![]() It will happen sooner or later as you will eventually pay off your car loan either today or a few years later when your term is over.Īfter the initial dip, your credit score should rebound quickly if you make payments on time with your other accounts such as credit cards. However, do not let this scare you from paying off your auto loan. Yes, when you pay off your auto loan, your credit score will drop initially because when you pay off your auto loan, the account will be closed and will no longer help you establish a payment history. When you make timely payments to pay off your credit card every month, your credit score will be improved.ĭoes a car loan payoff hurt your credit score? You can build your credit score with other accounts such as credit cards. In most cases, the credit score shouldn't be a deciding factor to decide whether or not to pay off your car loan. Your credit score may dip temporarily but will go back up if you are responsible for your other payments. No, paying off your car loan will not improve your credit score as now you will have one fewer payment account to build your credit score. You should pay off the debt with the highest interest rate before paying off your auto loan.Īnother scenario where you might want to hold off from paying off your auto loan is if you have other investment or business opportunities that have the potential to generate a higher return than the interest costs of your auto loan.ĭoes a car payoff improve your credit score? For example, if you have other debt that has a higher interest rate than your car loan such as credit card debt. In some cases, paying off an auto loan might not be ideal. Therefore, paying off your auto loan is a good idea if you can afford it. Paying off your auto loan saves you money in interest. Is it a good idea to pay off my auto loan earlier? However, you should first contact your lender to see if there is any prepayment penalty or other restrictions on the auto loan contract. Principal: The principal is the amount you borrow before any fees or accrued interest are factored in.To pay off your auto loan, you can call your lender, visit them in person, or pay them off online if your lender has a platform for you to make payments.Your loan’s principal, fees, and any interest will be split into payments over the course of the loan’s repayment term. Repayment term: The repayment term of a loan is the number of months or years it will take for you to pay off your loan.You can use Bankrate’s APR calculator to get a sense of how your APR may impact your monthly payments. APR: The APR on your loan is the annual percentage rate, or cost per year to borrow, which includes interest and other fees. ![]() This rate is charged on the principal amount you borrow. Interest rate: An interest rate is the cost you are charged for borrowing money.When taking out any loan, it’s important to understand these four factors: Common types of unsecured loans include credit cards and student loans. Unsecured loans don’t require collateral, though failure to pay them may result in a poor credit score or the borrower being sent to a collections agency. ![]() In exchange, the rates and terms are usually more competitive than for unsecured loans. Common examples of secured loans include mortgages and auto loans, which enable the lender to foreclose on your property in the event of non-payment. ![]() Secured loans require an asset as collateral while unsecured loans do not. ![]()
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![]() ![]() ![]() (We liked the example in this excel template: )ĥ) Have a macro that consolidates our foods needed into a shopping list, grouping items together (ie- if we have 1 cup of Broccoli on our weekly meal plan 3 times, the shopping list states Broccoli - 3 cups, instead of listing out Broccoli - 1 cup, 3 times). This to us, is the tricky part of the set up/design of this document.Ĥ) Be able to plan 7 days in advance, having a summary sheet that consolidates all of our daily choices and meals in a tabular form. Additionally, we would know that item would be meeting the requirements of 1 protein, and 2 vegetables. On a different workbook we would have the ingredients listed. Ideally, the drop down would just be for 'meals', and the option selected would be spinach salad. For example, on the attached data workbook (tab 'Menu 2'), we had a spinach salad for dinner. We would like to be able to do this by looking at values from another sheet if a meal (rather than a singular food item) is selected. We would have a different list for each food group (See 'Approved Foods' tab on the attached document).Ģ) Ensure that our daily intake meets the daily requirements (5 proteins, 3 veggies, 2 fruits). ![]() We have researched some available meals, and attempted to incorporate those into the spreadsheet.ġ) Have one sheet with the meals for that day displayed where we can choose from a drop down one meal or food item from an available list, and have the calories displayed. Phase 1 has a list of available foods, all which fall into different categories.ġ) The calorie count be as close to 1,000 as possibleĢ) The individual eats 5 times per day (Breakfast, AM Snack, Lunch, PM Snack, and Dinner).ģ) The individual consumes 5 proteins (1 per eating time), as well as 3 veggies and 2 fruits per day (which can each be consumed at any meal). I've attached a document of what we have so far. I'm trying to use Excel to help us stay on track, meal plan, and grocery shop. ![]() ![]() The object of backgammon is to move all your checkers around the board in a clockwise motion and ultimately bear off the checkers from the board. It is played with two players (lucky you, we have a computer player to enjoy!). Options only on 247 Backgammon include doubling cube, highlights, match points, and chip color! This backgammon site even remembers your preferences every time you come back so you'll be set to play immediately! The gameplay on 247 Backgammon is seamless and you'll quickly become addicted to the beautiful artwork and perfect puzzle game.īackgammon is a popular ancient board game. Play with an artificially intellegent opponent or play with a friend with Pass & Play! 247 Backgammon has games in five difficulites, ranging from easy to expert! You'll be sure to find a difficulty you feel comfortable playing, whether you are a beginner or seasoned backgammon player. Of course 'Undo' and 'Redo' can be helpful too - the icons are just right of the board.Īnd be sure to open the Settings page (using the gear icon) and try various error highlighting modes - that's the indispensable tool for getting the hand in quickly finding the right candidates.247 Backgammon offers the best backgammon game online. Just click the icon again to switch to placing big 'final' decisions (you can erase any of these too in case you change your mind). Just click the 'note' icon - now every number you put in a cell will be a small note alongside other candidates. Just like in a paper Sudoku, you can make 'small pencil notes' in the cell of which numbers can go there. No matter what trick you use the most helpful thing for solving a Sudoku is 'penciling the candidates'. Now draw a horizontal and vertical line from every 4 on the board (you remember you can't place another 4 in a row or column) - it will quickly become clear there are almost no cells left where you can actually put it. Choose a number that occurs most on the board already (so there's one or two instances left to place) - there are indicators below the board to help you find the best one. The more advanced technique you can use for a harder puzzle called 'scanning': it exploits the fact that any given number from 1 to 9 can occur only nine times in a completed Sudoku puzzle. Now you will notice the more and more rows, columns and regions become almost complete and easy to deduce - the complete puzzle picture becomes clearer with each move. ![]() Now try to use the same technique but now with an almost filled-in row or column - find the one where only one number missing (then the answer is obvious) or two ones missing - try both options and figure out the right one. Which one is correct? Just place 3 and look across the whole row, then the column: is there a duplicate? Try the same with 7 and you'll get the correct option. For example, if a 3x3 square lacks just the numbers 3 and 7, we have only two options on how to place these two remaining numbers - 3 in a first cell and 7 in a second one or vice versa. You will certainly see a square where just one or two numbers are missing. Start a Sudoku puzzle on an Easy level to learn all the techniques quickly. Sounds like a tricky task? Just start scanning the board and you'll find all clues you need, one by one, and get the puzzle solved. So each number from 1 to 9 occurs only one time in each row, column and region. Now you just need to fill the remaining cells with numbers from 1 to 9, obeying the only rule:Įach row, column or region must not contain repetitive numbers. ![]() The more cells are pre-filled the easier the puzzle. You start a Sudoku puzzle with some cells already filled in with numbers. So each row, column or region contains nine cells. ![]() In each Sudoku puzzle you have a 9x9 grid, divided into nine 3x3 square regions (you can just look above to get an impression). DONATE FEEDBACK More Games Puzzles Solitaire Mahjong How to Play Sudoku ![]() ![]() Linux: usually /home/username/.local/share/FreeCAD/ ( version 0.20 and above) or /home/username/.FreeCAD/ ( version 0.19 and below).Set the appropriate User macros location. On Mac OSX it is usually /Users/username/Library/Preferences/FreeCAD/ġ.On Windows it is usually C:\Users\username\AppData\FreeCAD\.On Linux it is usually /home/username/.local/share/FreeCAD/ ( version 0.20 and above) or /home/username/.FreeCAD/ ( version 0.19 and below).The $ROOT_DIR could be a particular user's directory. On Mac OSX it is usually /Applications/FreeCAD/.On Windows it is usually C:\Program Files\FreeCAD\.On Linux it is usually /usr/share/freecad/.The $ROOT_DIR could be a system wide directory, in which case the macro is installed for all users. Where $ROOT_DIR is a top level directory searched by FreeCAD on startup. ![]() Here is a video on installing FreeCAD macros in Ubuntu.īesides the tools in the toolbar, the following functions are also available in the Macro menu. See Introduction to Python to learn about the Python programming language, and then Python scripting tutorial and FreeCAD Scripting Basics to learn about writing macros. A collection of macros written by experienced users is found in the macros recipes page. ![]() py extension, FreeCAD macros should have the. ![]() Macros are Python scripts, which means they are text files that can be written and edited with a text editor. Macros are sequences of commands which are used to perform a complex drawing operation. Keep reading for more information regarding installation of macros. A regular user doesn't need to do more than use this tool. Since v0.17 it is easy to add macros by using the Addon Manager. ![]() ![]() ![]() It’s a testament to the precision and order that underlie the dynamic world of volleyball, and a testament to the skill and knowledge of the up referee who keeps the game in check. Whether it’s awarding points, signaling faults, or indicating rotations, the up referee’s signals provide clarity and maintain the integrity of the game.Īs you continue to enjoy the excitement of volleyball, take a moment to appreciate the language of hand signals that ensures fair play, resolves disputes, and keeps the match flowing seamlessly. These signals serve as the means through which critical decisions and actions are communicated during a volleyball match. A referee will show this has occurred by raising their hand with a flat open hand before awarding the point to the opposition team. ![]() Understanding up-referee hand signals is crucial for players, coaches, and spectators alike. It indicates that the ball landed inside the court boundaries, and the rally continues. Ball In: This signal is made by extending one arm horizontally and pointing with an open hand toward the court. Let’s explore some of the most common up-referee hand signals and their meanings:ġ. Up referee hand signals are a universal language that communicates crucial decisions and actions during a volleyball match. Now that we’ve established the importance of the up referee’s role, let’s dive into the world of hand signals and their meanings. ![]() Handling Disputes: In the case of disagreements or disputes, the up referee serves as the ultimate authority on the court.Scoring and Whistle Control: They oversee the scoring of points and ensure that the match progresses smoothly by using their whistle to signal the start and stop of rallies.Monitoring Player Rotations: The up referee verifies that players are positioned correctly in their rotational order.Tracking Substitutions: They keep track of player substitutions, ensuring that they are executed correctly and within the rules.Signaling Faults: The up referee signals various faults, such as double contacts, lifts, and carries by the players.Verifying Net Violations: They watch for net violations, ensuring that players do not touch the net during play.Calling Ball In or Out: The up referee determines whether the ball lands within the boundaries of the court or out of bounds.Positioned atop a raised platform, the up referee has a bird’s-eye view of the court and is responsible for several crucial tasks: Before delving into the hand signals themselves, let’s take a moment to appreciate the significance of the up referee’s role in volleyball. ![]() ![]() ![]() (With Windows, this should be the Photos app.) Your computer will open it with its default viewer. Open the JPG file you want to convert.You can download and save the converted file to your device.This online tool will convert your image to a PDF file.Drag and drop or upload an image file to convert it to the PDF file format in seconds.After you reach the site, you will need to select an image file (such as JPG, PNG, or BMP). Use the Convert JPG to PDF tool online.You only need to go to Acrobat online services and use the Convert JPG to PDF tool following these instructions: This online conversion tool is fast and easy to use. When trying to convert one file type to the other, you can use Adobe Acrobat online services to convert JPG to PDF. Convert JPG to PDF in a few simple steps. JPG to PDF files so that they don’t lose quality when you are sending multiple pictures. When you convert JPG to a PDF file, it will retain the same quality of the image after the conversion process without any quality loss. PDFs do not lose quality or size, and they retain the pixels and format of the image. Do you lose quality when you convert JPG to PDF? To make them easier to manage, it sometimes helps to convert them to the more universal PDF format. You’ll also quickly find that JPG files aren’t the easiest to print or share. This allows you to share one PDF with many images, making it much easier to send to others. PDF files can contain a limitless number of pages. The benefit of converting JPG to PDF files is that a PDF can contain multiple pages of images, whereas if you were sending various pictures, you would need to send multiple files instead of just one. To make sending your pictures easier and quicker, you can learn how to convert a JPG to a PDF file - no matter the device. However, sending multiple JPGs can be a tedious process for the sender and a long task for the recipient since they will need to open and view each picture separately. There are moments at work, school, or home when you might want to share more than one picture with your family, co-workers, or classmates. Can you convert JPG to PDF on Windows 10 easily? You’ll come across JPG files regularly in business as well as creative applications. However, this file format has become increasingly popular for digital images of all types, especially online. Named after the Joint Photographic Experts Group, it’s the default standard when it comes to digital photography. JPG (or JPEG) is a common file format for digital images. Learn how to easily convert this common image file type to a PDF for better sharing or printing. How to convert a JPG to PDF on Windows 10. ![]() ![]() ![]() Now, almost a half of the year later, I am ready to share my experience with the blog readers and publish the articles. Luckily, I was done with the configuration of all devices and I wrote several articles describing my progress. In March 2017 I completely stopped working on this project. ![]() During the next several weeks I added new devices into the topology, struggling with no time due to complicated family circumstances. What had firstly begun as a simple lab, later grew in to a real world enterprise network consisting of a campus, data center, DMZ network blocks and ISPs. 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