![]() ![]() After all, different users have different needs. Even though they are cost-free, they should be able to do more than just convert those videos. Testing free YouTube to MP3 converters is more involved than you might think. How we test free YouTube to MP3 converters We've thoroughly tested all the tools in this guide, and can confidently recommend them. It pays to be careful, though YouTube to MP3 software is very popular, so it can be easy to stumble across malware when you're looking for one. However, for anything more it's worth downloading a dedicated desktop application and perhaps even buying a paid subscription if you can afford it.ĭesktop software will also be faster, because the data isn't processed on a remote server, and some applications are also capable of converting multiple YouTube videos to MP3 format at once. If you're only going to be doing it once or twice, it might be worth considering an online tool. When you're looking for a free YouTube to MP3 converter, one of the first things to consider is how many videos you want to convert. How to choose the best free YouTube to MP3 converter for you Read our full review: ClipGrab Free YouTube to MP3 converter FAQs The MP3 you seek will be yours in next to no time. You can then indicate that you are interested in downloading the audio as an MP3 before you click the 'Grab this clip!' button to do just that. ![]() Copy a YouTube URL to the clipboard and ClipGrab will spring into action, offering to download the related video for you.Įven if this doesn’t happen – you might not yet have the program running, for instance – a quick paste into the relevant field is all it takes. The wonderfully simple interface gives you a pleasing hint of just how easy things are going to be, right from the word go. Read our full review: 4K Video DownloaderĪn utter delight of a program, ClipGrab makes converting from YouTube to MP3 nice and simple – aside from the bundling of the Opera browser, which is easy to skip if you'd rather avoid it.ĭuring our tests, we found that ClipGrab does an excellent job of making it all straightforward. You can download and convert longer playlists to MP3 format if you buy a license key, but the software's free features are very impressive. It lets you download up to 24 videos in a playlist, which is particularly useful for grabbing several songs by a particular artist. The free version of 4K Video Downloader does have its limitations, but we find that it suits most people just fine. Select 'Extract audio' and pick MP3, OGG or M4A, then click 'Extract' and the audio will be converted and saved to the destination of your choice. Copy the URL of a video from your web browser (it supports YouTube, Vimeo, Facebook, Flickr and DailyMotion) and click 'Paste URL'. It works in a similar way, too, but because this app is chiefly for downloading whole videos, there are a couple of extra steps involved. It might not be the most stylish software around, but like 4K YouTube to MP3 above, 4K Video Downloader is brilliant. Also, unauthorized downloads are against YouTube's terms of service, and TechRadar does not condone the use of these products for any copyright-infringing purposes - so make sure you have permission from the uploader (or copyright holder) to download their content for personal use. Not to be confused with the best free music downloader apps, these converters will let you convert YouTube content into MP3s with ease.īear in mind that viewing content on YouTube on the browser or via the app helps support YouTube creators since the more views they get, the more money they can make. We've tested many of these tools ourselves and compiled this list of the best picks, including only those that meet our high standards. This can be ideal for long flights or trips to the great outdoors, when you won't reliably be able to access YouTube itself. Instead of downloading videos like the best free YouTube downloader apps, these tools convert videos to the MP3 audio file format, perfect for listening on the go with your iPhone or Android device. ![]()
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![]() ![]() ![]() - Kings can be moved only to a spaces in the layout.ĭeal ten cards from the deck (in the lower right corner), one to each tableau.- Spaces may be filled with any available card or packed sequence.- If you have a descending sequence, they can be moved as a unit or in part to another column.- The top card of each pile is always available for play to another pile.- Build down (for example, a 7 can be played on a 8, 9 on 10).These files are the foundations and the tableau at the same time, and all action takes place on them. Spaces should be made as soon as possible, and used to move cards into groups by suit.ĭeal out 54 cards in ten piles as follows: six cards in the first four piles, five cards in the last six piles.The object is to build down in suit sequences. Same suit sequences should be preferred even though building is down regardless of suit.This move is allowed only if no tableau is empty. Kings can be moved only to a spaces in the layout.ĭeal ten cards from the deck (in the lower right corner), one to each tableau.Spaces may be filled with any available card or packed sequence.If you have a descending sequence, they can be moved as a unit or in part to another column. ![]() The top card of each pile is always available for play to another pile.Build down (for example, a 7 can be played on a 8, 9 on 10).Layout:ĭeal out 54 cards in ten piles as follows: six cards in the first four piles, five cards in the last six piles. Spider Two Suits is Spider with only Spades and Hearts. So to win the game is to clear the entire tableau of cards. Once a sequence is built, it is removed from play. To group all the cards in sets of 13 cards in sequence down in suit from King to Ace. Number of decks: 104 cards, 2 Modified Decks (half Spades, half Hearts).The chances of winning in this variation are 65%. ![]() ![]() ![]() You need a budget to use for a specific purpose? Fret not! We have a wide range of budget templates that you can choose from such as monthly budgets, restaurant budgets, household budgets, annual budgets, and so much more. With the professionally-written format and layout of our templates, you are guaranteed to have a better financial planning process. We have created these templates to provide you an itemized summary of your financial activities so that you can review it better and efficiently. This template is made up of two sheets, one for your budget breakdown and the second is your dashboard.Improve your overall budget plans by downloading our 100% customizable, high-quality, and easily editable budget templates in Adobe PDF format. ![]() Now that you’ve made a list of your goals and started tracking your expenses, you can begin creating your actual budget using a personal budget template.īegin by downloading the personal budget template, and inputting your income, savings goals, and expense amounts for the first month. Getting Started With a Personal Budget Template in Excel Be sure to have monthly check-ins on your budget and don’t hesitate to update it as your circumstances change. ![]() Additionally, just because you create a budget one month, doesn’t mean your expenses and goals will be the same for the next. Using a personal budget template is helpful to get your budget started, though you can always personalize your budget to match your specific needs. Of course, you may decide to change the amount you budget for each item, but this will at least provide a baseline to go off of. Review your bank statements for the last three to four months to get an idea of your spending. To make accurate estimates of how much you should allocate to each expense within your personal budget, you will need a sense of how much you are currently spending in each area. ![]() Your long-term goals could take many years to accomplish, with examples of long-term goals including saving for your child’s education or your own retirement. Short-term goals should only take a year to accomplish and would include items like paying off a credit card. Determine why each goal is a priority, how you plan to achieve them, and the timeframe in which you would like to accomplish them. Take some time to make a list of your short and long-term goals. To get started, you want to consider the following steps to help you establish your personal budget: Taking control of your finances with a personal budget template will help you make headway on these goals. Getting started with the Smartsheet APIĬreating a personal budget is not only important for your financial well-being and peace-of-mind, but also for your short and long-term goals.ENGAGE Smartsheet ENGAGE brings together our global customers, experts, and partners to share their experiences, ideas, and best practices.Smartsheet events Your hub for Smartsheet events, webinars, Q&As, and user groups.Partners Learn about the Smartsheet partner program and access our partner directory.Community Explore user-generated content and stay updated on our latest product features.Help and Learning A comprehensive knowledge base, including articles, tutorials, videos, and other resources that cover a range of topics related to using Smartsheet.Content Center Articles and guides about project management, collaboration, automation, and other topics to help you make the most of the Smartsheet platform. ![]() ![]() ![]() Your company logo or symbol is particularly significant and valuable.To look more professional and efficient, these features below should be included in your invoices. What should be included in a Google Docs invoice? Send your invoices as soon as you have finished each part of your project. Issue invoices promptly: Invoices should be submitted quickly because time is of the essence when it comes to preparing them.Sell your brand with your invoice: Think about invoices as a convincing selling tactic rather than merely a method to guarantee you are paid.Explain your rates: To explain your fees and delivery options to your customers, create a one-page complete service description and provide an overview of the services and fees.Choose a versatile payment method: Select payment methods or strategies that are more the most customer-friendly.Define the way payments are to be made: Let your clients know that you take payment in many different ways.Tips for creating your basic invoice template in Google Docs If needed, download the template in the format you want.Tweak the invoice and add what you want. ![]()
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Keep in mind that this is an additional monthly payment with your mortgage. ![]() Details about any second mortgage you have on the property. Homeowner's insurance and property tax information. The name of the agency that holds the homeowner's insurance policy. The names of the people listed on the title of the collateral property. Whether or not the property is held in trust. If your current FHA loan is less than three. Monthly payment and mortgage information. A home equity loan has a fixed rate, meaning your monthly payment remains the same. FHA Streamline closing costs should be about 2 to 5 percent of your loan amount (less the home appraisal fee, which is generally about 500 to 1,000). A person might take out a HELOC to have on hand for emergency expenses.Īnother common way people use home equity is to take out a Home Equity Loan. This also means that your monthly payment can rise or fall, too. Often, HELOCs begin at a lower interest rate however the rate is variable so it may rise or fall. A drive-by appraisal, also referred to as an exterior-only appraisal, involves the appraiser. When people think of a home appraisal, they most commonly think of a full appraisal. You are able to take money as you need it and only pay interest on what you take. Types Of Appraisals For Home Equity Loans Full Appraisal. A HELOC is similar to a credit card in that you will have a defined amount of money you can borrow and pay back. In the instances where you want to refinance or apply for a home equity loan, the lender chooses the appraiser typically. Once these improvements are completed, an appraisal must be called out to appraise the property, which will then add equity to the house.Ī way some owners use their equity is by taking out a HELOC (Home Equity Line Of Credit). If you’d paid the loan down to $150,000, you’d have $150,000 in home equity.Īnother way to build equity is to add square footage to the house like finishing a basement or building an addition. For example, let’s say a few years later, your home appraises for $300,000 because the housing market is hot. Let’s look at how refinancing a mortgage works so you know what to expect. There are several reasons you may want to refinance, including getting cash from your home, lowering your payment and shortening your loan term. The equity you have is equal to how much an appraiser believes your home is worth, minus the balance of your loan. Refinancing is one way you can use your home to leverage that investment. If you purchase a $300,000 house and put $15,000 (5%) down as a down payment, then you would have $15,000 in equity.Įquity is based on the appraised value of your home. As you pay down your mortgage, those payments are now considered “equity”. When a mortgage is taken out, the down payment is the first piece of equity that you as the owner have. ![]() ![]() ![]() Her son, the future King Edward VII, and her eldest grandson, Emperor Wilhelm II of Germany, were both at her bedside. ![]()
![]() ![]() Aces are scored at one point, face cards at 10, and others according to their numerical values. The deadwood count is the sum of the point values of the deadwood cards. A player can form any combination of melds within their hand all sets, all runs, or some sets and some runs. Aces are considered low-they can form a set with other aces but only the low end of runs ( A ♠ 2 ♠ 3 ♠ is a legal run but Q ♠ K ♠ A ♠ is not). Deadwood cards are those not in any meld. 8 ♥ 8 ♦ 8 ♠ and runs or sequences of three or more cards in the same suit, such as 3 ♥ 4 ♥ 5 ♥ or more. Gin has two types of meld: Sets of three or four cards sharing the same rank, e.g. ![]() The basic game strategy is to improve one's hand by forming melds and eliminating deadwood. The objective in gin rummy is to be the first to reach an agreed-upon score, usually 100 points. The ranking from high to low is King, Queen, Jack, 10, 9, 8, 7, 6, 5, 4, 3, 2, Ace. Gin rummy is played using a standard deck of 52 cards. Card game historian David Parlett finds Scarne's theory to be "highly implausible", and considers the game of Conquian to be gin rummy's forerunner. Magician and writer John Scarne believed gin rummy to have evolved from 19th-century whiskey poker (a game similar to Commerce, with players forming poker combinations ) and to have been created with the intention of being faster than standard rummy but less spontaneous than knock rummy. The game remained local to New York until 1941, when it was publicized throughout the United States after becoming a Hollywood fad. Gin rummy was created in 1909 by Elwood T. It has enjoyed widespread popularity as both a social and a gambling game, especially during the mid twentieth century, and remains today one of the most widely-played two-player card games. Gin rummy, or simply gin, is a two-player card game variant of rummy. ![]() ![]() ![]() ![]() Watching her bathe, play with her nipples, insert dildos and butt plugs is awesome. 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