The government should rethink how it delivers mortgage insurance – including lowering mortgage insurance fees.Ottawa should put new or pending changes to mortgage and financing rules on hold until the impact of recent changes on the housing market can be determined.The federal government should actively promote affordable and responsible homeownership given its broad-based benefits, including its key link to inclusive growth.The National Housing Strategy must be rooted in a clear understanding of the difference between “affordable housing” and “housing affordability” and ensure that it is placing equal focus on the latter.To this end, MLI has set out some clear principles and recommendations to inform the government’s thinking as it considers its own strategy. We should question whether struggling young homebuyers should be subsidizing Ottawa’s revenue to this degree.įederal housing policy should start to look like it was purposefully designed rather than a mishmash of disparate initiatives and measures, explain the authors. CMHC announced in June 2017 that it would pay the federal government a special $4 billion dividend over the next two years (beyond what it already sends Ottawa from net income). One example is the insurance premiums set by the Canada Mortgage and Housing Corporation. “Policymakers should aim to replace this Bride of Frankenstein with a carefully conceived strategy,” write Speer and Londerville. We have seen successive cases of mortgage rule tightening while Ottawa has concurrently expanded incentives and subsidies for first-time home buyers. To read the full paper, titled “A Home to Call our Own: A Federal Strategy for Affordable and Responsible Homeownership,” click here.įederal policy changes are regularly enacted with little focus on their consistency or compatibility with other housing-related policies. The federal government has a vital role to play, but federal housing policy continues to lack coherence. There have provincial and local policy responses thus far with a particular focus on “demand-side” factors such as foreign investment. Policy-makers and the public have been debating the sources of our housing affordability challenges and what governments ought to do about them for several months. Today, the Macdonald-Laurier Institute releases a new study setting out recommendations to promote and support affordable and responsible homeownership by Sean Speer and Jane Londerville. But there is a risk that the wrong policy mix could put homeownership further out of reach for more Canadians. It is soon expected to release its much-anticipated National Housing Strategy. To its credit, the federal government has recognized this growing problem. Vancouver is now the only Canadian city with average prices – for both ground-level houses and condos – exceeding $1 million. The average home now costs roughly $875,000 and average detached homes have reached nearly $1.6 million. Just consider that Toronto’s housing prices jumped nearly 33 percent in 2016 alone. Toronto and Vancouver are now among the least affordable cities in the world. The next generation of home-buyers are rightly wondering if they will be able to realize the many benefits of homeownership. 15, 2017 – Many Canadians are increasingly worried about being able to afford a home, particularly in major centres. Authors Sean Speer and Jane Londerville recommend that Ottawa’s pending National Housing Strategy promote and support homeownership by encouraging savings, reducing mortgage insurance fees, and placing a hold on changes to mortgage and financing rules.
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For instance a weapon with a strength bonus of 50 and a speed of 4 should have a damage output roughly equal to a weapon with strength 75 and speed 6. Note that you can not directly compare weapons since they all have different speeds. The Drake Knight Armor can be altered to the Drake Knight Armor (Altered) to remove the wing and cape. This page lists the items with the highest specific bonuses for each slot.Speaking to the ghosts will start a miniquest, the Curse of the Empty Lord, in which each ghost will tell you their. However, this also comes with negative slash and stab bonuses. Ghostly robes are a member-only a set of magic armour that makes the wearer translucent, which can be obtained by speaking to various ghosts throughout RuneScape after a player has a ring of visibility from Desert Treasure I. It shares the same strength bonus as bandos armour, but offers a boost to crush. The set requires a minimum of 70 strength and 30 defence to equip. The Drake Knight Helm can be altered to the Drake Knight Helm (Altered) to remove the hood. The Inquisitor Armour is a set that specialises in providing high attack bonuses for crush based melee attacks.A B C D E F G H I J K L MHow Do You Get To The Mining Guild in OSRS BY Dyasmond. Before taking the elevator platform up (it will take you all the way to the top, above the level with the Warhawks you will find a Beastman there), keep going to the end of the circular path outside the elevator and you'll find the chest containing the set.ĭrake Knight Set Armor Pieces in Elden Ringĭrake Kngiht Set Elden Ring Notes and Tips To Get The Prospector Outfit Set Motherlode Mine Guide in 2021. After climbing down the nearby ladder, turn left and then face north. From here, drop onto a floating rock, and then again down to a platform on which you find the same elevator shaft from above. From there, drop down to where the elevator shaft containing a waiting Warhawk is located (there is another Warhawk nearby, feasting on a corpse). Go to the Dragon Temple Rooftop Site of Grace.You can find the Drake Knight Set in Crumbling Farum Azula.Where to find Drake Knight Set in Elden Ring Sets of Armor in Elden Ring are composed of four armor pieces which are Helms, Chest Armor, Gauntlets, and Leg Armor. Drake Knight Set is a black iron set worn by the unmet drake knights. Drake Knight Set is an Armor Set in Elden Ring.
But Jesus Christ had this very plan for my life.įrom White House intern to White House press secretary, from production assistant to national television host, from Catholic all-girls high school to Harvard Law School, God has guided my path through uncharted territory. “I think it was intended as a tongue-in-cheek, satirical video,” she said.If you would have told me that in the year 2020 I would stand at the White House podium and communicate with the American people as COVID-19 ravaged the globe and violent protests beset the nation, I would have told you that you were crazy. The day Trump tweeted a meme about himself attacking CNN, McEnany appeared on that network, the one that employed her, and said the President has “a right to fight back.” In her final weeks at CNN, McEnany supported Trump’s attacks on one of his biggest media enemies: CNN. “What I’m telling you is don’t touch me and while you’re saying I’m sinister.” “You can scoot until you fall off that ledge,” Blow said. McEnany snapped back that she would gladly scoot away. “Don’t do that,” Blow cautioned her without a hint of humor. McEnany derailed a February 2017 appearance in its first moments when she touched the arm of New York Times columnist Charles Blow while sarcastically deriding him as a “liberal friend.” Sometimes when McEnany’s words failed her, her actions did too. Here’s another difference: Jay-Z wasn’t running for President. “The difference is for Jay-Z to shout these expletives on a stage at a political rally, while the Democrats are trying to stand on a moral high ground, saying we’re better than that, and Hillary Clinton is putting out commercials with little girls looking in the mirror,” she said. He wants people to be on the lookout.”Ī day before the election, McEnany rationalized Trump’s infamous “Access Hollywood” video by arguing Trump said nothing worse than something Jay-Z, a Hillary Clinton rally performer, has rapped. “He doesn’t want a scenario where there’s New Black Panthers outside with guns, essentially like intimidating people from coming into the polls. “I think he’s setting up a scenario where he wants supporters to be vigilant,” she said in October 2016. Both James Foley and Daniel Pearl lost their lives to terrorism & should be honored by our leaders.”Īfter Trump refused to say in a presidential debate whether he would accept the election results, McEnany defended him by saying he was just telling voters to watch out for dangers at the polls - like the Black Panthers. She was at least correct, though, about Obama’s golfing.īut she still offered a rare apology, tweeting, “I apologize for using the wrong name. While trying to make an emotional point about Pearl, she appeared to mix him up with James Foley, the war correspondent who was beheaded in 2014. Bush was President and Obama was an Illinois state senator. Pearl, a Wall Street Journal reporter, was slain by terrorists in 2002 - when George W. “President Obama, who after the - I believe it was after the beheading of Daniel Pearl - spoke about how upset he was and then rushed off to a golf game,” she said, drawing visible confusion from another guest. In March 2017, McEnany tried to shame President Barack Obama by claiming he was once apathetic about a journalist’s death. The game introduces a new weather system (local weather) in which players can visit one side of the map and can visibly see a storm. The game is the first in the franchise to support ray tracing on cars (although this is only available in Forzavista). Players are able to create custom liveries and tunes for cars, and perform engine swaps, drivetrain swaps, or install body kits on certain vehicles. Both the cars featured in the game and the player character can be extensively customised. Players can explore the open world freely, though they can also compete in multiplayer races and complete the campaign mode. The map contains an active caldera volcano, jungles and beaches, ancient Mayan temples, and towns and cities such as Guanajuato. The map was described by creative director Mike Brown as one of the most diverse Forza Horizon maps the team has built. The game has the largest map in the entire Forza Horizon series, being 50% larger than its predecessor, Forza Horizon 4, while also having the highest point in the Horizon series. Gameplay Gameplay in Forza Horizon 5 here, a player is racing a Lamborghini Diablo SV against a Porsche 911 in a street race during a Horizon story.įorza Horizon 5 is a racing video game set in an open world environment based in a fictional representation of Mexico. Notably, the game won IGN's Game of the Year award and three jury-voted awards at The Game Awards 2021, tying with Hazelight's It Takes Two for most wins. The game received critical acclaim and became a commercial success upon release it launched to over ten million players in the first week, the biggest-ever launch for an Xbox Game Studios game. It was released on 9 November 2021 for Windows, Xbox One, and Xbox Series X/S. The game is set in a fictionalised representation of Mexico. It is the fifth Forza Horizon title and twelfth main instalment in the Forza series. Forza Horizon 5 is a 2021 racing video game developed by Playground Games and published by Xbox Game Studios. In most cases, Microsoft 365 is activated once you start an application and after you agree to the License terms by selecting Accept. Start using an Microsoft 365 application right away by opening any app such as Word or Excel. If you're unable to install Microsoft 365 see Troubleshoot installing Office for more help. For example depending on your version of Windows, select Start and then scroll to find the app you want to open such as Excel or Word, or type the name of the app in the search box. Select Close.įollow the instructions in the window to find your Microsoft 365 apps. Your install is finished when you see the phrase, "You're all set! Office is installed now" and an animation plays to show you where to find Office applications on your computer. If you see the User Account Control prompt that says, Do you want to allow this app to make changes to your device? select Yes. Remember a one-time purchase version of Microsoft 365 is licensed for one install only.ĭepending on your browser, select Run (in Edge or Internet Explorer), Setup (in Chrome), or Save File (in Firefox). Select the tab below for the version you're trying to install. You're now ready to install Microsoft 365. Choose the language and bit version you want, and then select Install. To install Microsoft 365 in a different language, or to install the 64-bit version, select the link Other options. Sign in with the Microsoft account you associated with this version of Microsoft 365.įorgot your account details? See I forgot the account I use with Office.įrom the top of the page, select Services and subscriptions and on that page find the Microsoft 365 product you want to install and select Install. Go to your Microsoft account dashboard and if you're not already signed in, select Sign in. Third-party seller: You bought Microsoft 365 from a third-party and you're having problems with the product key. Some organizations have different methods to install Microsoft 365 on multiple devices. Volume license versions: If you work in an organization that manages your installations, you might need to talk to your IT department. Microsoft Workplace Discount Program (formerly known as Home Use Program): If you bought Microsoft 365 for personal use through your company, see Install Office through Workplace Discount Program. Note: The steps to install the 2019, 2016, or 2013 versions of Office Professional Plus, Office Standard, or a stand-alone app such as Word or Project might be different if you got Microsoft 365 through one of the following: Registered Office: Walton Green, Walton-On-Thames, Surrey, KT12. Kia UK Ltd is registered in England & Wales No: 4415807. However, the amount of commission received by a dealer does not impact the amount paid by a customer under the credit agreement. Our auto financing center in Peoria, IL, knows there isn't a one plan fits all solution, which is why we will crunch the numbers and work with your background to secure a low-rate auto loan for your budget. Our appointed dealers will typically receive a fixed fee from Kia Finance for this introduction. There are plenty of reasons why drivers choose to buy from Mike Miller Kia, but one of the best reasons is that we tailor our auto financing options to each driver. Schedule a test drive at Mike Miller Kia near Pekin, IL, today!Ĭompetitive Auto Financing Options near Washinton, IL You can select an iconic family vehicle like the Kia Telluride or opt for a sporty sedan like the Kia K5. We know how important it is to offer a wide range of vehicles to Bloomington, IL, area drivers, which is why we have several different models available. We are proud to provide a fleet of excellent new Kia models and high-quality pre-owned vehicles. Once you get a feel for your budget, the next step is to explore all the new and used vehicles offered at our Peoria, IL, Kia dealership. Incredible New & Used Vehicle Inventory at Mike Miller Kia Complete our form, then contact our Peoria, IL, Kia dealership to get started! When you factor in your trade-in value, you can see just how easy it is to drive off the lot in the vehicle of your dreams. You can estimate your monthly payment by using your ideal car's price, plugging in your down payment, term limits, interest rate, and more. If you know how much you want your monthly payments to be, you can calculate what type of car you can afford. Our auto payment calculator is a great first step to take. When you're ready to shop for your next car, the team at Mike Miller Kia in Peoria, Illinois, is here to help you understand your budget better. Get a Better Understanding of Your Budget It will allow you to see just how much your monthly loan payments are going to be under various different circumstances. If you need help determining just how much car you can afford with your budget, then simply use the form that we have for you below. Our team of financing experts will secure you the best rates and terms for your auto loan, and we can make sure that you get the right incentives as well. When you are looking to finance, we are looking to help. Jacob Gibbs, SportsLine Fantasy Analystġ0. Zach Brook, FFT Social Media Coordinatorĩ. White, Managing Editor, SportsLine and CBS Fantasyĥ. Chris Towers, Senior Editor, Fantasy Sportsģ. We feature a starting lineup of QB, 2 RB, 3 WR, TE, FLEX (RB/WR/TE) and Superflex (QB/RB/WR/TE) with six reserves for a 15-round draft.ġ. We also award one point for every reception. In this league, all touchdowns are worth six points, and we award one point for every 10 yards rushing and receiving and one point for every 25 yards passing. You can compare how I built my team to what Adam and Heath did and see what roster construction works best for you in a Superflex league. It's a balanced roster to go with some high-end quarterbacks, and this should be a playoff team in this league. He also has David Njoku and Dalton Kincaid at tight end. The rest of Adam's roster is Nick Chubb, Travis Etienne, Alexander Mattison and Jerome Ford at running back, and joining Jefferson at receiver is Christian Kirk, Gabe Davis, JuJu Smith-Schuster and Quentin Johnston. Click here for the rest of PFF's fantasy rankings. Chicago Bears quarterback Justin Fields comes in at QB16 as one of the top sleeper options. 12 quarterbacks rank among the top-20 players. It's a good group with plenty of potential, and Minshew could be a steal if Anthony Richardson struggles this year. Baltimore Ravens quarterback Lamar Jackson ranks second in the top-300 Superflex fantasy football rankings. Adam still ended up with Deshaun Watson in Round 2, Jared Goff in Round 4, Jordan Love in Round 9 and Gardner Minshew in Round 15. 4 overall pick if you're not sold on QB4 this year - go with Jefferson. Below are my updated 2021 fantasy football rankings for use in superflex leagues - utilizing the OP. Adam, who loves Burrow but is slightly concerned with his injury, decided to pivot from drafting a quarterback, and he went with Justin Jefferson in this PPR league.Īnd that's the perfect way to approach the No. Cockcroft's top-200 PPR rankings for superflex, 2-QB leagues. The first three picks were Patrick Mahomes, Jalen Hurts and Josh Allen, which will likely be the top three picks in this format this season in leagues where touchdown passes are worth six points. And that was the dilemma Adam Aizer dealt with in our recent 12-team, Superflex mock draft. 4 pick in a Superflex league is starting to be a tough call with Joe Burrow (calf) hurt, especially if you're not sold on Lamar Jackson returning to form as an elite Fantasy quarterback. There is also a Deathmatch mode in which players battle it out to be the last man standing, Keep Away, that sees a fight for possession of a flag with the goal of keeping the flag carrier alive to earn points, Tug of War in which teams are built to be as strong as possible with the strongest winning, and finally Reinforcement, a mode which sees resources depleted as waves of new troops arrive.Īfter choosing the game mode, players are able to take the combat on to any of the 18 maps on offer in the game. Firstly, there is the standard mode which sees players aim to destroy every last unit and building in enemy control. Multiplayer has five game modes for players to take part in. Of course 1v1 is always an option should you have no qualms about your ability, however, as with most games that offer a head-to-head mode it is usually exceptionally good players that tend to be found here, and even with my countless hours with the original under my belt, I quickly found my way to several beatings before jumping into some 2v2 action. 2v2 just about works without needing to talk though and for anyone looking to learn a few extra tricks outside the tutorial levels, this may be the best way to do it. Working much like Skirmish mode, multiplayer can be played as either 1v1, 2v2 or 3v3, however 3v3 is only recommended for those who are in constant communication with each other. The campaign is certainly enjoyable, but as with every Halo title, it’s the competitive multiplayer that most will be looking to for the long-term enjoyment – and as it was back in 2009, multiplayer is a blast. Whilst the campaign may not be as action heavy or explosive as other games in the Halo series, there’s no denying that the strategic options Halo Wars brings to the table really adds a new level of immersion to the series, as you watch your Warthogs filled with infantry forces join the attack. With the game being played in a top down view, this can mean if you haven’t placed your units in the best positions, you can very quickly find yourself being attacked out of nowhere before you have even got yourself prepared. Ground units such as Marines can be used to scout out an area up ahead, which is hugely appreciated most of the time due to the classic ‘Fog of War’ that shrouds the entire map. Players familiar with the Halo universe will instantly recognise each of the vehicles, with the Warthog and Scorpion Tank both available alongside various other vehicles, but whilst these may pack some serious power when dealing with enemies, the real key to success is to utilise the infantry options available. This is done by the strategic placement and usage of the infantry and vehicular units that are available to you. Throughout each mission players are required to complete the different tasks asked, mainly attack and defend based objectives, in order to complete the mission and progress through the story. The campaign offering has 15 missions for players to play work through, all whilst in control of the UNSC (United Nations Space Command). Should you be after something to play with friends however, there’s no need to worry about who’s the best as the entire game can also be played in co-op, either in Skirmish against or with the A.I., as well as the full co-op campaign. Halo Wars takes place in the year 2531, 20 years before the events of Halo: Combat Evolved, and six years after the collective of alien races known as the Covenant attacked humanity, declaring humans an affront to their gods, the Forerunners, and invaded the human colony of Harvest.Ī fully-fledged campaign is on offer for those looking to experience the story, Skirmish available for those looking for a one-off battle and of course online Multiplayer for those looking to match their skills against the best. For any newcomers to the spinoff series that are expecting another spectacle from series protagonist Master Chief, let it be known that Halo Wars is before even his time on the battlefield. Nevertheless, 2009 saw the release of Halo Wars and the ideas that were once made for the franchise were put to good use. From a 1999 keynote showing Master Chief performing magic in a soon to be released third-person shooter, to the development of RTS gameplay, Halo has certainly changed from what it was once intended to be. The Halo franchise is more than just a household name with Xbox gamers, but one thing that may not be so well known, is that although the first-person shooting of Halo: Combat Evolved may have been the flagship title to kick-start the Xbox era, the original design for the Halo series was much different. |
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