![]() ![]() "I've never had someone come back to me and say they were unhappy that they paid off their mortgage," he said. ![]() Ginsburg said that clients who have initially disagreed with his advice to get rid of their mortgage have later thanked him. "We generally recommend paying off the mortgage and receiving the emotional benefit of lowering fixed overhead."įor instance, he said, it helps ease retirees' anxiety level during market downturns because they worry less about how their income is affected, even when they have no reason to be concerned. "Why speculate with their home equity? What major benefit does this furnish to a client?" Ginsburg said. "Yes, clients could potentially make more money by leaving capital with us to manage and attain higher returns net of taxes than the interest cost of their mortgage," said CFP Larry Ginsburg, owner and president of Ginsburg Financial Advisors in Oakland, California. Schmehil and other financial advisors said, however, that even if you determine the math suggests it would make more financial sense to continue paying your mortgage, there is the emotional factor in the calculus that can - and perhaps should - weigh heavily. Personal Loans for 670 Credit Score or Lower Lenders traditionally require a down payment of 20 as a condition of qualifying for a mortgage since a borrower who invests their own money in their home is less likely to give up on making. Here are some specific ideas: Use the 1/12 rule. Personal Loans for 580 Credit Score or Lower Paying off a mortgage early requires you to make extra payments, but there's more than one way to approach it. Using the overpayments calculator provided by London & Country Mortgages, in your case, continuing to make monthly overpayments of £1,000 and assuming an interest rate of 2.5%, would mean that you would pay £21,038 less in interest and reduce the mortgage term by nine years and seven months.Best Debt Consolidation Loans for Bad Credit ![]() They both reduce the overall amount of interest paid on the mortgage and shorten its term. We are looking at paying off our mortgage as soon as possible, so my question for our next mortgage is, should we continue with a term of 17 years and continue to make overpayments, or should we decrease our term by a number of years and increase our monthly payments and then make any additional overpayments if we are in a position to do so? I am not sure which one would be the most beneficial approach in terms of paying off the capital quicker and reducing the interest that is added monthly.Ī Both overpaying and shortening the mortgage term are equally beneficial and do exactly the same thing. However, for the past 12 months we have been overpaying by approximately £800 to £1,000 a month. At present, our monthly payment amounts to £1,050 a month. Closed end loans have a specified term for pay back, a stated payment and a fixed. If you are considering paying off your mortgage, you can request a payoff amount from your lender or servicer. If you are paying off your loan early, you may have to pay a pre-payment penalty. We have 17 years left on the term and a £160,000 amount outstanding. WEPCO offers a variety of loan products to suit your financial needs. The payoff amount may also include other fees you have incurred and have not yet paid. Q Our current mortgage deal is due to expire in September. Paying off your mortgage sounds like a dream, being able to own your home outright without making a payment to a financial service provider every month.
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![]() Sniper Elite 4 is currently available for PlayStation 4, Xbox One and PC.īe sure to check back with iDigitalTimes and follow Scott on Twitter for more Sniper Elite 4 news in 2017 and however long Rebellion supports Sniper Elite 4 after launch. Kill Rothbauer without infiltrating the islandĭestroy the three Hydrogen Peroxide plant valves in under 5 minutesĬomplete mission without manual reloading Melee kill the sniper who survived a previous encounter with Karl in North Africa Sniper Elite: For the ultimate challenge. All tactical assistance features are active. Kill Capo and take his rosary inside the church Your stance will have an effect on your scope's steadiness and gravity will affect your bullets. ![]() Neutralize the Radio Operators before they trigger any reinforcements On the church sound, he started picking off targets. I sneaked up in houses while he took overwatch by the streets, taking out potential threats. Me and one of my friends playing coop mode, St. Kill 20 or more enemies with a shotgun and complete the mission Secret Kill and extra challenges Just wanted to share an extra challenge if you guys want a little more. Spend less than two minutes at a resting Heart RateĬomplete mission without tagging anyone with binocularsĬomplete level without blowing your cover Retrieve the film canister from the pilot’s body without killing any enemies guarding the church Kill the Sniper with Greta in under five minutesĭestroy the additional ammo truck before it reaches its destination Get over 2000 kill-score by killing enemies in the village. No other weapons or offensive items used. Kill 50 or more enemies with an SMG and complete the mission Sniper Elite V2 Remastered 2,236 1,000 47 3.85 9,391 537 (6) 15-20h 9,391 gamers are tracking their Sniper Elite V2 Remastered achievements. Here are all 40 optional challenges from the campaign: San Celini Island Remember : the more you shoot a weapon, the more you get used to it. A rookie in guns on the other hand might not be able to hit anything even at a short distance, so be sure to get yourself comfortable with a specific rifle, then explore the others. You’ll still have to figure out how to complete the toughest tasks yourself, like navigating Abrunza Monastery without firing a gun or delivering a fresh dead body ever two minutes in Bitanti Village. A well trained all-around sniper can hit his/her target with almost any rifle. Rather than make you go through the same hassle - and replay the entire Sniper Elite 4 campaign if you’re interested in 100 percenting the game - we’ve listed all 40 of the optional challenges from the main story. ![]() But we weren’t fans of the decision to reveal optional challenges for each Sniper Elite 4 mission only after the corresponding stage has been completed. And we’re big fans of Rebellion’s latest take on the third-person stealth shooter. Sniper Elite 4 is finally available on PlayStation 4, Xbox One and PC, less than three years after its predecessor helped bridge the gap between the last and current generation of consoles. ![]() Once you are done, you can play around with an array of 3D, screen resolution, and tiling options available, and choose one that befits you. Right-click the image and select the option to set it as your background. Select a photograph from your collection. How do I make an image my desktop wallpaper? You can do this by following a simple process: 1. All you need to do is to know how to save images as wallpapers, and there you go! You will have a wallpaper that suits your needs and preferences. Can I design desktop wallpapers? Yes, you can! You do not need to be a graphic designer for you to do this. That said, desktop wallpapers cannot be ignored, they mean different things to different people. Adding a quote will act as a reminder of what inspires you in your day-to-day life. Interesting, huh? You can add an image that shows how you feel or one that means something to you. Sometimes, people display their feelings through the use of desktop wallpapers. They add glamor to your computer and make it look aesthetically appealing and highly presentable. However, this element comes with a sense of beauty. In fact, you can decide to use a dark colour, and life will move on as usual. What is the use of a desktop wallpaper? Well, adding a wallpaper to your desktop is not mandatory. What you need to know is that these images that you add will neither increase nor decrease the speed of your computer. Vellum Wallpapers: Neatly organized and themed wallpapers 2. A desktop wallpaper is highly customizable, and you can give yours a personal touch by adding your images (including your photos from a camera) or download beautiful pictures from the internet. 12 Best Wallpaper Apps for iPhone: 2022 Edition 1. The background of this screen can be a single colour, multiple colours, or some other graphical representations. So, keep scrolling to find the best images to use for iPhone wallpaper.What is a desktop wallpaper? When you boot your computer, there is an initial screen that comes up, in which your folders, documents, and software shortcuts are placed. To summarise, the image you choose will help you feel better on one hand, and on the other hand can be a good conversation starter. It says things without words. You can use your screen as a non-verbal communication tool. If you choose a wallpaper of the Little Prince for example, you will have the opportunity to convey your love for the book to others. Maybe you like watching shows, in this case choose a wallpaper that shows it and you will have a theme to discuss with all those who are going to see your wallpaper. So, let yourself be inspired by the pretty iPhone wallpaper images found on this page.Ĭhoose an image that visually represents an event, opinion or personal point of view. This is indeed what the image does by definition. Sight gives us the opportunity to observe, analyse and appreciate the environment around us. This is one of the reasons why images occupy a large part of our lives. They can be reflected in the perception of the world. Surrounding yourself with beautiful pictures can help you feel good. Just like the cute kitten video that your friend sent you, the image you use as a wallpaper for your mobile phone can make you smile. What’s more, it can inspire you to pursue your dreams. For example, if you keep scrolling, the third image below is a quote that makes you dream. This will freeze the column(s) to the left of the selected cell and row(s) above the selected cell.Select the Freeze Panes option from the drop-down.For example, if you want to freeze two rows (1 & 2) and two columns (A & B), select cell C3.Select a cell just below the rows and right next to the column that you want to freeze.In such cases, it makes sense to freeze both rows and columns. In most of the cases, you would have the headers/labels in rows as well as in columns. Now when you scroll to the right, all the columns with headers would always be visible. You would notice that a gray line appears to the right of the columns that have been frozen. This will freeze all the columns to the left of the selected cell.In the Zoom category, click on the Freeze panes drop-down.Select the top-most cell in the column which is right next to the columns that contain headers.If you have more than one column that contains headers/labels, you may want to freeze all of it. If you insert a column to the left of the column that has been frozen, even the inserted column is frozen.įreeze/Lock More than One Column in Excel.You need to use the unfreeze option in the Freeze Panes drop-down. Once you freeze a column, you can not use Control + Z to unfreeze it.Now when you scroll down, the left-most column would always be visible. You would notice that a gray line now appears at the right border of the left-most column. This will freeze the left-most column of the data set.In the Freeze Panes drop-down, select Freeze First Column. ![]() Here is how to freeze the left-most column: In such cases, it’s a good idea to freeze the left-most column so that the headers are always visible to the user.įreeze/Lock the Left-Most Column in Excel If you are working with a dataset that has headers/labels in a column and the data is spread across many columns, as soon as you scroll to the right, the header would disappear. In the Freeze Panes drop-down, select the option to Unfreeze Panes.Įxcel Freeze Panes Options – Freezing Column(s).Something as shown below:Īlso read: How to Freeze Multiple Columns in Excel? Unfreeze Rows in Excel Now when you scroll down, all the header rows would always be visible. You would notice that a gray line now appears right below the rows that have been freezed. This will freeze all the rows above the selected cell.In the Freeze Panes drop-down, select Freeze Panes.Select the left-most cell in the row which is just below the headers row.If you have more than one header rows in your dataset, you may want to freeze all of it. Now when you scroll down, the row that has been frozen would always be visible. You would notice that a gray line now appears right below the first row. This will freeze the first row of the data set.Here are the steps to freeze the first row in your dataset: In such cases, it’s a good idea to freeze the header row so that these are always visible to the user. If you are working with a dataset that has headers at the top row and a dataset that spans hundreds of rows, as soon as you scroll down, the headers/labels would disappear. Let’s see how to use these options to Freeze Panes in Excel while working with large data sets: Freezing Row(s) in Excel You can use these options to lock rows or columns (or both) into panes in Excel. Freeze First Column: It freezes all the columns to the left of the active cell. ![]()
![]() eml files, which will also carry any attachments they have. Drag them all into to the folder you created on the desktop. Go back to Entourage's Inbox and highlight all emails you have in that folder. Create a new folder on your desktop named Inbox. That can be imported into Office 2019 or 365.Ģ) For your email, you have to drag them all out to a folder. ![]() In Entourage 2008:ġ) Export your contacts to a (tab-delimited text) file. The other method is the manual, long way around. All imported data for Outlook 2016, 2019 and 365 data goes to the /Users/your-account/Library/Group Containers/UBF8T346G9.Office/ folder. Once done, you don't need the old 2011 Main Identity folder anymore. Launch the new version of Outlook and simply choose to import the 2011 data (it's one of the first thing it will ask to do). Then you'll have what you need to import your data into a new version. ![]() If you know anyone who has Office 2011, you could have them import your 2008 data to 2011 and put that resultin Main Identity folder on a flash drive. Old data for import must be in the Office 2011 Outlook format. It's either that, or the subscription version Office 365.īut yes, Office 2016, 2019 and 365 will not import a 2008 Entourage database. It has been replaced by Office 2019 as the newest one-time cost perpetual license. See How to remove Office license files for help.If you do upgrade, there's no reason to purchase Office 2016. If you previously had a one-time purchase of Office on your Mac, but you're now a Microsoft 365 subscriber and aren't seeing certain subscription features, your copy of Office may still be using the license of your one-time purchase and not your subscription. You updated Office, but not seeing subscription features If you're having trouble updating with Microsoft AutoUpdate, see Troubleshoot Microsoft AutoUpdate. If you're looking for previous release downloads for Microsoft AutoUpdate, see Update history for Office for Mac. You can find Release notes for Office for Mac here. Select Accept and then Check for Updates, to download the Insider updates Review the License Agreement and information that’s collected when you use your apps. Select Current Channel (Preview) or Beta Channel.Ĭurrent Channel (Preview) gives you early access to fully supported builds with minimal risk.īeta Channel is a good option if you want the earliest but unsupported preview builds that are released more frequently. Open an Office app, like Word, then click Help > Check for Updates > Advanced. To learn more about the insider program, see this page. You’ll get preview builds for the latest features, security updates, and performance fixes that we release before anyone else who are on the older versions of Office. To get exclusive access to the newest features and updates, and the opportunity to send feedback directly to Microsoft, join our Insider program. ![]() Open the Mac App Store from your Dock or Finder.Ĭlick Updates on the left side menu, then click Update All, or the Update button next to the apps that you want to update. But you can also manually download the updates: If you downloaded Office from the Mac App Store, and have automatic updates turned on, your apps will update automatically. Then click Update All or Update next to individual apps. If you want to learn about the details of each update before installing, click the arrow next to the Update button and review the apps, versions and installation date. Select Automatically keep Microsoft Apps up to date to receive the latest security fixes and feature improvements as soon as they become available, helping your Mac stay protected and up to date.Ĭlick Update to download and install all the available updates. If you don't see Check for Updates, run the latest version of Microsoft AutoUpdate tool, then check for updates again. Open an Office app such as Word, then on the top menu, click Help > Check for Updates. If you are a Microsoft 365 subscriber, you'll also receive the newest features and tools. Microsoft AutoUpdate makes sure your copy of Office will always be up-to-date with the latest security fixes and improvements. ![]() ![]() He has two stars for skill and five for bad leg, medium/high work rate, high and balanced body type+, he is 1’85 and right-handed. Marcel Desailly FUT Birthday Icon (Level 20) Positions: DFC and CDM. The other option for your level is a pack of fifteen non-transferable +83 players.He has three skill stars and a bad leg, high/high work rate, balanced body type, is 1’78 tall and right-handed. The other option for your level is an untradeable +85 ten-player pack.Ĭaicedo TOTS Moments (Brighton – Premier League – Ecuador) (Level 15) Positions: CDM and CM.He has five stars for skill and four for bad leg, high/medium work rate, Body type Small but strong, he is 1’75 and right-handed. Marseille – Ligue 1 – France) (Level 10) Positions: EI, MCO and DC. The other option for your level is an untradeable +85 five-player pack.He has five stars for skill and three for bad leg, medium/medium work rate, Body type Tall and balanced, he is 1’85 tall and right handed. So, in my opinion, the prices available in the pass were a very good surprise.įIFA 23 – Free Season Pass Cards Reyna TOTS Moments (Dortmund – Bundesliga – USA) (Level 5) Positions: EI, MI, ED and MCO. For example, if you haven’t used Payet TOTS Moments, you can choose an untradeable +85 ten-player pack. It looks like we’re going to see quite a bit of flashy content, as even the season’s free items are in plenty.Īnd even if these footballers didn’t interest you, you can decide not to trade them and choose packs or player picks instead. And while Caicedo won’t surprise with his attacking conditions, he should be a brutal CDM for the Premier League.ĭue to the characteristics of these freeware versions, I believe that FIFA 23 Ultimate Team general level increase will soon be very big. Because Reyna, Payet and Jesús Navas have reached the five watermarks. As you will see now, most of them have very good stats and even stand out with stars. The large number of cards in the season pass is surprising, in addition to the level they have. These are Reyna TOTS Moments, Payet TOTS Moments, Caicedo TOTS Moments, Desailly FUT Birthday Icon (which can be purchased in the market), Jesús Navas Flashback and Wayne Rooney FUT Birthday Icon (which is also available as a transfer). We find six different elements at six different levels. Because we have a lot of them and because of their characteristics. It was predictable that this would happen, but I think that the special versions available are very surprising. If yesterday appeared FIFA 23’s first free TOTSToday the new season of Ultimate Team has started and it allows us to get some cards if we accumulate experience. ![]() Instagram caption ideas and examples for businesses Think about captions not as only explanations for your posts, but also opportunities to tell a story, announce contests, shine a light on your business’s best qualities, and show your brand personality. ![]() Yes! While photos and videos are the simplest way to grab a user’s attention with your Instagram marketing when scrolling through their feed, you need a creative caption to keep your follower’s attention. Wait!Don’t have an account for your business yet? Find out how to create a new Instagram account–and optimize it to get followers. Make sure the hashtags you use in your Instagram captions are relevant, easy to use (so others can use them, too!), and don’t look spammy. So how many should you add? Between five and 11 hashtags is the sweet spot. You definitely need to include hashtags in your Instagram captions (and if you need inspiration, we outlined 335+ hashtag ideas for you). Research shows the best length for Instagram captions is 405 characters, or about 65-70 words. Users are willing and interested in reading more from your captions. The optimum length for Insta captions has actually increased over the last few years. Here are some basic guidelines to keep in mind when it comes to your Insta caption: How long should my Instagram captions be? When used properly, they can enhance your reach and get more eyes on your stellar posts. Ultimately, what makes a great Instagram caption will depend on your industry, target audience, and your brand identity, but one thing is certain for all businesses: hashtags bring benefits. Plus, we’re answering your Instagram caption questions and sharing captions examples so you can make posting on Instagram a breeze. ![]()
![]() Which means you will be able to control Nova by moving the mouse on the window created while pressing left click. Then, we will set an if statement: If the left click of the mouse is pressed while the cursor is on the window we created, Processing IDE will send the position of the mouse (according to the pixel coordinates of the window) to Nova. Offer is subject to change or cancellation at any time.For the draw() function, which is the equivalent of loop() function on Arduino IDE, we will start by defining the background colour of the window we are creating. Dont end the MoUSOCoreWorker process in Task Manager unless it seems to be stuck consuming large quantities of system resources, as its necessary for system updates. Its a component of Microsofts Unified Update Platform Microsoft. Walgreens Mobile App versions 39.0 or older are no longer supporting promotional coupons. MoUSOCoreWorker is a normal part of Windows. Discount does not apply to previous purchases, taxes or shipping charges. Void if transferred, reproduced or copied and where prohibited by law. Account product credits are applied first and cannot be combined with coupon codes or strike through sale pricing. Only one coupon code or strike through sale pricing discount can be applied per item. If ordering more than one item, up to three coupons or strike through sale discounts can be used in the online cart. Offer excludes Gift Packaging, Document Printing, Passport/ID Photos, Film Processing, Restoration Services and DVD Transfer services. Timing is determined by Walgreens server clock. Code must be entered at time of online, in-store photo kiosk, or mobile checkout to apply discount. Must use code ALLSUNNY to receive 50% off Everything Photo through a logged in registered /Photo online account, in store photo kiosk, or through the Walgreens Mobile App. Offer is subject to change or cancellation at any time. Walgreens Mobile App versions 39.0 or older are no longer supporting promotional coupons. ![]() Select products not available through the Walgreens Mobile App. Code must be entered at time of online, in-store photo kiosk, or mobile app checkout to apply discount. ![]() Must use code SPROUTCARD to receive 60% off All Photo Cards and Premium Stationery through a logged in registered /Photo online account, in store on photo kiosk, or through the Walgreens Mobile App. ![]() Offer discount is applicable to Custom Floating Frames, Canvas Prints, and Framed Matted Prints. Code must be entered at time of online, in-store photo kiosk or mobile checkout to apply discount. Must use code BIGSUN60 to receive 60% off Canvas Prints, Framed Matted Prints and Custom Floating Frames through a logged in registered /Photo online account, in store on the photo kiosk, or through the Walgreens Mobile App. ![]() 20-30% advancing from the rear to the front. I use a methodical leapfrog advance with the crossbowmen. A hundred odd crossbowmen and 30-40 swordsmen is usually quite doable for your first takedown. Convert your troops if necessary to create a tougher force. Can you cut back on peasants anywhere? Unneeded water pots, reduce farms, etc?įor attacking, crossbowmen and European swordsmen are the toughest troops, pikemen are next best if you need to dig some moats. Mangonels and ballistae are three sprites each, trebs four. Do you still really need any mangonels, ballistae or trebuchets you may have. Take a good hard look at your defenses to see where they can be reduced. I use crossbows only for defensive missile troops with maybe a few swordsmen or pikemen for last ditch keep defense. Since your troop count will be limited, make them the hardiest available. A few strategically placed towers will usually provide an adequate defense. I usually leave an open main approach to my keep with no gatehouse but will many times wall in the rest of my castle area, inviting the enemy to use the single main open approach. None of the missions require rush tactics or starve-outs to succeed, although many players resort to this. While it's great to assemble a massive army, you have to welcome the additional challenge of working with a smaller army. As each one is eliminated your limit will increase. So, in short, the more lords present the lower your sprite limit. Only when I killed a lord and his castle vaporized did my sprite count increase. ![]() Yet my sprite limit did not increase in the slightest. I provided a saved map with all castles intact and the lords under "house arrest", no enemy troops and very few peasants remaining. This was made very clear to me when doing a few walk-throughs recently for the trail missions. Only when one is killed will his sprites be released to be shared by the remaining players. Killing their troops will not increase your limit. You are given your portion and that's your limit until fewer lords exist. ![]() The sprite limit seems to be chopped up and apportioned out to you and the number of other lords existing on the map. But it's not one big free for all with the other lords. a shield is two, an occupied siege tower is 5, etc.), oxen, cows, deer, lions, camels, rabbits, chickens, jesters, drunks, etc., everything that moves. That means every peasant (working or not), every military unit (troops and siege machinery, ie. Within this sprite category is everything capable of independent motion (change of location) except birds. Whereas the sprite limit in the original Stronghold was 1500, Crusader's is 2500. ![]() ![]() Pregnancy is one aspect of The Sims 4 that has been affected heavily by mods, the best of which are mentioned below. The sheer number of mods that are available in The Sims 4 is truly impressive, and fans who might be getting bored of the vanilla experience can download a whole host of mods to make the gameplay more engaging than ever before. The Sims 4 also has an active modding community that can tweak and modify many aspects of the game with ease. The massive amount of DLC for this game ensures that players will enjoy a fresh gameplay loop every single time, and the possibilities don't end there. Can we utilize Sims 4 pregnancy cheats on PS4 and Xbox One The answer is yes It’s nevertheless important to understand that cheat codes differ between consoles. ![]() Now its not Im thinking this is an issue due to the recent patches. I went to type in the labor cheat (which I do for every pregnancy) and it usually works every time. With it, all of your relationships can be fruitful and babies can enter every household of your choice. My sims just got pregnant and I dont really want to wait 3 days. Despite launching with a dearth of content and gameplay options, the game has simply become better over time and is now easily one of the best games in the simulation genre that fans can check out. A mod by Agonistagent eliminates the rule that only aged females can get pregnant in The Sims 4. Updated April 11, 2023, by Ritwik Mitra: The Sims 4 is another great entry in this popular life simulation series. Here are a few essentials dedicated Simmers shouldn't miss out on. Players wanting to spice up their family gameplay should definitely grab a few of these pregnancy-enhancing mods for their next legacy or family playthrough. Thankfully, tons of modders have chipped in to create realistic mods that make the game a million times more immersive. RELATED: The Sims 4: How To Make Money (Without Resorting To Cheats) For those who want to build their families from the bottom up, it can get super repetitive and tedious to play with the same, predictable settings. And yet, pregnancy is such a crucial part of a game that essentially simulates life. If there's one gameplay aspect in The Sims 4 that EA seems to have ignored for too long, it's pregnancy. |