3/2/2024 0 Comments Mortgage estimator georgiaBe aware that depending on build quality HOA fees can rise significantly 10 to 15 years after a structure is built, as any issues with build quality begin to emerge. They cover routine maintenance of the building along with structural issues. HOA: home owner's association dues are common in condos & other shared-property communities. Historically flood insurance has been heavily subsidized by the United States federal government, however in the recent home price recovery some low lying areas in Florida have not recovered as quickly as the rest of the market due in part to dramatically increasing flood insurance premiums. Typically earthquakes & floods are excluded due to the geographic concentration of damage which would often bankrupt local insurance providers. Homeowners insurance: most homeowner policies cover things like loss of use, personal property within the home, dwelling & structural damage & liability. FHA & VA loans have different down payment & loan insurance requirements which are reflected in their monthly payments. Some home buyers take out a second mortgage to use as part of their downpayment on the first loan to help bypass PMI requirements. PMI is only required on conventional mortgages if they have a Loan-to-value (LTV) above 80%. PMI: Property mortgage insurance policies insure the lender gets paid if the borrower does not repay the loan. If property tax is set above 20 the calculator presumes the amount entered is the annual assessment amount. If property tax is 20 or below the calculator treats it as an annual assessment percentage based on the home's price. Real estate portals like Zillow, Trulia,, Redfin, & Movoto list current & historical property tax payments on many properties. One can't simply look at the old property tax payment on a home to determine what they will be on a forward basis, as the assessed value of the home & the effective rate may change over time. Those who rent ultimately pay this expense as part of their rent as it is reflected in their rental price. Property Tax: this is the local rate home owners are charged to pay for various municipal expenses. Extra payments applied directly to the principal early in the loan term can save many years off the life of the loan. If a home buyer opts for a 30-year loan, most of their early payments will go toward interest on the loan. The 30-year fixed-rate loan is the most common term in the United States, but as the economy has went through more frequent booms & busts this century it can make sense to purchase a smaller home with a 15-year mortgage. Loan Term: the number of years the loan is scheduled to be paid over. For your convenience we also publish current local mortgage rates. This calculator can help home buyers figure out if it makes sense to buy points to lower their rate of interest. If the buyer believes interest rates will fall or plans on moving in a few years then points are a less compelling option. In general discount points are a better value if the borrower intends to live in the home for an extended period of time & they expect interest rates to rise. In some cases a borrower may want to pay points to lower the effective interest rate. Interest Rate: this is the quoted APR a bank charges the borrower. If the loan amount is above 80% of the appraisal then PMI is required until the loan is paid off enough to where the Loan-to-value (LTV) is below 80%. Loan Amount: the amount a borrower is borrowing against the home. This is used in part to determine if property mortgage insurance (PMI) is needed. Home Value: the appraised value of a home.
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I'm always looking for ways to improve the games, so if you have any suggestions, feel free to reach out to me. I do my best to keep the website up to date. Please add any ideas for improvements and new features to our list of feature requests. I'm always trying to improve the site, so I'm open to suggestions and ideas on how to do so. You can e-mail me your thoughts, questions, suggestions and feedback at I personally view every e-mail I get and try to respond to all of them. Who should I contact if I have a question or feedback? Click on the Remove link to undo the dislike, so you can play with this person again. What can I do?Ĭlick on your user name in the upper right corner to see a Manage Dislikes area with a list of disliked players. If the player is abusive, it is probably best to dislike them in this way and then abandon the table. Clicking this icon records the fact that you dislike this player, and you will not be seated with them again. There is a red X icon to the bottom left of the player. Hit the enter key, and your words appear on the screen. Start typing, and see your words appear in the text area. How do I chat?Ĭlick on the Chat button in the lower left corner, and a small text area will open up. Registered users have extra privileges, like being able to save hand histories and being eligible to play ranked games. As a registered user, your stats are never cleared. All your settings and statistics are tied to this account, and thus you can play from different computers. Registering allows you to pick your own username. How can I turn on the custom cursor?Ĭlick on your username at the top right. Be aware that it may take longer for the table to fill up with this setting it will usually be faster when "Either" is chosen. You will be seated at a table where robots cannot be invited. How can I forbid robots at my table?Ĭlick the Menu button and set the Bots option to No. For further instructions, see our blog post on how to set up your private table. You and your friends will all be seated at the same private table. Then click Change next to Name and enter your table name. Now you and your friends should click the Menu button and check Private Table. How can I play with friends or family at a private table?Ĭome up with a name for your table and tell your friends. This will ensure no other players join your table. How can I play by myself?Ĭlick the Menu button and check the Private Table option. How do I play against the computer?Ĭlick the little grey robot next to an empty seat at a table to invite a computer player. There's a blog post where you can read more about the "Options" button. It's in the bottom left of the game picture. On the main screen, click on any of the big pictures to play the game denoted by that picture. You can even save your hand history so you have a chance to analyze them later on! Frequently asked questions How do I start a game? Sign up to the site to be able to see detailed statistics. You can even chat with other players once you've joined a game, but remember to be friendly! Detailed statistics and hand histories There are always live players at the site, so you're sure to find someone to play with. Join ongoing games and chat with other playersĬlick List of Tables to join an ongoing game. With 160+ different avatars, you're sure to be able to find one to your liking. Custom design and avatarsĬhange the background and card design to something that suits you better. Ranked players have a chance to end up on the daily leaderboard. These games are reserved for more series players and will only be accessible to you once you've signed up and played 10 games. If you're serious about your card games or have a competitive streak, ranked games are for you. Start a private table and let your friends know about the table name to get them to join. Meeting fellow card game enthusiasts online is nice, but nothing beats a game against friends or family. Play against friends or family at a private table Just click List of Tables to find a table to your liking. People are generally really nice to each other, and you can always find an open table to join. We have a great community of card players. Our intelligent bots should be challenging enough, even for experienced players. We always suggest playing against the computer before playing against other people. If you're new to a game, playing against others can feel intimidating. We're always open to suggestions, so feel free to reach out to us with suggestions for improvements. We strive to make our games as easy to use as possible, but at the same time, we want our games to have all the necessary features to make multiplayer gaming a joy. World of Card Games is filled with useful features that'll help you enjoy our classic card games to the fullest. 3/2/2024 0 Comments Recover oovoo videosThere are a bit too many windows to toggle through. The help index is not very helpful for a novice computer user like myself. Clicking as told does NOT let me chat with other person(s) in video link-up. Using chat during a 1 on 1 video encounter is prohibitive to me for some reason and I PAID for a subscription. Description of how to use various features seems to be not readily available. Other users of this version have told me it does the same to their computers too. This causes my computer to overheat and slows everything down. Product causes the CPU usage to go from a normal 5% to about 99% when I open it. Clumsy, bug-ridden, way-too-expensive program. Web site help is confusing at best and terribly incomplete. Some of the worst customer service in existence. What Pros? Oh, yeah, very pretty and nice looking. Improved network support for routers and firewallsDirectX Support - ICUII supports more cameras than ever!Imposter Stopper - Disabling software-based cameras to help curb imposters.Integrated Pal List and QM Backup - Keep backups of your pal list so you never lose it again.Panic Button - Minimize ICUII with the press of a button to keep away unwanted eyes.Multiple Monitor Support - Get the most of out of your dual-monitor system.Bug fixes and optimizations - ICUII now runs even faster!Real time one on one video chats with audioReal time mulitple video chats with audioUser Directory with invisibility optionQuick Messaging SystemPal ListMessage CenterFully functioning on home networksQuick view of User ProfilesOffline Quick Message SystemG-Rated and Adult AreasAuto Updates via the ICUII program Improved network support for routers and firewallsDirectX Support - ICUII supports more cameras than ever!Imposter Stopper - Disabling software-based cameras to help curb imposters.Integrated Pal List and QM Backup - Keep backups of your pal list so you never lose it again.Panic Button - Minimize ICUII with the press of a button to keep away unwanted eyes.Multiple Monitor Support - Get the most of out of your dual-monitor system.Bug fixes and optimizations - ICUII now runs even faster!Real time one on one video chats with audioReal time mulitple video chats with audioUser Directory with invisibility optionQuick Messaging SystemPal ListMessage CenterFully functioning on home networksQuick view of User ProfilesOffline Quick Message SystemG-Rated and Adult AreasAuto Updates via the ICUII program Changes It's a software frequently downloaded in countries such as Turkey, Canada, and United States. ICUII Video Chat is a software that needs less free space than many programs in the category Communication software. Since the software was added to our catalog in 2007, it has managed to reach 31,819 installations, and last week it had 14 installations. 3/2/2024 0 Comments Samba og shoes 7.5That’s quite a stratospheric achievement for a pair of icy-weather football boots originally released all the way back in 1950. Shop for Samba OG Shoes - White at .nz See all the styles and colours of Samba OG Shoes - White at the official adidas online shop New Zealand. All of this indicates that adidas has built a classic, and if there’s one thing the Samba will never be, it’s dated. Later, in the 90s, like any classic pair of sneakers, the Samba drew on feelings of nostalgia to become the prime pick among the skater community of the time.įrom innovative World Cup winning beginnings, to nimble 5-a-side games, to the alternative 90s skate scene, the adidas Samba has now become a sneaker for the modern era. This more casual, street-style inspired game was played in towns and cities all across the continent throughout that decade, giving the Samba a massive boost in popularity along the way. In 1970s Europe, its quick, reactive feel made the Samba perfect for 5-a-side futsal. It is this design that has been cherished both by footballers and casual wearers over the years. This new design sits atop a unique tan gum outsole over a cupsole, has been given a larger tongue that can be folded over, is rendered in a simple black and white colourway, and, for a final touch of style, has ‘Samba’ printed in gold on the side. They now use more conventional cow leather and even offer pleather as a vegan alternative. The adidas Samba gradually shifted away from the utilitarian kangaroo leather construction of the first tough boot to the lighter shape of the adidas sprinting shoe. This cemented adidas’ reputation as a world-class football boot manufacturer. Following this, people began wearing the boot in all weathers, be it wind, rain or sunshine.įour years later, at the 1954 Swiss World Cup, the whole West German team wore adidas boots as they achieved a 3-2 victory over clear favourites Hungary in one of the most exciting football finals ever played. They gave it the name ‘Samba’, the same as the Afro-Brazilian style of dance, to appeal to the culture of Brazil. So, instead of foregoing the golden opportunity to launch the product at the World Cup, adidas got inventive. The plan was to launch this innovative new product at the World Cup of 1950, which was to take place in the Brazilian winter – not exactly the same freezing cold temperatures as those experienced by those playing in Europe. The original concept of the Samba was to help footballers play in harsh, wintry conditions without the fear of slipping and falling on an icy surface. No other football boot in history has achieved such a cultural leap, which is a testament to its impeccable, ageless design, its versatility and the global adoration it has received through the decades. See all styles and colors of Samba athletic and soccer shoes in the official adidas online store. Shop the classic men's Samba shoe by adidas Originals. But not only that, the adidas Samba has also achieved its own iconic status in fashion. Find men's adidas Samba shoes to suit soccer players, cyclists, skaters and stylish types everywhere. The Samba was the first shoe ever to be produced by adidas, and, remarkably, it’s still being manufactured today, making it their oldest surviving model. Orchard x New England Revolution Samba ADV. 19-15-01: Prohibits camping for a combined total of no more than 14 days during a calendar year (January-December), forest-wide. Reservation holders must be present at check-in.Using the pre-check in will require you to check in with the campground office upon arrival. Need to KnowĪll campers must register at the campground entrance kiosk. A camp host is on-site, and firewoodĪnd supplies can be purchased from the camp store. Each yurt and standard site has a bear-proof food storage locker, campfire ring, pedestal grill and picnic table.Ĭoin-operated shower facilities, water spigots and accessible restrooms with flush toilets are scattered throughout the campground. The tent and RV sites have paved parking aprons. Cooking supplies and bedding are not provided. Interior furnishings include a futon and bunk beds with mattresses. The yurts sit on a wooden platform and have an electric light and space heater, but no additional electric plug-ins. It's a popular campground and tends to fill quickly.Įach yurt provides a cabin-like space for a family of five or six people. Fallen Leaf Lake is less crowded and not as well-known as Lake Tahoe, making this a great base camp for exploring the many sights and recreational activities in the area. The campground is typically open from mid-May through mid-October. The campground features 206 sites that include six yurts and standard tent and RV sites. The south shore of Lake Tahoe is less than a mile away. Fallen Leaf Campground is situated on the north shore of Fallen Leaf Lake and adjacent to Taylor Creek. Idk I just think much more was going on with the first 2 seasons than the later two seasons. 14/15 felt like a whole season was compressed with how they were out of spores, went to a moon and grew some mushrooms, and then infiltrated Kronos. It's pretty obvious that episode 14/15 were ordered to wrap it all up. (cloak for klingons, and the spore drive for the federation.) The story also started with an incorrect mutiny (Burnham against Georgiou) and ended with a 'good' mutiny (Burnham against Evil Georgiou) I don't think they did it well. Overall I loved the season 1 structure of having two opposing but mostly equal forces each having a unique 'superweapon'. There's an optimism that even the most fanatical enemy could be convinced with the right information. Except that the added context/knowledge gave him the understanding that the two sides don't really have a reason to fight. Voq was such a true believer that he would undergo drastic change to infiltrate/hurt his enemy. Voq/Tyler had a similar duality with being klingon/human. It wasn't really until she became the mutineer that she started opening up. Even as first officer she was very closed off due to her upbringing. There's a duality between Burnham's human/vulcan side. They're conservative reactionaries against any or all change. "Remain Klingon." There's obvious parallels to the world with religious fundamentalism or the MAGA movement. That the Federation would be an existential crisis against klingon identity. He believed that change could only be bad and that they should return to fundamentalist Klingons. T'Kuvma's whole thing was that he believed the Federation was slowly assimilating Klingon Culture. The whole theme of the season being identity. I loved the messiness with Burnham/Tyler's relationship. I really loved Tyler and his existential crisis with identity. Really enjoyed the emotionally distant and messed up Burnham was before 'opening' up throughout the season. I liked the idea of a disgraced starfleet officer try to reluctantly redeem herself. Just characters that are 'broken' or get broken throughout the season. I know that I have a specific love for certain story tropes. The quality ranges from "meh" to "I can't believe that racist shit was allowed to air" and if TNG could recover from that I don't think you should judge Discovery based on its first 8 episodes. The federation being not as great as it pretends to be is kind of a theme throughout TNG and DS9.Īnd of course it's always good to remember how TNG started: Picard himself was perfectly fine with entire planets being wiped out because "prime directive, universal plan, blablabla", it took Data to make him listen to the pleas of a little girl for him to grumble and easily save her world in a few hours. The Maquis came into existence because the federation handed over some of their colonies to the cardassians and told the people living there to move, sucks to be you. Click to shrink.This is actually what the federation has always been, the evil Star Trek admiral is a trope for a reason, there are many episodes where it's the good main characters who have to stop some callous starfleet/federation plan or deal with its consequences. 3/2/2024 0 Comments Grappling dom of movement 5eDo you have to pay for the movement of all 10, plus yourself? Or, you could shapechange into a kraken and grapple 10 creatures. In the first case, what happens if you grapple two creatures? You do, after all, have two hands. You can move the grappled creature without spending movement, and move around the creature at full speed.Įach of these have some issues. Your movement costs double when both of you move, but not if only you move.You can move a grappled creature without spending movement, but if you move it always costs double, even if they don't move. Your movement costs double while you are grappling.If you move the creature around you, you only need to pay for their movement. Thus, if you are both moving, it costs double movement. You have to spend movement to move the grappled creature.We can try to rationalize what's going on in order to derive a more universal rule, but we quickly run into some issues. Obviously, since you are moving, this will cost movement. Then, there's the example in which you grab a creature and then move around them while holding them in place. Does this cost movement? If so, is your movement speed halved for this movement? Is this type of movement even allowed? The rules don't actually say anything about moving a creature unless you, yourself are moving. You remain stationary, but the enemy is moved 10 feet. So let's consider an example where you grab a creature, and then want to move them to the other side of you (perhaps so your allies can gather around and beat them up). The first one is the situation that has already been addressed: you move and drag the grappled creature behind you. The grappler moves around the grappled creature, but holds them in place.The grappler moves the grappled creature around them, but remains stationary.In fact, there are three distinct movement scenarios in which the half movement may or may not come into play: But hold on, this only considers the scenario in which you are both moving. When you move, you can drag or carry the grappled creature with you, but your speed is halved, unless the creature is two or more sizes smaller than you.Īt first, this also seems straightforward: when you move while grappling, it costs double movement (or rather, your speed is halved, which is only relevant if the grapple ends during your turn). Learn how to access your iCloud data on the web. If you turn on web access again, you can use one of your trusted devices to approve temporary access to your data on the web. When you turn on Advanced Data Protection, access to your iCloud data on the web at is disabled to ensure that your data is available only on your trusted devices. While Advanced Data Protection is enabled for your account, you can sign in with your Apple ID only on devices that meet the software requirements listed above. If one of your devices prevents you from turning on Advanced Data Protection, you can choose to remove that device from your Apple ID device list and try again. If you’re not able to turn on Advanced Data Protection for a certain period of time, the onscreen instructions may provide more details. Scroll down, tap Advanced Data Protection, then tap Turn on Advanced Data Protection.įollow the onscreen instructions to review your recovery methods and enable Advanced Data Protection.Ĭlick Advanced Data Protection, then click Turn On. Turning on Advanced Data Protection on one device enables it for your entire account and all your compatible devices. You can turn on Advanced Data Protection on an iPhone with iOS 16.2, iPad with iPad OS 16.2, or a Mac with macOS 13.1. How to turn on Advanced Data Protection for iCloud Managed Apple IDs and child accounts are not eligible for Advanced Data Protection. Windows computer with iCloud for Windows 14.1 or later HomePod with software version 16.0 or later Updated software on all of the devices where you're signed in with your Apple ID: If you don't already have one, you'll be guided to set one up when you turn on Advanced Data Protection. To turn on Advanced Data Protection for iCloud, you need:Īn Apple ID with two-factor authentication.Ī passcode or password set for your device.Īt least one account recovery contact or recovery key. Note: Your account recovery methods are never shared with or known to Apple. Learn more about recovery contacts.Ī recovery key is a secret 28-character code that you can use, along with a trusted phone number and an Apple device, to recover your account and data. They won’t have any access to your account, only the ability to give you a code to help you recover your account. It’s also used to reset your Apple ID password and to recover your end-to-end encrypted data if you lose access to your account.Ī recovery contact is a trusted friend or family member who can use their Apple device to help you regain access to your account and data. Your device passcode or password is the passcode on your iPhone or iPad, or the login password on your Mac that you set to protect your device and enable two-factor authentication. If you ever lose access to your account, you’ll need to use one of your account recovery methods - your device passcode or password, your recovery contact, or recovery key - to recover your iCloud data. With Advanced Data Protection enabled, Apple doesn't have the encryption keys needed to help you recover your end-to-end encrypted data. Before you turn on Advanced Data Protection, you can learn more about how your data is protected with standard data protection and if you enable Advanced Data Protection.īefore you turn on Advanced Data Protection, you’ll be guided to set up at least one alternative recovery method: a recovery contact or a recovery key. No one else can access your end-to-end encrypted data, not even Apple, and this data remains secure even in the case of a data breach in the cloud. If you choose to enable Advanced Data Protection, the majority of your iCloud data - including iCloud Backup, Photos, Notes, and more - is protected using end-to-end encryption. About Advanced Data Protection for iCloudĪdvanced Data Protection for iCloud is an optional setting that offers Apple’s highest level of cloud data security. How to turn on Advanced Data Protection for iCloudĪdvanced Data Protection for iCloud offers our highest level of cloud data security and protects the majority of your iCloud data using end-to-end encryption. 3/1/2024 0 Comments Adult zebra sharkThere is only one reported case of an unprovoked attack from a zebra shark though the affected diver was not injured. Humans also hunt them for their oil, meat, and fins. If you walk in to many buildings today with large to medium sized aquariums, you may notice that many of them keep the zebra shark on display. In some parts of the sea, they have gotten so used to humans that they will allow themselves to be petted by divers and swimmers. This shark is generally considered harmless to humans. Though their exact swimming speed is not documented, they are generally strong, agile swimmers. 5) Average/Maximum WeightĪbout 30 kilograms (66 lbs.) 6) Maximum Swimming Speed Male and female of this species are not different in size. They grow up to 2.5 meters (8.2 feet), though there are unconfirmed reports of one individual reaching 3.5 meters (11 feet). Stegostoma Fasciatum 2) Scientific Classification:īetween 25 and 30 years in the wild. This species is often referred to as the leopard shark, though that name is more common for the species Triakis Semifasciata. The present conservation status for the zebra shark is Endangered. Humans are also putting them under pressure through hunting them for their oily meat, and fins.Īccording to research conducted by the IUCN, the numbers of these animals are reducing and they are at a very high risk of becoming extinct. Since these sharks are relatively small compared to the larger shark species, they are at risk from other larger sharks like great whites, etc. Zebra sharks are generally harmless to humans and they’re also a top choice for aquarium displays because they are hardy and do quite well even in captivity. They come up at night to hunt for prey like mollusks, crustaceans, small bony fish, and possibly sea snakes too. This species is nocturnal and spends most of the day lying motionless on the sea floor unless disturbed. These stripes fade away as the sharks grow older. In fact, the name “Zebra shark” is from the juveniles of this species because of the zebra-like stripes on their bodies. Young zebra sharks are very different in appearance with light vertical stripes on brown skin. This shark swims throughout the tropical Indo-Pacific waters.Īn adult zebra shark has five longitudinal ridges on a cylindrical-shaped body, a low caudal fin that’s almost half its total body length, and a pattern of dark spots on a pale skin. The Zebra Shark is a distinctly beautiful species of carpet shark and the only member of its family: Stegostomatidae. Zebra Sharks Are One Of Many Endangered Sharks Today. The Zebra Shark is distinctly beautiful and it’s one of the few sharks that can reproduce without mating. 3/1/2024 0 Comments 4d sphere formulaThe Laplacian can be formulated very neatly in terms of the metric tensor, but since I am only a second year undergraduate I know next to nothing about tensors, so I will present the Laplacian in terms that I (and hopefully you) can understand. The ( n – 1)-sphere is the boundary of an n-ball. This is because spherical coordinates are curvilinear coordinates, i.e, the unit vectors are not constant.The 3-sphere is the boundary of a 4-ball in four-dimensional space.The 2-sphere, often simply called a sphere, is the boundary of a 3-ball in three-dimensional space.The 1-sphere is a circle, the circumference of a disk ( 2-ball) in the two-dimensional plane.The 0-sphere is the pair of points at the ends of a line segment ( 1-ball). In coordinates, a 3-sphere with center (C0, C1, C2, C3) and radius r is the set of all points (x0, x1, x2, x3) in real, 4-dimensional space ( R4) such that.Its interior, consisting of all points closer to the center than the radius, is an ( n + 1)-dimensional ball. The n-sphere is the setting for n-dimensional spherical geometry.Ĭonsidered extrinsically, as a hypersurface embedded in ( n + 1)-dimensional Euclidean space, an n-sphere is the locus of points at equal distance (the radius) from a given center point. x 2 + y 2 + z 2 + w 2 r 2 is the equation of a hypersphere, where w is measured along a fourth dimension at right angles to the x-, y-, and z-axes. In mathematics, an n-sphere or hypersphere is an n- dimensional generalization of the 1-dimensional circle and 2-dimensional sphere to any non-negative integer n. All of the curves are circles: the curves that intersect ⟨0,0,0,1⟩ have an infinite radius (= straight line). Due to the conformal property of the stereographic projection, the curves intersect each other orthogonally (in the yellow points) as in 4D. By symmetry each of the suggested integrals computes half of its actual contribution to the sphere. from -a to a instead of 0 to a, from - (a²-x²) to + (a²-x²) instead of from 0 to + (a²-x²), and so on. This image shows three coordinate directions projected to 3-space: parallels (red), meridians (blue) and hypermeridians (green). The volume of the 4D sphere is the same as the suggested integral, but. The 1 -sphere is a circle, the circumference of a disk ( 2 -ball) in the two-dimensional plane. In particular: The 0 -sphere is the pair of points at the ends of a line segment ( 1 -ball). Generalized sphere of dimension n (mathematics) 2-sphere wireframe as an orthogonal projection Just as a stereographic projection can project a sphere's surface to a plane, it can also project a 3-sphere into 3-space. Its interior, consisting of all points closer to the center than the radius, is an (n + 1) -dimensional ball. |
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