Kritik und Lob » If you finance your home with an Adjustable

The real apistogramma's come from southern America Cheap Austin Rivers Jersey , they all have the same characteristics, like a complex breeding behavior, as their large relatives, only their size is different. Besides the apistogramma group there are also some relatively popular dwarf cichlids from Africa, like the Pelvicachromis group. From this group the most widespread cichlid is the Pelvicachromis pulcher Cheap Louis Williams Jersey , also known as the Kribensis or Purple cichlid.

Generally the cichlids from the apistogramma group are more fragile and harder to maintain, and breed, for a longer period of time. In my opinion apistogramma's are not real beginner species. They are more likely to get diseases if not all the environmental variables are properly taken care of. They need soft and acidic water with a low PH value, a PH of 5.5 to 6 is preferable. They hardly eat dry foods, best is to feed them live foods or frozen food Cheap Patrick Beverley Jersey , like bloodworms, brine shrimp and mosquito larvae. Apistogramma species can be kept in a large tropical community aquarium, but be sure the other fish are not too small, they can defend their territory very fiercely, and can be quite aggressive when they are breeding. In my opinion it is best to keep the apistogramma's on their own Cheap Glen Davis Jersey , in a larger aquarium you could combine two apistogramma variants together, maybe supplemented with a small group of other fish, like some livebearers or betta's. They also can be kept together with discus or angel fish. I always have a harem of apisto's in my discus tanks, just to populate the lower areas of the aquarium and I really like these small dwarfs with a big attitude.

The cichlids from the Pelvicachromis group are much more tolerant when it comes to water values and feeding, I do consider these cichlids a good beginner species. They are hardened Cheap Paul Pierce Jersey , beautiful colored and eat almost anything. The Pelvicachromis pulcher is maybe one of the most easy to breed cichlids as well. If you have an adult couple they will reproduce, in a community tank, a special species tank or in a pond, some people like to breed them in their pond during summer. Actually some of the biggest and nicest colored Pelvicachromis pulcher were pond bred and raised. The only thing to keep in mind with these cichlids is that they are capable of redesigning your aquarium, they can make huge holes and are real little bulldozers. So if you have Cheap Brandon Bass Jersey , or want to setup, a subtile planted tank, don't add a couple of Pelvicachromis to your aquarium.

The last dwarf cichlid I want to mention is the Microgeophagus ramirezi, or Ram cichlid. Their behavior and care are roughly the same as the apistogramma's but they are more tolerant when it comes to water values, and in my experience they are easier to keep in good condition. Unlike the apistos they have to be kept as a couple Cheap Luc Mbah a Moute Jersey , not a harem but that's the only breeding experience I have. I have tried several couples, have a couple in a breeding tank right now, but I have never even had a clutch of eggs. I know from other breeders that they are kind of hard to get going, but if they do they never stop.

Auke Veenstra is keeping and breeding tropical aquarium fish, and dendrobatea Cheap Jamal Crawford Jersey , for years. He shares his experiences on the TinkerFish website.

Tropical aquarium fish

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Caps on your Adjustable Rate Mortgage protect you from large swings in the interest rate and monthly mortgage payment. If you are considering an Adjustable Rate Mortgage to finance your home you need to make sure you are protected. Here is what you need to know to minimize the risk of an adjustable interest rate.


If you finance your home with an Adjustable Rate Mortgage make sure the loan has periodic interest rate adjustment caps and a monthly payment cap. These caps protect you by minimizing risk from rising interest rates.


The periodic interest rate cap limits the amount your interest rate can change when the mortgage lender adjusts your interest rate. These periodic interest rate adjustments occur every six or twelve months depending on the lender. There are also lifetime caps on how much the interest rate can change over the duration of the mortgage.


The monthly mortgage payment cap limits the dollar amount the lender can raise your monthly mortgage payment. This does not limit the interest rate change. If you have a monthly payment cap but do not have the periodic interest rate cap you are asking for trouble. What happens in this case is the lender will raise your interest rate; however, the payment cap will not allow the payment to go up enough to cover all the interest due that month. The lender will add the unpaid interest on to the principal balance of your mortgage and viola; you have a negatively amortized mortgage. (A loan balance that gets bigger with time)


Caps are a great way to minimize the risk of an adjustable rate mortgage, when used correctly. To learn more about protecting yourself from the risks associated with Adjustable Rate Mortgages, register for a free mortgage guidebook.

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