Securities and variable annuities are offered through BancWest Investment Services, a registered broker/dealer, Member FINRA/SIPC, and SEC Registered Investment Adviser.īancWest Investment Services, Inc. Banking products and services are subject to approval and are provided by BMO Harris Bank N.A. Once you’ve decided how you’ll manage your settlement-and agreed to a settlement amount and payment terms-it’s time to finalize your agreement and make the required payment or payments.Bank of the West is a trade name used by BMO Harris Bank N.A. Finalizing your credit card settlement agreement If you think a debt settlement attorney is right for you, the CFPB can help you find one.ģ. They note that debt settlement companies “often charge expensive fees” and that “most debt settlement companies will ask you to stop paying your debts in order to get creditors to negotiate.a settlement.”ĭebt Settlement Attorney: Similar to debt settlement companies, attorneys can work on your behalf but typically charge fees for their work. The CFPB emphasizes that dealing with debt settlement companies can be risky. While these companies can help you with your debt settlement, there may be other associated costs. “Consider all of your options, including working with a nonprofit credit counselor, and negotiating directly with the creditor or debt collector yourself.” - Consumer Financial Protection Bureauĭebt Settlement Resources: You might have heard advertisements for debt settlement companies claiming to negotiate a settlement with credit card companies on your behalf. The CFPB also provides recommendations for negotiating a debt on your own. Working directly with your credit card company: Managing your own settlement can save you money by avoiding debt settlement fees associated with other services and ensures that you're involved and aware of every step in the process. Selecting credit card settlement resources You can get a list of government approved credit counselors by calling 80 (National Foundation for Credit Counseling) or visiting this list of counseling services from the U.S. It may be helpful to meet with a credit counselor to think through your finances and calculate your payment options. If a settlement seems to be the best choice for you, here is information on possible next steps. According to the Consumer Financial Protection Bureau (CFPB-until their proposed name change of BCFP goes into effect, we continue to refer to them as CFPB), “some creditors might be willing to.waive certain fees, reduce your interest rate, or change your monthly due date to match up better to when you get paid, to help you pay back your debt.” The credit card settlement process While it isn’t possible to say exactly how a settlement will affect your credit report, your settlement and payment information likely will be reported to the major credit bureaus as “settled in full for less than the full balance.” This can stay on your report after you’ve paid the settlement in full.īefore deciding on a settlement: You can always reach out to your credit card company to see if they are able to work with you.
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The Rule applies to operators of commercial websites and online services (including mobile apps and IoT devices, such as smart toys) directed to children under 13 that collect, use, or disclose personal information from children, or on whose behalf such information is collected or maintained (such as when personal information is collected by an ad network to serve targeted advertising). The Rule was designed to protect children under age 13, while accounting for the dynamic nature of the Internet. The primary goal of COPPA is to place parents in control over what information is collected from their young children online. The amended Rule took effect on July 1, 2013. The Commission published an amended Rule on January 17, 2013. The Commission’s original COPPA Rule became effective on April 21, 2000. COPPA required the Federal Trade Commission to issue and enforce regulations concerning children’s online privacy. What is the Children’s Online Privacy Protection Rule?Ĭongress enacted the Children’s Online Privacy Protection Act (COPPA) in 1998. GENERAL QUESTIONS ABOUT THE COPPA RULE 1. REQUIREMENT TO LIMIT INFORMATION COLLECTION DISCLOSURE OF INFORMATION TO THIRD PARTIES PARENTAL ACCESS TO CHILDREN'S PERSONAL INFORMATION GENERAL AUDIENCE AND TEEN SITES OR SERVICES THIRD PARTIES, SUCH AS AD NETWORKS AND PLUG-INS, COLLECTING PERSONAL INFORMATION ON SITES DIRECTED TO CHILDREN WEBSITES AND ONLINE SERVICES DIRECTED TO CHILDREN, INCLUDING MIXED AUDIENCE SITES AND SERVICESĮ. PRIVACY POLICIES AND DIRECT NOTICES TO PARENTSĭ. A Statement of Basis and Purpose was issued when the COPPA Rule was promulgated in 1999, and another Statement of Basis and Purpose was issued when the Rule was revised in 2013.Ī. GENERAL QUESTIONS ABOUT THE COPPA RULEĬ. A Statement of Basis and Purpose is a document an agency issues when it promulgates or amends a rule that explains the rule’s provisions and addresses comments received in the rulemaking process. Some FAQs refer to a document called a Statement of Basis and Purpose. This document serves as a small entity compliance guide pursuant to the Small Business Regulatory Enforcement Fairness Act. To view the Rule and compliance materials, go to the FTC's Children’s Privacy page for businesses. In addition, you may send questions or comments to the FTC staff’s COPPA mailbox, This document represents the views of FTC staff and is not binding on the Commission. The following FAQs are intended to supplement the compliance materials available on the FTC website. About the FTC Show/hide About the FTC menu itemsĪ GUIDE FOR BUSINESS AND PARENTS AND SMALL ENTITY COMPLIANCE GUIDE.News and Events Show/hide News and Events menu items.Advice and Guidance Show/hide Advice and Guidance menu items.Competition and Consumer Protection Guidance Documents.Enforcement Show/hide Enforcement menu items. You can even pop out each Dock to its window.Modular ‘Dock’ UI allows you to rearrange the layout exactly as you like.The streamlined Settings panel gives you access to various configuration options.Add new Sources, duplicate existing ones, and adjust their properties effortlessly.Powerful and easy-to-use configuration options.Take complete control with VST plugin support.Intuitive audio mixer with per-source filters such as noise gate, noise suppression, and gain.Set up an unlimited number of scenes you can switch between seamlessly via custom transitions.High-performance real-time video/audio capturing and mixing.Utilize native plugins for high-performance integrations or scripts written with Lua or Python that interface with existing sources. OBS Studio is equipped with a powerful API, enabling plugins and scripts to provide further customization and functionality specific to your needs. Upon launch, you are welcomed by a minimalistic yet clean and intuitive interface that displays all available features and functions. The setup is quick and uneventful, so it is unlikely that you can encounter any issues at this stage. Control your stream from your Windows PC desktop with this software Download OBS Studio Offline Installer Setup for Windows. Download and start streaming quickly and easily on Windows, Mac, or Linux. OBS Studio 23 works with multiple streaming services, including Twitch. OBS Studio is a free and open-source software for video recording and live streaming. Create high-quality recordings with OpenGL or Direct3D on your desktop and stream them on the Internet via this intuitive software solution. OBS Studio is an application designed for gamers, artists, developers, or amateur users who enjoy creating tutorials and streams that they share over the Internet. Step 2: Installation procedure is quite simple. OBS Studio 26.1.1 (32-bit) OBS Studio is a free and open-source software for video recording and live streaming. Step 1: Download the Bluestacks 5 software from the below link, if you haven’t installed it earlier Download Bluestacks for PC. Let’s start our step by step installation guide. Download OBS Studio Full Crack for Windows 32 Bitįree Download OBS Studio’s latest offline installer for Windows PC is the most famous open-source software for video recording and live streaming. We are going to use Bluestacks in this method to Download and Install DroidCam OBS for PC Windows 10/8/7 Laptop. At busy Brooklyn street corners, the bustle of cars and chatter was overwhelming. On the street, it transformed the engine of every passing truck into a screeching gremlin. The Max’s implementation of Transparency mode, which pipes in a fluctuating, software-controlled amount of outside noise, works badly. Swiping up to increase the volume just feels right. For ease of use, I’ll take the touch controls on the ear cups of the Bose and Sony headphones. Also, its volume control feels backwards: counter-clockwise for louder, clockwise for quieter. The multifunction knob on the right earcup-basically, an enlarged version of the crown on the Apple Watch-is awkwardly placed and annoying to use, especially if you, like me, have long hair. Here’s a brief list of AirPods Max issues that annoyed me: The AirPods Max never technically turn off, which means that by the time you’ve pulled them up to your ears, they’ve already existed “ultra-low power mode,” and are ready to use.The Bose headphones and Sony headphones pair quickly enough, but it’s great to have the same instantaneous connection you get with most true wireless headphones on a more music-focused device. We also appreciated how quickly the headphones actually boot up. Not a normal use-case for me, but beware if you’re a cone-of-silence type headphone user. One small issue, though: when you aren’t listening to music or a podcast, you can almost hear the Max headphones working to erase background noise-it feels as if something deep in the headphones is physically moving.This is a problem you usually only see on much cheaper noise-cancelling headphones (often referred to as “ ear suck”), but it only rears its head when the headphones are on, but the music is off. Both the Bose and the Sony struggle in these kinds of contexts. When I wore them on an ill-advised walk during a blustery December day, the Max had no trouble smoothing out the blisteringly loud whips of wind. The AirPods Max, however, shine in situations with a higher-degree of difficulty. All three headphones do a great job of eliminating the kind of everyday noise you’d encounter working in an office-currently, the hum of my refrigerator. And once you start listening to music through the ear cups of the AirPods Max, you start to hear the cracks.īut when it comes to noise-canceling…the AirPods Max are also the best of the trio. But when it comes to headphones, beauty is in the ear of the beholder. The soft curves and brushed finish feel timeless enough that I wouldn't have been surprised to see them lying on the floor behind Jobs in that Time photo, The Shining–style. A little better than average when it comes to lighting a space.Īlmost 40 years later, the $550 Apple AirPods Max, a similarly jealousy-inducing, gorgeous piece of audio equipment, has begun to ship. The most striking element of the photo, besides the man who would become a tech prophet in his soon-to-be trademark outfit, is a massive Tiffany floor lamp, with an elegant stained-glass shade, casting a wide bloom of light across the shimmering wood floors. There's no furniture, no art on the walls. In the background, also on the floor, is a high-end sound system. Black V-neck sweater, simple jeans, no socks, sitting cross-legged on the floor. Restrictions and other terms apply.There's a famous photo of Steve Jobs, printed in Time magazine in 1982. No purchase necessary for current owners of eligible devices. Plan automatically renews at your region’s price per month until cancelled. Offer good for 3 months after eligible device pairing. ⁺ Offer is available for new subscribers who connect an eligible device to an Apple device running iOS 15 or iPadOS 15 or later, for a limited time only. ** AppleCare+ provides coverage for unlimited incidents of accidental damage from handling. ᴼᴼᴼ Battery life varies by use and configuration see /ae/batteries for more information. Sweat and water resistance are not permanent conditions. ᴼᴼ AirPods (3rd generation) and AirPods Pro (2nd generation) are sweat and water resistant for non-water sports and exercise, and they are IPX4 rated. iPhone with TrueDepth camera required to create a personal profile for Spatial Audio, which will sync across Apple devices running the latest operating system software, including iOS, iPadOS, macOS, and tvOS. Not all content available in Dolby Atmos. Works with compatible content in supported apps. ᴼ Compatible hardware and software required.
You can also make these strokes progressively darker until you feel you have the right balance between the light and dark areas. Shading Techniques and Stroke Types Drawing Tutorialĭarken the shaded areas by applying more layers of overlapping strokes. Applying strokes in this way will help you create a rough looking texture that oranges usually have.įor an explanation of different stroke types see: Start shading the orange with a a series of fairly short crosshatch strokes and be sure to leave some space between them. Step 3 – Orange Initial Shading Orange basic shading The shadow and darker area of the orange will be directly opposite of the main light source which in this case is coming from the upper left of the drawing. Now add some inner details of the orange like the tip as well as the surrounding “wrinkles”.ĭraw an outline of it’s shadow and optionally add some lines to indicate the split between the light and dark area. Step 2 – Orange Line Drawing Orange line drawing Next draw it’s outer shape (basically a circle) and use the center line to help you insure that both halves are relatively equal in width. As the orange in this example is slightly tilted you can draw a straight angled center line to indicate it’s tilt. Start the drawing with very simple construction line sketch. Step 1 – Orange Construction Line Drawing Orange construction line drawing This tutorial will focus on giving the orange a believable 3d looking shape as well as a rough texture of the skin of an orange. It does however have an interesting texture. This step by step tutorial shows how to draw and shade a realistic looking orange and includes detailed pencil drawing examples for each step.Īn orange has a fairly simple shape, basically a sphere. TI does not warrant that the Licensed Materials will be free from errors or will meet your specific requirements. Warranty: TI warrants that it has the right to provide the Licensed Materials.If you make copies, do not delete the copyright notice, trademark, or protective notices from the copies. Copyright: The Licensed Materials and any accompanying documentation are copyrighted.Absent such documentation, support shall be provided by TI. Support: Support for the Licensed Materials is described in the documentation that accompanies the software.You may not use the Licensed Materials on any emulator of a TI calculator unless the emulator is obtained from TI. You may not sell, rent or lease copies of the Licensed Materials. Restrictions: You may not reverse-assemble or reverse-compile the software program portion of the Licensed Materials that are provided in object code format.In addition to the copy resident on your calculator, you may keep a copy on your computer for backup / archive purposes only. License: Subject to your payment of any applicable license fee, Texas Instruments Incorporated ("TI") grants you a license to copy and use the software program(s) on a TI calculator and copy and use the documentation from the linked web page or CD ROM (both software programs and documentation being "Licensed Materials").TEXAS INSTRUMENTS APP SOFTWARE LICENSE AGREEMENTīy downloading the software and/or documentation you agree to abide by the following provisions. If you have a color preference, please note that in the comments section when you place your order, and we will do our best to match your request. How Are Heathergems Made The making of heathergems is a precise, painstaking process perfected by Scottish artisans over a long period of time. The unique process in which they are made continue to fascinate our. Each organizer holds 14 capsules split between AM and PM sections, clearly marked for the time of the day and day of the week. Heathergems are made from the stems of the heather plant in Pitlochry, Scotland. Not to be confused with sudoku, the Sukuos Large Daily Pill Cases is comprised of seven circular cases that fit into one big cylindrical case. Please understand that because each piece is unique, Heathergems colors will vary, and the colors displayed are catalogue images. That means heathergems are only manufactured in Scotland, which is just one of the many things that make them stand out from other forms of jewelry. Established in the 1950s, Heathergems is a unique and imaginative range of Scottish jewellery and giftware, made in Pitlochry, Scotland from natural. Sukuos Weekly Pill Organizer 7 Day 2 Times a Day. This creatively colorful Scottish Gift will bring a piece of the Highlands to you. Heathergems is a unique and imaginative range of Scottish jewellery made in Scotland from natural heather stems.Christmas is coming, and that means it is time to show your loved ones what they mean to you, And what better way than by gifting them some sustainable, handcrafted Scottish jewellery from Heathergems But if you are struggling to choose from our range, we’re here to help.The end result: beautifully colored natural Heathergems, which are then set into finely made gifts.Įach Heathergem is uniquely beautiful, and there are not two alike. Heathergems Scottish Jewellery Made From Heather. The block is then cut and the pieces are shaped, sanded and lacquered. Scottish gifts and accessories also available. Shop pendants, earrings, brooches, gifts, bangles and bracelets. Browse beautifully handcrafted jewellery made in Scotland with natural heather. Supplied in a gift box with a story card. Due to the nature of the process, no two Heathergems are the same making it a very individual, personal gift. Heathergems are uniquely Scottish and a beautiful reminder of our landscape. The older heather is harvested from the hillsides, cut, cleaned, dyed and compressed into a block. Handcrafted Celtic Brooch online at Heathergems. Beautifully crafted mens razor with a Mach3 razor. Shop pendants, earrings, brooches, gifts, bangles and bracelets available in sterling silver, silver plated and pewter. These beautiful gems are made of natural heather stems from the central Highlands of Scotland. Heathergems provides beautifully handcrafted jewellery made in Scotland with natural heather. Guests will receive 10% off in the Heathergems shop.Scottish Gifts with natural Heathergems. Located in the very heart of highland Perthshire, Pitlochry makes the ideal base for walking, biking, golfing and watersports and is well placed for touring in all directions. Well equipped kitchen with oven, hob, microwave, fridge (freezer compartment) and washing machine.ĭouble bedroom, twin bedroom and family shower room. Open-plan living area with ample comfortable seating and dining table seating four. Heathergems visitor centre and shop offers visitors the opportunity to witness the fascinating process behind their unique jewellery and gifts created using natural heather stems.Īccessed via an external staircase this bright and welcoming apartment enjoys views across the high street and heather clad hills beyond. Sleeping 2-4, this welcoming and comfortable first floor apartment provides convenient self-catering accommodation in the very heart of Pitlochry. Lightboard Operator (portrayed by Matteo Borghese).Keyboardist (portrayed by Theodore Shapiro).Rock Guitarist with long hair (portrayed by Dan Teicher).Rock Guitarist (portrayed by Ryan Levine).Ely The Drummer (portrayed by Davey Jones).Bass Guitarist has shades (portrayed by Eugene Cordero).Fernando the Janitor (portrayed by Jaime Pacheco).Jonathan the Theater Manager (portrayed by Michael McDonald).Martin Heiss (portrayed by Bill Murray).NY1 News Anchor #1 (portrayed by Pat Kiernan).Graffiti Artist (portrayed by Nate Corddry).Rental Agent (portrayed by Katie Dippold).Dean Thomas Shanks (portrayed by Steve Higgins).Dean Harold Filmore (portrayed by Charles Dance).Higgins Student 2 (portrayed by Ben Harris).Higgins Student (with red shirt) (portrayed by John Milhiser).Phyllis Adler (portrayed by Elizabeth Perkins).
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