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Most people turn to auto loans during a vehicle purchase. If only the monthly payment for any auto loan is given, use the Monthly Payments tab (reverse auto loan) to calculate the actual vehicle purchase price and other auto loan information. ![]() may still use the calculator, but please adjust accordingly. The Auto Loan Calculator is mainly intended for car purchases within the U.S. ![]() Here is a list of our partners who offer products that we have affiliate links for.Related Cash Back or Low Interest Calculator | Auto Lease Calculator While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor. Second, we also include links to advertisers’ offers in some of our articles these “affiliate links” may generate income for our site when you click on them. This site does not include all companies or products available within the market. The compensation we receive for those placements affects how and where advertisers’ offers appear on the site. First, we provide paid placements to advertisers to present their offers. This compensation comes from two main sources. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. The Forbes Advisor editorial team is independent and objective. Related: How To Get A Car Loan With Bad Credit You might have other debt with a higher interest rate that you should focus on paying down first.So, if you plan to take out another loan soon, like a mortgage, you might want to hold off on paying off the car loan until after you’ve secured the new loan. Your credit score could temporarily dip when the loan is closed out, which automatically happens when the loan is paid off.Your lender might charge a prepayment penalty, so check with them before deciding to pay off the loan too soon so you don’t owe more than planned.There are also some risks to keep in mind when deciding whether or not to pay off your car loan early: You’ll own your vehicle free and clear, so you’ll be able to sell it if you need to and/or more easily buy yourself a new vehicle if that is your goal.You’ll pay less in interest over the life of the loan.You’ll have more money in your budget every month.There are some notable benefits to paying off your car loan earlier than expected: Total interest savings: The amount you’ll save in interest if you make the additional payments suggested by the calculator.īenefits of Paying Off Your Car Loan Early.Loan term shortened by: The number of months your loan would be reduced by if you increased your payment amount.Current monthly payment: This is how much you’re currently paying toward your loan every month.Increased monthly payment: The amount you want to increase your monthly car payment (if applicable).Remaining months: The number of months you have left on your loan.Annual percentage rate (APR): This is the auto loan interest rate you agreed to pay, expressed as an annualized percentage, including any applicable lender fees.For example, 60 months is a common auto loan term. Loan term: The amount of time (in months) over which you agreed to pay back the amount you borrowed.Vehicle purchase price: This is the amount you financed to purchase your vehicle.To use the calculator, make sure you have the following information available: How to Use This Car Loan Payoff Calculator ![]() Non-breakaway collars don’t have these problems but could potentially strangle your cat if they get caught on something. However, the cons are that they can break away sometimes and leave your cat without their ID tag. So, breakaway, or non-breakaway? The pros of a breakaway collar are that it can save your cat’s life if they get stuck in something. If you have an indoor kitty who likes to lounge around indoors all day, a non-breakaway collar would be more suitable. If you have a particularly adventurous cat who wonders outside and is without supervision for long periods of time, it might be worth investing in a breakaway collar AirTag Cat Collar Breakaway, Feeyar Integrated Cat Collars with Apple Air Tag Holder, Reflective for Safety, Adjustable, Durable, Fits Most Cats, Kittens and Puppies (Pink) Visit the FEEYAR Store. The best way to choose a collar for your cat is to consider their lifestyle. For indoor cats, this is not a problem since your cat will always safely be in your home, but it could be very problematic if your cat is not always supervised outside.Ĥ. Non-breakaway collars cannot be taken off without the help of a human. Non-breakaway collars are less likely to release accidentally but could cause serious injury if your cat gets caught on something. To prevent this, make sure to microchip your cat even if they wear a collar.ģ. If you live in a city where a cat without a collar is considered without an owner, this could be a problem if your cat loses their collar. While breakaway collars are helpful in preventing injuries, they can also come undone more easily and be a nuisance for both you and your cat. The breakaway collar adds a layer of protection against what your cat might encounter when they are outside on their own.Ģ. This can be very reassuring and safer if your cat is an outdoor cat and can be on their own for long periods. ![]() 1. Breakaway cat collars are designed to release if your cat gets caught on something, preventing them from getting injured. ![]() This is just to give you an idea how you can easily modify the default slide designs according to need. We edited the default layout to turn a slide into a solely 30 day plan slide with three sections (see example below). For example, you might want each slide to only explain about one part of your presentation, such as a 30 day plan with 3 sections, followed by a slide with 60 day plans and so on. This also means that you can even edit the 30, 60 or 90 text-boxes to modify the layout. This template is therefore perfect for making a good looking presentation to layout your plans for the first 90 days of employment, within a neat looking bulleted layout. You can even change the color of the slides or slide elements or rearrange the default layouts. The slides are completely editable and you can edit every section of the template according to need. Start developing a 30-60-90 day plan for your next role with Assimilating into Your New Job, a free Guided Project that you can complete in less than an hour.The template has a simple layout available in three different color schemes. With a 30-60-90 day plan, you can ensure the first three months of your new job have clear direction. Read more: How to Prepare for an Interview Getting started If you don’t have a lot of information, these can be hypothetical. Once you have your main objectives, try to come up with a few ways you would achieve them-use SMART goals if you can. Take a minute or so to organize your thoughts and think through what the main objectives of your 30-60-90 day plan would look like.ģ. Ask for some time to sketch out your ideas. Use the information you have on hand via the job description, and ask any relevant questions (for example, “What are the team’s immediate priorities?”).Ģ. While it might seem hard to write a 30-60-90 day plan for a job you’re still interviewing for, keep in mind that the interviewer knows this and won’t expect you to have a perfect plan right away.ġ. This allows the recruiter to see what kinds of ideas you have for the role and how you would manage your first few months on the job. You may be asked to create a 30-60-90 day plan in an interview. How to write a 30-60-90 day plan for an interview Once you have your overarching objectives in place, determine several ways you’ll achieve each-anywhere from two to five, depending on your needs. Yours might look completely different-for example, you might relegate the entirety of your 90 days to continuously learn different parts of the job, if your role calls for it. This is one example of how you might lay out your first 90 days on the job. Take what you’ve learned and apply it to your work. ![]() What are some pain points the organization or your team is facing? What else do you need to know to do your job better?ĩ0-days: Execute. Now that you have a more solid understanding of the basics of the organization, try to see how new ideas might get folded in. The second phase can also be considered a learning phase, but try to go deeper. Ask questions, learn tools, and get to know the people on your team and the organization’s objectives.Ħ0-days: Align yourself with team and organization priorities. A typical progression might look like the following:ģ0-days: Learn as much as you can. Aim for fluency in your role by the 90-day mark. The first two phases might entail learning and aligning yourself with company goals. Think about the steps it’ll take to set yourself on track to be successful in the role long-term. Once you have a good understanding of your role, you can lay out objectives for your 30-, 60-, and 90-day marks. This might be a good time to consult your manager-or if you’re a manager, key team members-to ensure your expectations are aligned. Make sure you have a good grasp on what’s expected of you in the role. Understanding what the role’s greater purpose is for the organization will help you define the short-term goals you should set. Check with your manager to see if there are specific templates or methods the organization uses to set out 30-60-90 day plans. ![]() Generally, you’ll want to include overall objectives and specific ways to measure your progress toward those objectives.Įach goal will be different, depending on your role and expectations. ![]() The specific goals outlined in your 30-60-90 day plan can be as detailed or broad as you need them to be. ![]() This requirement was relaxed in Windows 8.1, allowing the Windows key to be placed on any bezel or edge of the unit, though a centered location along the bottom bezel is still preferred. On Windows 8 tablet computers, hardware certification requirements initially mandated that the Windows key be centered on the bezel below the screen, except on a convertible laptop, where the button is allowed to be off-center in a tablet configuration. Some keyboards during the Windows Vista and 7 era feature a circular bump surrounding the logo which distinguishes its feeling from the other buttons. On Microsoft's Entertainment Desktop sets (designed for Windows Vista), the Windows key is in the middle of the keyboard, below all other keys (where the user's thumbs rest). In laptop and other compact keyboards it is common to have just one Windows key (usually on the left). The key is predated by the ⌘ Command key on Apple computers in the 1980s, and before that by the Super (or Meta) key on Lisp/ Unix workstation computers in the 1970s. The first laptop series to bear Windows keys on its keyboard was the Gateway Solo. The Windows key was introduced with Microsoft's Natural Keyboard in 1994. Compared to the former layout, a Windows key was placed between the left Ctrl and the left Alt and another Windows key and the menu key were placed between the right Alt (or AltGr) and the right Ctrl key. Historically, the addition of two Windows keys and a menu key marked the change from the 101/102-key to 104/105-key layout for PC keyboards. Ctrl+ Esc performs the same function, in case the keyboard lacks this key. In Windows, pressing the key brings up the start menu. ![]() This key became a standard key on PC keyboards. The Windows logo key (also known as Windows, win, start, logo, flag, OS, or super key ) is a keyboard key which was originally introduced on Microsoft's Natural Keyboard in 1994. The first Windows key (center) appeared with Windows 95. For Windows XP, the logo had no orb surrounding it and was off-center to the left. The Windows key (center) with an orb surrounding the center-anchored Windows logo used for Windows Vista and Windows 7. The previous Windows key (center) shipping with Windows 8, Windows 8.1, and Windows 10. Windows 11 features a design reflecting the current Windows logo, using four equally sized squares. For the Windows product key, see Microsoft Product Activation. Well, I saw the wand of the noble collection and as everybody can see, there are some Death Eater wands who are named after the form they look like (snake, dark mark, skull, stallion thorn). R a t n e e r Owl Me! 22:27, Janu(UTC) Thorfinn Rowle's wand Seth Cooper owl post! 22:25, Janu(UTC) That sounds about right Seth. Maybe the lowest "tier 2" or highest "tier 3". R a t n e e r Owl Me! 20:05, Janu(UTC) As they are replicas of the film's props, I would say they are less canonical as the actual film props, but more canonical than the games. Therefore, In my opinion, As long as it doesn't contradict other canon, it should be considered canon. ![]() (However, the article doesn't cite a source for that, so I'm going to see if I can find a reference on Google.) - Nick O'Demus 19:19, Janu(UTC) Well, I would say since, that Noble collections, like the video games, have license from Rowling, that they are canon after the games. The article on Minerva McGonagall's wand says it was 17" in the film, but the Noble website says 16". These things are judged on a case by case basis, so I don't see why these wands should be any different. Yes, some of them contradict canon, but so do inumerable other things from the movies. The Noble collections are exact replicas of the wands used in the movies, which are second tier canon. It's not possibly as it's Ron's second one ( Prisoner of Azkaban onwards). I don't feel this can be considered a reliable source for this information with that track record. That's one match ( possibly) and five direct contradictions.
![]() If you’re curious about your inspector’s education, Texas issues inspector licenses so the industry is regulated.Ĭlosing costs are another expense you’ll have to consider before buying a home. If you want a termite or mold inspection or radon testing, you’ll pay an additional fee for each service. In Texas, expect to pay $200 to $450 for the service. One of the first things to consider when you find a home you’d like to buy is a home inspection. Costs to Expect When Buying a Home in Texas Financial advisors can also help with investing and financial planning - including retirement, taxes, insurance and more - to make sure you are preparing for the future. average.Ī financial advisor can help you understand how homeownership fits into your overall financial goals. According to a white paper issued by Texas’ Office of Public Insurance Counsel, agent commissions and acquisition costs, advertising and underwriting are 65% higher in Texas than the U.S. While Texas does have many of the same weather risks, with large cities frequently exposed to hurricane, tornadoes and hailstorms, there are other reasons the insurance price is so high in this state. That puts the Lone Star State right near Florida, Louisiana and Mississippi, all states that have heavy hurricane and flooding risk. According to recent data from, Texas ranked as quite expensive for this insurance at an average of $3,525 per year. If you’re a veteran, disabled, older than 64 or living in your primary residence, you may qualify for a property tax exemption.Īlong with high property taxes, Texas is known for having some of the highest annual homeowners insurance costs. The good news for Texas homeowners is that there are a number of different exemptions to property tax that may apply to you. ![]() Tax bills are sent usually in early October and are due by the end of January in the following year. Wondering how your home is appraised? Each year the county will determine the current market value of your home, and that’s the number your tax payments are based on. If you owned a house appraised at $250,000 in this sparsely populated county, your annual property taxes would be only $850. The lowest tax rate in the state is 0.34% in Crockett County. Harris County, which contains Houston and its suburbs, has some of the highest tax rates in not only Texas, but the U.S. For example, a house appraised at $250,000 in Houston or one of its suburbs has an effective tax rate of 1.82% or $4,550 a year. The percentage depends on local tax rates from schools and other county concerns, so it varies per area. Property tax rates in Texas are levied as a percentage of a home’s appraised value. That said, Texas doesn’t have an income tax, so the majority of local government services such as libraries, road systems and schools are paid for by locally administered property taxes. The average effective property tax rate is 1.60%, which is good for eighth-highest in the U.S. It’s one of the first things to add to your housing budget if you’re planning on buying a home in the state. With this tool, you can see how much your monthly payments will be during the fixed period of an ARM, as well as when the introductory period expires. Once the fixed period is over, your mortgage rate can go up or down based on the market.Property taxes in Texas are known for being quite high compared to the rest of the country. ![]() These mortgages offer fixed interest rates that are often lower than those for traditional mortgages for a set number of years. Consider an adjustable-rate mortgage (ARM): An ARM could be a good option for you, especially if you plan on selling your home sometime in the future.Shop around: Because different lenders offer different rates, it's important to get at least three quotes when shopping for a mortgage in order to take advantage of the lowest rates.You'll likely need a 20% down payment to get the best rates. Increase your down payment: The higher your down payment, the less principal and less interest you'll have to pay over the life of the loan.Here are a few other tips that can help you get a low mortgage rate. ![]() I’m not going to deny that 1 and 2 don’t have them, but 3 has a RIDICULOUS amount of them. Toy Story 3 is littered with plot conveniences.We essentially just go to four different locations in this entire film: Andy’s house, Bonnie’s house, a daycare, and a dump. You’d think with better animation the filmmakers would use this newly endeavored freedom to their advantage to create some fresh, new locations. Toy Story 3’s sense of location sucks.But wait, isn’t Toy Story 1’s third act about Buzz and Woody creating a plan to sneak out of Sid’s room (AKA, the prison) with a group of toys as well? Yeah, I guess everybody sort of forgot about that. Yep.ģ) A basketfull of people often highlight the prison break element in Toy Story 3 as something that makes it stand on its own compared to the first two. Throw in an *insert ever plot point about Lotso.* Throw in a finale where the toys are trying to get one another off of an automated track. Throw in another reset Buzz Lightyear who thinks he’s a space ranger. Am I just crazy or is the praise surrounding Lotso’s character completely undeserved?Ģ) Throw in a starting conflict where one or more main characters go into a box/bag where they aren’t supposed to be in to ultimately be taken somewhere that isn’t Andy’s house. ![]() Lotso at the end of the movie gets picked up by an uncaring owner similar to how Pete’s fate commenced. ![]() Lotso tricks the toys into thinking that he is sending them off to a caring place just like Pete did to Woody. Lotso was replaced and abandoned by his old owner just like Jessie. ![]() Lotso is a villain who feels like he can never be loved by an owner just like Pete. Here are some other moments that also make 3 seem all too familiar:ġ) Lotso is a combination of Pete and Jessie’s character. Toy Story 3 retreads the exact same themes as its predecessor does and if you don’t believe me, here are the key foundations that both 2 and 3 explore: Andy will grow up to no longer play with his toys and toys can’t last forever. Toy Story 3 is a light remake of Toy Story 2.Oh yeah! And that My Neighbor Totoro cameo is nifty.The ending is, dare I say, P-E-R-F-E-C-T. This is BY FAR the best part about Toy Story 3. The ending and I don’t mean all that trash and fire, incinerator crap, I mean the last scene with Andy and Bonnie is phenomenal.The animation/rendering for human characters finally doesn’t look disturbing.Some of the new characters are cute, I suppose. Hopefully, Toy Story 4 fleshes them out a little more.I felt like I was in 6 th grade history class all over again. Toy Story 3’s parallel to societal classes and social stigmas is a neat addition to the franchise as well.It isn’t explored thoroughly but it’s most certainly present throughout the entire movie. Toy Story 3’s theme of Selflessness VS Duty is a neat addition.I hate whenever it attempts to be anything more (except for the ending scene), but when it’s just trying to be something kids can have a blast with, I’m all for it. Maybe I’m a heartless psychopath, but Toy Story 3 isn’t anything remotely special from my point of view. Yet, the movie to me seems all too familiar and all too nostalgically reliant for me to be rooting with glee on the side of praise this time around for this beloved franchise. People clearly adore the hell out of Toy Story 3. It also has a 4.1 on Letterboxd which is also quite praiseworthy especially for an animated children’s film. It has a 99% on Rotten Tomatoes, and an 8.3 on IMDb, ranking in the top 250 movies of all-time. It was nominated for best picture and best writing/adapted screenplay and won best animated feature at the Academy Awards. Toy Story 3 has been deemed a “modern-day classic” by many Pixar fans across the globe. I was head over heels in love with it! And after this rewatch, I can reassure y’all, it’s quite possibly one of the most overrated movies I have ever seen. I cannot tell you how many times I’ve watched Toy Story 3 as a near preteen. ![]() If you have an existing "Igor Pro 6.3 Folder" on the disk you'll be installing to, either remove or rename the folder to avoid overwriting the existing Igor files. If you want to run Igor on an earlier operating system, you must run Igor Pro 6.0x or earlier. Igor Pro 6.3 runs natively on PowerPC and Intel processors. Igor Pro 6.3 requires Mac OS X 10.4 or later. Igor Pro 6.3 System Requirements (Macintosh) Wide-Angle Neutron Spin Echo Spectroscopy.Of course one would have to warn the user that procedures are about to be overwritten. If you then quit and reload IGOR the new file will be used. ![]() ![]() The file is changed even though IGOR doesn't think so. However, I've just been experimenting with overwriting live procedure files with my zip xop. You wouldn't believe (well ok you probably do) how difficult it is for some people to create shortcuts. It is best to take as much strain off non-expert users as possible. The reason I want to do this is a lot of packages have a) a lot of files and b) it is quite hard for all those files to go in the right place, with the right shortcuts, etc. I hadn't totally envisaged the dynamic loading. User Procedures, create necessary shortcuts in /Igor Procedures and /Igor Extensions, before quitting IGOR so the user could then restart Igor. ![]() Thus the install would write files to e.g. Originally what I had in mind was a way of installing packages so that the next time IGOR was run those procedures would be available. What Howard talks about here is a dynamic load of XOP's and procedure files whilst IGOR is still running. Having said that, if you want to take a crack at it, more power to you! So rather than add pieces of the puzzle little-by-little, I prefer to wait until we have the time to think it out in advance. This would drag us little-by-little into the project and we might wind up doing it ourselves anyway or wind up with a hybrid that is kludgier than a built-in package installer would be. I suspect that you would want changes to Igor to accomodate the package installer. I suspect if we were to implement this internal to Igor it would lead to many changes within Igor itself. This is just what comes to mind with five minutes of thought. This is too kludgy and fragile for my taste. This therefore means that you have to run some procedure that calls Execute/P, let the procedure finish so that the Execute/P gets serviced and then run some other procedure to replace the package procedure files, let the second procedure finish so procedures can be compiled, and start a third procedure to launch the package. Since you can't close a procedure file while procedures are running, this can be done only via Execute/P. I have had on my to-do list to eliminate this requirement but it has never reached the top of the list.Īnother problem is closing procedure files in order to replace them with a newer version. End DigressionĪnother problem is that you have to quit and restart Igor to load XOPs. You can access this location using SpecialDirPath. This requires a new feature inside Igor.ĭigression - Igor Pro 6.1 adds the "Igor Pro 6 User Files" idea which provides the well-known place. This would require that Igor look in a well known place for some configuration file that would specify the package loader menu item. Thus what is required is a way for a package to add a menu item without being loaded. If the user has dozens of packages available that means dozens of procedure files in Igor Procedures. In order to add a menu, a user procedure must put a procedure file in Igor Procedures. There is no equivalent to WMMenus.ipf for user procedures. Thus with just one procedure file, the user has menu access to many packages. The packages are not loaded until the user chooses the menu item. It adds menu items to various menus which load packages. WMMMenus.ipf is installed in the Igor Procedures folder all the time. This is desirable because the user may have dozens of packages on his hard drive but does not want all of their procedure files loaded all of the time.įor WaveMetrics packages this is solved via the WMMenus procedure file (which is now an independent module so you must execute "SetIgorOption IndependentModuleDev=1" to see it). The first problem I ran into is how to make the package available to the end user without actually loading the package. The goal was just to create shortcuts from a package folder for procedure and help files. I started to write a simple Igor package loader a couple of years ago. Howard, could you specify what sort of problems you think would arise if this was not implemented directly in the Igor source? If they are not insurmountable maybe it is worth trying it as a normal Igor user project since it seems like the interest is there for development. Something like Synaptic Package Manager on Debian/Ubuntu but for Igor. ![]() If you change it for a SIM from another carrier and the phone is locked to the original, then it will work as a fancy iPod, none of the phone capabilities will be available. ![]() What happens if you switch SIM cards in iphones?Īnswer: A: If you change it for a SIM from the same carrier, nothing happens, the device continues working as before. It’s a SIM release tool to open/close your SIM tray. What is the metal thing that came with my iPhone 12? It is convenient to have should you ever need to change the SIM. What is the paperclip looking thing that came with my iPhone?Īnswer: A: It is a SIM removal tool. … Now, all iPhones and iPads come with an Apple SIM ejector tool, but just in case you don’t have access to one, any metal paper clip will do. On your iPhone or iPad, it’s the SIM Card that does the job of providing cellular network services on the go. Either you have arranged for the sim to activate to your number on turn on, or you can simply call your cellular provider after you set up the phone to move your phone number over to the new phone. Why did my iPhone 12 come with a SIM card?Īnswer: A: It was already installed in the phone. But the tricky part is activating and setting up the phone in the first place. Can you activate an iPhone without a SIM card?Ĭan you use an iPhone without a SIM card? Yes, you can. However, there are times you might want to buy an extra SIM card, perhaps to ditch your existing carrier or when traveling. What happens if you take out your SIM card and put it in another phone?.How do you put a SIM card in a iPhone 12?.How do I retrieve data from SIM card on iPhone?.What happens if you switch SIM cards in iphones?.What is the metal thing that came with my iPhone 12?.What is the paperclip looking thing that came with my iPhone?.Why did my iPhone 12 come with a SIM card?.Can you activate an iPhone without a SIM card?. |
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