1/22/2024 0 Comments Rocket mortgage stock predictionsThe homebuying process could become cheaper and more streamlined It also predicted that urban areas will start to see a surge in renters as the price gap between previously more affordable suburban and urban rental costs continues to narrow. Zillow went so far as to predict that the new "starter home" will be the single-family rental, rather than a purchased house, since buyers will want to enjoy amenities like private backyards that many of the cheapest homes for sale don't offer. Redfin pointed to a June survey, which showed that one in five millennials expect to never own a home, as evidence of this change in attitude. Renting will become more popularīecause mortgage rates will stay fairly high and prices will be slow to fall, both companies say more potential buyers will embrace renting. Separately, recently predicted that mortgage rates in 2024 will average 6.8% for the year and reach 6.5% by year's end. Zillow said only that the rates will have some definite "staying power." So, while prices might depress, buyers will still be saddled with home loans that are far less favorable than the 2% to 3% loans of two years ago. Redfin predicted that rates will only drop to about 6% at best, down from their current rate of over 7%. That means that mortgages are likely to stay put, for the most part. These rates are affected greatly by the Fed's interest rate policy, and many experts are predicting that interest rates won't decrease until late 2024. The bad news for both buyers and sellers is that mortgage rates aren't expected to drop much in the near future. Mortgage rates will fall, but not by much Even if the drops are small, they're obviously better than price increases. Zillow called for a decrease of just 0.2% in the next year, while Redfin expects a decrease of about 1%. At the same time, the increase in supply will stoke more competition between sellers and help to send home prices back down, to the benefit of buyers.Īll said, though, price drops will likely be marginal. Potential home sellers will "grow weary of waiting for the historically low rates of 2021 to return," Zillow predicted, leading to more listings. Redfin and Zillow expect both price and inventory trends will reverse in 2024. Meanwhile, homes for sale remained few and far between thanks to a record low inventory caused by high mortgage rates "trapping" owners in their current mortgages. Throughout 2023, prices rose to new record highs seemingly every month. The best news for homebuyers is that prices are expected to start inching back downward. Here are some of the biggest housing market predictions from Redfin and Zillow: Listings and home prices will reverse from current trends “ S&P 500 PE Ratio - 90 Year Historical Chart.6.38% - 7.55% Housing market predictions for 2024 “ Investment Performance of Common Stocks in Relation to Their Price/Earning Ratios: A Test of the Efficient Market Hypothesis." The Journal of Finance, vol. “ The Collected Scientific Papers of Paul A. " Mean Reversion Across National Stock Markets and Parametric Contrarian Investment Strategies." The Journal of Finance, vol. “ Does the Stock Market Overreact?” The Journal of Finance, vol. 65-91.ĭe Bondt, Werner F.M., and Richard Thaler. “ Returns to Buying Winners and Selling Losers: Implications for Stock Market Efficiency.” The Journal of Finance, vol. Jegadeesh, Narasimham, and Sheridan Titman.
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1/22/2024 0 Comments Imvu people groupsYou may have discovered that AppNee has hardly been updated in recent months, and the missing download links in many posts cannot be repaired. This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License. Otherwise, please bear all the consequences by yourself. Otherwise, you may receive a variety of copyright complaints and have to deal with them by yourself.īefore using (especially downloading) any resources shared by AppNee, please first go to read our F.A.Q. page more or less. To repost or reproduce, you must add an explicit footnote along with the URL to this article!Īny manual or automated whole-website collecting/crawling behaviors are strictly prohibited.Īny resources shared on AppNee are limited to personal study and research only, any form of commercial behaviors are strictly prohibited. This article along with all titles and tags are the original content of AppNee.
1/21/2024 0 Comments Check over stripesMerchants can accept all major credit cards, Venmo, pay-later options and cryptocurrencies Stripe is better suited for companies that want flexibility and the ability to customize practically every process of the online payment experience. It offers an easy setup and does not require advanced technical knowledge. The main difference between PayPal and Stripe is that PayPal is better suited for small businesses that are just getting started. Neither company requires a contract and you can cancel anytime. It’s easy to set up an account and start accepting payments with both. PayPal and Stripe both offer similar services for merchants. While both companies specialize in online payment processing (over in-person transactions), PayPal is better suited for small or new businesses that are just getting started while Stripe is a better fit for larger companies, as it provides more options for payment customization. Both companies have similarities, but each platform is better suited for different business needs. The DB facade provides methods for each type of query: select, update, insert, delete, and statement.PayPal and Stripe are two of the most popular and well-known payment processing platforms. Once you have configured your database connection, you may run queries using the DB facade. It is up to you to decide if this is the desired behavior for your application. This ensures that any data written during the request cycle can be immediately read back from the database during that same request. If the sticky option is enabled and a "write" operation has been performed against the database during the current request cycle, any further "read" operations will use the "write" connection. The sticky option is an optional value that can be used to allow the immediate reading of records that have been written to the database during the current request cycle. When multiple values exist in the host configuration array, a database host will be randomly chosen for each request. The database credentials, prefix, character set, and all other options in the main mysql array will be shared across both connections. So, in this case, 192.168.1.1 will be used as the host for the "read" connection, while 192.168.1.3 will be used for the "write" connection. You only need to place items in the read and write arrays if you wish to override the values from the main mysql array. The rest of the database options for the read and write connections will be merged from the main mysql configuration array. The read and write keys have array values containing a single key: host. Note that three keys have been added to the configuration array: read, write and sticky. After the database has been created, you may easily configure your environment variables to point to this database by placing the absolute path to the database in the DB_DATABASE environment variable: You can create a new SQLite database using the touch command in your terminal: touch database/database.sqlite. SQLite databases are contained within a single file on your filesystem. However, you are free to modify your database configuration as needed for your local database. Examples for most of Laravel's supported database systems are provided in this file.īy default, Laravel's sample environment configuration is ready to use with Laravel Sail, which is a Docker configuration for developing Laravel applications on your local machine. Most of the configuration options within this file are driven by the values of your application's environment variables. In this file, you may define all of your database connections, as well as specify which connection should be used by default. The configuration for Laravel's database services is located in your application's config/database.php configuration file. We'll let you know if and when we hear more. Rockstar has given no indication of when it expects its PC services to be restored. Those versions also make use of the Rockstar Launcher on PC, though, meaning fresh downloads are still locked for the time being. Anyone who previously purchased those editions can still download and play them on their original platforms. The outage comes one month after Rockstar removed downloadable versions of the original Grand Theft Auto trilogy games from console and PC storefronts ahead of the remaster's release. This hobbling of the PC version is inexcusable. These games include zero online functionality-not even friend leaderboards, let alone the two-player mode from San Andreas. Some games or game modes may require an internet connection for activation and/or gameplay. The Rockstar Games Launcher is a new Windows desktop application that allows you to quickly and easily access your Rockstar Games PC collection in a single place, across both digital and disc-based titles including ones purchased from various other. While the games' authentication process may return before long, the fact that the games need to check in online is maddening. Question: Can I play games offline using the Rockstar Games LauncherAnswer: Story mode generally does not require an internet connection to play. Advertisementįurther Reading We suggest you don’t buy the $60 Grand Theft Auto Definitive TrilogyAs Ars' own Sam Machkovech put it in his overall negative impressions of the remastered games: Services will return as soon as maintenance is completed." Fourteen hours later, the company gave a brief update, saying, "We thank you for your patience and understanding as we continue to work on restoring services for the Rockstar Games Launcher and supported titles." That same update also appears on Rockstar's support site. Having inaccurate behavior might fix one game but it will break others. It appears that the issues have prompted Rockstar to remove the PC version of. Rockstar officially noted the outage in a support tweet Thursday afternoon, merely saying that "services for the Rockstar Games Launcher and supported titles are temporarily offline for maintenance. Having accurate behavior is more important than making games work. At the time of writing, the Rockstar Games Launcher is still offline, around 17 hours after the firms initial tweet. The timing of the outage is particularly tough for the company, coming amid Thursday's launch of the remastered Grand Theft Auto: The Trilogy. After installing the updates, restart your computer and check if the Rockstar Launcher is still not working. Then, click the Check for updates button to download and install any pending updates. The servers for the Rockstar Games Launcher on PC have been down for nearly 24 hours now, and PC versions of Rockstar's games have been removed from sale on the company's website. Press Windows + I to open Windows Settings and go to Windows Update. Comparison images provided by Rockstar Games. 1/21/2024 0 Comments Devonthink pro vs onenoteEven if it’s PDFs (and DEVONthink seems to analyze them to be able to suggest similar documents and to find duplicates) DEVONthink simply works - I noticed this when I accidentally dragged 8900 files, mostly PDFs, in one go into DEVONthink (cursed subfolders! -)). I didn’t have problems importing a few thousand files in one go - simply drag them into the folder you want to have them. The reason is that DEVONthink is not a simple file/folder system, but offers some features that help you very much in sorting your data - most importantly recognizing duplicates (see below) and allowing files with the same name in one place (see below). I strongly recommend sorting the material in DEVONthink. If it gets too large it’s possible to split the database, although only some versions of DEVONthink support multiple databases. Disadvantage is that it gets large very quickly, but see above, it should work and for me (now) the advantages are greater than the disadvantages. are relevant for private projects and work projects. It also saves space, as some images, videos, documents, etc. The reason for one database is that I think that different topics stimulate each other and if they are grouped (“put into folders”), there should be no conflicts. Archived content of finished projects is in a Wiki. I have put all my material that I still work with, PDF documents of articles, images, videos, etc. Very useful if you want to look up something (e.g., an image while writing something in an rtf file), have found it, and want to go back to the file, then simply click on the left arrow until your rtf file is displayed. It also gives you two arrow buttons which allow you to go through the content you had displayed previously. Personally, I think the “as Three Panes” works best (for me) - you get the group structure left, the content of each group top right and the content of the selected file bottom right. The right viewĭEVONthink offers different views (View – ). The icon works fine to tell me which file type I have.įor Backup I have selected daily - note: it’s only the backup of the database information, not the files itself!įor Update I have selected on startup. Personally, I have chosen in General (don’t know the original settings): Alternating row colors in views, Display number of items inside groups, Highlight Internet links in views, Mark duplicates and replicants in color (duplicates are blue, replicants are red - very useful!), and colorize icons with label.įor Import I have selected Filename without extension as I do not want the see. The downside is that in some applications they can screw up work, so think before you click. The global settings are powerful and often the default settings are not ideal for me, so they are well-worth a look. The first thing I do with new software is to check the Preferences (application name in menu bar, then Preferences or press cmd + ,). Note: I use the terms “groups” and “folders” interchangeably, because in DEVONthink any folder is actually a group, i.e., all documents in that folder are tagged with the group name and displayed in that group. So, how does my DEVONthink database look so far? □ Coming with a very large collection (and it is a collection that I can import easily), I’m not concerned that I’m already at 25% of the amount of files, it would be akin to saying the apartment you just moved in was too small because with all your stuff from your old apartment there is only little space left. So far, I’m at 50k of 200k files and at 1.2M of 3M words. Opening the database takes about a minute or so, but I only do this once every few days - the rest of the time it stays open - so that’s okay.Īt the moment I think that it’s the best collection I have used so far - and it is very good to dealing with a lot of information/files you put into it.Īccording to the very helpful customer service (thank you :-)), the theoretical maximum number of documents is at about 200.000 and the maximum total number of words at about 300.000.000. While my main database is now at about 29 GB, it still works fine. I am still transferring the information from my Wiki to DEVONthink, so this is a work in progress. I’m continuing to use DEVONthink (Pro Office version see this posting for a very quick introduction of its strenghts). Each minor refinement is a step in the process, and all of the steps must be taken.Ĭhairman Sheng-ji Yang, “Looking God in the Eye”, in “Alpha Centauri” We use crude tools to fashion better tools, and then our better tools to fashion more precise tools, and so on. One does not simply take sand from the beach and produce a Dataprobe. Technological advance is an inherently iterative process. 1/21/2024 0 Comments Samuel steward tattooSteward soon began hearing rumors that college administrators found his book distasteful for its sympathetic portrayal of a prostitute, one of the main characters. Review copies reached campus in early May 1936. “It quite definitely did something to me.” Steward loses his jobĭespite the favorable reception, the book started causing trouble for Steward before it was even published. “I like it I like it a lot, you have really created a piece of something,” Stein wrote. The New York Times wrote favorably about the novel, describing Steward as possessing “a very distinct gift above the usual.”Īnd Gertrude Stein, the American writer and expatriate who lived most of her life in France, lauded “Angels on the Bough” in a letter she penned to Steward. The book immediately received reviews, almost entirely positive, in dozens of newspapers across the country. As Gipson explained to Steward, “We are interested not in making money out of any author for whom we may publish, but in helping him.”Ĭaxton published “Angels on the Bough” in May 1936. Gipson, understood the transformative power of books and sought to give a voice to deserving writers when other firms rejected them. Lehigh University Special Collectionsįounded in 1907, Caxton Printers has earned national attention for its fierce defense of freedom of expression and unique publishing philosophy. After an editorial review, Caxton Printers agreed to publish Steward’s novel, “Angels on the Bough,” which told the story of a small group of characters and their intertwined lives in a college town.Ĭaxton Printers founder James H. He worked to find a publisher and contacted a small firm in rural Idaho. The following year, Washington State College – now Washington State University – hired Steward to teach classes on a one-year contract.Īn aspiring writer, Steward drafted his first novel while still a graduate student. in English in 1934 from Ohio State University. A book met with backlashĪ native of the Midwest, Steward earned his Ph.D. More than 80 years ago, an English professor named Samuel Steward was dismissed from his teaching position after publishing what his college’s president deemed a “racy” novel.Īs an archivist and scholar studying publishing in the American West, I’ve located published and unpublished archival sources detailing the controversy surrounding Steward after he published his first novel, which ultimately cost him his job. Issue a dir ( List Directory ) command again to check for the output.
1/21/2024 0 Comments Living room layout ideas smallYou can also map things out with painter’s tape on your floor to get a sense of how it will feel in person. I used the Homestyler app to create these and you can use it too! It’s free and pretty user-friendly. There’s no “one size fits all” floor plan, but what I’ll share here are some common ones that are pretty versatile. The plans I have for you today offer ideas to get you started, and you can adapt them to meet the needs of your specific room. Install the TV on the wall over the settee (to the right of the sofa) Designer tip: Ottomans are great multi-functional furniture pieces for small spaces. Living rooms come in all sorts of shapes and sizes - some are more straightforward and obvious, others are awkward or tricky. Put a small thin media console under the window to put the television on (if your window is high enough). I know drawing up floor plans doesn’t necessarily come naturally to everyone, so I thought I’d share some of great living room layout ideas to help you visualize it if you’re in the middle of planning out your own space. Having the right space plan makes all the difference in the functionality of a room so I like to start with that part! Add wall sconces instead of floor lamps and table lamps, to free up floor space Also another tip is to add a beautiful chandelier or pendant light with. In this open plan Swedish living room from Fantastic Frank, a simple triangular-shaped pendant light is hung low over the coffee table, helping to define the seating area, and providing ambient light that makes the space feel more intimate after dark. It might sound strange, but I actually love mapping out furniture placement, figuring out flow, and then finding the right pieces to fit that plan. It takes up less space than most arrangements and. The best layout for a little living room is generally an L-shape. Inspiration for a small traditional grey and cream living room in Minneapolis with grey walls, laminate floors, a standard fireplace, a tiled fireplace surround and brown floors. One of my favorite parts of the design process is creating floor plans. 1) SMALL L-SHAPED LIVING ROOM LAYOUT Idea. Black and white trim and warm gray walls create transitional style in a small-space living room. In addition to Premiere Pro, Adobe is also releasing public beta versions of Premiere Rush and Audition for M1-powered Macs. In addition, if Premiere Pro is run through Rosetta 2, previous versions for Macs equipped with Intel chips will work without problems on Macs equipped with M1. Recently released M1 Mac native compatible Premiere ProThe first public beta includes the most commonly used editing features and workflows such as color adjustment, graphics creation, and audio editing, as well as production and multi-camera capabilities.It also supports the widely used codecs H.264, HEVC, and ProRes. Faster Editing workflow.Adobe, Apple's Apple siliconAdobe runs natively on Macs equipped with (M1 chip) Premiere ProWe have released our first beta version to public beta testers.įirst beta version of Premiere Pro releasedĪccording to a document published for the Adobe support community, Adobe is currently porting features to Premiere Pro, which supports M1 Mac natively, in stages, so there are many features that have not been ported yet. Enhanced graphics performance in Mercury Playback Engine. In the latest version of Adobe Premiere Pro new improvements have been added such as search bins, a more refined user interface with HiDPI support, multi-project workflows, improved master clip effects and advanced timeline search capabilities.Īdobe Premiere Pro is a state-of-the-art video authoring tool that features all the tools, functions, filters and effects you need for professional video edition and creation. Still an industry standard video editing suite However, it does make collaborating on projects easier, updates are issued instantly and integration with other Adobe products is much improved. Some users won't appreciate the switch to Creative Cloud and the subscription model it entails and no doubt Adobe will lose some users to Apple's Final Cut Pro. Beginners however may feel overwhelmed by the complexity of this program although Adobe offers highly detailed documentation and lots of tutorial videos about how to get to grips with the basic functionality. Complex for beginners but plenty of helpĭesign professionals that are familiar with other Adobe products will find Adobe Premiere Pro intuitive and familiar to use. Most recently, Adobe has also added Live Text templates, Masking and Tracking, Master Clip effect and a faster editing workflow. Amongst the other many other powerful features of Adobe Premiere is the possibility to export to Blu-Ray format and even tapeless video cameras. This is thanks to the Adobe Mercury Playback Engine which means you can work natively with a huge number of video formats compared to most video editors. Format flexible, Blu-Ray, Final Cut support and moreĪdobe Premiere Pro is now fully compatible with other Adobe tools including the SWF format and even Final Cut Pro files. Creative Cloud is also integrated with Behance, so you can share your projects and get instant feedback from other designers and editors around the world. Collaborating on projects has now been made significantly easier thanks to Sync Settings which keep your settings, workspaces, and even keyboard shortcuts organized across multiple computers. 1/21/2024 0 Comments Weekly budget worksheetWrite down your weekly after-tax income, then multiply by four to get your monthly income. Get out a blank piece of paper (or open a blank excel sheet). To create a weekly budget template, follow the steps below: With gas and a little extra entertainment, he nearly took himself into the negative! Good thing he knew where he stood with the weekly expense sheet, calendar view.) His budget said he’d only have $75 on Wednesday. (Note the first few days-before Ethan got his paycheck. The second image is what actually happened. Want to see how this spend looks in the calendar view? The first image was Ethan’s plan for January 2023. Weekly Budget Template: Budget Calendar Tab Again, not bad, but something he can improve on in the next month. With the additional expenses, he only had $320 for saving and giving at the end of the month. His paychecks came in as expected, and most of his bills hit when they were supposed to, but he just had a few overspends: in gas, restaurants, and entertainment. That’s not too bad! How did his actual spending pan out?Įthan didn’t have anything major issues pop up during the month. So, according to his initial budget, he’ll have $550 left at the end of the month for saving and giving. Thankfully, his housing costs are low, and he doesn’t have child or pet costs. His car costs nearly $500 more than it should each month, which makes saving and giving difficult.Īnd he doesn’t think he can spend just $330 on food each month, so his food budget is over $200 more than the ideal budget. The ideal budget shows that Ethan should save $480 a month and give $300 away to causes of his choice. Top Free Monthly and Weekly Budget Planners And this is exactly what this weekly budgeting template could do for you, too.įree Budget Calculator (Excel For Single or Family Household Spending)įree Monthly Budget Template (Simple Budget Tracker Spreadsheet) It was, of course, the weekly budgeting method. You might have figured it out from the title (or have searched about a “weekly budget template” to get here). So what changed? How on earth did Greg pull off this rapid transformation? I was prepared to talk him down off the metaphorical ledge again, but I was immediately caught off guard by Greg’s ear-to-ear smile. Greg had scheduled another budgeting meeting with me. He was frustrated-almost angry-about his finances.Įach month, he thought he was finally getting ahead, but his hopes were typically crushed by a late surge of bills. Hint: here’s my guidance on how to fill out and use a budget sheet. Pick one of these cute printable monthly budget templates that you like, print it out, and get to budgeting.Īnd next week? Maybe try a different one on for size (go ahead, change up your budget worksheets like you change up your shoes!). Psst: after choosing one below? You’ll want to check out my 14 stupid simple budgeting tips for beginners.Īlright – let’s check out some cute budget worksheets. Once you find the kind that you love? Then you can spend some money upgrading (if you want to). That’s because the first one you try might not be the perfect one for you – you can try it out, then print out another one and try that on.
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