Note that if you’re in debt-payoff mode, Ramsey says you should save as much as you can - even if that figure exceeds 15%.įood: Ramsey suggests using the following national averages from the U.S. Once you’ve saved a three-month emergency fund, you can start saving for retirement and other bigger purchases. But depending on where you’re at in Ramsey’s baby steps framework, your savings might be going towards building your emergency fund or your debt snowball (paying off non-mortgage debt). Saving: The end goal is to save 15% of your gross income for retirement. For homeowners, Ramsey suggests a 15-year fixed mortgage with 10% to 20% down. This figure is the same whether you’re renting or paying on a mortgage. Housing: Ramsey uses a strict percentage limit here, stating that your total housing payment shouldn’t exceed 25% of your take-home pay. While he has more information on his site about determining your own ideal budgeting percentages, here’s a breakdown of how to approach each category. Of course, your circumstances may vary from this example, which is why you shouldn’t follow Ramsey’s recommendations blindly. Here are Ramsey’s ideal percentages across his 12 budget categories, using the example of a family of four with take-home pay of $6,000 per month who needs part-time childcare, has employer-paid health insurance, and has paid off their non-mortgage debt:ĭave Ramsey’s Budget Categories Explained In other words, there’s no one size fits all budget.īut that doesn’t mean you can’t learn from his general guidelines. Additionally, his recommended budgeting percentages differ based on factors such as the size of your household, whether you need childcare, where you are in the baby steps process and other variables. Ramsey uses a combination of income percentages and set figures drawn from national income averages to determine his recommendations. Dave Ramsey’s Household Budget Percentages: Summary & Final Thoughtsĭave Ramsey’s Recommended Household Budget Percentages.Dave Ramsey’s Recommended Budgeting System.How to Analyze Your Monthly Budget (and Create One That Works).Dave Ramsey’s Household Budget Percentages Analyzed. Dave Ramsey’s Budget Categories Explained.Dave Ramsey’s Recommended Household Budget Percentages.
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Newton, facing a federal charge of possession with intent to distribute marijuana, was being held at the Lew Sterrett Justice Center pending action by prosecutors, Dallas County Sheriff's Department spokesman Don Peritz said. 12) - Former Dallas Cowboys lineman Nate Newton was arrested Wednesday on charges of carrying at least 175 pounds of marijuana, his second such arrest in six weeks. Then the son, long grown up, strong and tough, smiled.Newton Arrested Again With Large Amount of DrugsĭALLAS (Dec. “He turned his life around from it,” Tré Newton said of his father’s arrests. Once estranged, father and son talk on a regular basis, Nate asking how his grades are and whether he is brushing up on his pass-protection assignments. Nate Newton found religion after his release from prison and regularly shares his own story at churches, schools and youth groups around Texas. “I didn’t know he was going to do that,” she said. Phone messages left for Newton at the radio station and a residence listed under his name were not returned. Nate Newton now appears on a radio show in Dallas. The agents found $10,000 and 175 pounds of marijuana with an estimated street value of $700,000. Drug Enforcement Administration agents while in his pickup on Interstate 45 south of Dallas. Five weeks later Newton, out on bail, was stopped by U.S. In it were Newton, two women and 213 pounds of marijuana. Then Louisiana state troopers pulled over a white van on Interstate 10 east of Lafayette on November 4, 2001. It seemed like easy money and Newton and his buddies made several successful runs. Newton became involved in a drug trafficking operation after his retirement from the NFL in 1999 through friends he met at illegal dog fights. He regained it for Texas’ final three games.Īdversity found Tré Newton early. Newton moved into the Longhorns’ starting tailback post by the fourth game of the season only to lose it after suffering a concussion against Colorado on Oct. The strength and resiliency he showed as a 13-year-old has continued to serve him well. “Every night before I hang up she always says, ‘Make sure if you haven’t gotten the Word today, you go get the Word,'” Newton said.īoth Tré and Dorothy speak openly about their religion and their family’s history. Newton calls his mother each night before he goes to bed. “Tré is a guy that doesn’t say a lot, but he’s listening all the time,” Davis said.Įspecially to his mother, an administrator at a family medicine clinic in suburban Dallas/Fort Worth. He is “Yes, sir” and “No, ma’am” polite with a clear sense of optimism that is evident in an otherwise quiet and soft spoken personality. He is also a strong student, earning three As and a B-plus this past term in addition to All-Big 12 Freshman team honors on the field. But I see him just getting better and better each time he plays.” “I mean, this year he’s done a heck of a job for us. I think it’s still ahead of Tré,” Texas offensive coordinator Greg Davis said. “He’s got excellent vision, very strong lower body, and I think he has a very bright future. “She’s my everything,” Newton said of his mother in an interview this week. He did so with the help of a deep faith and the unwavering support of his mother, Dorothy. 2 Texas as it heads into the BCS Championship game with top-ranked Alabama at the Rose Bowl on Thursday night. “It was the hardest time in my life,” said Tré Newton, now the leading rusher for No. As a boss, he deals no damage due to his nail being made of shellwood. He then becomes the final boss of the first trial. If the Knight saves him both times, he is captured and can be found in the resting area of the Colosseum of Fools, where he brags about his skills and how his capture was part of his plan. If saved, he once again complains about the Knight meddling in his supposed heroics. Once again the Knight has the choice to either save him or leave him, though this time leaving him does not result in his death. He has forgotten the Knight and introduces himself again.įound stuck in spider webs, presumably having been captured by the beasts of Deepnest. Zote can be found in a corridor leading back to the storerooms of the City of Tears. If he is saved in Greenpath, Zote shows up in Dirtmouth, where he once again talks to the Knight in an arrogant fashion. Hitting his shell here grants the Neglect achievement. If he is not saved before acquiring the Mantis Claw, he dies in this location, with his nail and shell remaining. If saved, he complains that the Knight got in the way between him and his "prey", he introduces himself and boasts about his supposed mighty deeds. He is held in the mandibles of a Vengefly King, and the Knight has the choice to either save him or leave him. He regards the Knight as beneath him and accuses them of constantly getting in his way.įound along the path leading to Greenpath. While he claims to be the strongest warrior in the land, he is found trapped by weak enemies or claiming the glory of another bug's deeds. Unfortunately, because it is made of shellwood, it cannot deal damage. He named his nail "Life Ender" because names supposedly have power. This is ultimately revealed to be a promise of glory for himself. Zote is a traveller from outside Hallownest who came to the Kingdom to fulfill a promise. These mods include features such as alcohol and drug use, prostitution, strip clubs, and much more. Is Slice Of Life Compatible With Basemental?īasemental Mods is a collection of high-quality, meticulously crafted mods for The Sims 4 that add a variety of adult-oriented content to the game. After you have enabled the mod, you will be able to use all of Basemental’s features in your game. Once you have opened the Sims 4 Mods menu, you will need to click on the “ Enable Custom Content and Mods” option. The Sims 4 Mods menu can be found in the Game Options menu. To do this, you will need to open the Sims 4 Mods menu. Once you have extracted the files to your Sims 4 Mods folder, you will need to enable the mod in your game. The Sims 4 Mods folder can be found in your Documents folder. Once you have downloaded the mod files, you will need to extract them to your Sims 4 Mods folder. The Basemental mod files are available for free on the Basemental website. Once you have WickedWhims installed, you will need to download the Basemental mod files. Additionally, it is recommended that you have the latest version of WickedWhims installed in order to avoid any compatibility issues. Without WickedWhims, Basemental will not work. In order to use Basemental, you must first have the WickedWhims mod installed. WickedWhims is available for free on both the Sims 4 website and the ModTheSims website. WickedWhims is a Sims 4 mod that adds sex and nudity to the game. The WickedWhims mod is a requirement for Basemental. Basemental is available for free on both the Sims 4 website and the ModTheSims website. The mod was created by two modders, James Porter and Andrew Smith. So, what does Basemental really require? Basemental is a Sims 4 mod that allows players to add drugs, alcohol, and gambling to their game. Some say that the only requirement is the WickedWhims mod, while others claim that additional mods are needed in order to properly utilize all of Basemental’s features. There is much debate surrounding the requirements for the popular Sims 4 mod, Basemental. The formula in D9 assumes that the monthly interest payment is equal, namely: initial loan amount times monthly interest rate Neither assumption is correct, which should be apparent if you look at columns F and G of the example attached to my previous posting #2. The formula in D8 assumes that the monthly principal payment is equal, namely: initial loan amount divided by number of paymentsĢ. Manual Formulas (right copied from left except as noted): D8: =D3/D6ġ. Your example is essentially the following: pmt vs mnl calc.jpg Instead, it has to do with a basic understanding of how (regular) loans are amortized. This question has nothing to do with the original posting (loans with offset accounts). I am trying to workout why my PMT and manual calculation are different Is there a limit to the balance of the account that will be offset?ģ. Is 100% of the balance offset against the home loan?Ģ. In either case, the amortization schedule is more complicated.Īnd according to the second cited article, there might be other factors to consider, to wit:ġ. Mathematically, that is the same as the sum of the daily interest based on the daily loan balance minus the daily offset balance. So, in reality, I suspect that the monthly loan interest is based on the previous loan balance minus the average daily offset balance. That defeats one of the benefits of an offset account, to wit: ``Because the offset account acts like an everyday account, your is still accessible whenever you need it, even while it's working to reduce your overall interest payments.`` (Ref: )Īnd of course, presumably the offset account grows monthly by interest earned. That makes the simplifying assumption that the offset balance remains constant throughout the loan term. But the following matches the results (attached) at. I am not familiar with loans with offset accounts. New art assets for terminals & airport buildings. Rendering changes, including the algorithm to compute the shadow volume.New electric and remote gyro system commands & datarefs.We now log the complete diagnostics of the ATC system.Weapon improvements & fixes when using them in.Included in a new Cessna 172 version & in the Cirrus SF-50. Quick-look views: There used to be 10 pre-saved viewing locations but now we have 20–enough for plenty of cockpit and exterior presets now.XPD-7574 Commands are back, because people wanted them: “sim/flight_controls/left_brake” & “sim/flight_controls/right_brake”.– AI-only planes will *never* be shown in the aircraft grid. – User-only planes will be hidden by default in the AI planes configuration (for legacy support, users can go into “unsafe” mode and pick AI planes that don’t explicitly support doing so). The default for legacy aircraft is “user-only.” This is configured in the Author window of Plane Maker. XPD-8070 We now allow aircraft to be marked as AI-only or user-only.Joystick & keyboard profiles available to save different set ups per aircraft.Airports with improved scenery in the 11.10b1 release (620 total):.Airports with new user-submitted scenery in the 11.10b1 release (75 total):.New airports with 3-D scenery since the 11.05 release: 534.Total airports with 3-D scenery in the 11.10b1 release: 5351.It also includes numerous bug fixes and rendering changes. This update includes new features such as joystick & keyboard profiles, the G1000, new art assets for airport artists, and landmarks. X-Plane 11.10 is the first major update to X-Plane 11. 3.1.9 Better prop thrust visualization diagnostics.3.1.7 Generator/Alternator improvement:.3.1.4 Slight change and clarification in vacuum pumps:. MTV is an American Pay-Tv channel broadcasting all your favorite music videos and TV shows on channel number 67 on Spectrum. After the purchase is made, you will see the MTV channel on your screen!
If you do not provide this information, it will not be possible to send you newsletters. Mandatory information is marked with an asterisk. In the event of a dispute, you can refer the matter to the Commission Nationale de l'Informatique et des Libertés. These rights can be exercised using the unsubscribe link in newsletters or by email. Top: Algol Hilde Sophitia Xianghua Amy High: CassandraMitsurguri Yoshimitsu Taki Setsuka Lizardman Mid: Asaroth Ivy Siegfried Nightmare Seong Mina Yun Seong The Apprentice Low: Kilik Voldo. You have a right to access and delete it on legitimate grounds and a right of portability over all data, as well as the right to formulate specific and general instructions on the communication of your data after your death. Furthering the argument that the majority of Soulcalibur 4’s roster could beat Jedi are multiple tier lists essentially a. This data is kept until you withdraw your consent and is intended for use by Bandai Namco Europe departments responsible for managing relations with users. Yoda being whipped by fellow magic user, Ivy Image: Bandai Namco. Cervantes has fallen quite a bit since his days as a final boss in Soul Blade.The character is considered low tier in SoulCalibur 6. This processing is based on your consent. If you lose momentum for even a moment, she will quickly fall apart because she is unable to mount an effective defense. Xianghua has no bad match ups, has great mix up combos and all of her moves are very safe with low recovery time. Cervantes is top tier because he deals ridiculous damage and has a lot of combos. Sporting an offensive toolkit, she is all about putting pressure on her opponents the only area she falls short in is defense. Cervantes, Xianghua and Ivy are the kings of this game, while Talim and Yunsung are effectively the 'Mewtwos' of Soul Calibur II. Firstly, I'll start by saying this: Picking a character who is higher on the Tier list will not increase your chances of winning if you simply aren't operating at such a level of play that you are only restricted by the capabilities. Best C Tier Characters in Soul Calibur 6 2B. Pitfalls included a tacky and unresponsive AI. The story mode and voice overs were mediocre, but users didn't seem to complain too much about them. In accordance with Regulation 2016/679 of 27 April 2016, your first name, surname and email address are used by Bandai Namco Europe in order to send you a newsletter and information about Bandai Namco Europe's activities. Comprehensive Tier list, the post you've all been waiting for. Bringing new skills, battle upgrades, weapons, and combat along with refreshing but classic graphics, SC IV managed to stay true to the franchise while introducing online gameplay. Clicking around does select ships and planets so the only problem is that the cursor is just invisible. I can get an idea of where the cursor is by enabling the ‘Shake mouse pointer to locate’ feature of OS X, but that's not very practical. I have tried to force hardware cursor and tried both full screen and windowed, but the cursor remains invisible. I also tried it in OS 9 but same result.Īssuming that the classic version of EV Nova is identical to the OS X one, the cursor should normally be a red cross, obviously not rendered as a typical cursor but as a sprite. It seems the game simply isn't aware of where the actual cursor is until clicking. I guess this is due to the way in which the cursor is emulated. There's a folder called Pilots in the game directory just copy the contents to your new installation. Is there any hack that can fix this problem? A decent workaround would be a way to always force the default cursor. ago The problem is going from EV Classic on Mac to the ported version in Windows. Part II - Resource Descriptions Note: Novas resources all start at ID number 128, but the internal storage for all data file info is zero-based. When I move the pilot file from the Mac it is. Therefore, when a field in the Nova data file is said to refer to a government, stellar object, etc., it refers to it by its index number (starts at 0) unless it is specifically stated that it is referring to the ID number, which starts at 128. Bin so I'm not sure what to do at that point. |
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