There must be enough history to count overtime, and it is likely to continue in the foreseeable future. How to Calculate Bonus Income for My Mortgage How Banks Compute Overtime Revenue in Different Ways But Here Are Some Examples of How they do it:.Which Financial Institutions Can Assist You?.What to Include in your MortggaeApplication.How Underwriters Calculate Overtime Income.Employment Verification When Counting Overtime Income.How Much Of a House I Can Afford With Overtime Income?.Paystubs and Overtime Income to Estimate Monthly Payment.How Mortgage Lenders Calculate Overtime Income.How The Overtime Income is Calculated When Qualifying For FHA Loan?.How to Calculate Bonus Income for My Mortgage.Borrowers may discover that, in certain instances, overtime can and is included in the debt-to-income ratio. These sources are acceptable as long as they meet FHA loan requirements on overtime income. Some FHA loan candidates have seasonal work, part-time jobs, disability assistance, and other sources of income. So, let’s go over how lenders evaluate time and how you may use it to get the house you desire. This additional income may help secure approval for a house purchase and mortgage. the income, if it were included in gross Effective Income, is sufficient to reduce the qualifying ratios to not more than 37/47.įor some, overtime is a burden since it takes away from their spare time.The Borrower must provide documentation that the Mortgagee verifies and documents that the Borrower has received this income for at least one year, and it will most likely continue. ![]() It is possible to consider income from a variety of sources.Īdditional income from Overtime, Bonuses, Part-Time or Seasonal Employment that is not reflected in Effective Income can be used as a compensating factor subject to the following requirements: Only verifiable income is acceptable, so the lender must establish that the revenue is consistent, predictable, and likely to continue. But what if you make a lot of money by working overtime? Let’s look at how you can use overtime money to help you get a mortgage.Īccording to FHA lending guidelines, the loan officer must verify the borrower’s income before computing the debt-to-income ratio. To accomplish so, we’ll look at numerous other qualifying areas, including income.
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These games include browser games for both your computer and mobile devices. We have collected some of the best free online Pool Games to play now without download on Round Games. The classic eight-ball pool for your phone! Play against a computer controlled opponent or against a friend. Besides, it kills time, when waiting for bus, resting, getting bored. 8 Ball Smash: 8-Ball Pool Game (available on Google Play) 8 Ball Smash is a game that invites you to join a magical journey through Wonderland. A cool and relaxing game of 8 ball billiard pool with your friend or AI. It’s Game On with INSP We’re giving you entertainment on all screensgreat shows and movies on TV, and now fun games on your computer, tablet, or phone. Or let’s try Pool 8 Ball Mania which is easy to play but very addictive. Pocket all stripe and solid balls before the clock runs out. Join our club and let time fly while sinking some balls. Play Pool Club which is a smooth solo player pool game. Fantastic playability and ultra realistic ball physics will refresh your pool experience. Aim carefully and use the zoom to adjust the spin of the cue ball. The higher the difficulty, the higher the bonus points you receive when you win a match. 8 Ball League takes the latest technology to create the most realistic and amazing 8 Ball simulator. Train your billiard skills and play against the computer or your friend in this 8-ball Pool sports game Select a difficulty that matches your abilities and start pocketing the balls. Play the best free pool games online without downloading:Ĩ Ball Pool Challenge is the pro arcade style pool with single player. ![]() The generic term pocket billiards is sometimes also used, and favored by some pool-industry bodies. Each specific pool game has its own name some of the better-known include eight-ball, blackball, nine-ball, ten-ball, seven-ball, straight pool, one-pocket, and bank pool. Your zone to play free online Pool Games no downloads at RoundGames: Pool is a classification of cue sports played on a table with six pockets along the rails, into which balls are deposited.
Seconds left before the microwave beeps.Days before the holiday season (use a Day Counter).How many hours before the weekend (Use our hours and minutes calculator).Seconds of extra life on a video or mobile game.For example, half an hour is 30 minutes or 0.5 hours. Plus, hours and minutes are different units of time, and minutes are not represented by a decimal number of hours. Remember, an hour has 60 minutes (not 100 minutes). To calculate time in our site is faster and easier than to add up time manually. You can also print and email the time calculation for reference, records and accuracy checking. There is no need to go through these steps when using our Free Hours and Minutes calculators. Add the results with a standard calculator.Ĭalculate Hours and Minutes using a Calculator:.Divide the minutes by 60 to convert the minutes to decimals.You will need to first divide all your minutes into 60.Īdding time manually takes several steps. You need to convert the minutes into their decimal form before you can add time using a conventional calculator. You also have the option to include end day or exclude the weekends in the calculation.Ĭalculate Hours using a Conventional Calculator Press “More Options” for full results in Years, Months, Weeks and Days. Our date duration calculator also offers a variety of results. Just enter the two dates and press “Calculate” to count the number of days between two dates. Use our calculator and get instant results. Looking to add the total number of hours and minutes that you worked this week? Do you want to calculate your weekly salary based on the total hours x hourly rate? Press “More Options” to use our Time Card Calculator and find out how much you’ve earned on a given period.Ĭounting the number of days between two dates manually is not just confusing but also time-consuming and tedious. Just enter the two times and press calculate. ![]() Use our Clock Calculator to calculate the time between hours. What is the time difference between 8 AM and 12:30 PM? How many hours remain before your first day at the office? You don’t need to count manually. TIME BETWEEN HOURS (Pink Clock Calculator) Want to print or email the time calculator results? Just press the corresponding box for the action. When you are done, you can “Clear” the lines, and do another time addition. Th hours calculator automatically computes results as you fill each line. You can enter times in up to 10 lines and have the option to add more, as needed. For more time adding, repeat the same in the next field. To use the time adder, enter the two units - hours and minutes. Our time adder is an online-based, no download, and easy-to-use calculator for adding time. ![]() Want to add time? Have you ever been asked to calculate the time you’ve spent accomplishing something? Have you been struggling to add up the total number of hours you have worked? Have you been wondering how much time you've used practicing for your math exams? Calculating time manually can be confusing. Enter the two dates in a MM DD YYYY format and press Calculate.To calculate Time Between Dates (The Green Date Calculator) Enter the two times, and then press calculate for the total time between hours.To calculate Time Between Hours (The Pink Clock Calculator) ![]() To calculate time, enter your hours and minutes in a HH MM format. What to Add to a Modern Resumeīefore starting a modern resume template it’s important to know what’s new about these designs. This way you won’t get silently cut from the process before a human recruiter has got to your file. Modern resumes are also machine-readable and specially adapted to be submitted online. This helps keep things clean, skimmable, and focused only on the information the employer needs to see. Whilst a lot of elements are added, lots of features, like overly-wordy descriptions, that were used on older-style resumes are also cut for conciseness. They stand out in this regard from more information-dense older designs. Modern resume templates are useful as they are optimized for the elements that today’s recruiters are looking for. They can make it much easier to stand out from the crowd, target many of the latest job profiles, and adapt your experience to what recruiters expect today. Modern designs, however, are specially prepared to deal with the present necessities of the job market. Older style resumes don’t always cut it when up against these obstacles. Not only that but it’s ever more common to come up against recruitment software such as ATS. Steer clear of overused fonts such as Arial, instead go for something that is both stylish and easy to read, such as Open Sans, which is a good choice for its ease of readability both on-screen and off.A lot of jobs need applicants to provide more details than ever about their online presence. Remember – a modern font is best for impressing a modern employer. Or you can simply download one of our superb, ready-to-use free modern resume templates that are already set up with the best font choices for you. In fact, it may actually be a negative move because it can give your overall resume a dated look that isn’t appealing to modern recruiters.Ĭhoosing the right fonts for your resume is very important – so choose wisely. However, this doesn’t mean that you need to stick to Times New Roman. It is amazing how many perfectly good resumes get rejected by a company just because it is too difficult to read the fonts used. Ultimately, we have chosen fonts that not only look stylish but are also functional.įonts need to have easy readability to get through all the whole selection process. The fonts we use in our templates are essential too. The overall look of your resume and the feeling it generates within its readers is just as important as the information it contains. ![]() The added style element makes your resume look very professional and well presented. They have been carefully structured to be easy to read and allow your key skills and experience to stand out. ![]() Our modern resume examples offer you the right mix of style and practicality that will help get your job application past its initial first check and then safely delivered into the hands of your recruiter. We’ve packed some of our best templates in this video, check it out! Our modern themes deliver a high level of information, but still allow your true personality to shine through. Our stylish designs will allow your resume to stand out from the crowd when the recruiter face a sea of generic and plain looking resumes. This is why our modern resume templates have been designed in a way that is both functional but also remains pleasing to the eye. Imagine being the recruiter that has to sort through that many resumes! Don’t you think you would get bored after looking at about TEN applicants’ details? ![]() What Recruiters want to see on your resumeĭid you know that an average job vacancy in the US attracts around 250 job applicants? You need to know what to include on your resume to deliver what your recruiter needs to see. This is why our resume templates have been structured to allow you to enrich your presentation with plenty of valuable and job-specific information to engage the mind and capture the human eye. However, we are also very aware that those resumes that do make it through the initial scan will eventually be placed into the hands of a recruiter that will scrutinize it further. Our modern resume designs make it easy for your keywords to stand out and be picked up quickly. The first scan can take only a few seconds to perform before your resume is consigned to either the recycling bin or is accepted for consideration. ![]() Your support means a lot and, as a token of appreciation every week, we'll drop a bunch of well-trained LoRAs on Patreon first. Collections went well today, eh, pinch-penny?Ĭheetara: You'll be wearing that grin on the back of your face when the other Thundercats get here, Slithe.Hello there! If you've been enjoying my project, I invite you to join our Patreon community. Towards the end of the episode, Tygra mentions that the Mutants must have "raised their spaceship" somehow yet the Mutants were the only ones who witnessed Mumm-Ra sinking their ship in the episode The Unholy Alliance.In this episode, the ThundeTank sinks as soon as it plunges into the ocean yet in the episode The Terror of Hammerhand, the tank is shown to be able to travel perfectly underwater thanks to its "aquatic mode".However, in most other episodes, the two items are always shown to be kept in the Sword Chamber. In the beginning, Lion-O is shown sleeping on his bed with the Sword of Omens and the Claw Shield near his bedside.Inconsistencies/Continuity Errors and/or Goofs/Oddities When Cheetara is removing the glue from Tygra, the blue band on Tygra's left arm is missing.The previous episode being The Doomgaze and later episodes include Mongor and Snarf Takes up the Challenge.Īnimation Mistakes and/or Technical Glitches This is the second episode (out of four) in which Cheetara gets caught in a net.This episode marks the debut of the Mutants' vehicles, the Sk圜utter and the NoseDiver.Panthro: "We can always replace the Thundertank. With the NoseDiver damaged, Slithe retreats while Panthro and Lion-O drive the tank onto the shore to meet up with the rest of the ThunderCats. Lion-O fires a harpoon from the tank and it attaches itself to the NoseDiver which ends up pulling the tank free and releasing the baby Sea Quine. Just then, Slithe returns on the NoseDiver to attack the Cats once again. Panthro and Lion-O try frantically to budge the tank but remain unsuccessful even with the help of the adult Sea Quines. Lion-O then spots the reason, a baby Sea Quine who is trapped underneath the tank. Panthro is surprised at the unexpected aggressive behavior of these normally gently creatures. Back underwater, Panthro and Lion-O are attacked by a pair of Sea-Quines. Tygra, Cheetara and the Thunderkittens arrive swiftly and dispatch Monkian and Jackalman with ease. ![]() Lion-O calls the other ThunderCats and he and Panthro head back into the sea to try and free the ThunderTank. Panthro and Lion-O swim onto the shore but are immediately greeted by a barrage of fire from the Sk圜utters. ![]() As Slithe tries to avoid the eel, the ends up damaging the NoseDiver's energy module causing it to stall. Panthro then sets a trap for Slithe using a nearby cave which is the den of a Giant Eel. Using diving equipment from under their seats, Lion-O and Panthro swim out of the tank and try to push the vehicle but Slithe returns on the NoseDiver and starts firing at them. The NoseDiver, being amphibious, is able to easily navigate through the water but the ThunderTank sinks and gets wedged in an undersea canyon. Slithe tricks Panthro into following him over a cliff and into the ocean. Panthro and Lion-O decide to face the NoseDiver in the ThunderTank, while the rest of the ThunderCats try to attack the Sk圜utters using the lair's Laser Beams. From the raised Mutant Mothership, the Mutants gather their equipment as well as Sk圜utters and a NoseDiver and transport it all to Castle Plun-Darr.Īrmed with new vehicles, the Mutants launch an attack on Cats Lair with Jackalman and Monkian piloting Sk圜utters and Slithe driving the NoseDiver. They go to the Black Pyramid and eventually manage to convince Mumm-Ra to raise their spaceship. They concur that the reason for this is that while the ThunderCats were able to salvage most of their technology, the Mutants' technology lies buried beneath the Desert of Sinking Sands thanks to Mumm-Ra. Inside Castle Plun-Darr, the Mutants are upset that they get constantly defeated by the ThunderCats. The ThunderCats then turn their attention to the Mutants who quickly flee from the scene. ![]() Panthro maneuvers the tank's jaws to free Cheetara and Tygra from the net. Inside the Cats Lair, the Sword of Omens warns Lion-O and he and Panthro set out in the ThunderTank to rescue their fellow Cats. As soon as the ThunderCats arrive at the scene, Monkian drops a sticky net on them and traps them. The cries of help from the Tabbut attract Cheetara and Tygra, just as the Mutants anticipated. The Mutants set a trap for the ThunderCats by first ambushing and stealing from a Tabbut. The Mutants convince Mumm-Ra to raise their ship from beneath the desert so that they may build better weapons and vehicles to more effectively battle the ThunderCats. 9 Inconsistencies/Continuity Errors and/or Goofs/Oddities.8 Animation Mistakes and/or Technical Glitches. The rest was fat, ground bone, nerve, connective tissue and other things you probably don’t want to think about but maybe should. A federal judge used the term “McFrankenstein” to describe them in 2003, citing a laundry list of ingredients that included sodium aluminum phosphate and dimethylpolysiloxane as an “anti-foaming agent.”Ī study published in the American Journal of Medicine in 2013 dissected chicken nuggets from two unnamed national fast food chains in what was colorfully described as an “autopsy.” The researchers concluded, “Chicken nuggets are mostly fat, and their name is a misnomer.” They determined that nuggets contained, at most, 50% meat. The fast food nugget has faced criticism over the years - no one would deign to call them healthy. In that same time period, beef consumption suffered a serious drop, from 88.2 pounds to 58.4 pounds. increased from 36 pounds in 1975 to more than 96 pounds in 2020. The rise of the nugget coincided with chicken’s increasing popularity nationwide and a growing disenchantment with beef - per capita chicken consumption in the U.S. In a specialized poultry products lab, Baker came up with the chicken equivalent of a fish stick in 1963 - shaped, ground chicken held together with pulverized grains and powdered milk, then battered. ![]() The foundation of the modern-day nugget was created by Cornell University professor Robert Baker, according to an article in Slate, in an attempt to increase the popularity of the bird after World War II. The chicken nugget, popularized by McDonald’s in the early 1980s, has a considerable backstory. ![]() Some popular VPN choices include NordVPN, Proton, TunnelBear and CyberGhost. With this, you can access geo-restricted content, beef up your online security and even enhance your gaming experience. A VPN masks your IP address and routes your internet connection through servers in different locations, effectively making it seem like you are browsing from somewhere else. So, use it wisely.Ĭhanging your Android location is simple with a VPN. You could even get your account banned using a fake GPS app in certain apps, such as Pokémon Go. Important note: Remember that this method could cause some apps to behave unpredictably, and some services might not allow access when they detect a mock location. Select the location you prefer and then click on the “Start” or “Play” button. Here, you’ll be able to manually set your location by dropping a pin on a map or typing in specific GPS coordinates. Tap on it and choose the app you’ve just installed. Select Your Mock Location AppĪfter installing your chosen app, return to the “Select mock location app” option in the Developer Options menu. ![]() If you haven’t downloaded a mock location app yet, you’ll need to do that in step two first. Within this menu, look for “Select mock location app” and tap on it. Enable Mock Locationsįollowing that, navigate back to the primary Settings menu and find “Developer Options” by scrolling down. Install an app of your choosing after checking out its ratings. There are many fake location apps available on the Google Play Store. A message will appear saying, “You are now a developer.” 2. Here, find and tap on “Build number” seven times. To access your developer options, go to Settings > About phone > Software information. Enable Developer Optionsīefore we begin, you need to find the hidden “Developer Options” on your Android device. A third-party app is typically used to specify the fake GPS coordinates. To change your Android device’s location without a VPN, you need to turn on “mock locations” in the built-in developer options. ![]() Online gaming: Some gamers change their IP address to potentially improve connection speed, reduce lag or join region-specific game servers.Security: Using a different IP can help to protect you from hackers and identity thieves who may try to track your online activities.Internet freedom: Changing your IP can bypass regional internet restrictions, allowing unrestricted access to blocked websites and services.Reasons To Change Your IP Address on Your Android Testing and development: App developers may need to change location settings to test location-based features of their applications.Privacy: By changing your location, it becomes more difficult for online services to track your physical location, thereby increasing your privacy.By changing your location, you can avoid these restrictions. Access geo-restricted content: Some apps or content may only be available in certain regions.Reasons To Change Your Location Settings on Your Android A VPN gives you an extra layer of security and the ability to access geo-restricted content. With a VPN: A VPN masks your IP address, effectively disguising your actual location. ![]() This method typically involves downloading a third-party app to fake GPS coordinates. Without a VPN: By simply turning on the mock location feature in the developer options of your Android device, you can alter your location.The two primary ways to do this are through tweaking your device’s location settings and altering your IP address via a virtual private network (VPN). That said, it’s still possible by utilizing different methods. While our Android devices are capable of many things, changing your location isn’t as direct as pressing a single button. ![]() ![]() Looking for the right sounds to doze off to? Our Sleep playlist has everything you need to get a good night’s rest. Once you’re all squared away with that, you’ll be loading up your favorite songs to help whisk you off to dreamland in no time. If you want to check how much time you have left on your Sleep Timer, just tap the three-dot menu, then scroll down and you’ll see the time alongside the Sleep Timer logo.1 min 5 min 10 min 15 min 30 min 45 min 1 hour 2 hour. Free, fun and easy to use 1 hour 42 min clock countdown. An on-screen notification will say “OK, your sleep timer is set.” Online timer with pre-set countdown time for 1 hours 42 minutes.You can choose to have the music go for 5 minutes, 10 minutes, 15 minutes, 30 minutes, 45 minutes, 1 hour, or until the end of the track. Select how long you want your tunes to play.For music, tap the three-dot menu in the top-right corner and scroll to the bottom of the menu where you can tap on the Sleep Timer option. ![]() Free, fun and easy to use 1 hour 50 min clock countdown. While listening to podcasts, you can access the Sleep Timer directly on the Now Playing view by tapping the moon icon to the right of the play button. Online timer with pre-set countdown time for 1 hours 50 minutes.To find the Sleep Timer, tap the Now Playing bar to bring up the full Now Playing screen.That’s why Spotify has a built-in Sleep Timer, which helps you ease into a peaceful sleep by allowing you to decide how long your music or podcast episode plays before it automatically stops.įor those across mobile devices who want to give the Sleep Timer a try, we have a few tips on how to use this handy feature: But not everyone wants to wake up in the middle of the night to the sounds of a hype pop track from their Discover Weekly playlist. 1 min 5 min 10 min 15 min 30 min 45 min 1 hour 2 hour. This amazing 1 hour and 30 minute countdown timer counts down silently until it reaches zero, then it makes a gentle beeping sound to alert you that time is up. Free, fun and easy to use 1 hour 40 min clock countdown. Listening to music or podcasts before bed is a great way to wind down after a long day. Online timer with pre-set countdown time for 1 hours 40 minutes. Take a few snapshots during Community Day for a surprise!.Incense (excluding Daily Adventure Incense) activated during the event will last for three hours.Lure Modules activated during the event will last for three hours.2× chance for Trainers level 31 and up to receive Candy XL from catching Pokémon.1/4 Hatch Distance when Eggs are placed in Incubators during the event period.In addition, the following features and bonuses will be available: The chosen Pokémon will appear more frequently in the wild for the duration of the event, with an increased chance of finding a Shiny version.Evolving Chansey during the event or up to five hours afterward the event will get you a Blissey that knows the Charged Attack Wild Charge.This Community Day will take place on Sunday 4th February 2024 from 2pm - 5pm local time.The next Pokémon GO Community Day will feature Chansey.Next Community Day Information: 4th February 2024 - Chansey Previous Pokémon GO Community Days – List of Pokémon and Event Exclusive Moves from Past Community Days How Can I Prepare for Pokémon GO Community Day? Event Exclusive Moves for Featured Pokémon Evolutions Increased Odds of Encountering a Shiny Version of the Featured Pokémon A Significant Increase in Spawns for the Featured Pokémon What Can I Expect from Pokémon GO Community Days? When Do Pokémon GO Community Days Usually Take Place? Latest Community Day Classic Information: Saturday 20th January 2024 - Porygon On this page: Pokémon GO Community Day February 2024 - Chansey Subscribe to Nintendo Life on YouTube Watch on YouTube Which 'Auto Catch' Companion Device Is Best?.Special Evolutions – Pangoro, Sylveon, Glaceon, Aromatisse, Slurpuff, Sirfetch’d, Galarian Cofagrigus And More.Leafeon & Glaceon Without A Lure Module.Field Research & Research Breakthroughs.I I think it may in the long run, detract from the long-term replayability as well. ![]() While I applaud the ridiculous number of ambulance and ring editions in this title, it feels very odd (and the only title I can think of with this emphasis on so much neckwear/ring load out) basing a build or prepping for a tough fight with armor not needing any consideration other than minimal. As it is, having the majority of unlocks both easily available at the start vendor, and now lacking set bonuses, rather detracts from generating interest in it at all. It's been some of my favorite moments solving the puzzles required to unlock some of the sets that are not actually available from the beginning, missed opportunity here - more of that tomb raider feel is always welcome in my book. The first game also had a fairly long list of cosmetic unlocks, which would have addressed the development team wanting to deviate from putting so much emphasis toward armor, or concern for players who enjoyed the cosmetic aspects. The set bonuses are no longer in game, but we're never a problem in the first title - there was always an amulet or ring workaround to deviate from heavy build flopping (with only 1/4 of the ring options I might add). It's too readily available from the start of the game to be cherished, with multiple classes unlocking instant rewards from the start vendor. I would agree with the post me, armor in its current state /feels bad. I can see the downvotes coming already ). This means that the heaviest armor will have a stronger Stamina Cost for stamina-based actions. Light Armor and Medium Armor will maintain their +2 and +1 iFrame buffs. ![]() Stamina Cost penalty for each armor weight class has also been changed to better represent the tradeoff between Damage Reduction, Weight, and Stamina Cost. Some armors have gained weight, but there are also changes to the Strong Back trait to compensate. This change also allowed to move some armor weight values around, to adjust to this new armor weight ratio. Now light armor has the most efficient ratio of armor granted per weight cost, and the heaviest, on the other hand, is the least efficient, but still grants a LOT more than Light Armor. There are a few variances, but lighter armor sets and individual pieces will have a higher armor to weight ratio than heavier armor. Meaning that some armors would grant incredible armor per weight point, others would fall behind greatly. All weight ratio for Armor Sets has been adjusted as well as the Weight Class Stamina penalty for Medium, Heavy, and Ultra Heavy armor sets.ĭevelopers decided to clean up armor and damage reduction, pointing out that there was a large discrepancy between different armors when considering armor granted versus weight. With the patch released on October 27th, 2023, Remnant 2 Armor has received a major update. |
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