10/30/2023 0 Comments Ncua equal housing lenderNotably, outstanding junior liens in the credit union industry grew about 34 percent over the last four quarters. Still, over the last few years, credit unions have actively originated first and second liens, including home equity lines of credit. Ultimately, all of this economic churn signals that credit unions must carefully manage their credit risks going forward and consider early intervention to prevent a delinquency from becoming a charge-off or foreclosure." "The reinstatement of federal student loan repayments and rising costs for property and casualty insurance will presumably have an impact on these already strained household finances, and it seems more likely than not that credit union delinquency and charge offs will continue to rise. ![]() And, the inventory of homes available for sale remains very low, as many potential sellers choose not to sell because that could mean much larger mortgage payments for them in the future in moving to a larger, more costly home. On the demand side, home affordability has fallen dramatically during the last few years, with many potential borrowers remaining on the sidelines because they simply can’t afford to buy property. Simultaneously, higher mortgage rates are sharply impacting both the supply and demand sides of the housing market. That’s positive news, and it provides protection for mortgage lenders like you should market economics shift in the short term. The NCUA estimates that between 90 and 95 percent of credit union mortgage borrowers have 20 percent or more equity in their homes. Compared to prior business cycles, especially the 2008 financial crisis, home equity levels also remain quite high, in large part because home values have remained resilient. Mortgage delinquency rates, although rising, additionally remain at relatively low levels. The good news is that, despite inflation and higher interest rates, mortgage performance has stayed relatively solid. If you’re at this conference, you already know that today’s housing market is complicated. These challenges and how they impact credit union performance, and the regulatory environment are the focus of my remarks today. Nevertheless, today we continue to see several hurdles affecting the American consumer’s ability to purchase a home, maintain a balanced household budget and gain fair and equal access to credit. While this market share is small when compared to that of banks and non-bank lenders, credit unions play an important role in fostering home ownership in communities nationwide, especially in rural or underserved areas and communities often overlooked by traditional financial institutions. Today, credit unions hold about 5 percent of all outstanding mortgage debt in the U.S., including a large and growing percentage of second mortgages. In just a few decades, we have seen the credit union system’s presence in the mortgage market grow significantly. Home ownership builds intergenerational wealth and contributes to strong and vibrant communities. And, thank you, Peter, for the kind introduction as well as to the American Credit Union Mortgage Association for inviting me.Īll of us here understand that owning a home is a fundamental component of the American Dream. As Prepared for Delivery on October 4, 2023
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10/30/2023 0 Comments Neheme nh525![]() its brilliant.NEHEME NH525 Drone specifications: Specification overall though, for the price, this is superb, and id recommend it to anyone of any age looking to fly their first drone. I would have liked some aaa batteries included so that I could test it straight out of the box. The only negative I have is the remote batteries. the controls are simple, and the included batteries charge quickly and give you a small run time to enjoy between charges. for my first drone, im over the moon with it. people watching me fly it think I'm a professional. at the touch of a button is flips itself over, and its really easy and effective. another great feature of this drone is the ability to do flip tricks. you can also alter the speed, or use headless mode which lets you rotate it 360 degrees. the controls are basic, and not overly complicated, and there are buttons for up and down and one for turning. The drone is light, but it looks great, and it has led lights around the edges which not only add to the aesthetic but also inform of you which way is forward. For the money, this is a well made and quite nifty little thing. you simply press a couple of buttons, wait for the lights to stop flashing and away you go. The remote turns on and a red light indicates that it's ready to go. so, I had to wait a couple of days until I could get some batteries, and then I was able to test it. I did think one of the rechargeable batteries was for the remote, but obviously I was mistaken. Before I could fly it though, I was a little disappointed to find that the remote control requires 3 aaa batteries, and I didn't have any. The instruction booklet is easy to follow and you can get set up and ready to fly in minutes. ![]() The drone is tiny and fits in the palm of your hand, and the remote is around the same size. This little gadget comes neatly packaged, and included two batteries for the drone, and a cable to charge them. However, to introduce me to the world of drones, I thought id be better off starting small, and learn the ropes without damaging my home or anyone in it. I have wanted a drone for a very long time, especially one of those big ones with a camera on it. At 29.99 (July ‘21) and currently with a 10% off voucher bringing it to ?26.99 I find this a great buy, mainly because it is so easy to use and delivers a usable flying toy for all ages. It is very small so I wouldn’t use it outdoors but it’s so controllable you’ll have no problems indoors with this. This makes it brilliant for kids or amateurs. It is the easiest flying toy I’ve used, I usually crash until I get a feel for it but this one you can literally start flying it straight away. ![]() If you press the left stick forward once the drone starts up but remains on the ground, press that stick forward once more and up it goes. I had no problems pairing the drone and controller. ![]() You also need to fit x3 AAA batteries (not supplied) in the remote control. They actually provide two but play time is only 6-7 minutes per battery. To get started you need to charge the battery provided for the drone. This little drone comes nicely presented and would make a nice gift. I have now passed it on to my kids who have been using almost daily which the NH525 is holding up to their abuse. When folded up its a nice size to put in a bag and transport without taking up too much room. I am very impressed with this drone and found it was very easy to get airborne and fly. I did like that you can zoom in with the cameras 50X zoom and the WIFI connection did seem to be stable within a reasonable distance. The photos were decent and the video is what you expect from drones in this price range. The advertised flight time is up to 10-11 minutes which usually means if you fly aggressively in high speed rates you can expect 1/2 the flight time, however I was able to get over 12 minutes flying in highest speed rate which generally is unheard of with drones that use 1s batteries I tested all functions including return to home, headless mode, flips. The thing that impressed me the most about this drone was the flight time. 10/30/2023 0 Comments Hidden gems in orlando![]() This is the perfect reprieve from a crowded theme park. After touching back down on Earth, head over to Westgate Cocoa Beach Pier where you can dine, shop, fish, surf, and enjoy live music. Astronaut Hall of Fame, learn about the unsung heroes of Apollo, chat with real astronauts, and so much more. Plan your trip accordingly and you may even get to see a rocket launch! Explore the U.S. While not necessarily a hidden gem in Orlando, the Kennedy Space Center Visitor Complex is a great place to start your day on Florida’s Space Coast. Wild Florida Airboats: 3301 Lake Cypress Rd., Kenansville, FL Kennedy Space Center Visitor Complex and Space Coast You may even be able to spot some gators! Certain airboat tour companies, including Wild Florida Airboats, are paired with wildlife parks where you can experience even more animals, enjoy drive through safaris, and explore the gator parks. You’ll have an unforgettable time spotting native flora and fauna. This provides plenty of wetlands to explore and makes it an ideal hidden gem to enjoy. Take a ride on the wild side with an airboat tour! You may only think of taking airboat tours in the Everglades, but the Everglades headwaters are right near Orlando. You’ll definitely keep coming back for more! Airboat Tours ![]() ![]() From airboat tours to auto museums to exploring natural springs, there are so many more attractions and adventures to experience. When you’re visiting Orlando, chances are you’re planning on visiting Disney World, and you certainly should! You should also take time to get away from the crowds and explore some of Orlando’s hidden gems. With practical effects, extraordinary stunt performers and technology so sophisticated it blows your mind a little The Bourne Stuntacular really is a must do.Off the Beaten Path: Hidden Gems in Orlando The show is filled with pretty amazing technology, a huge screen and massive set pieces that are powered by trackless innovation, the Bourne Stuntacular definitely has the "wow" factor. With the help of Nicky Parsons (Julia Styles) he fights his way through Tangier, Washington D.C. The show takes you into the world of Jason Bourne as he attempts to find classified information across three different continents. Located in the corner of the Hollywood area of the park, The Bourne Stuntacular is a must see show. The Bourne Stuntacular Universal Orlando Resortĭespite being one of the newest attractions at Universal Studios Florida, The Bourne Stuntacular might fly under you radar. Here's our 7 hidden gems at Universal Orlando Resort. We've come up with a list of 7 different things that next time you take a trip to Universal Orlando Resort should be on your "must-do" list. We're here to show you how good these attractions really are. Perhaps you've walked past and not noticed them, other things you might have thought just wouldn't be very fun. To celebrate we're taking a look at some of the best things at Universal Studios Florida and Islands of Adventure that are perhaps overlooked and really shouldn't be! Attractions and shows that we know are awesome and not enough people are talking about how amazing they are. 10/30/2023 0 Comments Kirkland protein drink
10/30/2023 0 Comments Lake turnover in northeast ohioThis form is specifically for Advocacy Services and will be directed to the Director of Student Advocacy for follow-up. Staff/Faculty: To refer a student, click here. If you have questions and do not need immediate assistance feel free to send an e-mail to we will be posting resources we find on our Facebook page, so be sure to like/follow us Resources Guide Lake turnover is a phenomenon whereby the entire volume of water in a lake is mixed by wind. Were expanding the YouTube Partner Program (YPP) to more creators with earlier access to fan funding and Shopping features. Your personal information will be secure, confidential, and the staff will be in a private room. We will continue to offer counseling and case management appointments through Zoom or in person if requested. To schedule these services please contact the Advocacy Center helpline at (210) 486-1111. UH Cleveland Medical Center building University Hospitals Cleveland Medical. For fishing maps and more information about crappie fishing in central Ohio, call the Wildlife District One offices at 61 or visit . Case Western Reserve University - University Hospitals Anesthesiology Residency. The 5800-acre lake is located in northwest Logan County. The SAC Advocacy Resource Room Powered by Whataburger and Magic Closet are available by appointment. Indian Lake ranks second in the District in terms of large crappies available, according to the survey results. This process is known as convection, and it happens in all lakes on a regular basis. Find waterfront land for sale in Northeast Ohio including buildable waterfront lots, properties with water access, and land with ponds. Depending upon the lake or reservoir, it is also possible for some waters to experience additional turnovers between these periods if conditions are just right. It occurs when the warmer, lighter water at the surface of the lake mixes with the colder, denser water at the bottom. Lakes and reservoirs in Ohio usually have two turnover periods, one in the fall and another in the spring. Planning a weekend getaway with wife next Saturday, Sunday. ![]() The Student Advocacy Center grab-and-go snacks/drinks are available daily to students at the center. According to National Geographic, lake turnover is the process by which a body of water renews itself. Looking for information on Leesville Lake, fishing and water quality. 10/30/2023 0 Comments Parallels desktop 17 mac torrentPaste the “Crack” folder to “Downloads” folder.Copy “Crack” folder that is located inside Edition.18.1.0.Completely close the program after installation.Please follow these steps and it will work. Wait for a while and the crack will be copied Enter the command after launching the terminalĪfter entering the xattr -cr command, move one space and drag the entire.Move only crack folder to desktop screen.System Preferences > Privacy & Security > App Management > Click the Plus button.Close the program after installing Parallels.Enter your computer admin password if prompted.That’s all. Drag “install.sh” again then hit enter. ![]() Open Terminal and type chmod +x /, hit space then drag the “install.sh” then hit enter.Go to /Applications/Parallels Desktop.app/Contents/MacOS/Parallels Service.app/Contents/MacOS and copy, paste “prl_disp_service” from the Crack folder. ![]() Go System Settings > Privacy & Security > App Management and enable Terminal.Instructions for crack that’ll work 100%! ![]() install.sh– enter your password into the terminal (it wont show as you type it but it is recognizing the input)– click enter– ?– profit Works perfectly on Mac Studio (M1 Ultra) – Ventura 13.0.– Just download– Open terminal– drag to terminal and press enter– then use the command chmod +x. install.sh then press enter and enter the password of your computer, the one you use to login after its done just close terminal and turn back on you wifiĭont forget there’s a space after the “cd” and a space after you drag the crack folder Turn off your wifi or unplug your network cableinstall the new version, no need to uninstall the old oneafter install, open terminal and type: cd (drag the crack folder in the terminal) and copy and paste this command:chmod +x.
10/30/2023 0 Comments Epsxe 1.9.25 bios![]() Games that do not necessarily run properly, or even start at all, can be fixed and played via the use of ePSXe patch files in. Games can be loaded from the computer's CD drive or from one of many types of CD images directly from the user's hard drive.Ī patching feature allows the user to apply game patches. FeaturesĮPSXe was one of the early emulators to make use of plug-ins to emulate GPU, SPU (sound), and CD-ROM drive functions, a model first established in PSEmu Pro. This version was released on November 9, 2012. Īfter another hiatus, the developers came back on August 30, 2012, announcing the release of ePSXe for Android, as well as stating that ePSXe for Windows was in testing of version 1.8.0. ![]() On May 24, 2008, ePSXe version 1.7.0 was released. However, on April 5, 2008, the developers of ePSXe made a public statement revealing that in the summer of 2007, they had decided to continue development of the emulator, due to encouragement from users. ![]() Īfter ePSXe 1.6.0 was released on August 5, 2003, its development seemed to halt, with speculation that the source code had been lost due to a hard disk failure. When released on October 14, 2000, ePSXe was a revolution in the Playstation emulation scene, boasting higher compatibility and performance than other emulators of the system at the time. For half a year, ePSXe was developed in private, with part of this initial development being carried out by _Demo_, previously known for his work on the Super Nintendo emulator ZSNES. 10/30/2023 0 Comments Pmi calculator coloradoThe goal for children and adolescents with overweight and obesity is to reduce the rate of weight gain while allowing normal growth and development. Adults with overweight or obesity are at higher risk for health complications related to obesity, such as high blood pressure, diabetes, and high cholesterol. The PDF of that publication is free to download.Ĭhildren with obesity are likely to have a high BMI in adulthood. Please see external icon for more information concerning children with very high BMIs. Based on the entered weight and height, this child has a BMI that is % of the 95th percentile (the cut point for obesity). Children and teens should NOT be placed on a weight reduction diet without the consultation of a healthcare provider.īecause BMI percentiles are problematic when they approach 100, one alternative is to express the child's BMI as a percentage of the 95th percentile. Maintaining a healthy weight throughout childhood and adolescence may reduce the risk of becoming overweight or obese as an adult.Īlthough the child does not currently have obesity, this child has the potential for becoming obese so it is important to prevent excess weight gain. For example, a BMI-for-age percentile of 65 means that the child’s weight is greater than that of 65% of other children of the same age and sex.īased on the height and weight entered, the BMI is, placing the BMI-for-age at percentile for s aged. Has obesity, equal to or greater than the 95th percentile What does this mean?īMI is calculated using your child’s weight and height and is then used to find the corresponding BMI-for-age percentile for your child’s age and sex.īMI-for-age percentile shows how your child’s weight compares to that of other children of the same age and sex. Overweight, 85th to less than the 95th percentile Healthy weight, 5th percentile up to the 85th percentile ![]() Talk to the professionals at Ent to learn more about the home-buying process to prepare for the next chapter of your life.Underweight, less than the 5th percentile If your mortgage payment is more than 50% of your earnings, you can easily fall further into debt if you lose your job or have a high cost of living. When estimating how much you can afford, remember that your living costs shouldn’t account for more than 50% of your take-home pay. Use this tool to determine how much home you can afford based on your budget. Ent is here to help you prepare your own home. For a more accurate estimate of how much you can borrow, you should speak with a lender or use a mortgage calculator that factors your income, expenses, and other financial information.īuying a house will likely be one of the biggest financial decisions of your life, and it shouldn’t be made lightly. However, this can vary depending on your financial circumstances and the lender's criteria. Generally, financial experts suggest borrowing no more than three to five times your annual income for a mortgage. Once you pay off the mortgage in full after a certain number of years, you will own the home outright.Įnter the following information to get started: Pay your mortgage on time every month to avoid compound interest and late fees. ![]() Your monthly payment goes towards the principal balance on your mortgage and the interest accrued during the last billing period. If you are pre-approved for a mortgage loan, use the Ent Mortgage Payment Calculator to estimate your monthly mortgage payment to figure out how much you need to pay every month. ![]() Ultimately, the best way to understand what is right for you is to talk to a licensed loan officer who can help you explore and understand what is right for you. Various loan programs are available, offering a range of options for different situations. The primary factors to consider when determining how much you can afford to spend on a home include your income and monthly debt obligations (car payments, student loans, credit cards, etc.), how much money you have for a down payment and your specific financial goals. 10/30/2023 0 Comments Lunar new year animals 1986![]() Opt for Galactic Blue, as blue is one of the lucky colours for those born under the sign of the Rabbit.īirth years: 1928, 1940, 1952, 1964, 1976, 1988, 2000, 2012ĭragons are outgoing, energetic and gregarious. It’s has Toyota’s most advanced multimedia system yet. ![]() Yaris Cross is a compact SUV, with a high-riding driving position that’s nippy enough to keep up with a busy life, while large enough to accommodate family and friends in comfort. But while they are gentle, considerate and quiet (unless provoked), they also like to move fast. Rabbits are well-liked and friendly, with a large social network. ![]() GR86 has a lightweight, horizontally opposed 2.4-litre four-cylinder engine, so it’s always ready to pounce – just like a tiger. This coupe embodies the design and spirit of Toyota’s motorsports expertise. They are also charismatic and charming, and always chasing the next thrill, so they need a car that’s agile, powerful and dynamic, like the all-new GR86. People born under the sign of the Tiger are natural leaders, but are also fiercely independent and unafraid to forge their own path. This year Chinese New Year falls today (1 February), marking the start of the year of the Tiger, and to celebrate this, Toyota has come up with suggestions for which of its models best suits each Chinese zodiac sign:īirth years: 1926, 1938, 1950, 1962, 1974, 1986, 1998, 2010, 2022 Each animal has its own reputed characteristics. Toyota UK Hybrid Vehicle Sales (2000-2023)Īre you a dragon, a rooster, a pig or a rat? The Chinese zodiac, or shengxiao, assigns one of 12 different animals to each birth year, based on the lunar calendar.Toyota Commercial Vehicle Sales (1972-2023).Toyota Passenger Vehicle Sales (1965-2023). 10/29/2023 0 Comments Fossil fuels carbon cycle![]() ![]() One of the key ideas you should have taken from the Carbon Cycle Prezi, provided you have seen it, is that in any matter cycle, the substance at the heart of that cycle (e.g., water, nitrogen, and carbon) is converted to different physical and chemical forms and moved from one part of the Earth to another. This is a more open- ended question where we will be more interested in the ideas that you propose and the justification (‘I think this because. There is not one certain answer to a question of this type. A question like this will ask you to speculate about why something is the way it is, for instance. Hypothesis-based question → This will be a question which will require you to stretch your mind little bit. There is still an expectation that your answer will match up to a certain response, but you should feel comfortable in expressing your understanding of how these different ideas fit together. Synthesis-based question → This will be a question that will require you to pull together ideas from different places in order to give a complete answer. There is more of an expectation of you providing a certain answer for a question of this type as compared to questions of the other types. That answer will be based on information (1) presented by your instructor, (2) found in background sections, or (3) determined by you from data, graphs, pictures, etc. Those questions will come in three different varieties:įact-based question →This will be a question with a rather clear-cut answer. Throughout this lab you will be asked to answer some questions. That is because the lab also is focused on how human activity can influence those processes – and potentially influence the weather and climate on the planet. This lab is concerned with the different processes comprising the carbon cycle, but its importance goes beyond just becoming familiar with the various ways that carbon is transformed and transported around the globe. As you have hopefully deduced by looking at the title of the lab, the name of the cycle is the carbon cycle. Carbon is constantly being moved around the Earth through the processes that make up the Carbon Cycle. You will see in later labs just how important this relatively small concentration of CO 2 is with expect to Earth’s energy balance, but for now we need to focus on the cycle in which atmospheric CO 2 is involved. You learned in the troposphere lab that carbon dioxide (CO 2) makes up about 0.04% of the atmosphere. This lab has 29 short-answer questions you will answer prior to the three big questions (i.e., research questions) Mila has noted above. Mila is going to introduce the carbon cycle, show you how to use Google Earth in this lab, and then end her video by reminding you of the three main questions you should be able to answer at the end of the lab. Before beginning the lab, please watch the short video below. |
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