![]() ![]() "Husband secretly lowers the thermostat and I secretly turn it back up.And I should be committed, too-for being married so many times.” - Elizabeth Taylor She's the most beautiful Denny's you've ever seen though, I guarantee it.” -Ryan Reynolds “I'm just a diaper-changing facility hooked up to a life-support system, but my wife, she's breakfast, lunch, and dinner.I want to hear that you guys watch every episode of The Bachelorette together in secret shame or that one got the other hooked on Breaking Bad, and if either watches it without the other, they're dead meat.” ―Mindy Kaling “I don't want to hear about the endless struggles to keep sex exciting or the work it takes to plan a date night.“A man's main job is to protect his woman from her desire to ‘get bangs’ every other month." -Dax Shepard."Before you marry a person you should first make them use a computer with slow internet to see who they really are." -Will Ferrell.If that’s what you’re looking for, go live with a car battery.” -Erma Bombeckīrides / Mehroz Kapadia Funny Marriage Quotes from Actors and Actresses "Michelle’s like Beyoncé in that song, ‘Let me upgrade ya!’ She upgraded me." -Barack Obama.“My most brilliant achievement was my ability to persuade my wife to marry me.” -Winston Churchill."A man doesn't know what happiness is until he's married.“ My wife didn't take my name, which isn't weird, but what's weird is when people think it's weird, like we're on a first-name basis anyway.” -Mark Agee.“Marriage is not just spiritual communion and passionate embraces marriage is also three meals a day and remembering to carry the trash out.” -Joyce Brothers.So surprisingly we just stopped fighting after that." -Barack Obama "After about 15 years I finally figured out that she's always right.“Marriage is an alliance entered into by a man who can't sleep with the window shut and a woman who can't sleep with the window open.” -George Bernard Shaw.And, so far, it’s working.” -Justin Timberlake The second rule is that I actually do let her have her way in everything. The first rule is that I make her feel like she’s getting everything. “We have a couple of rules in our relationship.If you get a bad one, you will be a philosopher.” -Socrates If you get a good wife, you will be happy. "Because I always say, if you're married for 50 years, and 10 of them are horrible, you're doing really good!" -Michelle Obama.“When a man opens a car door for his wife, it’s either a new car or a new wife.” -Prince Philip.Because I got to marry you." -Chip Gaines “Keep your eyes wide open before marriage, half shut afterwards.” -Benjamin Franklin.“Remember that creating a successful marriage is like farming: you have to start over again every morning.” -H.Can I enjoy my bathroom too?’” -Michelle Obama When he enters my bathroom sometimes I’m like, ‘Why are you in here?’ And he’s like, ‘I live here. “One of the keys to a successful marriage is separate bathrooms.Brides / Mehroz Kapadia Funny Marriage Quotes from Public Figures ![]()
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![]() ![]() The apartments under the Mitchell-Lama program includes cooperative apartments ("co-ops") and rentals. Named after New York State Senator, MacNeil Mitchell, and Assemblyman Alfred Lama, Mitchell Lama is a housing program designed to create and maintain affordable housing for middle-income individuals in New York. ![]() Currently, about 45,000 apartments in New York City are subject to Mitchell-Lama regulation. “Most of the issues raised in the report were resolved by the conclusion of the audit, and HPD has taken additional proactive measures to strengthen our processes.Explore everything there is to know about Mitchell-Lama Housing. “Mitchell-Lamas are a vital source of affordable housing for New Yorkers, and we’re pleased the audit revealed no instances where rules were violated,” Matthew Creegan, a spokesperson for the department, said in a statement. ![]() HPD said in a statement that it has resolved most issues that were brought up in the audit and that it’s taking additional steps to improve the agency’s processes. Developments hold on to those fees while an applicant remains on a waiting list-unless the person withdraws their application or is denied-but it can take years, if not decades, before some actually snag an apartment.ĭiNapoli made several recommendations in the audit, including for HPD to guide managing agents to account for application fees, handle refunds, among other things. If you include lotteries going back to 1997, the developments are holding more than $340,000 in fees for 1,706 applicants, according to the audit. Property managers raked in more than $200,000 in fees from apartment hunters over those three separate years. There were 1,002 applications between the three buildings in 2013, 2016, and 2017 but just 23 residents were actually awarded apartments. The audit zeroed in on application fees at three Manhattan developments: Trinity House, a rental development on the Upper West Side Washington Square Southeast in Greenwich Village, a co-op and York Hill on the Upper East Side, another co-op. “Collecting fees with virtually no chance for an apartment gives applicants false hope and compromises the program’s integrity.” “Mitchell Lama is too important a provider of affordable housing to be undermined by the problems we’ve found,” DiNapoli said. In a statement, DiNapoli said the audit points to “troubling flaws” with the city’s management of Mitchell-Lama developments. Hundreds of New Yorkers routinely compete for a handful of vacancies at a given complex, but that didn’t stop these developments from continuing to collect $200 application fees. The Mitchell-Lama program provides affordable housing to New Yorkers across the state in the five boroughs, 93 of those developments are presided over by the city’s Department of Housing Preservation and Development (HPD), and include roughly 46,500 apartments. Investigators with the comptroller’s office found that “weak oversight” of Mitchell-Lama developments, along with property managers’ failure to return application fees, misled would-be tenants about their odds of landing an apartment and made fees susceptible to misuse. ![]() New Yorkers forked over hundreds of thousands in fees to get on affordable housing wait lists with practically no chance of actually scoring one of those coveted homes, according to an audit by state Comptroller Thomas DiNapoli. ![]() ![]() You can also create radio stations of all your favorites, including podcasts. ![]() With Spotify Premium, you can download songs, you won’t be interrupted with ads, and you can skip unlimited songs. However, the free plan limits you to shuffle play only, and you can’t listen to some new music. You can get Spotify for free, just signed up. They offer 20 million tracks that you can search for, play, and download (with a Spotify Premium plan). Spotify is one of the most popular music services online. Put in my partner numbers and all and after a month it went to a normal account and asked me to pay for premium. I am a current Starbucks employee and from what I know we receive free premium spotify I linked it and followed the steps. ![]() If you decide that you do not want to become a paying user of the Spotify Premium Service. This offer (the “Offer”), which is made to you by Spotify. Starbucks Rewards™ Spotify 60-Days Free Trial Offer Terms and Conditions. It includes 30/60 days/3 month free trial or 3-month use for only $0.99 Spotify deals. Spotify offers many promotion activities to attract new users. Get 3-month Spotify Premium Free Trial On PC/Mac. ![]() Get the family on the Spotify family plan 6 Premium accounts for family members under one roof. 1 month free not available for users who have already tried Premium. Then in order to activate the premium plan in your account, you will be asked to sign in to your account. Head over to this link, and click on the option “ Get Premium “. You can get it by following the steps below –. Free Spotify Premium Starbucks PartnersĬomplimentary access to Spotify’s premium plan is only available for active Starbucks partners.Starbucks Partner Spotify Premium Sign Up.Do you know how to get Spotify Premium for free? Read on to find out how to enjoy millions of your favorite tunes without spending a dime. ![]() ![]() It's context-sensitive, so if you've selected the Orbit tool, it will show you an animation and text explaining how to modify its functions. It is a helpful resource that comes pre-loaded with lots of information. This makes it so that it's easy to access and control visibility without affecting other elements.įurther resources are found in the ‘ instructor’ feature. Uniquely, there are extra helpful tools included in layers, allowing you to view all objects separately. There are also swatches for color themes and textures, view options to zoom in or out on model detail, rendering settings like materials-based lighting colors, and darken skybox option (like changing from day to night). You hace access to the 3DWarehouse browser that allows for finding models within your library. The right-hand side toolbar contains the app's various panels, including a simple help panel, which is useful when you don't know how to use an object. But these generic items will need to be tweaked if the dimensions don’t match what you need. For example, there are generic items such as home fixtures or fittings that you can easily find. The 3DWarehouse is a great resource for finding quality components and fittings, but it can become time-consuming. Additionally, most templates are not just external shells but have interior details too. You will have the ability to create ambitious projects such as mansions or skyscrapers. ![]() The online library includes full models of various building types that you can import into SketchUp and customize to make it your own design. SketchUp also has a vast array of 3D models from which you can download and customize everything from fences to refrigerators. ![]() For starters, the navigation and drawing tools are on opposite sides of the toolbar instead of sharing space like they do with alternative packages. However, SketchUp Make is a different tool from most design software. Then, edit the shapes with precision tools, including pencils, line weights, colors, and more. Easily drag-and-drop shapes from the toolbar into a workspace. SketchUp Make's interface is uncluttered and straightforward, allowing you to focus on your design. ![]() ![]() If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.Īs a matter of policy, BBB does not endorse any product, service or business. of points on a particular piece of land, and presents them as contour lines on a plot. I've been in the mortgage industry for 19yrs, and I have learned more in my 6yrs at Contour, than at any other mortgage company. The staff are friendly and positive and the managers are always helpful and caring. BBB Business Profiles are subject to change at any time. It incorporates elements of the boundary survey, mortgage survey. Contour Mortgage is my family away from family. When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.īBB Business Profiles generally cover a three-year reporting period. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles. As one of the premiere mortgage bankers on the East Coast, Contour Mortgage is uniquely qualified to find the right loan program to suit our clients individual. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. One of the best Mortgage Lenders, Finance business at 990 Stewart Ave, Garden City NY, 11530 United States. Read MoreīBB Business Profiles may not be reproduced for sales or promotional purposes.īBB Business Profiles are provided solely to assist you in exercising your own best judgment. 4.1 Pay & Benefits 4.4 Job Security & Advancement 4.4 Management 4. 4971 customer reviews of Contour Mortgage. We are a small community bank with 25 users. Not only that, the website claims to not charge veterans appraisal fees but charged me $800, along with other fees they claim to not charge veterans. We first started with Ellie Mae in 2004 with Contour and transitioned to Encompass. This intentional behavior caused financial damages to 3 groups of individuals, me, my realtor who paid the fees and fines under the advisement of the same person who advised I divorce my husband, and the sellers. has built a solid reputation for unparalleled customer service to exceed the expectations of home owners and buyers. The rate locked in would expire, and their promise to lend for the house I wanted to purchase would expire. This caused a rift in the business relationship, resulting in reprisal from the branch manager, *****************, claiming he would place my file in an adverse file until I could communicate respectfully regarding the unfathomable and disrespectful request to divorce my family or live out of a hotel until they approve us, maybe 30 or 45 days, maybe next year. ![]() ![]() On or about an employee of Countour mortgage suggested I divorce my husband to get a mortgage lending which was already approved by the underwriter, but delayed resulting in fines and penalties from the seller. ![]() ![]() Due to its large open-source developer community, a large number of libraries for this popular microcontroller are available. The ESP8266 can be flashed and programmed using the Arduino IDE. The module has built-in AT Command firmware and can be used with any MCU via the COM port. It is a complete and self-contained Wi-Fi network solution that can carry software applications as a stand-alone device or be connected with a microcontroller (MCU). It contains a built-in 32-bit low-power CPU, ROM, and RAM. The possibilities are endless! It’s no wonder that this chip has become the most popular IOT device available. ![]() And on top of that, you get Wi-Fi communication, so you can use it to connect to your Wi-Fi network, connect to the Internet, host a web server with real web pages, let your smartphone connect to it, etc. This means that you can program it like any other normal Arduino or other microcontroller. It has 11 GPIO (general-purpose input/output) pins and an analog input as well. It consists of a Tensilica L106 32-bit microcontroller unit (MCU) and a Wi-Fi transceiver. The ESP8266 is a system on a chip (SoC), manufactured by the Chinese company Espressif. On top of that the ESP8266 NodeMcu has a full WiFi that takes care of the WiFi communication to a server or client. ![]() Just like Arduino boards, the ESP8266 NodeMcu has GPIO pins, voltage regulator, ADC, Micro-USB port (for flashing and serial output) – all on one board. Through the build-in programmer and CH340G USB-to-Serial chip, flashing the ESP8266 and serial output on a PC, development and prototyping projects are done with ease. ESP8266 NodeMcu is a popular and widely used development board based on the ESP-12E WiFi Module that combines elements of easy programming with Arduino IDE (C\C++) and WiFi capability. ![]() ![]() ![]() But according to the Federal Trade Commission (FTC) and Consumer Financial Protection Bureau (CFPB), there’s one additional step you should always take to ensure your rights as a customer are fully protected by the FCBA: send a written letter of dispute. Exactly how to dispute a charge might depend on your card issuer. If you find you have a charge eligible for dispute, it’s time to take action. You must have first made a good faith attempt to resolve the issue with the seller.The charge must exceed $50, unless your card issuer says otherwise.You must have made the purchase within 100 miles of your current billing address.However, there are additional stipulations: The FCBA also states that you can file a dispute with your card issuer if you make a legitimate charge but have a problem with the goods or service you paid for – for example, if the quality of the goods didn’t match what was advertised, or they were defective. If you wait longer, it’s not guaranteed your credit issuer will acknowledge the dispute. From the day you receive the erroneous bill, you have 60 days to file a dispute. Installment loans or similar extensions of credit are not covered. Only “open-ended” credit accounts – accounts like credit cards or department store accounts where you can make repeated withdrawals and payments – are covered by the FCBA. An “open-ended” credit account was charged.Before disputing a charge, it’s a good idea to make sure it will be covered by your card issuer. But many credit card issuers fully protect their customers from fraudulent purchases by providing $0 liability policies, as long as the customer took reasonable care to protect their account information. According to the FCBA, only charges over $50 are eligible to be disputed. If not a mistake, the disputed charge must be fraudulent or unauthorized. You can also file a dispute if your credit card issuer fails to send bills to your current address, provided they receive written notice of an address change at least 20 days before the billing period ends. The FCBA states that disputed charges must be legitimate billing errors, such as incorrect dates or amounts, returns or canceled orders that weren’t credited, or goods that weren’t delivered as agreed. The disputed charge is a legitimate error.Otherwise, your right to open a dispute on questionable credit card charges is protected by law, as long as it follows some requirements: If that’s the case, you, as the primary card member, are responsible for those charges. For example, if you see a charge that you don’t recognize, check with any additional card members or authorized users to see whether they made the purchase. Before disputing a credit card charge, the first step is to make sure you actually need to – and can – file a dispute. ![]() ![]() ![]() The store used its mascot, a loveable giraffe named Geoffrey, in TV spots for the company beginning in 1973 soon he was a TV commercial staple, even acquiring a wife, Gigi, and children Junior and Baby Gee. TV helped consolidate Toys ‘R’ Us’s brand, too. Companies like Mattel could now market their newest offerings to kids directly, which fueled demand for the toys Lazarus stocked. As television reached more and more households, Toys ‘R’ Us benefited from advertising by toy manufacturers. And department stores, which had once relied heavily on seasonal toy sales, soon realized that Toys ‘R’ Us had created a year-round demand they weren’t able to serve as effectively.Ī woman and her child shopping in a New Jersey Toys R Us which features their mascot, Geoffrey the giraffe, 1996. Mom ’n’ pop toy stores buckled, unable to captivate children with the sheer promise of discovery offered by Toys ‘R’ Us’s large inventories. This made Toys ‘R’ Us into what retail historians recognize as the first “category killer”-a company that so completely dominates its retail category that it drives all of its competition out of business. ![]() Lazarus bought and sold so many toys that he was able to negotiate contracts to buy toys for cheaper than his competitors. As Japan rebuilt its economy, it began to produce inexpensive toys, like tin robots and cars and stuffed animals, that Lazarus purchased cheaply and in bulk. Potato Head to Barbie to the Easy-Bake Oven. The 1950s and 1960s ushered in some of the most iconic toys of all time, from Mr. The store’s bare-bones appearance didn’t seem to matter to consumers, who were entranced by the toys within.Īnd what toys. While other toy shops had display cases and decorative interiors, Toys ‘R’ Us had concrete or tile flooring (better for the bottom line) and rows of toys laid out next to each other, grocery store-style. Lazarus’ idea was deceptively simple: build a supermarket for toys. Other Jewish industry superstars include Isaac Heller, who converted military surplus into toys for boys in the 1950s, Elliot Handler, the founder of Mattel, and Milton Levine, creator of the wildly popular “Milton’s Ant Farm,” which was a hit with kids during the 1950s and 1960s.ġ970s Toys R Us ad, still associated with the Children’s Bargain Town name. “The modern American toy industry was really created by Jewish soldiers coming back from the war,” he says. Gottlieb sees Lazarus as part of a bigger wave of entrepreneurship that took hold in the post-war years. “What Lazarus really captured was this sense of American abundance after the war and after all those years of depression,” says Richard Gottlieb, founder of Global Toy Experts and an authority on the toy business. Lazarus’ stores, on the other hand, were orders of magnitude larger than their competitors, and presented a smorgasbord of thousands of different toys.īig-box stores like Toys ‘R’ Us astonished the era’s consumers, who had simply never seen stores that big and crammed with merchandise. Most toy stores were small and family-run, and only carried a limited line of products. The new megastore took a supermarket-style approach to toy selling, which distinguished it from every other toy store in existence. In 1957, he got out of the baby furniture business, renamed his company Toys ‘R’ Us and created the first ever big-box toy store. He had an idea that was bigger than Children’s Bargain Town or any kids’ store he had ever seen-a massive store filled with every toy in existence. He started selling a few inexpensive toys, then added to his inventory as they proved popular.īut Lazarus wasn’t content to stop with a single store. Specializing in baby goods, it only began selling toys once Lazarus realized customers didn’t come back for more strollers, high chairs and other baby goods with their second child. Lazarus opened his first store, Children’s Bargain Town, in Washington, D.C. It was the end of an era for the store that once held a lock on the entire toy industry and made toy shopping-once a seasonal treat-into a regular family outing. In March 2017, the 70-year-old business announced that it would call it quits. Now, the retail giant has been forced into bankruptcy, the victim of a retail model it helped pioneer. Once a retail juggernaut, the store dominated the entire toy industry-and children’s imaginations-by driving its competitors out of existence. Those instincts didn’t just help Lazarus capitalize on the baby boom: They helped originate Toys ‘R’ Us. ![]() ![]() Instead, age-related changes in decision-making strategy from adolescence to adulthood arise because of changes in the value assigned to immediate reward versus future utility of information. ![]() These results suggest that decision-making in adolescence is not constrained by an inability to consider decision horizon, as the number of future decision choices available influenced exploration behavior. However, in games where participants would ultimately make six free choices, increasing age was related to an increased tendency to explore, reflected in a tendency to choose the lower value, higher information option. When there was only one free choice in the game, all participants generally exploited the high reward option. fewer previous payouts displayed during fixed choices). The dependent variable was the choice participants made on their first free choice.Īlthough overall levels of exploration did not vary with age, the strategic use of exploration differed from adolescence to adulthood, particularly in cases where one bandit had a higher reward value, and the other contained higher information value (i.e. In other games, the fixed choices were unevenly distributed (one choice selected once, the other selected three times). In some games, the fixed choices were evenly distributed between the two choices, so participants had the same amount of information about each choice. Each game began with four fixed choices (made by the computer). Somerville and colleagues (2017, Journal of Experimental Psychology: General) (PDF, 315KB) had participants aged 12–28 play one-armed bandit games in which two choices that differed in average reward magnitude were presented. ![]() As teen dramas routinely remind us, sexual development is often coupled with decision dilemmas that entail an assessment of risk. examine the contribution of the amygdala to the development of typical social behavior as animals reach sexual maturity. This could be due to either an influence of amygdala damage on hormonal function, which would influence mating-relevant social behaviors, or to the fact that amygdala damage influenced dominance status (all but one of the amygdala-damaged females had the lowest social ranking), which would give these animals less access to the male. Observations during the first month of group formation revealed that while control and hippocampus-lesioned females interacted with the male in predicted ways, amygdala-lesioned females spent less time interacting with the male, and displayed fewer behaviors that signal sexual or reproductive interest (e.g., contact, proximity, reciprocal grooming). In this study, social groups consisting of one adult male, one amygdala-lesioned female, one hippocampus-lesioned female, and one control female were formed when females reached the beginning of sexual maturity (approximately 4 years old). This is a continuation of their longitudinal analysis of affective and social behavior in rhesus macaques who received lesions at two weeks of age and were then socially housed (see Article Spotlight: Early Damage to the Amygdala or Hippocampus Has Subtle Effects on Adult Social Behavior). ![]() Moadab and colleagues (2017, Behavioral Neuroscience) (PDF, 307KB) examine how early amygdala and hippocampus damage influence social behavior in adolescent female rhesus macaques. ![]() These behaviors are studied in two recent papers. The strongest stereotypes of adolescence are portrayed in countless television shows and movies: the emergence of sexual interest and behavior, and decision-making dilemmas. Adolescence is an important developmental stage, characterized by marked biological and physiological changes.īehaviorally, adolescence is associated with volatile emotions and boundary-testing behavior as individuals explore and assert personal identity, learn to navigate peer relationships, and transition to independence. ![]() ![]() ![]() If you’re interested in using reddit for self-promotion check out our Official Spam Policy. Other Subreddits you may be interested in: This unfortunately includes reloading components like brass, and projectiles. Due to reddit policies all posts selling, trading, or buying ammunition are forbidden. Buy Hodgdon Benchmark Precision Target reloading powder Ideally suited for benchrest and small varmint cartridges like the 6mm PPC, 22 PPC, 6mm BR, 223 Rem. The powders with medium burn rate in the 5.56 range, such as Benchmark, H335, AA2230, AA2460, TAC, Power Pro Varmint, are better 'overall' choices for wider range between 50-77 grain. ![]() If you'd like to post reloading equipment for sale, for trade, or a request for something you'd like to buy please put, , or respectively, at the beginning of your title. R/Reloading discord join us for supplies and helpful conversation: Https://discord.gg/reloading Posts titled " Help! New Reloader." will have less responses than a post titled like "Questions about crimp for. By using slow-burning powders, long barrels and big cases necked way down, speeds of 4,700, even 4,800 fps have been attained. Both are extruded powders but they are short cut so the granules are very small. There is a 48 lb maximum of powder allowed per HazMat fee, however, if. For a 62 grain projectile, I would try 8208 or Benchmark. Please make sure you title is relevant to the specific question you are asking. Primers & powder ship ground freight to the 1st 48 states. Powders: RL-15, RL-7 are Accurate Arms Powder H335, H4895, Benchmark. 25 gr Benchmark -or-24.7 gr H335 55 gr FMJ or SP 25. Regarding loads, Barnes said, you can use other published load data from Hodgdon. Will be ran through an 18 inch bartlein barrel. Going to start loading this powder when I run out of factory loaded BH 77g. Remember, if you post a picture, make sure to provides some context. Post your 5.56 AR Loads here Ill Start off 23.6gr 8208XBR 77 SMK 1xLC Brass 205M 2710 20' WOA. ![]() |
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