It can also factor in a potential mortgage payment and other associated housing costs ( property taxes, homeownership dues, etc.). A mortgage calculator can help to add up all income sources and compare this to all monthly debt payments. A lender will compare the person's total monthly income and total monthly debt load. If one borrows $250,000 at a 7% annual interest rate and pays the loan back over thirty years, with $3,000 annual property tax payment, $1,500 annual property insurance cost and 0.5% annual private mortgage insurance payment, what will the monthly payment be? The answer is $2,142.42.Ī potential borrower can use an online mortgage calculator to see how much property he or she can afford. Mortgage calculators can be used to answer such questions as: ![]() In contrast, mortgage calculators make answers to questions regarding the impact of changes in mortgage variables available to everyone. These tables generally required a working understanding of compound interest mathematics for proper use. Prior to the wide availability of mortgage calculators, those wishing to understand the financial implications of changes to the five main variables in a mortgage transaction were forced to use compound interest rate tables. When purchasing a new home, most buyers choose to finance a portion of the purchase price via the use of a mortgage. There are also multiple free online free mortgage calculators, and software programs offering financial and mortgage calculations. Mortgage calculation capabilities can be found on financial handheld calculators such as the HP-12C or Texas Instruments TI BA II Plus. More complex calculators can take into account other costs associated with a mortgage, such as local and state taxes, and insurance. The major variables in a mortgage calculation include loan principal, balance, periodic compound interest rate, number of payments per year, total number of payments and the regular payment amount. Mortgage calculators are frequently on for-profit websites, though the Consumer Financial Protection Bureau has launched its own public mortgage calculator. Mortgage calculators are used by consumers to determine monthly repayments, and by mortgage providers to determine the financial suitability of a home loan applicant. Please note that the real mortgage rates in Ohio may differ from the rates used in the calculator as default values.Mortgage calculators are automated tools that enable users to determine the financial implications of changes in one or more variables in a mortgage financing arrangement. Try with mortgage terms 15 years vs 30 years, or even consider different types of mortgage - biweekly mortgage schedule or even interest only mortgage. Use this home loan calculator to see different mortgage scenarios, This Ohio mortgage calculator with taxes allows you to see how much money you can save using extra payments.Įven a small additional payment can significantly reduce the term of the mortgage. ![]() You can save thousands in interest over the life of the loan by simply decreasing the interest rate or increasing your down payment. ![]() Ohio Mortgage calculator is a great assistant when choosing a house, it will help to calculate exactly which house you can afford. It also calculates PITI amount (Principal, Interest, Taxes, and Insurance) and total HOA fees during the whole amortization period. This free Ohio Loan Calculator will help you estimate your monthly mortgage payment and see exactly where the money goes - to pay off the body of debt or to repay interest.
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It can import from other formats with the help of command-line conversion tools such as BibUtils. īibDesk can also import records in RIS format. ![]() ![]() Script groups generate their items using any script, either a shell script or an AppleScript, that returns valid BibTeX or any other text format that BibDesk can import.Shared groups contain items that other BibDesk users share on the local network, discovered using Bonjour, similar to local sharing of music in iTunes.External file groups retrieve items from a remote URL on the Internet or from a local file.The Web group displays a built-in WebKit browser that recognizes bibliographic entries on some web pages (such as Google Scholar, arXiv, JSTOR, WorldCat, and Wikipedia) and harvests them (using COinS, h-cite microformat, or BibTeX) for easy searching and single-click import.BibDesk enables one-click importing of references to articles and books listed in these databases and library catalogs. Library of Congress, Web of Science, or any other database searchable via the Z39.50 or Entrez protocols. Search groups retrieve items from external bibliographic databases, such as PubMed, the U.S.BibDesk enables one-click importing of items from several kinds of external groups: Users can add new items to a BibTeX database, and copy items between databases, by dragging or pasting, or by using one of the included macOS services. It supports BibTeX features such as macros and crossrefs. Features īibDesk offers an iTunes-like Cocoa-based graphical user interface for creating, editing, managing, and searching BibTeX databases. Also available directly from SourceForge, it is currently bundled with the MacTeX distribution of TeX Live. ![]() The original developer was Michael McCracken, and much of the code has subsequently been written by Adam Maxwell and Christiaan Hofman. It takes advantage of many macOS features such as AppleScript and Spotlight.įirst launched publicly in 2002, BibDesk is under continuing development by various contributors via SourceForge. It is primarily a BibTeX front-end for use with LaTeX, but also offers external bibliographic database connectivity for importing, a variety of means for exporting, and capability for linking to local documents and automatically filing local documents. It can also be used to organize and maintain a library of documents in PDF format and other formats. net /p /bibdesk /svn /HEAD /tree /īibDesk is an open-source reference management software package for macOS, used to manage bibliographies and references when writing essays and articles. ![]() ![]() North Carolina Governor Roy Cooper signed an order to motion officials on a final decision on a policy that will prohibit the use of TikTok. More than 20 other states have also banned TikTok, owned by Chinese technology conglomerate ByteDance, from state devices including Ohio, New Jersey and Arkansas earlier this week. North Carolina Governor Roy Cooper signed an order directing officials to develop a policy within 14 days that prohibits the use of TikTok, WeChat and “potentially other applications” that present cybersecurity risks on state devices. “In the digital age, defending our state’s technology and cybersecurity infrastructure and protecting digital privacy have to be a top priority for us as a state,” Evers said. In addition to banning Chinese-owned TikTok from state devices, Wisconsin Governor Tony Evers said he was banning vendors, products and services from other Chinese companies including Huawei Technologies, Hikvision (002415.SZ), Tencent Holdings (0700.HK) – the owner of WeChat, ZTE Corp (000063.SZ) as well as Russian-based Kaspersky Lab. The governors of Wisconsin and North Carolina on Thursday signed orders banning TikTok on government devices due to cyber security concerns, joining other states and the federal government in prohibiting the use of the popular video app. Urgent warning over ‘poisonous’ new tanning trendīizarre video of glass bottles rolling down stairs goes viral with 200M TikTok views NYC man makes six-figure salary from TikToks that started ‘as a joke’ It does not store any personal data.LGBTQ influencer condemns nudity in front of minors at Pride events: ‘Neanderthal behavior’ The cookie is set by the GDPR Cookie Consent plugin and is used to store whether or not user has consented to the use of cookies. The cookie is used to store the user consent for the cookies in the category "Performance". This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Other. The cookies is used to store the user consent for the cookies in the category "Necessary". The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional". The cookie is used to store the user consent for the cookies in the category "Analytics". These cookies ensure basic functionalities and security features of the website, anonymously. Necessary cookies are absolutely essential for the website to function properly. Have questions for Sara? Email send her a Facebook message, or tweet at her, Poltrock If you feel like you have time for other forms of social engagement… Tiktok is getting really popular for news personalities! Don’t stress yourself out trying to come up with Insta photo posts every day. When it comes to Instagram – posting to your story is a great way to keep viewers engaged. It will keep your page active and engaging! Twitter lends itself well to multiple tweets a day (great way for you to tease the story you’re working on that day), while Facebook almost seems to penalize you if you post too much (I keep it simple: 3 posts or less a day on FB). It can be as simple as a quick share from your station’s social page or a retweet on Twitter. Whenever you have time! I try to post something on the Big Three at least once a day: Facebook, Twitter, and Instagram. She was also recipient of the WBA’s ‘Best Online Personality” award, placing second. Sara Maslar-Donar is the anchor of WKOW’s Wake Up Wisconsin Weekend morning show and reports for the weekday morning show. It’s a question many journalists likely have. ![]() The new study - from Chapin Hall, a policy research center at the University of Chicago - finds that those who age out of foster care are not exactly falling off a cliff, but they are desperately clinging to the edge. "We need to offer something for these young people other than, 'Here's Option A: Fall off the cliff,' " she says. Zambito says things have come a long way since 10 years ago, when some foster kids here turned 18, put their belongings in a plastic bag and were taken to the nearest homeless shelter because they had nowhere else to go. ![]() "We go from 'you're in foster care, where you may handle $10 a month' to 'you're responsible for everything.' " "We have an abrupt cutoff, like most states," says Diane Zambito, who runs Connected by 25, a Tampa nonprofit that is trying to smooth the transition for former foster care youth. Uneducated - Only 6 percent had a 2- or 4-year degree. Pregnant - More than 75 percent of young women had been pregnant since leaving foster care.Ĭonvicted of a crime - Nearly 60 percent of young men had been convicted of a crime, and more than 80 percent had been arrested. Homeless - Almost 25 percent had been homeless since exiting foster care. Unemployed - Less than half were employed. The report finds that at age 23 and 24, former foster youth are more likely than their peers to be: And that was his first night."įor eight years, researchers have followed about 600 young adults who aged out of the child welfare systems in Iowa, Wisconsin and Illinois. "And then after that, Josh and I, we pretty much just cleaned the apartment up, wiped down the counters, wiped down the cabinets and set up his house. ![]() "The day he turned 18, we went to pick up his check, went grocery shopping, went over a list of what he needs, what his budgets are," says Reschke, who also helped Mendoza pick up some donated furniture and supplies. He helped Mendoza find his apartment, sign the lease and move in. Nick Reschke is Mendoza's transition specialist, a kind of big brother/parent provided to foster youth in the Tampa area. "With the burgers, it kind of got burnt."īut unlike many foster care teens, Mendoza has been getting some help. "Yesterday, I was trying to cook, but I don't think it turned out too good," Mendoza says. The bottom is covered with congealed fat. He looks at a frying pan on top of his new stove. His only cooking experience in foster care was heating soup in the microwave. It's kind of lonely and a challenge, he says. Holiday schedules are subject to input from the New York Stock Exchange (NYSE) and the Securities Industry and Financial Markets Association (SIFMA).Living on your own is a little weird, says Mendoza. Trading hours are usually finalized approximately two weeks prior to the holiday. ![]() Note: This schedule is subject to change. No customer testing is available on Infrastructure & Operations (I&O) Weekend.Details regarding Saturday testing are available in section 7 Saturday Testing of the iLink Session ID Policy and Operational Guidelines.New iLink session IDs can be built and deleted on the Friday before the freeze weekend.During a Freeze weekend, there is no customer testing allowed.HOLIDAYĭATE AND TIME ON WHICH NOTED CME GROUP TRADING CLOSES EARLYĭATE ON WHICH THE CHICAGO TRADING FLOOR IS CLOSED 1:00 a.m., will reopen 6:00 a.m.ĬME Trading Floor will observe the following holidays during the year 2023 which may affect the open and close trading times. Monday, Januat 18:00 ET for the next day’s trade date Monday, Decemat 18:00 ET for the next day’s trade date Unaffected and will run on a normal schedule for the next day’s trade date HOLIDAYĭATE ON WHICH CME CLEARPORT DOES NOT OPEN CME Direct will be available for ClearPort order entry. CME ClearPort will observe the following holidays during the year 2023 which may affect the open and close trading times. ![]() ![]() Gemini comes in four sizes: Gecko, Otter, Bison, and Unicorn. Plus, it can learn from any domain and dataset without being boxed in by predefined categories or labels. It can handle any type of data and task without needing specialized models or any sort of fine-tuning. What makes Gemini special, you ask? Well, Nomadev is here to tell you that Gemini has several advantages when compared to other large language models like GPT-4. Output: The generated outputs are then returned to the use The outputs can be in different modalities based on user preferences. It simply processes the inputs based on the task at hand.ĭecoder: The decoder takes the processed inputs from the model and generates the outputs. The model is task-agnostic, meaning it doesn't need to know the specifics of the task it's performing. Model: The encoded inputs are then fed into the model. This is done by transforming the different types of data into a unified representation. Input: The user provides inputs in various formats - text, images, audio, video, 3D models, graphs, etc.Įncoder: The encoder takes these inputs and converts them into a common language that the decoder can understand. The process can be broken down into the following steps: Then the decoder takes over, generating outputs in different modalities based on the encoded inputs and the task at hand. The encoder's job is to convert different types of data into a common language that the decoder can understand. Gemini uses a new architecture that merges a multimodal encoder and decoder. The different models in the network collaborate, sharing information and learning from each other, making Gemini an incredibly versatile and powerful AI tool. ![]() This network architecture allows Gemini to handle a wide variety of tasks without needing specialized models for each one. It's a network of models, each contributing to the overall capability of the system. This includes text, images, audio, video, 3D models, and even graphs.īut Gemini is more than just a single model. Unlike traditional AI models that are designed to handle one type of data, Gemini is a multimodal intelligence network, capable of processing multiple types of data and tasks simultaneously. Gemini, short for Generalized Multimodal Intelligence Network, is Google's latest leap in the field of artificial intelligence. Google is gearing up to completely revolutionize the AI industry with a new project they've been working on, and it goes by the name of Gemini. Hello there, fellow tech enthusiasts! It's Nomadev here, and today we have something truly exciting to talk about. ![]() You can mix and match parts from different themes by giving them the same name. Whether the file works or not will depend on what codecs the file has, and whether those are available on your machine.The filename isn't important, but the file extension must be supported (.This will be loaded as a background video, with sound. ![]() The filename isn't important, but the.It will be left aligned, and you can pick its vertical alignment in the associated. This will be loaded as the left side image.It will be centered, and you can pick how to stretch it in the associated.This will be loaded as the background image.You can open that file to use as a template for your own themes, or just use it. ![]() It will create a folder in Themes called Ugly Kulu-Ya-Ku.
Partners in this effort are Kline Design and Construction, Chris Evans, Home Depot, the Town of Vail, Vail Public Library and the teens who built and painted the libraries, and Gene Walker who mounted the doors and hinges of each Little Free Library. Everyone is welcome to join the organization as a steward, sign-up for the free weekly e-newsletter, or follow them on social media. Our libraries will be registered with and they will be on the Little Free Library World Map. Click here if you would like to make a donation to the Little Lending Library. The library will delight children and adults alike. Folks don’t need to feel obligated to make the one-to-one exchange each time but in order to keep books that are current, favorites and in good shape, we do encourage people to give some thought and love to the exchange. The free little lending library provides an opportunity to provide books seven days a week. The basic idea is to take a book, return a book. The little libraries will become the neighborhood’s responsibility to keep in good condition, orderly and fun. I wanted one of these for a long time and with the pandemic, I actually had the time to sit down and research little libraries, what they are, different models, etc. Don’t you love the feeling of finishing a great book and wanting to share it with a friend? Well, this is a perfect platform for that exchange. Lifestyle How does a little free library work SeptemI recently built a little free library, also commonly known as a lending library in front of my home. ![]() Maybe this custom treehouse style lending library is your style. ![]() If that’s the case, this is a total winner. Although we are the original stewards, these little libraries are the property of the community. Perhaps you’re looking for a prairie style lending library. With the help of many partners, we have collectively built and readied five little free libraries to be placed around Vail and the valley. Obviously blue whales, like all animals, excrete feces and expel gases as a byproduct of their metabolism, a process that could likely be considered a fart by Does It Fart? standards. So, although some of the farts in this book may not fit the strict medical definition of flatulence, they would generally be accepted as a fart to any human encountering them. This, therefore, is the definition used throughout this book. Today the term fart is more commonly used to describe any gas expelled from the end of an animal that is opposite to its mouth-whether this be through the anus, cloaca or a specialized duct-and if it is audible or not. The word "fart" dates back to the fourteenth century, before the term flatulence came into use, and was used specifically to mean breaking wind loudly. Does It Fart provides an admittedly broad definition: These two interpretations could come down to how a fart (referred to in scientific circles as flatus), is defined. The delphinids, particularly the bottle dolphin, have been observed in captivity for years, as far as I know, there is no indication of expulsion of rectal gas. This is true of delphinids (dolphins) and balaenopterids (blue whale and relatives). ![]() ![]() That means they generally do not have the ability to store fecal material or gas. they are animals that have places that they sleep and they don’t want to “foul the nest”.Ĭetaceans, on the other hand are generally not specifically tied to any one area of water and they dispose of their feces continually. Terrestrial mammals have a strong anal sphincter and they accumulate the fecal material to dispose of it in certain places, i.e. "As far as I can determine," said James Mead, Curator Emeritus of Marine Mammals at the Smithsonian Institution via e-mail, "cetaceans do not fart." Cetaceans, the taxonomic group that includes whales, dolphins, and porpoises, he argues, do not really have the ability to build up gas, thanks to their comparatively relaxed anal sphincter - the anal muscle that keeps things air- and watertight most of the time: Not everybody, however, agrees with this conclusion. Whale researchers who have been downwind of these bouts of flatulence report them to be incredibly pungent. Given their size, whale farts are remarkably elusive and have only been captured a handful of times on camera. ![]() Whales, in accordance with their body size, have huge digestive systems, containing a number of stomach chambers which, in the case of the blue whale, combined can hold up to one ton of food. ![]() Blue whales, Balasnoptera musculus, which are currently the largest animal on the planet, likely emit the largest volume (per fart) of any extant species. According to Nick Caruso and Dani Rabaiotti’s aptly titled book Does It Fart?, however, blue whales do, indeed, fart:Īs you can imagine, whale farts are incredibly large. For example, do whales actually fart?īlue whales, krill-eating baleen whales that are largest creatures known to planet Earth, spend most of their time underwater spread out over extremely large ranges, making the observation of farts (and other behaviors) difficult to study. In fact, there appear to be disagreements over even the most elementary aspects of the question. It brings us no joy to report that whale fart science appears too primitive a field of study to produce a clear answer to that query at the moment. One of the most popular flatulence related marine biology "facts" on the internet is the claim that the diameter of a single bubble of flatulence produced by a blue whale could be large enough to contain a horse: |