Palm springs 10 day forecast

Another 10 pull of disappointment, met with incisus and pestilawhateverhisname is later I started to consider- should I start investing in farming a legendary?
60 energy a day to get what? Maybe 3 shards? To farm Celestine it would take a very long time; with her and maybe the emperors champion being a few that I’d like to have. I just don’t know; as a newer player maybe I should just devote all my resources into my still silver characters to keep going through the campaign.
I just felt especially demotivated from a poor pull and wanted to hear from the community’s opinions on farming legendarys (heck maybe there’s even a few people from the start of the game launch who actually have managed to entirely farm one).

Speed: Hedera Hashgraph can process up to 10,000 transactions per second, while most blockchains can only process a few hundred transactions per second. This makes Hedera Hashgraph much faster for applications that require high throughput, such as payments and supply chain management.
Here is how Hedera Hashgraph achieves its high throughput:

• Gossip about gossip: Hedera Hashgraph uses a unique consensus algorithm called gossip about gossip. In gossip about gossip, each node on the network maintains a list of its neighbors. When a node has a new transaction to add to the ledger, it sends it to its neighbors. The neighbors then send the transaction to their neighbors, and so on. This process continues until the transaction has been propagated to all nodes on the network.
• Virtual voting: Hedera Hashgraph uses a process called virtual voting to reach consensus on the order of transactions. In virtual voting, each node on the network votes on the order of the transactions that it has seen. The node with the most votes for a particular order wins, and that order is then used to add the transactions to the ledger.

Efficiency: Hedera Hashgraph is much more energy efficient than other blockchains because it does not require miners to compete for the right to add blocks to the chain. In a proof-of-work blockchain, miners must solve complex mathematical problems in order to add blocks to the chain. This process requires a lot of energy. In a hashgraph network, all nodes on the network can participate in consensus without the need for mining. This makes hashgraph networks much more energy efficient.
Security: Hedera Hashgraph is just as secure as other blockchains. It uses a unique consensus algorithm called asynchronous Byzantine fault tolerance (aBFT). aBFT is a fault-tolerant consensus algorithm that can tolerate up to 33% of malicious nodes on the network. This makes it very difficult for an attacker to take control of the network.
Hedera Hashgraph also uses a number of other security measures, including:

• Cryptographic signatures: All transactions on Hedera Hashgraph are signed with cryptographic signatures. This helps to ensure that the transactions are authentic and cannot be tampered with.
• Hierarchical deterministic (HD) wallets: Hedera Hashgraph uses HD wallets to store user funds. HD wallets are very secure and make it difficult for attackers to steal user funds.
• Staking: Hedera Hashgraph uses staking to secure the network. Staking is a process where nodes on the network put up a stake of HBAR tokens in order to participate in consensus. This helps to ensure that nodes are motivated to act honestly and in the best interests of the network.

Scalability: Hedera Hashgraph is designed to scale to meet the needs of future applications. It can support millions of nodes and billions of transactions per day. This makes it a good choice for applications that require high scalability, such as gaming and decentralized finance.
Hedera Hashgraph is able to scale so well because it uses a gossip about gossip consensus algorithm. This algorithm allows the network to grow without sacrificing performance.
Open source: Hedera Hashgraph is open source, which means that anyone can inspect the code and contribute to its development. This makes Hedera Hashgraph a more transparent and trustworthy platform.
The open source nature of Hedera Hashgraph also allows developers to build new applications and services on top of the platform. This makes Hedera Hashgraph a more versatile and powerful platform.
Overall, Hedera Hashgraph is a superior blockchain platform to other options on the market. It is faster, more efficient, more secure, more scalable, and open source. If you are looking for a blockchain platform for your application, Hedera Hashgraph is a good choice.

I have just deleted the previous AMA over 6 abusive private messages I received - there’s a lot of hate and prejudice out there for taxi drivers. From being called an uneducated scumbag, to being accused of tax evasion and racism.
Le me be clear, the vast majority of taxi drivers are honest hard working people who have to put up with a lot of shit from people day in, day out. All I ask is to be polite and respectful when I’m giving my time to answer your questions.
I won’t be discussing anything regarding taxi drivers and income tax apart from the fact that of all the self employed industries out there - taxi drivers are the only ones who need to get a tax clearance Cert every 12 months to renew their licence. Yet somehow, we are synonymous with tax evasion - yet nobody cares about your local barber, plumber etc. Every single fare is recorded and stored on the meter. That data is stored for over 10 years, and be audited by Revenue.
So let’s try again, if you have any questions regarding the taxi industry in Ireland, ask away.

TLDR at the end. This is a little bit of a rant with a question at the end. Anyways my team finished 5-2 and had playoffs this past week and we’re the 3 seed. Top 4 teams make playoffs so that means we play the “2 seed” who also finished 5-2. There were 10 teams in the league and the league is 7 games long. We didn’t play the 2 seed in the 7 games we played and this is where the issue starts. Since we both finished 5-2, there are tiebreakers that determine seeding in our league.
First is winning percentage (we both went 5-2). #2 is head to head record but since we never played them in the season this tiebreaker doesn’t matter. #3 is head to head run differential which also doesn’t matter since we didn’t play them. #4 is total runs for (whoever scored the most runs in the season). My team scored 99. The “2 seed” scored 60. So clearly since we scored more we should be the 2 seed instead of the 3 seed.
I email the league director about it and plead my case. She doesn’t respond til 3 business days later which is one day before playoffs. But since she didn’t reply promptly I emailed the league manager or whoever is below her. This guy responds and says my analysis seems correct but that he talked to the league director and she doesn’t want to change the schedule. 20 minutes later is when the league director responds to my original email to her and gives me the most general response to an email ever. Honestly it felt automated in a sense. All she emailed was the breakdown of the tiebreaker (which clearly I already read and broke down for her as to why we should be the 2 seed) and she then said the top seed is the home team. Like wtf? So I again responded with why our team should be the 2 seed/home team and told her that the schedule doesn’t even need to be changed. We’re not even playing a different team. It just determines who is home and who is away.
Well she never responded back and we ended up being the away team. And of course what happens? We go into the last inning down by a couple runs and after our at bats as the away team we are up by 1. The other team got bases loaded with 2 outs and a guy hit the ball to right center, drove in 2 runs and won the game.
So here’s my question. Do you think being the home team affects the way you try to hit the ball or run the bases in the last inning since you know the number of runs you need to tie or win? Being the home or away team isn’t that big of a deal but to me it just leaves a “what if” over the game as to what could have happened differently if we were the home team? Maybe we hit or run more or less aggressively and something turns out differently.
TL;DR: League put us as the 3 seed/away team in playoffs even though the league’s tiebreakers determined we should have been the 2 seed/home team. League director blew off my email about it and we ended up losing in the last inning to a walk off hit by the home team even though they should have been the away team according to the rules.

Hello all,
Backstory: In 2007 I was 22 and was working as a security guard with no insurance. I got a bad stomach ache that I didn't go to the Doctor for for because I didn't want a big medical bill (I know, irony) and eventually ended up with my appendix bursting. I was rushed to the hospital and taken into emergency surgery and almost died. Had tubes in my stomach and a big infection and had a 10 day hospital day to recover.
I wasn't too smart then and got the hospital to help with a little bit of the bill but it was still $26,000 and change. I ended up not paying anything, ignoring all the bills, and the hospital eventually sent it to collections. I got a court date in 2009 that I didn't go to and a judgement was put against me. According to Missouri Casenet - Garnishments were put on my check in 2009, 2012, 2013, and 2014. I only remember one actually coming out in 2013 but I changed jobs a lot.
Since then, I haven't received any communication from the debt collection company (Midwesterrn Health Management) until yesterday. Casenet says in 2014 I owed $34,000 now and the paperwork they mailed to me says I owe $58,000. My court date is June 30th. I have never paid them anything or communicated with them at all.
Just looking for any kind of advice on if I can get rid of this debt somehow or what I should do. I read that the statute of limitations in Missouri on medical debt collection is 10 years but I think with them attempting to garnish my check in 2014, that may have restarted the clock and I'm still liable. The court motion they filed says, " Motion for Revival of Judgment" and the hearing is for "Show Cause" ...
I know I was an idiot in handling this back then.. I'm a single Dad raising 2 kids completely by myself and I'm at a job that I absolutely love and plan on retiring from. I make enough money to pay bills and I do as much side work as I can to get by right now and we barely make it. A garnishment of 25% or even 10% will make it impossible for me to get by right now without getting a second job and never seeing my kids. Any advice from this point would be hugely appreciated. I'm in Missouri. Thank you!!

Well it is a music video, where two boys drop out their school wearing black suits and walk in the street, they decided to rent a studio and make a printed ad where they ask beautiful girls to come to their studio for casting. Girls come and start modeling and dancing while the two boys are watching, a pizza guy was dancing too till the end of the day and then they leave quickly and back home.
I visually remember all these details but really cannot remember the title or the artist.
I think it was 10 to 20 years ago.
Thank you so much in advance for helping finding the music video.

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I’ve done my FUT 10 days ago

Introduction: https://www.reddit.com/yandere/comments/142b5vq/irl_yandere_couple_experiences/
First date: https://www.reddit.com/yandere/comments/142bdq3/our_first_date/
​
​
As I said in the first date post I had met with Jenny and we put together a plan for the first date. We also discussed the possibilities for a second and third date. Since we didn't know how well the first date would go we decided to be flexible and I would follow her lead or Finnian's lead if he was completely uninterested. She described that our pairing on the first date seemed "electric" and she had already come up with a couple of ideas for the next date. She didn't feel that I needed any more help but she was more curious than anything. She actually hoped that he would take the bait for the offer but I jumped at it first.
Jenny and John knew of a Colorado Indie band that was visiting Fort Collins and was playing at a local restaurant/club called Avogadro's Number. https://www.avogadros.com/The place was close to campus and a hot spot for students. The place always filled up even when there wasn't live music but it was sure to be filled that night. I could barely wait until evening and I was hyped up all day. At one point I started to walk over to a bus stop near his apt where I had watched him before but I decided against it. Avogadro's Number was within walking distance for me and we all decided it was best for everyone to meet there. I don't remember the time we were going to meet but it was after dinner and we were just going to get drinks, dessert and listen to music. Jenny called me in the evening letting me know that another couple was going to come. I didn't care as long as Finnian was there.
I left too early and and started walking. I met him near Sigma Nu, this would seem an odd thing to say here but it was significant. All I needed to do was walk straight North to Avogadros Number but instead I turned West towards his apartment. I knew he'd come that way because I knew his address but he didn't know I knew his address. We started walking together no questions asked. I wanted him to know what I'd been up to but not everything so I made myself "suspect" by meeting him on this route. We were casual and it was a nice night for February. If you've lived in Colorado you'll know that the weather can be extreme. February can range from 70 F to below zero F and I remember that it was nice weather for coats. Finnian and I were late when we met Jenny and John with the other couple. I don't remember the other couple and I don't recall them ever entering our lives again. Jenny and John had a lot of friends.
The six of us shared a table for two near a window further away from the music. I saw the restaurant was going to run out of chairs and while John and Finnian were talking I grabbed a chair for he and I... to share. I did this on purpose. We all kind of gathered around the table and I gave the chair to Finnian and he tried to give it back and he remembers me saying, "I want to sit down, so sit...por favor..." I then planted myself on his lap with my arm around his shoulders. We weren't the only ones doing this. The place was packed and some people were standing or leaning on the wall or even on the floor, etc. He remembers the band to be a folksy alternative indie rock band, nothing really special but good musicians. He remembers that we all ordered dessert and he and I had coffee. I did not care about drinks, dessert, music or anything only being with him. He and John talked a little but John couldn't stay still and kept wandering. That left us alone but in good company.
I was really calm that night and played with his hand a lot. We talked. It was silly early dating talk about interests and such. I remember we talked about why we were attending ColoSU and I learned about his major but not schedule (that's important). (I actually knew his major and had met his professors too so this made it official) I straight out asked him if he was serious about transferring to the Uni Alaska, Fairbanks. He was surprised that I knew about that and I made the comment while looking away from him that I knew more about him than he thinks. He said, "probably." We were flirting with words and proximity very subtley. He was catching on and we both knew that we were becoming a couple.
He talked about backpacking, I remember feeling it was a test of sorts. Would I be willing to go and rough it? I told him that it sounded like a dream and little did either of us realize how much we would later on. I learned how matter of fact he is and how he can be brutally but gently honest. He told me about how he wrote an enormous paper about the Hungarian Uprising and entitled it "Much Ado About Nothing." He was in High School and he had to write a paper about the Cold War and he chose that topic even though his Dad said it was a lie and never happened and the teacher said he wouldn't find any info on it. He concluded the paper by talking about The Frankfurt School (Cultural Marxism and Political Correctness) being founded by the Hungarian Marxists which is also "much ado about nothing." You see how he flatly quoted their idea and still upheld his idea that it was very important? I think he's brilliant.
We also talked about favorites and I did a silly thing that he told me later interrupted his dreams. I asked his favorite animal, wolf, and confessed mine to be a fox. Then I volunteered why, and I listed off a variety of reasons including the vixen mating scream which he looked up later that night. https://www.youtube.com/watch?v=tYYHrG6UC4U He said that Brad, his apt mate heard it and commented, "another psycho chick." I also mentioned the vulgar Spanish language connection. This is hard to explain in a short writing the complexities of these flirts. "Zorra" (vixen) is a suggestive word. I like word play. I remember growing up confusing my parents with, "Que linda zorra persiguiendo a un gallo." (What a cute vixen chasing a chicken) or (What a cute bitch chasing cock) Mother would ask, "why does the fox have to be a female and the chicken a male?!" And I would reply, "because I'm a girl and my favorite animal is a fox so it's a girl fox and the rooster defends the girl chickens." (reversing the genders would make the phrase polite and not vulgar - colloquially) Finnian knew what I was doing.
Do you see what we were discovering? We were connecting intellectually and understanding an important communication style. We found that we were both "moderately good" people who flirted with bad. To write a paper calling out past and present history and calling it nothing is similar to me saying "zorra traviesa traviesa zorra" which can be translated to "vixen naughty sleeper bitch." With all this word play and lap sitting I sound very whorish but we were actually very behaved and we knew we were connecting deeply and in ways that that take other couples months. I was trying to take this to another level (again my habit of elevating and pushing forward) and he was catching on which is why we eventually left for a moment.
It was hot in the restaurant with all the people and our warm clothes and he asked to go outside. As he was going John asked if everything was allright and he replied that we were getting some air. Then he grabbed my hand and we pushed our way through the door. I loved that it wasn't just him getting air but he took me. The night was cold but not freezing and he and I took a short walk. Avogadro's Number is by the railroad tracks that go through town and we crossed them and made our way over to a nice church with trees around the building. (about 1000 feet - you could see both buildings) I was just a church and a pretty area no other significance. He asked me, "¿Qué estás haciendo?" (What are you doing? I understood him to ask "What are you up to?") And I answered, "Tu tienes lo que quiero." (You have what I want.) I was playing the song game with him that we played the night before and I referenced a song that was eventually played at our Wedding reception. https://www.youtube.com/watch?v=cmYf3IzOLD8 We still do this stuff and later you'll hear more of it including "code phrases" and such.
He commented that the church was made of stone with a good foundation. He was implying that we need to start well if we are going to do this. There was something between us, a spirit of sorts. We were dancing around this coupling. I knew I had him if I just kept being respectful. Respect is important, Jenny actually told me that he wasn't looking for a one night stand but a relationship. Of course I agreed but that did influence how I flirted with him. I tried to be more formal and suggestive at the same time. My heart was so focused on him. He leaned in and gave me a kiss that took me by surprise and I learned he was very good when he is not taken off guard. I actually ended up leaning on a tree when he kissed me. He took my breath away. This was a very romantic toe curling kiss.
We made our way back to the restaurant. We continued our night but we lost our chair so I leaned on him as he leaned against a wall. Eventually, the night was over and the six of us left. As we were chatting outside the restaurant Jenny asked if we made any more plans. The next day was Sunday and I straight up asked him to come to church with me. I wanted him to meet Father Bob at my church, and yes, I was already manipulating things that far ahead. I said I'd be honest about this. I never kidnapped Finnian but I did arrange an early meeting with the priest who would marry us. I am not claiming this was right but it happened. Finnian declined and said he really needed to study tomorrow for an exam and that he knows that I'd distract him the rest of the day if I went to my church tomorrow.
He then suggested we see each other Monday evening and I said, "No, you have Physics from 10:30 - 12:00 and I get off work at 11:45 so we'll meet for lunch in the Student Center main lobby by the coffee shop. It takes 5 minutes to walk from Physics to Lory [Student Center] and 10 minutes for the bathroom so 12:15." He then asked how I knew about his Physics class. I replied, "Chemistry and Physics go together, Querido." I remember that very well because it was so revealing and I felt chills saying it. Everyone in our little party heard and Jenny gave me a cautious look. He knew that I had an idea of his address and class schedule. I admitted that I knew more than I let on, I wanted him to meet my parish preist and now he has a pet name, "Querido." "Querido" means Dear and it is old fashioned and elevated, it was forward.

One day, the earth’s vitality changed, and people began to practice ancient martial arts. Seventeen years later, alien invaders invaded the earth, As a result, human beings were slaughtered and enslaved. In order to stop the alien invaders, all the sovereign countries on the earth united and began to resist, opening the nuclear era on the earth, but they still could not get rid of the enslavement ... Read Abandoned Universe - Chapter 10 - MangaPuma. Read more at https://mangapuma.com/abandoned-universe/chapter-10

Yoe: 10.5 Current ctc: 22lpa Primary tech: java and spring boot, sql Secondary: angular, Ci cd tools exp: big 4 for 8 years, service company for last 2 Current issue: great work life balance but low hikes(under 5% for 2 years), no learning and no growth. Goal: Get into a well paying product company
Few questions: 1) how do I not get low balled? With companies paying anywhere between 15 and 60+ how do I make sure I'm not being offered a salary which is lower according to their own standards? 2) what kind of salary should I aim for realistically? I'm guessing I should aim for 30lpa for the initial offer and then go up from there if I can get more calls and convert. But this is if I'm able to clear multiple companies in these conditions. 3) what kind of companies ask leetcode and design? I'm not obsessed about faang and I don't know enough to clear those interviews yet. But how do I find the next tier who don't expect extremely high level of DSA and design for my YOE? I want to keep interviews where I need to some times mug up answers on java and other tech to a minimum
I've been doing leetcode for a few months and have improved and started reading up on system design. I'm not in a rush to change jobs but would like to get a great offer if I'm moving I don't have friends who work in product companies to ask this to. I'd greatly appreciate help from the community
Also, I don't want to waste my time waiting for the market to better. I'd rather try and get some hike if possible and then move again when the market improves. If you have any tips for switching jobs at this point off time, I'd greatly appreciate it. 🙏

If you’re in any way exposed to real estate, whether because you’re looking to get in the market, curious about interest rates, or bombarded with BlogTO headlines, you’ve probably heard the terms “pre-qualification”, “pre-approval”, and “rate hold”.
A “pre-qualification” is a rough estimate of how much mortgage you could qualify for based on values you provide, including income, debts, and down payment. The calculation will also use a pre-determined set of shelter costs based on location (taxes, heating, and condo fees). This is a step up from the “income x4 or x5” rule of thumb, however there is no verification of the information you’ve provided. In other words, it takes what you provide at face-value and it’s not underwritten in any way. You can often get pre-qualified on your bank’s website, RateHub, Wowa, or even your broker’s calculator app, but you will always be prompted to get in touch with someone, or they will take your contact info and get in touch with you for the next step.
A “pre-approval” takes it one step further by requiring you to submit supporting documentation. These documents may include a letter of employment, paystubs, previous years’ T4s, bank statements to source down payment funds, and it will often require a credit check for a more accurate breakdown of your liabilities (Equifax or Transunion). This makes your application “underwritten” — meaning someone has taken the time to cross-reference the information on your application and your documents; and there’s a higher chance of getting approved once you have a firm offer.
This type of underwriting uses the most current rates available to determine your affordability at a-point-in-time, but unless the pre-approval application has been submitted and approved by a lender, your mortgage qualification may vary because it doesn’t include a “rate hold.” If interest rates rise, your qualification will be subject to a higher interest rate, which may result in lower affordability.
Most lenders offer “rate holds” (90-120 days for purchases and renewals; 60-90 days for refinances), but not every lender offers pre-approvals. In the mortgage world, most lenders will hold your rate while your application is live to give you enough time to close, but only a handful of lenders will offer a rate hold without a subject property.
Many lenders in the broker channel offer promotional rates that are available on live deals only, or for quick closes. This is often the case for “lowest interest rate” searches — the rates do exist but may not be available for a rate hold unless you submit a full application and your purchase agreement.
There are also lenders who offer pre-approvals and rate holds but add a premium to their posted rate (usually 10-25 bps).
Some lenders only offer pre-approvals on 5-yr terms, while most banks will offer them for any term.
Most bank branches can issue pre-approvals with a rate hold without upfront documents, but they often include conditions that protect their interest, so don’t be surprised if they choose not to honour the rate if your income, credit or down payment looks different once your deal goes live.
Most realtors insist on getting pre-approved before home shopping to increase your chances of securing financing, but it’s definitely not a requirement.
Most brokers also insist on getting you “pre-approved” so you know what you can afford, but also because having a pre-approval with them increases their chances of keeping you as a client when you’re ready to buy.
Finally, when you get a pre-approval, you’re not required to submit your financing application with that same lender. So you CAN have more than one pre-approval with different financial institutions and/or brokers.

One day, the earth’s vitality changed, and people began to practice ancient martial arts. Seventeen years later, alien invaders invaded the earth, As a result, human beings were slaughtered and enslaved.In order to stop the alien invaders, all the sovereign countries on the earth united and began to resist, opening the nuclear era on the earth, but they still could not get rid of the enslavement… ... Read Abandoned Universe - Chapter 10 - MangaPuma. Read more at https://mangapuma.com/abandoned-universe/chapter-10

Hello! This may seem off topic, but I asked a friend where I should ask on Reddit about either sources to find data on the volume of tuning forks as an object, as well as each fork's respective Hertz value. I am for some reason, looking for a correlation between them, even though I have also found out from said friend who takes Physics HL that volume and Hertz may not have a cause and effect relationship, though volume and frequency might (if I heard from both them, and their physics teacher correctly)? Hence, I would like to ask:
Would anyone would be willing to measure the volume and note down the Hertz of any tuning fork sets you may have around you? Or perhaps give me direction as to where I can find existing data tables that can provide me with the values I am looking for?
I have been needing to find another 30 pieces of data for my IA, as my primary data has only come from 10 individual tuning forks; the tuning fork set was fairly big considering the school I'm in, but there weren't enough. At the latest, I would need all this data by Monday of next week, so in the next five days.
Apologies if this is off topic, or inconveniences anyone! Hope everyone has a good day!

This can be as a group or solo. Can do well with both naman as long as productive yung gagawin. Small talks are highly appreciated pero prioritizing work/acad stuff dapat. Mas gusto ko lang may kasama while doing things para nappressure ako and hindi nagpprocastinate HAHAHA. We can chat for a couple of days for vibe check. Co-working can be done thru online sesh or hangout irl. I love both naman. about me: 5'10, maganda boses, golden retriever energy, chinito na naiwan sa kusina, easy on the eyes pa rin, willing to send a photo, from san fernando pampanga Up for calls din!!

If you’re in any way exposed to real estate, whether because you’re looking to get in the market, curious about interest rates, or bombarded with BlogTO headlines, you’ve probably heard the terms “pre-qualification”, “pre-approval”, and “rate hold”.
A “pre-qualification” is a rough estimate of how much mortgage you could qualify for based on values you provide, including income, debts, and down payment. The calculation will also use a pre-determined set of shelter costs based on location (taxes, heating, and condo fees). This is a step up from the “income x4 or x5” rule of thumb, however there is no verification of the information you’ve provided. In other words, it takes what you provide at face-value and it’s not underwritten in any way. You can often get pre-qualified on your bank’s website, RateHub, Wowa, or even your broker’s calculator app, but you will always be prompted to get in touch with someone, or they will take your contact info and get in touch with you for the next step.
A “pre-approval” takes it one step further by requiring you to submit supporting documentation. These documents may include a letter of employment, paystubs, previous years’ T4s, bank statements to source down payment funds, and it will often require a credit check for a more accurate breakdown of your liabilities (Equifax or Transunion). This makes your application “underwritten” — meaning someone has taken the time to cross-reference the information on your application and your documents; and there’s a higher chance of getting approved once you have a firm offer.
This type of underwriting uses the most current rates available to determine your affordability at a-point-in-time, but unless the pre-approval application has been submitted and approved by a lender, your mortgage qualification may vary because it doesn’t include a “rate hold.” If interest rates rise, your qualification will be subject to a higher interest rate, which may result in lower affordability.
Most lenders offer “rate holds” (90-120 days for purchases and renewals; 60-90 days for refinances), but not every lender offers pre-approvals. In the mortgage world, most lenders will hold your rate while your application is live to give you enough time to close, but only a handful of lenders will offer a rate hold without a subject property.
Many lenders in the broker channel offer promotional rates that are available on live deals only, or for quick closes. This is often the case for “lowest interest rate” searches — the rates do exist but may not be available for a rate hold unless you submit a full application and your purchase agreement.
There are also lenders who offer pre-approvals and rate holds but add a premium to their posted rate (usually 10-25 bps).
Some lenders only offer pre-approvals on 5-yr terms, while most banks will offer them for any term.
Most bank branches can issue pre-approvals with a rate hold without upfront documents, but they often include conditions that protect their interest, so don’t be surprised if they choose not to honour the rate if your income, credit or down payment looks different once your deal goes live.
Most realtors insist on getting pre-approved before home shopping to increase your chances of securing financing, but it’s definitely not a requirement.
Most brokers also insist on getting you “pre-approved” so you know what you can afford, but also because having a pre-approval with them increases their chances of keeping you as a client when you’re ready to buy.
Finally, when you get a pre-approval, you’re not required to submit your financing application with that same lender. So you CAN have more than one pre-approval with different financial institutions and/or brokers.

Hey, I don't technically have PE, I suffered from it when I was anxious about my performance, like after having sex for the first time after weeks or months of hard trials with my gf or ex-gf, most of the times tho, I can last longer, I would say 90% of the times around 5 honest minutes, but still I would like to improve because I don't enjoy sex as much as I would like to...
for example I can not do certain positions (her on top of me thrusting), and I can not be vigorous, which is something I really like, I don't really have control over my orgasm or ejaculation and often I feel dissatisfied with myself.
I remember a couple of instances where I ejaculated with a soft dick
I was looking for kegels exercises because I have seen people claiming they can help, as well as meditation and breathing techniques, since it is a concern, but not too big to invest hours every day (I already know I won't be consistent), I was thinking of implementing kegels because I know you can do it whenever you want wherever you wan, even when you are sitting at your computer on in your bed...
From time to time I can manage to last longer like 15-20 minutes but it is rare... I would like to have more control.
The strange thing is that I noticed that often even at the second attempt I don't last much longer so sometimes it seems like it is not only tied to my arousal.
Also, masturbation before having sex is not optimal since masturbation kind of kills my sex drive and my erection is not that good either and moreover I noticed it didn't help much. I sometimes smoke weed and the last time I smoked weed I had sex for 30 minutes and the feeling was fantastic, I felt like I could go vigorous and thrust as strong as I want in every positions and it really changes the experience of sex! I think it is possible to at least improve and have some sort of control and at least last 10-15 minutes. I don't want to be disrespectful for who suffer from PE since I couldn't say I do suffer from it and it may look disrespectful to post here , I have pe (under 1 mjnute) only from time to time, and it is traumatic, I had also bad reactions from my gf the first time... but I still want to improve and this looked like a good subreddit for this

It's cold. But when it's winter it must be cold. And that's the problem. You either have to pay for heat or get tired with getting coal or wood, starting the fire and checking it doesn't spread. Going out is a torture. You have to put in a dozen layers of clothes. Underwear, pants, short-sleeved shirt, long-sleeved shirt, sweatshirt, boots, neck warmer, hat, gloves. To go out to a shop that is on the ground level or just around the corner, you need all this wearing and getting tired. Winter clothes are heavy, limit motions, sometimes even visibility, and are hard to put on and put off. So buying those is hard and even if you do, then they're hard to walk in. Summer and spring don't have those problems, because you can put on clothes for outdoors and indoors, just change boots and you're alright.
And winter is such a great time to get sick. And the worst thing is having a stuffed nose and have to breathe with your mouth, with this cold air. Throat damage guaranteed, plus this pain in the face from the cold air blowing in your direction. Summer and spring don't have such problems. And winter has the highest amount of deaths of all the seasons. I literally got a frostbite because I touched snow with my bare hands because I didn't have gloves on them. And if you're healthy and put on the clothes, there's another problem.
Getting around. Most of us are rich and have a car and can drive wherever they want. But if you can't, you have to use public transit. I don't have anything about just using it or the fact of the existence of public transit, but the quality of those in Poland, where I live, leaves much to be desired. You have to wait, in cold. In a city this isn't a problem as big as in the rural areas where buses function. These are often coming only in early mornings and in early afternoon, but even if they come more often, they often are late. And no matter the location, you often have to stand, and even if you find a seat, you can sometimes smell people who don't shower very often. Trams, trains, metros and buses are often heated, like most indoor places, we'll get to that later, and people coming there in winter are usually in jackets and sweat in those vehicles, especially considering how crowded they often get and how warm those crowded people are. You'll sweat like a construction worker after 8 hours of work during a heatwave. And driving doesn't save you from the effects of winter. You have to scrape snow from your car, the engine can not start or the visibility is low and roads are blocked or icy, you can skid easily and crash into another car, a pedestrian, a pole or a tree. Walking does neither. If snow falls, it's crushed by people walking, melts and freezes again, and or forms ice on the sidewalk. And you can slip on it and either break something or die. Each time I walk on it, I think I'm gonna die. Either i slip on it and land on a spiked fence, I land on the sidewalk and break something, or I land on the street and get run over by a semi truck or a car. If you manage to get to your destination, there's another problem.
All the buildings are heated, so if you're in winter clothes, you're going to sweat like a construction worker after 8 hours of work during a heatwave.
It's dark half the day. You go to work or school, dark, you go back, dark. And the other half it's cloudy and grey. And the whole world dies. No leaves, no grass, no flowers, some animals hibernate, just grey, cloudy skies and white brown combination of snow, soil, water and mud. No sun. Sure, there are Christmas lights but let's face it, they are only to hide the grey and dark.
It's a hard time for students. The semester ends. You have to pass everything. They throw a lot of tests and quizzes at you. You will tire yourself to death.
Winter sports and games. Snowballs. I hate snowballs. Even if the person who throws one is someone I like. Usually, I take it easy, but in my mind, I hate it. Ice skating. I can't do that because the nearest lake or skating rink is too far away to walk. I could afford that, but I would need to wear all those clothes, get on the bus, ask my parents for approval, get back. No way. Skiing. I live in a city surrounded by forests and farm fields. No way. Sledding. Those are easier because I have some hills in my neighborhood, but going out, taking the sled, going back. Nope. Snowman. Going out. No.
And there are, CHRISTMAS IN WINTER. I'm fed up with them. Literally a few days after Halloween and All Saints Day, all the shops and malls are decorated, and Christmas songs are playing on the radio and Christmas commercials on TV. "Last Christmas, I gave you my heart...":“Christmas promotion! Bone carp, only 21.37 per package or a withered Christmas tree, 69.69 each plus delivery for 3.21. Holidays for Christmas, Old Zealand, 666.66 both ways. Christmas loans, only in Pierogi Bank Polski." Don't take Christmas loans, that's the stupidest thing you can do in that time of the year. They're still up everywhere, wherever I go, whatever I look at. Until the day finally arrives, December 24, when you are completely fed up with it. And it's not like I hate Christmas. Christmas in their current shape and theme are asking for dislike. You want to get up, leave, and come back when all this madness is over. But it's nice that we have time off and we get presents and meet our family. In the summer we have more free time, and on birthdays and name days we also get gifts and meet our family. But always something. And then there's another holiday.
New Year's Eve and New Year, when humans celebrate Earth going around the Sun once again, while nothing besides it happens in nature and humanity on those two days. You can do whatever you want on that day, and in my case, it'll be sitting on the couch in pajamas, watching TV and eating some unhealthy snacks like chips. Most people will spend it partying with friends and family and doing stuff together. And then, they will count from 10 to 1 like if a rocket was starting, and then fireworks explore, and dogs are scared. Afterwards, people will start to go home. And then you can't sleep the whole night because some idiots have too much fireworks and firecrackers, which is also a problem the whole winter.