![]() ![]() So instead of working 60 hours, I was only working 20 hours. I went from taking on three contracts per month to just one. I stopped aggressively looking for new freelance consulting work. But the biggest downside that no one talks about is the complete loss of motivation to take on calculated risks and to work as hard as you can to grow your wealth.Īfter being mortgage-free, my and wife and I lived comfortably off the severance checks that we negotiated when we quit our six-figure jobs in finance (by that time, we had amassed a net worth of $3 million), and the $150,000 in annual passive income - mostly from real estate, dividend stocks and bonds.īut my entire attitude slowly changed once I sent that final mortgage check. “The truth is that too many FHA approved mortgage loan servicers have not been honest and transparent about the FHA’s protections for borrowers.There are several studies citing the psychological benefits of paying off debt early, such as emotional relief and the strength to avoid slipping back into debt.Īll of that is true. “The purpose of the federal program is to reduce the displacement of families from their homes, and, as a result, thwart homelessness during the pandemic,” said Racine. ![]() In a statement, Racine called the mortgage servicers’ misdeeds “illegal, unacceptable, and dangerous.” He added that they discriminate against low-income borrowers and borrowers of color, groups the FHA disproportionately serves. “HAF should be a fund of last resort and should not replace servicers’ obligations to evaluate homeowners for all loss mitigation options,” the attorneys general write. The state attorneys general also raised concerns that servicers adequately evaluate borrowers for loss-mitigation, even as they await the $10 billion in federal aid from the Homeowners Assistance Fund. They also asked FHA to require its lenders to demonstrate their loan servicers are taking affirmative steps to implement the program. The state attorneys general demanded the FHA take “immediate action” to ensure mortgage servicers adhere to the loan modification program. But the program can only be effective if lenders implement it, the letter notes, highlighting a challenge of designing government relief programs that rely on the private sector to carry them out. Attorney General’s Office said “several mortgage loan servicers employed and approved by FHA” had not adhered to the program.įHA’s loan modification plan was envisioned to especially help low-income households, first-time homeowners, and households of color that have been disproportionately impacted by the pandemic. In a press statement accompanying the letter, the Washington, D.C. ![]() But according to the attorneys general, they spanned more than one mortgage servicer. It’s unclear how widespread the alleged misdeeds are. “No homeowner with an FHA-insured mortgage who is struggling financially because of the pandemic should be unnecessarily hindered by their mortgage servicer from receiving the assistance for which they are eligible.” “FHA is committed to assisting homeowners struggling because of the pandemic to keep their homes if at all possible, and expects servicers of FHA-insured mortgages to take all necessary steps to work with borrowers, based on their individual situations, to identify the best FHA loss-mitigation home retention option available to them,” a HUD spokesperson said. Servicers also told borrowers that the loan modification option did not exist, the attorneys general claim.Ī spokesperson for the Department of Housing and Urban Development said the agency takes the concerns raised in the letter very seriously. 21, 2021.īut rather than adhering to the program, some mortgage servicers of FHA-insured loans allegedly sent borrowers notices that fail to mention the relief options, requiring paperwork and imposing qualifications that are not necessary under the FHA’s guidelines. FHA required mortgage servicers to implement the program by Oct. The loan modification options allowed eligible borrowers to reduce their principal and interest payments by 25%. 21 letter that a number of mortgage servicers employed by FHA-approved lenders failed to adequately implement loan modification options the FHA introduced in July. Attorney General Karl Racine and 20 other state attorneys general. Some Federal Housing Administration-approved mortgage servicers have routinely flouted the agency’s loan modification program, according to Washington, D.C. ![]()
0 Comments
![]() They can spread their posts over several hours or even days.
![]() ![]() Eight are essential, which means the body can’t manufacture them, and the rest are nonessential–the body can produce them with proper nutrition. Protein is broken down by digestion into 22 known amino acids. It supports relaxation while helping you cope with occasional stress, maintain a healthy mood, and improve restful sleep. Made with a soothing herbal blend of lemon balm, passionflower, lavender, and chamomile. Take one tablet with each protein-containing meal to optimize your body’s use of the protein in your diet. Description Reviews (0) Relaxation Tea: Peppermint Need to unwind Rest and rejuvenate with a refreshing cup of peppermint-flavored Tea. ![]() With its patented enzyme technology, Aminogen® contains specially selected enzymes that help break down protein foods into their constituent amino acids, making it easier for your body to absorb and utilize them. Additionally, many plants and grains serve as protein sources. Approximately 20 percent of the total daily calories should come from a protein source such as meat, cheese, milk, soy products, fish, and eggs. Getting enough protein every day is essential to your health. Many people fail to digest and absorb the protein in their diets fully. Just because you’re eating a diet containing adequate protein doesn’t necessarily mean your body can assimilate and make use of that protein. ![]() P rotein is a building block for our muscles, bones, cartilage, skin, hair, and blood, so our body needs to absorb it properly. Protein is a complex organic compound and building block that is crucial to repairing and maintaining muscles and connective tissue in the body, not to mention regulating the body’s water balance. Aminogen helps digest protein into smaller peptides. ![]() ![]() ![]() I hate the fact that people think you’ve disappeared off the planet if you don’t post. ![]() There’s a constant pressure to maintain your social media. I’m terrified for when we have kids, because this world is becoming more competitive. The photo above is a self-portrait, taken when I was doing a test shot for Jenn. I don’t want to be in front of the camera much I hate having my photo taken. I don’t go to events with Jenn any more, because it’s the same thing every time: people go to 10 parties in one night just to show they’ve been there, rather than enjoying themselves. I can see why the money that comes with being an influencer tempts people but, even though I use Instagram now, it’s not really for me. The Jenn Im Instagram account has 1.7 million followers, and her YouTube has 275m overall views. My cover was nearly blown several times, especially when the hotel receptionist spotted me from the day before and thought I was having an affair. ![]() I wanted to have a permanent document of this memory, and for our families and friends abroad. It started out with two cameras in our favourite hotel, then went up to 10. In 2016, I secretly shot a video for her YouTube channel of my marriage proposal. She doesn’t like everyone knowing everything. Jenn has always been relatively reserved it’s not like we wake up with a camera in our faces like some YouTubers. We achieved that when I started finding my own path and working with other brands not connected to Jenn’s work. It’s not always going to be perfect when you’re working and having a personal relationship you’ve got to maintain some separation. As well as shooting videos for Jenn, I started working with other influencers and brands. Once I got there, I realised I had all this influencer experience. I quit the band, packed my bags and moved to LA. It’s really appealing you get to shoot for your girl, be a plus one, go on incredible trips and learn a new craft.īy the time I was 30, I wanted to try something new. It’s not uncommon for influencer couples to do this: 95% of the time, when a guy is dating an influencer he will end up being her videographer. It was difficult at times there were moments when Jenn had had a long day and it was stressful, and I messed up a lot while learning. I slipped into becoming what they call “an Instagram boyfriend”, a romantic partner of an influencer who ends up taking all the photos and videos they post. The more trips I went on as a plus one, the more photos I was taking. I didn’t really think much of it at the time, I just thought I was helping. Then I started to focus on the angles, as I’d taken a few wonky ones. I was living in my own bubble and barely used Instagram, but I knew how to take a good photo: I was mainly focused on her being in frame, pressing the right button and making sure there wasn’t a massive trash can next to her. We were dating, but she was also creating content for her channels. She continued to ask me to take photos of her whenever we met. At the time, I pretty much had no idea what YouTube was but it felt great to know she wanted to show me off. We answered questions from her fans, like what nicknames we call each other. I appeared in a Meet My Boyfriend video on her fashion YouTube channel, Clothes Encounters. Not long after that, we started going out. ![]() ![]() ![]() Using parchment paper, enclose your salmon and vegetables inside a parchment paper or foil packet, seal it off but not too tightly.When the skin loosens easily from the bottom of the pan, flip once and check the internal temperature before taking off the heat.Place fish in the pan, skin side down first.Add a high heat oil like avocado oil to the pan.Preheat a non-stick pan or cast-iron skillet to a medium-high/high heat.Score the salmon skin (if still on), so it doesn’t contract while cooking. ![]() Pan-frying is for individual fillets and salmon steaks. Here are 4 methods that can help you determine how you’ll want to cook your salmon. There are many different ways to cook fish, from higher temperatures to a lower temperature and skin or no skin, just to name a few. Here’s the ultimate guide for the times and temperatures: 350☏ If your salmon is not as thick as that, know that every half inch of salmon takes 4-6 minutes to cook through. Pro Tip: Generally speaking, a 1-inch thick piece of salmon takes 12-14 minutes of baking time at 425°. Always check a few minutes early, so your salmon doesn’t turn dry! Obviously thinner salmon cooks faster than thicker fillets, and wild salmon cooks more quickly than farm-raised salmon, due to the higher fat in farm-raised. Large portion or individual salmon fillets.There are many factors that go into how long to cook fish and at what cooking temperatures, so here are things to consider when you’re making salmon for your next meal: And just like any other meat, there shouldn’t be a pink color in the flesh of the fish. All you do is gently press down on your salmon and feel for the connective tissue to easily separate, or flake. In case you don’t have a food thermometer on hand, the poke test will do the trick. Be sure that the tip of the thermometer is not touching the pan, or you will get an inaccurate read. In a matter of seconds, you’ll get an accurate temperature. Once you have that meat thermometer, you’ll insert it in the thickest part of the salmon. Check out my favorite thermometer that’s less than $20. You will never have to guess the correct temperature or cut into your fish when using this kitchen gadget. The best way to know when salmon is done is to use an instant-read thermometer. ![]() If you want to know how to exactly reach a certain salmon doneness, you’ll want to use a meat thermometerto check the internal temperatures. Resting will allow the salmon to continue the cooking process without direct heat, creating a moist and safe-to-eat fish. The best way to reach a silky, yet cooked salmon is by taking the salmon off the heat at 135☏, letting it rest, then eating it. It’ll be firm and the salmon will have a flakey texture. When the thickest part of the salmon reaches an internal temperature of 145☏, it’s considered safe to eat according to the FDA. What is the proper temperature for salmon? Because salmon is so easy to cook and make your own, it’s that much easier to eat the 8 ounces per week the FDA recommends. It has ample omega-3s that are essential for brain function. Salmon is low in fat, and high in protein. Learning about salmon is a great way to motivate yourself to incorporate it more frequently in your diet. With these methods, a meat thermometer, and the recipes at the end of the post, you’ll be cooking salmon perfectly in no time! Salmon Health Benefits What temperature is salmon done and why does the internal temperature of salmon matter? Let’s briefly talk about salmon’s health benefits, the best way for cooking salmon, and when your salmon reaches the right temperature. ![]() ![]() Full combo hits team as we have Hanzo for his chase with poison and Minato dealing his tags and combos and here comes King of Hell as well and then Water main 10th chase and ofc Kisame afterwards to steal the chakra.Īnd deal his dmg!! Quite fun team to play with, Poisons everywhere ignition and tags. ![]() Hidan will do his job quite well as always while Kisame will be in the front becoming a monster little by little and spawning the annoying sharkies! Enjoy! Sasuke will deal decent dmg with his mystery plus the 3 round ignition and tags from Hidan. With calm mind and lighting armour plus the anbu tactics for healing and taijutsu bonus. Once again we can see lighting main(kinda rare these days!) Kisame can go well with Hidan and Sasuke and this team can be deadly enough as we have lighting main to boost the chakra Kyuubi will be your main dmg dealer here behind the shark.įire main will have shield mystery with mirror as passive and 10th chase combo with ignition. You can rest assure as you will have Minato tagging people and proc Kisames chase with his attacks. Kisame as a Tanking machine in the front as always he can spawns his sharks and disable mysteries for the round. Each one representing one of the 5 elements in the naruto universe. Ay with immobile and dmg output with the buff from Earth main and shields.Ģ tailed beasts on !! Kisame and Kyuubi 6 tails together lovely. 57 pages Explore Wiki Content Community Main Characters View source There are 5 main characters you can choose from when you start the game. Samui will give you chakra with Ay in combo and she can deal good dmg and interruption. Kisame is really good with Earth main and you can pair him well inĪ lot of combination teams. You can change his mystery and put him in Chakra shield or Double attack for the debuff and the extra. Putting Kisame in the front tanking and Let Ay boost your chakra generator with Samui as he goes in. Kakuzu will heal and Deidara will destroy!! ![]() Earth main here supports the whole team with the double attack and debuff In this team you are tanky enough you have enough dmg as Deidara will get stacked by rounds and Kisame will guard you. So basically they have a really good synergy with Deidara and Kakuzu. He can deal decentĭamage with his passive if you boost your chakra and his other passive giving him life and chakra back when someone is dying. Kisame is mainly like a tank in the front rows as he spawns with his mystery 3 sharks(tanky enough to annoy you) and he is immune to every combo. Our new threat Kisame samehada is here to introduce hi self with his power and skills. Hello ladies and gentlemen, i am happy to announce you that our Shark favourite character is here to be in the game and to the plays!!! Enjoy some hot lineups!!!!Īs we see we can have fun with 3 of the most favourable ninjas from Akatsuki. ![]() ![]() ![]() The input is done in the LXTerminal of Raspbery Pi OS, in the following only called terminal. In this manual you will find many code windows as shown bevore. Let’s talk briefly about programming # That is for your info - you don't need it Errors, infos or quick questions to The instructions are based on the assumption that you have basic knowledge in the use of electronics and computers and that you are a licensed amateur radio operator or short wave listener. Please understand that I don’t have much time for support due to professional reasons. You will be rewarded with a very efficient, stable, high frequency safe (i recommend ferrite cores over the connecting cables and a Alu case) computer for amateur radio applications which is also particularly suitable for portable use. But: I recommend that you read through the complete page first so that you develop an overall understanding. Just choose what you like and install what you need. It is not necessary to install all programs. Much of what I have written down here I could copy from there.Īcknowledgement: I find it impressive how much time people spend making great, free, open-source licensed programs available, writing application reports and recording videos. There you can find extensive information about QRP operation, amateur radio and the Raspi. I recommend to check out the YouTube pages of KM4ACK and OH8STN. Just take a look at everything and then decide for yourself. Note: The order of enumeration is not an evaluation of what is best for you. Ĥ.) You can buy a ready installed SD card e.g. ģ.) You can use a ready SD card image e.g. Learn it by doing it.Ģ.) Another excellent alternative is to use a script from KM4ACK to install the most important amateur radio programs on the Raspi most fully automatic. Not everything is always up to date and you may get a more recent version and information from the programmers homepage. You can learn how to install and backup the operating system and various programs on the Raspi. There are 5 ways to set up the Raspi for use in amateur radioġ.) You can use my instructions as listed below. If you want to use a Raspberry for amateur radio, the fastest way is to use the great Build a Pi script from Jason, KM4ACK. General Information (last but not least)ĭue to a lot of work in my company it is currently not possible for me to update this article regularly.Some important Raspberry PI commands and settings.Install VirtualRadar (Display Airplanes).Install ADS-B Receiver with SDRplay RSP’s (SDR). ![]()
![]() ![]() Camera (color), Gonzalo Amat editor, Gregory Plotkin production designer, Nathan Amondson set decorators, Teresa Visinare, Julie Ochipinti costume designer, Marylou Lim sound (Dolby Digital/Datasat), Walter Anderson, Ed Novick, Steve Nelson re-recording mixers, Joe Dzuban, Daniel J. Executive producer, Steven Schneider.ĭirected, written by Christopher Landon, based on the film “Paranormal Activity” by Oren Peli. Running time: 84 MIN.Ī Paramount release and presentation of a Blumhouse, Solana Films, Room 101 production. Reviewed at Arclight Cinemas, Hollywood, Jan. A very meta twist ending promises to either open up new narrative possibilities, or else push the franchise deep into a self-referential rabbit hole, when “Paranormal Activity 5” arrives later in the year.įilm Review: ‘Paranormal Activity: The Marked Ones’ The haunted-house setpieces provide reliable doses of jolts, even if one can see the scaffolding of each scare being built from miles away, and director Landon has fun with some clever camera placement here and there. ![]() Replacing the typical Ouija board with a haunted Simon game is sure to provoke howls of laughter from those in the appropriate age bracket, and the idea that a victim of demonic possession would rush to YouTube to show off his gnarly new abilities - and be promptly torn to shreds by comment-section trolls - is sadly in keeping with the times. While the film hardly plays it coy about where this is all heading, it doesn’t seem to be in a rush to get there, and it springs a number of smart ideas along the way. Being teenage boys, they’re far too intrigued by the boobs on display to fret over the obvious occult ritual taking place, but when Anna is subsequently murdered, they decide to attempt some amateur late-night sleuthing, with predictably unpleasant results. ![]() The first complication comes from Jesse’s elderly downstairs neighbor, Anna (Gloria Sandoval), whose reclusive behavior is strange enough for Hector to postulate that “maybe the bitch is a bruja.” The two attempt to spy on her by lowering a camera down through a ventilation shaft, where they witness Anna scrawling arcane symbols on the belly of a nude younger woman. Fortunately, Jacobs and Diaz boast an easy “Beavis and Butt-head”-esque chemistry throughout, making for pleasant company as the audience waits for the inevitable horrors to befall them. Seemingly possessing no greater postgrad ambitions than milling around and attempting “Jackass” stunts with their omnipresent video camera, Jesse and Hector harass Jesse’s abuela (Renee Victor), smoke pot, play basketball, occasionally run afoul of some local gangsters, draw penises on one another’s faces, and generally bust each other’s balls for a decent chunk of the film. ![]() Set in gritty Oxnard, Calif., the film boasts an almost entirely Latino cast of characters - a welcome gesture toward a huge filmgoing demographic that rarely gets to see itself onscreen - while smart casting and production design help capture the flavor of the environs with only moderate deployment of cultural stereotypes. Kicking off with a high-school graduation, “The Marked Ones” centers on likably lunkheaded teenage buddies Jesse (Andrew Jacobs) and Hector (Jorge Diaz), as well as Jesse’s tag-along relative Marisol (Gabrielle Walsh). At this point, the conventions and limitations of the found-footage horror film are almost as well worn and cliched as those of horror pics at large: “Put down the camera, stupid!” has now probably been shouted at just as many screens as “Don’t go down into the basement!” (Look for “Tilt your viewfinder 20 degrees to the left!” to finally supplant “Look out behind you!” within the present decade.) Appropriately, the hapless heroes of “The Marked Ones” never put down the camera even as they venture into dark basements, or struggle to start a stalled car, or split up in the middle of a haunted mansion - and it’s to the credit of the film’s primary cast that these bits of genre-appropriate stupidity generate more laughs than groans. ![]() ![]() ![]() ![]() Commentary (CM): An opinion or comment about something.They are facts, examples, illustrations, support, proof, evidence, quotations, paraphrasing, or plot preferences. Concrete detail (CD): Specific details that form the backbone of body paragraphs.It's like a thesis for the body paragraph. It must have a subject and an opinion for the paragraph. Topic sentence (TS): The first sentence in a body paragraph.These include brainstorming, train of thought writing, voice strategies, answer a prompt, and research. Strategies can be used to explore the question in order to develop a thesis.It varies depending on the type of essay and tends to be at the end of the introductory paragraph. It is detailed and focus, takes a stand, acts as a roadmap for the reader and answers the question given. Thesis: A sentence with a subject and an opinion.It sets up the topic of the essay and grabs the reader's attention by stating a short anecdote, an interesting fact, a quote, or a question relevant to the subject. Within essays and paragraphs, certain elements must be present.When handing in a Final Draft, you should ensure you've reviewed peers' responses, proofread it, type it according to MLA guidelines, make sure you have paraphrased and quoted, prepare a bibliography, and revise it with a rubric.Final Draft: The final version of an essay.Revision: Improving the essay's wording, structure and conventions or rules of the language while taking into consideration peer response.Peer Response: Written responses and reactions from a partner to an author's paper.First Draft: The first copy of an essay in paragraph form.Outlining makes the writing process easier, helps organize ideas, portrays the content in a logical way, enables writing to show a relationship between ideas, gives a roadmap of a writing, and clarifies divisions, boundaries, and groups.Shaping the Essay: The process of outlining an essay by stating a thesis (must include), topic sentences, concrete details and commentary ideas.Tools like conceptual maps, webs, and color-coding should be used to overcome writer's block and find a voice. Pre-Writing: The process of thinking of the concrete details before organizing an essay into paragraphs.The writing process can be divided into 6 main stages: pre-writing, shaping the essay, first draft, peer review, revision, and final draft. ![]() ![]() ![]() The first hunter charges but misses with his spear. One of them has already pegged me in the chest with an arrow, and they’re both taunting me as I try to duck out of sight, nude and armed only with a club that was once someone’s femur. If you happen to have an M1 Pro, M1 Max, M1 Ultra, or M2, you should be able to run this game just fine (medium settings at 45+FPS).The two half-clothed hunters circle me. In fact, when looking at our benchmark results, running the game on modest settings and resolution can lead to passable performance at 30 frames per second on M1 Macs (which perform much better than most Intel Macs). This is not an easy game to run on either Windows or macOS. In spite of using the Unity engine, which is usually quite forgiving and performs well on macOS, Rust is a massive game with huge environments and complex online components. ![]() 60+ FPS: Very Smooth: For hardcore and professional players, a luxury for most.45-60 FPS: Smooth: Fluid gameplay, with no perceivable stutters.30-45 FPS: Playable: Acceptable for most (most gaming consoles do this).20-30 FPS: Borderline: Can be OK in slow-paced games.Below 20 FPS: Unplayable: Laggy gameplay, full of stutters and slowdowns.But Rosetta 2 works so seamlessly (it installs automatically the first time it detects an Intel-based app), and it integrates so well with macOS, that the experience is virtually the same as running a native Apple Silicon Mac.Īs a reminder, this is how we describe the different levels of performance: The game does require Rosetta 2 to run on Apple Silicon Macs. These are the game’s official Mac requirements: RequirementsĪ 64-Bit OS and Metal support are requiredĪs mentioned before, Rust runs natively on Mac, and that includes Intel-based and M1 Macs. This is par for the course with survival games, and thus the recommendation to play with a party of friends to give yourself a better chance to survive. In fact, the biggest complaint is about a sometimes toxic community that makes it difficult for newcomers. ![]() This is a game that usually sits in the Top 5 most-played games on Steam, and as can be seen from the quantity and quality of its user reviews, Rust has a massive and strong community. With over 679,000 Very Positive reviews (87%), it would be an understatement to call Rust popular. But as you’d expect from a gaming community, those clans will break down, and everyone will just end up killing each other. If you don’t want to go it alone, you can form clans with other players. This includes vicious animals and, of course, other players who see you as a threat. In Rust, you must find ways to use these to create better tools, build shelters, find food and survive the harsh environment. Unless you have a high-end Mac, don’t expect it to run at max settings and high resolution smoothly. Still, the game takes place in huge environments and requires decent hardware and a fast internet connection. ![]() Rust uses the Unity engine and is as stable as can be expected from an open-world online game. Even if the official system requirements don’t mention M1 or M2 Macs, our benchmarks confirm the game runs great on Apple Silicon Macs. You can absolutely play Rust on your Mac, and that includes Intel and Apple Silicon Models. Rust on Mac: Everything you need to know. ![]() |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |