![]() Clicking the "+" sign next to a year reveals a month-by-month breakdown of your costs.Ĭlick "calculate" to get your monthly payment amount and an amortization schedule. To see this, click on "Payment chart" and mouse over any year.Ĭlicking on "Amortization schedule" reveals a display table of the total principal and interest paid in each year of the mortgage and your remaining principal balance at the end of each calendar year. For instance, in the first year of a 30-year, $250,000 mortgage with a fixed 5% interest rate, $12,416.24 of your payments goes toward interest, and only $3,688.41 goes towards your principal. Most of your mortgage loan payment will go toward interest in the early years of the loan, with a growing amount going toward the loan principal as the years go by - until finally almost all of your payment goes toward principal at the end. Your initial display will show you the monthly mortgage payment, total interest paid, breakout of principal and interest, and your mortgage payoff date. With HSH.com's mortgage payment calculator, you enter the features of your mortgage: amount of the principal loan balance, the interest rate, the home loan term, and the month and year the loan begins. How to use the loan amortization calculator The loan calculator also lets you see how much you can save by prepaying some of the principal. Also, I strongly suggest that you take the time to learn more about PMT, IPMT, and PPMT functions since they are often used in finance.A mortgage amortization calculator shows how much of your monthly mortgage payment will go toward principal and interest over the life of your loan. If you find any info from this article confusing, write a comment, and I’ll help you out as soon as possible. In one of my next articles, I will also teach you how to create a loan amortization schedule in Excel. Simply change the term of the loan and the down payment, and you should be good to go. The formulas from this Excel tutorial can be adjusted to also work for a personal loan with equal installments.
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![]() ![]() If you've set up Voice Match, you can set up customized Routines for individual users. Some pre-set Google Home Routines - multi-action, multi-device setups that require only one voice command - can be found within the Home app, and two of those are, "Hey Google, good morning" and, "Hey Google, it's bedtime". Easy.Ĭreate a Google Routine for mornings and evenings You can also just say, "Hey Google, help me relax," or, if you already have a playlist, podcast, or audiobook going, you can say, "Hey Google, stop in fifteen minutes," and, "Hey Google, turn loop on" to loop the track till finish.Īnd there's always, "Hey Google, tell me a story," or, "Hey Google, sing me a lullaby" for maximum chill. Try, "Hey Google, play ambient sounds/noise," or, "Hey Google, play Mogwai for 20 minutes." Use the Google sleep timer and play bedtime soundsĪnother simple one - you can ask Google Assistant to play ambient sounds or music and you can also set a sleep timer so it stops playing after a certain amount of time. The music will be taken from the default streaming service you've set up on your Google Home account, and, if you're not connected to Wi-Fi, the regular alarm tone will sound. As with the beeping alarm, it will only play on the speaker you've set it on. It works with songs, playlists, and radio stations. So, you can instruct your device, "Hey Google, play a music/media/radio alarm at 8.30am tomorrow" and the Assistant will ask you what you want it to play - or, alternatively, "Hey Google, set an alarm for 6am that plays ". If you want to wake up to a specific song or radio station, it's simply a case of adding one more word to the command. How to set a music or radio alarm with Google Assistant Just say, “Hey Google, set a Teenage Mutant Ninja Turtle alarm for 8pm.” These alarms will have music, jokes, facts, words of encouragement, and other messages from characters in the shows.įor example, you can have one of the characters from Rise of the Teenage Mutant Ninja Turtles help remind the kids it’s time to finish playing and get in the bath. Google has also added interactive alarms for kids, giving users the ability to set up an alarm using messages from characters from Lego and Nickelodeon, instead of Assistant. The alarm sounds for ten minutes if you don't do anything - to stop it say, "Hey Google, stop" or tap the top of the Google Home / Nest Audio, the side of the Mini, or the line on the top/right side of the Home Max. If you're groggy in the morning, you can ask, "Hey Google, what time is it?" and you can also say "Hey Google, snooze alarm" which pauses it for 10 minutes or, "Hey Google, snooze alarm for seven minutes" to specify the time. To set up regular alarms, say, "Hey Google, set an alarm for 8.30am every day" or similar, and the Assistant will repeat back to you the recurring alarm.Īgain, to check what you have coming up, say, "Hey Google, what alarms are set?" Set up a regular alarm through Google Assistant That means you can say something along the lines of, "Hey Google, cancel my alarm for 7.30" or "Hey Google, cancel all my alarms" if you change your mind. If you have a Google Home device with a display, you can also get a visual of what alarms are set by saying, "Hey Google, show me my alarms." For example, you can say something like, "Hey Google, set an alarm for 9am named 'take your pills'. Say, "Hey Google, set an alarm for 7.15 tomorrow morning" for a one-time alarm, and the Assistant will confirm the time with you. Set a one-time alarm through Google Assistant You can either set alarms ad-hoc, or you can set up recurring alarms for the likes of work or school days. This is super straightforward, but there are a couple of ways you can use the alarm function. Whatever Google Assistant speaker you choose from, below we'll guide you in using your Google Home and Assistant to set new alarms. ![]() However, you can also choose to use a regular Google Home smart speaker, such as the Nest Home Mini. Google Assistant smart speakers with displays, like the Nest Hub, of course, also feature dedicated clock displays with a range of digital faces to choose from. You can also use it to build new morning and nighttime routines by pairing your alarm with playlists or smart lights - or perhaps with your coffee machine for those early starts. Google Assistant speakers easily double up as amazing smart alarm clocks, which is ideal for those who want to consolidate the number of gadgets on their bedside table.īy setting up your Google device as a smart alarm clock, you give it the power to wake you up with news, music, or radio. ![]() ![]() The brand initiative will expand to all other packaging next year. It’s definitely a new look! So what does all of this mean for the rest of your brands? Will you be introducing any new products and/or other redesigned packaging in 2016? Now the consumer has a key image and all of the information they’re looking for in a craft beer, and that adds up to a better understanding of what the brand really stands for. It’s a nod to the lily obviously but it’s stronger now, it draws the eye in. From that, we made additional changes we added the ABV, IBU, and the flavor descriptors: Floral, Hoppy, Crisp, to our packaging. We tested every little bit of what we had for imagery the Harpoon man, “Henry” (people hated it or misunderstood it, so we dropped him), the harlequin pattern (it tested positive so we made it bigger), and the tiger lily flowers (again people hated it, so we removed them). That was a nice outcome because we’re not like Arrogant Bastard… we know we make great beer and it’s confident without being pretentious. What we ended up with was a package that is cleaner and more confident. Once they had a buy-in from the entire company, they helped us create a better way to talk to our customers, tell the story, and that starts with our IPA. ![]() They sat us all down and asked us what we thought the brand stood for. They’re pretty savvy brand guys so this put everything into motion. 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