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Funding circle

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How much experience do Funding Circle's key people have?įunding Circle proved long ago that it has a very large, fully-rounded team that easily competes with any bank. Without the raw data we can't assess the true position, but even 30% recovery compares fairly well with high-street banks. However, Funding Circle's chief risk officer estimated it's recovering around 30% of bad debt, while its website offered a conflicting picture. That's very good for these kinds of loans, which usually have no hard property that can be easily repossessed and sold to cover losses. Some years ago, when Funding Circle used to provide its raw data, we found it was recovering around 40%. There's a good geographic spread of loans across the UK's four nations and ten regions, which could help to keep bad debts smooth if a region starts suffering greater problems.įunding Circle has proven itself to be at least pretty good at recovering bad debt. We can't, for example, see the spread between risky and less risky loans that lenders can have allocated to them. How good are its loans?įunding Circle still likely has good quality loans on average, but it no longer provides enough information for us to assess it. what proportion of lenders would suffer losses. One of the key unanswered questions is how variable individual lenders' results would be, i.e. Regarding the performance of existing P2P loans, Funding Circle has declined to provide statistics to 4thWay that would enable us to assess the impact of COVID-19 on the basis of unspecified “reporting restrictions”, and it doesn't publish such specific figures on its website.įunding Circle's chief risk officer stated in June last year that its loan book should provide positive returns overall, once all loans are repaid and any recovery of bad debt completed, because it can withstand a rise in bad debts “multiple times over”. It's offering borrowers government-supported COVID-19 loans instead. Take a look at the infographic for a summary:ĤthWay's Funding Circle review infographic: click to expand to see How does Funding Circle work? Funding Circle during COVID-19įunding Circle is not approving new P2P loans funded by small investors at this time. Funding Circle review: how does Funding Circle work?įunding Circle works rather like many P2P lending sites in that it automatically spreads your money across lots of loans, sets interest rates on your behalf, and gives you the option to potentially sell your owns to other lenders if you want to leave early. The share-price movements after listing were mostly not correlated to loan performance, and a falling price does not endanger the business itself. Like many innovative businesses that go public, its price was set far too high to begin with, and so it plummeted after listing. It has grown to the size of a bank, both in terms of the volume of loans it now approves, which is £1.5 billion per year, and in its staffing levels in all the key skill areas.įunding Circle is the only UK P2P lending site listed on the stock market. It has a huge historical book of matured (repaid and nearly repaid) loans. What interesting or unique points does Funding Circle have?įunding Circle has completed more unsecured business loans over a longer period of time than any other P2P lending platform in the UK. It's the second-oldest peer-to-peer lending company in the UK and one of the oldest in the world. It's now 2022 and Funding Circle has completed £9.7 billion in loans to UK-based businesses, with billions more in other countries. When did Funding Circle start?įunding Circle started in 2010. These are very much like typical bank loans to businesses that are largely approved electronically using a scorecard. The loans are usually between £10,000 and £400,000 for up to five years. Funding Circle Review Main Points - 8 Minute Read What is Funding Circle?įunding Circle offers peer-to-peer investors the opportunity to lend to hundreds of small- and medium-sized UK businesses at a time.

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External hard drive data recovery nyc

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#External hard drive data recovery nyc software#

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We strongly discourage you from attempting to recover your files without consultation from professionals. It could be your computer, server, tablet, laptop, or network.

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It is our job at Data Recovery NYC to give you consult on the best options, software tools, and data recovery experts NYC to safely recover your data.

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Also, we recover and repair data from storage devices that may be damaged by old and new operating systems, such as OS updates in Windows and Mac. In New York City, we offer specialist data recovery services from all removable and non-removable media and devices such as USB drives that may suffer from logical, mechanical and electrical failures. We adhere to our policy of No Recovery, No Service Charge. The experts will also provide you with data recovery quotes for all your parts, cleanroom and service charges after hearing your case.ĭata Recovery NYC has NO Upfront charges and No hidden charges. Our experts can advise in your immediate state where data was lost to avoid further damage. Our data recovery professionals are on standby to answer your call. Solutions Call Data Recovery NYC for all your data recovery services in NYC Some of the hard drive manufacturers we work on their drives include: We serve individuals, businesses and multinational corporations. Data Recovery NYC is uniquely equipped with the highest security levels and standards to handle any data recovery scenarios.įor most customers, data loss is a frustrating endeavour that we would like fixed in no time-our data recovery offers unrivalled quality, instant and cost-effective data recovery services in NYC. Whether its data lost from Hard drives, laptops, cameras, SSDs, smartphones, RAID arrays, USB and many more. We have recovered data from a wide range of devices and media in New York City. We are the best data recovery service provider NYC has. Data Recovery NYC is here to help your recovery the lost data in any system. Whether you dropped your laptop in the heist of New York traffic or smashed your phone at the Statue of Liberty, information may be lost in any scenario. We serve all the five boroughs of New York City Brooklyn data recovery, Bronx data recovery, Queen's data recovery, Manhattan data recovery, and Staten Island data recovery. We perform world-leading data recovery solutions from any hard drive make, any interface, operating system, model, or brand with over 98% recovery rate. Trust us to recover any type of data from a failed hard drive using our experienced engineers, experts, and state of art tools. Located at the heart of New York City, Data Recovery NYC has been helping individuals and companies in New York City recovery their lost data.ĭata Recovery NYC is the trustable and confidential service provider of hard drive data recovery in New York. Data Recovery NYC are the experts in recovering lost data from all types of devices and media.

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Best stratego game for pc

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Best stratego game for pc full#

That means narrative-heavy legacy games like Gloomhaven don't make the cut. The games I've chosen to focus on in this article are board games (as opposed to war or card games), and they tend to center strategy.

Best stratego game for pc full#

In short, it's possible to win strategy games through pure strategy it is not so through full dependence on the social or chance-based elements of the game. Some great strategy games can come down to a die roll, but if they do, it probably means you haven't played as well as you could've. But in all of these instances, strategic understanding and optimization of the game's central mechanics come first. That doesn't mean they can't involve those elements: diplomacy is often an important element in asymmetric wargames subtle forms of bluffing can dramatically change the outcomes of card-playing games understanding or even controlling the pace of a game can be crucial to winning victory points when it matters most. To understand strategy board games, though, it's important to realize what they aren't: They aren't about bluffing, speed, persuasion - and most importantly, they aren't about luck. Many times, these games are organized into larger categories, such as wargames (which center on conflict between players' forces), American-style (which prioritize direct player conflict and have elements of luck) or Eurogames (which largely avoid chance-based elements, and usually depend on planning and resource management). But modern strategy games come in all sorts of subgenres, often delineated by their central gameplay mechanic: tile-laying, worker placement, deck- or tableau-building, dungeon crawler, conquest, dice-rolling and more. That's a pretty broad definition, I know. Strategy board games are games in which players' critical decision-making affects the outcome - think Chess or Go. So after testing dozens of the best games on the market, I've put together the best strategy games available in 2022. But nothing beats the satisfaction of outmaneuvering your fellow players in a game of pure wits.ĭespite all the games on the market, though, few have the perfect balance of replayability and satisfying gameplay even if you lose. And tricking the opposite team into executing one of their own allies in the bluffing game The Resistance is entertaining as hell. Fighting down the Godzilla-like Kaiju in the dice-rolling game King of Tokyo can be fun. Of all the many board games out there - from your standard family game to a party game or cooperative game - my absolute favorite kind is strategy. This story is part of Gift Guide, our year-round collection of the best gift ideas.

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Pixlr express

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PIXLR EXPRESS UPDATE

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You have 6īuttons at the bottom to work with. The image will open and display your editing options. The much-requested collage feature is planned for Android, too.From the main screen, take a picture with your device or choose one from your camera roll. The app will work just fine with iOS 6 and will be ready when you’re ready to upgrade.

PIXLR EXPRESS UPDATE

If you’re not ready to update to iOS 7… don’t worry. Most important of all: It satisfies a request from our users that we know people will use to make really beautiful and creative collages. We’ve added fine-tuning controls for spacing, roundness of borders, proportion controls, and the ability to change the color of the background. Grab up to 25 images (25!) and make a collage out of them using a staggering amount of layout options. Now you can do it all from your iOS device. The web version of Pixlr Express has long had a collage feature, and it’s always been hugely popular. Just upload a second image and add it to the one you’re currently working on. But it’s probably most easily understood as a way to add your own custom stickers or make a different kind of collage. This is a really creative tool for image-editing experts that will allow you to create things like double exposure images or add watermarks to your photos. You can now add an image to the current image you’re editing and control its location and opacity. When you’re getting creative, the last thing you want to do is wait. Just like you, we want apps to work quickly, without pesky interruptions.

PIXLR EXPRESS DOWNLOAD

You’ll find these packs will now download lickety-split. In the past, those downloads of individual sticker packs sometimes took a few seconds to get to your phone. Pixlr Express comes with plenty of packs of effects, overlays, borders, type, and stickers by default, but there are a ton of extra ones to download if you want them. We expect people will welcome this fresh look. The reset and favorite buttons (for saving your favorite effects) are now handily located in the upper-left corner by themselves, and the color splash feature now is simply (more minimally) called “splash.” The changes probably won’t be jarring. You’ll find it works in much the same way, although a few details of the interface are different. We’ve been working hard to give Pixlr Express a design refresh, but we haven’t changed the way our app works. Apple has moved everyone forward with iOS 7 by encouraging app makers to implement a whole new design language, and we’re fully on board with these kinds of changes. People have always been happy with the general design of the Pixlr Express interface, but it’s been sporting the same look for a long time. Want to open or edit the most recent image saved to your phone’s camera roll? The “fresh” button will grab that image for quick editing. The most recent image you edited and saved is now your background screen’s decoration - treated with a stylistic blur. The home or splash screen that you see when you open up the app is nice and clean. You’ll immediately notice a difference with this app. But it’s also got a few big features people have been asking us to add: the ability to create a collage directly from your phone and the ability to add an image. It’s a fully redesigned app with a gorgeous new interface. If you’re a Pixlr Express user with an iPhone or iPad, you’ll find a new update waiting for you. It happens today, and we’ve been preparing for it for months. Just about everyone with an iPhone is excited about the iOS 7 release.

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Davinci resolve studio buy

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DAVINCI RESOLVE STUDIO BUY FOR FREE

DAVINCI RESOLVE STUDIO BUY LICENSE KEY

What version is that?Īs of replying, I can only see download links for beta versions of version 18. As DaVinci is the product of Blackmagic, this makes the program extra seamless when used simultaneously with any Blackmagic camera.

DAVINCI RESOLVE STUDIO BUY FOR FREE

DaVinci Resolve is also offered for free with the purchase of many Blackmagic cinema cameras. DaVinci Resolve is the worlds only 32K Solution that combines editing, color correction, visual effects, motion graphics and audio post production all in one.

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After activation license key has been validated, DaVinci Resolve Studio 14 will continue to launch. Both Final Cut Pro X and DaVinci Resolve are on the market for a price tag of 299. Check your 'Core Microsystems Order xxxxxxx Update' Email for Davinci Resolve Studio 14 Activation Key. Its really a pain if I got proficient with the program, but I don't agree with the pricing like Adobe and Sony where you have to pay for every new version or a monthly plan.īonus Tip2: I'm buying via their website, since I can't find a retailer near my location. Start using DaVinci Resolve 14 Studio, click Start. There are keyboard shortcuts and toolbar buttons to mark edit points, insert tracks.372. What is the local database? Do I have to backup my whole "Working Folders" directory?īonus tip: Thanks, I'm actually learning it and I'm asking about the license so if I like it, I know the prices. You get full multi track support with fast and familiar editing tools. To activate DaVinci Resolve Studio, youll. For now I'm working with 4k60 videos and rendering takes a long time with my Ryzen 7 2700X. Blackmagic Announced DaVinci Resolve 18 and your previous purchase of the activation key will work with version 18. I also want to make use of the GPU Acceleration and GPU rendering, since I experience lagging when playing a video in a project and rendering takes a long time. Previously, I've been using Kdenlive, and it was unstable, sometimes it crashes unexpectedly, and I'll have to redo project all over again. The license can be an activation or a usb dongle and it automatically works with all version of Resolve. So you basically get the edit panel for nothing if you want to buy the license. I'm planning to work with 4k 120Hz gameplay videos and I'm also planning to get the Samsung S22 Ultra which can film at 8k. Jeremy at the moment they are giving away the Studio license with the little edit panel.

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L.a. guns crazy bitch

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Next to some of the proggier moments on Leftoverture, "Carry On Wayward Son" feels comparatively restrained and compact, even though it stretches out across nearly five and a half minutes. Once the members heard the initial idea for "Carry On Wayward Son," they knew the songwriting gold that they had on hand and went straight into the recording studio without even pausing to rehearse the track. Luckily, guitarist Kerry Livgren was overflowing creatively with ideas and he still had one song that he hadn’t shared with the band. Taking a short breather to record what would become their fourth album, 1976's Leftoverture, frontman Steve Walsh ran into writer’s block. Like many groups in the time period, Kansas toured and recorded relentlessly, supporting three albums that sold modestly despite their growing live following. The now-familiar a capella intro for "Carry On Wayward Son" was the sonic hook that would help Kansas score their first major hit, a feat that was a long time coming for the band. We're guessing record sales from this song have paid for that ticket many times over by now. "I Can't Drive 55," as Hagar has explained many times, was inspired by a real-life incident that found him pulled over for doing 62 late at night on an empty highway in upstate New York. This new level of fame also paved the way for him to join Van Halen in 1985. We're not saying Hagar was directly responsible for the late-'80s national law changes that allowed states to once again set speed limits higher than 55, but it certainly couldn't have hurt. Nearly a decade of constant touring and increasing record sales – remember "Your Love Is Driving Me Crazy?" – had already established Hagar as a rock star prior to the release of his 1984 VOA album.īut the Red Rocker really hit a nerve with the message of the record's first single, which – aided by a truly entertaining video – quickly made him a household name and bona-fide arena headliner. Who better to get our Top 100 Classic Rock Songs list off to a fast start than Sammy Hagar and his anti-speed limit anthem, "I Can't Drive 55?"

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Ggplot rename x ticks

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#Ggplot rename x ticks manual

This then limits the arguments to relevant ones for the object. For example, if you use text, you can change every text element if you use title, you would change only the title text elements (plot/axes/legend titles) if you used axis.title, that would only change the axes titles, whereas would only change the x axis title, and so on!įor most arguments in theme(), you specify what kind of element you are changing ( element_line(), element_rect(), element_text(), or element_blank() to remove something). You can probably get a sense for what many of those might do, and as you can see there are often several versions so you can either apply a change to everything of that type or specific elements. This has a LOT of arguments that you can change here is the list from the documentation. The things changed within these built in themes can be accessed through the theme() function. These impact the colour of the plot, thickness and existence of gridlines, font details, legend position and more. There are several themes built into ggplot2, so you can easily use one of those to quickly achieve a look you are happy with. Scale_fill_discrete(labels = c("Adult", "Infant")) Mapping = aes(x = forcats::fct_infreq(Species), I’m also going to assign this to an object now so I can work on it without having to write the same lines repetitively. Bear in mind that if you have the forcats packaged loaded, you don’t need to specific the package in the function call, which makes it look a little less busy. Note that we also have to add in a label for the x axis otherwise we would get the unsightly forcats::fct_infreq(Species) as the label. The change comes in defining the x argument in aes(). The alternative is to transform your original data so your variable is a factor ordered by count, which is a bit cumbersome if the only reason you are doing it is for one plot. This is a quick and easy way using the forcats package, which doesn’t change your original data. This would be easier to interpret if the species were ordered by count (which would be more true if you had lots of species to compare). Scale_fill_discrete(labels = c("Adult", "Infant")) + Labs(y = "Count", title = "Number of hawks by species") + ggplot(data = hawks, mapping = aes(x = Species, fill = Age)) + The labels argument changes the labels.įor illustrative purposes, I’ve also used scale_y_continuous to change where the tick marks land (every 150 hawks) and spell out the labels. So here, we can change the labels on the legend with scale_fill_discrete(), because it relates to the fill aesthetic and it’s a categorical variable.

#Ggplot rename x ticks manual

The first part is scale, the second part is the aesthetic you are changing and the third part is whether it is discrete, continuous or manual (i.e. specified by you). There are a group of functions that cover these that all start with scale_*(). These are to do with the legend category labels and the labels on the axes ticks. However, there’s still text on there that we haven’t changed. There are other functions you can use that are more specialist, like xlab() and ylab() for the axes and ggtitle() for the title, but obviously those only cover those specific labels. Subtitle = "Red-tailed hawks were counted most often", Here’s an example with all of those things added. I like to use this function because you can use it to change the title, subtitle, caption or tags as well as the axes labels or other aesthetics. Starting with the labs() function, we can change a lot of the text.

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