HOA: home owner's association dues are common in condos & other shared-property communities. Historically flood insurance has been heavily subsidized by the United States federal government, however in the recent home price recovery some low lying areas in Florida have not recovered as quickly as the rest of the market due in part to dramatically increasing flood insurance premiums. Typically earthquakes & floods are excluded due to the geographic concentration of damage which would often bankrupt local insurance providers. Homeowners insurance: most homeowner policies cover things like loss of use, personal property within the home, dwelling & structural damage & liability. FHA & VA loans have different down payment & loan insurance requirements which are reflected in their monthly payments. Some home buyers take out a second mortgage to use as part of their downpayment on the first loan to help bypass PMI requirements. PMI is only required on conventional mortgages if they have a Loan-to-value (LTV) above 80%. PMI: Property mortgage insurance policies insure the lender gets paid if the borrower does not repay the loan. If property tax is set above 20 the calculator presumes the amount entered is the annual assessment amount. If property tax is 20 or below the calculator treats it as an annual assessment percentage based on the home's price. Real estate portals like Zillow, Trulia,, Redfin, & Movoto list current & historical property tax payments on many properties. One can't simply look at the old property tax payment on a home to determine what they will be on a forward basis, as the assessed value of the home & the effective rate may change over time. Those who rent ultimately pay this expense as part of their rent as it is reflected in their rental price. Property Tax: this is the local rate home owners are charged to pay for various municipal expenses. Extra payments applied directly to the principal early in the loan term can save many years off the life of the loan. If a home buyer opts for a 30-year loan, most of their early payments will go toward interest on the loan. The 30-year fixed-rate loan is the most common term in the United States, but as the economy has went through more frequent booms & busts this century it can make sense to purchase a smaller home with a 15-year mortgage. Loan Term: the number of years the loan is scheduled to be paid over. For your convenience we also publish current local mortgage rates. This calculator can help home buyers figure out if it makes sense to buy points to lower their rate of interest. If the buyer believes interest rates will fall or plans on moving in a few years then points are a less compelling option. In general discount points are a better value if the borrower intends to live in the home for an extended period of time & they expect interest rates to rise. In some cases a borrower may want to pay points to lower the effective interest rate. Interest Rate: this is the quoted APR a bank charges the borrower. If the loan amount is above 80% of the appraisal then PMI is required until the loan is paid off enough to where the Loan-to-value (LTV) is below 80%. Loan Amount: the amount a borrower is borrowing against the home. This is used in part to determine if property mortgage insurance (PMI) is needed. Based on the current loan parameters, your loan would be paid off in April 2054.Home Value: the appraised value of a home. For each of your 360 payments, the amortization schedule shows a breakdown of how much principal is applied to your loan and then the corresponding remaining balance. The amortization schedule below is a table showing how much of your monthly payment is applied to principal and interest each month.
0 Comments
Show Printable Version Email this Page Subscribe to this Thread Search Thread. If you’re not completely satisfied, simply call Customer Service to return P90X2 within 90 days for a refund of the purchase price. Complete P90X 12 Discs & Guides (Up For Download) Results 1 to 15 of 15 Thread: Complete P90X 12 Discs & Guides (Up For Download) Thread Tools. We’re so sure you’ll love this program, we’re giving you our 90-day money-back guarantee. Get 2 FREE workouts when you order from your Coach or Team Beachbody ® : P90X ONE on ONE ® 4 Legs and P90X ONE on ONE ® Upper Body Balance.You’ll have access to Tony Horton and our panel of Beachbody ® experts as well as peer support from other people doing P90X2. Set P90X2 workout goals each day, and schedule your recovery week when you need it. Here’s what you get with the complete P90X2 system:ġ2 breakthrough, muscle-challenging workout DVDs Uses instability to force your pushing muscles to function better than ever. X2 Chest + Shoulders + Triceps (bonus advanced workout).Work your back and biceps with movements done from an athletic stance. Chest & Back (54 min. It goes over the benefits of the P90X nutrition plan, the 3 workout schedules, and the workouts. Upgrade your concept of what an ab workout should be with a series of demanding core movements. How to Bring It (13 min.) This isn’t a full workout. Regain your youth with Post-Activation Potentiation training for your upper body. Give your lower body a cutting-edge workout with four-round complexes that boost performance. Give your two largest muscle groups a super workover with a pull-up and plyo extravaganza. Keep your shoulders and arms strong and in balance to help minimize your risk of injury. Achieve superior strength gains over those achieved through traditional weight training by working on unstable platforms. Push your limits through strength and explosive movements while improving alignment. Increase your isometric power and range of motion, and build stabilizer muscle strength. Push your body to use the correct muscles and proper form to handle resistance and instability challenges. Realign your body with a foam-rolling technique and complete stretching routine. Explosive movements combined with mind and coordination drills for super speed/endurance. Master this routine for overall improved movement. † FREE lifetime disc replacement is included with Blu-ray pre-orders.ġ4 breakthrough, muscle-challenging workouts – Now you can get everything that’s included in the P90X2 base kit, PLUS 2 exclusive P90X2 advanced workouts to add even more variety, and key recommended equipment like Tony Horton’s PowerStands ®. P90X2™ Ultimate Pre-Order – Free Shipping Domestic travel is any trip that is within the 48 contiguous United States, Alaska, and Hawaii.If such fees are over $50 (one-way), approval must be documented and retained on file within the department. Note: Seat assignment fees for coach or economy class upgrades needed to fulfill an approved accommodation require only verbal department approval, if the additional cost is $50 or less (one-way). Coach class accommodations on an authorized/approved foreign air carrier do not provide adequate sanitation or health standards. Upgraded ticket is for foreign travel with inadequate security/sanitation/health facilities.A continuous scheduled flight is longer than 14 hours. Upgraded ticket is for extended foreign travel.Upgraded ticket produces overall cost savings by avoiding additional lodging/other expenses, or by avoiding loss in business productivity time while awaiting coach class accommodations or due to restrictions of coach class accommodations.Upgraded ticket is same price or less than the available coach class ticket. The following exceptions must be approved and documented within the department prior to ticket issuance. Campus ADA office web links: Boulder, Denver / Anschutz Medical Campus, Colorado Springs, System. Each campus ADA office will provide the employee and the employee’s supervisor with notice of approval (or denial) of an accommodation. Medical documentation may be requested if needed. The ADA office will assess the request to determine if an accommodation is appropriate. If the disability is a lifelong condition, then a one-time certification statement is allowed. If an upgraded ticket is required based on a medical disability, contact your campus ADA office prior to booking your airfare. Medical disability must be certified annually in a written statement by a competent medical authority. In addition, the department must email a copy of the approved accommodation to the PSC ( Accommodation is required for a disability/special need. The following exception must be approved prior to ticket issuance. Upgrades (including extended leg-room upgrades) and Business/First Class travel are considered an exception and are allowable, with justification, for the reasons listed below. It is the expectation that travelers/arrangers will book coach or economy class, unless an allowable exception exists and has been documented with the department.
How to use Topaz Sharpen AI – Sharpen AI Tutorial You can watch a great, short video by Topaz here that explains what Sharpen AI is and what the main tools of this software are. You can use the standalone version or the Sharpen AI plugin for Photoshop or Lightroom. I tried to fix my blurred photos with many different editing tools, as you can see in this Deblur software comparison, and Topaz Sharpen AI is, without a doubt, the best blur reduction software on the market. While traditional methods detect and brighten edges, which creates halos, fringing, and an unnatural look, Sharpen AI can deblur images without increasing digital artifacts. The main difference between Topaz Sharpen AI and other sharpening tools is the continuously updated AI technology that targets three different types of blur: motion, focus, and softness. This well-known company implements the latest artificial intelligence technology to fix post-processing issues like digital noise or blurriness. Topaz Sharpen AI is an excellent sharpening tool and an effective shake reduction software created by Topaz Labs. Using Sharpen AI as a plugin for Photoshop.Using Sharpen AI as a plugin for Lightroom.How to use Sharpen AI? Sharpen AI Tutorial.Ready to learn all the pros and cons of using Topaz Sharpen AI? In this Topaz Sharpen AI tutorial, you’ll see a step-by-step guide so you can get the best results from this software on its latest version 4.0.2 (released in March 2022). In my opinion, it is by far the best software to fix out-of-focus images. My experience after using Sharpen AI for many years has been superb and today, it is a must in my post-processing workflow. However, the new update is not as intuitive due to the different AI Models, so it requires some knowledge and experimenting to understand how it works. It is a simple piece of software that achieves stunning results from fixing and recovering out-of-focus images. Topaz Sharpen AI is a powerful tool that sharpens and enhances the original details of your photographs by using the most advanced AI technology. In this 2022 Topaz Sharpen AI review, I will show you how to fix your blurred photos quickly and effectively with this sharpening software from Topaz Labs. According to research from experts at the Virginia Tech Transportation Institute, these hard-braking moments - incidents along a route that cause a driver to sharply decelerate - can be a leading indicator of car crash likelihood. As you approach a busy intersection, the traffic slows suddenly and you have to slam on your brakes. You can post as many photos as you want and find photo updates that others have left in the Updates tab.Imagine you’re driving to meet a friend. To add your own update, tap the “upload a photo update” button, select your photos, leave a short description and post. Simply go to the “Updates” tab when you’re looking at a place in Google Maps to see the latest photos that merchants and other people have shared. A Google Maps photo update is a recent snapshot of a place with a short text description, without the need to leave a review or rating. In the coming weeks, we’ll roll out a new content type in Google Maps: photo updates - an easy way to find and share experiences and highlights with recent photos. At other times, you might just want to share a helpful tip on Google Maps without having to leave a rating or review. But sometimes you need a little more information, like if a restaurant’s outdoor dining area is shaded on hot days or how crowded a parking lot for a popular hiking trail can get on the weekends. Seeing is believing and photos are a great way to learn more about a place. Share your latest experiences with photo updates on Maps We’ll use feedback on the Local Love challenge to guide future campaigns in more countries. Each contribution will count toward a collective goal of updating 100,000 businesses. Simply jump into the Contribute tab in Google Maps to join the “Local Love challenge” and add ratings, reviews and confirm information to support local businesses you’ve visited, from your go-to bakery to the neighborhood hardware store. can join our first nationwide challenge to rally helpful reviews, photos and updates from sea to shining sea. We want to amplify that same local love with a feature we are now piloting.įor the next month, most people using Android in the U.S. We see people showing love and support for local businesses in Google Search and Maps by leaving photos, writing reviews or updating factual information like a store’s new hours. Leave reviews and updates as part of a community challenge Today, we’re introducing three new Google Maps features that will help make sharing and finding local recommendations and information easier. This community of contributors who help others by updating Google Maps has reached a new milestone: 150 million Local Guides around the world. And at the heart of the fresh information you see on Google Maps are Local Guides. These community-led updates help people everywhere make better decisions about what to do and where to go. To make sure your map reflects the real world, we make it easy for anyone with a Google account to contribute their local knowledge about more than 200 million places in Google Maps. With all the change our world saw over the past year, people are relying more than ever on high-quality, updated information about the places around them - like if a nearby restaurant is open or if a local grocery store has updated hours. If you'd like to find out how to make a bank wire transfer, take a look at our step-by-step guide here. The maximum threshold is only $1,000! If you enrol with Bank of America's SafePass security scheme, then you'll be able to raise this limit significantly, however. not a business), you will face a very tight limit on how much money you can send abroad daily with Bank of America. Remember that, as an ordinary consumer (i.e.
Open the link > Select your gmail account, It should open in your Google Drive App How to download the Expense Tracker on Android + Add to Homescreen Version 2.2 has a monthly AND weekly overview AND all the built in categories Version 2.1 has a monthly AND weekly overview with limited categories Version 2.0 has a monthly overview ONLY with limited categories ( Tutorial on how I built it) Great for freelancers and those with multiple streams of income Has 2 forms, one for Expenses and one for Income Version 1.1 has a monthly AND weekly overviewĮxpense + Income Tracker Version 2.0 (Watch the Tiktok Video) Simpler version, with only one form for expenses and income Set your budget, and if you go over your month will go redĬalculates your gross savings based on your monthly income and expensesĮxpense Tracker Version 1.0 (Watch the Tiktok Video) Simple expense form that can be installed on your phone’s homescreen for easy access and input Track your expenses with customisable rainbow categories My Expense Tracker Youtube tutorials have totalled over 100k views. It has over 3 million views and the feedback has been immensely positive. I designed it for myself originally, and in 2020 made a video about it… which went viral. It uses Google Sheets combined with Google Forms, and is an accessible and readable tracker that anyone can use. So, download this Spend Analysis Template to gain insights into your financial landscape, aiding in the strategic planning and efficient management of resources and expenditures to achieve fiscal stability and success.The Expense Tracker is easiest way to keep track of your spending - simple, customisable, no app required. This Excel file is printable and ready to be used in presentations and reports. It is highly important to have accurate information to see the overview of the analysis for your business. Actual:įinally, you can input the actual amount you spend or paid for a specific expense category. Whether assessing profit margins, determining your breakeven point, or scrutinizing the allocation of funds to various expenditures, this product provides a systematic approach to analyzing and optimizing your financial planning and spend. You can categorize capital expenditure (CapEx) and operational expenditure (OpEx) in Expense Type area, for precise differentiation and analysis of your direct and indirect costs incurred yearly. Once you put your company expenses and the category for each of them, you will be able to input monthly assumptions of the items. Estimated:įirstly, in the Estimated section, you may record the cost that your business may probably achieve beforehand. Also, you may use auto-filters to analyze different expense categories and types. Your expense breakdown will be narrowed down according to your analysis month selection on the filter. In addition, the expense analysis dashboard view provides you breakdown section. Also, you may write down your currency according to your needs. It also lets the user pull a specific expense category and see the sub details for it:Īfter you define the start month year and the month, the following months will be automatically sorted until it completes a year period. Also, selecting the category and month from the lists narrows your analysis. Once you put your monthly estimated and actual expenses to the other sections, you may carry on the Dashboard and see the Monthly Actual / Estimated Ratios by category so you can compare between Estimated and Actual expenses. With an intuitive tracker and calculator functionality, it simplifies the process of monitoring procurement activities and evaluating cost variance, serving as a dependable assistant in managing your bills and financial commitments.īasically, this tool consists of 3 main sections:Įxpense analysis dashboard of this Excel sheet displays your expense reporting with category and month filters. In the intricate world of finance where every penny counts, our template acts as a vigilant guard, helping you navigate through your expenses and investments with accuracy and confidence. This Spend Analysis Template in Excel is an invaluable financial tool and expense report tailored to offer clarity on your expenditure patterns, providing a comprehensive view of investment allocation and distribution within your operations. This proficient worksheet aids in tracking and calculating various costs, including fees, tax, depreciation, overhead costs, and bad debt expense, supporting your budgeting and cost accounting processes. Here’s our Expense Analysis Excel Template for you to record monthly target and actual costs and make comparisons to see the target realization percentages. We could have our autorun event do all four of the character creation steps, but let’s instead have it only do the class and skill and have our other events control our players’ appearance and name. Besides our main autorun event, we need four events that will show the appearance options later in the event. Starting out, we’ll need our character creation map. To keep things simple in this example, let’s limit our class choices to two (Swordsman and Sorcerer), give only two skill options for each class, and have four appearances to choose from. Instead of just choosing a preset character, let’s have our players pick four different things to make the character their own: Now that we understand the basics of making a character choice event, we can make one that’s a bit more detailed. This is a great way to give our players some character options, but what if we want to give them more control to build their own character? Building a Character Our labels need to match exactly, so it’s a good idea to write out the label’s name and then copy-paste that into our jump to label. Labels give us a way to jump to certain parts of an event without having to restart the whole thing, so we can add in a yes/no choice where ‘yes’ will set up our main character and ‘no’ will use the jump to label command to hop back to the starting choice. To give our players the ability to say no and pick another option, we’ll be using labels. I think I have the right file locations, but I dont want to mess anything up If anyone could point me in the right direction to a guide or something, Id appreciate it I have a few things, but I mostly want to install generator parts. Adding details is as simple as having another message where we share more about the character, including their class. I purchased DLC for RPG Maker MV, but I cant figure out how to install the DLC to my program. The two main things we want to add are more details about the character when our players choose that option, and a way for our players to say no to their choice. Another big problem is that we didn’t tell our players anything about these characters besides their name! A lot of players like to check out their options before making a decision, so let’s re-work this event to be a bit more player-friendly. First thing is that we didn’t change the show choices cancel option to ‘Disallow’, which means that if our players hit cancel instead of selecting an option they’ll end up as Priscilla. There are some issues with this event though. Multiple aspects of executive function are assessed using an alternation task adapted from the trail-making B task (1 point), a phonemic fluency task (1 point), and a two-item verbal abstraction task (2 points).Visuospatial abilities are assessed using a clock-drawing task (3 points) and a three-dimensional cube copy (1 point).The short-term memory recall task (5 points) involves two learning trials of five nouns and delayed recall after approximately five minutes.The MoCA assesses several cognitive domains: Successive results show a deterioration of pattern processing ability in a subject as they progress from mild cognitive impairment (MCI) to severe Alzheimer's disease (AD). In this clock drawing task, the subject is asked to draw a clock with the hours and showing the time 2:30. The test is available in 46 languages and dialects (as of 2017). The test and administration instructions are available for clinicians online. The MoCA is a one-page 30-point test administered in approximately 10 minutes. The basics of this test include short-term memory, executive function, attention, focus, and more. The original English version is performed in seven steps, which may change in some countries dependent on education and culture. This test consists of 30 points and takes 10 minutes for the individual to complete. It was validated in the setting of mild cognitive impairment (MCI), and has subsequently been adopted in numerous other clinical settings. It was created in 1996 by Ziad Nasreddine in Montreal, Quebec. The Montreal Cognitive Assessment ( MoCA) is a widely used screening assessment for detecting cognitive impairment. Faa o download desta Linkedin cone Branco PNG, cones Linkedin, cones Brancos, Linkedin Logomarca Imagem PNG e vector de graa.In the Montreal test, the participant is requested to draw a clock.Įvaluation of cognitive deficit and Alzheimer's disease Sign up to receive exclusive communications about offerings, events and news, We have 8 free Ecolab logo png, transparent logos, vector logos, logo templates and icons. Pngtree tem milhes de png gratuitos, vetores e recursos grficos psd para designers. If you would like to be unsubscribed from marketing e-communications*, from Garrett Surveys, special offers, and related topics via telephone, email, and other forms ofĮlectronic communication (e.g., communications through social media platforms), You can download in PNG, SVG, AI, EPS, CDR formats. *Marketing communications refers to communications about offerings, news and events, surveys, special offers, and related topics via telephone, email, and other forms of electronic communication (e.g., communications through social media platforms). Download a reference guide to the LinkedIn accent and extended palette with RGB and HEX color information.PDF Download. If you are a current customer, you will not be unsubscribed from transactional and other non-marketing communications, such as communications containing important information related to a product or service you have purchased. linkedin logo png Filters Clear all Sort by. If you would like to unsubscribe from all marketing communications from Garrett Motion Inc. WhatsApp Computer Icons Logo, whatsapp, green and white Whats up logo, grass, desktop Wallpaper, logo Whatsapp png 1000x1024px 66.45KB WhatsApp logo, WhatsApp Computer Icons, whatsapp, logo, mobile Phones, viber png 1880x1200px 82. Vectors Photos AI images New Icons Videos PSD. Use this filter to customize your preferences for AI-generated images. Select to view only AI-generated images or exclude them from your search results. Los orígenes del logotipo de LinkedIn LinkedIn es una identidad visual anclada que contribuye en gran medida a su notoriedad. And its affiliates and subsidiaries, click here. Good idea to charge the phone in advance.Īfter about 20 attempts, the progress bar on the phone finally started moving, and it all went through. On the other hand, the two failures closest to completion, around 85%, were due to low battery, the phone having discharged even while connected by a lightning cable to the Macbook. Most failed without warning or stated reason, simply returning the phone to the Apple Logo boot loop. It took about 20 tries, taking about of 10 minutes each, failing anywhere between 10% and 85%. It is the "Trying again and again" of the very same steps that proved successful. mix and match IOS versions and update software. In my case none of the steps below were necessary: Basically: Attempt the update process several dozen times if needed, and don't give up just yet, until it sticks the landing! That's when I found this thread, from which I retained the most useful info. These updates failed at various completion states, from 30% to 70%, during the "checking phone integrity phase", while the progress bar was displayed on the phone, stuck on zero.Īfter 5 or 6 failed attempts, I was ready to give up. I attempted several updates, with the phone in Recovery Mode. I'm grateful that this one works natively on Mac and only downloads the 6GB update file once. So I looked for good enough alternative update software available on Mac, and settled on Tenorshare ReiBoot 8.1.12, which I bought in order to unlock the update function. Each failed attempt meant wasted gigabytes on top of the lost time and hope. I couldn't get my phone to stay in the Recovery mode long enough for Finder to download the 6GB of the 15.5 IOS update. I first tried to go through the iTunes Update process (now actually Finder Update process, I guess). somethingĪnd my M1 Macbook (with no bootcamp or parallels.), MacOS Monterey 12.3 Then followed 48h of frenzied googling, and going through highs and lows, just as others have experienced. It never reached the lock screen.īeing in a foreign country without a working phone, the one used for 2FA authentication of various services including messaging and credit cards for online payments, can be unsettling. How wrong I was! The phone went into a long Apple Logo boot phase, that would alternate between bright and dim screen, and restart every few minutes. I thought a reboot of the phone would be a proper first step that would do a bit of automated clean-up. I received a "Storage Full" warning, with a couple apps not launching anymore. I can't comment whether any other solution would have been faster.Īfter 6 weeks of traveling to remote locations without fast, unlimited and reliable internet access for iCloud backup, while I documented my trip with photos and 4k videos, I guess my phone filled up. TL DR: I could do it on a Mac without PC emulation, I did it using ReiBoot (I guess other similar software could work), I did not succeed using iTunes/Finder. I'll share the specifics of my experience, in case it helps anyone facing the same restrictions. Thanks to all of you for your help, which gave me the will to carry on and solve my very similar issue. |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |