8/18/2023 0 Comments Lifetime ghost of christmas pastIt’s all in their affordability goals and, while complicated, we can already see distortions. There is the implementation of goals focused on LIP (low income purchase loans) and VLIP (very low income purchase loans) that could result in a number of unintentional distortions to pricing and credit availability. And while these modest changes to LLPAs might help, there is far more that impedes the ability of the GSEs to be effective in this area.īut FHFA hasn’t stopped there. In the most recent May release, they show just how hard it is for the GSEs to expand access to minorities who make up a significant share of new first-time homebuyers.Īs the chart above shows, it’s the Ginnie Mae programs, FHA in particular, that completely dwarf the efforts of the GSEs in this regard. The Urban Institute puts out a monthly chart book that is chock-full of incredible data about our marketplace. You see, the LLPA changes, while small in impact, were just part of the slippery slope of adjusting fees and policies to make the GSEs do business differently and to get them to focus more on entry-level homebuyers. And DeMarco responded, almost completely eliminating the pricing differences during his tenure.īut today we have more to be concerned with. I remember early in my career at MBA taking three CEOs of independent mortgage banks to meet with then Acting FHFA Director Ed DeMarco to argue against any price disparity based on anything but the actual risk of the loan. The spread in pricing between a large seller and a small one was significant. Prior to the collapse of Fannie and Freddie, pre 2008, the GSEs would give preferred pricing to their largest sellers in what was known as “alliance” agreements. In fact, MBA traditionally argued that g-fees and other pricing methods at the GSEs should only reflect the actual risks of the loans and not be used for other purposes. While the latest was this clearly manipulated LLPA pricing structure and the now failed attempt at a DTI cap, the list of fees added to 2-4 unit homes, second homes, cash-out refinances, and more appear to be focused on political objectives and not actual risk. As each succeeding FHFA director comes into the role the industry, potential homeowners, lenders and more will face the risk of a cascading series of policy initiatives being implemented by the GSEs at the behest of the FHFA, regardless of whatever protests that may come from the respective staffs at either GSE. In fact I testified in front of Congress in 2017 stating such.īut today I now see the risks of letting this drag on into perpetuity without resolve. The Mortgage Bankers Association argued that Congressional reform should precede any effort to release the GSEs. Make no mistake about it, I sat firmly entrenched for years opposing the “recap and release” crowd, to the point where the camps on both sides of the issue were in almost pitched warfare. What’s the greater risk to housing: an endless series of FHFA directors who change seats with each political administration and then proceed to tinker with policy in pursuit of political priorities? Or, the risk of releasing Fannie and Freddie without firmly legislating some of the reforms that I and many others advocated for, going back to the early years of conservatorship? For me, it’s really a question about the lesser of two evils. One of the great concerns I have, as both a former regulator and the former head of a major industry trade association, is the downside risk of keeping the GSEs in conservatorship any longer. After the recent extraordinary show of force defending changes to LLPAs by federal regulators and their friends, the forest through the trees risk remains in focus to me.
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CUSTOMER RATINGS AND REVIEWS TERMS OF USE 8/18/2023 0 Comments Restaurant cashflow weekly plannerWhat Is Cash Flow Cash flow is the amount of cash moving into and out. Annual 3 increase for inflation and 5 annual increase in. Says Yeo: "If you don't take care of your employees, they don't take care of you. Man sitting in restaurant writing on pad with pencil, working on a cash management plan. 860,000 - 1,200,000 revenue target Industry average for casual restaurant average of 860,000. Treat the good ones well and they might stick around. You have a sound business plan and good cash flow, and your numbers make sense. The template provides a way to examine day-by-day, month-by-month, quarter-by-quarter, or year-over-year projected cash receipts and cash payments as compared to your operating expenses and other outflows. Exciting restaurant events & workshops are on the menu for the National. A cash flow forecast is an estimate of your future sales and expenses. No matter how delicious the food or generous the cocktails, abrasive or flaky servers and bartenders can botch the whole dining experience. A cash flow forecasting template allows you to determine your company’s net amount of cash to continue operating your business. plan ahead to make sure you always have money to cover payments. On average, management turnover rates run around 20% annually for table-service restaurants, while hourly workers turn over at roughly a 150% clip. Below, we’ll look at how a restaurant cash flow statement is laid out, what to look for, and how the cash flows of public restaurant companies compare. Listen and learn.įinally, mind your staff turnover. A restaurant cash flow statement is an important tool for investors, as well as for operators looking to see how their company sizes up to the competition. Regulars are also more likely to offer constructive feedback on the menu and customer service than one-time patrons. The added payoff: Your marketing budget is only so big, and happy customers are the cheapest way to get the good word out. The most successful restaurants aim to get at least 60% of their customers to visit their restaurant once a week, says Louie Psallidas, senior vice president of finance for Papa Gino's, a New England pizza chain. The National Restaurant Association estimates that three-quarters of most restaurants' sales come from repeat customers. Good restaurants also constantly tweak their menu choices, and tracking those effects requires constant vigilance.Īnother important measure: the percentage of repeat customers. That's because most restaurants are very cash-intensive, forking over money for fresh inventory and tipping out servers and other staff on a daily basis. Cash flow should be monitored monthly-even weekly-rather than quarterly, like net income. 8/18/2023 0 Comments Dodo bird picsThese examples are programmatically compiled from various online sources to illustrate current usage of the word 'dodo.' Any opinions expressed in the examples do not represent those of Merriam-Webster or its editors. By Caitlin Jill Anders Published on at 4:11 PM Dawn Lausier was walking around a cove in Portland, Maine, looking for a rare bird who had been spotted the day before. 2023 Running the ball is going the way of the dodo. 2017 But that organism wouldn’t be genetically identical to the dodo. Full size each dodo tree picture, just click on the dodo image you like to enlarge the dodo tree picture. Sort by: Most popular Dodo Birds In Forest An illustration of a male and female Dodo Birds in a forest. Nayanah Siva, Discover Magazine, 3 Aug. Browse 370+ dodo bird images stock photos and images available, or start a new search to explore more stock photos and images. Read full story on the dodo bird's skeleton Painting a bird The dodo was a flightless bird native to the isle of. Anna Russell, The New Yorker, 11 July 2021 As was the case with the dodo, deforestation is still a real threat. Here are images of the dodo bird and laser scans of its skeleton. 2023 The show’s curator, Kate Bailey, has evoked the era’s flurry of discovery and industry, its devotion to science and progress, with a carrousel of delightful oddities: an eighteen-fifties kaleidoscope, an unwieldy folding-box camera of the kind Dodgson used, the skeleton of a dodo. (Britannica, 1986) Biogeographic Regions indian ocean native Habitat Although many pictures and stories place the dodo along the shores of Mauritius, it was actually a forest-dwelling bird. (1 meter) Weight: 23-39 pounds Wingspan: 2.0 ft. They also have yellow feet and tufted white plume tail feathers. 2010 While bringing back creatures like the dodo and woolly mammoth might turn heads, Colossal says its work will be just as important in helping the medical and environmental fields. Identification: The Dodo Bird is a big and clumsy creature, that is approximately 3 feet tall, with brownish-gray downy feathers, a big gray featherless head, and a black bill with a reddish tip. Nathan Lewis, Forbes, The same technique could be used to study the last days of other extinct birds with interesting evolutionary histories, including the great auk, Haast's eagle and that poster child for extinction, the dodo. 2023 Sensible people classified Rothbard with the dodoes. Kenna Hughes-castleberry, Discover Magazine, 21 Apr. Recent Examples on the Web Vow even tried to synthesize nuggets from the extinct dodo bird, but lacked enough DNA to accomplish the task. 8/18/2023 0 Comments Woody and bo peep couple costumeGet ready to be the creepiest couple on the block by wearing a couple of tethered costumes. If you want to show everyone at the party that your love for each other is the stuff of fairytales, perhaps dressing like Beauty and the Beast is for you! They showed us that beauty isn't just skin deep, and that lasting relationships need love. While this tale may be as old as time, it's harder to be more classic than this Disney couple. You just have to solve the dilemma of who gets to be peanut butter vs. You can't go wrong with a classic, after all! These gender-neutral tunic costumes are great for couples and friends of any gender. If the two of you stick together just like a peanut butter and jelly sandwich, this couples' food costume idea might be just what you're looking for. The two of you were certainly meant for each other!ģ. Is there anything more timeless than the OG couple, Adam and Eve? While you can't really show up in your birthday suit to the party, these Biblical costumes should do the trick! (These funny couples costumes are certainly better than trying to DIY the real thing with leaves.) While this couples' outfit idea is great for anyone, we'd also highly recommend it for couples in a long-term relationship. Their wild nature and classic style make them the perfect costume party options for couples who enjoy historical costume ideas. Already famous for their exploits, Bonnie and Clyde were further immortalized on the big screen by Warren Beatty and Faye Dunaway in 1967. The couple is famous for knocking off banks and small stores, and their overall reckless behavior. The well-known outlaws shot their way across the central US back in the 1930s. You can’t talk about famous couples' costumes without mentioning Bonnie and Clyde Halloween costumes. Now sit back and get the wheels turning as we tell you some of our couple costume ideas. From movie-themed costumes to food costumes, this guide has you covered. Whatever costume you choose, remember the most important part is the person by your side…also dressed ridiculously.So you’re looking to do the whole couples Halloween costume thing are you? Isn’t it fun when you can rock the town together? And who doesn’t want to win the best couple costume award at the party? We get it! You’ve come to the right place to find the ultimate couples costume ideas. You’ll be the most popular people at the party, trust. Want s’more costume ideas? Go as the classic campfire treat (yep, the costume exists!) and bring a tray of homemade s’mores with you. (Hot tip: Double check that you’re not actually buying doll-size clothes when you order…) If you’re a couple who loves a good pun, go as a deer and headlights. Maybe you dress up as classic time-traveling twosome Marty McFly and Doc Brown, or try on Toy Story’s Woody and Bo Peep for size. (After all, you two really do go together like PB & J!) If pop culture’s not your vibe, you can always go the crowd-pleaser route with a food-inspired costume. You want a couples Halloween costume that reflects both your personalities and interests, whether that’s a favorite fictional duo or that celeb pair you’re convinced would absolutely love going to lunch with you guys IRL. Not only do you have to dress to impress, but you also need to make up for lost time.Ĭonsidering pumpkin spice is back in coffee shops, it’s officially time to hunt for the ultimate All Hallow’s Eve ensemble. After the less-than-happening Halloween of last year, the pressure is on. Whether you’re hitting up a bunch of costume parties or trick or treating with the kiddos, you and your boo (ha, get it?) need the perfect 'fits. Halloween is all about sweets-spending time with your sweetie, that is. 8/18/2023 0 Comments Cool facts about big benThe tower is built on a strong foundation going 13 feet (4 meters) below the ground and made of 10 feet (3 meters) thick concrete on a 50 feet (15.2 meters) square. The rest of the tower has a cast-iron frame. The first 200 feet (61 meters) of the tower is constructed with bricks and clad with sand-colored Anston limestone, quarried in South Yorkshire. The Elizabeth Tower stands 315 feet (96 meters) tall. Augustus Pugin (1812-1852), designer of Big Ben 6. Pugin didn’t live to see the completed tower because he passed away in 1852 at the age of 40, while Big Ben was only completed in 1859. One of the most interesting facts about Big Ben is that it actually was the final project of Pugin, who had struggled with mental illness for a long time and went mad shortly after finishing the design. Pugin was known for his pioneering role in the neo-Gothic Style The Palace of Westminster was built in the “ Gothic Revival” style, a popular architectural style in England starting in the 1740’s up until the 19th century.īig Ben itself was designed by Augustus Pugin, another famous English architect, who also worked on the interior of the Palace of Westminster. It was designed by the pioneer of Gothic Revival Therefore, most of the old buildings were demolished to make way for the new Palace of Westminster which is also referred to as the “ Houses of Parliament.” The original Palace of Westminster was destroyed by fire. The reason the Palace of Westminster was being rebuilt is that it was destroyed by fire on the night of October 16, 1834. He did, however, leave the design of the tower itself to Augustus Pugin. The Elizabeth Tower, previously known as the Clock Tower, was part of the design of the Palace of Westminster by Charles Barry, a renowned English architect. It was built because the old palace burned to the ground Prime Minister David Cameron officially announced the change of name on September 12, 2012, followed by a ceremony in which a name plaque was attached to the tower. This is similar to how the Victoria Tower was renamed as such in the Diamond Jubilee year of Queen Victoria in 1897. The reason was to honor Queen Elizabeth II for her Diamond Jubilee year, 60 years after her accession to the throne. Its official name, “ Clock Tower,” was changed through a vote of approval of 331 MPs to “ Elizabeth Tower” in the year 2012. The tower was renamed in 2012īig Ben is located inside a tower that was originally named the “ Clock Tower.” During Queen Victoria’s reign, the tower was also unofficially referred to as the “ St Stephen’s Tower,” because Members of Parliament (MPs) originally sat at St Stephen’s Hall. Other landmarks in the area include Westminster Abbey, the London Eye, Trafalgar Square, Westminster Cathedral, and St James’s Park. It’s located in Westminsterīig Ben is located at the north end of the Palace of Westminster, right next to Westminster Bridge in the Westminster neighborhood in the center of London. This amazing bell tower is undoubtedly one of the most famous and best-recognized landmarks in the United Kingdom and has become a symbol for the city of London. The tower’s construction was completed on May 31, 1859. It’s the nickname of the bell, even though many people refer to the clock and the clock tower as Big Ben as well. What is Big Ben?īig Ben is the big bell inside the famous clock tower in London. 8/18/2023 0 Comments Kate tuttle bookzShe died the year before Straight married her grandson. “Changes the DNA.” Daisy grew to mother four daughters and traveled to California to make the family’s home in Riverside. “Violence like that enters the blood,” Straight writes. There was Daisy, born in Mississippi, whose mother was run down by a car driven by white men - before the car came, Daisy’s mother threw her 5-year-old daughter out of harm’s way. “There was inside her a core of fury and independence and self-preservation, the genetic heritage of survival,” Straight writes as she maps Fine’s journey from Tennessee to Texas. They include women like Fine, born during Reconstruction, orphaned at 6, taken (but not taken in) by a white family, growing up dirt poor and bearing three children as a teenager. Straight recalls a graduate school classmate sneeringly asking her in a workshop, “Why do you keep writing about all these working-class people?” Writing these families’ stories, in the context of American history, politics and literary taste, is itself a radical act.Īmong the book’s great characters are Dwayne’s foremothers. She is white, he is black together they are “the child of immigrants, married to the child of people once enslaved.” Her “us” includes the family of ex-husband Dwayne Sims, her high school sweetheart and father of her daughters. “I wanted,” she writes, “to write about us.” A Californian, she sees herself in the words of Joan Didion’s California essay “Some Dreamers of the Golden Dream.” Her people are working-class women, many times married, mothering their own children and those of others, living among lemon groves and tumbleweeds and Santa Ana winds. Straight, who talked about her book at last weekend’s Twin Cities Book Festival, is author of eight novels. You may have heard of the Elf on the Shelf, or you. Susan Straight (Courtesy of Felisha Carrasco) An enumeration of everything thats wrong with the holiday toy. It’s a book with more people in it than an encyclopedia - so many it can be difficult to keep track of everyone - and its universe of people and stories is complex, layered and ultimately ravishing. Susan Straight’s “In the Country of Women” works in the opposite way: addressed to the author’s three daughters, this is a book that spirals outward, gathering and illuminating stories of ancestors, family and community. Some memoirs look deeply inward, examining how the self is formed in the crucible of the world. 8/18/2023 0 Comments Line tool in gimpCreate your shape until you get to the corner. For example, in the following image, the top handle is perpendicular to the other handle - it's roughly at a 90 degree angle. You create corners by simply moving the handle across. The curve will be going in one direction, but you need to change it with a sharp angle. Often when you draw a path, you will need to create a corner immediately after a curve. This is to faciliate the differently shaped curves on each side of the anchor. On the right image, the handles are different sizes (the lower handle is shorter). Also, both handles on the left image are roughly the same size. On the left image, the large, outer curve needs larger handles than the smaller inner curve (on the right image). You can see that on both curves, the handles are straight (or almost straight). The left image highlights the handles at the bottom, inner curve of the shape. The right image highlights the handles at the top left of the shape. Three factors impact on getting a good curve with the Path tool: But drawing an accurate curve is not as difficult as it may seem. When creating curves, beginners often find that it's difficult to control exactly where the path runs. Click where you want the straight line to endĬreating a curve is where many beginners run into trouble.Click where you want the straight line to start.Straight Linesĭrawing straight lines are the easiest thing to achieve with the path tool. If, after doing this, I found that the curve wasn't quite right, I simply "Undid" my anchor (Ctrl+Z) and tried again - this time placing the anchor in a different spot. When I created the above path, I clicked to create the anchor, then I adjusted the handles. In fact, the anchors that are there, are being used simply to change the direction (or intensity) of the angle. You'll see that the long, smooth lines don't have many anchors. Once you get the position right, the handles are there to adjust the angle of the curve as required. The best way to get a long, smooth curve is to use less anchors with good positioning. This is because they create too many anchor points and don't know how to get a proper curve. Many beginners tend to create jagged curves that aren't smooth. Other anchors represent a sharp change in the direction of the path (for example, at the tip of the leaf). Some anchors are located along a long smooth curved line. Now, take a look at the anchors in the following image. Learning where to place anchors, and how to control them is a crucial part of learning the Path tool. Take time to practice it, and before long, you will find it as easy as any other tool. Using the path tool can be a little tricky when you first start out. Now that we've learned what the path tool is, let's learn how to draw paths with it. But by doing a little research into a game's features, you'll know whether it sounds right for you or if it will probably leave you cold. Platformers like Super Mario 3D World are all about jumping around, whereas Mario + Rabbids Kingdom Battle, despite starring the same characters, is a turn-based strategy game. As for genre, that's simply a case of understanding what you'll be doing in game. We imagine that some of you reading this are looking for games to try with younger players, so keep them in mind before choosing something particularly scary or violent. Nintendo Games LEGO: Marvel Super Heroes 2 (Nintendo Switch) eShop Key EUROPE 248 4. The other key thing to look for is genre and age rating. Nintendo Switch LEGO Marvel LEGO Marvel Super Heroes 2 Review (Switch) It's about time Version Reviewed: European review by Jon Mundy Wed 22nd Nov 2017 The LEGO effect has benefited. What is LEGO Marvel Super Heroes 2 CD key It's a digital key that allows you to download LEGO Marvel Super Heroes 2 directly to PC from the official Platforms. However also keep in mind how many players are supported for both, and if you're playing in the same room as people, make sure you have enough of the best Nintendo Switch controllers around for them to use. There are no real tricks with picking good multiplayer games for the Switch, you just need to know what you want and see if the games offer it.įor example - do you want to play online or locally? All these games offer one or the other, and a few offer both. How to choose the best Nintendo Switch multiplayer games for you 8/18/2023 0 Comments Illustrator system color pickerAs a VEVRAA Federal Contractor, UTMB Health takes affirmative action to hire and advance women, minorities, protected veterans and individuals with disabilities. UTMB Health strives to provide equal opportunity employment without regard to race, color, religion, age, national origin, sex, gender, sexual orientation, gender identity/expression, genetic information, disability, veteran status, or any other basis protected by institutional policy or by federal, state or local laws unless such distinction is required by law. This position requires molecular biology and protein chemistry skills related to cloning and expression of proteins and routine lab maintenance.Adheres to internal controls established for department.īachelor's degree in basic science or equivalent no experience required.Assembles, calibrates, operates and makes minor modifications to a variety of laboratory equipment as defined by appropriate guidelines.Assists in the compilation and tabulation of data and provides preliminary analysis.The graphic symbol plays all of its five keyframes repeatedly during the 45 frames. The Frame Picker shows thumbnail images of all the frames inside the graphic symbol. When the animation plays frame 12, the alien head graphic symbol will change to frame 4. Maintains records of all tests performed and data collected. When the animation reaches frame 14, the head symbol will switch to displaying frame 2.Prepares biological assays and conducts basic quantitative and qualitative analysis.Performs a variety of routine and non-routine research assignments and experiments, specifically to perform experiments in vitro and with animals. Under direct supervision, performs standard research assignments involving a series of related operations.Performs varying standardized laboratory assignments and experiments. |
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