If the borrower receives a gift from an acceptable donor who has lived with the borrower for the last 12 months, the gift is considered the borrower’s own funds and may be used to satisfy the minimum borrower contribution requirement as long as both individuals will use the home being purchased as their principal residence.įor minimum borrower contribution requirements for transactions that contain grant funds, employer assistance, and Community Seconds, refer to B3-4.3-06, Grants and Lender Contributions B3-4.3-08, Employer Assistance and B5-5.1-02, Community Seconds Loan Eligibility.įor additional information, see B3-4.3-04, Personal Gifts. See B5-6-02, HomeReady Mortgage Underwriting Methods and Requirements, for HomeReady mortgage minimum borrower contribution and down payment requirements. 1 After the minimum borrower contribution has been met, gifts can be used to supplement the down payment, closing costs, and reserves. The borrower must make a 5% minimum borrower contribution from his or her own funds. All funds needed to complete the transaction can come from a gift.Ī minimum borrower contribution from the borrower's own funds is not required. All funds needed to complete the transaction can come from a gift. Minimum Borrower Contribution Requirement from Borrower’s Own FundsĪ minimum borrower contribution from the borrower’s own funds is not required. The following table describes the minimum borrower contribution requirements for transactions that contain gifts. This article came from the October 2014-Vol45-2 edition of the bulletin.Minimum Borrower Contribution Requirements Licensees should be well aware and well versed in the risks posed to their clients, whether buyer or seller, before engaging in a short sale transaction. But they do not make the pit-falls and problems inherent in short sale transactions any less significant. The changes implemented by Fannie Mae are designed to stream-line the short sale process. Non-arms length transactions require full documentation including 2 years federal tax returns and Fannie 1004. Non-arms length and Conflict of Interest transactions are transactions in which there is a relationship or business affiliation between the borrower, seller, and/or lender. Fannie Mae, as lienholder, is an interested third party and must approve the short sale therefore Fannie Mae is owed a duty of honesty and fair dealing in the transaction. Fannie Mae HomeReady Product Description. Licensees should also keep in mind that in a short sale transaction, once an offer has been submitted to the lender, all subsequent offers must also be submitted to the lender, even after an offer has been accepted by the seller. While the attestation is new, the requirement to deliver all offers to a seller is not.Ĭommission Rule 58A.0106(a) requires that all agency agreements, contracts, offers, leases, or options affecting real property be delivered immediately, but in no event more than five (5) days after execution. The affidavit has now been updated to include an attestation from the listing broker affirming that all purchase offers have been presented to the seller/borrower and that no offers have been held or concealed. Since 2012 Fannie Mae has required that all parties involved in a short sale, including real estate brokers, sign that affidavit at the time of closing to confirm that the transaction was conducted at arm’s-length. Practically, this change means that all short sale properties now must be listed with a licensed real estate professional who is not the borrower before Fannie Mae will approve an offer.įannie Mae has also announced a change to its Short Sale Affidavit (Fannie Mae Form 191). With the release of Servicing Guide Announcement SVC-2014-09, the mortgage giant announced changes to some short sale servicing requirements which took effect on August 1, 2014.įor all new short sales in which Fannie Mae is the lender, borrowers will be prohibited from listing their own property. Upgrades to the Fannie Mae web portal aren’t the only changes that will affect brokers in North Carolina. Potential clients considering selling property through the short sale process should be directed to consult with a licensed attorney. While this may appear to be a welcome change to the process, licensees should bear in mind that in North Carolina negotiating the settlement of a debt and counseling a seller or buyer on the legal or tax implications that may result from a short sale are both considered the practice of law. Other features rolling out soon will allow brokers to negotiate and receive first lien approval directly from Fannie Mae. With the recent upgrades to its web portal, Fannie Mae now allows real estate professionals to submit problems in short sale transactions directly to a representative.
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The M4 is a highly versatile assault rifle that can be kitted out for any number of combat situations owing to its huge variety of attachments.Īlready possessing good range, damage output, and recoil control, you may what to improve these aspects further, or you may decide you'd like to make the gun lighter and more mobile.
If you are using a wireless mouse, then make sure that your mouse’s batteries are full. You can try blowing on the sensor or using compressed air to clean your mouse’s sensor.Ĭheck that your mouse is connected to your computer (if using a wire), or try a different USB port. Turn your mouse upsideĭown and take a look under the hood. It could be that over time a bit of dust has been built upon the sensor, or a single hair is blocking and confusing the sensor. You can find up-to-date mouse drivers by navigating to your mouse’s manufacturers website or using an automated driverĪnother common cause for a mouse moving by itself is having a dirty mouse sensor. Out-of-date drivers could be incompatible with your operating system and thus causing problems for your mouse. Below we have listed a potential solution to fixing a mouse that is moving by itself. In that case, you should get your mouse fixed or buy a new one.įortunately, you are not alone, mouse moving by itself is another common problem reported by our visitors. Your mouse’s circuit board could be malfunctioning and interpreting a single click as a double click. You can try using compressed air to get the dust out of your mouse by blowing under and around your mouse’s buttons.Īnother common mouse double-clicking cause is a defective mouse. Mouse double-clicking is usually caused by dust building up inside the mouse. For this test, the order of your side buttons doesn’t matter, and it is only important the illustration reacts to your mouse Usually, you can configure it from your mouse’s control panel. If a wired mouse works, the issue is with your wireless mouse – either the mouse is broken, or you forgot to connect the receiver. If changing the mouse’s batteries doesn’t help, try connecting a wired mouse to your computer. If you are using a wireless mouse, the solution could be as simple as replacing your mouse’s batteries. Unplugging your mouse and connecting it to another USB port can fix the problem for you. Sometimes dust can end up inside a USB port, or sometimes the USB port stops working altogether. You can update your mouse drivers by either navigating to your mouse’s manufacturer’s website or using an automatic driver finding software, such Here’s a list of solutions to fixing your mouse’s buttons: Update your mouse’s driversīy far, the most common issue that causes mice not to work is outdated mouse drivers. Fortunately, usually, the problem is easily fixable and only takes a couple of minutes. One or more mouse buttons not working is the most common problem that we receive from our users. Below, you can find solutions to the mostĬommon problems that our visitors have had and solutions to these problems. If a part of the illustration didn’t turn blue, or the illustration doesn’t react to your mouse clicks at all, then the issue lies within the mouse and you have failed the mouse click test. Lots of word games that involve making words made by unscrambling letters are against the clock - so we make sure we're fast! Test us when you're next against the clock. Give us random letters or unscrambled words and we'll return all the valid words in the English dictionary that will help. Where else can Unscramblex help?įinished unscrambling cardiac? Test us with your next set of scrambled letters! We're quick at unscrambling words to maximise your Words with Friends points, Scrabble score, or speed up your next Text Twist game! We can even help unscramble cardiac and other words for games like Boggle, Wordle, Scrabble Go, Pictoword, Cryptogram, SpellTower and a host of other word scramble games. Find English words made by unscrambling letters cardiac. Please see our Crossword & Codeword, Words With Friends or Scrabble word helpers if thats what youre looking for. We found a total of 34 words by unscrambling the letters in subsumez. Using the word generator and word unscrambler for the letters S U B S U M E Z, we unscrambled the letters to create a list of all the words found in Scrabble, Words with Friends, and Text Twist. Click on the words to see the definitions and how many points they are worth in your word game! Above are the results of unscrambling subsumez. sebum 4 letter Words made out of subsume muse 2). We have unscrambled the letters cardiac (aaccdir) to make a list of all the word combinations found in the popular word scramble games Scrabble, Words with Friends and Text Twist and other similar word games. 6 letter Words made out of subsume sebums 5 letter Words made out of subsume muses 2). How many words in cardiac? There are 32 words found that match your query. Unscrambled valid words made from anagrams of cardiac. All solutions for 'Include' 7 letters crossword clue & answer - We have 21 clues, 47 answers & 180 synonyms from 3 to 21 letters. Word unscrambler results | Unscramble letters cardiac Words made from letters cardiac The Czech Republic backed up their Group C win over Spain by defeating South Korea in Valencia, but world number one Novak Djokovic could return to action for Serbia against hosts Spain on Friday. Select the account you want to set up for your direct deposit or pre-authorized payment. You can also sign on to CIBC Online Banking ® to retrieve the form. Visit your local branch to order new checks, drop off your check reorder form, or make changes to your name and address. Payroll, Direct Deposit or Pre-Authorized Payment Form (PDF, 180 KB) Opens in a new window. Meanwhile, the United States suffered their first defeat in Group D, losing to the Netherlands in Split. Fill out the form to set up your direct deposits and pre-authorized payments. Great Britain face Switzerland in their second group match on Friday, with qualification for the last eight set to go down to the hosts' final game with France on Sunday.ĭefending champions Canada cruised past Sweden for a second straight Group A win in Bologna, despite being without Felix Auger-Aliassime, Milos Raonic and Denis Shapovalov. You can apply for and hold an unlimited number of Emirates NBD cheque books. Davis Cup: Great Britain's Draper & Evans earn wins against Australia The display has rounded corners that follow a beautiful curved design, and these corners are within a standard rectangle. Cheque books can be issued for AED, USD, GBP and EUR currencies, depending on the type of account you hold.That kept alive Australia's hopes of qualifying from Group B for the quarter-finals in Malaga in November. But Alex de Minaur beat Ugo Humbert 7-6 (7-2) 6-3 before Purcell and Matt Ebden won the deciding doubles rubber 7-5 6-3 for last year's runners-up. You can order, reorder and track the status of your personal checks by choosing Services under the Customer Service menu in Regions Online Banking. Ordering checks directly from your bank is usually the most expensive route, but its possible to find a lower-priced supplier online. We also preferred the binding on the MyPublisher and Apple books, which seemed sturdier to us than the process used by Shutterfly and Kodak.Īll four programs offer a similar way to view the photos that you will use in your book. While Shutterfly’s software and book were better than Kodak Gallery, we still favored the ease of use and finished products from iPhoto and BookMaker, respectively, over the Web-based services. It offers the best combination of automatic and manual adjustments, with options for adding personal style. But Apple doesn’t offer the peek-through cover window or the leather cover.Īpple’s iPhoto did the best job of letting us design the books. Its beautiful full-page photos that bleed to the edges of each page were stunning, and MyPublisher’s new peek-through cover (a framed rectangle in the cover’s center allows the title-page photo to be seen) was the most appealing cover of the four books.Īpple’s book was almost as nice and had the full-bleed pages. The book that we created using MyPublisher BookMaker was the most attractive overall. While we found Apple’s software for designing the books to be the best, we preferred the finished product received from MyPublisher to the book we got from Apple, even though they were both produced on MyPublisher’s equipment. We preferred both the creation process and the finished books from MyPublisher and Apple over the newer, Web-based entries from Shutterfly and Kodak. Additional pages cost a dollar in iPhoto and Shutterfly, $1.49 for MyPublisher BookMaker and $1.99 with Kodak Gallery. Each book had the same photo on the cover, and we chose classic black leather for each cover, except for the Apple book, where we used black linen because leather isn’t offered.Įach company’s book costs about the same - $30 for a hardcover with up to 10 double-sided pages, and $40 with a leather cover. Using about 40 of the same digital photographs each time, we created photo books using MyPublisher BookMaker, Apple’s iPhoto, Shutterfly and Kodak EasyShare Gallery. We couldn’t judge a fourth factor, turnaround time, because our deadline required us to ask the companies to rush the books out more quickly than they usually do. We focused on three things: how easy and flexible the book-creation process was how attractive and sturdy the finished books looked and how much the books cost. So, my assistant Katie Boehret and I set out to compare the books produced by these four companies. I have long been a fan of these bound photo books because I believe they provide an impressive way to save important memories. Three of these services also offer cheaper, smaller softcover books, and MyPublisher says it believes its low-end books can one day compete with snapshots. The new, wider availability of hardcover books provides another in the increasing number of options designed to tempt digital-camera owners to turn their pictures into hard copy. The two new entrants don’t use MyPublisher to produce their books, and because they are Web-based they don’t use software that resides on your personal computer to design the books as MyPublisher and Apple do. Now, two of the big online photo-printing services, Shutterfly and Eastman Kodak‘s EasyShare Gallery (formerly known as Ofoto) also have begun offering bound photo books, along with their usual assortment of cheesy photo gifts such as mugs and mouse pads. Shutterfly books offers another way to print and display your digital photos. Spoiler: We will also answer the question “Are there snakes in New Zealand?” in this article. You could visit a new beach every day for over 27 years If you want to read some mind-blowing facts & you’re not sure where to look, then check out these 100 awesome facts that will truly make your. Seals, eels and stingray are also abundant in New Zealand’s waters. 100 Crazy Facts To Truly Blow Your Mind Jack De Graaf. In the ocean waters, a boat trip is often accompanied by dolphins and sometimes whales. Reptiles are a little more elusive, made up with the likes of geckos and the tuatara known as the “living fossil” or “living dinosaur”. Another part of New Zealand wildlife is reptiles. As a result, you may find that many birds in New Zealand are likely to come to check you out when hiking in the forests as they don’t see you as a threat. Some lizards, such as the dragon lizard, will eat the eggs of other. The average weight of a platypus is about 1.5 to 5.3 pounds. Platypus has webbed feet and its tail is highly effective in storing significant fat reserves. The fur prevents the animal from catching cold as it serves to insulate it in cold water. This often includes grass and other leafy plants, small insects such as crickets and beetles, berries, and seeds. The platypus has a broad tail and dark brown fur. With no land predators, except for birds of prey, birds in New Zealand evolved into a mix of flightless birds and melodic forest birds. While lizards may not drink much water throughout the day, they have a varied diet that provides them with the nutrients they need. Museums, wildlife sanctuaries and conservation centres will educate you on New Zealand’s fascinating wildlife mostly made up of birds, reptiles, insects and not to mention the marine wildlife! The platypus (Ornithorhynchus anatinus) is an unusual mammal. That’s right, New Zealand isn’t just all about the sheep… Learning about how wildlife evolves on an isolated set of islands in the South Pacific is just an added bonus to backpacking around New Zealand. A platypuss bill is an extended lip which is covered with sensory cells which detect electrical charges generated by the muscles of prey species moving through. Extension task is credit of TES user TristanJones. The second lesson is more advanced and features linear graphs as lines of symmetry. The symmetry elements that a molecule (and any other 3-D object) may possess are discussed below. Two lessons on reflection: An introduction which focuses on symmetry and reflecting simple shapes with a fully differentiated main task. The symmetry of a molecule or ion can be described in terms of the complete collection of symmetry operations it possesses. In a rotation, the line of points that stay in the same place constitute a symmetry axis in a reflection the points that remain unchanged make up a plane of symmetry. 8.6 reflections and symmetry 1 1 of 21 8.6 reflections and symmetry 1 Dec. The symmetry element consists of all the points that stay in the same place when the symmetry operation is performed. Translations, Rotations, Reflections, and Dilations M7G2.a Demonstrate understanding of translations, dilations, rotations, reflections, and relate symmetry to. Transformations Translations, Reflections, and Rotations (also known as Slides, Flips, and Turns) Mel Balser EME 4401 NovemSunshine State Standards and National Educational Technology Standards MA.C.2.2.2: The student visualizes and illustrates ways in which shapes can be combined, subdivided, and changed - predicts, illustrates, and verifies which figures could result from a flip. Each symmetry operation has a corresponding symmetry element, which is the axis, plane (2-dimensional), line (1-dimensional) or point (0-dimensional) with respect to which the symmetry operation is carried out: 1) Line (Reflection) Symmetry: A figure has Line (Reflection) Symmetry if a line can be drawn. For example, if we take a molecule of water and rotate it by 180° about an axis passing through the central O atom (between the two H atoms) it will look the same as before. Could frame thy fearful symmetry - William Blake. \)Ī symmetry operation is an action that leaves an object looking the same after it has been carried out. Mastering these skills can help you get the most out of your Splunk investment. Monitoring and troubleshooting Splunk deployments These skills are important for anyone who wants to use Splunk effectively, whether they are a beginner or an experienced user. What are the top Splunk skills?Ī: Some of the top Splunk skills include basic searching and reporting, dashboards and visualization, advanced searching and reporting, workflow actions and alerts, and Splunk administration. Rather, it should be used in conjunction with these tools to provide a more comprehensive view of your data. However, it is important to note that Splunk is not a replacement for traditional monitoring and logging tools. Splunk is a powerful tool that can be used to gain insights into a wide variety of data sets. Additionally, Splunk can be used to monitor and troubleshoot IT infrastructure, application development, and business processes. The main use of Splunk is to provide insights into the behavior of systems and users, as well as to detect and diagnose problems. What is the main use of Splunk?Ī: Splunk is a software platform that enables users to collect, index, and analyze data from a variety of sources. Therefore, while coding is not required, it can be beneficial to know how to code when using Splunk. Additionally, many of the features in Splunk are accessed via code. For example, if you want to create a custom search or report, you will need to know how to code in order to do so. However, knowledge of basic coding concepts can be helpful when working with Splunk. Does Splunk require coding?Ī: No, Splunk does not require coding. New users should be able to get up and running quickly with the help of the comprehensive documentation and support resources available.Ĭertstaffix Training offers training courses on Splunk. While Splunk can be complex and require some training to use effectively, it is generally easy to learn. It can be used to troubleshoot issues, gain insights into system performance, and more. Read Our Splunk Skills and Learning Guide Is Splunk easy to learn?Ī: Splunk is a powerful platform for collecting, analyzing, and visualizing data. What Splunk Skills Should I Learn?Ī: If you are wondering what Splunk skills are important to learn, we've written a Splunk Skills and Learning Guide that maps out Splunk skills that are key to master and which of our courses teaches each skill. Self-Paced Splunk eLearning courses cost $300 at the starting point. Splunk training costs are listed per student. How Much Do Splunk Training Courses Cost? Subscriptions last 6 months from time of purchase or payment. Pick up where you left off easily and replay as needed. Self-Paced eLearning modules area available that allow you to start and stop as needed. Whether you’re new to Splunk or you’re looking to take your skills to the next level, Certstaffix Training can help you get the most out of this powerful data analysis tool.Ĭertstaffix Training offers courses to learn Splunk skills. Our Splunk courses online cover topics such as installing and configuring Splunk, using Splunk for log analysis, and creating Splunk dashboards and reports. Splunk is a powerful tool that can be used by businesses of all sizes to gain insights into their data.Ĭertstaffix Training offers a variety of Splunk online training designed to help users get the most out of this powerful software platform. It can be used to troubleshoot and investigate issues in real time, as well as to create reports and dashboards to visualize data trends. Splunk is a software platform that enables users to collect, monitor, and analyze data from any source. You can easily fact check it by examining the linked well-known sources.Ī flood of cold molasses in Boston killed 21 people, injured 150 and destroyed buildings. Related Topics to explore further why molasses flood? The reason it was so deadly is because it was cold outside, which made the molasses cold and stiff, preventing people from escaping the goo.Ī molasses tank burst in Boston caused molasses to rush down streets at speeds of 45 MPH with the ability to rip buildings off of their foundations in an event that is known as the Great Molasses Flood In 1919 there was a flood of Molasses in Boston that killed 21 people, injured 150, and flattened buildings. 21 people and several horses were killed and about 150 people, horses, and dogs were injured. In 1919 a large storage tank in Boston, MA containing as much as 2,300,000 US gallons of molasses burst, unleashing a wave of molasses 25 feet high, flooding several city blocks about waist-deep. In 1919, 2.3 million gallons of molasses flowed through North Boston at 35 mph, killing 21 and injuring 150. In 1919 in Boston a vat containing 2,300,000 gallons of molasses burst and flooded many city blocks in 2 to 3 feet of molasses killing 50 Locals still say even now that “on a hot day you can still smell the aroma of molasses.” In the Great Molasses Flood of 1919 in Boston, the walls of the molases tank that collapsed was the same type of steel used on the TitanicĪbout the Great Molasses Flood of Boston which killed 21 people from either metal shrapnel from the burst tank or. Here are 46 of the best facts about Molasses Flood Book and Molasses Flood Anniversary I managed to collect. In my opinion, it is useful to put together a list of the most interesting details from trusted sources that I've come across answering what american city was flooded by molasses. What american city was once flooded by molasses? The Great Boston Molasses Flood claimed the lives of 21 people. SJanuary 15, 1919, a 50-foot-tall steel tank filled with 2.3 million gallons of molasses collapsed on Boston’s waterfront, disgorging its contents in a 15-foot-high wave of molasses that traveled at 35 miles per hour. While investigating facts about Molasses Flood 1919 and Molasses Flood Simulation, I found out little known, but curios details like:Ī large molasses storage tank burst in Boston in 1919, creating a massive flood of molasses which killed 21 people and injured 150, it became known as the 'Great Molasses Flood' how did they clean up the molasses flood? |
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