![]() Italian households facing issues to pay mortgages due to COVID-19 2020 Number of housing loans in the United Kingdom (UK) 2015-2017, by purpose Monthly interest rate for new mortgages Belgium rate fixation 1 to 5 years 2019-2022 Mortgage delinquency rates for VA loans in the U.S. Mortgage delinquency rate for subprime conventional loans in the U.S. Mortgage delinquency rate for prime conventional loans in the U.S. mortgage delinquency rates for FHA loans 2000-2021 These higher delinquency rates translate into higher foreclosure rates, which peaked at just under 15 percent of all subprime mortgages in 2011. Defaulting on such loans was one of the triggers for the 2007-2010 financial crisis, with subprime delinquency rates reaching almost 26 percent around this time. ‘Subprime’ loans, being targeted at high-risk borrowers and generally coupled with higher interest rates to compensate for the risk, have far higher delinquency rates than conventional loans. ![]() Many borrowers are eventually able to service their loan though, with foreclosure rates at below one percent since 2018. where payment is overdue by 30 days or more. ![]() The mortgage delinquency rate is the share of the total number of mortgaged home loans in the U.S. Following the drastic increase directly after the outbreak of the pandemic, delinquency rates started gradually declining and reached 3.5 percent in the first quarter of 2023. Under the effects of the coronavirus crisis, the mortgage delinquency rate in the United States spiked to 8.22 percent in the second quarter of 2020, just one percent down from its peak of 9.3 percent during the subprime mortgage crisis of 2007-2010. ![]()
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![]() ![]() Pat O’Connor will remain president of American Book Company, while Dean Winegardner, who founded the company in 1997, is leaving to work on other affiliated businesses. ABC and Book Depot are looking forward to leveraging our respective strengths for the benefit of our customers, publishers, employees, and all our stakeholders.” Save up to 80 off of the original publishers price everyday. “As we see continued consolidation in the publishing business, it is also becoming clearer that publishers require large partners that are able to provide turnkey inventory solutions for their remainders, overstocks and returns, and bringing together two of the industry’s key players gives us that ability.”ĭean Winegardner, CEO of American Book Company, added, “We are thrilled to be partnering with Book Depot who has shown their commitment to our industry with their enormous investment in technology and innovation over the last ten years. “This acquisition is part of our ongoing growth strategy to invest in the bargain book industry and we are delighted to partner with American Book Company.” said Wilf Wikkerink, CEO of Book Depot, in a statement. The company also owns and operates 36 locations of Book Warehouse, a bargain bookstore chain located primarily in outlet malls across the U.S. ![]() warehouse and maintains a stock of 25 million titles, primarily servicing dollar, grocery and discount retailers. From cookbooks to religion, children’s educational books to romance, science to history you will find it in our store. We offer a broad range of books for all tastes, interests, and ages. Book Warehouse is the national leader among discount booksellers. There was some were warehouse sale giant book store that came to our mall for the x-mas. New stores include women’s fashion boutique Francesca’s, a new Starbucks, China Town and Teriyaki Grill, Asics shoe store and eighty1 Fashions, which specializes in women’s shoes.American Book Company has a one million sq.-ft. Imagine getting 50-80 off all of your book prices every day. This is Blythe Book-Warehouse Book Outlet. Premium Outlets has had 10 total openings, re-openings and expansions since August 2017, not including Book Warehouse and Attitude. “The opening of these two stand-out retailers supports our pledge to provide our shoppers with the quality merchandise, enormous value and coveted local brands they have come to expect at Pleasant Prairie Premium Outlets,” said Cristin Newton, director of marketing and business development at Pleasant Prairie Premium Outlets. A nice little break from the other outlet stores in Lancaster Read more on Yelp. With our large selection of high-interest titles, we can help you stock your classroom, library, or reading programs with great books up to 90 off the list price Our unbeatable prices, paired with an easy-to-use website and knowledgeable sales team, make us an invaluable resource to help you provide excellent reading experiences for all ages. ![]() The 3,000-square-foot store will sell casual, activewear and formal men’s clothing. With over 20 years of experience, 66 Books are the UKs leading, largest book wholesaler specialising in clearance, remainders & reprints. Store Directory for Waterloo Premium Outlets® - A Shopping Center In Waterloo, NY - A Simon Property. The 3,300-square-foot store will offer books at up to 65 percent off the list price, magazines, technology and paper gifts.Īttitude will be located between the Famous Footwear outlet and Corningware, Corelle, & More. Information about location, shopping hours. Bookwarehouse is one of two new stores at Premium Outletsīook Warehouse will be located between OshKosh B’Gosh and The North Face. Book Warehouse outlet store is in Waterloo Premium Outlets located on 655 State Route 318, Waterloo, NY 13165. Book Warehouse (outlet store) is located in Lighthouse Place Premium Outlets shopping. Two new retailers, Book Warehouse and Attitude, will open this fall at Pleasant Prairie Premium Outlets. BOOK WAREHOUSE (outlet/factory store) located in Troutdale, Oregon on address: 450 NW 257th Way, Troutdale, OR 97060 (location Columbia Gorge) - phone, directions & gps, opening hours. 601 Wabash Street, Michigan City, IN 46360, Indiana. ![]() ![]() ![]() ![]() "Lactariologists" have developed a suite of characters that are used in milky cap identification-but many of these characters demonstrate considerable variability, so you will definitely need to collect several fresh mushrooms, representing different stages of development, to get very far in identifying most of these mushrooms. Over 200 species have been described from North America, and the reigning monograph (Hesler & Smith, 1979) is a bear to work with. Identification of milky caps ranges from very easy to very difficult. Many species (though certainly not all) have caps that feature concentric zones of color, and many have caps and/or stems that feature tiny potholes ("scrobiculi" in Mycologese). A few mushrooms in other genera exude a juice (for example, Mycena haematopus) but most of these lack the other features that help to define the milky caps: crumbly flesh, like the flesh of russulas (to which milky caps are closely related) and caps that are often about as wide as the mushroom is tall. In other species the milk can be scanty to almost nonexistent-especially in older specimens that have grown in dry weather. In some species the milk is copious, and it almost seems to pour out of the mushroom when you slice it or damage the gills. The milky caps, mushrooms in the genera Lactarius and Lactifluus, make up a large group of mycorrhizal mushrooms that exude a "latex," or milk, when injured. Lactarius (MushroomExpert.Com) Major Groups > Gilled Mushrooms > Pale-Spored> > Milky Caps ![]() ![]() ![]() When he wants to go out and not be recognized, he ties his hair back and pulls a hood over his head. "It was very weird but very fun," he said. He was in Hawaii filming a television show and took a break to go to a carnival. But he said it has not changed who he is.īleu says he realized he was famous right after the first "HSM" movie came out. "The fans are so amazing."īleu said his newfound fame has changed the pace of his life he is always very, very busy. "It has given us a lot of opportunities to work and travel," she said. What she likes, she said, is getting to do the kind of work she always wanted to do. Now, she said, she is recognized wherever she goes, but she doesn't mind when kids ask her for autographs. "They were chanting, 'Ashley, Ashley.' I thought Ashley Simpson was in the audience," Tisdale said. There was so much screaming that both had to be taken backstage. At the concert, she ran into Zac Efron, who plays Troy in "HSM," and they talked. Tisdale said she remembers realizing how famous she was when she went to a Cheetah Girls concert at a big theater in Los Angeles. ![]() But it was their parts in the original "High School Musical," which aired on the Disney Channel in 2006, that changed their lives. They both started in show business when they were 2 years old - as models at the same modeling agency. So we found two who are starring in the nation's hottest movie, "High School Musical 3: Senior Year."Ĭorbin Bleu, 19, who plays Chad, and Ashley Tisdale, 23, who plays Sharpay, were happy to tell us about the moment they realized they were famous and how it affected them.įor starters, Bleu and Tisdale said that it is easy for them to be well known because the kids who approach them in public for autographs are nice and respectful. We decided that the best folks to answer this question would be young people who are about as famous as it gets right now. Have you ever wondered how it would feel to be famous around the world? ![]() ![]() ![]() You can play the game at your desired level and win unique prizes. You’ll not get bored playing Plants vs Zombies 2 because the game has more than three hundred exciting levels. There’re some of the remarkable features of the Plants vs Zombies 2 game: More than 300 Exciting Levels
![]() ![]() ![]() Utilize tools like Email on Acid, Litmus, and Mailtrap to test your newsletters on different devices and platforms. Lastly, it's crucial to test your email newsletters on various devices to ensure that they're mobile-friendly and display correctly. By prioritizing readability, you're making it easier for your subscribers to consume your content and stay engaged. Moreover, make use of white space, margins, and interesting graphics to create a more engaging experience for your readers. Keep sentences short and concise, use bullet points to break up text, and ensure your headlines grab attention. When designing email newsletters for mobile devices, readability should be your top priority. In fact, check out our guide to over a 1000 free newsletter templates (all of which are mobile-responsive). There are plenty of mobile friendly newsletter templates to help you with this. ![]() To make the most of responsive templates, stick to a single column layout, use at least 13-14pt font for body text and no smaller than 20pt for titles, and adopt responsive email design principles. These templates adjust their size automatically depending on the device they're being viewed on, providing a consistent experience for all your subscribers.Ī responsive template looks good on mobile and desktop Responsive templates are an excellent solution for ensuring that your newsletters look fantastic on any device. Let's explore some tips and tricks to help you create stunning mobile-optimized email newsletters. A mobile-friendly design not only looks great, but also provides a seamless user experience across all devices. Designing Mobile-Optimized NewslettersĬonsidering that nearly 50% of emails are opened on mobile devices, it's essential to ensure that your newsletters are optimized for both desktop and mobile users. By continuously testing and refining your subject lines, you'll be able to increase engagement and ensure your email newsletters remain relevant and captivating. Once you've identified the winning subject line, go ahead and implement it in your email campaign. Send two emails with different subject lines to a small sample of your subscribers and analyze the results to determine which one is more effective. Test different approachesĪ/B testing is a fantastic way to experiment with different subject lines and find the ones that resonate best with your audience. Indeed, research shows that personalized subject lines increase open rates by around 3%, and click-through rates by about 0.5%. This, in turn, can lead to higher open rates, click-through rates, and conversions. By including the recipient's name, interests, transaction history, or location in the subject line, you're creating a more personalized and engaging experience for them. Personalization is a powerful tool in the world of email marketing. ![]() Pro-tip: try our free subject line tester tool, to see how your subject lines look on different mobile devices! Utilize personalization However, be careful not to over do it, as too many emojis can appear spammy. Using emojis in subject lines can increase open rates slightly ( typically by 1%). By keeping your subject lines short, to the point, and action-oriented, you're giving your readers a compelling reason to open your email and explore its content.Įxamples of direct action-orientated subject lines Make sure you focus on delivering the main message, while also piquing the reader's curiosity.Īvoid being too vague or using language that could be misconstrued. Aim for around 7 words and 41 characters. The key to crafting eye-catching subject lines is to be concise and descriptive at the same time. A captivating subject line can significantly boost open rates, making it something that’s incredibly important to get right.īut how can you ensure your subject lines are both engaging and effective? Let's dive into some strategies that will help you achieve just that. The subject line is the first thing your subscribers see when they receive your email, and it's crucial to make a strong impression. Monitoring and Analyzing Newsletter Performance Building and Maintaining a High-Quality Subscriber List Make Sure Your Emails are Properly Authenticated Utilizing A/B Testing for Continuous Improvement Enhancing Newsletter Design and Consistency Mailjet Pricing: Is it Cheap, But Is It Worth It?Ĭonstant Contact Review: Well Known, But Also Good?Ĭalculate the Price for Your Favorite Newsletter Servicesįind the Right Newsletter Service with Our Quiz MailChimp Review: Big but Also Beautiful? GetResponse Pricing: Features, Tiers and Discounts GetResponse Review: How Good is the All-In-One Tool? ActiveCampaign Review: The Automation Superhero?ĪctiveCampaign Pricing: Get the Best Deal ![]() ![]() The size of the bootable USB drive should be 256 Mb or bigger (it is recommended 2-32 Gb USB stick for better compatibility). System Requirements and Technical Detailsġ GB of RAM, 64-bit compatible CPU, CD-ROM (DVD) or USB drive, OS based on Windows NT. Searches for lost product keys and serial numbers.ĭecrypts the Internet and network passwords. Supports non-English versions of Windows and passwords in national encoding.Īllows undoing changes made to the system.ĭeletes passwords and other sensitive data from the computer. Large collection of IDE, SATA, SCSI, RAID drivers.ĭetects several operating systems installed on the computer. Microsoft accounts are fully supported as well.Ĭhanges account type (from Microsoft Live ID to local), different flags and properties.īackup user passwords, Windows registry, and Active DirectoryĪll editions include the utility for creating a bootable CD/DVD/USB disk from the downloadable ISO file with the application. Supports all versions of NT-based Windows, including Windows 10. Resets SYSKEY (with full user passwords re-encryption), as well as recovers SYSKEY plaintext passwordĪdvanced password lookup algorithms (Artificial Intelligence attack, password recovery using Passcape tables, instant password recovery for the most accounts with fingerprint logon, etc.)ĭumps password hashes from SAM/Active Directory, domain cached credentials. Resets and modifies passwords of local users and administrators, domain accounts, Active Directory users, DSRM account. Features of Passcape Reset Windows Password Unlike other utilities, Reset Windows Password is the only program that can CORRECTLY process all types of Windows accounts. On the other hand, the password lookup algorithms are unique and not used in any similar application. The program Passcape Reset Windows Password 9 Advanced Edition is designed specifically for an inexperienced user and is easy to operate. There is a quicker and more elegant way out of this situation. Password Reset Windows(268) Recovery Boot Password Reset USB - Windows Versions-7/XP/Vista/2000/98 and Windows 10 -Reset Lost Password Windows Password Reset. You could format the hard drive or reinstall your operating system, but that wouldn't keep you from partial loss of data, personal settings, and extra headache. Lost password or locked Windows account is the most frequent problem data recovery specialists have to deal with. Reboot your computer and you can log in without password! Once there, you can go to the Control Panel to turn on BitLocker encryption again.Free download Passcape Reset Windows Password 9.3.0.937 Advanced Edition full version standalone offline installer for Windows PC, Passcape Reset Windows Password Overview Now you've successfully reset forgotten Windows password on BitLocker encrypted drive.Choose your regular account and click on Reset Password button to remove the password. At this point, you can click the Browse button to select the SAM registry hive on your system drive. Look for " Percentage Encrypted" and wait for it to reach 0.0% (fully decrypted).Īfter turning off BitLocker, close the Command Prompt. You can repeatedly type the following command to check the decryption progress. ![]() Depending on the size of the drive, this could take a while. Next, execute the following command to decrypt your system drive. After pressing Enter, you have to enter your Bitlocker user password. If you can remember the password you set during BitLocker setup, type the following command. Tip: You can open the BitLocker recovery key file with Notepad and paste the key on the command line. ![]() Manage-bde -unlock C: -RecoveryPassword your_BitLocker_recovery_key Now you need to use your BitLocker recovery key to unlock the encrypted system drive (usually C:). In the screenshot above, BitLocker has encrypted the system volume C: and it is currently locked. Run the following command to check the BitLocker status for all drives connected to your computer: Click the Options button and then choose " Launch Command Prompt" from the popup menu. ![]() You'll come to the main interface of PCUnlocker. After booting from the CD/USB, you'll see the message " Please select your Windows SAM registry file" on the screen as the system drive stays encrypted and inaccessible. Next, insert the CD or USB into your BitLocker-protected computer. How to Reset Windows Password on BitLocker Encrypted Driveĭownload the ISO image of PCUnlocker Enterprise which adds BitLocker support, and then burn it to a CD or install it onto your USB flash drive using the third-party software ISO2Disc. The good news is that if you have your BitLocker recovery key, you can use PCUnlocker to decrypt your hard drive and then reset Windows password you've lost or forgotten. As a result, you're unable to access any system files even if you boot with a Live CD, not to mention resetting your forgotten Windows password. Lost admin password on a Windows PC that uses BitLocker drive encryption? When BitLocker is enabled on your hard drive, all your files will be encrypted. ![]() ![]() ![]() Reach the Black Bridge for the first time. 79.9 Shrewd sleuth Find your first secret zone. ![]() ![]() 81.4 What's that funky smell Reach the Toxic Sewers for the first time. The expansion adds a new optional side route through the final section of the game, with new enemies and a new boss to fight, new outfits and gear to unlock, as well as a new. It was released on the 6th of January 2022 to PC, Xbox One, PlayStation 4, and the Nintendo Switch, and on the 7th of April 2022 to iOS and Android. So get ready to blast off in a rocket fuelled Starfield performance preview. 83.8 A room with a view Reach the Ramparts for the first time. The Queen and the Sea DLC is the third paid expansion for Dead Cells. We also compare the improvements over the previous showing, enhancements within the engine, and much more. It takes around 25-30 hours to unlock all of the achievements in the base game on Xbox One. If I am wrong, then point it out with an explanation why. ![]() I highly recommend getting the DLC- it provides different paths to take. Yarott 2 months ago 3 Yes, like previous DLC, it adds its own set of trophies/achievements. The biggest question after the show(s) was: why is it 30fps on Xbox Series X and Series S and not 60fps? In this IGN Performance preview, we dive into the details shared by the team, the revealed PC minimum and recommended specifications, and how the Creation Engine 2 works, comparing the previous games to gauge some of the potential reasons why the team might have chosen 30fps. Full list of all 115 Dead Cells achievements worth 2,430 gamerscore. Download Dead Cells and enjoy it on your iPhone, iPad, and iPod touch. With years of successful updates and expansions behind it after taking over live ops of Dead Cells in 2019, the studio is tinkering with its time-tested methodology, experimenting with ideas for future updates and new ways for fans to enjoy one of their favorite roguelikes.With Starfield being the center of the Xbox 2023 Showcase last week, Bethesda gave us a deep dive into one of the biggest games this generation. Reach the Insufferable Crypt for the first time. Dead Cells: Return to Castlevania is out now for PlayStation 4, Xbox Series XS, Xbox One, Nintendo Switch, and PC, priced 9.99. You beat 'The Concierge' Beat the Hand of the King without taking a single hit. Dead Cells‘ well-received four paid downloadable content-including the groundbreaking recent downloadable content “Return to Castlevania,” which featured an unprecedented collaboration with Konami-have also continued to drive development on the title.įollowing the success of Dead Cells: Return to Castlevania, Evil Empire has been exploring the path forward for the title as a whole. The Derelict Distillery Title update for Dead Cells (EU) has 3 trophies - 3 bronze. On top of all that, 51 original Castlevania tunes can be played anywhere in the game, while 12 of the best-known tracks have been remade in the style of Dead Cells for the new DLC stages. The consecutive launch of the 1.0 version on PC and consoles in 2018, a whopping 34 free updates and later launches on mobile have all helped to drive long-tail success in all major global territories, pushing the game into rarely charted sales territory for an independent title.ĭead Cells‘ amazing list of free updates include chunky content additions that have provided new ways for fans to play the game, numerous weapon and item additions and enhancements, extra levels, a host of enemies and large crossover events featuring popular characters from other high profile indie games such as Hotline Miami, Shovel Knight and more. ![]() ![]() ![]() VA offers resources for making a quit plan and sticking to it. If you’re one of those Veterans, or if the Veteran in your life is trying to quit, you’ve come to the right place. Now seven out of every 10 Veterans who smoke would like to quit - for both the physical benefits and their mental health. Many Veterans used tobacco while they served, particularly during deployment. There is a long history of smoking and other tobacco use in the military. Posters: These posters can be displayed to promote tobacco cessation resources throughout the 10-year anniversary. Social Media Content: Use this content on Facebook, Instagram, Twitter and other platforms to encourage Veterans to access VA resources that can help them stop smoking, dipping or chewing tobacco.Įlectronic Billboards: This series of electronic billboards has been tailored for display on computers, TVs and other digital screens to promote tobacco cessation resources for the 10-year anniversary. VA Tobacco Cessation Resources Flyer (English and Spanish): This one-page handout for Veterans features information about tobacco use counseling and other VA resources to help Veterans get tobacco out of their lives.ĭownload English Handout Download Spanish Handout The Time Is Right To Spread the WordĬlick the links below to download materials you can use to promote the 10-year anniversary and tobacco use treatment through VA. VA’s tobacco cessation resources have helped thousands of Veterans quit smoking, dipping and chewing for good. To celebrate VA’s National Tobacco Use Treatment Program is reminding Veterans that “The Time Is Right” to stop using tobacco and start enjoying the health and personal benefits of quitting. Together, VA and NCI have established and maintained two highly successful and effective tobacco use treatment resources: the 1‑855‑QUIT‑VET telephone quitline and the SmokefreeVET text messaging program. VA is celebrating the 10-year anniversary of its partnership with the National Cancer Institute (NCI). VA Software Documentation Library (VDL).Clinical Trainees (Academic Affiliations). ![]() War Related Illness & Injury Study Center. ![]() ![]() ![]() I would highly recommend looking into downloading it if your a medical student, doctor, nurse, etc. While the app is on the pricy side, it is still a terrific value given all that you get for the price. It has a great design, great features, and great medical and educational value. There are also multiple layers of muscle you can add or subtract to give you a greater look at the different layers of muscle. With a couple taps you can see a variety of organ systems such as nervous and the veins. Another great part about Essential Anatomy is the ability to stack organ systems on top of each other. You can swipe your away around the body, and look at it from different angles. The intuitiveness of the app is another great thing. Essential Anatomy is one of the best designed apps I have ever seen, and it’s supported by it’s 5 Stars iTunes reviews. The graphics are extremely crisp and really stand out on a black background. I would highly recommend this app to any doctors, nurses, medical students, etc. It really seems like a great tool for doctors because this app can convey what you’re saying much better than you could through speech. I showed this app to a few other people, and they were amazed. With only a few taps, you can zoom into the area and show them. One practical application is if you want to show a patient what is wrong with them. It also highlights what you tap, so if you’re a doctor or nurse, the app has a lot of practical applications. Personally, I really like how you can tap on any part of the skeleton, and it will show you the latin name, sound it out for you, etc. These features make the app even more stunning. The app also contains over 2,500 anatomic structures, audio pronunciation, latin nomenclature, quiz function, search features, and social media tools. For one, the app is based on new 3D technology by an impressive graphics engine. The features of Essential Anatomy are really ingenious. If you’re into medical apps, this one might just be the best for you. It also provides a lot of opportunities to help teach others about human anatomy. The best part is that you can see it with a variety of organ systems too! The app is really intuitive and is a blast on the iPad. The app let’s you look at a skeleton and musculature in 3D. The application, developed by 3D4Medical, is an incredible medical app for the iPad. Proxy sites are the easiest methods to bypass the block and unblock The Pirate Bay, however there are also Alternate methods. See this article on TorrentFreak for more details. The Proxy Bay maintains an updated list of working TPB proxy sites. Obviously, we don’t condone the latter, and would advise readers to also spurn this stolen material.Essential Anatomy is an application available for the iPad. With a proxy site, you can unblock The Pirate Bay easily. But ripped files of the latest Hollywood blockbusters and chart-topping albums also frequently appear. Musicians, independent film makers, software developers, authors, podcasters and other creators have often used torrenting to legitimately distribute their work. The problem arises with the kind of content people share. The practical upshot of all this is that the burden of supplying files is spread out, usually meaning downloads are quicker or at least remain available should one of the servers go down. These sources are comprised of users who host the files on their PCs, as well as traditional online servers. The principle is that files are broken down into smaller parts and downloaded simultaneously from several sources. ![]() Essential Anatomy is an app every doctor, physiotherapist, OT, nurse and medical student should own. TUAW: 'Make no mistake about it: Essential Anatomy by 3D4Medical is the future of touch-based anatomy learning. It’s a method that was devised to make it easier for people to share large files online and has been around since very early in the life of the internet. Download our FREE 'Essential Skeleton' app in the free section to experience our groundbreaking 3D technology. The technology and practice of torrenting is completely above board. ![]() |
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