![]() ![]() In addition to your DTI ratio, lenders may look at your credit history, current credit score, total assets and loan-to-value (LTV) ratio before deciding to approve, deny or suspend the loan approval with contingencies. Enter your monthly gross income, debt expenses, down payment and. Our debt-to-income calculator looks at the back-end ratio when estimating your DTI, because it takes into account your entire monthly debt. Use our home affordability calculator to estimate how much of a mortgage you can afford. When browsing real estate listings for a new home, the first step is to figure out how much mortgage you can afford. If your lender requires a DTI of 36, this ratio is too. Divide this by 6,600 to get a DTI ratio of 42. For example, let’s say that your total debt, including the new mortgage, is 2,800. Calculate your debt-to-income ratio by dividing your total monthly debt by your monthly household income. Lenders often look at both ratios during the mortgage underwriting process - the step when your lender decides whether you qualify for a loan. Your total gross monthly income would be 6,600. Recurring monthly debt payments may include: Homeowner's association (HOA) dues (if applicable)īack-end ratio is the percentage of income that goes toward paying all recurring, minimum monthly debt payments, in addition to the monthly mortgage costs covered by the front-end ratio.See how refinancing with a lower mortgage rate could save you money. Are you ready to purchase a home for the first time Can you afford a mortgage payment The Mortgage Affordability Calculator will help you estimate a home. Mortgage insurance premium (if applicable) Try ’s refinance calculator to find out if you should refinance your home.There are two kinds of DTI ratios - front-end and back-end - which are typically shown as a percentage like 36/43.įront-end ratio is the percentage of income that goes toward your total monthly mortgage costs, such as: averages at the state-wide level: Illinoisans spend 21 of their incomes on. A debt-to-income ratio is the percentage of gross monthly income that goes toward paying debts and is used by lenders to measure your ability to manage monthly payments and repay the money borrowed. In Illinois, the Land of Lincoln, housing affordability roughly tracks U.S. ![]()
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![]() Script: “ Dear Professor, I am writing from (where you are), where I am (what you are doing). on my fridge from a former student who just started her dream job, and it made my day when it showed up in my mail a week or so ago. Studying overseas you’re in a prime position right now to send people postcards, right? Beautiful photo of faraway location + a very short space to write a message + no expectation of reciprocity + person gets nice mail that is not a bill or a flyer = thoughtful and not-intrusive. Since the burden of keeping in touch is definitely on the former student, what matters isn’t the professor’s expectation about whether you’ll keep in touch (we don’t really have one), but your wish to keep in touch and what you do about it.įor you, I recommend postcards. It’s okay if it’s just a platitude – that’s why platitudes work, because you can take them seriously or ignore them if you want to with no hard feelings. I’m delighted when they get jobs, make great work, marry each other (that one Production 2 class was a hotbed of romantic glances, let me tell you!), and their success in life is my psychic carrot.īut I do not hold “keep in touch!” as an ironclad contract, no more than “friends forever!” was when it was written in a high school yearbook. I teach college, and I definitely like to hear what former students are up to. I really like this post from The Awl on how to get and keep a mentor. But I really would want to maintain some sort of contact even if I didn’t have grad school aspirations/need someone to say nice things about me.ĭo you (or the Amazing Awkward Army) have any ideas on what is the most appropriate/least awkward thing to do here? So I might be requesting references at some point in the next few years. Is there some sort of script that could work in this situation?įull disclosure: While there are no immediate grad school plans, I do want to go back eventually. I feel like I’m imposing on their busy schedules if I ask questions about them/their lives, but I feel self-centered if I only give information about my life. I’ve thought about emailing small updates, but every time I sit down to write one it feels awkward in a way I can’t quite put my finger on. Question 2: If they do really want to keep in touch, what are some appropriate, non-awkward ways to do that? Question 1: Do professors *really* want to keep in touch? Or do they just say that to make you feel better as you leave the comfort of the college bubble? We all said the familiar refrain: “Let’s keep in touch!” ![]() Before I left, I visited my university and said goodbye to my friends and professors (and let them know about my moving/work plans). I moved to Japan for work about 6 months after I graduated, and I’ve been here ever since. I was able to form some awesome relationships with my professors and some administrators (most of whom were my bosses for part-time jobs or internship supervisors). I graduated from a small liberal arts college in May 2011.
![]() ![]() It provides the illusion of depth and freshness, without really delivering any substance. Sometimes he’ll say things that don’t really gel with your actions (for instance, saying The Kid “doesn’t stop” even if you’ve not moved the character) and it’s made far, far too obvious just how blatantly scripted it is. I’d go as far as to say that Bastion‘s narrator does nothing that hasn’t been seen already in inXile’s A Bard’s Tale, which earns more credit due to the fact that it was more entertaining. He’s not really that dynamic, only making a few token comments on fairly standard activities. It’s worth noting that the narrator, despite all the hype surrounding his ability to dynamically commentate your progress, is mostly a case of smoke-and-mirrors. You only have a rough idea of where enemies are on the map thanks their 2D nature, so missing an opportunity is far from uncommon. The perspective and art also conspires with the targeting system to make combat doubly irritating. Thanks to the 2D art and isometric perspective, it’s all too easy to fall off the game’s many, many ledges and lose valuable hit points. The whole “floating dungeon” gimmick leads to frustration as well, despite looking incredibly cool. Ranged attacks are just as likely to miss as to hit, while melee is often a total crapshoot. Close-quarter combat consists of bare-bones button mashing, and the auto-targeting system barely works. Even the art style, as pretty as it is, makes one think of the types of casual RPGs you see advertised on Web site banner ads, a feeling enhanced by the rudimentary animation. For all its style and attempts at depth, Bastion plays no better than an average browser-based free-to-play MMORPG. Sadly, it also has some glaring problems and often fails to live up to the lofty goals it has set itself. Countering becomes a crucial way of dealing with projectiles later in the game, as sending a missile back to its owner is a quick way of dealing with annoying foes.Īt its heart, Bastion is a collection of wonderful ideas with heaps of promise. Players get to choose two weapons (though if he discovers a new weapon in the field, one of his choices will automatically - annoyingly - get replaced), one secret technique, and his trusty shield, which can counter attacks when used to block at the right moment. Any number of Gods can be activated once discovered, meaning players can fine-tune the level of challenge with an eye to gaining more loot. Activating a God at the shrine creates effects in dungeons, such as making enemies tougher or quicker, but the reward is greater XP and cash. There is also a cool risk/reward system in place with Gods. Passive abilities are equipped as various tonics, and allow The Kid to carry more health potions or withstand greater attacks. These are often tied to specific weapons, although there are standalone skills, such as the power to summon a “Squirt” monster as a friendly accomplice. ![]() From there, find the Video Gameography channel under "Community Spaces.The Kid has access to Secret Techniques, which are found in the dungeons or bought in shops. If you'd like to get in touch with the Video Gameography podcast, you can email us at You can also join our official Game Informer Discord server by linking your Discord account to your Twitch account and subscribing to the Game Informer Twitch channel. ![]() Join hosts Marcus Stewart ( John Carson ( and Prima Games staff writer Jesse Vitelli ( for an entertaining and informative chat about the history and narrative of Bastion! You can also decide which one of us does the best narrator impression. We'll discuss Bastion's unorthodox development cycle (it had no pre-production phase), the origins of beloved elements such as its narrator and soundtrack, and how the game's success launched Supergiant into stardom. Developed under two years entirely in co-founder Amir Rao's father's living room, Bastion gave the upstart team a chance to create the game of their dreams after spending years working for triple-A studios. We kick things off by examining their debut outing, Bastion.īastion launched on Xbox Live Arcade on July 20, 2011, and was created by a ragtag team of seven friends that formed the core of Supergiant (all of whom remain at the studio today). That studio is Supergiant Games, acclaimed indie developer of Bastion, Transistor, Pyre, and Hades. We've emerged from the depths of the BioShock series to begin a fresh season of Video Gameography! We're doing things differently this time as we're discussing the gameography of a developer rather than covering an individual game series. ![]() ![]() ![]() ◆ Monitor the performance of your network and connected devices: NAS, servers and other network devices.It’s been 6 months and an ongoing pandemic since our last traditional TV update, but it’s time for us to dive into viewing patterns again. ◆ Check your ISP is providing the speed and quality you're paying for. ◆ Help troubleshoot Internet performance problems and slowdowns. ◆ Track how much Internet data you're using to make sure you don't go over your monthly allowance. ◆ Help determine the optimum placement of your Wireless Access Point for maximum performance or troubleshoot slow WiFi. ◆ Monitor the speed and quality of your Internet connection. ◆ Much of PeakHour is now written in Swift, resulting in better performance and stability. ◆ PeakHour can now track daily usage quotas, as well as monthly. Targets can now be manually enabled and disabled. ◆ The main PeakHour window is now resizable horizontally, allowing you to increase the horizontal width to see more of the real-time, scrollable graph. ![]() It can also be enabled under Preferences > Display. ◆ Dark Mode: PeakHour now has a cool new look if Dark Mode is enabled in System Preferences. PeakHour Enabler now uses iCloud to sync your Mac's information to PeakHour adding them now takes just a few clicks. ◆ Monitoring other Macs on your network has also never been easier. ◆ Monitor This Mac: Easily monitor network interfaces on the Mac that PeakHour is installed on (note: requires a small, free add-on to enable). By default, First Time Setup will add a Connection Quality monitor for your Internet connection. This type of monitoring works by regularly pinging a target on the Internet (either the other side of your Internet conneciton or a specific host on the Internet - i.e. ◆ Connection Quality: You can add now a new type of monitor: Connection Quality. ![]() By default, First Time Setup will try to find your UPnP devices, enable SNMP and monitor your local Mac and set up monitoring of your Internet connection. ◆ All new First Time Setup: PeakHour 4 includes a brand new, simplified setup wizard to make it easier to get the most out of it. Add to your phone or tablet's home screen for a fast, web-based app available at the tap of a button. From any device, point a (modern) browser at the Mac running PeakHour to see a real-time view of your targets and usage. ![]() ◆ PeakHour Remote: Access PeakHour from anywhere. PeakHour 4 can send email alerts or system notifications as you reach certain usage thresholds. PeakHour 4 can also track individual total usage and can also track your Internet usage if you're on a capped or limited monthly allowance. Data is collected over time and can be analysed in the powerful History view, which lets you see previous collected data for any time period at adjustable levels of detail. PeakHour 4 can also analyze the quality of your connection, showing ISP and Internet congestion in real-time. PeakHour 4 gives you a real-time visual view of how much bandwidth your devices are using. PeakHour 4 is perfect for monitoring your compatible network devices*: Internet, WiFi, NAS, servers and more. Click the 'Digitician Web Site' link to the right or visit for more information > We strongly recommend that you visit our web site for information about compatibility. PeakHour 4 lets you visualise network traffic for compatible routers and network devices. PeakHour 4 is a beautiful, network bandwidth and network quality visualiser that lives in your Mac OS menu bar and provides instant and historical views of throughput and quality for your Internet, WiFi and other compatible devices. ![]() ![]() ![]() However, I will say that while Resident Evil 3 Remake has been fantastic to play it does have some faults. Each game builds on the horror and increase the ever-expanding lore. I am a bit biased when it comes to the Resident Evil franchise as it sits at the top of a long list of favorite video game franchises. RELATED: Geek Girl Authority Crush of the Week: Jill Valentine Can it Get Any Better? Jill radioing back to Carlos while trying to lose Nemesis. It also adds in an additional way to handle the boss fights rather than just kiting and unleashing an entire magazine of ammo. This blends well with the game’s much faster-paced action feel. With some quick thinking, there is a chance Jill can narrowly miss a finishing blow from Nemesis and slow things down for just a moment to get back the upper hand. Though with more zombies, new enemies, and the unstoppable Nemesis, are we ever actually in control? Spoiler alert, the answer is no, but we sure like the look around us as things spiral out of control.Īside from graphic updates, the game features a new dodge mechanic for Jill and what I have dubbed the “super punch” for Carlos. Following the playstyle of recent Resident Evil games, the game is set to over the shoulder perspective to give players more control. The graphic update isn’t the only thing driving Resident Evil 3 Remake forward. The realistic look helps to give players the feeling they are right there in the action. The graphics look phenomenal and help to build the world in which we get to explore throughout the game. The team at Capcom used the RE engine to give a much-needed update to the game. RELATED: Quantum Error Cosmic Horror Trailer Released by TeamKill Media Much Needed Updateįans of the Resident Evil franchise have been waiting patiently for a visual update to 1999’s Resident Evil 3: Nemesis since the launch of Resident Evil 2 Remake last year. I just wish they had expanded further to create a game longer than six hours where the constant push to complete the objective left the game feeling far shorter. It feels canonically in line with the franchise while still standing out as its own game. The other characters within the game feel flushed out as well through the use of cut scene encounters and information picked up through interactions and notes left behind.Ĭapcom really hits the nail on the head when it came to overhauling the story for the remake. Jill comes into contact with major characters early on in the story including fellow protagonist Carlos Oliviera and antagonist Nemesis. Resident Evil 3 Remake progresses from story beat to story beat as the player completes each level and it really feels like a true natural progression. Fans of the original will catch on real quick to the changes, but they do make the game feel more complete. One change is the death of Brad Vickers at the hands of Carlos and not Nemesis. ![]() The game doesn’t stray too far from the original but does take this time to make a few minor continuity changes. Resident Evil 3 Remake follows main protagonist Jill Valentine, a true queen of the survival horror franchise, as she attempts to escape Raccoon City and coincides with the events of Resident Evil 2 Remake. However, unbeknownst to Jill, an extremely powerful pursuer has already been dispatched to eliminate her.Jill wielding her signature shotgun. With the viral plague spreading through the town and to her very doorstep, Jill is determined to survive. However, soon reports of a grisly "cannibal virus" begin to surface, and vicious dogs begin roaming the streets. members try to make this truth known, but find that the police department itself is under Umbrella's sway and their reports are rejected out of hand. Jill Valentine and the other surviving S.T.A.R.S. has been investigating the case, and have determined that the pharmaceutical company Umbrella and their biological weapon, the T-Virus, are behind the incidents, though they've lost several members in the process. A specialist squad of the police force known as S.T.A.R.S. has been investigating the case, and have determined that the Fight your way to freedom from the brink of despair A series of strange disappearances have been occurring in the American Midwest within a place called Racoon City. Summary: Fight your way to freedom from the brink of despair A series of strange disappearances have been occurring in the American Midwest within a place called Racoon City. ![]() ![]() ![]() The Wallet Selector is available in the desktop version of the Opera Crypto Browser and currently supports standard EVM web3 interface-based wallets (EIP-1193). “Opera is the only browser truly ready for this shift and the only one offering web users all the tools they need to give Web3 a try in a safe environment," said Susie Batt.Īccording to the company, the browser is also shipping the innovative ‘Wallet Selector’ which makes it easier for the user to interact with dApps. Susie Batt, Crypto Ecosystem Lead at Opera said that the upcoming Merge is the most important technological update in the history of crypto and expressed anticipation for the Ethereum ‘s shift from PoW to PoS mechanism. ![]() This was seen as a significant move towards bringing cryptocurrency and Web3 to mainstream. Once the currency is stored, it allows a user to access a selection of Web 3 apps in the dApp (Decentralised application) store. A user needs to purchase some Ether (ETH) and store it in the Opera Crypto Wallet. It makes actual Web3 transactions simpler. Opera crypto browser provides secure and private Web3 experience to its users. J9phEQdeDa- Opera Crypto September 13, 2022 & more wallets available for next level Web3 browsing. It has tweeted out the information stating that Opera Crypto Browser ‘unveils the industry’s first Wallet Selector,’ and informed that it has added MetaMask and TrustWalllet for ‘next level Web3 browsing.’ĭon’t be stuck with a Web2 browser, Opera Crypto Browser unveils the industry’s first Wallet Selector! □ Pick which wallet extension you want to interact with a given Dapp. The announcement was made by the Opera Crypto via social media. MetaMask is one of the leading crypto wallets that enables users to store Ether and other ECR-20 tokens. It should be considered as an important update at a time when the Ethereum network is going through a transition from Proof-of-Work consensus to Proof-of-Stake model which is expected to happen this week. Opera Crypto browser is a Web3 focused browser that has come out with its updated version with wallet selector, domain handles and more. We believe Web3 has to be easy to use in order to reach its full potential and mass adoption.Opera Crypto browser has announced integration of third party wallets such as MetaMask into its browser ahead of the Ethereum Merge. The Opera Crypto Browser Project was built to simplify the Web3 user experience that has often been bewildering for mainstream users. “The interest in Web3 is continuing to grow. ![]() Speaking on the latest launch, Arnesen said, They want a greater user experience and a genuine advantage.” ![]() EVP Mobile at Opera, Jorgen Arnesen, at the time proclaimed, that Web3 will eventually become a “standard web technology, and consumers won’t even realize they’re dealing with it. The move was touted as the platform’s “ big leap towards web3“. The platform’s serious rendezvous with the “next generation of the internet” began last month when the firm announced enabling support for eight major blockchains including Solana, Polygon, StarkEx, Ronin, Celo, Nervos, IXO, and Bitcoin. In 2018, Opera became the first online browser to incorporate a built-in bitcoin wallet with Web3 accessibility. It also uses cryptocurrency mining protection to block crypto-jacking scripts.Īpart from that, Opera also introduces a news and data aggregator called Crypto Corner, which focused on providing real-time crypto information and updates, asset prices, and gas fees, as well as crypto events, airdrops, and even podcasts. The browser comes with security features like an ad tracker, pop-up blocker, and cookie dialogue blocking. ![]() ![]() ![]() Analysts remain cautious about the company’s future prospects, and investors should approach the stock with caution. Bed Bath & Beyond Inc is set to report its earnings on June 28, 2023, which will provide insights into the company’s financial performance and future prospects. The company reported an EPS of -$1.18 and sales of $1.4B for the current quarter, indicating significant challenges in generating revenue and potential financial difficulties. The current consensus among the two polled investment analysts is to sell stock in Bed Bath & Beyond Inc, based on the company’s financial health, growth potential, and overall market conditions. Two investment analysts have offered 12-month price forecasts for BBBYQ, with a median target of 2.00, but the high and low estimates are also 2.00, suggesting a lack of consensus among analysts. The company’s stock closed at a price of 0.22 on June 13, 2023, significantly lower than its 12-month median target price of 2.00. Bed Bath & Beyond Inc (BBBYQ) Stock Analysis: Experts Predict Sell Recommendation Ahead of Earnings Reportīed Bath & Beyond Inc (BBBYQ) is a popular American chain of retail stores that specializes in home goods and furnishings. On platforms like Reddit's WallStreetBets. Truist praised the lender’s ability to increase its deposits and use those funds to make. Shares of Bed Bath & Beyond ( BBBY 16.87) were climbing again today as the short squeeze on the struggling home furnishings retailer continued. View Bed Bath & Beyond Inc BBBYQ investment & stock information. The net profit margin for BBBYQ was -7.11%. The firm increased its price target on SOFI stock to 11 from 8 while maintaining a buy rating. Bed Bath & Beyond (BBBY), a housewares retailer now seeking bankruptcy protection, is the most dramatic example yet of the perils of meme-stock. The next reporting date for the company is June 28, 2023, and the EPS forecast for this quarter is -$1.18. BBBYQ operates in the retail trade sector and specializes in the specialty stores industry. The market cap for the company was $98.0M. The day’s range for the stock was between $0.22 and $0.23, with a volume of 12,209,157. ![]() On June 13, 2023, BBBYQ opened at the same price as its previous close, which was $0.22. Please provide a valid Ticker BBBYQ Opens Steady at $0.22 with $98.0M Market Cap in Specialty Stores Industry Stay up to date on the latest stock price, chart, news, analysis, fundamentals, trading and investment tools. If a deal is reached with, the remaining physical stores of Bed Bath & Beyond would be closed down, according to insiders familiar with the ongoing talks. A high-level overview of Bed Bath & Beyond Inc. ![]() This bid has made the stalking horse bidder for Bed Bath & Beyond, giving them the first opportunity to bid on the remaining assets of the company. Bed Bath & Beyond went public in June 1992, making its IPO on the NASDAQ stock exchange, where its stock continues to trade under the ticker symbol BBBY. On June 13, 2023,, an online retailer, made a unique move by placing a $21.5 million bid for some of Bed Bath & Beyond’s assets, which includes its intellectual property. ![]() ![]() To view the full range of semi transparent, colour and graphic vinyl, visit one of our tint stores.įill in the quote form below or contact one of our Tint Stores today to learn more. Metallic, matte colours, high gloss, colour flip and even textured variations like carbon or fabric are availableįor long term use adhesives can be permanent (7-10 years in this case) or low-tac removable for temporary installations. 3M™ Light Management Films – these films can be patterned or diffuser films to control the light coming through. ![]() 3M™ Reflective Graphic films are ideal for low light safety situations where signage needs to be easily visible. 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Hemoglobin also carries carbon dioxide from other parts of your body to your lungs so that it can be exhaled. ![]() Hemoglobin is an iron-rich protein found in red blood cells that allows the cells to carry oxygen from your lungs to other parts of your body. Your pregnancy might need special care if you're Rh negative and your baby's father is Rh positive. Rh factor is an inherited trait that refers to a protein found on the surface of red blood cells. Lab testsĪt your first prenatal visit, blood tests might be done to: Depending on your situation, you may need exams of your heart, lungs and thyroid. You might need a Pap test, depending on how long it's been since your last Pap test. Your health care provider might do a physical exam, including a breast exam and a pelvic exam. To find out how much weight you need to gain for a healthy pregnancy, your health care provider will measure your weight and height and calculate your body mass index. Typically, if the due date calculated with your last period and the due date calculated with an early ultrasound differ by more than seven days, the ultrasound is used to set the due date. Your health care provider can use a fetal ultrasound to help confirm the date. The due date will be about 40 weeks from the first day of your last period. To estimate your due date, your health care provider will use the date your last period started, add seven days and count back three months. Your due date also helps with scheduling tests and procedures, so they are done at the right time. It allows your health care provider to monitor your baby's growth and the progress of your pregnancy. Still, establishing your due date - or estimated date of delivery - is important. Few people give birth on their due dates. ![]() It's simply the date that you will be 40 weeks pregnant. Your due date is not a prediction of when you will have your baby. ![]() This will help your health care provider take the best care of you - and your baby. Share information about sensitive issues, such as domestic abuse or past drug use, too. Travel to areas where malaria, tuberculosis, Zika virus, mpox - also called monkeypox - or other infectious diseases are common.Your lifestyle, including your use of tobacco, alcohol, caffeine and recreational drugs.Medications you take, including prescription and over-the-counter medications, vitamins or supplements.Exposure to anything that could be toxic.Your personal and family medical history.Your menstrual cycle, gynecological history and any past pregnancies. ![]() ![]() ![]() In our collection of the greatest LL Bean promo code Reddit, you'll find current ones that are working now.ĭon’t forget the A mazon promo code Reddit, Zappos promo code Reddit and H&M 15 off because you can get huge bargains on special occasions. ![]() When you shop at, many of these coupon codes can save you a percentage or a cash amount on your purchase. 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Harassment, stalking, and posting of one's personal information is not allowed here, and any users that post any of the above will be given the boot and reported to Admins.LL Bean is a global online retail company that specializes in clothing and outdoor recreation tools with over 100 years in business. This is to keep the sub true to its purpose- talking about L.L.Bean Links to ANY website that is not relevant to discussing L.L.Bean will be removed. This is a sub for discussion and questions about the company Feel free to contribute, and do not hesitate to ask any questions!įirstly and most importantly, keep discussion civil, but do not be hesitant to voice your opinions. Here, one can find the latest news and sales from New England's foremost outdoor outfitter. Built to last, all of its gear is guaranteed to satisfy. The company, headquartered in the place in which it. From the highly sought after Bean Boots to its everyday backpacks, L.L.Bean embodies the rugged and hardworking lifestyle of Maine and its people. L.L.Bean is an American privately-held retail company that was founded in 1912 by Leon Leonwood Bean. L.L.Bean is not just a retail company- it is a lifestyle. ![]() |
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