The nth bit in a bitwise AND is equal to 1 if and only if the nth bit of both operands are equal to 1. For example: For this reason doing a bitwise AND between an even number and 1 will always be equal 0 because only odd numbers have their least significant bit equal to 1.
According to the Federal Reserve Bureau, the average cost of an annual premium for homeowners insurance is between $300 and $1,000. For most homeowners, the annual costs for a homeowners insurance policy can be estimated by dividing the value of the home by 1,000, then multiplying the result by $3.50.
1 The premium for either a lender's or an owner's policy is based on the home's value, and can vary depending on state or county, according to the Federal Reserve. 2  It typically costs about $1.75-$9 per $1,000 of the home's value, or about $350-$1,800 on a $200,000 home, or $700-$2,000 or more for a $400,000 home. Title insurance is a one-time, up-front mortgage closing cost based on the size of the residence and how much of the home's value is being insured. 2  There are two options for title insurance: lender's and owner's.