, games in schools and simulations. The free course provides lectures and readings, as well as an assigned game design project.

Next: View Schools

Game design and development programs train students in interface design, modeling, graphics, animation and scripting for video.

Students study topics such as game design, game testing, technical art and 3-D modeling in an associate degree in the field of.

Students interested in studying video game design and development in Chicago have thirteen schools to choose from. Read about.

A Bachelor of Fine Arts (BFA) in Game Design and Development can educate students in the technological, conceptual and artistic.

The schools in the listing below are not free and may include sponsored content but are popular choices among our users. Tuition and costs will vary across programs and locations. Be sure to always request tuition information before starting a program.

An admission advisor from each school can provide more info about:

  • programs curriculum
  • career opportunities
  • tuition financial aid
  • admissions starting dates

1 Full Sail University


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