![]() ![]() Math-Drills believes that education should be accessible to all children despite their socioeconomic situation or any other factors. Supporting Student Learning with Free Math Worksheets by Math-Drills Most Popular Free Math Worksheets this Week Home schools use our math worksheets in their programs to develop and strengthen math skills in their children. Parents use our math worksheets to give their children extra math practice over school breaks and to enhance their math education. Classroom teachers use our math worksheets to assess student mastery of basic math facts, to give students extra math practice, to teach new math strategies, and to save precious planning time. Most Math-Drills users are classroom teachers or parents. The website and content continues to be improved based on feedback and suggestions from our users and our own knowledge of effective math practices. Since then, tens of thousands more math worksheets have been added. was launched in 2005 with around 400 math worksheets. There are two interactive math features: the math flash cards and dots math game. Our math worksheets are available on a broad range of topics including number sense, arithmetic, pre-algebra, geometry, measurement, money concepts and much more. ![]() includes over 70,000 free math worksheets that may be used to help students learn math. Help and FAQ Terms of Use Privacy and Cookie Policy Tour/Introduction Feedback Teachers Parents Support Math-Drills Math-Drills on FacebookĮjercicios de Matemáticas Gratis Fiches d'Exercices de Maths Math Flash Cards Dots Math Game Video Tutorials Halloween Math Worksheets Thanksgiving Math Worksheets Christmas Math Worksheets Valentine's Day Math Worksheets Saint Patrick's Day Math Worksheets Easter Math Worksheets Seasonal Math Worksheets Home Addition Worksheets Subtraction Worksheets Multiplication Facts Worksheets Long Multiplication Worksheets Division Worksheets Mixed Operations WorksheetsĪlgebra Worksheets Base Ten Blocks Worksheets Decimals Worksheets Fact Families Worksheets Fractions Worksheets Geometry Worksheets Graph Paper Integers Worksheets Measurement Worksheets Money Math Worksheets Number Lines Worksheets Number Sense Worksheets Order of Operations Worksheets Patterning Worksheets Percentages Worksheets Place Value Worksheets Powers of Ten Worksheets Statistics Worksheets Time Math Worksheets Math Word Problems Worksheets ![]()
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![]() ![]() You did it! Disclaimer: You may become addicted to mood boards! You may want to use them for your next interior design project or e-mail blast. Depending on the template you can either add them as a clipping mask or as a smart object.Īdd your logo to the finished board and export as a. Example, if your board has 11 images then you need to save the best 11 to your desktop.Īdd the images to your Mood Board Template. A secret Pinterest board is a great place to store them.ĭrag and Drop the number of images that you really really like and can fit on the board. Browse through our amazing collection of professionally made templates then start customizing the ones you like best to fit your project perfectly. Using Canva’s drag-and-drop design tools, however, makes it much easier and faster to create one. They can be fashion, floral, art, destination, other designs or objects. Mood boards, especially digital ones, are definitely fun to create but can be quite complicated. There are no rules to the type of images you use. Moodboard Overview with Free Photoshop Template Tutorial. ![]() for photos that are both the color and mood you are going for. That way you can find images with those colors. Example colors would be Tiffany Blue, Mauve, Lavender, Mint. Think of 3-5 colors you would like to use in your project. Example phrases would be warm, inviting, sophisticated, luxury, nautical, southern. To avoid it looking like other people's you may want to invest in a paid board.įigure out what your "mood is". You can buy them from Creative Market, Etsy or a designer OR you can just find a free one from a blogger on Pinterest. Only difference is you can control the resolution of the images in Photoshop and have access to a lot more editing features.įind the Mood Board Template you would like to use. If you don't have Photoshop, you can always use Canva.
![]() PLEASE CONTACT US prior to leaving feedback so that we are given the opportunity to resolve any issues that you may have regarding the auction. CUSTOMER SERVICE: After the auction sometimes errors have occurred and must be resolved. Merchandise damaged in shipping or found to be defective will be the only exception. Unwanted products may not be returned without prior authorization! The buyer is responsible for the cost of the return shipping and handling of the merchandise. Merchandise must be returned in original condition, must include all original packaging materials, warranty cards, manuals, and any other accessories that were included in the original package. RETURNS: All returns/exchanges must be made within 30 days of the receiving the merchandise. We do not accept personal or business checks, escrow, or C.O.D. Payments can only be made through PayPal. When “Buy It Now” is offered payments are to be made immediately after the “Buy It Now” is selected. All payments are due in our office no later than (5) five days from the end of the auction. PAYMENTS: As soon as you receive a winning bid notice payments can be made. We currently do not ship outside the United States or Canada. Items are promptly shipped upon payment confirmation (except for holidays and weekends). ![]() Charges for shipping to Canada will be calculated before or after auction when seller is made aware of shipping address. Cost of shipping and handling is calculated into the price of the item. Shipping for this item is free, buyer is to pay no shipping and handling charges for this item if shipped within the continental United States. Features: Concrete spall shield accessory Low velocity Easy loading Power load manually ejects after firing Free shipping SHIPPING: All shipping is via USPS. Tool has been stored lubricated with “Rem-oil” lubricant applied to prevent corrosion. ![]() Powder actuated tool is in good condition with normal wear. ![]() Includes original case, one box of 100 – 2″ power fasteners, 95 loose – 2 1/2″ power fasteners, three packages of 25 – 2 1/2″ power fasteners, one box of 100 – 2 1/2″ power fasteners, two boxes of 100 each Power Level 4 yellow power loads and concrete spall shield accessory. ITEM DESCRIPTION: Remington model 480 Powder Actuated Tool. ![]() ![]() ![]() Join Rubmaps today and elevate your massage experience to new heights.
![]() ![]() Yours truly had the pleasure of meeting Miss Ayers at a dancing engagement at one of San Francisco’s then-top live adult theaters shortly after her first stint in porn and she was looking tanned, toned, and better than ever. Sondra Stillman/Lois Ayers graced the cover of the April 1983 issue at the dawn of her career in the adult business. ![]() Perhaps Julia’s the one member of the Parton clan never talked about at family gatherings. After that, she began using her real name to cash in by being billed as Dolly’s cousin. June 1983 cover girl Julia Parton went by the stage name “Nina Alexander” until it got out in 1990 that she was a cousin of country music star Dolly Parton. This blog, seemingly created for the sole purpose of telling Kandi’s story, gives a good account of her life and times. Six and a half years before Miss Lords was spotlighted, Kandi Barbour graced the April 1979 cover. Nancy has been residing in the “Whatever Happened to.?” file ever since she left the adult entertainment biz in the early-1980s. This was aimed at cashing in on the then-huge popularity of the TV show Charlie’s Angels, in which by 1979, Farrah had departed from and Cheryl, her successor, was starring in. Just like her fellow adult starlet at the time, Rhonda Jo Petty, was billed as a Farrah Fawcett lookalike, Nancy was billed as a Cheryl Ladd lookalike. She followed that one up with a more prominent role in Taxi Girls, released later that same year. Shortly after her Easyriders cover appearance, Nancy made her adult film debut in the 1979 film The Ecstasy Girls, in which she had a small role. ![]() The August 1978 cover featured then-yet-to-be porn star Nancy Suiter. All were also featured in spreads in the issues they graced the covers of, adorning the bikes, but, with the exception of Marilyn Chambers, no mention was made of their work in the adult film industry. What follows are several more covers of issues that featured top porn starlets of the late-70s “Golden Age” era, the 80s-90s video era, as well as a couple from the post-2000 Internet era. Traci Lords may have been the most infamous porn starlet to grace the cover of Easyriders, but she sure wasn’t the first or last. These days, she is still active in the entertainment industry and has launched her own fashion line with Pinup Girl Clothing. Traci went on to have a successful mainstream acting and later singing career. When she posed for the her Easyriders shoot, she was no older than 17. The most (in)famous model being their November 1985 cover girl Traci Lords (above), who at the time and unbeknownst to Easyriders‘ staff or even the adult entertainment industry, was underage. My educated guess is that, back in the 1980s, Easyriders‘ contributing photographers hired some of their models through Jim South’s World Modeling Agency. In fact, several were lades who were already, or shortly thereafter went on to become, top names in the porn industry. Most of the ladies Easyriders featured on their covers, at least in the early days of the magazine, were not well-known or even professional models However, not all who’ve graced the covers and pages were amateur models. Since 1971, Easyriders magazine has been the premiere biker magazine (or “rag,” to use the biker colloquial term) on the newsstands. ![]() ![]() ![]() This premium free font is vintage themed and perfect for branding and promotional projects Free for Personal & Commercial use Files Included: Buffalo Script OTF Buffalo Free Script Font License: Personal & Commercial Use. □įor even more great ideas follow me on Facebook – Pinterest – Instagram – Twitter – Periscope – Snapchat & YouTube. Typewriter USA Valentine Various Western The Ultimate Font Download. Buffalo is a loopy & quirky monoline script font from Hustle Supply Co. Stay tuned ’til tomorrow for all my favorite DINGBATS! Don’t know what dingbats are?! No worries, I’ll tell you all about them tomorrow, and I must warn – you may be just as addicted to them as fonts! □įor more Script Fonts be sure to check out this post HERE.Īnd, for even more FREE fonts be sure to check out:Īnd get weekly emails with monthly freebies by signing up for the Lil’ Luna newsletter. I called it Jadeline this is awesome style of script with signature styles. Lavanderia – Wisdom Script – Wrexham Script – Coneria Script – 5th Grade Cursive □īella Donna – CAC Champagne – Contribute – Cursif – Edwardian Script – English – You can change the font size of the previews via the slider next to. ![]() All you have to do is type some text into the input box. Unleash your creativity with our exquisite collection of free handwritten, script fonts. You can use our font generator to create fonts that are easy to copy and paste into your website, social media profiles, and more. 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The Access to Jobs and Workers Via Transit Toolprovides indicators of accessibility to destinations by public transit.Most attributes are available for all U.S. Indicators include density of development, diversity of land use, street network design, and accessibility to destinations as well as various demographic and employment statistics. The Smart Location Databasesummarizes more than 90 different indicators associated with the built environment and location efficiency.Users can download data, browse the data in interactive maps, or access the data through web services. ![]() Each product summarizes the characteristics of census block groups. To respond to this need, EPA developed three data products that consistently measure the built environment and transit accessibility of neighborhoods across metropolitan regions and across the United States. However, developing data about these characteristics can be expensive and time consuming. These findings can help inform travel demand studies as well as land use and transportation planning studies. Walking, biking, and taking public transit can also save people money and improve their health by encouraging physical activity.Īn EPA-funded meta-analysis of the research, Travel and the Built Environment , summarized the measurable effects of several built environment variables on residents’ travel behavior.As a result, they can choose to drive less, which reduces their emissions of greenhouse gases and other pollutants compared to people who live and work in places that are not location efficient.People who live and/or work in compact neighborhoods with a walkable street grid and easy access to public transit, jobs, stores, and services are more likely to have several transportation options to meet their everyday needs.Watch the recording.Ī large body of research has demonstrated that land use and urban form can have a significant effect on transportation outcomes. On June 17, 2021, the Maryland Department of Planning and the Smart Growth Network hosted a webinar on the recent updates to the Smart Location Database and National Walkability Index and how these tools can be used in planning. ![]() ![]() ![]() The reason that FHA loans can be offered to riskier clients is the required upfront payment of mortgage insurance premiums. FHA loans also require 1.75% upfront premiums.įHA loans have more lax debt-to-income controls than conventional loans they allow borrowers to have 3% more front-end debt and 7% more back-end debt. In other words, monthly housing costs should not exceed 31%, and all secured and non-secured monthly recurring debts should not exceed 43% of monthly gross income. ![]() To be approved for FHA loans, the ratio of front-end to back-end ratio of applicants needs to be better than 31/43. The insurance allows lenders to offer FHA loans at lower interest rates than usual with more flexible requirements, such as lower down payment as a percentage of the purchase price. Borrowers must pay for mortgage insurance in order to protect lenders from losses in instances of defaults on loans. Please visit our FHA Loan Calculator to get more in-depth information regarding FHA loans, or to calculate estimated monthly payments on FHA loans.Īn FHA loan is a mortgage insured by the Federal Housing Administration. Because it is so leniently enforced, certain lenders can sometimes lend to risky borrowers who may not actually qualify based on the 28/36 Rule. While it has been adopted as one of the most widely-used methods of determining the risk associated with a borrower, as Shiller documents in his critically-acclaimed book Irrational Exuberance, the 28/36 Rule is often dismissed by lenders under heavy stress in competitive lending markets. The 28/36 Rule is a qualification requirement for conforming conventional loans. It states that a household should spend no more than 28% of its gross monthly income on the front-end debt and no more than 36% of its gross monthly income on the back-end debt. and Canada to determine each household's risk for conventional loans. The 28/36 Rule is a commonly accepted guideline used in the U.S. Non-conforming loans are any loans not bought by these housing agencies that don't follow the terms and conditions laid out by these agencies, but are generally still considered conventional loans. Conforming loans are bought by housing agencies such as Freddie Mac and Fannie Mae and follow their terms and conditions. Conventional loans may be either conforming or non-conforming. In the U.S., a conventional loan is a mortgage that is not insured by the federal government directly and generally refers to a mortgage loan that follows the guidelines of government-sponsored enterprises (GSE's) like Fannie Mae or Freddie Mac. This ratio is known as the debt-to-income ratio and is used for all the calculations of this calculator. Monthly housing costs + all other recurring monthly debt The back-end debt ratio includes everything in the front-end ratio dealing with housing costs, along with any accrued recurring monthly debt like car loans, student loans, and credit cards. The monthly housing costs not only include interest and principal of the loan, but other costs associated with housing like insurance, property taxes, and HOA/Co-Op Fee. ![]() Front-end debt ratioįor our calculator, only conventional and FHA loans utilize the front-end debt ratio. The front-end debt ratio is also known as the mortgage-to-income ratio and is computed by dividing total monthly housing costs by monthly gross income. The lower the DTI, the more likely a home-buyer is to get a good deal. For more information about or to do calculations involving debt-to-income ratios, please visit the Debt-to-Income (DTI) Ratio Calculator.īecause they are used by lenders to assess the risk of lending to each home-buyer, home-buyers can strive to lower their DTI in order to not only be able to qualify for a mortgage, but for a favorable one. They are basic debt-to-income ratios (DTI), albeit slightly different and explained below. In the U.S., conventional, FHA, and other mortgage lenders like to use two ratios, called the front-end and back-end ratios, to determine how much money they are willing to loan. Related Mortgage Calculator | Refinance Calculator | Mortgage Payoff Calculator Include the tax and fees below into the budget This is a separate calculator used to estimate house affordability based on monthly allocations of a fixed amount for housing costs. House affordability based on fixed, monthly budgets ![]() ![]() This means we should seek mutually beneficial solutions for everyone concerned in our interactions □.Īnd if you cultivate an abundance mentality (as opposed to a scarcity mentality), you’ll know that there’s more than enough of everything to go around. The book encourages us to practice the win-win philosophy. Organizing your life this way will give you greater control over your activities and allow you to self-manage yourself to maximum effectiveness. But your integrity demands that you stay true to your guiding principles, so don’t think of saying ‘no’ as bad. Sometimes, this will mean saying ‘no’ to certain things. Then, make these priorities a regular part of your schedule □. Use your end objectives to determine what areas to focus on immediately and what can be pushed to later. Finally, on your journey to fulfillment, let your core values guide you. What do you want to accomplish in your life, both professionally and personally? Then, as you plan and go about your life, ensure you never lose sight of those final objectives so that every action, whether large or small, is engineered to propel you closer to your goals. That’s what proactive people and successful individuals do. Instead, dig deep, draw on your strength of character, and respond with integrity and maturity. When external hurdles fall in your path, don’t let them deter you. So take responsibility for your life and commit to improving it proactively. They say the secret to serenity is to focus on what you can control and release what you cannot. This is because these internal processes, which involve deep introspection and reflection, are the key to achieving true success and effectiveness.Ĭovey then describes seven habits that can help us build and strengthen our character: The book introduces the concept of the ‘ Character Ethic,’ which encourages readers to build character through integrity and maturity instead of focusing on outward behavior. A mature person can handle situations, even conflict-ridden ones, with patience, grace, and a long-term perspective. ![]() Maturity is the ability of an individual to stand by their deeply-held convictions while also understanding and respecting the beliefs of others. He defines character as the convergence of two key traits: integrity and maturity.Ī person with integrity is one whose behavior and actions closely align with their core principles and values. ![]() ![]() In his book, Stephen Covey explains that a person’s character, rather than personality, determines their personal and interpersonal effectiveness. Want to save even more time? Try ClickUp Brain free The 7 Habits of Highly Effective People Summary at a Glance ![]() ![]() You can try Adobe Customer Care and see if they will make some sort of arrangement. You can't get by using a computer without internet access if you want to use Creative Cloud. About Cracked.io Cracked.io is a community forum that suits basically everyone. Adobe Photoshop CC software accelerates your path from imagination to imagery. It gives productiveness and workflow enhancements, effective new enhancing gear, as well as step forward compositing abilties. 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They used to offer the updates as a separate download, but with 2017 they do not because Adobe had not provided the offline installers Beside that is the three dots for opening the menu, but when clicked the only option is "learn more", there is no option for other versions.Ok, I'll admit I rushed over the question and missed your point. Adobe Photoshop CC 2018 Crack with serial key and product key make your personality to a shining star. Since PS isn't compatible with my computer, it says "Not Compatible" rather than "Open" or "Install". Adobe photoshop cc 2018 crack file for mac. Adobe Zii 3.0.4 latest release is a crack for all adobe CC 2018 products including previous versions of Adobe apps since CC 2015. I have gone into my preferences in the Adobe Creative Cloud desktop app and selected "show older apps", and some older apps did come up, but it still won't let me see the older versions of photoshop. 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