![]() If it’s below the lowest mark, you need to add oil per instructions in the owner’s manual. When you take it out again, oil should be visible on the dipstick between two sets of marks or on a crosshatch. On level ground after the car’s been resting at least 5 to 10 minutes, open the hood, remove the dipstick, wipe it off with a clean, lint-free cloth, then insert it back into the tube. Oil Level – Even if your car’s oil has recently been changed, it’s a good idea to check it before heading out. Save money by performing these simple checks yourself, but be prepared to head to the shop if you find anything out of the norm or you’re not comfortable in any way. Most tire shops and auto repair shops offer road trip service packages, which will cover everything from air conditioner refrigerant to brakes, to oil and coolant and general roadworthiness. Just take it easy to start and give yourself and fellow motorists plenty of time and space to react until you’re up to speed, literally and figuratively. Your vehicle will also handle differently when it’s fully loaded, and its braking characteristics may change as well. It will probably be less than normal, especially if you’re towing something or have added storage atop your roof rack. It’s your car so you already know it, right? Well, if you haven’t had it on a long road trip before-especially one with the whole fam and all their gear-you may need to figure out what kind of gas mileage you’ll get. Ice Scraper (a Costco card works in a pinch)īefore you hit the road, it’s important to make sure your car, truck, SUV or motorhome is up to the task.At a minimum, you should have the following: Roadside Emergency Kit – Either build one yourself or pick one up at an auto parts store or online retailer. Read about How to Make a First Aid Kit on the Red Cross website. Also, some toll roads have a surcharge for license plate tolls (versus stopping at the booth) or just don’t even have pay-by-mail options.įirst Aid Kit - Whether you buy a premade one or want to build one yourself, it’s important to prepare for everything from cuts and scrapes to serious injuries, because you never know when an accident is going to happen. Spare Coins and Paper Money - While you probably don’t use any paper money in your day-to-day interactions at the grocery store, restaurant or coffee shop, there are still places that don’t accept credit/debit cards (We know, right?). And in an emergency, you can always use the “Oklahoma” and “Nebraska” pages to start a fire or wipe up a spill. Still a good idea to have a backup road atlas just in case you’re out of range of a cellular network and your in-car navigation hasn’t been updated since the Obama administration. Paper Maps - Do they still make these? Just kidding. Some hotels also offer the option to make late cancellations (for a small fee), which might be worth the cost if you don’t want to go all-in on insurance, but still want to retain some peace of mind. If you can afford it, it’s great to have in case things like natural disasters, illness, theft, or other unforeseen circumstances prevent you from going on your trip. Trip Insurance – Yes, trip insurance is even valid for road trips.Owner’s Manual – You never know when some random combination of buttons on the remote will suddenly lower all your car’s windows, or when your steering wheel will lock due to a tripped safety sensor.Travel Tip: Try not to have anything in your car with your home address printed on it. ![]()
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![]() Double click inside the HuniePop v1.2 folder and run the setup application. ![]() zip file and click on Extract to HuniePop v1.2.zip (To do this you will need 7-Zip, which you can get here, or you can use the built in windows extractor). This entry was posted in Indie Games, RPG Games, Simulation Games, Strategy Games and tagged HuniePop, HuniePop Uncensored, HuniePop Uncensored Free Download, HuniePop Uncensored Patch, Skidrow Repacks on Jby SKIDROW. Once the game is finished downloading, right click the. But, I understand some players will want to patch this issue up. Even with the censorship issue in tact, the Steam version is still quite mature and contains explicit language, very sexual themes and partial nudity. Torrent Link : Direct Download Mirror Link There are two methods to fix the censorship issue for HuniePop on Steam. Title: HuniePop Genre: Indie, RPG, Simulation, Strategy Developer: HuniePot Publisher: HuniePot Release Date: 19 Jan, 2015 Download Links HuniePop :
![]() It combines weight, weather, crashes, and real-world connection. And also reflect at a certain level of thought. It is the ratio of energy in space that allows you to make something new, destroy. It’s the perfect choice for learning more about space.Universe Sandbox ² Highly Compressed is a space gravity simulation game. Since the engine works smoothly, the game can be used on Windows 10, Windows 8, Windows 7, and other devices. With the various features, you can explore the mysteries of the universe without leaving your home. If you’ve always been fascinated by the idea of building model galaxies and solar systems or studying collisions and climate in space, this game will provide you with hours of fun and enjoyment. It’s not just a game, but an overall learning experience to understand the concepts of astrophysics. When you compare Universe Sandbox 2 with Age of Empires or Brawl Stars, you realize the point of a simulation experience. It provides you with access to a wide range of tools. Without a doubt, the game focuses on a true sandbox adventure. Without real objectives, Universe Sandbox 2 acts as a simulator, leaving everything up to your imagination. For instance, there aren’t any battles, plots, or characters. As mentioned earlier, this version of the game doesn’t include anything to rise up to the level of a true strategy game. If you’re interested in a typical game, you’re probably looking for something else. Though these errors and fixes can be annoying, they aren’t a dealbreaker. It’s worth mentioning that a small number of modifications don’t work as intended. It allows you to customize time and space. While the game has limited configuration options, the space simulator provides you with several modification options. It’s a challenge you encounter at every step in the game. In order to create a well-functioning galaxy, you need ample interest in astrophysics. In reality, the game focuses on vast information about the mysteries of the universe and lets you learn about the cosmos. All you can do is create giant black holes, massive explosions, and explore the universe. In the first look, Universe Sandbox 2 seems silly, mindless, and funny. However, you may have to bear occasional lags or crashes. Since Universe Sandbox 2 is a lightweight download, it doesn’t affect system resources. The simulator shows realistic visuals, whether you explore lava on a planet’s surface or an explosion in space. In fact, the graphics are detailed and fine-tuned. Does Universe Sandbox 2 have good visuals?Ĭompared to Solar System 3D Simulator, Universe Sandbox 2 runs smoothly. Most importantly, it provides support for VR mode, which enhances your experience. Since the desktop version supports cross-platform synchronization, you can play Universe Sandbox 2 on multiple devices. All you need is creativity and imagination to keep playing the game for hours in one go. Whether you want to stand close to the Sun, travel across the galaxy, destroy asteroids, or put more moons in orbit around the Earth, Universe Sandbox 2 provides you with endless possibilities. Similarly, you can create new worlds with mysterious planets and moons, or explore neighboring galaxies. For instance, you can destroy huge planets with lasers, fly through different solar systems, and hurl around Saturn’s rings within a few clicks. Therefore, it lets you create and explore realistic as well as fantastical scenarios in space. Universe Sandbox 2 provides you with unlimited freedom and power. Compared to other space simulators like Celestia and Kerbal Space Program, this one is easier to navigate. Since the developers have ensured scientific accuracy, the gravity-focused simulator provides an awe-inspiring experience. In fact, you can explore the unimaginable scale of the universe right from your Windows laptop or desktop. In simple terms, Universe Sandbox 2 allows you to create, destroy, and explore the beautiful and mysterious cosmos. In the game, gravity plays an important role, and lets you destroy stars, planets, and other objects in far-off galaxies. You need to place rocks in space and play around with physical properties, such as density, mass, velocity, and more. The primary objective of the game is simple and straightforward. Based on the Sandbox model, much like Minecraft and Roblox, this space simulator focuses on providing you with a fun learning experience. It doesn’t come with power-ups, levels, bosses, battles, or objectives. While it’s popular among people interested in astrophysics, it has become a great learning tool for students.Īs such, judging Universe Sandbox 2 as a game is unfair. Compared to its predecessor, this game comes with new features and graphics. It allows you to arrange stars and planets, alter the rules of physics, and play around with various properties of the expansive Universe. Universe Sandbox 2 is an easy-to-play space simulation video game. Personally, I love it, although I couldn’t see myself wearing it on a daily basis. Known among collectors as The Watch That Won The War, the Bulova A-11 is widely considered to be one of the all-time classic military-issued timepieces. This Corum Heritage Artisan Coin Watch Hobo is a true transformation. The modern Bulova A-11 Hack reimagines the legendary A-11 field watch that was issued to countless soldiers and successfully used by the Allied forces during WWII. Plus, the skull and other macabre symbols have become something of a fashion statement, turning the classic look of the coin watch into something new. It connects the model to an interesting artistic tradition and showcases superb craftsmanship and artistry. A hip and cool denim strap, paired with a steel pin buckle, complements the watch.Įmblazoned with these cool engravings, the Corum coin watch never looked so good. The version used here shows hours and minutes. This reliable workhorse runs at 28,800 vibrations per hour with a 42-hour power reserve. ![]() The Corum coin watch is powered by automatic calibre CO 082, based on the ubiquitous ETA 2892. The watch we had the opportunity to review is a crypto-currency skull watch featuring the bitcoin symbol. Each entirely hand-engraved watch will be a unique piece. Stainless steel coin-edge case mineral crystal Black/Goldtone: black strap and black dial with goldtone case Black/Silvertone. The dial and the case back are made from 925 silver coins allowing Saburov to give free rein to his creativity. The crown is adorned with a blue sapphire cabochon. The case is coin-edged and features a slotted hobnail bezel. Measuring 43mm in diameter, the watch is fashioned out of 925 silver. The artist produces 21st-century hobo coins and has created a limited number of unique pieces for Corum. The Corum Heritage Artisan Coin Watch collection is engraved by Russian engraver Aleksey Saburov who lives in New York. Most of the time, the original lettering of the coin would be respected. ![]() The hobo coins are extremely varied but very often they feature “memento mori” – symbols of mortality, skulls or skeletons. If it has been a long-standing practice, it really developed in America during the Great Depression, when homeless or unemployed people were hand-carving coins, turning these into work of arts they could sell or trade. The Hobo coin – or Hobo nickel – is a popular art form consisting of altering coins with bas-relief engraving. At Baselworld 2018, the La Chaux-de-Fonds-based manufacturer added a cool, modern note to this timepiece by venturing into unexplored artistic territories. More than 50 years later, Corum still produces coin watches. If coin pocket watches had been produced for decades (usually ultra-thin watches concealed under a hinged cover), the brand’s coin wristwatch was innovative because of its novel construction with a coin sliced in two to encase the movement. The model is, without a doubt, one of its most iconic watches. Corum introduced its first coin watch in 1964. The next day, when the stock goes ex-dividend, you'll collect $100 in dividend payments. The net outlay to enter the position is $975. ![]() Assuming this option is worth $5.25, you'll rake in $525 for the sale of the option, while shelling out $1,500 for the purchase of the stock. To take advantage, you could buy 100 shares of XYZ and write a 10-strike call. The call options should be in the money by a healthy amount to ensure they move in close concert with the underlying shares.įor example, let's say XYZ is trading at $15, and it's about to go ex-dividend for $1.00 per share. To play the dividend capture, you'll buy shares of a stock just ahead of the ex-div date, and simultaneously write covered calls against those shares. This options tactic is an arbitrage play, as it's meant to capitalize on minor pricing blips that occur as the result of stocks going ex-dividend. Book value is declining since the dividends paid out exceed earnings, and the stock price will track it lower.Have you ever noticed a stock getting swarmed with heavy call selling activity just ahead of its ex-dividend date? If so, it's possible that you're witnessing the execution of a dividend capture strategy. Over several years, assuming no growth in earnings, the stock will actually decline in value since the dividend is what's known as a "destructive return of capital". If the stock is trading at $10 per share, then after one year the price will have been reduced to $9 by ex-dividend date adjustments while the book value (a rough tracking measure of intrinsic value) of the company will have only increased by $0.50 (retained earnings per share) to $9.50. Suppose a company pays a $1 per share annual dividend but only generates $0.50 per year in earnings (a 200% payout ratio ). That's because the company's share price gets reduced by the amount of the payout, meaning that it's essential that a dividend be sustainable otherwise the share price will actually fall over time. The other important implication of ex-dividend dates is that unsustainably high dividends are not a good thing for long-term shareholders. Thus we recommend conservative income investors avoid the dividend capture strategy. Or to put it another way, dividend capture is just another term for short-term trading which studies show almost no investors can do profitably over the long term. In our opinion, any profits gained from dividend capture are purely due to short-term luck and have nothing to actually do with the dividend itself. Given the broad appeal of dividend investing, if this strategy actually had merit, not only would many more investors be doing it, but almost certainly any profitable edge the strategy had would be competed away. However, as with most things in life, if it sounds too good to be true, it usually is. No one knows.Ī dividend capture strategy is simple to execute and looks appealing in theory. ![]() Perhaps the broader market begins selling off, or maybe a company-specific issue crops up to push the stock lower. Short-term stock price movements are influenced by many different dynamic factors that cannot be reliably forecasted. For one thing, the investor incurs higher trading commissions and potentially short-term capital gains taxes which eat away at any gains.įurthermore, no one can consistently predict how a stock will trade on or after its ex-dividend date. There are a number of other issues with the dividend capture strategy, too. On the ex-dividend date the share price should be reduced by the special dividend amount, meaning there is no benefit to investors. ![]() Dividend capture can seem extremely appealing in the case of special dividends, which some investors mistakenly think they can take advantage of to make a quick 10+% profit by capturing this payment. Goodwill: Hours may vary by location, and can be found online. Hours may vary, and customers can check their closest location’s hours online. ![]() Home Depot: The Home Depot locations will be open, spokesperson Evelyn Fornes said in an email. Hours vary by location, and can be found on its website. ![]() Target: Target stores will operate with normal hours on Juneteenth, a spokesperson said in an email. What's open and closed on Juneteenth? What to know about banks, post offices, more Are stores closed for Juneteenth in the US?Ĭostco: Juneteenth is not on the wholesale retailer’s list of holiday closures. The markets will open again Tuesday morning. Stock Market Holiday, and the Nasdaq and New York Stock Exchange will be closed. Is the stock market closed for Juneteenth? Life Time: All Life Time locations will be open regular hours Monday, spokesperson Natalie Bushaw said in an email. Customers can check the hours of the nearest location online.Ģ4 Hour Fitness: 24 Hour Fitness does not include Juneteenth in a list of holidays hours on its website. Planet Fitness: Planet Fitness hours vary by location. Here’s what’s open and closed on Juneteenth. That means that many Americans will have the day off work and some gyms, stores, restaurants and other businesses may be shuttered or operate with reduced hours. State recognition of the holiday varies, but at least 28 states and the District of Columbia will legally recognize Juneteenth as a public holiday this year, according to a Pew Research Center analysis. President Joe Biden signed legislation in 2021 making Juneteenth National Independence Day a federal holiday. The holiday, which commemorates the end of slavery in Confederate states, is Monday. The Dodgers told The Times by email that they do not comment on matters relating to security.Watch Video: What is Juneteenth? The holiday's history and significance, explained. The Los Angeles Police Department did not immediately respond to questions about planned security for the protest, as well as during and after the game. ![]() None of those groups responded to questions from The Times. The article on its website mentions America Needs Fatima, Catholic Vote and Church Militant as some of the fellow organizers for the event. DO NOT bring posters with political images or messages.”Ī flier for the procession states, “This is a peaceful Christian event.”Ĭatholics for Catholics did not immediately respond to questions for this story. In the article, Catholics for Catholics encourages attendees to bring posters to the protest, “but have messages be Christ-centered. Gomez will hold a Mass on Friday “praying in a special way for our city” before the Dodgers honor the Sisters of Perpetual Indulgence on Pride Night. hours before Dodgers honor Sisters of Perpetual Indulgence “All are welcome to join this event in reparation for the offenses committed against our Lord Jesus Christ and against all Christians by the ‘Sisters of Perpetual Indulgence,’” an article on the Catholics for Catholics website reads.ĭodgers Archbishop to pray for L.A. ![]() The Sisters of Perpetual Indulgence are slated to receive the Community Hero Award during a pregame ceremony as part of the Pride Night festivities. start of the Dodgers’ game against the San Francisco Giants. A religious organization that calls the Sisters of Perpetual Indulgence “Godless” and “Christ-mocking” plans for thousands to protest at Dodger Stadium on Friday due to the Dodgers honoring the longtime charity organization made up of queer nuns in drag.Ĭatholics for Catholics, an organizer behind the protest, said it wants to express its feelings on the matter in person and on Dodgers’ Pride Night, but it wants the event to be “peaceful” and “prayerful.”Ĭatholics for Catholics announced a “prayerful procession” from 3 to 7 p.m., ahead of Friday’s 7:10 p.m. ![]() Second law of Thermodynamics (brief introduction) Introduction of entropy as a state function, Gibb's energy change for spontaneous and non- spontaneous processes, criteria for equilibrium. First law of thermodynamics -internal energy and enthalpy, heat capacity and specific heat, measurement of ΔU and ΔH, Hess's law of constant heat summation, enthalpy of bond dissociation, combustion, formation, atomization, sublimation, phase transition, ionization, solution and dilution. ![]() Unit 5: Chemical ThermodynamicsĬoncepts of System and types of systems, surroundings, work, heat, energy, extensive and intensive properties, state functions. Valence electrons, ionic bond, covalent bond, bond parameters, Lewis’s structure, polar character of covalent bond, covalent character of ionic bond, valence bond theory, resonance, geometry of covalent molecules, VSEPR theory, concept of hybridization, involving s, p and d orbitals and shapes of some simple molecules, molecular orbital theory of homonuclear diatomic molecules (qualitative idea only), Hydrogen bond. Unit 4: Chemical Bonding and Molecular Structure Nomenclature of elements with atomic number greater than 100. ![]() Significance of classification, brief history of the development of periodic table, modern periodic law and the present form of periodic table, periodic trends in properties of elements -atomic radii, ionic radii, inert gas radii, Ionization enthalpy, electron gain enthalpy, electronegativity, valency. Unit 3: Classification of Elements and Periodicity in Properties Rutherford's model and its limitations, Bohr's model and its limitations, concept of shells and subshells, dual nature of matter and light, de Broglie's relationship, Heisenberg uncertainty principle, concept of orbitals, quantum numbers, shapes of s, p and d orbitals, rules for filling electrons in orbitals - Aufbau principle, Pauli's exclusion principle and Hund's rule, electronic configuration of atoms, stability of half-filled and completely filled orbitals. Atomic and molecular masses, mole concept and molar mass, percentage composition, empirical and molecular formula, chemical reactions, stoichiometry and calculations based on stoichiometry.ĭiscovery of Electron, Proton and Neutron, atomic number, isotopes and isobars. Nature of matter, laws of chemical combination, Dalton's atomic theory: concept of elements, atoms and molecules. General Introduction: Importance and scope of Chemistry. Chemistry Part – II, Class-XI, Published by NCERT.ĬBSE Chemistry Syllabus for Class 11 2023-24 Unit 1: Some Basic Concepts of Chemistry.Chemistry Part – I, Class-XI, Published by NCERT.Organic Chemistry: Some Basic Principles and Techniques Number of chapters: 9 CBSE Class 11 Chemistry 2023-24 Course StructureĬlassification of Elements and Periodicity in Properties Powered by the ESHA Research Database © 2018, ESHA Research, Inc. Winter squash brings great flavor to this healthier version of homemade mac and cheese Average Cost 9.99 Prep Time 75 minutes Cooking Time 15 minutes. Ingredients 300g macaroni 40g lower-fat spread 1 small onion, finely chopped 50g plain flour 600ml semi-skimmed milk 75g reduced-fat mature Cheddar cheese. If you are following a special diet for medical reasons, be sure to consult with your primary care provider or a registered dietitian to better understand your personal nutrition needs. (-) Information is not currently available for this nutrient. (For example, it’s recommended that people following a heart-healthy diet eat less sodium on a daily basis compared to those following a standard diet.) whole wheat pasta shells (or your favorite type of pasta) 1 1/2 tablespoons butter spread 1/4 cup all-purpose flour 1 cup chicken broth. Depending on your calorie needs or if you have a health condition, you may need more or less of particular nutrients. Add onion and cook over low heat about 2 minutes, add flour and cook another minute, or until the flour is golden and well combined. Per the Food and Drug Administration (FDA), the daily value is based on a standard 2,000 calorie diet. Percent Daily Value (%DV) found on nutrition labels tells you how much a serving of a particular food or recipe contributes to each of those total recommended amounts. * Daily Values (DVs) are the recommended amounts of nutrients to consume each day. 1x 2x 3x 13-ounce box of elbow pasta 1 tablespoon butter 1 tablespoon all-purpose flour 3 cups unsweetened almond milk or 1 dairy milk 2. (833) 256-1665 or (202) 690-7442 institution is an equal opportunity provider.Nutrition information is calculated by a registered dietitian using an ingredient database but should be considered an estimate. The completed AD-3027 form or letter must be submitted to: The letter must contain the complainant’s name, address, telephone number, and a written description of the alleged discriminatory action in sufficient detail to inform the Assistant Secretary for Civil Rights (ASCR) about the nature and date of an alleged civil rights violation. ![]() To file a program discrimination complaint, a Complainant should complete a Form AD-3027, USDA Program Discrimination Complaint Form which can be obtained online at:, from any USDA office, by calling (833) 620-1071, or by writing a letter addressed to USDA. ![]() Individuals who are deaf, hard of hearing or have speech disabilities may contact USDA through the Federal Relay Service at (800) 877-8339. Persons with disabilities who require alternative means of communication to obtain program information (e.g., Braille, large print, audiotape, American Sign Language), should contact the agency (state or local) where they applied for benefits. Program information may be made available in languages other than English. It is always a go-to over here and a crowd pleaser. Department of Agriculture (USDA) civil rights regulations and policies, this institution is prohibited from discriminating on the basis of race, color, national origin, sex (including gender identity and sexual orientation), religious creed, disability, age, political beliefs, or reprisal or retaliation for prior civil rights activity. Healthy Baked Vegan Mac & Cheese made with all gluten-free, nut-free and plant-based ingredients for a healthier macaroni recipe Find me a recipe more comforting and cozy than a homemade macaroni and cheese. ![]() Whole-wheat pasta adds robust flavor and extra fiber. In accordance with federal civil rights law and U.S. Mac & cheese can be a true comfort on a gloomy day, and our healthy update takes advantage of extra-sharp Cheddar balanced with creamy low-fat cottage cheese and tucks a layer of spinach into the middle, which may help picky eaters down their vegetables. ![]() In later times, they began establishing a few permanent communities in the Westland, such as Bakrabru on the shores of Myrian Lake. ![]() In the southernmost parts of the Westland lies Wing Hove, the home of the Wing Riders and other Sky Elves, a group which has remained separate from the Elves of Arborlon for centuries.Īlso found in the Westland are Rovers, a traditionally nomadic people who traveled from one temporary location to another in the Westland for centuries. The town of Grimpen Ward, a haven for those who wish to flee their old lives with no questions asked, lies in the southern portion of the Westland, in the Wilderun. The Elves are mostly concentrated in the northern regions of the Westland, where their capital of Arborlon is situated. The Southland is also home to the village of Shady Vale, where the hero Shea Ohmsford and generations of his descendants were raised. Such cities include the Federation capital of Arishaig, Dechtera, Pia, Sterne, Wayford, and Zolomach. However, these cities pale in comparison to the sprawling, industrialized cities of the deep Southland that form the core of the Federation. The largest city in Callahorn is Tyrsis other Borderland cities include Kern, Leah, and Varfleet. The Borderlands of Callahorn, which comprised the northernmost end of the Southland, was governed separately from the rest of the Southland until the Federation took over the entire region some time after the passing of the Third Druid Order. In the deep Southland, the Tiderace bounds the land on its eastern edge. It reaches as far as the Lower Anar and the Wolfsktaag Mountains in the east, and the Irrybis Mountains in the west. The Southland is inhabited mostly by the Race of Man. After his defeat at the hands of Shea Ohmsford, the Skull Kingdom fell into ruin and decay. At one time, the most important area in the Northland was the Skull Kingdom, at the heart of which was Skull Mountain, the base of operations for the Warlock Lord. The Northland features much rocky terrain and mountains, along with swamplands and deserts. The Northland is the home of the Trolls and many Gnome tribes. The Eastland is also home to Heaven's Well, the source of the Silver River, and the Maelmord, the magical jungle that protected a tower where the Ildatch was located. Dwarves and Gnomes are bitter enemies, constantly fighting over territory. The Eastland is the home of Dwarves and Gnomes. As well, high-ratio borrowers are limited to an amortization period of 25 years. Because of this added security, lenders will usually offer lower rates for this group. The lender offsets this by requiring these borrowers to take out mortgage default insurance – also referred to as CMHC insurance – which is backed by government funds in case the borrower stops paying their mortgage. There are different lending rules that will apply to you, depending on the type of borrower you are.Ī high-ratio borrower is considered by a lender to pose higher risk of default, because they have put less cash equity up front into the home purchase, and are more leveraged with mortgage debt. ![]() Monthly payment = mortgage principal x (1+ monthly interest rate)^number of payment periods)/(1+monthly interest rate)^number of payment periods -1)Ĥ00,000 x (1+ 0.00459)^300)/(1+0.00489)^300 - 1) = $2,301ĭepending on the size of your down payment, you will either be classified as a low-ratio borrower (meaning you’ve paid more than 20% down), or a high-ratio borrower (less than 20% down). Step 4: Apply the mortgage payment formula: Payment periods = number of years x 12 months Step 3: Calculate the number of total payment periods: Monthly interest rate = annual interest (%) / 100 / 12 months Take your 4.89% rate and divide by 12 to determine your monthly interest rate = 0.00489. Step 2: Determine your monthly interest rate Purchase price - down payment = mortgage principal Step 1: calculate your mortgage principal amount with the following formula: First, Let’s assume you are buying a home with an asking price of $500,000, and are making a down payment of 20% ($100,000), with a mortgage rate of 4.89%, and amortization of 25 years. While plugging your info into our calculator is a fast and convenient way to determine your mortgage payments, let’s break down the math. Condo fees (if applicable): The approximate dollar amount of any monthly condo fees you may be liable for.Down payment: The dollar amount that you are able to pay up front when purchasing your home.Home price: The dollar amount of your home.In order to effectively use this calculator, here is the information you’ll need to have: If you’re renewing or refinancing and know the total amount of the mortgage, use the “Renewal or Refinance” tab to estimate mortgage payments without accounting for a down payment. If you’re buying a new home, it’s a good idea to use the calculator to determine what you can afford before you start house-hunting. Additionally, you can use the calculator to estimate your total monthly expenses, see what your payments would be if mortgage rates go up and show what your outstanding balance will be over time. ![]() Our calculator also shows you what the land transfer tax will be, and approximately how much cash you’ll need for closing costs. You can change the size of your down payment and the payment frequency to see how your regular payment will be affected. It will automatically calculate the cost of mortgage default insurance. The calculator will now show you what your mortgage payments will be.īy default, the mortgage payment calculator will show four different monthly payments, depending on the size of your down payment. The calculator shows the best rates available in your province, but you can also add a different rate. Then, select an amortization period and mortgage rate. To use the calculator, start by entering the purchase price. |