![]() "Some 1.8 million mortgage holders will see their fixed rate deal finish in 2023 and are yet to feel the impact of rising interest rates. ![]() “It's almost impossible to remember that the Bank of England base rate stood at just 0.1% in December 2021," says Adrian Anderson, director of property finance specialists, Anderson Harris. "How much will a rise cost in extra repayments? That will depend on your rate now, the size of your outstanding loan and the term of the mortgage.” Those on tracker rates or their lender’s standard variable rate - as well those with other loan or credit card debts that are not fixed - may see an instant rise in their costs. "Those borrowers on fixed-rate mortgage deals will not see their repayments rise right now, but they will when the fixed-term ends and they come to remortgage. It's worth noting that lenders can raise their interest rates before the BoE raises the base rate. Here's our primer on what the rise in interest rate, fall in the value of the pound and other recent changes mean for your money.Īs a borrower, you want interest rates to be low as this means that it is cheaper to borrow money.Įd Monk, associate director for Fidelity International, said that a base rate rise will usually result in higher rates for mortgages and debt, however, different loans will be impacted in different ways. But a solid understanding of money matters is essential for maintaining good financial health, and if you're unsure of the basics, it's never too late to learn. With all the financial jargon out there, it's easy to get confused and overwhelmed. While many of us keep up-to-date with the news, when we read that the value of the pound has dropped, that inflation is rampant or that interest rates are rising, not all of us understand exactly what this means for our money.Ī study by the consultancy Newton found that worryingly, 32% of people don’t correctly understand the impact of rising interest rates on the cost of borrowing money, and nearly half of financially vulnerable people are unaware that higher rates make borrowing more expensive. ![]() Unsurprisingly, the situation is a source of stress for many of us, and not fully understanding what is going on can add to this stress. It’s impossible to ignore the challenges of the current financial situation: the highest tax burden since the war and the biggest fall in living standards since the 1950s.
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It’s hard to argue with the properties and physics of light waves/particles, and that’s why getting nighttime privacy has been so challenging when interior lights are on. The Cons Exterior and interior lighting must be balanced to achieve privacy. The reflective properties of these films also ensure your window film reduces solar heat gain and glare, which optimizes interior energy efficiency. You get to ditch cumbersome window coverings and open things up daily while preventing onlookers from seeing what’s inside. Make your home more secure with privacy window filmīecause these window films have a mirrored effect for those peering in from the outside, they are also a great security enhancement. Here are some of the pros and cons of one-way mirror-type privacy films: The Pros Maintain your beautiful nightscapeĪn unfettered view of the night sky and landscape, with complete privacy, is the #1 pro of one-way mirror films that also provide night privacy. If you’re genuinely interested in total nighttime privacy without using shades or window coverings, a one-way mirror film with night vision is your only option. Working with a professional window film installer who knows the product options inside and out, and will provide honest disclosure about their effectiveness, is the best way to ensure you have the information you need to make the right decision. You need to read all of the fine print carefully. But, Buyer Beware! There are plenty of products out there that advertise nighttime privacy, even though they aren’t as private as you might think. The good news is that some of the newest privacy window film s offer more nighttime privacy than their counterparts. Still, everyone outside can get a clear view in side. Rather than maintaining the reflective appearance from the outside when the sun shines, the interior lights reverse that mirroring effect so that the building’s occupants can’t see out. Metallic Reflection And Nighttime Privacyĭid you know that most metallic, reflective window film works in reverse when the sun goes down? That’s right. And, while many products offer plenty of privacy and enhanced security by day, we recommend installing privacy window film designed to work at night, too. Is your dense, urban – dwelling lifestyle feel ing too fishbowl – esque for your taste ? Privacy window film is the answer. ![]() This window film offers privacy and reflects all light during the day, but at night when the lights are on inside you can see in. At night, when the interior lighting is on, visibility from outside is reduced but not completely blocked, and visibility from inside is also reduced.Ĭustomers in the San Francisco Bay Area are welcome to call us for a free estimate where we can demonstrate the best window film choice for you. Mist film: Similar to the white matte film, this film provides privacy from outside viewers during the day while allowing some visibility from inside.White matte film: This film allows light to enter the space but blocks visibility from both inside and outside, providing complete privacy.However, at night when the interior lighting is brighter than the exterior lighting, the effect is reversed and those outside can see in while those inside can’t see out. RN07 reflective film: This film allows visibility out during the day while reflecting back incoming light, providing privacy from outside viewers.The 3 Main Types of privacy film we offer are: At the same time, these films still allow some visibility from the darker side of the glass, which is usually the exterior of the building. This allows for greater privacy and less visibility into the interior of the space. These films are designed to reflect more light on the brighter side of the glass, which is typically the side with the most light. The only solution for true privacy is opaque window film which will block the view both ways.ĭual-reflective window films can offer some degree of privacy at night, but it greatly depends on the lighting design of your home or business. There is no window film solution for total privacy that allows you to see out at night but doesn’t allow anyone to see in. We get asked about this a lot, so upfront we want to be clear: IMPORTANT UPDATE: This is one of the most popular pages on our site! Thanks for visiting! ![]() "There are some limitations of course, but generally it's a great resource that researchers are only just starting to use." "On a more serious note, these behavior videos represent a good way the general public can contribute to primary scientific research," he added. The videos are often unintentionally funny - either the music some people set to the video, or what is going on in the background, as the person calmly films the animal carnage outdoors while their kids are flinging toys across the room, or they are trying to have a conversation about sales with their boss on the phone." "Furthermore, often these videos are very long: up to seven to 10 minutes, so we see the full spread of behaviors. "We can watch them over and over again, making sure all that data is recorded, without missing anything," he explained. The videos the researchers found online proved extraordinarily helpful. "Claws are very much understudied as a whole, which is strange because they represent the business end of the animal - they have direct interaction with pretty much everything the animal is doing," he added. In fact, no one had even noted that accipitrids - hawks and eagles - even had such a strangely oversized claw, so this is what prompted us to go and find out." "This was interesting to us, as dinosaurs like Velociraptor and Deinonychus also have huge claws on their second toe, so we wondered, 'what do these raptors do with this claw?' Well, after searching through the scientific literature, it turns out that no one had tried to answer that question before. "My favorite, the goshawk, had a humungous claw on its second toe," Fowler recalled. When the researchers began their study, they thought investigating a box of raptor feet stored at the museum would prove to be a small project they would complete over spring break, but it took months longer and became much more involved than they expected. This enables them to squeeze victims to death - they specialize on small prey they usually swallow whole. Owls have enlarged talons on each short, robust toe, and each claw is less curved than seen in other birds of prey, part of a suite of adaptations to maximize grip strength. These are adaptations for catching fish, also seen to a lesser extent in fishing raptors such as the bald eagle. The osprey has enlarged, highly curved talons on each toe. In contrast, falcons have only modest talons on each toe, and rely more strongly on the high velocity of their strikes to disable their prey, having evolved a 'tooth' on their beaks to then aid in severing the spinal cords or crushing the heads of their prey. The raptors then often consumes victims while they are still alive, so long as they do not protest too vigorously - the prey eventually succumbs to massive blood loss or organ failure, incurred during dismemberment. When it came to accipitrids, which include eagles and hawks, the researchers found they had giant claws on the first and second toes of each foot, evolved primarily to restrain large struggling prey. "In recent years we have been lucky enough that members of the public have been posting videos of raptor kills on YouTube - just things that they happened upon while out for a walk, or looked out into their garden to see amidst a blizzard of pigeon feathers a sparrowhawk furiously plucking away at its kill," Fowler said. ![]() ![]() Using 2 tablespoons makes the dressing creamy and super nutty. ![]() Sesame paste: You can find sesame paste in Asian grocery stores or grab a jar of tahini at your local grocery store.While Japanese restaurants in the Western world like to dress their green salads with carrot ginger dressing, in Japan you will find that sesame dressing is the more popular choice. Sesame dressing is used for salads, cold pasta dishes, and can also be used as a marinade to meats, seafood, and tofu. Ingredient combinations can vary but you will usually find toasted sesame oil, sesame seeds, rice vinegar, sugar, and salt, as common ingredients. Sesame dressing is a popular Japanese salad dressing that’s primarily used for green salads and tomato salads. That put a huge smile on my face and I’ve been excited to share this recipe with you ever since! I hope you love it as much as I do □. So you can imagine how pleased I was when I tasted my own sesame dressing and realized it tasted just like Pietro’s sesame dressing! They make the best Asian dressings! What I love about Pietro is that each dressing tastes authentic and isn’t too sweet. I usually don’t like store bought dressings except for one Japanese brand I absolutely adore – Pietro. If you love Japanese dressings, you are going to fall head over heels for this one! It’s so good I always keep a bottle in my fridge! This Japanese sesame dressing has it all – it’s creamy, nutty, sweet, and full of umami. |
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