12/19/2023 0 Comments Bank of nova scotia stockIs this bank stock a buy-the-dip opportunity? The bank’s balance sheet would benefit when interest rates fall, as wholesale bank responds faster to such dips. While the bank is not immune to risks, it has necessary risk controls and adequate capital. However, Scotiabank has a higher interest rate risk because of wholesale funding. Liquidity risk is a little lower with Scotiabank, as it has a diversified customer base that slightly reduces the risk of a bank run. But a bank run (a large number of customers withdrawing at the same time) can put any bank’s liquidity under stress. These are predictable outflows, and a bank keeps a buffer for any extra withdrawals. Does the bank have enough money to fund cash outflow? Scotiabank has a liquidity coverage ratio of 122%, which means it has enough cash to fund its next 30-day outflow. The most pressing concern for investors today is a bank’s liquidity. But its net income fell 15% because of higher interest expenses and a dip in wealth management income. In its latest first-quarter earnings ended January 31, 2023, the bank’s revenue surged 5%. Its significant exposure to wholesale funding has been putting pressure on Scotiabank’s margins. This type of wholesale funding has a higher interest rate, and this rate rises faster as the market interest rate rises. bank crisis.īut the bank funds most of its loans from non-customers. The bank diversifies across services and geographies, reducing its exposure to the U.S. Its presence in these countries makes it a preferred bank for cross-border solutions. Scotiabank provides personal and commercial banking services in these higher growths and high return on equity banking markets. While the other Big Five banks expanded in the United States, Bank of Nova Scotia went further south in the Pacific Alliance countries (Mexico, Chile, Peru, and Columbia). It also provides global wealth management and wholesale banking services. Should you be worried about the Scotiabank holdings in your portfolio? Scotiabank’s business modelįounded in 1832, Scotiabank takes deposits, gives loans, and earns from the difference in the interest rates and service fees. bank crisis triggered, Scotiabank stock fell 5.7% on February 28.
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12/19/2023 0 Comments Milkynail young mariaAdded a huge amount of mini-scenes by Rachael in the Webcam activities description. 40 points of relationship with mother are required, and there’s a 25 chance. You can see it after riding on the dad’s lap. Yes, it's impossible to skip a few days in a row now Fixed some pics (dad laps, brother, night club) Added a scene with mother by Plaze. Now brother and sister get their start Corruption points correctly Speaking of start Сorruption, I fixed this. Corrupt everyone you see, build your own apartment or brothel, find out what your classmate do after classes (and join her), buy new clothes, accessories, and. All start corruption points for sister and brother were increased by 5 (from 0, 5, 10 to 5, 10, 15) Fixed the entering School location error (the unknown class error) (by ZMorpheus10) Fixed the HaveASexWidget input in a few scenes (the ones with brother) (by ZMorpheus10) go out, not teleport straight into the Living room (by ZMorpheus10) Now you stay at school after a scene with your classmate during a lesson (ин ZMorpheus10) Take the role of a not so innocent young girl who just. A small improvement in the displaying of "info" links in the character creation paragraph (by ZMorpheus10) Young Maria is a text based adventure game with real porn pics and gifs, developed by Milkynail. Now you can drink coffee once a day in the Kitchen. I'm kindly asking for your help, boys and girls:3 I need 1) Your system, 2) The warning message, 3) The antivirus name (or browser, if it warned you), 4) The YM version (the number and was it Online, downloaded Online\Offline). Hello, boys and girls In this update, I fixed all mistakes I could find and add some code. So I would be very grateful if you send me as much information as possible via Discord ( ), email or in the comments. Because all my security programs don't trigger. It's a common practice, really!īut I want to solve this problem, and I need the information you receive in the warnings. What to do? Stop antivirus before downloading the game. You can start without any siblings or with both brother and sister. MaYoung Maria v2.2.2.0 The first bunch of scenes MaYoung Maria v2.2.1.0 The real start, I suppose FebruYoung Maria v2.1.1.0 Welcome back:3 JanuMilkyNail Young Maria v2.0.0.0f The final steps JanuYoung Maria v2.0.0. It contains a great improvement: you have two more options when choosing siblings now. Hi there This is another update from my team. I think the problem is in JavaScript that some defenders block automatically, marking the file as a trojan. Sibling part update - Young Maria v2 by MilkyNail. I'm an honest programmer, and I am interested in you enjoying my games. Some antiviruses warn users about YM files or my site as virus keepers. Hi, people! I got a lot of scenes, code, and advice the last week, so all this time, I was sewing things together:) Today I want to tell you about the latest problem some players ran into. Removed the gold ring from accessories. Changed clothes system, now there are more freedom in clothing the doll (added shoes and pants slots) - Improved some code in a clothes shop, wardrobe, related hidden paragraphs and clothes arrays. They can be used by mobile players (clicking on them) and PC players (hovering them with the mouse). Changes: - Added shoes, some new clothes like socks. Added icons for the following stats: attractiveness, hygiene, sperm on the body, food, intoxication, fatigue (22:00-23:59), pregnancy. There is no Reputation or Corruption reward for doing this.The Main Pics Folder was updated (v11.0.0)! If you use the Offline version, please download it. Now you eat food for 5 minutes and 10 minutes if you are eating with family. Now you can either: Tease your classmate with cleavage (15 Corruption, 1/3 answer) Let him “finger” you (30 Corruption, 2/3 answers) Jerk him off (60 Corruption, 3/3 answers). Your score is based on how far your Fitness from this random number (min. The system takes a random number and see if your Fitness more or less than this number. There are four lessons: Math, Science, History, Physical Education. Made the display of the playing time of the current track more accurate (up to a tenth of a second). There are three types of the test: jumping, running and playing football. UPD 2.0.0.0e - Added one more song by Psynapse. They were used with the (temporary) removed hygiene system. Also, you can use special system to log in if you are doing this from downloaded game file (“Offline YM”). All other tiers will be removed soon, but you still can use cheat codes. – Added ability to log in to SubscribeStar account to get bonuses ($5, $14, $24 tiers). Welcome back:3 Young Maria v2 Devlog Like 10 1 year ago by MilkyNail Share this post: Play online Download Online/Offline version Main Pics Folder for Offline version Hello, comrades I'm happy to tell you that Young Maria v2 is officially finished Well, it's still empty and not interesting at all, but it's just a matter of time. What's New in Young Maria Version - 2.2.7.0? 12/19/2023 0 Comments Rad rover 5 batteryWhen you get your Rad you'll find out that charging to 60% or 80% is not as easy as it is on a Tesla because the "brick" charger that Rad supplies only terminates at 100%, so if you want to try charging to lower voltages to get some extra battery life you'll have to rig up some PITA way to read charge voltage on your own, monitor it and manually terminate at the appropriate value (or buy something like a Luna Advanced 48V Charger or a Grin Cycle Satiator).Īs for some of the other points, Rad still recommends periodic balance charging their OEM batteries for up to 12 hours, even though the Battery Management Systems (BMS) built into many other modern Ebike batteries make that unnecessary (they balance on the fly).Īs for not running the battery down close 0%, phooey, how else am I going to find out if I can get 60 miles out of my Mini (55.5 is my best so far, to one bar flashing+). Slow charging better than fast charging, as heat is minimized.ĭon't allow your battery to get soaking wet or submerged in water.ĭon't run the battery down to close to 0% before charging it. Other tips I have seen/read about Lithium Batteries-ĭon't keep charging it once it reaches 100%. I welcome all constructive comments/experiences. Wait an hour or so for the battery to 'rest/cool down', then charge it.ģ) If you are going to store your battery for a few weeks or longer, don't store it at 100%, but rather 60%. The most interesting tips I have seen regarding battery charging and extending its life (and the ones I am unsure about) are-ġ) Don't charge your battery to 100%, but rather stop at 80% or so.Ģ) Don't charge your battery immediately after using/discharging it. Maybe some of you have had experiences that can shed some light on these tips. Several videos I have watched mention some interesting ways to maximize battery life and range. So I have been watching videos, trying to learn how to care for my bike and maximize the enjoyment of riding it. My bike should be arriving within the week. Have ordered a Rad Commuter Bike for myself, and a Rad Step Thru Mini for my wife. 12/19/2023 0 Comments Certainteed vinyl siding problemsFoundry And CertainTeed Siding: Comparison of Key Factors Mainstreet: As a classic clapboard-style siding, Mainstreet comes in vinyl, polymer, or fiber cement.ĬertainTeed emphasizes qualities like durability, low-maintenance, and aesthetics with their siding products.Fiber cement is more durable but less flexible than vinyl. Restoration Classic: Restoration Classic uses fiber cement panels to provide the look of painted or natural cedar shakes. 044″ vinyl, Monogram siding aims to be extra rugged and able to withstand impact. It’s made from polymer, which is more flexible than vinyl. Cedar Impressions: This line mimics the look of real wood with variegated colors and deeply grained texture.Overview of CertainTeed SidingĬertainTeed is another major manufacturer of exterior building materials including vinyl, polymer, and fiber cement sidings. Their Foundry brand includes a few different siding product lines:Īlso Read: Differences Between LP Expert Finish And Diamond Kote Siding. installed depending on product line Warranties Lifetime limited warranties covering manufacturing, fade protection, and hail damage Lifetime limited warranties with manufacturing, fade, and hail coverage Color/Finish Options Many colors and wood grain finishes across product lines Widest color selection with over 20 base colors across its siding products Overview of Foundry Sidingįoundry siding is manufactured by Royal Building Products, a company with over 40 years of experience making exterior cladding products. installed depending on product line $7-12 per sq.ft. A Brief Comparison Table Comparison Factor Foundry Siding CertainTeed Siding Major Siding Lines Foundry Shake & Shingle (vinyl), Foundry Horizon (vinyl), Foundry Craftsman Collection (composite) Cedar Impressions (polymer), Monogram (vinyl), Restoration Classic (fiber cement) Realistic Wood Look Foundry Shake & Shingle provides realistic simulated cedar shake/shingle aesthetic Cedar Impressions is extremely realistic due to variegated colors and textured polymer material Durability Durable and impact-resistant but not quite as thick as CertainTeed’s vinyl Extremely durable thick vinyl (Monogram) and rigid fiber cement options Ease of Installation Easy installation with interlocking horizontal panels Fairly easy installation but Cedar Impressions requires more precision Price Range $6-11 per sq.ft. Both offer a wide range of vinyl, composite, and polymer sidings designed to be durable, low-maintenance, and aesthetically appealing.īut there are some key differences between these two brands that homeowners should consider when deciding which is better for their home. When it comes to exterior home siding, Foundry and CertainTeed are two of the most popular and well-known brands. 12/19/2023 0 Comments Trek stache 5 bontrager boost rear hubWe are totally committed to protecting the privacy of our site visitors and customers. Data Integrity - this system checks the data being transferred to ensure it has not been altered during tranfer. Encryption - our server encodes the input data, so that it cannot be read by anyone other than the intended secure processing server. This technology includes the following features:Īuthentification - this assures your browser that your data is being sent to the correct computer server, and that the server is secure. Information passed between your computer and our website cannot be read in the event that someone else intercepts it. You can have peace of mind that we utilise the latest industry-standard Secure Sockets Layer (SSL) technology to allow for the encryption of potentially sensitive information such as your name, address and other critically sensitive information like your credit card details when making your order. Manitou Magnum 34 Comp, air spring, E2 tapered steerer, Boost110, G2 Geometry w/51mm offset, 110mm travelīontrager Chupacabra, Tubeless Ready, aramid bead, 29x3.0"īontrager alloy, 2-bolt head, 31.6mm, 8mm offsetīontrager Low Riser alloy, 31.8mm, 5mm rise It will make hardtails relevant again for trail riding and open up a world of fun for core mountain bikers.ġ10 mm travel and 29+ wheels let you roll over anythingīoost148/110: wider = stiffer, for unprecedented 29er controlĪlpha Platinum Aluminium, E2 tapered head tube, internal derailleur & dropper post routing, PF 92, Mid-stay, Boost148, Stranglehold dropouts, G2 Geometry And for those with very specific ideas on what their ideal trail hardtail should be, the versatile Stache will also be available as a frameset. The Stache 7 will feature a brand new SRAM 1x11 drivetrain and the new Manitou Magnum Comp fork. The high-end Stache 9 features a fully loaded ride which includes a SRAM X1 1x11 drivetrain, dropper post, and a new Manitou Magnum Pro suspension fork. Stache also can be optimized for 29+, 27.5+ or standard 29 wheels so riders can choose the wheel size and tire width that best matches their riding style.Īnd happily, Stache is available now with 2 alloy models in the lineup, as well as a frameset. In addition, Stache incorporates wider hub interfaces with Boost 148 and Boost 110 to allow for stiffer wheels, more tire clearance and shorter chainstays. All models come with the industry benchmark for mid-fat tires, the 29x3.0 Bontrager Chupacabra. This mid-fat (or plus) category of bikes will expand rapidly in the mountain bike world, and Trek will lead the charge with its 29+ Stache offering. In short, its unlike anything you've ever ridden, and it's going to blow minds. These mid-fat tires are paired with some of the shortest chainstays we've ever engineered to deliver a more playful bike than any other 29er hardtail out there. With massive 3 wide 29er tires, this bike delivers more traction and confidence in all circumstances and will destroy preconceived notions of what a hardtail can do. Stache is for those who want the capability of a full suspension trail bike with the simplicity and efficiency of a hardtail. Completely redesigned trail hardtail redefines the category with new mid-fat 29+ wheels and tires. 12/19/2023 0 Comments Kobo libra 2 vs kobo clara hdThey currently do this in partnership with the Coastal First Nations-Great Bear Initiative on the Great Bear Forest Carbon Project. (They say this is the equivalent of powering 900+ homes with renewable energy per year.) I recently found out that Kobo offsets 100% of the carbon emissions associated with shipping their e-readers. Other e-reader devices can feel very “plastic-y”, but Kobo devices just feel high quality. Now, with mounting criticisms against Amazon’s ethics and sustainability issues, many readers are seeking to switch to a new brand for their next (or first) e-reader.Įvery Kobo device I’ve reviewed has felt sturdy, well-made, and… not cheap. The device launched in 2007 and has sold tens of millions of devices.Īmazon got out the gate earlier - but in the years since its launch, a number of companies have developed better e-readers with more features. Most of us are very aware of the biggest player in the e-reader game: Amazon’s Kindle. Photo by Branden Harvey for Good Good Good But, for those who see the benefits of owning an e-reader device, the next question becomes: Which e-reader is right for me?
12/19/2023 0 Comments Portal turret series 3Uses and budgets vary, and the ideal tent for beginners and those taking shorter trips differs significantly from thru-hikers counting every ounce. They just walked, and walked and walked.In choosing the right backpacking tent, you have a wide range of options from minimalist ultralight shelters to inexpensive and heavier entry-level models. Pan's mother didn’t tell her much Not about where she was going, why she was going there, what was going to happen, or anything.
12/19/2023 0 Comments Salmon philadelphia cream cheeseFor 2 salmon fillets (weighing 4.5-ounce/125 grams each) you should count with ½ pound (225 grams) of pastry.If it is not pre-rolled, you will need to roll it out so it is not way too thick. You can use any puff pastry available in your local store (or the one you have experience with and works well for you).Roasted vegetables like Asparagus with Parmesan.Potatoes – Parmesan Roasted Potatoes are my favorite.Quinoa – Cooked quinoa (any color) work well with these salmon wellington pockets.Tossed salad – it’s refreshing and together with one of the below mentioned side dishes you will create a complete and filling meal.Steamed Veggies (We love Instant Pot Broccoli with olive oil and seasoning, but you can use other vegetables).It should look golden brown on top as well as on the bottom. If you are not sure whether your salmon is cooked through, use a food thermometer to check its internal temperature (it should be minimum of 145° Fahrenheit/63° Celsius in the thickest part of the fish).ĭon’t take them out, if you see that the pastry is not puffed and flaky. I normally bake them at 400° Fahrenheit (200° Celsius) for about 20 minutes. You will have to check it duringĬooking to see if it is ready, especially when making it for the first time. Please take the cooking time as a guide only. Pastry you use (they may vary from brand to brand). Aįew of them are the thickness of the fillets, your oven, and type of puff These puff pastry salmon pockets can vary. There is no need to pierceīrush some melted butter with milk over and they are ready to go in the oven. Repeat with the second salmon fillet.Įdges well with a fork – it’s like making hand pies. Place a fillet onto a sheet of rolled-out puff pastry, spread half of the cream cheese mixture over and cover with the remaining puff pastry. Then, mix the cream cheese filling with dill and a pinch of black pepper. Don’t over-season the fish as the cream cheese contains some salt already.Īre ready salted so make sure to check this. Pat the fish dry and season each fillet on both side with salt and pepper. Prep is relatively quick once you gather all the ingredients. To make salmon in puff pastry with cream cheese Believe it or not, salmon wrapped in puff pastry is very easy to make,īut for better understanding I included some process photos as well.īy the way, you might know this dish under a different name – salmon en croute, puff pastry salmon or salmon wellington. Salmon in puff pastry in our local supermarket, I couldn’t wait to get home to Understanding as well as serving suggestions and more salmon recipe ideas. Answers to FAQ’s about making baked salmon in puff pastry for easy 12/19/2023 0 Comments Roadblock stock symbolThe company has no lack of chargers already sold, but the problem is the limited revenue contribution from charging stations sold on minimal positive margins. What ultimately matters on the revenue side is the gross profits that are very limited.īlink added 64,461 chargers in the quarter to reach a total of 72,939 sold or deployed to this point. The fear is that consumers will gravitate towards the Tesla Superchargers and utilization on Blink chargers will fall while the company only produced $2.9 million in charging service revenues.Īs mentioned above, Blink only produced a Q1'23 gross profit of $4.5 million with operating expenses up at $35.4 million. The problem is that the Tesla deals are likely to hurt the charging service revenues. As the company points out, the service revenues in Q1 were only $4.8 million in the quarter. The total gross was only $4.5 million while the goal is just 30%. The company did see some margin improvements from product sales, but the overall gross margin was only 21% in Q1'23. Source: Blink Charging Q1'23 presentationįor the last quarter, Blink product sales were $16.4 million, up over 100% from $8.1 million last Q1. As with most of the charging station network companies, the vast majority of sales are related to low margin product sales. Business Model Problemsīlink has a hybrid business model where investors don't really know the financial aspects of any particular charging station. The crazy part is that despite Tesla being the only company on the NACS standard now, the company claims the charging standard has 60% more stalls than the CCS-equipped networks combined. Tesla claims the charging connector is half the size and twice as powerful as the CCS connectors in a prime reason that Ford and GM are shifting alliances. Postal Service while the company can easily offer an adapter for current NACS vehicles. our perspective is that 90% of our business is elsewhere anyway, so we got a 10% issue here.īlink is focused on working with auto dealers and fleet type customers such as the U.S. The new CEO made the following comments at the TD Cowen's Sustainability Week conference: EV market leaving limited remaining focus on the Combined Charging System (CCS) standard.Īt the margin, Blink sees the deal as more of a confusion to consumers as much as an impact to their business. The 3 auto OEMs combined for 72% of the U.S. The auto OEM plans to integrate the North American Charging Standard (NCAS) connector design to its EVs beginning in 2025 in a move to utilize the 12K Tesla Superchargers across North America.įord ( F) had already announced a similar partnership with Tesla in a move to utilize the large Supercharger network already in place and potentially bypass the demand for other chargers. In a surprise move, General Motors ( GM) announced a collaboration with Tesla. My investment thesis remains ultra Bearish on BLNK stock, even with Blink hitting new lows following the 10% dip to close the week. Blink Charging ( NASDAQ: BLNK) is the prime example of a company that doesn't need any competitive pressure or additional confusion in the sector due to weak financials and limited cash. The EV charging station network stocks already faced tough business models and the sudden industry shift towards working with the Tesla ( TSLA) Superchargers is a huge roadblock. 12/18/2023 0 Comments Red formal jumpsuit with skirt overlayGet an Overskirt Dress for Your Next Special Event from NewYorkDress The floor-length, lacy skirt is framed by a smooth, full-length extension under the sparkling rhinestone-embellished waist. A fitted bodice is formed by horizontal ruching beneath an off the shoulder neckline. Tarik Ediz has some exquisite ruche and lace gowns with detachable skirts. The dresses are creatively designed with elegant billowing skirts. Gattinolli’s overskirt dresses are a suitable choice for balls and gala dinners, but also less formal events like a prom. Your Dream Overskirt Dress from a Top DesignerĪpart from the extravagant styles of MNM Fouad Sarkis, we offer beautiful off-skirt gowns by Gattinolli, Tarik Ediz and more. The overall vibe is dramatic with voluminous skirts and a variety of necklines and sleeves to play with. None of these gowns could be described as too extravagant or busy because they have just the right combination of rich embroidery, exquisitely beaded or otherwise embellished fabrics, and oversized skirting.ĭresses with overskirt reference the classic Hollywood style with flared, fairytale silhouettes. Much like sequined capes, overskirts are free-flowing trains combining modern, sleek patterns with effortlessly chic silhouettes. The full-length overlay floats down to a full-length hem with exquisite style and grace. This sophisticated, long-sleeved red carpet look flows down to the ground. The illusion bodice nestles in stunning gilded vine embellishments, creating a dazzling and mesmerizing style. The dazzling formal shimmers in glittering sea foam waves with a glamorous sweep train and regal ruffled details.Īnother wondrous creation by this designer, suitable for the most formal of events, is the “lavish vines” evening gown. The quirky origami details create an asymmetrical, figure-flattering effect. The strapless bodice on this masterful piece features a glamorous sweetheart neckline. This is reminiscent of something Oscar winner Lady Gaga would wear. Overskirt dresses are available in an exciting flurry of materials, designs, styles, and colors.Īt red carpet events, celebrities opt for enchanting overskirt dresses like the asymmetrical twinkle draped evening gown by MNM Fouad Sarkis, one of our most cherished and prized designers. No one can remain indifferent to the glitz and glitter of this style. When Should I Opt for an Overskirt Dress?ĭresses with overskirt are suitable for almost every formal event – a gala dinner, a reception, a ball, even an award ceremony. A bride wishing to embellish her dress without the extra weight will be wise to choose a dress with a detachable skirt that emphasizes the train. Overskirt dresses are more popular than ever this year, with both sheath and sheer options, enabling a smooth transition for any event. Opt for a red jumpsuit for comfort dressing with a fashionable spin.The remarkable silhouette of an overskirt dress makes them an excellent choice for red carpet events, other formal evening events, and weddings. And if you need to instantly bump up this ensemble with a pair of shoes, complement this outfit with black chunky suede heeled sandals. If it's comfort and practicality that you love in an ensemble, make a red jumpsuit your outfit choice. On the fence about how to finish? Complement your ensemble with black suede ankle boots to boost the oomph factor. Rock a red jumpsuit for a sophisticated yet casual ensemble. Black canvas heeled sandals will bring an extra touch of style to an otherwise standard outfit.įavorite Unfavorite Black Suede Ankle Boots Prove that you do casual like a pro by wearing a red jumpsuit. Serve a little outfit-mixing magic by rounding off with black and gold leather heeled sandals. Sign up to see recommended looks Get started Favorite Unfavorite Red JumpsuitĪ red jumpsuit will add serious style to your daily casual routine. |
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