How do download the sims 4 snb mod

Thermostat costs will reflect in the new MISC bills category along with Tiny Living discounts, Frugal Trait reward discounts, and any other mod that adjust billing in some way. Rent is Back! Was removed so that renters weren't being taxed for the property they don't really "own. Custom Child Support System. Custom Alimony System. Welcome Home Packages that allow multiple Service selection with one click.

Bills Cost settings are now saved for all Households in the save when they are being played. Other small changes t o enhance or better the experience. You can have a plain bank lot, retail-bank lot, two-building complex with a restaurant in one and a bank in another, or whatever you can dream of.

Version 0. Unlike Child Support, Alimony isn't automatic. The Receiving Sim must first "apply" for it as soon as a Divorce takes place, meaning it should be done before the Divorce moodlet expires out. You will not see a request from the Divorced Inactive Sim Sim living outside of the Active Household , so if you want your Sim to pay for Alimony you will have to go to the other Household to set that up and create a Direct Deposit for it if desired. Again, this setup makes sure the Paying Sim isn't hoarding money.

The whole point of this option during a Divorce settlement is to make sure the Sim, who's financial situation has drastically changed, is taken care of until they can get a job or make a change that fits their new reality. When this bill becomes due, you have to pay this bill before attempting to pay your Sim's other Household Services. You could potentially have multiple Alimony payments at once as well, but normally you would just have the one ex-Spouse to pay to since payments stop when they re-marry or after 4 weeks of payments.

If you set your Bills to Autopay, Alimony payments will automatically payout like your Sim's other bills. As mentioned previously, your Sim has a narrow window of opportunity to request Alimony.

They will need to go into the Government Benefits Portal and "Apply. Again, these payments stop when a Sim marries another or 4 billing cycles have passed. If you are playing a single-parent household that isn't receiving Child Support, Wel-Fund 4 Families benefit is now available for those that are struggling. Moving your Sim into a new home or updating your Bills and have to re-set what services they need? Well with this update, you can add or activate services with one click in our new services set-up window.

If you want all services, you can get that with one touch also by choosing the Premium Welcome Package. If you want to pick and choose or fully customize what your Sim needs that option is still there with Customize Home Services. With all these additional features, we've added in settings for each option so you can customize your Sim's financial experience. This includes Utility costs to make your Sim's bills higher or lower down to the percentage the Sim receives or pays for Alimony and Child Support.

These settings are now global instead of household-based. So if you were to go to another household within that save, those settings will remain. When we added in the Custom Internet Bill, it locked down the Fast Internet Lot trait so that a Simmer could not simply add this trait without actually paying for it.

Since we haven't developed Bills as a Business option, we've liberated this lot trait for non-residential lots. This keeps to that off-the-grid option where you don't need to use your Sim's cellphone for every SNB service. This mod will also usher in SimRealist Credit options we have planned for later this year. That means right now we are building the ability to USE a bank venue. This update brings in Unsecured Loans. Mortgages became way more complex than what we originally thought and will have their own update.

Unsecured Loans are not bound or secured to any object or real estate. As a result, rates are normally higher than mortgages or other secured loans because the risk is higher to the Financial Institution. This mod sets this loan type with the following term options:. From there, you will enter how much you would like to borrow. Bank Policy requires the following in order to borrow from SNBank:. The mod takes into account the Household's income against how much outstanding SNB debt they have.

DTI would calculate as 0. Still with me? Please note that, DTI is only seeing Career Pay in the traditional sense and doesn't have a way to calculate income derived from ownership of a business yet. This is where the loan will disburse to as well. If anyone in the Household defaults or their loan goes into collection, no potential applicants in that Household will be able to get a loan until the Mark has been removed.

It is removed 2 Sim weeks after the loan in Collection is satisfied. The calculated weekly payment amount displayed before you Accept the Agreement i s the loan amount divided by the term of the loan without consideration of interest accrued. So the actual bill amount will always be more than the quoted payment amount. Loan Paydown, Interest Accrued, and Late Fees are part of 3 separate billing calculations to keep things as realistic as possible.

Meaning, the more you pay down the loan, the lower the amount of interest you will have to pay. So to keep things from getting too complicated, all three bill categories have been separated for your mathematical delight.