![]() It typically ranges from 0.58% to 1.86% of your total mortgage amount and you will need to factor this in if your down payment is less than 20%. Also known as private mortgage insurance-or PMI-this protects the lender in case you default on your mortgage. Otherwise, contact your local insurance agent to get a quote. If you’re considering a home, ask the real estate agent if they have any information about current insurance costs. Homeowners insurance is required to protect you and your lender in the case of damage to your home. This number can usually be viewed on your recorder or assessor’s website-wherever you access property cards and other real estate records. Property taxes. Property taxes are imposed by your local tax authority.Your interest rate is expressed as a percentage and may be fixed or variable. This is essentially what the lender is charging you to borrow the money. A portion of each payment will go toward paying this off, so the number will go down as you make monthly payments. Principal is the amount of money you borrowed on the mortgage. Here’s what to look for when reviewing your mortgage costs and fees: It also can be difficult to understand what you’re paying for-and why. If this is your first time shopping for a mortgage, the terminology can be intimidating. ![]() These calculators are free and available online, allowing you to experiment with different scenarios and variables whenever you please. See what your mortgage payment may look like with homeowners insurance, taxes, private mortgage insurance and/or HOA fees.Compare payments on different loan types.Break down your monthly payments based on the estimated sale price, down payment and interest rate.Determine how much you’ll pay over the life of your loan.Why Should You Use a Mortgage Calculator?Ī mortgage calculator has many benefits, and you can use it to: To see the full breakdown, check out our mortgage payoff calculator. It helps homeowners and would-be homeowners see what paying more money would mean for their monthly budget and their overall wealth profile. The formula behind paying down a mortgage is complex, but it can be handy. How To Break Down the Mortgage Payment Formula You can also toggle between the annual and monthly view to see a breakdown of each monthly payment. Navigate to the amortization schedule tab to view how much of your annual payments will go toward interest and principal. This portion of the calculator lets you view your monthly payments as well as your estimated payoff month. Once you enter all of the relevant information on the left side of the screen, the calculator will auto-populate your payment breakdown on the right. If you don’t have these numbers in front of you, some information may be available through your real estate agent or your local property assessor’s website. If you have the information available, plug in your monthly property tax, private mortgage insurance (PMI), homeowners insurance and HOA fees. This portion of the calculator is optional, but it can help give you a more accurate picture of your potential monthly payments. Add in taxes, insurance and homeowners association (HOA) fees.If, instead, you want a balance between low monthly payments and a shorter term, you can use this portion of the calculator to compare your options. For example, if you choose a 15-year term, use the average rate for a 15-year mortgage. If you haven’t been approved for a loan term and interest rate, the rate you select here should correspond with the average rate you entered above. To help calculate your monthly mortgage payment, enter a loan term up to a maximum of 30 years. If you haven’t prequalified for an interest rate yet, you can enter the current average mortgage rate as a starting point. ![]() If you’ve already shopped around for a loan and have been offered a range of interest rates, enter one of those values into the interest rate box on the left. Next, add the down payment you expect to make as either a percentage of the purchase price or as a specific amount. And if you’re considering making an offer on a home, this calculator can help you determine how much you can afford to offer. ![]() If you don’t have a specific house in mind, you can experiment with this number to see how much house you can afford. Start by adding the total purchase price for the home you’re seeking to buy on the left side of the screen. Whether you’re shopping around for a mortgage or want to build an amortization table for your current loan, a mortgage calculator can offer insights into your monthly payments.įollow these steps to use the Forbes Advisor mortgage calculator:
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![]() Planted in May 2012, the vines won’t be mature enough to produce wine for a few years, so Stone Summit has begun sourcing grapes from the Napa Valley and Central Coast regions. At 6,750 feet above sea level, the winery claims to have the highest altitude commercial vineyard and winery in the northern hemisphere. Stone, who also owns the Wine Room at Wolf Creek Resort in Big Bear Lake, said he and Walker’s love of wine, the winemaking process and the Cucamonga Valley’s rich winemaking heritage was the motivator behind their efforts.īig Bear, the Southern California mountain destination known for its lake and ski resorts, now offers a new adult attraction: Stone Summit Vineyard. Over the years, the property deteriorated and the vineyard ultimately abandoned it, Walker said. A general store used to occupy the corner of the property closest the street, but was destroyed in a fire in 1966, Walker said. The vineyard dates back nearly 60 years, when George Johnston bought the ranch and planted the vineyard for his son, Clark, to manage. He said he expects to have the wine ready for bottling by spring and ready to pour by next summer. ![]() “We’ll be crushing and destemming them and getting them ready to pitch the yeast,” Walker said. The grapes will be crushed today at Stone’s winery. “We’re going to take three tons of grapes, which will make about 400 to 500 gallons of wine,” Walker said Friday. The grapes were transferred into six 1,000-pound square vats and later hauled to Big Bear Lake, where Walker and his counterpart, local contractor, entrepreneur and wine connoisseur David Stone will convert the grapes into a special edition wine at Stone’s Stone Summit Winery and Vineyards. On Friday, local winemaker George Walker and his crew seized the vineyard’s remaining harvest of zinfandel grapes, picking the sweet fruit from their vines throughout the day and loading them into 18-gallon blue buckets. RANCHO CUCAMONGA > For nearly 60 years, the Johnston Clark Vineyard helped fuel this city’s winemaking heritage, but the 4-acre site on the southwest corner of Etiwanda and Victoria avenues is about to be bulldozed to make way for a new housing development. Local winemakers seize vineyard’s final harvest ![]() The traditional treacle tart contains stale breadcrumbs, into which are soaked lashings of golden syrup. You can make yours with golden syrup, treacle, wholemeal or white breadcrumbs – but start by trying our simple recipe, below. But since its origination, Treacle Tart has been presented and interpreted by dozens of modern cooks – from Delia Smith to Heston Blumenthal, who sprinkles vanilla-infused salt grains over the top of his creamy, contemporary version. Mrs Beeton’s version contained just golden syrup, white breadcrumbs and lemon juice. Treacle Tart was, and still is, an ingenious way to use up breadcrumbs – a happily frugal dessert for British cooks. Try our simple recipe and find out what all the fuss is about! About Treacle Tart Originally invented as a way to use up loaf ends, Treacle Tart has become a firm favourite. And it’s inspired a range of recipes ever since. This British legend, a by-product of refining sugar-cane, dates back to the late 19th century. Serve with thick yogurt, ice cream or whipped cream.Golden syrup is associated with some of our favourite desserts – like treacle pudding and our traditional treacle tart. Remove the tart from the oven and allow to cool for 30 minutes. Bake first for 20 minutes at 160° fan, then reduce the oven temperature to 140° fan, continue baking the tart for 25 minutes more until the filling is just set with a slight wobble in the centre. Spoon the wet mixture into the baked tart shell. Gently stir in the breadcrumbs, without overmixing. ![]() When the butter has melted, remove the saucepan from the heat and stir in the lemon zest and juice, cream and eggs. Remove the beans and paper and set aside.Ĥ Once the pastry is baked blind, reduce the oven temperature to 160° fan.ĥ To make the filling, use a medium-sized saucepan to gently melt the golden syrup and butter together (keep the heat low). Place in the preheated oven for 20-25 minutes or until light golden in colour. To bake the pastry blind, line with parchment paper and fill with baking beans (or uncooked rice or lentils). Wrap in clingfilm and chill for 20 minutes.ģ Roll the pastry out on a lightly floured work surface and use to line the ovenproof dish. With a dinner knife, work in the egg yolk then bring together to a firm dough (add a little water if it appears very dry to help the mixture come together). Add the diced butter and rub into the flour with your fingertips until the mixture resembles fine breadcrumbs. ![]() With fresh breadcrumbs, the more stale and dry they are, the better the final result (to dry them, leave them out in a bowl in your kitchen uncovered for a day).Ģ To make the pastry, sieve the flour into a bowl. Now more widely available in some supermarkets, panko crumbs are very dry and soak up the filling perfectly, but if you can’t find them, fresh breadcrumbs will do just fine. They’d used Japanese panko breadcrumbs, and I finally had the missing piece of the puzzle. On a trip to New Brighton near Liverpool last year, I ordered treacle tart and it was perfect – deep, zingy, golden and crisp. I’ve been tweaking this recipe for years to get that perfect squidgy texture and crisp top. Over the years I’ve had treacle tarts ranging from a runny porridge-like texture to tooth-shatteringly hard. ![]() In years gone by, a mixture of golden syrup and the much darker, slightly bitter, black treacle was sometimes used for a deeper flavour and colour. Both are made with golden syrup, a very light form of treacle. I grew up eating treacle pudding more than treacle tart, but the crisp pastry in a tart adds an essential textural contrast to the soft filling. It isn’t stuffed full of superfood berries or crammed with nutritionally complex nuts and seeds, this isn’t “eating the rainbow”. If I had to define indulgent comfort food, I could do no better than to offer up a slice or three of treacle tart. ![]() Some carpet deodorizing products contain antibacterial and antimicrobial ingredients, which can be effective against odor-causing microorganisms in carpeting. FragranceĬarpet deodorizing products come in a host of fresh fragrance choices, from soft floral to mint and even eucalyptus, so you can choose the scent you like best. To get rid of that type of odor, you’ll have to use a liquid that absorbs beneath the top layer of carpeting and contains the ingredients needed to counteract the smell. For example, sprinkling powdered deodorizer over pet urine is unlikely to remove the problem since the urine has soaked the carpet pad and perhaps even the subflooring beneath. What to Consider When Choosing the Best Carpet Deodorizerįor the freshest, longest-lasting results, you might need to eradicate the underlying cause of the smell. The product’s instructions may suggest either brushing or mopping the foam into the carpet and then allowing it to dry completely before vacuuming away the residue. To apply a spray-foam shampoo, hold the canister upside down and spray the foam in even, sweeping layers. In the case that you’re using a carpet cleaning machine, you’ll add concentrated cleaning liquid to a water reservoir, and the machine will spray the liquid deep into the carpet and then suck the water back out through a wet-vacuuming process. Whether it’s applied with a carpet-cleaning machine or a spray-foam canister, carpet shampoo can help dislodge dirt and debris while neutralizing unpleasant odors. In the case of a spill or a pet accident, the product’s instructions might suggest saturating the spot with the spray and then lightly scrubbing or patting with a dry towel to help draw some of the offensive liquid and potential stain out of the carpet. Spray deodorizers most often clean and freshen small areas, rather than an entire room of carpeting. But, some options may need to be pre-treated with a carpet stain remover before applying or cleaning. Powdered carpet deodorizers are typically used to freshen an entire carpet rather than for spot treating. Many powdered carpet deodorizers contain baking soda, which helps absorb odors and leaves a fresh fragrance behind. Sprinkle the powder evenly over the carpet, let it remain for the time designated on the container, and then vacuum it up. Powderĭeodorizing the carpet with a powder product is the quickest way to freshen it up. Most carpet deodorizing products are safe for use on all carpets. Photo: Types of Carpet DeodorizerĬarpet deodorizers come in three main types: powder, spray, and shampoo, and each applies a little bit differently. ![]() BEST FOAM-IN DEODORIZER: Febreze Heavy Traffic Carpet Foam.BEST ENZYME DEODORIZER: Emmy’s Best Powerful Pet Odor Remover.MOST ECO-FRIENDLY: Bodhi Dog Natural Dog Odor Carpet Powder.BEST 2-STEP DEODORIZER: Capture Carpet Dry Cleaner.BEST FOR PET OWNERS: Arm & Hammer Pet Fresh Carpet Odor Eliminator.UPGRADE PICK: Glade Carpet and Room Refresher.BEST BANG FOR THE BUCK: Woolite Advanced Pet Stain & Odor Remover.BEST OVERALL: Carpet Fresh 280129 Super Pet Carpet Odor Eliminator. ![]() The best carpet deodorizer will eliminate disagreeable odors without damaging the carpet and will leave your room smelling fresh and clean. But they have one goal-to neutralize bad odors in the carpet fibers, so your room smells fresh again. To battle these odors, carpet deodorizers come in powders, foams, sprays, and concentrated liquids. Over time, the odors in carpets can make the whole room smell “off.” Carpeting is soft, absorbent, and subjected to frequent use by adults, children, and even pets, so it’s no wonder carpet becomes stained and odor-filled. ![]() It's part of the reason why older systems usually look like garbage when attached to a modern television. This type of technology is much worse when it comes to re-sizing lower-resolution signals. That flat panels that have become the norm are all fixed-resolution displays. And because of the nature of the technology, they were able to handle this re-sizing quite capably. No matter what resolution signal you fed into them, they would display it full-screen. CRTs were multiple-resolution technology. A big part of this whole discussion is the shift from CRT to fixed resolution displays as the primary means of displaying games. That's why it is useful when emulating that style to have a specific resolution to target that can be scaled effectively. But for games that rely on a specific resolution for their environmental structure, such flexibility is not possible. For some games, altering the resolution or aspect ratio is a minor consideration, and relative spacing for GUI and HUD elements can easily compensate. And the structure and layout of the rooms was a huge part of the content. ![]() (since levels and rooms often took up the entire screen) If you changed the resolution on a game like The Legend of Zelda, you would have to change the structure of the rooms to compensate. And that is far more important to screen resolution. But quite a few games relied on that 16x16 standard for level construction. And yes, some characters were made up of collections of multiple sprites. It is true that there were often some sprites that were 8x8, and even some that were 8x16, or 16x32. That grid-based focus for constructing levels and environment was a crucial part of the "style" from that era. 3? How many sprites wide is the playfield in Bomberman? Bubble Bobble? Gyromite? While quite a few classic games feature extensive scrolling, there are quite a few that rely on grids for their general structure. How many sprites wide is the screen in The Legend of Zelda? How many sprites wide is the standard map screen in Super Mario Bros. What does resizing matter as long as the dimensions of everything on screen stay proportional? Sounds stupid as heck. 16 x 16 was the standard sprite size for most retro games from that era. The basic rule is that your dimensions need to divide evenly into 16. For the 8 and 16 bit "styles" it's important to take sprite dimensions into account. This recommendation assumes a widescreen aspect ratio. This new recommendation allows for x3 and x5 scaling to both fit on those displays with minimal waste. The scaled versions wouldn't both fit on screen for a 720p display and a 1080p display. 384 x 208 (for fullscreen) 288 x 208 (for fullscreen stretched) My previous recommendation allowed for some overlap and cropping on the rendering. Speaking of sprite dimensions, I did a few more calculations and have a different recommendation. This is especially true of lower-resolution pixel games, which are often based on exact sprite dimensions. Some types of games don't lend themselves well to re-sizing. ![]() Also, giving greater control to the player over how the game is displayed can effect the design of the game. This isn't always feasible with the engine being used. It feels incredibly lazy when a game doesn't. There's really no excuse to not include some video options for how and if to stretch the image. ![]() The person who has the best shark tank idea gets to hand out 3 drinks. Also, no Darth Vader! We wont have anyone going to the dark side during your round of drunk jenga. If you do Elvis everyone is going to know. 18) ImpressionistĪct out an impression of someone at the party and let everyone guess who it is. Switch shirts with another player for one turn. The oldest person playing must take a drink. ![]() Draw A Face On Your Big Toe! 16) Old Man Jenkins! However, this jenga drinking game idea is easy to execute on and can be funny for the group depending on their sense of humor and how much they have had to drink that night. If you have a problem with feet, this may be a bit harder for you. So let’s not let the ladies have all the fun! 15) Draw a face on your big toe and make it tell a joke Ladies, it is time to take a drink! 14) Boys! (All boys playing must take a drink)Īll the men in the room must show they are not afraid of a little drinky drink. Take A Shot! 13) Girls! (All girls playing must take a drink) Which ever one you choose, the same result is going to happen. Vodka, tequila, gin, choose your weapn of choice. You better have something to wash down this shot or you are going to have to take some hard alcohol to the face. 11) Take a shot of the nearest hard liquor You can choose whichever accent you would like to attempt, but if you start losing it, you know your drunk jenga opponents are going to make you take a drink. This might be a bit extreme, but it can help any actors in the game practice one of the many accents they will need to perfect as they take on Hollywood. You can also share the picture with your other game players and they all can keep it to remember what an amazing time they had at so-and-so’s party. This doubles as a perfect way to capture this game and record just how sloppy everyone looked after playing a game or two of drunk jenga in Brenda’s kitchen. Whether you go for short and to the point or a bit more long-winded, you better get the party’s attention with this jenga challenge and go for it! People will not remember every aspect of the speech but if you can recite Bill Pullman’s speech from Independence Day people will remember!ĩ) Photographer (take a photo of everyone who is playing) Player must film a Tik Tok and post it to their account. But everyone will appreciate the effort as you take to the ground to attempt a gym class staple. This may be more difficult for the coordinated-deficient people playing the game. Double the turns, double the chances of making the tower crash to the ground. This drunk jenga idea makes you go again and take another block from the tower. You won’t get bonus points for getting down on one knee and chugging your entire drink, but it can’t hurt! 4) Go Again (Re do your turn) This one is pretty darn straight-forward. The person who grabs this jenga piece will have to make a run to the fridge and/or cooler to grab the other players a refill or snack to complete their turn. Just be careful that you don’t hurt yourself! You can also mix things up by randomly selecting their opponent. Unravel those sleeves, flex your muscles, and see who is the strongest in this classic arm competition. Either way, good luck and drink responsibly! What you will need to start playing (Materials)ģ1 Drunk Jenga Ideas For Blocks & Tiles 1) Arm Wrestle with another player Please keep in mind that this list is not exhaustive, but a good place to start if you are starting a jenga drinking game from scratch, or adding some new ideas to your current set. We put together this list of drunk jenga ideas to help you create the perfect game for your group. ![]() ![]() We may never know who was the first person to put pen to block and create this party activity, but we do know that this game will completely energize your party the next time you play it! What is drunk jenga?ĭrunk jenga is a jenga drinking game created to combine the fun of the classic tumble block party game with the old-fashioned competition of a drinking game. This list of drunk jenga ideas is designed to help you and your friends find the kinds of dares, challenges, wagers, jokes, and activities that will send your night to the next level.īut first…just so we are all on the same page. ![]() Bronze Ageĭoctor Doom starred with Namor the Sub-Mariner, and other characters, in Super-Villain Team Up, as well as a few graphic novels such as Emperor Doom and Triumph and Torment. Stan Lee often referred to Doctor Doom as "his favorite villain." Character Evolution Silver Ageĭoctor Doom fought the Fantastic Four many times in this era. The primary inspiration for Doctor Doom was Doc Savage's archenemy John Sunlight. Creationĭoctor Doom was created by Stan Lee and Jack Kirby and first appeared in Fantastic Four Vol.1 issue 5 (1962). Doom, using his intellect and inventions, turned Latveria into a thriving nation. ![]() Later, Rudolfo's younger brother Zorba would take over where his brother left off. Rudolfo would escape, lead a rebellion, and become a thorn in Doom's side for years until his death. Doom, he killed Baron Vladimir, imprisoned his son Rudolfo, and gained control over Latveria. Eager to wear the suit, Doom placed the still-hot steel faceplate to his face, making him even more scarred than before. Von Doom then asked them to make his first suit of armor. He practiced their ways enough for him to become their leader. Von Doom later went to Tibet and found an old order of monks. The machine then exploded, scarring his face, and led to his expulsion from the university. However, Von Doom's arrogance refused to let him listen. Richards attempted to warn Victor of an error in his calculations. One day, Victor designed an invention to rescue his mother, which would become his greatest downfall. In school, they were considered scholarly rivals. While attending this school, Victor met Reed Richards, who would later become his enemy, Mr. ![]() Victor excelled in science, developed several inventions, and was eventually given a scholarship to Empire State University. He made several unsuccessful attempts to free his mother's soul from Mephisto. With them, he was able to teach himself sorcery. Victor later discovered his mother's mystical books and artifacts. Victor was left with his father's best friend, Boris. Unable to do so, Werner fled with Victor and died soon afterward, trying to protect his son. Victor's father, Werner, was a doctor who was called upon by King Vladimir of Latveria to treat his wife. She left Victor with his father, asking him to protect him from Mephisto. Victor's mother, Cynthia, was killed soon after she called upon the demon Mephisto for power. Victor was the child of Gypsy travelers in Latveria, a small European country.
![]() Installing a cybernetic requires the cybernetic itself, an unoccupied body part slot that varies depending on the implant, and the appropriate license tier. ![]() Instead, they are found in the game world and installed into the player's body at becoming nooks. Useful for cooking builds if using the "Whenever you reflect damage." cooking trigger condition.Arcology-Specific Starting Cybernetics CyberneticĪ i r c u r r e n t m i c r o s e n s o rĬybernetics are not obtained through leveling up as mutations are.Makes the player immune to other creature’s quills.Provides moderate AV (as long as the player retains at least half of their quills) which scales with mutation level while also having no DV penalty or weight.Players and creatures who have the Quills mutation will be immune to the effects of other's quills this includes Quill Fling and Quills' damage reflection. This results in stronger damage reflection at higher mutation levels. The player cannot use Quill Fling if they do not have at least 80 quills.įinally, creatures that attack a player with Quills in unarmed combat will break approximately 1% of the player's current quills, while taking roughly 3% of the damage dealt reflected back at them per quill broken. As Quill Fling uses 10% of the user's current quills, using Quill Fling repeatedly will use less and less quills each time, dealing less and less damage. Each individual quill does 1d3 1-3 (Avg: 2) damage and has a → PV value determined by mutation level. The number of flung quills will be spread out evenly across all 8 tiles. If the player's number of quills is below 50%, this AV bonus will be halved.Īdditionally, Quills grants the "Quill Fling" activated ability, which when used, will discharge approximately 10% of the player's current number of quills to every adjacent tile, dealing damage to any creatures within. If the current number of quills is at or exceeds 50% of the players maximum quills, the AV bonus will be a value determined by mutation level. The players current number of quills determines the AV bonus granted by the mutation. ![]() 5% of the time you are hit, you will break between 1-4 quills. Lost quills will regenerate at a rate as determined by mutation level and the player's Willpower. The Quills mutation grants the player a certain amount of quills to spend on various actions at mutation level 1, the max number of quills is equal to 300, and each mutation level after this will increase the maximum by a random amount between 80-120 quills. Quills is a physical mutation that grants the quills natural equipment, providing the player with natural body armor, melee damage reflection, and the ability to discharge their quills to deal damage around themselves. + (level based) AV as long as you retain half your quills ( (level based) AV otherwise)Ĭreatures attacking you in melee may impale themselves on your quills, breaking roughly 1% of them and reflecting 3% damage per quill broken. Regenerate quills at the approximate rate of (level based) per round May expel 10% of your quills in a burst around yourself ( → (level based) 1d3) Hundreds of needle-pointed quills cover your body. ![]() ![]() If you’d like to be a volunteer at Cox Barton County Hospital, contact Barbara Frogue, 41. Some give their time to staff the gift shop or to give hand massages to patients and they also generously gives of their time to stitch lap quilts and cloth toys for our patients. Our cafeteria is open for complete meals during the following hours: 6-10:30 a.m., 11 a.m.-1:30 p.m., 4:30-8 p.m. Whether it is an hour each month or every day, Auxiliary volunteers cheerfully donate their skills and talents to support our hospital. Members of the Auxiliary act as greeters, cookie bakers, van or golf cart drivers and brighten lives by delivering mail and flowers to patient rooms. The service is informal but hits all your expectations and delivered with smiles. The Cucumber and tomato salad reminded me of grandmas. Highly recommend the Ruben and the Tomato Bisque. In recent years, donations helped purchase the player grand piano enjoyed by so many in our front lobby, new recliners for patient rooms and a blanket warmer. Our family has visited several times just this week, while visiting Mercy hospital. The evaluation of Mercy Hospital Joplin also. ![]() It is a general medical and surgical facility. The Auxiliary began shortly after the hospital was built in 1949 and through the years has raised money and donated to different hospital projects. Mercy Hospital Joplin in Joplin, MO is rated high performing in 2 adult procedures and conditions. , Online Menu of Speedy Burritos Restaurant, Joplin, Missouri. Few healthcare bonds are as close as the one between a cancer patient and their caregiver. The Auxiliary’s mission is to assist patients, families, visitors and staff in an empathetic and supportive manner. , Doctors at Mercy Hospital Joplin in Joplin, MO., Joplin Regional Airport. Mercy Hospital Joplin: 100 Mercy Way: 7 min: 3.5 mi: Mercy Specialty Hospital Southeast Kansas: 1619 K 66: 17 min. Approximately 25 volunteers make up Cox Barton County Hospital's Auxiliary and they play an important role in the hospital’s success. Redwood Towers and Nearby Apartments in Joplin, MO See official pictures, amenities and community details for Redwood Towers Apartments on. |
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