![]() After Amanda, who poses as Alyssa, proves to the family butler Vincenzo (Philip Bosco) who she really is at the church, he summons to have the real Alyssa picked up from the Butkises' salvage yard to stall the wedding. When Clarice secretly spies on Roger and Diane, she decides to move up the wedding from the next month to the next day. She and Diane (while looking for Alyssa) find out the only reason they have adopted many kids was for them to work in their salvage yard. After some turbulences, Alyssa (who poses as Amanda) ends up being adopted by the Butkises. ![]() So they arrange "chance" meetings with the desired result: they fall in love with each other. The girls switch places in a bid to get rid of Clarice and find out that Diane and Roger would fit together perfectly. ![]() Alyssa Callaway ( Ashley Olsen) is coming home from her boarding school's piano recital competition, only to find that her wealthy father Roger ( Steve Guttenberg) is about to marry Clarice Kensington ( Jane Sibbett), a socialite who (secretly) hates kids and baseball (which Roger adores). Diane would like to do the same thing, but authorities will not let her because of her low salary. She actually wants her child-loving case worker Diane Barrows ( Kirstie Alley) to adopt her instead. Amanda Lemmon ( Mary-Kate Olsen) is an orphan, and she is about to be adopted by a family whom she doesn't like, the Butkises. Two unrelated young girls who happen to look identical suddenly meet. They may be right, but I resent the manipulation all the same.For the 2021 video game of no relation, see here. They know I check the contents of my hanky after a big sneeze, and they're hoping I'll want to check the viscous excretions of a live action My Friend Pedro. What I do have is a mild curiosity about how any adaptation might turn out, and it's this rather than any creative urgency that I think movie studios seem to be preying upon. That's partly because I've reached an age where the only particular desires I have all involve sleep or at least quiet night in, but it's also that video game stories rarely seem like they'd benefit from being reconstituted as linear, passive entertainment. I have no particular desire to see It Takes Two - or any other video game - be adapted into a film, TV series or commedia dell'arte. It doesn't ruin the whole experience - It Takes Two is a tremendously fun game to play - but stacked up next to riding giant spiders, exploding wasps and surfing mic aux cables the actual relationship thing at the heart of it is a bit of a whimper compared to the bang of everything else. The way you explore Cody and May's story is playful and imaginative, but their story itself isn't that interesting. Most annoyingly, despite the inclusion of plot points that are surprisingly dark and very very funny because of it, It Takes Two is a bit disappointing in how conventional the story is, when this was surely an opportunity to do something a bit different. Alice B called it "a really fun way to tell a bit of a boring story" in her It Takes Two review: It Takes Two tells the story of divorcing couple May and Cody, who find themselves trapped within the bodies of two dolls and working together to get back to their real bodies. They're also developing several other video game-derived projects, including the Tomb Raider anime for Netflix, live action TV series based on Life Is Strange and Disco Elysium, and a Sleeping Dogs movie. Variety report that the film is "set up at Amazon for priority development." dj2 Entertainment are the primary production company attached, the same studio responsible for Sonic The Hedgehog 2. There's also a chance The Rock may star in the movie as well - presumably as the perverted book. It Takes Two is being adapted into a movie, with the Dwayne "The Rock" Johnson attached to produce and the screenwriters of the recent Sonic movies attached to pen the script.
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One of those is the highly-anticipated fifth and final season of the Netflix mega-hit series, Stranger Things. But maybe, in the case of this franchise, that marks a slight improvement over movies that wanted to be nothing but what has come before.The Hollywood writers strike is over, and we are finally back on track on the way to getting our favorite shows again that had been on the backburner. By the time Naru stands opposite the Predator in hand-to-face-pincer combat, coating herself in the creature’s phosphorescent green blood, it’s clear that even a “Predator” movie can now be styled as a lesson in how to be. And when you watch “Prey,” a routine if visually atmospheric monster potboiler made over into a fable of “moral” inspiration, you realize how common it is for a movie to send a telegram these days. It’s a famous Hollywood quote, attributed to both Samuel Goldwyn and Jack Warner, that “if you want to send a message, use Western Union.” That line is a testament to the vulgarity of the old studio moguls (plenty of great movies have messages), yet there’s a certain stubborn truth in it. And Naru, beneath her innocent surface, proves not just the biggest badass in the tribe but the only one who grasps the danger. She’s the one who first figures out that the wildlife she’s tracking is being tracked by something else this is a grizzly-bear-eat-dog-eat-rabbit movie in which the Predator sits at the top of the food chain. But the journey of Naru lends it a semblance of emotional coherence that most of the “Predator” films have lacked. As an alien-attack thriller, “Prey” is competent and well-paced, though with little in the way of surprise. The rippings and slashings, first of animals and then of humans, arrive right on cue, and they’re brutal enough to have earned the film an R rating. We might also now ask: Is the fact that this demon has dreadlocks…kind of racist? In this one, he’s not only got a metal loincloth but a ripped belly that looks like it came off a cover of Men’s Fitness. But it would be monotonous to have him hidden for the whole movie, so the Predator gradually becomes visible - which is always a bit of a letdown, as we come to see how rotely anthropomorphic he is. Once again, we try to divine his shape from the translucent camouflage that turns him into glistening honeycomb glass, with metallic fingers that shoot out like Freddy Krueger’s claws. ![]() In the pristine wilderness of “Prey,” he now seems like a cloaked version of Bigfoot. But “Prey,” trying to introduce the creature to a new generation (in this one he’s played by Dane DiLiegro), goes through the game of treating his semi-invisibility as a kind of striptease. There’s not much mystery left to the Predator, who has been revealed in too many sequels too many times. But when Naru, who at times suggests the Cherokee warrior Nanye-hi as played by Olivia Rodrigo, looks up to see a fiery spacecraft, it’s clear she’s going to need all her training and more. “Because you all think I can’t!” comes the 18th-century girl-power reply. ![]() “Why do you want to hunt?” asks Naru’s mother. She has a rivalrous relationship with her brother, Taabe (Dakota Beavers), that plays out over the course of the movie. For a while we could almost be watching a historical Disney fable about a warrior who comes of age, as Naru, in her black eye-mask face paint and fringed buckskin, trains herself in how to rock a crossbow and toss a tomahawk. Visually, the movie is all vibrant green woods, mountain vistas and sunlit meadows. The actors in “Prey” consist almost entirely of Native and First Nation’s talent, marking the film as a step forward in Indigenous casting. Now, in an act of recycling you might think of as Hollywood composting, the Predator is back - in a movie set in the Comanche Nation in 1719, where Naru (Amber Midthunder), a fiery young woman consumed with proving herself as a hunter, stands up against the male leaders of her tribe in order to rid the Northern Great Plains of a malevolent otherworldly visitor. ![]() The show began with explosive fireworks from the center of the lagoon and hot flames from the Inferno Barge. Immediately after, there was the sound of a flame being gently blown out, the lighting was immediately dimmed throughout the park, and the show began.Ĭhaos represents the creation of the planet Earth. ![]() We hope you enjoy our story tonight: Reflections of Earth.” ―Opening narration And though each of us has our own individual stories to tell, a true adventure emerges when we bring them all together as one. An amazing story as old as time itself, but still being written. We're gathered here tonight around the fire as people of all lands have gathered for thousands and thousands of years before us.to share the light. On behalf of Walt Disney World, the place where dreams come true, we welcome all of you to Epcot and World Showcase. It was initially replaced by the temporary show Epcot Forever which premiered on Octoand later by the permanent show Harmonious which premiered on September 29, 2021. The show gave its final performance on September 30, 2019, with the new " Epcot Forever" show premiering the night after. It has received several awards throughout the years including 11 straight Best Outdoor Night Production Show Golden Ticket Awards (2005–2015). ![]() It utilized fireworks, pyrotechnics, water fountains, fire effects, lasers, and searchlights to create a visual production on the park's World Showcase Lagoon.Ĭreated and directed by Don Dorsey, the show premiered on Octoas IllumiNations 2000: Reflections of Earth as part of the Walt Disney World Millennium Celebration it was so successful that after the celebration ended that it continued, even after 2000 was dropped from its name. These sales are not covered by ABTA.Epcot Forever Source IllumiNations: Reflections of Earth was a nighttime show performed nightly at Epcot at the Walt Disney World Resort in Lake Buena Vista, Florida. Registration number 593223781, head office: P.O. Please visit for more information.Īccommodation supplied to persons outside of the UK will be supplied by Travel House of America INC. Please ask for it and check to ensure that everything booked (flights, hotels and other services) is listed on it. When you pay you will be supplied with an ATOL certificate. All flights and flight-inclusive holidays we sell are financially protected by the ATOL scheme. Company registration 01475109, head office: 5 Royal Hunt House, Fernbank Road, Ascot, SL5 8JR. Attraction Tickets purchased through are not covered by ABTA’s scheme of financial protection.Īny holidays purchased are supplied by our retail travel agent NAR UK Ltd ABTA K5268. As members of ABTA you have the benefit of ABTA’s assistance and Code of Conduct. NAR UK Ltd (trading as ) is a member of ABTA. Find New Orlando Vacation Ideas Search for: Watch our latest videoĪttraction tickets sold on are supplied by NAR UK Ltd in the UK and Travel House of America for the rest of the World. It was originally a part of the resort’s millennium celebration. “IllumiNations,” which features pyrotechnics, laser lights, fire, a giant globe, barges and a soaring soundtrack, had a nearly 20-year run at the theme park. “Epcot Forever” will continue into 2020, Disney says, eventually being replaced with yet another new nighttime spectacular. “We’re using some of the greatest aspects of the park over its past 30-plus years, especially the music.” The production “is a celebration of what Epcot has been and what Epcot is going to become,” Bruun said in the video.
![]() Contact Posters will also be available for third-party calling apps. Users can customize how they appear, bringing a completely new look to incoming calls, and choose beautiful treatments for photos or Memoji, as well as eye-catching typography and font colors. The Phone app is central to the iPhone experience, and it receives a big update with personalized Contact Posters, providing a new way for users to express themselves. We’ve also reimagined AirDrop with new ways to share, autocorrect gets even better, and we’re introducing all-new experiences with Journal and StandBy, plus so much more. “Phone, FaceTime, and Messages are central to how we communicate, and this release is packed with updates we think our users are going to love. ![]() “With iOS 17, we’ve made iPhone more personal and intuitive by deeply considering the features we all rely on every day,” said Craig Federighi, Apple’s senior vice president of Software Engineering. ![]() iOS 17 also introduces new experiences with Journal, an app that makes it easy for people to practice gratitude, and StandBy, a new way to view glanceable information when iPhone is set down and charging. The release introduces major updates to communications apps, easier sharing with AirDrop, more intelligent text input, and new experiences with Journal and StandByĬUPERTINO, CALIFORNIA Apple today announced iOS 17, a major release that upgrades the communications experience across Phone, FaceTime, and Messages makes sharing even easier with AirDrop and provides more intelligent input that improves the speed and accuracy of typing. The phone boasts a 64 GB of ROM for your media files.IOS 17 makes iPhone more personal and intuitive The iphone Xs’ 7 MP front camera features a f/2.2 wide-angle lens and lets you shoot videos at a 1080p resolution, at up to 60 fps.Įnjoy superfast download speeds, courtesy of the phone’s 4G advanced LTE connectivity. Its dual camera system comes with a sensor which is faster than ever, a f/2.4 telephoto lens, and a f/1.8 wide-angle lens. You can now adjust the depth of field in portraits after you shoot them. This feature makes portrait-mode photos look crisp and professional by blurring the background in pictures. Secondary frames and a powerful A12 Bionic Chip deliver more highlight and shadow detail to your pictures.Ī new sensor in the phone’s camera creates better image fidelity, greater colour accuracy, and reduced noise in low-light shots. You are also ensured incredible portraits with depth control, speed, and fluidity in everything you do.Įquipped with an innovative sensor which works with the ISP and Neutral Engine, this phone’s dual 12 MP + 12 MP rear camera system captures the essence of the subject(s) in front of it. This powerful chip combined with Apple’s next-generation Neutral Engine brings you true-to-life augmented reality experiences. The Face ID feature lets log in to apps, your Gmail account, or your personal gallery just by glancing at your phone. Your phone’s contents are for your eyes only. Its glass back not only credits major points in terms of the phone’s aesthetics, but also facilitates an easy charging system – charge your phone wirelessly. The custom-made alloy that’s used in this Apple phone is precisely machined to create structural bands. Made of high-quality glass, the iPhone Xs is durable and boasts an all-new level of resistance to water and dust. Its 14.73 cm (5.8) screen offers you an immersive experience regardless of whatever it is you love doing on your phone. What’s more? The iPhone Xs is resistant to liquid spills, juices and tea included.īigger and better than ever, its custom OLED delivers accurately detailed colours, HDR, and true blacks. Its 14.73 cm (5.8) display is as indulgent and tough as it gets. Apple brings the ‘big screen’ onto the palm of your hands with the iPhone Xs. ![]() It contains useful information on first aid basics, rescue breathing techniques, stopping bleeding, checking for shock, dressings and bandages, bites and heat and cold injuries.Īvailable information on the application can be shared through email or AirPrint. It is useful on the battlefield where knowledge of life-sustaining methods is required for survival. Army First AidĪrmy First Aid application provides a manual of critical medical information for soldiers to be used in instances where medical aid might not be readily available. It is supported by iPhone, iPad and iPod touch, and requires iOS 2.2 or later versions. ISurvive has been developed by DMBC and is marketed by Roger Lichfield. The application lists educational material in an army survival manual style. ISurvive is a military-grade survival manual that provides important information on areas such as evasion, navigation, communication and signalling, recovery, medical aid, personal protection, water and food procurement and induced conditions. Trusted by military and Intelligence communities worldwide, the app is also available for download by the US Department of Defense (DoD) and Intelligence Community (IC) personnel from the GEOINT App Store.ĭeveloped by Avenza Systems, the mobile app offers advanced tools to download maps for offline applications, as well as uses the host device’s GPS to locate and navigate in remote areas without a network or internet connection. This is an extremely wild and heated prank you don't want to miss.Avenza Maps Pro is a mobile mapping app for offline mapping and navigation. I called a drug dealer as Tyrone and told him I wanted a percentage of his sales for 'selling on my turf'. Limited edition shirts! (available for less than ONE week!) The call is absolutely crazy, and his reactions are priceless. I called someone who was recently robbed by a black guy as the person who robbed him. Produced in part by these wonderful supporters:Ībdulrahman Aldawood, Dakota Voiles, Eric Koh, Gisselle Gordillo, Jonathan Phang, John Caldwell, Hamzeh Al Fuqha, Nicholas Folkes, Dwayne Peterson, Riad Dibajeh, Mohammed Al-Gobesy, Danny Willson, Salar Tel, Russell Lala, Cody Woolaver, Asmaa, Lewis Barnett, Christopher Marrin, Ruslan Yermilov, Olivia Mickus,Adam, Ghazi Shehab, Ahmad Saad alkwari, Marco Tsang, David Royer, Dana Qaddoura, Don Superior, Sebastian rodriguez, Cameron Herrin, Aryeh Freud, Ahmad, and Mohammed Ĭheck out Matthew Santoro! and Subscribe! This prank features a bunch of callbacks and some serious rage, you're gonna love it :D Don't forget to smash the Like button on this video and share the prank animation with your friends!!Įxecutive producers: Russell (OP), Sam G Ed W I called a KFC as Abdo and the lady working there decides to go CRAZY and flips out from the very beginning. Hope you enjoy! (P.S: I absolutely LOVE Asian people, I don't mean this to come across as offensive in any way) He owns an asian restaurant, and we basically argue for 3 minutes. It's a hilariously funny prank call, and no, I am not asian. I call this guy back to back numerous times. Help support these animations by sharing the video with a friend! :) Subscribe for free to catch my future videos - Ĭheck out the ANIMATED VERSION of this prank! It's insanely awesome I called a black guy as Tyrone and pretended like I've been cheating with his long-term girlfriend. Playlist of all my animated prank calls. ![]() Share the laughs with your friends by sending them a link to this video! :) Subscribe to catch my future pranks and animations! What happened after can only be described as the absolute worst customer service ever. I called an extremely poorly rated Indian restaurant as Buk Lau. Subscribe to my 2nd prank channel for short pranks & extras! Subscribe for free to catch my future videos! - Īdd me to facebook/twitter! I post updates on there about upcoming pranks, and potential live events! Please Like and share this 100th video if you enjoy it! :) ![]() I call an Indian Restaurant as 'Rakesh' and the owner goes into complete rage mode! Then a surprised guest appears. What began as a hobby to entertain friends in 2004 has since evolved into the most subscribed prank call channel on YouTube! Join the OP Crew by subscribing and tune in every week to catch our hilarious, wild and outrageous pranks! With over nine misfit characters voiced by one comedian, Ownage Pranks brings you a weekly dose of unscripted and improvised pranks that are sure to make you fall out of your seat laughing. Ownage Pranks is a channel devoted to prank calls. Please share this video with all your friends and family who will be filing their taxes this year! I figured exposing this scam and posting it for all to see is a good way to get back at 'em. You won't believe some of the stuff these guys say. I pranked a group of people in India who are currently running an IRS tax scam and tricked them intro revealing specific details of their operation. ![]() The Galah is one of the most common wild parrots in Australia. Galahs are found along much of coastal Australia, but the Major Mitchell Cockatoo is a bird of inland and desert areas of the continent (where the Galah is also found. He may head to his food dish when he sees you eating, or he may dance and sing along with you while you are enjoying your favorite song. A bonded bird may snooze on your shoulder when you are relaxed. ![]() That species is lighter pink and has the most elaborate crest in the parrot world. If your bird tends to reflect your actions or feelings, it can be a sign that he is bonded to you. It usually has two noisy periods, once upon waking with the sun and at dusk. Gang gang cockatoos are the clowns of the parrot world. Galah cockatoos can live for up to 70 years in captivity. In the U.S., they’ll fetch close to 3,000. Still, this bird is not recommended for apartment or condo living. Also known as the rose-breasted cockatoo, galah cockatoos vary widely in price depending on where you buy them. Comparatively, the galah cockatoo is not particularly loud for a cockatoo, which is among the loudest of parrots. The only other cockatoo in the wild with any pink coloring is the equally beautiful Major Mitchell’s Cockatoo – often simply also called the Pink Cockatoo. Some say males are more prolific talkers than females. Galahs are certainly physically unique when it comes to cockatoos – they are a rosy pink color on the front, part of the head, and under their wings. This means there are differences between Galahs and other species of cockatoos. The galah or rose-breasted cockatoo is native to Australia. There are more than 40 species of cockatoos in the world. This means taxonomists have decided that the Galah is different enough (often determined through DNA) to be in its very own grouping of cockatoos. There is no difference between a Galah and a cockatoo.īut the Galah is a unique cockatoo because it is the only species in its genus Eolophus. on Friday, May 12, at the Seattle Marriott Waterfront Hotel! While access to the maritime community is a multi-faceted conversation, their low-cost programming aims to help alleviate the financial factor, break down the barrier of affluence, and encourage equal access. SEASTR offers programs for women ranging from maritime access and education surfing, standup paddle boarding, and sailing experiences to youth paddle camps to water knowledge like tide and currents, environmental awareness and low-impact race coaching.ĭon’t miss the 2023 Seattle Maritime Day breakfast from 8-9:30 a.m. ![]() Whether a woman is looking to obtain a Washington State Boaters Card or a United States Coast Guard License, SEASTR can help guide women in the right direction and help them make the connection needed to further their endeavors. The connection between access to the water and the potential livelihood associated with it has not been made as available as it should be. SEASTR is a non-profit with a mission to optimize the human/environment connection, using water to engage the underrepresented in their own process of healing and evolution, making a difference for themselves, their families, and their communities. If you would like to help bring this event together by becoming a sponsor, please contact for more information and organization details.Īs a part of our mission to support other maritime organizations in our community a portion of profits from this event will be going to the nonprofit organization SEASTR. Thanks to AWO for providing their space for this event! Mark your calendars for a fun evening on the dock with Seattle Propeller Club members old and new! Snacks and drinks on (the) deck will be provided along with beautiful views of Mt Rainier and Lake Union. Bob Callahan, Pacific Marine Expo Show Director (confirmed) Eugene Wasserman, President, North Seattle Industrial Tosca Pinder, Newfront and Past President, Seattle Propeller Joshua Berger, Founder & President/CEO, Washington Port of Seattle Commission President Sam Cho (invited) League of Metropolitan Seattle (confirmed) ![]() Chris McGettigan, Youth Engagement Coordinator, Urban Jamila Gordon, Maritime High School Principal (confirmed) Facilitator: Tiffany Sevilla, Port of Seattle (confirmed) Jon Burdick, President/CEO, Lynden (confirmed) Heather Haugland, McKinley Research Group (confirmed) ![]() Chad See, Washington Maritime Federation (confirmed) Thank you to our sponsor!Įconomic Impact of Washington’s Maritime Industry Salmon for Soldiers has taken 1226 veterans fishing over the past 3 years thanks to the generosity of our sponsors. Studies indicate that taking part in outdoor activities, like fishing, is healing and restorative for our veterans and their families. All donations are used to send our nation’s veterans and active-duty military members fishing. Salmon for Soldier’s is a fully volunteer organization. ![]() Each year over 400 veterans are given the opportunity to fish with local guides and volunteer boaters through Salmon for Soldiers. Salmon for Soldiers events are designed to accommodate veterans with paralysis, PTSD, TBI and other debilitating challenges. Salmon for Soldiers is a registered non-profit charity, established in 2013, whose mission is “to offer a sense of normalcy and relaxation to our nation's Veterans through fishing.” The simple act of fishing allows them to relax, enter into new relationships and to learn how fishing can benefit them for a day or a lifetime. ![]() So, if you have wavy hair and are not afraid to experiment with side part curtains then you should definitely consider this look. But if you have mid-length hair and still want to experiment with the trending mid-part style then this look is a great option. A natural center parting is a failsafe option in. Normally curtain haircuts are worn by men with long hair. ![]() If it is not particularly neat, no worries. A mid parted long wavy mane is one of the most impactful middle part hairstyles male options. Spray your hair with this heat protection spray, comb through your strands, and use your flat iron to create a sleek, straight style. If you have long wavy locks and prefer to wear them loose, accentuate them with a middle part. Dove Style+Care Smooth and Shine Heat Protection Spray is our go-to for when we want a style that boasts that sleek finish. Start off by protecting your hair with a product that’s formulated to protect your strands and add some major shine too. That center part extends all the way to the back of the top of your head rather than ending abruptly into that tell-tale voluminous poof that screams, ‘I’m addicted to my teasing comb.’ Heat-Protect The final result turns out very voluminous and structured, which is why it is a perfect option for guys with fine and thin hair. That is why it is a good idea to pair it with another popular male hairstyle a shag. The latest iteration of the classic middle part is all about that sleek and shiny look. Korean wavy perm does not suggest a particularly neat or polished look. Say your goodbyes to loads of volume and height and give a flatter, sleeker style a spin. The Perfect Middle Part is Flat and Sleek Say goodbye to volume and hello to the sleekest look of your life. Scoop a tad of hair pomade, run your palms with it and apply the product to your locks. Apply several spritzes of water or sea salt spray so your strands are wet. Grow out the hair until it reaches your shoulders. These days, it’s all about sleek strands and grounding them with the perfect middle part.Īre you curious to see how you can create this look at home? Read on: Here is how to style your locks for a surfer hair look: 1. It’s no longer about taking a teasing comb to your roots for that messy volume at the base of your strands. Well, as the hair trends change and sleek styles are coming into play much more frequently, the secret to creating the perfect middle part has changed. ![]() The perfect middle part seems easy enough to create, right? Just grab a rat tail comb or even a bobby pin, section off your hair, and *poof!* you’re good to go. ![]() But user-friendliness and a streamlined workflow also contribute to the quality of the results you can obtain from an item of software. The sound of audio software is naturally the most important thing and it’s our top priority. ![]() The result is a 14-minute interview that offers a deep insight into the possibilities of DNA Direct Note Access™.ĭNA Direct Note Access™ is available with Melodyne™ studio and editor.Ī pioneering extension for audio plug-in interfaces. A few months later, a film team visited Melodyne™'s inventor, Peter Neubäcker, in his laboratory to find out more about this revolutionary technology. When at the beginning of 2008, DNA Direct Note Access™ was first demonstrated, it created a considerable stir. Melodyne™ with DNA Direct Note Access™ allows you to intervene in the audio material in ways that were unthinkable before and that range from subtle enhancements to re-composition. DNA Direct Note Access™ offers Melodyne™ users comparable freedom in the field of audio. In the world of digital image processing, it has long been possible with the right software not only to correct depicted reality down to the smallest details but also, literally, to create new worlds: images that depict with total credibility something that has never existed. Like Melodyne™ itself, DNA Direct Note Access™ is a development that radically and forever alters the handling of audio. The unique access that Melodyne™ has long offered to the pitch, timing, duration and other parameters of notes in monophonic material is now extended – through DNA Direct Note Access™ – to include notes forming part of chords. DNA Direct Note Access™ is the technology that makes the impossible possible by allowing individual notes in polyphonic material for the first time to be identified and edited. ![]() “There are a lot of factors in play for homeowners, including house prices, inflation figures, and competition among mortgage providers – and as yet, the UK public doesn’t see the situation as requiring Government intervention. Opinium research has shown that 6 in 10 UK mortgage holders are already worried about making their repayments. Matthew Howlett, Research Executive at Opinium, said: “ As rates rise for the fourteenth consecutive time to 5.25%, the pressure continues to build for mortgage holders who are on or about to come onto variable rates. The market will realign to a higher base rate in due course, but today’s latest hike from the Bank of England reaffirms that lenders must double down on a proactive approach to supporting property owners and property buyers who will feel the effects of it.” ![]() “But right now, flexibility and communication from lenders remains of utmost importance, helping both existing and prospective clients to borrow responsibly without pulling products out from under them or being too rigid in the terms of loans. However, with modern equity release products now offering customers the ability to service some or all of the interest as well as having the embedded protections of a no-negative equity guarantee and surety of tenure, the combination of flexibility and safeguards can make this an option that can deliver good outcomes for a wide range of different customers. Whether it be a lifetime mortgage or a retirement interest product, all choices come with risks as well as benefits. Rates in the equity release arena start from 6.01%, fixed for life, so now may be the right time for customers to consider whether there may be a different way to manage mortgage debt in older age. “However, the positive news is that the product landscape in later life lending is evolving rapidly and the sector continues to step-up to meet this growing societal need. For those in retirement that typically have fixed incomes and for whom the current cost of living pressures are especially acute, the options can be limited and often not palatable. Ahead of this announcement the average SVR was 7.85% and there is no doubt that even with the Government Support Measures that some homeowners are going to be facing hard choices. “For older borrowers trapped on a lender’s standard variable rate (SVR) this is a particularly worrying time. While inflation is starting to fall, prices are still increasing in real terms and this move will create an unwelcome additional expense for those mortgage borrowers who are stuck on variable rates or who are coming to the end of fixed term deals and looking to remortgage. Will Hale, CEO of Key, said: “Today’s 14th consecutive increase takes the Bank of England base rate to 5.25% which is a figure that was last seen in February 2008. For the sake of the UK economy, the hope is that this is where rates peak.” “Despite the carnage of the past 18 months, most commercial borrowers have been able to manage their increased interest payments and whilst not thriving, they are surviving. The quicker this translates into an uptick in real estate transactions and new development starts, the better. There is growing evidence the inflation balloon is starting to deflate, as the bitter monetary pill UK consumers have had to swallow starts to take effect. William Scoular, Head of Private Client Lending at Investec Real Estate, said: “The Bank of England’s decision to hike rates by only 25 basis points indicates that the interest rate rise juggernaut could finally be running out of steam. |
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