These features are turned off by default on the mobile version to save screen space.Īmortization Tables: Clicking on the "show amortization tables" link reveals options to display monthly or yearly amortization tables & to compare monthly versus biweekly payments. Our site also publishes an in-depth glossary of industry-related terms here.Ĭharting: By default the desktop version of this calculator displays an amortization chart along with the ability to view a payment breakdown donut chart. Be aware that depending on build quality HOA fees can rise significantly 10 to 15 years after a structure is built, as any issues with build quality begin to emerge. ![]() They cover routine maintenance of the building along with structural issues. HOA: home owner's association dues are common in condos & other shared-property communities. Historically flood insurance has been heavily subsidized by the United States federal government, however in the recent home price recovery some low lying areas in Florida have not recovered as quickly as the rest of the market due in part to dramatically increasing flood insurance premiums. Typically earthquakes & floods are excluded due to the geographic concentration of damage which would often bankrupt local insurance providers. Homeowners insurance: most homeowner policies cover things like loss of use, personal property within the home, dwelling & structural damage & liability. FHA & VA loans have different down payment & loan insurance requirements which are reflected in their monthly payments. Some home buyers take out a second mortgage to use as part of their downpayment on the first loan to help bypass PMI requirements. PMI is only required on conventional mortgages if they have a Loan-to-value (LTV) above 80%. PMI: Property mortgage insurance policies insure the lender gets paid if the borrower does not repay the loan. If property tax is set above 20 the calculator presumes the amount entered is the annual assessment amount. If property tax is 20 or below the calculator treats it as an annual assessment percentage based on the home's price. ![]() Real estate portals like Zillow, Trulia,, Redfin, & Movoto list current & historical property tax payments on many properties. One can't simply look at the old property tax payment on a home to determine what they will be on a forward basis, as the assessed value of the home & the effective rate may change over time. Those who rent ultimately pay this expense as part of their rent as it is reflected in their rental price. Property Tax: this is the local rate home owners are charged to pay for various municipal expenses. Extra payments applied directly to the principal early in the loan term can save many years off the life of the loan. If a home buyer opts for a 30-year loan, most of their early payments will go toward interest on the loan. The 30-year fixed-rate loan is the most common term in the United States, but as the economy has went through more frequent booms & busts this century it can make sense to purchase a smaller home with a 15-year mortgage. Loan Term: the number of years the loan is scheduled to be paid over. For your convenience we also publish current local mortgage rates. ![]() This calculator can help home buyers figure out if it makes sense to buy points to lower their rate of interest. If the buyer believes interest rates will fall or plans on moving in a few years then points are a less compelling option. In general discount points are a better value if the borrower intends to live in the home for an extended period of time & they expect interest rates to rise. In some cases a borrower may want to pay points to lower the effective interest rate. Interest Rate: this is the quoted APR a bank charges the borrower. If the loan amount is above 80% of the appraisal then PMI is required until the loan is paid off enough to where the Loan-to-value (LTV) is below 80%. Loan Amount: the amount a borrower is borrowing against the home. This is used in part to determine if property mortgage insurance (PMI) is needed. Home Value: the appraised value of a home.
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![]() ![]() Da L.E.S Gigi Lamayne Yanga Chief Shane Eagle and Nicole ‘Nikki’ Swartz Fifi Cooper DJ Speedsta Mayo hitmaker, Hip Hop culturalist and broadcaster DJ Speedsta, and Motswako First Lady, Fifi Cooper add their names to the reality star cast that will be part of the 13-episode tale of the cast’s love lives, personal struggles, industry goals, achievements as well as their deepest temptations. Adding some sizzle to the mix is Shane Eagle, who will not only give us a glimpse into how he became a South African Music Award winner for Best Hip Hop Album in 2018, but also some saucy secrets to maintaining a 12 yearlong romance with artist and model Nicole ‘Nikki’ Swartz. Leading the cast are Mzansi’s Hip Hop recording artist and record producer Da L.E.S aka, ‘The North God’, award winning Hip Hop star Gigi Lamayne and Utatakho hit-maker Yanga Chief (previously signed to Da L.E.S’ record label F2D, leaving under questionable circumstances), is no stranger to the MTV stable after ranking third on MTV Base Hottest MC in 2019. ![]() The cast features a mixed bag of local hip-hop stars The local adaptation of the globally recognised reality show franchise will hold nothing back to bring the 411 on the latest in entertainment, and industry beef and drama. This time, South African artists are in the spotlight with Love & Hip Hop SA set to premiere 27 February on MTV Africa, DStv Channel 130 at 21:30 PM CAT. Known for showcasing Hip Hop stardom juggling their careers, relationships and family dynamics, the global Hip Hop reality show features some of the most prominent Hip Hop artists as they unveil the ins and outs of the music industry. MTV Africa will unveil the lives of some of South Africa’s favourite Hip hop artists with the launch of Love & Hip Hop South Africa (SA) this Valentines’ month. ![]() ![]() KEEN UTILITY MEN’S DETROIT MID STEEL TOE WORKĪs a brand Keen is well knowing in the industry and have a reputation for continuing to make high quality accessories. Key Features:Ĭomfortable design with wide options available They also have excellent ankle support and support your foot arches well for a comfortable day at work. They also have excellent grip which depending on the surface that you’re working on, can help prevent slips and falls. The Timberland PRO Men’s Barstow Wedge Work have a strong build meaning that they won’t need to be replaced in a short period of time. These boots can respond to the safety requirements of working on metal roofs, for gutter installers and any other roofing industry task that you might throw at them. The Timberland PRO Men’s Barstow Wedges are an excellent choice for roofers. TIMBERLAND PRO MEN’S BARSTOW WEDGE WORK FOOTWEAR Removable Ultimate Shock Absorption footbed.Ĭonstruction: Goodyear storm welt protection. Overall these make an excellent choice of shoe that we would highly recommend purchasing, it’s hard to improve upon this tried and tested design. These have long been the choice of roofers and other workmen in need of protection and comfort. They feel fantastic and the outer soles are designed for safety for tasks like climbing ladders or working on uneven surfaces. The Thorogood Men’s American Heritage 6″ Moc Toe Boot may be the perfect choice, achieving a balance between comfort, safety and value for money. Below are the top footwear that we tested: THOROGOOD MEN’S AMERICAN HERITAGE 6″ MOC TOE BOOT We’re glad that you asked! It’s worth considering other roofing footwear to protect youon a steep incline roof. What alternatives are then to Cougar Paws boots? So if you’re regularly climbing surfaces with a steep incline they may be worth the price for you, particularly if you’re a professional roofer regularly walking on a roof and you need something that’s going to offer durability. These roofing shoes deliver a number of useful safety features that can help protect roofers on slippery surfaces. You can skip to this section Cougar Paws alternative section by clicking HERE. These models all come at considerable cost, so later in this article we look at good (maybe better!) alternatives. The Cougar Paws Steel Worker – Starting at around $230 Originally designed by Dan Cougar, there are four models of Cougar Paws on the market, with the first model below being the flagship model: In this article we look at the details, figure out if their worth the cost and what alternatives are out there on the market.Ĭougar Paws roofing boots – What are your options? Worth it? Cougar Paws Roofing Shoes ReviewedĬougar Paws are specifically designed for roofing tasks but they come at a hefty price. 1.3 What pitch are Cougar Paws good for.1.2.6 WOLVERINE MEN’S OVERPASS 6″ COMPOSITE TOE BOOT.1.2.5 RED WING HERITAGE 6-INCH ROUND TOE BOOT.1.2.4 IRISH SETTER MEN’S 6″ 83605 WORK BOOT.1.2.3 KEEN UTILITY MEN’S DETROIT MID STEEL TOE WORK.1.2.2 TIMBERLAND PRO MEN’S BARSTOW WEDGE WORK FOOTWEAR.1.2.1 THOROGOOD MEN’S AMERICAN HERITAGE 6″ MOC TOE BOOT.1.2 What alternatives are then to Cougar Paws boots?.1 Worth it? Cougar Paws Roofing Shoes Reviewed. ![]() I'm thinking there will probably be at least a little bit more variety in the styles that they haven't shown yet in the trailer/promo pics - I know it won't be exactly like its spiritual prequels, but visually distinct styles were a pretty crucial part of the gameplay of the Style Savvy titles. What do you guys think of the fashion in the trailer? What do you think the gameplay will be like without the boutique? While we're waiting for the release, we might as well talk about our expectations! I think they could have gotten away with bringing back some of the older styles, since 90s and 2000s fashion is trendy (at least here in the US), but we'll have to wait for more details to see if they did. I really prefer 2000s silhouettes and layering over modern ones. They were so fun, colorful, and distinct. I'm definitely going to miss the old clothes. There are definitely hints of the old styles in the trailer, just very toned down with more modern silhouettes. Like clothes you would see in Larme magazine. Just like how the styles in the old games were influenced by trendy styles in the 2000s-2010s (the Retro and Pop tastes being influenced by Decora and Pop Kei, Bold and Flirty > Gyaru, Edgy > Visual Kei), I recognized the clothing in the trailer as styles that are trendy in Japan right now. What we can see so far definitely doesn't look as lively or unique as the styles in the previous games, but I think the developers made a decision to keep the clothing very realistic. I've also been seeing people say that the clothes in the game look boring or underwhelming. This was just the reveal trailer, so I'm sure there are more features to be revealed. From what we can see, there's not much of a storyline but I feel like there definitely has to be one. I know some people are worried about not having a boutique to run, and I'm a bit worried about that too, but in the trailer it seems like we'll just be running around styling people instead of them coming to us. ![]() When it comes to actual gameplay, there's not much we can get from the trailer. This sub is new and still developing an identity so if you have a post idea and aren't sure if it fits, reach out to the moderators.After calming down a bit from the initial excitement of FINALLY getting a Switch installment of a Style Savvy game/successor, I've been thinking about what the game is actually going to be like. Share style pics, good-natured satire, and discussion topics. Use this sub to celebrate femme, feminine, and androgynous fashion. Old Hag Fashion is feminist body positive trans, queer, and gender inclusive accepting of all races, ethnicities, religions, and places of origin. "If you come out and look the way you want to look, you will create a mood before you even open your mouth." -Nina Simone It’s the fat and fabulous trans person who knows they look damn cute in their skin-tight crop top. It’s the disabled femme making sure you know their wheelchair is a haute accessory. It’s the 80-year-old woman who can out walk you in high-heels. It breaks rules in silly, interesting, or political ways. It’s practical and impractical serious and ostentatious high-end and discount bin glamour and camp.Īnyone can embody Old Hag Fashion, though some people naturally embody it just by daring to be confident and stylish in the body they have. ![]() It is the joyous, confident, unapologetic embrace of fashion as a form of self-expression. Adguard will make sure you are protected against any phishing attempts, annoying pop-ups, and intrusive ads. In such perilous times, one should grab all the help and assistance that is available. Online threats are increasing, and your privacy could easily be under scrutiny. From general, app-behavior settings, to much more sophisticated network-tied adjustments such as DNS, Network and Browsing Security, this app manages to offer plenty of options and ways to reach the same goal a cleaner, safer, and faster computer.Īdguard is definitely a piece of the security puzzle you should have completed by now. You might be inclined to believe that there are few options to adjust, but you'd probably find how wrong you were in the first place. The lower side of the main window will keep track of blocked ads, trackers, and threats, sort of like you would in a football match, maybe. A pretty hefty button in the center of the app screen will let you know if you are protected or not. The app itself tends to embrace a rather simplistic look. It cleans websites of dangerous attempts to gather sensitive data, increases privacy and also performance due to less time needed to load your virtual environment. Select type: - Select type - Windows (Final) Microsoft Office TechNet Evaluation Center. AdGuard for Windows is more than an ad blocker. ![]() I-AdGuard DNS isebenza ngokuqondisa ikhompuyutha. AdGuard not working on Windows 10 issue Ive been using AdGuard extention from the windows store since 2018 and then today i turned my pc on after cleaning it and went on Microsoft edge and went to youtube and it was playing ads. This application is an adware and pop-up blocker. I-AdGuard DNS Kuyisevisi ye-DNS esetshenziselwa ukuvimba izikhangiso, ukulandelela, namawebhusayithi anonya. Luckily, Adguard can provide the extra coverage you need, giving you the opportunity to browse the web with little to no interruption. Editors note: This is a review of the trial version of Adguard 5.10. ![]() Reinstalling your OS can be the price you pay for neglecting this mildly dangerous threat. Download Adguard for Windows for Windows to block pop-ups. You want to avoid these elements in order to not end up with a defective machine on your hands. Even though individuals don't tend to treat adware and pop-ups with the same caution as viruses, the idea is almost the same. Adguard can block all kinds of ads, buy Adguard - 1 Device - Lifetime at lowest price now for instant access at for fast and secure downloads. ![]() ![]() ![]() No doubt the decision to stream "Wonder Woman 1984" played a big part in this and the release of "Babylon 5" is only going to benefit it further.įollow Scott Snowden on Twitter. subscribers as disclosed by AT&T in its first quarter earnings report on Wednesday. 2.3K Share 50K views 1 year ago Busy with a few things this week so as a supplement to my Babylon 5 retrospectives, here are the best of Babylon 5 bloopers. The Verge reports that HBO Max has nearly 40 million U.S. Meanwhile, the streaming channel has reportedly hit its subscriber goal two years ahead of schedule. Check with your service provider because if you already subscribe to HBO, then it's quite possible HBO Max is free to watch. Details such as an articulated fighter pilot in the cockpit of a starfury is an example of the level of detail that exists on BABYLON 5. However, the studio declined to comment about if this would lead to a Blu-ray release, but this seems unlikely. BABYLON 5’s SPECIAL FX How to create explosive scenes painted onto the polygons that make up the framework of the station. Then there's the connection between "Babylon 5" and " Star Trek: Deep Space Nine," but you can read all about that here.Īccording to Engadget, the remastering process took around six years to complete and was a "labor of love" for all involved. "Babylon 5" is one of the best science fiction shows ever written for television and happily sits atop its throne in the Sci-Fi Hall of Fame along with Ron D Moore's "Battlestar Galactica," " The Expanse" and "Star Trek: The Original Series." ![]() The lima bean is the national symbol of Peru and is traditionally associated with agriculture. However, they can also be found in North America, Europe, and Asia. Lima beans are most commonly grown in South America, specifically in Peru and Brazil. Instead of planting the beans with beets, carrots, or onions, use them with them. Pole lima beans can be grown in conjunction with a variety of summer savory plants, including corn, sunflowers, and scarlet runner beans. With companion planting, bush lima beans can be grown with celery, cucumbers, maize, summer savory, and potatoes. When the pod changes color, the beans inside plump up, but the seeds and pods dry out before they can be shelled. Harvest lima beans at the shelled or dry stages. Harvesting Your Lima Beans The timing of your bean variety‘s harvest varies from 60 to 90 days, so keep your fingers crossed. Because they are so thin, baby limas cook quickly, producing sweet, rich flavors and creamy texture. This bean measures 1/2 inch in length and has a faint sea shell pattern radiating from its inner seam. This is a dwarf variety of the Lima bean. ![]() Mature lima beans are adaptable and can be used in a variety of dishes, including stews, soups, and pasta dishes. After the pods have turned yellow and the beans have plumped, lima beans that have been shelled can be harvested. Baby lima beans and mature dry beans are both good choices for harvesting early in their seasons. It is possible to harvest Lima beans at the shelled stage or at the dry stage. Some lima beans require trellising, whereas others do not, and are best grown under controlled conditions. The differences between a Lima bean and a common bean are similar, but Lima beans grow more slowly. Lima beans can be eaten fresh, canned, or frozen. The beans are ready to harvest when they are big and plump and the pods are dry and papery. Lima beans are climbing plants and need something to climb on, like a trellis or fence. The plants need full sun and well-drained soil. Lima beans are planted in the spring and mature in about 80 to 100 days. Lima beans are native to Central and South America but are now grown in many warm climates around the world. The scientific name for the lima bean is Phaseolus lunatus. Lima beans are a type of legume that is often eaten as a vegetable. ![]() ![]() Unless otherwise stated, original shipping fees for change of mind returns are not refunded. ![]() Office Products and Wireless Returns Policy Please see our Amazon Global Store Returns policy and Refunds policy for more information about returning Amazon Global Store items.Ĭamera, Electronics and PC Returns Policy Please see About Store Returns & Refunds for details on Seller returns policies. To return faulty items see our Returning Faulty Items policy.įor items ordered on from a seller that fulfils and ships its own inventory (also called a third-party seller), any returns will be in accordance with the returns policy set by that seller (not the Amazon AU returns policies). This change of mind return policy is in addition to, and does not affect your rights under, the Australian Consumer Law, including any rights you may have in respect of faulty items. Please Contact Us and see About Items That Can’t Be Returned. In some circumstances, these items may be eligible for a refund or a replacement (for example, if you receive the wrong item due to an Amazon AU error or if the item is faulty). In some cases, the nature of the item means that it is non-returnable, for example, due to the hygiene/health and personal care/wellness/consumable nature of the product. Fun & easy to learn checkers board game for adults or kids. Traditional Chinese checkers star shaped playing area with a unique hexagonal game board. Actual marble colors may vary from the images shown. You can return most new, unopened items fulfilled by Amazon AU within 30 days of receipt of delivery for a replacement or full refund of the price you paid for the item if you change your mind-see About Replacements and About Refunds. This Chinese checkers board game with marbles has smooth glass petal-style marbles. ![]() Arrowhead needs to incentivize players to join lobbies before the drop so difficulty is more manageable.ģ) The maps and objectives in Helldivers were the weakest components. Starting a level 12 planet by yourself and praying to God people jump in ASAP, makes things way too hard. ![]() Starting a level 5 planet by yourself, and then having 3 people jump in, makes things way too easy. Reward players by playing the game rather than mindlessly running around the map.Ģ) The game needs proper matchmaking. I've since played 21 hours of Helldivers, and here are my 10 orders.ġ) Grabbing samples to upgrade, rather than accomplishing objectives, makes no sense. Since 2015, Arrowhead has staffed up to ~100 employees and Sony has given them a ton of time to create a much more successful sequel. They were a small team back in 2015 and the game still has a tiny but dedicated fanbase. Helldivers was likely a moderate success for Arrowhead Studios. Join over 2,000 other Helldivers in our Discord! Again, this isn't going to be enforced heavy-handedly, it's not like a single off-topic rant is bannable, but if you start spamming links to cash-for-click sites or whatever, you will get banned. This includes affiliate links and unrelated content. While we won't ban negative comments and so forth, if you have a repeated history of making caustic remarks for the sole purpose of being confrontational, we won't hesitate to ban - regardless of how monolithic you think you are in the community. We're not enforcing this rule as a form of censorship, we're enforcing this because subreddits tend to get lots of new players, and the last thing we as a community should do is make people tuck tail and run. Clearly jokes and stuff are fine, but if you're harassing someone, that's not cool. ![]() Other than that, have fun, and be excellent to each other! We're really passionate about the game, so we ask that posts in this subreddit be relevant to Helldivers - other content should go on /r/gaming or /r/games. This is an unofficial subreddit for Helldivers. ![]() The inventory turnover formula is also known as the inventory turnover ratio and the stock turnover ratio. Inventory Turnover: What Is the Inventory Turnover Formula? The 5 turns figure is then divided into 365 days to arrive at 73 days of inventory on hand. Total inventory turnover is calculated as: The related information is $8,150,000 of cost of goods sold in the past year, and ending inventory of $1,630,000. The Hegemony Toy Company is reviewing its inventory levels. If standard costing is used, the standard cost applied to an inventory item may diverge from its actual cost. The method for allocating overhead to inventory may change, such as from using direct labor hours as the basis of allocation to using machine hours used. For example, some items that were charged to expense as incurred are now allocated. The contents of the cost pools from which overhead costs are allocated to inventory may be altered. There are several ways in which the inventory turnover figure can be skewed. Problems with the Inventory Turnover Formula This is known as the inventory turnover period. Thus, a turnover rate of 4.0 becomes 91 days of inventory. You can also divide the result of the inventory turnover calculation into 365 days to arrive at days of inventory on hand, which may be a more understandable figure. The formula is:Īnnual cost of goods sold ÷ Inventory = Inventory turnoverĪ more refined measurement is to exclude direct labor and overhead from the annual cost of goods sold in the numerator of the formula, thereby concentrating attention on just the cost of materials. If the ending inventory figure is not a representative number, then use an average figure instead, such as the average of the beginning and ending inventory balances. To calculate inventory turnover, divide the ending inventory figure into the annualized cost of sales. The latter scenario is most likely when the amount of debt is unusually high and there are few cash reserves. However, it may also mean that a business does not have the cash reserves to maintain normal inventory levels, and so is turning away prospective sales. When there is a high rate of inventory turnover, this implies that the purchasing function is tightly managed. In both cases, there is a high risk of inventory aging, in which case it becomes obsolete and has little residual value. When there is a low rate of inventory turnover, this implies that a business may have a flawed purchasing system that bought too many goods, or that stocks were increased in anticipation of sales that did not occur. Doing so can substantially increase the investment in inventory. The purchasing manager may advocate purchasing in bulk to obtain volume purchase discounts. A pull system that only manufactures on demand requires much less inventory than a "push" system that manufactures based on estimated demand. The inventory accounting method used, combined with changes in prices paid for inventory, can result in significant swings in the reported amount of inventory.įlow method used. ![]() Some portion of the inventory may be out-of-date and so cannot be sold.Ĭost accounting. Inventory may be built up in advance of a seasonal selling season. The following issues can impact the amount of inventory turnover: It can be used to see if a business has an excessive inventory investment in comparison to its sales, which can indicate either unexpectedly low sales or poor inventory planning. The inventory turnover formula measures the rate at which inventory is used over a measurement period. |
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