Includes leading, organizing and presenting Steer-Co and Ex-Co materials to effectively communicate program progress and risks. Responsible for maintaining the governance framework, to ensure proper oversight, engagement, and reporting across all impacted work streams of the open banking roadmap within Tangerine and BNS.Define and develop strategic roadmap that aligns to the open banking industry specifications and aligns Scotiabank and Tangerine technology roadmaps.The Director needs to champion idea generation with business, channels, and vendor partners through formal and informal methods. The incumbent must maintain a deep knowledge of evolving trends and latest advancements in technology, payments, open banking, retail products, strategy, and management to develop innovation solutions and approaches. The Director will collaborate with the IT Leadership Team and business stakeholders to scope out ambitious projects and utilize Agile Test & Learn to deliver new capabilities, improve workflow and accelerate the delivery of product and services that lead to a higher customer satisfaction and corporate targets. This involves leading Open Banking governance and strategy, prioritizing the Data Provider and Data Receiver work, representing Bank at industry on open banking and ensuring the implementation of the delivery meets the regular and risk standards. The Director, Open Banking and Strategic Initiatives is responsible for developing, managing and delivery of the Open Banking capabilities for Tangerine and Scotiabank to meet the regulatory environment and create the foundation architecture to drive innovative business value. It’s important to us that our employees feel empowered and enthusiastic about belonging to our Orange culture. We focus on making a difference in our communities, and that includes our own internal community. The reason why Tangerine employees come to work each day is to help Canadians live better lives. We offer flexible and accessible banking options, innovative products, and award-winning Client service. Tangerine is Canada’s leading direct bank.
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With age, these snakes become majorly terrestrial, which is due to their bodies becoming heavier over time. These reptiles are semi-arboreal, sometimes foraging by climbing into bushes and trees. Hog Islands boas, similarly to other boa imperators, are known to prefer to lead a rather solitary life, avoiding interaction with other snakes, with the only exception being the mating season. These snakes are reported to live for over 20 years in captivity. However, the preferred type of habitat for Hog Island boas is tropical rainforests, where these reptiles can find reliable cover from predators, while also feasting on plenty of prey, and enjoying proper humidity and temperature levels, especially as compared with arid desert habitats where other boa imperators can be found. Native to Cayos Cochinos (Hog Islands), these snakes are known to acclimatize fairly well to a variety of environmental conditions. constrictor species.īoa imperator subspecies occupying Colombia are also known to include a number of dwarf insular populations, representing the smallest members of boa imperators globally, occupying the Sonoran Desert, as well as various Caribbean Islands. Nicaraguan boa imperators are smaller in size than B. imperator populations that are native to the Hog Islands ( Cochinos Cays), off Honduras’ northern shore, other boa imperator populations include those found in Nicaragua. Typesīeing an island variety of common boa, and therefore, often confused with common boas, Hog Island Boas are non-venomous snakes that belong to the Boidae family, Boa genus.Īpart from the B. Unlike boa constrictors, Hog Island boas have fewer anal and dorsal scales. The tail coloration can range from orange to salmon-pink. Male Hog Island boas appear somewhat slender, while females are bulkier and heavier-bodied. As compared to other species, the scales of these island snakes are much softer and smoother. Depending on their mood, temperature, health, as well as day/night cycle, the body coloration of Hog Island Boas can change. Over ear headphones can come in many different varieties. In 2020, bluetooth headphones were the featured products in the audio section in the world’s largest consumer electronics trade show, Consumer Electronics Show (CES). With the use of advanced bluetooth technology, wireless headphones have been the favorite of many recent consumers. Over ear headphones, also known as circumaural headphones, are used more frequently in a professional environment such as by audio engineers, recording artists and studios, and wireless communication. Over-ear headphones are headphones that encase the entire ear with the earmuff and speakers. Types of headphones explained on Wire Realm Phone connector on Wikipedia (for more information on 3.5mm vs. Some professional gear uses 6.35mm (1/4 inch) connectors, but if you’re not sure, it’s probably 3.5mm. Tip: most products with headphone jacks require a 3.5mm (1/8 inch) headphone connector. If you want to optimize for repair and make your money last, look for headphones with replaceable cables and earpads. The earcups also wear out as they rub against our sweaty, oily ears. If you can’t hear sound from one or both of the sides of your headphones, try replacing the cable first. Cables get caught and yanked and usually break long before the body of the headphones. The most common issues with over-ear headphones come from the cables (unless you have wireless headphones of course) and the earpads. Some on-ear headphones have flat sides and others use small earcups-the cushy ring that sits on your ears-to add padding. On-ear headphones are generally lighter and smaller than over-ear headphones thus, they can be more comfortable as long as the sides do not press too hard on your ears. For technicality’s sake, this design is also known as the “supra-aural” style. On-ear headphones are a style of headphones that sit on the outside of the ear as opposed to over-ear headphones which fully surround the ear or in-ear headphones which fit inside the ear. Likewise, sound producing buds that sit in the ear canal, either with an audio cable or bluetooth capabilities are likely the earbud varietal of the headphone. If your device consists of two sound producing ear-cups joined by a band that sits over the top of the head, it’s likely a pair of headphones. Headphones have had a fairly consistent design for much of their lifespan. It’s amazing, the transition another 60 years would bring to get us to the wireless earbuds we see today. The portable earbud we’re familiar with was adapted from the hearing aid, and a lot of hardcore computing in the 60’s. Koss and Martin Lange developed the first stereo, high-fidelity headphones, the SP/3, as an afterthought from a failed attempt to develop a portable photograph. Then in 1958, when headphones had primarily been used by the government or professionals in the telephone/radio industry, John. These early headsets were uncomfortable, had poor sound quality, and in the case of early radio applications carried high voltages and posed a shock risk to their users. Headphones as we know them originated from an adaptation of the telephone earpiece, with the first working set being developed in 1910 out of Nathaniel Balwin’s kitchen. More simply, headphones enable acoustic enjoyment of computers, media players, and home stereo systems, via cable, Bluetooth, or Wi-Fi. Headphones are electro-acoustic transducers for converting electric signals into sounds. Make a note of any existing settings in case you need to revert back. Select Internet Protocol Version 4 ( or IPv6 if desired) and click on “Properties.” IPV 4 properties Then click on “Properties.” Wireless connection properties Right click on your current connection, this will either be Local Area Connection or Wireless Network Connection based on how you’re connecting. Run Control Panel WindowsĬlick on “Network and Internet” and then “Network and Sharing Center.” On the left-hand side, click on “Change Adapter Settings.” Change adapter settings In Windows simply open up Command Prompt by pressing the Windows logo key and R. Google and Cloudflare aren’t perfect 100% of the time and there have been a few instances where we’ve noticed switching back has resolved the issue. Tip: If you’re already using a free DNS server and having issues, removing it and defaulting back to your ISP’s DNS servers also sometimes fix things. If you want to use Google’s the steps are the same, you simply replace the DNS server addresses with Googles.
The project to widen the Alligator Alley from two to four lanes was completed in 1992, and tolls were slated to be removed at that time. Although the Alley runs from east to west, Interstate 75 is signed with north / south banners. There really are alligators hanging out in the canals and waterways along Interstate 75, especially through the Big Cypress National Preserve… This is the only toll road along the entire length of I-75, though there is a toll bridge in Michigan and tolled Express Lanes. Leaving South Florida, Interstate 75 follows Alligator Alley, a toll facility linking the Miami metropolitan area with Naples and Fort Myers. Currently, there are no plans to extend Interstate 75 southeast along the SR 924 (Gratigny Parkway) and SR 953 corridor. This freeway would extend south to meet SR 112 (Airport Expressway) and SR 836 (Dolphin Expressway). A portion of the freeway between SR 826 and I-95 was eventually constructed however, it was built as a toll road (Gratigny Parkway) and not included in the Interstate highway system since it did not meet another Interstate at its end.Ī planned freeway, not yet acted upon, would parallel SR 953 (LeJeune Road) south along a former railroad right-of-way to the east, ultimately connecting SR 924 (Gratigny Parkway) with another freeway but not an Interstate. Due to local opposition, the planned easternmost leg was cancelled, and I-75 truncated to end at SR 826 (Palmetto Expressway). As a result of using the Alligator Alley, I-75 was too far north to meet I-95 in Downtown Miami, so it was rerouted to meet I-95 in North Miami via SR 924 through Opa-Locka to Exit 9. 41 corridor, which mostly remains as a two lane highway today. 6 This avoided the environmentally sensitive U.S. The route was changed sometime in the mid-1970s it may have been as late as 1977 when I-75 was relocated to the Alligator Alley (SR 84). However, with pressure to upgrade the tolled Alligator Alley (old SR 84) to a superhighway, Interstate 75 was extended instead along that route. When this was considered, I-395 was still to remain as is and FDOT maps confirm that the southern spur to Miami Beach was to remain Interstate 395. I-75 would have followed SR 836 (Dolphin Expressway) west past Florida’s Turnpike (Homestead Extension) and overlaid U.S. When plans for extending I-75 south of Tampa were first concocted, the route was planned to begin at the Midtown Interchange between I-95 and I-395 near Downtown Miami. This was not the original planned southern terminus. Interstate 75 begins at a relatively innocuous location, the interchange of Florida State Road 826 (Palmetto Expressway) and Florida State Road 924 (Gratigny Parkway) in Hialeah, just northwest of Miami. Several segments of I-75 are also six lanes wide in Kentucky, Ohio and in Lower Michigan.Ī number of U.S. With the exception of Alligator Alley between Southwest and South Florida, all of I-75 is at least six lanes wide from Hialeah, Florida to Chattanooga, Tennessee. Well traveled for the bulk of its course, Interstate 75 has enough traffic to justify six lanes in most locations. A sentimental favorite of AARoads, annual road trips from the Midwest south to sunny Florida makes Interstate 75 a most enjoyable journey. I-75 connects several major metropolitan areas including Miami in South Florida, the Tampa Bay region, Atlanta, Chattanooga and Knoxville in Tennessee, Cincinnati and Toledo, Ohio and Detroit, Michigan. Interstate 75 is a major transportation corridor, linking the Southeastern U.S. Overland Expo, one of the world’s premier event series for adventure motorcyclists and overlanders, has something to offer to everyone attending it.Īttendees can expect the trade show to be packed with interesting activities and excellent shopping gear. Similarly, vendors serving the overlanding community can grow their businesses at the Overland Expo event by selling their goods and services. If you want to explore camping gear, bikes, vehicles, services, and more, you can check out the wares of several hundred vendors at the event. Whether you’re a buyer or seller, there is something for everyone. The Overland Expo is for anyone who has an interest in a self-sustained outdoor lifestyle, specifically overland and adventure travel.
Wait at least 2 full years from the day you are discharged from bankruptcy to apply for a TD mortgage.Never miss a payment or max out a credit card or line of credit. Keep them open and active for at least 2 years.Have at least 2 different types of credit, like a credit card and a personal loan.To re-establish your credit as quick as possible and help you qualify for a TD mortgage, make sure you follow the “Rule of 2:” The good news is that TD Canada Trust is one of the few Big 6 Banks to offer a secured credit card to help rebuild your credit after financial trauma, like a bankruptcy. You still need to meet the basic mortgage qualification criteria required of all applicants. If you have gone through a bankruptcy in the past, make sure you have been discharged for at least two full years and have re-established your credit before you apply for a TD mortgage. Generally speaking, most of Canada’s Big 6 Banks, like TD, can approve a mortgage for previously bankrupt applicants. You can use the Hardbacon CMHC Mortgage Insurance Calculator to see how much your premiums will be before you apply for a TD mortgage. Most high ratio mortgages are insured through the Canadian Mortgage and Housing Corporation (CMHC), commonly referred to as a “CMHC Mortgage.” Insurance premiums are calculated based on the purchase price of the house and the size of your down payment, then added to your total mortgage loan and subject to mortgage interest charges. Mortgage default insurance protects TD Canada Trust from loss if you default on your mortgage and it goes into foreclosure. This type of mortgage is often called an “insured mortgage.” A high ratio mortgage, where the down payment is less than 20% of the purchase price, requires mortgage default insurance. If you do not have a 20% down payment, you can apply for a special high ratio mortgage through TD with a down payment as little as 5%. To qualify for a conventional TD mortgage, you need to provide a down payment that is at least 20% of the purchase price. You can find out if you pass the mortgage stress test before you apply for a TD mortgage by using the Hardbacon Mortgage Qualifier Calculator. Nobody wants to lose their home, and TD does not want to take it. The mortgage stress test protects you and the lender from loss. TD is legally obligated to prove whether or not you pass the stress test, and cannot approve your mortgage if you fail. The test is meant to ensure that you could still afford to live in your home should mortgage interest rates increase and make your payments bigger down the road. In order to pass the mortgage stress test, your total monthly payment obligations must not exceed a certain percentage of your gross monthly household income under both the current rate and the pretend higher rate. The calculation is done twice using the current mortgage interest rate offered by lender, and again using a higher fictitious rate set by the OSFI to simulate a “worst case scenario,” should mortgage rates increase in the future. It measures your monthly debt payment obligations, your potential monthly mortgage payment, and other monthly homeownership costs against your gross monthly household income. The mortgage stress test is a federally mandated mortgage qualification requirement that TD Canada Trust, and every federally regulated mortgage lender, must confirm in order to approve your mortgage. Continued abuse of our services will cause your IP address to be blocked indefinitely. Please fill out the CAPTCHA below and then click the button to indicate that you agree to these terms. If you wish to be unblocked, you must agree that you will take immediate steps to rectify this issue. If you do not understand what is causing this behavior, please contact us here. If you promise to stop (by clicking the Agree button below), we'll unblock your connection for now, but we will immediately re-block it if we detect additional bad behavior.
So, use your buy now, pay later apps cautiously and avoid them if you have a habit of spending more than you should.įor a full explanation of how buy now, pay later apps work, read my article here.Īre you considering giving buy now, pay later apps a shot?īelow are quick summaries of the best buy now, pay later apps, so you can compare each service and choose one that matches your lifestyle! 1 – Klarna Even Klarna (one of the largest BPNL companies) admits that retailers partnering with buy now, pay later apps saw a 68% increase in average order value. If you only have to pay $50 during checkout instead of $200, you’re likely to add more items to your cart.Īnd research backs this up. Join me and the 360 million other people already taking advantage of interest-free buy now, pay later services and read on.īuy now, pay later (BNPL) apps allow you to purchase something interest-free and pay for it over a few weeks or months.įor example, if you bought something worth $200, you’ll pay $50 today and another $50 every second week until the loan is paid off.īut why would companies give out loans without interest?īuy now, pay later options encourage undisciplined shoppers to spend more money. I’ve personally tested almost all the buy now pay later apps on the market and found that each has its own unique pros and cons. So how do you decide which service to use? It feels like companies are releasing new buy now, pay later apps every single day. Some of the links in this post are from our sponsors, and we might earn a commission if you click on one. Burrow nearly found Higgins for their second touchdown of the day, but a Jonah Williams penalty-his second of the drive-negated the near score, and McPherson was called on to cut the deficit to 24-20 after Willie Gay batted down Burrow’s third-down attempt. Instead of handing the ball off to Samaje Perine, Burrow kept the pigskin and rumbled his way to a 16-yard gain, taking a shot as he went to the turf. Mahomes lost control of the ball right as it crossed the plane, and the Bengals opted not to challenge.ĭown by seven, Burrow found Chase again for a 22-yard gain, and later pulled some improvisation out of his sleeve. Mahomes found another big play to Valdes-Scantling on the following drive, this time beating Mike Hilton deep, and finished the drive on his own on fourth down by elevating over multiple Bengals defenders. Boyd dropped arguably the easiest touchdown of his life, prompting Evan McPherson to tie it up-17-17-from 36 yards out. Tyler Boyd hauled in two receptions to take the offense next to the red zone, but it was the catch he didn’t make that highlighted the drive. had a prime opportunity to retake the lead on the next drive. Mahomes found Marquez Valdes-Scantling for a 42-yard reception on third down over Vonn Bell, and Pacheco capped off the seven-play drive with an eight-yard rushing touchdown to give the Chiefs their first lead, 17-14.īurrow and Co. The offense carefully inched their way closer to pay dirt, forcing Andy Reid to empty out his timeouts, but a phenomenal play by former Bengal Carlos Dunlap stopped the Bengals’ jet sweep to Trent Taylor on fourth-and-one.Ĭincinnati’s lead was kept at 14-10 entering the second half, and was quickly eliminated at the start of the third quarter. : Stream on NFL+ /Hjx3NDP6hT- NFL December 4, 2022 He was up to 54 yards on just three receptions through the first two quarters. The score gave the Bengals time to drive down to the goal line once more, thanks in part to the biggest play of the day up to that point from Chase. McKinnon and Isiah Pacheco had 82 yards on just 13 carries, and the Chiefs as a team averaged 7.2 yards per carry in the first half. Kansas City was having their way running against a usually stout Cincinnati front seven, one that featured a healthy Reader. Mahomes capped off the 14-play drive with his first touchdown of the day to Jerick McKinnon. The front-runner for MVP got to work right afterwards, finding JuJu Smith-Schuster on a critical fourth-and-four play right after he was nearly intercepted by Cam Taylor-Britt. The Bengals’ first 20 plays featured 11 first downs, but they were forced off the field on the third drive after doing the same to Mahomes. wait - Tee Higgins with the TD /YMYI4DFbUv- NFL on CBS December 4, 2022 |
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