![]() Homeowners in the medium-risk flood zone are not required to purchase flood insurance unless they have received federal disaster assistance in the past. In New York City, the X zone is our only medium-risk flood zone. In medium-risk flood zones, there is a 0.2% chance of flooding every year. Home and business owners in high-risk flood zones with a mortgage are generally High-risk flood zones start with either the letter A or V. In high-risk flood zones, there is a 1% chance of flooding every year, meaning there is at least a 1 in 4 chance of flooding over the course of a 30-year mortgage. ![]() It repealed the price increase trigger for new policies it repealed the price increase trigger for homes upon their sale it repealed the price increase trigger for homes that were remapped into a higher risk flood zone and it limited rate increases to 18% a year for all policies. The HFIAA reversed some of the changes to the National Flood Insurance Program made under Biggert Waters. HFIAA (Homeowner Flood Insurance Affordability Act) The National Flood Insurance Program (NFIP) has five zones: VE zones, A zones, AE zones, AO zones, and X zones. For example, high-risk flood zones have a 1% chance of being flooded each year. The 500-year flood plain is the area with a 0.2% chance of flooding in any given year.Ī geographic area characterized by its risk of flooding. The 100-year flood plain is the area with a 1% chance of flooding in any given year. Coastal Flooding (areas near the coast at risk to flood) and Riverine Flooding (areas near streams and rivers at risk to flood) are the most common types of flooding in New York. The FIRM maps out flood risk and outlines the flood zones.Īll of the flood-prone land area shown in a FIRM. The official flood rate map for a community. FEMA administers the National Flood Insurance Program. An Elevation Certificate does not expire and can be passed on to the next building owner.įederal Emergency Management Agency (FEMA)įEMA is the federal agency that responds to disasters in the US. If you have an older home, an Elevation Certificate is not required, but may be useful in determining a lower premium, if not now, then in the future. If your building was constructed (or substantially damaged or improved) on or after Novemand is in a high-risk area, an Elevation Certificate will be required for an insurance agent to determine your flood insurance premium. It provides important information such as the location of the building, its Lowest Floor Elevation, building characteristics, and the flood zone. The Elevation Certificate is an important tool in determining your flood risk and flood insurance premium in high-risk areas (shown as zones beginning with “A” or “V” on a flood map). Many of the Biggert-Waters price increases were repealed or modified by the Homeowner Flood Insurance Affordability Act of 2013. Biggert-Waters increased rates substantially for updated flood insurance policies and for homeowners whose properties were remapped into a higher risk zone. BFEs are measured from mean sea level, not from the ground.Ĭongress passed Biggert-Waters in 2012 to transition the NFIP to a financially sustainable program after flooding disasters, particularly Hurricanes Katrina and Rita which left the program with over $25 billion in debt. On a map, it may read: AE13, which means the structure is in the AE flood zone with a BFE of 13. An elevation certificate is required to make this calculation. This is done by comparing the elevation of the lowest occupied floor of a home to its BFE. Property owners in A zones (A, AE, AO) will likely be required to purchase flood insurance.īFE is a number that is used to determine rates for a full-risk rate flood insurance policy.
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Roblox Studio is a useful and powerful tool from which you can design and shape your own video game or virtual world. Its accessibility, intuitive design, and robust capabilities make it an essential download for anyone with aspirations of game creation. Roblox Studio on Windows is a beacon for creative minds, offering an inclusive space where budding creators and experienced developers converge to bring their visions to life. Make sure your kids stay safe by setting up privacy features and showing them the ropes of online safety. Roblox is cool for kids 13 and up, according to Common Sense Media, thanks to all the learning stuff it has. For those who want more control, Roblox Studio also has the ability to create and add 3D models, program your own scripts, and, in short, unleash your imagination to do whatever you want. The program has a large library of elements, objects, landscapes, music, and effects so that anyone without programming experience can use the program and create their own games. Simply drag all its elements into the same window and enjoy watching your adventure take shape. How to create a game with Roblox StudioĬreating a game from Roblox Studio is really simple thanks to its clear interface. The only limit is your imagination and, if you want to create a more complex game, your knowledge of the Lua programming language. And it is that from this, you can create anything, from a simulator or a role-playing game to the most exciting battle royale. One of the strengths of Roblox Studio is the diversity of experiences it offers. Start your creative journey today with Roblox Studio! What type of games and content can you create with Roblox Studio? Whether you're a seasoned developer or new to game creation, Roblox Studio offers a range of tools and features, making creativity accessible to all, completely free of charge. This user-friendly creation suite empowers everyone to design, build, and share gaming experiences within the vast Roblox platform at no expense. Yes, Roblox Studio is a free tool! Aspiring game developers and creators can download and use Roblox Studio without any upfront costs. Monetization: Generate income by monetizing your creations, allowing creators to earn from their crafted games.Collaborative projects: Collaborate with fellow creators, inviting them to contribute and enhance your envisioned projects.Physics simulation: Enjoy the flexibility to simulate real-world physics and movements within your games. ![]() Programming flexibility: Customize game mechanics using the Lua programming language for tailored and unique functionalities.Scenarios design: Create captivating environments, structures, and settings while adding dynamic effects for an immersive experience.Game creation: Craft entire worlds, games, and levels effortlessly and share them seamlessly within the platform.Among the main functions of Roblox Studio, we find: It is easy to use and has been designed so that every user can shape their ideas on this multiplayer platform. Key featuresĪs we have already explained, Roblox Studio for Windows is a program with which you can create interactive worlds and experiences with Roblox. ![]() ![]() Whether you're a seasoned developer or a beginner stepping into the world of game creation, its intuitive interface and comprehensive features make it an invaluable resource. Roblox Studio on Windows empowers users to design, build, and share their creations effortlessly. ![]() :black_circle: If you have any questions or maybe want to give a bit of helpful criticism go ahead,I am willing to hear what you have to say/ask. This time I choose to create world in 1. You can easily build this spruce cabin as a starter house in early g. :black_circle: I however made a error with the width of the walls,as I did not know they should be a odd number in length,a few people pointed this out so I know not to make that mistake again. Welcome After few weeks Im again here with new building. In this tutorial you’l learn how to build a cozy cabin in your Minecraft survival world. Mossy cobblestone sporadically replaces cobblestone when naturally generated, with abandoned villages having an increased likelihood of it happening. Hay bales can spawn as clusters of around 8 blocks in multiple locations. Spruce stairs,Oak Logs,Oak/Spruce planks,Oak Fences,White Wool,Stoneīricks,Glass panes,Cobblestone,Oak slabs,Spruce Fences and Trapdoors. The blueprints for the official 1.14+ village buildings. It can also accommodate two players, with an enchan. :black_circle: I would recommend placing this on top of a hill as it would look very nice looking over a beautiful landscape. In this build, Spruce Mansion will surely accommodate all of the things you needed in Minecraft survival. I made a simple wooden house that is easy for beginners to makeIf you enjoyed, leave a like and subscribe to support us. :black_circle: It is two floors high and has a large attic space if being used for a home. ![]() The build itself is a Irregular shape made of a square and a rectangle. I also received help from another builder on the server with the roof,his link will be at the bottom aswell.His name is Piqzel. :black_circle: Droid was a massive help as I struggle with Medieval and he asked me did I want him to teach me.He also build along with me as he made a house along side mine for help and reference. There will be a link to him at the bottom of this upload along with other links. Small Medieval Spruce House - Minecraft Build Showcase BuildCraft MineCraftBuild Build minecraft thelonelystreamr. :black_circle: This build was built on the iBlox server and I received help from a kind user by the name of _Droid. :black_circle: Today I would like to show you my latest build that I have built,My Medieval House. This section describes how to convert TLS certificates from the P7B format to the PFX format. Openssl pkcs12 -in certificate.pfx -out certificate.pem -nodesĬonverting certificate from P7B format to PFX format You want to convert to PEM format to a machine where OpenSSL is installed using scp, Intermediate.pfx CACert.pfx, privateKey.key) that Transfer the certificates and private key ( certificate.pfx, You will need to open the file in a text editor and copy each certificateĪnd private key (including the BEGIN/END statements) to individual text files and save them asĬertificate.pfx, Intermediate.pfx (if applicable),ĬACert.pfx, and privateKey.key respectively.Īpigee does support the PFX/PKCS #12 format however, the PEM format is convenient for many When converting a PFX file to PEM format, OpenSSL puts all the certificates and the private key This section describes how to convert TLS certificates from the PFX format to the PEM format. Openssl pkcs7 -print_certs -in certificate.p7b -out certificate.pemĬonverting certificate from PFX format to PEM format The certificate from P7B format to PEM format: That you want to convert to PEM format to a machine where OpenSSL is installed using scp,įrom the directory where the certificates are located, run the following command to convert
![]() Slow down & Speed up: create Multiple Fast or Slow Motions in the Same Video!.Play in reverse: create reverse video that looks like a magic trick.Cinema: classic 16:9 for YoutubeALL-IN-ONE VIDEO EDITOR. ![]() Use music from your own deviceEXPORTED TO FIT POPULAR RATIOS.Add music from FilmoraGo's library of licensed songs.Choose from stylish themes of FilmoraGoMUSIC: Find The Perfect Soundtrack or start lip syncing!.Supports imports from social networking like Facebook and InstagramONE CLICK AMAZINGNESS: Awesome template and effects with a Touch.Share - Save to your gallery, or instantly share on Instagram, Facebook, Vimeo, WhatsApp, YouTube, or Email.-FilmoraGo Key FeaturesMix PHOTO & VIDEO: Fully featured video studio right in your pocket Create - Pick a Theme, add your favorite Music, Filters, and Titles and even Transitions. Select - Photos and videos from gallery, albums, Facebook, or Instagram. And your amazing video could be easily shared to your friends on Youtube, Instagram, Facebook, WhatsAPP. With FilmoraGo, making video with music and effects, FilmoraGo helps you make funny videos and relive your memories anywhere. speed, mute, and more.Ī pretty powerful video editor application, which will not stamp a watermark or place a time limit on your clip. It also includes import and adjust video. This app provides basic editing tools such as rotate, trim, cut, copy, and split. There are no limits to what you can create with this app thanks to its powerful features. It’s capable of creating all sorts of videos from music videos, parodies, vlogs and more. This app is one of the first many people choose and trust. This video-editing app is loved by millions all over the world it's unique and powerful. If you need an app like this, FilmoraGo is what you're looking for. This app is one of the best in the world because it provides a great interface that's easy to use. Because editing is an art, people need to use specific apps to do it properly. Some aren’t as versatile as others because they don’t satisfy specific needs. Although mobile video editing isn’t a new concept, there are still many tools that people can use. This program boasts several impressive features, including Go. Plus, you can easily splice two different videos together to create longer films.įilmoraGo is an easy-to-use video editing application that can create professional-looking videos without any technical expertise. You can easily cut video at any time to make short films. Make short videos easily by cutting, splicing and trimming footage. A free, powerful movie maker and editor that can combine video clips into a single film. Video editing can be as simple or complex as you want it to be. Making videos editable allows for specific edits these can make videos funnier or slower. A high-quality video editor for creating and exporting videos in HD. Added text effects that can be applied to multiple sources. Custom text movement options, text styles, and fonts. Audio options include speed control for speech enhancement, music fade-ins and out, and additional audio waveforms. The video can change the vignette and aspect ratios to fit the needs of the creator. Capable of adding a PIP to their videos are professional video editors. It also works with 16:9 Instagram stories that contain 1:1 messages. This app allows you to modify videos from 9:16 Tik Tok, 5:4 and 4:5 to 4:5. Upgrading to VIP doesn't place a watermark on the video. įilmora:AI Video Editor, Maker (129.74 MB)ĭr.fone - Recovery & Transfer wirelessly & Backup Mod APKĭownload Links: Filmora:AI Video Editor, Maker Mod APK 13.1.73 Fast Download (16.1 MB)įilmoraGo is a free Apple Photos, Instagram video and Tik Tok editor that can also remove videos from YouTube. Disabled / Removed unwanted Permissions + Receivers + Providers + Services + Ads �.Click here to learn how to use HappyMod to download and install all kinds of file types:xapk, bapk, apks.įilmora:AI Video Editor, Maker Mod APK 13.1.73 HappyMod is the best mod downloader for 100% working mods. You can download latest mod version or original version of Filmora:AI Video Editor, Maker 13.1.73 with HappyMod. The difference between mod version and original version is: Filmora:AI Video Editor, Maker Mod is a modified version of Filmora:AI Video Editor, Maker developed by Wondershare Software H K Co Ltd. ![]() Under the attractive logo of the website, there is a sentence summarizing the ultimate goal of the website (“Where children have fun learning to read!”). The opening page of the website is visually attractive to users (see Figure 1). Tasks like these should enhance learners’ confidence, critical thinking, and metacognitive skills (Cummins, Brown, & Sayers, 2007 National Research Council, 2000 Butler-Pascoe & Wiburg, 2003). This would allow students to create, for example, individual portfolios. Moreover, students can choose to save materials on their computers, print them, or email them to share with others inside or outside the classroom. ![]() The website, with its easy navigation tools and visual cues, allows learners to engage in varied activities, games, and materials independently, in pairs, or with the whole class. Its main purpose is to help learners master speech sounds and letters in a meaningful context where students can “negotiate meaning to accomplish a real-world, communicative task” (Butler-Pascoe & Wiburg, 2003, p. Although the website is designed primarily for first grade students, it could be also used with ESL/EFL beginners. It is designed, produced, and published by experts with successful backgrounds and experiences in publishing educational products. Stephen Schutz, Susan Polis Schutz, Jared Schutz Polis, Brandi Chase, and a team of educators, artists, designers, animators, musicians, and engineers from all over the world ![]() Website for preschool, kindergarten, first grade, second grade, special needs, homeschooled, and English language learners (ELD, ELL, ESL) Ethical Standards for Authors and Reviewersĭecember 2009 – Volume 13, Number 3 Title. There are many traditional methods of sending money overseas that include cash, check, bank draft, or money order-all of which can be slow and risky. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.If you are doing business with international clients, then chances are you need to send and/or receive money on a global scale. ![]() compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. We may also receive compensation if you click on certain links posted on our site. We may receive compensation from our partners for placement of their products or services. While we are independent, the offers that appear on this site are from companies from which receives compensation. $10,000 (per 24 hours), $50,000 (monthly)īusiness wire transfer limits Transfer typeį is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. Consumer wire transfer limits Transfer type What is the wire transfer limit for Bank of America?īank of America’s transfer limit varies on whether you are sending money through a consumer or business account. If you don’t want to send a wire transfer, you also have the option of obtaining an international money order and then mailing it to your recipient overseas. What are the ways I can send money abroad with Bank of America?īank of America offers international wire transfers directly to your recipient’s bank account in more than 200 countries. Therefore, it is best to compare the displayed rate on Bank of America with the current interbank rate to work out the exact size of the margin. It’s also worth keeping in mind that Bank of America’s wire transfer service adds a 5% to 7% margin on top of the mid-market rate for international transfers. You’ll get a better exchange rate from a money transfer specialist, so look for alternatives to save money on your transfer. While Bank of America doesn’t reveal its exchange rates online, they will show you the rate that applies to your transaction before you confirm the transfer’s details. ![]() If you send an outgoing transaction in a foreign currency, Bank of America will waive the wire transfer fee and instead add margin onto the currency exchange for your transfer.Ĭompare money transfer fees now How are Bank of America’s exchange rates? Typical wire transfer fees at Bank of America are: How much are Bank of America wire transfer fees?Īlthough fees may differ based on your type of account, receiving a domestic wire transfer costs $15 and sending an international transfer costs $45. You may also be subjected to daily and monthly limits. Consumers are limited to $1,000 per transaction and small businesses can send up to $5,000. Recipients can withdraw cash from their accounts after the transfer is complete. You’ll need to have an account with Bank of America before making a transfer. Prepare to pay a transfer fee of $30 to $45 when you send money overseas.
One of the rescuers who found Osmun told him he was lucky to be alive. He was not freed from the quicksand until late in the night, forcing rescuers to stay with him as temperatures plummeted and the park received another 4 inches of snow. A search-and-rescue team immediately set out to look for Osmun, whom they found several hours later. "The water was so cold I thought for sure I'd lose my leg because there was no way she was going to be able to get there fast enough to have people come get me out," Osmun told ABC News.Īfter hiking alone for hours, McNeill was able to call for help, and rangers located her close to the trailhead, according to a news release from Zion National Park that detailed the rescue. ![]() "There was a couple times I thought I might as well just turn back, and we can just be together for the last moments." Scariest thing, I didn't even know if I would be able to do that hike by myself," she told ABC News. "It was the hardest thing I've had to do. Ultimately, McNeill left Osman to go look for help, or at least for a cell signal so she could call 911. Here’s what to do if you find yourself sinking in quick mud: Stay calm and still: Panic and sudden movements can make it more difficult to escape. Getting stuck in quick mud can be a terrifying experience, but there are steps you can take to get yourself out safely. But that doesn't mean it can't be dangerous.įor Osmun, his predicament meant he was trapped in frigid water and exposed to the elements as winter storms hit the region. What to Do if You Get Stuck in Quick Mud. The weather was most likely a contributing factor."ĭespite what Hollywood might have you think, a 2005 study by researchers at the University of Amsterdam showed that it is not possible for a person to sink entirely into quicksand, because they are too buoyant. ![]() "We have been unusually wet here this winter. "Quicksand is not normally a problem at Zion, but it does happen if conditions are right," said Alyssa Baltrus, a spokeswoman for the park. If something - like a limb - is submerged, it is incredibly hard to escape. If exposed to a sudden shock or stress, like the weight of a hiker, it can become unstable. Ryan Osmun, 34, was hiking with his girlfriend, Jessika McNeill, along the park’s subway route when they said she tripped in a shallow creek that turned out to be. Quicksand forms when water or air becomes trapped in sand. Authorities say an Arizona man is lucky to be alive after he got trapped in quicksand in Utah’s Zion National Park for several hours on Saturday amid freezing conditions. ![]() A surgeon may remove the whole breast or only some of the breast tissue. Some people may request or require a mastectomy.Ī mastectomy involves removing breast tissue. Learn more about breast augmentation here. If the nipple is past this point, the surgeon may need to couple augmentation with a lift. The inframammary crease is the place where the base of the breast and the chest meet. Some doctors suggest that augmentation may not work if the nipple is 2 centimeters or more above the inframammary crease. Depending on the classification of ptosis, a person may require both an augmentation and a breast lift. To reduce breast ptosis, some surgeons may suggest breast augmentation. The goal of a breast lift, or mastopexy, is to raise the breasts by removing excess skin and tightening the breast tissue to reshape and support the improved breast contour.īreast lifts do not change the size of the breast tissue, so those with large breasts may require a reduction surgery. People with a previous augmentation may require different interventions than those with natural breasts. simultaneous breast lift and augmentation.For improving the appearance of saggy breasts, they may recommend: These classifications use the position of the nipple to measure the extent of ptosis.ĭepending on the staging or classification, surgeons may recommend different management strategies. Plastic surgeons will use the Regnault classification, or another classification system, to stage the level of ptosis, or sagging, of the breast. The following sections will outline some of these options. ![]() People have several options to improve the appearance of saggy breasts, if they wish to do so.Īlthough surgery is the most common method for improving the appearance of breasts, other noninvasive strategies may also be effective. The American Society of Plastic Surgeons believe that the following factors may contribute to breast ptosis due to a loss of skin elasticity: In contrast with the previous study, the researchers did not find that smoking was an important factor. The most important factor for breast ptosis, according to this study, was larger breast tissue. The researchers conclude that contributing factors for saggy breasts include: In this instance, researchers surveyed 125 women who presented to a clinic for a breast reconstruction consultation due to having saggy breasts. However, the researchers who conducted the above study did not find any significant associations between these factors and breast ptosis.Īnother study investigated some possible contributing factors for breast ptosis. Other factors that people think may contribute to breast ptosis include: significant weight loss, of around 50 pounds (22.6 kilograms) or more.The researchers note some factors associated with breast ptosis among these women. However, research has provided some clues as to contributing factors.Ī study that appears in the Annals of Plastic Surgery surveyed 132 women who attended a clinic for breast reconstruction surgery due to breast ptosis. Share on Pinterest Age is not the only factor that may contribute to saggy breasts. ![]() Allegations of illegal actions, racial bias, cover-ups, and assaults have fueled concerns about systemic issues within the department. Moreover, a decade-long timeline of controversies within the sheriff's office, ranging from mishandling evidence to associations the Sheriff has with a convicted human trafficker, has cast a shadow over Sheriff Donald Smith's leadership. The range of comments reflects the community's strong feelings, highlighting the complexity of the situation. ![]() India Washington echoed Makayla's sentiments, "Makayla Renee so trueee.".They shoot and kill black people for hairbrushes and whatever else they 'think' looks like a weapon… they don’t give them enough time to 'decipher' if it’s a weapon or not before pulling the trigger." Makayla Renee added her perspective, "I’m baffled but I’m not because what looked like a rifle was actually a piece of metal.Todd Phillips chimed in, "Anyone else would have got sprayed up bullet holes everywhere.".Garrett Ima-g Spears-Washington commented, "A racist thug, long documented history of using racial slurs and having it covered up by his brother □♂️ noticed he brandished a spear like a gun but wasn’t shot at at all and taken into custody with no excessive force complaints.".The arrest has not only caught the attention of local residents but has also sparked a heated debate on social media, particularly on Facebook, where individuals have been sharing their opinions and concerns. Community Concerns and Lingering QuestionsĪs the legal proceedings against Ronald Smith unfold, the Augusta County community is left grappling with a complex narrative involving family turmoil, alleged wrongdoings, and a law enforcement leader facing mounting questions about his familial and professional conduct. ![]() Despite the severity of the accusations, the sheriff's refusal to secure felony charges added another layer to the growing concerns surrounding the Smith family. ![]() In 2021, Ronald Smith faced charges of embezzlement for allegedly stealing large tires valued at over $1,000 from Pilot Truck Stops. The investigation detailed an intricate web of inmate calls, exposing Sheriff Smith's knowledge of these activities and his refusal to report them to law enforcement. Fraudulent Inmate Callsīreaking Through News uncovered that Ronald Smith was among those using fraudulent means, utilizing other inmates' pin numbers to make calls to the sheriff's residence from Rockingham County jail. From fraudulent inmate calls to charges of embezzlement in 2021, Ronald Smith's history is entangled with the sheriff's office. Previous investigations by Breaking Through News into Sheriff Donald Smith's activities unveiled a troubling pattern of behavior involving his brother. This incident, however, is not an isolated event. The chase commenced with Sheriff Donald Smith searching for his brother, who reportedly requested state police assistance after the State Police became aware of the situation, according to a law enforcement source familiar with the investigation. Charges against him include Obstruction of Justice, Attempted Aggravated Murder, Felony Destruction of Property, Driving Under the Influence of Drugs, Misdemeanor Destruction of Property, Felony Eluding, and Unauthorized Use of a vehicle. The high-stakes pursuit unfolded across Augusta County roads, culminating in Ronald Smith's arrest after a dramatic confrontation with law enforcement. Augusta County, Virginia - The recent arrest of Ronald William Smith, the twin brother of Augusta County Sheriff Donald Smith, on December 26, 2023, has sparked a flurry of questions surrounding potential special treatment and systemic issues within the sheriff's office. |
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