Turn to AtoZdatabases for directory information and all kinds of data mines. Full articles not included, check Count圜at, to see if the Milwaukee Public Library owns the magazine. Provided as part of Wisconsin's BadgerLink program.Īrchives Unbound - County and Regional Histories & Atlases: Wisconsinġ58 Wisconsin local histories and atlases for genealogical research from Gale, spanning from 1857-1909.Īn index from EBSCO to 600 art magazines covering the years 1929-1984. This resource was formerly called The Wisconsin Newspaper Association Digital Research Site. Papers in the Journal Communications Group are not included. There is a three month delay on issue availability. Search or read the full text of newspapers from all over Wisconsin, including The Business Journal Serving Greater Milwaukee, The Daily Reporter and Shepherd Express. Not available outside of Milwaukee Public Libraries, but some free content from the National Archives is now available remotely. Some free content from the National Archives is now available remotely. The Atlantic (1994-Current) & Atlantic Web Edition (2006-Current)Īncestry Institutional Edition (from Ancestry) provides access to genealogy resources, historical photos, local narratives, censuses, birth, death, marriage and baptism records, oral histories, indexes and other resources in thousands of record sets that span from the 1500s to the 2010s. Magazines include, but are not limited to, these popular titles! Provided as part of Wisconsin's BadgerLink program.Ĭurrent articles from selected magazines offered by NewsBank. It offers libraries full-text articles for more than 200 international, and often peer-reviewed, journals and reports. Provided as part of Wisconsin's BadgerLink program.įrom EBSCO, Alt HealthWatch focuses on the many perspectives of complementary, holistic and integrated approaches to health care and wellness. Patient drug information, in English and Spanish from EBSCO. Provided as part of Wisconsin's BadgerLink program. Provided as part of Wisconsin's BadgerLink program.īadgerLink is Wisconsin's Online Library, providing all Wisconsin residents with licensed content not available through regular search engines.įrom EBSCO, Advanced Placement Source offers 4,200 full-text academic journals and magazines for high school students enrolled in various Advanced Placement (AP) and International Baccalaureate (IB) courses. Available for use within City of Milwaukee libraries and by remote access to City of Milwaukee library cardholders.Īn extensive collection of scholarly journal articles from EBSCO. The databases can also be browsed by click each database in the "Go to databases" section. The databases can be searched collectively by checking the " All databases" box on the main page. They can also be searched individually by checking relevant box for each database. Each database contains thousands of primary and secondary sources, and is perfect for all researchers, especially middle school and high school students.Īfter logging in, click " ABC-CLIO" or " ABC-CLIO History Databases" on the landing page to gain access. Available for use within City of Milwaukee libraries and by remote access to City of Milwaukee libraryįull-text digital resource exploring the history and culture of African Americans, American Indians, Asian Americans, and Latino Americans. Wisconsin newspapers are well represented. Newspapers, from Gale, provides access to historic primary source newspapers, featuring full content and images from numerous urban and rural publications throughout the U.S. Trostel Collection of German Theater Scriptsġ9th Century U.S.
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If only face-down cards remain in a column as face up cards are moved, turn the last face-down card over. In the below example, you can move the 10 and 9 of Spades on top of the Jack of Spades. You can move a group of cards in a column as a single unit to another pile if they are all in descending order of the same suit.
This is because it can take time to save money. However, it’s not advisable to put money aside in the hopes of one day making a large lump sum payment. Whether you can contribute one larger lump sum or extra repayments over time will depend on you. What is more effective: A larger lump sum or extra payments? An extra $10,000 will be contributed in the sixth month of your loan term.įrom this information, the calculator shows that your 30-year loan term will reduce by two years and two months, and you’d save a total of $62.438 in interest - a huge amount considering the small outlay. over a 30-year loan term.Īdditional repayments will be made on top of your standard monthly repayment of $100 each month. Let’s say you have an $800,000 home loan with a 4.5% interest rate p.a. To help you understand how extra and lump sum payments can impact the total amount you will need to repay on your home loan, here is an example provided by the calculator. This information will include the principal amount from the home loan, the annual interest rate, additional repayment amount each month when additional repayments will start, and any lump sum payment to be made throughout the life of the loan. Your Mortgage’s Extra and Lump Sum Calculator will ask you to provide a few important pieces of information for it to perform its number-crunch. How the extra and lump sum calculator works Different terms, fees or other loan amounts might result in a different comparison rate. Warning: this comparison rate is true only for this example and may not include all fees and charges. *The Comparison rate is based on a $150,000 loan over 25 years. Monthly repayments, once the base criteria are altered by the user, will be based on the selected products’ advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user/you. All products will list the LVR with the product and rate which are clearly published on the product provider’s website. Some products will be marked as promoted, featured or sponsored and may appear prominently in the tables regardless of their attributes. However, the ‘Compare Home Loans’ table allows for calculations to be made on variables as selected and input by the user. In the meantime, for those wanting to find out how much additional payments can impact their home loan and determine its final amount - as well as the principal and interest rate fees that are included - Your Mortgage’s Extra and Lump Sum Calculator can be insightful on this front.Īll you need to do is have some information handy and the calculator will do the rest.Ĭompare interest rates from some of the most popular lenders in Australia:īase criteria of: a $400,000 loan amount, variable, fixed, principal and interest (P&I) home loans with an LVR (loan-to-value) ratio of at least 80%. Alternatively, you could discuss with a financial adviser, accountant, or mortgage broker to decide which repayment strategy will be best suited to you. With this in mind, it could be worth checking the terms and conditions attached to your mortgage before deciding whether making extra and lump sum payments will work in your favour. Most notably, lookout for a ‘break fee’, which is generally only charged if you pay down your fixed-rate (rather than a variable rate) home loan earlier than expected. Since the amount of interest is based on the principal, the lower this amount is, the lower the interest charges.ĭespite these benefits, it’s important to note the drawbacks of making extra payments. Think of it this way: extra repayments directly pay down the principal amount owing on your home loan (the amount of money you borrowed). Making extra and lump sum payments can significantly diminish the total amount you pay back on your mortgage, which could save you tens of thousands of dollars. The sooner you can contribute additional money along with your standard monthly repayments, the better. The average home loan can span anywhere from 25 to 30 years - this is a big commitment! It’s also a long time to be making repayments and incurring interest, which is why reducing the life of your home loan is a helpful way to save money.Īn easy way to make your money work for you is to put it towards your mortgage in additional and lump-sum payments. Save on interest and reduce your loan term by making extra or lump sum payments Threadhold, Jitter, Edge, Emboss, Watercolor Pencil, Colored Pencil, Posterize, Cellophane, Newsprint, Dither, Stippling, Brush Strokes, Mosaic, Kaleidoscope, Triangles,Ĭrystallize, Frosted Glass, Stained Glass, Glass Blocks, Illusion, Motion Blur, Zoom Blur, Radial Blur, Twirl, Wave, Underwater, Filters & Effects: Magic Color, Miniature, Bloom, HDR, Surrealistic, Grayscale, Sepia, Badicoot, Black & White, Negative, Auto Levels, Auto Contrast, Sharpen, Blur,Īdd Noise, Film Grain, Reduce Noise, Despeckle, Soften Skin, Bokeh Blur, Dehaze, Shadows/Highlights, Point Color, Replace Color, White Balance, Vignette, Color Fill, Pattern Fill,ĭilate, Erode, Curves, Levels, Color Balance, Channel Mixer, Selective Color, Hue/Saturation, Graident Fill, Gradient Map, Chromatic Aberration, Opacity, Enhance Document,.Batch Rename: Change photo file names in batch mode.Batch Resize: Resize multiple images at the same time.Batch Format Change: Convert multiple images to another format at once.Split: Slice a photo into several pieces.Color Picker: Zoom in on images, search and pick a color.Screen Capture: Capture your screenshot and save it.Combine: Attach multiple photos vertically or horizontally to create one final photo. Collage: Merge multiple photos on the collage frame to create one final photo.Cut Out: Remove the background from an image.Editor: 1,000+ Filters & Effects, Frames, Objects, Brushes & Tools, Rotate, Straighten, Flip, Resize, Crop, Circular Crop, Perspective Crop, Mask (Local Adjustments), Redo+, Project.Viewer: Photo | Video | Audio Browser, Loupe View, Full Screen, Flag, Star Rating, Lossless Rotate, Share (Email,Twitter,Facebook), Metadata (Exif,IPTC, GPS) Viewer.This series collects some of the best Photoshop Brushes and explains how to use them. There are thousands of Photoshop brushes that can help you create more polished and engaging graphic art. Photoshop Brushes are a great way to save time and create stunning digital artwork by using a pre-built set of graphics and elements. You can also check out our collection of the best Procreate brushes for more great items that work well with this cutting-edge app. After importing the brushes, they will be available to use in each tool in Photoshop.Click on the Load button in the Preset Manager then locate and open the ABR file you’ve just downloaded onto your hard drive.To install the brush, open Photoshop and go to the Edit menu and select Preset Manager.This is the file that contains all the custom brushes. First, extract the files in this ZIP file. Once you’ve downloaded a Photoshop brush, it will be inside a ZIP file.What makes Photoshop brushes even more useful is that the app allows you to add third-party custom brushes to your collection. It also includes 8 artist brushes for shading as well. It comes with 32 halftone and dot stamp brushes for giving your illustrations a vintage look. This is a collection of brushes made for illustrators and artists. And the best part is, using the platform is free. By using WhatsApp business, organizations can target thousands to millions of potential customers. Therefore, it offers a broad reach, making it an excellent choice for marketing campaigns. With at least 2 billion users worldwide, WhatsApp is the largest social media platform. READ ALSO: A step by step guide for getting verified on Instagram 4. This will, in turn, lead to happier and more loyal customers. However, with WhatsApp Business, these organizations can interact with their customers instantly and offer them solutions. One of the main challenges small businesses face when it comes to customer support is delays. Statistics and reporting: The WhatsApp Business app comes with a statistics tab in the profile section, where an organization can access various metrics.Advanced chat features: The business app version features unique messaging tools such as greeting messages, away messages, and pre-defined quick replies.Therefore, it is easy and convenient for entities that already have existing landlines to open an account. However, with the new version, organizations can use fixed or landline numbers. Registration using landline numbers: With WhatsApp Messenger, you can only register an account with your mobile number.Organizations can enter details such as location, category, operating hours, nature of the business, etc. Business profile: Profiles for the new app are more detailed than those of the Messenger app.Will WhatsApp business help? Here are some of the features that you can expect from the new app? If you are running a small business, you may have found that many communication apps are lacking. If you wish to join the dev team we will want to see a fully fleshed out character made utilizing the CCC. As such our recruitment requirements have changed. New to 0.3.0.0 is the Custom Character Creator. Script fixes for more homogeneous stuff like moneyįixed a long-standing bug that permitted saves from older versions of the game to be loaded Kurumi is now locked behind the appropriate H.F.F. Rumines apology meeting at the pub is now at 100% chance instead of being random Some encounters chances have been modified Weekly exercise will yield bonuses to stamina & fertility The Random Girl Engine (RGE) has been added to the H.F.F. New item tiers for Stamina and Fertility drinksīuilt-in game updater, replaced with a “new version” notification. There is also a modest improvement to the outcome if this option is chosen. Card Levels have been added to the gameĪdded an option to work all week, and to study all week, with a single click. Resort has been added to the game, allows you to play each day in the week with an absurd amount of stamina in total. There is more than 20 new girls, not including random girls. Image assets have been converted to webp, resulting in a smaller game sizeįixed a bug that prevented players from leaving the resort after 7 daysįixed a bug that created lag on the main screenįixed some return bugs on Amber and Yurika It’s now possible to debug random girls when you add new ones NTR defender crosshair after updating a save from 0.4.0.xįixed many grammar and typographical errorsįixed several bugs when loading saves from 0.4.0.0įixed a bug when hovering over the impregnations menuįixed a bug that prevented the time of day from changing back to daytime Talking to the Liaison on a new save on 0.4.0.2 Not to mention it’s completely free with no patreon shilling, so what do you have to lose? Some of you are probably asking, “But Possiblyanon, why should I give a shit about a game that was only relevent years ago?” Because, try as you like, nothing scratches that itch quite like this game. With a card that lets you impregnate anyone, anywhere, you seek to repopulate the planet.Īnd now after about 3 years of waiting 0.4.0 is finally released. In the not so far off year of 20XX, the world has been devastated, a virus has wiped out 99% of the male population. But hey, nobody wait for my game anywayDo you want to impregnate anime girls? Do you get validation watching numbers increase to track made up stats? Do you like dead games that haven’t seen an update in 3 years? Then this is the game for you. Oh soo rude i m working all days on it 10h per day (no joke). more like 150 models and 150 variable of same models.)Īlso, few pages before i posted a Dead or alive pack (still compatible) wich is very cool and perfectly rigged (even better than lewdfraggy do), and ALL MMD (mikumikudance) models are compatible with WSS. (considerig that Lewdfraggy count hundreds of models but it count each variable individually, soo they aren't really hundreds of models. Latest "real" models are pretty good, but i would love more of them.Īs say, on like 300 new characters models. But game is mostly made for hentai models. Just to mention tho, if you into real model (not hentai/manga/mikumiku models or else), then every update have few of them. but for that last one, it seems to work good. Still, a few update before, the standalone didnt worked for me. soo i take only standalone now wich is more faster. my internet make me wait 7 hours until complete version is downloaded. I cant take the complete version anymore lol. Hmm yeah, you need the full version (preferably last one), and once you have, let say, complete version 3.2, then you can just take standalone 3.3 and copy-paste it into the 3.2 folder and its ok. Click to expand.oh soo rude i m working all days on it 10h per day (no joke). The new Linkedin logo in 2024 is a great marketing tool for professionals and marketers who want to promote their individual and business Linkedin accounts.īut, as said previously, the Linkedin algorithm has been deliberately designed to lower your organic reach so you have to pay for ads to reach your connections and or followers. Craft the best digital marketing plan and social media strategy that boosts sales and customer lifetime value.Build a marketing engine with marketing assets and channels you fully own.I can offer you marketing strategy training that will help you: Your customer acquisition costs from Linkedin ads are through the roof.You cannot transfer your hard-earned Linkedin followers to your CRM.You keep trying to build an audience on Linkedin you will never own.That’s why only 5 % of your followers may see your posts (If you are lucky!) The Linkedin algorithm has been deliberately designed to lower your organic reach so you have to pay for ads to reach your followers.Their business model is to make money from you. Linkedin is a “money extraction” machine.Trending > The best Linkedin cover image ideas & examples THE NEW LINKEDIN LOGO PNG IN 2024īefore you start using the new Linkedin logo PNG in 2024, let me tell you something you probably have been turning a blind eye to… Written by M au, a Senior logo designer and Linkedin Marketing Specialist at eDigital. Download the latest free Linkedin logo PNG full colour, blue, black or transparent for your resume, CV, email signature or website. Find below the new Linkedin logo PNG in 2024. Some frames may have pre-drilled holes for webbing, while others may require you to create your own attachment points. Once you have a good understanding of the metal frame’s structure, you can begin to plan how to attach the webbing. Look for any screws or bolts that hold the frame together and take note of any areas that seem weak or damaged. This will allow you to understand the structure of the metal frame, which will help you determine the best way to attach the webbing. To get started, it’s important to take a close look at how the different parts of your lawn chair or table fit together. Understand the Structure of Your Lawn Furniture’s Metal Frame With all the necessary tools and materials gathered, you’re ready to start repairing your lawn furniture and giving it a new lease on life. Choose screws that are the appropriate size for your frame and that will be able to hold the weight of the person sitting on the furniture. Lastly, you’ll need screws to secure the webbing to the frame. Measure the length and width of the frame to determine how much webbing you’ll need. Nylon is the strongest and most durable option, making it the best choice for outdoor furniture. There are different types of webbing available, such as cotton, nylon, and polyester. Next, you’ll need to get the webbing itself. Make sure to get the right size staples for your staple gun. You’ll also need a staple gun to fasten the new webbing onto the frame. First, you need to have a pair of pliers to remove any old webbing or staples that may still be attached to the metal frame. Test the Newly Repaired Lawn Furniture Gather the Necessary Tools and Materialsīefore you can start repairing your lawn furniture, you’ll need to gather the necessary tools and materials.Attach the New Webbing to the Metal Frame.Understand the Structure of Your Lawn Furniture’s Metal Frame.Gather the Necessary Tools and Materials. These worksheets are randomly generated and therefore provide endless amounts of exercise material for at home or in class. You can also make a multiplication worksheet yourself using the worksheet generator. These free 10 multiplication table worksheets for printing or downloading (in PDF format) are specially aimed at primary school students.
However, these changes are possible during the annual OEP that runs from October 15 to December 7. switch one Medicare Part D plan for another.join Medicare Part D if they are enrolled in Medicare Part C.enroll in Medicare Part C from Medicare Part A and B outside of the OEP.They can also leave the Medicare Part C plan and go back to Medicare Part A and Part B. During this time, a person with Medicare Part C can change policies. Medicare Part C has a different OEP, which runs from January 1 to March 31 each year. They can do this during the annual open enrollment period (OEP), which runs from October 15 to December 7 every year. People can switch to Medicare Part C after enrolling in Medicare Part A and Part B. This 7-month window extends 3 months on either side of the month during which a person turns 65 years old. In general, a person must meet two requirements to be eligible for Medicare Part C: They must be enrolled in original Medicare, and they must live in an area where an insurance company offers Medicare Part C.ĭuring a person’s IEP, they are eligible for Medicare Part C. Generally, this penalty forms part of the premium for as long as the person has a Medicare prescription plan. When a person joins a prescription plan, the insurance company calculates the penalty and adds it to the premium. The penalty depends on how long a person went without prescription coverage. This rule applies to the standalone Medicare Part D plan or the prescription drug coverage that Medicare Part C includes. The company can charge a penalty when a person is without Medicare Part D for 63 continuous days or longer after the initial enrollment period (IEP) ends. Medicare Part D costs include a premium, a deductible, copayments, and any late enrollment penalties. The insurance company determines the cap on out-of-pocket expenses. If a person reaches the limit in a calendar year, the plan pays all medical expenses for the rest of the year. Medicare Advantage plans have a yearly out-of-pocket spending limit. The premium for Medicare Part C is paid to the private insurance company, which then pays the premium for Medicare Part B to Medicare. The cost of Medicare Part C plans varies depending on several factors, including the plan’s benefits and the person’s location, age, and sex. A person can get a Medicare Part D plan in combination with original Medicare or bundled into their Medicare Part C plan. Medicare Part D, on the other hand, is a plan that people can enroll in to receive prescription drug coverage. It must offer the same basic benefits as original Medicare, but some plans also offer additional benefits, such as vision and dental care. Medicare Part C is an alternative to original Medicare. Nursing home care that is not custodial or long term Skilled nursing facilities, under certain conditions Preventive services, such as flu shots and cancer screening Medically necessary services to diagnose and treat medical conditions |
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