Guide Go to temp folder in the launcher directory, delete all files. Try logging in again and, if everything worked, you should receive the e-mail with the authorization code. Your text editor might need admin privileges. ADMIN MOD Potential fix for blank launcher. Instead of relying on chance, you can open up C:WindowsSystem32driversetchosts. Ive tried every fix: underclock, delete epic games launcher, driver update and roll back, turning xmp off, re-installing the games. I thought something was wrong with my pc until I realized the games crashing all ran unity. The latest launcher installer can be download directly through this link (if it happens to be invalid in the future, please let me know and I can update it): Īn account is not required to test the launcher, since the issue is present in the login window too. The unofficial subreddit for the video game Escape From Tarkov developed by BattleState Games Members Online SirCamperTheGreat. The unofficial subreddit for the video game Escape From Tarkov developed by BattleState Games. It either crashes immediately or is a black window while nothing is changing, causing heavy flickering even when moving the mouse and animations are playing. The game launcher for Escape from Tarkov is broken since D9VK got added with commit 54ed8f0. If you have encountered the Filename downloaded file checksum does not match error when installing the game via the launcher: You need to follow the next steps: Set full rights for the current user (folder properties, Security tab) for the game and launcher folders.
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Kid-friendly channels like Cartoon Network, Disney Channel, Nickelodeon, and more are included in the Hulu + Live TV channel list. However, DIRECTV STREAM offers more regional sports networks than Hulu + Live TV, which makes it a better pick for some sports fans, depending on where you live and which sports you're interested in. The channel lineup is similar to what you'll find with providers like YouTube TV and fuboTV. On top of that, your Hulu + Live TV plan also comes with free access to ESPN+ and the ability to purchase more sports channels with the Sports Add-on. You'll get a good mix of sports channels with your Hulu + Live TV subscription, enabling you to watch the NFL, NBA, MLB, and college sports. Like most other live TV streaming services, Hulu also has an option to add premium networks like HBO Max and Starz for an additional monthly fee. The service also gives you access to a long list of Hulu Originals, such as Only Murders in the Building and Nine Perfect Strangers. Hulu + Live TV offers a well-rounded selection of entertainment and lifestyle channels, including Animal Planet, Bravo, Comedy Central, History Channel, and TLC. Here's how the Hulu TV channels compare to other platforms. Not sure if Hulu + Live TV is the right streaming platform for you? It might help to compare it to other popular services like YouTube TV, fuboTV, DIRECTV STREAM, and Sling TV. Hulu gives subscribers the option of adding extra channels with premium add-ons and channel packages. So getting HBO will give you access to Max, and Showtime will give you access to Paramount+ with Showtime, even while HBO and Showtime's content is also available within Hulu. Hulu + Live TV allows you to upgrade your plan with premium channels like HBO and Showtime, and these also include access to their standalone streaming services. In certain markets, you'll be able to watch every local network (including ABC, CBS, FOX, and NBC) - unless there's a blackout on a particular program. Local channel availability with Hulu + Live TV will depend on your physical location. Some notable exclusions include Bally Sports (formerly Fox Sports Networks), Marquee Sports Network, and NESN (New England Sports Network). It's important to note that Hulu does not have an agreement with every regional sports network. Some games may be subject to blackout restrictions, depending on the league's broadcast agreements and your device. If your physical location is outside of your home network, you may be able to watch local channels in your current location. When you sign up with Hulu, you'll designate a "home network" that will determine your location and which of these channels you receive. As a subscriber, you'll get networks like CBS Sports, ESPN, ESPNEWS, FS1, and NFL Network in your Hulu channel lineup.ĭepending on where you live, you might have access to a regional sports network in your area, like NBC Sports Bay Area or NBC Sports Chicago. The Hulu channel lineup includes a number of sports channels, including coverage of professional and college leagues. See the Full List of Hulu Channels in Your Area Wondering what channels are on Hulu? Every Hulu + Live TV plan gives you access to more than 85 networks in the Hulu channel list, including local networks. This is an amazing game to use your eyes and memory to find objects and progress to the next level. Lots of imagination and fine artistry in the scenes and objects found. Lots of mini-games with hidden objects to fine. Midnight Castle Review by Big mama jessie. Latest Feb-18 by Shylo (shylo2425) IOS Friends 1873. Find Friends, learn tips and tricks, read strategy guides, ask for help or just kick back in Fletchers Tea Room and dodge the odd explosion. This update includes a fix for the crashing/freezing issue and. Not complicated and brings a sense of accomplishment as you achieve more and open new hidden object sites. A forum devoted to the FTP game Midnight Castle. IMPORTANT: MIDNIGHT CASTLE UPDATE I have great news A new update to Midnight Castle (PC) is now available in the Big Fish Games app. This, by far, has been the most entertaining and fun game I have played. The game takes place in a dark and mysterious castle where the player must find hidden objects to progress through the different levels. Please Note: Midnight Castle currently supports iPhone 4S or above, iPad Air, and iPad 2 or above, running iOS 8 or above. Free update version of midnight castle download software at UpdateStar - Midnight Castle is a hidden object game developed by AllSmartGames. Stay connected for exciting news and details on the story. One of the nifty features of Midnight Castle is a gift option. Friendly players always seem to be willing to offer help and advice. The more friends you have, the more gifts you will have to open. All the latest information, including teaser images and estimated times for updates for both the PC version and the iOS version can be found on the Midnight Castle Facebook page. Share gifts and wish lists, and help your friends get items they need to move on. Play with all your friends, even sign in with Facebook. Craft as many as you can and be rewarded each time. Use items you find on the castle grounds to craft exquisite relics, potions, and poisons. It is designed to simplify the process of updating software, drivers, and firmware on Lenovo devices. CRAFT INCREDIBLE ITEMS TO HELP YOUR QUEST. Lenovo System Update is a software utility developed by Lenovo to keep their computers running smoothly and up-to-date. Coins and diamonds are always available for purchase. Stock up your inventory, or sell glorious relics for more currency. Unveil mysterious treasures and use your coins and diamonds to unlock more fantastic locations. Hosted by Jenifer (Zarknorph) All FAQs Answered Here Follow. Your quest will lead you through dark passages and down illuminated paths. From the beautiful royalty, to menacing dragons and trolls, experience a world of wonder. Explore what lurks in the Mystery Chamber and save the fate of the Midnight Castle. Adventure beyond the gates of a mysterious castle to discover a story rich with enchantment and thrilling secrets. If you are ready for a mesmerizing adventure filled with discovery and fantasy, download Midnight Castle and unravel the mysteries that lie within.A dark mystery full of hidden objects is here. The app is notably praised for its ability to blend beautiful artwork and intriguing characters with an array of puzzles that are both stimulating and enjoyable to solve.Īs you revel in the exceptional gameplay and dive into the numerous quests laid out before you, prepare to be ensnared by the charm and secrets that the game holds. One of the standout features is that you can start this captivating experience at no cost on your tablet, as well as on other devices. Share this fantasy with friends or immerse yourself in a solo adventure that is especially delightful on Google tablets, thanks to stunning visuals and engaging gameplay. As the game unfolds, each unique object you uncover and each enigma you solve paves the way to greater rewards and experiences. Free midnight castle update download software at UpdateStar - Midnight Castle is a hidden object game developed by AllSmartGames. This hidden object adventure is not merely a game of seek-and-find it is an expedition into a secret realm populated with breathtaking royalty, formidable dragons, and mischievous trolls. An update program that periodically check for new fixes, patches upgrades for any HP software and drivers you may have installed on your computer. Your mission is to uncover the castle's concealed treasures and utilize them to craft astonishing artifacts, mystical potions, and potent poisons that will assist you in your quests. As you step through its mysterious gates, a world brimming with puzzles, secrets, and a maze of hidden items awaits. What should I do Troubleshooting your device and game can help. Embark on an enthralling journey within the enigmatic grounds of Midnight Castle, a hidden object adventure game designed to captivate and challenge you on your tablet. Now accepting pre-orders for Small & Large Thanksgiving Feasts! Order by Nov. Or just grab something Ala carte to go, chilled, fully cooked main dishes, sides or pies. Serve these piping hot Thanksgiving dinner favorites. Pick up a Hot Thanksgiving dinner, or get it delivered. Bob EvansĪn annual favorite, our Farmhouse Feast is complete holiday meal, packed cold and ready to heat, serve and enjoy! Get everything you need for a homestyle Thanksgiving meal. Yep that’s right, the roll itself is stuffing flavors incorporating flavors from a vegetable blend and stuffing-flavored base. The new sub comes on a roll with an X factor too – 7-Eleven’s signature stuffing-flavored roll. Turkey sandwich (Gastronomic SLC) Thanksgiving deals in years gone by…įor the holidays ‘sev have a new Butterball turkey sub with sharp white cheddar cheese and cranberry mayo. Take out: Meal for four priced $175 comes with oven roasted turkey breast, sausage & herb stuffing, gravy and cranberry relish served with your choice of a medium sized holiday side to go salad, a medium sized holiday side to go side, and four personal sized pumpkin cheesecakes. Three course prix fixe – example menu (CA location) This shop is open to residents of the continental United States except in Hawaii, Virgin Islands, Puerto Rico and Alaska while supplies last. Only for a limited time while supplies last. All you have to do is thaw, heat and serve. 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Take the same care you would in one of your projects when you create your graphic design portfolio. Treat your portfolio as if it is one of the projects you want to incorporate. Having excellent work is great, but presentation is just as important as what should be in a graphic design portfolio. So, how do graphic designers showcase their work? Some things you can include to help showcase your personality is of course your name, a picture of yourself and additional information such as a story about your personal or professional life in relation to your work. This will help your clients or potential employer see the artist behind the art. If you are creating a graphic design portfolio online, you can dedicate an entire page to your about section. One great way to incorporate your personality is through your about section. Whether it is through the work you curate, the way you present it, what you write in, your personal branding, or however else you might convey it. This may seem like a hard thing to incorporate, but you can do it in several ways. A lot of employees or potential clients want to see your personality in your portfolio before they decide if they want to work with you. Your personality should be your guiding light when deciding what to put in a graphic design portfolio. For example, if you have done a lot of print design, but you want to move more toward digital design, you should keep that in mind when creating a graphic design portfolio and consider only including your digital design projects. If someone is looking at your graphic design portfolio and they like what they see, odds are they will want similar work from you. You may have a project that was one of your best ones, but you may want to leave it out if you do not want to continue doing that type of work. As stated in the first tip, you only want to include the best of your work. Only include the type of work you want moving forwardĪnother important consideration when it comes to what to include in graphic design portfolios is to only showcase the type of work you want to do in the future. If you have experience with different types of design, it’s good to include examples of both projects in your portfolio. That being said, you want to show your audience your versatility. Odds are that whoever is looking through your portfolio won’t have time to go through every single piece, but if your first few projects are your strongest ones, they shouldn’t need to look through much more. Quality over quantity is key, consider including 10-20 of your most impressive designs. All the more reason to only include the best pieces in your design portfolio folder. What you want to keep in mind is that you only have a short amount of time to capture someone’s attention. The good thing here is that there is no hard rule regarding how many pieces to include. The next question then is: how many pieces should be in a portfolio? You have to be your own critic and include only your best graphic design portfolio pieces. You don’t want to showcase every single piece you have done, because odds are, they are not all of the same caliber. It can be hard to choose between visual projects that you have worked endlessly on, but if you truly want your graphic design portfolio to stand out, you must be picky about what you add to the collection. Let’s get the first problem out of the way: exactly what to include in a graphic design portfolio. Be picky about the graphic design pieces you showcase Here are our tips on what to put in a graphic design portfolio that will leave a lasting impression. It can be confusing and challenging at first but with the right resources, building an impressive portfolio is easy. Now, if you’ve ever asked yourself, “what should a graphic design portfolio look like?” or need inspiration for what to put in a graphic design portfolio, you’re not alone. While it is important to have a standout graphic design portfolio, it could be what sets you apart from all of the other designers, although you should not rely solely on this to get you the job. Having your own graphic design portfolio is a good start, but if you want your work to stand out in today’s digital age, you have to take your portfolio to the next level. Last updated on March 13th, 2023 at 04:24 pm Bn có th làm rt nhiu vic thú v trong th gii Terraria t vic ào bi, chin. Ngi chi s hóa thành mt anh hùng ánh bi k thù hung ác trong cuc hành trình chu du khp th gii. If any of yall have it on a MacBook Pro please tell me. Make your dream come true and feel like a real train driver while playing Train Simulator 2017. Terraria là ta game phiêu lu 2D dành cho di ng hin ã có mt trên Windows. I was wondering because steam says that terraria is compatible with Mac but it doesnt specify if it works on a MacBook Pro. And developers have prepared a lot of different unpleasant surprises: sharp turns, travel on railway bridges, tunnels, steep descents, and ascents. It is important to take into account the speed and weight of the train, otherwise, the locomotive can simply go off the rail at the entrance to the turn. 5, Windows 7, Ubuntu 14.04 and all newer versions of these systems.lso know, is there a way to get Terraria for free How to Download and Install Terraria for PC for Free. Managing the train is not so easy as it may seem at first. Click the Download button on the sidebar, and the Terraria HappyMod download page will open in a new tab. One of the features of the game is the ability to add new content to the game - trains, routes, railway stations, and various structures. It is noteworthy that all the trains presented in the gameplay, as well as all the routes on which they move, were created by the developers based on real-life locomotives and routes. The game boasts high realism and entertainment. Starbound is a 2016 game that drops the player into a lost in space story where they need to beam down to the planet below them, fix their ship and explore what the universe has to offer. However, if you ever wanted to run Terraria on. 505 Games Srl published Terraria for Android operating system(os) mobile devices. Head over to v now and download the mod menu for free, and get ready to embark on an unforgettable journey through the boundless realms of Terraria. Free download Terraria for PC Windows or MAC from BrowserCam. Don’t miss out on the incredible opportunities and exciting adventures that await you with the Terraria mod menu. With the help of the game, you can go on an exciting tour around the world and carry thousands of passengers and tons of cargo. Visually this game is extremely similar to Terraria and will provide fans with equally entertaining gameplay and building mechanics. Download the Terraria Mod Menu for Free at v.
Caution: This is a synthetic measure (an aggregate one) and it is concerned only with value, not real inventory levels. Roughly speaking, in order to sell all these goods you are going to completely substitute your inventory four times in a year. If, for example, the total cost of units sold in a year is 2 million dollars, in this case, the Inventory turnover index will be 4: Inventory turns = (2,000,000/501,000) = 4 turns So the average (in a year) aggregate (across all items) value of your inventory is roughly half a million dollars. Assume you can evaluate the average level of your inventory during the year the inventory is typically composed of raw materials, work in progress, and finished goods. It is, roughly speaking, an indicator that tells you how many times, during a year, your inventory is completely replaced. One of the most widely used, although not so trivial to assess, is the Inventory Turnover index. There are quite a few KPIs that managers use to evaluate their inventories to keep them under control. Here is the inventory turnover formula: The equation for inventory turnover Inventory Turnover Definition Cost of goods (COGS) refers to the cost of goods sold, as this represents the direct costs associated with the production or acquisition of the goods sold during a specific period.Ĭost of goods is used instead of physical sales as the sales amount will include the mark-up, whereas the inventory turnover ratio is more interested in the total cost to the company. The inventory turnover calculation is a simple ratio that divides the cost of goods sold by the average value of inventory. To tune the sales and purchases between each other, you can use an inventory turnover ratio calculation. Sales must always match the inventory purchases, otherwise, an imbalance in inventory turnover can be the result. Sales issues : Sales and purchasing departments should always work collaboratively. This results in additional expenses such as storage and inventory holding costs, or extra labor issues. However, companies that acquire too much inventory often face challenges in selling their excess inventory. Stock purchasing : A company can purchase too much inventory over a fixed time period and will have to take action to sell it all in order to boost the inventory turnover rate. In general, the ITR plays a crucial role in business success for 2 main reasons – stock purchasing and sales issues. Selling and replacing inventory several times a year will result in the company generating more revenue and profits. Because of the constant, high demand for these clothing items, coupled with effective marketing strategies and the implementation of strong inventory management software, the company sees a high inventory turnover ratio. Knowing your inventory turnover ratio additionally allows for a better understanding of cash-flow management, through inventory optimization, and decisions dealing with pricing and purchasing.Ĭonsider a retail outlet stocking a wide array of trendy, fast-fashion items. This financial ratio allows a company to calculate how long it may take, on average, to sell its inventory.Īs previously mentioned, the main benefit of knowing your company’s inventory turnover ratio allows for more effective inventory management strategies to be implemented, as the ratio will assist in highlighting weak points within the current inventory management system. The inventory turnover ratio, or a business’ inventory turnover, refers specifically to the number of times a business has sold and replaced its stock within a given period. This article will explore the uses of the inventory turnover ratio, by looking at the factors that affect it and how to implement the ratio calculation. The way in which this is usually calculated is by using the inventory turnover ratio. This helps businesses assess the efficiency of their inventory management, demand forecasting, and marketing strategies, allowing them to make any necessary adjustments to improve their sales. It is imperative to the system of operations that businesses take note of what stock is selling and how quickly it is selling. Plus, all my cookbooks including Planned, have all the macros done for you. I’ve taken the hard work out for you and made it as easy as possible. Each week included two meals, breakfast, lunch, and a grocery list. Planned was based on 6 weekly meal plans with additional meals to throw in as needed. If you want some more ideas, you can get the best ideas from my cookbook Planned. If you’re still not sure about how macros work, then you can read this blog post here. You don’t have to macro-count to meal prep this way, but it can make macro-counting so much easier. It’s like a meal–prepping for future you! That way no protein goes to waste, but you don’t get sick of a certain kind of meat. Quick Pro-tip: if you only want to eat one protein for about 2-3 meals, then you can freeze a portion of the protein for meals the following week. The options are endless.Īnd when it comes to planning, don’t forget to add in your breakfasts and lunches too because those macros can really add up. Or you can prep extra romesco sauce from your pitas, and use your second prepped protein like chicken to make this Easy Romesco Chicken Salad. You can prep a yummy green sauce and have flank steak tacos if you still have leftover meat. Then, you can eat it in these yummy pitas one night, and then use it in this Steak and Arugula salad the next. With your proteins and sauces in mind, you can start to build your own meal plans.įor example, you might decide to prep this amazing flank steak–a favorite at my house. It has enough pages to last you the entire year, keeps your grocery list organized by sections of the store, and it’s perforated so you can tear it off and take it shopping with you if you’d like. I do have a magnetic weekly meal planner available to purchase on my website to make things a little easier. Whatever works best for you and your family! Or, you can plan out every day leaving nothing out. You can plan a dinner or two, and then use leftovers for the rest of the week to throw together meals like tacos or bowls to fill in the gaps. When it comes to building your meal plan, you can be as specific as you want. It’s definitely an easy option for when time’s short.įor more details on how I use the rotisserie chicken during the week, you can check out the caption on this reel here.Īfter you get the protein and the sauce, it’s time to make a solid meal plan. I love buying the big bags of already pulled chicken, sorting through it to get rid of the gross stuff, and voila–I have perfectly prepped protein that I can use especially in soups, casseroles, pastas, etc. Of course, if you don’t feel like prepping a protein, a rotisserie chicken from Costco can also work in a pinch. If you want some good protein ideas, my blog is filled with them like this honey chipotle chicken. The options are endless–just choose one (or maybe two) your family really likes! Whether that’s flank steak, ground beef, chicken, pulled pork, turkey meatballs, etc. The first step is to pick a protein to prep. Here are my 3 steps to macro-focused meal prepping 101… #1 Choose One or Two Proteins to Prep But if you DON’T, at least you have the most important part of the meal ready to go. That’s why I love to batch-prep proteins and sauces to make my life easier all week long! You can get super organized and plan exactly what’s for dinner every night. Add counting macros on top of it, and you might just want to raise the white flag. Shopping for and making dinner can already feel overwhelming sometimes. With a little meal planning and prepping, you can save yourself (or at least mostly) from the dreaded dinner drama and fatigue. The boys starving, grabbing for chips or old Halloween candy while I stare into the fridge with absolutely no idea what to make is no fun. At least not every night! And that’s coming from someone who loves to cook. If I had to start dinner from scratch every night, I wouldn’t cook. She’s more interested in looking “Great and Powerful” rather than beautiful. Rather plain for a Unicorn, but in an endearing way. I’d like to see something come out of it. What can I say? I enjoy out snappy repartee together. Mark my words, I’ll be there when it does. Oh, that ponies’ sexuality is a repressed egg just waiting to crack. I tease and test her quite a bit, but honestly, I wouldn’t be here without Twilight. Change up the mane, wear the friendship necklace. Though she could stand to liven up her aesthetic some. I mean, if she asked me, I wouldn’t say no, but don’t expect me to give my A game.Īgain, not impossible. That mare has the sex drive of a stop sign. We bonded a little after she helped me work though some nightmares. Well, we do have kind of a history together, so I’m not sure how well it would work out. Oh, I’d make that Sunbutt go supernova when I’m through with her. Turns out she invited me to the Gala because she wanted me to ruin it. We managed to get along a lot better than I expected. She’s got a good figure for her build and her ever flowing hair is nice (plus it’s fun to brush) Not with all that harmony jargon you use to preach.” I never figured you to be the kind of pony to become weary of high society. I’m sure I can do something to fix that,” he replied with a toothy grin. “I suppose the upper crust of Canterlot has been getting a little too cozy with themselves. He stroked his beard as he considered her underhoofed proposal. The pony who thought it would be fun to just chuck a snowball. The pony who intentionally worked her prized pupil into a tizzy for the sake of the lesson. He then remembered that this was the pony that invited him to the gala for the sole purpose of spicing it up with his antics. Conversations with ponies she could not predict were few and far between, much less with those that had been about before Equestria.ĭiscord blinked once he had fully processed what Celestia was implying. There’s a number of nobles that are… shall we say, a little too uptight for their own good?” There were more reasons for wanting the chaos spirit around, true, but most of them were rather selfish. “It’s almost a shame you do not visit the palace more often. Perhaps next time we will be sure of a fair contest beforehoof.” She said, trotting past him back towards the castle. But with Discord, it was rather hard to say. If she didn’t know any better, Celestia would think he was attracted to her. Though in his own way, being unpredictable was Discord’s most predictable trait. The demo will need 3 of the wrestling art and 3 of the hentai art for a NSFW demo.Well, this reaction had been nothing like she had anticipated. Some extra stuff that I'm not sure I will add just yet.Establishing shots for the 3 location - The Arena, Gym, and MC's apartment.Entrance shots of the characters as they enter the ring (about 6).Wrestling art of different moves (about 18).This is an estimate of what I want, I may ask for a bit more or less than this. Wrestling ring (both empty and crowded).A logo for the in-game wrestling company. I'm looking for an adorable anime style for the CG art, and a cute poppy art for the logos. I don't really have a deadline for my project I'm in no hurry to get these done. My plan is to have SFW and NSFW versions of the project. I just need a bit more art for the demo to be presentable. I already have all my sprites and a basics of a demo programmed. My project is about women's wrestling and all the characters are female. Hello! I am an indie developer working on my first project. To see your mortgage payment with our calculator, here's what you'll need to provide: Paying an additional $500 each month would reduce the loan length by 146 months.Lowering the interest rate by 1% would save you $51,562.03.Paying a 25% higher down payment would save you $8,916.08 on interest charges.That was a relief to us, but only you can decide whether you’d prefer to owe less each month or have more savings or investments. In the end, for what was in our case a $250 processing fee and an additional 13% of the home's selling price, we lowered our monthly payments by $1,400. I also like knowing that we'll never be on the hook for that gigantic monthly mortgage payment and that we'll pay less in interest overall. I want that feeling again when we eventually sell our New Jersey house. We loved getting to keep most of the money from the sale of our New York house because we had paid more than our monthly mortgage payment there. But our decision was partly psychological. Over time, those potentially could have netted us more money than we saved on our monthly mortgage payments because the interest rate on our mortgage is fairly low. Why we recast our mortgage There are many things we could have done with the proceeds of our home sale instead of lowering our monthly payments. It would've been less than 3 months had I searched my spam folder sooner for the documents to e-sign. It took about 4 months from the time we called to initiate the process to the time our monthly mortgage payment was lowered. We checked our mail We received a printed letter confirming that our principal had been reduced and our lower monthly payments would start coming directly out of our checking account a couple payment cycles later. This time, we knew to look in his spam folder right away. My signing prompted the mortgage provider's system to email my signed documents to my husband-because he is also on the mortgage and needed to sign. I also needed to upload a picture of my government-issued photo ID. We had to e-sign some paperwork Once I fished the email out of my spam folder, I electronically signed the required documents. We mailed a signed letter explaining our intentions (Please take a lot of our money now so we can start paying less each month) and included the 2 checks in the envelope. We had to mail payments and a letter The email confirmation contained info on where to mail the processing fee check as well as the lump sum check that we wanted applied to our principal. We got an email confirmation This message reiterated the lump sum we wanted to put toward our principal and what our new monthly mortgage payments would be. They confirmed my email address and my husband's so they could send an agreement to us to sign. We had to give them info over the phone Once we were talking to the right person, they asked us how much we wanted to add to our principal. So pack your patience and choose a time when you have more than just a few minutes to spare if you can't request paperwork online. We had to call It took several minutes before I was connected to someone who both knew what recasting was and what our servicer's process was. Here's what the process looked like for us. We had to wait until after we made our first gigantic payment other lenders might have required more monthly payments or recasting within a certain time frame after closing. the minimum additional principal payment.who qualifies for recasting, based on your loan type.(I was still a cynical New Yorker after all.) I learned that my current lender may sell my loan to another lender quickly after closing, and different mortgage servicers have slightly different rules about: Many lenders may let you pay more than your minimum monthly payment, so you can keep whittling down the principal faster if you choose. Plus, you may be able to pre-pay your mortgage even after recasting. But it doesn't require a closing process-and the thousands of dollars that tend to go along with that-or restart the clock on your mortgage's duration (happy face).Īnother recasting benefit: If you didn't have the 20% down payment and therefore had to pay private mortgage insurance (PMI) on your loan, recasting-to the point of having at least 20% paid-may have removed the extra cost of PMI. Unlike refinancing, mortgage recasting doesn't change your rate (sad face). Along with that lump sum, you pay a processing fee of usually a couple hundred dollars, and then the lender recalculates your monthly mortgage payments based on the lowered remaining balance on your mortgage. Our broker explained that recasting, otherwise known as principal curtailment, is when you put a lump sum toward the principal of your loan after you've already closed on your home.īecause we'd have more money after we sold our New York house, we could use that for a lump sum toward our New Jersey home loan on top of the initial down payment. |
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