![]() Submit a formal application: Complete your chosen lender’s application process - either in person or online - and upload any required documents.You’ll need identifying documents, as well as documents verifying your employment, income, assets, and debts. Get pre-approved : Complete the pre-approval process to boost your chances of getting your dream home.Also, check if they offer any down payment assistance programs or closing cost credits. Choose a lender : Compare several lenders to see the types of loans they offer, their average mortgage rates, repayment terms, and fees.Here are the basic steps to apply for a mortgage, and what you can typically expect during the process: You may also be responsible for paying any closing costs when signing for the loan. With a conventional loan, you’ll need to put down 20% to avoid private mortgage insurance (PMI). A USDA loan, for example, has no minimum down payment requirement for eligible buyers. The exact amount depends on the loan type and lender. Prepare for upfront and closing costs: Depending on the loan type, you may need to make a down payment.Consider your options and pick the best one for your needs. Choose the loan type: Many types of mortgage loans exist, including conventional loans, VA loans, USDA loans, FHA loans, and jumbo loans.Lenders often view a primary residence as less risky, so they may have more lenient requirements than if you were to get a secondary or investment property. Know the property type: During the loan application process, you may need to specify whether the home you want to buy is your primary residence.For example, you’ll need a credit score of 580 or higher to qualify for an FHA loan with a 3.5% down payment. However, each loan type has a different credit score requirement. Check your credit score: To get the best mortgage rate possible, you’ll need to have good credit.The lower your DTI, the better your approval odds. Know your DTI: Your DTI is the percentage of your gross monthly income that goes toward your monthly debts - like installment loans, lines of credit, or rent.Common assets include money in your bank account or investment accounts. Review any assets: Lenders consider your assets when deciding whether to lend you money.You may also need to provide proof of at least two years’ worth of employment at your current company. This may include money from your regular job, alimony, military benefits, commissions, or Social Security payments. Have steady employment and income: You’ll need to provide proof of income when applying for a home loan.Requirements vary by lender, but here are the typical steps to qualify for a mortgage: Just remember, certain fees like homeowners insurance or taxes might not be included in the calculations. ![]() Use a calculator to determine your monthly payment amount and the total cost of the loan. One other way to compare mortgage rates is with a mortgage calculator. Choose between an adjustable- and fixed-rate mortgage: The interest rate type can affect how much you pay over time, so consider your options carefully.During this time, you can continue shopping around for a home without worrying about the rate changing. Consider a mortgage rate lock: A mortgage rate lock lets you lock in the current mortgage rate for a certain amount of time - often between 30 and 90 days.You’ll need to complete an application and undergo a hard credit check. Get pre-approved for a mortgage: Pre-approval doesn’t guarantee you’ll get a loan, but it can give you a better idea of what you qualify for and at what interest rate.Review and compare loan estimates from several lenders. Get several loan estimates: A loan estimate comes with a more personalized rate and fees based on factors like income, employment, and the property’s location.Even if the rate is only lower by a few basis points, it could still save you thousands of dollars over the life of the loan. Shop around for lenders: Compare several lenders to find the best rates and lowest fees.Here are some of the best ways to compare mortgage rates and ensure you get the best one: ![]() That’s why it’s important to compare lenders and loan offers. Some lenders have higher average mortgage rates than others, regardless of your credit or financial situation. Along with certain economic and personal factors, the lender you choose can also affect your mortgage rate. ![]()
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![]() ![]() Then copy and paste the code in the activation window of Stellar Data Recovery software. ![]() This recovery program has two scanning modes: normal and advanced. It works with any type of file in your operating system, memory cards, USB, digital cameras, and any brand of portable device. Download serial key of Stellar Phoenix Windows Data Recovery - Professional from below link: Link for Downloading the file serial key of Stellar Phoenix Windows Data Recovery - Professional : /id3453 (copy and paste to address bar of your browser) Alternative link : /id14523 (copy and paste to address bar of your. Alternatively, you may copy the code from email to notepad and then remove empty space from the beginning and end of the code. Stellar Phoenix Windows Data Recovery is a good tool to help you prevent the loss of any file that you've deleted by accident. Sometimes, while copying, you may copy the blank space(s), which can cause software activation failure.Įntering code manually overcomes this issue. If copy and pasting the activation code isn’t working, try to enter it manually. 'Stellar Phoenix Windows Data Recovery Activated Successfully ' message is displayed after the process is completed successfully. Re-Enter the Correct Serial Number Without Blank Spaces In the Online Activation window, type the Registration Key and click the Register button (Please ensure that you have an active Internet connection). Then re-install the desired Stellar Data Recovery software and activate it.ģ. Uninstall any version of Stellar Data Recovery software you may have installed earlier. Uninstall All Other Versions of Stellar Data Recovery Uninstall any version of Stellar Data Recovery software you may have installed earlier. The current activation key will not work on old software versions and, we recommend using authentic Stellar data recovery products and avoiding Stellar data. Uninstall All Other Versions of Stellar Data Recovery. Use the download link given in the email or visit the desired Stellar Data Recovery product page to free download the software and then activate it using the code provided on your email.Ģ. Use the download link given in the email or visit the desired Stellar Data Recovery product page to free download the software and then activate it using the code provided on your email. ![]() without knowing that some software culprits have created data recovery programs that contain. Make sure you have downloaded the correct installer. Most users search for Easeus data recovery serial key, Stellar Phoenix photo recovery key, A softech data recovery serial, Seagate File Recovery serial, iCare data recovery key, Minitool power serial key generator, Wise data recovery pro key, etc. Check Installer and Re-enter Serial Number Copy the activation code from the email and paste it into the Notepad. However, as with many applications of this style, it's not 100% effective, which is why we always recommend that you make backups of all of your important files in order to prevent losing them accidentally.Follow and verify the following steps to fix the ‘activation key not working for Stellar Data Recovery’ issue.ġ. Stellar Data Recovery Activation Key 8XXXX6-5V1CE3-XX1X-3X1XX-2XX6X 9X98X-7X1X5-4X3XX2-XX4X2X-XX4X 7X87-61X4X3-X253X4-XX1X5X-X64X7 7X1X1-7XX6X-X5XX4X-X3X2X-X3X4X In case of activation error, as shown in the following screenshot, open the ‘Notepad’ app. If you want to recover lost files in your computer or in your mobile device, and prevent the accidental deletion of any file, Stellar Phoenix Windows Data Recovery is a great tool to help find any type of file in any of your devices. You can order them in a classic style view, organized by file type or by specific filters that you want or need. The interface of Stellar Phoenix Windows Data Recovery makes its use easy thanks to the simplicity and personalization of the file views. These updates enhance the effectiveness of the software and add advanced features to make it suitable for each evolving technological innovation. Using Stellar Phoenix Windows Data Recovery crack will deprive you of the amazing updates provided by Stellar from time to time. On the other hand, the advanced option helps you to locate the files that are more difficult to track, although this option usually takes much longer, as it depends on the number of files it has to work with. Stellar Data Recovery updates won’t be available. This is useful when you want to rescue photos, videos, or text documents and you don't have much time. The first one completes a simple search of basic elements that it will try to recover. It works with any type of file in your operating system, memory cards, USB, digital cameras, and any brand of portable device. Stellar Phoenix Windows Data Recovery is a good tool to help you prevent the loss of any file that you've deleted by accident. ![]() ![]() This calls into question whether there is a post-trauma point at which to assess posttraumatic stress in patients with cancer.Ĭhanges to the PTSD diagnostic criteria in DSM-5 raise additional questions. Even when time-limited treatments (eg, surgery, radiation, a course of chemotherapy) have been completed, maintenance chemotherapy, hormone blockade, medical surveillance and follow-up, and the realistic risk of disease recurrence make for a chronic stressor. Once diagnosed with cancer, one is never truly free of the threat. What constitutes cessation of the traumatic stressor is unclear in cancer. In contrast to traumas that involve threats that are sudden, external, discrete, and immediate, cancer involves threats that are slowly unfolding (eg, detection, diagnosis, treatment, adverse effects), internal (ie, cancer cells), ever-present (ie, one’s body, potential disease recurrence), and future- oriented (eg, disease progression and death). These risk factors parallel known risk factors for PTSD following other traumas and suggest assessment targets in oncology ( Table).Ĭonceptual, diagnostic, and assessment issuesĭifferences between cancer and stressors traditionally viewed as traumatic per DSM (eg, war/combat, physical/sexual violence, motor vehicle accident, terrorism) have been recognized. 1,4 Younger age, lower socioeconomic status, past trauma, preexisting mental health conditions, more advanced disease, more intensive treatment, peritraumatic dissociation and distress, more recent treatment completion, and poor/negative social support have been linked to greater cancer-related PTSD. Several factors appear to confer vulnerability to developing PTSD symptoms following cancer. 7,8 This is consistent with what is often seen clinically: post-cancer trauma symptoms may coexist with finding meaning, strengthened relationships, enhanced spirituality, bolstered sense of personal strength, and clearer life priorities. Interestingly, a meta-analysis revealed a weak positive relationship between PTSD symptoms and posttraumatic growth in cancer patients. 6 Thus, although a small minority of patients with cancer may have diagnosable PTSD, subthreshold symptoms may be impairing and warrant clinical attention. Depression, anxiety, global distress, and quality-of-life decrements have been positively associated with post-cancer trauma symptoms. Other markers of distress have been linked with cancer-related PTSD. 5 The more stringent diagnostic criteria of DSM-5 have not been thoroughly evaluated in patients with cancer and may yield even lower rates. Another 10% to 20% of patients may experience subsyndromal PTSD symptomology. The clinical interview based prevalence was 6.4% for current PTSD and 12.6% for lifetime PTSD. 2,4 A meta-analysis by Abbey and colleagues 4 found that self-report based prevalence rates ranged from 7.3% to 11.2%, depending on method for determining clinical significance. ![]() 3 Prevalence varies according to mode of assessment, with self-report measures (eg, PTSD Checklist) yielding higher rates than structured clinical interviews (eg, SCID, CAPS). Individuals who have received a diagnosis of cancer appear to be more likely to experience PTSD than controls without a history of cancer. Across studies, more than 50% of patients with cancer meet the DSM-IV-TR stressor criteria (ie, they perceive cancer to involve a threat to their life or physical integrity), and they experience fear, helplessness, or horror. Prevalence estimates based on DSM-IV-TR criteria suggest that although self-reported symptoms are common, only a minority of patients with cancer meet formal diagnostic criteria for cancer-related PTSD. 1 However, changes to the DSM-5 PTSD criteria and more enduring conceptual issues call into question the applicability of PTSD to the cancer experience. DSM-IV-TR considered life-threatening illness as a potential traumatic stressor, inspiring a sizable literature documenting the prevalence and correlates of cancer- related PTSD. Although receiving a diagnosis of cancer is often colloquially referred to as traumatic, the validity and utility of the posttraumatic stress disorder (PTSD) construct in the context of malignant disease has been debated. ![]() ![]() This free printable daily planner and schedule template is designed to help you quickly and. ![]() There Are Also Free Printable Hourly Planners and Hourly Schedules Template in Excel and Microsoft Word That Assists in Ensuring a Productive Work or School Day. FREE PRINTABLE DAILY PLANNER TEMPLATE WITH HOURLY SCHEDULE. ![]() You can also choose a certain theme or idea and then implement it in a Schedule Template to make it more according to your standard and requirements.The best part is that you can merge templates to create a better one (work schedule template,employee schedule template,blank weekly schedule template). Whether You Are Aiming for Precise Minute Intervals or Minute Increments to Monitor Your Daily Task, Aids in Giving Detailed Daily Schedule Templates. Weekly schedule templates in PDF format - 18 layouts, free to download & print. ![]() ![]() ![]() Due to its adaptability, the game can be enjoyed by both inexperienced and seasoned players at the appropriate level of challenge. The four-suit mode offers the most difficulty and complexity, whereas the one-suit variation is the simplest. Choose from one-suit, two-suit, or four-suit games in Spider Solitaire to play at various levels of difficulty. It also gives players of all skill levels easy-to-use options for undoing actions, hint suggestions, and more. You can easily drag and drop cards to the desired locations using the touchscreen. The user-friendly controls and interface of this app are one of its most notable qualities. There are eight suit stacks total because the game uses two decks of cards. Your goal is to arrange a deck of cards in the same suit, from King to Ace, in descending order. The game is played according to its established rules. Whether you’ve played the game before or you’re a new player, this app offers a fun and challenging experience with different levels of difficulty. A game that puts Spider Solitaire, a timeless card game, at your fingertips. There are many more interesting online games that you can explore here. Spider Solitaire is a card game developed by inlogic and now.gg allows playing game online in your browser. Explore a variety of online games and apps from different genres, all in one place. With now.gg, you can run apps or start playing games online in your browser. Spider Solitaire is a card game developed by Arcade Game Maker. ![]() ![]() ![]() Organize your collections with color labelsĬolor labels can be added for collections, collections sets, and smart collections.Īdds support for new cameras and lens profiles.įind information about PNG export, batch merge for HDR and panoramas, and other new enhancements in this release. Use the GPU of your system to enhance image-editing experience. 19.0.0.165 Language: Multilingual Platform: x86 / 圆4 Developer: The author of the assembly / repack: KpoJIuK Medicine: All cured System requirements Microsoft Windows 7 with Service Pack 1, Windows 8.1, or Windows 10 Processor Intel Pentium 4 or AMD Athlon 64 (2 GHz or faster) 2 GB of RAM (8 GB recommended) 2 GB of free hard disk space for. ![]()
![]() ![]() The console with the leading controller with features no other console or competitor has? The same console that plays high quality games like Horizon Forbidden West and Ghost of Tsushima and future games like Wolverine and Spider-Man 2. You mean the same console that would have sold 30 million or so by the time the headset releases? Where they are not starting from zero. There’s no word yet however on whether PSVR 2 will support stereoscopic video content like 3D Blu-ray movies. That’s a nice little bonus because it means anyone buying a PSVR 2 is also getting an HDR display as well. This includes regular PS5 games and movies, including support for HDR content at 24, 60, or 120Hz. Sony also confirmed that PSVR 2 will retain the ‘Cinematic Mode’ of the first headset which allows players to play any non-VR PS5 content on a big screen inside of the headset. It’s not mixed reality, but it appears that players will be cut out from their background automatically, giving more context for those watching.īeyond being able to put a view of yourself in the corner of your PSVR 2 gameplay, we’re also expecting the headset to finally be able to deliver significantly better streaming and capture quality than the original PSVR, though Sony hasn’t given detail on that just yet. It’s always been possible to stream and capture VR gameplay with the original PSVR, but with PSVR 2 players with the PS5 HD Camera will be able to include a picture-in-picture view of themselves at the bottom right corner of the screen while they play. Stream Yourself While Playing Image courtesy PlayStation Sony says PSVR 2 will be capable of automatically scanning the player’s space to automatically create a boundary, and players will be able to further customize the area with their controllers. Now with PSVR 2 players will be able to define a custom playspace boundary, and they’ll be able to do so conveniently from within the headset using the passthrough view. The original PSVR didn’t visualize any kind of custom boundary for the player.įor seated games this isn’t too big of a deal, but for more active games it is-so much so that some PSVR developers had to add their own boundary visualization system for their specific game. System-wide Playspace Boundary Image courtesy PlayStationĮvery other VR headset in the same class has long offered a ‘playspace boundary’ which shows players a virtual border outlining their safe area so they don’t bump into furniture or smack their TV. PSVR 2 will go one step further to add one of Quest’s best features: passthrough playspace setup. ![]() While many other headsets now offer a passthrough view, most don’t actually do anything other than allowing you to look outside of your headset. This seemingly simple feature adds a lot of convenience for doing things like finding your controllers or phone, quickly chatting with someone in the room, or checking on the location of a pet, all without taking off your headset. One of the biggest differences between most first-gen VR headsets and modern headsets is a passthrough view function which uses the headset’s cameras to let the user ‘look through’ the headset to the outside world. Passthrough View Image courtesy PlayStation Not only is the headset a big step up in specs, but today Sony shared new features coming to the headset that will finally bring it up to par with the latest headsets. Luckily the forthcoming PSVR 2 is ready to match the latest and greatest headsets with modern features like passthrough view and a system-wide playspace boundary.įor those who have been waiting six years to upgrade from their original PSVR, the forthcoming PlayStation VR 2 is going to be a huge breath of fresh air. Even though the original PSVR headset is still getting some new game releases, it’s decidedly a last-gen headset… or maybe even a last-last-gen headset depending upon how you look at it. ![]() ![]() ![]() While the FLSA does set basic minimum wage and overtime pay standards and regulates the employment of minors, there are a number of employment practices which the FLSA does not regulate. Some apply to specific types of businesses others apply to specific kinds of work. The FLSA contains some exemptions from these basic standards. Deductions made from wages for such items as cash or merchandise shortages, employer-required uniforms, and tools of the trade, are not legal to the extent that they reduce the wages of employees below the minimum rate required by the FLSA or reduce the amount of overtime pay due under the FLSA. ![]() Wages required by the FLSA are due on the regular payday for the pay period covered. Nonexempt workers must be paid overtime pay at a rate of not less than one and one-half times their regular rates of pay after 40 hours of work in a workweek. Special provisions apply to workers in American Samoa and the Commonwealth of the Northern Mariana Islands. Basic Wage StandardsĬovered, nonexempt workers are entitled to a minimum wage of $7.25 per hour effective July 24, 2009. Special rules apply to State and local government employment involving fire protection and law enforcement activities, volunteer services, and compensatory time off instead of cash overtime pay. Congress for covered employees of the Legislative Branch. Office of Personnel Management for employees of other Executive Branch agencies, and by the U.S. Postal Service, Postal Rate Commission, and the Tennessee Valley Authority. Department of Labor (DOL) administers and enforces the FLSA with respect to private employment, State and local government employment, and Federal employees of the Library of Congress, U.S. The Wage and Hour Division (WHD) of the U.S. The Fair Labor Standards Act (FLSA) establishes minimum wage, overtime pay, recordkeeping, and child labor standards affecting full-time and part-time workers in the private sector and in Federal, State, and local governments. (For best printout, see the PDF version ( Spanish).) New: Interactive Handy Reference Guide to the Fair Labor Standards Act (PDF) ![]() ![]() ![]() Unfortunately, this becomes too cumbersome over time, so you should rather use the Night Vision texture pack. The easiest way to fix dark ores is to craft a night vision potion because then you’ll always have the maximum brightness in Minecraft. There are some tips for you so that the ores are no longer dark, and you can see them better. It’s too early to say whether the project will be successful in the long run, because the competition is incredibly popular on Curseforge and has millions of downloads.
![]() EveryDollar is a straightforward, easy-to-use budgeting app that allows users to create a customizable budget and set savings goals. Good for those who are creating a budget for the first time. Cost: $12.99 monthly or $79.99 annually Average app rating: 4.0 Account syncing capabilities: Yes Our verdict EveryDollarĪbout: EveryDollar is a budgeting app founded by Ramsey Solutions that helps users create a fully customizable budget and set financial goals, with additional perks for premium users. PocketGuard also offers a desktop version for users who prefer to budget on their computers, as well as Touch ID for extra security. What’s more-with PocketGuard’s personalized debt payoff plan, users can add all of their debt balances and interest rates to the app, and the platform will determine the most effective debt payoff strategy for you and create a repayment schedule. With PocketGuard, users can set bill reminders, set fee alerts, create savings goals, and more. PocketGuard scored a spot on our list for its debt payoff tools. Good for users who are working on paying off debt. Cost: $0 for free version or $7.99 monthly, $34.99 annually, or $79.99 lifetime fee Average app rating: 4.2 Account syncing capabilities: Yes Our verdict PocketGuardĪbout: PocketGuard is a budgeting app that offers bill organizing and budget planning services to over 500,000 users. And if your mortgage is serviced by Rocket Mortgage, you get full access to Rocket Money Premium for free. The good news: Using the negotiation service to cut down on your monthly spending could help you cover the cost of a premium membership. Rocket Money is free to use, although there are optional services, like bill negotiation, that you can opt in to for an extra cost ranging from $3 to $12 monthly. The app also offers bank-level security with 256-bit encryption to keep your personal data safe. Rocket Money allows users to create a budget that automatically monitors spending, separates transactions into spending categories, sends notifications about upcoming charges or a low balance, and more. ![]() Good for those who are looking to cut down on their monthly costs. ![]() ![]() Cost: $0 or $3–$12 per month for premium version Average app rating: 4.4 Account syncing capabilities: Yes Our verdict Rocket MoneyĪbout: Formerly known as Truebill, Rocket Money is a budgeting app that serves more than 3.4 million members worldwide and offers budgeting tools, bill negotiation services, and more. Zeta has an average mobile app rating of 4.4 and also offers two-factor authentication and data encryption to keep your data extra safe. The app offers both personal and joint accounts that allow you to pay bills, save for goals, and track shared expenses, and even offers in-app messaging to communicate with your partner or other members of your family about your budget. Zeta offers a number of features that make it an ideal app for budgeting with others in your household. Good for couples and families who want to merge their finances. Annual cost: $0 Average app rating: 4.4 Account syncing capabilities: Yes Our verdict ZetaĪbout: Zeta is a budgeting app that caters specifically to couples and families hoping to track their expenses together. (Note: Fees and account features in this list are up to date as of April 19, 2023, but are subject to change.) 1. ![]() |
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