11/8/2023 0 Comments Personal finances booksHe wraps up by writing that in less than an hour, you can set up your financial life for automatic payments to yourself and other entities-accounts for emergencies, dream projects, bill paying, and charitable donations. In an infographic called the “Automatic Millionaire Investment Pyramid,” under the section for those in their teens to 30s, Bach recommends that investors allocate up to 60% in growth and stock funds because they have years to ride the ups and downs of the stock market, and only 5% to 15% in bonds.īach also suggests eliminating personal debt as quickly as possible, spells out the mechanics of homeownership, writes about how to deal with investment brokers, and encourages charitable giving-specifically, tithing. That’s especially true, he adds, in the case of company-sponsored 401(k) plans in which the employer offers a match-which, in effect, gives the worker free money. In “The Single Biggest Investment Mistake You Can Make,” Bach writes that it is when employees fail to invest in retirement accounts. In this thorough yet relatively short book, Bach offers tips on how to ensure that you live well and not stress out about money and end up with a secure financial future. In The Automatic Millionaire, he tells the story of a middle-class couple who taught him by example how to acquire wealth by setting up automatic deductions from their salaries that went into savings, retirement, and other accounts-while he, then in his mid-20s, was living paycheck to paycheck, teaching a investment class through an adult education program. It may be less intimidating to know that best-selling author David Bach wasn’t always a millionaire, nor that he had his finances all figured out as a young man. Baid closes by quoting anti-colonial nationalist and political ethicist Mahatma Gandhi, in what he interprets as a discussion on compounding: “Your beliefs become your thoughts. The final two-thirds of the book lay out common stock investing, portfolio management, and decision making. Today, the best investors are the ones with a behavioral edge.” “Fifty years ago,” Baid writes, “the best investors were the ones with an information edge. Only after digesting their reading and thinking about what they’ve read do they engage in the actions of buying and selling stocks or holding them. While they naturally read annual reports, including the footnotes, they also read all sorts of books and articles on a wide variety of topics. Both men estimate that they spend 80% of their days reading and thinking. “Yet, on Wall Street, overconfidence is all-pervasive.”īaid recommends you do as legendary investors Charlie Munger and Warren Buffett, principals of the conglomerate Berkshire Hathaway, do: Read and think a lot. “Absolute certainty never exists in the world of finance,” Baid writes. It attempts to instruct you on how to become a better person because, Baid believes, those higher-level traits and habits are essential to your development as a better investor.īaid writes that an investor with success is well-read and a lifelong learner, disciplined, thoughtful, passionate, humble (it’s a sterling trait to acknowledge ignorance when that’s true, Baid writes), and deliberate in practice. What’s surprising is that this book is more than a comprehensive treatise on investing and compounding. “Compounding is one of the most powerful forces in the world,” Gautam Baid, a fund manager at Stellar Wealth Partners India Fund, writes in his profound, engaging The Joys of Compounding.īaid’s is by far the best overall book on our list-not only for young investors, who have decades to get their investing and compounding right, but for all investors. Before you invest, you learn about compounding by committing to being a lifelong learner.
0 Comments
11/8/2023 0 Comments Electric dirt bike altaWe’re right around 180 Wh/kg, which is about 20-30% higher than the current Tesla Model S. The result is what we believe to be the highest energy-density pack that’s currently in production in a vehicle. We designed all the BMS, safety and packaging. Similar to Tesla, we started with the small form factor cells that grew out of the consumer electronics industry, and then did everything ourselves to integrate them into a larger pack. The cells we use are an 18650 form factor from a top supplier. The energy density is important not only for getting to a competitive weight in a race vehicle, but also to get the center of mass where we wanted it to meet packaging design and handling goals, making it a very nice motorcycle overall. That included the robustness requirements of an off-road motorcycle. The main driver was to really optimize for this application. My personal focus when I joined was to lead the battery pack design and build it up from scratch. We focus on all of the new EV-specific aspects of the vehicle in order to have control over their integration and optimization. We make careful efforts not to reinvent the 70 years of motorcycle chassis and suspension evolution. We really wanted to respect the traditions of motorcycling and not change things like chassis geometry and suspension, so in those areas our designs are intended to match the performance of any other gas-powered products. I joined Alta to lead the battery design, but also had a hand in the powertrain and chassis design. Rob Sweney, Alta Motors’ Director of Advanced Powertrain: Yes, early on we took a strategy of doing as much in-house as we could. To learn more, we chatted with the engineering teams at Alta Motors and Scheugenpflug.Ĭharged: Does Alta Motors design its drivetrains in-house? Scheugenpflug helps many companies around the world set up adhesive bonding dispensing equipment in production lines for battery systems (and many other applications), so they know innovation when they see it. One of Alta’s production equipment suppliers, a company called Scheugenpflug, introduced Charged to the motorcycle builder’s innovative designs. What really caught our eye at Charged was the company’s claim that its battery design had one of the highest energy densities at the pack level of any production vehicle. With a water-cooled 14,000 RPM motor and a 5.8 kWh battery pack, the company describes it as the electric equivalent of a modern 250 that’s as capable on trails as any MX2/Lites class motocrosser. Fast-forward a couple of years, and Alta Motors is manufacturing electric motorcycles at its California facility at a rate of up to 10 bikes per day.Īlta calls its first production model the Redshift MX. Seven years ago, a group of motorcycle and off-road dirt bike enthusiasts starting thinking about the advantages of an electric off-road two-wheeler: constant power output, tunability, great control and responsiveness. With help from Scheugenpflug’s custom production equipment and Wevo-Chemie materials, the motorcycle builder says its thermal design was the key to achieving that. Posted Jby Christian Ruoff & filed under Features, Fleets and Infrastructure Features, Tech Features.Īlta Motors claims that its dirt bikes have a battery pack with energy density that’s among the highest of any production vehicle. Alta Motors says its electric dirt bike has world-class energy density 11/8/2023 0 Comments Great bar sing along songsWritten by Michael Chen, Brent DiCrescenzo, Sophie Harris, Oliver Keens, Andy Kryza, Hank Shteamer, Kate Wertheimer, Zach Long and Matthew Singer. But for our purposes here, we’re mostly ignoring the songs about the dark side of booze, and focusing on those that recognise that making bad decisions is an important part of life. Dolly Parton - I Will Always Love You (Audio) Considered one of Parton’s signature songs, I will always love. Below, we have listed 31 country songs, which will make you a karaoke icon: 1. Sweet Caroline by Neil Diamond An instant crowd pleaser. And, of course, not all of them actually celebrate drunkenness – think ‘Swimming Pools (Drank)’ by Kendrick Lamar. Stay away from elegy-like music and embrace party songs, love croons, and bangers from the twentieth century. Another of the best karaoke songs guaranteed to get the whole bar singing, Whitney Houston is a go-to. They also transcend genre: the best drinking songs can be Irish folk tunes, shout-along punk anthems, chest-rattling hip hop party jams or sombre reflections about the morning after. I Wanna Dance with Somebody by Whitney Houston. But what we know for certain is that once you unleash this love ballad on your acoustic, you’ll hear a lot of voices from the crowd singing along with you Sweet Caroline is easily one of the best acoustic cover songs to play in a bar and it’s a ton of fun to play. But true drinking songs are something else entirely – they speak to the experience of getting buzzed in a way even teetotalers can understand and appreciate. In all honesty, any song can be a drinking song if it plays at the right moment, with the correct level of intoxication. Is there any better shared experience than when the right song hits the jukebox at the peak of the night in a crowded bar, and everyone stops to raise a glass and sing along? Quit Playin’ Games With My Heart Backstreet Boys. Alcohol and music go together like Jack Daniels and Coca-Cola. Here are some great new drinking songs to get you swaying on the dance floor Elle King, Miranda Lambert Drunk. Here are some of the best songs that are sure to get them singing along: Life is A Highway (cover) Rascal Flatts. However, you can record your entire screen and then play around with the customizable settings it offers. It is not a web browser recorder, which means that it can’t record outside of the app. The update to the newest version consists of a new start and stop button for easier recording and broadcasting. Once you finished recording your iPhone screen, you can save it directly to your Camera Roll. You can make changes to the settings page. The developers also fixed this issue with their new Ever圜ord app. Whenever I try to hit the “Record” button, it would freeze and then bounce back to my home screen. It currently requires iOS 12.0 or later and is compatible with the iPhone, iPad, and iPod Touch.ĭuring my time with iRec, the app usually crashes 90% of the time. Besides the name change, it gained support for newer firmware. Ever圜ord still provides the same features. It was rebranded from a former screen recorder app for iOS called iRec. EVERYCORDĮver圜ord may be new to you, but not to all. You can also record audio from your device or microphone, and you can start recording with just one easy tap.įor more basic screen recorders that handle the regular task, check out another app below. It allows you to record in several different resolutions that range up to 1080p.
11/8/2023 0 Comments Ghostrunner physical copySEE ALSO: Honkai: Star Rail review: Turn-based Genshin Impact?Īrticle and photos by rizu wonderland. Ghostrunner 2, the sequel to developer One More Levels acclaimed game of tough-as-nails cyberpunk parkour action and swearing extremely. Honkai: Star Rail is a space fantasy RPG by HoYoverse, available now on PC, mobile and most recently on the PS5. If you’re in the Philippines and want to try it for yourself just go to Mann Hann, 3F Robinsons Galleria, Ortigas Center, Pasig, Philippines. The Honkai: Star Rail Theme Restaurant is open to the public starting October 11, 2023. Set A’s comfort food and cosmic fried rice are actually in-game food for HP recovery. Prawn and brocolli pasta, wild herb soup and color changing lemonade.ĭragon’s eye, pork money bag and breaded shrimp Tenderloin Bites with Cosmic Fried Rice, comfort food and wintermelon milk tea If you ever imagine whats dining in the Astral Express is like, then this is it. Pompom kept us company while waiting for the food. Introducing Ghostrunner 2, the highly anticipated katana slashing, cyberpunk sequelJack is back and taking on new enemies in the never-before-seen world out. This time around, they applied the same approach but for Honkai: Star Rail. HoYoverse likes to do these theme restaurant events and have hosted some for Genshin Impact. The Brutal Edition also comes with a Season Pass which features a new Game Mode, 4 Asset Packs, an animated skin, and a motorcycle skin for the following rates: Includes: Everything in deluxe edition, 48 hours early access starting October 24 Includes: Everything in base edition plus 4 additional hand and sword skins, and a personalized hand hologram displaying user’s current username Includes: Traditional Katana Pack, 2 sword skins, 2 hand skins Ghostrunner 2 comes with a revamped progression system so veterans and newcomers alike can face challenging encounters with an increased focus on approachability and a new “block and perfect” parry system. The clip also gives players a glimpse at the high-powered motorcycle and vehicular combat, plus a host of mind-bending enemies and battles that Jack will face off against later this year. The latest trailer for the game also highlights Jack’s action-packed fight against the violent AI cult that has assembled outside Dharma Tower. Preorders are now available, and those who purchase the title’s Brutal Edition will get to play Ghostrunner 2 48 hours earlier than everyone else, aside from getting additional content. 505 Games and One More Level’s first-person cyberpunk action thriller will be available worldwide from October 26 for PlayStation 5, Xbox Series X|S, and PC via Steam, Epic Games, and GOG. Ghostrunner 2 finally has a release date. 11/8/2023 0 Comments Jackbox party pack 3 vs 4Popular modes are "trivia murder party" (a quiz show with lots of wrinkles to make sure nobody stays unbeatably ahead of the pack) and "guesspionage" (a quiz show where players take guesses on and bet against one another). It seems to perform best on older iPhones and laptops, but at least there's ample reason to stick with the game despite these crucial hiccups. In each game-show inspired mode, reloads were needed for each and every question, along with re-logging back into the game room, hoping the browser would load fast enough. Although this proved more inclusive, the game struggled with some iPhone models. Literally, you can't play any of the modes unless you have the bare minimum number of players on hand.īut this is made easier with one key concession: People can play with you on their laptops and phones via a password-protected browser room. This move makes sense, but it also means if you don't know anyone willing to come hang out, you'll be stuck to coming through internet forums or streamer channels in the hopes of finding other people to play with. The emphasis in each of the different modes is, above all else, to assure everyone is working together and having a good time. You either need to already have a group of people together - no small task in today's day and age - or be a streamer with a large audience online. Perhaps one of the biggest strikes against and ultimately strongest aspects of The Jackbox Party Pack 3 is you cannot play it with random people. – Use both colors in a drawing.This pack of trivia games is entertaining for groups of friends, but it's technical issues keep it from being the best party favor. – Enter a drawing with more than 50 lines – Play a game with User Generated Content – Fool every other player with a title you write. – Guess every drawing correctly in a game – Fool every other player with your title of another player's drawing – Draw something that everyone guesses correctly An "infinity timers" option that removes the timer completely.New things for the audience to mess around with while players are drawing/writing.A "featured content" option, where you can play timely or thematic custom games with prompts made by Jackbox.A "friend mode" which has all of the prompts personalized.Be careful, though, because if you guess incorrectly, you’re giving another player twice the points. You can also now boost your score by doubling down on a guess.The singular drawings are replaced with two-frame animations.Players can draw with 3 different colors.Section not completed It is necessary to complete the information in this section.ĭrawful Miscellaneous Drawful Animate is the third game announced in The Jackbox Party Pack 8. Also similar to Fibbage is the 'thumbs up' system, where after choosing what you think is the original prompt, you can then select your favorite responses.įranchise Games & Innovation Drawful ĭrawful Miscellaneous Drawful is second game in The Jackbox Party Pack. The game draws many similarities with Fibbage, in that players come up with a fake response and then need to find the correct one. There is also no "Final Round," so after all drawings have been seen, the player with the highest score is crowned the winner. If a player-suggested answer is chosen, only the person who wrote it will get points.ĭepending on the number of players, the number of rounds will change. If they guess the correct prompt, both the player that drew the prompt and those that guessed it get points. Afterwards, players then need to guess what the actual drawing is from the answers on screen. All players will then see the other players' drawings in turn and come up with a fake answer for that drawing. The game follows a basic structure of players receiving prompts and having to draw said prompt on their devices. 11/8/2023 0 Comments Julia koch 2017Laurene Powell Jobs Net Worth: $22.1 billion Source: Apple, DisneyĨ. Abigail Johnson Net Worth: $25.2 billion Source: money managementħ. Miriam Adelson Net Worth: $30.4 billion Source: casinosĦ. Jacqueline Mars Net Worth: $31`.8 billion Source: candy, pet foodĥ. Julia Koch & family Net Worth: $51 billion Source: Koch IndustriesĤ. MacKenzie Scott Net Worth: $58.5 billion Source: Amazonģ. Alice Walton Net Worth: $67.9 billion Source: WalmartĢ. Net worths are as of September 3, 2021.ġ. Here are the 10 richest women on the 2021 Forbes 400 list of richest Americans. Racial diversity also decreased this year with Oprah’s departure, IT chief executive Thai Lee is the only person of color among America’s richest women. (The remaining 46 inherited their wealth.) Roofing supply billionaire Diane Hendricks is again the wealthiest of the self-made group, with an estimated $11 billion fortune, an increase of $3 billion due to revenue increase and a healthy year over year performance across the roofing industry. Returning to the list this year after dropping off in 2017, with an estimated $3.2 billion net worth, is Gail Miller, largely thanks to selling most of her family’s majority stake in NBA’s Utah Jazz for some $1.66 billion in October 2020.įewer women this year have self-made (as opposed to inherited) fortunes, with just 10 claiming the distinction-down from 11 in 2020. 2014), in 1967 her two brothers, Bubba Cathy and Dan Cathy, have been Forbes 400 members since 2015. Also new this year: Trudy Cathy White, who joins after Forbes found documentation showing she inherited part of the Chick-Fil-A fried chicken chain started by her father, Truett Cathy (d. Newcomers include Melinda French Gates, now worth at least $6.3 billion after receiving billions worth of public stock as part of her divorce from Microsoft cofounder Bill Gates and Miriam Adelson, who inherited her late husband Sheldon Adelson’s entire stake in casino empire Las Vegas Sands. Doris Fisher, cofounder of retailer Gap, also dropped off this year, as did real estate heirs (and siblings) Amy Goldman Fowler and Diane Kemper of New York. Oprah Winfrey dropped from the list despite her $2.6 billion fortune holding steady, making 2021 the first time in 26 years she hasn’t made The Forbes 400. Although the total number of women list members remains the same, three newcomers and one returnee replaced four women from last year’s ranking. 11/7/2023 0 Comments Loop hero platformsLoot and Upgrade: Strike down menacing creatures, recover stronger loot to equip on the fly and unlock new perks along the way.Įxpand Your Camp: Turn hard-earned resources into campsite upgrades and gain valuable reinforcements with each completed loop along the expedition path. Find balance between the cards to increase your chances of survival while recovering valuable loot and resources for your camp. (The active effects screen shows a stable 10 despite having 10+ Forester's Axe, however, I have yet to test whether this is a text bug and the effects actually do. Plan Your Struggle: Strategically place building, terrain, and enemy cards along each loop to create your own dangerous path. The description for the Forester's Axe is as follows,'Every time the hero receives stable branches, he has a 10 chance of receiving more.' This item does not stack, or so it seems. No expedition is ever the same as the ones before it. Infinite Adventure: Select from unlockable character classes and deck cards before setting out on each expedition along a randomly generated loop path. Unlock new classes, new cards, and devious guardians on your quest to shatter the endless cycle of despair. The game takes place in a randomly generated world where the player changes the world by placing cards instead of directly controlling a character. Recover and equip powerful loot for each class of hero for their battles and expand the survivors' camp to reinforce each adventure through the loop. When I saw that Loop Hero was coming to the Nintendo Switch, I wondered how good of a transition it would make. Loop Hero is a 2021 endless RPG developed by Russian studio Four Quarters and published by Devolver Digital. Wield an expanding deck of mystical cards to place enemies, buildings, and terrain along each unique expedition loop for the brave hero. Loop Hero is one of the best games to come out of 2021 make the winning. Having the freedom to play an engrossingly addicting game either at home or on the go is an absolute joy, and that goes doubly so for those who wax nostalgic on their days of dutifully grinding away to dulcet 8-bit tones. The Lich has thrown the world into a timeless loop and plunged its inhabitants into never ending chaos. Loop Hero is a triumph on the Switch, full stop. 11/7/2023 0 Comments Kids microsoft excelUsing a digital family calendar simplifies your scheduling and lets you focus on the game. Next to Reminder select when you’d like to be reminded of that specific event. If you’d prefer to set reminders each time you update your schedule, you can manually set reminders by navigating to the ribbon of the event window. Under Calendar options, check the box next to Default reminders and set the default amount of time you’d like to receive reminders. If you’d like to set default reminders for existing and future calendar events in Outlook, select File > Options > Calendar. For example, if you have to drive twenty minutes to drop off your kid at track practice, set an Outlook reminder for thirty minutes before the practice starts so you’ll have plenty of time to get there. Customize your reminders to make them work more efficiently for you by setting when you’d like to receive a notification. Outlook reminders pop up on your computer or phone to let you know when an event starts. Set up custom remindersĮven with a thorough, detailed sports calendar for your kids, it can be challenging to remember every event during the week. It also makes it easier for you to organize your own schedule, as you can easily toggle between each calendar individually based on what schedule you want to view. By creating a new calendar for each of your children, you’ll be able to share the calendar with them and help them schedule their own practices and games. Multiple calendars make organizing your week easier if you have older children or teenagers with their own devices. When creating new events, click the Categories icon in the ribbon of the event window and select a color category.
11/7/2023 0 Comments Dom plus loan reviewsYour application for a parent PLUS loan will be denied if you have an adverse credit history. It has since pared some of those losses, but remains on track to finish lower. While federal loans for undergraduate students don’t require credit checks, PLUS loans do. Review Rewards Programs Terms for details and restrictions. The S&P 500 SPX traded as low as 4,311.97, down 1.1%, according to FactSet. Purchases subject to credit approval, and the PayPal Cashback Mastercard must be used for payment. plan to impose more sanctions on Russian oil sales, for rattling stocks as crude-oil prices jumped. LendingUSA has a rate range of up to 29.99 APR, no interest on principal if repaid within six months and a loan amount range of 1,000 to 47,500. Market strategists blamed geopolitical tensions tied to Israel’s escalating conflict with Hamas, as well as a U.S. You may however, upgrade to a Dom Plus account by providing 2 verifiable. With so many choices in todays world it becomes a challenge. Loan Rate Calculators Mortgage, Car Loan or Any Loan Downloads Manuals. 13 as stocks sold off following the release of a closely-watched inflation report, before the market staged a notable intraday rebound. Bright Loan Plus has been a leader in financial options, focusing in assisting Americans nationwide for years. Based on the information from Federal Student Aid, as of 2022, the average Parent PLUS Loan debt is 29,528. Source: Federal Student Aid Portfolio by Loan Type and Student Loan Planner calculations. The index reached its current 52-week high of 33.87 on Oct. The average Parent PLUS Loan debt is based on Q4 of each year or the most recent data published (as 2022 currently only has Q3). The Vix has remained relatively subdued since stocks started sinking in early 2022, only seeing a few brief spikes above its long-term average. The move put the index briefly above its long-term average of 19.6. The index touched an intraday high of 20.78, just shy of the Oct. The Cboe Volatility Index VIX, better known as the Vix or Wall Street’s “fear gauge,” surged 20% on Friday to touch its highest level in more than a week, leaving it just shy of levels not seen since late May, according to FactSet data. Knowledge of performance management processes plus roles and. HHere are the in-school student loan rates offered during the month. Scheduled regular coaching reviews with Operations managers to assess current trends and. Wall Street’s “fear gauge” surges as Middle East escalation rattles stocks 4.5/5 Minimum Credit Score 620 Loan Amounts 5,000 - 50,000 APR Range 7.99 - 35.99 Term Length 24 - 60 months Bottom Line Achieve uses unique strategies to lower the cost of your loan even. Student loan rates have trended higher during the past year, with variable rates climbing by a higher margin than fixed rates. |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |