![]() ![]() If you're not sure how much of your income should go toward housing, follow the tried-and-true 28/36 percent rule. Many borrowers put down as little as 3 percent. How much to put down. While 20 percent is thought of as the standard down payment, it's not required.If you're spending more than you can afford. The Mortgage Calculator provides an overview of how much you can expect to pay each month, including taxes and insurance. ![]() However, pay close attention to how much your monthly mortgage payment can change when the introductory rate expires. A 5/6 ARM - which carries a fixed rate for five years, then adjusts every six months - might be the right choice if you plan to stay in your home for just a few years. Initial rates for ARMs are typically lower than those for their conventional counterparts. If an ARM is a good option. As rates rise, it might be tempting to choose an adjustable-rate mortgage (ARM).If you have some room in your budget, a 15-year fixed-rate mortgage reduces the total interest you'll pay, but your monthly payment will be higher. These loans come with lower monthly payments, although you'll pay more interest during the course of the loan. The loan length that's right for you. If your budget is fixed, a 30-year fixed-rate mortgage is probably the right call.To study various scenarios, just change the details you enter into the calculator. As you shop for a purchase loan or a refinance, Bankrate's Mortgage Calculator allows you to estimate your mortgage payment. Mortgage insurance: If your down payment is less than 20 percent of the home's purchase price, you'll probably be on the hook for mortgage insurance, which also is added to your monthly payment.Īs you set your housing budget, determining your monthly house payment is crucial - it will probably be your largest recurring expense.As with property taxes, you pay one-twelfth of your annual insurance premium each month, and your lender or servicer pays the premium when it's due. If you live in a flood zone, you'll have an additional policy, and if you're in Hurricane Alley or earthquake country, you might have a third insurance policy. Homeowners insurance: Your insurance policy can cover damage and financial losses from fire, storms, theft, a tree falling on your home and other hazards.If you have an escrow account, you pay about one-twelfth of your annual tax bill with each monthly mortgage payment. Property taxes: Local authorities assess an annual tax on your property.Interest rates are expressed as an annual percentage. Interest: This is what the lender charges you to lend you the money.Principal: This is the amount you borrowed from the lender.Your lender also might collect an extra amount every month to put into escrow, money that the lender (or servicer) then typically pays directly to the local property tax collector and to your insurance carrier. The principal is the amount you borrowed, while the interest is the sum you pay the lender for borrowing it. The major part of your mortgage payment is the principal and the interest. Typical costs included in a mortgage payment ![]() You can edit these amounts or even ignore them as you're shopping for a loan - those costs might be rolled into your escrow payment, but they don't affect your principal and interest as you explore your options. Bankrate's calculator also estimates property taxes, homeowners insurance and homeowners association fees. Your rate will vary depending on whether you’re buying or refinancing.Īs you enter these figures, a new amount for principal and interest will appear to the right. Our calculator defaults to the current average rate, but you can adjust the percentage. ![]() Next, you'll see “Length of loan.” Choose the term - usually 30 years, but maybe 20, 15 or 10 - and our calculator adjusts the repayment schedule.įinally, in the "Interest rate" box, enter the rate you expect to pay. You can enter either a dollar amount or the percentage of the purchase price you're putting down. A down payment is the cash you pay upfront for a home, and home equity is the value of the home, minus what you owe. In the "Down payment" section, type in the amount of your down payment (if you're buying) or the amount of equity you have (if you're refinancing). The calculus behind mortgage payments is complicated, but Bankrate's Mortgage Calculator makes this math problem quick and easy.įirst, next to the space labeled "Home price," enter the price (if you're buying) or the current value of your home (if you're refinancing). ![]()
0 Comments
![]() ![]() Then, "Work" came on and, seriously, I was too busy vibing out to remember what I learned during those three minutes. Sure, my back muscles are paying for all of that gyrating today, but I improved my isolations in the process. I finally just let my body find the groove, releasing any stiffness I'd felt. ![]() Let me tell you, it was a shining moment for me. In my mind, I was re-enacting RiRi's dance solo. The sexy song slowed down the pace and gave me a chance to practice perfecting my wine. We booty-popped our way through a few more upbeat songs, then arrived at the moment Brandon and I had both been waiting for: Rihanna.įirst up was "Needed Me," a dark, bass-heavy tune from RiRi's new album. We crawled across the floor, targeting our legs, lower abs and arms. A handful of us couldn't keep up with the ladies who probably attended the 60-minutes class religiously, but we offered one another encouragement.Īfter a light stretch, we moved onto more intricate, high-energy moves. The veterans stood in the front, acting as a guide for the rest of us and slaying every bounce. I traded glances with some of the other women in the class, a silent confirmation that we were all in this together. As we kept going, I was determined to make this workout work for me. It felt a little silly at first, trying to bend and bounce my body into positions I'd never mastered. I couldn't throw my hands up like I normally would, since I was too busy crouching low, booty popping and flexing my arms all at once. He made it a point to give us all a boost of ass confidence. We started with a five-minute warm up to Future's "F*ck Up Some Commas," a song that melted away my ass anxieties. Yep, there were white girls there and we'd later find out they were good at this whole ass-shaking thing.īrandon, head of our twerk team, greeted us with either a booty pat or a warm hug. When I arrived to class at the Ripley Grier Studio, I made a beeline for the back of the room with my two friends. I was unsure about my butt's twerk abilities. ![]() Sure, I wanted to tackle a few new twerk techniques, but I was still nervous about keeping up. He also wrote, "I can't get Rihanna's song 'Work' out of my head!"Īs the class got closer, however, my initial excitement wore off. ![]() Minus the Jameson, how different from a dance party could this class be? Brandon Coleman, my instructor, addressed me as a "Twerk Champion" in his intro email. Along with improving your twerk moves, the class is intended to make you feel sexy and self-assured.Ī day before Twerk Aerobics, I was feeling pretty damn confident. So, I figured why not level up my twerk game at a Twerk Aerobics class? The workout focuses on hip and butt movements to provide an hour-long, high-intensity cardio workout. Still, I've never been that great at isolating my butt with Amber Rose's skill or wining my hips with island-gal perfection. Trust me, I can two-step with the best of 'em. It's no secret black people can inherently stay on beat. I don't want a Nicki Minaj-sized donk or anything, but I feel self-conscious about the way my booty moves. Throughout the video, Cardi, 30, twerked in various places around the city of lights, including a spot with a gorgeous view of the Eiffel Tower.It's no secret my ass is lagging compared to other black women. The ritzy bathroom featured mirrored walls and pink balloons that were scattered across the floor. The rapper’s most-attention grabbing moment in the vid was a shot of her topless in the tub.Ĭardi, whose given name is Belcalis Marlenis Almánzar, wore only a nude thong as she danced in the water-filled tub. “SHE PLAYIN WAP, SHE THROWIN CAT IN THE UBER BLACK !!!……,” the rapper captioned the video posted to Instagram Saturday, which featured her and FendiDa Rappa’s new song “Point Me 2” playing in the background. Hoda Kotb relates to Cardi B, Offset’s post-split hookup 2 years after ending Joel Schiffman engagementĬardi B was paid way more than Offset in dueling NYE performancesĬardi B reveals she and Offset had sex after celebrating New Year’s Eve togetherĬardi B says she’s not bringing ‘toxic’ energy into 2024 after telling fans to ‘STFU’ amid Offset dramaĬardi B kicked off her “do not disturb” summer by twerking topless in a bathtub less than two weeks after her public feud with husband Offset. ![]() ![]() ![]() The Bullet Ant is found in tropical rainforests in Central and South America. Some box jellyfish are armed with 3-meter-long tentacles covered with millions of nematocysts, which can deliver potent venom that are responsible for over 500 deaths each year. They have venom that is 15 times more potent that a rattlesnake! Fortunately, it’s rare for humans to die from a bite. The black widow spider is an arachnid that strikes fear into the hearts of many. It has rodent-like teeth that grow perpetually, and a creepy middle finger that is long, thin and skeletal in appearance. The Aye-Aye is the world’s largest nocturnal primate. They are known for their unusual fanglike teeth that give them the appearance of a wolf. A great start to the scary list!Ītlantic wolffish are a species of large scary-looking fish native to the North Atlantic Ocean. The Asian giant hornet are also known as ‘murder hornets’, and they are largest species of wasp in the world measuring over 2 inches, and a ferocious bee killer. They have been known to bite baby alligators, and researchers fingers – clean off! The alligator snapping turtle is one of the heaviest turtles in the world, with a prehistoric appearance. Click through on each animal profile to find out creepy animal facts about them. Most of these scary animals have no interest in humans. In some cases they look terrifying, but really aren’t. ![]() This includes some of the most dangerous and outright frightening animals from across the animal kingdom. Read our big list of the most scary animals in the world and their creepy pictures. ![]() ![]() ![]() The code was designed to be simple to use so that newcomers can easily navigate through its various functions. STBEmu Plus is an all-inclusive code that provides many features and benefits. There are also plenty of different options for support available, such as online tutorials and customer service. ![]() You don’t need any previous knowledge or coding experience before you start using STB Emu Free all you need is an email address and password, which will allow you instant access without having to download anything else! It provides basic functions tailored towards beginners and those on a tight budget – which is preferable to them over the expensive alternatives offered through STB Emu Codes 03-12-2022. STBEmu Free is a free program that can be used by everyone. It also offers a wide range of customizations, which allows users to personalize the code to their unique needs.Īdditionally, it provides an extensive list of options for support, such as the readily available tutorial videos and customer service options. With user-friendliness at the forefront of its design, this software is suitable for all types of gamers – from newcomers to experienced veterans. In exchange for a small fee, this program offers an array of benefits and features. Here, I’ll review some of the six best STBEmu codes and discuss what makes them great choices depending on what you want them to do.Īs one of the most popular and widely used options out there, STBEmu Pro has earned its place as one of my top picks because it’s high quality while also being affordable. With so many different codes available, it can be hard to know which ones are the best for your needs. Finding the best STBEmu codes can be a daunting task. ![]() ![]() Clinician–Patient Relationship present with severe and recurrent infections Recurrent infections Common Variable Immunodeficiency (CVID) within the first months of life. ![]() Patients Patients Individuals participating in the health care system for the purpose of receiving therapeutic, diagnostic, or preventive procedures. ![]() Multiple mutations can result in heterogeneous types of SCID. It is the most severe form of primary immunodeficiency Immunodeficiency Chédiak-Higashi Syndrome and is characterized by dysfunction in both humoral and cell-mediated immune responses. T cells: Types and Functions is disturbed due to several genetic mutations Genetic Mutations Carcinogenesis that result in reduced or absent immune function. When exposed to an antigen, they divide rapidly and produce large numbers of new T cells sensitized to that antigen. They are formed when lymphocytes circulate through the thymus gland and differentiate to thymocytes. Two types have been identified - cytotoxic (t-lymphocytes, cytotoxic) and helper T-lymphocytes (t-lymphocytes, helper-inducer). Severe combined immunodeficiency Immunodeficiency Chédiak-Higashi Syndrome (SCID), also called “bubble boy disease,” is a rare genetic disorder in which the development of functional B and T cells T cells Lymphocytes responsible for cell-mediated immunity. Students: Educators’ Pro Tips for Tough Topics.Licensed Practical Nurse (LPN) Students. ![]() Maternity Nursing and Care of the Childbearing Family.Diversity, Equity, Inclusion, and Belonging. ![]() ![]() ![]() How to Take a Test - The Complete Guide - Let's face it: test-taking is really not easy While some people seem to have the natural ability to know what to study, how to absorb and retain information, and how to stay calm enough while actually taking a test to earn a great score, most of us find taking tests to be sheer misery. Please check back for additional testing. See the links below to find dates, times, and locations that meet your needs. The Skills Test which is administered in-person at a testing site. ![]() Written by a PhD Nurse with over 25 years experience. The Nursing Assistant Tests consists of two exams: The Knowledge Test which can be administered virtually or in-person depending on the testing site. All of these can make a huge difference in your score Practice Tests also reduce Test Anxiety, one of the main reasons for low marks on an exam. Practice tests are a critical self-assessment tool that reveals your strengths and weaknesses, familiarize you with the exam format and types of questions, build your self confidence, and practice your exam time management. Nurses and exam expertsīasic Nursing Client Rights Daily Living Emotional Needs Mental Health Communication Skills Legal and Ethics Member of the Team Answer multiple choice questions strategically.For more information on licensing and exam prep, go to 's CNA Test Guide. Learn what you MUST do in the exam room To prepare for your nursing assistant or nurse aide exam, use ’s Certified Nursing Assistant Exam Practice Test Kit with 300 multiple choice questions, written by nursing experts and educators.Increase your score with multiple choice strategies from exam experts.The written component of the test is typically in a. There is a written component and a hands-on skills component. Practice with 2 complete practice question sets (over 200 questions) CNA exams are normally taken in two parts.Over 200 CNA practice questions, prepared by a dedicated team of exam experts, with detailed answer key, exam tips and multiple choice strategiesįULLY Updated December 2013 More questions added with expanded explanations, plus minor errors and typos fixed Our online practice tests to become a licensed or certified nurse assistant (LNA/CNA) will help prepare you for your states written exam, no matter where. ![]() ![]() Many more fun coloring pages for kids and adults. We love sharing our creative and unique coloring pages with you, so feel free to check out our huge collection of coloring pages. You can get many of these dog coloring sheets in a pdf book format. They provide a range of benefits, from relaxation and stress relief to the development of artistic and fine motor skills. Search through 99161 colorings, dot to dots, tutorials and silhouettes. Select from 73892 printable crafts of cartoons, nature, animals, Bible and many more. These coloring pages offer an enjoyable and creative outlet for individuals of all ages. Small Airplane coloring page from Airplanes category. Coloring pictures of dogs allows people to express their love for these animals and connect with them in a creative way. You can also color these pages digitally!ĭid you find your favorite dog coloring page from the huge collection here?Ĭoloring pictures of dogs, or any animals for that matter, can be a popular choice as dogs are one of the most beloved and cherished pets worldwide. Thousands of new, high-quality pictures added every day. To get your favorite coloring page, choose the image you like, save it to your computer, and then print it. Find Airplane Coloring Pages stock images in HD and millions of other royalty-free stock photos, 3D objects, illustrations and vectors in the Shutterstock collection. Grab your favorite pencils, pens, paints, or crayons, and enjoy coloring these dog coloring pages. Let your imagination guide you, and don’t be afraid to try new things with your puppy coloring page! Dog Coloring Pages Remember, the most important thing is to have fun and enjoy the process of coloring. We also have a huge collection of puppy coloring pages for many more cute dogs to color. Many of these are easy dog coloring pages, and you’ll also find unicorn dog coloring pages, and Christmas puppy coloring pages too! Here are some of the dog coloring pages that you will find here to choose from: Coloring page 733 - Cute dog with a tennis ball in his mouth Coloring page 734. There are puppies, realistic and cute dogs, cartoon and easy dogs, Christmas themed and dog coloring pages for adults.Choose from 300 dog coloring pages in various styles, featuring many different popular breeds of dogs for a fun coloring activity for kids and adults. Coloring page 405 - Jet Airplane Front View Coloring page 406 - School Bus. We collected on this site more than 500 colouring pages of dogs. A Great Dane may weigh 150 pounds and stand about 30 inches high. A Chihuahua may weigh only 1 pound and stand about 5 inches high. Different breeds range from very small to very large. Some of the most popular breeds are beagles, boxers, bulldogs, collies, dachshunds, Dalmatians, German shepherds, golden retrievers, Labrador retrievers, pit bull terriers, poodles, pugs, Rottweilers, Scottish terriers, shih tzus, huskies, corgis, Pomeranians and Yorkshire terriers. Most of these dogs live their lives as scavengers and have never been owned by humans. ![]() Search through 101854 colorings, dot to dots, tutorials and silhouettes. Whether you’re a fan of classic pickups trucks or roaring rally trucks, there’s something for everyone. With a range of exciting designs, your child can unleash their creativity and imagination. We hope they provide hours of coloring fun for your. They range from cute and easy dog coloring pages for toddlers to more difficult dog pictures for older boys and girls. These free printable coloring sheets come in a PDF format and feature a wide range cute dog and puppy pictures. Dive into our collection of 50 printable monster truck coloring pages. Please enjoy our free printable dog coloring pages for kids. It is estimated that 75% of the world's dog population lives in the developing world as feral, village, or community dogs. Select from 75513 printable Coloring pages of cartoons, animals, nature, Bible and many more. Rev up your child's imagination with the roar of monster truck coloring pages. ![]() This influence on human society has given them the nickname "man's best friend". Some of them help humans do their work, including police dogs, army dogs, service dogs, fire dogs, messenger dogs, hunting dogs, sled dogs, herding dogs, or rescue dogs. Today, about 20% of dogs are used as pets. Dogs are domesticated mammals, originally bred from wolves and were the first animals ever to be domesticated. ![]() ![]() ![]() Kindly let us know if this works and also private message the service tag and email address. Generally, they are similar to the ones below on a Latitude E6410 (Figure 2). Basic Input Output System (BIOS) settings for an ambient light sensor vary between BIOS designs. Figure 1: Location of the ambient light sensor. ![]() Press the Start button, click Control Panel, press System and Security, and then select Power Options.ĭrag the slider next to Screen brightness at the bottom of the screen. In the image below, you can see the ambient light sensor next to the camera in the LCD bezel of a Latitude E6410 (Figure 1). You can make the display on my Dell Latitude E6400 brighter to reduce battery life. Many times, you can view the on-screen menu by pressing a button on the front of the monitor. You can also change the brightness settings for some displays by using an on-screen menu, and then setting the brightness and contrast in the resulting menu. Click the + sign next to System Configuration. Immediately start pressing the F2 key once per second (if the computer boots into Windows, shut down the computer and try again). With the computer powered off, press the power button. Immediate results should be seen on the screen making your screen darker or brighter. Ensure that the Keyboard backlit option is enabled in the BIOS. ![]() You can also press Fn and F1 and F2 or F7 and F8 to increase and decrease the brightness. Pressing and holding the function key (abbreviated as “Fn”) and pressing the up, or down arrow keys increases and decreases the brightness. Adjusting the brightness on a Dell Latitude E6400 can be done with just a few strokes of the keyboard. ![]() ![]() ![]() In the family genogram template, you’ll also find a reference table of common line types used to represent different types of relationships and how healthy they are.Ĭontact us if you have any questions about our free social work toolbox. The genogram maker uses Smart Art shapes, enabling you to easily right-click to add more family members or levels. Our genogram template free Microsoft Word document sets you up to easily map out a client genogram quickly. It will add complexity that drills down into the health of family relationships, significant medical details, and anything else that the social worker will feel is helpful in treating the client.įree social work genogram charts help social workers visualize the family relationships and their impacts that can inform therapeutic and support decisions. The genogram typically goes farther than a simple family tree. Sign up here to access and download all of these social worker templates.ĭownload Free Genogram Template Resource PDF | Word DocumentĪ social work genogram is a visual representation that maps out family relationships. These sample questions are based upon the five key categories of the System model of social work theory, which covers the areas of:ĭownload the social work assessment questions examples in PowerPoint or PDF.ĭownload this and all other free social work tools.Ĭontact us if you have any questions about our free social work tools. While each assessment and the questions asked by the social worker will vary according to the client’s situation and individual needs, we’ve categorized potential general questions to use in the following categories. The free social work assessment questions provided by Social Work Portal are designed to help social workers with basic questions relating to client needs so they can better support them with targeted social work interventions. Free Biopsychosocial Assessment TemplateĬontact us if you have any questions about our free social work resources or social worker tools outlined in the sections below.ĭownload Free Social Work Assessment Questions PDF | PPT.Free CAGE Questionnaire for Substance Abuse.Free HIPAA Medical Records Release Form. ![]()
![]() ![]() You should do your business as fast as you can avoiding the three ape killers roaming the corridors somewhere nearby and plunge into the escape portal as soon as you get hold of all the soul shards. They will hunt you all over the place attacking you not only inside the labyrinth, but also in the elevator. So, the first level invites you to a hotel, but nobody will greet you there with a smile – except a horde of red-eyed monkeys armed with machetes. You’ll have to stay on your guard all the time exploring what you can and coming up with new strategies not to end up dead. The levels will also include different allotments of enemies so there won’t be any routine – new foes added into the scene won’t let you relax. But every time the location will be different. ![]() Each of them challenges you to collect all shards of the soul scattered throughout a dark labyrinth. The game features a total of three levels consisting of several chapters. Can he trust this unknown guide so willingly extending a helping hand? Perhaps this is just another trap? You will answer these questions and find out the end of this creepy story playing Dark Deception online! Beware of the monkeys, they’ve got knives! And there seems to be someone willing to help him… A mysterious woman that appeared out of nowhere. He got so overwhelmed with his dark side that he ended up inside his own nightmare. That’s what happened to the hero of Dark Deception. And if you give in to them, you can find yourself in mortal danger. The scariest things in the world don’t wait for us somewhere outside – these are our own fears. Dark Deception Horror Game Play Online For Free ![]() |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |