This will save you time and show you your actual spending and total budget each time you edit an item. the Google Sheets and Excel versions) have formulas to calculate the subtotals and totals for each of the budget categories. See also: budget planner template with savings Click yes to create and edit your own copy of the template. When you use the Google Sheets version, you will be prompted to make a copy. Google Sheets Budget Template | Excel Version | Budget Template PDF | Microsoft Word This household budget template is available in the following formats: It can also be easily shared with others which is good when you are keeping track of a family budget that needs to be updated by more than one person. Google Sheets is a free alternative to Microsoft Excel. If you don’t have or use Microsoft Excel, then you can use the monthly budget template Google Sheets format. The Excel monthly budget template includes formulas that will calculate the totals in each section. However, you can delete or add any items. The spreadsheet includes most items in the family household budget. Since the text is editable, the free budget printables can be used for any purpose. Spreadsheet: Monthly Budget Planner Excelįree printable budget planner for your home or work budget. We offer a simple monthly budget template in different formats, including Excel, Google Sheets, Word, Google Docs, PDF, or as an image. You can print 12 copies and make a DIY budget book for an entire year to create a monthly budget planner. Use our free monthly budget template to calculate your expenses and income over a one-month period. It is much easier to edit an existing template than to start from scratch. If you need to edit it, then add lines or cells. If you found everything you want, then you can stop here. Each budget spreadsheet template is totally customizable and editable. Select one that is closest to the format you want. There are many different formats and layouts. Select a budget tracker printable from the selection below. Home Budget Worksheet - Our original selection of home budget worksheets.Free Budget Sheet Template How to Make a Budget Spreadsheet.Personal Budget Spreadsheet The 12-month version of the personal budget version.Personal Monthly Budget - Like the one above, but less detailed, and designed to fit on a single page.Family Budget Planner - This is the 12-month version of the household budget spreadsheet listed above.Money Management Template - Record transactions to automatically populate the budget vs.If you add or remove any categories, just make sure that the formulas used for the totals don't get messed up. If your Net is negative, that means you have overspent your monthly budget.Īdding or Removing categories: The household budget template contains a very detailed list of categories, which you may or may not need. The Monthly Budget Summary table totals up all your income and expenses and calculates the Net as Income minus Expenses. If you spend more than you budgeted, the Difference between the Projected and Actual values will be negative, and if your Actual income is less than your Projected income, the Difference will be a negative number. In this spreadsheet, the calculations are set up so that negative numbers are bad. The cells in the "Difference" column use conditional formatting to make negative numbers red. At the end of the month, you record in the "Actual" column how much you really spent during the month. This represents your goal - you're trying to keep from spending more than this amount. You record your desired budget for each category in the "Budget" column. The purpose of this worksheet is to help you compare your monthly budget with your actual income and expenses. You may also want to read the article " How to Budget". Our article " How to Make a Budget" explains how to use these spreadsheets to create your budget. You'll want to replace the values in the Home Expenses category with your own. To use this template, fill in the cells highlighted with a light-blue background (the "Budget" and "Actual" columns). 42 Effective Ways to Save Money Budgeting Tips for the New Year Using the Household Budget Worksheet
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For more information, see Deploy Office LTSC 2021. If you're using MAK to activate Office LTSC 2021, you specify the key in the configuration.xml file used by the Office Deployment Tool when you deploy Office LTSC 2021 to the users in your organization. For more information, see Perform Proxy Activation. MAK proxy activation is appropriate for environments in which security concerns might restrict direct access to the internet or to development and test labs. MAK proxy activation is configured by using the Volume Activation Management Tool (VAMT). MAK proxy activation by using VAMT enables one computer with internet access to process activation requests on behalf of multiple computers. MAK independent activation is best for computers that have direct access to the internet. MAK independent activation requires that each computer independently connect and be activated with Microsoft, either over the internet or by telephone. There are two ways to activate computers by using MAK: After Office is activated, no re-activation is required unless the hardware changes significantly. Each Office activation that uses MAK counts toward the activation limit. MAK activation requires that a MAK is installed on a client computer and instructs that computer to activate itself against those services.Įach MAK has a predetermined number of allowed activations and is based on your volume licensing agreement. Multiple Activation Key (MAK) activation is used for one-time activation through Microsoft-hosted activation services, either via the internet or by telephone. Applies to: Volume licensed versions of Office LTSC 2021, Office 2019, and Office 2016 (including Project and Visio) Some have theorized that the colorful chorus line of lovable teddy bears is also partly inspired by Jerry Garcia's "Papa Bear" nickname. According to his Owsley's personal website, the bears' stride "are quite obviously those of a high-stepping march." The design was created to grace the rear cover of the 1973's History of the Grateful Dead, Volume 1 (Bear's Choice) LP, which featured yet another variation of the lightning skull on its front. * Please note because this item is handmade and a piece of art, no two pieces are identical, but they are close!Īs it turns out, the cuddly bears aren't really dancing, or so said Owsley, the chief inspiration behind yet another Thomas design. After the release of the album, the dancing bears started appearing on Owsley Stanley’s blotter art, which also happened to be in heavy circulation at Grateful Dead concerts. The design was created to grace the rear. These could be used as hanging art, which I include small hanging hooks or simply put him on a shelf and enjoy. According to his Owsleys personal website, the bears stride are quite obviously those of a high-stepping march. Grateful Dead and Dead & Company fans know them well. FREE shipping Add to Favorites Made to order AIKOS bears Dancing bears grateful bears grateful dead show fun wall plaque desk decor (184) 25.00. Bears Choice Album, dancing bears designed to honor bear. Made incredible acid, scientist, sound Man, intellectual, etc. Bears have been part of the dead for a long time. Please note that actual sizes might vary slightly.ģ) Personalization: Pick your choice of color for the Dancing Bear's COLLAR. Grateful Dead Dancing Bear Pillow, steal your face, psychedelic, shakedown street, hippie, tie dye, dead and company, Dead Head, plushie (23) 35.00. Let’s see if unko has any idea what he’s talking about. A gang of thieves can share values, but they are in violation of fundamental principles. Principles are deep, fundamental truths that have universal application.There exists principles that govern human effectiveness.Our paradigms, correct or incorrect, are the sources of our attitudes and behaviors, and ultimately our relationships with others.The more aware we are of our basic paradigms, maps, or assumptions, and the extent to which we have been influenced by our experience, the more we can take responsibility for those paradigms, examine them, test them against reality, listen to others and be open to their perceptions, thereby getting a larger picture and a far more objective view.Sincere, clearheaded people see things differently, each looking through the unique lens of experience.We see the world, not as it is, but as we are – or, as we are conditioned to see it. We like to believe that we see things as they are, that we are objective.Paradigms are the source of our attitudes and behaviors.Conditioning affects our perceptions, or paradigms.(1989) The 7 Habits of Highly Effective People. What do you see? A beautiful young woman with a necklace? or, an old woman with a big nose and a shawl?Ĭovey, S. The 7 Habits of Highly Effective People Summary Effective living requires balance between producing results and maintaining production capacity (the golden egg and the goose).Seek first to understand, then to be understood.Self-mastery and self-discipline are the foundation of good relationships with others. Private victories precede public victories.Between stimulus and response, we have the ability to choose. Everybody views the world through their own unique paradigm. It’s possible to disagree and both be right.More than just a guide on how to be effective, this book will become an instant companion for personal reflection in any stage of life. “Leadership is communicating others’ worth and potential so clearly that they are inspired to see it in themselves.” Stephen Covey’s timeless book on how to live a life rooted in principles will challenge you to think and act in service of others. Potential cardholders technically apply for the Capital One Walmart Rewards card and the standard Walmart Rewards card at the same time to see which one (if either) they will qualify for.Īs mentioned above, the Capital One Walmart Rewards card has slightly higher qualification criteria. Applying for the Capital One Walmart Rewards and Walmart Rewards Cards Hot Tip: For additional options, check out our guide to the best credit cards to use at Walmart. But if you use your credit card responsibly, your credit limit and credit score could increase. Of course, you can avoid these fees by paying the balance in full each month.įinally, if you’re still working on building your credit, you’ll probably be given a low credit limit, which means you won’t be able to spend much on the card. These can add up quickly and put you in a serious bind. So even using it to pay at Walmart and approved gas stations can mean money back each month, especially if you spend there often!Įven though there’s no annual fee, the Capital One Walmart Rewards card and the standard Walmart Rewards card have high APRs and late fees. If your credit history isn’t strong enough for the Capital One Walmart Rewards card, you can’t earn cash-back outside of Walmart (which limits the card’s usefulness). That being said, if you visit physical Walmart stores frequently, the statement credit could quickly add up. For example, cardholders can only receive 2% cash-back for using their cards at a Walmart store. Other drawbacks certainly apply to this card. $10 or 3% of each cash advance amount (whichever is greater) There are a few cons to consider before applying for either card.įees: Here are the current fees/penalties that you might incur. Access to special 6-12 month financing optionsįees and Drawbacks of the Walmart Rewards Cards.$0 Fraud Liability for unauthorized charges.Other companies charge up to $20 to check your score, so this could be a handy advantage.Free online FICO ® credit score checks anytime by signing up to electronic statements.Additional Features of the Walmart Rewards Card Optionsīelow are additional perks offered with both Walmart cards: You can find out more about the application process below. Since the Capital One Walmart Rewards card is slightly more difficult to qualify for, some applicants will automatically receive the standard Walmart Rewards card, which targets consumers with low to fair credit scores looking to build their credit. And finally, Capital One Walmart Rewards cardholders are eligible for cash advances (with a variable APR), while standard Walmart Rewards cardholders are not eligible. The standard Walmart Rewards card is only accepted at Walmart stores,, and Walmart and Murphy USA gas stations.Īnother difference: some Capital One Walmart Rewards cardholders may receive a lower APR depending on account type. The Capital One Walmart Rewards card can essentially be used anywhere you like - meaning that you’ll get rewarded for purchases made virtually anywhere Mastercard is accepted (albeit marginally, at 1%). Walmart has 2 branded cards, which have virtually the same benefits with just a few main differences. 5% Walmart Pay for 12 months on in-store purchases. 2% at Walmart Stores, Walmart, and Murphy USA Fuel Station.5% at and in the Walmart app, including Grocery Pickup and Delivery.5% with Walmart Pay for 12 months on in-store purchases.2% at Walmart Stores, Walmart and Murphy USA Fuel Stations, Restaurants, and Travel.5% at and Walmart app, including Grocery Pickup and Delivery. These last three metals are not listed explicitly in Table 2.1.2, so they are present in the body in very small quantities. Cobalt is a necessary component of vitamin B-12, a vital nutrient. Manganese is needed for the body to metabolize oxygen properly. Copper is also needed for several proteins to function properly in the body. Zinc is needed for the body’s immune system to function properly, as well as for protein synthesis and tissue and cell growth. Other transition metals have important functions in the body, despite being present in low amounts. It is the presence of this particular transition metal in your red blood cells that allows you to use the oxygen you inhale. Each hemoglobin molecule has four iron atoms, which act as binding sites for oxygen. The crucial atom in the hemoglobin protein is iron. Hemoglobin is a relatively large molecule, with a mass of about 65,000 u. Hemoglobin combines with oxygen and carbon dioxide, transporting these gases from one location to another in the body. The critical part of the red blood cell is a protein called hemoglobin. Without red blood cells, animal respiration as we know it would not exist. Red blood cells are cells that transport oxygen from the lungs to cells of the body and then transport carbon dioxide from the cells to the lungs. The chemistry of iron makes it a key component in the proper functioning of red blood cells. Transition metals have interesting chemical properties, partially because some of their electrons are in d subshells. Because iron has relatively massive atoms, it would appear even lower on a list organized in terms of percent by atoms rather than percent by mass. The first element appearing on the list that is not a main group element is iron, at 0.006 percentage by mass. Most of the elemental composition of the human body consists of main group elements. To Your Health: Transition Metals in the Body Each group is located in a different part of the periodic table. Elements are either metals, nonmetals, or semimetals. If you're using 32-bit Office and 64-bit Windows:Ĭscript "C:\Program Files (x86)\Microsoft Office\Office16\OSPP.VBS" /dstatus If you're using 32-bit Office and 32-bit Windows, tryp following comamnd:Ĭscript "C:\Program Files\Microsoft Office\Office16\OSPP.VBS" /dstatus Now type the corresponding command as per your Windows configuration from the following list and press “Enter” Open the Command Prompt (Admin) or PowerShell (Admin). Office 2016 or 2013 Product key can be found out through Command prompt on your computer after the Office package has been installed, but first of all, you need to know the bitness of your Office (32- or 64-bit). Find MS Office 2016/2013 Product Key using Command Prompt #4 : Check/View Office 2016 Product Key without Software.#3: Find Office 2016 Product Key in Registry.#2: View Your Microsoft Office 2016/ 2013 Key on Your Office Account.#1: Find MS Office 2016/2013 Product Key using Command Prompt.So we will give 3 ways to help check and view MS office 2016 product key, also you can try these Microsoft Office Professional Plus 2016 Product key free. Unfortunately, Microsoft changed the way it store the Keys beginning with Office 2013, storing only part of the Product Key on your local computer. Yes, you’re right! Microsoft Office 2013, 2007 Product Key is encrypted and stored, in the Windows Registry, so it’s possible and simple to locate the product key in Registry, but what you find is an encrypted text and you can’t access and view it. If you’ve updated or re-installed your Windows and need to reinstall MS Office 2016 program again, you should find out Office 2016 or 2013 product key first then continue the installation.īut what to do if you have lost or forgotten 25-digit code key? Your first thought might be that Windows Registry. Try it and see if it works.When you purchases MS Office from the Microsoft store, it comes with activation or product key which can be used to activate the application during the installation process, without it, you will neither get the free updates nor official support, even restrict certain functions. I have no idea how something like that is remotely possible, much less how it happened, but that's how we solved an issue very similar to yours. Not only did Word open, but it automatically installed itself on the fresh installation of Windows AND used the customer's existing product key. Out of sheer desperation, we ran the executable file for Word that we had stored in the data transfer file. Because we transfer everything, the program files for all programs are physically present, but since they aren't properly installed, the vast majority of them do not run optimally.Įxcept for Office 2013. When we transfer personal data, we transfer everything on the hard drive to their new computer, primarily because users tend to put their personal documents in the weirdest of places. Nevertheless, we tried to find a solution by pulling a product key, and despite using every program on the market, not a single one managed to pull a full product key. Afterwards, he demanded that we reinstall his copy of Office 2013 that we deleted, despite the fact that we told him that his programs would not transfer alongside the rest of his personal data during the factory reset. Once, I performed a factory reset on a customer's laptop. Are you able to transfer the contents of the hard drive elsewhere before you reimage? You being in control of almost everything, should enjoy this brilliant game because of its super cool nature and the depiction of life on earth and species that takes you to back to the beginning of life. Species: Artificial Life, Real Evolution basically bases on three main principles of Life and Evolution, Variation that states that every creature is unique and it is written in its genes, Mutation that tells the difference between the parents and the children, and Natural Selection that tells the story about how the nature and environment affects every creature and influences their struggle to survive in all kinds of situations. The game offers a close to nature type of game world in which you’ll definitely witness the life and its evolution by the use of scientific means. Species: Artificial Life, Real Evolution is a wonderful combination of Life-Simulation, Action, RPG and RTS elements and provides with a brilliantly adictive and quite immersive gameplay experience. With all the amazing visuals, realistic sounds and an addictive gameplay, Spore is a fantastic Simulation to enjoy. Spore offers Open-ended gameplay along with an open world environment, procedurally generated world, loads of options to build and destroy things, objects and structures etc. Help the specie thrive in an unknown environment, learn to explore, when enough intelligent, build spaceships and Sci-Fi structure and go on exploring the interstellar galaxies and stars etc. According to the storyline, the game allows you to help a specie with its development, keep an eye on it from its begging as a microscopic organism to a full grown. With an amazing Open-Ended game-play, superb visuals, amazing storyline and other wonderful characteristics, Spore is a brilliant Life Simulation to play and enjoy. It allows you to Develop, create and control different species, Explore different cultures and enjoy being part of the world that truly is created by yourself. Spore is a wonderful RTS, Action-RPG and Fantasy-based Life Simulation developed by Maxis. The 10 New Games in Pretty Good Solitaire v22.0Ĭloud Cell, Echo, Fan Nine, Fhantom, Ground Spider, Hercules, Jumbo FreeCell, Number Eleven, Ten by Three, Winter Squash. The 10 New Games in Pretty Good Solitaire v21.0īuffett, Camel Spider, Gray Tabby, Klonfield, Magnus, Seven by Two, Six by Three, Sixty Knights, Ten by Four, Triskaide. The 10 New Games in Pretty Good Solitaire v20.1Ĭhallenge Klondike, Corona Rush, Indian Thirteen, Japanese Rug, Lazy Susan, Osmotic Klondike, Rerun, SuitCell, Triple Australian, Triple Golf. The 15 New Games in Pretty Good Solitaire v20.0Īgnes Four, Calico Bandits of Cairo, Captain's Patience, Forty Winks, Grigory, Leicaster, Nine by Four, Patience's Royal, Persimmon, Pumpkin Spice, Quadruple Demons, Quadruple FreeCell, Rochester, Scorpion Cells, Unlimted Alternative. Midnight Sun, Devil's Yukon, Janet's Bisley, Doubtful Pairs, Agnes Two. The 5 New Games in Pretty Good Solitaire v19.2 The 10 New Games in Pretty Good Solitaire v19.0 The 40 New Games in Pretty Good Solitaire v18.0 The 10 New Games in Pretty Good Solitaire v17.2 The 10 New Games in Pretty Good Solitaire v17.1 Play new challenges every day with Daily Quests! You can change theĪ wizard allows you to create your own solitaire games. Lush backgrounds and large easy-to-read cards make playing solitaire a visual delight. Beautiful card sets, create your own games, and play Daily Quests! You can submit your statistics to the web siteĪnd see how you rank against other players. That game again it will play the game back for you to where you left off. Leave a game while it is in progress and Pretty Good Solitaire will save it for you - when you enter Unique quick right button mouse clicks to move the cards.ĭon't settle for just being able to undo one move again, with Pretty Good Solitaire you can undoĮvery move and redo them again if you wish. Pretty Good Solitaire is easy to play, giving you the choice of the standard drag and drop or its Play full screen with complete undo and easy right click quick play! If the goal is to get your loan paid off faster and to save money in the process, no-cost refinancing might not be the best solution. You generally end up paying slightly less if you pay the fees up front, since sometimes you end up repaying them with interest if they're amortized with the rest of your loan. No-cost means that the fees aren't upfront, but either built into your monthly payments or exchanged for a higher interest rate. You also need to consider how no-cost refinancing affects amortization. When considering whether to refinance, you have to figure out whether the savings you'll get will be more than the amount you have to pay to refinance. You also have to pay several fees, which depend on the state and lender. When you refinance a loan, either to get a lower interest rate or to change the loan's time period, you have to pay a small percentage of the amount of principal you have left. It may increase more than you can afford, which is what prevents people from refinancing to a shorter-term loan. This accelerates your payments and reduces your interest, with one serious drawback: Your monthly payment increases. Refinancing is how you change the schedule on which you're required to pay off the loan, say from 30 years to 20 or even 15. If your loan is set on a 30-year time period, as are most mortgages, one way to use amortization to your advantage is to refinance your loan. A shorter payment period means larger monthly payments, but overall you pay less interest. A longer or shorter payment schedule would change how much interest in total you will owe on the loan. The monthly payments you make are calculated with the assumption that you will be paying your loan off over a fixed period. One significant factor of amortization is time. Initial monthly payments will go mostly to interest, while later ones are mostly principal. How much of that monthly payment goes to interest and how much goes to repaying the principal changes as you pay back the loan. To keep loan payments from fluctuating due to interest, institutions use loan amortization.Īmortization takes into account the total amount you'll owe when all interest has been calculated, then creates a standard monthly payment. Basically, the less principal you still owe, the smaller your interest is going to end up being. The amount of interest you pay on the borrowed money, or principal, changes as you pay back the money. When you get a loan from a bank or a private financial institution, you have to pay interest back on the money you borrow. You can also take advantage of amortization to save money and pay off your loan faster. Loan amortization doesn't just standardize your payments. Your loan may have a fixed time period and a specific interest rate, but that doesn't mean you're locked into making the same payment every month for decades. How to Accelerate Repayment with Loan Amortization |
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