is an investment banking firm that provides mortgage services. More importantly it just took 2 phone calls and then a handful of e-mails with the place I picked. View information (),Located in 4121 Camino Del Rio. Got a 3.25% 30 year fixed and spent ~$1.5k in total between closing costs, points, fees, etc (no need to separate all that stuff out points & fees are completely fungible to the lender) back when average rates were more like 3.75. I then spent the next week or two closely watching their advertised rates raise and fall and then called back to lock in a rate when I felt things were at a nadir. They exactly met what they had advertised with zero surprises so I decided to go with them. Aimloan fell down on getting an appraiser out, so they did offer to extend our 30-day lock for another 10 or 15 days. All was done w/ the intention of our receiving a loan at under 80 value of our home. Last time I need to refi I called the top place they came back with some extra BS fee tacked on so I quickly ditched them and called the next lowest place. It determined the value of our home, our credit rating, and documented all of our income which varies from 110K to 120K per year. Insist that they match the lowest advertised rates you saw if they can't move on to the next one. I learned my lesson after that: Use bankrate & Zillow to find the places offering the lowest mortgage rates in the country and contact them directly. Ally Bank Watermark Home Loans Rocket Mortgage Sage Mortgage. Rates that I got were all fairly ordinary nothing I couldn't have easily beat looking for myself. You will continue to get dozens annoying calls, texts, e-mails, and letters for weeks and months afterwards. Your phone will ring off the hook for the next 24-48 hours with persistent salespeople. Lending Tree was a HORRIBLE experience for me. The national average 30-year fixed refinance APR is 7.27, according to Bankrate's latest survey. Everything is explained in detail and I got the best rate ever. They made my entire loan process a breeze. Here, please treat others with respect, stay on-topic, and avoid self-promotion.Īlways do your own research before acting on any information or advice that you read on Reddit. Zach Wichter On Monday, May 29, 2023, the national average 30-year fixed mortgage APR is 7.21. AimLoan is a great mortgage company to work with. Ive used twice for refinancing our home mortgage as rates went down. Get your financial house in order, learn how to better manage your money, and invest for your future. I received great service and a great rate. Banking Megathread: FDIC, NCUA, and your cash.Private communication is not safe on Reddit. Scam alert: Ignore any private messages or chat requests.
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Our hope is that with the feedback we'll collect, D:OS 2 - Definitive Edition will become one of the best RPG experiences available across the platforms. Gather your party, master the elements, and forge friendships and rivalries on your quest to ascend to divinity.įew words from Swen Vincke the founder of Larian Studios: "We've done a lot work since launch to make DIVINITY: ORIGINAL SIN 2 even better, and Xbox Game Preview will let us discover how we can improve it even further. Xbox players will explore a world of near-limitless possibilities. Players can unlock the entire first act (around 20 hours of adventuring) by purchasing the game and can continue their journeys on full release in August. Starting on May 16th, Xbox Game Preview will give players instant access to the game's first three hours for free. īANDAI NAMCO Entertainment Europe announced today that Xbox One players will enjoy a unique experience with DIVINITY: ORIGINAL SIN 2, the multi award-winning, single-player and cooperative multiplayer fantasy RPG. If this information is not provided, the newsletters will not be made available. Required information is indicated by an asterisk. In the event of a dispute, you can refer the matter to the French National Commission for Information Technology and Civil Liberties (Commission Nationale de l'Informatique et des Libertés). You may exercise these rights at any time by using the unsubscribe link in the newsletters or by e-mail. You have the right to request, access, rectify, delete, oppose for legitimate reasons, and transfer all of your data, as well as the right to formulate specific and general instructions concerning the storage, deletion and communication of all post-mortem data. This data is stored until you revoke your consent, and is intended for use by Bandai Namco's services responsible for customer relationship management. Such data processing is carried out only with your consent. In accordance with Regulation 2016/679 of 27 April 2016, your full name and email address will be used by Bandai Namco for the purpose of providing you with a newsletter and information about Bandai Namco's activities. We maintain a firewall between our advertisers and our editorial team. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. We do not include the universe of companies or financial offers that may be available to you.īankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. But this compensation does not influence the information we publish, or the reviews that you see on this site. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. The offers that appear on this site are from companies that compensate us. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.īankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Income Tax Summary Report Archive - This summary report is an analysis of Maryland resident and nonresident personal income tax returns filed for a given calendar year.We are an independent, advertising-supported comparison service.Local Tax Rates: A chart depicting each county and the City of Baltimore's local income tax rates.Local Income Tax Rate Changes - Instructions on how to notify the State of Maryland Comptroller's Office of changes to local income tax rates by counties.Also included in the distribution of local income tax revenue are comparisons of delinquent distributions and fiduciary distributions by county, (net of municipalities) and by municipality. Local Income Tax Distribution Archive - County by county and city by town distributions of local income tax.Resources for Local Governments Regarding Local Income Tax Requirements You should also cc Andrew Schaufele and Robert R. To give notice of a county income tax rate change, you must submit a certified copy of the County Council passed ordinance or bill on or before the deadline required by law. Pursuant to Annotated Code of Maryland, Tax-General Article § 10-106(b), a county must provide notice of a county income tax rate change to the Comptroller on or before July 1 prior to the effective date of the rate change. Notification of Local Rate Change to Comptroller 0275 for taxpayers with Maryland taxable income of $50,000 or less and a filing status of single, married filing separately, and dependent and 0275 for taxpayers with Maryland taxable income of $100,000 or less and a filing status of married filing joint, head of household, and qualifying widow(er) with dependent child The local tax rates for taxable year 2023 are as follows: 0281 of an individual’s Maryland taxable income in excess of $50,000. 0270 of an individual’s Maryland taxable income of $1 through $50,000 and Taxpayers Filing Joint Returns, Head of Household, or Qualifying Widows/Widowers 2022 Maryland Income Tax Rates Taxpayers Filing as Single, Married Filing Separately, Dependent Taxpayers or Fiduciaries And these price spikes lead to higher trading values, especially for shorter term wholesale electricity contracts. Real time price spikes are now more likely to occur. However, this change has impacted how prices move in real time. Now, one would think that is a good thing. One of these changes moved the market cap of wholesale electricity markets from $9,000/MWh to $5,000/MWh. Regulatory ChangesĪfter Winter Storm Uri in February 2021, there were numerous regulatory changes. If less solar and wind projects come online in Texas, that further’s our reliance on natural gas power plants. Many of these utility-scale solar panels are manufactured in China, Malaysia, the Philippines and Taiwan. And some of those may be hampered due to supply issues. Investors have numerous utility-scale solar projects planned in Texas for 2022-2025. Russia’s war against Ukraine has had an impact on natural gas prices internationally as European nations seek new sources of gas. With Liquified Natural Gas (LNG), gas can be transported around the world. Natural gas is increasingly a global market. We first started seeing natural gas prices increase in 2020, but prices started ramping as manufacturing processes restarted. You can see how closely the two are correlated by comparing these two graphs. Because of this, the wholesale price of power ties closely to natural gas. Over 40% of Texas’ electricity is generated with natural gas-fired power plants. Here are four reasons why Texas electricity rates are so high right now. Plus you also pay for delivery on top of that. In addition to this cost, your retail electricity provider adds risk factors, ancillary services, overhead and their profit. This graph is the underlying cost of the 12 month electricity rate that you purchase. As you can see from the graph, we have not had prices this high in 10 years. The wholesale prices are currently 2X that, hitting $83/MWh (8.3 cents per kWh) in early May 2022. Over the past 10 years, this has averaged between $40-$60 per MWh (4-6 cents per kWh), with some lower prices in 2015-2018. The graph below shows the history of a 12-month wholesale electricity contract in the Houston area. And these are some of the highest spring rates we have historically seen. But in Spring 2022 electricity prices have been all over the place. Summer was always the worst time to sign an electricity contract. In the past, Texas electricity prices have been fairly predictable.Įlectricity rates were always lower in the spring and fall. Why Texas Electricity Prices are on the Rise (2022 Recap) Geospatial Intelligence Imagery Analyst (MOS 35G) Subjects include how to extract data from fixed, portable and wireless communication devices, as well as maintaining, testing, and repairing the Army’s communication equipment. Summary: Training is heavy and long for Military Intel Systems Maintainers, as they have an important role within intelligence. Military Intelligence (MI) Systems Maintainer/Integrator (MOS 35T) At AIT training will be provided on how to perform interrogations and conduct human intelligence analysis. Summary: Similar to Crypto Linguists, Human Intels who are not fluent in another language will attend six to 18 months at the DLI prior to AIT. AIT in Fort Huachuca, Arizona Human Intelligence Collector (MOS 35M) MOS 15H also learn how to fix hydraulic, fuel, and electrical systems. The school lasts over three months and includes engine disassembly and repair. It is currently the only MOS in the Army that receives primary AIT training in Alabama. Summary: Aspiring Army Aircraft Pneudraulics Repairers (MOS 15H) receive advanced individual training at Fort Rucker in Alabama. Image: Aircraft Pneudraulics Repairer (MOS 15H) Image: AIT at Fort Rucker, Alabama Aerial view of Ft Rucker, AL. There are many different bases across the United States where you may receive AIT based on the chosen Military Occupational Specialty (MOS). Speaking with a local Army recruiter can provide more details on the bases where you will receive training based on a qualifying MOS. Secondary locations after initial training at principal locations include Fort Bragg, Fort Gordon, Fort Lewis, and Fort Hood (to name a few).įor the purpose of this article, we have not listed every single secondary training AIT location. There are principal Army AIT locations such as Fort Benning, Fort Leonard Wood, Fort Sam Houston, and Fort Eustis. Primary Army AIT locations are currently in seven different states and eleven locations. Recruits must complete Phase IV and Phase V of training through Army AIT. Related Article – Army Promotion Timeline for Enlisted & Officers AIT Training LocationsĪrmy AIT (Advanced Individual Training) ranges from 4 to 52 weeks.īCT constitutes Army training, Phases I, II, and III. Where you complete AIT is not a choice, but rather based on your Military Occupational Specialty (MOS). In addition to mastering relevant job skills, the Army also focuses on improving the discipline and work ethic necessary to contribute to the military branch.Īrmy AIT is currently offered throughout the United States in 11 different states: Regardless, you receive hands-on training and field instruction to prepare for the job role. While Basic Combat Training (BCT) is the same length of time for every new recruit, the same is not true of AIT.Īrmy AIT varies in location and length of training based on the Military Occupational Specialty (MOS). Where is Army AIT training conducted? Advanced Individual Training (AIT) varies depending on the Military Occupational Specialty (MOS). Your MOS is a specific job you will do every day in service to contribute to the military branch.Īrmy AIT teaches you the necessary job skills of the MOS while also building personal character. Army follows a similar path.Īll new recruits in the Army are required to complete Basic Combat Training (BCT), or boot camp.īoot camp in the Army lasts 10 weeks and is required to see if you have what it takes to survive in the military.Īfter completing BCT, you progress to Advanced Individual Training (AIT).Īrmy AIT is considered more enjoyable for recruits compared to Basic Combat Training because you get to focus on your MOS.Ī Military Occupational Specialty ( MOS) is assigned to every new recruit in the Army. The progression for new recruits in the U.S. Related Article – How Hard Is Army Basic Training? What is Army AIT? Learn about the different Army AIT based on their location and the length of time needed to complete the training. Armed Forces.Īrmy AIT, or Advanced Individual Training, is mandatory for new recruits after completing Basic Combat Training (BCT).Īrmy Advanced Individual Training (AIT) teaches the critical job skills needed to serve the military in your new Military Occupational Specialty (MOS). It requires time, commitment, focus, and dedication to survive in the U.S. While the enslavement of African-descended people was more dominant in coastal plantations, the inland haciendas relied upon the dispossession of indigenous peoples. The hacienda system was by its very nature exploitative. In Gran Colombia, these crops could be coffee, coca, sugar, tobacco, or others. Being located more inland than a plantation, and without the ready access to the sea, haciendas had to be agriculturally self-sufficient in addition to producing crops for export. Somewhere between a farm and a factory, the hacienda in Latin America was a large estate, held by a wealthy patron, that became the dominant mode of land ownership during the 19th century. Of course, the Hacienda can be more useful if you have a peaceful approach with Gran Colombia and focus on building up your infrastructure, but this civilization does not have any major bonus towards any other victory condition outside domination. Put this improvement in your major Production hubs, like your Capital or major cities that you just conquered, to keep them growing fast for extra yields, but again, your path to victory does not rely heavily on it. Overall, this is a decent improvement in theory for any civilization that will not go all-out in conquest mode, since it provides a lot of Housing to build up mega-cities with high Population unfortunately, that is just not what Gran Colombia cares about. Gold and Production are great for churning out and supporting a large army, but the amount provided by one Hacienda at this point in the game is not that impressive - not to mention Gran Colombia does not have a starting bias towards Plantation resources, and the Production scaling at Rapid Deployment is too late to have a strong impact. The Housing and Food component of this improvement, therefore, is decent but not as beneficial to Gran Colombia as it is for other, more peaceful civilizations. The main goal is to keep these conquered cities loyal and happy, since when you have an ultra-wide empire from all of your conquering, not every single city needs to be at its most productive. Since Gran Colombia can start their conquest as soon as the Classical Era (when they earn their first Comandante General), by the time the Hacienda is unlocked, they most likely have more cities than they ever need. Unlocked in the Renaissance Era, the Hacienda is one of the latest unique improvements in the game, and it provides Gran Colombia with some welcome bonuses, but not necessary for a pure domination civilization. She soon realizes that exclusion is not simply a political condition but also a personal one.Gorgeously written, deeply researched, and tremendously resonant, Mott Street uncovers a legacy of exclusion and resilience that speaks to the American experience, past and present.Arguably the least impactful piece in Gran Colombian toolkit, the Hacienda is more of a cherry on top for such a powerful arsenal than actual major component to victory. She follows the men and women who became merchants, “paper son” refugees, activists, and heads of the Chinese tong, piecing together how they bore and resisted the weight of the Exclusion laws. She tells of their backbreaking work on the transcontinental railroad and of the brutal racism of frontier towns, then follows their paths to New York City.In New York’s Chinatown she discovers a single building on Mott Street where so many of her ancestors would live, begin families, and craft new identities. Chin traces the story of the pioneering family members who emigrated from the Pearl River Delta, crossing an ocean to make their way in the American West of the mid-nineteenth century. Over decades of painstaking research, she finds not only her father but also the building that provided a refuge for them all.Breaking the silence surrounding her family’s past meant confronting the Chinese Exclusion Act of 1882-the first federal law to restrict immigration by race and nationality, barring Chinese immigrants from citizenship for six decades. Mott Street traces Chin’s quest to understand her Chinese American family’s story. She had never met her father, and her grandparents’ stories didn’t match the history she read at school. Mott Street: A Chinese American Family's Story of Exclusion and Homecoming FullĪ sweeping narrative history of the Chinese Exclusion Act through an intimate portrayal of one family’s epic journey to lay down roots in America* A Good Morning America, TIME, Book Riot, and Kirkus Most-Anticipated Book * As the only child of a single mother in Queens, Ava Chin found her family’s origins to be shrouded in mystery. Join the OfficeTime community at (As much as we'd love to, we can't respond to comments below but always answer our email. 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You get unlimited projects and categories, export by email, rounding, sync to Mac/PC (sold separately) and OfficeTime on your Apple Watch and home screen. * Free Apple Watch version to start and stop tracking on the go! * Work with cross platform offices (sold separately): PC, Mac, iPhone, iPad * Get cross team reports on your Mac or PC (sold separately) * Export to Numbers, Excel and tab delimited. * Improve your productivity by knowing where your time goes * Track your time from your "today" screen with the OfficeTime widget. Visual Budget: Expense Tracker, Office Time Time & Expense Tracking. Wirelessly sync with OfficeTime for Mac or PC (sold separately) for easy invoicing and much more. for example, or you can synchronize them with your primary computer. Designed for freelancers and small teams. Try our other free version and upgrade to this paid version keeping all your data.Įffortlessly capture your hours and expenses. Where other time keepers are clumsy or oversimplified, OfficeTime balances features and ease of use, allowing you to easily track exactly what you do each day. OfficeTime is an amazingly intuitive time tracker. Standalone document (e.g. a valid HTML file including and ), use the -s or -standalone flag: pandoc -s -o output.html input.txtįor more information on how standalone documents are produced, Forīy default, pandoc produces a document fragment. If no input-files are specified, input is read from Markdown to all formats aspire to be perfect, conversions fromįormats more expressive than pandoc’s Markdown can be expected to Some document elements, such as complex tables, may not fit into Of a document, but not formatting details such as margin size. Pandoc attempts to preserve the structural elements Should not expect perfect conversions between every format andĮvery other. Less expressive than many of the formats it converts between, one Users canīecause pandoc’s intermediate representation of a document is Output format requires only adding a reader or writer. Or AST), and a set of writers, which convert this native Representation of the document (an abstract syntax tree Which parse text in a given format and produce a native Pandoc has a modular design: it consists of a set of readers, Lists, metadata blocks, footnotes, citations, math, and Pandoc’s enhanced version of Markdown includes syntax for tables, definition For the full lists of input and output formats, see the Pandoc can convert between numerous markup and word processingįormats, including, but not limited to, various flavors of Markdown,ĭocx. Library for converting from one markup format to another, and aĬommand-line tool that uses this library. Used by professional producers and musicians around the world, for composing, recording, mixing and editing music, the Cubase Pro 12 brings outstanding audio quality, intuitive handling and a collection of highly advanced audio and MIDI tools. That said, if your USB eLicenser is connected when you attempt to activate a licence that can be activated on a soft eLicenser, you should get a dialog asking you which eLicenser you wish to activate the licence on.The Steinberg Cubase Pro 12 Recording Software is the culmination of decades of Steinberg development all rolled into the most cutting-edge Digital Audio Workstation. Arguably the best way is to disconnect your USB eLicenser when activating Cubase Elements so that you cannot accidentally activate Cubase Elements on the USB eLicenser. If you want a Cubase Elements licence to have a DAW without your dongle, you need to activate Cubase Elements on your soft eLicenser. Moving a licence from a soft eLicenser to a USB eLicenser is a one way operation: you cannot move a licence from a USB eLicenser to a soft eLicenser. You can move licences freely to and between USB eLicensers. Licences do not move automatically when a USB eLicenser is connected - you have to drag and drop a licence manually in eLicenser Control Center to move it to a USB eLicenser. If i may comment here, wonder what happens if the user buys another cubase elements 10 license so that he can run it on the same machine without the dongle then would it work? n would the soft license stay intact or would it again get transfered to usb dongle automatically when the dongle is reconnected to the machine If your licence shows in My Steinberg you are able to use the Zero Downtime service if your eLicenser is lost, stolen or stops working. Make sure you are registered for My Steinberg and you choose the option in the Registration option of eLicenser Control Center to register your eLicenser. If all goes OK your Cubase LE licence will be replaced by a Cubase Pro licence, which will be put on the USB eLicenser. You can then “Enter Activation Code” and enter the upgrade code you bought. When you have a USB eLicenser, plug it in and go into eLicenser Control Center. You can activate the licence after the sale ends if necessary. The important thing is to buy your Cubase upgrade activation code before the sale ends - otherwise the price will double. You do not have to buy the eLicenser from the Steinberg online store - if you can buy a Steinberg USB eLicenser elsewhere (it must be one of those and not an iLok or any other dongle), feel free to buy the Cubase licence online and the USB eLicenser elsewhere. Stock on these USB eLicensers has been in short supply because of the popularity of the sale. When you “Add to cart” you will notice that the store has added a USB eLicenser - Cubase Pro 10 requires a ‘dongle’ to hold the licence. Choose “Cubase Pro 10”, “Updates & Upgrades”, then you want to select the upgrade from Cubase LE - which, on my screen, is the bottom option but this might change according to what country you are in. If so, go to the Cubase part of the Steinberg web site, and choose “Buy Cubase 10” from the drop down menu at the top of the screen. Go into eLicenser Control Center and check you have a Cubase LE 10 licence showing. You can upgrade Cubase LE to Cubase Pro 10 - and you can upgrade in the 50% off sale so long as you act before the sale ends on 3 June. Males are typically smaller, and average 6 feet in length. With few exceptions, there is a marked size difference between males and females of this species. Recommended Readingīoas in Captivity The Complete Boa Constrictor Size and Longevity These morphs, though pricey, only add to the intrigue and demand of this species.ĭue to their impressive but manageable size, beautiful colors, and friendly demeanor, Colombian boas make excellent pets for keepers willing to provide the space for an adult specimen. Typically encountered in the jungles, they are a highly adaptable species, and are sometimes found in close proximity to human establishments.Ĭolombian boas are captive bred in large numbers, and a wide variety of amazing color and pattern morphs are produced regularly by a handful of dedicated breeders. They are mainly terrestrial, and are found throughout Colombia and adjacent countries. These tropical snakes are among the most common and well known species in the hobby. Scientific Name: Boa constrictor imperator. 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