Embrace home loans6/12/2023 ![]() ![]() An underwritten preapproval can potentially help you stand out when you make an offer on a house, since the seller can be confident you'll be able to close on the sale. This makes it less likely that your financing falls through when you have an offer accepted on a house and apply for full approval. With this level of preapproval, the lender verifies all of your financial information. Mortgages for borrowers with recent bankruptcies, foreclosures, or other negative events on their credit reports.Įmbrace also has Approved to Move, which is what it calls its fully underwritten preapproval.Options for borrowers (such as self-employed individuals or real estate investors) who need to use 1099s or bank statements to prove their income instead of the standard W-2s that lenders typically require.Its FHA offerings include FHA 203(k) loans, which let borrowers finance the cost of repairs and renovations into their mortgages. It also has 51 physical branches, mostly located along the East Coast.Įmbrace Home Loans offers conforming, FHA, VA, USDA, jumbo, and Beyond by Embrace mortgages. Embrace Home Loans lends in all 50 states and Washington, DC. You can get started with Embrace Home Loans online, over the phone, or through its convenient mobile app. Embrace doesn't offer any kind of home equity loan options. NBKC does offer HELOCs, but only to residents of the Kansas City metro area. If you have a recent negative event on your credit report, Embrace's Beyond mortgage program might be a better fit for you. However, you'll need a decent credit score, since NBKC requires borrowers to have at least a 640 score on its conforming loans. NBKC Bank is a good lender for borrowers looking for a simple online application process. Conforming, FHA, VA, USDA, jumbo, Beyond by EmbraceĬonforming, FHA, VA, construction, mortgages for pilots, HELOC ![]()
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Email etiquette and netiquette6/11/2023 ![]() ![]() If you are interested in learning more student success tips, follow our blog and our Facebook and LinkedIn pages for daily ideas and suggestions. Give them the benefit of the doubt.Īt UTEP, your success as a student, whether online or in the physical classrooms, is our priority. If you’re offended by something another student says online, keep in mind that you may have misunderstood their intentions. Make a point to read them every time, as they can vary from class to class. Just as your online college posts guidelines related to academic integrity and student expectations, online forums also have rules of conduct. Don’t share personal information about yourself in a public online forum, especially something that could put your safety or security at risk. Remember, if it’s on the internet, it’s everywhere.Don’t give out another student’s personal email address without permission. In casual chatroom settings, emoticons can help convey feelings that may otherwise get lost in translation, including humor, exasperation, exhaustion and even confusion. Please don’t take advantage of your connection with the other students in your online classroom to forward emails and links regarding your political/spiritual beliefs or to sell your services. With this in mind, review what you wrote before contributing to the conversation and ask yourself, “Will everyone get the joke?” In contrast, your online classroom is made up of people of all ages and cultures who have varied backgrounds, lifestyles and geographic locations. Sarcasm and wit is often the spice of in-person conversation, but in online discussion, it can not only lose its edge, it can bite! In your high school classroom, all students were the same age, came from similar backgrounds and lived in the same area. Don’t assume everyone understands where you’re coming from.When you’re working online, you’re safe behind a screen, but that’s no excuse to be ill-mannered or say things you would never say in public. If you wouldn’t say it face to face, don’t say it online.All caps (“I’M SHOUTING”) and exclamation points (“Give me a break!!!”) can be misinterpreted as intense anger or humor without the appropriate context. In writing, we must strive twice as hard to be understood, as we do not have the benefit of modifying or elaborating in real time. When we speak face to face and are misunderstood, we have an on-the-spot opportunity to rephrase our words. Review what you wrote and try to interpret it objectively.Begin with a salutation (“Hi, Jason!”) and end with your signature (“Hannah Kay, Criminology 101”). Make sure identification is clear in all communications.Here are 10 rules of netiquette that will help you successfully communicate as you learn online. But how do you express yourself online, where the written word is all they see?ĭuring your online degree program, you will frequently be asked to participate in online discussions and will occasionally do peer reviews of your classmates’ work. In the classroom, your words, gestures, posture and facial expressions communicate your thoughts and observations to your classmates and teachers. The rules for online learning and classroom learning are virtually the same: You have to study, take notes, attend classes and participate in discussions. Netiquette, which is a portmanteau of “net” and “etiquette,” refers to using courtesy and politeness when communicating with others online. ![]() ![]() Effective communication is key to success in online education, and that’s where the term “netiquette” comes in. ![]() Turkey coloring pages6/11/2023 ![]() Check them out yourself below! Hope you have a good time with these turkey coloring pages. These printables are considerably harder than those intended for kids. ![]() If you're an adult and want to join the fun, I've also included some turkey coloring pages for adults. There are also a couple of turkey coloring pages color by number. Coloring these turkey printables would definitely help their hand and eye coordination, allowing them to learn to write faster. Even for young children who just started to learn to write. Many of them are made for children, which means they're simple and easy enough to color. There are nearly 40 turkey coloring pages in this post. Choose from Native American coloring page, Pilgrims, turkeys, pumpkins, turkey dinners, Thanksgiving cornucopias, friendly feasts and Thanksgiving invitations. Now, if you want to get some nice turkey coloring pages, you can find them in this post. They have a whole page describing many funny unknown facts about this big bird. This free printable turkey coloring page is a great activity for kids of all ages. If you want to know more fun facts about turkeys, you should check out. It wouldn't be too funny that a superpower country like United States of America has a national symbol in the form of a commercial livestock. Did you know that Benjamin Franklin once to make the wild turkey, not the Bald Eagle, the national bird of the United States? The reason? Well, it doesn't take a genius to see that turkeys are the most popular bird in North America. Now if you already know all that, how about this. These breeds are like Black Spanish and Bourbon Red. They're so beautiful, they are priced for as much as $200. However, did you know that not all turkeys are bred to be a commercial meal production? Some turkey breeds are good enough for enhancing beauty of your home. Those are the times when these flightless meaty birds get served the most in our dining table. There you’ll find a whole lot of different. To grab the whole set, visit our membership library and have the young ones color them all. If this isnt enough, you can find more Thanksgiving coloring pages for this time of year including free turkey coloring pages and fall coloring pages. These are simpler coloring pages that are great for the little ones in your home or class. ![]() We prepared ten free turkey coloring pages for your students to begin. These Thanksgiving coloring pages can also be an excellent way to introduce the kids to the history of Thanksgiving in a fun way that will catch their attention. Among all the free Thanksgiving coloring pages here you'll find pictures of cornucopias, pilgrims, Thanksgiving meal, ships, pies, and turkeys that your child can color. People are used to associating turkeys with fall, and more particularly, Thanksgiving. 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This Slither Snake dancing line 2021 music game you can play dancing line with Piano Music or guitar music and combines various instruments which are guitar 2021, drum, and especially piano! Moreover, this is one of the popular piano games which has high-quality piano songs and beautiful gameplay. Trust your ears than your eyes to dance the line! Tap the screen to make a sharp steer, avoiding obstacles and reach to the destination before you can see. Listening carefully to the music dancing line 2021, and it will guide the slither snake through a changing environments. ![]() Dancing Line Cm is a game that you can play it with Piano Music or guitar music and combines various instruments which are guitar, drum, and especially piano. ![]() Ccleaner malware 64 bit version6/11/2023 ![]() ![]() We plan to be issuing more communication about this as we go. The threat was real, but to the best of our knowledge, it was fortunately mitigated before it could do any harm. The threat was first discovered and reported to us by researchers in a security company called Morphisec (thank you!). ![]() And, I should probably also say that it wasn't Cisco who first notified us about the problem. To that end, we don't consider the advice to reformat and/or restore the affected machines to the pre-August 15 state to be based on facts (by similar logic, security companies are not usually advising customers to reformat their machines after a remote code execution vulnerability is identified on their computer, just because there was a hypothetical possibility that something might have gotten in).īTW, I have to say I was quite disappointed by the approach taken by the Cisco Talos team who appears to be trying to use information about this incident to drive marketing activities and piggyback on the case to increase the visibility of their upcoming product. And that's great news, as it means that despite the high sophistication of the attack, we managed to disarm the system before it was able to do any harm. We also asked our colleagues from other security companies, but haven't heard anyone seeing anything suspicious either. the only malicious code present on customer machines was the one embedded in the ccleaner.exe binary itself. Based on this analysis, we can say with high confidence that to the best of our knowledge, the second stage payload never activated, i.e. Now, the good thing is that about 30% of CCleaner users also run Avast security software, which allowed us to analyze behavioral, traffic and file/registry data from those machines. (By that time, the secondary CnC servers (the DGA domains) were already sinkholed as well, so that technically cut the attackers off their ability to control the backdoor).Īt the same time, we wanted to understand whether the second stage payload could have already activated before the threat was discovered. Given how difficult these things tend to be, we consider this a very good result and I don't see how we could have done it any better. ![]() The CnC server was taken down on September 15, three days after we first learned about the incident. For that reason, we first focused on fully understanding the malicious code and disconnecting the bad actors from their ability to control the backdoor, i.e. The #1 priority for us was to protect the CCleaner customers and minimize the actual customer impact of the incident. 6 days ago) we started working on it and have been working on it around the clock since then. Immediately after we first learned about something wrong with the CCleaner product (which was on September 12, i.e. We have good evidence that the attack started at least several weeks before the acquisition. Avast acquired a company (Piriform) which was in the process of being hacked. This is a statement based on a pretty thorough analysis, partially shared below and partially still embargoed because of the ongoing investigation. This is really not about downplaying the issue. I just had a chance to read this thread and I'm a bit horrified as I think that there's quite some misconception about what actually went on.įirst of all, the bottom line is: to the best of our knowledge, no harm was done to any CCleaner users as the threat was removed before it had a chance to fully activate. ![]() Retractable key holder6/11/2023 ![]() Local pickups and combined shipping options are not provided at this time.Return You can return a product for up to 30 days from the date you purchased it. ![]() We only ship to the lower 48 states, no APO/FPO addresses or PO Boxes allowed. We use a selection of shipping services such as UPS, FedEx, USPS etc. ![]() Includes Carabiner.Shipping We offer FREE shipping on all orders! We ship within Three business days of payment, usually sooner. Attach and hang a pair of pliers, flashlight, screwdriver, pocket knife, box cutter, multi-tool, measuring tape or one of dozens of other easy-access on-hand options! 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