![]() It's very easy for first time homeowners to find themselves not only with a large payment but also debt that can be overwhelming. Go slow and don't overextend yourself by buying on credit. You will be eager to make the house your home and nothing says home like the unique additions you select. Beyond that, there is also the temptation to buy new furniture, draperies, and wall hangings, especially if you move from say a 1,200 square foot apartment to a 2,400 square foot house. The home you buy, may not be move-in ready, so carpets may need to be replaced, floors refinished and walls painted. Don't Go OverboardĪlthough a discretionary expense, home decoration/improvements must be addressed here. If you live in a neighborhood with a homeowners association, monthly or quarterly fees may be required. Lawn mowers, weed whackers, hedge trimmers, etc. ![]() Lawn maintenance is another expense which may be new to you. Without an emergency fund, these types of events can put you in the red. So you need to build a rainy day fund, because odds are against you that one day the air conditioner will fail or the roof will leak or one of your major appliances will go on the blink. If anything needs repaired, you are responsible for all the parts and installation. If you are a renter, you are accustomed to charges for utilities, but if you move into a larger house, be prepared for a larger heating and cooling bill. When the equity in your house reaches 20% the PMI can be removed, so this is another reason to choose the 15 year option - where your equity builds faster. This fee is also rolled into your monthly payment. It can cost 0.5% to 1% of the entire loan. This doesn't protect you, it protects the bank in case you default. If your down payment is under 20%, the bank will require private mortgage insurance (PMI). Otherwise, you will be faced with a large bill at the end of the year. Most people roll these two charges into their monthly mortgage. The more expensive the house, the more both of these will cost. Your county wants some of your money and so does your insurance company, so be prepared for property taxes and homeowners insurance. Principal and interest are not the only expenses tied to the loan. Forcing yourself to fit the higher payment into your budget from the start is the only way to ensure paying the loan off in 15 years and saving all that interest. Life happens, and the extra money slides through your fingers for things you no longer remember. You may say that you don't want to be locked into that higher payment and that you'll simply add extra each month to reduce some of that interest? It rarely happens. Quickly Compare Your Mortgage Payment Optionsįigure your savings by comparing 15-yr vs 30-yr loans or fixed vs arms side by side. Think of what your life would be like being mortgage free after only 15 years and having an extra $77,452 in your pocket! This time the total cost of borrowing $200,000 is $266,287 saving you $77,452 in interest compared to the 30-year option. After five years you still owe $146,117 after 10 years you still owe $80,328, and at the end of the term you will have paid the bank only $66,287 in interest. ![]() Right off the bat, more of your investment is going more to principal than interest. This is a bit more than our other example, but stay with me here. This scenario provides monthly principal and interest of $1,479.38. Let's take the same $200,000 fixed loan at 4%, but this time let's select a 15-year term. So In reality that $200,000 home really costs you $343,739! The 15-Year is the Real Winner After five years you still owe $180,895 after 10 years you still owe $157.568, and after 30 you will have paid the bank $143,739 in interest. The road to building equity is slow moving. ![]() Your monthly principal and interest is $954.83, but it would take 153 payments until more money is directed to principal than interest. For example, let's assume you have a $200,000 fixed mortgage for 30 years at 4% interest and no down payment. As time progresses more is placed toward principal, but it takes years before the interest and principal are equal paid. In the beginning, a large portion of your payment goes to interest. Unless you plan to move in a few years, the 15-year is the way to go. It can't be expressed enough that you should almost always choose a 15-year fixed mortgage. Using our amortization calculator you can enter various scenarios to reveal the true cost of the place you will call home & any other type of loan. This may seem like a no-brainer, but so many people look only at the monthly cost and never consider the total cost. No one factor affects the cost of purchasing a house more than length of the loan. The Full Monthly Repayment Chart and Understanding Your Payment Allocations ![]()
0 Comments
![]() I'm regularly using something like this: % wget -O /dev/null -progress=dot:mega date This could be solved by the -j option which tells aria2c the maximum concurrent connections we want (Which by default is 5) but if the server has limited this, -j will not work. We set 8 parallel connections but the site only allowed a maximum of 5 as shown by CN:5. But if we tried to have more connections we would get something like this: The CN parameter in the next line shows how many active parallel connections were permitted to download from that site. In the image, the -x 4 is how many parallel connections we wish to use. To use aria2 we fist need to download it: sudo apt-get install aria2 ![]() The downside of wget is the lack of parallel connections. Never test only from the same site as this can be affected by your distance to it, any problem in the server and the connections to it, etc. You need to have at least 4 or 5 different testing sources to have a more accurate speed. This will help you have a more accurate check. You need to do the test at least 5 times to have a reliable speed check or at least do it for a minute or two. If your connection is 512KB and the place where you are downloading is 400KB, your max connection will be 400KB because it is the max for the server you are downloading from. The highest speed you will see is the maximum speed that your connection and the server's connection can offer. In the case of my link the speed is less than 200KB so if you have a higher speed, the server will be the bottleneck for you, not your actual speed. Of course there are several recommendations: Typing: wget would start to download the Ubu1.avi file and show at what speed it is downloading. To use it just point to a file in internet that is relatively bigger so that you can get a better estimate of it. That little tool tells me nicely what speed I have. ![]() Update in 2022: sudo apt install speedtest-cli Using pip install -user speedtest-cli gets you a version that is probably newer than the one available from your distribution's repositories. For Ubuntu 16.04 (Xenial) and later use: sudo apt install speedtest-cli Speedtest-cli is in Ubuntu repositories now. Hosted by FiberCloud, Inc (Seattle, WA) : 44.028 ms The short version is this: (no root required) curl -s | python. I created a blog post ( Measure Internet Connection Speed from the Linux Command Line) that goes into detail of downloading, installing and usage of it. I recommend the speedtest-cli tool for this. ![]() ![]() ![]() The software-protected files can't be deleted or modified without the right password. Protection: EaseUS LockMyFile offers military-grade encryption and password protection to secure your files and folders.What Else Can EaseUS LockMyFile Do for YouĪpart from the easy file shredder feature, EaseUS LockMyFile can offer you various other features, such as: Plus, you can use free and robust EaseUS LockMyFile software anytime to shred your files. Therefore, when you want to quickly and safely shred files from your Windows 10 PC, the software is the best option for you. Plus, it is not possible to permanently delete data from your computer without cleaning the Recycle Bin. Manually shredding or deleting files from your Windows 10 PC can consume lots of time and effort. So, if you are wondering, "how do I shred files in windows 10"? Then, no worries as using these two options, you can swiftly shred your files: Shred Files with Robust File Shredder on Windows 10/11 Undoubtedly, shredding files on your Windows 10 is highly important. You can build customer trust by shredding confidential documents and so on. ![]()
![]() ![]() ![]() The total count for all available audio and video file types supported is over 25. The supported files include MP4s, FLVs, MKVs, MPEG, and many more. This is an essential aspect of any video tool to ensure you can work on files without needing to use a separate converter beforehand. Videos come in many file types, and Easy Video Editor can handle a large number of available types. But if you want, it is possible to create more advanced videos and use interesting effects once you learn how. With these basic features, you can edit home movies with relative easy. The base video editing features include trim, cut, mic, join, fade, and many more. Motion effects and masking effects can easily be added to enhance videos. These videos can be created in both 2D and 3D styles. You can also use video maker to create lyric or karaoke videos with ease. One great feature is the batch processing support that allows you to edit more than one video at a time. This program has a vast selection of features, all of which are used to edit your videos. This is one of the features that makes this editor great for beginners and may hinder the usefulness of the application to a professional. With the software presenting a detailed display when working on your timeline layers, you’re able to quickly read the labels and add media without getting confused and making mistakes. Managing your video’s timeline can be a bit confusing, especially to newcomers. There are no complicated steps involved, and once completed the application works without any issues. The process required to install Easy Video Maker is lengthy. If you need to edit videos immediately, this app may not be your first choice. If you’ve just started learning, this aspect will get in your way. The interfaceĭue to the immense amount of tools and features that Easy VideoMaker presents, it should be expected that the interface is filled with too many options that clutter your screen. You will notice the app struggle on older systems when attempting to edit a batch of videos simultaneously. The application works on a 64-bit processing system and can support multi-core CPUs and hardware acceleration. These features are what causes the UI to be a mess, as the more options available, the more chaotic this menu becomes. This Windows 7 Video editor receives new features and bug fixes with each update it receives, and its current version contains over fifteen features and counting. ![]() ![]() ![]() We believe these resources would certainly come in handy for every presenter. We hope you enjoyed this collection of free infographic PowerPoint templates. standard (4:3) and widescreen (16:9) ratio options.This free infographic slide is provided by PresentationGo and can be completely customized according to your project. Female Infographic for PowerPointĪ handy infographic PowerPoint template is comparing male and female populations by certain criteria. square (1:1) and widescreen(16×9) screen ratioġ1.editable in PowerPoint, Google Slides, Keynote, and Adobe CC.20 free infographic slides on different themes.All free templates are compatible with Microsoft PowerPoint and come in ppt/pptx file format. This huge infographic bundle with 539 slide templates includes 20 FREE infographics on different themes, such as business, steps, timeline, ecology, comparison, world maps, etc. 20 Free Infographic Templates for PowerPoint text placeholders with Calibri free font ġ0.The designs come with easy-to-edit text placeholders and a free font Calibri. You have 2 options for a color layout: dark and light. These infographic slides can be downloaded in both Standard and Widescreen resolutions. Interesting designs of infographic slide templates shaped like trees. Free Pencil Infographic PowerPoint Тemplates by PresentationGo You’d probably like to learn 4 Invaluable Presentation Design Tips You Wish You Knew EarlierĦ. text placeholders with Helvetica and Calibri free fonts.These characteristics of this PowerPoint infographic slide are: The download file also includes 2 color versions: light and dark, so the slide can merge into the overall feeling of your presentation. This colorful infographic slide designed in a flat style is free to download in both standard and widescreen aspect ratios. Free Umbrella Infographics Template by PresentationGo useful business-related icons such as a piggy bank, a handshake, male/female symbols, cars, etc.The package comes for free in exchange for your email. ![]() This free resource is provided by SlideModel. The added animated effect gives this template a contemporary look and it certainly makes the design more engaging. You can freely change positions, colors, and sizes of elements, so they can fit your concept. This modern widescreen infographic template in PowerPoint includes everything you need to present data. Free Animated Business Infographics PowerPoint Template This design comes with handy elements to visualize statistics such as:Ĥ. The video also helps you understand how to work with the template and edit all its elements. Besides providing you with a free resource, the Konsus team has created a video to help you learn how to create such an infographic by yourself. Free Infographic PowerPoint Template by KonsusĪ clean and minimalistic 3D design of an infographic template in PowerPoint. Such great diversity of graphics gives you the freedom to easily visualize any data you want.ģ. ![]() The pie charts come in the form of a magnifying glass, a camera, a pentagon, and a chronometer. Bar charts can be illustrated into a laptop screen, pills, coins, batteries, and more. The package includes column charts in the shape of an hourglass, a bottle and a glass of wine, a thermometer, a pyramid, batteries, and more. This freebie by Showeet includes over 40 editable elements which you can use for creating a PowerPoint infographic. Widescreen Charts & Infographic PowerPoint Templates You can get this really generous collection by HubSpot for free in exchange for your company details. 15 Free Infographic PowerPoint Тemplates by HubSpotĪ collection of 15 pre-made infographic PowerPoint templates that can be fully customized to your taste. Let’s start!Īre you interested to check out The Best Free Infographic Templates in 2022 for Every Software, as well? 1. You can change colors, move elements, adjust sizes… or simply replace the dummy text with your data. All of these files come in.PPTX file formats, so you are all set to start editing them in PowerPoint. These two factors combined make infographic PowerPoint templates highly demanded for any business purposes, education, and more!įor today’s article, we’ve dug out 35 free infographic PowerPoint templates and slides with the best infographic design on the web, to help you with your presentations. PowerPoint, on the other hand, is still the preferred tool for presentations. ![]() Infographics are a great way to visualize your data and capture the attention of your audience. ![]() ![]() ![]() When doing so, each model in the charging unit must end its Charge move closer to one of the units selected as a target of its charge. Otherwise, the charge is successful and the models in the charging unit make a Charge move – move each model a distance in inches up to the result of the Charge roll. If any of these conditions cannot be met, the charge fails and no models in the charging unit move this phase. Without moving within Engagement Range of any enemy units that were not a target of the charge.Within Engagement Range of every unit that you selected as a target of the charge.For a Charge move to be possible, the Charge roll must be sufficient to enable the charging unit to end that move: The result is the maximum number of inches each model in that unit can be moved if a Charge move is possible. You then make a Charge roll for the charging unit by rolling 2D6. The targets of a charge do not need to be visible to the charging unit. Once you have selected an eligible unit to declare a charge, you must select one or more enemy units within 12" of it as the targets of that charge. Once such a unit is at its Starting Strength and all of its models have their starting number of wounds, nothing further happens. If all models in that unit have their starting number of wounds, but that unit is not at its Starting Strength, one destroyed model is returned to that unit with one wound remaining.If that unit contains one or more models with fewer than their starting number of wounds remaining, select one of those models that model regains one lost wound.Each time such a unit reanimates a wound: If your Army Faction is NECRONS NECRONS NECRONS NECRONS NECRONS NECRONS, at the end of your Command phase, each unit from your army with this ability that is on the battlefield activates its Reanimation Protocols and reanimates D3 wounds. Those Necrons too catastrophically damaged to reform vanish instead, teleported away to their tombs for repair. Witch lights flare back to life within dead eye-lenses and the Necron rises again, shambling back into their battle line. ![]() Sundered torsos and smashed skulls reform amidst emerald sparks. Should a Necron be slain, its body becomes wreathed in an eerie glow. The Necron dynasties benefit from the nigh-on supernatural technologies that once saw them dominate the galaxy, perhaps the most unsettling of which are their reanimation protocols. If an attack inflicts mortal wounds in addition to any normal damage, but the normal damage is subsequently saved, the target unit still suffers those mortal wounds, as described above. If, when a unit is selected to shoot or fight, one or more of its attacks can inflict mortal wounds on the target, resolve any normal damage inflicted by the attacking unit’s attacks on that target before inflicting any mortal wounds on that target. Instead, keep allocating damage to another model in the target unit until either all the damage has been allocated or the target unit is destroyed. Unlike damage inflicted by normal attacks, excess damage from mortal wounds is not lost if the damage can be allocated to another model. Do not make a Wound roll or saving throw (including invulnerable saving throws) against a mortal wound – just allocate it as you would any other attack and inflict damage to a model in the target unit as described below. Each mortal wound inflicts one point of damage on the target unit, and they are always applied one at a time. Some attacks are so powerful that no armour or force field can withstand their fury.Some attacks inflict mortal wounds. Units cannot disembark from a TRANSPORT model that either Advanced or Fell Back this turn. Such a unit also cannot declare a charge in the same turn, but can otherwise act normally in the remainder of the turn. Units that disembark from a TRANSPORT model that made a Normal move this phase count as having made a Normal move themselves they cannot move further during this phase. Such a disembarking unit cannot choose to Remain Stationary. Units that disembark from a TRANSPORT model that either Remained Stationary this phase or has not yet made a Normal, Advance or Fall Back move this phase can then act normally (make a Normal move, Advance, shoot, declare a charge, fight, etc.) in the remainder of the turn. If, for any reason, a disembarking model cannot be set up, that model’s unit cannot disembark. When a unit disembarks from a TRANSPORT model, set it up on the battlefield so that it is wholly within 3" of that TRANSPORT model and not within Engagement Range of any enemy models. If a unit from your army starts your Movement phase embarked within a TRANSPORT model, that unit can disembark in that phase. ![]() ![]() ![]() If you can not sequence any more cards on tableau, draw out 10 more cards, face-up, to each of the 10 piles in order to keep the game moving.This will reveal a new card, which can then be sequenced. If only face-down cards remain in a column as face up cards are moved, turn the last face-down card over.In the below example, you can move the 10 and 9 of Spades on top of the Jack of Spades. You can move a group of cards in a column as a single unit to another pile if they are all in descending order of the same suit.Build a sequence of cards in the piles by moving any face-up card on top of a card with the next-highest value, such as a 9 of spades moving onto a 10 of spades.Once all the cards are moved to the foundation, you win! Available Moves You can add cards to the tableau 10 at a time, with 1 card each going into each tableau column.įoundation: When cards in the tableau are arranged from Ace to King, they are then placed in one of the 8 foundation piles. Stock pile: After cards are dealt into the tableau, the remaining 50 cards go to the stock pile. Here, you will try to arrange cards by suit, from Ace to King. Tableau: These are the ten columns of 54 cards, where where the first 4 columns have 6 cards and the last 5 columns have 5 cards. The game is won when each foundation is filled with suit-stacked cards, arranged from King to Ace, and no cards remain in the tableau. Whenever you complete a sequence, you move those cards from the tableau to one of the eight foundations. Your goal is to arrange and sequence the cards in the columns along the tableau in descending order, from King to Ace. There are three difficulty levels in Spider Solitaire with 1 Suit being the easiest, 2 Suits being medium difficulty, and 4 Suits being the hardest. Spider Solitaire is a variation of classic solitaire where you have to place 104 cards into four foundations by sorting them in a tableau. ![]() For other fun games, try FreeCell Solitaire or play online Solitaire. Score based on time and total moves, and compete on our leaderboards. No download or email registration required, and play in full screen mode or on your mobile phone. In that case, online versions of Solitaire will enable you to relocate a full or partial build because you could have gotten the same result by temporarily moving the extra cards into the empty tableaus.Start playing unlimited games of Spider Solitaire for free. However, suppose there are enough empty tableau and empty cells. When possible, cards in the cells can be rearranged to the foundation piles or returned to the tableau piles.Īccording to the regulations, you can only move one card at a time.Any tableau pile’s top card can be moved to any cell.At any given time, only one card can be moved.When building tableau heaps, you can alternate the color of each pile.Playable cards include the top cards of tableau piles as well as cards from cells.As aces become available, they are relocated to the foundations.Above the tableau piles, there are four cells on the left and four foundation piles on the right. Cards are dealt into eight tableau piles.FreeCell Solitaire is an “open” solitaire meaning that all the cards are dealt face up at the start of the game. ![]() ![]() ![]() Though, the software keeps the folder structure as original and ensures data integrity. Using the Mail Migrator software, you can Migrate OST, PST, MBOX, MSG, EML, EMLX, OLM, Maildir in a batch. Windows 7 Download periodically updates pricing and software information of OLM to PST Converter full version from the publisher,īut some information may be out-of-date. The Aryson Email Migration Tool is compatible with the conversion of single or multiple email file formats. However, windows7download reserves the right to remove or refuse to post any submission for any reason. You acknowledge that you, not windows7download, are responsible for the contents of your submission. This software helps in scanning the OLM file and then generating a preview of Outlook mail items which can then be converted to other file formats like MBOX, PST, MSG, etc. The best way to convert OLM to MBOX file format is by using OLM Converter. Supports all the versions of Windows and is compatible with Microsoft Outlook Outlook 2016, 2013, 2010, 2007 for both Window and Mac.Īll OLM to PST Converter reviews, submitted ratings and written comments become the sole property of Windows 7 download. Method 2: Use Professional Solution to Convert OLM File to MBOX. ![]() A straightforward interface is provided so that user does not have any problem while using it. It is user-friendly and super easy to use too, no expertise is required to utilize it. You can export all emails from Mac OLM to HTML format without any cost. It also export emails from corrupted OLM file into Apple Mac Mail without any data loss. Export OLM to PST tool allows to save recovered OLM file into Windows Live Mail for Windows Mail users. After scanning corrupted OLM file, this tool lets the user to directly attach the newly created PST file to users Microsoft Outlook profile. Download Aryson OLM to PST Converter 18. should use the Aryson OLM to PST converter tool which helps to convert the OLM file to multiple file formats like EML, MSG, and MBOX. Smart Mailbox preview is arranged to preview all emails and attachments before actual OLM to PST conversion. An auto-search feature is also introduced in this tool to search the OLM files automatically in your computer if a user is not aware of the location of the OLM files without taking much time. This software not only converts into PST but also in EML, MSG and MBOX files. This tool can convert all OLM files with Inbox, Contacts, Calendars, Tasks, Notes etc and can effectively recover corrupted OLM files as well. It can convert OLM to PST without any loss of original data or you can say it can replicate OLM files to PST files. Aryson OLM to PST Converter is safe, fast and reliable Mac OLM to Outlook Converter software successfully export emails from Mac mail to Outlook for Windows. ![]() ![]() ![]() Similarly, cards in the tableau can be moved around to other columns where there is a card of the opposite color and an incrementally higher number.Either a 7 of Spades or Clubs from the stock pile can be placed on top of it. For example, let’s say there is an 8 of Hearts in the third column of the tableau. Stock pile cards can be placed below a card in the tableau if that card is of the opposite color and a number one rank higher.Specifically, the first column has 1 card, the second column has 2 cards and so on until the seventh column, which has 7 cards. The tableau is the group of cards with the seven columns, with the last card of each column turned facing up, and with each column having an additional card. Cards from the stock pile can also be placed in the tableau.If your second card is a 2 of Spades from the stock pile, you can then place that on top of the Ace of Spades in the foundation. For example, if you happen to have an Ace of Spades as the first card turned over from your stockpile, you can place that card on the foundation pile for Spades. Cards can be moved directly to the foundation if they are in the correct order.These cards can either go into the foundation or the tableau, the area where the cards are laid out in a staircase fashion below the stockpile. Each card is removed from the stockpile one at a time, or three at a time, depending on if you are playing Turn 1 or Turn 3. On the top left, you’ll see a stack of cards.You move cards into the foundation by dispensing cards from the stock pile and sequencing all cards in the tableau. ![]() Each pile represents a different suit and should be filled in order, starting with the Ace all the way to the King. These are the four empty areas at the top of the game. To win, you want to place all the cards in the four foundation piles. When you hear the game Solitaire, in general it refers to Klondike Solitaire. Klondike Solitaire refers to the classic version of solitaire. Use hints and undos, and customize your game experience. ![]() ![]() I am the source from which the gods and great seers come. Neither celestial gods nor the great sages know of My origin. ![]() Desiring your welfare because you are My beloved friend, I shall reveal them to you. The Lord said: Listen again to My divine teachings, O mighty armed one. Since God is the source of all the splendor and glory, we must make Him the object of our devotion. Shree Krishna finally says that the magnitude of His glory cannot be described in words, as within a fraction of His being, He upholds infinite universes. The rest of the chapter describes the personalities, objects, and activities that best display His magnificence. Whatever catches our imagination and infuses us with bliss is nothing but a tiny spark of His opulence. He is the powerhouse of magnificence and the infinite reservoir of knowledge, power, beauty, and glory. All beings and things get their splendor from Him. He is the beginning, middle, and end of all. Shree Krishna then discloses that everything that exists is a manifestation of His energies. He then bestows upon them His divine knowledge, through which they can attain God-realization.Īrjun is now fully convinced that Shree Krishna is the Supreme Divine Personality and requests Him to describe further His divine glories, which are like divine nectar. God dwells in the hearts of such devotees whose mind is always united in Him. They derive immense satisfaction by conversing about His glories and also help enlightening others about them. Those devotees who know this engage in His devotion with great faith. The various exceptional qualities in humans also arise from Him. All the people of this world then descended from them. It is from His mind, the seven great sages, the four great saints, and the fourteen Manus were born. Lord Krishna reveals that He is the source of all that exists. He helps Arjun to meditate on God by reflecting upon His magnificence. The verses are not only pleasing to read but also enchanting to hear. ![]() In this chapter, Shree Krishna desires to increase Arjun’s bhakti by describing His infinite glories and opulence. The previous chapter revealed the science of bhakti or loving devotion of God. ![]() |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |