10/13/2023 0 Comments Eddie murphy kids room gifYour debt-to-income ratio also determines whether you're eligible for the type of loan you want, and improving your DTI can help you get lower mortgage rates. The lower your DTI, the more likely you are to qualify for a home-related loan. Your debt-to-income ratio affects your chances of qualifying for a mortgage. However, if a couple’s combined credit score and debt-to-income ratio severely impacts their eligibility for a good mortgage loan, it’s best to apply as an individual. Having two incomes also means that you could qualify for larger loans. In common-law states, applying as a couple is favorable if the combined debt results in a lower, stronger DTI ratio. ![]() This means they can apply for a loan as individuals and the spouse’s income and debt will bear no influence in the lender’s evaluation. Couples are not legally obligated to equally share all debt acquired while married. In the rest of the country (including Alaska, which allows couples to opt out of community property rules) common-law rules apply. ![]() States where community property rules apply are: In those states, excluding a spouse’s debt from the DTI ratio is not allowed. Certain states operate under community property rules, which establish that both spouses are under equal obligation to repay debts incurred during the marriage. Including your spouse’s debt depends on whether you’ll be applying for the mortgage jointly or as an individual. Mortgage expenses should not take up more than 28% of your income. This is the number most lenders focus on, as it gives a broad picture of an applicant’s monthly spending and the relationship between income and overall debt.Ī general rule would be to work towards a back-end ratio of 36% or lower, with a front-end ratio that does not exceed 28%. The back-end-DTI ratio considers what portion of your income is needed to cover your monthly debt obligations, including future mortgage payments and housing expenses. The front-end-DTI ratio, also called the housing ratio, only looks at how much of an applicant’s gross income is spent on housing costs, including principal, interest, taxes and insurance. There are two types of DTI ratios that lenders look at when considering a mortgage application: front-end and back-end. The debt may be included in the calculation if that is the case. However, if you have long-overdue bills for these types of accounts, they might eventually be passed on to a collection agency. Monthly expenses like rent, health insurance premiums, transportation costs, 401k or IRA contributions, and bills for utilities and services (electricity, water, gas, internet, and cable, etc.) are generally not included. Certain financial obligations like child support and alimony should also be included. Your DTI ratio should include all revolving and installment debts - car loans, personal loans, student loans, mortgage loans, credit card debt, and any other debt that shows up on a credit report. What is included in your debt-to-income ratio? ![]() Your gross annual income includes wages, salaries, freelance income, overtime pay, commissions, tips and other allowances, etc. Then, divide the total by your gross monthly income (some calculators do request your gross annual income instead). To calculate your debt-to-income ratio, first add up your monthly bills, such as rent or monthly mortgage payments, student loan payments, car payments, minimum credit card payments, and other regular payments.
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10/13/2023 0 Comments Fireworks ig caption![]() Best Event Planning Captions for Instagram We’ve come up with some great event planning captions for Instagram that will help you capture some of the best moments from your event. There are so many details and aspects to consider, which is why we’ve put together this list of event planning captions for Instagram. One of the best ways to do this is by using event planning Instagram captions for events.Įvent planning can be a lot of work.
10/13/2023 0 Comments App obsidian![]() Mostly I was just trying to scratch a personal itch. ![]() But I did get a little bit of confidence by seeing many personal note-taking and knowledge management posts regularly pop up on Hacker News, a social news site for programmers and entrepreneurs. Like I said before, I still can’t believe there are people out there as crazy as me who have been thinking about the same thing for a decade. It was very much an experiment when we started. ![]() That list gradually became Obsidian as it is today. I made a list of boxes that must be checked by my holy grail note-taking app. I thought I was just weird to long for a personal knowledge base app like this, but you won’t believe how many people told us they have tried or thought of doing the same thing for years or even decades (I couldn’t believe it either!).ĭuring quarantine in 2020, we got really bored and finally started working on it. I have had the basic idea Obsidian for about 2 years before we started working on it. First, how was the idea for Obsidian born? Now, I can start writing and then come back to it with just a click of a button or by searching within the Obsidian app.Hi Erica, thanks so much for agreeing to this chat. For instance, I created a "To-Do" board, added this article title as a task, then created a linked note. But each one of the cards that you create can also be linked to a note. It's pretty much identical to what you would find in something like Trello or Todoist. The code may look like a whole bunch of nonsense at first, but after the plugin has been enabled, that page full of techno-jargon is transformed into something actually useful. The one that I'm using the most currently is one that converts Markdown into a Kanban-style board for my tasks. This can also be used to create "daily notes" if you are a fan of journaling or like having somewhere to write down the most important tasks of the day for a quick glance. One example of this is a basic calendar plugin that appears on the right side of the screen. Not only can you download and use plugins that the developers have created, but there's also a library of "Community Plugins." Other Obsidian users create these to add some extra functionality to the app that the developers have not added or don't plan to add. In my opinion, this is the real bread-and-butter for Obsidian. It's an invaluable tool that has saved me tons of time already, even though I haven't even been using Obsidian for that long. ![]() And with the ability to create templates, I can hit a keyboard combination and have a template for an article automatically inserted into whatever document I'm already working on. So now, I can have my folder of upcoming articles, write them all in Obsidian, copy and paste them into the editor, and not have to worry about frustrating formatting problems. It's just something that has clicked for me, but the problem is that there really aren't that many great Markdown editors that don't have a slew of compromises. Ever since joining Android Central a few years ago, Markdown has become my preferred way for writing articles or taking notes. Other than offering a blank sheet of canvas, Obsidian is also a markdown text editor. It's something that is really neat to look at, but it's definitely not anything that you would actually need to use unless you wanted to. Scroll far enough out, and it shows up just like a brain with different points representing different notes or topics. This brings us to the defining feature of Obsidian that I don't even use, and that's the "Graph View." From here, all of your notes are connected in some form or fashion, and you can get an overview of what that looks like. Source: Andrew Myrick / Android Central (Image credit: Source: Andrew Myrick / Android Central) 10/13/2023 0 Comments Odyssey g9![]() Note that some tests, like gray uniformity, may vary between units. If someone comes across a different type of panel or their Samsung Odyssey Neo G9 doesn't correspond to our review, let us know, and we'll update it. The results for this monitor aren't valid for those. It's part of Samsung's Odyssey Series, which includes the models listed below, and the Samsung Odyssey OLED G9/G95SC S49CG95, a newer version of this monitor with a QD-OLED panel. It's an updated version of the Samsung Odyssey G9 from 2020 with Mini LED backlighting. We tested the 49-inch Samsung Odyssey Neo G9, which is the only variant available for the 2021 model in the AG900 lineup. We've purchased the product and are waiting for it to arrive in our lab. The product has arrived in our lab, and our testers will start evaluating it soon. Our testers have started testing this product. We retested HDR peak brightness, color gamut, and color volume with the latest firmware. We checked the Neo G9 to see if it has the same scanline issue as the Odyssey G7. Added tests for Console Compatibility and macOS compatibility and made minor changes to other tests, which you can see in our Changelog. Updated to Test Bench 1.2, resulting in changes to the results and scores with the Response Time and Input Lag. We tested the monitor with the PS5's new variable refresh rate feature and confirmed that even though the monitor supports HDMI Forum VRR, it's not working properly. ![]() The update only results in minor differences in performance.Įxplained differences between this and the new Samsung Odyssey Neo G8 in the Black Uniformity section. Updated the monitor to firmware 1011 and retested the HDR Brightness, HDR Color Gamut, and HDR Color Volume. Added that this monitor is a better super ultrawide gaming monitor than the LG 49GR85DC-B in the Compared to Other Monitors section.Īdded in the Variants section that the Samsung Odyssey OLED G9/G95SC S49CG95 is a newer version of this monitor with a QD-OLED panel.Īdded that the Samsung Odyssey Ark S55BG970 has a bigger screen, with twice the Screen Area.Ĭonfirmed that 1440p works on this monitor with the PS5.Īdded that the LG 45GR95QE-B is another 240Hz ultrawide monitor with an even better Contrast ratio. 10/13/2023 0 Comments Discovery place science charlotte![]() In 2016, the organization rebranded as Discovery Place, consisting of three brands: Discovery Place Science in uptown Charlotte, Discovery Place Nature in Freedom Park and Discovery Place Kids in Huntersville and Rockingham. In 2014, Discovery Place Education Studio at Bank of America STEM Center for Career Development opened on the museum's uptown campus. ![]() Through public-private partnerships, the network continues to expand with a second Discovery Place Kids that opened in 2013 in Rockingham, North Carolina. ![]() The museum has continued to grow with the expansion of the community, and the first Discovery Place Kids museum was opened in 2010 in Huntersville, North Carolina. In 2010, Discovery Place was significantly redeveloped, with an 18-month, $31.6 million renovation. The Carol Grotnes Belk Education and Parking Complex was completed in 1996. In 1986, exhibition space was added to accommodate traveling exhibitions and, in 1991, The Charlotte Observer IMAX Dome Theatre opened as the first giant-screen motion picture theatre in the Carolinas. The facility expanded as the needs of the community grew. This new museum opened in 1981, known as Discovery Place with 72,000 square feet (6,700 m 2) of space. The community of Charlotte approved funding and plans for a comprehensive hands-on science and technology center, and it was decided to locate the new museum on North Tryon Street to encourage development in uptown Charlotte and maximize access in the growing city. Īt this time, interest in science education was growing, in part due to the space race between the United States and the Soviet Union. By the 1970s, it had been renamed the Charlotte Nature Museum. It further expanded in 1965 to include a planetarium. This museum opened in 1951, with a focus on bringing families and nature together. The popularity of this museum led to the foundation of the Children's Nature Center adjacent to the new Freedom Park. The museum traces its history to 1946, and the foundation of a small museum on Cecil Street, Charlotte, by Laura Owens, a schoolteacher. The Freedom Park location in Charlotte: Charlotte Nature Museum became Discovery Place Nature and the facilities in Huntersville, North Carolina and Rockingham, North Carolina retained their names: Discovery Place Kids-Huntersville and Discovery Place Kids-Rockingham. The Uptown Charlotte location: Discovery Place became Discovery Place Science. The Discovery Place moniker now refers to the 501(c)3 non-profit and network of museums as a whole. In 2016, on the organization's 70th anniversary, the Discovery Place network of museums underwent rebranding for naming clarity. The theater-naming rights were secured by The Charlotte Observer.ĭiscovery Place's main entrance from Tryon Street in Uptown Charlotte Rebranding The museum opened in 1981 and was renovated in 2010. It is the largest IMAX Dome Theater in the Carolinas. Discovery Place Science operates The Charlotte Observer IMAX Dome Theater, also referred to as an OMNIMAX theater. Tryon Street, Charlotte, North Carolina, United Statesĭiscovery Place Science is a science and technology museum, located in Uptown, Charlotte, North Carolina. 10/13/2023 0 Comments Battle of tannenberg important"Military History Online - The Battle of Tannenberg, 1914." Military History Online - The Battle of Tannenberg, 1914. Once the German troops closed in to the center where they had completely surrounded the German troops, Samsanov the general of the Russians decided that it was over and they surrendered, making it a win for Germany in the Battle of Tannenburg As time passed the Germans closed in on the Russians surrounding them in a circle and killed all troops as they closed in towards the center. ![]() The Russians then got into a tight spot when the German’s surrounded their troops. The progress of the battle was as follows. The history of imperial Russia’s unfortunate participation in World War I is epitomized in the ignominious outcome of the Battle of Tannenberg. Whether Gumbinnen was a victory, a defeat, or a stalemate. The Russians had a big lack of munitions so they were limited to only using a certain amount of munitions in the battlefield. The outcome of this military masterpiece, called the Battle of Tannenberg, was the destruction or capture of almost the whole of Samsonov’s army. First Army at Gumbinnen, and their casualties proved higher than expected. Eventually the Germans overcame the Russian assaults and started slowly progress in the battle. When they were in battle the Germans of course they improved with tactics but the constant assaults from the Russian troops kept pushing them back. The defeat led the German High Command to dismiss von Prittwitz and his chief of staff, replacing them with General (later Field Marshal) Paul von Hindenburg and General Erich Ludendorff. This battle seems to be somewhat balanced and is really in favor of no one because they each had their faults in tactics. Rennenkampf and the Russian First Army were the first to encounter the German Eighth Army, winning the Battle of Gumbinnen. The Germans were more heavily fortified with weapons and training. Russia had about 206,000 soldiers and there was about 160,000 German soldiers, there army was so big that their ratio to the German army was 29 to 16. Although their army was much larger and had more troops than Germany, they were short on supplies like Artillery, Clothes, Rifles, and Rations etc. ![]() Also, Russia was not prepared because they had mobilized too early. ![]() Germany was at a disadvantage here because they didn't realize Russia would mobilize there troops so quickly after attacking France and they were also being attacked from two fronts. Russian General Samsonov led his Second Army from the southwest, while General Rennenkampf marched the First Army through the northeast. On the eastern front, Germany was in a precarious position because the majority of their troops were sent off to the western front and committed to the offensive there as outlined by the Schlieffen plan. Battle of Tannenberg On August 26, 1914, one of the first battles of World War I started when Russian troops attempted to invade German territory in a multi-pronged ambush. 10/12/2023 0 Comments White out blizzard images![]() And if you're stuck on a long stretch of highway when a sudden snow squall descends, the best advice is to turn on your headlights, leave a lot of room between you and other vehicles, stay off your brakes if possible to avoid losing control on the slippery road surface. Browse 75,255 authentic blizzard stock photos, high-res images, and pictures, or explore additional windy snow storm or winter storm stock images to find the right photo at the right size and resolution for your project. The wind and the snow may cause a power outage and collapse roofs. Imagine snow so deep that second graders can’t see over the top of it. a massive snowfall outdoors during winter season - Photo, Image. Truck in snow white-out, Dalton Highway, Alaska. White eighteen wheeler truck in snow blizzard, Alaska, US - Photo, Image. Snow whirling around in wind blowing faster than highway speed limits makes the whole world look white. Browse 595 professional winter blizzard whiteout stock photos, images & pictures available royalty-free. NOAA National Weather Service images by Ben Jacquot. For a storm to be qualified as a blizzard, the winds must be blowing in excess of 35 mph and visibility must be. A white-out is a condition found in polar regions in which snow and low cloud layers create uniform lighting, causing landscape features to disappear. ![]() If you're already on the road, get off as soon as is safely possible. Blowing snow during a blizzard reduces visibility. In many ways blizzards and white-outs are related. white image, which while clichd, always looks nice for an urban snowy scene. Slow down!" The longer one: "Slow down or delay travel! Be ready for a sudden drop to near zero visibility and icy roads in heavy snow."Įxperts advise avoiding travel when a snow squall is forecast. white cloud layer appearing to merge with the white snow surface. blizzard so I headed out to try and find a suitable scene. They include a special tone and vibration, repeated twice, similar to emergency calls like Amber Alerts. Once meteorologists see a snow squall on radar, they issue alerts, including Wireless Emergency Alerts to WEA-capable cellphones in the area. "And then once we see the snow squall actually on radar, that's when we can issue a snow squall warning, and the National Weather Service meteorologists can go ahead and draw those warnings." And then, down to the level of being able to say precisely what cities and towns, at what hour, will be impacted, we can get a feel for that six to 12 hours in advance. falling white snow on black background - whiteout stock pictures, royalty-free photos & images. determined man headed out to shovel snow in a blizzard - whiteout stock pictures, royalty-free photos & images. "Typically we'll know there's potential two to three days in advance. Browse Getty Images’ premium collection of high-quality, authentic Whiteout stock photos, royalty-free images, and pictures. "We've gotten a lot better," over the past decade or so, Banacos says. 10/12/2023 0 Comments Cocoa packet analyzerTo do that you will need to run a packet sniffer, such as Wireshark or Cocoa Packet Analyzer, and see which protocol is being used. ![]() ![]() Until they do, it is difficult but possible to detect when plain old HTTP is being used, and the update is vulnerable. The ultimate fix is for all developers who use the Sparkle Update framework to update their apps to require HTTPS connections throughout. Now Radek, on the Vulnerable Security blog, has shown that many apps which use Sparkle do not use HTTPS connections (which are recommended), only using vulnerable HTTP ones instead. When you download apps and updates through your browser, you can inspect the connection information in the browser window to confirm that it uses HTTPS, as distinguished by the padlock icon.īut a lot of apps offer convenient in-app update facilities, commonly using the Sparkle Update framework. This does not guarantee that everything you obtain from that service is free of malware – the XcodeGhost problem last year showed how reliant we are on Apple checking apps before they are offered for download – but places the burden on the service operator. When you use a service like the App Store, there should be no doubt that your connection with it is secure. This is because of the ease with which unsecured connections can be subverted, so that you end up with malware rather than the app or update which you thought you were getting. Most Mac security experts have been warning for some time that you should only trust apps and updates which are delivered over secure connections, including those from secure services such as the Mac App Store, and those obtained over HTTPS, but not plain old HTTP. 10/12/2023 0 Comments Ben shapiro andrew yang twitter![]() “Andrew worked his butt off, and that ethic came from his parents’ hustle,” said Nagesh Rao, a friend. His net worth, according to Forbes, is just one-twelfth that of Elizabeth Warren. ![]() The deal made Yang wealthy, but not as wealthy as many believe. Eventually, though, Yang built a test-prep company that he sold to prep giant Kaplan for somewhere in the low tens of millions. At the same time visitors to the site are entered into a raffle to win a unique experience with featured celebrity.”ĭespite an early partnership with John Leguizamo, or perhaps because of it, the company went belly-up. An early press release notes that “Stargiving, a high-profile celebrity/charity event platform, enables fans to become everyday philanthropists by allowing internet users to send money from corporate sponsors to charity. He and a friend from the firm founded a startup called. UBI has started to gain traction in Silicon Valley, in part because that’s the place most attuned to disruption, the place most interested in crazy ideas, and in part because, if income disparity leads to revolution, we know whose heads roll off the guillotines first. A more accurate depiction-with softer lines and a bigger smile-grins from hundreds of shirts and fake $1,000 bills, symbolizing Yang’s signature idea of giving every American adult a “freedom dividend” of $1,000 a month for life. His face, chiseled by a generous graphic artist into something resembling Daniel Craig’s, is on posters all around. Yang, a man no one had heard of a year ago, is everywhere. As the opening act warms up the crowd, everyone chants “PowerPoint, PowerPoint, PowerPoint!” Marijuana.” It feels like a combination of Coachella and a TED Talk. Others are wearing T-shirts with one of the pithiest and most compelling slogans in American politics today: “Math. Many are wearing hats that say “math,” an acronym for Make America Think Harder. There are several thousand members of the #Yanggang milling around, talking, flirting, debating, and, by the scent of it, taking advantage of California’s liberal herbal policies. It’s 7 pm on a Monday night in late September, and Andrew Yang, the most idiosyncratic of presidential candidates, is about to storm a stage in Los Angeles’ MacArthur Park. 10/12/2023 0 Comments Best bubble machineand has just six bubble wands on the spinner, but once you power it on, you’ll see that it’s more than enough. Its looks are certainly deceiving, as the compact size of this unit makes it seem capable of putting out only a small amount of bubbles, but that’s not the case at all. The first thing you’ll notice with the 1byone Bubble Machine is the small size. This portable, compact, and lightweight bubble machine easily puts out a high amount of bubbles each minute, and it’s highly affordable. The 1byone Bubble Machine provides all you could want when it comes to a modern bubble machine, and it’s as easy to use as it is versatile. You don’t have to go all that far back in time to see that older bubble machines were almost always unnecessarily large, didn’t work for very long, and were a little too expensive for what they offered. Lightahead Portable Bubble Blowing Machine.Let’s get started with our top overall pick and take it from there. Below, you’ll find bubble machine reviews of each product, highlighting what makes each one a good purchase.Īfter that, we’ll close with some helpful buying advice that can assist you in buying a bubble machine and ensure that you end up with the best bubble blower for your own needs. We’ve done the resting and research ourselves and settled on the 5 best bubble maker machines. The bubble machine market is a lot bigger than it used to be, as there are now hundreds of different units that are easily available for purchase. Just set one up in the backyard or living room, turn the machine on, and sit back and enjoy the show. They can be fun toys for kids and even your pets. Because bubbles are wet and slimy, kids will be able to practice their sensory processing skills.Bubble machines are not just for events either.Making bubbles with bubble making toys hones fine motor skills.Following where the bubbles go develops visual tracking skills.What do children gain when they play with bubbles? Grab them at Mr Toys and ensure a fun time of bubbles galore for your child now. So whether your child is a toddler, pre-schooler, or already in grade school, they will certainly enjoy our bubble toys and automatic bubble makers. ![]() Why not try to catch the bubbles from the Bubble Club Bubble Muncher? It’s a cute caterpillar-like machine that is ready to munch on bubbles for breakfast, lunch, and dinner. There’s also the Playgo Bubble Machine that generates more bubbles than you and your child can count. Take the Barbie Bubble-tastic Mermaid, for example! It comes with a giant mermaid that creates bubbles when you place it in the shell-shaped dipping tray. Some even have themes of popular characters. ![]() Our bubble making toys have colours and designs that children will definitely like. Imagine the immense fun your child and their friends will experience once they get to turn on that toy machine! Create Memorable Childhood Experiences with Bubble Toys We also have motorised bubble makers, bubble blowers, and bubble machines that can automatically emit hundreds of bubbles simultaneously. ![]() Why not let your child experience the same joy? Buy them bubble making toys from Mr Toys now and see them create the same fun and pleasure you experienced when you were a child yourself. How fun are those days when you go outside on a lazy afternoon to play bubbles with your childhood playmates! Whether blowing the bubbles or running after the bubbles to pop them, the fun is something no child can overlook. Don’t underestimate one of the most fun and memorable childhood pleasures – the timeless bubble making and bubble chasing activity. |
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