Loan cost is a deciding factor for many borrowers. Based on the three main criteria, our team evaluated more than 85 lenders, assigning each a Bankrate Score out of five stars. Our research takes into account three main factors: affordability, availability and borrower experience.īankrate's mortgage reporters and editors have decades of experience covering the mortgage industry. Notably, the bank has an A rating from the Better Business Bureau.īankrate's expert editorial team gathers mortgage lender information through a variety of means, including direct contact with lenders, regulatory filings and assessments by reputable third parties. Borrower experience: If you’re eligible for a loan, TD Bank can prequalify you immediately.In the states where it has a presence, however, it offers a large variety of mortgage options for virtually every type of borrower. Availability: TD Bank only operates in some parts of the U.S.The bank charges a flat underwriting fee on conventional loans. Affordability: Like other big banks, TD Bank’s mortgage rates are somewhat higher compared to other types of lenders, but overall aligned with Bankrate’s averages.(Bankrate’s partners compensate us, but our opinions are our own, and partner relationships do not influence our reviews.) We derived its overall score by considering three basic factors: To determine TD Bank’s Bankrate Score, Bankrate’s editorial team rated it and other lenders on a scale of one to five stars based on a variety of factors relating to the lender’s products and services. ![]() While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.ī is an independent, advertising-supported publisher and comparison service. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.Įditorial policy, so you can trust that our content is honest and accurate. Our experts have been helping you master your money for over four decades. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our goal is to give you the best advice to help you make smart personal finance decisions. ![]() ![]() Our editorial team does not receive direct compensation from our advertisers.īankrate’s editorial team writes on behalf of YOU – the reader. We maintain a firewall between our advertisers and our editorial team. ![]() Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first.
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![]() “You look ready to toss your cap in the air at West Point,” his trusty underling Karl says, which is the only acknowledgment that Chuck has undergone a complete makeover in what amounts to a matter of days in the Billions universe. Seeing a clean-shaven Chuck is like spotting a zebra without stripes-it doesn’t make sense. Paul Giamatti doesn’t just look noticeably slimmer, he’s also lost the facial hair that’s been as much of a trademark for Chuck as all those kinky BDSM sessions. is starting to consider the moral consequences of his life choices-OK, just kidding about the last one, he just really wants Wendy to pull the plug on him if the day comes when he starts slowly dying of organ failure.īut really, the most shocking moment of Billions’ return has nothing to do with plot, but one person’s appearance. ![]() But rather than acknowledge the long (albeit off-screen) passage of time, the show confidently returned to its midseason plotting with the expectation that its viewers would get right back in the saddle.Īs a brief refresher, here are the most pressing concerns for the main characters heading into the back half of the season: Chuck needs to find his dad a new kidney Wendy is trying to make sure her buff artist boyfriend doesn’t get corrupted by his newfound wealth Axe is looking to expose the supposed do-gooder Mike for being just as much of a capitalistic monster as he is Taylor is still working on their environmentally conscious impact fund and Chuck Sr. (The Limitless pill chaos unintentionally functioned as a midseason finale, which made it all the more hilarious.) The break finally ended this past Sunday, with Billions airing the eighth episode in its fifth season. The result was a 15-month hiatus for a season that was already completely written and didn’t have a natural place to hit pause before it was forced to do so. But the show’s latest installment was one of the stranger casualties of last year’s COVID-imposed shutdown of television and film productions: Billions had already aired more than half its season before filming paused. ![]() Season 5 has juggled a lot of dense, ridiculous, and twisty story lines-which is to say, it’s been a typical season of Billions. married his Native American mistress who just gave birth to his child he’s also in dire need of a kidney transplant. ![]() Meanwhile, Chuck and Wendy Rhoades, finalizing a divorce that was brewing after Paul Giamatti’s iconic BDSM speech to the public in the previous season, moved on to have romantic entanglements with guest stars Julianna Margulies (as a sociology professor who published a book on female orgasms) and Frank Grillo (as a buff postmodern artist painting on commission for Axe), respectively. (Luckily for Bezos, his brief journey to the cosmos fared better than Billions’ own self-funded billionaire rocket launch from Season 3 RIP, Bob Benson.) Not that Billions needs much inspiration from the real world for its fictionalized absurdities: its fifth season has featured Bobby Axelrod and his latest billionaire rival, Mike Prince, fighting over a shaman-“You stole my shaman!” Axe says in the second episode, which I’ll never get out of my head-and Axe taking a Limitless-esque pill that nearly tanks his company. Between the GameStop stock debacle and Jeff Bezos leaving Earth’s orbit in a phallic rocket, it feels like the world has been product testing potential plotlines for Billions for the past two years. ![]() The aim was to push each virtual desktop service to see how useful its basic tools were and also how easy it was to get to grips with any more advanced tools. To test for the best virtual desktop services we first set up an account with the relevant platform, then we tested the service to see how the software could be used for different purposes and in different situations. How we tested the best virtual desktop services Additionally, higher-end software can usually cater for every need, so do ensure you have a good idea of which features you think you may require from your virtual desktops. When deciding which virtual desktop service to use, first consider what your actual needs are, as budget options may only provide basic features, so if you need to use advanced tools you may find a more expensive platform is better suited to you. Which virtual desktop service is best for you? We've also featured the best Linux Desktops. It’s a great choice for small businesses with limited IT support. You can get a working virtual desktop environment up and running in less than an hour, with little to no technical experience. The real advantages here are speed and accessibility. While there are no native apps, which may be a turn-off for some, the end-user experience is still quite impressive, with high-performance 3D graphics and drag-and-drop file sharing. The simplicity is quite refreshing compared to other highly complex, jargon-saturated services. Choose an infrastructure (AWS, Google Cloud, etc.) and the apps you need (Office 365, Adobe Creative Cloud, Autodesk, Google Chrome, etc.), integrate with your existing cloud storage (Dropbox, Google Drive, etc.), and then access your machine on any HTML-5 capable browser. The company aims to provide a more streamline experience to admins, without sacrificing end-user experience and functionality.įor example, provisioning is broken down into five simple steps. Nutanix XI Frame is a great choice for anybody who’s wary of the complexity and IT know-how necessary to set up and take advantage of a full-featured DaaS environment. Read our full Windows Virtual Desktop DaaS review. Scheduled backups, snapshots, offline and encrypted backups of virtual machines, and automatic failover all help mitigate the risks of data corruption or loss. With Azure, customers benefit from great backup and recovery features, making this one of the best providers for data security. The Windows Virtual Desktop website even has a comprehensive calculator to estimate your costs based on your business’s needs. There are discounts available for one- and three-year subscriptions, or you can pay as you go. Pricing depends on region, operating system, virtual machine (CPU, GPU, and memory), and usage (in hours, days, or months) and is thus flexible. WVD has excellent device support as well: Windows, iOS/iPadOS, MacOS, Chrome OS, Android, and all major browsers. There are no one-time fees and no commitments: you can cancel your subscription at any time.Īzure Virtual Desktop enables businesses to provision Windows 7 or 10 virtual machines, complete with support for Office 365 and many third-party applications. There are several payment options based on disk size, number of CPUs, memory, and whether you bring your own licenses (BYOL).īundled services can be charged monthly or even hourly, so you pay for what you use. ![]() Businesses that are interested in trying out the services can take advantage of a free tier with two workspaces, for up to 40 hours per month. One of the biggest advantages with Amazon WorkSpaces is the flexible pricing. Both operating systems come bundled with default software like Internet Explorer, while Microsoft Office and others can be added for a monthly fee. It makes use of a PCoIP protocol for compression and encryption of data transfers, and WorkSpaces also uses Amazon’s SDX protocol.Ĭustomers can provision Linux and Windows virtual machines, while AWS runs on Windows, macOS, Chromebook, iPad, Amazon and Android tablets, Chrome and Firefox. Can only add users/assign desktops manuallyĪmazon WorkSpaces is an industry leader in DaaS, with great features and pricing options for small businesses. ![]() Then you either go into VFD or Enterblathnir, pic related. Not to mention making Devil turn 1 and watching them try to kill it is the funniest thing on earthĪctually VFD is just something extra to end your fields with, generally if you arent going into a fusion (say for par a D barrier) you usually just summon a reactor and duplicate it with geartown. Gears arent the best deck out there but they can do some damage if left unchecked especially against decks like 60 card zoo that like to end with big boards ripe for an otk They can bounce back from shut downs since the combo requires no normals, plus Fortress makes it so they literally cant do anything to chain/destroy/target your combo pieces. Dont forget glow up bulb into nat beast also works, and lord almighty overload fusion makes me thank god CAGG is a dark. Balancing the deck with spell destruct like double cyclone and field searching like set rotation+gateway to chaos can really make the deck something to never underestimate. You can run a lot of stuff nowadays to speed gears up, we're no longer in the age of "pray double geartown gadget dragon turbo"!īurial goods can ditch stuff like cyclone or catapult for easy access, engines like Cyber dragon/Jizukiru can help fill space too. TCG: Starter Deck: Link Strike (July 21st).TCG: Battles of Legend: Light's Revenge (July 7th).OCG: Structure Deck R: Surge of Divine Radiance (September 23rd).OCG: Deck Build Pack: Spirit Warriors (August 11st). ![]() ![]() >Wiki with a wealth of information for the players: >Manual Card Updates (place inside the expansions folder): >High Quality YGOPro Images: !3xRSSZLD!n5HAXjFTVV8g-ha3I_5SsA /lgbt/ - Lesbian, Gay, Bisexual, & Transgender. ![]() In this study, Karen gives women practical, biblically based steps for knowing what to say and how to say it, as well as when it is better to say nothing at all. All other NFL-related trademarks are trademarks of the National Football League. Keep It Shut is a six-session, video-based small group Bible study that explores how to control the tongue. NFL and the NFL shield design are registered trademarks of the National Football League.The team names, logos and uniform designs are registered trademarks of the teams indicated. “If they don’t have a job, they’re getting laid off, how are they going to buy stuff?” she said.© 2023 NFL Enterprises LLC. But that may not shield her in a place where the tourism industry accounts for 75 per cent of private sector jobs. And this time, there are no pandemic-era Paycheck Protection Program loans for businesses, nor any enhanced unemployment checks for the jobless.Ĭlothing designer Gemma Alvior estimates that locals make up almost all the clientele at her Kahului store, Pulelehua Boutique. I myself know very well from the times I have wished I could take back my words often my whole body is affected. If you have a well, shut off the electrical switch for the well when you leave for an extended period so it won’t pump any water while you’re gone. In chapter one of Keep It Shut, Karen writes this about James 3:6: The passage in James also talks about how the tongue can corrupt our whole body. It peaked at 35 per cent during the COVID-19 pandemic, but in July was just 2.5 per cent. You’ll need to call your water department (and possibly pay a small fee) to have the water to your house turned off at the curb stop while you make the repair. ![]() ![]() The Bible has a lot to say about the tongue and what kind of power it has. In this weeks episode, we look into SAVE student loan plan, VERIFY if seniors could see lower medication costs and if the White House will limit beer. In this study, youll take a personal tour through the hows (and how-not-tos) of dealing with the tongue. University of Hawaii economists expect Maui’s jobless rate to climb as high as 10 per cent. What to do when youve said something you wish you could take back. Keep It Shut by Karen Ehman explores how to better control your tongue, knowing what to say and how to say it, and realizing when it is best to say nothing at all. Nearly 8,000 people filed for unemployment on Maui during the last three weeks of August compared with 295 during the same period in 2022. Kind, encouraging, and humorous, Karen Ehman helps us learn the essential practice of using our words more effectively&151 alleviating heartache and regret, reducing relational tension and conflict, lessening our stress levels, and growing our relationship with God.From Bible times to. Mass layoffs are showing up in government data. Keep It Shut, Session 3, Opinion-Slinging and Salty Speech: Assessing Our Digital Tongues Keep It Shut (Karen Ehman). Get the free app as a part of your Study Gateway subscription. “It takes a lot of soul-searching of what’s the right thing to do to protect that place,” said Swain, who plans to hire everyone back. Watch thousands of Bible study videos on subjects like discipleship, overcoming and healing, Christian living, and Bible discussion. Read 66 reviews from the world’s largest community for readers. ![]() ![]() It was created in 1986 by the Regal China company and featured black and white detailing with an earth stand. This intriguing piece is shaped after NASA’s space shuttle known as “The Enterprise’. Price: $122.50 Jim Beam Space Shuttle Decanter (Source: Ebay) The blue and red outfit worn by Paul Bunyan makes this decanter very attractive. The piece has the number 100 imprinted on the base and has a glossy glazed finish. ![]() This bottle is a centennial decanter with Paul Bunyan walking a blue ox. Price: $205 Paul Bunyan Minnesota Centennial Jim Beam Whiskey Decanter (Source: eBay) Paul Bunyan Minnesota Centennial Jim Beam Whiskey Decanter This club shows how phenomenal the bottles are.ġ. The company even made celebratory pieces to mark events like the Great Chicago fire centennial anniversary in 19 football-playing elephant decanter to celebrate the Republican convention.Ĭollector clubs were created worldwide by the end of 1960 and spent a fortune collecting rare and significant Jim Beam Decanter pieces. They became a household name in clubs, bottle stores and every outfit that needed bottles to run their businesses.īetween 1955-1992, Jim Beam rolled out an impressive number of decanters annually. The 60s was a golden era for Jim Beam People found their bottles everywhere and anywhere. In a bid to evade millions of dollars of taxes, Jim Beam, a company located in Louisville, Kentucky, invented a way to quickly sell off excess whiskey by packing the liquids in special hand-painted ceramic bottles known as decanters, a great accessory to bar spaces. Jim Beam decanters came into existence due to the federal government act of the 1950s, which mandated distilleries and all ageing liquor producing companies to start paying taxes and levies as soon as their product turned eight years old.
![]() Recorded in New York on November 18, 1993, five months before Kurt Cobain’s death, it was the first of three tapings in three days that week for MTV. As Entertainment Weekly’s review so cogently observed, “ Unplugged elicits a feeling of musical loss – the delicacy and intimacy of these acoustic rearrangements hint at where Nirvana could have gone next.”Īn expanded 2LP edition of MTV Unplugged In New York, featuring rehearsal recordings only previously available on DVD, can be bought here.It’s worth remembering and repeating: Unplugged was never meant to be Nirvana’s final statement. 1 on the Billboard 200, the album became a fitting epitaph for a singular talent. Cross, he only brightened when manager Janet Billig told him the show would be remembered as “a career-defining moment.”Įveryone in attendance felt they’d witnessed something special that night, and the wider public was equally convinced when the full MTV Unplugged In New York set was released just seven months after Cobain’s death in April 1994. Spine-chilling and otherworldly, it was an absolutely riveting spectacle to behold and provided the perfect full stop to one of rock’s most transcendent live albums.ĭespite generous applause and exhilaration among his bandmates, Cobain allegedly remained underwhelmed by his performance. Kurt Cobain, however, saved the performance’s most jaw-dropping moment for the final encore, for which he chose the traditional folk tune “Where Did You Sleep Last Night?” With Nirvana following Lead Belly’s arrangement of the song, Cobain performed it with his eyes closed his voice cracking from sheer emotion during the final chorus. MTV might have bemoaned the omission of “Smells Like Teen Spirit” and “Lithium,” but a compelling “Come As You Are” more than made up for it, while the sparse, acoustic setting merely enhanced the subtleties inherent in the band’s more reflective In Utero material such as “Dumb” and “All Apologies.”Įlsewhere, the setlist found the Seattle stars revisiting their triumphant Nevermind album with choice versions of “Polly,” “On A Plain” and an ominous “Something In The Way.” Arriving midway through the set, this mighty triumvirate was presaged by resonant covers of Scottish indie outfit The Vaselines’ “Jesus Doesn’t Want Me For A Sunbeam” and David Bowie’s “The Man Who Sold The World,” and succeeded by The Meat Puppets’ guest slot, with Nirvana accompanying the Arizona band’s Cris and Curt Kirkwood on quirky renditions of three tracks from their psych-infused Meat Puppets II.Ĭlick to load video “A career-defining moment” Cobain may have requested a funereal stage set decorated with stargazer lilies, black candles, and a crystal chandelier, but his performance was never less than life-affirming.Ĭlick to load video “They hint at where Nirvana could have gone next”Īugmented by touring alumni Pat Smear (guitar) and Lori Goldston (cello), Nirvana eased into a consummate version of Bleach stand-out “About A Girl” and never looked back. However, all the tensions were swept away when Nirvana hit the MTV stage for real on November 18, 1993, filming a performance that would be broadcast a month later, on December 16. “Therefore, everyone was more than a little concerned about the performance.” “There was no joking, no smiles, no fun coming from him,” MTV production manager Jeff Mason recalled in Charles R Cross’ biography, Heavier Than Heaven. MTV was concerned about the lack of hit songs Nirvana proposed to play in their set, while Cobain – who was wracked with nerves and suffering from a recurring stomach complaint – appeared less than enamored during two days of tense, pre-show rehearsals at New York’s Sony Music Studios. Nirvana finally acquiesced when MTV agreed to them bringing their In Utero touring partners, Arizona alt-rockers The Meat Puppets, along to appear as their special guests. However, the band began to warm to the idea when they recalled that one of their favorite albums – Screaming Trees’ frontman Mark Lanegan’s debut solo album, The Winding Sheet – made a virtue of a similarly intimate approach. Kurt Cobain and his team also had reservations over how well their visceral rock’n’roll would translate in such a stripped-back, low-watt setting. “Most bands would treat them like rock shows – play their hits like it was Madison Square Garden – except with acoustic guitars!” “We’d seen other Unplugged shows and didn’t like many of them,” drummer Dave Grohl later told Rolling Stone. Initially, the Seattle grungestars were in two minds over whether they should even accept their invitation to appear on MTV Unplugged, not least because they felt the program’s format simply wasn’t for them. “We’d seen other Unplugged shows and didn’t like them” ![]() ![]() ![]() To counteract some of the headwinds, the company is remixing its balance sheet, one part of an enterprisewide effort to cut costs, improve efficiency, build capital and simplify its operations. The most recent adjusted revenue guide reflects lower net interest income as a result of higher deposit betas, slower loan growth and lower investment banking fees, Maguire said on the July earnings call. In January, management forecast revenue growth of 9% for 2023. And that wasn't the first, or second, change in Truist's revenue outlook. In July, management called for 1% to 2% growth versus the 3% growth that it had projected in May. Projected revenue growth for 2023 keeps shrinking. The company, now based in Charlotte, North Carolina, said the uptick from 2022 was partly the result of higher personnel expenses, including an increase in Truist's minimum wage that took effect last year, and higher regulatory costs.Įxpenses aren't the only issue that's agitating Truist investors. But instead of declining, expenses have been going up.ĭuring the second quarter, noninterest expenses totaled $3.75 billion, up 1.5% from the first quarter and 4.7% year over year. The deal - which combined the $225 billion-asset BB&T in Winston-Salem, North Carolina, and the $216 billion-asset SunTrust in Atlanta - was supposed to produce annual cost savings of $1.6 billion by the end of 2022. It remains the largest "merger of equals" in recent banking history. and SunTrust Banks created the $565.8 billion-asset juggernaut known as Truist. "They need to start getting expenses under control, and if they don't have the right people in place, they need to get the right people," he said. That's the highest projected annual uptick in spending among the large banks, and it's happening at a time when Truist was supposed to start realizing the full cost-savings benefits of the merger, Mayo said. The frustration is largely due to the projected increase in Truist's expenses, which are now forecast to rise 7% year over year. Investors are at "a boiling point" after the company's most recent earnings call, said Mike Mayo, an analyst at Wells Fargo Securities. ![]() Hover your cursor over an asset to preview it.The TechSmith Assets for Camtasia website opens.In TechSmith Camtasia, click the Downloads button > Download more assets.Find the perfect royalty-free sound effect to accompany action on the screen for emphasis or storytelling.Īutomatically import downloaded assets into your Downloads library for quick use in a video project. Sound Effects: Emphasize important content in your video with sound effects. ![]() Explore royalty-free instrumental or vocal audio tracks in various moods, styles, and genres.
![]() Preparing for work in different professions in the audio or music industry Meeting like-minded people in your classes Learning important skills and concepts related to the audio industry Here's a list of additional benefits that come with earning this degree: Some benefits of earning a sound and music technology degree include learning how to operate and maintain various sound equipment and working with industry professionals. Read more: What Is a Music Manager? Definition and How To Become One What are the benefits of earning a degree in sound and music technology? This specialization places heavy emphasis on artist and business management principles such as finance, marketing and promotion, publishing and intellectual property. Students who pursue this specialization typically want to be managers for artists, venues, music stores or studios and record labels. Read more: How To Become a Sound Engineer Audio and music business management Coursework for this specialization may include:įundamentals of studio recording techniques This specialization typically focuses on recording technologies or methods and the installation and operation of sound equipment. Read more: Everything You Need To Know for How To Become a Music Producer Sound technologyĪ sound technology specialization usually prepares students for roles such as audiovisual technicians, sound designers, systems engineers and post-production engineers. Here's a list of additional coursework specific to the music production specialization: Coursework for this specialization may include music history, business and marketing, ear training, copyright law and basic recording and production equipment use. Here's a list of some additional specializations in this degree and brief explanations of what they may include: Music productionĪ music production specialization may prepare students to become music producers, sound recording engineers, mastering engineers and other production professionals. This degree typically includes different specializations, such as audio or music business management and sound production. What is a sound and music technology degree?Ī sound and music technology degree is a credential that teaches students how to use various audio equipment, gain knowledge of the audio industry and start a career in production, management or performing. In this article, we answer some common FAQs about what you can do with a degree in sound and music technology and provide tips for completing this degree. If you have technical, creative and musical skills, you may consider learning more about this degree. Professionals in this industry also typically enjoy numerous job opportunities due to the transferrable skills they learned in their degree programs. Sound and music technology roles play an important part in the general function and success of musical artists, live productions and even film and television. |
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