![]() ![]() A 5/6 ARM - which carries a fixed rate for five years, then adjusts every six months - might be the right choice if you plan to stay in your home for just a few years. ![]() Initial rates for ARMs are typically lower than those for their conventional counterparts. If an ARM is a good option. As rates rise, it might be tempting to choose an adjustable-rate mortgage (ARM).If you have some room in your budget, a 15-year fixed-rate mortgage reduces the total interest you'll pay, but your monthly payment will be higher. These loans come with lower monthly payments, although you'll pay more interest during the course of the loan. The loan length that's right for you. If your budget is fixed, a 30-year fixed-rate mortgage is probably the right call.To study various scenarios, just change the details you enter into the calculator. As you shop for a purchase loan or a refinance, Bankrate's Mortgage Calculator allows you to estimate your mortgage payment. Mortgage insurance: If your down payment is less than 20 percent of the home's purchase price, you'll probably be on the hook for mortgage insurance, which also is added to your monthly payment.Īs you set your housing budget, determining your monthly house payment is crucial - it will probably be your largest recurring expense.As with property taxes, you pay one-twelfth of your annual insurance premium each month, and your lender or servicer pays the premium when it's due. If you live in a flood zone, you'll have an additional policy, and if you're in Hurricane Alley or earthquake country, you might have a third insurance policy. Homeowners insurance: Your insurance policy can cover damage and financial losses from fire, storms, theft, a tree falling on your home and other hazards.If you have an escrow account, you pay about one-twelfth of your annual tax bill with each monthly mortgage payment. Property taxes: Local authorities assess an annual tax on your property.Interest rates are expressed as an annual percentage. Interest: This is what the lender charges you to lend you the money.Principal: This is the amount you borrowed from the lender.Your lender also might collect an extra amount every month to put into escrow, money that the lender (or servicer) then typically pays directly to the local property tax collector and to your insurance carrier. The principal is the amount you borrowed, while the interest is the sum you pay the lender for borrowing it. The major part of your mortgage payment is the principal and the interest. Typical costs included in a mortgage payment You can edit these amounts or even ignore them as you're shopping for a loan - those costs might be rolled into your escrow payment, but they don't affect your principal and interest as you explore your options. Bankrate's calculator also estimates property taxes, homeowners insurance and homeowners association fees. Your rate will vary depending on whether you’re buying or refinancing.Īs you enter these figures, a new amount for principal and interest will appear to the right. Our calculator defaults to the current average rate, but you can adjust the percentage. Next, you'll see “Length of loan.” Choose the term - usually 30 years, but maybe 20, 15 or 10 - and our calculator adjusts the repayment schedule.įinally, in the "Interest rate" box, enter the rate you expect to pay. You can enter either a dollar amount or the percentage of the purchase price you're putting down. A down payment is the cash you pay upfront for a home, and home equity is the value of the home, minus what you owe. ![]() In the "Down payment" section, type in the amount of your down payment (if you're buying) or the amount of equity you have (if you're refinancing). The calculus behind mortgage payments is complicated, but Bankrate's Mortgage Calculator makes this math problem quick and easy.įirst, next to the space labeled "Home price," enter the price (if you're buying) or the current value of your home (if you're refinancing). ![]()
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![]() Outlying counties are included in the CBSA if 25% of the workers living in the county work in the central county or counties, or if 25% of the employment in the county is held by workers who live in the central county or counties.Īdjacent CBSAs are merged into a single CBSA when the central county or counties of one CBSA qualify as an outlying county or counties to the other CBSAs. Additional surrounding counties, known as "outlying counties", can be included in the CBSA if these counties have strong social and economic ties to the central county or counties as measured by commuting and employment. The counties containing the core urban area are known as the "central counties" of the CBSA these are defined as having at least 50% of their population living in urban areas of at least 10,000 in population. ĬBSAs are delineated on the basis of a central contiguous area of relatively high population density, known as an urban area or urban cluster. Office of Management and Budget defines a set of core based statistical areas (CBSAs) throughout the country, which are composed of counties and county equivalents. ![]() In 2023, OMB revised the delineations of these CBSAs. Definitions An enlargeable map of the 939 core-based statistical areas (CBSAs) of the United States and Puerto Rico as of 2020 the 384 MSAs are shown in medium green. federal government agencies for statistical purposes. MSAs are defined by the Office of Management and Budget (OMB), which is part of the Executive Office of the President, and are used by the U.S. Some metropolitan areas include more than one large historic core city, including the Dallas–Fort Worth metroplex, Virginia Beach–Norfolk–Newport News (Hampton Roads), Riverside–San Bernardino (Inland Empire), and Minneapolis–Saint Paul (Twin Cities). ![]() Ī typical metropolitan area is polycentric and no longer monocentric due to suburbanization of employment and has a large historic core city, such as New York City or Chicago. The statistical criteria for a standard metropolitan area were defined in 1949 and redefined as a metropolitan statistical area in 1983. As a result, sometimes the precise definition of a given metropolitan area will vary between sources. Such regions are not legally incorporated as a city or town would be and are not legal administrative divisions like counties or separate entities such as states. ![]() In the United States, a metropolitan statistical area ( MSA) is a geographical region with a relatively high population density at its core and close economic ties throughout the region. ![]() ![]() ![]() ![]() The iPhone 15 also benefits from Apple’s enhanced Photonic Engine, which delivers brighter images.Īction mode for capturing smoother video continues to be available to iPhone 15 owners, while its new USB-C port allows it to charge all of your other favorite gadgets - like the AirPods and Apple Watch, And that comes in a device that continues to cost $799, making it one of the more affordable flagships out there. A larger sensor with bigger pixels powers the main camera, improving performance in low light and makes its 2x zoom photos usable. While the 5x telephoto camera in the iPhone 15 Pro Max is grabbing most of the attention, the iPhone 15’s camera improvements are noteworthy - so much so that this model ranks among the best camera phones even without a dedicated telephoto lens, which Apple is able to do with some hardware and software magic. But at least the iPhone 15’s version of the A16 features it the extra GPU muscle to boost it over the iPhone 14. The iPhone 15 features an A16 Bionic chipset instead of the newer A17 Pro. The notch is gone, and now in its place, the Dynamic Island that it borrows from the iPhone 14 Pro series. The iPhone 15 doesn’t have the flashier features found in its Pro siblings, but it’s still a solid upgrade, particularly if you’re looking to make the move from an older iPhone - we're thinking iPhone 13 or later. ![]() Who should get the iPhone 15: Anyone who wants the least expensive model of Apple's latest phone. We struggle to come up with any serious complaints about the iPhone 15 Pro Max, which is not only the best phone you can buy right now, but the best iPhone Apple’s ever made. Its most notable new addition is its improved telephoto camera range, which now extends to 5x zoom, the longest in an iPhone to date. The new Action button replaces the mute switch and can be programmed for a number of functions - including acting as the mute switch. The iPhone 15 Pro Max’s hits keep on coming. That battery kept the iPhone 15 Pro Max running for more than 14 hours in our test, placing it near the top of the best phone battery life rankings. Plus, the Pro Max offers an expansive 6.7-inch display with a big battery to match. While this is the most expensive iPhone, you also get the super-fast A17 Pro processor, an improved 12MP telephoto camera with 5x zoom, and an eye-catching titanium alloy frame. Here's how we rank the best iPhones currently available.Įvery premium feature Apple packs into its phones is on display with the iPhone 15 Pro Max, and the phone has the price tag to show it. Whether you're a long-time iPhone fan or just making the switch from Android to iPhone, we can help you find a phone you'll be happy to use. If you're wondering whether to get the new iPhone 15 or save some money by going with an older one, we'd suggest to do your due diligence and research the best iPhone deals around to score you the best bang for the buck for your new iPhone. From the latest iPhone 15 models to older versions like the iPhone 14, iPhone 13 or iPhone SE, there's going to be an Apple device that fits your needs and your budget. We also look at what you get by paying more for a Pro phone in our iPhone 15 vs. iPhone 15 Pro Max comparison to see how the models differ. In fact, there's never been a better time to be in the market for a new iPhone, as Apple's annual fall update is now in place, and all four iPhone 15 models have proven to be strong contenders for the best iPhone title. ![]() ![]() ![]() The minimum freqeuncy supported by the library is 1ms and the maximum is 8.3s. pwm(pin, duty, period) – Generates a PWM waveform on the specified pin. ![]() This library has easy functions for setting the frequency and duty cycle of the square wave being generated The TimerOne library provides control over the HardwarePWM module connected to timer 1 (aptly). The registers for the Hardware PWM module can be written to directly as described here, but the joy of the Arduino environment is that somebody is likely to have written a library to simplify that process. Values for Duty cycle and Frequency are written to registers within the controller and the hardware generates the appropriate signal on the desired output pin. Modern microcontrollers have dedicated hardware modules to generate a code independent square wave. Conditional statements may not execute on every loop so it is hard to guarantee that each loop will take exactly the same amount of time. With a software generated signal any variation in the code execution time can cause variations in the output. This is why the blink without delay example is so important to learn. This would be functional but the Arduino would be dedicated to producing this signal the whole time and would not do anything else. The following code would produce a signal with a 1 second Frequency and a 10% duty cycle. In it’s simplest form a PWM square wave can be created with a few lines of code. In these digital systems the amplitude is fixed between 0 and 1, between 0V and VCC. Duty Cycle – The proportion of On time to Off time usually expressed as a percentage.Frequency – The number of times the signal repeats in a given time frame.Amplitude – The amount the signal changes between On and Off states.Pulse Width Modulation (PWM) is a technique for creating a digital square wave signal. A square wave has 3 main characteristics Arduino Tutorial Online Courses Video Training.Arduino Nano Projects List in PDF offline downloadable.Android based arduino Projects List Download PDF.esp8266 arduino projects list in pdf offline downloadable.Arduino Proteus Projects List for Download.Arduino UNO Projects List in PDF offline downloadable.Arduino Mega 2560 projects list in PDF offline downloadable.Arduino Complete Projects List PDF Downloadable.Huge List of tutorials & Components based resources.NOTE: When the motor shield is powered by external power source, make sure the external power source and Arduino have the same GND. The swith between external and Arduino power is implemented by two jumpers. PWRIN: The motors can be powered by external power supply when the motor current exceeds the limits provided from the Arduino. The male header behide the terminals are the same as the motor terminals. Motor Terminal: Two DC motors are connected to blue motor terminals. The PLL mode uses M1 and M2 to generate phase control signal. The PWM mode uses E1 and E2 to generate PWM signal. Motor Driven Voltage:4.8~35V (From Arduino or External Power Source)Ĭontrol Mode Selection Jumpers: The shield supports PWM and PLL(Phased Locked Loop) control Modes.Logic Control Voltage:5V (From Arduino).It is strongly encouraged to use external power supply to power the motor shield. The Motor shield can be powered directly from Arduino or from external power source. The enable/disable function of the motor control is signalled by Arduino Digital Pin 4 and 7. The speed control is achieved through conventional PWM which can be obtained from Arduino’s PWM output Pin 5 and 6. It uses a L298N chip which deliveries output current up to 2A each channel. ![]() This 2x2A DC Motor Shield for Arduino allows Arduino to drive two channel DC motors. Arduino_Motor_Shield_L298N_SKU_DRI0009_-DFRobot ![]() ![]() ![]() The hallway that connects the bathroom and bedroom leads ultimately to the living room, complete with comfy sofa, matching armchairs, coffee table, a second flatscreen TV, a mini-fridge housed in a vintage steamer trunk, and a guest bathroom off to the side. Ultra-premium amenities courtesy of Diptyque La Bottega Meanwhile, the 300ml bottles of premium body lotion, shampoo, conditioner and shower gel are all courtesy of Diptyque La Bottega, but – as a large printed note points out – they are not for taking home (unless you’re interested in buying them). ![]() ![]() This attention to life’s little luxuries is also evident in the spacious bathroom, where a double-sink mirrored vanity sits between the glass-doored shower and toilet on the left, and the pleasantly deep bathtub on the right. The lake view is had from the bedroom, which boasts a glorious king-sized bed, flatscreen TV, plush chaise lounge, and an ample closet where I’m presented with the most unbelievably comfortable bathrobe – literally the softest one I’ve ever worn. For me, it’s all just a big slice of hometown heaven! Spacious bathroom with double-sink vanity, invitingly deep bathtub, and Caitlin Cronenberg framed art photo Lake Ontario View RoomĪfter checking in, I’m taken up to my 17th floor Lake Ontario View Room which, as promised by its name, offers a stunning view of the lake – as well as the famously scenic ‘Toronto Islands’ that lie just offshore, and the 553-metre-high CN Tower, which is so close that I need to crane my neck upwards to see the top of it. My visit, it turns out, coincides exactly with the annual Toronto International Film Festival (TIFF), and since the Ritz-Carlton is located directly across the street from Roy Thompson Hall – where all the star-studded gala film premieres take place – it’s often considered ground zero for visiting movie moguls and A-list celebrities. Roy Thompson Hall (lower right), where the star-studded gala film premieres at TIFF take place (photo: Wikipedia)Īs I enter, I notice the hotel’s high-ceilinged lobby is filled with film industry executives in business attire milling about, shaking hands, and chatting excitedly. All rooms are a minimum of 450-square-feet (more than 40-square-metres) making them amongst the largest luxury hotel rooms available in Toronto. Now it’s been transformed into a chic five-star hotel featuring 263 luxurious guest rooms – including 56 one-bedroom Corner Suites, four Simcoe Suites, two Wellington Suites, and one grand Ritz-Carlton Suite. Turns out this prime patch of real estate on Wellington Street, a stone’s throw from University Avenue, was once a simple car park. Dramatic nighttime skyline views from inside the Club Lounge at the Ritz-Carlton Toronto When I arrived at the hotel’s front entrance, on a crisp fall afternoon in September, I couldn’t help but wonder what stood here before, as this 53-storey tower sits smack dab in the middle of one of the city’s most coveted downtown districts. Truth be told, I actually grew up in Toronto, but I relocated to Asia in 2010 – a year before the Ritz-Carlton Toronto first launched. “You can’t go wrong with the Ritz-Carlton,” I once heard someone remark, so naturally I was overjoyed to find myself booked into one of these prestigious properties during a recent visit to Toronto. For over a century it has remained a leading luxury brand by rigorously adhering to its own elevated standards. In the hotel world, the name Ritz-Carlton is synonymous with refinement and sophistication. The Ritz-Carlton Toronto is a chic five-star hotel featuring 263 luxurious guest rooms Located in the heart of the city’s vibrant downtown core, it’s the perfect jumping off point for travellers keen to explore Toronto’s unique and diverse cosmopolitan culture. First opened in 2011, the Ritz-Carlton Toronto is a chic and sophisticated urban sanctuary. ![]() ![]() ![]() Now add your language ( Project > Add Language). ![]() When you're done with the import, you will see the Main window of iLocalize which shows some filter presets, the localizable files, some inspector icons in the bottom-left corner, and an Edit area in the bottom-right area, where some English strings are shown, depending on which file was selected in the files list above. Click on Create and see iLocalize import everything.Ĭreating the project might take a while, esp. Usually you will just set everything as shown in the dialog snapshot below. If you are familiar with other languages than English (which should always be the untouched Base language!), you may want to check the relevant other available languages, too. ![]() ![]() Now we are ready to really create the project. (Some nibs do not contain any localizable strings so we placed them outside localizable project folders.) Just ignore them and click Next again. When you click Next, another dialog informs you about some non-localizable or read-only files. Set everything as shown in the snapshot below to your needs. Start iLocalize and select File > New Project. Create your iDEV folder in your desired place. I myself use a development folder iDEV and created a new folder iCalamus2_GUI there. Now choose a location on your hard drive where to place the localization project. Uncompress it on your desktop in order to get a functional iCalamus.app there. You need to install iLocalize 4.x which can be obtained for free from the Mac App Store.ĭownload the current version of iCalamus 2 from the official download path given by invers Software. You need to install Xcode 6.x which can be obtained for free from the Mac App Store. Or guess that a localization of iCalamus 2 exists already, but you take over the localization support for this language or are the maintainer but have to set up things new on a new Mac. Imagine that you are the one who adds a new language localization to iCalamus 2. Create a new iCalamus 2 translation project in iLocalize
![]() This little known jewel has often been rated the best escape rooms (#1 to be exact) in the Netherlands. The Laboratory in Bunschoten, the Netherlands So here are the tens best escape rooms that will keep you interested and give you a thirst for more… 1. Easily accessible and immensely engaging, it's an ideal destination for those looking to bond with colleagues, celebrate special occasions, or simply enjoy a unique outing with friends and family.There are thousands of escape rooms across the planet, but some of them are lacking in both originality and excitement. Londoners, if you've ever fancied embarking on a thrilling adventure without leaving the comforts of the city, then a trip to Eltham's Chronos One Escape Rooms is a must. These activities require students to cooperate and trust each other, forging bonds and even helping cement friendships. ![]() We even offer an exciting Escape Room school trip for teachers wanting to foster teamwork in their classes. We believe that fun shared is fun doubled so come along with your mates and let this unique adventure serve as both entertainment and personal development exercise rolled into one memorable event. As teams work through challenges, they uncover each other's strengths and weaknesses, all while fostering understanding among colleagues and making them appreciate diversity within the group even more. No one person can solve everything alone hence every teammate plays a crucial role. With varying difficulty levels across different games like The Temple of The Forbidden Idol or Nightmare on Ripper Street, we cater to all skill levels. The beauty of our escape rooms lies in their inclusivity - whether you're a seasoned puzzle pro or a clue klutz, there's something here for everyone. You'll be working together under pressure, solving puzzles and unravelling mysteries in real-time-what better way to have a great time with family and friends alike? From Puzzle Pro to Clue Klutz Here's why it makes an excellent venue not just for corporate get-togethers but also for anyone looking for a uniquely themed Escape Room birthday party.Ī visit to Chronos One is more than just an escape room experience it's a chance to build stronger bonds with your teammates. If you're on the hunt for team-building events that are a cut above the rest, then look no further than Chronos One Escape Rooms. Building Teams at Chronos One Escape Rooms The challenge lies not just in outsmarting history's most elusive criminal but also in racing against time itself- sixty minutes is all you have.Ī blend of eerie suspense mixed with intellectual stimulation Nightmare on Ripper Street stands as a testament to our ability to create immersive experiences like no other in Eltham or beyond. With him loose again, it falls upon your team-whether two or six players strong-to solve puzzles and follow clues that lead towards his capture. You're stepping back into 1888, an era when fear gripped everyone due to Jack's horrific murders. ![]() Ain't for the faint-hearted, this one - but don't let that put you off. Set in West London's hauntingly dark alleys, this escape game will push you to use every ounce of British intelligence within you. Your mission? To catch the infamous Jack the Ripper before he escapes into obscurity. Welcome to Nightmare on Ripper Street, one of the most blood-pumping games at Chronos One Escape Rooms. The streets of Victorian London are thick with fog, and a chill runs down your spine. Nightmare on Ripper Street: Can You Catch Jack? It's not just about escaping a room-it's stepping into another world and living out an adventure. Whether you're exploring the Ripper's lair or are on a mission to save a forbidden idol, Chronos One Escape Rooms offers an exciting experience to immerse yourself in a race against the clock. Not only does Chronos One help strengthen friendships and promote teamwork amongst players, but you also get drawn into an unforgettable storytelling experience. From groups seeking recreation on weekends to corporate teams looking forward to building events everyone finds something suitable here. Discovering London's Escape Room SceneĬhronos One Escape Rooms, located in Eltham, takes the Escape Room thrill to another level. ![]() Whether you're seeking corporate team-building activities in London or a unique private event venue, Chronos One offers an unforgettable experience. ![]() Dive into immersive stories, solve intricate puzzles, and immerse yourself in unique themes, all while testing your wits and teamwork. For Londoners seeking an exhilarating adventure just a stone's throw from the city's hustle and bustle, the Chronos One Escape Rooms in London, Eltham presents the perfect escape. ![]() ![]() ![]() ![]() ![]() November 3rd and 4th only at Bijou Bridal Paramus, NJ. No matter what style you choose, your ladies will look their best in a Morilee bridesmaid dress! We can help bring your bridesmaid vision to life with our limitless choices. Honolulu, HI 600 QUEEN STREET HONOLULU, HI 96813 808.380.7988 spacers UPCOMING EVENTS Justin Alexander Bridal Trunk Show - Fall Collection - Bijou Bridal Paramus, NJ See the latest collection - Fall 2023 - from Justin Alexander. You can also pick the perfect fabric for the season, opting for velvet in the winter, chiffon in the summer, and our silky and luxe satin fabrics look stunning year round! We’ve got beautiful blushes, understated neutrals, elegant jewel tones, warm tones to keep things spicy, and so many more shades to choose from. Check out our large selection of colorways to build your perfect bridesmaid palette. They feature a range of designers and accessories and can alter your dress in store. Dress Code Nine are an elegant bridal boutique based in Colchester. And check out our Maternity Bridesmaid Collection to find the perfect dress for your bridesmaids that are expecting.ĭare to be different with your bridal party by mixing and matching! Whether it’s switching up lengths, fabrics, or colors, we have a wide array of styles so that every woman in your bridal party can find something they feel beautiful in. Choose your bridal gown, bridesmaids dresses and flower girl outfits, as well as glamorous mother of the bride attire all in one place. We’ve made finding the perfect bridesmaid dresses easy! Featuring over 100 bridesmaid dresses with on-trend designs, in a variety of fabrics, and over 50 colors, you have endless options to style your squad! Our bridesmaid dresses are available in an extended size range, from 0–34, and many have stretch lining and adjustable straps for looks that fit and flatter. Lets face it, pleasing all your favourite girls and ultimately achieving your wedding vision is a tall order. ![]() ![]() ![]() ![]() ![]() Trading PlatformsįTMO supports MetaTrader and cTrader. Traders test and grow their skills in the simulated market and must meet the following trading objectives. The FTMO Challenge is a two-step learning and evaluation program for Forex and CFD traders. I listed the forex below but showing all the assets would take up too much space, so I suggest you visit their site for the full list. You can trade forex, indices, cryptos, and commodities. Analyzing performance and potential edges is a breeze. Great software – The FTMO interfaces and trading apps are lightyears ahead of the competition. Monthly payouts – Traders receive profit payouts monthly. Trader development – A dedicated 1:1 coach and trader university courses. Scaling plan – Increase your account balance limits by 25% every four months to a maximum of $400,000. ![]() You can practice trading alongside veterans without risking anything and monitor your performance in the Account MetriX app. In summary, here are FTMO’s key features:ġ4-day free trial – The 14-day free trial is a shortened version of the FTMO Challenge. With a profit split of up to 90% and over $97 million paid out to traders in over 180 countries, it’s no wonder why FTMO takes the top spot for forex traders. FeaturesįTMO empowers its traders with performance coaching, a trading academy, and the best software in the business, such as trading journals and statistical apps, to help elevate your trading. They are the best choice if you are looking to increase your returns with additional capital and trade forex or CFDs. No Tradingview and other trading platforms.Ĭan be a little more expensive compared to alternatives.įTMO came out on top as the highest-rated proprietary trading firm based on a peer review. You can reach out to them directly if you don’t see your platform of choice. Topstep supports all of the major trading platforms. Traders test and grow their skills in simulated markets, and earn funding upon achieving certain trading objectives. The Trading Combine is a two-step learning and evaluation program for futures traders. You can trade equity, forex, agricultural, energy, and interest rate futures. Great community – Connect with peers in the Topstep Discord. Variety of payment methods – Pay fees via PayPal, Visa, AmEx, and Discover with traders in over 143 countries. Multiple supported trading platforms – TradingView, Ninjatrader, TSTrader, Bookmap X-ray, CTS, daytradr, Investor RT, MotiveWave, Culticharts, Sierra Chart, Trade Navigator, Volfix, and more. Trader development – A dedicated 1:1 coach, group coaching webinars, access to prep-trade-reflect, and education courses. Generous profit split – Keep 100% of your first $5,000, and 90% of everything you make thereafter. In summary, here are Topstep’s key features:ġ4-day free trial – You can try before buying to ensure Topstep is right for you. This is why 97% of funded traders say that Topstep significantly improved their trading. With the quick payback time, a first payout bonus, and a ninety-percent profit split, there’s no secret why more than 6,000 proprietary traders call it home.īut I would argue that the mentorship and training program is even more important than the high-profit potential. They have some of the best profit splits in the industry and provide traders with a mentor and access to seasoned professionals. Portfolio managers who use global macro strategies typically focus on currency, interest rate, and stock index strategies.Topstep Trading is the all-around best option if you trade futures and are looking to access additional capital. Global macro hedge funds may position themselves around a particular outcome, or they can simply set up positions to profit from global market volatility when they do not have confidence in a prediction but know that a binary outcome is imminent. Global macro hedge funds include the discretionary, commodity trading advisor, and systemic categories.Global macro strategies are either related to currency, interest rates, or stock or equity indexes.The holdings in the funds are often positioned around a specific result of international economic or political issues, but the holdings can also be set up so the fund profits from general market volatility.Holdings might be long or short positions in different equity, fixed income, currency, commodity, or futures markets.Global macro hedge funds make investment choices based on the broad economic and political outlook for various countries. ![]() ![]() ![]() Many of our state court judges generally do not favor the dismissal of cases via summary judgment and, particularly, before any discovery has taken place. (Rule 4:46-1).īut, should a motion for summary judgment be filed as an initial pleading? What is the likelihood of success? Under our court rules, summary judgment will be granted if “the pleadings, depositions, answers to interrogatories and admissions on file, together with the affidavits, if any show that there is no genuine issue as to any material fact challenged and that the moving party is entitled to a judgment or order as a matter of law.” Rule 4:46-2(1). A defendant can file a motion for summary judgment any time, except they must be returnable at least 30 days before the scheduled trial date, unless the court orders otherwise or for good cause shown. A motion for summary judgment, however, may also be filed as a first pleading. Last, even if the defendant feels it has a strong defense, if it needs to submit any evidence to support its motion to dismiss, then it must file a motion for summary judgment. That may or may not be strategically advantageous to a defendant in the long run. Third, the plaintiff may respond by cross-moving to file an amended complaint, which does set forth additional facts to support a claim. ![]() A good example of a clear-cut motion to dismiss would be one based upon the statute of limitations. The case law is clear that “every reasonable inference will be accorded the plaintiff” in considering whether a complaint should be dismissed. The second “but” is that the state court judges will view with great liberality the facts as pled and are loathe to grant a motion to dismiss unless there are no facts that would support a cause of action against the defendant. ![]() If a motion is filed under Rule 4:6-2(e) and evidence outside the complaint is offered in support of the motion to dismiss, the court will convert the motion into a motion for summary judgment per Rule 4:6-2. The defendant may not rely upon any other documents or certifications in support of the motion. First, the motion must be entirely based upon the complaint and any documents referenced in the complaint. That means if a plaintiff fails to include enough facts in the complaint to set forth a viable cause of action, a defendant can file as an initial pleading a motion for failure to state a claim upon which relief may be granted pursuant to Rule 4:6-2(e).īut, a few considerations must be taken into account before expending the time and expense on a motion to dismiss for failure to state a claim. New Jersey is a “fact” rather than a “notice” pleading jurisdiction, which means that a plaintiff must allege facts to support his or her claim rather than merely reciting the elements of a cause of action. When a lawsuit is filed in New Jersey state court and the defendant believes that it has a strong defense against the claims asserted by the plaintiff, when is the best time to file a motion with the court asking for the lawsuit to be dismissed? Can the motion be filed immediately in lieu of an answer as the initial pleading or must it await the conclusion of discovery and be filed as a motion for summary judgment? The short answer is that it will depend upon whether the complaint states a claim based upon the facts as pled. ![]() |
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