If you never use the line or any portion of the growth in that line, you never accrue any interest on it. You do not accrue interest owed on the line you do not use. This is important to note that the growth in the line is not interest you are earning but rather an increase in the available funds. The amortization schedule summarizes how the interest may accrue, any available credit line, and remaining home equity year-by-year throughout the loan.Īnd on the line of credit, as long as money is left unborrowed, that line of credit grows, giving the borrower more money available at the same rate as the interest being charged plus the MIP accrual rate. Unlike a traditional loan, a reverse mortgage is a negatively amortizing loan-meaning the loan balance will grow as time passes, assuming the borrowers choose to make no early payments. On the other hand, the line of credit amortization schedule is subject to change because reverse mortgage rates can change the borrower can always draw additional funds as long as they are available and can make repayments if they so choose, even though they are not required to do so for as long as they live in the home and pay their property charges in a timely manner. In most cases, term payments are significantly higher than tenure payments, because the lender does not know how long you'll be in the house, and must therefore be conservative with your loan amount.HOW INTEREST RATES AFFECT AMORTIZATION SCHEDULES Matt and Cindy have two monthly payment options - "tenure" payments for life or "term" payments for a specific time period - in their case, the ten years in which they expect to occupy the home. They're 73 and 70 and expect to live in their home 10 more years. Their Social Security income is only about $3,000 a month, and some extra income would really improve their lifestyle. Their home, which they own free and clear, is worth $400,000. Matt and Cindy are house-rich and cash-poor. Now let's look at a situation where the homeowners are house-rich and cash-poor.ĮXAMPLE WHERE THE REVERSE MORTGAGE DECISION IS BASED ON REMAINING TIME IN HOME ** If unused, HECM credit lines grow at the loan's variable interest rate. *Elimore's property may be worth $300,000, but it's subject to a $80,000 loan. ![]() Unused, the line of credit will grow over time.
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![]() Reserve your very own hotel suite with a private outdoor hot tub today and click the button below. Click here to explore some of the amazing spa treatments that we have to offer. Or, treat yourself to a rejuvinating spa day at the Escape Spa. ![]() We also cater for a variety of dietary needs. Our menus include a range of dishes created with fresh and seasonal ingredients mainly sourced from local suppliers. This restaurant offers a quiet and relaxing atmosphere for guests to enjoy their meal and company. Why not make your Kilkenny hotel break extra special and enjoy luxury dining at Gullivers Restaurant. Our guests have access to 24 hour room service to make sure they have the best experience possible during their stay. These rooms are suitable for 2 adults only and are located on our adult only floor. This stunning hot tub suite also includes complimentary use of a nespresso coffee machine, air conditioning, bathrobes, slippers and a surprise treat from us to you. On arrival you'll be welcomed with some treats in your room to make your stay extra special.ĭesigned with the luxury and comfort of our guests in mind, relax and unwind in our luxurious hotel suite with a four poster king sized bed with crisp linen bedding, spacious en-suite boasting luxurious Molton Brown toiletries & fluffy towels. All rooms in the hotel are accessible by elevator. You can take advantage of free parking if you drive. High Street, Moreton in Marsh, Gloucestershire/The Cotswolds GL56 0LJ. This hotel suite with hot tub is perfect for celebrating special occasions such as anniversaries, birthdays, a romantic getaway and more. The Mammoth Hot Springs Hotel and Cabins offers a warm welcome to summer and winter. Guests of Courtyard by Marriott Detroit Livonia have access to an indoor pool, a 24-hour gym, and free WiFi in public areas. Hotels with Hot Tubs, Jacuzzis or Spa Baths Manor House Hotel, Moreton-in-Marsh. Enjoy some of the stunning views of the hotel garden from your private hot tub. Jurassic Newpark with Adventure Trail & Animal Farmįor your utmost comfort and luxury, our Balcony Hot Tub Suites at the 4 Star Newpark Hotel Kilkenny offer you the unique experience of your own private hot tub on our furnished balconies. We advise that if only DBS is considered, the O-arm application might be more suitable. on behalf of American Association of Physicists in Medicine. Conclusion: This is the first study reporting on CT-Airo application in DBS. Journal of Applied Clinical Medical Physics published by Wiley Periodicals, Inc. © 2018 Orlando Health UF Health Cancer Center. Comparison of the stoichiometric-based AIRO SPR curve and the "dose-adjusted" SPR curve showed slight improvement on gamma analysis between the treatment plan and the AIRO plan for single-field plans at the 1%, 1 mm level, but did not affect clinical plans indicating that HU number differences between the CT Sim and AIRO did not affect dose calculations for robust clinical beam arrangements.īased on this study, we believe the AIRO can be used offline for adaptive proton therapy on a compact double scattering proton therapy system.Īdaptive proton therapy adaptive re-planning hounsfield unit mobile CT stopping power ratios. To create equivalent dose distributions on both data sets, the AIRO SPR curve's low-density data points were iteratively adjusted to yield better proton beam range agreement based on isodose lines. Dose calculated on AIRO CT scans with stoichiometric-based SPR curves produced over-ranged proton beams when large volumes of low-density material were in the path of the beam. Low-density materials demonstrated largest differences. Gamma analysis was used to evaluate dosimetric deviation between both plans.ĪIRO CT values skewed toward solid water when plugs were scanned surrounded by other plugs in phantom. Clinically realistic treatment plans and nonclinical plans were generated on the CT Sim images and subsequently copied onto the AIRO CT scans for dose recalculation and comparison for various AIRO SPR curves. DoseLAB software v.6.6 was utilized for image quality analysis. A RANDO anthropomorphic thorax, pelvis, and head phantom, and a CIRS thorax and head phantom were scanned on the CT Sim and AIRO. Methods Five CT images of a Catphan ® 504 phantom were acquired on the AIRO Mobile CT System, Varian EDGE radiosurgery system cone beam CT (CBCT), Philips Brilliance Big Bore 16 slice CT simulator, and Siemens SOMATOM Definition AS 20 slice CT simulator. We are digitizing all of our user guides to make accessing and locating important product information faster and easier. AIRO-specific CT-stopping power ratio (SPR) curves were created with a commonly used stoichiometric method using the Gammex phantom. To describe the commissioning of AIRO mobile CT system (AIRO) for adaptive proton therapy on a compact double scattering proton therapy system.Ī Gammex phantom was scanned with varying plug patterns, table heights, and mAs on a CT simulator (CT Sim) and on the AIRO. Lambda Sigma Upsilon Latino Fraternity, Inc. Alpha Sigma Phi Fraternity and Foundation commonly abbreviated to Alpha.La Unidad Latina, Lambda Upsilon Lambda Fraternity, Inc.More information on each group can be found in the Campus Community Connection. About Center for Student Involvement (CSI) Fraternity & Sorority Life Chapters With 50 chapters to choose from, our fraternities and sororities allow a place where students can grow and develop. The Sigma Delta Chapter at Elon University was chartered September 29, 1991. Syracuse University Office of Fraternity and Sorority Affairs (FASA) This page was last edited on 5 April 2023, at 17. Phi Mu Alpha Sinfonia Sigma Alpha Iota Kappa Kappa Psi Tau Beta Sigma References. SiggyDAlphas Nonprofit organization Contact us More Home About Events Photos About See all Elon University Elon, NC Alpha Phi Alpha Fraternity, Inc. Sigma Psi Zeta (2018) alpha Kappa Delta Phi (2019) Music fraternities. For more information about individual organizations, please select the links below.All Arts, Sciences and Engineering (AS&E) fraternities and sororities are listed below. Sigma Delta Chapter of Alpha Phi Alpha Fraternity, Inc. ![]() The University of Alabama is home to 66 fraternities and sororities. Check out this hilarious party promo from Mizzou for Clash of the Pyramids between Alpha Phi Alpha Fraternity, Inc.’s Zeta Alpha chapter and Delta Sigma Theta Sorority, Inc. Students and/or inter/national organizations interested in bringing a fraternity or sorority to The University of Alabama, should contact Kathleen Duffy. Alpha Phi Alpha Phi Alpha Fraternity, Inc. 1 As of 2023, Alpha Phi Alpha has chartered 979 chapters 686 chapters are active in the United States and the Bahamas, Bermuda, Canada, Germany, Korea, and the Virgin Islands. ![]() For more information about recognition, please refer to the University’s Standards for Social Fraternities and Sororities. Alpha Phi Alpha is an international fraternity established at Cornell University in 1906 as the first intercollegiate fraternity for African American men. ![]() Citywide or metropolitan chapters will not be recognized. Furthermore, all organizations must be chartered at The University of Alabama and membership must be exclusive to full-time University of Alabama students. Generally, to be recognized, a fraternity or sorority must be an affiliated, registered student organization with the Office of Student Involvement, and be in good standing with the University as well as one of the four Greek governing councils (Alabama Panhellenic Association (APA), Interfraternity Council (IFC), National Pan-Hellenic Council (NPHC) and the United Greek Council (UGC)). Alpha Sigma Phi Fraternity- Delta Upsilon Chapter Delta Sigma Theta Sorority, Inc.- Mu Alpha Chapter Sigma Gamma Rho Sorority, Inc. The recognition of fraternities and sororities is, at all times, solely at the discretion of The University of Alabama.
![]() The trick to accurately draw body proportions is to first map out the sections of the body without posing it yet. ![]() You can also check out Model Mayhem to get some ideas on how to look better in photos.I want to share with you the one easy trick I do to get the (female) body proportions right, every single time. Remember: actors and models practice posing in front of the mirror all the time, even if they don’t admit it on social media! When you’re enjoying what you’re doing, you’ll automatically communicate it with your body language. This will also show a slender neck and body and make you look more graceful. This will elongate your neck and make you look more elegant in photos. Keep the shoulders away from the ears.When you’re not smiling, don’t close your mouth completely as that puts tension in the face muscles. If you look slightly upwards, it still looks like you’re making eye contact, but your eyes will look bigger. Here are some techniques to make your smile look natural. A frozen smile can completely ruin a picture. Just because something looks great in real life doesn’t automatically mean it photographs well. We all have a feature that we like best and an angle that looks best on camera – understand your body type. Models don’t wake up one day knowing how to pose – it takes practice. Here are some tips to look better in natural and fun portraits. Some people appear to be naturally more photogenic, but everybody can become more photogenic. How can I be more photogenic?Ī photogenic person is someone who looks good in pictures. Most good portrait photographers should be able to guide you in how to look great in a portrait photo, including some photography poses that work best for your body shape and what you’re trying to portray. ![]() Don’t lock the joints to look more natural. To slim your body and avoid a double-chin, lean forward. Don’t forget about the lower half of your body. The best way to pose your hands is by doing something with them. Whether it’s by tilting your head or bending your leg – introduce angles to add flow. Decide how you want your hair and accommodate it. You can use a mirror or your phone to practice and learn what looks best on you. Here are some tips for mastering your portrait photography poses: So, learning different poses for your next photoshoot is key to your success. On the other hand, if you do want to become a model, you’ll have more time to practice and become a natural – but you still have to start somewhere and build a good portfolio. If you hire a portrait photographer for your senior photo shoot or a maternity session, you still want to look good – even if you don’t want to build a career out of it! Posing for portrait photos can be tricky whether you’re a model or not. Having said this, I hope you enjoyed the classic portrait photography poses in this guide that you can use as a starting point in your next photoshoot. If you see the pose is not working or is making your model look and feel awkward, just don’t do it. This will help a lot when it comes to directing the poses.įinally, remember that even if something is perfect in theory, it might not work in practice. When you choose a pose, keep in mind who your subject is and what type of photoshoot you’re doing.Īlso, build a rapport with the model. When you browse through the photography poses suggested in this article, take them as a guideline, not as a shot list. Then there are poses for boudoir, fashion models, maternity, and even poses for when you take a portrait selfie! Some poses work better for women, others for men, other for children, others for groups. Secondly, the portrait photography poses you choose will depend a lot upon your subject: not all poses are appropriate for everyone all the time. Not only will it make the model look good or bad, but it will also communicate different things to the viewer. ![]() I used this example because I wanted to talk about two things. Separately, they are both perfectly good portrait photography poses, but they didn’t work together – and they certainly weren’t appropriate for the situation. It seemed as if he was angry about her pregnancy and they looked completely detached. The photographer had the future father in a 45-degree angle towards the camera with his arms crossed and her standing next to him sideways, looking away with her hands around the belly. I recently saw a post of a person who complained about their maternity photo session – one picture, in particular, bothered her. ![]() They can be finished smooth, broom finished, or even colored & stamped.Īpplication is done with a trowel, squeegee, or a gauge rake & smoother. Overlays can be applied from feather edge up to 1 inch thick in some cases. Get in touch with a Project Leader today to learn more about how a Surface Overlay could transform your space.A concrete overlay can give your old, worn, or damaged concrete a brand new look. Next StepsĬoncrete Overlays are a versatile option if you want a polished concrete floor in a space where the existing slab is not in a desirable condition. opted to refinish the century-old terrazzo at their space at The Landing. Terrazzo is designed to be durable and refreshed for decades. This century-old terrazzo was refreshed at Epoch Architecture.Īdditionally, older terrazzo floors can be refinished with our StrongTread Polish system. Schools, airports, waiting rooms, and other busy spaces are ideal for terrazzo. It’s strong enough to withstand heavier traffic, making it a great choice in spaces that see hundreds to thousands of people a day. Various sizes of marble chips, stones, or glass can be mixed into an epoxy matrix to make unlimited color combinations and create one of a kind patterns and floors that can be a focal point or an accent. Surface Terrazzo is an epoxy terrazzo system. Surface Terrazzoįew flooring options are as engaging as terrazzo. Best One Tire + Service has a high traffic waiting room that was renewed with a Surface Smooth floor. This surface is best in retail and residential settings. Surface Smooth is finished with SealCraft Clear+ for durability. Its natural shade can offer a space a modern, industrial feel. ![]() It readily takes color options, which lets it easily complete a space. This is a highly versatile system that can create impressive verticle focal points in addition to smooth floors. Surface SmoothĪ soft, rich cream finish gives Surface Smooth a similar look and feel to brand new concrete. ![]() This Surface Polish floor in the Dancer home was built to withstand even the most rigorous play. It’s a strong system for foot traffic, making it a good option for corridors and schools, as well as retail and residential settings. This overlay can have a matte finish or be polished to a mirror-like super-sheen. Surface Polish is finished like StrongTread Polish, it is saturated with densifier and stain guard to create a sustainable, long-lasting floor. It can be left in its natural shade or colored to better suit a space. ![]() When finished, Surface Polish resembles light aggregate- Class B-exposure. All of our overlays can be installed on existing slabs or brand new slabs. Which system we recommend depends on the needs and expectations of our clients for their spaces. Each has different benefits and applications. We have three offerings: Polish, Smooth, and Terrazzo. Surface by DCD is our family of overlay systems. They provide a strong, durable solution in spaces where polished concrete is desired but the existing concrete floor is not in a desirable condition for polishing. The nature of a floor overlay allows for a full refresh of a space without the hassle of needing to rip out and replace an existing surface. Surface-Concrete Overlays by Dancer Concrete Design An Overlay is applied on top of existing concrete in any condition. The new, even surface can be completed to suit your needs. An overlay product is poured on top of an existing slab, creating a fresh canvas for the space. The Surface Polish completes this midcentury modern eat-in kitchen.Ī floor overlay gives the space the look of a continuous, polished concrete floor. A Floor Overlay is the best solution in cases like these. Maybe a vibrant terrazzo floor is the key design element that will complete the space. There could be trench cuts visible when a smooth, continuous surface is what’s needed. It could be two different pours, separated by decades. Sometimes, you want the look of a polished concrete floor but the existing surface isn’t what you want to polish. I assume it has to be somewhere inside her stomach but if she left it in there for a little bit would the acids just rip away at the balloon? If only Mr Wizard or Bill Nye or even those inquisitive Mythbusters spent more time on the science of deep throating like we’ve all demanded for decades, some of us in letters made up of cut up pieces of newspapers, we’d have a much more concrete answer. Now I’m no biology expert (though I do remember vividly when my very Jewish Biology teacher told me as a ninth grader to “stop kitzeling around” and I had no clue what it meant but everyone else in the class did because it’s some Yiddish thing…pretty much that and mitochondria are all I retained) but I’m definitely curious to see where that balloon goes when it gets down into her throat. Guy enjoying great deepthroat blowjob from girlfriend on cam show - find more on. It was so fucking hot to deep throat her while her hands were restrained behind her back it was like she was just powerless to my dick. COM no gag deepthroat Search, free sex videos. This was also def the kinkiest shit weve done. You kinda gotta think that Pippa Middleton set the stage here. Pick a phallic shaped object, starting with something small like a toothbrush or your finger, and slowly move the object toward the back of your throat. The other day my girlfriend got down into just a sexy thong and put hand cuffs behind her back and let me face fuck her. swallowed southern belle dixie lynn gags on a huge cock alex jones dixie lynn dixie belle 13 min pornhub. ![]() THROATPIE COMPILATION 26 - Best Sloppy 69 Deepthroat Blowjob Swallow Videos. You can give blow jobs on set while your dad is farting his ass off in shitty hotels. No Gag Deepthroat Porn Videos: WATCH FREE here. But I’ve gotten to where I am in this world on one thing and that’s trusting the claims of people with giant balloons shoved down their tracheas. Back in the olden days, giving a blow jibber in a car on the remake of 90210 would probably be disqualifying to be a member of the Royal Family. Behind the Green Door Perhaps the first psychedelic porn movie, 1972’s Behind the Green Door was the first feature-length adult film from the infamous Mitchell Brothers, and helped to usher in. To do this, just repeatedly swallow the toy in and out and practice the breathing as you go. ![]() Not only were their characters best friends, but in this clip, we see how genuine their chemistry is between takes. ![]() I have no way of verifying the claims of this gal known as Twothornedrose are legit since a Google search for “deep throat world record” seems less than credible and distracting at best. Donald Glover and Danny Pudi seem to have had a blast on the set of Community. It, she said, retained the candid and personal qualities of Ctrl. SZA alluded to possibly releasing her second album as early as August 2019, during an interview with DJ Kerwin Frost. Critics credit it with establishing her status as a major figure in contemporary pop and R&B music and pushing the boundaries of the R&B genre. ![]() The album brought SZA to mainstream fame. Primarily an R&B album that deals with themes like heartbreak, Ctrl received widespread acclaim for SZA's vocals and the eclectic musical style, as well as the relatability, emotional impact, and confessional nature of its songwriting. SZA released her debut studio album, Ctrl, in 2017. SZA performing in Ctrl the Tour (2017–2018) SZA had a spiked meteor hammer in hand that she swung across the stage, a callback to a fight scene in Volume 1. On the SOS Tour, where she first performed "Kill Bill" live, she recreated various visual elements from the music video, including the costume. SZA confronts her ex-boyfriend at the end and tears his heart out (but a special outro, set to another song, shows her bound with rope). Fox, one of the actresses who starred in the duology, in a supporting role. Directed by Christian Breslauer, it reimagines several scenes from the Kill Bill films, with SZA as her version of the Bride and Vivica A. On US Hot R&B/Hip-Hop Songs, "Kill Bill" broke the record set by " Old Town Road" (2019) for the chart's longest-running number one, with 21 weeks.Ī music video for the song premiered the same day as its single release. It tied with three other songs for the second-most weeks at number two before reaching the top. Boosted by a remix featuring American rapper Doja Cat three months later, the solo version of "Kill Bill" topped the US Billboard Hot 100, her first single to do so, after eight weeks at number two. On January 10, 2023, RCA Records sent the song to US radio as the fifth single from SOS, attributing the decision to its streaming numbers. It gave SZA her first number one on the Billboard Global 200. ![]() They found her murder fantasies extreme but relatable to a degree, due to its underlying sentiments of doing whatever it takes for love.Īchieving success on streaming services, "Kill Bill" went number one in seven territories worldwide and reached the top 10 in eight more. The song's candid exploration of SZA's unfiltered, violent emotions were a point of praise for critics. Influenced by the boom bap subgenre of hip hop, it is backed by guitars, a bassline, and a flute sampled from a Prophet-6 synthesizer. "Kill Bill" is an R&B song built around a midtempo, groovy rhythm and a detuned melody. Mirroring the films' plot, the song's lyrics discuss SZA's fantasy to kill an ex-boyfriend and his new girlfriend out of jealousy. The song gets its title from Kill Bill (2003–2004), a martial arts film duology that focuses on an assassin named the Bride and her quest to exact revenge on her ex-boyfriend through murder. " Kill Bill" is a song by American singer-songwriter SZA from her second studio album, SOS (2022). ![]() Theory - Main and personal theories about the nature of the mandela effect. ![]() ![]() From there, you'll be presented with one or more presets to choose from. You'll see a 'flair' link underneath any post you make. From there, you'll be presented with presets to choose from. Please tag/flair your posts to help keep the subreddit organized. We encourage refraining from downvoting and to bring the good content up through upvotes. Please don't go claiming all MEs are a misconception, this is where the balance needs to be drawn. We do realize that not everything is an ME and encourage objectivity by considering explanations why the memory may have formed or the reason(s) as to why an ME is simply a misconception. This way we can perhaps generate a discussion about it rather than seeing it as yet another video spam post. This may mean less promotion and more contribution.įor example, to try to make the post more engaging, feel free write a quick comment as to how the video relates to you or what prompted you to post it. If you're posting a video from your own channel, please don't spam the subreddit but rather interact with it. Please don't use caps lock in your titles. The title should clearly convey what the video is about. To improve the quality of posts on this subreddit, we ask that if you submit a YouTube video, to please think of a creative title. This is to allow better focused discussions on different theories since this subreddit is dedicated for people who believe something is going on beyond false memories. Please tag/flair it as Skeptic Discussion. Skepticism of the phenomenon itself existing beyond false memory is allowed but only within your own separate self-post. Calling someone crazy, similar insults or claiming someone's memories are false will not be tolerated. We appreciate all of the participation and look forward to all of the contributions yet to come as we unravel the mysteries of the Mandela Effect. r/Mandela_Effect recognizes that there are possible connections to other forms of science, parallel realities, simulation, enlightenment, cases of manifestation, and other general "glitches" experienced. The name of the effect refers to people remembering Nelson Mandela's tragic death in prison in the 1980s, when he actually survived long after his release. The Mandela Effect is a phenomenon in which the minority of the public will retain memories of past events that have been altered from the majority and the majority will have no memory or history of the alteration despite evidence in the form of video, print, merchandise (etc) existing that support the minority's claim. You can use these new keyboards with older Macs that have Intel processors, but you’ll really only be able to use them as basic QWERTY keyboards for typing, as most of the new features – including the Touch ID sensor that sits in the top row of Function keys – won’t work on Intel Macs. That’s a bit of a mouthful, but Apple is making it abundantly clear that the new keyboards are specifically designed for the latest Mac models that have Apple’s home-grown M1 processors. Note there are Space Gray versions that cost more ($199/£199) so make sure you select the white models if you want to save money. For starters, these new models are officially referred to by Apple as (1) the Magic Keyboard With Touch ID For Mac Models With Apple Silicon ( $149/ £149), and (2) the Magic Keyboard with Touch ID and Numeric Keypad for Mac Models with Apple Silicon ( $179/ £179). However, these newer models bring a number of new features that aren’t available on the older Magic keyboards. There’s also a larger version, simply called the MX Keys, which has a separate numeric keypad as well – and this has recently been on sale at the same price as the MX Keys Mini, although it’s not clear if that price cut will turn out to be permanent.Īt first glance, the two Magic Keyboard models launched by Apple in mid-2021 look very similar to the original models – which are still available and reviewed here as well. Logitech’s Options app also allows you to program the Function keys to perform different tasks, such as opening Mail or Safari. The top row of Function keys works automatically with the Mac, allowing you to adjust the backlight, volume and other controls. However, turning the backlight off extends that time to a full five months – far longer than the single month provided by Apple’s Magic Keyboard. The backlight does drain the keyboard’s rechargeable battery, lasting only 10 days if you have the backlight on full brightness the whole time. The keyboard has a backlight too, with a sensor that automatically activates the backlight as your hands approach the keyboard, and then turn it off after a few seconds when you move away. Available in a variety of colours, it’s heavier and sturdier than the Magic Keyboard, with firmer keys that feel more responsive when typing. The basic design of the MX Keys Mini is impressive. And, to be honest, Logitech’s years of experience with mice and keyboards really give it the edge. The latest model in the range is the new MX Keys Mini ( $99.99/ £99.99) and has a compact, low-profile design that clearly pitches it as an alternative to Apple’s own Magic Keyboard. Logitech’s Craft and Ergo K860 keyboards are both designed for specific types of users, but if you’re just looking for a good general-purpose keyboard then its MX Keys range is hard to beat. |