![]() ![]() What are the Advantages of an Early Mortgage Payoff? You can mimic this technique using an additional monthly payment by adding 1/12th of what you currently pay. At the end of each year, you will have made an additional month’s worth of contributions to your mortgage. ![]() Bi-weekly payments: You can also make mortgage payments every other week by asking if your lender can receive bi-weekly payments or by signing up for a third-party service (make sure to check for hidden fees).Lump-sum payments may include a prepayment penalty, so you should check with your lender for any associated fees with this method. This can help you save more on interest than if you paid the same amount as accelerated payments. Lump-sum payment: Instead of adding to your monthly payments, you may want to pay one large lump-sum towards your principal balance.This process is called accelerated amortization and is one of the easiest ways to pay off your mortgage early. Essentially, you are “buying” more of your house each month, and since you owe less on your mortgage, you will pay less interest. By adding even a small amount to your monthly payment and applying it to your principal balance, 100% of that addition is converted into equity in your home. Otherwise, the lender may apply the payments to future interest payments and you will not save on the interest cost from your principal balance. When making additional payments, make sure to specify to your lender that the payments should be applied to your loan principal. You can use a mortgage amortization calculator to see how this changes over time. Your interest expense for each month is fixed, so the rest of your payment is used to pay off the principal balance. Not only are you paying back the principal amount of your mortgage, but you are also paying off the interest expense of your mortgage for that month. Over the lifetime of your mortgage, each monthly payment consists of 2 portions. Make sure to check with your mortgage lender before trying to make prepayments as there may be penalties attached. By using the graph, you can compare the values of the mortgage with different payments at any point in time.ĭepending on your mortgage contract, there may be some limitations when making additional monthly payments on your mortgage. The Early Mortgage Payoff graph compares your old and new amortization schedule to show the impact of your additional payments. ![]()
0 Comments
![]() the mod kills motion blur, and shadow flickering. We also have cheat engine where our talented Modder JD creates the table for the game, unlimited stamina health or unbreakable DayBreak Walls or use the teleport. This mod increase the draw distance for vegetation, grass, objects, houses etc, givin the game a great visuals, stops the incredible poping the in game.The changes made in this file are the maximum amount you can achieve without the engine runs lower than 60 fps. Definitions Systemic inflammatory response. If you have a Death Wish you can try Feral or Jug mode turning all zeds in game to Feral or Jugs, make trunks hold 60 slots or so, we have the Pathogenesis to make blood plaque as deadly as it should be and Overhaul which ramps the difficulty way up and brings blood freaks from Heartland into the Base game and much much more. state including higher than normal cardiac output, which means only increase. You can make yourself fireproof change weapons with mods like the Kryptonian Weapons Pack, Melee weapons that never break. Now, your characters can truly sneak-skill their distant foes with a ranged weapon, which makes no noise on use. ![]() If you manually installed this mod, browse to your Paks folder as per the installation steps and remove the. WARNING: THIS MOD IS INCOMPATIBLE WITH YOSE VERSION OF THE GAMEThis mod adds two real Crossbows (ranged weapon) to the State of Decay and its DLCs (Breakdown and Lifeline). Vortex users simply disable and/or remove the mod as per normal. pak file into your Paks folder as per step 1. We also have file mods that allows you change the game play and world itself. Step 2) Download the latest version of Improved Searching and extract the archive contents somewhere. The Community Editor by Heilos changed the game of modding with his all in one tool, Change your Community's name, resources, character names, voices, choose your looks (use Sasquatch, lily, Twain, Cash Beaumont) make an OP character, Bring survivors back from the dead or exile, unlock Radio-Calls, all Outfits, Unlock Daybreak rewards, reveal all map, and create mod and duplicate Near unbreakable 999 reloadable weapons with Max Stats and so much more Storage - Shelving (because it raises all storage +2) These are the facilities I use mods on the most. ![]() We have maintained a great relationship with the Team at Undead labs by the standard of Ethical Modding we practice and many of our Modders are also on the Undead Discord as Heros and we are the only Modding group linked in their server Here's what I use, let me know if you guys know of better ones: Infirmary - Stabilizing Foam. ![]() We are now approaching 30,000 members and we offer 24 hour support for all mods. We have been Modding State of Decay 2 since it released in 2018 and all of our Mods are free to Download on our Discord. ![]() ![]() To avoid that, you can upgrade to the pro version, which will give you full access to all the features you want and will not leave any watermark on your files. But after editing, there will be a watermark on your document if you use the free version. Additionally, you can quickly add the footer and header to the PDF file, as well as the page numbers of your PDF.Īpart from the features mentioned previously, this software will assist you in converting, managing, and securing your PDF documents without facing any difficulty. As each of those apps has its unique features, you can choose from them in accordance with your request.Īn All-in-One PDF Editor Without Watermark for WindowsĮaseUS PDF Editor software can do everything you need to do with PDF. In aspects of editing your PDF documents, it enables you to delete, insert, extract, reorder, and crop a PDF as you wish. Keep reading this post, and you will get a list of the top 7 PDF editor no watermark on Windows, Mac, and online. Is there any free PDF editor without watermark? The answer is yes. However, you might be annoyed with the watermark left on your PDF after editing it. ![]() If you want to edit a PDF file, a powerful PDF editor is indispensable. PDF is a widely-used document format all around the world as files in this format are easy to create, edit, as well as share with others. After the official renaming, our article content will be updated accordingly. Microsoft Office is being renamed by Microsoft 365. Click on 'Annotate', then choose the style and select text on page to apply.Ĭlick the 'Apply changes' button to apply the changes and then 'Download' your edited PDF document. Update: Recently, Microsoft is making a change to its Microsoft Office branding. Use the PDF annotator to strikethrough and highlight text on PDF pages. Enter the new field's name and, optionally, the default value. Change border or background fill color.Įasily find and replace all occurrences of words in a PDF.Ĭlick on 'Forms' in the top menu and select the type of form input you want to add: Text, Multiline Text, Dropdown, Checkbox, Radio choices.Ĭlick on the desired form field type and place it on the page. Easily edit existing hyperlinks in the PDF.Ĭover part of the PDF page with a white rectangle so the contents is no longer visible.Ĭlick the 'Shape' tool to add rectangular or ellipsis shapes to a PDF page. Add links to PDF and edit existing hyperlinksĪdd new links to web URLs or pages in the document.Form contains no input fields? Select the 'Text' tool to type text and the 'Forms' tool for checkmarks and radio bullets. You can drag with your mouse to move it, drag on the corners to resize it.Ĭlick any form field in the PDF and start typing. Select an image from your computer and then add it to the PDF page. Make text bold or italic, change font size, font family and text color.Ĭlick the 'Images' menu and select 'New Image'. Click any existing text to start editing. Select the 'Text' tool in the top toolbar. Click anywhere on the PDF page to add text. You can pick PDF files from Dropbox or Google Drive too.Įxpand the 'Upload' dropdown and select your files. Same features as the online service, and the files never leave your computer.Ĭlick 'Upload' and select files from your local computer.ĭragging and dropping files to the page also works. ![]() Rather not upload your files and work with them offline? ![]() After processing, they are permanently deleted. Annotate PDFįiles are safely uploaded over an encrypted connection. Please upgrade to continue processing this document.įree users are limited to 50 pages per conversion.įree users are limited to 5 files per Rename task.Įdit & Sign PDF files online for free. Please upgrade to continue processing up to 100 links at once.įree users are limited to 10 pages per OCR task. Please upgrade to continue processing multiple files at once.įree users are limited to 20 pages per conversion.įree users are limited to 20 links per task. You reached your free limit of 5MB per image file.įree users are limited to a single file per task. You reached your free limit of 50 MB per file. Please upgrade to continue processing this task or break for 00:59:00. You reached your free limit of 3 tasks per hour. Please upgrade to continue processing this task. You reached your free limit of 30 files per hour. ![]() ![]() ![]() Hot Seat- everyone gets to ask the person that pulled the tile any question they want. Thief in the Night- steal anyone’s drink for a sip… or more Google it- share your most recent google searchĭemocracy- elect someone to drink (how long is up to you) and the rest of the group has to vote if they agree or not I’d recommend writing them all out before you start just so you don’t lose track. If you run out of ideas, crowdsourcing from friends or taking a peek at Pinterest is a good way to go. There are 54 total in each box, so get those creative juices flowing. A simple adaptation of the skill game with wooden blocks. Next, brainstorm some ideas for each tile. I’d also pick up some fine point wood paint pens, but regular pilot pens work too- just be careful about getting the tiles wet because they’ll bleed, which can be a bit tough considering this is a drinking game and spillage kind of comes with the territory. The game is over when the tower falls like a waterfall. You can usually get a blank set for around $10, but I’ve noticed that Amazon frequently puts them on sale for cheaper, so keep an eye out. Some of the best classic rules are make a rule, take a shot, and give a drink for a drink, among others. Rewind: Player must place Jenga piece BACK into tower. Embryo: Youngest Player in the group must drink. Nose Goes: Last one to touch their nose must drink. You could, for example, reward the successful removal of a. It's as simple as a quick trip over to good ol’ Amazon, Target or Walmart to get started making your own Drunk Jenga. Big Cheese: Set timer for 15 seconds, Player names as many types of cheese as they can. Has more than one block fallen down Oh no Its shot time You can also make up your own rules. ![]() Here's how to make your own drunk jenga drinking game that is sure to wow them before their judgment becomes, shall we say… impaired. Looking for a new way to flex on your friend and fellow party-goers alike? Well, look no further. We hope these Drunk Jenga ideas have inspired you to create your own game! As always, be safe and keep an eye on your friends.By adding your email you agree to get updates about Spoon University Healthier Lefties (All left-handed people drink.).Venmo $1 Left (Drawer Venmos $1 to the person on their left.).Neighbors (Both people on either side of the drawer drink.).Left/Right (Person to the left or right of the drawer drinks.).Commander Commando (Whoever isn’t wearing underwear drinks.Arm wrestle (Drawer picks someone to arm wrestle.Make a toast (Drawer must make a grandiose toast!).Group selfie (Drawer takes the selfie.).Make a rule (Drawer gets to make a rule that lasts the rest of the game.Touch the wall (Last person to touch a wall drinks).All blondes (or brunettes or redheads or any other colored hair) drink.If they’ve never broken one, they drink.) Broken bone story (Drawer shares a story about a time they broke a bone.If they succeed… they need another drink!) ![]()
![]() ![]() C:\Program Files (x86)\Steam\steamapps\common\Half-Life\valve. The textures are in halflife.wad in the valve folder, I would think they will need to be converted for source. I remember finding them to do some mapping with a mod. Da trifft es sich gut, dass der Modder johnyonghwang1 eine neue Version seines ursprünglich 2017 veröffentlichten HD-Texturen-Pakets für Half-Life 2 veröffentlicht hat. I've already tried verifying the files, redownloading the game, redownloading the mods, messing with some configurations - nothing changed. It should say half-life texture file next to them. ![]() In order for the Hammer Editor to make maps for Half-Life, it needs access to certain files and. If you don't already have Half-Life 1's editor, click here to download. This guide will teach you how to disable texture filtering for Half-Life, and will also work with all other GoldSrc engine games/mods like Blue Shift, Counter-Strike, etc. Disabling texture filtering will unblur all textures giving your game a sharp, clean, pixelated look should you desire. I might aswell sue valve for the psychological damage they done to me by placing the sign upside down. Texture filtering blurs sprites and the textures. I am uninstalling this game, giving a negative review and uninstalling steam. Here is a picture of the problem as it appears in-game: Half-Life maps are designed using Hammer Editors 3.3 through 3.5, and are powered by the GoldSource Engine, the predecessor to the current Hammer 4.X series, AKA the Source SDK. I was playing Half-Life 2 Episode 2 and i noticed that the sign is placed upside down. I'm also pretty sure I used to play all these mods not that long ago (about few months ago) and they worked just fine. Which is weird considering it didn't fail to load the first time. Naturally, I checked console for errors and there was a whole bunch of them, all saying "texture lump "blabla" not found". But as soon as I'm in-game and reload a save, proceed to the next map or just load a map via console, some textures just fail to load and appear only as missing textures (purple checkerboard). And what kind of bug is it? Well, when I start a new game or load a save it's fine. So far I've only encountered it in three of them - Issues, Poke646: Vendetta and Half-Life: Visitors. Uploaded here since this cannot be easily found online. This is the official HD Model pack from Gearbox/Valve extracted directly from the Blue Shift installation disk. Find their other files official content official patch 1 Screenshot. There's a texture bug happening in some mods. texture pack Half-Life Official HD Model Pack (Retail Only) Followers 1. In the original game and a few mods it looks and works as it should.Īnd now the major problem. In 99% of mods the keyboard tab in options is completely empty. There are two things I can't figure out though.įirst, the minor problem. I've played almost every singleplayer mod and also work with game files a lot. ![]() ![]() The fact that the model quality has definitely improved only helps make it that much more enjoyable to experience.Ībove is another remastered model of Haku. There’s a definite improvement in the curves on this one too. I’m not sure who she is, but I definitely dig the piratey-style outfit and the beach. If you do not agree, click on the “I Disagree” button below and exit the Website. I acknowledge that the Website’s Terms-of-Service Agreement governs my use of the Website, and I have reviewed and agreed to be bound by those terms.By logging on and viewing any part of the Website, I will not hold the Website’s owners or its employees responsible for any materials located on the Website.I understand and will abide by the standards and laws of my community.I will leave this Website promptly if I am in any way offended by the sexual nature of any material.I do not find images of nude adults, adults engaged in sexual acts, or other sexual material to be offensive or objectionable.I am voluntarily choosing to access this Website because I want to view, read, or hear the various available materials.I will not allow any person under 18-years old to have access to any of the materials contained within this Website.I am an adult, at least 18-years old, and the age of consent in my jurisdiction, and I have the right to access and possess adult material in my community. ![]() By clicking “I Agree” below, you state that the following statements are accurate: Visiting this Website if you are under 18-years old and the age of consent might be prohibited by the law of your jurisdiction. The materials that are available on this Website include graphic visual depictions and descriptions of nudity and sexual activity and must not be accessed by anyone who is under 18-years old and the age of consent. This Website is for use solely by individuals at least 18-years old (or the age of consent in the jurisdiction from which you are accessing the Website). ![]() ![]() ![]() She then must battle foes and solve mysteries to ascend on a deadly pilgrimage to this kingdom's peak. Hornet is captured by outsider bugs and brought to their kingdom, Pharloom, but she escapes her cage before arriving at their destination. She wields a Needle and thread with deadly prowess. Hornet is the mysterious princess-protector of Hallownest’s ruins, a major character in Hollow Knight and the playable protagonist of Hollow Knight: Silksong. Once a keen knowledge of the map's layout is attained, this Charm is no longer worthwhile. It is recommended to switch to something more combat-oriented when preparing for a boss battle. This Charm is useful for exploration and is good during a first playthrough. Beating him grants the Rivalry achievement. He is quite inept in combat and regularly messes up his jumps. He simply has to be attacked until the fight is over. As a boss, he deals no damage due to his nail being made of shellwood. He then becomes the final boss of the first trial. If saved, he once again complains about the Knight meddling in his supposed heroics.If the Knight saves him both times, he is captured and can be found in the resting area of the Colosseum of Fools, where he brags about his skills and how his capture was part of his plan. Once again the Knight has the choice to either save him or leave him, though this time leaving him does not result in his death. He has forgotten the Knight and introduces himself again.įound stuck in spider webs, presumably having been captured by the beasts of Deepnest. Zote can be found in a corridor leading back to the storerooms of the City of Tears. If he is saved in Greenpath, Zote shows up in Dirtmouth, where he once again talks to the Knight in an arrogant fashion. Hitting his shell here grants the Neglect achievement. If he is not saved before acquiring the Mantis Claw, he dies in this location, with his nail and shell remaining. If saved, he complains that the Knight got in the way between him and his "prey", he introduces himself and boasts about his supposed mighty deeds. He is held in the mandibles of a Vengefly King, and the Knight has the choice to either save him or leave him. He regards the Knight as beneath him and accuses them of constantly getting in his way.įound along the path leading to Greenpath. While he claims to be the strongest warrior in the land, he is found trapped by weak enemies or claiming the glory of another bug's deeds. Unfortunately, because it is made of shellwood, it cannot deal damage. He named his nail "Life Ender" because names supposedly have power. This is ultimately revealed to be a promise of glory for himself. Zote is a traveller from outside Hallownest who came to the Kingdom to fulfill a promise. ![]() ![]() ![]() A negative amount tells you that you have to make a few adjustments in terms of the money you spend.Īfter your computations, it’s time to make some changes. ![]() The result immediately tells you if you’re earning enough to cover your monthly expenses. Subtract this total to your take-home pay each month. You will get a number that accurately tells you how much you’re spending. One way to keep track of your cash outflow is by keeping every receipt of your expenses then just adding them up. Most of us today underestimate our power of spending and this is a dangerous habit when it comes to keeping your finances organized. If you never have made use of a budget before, you may have an idea of how much you’re spending every month. Here are some tips to consider when creating household budget template: With this family budget template, you get a good grasp of your finances and your limitations. To make the most of your budget, it’s you should know all about your finances and come up with a household budget template. In many households, the management of the family budget seems like a daunting task, regardless of whether you live alone or you’re a homeowner with children. Household budget template 20 (114.50 KB) How do you create a household budget? With a budget, you can maximize the use of your resources to make life easier for you and your family in the long run. With an accurate budget, you can discern what you can afford to spend on and what you cannot. These required expenditures may include rent or mortgage payments, food, tuition, and so on. If you have a list of your income against all the expenditures you have each month, you can get an overview of your cash flow and from this, you can make better financial decisions. Use a family budget worksheet as an instrument to have a more accurate and effective understanding of your money habits. ![]() Through the years, the term “budget” has gotten a negative connotation to mean limiting expenses or pinching pennies – but that’s not all there is. Household budget template 10 (34.50 KB) What is a household budget?Ī household budget template is an itemized list of your family’s expected expenses and income to help you plan how to use or save your money, and to keep track of your habits. ![]() ![]() ![]() Assess the tools the team is using (e.g.Create clear goals for the rest of the quarter and present to the team for alignment.Set the team up sharing weekly written updates to increase accountability.Ensure the team is meeting weekly with a clear agenda and action items.Consider these items for implementation in your 30 60 90 day plan template: You spent time learning and likely have a page of notes on what works and doesn’t work for the team. It’s now time to begin implementing some changes. Ensure that the team continues to work towards their current goalsĪfter the first 30 days, you should be getting pretty comfortable with understanding the company, product and team.Identify the current team goals and confirm they are still valid.Talk to customers to learn about the product.Assist customer support reps to learn about the product.Join demos or sales calls to learn about the product.Meet with the senior management team if possible.Meet with each member of the team and understand their strengths vs weaknesses.Some specific items you should include in your 30 60 90 day plan: This means asking tons of questions, meeting with each employee or major stakeholder, getting first hand experience with the product and overall increasing your exposure to the operations of the organization. On your first day and over the following month, the name of the game is “discovery.” Your goal is to learn as much as possible about the team and company. This will take some extra effort on the nights and weekends, but will demonstrate that you are serious about your new management role. In your plan, note that you’ll spend time researching before officially joining the team. List of each staff member that will be reporting to you.List of competitors to do basic research on.Any documentation about the company and product.Prior to starting a new role, you may ask for: If you want to stand out and demonstrate dedication to you boss, include this bonus section, “Before Starting.” Leaders want anyone new, especially managers, to be able to hit the ground running the day they start. If you’re a new manager and are being tasked with making a 30 60 90 day plan, here is a template and guidelines to help: Before Starting ![]() This is simply an outline of how they would onboard and become productive in the first 30, 60 and 90 days. Anytime I hire new managers, I ask them to prepare a 30 60 90 day plan. As a new manager, you are likely overwhelmed with responsibilities, from understanding the group dynamics of your team to identifying the important short term goals you need to achieve. ![]() ![]() Laptop users should be aware that laptops usually have less efficient cooling compared to desktop computers, which might result in slightly higher temperatures. While RAM temperature is generally not a concern, maintaining proper airflow in your case is always a good practice. Memory cooling largely relies on the case’s overall cooling, and the chances of overheating are relatively low. Memory, or RAM, typically doesn’t reach temperatures close to 100☌ unless your computer’s cooling system is severely inadequate. If the temperature exceeds 70☌, consider installing additional case fans to improve airflow and maintain a healthier operating environment for your hard drive. Prolonged periods of continuous read/write operations can increase the temperature. Hard drives, which store your data, usually maintain a lower temperature within the computer case, ranging from 30-60☌. Unfortunately, many graphics card fans are not user-replaceable, so regular cleaning or increasing fan speed might be the best course of action to maintain optimal cooling. ![]() ![]() Only take action if the temperature consistently exceeds these values. However, during heavy-duty tasks, the temperature can climb to around 100☌, which is still within an acceptable range. In regular use, your graphics card should operate within the range of 50-70☌ or lower. Graphics cards are often the hottest components inside a computer case, especially when running resource-intensive tasks like 3D gaming or high-definition video rendering. Some modern CPUs feature self-protection mechanisms and will automatically reduce performance to prevent overheating, but it’s best to avoid reaching this point. Check the thermal paste between the CPU and the fan if it’s not effective, consider replacing the CPU fan or cleaning it of dust. If it surpasses 75-80☌, it’s time to take action. To ensure smooth performance, the CPU temperature should ideally be maintained between 45-65☌ or lower under normal conditions. The Central Processing Unit (CPU) is the brain of your computer, and it can generate a substantial amount of heat during operation. Let’s take a closer look at the recommended operating temperatures for some of the main hardware components: ① CPU Temperature ![]() When it comes to computer hardware, maintaining the right temperature is crucial to ensure optimal performance and prevent potential damage. ![]() |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |