Waching daily Jul 3 2017

Epic Dark Celtic Music

For more infomation >> Epic Dark Celtic Music - Compilation - Duration: 31:01.

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Megérkezett! - Az HBO júliusi kínálatából - Duration: 2:09.

For more infomation >> Megérkezett! - Az HBO júliusi kínálatából - Duration: 2:09.

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4 ways the Supreme Court could rule on Trump's travel ban - Duration: 7:00.

4 ways the Supreme Court could rule on Trump�s travel ban

The Supreme Court has decided to hear two legal challenges to President Donald Trump�s

revised �travel ban.�

Among other things, the executive order Trump signed in March temporarily bars entry of

nationals from six predominantly Muslim countries: Iran, Libya, Somalia, Sudan, Syria and Yemen.

In cases arising out of Maryland and Hawaii, lower courts had blocked applying the ban

to all nationals from the six countries.

Now, under the Supreme Court�s June 26 order, family members, students, employees and others

with �a bona fide relationship with a person or entity in the United States� will be

allowed entry.

At the same time, the Supreme Court will allow part of the travel ban to go back into effect

for �foreign nationals abroad who have no connection to the United States at all.�

The Supreme Court will hear the combined cases in October after the justices return from

summer recess.

Its decision will be its first major encounter with a president who criticizes the courts

as political.

As a professor of constitutional law who studies law and politics, I see four ways forward

for the Supreme Court in these cases.

Two ways to strike down the travel ban

1.

The Maryland case was brought by U.S. residents who are separated from family members in the

six named countries.

It challenges the travel ban as an unconstitutional �establishment of religion� under the

First Amendment.

In earlier cases, the Supreme Court has said the Establishment Clause �forbids an official

purpose to disapprove of a particular religion�� Because the travel ban singles out six countries

with overwhelmingly Muslim populations, the lower court held a �reasonable observer

would likely conclude� the travel ban is intended to discriminate against Muslims.

In doing so, it relied on Trump�s controversial statement during the campaign calling for

�a total and complete shutdown of Muslims entering the United States until our country�s

representatives can figure out what is going on.� A decision on these grounds would require

the Supreme Court to question the president�s motives � a highly unusual move.

2.

The second case was brought by the state of Hawaii on behalf of its state university and

a United States citizen whose Syrian mother-in-law seeks to immigrate.

They claim the travel ban exceeds the president�s authority under immigration law.

The travel ban relies on a 1952 law authorizing the president to �suspend the entry of all

aliens or any class of aliens� if he finds their entry �would be detrimental to the

interests of the United States.� Congress reformed immigration law in 1965 to prohibit

discrimination on the basis of nationality in issuing visas, the documents allowing immigrants

to enter the United States.

The court held that the president did not show entry of people from the six countries

�would be detrimental� under the 1952 law, and that the travel ban discriminated

on the basis of nationality under the 1965 law.

A decision on these grounds would leave the issue with Congress, which could then keep

or change the law.

Two ways to leave the law as it stands

3.

Traditionally, the Supreme Court has been reluctant to second-guess the president�s

policy judgments involving national security.

In earlier challenges, the Supreme Court has upheld the exclusion of individual foreign

nationals, even where constitutional rights may be at stake, if the government offers

a �legitimate and bona fide reason.� Under this broad language, vague concerns about

terrorism could be a good enough reason.

As the Supreme Court recognized in granting review of the cases, �preserving national

security is an urgent objective of the highest order.� In a separate opinion accompanying

the order, three of the Supreme Court�s conservative justices, including Trump appointee

Justice Neil Gorsuch, suggested this factor should weigh heavily in favor of upholding

the travel ban in its entirety.

4.

The court�s order holds another clue about how it might decide the case.

It asks the parties to brief the court on whether the challenges to the travel ban �became

moot� or, or legally meaningless, when the 90-day travel ban ended, according to its

original terms.

That period is intended to give the government time to review its �vetting� of foreign

nationals seeking entry into the United States.

Once the government completes its review, the travel ban loses its original justification.

The president recently moved back the 90-day clock to start when it takes limited effect

after the Supreme Court�s order.

Yet mootness remains a possibility.

Even the extended timeline will end before the case is argued in October.

If the case is moot, the Supreme Court would dismiss it without reaching a decision on

the legality of the ban.

Win, lose or draw

It can be tempting to score these outcomes as either �wins� or �losses� for President

Trump.

However, the back-and-forth between the courts and the administration has already led to

a significantly narrower revised ban after earlier cases struck down the original ban

issued in January.

Many people who would have been subject to both the original and revised travel bans

now can enter the United States legally thanks to these cases.

This sometimes tense dialogue between the president and the courts is typical to the

resolution of high-stakes legal controversies.

For example, the government argued that the courts had no role to play in determining

the rights of detainees at Guantanamo Bay after 9/11.

Yet, the Supreme Court issued several decisions that prompted the president and Congress to

revisit and temper detainee policies.

In the last of these cases, Justice Anthony Kennedy on behalf of the Supreme Court encouraged

the president and Congress to �engage in a genuine debate about how best to preserve

constitutional values while protecting the Nation from terrorism.�

Whatever the fate of the travel ban, it is unlikely the Supreme Court will have the last

word when it issues a decision this fall.

Striking down the travel ban as unconstitutional would still allow for new restrictions on

immigration.

Upholding the travel ban would still allow for narrower challenges to the policy and

its implementation.

Holding the travel ban illegal under immigration law, or finding the case moot, would throw

the issue back to the president and Congress.

In each of these outcomes, look for the Supreme Court again to encourage �a genuine debate.�

For more infomation >> 4 ways the Supreme Court could rule on Trump's travel ban - Duration: 7:00.

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Nomyn - Daydreamer! Copyright free music for videos! Cool dreamy chillout VJ! - Duration: 3:24.

Nomyn - Daydreamer! Copyright free music for videos! This is chillout music in dreamy mood.

For more infomation >> Nomyn - Daydreamer! Copyright free music for videos! Cool dreamy chillout VJ! - Duration: 3:24.

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Power Rangers (2017) Blu-ray CLIP | Billy Comes Back To Life 'It's Morphin' Time' (Scene) | HD - Duration: 7:04.

- Let's just put him down. - Okay.

- Slow, slow, slow. - Master Billy.

Do something, okay?

There must be something you can do for him.

I told you that you were not ready.

Zordon, please help us, okay? Please.

There's nothing that I could do for him.

We were both reckless with our teams.

No.

I'm sorry.

I'm sorry, guys.

He's dead because of me.

No, Jason, it was all of us.

No, I pushed it.

And as usual I made the wrong decision.

Out of... out of fear, anger...

I don't know, I was just so angry.

He's... he's a great kid, you know?

And he loved us.

He loved... being a ranger.

I'm sorry, Billy.

I'd trade my life for yours if I could.

Maybe he traded his life for us.

Yeah. Probably did.

I would.

Me too.

Yeah. Me too.

Me too.

It's just the four of us now.

The truth is,

whatever we've said to each other,

it doesn't matter.

This. This is the only thing that matters.

She's right.

Zordon! Zordon! Look at the grid!

This is your time! Do... do you see it?

The grid is open! Step through!

Yes, I see it. I see it.

Step through, Zordon!

- Hey! - What's happening?

The morphing grid is open!

What's going on?

Zordon? Master?

Where is he?

He must have stepped through the grid.

Alpha, where'd he go?

I don't know where he is.

Zordon, what? Why didn't you step though?

That was your only chance.

I know.

But only one can come back.

Billy!

- Billy! - Oh, my God! Hey!

Are you okay?

- Did I die? - Yes.

- No. - Little bit.

And you guys brought me back to life.

I told you we were superheroes.

There can only be one Red Ranger.

Jason, this is your time.

This is your team.

Thank you.

Dude. That was loopy.

Seein' my dad.

Welcome back, my friend.

- Oh, we gotta go to Krispy Kreme, Jason. - What?

Not for donuts.

Okay. Let's try this.

Thank you, Zordon.

It's morphin' time.(CoolestClips4K)

For more infomation >> Power Rangers (2017) Blu-ray CLIP | Billy Comes Back To Life 'It's Morphin' Time' (Scene) | HD - Duration: 7:04.

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The Basketball House (276 Sq Ft) | Tiny House Design Ideas | Le Tuan Home Design - Duration: 2:00.

THE AVIATION TINY HOUSE (315 SQ FT)

For more infomation >> The Basketball House (276 Sq Ft) | Tiny House Design Ideas | Le Tuan Home Design - Duration: 2:00.

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BTS 방탄소년단-I LIKE IT Pt.2좋아요 Dance Practice (KOREAN AMERICAN REACTION) - Duration: 6:14.

For more infomation >> BTS 방탄소년단-I LIKE IT Pt.2좋아요 Dance Practice (KOREAN AMERICAN REACTION) - Duration: 6:14.

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Why The Government Shouldn't Break WhatsApp - Duration: 11:11.

There's been a lot of talk about whether the British government will force

companies like WhatsApp to introduce a backdoor into their encryption,

so that the police and government can read your messages if they need to.

As I record this, they haven't done it yet,

but the laws that could let them do so in the future are already in place.

And here's something you might not expect me to say:

that sounds like a reasonable idea.

After all, backdoors have been allowed for old-school phone conversations for decades.

They're called wiretaps.

And if a criminal investigation has enough evidence that they can get a legal warrant,

then they can look inside your postal mail,

they can listen to your phone calls,

and they can intercept your text messages.

And it's called a wiretap because, many years ago,

the police would literally be attaching a device to a physical phone wire.

So for anyone who grew up knowing that,

anyone who grew up with computers like this,

like pretty much every politician in government,

well, it seems reasonable that that should also extend to, for example, WhatsApp.

So why not?

Well, first, let's look at the technical detail.

It all depends on who is holding the keys.

Modern encryption uses complicated math

that is easy for a computer to calculate one way,

but almost impossible to work out in reverse.

A really simple example:

if I ask you to multiply two prime numbers together, like 13×17,

you can do that by just hitting a few keys on your calculator.

And because those were prime numbers,

we know that's the only way to make 221 by multiplying two whole numbers together.

Other than 221 times 1, and that's not really helpful.

But if I ask you: what two prime numbers were multiplied together to make 161?

There is no way to work that out quickly.

There are a few shortcuts that you can take,

but it's still basically a brute-force method.

Now imagine that you're not trying to work out 161,

but instead something like this...

and you start to see the scale of the problem.

And that's just a simple example,

modern cryptography uses way more complicated one-way operations.

The important part is that you can have a computer do math that's simple one way,

but could take longer than the lifetime of the universe to brute-force back.

The result is that you can have two keys: two massive numbers.

One public, one private.

You send your public key out to the world.

Anyone can encrypt a message with it:

the message gets converted to what looks like random noise.

Even that same public key can't convert it back.

But you can take that noise and use your private key

-- and only your private key --

to decrypt it.

When you want to send a message back, you use their public key,

and they use their private key to decrypt it.

And the beautiful part of this: there's no need to exchange keys in advance,

you don't have to work out old-school one-time pads, or anything like that.

You can post your public key out on the internet for all to see.

As long as you keep that private key secret,

no-one else can read your messages.

This is a system that has been tested under incredibly harsh conditions for decades.

It works.

The catch is, it's really unfriendly to use.

It's difficult enough to get someone to join a new messaging service as it is,

let alone bring their friends along.

Now you have to generate these weird key things as well?

And if you lose your phone or somehow forget that key,

or your hard drive crashes and you haven't got a backup,

all your messages are gone, lost as random noise forever.

Email that works this way has been around for decades

but it's too complicated and it's too unfriendly for most people.

The security wasn't worth the effort.

So instead, web mail services,

along with Facebook, Twitter, and everyone else,

didn't worry about that.

Early on, they were mostly unencrypted,

but rapidly realised that was a bad idea --

so now, they use regular web encryption,

that padlock in your browser,

to make sure that no-one on your network can see

your password or your messages when they're in transit.

And that's the threat that most people have to worry about.

But they do have the content of those messages in plain text,

or something close to it,

and those companies can give that back to you whenever you want.

Which means that when a government comes along with a legal warrant,

the companies can also give the messages to them.

And this was fine, right?

This was reasonable.

This was an acceptable compromise between security and usability.

Or at least it was, until it was revealed that -- in short --

every major government was keeping a copy of pretty much everything everyone ever wrote,

at which point a few companies decided, that, actually,

they didn't want to take the risk of anyone -- not even their own employees --

being able to even theoretically access the messages that people were sending.

The result is WhatsApp, and iMessage, and the many smaller apps like them.

They have "end-to-end encryption".

Your phone generates a public and private key for you, automatically.

It exchanges public keys behind-the-scenes,

while you're writing your first message to someone,

and everything after that is encrypted.

And it's all automatic!

And so WhatsApp and iMessage aren't open source,

in theory they could steal your private key as well

or quietly issue a fake one to someone and sit in the middle listening,

but in practice people would notice.

Sure, there are small loopholes that could work in particular circumstances,

but the odds are remote, and security researchers are already

decompiling and tearing apart every version of every messenger program

just to see if someone's put a backdoor into it.

The short version is:

if any of these apps get served with a government warrant right now,

the most they could do is say how much two people have been talking,

and maybe roughly where they were:

but never what they were talking about.

More than that is literally, mathematically impossible.

But it's impossible only because of the way they've designed their systems.

And that is the vulnerability.

A government could make it a legal requirement for Apple and Facebook

to quietly add a backdoor in all their encryption

if they want to sell anything in their country.

I've heard this phrased as "outlawing maths",

but that's a bit like saying that

making punching a stranger in the face illegal is "outlawing hands".

And if Apple and Facebook refuse to add a backdoor, a government could...

well, theoretically they could ban their phones or ban their apps from sale,

or prosecute the people in charge,

or block Facebook, who own WhatsApp,

or they could tell internet providers to block their services,

or they could...

Look, in practice they're going to fine the company.

Apple and Facebook have local addresses,

they pay... some tax.

Sitting on the sidelines, I would love to see the British government

go up against Apple and see who blinked first.

But companies have bowed to foreign countries loads of times in the past.

BlackBerry let the Indian government

have full access to users' chats and web history back in 2013.

The only reason WhatsApp can't read your messages

is because they have deliberately chosen to design their systems that way.

They were just as popular without encryption:

it was an afterthought,

they'd been going for years before they switched encryption on.

This was a human decision,

not an inevitable fact of technology.

So why is an encryption backdoor such a bad idea?

Well, if there's a backdoor, it can and will be abused.

Local British authorities already used our surveillance laws,

the ones that were brought in to stop terrorism,

to monitor loud dogs barking,

crack down on illegal feeding of pigeons,

and to spy on some parents to see if they actually lived near enough

to a particular school they wanted to get their kids into.

Now, is this useful for preventing crime?

Sure.

And there's the argument that

"if you have nothing to hide, you have nothing to fear":

maybe they shouldn't have illegally fed those pigeons.

And yes, you, watching this, you probably have nothing to hide and nothing to fear

from the current government in your country.

But laws and governments change, and besides that:

the internet, and the apps that we use on our phones, are global.

If you allow a backdoor here,

you're also allowing it for another country's government to spy on its opponents,

and another to spy on people they suspect might be gay,

or who use marijuana,

or who are Christian,

or whichever thing is illegal in that country.

In fifty years,

maybe you'll be part of a country where eating meat has been outlawed,

and the government will want to come after you for tracking down

the illegal bacon-trading ring that your friends are part of.

"Nothing to hide" only works if the folks in power

share the values of you and everyone you know entirely

and always will.

To make it worse, on the surface this seems like it's equivalent

to a regular, old-school wiretap, but it's not:

depending on how the backdoor's set up,

a government might not just be able to get what someone's sending now.

They could get the whole message history.

Perhaps years of messages, back and forth

with hundreds or thousands of other people.

It's not just a look into what a person's saying:

it's an overreaching look into the thoughts of many, many people.

it's that long-forgotten naked picture that someone sent five years ago.

It's that angry essay they wrote in school and which they completely disagree with now.

It's not just "what are they saying",

it's "what have they ever said".

That's all assuming the backdoor doesn't get abused by folks with more personal grievances.

All it takes is one rogue employee,

in the government or at a messaging app,

and we've got a huge amount of personal information being leaked.

Either of the public at large

or of specific people that someone would like to take revenge on.

It fails the "bitter ex test":

can someone with an agenda

use this to ruin a life?

An AP investigation found hundreds of cases

where police officers and civilian staff in the US

looked up private information for personal reasons.

And let's not start on what would happen if a hacker,

or even some other government's intelligence service,

got access to the backdoor.

Or how it'd make it much more risky

to report abuses of government power, on any scale.

There is an argument that it would all be worth it,

that all those drawbacks would be a small price to pay

for stopping very rare Bad Things.

I disagree, but that's an opinion, not a fact.

But an encryption backdoor wouldn't stop bad things happening.

The problem with stopping terrorism right now is not a lack of information.

The Manchester bomber was reported to the authorities five times,

including by his own friends and family.

One anonymous source inside the UK security services

told Reuters that at any time there are 500 people being investigated,

and about 3,000 people "of interest".

For scale, just to reassure you,

that's only about .005% of the UK population.

But the way to solve this is not more data,

it's having enough police officers and security staff

with enough time to do their jobs and investigate.

And let's be clear: anyone who wanted secure communication for evil purposes

would just use something else,

any of thousands of smaller services that the government hasn't noticed yet

or that they couldn't possibly have jurisdiction over.

Or if even that is not an option,

they can come up with a code themselves,

even just in-jokes and references that no-one else understands.

So when I say that an encryption backdoor sounds like a reasonable idea,

I mean it.

It sounds reasonable.

Like a lot of ideas sound reasonable when you express them in one or two sentences.

But the devil is in the detail.

If we could replicate the way wiretaps used to work,

limited in scope and time,

requiring a warrant and some physical effort,

not including the history of everything that someone's ever said,

and not open to repressive governments elsewhere in the world,

then sure, I would absolutely be in favour of it.

Building an encryption backdoor isn't impossible:

but building a reasonable one is.

Thank you to everyone who helped proofread my script,

and to everyone here at the Cambridge Centre for Computing History,

who let me film with this wonderful old equipment.

For more infomation >> Why The Government Shouldn't Break WhatsApp - Duration: 11:11.

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Solo vs Lil: on fangirls, big egos and snoring | Dota 2 - Duration: 3:17.

Questions about Lyokha [Alexey], all right, let's go.

Who wakes up earlier?

Usually it's me when my alarm goes off, but sometimes we wake up when we've had enough sleep.

Ilyukha gets up first, even when he goes to bed later than I do.

I don't know what time I wake up, but he's already lying there awake every time.

Who spends more time in the bathroom?

Ilyukha [Ilya].

I think… it's the same.

I don't know, I think it's like that.

It's the same, 3m 22s. Yeah. Timed it.

Who spends more time on social networks?

Also same, I think.

Ilyukha.

Who snores louder?

Me, I suppose. Although I don't know how loudly I snore, but that's what all the feedback points to.

Lyokha.

Well, me, yeah. Me.

Who's got the bigger ego?

Lyokha.

Me.

Why is Lyokha's ego bigger? Because… because it's true!

Because I'm awesome as f— I mean, well, because I do have a big ego.

Of course the community thinks otherwise, because I have a persona that maintains this image.

Yeah, I'm good, I'm really good.

It's a conclusion I can make from knowing him in real life.

Who has more fangirls?

Lyosha, I think, since he's more of a media personality, and he's more fun and lively. I'm the melancholy one.

Ilyukha, of course. I'm an inhibited person, I don't have any fangirls. Only fanboys, sad as it is.

Who's the better Dota 2 player?

Ilyukha, of course. Come on, I'm 27, I can barely hit the keys at this point. I'm running on fumes.

Ramzes.

How did you guys meet?

It was at a tournament, I don't remember which one. He played for Vega at the time, and I played for Virtus.pro.

He just came up to me and said, "Wow, you're such an awesome player", and it just went from there.

The first time we met was probably at some tournament.

We barely talked; once, we had a conversation at an airport when we were going to Starladder Minsk.

We sat down and talked for just about five minutes, and since then…

Well, we didn't properly talk to each other until we started playing together.

Who is more photogenic?

As it is, Lyokha is the least photogenic one of us, so me.

Ilyukha, obviously. I told you I'm 27, what do you expect? I'm old.

What would you give each other for your birthdays?

I'm not going to tell you what I'd give him, it's supposed to be a surprise.

An account with at least 7K MMR.

What would you like to receive from each other for your birthdays?

An account with at least 7K MMR.

I don't need anything from Ilyukha. I just want him to play well, that's all.

Actually, I don't know. A perfume. Lyokha has a good taste in clothes and perfume, so one of these two.

For more infomation >> Solo vs Lil: on fangirls, big egos and snoring | Dota 2 - Duration: 3:17.

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OSURUĞA ÇAKMAK TUTMAK !! (YİYOSA YAP) - Duration: 10:10.

For more infomation >> OSURUĞA ÇAKMAK TUTMAK !! (YİYOSA YAP) - Duration: 10:10.

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Shoot Through and Reflective Umbrellas: Two Minute Tips with David Bergman - Duration: 2:33.

For more infomation >> Shoot Through and Reflective Umbrellas: Two Minute Tips with David Bergman - Duration: 2:33.

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Jobb közérzet, szebb kinézet, Vital 5 - Duration: 2:43.

For more infomation >> Jobb közérzet, szebb kinézet, Vital 5 - Duration: 2:43.

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Crochet a Deluxe Puff Stitch Flower, free crochet flower pattern # 2015 - Duration: 3:53.

Hi, everyone. This is Emi today. I'm going to show you how to crochet this deluxe puff stitch flower, so let's get started

I'm working with a 4.5 millimeter crochet hook, and worsted weight yarn

And I'm going to start with a slip knot... chain

5 ( 1 2 3 4 5), slip stitch to join and form a ring

Chain 1 make 8 single crochet in the Ring (1

2 4 5 6 7 & 8) slip stitch to join

I have 8 single crochet in the ring, now I am going to chain 2 and

In this same stitch right here. I'm going to make 4

Double crochet, but I'm not going to finish them all the way up

Just going to do the very first loop, because I'm going to make a puff stitch

so I'm going to do that 4 times, so that's

(2 3

& 4)

So that's the equivalent of five, (1,2,3,4,5) now pick up the yarn and pull it through all of those loops

Now I'm going to chain two (1,2)

I'm going to go to the next single crochet, and I'm going to make five of the same puff stitch double crochet,

. So that's one

two three

four

and five

Like that, pull one stitch all the way through chain two

I'm going to do that all the way around

Okay, I worked all the way around making a puff stitch in each one of the stitches

And I'll finish the last one here, and I'm going to chain two and I'm going to a slip stitch into that same

Top stitch right there

Like that, now in each one of these spaces all the way around I'm going to make two puff stitches

I'm going to start with a slip stitch into that first space, and I'm going to make a puff stitch

I'm going to chain 2 and make

Four more double crochet to form a puff stitch

Like that pull through , chain 2, , and in that same stitch make one more puff stitch

Like that. I'm going to do that all the way around .

We're going way around the end of the row, chain two and I'm going to slip stitch to join

In the top of that stitch there then you can fasten off, and then you can sew a button in the center

And there we go. That's how you can crochet this deluxe puff stitch flower

Thanks for watching bye for now

For more infomation >> Crochet a Deluxe Puff Stitch Flower, free crochet flower pattern # 2015 - Duration: 3:53.

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Chevrolet Corvette C7 Grand Sport 2017 - Test Drive (essai) - Duration: 10:21.

Hi bunnies, I'm really happy to see you all

on Mike's Carslife, I'm on board a Ford Shelby GT 500

with Jeremy who is driving and we go to Lausanne

to test and drive the new Corvette C7.

I do not know yet if we will try the Grand Sport model

I asked or not, the garage told me it will depend the

availability of the car. The difference between the normal

C7 (Stingray) and the Grand Sport is the frame

of the Z06 which is on the Grand Sport, the engine

remain identical with atmospheric 466 hp and then

the exterior finishes also of the Z06 on the Grand Sport

model and the standard semi-slick tires on the

Grand Sport, we will see. Both have 466ch, for the

gearbox, I do not know if it will be a manual or

automatic but it should be really nice.

We are also on board a Shelby GT 500 very powerful

and I will present it right after. Direction to Lausanne.

Here we are, we just arrived at the garage

Opel /Chevrolet, because now Chevrolet is with Opel,

there is no Chevrolet (Corvette) dealer.

So we saw a Corvette C7 Grand Sport here

and a C7 normal model "Stingray" behind.

We're going to do a walk around of the vehicles before

the drive test.

And here behind me, we find a corvette C7 Z06,

659hp, it consumes a little more but it starts to

be crazy, we are at a higher level there.

That's where we are, aboard the Corvette C7 Grand

Sport so it's cool, semi-slick tires, 466 hp the frame of

the Z06. Inside, compared to the Corvette C6, we can

see that they really took only few elements and they

made a new car when the new C7 came out,

we are really good in, it is well Europeanized. On the

other hand we have the automatic transmission,

I am not fan of automatic gearboxes, after we find a lot

today on all cars. We will see what it will be,

even if manual it would have been a little more sport,

we control a little better the car I think, but it will be very

nice so we go, we will try this and then

we will see the two impressions.

For the 466 hp, we feel them pass very well, it push.

That's what I call stupid cars because it's really,

starting I think 450 hp after all depends how power

come, but it's pushing hard, compared to mine that

makes 320 hp. Great, the direction is very accurate

and it brakes very strong we will go for a ride to confirm

that.

This dance !

So, I have test and drive the Jaguar F-Type R not long

time ago, it is 10 times more accurate, it really is the

black point of the Jaguar F-type R that I had already

tried with Jeremy. The braking is very strong, as strong

on one as on the other, the Jaguar was equipped

with ceramic brake so it brakes very hard too.

It pushes very well the power come well on the ground,

it pushes a little less than the Jaguar but we have

466 hp against 550 for the Jaguar is what makes

perhaps the difference. It is just as nice frankly,

after I think the Corvette is much more efficient at the

of the acceleration, we arrive better to handle

it but the Jaguar remains a bit above for me.

So I'm sorry, I have a problem with the camera, the twist

system broke, it moves a lot, I'm sorry but I can not help

it, I will change it after. So there Jeremy just tried

the car too, we are agree on one thing is that the

automatic transmission is not very good, in sports

version or track, when we brake it does not automatically

retrograde, neither put previous gear, if you touch to the

paddle you really have to stay with the paddle

it is a little bit a pity, and then it lacks a little bit of...

not torque because there is, but a little bit of watt, of

power again. I am talking always compared to the

Jaguar, it's a great car. I make the difficult man,

and I am talking compared to the Jaguar F-type R that

I tried not long ago and which play in the same yard.

Now we will try to find the road to go back because we

are a little bit lost…

Another thing that is very annoying is that we are much

too fast right away, we are often 20 to 30 km hour above

the limitations while we think to be at the right speed,

we can assume that it's well soundproofed but the

license has good value to be well soundproofed too.

All right, the drive test is finished of the Corvette C7

Grand Sport, in conclusion the line is very nice,

I like, a bit massive rear but it is an American car should

not forget it. The direction system is very good, direction

really perfect, the passage to the ground of power is

also very efficient, the automatic gearbox is the

big disappointment of this test, it is not very fast,

gear shifts are quite random according to the chosen

modes, retrograde alone or later it is a little bit annoying

so really black point. I would have liked to try it in

manual gearbox because it must be something else,

I think That the manual gearbox is really top, for

precision the automatic gearbox has 8-speed.

The frame is very good, the efficiency of the car is really

top. On the power level it lacks a bit, the torque is perfect

but level power up in the towers it would still deserve a

little more, still in comparison to the Jaguar which

develops 550 hp there we have a higher level for me.

For interior level finishes the C7, you could see it, it's also

very good, very well Europeanized we will not be at

Jaguar level either but we are very good.

To finish a very good car, very pleasant 466 hp we will

not complain, it works very well, a nice car and whoever

buys it will be really very happy at his steering wheel.

For more infomation >> Chevrolet Corvette C7 Grand Sport 2017 - Test Drive (essai) - Duration: 10:21.

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Adjustable Rate Mortgages | ARMs Definition | 3 ADVANTAGES of an Adjustable Rate Mortgage - Duration: 9:49.

How's it going everyone?

Matt Leighton and welcome back to another video.

In today's video we're going to touch on the Adjustable Rate Mortgage.

I have with me an expert, Rich Conlon with Atlantic Coast Mortgage.

Rich, why would anyone choose an ARM?

An Adjustable Rate Mortgage?

I see a fixed rate mortgage, that's the one you see most common in the newspaper, online,

if people are still reading newspapers for their mortgage rates.

Let's do 3 advantages of -- the top 3 advantages of Adjustable Rate Mortgages.

I think we can come up with 3.

The first and foremost, everyone pretty much knows, you're going to see online, anytime

you shop, ARM rates are going to be lower than fixed.

That's obviously one big advantage in terms of the payment.

With that lower payment, it leans us into -- if you are very tight from a loan qualification

standpoint with your debt-to-income ratios.

If the 30-year fixed rate, which puts you over the tipping point, you can look at the

15-year ARM that we offer or even the 10-year ARM.

Usually the 10-year one is pretty closed to the 30-year fixed.

That, or the 7/1 ARM.

If you're really tight on ratios, and you really want the property and want to get into

it, and it's your dream house, and the payment is just over the line, an ARM could be an

option and the key to success to get you into that house.

Lastly but not least, ARM programs can be pertinent more to our market.

Arlington, D.C., where you're not necessairly looking at long-term houses.

When you're thinking about something that is going to be a 5-7 year -- you're just not

totally sure, but you're also very sure that it's not going to be a house you're living

in for 30 years.

It could be a great tool to take advantage of the lower rate and then if you have a 7/1

ARM and you're only going to be here for 5 years, you beat the adjustment period.

So take advantage of that lower rate, and then you're out of the house before the adjustment

period.

So when you say 7/1 ARM, 10, 15, just for the viewers, for their understanding, what

do these terms mean?

7/1 ARM.

The '7' stands for how long that rate will be fixed for the inital period.

If you have a 7/1 ARM, your rate when you go to settlement is going to be fixed for

the first 7 years.

If it's 10, 10 years.

15, 15 years.

The second digit is the adjustment period.

How often does it adjust after that fixed period ceases.

7/1, starting year 8, your rate will adjust.

And then every year there after it will adjust to whatever the current market conditions

are.

We do have other products like a 5/5 ARM or 15/15 ARM.

The second digit being '5', means it will only adjust every 5 years instead of every

year like a 7/1 or 10/1.

15/15 is a terrific product from our standpoint.

Low rate but it will only have 1 adjustment period because the loan is amortized over

30 years.

The first 15 years it's fixed.

And it doesn't adjust after that.

It just has 1 adjustment period at year 15 and then it stays that way in year 16 and

beyond.

Now who would be a good candidate for an Adjustable Rate Mortgage?

Is this someone that is moving out of town?

Maybe they're not sure how long they're going to stay in the area?

Is it -- and not to burden you with like 7 different questions -- is it someone who is

timing the market where they're going to buy at a low-interest rate and then watch the

rates jump and see when the best time to sell would be?

What're your thoughts?

It's kind of got a wide variety.

Initially, you would think first-time home buyers, Millennials because most are probably

not buying their dream house at that point.

You actually see more first-time home buyers directed toward a 30-year fixed or some other

fixed programs, but if it's buying-up and in a couple years into your profession and

you have a promotion or a new job and moving up but maybe not necessairly dream-home.

It could also be for more wealthier people.

D.C., Arlington, if you're buying a big house but also have significant income and assests,

that would, you could pay it down sooner.

You don't need the full 30 years to pay off a loan.

That would be another group of clients that would benefit from that.

Let's wrap this up and then I'm going to have 1 final question.

So the 3 things just to recap - I know the first you said was the lower rate, the second

was the DTI, is that correct?

Debt-to-Income, you have more flexible terms?

If you're really close...if you wouldn't qualify with a 30-year fixed payment on the particular

house, and you really want the house, in order to lower your payment to qualify, if you can

lower the rate, you will lower your principal on the interest payment to lower the overall

payment.

Like I said, if you're really tight, that could be the difference maker.

And then the third thing, the third thing is mobility.

If it's not your dream house and you don't want to have a 30-year fixed payment and you

know for sure you're not going to be staying in the house long-term, take advantage of

a lower rate and lower payment while you're in the house.

My final question is, in your experience, how have you seen purchasers mess up an ARM?

An adjustable rate mortgage.

How have you seen, when you're looked at their paperwork and they bought 10 years ago, 15

years ago they bought, 2 years ago they bought and you're like, wow this is going to be tough

to get out of this one.

Or, 'man these payments are a lot higher than they should be'

What has that person done to get themselves in that position?

Whether it's them, the market, whether it's timing.

What have they done?

I will say this: I've rarely seen that.

Just because of the way rates have been at all-time historic lows in the past 4-5 years.

You're typically seeing most people if they're in that ARM period are riding it out.

But, not to say that it's never happened, when someone has come to an adjustment period

and their ARM is going to significantly go up, usually we'll write an analysis on a 30-year

fixed and re-financing out to the 30-year fixed if it makes sense.

If there's no savings invovled, there's no loan, and you're kind of stuck with that.

It's tough to forsee what you will be doing in the years coming.

I don't even know what I'm going to be doing this weekend.

It's difficult but it's a very rare circumstance where if you do come across that it's maybe

that have purchased with an ARM in the past couple years, with now the economy in a recovery,

with rates starting to rise, the FED raised the rates a quarter of a percent last week.

So we could see that for clients that are in the middle that maybe something that was

not so rare.

I've heard rates have been going up for a while.

Is that actually going to happen?

I wish I had that answer.

That's an unfair question.

You wouldn't be here.

You'd be playing the lottery.

It's probably going to be on a slower progression.

Lenders are always warning people that they could change daily, they could change at the

drop of a hat.

Yeah I think when people are applying for a loan they automatically go the fixed route

and maybe there's already that analysis beforehand and the lender has fronted that, but especially

when rates are this low that you should definitely consider the ARM.

At elase consider it.

And not automatically pigeon-hole yourself into doing a 30-year fixed.

Cool.

Thank you very much for watching.

Until next time, create a productive day.

Take care.