11/5/2023 0 Comments Passenger band for life![]() American Airlines bans passenger for life after flight attendant injuredĪn American Airlines flight from New York to Orange County, California, was forced to divert to Denver Wednesday after the airline says a passenger "physically assaulted" a female flight attendant. ![]() Subscribe to the newsletter here or text messages here. The Short List is a snappy USA TODAY news roundup. It's Thursday, so here's all the news you need to know.īut first, have you seen a ghost? □ 1 in 5 Americans say they have seen one, a very spooky survey found. And a new DNA technique proved a man's relation to Sitting Bull. The Justice Department reached an $88 million settlement with Charleston church shooting victims. Additional information is available at /car-seat and /equipment.American Airlines permanently banned a passenger after a flight attendant was injured. To learn more about DHEC’s child passenger safety information and resources, including how to become a certified Child Passenger Safety Technician, visit /carseats. To find a site near you and to schedule an appointment, visit the DHEC website. At these sites, CPS technicians ensure car-seats are safely installed and help parents and caregivers learn how to properly install a car-seat at no cost. South Carolina has more than 145 car-seat inspection stations in the state. “We encourage all caregivers to take advantage of our inspection stations that are often located at your local fire or police station.” "The South Carolina car seat misuse rate is currently 68% according to our data,” said Samone Howard, program assistant for DHEC's Child Passenger Safety Program. Booster seats can reduce the risk of nonfatal injuries by 45% among four-to eight-year-old children when compared to using only the seat belt alone. If a seat belt and car seat is used correctly, it can reduce the risk of a fatal injury by 71% among infants and 54% among toddlers. The number of motor vehicle deaths includes collisions that involved new teen drivers, vehicles that hit pedestrians or bicyclists and children who were not properly restrained in the vehicle. With the help of CPS technicians, we can help those caregivers go the extra mile for safety.”Īccording to DHEC’s Vital Statistics division, there were 1,221 motor vehicle fatalities in South Carolina in 2021, including 64 children under the age of 18. “After attending car seat check events, I truly understood that parents and caregivers want the best for their children. “Going through the course, you’re taught how to properly restrain children in car seats based upon the specific needs of the child, the car seat and the car. “While attending the CPS technician certification course, my eyes were opened to the complexity of car seat installation and safety,” said Abby Jackson, a recently certified Child Passenger Safety (CPS) technician. At the car seat check events there will be a Child Passenger Safety (CPS) technician available to help parents and caregivers ensure their car seat is properly installed and used correctly for the child’s age, height and weight. 17, the Division of Injury and Substance Abuse Prevention (DISAP) at the South Carolina Department of Health and Environmental Control (DHEC) reminds caregivers how important it is to correctly use child safety seats to protect children while traveling in vehicles.Īn average of 3 children were killed and an estimated 445 children were injured every day in traffic crashes in the United States in 2021, according to the latest data from the National Highway Traffic Safety Administration (NHTSA).Of the children that died while riding in a motor vehicle, at least 42% were not properly restrained by car-seat or seatbelt.ĭuring Child Passenger Safety Week, DHEC will host educational events across the state to promote the proper use of car safety seats for children. ![]() With the start of Child Passenger Safety Week (Sept.
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11/5/2023 0 Comments Plex media server raspberry pi![]() Once downloaded, it should appear in your Plex library. As long as you are using same account, it should just work.Īdd a torrent to the Vuetorrent dashboard. You can use it to pair it with your Raspberry Pi server. In the top right corner set the port to your Vuetorrent port which should be 80.If you have skipped password setup, please do it, otherwise malicious users or automated bots could hijack your device. Backup the folders: Media, Metadata, Plug-in. Step 5 (optional): Expose it to the internet so you can connect from anywhereĪt this step we will enable remote access via HTTPS to our Vuetorrent installation on the RaspberryPi. Transfer Plex Library from Windows to Raspberry Pi (Raspbian) Go to LOCALAPPDATAPlex Media Server on Windows. For both Films and TV Shows the media path should be /media/downloads: To see whatever you have downloaded via Vuetorrent to your local machine in Plex. You can login into it using port DEVICE IP}:32400 Once logged in, go into settings and configure the UI theme: Initial username is admin and password is adminadmin. Once started, you can access it on DEVICE IP}:80 address. Once device is visible, click on the 'edit labels' from the menu. This will download, install and initialize the synpse agent. Use the command in your RaspberryPi terminal. ![]() Log into your Synpse account, navigate to the 'Devices' section and then click on 'Provision'. Once deployed, it will take a few seconds or minutes (depending on your internet speed) to download and start the docker containers. Step 2: Install Synpse agent on your device. Plex - probably the best option to stream things locally to your smart TV.ĭepending on your RaspberryPi OS Docker installation might vary but in most cases this script from should do the job:Įnter fullscreen mode Exit fullscreen mode.Vuetorrent - Vuetorrent is a nice looking skin for otherwise a bit dated qbittorrent.Synpse - provides app deployment, SSH and HTTPS access.Optional public HTTPS URL to connect to Vuetorrent from anywhere in a form ID}.synpse.cloud.Shared directory between torrent client container and Plex so you can view them.You can select individual files from a larger torrent like in any other client. Drag & drop torrent files to download them. ![]() Using this installation method you will get few great things out of the box: In this short tutorial we will setup a Vuetorrent and Plex combo on a RaspberryPi. ![]() Then, once everyone has those videos that were supposed to die together with the old technology we also need to watch them, this is where the good guy Plex comes in. Thank you for reading this post on How to install Plex Media Server on Raspberry Pi.I guess we all know that torrents present a fantastic opportunity (amongst other things) for families to digitize their old VHS tapes that contain embarrassing videos of your childhood and then share these videos with others using an efficient BitTorrent protocol. You can then create library and add some movies, videos or music to your collection. You can use your Google account to sign in. You need to sign in with your PLEX account or sign up a new one. Navigate to the Server menu tab, select Remote Access. First, though, you should allow remote access to your new media server (found in the settings). As long as you have synchronized some photos, videos, or songs with the Plex Server, you can begin streaming. If that's still not enough, just do 'journalctl -xe' which will give you the last 50 lines or so from the journal. Step 8: Connect to the Raspberry Pi Plex Center. Also, if that's still not working, check the journal (logs) with 'journalctl -xe grep plex' to try and get more information. You should see the following window opened in your web browser Here's mine: Obviously change the PLEXMEDIASERVERUSER to pi. Output example: $ ip addr 1: lo: mtu 65536 qdisc noqueue state UNKNOWN group default qlen 1 link/loopback 00:00:00:00:00:00 brd 00:00:00:00:00:00 inet 127.0.0.1/8 scope host lo valid_lft forever preferred_lft forever inet6 ::1/128 scope host valid_lft forever preferred_lft forever 2: eth0: mtu 1500 qdisc pfifo_fast state UP group default qlen 1000 link/ether b8:27:eb:8f:67:a1 brd ff:ff:ff:ff:ff:ff inet 192.168.100.14/24 brd 192.168.100.255 scope global eth0 valid_lft forever preferred_lft forever inet6 fe80::487d:6b63:fb10:badb/64 scope link valid_lft forever preferred_lft forever You can get your Raspberry IP address with this command ip addr Open a web browser, and then type your Raspberry IP address with the following format:Ĭhange the IP address with your actual Raspberry IP address. Press Ctrl+X to initiate closing the file, and press Y for yes to overwrite the existing file and save your changes. Finalizing the installationīasically, your server is ready. Now restart the service sudo systemctl restart plexmediaserver Step 5. 11/5/2023 0 Comments Federal deficit by yearThis year will likely be added to that list. And it skyrocketed again during the crises that bookended the 2010s: the mortgage crisis and the COVID-19 pandemic. The budget deficit doubled between 20 thanks to a recession and as the War on Terror kicked off. Deficits surged in the late 1970s and early 1980s thanks to high inflation and a series of recessions. The post How the Federal Budget Deficit Doubled in a Single Year appeared first on 's not totally unprecedented to see the federal budget deficit double from one year to the next, as it seems to have done this year.īut those occasions, at least in the past 50 years, have always corresponded with bad stuff happening to the national economy. They are structural problems-either as so-called "mandatory spending" or as a function of the borrowing the government has already done-that will continue to mount until they are meaningfully addressed. The big difference, then, between this year and 2002 (or 1977 or any of the few other times in recent history when the deficit has doubled) is that the drivers of this year's shocking deficit growth are not temporary problems. "We are becoming numb to these huge numbers, but it doesn't make them any less dangerous," said Maya MacGuineas, president of the Committee for a Responsible Federal Budget, in a statement last week. The federal government has borrowed $1 trillion since June 15. The current pace of borrowing is staggering. Over the next decade, the federal government will spend $10.6 trillion just to pay the interest on borrowing that's already occurred or is planned-and that total could go up if the federal government has to respond to an unexpected crisis or if lawmakers vote for higher levels of borrowing in future budgets. The rising cost to service the national debt, meanwhile, is a feedback loop created by the other poor decisions and compounded by higher interest rates. Again, they've done nothing about that looming problem. They've also known that as the country ages and, in particular, as the Baby Boomer generation grows old, those programs would be strained. Lawmakers have known that for a long time, and have chosen to do nothing about it. The two big federal entitlement programs are both on a trajectory toward insolvency. That's not the case for the other three categories driving this year's deficit, all of which are going to keep getting worse for the foreseeable future. That's likely a blip and not a long-term problem-federal tax revenue was unexpectedly high a year ago, and bigger swings in annual revenue tallies seem to be becoming more common, as The Wall Street Journal explained in May. The fourth category is falling federal income tax revenue, which is responsible for about $171 billion of the added deficit this year versus last. As Axios points out, those three categories added more than $390 billion to the deficit relative to last year-a tremendous jump in a single year. The drivers of this year's rising deficit are four-fold, and three of them are the result of decades of poor policymaking: rising interest costs on the $33 trillion national debt, higher Social Security outlays, and more Medicare spending. America does not seem to be in a crisis at the moment, but the government's balance sheet certainly is.Īnd it is that way, in large part, because of the government's own programs-as opposed to, say, an external event like a pandemic or a mortgage crisis. ![]() Unemployment is low, the economy has been growing steadily, and inflation has significantly abated. At first blush, that might not appear to double last year's budget deficit of about $1.4 trillion, but keep in mind that last year's total included roughly $400 billion for President Joe Biden's student loan forgiveness plan-funds that were never spent because the Supreme Court struck down the proposal, as the CBO notes.Ĭompared to those other historical examples, however, this year seems like an outlier. 11/5/2023 0 Comments Loopy hd example![]() After "A Pretty Hair Pin", she wears a flower hair clip. She started to say "Nice to meet you!", along with her friends, by introducing their new friend, Crong. ![]() When Pororo was running from Crong, Loopy, along with Eddy and Poby, say hello to Pororo, and started to go with them, and fell down to a mountain. In We're friends!, She first appears with Eddy, watching Poby go down the slide. In the first seven episodes of Season 3, she wore a pink and white dress with a pink bow, and she starts to wear a pink sailor dress and a flower barrette on her head starting with Mighty Harry, and she wore the same outfit in Season 4, Season 5, Season 6, and Season 1 (HD) (as well as for Season 2 (HD)). In Season 2, she wears a simple pink hair clip for the first 9 episodes of this season, and later, for the next 43 episodes, a flower hair clip. In the first season, she does not wear any clothing. She also doesn't like it when Pororo, Eddy and Poby are trying to "win Petty's heart" and she says that they are all acting strange. For example, when Pororo threw a big snowball at her, when she is being called " a slowpoke" by Pororo and when she needs to face her fear of heights. She also doesn’t like it when people fight. She always goes to Pororo's house and brings him some desserts, and in Season 3, her made-up tale indicates that Pororo will marry her but Pororo denies because he wants to marry Petty. She has a crush on Eddy and also admires Pororo the most. Loopy is jealous of Petty's beauty, and that she's good at everything (except for cooking) and that everyone likes her. Pororo and Eddy were always tying for her attention until Petty becomes introduced later. She is also horrible at sports and pretty much everything else. She enjoys cooking she is especially fond of baking cakes and pies for her friends. Loopy lives in a hollowed out log and often invites visitors over. She is very shy, sensitive, and sometimes she can be a little princessy. ![]() Loopy is a pretty, cute, young female beaver who is often the voice of reason in the show. She stars a spin-off called Loopy, the Cooking Princess, as the main protagonist. Loopy (Korean: 루피 ) is a major character in Pororo the Little Penguin, first appearing in We're friends!. Y and his robots, Captain Dark and his crew, Shark (sometimes) Pororo, Crong, Loopy, Eddy, Poby, Petty, Harry, Rody, Tong Tong, Popo and Pipi, Tu-tu, The Dragon, The Aliens, Shark (sometimes), The Yeti, The Yeti's minions, Fuzzy Wuzzy, Elephant, Monkeys, Nyao, Clock, Winter Witch, The Princess of the Cookie Castle, Duke, The King of the Cookie Castle, Santa Claus, The Cookie Castle Guards and Royal Service, Chocolate Makers, Racers, Toto and Mango, Captain Silver, the Princess from the video game, Arlo, dinosaurs, Captain Silver and his crew, Snow Fairy Village CitizensĬount Chocolato, Winter Witch (formerly), Candy Makers, Fufu, Brown Bear, Bears, The Yeti (formerly), The Yeti's minions (formerly), Pig Pirate Captain, Pig Pirates, Devil Spider, Lava Monster and his skeleton dinosaurs, Mr. 11/5/2023 0 Comments Pokemon unite db tsareenaX Speed gives Talonflame a consistent source of a movement speed buff for repositioning. Focus Band gives you the extra sturdiness and heals you when your HP gets low enough, ensuring better survivability after a successful setup. Muscle Band and Scope Lens are staple damaged items, giving you enough damage to burst down targets. Always utilize this mechanic to maximize your damage output and sustain yourself with heals. If you're fast enough, you can chain the reset of Aerial Ace as long as there are marked enemies. Successfully hitting an opponent with Brave Bird get marked and will reset Aerial Ace's cooldown when you hit them with a boosted attack. Your gameplay should be diving the backlines with Brave Bird then bursting them down with multiple Aerial Ace activations. This build takes advantage of the cooldown reset mechanic from using Brave Bird. Equip Emblems that improve Attack or Critical-Hit Rate since the build is centered on burst damage. Your Boost Emblem loadout should consist of 6 Brown Emblems for maximum damage and 4 White Emblems for additional HP. Try to save it for escaping only as much as possible. Because of their low HP, focus on enemy Attackers or Supporters first.Įject Button is a great tool for escaping when things go awry, making it a must-have battle item. Since you don't have any defensive items, you have to pick your targets carefully. Muscle Band, Scope Lens, and Razor Claw contribute to Talonflame's burst damage output, particularly critical hits. You can also use Fly to easily disengage from fights when the need arises. Set up your attack by landing on enemies with Fly, then finishing them off using Aerial Ace. This build focuses on maximizing Talonflame's burst damage to get easy knockdowns. The builds are still viable even without the suggested emblems. The emblem color and stats here are suggestions only. Cooldown increased from 9s to 10s.įixed a bug that prevented Talonflame from being able to go through thin walls.ĭamage decreased from 3370 to 3016 (-11%)įixed a bug where the effect is not activated when returning after being KO'd. ![]() Aerial movement speed increase strengthened.ĭamage dealt to opposing Pokemon increased from 2325 to 2974 (+28%).Ĭooldown is reduced when hitting an enemy Pokemon by 4s. ![]() Cooldown decreased from 87s to 100s.Ĭooldown reduced. Adjusted the operation.ĭamage decreased from 2800 to 2618 (-7%). Aerial Ace+: Damage dealt to opposing Pokemon increased from 1034 to 1235 (+19%).Īdded the effect of recovering HP on hit (Lvl 7: +175 / Lvl 15: +385). Also makes the user's next basic attack a boosted attack.Īerial Ace: Damage dealt to opposing Pokemon increased from 462 to 621 (+34%). When this move hits, it restores a certain amount of the user's HP. Move cooldown reduced 10s to 8.5s.Damage dealt to opposing Pokemon increased from 1491 to 2253 (+51%).Ĭhanged to Has the user fly at the designated opposing Pokemon, dealing damage. Weakened shield effects.ĭamage dealt increased 1009 to 1191 (+18%). Utilize this shielding effect to mitigate some damage, especially during 1v1 duels. When Queenly Majesty takes effect, using Trop Kick grants Tsareena a shield. Also, placing as many slowing areas as you can during teamfights allows you to limit the enemy's movement, giving your team an advantage. To maximize Trop Kick's slow effect, use it directly on the enemy's path, slowing their movement speed drastically. How to Use Trop Kick Maximize the Slow Effect Queenly Majesty Effect: Grants the user a shield when this move is used. Opposing Pokemon that make contact with the flying kick's wake receive damage and have their movement speed decreased for a short time. Has the user peform a flying kick in the designated direction, dealing damage to opposing Pokemon it hits and decreasing their Attack for a short time. Initial damage: 572, Damage per instance: 93, Initial damage with Queenly Majesty: 918, Damage per instance with Queenly Majesty: 141, Number of instances: 7 Initial damage: 304, Damage per instance: 48, Initial damage with Queenly Majesty: 483, Damage per instance with Queenly Majesty: 75, Number of instances: 7 11/5/2023 0 Comments Muva phoenix jay myers![]() ![]() When using a search engine such as Google, Bing or Yahoo check the safe search settings where you can exclude adult content sites from your search results Īsk your internet service provider if they offer additional filters īe responsible, know what your children are doing online. FULL SCENE Jay Myers fucks big ebony booty muvaphoenix. 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It’s only for comparing structured programming and object-oriented programming. Don’t worry if you don’t understand it yet. Let’s see the above program implemented with OOP. OOP was invented as a solution to all of these problems. This code works perfectly, but we have three problems: It’ll execute step by step, depending on your input. It’ll ask you for a budget, then “sell” you the biggest coffee you’re capable of buying. The code above acts as a coffee shop vendor. Print('Your change is', user_budget - small) Print('You can afford the regular coffee') Print('Your change is', user_budget - big) User_budget = input('What is your budget? ') Let’s see an example of structured programming with a coffee shop program. That means you’re giving the computer a list of tasks and then executing them from top to bottom. It involves running a Python program sequentially. Structured programming is the most-used paradigm by beginners because it is the simplest way to build a small program. ![]() Structured Programming vs Object-Oriented Programming This understanding leads to a rapid project initialization. Once you get some experience with OOP, you’ll be able to think of problems as small and specific objects. OOP Improves Your Analysis of Any Situation OOP gives us the possibility of compressing all the logic in objects, therefore avoiding long pieces of nested if’s. This tangle of endless lines of code is called spaghetti code, and you should avoid it as much as possible. If you keep adding features, you’ll have many nested if statements in the future. OOP Helps You Avoid Spaghetti Codeĭo you remember the number guesser program at the start of this article? ![]() You’ll see more about the abstraction principle later. Productivity decreases with not legible code It’s the reason legibility is always more important than getting features out as quickly as possible. This principle makes your code more concise and legible.Īs you may know, programmers spend much more time reading code than writing it. Object-Oriented programming allows you to reuse code by implementing abstraction. It means you can implement more features in less time without compromising the stability of a project. OOP Allows You to Code FasterĬoding faster doesn’t mean writing fewer lines of code. If you want to learn any of them after Python, it’ll be easier - you’ll find many similarities between languages working with objects. PHP (make sure to read the comparison between PHP and Python)Īll of these languages are either natively object-oriented or include options for object-oriented functionality.If you learn OOP in Python, you’ll be able to use it in the following: The following reasons will make you opt for using object-oriented programming in Python. Let’s see the main advantages of using OOP in Python. Some examples are Django, Kivy, pandas, NumPy, and TensorFlow. Many Python frameworks and libraries use this paradigm to build their codebase. OOP allows you to create secure and reliable software. Why Do We Use Object-Oriented Programming in Python? You build objects that store data and contain specific kinds of functionality. ![]() This compartmentalization is the central concept of Object-Oriented Programming. For example, consider calculators: A calculator can be an object.Īs you may notice, the data (attributes) are always nouns, while the behaviors (method) are always verbs. You can think of objects as real things around you. So when we’re talking about OOP, we’re referring to a set of concepts and patterns we use to solve problems with objects.Īn object in Python is a single collection of data (attributes) and behavior (methods). Object-Oriented Programming (OOP) is a programming paradigm in which we can think about complex problems as objects.Ī paradigm is a theory that supplies the base for solving problems. What Is Object-Oriented Programming in Python? Now you have these concepts crystal clear, you can move forward with understanding object-oriented programming. Open a Python Shell: Open a terminal and type python or python3 depending on your system.Print(number, 'is greater than the secret number') Before digging into the matter, let us pose a question: have you ever written a Python program like the one below? secret_number = 20 11/5/2023 0 Comments Footlight parade 1933 download![]() Could it be that Cagney's character is patterned after Berkeley? Could be. Kent is basically an idea man along the lines of choreographer Busby Berkeley. Kent gets the idea that a prologue chain would be the road to salvation for the dwindling live musical business. Shorts, news reels, serials, and cartoons would later serve the purpose. His producers take him to see a popular talky of the day, John Wayne in "The Big Trail." Before each showing of the flick, a dance number is presented as a prologue. Chester Kent (Cagney) is about to lose his job and does lose his playgirl wife as a result of talking pictures squeezing out live stage musicals. The first half of "Footlight Parade" is preparation for a musical extravaganza which occupies the last half of the film. These are all scenes from a 1933 musical. Footlight Parade is Busby Berkeley at his surreal best.Īn opium den, a dirty little boy (actually a midget), prostitutes galore, a violent fracas in a dive, a motel for sexual shenanigans, scantily clad babes with cleavage a lot, a boozer falling down the stairs, a racially mixed clientèle in a bar with Asians, Africans, and Anglos treated equally, does this sound like a film playing at the local shopping mall? Wrong. I've got to believe that clip was deliberate. ![]() I think the brothers Warner were playing a little joke there. But what's even more unusual is that the brief clip shows him in a scene with Frank McHugh who plays another Cagney assistant in Footlight Parade. And in a scene at the beginning of the film, producer Guy Kibbee takes Cagney to a movie theater where they are showing a B western starring John Wayne. John Garfield is seen briefly in the Shanghai Lil number. Look for Dorothy Lamour and Ann Sothern in the chorus as per the IMDb pages for both of them. Like in Blonde Crazy, she's the one with the real brains in that duo and it's her quick thinking that bails him out of some domestic problems he has on top of his theatrical ones. ![]() Joan Blondell is Cagney's no nonsense girl Friday at the theater. Ruby sings and dances with Powell in the last two and she partners with James Cagney in my favorite number from Footlight Parade, Shanghai Lil. Dick Powell gets to sing three songs in Footlight Parade, Ah the Moon is Here, Honeymoon Hotel, and By a Waterfall, the last two with Ruby Keeler further cementing that screen team. Of course the staging of these Busby Berkeley extravaganzas on the stage of a movie palace defies all logic and reason. ![]() He wished he'd done a few more musicals in his career and I wish he had. In his retirement Cagney said that while he screened his few and far between musicals a lot, he could barely be bothered with some of his straight dramatic films. It gives James Cagney a chance to display some of his versatility as a dancer as well as a tough guy. Footlight Parade is my favorite Busby Berkeley film. Some other competitors get wind of it and the competition is on. Stage live relevant prologues to the movies that are being shown at the various movie theaters that are springing up overnight from the old theaters. In an effort to stimulate the show business economy and his own personal economy, out of work theater director James Cagney comes up with a brilliant idea. Those behind the curtains were hit as bad as those in front. The Stock Market Crash of 1929 and the Depression following almost ruined the American Musical Theater, in fact it was the final death blow to vaudeville. 11/5/2023 0 Comments Extra payment calculator![]() How to Pay Off Your Mortgage Faster: 5 Tips 1īut even though you’re dead set on ditching your mortgage ahead of schedule, you probably have one major question on your mind: How do I pay off my mortgage faster? That’s why we’re going to walk through exactly how to pay off your mortgage early so you can reach your goal and become a debt-free homeowner. In fact, the average millionaire pays off their house in just 10.2 years. Not only is there huge freedom in being completely debt-free and living in a paid-for house, but it’s also a great way to build wealth-getting rid of your house payment leaves you with a ton of extra money each month to save for retirement. Be sure to ask your lender for instructions on how to make your extra principal payment.Īnd don’t forget: When you get to 20 percent equity, ask your lender to remove the mortgage insurance payment.So, you’re eager to pay off your mortgage early? That’s a great financial goal to set for yourself! It’s always wise to mark your extra principal when you make your payment and to check that your bank has credited it to your principal, rather than to interest. Most loans allow you to prepay principal. Make sure you get credit for an extra mortgage payment. Nevertheless, it’s good to know that the money is available if you need it. You have to use home equity loans carefully, because if you don’t repay them, you could lose your house. Are there any other advantages to making extra mortgage payments?Īnother advantage to paying down your mortgage more quickly: As you build up home equity, you get the ability to tap that equity in an emergency or if you need to pay for an expensive repair or addition. The sooner you get to 20 percent equity, the sooner you can get rid of your mortgage insurance and be free of paying the premium. Mortgage insurance covers the bank in case you default it has no payoff value to you. ![]() So for a $320,000 loan, mortgage insurance would cost around $133 to $400 per month. In general, mortgage insurance is about 0.5 percent to 1.5 percent of the loan amount per year. Your premium is part of your loan payment. For one, most banks require mortgage insurance if you have less than 20 percent equity in the residence. Higher home equity has several advantages. Paying down a mortgage early also accelerates your home equity, which is the value of your home minus the debt you owe. ![]() If you started paying $100 more a month in the fifth year of that loan, making your payment $2,144 a month, you’d save $39,674 in interest and shorten your loan term by two years and eight months. Your principal and interest payment would be $2,044 a month. Let’s take another look at that $320,000 loan. (Interest rates on 15-year mortgages are nearly always lower than those on 30-year mortgages.) Why should I pay off my mortgage early? What if you decided on a 15-year mortgage at 5.9 percent? Your monthly payment would rise to $2,683, but you’d pay $162,956, in interest over the loan - a savings of $252,779 in interest costs, compared with the 30-year mortgage discussed above. For example, the principal and interest for a $320,000 loan at 6.6 percent would be $2,044. If you’re thinking of refinancing your mortgage or considering your options for a new mortgage, the calculator can help you with that, too. If you start paying additional principal, you’ll save a lot of money in interest over the life of the loan. Mortgage interest is amortized so that you pay the bulk of your interest in the first years of your mortgage. (You can get current rates from mortgage giant Freddie Mac.) During that time you’ll pay $320,000 in principal plus another $415,734 in interest, for a total $735,734. Let’s say you borrow $320,000 for your home at 6.6 percent. The AARP mortgage calculator can help you do just that.Īt some point at a mortgage closing, you’ll have to sign a statement saying that you understand the amount of money you’ll be paying to the bank over time. Ideally, you’d like to get rid of the debt as quickly as possible while building up the amount of money you have invested in the home. How does the mortgage payment calculator work?įor most people, a house is their largest investment and a mortgage is their largest debt. Links followed with a small letter N are exclusive for the premium DLC Norse Lands. Links in italic gray (and in gray color on desktop view)Īre previously existing concepts that have been overhauled. All Classic and New Lands features that continue to be available in Two Crowns are not listed here. Note: The list below shows only the features introduced in Kingdom Two Crowns base game and its free DLCs. A complete list of these features is displayed below. The persistent islands concept required reworking many of the pre-existing features (the seasons, the overall day count, the power of Greed waves and Blood Moons, the way unlockables were distributed, accessed and kept between islands, &c), and even introducing new mechanics like the decay process of the Kingdom and the cliff portal final assault. They either stay and protect the Kingdom or they'll perish all together. They can no longer break the covenant with their people even new heirs can't do it. They are no longer seeking the safety of the Crown as an end in itself. Two Crowns: monarchs can finally establish their domain over a set of lands.New Lands: trying to expand the Kingdom, they end up being forced to flee from each new expansion. ![]()
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