Erpétologie générale ou histoire naturelle complète des reptiles. Venomous Snakes of Africa - Giftschlangen Afrikas. African Herp News (27): 21 - get paper here Philadelphia 1859: 332-347 - get paper here Catalogue of the venomous serpents in the Museum of the Academy of Natural Sciences of Philadelphia, with notes on the families, genera and species. Amphibian & Reptile Conservation 15(2): 244–278. Contributions to the herpetofauna of the Angolan Okavango-Cuando-Zambezi river drainages. BAPTISTA, LUKE VERBURGT, CHAD KEATES, JAMES HARVEY, TIMOTEO JULIO & GOTZ NEEF. Exploration into the hidden world of Mozambique’s sky island forests: new discoveries of reptiles and amphibians. Loader, Michele Menegon, Cristóvão Nanvonamuquitxo, Michael Scott, Krystal A. Les serpents d’Afrique occidentale et centrale. Chippaux, Jean-Philippe & Kate Jackson 2019.Biological Journal of the Linnean Society, Volume 128, Issue 2, October 2019, Pages 251–262, - get paper here Life history and age-dependent mortality processes in tropical reptiles. Cayuela, Hugo Godfrey C Akani, Emmanuel M Hema, Edem A Eniang, Nioking Amadi, Stephanie N Ajong, Daniele Dendi, Fabio Petrozzi, Luca Luiselli 2019.Journal of Proteome Research 6(7):2732-2745 - get paper here Snake venomics of bitis species reveals large intragenus venom toxin composition variation: application to taxonomy of congeneric taxa. California Academy of Sciences Memoir 28: 145–186 Amphibians and Reptiles of Monts Doudou, Gabon: Species Turnover Along an Elevational Gradient. African Journal of Herpetology 53 (1): 35-61. The reptiles of southeast Katanga, an overlooked 'hot spot'. The Herpetofauna of Northern Mwinilunga Distr., Northw. Natural hybridization between the puff adder and gaboon viper in Zululand (Serpentes: Viperidae). A check list of the reptiles of Tanzania, with synoptic keys. A Photographic Guide to Snakes and Other Reptiles of Southern Africa. H.H.Jonhston on the Rio del Rey, Cameroons District, W. A List of the Reptiles and Batrachians collected by Mr. The Herpetological Journal 21: 59-64 - get paper here Potential effects of climate change on high- and low-abundance populations of the Gaboon viper (Bitis gabonica) and the nose-horned viper (B. Bonn zoological Bulletin 60 (1): 35-61 - get paper here The reptiles (Testudines, Squamata, Crocodylia) of the forested southeast of the Republic Guinea (Guinée forestière), with a country-wide checklist.
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That's why almost everyone flocks to real estate. That's not the case with these other big industries.ĭo you know who would be responsible on a construction site for approving drone operations? What is a drone service deliverable for a construction site anyway? Additionally, who you need to talk to (real estate agents) makes sense. (Photo source: )įrom the surface, the problem (showcasing the area and uniqueness of a property) and the deliverables (short video and photos) are as straight forward as they get. There's a reason most new drone operators decide to do real estate videos and photos: it's simple to understand.ĭrone real estate videography and photography are simple to understand. That's where the advice from the Drone Deploy CEO comes in: start with what you know. Knowing what deliverables a drone can provide that saves a company a 5x return on cost is also difficult. Understanding the problems of an industry can be very complex. We had a group of about 25 people in our "deep dive" discussing service providers.Įssentially it was a group who are enthusiastic about drones and the technology, but have no real idea where we can apply it and make money. Lesson 2: Pick and Industry and Become an Expert Which leads us to the second lesson I learned. This type of thinking was was a huge shift for me during the conference. So instead of thinking up a "brand new way drones can be used", the approach should be how can drones be used to solve problems that already exist. Software is the best example of this: everything from email (snail mail) to payroll (pad, paper, and countless hours) have been made more accessible and cheaper for companies. They are tools to reduce costs companies already have. Really though, it should be how drones can substitute tasks that industries already pay for.ĭrones are just like any other new technology that disrupts industries. And more importantly, how I can apply drones TO an industry. Something on the weekends, and maybe make an extra $500-$1,000 per month.īut I've been more focused on ME. See, I have been thinking about how to use drones as a side-income for me. Lesson 1: Drones to Solve Problems Industries Already Pay ForĪs someone who is absolutely excited about the possibilities in the drone space, I needed to take a step back. To put that in perspective, those two industries alone are predicted to account for nearly 74% of the commercial opportunities over that same time span. Construction and agriculture projected to be 74% of the $23+ billion commercial drone industry over the next 4 years. Eplision-11 was a Mobile Task Force created specifically for the SCP Containment Breach base game.They will also spawn in with Night Vision Googles if SCP 966 is active within the facility.Įpsilon 11's objective is to extract any surviving SCP Staff, terminate or capture any Class D and eliminate all Chaos Soldiers and SCPs.Īnnoucement heard when E-11 enters the facility. NTF operators are also given a tactical grenade which is randomly chosen between a Flashbang or Smoke Grenade, though some public servers may spawn all MTFs with both. They will spawn in with a loadout including a primary weapon (Randomised between M4A4 or SPAS-12), a Desert Eagle handgun, Radio Transmitter, Omni-Level Keycard, small first aid kit, Handcuffs and box of ammo. If a MTF spawn wave occurs, a facility-wide annoucement will play, annoucing the arrival of the squad and warning personnel to avoid attempting to escape, instead allowing the squad to extract them first. Spawn waves will occur every 5-10 minutes). MTF Operators will spawn on the surface of Gate B when a escapee successfully escapes under Foundation watch, or during their designation spawns times ( Chaos Soldiers and MTF alternate spawn waves with the MTF squad taking first spawn. On the back of their armour displays the SCP Foundation logo. They have the words E-11 in white inside a red box on their shoulders. MTFs are identified by their armour, with orange arm coverings and a gas mask. And as such is the Mobile Task Force deployed to deal with the containment breaches, resulting in the alternate abberation for MTFs ingame, NTF. Mobile Task Force Unit Epsilon 11, codenamed "Nine-Tailed Fox" is a specialised task force dealing with the Foundations internal security, such as the containment breach occuring in Site. They are the best the Foundation has to offer. Mobile Task Forces (MTFs) are elite units comprised of personnel drawn from across the Foundation and are mobilized to deal with threats or situations. MTFs are a Security reinforcement role whose objective is to bring the facility under control and recontain or terminate any hostiles within the facility. For the enemies in single player, please visit the single player wiki's article of the topic here. This article covers the MTF role in Multiplayer's Breach Mode. Individuals can use the SDI to gain a better understanding of their own motivations, strengths, and communication preferences. This knowledge can be used to improve their leadership effectiveness and develop more supportive, cohesive teams. This increased self-awareness and understanding can facilitate more effective communication, collaboration, and conflict resolution within the team.Īs part of leadership development programs, the SDI can help leaders identify their strengths and areas for growth in communication and conflict resolution. The SDI is often used in team-building exercises to help individuals understand their own and their teammates’ communication styles and motivations. How is Strength Deployment Inventory used? By evaluating these motivational values, the SDI helps individuals understand their behavior and communication preferences, particularly during times of conflict. The SDI uses a series of questions to assess an individual’s motivation in three primary areas: people (altruistic and nurturing), performance (assertive and goal-oriented), and process (analytical and systematic). Developed by clinical psychologist Elias Porter in the 1970s, the SDI is based on the Relationship Awareness Theory, which posits that understanding one’s own and others’ motivations is essential for effective communication and conflict resolution. The Strength Deployment Inventory (SDI) is a self-assessment tool used to identify an individual’s motivational values and core strengths, as well as their preferred communication and conflict-resolution styles. Hold the container 4-6 inches from the skin to apply.Spray sunscreen liberally and spread evenly by hand 15 minutes before sun exposure.Designed to protect your skin from UV rays, so you can have a fun day in the sun. 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The glorious structure is characterized by its beautiful stained-glass panels, its magnificent domes, pillars and arches. The beautiful Romanesque structure was built in the year 1898, and its elaborate design was specifically planned in order to employ a large number of workmen for its construction, in a time when Australia was going through recession and it is one of the best Sydney tourist places. The Building was named thus to commemorate the Diamond Jubilee of the long reigning monarch. One of the grandest structures housed on mainland Australia, the Queen Victoria Building is a magnificent shopping plaza sprawling across the length of an entire block. Moreover, for tourists who would like to go the local way - Opera Bar and Bulletin Place are the top picks! Therefore, leaving no scope for disappointment amongst foodies. It also houses the Gateway food court which comprises 25 varieties of fast dining options. Being a centre point, Circular Quay also becomes the starting point of many tours - guided walks, special food cruise tours, tall ship tours, and several others. The area is surrounded by some of the most renowned restaurants like Aria Sydney, Quay, and Bennelong and also by rooftop cafes which offer beautiful harbour views. Walsh Bay, the world’s largest steel arch bridge, Barangaroo Reserve and the Barangaroo precinct are a few to name. From here, tourists can also board buses and trains that run in regular frequencies to iconic tourist destinations such as bus 333 that goes to Bondi beach.Walking along the shores of Circular Quay, visitors can witness spectacular views that lead up to several attractions. And acts as the main junction for ferry and cruise departures with a ship leaving almost every minute. 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All foreign nationals must share their passport and visa details at the time of arrival and entry.The local operator will email you the meet up information after your booking Meet up with your guide on Stanley St in Darlinghurst as it may change depending on the date and what bars are open.Latecomers or no-shows can't be refunded.Arrive at the meet-up location 15 minutes before the scheduled activity time.This activity is not stroller and wheelchair-accessible.Overseas driver's licences are acceptable, however, photos on your phone are not.
Beginning on January 12, opening night will feature the first-ever onstage presentation of jazz drummer Terri Lyne Carrington’s New Standards Live project. UPDATE 1/13/22: Beginning tomorrow (Friday, Jan. As always, I plan to spend most of my time at the Hot Jazz Festival Stage in the Django (at the Roxy Hotel in Tribeca) but there’s something for everyone on Friday and Saturday nights.įor further info and tickets, please visit www.winterjazzfest. The NYC Winter Jazzfest is returning for its 19th year in mid-January, with a weeklong series of events at over a dozen venues with over 70 performers total. This year, there’s a strong political motivation to a lot of the performances (don’t tell me you didn’t see that coming!) but overall it’s a highly equal-opportunity representation of the general state of the music at the start of 2017. The annual NYC Winter Jazzfest went gloriously big for its 10th anniversary, stretching to five days rather than the usual two, and reaching a total audience of 7,500. Dozens if not hundreds of bands and artists are all performing within a short walk from each other, and it’s all available for one reasonable price. Contact CNY Jazz Donors 2022-2023 Mission History Testimonials Board & Staff Executive Director. As it has been for the last 12 years, the Winter Jazz Fest is centered in multiple venues mostly in the West Village and is timed to coincide with the annual Association of Performing Arts Presenters convention (which is mostly at the New York Hilton and other midtown environs). Syracuse Jazz, Central New York Jazz, Jazz Education, Year-round Jazz, Jazz Musicians. This long running annual event is often described as a marathon, but it’s more like a long-distance smorgasbord, a mega-buffet of all the various styles and subdivisions included under the general umbrella of the term jazz. We have dome homes with an “ignition proof” exterior surface, while building with wood from sustainably managed American forests. Our dome structure can handle winds in excess of 200 MPH (322 KPH). It provides a safe living space due to its shape and extreme structural strength. The dome is extremely flexible and adaptive. We chose the geodesic dome because it provided a method of building that is now called Sustainable Construction. We build what we call “environmentally sane” housing. Natural Spaces Domes has been designing, manufacturing, and building domes since 1970, always taking into account the local climate and environment. And it’s a hot topic! 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Add a co-borrower: Having another person, such as a family member, spouse, partner, or other trusted friend apply for the loan with you can also help.Consider taking on a side gig or asking for a raise to bump your pay up a bit. Increase your income: Raising your income by even just a little bit each month can also help reduce your DTI.Pay down or pay off your debt: The lower your monthly debt payments are, the lower your DTI will be, which will improve your chances of qualifying for a loan.If your current DTI doesn’t qualify you for a mortgage, there are steps you can take to improve your ratio: Tips for improving your debt-to-income ratio The CFPB shows the median DTI of conventional borrowers is 37%. There are tighter restrictions for DTI on “manual underwrites,” including a 36% to 45% cap on back-end DTI depending on your credit score and the amount of cash you have for reserves. On conventional loans, the maximum back-end DTI is 50%. In fact, according to the CFPB, the median DTI for VA borrowers is 42%. The VA technically sets a maximum back-end DTI or 41%, but because military members often receive a lot of tax-free income that isn’t calculated into these ratios, lenders are free to go beyond the 41% threshold with no limits. The CFPB shows that 36% is the median DTI for USDA borrowers. On USDA loans, also sometimes called rural housing loans, the DTI requirements are 29% on the front-end and 41% on the back-end. According to the Consumer Financial Protection Bureau, the median DTI of FHA borrowers is 44%. Your front-end DTI must be 31% or less (33% for EEH loans) without compensating factors. If you’re applying for an FHA Energy Efficient Homes (EEH) mortgage, the DTI maximum goes up to 45%. On these mortgages, you can have a back-end DTI as high as 43% and still qualify, or even higher if there are compensating factors. Here’s a quick look at what the general, minimum DTI requirements look like by loan type: Loan typeįHA loans tend to have looser qualifying requirements than other loan types. What DTI ratio do you need for a mortgage?ĭTI requirements vary by loan type, so the threshold you’ll need to fall under will depend on what type of mortgage you choose. Generally, the back-end DTI is the most important consideration for a lender, as it more accurately reflects how comfortably you can afford your new mortgage each month.įind Out: How to Find the Best Mortgage Lender įor example, if the mortgage you’re applying for would cost $1,200 per month, and you also have a $500 student loan payment, and a monthly income of $6,000, then your front-end DTI would be 20% (1,200 / 6,000 x 100). Back-end DTI: This is used more widely by lenders because it takes into account all your debts.would be) compared to your monthly income. Front-end DTI: This includes just your housing related debts (what your expected new mortgage payment, taxes, insurance, etc.Technically, there are two types of DTI ratios that lenders look at when considering a mortgage application: (Total monthly debt) / (Gross monthly income) x 100 = DTI This includes your house payment, credit cards, other loans, and more. Next steps to finding the right mortgageĪ debt-to-income ratio (DTI) is expressed as a percentage, showing how much of your total monthly income goes toward debt payments each month. Tips for improving your debt-to-income ratio.What DTI ratio do you need for a mortgage?.Here’s what you should know about mortgage DTI ratio: One of the most important is your debt-to-income ratio, which indicates how much of your income your monthly debt takes up.Ĭalculating your DTI is fairly easy and is a good way to gauge what mortgage loans you might be eligible for when buying or refinancing a home. There are many factors that lenders evaluate when considering you for a mortgage. NMLS # 1681276, is referred to here as "Credible." Although we receive compensation from our partner lenders, whom we will always identify, all opinions are our own. Our goal is to give you the tools and confidence you need to improve your finances. Maxwell raises his hand to attack the spider using shadow magic, but nothing happens. After recovering from his fall, a Spider approaches him with aggressive intent. It starts with Maxwell falling out of a portal and being dropped into his own world. The story was split into 4 pages plus a secret video. H.E.I.R.- Morse code hidden in the static played after the Ragtime stops playing (only happens after the fifth puzzle)Īfter clicking on all the roses of the panels in each letter of the hidden ChARLIE name, found earlier written in black-red in the borders in page 2, in the same order of H-E-I-R, a secret video and page 4 will be unlocked. This will unlock the rest of the page 3 and also make the page 2 full of roses, part of the sixth puzzle The fallen trap in the very right of the second panel.The stick Wilson is holding in the first panel.This puzzle will unlock, then Ragtime will start playing in the background In the bottom of the page, there was a hidden ASCII art of Maxwell Statue, on it there was one of the numbers 4, 7 and 16, varying between users. Words Ode, Book and Line were hidden in the page. On the last panel of page 1, click on the fire, it will reveal Wilson's camp. The flowers will not disappear once you collect them (This may not always work depending on your browser settings) Second Puzzle () The Garland Ĭollect all the 11 flowers on the ground and Maxwell's Rose on the last panel. This word is hidden in the trees in the 11th panel.Īfter entered, shadow creatures will be revealed chasing and surrounding Maxwell Once players complete the Cyclum Puzzles and receive the in-game gift item, the Tragic Torch, players can proceed on to the Metheus Puzzles. Tragic Torches received before reopening received a quality update to Timeless. Upon completion, players were gifted the Tragic Torch skin in game. On, the Cyclum puzzle was reopened for completion to all players. For the purposes of saving a participant's progress and rewarding them with the torch, it is required for the user to log into Steam to advance the puzzle. Reaching the last step of the puzzle would reward players with the Tragic Torch cosmetic Skin for use in Don't Starve Together. In some cases the page may also require participation from the page visitor to advance further. Starting from Apuntil the 29th, the Cyclum web page would update daily revealing a new piece of the comic and puzzle. The Cyclum Puzzles are a set of comic panels that explain the gap between the events of Maxwell's freedom and the events of Don't Starve Together. |
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