![]() Principal: This is the amount you borrowed from the lender.Your lender also might collect an extra amount every month to put into escrow, money that the lender (or servicer) then typically pays directly to the local property tax collector and to your insurance carrier. The principal is the amount you borrowed, while the interest is the sum you pay the lender for borrowing it. The major part of your mortgage payment is the principal and the interest. Typical costs included in a mortgage payment You can edit these amounts or even ignore them as you're shopping for a loan - those costs might be rolled into your escrow payment, but they don't affect your principal and interest as you explore your options. Bankrate's calculator also estimates property taxes, homeowners insurance and homeowners association fees. ![]() Your rate will vary depending on whether you’re buying or refinancing.Īs you enter these figures, a new amount for principal and interest will appear to the right. Our calculator defaults to the current average rate, but you can adjust the percentage. Next, you'll see “Length of loan.” Choose the term - usually 30 years, but maybe 20, 15 or 10 - and our calculator adjusts the repayment schedule.įinally, in the "Interest rate" box, enter the rate you expect to pay. You can enter either a dollar amount or the percentage of the purchase price you're putting down. A down payment is the cash you pay upfront for a home, and home equity is the value of the home, minus what you owe. ![]() In the "Down payment" section, type in the amount of your down payment (if you're buying) or the amount of equity you have (if you're refinancing). The calculus behind mortgage payments is complicated, but Bankrate's Mortgage Calculator makes this math problem quick and easy.įirst, next to the space labeled "Home price," enter the price (if you're buying) or the current value of your home (if you're refinancing). ![]()
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![]() And with its intelligent pump control, SCALA2 automatically adjusts performance to both inlet pressure and water consumption in the home. It packs pump, motor, tank, sensor, drive and non-return valve into one compact unit. SCALA2 is a fully integrated water booster pump providing perfect water pressure in all taps at all times – even with multiple taps and showers running at the same time. Perfect water pressure – finally compact and easy to install Once the purchase is confirmed, our sales agent will contact you to arrange the time and date for inspection & installation The final price for installation is subject to a site inspection by our specialist. Basic installation cost (RM500) is charged if you choose Installation Options. Installation is only applicable to Klang Valley buyers.
![]() ![]() Mercury from soils can accumulate in mushrooms.Īcidic surface waters can contain significant amounts of mercury. Chromosomal damage is known to cause mongolism. Negative reproductive effects, such as sperm damage, birth defects and miscarriagesĭamaged brain functions can cause degradation of learning abilities, personality changes, tremors, vision changes, deafness, muscle incoordination and memory loss. Allergic reactions, resulting in skin rashes, tiredness and headaches Mercury has a number of effects on humans, that can all of them be simplified into the following main effects: This can cause harmful effects, such as nerve, brain and kidney damage, lung irritation, eye irritation, skin rashes, vomiting and diarrhoea. However, when a thermometer will break a significantly high exposure to mercury through breathing will occur for a short period of time while it vaporizes. The mercury in these devices is trapped and usually does not cause any health problems. ![]() Metallic mercury is used in a variety of household products, such as barometers, thermometers and fluorescent light bulbs. Mercury is not commonly found in plant products, but it can enter human bodies through vegetables and other crops, when sprays that contain mercury are applied in agriculture. Cattle breeding products can also contain eminent quantities of mercury. Mercury concentrations in fish usually greatly exceed the concentrations in the water they live in. Mercury is not naturally found in foodstuffs, but it may turn up in food as it can be spread within food chains by smaller organisms that are consumed by humans, for instance through fish. All mercury that is released in the environment will eventually end up in soils or surface waters. Some forms of human activity release mercury directly into soil or water, for instance the application of agricultural fertilizers and industrial wastewater disposal. Most of the mercury released from human activities is released into air, through fossil fuel combustion, mining, smelting and solid waste combustion. Still mercury concentrations in the environment are increasing this is ascribed to human activity. Release of mercury from natural sources has remained fairly the same over the years. Mercury enters the environment as a result of normal breakdown of minerals in rocks and soil through exposure to wind and water. It can be found in metal form, as mercury salts or as organic mercury compounds. Mercury is a compound that can be found naturally in the environment. Mineable reserves are around 600.000 tonnes. World production of mercury is around 8.000 tonnes per year. It rarely occurs free in nature and is found mainly in cinnabar ore (HgS) in Spain, Russia, Italy, China and Slovenia. Mercury occurs uncombined in nature to a limited extent. Mercury fulminate, Hg(CNO) 2, is used as a detonator. Vermilion, a red pigment, is mercuric sulphide another crystalline form of the sulphide (also used as a pigment) is black. Mercuric sulphate is used as a catalyst in organic chemistry. Mercuric oxide is used in skin ointments. Mercuric chloride (corrosive sublimate, HgCl 2) is used as an insecticide, in rat poison, and as a disinfectant. Calomel (mercurous chloride, Hg 2Cl 2) is used as a standard in electrochemical measurements and in medicine as a purgative. Much less mercury is now used in consumer batteries and fluorescent lighting, but it has not been entirely eliminated. Mercury is still used in some electrical gear, such as switches and rectifiers, which need to be reliable, and for industrial catalysis. Industry uses mercury metal as a liquid electrode in the manufacture of chlorine and sodium hydroxide by electrolysis of brine. Its Its ease in amalgamating with gold is used in the recovery of gold from its ores. ![]() It is extensively used in thermometers, thanks to its high rate of thermal expansion that is fairly constant over a wide temperature range. Because of its high density it is used in barometers and manometers. The most important mercury salts are mercuric chloride HgCl 2 (corrosive sublimate - a violent poison), mercuric chloride Hg 2Cl 2 (calomel, still used in medicine occasionally), mercury fulminate (Hg(ONC) 2, a detonator used in explosives) and mercuric sulphide (HgS, vermillion, a high-grade paint pigment). It alloys easily with many metals, such as gold, silver, and tin. It is a rather poor conductor of heat if compared with other metals but it is a fair conductor of electricity. It is a heavy, silvery-white liquid metal. Mercury is the only common metal which is liquid at ordinary temperatures. Mercury - Hg Chemical properties of mercury - Health effects of mercury - Environmental effects of mercury Separation and Concentration Purification Request.Plant Inspection & Process Optimalisation. ![]() ![]() ![]()
![]() ![]() Spades! has been undergoing some changes. Since its release, it has been downloaded for over 5 million times. ![]() ,LLC last updated Spades! on March 2, 2016. Although there are comments about the online mode needing more work. Many players have been raving about this addictive game, even calling it the best. This is done to keep track of your progress and get ranked in the leaderboards For this, you need to login to social media accounts. If you prefer to play with real players, instead of AI, there’s the Online mode. Last but not least is Whiz, where your bid is the number of spades or nil. For the last two modes, there’s Suicide, where either you or your partner must bid nil. In Mirror, your bid is the number of spades. With Cut Throat, the game is every man for himself. Not too familiar with the modes? In Partner, you play as a team with the person across you. Options for different Spades games like Partner, Cut Throat, Mirror, Whiz, Suicide, and Online are also available here. For the game’s Settings, you can tweak Display, Auto Play, Animate Bids, Mirror Bids, Two Click Bidding, and Game Speed. You will find the Play Partner, Play Online, Switch Game, and Help buttons there. The Spades! game is straightforward to navigate around. It allows blind nil bidding, and initial lead card, among others. The game provides support for alternatives like requiring spades to be broken, scoring of bags, and scoring of nil bids. The player can also look forward to a better Artificial Intelligence and score summary. With the Spades! download, the player can custom-make display with 2 trick orientations, 3 decks, and multiple backdrops. Choose from Partner, Solo, Suicide, Mirror and Whiz, depending on which type of game you want to play.Īlso, there are options for passing cards on nil and blind nil bids and Jokers and 2’s high deck. The game also has support for five – yes – five game modes. For instance, there is a new intuitive click and drag user interface. With this new version of Spades! the player will see fresh characteristics of the card game. Spades! Game Features: Feeling Lucky Yet? So what are you waiting for? Are you ready to try your hand at this amusing game? This entertainingly fast-paced card came is recommended for the whole family. The total is the number of tricks that the team should try to win to be able to get a positive score. Each team then puts together bids of the two assigned partners. Specifically, all four players will bid a figure of tricks. This is made before play of the hand started. Get two of these benefits with Spades! The object of the game is to take at least a certain number of tricks. Not only that, but they are good at keeping the mind sharp as well. With our in-house team of developers, designers, QA Testers, Project managers, and Sever management team, we always try to provide the best gaming experience to our clients.Card games have always been used to pass time. We always stick with cutting-edge technology and cater to every challenge. Weekly Winner Chips: Get Millions Chips on every week by participating on Weekly Contest!Īny suggestions? We always love to hear from you and making this App better.Īrtoon Solutions has over 14+ years of experience in card game development, mobile app, and website development services.Invite Bonus Chips: Get more chips on inviting friends.Daily Free Chips: Get more free bonus chips than any other Spades game.Initial Chips: Download now and get 10,000 chips FREE!!.Works Fast On Slow Internet: Works smoothly on slow Internet connection even like 2G.Chat & Gift: Live in-game chat and exchange gifts and have lots of fun.Extreme User Friendly: Easy and refreshing interface.Play With Your Friends: Locate your friends and join their table with a simple click of a button.Play with only real players anywhere in the world. Play with Real Peoples: No robots like other Spades game.5 Different Modes: Partner, Whiz, Mirror, Suicide and Solo.Download Spades Online Free Multiplayer Card Games Unique Features: Spades also have different game modes like Whiz, Mirror, Suicide and Solo which are popular in different countries. Spades is one of the traditional trick-taking card games like Hearts, but this trick-taking card game is played in pairs in which spades is always the trump. Spades is also known as Bidding, Paired Bidding and Blind Bidding Card Game. Which you can play with your family, friends or anyone, anytime anywhere in the world. Spades Multiplayer is a Live, Online, Multiplayer FREE gaming app from Artoon Solutions Pvt. Download Spades Online Free Multiplayer Card Games. ![]() ![]() ![]() Most Learning Management Systems require that you first open a standard browser (Chrome, Firefox, etc.) log in to the LMS, and then use the "Launch LockDown Browser" button on the quiz summary page.įor Canvas "Classic" quizzes and Blackboard Learn quizzes, go to Finder-Applications and double click on the "LockDown Browser" icon (a world globe with padlock) to start LockDown Browser. Accept all the default prompts to install LockDown Browser.ħ. (The "xxxxxxxxx" should be the actual Institution ID.)Ħ. Locate the "Install Respondus LockDown Browser xxxxxxxxx.pkg" to start the actual LockDown Browser installer. If the downloaded file did not automatically unzip, locate "InstallLDBPackage64c-2-0-x-xx.zip" (usually in the Downloads folder), and double click on the file to start the Archiver to unzip the file.ĥ. ![]() Important Instructions: There are 5 steps to downloading and installing. Depending on the browser setting, it may download as "InstallLDBPackage64c-2-0-x-xx.zip" where "-x-xx" is the current version number.Ĥ. Contact your instructor to obtain the correct download link for LockDown Browser. Download the LockDown Browser installer package. Log in as a local administrator with full rights (In System Preferences-Users & Groups, the user account must have "Allow user to administer this computer" enabled.)ģ. To download the beta version of LockDown Browser for Mac, go to the current page where students download LockDown Browser for Mac. We have a helpful video that shows how to install LockDown Browser on a Mac computer:ġ. Accept all the default prompts to install LockDown Browser.Ħ. Most Learning Management Systems require that you first open a standard browser (Chrome, Firefox, etc.) log in to the LMS, and then use the "Launch LockDown Browser" button on the quiz summary page.įor Canvas "Classic" quizzes and Blackboard Learn quizzes, go to your desktop and double click on the "LockDown Browser" icon (A blue diamond with a gold padlock) to start LockDown Browser. Locate the installer package in your Downloads folder and run it.ĥ. It will be in the form of "LockDownBrowser-2-0-x-xx.exe" where "-x-xx" is the current version number.Ĥ. It must be the 9-digit number provided to your institution.)ģ. (Do not use the web address with "xxxxxxxxx". Go to "" where "xxxxxxxxx" is your school's unique 9-digit Institution ID. ( (Windows-Control Panel-User Accounts-"user account"-"Change your account type"-"Administrator").Ģ. Log in as a local administrator with full rights. If you are interested in using this fully automated proctoring solution, please contact the Office of Teaching and Learning at or 30.We have a helpful video that shows how to install LockDown Browser on a Windows computer:ġ. Respondus Monitor builds upon the LockDown Browser integration, and uses a student’s webcam and industry-leading video analytics to prevent cheating during non-proctored exams. For more information, watch the overview video. For more information, see the Respondus Resources portfolio page (note: you may have to log-in using your DU email and password to see the resources page). Exams can be created offline using a familiar Windows environment, or moved from one LMS to another. Respondus Quiz Builder is a tool for creating and managing exams that can be printed to paper or published directly to Canvas. Respondus 4.0 Quiz Builder (Windows Only) LockDown Browser will prompt students to enter the instructor-provided code before proceeding with the quiz.įor more detailed information and descriptions of Advanced Settings, see the Instructor Quick Start Guide.įor additional assistance, please contact the Office of Teaching and Learning at or 30. Optionally you may create an access code that students must enter to start the quiz. You may additionally require that LockDown Browser be used to view quiz feedback and results. To change the settings, select Settings from the context menu to the left of the quiz title and select the desired option. › Quizzes labeled with NotRequired do not require students to use LockDown Browser.Ĥ. › Quizzes labeled with Required require students to use LockDown Browser. A list of quizzes in the course will be displayed. From the Course Navigation in Canvas, select LockDownBrowser.ģ. Make sure the quiz has been deployed in the Canvas course. To set up a quiz in Canvas that requires students to use LockDown Browser, follow these steps:ġ. Student Quick Start Guide Info for Faculty You must then start up the browser, log back into Canvas, and take the quiz. The first time you take a quiz that requires this, you will be directed to a link to download the browser. The browser won’t work if it is downloaded from a different link. Respondus LockDown Browser is a custom browser that locks down the testing environment within Canvas. Students are locked into the assessment and are unable to print, copy, go to another URL, or access other applications. ![]() ![]() Images can have a soft-edged shadow and an intuitive interface allows you to easily alter the shadow blur, transparency and color Images can be displayed with front and back faces, or can be made hollow Textures can be scaled, rotated and colored You can also import your own GIF or PNG files Interactive, easy-to-use lighting controls (three adjustable light arrows which can be dragged on-screen)įlexible interactive controls over the color and/or texture of every part of the image, and the backgroundĪ total of 37 textures are included in the download, and there are 400+ on the CD-ROM you receive when you purchase. ![]() The Style Picker allows you to easily grab any or all of the settings of one image and apply them to anotherĪ total of 27 different bevel types with adjustable bevel size Real-time 3D positioning around three axes by simply dragging the image on screenĪreas of text can be selected, and different attributes such as bevel, color, fonts, textures, animation and text settings applied Unlimited undo makes experimentation easy Interactive control over the 3D extrude depth - simply click and drag on the image ![]() Instant access to full character sets from within the text dialogĬreate non-text headings by importing 2D graphics as Windows metafiles (WMF and EMF) or CorelXARA/Webster files (XAR and WEB) and extruding the outlinesĪn automatic design-making tool instantly converts any text heading into a button, board or board with holesįull anti-aliasing for the best possible on-screen display quality. Xara 3d Full Crack Download: The Ultimate Guide to 3D Maker 7 taumagmili AugXara 3d Full Crack Download: The Ultimate Guide to 3D Maker 7įull text control, including alignment, superscript, line spacing, tracking and kerning values for individual characters or over whole selections ![]() ![]() ![]() You may have discovered that AppNee has hardly been updated in recent months, and the missing download links in many posts cannot be repaired. This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License. Otherwise, please bear all the consequences by yourself. Otherwise, you may receive a variety of copyright complaints and have to deal with them by yourself.īefore using (especially downloading) any resources shared by AppNee, please first go to read our F.A.Q. page more or less. To repost or reproduce, you must add an explicit footnote along with the URL to this article!Īny manual or automated whole-website collecting/crawling behaviors are strictly prohibited.Īny resources shared on AppNee are limited to personal study and research only, any form of commercial behaviors are strictly prohibited. This article along with all titles and tags are the original content of AppNee. Copy the unlocked file (X3D.exe) to installation folder and overwrite.Download and install Xara 3D Maker 7 to default.Click “ Enter activation code“, and input the Activation code above, then click “ Activate program“.Input the Serial number and Email address above, and click “ Activate by support ticket…“.Run program, and click ‘ Activate with serial number‘.An addition to word processing & presentation programsĪppNee provides the Xara 3D Maker full installer, unlocked file (X3D.exe), v7 universal license info or repacked version along with Content Pack for Windows 32-bit & 64-bit.Key Features // Creating and Importing Any users without professional skills about the complicated 3D software, in several simple steps, can make cool, high-quality 3D animation text in just a few minutes. With Xara 3D Maker, to make 3D text dynamic effects, we don’t have to spend a lot of time and energy on some large and hard-to-use industry software any more (like: Adobe Photoshop, Autodesk 3ds Max). ![]() It supports characters in multiple languages, allows to import 2D image file (WMF/EMF), and can export work as multiple dynamic media file formats such as AVI, GIF, SWF, ANI, SCR. Xara 3D Maker comes with comprehensive help files, 700+ examples of 3D animation effects, 60+ bonus fonts, hundreds of textures and many relevant customization parameters. It enables you to transform any text or shapes into high-quality 3D graphics and animations at full speed. ![]() Under concise UI and compact file size, it’s very powerful function. Xara 3D Maker (formerly called: Xara3D, AKA: MAGIX 3D Maker) is a well-established 3D animation/graphics creating tool, which enjoys the same reputation as Ulead Cool 3D. ![]() ![]() ![]() I’m including tons of pictures so you can see for yourself. As soon as I open it, I just want to accomplish things. The colors are motivating and energizing. The Living Well Planner Review: Life Planner Style: If you think that may be you- I step out a fool proof planner system here (that works with any planner). So often, I see people buy a planner and then abandon it because they don’t understand how to use a planner in a way that saves you time (instead of being another routine you need to keep up). Of course- I can tell you right now that you have to know how to use a planner (the right way) if you expect to use it consistently long term. I was positive that her life planner would have the beauty of an Erin Condren but actually have sections on budgeting and meal planning (which is essential for a life planner in my opinion). I’ve followed Living Well Spending Less (Ruth’s Blog) for a while now and know her well enough to know she puts her heart and soul into her products. Then Ruth Soukup of Living Well Spending Less announced that she was creating a life planner and I was all ears. I even created my own DIY “Life Planner” that was more of a life planner for $5 (it even had freezer cooking sheets!) while I patiently waited until I could buy an Erin Condren. It doesn’t have budgeting, or designated meal planning, or even goal setting. The Erin Condren Life Planner was beautiful and I loved the stickers… but I think “life planner” is a stretch. ![]() I lusted after an Erin Condren life planner for two years before I broke down and purchased it. Need step-by-step instructions for organizing your schedule? Check out our FREE Home Rescue Challenge here… Now let’s get into the details… I usually get Planner regret long before this point. Still AMAZING and still geeking out over it…This is the longest I’ve ever used the same planner (going on year two!), which as any planner nerd can tell you is unheard of. **Heads Up: This Post has been updated so it now shows the 2017 version of Living Well Life Planner which is currently in stock (fair warning- they sold out RIDICULOUSLY early last year…)** You can buy it here or read every single detail of the planner below… The Living Well Planner is AMAZING and beats the Erin Condren Life Planner by far! The Living Well Life Planner has sections for meal planning, budgeting, your daily, weekly, and monthly schedule as well as goal setting. I was a long time fan of the Erin Condren Life Planner when I found out about the Living Well Planner. No time to read about the life planner? Here’s the Cliff Notes version: You can get your Survival Guide here for FREE… We’ve taught hundreds of thousands of people how to use bare minimum consistent effort to completely transform their home (and life!). It teaches you step by step how to work with your personality to not only set up home routines that will work (no matter how many times you’ve failed in the past), but that you’ll stick to… long after the pandemic is over. Update: 4/5/20 You asked for it and I’m delivering! Starting NOW, you can grab the Trashed to Total Home Transformation Survival Guide (Pandemic Edition) For FREE! (Fair warning… I geek out over planners!) ![]() This is a detailed review which may bore you to tears if you aren’t into Life Planners. This is a review of the Living Well Planner, from someone who is obsessed with the Erin Condren Life Planner. Hot Mess to Home Success is now open for limited enrollment! Get step-by-step training on budgeting, meal planning, and home management that anyone can stick to! Offer ends January 12th 2024 at midnight! Learn more here. ![]() ![]() ![]() ![]() While your primary goal is to become an Airbnb host, it's also a good idea to expand your reach by listing your Airbnb property on multiple vacation sites. We will guide you through the creation of an income statement in Excel. It displays the revenue earned and expenses incurred during a specific period, allowing you to assess your financial performance. Buy Now #1 Build an Income Statement in ExcelĪn income statement, often referred to as a profit and loss (P&L) statement, is a fundamental financial document that provides a snapshot of your Airbnb business's profitability. Keep track of your finances with our pre-made Airbnb Income and Expense Excel Spreadsheet template. Ease of Collaboration: Sharing an Excel spreadsheet with partners or accountants for Airbnb collaboration is a convenient way to ensure everyone is on the same page.Reduced Error Margin: Excel's automatic calculations and conditional formatting enhance financial accuracy, providing a more reliable picture of hosting finances.Reduce audit risk and simplify income and deduction reporting by saving money. Tax Compliance: When tax season rolls around, you'll be well-prepared. ![]() Real-Time Tracking: Real-time expense recording provides a comprehensive financial overview, enabling monitoring of profit margins, identifying potential issues, and timely adjustments for optimizing earnings.Efficient Organization and Customization: Excel offers a customizable platform for managing financial data, allowing for easy customization and easy access to expense categories as your hosting business evolves.An Excel spreadsheet template offers numerous benefits: Benefits of Excel Spreadsheet Template for Airbnb Expense TrackingĮfficient accounting is crucial for a successful Airbnb hosting business, allowing hosts to track expenses and understand income sources. With an Excel spreadsheet Template, you can efficiently track your Airbnb income and expenses, without having to subscribe to a paid service or give up your sensitive data to 3rd parties. The secret to achieving this level of financial control lies in a simple, yet powerful tool - Microsoft Excel. Picture this: a beautifully organized system that effortlessly tracks your income and expenses, saving you time, reducing the headaches of tax season, and empowering you to make well-informed decisions to maximize your Airbnb profits. However, amidst the joy of hosting, there's a vital aspect that every host should master: managing the bookkeeping side of their Airbnb venture. It's a venture filled with excitement, cultural exchanges, and a chance to generate income with our space. As Airbnb hosts, we provide hospitality and are welcoming guests from all corners of the world into our homes. ![]() |
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