![]() ![]() Some conventional mortgage programs backed by Fannie Mae and Freddie Mac require just 3 percent down. Several low- and no-down payment mortgages allow for less money upfront. In fact, according to the National Association of Realtors, the typical first-time homebuyer makes a down payment of 7 percent of the purchase price. So, for example, if you’re buying a home that costs $400,000, a 20 percent down payment would be $80,000. There is a common misconception that you need to put down 20 percent of the purchase price. Plus, lenders like to see larger down payments because they indicate a lower level of risk if you default on the loan. By increasing the size of your down payment, you can lower the amount of money you need to borrow. The down payment is the amount of money you can afford to contribute to the home purchase. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.ī is an independent, advertising-supported publisher and comparison service. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.Įditorial policy, so you can trust that our content is honest and accurate. Our experts have been helping you master your money for over four decades. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. ![]() Our goal is to give you the best advice to help you make smart personal finance decisions. ![]() Our editorial team does not receive direct compensation from our advertisers.īankrate’s editorial team writes on behalf of YOU – the reader. We maintain a firewall between our advertisers and our editorial team. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. We do not include the universe of companies or financial offers that may be available to you.īankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. But this compensation does not influence the information we publish, or the reviews that you see on this site. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. The offers that appear on this site are from companies that compensate us. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.īankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. We are an independent, advertising-supported comparison service.
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![]() AddMeasure(,, ) function to create a new measure on the table. NewMeasure.Description = "This measure is the sum of column " + c.DaxObjectFullName Set the format string on the new measure: ![]() "SUM(" + c.DaxObjectFullName + ")", // DAX expression Many of these scripts are useful to save as Custom Actions, so that you can easily reuse them from the context menu.'Īlso, make sure to check out our script library C# Script Library, for some more real-life examples of what you can do with the scripting capabilities of Tabular Editor.Ĭreate measures from columns // Creates a SUM measure for every currently selected column and hide the column. Here's a collection of small script snippets to get you started using the Advanced Scripting functionality of Tabular Editor. esttab, eform wide label nostar refcat(_Idrug_2 "Placebo") esttab, labcol2(+ ? + -, title("" Hypothesis)) ![]() quietly regress price mpg foreign weight displ Option to add a column indicating the expectedĭirections of effects according to theory: Marginal effects Standard errors in parentheses (*) dy/dx is for discrete change of dummy variable from 0 to 1 eststo: quietly logit foreign mpg weightĮxponentiated coefficients t statistics in parentheses Regression, harzard ratio in the Cox model, incidence rate ratio, relative risk ratio), To report exponentiated coefficients (aka odds ratio in logistic
![]() Use whatever you have in the best possible ways to stave off death. There will be no “rescue” for you should you get overwhelmed. You and your fellow survivors will have to go from house to house to not just get items, but set up defenses to fight off the hordes. The title puts you within two towns that have been overrun by zombies. How long do you think you could reasonably survive against a zombie horde? If you think you can last, then check out Project Zomboid. As a result, everything is going to be a threat to you because you’re literally on their turf now. However, in the world of Grounded, you’re shrunk to the size of an ant. When you’re the average size of a human, things like bugs aren’t an immediate threat. The title has been updated over 300 times throughout its life, so you’ll get to reap the benefits of that if you start playing now. With other players and creatures all around you, you’ll have to fight them off to be the last one standing. You’ll need to think fast and get resources and items to use to grow and survive. But make no mistake, you are not alone here. In the game, you’ll indeed be naked as you arrive on the island. ![]() Rust is one of them, and you’ll find it’s a very layered survival title. There are a few games on this list that have the theme of being dropped onto a random island and being forced to survive. We’d also bet though that are a little bit you’d get out of it because there are better survival games out there. So, it takes place in a voxel-based world of blocks where players can interact with flora and fauna, craft items, and build constructions.But if you were to go and try out the survival mode you would find a challenge. It is also one of the best-rated sandbox adventure/building games on Steam. It is also a free-to-play sandbox game developed by Playful Corp. CreativerseĬreativerse is one of the best survival games. The New Z players can also go into wars against other groups in a massive open world or face them 5 v 5 in competitive. They also need to endure the hardships of a post-apocalyptic, zombie-infested world. ![]() In this game, players need to collaborate with other players and find weapons and items in this world to increase their chances of survival. It is also a free-to-play multi-game mode experience. Infestation: New Z is a zombie survival game developed by Fredaikis AB. It contains workshops for creativity, and it can add, make, and develop modules all by itself.Īs the main character, you will need to search for supplies in a ruined city and many huge maps, engage with prospective NPCs, discover the world's mysteries, hone and strengthen your equipment, and construct homes and other structures to establish your own world. The online sandbox survival game Unturned has two game modes: PVE and PVP. In this mode, each player will be able to use different skills to build their character. There is also a classic old-school survival mode. There is a completely player-based economy. It is an online multiplayer survival game created by Creaky Corpse, where players survive in a zombie world and are able to trade and PVP. ![]() Dead Frontier 2 is also one of the best survival games. In fact, the only thing remotely remarkable about him is exactly how much he conforms to the median of the hypothetical everyman, and up until this point, Joe’s life hasn't exactly been biography material. Average height, average weight, average IQ. Our protagonist is Joe in more than just name. ![]() It’s been like this for years, going from one soul-devouring job to the next. Working a dead-end attendant job making sure the building is as spotless as the suits walking the halls. All the winds of change are doing here is blowing leaves all over Joe’s newly-swept floor. Somewhere in the big city, in a tall, faceless government building someone left a window open. The winds of change are certainly blowing over the country. Environmentalists, the female liberties movement, and on the dance floors an entirely different kind of movement is overtaking the underground clubs. Meanwhile the Cold War is more than lukewarm and a real one is going on overseas. Flipflops, English leather and bandanas are the height of fashion. Sit back, plug in your headphones, and enjoy the adventure.īackground Story. With an interface specifically designed for touch devices, you'll flow through the story without hiccups and frustrations. The Silent Age is an atmospheric point-and-click adventure game with stylized visuals and an eerie soundtrack that will keep you in suspense as you solve mind-bending puzzles. Stylish and simple, theres much to recommend in this free episodic point-and-click game from Danish indie. The idea was, it turns out, to give the opening chapter away for free and then follow up soon after with a paid second chapter. Experience a post-apocalyptic world like never before in The Silent Age, a thrilling point-and-click adventure game. It came out of nowhere, was completely free, and offered a few hours of high quality point and click fun. ![]() Travel through time between the iconic 70's and a desolate present day haunted by silence. Chapter 1 - Chapter 2 Part 1 - Chapter 2 Part 2. The Silent Age takes you on an adventurous journey into a dystopian future where mankind has gone extinct! ![]() Work fluidly across your devices with AirPlay to Mac.Is macOS more secure than Windows? This malware report has the answer Get more done with powerful productivity tools like Focus, Quick Note, and Tab Groups in Safari. Enjoy new FaceTime audio and video enhancements, including spatial audio and Portrait mode. MacOS Monterey lets you connect, share, and create like never before. Some features may not be available for all regions or on all Apple devices. ![]()
That information might be useful for others in the future. While it's your choice to delete your own posts, consider that others put a lot of their time and effort into helping you. ' Fluctus ' is the Latin word for 'billow' or 'wave' and this may also be used to describe the cloud formation, though that most often occurs in scientific journals. They are also known as billow clouds, shear-gravity clouds, KHI clouds, or Kelvin-Helmholtz billows. 49) and has the legal status of standard practices and procedures. Kelvin-Helmholtz is the scientific name for this impressive cloud formation. ![]() The text enclosed in grey-shaded boxes, like this example, comprises Annex I to the Technical Regulations (WMO-No. (Section 2.3.1.4) Cirrus, usually of the species spissatus, sometimes shows mamma or fluctus. It's OK to ask for advice on a problem, but we're not here to do your homework for you Supplementary features and accessory clouds. Be aware of Reddit guidelines on self-promotion - i.e. Popularly known as Kelvin-Helmholtz instability or KH wave clouds, the fluctus cloud feature can be found amongst five cloud types: cirrus, altocumulus. They occur mostly with Stratocumulus and Altocumulus. Misleading information will be removed instantly. The varying levels of illumination and thickness of the cloud can lead to dramatic visual effects. The Dun & Bradstreet Data Cloud offers the worlds most comprehensive business data and analytical insights to power todays most crucial business needs. Please do not downvote users who ask simple weather related questions Please keep posts and discussions meteorology related 6 7 Type 1 Veils, very tenuous stratiform resembles cirrostratus or poorly defined cirrus. 'The base of these clouds is often above 16,500 feet (5,029 meters), as this is where the difference in wind speed in the atmosphere tends to be greatest,' adds weather forecaster and former BBC Weatherman Liam Dutton. Pictures Videos/Animations Advice/Questions Articles/Publications Education/Career Other Check out these other interesting subreddits: Noctilucent clouds are thin clouds that come in a variety of forms based from about 80 to 85 kilometres (262,000279,000 ft) and occasionally seen in deep twilight after sunset and before sunrise. ![]() For weather related articles, exciting weather events and sharing our favorite weather stuff.įor personalized flair (Graduates, Postgraduates, Postdocs, Experts, Pro forecasters, etc) please contact the mods with some proof. ![]() For anyone from professionals to hobbyists. ![]() ![]() So if you do not care about Apricot Trees and want fast Pine Trees this is better. Normally Pine Trees would take 24 hours, but with this option it is only 13 hours, also note that Apricot Trees normally take just 2 hours but with this mix it will take 13 hours. if you have 2 Pine Tree and 2 Apricot Tree the result Grove time is only 13 hrs. Sometimes the mix mode of trees might useful, ex. You have to fill the Grove with trees wisely because the same kind of trees will produce more fruits. Grove bloom time = Upper round of ( sum of each tree bloom time inside Grove / 4) Example: Grove bloom time = Upper round of ( + + + / 4) = 2h + 2h + 24h + 24h = 52h ⇒ 52h / 4 = 13 hours = 2 hours = 24 hours Filling up a grove, smart tips The Grove bloom time is depends on the tree inside the Grove the formula is upper round of average bloom time of the trees inside Grove. Placing a fertilized tree into a grove also revokes the adjustments without giving them back. Placing a watered tree into a grove makes the tree dry again, but you get prompted a warning before you can move the tree inside. For instance 4 Apple Trees need only 4 Water because they would normally need 8 Water. All four trees are watered simultaneously and need 4 Water less in total than before. The Grove can only be watered, harvested or fertilized if it contains four trees. Grove watering and placing watered/ fertilized trees in This is only possible before watering the trees (and after harvesting). In order to move a Tree of a Grove to the outer space it is needed to select the Move-Tool which is located in the Tools-menu. Trees can be moved into a Grove simply by right-clicking a tree. Using the grove Using less space for trees, how to be moving trees in and out a grove Īll type of Groves can contain up to four trees so each tree in a Grove uses an area of 1x1 instead of 3x3 a normal tree uses, so very effective in creating more space. They get you more points for prize crops, and crop bonuses for the fair. Look for crops you cannot yet make, or specialty trees that have to be bought with farmcash. While its active, you will get DOUBLE points. 2.2 Grove watering and placing watered/ fertilized trees in Buy the gold shovel at least once a week, and while it is active, visit neighbors who are at a higher level than yourself. ![]() 2.1 Using less space for trees, how to be moving trees in and out a grove.Limited time only crops earn more, so plant them often. SELL your craft items and excess crops often, so you earn more coins.īuy the gold shovel at least once a week, and while it is active, visit neighbors who are at a higher level than yourself. The real way to expand quickly is to make coins quickly. This is a sorting system, and not an actual cheat.Īnother tip, always craft high coin items, and sell. You can then fill your requests for the expansion quests faster. You do have to be playing through facebook, not zynga to use the cool chaser. It allows you to sort the feed, so you can target what you need, faster. ![]() Gamersunite does offer a cool chaser, which is like the activity feed in FV2, only more efficient. Basics of Cheat Engine Farmville 2 - YouTube 0:00 / 8:10 Basics of Cheat Engine Farmville 2 DJsMama11 191 subscribers Subscribe 80 151K views 9 years ago This video shows you the basics. Do not bother with them, do not buy the ones that say they are safe, because ultimately, they aren't. Those saying Zynga has not discovered yet, will be discovered and you will get banned when they do. If you use cheat codes, Zynga will ban you. ![]() Its capitalization estimate was $10 million. For two years, the startup has developed with its own funds, and in 2011, they got investment from TMT Investments: $3 million for the 27% share. In the same year, Sergeev launched his new project - Depositphotos. The exact value of the deal is still unknown, but the media say $2 million would be too much. The first significant project of Sergeev was the DepositFiles web hosting service. The Executives that participated in the deal have got large bonuses. After closing the deal with VistaPrint, all option holders could realize them. The answer was that all current projects continue their work.ĭepositphotos added that there was an option pool due to EBRD’s investment, and now it is split between the Executives of the company. We also have asked about the fate of the Lightfield studio and Bird In Flight and WAS publishers. The company also plans to expand the VistaCreate 24/7 customer service in all countries and main languages with both live chats and hotlines.” “In Ukraine, there are many talented engineers, product managers, and marketers who can reinforce our teams. The company also confirmed to AIN.UA that they want to hire preferably in Ukraine: Team in UkraineĪfter the deal, the Ukrainian company plans to extend the personnel and hire workers for Depositphotos and VistaCreate, or other VistaPrint products if needed. If you will make a wrong decision, the risk of loss is too high,” Sergeev said. In my opinion, it looks like a perfect theoretical business scenario of the fusion with a large player to win the market together. I believe that VistaPrint will empower Depositphotos and Crello accordingly. “Apart from the profit, my personal motivation is to give the team and the product a chance not only to solidify their market share but also transform into a competitive product within the short period of time and become a market leader. The Depositphotos team sees here a possibility to strengthen their market share:.For that purpose, they purchased a designer marketplace in October 2020 and recently bought Depositphotos. During that transformation, VistaPrint will develop the full-stack design. For VistaPrint, this deal is a part of their $250-million transformation plan.But because of waiting for the Ukrainian Anti-Monopoly Committee’s approval, it happened a bit later, on October 1, 2021. The deal was planned to be closed in autumn 2021. There was only one offline meeting in Kyiv with European and American representatives of VistaPrint. The negotiations, due diligence, and closing of the deal took several months - almost all procedures have been done remotely. Now the ex-manager of Depositphotos, Vadym Nekhai, will join Vista as the VistaCreate (Crello) and Depositphotos VP and continue to lead both teams under the supervision of the Vista International Business President, Florian Baumgartner.Īccording to Dmitry Sergeev, VistaPrint has initiated the deal with Depositphotos.Founder, Dmitriy Sergeev, is leaving the management of the company. ![]() TMT Investments sold its stake in Depositphotos at the beginning of October: 16.7% was sold for $14.3 million.All of them supported my plan and our team, and I gave the investors a chance to quit,” said Dmitry Sergeev, founder of Depositphotos. For the investors, the deal with Cimpress was a real chance to quit the business and make money. The venture business is about discovering the right moment to enter business and then quitting it with profit. ![]() “Some of our investors were with us for a very long time, for example, TMT Investments 10 years, the EBRD 6 years. All former shareholders, including the EBRD and TMT Investments, agreed on the deal:.VistaPrint purchased 100% of Depositphotos, including all its projects, for $85 million: Depositphotos, Crello, Lightfield, Bird In Flight, and WAS. ![]() Terms of the deal between VistaPrint and Depositphotos It has 17 million small business clients, serviced by 29 offices around the world, and employs about 6,000 people. Since then, it has grown into a business with an annual revenue of over $1.4 billion. The company was founded by a French entrepreneur, Robert Keane, back in 1998. Its divisions deal with content for Facebook, Instagram, TikTok, and other social media -developing logos, websites, and other branded materials, and printing all promotional materials: from stickers and packaging to banners. VistaPrint’s main clients are small businesses worldwide, and it has a wide range of design and printing services. It is part of Cimpress, which is listed on the Nasdaq. VistaPrint is a major US-based company in the design and marketing industry. Dmitry Sergeev, Photo: Olha Zakrevska for AIN.UA The acquiring company ![]() ![]() Included 2-track recorder (in-app purchase unlocks up to 8-tracks).Live Mode shows your entire rig at a glance, with all the parameters you need on stage easily accessible. ![]() Expandable with over 150 gear models available from Fender™, Ampeg®, Orange®, Mesa/Boogie®, Slash, Dimebag Darrell, Jimi Hendrix and Brian May.Includes 17 stomps, 8 amps, 10 cabinets and 2 mics.Create guitar & bass rigs with up to 6 stomps, 1 amp and 1 cab with 2 mics.Whether it’s at home, in the studio or on stage, AmpliTube is the dream rig you’ve always wanted, in a device that’s always with you! AmpliTube pairs with iRig Stomp I/O for a powerful all-in-one stage rig, works wirelessly with iRig Blueboard, and supports other MIDI controllers as well.ĪmpliTube also offers innovative ways to play, practice and record with an optional Looper, more drum track loops, a full 8-track recorder and DAW-style studio all available for in-app purchase. Ready to hit the stage? AmpliTube’s Live Mode offers an optimized GUI for live use, with all the settings and controls you need in an easy-to-read format.Ĭontrol your virtual rig just like real gear: change presets, trigger FX, loops and more all right from your feet. You can expand this via a massive library of over 150 amps and stompboxes from top brands like Fender™, Ampeg®, Orange®, Mesa/Boogie®, and many more, or unlock the rigs of your heroes with gear from Slash, Dimebag Darrell, Jimi Hendrix, and Brian May. Plug your instrument into your iPhone with one of IK's interfaces like iRig 2 or iRig HD 2, and get ready to be blown away.ĪmpliTube for iPhone gives you 17 stompbox effects, 8 amplifiers, 10 speaker cabinets and 2 mics, a free Loop Drummer Rock groove pack and a 2-track recorder. Want the ultimate mobile guitar and bass tone studio?ĪmpliTube gives you a massive collection of virtual gear that you can use to practice, play and record with world-class tone anytime and anywhere.īuild your own guitar or bass rig with up to 6 stompbox FX, an amplifier and cabinet with mics. ![]() Only use aluminum hydroxide or magnesium hydroxide based antacids. Mix water and Maalox (which is an anti-acid) in equal doses and have it ready, to treat tear gas.Keep extra bandanas and change yours immediately if it's exposed to tear gas.Beware that prolonged inhalation will irritate lungs. You can keep a soaked bandana with water+vinegar in a plastic bag, to be prepared for tear gas. You for the short period of time you would need to get upwind or reach higher grounds). A bandana or mask cloth and a small bottle of cider vinegar (for tear gas, keep in mind that this should help.If concerned about being identified in photos (by law enforcement, media, and others), make sure any visible tattoos or other identifying marks are covered.Avoid jewelry, and anything that could get pulled or caught in something.Pepper spray and tear gas stick to it and burn. ![]() Avoid wearing lotion or oils on your skin.Use helmets (especially if you have a medical condition).Wear normal shoes to protect your feet in case people start throwing bottles/rocks- do not wear sandals.If you get pepper spray or tear gas in your eyes, remove contacts immediately before rinsing. Wear glasses instead of contacts if at all possible.Tight-fitting swim goggles/tight ski goggles.If you can, wear goggles, long sleeve shirts, long pants, strong shoes that you can run in. When thinking about whether to attend a protest, consider both the impact it can have on yourself and others.Being at a protest can lead to arrest or other legal consequences that can put non-citizens at risk of deportation.Physically attending a protest introduces many risks from physical safety to increased surveillance of you and your community.Determining whether it is safe to attend a protest We can't guarantee that every prevention method will 100% work. Kep in mind that the following tips on tear gas and pepper spray are based on our experiences on the ground and are not official medical adivce. Tear gas exposure can cause confusion, panic, anger, and other psychological effects, This causes your eyes to tear up, your nose to run,Īnd makes it difficult to breathe. The mucous membrane of the eyes, nose, mouth and lungs. Tear gas contains several compounds that, when in contact with air or moisture, irritate To go with a friend or with a small group. Protests can be an overwhelming experience when you are alone, so make sure – when possible – Protest safety, tear gas, and other hacks ✊□ With Hong Kong and Chile protesters, we wanted to extend ours to others. We recognize that our experiences and lived realities are different, but in the same way that we’ve found solidarity Protesters, and activists put together this document as a guide for escalating protests and documenting police abuse. In solidarity with protesters in Minneapolis and other American cities, Lebanese technologists, From Beirut To Minneapolis A protest guide in solidarity |