![]() The Monthly Payments : You can see the calculated monthly mortgage payment by clicking on the amortization schedule link under the second picture or table. If you notice that you made a mistake, you can always go back and correct it. The first key thing to note on the left side is a link to the elements that we initially populated. The left and the right side combined, have about four key things you need to note. The new screen has a left side and a right side to it. At this point, you will hit the the’Conitnue’ button and it will take you to a new screen.ĭave Ramsey Mortgage Calculator – Planning to Pay the Loan Off We captured an interest rate of 5% and the term of the loan was reflected as 14 years. We indicated that our repayments will start on 1 June 2022. In our example, we are showing that the loan has a balance of $150,000. Once you have all four elements completed, you will now be ready to run the first part of the Dave Ramsey mortgage calculator. If the interest is 3%, you will capture 3% here even though the APR may be 3.8%. The interest rate is not your Annual Percentage Rate (APR) or the total interest cost per year, but rather the interest rate that the bank offered when you obtained the loan. Interest Rate : Once you’ve captured this amount, the next element will be the interest rate. The Dave Ramsey mortgage calculator does not make provision for months, so you will need to capture the approximate number of years.įor example, if the tenure of your loan is 14 years and two months, you can rather approximate down to say 14 years to get a reasonable figure that does not underestimate the repayments. Loan Length : The next element to consider will be the total number of years. However, if this is an existing mortgage and you have captured the mortgage balance as previously stated, then the date to capture here will be the month from when you are looking to start with the payoff plan. Under this element, you have to capture the date from when your mortgage payments will start. What is a prepayment penalty ? A prepayment penalty is a penalty you will need to pay if you paid the loan earlier than the tenure allowed by the lender.ĭate of First Payment : The second element is the start date of the mortgage payments. ![]() This amount also excludes prepayment penalties. Remember the loan balance you capture here is not the future value of the loan, which will include all interest you will need to make, but the amount that you will pay to settle the loan. However, if you have an existing loan in place and you are trying to work out how you can pay it off quickly, the amount you need to enter under this element will be the remaining loan amount. The loan amount is essentially your mortgage loan. Loan Amount – The first element to consider is the loan amount. We will go over these four elements to help you understand the information required under each element: The elements have been designed to help you determine affordability which is essentially helping you to know how much monthly payments you can afford. The Dave Ramsey Mortgage Calculator has 4 key elements. ![]() Part of your plan cannot overlook a good mortgage calculator or a mortgage payoff calculator.Īs a professional accountant and auditor, I have had to look into many calculators to help those who are looking to either understand or pay off the biggest debt many may ever take on in their lives, and have found the Dave Ramsey Mortgage calculator to be one of the best.ĭave Ramsey Mortgage Calculator: Determining Affordability Retiring without mortgage repayments is easier than having mortgage repayments to make during retirement since more financial resources will need to be spent to handle retirement expenses.Īs with all monetary debt, one needs to put a plan in place and follow it diligently to pay it off. Mortgage debt not only forms the biggest monthly expense for many households, but it is a type of debt that most people try to tackle before they retire, given its ability to derail financial plans during retirement. Do not use the Dave Ramsey Mortgage Calculator until you have learned about how to use it to save money Background
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The fluid animation in the game makes it seem more realistic than most games. 2D Stick 5 game Anger of Graphics boasts cartoon graphics crafted exceptionally well. Since newer weapons are harder to obtain as you progress, it's necessary to keep rebuilding your arsenal. The single mode has 60 levels, while survival mode only contains 1 level. In the game Anger of Stick 5, players can choose between two modes. More specifically, this refers to increasing a weapon's Level through Experience Points earned by killing many zombies. Advertisement The game leveling up inside an RPG-style game allows the player to increase their weapons' effectiveness. Your allies keep an eye on you- which removes any stress. Working solo is inferior to this arrangement, which spares you the need to bother with back-related concerns. Selecting 3 of them in a singledeck grants even greater support for your cause. In Anger of Stick 5, you can enlist the aid of up to 6 allies when faced with a zombie threat. You can also equip weapons such as knives and guns to help you kill zombies faster in this game. You and your friends must work together to reverse this disaster and save humanity! In Anger of Stick 5, you play as a stickman hero capable of performing incredible martial arts moves and techniques. Many people were transformed into zombies and the entire human race was at risk of being extinct. The following is a list of these features: The game starts off with strange people suddenly appearing in the city turning people into lab animals. This game has many features, including being able to perform multiple tasks. In the game Anger of Stick 5, you play as a stickman that fights zombies. Stick 5 Anger's notable traits include a preference for fire. Additional information is provided below. Armed with the knowledge contained within this document, defeat zombie mobs that assail your position at the top. ![]() It's a game where you play as a stickman martial arts champion who is tasked with saving humanity from extinction by stopping the zombies from taking over the world. With this game you can play with stick figures during a zombie apocalypse and be a fan of both! Anyone who loves these two things will love this game! The epic zombie survival game Anger of Stick 5 has over 100 million downloads in the Google Play Store. These characters performed impressive martial arts maneuvers with ease. Click "Disable Movement Data and Daborate WLAN"! Comes with mobile phone housekeeper-traffic management-application network-find wild drag racing 8-turn off network permissions! If the mobile phone system cannot be found, please, and then prohibit this game from the network! This networking effectiveness only performs the effect when entering the game.Videos featuring stickman characters were very popular because they were based on a viral joke. Just open "Disable Movement Data and Daborate WLAN"! Open the mobile phone settings: Find "Application Settings", click "Application Management", find "Wild Data 8", and click "Network Management". At this time, you need to clean the data to download the (2.4G) packet! Open the mobile phone settings: Find "Application Management", click "Application List", find "Wild Data 8", and click "Traffic Use". Exit the game immediately, otherwise the account will be banned. Please watch the game download and download it. Uninstall the existing version, download this version, download it once, and then break the network to enter the game For the first time you enter the game, you need to download the data packet (no need to turn over the wall). ![]() ![]() Including a full map package, full data 2.7G 5. 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As for the rest, listed above, it is safe to say that nobody who really knows what they're doing with Macs and macOS will touch them. 3) I have used Northern Softworks' "Cache Cleaners" in the past (the latest being "Catalina Cache Cleaner," which I have not used) and their products are first rate. 2) OnyX, from Titanium Software, another excellent developer. TinkerTool System is a an exceptional piece of quality engineering, safe when used properly, and superbly documented, with in-depth tutorials for every option. :: BEGIN LIST: : Aooro : AppCleaner & Uninstaller : AutoTrash : AweCleaner : CCleaner : CleanGeeker : Clean Me : Cleaner One Pro : CleanMyMac X : Cocktail : Combo Cleaner : Disk Aid : Disk Cleaner : Disk Cleaner Pro : Disk Expert : Disk Health : DiskKeeper Advanced Cleaner : DiskKeeper Cleaner - Modern : DiskKeeper Pro : Disk Xray : Doctor Disk Cleaner : HD Cleaner : iMac Cleaner : MacBooster : Mac Cleaner : MacClean : MacClean360 : MacCleaner Pro : MacCleanse : MacEnizer : MacMaintenance : MacMaster : Mojave Cleaner : PowerMyMac : Pro Disk Cleaner : Quick Cleaner : Sensei : Stellar SpeedUpMac : TrashMe 3 : Washing Machine : WeCleanse : Wise Mac Care :: END LIST : :: The only system maintenance tools I recommend are 1) TinkerTool System, a true bargain priced at only $14 for a single license. And I apologize for the almost unreadable formatting, a severe limitation of MacUpdate itself, which compresses maximum text into minimum space, leaving no whitespace for readability. But if all you can come up with is 5 stars and a sentence or two saying that program X is great and I don't know what I'm talking about, please save your breath. I will rate all these programs with one star, probably one more than they deserve. If I have missed any programs that should be on the list, please leave a comment and let me know. The user is well-advised to read any program documentation and make a RELIABLE BACKUP before attempting any changes. For iPad users, we recommend adding our free Safari browser extension. Malwarebytes brings the anti-malware, ad blocking, filtering, & web security features you need to stay safe. ![]() Macs simply do not need "cleaning." (See for example: ) Some of these programs are notorious for being little more than malware. Download Malwarebytes - Mobile Security and enjoy it on your iPhone, iPad, and iPod touch. True experts in macOS maintenance advise against using any of them, because in general they serve little useful purpose and they can easily do more harm than good. Most of theĭevelopers' descriptions boast about what a great job they do, but the truth is, there are no good, comprehensive, head-to-head reviews of these programs by impartial 3rd parties. Many - probably the most accurate and honest - have negative reviews, by users who have been burned by them. Many have what look to be essentially fake 5-star reviews with no useful commentary. There are 42 in the list, and it seems like new entries in the 'Mac cleaner' market space pop up every day, metastasizing like a cancer. (I did a search for 'cleaner'.) If MacUpdate will let me, I intend to post this every time a new or updated version of one of these things shows up on this site. ![]() As a public service to the MacUpdate community, I've found as many of these "cleaner" apps on this website as I could and listed them them below. This is not a review per se, it is a discussion of the class of software to which this program belongs. ![]() Wait for the LCD to display **stop** and an IP address.Boot your dreambox while pressing the front button.Once the NFI file is downloaded on your PC : Links are within the Blue Rectangle text, starting with “ 05 September 2011 – Improved flash error correction” Then you know for sure your second stage boot loader version How to install a second stage boot loader ?ĭownload the right second stage boot loader NFI file from (be sure to select the right file, depending on your dream box model) OpenEmbedded Linux dm800 openpli 2.1 dm800 dm800 login: opkg list | grep secondstageĭreambox-secondstage - 84-r0 - Dreambox second stage bootloaderĭreambox-secondstage-dev - 84-r0 - Dreambox second stage bootloader ![]() Telnet to your dreambox (username is root, default password is dreambox – unless you changed it) and issue the following commands : Sebastiens-MacBook-Pro:~ sst$ telnet 192.168.0.96Įscape character is '^]'. How to check which second stage boot loader is installer ? This piece of software might be a full blown OS or a “second stage boot loader” which will allow you to select which OS to boot or to perform additional kernel tuning.At the time of this writing, latest Second Stage Boot Loader for Dreambox family is SSL 84 (and hacked version 84a and 84b have been created for Dreambox clones) This boot loader usually executes some low level hardware sanity checks then look for a piece of software at a designated place, such as sector 0 of your primary hard drive or sector zero of your flash memory disk. First an initial boot loader is executed from internal memory at startup time. ![]() Without going into all the glory details, you have to know that most computers (yes your Dreambox is a computer) use a two stages boot system. This is because Dream Multimedia GmBH released a new Second Stage Boot Loader and new firmware are relying on it for their boot sequence. You might have notice issues when upgrading to recent Dreambox firmware since last September. ![]() Each added electron occupies the subshell of lowest energy available (in the order shown in Figure 1), subject to the limitations imposed by the allowed quantum numbers according to the Pauli exclusion principle. This procedure is called the Aufbau principle, from the German word Aufbau (“to build up”). Beginning with hydrogen, and continuing across the periods of the periodic table, we add one proton at a time to the nucleus and one electron to the proper subshell until we have described the electron configurations of all the elements. To determine the electron configuration for any particular atom, we can “build” the structures in the order of atomic numbers. The diagram of an electron configuration specifies the subshell ( n and l value, with letter symbol) and superscript number of electrons. The notation 3 d 8 (read “three–d–eight”) indicates eight electrons in the d subshell ( l = 2) of the principal shell for which n = 3. A superscript number that designates the number of electrons in that particular subshell.įor example, 2 p 4 indicates four electrons in a p subshell ( l = 1) with a principal quantum number ( n) of 2.The letter that designates the orbital type (the subshell, l), and.The number of the principal quantum number, n,.We describe an electron configuration with a symbol that contains three pieces of information ( Figure 2): The arrangement of electrons in the orbitals of an atom is called the electron configuration of the atom. For small orbitals (1 s through 3 p), the increase in energy due to n is more significant than the increase due to l however, for larger orbitals the two trends are comparable and cannot be simply predicted. Electrons in orbitals that experience more shielding are less stabilized and thus higher in energy. This phenomenon is called shielding and will be discussed in more detail in the next section. Electrons that are closer to the nucleus slightly repel electrons that are farther out, offsetting the more dominant electron–nucleus attractions slightly (recall that all electrons have −1 charges, but nuclei have + Z charges). In any atom with two or more electrons, the repulsion between the electrons makes energies of subshells with different values of l differ so that the energy of the orbitals increases within a shell in the order s p > d > f. The energy of atomic orbitals increases as the principal quantum number, n, increases. | Key Concepts and Summary | Glossary | End of Section Exercises | Orbital Energies and Electron Configurations of Atoms | Aufbau Principle | Writing Orbital Diagrams | Core and Valence Electrons | Electron Configuration Exceptions | Apply the Aufbau principle to rationalize the structure of the periodic table.| Orbital Energies and Electron Configurations of Atoms | Write an electron configuration for an atom. We encountered this at the Epcot Food and Wine Festival the past few years at the Fry Basket booth, so I knew that this was a thing, but it was good to get more info from the manager. He confirmed that the malt flavor is a powder that does not contain gluten. The manager did come back to the table and discussed it with me, while they were remaking my meal so that I could have plain GF fries. I asked our server who removed them from the table and double-checked with the manager. When I got my entree, I did take a bite of the fries first and noticed a decidedly malt vinegar flavor to them. I asked for plain French fries, assuming that the malt fries were not safe, because malt contains gluten. ![]() The menu does indicate that this dish comes with malt vinegar fries. How cool is that? So, the recipe is the same across the board - which makes it great for everyone. The manager also told us that the fish and chips here are naturally gluten free and dairy free for everyone who dines at the restaurant. We will double-check this on a future visit and would encourage you to double-check/confirm especially if you have a dairy allergy or do not want to consume anything with cross-contamination. I assume that the chicken and fish may be fried in the same fryer. The fryer itself is a dedicated GF fryer, but the manager told us that the GF chicken strips did contain dairy (buttermilk). The manager told me that these were both gluten free and dairy free, though I realized after we got home that I had forgotten to ask about a shared fryer. So, I would say eat this all at the restaurant instead of taking any leftovers with you.įor my main entree, I ordered the Grouper Fish ‘n’ Chips. Side note, if you get this and take it home, it does not reheat very well, even with an air fryer. Brandon’s mom tried it and called it a "pleasant surprise.” The sauce was very flavorful, and I loved the addition of coarse sea salt on top of the pizza. Priced at nearly $19.95, this was a pretty pricey pizza, so I probably wouldn’t get it again unless I was really craving pizza, but I was glad that I tried it. I decided to try the GF Margherita Pizza. The manager also told us that they don’t currently have a dairy free/vegan cheese option. If you are on a low FODMAP diet or can’t have cauliflower like Brandon (it’s in the cabbage family of vegetables), then this would not be a safe option for you. We did learn that the pizza crust is a combination of gluten free flours and cauliflower. But, we were super curious about the GF pizza. With so many choices at the restaurant, it was hard to decide what to get. In terms of GF options, the manager said almost everything can be made GF with the exception of a few items, like the meatballs and crispy wontons. ![]() You’ll want to double-check when you dine at Summer House on the Lake, especially if you have any specific allergies or concerns with a potential shared fryer (like dairy). ![]() ![]() Rich also noted that they have three fryers - one strictly for the few gluten-filled items, one solely for French fries, and one for fried items like fish and chips. We learned that all special diets orders are cleared by the managers to ensure that meals are prepared safely for guests and orders also have allergy picks included. The manager, Rich, was super helpful and talked through the many questions that we had included asking about dedicated fryers for GF guests, ingredients, and cross-contamination. She then noted that they take special diets very seriously and that a manager was available to talk to us about options and protocols. On our visit, our server asked after greeting us if anyone had special dietary needs. |
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