![]() ![]() Seriously, if you’re only paying your minimum payments, those balances will hang around forever. Throw more money at your debt than just the minimum payment. Use that extra cash to pay off more debt. But don’t just earn more money for the sake of improving your debt-to-income ratio. Anything you can do to earn more income will help lower your DTI. Work on getting rid of the payments you already have. Don’t be tempted to add any more payments to your plate. Taking on more debt will just make your DTI percentage rise (and also your stress level). Here are a few practical tips to lower your debt-to-income ratio:Ī perfect new couch that’s calling your name? That boat you’ve been eyeing for years? Nope. If you want to lower your DTI, you need to decrease your monthly debt or increase your monthly income. You actually have more control over that number than you might think. If looking at your debt-to-income ratio made your blood pressure rise a little, take a breath. And we don’t want that for you! Use our mortgage calculator to make sure you don’t get in over your head. Before you apply for a mortgage loan, a better question to ask is, “How much house can I afford?” When you’re buying a house, it’s easy to get excited and take on more than your budget can actually handle. Generally, lenders prefer your back-end ratio to be below 36%, but some will allow up to 50% when applying for a mortgage.īut wait just a second. What is the debt-to-income ratio to qualify for a mortgage? Lenders typically use the back-end-ratio because it gives a more accurate picture of your average monthly payments. Lenders prefer your max front-end ratio to be 28% or lower, but if you’re following our plan, your total housing costs shouldn’t be more than 25% of your take-home pay.Ī back-end ratio includes your monthly housing costs plus any other monthly debt payments you have, like credit cards, student loans or medical bills. When applying for a mortgage, lenders will look at two different types of DTIs-a front-end ratio and a back-end ratio.Ī front-end ratio only includes your total monthly housing costs-like your rent, mortgage payment, monthly homeowners association fees, property taxes, and homeowner’s insurance. Add in normal living expenses, like groceries and insurance, and there’s not much left over for saving or covering an emergency-and another loan could tip you over the edge. With a DTI ratio over 50%, that means over half of your monthly income is going to pay debt. When your DTI gets to this level, you’re almost too risky for lenders, and you may not be able to get a loan.Īt this point, you’re in the danger zone, and lenders probably won’t lend you money. You won’t necessarily get turned down for another loan, but lenders will proceed with caution. In this range, lenders get nervous that adding another loan payment to your plate might be challenging, especially if an emergency pops up. Lenders view a DTI under 36% as good, meaning they think you can manage your current debt payments and handle taking on an additional loan. The criteria can vary from lender to lender, but here’s a general breakdown of the industry standards: Now that you know how a debt-to-income ratio is calculated, you might be wondering what lenders think of your score. ![]()
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![]() ![]() Online license activation is required with a hardware footprint, and 1 installation per footprint.Transfer of a license to another owned computer is allowed.Each license allows installation on 1 computer.MacReviver is licensed per computer, and not per user.After you purchase MacReviver it may be used for 12 months and will not function after that unless you renew your subscription. ![]() You’re still reading because you want to hear about the anti-theft functions, aren’t you? Well, not only can MacReviver pinpoint the location of your stolen Mac, it can also go as far as taking photos of the person using it! Insane!Īfter you purchase MacReviver, it may be used for 12 months. Even better, MacReviver can identify files that are taking up massive drive space that you don’t really need or use, giving you loads of hard drive space back. With MacReviver, you’ll be able to relive the days when you first booted up your machine right out of the box, or discover new ways to configure your machine to get the most battery life out of it. MacReviver lets you restore performance, manage battery life, recover hard drive space, and track down your hardware when it’s stolen. Today’s discount software promotion addresses both situations – it’s MacReviver! Two, that one day you come home to find your Mac completely gone. One, that your beloved shiny hardware starts getting slow and sluggish, with frequent crashes and diminished battery life. There are two negative situations that you can find yourself in as a Mac owner. ![]() ![]() Have an englishweight anvil? Try this nifty little tool from anvilfire to find out how much it weighs in lbs.ĭictionary from anvilfire for those hard to google terms. When reporting content, you MUST state WHY you reported it.Īny NSFW posts will be reviewed by the mods and may be removed based on our judgement of the value of the content.ĪBANA Forging Fundamentals - a suggested program of study to learn hand forging Obviously this sub is for blacksmithing related topics, so keep posts related to blacksmithing.īlatant advertising and for sale posts are not allowed. Posts without a submission comment from the OP will be removed within 24 hours. Posts of YouTube videos, gifs, or images must include the beginnings of a discussion or a write up in the comments with a minimum of three sentences. Blatant troll posts/comments will be removed. The second phase involves a more mobile force that. It may involve a frontal assault by one part of the force, playing a slower-moving or more static role. Please be considerate to others when posting/commenting. The hammer and anvil is a military tactic involving the use of two primary forces, one to pin down an enemy, and the other to smash or defeat the opponent with an encirclement maneuver. WARNING!!! Read this before attempting any kind of forging. Join it here.īeginner? Read our FAQ and FAQ Discussion, And be sure to check out below. Do your own research to double check if you agree with the opinions stated here before following them. This is a multi-thousand year old trade and much of the information garnered from those times were lost during the industrial revolution. Please remember that any information/tips/tricks you get from this subreddit are not the end-all-be-all of blacksmithing. Feel free to show off your latest creations or get advice on a problem, or anything else related to blacksmithing! Previous winners of our monthly contest! A subreddit devoted to all things blacksmith. ![]() ![]() ![]() ![]() ![]() The Prisoners’ Quarters are characterized by it’s long, blue, torch-lit halls. The blueprint for the Golden Outfit (if not yet turned in to the Collector).The Forgotten Map, which can be used once to reveal the layout of a biome.The Hunter's Grenade, which can be thrown to transform an enemy into an Elite and extract its blueprints.The Specialist's Showroom holds items locked behind golden doors, which must be opened either by paying Gold or breaking them, suffering 50 curses. Access is locked by a button in front of the door, and a teleporter is always found at its end. The Specialist's Showroom is a special shop that always appears in the Prisoners' Quarters once unlocked from the Collector for 150 cells. There are four exits, the Promenade of the Condemned, the Toxic Sewers which requires the Vine Rune, the Dilapidated Arboretum (from The Bad Seed DLC) which requires the Teleportation Rune and Castle's Outskirts RtC. It's possible to exit the Daily Run back into the Prisoners' Quarters. The entrance to the Daily Run is also located here. After a completed or failed run the player will start back here. The Prisoner's Quarters is the starting area of the run. Once one enters the door to the starting weapons area, the current amount of active Boss Stem Cells can’t be changed and Aspects can no longer be selected from The Doctor. The door to the right leads to the starting weapons area. Below the tube is a small room with the doors to the Tailor's room and the Training Room, as well as a tunnel one can roll through to meet The Doctor. Below the bottles is a large glass tube for adjusting the difficulty with Boss Stem Cells. The Scribe is nearby, sitting near the door to the Daily Challenge game mode. In the next room over, large glass flasks for unlocked items hang from chains. Beheaded prisoners are found underneath, either dropped from the chute or executed on the nearby chopping block. ![]() General information Starting area Ī glass chute drips water and muck from the ceiling. 1.4.2 Enemy tier and gear level scaling.Prisoners’ Quarters -> Promenade of the Condemned -> Ramparts -> Insufferable Crypt ->Graveyard ->Caverns -> Guardian's Haven (Just a heads up for later, this is the boss you need to go to get your 5th boss soul, you can't get it from the Hand of the King boss) Here is a copy of the most recent Dead Cells map. (NOTE: you also need all the runes to access the Cavern) Recommended Path: Prisoners’ Quarters -> Toxic Sewers -> Anicent Sewers -> Insufferable Crypt ->Graveyard ->Caverns -> Guardian's Haven You can go this way too, but I think you need 3 boss souls to get from Ramparts to the Crypt. Through the Cavern make your way to the Guardian's Haven exit. Then you need to make your way to the Graveyard where you will find the door to the Caverns. Time it right and make it to the wall under the door/lock. You want to go PAST the door, so you are under then hit the A button to jump. Shoot your green blob thing as far as you can. You need to be able to detach from your body. You see a door over the pit that is locked. Do you know that giant hole you can enter and when you go in there is a big lava pit? That is where the key is. It's actually at the very start of the game. In order to get to the Cavern, you need the cavern key. I order to reach the Giant you need to first enter the Caverns biome then proceed through Guardian's Haven. ![]() ![]() Always send a Money Order from the US Post Office. Mailing a deposit takes more time to process than the other methods but can be done if you live too far away to bring it in person. Option 2 - Mail the Inmate Deposit to the Jail How Do You Deposit Money in an Inmate's Account at the Hennepin County JailĮither the jail personnel will process the Inmate Account payment or you will use a self-serve kiosk in the lobby that accepts cash, debit or Visa and MC credit cards. ![]() Hennepin County Jail Inmate Mail Policies and Address - What Can You Send, and Where?įor inmates receiving mail in the Hennepin County Jail there are different addresses and policies depending on the inmate's status, as well as what type of mail they are receiving personal mail, legal mail, subscriptions or books sent from a third-party such as Amazon.Īll mail, newspapers, magazines and books are to be shipped to the Hennepin County Jail: Inmate's Full Name & Booking # Hennepin County Public Safety Facility 401 South 4th Avenue Minneapolis, MN 55415 For complete information on mail policies, what you can send an inmate and what address to send them, check out our Inmate Mail page. *NOTE* - Once you are fully registered and have selected the inmate you wish to send commissary to, you will receive instructions on how much you can deposit, how much (and what) you can purchase for your inmate, and how often you can send commissary. ![]() They have a very good mix of Chips, Snacks, Candy, Meat, Seafood, Hygiene products, Letter writing materials, Electronics and Apparel items for sale on their website. My CarePack is the Hennepin County Jail's outside vendor for Commissary Items. They will not honor reports of discrepancies from inmate's families or friends. *Note* Access Securepak will issue a refund for or replace broken, damaged, or missing products reported by Hennepin County Jail staff. * You can Live Chat with a Representative online: (bottom left corner of page) * If you have any questions, you can call Access Securepak at 80. Once you are logged in, you will receive instructions on how much (and what products) you can send your inmate. Hennepin County has a total population of 1252024 and was formed in 1852.Hennepin County Jail Commissary Carepacks Hennepin County Jail contracts with Access Securepak (aka M圜arePak) for families to send pre-determined packages of commissary items to your inmate.Īccess Securepak carries over 1,000 different items in the following categories: Hennepin County has a total area of 553 square miles. ![]() ![]() Hennepin County is located in the southern area of Minnesota. ![]() ![]() Despite her difficulty trusting people, she is quite optimistic telling the girls that they will be happy with Gru eventually. Margo tends to be a sensitive and straight to the point girl who is very untrusting of people as she takes a long time to warm up to Felonius Gru. Wangan-Kun from Bayside Shakedown ( Despicable Me 2).Her T-shirt is shown to have three different designs from each movie: She is seen wearing a black T-shirt (pale blue in Universal Studios parks) with a white button shirt underneath it, a faded green jacket, a navy and purple plaid skirt with white socks and a pair of red and white striped hi-top Converse sneakers.Īt night for sleeping, she wears an olive green nightgown with black and red at the sleeves and at the bottom, it has the number "87" on it. Margo is a pale-skinned young girl with brown hair that is tied in a ponytail by a white hair tie with bangs tucked to the right side and left side, brown eyes and black square-rimmed glasses. Margo appears in all three of the Despicable Me films and several of the mini movies. She finds it very endearing when Agnes says innocent childlike things (although she does display mild irritation at Agnes' fixation with unicorns), the total opposite of Edith, who finds it irritating. She does join in with Edith's antics if it's against someone she doesn't like. She is very disapproving of Edith's mischief, shown where Edith jumps in puddles which gets her and Agnes wet, and also when she breaks a vial of acid in Gru's kitchen. Like Edith and Agnes, Margo wished to be adopted by somebody who would love them. Before she was adopted, and much like her younger sisters, Edith and Agnes, she was an orphan horribly treated by Miss Hattie. ![]() Margo Gru is the adopted eldest daughter of Felonius Gru and Lucy Wilde. 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So moving forward Avid interfaces will have the DigiLink I/O license included in the box, again at no extra charge, in fact Avid have taken $500 off the prices of all their HD I/O Series interfaces. ![]() Resellers will also be provided with activation cards to include with their existing stock. Pro Tools Vanilla and Pro Tools HD standalone software users do not need a DigiLink I/O license and so you will NOT be affected and will NOT need to buy the DigiLink I/O license. If you don’t have a valid DigiLink I/O License then your HD interfaces, irrespective of what brand they are, including Avid, will not work once you are running Pro Tools 12.6.īut remember this is only for new HD customers buying into hardware. What the license effectively does is to turn on the DigiLink ports on an HD Native or HDX card. Remember this is a single fee, and not per interface. If you are buying a new system from now on and you choose to buy an HDX Core or HD Native Core System, so that you are able to buy a 3rd Party interface, then you will be able to go to the Avid Store and buy the DigiLink I/O license for a one off charge of $299 and you will be good to go.
![]() ![]() The Colorado Trail is considered a hiking and technical mountain bike trail. Another 40-mile-plus bike path, the South Platte River Bike Trail, follows the South Platte River from downtown Denver to Chatfield State Park and Waterton Canyon, where it meets up with the Colorado Trail and continues 400 miles to Durango.Selected by USA Today as one of the top five bike paths in the country, the Cherry Creek Bike Trail is a paved off-road path that follows the tree-lined creek for more than 40 miles from downtown Denver to Cherry Creek State Park.74 to Bergen Park and back down through Golden.Įarly October to Mid-November, 5,280 Feet Above Sea Level Try hiking near Maxwell Falls or in Alderfer/Three Sisters Park, or drive the Lariat Loop Scenic Byway from Evergreen on Hwy. Despite it's name, several spots around Evergreen, Colorado, put on a show in autumn.Golden Gate Canyon State Park, located 20 miles west of Denver in the foothills (45-minute drive), has many aspen groves at lower elevations, as well one of the best panoramic views of the Rocky Mountains.Several old cemeteries near Central City have groves of aspen, and many other trees can be seen on the dirt "Oh My God Road" that runs between Central City and another old mining town, Idaho Springs.Most of October, From 6,000 to 8,000 Feet An 18-mile paved bike path circles the pretty lake, offering mountain and fall views in every direction. The area around Lake Dillon, Frisco and Silverthorne is filled with aspen groves and is just a 75-minute drive from Denver.An interesting way to see the fall colors is by riding the Georgetown Loop Railroad, where a vintage steam locomotive pulls passengers up the steep grade between the two towns. Georgetown and Silver Plume, located approximately one hour from Denver (40 miles) are surrounded by aspen groves.Late September to Mid-October, From 7,000 to 9,000 Feet Guests get to choose between many tours and scenic stopping points like Cripple Creek. Hop in a Polaris Slingshot open-air roadster from Great Outdoors Adventures and tour the Pikes Peak and Mount Blue Sky areas.There are also many high aspen groves on the way to the park on the scenic Peak to Peak Byway (Colorado Hwy. Rocky Mountain National Park, about one hour and thirty minutes from Denver, has many groves of high aspens around Bear Lake.There are aspen groves at all elevations along the trail, offering a good chance of seeing color somewhere on the mountainsides. Guanella Pass, located just one hour from Denver, climbs to 11,670 feet and has many high aspen groves on both sides of the pass.Here's a guide of where and when to go: Mid-September to Early October Above 9,500 Feet Later in the season in October to mid-November, you can see spectacular color down in the foothills and along the plains in Denver. ![]() Starting in mid-September, expect to see aspens turning gold at elevations from 8,000 to 10,000 above sea level. Pick your elevation and you can find yourself at the height of fall colors from mid-September to mid-November. That's because there are five different climate zones within a two-hour drive of downtown Denver. Denver has one of the longest periods of fall colors of any city in the country. ![]() ![]() ![]() Downloadable viewer software allows playback of images downloaded from the Recorder.Recorded images can be downloaded to a PC.Filtered Search: Time & Date, Event Type, Camera number, Timeline.Various Recording Modes: Schedule, Event (Pre/Post).Various Display Modes: Spot, Multiscreen (4 / 16 split screen display, 4 / 6 / 9 / 12 / 16 / 24 / 32 *1 split screen display on a full screen). ![]() Flexible Playback Controls: Go to Date (Jump to specific time/date), Go to Last (Jump to 30 s before the record end).Audio from the i-PRO network cameras can be recorded and played back, G.726 (ADPCM) 32 kbps.Camera Control: Pan/Tilt, Zoom, Focus, Brightness, Preset Position, Auto mode (depending on camera model).Flexible alarm actions include Alarm recording, E-mail notification, Alarm message, Camera positioning, Terminal output, Panasonic alarm protocol output, Buzzer and Indicator. Various alarm sources include 9x Terminal inputs, 32x Camera alarm, Panasonic Alarm Protocol.Supports the Full HD output (HDMI) that can display recorded images and live images in high definition.Live images from up to 32*1 cameras can be displayed simultaneously.Quick intuitive search with calendar and timeline.Simple mouse operation by new GUI without the use of PC."Referenced recording days" is automatically calculated by frame rate, image quality and HDD capacity.Quick setup by automatic camera detection and simple setup wizard without the use of PC.Up to 32 *1 network cameras can be connected and recorded. (NTSC model)16 network cameras can be connected and recorded as default.(PAL model) 9 network cameras can be connected and recorded as default. ![]() |
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