These sophisticated features cater to tech-savvy users who seek more than just basic conversion capabilities, thus broadening the appeal and functionality of these tools.Ī YouTube to MP3 converter extracts the audio from YouTube videos and converts it into an MP3 file. Some of the latest converters are equipped with AI-powered noise reduction, audio trimming, and metadata editing functionalities. Lastly, the advent of advanced features in converters cannot be overlooked. Highlighting converters with such capabilities could significantly enhance their appeal to users who frequently use streaming platforms. Moreover, some converters now offer seamless integration with music streaming services, simplifying the transfer of converted files. It's crucial for users to research the reputation and security measures of the converters they opt to use. The rise in malware and data breaches associated with some converters underscores the importance of choosing trustworthy options. On the converter front, there has been a heightened awareness of security concerns. This advancement might influence user preferences and the features of converters, making compatibility with these formats a valuable point of discussion. This could reduce reliance on these tools, and an evaluation of the advantages and limitations of YouTube Premium compared to free converters would be beneficial for readers.Īnother significant change is YouTube's rollout of new audio formats like AAC in HDR audio. Additionally, the expansion of YouTube Premium features, which includes download functionalities for offline listening, presents an alternative to third-party converters. This crackdown on music licensing may impact the availability of certain content for conversion, emphasizing the need for converters that can adeptly handle licensed material. A notable development has been YouTube's intensified focus on copyright-protected music. The landscape of YouTube and its related technologies is, however, in constant evolution. These tools are pivotal for those who wish to enjoy YouTube content without an internet connection, allowing the creation of offline playlists and the conversion of video to audio, thus saving mobile data. In response to the growing demand for offline access, YouTube to MP3 converters have become increasingly popular. YouTube has emerged as a crucial source of diverse audio content, including music, podcasts, and more. Versatile multimedia tool for YouTube to MP3 conversion and more Multi-functional, Intuitive interface, Supports various formats, Customizable settingsĪdvanced features paid, Software installation, Can be overwhelming Limited features, Software installation, Some features paidĮasy to use with batch conversion capabilities and various quality options Intuitive interface, Batch conversion, Multiple quality options, Audio features Limited features, Software installation required, Requires computerĮfficient for dedicated YouTube to MP3 conversion with simple usability Powerful software offering comprehensive video conversion and editingĭedicated for MP3 conversion, User-friendly, Batch downloading, Quality options Software installation required, Some features paid, Requires computer Versatile tool for downloading and converting videos from various sourcesĪdvanced editing features, High-speed conversion, Supports various formats Supports multiple platforms, User-friendly, Batch downloadingĮxtra step for audio-only, Some features premium, Requires internet Reliable online tool for quick and secure YouTube to MP3 conversions Great for video editing and conversion, offering flexibility and creative controlĮasy to use, Supports various formats, Fast conversion, Secure Limited audio-only options, Variable conversion speed, Requires internet Popular for its simplicity and quick, high-quality conversionsĪll-in-one platform, Various editing features, Customization before conversion Limited features, Contains ads, Requires internet Reliable and versatile, supporting a broad range of video websitesĮasy to use, Fast conversion, Supports multiple formats, High-quality audio No registration required, Supports many video sites, Various quality optionsĬontains ads, No batch downloading, Requires internet Top choice for simplicity and efficiency in converting YouTube videos to MP3 Lacks advanced features, Requires internet connection User-friendly interface, Batch downloading, Multiple quality options
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At less than 10%, you’ll be paying so much in fees, mainly PMI, that it’s not worth it. If you haven’t saved 20% after two years of intense saving, it’s OK to go lower than 20% but not less than 10%.The goal should be to save 20% of your home’s purchase price to avoid private mortgage insurance (PMI).What does Ramsey have to say regarding down payments? How Much Down Payment Do You Need to Save? It’s not that you’ll necessarily be house poor however, you’ll be constantly sacrificing other financial goals to make the mortgage payment every month. In other words, your opportunity cost for buying a larger home means sacrificing wants (e.g., travel and entertainment) or savings (e.g., you may have to delay retirement). If it turns out that your hypothetical budget has 65% of your income going towards needs, that leaves only 35% total for wants and savings. Housing costs, which include home maintenance, fall within the 50% of your budget allocated to “needs.” However, so do other necessary monthly expenses, such as food, transportation and insurance. Where I find this budget strategy most useful is in helping people make big financial decisions by creating a hypothetical budget for their future. One of my favorite budgeting methods is the 50/30/20 budget, which states that you should spend 50% of your income on needs, 30% on wants, and 20% on savings. The mortgage industry’s guidelines, on the other hand, are optimized to maximize their profits. Not only will you have a lower monthly payment but also 15 fewer years of making payments. With a lower mortgage payment, the idea is you’ll be able to avoid credit card debt and invest more over time. The big takeaway here is that Ramsey’s guidelines are optimized to help you build wealth. The Personal Finance Ratios You Need to Know Loaning you as much money as possible maximizes the bank’s bottom line, not your finances. In other words, this is the largest amount of debt banks have found you can take on and still have a reasonable chance of paying back. For lenders, the purpose of the 28/36 rule is to determine the largest amount of debt a person can have. It’s important to look at this ratio from both a lender’s perspective and a consumer’s perspective. Then, total loan payments (housing plus all other debt) should not exceed 36% of your gross income. The rule states that you shouldn’t spend more than 28% of your monthly gross income on housing (this includes principal, interest, taxes, and insurance). Instead, it’s the rule mortgage lenders use to determine your home loan. The first thing you need to know about the 28/36 rule is that it’s not a rule used in financial planning. Taking a closer look at this ratio, I recently wrote: What this says is that your total monthly debt payments should not exceed 36% of your pre-tax income, with a maximum of 28% going towards housing. The standard debt-to-income ratio used in the mortgage industry is called the 28/36 rule. Why such a difference? To understand that, it’s important to understand the guidelines used by mortgage providers. Yet shows a mortgage payment that’s $579 higher than what Ramsey suggests. Ramsey, on the other hand, suggests a 15-year fixed-rate mortgage. Keep in mind, is showing you what you can afford on a 30-year fixed-rate mortgage. Perhaps unsurprisingly, ’s calculator suggests you can afford to buy more house than Ramsey’s. Ramsey’s affordability calculator also gives you an estimate of how much house you can afford based on your monthly take-home pay: How Much House Can You Responsibly Afford?ĭave Ramsey’s rule allows you to buy much less house than most mortgage lenders and real estate agents want to sell you - not to mention, much less house than other calculators will say you can afford. To get this number, simply look at your recent paychecks. Gross income is the amount you make before taxes and other deductions, while net income is the amount you make after taxes and other expenses are taken out. Ramsey advises using your monthly take-home pay (also known as net income or after-tax monthly income) rather than your gross monthly income. To find out your monthly maximum mortgage payment, just take your monthly-after-tax income and divide it by four. Therefore, you hardly need to use the calculator to follow this rule. Ramsey has the simplest affordability calculator you’ll find.Īccording to Ramsey, your monthly housing expenses should never be higher than 25% of your monthly after-tax income. So, if you take home $5,000 a month after taxes, you can afford a $1,250 total monthly housing payment. Write a complaint and be fierce! Ask for a letter telling you EXACTLY what they plan to do about it. I watched my credit score go down over 100 points. I was harassed several times a day by phone, and each time I would explain to them and they would look it up and tell me they were sorry and that it would be fixed. I have been fighting with them for almost 2 years over a fraudulent card in my name (with different address)that they kept assuring me would be fixed. I mentioned that in my Better Business Bureau complaint, and I think that may have been what got their attention. There are also class action suits currently going on that you may want to look into. Within 1 week I received 2 letters from Comenity apologizing and telling me that they were going to reverse the damage this had done to my credit score and send me a check, which I did not ask for. That's what I did, and that same day the Better Business Bureau contacted me. Go straight to the Better Business Bureau website and post your complaint, loud and clear. Well, don't try to talk to them because you'd be wasting your breath and your time. Who is the right outfit to talk to about this letter? I've never (nor my s.o.) have set up an account with Comenity Bank and again, did not apply for a VS credit card. "Your behavioral risk score as of Nov 09, 2021: 373 (This is different from your FICO (R) Score) Also, there was this following text near the bottom of the letter: I never (nor my s.o.) applied for a VS credit card, so did an actual fraudster tried to open an account under my name? Or is this letter a phishing scam itself? I noticed the typo "amounton" and was suspicious. Low level of authentication indicative of ID Fraud.Low level of authentication indicative of First Party Fraud.High average credit limit or loan amounton revolving/real property trades or credit balance to limit ratio on revolving trades.Current address reported by recently opened trade only. Here are our reasons for declining your request: "Based on information obtained from the credit-reporting agency, we are unable to approve your application at this time. Comenity Bank issues all Victoria's Secret credit cards, and we handle any account-related matters. So I've never (as well as my s.o.) applied for a credit card but received a rejection letter addressed from Comenity Bank, which states that my "recent application for a(n) Victoria's Secret credit card. No promotion of illegal, fraudulent, or nefarious activities No self-promotional content with prior mod approval. No referrals in posts, comments, or private messages. PIN, Signature).Ĭapital One Upgrade Link - Check PC eligibility for your existing card List of credit card company phone numbersĬredit Card Tuneup or CreditIntro to help you find the right cardĮMV CVM Database - Find a card's Cardholder Verification Method list (e.g. Template for Card Recommendation Requests Suggestions, Ideas, and Feedback - Post your suggestions hereĬreditKarma - Uses TransUnion and EquifaxĬreditSesame - May use Transunion or Experian depending on service Official User Flairs Thread - Learn how to customize your user flair If you are interested in getting more information about this construction you can contact the company directly at Apis Cor. But at such an affordable price these features can be added on and fully customized to the buyer’s specifications. The home does not come with any solar pv or battery storage systems. The construction uses advanced insulation materials to control the climate of the home. Additionally, the units come stocked with advanced climate control and air quality systems.Ĭonstruction costs for a 3D printed home are much lower than traditional construction due to the advanced printing technology the construction utilizes.Ī distinctive feature of the 3D printer is its design, which is reminiscent of the tower crane, allowing the printer to execute the printing process of constructing the building both inside and outside. The units come fully equipped with fresh water tanks (296 gal), microwave oven, refrigerator, dishwasher, coffee machine, toilet, shower, combo washer/dryer, sink, sofa-bed, table, chairs, kitchen cabinet, storage, and closet. At the time of this writing, there are 3 versions of the modular home, the smallest priced under $100,000 USD. The homes come equipped with solar panels and energy storage systems for a true off-grid experience. We’ve written about these modern printed smart homes from before. Take a look at the list and get inspired to take the leap! HAUS.ME – 3D PRINTED SMART HOME Other homes featured in this list are much more affordable and customizable to the homeowner’s exact specifications. Some of these homes are pre-fabricated and come ready-made with all the comforts of modern smart homes. These homes are real-life examples that off-grid living can be affordable and comfortable. This list showcases the latest in building techniques and sustainable technologies. So we put together a list of homes that are off-grid without comprising modern luxuries. Leaving many of the comforts we live with today in developed countries like climate control, wastewater management, and the Internet can be difficult, but living off gird doesn’t have to mean sacrificing them. There is increased interest in helping people unplug and connect with nature like the times of old. People are waking up to the negative effects the stressful city environments have on humans. Off-grid homes present an opportunity for people to connect with nature and be one with the environment – a sharp contrast to the reality many people face today in cities around the world. All three programs are compatible with any desktop version of Windows from XP to 10 Eraser, File. Compared with the following secure eraser tools, this one is simpler. It is highly likely that this software program is malicious or has security issues or other reasons. In this article, we’ll look at three free products: Eraser, File Shredder, and Freeraser. iBeesoft File Shredder is the first file eraser for Windows users Id like to recommend. This software is no longer available for download. These could be false positives, and our users are advised to be careful when installing and using this software. These may include a toolbar, changing your homepage, default search engine, or installing other party programs. PC Shredder is one free data removal and file shredder software, can permanently delete files, folders and make them irrecoverable, completely shredding the. File Shredder latest version: Delete unwanted files beyond recovery. In this blog post, we will look at the top 8 file shredders for Windows that can help you keep your sensitive data safe. This program is advertising supported and may offer to install third-party programs that are not required. File Shredder is a software designed to permanently delete files from your computer by overwriting their data, making it nearly impossible to recover them. Drag files or folders to the center area or click 'Add Folder', 'Add Files' to select target files or folder to shred. NET-framework 2.0 (already included in operation system since Windows Vista). And there is no third-party softwarebundled. Compatibility: Windows 365, 11, 10, 8.1, 8, 7, Vista, XP, 2000, 98, NT. Run EaseUS Partition Master, go to the Disovery section, and click 'File Shredder' to run this file shreding tool. The program is freeware/open source, it requires the. We scanned files and URLs associated with this software program in more than 60 of the world's leading antivirus services no possible threats were found. It is highly likely that this software program is clean. Based on this checking, we set the following security levels for any downloadable files. To avoid any potential harm to your device and ensure the security of your data and privacy, our team checks every time a new installation file is uploaded to our servers or linked to a remote server and periodically reviews the file to confirm or update its status. If you want to know more, you can read more about their data source and data qualifications here. Each name is computer-generated and we encourage you to do further research on naming traditions and. Sort using filters such as language, gender, and fantasy and even discover the meaning behind your favorites. The data consists of the 150 most popular names out of 20M male births. Kickstart your story with this random name generator that has 1,000,000+ good names to inspire you. The data used for this spinning wheel comes from the United States Social Security Administration website, which lists the most popular male names by decade. Can you think of other use cases? About the data Other ideas on why to use this wheel are: finding character names for your novel, masking your online identity, searching for nicknames, finding a name for your pet, or simply learning about popular US names. We hope this random wheel of names helps pick the right name for you! Other use cases Naming your unborn baby boy is one of the most important tasks during pregnancy, so you should take your time without being overwhelmed. It's definitely more time consuming than quickly going over a long lis of names, but it's an important decision. When you're done, you can spin the wheel again to see the next name. You can think about how the name sounds, how you feel when you hear the name, and you can take your time to really soak it in. Instead of reading a lot of names at once, you can use the name generator wheel to see one name at a time. It's exhausting! That's why we believe a "wheel of names" is a good alternative. You might go to the library to check out baby name books, or you might scour the 4 corners of the internet for various lists of names. Baby boy namesĬhoosing a baby name you (and your partner, if any) like can feel both thrilling and daunting at the same time. The names were found popular during the 2010s - which was from 2010 to 2019 - but are still popular today. Share your unique warrior cat name with us in the comments below! We hope you enjoyed our warrior cats name generator and find our mega list of warrior cat names useful.This random name wheel contains 150 popular male names in English. Using these, you can create your warrior cat name to suit your cat’s personality and role. Here’s a list of prefixes and suffixes we used to create the names in our warrior cat name generator above. Why not try our warrior cat name generator printable below to find out what your warrior cat name is: Free warrior cat name generator printable In this post, we are purely suggesting names of warrior cats, not kittypets or rogue cats. By creating your own rules or naming conventions, you’ll be able to create purrfect, unique names for your book. You could even get a scrap paper now and create your own naming rules for your cats. Since these are naming rules created in the book series, you don’t need to follow them when writing your own book.
Then you’ll have a little extra available when you need it.Įntertainment / recreation / tobacco/alcohol / eating out / gaming / hair cuts / hobbies Plan to save money for expenses that don’t occur every month, as well as for your future. Many people find that their budget is quite tight because their monthly debt payments are closer to 25% of their net income. Health care premiums / specialists / over-the-counter Phone / cell phone / gas / cable / internet Mortgage / taxes / strata / rent/ insurance / hydro If you have expenses such as high debt payments, childcare, school expenses or giving, you will need to reduce your spending in other areas to accommodate these higher expenses.īreakdown of Cost of Living Budgeting Categoriesīus / taxi / fuel / insurance / maintenance / parking To use these budgeting guidelines, start by developing your budget with the money you have available after government deductions from your pay cheque, but before voluntary deductions like RRSPs, pensions or other savings. Based on your income, family circumstances, and the part of the country you live in, your allocations may be very different. Below are some guidelines to give you a general idea and provide you with a starting point for your budget. Many people often wonder how much of their income they should spend on their home, vehicle, groceries, clothes, etc. Budgeting Percentage Guidelines for Living Expenses | How Much to Budget for Cost of Living in Canada Thorgar the Blacksmith Purchase: Scroll (Pride of Aesir) for Thorgar's Recipe Fragment, Thorgar's Notes, Thorgar's Crest. Heart of the Sands (Scourgestone) for Jagged Scourgestone Piece, Shattered Scourgestone Piece, Broken Scourgestone Piece. Petruso the Sandstorm Maniac He is in Sandswept Ruins. EEWA made its debut on the Steam Community on and was created by Hosav. Nunu the Cannibal Emote: Cheer Religion: Acolyte of Yog EEWA, as most of you have now come to know, this mod is short for Endgame Extended Weapon Arsenal. Muriela the Artisan Emote: By Mitra Religion: Acolyte of Mitra Use the markers to share where you currently are on the map, to mark a point where you want to meet up or to show certain points of interest, like your base. These markers are instantly shared with every member of your group. Mek-kamoses Emote: By Set Religion: Acolyte of Set You can join a group with all your friends you’re playing Conan-Exiles with and create markers on the map. Interactive Map Ok, I know this has been asked multiple times in the past few weeks and all you old salty veterans know every nook and cranny of the map but, that Map sure was handy for remembering where recipes and stuff were. Harpagus the Hatcher He is in the Weaver's Hollow. You'll have to give me at least 2 more years, as he still doesn't quite realize that he has hands.List of non-player characters ( NPCs) you can talk to, some of them will be able to teach you new religion, new emotes, etc.Ĭhild of Jhebbal Sag Recipe: Midnight Alchemist.Įnis The Gobbler (Cook) / Sayd Secretkeeper (Alchemist) I had my first child recently and I hope to put him to work as soon as I can farming and mapping star metal. There will be a search button on the map that you can click and type in any marker name from the Locations category.Īny feedback and all submissions are greatly appreciated!Īs always, I am working to keep markers updated, and apologize if marker locations fallen behind. This will be akin to panning the camera to the marker and pinging it. The next function to the map will be for a "search and center" function. You can also submit changes to current markers by right clicking them. You can right click anywhere on the map and submit a new marker to a datasheet that I can go through and add to the map. This evening, I've implemented a marker submission system. I've been working and releasing updates to the map recently and I'd like to bring to the community the most recent updates.
Here in the Library folder find and remove all files associated with the VLC media player.
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