That’s assuming that you make the $50 a month payment consistently and that you do not have an interest-only loan with a variable rate.Įven one-time payments can help you pay down your loan balance, since they go directly to the principle of the loan. For example, if you make an additional $50 payment per month on that $200,000 interest-only loan with a 4.5 percent interest rate, you will reduce the amount of interest you pay by $12,116.25 over the life of the loan, and you will gain $18,000 in equity. Whatever amount you pay can help you pay down the balance, and you can decide the amount based on your current financial circumstances.Įven small amounts can make a big difference. The difference between making extra payments and making a traditional mortgage payment is that you choose how much you pay, and you can change the amount each month if you choose to do so. That way, when you are ready to sell, you aren’t taking as big a risk in case your home does not appreciate as much in value as you originally anticipated. At the end of the loan term, you would owe more than when you started it.īy making an extra payment toward your mortgage each month, you can help to pay down your principle, helping to create a buffer against fluctuating mortgage prices. In some cases, you may even develop a negative amortization, not paying the full interest on the loan in pursuit of paying even lower monthly payments. The primary drawback of an interest-only loan is that you don’t build any equity while you are paying it. Others may choose them because they plan to flip the home for a profit within a relatively short time, and they don’t want to spend more money than they have to before the sale. Some people may choose them in the beginning so they can afford a larger house before they start making more money at work or get the big promotion they were expecting. People choose interest-only loans for a number of reasons. With the interest-only loan, you save yourself hundreds of dollars per month. With a conventional 30-year, fixed-rate mortgage with the same interest rate, you would pay $1,073.64 per month. As a result, you lower your payment as much as you possibly can.įor example, if you have a $200,000 loan with a 4.5 percent interest rate, you will pay $750 a month with an interest-only loan. Just like the name says, you only pay the interest on the loan, rather than the principle. Interest-only loans offer a flexible financing option for those who need to reduce their monthly mortgage payment. Making Extra Mortgage Payments on an Interest-Only Loan
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That said, we were treated with a personal tour by a fabulous guide, Catherine. My daughter bought me a tour of the Chattanooga Whiskey Experimental Distillery for my birthday and we visited on February 19th while COVID restrictions were still in place. I recommend it if you have any sort of interest in the history, making, and tasting of whiskey or alcohol in general. We are very glad we decided to stop by and do this tour, and we consider it one of the best experiences we had while visiting Chattanooga. I was surprised by the range of aromas and flavors in the flight, and I found myself really enjoying most of the whiskeys even though I never considered myself much of a liquor person. Kate explained the whiskeys to us, and gave a helpful tutorial on how to get the most out of the tasting experience. The tasting was predictably the highlight of the whole thing. The whole thing was interesting and I have a greater respect for the craft of distilling after the tour. It is a small facility, but Britt did a great job of explaining the process, and she patiently answered our novice questions. We then had the chance to tour the areas where experimental batches are distilled and kept in barrels. Our tour guide, Britt, gave a thorough rundown of the interesting history of whiskey in Chattanooga. We have very little whiskey experience but we’re excited to learn about the craft, and this experience did not disappoint. Tours are about $15 per person, and they come with a tasting flight. Note that the tour sizes are small right now (6 people) and walk ins are accepted, but you can reserve by phone. My wife and I attended an afternoon tour on a whim. But, there is also a major disadvantage of melanism for these big cats. The leopard’s dark coloration may help it better camouflage at night, warm faster in the sun, and even ward off parasites. Melanism is found in about 11 percent of leopards globally, but most of these leopards live in the forested habitats of Southeast Asia. Scientists stated that the last confirmed sighting of a black leopard on the African continent was in 1909 in Ethiopia. The only difference between a black leopard and other leopards is the color of its coat. This mutation affects the regulation of melanin, resulting in an overproduction of dark pigments and the black coloration. Its distinct coat coloration is caused by a genetic mutation called melanism, which has the opposite effect of albinism. The black leopard photographed using a Camtraptions Camera in Kenya. Photo Credit: Burrard-Lucas PhotographyĪnother unique animal was seen in Kenya last year at the Laikipia Wilderness Camp- an elusive African black leopard, also known as a black panther. Piebald deer, however, are protected in fewer states, and this protection is often based on how much of the deer’s coat is white. It is illegal to kill albino deer, which lack all pigment and are completely white, in several states, including Illinois, Iowa, and parts of Montana, Tennessee, and Wisconsin. Piebaldism also makes deer susceptible to predation as they are easier to see with white coloring. It can also cause an array of possible deformities, including changes to skeletal alignment like short legs and curved spines. Piebaldism does not just affect coat coloration. That makes this characteristic very rare, affecting less than two percent of the white-tailed deer population, according to David Osborn, wildlife research coordinator at the University of Georgia Deer Research Facility. Piebaldism is a recessive trait, which means both parents must carry the recessive gene for this coat coloration in order for them to produce a piebald offspring. Piebaldism is a genetic phenomenon that causes a lack of pigmentation in patches around the body. Photo Credit: Gary FrazierĪ piebald white-tailed deer was seen in Cary, North Carolina, last December. The piebald deer in Cary, North Carolina. Because gynandromorphic birds are so rare, most of what is known about their behavior and the effects of this mutation comes from just one bird-a half-male, half-female northern cardinal found in 2008. This mutation is likely present across all bird species, but it is harder to detect in a species where adult males and females look similar, Daniel Hooper, a postdoctoral fellow at the Cornell Lab of Ornithology, told National Geographic. Gynandromorphism is a very rare condition that is known to occur in insects, snakes, crustaceans, and birds. So, its brain is likely half-male, half-female, too. The cardinal not only appears half-male, half-female, but it also has the genetic makeup for both sexes. Gynandromorphism likely occurs because of an error during egg formation. This genetic anomaly is referred to as bilateral gynandromorphism because it causes a split right down the middle with half of the species’ body resembling a male and the other half a female. All services are provided at no cost and are intended to support and promote your child’s development.The gynandromorphic cardinal in Erie, Pennsylvania. Photo Credit: Shirley CaldwellĪ gynandromorphic-meaning half-male, half-female-northern cardinal was spotted in Erie, Pennsylvania, in January 2019. Services are provided within the child’s natural environment which may mean the child’s home or a childcare facility. Early intervention services can help young children with delays achieve their developmental milestones through services that may include occupational therapy, physical therapy, speech therapy and special instruction. The Spotted Zebra Learning Center is approved by the NYS Department of Health to provide early intervention services to children who meet eligibility. To begin that process, you should contact your county’s Department of Health for more information: If you have concerns that your child may have a developmental delay, seek out the support of early intervention, which is available to all children under the age of three. As parents we want to do everything possible to support our child’s development. Children are the most precious gift in the world. I was doing tequila shots with Tig trying to mend some fences with him and I forgot how high of a fucking tolerance Tig has and two bottles of Quervo later and I was on my bed with Caramel on top of me. “ look I made a mistake a very drunken mistake, I wasn’t even participating she came in and took advantage of a very very drunk me. You’d sat down on the bed and told him his ten minites started now. You motioned for Kozik to follow you to the spare bed room so you could talk in private, besides happy had seen enough of your tears today no need to expose him to more. Placing them on the counter you unloaded the things that needed to go in the fridge, deciding the rest could wait till later. He’d told you “ anything you want babe” as he hurriedly grabbed a few bags from your car. You’d told him to grab and bag and that he had ten minutes then you wanted him gone. But Happy made a valid point once you had heard him out it’d be easier to tell him to go and then you could go home in the morning and start fixing things. You didn’t want to let him in you wanted to let him rot there on his bike for all eternity and just spend the day baking and sleeping. You moved fast to help unload the car not missing what could be your only chance to fix things with your old lady. Leaning against his bike he saw Happy whisper something to Y/N you we'rent sure what it was but whatever it had been it was enough to tell you to grab a bag and come inside. Happy got up from his spot on the porch and walked over to the car. “ Y/N we need to talk” she looked at you and told you she’d said all she wanted to say yesterday and asked Happy to help with the groceries. It broke your heart to know you’d put that look on her face. “ Whatever man she went to the store” about an hour later you saw Y/N’s car pull into the drive way and she didn’t look mad, she looked much like happy had said, like she’d been crying and she had this defeated look on her face. When you got to Happy 12 hours later, you’d told happy you wanted to see Y/N but he’d sat down on his porch and told you “ look man she don’t want to see you, she’s spent the better part of last night and this morning crying” You told him you weren’t leaving without talking to her and that you’d wait all night if you had to. You’d immediately headed to Happy’s to go see your girl. You’d realized how much you’d taken for granted how wonderful and loving she’d been to you so you’d stopped at the Jewelry store in charming got a ring that you knew Y/N would love ( 2ct princess cut). You’d driven 12 hours nearly non stop, Y/N was right she deserved to not just your old lady but your wife and more. “ Y/N please talk to me” You looked at Kozik and told him you’d said everything you’d needed to say the day before. You got out and told Happy that there were more groceries. When you pulled up to the house you saw Koziks bike out front and Happy standing guard not letting him inside. You grabbed about twelve to sixteen different baking mixes and a bunch of frosting more food than you knew what to do with. Grabbing your keys you got in your car and drove off to the store. Baking had always been your go to thing for stress relief. You thanked him and told him that you we’re gonna go dry your eyes and head to the store to grab stuff to make dinner and bake. “ still up for debate, Sucks more today now that it’s sunk in” He kissed your forehead and walked you to the couch, he told you when Kozik got here he’d tell him to leave. “ you sure I don’t need to kill him” he asked as he wrapped you in a hug. I’m a twenty -eight year old Vet tech, who’s spent the last seven years with a man who couldn’t keep it in his pants or even marry me.” You started to sob pretty hard and for all of Happy’s reputation of being a maniacal killer badass, he was always there for you. Seven years, I wasted seven years and those we’re primo years Happy. Runs are one thing, I never knew one way or the other, this I saw and heard. He cheated Happy, I don’t care why or how. “ where do you think your going little girl?” You look at him tears in your eyes “ not here if he’s here I’m not going to be. " So I called Kozik he’s on his way" You gave him a look and got up and went to grab your keys. “ Hey Y/N” you nodded to him and told him there was coffee. You’d gotten up and made coffee and sat down to have a smoke when Happy walked in. Y/N POV -You woke up the next day, eyes heavy from crying the day before, heart shattered in more pieces than stars in the sky. You get.Don’t worry the Juice one will be hot off the intellectual presses. Since it has been a while since this is going to count as the Kozik cheats request.I’m not a huge fan of writing the same thing multiple times without varying circumstances.IE.Happy cheats but she’s pregnant instead of just happy cheats. Private Sub mcolCalItems_ItemAdd(ByVal Item As Object) Set mcolCalItems = objNS.GetDefaultFolder(olFolderCalendar).Items Set objNS = Application.GetNamespace("MAPI") If you want a longer reminder period, you will need to change the reminders on each birthday or anniversary or use VBA to set the reminders. When you create a new contact and specify a birth date, Microsoft Outlook automatically creates a recurring annual event in the Calendar folder for contact's birthday, but it doesn't set a reminder unless you have Outlook set to add a reminder to all new appointments (and in that case, it uses the default reminder time, usually 15 minutes). There is also a VBA sample there to remove the events from the calendar as soon as the Contact creates it. See Removing Birthdays and Anniversaries for an easy way to remove the dates from Contacts and the events from the Calendar. See the Tools below for utilities that can trigger the update. In order to have them added you need to either edit the contact's name (clicking the Full Name button and saving the contacts is sufficient) or edit the Birthday and Anniversary fields to trigger an update. However, if you import a contact list or sync with a handheld device, these events are not created in the calendar. Note that if you do this, Outlook may recreate it at some point. Put the dates in the Notes field or a user defined field. If you don't want the events added to your calendar, don't enter dates in the birthday and anniversary fields. It is possible that you may need to edit the. htaccess file, and many scripts such as WordPress, Drupal, Joomla and Magento add directives to the. Redirects and rewriting URLs are two very common directives found in a. htaccess file contains directives (instructions) that tell the server how to behave in certain scenarios and directly affect how your website functions. On platforms that enforce case-sensitivity PNG and png are not the same locations. Notice that the CaSe is important in this example. In this example the image file must be in public_html/cgi-sys/images/ This varies by browser, if you do not see a box on your page with a red X try right clicking on the page, then select View Page Info, and goto the Media Tab. The properties will tell you the path and file name that cannot be found. Right click on the X and choose Properties. When you have a missing image on your site you may see a box on your page with with a red X where the image is missing. On platforms that enforce case-sensitivity example and Example are not the same locations.įor addon domains, the file must be in public_html//example/Example/ and the names are case-sensitive. In this example the file must be in public_html/example/Example/ When you get a 404 error be sure to check the URL that you are attempting to use in your browser.This tells the server what resource it should attempt to request. Whether you favor a longsword or a longbow, your weapon and your ability to wield it effectively can mean the difference between life and death while adventuring. What do you think? What other weapons types would be interesting? I mean, I think my players would enjoy finding a Savage Longsword than a Longsword +1.Your class grants proficiency in certain weapons, reflecting both the class’s focus and the tools you are most likely to use. So a weapon like this would be more useful to apply poisons or on hit effects. I figured I would make a weapon like this that could be enchanted later on. A light weight weapon that's easy to wield but lacks in damage. Can not be coated in poisons.Ĭrystal Weapons: -X to damage, +Y to hit. I want to implement something like this though I don't know how balanced I can make it. X to hit/+Y to damage: These weapons have been designed to be deadlier though are more difficult to use. In my setting I'm working on, magical weapons and such are going to be rare so I wanted to give more weapon options to balance that out. I could use some input to see how balanced these are. I don't want there to be a binary, "This weapon is better" sort of thing so I thought of weapon types. For more information about Wizards of the Coast or any of Wizards' trademarks or other intellectual property, please visit their website at Hi, I've been working on implementing on more weapon options for my players. For example, Dungeons & Dragons® is a trademark of Wizards of the Coast. This subreddit may use the trademarks and other intellectual property of Wizards of the Coast LLC, which is permitted under Wizards' Fan Site Policy. This subreddit is not affiliated with, endorsed, sponsored, or specifically approved by Wizards of the Coast LLC. Wizards of the Coast, Dungeons & Dragons, and their logos are trademarks of Wizards of the Coast LLC in the United States and other countries. For a longer list, see the Related Subreddits wiki page.BoardGameGeeks Friendly Local Game Store List.Please read the rules wiki page for a more detailed break-down of each rule.
To find out about testing dates and locations, submit requests for testing accommodations, register to take the exam, or request an official MPRE score report, visit the National Conference of Bar Examiners, MPRE Application Department at (608) 280-8550. An applicant need not have graduated from law school in order to take the MPRE and the MPRE may be taken an unlimited number of times. Beginning with the July 2009 Michigan bar examination, applicants taking the bar examination as first-time takers must receive a scaled score of 85 on the MPRE to be certified by the Board. Prior to admission by examination, an applicant must successfully pass the Multistate Professional Responsibility Examination. MPRE (Multi-State Professional Responsibility Examination)ĭoes it matter where or when an applicant has taken the Multistate Professional Responsibility Examination? No. The State Board of Law Examiners will respond to a written request to transfer your results to another jurisdiction. The State Board of Law Examiners and the National Conference of Bar Examiners hold MBE scores. Transferring MBE score from Michigan to another jurisdiction: Additional information may be found at the NCBE website. This written notice of intent to transfer an MBE score is a necessary precondition to perfect your right to transfer your MBE score to Michigan. You must also notify the BLE, by letter to the Board, of your intent to transfer your MBE score, no later than May 15 for the July examination and December 15 for the February examination. You are responsible for having information from another jurisdiction certified to the BLE.
This is an instance where two apex predators may co-inhabit an area, simply going about their business separately. While it shares a habitat with bears, cougars and bears tend to leave each other alone. It is a relatively small cat species but also a very ferocious one. The cougar is sometimes also referred to as the mountain lion. This may be because of its excellent ability to hide as well as its strong pincers! 9. While it doesn’t eat other animals, it has been deemed to be an apex predator because no other animals will hunt it. The coconut crab got its name from its stealing of coconuts and other fruits from humans. It will eat ungulates like antelope as a main source of food. With its long, thin legs and sleek body, and fast speed, it’s almost impossible for its prey to escape. It is the fastest land animal that is capable of running with speeds of up to 80 miles per hour. The cheetah is one of the most slender and elegant cat species. It’s still considered an apex predator, however, because other animals don’t tend to hunt it due to its power and strength. You can find it hunting ungulates like deer, but you’ll also often see it stealing a meal from wolves or scavenging for carrion meat. It is great at fishing, but actually not that great at hunting. It’s found in Eurasia as well as North America. The brown bear is the king of the forests. You can find the black caiman in the Amazon basin where it stalks its prey in the remote rivers of the dense Amazon. It’s entirely black and very good at hunting down other animals in its area. Next up, we have the black caiman, another crocodile species to be included on this list of apex predators. While it shares a name with (and looks similar to) an alligator, it’s no relation at all. It will eat any other fish that cross its path. It’s an avid hunter and also an apex predator. The alligator gar is one of the largest fish species in North America. This crocodile also has an extremely strong biteforce. The American crocodile is a voracious hunter and also potentially dangerous to humans, so it’s best to avoid areas where these animals live! It will subdue its prey by rolling rapidly until it drowns or falls unconscious. While it doesn’t have predators, it’s also a pretty poor hunter, and often simply scavenges the meat of recently deceased animals that it stumbles upon. However, it also consumes meats such as the meat of ungulates like deer. It will primarily eat shrubs, foliage, roots, and berries. American Black Bear Scientific NameĪn omnivore, the American black bear is very adaptable to its surroundings. It stalks underwater and pounces on unsuspecting animals coming to the water’s edge for a drink. This ferocious animal will hunt down other animals in its habitat and establish its role as an apex predator. The American alligator is commonly found in the swamps and rivers of Mississippi, but also in other states in the United States. These are some of the most ferocious apex predators. They will guide you on everything and even deal with the logistics of traveling. You would be traveling with local leaders or travel guides from any travel themes or styles. In this, you can flexibly choose when and where you want to go and what you want to do because the ready-made itineraries from Intrepid can't be altered. Travelers using Intrepid Travels can also select tailor-made trips from the themes section. Image courtesy: Intrepid Travel Personalized trips These themes include 18s to 29s, Active Adventures, Adventure Cruising, Cycling, Expeditions, Family, Festivals, Food, Lonely Planet Experiences, Polar, Retreats, Sailing, Short-Breaks, Urban Adventures, Walking and Trekking, and Wildlife. In order to look for themes, you have to click on the Ways to travel option on the panel at the top of the website. These options vary from Premium, Best of, to Classic, etc.Īlternatively, you could also select from various styles and themes and find ready-made trips. Intrepid Travel will provide you with a range of options to choose from based on the information provided. Once you visit the Intrepid Travel website, you can search for itineraries based on your choice of destination and the date of travel. You could insert basic information and get a ready-made travel itinerary or have a trip tailor-made based on your preferences. Intrepid Travel has a simple and user-friendly interface. Intrepid Travel has its own foundation, which funds initiatives to reduce carbon emissions and work towards a sustainable future. In order to ensure responsibility while traveling, Intrepid Travel has partnered up with many global and local funds and organizations like Blue Carbon Lab and Eden Reforestation Project. That kickstarted the tour operator Intrepid Travel.Īpart from presenting a travel itinerary, Intrepid Travel also guarantees their customers a responsible travel experience with them. They realized that more people would enjoy traveling while minimizing impacts by talking to many travelers. In 1988, two friends, Darrell and Manch, were traveling with friends in a truck in parts of Africa when they came to a realization. Image courtesy: Intrepid Travel What is Intrepid Travel? |
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