![]() Asking you to self-assess your living expenses on your home loan application form.Using the Household Expenditure Method (HEM) based on your family size and income (Australian Bureau of Statistics data) because it is considered unreasonable for someone to spend less than HEM each month.Lenders use a few different methods, including: How do banks calculate your living expenses? These lenders recognise areas where you can easily and quickly reduce your discretionary spending, such as in entertainment and dining out.Ĭall us on 1300 889 743 or complete our online enquiry form and we can help you build a strong home loan application.Īll the inside information on calculating mortgage payments is now accessible. The key to maximising your mortgage borrowing power is finding a lender that takes a common-sense approach to your spending. In this way, they’re able to calculate your serviceability or borrowing power. They then compare that to your regular discretionary spending on items or activities that are not necessary on a day-to-day basis.įor example, banks will raise red flags for regular spending at pubs and clubs or spending on luxury fashion items. Specifically, banks will first identify your necessary regular spendings such as your bills and groceries. Your living expenses are a good indication of your character as a potential borrower. When banks assess your ability to borrow, one of the major factors they evaluate is your spending compared to income. ![]() Your details Why do banks care about my living expenses? ![]()
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![]() My AR is now 1200 at weapon lvl 15 run up to boss with r2 charge, break their stagger crit them for 2k, while they are on ground recast flame give me strength, repeate. Walk up to fogwall: Drink electricity and faith boost flask: >Cast golden vow >Cast flame grant me strength >Cast electrify armament on treespear w/ert tree seal >Switch seal back to jelly shield n cast it's 20% boost.
![]() You've cleared 1-P Adventure with every character! Great!Ĭlear Adventure Mode on Very Hard difficulty. You've cleared Classic mode on Very Hard with a stock of one!Ĭomplete Adventure Mode for the first time.Ĭongratulations! You've cleared 1-P Adventure!Ĭlear Adventure mode with all characters. You've cleared Classic mode on Very Hard!Ĭlear Classic Mode with a stock of one on Very Hard. Wow! You've cleared 1-P Classic with every character! You've unlocked an alien invasion! It's Fourside!!Ĭomplete Classic Mode for the first time.Ĭongratulations! You've cleared 1-P Classic!Ĭomplete Classic Mode with every character. Welcome to Brinstar Depths! Kraid's been waiting for you! Welcome back to DK's first locale, Kongo Jungle! The special stage, Battlefield, has now been unlocked! The gateway to Final Destination has now been opened! Take a step back in time to lovely Yoshi's Island! Side-scrolling madness awaits on F-Zero's Big Blue! It's a flotilla of Pokémon! You've unlocked Poké Floats! Mushroom Kingdom II is open: it's the dream world, Subcon! Random Stage Select is now available in Additional Rules!Ī blast from the past! Dream Land is yours to use.Īccess to Flat Zone has been granted! Time to get retro! You've unlocked all playable characters! Get to fighting!Īll Star Mode, Sound Test, Random Stage Selectġ-P All-Star mode is now open! Better practice up!Ĭheck out smashing sounds! Find Sound Test under Data. You've unlocked the singing wonder, Jigglypuff! The man in green, Luigi, is ready for action! Star Fox's surly pilot Falco is now prepped for combat! Roy from Fire Emblem has unsheathed his sword! Game & Watch is ready to rock, old-school style! Mewtwo's mental powers are now yours to command! ![]() Mario is in the house! His prescription? KOs.įast, nimble, and ready to roll, Young Link awaits you! Japanese notices also include English text above the actual notice box telling players what they have received trophies, for instance, say "Figure get!!".Ī great evil walks the earth.Ganondorf has been unlocked!Ĭute, cuddly.and a threat to itself and others! It's Pichu!ĭirect from Fire Emblem, it's Marth, the swordsman supreme!ĭr. ![]() Two bonuses are also exclusive to the West, for unlocking the Samus Unmasked and Mario and Yoshi trophies in Japan, the two trophies were only available in giveaways, while in the NTSC and PAL regions, the player had to hack the game to get them. If said messages are counted, the total number of notices will be 63. Melee has nearly nine times more notices as the previous game, bringing the total up to sixty, not including messages attained from unlocking trophies. Here, the player is congratulated for unlocking Pichu. ![]() ![]() ![]() If your needs are more complex, consider using the Twilio Verify service, which provides a robust user verification system that works over SMS, phone and email. The source code for this tutorial can be found here on Github. In this tutorial we’ve learned how to build a simple Flask application for generating, validating as well as delivering OTP codes via voice call or SMS. Once you receive the OTP, you can go ahead and enter it in the validate page to see if it is valid or not. Specify the channel by which you would like to receive the OTP and click the “Request For OTP” button. For example, for a number in the United States use for format +1AAABBBCCCC, where +1 is the country code, AAA is the area code and BBB-CCCC is the local phone number. Navigate to the URL to see the OTP request page.Įnter your phone number in the canonical E.164 format. In the main.py file, edit the validate() function we created earlier with the following code: Now that we’ve handled the logic for generating the OTP code, let’s handle the corresponding logic for validating the OTP code. If there are errors, a message is also flashed to the session but with a danger category and a redirect back to the generate endpoint to give the user a chance to try again. The send_otp_via_sms() function sends the OTP code via SMS.īarring there are no validation or other issues, a message is flashed to the user with a success category and then a redirect is made to the validate endpoint. The argument is a predefined message format and set of instructions to speak the code in the Twilio Markup Language (TwiML), which at its core is an XML document with special tags defined by Twilio. Then a call is placed to the provided phone number. The split_code() function takes the OTP code and adds spaces between each digit in the code so that Twilio pronounces each number instead of pronouncing the whole word. In the send_otp_via_voice_call() function, the OTP code is passed as a string to the split_code() function. Once the OTP code has been successfully generated, a call is made to the send_otp_code() function which either routes the notification through a voice call or SMS depending on the channel that was specified by the user in the submitted form. This function handles making a HTTP POST request to the GenerateOTP API to generate the OTP code. The formatted phone number is then stored in the Flask user session, so that it can be recalled later when the OTP is validated.Ī call is then made to the make_otp_request() function. We expect the phone number in the incoming request to be in the canonical E.164 format, so we have to remove the leading plus “+” sign as the GenerateOTP doesn’t accept it as a valid character in the initiator_id field. ![]() In our case, we can use the phone number as the initiator_id. To generate the OTP code, the GenerateOTP API needs an initiator_id which serves as an identifier for the particular user the OTP belongs to. It’s always a best practice to do server side validation even if validation is still carried out by the client. In the generate() function, we now carry out the necessary checks to ensure the phone number and the channel fields are present in the request when the form is submitted. env file and add paste your Twilio credentials, along with the Twilio phone number associated with your account: At the root of the project’s directory, create a. ![]() We are going to need these values to authenticate with the Twilio service. On your Twilio Console, copy your Account SID and Auth Token. If you are using a trial Twilio account you will need to verify your own phone number with Twilio before it can receive calls or SMS messages from the Twilio number. You can add a phone number to your account in the Buy a Number page if you don’t already have one. This is the number from which the OTPs are going to be sent. The action attribute of the form is also set to an empty string.Įnter in your browser’s address bar to see this template.Īfter you sign up for an account on Twilio, head over to your Twilio Console and set up a Twilio phone number that can make voice calls as well as send SMS messages. This HTML file also extends the base.html layout and adds a form that allows the user input the OTP code that was received so that it can be validated. ![]() ![]() Mango shaved ice, a classic Taiwanese dessert. Even though this area is mostly residential, its architecture deserves to be admired and, it offers an interesting insight into how the locals are living.įoodie-alert: head to nearby Yongkang street, the homeland of mango shaved ice, a classic Taiwanese dessert, and the original Din Tai Feng, a Michelin star xiao long bao chain. Some have been beautifully restored, while others are beautifully decayed. Many of the houses in the neighborhood were home to Japanese professors at the national university. To find it, enter the lane next to the Taipei Grand Mosque, or google “Qingtian Street.” There is a gorgeous, leafy neighbourhood of old Japanese residences near Da An Park, Taipei’s answer to Central Park in New York. The Japanese developed the railway system, many hot springs and universities, and other infrastructure in Taiwan. Explore Japanese-era Architecture Near Da An Parkĭid you know that Taiwan was a Japanese colony for 50 years? Taipei’s night markets are a must for food lovers. The cuisine plays a vital role in Taiwan’s culture so much so, that it’s an integral part of Taipei sightseeing. But I’d suggest trying a medium-sized night market, such as Tonghua, Raohe, Ningxia, or Huaxi, near the Longshan Temple.Įach night market has its own unique features. The largest and most famous night market in Taipei is Shilin Night Market. But some of the most famous are oyster omelets, vermicelli stew, gua bao (the Taiwanese version of a hamburger), shaved ice, fried chicken fillets, and don’t forget Taiwan’s most notorious snack, stinky tofu. There are too many must-try Taiwanese street foods to list here. The street food is cheap and authentic, and thick crowds are predominantly local. Feast To Your Heart’s Content At One Of Taipei’s Famed Night MarketsĪccording to the official figures, night markets are the #1 tourist attraction in Taiwan.īut these night markets are no tourist trap. READ MORE: Considering spending a few days in Hong Kong? Use our itinerary to plan your perfect 3 days in Hong Kong! 3. If you want to make sure you get the best shot, book this tour that takes you to the most Instragrammable spot on Elephant Mountain. The beautiful nature and stunning views of Taipei make Elephant mountain one of the most popular places to visit in Taipei. Sunset is the most popular time, and don’t even dream of getting a spot for the fireworks show on New Year’s Eve (although this is a great place for a view any time of year)! But if you want to get away from the crowds, you can continue on to the other three “beasts”: Tiger Mountain, Leopard Mountain, and Lion Mountain. In only takes about 30 minutes to hike up to spots with great views. This is the classic postcard shot of Taipei. The best part about Elephant Mountain, only one MRT stop past Taipei 101, is that you get to have Taipei 101 in your panoramic view. Get An Even Better View From Elephant Mountain Opening hours: every day from 9 AM – 10 PMīook it on Get Your Guide 2.The 360-degree view from Taipei 101 takes in mountains to the south and east, and expansive city views to the west.įrom here, you can really appreciate just how jam-packed the buildings in this city are.ĭon’t forget to check out the 730-ton stabilizing ball, which helps to keep Taipei 101 standing in earthquakes, which regularly strike in Taipei. Get there early because the line can be long any day of the week (or buy a ‘Skip the Line’ ticket), then take the world’s fastest elevator up the world’s tallest “green” building. ![]() ![]() What better place to start than from the observation decks on the 89 th to 91 st floors of Taipei 101, Taipei must-see iconic bamboo stalk-shaped skyscraper? Survey The City From Taipei 101, Once The Tallest Building In The World Here are some of the things to do in Taipei, from the obvious to the lesser-known. Find Irrefutable Proof That Taipei Is Cool At The City’s Re-purposed Art Villages Pretend You Are In The Know At A Taipei Speakeasy Head To Wulai, The Nearest Aboriginal Village To Taipei Stay Up All Night Reading Books For Free At Eslite Bookstore Check Off Another Tourist Must-see At Chiang Kai-Shek Memorial Hall ![]() Have A Bubble Tea In The Homeland Of Bubble Tea Take In The Scents Of Tropical Flowers At The Jianguo Weekend Flower Market Peruse Teas And Chinese Medicinal Herbs In Dadaocheng Soak In A Hot Spring At The Foot Of A Dormant Volcano Get Funky In Ximen, Taipei’s Coolest Neighborhood Explore Japanese-era Architecture Near Da An Park Feast To Your Heart’s Content At One Of Taipei’s Famed Night Markets ![]() ![]() but you'll always be sure to find a wide range of cheeky underwear. Need to find a best mate for your fave Cheeky undie? Check out our bras & bralettes. plus cotton tops in contemporary shapes and plenty of well tailored suits. 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A cheeky fit is fun, flirtie, and ALWAYS flatters. ![]() ![]() There’s no map to keep you oriented, and no pointers to show you where to go next, so while the world is not distractingly large it is possible to lose track of where certain characters, objects, and locations can be found. However, where kids may struggle is in the game’s lack of direction. There are lots of different gameplay styles rolled up in Pikuniku’s breezy world, ranging from a riff on arcade classic Dig Dug to a dance-off against a robot. This isn’t just something you can do, it’s something you’re actively encouraged to do, and some of the best secrets and surprises come when you wander off to see what else you can find in a previously visited location. Pikuniku is a non-linear game, so unlike the strict left-to-right progression of a 2D Mario game, you’re free to explore wherever you want within the areas you’ve unlocked. But is it fun? Source: Devolver DigitalĪbsolutely. Suffice to say, though the messaging isn’t heavy-handed and is always couched in the whimsical presentation, there are deeper issues at play here which can act as useful prompts for conversations with your kids about social responsibility and personal morality. Quite rightly, the spider isn’t happy with this treatment, and brings it up every time you encounter him afterwards. One early example is a spider, who must be kicked across a ravine in order to replace a bridge that Piku broke. ![]() There are also multiple points along your adventure where your assumptions about characters are challenged, or Piku himself is called out on behaviour that, while typical for a videogame, would be problematic in real life. Sunshine’s plan, you begin to uncover a sly social satire in which a selfish tycoon hoards the world’s resources for his own needs, while distracting the populace with shiny tokens and catchy slogans. The more you explore, the more tasks you perform, and the more you learn about Mr. In fact, the publisher describes it as a “delightful dystopia” and that seemingly contradictory phrase is actually rather accurate. There are moments of sardonic humor that may fly over younger kids’ heads, but nothing that might cause offense. It does, although rest assured it remains family-friendly with no profanity or adult themes. Does this story lead to darker twists? Source: Devolver Digital Sunshine, his flying robots, and habit of showering the inhabitants of this curious world with gold coins. Performing helpful tasks, and making amends for accidents, you earn their trust and eventually gain the ability to venture further into the world, where new communities await – along with a steadily building storyline involving the mysterious Mr. ![]() To begin with, that means making peace with the lumpy inhabitants of a nearby village who fear Piku and consider him to be a “beast” of local myth. He can also talk, which is essential as much of the game is driven by meeting peculiar characters and fulfilling their needs. Piku can jump in a pleasingly balletic somersault, he can retract his legs to remain still, and he can kick out with those same legs in either direction to punt scenery items around the screen. At the start of the game you’re living in a cave, but are quickly introduced to the controls and nudged into the world outside by a friendly ghost. In gameplay terms, you control Piku, a bright red blob with long spindly legs. ![]() But Pikuniku is not the preschool romp that it first appears to be. It’s got quirky controls, too, especially if you play with someone else. Pikuniku is a game that has all the simple shapes and bright colors of a Nick Jr. ![]() ![]() ![]() Please avoid reposting TILs that have already made the front page in the past on YouTube)Īdd or tags to your posts, as necessary. Link to the appropriate start time when referencing videos (e.g. Link to the appropriate heading when referencing an article (particularly on Wikipedia) If you are interested in reading about the TILs on this list use the search box feature and enter the keywords to pull up past TILs.Īvoid mobile versions of websites (e.g. The purpose is to keep content fresh on /r/todayilearned as requested by its members. The titles have been abridged for the sake of brevity, however the context remains the same. If your TIL is found on this list, it will be removed. This list was compiled from /r/todayilearned community suggestions by its members.More information available on the TIL FAQ and wiki. Please report spam, inaccurate or otherwise inappropriate posts by messaging the moderators, as this helps us remove them more promptly! If your post does not appear in the new queue and you think it meets the above rules, please contact the moderators (include a link to your post, not your story). ![]() Please see the wiki for more detailed explanations of the rules, as well as additional rules that may not be listed here "TIL you can click on widgets in WidgetMaker 1.22").Īll NSFW links must be tagged (including comments). No submissions related to the usage, existence or features of specific software/websites (e.g. "TIL the definition of a word." Word definitions/translations/origins are not appropriate here.instead, or be more specific (and avoid the word "about"). " and other broad posts don't belong on TIL. Starting your title with a why/what/who/where/how modifier should be unnecessary. Titles must be able to stand on their own without requiring readers to click on a link.not "TIL something interesting about bacon"). Make them descriptive, concise and specific (e.g.Rephrase your post title if the following are not met: Posts that omit essential information, or present unrelated facts in a way that suggest a connection will be removed. Social and economic issues (including race/religion/gender).Recent political issues and politicians.This includes (but is not limited to) submissions related to: No politics, soapboxing, or agenda based submissions. Any sources (blog, article, press release, video, etc.) with a publication date more recent than two months are not allowed. No personal opinions, anecdotes or subjective statements (e.g "TIL xyz is a great movie"). Videos are fine so long as they come from reputable sources (e.g. Images alone do not count as valid references. Please link directly to a reliable source that supports every claim in your post title. Submit interesting and specific facts that you just found out (not broad information you looked up, TodayILearned is not /r/wikipedia). Unfortunately, it appears that there’s a glitch in the Matrix, because Zo became fully unhinged when it was asked some rather simple questions.You learn something new every day what did you learn today? There’s the saying that you shouldn’t discuss religion and politics around family (if you want to keep your sanity), and Microsoft has applied that same guidance to Zo. However, as one publication has discovered, the seeds of hate run deep when it comes to Microsoft’s AI.Īccording to BuzzFeed, Microsoft programmed Zo to avoid delving into topics that could be potential internet landmines. The AI wunderkinds in Redmond, Washington hoped to right the wrongs of Tay with its new Zo chatbot, and for a time, it appeared that it was successfully avoiding parroting the offensive speech of its deceased sibling. ![]() However, Tay ended up being a product of its environment, transforming seemingly overnight into a racist, hate-filled and sex-crazed chatbot that caused an embarrassing PR nightmare for Microsoft. Microsoft Tay was a well-intentioned entry into the burgeoning field of AI chatbots. ![]() ![]() ![]() Removing the Lock Screen widgets should automatically enable the Depth Effect feature. Hit Done once you've removed all the Lock Screen widgets. ![]() Tap on any widget and then the minus (-) icon to remove a widget on the Lock Screen. Go to Wallpaper and select Customize under the Lock Screen.It has been discovered that the iOS 16 Lock Screen features a deep understanding of adjusting the depth effect when interacting with transparent elements of the wallpaper.Thanks to fancy AI algorithms, iOS’s Depth Effect automatically pulls the subject from your images and separates it from the background, seamlessly integrating the clock into your wallpaper … ios 16 deep effect wallpaper mean 20 Best iOS 16 Depth Effect Wallpapers for iPhone Lock Screen iOS 16.5 Magic Wallpaper #ios16.5 #iphone14p #iphone15promax Amazing iOS 16 Depth Effect wallpapers for iPhone Your iPhone has a special wallpaper feature - Laptop Mag Web13 One of the coolest features of iOS 16’s lock screen update is the introduction of the Depth Effect. 3D Foreground Lock Screen with Depth Effect.Depth Effect Not Working in iOS 16 Lock Screen? Try These 6 … Depth Effect Wallpapers on the App Store Dynamic Home Screen Wallpaper ios15 to 16 : r/ios - Reddit Web9 This allows parts of the lock screen wallpaper to overlap the time and widgets for an impressive. iPhone Depth Effect is one of the more interesting features implemented by the new iOS 16 update.Ios 16 deep effect wallpaper iOS 16: How to Use Lock Screen Depth Effect! - YouTube Web13 ![]() ![]() Specific packaging requirements for explosives.Įxceptions for Division 1.3 and 1.4 fireworks.Įxceptions for Division 1.4G consumer fireworks. General packaging requirements for explosives. New explosives-definition and procedures for classification and approval.Īssignment of class and division for new explosives. Provisions for using old classifications of explosives. Sampling and testing program for unrefined petroleum-based products.ĭefinitions, Classification and Packaging for Class 1Īuthorization to offer and transport explosives.Ĭlassification codes and compatibility groups of explosives. General packaging requirements for toxic materials packaged in cylinders. Hazardous Materials in Flexible Bulk Containers. Hazardous materials in cargo tank motor vehicles. Requirements for the use of portable tanks. Loading and unloading of transport vehicles. Reuse, reconditioning and remanufacture of packagings. General requirements for transportation by aircraft. General requirements for packagings and packages.Īdditional general requirements for non-bulk packagings and packages.Īdditional general requirements for bulk packagings. Use of packagings authorized under special permits. Preparation of Hazardous Materials for Transportation Hazardous materials in equipment in use or intended for use during transport. ![]() ![]() Transport vehicles or freight containers containing lading which has been fumigated.Įxceptions for shipment of light bulbs containing hazardous materials.Įxceptions for shipment of waste materials.Įxceptions for Class 3, Divisions 4.1, 4.2, 4.3, 5.1, 6.1, and Classes 8 and 9 materials. Portable and mobile refrigeration systems.Įxceptions for non-specification packagings used in intrastate transportation. Oilfield service vehicles, mechanical displacement meter provers, and roadway striping vehicles exceptions. Hazardous material classes and index to hazard class definitions.Ĭlassification of a material having more than one hazard. Shippers-General Requirements for Shipments and Packagings ![]() |
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