![]() housing bust in 2008 when the Bank of Canada largely followed the Federal Reserve, despite the substantial economic differences at the time. It will really come down to whether the Bank of Canada has to increase interest rates again, or whether by next March it’s simply a matter of how soon we’ll see the Bank make its first cut.This aversion to currency strength was amplified after the U.S. “The rebound in activity this past spring was an example of what we might see next year. “We know housing demand is extremely high all across the country, but October’s resale data was further confirmation that it probably won’t be manifesting itself in the existing home market for the remainder of this year and likely not until spring 2024 at the earliest,” Shaun Cathcart, CREA’s senior economist, said in the release. This is up from the low of 3.1 months of inventory in May, but is still below the long-term average for Canada, which is nearly five months of inventory. The biggest increase in the average residential price was in New Brunswick, where the average price of a home in October 2023 was more than 12 per cent higher than what it was in October 2022.Īccording to CREA, at the end of October 2023, there were enough properties on the market that it would take 4.1 months to sell them all at the current pace of sales-a metric known as “months of inventory.” Nationally, the average home price was around $656,000 in October, according to CREA, an increase of 1.8 per cent compared to October 2022.Ī graph comparing the average residential price in different regions of Canada in October 2023 compared to October 2022 showed that residential pricing has increased across 10 provinces, with only Newfoundland and Labrador seeing a two per cent drop in pricing. However, the prices are up when compared to yearly data. “While price declines are still mainly an Ontario phenomenon, home prices are also now starting to soften in parts of British Columbia,” the release stated. ![]() Month by month data found that average home prices declined by 0.8 per cent this October compared to the previous month. A ratio that hovers around the middle of the percentage scale indicates a more balanced market.Īccording to CREA, Canada’s “long-term average” sales-to-new listings ratio is around 55 per cent, and it spiked to 67.9 per cent in April.Īlthough home sales are continuing to dip this fall, the housing market was still more active this October than it was the previous year-the actual number of home sales in October was 0.9 per cent above what it was in October of 2022, according to CREA. A lower percentage indicates a buyer’s market, meaning it’s a good time to buy, because there are more sellers than there are buyers. A higher percentage for this ratio indicates that it’s a seller’s market, meaning it’s a good time to sell because buyers will be competing to secure your listing. The sales-to-new listings ratio is a way that real estate experts analyze the relationship between how many homes sold in a given time period versus how many new listings were added to the market. Canada This Month newsletter: Sign up to read the best our local outlets have to offer.The information you need to know, sent directly to you: Download the CTV News App.This meant that the sales-to-new listings ratio slipped to 49.5 per cent, which CREA says is a “10-year low.” The number of new listings also fell by 2.3 per cent in October compared to the previous month. “The October numbers also revealed some sellers may be shelving their plans until next spring.” “We’re only in November, but it appears many would-be home buyers have already gone into hibernation,” Larry Cerqua, chair of CREA, said in a release. The data, released Wednesday by CREA, showed that Canadian home sales are continuing to see a downward trend, falling by 5.6 per cent in October. Canada’s housing market is still in a slump, with fewer properties being listed and fewer sales being made, according to new monthly data from the Canadian Real Estate Association (CREA).
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Despite being released two years after her death from melanoma, the album eventually reached number 1 in the UK in 2001. ‡ Sales+streaming figures based on certification alone.Ĭover versions Eva Cassidy version Įva Cassidy's version was released in 1998 on her posthumous compilation album of the same name Songbird. Personnel Ĭharts Weekly charts Weekly chart performance for "Songbird" by Fleetwood Mac Lindsey Buckingham strummed an acoustic guitar offstage to keep the tempo. The recording session went into the next morning due to the difficulty of recording the song live in one take. įor the recording session, 15 microphones were placed around the auditorium to capture the performance. When McVie arrived at the auditorium, the house lights were dimmed so her attention was brought to the illuminated flowers on the piano. He then requested three spotlights to illuminate the flowers from above. ![]() To create the appropriate ambience, Caillat ordered a bouquet of flowers to place on McVie's piano. Their first venue of choice, the Berkeley Community Theatre, was unavailable, so the band instead booked the Zellerbach Auditorium for March 3, 1976. Ĭaillat loved the track and suggested she record it alone in a concert style approach. The next day, McVie played the song for producer Ken Caillat at the Sausalito Record Plant. To ensure she did not forget the chord structure and melody, McVie remained awake the entire night. McVie wrote "Songbird" in half an hour around midnight, but didn't have anyone around to record it. This version received a Grammy Award for Best Arrangement, Instrumental and Vocals. In 2022, the song was given an orchestral arrangement by Vince Mendoza on McVie's Songbird (A Solo Collection) compilation album. Her former husband, John McVie, recalled that "When Christine played "Songbird", grown men would weep. McVie frequently sang the song at the end of Fleetwood Mac concerts. It is one of four songs written solely by Christine McVie on the album. The song first appeared on the band's 1977 album Rumours and was released as the B-side of the single " Dreams". " Songbird" is a song by the British-American rock band Fleetwood Mac. ![]() ![]() Zellerbach Auditorium, Berkeley, Californiaįleetwood Mac, Ken Caillat, Richard Dashut ![]() ![]() Activation of the plug-in must be completed through the main Video AI application.Both Photo AI and Video Enhance AI were VERY slow even with GPU selected. Performance and UI responsiveness may be reduced when upscaling to 4x. Topaz Photo AI integrates with other image editing and catalog software.We plan to re-incorporate auto parameters in a future update to Video AI plug-ins. No auto parameters - our current auto parameter estimation will need to be modified to work within a host application like After Effects or Premiere Pro.Only Enhancement and Motion Deblur models are currently available.Multi-Frame Rendering must be disabled in After Effects' preferences.Each guide contains detailed information about particular workflows youll find useful. So far they are forward-compatible, and newer. v3.3.10 Released August 8th, 2023 Downloads: Windows Mac - DMG PKG Changes from v3.3. ![]() Beginning with version 1.7.0 of VEAI there are many different models the program can use. Hello everyone, A new release of Topaz Video AI is now available. Learn our recommended workflows to improve the quality of your images with Topaz Photo AI. This tutorial is aimed at those who don’t want to have the program fetch a model when it is not already downloaded. Click Help > Install TVAI After Effects Plugin Betaįor now, there are some important notes for public beta users working with the After Effects plug-in: What Languages Are Available In Each App.To install the beta plugin, follow these steps: Free Download For Win 7 or later Handbrake isn t really designed to properly. This public beta release will be limited to After Effects on Windows at first as we work with our community on increasing performance and identifying bugs before the full release. Topaz Labs Video Enhance AI And a pretty powerful GPU and computer in. Free download Topaz Video AI 3.1.10 full version standalone offline installer for Windows PC, It enlarges your video up to 8K resolution with true details. The AI-powered tools intelligently analyze your images and. The software provides various adjustment options to achieve the desired artistic effect, from enhancing colors and improving contrast to adjusting exposure and fine-tuning details. Topaz Video AI is now available as a plug-in for Adobe After Effects & Adobe Premiere Pro. Topaz Photo AI offers a range of AI-based enhancements that can elevate the visual appeal of your photos. Who really wants to be overweight, tired, sore, and unmotivated all the time? Put your hand up, I didn’t think so. You want to be the best version of yourself possible that’s why we take Keto OS NAT supplements. ![]() Delivery – One time only or Smart ship (Every month) This saves you around 20%įirst, you need to ask yourself “How Much is Your Life Worth To You?” This is what the Keto NAT OS Review is all about!ĭo you want the best quality of life or just to grind on through feeling tired and flat?.Formulae – Charged(Caffeine) or (Caffeine Free).When you enter the Pruvit website to order a box of Keto OS Nat you will have a few options such as: We always opt for the Caffeine sachets for the extra kick, but this is entirely up to to your personal preference. 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Enables you to work smarter & multitask.Gives you energy throughout the whole day.Helps burn fat by controlling your hunger (Stops snacking).What a question! This product does amazing things to your beautiful body such as: ![]() If this sounds like you, then the Keto OS Nat product may be your perfect solution. Only read this Keto OS NAT review if you are low on energy, feel tired during the day, and struggle to lose weight! Proper socialization around people outside the household and other dogs is necessary to ensure good behavior. Prospective owners who aren’t dedicated to socializing their dog may want to consider a different breed or cross. Taking these dogs on walks is particularly important for people who live in apartments. If you are not prepared to go on long daily walks, this dog may not be the right choice for you. ![]() Although many health issues are manageable, they may be costly to treat over time. All breeds in this mix enjoy being around their people as much as possible and don’t thrive very often in settings where they’re alone.ĭogs of this cross are somewhat prone to hip and eye issues that progressively worsen. If you’re away from home for long periods, a Boxer Pit Lab Mix may not be the crossbreed for you. Although this won’t be a problem for active owners, it might be more than you bargained for if you were expecting a quiet couch potato. ![]() The combination of breeds may give your Boxer Pitbull Lab Mix a higher energy level than you anticipated. Bigger dogs come with the possibility of increased health problems, as well as food expenses. You might have an 80-pound or giant dog living in your house. These dogs are more likely to become very big once fully grown. The presence of two other breeds in this dog’s makeup impacts the overall personality. In other words, if you’re looking for a dog with the Lab’s friendliness toward strangers, this designer cross may not be the dog for you. Reserve and a degree of aloofness are to be expected when these dogs encounter strangers. This hybrid is very loyal and protective of its family however, you shouldn’t expect one of these dogs to be best friends with everyone they meet. 10 Boxer Pitbull Lab Mix and Families Reasons Why You Shouldn’t Get a Boxer Pitbull Lab Mix ![]() ![]() This is money you are owed, and it’s critical that invoices are being settled regularly.Įssentially, AR can be thought of as a line of credit you aren’t going to keep extended credit if a client isn’t paying you back in a timely manner. The accounts receivable turnover ratio showcases how many times your organization successfully collects the average balance in the accounts receivable section of your balance sheet. What is the Accounts Receivable Turnover Ratio? Luckily, using the receivable ratio turnover formula in your business is fairly straightforward and something that can be implemented right away. If you’re not recalculating the receivables turnover ratio on a regular basis, you’re leaving your company open to vulnerabilities and unnecessary risk. One of the main calculations that AR experts – which play a different part than your AP team – lean on when making these decisions is the Accounts Receivable Turnover Ratio. The AR team has to know if a payer is delinquent with their payments, if the contract terms aren’t being upheld, or if the customer’s line of credit should be tightened or removed altogether. Tracking the amount of time it takes for customers to pay their bill is a key reporting priority within the accounts receivable function. Businesses cannot provide goods or services without getting paid for them – that’s one of the first facts of doing business. If the payer doesn’t get the funds to your organization in a timely manner, it could put your entire business in jeopardy. AR professionals are responsible for collecting the money your company is owed by customers, vendors, or other entities. Managing accounts receivable isn’t for the faint of heart. ![]() However, if you do like an amazing, natural looking foundation, I would suggest to find your shade in stores and try out this product yourself. The foundation does have a natural and luminous finish so if you prefer high coverage, matte foundations, this would probably be not for you. The product has been loved by many people and I’m absolutely one of them. This is one of the foundations that I love to wear during formal events and I will purchase over and over again. Because of the creamy texture, it doesn’t look dry or settle into the fine lines on my skin. It wears beautifully over time, looks radiant, skin-like and feels comfortable and nourishing. The Giorgio Armani Luminous Silk Foundation has been one of my favorite foundations for years. It still looks great after eight hours and did fade on some spots that I touch often like my chin and nose, but because it is so natural, the foundation fades out beautifully without looking patchy. My T-zone does look a bit more oily but that’s normal for my skin type. I have a dry to combination skin type and the foundation holds out pretty well on a regular day. Here is a comparison of the initial application and after about eight hours. All product apply on the foundation perfectly as well. The foundation still looks beautifully natural. Here is the foundation after I’ve applied the rest of my make-up. It looks like my skin, but better and leaves a subtle, luminous glow. The product mostly evens out my skin and leaves my cheeks still looking slightly pink. Here is a before (skin prepped with skincare) and after using the Giorgio Armani Luminous Silk Foundation in 5.5 applied with a beauty sponge. This is a slightly thicker swatch so it loos quite thick but it does look beautifully skin-like when blended. ![]() It has a soft, powdery scent which I really love. The foundation feels creamy and lightweight. I have tanned before taking this picture, which is why the foundation shade doesn’t match my hand, but I did take pictures of the foundation on my skin before tanning. Here is a swatch of Giorgio Armani Luminous Silk Foundation in 5.5 freshly applied and after it has dried. Th bottle looks modern and feels nicely luxurious. The foundation comes in a frosted glass bottle with a pump that holds 30 mL of product. The Giorgio Armani Luminous Silk Foundation is available in 30 shades. I’m going to review and put this foundation to the test in today’s post. Inspired by the texture of Charmeuse Silk, the foundation blurs imperfections with a luminous, lit-from-within finish. The Giorgio Armani Luminous Silk Foundation described as a lightweight, buildable foundation with a medium coverage. ![]() With the right engine and 4x4Ĭonfiguration, you'll boast a 9.6 ground clearance and 20-inch alloy wheels inĭrivetrain, you'll be able to experience so much of the outdoors in the new You'll find athletic and durable Sof-Tex trimmed seats with lumbar support for Two and three-row seating configurations available.Off-roads in the new Toyota 4Runner base trim. The Coil-spring independentĭouble-wishbone front suspension with a stabilizer bar helps you tackle new Toyota 4Runner SR5, starting atġ7-inch alloy wheels, sports a 9.0-inch ground clearance, and is available with Our Springfield Toyota dealership has several trim levels available for our adventurous Oregon residents. Looking for a large, sporty, and spacious SUV for sale to take on the Pacific North West New Toyota 4Runner Trim Levels in Springfield, OR Farmer's markets abound and with easyĪccess to Interstate 5 North to Salem and Portland and South to Medford andĬalifornia, Springfield, Oregon seems like a gateway to a dream and located inįavorite music, getting directions, or making a call on the go is easy thanks The mighty Pacific, sand dunes, surfing, beachcombing, whale watching, oceanĬruises, horseback riding and more! And with a solidly designated driver, youĬan enjoy hundreds of wine options, craft brews, ciders, and music and dining Just need to point their Toyota 4Runner West and it's only one hour away from With tons of space for everyone and everything. That's because the new Toyota 4Runner has a cavernous cabin that seats 7 You'll have no trouble finding space for all yourįriends, family, and any outdoor gear or luggage you're bringing along for the to define themselves intellectually with an area of special expertise.Under the expert guidance of a faculty member who will serve as advisor, students explore topics of their scholarly and professional interest, learning how to structure, write, and expose a dissertation project. With focus on one of our concentrations (Music History and Literature, Music Theory, Composition, Music Business, Music Education, Jazz and Commercial), this advanced project must be a representative work of the students’ scholarship and skills, their mastery of the discipline’s methods, and their knowledge of the literature in the field. Two graders will independently evaluate the content and presentation of your work.The Department of Music offers the opportunity to Music majors to write an Honors Thesis in their senior year. The exact day/time you will give your presentation will be assigned within the first 4 weeks of class. Koeppe Biology Undergraduate Research Symposium. BIOL 692H students must present and defend their thesis research during the John K. Your thesis will be stored electronically in the Wilson Library repository. BIOL 692H students must write an Senior Honors Thesis (minimum of 10 pages) based on the independent research project. If you decide you want to drop BIOL 692H, please email Dr Maddox by the end of the first week of classes. If your grades don’t make the minimums, you can continue doing research in BIOL 395 or 495. ![]() After your CUM & BIOL GPAs have been verified and your application has been approved, the Biology Registrar will register you. If you are graduating in May, your application is due November 15 (usually around spring semester pre-registration). ![]() If you are graduating in December, your application is due April 15 (usually around fall semester pre-registration). ![]() Please go to this webpage for the link to the application: Only electronic applications will be accepted. Students receive a letter grade for BIOL 692H and also will get the designation of Highest Honors or Honors added to their transcript.Įnrollment. In addition to doing your research, presenting your research in an oral talk and writing a senior honors thesis paper, you also need to attend the BIOL 692H class. BIOL majors/2nd majors can BIOL 692H in their final semester at UNC. Research should continue in the same lab as for BIOL 395. However, extension of that research can and should be going on in parallel to the preparation of the written and oral presentations in BIOL 692H. Instead, the research findings that comprise the written and oral theses should be completed before the start of the last semester of undergraduate coursework. Thus, new results should not be counted on to go into the honors thesis. Beginning early in the semester, the class will work in teams to refine each written thesis and prepare oral presentations. Your BIOL 395 paper or poster will serve as a first draft for the honors thesis. The products of BIOL 692H are a written thesis (minimum of 10 pages) and an oral presentation. Senior Honors thesis expectations: The honors thesis is the culmination of high quality research performed in the preceding semester(s) of undergraduate study. Relevance to long-term goals (1 sentence) Predicted relevance to ecology or human health or other broader impacts (1 sentence)Ħ. Methods including level of experience and availability of reagents and equipment (3-4 sentences)ĥ. Rationale for your research in the form of background on the subject and “but it is not known whether. On a separate sheet of paper to be submitted with your BIOL 692H application, answer ALL of the following (typewritten, please):Ģ. Students must have completed at least 3 credit hours of BIOL 395. All candidates must be approved by the Biology Honors Chair, Dr Amy Shaub Maddox ( requirement. The Bio GPA must include all cross-listed BIOL courses and one semester of BIOL 395 (your most recent 395 grade) however, do NOT count BIOL 101 and BIOL 101L in calculating your Bio GPA. GPAs must meet the minimum 3.300 and won’t be rounded up. on the last day all grades are due as set by the Registrar). You must have an overall CUM GPA of at least 3.300 and a BIO GPA of at least 3.300 as posted by the end of the application semester (5:00 p.m. You don’t have to be a student in the honors program to take BIOL 692H. ![]() Biology majors/2nd majors must be in the last semester of their senior year at UNC. To graduate with Highest Honors or Honors in Biology, Bio majors/2nd majors must meet the following requirements: The tire producer / manufacturer and Canadian Tire uses this fee to pay for the collection, transportation, and processing of used tires.ĬANADIAN TIRE® and the CANADIAN TIRE Triangle Design are registered trade-marks of Canadian Tire Corporation, Limited. locking Model #00945710000Īce professional 4-in.△The tire producer / manufacturer of the tires you are buying, and Canadian Tire is responsible for the recycling fee that is included in your invoice. Where to Find ItĬraftsman Professional 7-in. ? No matter what you see on The Three Stooges, never, ever ? Don’t twist them sideways or you may put too much stress on the joint and loosen or break it. ? Don’t use them to tighten or loosen polished plumbingįixtures or you’ll scratch the surface. ? Don’t use them to turn a nut when a wrench would be Photo by Mark Viker Non-adjustable Pliersįeatures: Flat, deeply toothed jaws with wire cutter.īest for: Grabbing, pulling, bending, and twisting solid electrical and rebar wire and light sheet metal.īest for: Inserting and removing small screws or other parts behind pipes, around corners, or in otherwise-hard-to-reach places.įeatures: Lightly toothed jaws with wire cutter and rounded back.īest for: Delicately gripping small objects, e.g., fishing dropped screws, twisting stranded wires, or bending loops and eyes in solid wire.įeatures: Small, pointed jaws with angled tips spring return and soft handles.īest for: Holding and manipulating small wires, screws, and pulling cotter pins while keeping wrist comfortably parallel to the workpiece.įind bent needlenose pliers here. ![]() Jaws get wider with manual adjustment yet stay parallel at any size opening once the handles are engaged.įeatures: Button-adjusted cam-and-ratchet mechanism that keeps its smooth jaws parallel whether or not the handles are open.īest for: Turning bolts without stripping them, installing finished-metal plumbing fixtures.įeatures: Lightly serrated curved jaws with four-point slip joint.īest for: Screwing and unscrewing plastic pipe without scratching it.įeatures: Large, serrated, groove-joint jaws and long handles for maximum leverage.īest for: Tightening and loosening metal pipes and other plumbing connectors.įeatures: Cam-and-ratchet mechanism grips the workpiece, then adjusts the jaws parallel as you squeeze the handles.īest for: General repairs, plumbing more reliable than all-purpose slip-joint pliers. ![]() Expect to pay about $20 to $30 for a decent pair - you won’t find hard, tough steel for bargain-basement prices. ![]() In all cases, look for simple but substantial tools with a smooth-operating, tight joint, and choose ones that are sized to the job at hand. No one pair of pliers can do everything turn the page to see which you’ll need around your house. (Avoid the familiar slip-joint pliers that have a figure-eight joint perpendicular to the handles - you’ll likely skin your knuckles when the tool slips.) Nonadjustable pliers move around a fixed joint, sometimes aided by a spring to open the jaws. Adjustable pliers can be sized to a variety of openings, while the jaws remain parallel so they can grip bolts or pipes. Locking pliers tighten mechanically onto the workpiece, freeing you to pull, twist, or even let go without losing your grip. But for all their differences, pliers come in just three basic types: locking, adjustable, and nonadjustable. They’re simple levers, with the joint as the fulcrum: By pressing on the handles, you magnify your holding power and direct it to the tiny point where the jaws meet.Įvery toolbox contains a fistful of pliers, with various sizes, jaws, joints, and handles, each suited to a particular task. Pliers extend and increase the strength of your hand’s grip. |
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