Business purpose loans, such as DSCR (Debt Service Coverage Ratio) mortgages, allow property investors to grow their portfolios. Non-Prime products enable first-time homeowners with a thin credit history or borrowers with a past credit event to fulfill their dream of homeownership while building or rebuilding their credit history. Expanded-Prime products are ideal for the self-employed and business owners. Having a variety of Non-QM products allows lenders to meet the needs of different borrowers. Asset utilization programs use a borrower’s financial assets, including personally held stocks, bonds, mutual funds, and vested amounts of retirement accounts, to ensure the borrower has the liquidity, if necessary, to cover the loan. Business expense calculation programs determine a business owner’s ready cash-flow by deducting regularly recurring business expenses from revenues. For example, bank statement programs use 12-24 months of recent bank statements to confirm borrowers’ income and cash flow. More innovative, top Non-QM lenders have multiple programs available to qualify a borrower. Traditional mortgage lenders typically use a W2 and employer information to do so, but the self-employed or business owners are often unable to provide traditional documents. Service Quality: The overall quality of the lending experience - for all parties involved - is the most important satisfaction metric of all.Īs part of the approval process, lenders must evaluate a borrower’s income and ability to repay.Competitive Pricing: There are pricing variances within the Non-QM market, just as there are within the traditional mortgage market.Underwriting Strength and Flexibility: Some Non-QM lenders have more flexibility than others to make underwriting allowances and exceptions.Product Variety: Different borrowers have different needs.Multiple Non-QM Qualifying Programs: The more ways that a lender can qualify a borrower, the more likely they’ll be able to offer a loan.Here is a quick list of the five most important qualities in a top Non-QM lender: How responsive is the lender? Do they keep all parties in the loop and provide frequent status updates? How fast can they get the loan to closing? Then, there is the service experience itself. Origination fees, such as title and closing costs, also impact the overall cost of the loan. There are different types of loan terms and rates that vary from lender to lender. The application and approval process can be time-consuming and, in some cases, mind-boggling. Mortgage lending, QM or Non-QM, is complicated simply because there are a lot of moving parts. That said, it is a myth that Non-QM loans are only for higher-risk borrowers with poor credit. Non-QM loans are often an option for those who have had a credit event in the past – perhaps a bankruptcy or late payments on a previous mortgage. Some borrowers fall outside specific qualified mortgage requirements, such as a less than 43% debt-to-income ratio. First-time home buyers typically have a thin credit history. Self-employed borrowers, business owners, and entrepreneurs who technically ‘work for themselves’ cannot produce the traditional employment and income documentation such as a W2 to verify their income. Not everyone who wants and can afford to take out a mortgage can provide the credit history and/or employment and tax documentation necessary to obtain a qualified mortgage. Non-QM loans, mortgages made outside the government-sponsored mortgage market, fill the void for the tens of millions of credit-worthy borrowers who don’t fit the qualified mortgage mold. Qualified mortgages also support the risk parameters required for purchase, insurance, or guarantee through the Federal Housing Administration, Veterans Affairs, United States Department of Agriculture, or a Government-Sponsored Enterprise (GSE), such as Freddie Mac and Fannie Mae. A qualified mortgage is simply a mortgage that adheres to a set of federally mandated criteria for originating a loan. In 2014, the Consumer Finance Protection Bureau, primarily in reaction to the mortgage crisis of 2008, established the qualified mortgage.
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Oh stupid me, though… I went to that restaurant one day in a python jacket and python boots that matched. I began by going to a Quaker restaurant in Greenwich Village, and I would take my carnivore friends – they’d ask for hamburgers and French fries but get a plant-based version, and you couldn’t tell the difference. I started out in vegetarianism for health reasons. I like MorningStar Farms vegetarian burgers and nuggets – they do a pretty good job. In my fridge you’ll always find vegetarian food. MorningStar Farms vegetarian burgers and almond milk – always in Dan’s fridge © Timothy O’Connell What really stood out for me was that when he changed his style of music, and started playing acid rock instead of jazz, he also changed what he wore.Ĭalfskin boxing shorts for Floyd Mayweather’s bout with Logan Paul in June 2021 © Timothy O’Connell Miles Davis and John Coltrane were the first to develop their own style of dressing. What I admire about Davis is the way he rebelled against the musicians who came before him, the black musicians who during the Harlem Renaissance era were required to wear what they called “jungle clothes”, or clothes that were symbolic of Africa. Fashion and music are opposite sides of the same coin. When I look at his work I am always trying to figure out what he was thinking about, how he reacted to the world.ĭapper Dan at his atelier in New York © Timothy O’Connell The one artist whose work I would collect if I could is Basquiat. Life is like that – you have to know when to get in and when to get out. As I got older, I realised how symbolic and significant that was. We used to throw a popsicle stick in to see which way the current was going and work out where to dive in so that we didn’t have to swim against the current, which could be very strong. I was born in the last house before you get to the river. The site that inspires me is the Harlem River. I was 14 before my parents could afford to shop anywhere except Goodwill I also like the tribal fabrics created by the Maasai, who fluctuate between Kenya and Tanzania, and all through east Africa. When I visited Lagos, I learnt how to print on African cloth. My quest with my brand, which I’m launching in spring 2022, is to have my own iconography. My whole thing with fashion is symbols – like the way I’ve made use of the Gucci logo and other brand logos. The last thing I bought and loved was African fabric from Nigeria. I was maybe 14 before my parents could afford to shop anywhere else but Goodwill. One of the most amazing things he wore was a black leather Aquascutum trench. Every morning when I was growing up, my older brothers and I would get up in the window to watch this guy walking towards the Subway, just to see what he was wearing. My earliest fashion memory is watching Moustache Bobby – that was his street name – walking to work. I like to encourage young guys to dress up in a way that’s more mature but still cool enough for them to identify with. I can’t just wear a shirt and put a tie on it because that’s not inspiring, so I’ll wear my tie directly against my neck, inside the shirt. I make them myself and I wear one almost every day. My personal style signifier is an ascot . Tutorial: How to Encrypt Messages with PGP Once the recipient has received the encrypted file, they can decrypt it using their private key. The session key is then encrypted using the sender’s public key. Once the file is compressed, PGP will efficiently encrypt the plaintext with private key cryptography, turning the message into ciphertext. The public key encrypts the message or file, while the private key decrypts.įor sending files, more specifically, the sender will need to have access to the recipient’s public key first before they can send their files. In this system, each user has a PGP encryption key that is publicly known and can be provided to the recipient, as well as a private key that is known only to each user and should be kept secret. Related Reading: How to Use PGP Encryption PGP encryption is done via software applications. The recipient then uses PGP to decrypt the message back into readable form. The outlet of communication (email, file, etc.) travels to the destination of recipient in this cyphered form. PGP encryption provides the essential privacy missing from online communication by transforming plain, readable text into a complex code of characters that are unreadable. It is considered one of the safest cryptographic technologies for signing, encrypting, and decrypting sensitive data. Over the years, PGP has been improved and updated, making it the standard option for file encryption today and a fitting solution for modern cybersecurity needs. PGP was created in the 1990s and is currently owned by security software company Symantec. It is used by banks, financial institutions, healthcare organizations, and other highly regulated industries to safeguard their most sensitive files with a heightened level of data loss protection. PGP, or Pretty Good Privacy, is one of the most popular encryption and decryption methods used today. More Terms to Know – GoAnywhere Glossary What is PGP? Open PGP differs from PGP because Open PGP is a standard that defines formats for encryption keys and messages, while PGP itself is a trademarked term and proprietary solution owned by Symantec. Open PGP file encryption techniques enables you to store sensitive information or transmit information across non-secure networks, such as the internet or email, so that it cannot be read by anyone except the intended recipient.Īlthough essentially the same thing, Open PGP and PGP differ. It is Internet Engineering Task Force (IETF) approved. The term "Open PGP" is often applied to tools, features, or solutions that support open source PGP Encryption technology. It is an open source standard that allows PGP to be used in software that is typically free to the public. 30)-has health-nut staples like kale chips and quinoa. 30)-mere steps from his first place, Timo (17624 Collins Ave. And chef Tim Andriola’s Basil Park (17608 Collins Ave. 30), his new Upper East Side Spanish tapas spot, Taperia Raca 7010 Biscayne Blvd. Two years after chef Giorgio Rapicavoli won over locals with his Coral Gables restaurant Eating House 804 Ponce de Leon Blvd. 30) think maple-syrup-braised boar cheeks. A warehouse in Wynwood is home to the haute cuisine at Shikany (251 NW 25th St. 30) is a New Orleans–meets–Old Florida–style oyster and caviar bar in Edgewater. Housed in a refurbished gas station from the 1930s, Mignonette (210 NE 18th St. 30), where his menu boasts almost no processed ingredients, gluten or saturated fats (try the turkey burger, pictured above). And the gluten-averse are raving about chef Kris Wessel’s Oolite Restaurant & Bar (1661 Pennsylvania Ave. 30) outpost serves signature dishes like stuffed veal chops. There is an additional connection to Succotash culinary director. Also in South Beach: Chef Fabio Viviani’s Siena Tavern Miami (404 Washington Ave.) is creating a sensation with its coccoli, crispy dough puffs stuffed with cheese and prosciutto and topped with truffle honey, while an Il Mulino (840 First St. She hails from Miami, where she worked at Oolite Restaurant & Bar and Tongue & Cheek. 30) do-it-yourself take on Korean barbecue elevates the experience to a memorable night out. Everything I Now Want After Attending the Mastersįrom cars to clothes to bourbon, covetable things abound at the most prestigious.ĭon’t be fooled by its location in a run-down strip mall in South Beach: Drunken Dragon’s (1424 Alton Rd. Speaking of outfits, I’m happy that these Red Wing wedge boots are available in different colors. Meanwhile, the gorgeous waxy leather uppers jazz up my casual outfit instantly. Made with Goodyear Welt Construction, these boots will stand the test of time no matter how frequently I wear them. Designed for men, this one defines the brand’s iconic style. Of course, let’s not forget these classic moc toe boots from the Red Wing Heritage Collection. Red Wing Heritage Men’s Classic 6″ Moc Toe Boot Made of beautiful yet tough leather, I can wear them with any outfit and always look my best! 2. The Iron Ranger, to me, is one of Red Wing’s masterpieces. Meanwhile, the hardware like nickel eyelets and brass hooks add a nice detail to the overall look but they also allow me to adjust the laces quickly. But if it gets scuffed, I could easily buff it out with a soft cloth. Another key feature of the Iron Range is its oil-tanned leather upper, which is not only the most durable kind but also exudes timeless beauty. Since it’s made using the Puritan triple-stitching and Goodyear Welt Construction, I could get my Red Wing boot resole if it wears down years later. Meanwhile, the steel shank reinforces the structure of the footwear. Unlike other boots, the Iron Ranger sports a Vibram outsole to prevent slippage. What’s more, these Red Wing boots’ leather insoles and cork midsoles conform to my feet, resulting in a comfier fit over time. Plus, it makes these Red Wing lace-up boots suitable for all foot shapes. But this also happens to give my toes ample wiggle room. These boots featured a rounded double-layer toe cap (a.k.a bump toe), which was used to protect the miners’ feet before steel toes were invented. Red Wing Heritage Men’s Iron Ranger 6″ Bootįun fact: The Iron Ranger was originally created for the iron miners in the 1930s, hence the name. Red Wing Heritage 6-inch Classic Moc Women’s Boot Red Wing Heritage Men’s 6″ Iron Ranger Lug Boot Red Wing Heritage Men’s Blacksmith Vibram Boot Red Wing Heritage Men’s Iron Ranger 6″ Boot By the later chapters, however, Christensen is dramatising a disturbing narrative in miniature, following Maria (Emmy Schønfeld) who is tortured into confessing a range of occult activities, including bearing the children of Satan, before being burnt at the stake. The film's opening chapter is a relatively straightforward lecture with historic slides and information, while the second chapter has a playful series of vignettes depicting some basic practices of witchcraft. The film is in part a textural, creative reading of the Malleus Maleficarum, a German witch-hunters' guide from the 1400s by clergyman Heinrich Kramer that provided insight into how to deal with all manner of devilish concerns. No one describes the film better than the director himself who suggested at the time that "my film has no continuous story, no 'plot' – it could perhaps best be classified as a cultural history lecture in moving pictures". Part documentary essay, part horror mood board, Häxan is an episodic film, which across seven chapters explores a range of beliefs and themes throughout the Western history of occultism, in particular focussing on witchcraft during the Medieval period, and the historic persecution of women accused of practising it. – The blinding terror of 'daylight horror' – The sci-fi series that terrified a generation – How Deliverance set a controversial trend Whereas Murnau defined narrative horror through powerful German Expressionist visuals, the Danish director of this Svensk Filmindustri production innovated with horror's form, creating one of the strangest films of the period – whose eerie atmosphere, stark visuals and experimentation still stand up today. However, around the same time as Murnau's film, another seminal, but today less celebrated, horror was released: the Swedish-produced Häxan: Witchcraft Through the Ages by Danish director Benjamin Christensen. It was the year when FW Murnau made his unofficial Dracula adaptation Nosferatu, providing an early scare for audiences even as he fell afoul to copyright breaches. In the lineage of horror cinema, 1922 surely counts as one of its most important years. If you are struggling, we suggest you check out MQ Jr!įind someone streaming MQ, and sub to them on twitch or donate or however you want to do it. This mod was designed to be incredibly difficult. Keep in mind that unless a bug is found that completely prevents completion of the game, it will likely not be patched until v2.0 is ready. You can post a message in the #mq_chat channel on the Paper Mario Modding Discord. Different emulators may use slightly different names for options. In the GLideN64 ->Frame Buffer Settings tab, change the FB (Framebuffer) settings to the same as the picture below and click Save. Non-Bizhawk users should have setup GLideN64 first before this. Open up the graphics plugin settings for your emulator. Opening the pause menu causes a TON of lag! Your ROM is somehow corrupted! Most likely it was not in the correct format (.z64) when you patched it try N64 Tool to convert your. Project64: "Verify ROM and its settings" error Note that Glide64 is not GLideN64 - the latter is more accurate to the point of being required for decent Paper Mario emulation, although it doesn't support weaker machines. Then, reopen PJ64, go to options -> settings, click on Plugins in the left pane, and select GLideN64 for the Video Plugin option. Visit this link and add extract the zip to path/to/project64/Plugin/GFX. You need to manually setup the GLideN64 graphics plugin for your emulator. Project64: Graphical Issues / Screen Flicker Uncheck register caching and save your changes. Then, click on Recompiler by expanding the Paper Mario settings. Under Paper Mario, change 4 MB ram to 8 MB. If you would like to follow development, please visit the Paper Mario Modding Discord.Īfter loading the patched ROM, go to the N64 tab at the top and check "Use Expansion Slot".Īfter attempting to load the ROM, go to settings. There is no ETA on v2.0, but this will be updated when it comes out. v2.0 will be the final version of the mod when it comes out, but until then, you can consider 1.5.x.x a "finished" mod. A version 2.0 is in the works but is in development by a new team with a fair bit of input from Thamz. Get an emulator, if you have one already, then load the patched ROM file and play! Bizhawk is the recommended emulator for Master Quest.
Therefore, users can easily search the specific song to play at the appropriate time.
It’s made of high-quality wood that’s been covered in toy-grade paint. The Playtime Reconfigurable Maze is a supremely large maze that’s also interchangeable! Great option for hamsters that are children’s pets – your little ones will love creating different mazes for Hammie! Playtime Reconfigurable Maze The pieces are also compatible with other Puzzle Playground products, making this a lovely expandable toy! Made of durable plastic, the 42 individual puzzle pieces can be snap-locked together into just about any playground or maze that you can think of! Kaytee Puzzle Playground for Small Animals – This adorable little playground or maze will make the perfect addition to your current dwarf hamster cage! Here are a couple of dwarf-specific hamster mazes that are available on Amazon: Kaytee Puzzle Playground Furthermore, a Dwarf may be less destructive than a Syrian hamster on chewable mazes. They are also the perfect size for many maze-cage or maze-carrier hybrids. With their tiny size, you won’t have to worry about Dwarfs getting stuck in tubes. If you have a Dwarf hammie, then you’ll likely have plenty of maze options to choose from. We discuss large hamster cage requirements here. Should Hammie succeed in chewing through the connector when you’re not looking, he might very well escape!Īdditionally, large hamsters should not be put in maze-cage hybrids that are too small. Regardless of their size, if your hamster friend will chew on the plastic connectors between the tubes, then we advise against tube mazes altogether. Especially large members of this breed may become stuck in the tubing! What mazes are suitable for Syrian and Dwarf hamsters?Ī hamster in a maze is adorable, for sure, but a hamster that’s too large for a maze isn’t adorable.ĭifferent types of mazes are better suited for different types of hamsters.įor example, we do not recommend tube mazes for large hammies, like Syrians (also known as ‘Golden’ or ‘Teddy’ hamsters). Hamsters are curious little dudes who need activities and lots of exercise to keep them from becoming bored and getting into mischief.įurthermore, highly active hamster breeds, such as Dwarfs and Roborovskis, love to self-exercise, so providing them with enrichment activities, such as mazes, will kill two birds with one stone, so to speak. We’ll get into a few examples of hamster mazes in the following sections. The freestanding varieties are typically much larger than the mazes that can be placed in habitats. Similarly, chewable cardboard mazes can be placed in hamster habitats or carriers for additional enrichment.įurthermore, various plastic or wooden mazes (which may also be chewable) are available for use either inside or outside of the cage. If your hamster has play tubes in his habitat, then you may be familiar with using tubes to create a tunnel system or a maze. Hamster maze designs range from free-standing to those that are contained within a hamster cage or carrier. You’ll find some fun videos to watch too! Maze for hamster – what kinds of mazes are available? In this article, we’ll talk about the various types of hamster mazes, including wooden mazes, mazes that you can put in Hammie’s cage, tube mazes, and even mazes that you can make yourself! That’s right – mice aren’t the only animals that enjoy a good maze (especially the treat at the end)! You might have thought about adding play tubes and other contraptions for your hamster to navigate in his cage, but did you know that you can purchase a maze? Caitlin shows you how to make or choose the best maze for your syrian or dwarf hamster. You family will love watching your little pet finding his way around the hamster maze to win a treat. Welcome to our complete guide to finding the best hamster maze! AUTOCAD has a number of 3D meshing facilities. With a few parametric selections and the click of a command the mesh can be unfolded and seamlessly exported back to the CAD system, or saved to file.Ĭontact us to obtain the demo program 1 2 3. It is then simply a case of exporting the design to DXF from the CAD system and importing into MESH UNFOLDER. The rowing boat is a good example of this kind of application. When combined with skills in general CAD environments, such as Autocad, meshes can be create from lines, arcs and spline curves to form any shape (see the CAD system instructions). MESH UNFOLDER is a very powerful and versatile tool. the result with the most even tension distribution. Mesh Unfolder reverses the process to calculate the best result - i.e. The problem is that designs like these have tensions in the surface arising from the deformation in material when the product is formed. The mesh program tackles the difficult problem of converting a 3D formed surface into a 2D unfolded pattern. Badland: game of the year edition 1 0.įig: Shows the unfolded patterns of the rowing boat design above. It is designed for use with a CAD system such as Autocad that can be used to design the 3D meshes.įig: Showing an imported 3D mesh design created in a CAD System. The product is easy to use requiring only import-process-export design cycle. Since its release to boat construction companies it has been applied to many other designs - including Tents, Shoes, Aerofoils and generally to many difficult 3D sheet metal designs. Mesh Unfolder was originally created and used for boat design to unfold complex 3D panels. It provides tools to split the mesh into sections if required before unfolding, unfold it, and then export the result to CAD or CAM systems, or to print it full size on any size of printer with the pattern/s partitioned over as many sheets as required - for manufacture. flattens) the mesh (by minimising tensions). It extracts the 3D meshes (see later), unfolds (i.e. It imports DXF/STL/OBJ/WAV file data that was exported from a CAD system. Mesh Unfolder works with 3D mesh data generated in a general CAD design program such as Autocad. A mesh can be created in most CAD systems, such as Autocad, exported to a DXF/STL/OBJ/WAV file, then imported and unfolded in the Mesh Unfolder software.ĭownload the demo or buy the software from our Download Page. MESH UNFOLDER is very powerful CAD software that is able to unfold 3D CAD designs that are more general than the design set of Sheet Lightning v6, defined by 3D mesh surfaces or surface models. |