For eligible contributors who filed a final payment request prior to the September 30th deadline, you should receive it by December 31st. Sixteenth note Musical note Quarter note Eighth note Rest, music notes, miscellaneous, monochrome, musical Notation png PNG keywords resize png License. Clipart library offers about 50 high-quality Cliparts Quarter Rest for free Download Cliparts Quarter Rest and use any clip art,coloring,png graphics in your website, document or presentation. Doodle Sticky Notes, Washi Tape, Post-it Clipart. Decreased business and increasing costs has made it no longer possible to keep operating, to our great disappointment.Īs advised in our announcement on September 1st, all our membership agreements have now been terminated. 18 x Color Music Notes SVG PNG Files Bundle Musical Notes Heart Violin Clipart School Guitar Digital Instant Download Set. Today of course everyone has a capable digital camera in their pocket, and the advent of AI means amazing images can be created from programs with just a few keywords. Music Notes Cross Clipart Clip Royalty Free Stock Musical - Music Symbol Icon Png Transparent Png. The industry has changed significantly over this time, with CanStock launched in 2004 during the early mass adoption of digital cameras, and before "social media" was even a phrase. Download hd Music, Symbol, Symbols, Musical, Notes, Writing, Rest - Sixty Fourth Note Rest Clipart and use the free clipart for your creative project. Can Stock Photo has now ceased operations.Īfter nearly 20 years in business we have been forced to make this very difficult decision and would like to thank our many thousands of talented contributors and customers for making it possible.
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If you find yourself in a situation where you need the length of the clip and the speed of the zoom to be independent, you are going to have to find a workaround.įor example, maybe you want to zoom in on the actress’s face and then let it linger there for a while. This is both simple and convenient, and highly frustrating when it isn’t exactly what you want. The speed is entirely dependent on how long your clip is. There is no setting to control how fast your clip will zoom and/or pan from the start box to the end box. Changing the Speed of Your Zoom, if Needed iMovie helpfully adds it automatically as a quick indicator of what is going to happen in your clip given how you arranged your boxes. Given my arrangement of the boxes in the screenshot above, the clip will start with the Famous Actress’ head and left hand filling the screen, then as the clip plays it will zoom in to a closeup of her head, while also panning slightly up and to the right.Īstute readers may have noticed a yellow arrow in both screenshots, showing the path the clip will take from the center of the start box to the center of the end box. I’ll show you one more example below, which has more zooming and less panning. Then, I moved the end box to center on her face and shrunk its size so that the clip would end with just her head visible. So, what I did in my example above was move the start box to focus on the actress’s hands and changed its size so that just her hands will fill the screen when my clip starts playing. Third, you can move an (activated) box by clicking anywhere inside it and moving your mouse or trackpad to where you want it to go.įourth, you can change the size of a box by grabbing one of its corner handles (again, where the red arrow is pointing in the screenshot above) and dragging it towards or away from the center of the box. Second, you can switch between having the start box and end box be the active box by pressing the squiggly arrow icon, highlighted by the blue arrow in the screenshot above. Now, I have done a lot of moving and resizing of the boxes between the first screenshot that showed the default position of the white boxes and the one above, so let me backup and explain how you move and resize the boxes.įirst, you can only adjust the box that is activated – and the activated box is the one with the large white corner handles, shown by the red arrow in the screenshot above. If I arrange the boxes like in the screenshot below, that is exactly what will happen: And, if it is not too obvious, the box labeled End will be what is seen in your movie when the clip ends.įor example, the way the boxes are placed by default (and shown in the screenshot above) will result in your movie clip starting with the entire image being shown, then slowly zooming in to a somewhat closer view of the Famous Actress.īut let’s say I wanted the clip to start with a closeup of her hands, and then move and slightly zoom in on her face. The box labeled Start (see the green arrows in the screenshot above) determines what will be seen in your movie when your clip starts. When you do this, the white boxes seen in the screenshot above appear on your image. Step 3: Click on Ken Burns, where the red arrow is pointing in the screenshot below. When you’ve done this, a new row of cropping tools appears between the image and the cropping icon you just clicked on, as can be seen in the screenshot in Step 3, below. Step 2: Click on the cropping icon (where the red arrow is pointing in the screenshot below) at the top of the Viewer window, in the upper right corner of iMovie. Step 1: Select the clip you want to apply the zoom effect to. The way you do get this motion in iMovie is through what Apple calls the Ken Burns effect (I’ll explain later where this name comes from) and can be done in four easy steps. The camera isn’t moving, and the action isn’t moving, but you are zooming into one part of the scene. Zooming in or out of a video clip in iMovie is a lot like changing the zoom on your iPhone. So, Who Was Ken Burns and Why Does he Have His Own Effect?. Changing the Speed of Your Zoom, if Needed. There are several important tools for this:īuilding placement: Do not place the Wizards Guild on a side that gets a huge amount of enemies. Wizards die really easily, so it's your job to keep them alive. Meteorite storm: Learned at level 8, this skill allows wizards to kill every enemy in a large area very quickly meteors repeatedly land on a point, doing big splash damageįireball: Learned at level 5, like a single-hit meteorite stormįire shield: Learned at level 2 this allows monsters a few hits on a wizard (instead of one hit) before he dies Teleport: Not that useful, but they move faster when needed Magic resistance: Mostly useless, except against Vampires' spells (in my experience) When the Wizard reaches the said level, he can use that spell.įire blast: Learned at 3, effectively allowing him a guaranteed kill on most enemies before they can hit him Keep harpies away from wizards at all costs!ĭifferent spells are learned at different levels. Note that harpies are immune to magic (from my experience). Wizards are useless without the spells trained in the Library. They're essential for many missions (including Dragon Hazard). The best damage-dealing units of the whole game when levelled up. Paladin (in Warriors' Guild with Temple of Agrella): walks faster, hits better, and more likely to explore than Warriors they survive VERY well, but cost significantly more Warrior (in Warriors' Guild): the bread-and-butter of your army pretty tough and can pretty much survive on their own General Info & Tips (strongly recommended) Note that the directions used in this walkthrough will assume that the top of the map is North, the left is West, and so on.ġ. This walkthrough is only for Bloodthirsty (the hardest difficulty), although the easier difficulties should be fine with the strategies too. This is a Majesty: The Fantasy Kingdom guide and walkthrough for the Android game. These pests procreate rapidly, with a single female birthing up to 12 pups per litter and producing up to 7 litters per year. Rats live in large colonies, building single nests that house up to 10 rats at a time. Rats are known to get into both human and animal food sources and have been estimated to contaminate around 20% of all foods in the United States each year! One of the biggest problems with rats is that they can easily get into small cracks and crevices of less than 1 millimeter in length. Rats have even been known to attack infants and pets, and even the elderly or those with mobility problems who are sitting for long periods of time with food on their hands or bodies. Rats are also carriers of serious diseases including the plague, pulmonary fever, typhus, leptospirosis, hantavirus, trichinosis, rat bite fever, infectious jaundice, salmonellosis, rat mite dermatitis, trichinosis and more.Ī large infestation of rats in the home can also worsen asthma and allergies in those with sensitivities. Rats get into our homes and behind our walls, where they chew electrical wires and can destroy foundation and building structures or even cause house fires and electrical issues. There are a few reasons rats are so dangerous for people. In fact, it has been estimated that for every one person in the United States there is a rat. They are present in every state and environment in the United States. No matter where you live, rats can be problematic. This is because rats rely so heavily on what we humans provide for them, which are their three basic needs for survival. In fact, rats and mice are so closely linked with human beings that they have been coined as “domesticated rodents”, according to the Indiana Department of Health. Rats are highly intelligent and adaptable rodents that have lived alongside humans for centuries. Worse, they carry serious diseases and can cause expensive and dangerous damage to our homes. Rats are problematic because they live in such close proximity to people. So, Peppermint Oil And Rats – Let’s Sum It Up!īut First, Let’s Talk About Rats And Why They Are Such A Nuisance.Other Tips and Tricks For Repelling Rats.Harris Peppermint Oil Repellent Spray for Mice and Rats.MDX Concepts Rodent Control Peppermint Oil Pouches.MDX Concepts Organic Peppermint Oil Pellets.Natural Armor Peppermint Repellent For Rodents.Mighty Mint Peppermint Oil Rodent Repellent Spray.Best Products To Use That Already Have Peppermint Oil For Rats.Peppermint Oil For Rats – Does It Really Work?.But First, Let’s Talk About Rats And Why They Are Such A Nuisance. That's why there are countless parents out there that would give the world to their kids in a blink of an eye. That was just a simple poem where parents are wishing their daughter a beautiful life, while also mentioning that they love her very much.Īll parents want the very best for their daughters and sons. While the previous ones were specifically from the mother or father. So this poem may be given to a daughter from both dad and mom. The next one is a poem from parents to their daughter. Well I hope that poem helps all you fathers out there show your daughters how much you love them and how much it means having them in your lives. Fathers express their love for their children through their selfless actions (always being there for them when needed). Since fathers are also men, sometimes it may be difficult for them to express how they feel in words or verbally. So if you're a father and you have a daughter, share the following poem with her. Fathers seem very protective when it comes to their daughters, and rightfully so. All fathers love their daughter very much, and always wish the best for them, and want to make sure they're safe. Now, here's a poem from a father to a daughter. But while other friendships may end for one reason or another, the bond and friendships between a daughter and her mother are rarely ever broken. Since the daughter no longer requires instructions at every step and has become a self-thinking individual who makes her own decisions.Īs a result, the mutual friendship is based on things such as trust and understanding, where both the mother and daughter both seek and offer advice and reassurance. When a daughter is still a child, the mother offers guidance and tries to be the best possible parent and role model that she possibly can.īut when this child grows up and becomes a young adult, the relationship may change more into a close friendship. I'm actually going to email this poem to my mom and tell her to share it with her only daughter (my sister). The next poem is from a mother to a daughter, who are usually quite close and share a special bond. If she's really young, you could still share it with her and she'll eventually understand it and it will mean a lot to her in the future.Īnd if she's older, she'll appreciate it when you share it with her right now. Remember, it doesn't matter how old she might be at the time. I hope you get a chance to share this poem with your daughter. The following poem will help you tell your daughter that you love her very much. This type of bond is clearly based on a lot of love and unwavering trust. In a close relationship like that they also tell each other everything (even the most personal things). They call each other every single day to see how the other person is doing. When this happens it seems like they're inseparable. The bond between a parent and her or his daughter has the potential of being very strong. This poem is perfect for you to share with your daughter if you're both very close. Now's here's a poem that talks about a daughter and what it means to have a daughter in one's life. I think it may be even more special if we surprise our daughters and share it with them on a random ordinary day. We don't need to wait for her birthday or a special occasion to send her daughter birthday cards or to share a poem like this with her and share our love. I think it's a very nice gesture of gratitude that we may show them also their beautiful daughter poems. Maybe mother daughter poems can express the honest feelings of true commitment and picture all the appreciation for our daughters The best way to share poetry and to connect with someone you love. That's exactly what the first poem is trying to communicate. It's always a pleasure to gift our daughters with poems birthday cards or select the best messages and quotes for them, read poetry it's such a great way to celebrate them. No matter how old our precious girls may be (5 years old or 55) big or little, it's always nice to let them know how much we love them and how much they mean to us. There's also one written for a daughter's birthday, a funny/humorous one, and several more, unique poems. Some of these poems are more specific and meant to be shared with a daughter by her mother or father. Here's a collection of sweet poems for daughters that you may share with your wonderful daughter(s).
Depending on the brand and size of the mold you are using, you might need less or more fruits and/or gelatin mixture. The 4 cups of apple juice is just perfect for the size of our pan. Slowly pour cooled apple juice gelatin over the fruits, covering to the top (including the red layer of grapes). You then want to halve all the grapes, assemble the green grapes and finish with red grapes.Įvery layer should be spread equally throughout the mold and the pan should be filled with fresh fruits all the way to the top. To assemble the fruits, we start with the red layer of fresh raspberries, followed by cubed mangoes and then another red layer of strawberries. Start by making the gelatin mixture so that it cools to room temperature while you assemble the fruits in the bundt pan.
Melody, Stacey, Atomic Wrangler crier, Mini Boomers (female), New Vegas citizens (female), children (female) Ringo, Oliver Swanick, Henry Jamison, Nolan McNamara, Lucius, Aurelius of Phoenix, Lars Taggart, Fitz, Keller, Scribe Ibsen, Senior Knight Lorenzo, Ike, Antony, Otho, Alexus, Sergio, Alerio, Sergeant Andrews, Billy Bettis, Daniel, Rick Lancer, Tapper, additional voicesĬomm Officer Lenk, Lacey, April Martimer, Ranger Gomez, additional voices Layla, Joana, Ranger Kudlow, Ranger Ericsen, Private Gilbert, additional voices Gamblers (female), travelers (female), additional voices Regis, Oscar Velasco, Old Ben, Canyon Runner, Manny Vargas, Jack, Roy, Mick, additional voices Grecks, Klamath Bob, Norton, Harland, Hadrian, Kyle Edwards, Dennis, ghouls (male), additional voicesĭeputy Beagle, Mister Gutsy, super mutants, additional voices Thomas Hildern, Mortimer, Dusty McBride, Johnson Nash, Orion Moreno, Chomps Lewis, Crandon, additional voices Trudy, Red Lucy, Emily Ortal, Pretty Sarah, Sarah Weintraub, Comm Officer Scheffer, Siri, additional voices Kemp, Michael Angelo, Motor-Runner, Driver Nephi, O'Hanrahan, Philippe, Razz, Saint James, Silus, Swank, Jimmy, post-War audio log, Vault 11 narrator, additional voices Clair III, Quartermaster Mayes, Clanden, Clayton Ettienne, Ranger Erasmus, Private Halford, Lieutenant Hayes, Jake Erwin, Dr. Private Ackerman, Allen Marks, First Sergeant Astor, Quartermaster Bardon, Sergeant Bitter-Root, Carlyle St. Kilborn, Jules, Dermot, Frank Weathers, Jeremy Watson, Johnny, Lee Oliver, Logan, Marco, Ranger Milo, Private Renolds, Ranger Stevens, Troike, additional voices Major Polatli, Ranger Andy, 10 of Spades, Jean-Baptiste Cutting, Eddie, Sammy Wins, Tyrone, Bryce Anders, Lieutenant Romanowski, Corporal Sterling, Sergeant McCredie, Lieutenant Monroe, Dennis Crocker, Alex Richards, Sgt. Keely, Gomorrah bartender, ghouls (female) Melissa Lewis, Diane, Linda Schuler, Alice Hostetler, additional voices Fallout: New Vegas voice actors ImageĬarrie Boyd, Julie Farkas, Doctor Usanagi, additional voices The borrower has recently updated their contact information.Borrower signature varies between the short sale contract and loan origination documents.The borrower quitclaimed (any portion of) the title to a third party at the advice of a foreclosure specialist.Borrower states that they will be renting back from new owner.Borrower receives a purchase offer greater than the listing price.The borrower states that they are sending mortgage payments to a third party.The borrower has paid someone to negotiate with the servicer on their behalf.The borrower was advised by a foreclosure specialist to avoid contact with the servicer.The borrowers often pays for services that they never receive and, ultimately, lose their homes. Two notes may be identical except for signatures (or one may be a color copy)Ī foreclosure rescue scheme involves foreclosure “specialists” who promise to help the borrower avoid foreclosure.Mortgage is not recorded in first lien position.Two mortgages recorded on the same property.Mailing address is not the borrower’s address.Purported tenant has a pre-existing relationship with the homeownerĪ double sale is the sale of one mortgage note to more than one investor.Inability to validate lease terms with the purported tenant.The borrower has minimal or no equity in the original property.The borrower will be a first-time landlord (renting out the original property).The borrower defaults on the original mortgage shortly after purchasing a second property.After the new property has been secured, the buy and bail borrower will allow the first home to go into foreclosure. The homeowner is current on the mortgage, but the value of the home has fallen below the amount owed, so they apply for a purchase money mortgage on another home. All comparables are from within the subject’s development and also had inflated sales prices.The Closing Disclosure reflects unexplained pay-outs or inflated commissions (paid outside closing to buyer).Builder’s marketing material advertises rent credit and/or payment credit to investors.Typically involves new construction or new condo conversion.The lender is experiencing financial distressĪ builder bailout is when a seller pays large financial incentives to the buyer and facilitates an inflated loan amount by increasing the sales price, concealing the incentive, and using a fraudulently inflated appraisal.Unable to independently validate chain of title.Common mailing address among loans is used in scheme. Common payer among loans is involved in scheme.Mortgage payments are made by an entity other than the borrower.No real estate agent is employed (fictitious transaction).Air loans typically involve straw buyers (refer to “Straw Buyer Characteristics” section).Common tactics include the use of straw buyers, falsified gift funds, and altered employment or assets documentationĪn air loan is a loan to a straw or non-existent buyer on a non-existent property.The borrower works for what appears to be a member of the group.Large gifts from group members as the source of down payment.The borrower's excessive assets do not align with job type.Common surnames for multiple parties to the transaction.Parties to the transaction (loan officer, closer, realtor, borrower, appraiser, etc) have a common bond.Certain ethnic, religious, professional, or age-related groups are targeted. In affinity fraud, perpetrators rely on a common bond and exploit the trust and friendship that typically exist in the group of individuals with a common bond to support the scheme. These characteristics are only indicators of a potential scheme the presence of one or more of these characteristics does not necessarily mean that there was fraudulent intent, but it may warrant careful examination.īuilder Bailout/Excessive Sales Incentive Inconsistencies in the loan file are often a tip-off that the file contains misrepresentations (more detailed loan-level “red flags” are published in the Fannie Mae document Common Red Flags). Fraud Schemes and their Characteristicsįannie Mae is committed to working with our industry partners to help combat fraud by providing this list of fraud schemes and their characteristics.Ĭommon characteristics accompany most fraud-for-profit schemes, and identifying them can be helpful in determining whether a loan is part of a larger fraud scheme. Fannie Mae's Mortgage Fraud Prevention page provides a variety of resources and training to help you detect and prevent mortgage fraud. We offer a variety of resources to help you detect and prevent mortgage fraud. Resources to Help You Combat Mortgage Fraudįannie Mae is committed to preventing mortgage fraud whether perpetrated by a borrower, a lender, or another person or institution. Thunderbolt 3 over USB-C ensures that users will be ready for the future-it shouldn’t need any expensive clumsy dongles to adapt. HP armed the Spectre laptop with I/O for today and tomorrow-a perfect cocktail of new and old. I did appreciate the 802.11 AC 2x2 Wi-Fi but enabling a wireless display and wireless docking with AD would have been even better. The Spectre x360 also comes with a discrete NVIDIA GeForce 940MX GPU, which won’t enable VR or high-end gaming, but will suffice for good entry-range gaming and a lot of productivity use cases (such as design). The Spectre’s 512MB PCIe-based NVMe storage is gigantic and gives the entire system a snappy feel-essentially speeding everything up from boot to opening and saving files. You can find other 15” laptops with quad cores on the market, but nothing as thin as the Spectre, with a 4K display, and the impressive battery life (more on that later). The Spectre also excels in performance for a dual core solution, using the latest 15 watt, dual core, 2.9 Ghz., Intel 7th generation Core i7 processor. Looks obviously aren’t everything when it comes to devices-in fact, they’re just the tip of the iceberg. In my opinion, it works a whole lot better with 4K video than its predecessor. Photos and videos look superb on the display, enhanced by the fact that the display is 4K and bonded with no air gap-nothing to get in between it and your eyes. Premium notebooks with big bezels soon will be as stylish as wide lapels. The 4K 15.6” IPS touch display provides 70% of the sRGB color gamut and has very small bezels. However, I did make use of it in movie mode to watch videos. I appreciate the 2-in-1 flexibility of the device, though never used it as a gigantic tablet-it’s just too big. It looks incredible and unique, and even I (who regularly cycles through countless devices for review) can’t help but stare at this one. The device is crafted with CNC’d aluminium, ash silver and copper, with bevelled edges-no matter where I took the Spectre, someone asked me what it was. I don’t like to gush, but when it comes to design, the Spectre is one of the most beautiful 15” convertibles I’ve ever used. |
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