![]() having consecutive cards) gives you twice the odds of pulling the needed card as if you need a card in between two others. Needing a card at either end of a run (e.g. For example, if you have the 3 of clubs and 3 of diamonds along with the 4 of clubs then you can make a set or run by landing any of the following cards: Try to keep in your hand cards which provide you multiple ways to win. Ace through 5) so that you are not carrying much deadwood if your opponent knocks early, but if you can make sets or runs of higher cards early in the game they are fine to have. You generally want to have cards which skew lower (e.g. The longer the game plays for the more you should be willing to knock as soon s you can because your opponent might be near having a hand with zero deadwood.
0 Comments
![]() Here are the main types, and their pros and cons:įixed-rate mortgage:In a fixed-rate mortgage, your interest rate remains the same over the life of the loan. Mortgages come in a wide variety to suit home buyers’ circumstances. A credit score can range from 300 to 850 generally a high score means you'll have little trouble getting a home loan with great terms and interest rates.įor an instant estimate of what you can afford to pay for a house, you can plug your income, down payment, home location, and other information into a home affordability calculator. It’s based on whether you’ve paid your credit card bills on time, how much of your total credit limit you’re using, the length of your credit history, and other factors. Lenders will also review other aspects of your finances, including the following:Ĭredit score:Also called a FICO score, a credit score is a numerical rating summing up how well you’ve paid back past debts. As a general rule, to qualify for a mortgage, your DTI ratio should not exceed 36% of your gross monthly income. ![]() To calculate your DTI ratio, divide your ongoing monthly debt payments by your monthly income. Your debt-to-income (DTI) ratio is the percentage of gross income (before taxes are taken out) that goes toward your debt. Lenders will compare your income and debt in a figure known as your debt-to-income ratio. Lenders look closely at applicants who owe a large amount of debt, since it means there will be less funds to put toward a mortgage payment, even if their income is substantial. Lenders may check not only your income for the current year, but also for past years to see how steady your income has been.ĭebt:This is the total amount you owe to credit cards, car payments, child support, college loans, and other monthly debts. Your income:How much money you bring in-from work, investments, and other sources-is one of the main factors that will determine what size mortgage you can get. Here are the main things they review to determine how much you can borrow: When you apply for a mortgage to buy a home, lenders will closely review your finances, asking you to share bank statements, pay stubs, and other documents. ![]() land (where about one-third of Americans live) is located within USDA loan–eligible boundaries. While many assume USDA loans are just for farms or extremely remote areas, 97% of U.S. USDA loans:The United States Department of Agriculture offers loans in rural areas to borrowers with low to moderate incomes. In addition to putting no money down, borrowers also get lower interest rates and other fees. military (and qualifying family members) can get loans backed by the U.S. VA loans:Current and former members of the U.S.It’s ideal for first-time home buyers who lack the money for a large down payment. But if you don’t have 20%, you can put down as little as 3.5%, or in some cases 0%.įHA loan:These loans are backed by the Federal Housing Administration, which means you can put down as little as 3.5% of the price of the house. To get the best mortgage interest rates and terms, you’ll want a down payment amounting to 20% of a home’s sale price. ![]() For now, the easiest way to learn them is to just practice! Start with simple up-and-down scales ( do to do) and three-note arpeggios ( do-mi-sol-mi-do, re-fa-la-fa-re, etc.). These chromatic hand signs pictures are perfect for kids in elementary music class, or in middle school choir. Later on, when we look at note tendencies and resolutions, we’ll examine why each note’s solfege hand sign looks the way it does. The Kodaly method uses these solfege hand signs for a few important reasons, but for novice singers they can simply be helpful in learning the basics of solfege. Solfege (or Sol-fa), Glover, Curwen, and Kodaly hand signs are used in music to represent the different pitches of a tonal scale. Ti – Make a loose fist, but point the index finger upward at about a 45-degree angle with the ceiling. ![]() ![]() La – Curve the hand gently, with the palm and fingertips facing the floor. Sol – Straighten the fingers so that the hand has the same shape as in mi, but tilt it so that your palm is directly facing you. Mi – Keep the same hand shape, but move your hand so that it is parallel with the ground.įa – Making a loose fist with four fingers (palm facing downward), extend your thumb and point it downward, almost perpendicular with the rest of the hand. Re – Straighten your fingers (keeping them together), and bring your hand up to make a 45-degree angle with the ground. Begin with your hand at about the level of your sternum, and make the following shapes as you sing each note of the major scale:ĭo – Make a fist with your palm facing down. Using the solfege hand signs simply requires keeping one hand free while singing whichever one you like is fine. All of the hand signs can be produced using one hand, and can be helpful for singers who are new to the solfege system. The idea behind the solfege hand signs is simple: each tone of the seven-note solfege system is given a shape for the singer to make with his/her hand while singing. The solfege hand signs (also called the Kodaly hand signs or the Curwen hand signs) were originally developed by John Curwen, but popularized through their use in the Kodaly method. The Kodaly method uses movable- do solfege, which we’ve discussed before, and adds one fantastic tool to the system: the solfege hand signs. This is a terrific visual aid for the classroom teacher or choir director. One theorist in particular, Englishman John Curwen, gave Kodaly his ideas about solfege. A set of 18 solfege handsign posters that includes raised and lowered notes. Kodaly borrowed many of his ideas about teaching music from other pedagogues, including theorists in Britain and Switzerland. The Kodaly Method involves many different educational aims and subjects, and was primarily designed to make music education in Hungary’s elementary schools more effective. One of the most popular and well-known music teaching methodologies is the Kodaly Method, developed in the mid-twentieth century by Hungarian composer and music teacher Zoltan Kodaly. The solfege system as we know it dates all the way back to the 1800’s, and makes its way into many different methods of teaching singing and aural skills. Therefore, use more or less depending on spice preference.
![]() Have you noticed Google search results getting worse? You’re not alone. Use DuckDuckGo to get a better online experience. In contrast, our browser lets you search and browse like you’re used to, but (unlike Google) we never track you and our browser helps block Google’s trackers and those from other companies that operate other online tracking networks like TikTok and Meta (Facebook). For decades, Google has been tracking your searches, embedding trackers in the Chrome browser, and hiding even more trackers on the most-popular websites. Ever see ads so creepy it feels like your phone is listening to you? Or notice ads following you around for something you searched for once? If you’re wondering who to blame, it’s probably Google. Use DuckDuckGo to get more privacy online. Our list of trackers is open source, along with the list of exceptions we make to preserve usability. Other browsers offer some of these by default, like cookie and fingerprinting protections, but we also provide many other protections that most browsers do not offer by default, like 3rd-Party Tracker Loading Protection, Global Privacy Control, Link Tracking Protection, CNAME Cloaking Protection, Google AMP Protection, and more, which all help cover different tracking angles. That’s also why we offer multiple types of web tracking protections. To be effective, our protections continually evolve to mitigate this while avoiding website breakage. ![]() No service can eliminate all hidden tracking or all profiling online because trackers are always trying to evade specific protections. And when you leave our search engine and use our browsers or extensions to visit other sites, we aim to protect your privacy as much as possible. The payoff for the real ending is well worth it, in my opinion. I only really had difficulty with one of the bosses towards the end of the game. The regular game is not particularly difficult. Maybe at the level of Quiet needing her skin to be touched by the sun and water but at the same time it is kind of coherent with the universe.Īfter all the backtracking (that I hate with a passion in general) there is a good story and gameplay. ![]() A lot of the fanservice has an explanation. Yes, it is inconvenient but at the same time it tells you that the game is trying to be faithful to the concepts it tries to convey. Afterwards you have to wait until a special pod is activated so the information can be uploaded to HQ. There is a reason behind why you can't save at the beginning and that's because the android's consciousness is supposed to be uploaded for saving. A couple of months later decided to go back and this time I actually finished. ![]() First time I couldn't go through the second playthrough so I dropped it. Hell LODs is basic 3D game development.the software is free.I played this game kind of recently. Technological Budget - We know they have a compression algorithm.we just need them to step it back a bit and start with 1024 textures where possible. Money Budget - The artists get paid for making the high res pressing them is just a machine. Taking some textures from 512x512 to 409x4096 has a negligable impact on performance.going to 1024x1024 wouldnt suddenly make the PS4 sweat. Performance Budget - The game uses like 1GB of VRAM PS4 has 3 at its disposal. So budget in every sense of the word doesnt excuse Nier. The textures start at like 4K or higher cuz imagine drawing detail at 512x512 or less, the 3D models are multimillion polygon, the Audio is raw uncompressed etc etc.after finalizing what you are going to use, you then compress/decimate/reduce until the assets fit within your performance3 budget.Įven a low budget mobile game will have ridiculously detailed high poly models at some point.just look at any 3d art devs art station or website, you will find assets that are CGI quality that they decimate and apply a normal over to make it fit in the phone or whatever budget. Make no mistake in most if not all 3D game development everything starts at "EVERYONE!" level quality. Its also the only explanation i have for them having prerendered cutscenes that look worse than the gameplay even though in engine.their original potato wasnt able to make the cutscenes.PS4 clearly can.Įven a lower budget game will still have artists start with high quality assets. (on PC the GI setting is way to high, we arent offline rendering mate) Instead of looking at their low res textures, low normals, lowpoly count.they instead utilized the extra power by simply bumping up the GI. ![]() To me it seems like they were aiming very low with the target machine then somewhere along the line after most of the final code and assets were finalized they realized the PS4 is more powerful than the potato they were planning on releasing on. ![]() Heck they dont even have to have gone completely mad and simply included 1024 x 1024 textures and NOT completely decimated them with compression and Nier:Automata would look substantially better. Now thats with textures that dont have dev level compression. Pair this with lowering the GI bounces and any modern GPU doesnt even notice. The performance impact of upping the texture resolution so? = 1 - 5 frames per second. This mod uses 4096x4096 textures.the base game uses 512x512. The thing is from the high level textures to what made the game is actually a huge jump(down) in quality.so someone had the "expertise" to compress the textures to blur level.just compress them less for surfaces that the player might stare at alot the performance loss is nothing. They already have the high quality textures.a few steps down in compression and the performance difference would be negligible. |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |