![]() Nor can you use the program if you own other properties. You can’t use the program to buy a second home or an investment property. This includes single-family homes and units in condos, co-ops, and other mixed-use buildings. You can only use the NACA purchase program to buy an owner-occupied primary residence. You must keep this money in savings throughout closing. NACA will require that you save an extra $300 every month (for a minimum of 3 to 6 months) before you’re qualified. Let’s say you pay $1,000 per month for rent, but your new mortgage payment will be $1,300 per month. If your new mortgage payment exceeds your current rent, you’re required to maintain a “payment shock” savings to compensate for the payment difference. This is known as your debt-to-income ratio or DTI.Īlso, NACA limits borrowers’ mortgage payments to 31 percent of their gross monthly income.įor instance, if your pre-tax monthly income is $4,000, your monthly mortgage payment would have to be $1,240 or less to be eligible for the NACA program. Debt-to-income ratioĪs a general rule of thumb, your total monthly debt payments - including your future mortgage payment - shouldn’t exceed 40 to 43 percent of your gross monthly income. In 2023, the limit for a single-family home is $ in most areas, and $ in high-cost areas. NACA loans cannot exceed the conforming loan limit for an area. NACA is open to people of all income levels, but the program works best for those who earn less than their area’s median income.įor example, borrowers whose incomes exceed the median income for their area can use the program - but only if they’re buying a home in “priority areas.” These are usually low-to-moderate income communities.īuyers who earn less than their local median income can buy a home anywhere in the area. ![]() Most programs for lower-income borrowers set income limits. If your credit score falls short of the typical minimums, NACA’s approach could be invaluable. NACA wants to see you’ve consistently paid your rent and other obligations on time over the last year. Instead, the program examines your payment history over the previous 12 months. NACA, on the other hand, doesn’t rely on credit scores. With most mortgage programs, you typically need a minimum credit score of 580 to 620 to qualify. Not sure whether you need NACA’s guidance? Learning how the program works can help you decide: NACA credit requirements But if you can qualify for an affordable mortgage on your own, you won’t need this extra support. If you need NACA’s help to achieve the American Dream of homeownership, these extra steps will be worthwhile. Instead, you’d need to complete the entire NACA process, join the advocacy group, and work with a counselor who analyzes your personal finances. The catch? You can’t walk into a bank, or contact an online lender, and ask for a NACA loan. This helps lower their monthly mortgage payments and make homeownership more affordable.īuying a home with no down payment or closing costs probably sounds like a pretty good deal. NACA members also pay below-market mortgage rates. The program is unique from other mortgage programs because borrowers can buy a home with: ![]() The NACA Best in America Mortgage seeks to help people overcome these, and other, barriers to homeownership. ![]() You might also pay higher interest rates when you have a low credit score. Then, there’s the extra cost of private mortgage insurance. Here’s what you should know.Įven when you’re buying a modestly priced home - one with a purchase price of $200,000 or so - you may still need $12,000 or more for the down payment and closing costs. This nonprofit advocacy group has helped thousands of families buy homes. And borrower requirements - like credit score and income thresholds - are very lenient. The Neighborhood Assistance Corporation of America (NACA) helps remove some of the obstacles to homeownership for borrowers in need through its NACA program.Ī NACA mortgage requires no down payment or closing costs. Febru10 min read What is the NACA program? ![]()
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![]() ![]() In contrast to previous work, MoSh solves for the Gether using sparse marker data by exploiting a parametric model of MoSh (Motion andShape capture), that automatically extracts thisĭetail from mocap data. We argue that important informationĪbout body surface motion is present in standard marker sets but is ![]() Marker-based motion capture (mocap) is widely criticized as pro-ĭucing lifeless animations. Level of realism that is difficult to achieve with standard skeleton-based mocap methods. MoSh needs only sparse mocap marker data to create animations (purple posed bodies) with a Split-color bodies compare the shapeĮstimated from sparse markers with scans. Bodies in purple are estimatedįrom 67 mocap markers, while scans in green are captured with a high-resolution 3D body scanner. Black‡ Max Planck Institute for Intelligent Systems, Tubingen, Germany ̈įigure 1: Shape from mocap computes body shape and pose from standard mocap marker sets. MoSh: Motion and Shape Capture from Sparse Markers Matthew Loper∗ Naureen Mahmood† Michael J.
![]() ![]() ![]() Even though it offers a free version, it can force you to purchase the full version due to the extremely limited features that you can experience on the trial edition. This will enable you to play location-based AR games more extensively, enjoy more dating matches, etc. Contributors provide an express grant of patent rights. MockGo is a secured solution that allows you to safely bypass geo-restrictions which will empower you to hide or fake your current location. A permissive license whose main conditions require preservation of copyright and license notices. 2 Crack is named the best and most amazing GPS spoofing software. In the address bar, type in the address that you want to be teleported to, then click Go. Download and install MockGo iPhone GPS spoofer onto your computer now to spoof the GPS. From there, you can adjust the speed or stop the movement to act naturally. To use the teleport feature of MockGo, click on the button called Teleport Mode. Afterward, you'll choose the virtual destination that you wish to simulate. Just connect your device to any macOS or Windows system and then select your desired mode. Moreover, it authorizes you to collect locations, and routes by simply adding them to your ‘Favorite list.’ You can change the GPS position simultaneously for up to five Apple devices. ![]() For instance, you can make your 3.6km/h cycling, or driving speed slow down to 36km/h. It gives you the capability to customize the movement speed. This will help you have a great overview of the route and replicate the same path with just one click. How to get the license key Instructions On the MockGo giveaway page, enter a valid name and email address in the fields provided then click on the Get License button. To mimic the GPX track with more ease, it authorizes you to import a GPX file from your computer to this application. This company is registered at Registrar of mock go live definition. The movement even looks more natural when used with the joystick feature which permits you to go to the exact location you want. a quarterly license costs 19.95, an annual license costs 39.95. Licensed works, modifications, and larger works may be distributed under different terms and without source code. A short and simple permissive license with conditions only requiring preservation of copyright and license notices. Through the seamless simulated GPS movement that it provides, you'll be able to move along real roads and paths. Simulate GPS Movement Along a Specified Route and at a Specified Speed. koron/mockgo is licensed under the MIT License. MockGo enables you to instantly teleport the GPS location of your Apple device to any part of the world you desire. ![]() ![]() ![]() You can sell inside of WhatsAppĭid you know you can sell natively within WhatsApp? Its Cart feature offers convenience for both you and your customers. For many businesses, that’s way more than they can ever claim about their email marketing strategy. Much like an email list, WhatsApp Business lets you create distribution lists to which you can send broadcasts about new offers, discounts, or special holiday offers.Ĭonsider that users open about 90% of text messages within three minutes of receiving them. WhatsApp’s tools let you organize your contacts with labels and use filters to find interactions faster. If you have substantial customer support messages coming in, you don’t have to worry about things getting messy. This saves time and keeps your customer service operations more efficient. The app allows you to create predetermined quick replies to act as answer templates to some of your customers’ top frequently asked questions. You won’t have to spend all your time on the app answering incoming customer messages either. Active WhatsApp users see any instant messaging or greeting message sent by you in their notifications. WhatsApp makes instant communication possible by treating your business messages like any other text conversation. Gone are the days when customers had to wait days to get a response back from a brand’s customer support team through email-or worse, having to stay on hold on a phone call forever. WhatsApp enables businesses and customers to interact in real-time, like friends. Engage in two-way conversationsĬonnecting with customers and keeping them engaged is critical for achieving your business goals. And yes, all these features are free for small businesses to use at any time-which means you can potentially set up a lucrative new sales channel with no additional costs. No need to limit yourself to plain text messages and risk missing out on better ways to improve customer engagement.Īs you set up your business profile, you’ll also receive a second phone number through which your customers can contact you. This enables brands to have creative freedom with conversations and engage customers with a more personalized approach. WhatsApp also allows users to share multimedia content through the app, just you would with friends. It also includes a checkmark badge that lets customers know you’re the real deal. ![]() Your business profile lets you create a branded business identity. Plus, WhatsApp Business enables you to create a business profile with all your important business information so your customers will always know how to reach you, what you sell, and exactly how you help them. Whether they need faster customer support help or they want to look through your product catalog while messaging their friends, your customers will love that you’re on WhatsApp. WhatsApp Business helps you stay as connected with your customers as you can get-any closer, and you’d be hand delivering products right into their arms. When you’re thinking about customer relationships and strategy, consider how WhatsApp can help you step up your marketing game, like by building improved relationships. In its quest to create a more streamlined shopper experience on its platform, WhatsApp recently enabled payment transactions in two of its biggest markets- Brazil and India. It’s easy to onboard your business, verify ownership, and upload your business catalog within minutes. For starters, the app launched WhatsApp Business in 2018 to cater specifically to small business owners. Let’s set the foundation by explaining the WhatsApp ecosystem. But how can your business take advantage of WhatsApp’s rapidly growing audience? Sure, 69% of people that use the internet around the world use WhatsApp. ![]() ![]() She said that she knew she was a transgender person at the age of four, after watching another boy being forced to wear a dress by her sisters, and knew she wanted to be an actress at the age of seven. Following her mother's death, Izzard attended boarding schools such as St John's School in Porthcawl, Mid Glamorgan, as well as St Bede's Prep School and Eastbourne College. She and her brother built a model railway to occupy their time while their mother was ill (it was donated to Bexhill Museum in 2016). Izzard's mother died of cancer when Izzard was six and her brother, Mark, was eight. The family then moved to Wales, where they lived in Skewen, West Glamorgan. When Izzard was one year old, the family moved to Northern Ireland, settling in Bangor, County Down and living there until Izzard was five. Her mother was a midwife and nurse, while her father was an accountant who was working in Aden with British Petroleum at the time of Izzard's birth. The family name is of French Huguenot origin. 2.2 Theatrical, TV and film appearancesĮdward John Izzard was born on 7 February 1962 in the Colony of Aden, the younger son of English parents Dorothy Ella and Harold John Michael Izzard.She twice attempted to be elected for a seat on Labour's National Executive Committee, and when Christine Shawcroft resigned in March 2018, she automatically took her place. Izzard has campaigned for various causes and has been a Labour party activist for most of her life. Izzard is openly "a straight transvestite" having cross dressed both on and offstage. ![]() Izzard's website won the Yahoo People's Choice Award and earned the Webby Award. She has won numerous awards including a Primetime Emmy Award for Individual Performance in a Variety or Music Programme for his comedy special Dress to Kill, in 2000. In 2009, she completed 43 marathons in 51 days for Sport Relief despite having no prior history of long-distance running. Izzard has cited her main comedy role model as Monty Python, and John Cleese once referred to her as the "Lost Python". She has also worked as a voice actor in The Wild, Igor, The Chronicles of Narnia: Prince Caspian, Cars 2 and The Lego Batman Movie. She had a starring role in the television series The Riches as Wayne Malloy and has appeared in films such as Ocean's Twelve, Ocean's Thirteen, Mystery Men, Shadow of the Vampire, The Cat's Meow, Across the Universe, Valkyrie and Victoria & Abdul. ![]() Her comedic style takes the form of rambling, whimsical monologue, and self-referential pantomime. Lord Voldemort in The Lego Batman Movie Edward John Izzard (/ˈɪzɑːrd/ born 7 February 1962) is an English stand-up comedian, actress, writer and political activist. ![]() ![]() ![]() Most golf courses allow you to drive the golf cart on the fairway. Riding on a cart while you play can help speed up the game while walking takes much longer and can make for a more physically challenging round. Try to make up aįew minutes on each hole and, before you know it, your group will catch up with the play in front.” Walking vs Riding Golf Carts Gone, and there is a group waiting behind you, you are probably slowing down. If you know the golf course is busy and notice the group in front of you is “It all depends on you and your ability, but a simple thing everyone can do is keep up with the So what is a good pace of play? Our Head Golf Pro, Marshall Scott has given us the answer: Slow play can cause a round to take longer, while quick play can help speed up the game. This refers to the speed at which a group of golfers completes each hole. One of the biggest factors that affects the length of a round of golf is the pace of play. ![]() Conversely, a longer or more difficult course can take significantly longer to complete. Playing an easier or shorter course allows you to play the round faster and more efficiently. The course difficulty is another factor that will influence the speed of your round. Additionally, playing with a larger group can be more chaotic and disorganized than playing with fewer players, which can also lead to delays in play. Obviously, playing with multiple players will slow down your play speed, as you will have to wait for each player to make their shot before moving on to the next hole. Finally, having the right equipment and being prepared. The course difficulty and weather conditions can also have an effect on the time it takes to complete a round. Additionally, inexperienced players tend to take longer on each hole than experienced players. The number of players in your group is one of the biggest factors, as it will slow down the pace of play. There are several factors that can affect how long your golf round will take. A round on a par 3 course can take anywhere from an hour to an hour and a half to complete. These courses typically have holes that are shorter in length and take less time to play. How Long Does it Take to Play a Par 3 Courseįor those who are looking for an even shorter option, a par 3 course may be the way to go. This format is also great for those who are just starting out and want to get a feel for the game before tackling a full 18-hole round. A 9-hole round typically takes around 2 to 2.5 hours to complete, making it a convenient choice for golfers with limited time. ![]() How Long Does it Take to Play a 9-Hole Roundįor those who are short on time or simply prefer a shorter round, a 9-hole round is an excellent option. The length of the round can vary depending on several factors such as the number of players in your group, the skill level of the players, the course difficulty, and the weather conditions. This is the most common format for golfers and is the standard for most golf courses. How Long Does it Take to Play an 18-Hole RoundĪ standard 18-hole round of golf can take anywhere from 4 to 5 hours to complete. ![]() ![]() (Cutting grooves in a single board would compromise its strength.) The rough ply edges are hidden by solid-wood finish trim. Illustration by Gregory Nemec How Do You Make a Strong Bookshelf?įor the strongest frame, we used oak plywood and doubled its thickness for the bookcase sides, or legs, by gluing and nailing plywood shelf supports onto longer boards. ![]() For these, it’s best to use a clear finish and let the beauty of the wood shine through. But there are also special-order lumberyards that make veneer plywood from any kind of wood, including mahogany, teak, cherry, or walnut. Birch is the best wood to use if you plan to paint your bookcase, and maple lends itself to a variety of stains. Most lumberyards stock the basics: birch, maple, and oak veneer plywoods. Plywood that has a hardwood veneer is not only less expensive but in many cases stronger than solid softwoods like pine. But sawn lumber is expensive - enough oak for a 8-foot bookcase, for example, could run into thousands of dollars. Traditionally, built-in bookcases are made with solid wood boards, carefully routed to make tight grooves that accept each shelf. What Kind of Wood Should I Use to Make a Bookshelf? Some solid-wood trim covering all the plywood edges hides your clever trickery, leaving you with a piece of furniture worthy of a great library. ![]() By laminating a series of short support pieces to a longer strip of wood you can create the appearance of thick boards that have been routed to accept shelves. All it takes, essentially, is some sturdy veneer plywood and a circular saw. If your books and photographs are still displayed on a couple of boards held up by a pile of bricks, here’s some good news: It doesn’t require a master carpenter, a workshop full of tools, and thousands of dollars to add built-in bookcases to your home. ![]() ![]() Do let us know if you come across other methods to mount Amazon S3 in your Finder. You can now access Google Drive as a virtual drive from within any application on your Mac or PC. There used to be an S3FS Fuse module that you could use for free, but it has not been updated and is no longer compatible with Mac OS X. There are many apps that allow you to connect to Amazon S3, but to mount it in Finder, the above two apps will do the job well. Transmit comes with a 7-day free trial and its license key costs $34. ![]() Unlike ExpanDrive which mounts Amazon S3 like an external drive, Transmit mounts Amazon S3 as a folder in the “Computer” directory. Open remote files with any application and work like on a local volume. Mountain Duck lets you mount server and cloud storage as a disk in Finder on macOS and the File Explorer on Windows. Amazon S3 will now show up in your Finder. Cyberduck for mounting volumes in the file explorer. ![]() This is the first major update to our Windows client ever and finally unifies our Mac and Windows products. We’re very happy to announce that we’re now publicly testing and will soon be releasing ExpanDrive v2 for Windows. On the right panel, select “S3” at the top and enter your Access key and secret.Ĭlick the “Mount as Disk” button. Second is ExpanDrive which is in beta, with 2.0 version for Windows. It also comes with a lesser known disk feature that can mount Amazon S3 to the Finder, and it works even when Transmit is not running.ĭownload and install Transmit in your Mac. Transmit is more well-known as a file transfer application for FTP, SFTP server, Amazon S3 and WebDav. Use Transmit to mount Amazon S3Īnother app that we can use is the popular Transmit app. You should now see your Amazon S3 folder in Finder.ĮxpanDrive costs $49.95, but you can use the free trial for 14 days. Remember to click “More Option” and check the box next to “Reconnect at login.”Ĭlick Connect. Click on it to reveal all the cloud storage services that it supports.Ĭlick on “Amazon S3” and enter the Access Key and secret. After the installation, you should find an icon in the menu bar. To get started, download ExpanDrive and install it to your Mac. ExpanDrive supports a variety of cloud storage services, such as Dropbox, Amazon S3, Google Drive, etc., and unlike other cloud applications that act as a standalone file transfer tool, ExpanDrive integrates with Finder and it is just like a USB drive connected to your Mac. Use ExpanDrive to mount Amazon S3ĮxpanDrive, as its name implies, expands your hard drive to support cloud storage. ExpanDrive for Mac and Windows is a Fast Network Drive for Cloud Storage SFTP, OneDrive, Sharepoint, Box, WebDAV, Dropbox, Google Drive and more. They are not free, but they do come with a free trial so you can test them out and see if you like them. There are a few apps that can mount Amazon S3 in the Finder. ![]() ![]() ![]() ![]() though she moved to LA *boo hiss*) I felt if I was investing, I should go ahead and get the full meat and potatoes (which is why I played around with Maschine). I thought about getting a micro, but after listening to Sarah2Hill (NORTH CAROLINA!. ![]() Only reason I haven't done it was they slapped a $50 price mark-up on the regular Maschine, and I felt "attacked" I refuse to pay $650 for something they were selling for $600. I could do it, but buying even a Micro feels worth the price for drums, especially since I used Battery so much these days. I started looking at the Maschine (dammit it is not a typo, stop underlining it Windows) when I got real hot and heavy into Komplete, my S61 has the two screens for navigating the VSTs in Kontrol, but I absolutely, positively, HATE playing drums out on a keyboard, its like two steps better than banging my head on the floor for drum sounds, so it was feeling kind of weird navigating back and forth in my setup between browsing with my S61 on the left, then looking to the middle/in front of me where the Push is to play in drums with no scales on, while guessing what was what as I didn't have the color coding to match. I don't see it on the website *strange* - just the Maschine Drum Selection, but yeah I have Komplete 9U, 12UCE, a S49, and a S61mk2 (and DJ stuff) - and I'm positive that I got Maschine with 12UCE.I doubt it was through my S61mk2, and I didnt buy it separately. I believe the MK3 works in KK (software) like the KK S works in Maschine (software). The one benefit would be easier interaction with my NKS drum & percussion VIs in my DAW. On rare occasions, I do travel with my Live, and I'm trying to dedicate myself to Studio One, so I doubt I'd go with an MK3. Being a heavy Kontakt/KK user and having since ditched the MPC software, I sometimes wonder what the KK/Maschine combo would be like. But I was attempting to eliminate a 3rd party DAW, so it must've been something with the software. I forget now what steered me away from Maschine (it wasn't the lack of standalone). ![]() I strongly considered Maschine MK3 before deciding on the MPC. I won't be able to buy it this year but I'm still really looking forward to hearing what Aaron Venture has come up with.Bezo wrote:You got Maschine (software) included with KK? I must've bought too soon. The developer that brought us Orcophany (I literally bought the t-shirt) is worth watching and their recent release schedule suggests that there could be another one this year.įinally, Infinite Strings. Their recent (free) update to Nanfo was substantial and exceptional and the library before that, Hster, had singing in a 5,000 year-old language. This looks really promising to me.Īlso, whatever Karoryfer Samples brings out next. Mntra has just updated their Mndala engine to 2.0, so I'm looking forward to them updating all of their existing libraries and releasing the full version of their first 2.0 library, Huracan (inspired by Aztec culture). Hopefully Soundpaint can find a way to do this that is great for users and also doesn't threaten their profit margins. If we can create our own round robins and velocity layers, every library where we can access the samples directly becomes a potential Soundpaint library. Full user/third-party instrument creation and legato in Soundpaint. ![]() ![]() ![]() Everyone in the Republic, save for her grandmother and Maud Lowry, believe she is dead as a result of the curse. ![]() Jupiter then proceeded to fake her death and whisked her away to Nevermoor, bringing her over the border illegally. Morrigan awaited her demise with dread, only to be rescued by Jupiter North, who was one of four people who bid on her at Bid Day. Nonetheless, she was forced to write letters of apology for these perceived wrongdoings, and was educated by a litany of tutors, who treated her with varying levels of disdain and fear.Įighth Age of the Wintersea Republic, Eleven WinterĮveryone expected Morrigan to die on her twelfth birthday, as most chronologists expected it to be a Twelve-Year Age, but the day before her eleventh birthday, it was discovered that this age would end a year early. Morrigan was blamed for everything that went wrong in town, and while she believed in the curse, she strongly suspected at least some people used her as a scapegoat. Her father and stepmother, Ivy, ignored her at the best of times and offered no consideration for her feelings on the few occasions they did bother to speak to her. The first eleven years of Morrigan's life were largely miserable. Because she was born on Eventide, Morrigan was believed to be cursed not only was she doomed to die at midnight at the end of the Age, cursed children were believed to bring bad luck with them everywhere they went. ![]() Her mother died soon after, and Morrigan never knew her. Morrigan was born to her unnamed mother and her father, Corvus Crow, in Jackalfax, a town in the state of Great Wolfacre in the Wintersea Republic.
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