In each instance, FINRA also found that these same broker-dealers lacked adequate supervisory systems and procedures for communicating trade volume to such services. A recent “sweep” of broker-dealers by FINRA’s Market Regulation Department has resulted in firm censures and fines against three brokerage firms resulting from inaccurate advertised trading volumes that these member firms reported through third-party service providers. FINRA is again turning its attention to policing instances where broker-dealers have overstated their advertised trading volume in violation of FINRA Rules 52. Similarly, according to FINRA, Geneos failed to adopt written supervisory procedures regarding its brokers’ recommendations of alternative mutual funds and utilized an electronic trade review system that failed to account for risk factors associated with such funds.Īs a result of these alleged failures, FINRA found that Geneos permitted the sale of more than $2.5 million in LJM on its platform without ensuring that the firm and its representatives had a sufficient understanding of the fund’s risks and features.
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![]() Subsequently, the nutrient density relative to ME within food must be adjusted to ensure that enough essential nutrients are consumed to maintain normal health while maintaining normal body weight (BW) and body condition score (BCS).Įnergy and nutrient recommendations for maintenance of adult dogs and cats by the National Research Council (NRC) ( 1) and the Association of American Feed Control Officials ( 2) are based on the requirements of average unstressed healthy adult laboratory dogs and cats, of normal BW and BCS, undertaking modest amounts of exercise in a thermoneutral environment to which they have been adapted. Determining how much to feed a dog or cat to provide the metabolizable energy (ME) 4 necessary to maintain these processes is the first step in any nutritional recommendation. In addition, they require energy to assimilate food, to maintain body temperature, for activity, reproduction, and growth, and when stressed by disease. There is a need, therefore, for further research concerning factors that affect energy expenditure of dogs and cats and methods of measuring energy expenditure in individual patients.Įnergy, dogs, cats, diet history, calorimetryĭogs and cats require energy to maintain metabolic processes at rest. ![]() There are also no readily available point-of-care methods for measuring the energy expenditure of dogs and cats. Detailed dietary histories provide an estimate of individual energy requirements but are time consuming to perform and rely on several assumptions. Furthermore, individual variation in energy expenditure is substantial even in dogs and cats under closely defined physiological conditions, and the estimate of energy expenditure obtained by using a factorial calculation can differ by a substantial margin from the energy expenditure of an individual. Most clinicians estimate the energy expenditure of patients using a factorial calculation that adjusts for any differences from the norm, but little information exists upon which to base these adjustments. Standard recommendations as to how much to feed dogs and cats are based on the average requirements of unstressed healthy laboratory dogs and cats of normal body condition undertaking modest amounts of exercise in a thermoneutral environment, but most clinical patients do not conform to these norms. ![]() The client experienced a decrease in income.The home inspection or property appraisal came in with unexpected issues. ![]() The client has a judgment on their record.The home the client is trying to purchase has an unexpected lien.The underwriter is unable to verify the data provided by the client.Here are a few reasons why a client might be denied: This can also include confirmation that there are no unexpected liens or judgments on the home.Ĭlients with a conditional approval for a home loan are at risk for denial if they fail to meet any of the conditions laid out by the lender. Title verification, an appraisal, an inspection and homeowners insurance are usually needed to verify the market price of the home, the loan-to-value ratio and other details. This might also include written verification of employment from your employer or additional asset statements, depending on what’s needed for your loan.Ĭonditional approval can also require purchase agreement addendums. Additional documentation, such as pay stubs, paperwork for business income, and tax documentation, is often required for final approval. There are a few common conditions attached to a conditional home loan approval. If the conditions aren’t met, the client might not be able to close on the loan. “This means that the loan is moving forward but there are or may be additional conditions that will need to be met in order to finalize and close the loan.” “This documentation is reviewed by an underwriter, and provided the client’s information matches up with what was initially stated to the mortgage banker, they are conditionally approved,” explains Davenport. An underwriter conducts a strict documentation review before your loan is conditionally approved. “The preapproval is based on what the client tells the banker and their credit report information,” says Jennifer Davenport, product manager on the Quicken Loans Capital Markets team. “Conditional approval differs from preapproval in that the loan may not have been reviewed by an underwriter when preapproved.”Īfter your information is reviewed, you’ll receive a preapproval letter stating your eligibility for a loan up to a specified amount.Ĭonditional approval comes after preapproval and involves going a little deeper. Your information must be verified and approved before a decision can be made. Loans are preapproved by a Home Loan Expert who has reviewed your income and credit information. People often confuse conditional approval and preapproval when talking about mortgages. This information is required before the loan is completely approved. ![]()
![]() You may then chose to finish your meditation session with some personal prayers. Please see webpage for Healing Sounds and Songs. When completing a Kundalini Yoga Yoga and/or Meditation set, it is tradition to sing "Long Time Sun" song. Ong Namo : I Bow to the creative power divine energy force, that created this entire universe, this cosmos Guru Dev Namo : I bow to the great divine teacher that is within me. TO END: Inhale and stretch the arms up, looking through the 10th gate meaning your spiritual aperture of consciousness, your personal portal through which you attain spiritual realization, the "Guru's Gateway." Exhale and relax. Can be increased with practice and experience. (Image Left: REGISTERED TRADEMARK of 3HO Foundation International)ĬOMMENTS: This movement serves to open the nostril on the same side, so that as you move alternate hands, the breath will also alternate Will feel that the right nostril is more active.Įxhale through the right nostril and lower the hand, returning to theĬontinue to alternate sides and alternate nostrils, with a steady, evenly Inhale and lift the right hand and shoulders up. By chanting these words, we arrive and mentally prepare for our practice. This mantra translates to, I bow to the Creative Wisdom, I bow to the Divine Teacher within. It is chanted at least three times before practicing Kundalini Yoga. Every time we sit down to practice Kundalini Yoga, we tune in with the Adi Mantra, Ong Namo Guru Dev Namo. This mantra is used for tuning in to the divine flow and self-knowledge within each of us and linking us to Yogi Bhajan and the Golden Chain of teachers. The left nostril is more active than the right.Įxhale through the left nostril and lower the hand, returning to the Ong Namo Guru Dev Namo (the Adi Mantra) I bow to the Creative Wisdom, I bow to the Divine Teacher within. Hand bent back and parallel to the floor. ![]() Inhale and lift the left hand and shoulder up toward the ear, keeping the Maintain the hand position throughout the exercise.ĮYES: Tip of the nose as you continue the meditation, the eyes should Ong Namo Guru Dev Namo is the adi mantra of Kundalini. ![]() Hands palm up, fingers together, with the wrists bent back and the fingertipsįacing out to each side, parallel with the shoulders. Another unlikely master to speak about the importance of God and God Consciousness is Zen Master Shunryu Suzuki. Yes, a Zen master supposedly from a religion, Buddhism, which does not acknowledge God, explaining that remembering God at all times, is the key to freedom and non-attachment. Literally translated, this mantra means: She is the most auspicious one and the one who bestows. MUDRA: Bring the elbows in to the sides of the body and bring the POSTURE: Sit in a comfortable meditative posture. ![]() This item is only available with the purchase of the Digital Deluxe Edition. Just say a short prayer for all the Zeds that are standing between this man and what he wants. But now he's another survivor, stuck in the wrong place at the wrong time. Allied hydraulic 2 ton floor jack hdj2 I repaired three jacks about 20 years ago, I found them VERY hard to take apart, I ended up at a jack repair place. Updates (Killing Floor 2) This page contains all the major updates Killing Floor 2 had. Not just muscle - he was the brains of the operation, too. Born in Atlanta, GA, he was smart and well-educated, working in law enforcement before setting up his own business. But not all have given up hope a motley group of civilians, soldiers, and mercenaries. ![]() Civilization is in disarray, governments have collapsed, and military forces have been systematically eradicated. He wasn't just one of the guys providing close protection services to a bunch of wrestlers - he was the guy who set up, owned and ran the whole security business. In KILLING FLOOR 2, players descend into continental Europe after it has been overrun by horrific, murderous clones called Zeds that were created by rogue elements of the Horzine Corporation. The Danger was contributed to the Steam Workshop. It is a pork pie hat with black sunglasses and an orange moustache. The Danger is a community-created cosmetic item for the Engineer. The Engineer on being the one who knocks. But he is way more than he seems to a careless glance. Dont go meddlin in my business Click to listen. ![]() Donovan is big, tough, and can handle himself in almost any situation. ![]() I look forward to working with my friend Andy Heyward and the Genius Brands team to fulfill a lifelong dream of reaching kids through my life’s work.” Our goal is to deliver these increasingly important messages in an easy to understand and entertaining manner. Equally important is helping reinforce their understanding of how food goes from farm to table and touching on issues near and dear to my heart such as the elimination of global hunger. I am extremely passionate and committed to teaching kids and parents about nutrition and the value of cooking meals with healthy ingredients. Wolfgang Puckstated: “ Wolfgang Puck’s Secret Chef Academyis at its core a celebration of food and culture around the world, and an exploration of how we are all connected through our shared love of eating a delicious meal. Creatively collaborating with Puck, Genius Brands is also developing a global licensing, merchandising, promotions and retail program that will feature themed subscription boxes containing lots of fun recipes from all different types of cuisine for kids to create a line of branded merchandise for children in categories, including publishing, cooking tools, apparel, home goods, among others a new private food label for kids a dedicated YouTube channel featuring short-form content a dedicated website and social media channels and much more! Wolfgang Puck’s Secret Chef Academywill feature an animated adventure series (52 x 11 episodes) that stars Puck voicing his own character. These values are the foundation of Wolfgang Puck’s Secret Chef Academy. Throughout it all, Puck has learned that food is the universal language that a good meal can bring people of different backgrounds and cultures together and most importantly, that any dream can be accomplished with hard work and determination. He has opened world class restaurants and worked passionately for his charities. He has led a trailblazing life, feeding his gourmet creations to kings, queens, presidents, and movie stars. Wolfgang Puck is considered the most iconic chef of our time. BEVERLY HILLS, Calif., J(GLOBE NEWSWIRE) - World-renowned chef, restauranteur, entrepreneur and philanthropist Wolfgang Puckis expanding his global empire in a partnership with Genius Brands International, Inc.(“Genius Brands” or the “Company”) (NASDAQ: GNUS), to create an all-new children’s brand, Wolfgang Puck’s Secret Chef Academy, for the worldwide marketplace. The #images app is available in the United States, United Kingdom, Canada, Australia, New Zealand, Ireland, India, Singapore, Philippines, and Japan. Go to Settings > General > Language & Region. ![]() Make sure that your keyboard is set to a supported language and region. Tap Edit, then tap to add the #images app.Make sure that the #images app is enabled: To help with this issue, please force close the Messages app and restart your iPhone as iOS clears cached data and does other system optimizations when you turn your device off and on. ![]() If I understand correctly, you are unable to find the option to send GIFs in the Messages app on your iPhone. Were you using GIF Keyboard on your Mac until now? How often do you use GIFs during friendly conversations? Share with us your experiences and feel free to leave your personal feedback in the comments section down below.Thanks for that info and choosing the Apple Support Communities. Have a laugh by sharing the funniest GIFs via iMessage with your friends, family, colleagues, or whoever else you want to goof off with. You can now send Memoji stickers, use message effects, mention people in a group thread, make inline replies, and do more with the updated Messages app. This is just one of the several new features that macOS Big Sur brings to the stock Messages app. If you own an iPhone or iPad, and you haven’t accessed the built-in GIF search in Messages yet, you may want to check out how to search and send GIFs with the Messages app for iOS devices too. Prior to the release of macOS Big Sur, Mac users had to rely on third-party keyboards like GIF Keyboard to get the job done. ![]() If you want, you can add a comment or send it as it is by pressing the Enter key.
![]() He is regularly commissioned to write for the world’s leading ensembles, from Orchestre de Paris to the Los Angeles Philharmonic, and is a high-profile presence in film score composition, with credits including The Revenant, for which he was Grammy and Golden Globe nominated, Fernando Mereilles’s The Two Popes and Mike Mill’s C’mon C’mon.ĭessner collaborates with some of today’s most creative and respected artists, including Philip Glass, Katia and Marielle Labèque, Paul Simon, Alejandro González Iñárritu, Sufjan Stevens, Fernando Mereilles, Thom Yorke, Bon Iver, Nico Muhly, and Steve Reich, who named Dessner “ a major voice of his generation.” Dessner’s orchestrations can be heard on the latest albums of Paul Simon, Bon Iver and Taylor Swift.īryce Dessner has had works commissioned and premiered by today’s leading conductors including Esa-Pekka Salonen, Gustavo Dudamel, Semyon Bychkov, and Santtu Matias-Rouvali. He has won Grammy Awards as a classical composer and with the band The National, of which he is founding member, guitarist, arranger, and co-principal songwriter. The work premiered with London Philharmonic Orchestra at Southbank Centre in April 2018 and has been performed internationally by – among others - Orchestre de Paris, Borusan Istanbul Philharmonic Orchestra, Dresdner Philharmonie, Musica Nova in Helsinki and Netherlands Philharmonic.īryce Dessner is a vital and rare force in new music. Iñárritu in turn created the cover artwork for the album.ĭessner’s Concerto for two pianos was written for Katia and Marielle Labèque after the three met during rehearsals with Los Angeles Phiharmonic several years ago and where they formed an immediate bond, both musically and personally. The work is inspired by the mythical guardian spirit, ‘El Chan,’ of a pool of water nestled in the canyons close to Iñarritu and Hagerman’s hometown of San Miguel de Allende, in the stunning Mexican landscape, and which has been the source of popular legends for many centuries. Hopefully, I’ll see you around soon, outside of this subliminal space.El Chan (Deutsche Grammophon, 2019) features debut recordings of three works: Concerto for two pianos performed by Katia and Marielle Labèque, Orchestre de Paris and Matthias Pintscher, El Chan for two pianos and Haven, for two pianos and two guitars.Īrranged for two pianos and performed regularly internationally by Katia and Marielle Labèque, El Chan is dedicated to Dessner’s friend and collaborator, film director Alejandro Gonzalez Iñárritu and his wife Maria Eladia Hagerman. Even if you can’t make it to everything, we still accept you with open arms! If you have any questions, feel free to reach out to me with any questions you may have about the MOB and the fliccoboes. YOU finish chewing your popcorn and turn to RIJUTA.Īwesome! But, what’s the time commitment like?ĭon’t worry about coming to every single rehearsal. On top of cheering on Rice teams with epic musical performances and taking part in MOB activities like the Louie Cup, we fliccoboes love to play board games and go on boba runs and movie marathons, just like, well, right now. Or the Obicloes… Basically, any combination of flute, piccolo, and oboe, we’re that. Well, you just happened to pick the best section of them all, the fliccoboes! Or the Flobolos. Yeah, I can’t wait to get started! But wait, what section is this? We’re more chill than your average band too, so tell your friends to join up!Considering that I’m the one speaking to you right now, you’ve probably guessed that I’m your section leader, and you’d be correct. 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Rather, look for a program that organizes high frequency words to fit phonics lessons wherever possible. Irregular high frequency words are sometimes called “heart words” because there are parts of the word that can’t be sounded out students must learn those parts “by heart.” Teach both flash words and heart words using phonicsīe leery of any reading program that says students need to “just memorize” irregular words. Some educators refer to decodable high frequency words as “flash words.” These words appear so frequently that students should be able to read them in a flash. First … What are flash words and heart words? Rather, we should integrate high frequency word instruction into phonics lessons whenever possible. “While this method works for many students, it is an abysmal failure with others.” (A New Model for Teaching High Frequency Words, by Farrell, Osenga and Hunter). There’s a problem with the common practice of sending home lists of words for students to memorize. We can teach these words to students after they know letter names but before they’ve begun phonics instruction. In their article, A New Model for Teaching High Frequency Words, Linda Farrell, Tina Osenga, and Michael Hunter recommend teaching the following sight words to new readers: They’ll memorize their names and a few other words like Dad and Mom.Īnd there’s nothing wrong with teaching pre-readers a small set of sight words before they begin reading. Will students memorize some high frequency words? But the way we do this isn’t by giving them stacks of words to memorize. ![]() We want our students to recognize high frequency words instantly. Our goal is to make high frequency words SIGHT WORDS. It’s essential that students develop automaticity as they read, and one way to do this is to help them read many high frequency words by sight. ![]() These words may be regular (as in and) or irregular (as in the). High frequency words are the words that are most commonly used in the English language. Kilpatrick, PhDĪs an adult, most of the words you encounter are sight words, because unless you’re reading from a challenging textbook or a technical manual, you know the words automatically. A sight-word vocabulary refers to the pool of words a student can effortlessly recognize. Reading researchers have a different definition of sight words.Ī sight word is a word that is instantly and effortlessly recalled from memory, regardless of whether it is phonically regular or irregular. ![]() While sight words may be irregular, the definition of sight words is NOT words that kids can’t sound out. We often define sight words as words that kids can’t sound out – words like the, for example.īut this definition is not correct. Traditionally, when teachers say “sight words,” they are referring to high frequency words that children should know by sight. |
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