#EMI formula

[srghousingfinanceblog]

Decoding your Dream Home: A Simple Guide to Calculating Your Home Loan EMI

Owning a home - it's the cornerstone of Indian dreams, a symbol of stability and success. But navigating the financial intricacies of a home loan can feel like deciphering hieroglyphics. Enter the Home Loan EMI Calculator, your trusty decoder ring in this financial adventure.

What's this magical calculator, you ask? Imagine a genie who grants your wish to know your monthly payment (EMI) before you even sign on the dotted line. That's the Home Loan EMI Calculator! But to truly wield its power, let's crack the code on a few key terms:

EMI (Equated Monthly Installment): The fixed amount you pay towards your loan every month, like a delicious bite-sized piece of your dream home pie.

Interest Rate: The cost of borrowing the money, like the sprinkles on your pie - some like it sweet, some prefer less!

So, how does this EMI magic work? Buckle up, we're going on a formula field trip!

The EMI Formula: P x R x (1 + R)n / ((1 + R)n - 1)

Don't faint! We'll break it down:

P: Loan amount - Your desired palace size.

R: Interest rate - Sweet or not-so-sweet sprinkles.

n: Loan tenure - How many years to savor your pie.

Steps to Master the EMI Spell:

1. Gather your Loan Details: Know your desired loan amount and preferred tenure.

2. Uncover the Interest Rate: Consult lenders or use online resources to compare rates.

3. Channel your Inner Mathematician: Plug your details into the formula, or use the magic of online EMI calculators.

4. Embrace the Amortization Schedule: This table unveils how your payments chip away at the principal and interest over time.

Beyond the EMI Spell:

1. Home Loan Insurance: Shield your loved ones with this protective charm.

2. Tax Benefits: Enjoy tax deductions on your EMIs - like finding extra sprinkles in your pocket!

3. Refinancing Options: If interest rates dip, consider recasting your spell for a sweeter deal.

Remember, SRG Housing, your friendly neighborhood housing finance wizards, are here to guide you through every step. We specialize in empowering the underserved to turn their dream homes into reality. Contact us today and let's unlock your EMI magic together!

We are committed to empowering individuals in rural and semi-urban areas of India to realize their dream of owning a home. Explore your possibilities with SRG Housing.

Visit www.srghousing.com to unlock your dream home's EMI magic!

[albonoooo]

charles leclerc & max verstappen // verse 2 of in perpetual spring by amy gerstler

[emiexplainsf1]

emi explains f1: front wings

Welcome to the first part of my F1 Explained series! I'm kicking if off by going through all the different aspects of the car, but since there's a lot of them, today we're just focusing on the front wing, which is the first part of the car.

If you're new to F1 like I am, then there's probably a lot of things you don't understand on the technical side of things, so let's learn about it together.

It's pretty obvious that an F1 car needs to be as aerodynamic as possible to maximise its speed. When you have less than 0.2 seconds separating first and second place in a grand prix, you don't want your car to be the reason you missed out on first place.

The front wing plays a pretty big role in this, and it was something that both perplexed and entertained me a great deal when I watched my first F1 race. I thought it was crazy but also kind of cool how the mechanics could just *swap the entire front wing out* during a pit stop. But what's the point of it?

It actually does a few things!

Downforce - as the car drives around the circuit, the air hits the front wing first and it helps direct the stream of air. One of the reasons it needs to do this is to generate downforce - this is what it sounds like. It forces the car down and helps it stay on the ground. According to F1Chronicle, F1 cars actually generate enough speed for takeoff on straights!

Steering - following on from the point about downforce, directing airflow also helps make the car more responsive and easier to handle and drive around corners

The front tires - the front wing also regulates the air flow around the front tires. By creating a little vortex in front of the tires, the airflow around the tires (and the rest of the car) is improved and reduces the amount of force the car needs to move forwards

Streamline air flow - the front wing also helps streamline the air flow around the car as a whole, which is super important because it helps minimise drag and allows the car to go as fast as it can.

Sources:

F1Chronicle - in depth look at front wings

F1Chronicle - parts of a formula one car

Further reading:

This page has a great diagram of the parts of the front wing:

[banglakhobor]

Home Loan নিচ্ছেন ? তাহলে এই ফর্মুলাটা জেনে রাখা আপনার জন্য অত্যন্ত জরুরি

কত টাকা হোম লোন মিলবে সেটা না জানলে বাজেট ঠিক করা সম্ভব নয়। এখন কত টাকা হোম লোন মিলবে সেটা জানা যাবে কী করে? Source link

[moderncalculators]

Annual Interest Rate Calculator – EMI Interest Calculator – Compound Interest and Simple Interest Formula

Calculating interest rates can be a daunting task, but thankfully there are online calculators available that can help simplify the process. If you're looking to calculate annual interest rates, EMI interest, or compound interest, then you're in the right place! In this article, we will explore the benefits and uses of three important calculators: the Annual Interest Rate Calculator, the EMI Interest Calculator, and the Compound Interest and Simple Interest Formula.

Firstly, the Annual Interest Rate Calculator

is a useful tool for anyone who wants to know the annual interest rate on their loans, savings accounts, or investments. This calculator works by taking into account the principal amount, the interest rate, and the time period over which the interest is being calculated. With this information, the calculator can provide you with an accurate annual interest rate, which can be used to determine the total amount of interest you will earn or pay over the course of the year. This tool is essential for anyone who wants to make informed financial decisions and to optimize their savings or investment strategies.

Next, the EMI Interest Calculator is another important tool

that can help you calculate the interest on your loans or other types of financing. EMI stands for "Equated Monthly Installment", which is the amount of money that you will be required to pay each month towards your loan or financing. The EMI Interest Calculator takes into account the principal amount, the interest rate, and the time period over which the interest is being calculated, and then provides you with an accurate estimate of the total interest you will have to pay over the course of your loan or financing. This tool is essential for anyone who wants to know the total cost of their loan or financing, and to plan their finances accordingly.

Finally, the Compound Interest and Simple Interest Formula is a tool

that is used to calculate the interest earned or paid on investments or savings accounts. Compound interest is interest that is earned on both the principal amount and the interest that has been previously earned, while simple interest is interest that is earned only on the principal amount. This tool allows you to calculate the amount of interest you will earn or pay over a specified time period, based on the interest rate and the type of interest being used. This tool is essential for anyone who wants to maximize their investment returns or optimize their savings strategies.

In conclusion, the Annual Interest Rate Calculator, the EMI Interest Calculator, and the Compound Interest and Simple Interest Formula

are all essential tools for anyone who wants to make informed financial decisions, plan their finances, and optimize their savings or investment strategies. By using these calculators, you can gain a better understanding of your finances and make the most out of your money.

[twnenglish]

How PL Calculator Helps In Determining Interest Rate, Tenure & Other Factors

A personal loan is a flexible loan that may be used to cover a variety of financial needs, both personal and professional. That being stated, it is crucial for you to be aware of what the Equated Monthly Installments (EMIs) will probably be if you want to apply for a quick personal loan. You may organize your funds better in this way. However, how would you calculate your personal loan EMI in that case? A personal loan EMI calculator might be useful in this situation. To learn more about this tool, keep reading.

How PL Calculator Helps In Determining Interest Rate, Tenure & Other Factors

What is a Personal Loan EMI Calculator?

You may quickly and precisely determine your loan EMI amount with an online Personal loan EMI Calculator. You would need to enter a few loan information such as the loan amount, the interest rate, and the loan tenure in order to calculate your loan EMI using this automated tool.

The loan EMI calculator will then calculate your future loan payments for you automatically in a matter of seconds. What could be superior? This loan calculator breaks down each required payment into its principle and interest components.

You may reduce your EMI by either decreasing the loan amount or lengthening the loan term. Additionally, you could think about raising the loan amount or shortening the loan term if you can afford larger monthly installments. Thus, you may enter the loan information in accordance with your ability to pay in order to determine the desired loan EMI.

Benefits of Personal Loan EMI Calculator

The usage of a loan EMI calculator has several advantages. Let's examine a few of the most significant advantages it offers:

User-friendly: An EMI calculator for personal loans is not only simple to use, but also very user-friendly. This tool makes it simple for anybody, regardless of technical or mathematical background, to rapidly calculate your loan EMI.

Saves Time: One of the main benefits of utilising the personal loan EMI calculator is this. It takes a lot of effort to manually calculate the loan EMI using the appropriate method on paper or in an Excel sheet. However, if you use a specialised EMI calculator, you may complete the full calculation and see the results nearly immediately after entering the necessary information. You therefore save a tonne of time, effort, and frustration with this application.

Provides Accurate Result: Although the procedure for calculating your immediate Personal Loan EMI is relatively simple, performing it on your own runs the risk of making mistakes that might jeopardise your repayment plans. Instead, this automated programme gives you results that are free of mistakes. Additionally, it takes significantly less time than doing it alone.

Helps You Plan Your EMI: The three most crucial elements that go into calculating the EMI you will have to pay are the loan period, the loan amount, and the interest rate of the personal loan. The value of any one of these three variables can alter the loan EMI. By experimenting with the various variables, you may take advantage of this benefit and find a loan EMI that is suitable for you.

How is Personal Loan EMI Calculator different from Personal Loan Eligibility Calculator?

The equated monthly installment (EMI) for a personal loan may be calculated using a personal loan EMI calculator based on the loan amount, loan term, and interest rate.

On the other hand, a personal loan eligibility calculator assists you in determining your eligibility for a quick personal loan by taking into account variables like income, credit score, job status, ability to repay, and current debts. Based on these variables, it gives you an estimate of the loan amount you could qualify for.

Read This Full ARTICLE, Click Here

[ask-cloverfield]

Ultraman Rising uses a massively different formula to convey the franchise’s core themes in a fun method that is incredibly approachable for newcomers of the series while still conveying some stuff via very very subtle nods to the mythos. I need to eat drywall now

I kept finding myself checking the runtime because I didn’t want it to end. The animation is gorgeous, the soundtrack does a very fun thing of only incorporating the opening riff of the original Ultraman to convey that while it is still Ultraman, Ken is doing his own thing. Emi is a delight, and watching the bond between her and her father is just so aggressively sweet.

It completely avoids mentioning a major detail about Ultraman’s backstory, only vaguely implying it, specifically to raise questions (and avoid getting bogged down in details) for newer fans. That is fucking fantastic

I went in excited and it so thoroughly exceeded my expectations.

it’s Ultraman

And the first line. The first fucking line just put such a stupid smile on my face

Here he comes, Our Hero Ultraman!

[neet-aspirant]

30–08–2024, Friday

turns out an unplanned day can be a disaster because this girl doesn't know the meaning of self restraint :/

bio

physics lecture

emi sums + derivations

maths

so for tomorrow, i don't want to waste the day so here's the plan. ik it might be a half hour less here and a half hour more there or so but the general plan needs to be the same. i need to accomplish at least 90% of everything i've written. feel free to be mean to me if i don't

────୨ৎ────────୨ৎ────────୨ৎ────

To Do List For Tomorrow

wake up at 6:30 am

freshen up + arrange bed + meditate

start studying at 7 am

Study Session I

7:00 am — 8:00 am -> emi formula sheet in physics

8:00 am — 9:30 am -> revise human reproduction in bio

Session Ends

Study Session II

10:00 am — 11:30 am -> physics numericals of emi

11:30 am — 12:30 pm -> integration in maths

Session Ends

Study Session III

1:30 pm — 2:30 pm -> integration in maths

Session Ends

Study Session IV

5:00 pm — 6:30 pm -> revise reproductive health in bio

6:30 pm — 8:30 pm -> derivations + formulae of ac in physics

8:30 pm — 10:30 pm -> maths lecture

Session Ends

Study Session V

11:15 pm — 12:00 am -> mcqs of any chapter in bio

Session Ends

[luvvixu]

dazai x reader (she/her)

🏠🧵home sweet home pt. 3

series

genre: fluff, domestic au

synopsis: just another day at dazai's household. but the difference is, your daughter is preparing to go with you in your work because you are finally back on track after giving birth to you and dazai's little princess.

warning: none

word count: 2.4k

a/n: yey, another update about this series hehehehe. ive been very busy preparing for the new school year and i suddenly got inspired writing this by dreaming of having a child of my own :(

song: daisy. by wave to earth

a few months later after emi was born, your life had changed drastically because you had to keep up with baby schedules. but you're not complaining tho, you love this life.

you have a silly yet caring husband and a very adorable little bean beside you. they are the puzzle that completes you and this is the life you have been waiting for after all these years.

as of the moment, you are preparing the necessities like diapers, baby formula, clothes, towels, toys, and other stuff for your cute baby emi. you are happily humming your favorite song when a pair of arms wrapped around your waist.

it was your sleepy husband, dazai osamu.

"good morning, my little insomnia." you greeted him with a smile as dazai just replied with a yawn and nuzzles deeper in your neck, planning to go back to sleep.

"yah! don't fall asleep there!" you gently nudge him. and after a lot of small hits, your husband emits a groan before detaching from you.

"you're up so early. what are you doing?" his husky voice vibrates down your spine. so deep and so hot that it felt like your knees were about to kneel.

"i'm preparing all the things emi need." you simply replied.

"for what?" he asked, and you stared at him weirdly. looks like his soul was still sleeping, with his eyes trying to lift his heavy eyelids down to consecutive numbers of yawns. it looked so funny and adorable at the same time.

"we were bringing emi to our workplace, remember?" you reminded him and something in his eyes tells that he finally remembered.

your husband let out an 'o' in realization. "oh right, right…and you're running an errand with the president?" he pulled you harder on his embrace, showing his upcoming concern.

"yup," your first mission was to accompany fukuzawa on a meeting with the police officials of yokohama to hear the current issues and give possible mend to them.

"will you be alright?" being the worrisome husband he is, he is concerned for you. dazai temporarily releases himself from you.

you turned your gaze to him as he was there, leaning on the kitchen counter while crossing his arms. "darling, i've been on maternity leave for like almost a year now. not to mention, emi is now eight months old and can barely walk. besides, i've been dying to go back to work." you patted his cheek playfully.

"on the contrary, i should be the one asking you that, will you be alright? emi is becoming quite a handful now. she's really cranky over the little things she doesn't like. i think you spoiled her too much." you added.

"hey, it's not my fault that emi is so irresistible." dazai defends himself while he raises his arms in defeat.

a chuckle escapes from your lips as you give him a peck. "i know, and i'm not even blaming you." his lips are a bit dry because he just woke up and probably didn't brush his teeth, yet. "now move, i'm going to cook us some breakfast." you shove him away but dazai cage you in his arms again.

"osamu, let me go! i need to cook." you wriggle but still fail due to his grip is heavenly strong.

"kiss me more." dazai puckered his lips and you granted him with your kisses.

"again." chu…one kiss.

"again." chu…two kisses.

"again—"

"haha, nope. that's enough. i really need to cook." you block his face with your palm as you let out a giggle. you could even feel his lips and tongue teasing your palm.

you immediately moved your hand away as it was becoming ticklish. dazai was pouting at you, a smile broke upon your lips and decided to ruffle his messy bed hair.

"go and wake up emi instead. it's now seven o'clock in the morning and she needs to follow her schedule." you said.

"but kisses…." he mumbles like a child who lost his balloon.

"i'll give you as many as you want later." you rolled your eyes playfully and shooed him to wake up his daughter. dazai let out a little cheer before happily skipping his way towards the nursery.

you just chuckle at your husband's silly action before deciding to officially start the day with cooking breakfast.

meanwhile, dazai enters the nursery quietly with a big smile on his lips. waking his daughter up was his favorite thing everyday. he got to see the adorable yawn and the way emi would cuddle her little head on his shoulder if enough to make his day complete.

dazai approaches the crib silently, and there he sees his little princess still sleeping peacefully. a burst of happiness engulfed his whole chest, emi is so adorable.

and as much as he doesn't want to wake her up because emi looked so peaceful while sleeping, he has to follow her schedule. leaning on the crib, he gently rubs her head and belly to wake her up.

"emi-chan~ wake up, my little princess." dazai called softly. he watches emi slowly stretching up her limbs along with a cute yawn.

his smile widens when emi opens her eyes and looks at him. "good morning, emi! did you have a good sleep?" as a response, emi just looked at him with wide eyes and tilted her head slightly.

"i'll take that as a yes." dazai giggles like a child before picking up his daughter gently into his arms. emi immediately planted her little head on dazai's shoulder, just like every time he would pick her up.

dazai kisses her chubby cheeks. "let's go and meet mama, hmm?" emi just rubbed her eyes at him, dazai smiled once more and grabbed her hands. with that, he started to head downstairs with emi in his arms.

"mama! we are here~" dazai jogged his way towards you with emi giggling in his arms, laughing how she goes up and down while her father is running.

you arch your neck to their direction with a smile as you are busy flipping the eggs. "there's my little princess~" you cooed. dazai knows his job and just stays a bit far away from you so that emi wouldn't get splashed by the hot oil and damage her silky smooth skin.

"i already made her baby formula. it's on the kitchen counter." you pointed the baby bottle in front of him. your husband grabs it before proceeding to the couch to feed her.

"who's hungry? who's hungry?" dazai playfully bounces her as emi's eyes sparkles at the sight of her baby bottle. she also tries to grab it with her adorable arms hanging in the air.

"it's emi!" he let emi suck the bottle with a smile on his face. he loves watching his daughter silently drinking her milk while playing with his hands.

his eyes soften to its extent, only you and emi are able to make him do that. the way his furrowed expression would go loose at the sight of his family is something that could be seen as wholesome.

a sudden weight shifts beside him. looking, he saw you, his wife smiling dearly at them. your heart is pumping happiness against your chest, dazai is a great dad despite his traumatic backstory.

"now i know, i don't have to worry for you and emi." you said.

"what's that even supposed to mean?" dazai lifted up his head with a laugh as he looked at you.

"nothing." you sing-sang, standing up once more to bring his coffee.

"anyway, you should go and get yourself ready for work…or do you want to bathe emi first?!" you yelled at the kitchen.

"of course i'll go with the second option!" dazai replies.

"alright, i gotta prepare her clothes then!"

seconds later, you came back with a coffee and egg toast in your hand. "at least take this coffee first before you need to have some breakfast." you placed his food on the coffee table.

your husband gently passes you your little girl so that he could eat his breakfast. when emi was finally in your arms, you showered her with a lot of kisses and giggles. dazai smiled at you two, his morning was complete just by the sight of his family.

"wah~ emi's getting adorable each day!" you said through your kisses. emi was laughing about the ticklish sensation your lips brings on her cheeks. those totally adorable laughs ascended the both of you through the bliss of life.

"are you excited for your first trip at the agency?" you asked your daughter, only to receive an undistinguished babble as her response.

"me too! i can't wait to show emi around. oh, and papa will take care of you for a meantime at the agency. mama and grandpa yukichi have some errands to do." you continued to sweet baby talk, and emi was just looking at you innocently all the time as you talk.

"where was the place you're going, again?" your husband asked.

"i'm not sure. the president did not provide me with any information. i think the agenda is still in process, but my hunch is it's just somewhere near here in yokohama." as you are talking, emi was trying to put her hand on your mouth like a little mischief she is. she would giggle every time you would playfully bite her hand.

"nevertheless, you don't have to be worried, 'samu. i've got fukuzawa-san beside me." you continued, intentionally giving him some comfort against his worried denouement.

dazai finished his breakfast and now he's excited to finally get ready with his baby. "let's get you ready, my little belladonna!" he raises emi up and pampers her with kisses.

"i already prepared her bath. her clothes are also on our bed." you reminded him before going to the kitchen and cleaning the dirty dishes.

"careful, emi. i don't want any water to go inside your ears." dazai hums softly as he bathes his daughter who is busy playing with bubbles.

"don't try to eat the bubbles, okay? soap doesn't taste as good as milk." he joked. emi just looked at him innocently before she was about to put her handful of bubbles into her mouth.

"ah! ah! what did i say? no eating soap bubbles!"

"what's going on here?" you peak your head at the bathroom door just to see your husband and daughter both looking at you. you are fully dressed and ready to go to work. now, it might be a wonder how come that you are the one to finish first when it was your babies who got in the bathroom first.

simple, motherhood. you learned how to act fast according to the time on your schedule and that makes you even more cautious of time since you have a little child and your husband is not always at home due to his work. sometimes, you reminisce about some things like how fast you were to eat, shower, and do the household chores while emi was sleeping (your baby is a light sleeper, sadly).

"what's with that look?" you giggled at his childish expression, a look that looked like he just got his lollipop stolen.

"emi was eating the bubbles!" dazai pouted like a toddler.

your laugh slows down. "you know her, everything looks like food to her. a-are you sure you don't want my help?"

"our little princess might be stubborn just like her mama and papa, but i'm more stubborn than her." dazai gave you a thumbs up.

"alright, just call me if you change your mind. i'll be taking a shower for now." you skipped your ways towards the other bathroom to get yourself ready for your first job after maternity leave.

within a few minutes, emi was finally done and fully dressed. she was napping peacefully in her mother's cage as they were waiting for dazai to finish preparing himself.

time check, it's now nine o'clock and only half an hour left before they go to work. right now, you are busy scrolling from your phone while emi is drinking your milk. a notification popped in your phone, a message from fukuzawa.

<I apologize for the late notice but I'm afraid we might finish the meeting late. They add another agenda by patrolling on the vicinities with high crime rate here in Yokohama.

<Good morning, y/n.

there's something in his typings that makes you laugh. you try not to voice it out loud in front of him, but he's a boomer in terms of digitized chatting. also, was it greeting a good morning should come first? damn, what an old man.

<oh it's alright, president! i'll just inform my husband about this so they could go home early.

<Oh right… Little Emi is going here today, am I right?

<yes. osamu and i have decided to bring her with us since i'm coming back to work and we're still unable to find a very trustworthy nanny.

<will that be alright? you know, bring our daughter while working.

<Of course. I'm sure the people here wouldn't mind having a little company. By that means, they would be extremely happy to see your baby and this place would be very lively.

<Although, I am quite worried that this may attract some thugs and plan an ambush.

<it's better for her to go there since not only osamu was there, but also the whole ada themselves.

<You got a point.

<anyway, i am going to drop this conversation for now. my husband just finished taking a shower, we might be there in the next 20 minutes.

<Very well. I'll see you later. Be careful on your way here.

<will do. thanks dad!

<🙂👍

it was no surprise that fukuzawa was fond of those old emojis. it was also no surprise that he lets you call him dad. i mean, he was technically your dad after all.

when you were younger, he took care of you after his former colleagues–who were your parents, unfortunately got killed. you were there when he formed the armed detective agency. especially, you were there when the current members got recruited.

"shall we head out now?" a voice calls for your attention. looking up from your phone, you saw your husband smiling at you, wearing his signature beige trench coat that is so hard to wash since it's too heavy when it gets wet.

"took you long enough, emi is now asleep."

"figured."

with that, he helps you situated in the car. he made sure that all of emi's necessities are complete. he made sure that emi was comfortable in her mini bed and was safe and secured. and of course, he made sure that you're also comfortable, safe, and secured.

"buckle up, baby. our little emi's going to have a lot of fun today."

©luvvixu2023

[p8droo]

𝐌𝐀𝐒𝐓𝐄𝐑𝐋𝐈𝐒𝐓 !

— ‘who do you write 4?’ : antoine griezmann , neymar jr , hakimi , oliver grioud , richarlison , jude bellingham , trent alexander , jack grealish , son , foden , prime!messi , prime!cristano , joão felix , vini jr , prime!kaka , prime!luka modric , darwin nuñez , emi martinez and wtvr u req , if i dont accpet i dont know the player </3 . I also write for alot of f1 drivers !! pierre gasly, charles leclerc , carlos sainz , max verstappen , lando norris , danny ric and more!

smut : ✰

old masterlist

football :

judes thighs! ✰

pedri perv ✰

pedri by the pool ✰

kai perv ✰

formula one :

[albonoooo]

logan sargeant & williams: trust

background art: el perro (the dog) by fransisco de goya // putting the dog to sleep - the antlers // formula 1 article // planetf1 article // formula 1 article // grandprixnews article // motorsport article // putting the dog to sleep - the antlers

[academiawho]

130 Day Productivity Challenge!

23 April, 2023 - Day 123

I went through a PYQ paper and marked important questions.

I revised Photosynthesis, Respiration in Higher Plants, Plant Growth and Development and Microbes in Human Welfare for Biology Set-4.

I reread the practical chemistry notes and separation methods of organic chemistry for Chemistry Set-4.

I referred my notes, some exemplar questions and module formulae of SHM, Oscillations, EMI and AC for Physics Set-4.

I'm scoring 660/720 in today's test. I need to improve this. Balance needs to be maintained and I intend to cross the 700 line.

I updated my mistake book.

Hope you had a good day💛

[makoami]

Here's another magical girl analysis post but this time focused on 80s magical girl anime. Some elements I'm looking out for in the "magical girl formula" are: 1. Animal Sidekick, 2. Transformation sequence, 3. main romance subplot, 4 saving the day, 5. Special Attacks, 6. Becomes someone older, 7. Becomes an Idol, 8. Magical powers.

Lalabel 1980

While Lalabel is another magical anime centered around a witch with magic powers there are some things that are different from the magical girl anime of the 60s and 70s. For one, while she can use magic with a wave of a hand, she has a magic wand that she uses as well. I was only able to see 3 episodes but even still I enjoyed this anime a lot. Kind of like Meg-chan she lives with a human family that basically adopt her. She lives with two grandparents and gradually becomes friends with their grandaughter Teko. And of course she has an adorable animal side kick.

Minky Momo 1982

I swear Minky Momo really did start trends for 80s magical girls. Before I go over the magical girl tropes, I need to talk about the theme song. It is so catchy and will get stuck in your head. Like Lalabel, Minky Momo has a magic wand and is trying to fit in with the human world. She is a princess from a magical land called Fenarinarsa and has 3 animal side kicks. With her magic wand she has the ability to transform into an adult woman with any occupation. She also has a transformation sequence. In each episode, she uses her powers to help others/save the day. While I do recommend this anime, the ending is tragic...

Nanako SOS 1983

I was only able to see 3 episodes but regardless it was a pretty unique from the other magical girl anime I've seen. Nanako rather than being a witch or a princess, Nanako is girl who gains superpowers through a science experiment. She is basically "supergirl". She saves the day, can fly, and can grow bigger. What's sad though is that through this experiment she lost her memories. :( Poor Nanako.

Creamy Mami 1983

This was my absolute favorite 80s magical girl anime and I was so sad when I finished the series. All the songs are amazing. The opening, the ending songs, the songs Creamy Mami sings in episodes, the instrumental soundtrack, just beautiful. What makes Creamy Mami unique is that she starts the trend in 80s anime of an average girl that is given the power to transform. It kind of reminds of of Hana no Lun Lun. Two animal sidkicks finds a girl named Yuu and she transforms into a pop idol singer named Creamy Mami. It was Jem and the Holograms before Jem and the Holograms lol. It also starts the trend of having a romance subplot. Yuu has a crush on a boy named Toshio but he has a crush on Creamy Mami, not knowing they're the same person.

Persia the Magic Fairy 1984

Another good magical girl anime with a catchy theme song. It centers around a girl named Persia from Africa. They don't specify where in Africa but reminds me of the areas in Kenya where tourists go on safaris. Anyhow, she moves to Tokyo with an adopted family, two parents and older twin brothers. The same time she goes to Tokyo, she is given magical powers very similar to Minky Momo. She can grow older and have any profession. Her animal sidekicks are a lion named Simba, and three kappas. This is also the same anime with the out of nowhere John Lennon cameo...

Magical Emi 1985

Magical Emi is another really good one. And yes the theme song is good. The animation is amazing. It centers around a girl named Mai who is very clumsy but is given the power to turn into an older girl who is a very good musician and becomes famous. Her sidekick is a talking flying squirrel. There isn't as much of a romantic subplot but she has a crush on a boxer named Shou.

Pastel Yumi 1986

I mentioned Creamy Mami and Minky Momo having a catching theme song but this one takes the cake. Both the ending and opening song are SO GOOD. Yumi is a an average girl who is given magic powers. Instead of transforming into someone older, she is given a wand and whatever she draws can come to life. I was not expecting to love this anime (especially when they did her so dirty at the end of the first episode. :( :( ). However it ended up being my second favorite 80s magical girl anime next to Creamy Mami. Other than that, she follows the trope of being a kind hearted girl who uses her powers to save the day. There's sort of a romantic subplot?? Yumi has a crush on an older guy named Kyouhei and his younger brother Kenta has a crush on Yumi. Kenta and Yumi are the same age though and are a much better fit imo.

Fashion LaLa 1988

Instead of a series, this was movie about a girl who transforms into a fashion model. It's sort of like Creamy Mami, where she can change outfits with magic, there's two animal sidekicks. The soundtrack is really good. Also is it just me or does Lala look kind of like Minako?

I could be just seeing but I swears they have the same hair and eyes.

[thelivingmemegod]

What are your thoughts on Rainbow High series 3?

Number 3, Budget and Normal dolls!

Emi Vanda!

Emi is…a doll. Her budget is really a nothing burger and her full price is. E h?

She feels very all over the place. She’s got like 7 different shades of purple or magenta going on and it’s throwing everything off.

The basic shapes of her first outfit; the baggy sweater, pleated skirt and high boots-are all good ones! But the ribbons around her boots and the colores are fighting with each other.

Her second one is the same formula; good base, good shapes. But here the color, patterns and the ribbons on her shoes are throwing it really hard. The gold heels, but black bottoms and magenta toe caps are so…why-

Note: my lovely Qpp and the asker of the question, @the-lavender-creator actually has a full price Emi with some god awful hair rooting.

Gabriella Icely!

Not a fave but a solid doll!

My only real gripe is that her first outfit shoes and the second outfit jacket….what is that teal. It’s not bad but ehhhhhh I don’t love it.

The rest though? Fabulous! I especially love her skirt chain in the first outfit I’d love that as a real belt. I love the studded heels from outfit two and the choker…she makes it work. Also like the hair clips throughout!

Budget doll is meh but she still looks good

Daphne Minton!

Loving herrrr- singular question is that lil tie on her skirt but that’s mini

Another doll with very swappable clothes between outfits! Love the reflective gold on the first outfit. I like her strappy heels and the gold accents and her shoes matching her stand: Slay-

Outfit two is another I’d LOVE in real life. Give me that settttt. Love her big ass hoops

Her budget is actually cute! It really just looks like the first outfit on a day with a smaller tie and like she took off her jacket. And didn’t curl her hair. She looks good!

Sheryl Meyer!

Literally Cher Horowitz from Clueless a little to the left and I LOVE that for her.

Love the two layer dress, love the three button, double breasted blazer, love her belt, love the high socks and yellow shoes, adore her earrings and BROWN EYES and fantastic hair- I don’t even hate the shirt underneath the jacket-

As for outfit too…I wish they just gave her a sweater vest and a shorter, opaque button down. Shoes are still a slay, skirt is beautiful. Love her headband

Budget Sheryl…sure looks budget- it’s giving 50s house wife and not in a good way. Hair still slays though.

Georgia Bloom!

Adorableeeee she can have my heart and soul I love her from her hair clips, curls and Brown eyes to the sneakers I want right now.

Second outfit is vast majority a second verse same as the first, but RH I will come to your house if you don’t stop making see through shoes.

Other then that I have no notes other then I, for some reason, Think Jewel Richie is her cousin.

Budget….why is her hair a completely different color-

AND ONCE AGAIN STOP MAKING SEE THROUGH SHOES.

Aside from that this almost feels like pajamas- just make the shorts a knit set rather then denim and boom. It would be better as a sleep set-

Daria Roselyn!

I AM GRINDING MY TEETH I WANT HER JACKET SO BAD. I again, don’t mind the shirt under her dress and the dress itself is just fine. I wish the soles of her shoes were opaque but that’s my only problem, they’re adorable otherwise and I’d love to have them.

Outfit two looks BOSSY. Thats a boss bitch right there. She is walking into the office and sending everyone spiraling, this is editor in chief at RUNWAY BABY

I do pray for her feet in those skinny ass heels though.

Budget…I wish the main doll had the budget shoe soles. Dress is still fine. WHERE DID HER LIPLINER GO.

The only reason main Daria’s lip color doesn’t look crazy is cuz it looks like she lined her lips with brown and filled in with pink, budget Daria did n o t-

[ecomadvisor]

Calculating Home Loans: A Complete Guide to Managing Your Loan Repayments

Buying a home is a major milestone in life, and for most people, it requires a home loan to make it affordable. However, before committing to a home loan, it’s essential to understand how the repayment process works. One of the most important aspects of home loans is calculating your monthly installment, also known as EMI (Equated Monthly Installment). This article will guide you through the process of calculating home loans and how you can make the most of your financial planning.

What is Home Loan EMI?

An EMI is the amount you pay every month to repay the principal and interest of the home loan. The EMI amount typically remains constant throughout the tenure of the loan, provided the interest rate does not change.

The EMI is calculated using a formula that factors in the loan amount, interest rate, and loan tenure. Understanding this calculation is crucial to managing your finances and ensuring that you can comfortably meet your repayment obligations.

Why is Calculating Home Loans Important?

When you apply for a home loan, you are committing to a long-term repayment plan. Without knowing the exact amount of EMI you will be paying each month, it can be difficult to plan your finances effectively. Calculating home loans helps you:

Determine Affordability: Know if the loan EMI fits within your monthly budget.

Plan Your Finances: By understanding your EMI, you can manage other financial responsibilities and ensure timely repayment.

Compare Loan Offers: Different lenders may offer different interest rates and tenures. By calculating your EMI in advance, you can compare loan offers and choose the best option.

How to Calculate Home Loan EMI?

Calculating your home loan EMI manually can be complex due to the involvement of interest rates and loan tenures. However, an easier way is to use an online home loan EMI calculator. This tool allows you to input your loan amount, interest rate, and loan tenure to instantly calculate your EMI.

For those who prefer to understand the math behind the calculation, the EMI formula is:EMI=P×r(1+r)n(1+r)n−1EMI = P \times \frac{r(1 + r)^n}{(1 + r)^n - 1}EMI=P×(1+r)n−1r(1+r)n​

Where:

P is the loan amount

r is the monthly interest rate (annual rate divided by 12)

n is the loan tenure in months

While the formula is helpful, it can be difficult to calculate manually, especially for loans with varying interest rates. Therefore, using an online home loan EMI calculator is the best way to get accurate results quickly.

Benefits of Using an Online EMI Calculator

Ease of Use: Online calculators are user-friendly and provide quick results.

Instant Calculation: You can calculate your EMI in real-time, which helps you make quicker decisions.

Comparison: You can easily compare different loan scenarios by adjusting the loan amount, tenure, or interest rate.

Better Financial Planning: Knowing your EMI in advance helps you plan your monthly budget more effectively.

Key Factors Affecting Home Loan EMI

Several factors play a role in determining your home loan EMI:

Loan Amount: The higher the loan amount, the higher the EMI.

Interest Rate: A higher interest rate leads to a higher EMI. Even a small difference in the interest rate can impact your monthly payment significantly.

Tenure: A longer loan tenure generally results in a lower EMI, but the total interest paid over the loan's life will be higher.

Tips to Reduce Your Home Loan EMI

While the EMI amount is mostly fixed based on your loan details, there are a few strategies you can use to reduce it:

Increase Your Down Payment: The larger your down payment, the smaller your loan amount, which results in lower EMIs.

Opt for a Longer Loan Tenure: A longer tenure spreads out the repayment, reducing the monthly EMI. However, this may increase the overall interest paid on the loan.

Choose a Lower Interest Rate: Securing a loan with a lower interest rate reduces the overall EMI amount.

Prepay the Loan: If you have extra funds, prepaying a portion of your loan can reduce the principal amount, thereby reducing the EMI.

Conclusion

Calculating home loans is a crucial step in ensuring that you can comfortably manage your finances while repaying your loan. By understanding how your EMI is calculated and using tools like the home loan EMI calculator, you can make informed decisions about your loan and avoid financial strain.

Planning your home loan repayment ahead of time will give you peace of mind, allowing you to focus on your home ownership journey without unnecessary worries about your finances.