![]() ![]() Templates can contain anything that regular documents can contain, such as text, graphics, a set of styles, and user-specific setup information such as measurement units, language, the default printer, and toolbar and menu customization.Īll documents in LibreOffice are based on templates. New documents created from this template will all have your company’s logo on the first page. For example, you can create a template for business reports that has your company’s logo on the first page. ![]() ![]() ⌥ (Option) or Alt, depending on keyboardĪ template is a model document that you use to create other documents. For a detailed list, see the application Help.Ĭontrol+click or right-click depending on computer setup The table below gives some common substitutions for the instructions in this document. Some keystrokes and menu items are different on macOS from those used in Windows and Linux. Please direct any comments or suggestions about this document to the Documentation Team’s mailing list: you send to a mailing list, including your email address and any other personal information that is written in the message, is publicly archived and cannot be deleted. You may distribute it and/or modify it under the terms of either the GNU General Public License ( ), version 3 or later, or the Creative Commons Attribution License ( ), version 4.0 or later.Īll trademarks within this guide belong to their legitimate owners. This document is Copyright © 2022 by the LibreOffice Documentation Team. ![]()
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Calculate monthly mortgage payment3/1/2024 ![]() ![]() Barring any unforeseen circumstances and resurgence in inflation, lower mortgage rates could be on the horizon, but the journey towards them might be slow and bumpy.” “The ongoing deceleration in inflation, coupled with the Federal Reserve’s recent indication of potential rate cuts, suggests an environment supportive of modest declines in mortgage rates. First American deputy chief economist Odeta Kushi.As long as economic data continues to point to the rate of inflation easing toward the Fed’s goal of 2% mortgage rates will go lower for the foreseeable future.” The Fed’s pause on rates at the December meeting along with predictions of three rate cuts in 2024 has mortgage rates on the decline. “I think we can safely say that the peak of mortgage rates in this economic cycle is behind us. William Raveis Mortgage regional vice president Melissa Cohn.Overall, though, rates are expected to remain above 6% throughout. ![]() ![]() “The Federal Reserve has indicated that there will likely be cuts to the short-term federal funds rate in 2024, which will put downward pressure on mortgage rates. Insights from Economists: Detailed Predictions for Mortgage Rates in January 2024 While rates remain elevated, the Fed recently signaled that it will begin to cut rates in 2024, indicating a further downward shift in mortgage rates may soon come. Forbes Advisors Average Mortgage Rates For January 2024Ĭurrently, the average 30-year, fixed-rate mortgage is 6.66% as of January 11, according to Freddie Mac. ![]() 2048 x 1152 yt banner3/1/2024 ![]() ![]() ![]() The best resource to rely on for valuable information is the Adobe website where details about everything are provided to make you understand all the concepts.Īfter the learning process ends, all you need to do is practice all the different techniques on the PSD file and make the necessary edits on it without any hassle. Customize the look to fit your style with bold backgrounds, special stickers, and hundreds of unique fonts. ![]() Create a YouTube banner in no time using the Picsart YouTube Banner Maker. And you can do it all yourself, without spending a penny. For this purpose, you can search the internet for different tutorials that explain each and every concept and technique in the best way. This YouTube Banner Maker is the only tool you’ll need to take your YouTube channel to the next level. Now at first, you need to learn the basics of using Adobe Photoshop for PSD file editing.Īdobe Photoshop is a vast software and has a multitude of options to experiment with, you will have to have a strong grip on them. Adobe PhotoshopĪs said above, the banner template is available in Photoshop (PSD) format so in order to edit the PSD file you should have Adobe Photoshop software on your PC or Mac. Here are the options to create a professional custom YouTube banner for your channel. If you have some graphic designing skills, you can make your YouTube banner yourself using Adobe Photoshop or any other photo editing software. We also published a different blog post, covering everything step-by-step on how to make a YouTube banner? Have a call to action in the right place.Keep the important elements in a safe area.Choose colors wisely or use the brand colors.Picture, Banner image, and Video watermark. File types uploaded to YouTube should be JPEGs or unlayered PNG files no larger than 6 MB. Here are some YouTube banner design tips to help you create a perfect banner template for YouTube. Our recommendations for image sizes are based on the YouTube maximum size (2560 x 1440 pixels) and the minimum size (2048 x 1152 pixels). Here are a few important things you should include in your channel banner.Ī professional YouTube banner with strategic design, prominent colors, and simplistic text is the best way of making it. You need to take advantage of it because it’s the best branding opportunity available on YouTube, and you should use it better.Ī good YouTube banner makes a positive impression, and you can attract more viewers and subscribers just by adding the professionally designed YouTube header template. Let’s explore… Why is the YouTube banner important?Ī YouTube banner conveys the brand of your channel. License: Free for Personal/Commercial usage.YouTube Banner PSD Resolution: 2560 x 1440 pixels.Because they have an in-build template for you as a guide, you won’t need to download it if you’re using any YouTube banner template maker. Download YouTube Banner Template PSD FreeĪ YouTube banner template is important if you’re not using online YouTube banner maker tools like Snappa, Canva, Placeit, etc. So your channel art looks perfect on desktop, mobile, and TV displays. NOTE: We recommend using the YT banner template. Safe area for text and logo: 1235 x 338 px.Here is the screenshot for your reference: But now, they have changed channel art size guidelines. What is the YouTube Banner Template Size?Īccording to the guidelines, they recommend uploading a YouTube banner template 2560×1440 px image back in 2021. WebPlaceit - YouTube Banner Maker for Gamers Education & Arts Music & Podcasts Services Shops Sports Logos Highlights. Add your own YouTube banner background, logo, channel name, punch line, etc. Report An Issue Join The Discord: Network and Converse with other NewTubers on the Discord Need A Tutorial: Check Out VeryFetch.YouTube Banner (also known as “ YouTube Channel Art” or “ YouTube Header Image“) is the first large banner image that you have seen on the top of your YouTube channel page.Ī YouTube banner template is a pre-sized blank canvas that you can use to create your custom channel banner from scratch. Report Harassment, Mod Abuse, or Appeal Enforcement Anonymously Join Us to help build a community of growing channels that can develop together, so that the next generation of content creators is even stronger than the last! Whether you're a gaming, gardening, cooking, or any other channel, NewTubers is the place to learn! NewTubers is the Premiere Small Content Creator Community, created to allow up-and-coming creators to improve through critiques, feedback, and cooperation among thousands of peers! We teach you how to Start, Build, and Sustain your Content Career! Official Discussion TIL Content Q's Technical Q's Critique Others Seeking Collab ![]() Military map protractor reading3/1/2024 ![]() ![]() Reviews and Recommendations: Before purchasing a map protractor military, read reviews and seek recommendations from fellow military personnel, outdoor enthusiasts, or professionals involved in navigation tasks.While you want a high-quality and reliable product, it's essential to find a balance between affordability and functionality. Price: Consider your budget when selecting a map protractor military.Opt for models that are designed to withstand rugged environments. Durability: Military operations often involve rough conditions, so it's crucial to choose a map protractor military that is highly durable and resistant to water, impact, and wear and tear.It should fit well on standard military or topographic maps without obstructing important information. Compatibility: Ensure that the map protractor military is compatible with the maps you commonly use.Evaluate if these features align with your specific needs and if they provide added value to your navigation tasks. Additional Features: Some map protractor military models may come equipped with additional features like magnifying lenses, compasses, or rulers.It should be portable enough for you to carry it with you on your military operations or outdoor adventures. Portability: Look for a compact and lightweight map protractor military that can easily fit into your pocket, backpack, or tactical gear.It should have multiple scales (metric and imperial) and be adaptable to different map sizes. Versatility: Consider whether the map protractor military is designed for various types of maps and scales.You want a protractor that doesn't cause confusion or strain while using it in the field. Ease of Use: Check if the map protractor military has user-friendly features, such as clear instructions, easy-to-read markings, and comfortable grip.Look for a protractor that has precise and clearly marked degree markings, ensuring that you can accurately plot and measure angles on a map. Accuracy: Accuracy is essential when navigating with a map protractor military.This will ensure that it can withstand rugged conditions and won't easily break during use. Material: Look for a map protractor military that is made from durable and long-lasting materials, such as high-quality plastic or metal. ![]() Read also: 14 Amazing Military Protractor for 2024 Things to Consider Before Buying a Map Protractor Military: Stay tuned as we delve into the remarkable features of each protractor and evaluate their potential impact on military operations in the near future. Whether it's measuring distances, calculating azimuths, or plotting coordinates, these state-of-the-art map protractors are designed to assist military personnel in achieving accurate and efficient navigation. From advanced digital options to traditional analog models, these map protractors offer a plethora of features, precision, and durability that are crucial for military operations. These cutting-edge tools are poised to revolutionize military navigation and strategic planning. Introducing the 14 Amazing Map Protractor Military for 2023! As a content writer expert, I am thrilled to explore and share the incredible range of map protractors specifically designed for military use in the upcoming year. Your purchase of these products through affiliate links helps to generate commission for, at no extra cost. (Many of the links in this article redirect to a specific reviewed product. ![]() ![]() ![]() Health: Health Insurance Co-pays Medicine Other health expenses.Transportation: Car loan payments car insurance car maintenance public transit costs gas parking/tolls Other transportation expenses.Food: Groceries Eating out Other food expenses.Housing: mortgage or rent Utilities (power, gas, water) Internet, cable, satellite Insurance Other (taxes, HELOC payments, etc.).Here are some ideas for expense line items and categories, in case you miss any: Skip a line after this category and move on to Food, following the same pattern. In the cells below this one, fill in different housing expenses that you have each month, like mortgage or rent payments, utilities, and insurance, using one cell for each expense. Start by skipping a line after your "Total Income" cell in column A and write in "Expenses." In the next cell down, write in "Housing." This is the largest expense for most people, so create space for this category of expenses first. Because of this, it's easiest to split your expenses up into general categories. Odds are that there will be considerably more individual line item expenses than there are income items. Next, you need to input expense in the same way that you put in income. Recheck it to make sure that it matches the formula above.įill in expense titles. If you receive an error message when entering the formula, this means that you have made an error in writing your formula.Excel has many other functions that can be used to simplify calculations. The SUM function in excel adds up the value contained within the specific cells, which can either be input individually (B2, B3, B4) or in a range (B2:B4).The whole formula should look something like this: =SUM(B3:B4). Alternately, you can type in the cell range by typing the first and last cells, separated by a colon, into the SUM function. In the example, this would be cells B3 to B4. Then, click the cell to the right of "Net Pay" and drag down to the cell to right of your last income line item cell. In the cell directly to the right of that cell (B5 in the example), you need to create a formula to calculate total income. Create this cell in the next available cell underneath your last income line items (so, if you only have "Net Pay" and "Other Income," this will be cell A5). When you've created cells for all of your types of income, you'll need one that totals up your monthly income. Home Budget - Our original selection of home budget worksheets.Make a cell that calculates total monthly income.Family Budget Planner A yearly budget planner, with the same categories as the household budget spreadsheet. ![]() Household Budget Spreadsheet (monthly) - More detailed and includes child expenses.Personal Budget Spreadsheet The 12-month version of the above spreadsheet.Money Manger - A more advanced budget management tool for Excel.After making a change, you should check the formulas to make sure they are still correct. If your Net is negative, that means you have overspent your monthly budget.Īdding or Removing categories: You need to be careful when adding or removing categories, to avoid messing up the formulas used for calculating the totals. The Monthly Budget Summary table in the upper right of the worksheet totals up all your income and expenses and calculates your Net as Income minus Expenses. So, if you spend more than you budgeted for, the value in the Difference column will be red - to help it stand out as a warning. The spreadsheet uses the accounting format where negative numbers are in parenthesis like (115.00), and conditional formatting is used to make the negative numbers red - red means bad in this case. The calculations in the "Difference" column are set up so that negative numbers are bad. Using the Personal Monthly Budget Template See our articles Make a Budget and 5 Basic Budgeting Tips if you are just getting started or new to budgeting. At the end of the month, you record in the "Actual" column how much you really spent during the month.įor a more detailed set of budget categories, see the Household Budget worksheet. This represents your goal - you're trying to keep from spending more than this amount. You record your desired budget for each category in the "Budget" column. The purpose of this type of budget worksheet is to compare your monthly budget with your actual income and expenses. Some numbers are included in the Home Expenses category as an example, but you'll want to replace those numbers with your own. To use this template, just fill in numbers that are highlighted with a light-blue background (the Budget and Actual columns). ![]() Animated youtube logo maker3/1/2024 ![]() ![]() Never wait too long for a video to get edited and approved with collaborative video features and AI tools that speed up advanced edits like auto-transcribe or auto-cut. Lessen your video turnaround time to just minutes–not days. Speed up video creation with a diverse range of AI tools Fine-tune it and meet your audience on leading video-first platforms. Turn written content into a video by importing the blog post URL to the blog post you want to make a video out of. Maximize each social channel by repurposing video content and creating short clips fit for every format. 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Turn rough drafts into professional videos with AI Only work on your content once, and publish it everywhere as an engaging video. Kapwing's Document to Video AI scans written content and creates a high-quality video for you, summarizing all the key points in your document. Instantly change the format of any block of text. Get video versions of any document, article, or essay Providing you with a large selection of subtitle style presets, Kapwing offers a smart feature that automatically caption videos so you don't need to manually type out closed captioning or subtitles every time. ![]() Jump into a fully-fledged video editing platform with an intuitive interface. Produce quality videos without a learning curve ![]() Creating videos with Kapwing's AI Video Generator gives the best results with detailed descriptions. Likewise, you’ll be surprised how easy it is to create a professional-looking logo instantly with BrandCrowd logo maker.Kickstart every project with something by using AI generated videos to find a good starting point for quality video content. Lots of logo ideas are present on the website so you’ll never run out of inspiration. Whenever you need a distinct identity, turn to BrandCrowd. Once you’re done, download it instantly! Have it in various formats like JPEG, PNG, PDF, and SVG. Browse the library of ready-made logo templates and customize the one you love in just a few clicks. Just mix and match your logo’s elements until you find the right balance. Take your branding to the next level with a professional-looking YouTube channel logo With Renderforest's YouTube logo maker, you can easily create your logo without having advanced design skills. Hues of red, black, and orange are the best color choices for your horror-themed logo. There you’ll see the evil pumpkin, a floating blanket ghost, Count Dracula, the walking dead, a bloody wordmark, etc. Lots of unique and spooky icons and logo styles can also be found in the free logo maker. Make it unique by changing the color, icon, text, shape, and layout. Then select a logo design that you’d like to modify. ![]() Begin by browsing through our library of high-quality logo templates. We have lots of bizarre-themed logos that you can customize using our Horror logo maker. Create an atmosphere of dread and terror with our Horror logos. ![]() Word to pdf converter online3/1/2024 ![]() ![]() Try both if you are not sure which one is more suitable for your task. ![]() The exclusive engine is much slower but may have better results. Easily convert MS Office files like DOC and DOCX to PDF format. It differs from conversion engines created by other companies. 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Sample personal budget bi monthly income2/29/2024 ![]() ![]() ![]() Each investment is unique and involves unique risks. contracts for difference (“CFDs”) is speculative and carries a high level of risk. Risk Warning: Investing in digital currencies, stocks, shares and other securities, commodities, currencies and other derivative investment products (e.g. A hyperlink to or positive reference to or review of a broker or exchange should not be understood to be an endorsement of that broker or exchange’s products or services. Notwithstanding any such relationship, no responsibility is accepted for the conduct of any third party nor the content or functionality of their websites or applications. We may receive financial compensation from these third parties. Please be aware that some of the links on this site will direct you to the websites of third parties, some of whom are marketing affiliates and/or business partners of this site and/or its owners, operators and affiliates. Travel Budget Template: Vertex 42 Key Takeaways FAQ Sources Wedding Budget Worksheet: Bridal Musings 32. College Budget Template: College Life Made Easy 30. Teen Budget Worksheet: Family Education 29. Couples Budget Template: Light by Lemon 28. Family Budget Template: Wondermom Wannabe 26. Household Budget Template: Stay-at-Home Mum 25. Savings Tracker Template: Light Room Presets 24. Bill Organizer Budget Spreadsheet: Samplewords 22. Small Business Budget Template: Smartsheet 19. Financial Planner Template: Printable With Lisa 17. Printable Budget Planner: Moritz Fine Designs 15. Cute Budget Template: Printable Crush 13. Beginner Budget Template: Savor and Savvy 12. Excel Personal Budget Template: Vertex 42 9. Google Sheets Budget Template: Aspire Budgeting 8. Bi-weekly Budget Template: Jren Digital 6. Simple Monthly Budget Template: Bobbi Printables 5. Spending Comparison Spreadsheet: Life and My Finances 4. Weekly Budget Template: Life and My Finances 3. Printable Monthly Budget Template: Life and My Finances 2. Why Do You Need a Monthly Budget Template? 1. ![]() Nfl week 10 print your brackets2/29/2024 ![]() ![]() Every week, on either Sunday or Monday, we will update the next week's sheet with the current Point Spread for each game. Below are two sample images, the one on the left has the generic title, the one on the right has been customized.Our Spread 'Em pool is also known as an ATS or Against the Spread Pool. ![]() If you click the "print" button just the printable version will load. If you click "Customize this Bracket" the printable bracket will load with the option to edit the title and print. When you find and click on the bracket you need, you will be directed to a sample view page. The match ups are based solely on the luck of the draw.Īll of our brackets are available to print for free, most of our brackets now have the capabilities of being customized. Unlike Seeded Tournaments, Blind Draw Tournaments are organized in a way the players are not ranked based on previous results or experience. What is the difference between "Blind Draw" and "Seeded"? ![]() Those are the basics for starting a Seeded tournament, visit the "How To Run A Tournament" links above for complete details on running an entire tournament. This can get confusing if you are designing your own brackets, that's we we have saved you the trouble and created them for you. We have devoted an article to explain How Byes Work in a Tournament. When the number of teams in the bracket is not a "Power of 2" the highest seeds receive "byes". A seeded tournament is set up so that the highest ranked team plays the worst team, the second highest ranked team players the second lowest ranked team and so on. The number 1 ranked team goes on the blank line marked "1", the number 2 ranked team goes on the blank line marked "2" and so on. The numbers run from 1 to the number of teams participating in the tournament. The brackets are marked with numbers along the left hand side. If you use the brackets below the seeding's are very simple and are always done the same way. Once the number of players or teams has been decided you will need to print the corresponding tournament bracket from below. The tournament begins by determining the number of players or teams that will be participating in the tournament. For more details check out How To Run a Single Elimination Tournament or How To Run a Double Elimination Tournament. These tournaments can be either single elimination or double elimination. The end of season playoffs in all pro sports use the seeded format. The match-ups are based on how well a team did during the season or league, and sometimes based on skill level or experience. A Seeded tournament is organized in a way that the players are ranked based on previous results or experience. ![]() A Seeded Tournament is usually ran during events such as Baseball, Football, and Wrestling. There are basically two ways to run single and double elimination tournaments, one is "Seeded" the other is "Blind Draw". At the bottom of this page you will find all of the free printable Seeded Tournament Brackets that we have available. ![]() Discord change server icon2/29/2024 ![]() Discord has multiple channel types, some of which you can only use on a Community server: Set up your channelsĬhannels are the spaces where you'll communicate over text or voice. ![]() My article on managing Discord roles explains tons of use cases that make managing a Discord server easier and more fun. You can also tweak channel-specific permissions for your roles in a variety of user management techniques. Click on your server name in the upper-left corner of your screen, then go to Server Settings.Ĭreate new roles that have unique settings for all of the features belowĬhange each role's name color and how they appear in the online users listĮdit permissions for actions like posting and creating threads If these features sound helpful, go to your server settings to find the Community server menu. The option to join Discord's discovery network so people searching for new servers can find you Server insights that provide analytics about member behavior and your channelsĪ built-in rules screening process that requires new members to agree to rules before posting Stage channels where a small group of members can speak to listenersĪ welcome screen that introduces your server to new members ![]() ![]() This server mode adds a variety of features for easier community management on a larger scale, such as:Īnnouncement channels that other server owners can publish in their channels If you plan on opening up your community to the public, consider making your server a Community server. With all those steps completed, you'll have a brand new server to work with. ![]() AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |