4/10/2024 0 Comments Mortgage extra payment calculatorYou should override and enter your own estimates, if required. These averages may not be accurate for your particular situation. PMI, property taxes and homeowners insurance (aka hazard insurance OR home insurance) are defaulted to national averages in the US.The actual PMI is based on your loan-to-value (LTV), credit score and debt-to-income (DTI) ratio. Private Mortgage Insurance (PMI) is calculated only if down payment is less than 20% of the property value (i.e., loan-to-value ratio is higher than 80%) and stops as soon as the outstanding principal amount (balance) is less than or equal to 80% of the home value. You should take into account loan limits on conventional loans set by FHFA.If you are refinancing your loan, you should treat the down payment amount as the equity you own in your home. The difference between home value and the mortgage amount is considered your down payment.Here are a few important points to help you understand the mortgage calculations: A table showing the difference in payments, total interest paid and amortization period under both schemes is also displayed. Many homeowners wish to accelerate their mortgage schedule through extra payments or accelerated bi-weekly payments. You are presented with a detailed mortgage payment schedule. It also calculates the sum total of all payments including one-time down payment, total PITI amount and total HOA fees during the entire amortization period. This free mortgage calculator helps you estimate your monthly payment with the principal and interest components, property taxes, PMI, homeowner’s insurance and HOA fees.
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Let’s take a closer look at the best sites for NSFW streams: 1. We’d love to include more nude gaming stream sites in our list, but the reality is… there aren’t many! You may also be familiar with Plexstorm and Goohshi, but unfortunately these platforms are no longer operational. We’ve chosen these four sites based on the number of shows available, site popularity, types of shows, and overall reputation. The 4 top-rated NSFW game streaming platforms in 2023 are listed below: But since most of the biggest streaming platforms prohibit this type of content, you have to search a little harder to find such performances. What Are The Best NSFW Game Streaming Sites?Īdult-only game streaming combines Twitch-style content creation with not-safe-for-work adult cam shows. So, without further ado, let’s go through our top NSFW game streaming sites for 2023 before revealing all you need to know about failed platforms, famous streamers (MidnightMan and Anne Sao make an appearance), and where to sample these game stream recordings for free. Sites like and Chaturbate allow creators and viewers to indulge in their sexy nude gaming delights, without fear of the dreaded channel banhammer. Thankfully, as you’ll discover in this post, there are new up-and-coming platforms that are much more friendly towards X-rated live streams. The biggest platforms - *cough* Twitch, YouTube - aren’t exactly welcoming of adult game streamers. The same holds true for the adult streaming space… but there’s an obvious problem… NSFW game streaming is a fairly new phenomenon, but we’ve seen from platforms like Twitch how Internet personalities can rapidly gain fame (and notoriety) from live streaming. Or maybe you’re the hottie that wants to dive into this sort of content creation? Looking for the hottest nude gaming streams? Fancy watching some gorgeous girls and guys stream NSFW game titles while they put on a cam show of their own? The cost of the package for iOS is $99.95, and for Android - $139.95. Because data is such a vital aspect of our lives, and we accumulate a lot of data in our phones and laptops at all hours of the day and night, Wondershare Dr.Fone is the tool that can simply recover your data.We have accidentally destroyed crucial data on occasion, but with the help of this tool, we can quickly recover it. You can buy each function separately or pay immediately for the full Toolkit package. You can also work with such video formats as MP4, 3GP, MOV, AVI, MPG and many more. It ensures you recover your lost data due to iOS upgrade/jailbreak, accidental deletion, or device lost or broken. The application supports all popular photo formats – JPG, PNG, BMP, GIF, TIFF. 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Android users can take advantage of the Dr.Fone Recovery & Transfer wirelessly & Backup application. 4/10/2024 0 Comments Calculate moment of inertia t beamRight for the small component parts of a much larger object. Interesting, and has played an important part in the development of The theorem concerning the motion of the center of mass is very Located at $X_A$ and the other of mass $M_B$ located at $X_B$. Now since $M$ is evidently the sum of $M_A$ and $M_B$, we see thatĮq. ( 19.2) can be interpreted as a special example of theĬenter of mass formula for two point objects, one of mass $M_A$ The location of the center of mass (abbreviated CM) is given by the Mike The Feynman Lectures on Physics New Millennium Edition Your time and consideration are greatly appreciated. So, if you can, after enabling javascript, clearing the cache and disabling extensions, please open your browser's javascript console, load the page above, and if this generates any messages (particularly errors or warnings) on the console, then please make a copy (text or screenshot) of those messages and send them with the above-listed information to the email address given below.īy sending us information you will be helping not only yourself, but others who may be having similar problems accessing the online edition of The Feynman Lectures on Physics. This type of problem is rare, and there's a good chance it can be fixed if we have some clues about the cause. which operating system you are using (including version #).which browser you are using (including version #).If it does not open, or only shows you this message again, then please let us know: So, please try the following: make sure javascript is enabled, clear your browser cache (at least of files from ), turn off your browser extensions, and open this page: If you use an ad blocker it may be preventing our pages from downloading necessary resources. If you have have visited this website previously it's possible you may have a mixture of incompatible files (.js. In order to read the online edition of The Feynman Lectures on Physics, javascript must be supported by your browser and enabled. There are several reasons you might be seeing this page. 4/10/2024 0 Comments Length of space shuttle endeavourThe same type of isolators are part of the way that Endeavour will be kept safe in the vertical, though the preparations and complexities involved are greater. "We went through and looked at the surveillance cameras and there was no movement - or at least, none that we could perceive." "The only one that I remember was the largest one," said Jenkins. And one, a 7.1 magnitude earthquake in 2019, was felt by as many as 30 million people spanning the length of the state. Five of those events were violent enough to cause minor damage. Since that day, Caltech's Southern California Earthquake Data Center has recorded 7,383 times the the ground shook strongly enough that people in the area might feel it. In the case of a powerful earthquake, the shuttle would only glide gently back and forth, having been separated from the ground. When Endeavour was rolled into its pavilion at the end of a three-day road trip in October 2012, it was mounted atop four friction-pendulum seismic isolators. is a pile of rubble," Dennis Jenkins, director of the science center's project to display Endeavour and a former NASA space shuttle engineer, said in an interview with collectSPACE.Ī lot of research and technology stands behind Jenkins' answer, providing the confidence for he and his team to go forward with stacking the towering display. "Suffice it to say that the building and Endeavour will be standing when L.A. Now, as the California Science Center takes the first steps to stack the vehicle with a pair of twin solid rocket boosters and an external fuel tank for a vertical, launchpad-like permanent exhibit inside the new Samuel Oschin Air and Space Center, the question has only increased in magnitude. Even before it opened more than a decade ago, the exhibit of NASA's retired space shuttle Endeavour in Los Angeles has elicited one question perhaps more than any other - can it survive an earthquake?Īnd to think, that was while the winged orbiter was displayed near the ground in its horizontal, landing configuration. Predefined Format: The Staff Schedule Template Excel comes with a ready-to-use format that allows users to easily input and update employee schedules.The Staff Schedule Template Excel provides a comprehensive framework for businesses and organizations to streamline their scheduling processes, ensuring optimal workforce utilization and improved operational efficiency. This template is specifically designed for use in the Microsoft Excel software, a widely adopted spreadsheet program that offers a range of features for data manipulation and analysis. If no qualified staff member is available for a particular shift, you can fill it with a temp worker.The Staff Schedule Template Excel is a powerful tool used in the field of human resource management to efficiently organize and manage employee schedules. When your budget allows, build a pool of temporary workers at the outset of your business. Giving employees the ability to switch shifts can reduce absenteeism. Trading a shift with another worker is better than canceling it last minute. For example, you can digitally or physically praise them in front of the whole team. Offer these workers small but meaningful perks. One of the best ways to discourage shift no-shows is to reward workers who show up on time to their shifts. Staying aware of their preferences will keep employees engaged and happy. Let employees do the jobs they’re most interested in at times they prefer to work. If you don’t have a staffing shortage, try to set hours in a way that suits employees. Having this knowledge ensures that employees are up-to-date with their credentials. Then, stay on top of their expiry date over time. It’s important to confirm these credentials upon hiring. Your workers may need special credentials to do a job legally. For labor regulation needs and rule based criteria scheduling.Įnlist these tips when scheduling employees: Employees can trade shifts, see who is working with them and clock in and out. Business owners can add and publish shifts, message employees and share shift changes. This app gives managers and employees flexibility on and off the job. It lets workers own their schedules with self-service tools so they can clock in, swap/offer shifts, set availability for things like sick leave and pick up open shifts. Shifts in Microsoft Teams is a digital schedule management tool that helps managers create, update, and manage schedules for their team. Here are a few top apps to enlist for the task of scheduling your employees: Mobile apps are the most portable solution for employee scheduling. Or, use an employee schedule template or create one in spreadsheet software such as Microsoft Excel. Go old school and make an employee schedule on a whiteboard or paper. What are some apps that can help schedule employees? Better yet, store it in a particular file location that all workers at your business can access at any time. You can keep an employee schedule in a central physical location like a bulletin board. Communicate your employee schedule at least two weeks before it begins. Make sure equipment or vehicles are also present during a shift. Map an available and suitable staff member to each shift. This means the worker has no scheduling conflicts, vacation, family or sick leave. Availability should factor in whether a worker can be at the job site at a determined time and place. Suitability should factor in whether a worker has the skills to fill the role. Exempt employees do not need to get paid overtime. An employee’s exemption status dictates whether you must pay him or her overtime. Review the exemption status, suitability and availability of staff members for each shift. You should block out these dates first so that you know availability. Scheduling conflicts may be due to weekends or national or company holidays. Specific days and times may be unavailable for scheduling. You may need only one cook and one cashier on Saturday evening between 6 p.m. Determine the roles you need to fill and the days, times and locations at which you need to fill them. It should also avoid scheduling conflicts, boost output and reduce costs. Employee scheduling should meet staffing needs. It sets the work hours for part- and full-time employees. Read on for tips for effective employee scheduling.Įmployee scheduling involves making a master schedule. Are your employees no-shows more often than they show up to work on time? Your employee schedule may need a tune-up. Warmonger: Operation Downtown Destruction Originally a Quake 3 mod, now a standalone game. GNU GPL (ioquake3 engine), Proprietary license (mod code, media)įast-paced, Hollywood tactical shooter. Single/Multiplayer.įree-to-play "social shooter" on Facebook, MySpace and Apple's Dashboard Widgets.Ĭrowdsourced and free first-person shooter. Single/Multiplayer.Īliens vs Humans multiplayer team combat with some RTS elements.įuturistic team based combat, released for free to promote Tribes: Vengeance. Multiplayer only.Īlso a machinima series. Single (with bots)/Multiplayer.įuturistic team based combat, released for free to promote Tribes: Vengeance. GNU GPL (code/some media) Proprietary license (some media) Smokin' Guns Productions and Iron Claw Interactive The sequel to the award-winning game, Savage: The Battle for Newerth. Hybrid FPS/RTS with both ranged and melee combat Has a number of bugs but contains a full, playable single player campaign. Contains content and features cut from the final release. New take on the first person arena shooter, featuring parkour, impulse boosts, and more.Ģ004 Alpha build of S.T.A.L.K.E.R.: Shadow of Chernobyl. Single/Multiplayerįree FPS created by Zepetto in 2009. Single/Multiplayer.įree software content remake of Quake III Arena. Mac OS (original), ported to Linux, OS X and Windows via AlephOne Won first place in the 96k game competition at Breakpoint in April 2004. Developed with the People's Liberation Army of China for use as a recruitment and training tool. Linux, OS X, Windows, Android, Mac OS, MS-DOS, othersĪ Doom WAD file intended to be used instead of the copyrighted file from the original Doom and Doom II. Single/Multiplayer.įirst person stealth game in the style of the Thief series games (1 and 2) using a modified Id Tech 4 engineįirst-Person Shooter with Jetpacks, Multiplayer, CTF, Deathmatch Quake style deathmatch, includes built in level editor. Science fiction, with single or multiplayer modes. GNU GPL (code), Proprietary license (media) Linux, Mac OS (requires manual compilation), Windows Realistic environments, fast arcade game play, many game modes. Zlib License (code), Individual licenses (media) This is a list of some of the most popular freeware and free and open-source software first-person shooter games. See also: List of open-source video games Pictured: Rory Brennan uses a damp sponge to smooth the final coat on a plaster patch. Just follow the steps on the next page, and your electrician’s less-than-handiwork will be history. A softer, slower-setting lime-based plaster, like the one I developed for Big Wally’s line of plaster-repair products, takes about an hour to set, isn’t prone to cracking or delaminating, and needs no sanding, which keeps dust to a minimum. It’s much harder than the wall’s original plaster, and it sets in the blink of an eye. What’s the wrong material? So-called patching plaster sold at home centers. But it’s easy to make the damage disappear for good if you use good techniques and the right materials. Today I am doing some hard work, but also having amazing progress I am working on tearing down the lath & plaster walls in one of the upstairs bedrooms. Plaster is easier to clean up if you mix it in a plastic tub. If you pour water into plaster, on the other hand, it will start setting within 5 minutes. Mixed that way, the plaster will set slowly and will be usable longer. – Daniel and Lauren herlocker, Brattleboro, VT.Ī: Retrofit work by clueless electricians is the number one cause of damaged plasterwork these days. To mix plaster, pour it into water as you wiggle your fingers in the bottom of the pan. Q: The electrician who put in new light switches left gaping holes in our lath-and-plaster walls. This is one more reason we recommend using Plaster Magic® to reattach plaster to lath. 3-4 hours of work, plus drying time, over three days If you have an old plaster wall that is covered in lead paint, tearing it down and throwing it in a dumpster creates a huge amount of dust that may be toxic. 4/10/2024 0 Comments Honda car maintenance checklistAir and fuel filter check – Like the oil filter, your air filter and your fuel filter are key components to ensuring that dust, dirt, and debris are caught.Engine oil and oil filter change – The oil filter is there to catch and filter out the dirt and grime that builds up over time, so it is recommended to replace both the oil and the filter frequently to ensure your vehicle continues to run at prime performance.We have provided the list below outlining what is generally performed by your automotive expert in a minor service. You might be asking, ‘How do I know what is and is not covered in my minor service?’. Minor servicing is great for maintaining your vehicle, and ensuring you catch any small problems before they pose a risk to yourself or your car. The minor services require the least time and money as basic tasks are carried out with little to no cost on part replacements. It is the basic maintenance routine in which your mechanic will check surface-level areas that will keep you on the road through your everyday commute. What is a Minor Car Service?Ī minor car service is a service that comes between the larger or manufacturer-required services. Many would believe that they are the same thing however, as you read on, you’ll learn the differences as we break them down for you and show you why each of them is important. Many vehicle owners may become confused when you ask if they want a Minor or a Logbook Service. Each of these services may include similar tasks as the service that precedes it, but that does not mean it is any less important or your vehicle can go without. There are three standard vehicle services in Australia Minor Service, Logbook Service, and Major Service. Let’s get started! What Types of Car Services are There in Australia? We guarantee you will walk away confident and armed with expert information about car servicing in Australia. This blog will teach you the differences between the most common services and their frequencies. A logbook service is a service documented in a physical logbook that ensures your car stays under warranty and is serviced based on manufacturer advice. Minor car services include simple checks like inspecting filters, while major services include comprehensive inspections like overall electrical inspections. Which begs the question, what is the difference between major, minor, and logbook services? But it can be confusing to know which to get between major, minor and logbook services. As car owners in Australia, we know we must take our cars to the mechanic for regular servicing. Start with the first dish and write down all the ingredients you’ll need to buy on the right half of the meal planner template to begin creating a grocery shopping list. Fill out what you want to eat for each day of the week. To illustrate how meal planning works, let’s walk you through the steps using our free printable meal planning template as a guide. How to Meal Plan - Step-by-step Instructions By meal planning, you can make sure that you have a use for the entire produce, box, or can of everything you buy. This is bad for both the environment and your pocketbook. Here is an example you can try:īelieve it or not, Americans waste on average a pound of food per person per day. Since most people do their meal planning on weekends or when they have some downtime, they have the leisure to explore online and look for new recipes they want to try.įor some, it helps to have themes for each night to guide what kind of recipe they'll look for. Meal planning gives you the opportunity to ensure that you can coming up with a wide variety of dishes for your family. One of the most common complaints people have about home meals is that they feel like they are stuck eating the same things over and over. This ensures you get the healthy mix you want. You can start off deciding what specific vegetable or healthy ingredient you want to feature each night, then choose a recipe that showcases it. If you want to incorporate more fruits, vegetables, grains, and legumes into your diet, meal planning is a excellent way to do that. Trying to figure out what ingredients you have on hand and what you can make for dinner isn’t always as easy as it sounds, but meal planning completely eliminates this burden. Reduce stressĪgain, having to making decisions after a long day at work is not ideal, but there’s no reason you have to if you meal plan. This eliminates having to make extra, unexpected trips to the grocery store because you realized that you were missing an ingredient for the dinner you had just decided you want to make tonight. When you meal plan ahead, you are pre-identifying everything you need so you can shop for the necessary items all at once. Before you dismiss meal planning though, let us show you all the ways it will make your life so much better. The alternative to meal planning is to just decide what you’ll eat as each day comes along. Our free template is blank, so you can choose only the meals you want and use it anyway you see fit.Īlthough there is such a thing as a monthly meal plan, most people think ahead only about a week at a time when it comes to their meals, so our template is designed for weekly use. If you happen to not like any of the meals, though, it might not be easy to remove the ingredients from the shopping list that pertain to the meal you don’t want, and then add in the items for the meal you’d rather replace it with.įortunately, meal planning can be totally customizable and is super simple to do on your own. It's pretty easy to find premade meal plans online, that have pre-chosen meal recipes and corresponding grocery lists already organized into a convenient, printable form. However, to maximize all the potential benefits of meal planning, the best way to meal plan is to do it formally, by writing out your plan in a calendar or meal planner template (like the free one we have at the bottom of this post!). Whenever you know ahead of time what you’re planning to eat later that week, you are already informally meal planning.įor example, if you know to always keep cereal in stock because that’s what your family eats every morning, that’s technically meal planning. At its core, the basic idea behind meal planning is pretty simple: deciding beforehand what you’re going to eat for the rest of the week. |
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