![]() For example, a 15-year mortgage loan will increase your monthly payment but drastically decrease the amount of interest you pay over the life of the loan. Adjust home loan terms to determine how the length of your loan affects your monthly mortgage payment and the interest you pay over the life of a loan. The rates in a mortgage calculator can be easily adjusted to reflect your current situation. ![]() A calculator can help you review different scenarios to determine how much you can afford and which is right for your circumstances. How does a mortgage calculator help?ĭetermining how much you can afford is a good first step toward homeownership. Doing so will decrease your monthly mortgage payment and help lower your overall DTI ratio. For example, if you have credit card payments, could you pay off lower balances and decrease total monthly debt obligations? Can you refinance an auto loan into a lower total monthly payment? Find opportunities to lower your debt payments.Īlternatively, you could consider making a larger down payment. Make a list of your debts, and determine which are highest each month. If your DTI ratio is too high, consider paying off debt. Divide $2,500 by $6,000 to get a DTI ratio of 41%. Total debt, which includes your potential mortgage, is $2,500. For example, let’s say that you and the co-borrower each earn $3,000 gross income per month for a total of $6,000. Debt includes a variety of items, such as car payments, student loan payments, credit card payments, and your estimated mortgage amount.Ĭalculate your DTI ratio by dividing your total debt by your total gross income. Add up total monthly gross income for all borrowers on a loan. Gross income is the total amount of money that you earn monthly before taxes. A mortgage calculator can help you quickly determine your ratio, or you can calculate it yourself using the following information: A higher ratio may require a larger down payment or a higher interest rate. Most financial institutions prefer a debt-to-income (DTI) ratio that doesn’t exceed 36% however, some will go as high as 40% to 50%. The formula relies on two inputs: your total household gross income and your total monthly debt. Once you have at least 20% equity in the home, you may request that your lender drop PMI.Ī lender uses a basic calculation to determine how much house you can afford. The cost of PMI is generally between 0.55% and 2.25% of your original loan amount and is paid on a monthly basis. This is insurance designed to protect your lender if you default on the mortgage. If you put down less than 20% of the purchase price of the home, you may be required to pay private mortgage insurance (PMI). ![]() These vary based on your house’s details and geographic location, but expect to pay at least a few hundred extra dollars each month.
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![]() ![]() Check the recovery in the demo mode of Recovery Toolbox for Illustrator. Open the recovered file in Adobe Illustrator and keep on working with itĭEMO version of Recovery Toolbox for Illustrator has some restrictions, users may preview the results of Illustrator recovery, but it is not possible to save recovered data.Preview the results of Illustrator recovery and save it locally.Initiate the recovery process and wait for its completion.Start it and choose a file of AI format for analysis.Install Recovery Toolbox for Illustrator.Recovery Toolbox for Illustrator application works as follows: ![]() ![]() However, the offline version works under OS Windows only. The online service works on any computer or tablet, regardless of the OS in use. This tool represents the best option of Illustrator recovery that fixes many data corruption threats regardless of their severity. Recovery Toolbox for Illustrator recovers damaged illustrations of AI format in case of data corruption. Reliable software for Adobe Illustrator recovery Along with the software, we offer technical support by email for 1 year after your purchase of the AI Repair Tool. ai file repair software download is available 24/7. Just download and install Recovery Toolbox for Illustrator to repair Illustrator files. Displays, recovers and saves information from corrupted AI (Adobe Illustrator) filesĪdobe Illustrator data file repair tool helps to repair ai file (all versions).Displays and repairs data from damaged Adobe Illustrator *.ai files.AI Viewer Tool for corrupted Adobe Illustrator files.Repairs the Post Script data part of an Illustrator project.Saves recovered data into a new Illustrator file.Uses data swapping during recovery to save memory.Contains many specific fixes for logical errors caused by erroneous functioning of graphics editors.Uses artificial intelligence for graphical content reconstruction and integrity checking.Repair damaged Illustrator files (all versions).Recovery Toolbox for Illustrator is an Adobe Illustator repair file tool for recovering data from damaged *.ai files.įeatures of the Adobe Illustrator repair tool: How to repair Illustrator *.ai corrupted files ![]() ![]() Supported OS: Windows 11 / Windows 10 / Windows 8.System Requirements and Technical Details Touch Bar (Mac) - Preview and scrub through your timeline using the touch bar.A powerful and intuitive video editing experience. New Effects - 30 new elements and nine callout titles. Wondershare Filmora X 10.0.0.94 (圆4) Multilingual FileCR Source: 1337x Uploaded By: FileCR Visit us at: FileCR Video Editing Simplified - Ignite Your Story.Advanced Title Editing ( for Win only) - Change the position, rotation, and scale of a title (as a whole) on the player.This way, quickly converting a widescreen material to SD format is possible. GPU: Intel HD Graphics 5000 or later NVIDIA GeForce GTX 700 or later AMD Radeon R5 or later. Filmora allows you to create projects in 4:3 or 16:9, so you can crop the videos or resize them to fit the size you want. ![]() RAM: 4 GB RAM (8GB required for HD and 4K videos).
![]() ![]() Energy bites, without added sugars or oats.Nuts and seeds, preferably dry roasted to avoid consumption of hydrogenated vegetable oil and canola oil.Smoked salmon over almond-flour cracker smeared with organic cream cheese.Raw cheese with antibiotic-free, natural deli meat.Flax crackers with goat cheese and prosciutto.Raw veggies dipped in avocado-oil based dressings like Primal Kitchen.Hydrogenated oils like vegetable oil, peanut oil, corn oil, cottonseed oil.Dairy: milk and yogurts tend to be higher in sugar and should be limited.Alcohol: no cocktails, sugary mixers, wine and beer.Tropical fruits like banana, pineapple and mango have a high sugar content should be avoided. Fruit: most fruit should be limited, berries, orange, and apple have lower sugar content, so these can be consumed in moderation.Beans and legumes: chickpeas, black beans, kidney beans, lentils, edamame, peas.Fibrous Starches: potatoes, sweet potatoes, corn.Grains: pasta, bread, oats, rice, quinoa, ancient grains.Processed sugars: candy, chocolate, cookies, cakes, soda, fruit juice, energy drinks, high fructose corn syrup. ![]()
![]() Grammarly uses a subtle animation to draw attention to their offer. Grab your subscribers’ attentionĪdding animation in email with a GIF is a great way to grab your subscribers’ attention, point them toward an action you want them to take, or keep them scrolling to make sure they get your whole message. Whether you prefer a hard “G” or like to rhyme GIF with a certain brand of peanut butter, let’s look at why GIFs are so useful in emails. ![]() What are the benefits of animated GIFs in email? While there is still some debate as to how you actually pronounce “GIF,” most will agree that GIFs can be an excellent marketing tool. Animated GIFs are enjoying a renaissance both on the web and in email marketing. In the internet’s early years, GIFs (and the marquee and blink tags) were the primary method of adding movement to a web page.Ī lot has changed since the 1990s. Similar to how a flipbook works, GIFs rapidly display a series of images to produce the illusion of motion. More importantly, though, GIFs can be animated. Due to wide support across browsers and email clients, GIFs have been a popular image format since the early days of the internet. GIF, which stands for Graphics Interchange Format, is an image format developed by CompuServe in 1987. How to make animated GIFs with Adobe Animate.So how can you get in on this action? In this blog post, we’ll cover: According to our 2020 State of Email data, 51.28% of marketers said they’re using animated GIFs at least sometimes in their marketing emails. Enter: Animated GIFs in email.Įmail marketers are increasingly turning to animated GIFs in email to provide extra visual interest in their messages. But with so much competition for subscribers’ attention, you need to get creative about how to entice readers to click through and care about your message. Enterprise Plan Boost collaboration and drive resultsĪs an email marketer, you’re always trying to improve your campaigns through the use of copy, design, and images.Litmus Plus Automate testing to ensure quality.Litmus Basic Build error-free, effective emails quickly.All Plans See solutions for companies of all sizes.Or if you want to make a GIF from multiple images, use our GIF maker instead. If you are looking for a tool to perform conversion the other way around (GIF to Video), give our GIF to MP4 or GIF to WebM converter a try. Use our crop, resize, and optimization tools below the output image, to adjust the dimensions and file size.Pause the video and click "Use current video position" to get an accurate start and end time for your GIF.Maximum length at 5 fps is 60 seconds at 10 fps it's lowered to 30 seconds, and so on. If you want to create longer GIFs, you have to select lower fps. To keep the file size and processing time reasonable, we limit the maximum length of the part you can select for conversion (duration) depending on the selected frame rate.A higher frame rate gives smoother and more cinematic animation, thus increasing perceived quality but greatly increases the file size. Frame rate ( fps) is the number of frames shown each second.It can also convert some SWF (flash) files, but currently, not all of them. It's possible to convert transparent video (with alpha channel) to transparent GIF as well. ![]() We offer MP4 to GIF, WebM to GIF, AVI to GIF, MOV to GIF, FLV to GIF, as well as 3GP, OGV, M4V, ASF, and other format converters. If you want to change the dimensions of the GIF or crop out only part of the video, you can use our resize and crop tools on the GIF after finishing the conversion. If nothing is selected, the converter will make a GIF from the first five seconds of the video clip. Source video file can be uploaded from your computer or smartphone or fetched from another server by URL.Īfter upload, you can select the part of the video you want to cut, entering the start and end times. With this online video converter you can upload your mp4, avi, WebM, flv, wmv and many other popular types of video and rich media files to turn them into high-quality animated GIFs. ![]() ![]() ![]() ![]() Mary's Hospital on May 24, 1941, in Duluth, Minnesota, and raised in Hibbing, Minnesota, on the Mesabi Range west of Lake Superior. The Zimmerman family home in Hibbing, Minnesotaīob Dylan was born Robert Allen Zimmerman ( Hebrew: שבתאי זיסל בן אברהם Shabtai Zisl ben Avraham) in St. Life and career 1941–1959: Origins and musical beginnings In 2016, Dylan was awarded the Nobel Prize in Literature "for having created new poetic expressions within the great American song tradition". The Pulitzer Prize Board in 2008 awarded him a special citation for "his profound impact on popular music and American culture, marked by lyrical compositions of extraordinary poetic power". Dylan has been inducted into the Rock and Roll Hall of Fame, Nashville Songwriters Hall of Fame and the Songwriters Hall of Fame. He has received numerous awards, including the Presidential Medal of Freedom, ten Grammy Awards, a Golden Globe Award and an Academy Award. He has sold more than 145 million records, making him one of the best-selling musicians ever. Since 1994, Dylan has published nine books of paintings and drawings, and his work has been exhibited in major art galleries. ![]() Dylan has toured continuously since the late 1980s on what has become known as the Never Ending Tour. ![]() He also recorded a series of three albums of traditional American standards, especially songs recorded by Frank Sinatra, and an album smoothing his early rock material into a mellower Americana sensibility, Shadow Kingdom (2023). He has released five critically acclaimed albums of original material since then, the most recent being Rough and Rowdy Ways (2020). Dylan's 1997 album Time Out of Mind marked the beginning of a renaissance for his career. In the late 1970s, he became a born-again Christian and released a series of albums of contemporary gospel music before returning to his more familiar rock-based idiom in the early 1980s. In 1975, he released Blood on the Tracks, which many saw as a return to form. In the late 1960s and early 1970s, Dylan explored country music and rural themes in John Wesley Harding (1967), Nashville Skyline (1969), and New Morning (1970). These recordings were later released as the collaborative album The Basement Tapes in 1975. During this period, he recorded a large body of songs with members of the Band, who had previously backed him on tour. In July 1966, a motorcycle accident led to Dylan's withdrawal from touring. His six-minute single " Like a Rolling Stone" (1965) expanded commercial and creative boundaries in popular music. In 19, Dylan drew controversy among folk purists when he adopted electrically amplified rock instrumentation, and in the space of 15 months recorded three of the most important and influential rock albums of the 1960s: Bringing It All Back Home, Highway 61 Revisited (both 1965) and Blonde on Blonde (1966). He went on to release the politically charged The Times They Are a-Changin' and the more lyrically abstract and introspective Another Side of Bob Dylan in 1964. Many of his songs adapted the tunes and phrasing of older folk songs. The album features "Blowin' in the Wind" and the thematically complex " A Hard Rain's a-Gonna Fall". Following his self-titled debut album of traditional folk songs in 1962, he made his breakthrough as a songwriter with the release of The Freewheelin' Bob Dylan the next year. His lyrics during this period incorporated political, social, philosophical, and literary influences, defying pop music conventions and appealing to the burgeoning counterculture. Much of his most celebrated work dates from the 1960s, when songs such as " Blowin' in the Wind" (1963) and " The Times They Are a-Changin' " (1964) became anthems for the civil rights and antiwar movements. Generally regarded as one of the greatest songwriters ever, Dylan has been a major figure in popular culture over his 60 year career. Bob Dylan (legally Robert Dylan, born Robert Allen Zimmerman, May 24, 1941) is an American singer-songwriter. ![]() ![]() The laser is safe and easily adjustable, making it possible for a natural-looking skin resurfacing. Using Fotona’s propriety VSP technology, the treatment reduces imperfections, allowing doctors to perform an extremely controlled light peel without thermal effects. It consists of 4 basic steps, with additional optional steps. SupErficial Light PeelĪ light cold ablation that gives a pearl finish, the final step is a treatment that works to remove dead skin cells to produce a healthy glow and unveil a natural smooth texture. Fotona 4D refers to the 4 step protocol created by Fotona for skin tightening and rejuvenation. It is a safe and fast bulk tissue heating that works from the outside-in, for skin rejuvenation. The third step concentrates energy delivery subcutaneously to provide a tightening effect for areas experiencing skin laxity. ![]() Because the surrounding tissue is safe and unharmed, the patient will experience faster healing than conventional fractional treatments. It is a three-dimensional treatment that produces a youthful texture and tone. The second step uses a fractional laser to treat deeper imperfections in order to repair the skin. There is also the benefit of a plumping effect, similar to the effect produced by a filler. This treatment will yield an overall improvement of firmness and elasticity of the skin. Performed on the inside of the oral cavity, this first step is a procedure that stimulates collagen contraction and new collagen production. This is a smooth, almost feather-like treatment. In this acne treatment procedure, a precise and gentle skin resurfacing takes place. The scarred tissue is vaporised, while the production of new collagen in the dermis is stimulated. This content is exclusively for users who have registered their Fotona laser system. There is also a complementary laser treatment available for improving the appearance of acne scars, where the Er:YAG laser beam is absorbed by the top micro-layers of the skin. This treatment can help to reduce the risk of new acne inflammation. Its laser acne treatment is a comprehensive solution where the precisely controlled Nd:YAG laser light can penetrate into the skin to treat the overactive sebaceous glands. One of the benefits of Fotona 4D Laser treatment is that it can penetrate into the deeper, medial and superficial connective structures of the skin, enabling significant collagen remodeling.įotona 4D Laser also offers patients who suffer from acne scars hope. Treatments available include skin tightening, skin volumisation for wrinkle reduction, and treatments for acne scars, active acne and spider veins. ![]() ![]() These modes are used to administer the major aesthetic procedures. There are 4 treatment modes available, which are SMOOTH, FRAC3, PIANO and SupErficial. Fotona 4D Laser is a series of non-invasive laser treatments for the face, which involves two different laser wavelengths, Er:YAG and Nd:YAG. ![]() ![]() ![]() ![]() One Pair Skater Tube Socks Come With The Dress. Here, 16 ideas from the latest season of the show that you can shop right now. The Stranger Things - 1:6 Eleven collectible Scale figure stands approximately 9.2 inches (approx. Shop NUWIND Women Stranger Things Eleven Dress and Socks Pink Dress Costume for Adult Halloween Cosplay. Eleven socks exact replica from Stranger Things TV show, perfect for Halloween, Carnival and Christmas gifts. ![]() And while you have TONS of material to work with because the characters’ outfits and looks have all evolved from when we first saw them in the very first season, we're going to focus on season 4 looks because, ya know, pink dress and Eggo waffles Eleven is *so* 2016. The entire kit, which I believe even includes the knee socks, can be bought. Take your love of the show to the next level with any of these getups, or you can always go all in with your friends on an epic Stranger Things group costume. The most 'costumey' of Elevens get ups is the hospital gown and headgear she wears during the psychic training scenes. (Emphasis on the “kinda,” because that town has seen some scary sh*t.) This beautiful eleven pink dress featuring carefully handcrafted beads on the elastic smocked bodice and cuffs, white peter pan collar, slightly gathered skirt, hidden back zipper, and coming with a pair of tube socks, perfect for Stranger Things fans, 0.0 (0 Reviews) 7 Sold. It'll help fill the void in your heart until the fifth and final season of the über-popular series debuts and have you looking like the Hawkins resident you kinda wish you were with these costume ideas. Skater Socks 22' Knee high White tube socks with Green-Gold stripes style 3. TCK Retro 3 Stripe Tube Socks (Dark Green/Gold, Medium) TCK. The fourth season of Stranger Things has come and gone, but if you’re still not over all the sci-fi drama and Eddie Munson's Metallica solo, then you should definitely dress up like the characters with a Stranger Things costume this Halloween. There are many reasons you might choose to buy eleven from stranger things socks but it is not easy to find the best suitable eleven from stranger things socks. ![]() ![]() ![]() ![]() In addition, Adobe has unveiled the new features coming up in Substance Alchemist 0.8. It includes all of the features from the regular beta, but times out after 30 days.ĭue in beta 0.8: new material management features Whereas previous beta releases required you to have a subscription for the other Substance Products, including Substance Designer and Substance Painter, the new trial version is free to anyone. ![]() You can read an overview of the feature set here, and find our stories on subsequent beta updates here. Then codenamed Project Alchemist, Substance Alchemist was unveiled at GDC 2018 by original developer Allegorithmic, and first released in beta earlier this year.Ī standalone product for “augmented digital material creation”, it provides a range of material-generation workflows, including working from 3D scan data, hand painting and parametric design. The free trial version was announced at the firm’s Substance Day event at Siggraph 2019, alongside the next beta update to the software, Substance Alchemist 0.8, which is due to ship next week.Ī new standalone tool for ‘augmented digital material creation’ Adobe has released a new 30-day trial of Substance Alchemist, its upcoming material creation tool, making it possible for people without a Substance subscription to test the software. ![]() ![]() ![]() There’s no touch of honey in the graham, no vanilla in the marshmallow, and just not enough chocolate in them altogether. Poor Guy.īut the truth is, while parts of it are good, Krave S’Mores just lacks too much. ![]() I bet all the other s’mores cereals make Krave S’Mores fetch them coffee. It seems there’s a pretty well-defined “S’Mores Cereal Hierarchy” in place, and Krave S’Mores finds itself wallowing in squalor at the bottom of the totem pole. And wait, S’Mores Jungle Party is nothing compared to the legendary (but long discontinued) S’Mores Crunch! However, Smorz also can’t compare to Madagascar S’Mores Jungle Party. So maybe the petitioners and Rickroll-recipients were right: Krave S’Mores really can’t compare to Smorz. It’s a tragic betrayal worthy of Shakespeare: Julius Caesar in particular. Maybe the comparisons to Claudius (or at least Benedict Arnold) aren’t unfounded, because the treacherous and jealous marshmallow overwhelms its tasty brethren with its excessively fluffy, one-note, and slightly cloying sweetness. The chocolate, too, has its Fudgiscle-ness made even more Fudgsicle-y, as the added milk mimics that treat’s ice cream innards.īut it’s not all good in the milky hood. The thirsty graham shells suck up the milk, and they take on a nice “milk-dunked cookie” texture and taste: doughy, golden, and sweet. Just like how I roast a glass of milk over the fire before every s’more (wait, you guys don’t do this?), I add some milk to my bowl of mini s’mores, too. Krave isn’t made to be eaten dry, though. I just wish there were more of it with how chintzy Kellogg’s is with the chocolate ribbons, you’d think unadulterated fudge essence costs more per ounce than printer ink. It’s milky, creamy, and probably made from 100% pure Fudgsicle extract. Meanwhile, the chocolate is the cereal’s standout star. The marshmallow is very sweet and sugary, but it doesn’t have the sticky vanilla touch of, say, Jet-Puffed or Stay Puft. Once I mine through several layers of raw graham ore, I reach the mythic chocolate and marshmallow core. Unfortunately, the pieces lack the buttery honey kiss of a genuine, s’more-worthy graham cracker or bowl of Golden Grahams. It’s hard to describe the intensity of this cereal’s graham-iness, but I will say Krave S’Mores is right up there with the inventor of the telephone and the childhood nickname you gave your grandma. Munching the pleasantly golden pillows, they have a strong graham flour base, chock full of sweet wheat bran and a touch of browned sugar. However, dissection reveals that their larger size just means a denser shell instead of more filling. Maybe the pudgy little buggers just cannibalized all the Smorz back in 2013, forcing a three year shortage. Somehow.īut do Krave S’Mores deserve my “Pedro’s cousins from Napoleon Dynamite” levels of protection? Let’s risk it for the chocolatey marshmallow-filled biscuit and find out.Ĭompared to Chocolate or Double Chocolate Krave pieces, the bulbous graham biscuits of Krave S’Mores are much chunkier. When people spoke ill of Krave S’Mores petitions online, I “ Rickrolled” every single one of them. When kids complained to their mothers in the cereal aisle, I flipped over shopping carts to send a message. Krave in general has a dedicated camp who vocally dislike it, but as an equally vocal defender of the Krave brand, I felt the need to stand up for Krave S’Mores. Smorz fans everywhere treated Krave S’Mores like the brother-murdering, ugly Uncle Claudius of the cereal aisle. When Kellogg’s announced in 2013 that Smorz was being replaced by Krave S’Mores after 10 years as a fan favorite, tempers were more fiery than a misplaced campfire marshmallow. T – Time-bound.Of course, Smorz was resurrected this January through some happy cereal voodoo, but times were darker before then.For example, a small café wouldn’t have an objective to make £1 million profit Objectives must be realistic for the size and scale of the business. Stakeholders in a business must agree about their objectives, this will give objectives a much better chance of succeeding For example, a business may want a £10,000 increase or a 25% decrease A business must be able to measure whether they have met an objective. This means that objectives must be clear, for example it must state that a business needs to make more profit, reduce waste, reduce environmental impact, increase sales ![]() This makes objectives clear and easy to understand, whilst making sure they provide clear goals for a business. Business objectives are often created using the SMART acronym. ![]() |