Finance calculator home6/21/2023 Initial rates for ARMs are typically lower than those for their conventional counterparts. 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. 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. How a mortgage calculator can helpĪs you set your housing budget, determining your monthly house payment is crucial - it will probably be your largest recurring expense. It's always a good idea to rate-shop with several lenders to ensure you're getting the best deal available. Using our Mortgage Calculator can take the work out of it for you and help you decide whether you're putting enough money down or if you can or should adjust your loan term. This formula can help you crunch the numbers to see how much house you can afford. For example, a 30-year fixed mortgage would have 360 payments (30x12=360). Number of payments over the loan’s lifetime Multiply the number of years in your loan term by 12 (the number of months in a year) to get the number of payments for your loan. Your monthly interest rate Lenders provide you an annual rate so you’ll need to divide that figure by 12 (the number of months in a year) to get the monthly rate. Want to figure out how much your monthly mortgage payment will be? For the mathematically inclined, here's a formula to help you calculate mortgage payments manually: Equation for mortgage payments 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.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.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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Best pdf to csv converter6/21/2023 Whether it’s converting a PDF to a CSV or transforming another type of document, the tools you need are easy to find and use. You can easily increase efficiency in your home or at the office. Acrobat can be accessed whenever you need and wherever you are. Up your PDF game.Īdobe Acrobat has all the tools you need to adjust your document however you need, all in one place. There are some disadvantages to using the native Preview tool, including not being able to batch convert PDF to CSV, not being able to convert scanned PDFs to CSVs, and the risk that some formatting will be lost. Paste the content you copied to a CSV or Excel file, and save it as a CSV later on your computer.Choose the tables or parts you want and Control-click to select the copy.If you are using a Mac, there is a free solution for converting PDFs to CSVs using the native Preview app. Open the Excel file in the MS Excel app and go to File > Save as.
Logitech g hub download resources6/21/2023 # We initialize a few things that are needed by this script - there are no other requirements. # You need to have downloaded the Chocolatey package as well. Download Chocolatey Package and Put on Internal Repository # # repositories and types from one server installation. # are repository servers and will give you the ability to manage multiple # Chocolatey Software recommends Nexus, Artifactory Pro, or ProGet as they # generally really quick to set up and there are quite a few options. # You'll need an internal/private cloud repository you can use. Internal/Private Cloud Repository Set Up # # Here are the requirements necessary to ensure this is successful. Your use of the packages on this site means you understand they are not supported or guaranteed in any way. With any edition of Chocolatey (including the free open source edition), you can host your own packages and cache or internalize existing community packages. Packages offered here are subject to distribution rights, which means they may need to reach out further to the internet to the official locations to download files at runtime.įortunately, distribution rights do not apply for internal use. If you are an organization using Chocolatey, we want your experience to be fully reliable.ĭue to the nature of this publicly offered repository, reliability cannot be guaranteed. Human moderators who give final review and sign off.Security, consistency, and quality checking.ModerationĮvery version of each package undergoes a rigorous moderation process before it goes live that typically includes: Welcome to the Chocolatey Community Package Repository! The packages found in this section of the site are provided, maintained, and moderated by the community. Basking in the ambience6/21/2023 I never want to be pigeonholed into one thing – that’s so boring to me. “I think it shows different sides of me and my music, and what I can do. You think you’re gonna get a nice little indie song and then things take a darker, more distorted route. “It sort of revealed itself as I started writing it, but what I love about it is how it’s unexpected. “I’m not sure I had an exact vision,” he says, diving deeper into the record itself. Life has been insane for us all over the past few years now, and I think everyone’s had so much to think about and reflect on. “It’s me trying to figure out the world and make sense of it as much as I can, whilst also driving myself crazy in the process. ”I like to look at records as an exploration of the current stage in my life,” Fraser tells Atwood Magazine. In so seamlessly weaving these themes into his songs, this EP comes to truly feel like a snapshot of modern life. As Fraser comes into his own version of young adulthood, he explores topics as wide-ranging as gentrification, industrialization, climate change, and disinformation, with his own dealings with anxiety, insecurity, relationships, and self-love. It comes as no surprise that 2030 Revolution is Fraser’s most socially conscious and critical effort yet – even if it does come only two years after his debut. The older we get, the more we feel the world crashing down on us – and the more we feel the impact of those hot-button issues that so easily consume casual conversation. “Fraser’s debut is an experimental commentary on the anxieties of the modern world, whilst yearning for the simpler days of his childhood,” Joshua Evans wrote for London-based publication Vingt Sept in late 2020, ahead of The Storm’s EP release. Unbridled energy, charged lyricism, and raw emotion have come to be his friends over two EPs (2020’s The Storm and 2021’s The World Isn’t Big When You Know How It Works) – and through it all, Fraser has balanced his own personal experiences with observations of the greater world at large. Actively releasing music for the past two years now, 20-year-old Scottish artist Dylan Fraser has found his voice in achingly vulnerable, nuanced self-reflections and sonics that are at once irresistibly catchy and relentlessly churning. Released Augvia Asylum Records UK, 2030 Revolution is a visceral alt-pop reeling through the trials of our time, perceived through the lens of an artist in the throes of his own journey of growth and self-discovery. My dear, we’re not gonna make it out of it It’s past the point of any kind of resolution You can pack your bags and try to run, but you cannot stop what’s come undone – “ 2030 Revolution,” Dylan Fraser 2030 Revolution – Dylan Fraser (? © Ho Hai Tran) Locked inside some big frustration game And none of us are well enough to quit, to play Face-to-face just isn’t quit the same But both of us have plugged ourselves straight into the maze And I wish that we could take just what we need But instead, we like to bite the hand that feeds But I wish that we could see it from a different, sane advice We don’t care unless there is a fire I guess we’re all in for a 2030 revolution Well, there’s no point in getting upset, Balancing a sense of helplessness with guarded optimism and hope, Fraser’s 2030 Revolution is an urgent and unapologetic four-track coming-of-age reckoning with our modern age. Channelling the chaos and turmoil of recent years, Fraser lends an electric energy to his escapist-laden existential crisis, inviting listeners to join together over our collective misery, uncertainty, trepidation, and cynicism as we stare down the barrel of the 2020s. “ G onna see if it’s good to get lost in the woods gonna hope they don’t make a human out of me,” Dylan Fraser sings in “Apartment Complex on the Eastside,” the feverish opening track off his recently released third EP. Simmons, James Cromwell, James Franco, Jen Oda, Jennifer Sparks, Jennifer Weston, Jessi Collins, Jim Coope, Jimmy Star, Joe Bays, Joe Manganiello, Joe Virzi, John Crann, John Paxton, Joseph O'Brien, Julie Jei, Kathryn Bryding, Keith Fausnaught, Keith Woulard, Kevin Fung, Kirsten Dunst, Kristin Somo, La Rivers, Laura McDavid, Liam Stone, Linda Lee, Logan Fry, Lucy Gordon, Luis Rosa, Mageina Tovah, Marc C. Weich, Grant Curtis, Gregg Daniel, Hal Fishman, Irina Costa, J.K. Rogers, Bill Nunn, Brenna Roth, Bria Roberts, Brian Hopson, Brianna Leann Florian, Brigid Turner, Brittany Krall, Bruce Campbell, Bryce Dallas Howard, Carolyn Neff, Christina Cindrich, Christopher Jude, Christopher Stadulis, Christopher Young, Chuck Gerena, Claude Jay, Claudia Katz Minnick, Cliff Robertson, Crystal Marie Denha, Daniel Gillies, Daniel Mignault, Daniel Shafer, David Backus, Dawn Marie Anderson, Dean Edwards, Derrick 'Phoenix' Thomas, Dylan Baker, Edward Padilla, Elizabeth Banks, Elya Baskin, Emilio Rivera, Emily Eckes, Eric Shackelford, Evelyn Vaccaro, Frank Anello, Fredrick Weiss, Graig F. Blake, Andrew James Jones, Angelis Alexandris, Anjelia Pelay, Anne Gartlan, Anya Avaeva, April Parker-Jones, Arick Salmea, Arne Starr, Becky Ann Baker, Bernadette Lords, Bill E. Adelman, Abbey Skinner, Aija Terauda, Aimee Miles, Alyssa Lakota, Amanda Florian, Amy V. Genre: Action, Adventure, Marvel, Sci-Fi & FantasyĪctors: A.J. Baker, Tim Maculan, Timothy Patrick Quill, Tobey Maguire, Toni Wynne, Tony Besson, Tony Galtieri, Topher Grace, Trenton Willey, Vanessa Reseland, Vanessa Ross, Willem Dafoe deserves the highest praise! Ward, Sonya Maddox, Stan Lee, Steve Valentine, Sujeilee Candele, Tajna Tanovic, Tanya Bond, Ted Raimi, Theresa Russell, Thomas Haden Church, Tia Latrell, Tiffany Ashley Florian, Tiffany L. Ramos, Rosemary Harris, Sandrine Marlier, Shade Rupe, Shaun Patrick Flynn, Silq Webster, Sincerely A. Cancassi, Marc Vann, Margaret Laney, Mark Kubr, Martha Millan, Michael Alexander, Michael Ciesla, Michael McLaughlin, Michael Papajohn, Michele-Nanette Miller, Natalie Fabry, Natalie Jones, Natalie McNeil, Nick Poltoranin, Nick Vlassopoulos, Paul Edney, Paul Terrell Clayton, Perla Haney-Jardine, Pierangeli Llinas, Ramon Adams, Ray Wineteer, Reynaldo Gallegos, Robert Curtis Brown, Robert Myers, Rogelio T. You have to hand it to Sam Raimi for putting together a great cast. One of the best movies of 2007, combining all the experience of the film industry of the past years. When it comes to movies of the genre Action, Adventure, this film immediately comes to mind. If you don`t know what to do in the next 139 minutes, devote that time to watching SpiderMan 3 and you won`t be disappointed. SpiderMan 3 - one of the most watched movies of the 2007. While Spider-Man’s superpowers are altered by an alien organism, his alter ego, Peter Parker, deals with nemesis Eddie Brock and also gets caught up in a love triangle. The seemingly invincible Spider-Man goes up against an all-new crop of villains-including the shape-shifting Sandman. Textexpander coupon code6/21/2023 I type: “tsu aspring bwb,” and this is what I get: Say, for example, a new reader emails me asking for some articles to help them out as an aspiring writer. When I type “bwb,” I get “Best wishes, Ben.” When I type “lkfwd,” I get “I look forward to hearing from you” on my screen. Since configuring the software for this TextExpander review, I don’t have to type the strings of text I use repeatedly. TextExpander is a software application that automatically expands preset snippets of text when you type a short abbreviation. Typing that same information over and over again is time-consuming and tedious. I also say “Best Wishes, Ben” at least 100 times each day on emails and comments, and reply to many many reader emails, helping people find (often the same) content on my websites. Responses to journalists typically include a short personal profile, for example. In the course of running HomeWorkingClub, there are LOTS of things I have to type more than once per day. If you’re applying for jobs, for example, you might repeatedly say things like “You’ll find details of my past work here” or “I look forward to hearing from you.” Regardless of what you do with your computer, you probably find you often type the same things over and over. If you spend any length of time sitting behind a computer keyboard, this TextExpander review could introduce something that sits firmly in that “indispensable” category. Sometimes in life you discover certain things and quickly wonder how you ever managed without them. All of our reviews and recommendations are completely impartial but some posts may include affiliate links that can earn us a commission. Overlord fanfiction6/21/2023 How to direct Demiurge's sadism towards more useful pursuits. Synopsis: Because removing evil is not the same as creating good.Comments: The fanfiction works well in establishing the new rules and lore of the other side of Yggdrasil and presented itself as a sort of spinoff anime akin to To Aru Kagaku no Railgun.She later finds herself caught up in the most bizarre situation. On the last day of Yggdrasil one of the key members of the Angel-Type Guild Seraphim stays behind to clean up after an in-game party. Synopsis: Apart from Momonga there were many others who were in Yggdrasil on the last day.Comments: These stories do an excellent job of capturing the humor of the series, the reactions of the people of the world, and the simultaneously wacky yet horrifying psychology of the Nazarick guardians and servants.A collection of stories concerning the rise of the city of E-Rantel under the rule of Ainz Ooal Gown and assorted NPC hi-jinks. Set after volume 10 of the light novels.(Yes the author name and story title are the same.) The Reluctant Overlord by The Reluctant Overlord. Even the perspectives of the other Supreme Beings are no less intriguing. The characterization is interesting and believable, showing how Ainz could have been if he had a friend at his side from the beginning. Even in the first chapters, events start to change and the repercussions are shown and handled well. Now it's Ainz Ooal Gown's mission to find them all. They don't all show up in a single place together, but scattered in space and time. Comments: An AU "what if the other Supreme Beings were dragged in YGGDRASIL as well?".Momonga's heartfelt wish is granted, but all things come at a price. Forty-One Supreme Beings would be called forth to surpass them all. Eight Greed Kings were set free to destroy everything those before them had built. Synopsis: Six Gods descended upon the world and brought salvation to humanity.Status: Dead last updated January 2016.General Fic Regaining What is Lost by Weisser Ritter Uriah heep songs6/20/2023 “We’re speaking with our manager right now, because the release date for the album is the 27th of January. What are the touring plans in support of the album? ‘Save Me Tonight’ is a reflection of what we’ve lived through the last couple of years.” “That was written by our bass player, Dave Rimmer, and Jeff Scott Soto. What was the inspiration behind the track ‘Save Me Tonight’? So, it’s no surprise, and hopefully, there will be more to follow – because that’s what we do.” I’m surprised the band is still here and we’re still doing it, but we’re on the road now – I’m talking to you from Scandinavia, and we’re celebrating our 50th anniversary tour. Is it hard to believe that Chaos & Colour is the band’s 25th studio album overall? Let’s keep all that great music they left behind on this mother earth, and give everyone access to it – all the new kids and all the great music they left to inspire other people’.” Then I thought to myself, ‘Let’s keep flying the flag. It was almost like being battered left and right – to try and come through this all. And just after that we lost Ken Hensley – who died very quickly – and then John Lawton. It was terrible because we lost Lee, but Lee had a five-year battle with cancer, so it was a long battle – we knew he was ill all the time. It’s a terrible time, because I’m actually the ‘last man standing,’ which is a great thing to say and an awful thing to say in the same breath. But losing him was a terrible thing, because not only were we musicians in the same band, we were like brothers. He only had one bass drum, and now everybody has double bass drums or double pedals – and he was doing it all with just one foot. He was just a powerhouse – up there with John Bonham. Apart from us, he did fantastic stuff for Ozzy that people love. “Remembered as one of the great rock drummers in that genre. How did Lee Kerslake’s passing in 2020 affect you, and how would you like him to be remembered? I think you have to have faith in what you’re doing, because it’s one thing playing a song and it’s another thing in really communicating and delivering that song – in a way that communicates with the audience.” “Challenging? None of them! I’ve been playing them for years and the new stuff is a natural progression – I wouldn’t say they were challenging at all. Which Uriah Heep tunes are the most challenging to play? And the lyrical content we’ve had with the fantasy lyrics sort of captured everyone’s imagination – with Demons and Wizards and The Magician’s Birthday – some people jumped on that bandwagon and took it further. With our vocals, we treat harmony almost as another instrument. “Songs like ‘Gypsy’ for instance on our first album, people are saying to me – it’s not anything I say - 'That inspired that whole genre of metal.' Because it’s very, very heavy. And on the previous album, Living the Dream, we had ‘Rocks in the Road.’ Quite lengthy songs…it’s something we’ve always done.”ĭo you agree that Uriah Heep helped trailblaze ‘prog metal’? ‘Save Me Tonight’ is very snappy, but if you listen to ‘One Nation, One Sun,’ ‘Freedom to Be Free’ is another progressive song on the new album. And we tend to keep longer songs on every album – so that the album has got a real ‘journey’ to it. Salisbury has a 20-minute song with a 24-piece brass and woodwind section. If you go back to the first album, ‘Wake Up (Set Your Sights)’ is very proggy. “I think we’ve always dipped out toe in that water, most definitely. Battery buddy issac6/20/2023 Telekinesis: Doubles the duration of the effect, with 6 sec.Tear Detonator: Multiplies detonated tears, resulting in 6x more tears than normal.However, it can still be used to telefrag enemies.Stitches: Swaps places with Isaac twice in quick succession, rendering Stitches useless for collecting pickups & items beyond pits, rocks etc.Spindown Dice: Lowers ID by 2, good for some items, bad for others.Spider Butt: Deals 10 damage to enemies twice but does not increase slow effect.The Scooper: Will summon 2 peepers in a bifurcated direction.This has been changed to have have no effects.Moving Box: Activation swaps the contents of the box with the contents of the room.This has been changed to spawn two Movable TNT barrels instead, which you can detonate at will.Mine Crafter: Spawns a Movable TNT and instantly detonates it, damaging Isaac.Moreover, active item effects chosen by Metronome are only activated once.Metronome: Metronome is activated twice at once as expected, but the item chosen for the first activation is shown raised above Isaac's head, instead of the second one that actually remains active.Mega Mush: Makes the effect twice as long.The Hourglass: Doubles the length of the effect.Doesn't double the brimstone beams' duration. Head of Krampus: Doubles the damage the brimstone beams deal (for a total of 880 damage/ 380 damage per use).Everything Jar: Instead of doubling its effect, Everything Jar will spawn a poop alongside its normal drop.Eternal D6: Re-rolls twice like The D6 (see above), but the 30% chance of the item disappearing is increased to 51%.Dull Razor: The invulnerability time is not increased, but damage-triggered items will activate twice if applicable.The second activation die is determined by the seed and never changes. The second activation die cannot be predicted. Dead Sea Scrolls: Activates 2 random effects.D7: Doubles the amount of enemies summoned, but does not give double rewards.D12: Roughly doubles the rare chance of obstacles being turned into Reward Plates, Red Buttons, and very rarely Crawl Spaces, as the D12 can create these but cannot re-roll them.The D6 depletes item pools at double the speed. The D6/ D8/ D12/ D20: Re-rolls twice instantly without any benefits.In addition, you need to actively be holding a transformation's respective items to retain them now, so using the double re-roll to gain multiple transformations is no longer possible. As items are returned back into the item pool when re-rolled, the item pools aren't exhausted at all.D4/ D100: Instantly re-rolls Isaac's items twice, which doubles the speed at which the item pools are exhausted and transformations are achieved.Dark Arts: Doubles the duration, giving more time to walk through more enemies, if you end the effect before the end of the first second, the item will reactivate itself allowing to target the same enemies twice.Two activations in a row is mostly detrimental, removing two items and possibly cycling through a character that lowers health. Clicker: If the Car Battery is removed by the first activation, a second activation will not happen.Book of Shadows/ The Gamekid/ My Little Unicorn/ Unicorn Stump: Doubles the length of invincibility, but no effect on damage where applicable.Book of Secrets: Activates twice, but has a chance to uselessly activate the same effect twice.Book of Virtues: Doubles the spawned wisps on activation.Berserk!: Will only increase rage duration if no enemies are killed in the first half, effectively only affecting bosses that can't spawn enemies.The Bean/ Mega Bean/ Kidney Bean: Deals double damage, but charms/poisons/petrifies for the same amount of time.Wooden Nickel: 25% chance to spawn nothing, 50% chance to spawn one coin, and 25% chance to spawn two coins.Absorbing passives will not give extra stat ups. Void: Doubles effects of all absorbed activated items.Sulfur: Will count as giving double Brimstone, giving extra damage and a x1.2 damage multiplier for the current room.The 25% chance to duplicate all items while consuming the originals now generates 2 pennies instead.Crooked Penny: Splits the 50% chance to succeed into a 25% chance to quadruple all items and a 25% chance to duplicate all items while consuming the originals the latter will make Devil deal and Shop items free.Isaac's Tears: The damage of tears shot from the active item is doubled.Broken Shovel: Prevents the Mom's Foot from appearing for two rooms (empty or not), or for two waves of a Challenge Room or the Boss Rush, essentially removing the stomping attacks for the entire duration of the Boss Rush.
Faceboof home made food6/20/2023 You need a licence to export food if you would like to receive an export certificate, or another export permission such as being on an export eligibility list, from the CFIA. For the purpose of this document, "customs broker" refers to a person who facilitates the clearance of a food shipment through customs. " Customs broker": This term is not used in the SFCA or SFCR. This person holds the licence to import and is responsible for meeting all applicable import requirements. Under the SFCR, a person who imports is the person identified by industry as performing the activity of importing. manufacture, process, treat, preserve, grade, package or label food that will be sold and consumed within your province or territory.3.2 Intraprovincial trade No licence required However you are responsible to make sure that the food you trade across provincial borders has been manufactured, processed, treated, preserved, graded, packaged or labelled by a licence holder.įor example, you do not need a licence if your sole activity is to distribute food from one province to another. You do not need a licence if your sole activity is to interprovincially trade food. Trade of food 3.1 Interprovincial trade No licence required
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