Results shown are for illustrative purposes only and are limited to the accuracy of the information provided. Before acting on this calculation you should seek professional advice.Īny calculation made by you using this calculator is intended as a guide. Our lending criteria and basis upon which we assess what you can afford may change at any time without notice. Your borrowing power amount may be different when you complete a full application and we capture all details relevant to our lending criteria. This calculation is not an offer of credit, but an estimate only based on the information you provided of the loan and monthly repayments required to purchase your next property and it does not include all applicable fees. The calculation is not an offer of Credit. The results generated by this calculator are subject to the disclosures below. The purpose of this calculator is to provide you with general information about the amount of usable equity you have in your property and the estimated loan and monthly repayments required to purchase your next home based on the information you provided. The above rates exclude any LVR discounts available for new loans. That is of course not something in your direct control, although it’s a good idea to think strategically about where prices are most likely to go up when researching and buying property in the first place. If the market works in your favour, you may find that you also build equity through asset appreciation – or in other words, an increase in the market value of your property. And yes, you can use existing equity to further increase equity, making it a virtuous cycle of sorts. You can also boost equity by increasing the value of your home proactively – this can be through renovations, extensions or cosmetic improvements. If you have a fixed rate loan, keep in mind that there’s a limit on the total amount of additional repayments you can make before break costs apply. ![]() The most obvious one is paying down your mortgage with additional repayments, which reduces the amount you owe on your loan while increasing the portion of the property that you actually own. There are some smart ways in which equity can be bumped up. Learn more about how to unlock equity here. Most lenders require you to provide proof of your financial situation to correctly understand your borrowing power and also how you’re planning to spend the money when unlocking home equity, to ensure that it is being used responsibly. The flipside is that using your equity for purchases or short-term projects may increase the term of the loan, which means you may pay more interest over the loan’s life than if you were to use a personal loan with a fixed term. One of the main benefits of using equity for big expenses is that you are still charged home loan interest rates for the debt, which may be lower than other loans. Adding these balances to your home loan may result in you paying more interest on the debts over the life of the loan. ![]() Also note that using equity to pay off other debts could mean you have a longer loan term than if you were to focus on paying down those debt accounts individually. Keep in mind that your bank may have limits and conditions in place for how you use your equity, depending on the purpose. Fund lifestyle expenses such as a holiday.Cover major expenses, such as medical bills, education or a new car.Pay off other debts like loans or credit card bills.Invest in shares, bonds, mutual funds or similar financial instruments. ![]() One common use of equity is towards a deposit for a new property.
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No need to download, install, and fiddle with codecs.Īll in all, we understand why VLC ranks as one of the most popular GitHub projects to date. It can stream video URLs in real-time, and it can play all standard media types, including CDs, DVDs, and most popular video formats like MP4, AVI, and MKV. The downside? VLC verges on "bloated" status and may not offer the best performance on older, slower hardware.īut if you hate tinkering and just want a media player that's free and works right out of the box, VLC is the answer. "All-in-one solution" describes it best, and you can do a lot with it, particularly with all of the advanced settings and options to tweak. But is it right for you? Maybe, maybe not. If you look on a site like AlternativeTo, you'll see that VLC ranks up top with over 7,000 Likes. Best alternativesĪlternative media players like VLC Media Player, PotPlayer, and MusicBee offer more comprehensive solutions for users seeking advanced features, extensive customization options, or broader format support.VLC Media Player is the most popular media player in the world. With its user-friendly interface and large functionalities, WMP offers a convenient and powerful platform to manage and access your digital library of music and movies. Windows Media Player, a comprehensive audio and video management solution developed by Microsoft, empowers users to play and organize their multimedia content smoothly. It also offers a burning feature to create audio CDs from music libraries. WMP allows ripping audio CDs to MP3 or WMA format, creating custom music compilations. While it lacks advanced video playback features like subtitles or chapter selection, it provides basic playback functionality. Video playbackĪlthough not its primary focus, WMP also plays video files in various formats like AVI, WMV, MOV, and MP4. The built-in " Enhancements" feature also improves the audio quality by adjusting audio effects. It offers customizable playback options like equalization, crossfading, and volume normalization. WMP supports audio formats, including MP3, WMA, AAC, FLAC, and WAV. Features like smart playlists, album art fetching, and metadata editing enhance the user experience. WMP boasts a robust music library management system, enabling users to easily browse, organize, and play their music collections. ![]() Let’s take a closer look at Windows Media Player features: Music library management This veteran music player app has many different features: With its intuitive interface, diverse media compatibility, and powerful library management features, WMP remains a trusted companion for many Windows users. So, whether you're a music enthusiast, a movie buff, or simply someone who wants to organize their digital memories, Windows Media Player is a versatile tool that caters to your needs. ![]() WMP puts your entire entertainment library at your fingertips, making finding and enjoying your favorite content easier. Create custom playlists, build video collections, and manage your digital library efficiently. Navigate through folders, zoom in on details, and even share your photos with friends and family, all within the familiar WMP interface.īeyond playback, WMP also functions as a media library, keeping your music, videos, and images organized. WMP doubles as a photo viewer, allowing you to browse your cherished memories easily. ![]() Enjoy your favorite movies and TV shows in stunning clarity, brought to life by WMP's advanced video rendering capabilities.Īnd let's not forget about your image collection. It's also a powerful video player, capable of handling various formats, from classic AVI and MPEG-4 to modern H.264 and HEVC. Whether you're looking to rock out to your workout playlist or immerse yourself in a captivating audiobook, WMP delivers crystal-clear audio that faithfully reflects the original recordings.īut WMP doesn't stop at audio. It seamlessly plays various audio formats, from your favorite MP3s and CDs to high-fidelity FLAC and WMA Lossless. WMP serves as a gateway to your digital entertainment world. But its reach extends beyond desktops, offering Pocket PCs and Windows Mobile devices functionality. It's a comprehensive media solution developed by Microsoft, specifically for its Windows operating system. Windows Media Player, fondly known as WMP, is more than just a media player. What is Windows Media Player, and why is it used? ![]()
![]() So This is a vital part of the device that offers all. Everything reflects the extremely good use of the universe and took a long time to enhance. Omnisphere Crack improves many functions and manages to what appears inner or in shade. The ultimate sort of lifestyles, the fashion of operator, energy, various phrases or causes. Omnisphere Keygen acts as a plug-in for VSTi RTAS such as Flex Studio, Ableton Live, Logic, GarageBand. Omnisphere 2 Crack Omnisphere 2.5 Crack + Keygen Free Download Your software should then be validated, fully unlocked and ready to use. Paste the response code into the relevant box in Omnisphere.Paste the challenge code into the Omnisphere response code keygen and hit “generate”. Right click to run the crack file as an administrator.Then paste it into the main Omnisphere 2 directory on your machine. Locate the crack file, it should be in a folder named “crack”, right click on it and copy it.Then double-click to run the software, which will then give you the Omnisphere challenge code. ![]() Once installed, run the update files you previously downloaded from Spectatronics. This Omnisphere 2 crack works on Mac and Windows.
![]() These will occupy any room that has a door, a table, a chair, and a light source, so you’ll have to relocate them if you don’t want them living in your house. To get rid of any Platform, you’ll need to use your Pickaxe.Īs you decorate your house and fill it with furnishings, you may notice a NPC merchant or two move in. Then you can use your Hammer on the Platform to turn them into stairs facing either directions. Complete Terraria NPC house requirements, design tutorial & ideas guide Focusing on how to build basic housing + tips to create a compact hotel or village. You can do this easily by building a small wall of blocks, getting rid of three of them in the middle, and then placing the door in the newly created hole.įor stairs, you’ll need to place Platforms in a diagonal pattern. Im not hating on this awesome build, though. The smallest size you’re able to have is 3 blocks wide, 10 blocks high. To place a door, you’ll need a block to hold it up on both the top and bottom. Its starter houses like these that make me think that experienced Terraria players just make something and pretend that they are new to the game. Here are the Terraria starter housing requirements you will need to meet: Must have at least 60 blocks, but less than 750. Using blocks, you can make a square room around you to shield yourself for an evening, but eventually, you’ll want to turn your house into a base of sorts with different crafting stations and chests to store items. Blocks are the squares that make up the terrain in Terraria, and you can pick them up using your Pickaxe. This mammoth construction contains clearly designated storage space for every commodity found in. Walls will place walls behind you, which allow you to hang torches, paintings, and other wall decorations. The Vault, created by Meal Ticket is absolutely the last word in Terraria storage. Note that blocks and walls are two different things. Check it out, might give you some more ideas Now to figure out where to add some pearl wood. Its awesome trying to mix building materials, stone slabs in the basement holding the house up, rich mahogany for my npcs (nothing but the best) and some boreal for the side entrance. To make a house that will shield you from monsters, all you need are blocks of any kind. Building houses is one of my favourite parts of terraria. Our Terraria house building guide explains how to build a house using blocks and walls, as well as add details like doors and stairs to your base. The Copper Shortsword is given to the player at the beginning of the game (Wooden Sword on the Nintendo 3DS version Iron Shortsword in Journey Mode). ![]() One of the first things you’ll want to do in Terraria is make a house, so you can hide out from monsters at night. Swords are the players basic melee weapon, available from the beginning of the game. ![]() This is the place to pick up some of the region’s nuttiest produce, from walnut breads to walnut wine. MartelĬall in to the heart of the Lot department’s walnut trail. For the best view, drive or walk to the other side of the gorge to see the village in panorama. The stone and half-timbered houses, steep lanes and dramatic geography make it a true sight to behold, and a spiritual one, too follow in the footsteps of pilgrims and visit the Chapelle Notre-Dame and its statue of the Black Madonna. Trace the Dordogne east to the awe-inspiring pilgrimage site of Rocamadour, whose tiny houses and monastic buildings are pinned to a cliff overlooking the River Alzou, a tributary of the Dordogne. On Saturdays, crafts, brocante (second-hand goods) and clothes are also on offer. Toasted chestnuts are another highlight, as well as the voluminous pumpkins and other fresh vegetables. Food-lovers will revel in the local produce available in autumn, this means walnuts in all their glory, such as gateaux de noix (walnut cakes) and fragrant bottles of walnut oil. As you descend, you’ll have a 360-degree view of the awe-inspiring and beautifully lit stalactites and stalagmites, but those who prefer to keep their feet on solid ground can take it all in from designated pathways.Ī short drive away - at the heart of the Dordogne - is the medieval town of Sarlat-la-Canéda, where superb markets are held each week on Wednesdays and Saturdays. The Gouffre de Promeyssac is up there, too, and allows visitors to descend into the vast underground cavern known as the ‘Cathedral of Crystal’ in a gently rotating basket (like that of a hot-air balloon). The Dordogne is pocked with extraordinary caves, from the exquisite replica of the cave paintings at Lascaux IV to the Rouffignac’s ‘Cave of the 100 mammoths’. Keen to learn more? The chateau’s new Pavillon des Arômes gives visitors the chance to taste under the guidance of wine experts. ![]() The rich, golden, honey-noted Monbazillac dessert wine develops its sweetness thanks to so-called ‘noble rot’, a type of fungus that has been deliberately cultivated because it causes the grapes to shrivel like raisins. Toast the start of a trip with a glass of local wine at the turreted Chateau de Monbazillac. From nut-studded bread to nutty oils, this humble nut is particularly celebrated in the town of Martel, where the most delicious reward at the end of a day’s exploring is a glass of vin de noix (walnut wine), sipped on a restaurant terrace in the evening sun. The valley continues into the Lot department, where its banks have been home to walnut groves for a millennium. This corner of southwest France is best experienced on a four- or five-day road trip, starting in Bergerac and ending in Brive-la-Gaillarde, following the Dordogne as it loops past vineyards, clifftop chateaux, immaculate gardens and mysterious subterranean caves along the way. It’s a time to indulge, too, for local markets abound with produce: glossy vegetables, golden walnut oil, tins of duck confit and local wine. The forested banks of the eponymous river turn a riot of colour at this time of year, and the lanes of its golden-stone villages are bathed in rich, equinoctial light. The Dordogne is one of France’s best destinations for autumn. ![]() This article was adapted from National Geographic Traveller (UK). ![]() The latter is a high-end scanner that finds threats that are difficult to detect.Īpart from these features, Norton 360 Deluxe also comes with a password manager that lets users create and store passwords of different accounts. It comes with three scanners, along with a power eraser option. You can also use the software to scan your device and identify and eliminate threats. You can see the status, time, and date of all the security-related tasks that have taken place on your computer. With the help of the Norton 360 Deluxe, you can keep a check on your PC and ensure that it works faster without any glitches.įurthermore, you can get a full report on the security of your PC. The software finds and fixes problems in your PC’s disk space, operating system, RAM, network, and more. One of the best things about downloading Norton 360 Deluxe is that it lets you get an overview of your Windows computer. What are the security features of Norton 360 Deluxe? In addition to this, the software offers three scanning options - Quick Scan, Full System Scan, and Custom Scan. Named MyNorton, the application’s window consists of six core features - Device Security, Cloud Backup, Password Manager, Parental Controls, Secure VPN, and Dark Web Monitoring. What about the interface?Īfter completing the Norton 360 Deluxe download, you will get access to its user-friendly dashboard. Norton 360 Deluxe protects up to five devices and offers 50 GB of cloud storage. The only difference between the three Norton 360 products - Standard, Deluxe, and Premium, is the number of devices that are protected and the cloud storage offered. ![]() Norton 360 Deluxe is an antivirus solution that offers protection for up to five devices, including smartphones, macOS computers, tablets, and Windows PCs. What can users expect from Norton 360 Deluxe? Compared with alternatives like Quick Heal AntiVirus Pro, McAfee Total Protection, and 360 Total Security, Norton 360 Deluxe stands out for offering a range of security features within budget. When you complete Norton 360 Deluxe download, you will be able to use the software to find and fix issues on your computer, enable VPN, manage passwords, create secure cloud backups, and set parental controls. Even so, I think that using it for application software is a bit less ethical, even if you get that product key prompt every time. Security software apps (antivirus, mostly) have been marketed by this scheme for years. For most practical purposes, though, installing OOo will cover your needs, is less trouble to acquire, and has a more familiar user interface (more "traditional", so unless you really like the 2007 "ribbons", you'll feel right at home with it at once). If you were told at purchase time that MS Office 2007 was part of the package, for the sake of principle you could go back to the store and request that product key. "The" solution to gain access to your files after that is to buy a user license for MS Office. When expired, bypassing the dialog gives a locked down interface.) That's enough time to do quite a lot of work, which you then lose access to (more or less) when MS Office is locked. ![]() (In the trial period you can bypass the product key dialog. It's also free to download, and in most cases it works for 60 days before it's locked. If your laptop is like most laptops these days, MS Office trial came "free" preinstalled. ![]() ![]() Split from the tutorial, moved to beginners. When i went to get on Microsoft Office 2007, it asked for a product key when it was already up there without a disc. Stevlina wrote:Microsoft Office 2007 came free with my laptop and it asks for a product key? I have Windows Vista Basic with a e machines laptop. ![]() Amnesia: The Bunker (Dog Tag Randomizer).Age of Empires II: The Age of Kings / Age of Empires II (2013) / Age of Empires II: Definitive Edition (HyperRandom).Super Adventure Island II (abyssonym's).Adventure - See at end of list: Multi-series, Connected worlds.Advance Wars 2: Black Hole Rising (Ephraim225's).The Elder Scrolls IV: Oblivion (Leveled Armors and Weapons Randomizer)įor older changes, you may consult the full changelog.System Shock 2 / Secmod (mod) (Sarge945's).Shadow the Hedgehog (MainMemory & dreamsyntax's).OpenMW (The Elder Scrolls III: Morrowind open source port) (World Randomizer). ![]() OpenMW (The Elder Scrolls III: Morrowind open source port) (Fancy Door Randomizer).Mass Effect 2 (Legendary Edition) (ME3Tweaks's).Kingdom Hearts: Chain of Memories (gaithern's) - Requires Archipelago.Final Fight AE CPS2 (Final Fight hack) (FFAEE-C2) - Game editor with bundled randomizer.Digimon Story Cyber Sleuth: Complete Edition (zeak6464's) - Source code.AM2R (Metroid fangame) (added to Randovania).Touhou Luna Nights / Record of Lodoss War: Deedlit in Wonder Labyrinth (Ladybug Randomizer).SWAT 4 (Infinite) - Original release forum post.SpongeBob SquarePants: Battle for Bikini Bottom (GameCube) (BfBB AP World) - Requires Archipelago.Mega Man X6 (Tweaks Patcher) - Modding tool with bundled randomizer.Fire Emblem: The Sacred Stones (Illusory Dungeon).Europa Universalis IV (Religion Randomizer).Europa Universalis IV (Randomizable World).Age of Mythology: Extended Edition (Steam Workshop - Map Scripts).Lingo (Brenton Wildes) / Pokémon Emerald Version / Doom II / Shivers / Heretic / Landstalker: The Treasures of King Nole / Final Fantasy Mystic Quest (added to Archipelago).The Legend of Zelda: Majora's Mask 3D (MM3D_Randomizer.The Battle of Olympus (Item Randomizer).Super Mario RPG (Switch) (ObsidianMaker's).Pokémon Mystery Dungeon: Red Rescue Team (Suguivy's).KuruKuru Kururin (KuruKuruKurandomizer).This subset only shows recently added entries from the past 3 months, with the most recent ones on top, with the exclusion of obsolete ones. Last revision: Official Discord Community Server Expanded content and tones of new choices: Discover additional regions, storylines, and side quests – as well as new optional missions.The BIG List of Video Game Randomizers | Guillaume Fortin-DebigaréĮxhaustive list of all known video game randomizers.Never play the same game twice: Once you finish your adventure, go back and try the experience again, forging your character and thereby a new tale with unexpected twists and turns, new skills, powers, influences, allies and enemies.Hone your character with scores of unique skills and extras: Master new abilities and add possessions as you develop.Interact with teeming cultures, creatures, and citizens from various towns and cities. Explore and shape a living, evolving world: Champion or manipulate an ever-changing land with competitive and cooperative heroes, dynamic weather systems, and deformable environments.Interact with a living world of people, places, and event all reactive to you. Build your living legend: Through deeds and actions, build a name for yourself across the land.Weave death from the elements, as you harness the dark arts of the arcane. Hunt your quarry using subterfuge and stealth. Master an array of deadly weaponry as you hone the art of blade-craft. Engage in intense real-time combat: Collect battle scars as you duel with a world of cunning foes and deadly creatures.Skulk in the shadows, and watch your skin bleach. Weave the dark arts, and witness power crackle at your fingertips. Ply the way of the sword, and see your muscles bulge. Forge a hero based on your actions: Age and evolve a hero or villain through the actions you choose and the path you follow-be it for good, evil, or in-between.Each person you aid, each flower you crush, and each creature you slay will change this world forever. Earn scars in battle and lines of experience with age. Obesity follows gluttony, and skin tans with exposure to sunlight and bleaches bone-white by moonlight. Force of will increases with each work of wit. Muscles expand with each feat of strength. Choose the path of righteousness or dedicate your life to evil. Grow from an inexperienced adolescent into the most powerful being in the world. Create your life story from childhood to death. About This Game Fable® is a groundbreaking roleplaying-adventure game from Peter Molyneux, in which your every action determines your skills, appearance, and reputation. ![]() Chicken with stir-fried broccoli? Steak with steamed asparagus? Be imaginative and try new things. What will you add to that? Meat? Chicken? Vegetables? Sauce? One way to come up with menu plans is to start with something like pasta or rice. I generally go to either tried and true recipes, or I access my Good Eats Pinterest board for new ideas. I love cooking AND I love Pinterest! So ideas for meals are not hard for me to come up with. Let me give you some direction when it comes to planning your meals for your family. It all depends on how much you like cooking for your family. Once you have it done you are well on your way to success! Scroll down to the bottom of this post for your downloadable meal planner with a grocery list.Īgain, this is the most time-consuming part of getting your meal planning strategy figured out. ![]() How many days per week will you need to make meals?.How much time do you like to spend in the kitchen?.Will you be sitting down as a family for a full meal?.Are your kids in a lot of after-school activities that need quick on-the-go meals?.Do friends drop by often and eat at your house?.Trust me when I say that this will become natural and will require very little thought once you get going, but to start you might need to take some time to figure out what is needed. Where and how do you start? You need to ask yourself a number of questions to find that out. and do one big shopping trip will keep you in control of both your diet and your finances. Taking time on the front end to plan a menu, write out a shopping list, check for sales. This is because you have a plan and you are working it. Meal plans are a great way to save time and live in less stress. ![]() Instead of heading to the grocery store each and every day you can use that time to cook healthy and delicious meals. When you are flying by the seat of your pants every day it is much easier to buy frozen pizza bites rather than taking the time to make a real dinner for your family. You will also find yourself eating more “real food”. You will be left with fewer opportunities to impulse buy and you will be more inclined to save money simply because you aren’t eating based on your cravings. Going to the store with a shopping list once a week will save you money no matter what. There are a number of reasons why menu planning will be helpful. It is free and it will help you implement getting organized in the kitchen. So, basically, it is hard to go wrong when you add meal planning to your life! Scroll down to the bottom of this post for your free weekly meal planning printables. In general, meal plans also lend themselves to healthier eating which leads to a healthier “you”. Start slow and you will get to your finish line! It all adds up to better organization and saving money. If you are anything like me I get overwhelmed with new techniques that require too many new things on my part. Believe it or not, it is simple but I do suggest that you take it slowly and add one or two new strategies at a time. One question I know you have is, “How do I start meal planning?”. And do I need to mention that this is no fun? This is where having a weekly menu plan and a grocery list will go a long way to saving your sanity (and some money too!). I don’t know about you, but if my meal planning is off, a bunch of things are off! My budget tends to be a bit haywire, my diet goes out the window and every night I am running around trying to figure out what to feed people. Free Weekly Meal Planner With Grocery ListĮach week I sit down and make a menu plan for the week. |
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