From Wikipedia, the free encyclopedia Bungie revealed plans to overhaul the Ghost system in Destiny 2. Starting with the Beyond Light expansion, which has a release date of Nov. 10, players can customize their Ghosts like they do with armor. The fallout from coronavirus could be a stimulus of sorts for rural Wisconsin as people look for ways to exit congested cities. What Exactly Is An Online Payday Loan, And Just How Does It Work? The Risks Of Payday Advances While pay day loans may seem convenient, they arrive with numerous prospective perils. They cost a lot of: The charges that include pay day loans are high. The Federal Trade Commission stated so it’s perhaps not uncommon… Ohio Living, one of the nation's largest not-for-profit, multi-site aging services organizations, is Great Place to Work — Certified™ for the third consecutive year. This certification was awarded based primarily on externally conducted employee surveys regarding their experiences with Ohio Living
Objectively, the degree of illumination has a great influence on the intensity of color quality. In order to prove this most vividly, take some colors before daybreak, when it begins slowly to get lighter. Initially one sees only black and grey. Particularly the brightest colors, red and green, appear darkest. Yellow cannot be distinguished from a rosy red. Blue became noticeable to me first. Nuances of red, which otherwise burn brightest in daylight, namely carmine, cinnabar and orange, show themselves as darkest for quite a while, in contrast to their average brightness. Green appears more bluish to me, and its yellow tint develops with increasing daylight only.
- Color Optical Illusions, Purkinje Effect
Bungie is overhauling how Ghosts work in Destiny 2
In its latest weekly blog post, Bungie revealed a complete overhaul for its Ghost system coming in Destiny 2: Beyond Light. Players will finally get to choose their Ghost by its look, not the baked-in perks it comes with. Instead, players will be able to customize their Ghost with mods, similarly to the Armor 2.0 system added last year.
In Destiny 2, Ghosts are the little robots that resurrect characters when they die, and the angel on the Guardian’s shoulder that does most of the talking for them. Currently, players can get different shells for their Ghost, customizing the way it looks and offering their character bonus perks, like tracking chests on a specific planet.
But Destiny 2 Ghosts currently have a problem: The perks are static on certain shells, meaning you can’t just decorate your automated pal the way you want. The two most desirable perks, Guiding Light (an XP bonus) and Speed Demon (allows players to instantly summon their Sparrow vehicle), only come on a select few Ghost shells.
Bungie’s new system will change all that. All Ghosts, regardless of whether they’re Exotic or Legendary, will operate on an energy system in Beyond Light. Very similarly to how players improve and customize their armor, players will be able to use various currencies to upgrade their Ghosts with more energy, allowing for even more customization.
Different mods will cost different amounts of energy, and players will be able to mix and match mods to make sure they have the perk combinations they want. Most of the perks currently available on Ghosts will automatically become Ghost mods when Beyond Light launches, but players will have to hunt some mods down in the world, like they do with armor. Bungie will not sell mods in the Eververse store.
Every Ghost will feature an Experience mod slot, a Tracking mod slot, an Economic mod slot, and an Activity mod slot; players will be able to access the Activity mod slot only by Masterworking their Ghost. Players will use different tiers of experience mods to increase their seasonal gains, as well as several other mods, including ones that increases the chance to earn the rare Enhancement Prism materials from completing Strikes. Bungie did not mention the popular Speed Demon perk in its blog post.
All Ghosts currently in Destiny 2 will see this upgrade when Bungie launches Destiny 2: Beyond Light on Nov. 10 for Google Stadia, PlayStation 4, Windows PC, Xbox One, Xbox Series X, and Xbox Series S. The studio has not confirmed a PlayStation 5 release date.
Author: Ryan Gilliam
As the pandemic grinds on, the Northwoods beckons many seeking solitude, natural social distancing
MINOCQUA – While swarms of summer vacationers enjoyed one last fling before heading back to the city and the stifling realities of the pandemic, Chicago actors Jared Davis and Kat Bramley were moving into their new home in the Northwoods.
The young couple love the outdoors and figured it was time for a fresh start as Chicago’s theater scene was shut down by COVID-19 restrictions, leaving them unemployed in an expensive city.
“We have an opportunity to make a big change right now, because everything is changing, so we might as well go with the flow,” Davis said.
Other folks have also been moving north because of the pandemic. Most are working remotely, unfettered by where they live, provided they have a robust internet connection for videoconferences and other office tasks.
Kathy Schmitz, executive director of the Vilas County Economic Development Corp., says she’s been getting calls every week from people wanting out of cities because of COVID-19, social unrest and a craving for the outdoors. Some have vacation homes in the area, heavily forested with more than 1,300 lakes, and would extend their stay another couple of months or even year-round if they could work remotely.
“We’ve shown them they can do it,” Schmitz says.
The fallout from coronavirus could be a stimulus of sorts for rural Wisconsin as young people, mid-career professionals and retirees look for ways to exit congested cities.
“I hate to say that COVID has brought us an opportunity, but there is a theory in business that you never let a crisis go to waste,” said Daniel Smith, president and CEO of Cooperative Network, an association representing agriculture, utilities, health care and other business sectors in Wisconsin and Minnesota.
For sure, rural communities have felt their share of the pain that’s been inflicted on small businesses, schools and public gatherings. “None of us have been spared,” Smith said.
But through late summer, demand for land and homes surged in the Northwoods — with a 36% increase in lakefront property sales in an area covering seven counties.
“It mirrors the lifestyle people want today … you can be on your dock having coffee while making calls and working remotely on your laptop,” Schmitz said.
For Davis and Bramley, the loss of theater work was incentive to leave Chicago. Bramley was familiar with the Northwoods from her childhood summers at Clearwater Camp for Girls. She and Davis were married in Minocqua and have family in the area.
Davis landed a job as a caretaker at Clearwater, enabling the exit from the city. For the price of their one-bedroom apartment in the Rogers Park neighborhood of Chicago, he and Bramley now have a spacious three-bedroom place in Eagle River.
They’re looking forward to learning new skills like ice fishing.
“It had always been a long-term plan for us to get out of the city,” Bramley said.
Some folks have come to the Northwoods from Texas, California and other states hard hit by COVID-19. Many have owned vacation homes in the area for years.
Since July, Carol Marshall has been working remotely from a cabin on Catfish Lake in Eagle River. She’s in the dialysis-department medical records unit of Texas Children’s Hospital in Houston.
Marshall has lived overseas and in five states, but her family has kept a cabin on Catfish Lake for more than a century since her grandfather from Chicago started coming to the area for fishing in the early 1900s. She and her family have spent countless summers on the lake, a respite from living in big cities.
“Good memories,” she says.
So when the pandemic heated up in Houston and Marshall was working from home anyway, she and her husband Bob sold their house and headed north to the place they loved the most. They stopped as little as possible in the two-day road trip, wanting to minimize their exposure to the virus.
“When we left Houston, it was getting worse. Yes, I was concerned,” Marshall said. “I was also concerned that people like me would be bringing COVID to my dear Eagle River home, so we have been very careful while we are here as well.”
They were joined by family members from Seattle and Washington, D.C., now working or attending college remotely from Eagle River.
Looking across Catfish Lake from the dock at her cabin, Marshall can see the place her grandparents owned. She and Bob, who is retired, love hiking, canoeing and hanging out with their neighbors on the patio — sometimes wearing a mask, sometimes not.
“It’s not that we were running away from Houston; we were running towards the beautiful trees, the quiet lakes and the ability to do things outdoors,” Carol said.
Before year’s end, she’s supposed to return to the office in Houston. It will be a pivotal decision in her life, having already moved 20 times in 60 years.
“So, I will have that discussion with them about whether I can continue to work full time from up here or whether other arrangements have to be made,” she said.
Brad and Rubie Gauthier moved to Minocqua from Portland, Oregon, in 2016.
They live on 8 acres surrounded by miles of paved bicycle paths. They can take long walks through the forest without bumping into anyone, an automatic kind of social distancing, and have cross-country skiing at their back door.
“What’s really crazy is that tourists will pay thousands of dollars to be in this area for a week, while we get to live here,” Brad Gauthier said.
He grew up on the Lac du Flambeau Indian Reservation, and when living on the West Coast, wanted to return to the Northwoods. Rubie Gauthier was raised in the Philippines. She traveled extensively as an executive with technology giant Hewlett Packard before she met Brad in Portland.
For a while, the young couple ran their software development business from laptops while touring the U.S. National Park System. Their customers never knew the difference, and many now probably don’t realize they’re in the Northwoods.
In Portland, they paid $32 a square foot for office space. In Minocqua, where they now have their company, the rent is about a dollar a square foot.
“And we do the exact same thing here,” Brad said.
Dustin and Amanda Hoeft recently moved to Eagle River from Waukesha County. They were looking for land, which had become too expensive where they lived, and a place to enjoy hunting and fishing with their four children.
“It’s nice up here. The pace is so much more relaxed,” Dustin Hoeft said.
Earlier this year, Lizeth and Will Schattner left their home in San Diego for a new life in the Northwoods.
Will was able to keep his job from San Diego, designing structures that house data systems, and works from home.
Lizeth, an esthetician, received her license to open a beauty spa in Eagle River the same day the state ordered all spas closed because of COVID-19. She’s since been able to open and now has a thriving business.
They moved here to be closer to Will’s family and feel fortunate to have left California before things worsened in the pandemic.
“I wouldn’t have been able to work there, even now,” Lizeth said.
While some parts of rural America have experienced growth since COVID-19 struck, big cities have seen empty office buildings and a slowdown in construction of high-density housing.
In a Harris Poll of 2,050 U.S. adults, nearly one-third said they considered moving to a less densely populated area because of the pandemic. Eighteen-to-34-year-olds were more likely than other age groups to be in that category.
“Already beset by high rents and clogged streets, the virus is now forcing urbanites to consider social distancing as a lifestyle,” Harris Poll CEO John Gerzema said in a news release this spring.
The pandemic has fueled a move to the suburbs as well as rural communities.
“After witnessing several consecutive years of urban revival, the new trend looks to be in the suburbs as more companies allow greater flexibility to work from home,” Lawrence Yun, chief economist for the National Association of Realtors, said in a statement.
In the long run, companies may still want most workers in the office at least some of the time to promote collaboration and morale.
“Zoom meetings are OK for a while, but they don’t have the same effect,” said Scott Bush, vice president of operations for the Greater Milwaukee Association of Realtors.
Yet cities are struggling to provide essential services as tax revenue plummets during the pandemic. And as more people leave, it’s reminiscent of white flight that went on for decades.
“Right now, the vast majority of who is moving is the white middle-to-upper-class people who can afford to buy a new house or have remote careers. You now end up having more segregation by both race and class,” said Roberta Coles, a Marquette University sociology professor.
The movement of people from cities to rural areas has triggered concerns about the spread of coronavirus in small towns with limited medical facilities.
Earlier this year, counties including Vilas and Oneida issued travel advisories discouraging visits from people who own second homes. But after the governor’s safer-at-home order was lifted in late May, those folks and many others hitched up their trailers, loaded up kayaks and bicycles, and headed north.
As some predicted, the influx of visitors corresponded with a spike in COVID-19 cases. For a couple of weeks in August, northern counties were diagnosing new cases at a rate similar to the rest of the state, around 13 or 14 new cases per day per 100,000 residents.
But the migration of city dwellers to rural communities could be a lifeline for small towns beset with an older population, school closings and other signs of the loss of youth.
Bayfield County is projected to lose 28% of its child population by 2040. Pepin County, 25%; Price County, 20%, according to the Applied Population Laboratory at University of Wisconsin-Madison.
“Those communities that lose too much of their youth population are in danger of becoming unsustainable,” the university said.
Between 2010 and 2015, the number of children in Wisconsin declined by 42,000, from 1.34 million to 1.30 million, down 3.2%. The decline was most severe in the northern part of the state.
But while many rural towns lose young people during their college years, they get them back as young adults marry and begin raising children, said Ben Winchester, a senior research fellow for University of Minnesota-Extension.
“Census data shows that many return, often in their 30s and 40s, and they come with college degrees, work experience, professional contacts and children,” Winchester said.
“Some lifetime city dwellers move to rural areas, too. They are eager to make a new life in a rural community,” he added.
Brittany Beyer, executive director of the Grow North Regional Economic Development Corp., could be counted in that crowd. Born and raised in the Chicago suburbs, she lived in New York for 18 years before moving to Rhinelander in 2016 with her husband, who had family in the area.
Her previous career was in education and dance.
“I obviously miss certain things about living in New York City. … Oh, my gosh, I miss bagels, Thai food and some of those cultural experiences. … But I’m fine and thriving,” she said.
Beyer says she’s seen vacation homes in the Northwoods become “COVID pads” for people seeking refuge from crowded cities.
“We offer almost a respite from so many things,” she said. “Yes, social unrest. Yes, being too tight with other people.”
Even when the pandemic’s over, most people will want the choice of working remotely, according to multiple surveys of the American workforce.
“The pandemic forced people to do something they had never thought of before, and they found that it worked,” said Jim Tuckwell, chairman of the Vilas County Economic Development Board and a retired IBM executive.
That’s likely to bode well for the Northwoods.
“People have discovered they can live where they want to instead of where they have to because of a job,” Tuckwell said.
Rick Barrett of the Milwaukee Journal Sentinel is examining the loss of youth in rural Wisconsin, and related topics, during a nine-month O’Brien Fellowship in Public Service Journalism at Marquette University.
He is being assisted by O’Brien interns Chris Miller and Kelli Arseneau. These stories are being done in conjunction with the Milwaukee Journal Sentinel and the USA TODAY NETWORK-Wisconsin.
Marquette University and administrators of the program played no role in the reporting, editing or presentation of this project.
What Exactly Is An Online Payday Loan, And Just How Does It Work?
What Exactly Is An Online Payday Loan, And Just How Does It Work?
While pay day loans may seem convenient, they arrive with numerous prospective perils.
They cost a lot of: The charges that include pay day loans are high. The Federal Trade Commission stated so it’s perhaps not uncommon for loan providers to charge $15 or higher for every single $100 you borrow. In the event that you borrow $500, you’d spend $75.
Rollover costs: whenever your date that is due arrives your lender might offer the opportunity to rollover your loan until your following payday. What this means is you’dn’t need certainly to repay your loan for, maybe, another fourteen days. This solution is not free, however. Loan providers will charge a fee another cost with this rollover. For example, perchance you borrowed $100 for a charge of $15. When your deadline comes, you choose to rollover your loan for the next two weeks. Your lender charges you another $15 because of this. This means your costs have risen to $30. It’s very easy to rack up charges that are hefty method.
You do not be capable of getting one: based on your geographical area, you will possibly not manage to just simply just take down an online payday loan. In line with the nationwide Council of State Legislatures, 37 states have actually specified statutes that allow for payday financing. Arizona, Arkansas, the District of Columbia, Georgia, brand brand New Mexico and new york prohibit payday loans.
They won’t help your credit: Making regular, on-time re re payments on your own mortgage, car, student or unsecured loans will increase your FICO ® credit that is three-digit score. That’s because lenders report these re payments towards the three credit that is national of Experian https://cartitleloansextra.com/payday-loans-ms/ ™, Equifax ® and TransUnion ®. The exact same does not hold true for payday advances. Payday lenders don’t report your instalments towards the bureaus. This is why, your payments that are on-time help your rating.
You will find restrictions to just how much you are able to borrow: according to your monetary crisis, a quick payday loan may well not offer help that is much. That’s because numerous states restrict how people that are much borrow from payday loan providers. For example, in New Hampshire, you can’t borrow a lot more than $500; in Ca, you can’t just take down a quick payday loan for over $300.
You don’t have actually to count on payday advances. You can find options if you’d like it quickly if you need money, even.
The task is the fact that loan providers will look at your credit before approving you for a loan that is personal. In the event your credit history is simply too low, you might maybe not qualify.
Requesting assistance from relatives and buddies users: you money if you are facing a financial emergency, family members or friends might be willing to loan. Usually, they’ll loan you cash without any or interest that is low. The feasible downfall? You might harm these relationships in the event that you don’t pay off your loan on time.
Peer-to-peer financing: In peer-to-peer financing, several various investors pool their funds together, in tiny increments, to give you that loan to borrowers. These investors make a revenue if the debtor repays the mortgage, with interest.
Peer-to-peer financing often takes place online, with borrowers trying to get loans through online marketplaces.
Once again, borrowers will require a higher sufficient credit history to be eligible for peer-to-peer loans.
Paycheck advance: If you’re dealing with a monetary crisis, it is possible to pose a question to your company for the advance on your own paycheck. Your company might consent to provide you with, state, $1,000 today even when you aren’t planned to receive your paycheck of $4,000 until a few weeks.
The disadvantage right right here? Your manager might maybe maybe not agree to front you the funds you will need. Numerous companies have actually policies prohibiting such improvements. It’s also embarrassing to inquire about companies for improvements.
You ought to constantly look for options to payday advances. These loans are simply just too costly. When you’re dealing with a monetary crisis, look for options. Don’t allow your significance of quick cash make you a loan that is short-term is sold with such hefty charges.
Camera – Wikipedia
Basic elements of a modern digital SLR still camera
Different apertures of a lens
A focal-plane shutter. In this shutter, the metal shutter blades travel vertically.
A handheld digital light meter showing an exposure of 1/200th at an aperture of f/11, at ISO 100. The light sensor is on top, under the white diffusing hemisphere.
The distance range in which objects appear clear and sharp, called depth of field, can be adjusted by many cameras. This allows for a photographer to control which objects appear in focus, and which do not.
Nikon D200 digital camera
19th century studio camera, with bellows for focusing
Rangefinder camera, Leica c. 1936
Smartphone with built-in camera
Ohio Living awarded recertification as a Great Place to Work™
National distinction earned for third consecutive year
COLUMBUS, Ohio, Sept. 18, 2020 /PRNewswire/ — Ohio Living, one of the nation’s largest not-for-profit, multi-site aging services organizations, is Great Place to Work — Certified™ for the third consecutive year. This certification was awarded based primarily on externally conducted employee surveys regarding their experiences with Ohio Living. In addition to employee feedback the Great Place to Work® Institute evaluates policies, structure, and soundness of principles in determining whether to award certification.
“There’s never been a tougher year for aging services providers and their employees than 2020,” said CEO Laurence C. Gumina. “Wave after wave of closures and restrictions were imposed. Procedures and regulations changed overnight and kept changing for weeks. Hardest of all was the fact that the daily lives of our residents and staff were changing in unimaginable ways.
“I’m continually impressed by the way our team members in all roles and locations have risen to meet the challenges ahead. Most importantly, they’ve become family for their residents and patients who have been without visits from their own families for so long,” said Gumina.
Chief Human Resources Officer Dana Ullom-Vucelich credits several factors to recertification success. “In the midst of tremendous change, we’ve continued to do what we’ve always done – care for and protect our employees. That care has looked a lot different this year, and it’s never been more important.
“I attribute earning Great Place to Work certification three years running to the fact that we hire compassionate, dedicated people to deliver care and services. These teammates see that same compassion and dedication mirrored in Ohio Living’s care for them as well.
Ullom-Vucelich further stated, “Our teammates share Ohio Living’s values, and nothing is more energizing than working alongside some of the best human beings that it is my privilege to know. They are competent, engaged, committed, likeable, ethical and fun, with a heart for humanity! Our team makes this a great place to work, to live, and to receive services.”
The certification process considered nearly 2,000 anonymous employee surveys from across Ohio Living’s locations, evaluating 60 elements of team member experiences on the job.
Read Ohio Living’s online review for more information.
Headquartered in Columbus, Ohio Living is one of the nation’s largest not-for-profit, multi-site aging services organizations, operating 12 life plan communities, Ohio Living Home Health & Hospice, Ohio Living Physicians’ Services, and Ohio Living Foundation.
Melissa Dardinger, MS, APR | Corporate Manager of Public Relations, Ohio Living
614.888.7800 | [email protected]
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SOURCE Ohio Living