![]() ![]() ![]() Lightroom is ok for now, it will live side by side with Luminar for a while, even if I stop paying the Adobe tax every month.ĭarktable would probably be enough if I ever really wanted to learn how to use it. ![]() But it is still alive, so it appears that the perfect enterprise-level DAM still doesn't exist 15+ years later.I only linked to it because MacWorld compared it to Portfolio 16 years ago.back then there was a single user license.iPhoto and Aperture were all I needed for years. The old version that I tried abstracted away your filesystem and relied on manually entering keywords the current website prominently displays all the current buzzwords, but I suspect it still requires a lot of work to gain a limited number of real world benefits. The only pricing information is a link to request a quote, so it may not be suitable for a single user. Long ago, I recycled the installation floppies for the version of Cumulus that came with an old version of CorelDRAW, so I assumed it was buried in the software graveyard. It loads images much faster off of disk and allows me to search for that already processed image quicker than going through my output folders. I use it to categorize the JPEG's I have produced for distribution to the non-profits I shoot for and for my personal use. Media Pro SE was a standalone Digital Asset Manager (DAM) - note I spelled out the definition so the moderators will not go ape over the use of the three letter word - hosting its own catalogue. Capterra is a free interactive tool that lets you quickly narrow down your software selection, contact multiple vendors, and compare platforms for your business. MS sold Expression Media to Phase One who integrated some of the programs features into Capture One. Discover and compare Digital Asset Management Software Applications & Tools for Mac. It's dead Jim.įull disclosure - I bought the MS Expression suite which included Expression Media, which started out as iView MediaPro. (Even Ken Rockwell uses it, so it must be good ) However yesterday () Phase One announced that they will no longer sell Media Pro SE or offer any more updates. When I first saw this thread I was going to jump in and suggest Media Pro SE from Phase One. Our thanks to Eagle for sponsoring MacStories this week.First off - I do not own any Apple products. If you work with digital files want to organize your screenshots, inspirational images and reference files and have constant struggles over file management, try Eagle App to help you with all the work!Įagle App offers a 30-day free trial, each license can pair with two devices, including free lifetime updates! All for only $29.99. Get your digital assets organized today! It also provides cloud connectivity with most of the popular services, so you won’t have to worry about extra learning costs or fees. No Subscription and Cloud-FriendlyĮagle is a on-premise product – everything you saved is in your Mac that is said no subscription needed. NeoFinder keeps track of your documents, photos, songs, movies, and folders wherever they are stored. Instantly browse 90+ file formats that Finder could’t, such as images, videos, docs, GIFs, 3Ds, font, audio, and more! Eagle even has the ability to export images into a specific formats or dimensions directly. You can organize files with tags, folders, and smart folders and search them across different categories such as sizes, shapes, colors, dimensions, ratings, annotations and more! Preview and Export Different Formats with Ease The system provides a central asset repository and offers individual DAM solutions for separate departments, meaning that all assets are connected in a centralized source of truth. Find Your Ideal Files and Images in 0.5 Seconds Cortex’s Digital Asset Management software, Orange Logic, is a polymorphic platform attuned to the needs and workflows of users. Digital Asset Management can be defined as highly efficient software that organises and process files whilst advocating collaboration and file sharing of your digital assets.These assets could be documents, photos or videos (amongst many other file types). On top of that, while collecting, Eagle also auto saves the original URL if you ever want to revisit the resources. Collect & Organize References at the Same TimeĮagle Extension can batch save and capture full pages and screenshots to quickly collect the inspiration whenever you browse your favorite sites. ![]()
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4/16/2024 0 Comments Youtube banner size![]() Luckily, when you’re uploading your final image, YouTube conveniently shows you how much of the image will appear on different devices, including mobile, desktop, and TV. The safe area represents the part which is viewable on all devices. Your YouTube banner gets cropped depending on which device it is being displayed on. Why is the YouTube banner safe area important? This way, it will be displayed perfectly for users viewing your channel on desktop as well as mobile devices. ![]() You must ensure that the content (such as text and logos) you want viewers to see all fit within the safe area of 1546 x 423 pixels. The recommended YouTube banner size is 2560 x 1440 pixels i.e. What is the size of a YouTube banner image? A well thought-out YouTube banner can play an important role in turning your viewers to subscribers. It incentivises the viewer to explore your content further, and take other calls to action based on your requirements and how you design it. It allows you to communicate what your channel is primarily about, and what you will be helping them with, and it also updates your followers on when you’re releasing new videos. Channel Art can also help users identify your niche or who you make content for, and allow them to figure out whether it’s for them. Using a YouTube banner gives your presence on Youtube a cohesive and polished visual aesthetic. A YouTube banner is the very first thing users see once they reach your channel, serving as a static trailer for it. ![]() Here are few reasons to invest some time in creating one: No matter your subscriber count, using a YouTube Banner or Channel Art has multiple benefits for your business or brand. This is what YouTube calls Channel Art, similar to the cover photo or header image on Facebook and Twitter. With the world’s easiest YouTube video editor Try InVideo for free (1) What is a YouTube banner, and how can it help your channel?Ī YouTube banner is an image that sits at the very top of your channel and gives viewers a preview about what they can expect from your content. Create PRO-quality YouTube videos in minutes ![]() ![]() ![]() Let Cortana with Office 365 integration help with tasks like meeting prep. Bring Cortana to your Office to help you get things done. Say "Hello" just once and Windows will log you into your PC and Office-all in one simple step. Office 2016 plus Windows 10 is the world's most complete solution for getting things done. Office apps pick up right where you left off, regardless of the device you were using. Easily save to your cloud storage and switch from one device to the next without missing a beat. Write notes or make annotations using digital ink. Use touch for reading, editing, zooming, and navigation. New charts help you visualize complex data.įrom work to your favorite café, stay connected to what's important-friends, family, and projects across all of your devices. Use one-click forecasting to quickly turn your historical data into an analysis of future trends. Smart Lookup uses terms you highlight and other contextual information in the document to deliver search results from the web, all within the document. Simply tell Word, Excel, or PowerPoint what you want to do, and Tell Me will guide you to the command. Stay on task with Office 64-bit with new, faster ways to achieve the results you want. Review, edit, analyze, and present your Office 2016 documents across any of your devices-from your PC or Mac to your Windows, Apple®, and Android™ phones and tablets. Or use the new modern attachments in Outlook-attach files from OneDrive and automatically configure permission without leaving Outlook. Share right from your document with a click of a button. ![]() Improved version history lets you refer back to snapshots of a document during the editing process. See others' edits with coauthoring in Word, PowerPoint, and OneNote. Office 2016 makes it easier to share documents and work with others at the same time. See what's new in the Microsoft Office 2016 apps: ![]() It offers a seamless experience across different devices, allowing users to work efficiently from desktop computers, laptops, tablets, and even smartphones. With its user-friendly interface and robust features, Office 2016 empowers individuals and organizations to create, edit, manage, and share various types of documents, spreadsheets, presentations, emails, and more. Microsoft Office 2016 is a comprehensive suite of productivity software that includes popular applications like Word, Excel, PowerPoint, Outlook, and OneNote. You can download Microsoft Office for PC offline installer from the site by clicking on the free download button. And new themes and styles help you pull it all together to produce stunning, professional documents. A refreshed task pane interface makes positioning, resizing, or rotating graphics easy so you can create exactly the layout you want. The new Microsoft Office includes updated versions of Word, Excel, PowerPoint, OneNote, and Outlook, and the moment you open any one of the apps, you'll immediately feel the difference. Still using Office 2016? Achieve more with the always up-to-date apps and services in Microsoft 365. ![]() 4/15/2024 0 Comments Genogram of 3 generations![]() Upon examination her lungs are clear to auscultation and no evidence of lower extremity edema.Discuss the following:1) In reviewing her medication list and current symptoms and clinical signs, whichmedication could the nurse practitioner consider de-prescribing.2) Once the patient has completed the prednisone taper, which medication could the nurse practitioner begin to reduce given the patient’s reported symptoms.3) Given the absence of an exacerbation of heart failure and compliance with a reduced sodium diet, what other medication(s) adjustments could the nurse practitioner consider atthis time.Submission Instructions:Your initial post should be at least 500 words, formatted and cited in current APA style with support from at least 2 academic sources. She also reports no symptoms of GERD for the past 6 months and minimal arthritic pain because of regular use of acetaminophen and daily walking in the halls of her independent living facility. ![]() She states that the weight loss may be due to a change to a healthier diet and reducing sodium as instructed. In further review, she was found to have lost weight over the past 6 months of 5 lbs and her current BMI is 25. Today she reports 1 week after discharge with her daughter for a primary care appointment, and they both were concerned about the number of medications she was prescribed and wanted her medications reviewed. Her discharge report indicated resolving bronchitis, no exacerbation of heart failure, and stable arthritic pain. She lives alone but will reside temporarily with her daughter while she recovers. Her current list of daily medications prior to hospitalization includes metoprolol succinate 12.5 mg, pantoprazole 40 mg, atorvastatin 10 mg, lisinopril 10 mg, furosemide 40 mg, potassium chloride 20 meq bid, acetaminophen 650 mg bid for pain and tramadol 25 mg as needed. While in the hospital she was prescribed doxycycline, prednisone 15 mg to taper, and a tiotropium inhaler. She has a history of heart failure, hypertension, osteoarthritis, GERD, and hyperlipidemia. is an 80-year-old woman recently discharged from a 24-hour observation stay at the hospital after being diagnosed with acute bronchitis.
4/15/2024 0 Comments Krystal in quicksand![]() ![]() It's also worth noting that she actually can't escape this substance without help. It's intriguing in that, out of most of the sugary sticky substances, it's only this material that completely nullifies Krystal's glue powers. Kryptonite Factor: This is the most surefire way to trap the red troublemaker. Substances: Liquid gummi, marshmallows, molasses, most other sugary sweets that can be pretty sticky Another side effect is that her glue powers weaken if she's trapped in these substances. Weakness: I've found that, out of most substances, she seems to get stuck in sugar-heavy substances! However, she can still escape from these traps. However, if you really want to capture Krystal, heed the next paragraph well! It's only a lure, though, in order to get the victim trapped so she can "have fun" with them. The trouble was that Krystal can sometimes "play" with her victim and pretend to be able to be trapped in something like trap glue. ![]() Substances: Mud/mucky grounds, quicksand, slime trails, Alien glues, sugary ground ![]() Normal Grounds: As the name implies, it seems that Krystal can get stuck or get slowed down in the following, just like most other species. Substances: Most natural Earthbound adhesives, Tar/Asphalt (though the quicksand compartment of tars can still be enough to ensnare her due to suction forces) Needless to say, I'll just consider it that she can't get stuck, but she can get slowed down. Resistances: This is a bit weird, though the gist is that while Krystal could get stuck, it'll take far more time or matter than normal adhesives. Substances: Trap Glues, Manufactured Earthbound adhesives Total Immunity: This means that, no matter which form she takes, she actually cannot get stuck in the following substances. However, that doesn't matter, because from all this time I saw her in the field, I can narrow down her weaknesses! Yeah, Krystal can turn herself into glue. At the end, the rain's close and she just decides to sit in the edge of the clay's pit and relax for a while.While I know that there's not much people who care, I'm still going to write this down as a reference. Due to the clay's grasp, she needed to made so much effort to get out. Krystal pulls out her arms and, helping herself with the edge of the pit, the fox starts to pull out her body. She already spent an hour sinking in the mud and dirtying all her body, so she decides to stop getting deeper. While she sinks more and more, Krystal begins to spread some clay on her body, dirtying her arms and her boobs in the process. Soon, the mud reaches to her belly, she starts to feel how the clay squeezes her butt and her legs under the surface, getting in her bikini bottom. The fox starts to shake her hips and her legs excitedly and the clay just let her sink. Krystal is curious about the invasive pit and decides to let herself sink to have some dirty fun. Her movement revealed a small gray clay pit in the middle of the site, embracing her legs softly and making space for her shape in the depths of the sticky mud. Then, in a cauntionless step, the terrain yielded and her legs sank in the ground. Luckily or not, she found a place without high grass, and the fox decided to get through it with curiosity. The grass was so high that she needed to put aside the high density of the flora. Krystal the fox was walking around a pastureland with the hope of have some fun splashing in the marshy ground of the site. ![]() 4/15/2024 0 Comments Youtube free download mp3 music![]() Grab The MP3Īs you see, Grab The MP3 is a free YouTube MP3 converter that can convert any video to an MP3 format and download videos in seconds. You can play it to check if it's the one you want before downloading.Ī Quick Start Guide to YTMp3 convert YouTube to MP3 via YTMp3ġ) Copy the YouTube video URL into the converterĢ) Choose MP3 format and click the Download MP3 button #2. This tool will quickly analyse the YouTube video links you have pasted and provide you with download options for MP3 and MP4. YTMp3 is a free YouTube to MP3 converter online to help you easily convert YouTube videos to MP3 files and download them with ease. Let's check out the instructions for converting YouTube to MP3 online using these free YouTube to MP3 converters. The top YouTube to MP3 converter online is listed below. Top 10 Free YouTube to MP3 Converter Online ![]() Then tap the Save button to store all your edited YouTube MP3 music tracks to your computer after customization. With the service, you could trim and merge all YouTube MP3 tracks. You could go to edit these downloaded YouTube music files by clicking the EditEdit button at the rear of each track. ![]() 4Save the YouTube to MP3 track after Editing Then you could stop the recording by clicking on the Stop button. Wait for several seconds and the program will start to download YouTube to MP3. Open the browser from TunesKit Audio Capture and enter YouTube website to start the playback of the track. You can also adjust the value of bit rate, sample rate, and channel. There are up to six audio formats including MP3, FLAC, AAC, WAV, M4A, and M4B for you choose from and you need to set it as MP3 files. Now, you need to configure the output YouTube audio parameters. 2Configure the YouTube to MP3 output parameters Or you can tap the + icon to add the target program. If not, drag and drop the browser to the main home. You need to check whether there is the browser for navigating to YouTube website. Once you launch TunesKit Audio Capture on your computer, you will see there are lots of programs listed on the interface of TunesKit Audio Capture. Now please read the tutorial on how to use TunesKit YouTube to MP3 converter.ġFire up TunesKit Audio Capture on the PC Plus, it comes with a simple audio editor that you are able to merge several YouTube MP3 audio tracks into one, cut the length, and edit the ID3 tags. Moreover, this best YouTube to MP3 converter is capable of converting multiple videos from YouTube to MP3 simultaneously without affecting each track and exporting YouTube MP3 downloads with high quality. ![]() TunesKit Audio Capture is the top-notch audio recorder that enables you to download and convert all types of videos or audio from streaming music services like YouTube, online radios, game music, movies, and more to a series of plain audio formats like MP3 with lossless quality and complete ID3 tags. Best YouTube Converter to Convert YouTube to MP3 Comparison of TunesKit Audio Capture and Online YouTube MP3 Downloaders You are then surely be able to transfer the YouTube Music MP3 downloads to your USB drive, MP3 player, DJ mixer, etc. It'll download the music tracks as well as the music videos for offline playback. KeepMusic YouTube Music Converter stands tall among its competitors delivering superior functionality and unbeatable audio quality.Įmbedded YouTube Music Web Player in KeepMusic, both YouTube Music Free and YouTube Premium users can directly download single songs, playlists, albums, or podcasts from YouTube Music with the converter and get the songs flawlessly converted to MP3. ![]() This is a clean and safe YouTube Music to MP3 converter, that allows YouTube Music listeners to download songs and playlists from YouTube Music to multiple different audio formats like MP3, AAC, ALAC, WAV, FLAC and AIFF. If you are not looking for a YouTube to MP3 converter, but for a streaming YouTube Music to MP3 converter, KeepMusic YouTube Music Converter would be your best choice. Use KeepMusic YouTube Music Converter (Recommended) ![]() 4/15/2024 0 Comments Free shemale porn site list![]() ![]() Therefore, they might not appeal to you as much as shemales with cocks. However, some of them might have undergone surgeries to remove their penis. It is also said that shemales and transgenders work in huge numbers as prostitutes. Remember that you will have to pay in advance to spend some private moments with them in this case. You can get in touch with them via the contact information provided in these personals and then you can request them to meet you. Such people can use the ad posting sites where shemales usually upload their personals. However, some of these sites do not allow non transgender people to register. 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Shemales or transgender individuals are mostly people with the heart of a lady and a body of a male. ![]() 4/15/2024 0 Comments Thumbs up sunglasses emoji meme![]() ![]() If you’re feeling shy, ashamed, or embarrassed, use the wronged emoji to send a message. You can use it when you’re genuinely surprised, shocked, or amazed.ĭescription: Peach face with wide eyes and an open mouth It’s a peach face with wide eyes and an open mouth as if it’s astonished by something. Įver seen something that makes your jaw drop? That’s what the surprised emoji is for. Usage: To express feeling flustered, uneasy, or embarrassed 6. You can use it when you’re feeling flustered, uneasy, or just plain old embarrassed.ĭescription: Teal face with a concerned look It’s shown as a teal face with a concerned look and a sweat drop on its right brow. The embarrassed TikTok secret emoji is perfect for those awkward or cringe moments. You can also use this emoji to show extreme joy, like when you see a video of a cute cat or bouncing puppy.ĭescription: A blue face with tears streaming down both cheeks The crying emoji is shown as a blue face with streaming tears. If you’re feeling blue, use the crying TikTok secret emoji to show you’re sad, upset, or just need a good cry. Usage: To express displeasure or anger 4. The angry emoji is shown as a red face with a furrowed brow and stress marking on the upper right side.ĭescription: A red face with a furrowed brow and X-shaped eyes ĭon’t like what you see? Use the angry TikTok emoji to express your displeasure. Usage: To show extreme excitement or enjoyment 3. Use this secret emoji to show extreme excitement, such as when you’re really enjoying a TikTok video.ĭescription: A peach-colored face with squinty eyes and a big open mouth It is shown as a peach-colored face with squinty eyes and a big open mouth. The happy TikTok emoji is similar to the smile emoji but with a larger, more open mouth. Usage: To show happiness, love, or appreciation 2. Use this secret emoji in a comment to show how much you like someone’s video.ĭescription: A small, round, pink smiling face It can be used to show happiness, love, or appreciation. The smile TikTok emoji shows a small, round, pink smiling face. Keep reading for the TikTok emoji codes and meaning of each emoji below. And, since they’re hidden from the main keyboard, they’re perfect for adding a little bit of flair to your comments and captions. TikTok’s secret emojis are a great way to add some personality to your posts. Full list of TikTok secret emoji codes and what they mean Just type out the code between square brackets. If you have a favorite emoji, just remember the shortcode, and you can use it on TikTok anytime. Watch it turn into a TikTok secret emoji!.Paste the shortcode into a TikTok caption or comment.Wondering how to get secret emojis on TikTok? You’ll need to use a specific emoji shortcode to use one of the 46 secret TikTok emojis. #ScotScorchio □☀□☀□☀ : TikTok’s biggest demographics, key things you need to know about the platform, and advice on how to make it work for you? Get all the must-know TikTok insights for 2022 in one handy infosheet. So, the emoji sees wide use when people are showing off a new pair of shades or enjoying some sunshine or warm weather.įind out if it will get over 20C today (red highlighted area) where you are? Some places still over 20C at 9pm – Inverclyde, Renfrewshire, Glasgow, Lanarkshire, Dumfries, Aviemore and Great Glen. □Supreme Queen Fan Club Barcelona□866 awards□ May 3, 2021įor all the colorful ways we use the the Face With Sunglasses emoji □, don’t overlook the fact that its sunglasses are meant to be just that-a pair of actual sunglasses, similar to the Sunglasses emoji □. Superstar performers and athletes also get praised with the Face With Sunglasses emoji □.īeyoncé is Sasha fierce, I need her back □ /CBB3x0obzJ I think right now everyone working in hospitality in Ireland should visit this restaurant…Such a Positive place ,Well done all □□□□ /pOrfqc8SD9 ![]() The Face With Sunglasses emoji □ can express that everything is A-OK between two people or show strong approval of something. These uses love to be paired with a “this guy” Backhand Index Pointing Left emoji □ or Thumbs Up emoji □.Īnair you have blown my mind !!What a meal. Pack some swag this #WardrobeRefreshSale on /70lqopHjLY Get your #swag on for the football season with my favourite backpacks from the #SwagPack collection by □ Or it can convey swag, whether in attitude, appearance, or accessories. Playing off the long association between sunglasses and hipness, the Face With Sunglasses emoji □ is the emoji embodiment of cool. The emoji can convey satisfaction, whether one is kickin’ back and relaxin’ or impressed with someone’s performance. ![]() 4/15/2024 0 Comments Jotform websites scam![]() ![]() This operation is the latest move in a multi-year struggle between the FBI and its allies around the world and ransomware gangs that are often based in Eastern Europe and Russia. Well-resourced ransomware groups often rebuild their computer infrastructure after law enforcement disruptions - and rename their hacking tools in an effort to limit reputational damage in the criminal underworld. Government and private investigators all over the world will be scrutinizing LockBit’s next moves. LockBit accounts for a quarter of the ransomware market based on victim information the hackers have posted online, according to Don Smith, vice president of threat research at cybersecurity firm Secureworks. LockBit’s ransomware has been rampant in the last year - far outpacing other variants of ransomware, according to private experts. Like other cash-flush ransomware groups, LockBit rents out its ransomware to “affiliates,” who use the malicious code in attacks, then takes a cut of the ransom paid out by victims. In another operation against a ransomware gang announced a year ago, the FBI said it had access to decryption software that saved victims about $130 million in ransom payments.Īnalysts believe LockBit has members or criminal partners in Eastern Europe, Russia and China. It can also signal deeper law enforcement access to the hackers’ networks. Seizing a ransomware group’s dark-web site forces cybercriminals to set up new computer infrastructure to extort victims. The NCA statement suggested a long-running infiltration of LockBit, allowing law enforcement to acquire the hackers’ “source code,” or the secret nuts and bolts of a software program that make it function. LockBit has targeted more than 2,000 victims and received more than $120 million in ransom payments, the Justice Department said in a statement. The US and Russia do not have an extradition treaty, and bilateral cooperation on cybercrime is even lower than usual given tensions over Russia’s war in Ukraine. ![]() ![]() The department did not identify a location for Sungatov. ![]() The Treasury Department also announced sanctions against Kondratiev and Sungatovīut it’s unclear if they will ever see the inside of a US courtroom. Kondratiev is in Russia, the Treasury Department said. Separately, the US Justice Department announced the indictment of two Russian men, Ivan Gennadievich Kondratiev and Artur Sungatov, for deploying LockBit ransomware against victim organizations throughout the US, including against unnamed manufacturing firms. Two LockBit operatives were arrested in Poland and Ukraine at the request of French authorities, Europol, the EU’s law enforcement agency, said without naming the two people. On Tuesday morning, US and UK authorities revealed a fuller picture of the crackdown against LockBit: the NCA and FBI said they had developed software that could let “hundreds” of victims worldwide decrypt computers locked by the hackers. “We can confirm that Lockbit’s services have been disrupted as a result of International Law Enforcement action - this is an ongoing and developing operation,” says a message posted on the hackers’ website on Monday, along with the seals of the FBI, UK National Crime Agency (NCA) and a host of other law enforcement agencies from Australia to Germany. LockBit also claimed responsibility for ransomware attacks on the Industrial and Commercial Bank of China and Fulton County, Georgia, in recent months. The hackers claimed credit for a November ransomware attack that forced New Jersey-based Capital Health to cancel some patient appointments. It’s a blow to the near-term operations of a multinational ransomware gang known as LockBit, which has been a menace to organizations all over the world, including health care providers in the US. The FBI and its international allies have seized a dark-web site that the world’s most prolific ransomware gang has used to extort its victims, according to a message on the website viewed by CNN. ![]() 4/15/2024 0 Comments Loan repayment calculator![]() ![]() ![]() For all “non-secured” type of loans, income history and all documentation must be provided without any missing information in order to lessen the chances of getting looked over. You have a better chance of qualifying for a personal loan if your credit score is high to very high, but these are not common and provided in relatively small dollar amounts. These are generally personal loans and are more difficult to obtain. For these loans, the more money paid up front, the better.Ĭonversely, an unsecured loan is one without collateral. If the borrower defaults, then the lender can take the car or the property and sell it to satisfy the debt. A car loan and a home mortgage are secure loans because the lender holds the car title or the home deed to the title until the loan is paid in full. A secure loan is one where the borrower provides collateral, meaning something of value that could be exchanged for the debt. Secured vs Unsecured LoansĪ loan can be either secure or unsecured. Remember, the lender is the one taking on risk and needs to verify that you can repay the debt. Be prepared to provide pay stubs, bank statements or tax returns. Prefer to calculate offline? See our free Simple Excel loan calculator.īesides your credit score, the lender will look at your income and work history. If the third card with the $8,000 limit had a balance of $2,000 and you paid it off and cancelled the card, your debt ratio would rise to 66% because you eliminated a large portion of your available credit. If the total amount you owe on all three cards is $ 10,000 your debt to available credit ratio is 50%. This makes your total available credit $20,000. Read the examples in the next paragraph to see how easily someone can make a mistake… Let’s Crunch Some Numbersįor instance, let’s assume you have three credit cards, one with a $5,000 limit, the second with a $7,000 limit and the third with an $8,000 limit. This ratio makes up 30% of your credit score. If you pay off a credit card, don’t cancel it because it will increase your ratio. The lower the ratio of debt to available credit the better. To improve your credit score, make all payments on time and eliminate as much of your debt as possible. The lender offers lower interest rates to those with high scores because they present less risk of default. If your credit score is not a shining star, you may want to postpone the loan or be prepared for a high interest rate. You can access all three at the same visit or you can opt to visit three times a year and download the report from one agency at a time. You are allowed one free credit report a year from each of three credit agencies – TransUnion, Experian and Equifax. The official place to find your credit score is. Things like on- time payments, available credit, amount owed and type of credit are all considered in the formula that displays your credit worthiness.ĭon’t fall for those sites that have “free” in their name. The score is calculated from your past credit history. ![]() The range is 300 to 850, and the higher the score the better. One of the most important steps before applying for a loan is to know your FICO credit score. The cost of such debt is not just monetary, but also includes stress and potential health issues. However loans which are used to fund vacations and other consumables are typically a bad deal for consumers, because they pull forward tomorrow's wages and spend them today, requiring the sum to be paid back with interest. That’s when borrowing money becomes a good option.įinancing which is used to help grow income may in some cases be quite beneficial for consumers. It’s a challenge to save $10,000-$20,000 for a car and almost impossible to save cash to buy a house outright. But often times because of various circumstances, cash is not possible. The ideal way to acquire things is to save and then pay with cash. It’s a Numbers Game – So Practice Often and Play with Few ![]() |
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