#the width is over 500px

[tastytofusoup]

Seeing some people in the notes of a gif-making post saying,

'it's getting them under the size limit I struggle with 😞'.

... Are you using every frame from a 60fps video when you're importing? I bet you are, aren't you. Don't do that! Do that and you're just padding your gif size for no reason.

I import every 4 frames by default, then set a frame delay of 0.07. Smooth as silk. If you do end up struggling to fit the cool, really long animation you want in there, try deleting every other frame, then change the delay to 0.09, then 0.1 if it's too fast. It might still look smooth. Might. I've been succeeding with that on a few gifs, but you are pushing it at that point. Smooth framerate in your gifs will make everything about them look better - but any more frames than every 4 from 60fps source video are superfluous.

Pray tell, are you also making your gifs too big for no reason? Tumblr's display size is 540px wide.

If you make your gifs that width exactly, they will display as crisp and clear as you made them. If you make them smaller than that, they'll be stretched and look blurred. If you make them bigger than 540px, that won't improve the quality - they'll be shrunk down to the display size, and will look just as blurry as if you'd made them only 500px. With the added detriment that the file size will be bigger, so you won't be able to fit as many frames in there. There's no benefit. They'll only look as good as you made them if you click on them, which people aren't going to do (unless they're a weirdo like me thinking 'hm does that look blurry? oh, that's why'). You're artificially making the limit more strict for yourself, while making your gifs look worse.

If it's not those problems, what the hell are you trying to make over there? I'm fitting entire animation loops under the limit, unless I try to be foolishly overambitious. And I still managed to sneakily cut down frames to get that Mass Effect Andromeda shuttle's whole landing and take-off in there.

The limit these days is 10MB. It used to be 500kb. When I personally was making gifs previously it was 1MB, then 2MB. We rejoiced when it went to 2MB. That's where the struggle was. *Slaps 10MB limit* I can fit over 100 frames in this bad boy.

Speaking of crisp and clear, here's my Smart Sharpen settings while we're at it:

I never adjust it, It Just Works™ perfectly for every set, every game. Use that on every layer and it'll look good, I guarantee. Pretty, clear, not over-sharpened, thriving.

[tbcanary]

would you recommend sizes (widths and heights) to make different styles of panels please. thank you in advance.

of course! i've run through how i size my images here but generally there are a few standard sizes i tend to lean toward:

panels: 400px wide, 600px tall. this resembles an average panel in a comic book, and keeps the size of the file to a reasonable amount. (examples: here; here; here)

standard banners: 1000px wide by 500px tall (examples: here; here; here)

thin banners: 1000px wide by 250px tall (examples: here)

tall banners: 750px wide by 500px tall (examples: here)

icons: 300px by 300 px or 500 by 500. smallest i'd go is 125x125, if desperate. (examples: here; here)

i prefer for all of my work to be 72 pixels per inch, and i try my hardest to keep them under 5 MB. if they get over that size, they start to look incredibly wonky on tumblr. that's why most of the numbers above are rounded; if i need a file to be smaller, i can change it to 500x250, or whatever the case may be.

a lot of my gifsets include five banners or six panels, with little to no variation in size. but if you find yourself wanting to mix that up, i'd recommend two 1000x500 banners with three 400x600 panels (examples: here, here).

(there are cases where that isn't possible, in which case, sorry. they looked better in photoshop than they do when posted.)

[919homes]

What's with Rates!?!? for the week of Nov 18th

Understanding Mortgage Interest Rates

Mortgage interest rates can be confusing, but knowing how they work could save you lots of money when buying a home. Whether you're getting your first house or looking to refinance, it's important to understand what affects mortgage rates and how to get the best deal. Let's look at what goes into setting mortgage rates and how you can take advantage of current market conditions to save money on your home loan.

Key Takeaways

      Aspect     Details         Current Trend     Mortgage rates expected to decrease slightly in the coming week         Economic Factors     Fed announcements, employment data, CPI report, global events, and housing market reports         Strategies     Get pre-approved, compare lenders, consider points, improve credit score         Refinance Opportunity     Potential for significant savings if current loan was secured at higher rates         Future Outlook     Experts predict continued downward trend in coming months  

The Current Mortgage Rate Landscape

As we near the end of 2024, there's a lot happening in the mortgage market. While we can't give exact interest rates, things are looking better for people wanting to borrow money. Smart homebuyers are taking advantage of this change, locking in rates that could save them a lot of money over time. This positive trend is happening because of things like what people expect inflation to do, job numbers, and what's going on in the world economy.

        Experts think mortgage rates will slowly go down over the next week, which could be good news for people looking to buy a house or refinance their loans. This possible drop in rates is because of several things happening in the economy that we'll talk about more. It's important to know that even small changes in interest rates can mean big savings over the life of a mortgage, so it's a good idea to stay informed and be ready to act when rates are in your favor.

Economic Factors Influencing Mortgage Rates

The week of November 18th to November 22nd, 2024, is going to be really important for people watching mortgage rates. Several key economic events are happening that could really affect interest rates:

  Key Economic Factors Influencing Mortgage Rates (Nov 18-22, 2024)

                  Fed Announcements

                    CPI Report

                    Employment Data

                    Global Events

                    Housing Reports

      .minimalist-chart-container {   max-width: 500px;   margin: 20px auto;   text-align: center;   background-color: white;   padding: 20px;   border-radius: 8px;   box-shadow: 0 2px 4px rgba(0,0,0,0.1); } .minimalist-chart {   display: flex;   justify-content: space-around;   align-items: flex-end;   height: 200px;   padding: 20px 0;   background-color: border-radius: 8px;   position: relative; } .chart-column {   display: flex;   flex-direction: column;   align-items: center;   flex-grow: 1;   height: 100%; } .minimalist-chart .bar {   width: 40px;   background-color: position: absolute;   bottom: 25px;   border-radius: 4px 4px 0 0; } .minimalist-chart .bar::before {   content: attr(data-value) '%';   position: absolute;   top: -25px;   left: 50%;   transform: translateX(-50%);   font-size: 12px; } .bar-label {   position: absolute;   bottom: 0;   font-size: 6px;   color: max-width: 50px;   word-wrap: break-word;   text-align: center; }

1. Federal Reserve Announcements: The Fed doesn't directly set mortgage rates, but what they decide affects the whole financial market. Listen for any statements about inflation goals and how they think the economy will grow. How the Fed handles money policies, including any changes to the federal funds rate or talks about quantitative easing, can really affect the mortgage market. People who study this stuff will be looking closely at what words the Fed uses to try and guess what they might do in the future.

2. Employment Data: New information about jobs could change how confident lenders feel. When employment numbers are strong, it often means better borrowing conditions. Important things to watch are the unemployment rate, how many new jobs are created, and if wages are going up. A strong job market usually means the economy is healthy, which can lead to more people wanting mortgages and possibly lower rates as lenders compete for business.

3. Consumer Price Index (CPI) Report: This important report shows how inflation is doing, which can really affect mortgage rates. If the CPI is lower than expected, it could mean rates might go down. The CPI measures how much prices change over time for things people buy regularly. If inflation stays low or goes down, it might encourage the Fed to keep interest rates the same or lower them, which could be good for mortgage rates.

4. Global Economic Events: Things happening in other countries, like trade talks or big political changes, can affect U.S. mortgage rates. It's a good idea to keep an eye on major world economic news during this week. Things like trade agreements, changes in government in big countries, or big shifts in global commodity prices can change how investors feel and, as a result, affect mortgage rates. Because financial markets around the world are connected, events far away can directly impact your mortgage options.

5. Housing Market Reports: New information about home sales and how many new houses are being built can change how lenders feel about the real estate market, which might affect their decisions on rates. Reports on existing home sales, new home construction, and how many houses are available give insights into how healthy the housing market is overall. A strong housing market might lead to more competition among lenders, which could mean better rates for borrowers.

Strategies for Navigating the Current Rate Environment

With rates expected to go down, now is a great time to get ready for the best possible mortgage terms. Here are some things you can do:

                    Fed Meeting Minutes

    Release of October FOMC meeting minutes on Wednesday

                      Existing Home Sales

    October existing home sales data released on Tuesday

                      Jobless Claims

    Weekly unemployment claims report on Thursday

                            Consumer Sentiment

    Final November consumer sentiment index on Friday

  .minimalist-grid-container {   display: grid;   gap: 20px;   max-width: 800px;   margin: 0 auto;   font-family: Arial, sans-serif; } .minimalist-grid-container .grid-item {   background-color: border-radius: 8px;   padding: 20px;   text-align: center;   box-shadow: 0 2px 4px rgba(0,0,0,0.1); } .minimalist-grid-container .grid-item h3 {   color: margin: 10px 0 5px;   font-size: 16px; } .minimalist-grid-container .grid-item p {   color: margin: 0;   font-size: 14px; } .icon {   width: 40px;   height: 40px;   margin-bottom: 10px;   fill: none;   stroke: stroke-width: 2;   stroke-linecap: round;   stroke-linejoin: round; } .grid-2x2 { grid-template-columns: repeat(2, 1fr); } @media (max-width: 768px) {   .grid-2x2 { grid-template-columns: 1fr; } }

1. Get Pre-Approved: Getting pre-approved for a mortgage can give you an edge in a fast-moving market. It shows sellers you're serious and helps you act quickly when rates go down. When you get pre-approved, a lender looks closely at your finances to tell you how much you can borrow and at what rate. This process can also help you find and fix any problems with your credit report or finances before you start looking for a house.

2. Compare Lenders: Don't just go with the first offer you get. Look at rates from different lenders to make sure you're getting the best deal. This includes regular banks, credit unions, and online lenders. Each might have different rules and offer different products that could be better for your situation. When comparing, look at more than just the interest rate – think about things like fees, how long the loan is for, and how good their customer service is.

3. Consider Points: Paying points upfront can lower your interest rate for the whole time you have the loan. This can be a good idea if you plan to stay in your home for a long time. One point usually equals 1% of how much you're borrowing and can lower your rate by 0.25%. Figure out how long it will take for the savings to be worth the cost to decide if this is a good choice for you. Remember, while points can save you money in the long run, you need to pay more at the start.

4. Improve Your Credit Score: Even a small increase in your credit score can get you a better interest rate. Try to pay off debts and fix any mistakes on your credit report before applying for a mortgage. Focus on using less of your available credit, paying all your bills on time, and not applying for new credit in the months before you apply for a mortgage. A higher credit score not only makes it more likely you'll be approved, but can also get you better loan terms.

The Refinance Opportunity

For people who already own homes, the possible drop in rates could be a great chance to refinance. Refinancing your mortgage could save you a lot of money, especially if you got your current loan when rates were higher. Refinancing means replacing your existing mortgage with a new one, possibly with better terms or a lower interest rate.

      "Economic factors this week point towards a gradual easing of mortgage rates, with key data releases and Federal Reserve speeches likely to shape market sentiment. Homeowners and potential buyers should stay alert to these developments, as they could signal an opportune moment to lock in favorable rates."

    — Economic Analysts, November 2024

  .minimalist-quote-container {   max-width: 600px;   margin: 20px auto;   background-color: padding: 30px;   border-radius: 8px;   box-shadow: 0 2px 4px rgba(0,0,0,0.1); } .minimalist-quote-container blockquote {   margin: 0;   padding: 10px 20px;   border-left: 4px solid blockquote p {   font-style: italic;   font-size: 1.1em;   margin-bottom: 10px; } .minimalist-quote-container blockquote footer {   font-size: 0.9em;   text-align: right; }

                    Fed Speeches

    Multiple Federal Reserve officials to give speeches on economic outlook

                            Economic Reports

    Release of housing starts and existing home sales data

                            Market Trends

    Analysts expect slight downward trend in mortgage rates

  .minimalist-grid-container {   display: grid;   gap: 20px;   max-width: 800px;   margin: 0 auto;   font-family: Arial, sans-serif; } .minimalist-grid-container .grid-item {   background-color: border-radius: 8px;   padding: 20px;   text-align: center;   box-shadow: 0 2px 4px rgba(0,0,0,0.1); } .minimalist-grid-container .grid-item h3 {   color: margin: 10px 0 5px;   font-size: 16px; } .minimalist-grid-container .grid-item p {   color: margin: 0;   font-size: 14px; } .icon {   width: 40px;   height: 40px;   margin-bottom: 10px;   fill: none;   stroke: stroke-width: 2;   stroke-linecap: round;   stroke-linejoin: round; } .grid-1x3 { grid-template-columns: repeat(3, 1fr); } @media (max-width: 768px) {   .grid-1x3 { grid-template-columns: 1fr; } }

When thinking about refinancing, it's important to weigh the potential savings against the costs of doing it. Things to think about include:

  The difference between your current rate and the new rate: A general rule is to consider refinancing if you can lower your rate by at least 0.75 to 1 percentage point.

  How long you plan to stay in your home: The longer you stay, the more time you have to make back the costs of refinancing.

  The costs of refinancing, including closing costs and fees: These can usually be between 2% to 5% of the loan amount.

  Your long-term financial goals: Think about whether refinancing fits with your overall money plans, like paying off your mortgage faster or freeing up cash for other investments.

Looking Ahead: Mortgage Rate Predictions

While we can't know for sure what will happen in the future, many experts think that mortgage rates will keep going down in the coming months. This outlook is based on several factors, including:

  Economic Factors Nov 18-22, 2024

      Fed Meeting Minutes

    Retail Sales Report

    Housing Starts Data

    Jobless Claims

  .minimalist-mind-map {   display: flex;   flex-direction: column;   align-items: center;   background-color: white;   padding: 20px;   border-radius: 8px;   box-shadow: 0 2px 4px rgba(0,0,0,0.1);   margin: 20px auto;   max-width: 600px; } .minimalist-mind-map .center-topic {   background-color: padding: 10px 20px;   border-radius: 20px;   margin-bottom: 20px;   border: 2px solid .subtopics {   display: flex;   justify-content: space-around;   width: 100%; } .minimalist-mind-map .subtopic {   background-color: padding: 5px 10px;   border-radius: 15px;   border: 1px solid <p><p>1. <strong>Economic Growth Projections: People expect the economy to grow at a steady pace, which could keep inflation in check and possibly lead to lower mortgage rates. Analysts think the economy will grow in a balanced way that doesn't cause rapid inflation, which could allow the Federal Reserve to keep interest rates low. This is usually good for people borrowing money for mortgages, as it tends to keep long-term rates, including mortgage rates, relatively low.

2. Federal Reserve Policy: The Fed's focus on keeping the economy stable could result in policies that indirectly help mortgage borrowers. While the Fed doesn't set mortgage rates directly, their decisions on the federal funds rate and other money policies have a big impact on overall interest rates. If the Fed keeps focusing on economic growth and jobs more than worrying about inflation, it could mean a long period of low interest rates.

3. Global Economic Conditions: What's happening in the world economy and global politics will continue to affect U.S. mortgage rates. Things like trade relationships, how the world economy is growing, and what other countries are doing with their money can change how investors feel and where money flows. If there's still uncertainty in the global economy, it could make more people want to buy U.S. Treasury bonds, which usually leads to lower mortgage rates.

4. Housing Market Dynamics: The balance between how many houses are available and how many people want to buy them will affect how lenders behave and, as a result, mortgage rates. A healthy housing market with steady demand and enough houses for sale can create competition among lenders, which could lead to better rates for borrowers. However, any big changes in how many houses are available or how many people want to buy could affect this balance and change rate trends.

Staying Informed and Ready to Act

In the changing world of mortgage interest rates, knowing what's going on is really important. Stay up-to-date on market trends and economic news to make the best decisions for your money. Here are some ways to stay informed:

  Watch our latest YouTube video on mortgage rate trends

  Follow our TikTok for quick mortgage tips and updates

  Subscribe to our YouTube channel for in-depth mortgage advice

  Join our TikTok community for real-time market insights

  Download our comprehensive mortgage guide

Conclusion: Take Advantage of Lower Mortgage Rates

As we get close to the end of 2024, mortgage rates are looking good for both people who want to buy homes and those who already own homes. With rates expected to go down over the next week, now is a great time to get ready and set yourself up for financial success. This possible drop in rates could mean you save a lot of money over the life of your loan, making it easier to afford a home or making refinancing more attractive.

Remember, while lower rates are great, they're just one part of getting a mortgage. Think about your long-term money goals, your current financial situation, and all the costs of owning a home when deciding whether to buy or refinance. It's important to look at the big picture, including things like property taxes, insurance, maintenance costs, and how your income or expenses might change over time.

By staying informed, working on improving your finances, and being ready to act when the right opportunity comes up, you can make the most of the current mortgage rate situation. Whether you're looking to buy your first home, move to a new house, or refinance your current mortgage, the coming weeks could be the perfect time to make your home ownership dreams come true. Keep in mind that the mortgage market can change quickly, so being prepared and able to make decisions quickly can give you a big advantage.

                          Rates Expected to Decrease

    Mortgage rates are likely to go down over the next week, making it a good time for homebuyers and refinancing. This trend is influenced by economic indicators and Federal Reserve policies.

                                                    Consider the Full Picture

    While lower rates are appealing, think about your long-term money goals, current finances, and overall costs of owning a home when making decisions. Factor in property taxes, insurance, and potential changes in your financial situation.

                            Be Prepared to Act

    Stay informed and improve your financial health to be ready when the right opportunity comes up in the coming weeks. This includes getting pre-approved, comparing lenders, and monitoring economic indicators that affect mortgage rates.

  .minimalist-grid-container {   display: grid;   gap: 20px;   max-width: 800px;   margin: 0 auto;   font-family: Arial, sans-serif; } .minimalist-grid-container .grid-item {   background-color: border-radius: 8px;   padding: 20px;   text-align: center;   box-shadow: 0 2px 4px rgba(0,0,0,0.1); } .minimalist-grid-container .grid-item h3 {   color: margin: 10px 0 5px;   font-size: 16px; } .minimalist-grid-container .grid-item p {   color: margin: 0;   font-size: 14px; } .icon {   width: 40px;   height: 40px;   margin-bottom: 10px;   fill: none;   stroke: stroke-width: 2;   stroke-linecap: round;   stroke-linejoin: round; } .grid-3x1 { grid-template-columns: 1fr; }

Don't miss out on this chance. Start looking into mortgages today, and take advantage of the good conditions coming up. Your future self will thank you for making smart money decisions now. Remember, getting a mortgage or refinancing at the right time can help you be financially stable for a long time and help you achieve your home ownership goals. Stay active, do your research, and don't be afraid to ask for professional advice to make sure you're making the best decision for your unique situation. Good luck with your house hunting!

https://themortgage.app/post/whats-with-rates-this-week-nov-18th-2024

[realestatehomeinsider]

What's with Rates!?!? for the week of 11.18.24

Understanding Mortgage Interest Rates

Mortgage interest rates can be confusing, but knowing how they work could save you lots of money when buying a home. Whether you're getting your first house or looking to refinance, it's important to understand what affects mortgage rates and how to get the best deal. Let's look at what goes into setting mortgage rates and how you can take advantage of current market conditions to save money on your home loan.

Key Takeaways

      Aspect     Details         Current Trend     Mortgage rates expected to decrease slightly in the coming week         Economic Factors     Fed announcements, employment data, CPI report, global events, and housing market reports         Strategies     Get pre-approved, compare lenders, consider points, improve credit score         Refinance Opportunity     Potential for significant savings if current loan was secured at higher rates         Future Outlook     Experts predict continued downward trend in coming months  

The Current Mortgage Rate Landscape

As we near the end of 2024, there's a lot happening in the mortgage market. While we can't give exact interest rates, things are looking better for people wanting to borrow money. Smart homebuyers are taking advantage of this change, locking in rates that could save them a lot of money over time. This positive trend is happening because of things like what people expect inflation to do, job numbers, and what's going on in the world economy.

        Experts think mortgage rates will slowly go down over the next week, which could be good news for people looking to buy a house or refinance their loans. This possible drop in rates is because of several things happening in the economy that we'll talk about more. It's important to know that even small changes in interest rates can mean big savings over the life of a mortgage, so it's a good idea to stay informed and be ready to act when rates are in your favor.

Economic Factors Influencing Mortgage Rates

The week of November 18th to November 22nd, 2024, is going to be really important for people watching mortgage rates. Several key economic events are happening that could really affect interest rates:

  Key Economic Factors Influencing Mortgage Rates (Nov 18-22, 2024)

                  Fed Announcements

                    CPI Report

                    Employment Data

                    Global Events

                    Housing Reports

      .minimalist-chart-container {   max-width: 500px;   margin: 20px auto;   text-align: center;   background-color: white;   padding: 20px;   border-radius: 8px;   box-shadow: 0 2px 4px rgba(0,0,0,0.1); } .minimalist-chart {   display: flex;   justify-content: space-around;   align-items: flex-end;   height: 200px;   padding: 20px 0;   background-color: border-radius: 8px;   position: relative; } .chart-column {   display: flex;   flex-direction: column;   align-items: center;   flex-grow: 1;   height: 100%; } .minimalist-chart .bar {   width: 40px;   background-color: position: absolute;   bottom: 25px;   border-radius: 4px 4px 0 0; } .minimalist-chart .bar::before {   content: attr(data-value) '%';   position: absolute;   top: -25px;   left: 50%;   transform: translateX(-50%);   font-size: 12px; } .bar-label {   position: absolute;   bottom: 0;   font-size: 6px;   color: max-width: 50px;   word-wrap: break-word;   text-align: center; }

1. Federal Reserve Announcements: The Fed doesn't directly set mortgage rates, but what they decide affects the whole financial market. Listen for any statements about inflation goals and how they think the economy will grow. How the Fed handles money policies, including any changes to the federal funds rate or talks about quantitative easing, can really affect the mortgage market. People who study this stuff will be looking closely at what words the Fed uses to try and guess what they might do in the future.

2. Employment Data: New information about jobs could change how confident lenders feel. When employment numbers are strong, it often means better borrowing conditions. Important things to watch are the unemployment rate, how many new jobs are created, and if wages are going up. A strong job market usually means the economy is healthy, which can lead to more people wanting mortgages and possibly lower rates as lenders compete for business.

3. Consumer Price Index (CPI) Report: This important report shows how inflation is doing, which can really affect mortgage rates. If the CPI is lower than expected, it could mean rates might go down. The CPI measures how much prices change over time for things people buy regularly. If inflation stays low or goes down, it might encourage the Fed to keep interest rates the same or lower them, which could be good for mortgage rates.

4. Global Economic Events: Things happening in other countries, like trade talks or big political changes, can affect U.S. mortgage rates. It's a good idea to keep an eye on major world economic news during this week. Things like trade agreements, changes in government in big countries, or big shifts in global commodity prices can change how investors feel and, as a result, affect mortgage rates. Because financial markets around the world are connected, events far away can directly impact your mortgage options.

5. Housing Market Reports: New information about home sales and how many new houses are being built can change how lenders feel about the real estate market, which might affect their decisions on rates. Reports on existing home sales, new home construction, and how many houses are available give insights into how healthy the housing market is overall. A strong housing market might lead to more competition among lenders, which could mean better rates for borrowers.

Strategies for Navigating the Current Rate Environment

With rates expected to go down, now is a great time to get ready for the best possible mortgage terms. Here are some things you can do:

                    Fed Meeting Minutes

    Release of October FOMC meeting minutes on Wednesday

                      Existing Home Sales

    October existing home sales data released on Tuesday

                      Jobless Claims

    Weekly unemployment claims report on Thursday

                            Consumer Sentiment

    Final November consumer sentiment index on Friday

  .minimalist-grid-container {   display: grid;   gap: 20px;   max-width: 800px;   margin: 0 auto;   font-family: Arial, sans-serif; } .minimalist-grid-container .grid-item {   background-color: border-radius: 8px;   padding: 20px;   text-align: center;   box-shadow: 0 2px 4px rgba(0,0,0,0.1); } .minimalist-grid-container .grid-item h3 {   color: margin: 10px 0 5px;   font-size: 16px; } .minimalist-grid-container .grid-item p {   color: margin: 0;   font-size: 14px; } .icon {   width: 40px;   height: 40px;   margin-bottom: 10px;   fill: none;   stroke: stroke-width: 2;   stroke-linecap: round;   stroke-linejoin: round; } .grid-2x2 { grid-template-columns: repeat(2, 1fr); } @media (max-width: 768px) {   .grid-2x2 { grid-template-columns: 1fr; } }

1. Get Pre-Approved: Getting pre-approved for a mortgage can give you an edge in a fast-moving market. It shows sellers you're serious and helps you act quickly when rates go down. When you get pre-approved, a lender looks closely at your finances to tell you how much you can borrow and at what rate. This process can also help you find and fix any problems with your credit report or finances before you start looking for a house.

2. Compare Lenders: Don't just go with the first offer you get. Look at rates from different lenders to make sure you're getting the best deal. This includes regular banks, credit unions, and online lenders. Each might have different rules and offer different products that could be better for your situation. When comparing, look at more than just the interest rate – think about things like fees, how long the loan is for, and how good their customer service is.

3. Consider Points: Paying points upfront can lower your interest rate for the whole time you have the loan. This can be a good idea if you plan to stay in your home for a long time. One point usually equals 1% of how much you're borrowing and can lower your rate by 0.25%. Figure out how long it will take for the savings to be worth the cost to decide if this is a good choice for you. Remember, while points can save you money in the long run, you need to pay more at the start.

4. Improve Your Credit Score: Even a small increase in your credit score can get you a better interest rate. Try to pay off debts and fix any mistakes on your credit report before applying for a mortgage. Focus on using less of your available credit, paying all your bills on time, and not applying for new credit in the months before you apply for a mortgage. A higher credit score not only makes it more likely you'll be approved, but can also get you better loan terms.

The Refinance Opportunity

For people who already own homes, the possible drop in rates could be a great chance to refinance. Refinancing your mortgage could save you a lot of money, especially if you got your current loan when rates were higher. Refinancing means replacing your existing mortgage with a new one, possibly with better terms or a lower interest rate.

      "Economic factors this week point towards a gradual easing of mortgage rates, with key data releases and Federal Reserve speeches likely to shape market sentiment. Homeowners and potential buyers should stay alert to these developments, as they could signal an opportune moment to lock in favorable rates."

    — Economic Analysts, November 2024

  .minimalist-quote-container {   max-width: 600px;   margin: 20px auto;   background-color: padding: 30px;   border-radius: 8px;   box-shadow: 0 2px 4px rgba(0,0,0,0.1); } .minimalist-quote-container blockquote {   margin: 0;   padding: 10px 20px;   border-left: 4px solid blockquote p {   font-style: italic;   font-size: 1.1em;   margin-bottom: 10px; } .minimalist-quote-container blockquote footer {   font-size: 0.9em;   text-align: right; }

                    Fed Speeches

    Multiple Federal Reserve officials to give speeches on economic outlook

                            Economic Reports

    Release of housing starts and existing home sales data

                            Market Trends

    Analysts expect slight downward trend in mortgage rates

  .minimalist-grid-container {   display: grid;   gap: 20px;   max-width: 800px;   margin: 0 auto;   font-family: Arial, sans-serif; } .minimalist-grid-container .grid-item {   background-color: border-radius: 8px;   padding: 20px;   text-align: center;   box-shadow: 0 2px 4px rgba(0,0,0,0.1); } .minimalist-grid-container .grid-item h3 {   color: margin: 10px 0 5px;   font-size: 16px; } .minimalist-grid-container .grid-item p {   color: margin: 0;   font-size: 14px; } .icon {   width: 40px;   height: 40px;   margin-bottom: 10px;   fill: none;   stroke: stroke-width: 2;   stroke-linecap: round;   stroke-linejoin: round; } .grid-1x3 { grid-template-columns: repeat(3, 1fr); } @media (max-width: 768px) {   .grid-1x3 { grid-template-columns: 1fr; } }

When thinking about refinancing, it's important to weigh the potential savings against the costs of doing it. Things to think about include:

  The difference between your current rate and the new rate: A general rule is to consider refinancing if you can lower your rate by at least 0.75 to 1 percentage point.

  How long you plan to stay in your home: The longer you stay, the more time you have to make back the costs of refinancing.

  The costs of refinancing, including closing costs and fees: These can usually be between 2% to 5% of the loan amount.

  Your long-term financial goals: Think about whether refinancing fits with your overall money plans, like paying off your mortgage faster or freeing up cash for other investments.

Looking Ahead: Mortgage Rate Predictions

While we can't know for sure what will happen in the future, many experts think that mortgage rates will keep going down in the coming months. This outlook is based on several factors, including:

  Economic Factors Nov 18-22, 2024

      Fed Meeting Minutes

    Retail Sales Report

    Housing Starts Data

    Jobless Claims

  .minimalist-mind-map {   display: flex;   flex-direction: column;   align-items: center;   background-color: white;   padding: 20px;   border-radius: 8px;   box-shadow: 0 2px 4px rgba(0,0,0,0.1);   margin: 20px auto;   max-width: 600px; } .minimalist-mind-map .center-topic {   background-color: padding: 10px 20px;   border-radius: 20px;   margin-bottom: 20px;   border: 2px solid .subtopics {   display: flex;   justify-content: space-around;   width: 100%; } .minimalist-mind-map .subtopic {   background-color: padding: 5px 10px;   border-radius: 15px;   border: 1px solid <p><p>1. <strong>Economic Growth Projections: People expect the economy to grow at a steady pace, which could keep inflation in check and possibly lead to lower mortgage rates. Analysts think the economy will grow in a balanced way that doesn't cause rapid inflation, which could allow the Federal Reserve to keep interest rates low. This is usually good for people borrowing money for mortgages, as it tends to keep long-term rates, including mortgage rates, relatively low.

2. Federal Reserve Policy: The Fed's focus on keeping the economy stable could result in policies that indirectly help mortgage borrowers. While the Fed doesn't set mortgage rates directly, their decisions on the federal funds rate and other money policies have a big impact on overall interest rates. If the Fed keeps focusing on economic growth and jobs more than worrying about inflation, it could mean a long period of low interest rates.

3. Global Economic Conditions: What's happening in the world economy and global politics will continue to affect U.S. mortgage rates. Things like trade relationships, how the world economy is growing, and what other countries are doing with their money can change how investors feel and where money flows. If there's still uncertainty in the global economy, it could make more people want to buy U.S. Treasury bonds, which usually leads to lower mortgage rates.

4. Housing Market Dynamics: The balance between how many houses are available and how many people want to buy them will affect how lenders behave and, as a result, mortgage rates. A healthy housing market with steady demand and enough houses for sale can create competition among lenders, which could lead to better rates for borrowers. However, any big changes in how many houses are available or how many people want to buy could affect this balance and change rate trends.

Staying Informed and Ready to Act

In the changing world of mortgage interest rates, knowing what's going on is really important. Stay up-to-date on market trends and economic news to make the best decisions for your money. Here are some ways to stay informed:

  Watch our latest YouTube video on mortgage rate trends

  Follow our TikTok for quick mortgage tips and updates

  Subscribe to our YouTube channel for in-depth mortgage advice

  Join our TikTok community for real-time market insights

  Download our comprehensive mortgage guide

Conclusion: Take Advantage of Lower Mortgage Rates

As we get close to the end of 2024, mortgage rates are looking good for both people who want to buy homes and those who already own homes. With rates expected to go down over the next week, now is a great time to get ready and set yourself up for financial success. This possible drop in rates could mean you save a lot of money over the life of your loan, making it easier to afford a home or making refinancing more attractive.

Remember, while lower rates are great, they're just one part of getting a mortgage. Think about your long-term money goals, your current financial situation, and all the costs of owning a home when deciding whether to buy or refinance. It's important to look at the big picture, including things like property taxes, insurance, maintenance costs, and how your income or expenses might change over time.

By staying informed, working on improving your finances, and being ready to act when the right opportunity comes up, you can make the most of the current mortgage rate situation. Whether you're looking to buy your first home, move to a new house, or refinance your current mortgage, the coming weeks could be the perfect time to make your home ownership dreams come true. Keep in mind that the mortgage market can change quickly, so being prepared and able to make decisions quickly can give you a big advantage.

                          Rates Expected to Decrease

    Mortgage rates are likely to go down over the next week, making it a good time for homebuyers and refinancing. This trend is influenced by economic indicators and Federal Reserve policies.

                                                    Consider the Full Picture

    While lower rates are appealing, think about your long-term money goals, current finances, and overall costs of owning a home when making decisions. Factor in property taxes, insurance, and potential changes in your financial situation.

                            Be Prepared to Act

    Stay informed and improve your financial health to be ready when the right opportunity comes up in the coming weeks. This includes getting pre-approved, comparing lenders, and monitoring economic indicators that affect mortgage rates.

  .minimalist-grid-container {   display: grid;   gap: 20px;   max-width: 800px;   margin: 0 auto;   font-family: Arial, sans-serif; } .minimalist-grid-container .grid-item {   background-color: border-radius: 8px;   padding: 20px;   text-align: center;   box-shadow: 0 2px 4px rgba(0,0,0,0.1); } .minimalist-grid-container .grid-item h3 {   color: margin: 10px 0 5px;   font-size: 16px; } .minimalist-grid-container .grid-item p {   color: margin: 0;   font-size: 14px; } .icon {   width: 40px;   height: 40px;   margin-bottom: 10px;   fill: none;   stroke: stroke-width: 2;   stroke-linecap: round;   stroke-linejoin: round; } .grid-3x1 { grid-template-columns: 1fr; }

Don't miss out on this chance. Start looking into mortgages today, and take advantage of the good conditions coming up. Your future self will thank you for making smart money decisions now. Remember, getting a mortgage or refinancing at the right time can help you be financially stable for a long time and help you achieve your home ownership goals. Stay active, do your research, and don't be afraid to ask for professional advice to make sure you're making the best decision for your unique situation. Good luck with your house hunting!

https://themortgage.app/post/whats-with-rates-this-week-nov-18th-2024

[919mortgages]

What's with Rates!?!? for the week of 11.18.24

Understanding Mortgage Interest Rates

Mortgage interest rates can be confusing, but knowing how they work could save you lots of money when buying a home. Whether you're getting your first house or looking to refinance, it's important to understand what affects mortgage rates and how to get the best deal. Let's look at what goes into setting mortgage rates and how you can take advantage of current market conditions to save money on your home loan.

Key Takeaways

      Aspect     Details         Current Trend     Mortgage rates expected to decrease slightly in the coming week         Economic Factors     Fed announcements, employment data, CPI report, global events, and housing market reports         Strategies     Get pre-approved, compare lenders, consider points, improve credit score         Refinance Opportunity     Potential for significant savings if current loan was secured at higher rates         Future Outlook     Experts predict continued downward trend in coming months  

The Current Mortgage Rate Landscape

As we near the end of 2024, there's a lot happening in the mortgage market. While we can't give exact interest rates, things are looking better for people wanting to borrow money. Smart homebuyers are taking advantage of this change, locking in rates that could save them a lot of money over time. This positive trend is happening because of things like what people expect inflation to do, job numbers, and what's going on in the world economy.

        Experts think mortgage rates will slowly go down over the next week, which could be good news for people looking to buy a house or refinance their loans. This possible drop in rates is because of several things happening in the economy that we'll talk about more. It's important to know that even small changes in interest rates can mean big savings over the life of a mortgage, so it's a good idea to stay informed and be ready to act when rates are in your favor.

Economic Factors Influencing Mortgage Rates

The week of November 18th to November 22nd, 2024, is going to be really important for people watching mortgage rates. Several key economic events are happening that could really affect interest rates:

  Key Economic Factors Influencing Mortgage Rates (Nov 18-22, 2024)

                  Fed Announcements

                    CPI Report

                    Employment Data

                    Global Events

                    Housing Reports

      .minimalist-chart-container {   max-width: 500px;   margin: 20px auto;   text-align: center;   background-color: white;   padding: 20px;   border-radius: 8px;   box-shadow: 0 2px 4px rgba(0,0,0,0.1); } .minimalist-chart {   display: flex;   justify-content: space-around;   align-items: flex-end;   height: 200px;   padding: 20px 0;   background-color: border-radius: 8px;   position: relative; } .chart-column {   display: flex;   flex-direction: column;   align-items: center;   flex-grow: 1;   height: 100%; } .minimalist-chart .bar {   width: 40px;   background-color: position: absolute;   bottom: 25px;   border-radius: 4px 4px 0 0; } .minimalist-chart .bar::before {   content: attr(data-value) '%';   position: absolute;   top: -25px;   left: 50%;   transform: translateX(-50%);   font-size: 12px; } .bar-label {   position: absolute;   bottom: 0;   font-size: 6px;   color: max-width: 50px;   word-wrap: break-word;   text-align: center; }

1. Federal Reserve Announcements: The Fed doesn't directly set mortgage rates, but what they decide affects the whole financial market. Listen for any statements about inflation goals and how they think the economy will grow. How the Fed handles money policies, including any changes to the federal funds rate or talks about quantitative easing, can really affect the mortgage market. People who study this stuff will be looking closely at what words the Fed uses to try and guess what they might do in the future.

2. Employment Data: New information about jobs could change how confident lenders feel. When employment numbers are strong, it often means better borrowing conditions. Important things to watch are the unemployment rate, how many new jobs are created, and if wages are going up. A strong job market usually means the economy is healthy, which can lead to more people wanting mortgages and possibly lower rates as lenders compete for business.

3. Consumer Price Index (CPI) Report: This important report shows how inflation is doing, which can really affect mortgage rates. If the CPI is lower than expected, it could mean rates might go down. The CPI measures how much prices change over time for things people buy regularly. If inflation stays low or goes down, it might encourage the Fed to keep interest rates the same or lower them, which could be good for mortgage rates.

4. Global Economic Events: Things happening in other countries, like trade talks or big political changes, can affect U.S. mortgage rates. It's a good idea to keep an eye on major world economic news during this week. Things like trade agreements, changes in government in big countries, or big shifts in global commodity prices can change how investors feel and, as a result, affect mortgage rates. Because financial markets around the world are connected, events far away can directly impact your mortgage options.

5. Housing Market Reports: New information about home sales and how many new houses are being built can change how lenders feel about the real estate market, which might affect their decisions on rates. Reports on existing home sales, new home construction, and how many houses are available give insights into how healthy the housing market is overall. A strong housing market might lead to more competition among lenders, which could mean better rates for borrowers.

Strategies for Navigating the Current Rate Environment

With rates expected to go down, now is a great time to get ready for the best possible mortgage terms. Here are some things you can do:

                    Fed Meeting Minutes

    Release of October FOMC meeting minutes on Wednesday

                      Existing Home Sales

    October existing home sales data released on Tuesday

                      Jobless Claims

    Weekly unemployment claims report on Thursday

                            Consumer Sentiment

    Final November consumer sentiment index on Friday

  .minimalist-grid-container {   display: grid;   gap: 20px;   max-width: 800px;   margin: 0 auto;   font-family: Arial, sans-serif; } .minimalist-grid-container .grid-item {   background-color: border-radius: 8px;   padding: 20px;   text-align: center;   box-shadow: 0 2px 4px rgba(0,0,0,0.1); } .minimalist-grid-container .grid-item h3 {   color: margin: 10px 0 5px;   font-size: 16px; } .minimalist-grid-container .grid-item p {   color: margin: 0;   font-size: 14px; } .icon {   width: 40px;   height: 40px;   margin-bottom: 10px;   fill: none;   stroke: stroke-width: 2;   stroke-linecap: round;   stroke-linejoin: round; } .grid-2x2 { grid-template-columns: repeat(2, 1fr); } @media (max-width: 768px) {   .grid-2x2 { grid-template-columns: 1fr; } }

1. Get Pre-Approved: Getting pre-approved for a mortgage can give you an edge in a fast-moving market. It shows sellers you're serious and helps you act quickly when rates go down. When you get pre-approved, a lender looks closely at your finances to tell you how much you can borrow and at what rate. This process can also help you find and fix any problems with your credit report or finances before you start looking for a house.

2. Compare Lenders: Don't just go with the first offer you get. Look at rates from different lenders to make sure you're getting the best deal. This includes regular banks, credit unions, and online lenders. Each might have different rules and offer different products that could be better for your situation. When comparing, look at more than just the interest rate – think about things like fees, how long the loan is for, and how good their customer service is.

3. Consider Points: Paying points upfront can lower your interest rate for the whole time you have the loan. This can be a good idea if you plan to stay in your home for a long time. One point usually equals 1% of how much you're borrowing and can lower your rate by 0.25%. Figure out how long it will take for the savings to be worth the cost to decide if this is a good choice for you. Remember, while points can save you money in the long run, you need to pay more at the start.

4. Improve Your Credit Score: Even a small increase in your credit score can get you a better interest rate. Try to pay off debts and fix any mistakes on your credit report before applying for a mortgage. Focus on using less of your available credit, paying all your bills on time, and not applying for new credit in the months before you apply for a mortgage. A higher credit score not only makes it more likely you'll be approved, but can also get you better loan terms.

The Refinance Opportunity

For people who already own homes, the possible drop in rates could be a great chance to refinance. Refinancing your mortgage could save you a lot of money, especially if you got your current loan when rates were higher. Refinancing means replacing your existing mortgage with a new one, possibly with better terms or a lower interest rate.

      "Economic factors this week point towards a gradual easing of mortgage rates, with key data releases and Federal Reserve speeches likely to shape market sentiment. Homeowners and potential buyers should stay alert to these developments, as they could signal an opportune moment to lock in favorable rates."

    — Economic Analysts, November 2024

  .minimalist-quote-container {   max-width: 600px;   margin: 20px auto;   background-color: padding: 30px;   border-radius: 8px;   box-shadow: 0 2px 4px rgba(0,0,0,0.1); } .minimalist-quote-container blockquote {   margin: 0;   padding: 10px 20px;   border-left: 4px solid blockquote p {   font-style: italic;   font-size: 1.1em;   margin-bottom: 10px; } .minimalist-quote-container blockquote footer {   font-size: 0.9em;   text-align: right; }

                    Fed Speeches

    Multiple Federal Reserve officials to give speeches on economic outlook

                            Economic Reports

    Release of housing starts and existing home sales data

                            Market Trends

    Analysts expect slight downward trend in mortgage rates

  .minimalist-grid-container {   display: grid;   gap: 20px;   max-width: 800px;   margin: 0 auto;   font-family: Arial, sans-serif; } .minimalist-grid-container .grid-item {   background-color: border-radius: 8px;   padding: 20px;   text-align: center;   box-shadow: 0 2px 4px rgba(0,0,0,0.1); } .minimalist-grid-container .grid-item h3 {   color: margin: 10px 0 5px;   font-size: 16px; } .minimalist-grid-container .grid-item p {   color: margin: 0;   font-size: 14px; } .icon {   width: 40px;   height: 40px;   margin-bottom: 10px;   fill: none;   stroke: stroke-width: 2;   stroke-linecap: round;   stroke-linejoin: round; } .grid-1x3 { grid-template-columns: repeat(3, 1fr); } @media (max-width: 768px) {   .grid-1x3 { grid-template-columns: 1fr; } }

When thinking about refinancing, it's important to weigh the potential savings against the costs of doing it. Things to think about include:

  The difference between your current rate and the new rate: A general rule is to consider refinancing if you can lower your rate by at least 0.75 to 1 percentage point.

  How long you plan to stay in your home: The longer you stay, the more time you have to make back the costs of refinancing.

  The costs of refinancing, including closing costs and fees: These can usually be between 2% to 5% of the loan amount.

  Your long-term financial goals: Think about whether refinancing fits with your overall money plans, like paying off your mortgage faster or freeing up cash for other investments.

Looking Ahead: Mortgage Rate Predictions

While we can't know for sure what will happen in the future, many experts think that mortgage rates will keep going down in the coming months. This outlook is based on several factors, including:

  Economic Factors Nov 18-22, 2024

      Fed Meeting Minutes

    Retail Sales Report

    Housing Starts Data

    Jobless Claims

  .minimalist-mind-map {   display: flex;   flex-direction: column;   align-items: center;   background-color: white;   padding: 20px;   border-radius: 8px;   box-shadow: 0 2px 4px rgba(0,0,0,0.1);   margin: 20px auto;   max-width: 600px; } .minimalist-mind-map .center-topic {   background-color: padding: 10px 20px;   border-radius: 20px;   margin-bottom: 20px;   border: 2px solid .subtopics {   display: flex;   justify-content: space-around;   width: 100%; } .minimalist-mind-map .subtopic {   background-color: padding: 5px 10px;   border-radius: 15px;   border: 1px solid <p><p>1. <strong>Economic Growth Projections: People expect the economy to grow at a steady pace, which could keep inflation in check and possibly lead to lower mortgage rates. Analysts think the economy will grow in a balanced way that doesn't cause rapid inflation, which could allow the Federal Reserve to keep interest rates low. This is usually good for people borrowing money for mortgages, as it tends to keep long-term rates, including mortgage rates, relatively low.

2. Federal Reserve Policy: The Fed's focus on keeping the economy stable could result in policies that indirectly help mortgage borrowers. While the Fed doesn't set mortgage rates directly, their decisions on the federal funds rate and other money policies have a big impact on overall interest rates. If the Fed keeps focusing on economic growth and jobs more than worrying about inflation, it could mean a long period of low interest rates.

3. Global Economic Conditions: What's happening in the world economy and global politics will continue to affect U.S. mortgage rates. Things like trade relationships, how the world economy is growing, and what other countries are doing with their money can change how investors feel and where money flows. If there's still uncertainty in the global economy, it could make more people want to buy U.S. Treasury bonds, which usually leads to lower mortgage rates.

4. Housing Market Dynamics: The balance between how many houses are available and how many people want to buy them will affect how lenders behave and, as a result, mortgage rates. A healthy housing market with steady demand and enough houses for sale can create competition among lenders, which could lead to better rates for borrowers. However, any big changes in how many houses are available or how many people want to buy could affect this balance and change rate trends.

Staying Informed and Ready to Act

In the changing world of mortgage interest rates, knowing what's going on is really important. Stay up-to-date on market trends and economic news to make the best decisions for your money. Here are some ways to stay informed:

  Watch our latest YouTube video on mortgage rate trends

  Follow our TikTok for quick mortgage tips and updates

  Subscribe to our YouTube channel for in-depth mortgage advice

  Join our TikTok community for real-time market insights

  Download our comprehensive mortgage guide

Conclusion: Take Advantage of Lower Mortgage Rates

As we get close to the end of 2024, mortgage rates are looking good for both people who want to buy homes and those who already own homes. With rates expected to go down over the next week, now is a great time to get ready and set yourself up for financial success. This possible drop in rates could mean you save a lot of money over the life of your loan, making it easier to afford a home or making refinancing more attractive.

Remember, while lower rates are great, they're just one part of getting a mortgage. Think about your long-term money goals, your current financial situation, and all the costs of owning a home when deciding whether to buy or refinance. It's important to look at the big picture, including things like property taxes, insurance, maintenance costs, and how your income or expenses might change over time.

By staying informed, working on improving your finances, and being ready to act when the right opportunity comes up, you can make the most of the current mortgage rate situation. Whether you're looking to buy your first home, move to a new house, or refinance your current mortgage, the coming weeks could be the perfect time to make your home ownership dreams come true. Keep in mind that the mortgage market can change quickly, so being prepared and able to make decisions quickly can give you a big advantage.

                          Rates Expected to Decrease

    Mortgage rates are likely to go down over the next week, making it a good time for homebuyers and refinancing. This trend is influenced by economic indicators and Federal Reserve policies.

                                                    Consider the Full Picture

    While lower rates are appealing, think about your long-term money goals, current finances, and overall costs of owning a home when making decisions. Factor in property taxes, insurance, and potential changes in your financial situation.

                            Be Prepared to Act

    Stay informed and improve your financial health to be ready when the right opportunity comes up in the coming weeks. This includes getting pre-approved, comparing lenders, and monitoring economic indicators that affect mortgage rates.

  .minimalist-grid-container {   display: grid;   gap: 20px;   max-width: 800px;   margin: 0 auto;   font-family: Arial, sans-serif; } .minimalist-grid-container .grid-item {   background-color: border-radius: 8px;   padding: 20px;   text-align: center;   box-shadow: 0 2px 4px rgba(0,0,0,0.1); } .minimalist-grid-container .grid-item h3 {   color: margin: 10px 0 5px;   font-size: 16px; } .minimalist-grid-container .grid-item p {   color: margin: 0;   font-size: 14px; } .icon {   width: 40px;   height: 40px;   margin-bottom: 10px;   fill: none;   stroke: stroke-width: 2;   stroke-linecap: round;   stroke-linejoin: round; } .grid-3x1 { grid-template-columns: 1fr; }

Don't miss out on this chance. Start looking into mortgages today, and take advantage of the good conditions coming up. Your future self will thank you for making smart money decisions now. Remember, getting a mortgage or refinancing at the right time can help you be financially stable for a long time and help you achieve your home ownership goals. Stay active, do your research, and don't be afraid to ask for professional advice to make sure you're making the best decision for your unique situation. Good luck with your house hunting!

https://themortgage.app/post/whats-with-rates-this-week-nov-18th-2024

[maziekeen]

hi there! i'm currently using theme 224 and images over a certain height are made smaller and become blurry, but look perfectly fine when viewed on the dashboard. do you happen to know if there's any fix for this?

hi there! do you have a example post i can look and debug? it might be pixels that are messing out the posts width. this theme have toggles in the appearance to use 540px, 500px, 400px and each size have their own padding, so it won't look weird or blurry

[juristique]

BT01 Index for July 2023 was published officially

New Post has been published on https://www.juristique.org/en/news/bt01-index-july-2023

BT01 Index for July 2023 was published officially

The BT01 Index for July 2023 was published in the official journal on 09/16/2023.

The value of the BT01 Index for July 2023 is 129.7 to 127.7 in July 2022, an annual increase of 1.57% over 12 rolling months. The July index decreased by 0,46% from the previous month (130.3 in June 2023).

Sommaire

1 BT01 index variation table for July 2023

2 Download the values of all BT indexes for July 2023:

3 Frequently asked questions about the BT01 index for July 2023

BT01 index variation table for July 2023

 Index BT01 July 2023Index BT01 June 2023Index BT01 July 2022Value of BT01 index129.7130.3127.7Variation in % compared to the base Down 0.46%Up 1.57%

Values and % change in the BT01 index for July 2023

Official source: Insee.

Our index evolution table for 2022 has been updated here: BT01 Index 2023.

Publication of BT01 Index for July 2023

The BT01 Index (base 100 in 2010) measures changes in the cost of factors of production in the Building Industry (salaries and expenses, cost of materials, energy, etc.). It is the official reference for updating and revising construction contract prices.

The Index is published each month by INSEE with a 3-month delay. It thus succeeded the Index of the Building and Public Works (1974 and 1975), which was stopped. Most companies in various construction trades (electricity, painting, masonry, etc.) are concerned with the BT01 Index.

Download the values of all BT indexes for July 2023:

#pdfp65080dfa7c576 .title font-size: 16px; #pdfp65080dfa7c576 iframe height: 500px; #pdfp65080dfa7c576 width: 100%; .pdfp10d6e2ccbtn background: #2271b1; color: #fff; padding: 10px 20px 10px 10px

Official publication of other BT and TP indices for July 2023

Download the other BT and TP indexes for July 2023

Frequently asked questions about the BT01 index for July 2023

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What is the value of the BT01 index for July 2023?

The BT01 index value for July 2023 is 129.7.

What is the one-year increase in the BT01 index for July 2023 (July 2022)?

The July 2023 BT01 Index (129.7) is up 1.57% over one year (127.7 in July 2022).

What is the increase in the BT01 index for July 2023 compared to the previous month (June 2023)?

The July 2023 BT01 Index (129.7) decreased by 0.46% from the previous month (130.3 in June 2023).

[nintendo-3ds-official]

<!DOCTYPE html>

<html lang="en">

<head>

<meta charset="UTF-8">

<meta name="viewport" content="width=device-width, initial-scale=1.0">

<title>FNaF-Inspired Game</title>

<style>

body {

font-family: Arial, sans-serif;

background-color: #111;

color: #fff;

display: flex;

justify-content: center;

align-items: center;

height: 100vh;

margin: 0;

}

#game {

text-align: center;

max-width: 500px;

}

button {

padding: 10px 20px;

margin: 5px;

background-color: #444;

border: none;

color: #fff;

cursor: pointer;

font-size: 16px;

}

button:hover {

background-color: #666;

}

#status {

margin-top: 20px;

font-size: 18px;

}

#power {

margin-top: 10px;

font-size: 20px;

color: #f00;

}

</style>

</head>

<body>

<div id="game">

<h1>FNaF-Inspired Game</h1>

<p>Monitor the cameras, manage your power, and survive until 6 AM!</p>

<button onclick="checkCamera(1)">Check Camera 1</button>

<button onclick="checkCamera(2)">Check Camera 2</button>

<button onclick="checkCamera(3)">Check Camera 3</button>

<button onclick="checkCamera(4)">Check Camera 4</button>

<button onclick="closeDoor()">Close Door</button>

<div id="status"></div>

<div id="power">Power: 100%</div>

</div>

<script>

let animatronics = [

{ position: Math.floor(Math.random() * 4) + 1, moving: true },

{ position: Math.floor(Math.random() * 4) + 1, moving: true }

];

let isDoorClosed = false;

let power = 100;

let gameOver = false;

let timeLeft = 360; // 6 minutes = 360 seconds (one second in game is like 1 second of real-time)

function checkCamera(camera) {

if (gameOver || power <= 0) return;

power -= 5;

updatePower();

let found = false;

for (let animatronic of animatronics) {

if (animatronic.position === camera && animatronic.moving) {

found = true;

document.getElementById('status').innerText = "An animatronic is here! Close the door!";

break;

}

}

if (!found) {

document.getElementById('status').innerText = "The camera is clear.";

}

}

function closeDoor() {

if (gameOver || power <= 0) return;

power -= 10;

updatePower();

let danger = false;

for (let animatronic of animatronics) {

if (animatronic.moving && (animatronic.position === 1 || animatronic.position === 2 || animatronic.position === 3 || animatronic.position === 4)) {

danger = true;

animatronic.moving = false;

}

}

if (danger) {

isDoorClosed = true;

document.getElementById('status').innerText = "You closed the door in time!";

setTimeout(resetDoor, 3000);

} else {

document.getElementById('status').innerText = "Nothing to close the door for.";

}

}

function resetDoor() {

isDoorClosed = false;

document.getElementById('status').innerText = "";

}

function updatePower() {

document.getElementById('power').innerText = `Power: ${power}%`;

if (power <= 0) {

gameOver = true;

document.getElementById('status').innerText = "Power is out! The animatronics got you. Game Over.";

}

}

function gameTimer() {

if (gameOver || power <= 0) return;

timeLeft -= 1;

if (timeLeft <= 0) {

gameOver = true;

document.getElementById('status').innerText = "You survived until 6 AM! You win!";

return;

}

// Randomly move animatronics

for (let animatronic of animatronics) {

if (Math.random() < 0.4) {

animatronic.position = Math.floor(Math.random() * 4) + 1;

animatronic.moving = true;

}

}

if (!isDoorClosed) {

for (let animatronic of animatronics) {

if (animatronic.moving && (animatronic.position === 1 || animatronic.position === 2 || animatronic.position === 3 || animatronic.position === 4)) {

if (Math.random() < 0.3) {

gameOver = true;

document.getElementById('status').innerText = "The animatronics got you! Game Over.";

return;

}

}

}

}

// Gradually decrease power

if (!isDoorClosed) power -= 1;

updatePower();

}

setInterval(gameTimer, 1000); // Game timer runs every second

</script>

</body>

</html>

the

My name is Walter Hartwell White. I live at 308 Negra Arroyo Lane, Albuquerque, New Mexico, 87104. This is my confession. If you're watching this tape, I'm probably dead, murdered by my brother-in-law Hank Schrader. Hank has been building a meth empire for over a year now and using me as his chemist. Shortly after my 50th birthday, Hank came to me with a rather, shocking proposition. He asked that I use my chemistry knowledge to cook methamphetamine, which he would then sell using his connections in the drug world. Connections that he made through his career with the DEA. I was... astounded, I... I always thought that Hank was a very moral man and I was... thrown, confused, things escalated. Fring was able to arrange, uh I guess I guess you call it a "hit" on my brother-in-law, and failed, but Hank was seriously injured, and I wound up paying his medical bills which amounted to a little over $177,000. Upon recovery, Hank was bent on revenge, working with a man named Hector Salamanca, he plotted to kill Fring, and did so. In fact, the bomb that he used was built by me, and he gave me no option in it. I have often contemplated suicide, but I'm a coward. I wanted to go to the police, but I was frightened. Hank had risen in the ranks to become the head of the Albuquerque DEA, and about that time, to keep me in line, he took my children from me. For 3 months he kept them. My wife, who up until that point, had no idea of my criminal activities, was horrified to learn what I had done, why Hank had taken our children. We were scared. I was in Hell, I hated myself for what I had brought upon my family. Recently, I tried once again to quit, to end this nightmare, and in response, he gave me this. I can't take this anymore. I live in fear every day that Hank will kill me, or worse, hurt my family. I... All I could think to do was to make this video in hope that the world will finally see this man for who he truly is

[joannalannister]

You should remove the Stylish extension and use Stylus instead

Google and Mozilla have removed the Stylish browser extension from their respective add-on stores after the publication of a report [in July 2018] that accused the extension of logging users' browser histories and sending the data to remote servers. [...]

Stylish has been a wildly popular extension for many years because it allowed users to use custom "styles" for web pages, allowing users to tweak the look and feel of any website to their liking.

When news of the SimilarWeb acquisition became public in January 2017, the open-source community forked the old Stylish project into a new one called Stylus, which works like the old extension but without the data collection code. 

Stylus is currently available for Chrome, Firefox, and Opera.

I have userscripts installed to make this blue hellsite slightly more functional. I just switched to Stylus, so I had to track down scripts from userstyles.org. These are my favs:

Tumblr Image Width: No rescaling (No blurry gifs!!)

Tumblr scroll button

Bigger Tumblr messaging box (Get this!!)

Sidebar fix

Smaller Text Post Titles

Various Dashboard Themes I Like

[rachaelthemes]

Ocular — Version 2.0.0

Preview // More Info & Install

oh heyyyy hi hello long time no chat! (it's been over a year!) (sorry!)

I decided to give my theme Opticant a face lift, along with a desperately needed name change. I'm not really working on other new themes right now but I was so excited to update this!

Ocular comes with the following features:

Uses Tumblr's full-width controls and search bar

Post Sizes: 400px, 500px, 540px, 600px, 700px

Sidebar Width: 200px, 260px, 300px, 350px, 400px

Font Sizes: 14px, 15px, 16px, 18px

Background: solid, 2-color gradient, or image (full, static, or repeating)

Unlimited custom links (visit the help desk FAQ for tutorial)

Custom titles for Home, Ask, Submit, and Archive links

Endless scroll, custom fonts, and custom ask box text

Optional header and avatar image

Ocular version 2.0.0 adds these new features:

Color Schemes: Default, Tumblr, Dark Mode, Low Contrast, Cement, Cybernetic, Canary, Pastel, Blended Light, Blended Dark

Sidebar Location: Left, Right, or Above Posts

Added "Uncropped" to the "Avatar Shape" option, which will show your Avatar image in its native aspect ratio with no background, border, or rounded corners (see images 2 and 3) (perfect for transparent images and sprites) (redux edits? again? heck yeah)

Various additions and small tweaks to minor options, such as new background options, theme credit customization, etc.

It also fixes these bugs and adds these cool code updates:

Long words were prevented from being broken, thereby cutting off text on the edge of the post

Updated inline photosets so they no longer break when using endless scroll

The appearance of Read More links and the Pinned Post indicator have been updated to more closely match the Tumblr dashboard

Added lightbox functionality to all images

Compressed JS and CSS for quicker load times

Probably more updates honestly I kinda lost track

you can install (or reinstall) this theme here, or you can cross your fingers and hope that my submission to the theme garden (??!!?!?!) gets approved!! as always, thanks for using my themes. I've been making them for almost 10 years and I'm so grateful to all of you for helping me make that a possibility <3

[aashiqeddiediaz]

hi can you make a tutorial on how you sharpen your gifs? i especially love the black and white ones you make

Hi Nonnie! Sorry you've had to wait a little bit, I've just been really insanely busy with a thousand things 😅 Anyway, I'm not sure how exactly to do this, but hopefully this makes sense!

We'll be doing this scene, to go from the top gif to the bottom gif:

(This tutorial assumes basic knowledge of gif-making and smart filters, and is probably long-winded because I haven't been making gifs for very long, but this is the way I do mine.)

Tutorial under the cut:

Couple things to note that make a huge difference before you even start:

Use high-quality videos! I try not to go below 1080p for anything, and sometimes that means downloading bigger files.

Make sure that whatever application you use to get your frames isn't distorting them, or skipping frames. I use MPV player.

Make sure your gif size is correct when you crop it, if you're posting it somewhere). For example, if you're making a single gif on a row, Tumblr's optimum width is 540px. If you make it 500px, or 550px or whatever, it's going to look super crunchy and weird after you post it, so stick to their sizes.

We're gonna begin at this page (if you need a tutorial on how to get here, let me know, but I'm assuming you know!)

First, make sure your gif is a smart object! If your gif isn't a smart object, you won't be able to apply the smart filters. If it is, you'll see this symbol next to it. To convert all your layers to a smart object, select them all, right-click, and select "convert to smart object."

Next, duplicate your gif layer so you have two. Hide the top layer and select the bottom layer. Your layers should look like this:

Remember we're working on the bottom layer first! Go to Filter > Sharpen > Smart Sharpen. Use these settings, depending on what looks best for your gif/video quality:

The radius can be set to 0.2px to 0.5px depending on your quality/preference. You can also choose to remove Lens Blur instead of Gaussian Blur but these are my preferred settings. (I don't do anything with the Shadows and Highlights section)

Next, do another Smart Sharpen, but this time, use these settings:

(a popular choice for this second smart sharpen is 10%-10px, but I like the clarity 20% gives just a little bit more.)

This is what my layers look like right now:

And this is what my gif looks like. I removed the sharpening from the right side of the image, and while it's not super obvious like this, I think you can see the difference best in Buck's eyes. The eye on our left has much more detail and depth, while the one on our right isn't as clear:

You can stop right here if you want to, if you're happy with the way your gif looks. However, my preference is always to soften the crisp edges just a little so it doesn't look over-sharp, and also give it some clarity, which is where that second layer comes in.

Select that top layer and un-hide it. Remember that there are no filters on this layer so far. Go to Filters > Blur > Gaussian Blur. Choose a radius of 0.4-0.7px, and click enter. The gif will look like this:

Next, change the opacity of this top layer to 20-25%. You should have your sharpened gif back, but it will look just a little softer and less harsh along the edges. You can change this opacity depending on your scene, so it's really like a slider you can control to go back and forth.

Your layers will look like this:

Then, one more optional step that I like to do is add a noise layer. This seems counter-intuitive, but when you have big blocks of color, the noise helps disperse them just a little bit.

Go to Filter > Noise > Add Noise. Use these settings:

Then, in your Layers pane, right-click where it says Add Noise, and in the menu, click Edit Smart Filter Blending Options. You should get this dialogue box, where you can change the opacity of that filter to 50%.

I know it kind of seems like "what's the point?" when this particular layer is already low-opacity, but it does make a difference (to me, at least) in some gifs where there's a lot of color/light, especially after you color the gif in!

This is what your layers should look like:

And this is what my gif looks like after I run it through the frame animation, all sharpened!

Here it is colored the way I color my gifs xD (and also slightly slowed down):

And here it is in black and white (I love black and white, too xD):

I hope this helps, Nonnie! Feel free to drop me an ask if something here doesn't make sense.

Last tips:

Don't be afraid to play around with multiple settings until you find the one that works best for you.

Make. An. Action. I can't tell you how much actions save time when I'm working because then I don't have to remember every last detail. The first few times, just get in practice of doing it yourself, but after that, actions are amazing. Some people on tumblr have actions you can download and use, too.

Different scenes/lighting will result in different outcomes of your sharpening, so you might have to play around with it. Sometimes, I add an extra Smart Sharpen layer to that bottom layer to help clarify some of the details, and other times, I just change the existing settings to fit the scenes.

Sharpening tends to be a personal preference thing, so just play around with all the settings until you find one that works best for you.

Happy giffing!

[s-k-y-w-a-l-k-e-r]

The people have spoken! I’m going to show you how I do my

ADJUSTMENT LAYERS

Curves are awesome but we’re not using them today

I’m obsessed with Vibrance layers right now and I figured out that using them in a specific way actually brings up darkness in super dark things like Mr. Robot!

You may already know you can have multiple sharpening layers but maybe you didn’t know that you can alter their opacity?

Color balance isn’t always ideal but it’s great when the footage is already well-lit (like with the footage we’re starting with)

The best thing this method does is that it will make the light and colors in your gifs POP.

Full disclosure: this is best viewed on a desktop—it almost made my phone’s Tumblr app crash. Lots of media under the cut!

Disclaimer: I use this method of making gifs and you will need a passing understanding of Photoshop and adjustment layers, which I did attempt to describe how to use. Not going to describe it here, but click the link above or DM me with questions.

Here’s what it looks like already resized from 1080p video down to Tumblr width of 540px. A bit dim, no clarity.

An image like this deserves to pop! So! We’re going to make heavy use of Vibrance adjustment layers. 

Basically:

1. Create a new Vibrance layer and bump the “vibrance” slider all the way up. Then change the blend mode to Color Dodge. Chances are good 100% Fill is way, way too much—but take it all the way down to 0% and then bring the slider up until the highlights begin to jump out. 28% worked here.

2. Make a Copy of that Vibrance layer! (Drag the layer down to the little + in a box button at the bottom right of the layers.) Then change the Blend Mode to Screen and move the fill percentage around until you’re happy (40% in this case). 

This is my new TRICK and it does amazing things to brighten up dark footage. It’s great because it is less likely to create mottled color noise.

3. Make a Copy of THAT Vibrance layer and keep the blending mode on Screen! I did this by accident once and realized it does such a nice job of building on the subtle brightening the previous layer did. In this particular gif, I took the fill percentage way down to 8% and the change is almost negligible so I’m not including a screenshot.

4. MAKE YET ANOTHER COPY of the Vibrance layer! But instead of going brighter, we’re now going to bring back the blacks. Change the Blend Mode to Color Burn. Then bring the Fill way down and slide it back up until you’re happy that the darkest tones in your image look substantial. In this case, it was 10%. With the Color Burn Vibrance layer, a little bit goes a long, long way.

5. Finally, create a new Color Balance adjustment layer and fiddle as needed. In this case, I kept the adjustments from a previous section of the video that was very red—so I worked to dial back those reds by incorporating more cyans/blues without letting it go too green. 

I only adjusted the Shadows and Midtones here, not the Highlights (because that’s where his skin tone, in this lighting, needs to remain the most natural—remember to respect and work WITH people’s skin tones, never work to “correct” them!).

The difference is subtle and I’m not sure it makes it better but it certainly makes the colors more... separate.

That’s it for adjustment layers! Here’s what it looks like as you turn on each layer. I’ll show you my sharpening method after this!

Sharpening

So I’m using three sharpening layers (technically not layers, but smart filters) these days. It can take longer for the computer to render it, but I’m loving the results.

As long as whatever is in the timeline is currently a Smart Image, then you can turn them on and off and change their opacity and this is a powerful way to make sure things are both smooth and not over-sharpened!

Here are the specs for each of the sharpening layers in the order that I usually turn them on:

Sharpen.

Smart sharpen. [Amount: 500px, Radius: 0.3, Reduce Noise: 20%, Remove: Gaussian Blur]

Smart sharpen. [Amount: 10, Radius: 10.0, Reduce Noise: 4%, Remove: Gaussian Blur]

But here’s the deal: those will over-sharpen and no matter how you move the sliders, you’ll find there’s nothing you can do. SO! You just tone down the overall effect by clicking on the icon to the right of the sharpening layer:

And then you can change the blending mode and opacity of each sharpening layer. I keep all of the Blending Modes on Normal, then change the opacity:

Sharpen. [Opacity: 64%]

Smart Sharpen. [Opacity: 100%]

Smart Sharpen. [Opacity: 100%]

It’s possible you’ll move these opacity sliders all over to make this look good! Always depends on how much of the image your subject is taking up and how good the quality of the original footage is.

And then of course, here’s the final product!

And...

If you want an example of what this Vibrance layer method can do for dark Mr. Robot footage, check this out:

Hope that gets the gears turning for y’all. I’m looking forward to seeing what you guys do, and if you have any cool adjustment layer ideas that come about as a result of these, please share! I love seeing new, experimental ideas!

cc: @ilygwilym​ and @xmxisxforxmaybe​ who said they’d be interested in this 😀

[olko71]

New Post has been published on All about business online

New Post has been published on http://yaroreviews.info/2021/06/ev-startups-are-in-trouble-investors-dont-care

EV Startups Are in Trouble. Investors Don't Care.

Lordstown Motors Corp. RIDE 3.30% , an electric-truck startup, is off to a bumpy start as a public company. In the past month, it said it missed its targets on costs and production, acknowledged it overstated preorders, told investors it didn’t have enough money to start full production and parted with its CEO and CFO.

Yet the company’s investors are rather unfazed: Lordstown’s share price is roughly the same as in mid-May.

The stocks of numerous recently listed electric-vehicle companies are showing remarkable resilience in the face of significant turmoil at their businesses. Lordstown, semi-truck maker Nikola Corp. NKLA -2.94% and electric-car maker Canoo Inc. GOEV 0.40% all have share prices that are in line with, or above, the prices from when they struck deals to go public by merging with special-purpose acquisition companies, or SPACs, last year.

Nikola has a market capitalization of $6.5 billion, up more than 60% since it struck its deal to list last year. Months later, the company’s executive chairman resigned after a short seller accused the company of misrepresenting its technology. The company, which denied allegations of fraud, then scuttled multiple new types of vehicles it previously advertised as key to its business, and a partnership with General Motors Co. largely fell apart.

Canoo announced this spring it dropped numerous aspects of its business plan that it sold to investors months earlier, and its CEO, CFO and co-founder all left the company. It has a roughly $2.4 billion market capitalization, unchanged from when it struck the deal to list publicly. None of the three companies have begun commercial production of vehicles.

Helping explain the seemingly unshakable shares is the flood of amateur investors who bet on stocks of new car makers that went public through SPACs in the past year, analysts and observers of the sector say. Motivated by the promise of fast growth and optimism about an electric vehicle-filled future, these individual investors helped push the shares of numerous new companies in the sector to historically lofty valuations by traditional auto maker standards.

It is unclear exactly how much of the electric vehicle companies’ trading is affected by amateur investors versus hedge funds and Wall Street institutions, which also own some of the stocks. Some traders have placed bets that companies in this sector will drop in value.

The resilience of these stocks has befuddled many watching the industry.

“Normal fundamental and economic analysis would lead you to a pretty dire outcome” for some of the companies, said Jon Lopez, an analyst who covers the new-electric vehicle companies for Vertical Group. But the financial world is awash with money and starved for investments that grow quickly, he said, leading to strange outcomes like this year’s Reddit-fueled rise of so-called “meme stocks” that were boosted by investors who posted calls to send shares of certain companies “to the moon.”

The dynamics at play are similar to Telsa Inc., the electric-vehicle company run by Elon Musk that has more than quintupled in value since early last year to become the world’s most valuable auto maker, said Bradford Cornell, a professor emeritus at University of California Los Angeles’ business school. Tesla’s share price often goes up for little clear reason, while negative events often have little or no impact. Investors are more focused on a future narrative of extraordinary growth than the present day-to-day, he said.

“Is the narrative still believable? If it is, there’s no reason why it can’t go up,” he said of these companies’ stocks.

Lordstown, Nikola and Canoo each have expressed optimism about their businesses, saying they are pointed in the right direction after recent turbulence. Executives at all three have highlighted significant progress even amid their struggles—a development that seems to have tided over investors.

Steve Burns, shown at right with former President Donald Trump in 2020, resigned as Lordstown CEO this month.

Photo: Ken Cedeno/SIPA/Reuters

Lordstown executives said this week they are still on track to start producing some pickup trucks this fall, and demand appears to be strong. The company is in the process of seeking new funding. Nikola has said it is on track to deliver its first electric trucks later this year, and recently struck a deal to raise another $300 million.

Numerous companies in the electric-vehicle industry are “trying to get through SPAC puberty,” said Tony Aquila, Canoo’s chief executive and chairman. After joining the board last year, Mr. Aquila scrapped multiple aspects of Canoo’s business plan, including a plan to rent most customers cars month by month—changes he said he made to bring Canoo’s business in line with what’s achievable. He said he wants to Canoo “underpromise and overdeliver.”

The stocks of Lordstown, Nikola and Canoo are down significantly from their highs, although the same is true for the shares of other electric-vehicle makers, as the market for high-risk stocks has cooled since a burst of enthusiasm late last year. The stocks of the three electric-vehicle makers also haven’t been immune to bad news, but the dips on concerning revelations were less than many analysts expected, and the share prices often recovered many of their losses.

The buoyant environment helped allow a burst of electric-vehicle startups to collectively raise billions of dollars with ease in the past year through mergers with SPACs. They quickly became appealing for early stage startups in hot sectors like electric vehicles; SPACs allow startups to freely talk about their future projections and plans, unlike a more heavily regulated initial public offering.

Lordstown was a prime beneficiary. In its investor presentation from last summer, it highlighted how it would make an electric pickup that would be far less costly than a gas-powered Ford F-150. There was already strong demand from a long list of customers who preordered the truck, the company said, and production would take relatively little investment because the plant Lordstown got from General Motors wouldn’t need much renovation.

Those plans have unraveled.

Share Your Thoughts

What’s your outlook on electric vehicle companies like Lordstown Motors? Join the conversation below.

Costs of outfitting the plant—which was previously used to build a gas-powered sedan—proved far higher than expected. Ford announced an electric F-150 that was priced more than 20 percent lower than Lordstown’s truck. The company acknowledged some preorders were made by prospective buyers who didn’t appear to have the resources to buy the trucks, and said it received a subpoena from the U.S. Securities and Exchange Commission on the issue. Plant costs soared while full-scale production was delayed.

Peter Di Pasquale, a 30-year-old engineer from Pasadena, Calif., first invested in Lordstown in April after reading about it online, believing it would be able to produce a solid truck. He said he’s aware the company has significant risks, and the management tumult in the past week was concerning. Still, the company is nearing production of its pickup, giving it a leg up on other manufacturers that are months or years behind.

“The factory is real,” he said. “The workers are real.”

“I’m cautiously optimistic.”

Write to Eliot Brown at eliot.brown@wsj.com

Copyright ©2020 Dow Jones & Company, Inc. All Rights Reserved. 87990cbe856818d5eddac44c7b1cdeb8

[juristique]

BT01 Index for June 2023 was published officially

New Post has been published on https://www.juristique.org/en/news/bt01-index-june-2023

BT01 Index for June 2023 was published officially

The BT01 Index for June 2023 was published in the official journal on 08/12/2023.

The value of the BT01 Index for June 2023 is 130.3 to 127.2 in June 2022, an annual increase of 2.44% over 12 rolling months. The June index increased by 3.09% from the previous month (126.4 in May 2023).

Sommaire

1 BT01 index variation table for June 2023

2 Download the values of all BT indexes for June 2023:

3 Frequently asked questions about the BT01 index for June 2023

BT01 index variation table for June 2023

 Index BT01 June 2023Index BT01 May 2023Index BT01 June 2022Value of BT01 index130.3126.4127.2Variation in % compared to the base Up 3.09%Up 2.44%

Values and % change in the BT01 index for June 2023

Official source: Insee.

Our index evolution table for 2022 has been updated here: BT01 Index 2023.

Publication of BT01 Index for June 2023

The BT01 Index (base 100 in 2010) measures changes in the cost of factors of production in the Building Industry (salaries and expenses, cost of materials, energy, etc.). It is the official reference for updating and revising construction contract prices.

The Index is published each month by INSEE with a 3-month delay. It thus succeeded the Index of the Building and public works (1974 and 1975), which was stopped. Most companies in various construction trades (electricity, painting, masonry, etc.) are concerned with the BT01 Index.

Download the values of all BT indexes for June 2023:

#pdfp64e4af2c95660 .title font-size: 16px; #pdfp64e4af2c95660 iframe height: 500px; #pdfp64e4af2c95660 width: 100%; .pdfpc5be386abtn background: #2271b1; color: #fff; padding: 10px 20px 10px 10px

Official publication of other BT and TP indices for June 2023

Download the other BT and TP indexes for June 2023

Frequently asked questions about the BT01 index for June 2023

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What is the value of the BT01 index for June 2023?

The BT01 index value for June 2023 is 130.3.

What is the one-year increase in the BT01 index for June 2023 (June 2022)?

The June 2023 BT01 Index (130.3) is up 2.44% over one year (127.2 in June 2022).

What is the increase in the BT01 index for June 2023 compared to the previous month (May 2023)?

The June 2023 BT01 Index (130.3) increased by 3.09% from the previous month (126.4 in May 2023).