![]() By default our calculations set bi-weekly payments to half of the monthly payment. These features are turned off by default on the mobile version to save screen space.Īmortization Tables: Clicking on the "show amortization tables" link reveals options to display monthly or yearly amortization tables & to compare monthly versus biweekly payments. Our site also publishes an in-depth glossary of industry-related terms here.Ĭharting: By default the desktop version of this calculator displays an amortization chart along with the ability to view a payment breakdown donut chart. Be aware that depending on build quality HOA fees can rise significantly 10 to 15 years after a structure is built, as any issues with build quality begin to emerge. They cover routine maintenance of the building along with structural issues. HOA: home owner's association dues are common in condos & other shared-property communities. Historically flood insurance has been heavily subsidized by the United States federal government, however in the recent home price recovery some low lying areas in Florida have not recovered as quickly as the rest of the market due in part to dramatically increasing flood insurance premiums. Typically earthquakes & floods are excluded due to the geographic concentration of damage which would often bankrupt local insurance providers. Homeowners insurance: most homeowner policies cover things like loss of use, personal property within the home, dwelling & structural damage & liability. FHA & VA loans have different down payment & loan insurance requirements which are reflected in their monthly payments. Some home buyers take out a second mortgage to use as part of their down-payment on the first loan to help bypass PMI requirements. PMI is only required on conventional mortgages if they have a Loan-to-value (LTV) above 80%. PMI: Property mortgage insurance policies insure the lender gets paid if the borrower does not repay the loan. If property tax is set above 20 the calculator presumes the amount entered is the annual assessment amount. If property tax is 20 or below the calculator treats it as an annual assessment percentage based on the home's price. Real estate portals like Zillow, Trulia,, Redfin, & Movoto list current & historical property tax payments on many properties. One can't simply look at the old property tax payment on a home to determine what they will be on a forward basis, as the assessed value of the home & the effective rate may change over time. Those who rent ultimately pay this expense as part of their rent as it is reflected in their rental price. Property Tax: this is the local rate home owners are charged to pay for various municipal expenses. Extra payments applied directly to the principal early in the loan term can save many years off the life of the loan. If a home buyer opts for a 30-year loan, most of their early payments will go toward interest on the loan. The 30-year fixed-rate loan is the most common term in the United States, but as the economy has went through more frequent booms & busts this century it can make sense to purchase a smaller home with a 15-year mortgage. Loan Term: the number of years the loan is scheduled to be paid over. For your convenience we also publish current local mortgage rates. This calculator can help home buyers figure out if it makes sense to buy points to lower their rate of interest. If the buyer believes interest rates will fall or plans on moving in a few years then points are a less compelling option. In general discount points are a better value if the borrower intends to live in the home for an extended period of time & they expect interest rates to rise. In some cases a borrower may want to pay points to lower the effective interest rate. Interest Rate: this is the quoted APR a bank charges the borrower. If the loan amount is above 80% of the appraisal then PMI is required until the loan is paid off enough to where the Loan-to-value (LTV) is below 80%. Loan Amount: the amount a borrower is borrowing against the home. This is used in part to determine if property mortgage insurance (PMI) is needed. Home Value: the appraised value of a home.
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![]() The primary lesson learned is the necessity to balance the needs and requirements of the treated institution in the host country with the fact that launching an open data platform usually requires significant overhauls of databases in terms of how the information is stored, completed, listed and presented. This implies not only beefing up communicational efforts once the platforms have been launched, but also bringing to the table civil society and business leaders to have a better sense of how the local stakeholders will be using technological tools, and to adapt the solution to their suggestions and recommendations. The dissemination of open data platforms to civil society and private-sector stakeholders is a significant gap that should be addressed if this experience is to be replicated in other regions. This was allowed not only by economies of scale, but also by diminishing learning costs, and the reputational benefit of already having implemented a successful solution such as MapaRegalías in Colombia. ![]() Some components of a similar effort, the MapaRegalías platform (Colombia), were reused and expanded in the design and implementation of the InvestmentMap platforms. The InvestmentMap experience shows the benefits and usefulness of scaling a country-specific pilot at a regional level. The base of the data visualization and georeferencing was achieved by applying an Enterprise Architecture (EA) design, and three implementation phases: development, testing and production. Participation mechanisms are also included in the platform, so that users can send their demands and contributions to policy-makers and monitor the projects, for example, by uploading photos to certify their progress. This initiative combines online information visualization projects and transparency-oriented, results-based programmes.Ī defining characteristic of the InvestmentMap platform is that there is a webpage for each project displaying information in a simple and intuitive way, including the financial and physical progress of each project. The InvestmentMap initiative aims to create information management platforms to improve the transparency and efficiency of public investments in Latin America and the Caribbean.
![]() However, RNA molecules are very sensitive to degradation by RNA-ases, and therefore contamination of the material by this extremely stable enzyme must be avoided. The only difference with Southern blotting is that RNA molecules are transferred to the membrane. This transmission is called northern transmission. The following photo describes transfer of RNA molecules after their separation by electrophoresis. The probe will only hybridize to DNA molecules that contain a nucleotide sequence complementary to the probe sequence. After transfer, the DNA is immobilized on the membrane by drying or irradiation with UV light and hybridized with a radioactive DNA-probe containing the studied sequence. ![]() The DNA is denatured either before or during transfer by placing the gel in an alkaline solution. Such transfer of DNA is called Southern transfer. The basic feature of this method is the transfer of DNA molecules separated by gel electrophoresis to a nitrocellulose or nylon membrane. Southern published an important new procedure that made it possible to determine the location of genes and other sequences in restriction fragments separated by gel electrophoresis. Agarose gels are better sieves for large molecules (over a few hundred nucleotides), while polyacrylamide gels are better for resolving small DNA molecules.ĭNA Analysis by Southern Blotting ![]() Agarose and polyacrylamide gels act as molecular sieves that slow the passage of large molecules more than small ones. DNA molecules have essentially the same charge per unit mass, so they are separated on agarose or polyacrylamide gels almost exclusively based on their size or conformation. Gel electrophoresis is a powerful tool for separating macromolecules of different sizes and charges. Look, I get the fun in raining chaos down from afar like typical mages. This build does not work without this power. Most of your Actions Points are spent teleporting targets and swapping places with them. A proper set-up will one-shot any battalion most times. If some survive, you need a companion to resurrect you for a second death/detonation. You have to get opponents clumped to make the explosion worthwhile. The only downsides, and it’s a big one, is the set up. The strongest explosion on video had damage in the billions. And yes, it crits with the Savage Sortilege talent. The explosion is a physical damage spell so it scales with buffs and stats. Don’t worry, this is the last meme build before we return to "playing the game as intended”. There’s a talent, Unstable, that deals 50% of your HP in a 3-meter explosion upon death. Can’t forget the memes.īarrelmancy full build details: 8. There's only one combo and you won’t ever need another. Target having 10,000 weight or more on your barrel of death. If you aren’t killing your opponents in one shot, your barrel isn’t heavy enough. On a serious note, barrelmancy is game breaking and should only be chosen on your second playthrough onward. Hurl it with your beautiful telekinetic mind. Load it with as many heavy objects as you can possibly find. How does it work, you might ask? Take an indestructible barrel. There exists a build that has you killing bosses in one shot with a ridiculously heavy barrel Remember when I said this game is all about player choice? Well, someone took that a little too far. Not only does this minimize risk toward you, but it also helps you manage cooldowns better.Įlusive Enchanter full build details: 9. Apart from immobilizing pursuers, the Elusive Enchanter can go invisible too. ![]() ![]() You’ll have about two to three spells for single target damage, but the rest are AOE. Craft scrolls from other elements to be effective against those that have high resistance to your schools of magic. You’ll have an arsenal of crowd control spells to inflict upon the opposing team. so long as your allies are out of the way! Ravage the battlefield with hailstorms or thunderstorms. Freeze, shock, stun, or even get them slipping on frozen ground.īy the late game, you’ll start mixing this with devastating calamities. While you do lots of damage, your main role is to apply status effects on the enemy. You’ll specialize in Hydrosophist and Aerotheurge skills, mostly. It’s a fun playstyle and the reward for proper execution is significant. I have a certain bias toward this build. The Elusive Enchanter was part of my party in my first D:OS2 run. Today we’re listing ten powerhouse builds that you’re sure to love whether you’re a newbie or a veteran. ![]() The possibilities are endless with this game. I’m not saying the above are viable builds, but they’re certainly doable. Maybe you want a flying archer that calls forth a meteor shower? Perhaps an elven knight whose enemies are transformed into bleeding chickens? How about an undead dwarf that summons a hungry flower to devour victims? Part of the fun is how creative you can get with your heroes (or villains). With its incredible depth, your interactions with the world are entirely up to you. It’s a triumphant masterpiece that stays relevant to this day due to its gripping narratives and engaging gameplay. Divinity: Original Sin 2 is a fantasy RPG all about player choice.
![]() Schwartz said the word gridlock was used internally in his department during the 1970s, perhaps as early as 1971. The word is attributed to Sam Schwartz, who was then the chief traffic engineer for the New York City Department of Transportation at the time of the strike. The first appearances of gridlock in newspapers occurred during the 1980 New York City transit strike. The word appeared in an IEEE publication in 1971 in a different context. Etymology Īccording to The New York Times, the word gridlock was coined in New York City in the early 1970s. This type of system is used in Zurich, Switzerland. This can be done with traffic control devices, such as traffic lights or warning signs, or a better public transportation system. These systems determine the optimal number of vehicles allowed in a traffic system, and prevent any extra vehicles from entering. To make a traffic system less susceptible to gridlock, a traffic metering system can be introduced. Noise pollution can be aggravated by excessive starting and stopping noise of gridlocked facilities. Another effect in cities is exacerbated by the presence of urban street canyons, which effectively trap air pollution and increase air pollution exposures of motorists as well as the general urban population. The obvious effects are driver frustration and trip delay. A similar program was piloted in San Antonio in 2017. In Austin, Texas, a "Don't Block the Box" initiative began in 2015. In Virginia Beach, Virginia, roads around the oceanfront feature signs at every intersection stating "Don't Block the Box", and threatening a $200 fine. This reclassification would give more traffic agents authority to write tickets and change the current ticketing procedure, which requires that the issuing officer physically stop the violating car in traffic. Mayor Michael Bloomberg, noting that the ten-minute ticketing process actually contributes to overall traffic congestion, has asked the New York State Legislature to remove “blocking the box” from the moving violation category. In New York City, drivers who " block the box" are subject to a moving violation that comes with a US$90.00 penalty. Mutual cooperation among drivers would give the maximum benefit (prevention of gridlock), but this may not happen because of the desire to maximize one's own benefit (shortest travel time) given the uncertainty about the other drivers' commitment to equal cooperation.Įnforcement New York City Don't block the box sign Vehicles "blocking the box" in New York City Gridlock is sometimes cited as an example of the prisoner's dilemma (from game theory). Those entering vehicles in turn back up and block the exiting vehicles. Traffic exiting the highway may back up and block the entering vehicles. Īnother type of gridlock can occur during traffic surges between highway on-ramps and off-ramps located within a quarter mile of each other. If all drivers follow this rule, gridlock is impossible. In many jurisdictions, drivers are therefore prohibited from entering an intersection at a green light if there is no room for them to clear the intersection. ![]() If the same situation occurs simultaneously in multiple intersections, these cars can be trapped in the intersections indefinitely. This can lead to the car being trapped in the intersection when the light turns green in the other direction. Traditional gridlock is caused by cars entering an intersection on a green light without enough room on the other side of the intersection at the time of entering to go all the way through. Lights are green but backups fill all the space. Vehicles on three lanes blocking each others way. By extension, the term has been applied to situations in other fields where flow is stalled by excess demand, or in which competing interests prevent progress.Ĭause Gridlock on Kaiser-Friedrich-Ring, Wiesbaden, Germany. The term Gridlock is also used incorrectly to describe high traffic congestion with minimal flow (which is simply a traffic jam), where a blocked grid system is not involved. The term originates from a situation possible in a grid plan where intersections are blocked, preventing vehicles from either moving forwards through the intersection or backing up to an upstream intersection. Gridlock is a form of traffic congestion where "continuous queues of vehicles block an entire network of intersecting streets, bringing traffic in all directions to a complete standstill". The red cars are those causing the gridlock by stopping in the middle of the intersection. Gridlock on a network of two-way streets. For other uses, see Gridlock (disambiguation). ![]() The list of books about drawing that we share today is made up of more than 30 texts in PDF format in which you can consult all the relevant information about this artistic expression.Īdditionally, we have integrated in our collection, books in Spanish and in Portuguese, so that you can enjoy this topic in any of these languages, if you wish.įinally, it is important to note that each and every one of these books has been given for its publication and distribution, or are in the public domain. When something cannot be expressed in words, the best option is to draw it. Moreover, it is one of the known visual arts.ĭrawing is a tool that allows us to express both thoughts and objects. On the other hand, it can also be said that drawing is a style of graphic expression on a horizontal surface, that is, in two dimensions. Through the action of drawing, an image is captured on a surface such as a canvas or paper, using various techniques. The art and technique of illustrating is what we know as drawing. This is a topic worthy of our digital library, and today we share it with you. 91,000+ Vectors, Stock Photos & PSD files. In this publication we have put together a list of books about Drawing, all in PDF format. Find & Download Free Graphic Resources for Open Sketch Book. And considering this aspect, we have worked hard to offer you another selection of texts for free. Add Image to Gallery - launches your Files browser for you to select the image you want to import.The advantage that represents having a space where you can access a collection of books for free, is invaluable.A new canvas will open with the selected image ![]() ![]() New from Image - launches your Files browser for you to select the image you want to import.After the image is imported, you remain in Gallery view. ![]() Add Image to Gallery allows you to browse your device or cloud storage for files you want to import to Sketchbook. The image will open in Canvas view for you to start working.
In this story, an old man sets out to ask an African king to dig some wells in his village when their water runs dry. You can listen to a reading of the story as you read along on this website. When a group of doves is caught in a hunter’s net, they must work together as a team to escape from the hunter’s clutches. This very short story from India was originally written in Sanskrit (an ancient language). “White Wing: The Tale of the Doves and the Hunter” The moral is that those who save up during the good times will get to enjoy the benefits when times are bad. When winter comes, the two friends end up in very different situations! The story tells of a grasshopper who lounges around all summer while his friend the ant prepares for the winter. This is another great story that teaches a lesson that’s written for kids but adults can enjoy, too. You can read it for free, along with a number of other stories in this list! 2. Have you ever heard the English expression, “Slow and steady wins the race”? This story is the basis for that common phrase. The hare laughs at the idea that a tortoise could run faster than him, but the race ends with a surprising result. The tortoise challenges the hare to a race. This classic fable (story) is about a very slow tortoise (turtle) and a speedy hare (rabbit). This blog post is available as a convenient and portable PDF that youĬlick here to get a copy. How to Use Short Stories to Improve Your English.“Hills Like White Elephants” by Ernest Hemingway “The Friday Everything Changed” by Anne Hart “The Velveteen Rabbit” by Margery Williams “The Zero Meter Diving Team” by Jim Shepherd “Evil Robot Monkey” by Mary Robinette Kowal Excerpt from “Little Dorrit” by Charles Dickens “There Will Come Soft Rains” by Ray Bradbury ![]() “The Night Train at Deoli” by Ruskin Bond “Little Red Riding Hood” Adapted by the British Council ![]() “The Tale of Johnny Town-Mouse” by Beatrix Potter Stories are all about going beyond reality, and these classics will not only improve your English reading but also open your mind to different worlds. A good English short story is often enough! You don’t need to read an entire English book to learn. What if you could understand big ideas in English with just a little bit of text? Septem34 English Short Stories with Big Ideas for Thoughtful English Learners By Aromie Kim and Dhritiman Ray Last updated: ![]() They have everything you want, need, and what you didn't even think they could have. The puffy, crunchy corn nuggets coated in brown sugar and caramel are the perfect road trip snack. It's easy to see why these are Buc-ee's #1 seller.Known for its clean bathrooms, endless gas pumps and brisket, Buc-ee’s is looking at opening its first. Buc-ee the Beaver, the Texas gas station mascot, could be joining Bucky the Badger. Renaissance Cat Paintings Funny Wrapping Paper. Regardless of where you may find us, if the store is big or small, near or far, the mission remains the same. ![]() Ever since our inception in 1982, we have been committed to providing a clean, friendly, and in stock experience for our customers. ![]() Buc-ee's, 20403 County Rd 68, Robertsdale, AL 36567, Mon - Open 24 hours, Tue - Open 24 hours, Wed - Open 24 hours, Thu - Open 24 hours, Fri - Open 24 hours, Sat - Open 24 hours, Sun - Open 24 hours About Buc-ee's. It offers satellite imagery, aerial photography, street maps, 360° interactive panoramic views of streets (Street View), real-time traffic conditions, and route planning for traveling by foot, car, bicycle and air (in beta), or public transportation. Google Maps is a web mapping service developed by Google. Only thing is that most of the day time it's packed! They have a great selection on snacks and drinks, and also has a small deli inside. This is a review for a gas stations business in San Antonio, TX: "I love this gas station! Super cheap gas, open 24 hours, and it's close to my house! It's like a mini Buc-ee's. ![]() ” in 66 reviews Location of Buc-ee's stores in Texas. ” in 104 reviews “ A fresh bakery, a jerky station, brisket sandwich station, all the drinks, coffee, slushees and snacks you could want. Buc-ee's, 1702 League City Pkwy, League City, TX 77573, Mon - Open 24 hours, Tue - Open 24 hours, Wed - Open 24 hours, Thu - Open 24 hours, Fri - Open 24 hours, Sat - Open 24 hours, Sun - Open 24 hours Location of Buc-ee's stores in Texas.“When going Saint Augustine to visit my daughter, I CAREFULLY plan my gas stops to coincide with Buc-ee 's locations. Augustine location on Monday, but media and first responders got a. Buc-ee's, a Texas-based chain featuring mammoth gas stations and convenience stores, will open its St. That sound you heard Tuesday afternoon was Texas transplants in the Bluegrass State rejoicing at the news that Buc-ee's is opening a travel center in Kentucky. Buc-ee's Locations1402 S Interstate Highway 45 Ennis TX 75119. Tuesday and a grand opening ceremony was held at 11 a.m.: People showed up, and dressed up, for. WATCH | A sneak peek inside new Buc-ee’s opening Tuesday in Richmond.I’m sure the continuous flow of tourist dollars will keep this place going for years to come. The brisket sandwiches that sold for $5.99 before, are now $7.99! Well, thankfully for Buc-ees, we have Interstate 95 out there that runs from South Florida all the way to New York and beyond. (Our favorite of the three sandwiches, and the one we’d definitely order again.) If you go: Buc-ee’s has two stores in Alabama, at 6900 Buc-ee’s Blvd. |
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