4/16/2024 0 Comments Spectrum tv channel lineup list![]() The cookie is used to store the user consent for the cookies in the category "Analytics". This cookie is set by GDPR Cookie Consent plugin. Set by the GDPR Cookie Consent plugin, this cookie is used to record the user consent for the cookies in the "Advertisement" category. These cookies ensure basic functionalities and security features of the website, anonymously. Necessary cookies are absolutely essential for the website to function properly. Please share this Pluto TV Guide with the needed one. ![]() I hope you liked the complete Pluto TV Channel List. So, if you haven’t yet explored what Pluto TV has to offer, this comprehensive channel list is the perfect starting point to dive into a world of entertainment at no cost. Its accessibility across multiple devices and user-friendly interface further enhances the viewing experience, making it a top pick for free streaming services. Whether you’re a fan of classic films, reality TV, or seeking international flavors with its Latino and music channels, there’s something for everyone on Pluto TV. With over 250 live channels and a plethora of on-demand options, Pluto TV is a fantastic choice for anyone looking to explore a wide array of programming. ![]() From movies and entertainment to sports, comedy, and news, this free internet television service by Paramount stands out as a valuable resource for those seeking quality content without the cost of a subscription. In conclusion, Pluto TV offers an extensive and diverse range of channels, catering to a variety of interests and preferences. So let’s have a look at the Pluto TV Channel List so that you can watch Pluto TV easily. Many TV Streaming services like Hulu, Peacock and many more require a paid subscription to watch channels, but here at Pluto TV, you can watch them for free. Pluto TV has updated the Live TV to only include channel names. The service is ad-supported, which means you will have to watch commercials occasionally while watching Pluto TV’s channels and on-demand movies and TV series. Pluto TV is accessible through various devices, including smart TVs, Amazon Fire TV, Android, Android TV, Apple TV, Chromecast, iOS, LG smart TVs, PS4, PS5, Roku, and Samsung intelligent TV. Pluto TV features channels across various subjects, such as entertainment, movies, news, and sports, and has partnered with content providers like CNN, Comedy Central, NFL, Nickelodeon, and A&E. The service is available in several countries, including the US, UK, Germany, Spain, Italy, France, Austria, Switzerland, and Latin America. Pluto TV is a free internet television service owned and operated by Paramount that offers over 250 live channels and on-demand content. Then, here is the answer in the form of the Pluto TV Channel List. ![]() Specifically, Logo, A&E, History, FYI, Lifetime, Magnolia (DIY), Cooking, Science, AHC, Destination, and Discovery Life are channels that aren't available through YouTube TV, so that's a plus that I can now add them through the Spectrum TV Essentials package.Looking for an answer to the question: What channels do you get with Pluto TV? This is a decent number of good TVE channels for the price, but lacks some of my favorites, so I'll be keeping it to supplement my YouTube TV rather than replacing it. For reference, the only local network I receive (via experimental TVE) in Orlando, FL is NBC, but I assume that may differ based on region. I couldn't find a post that identified the TVE channels for the Spectrum TV “Essentials" streaming cable package, so I figured I'd start a new thread to help others who might be wondering. ** This is the Spectrum ESSENTIALS package, which has only 60 channels max, and is only available to Spectrum Internet customers **.
0 Comments
4/16/2024 0 Comments Easy printable sudokuWe hope you enjoy solving these Sudoku puzzles as much as we enjoyed creating them for you. Use these as home, classroom or homeschool to play with family, friends or students. That’s it! Generate any number of puzzles for personal use. The solution is included with every puzzle. You will be able to download the generated PDF printable file. Check out the preview image, and then click on the green “Download” button. Once all these settings are done, click on the blue “Generate New Puzzle” button. What paper size you want to print on? Select the Letter Size or A4 size paper.How many puzzles per page? Set the layout as 1, 2 or 4 sudoku puzzles per page.How many puzzles you want to generate? Set the number from 1 to 12.Select the level to “Easy, “Medium”, “Hard” or “Evil”.Here are the options to make your own Sudoku Puzzles. Try playing it regularly and soon you’ll be ready to take on the final boss in the world of number puzzles Expert Killer Sudoku. You can generate Sudoku Puzzles in 9×9 grid as well as 4×4 grid. While easy/medium Killer Sudoku is like jogging in terms of sports, hard Killer Sudoku is a real harcore workout for your brain. The Sudoku Generator is a versatile tool that can be used in a variety of ways. Educators can use it to create Sudoku puzzles that are customized to the needs of their students. In addition, the Sudoku Generator can be used as a teaching tool. For instance, people who enjoy solving Sudoku puzzles can use the generator to create new puzzles to solve. So must every column, as must every 3x3 square. Every row must contain one of each digit. Enter digits from 1 to 9 into the blank spaces. The Sudoku Generator can be used for both educational and recreational purposes. Each Sudoku has a unique solution that can be reached logically without guessing. Just remember to update and clean them often to avoid cluttering the grid with unnecessary information.How to generate puzzles with Sudoku Generator Do not feel self-conscious about it using them. In fact, the harder the Sudoku the more valuable and indispensable they become to find the final solution. ![]() On the contrary, it is an essential part of the puzzle to keep track of all the candidates and help with the process of elimination. Taking notes is not considered cheating in Sudoku and it is not even a beginner’s trait. Also print sudoku for free and discover sudoku variants to play online or printable. ![]() Learn the rules, tips, and benefits of playing printable Sudoku puzzles offline or online. Just click & Play sudoku online for free on mobile, tablet or computer, with 5 difficulty levels: easy, medium, hard, expert and evil. Buy the book Very Large Print Sudoku Puzzles for Seniors: 100 Easy Sudoku for Adults: One Extra Large Print Puzzle Per Page and Space for Working Out the. Choose your difficulty level and print your puzzles on regular paper. Learn the rules, tips and tricks of sudoku and challenge your logic skills with these great logic puzzles. Choose the option that suits your skill level and enjoy the game with or without solutions. Enjoy over 100 free printable sudoku puzzles from easy to hard levels. Find out the missing numbers in it and then check your possibilities block by block by testing the missing digit against the information of the row and column where it is inserted. Print Sudoku puzzles of different difficulty levels, from easy to evil, for free on. Since the easy level is the one where more hints are given right from the beginning, the best way to start is by focusing on the columns, row or group with the most digits allocated and find out which ones are missing.įor the next step, you can focus your attention on a specific group at a time. The basic rule of Sudoku is that numbers can only appear once per row, column, and group. Finding the solution for an easy puzzle requires only attention, logic and basic knowledge of the mechanics of the game. Based on these, you must fill the remaining blank cells on the grid with numbers from 1 to 9, paying attention not to repeat the same digit in each column, row or group. The easy level is the variety that starts with the most allocated digits. ![]() The levels of difficulty in Sudoku depend on the number of filled cells allocated at the beginning of each game. Seasoned players looking for a quick and straightforward challenge to clean their minds or just pass time will also be able to enjoy this mode. ![]() Come back to our kingdom of Sudoku every day and complete Sudoku game of the day. Sudoku Academy provides an enjoyable and convenient platform for players to solve sudoku puzzles. Easy Sudoku puzzles are perfect for beginners and kids to get acquainted with the rules and the principles of the game. Challenge yourself with daily Sudoku Pick a date on the calendar and enjoy fresh sudoku puzzles every day You can choose the current date to deal with today’s Sudoku or solve puzzles from the archive for the previous days or months. 4/16/2024 0 Comments Meeting agenda template google doc![]() This meeting agenda template sample is for a basic business meeting. You can jot down the crucial points that will be discussed in the very same order and also the sub-points underneath each point.ĭownload Classic Meeting Agenda Template here 2. The template has ‘Agenda Details’ next and Roman numbers I to IV, which of course, is customizable. Do not forget to be precise while entering the time of the meeting and make sure what’s written on paper is precisely followed. And for those who don’t know about Robert’s orders? Well, it’s a standard manual for initiating discussions and group meetings.Įnter the location of the meeting in the header, and if the venue is your office itself, you can write the name or number of the room. The agenda template is perfect for you if you like to follow Robert’s Rule of Orders to run your sessions. This sample meeting agenda template is ideal for any classic or basic meeting. We have listed the best meeting agenda templates for MS Office and Google Docs that will help you plan prior, thereby saving valuable time and ensuring no crucial point is missed. So, whether it is a business meeting or otherwise, you no longer need to waste time preparing the agenda from scratch. Best Meeting Agenda Templates for MS Office by Microsoft These are similar in structure to resume templates for Google Docs that highlight the important educational and professional milestones of your life. ![]() Meeting agenda templates are a concise representation of relevant information, highlighting the most critical points to be discussed in the meeting briefly. The agenda template contains all the points of discussion, improves work efficiency, saves time, and gives a professional approach to the proceedings. It ensures every course of action, and every minute is well-planned and executed in the desired manner. Having a meeting agenda template handy helps in this case. No one likes a formal conversation or a meeting that is being dragged with no purpose at all. ![]() Meetings are an essential part of the corporate world. ![]() In addition, referees must be knowledgeable of the different types of fouls that can occur during a game. Referees must be aware of the court dimensions, the distance between the players and the net, and the number of allowable contacts with the ball prior to sending it over the net. The basic rules involve two teams of six players each, with three players on each side of the net. The official rules of volleyball are set by the International Volleyball Federation (FIVB) and are based upon the Laws of the Game. This includes knowledge about the court layout, fouls, and how to make judgement calls. Referees must be knowledgeable of the official rules and regulations of the game in order to ensure a fair and fun game. Volleyball refereeing is a complex and nuanced role that requires a deep understanding of the rules and regulations of the game. Rules and Regulations of Volleyball Refereeing You should also be in good physical condition, as you will be running up and down the court for long periods of time.Īdditionally, it is helpful to have a good understanding of the game’s strategies, so that you can identify any violations.įinally, you should be prepared to stay impartial and make difficult decisions when necessary. To referee volleyball, you need to familiarize yourself with the rules of the game and have a good understanding of the sport. Physical Requirements of Volleyball Refereeing.Being Impartial and Consistent in Calls.Knowing the Game and Making Judgement Calls.Proper Communication with Players, Coaches, and Other Officials.Rules and Regulations of Volleyball Refereeing.Referee’s hand signals TERM / DESCRIPTION Referee’s hand signals TERM / DESCRIPTION TIME OUT 1 EXPULSION BALL OUT CATCH FOUR HITS BALL NOT TOSSED OR RELEASED AT SERVICE HIT NET TOUCHED BY PLAYER / SERVED BALL FAILS TO PASS TO THE OPPONENT THROUGH CROSSING SPACE BLOCKING FAULT OR SCREENING POSITIONAL OR ROTATION FAULT BALL IN PENETRATION TO OPPONENTS’ COURT / BALL CROSSING THE LOWER SPACE 2 DELAY WARNING/DELAY PENALTY LINE JUDGE’S HAND/FLAG SIGNALS TERM / DESCRIPTION LINE JUDGE’S HAND/FLAG SIGNALS BALL IN TERM / DESCRIPTION BALL OUT OR FOOT FAULT BY ANY PLAYER DURING SERVICE BALL OUT Sources: Rules of the Game. Submit to the teacher at the end of the period. Change roles once your partner finishes her turn in guessing the hand signals you demonstrated. ![]() ![]() Mark it with X if your partner answered incorrectly. Put a √ mark in the corresponding box in the TERM/DESCRIPTION column if your partner answered correctly. Demonstrate the hand signal your partner will try to guess the term for the hand signal that you demonstrated. Change roles once you finish your turn in demonstrating hand signals. Your partner will put a √ mark in the corresponding box in the Referee’s hand signal and Line judge’s hand/flag signal column if your answer is correct, otherwise, she will mark it with X if you answered incorrectly. Your partner will read from the worksheet the term of the hand signal, and then you have to demonstrate how the hand signal is done. Remember that your honesty and cooperation is expected in accomplishing this worksheet. Do the following exercises with your partner. ![]() Look at the illustrations, read the term/descriptions, and do your best to familiarize with each hand signals for volleyball referees and line judges. HIGH SCHOOL PHYSICAL EDUCATION WORKSHEET on VOLLEYBALL OFFICIALS’ HAND SIGNALS NAME: _ Partner’s Name/Signature: _ Year & Section: _ DATE: _ INSTRUCTIONS: I. If Congress fails to act on behalf of the millions of workers who faced joblessness in 2020 and relied on the UI system to feed and house their families, it’s imperative that the Department of the Treasury rule these benefits non-taxable.īelow, we outline the background on expanded unemployment benefits as a result of the pandemic, recession, and Congressional response to both in 2020 the extent and urgency of the problem the legislative options before Congress as they head into negotiations on the next economic relief package the administrative call to action for the Biden administration and the legal argument for why these benefits are not taxable. Under existing federal law, these payments should already be tax-free, and the Department of the Treasury should promptly say as much. ![]() some states did not offer workers receiving benefits through CARES Act programs the option to withhold taxes.Ĭongress and the Biden administration have several options at their disposal to exempt pandemic-related unemployment benefits from federal income taxes. 8Īlthough the withholding option is supposed to be available. ![]() As we head into tax filing season, millions of families will be in for a rude awakening when they discover they are on the hook for thousands of dollars in owed income taxes at the federal and, in some cases, the state level. As a result, millions of workers likely did not withhold federal income taxes for what could be tens of thousands of dollars in UI income per worker in 2020. In addition, in the midst of a pandemic and recession fraught with new challenges and new expenses, many workers could not afford to take a 10 percent reduction in their UI benefits, given that UI benefits typically only replace approximately 40 percent of pre-layoff wages (and an even smaller share of wages plus benefits). 5 The 10 percent rate applies regardless of filing status (that is, whether single, married filing jointly or separately, head of household) or number of dependents.Īlthough the withholding option is, according to federal law, 6 supposed to be available for payments “ in the nature of unemployment compensation” no matter their sources, 7 some states did not offer workers receiving benefits through CARES Act programs the option to withhold taxes. Thus, states are required to offer withholding for federal income taxes to UI beneficiaries at a standard 10 percent rate that is, to allow recipients to elect to have the state set aside 10 percent of their UI benefits and transfer them to the IRS to pay for future tax liabilities. The fear of these large payments can discourage participation in benefits programs. 4 This policy choice hurts lower-earning households, who have more difficulty making large one-time tax payments. Unemployment insurance benefits are usually considered taxable income (more on this later). Some of these workers were able to find new jobs, but at the end of 2020, over 18 million American workers were still unemployed and claiming benefits, in addition to the nearly 5 million who had exhausted all benefits prior to the end of the year. ![]() As a result of the pandemic, state UI offices fielded over 1 million new UI claims every week for forty-six consecutive weeks. ![]() What Caused the Problem?Īpproximately 40 million Americans received an aggregate of over $580 billion in unemployment insurance (UI) benefits in 2020. Not only will this surprise tax bill hurt many workers who can’t afford it right now-there’s a strong legal argument that, according to current law these benefit payments should never have been taxed in the first place. 1 At a time when millions are unemployed, 2 when families continue to face food and home insecurity, 3 Congress and the Biden administration must act urgently to prevent these surprise tax bills, and to allow millions who have already paid tax on their 2020 benefits to receive a timely refund check. Mostly unnoticed in the negotiation, though, is that, thanks to a decision by the Trump Department of the Treasury earlier in the pandemic, many hard-hit families who received unemployment insurance benefits in 2020 are now facing unexpected tax bills that could run to the thousands of dollars per family. As we write, Congress and the Biden administration are debating the size of a new relief package needed to aid struggling households and right the economy. 4/15/2024 0 Comments My PTSD conforms to DSM 5 criteria![]() The Alcohol Use Disorders Identification Test (AUDIT) is a 10-item self-report instrument used for assessing alcohol misuse (Saunders, Aasland, Babor, de la Puente, & Grant, 1993). Why Should I Register and Submit Results?. ![]() Meet with a Thrive therapist to see if we’re a good fit for therapy.Book a free 15-minute consultation call.At Thrive Therapy we are able to connect with people in Ohio, Kentucky, and New York. If it feels like a good fit, we will schedule an Intake Assessment and carefully go through the process of determining accurate diagnoses for you prior to any treatment recommendations. If you are interested in being evaluated for PTSD, please schedule a free 15-minute consultation call with one of our providers. Reach Out to A Trauma Therapist for PTSD Treatment and Evaluation in Ohio, Today. Remember, mental health is a complex matter, and self-diagnosis can often do more harm than good. Seeking expert guidance ensures that you receive a proper diagnosis and a tailored treatment plan, increasing the likelihood of effective management and recovery from PTSD. To accurately assess your mental health and receive the appropriate care, it is essential to consult a qualified mental health professional. While social media can be a valuable source of support and information, it should not be used as a basis for self-diagnosing PTSD or any mental health condition. Finding quality evidence-based treatment options is crucial for recovery, and self-diagnosis can hinder this process. PTSD is a complex condition that requires proper evaluation and treatment. Perhaps the most critical concern is that self-diagnosing through social media can delay or deter individuals from seeking professional help. Delay in Seeking Professional Help for PTSD Believing one has PTSD without proper assessment can lead to unnecessary anxiety, isolation, and feelings of being “broken.” These feelings can exacerbate mental health issues rather than alleviate them. Self-diagnosis through social media can have the unintended consequence of self-stigmatization. Please see my previous post regarding diagnostic evaluations for PTSD. ![]() Attempting to self-diagnose based on social media posts does not account for these criteria or clinical expertise, leading to misinformed conclusions. These professionals use specific diagnostic criteria outlined in the Diagnostic and Statistical Manual of Mental Disorders (DSM-5) to make an accurate diagnosis. Misunderstanding Diagnostic Criteria for PTSDĭiagnosing PTSD is a complex process that requires a thorough assessment by a trained mental health professional. When someone believes they may have PTSD, they are more likely to notice and remember posts and stories that align with their self-diagnosis, even if they don’t represent a comprehensive view of the condition. Confirmation BiasĬonfirmation bias is a cognitive bias that leads individuals to seek out information that confirms their pre-existing beliefs or suspicions. It’s natural to empathize with the suffering of others, but this can lead to overgeneralizing one’s own experiences and incorrectly attributing them to PTSD. When people self-diagnose based on social media posts, they may experience over-identification with the symptoms and experiences described by others. Relying on partial or inaccurate information to self-diagnose can lead to a false understanding of one’s own mental health. Someone may describe their experiences with trauma and PTSD symptoms, but this information may be incomplete, embellished, or even misinformed. Social media posts can vary widely in terms of accuracy and detail. Varied and Incomplete Information About PTSD ![]() Without the full context of a person’s history, trauma exposure, and symptoms, it’s nearly impossible to make an accurate self-diagnosis. Posts on these platforms often provide only a glimpse into an individual’s life and experiences. One of the significant drawbacks of attempting to self-diagnose PTSD through social media is the lack of context. Today, we’ll explore the reasons why self-diagnosing PTSD through social media is a risky practice and why seeking professional guidance is crucial for accurate diagnosis and proper treatment. While it’s essential to promote open conversations about mental health, self-diagnosing Post-Traumatic Stress Disorder (PTSD) based on social media posts can be misleading and potentially harmful. Social media platforms have become a hub for sharing experiences, personal stories, and even mental health struggles. Today’s world is more interconnected than it has ever been. 4/15/2024 0 Comments Blank anger iceberg worksheet pdf![]() The coping cards are color-coded for each category, or can be mixed up. ![]() Share with as many of your own clients as you like.Have clients help you cut out the cards as you discuss each skill.Use the cards in groups - pass them out and discuss each skill.Store the printed cards in a cool-off area (you can pick and choose the ones to use).Combine them with our Magical Emotions Deck (sold separately or in our Entire Store Bundle).Send the PDF to in-person clients for homework between sessions.Send PDF copies to your telehealth clients.Print a custom deck for each client and send them home.Keep a deck in your office for discussion.Download your cards for use with these ideas (and more): This deck of 50 coping skills cards has a dragon and unicorn themed and can be paired however you like with the feelings cards. Telehealth (you can e-mail the cards to your clients for discussion or their own use!).Use with individuals, families, or groups.Choosing cards to express emotions during a session or with loved ones.The content/ feeling words included are appropriate for all ages.Įach card includes original artwork depicting a character showing an emotion, along with a main named emotion and related feeling words underneath. The fantasy artwork is great for kids (and kids at heart). There are also prompt dice included with related feeling questions, so you can combine them with the games or use of the flashcards if you like. There are also several variations of the cards with games, including the following: The main flashcards are dragon and unicorn-themed, and together include 52 cards. This kid-friendly set includes two complete feelings decks focused on identifying and naming emotions. Mindful Mountain - Development of a coping skills strategyĭragon and Unicorn Feelings Flashcards/Decks Details:.Exploding Volcano - Targeting triggers and physical signs of anger.Anger Iceberg - Focused on understanding underlying emotions.The set of worksheets build on each other. Then they can develop a plan to deal with it. This set of worksheets, beginning with the anger iceberg, can help kids get a better idea of what's going on. ![]() There's often quite a bit going on under the surface. We know that having an "anger problem" is more complicated than it seems. Game Variations within the Feelings Decks.Journal of Creativity in Mental Health, 14(2), 169-180.Looking for a fun and effective way to teach feelings and coping skills to kids? This bundle download has worksheets, games, and flashcards with practical activities and strategies. The tip of the iceberg: Fostering appreciation for diversity and commonality. Anger and conflict: Theory and practice.Want more resources like this? Check out our full catalog of anger management worksheets and handouts. A link to download your files will be emailed to you once payment is confirmed. *This item is an instant digital download. They can have honest conversations about anger or start creative projects, such as painting and making emotion masks, to express how they feel. Parents or mental health professionals can further assist kids and teens in exploring their concerns after completing the worksheet. For instance, if a teen often gets angry, the iceberg may show feelings of sadness or frustration underneath. Using the anger iceberg helps kids and teens become more self-aware and deal with their hidden feelings healthily. Examples are given to assist in filling out the iceberg, and there's a space below for them to jot down feelings or experiences that trigger their anger. The visible part is what others see when they are angry, prompting them to explore their deeper emotions. The Anger Iceberg Worksheet is a simple tool that helps kids and teens understand anger by comparing it to an iceberg, with visible and hidden parts. Exploring these hidden feelings is vital to understanding the real source of the anger before finding positive ways to address it. When kids or teens get angry, there's often a deeper emotion causing it. An anger iceberg is a diagram that shows hidden emotions behind anger, such as sadness, fear, jealousy, guilt, and loneliness. 4/15/2024 0 Comments Pac man 30th anniversary arcadeInexpensive System Requirements: Pac-Man doesn't demand cutting-edge hardware, making it accessible to a wide range of players, including those with modest gaming setups.Īddictive Gameplay: The addictive nature of Pac-Man keeps players coming back for more, attempting to beat their own high scores and achieve new milestones. It's easy to understand but challenging to master. Join the celebration of Pac-Mans 30th Anniversary, a classic arcade game that continues to captivate friends and gamers worldwide. Pac-Man is a Japanese video game franchise developed, published and owned by Bandai Namco Entertainment, a video game publisher that was previously known as Namco.Entries have been developed by a wide array of other video game companies, including Midway Games, Atari and Mass Media, Inc., and was created by Toru Iwatani. Straightforward Design: With straightforward game mechanics and controls, Pac-Man requires no extensive learning curve. This Namco developed google doodle Pacman game was initially named as Puck-Man. It was released for the first time in Japan on 22nd May 1980. A pizza shaped, round-faced character eats up dots within a maze. Anyone can pick up and play Pac-Man, making it accessible to players of all ages and skill levels. Pac-Man or Pacman 30th anniversary is a game based on an interesting concept. In May 2010, on the 30th anniversary of the 1980 arcade game Pac-Man, Google unveiled worldwide their first interactive logo, created in association with Namco. Pac-Man's enduring appeal can be attributed to several key factors:īasic Gameplay: The game's simplicity is its strength. The objective of Pac-Man is simple yet endlessly entertaining: navigate a maze, gobble up all the maze points, and avoid being caught by four relentless ghosts. ![]() Its an old game that people still like to play. Pac-Man, also known as Puck Man in Japan, is a 1980 arcade labyrinth action video game created and produced by Namco. Google was celebrated the Pacman 30th anniversary. In 1980, the game’s first version was made available in arcades. In a delightful nod to nostalgia, Google paid homage to the 30th anniversary of the iconic arcade classic, Pac-Man. The classic arcade game Pac-Man is an icon of the gaming world. Developed by Namco, this game has stood the test of time and remains a beloved piece of popular culture. Pacman 30th Anniversary is a video game that came out in 1980 and hasnt been taken off the market since. But Pac-Man, nature and the series, came before. Pac-Man 30th Anniversary is a tribute to the iconic arcade game that has etched its name into the annals of gaming history. Pacman 30th Anniversary Introducing Pacman 30th Anniversary 4/15/2024 0 Comments Mortgage down payment calculator![]() Using the blue “Your Down” calculator in the center, select your credit score, select purchase or refinance, add in the home price, followed by your down payment. How to use Down Payment Decisioner calculator Want to learn more about Private Mortgage Insurance? Read " Everything you need to know about PMI", our authoritative guide on the subject. Check HSH's FHA/Low Downpayment Mortgage Comparator tool to see what's available to you! If you can't muster even a 5% down payment, you still have options to get a mortgage. HSH.com's Down Payment Decisioner can help you learn how to best allocate your precious funds. So should you put down less? Should you scrape or beg Mom or Dad for more? What's the benefit or drawback of either choice? It depends, of course, but one thing is clear: no matter how much money you put towards your down payment, making the best choice isn’t easy. What if you could make a smaller down payment and still pay the same MI cost? What if your down payment was just a little more so that you could pay less for MI… and how much more does it need to be? HSH.com’s Down Payment Decisioner Calculator shows you how both a smaller and larger down payment impacts your overall cost. In addition to your down payment, you’ll also need cash to pay points, closing costs and for reserves. If you're like most of us, though, you've probably only got a finite amount of cash to work with. You might not know that the size of your down payment has a direct effect on the cost of your mortgage insurance and when it can be canceled. You probably know that making a large down payment can make your loan simpler to get and less costly to have. Saving money for a down payment is a long slog. 4/15/2024 0 Comments Shadowrun 5e al character sheet![]() The ones that don’t are simply no better than whatever pre-gens are already floating around.ĭice pools include modifiers from qualities, ‘ware and such in most cases. I had lofty goals of including mechanical notes and advancement suggestions on each of these, but time and Single Page limit were less interested in what I wanted. But for the most part the rest of the builds met those goals. The Technomancer fails almost all of these of course, because, Technomancer. Fake SIN, Licences, one set of “polite” armor and concealable weapons, transportation. Can get through a routine traffic stop without rolling for initiative. Can pass the “Are you a Shadowrunner?” tests. All of them have some kind of Matrix Defense strategy, even if it’s as simple as just being Wireless off except for a burner commlink. Combat as a Secondary if it isn’t the Primary. As newbie friendly as good Shadowrun characters can be. I think they turned out well.ĭesign goals for each build. Troll Face, Ork Decker, Gnome Samurai, and the Decker Tank just to demonstrate some sixth world diversity. I did try to mix in a few “non-optimal” Metatype / Archetype combos. 2 Deckers, 1 Technomancer, 2 Mages, 2 Adepts, 3 Faces (the Edgelord is basically a Face), 1 Rigger, 3 Samurai, 1 Infiltrator. ![]() 2 Trolls, 3 Orcs, 3 Dwarfs, 3 Elfs, 4 Humans.Īrchetype Mix. Street Lethal isn’t missions legal quite yet, if you want to use these before that happens you’ll have to make a call on a couple of odds and ends. Or its on a second Link if you want to print it off. The second group of links are the same thing but without the third page Quick Reference/Character tent. is a combo Character Tent and Quick Reference combat sheet. &2 are the character sheet, fits on a single two-sided page. The first group of Links are a 3 Page sheet. Missions Legal for seasons 5-8 and season 9+ as of FAQ 1.0. "Watch your back, shoot straight, conserve ammo, and never, ever, cut a deal with a dragon."ĥth Edition Pre Gen characters incorporating all source books up to Street Lethal. Living Community (Where you can play online) Subreddits For that please check out /r/ShadowrunReturns for help. Sadly our nova hot community isn't the best place to discuss the mechanics discussion or troubleshooting the video games. Mostly the pen and paper role playing game, but also the deck building card game, video games, and literature of Shadowrun. ![]() Discussion is primarily aimed at exploring narratives found in the Sixth World. Here at /r/Shadowrun we talk shop about all things in the shadows. |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |