Dave ramsey home calculator8/31/2023 ![]() ![]() Since Ramsey views car payments as non-mortgage debt, those payments should be allocated into the savings category (with the goal of paying off the loan(s) using a debt snowball). However, this figure is low because it does not include car payments. Transportation: When it comes to fuel, maintenance and public transportation, national figures show that the average household spends $151 per month. However, if you’re living paycheck to paycheck, Ramsey advises cutting back in this category for the time being. Lifestyle and entertainment: The average American household spends $2,912 per year on entertainment, or about $243 a month. Ramsey doesn’t assign internet or phone bills to any budgeting category utilities would be the most logical classification for these costs and would increase the average to roughly $400 per month. Utilities: Ramsey suggests using the national average of $218 per month on natural gas, electricity and water to help determine your allocation here. Ramsey also suggests considering identity theft protection, long-term disability insurance, umbrella/liability insurance (if you have a net worth of at least $500,000), and long-term care insurance (if you’re over 60). Insurance: For Ramsey, the four essential types of insurance you want to budget for are health, home, auto and term life. If you have any leftover funds in the miscellaneous category, you can put them toward your financial goals. Miscellaneous: This category should be around 5% of your take-home pay and can be used for non-emergency expenses during the month, such as a gift for a family or friend. ![]() If you choose not to tithe at this rate, you can reallocate the 10% elsewhere in your budget. Giving: Ramsey recommends tithing 10% of your take-home pay to your church, charities or worthy causes, even if you’re in debt. Babysitting expenses for one-off occasions like date nights should be budgeted within the entertainment category instead. He suggests $267 – $315 for singles, $640 for couples, and $928 to $1,109 for a family of four (noting that these numbers can vary based on dietary restrictions and lifestyle choices).Ĭhildcare: According to Ramsey, Childcare expenses - which can range from $10,700 to $15,900 per year per child - should be budgeted in an additional and dedicated category to cover the costs of parents being able to work. Bureau of Labor Statistics to help determine your desired budgeting percentages for groceries. Note that if you’re in debt-payoff mode, Ramsey says you should save as much as you can - even if that figure exceeds 15%.įood: Ramsey suggests using the following national averages from the U.S. Once you’ve saved a three-month emergency fund, you can start saving for retirement and other bigger purchases. But depending on where you’re at in Ramsey’s baby steps framework, your savings might be going towards building your emergency fund or your debt snowball (paying off non-mortgage debt). Saving: The end goal is to save 15% of your gross income for retirement. For homeowners, Ramsey suggests a 15-year fixed mortgage with 10% to 20% down. This figure is the same whether you’re renting or paying on a mortgage. Housing: Ramsey uses a strict percentage limit here, stating that your total housing payment shouldn’t exceed 25% of your take-home pay. While he has more information on his site about determining your own ideal budgeting percentages, here’s a breakdown of how to approach each category. Of course, your circumstances may vary from this example, which is why you shouldn’t follow Ramsey’s recommendations blindly. Here are Ramsey’s ideal percentages across his 12 budget categories, using the example of a family of four with take-home pay of $6,000 per month who needs part-time childcare, has employer-paid health insurance, and has paid off their non-mortgage debt:ĭave Ramsey’s Budget Categories Explained In other words, there’s no one size fits all budget.īut that doesn’t mean you can’t learn from his general guidelines. Additionally, his recommended budgeting percentages differ based on factors such as the size of your household, whether you need childcare, where you are in the baby steps process and other variables. Ramsey uses a combination of income percentages and set figures drawn from national income averages to determine his recommendations. Dave Ramsey’s Household Budget Percentages: Summary & Final Thoughtsĭave Ramsey’s Recommended Household Budget Percentages.Dave Ramsey’s Recommended Budgeting System.How to Analyze Your Monthly Budget (and Create One That Works).Dave Ramsey’s Household Budget Percentages Analyzed.Dave Ramsey’s Budget Categories Explained. ![]()
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Change my kindle account8/31/2023 ![]() ![]() Make sure that you are connected to wi-fi. If you don't see it in your library, click on the "Sync" button to force your Kindle to check for library updates. If you have sent your Kindle book to the wrong device, you can still read it by going to your Kindle Library on the Kindle you prefer and tapping on the cover. Click "Deliver" when you've made the selection.ģ. After you have checked the book out and have been redirected to Amazon to "Get Library Book," look under the yellow button and choose a different device. If you don't want to change your default device, you can just choose a different device when you collect your OverDrive book. Choose a different Kindle when you check out your book. At the top right-hand side of the screen, click on your name to open a drop-down. ![]() Click on "Set as default device." When the confirmation window pops up, click "Save." Now, when you send items to your Kindle from OverDrive, they will automatically go to your new device.Ģ. Online Open Amazon in your computers browser. Click the 'Menu' button while on the home screen on your Kindle. When you redeem an Gift Card or gift voucher to your account, the funds are stored in Your Account and will. Follow these steps to cancel your Kindle Unlimited membership. of what expression crossed my face when he thus spoke, but it was one which. You can update the shipping address, payment method, and more, on orders that havent entered the shipping process. It will open a page with three grey text boxes on the right side. I certainly had enjoyed the advantage of a little change lately, but not. Under one of them, with blue lettering will be the words "Default device." If you want to make the new Kindle the default device, click on the image of that new Kindle. You will see a section for your "Amazon devices" and another for "Amazon apps installed on devices." Click on the image for "Amazon devices." It will give you images of all devices you have connected. Mouse over the "Accounts & Lists" menu and choose "Content & Devices." Once you're in "Content & Devices", you'll see four tabs across the top of the screen: "Content", "Devices", "Settings", and "Privacy Settings." Click on "Devices." Change your default Kindle to your new device. There are a few things you can do to fix this problem.ġ. ![]() Lost transunion freeze pin8/31/2023 ![]() ![]() How long does it take to lift a security freeze?Ĭredit bureaus must lift a freeze no later than three business days after receiving your request. How long does it take for a security freeze to be in effect?Ĭredit bureaus must place the freeze no later than three business days after receiving your written request. ![]() Most businesses will not open credit accounts without first checking a consumer's credit history. A security freeze means that your credit file cannot be seen by potential creditors, insurance companies, or employers doing background checks – unless you give your consent. It should not stop you from using your existing credit cards or other accounts. A fraud alert can also slow down your ability to get new credit. A fraud alert can help protect you against identity theft. It tells the credit issuer that there may be fraud involved in the account. What is the difference between a fraud alert and a freeze?Ī fraud alert is a special message on the report that a credit issuer receives when checking a consumer's credit rating. The credit bureaus must lift your freeze within three days. You will also get instructions on how to lift the freeze by using your PIN. After you contact the credit bureaus asking for the freeze, each credit bureau will send you a Personal Identification Number (PIN). Or you can lift it for a specific creditor. If you want to open a new credit account or get a new loan, you can lift the freeze on your credit file. ![]() Can I open new credit accounts if my files are frozen? And if you are someone’s guardian, conservator or have a valid power of attorney, you can get a free freeze for that person, too. You also can get a free freeze for your children who are under 16. Starting September 21, 2018, you can freeze and unfreeze your credit file for free. Note: If these links do not work, search "security freeze" on the credit bureau web sites. Here are the freeze web pages for the credit bureaus. See the sample letters at the end of this sheet for addresses and what information to include. To place a freeze, you must contact each of the three credit bureaus. If your credit files are frozen, even someone who has your name and Social Security number would probably not be able to get credit in your name. A security freeze can help prevent identity theft. A security freeze means that your file cannot be shared with potential creditors. If you live in California, you have the right to put a "security freeze" on your credit file. ![]() Evil west release8/31/2023 ![]() We will have to wait and see if Evil West gets a better rating, but it does look like a lot of fun. Shadow Warrior 3 was released in March this year but did not really set the world on fire, with a Metacritic rating in the 70s for the PC version and the 60s for the PlayStation versions. “To ensure that the game reaches its full potential, we have made the decision to delay the worldwide launch of Evil West to November 22, 2022.”Įvil West comes from Flying Wild Hog, the team better known for the Shadow Warrior reboots and you can see some of that attitude seep through to Evil West, with bombastic melee combat, flame throwers, shotgun combos and more. Giving our game more polish is crucial to provide our players with not only good but also lasting memories. Evil West releases on five platforms, including multiple generations of consoles. Check out our hands-on preview from PAX East here. Hard West, and others.Among all the upcoming games, Evil West has received a fair amount of attention and has announced a release date for later in 2022 on September 20th. While every level will feature a mini-boss, they won’t always include a final stage boss.Įvil West, the game will be released on November 22, 2022, for PS4, PS5, Xbox One, Xbox Series X|S, and PC (Steam).Leaning on the industry standard of rendering a statement in a JPG and dropping it on Twitter, the team at Flying Wild Hog explain, “We are working our very best to achieve our vision of Evil West and to meet your expectations. The Weird West genre has been getting more attention recently with games like Weird West.The game was released on 22 November 2022 for Windows, PlayStation 4, PlayStation 5, Xbox One and Xbox Series X/S. The game was released on 22 November 2022. There will be creatures other than vampires in the game, but they did not want to spoil them. Evil West is a third-person shooter video game developed by Flying Wild Hog and published by Focus Entertainment. Evil West is a third-person shooter video game developed by Flying Wild Hog and published by Focus Entertainment.There are female characters in the game – it wasn’t mentioned if this meant NPCs and/or playable characters.Asked about the Keyboard and Mouse experience, and while the developers rather play with a gamepad, they mentioned it is there and works well.Evil West includes a skill tree that unlocks perks and abilities as the game progresses.Evil West will support Nvidia’s DLSS (Deep Learning Super Sampling) and AMD’s FSR (FidelityFX Super Resolution). ![]()
Notarized translation in columbia sc8/31/2023 ![]() ![]() Question: Is your certification guaranteed to be accepted for Immigration purposes in Columbia, South Carolina?Īnswer: Yes all of our Certified Translations in Columbia, South Carolina are 100% Guaranteed. It will contain the Alliance Business Solutions LLC Certification and it is guaranteed to be accepted for all Immigration related purposes in Columbia, South Carolina. ![]() ![]() Question: How will my documents be delivered to me?Īnswer: For all certified translations in Columbia, South Carolina you will receive a high quality. We do not need to receive the original documents. Question: How can I send the original documents?Īnswer: Documents can be sent via E-mail ( uploaded to our site (Upload Now) or faxed to our office at 1.615.472.7924. We can also provide Notarized Certified translations for all other legal purposes at $49 per page.įor Immigration translation in Columbia were: Alliance Business Solutions LLC Guarantees Acceptance of all Certified Translations in Columbia, South Carolina for USCIS and Immigration Purposes.įor all USCIS translation purposes in Columbia, South Carolina you will need to order a Certified Translation to ensure that it is accepted. Immigration Translations In Columbia, South Carolinaĭo you need a Certified Translation of your Immigration in Columbia, South Carolina for Immigration Purposes?Īlliance Business Solutions LLC Translation Services provides certified immigration translations according to USCIS Requirements in Columbia, South Carolina. ![]() Australian lockdown protest8/31/2023 ![]() ![]() ![]() ![]() NSW police deputy commissioner Gary Worboys said police wanted to work with the organisers to make sure people were complying with public health orders and that it did not turn into a “disastrous” mass spreading event. but at the present time we’ve got cases going through the roof and we have people thinking that’s OK to get out there and possibly be close to each other at a demonstration.” “We live in a democracy and normally I am certainly one who supports people’s rights to protest. Hazzard condemned the planned protests as “really silly” on Saturday morning. “The priority for NSW police is always the safety of the wider community.” “The NSW police force recognises and supports the rights of individuals and groups to exercise their rights of free speech and peaceful assembly, however, today’s protest is in breach of the current Covid-19 public health orders,” it said. The NSW police said officers from across central metropolitan region, assisted by specialist resources, were deployed in response to the unauthorised Sydney protest. Lots of shouting and tonne of honking car horns. “We really need our community, particularly in south-western and western Sydney, to stay at home, to hear the message and stay at home,” Hazzard said.Ĭrowd size at this anti-lockdown protest is no joke. Similar scenes unfolded in Melbourne and Adelaide, which are both in lockdown, and Brisbane, which is not.Īs demonstrators were gathering in Sydney, the New South Wales health minister, Brad Hazzard, revealed a record number of new coronavirus cases had been detected – 163 in the previous 24 hours – and pleaded with people to stay at home. “If we don’t see a spike in the areas these protesters came from in the next week I’ll be very, very surprised,” Elliott said.ĭemonstrators broke through barriers in the Sydney CBD and threw plastic bottles at police. After protesters were dispersed, the New South Wales police minister, David Elliott, announced the formation of a strike force to identify each of the 3,500 protesters at the “super spreader” event.Įlliott said 57 people were arrested and several police officers had been assaulted. ![]() Rider waite tarot deck meanings pdf8/31/2023 ![]() ![]() Journal your way to Tarot success with printable Tarot journaling sheets. If you want to download the Jpg file, just click on the above image and you’ll get the big high-resolution file. High Priestess: Intuition, subtle change, divine law. Knowing the universe is looking after you. If you’re looking for free resources for card meanings online, here are some of my favorites: Learn Learn to read Tarot with these free Tarot resources and tutorials from Biddy Tarot. Whether you are learning the Tarot card meanings for the first time or you are already a seasoned Tarot expert, using Tarot cheatsheets and Tarot keyword charts can turbo-charge your liyahaboveall L Reversed High Priestess Card Meanings: hidden agendas (take care!) Reversed Empress Card Meaning: dependence. Choose your favorite printable Tarot deck and print one copy for your personal use. Decide on what kind of signature to create. Black & white images of the 78 Rider-Waite Tarot cards. Here’s a quick breakdown of the Major Arcana with a few associations: 0/The Fool: … ELEMENTAL DIGNITIES. All 78 Cards including page for printing card back design. If videos are more your thing, you can binge on our series of 5-minute “tarot card meanings” videos on YouTube. Truths The Tarot cards of today originate from mid-15th century Italy, from a game called Tarocchini, but they weren't used for divination until the late 1700s.Spreads are constructs for shaping the narrative of the reading. The Tarot card meanings on this site feature Rider-Waite-Smith Tarot cards, and are indexed according to the segments of the deck.Free printable tarot card meanings. The numbered cards of the Minor Arcana are also very interesting in that they represent a progression of states in the human condition. The pip cards more often represent shorter term influences, although they can still have very significant impact. The Court Cards are often used to represent people in the life of the subject, or the person for whom the reading is being done. ![]() The Fool’s Journey tells of the learning experiences and lessons along the way, illustrated by the cards of the Major Arcana, and finally reaching The World, or Worldliness. The Fool card represents a young, inexperienced, open minded person starting down the road of life. There is a well known story in Tarot, called The Fool’s Journey. Although they answer questions and influence other cards in individual readings, the Major Arcana are also about life lessons. The lessons, issues and influences presented by the Major Arcana cards tend to be of a more significant and persistent nature. The Minor Arcana is separated further into the group of face cards, known as the Court Cards, and the remaining numbered, or pip cards. For the purpose of divination, the deck is segmented into two parts, the Major Arcana and the Minor Arcana. Ten popular Tarot spreads are described on our Free Tarot Readings page. A card may have a somewhat different meaning depending on what spread is being used, what type of question is being asked, and the card's position in the spread. A spread is an arrangement of the cards designed for a particular type of question. Tarot readings encompass a number of different spreads. The Major Arcana cards also each have an elemental connection. The Swords relate to Air, and the Pentacles relate to Earth. Each suit represents the influence of one of the elemental forces. When the cards are dealt, leave the reversed cards in position and use the reversed card meanings to interpret them.Īs with Astrology, Tarot is associated with the elemental forces of Fire, Water, Air and Earth. The Tarot deck may be shuffled with some of the cards upright and others reversed. ![]() This characteristic is used in readings to glean additional information from the cards. If turned over, the image on the card is upside down. Unlike some types of playing cards, Tarot cards typically are not reversible. It is important for the reader to pay attention to the possibilities presented by the cards. When reading Tarot cards, one should look carefully at the entire picture, both the foreground and the background. The cards feature descriptive imagery designed to project the possibilities of a situation or influence. Tarot cards represent lessons, situations, events, interactions and influences that affect people. ![]() Brave browser search engine8/31/2023 ![]() ![]() And this independence does not come at the expense of quality: Over the past several months, the Search team has drastically improved Brave Search’s ability to answer nuanced, long-tail queries.įor the time being, Brave Search won’t serve image or video results from its own index, as we work to improve quality. As always, our results will preserve user privacy. What this means for Brave Search and usersīy default, Brave Search users will now receive 100% of results from the Brave Index, giving users fully independent results. Thankfully (and unlike other search alternatives), Brave had both an independent index, and a built-in delivery mechanism (the Brave browser) to continue improving the Brave Search index. The consequences of their reliance on Bing will play out in the following months when their long term contracts expire. This created undue pressure for search engines that rely partly or fully on the Bing Search API. We feared for the continuity of the Bing service, which turned out to be a prescient concern, as Microsoft recently announced an unprecedented increase in its API pricing. Together, these achievements allowed us to accelerate this milestone of 100% independence.īut there was also another consideration: uncertainty over the future of the Bing API, which grew after the Microsoft and OpenAI partnership. The rapid adoption of Brave Search (it’s now averaging about 22 million queries per day) made it the fastest growing search engine since Bing.īroad adoption of the Web Discovery Project (which allows users to anonymously contribute browsing data to grow the Brave Search index) meant results had the nuance and completeness needed to compete on both privacy and quality. We were able to achieve these improvements in a few ways: Total independence, however, was a primary goal of Brave, and in less than a year the Brave Search global independence score rose from 87% to 93%. When Brave Search launched in June 2021, about 13% of the queries required the help of third parties to achieve the desired level of quality across various types of queries. That meant far less reliance on the existing Big Tech options (Bing and Google) than the supposed alternatives-like DuckDuckGo-that are actually powered by these Big Tech APIs. Since its launch, privacy-preserving Brave Search has been the only global, independent alternative to serve results almost exclusively from its own index. We’ve removed all search API calls to Bing, which previously represented about 7% of query results. Summary: how can you support Brave Searchīrave Search also announces it will launch its own search API to power other search applications in the near future SummaryĮvery Web search result seen in Brave Search is now served by our own index.What this means for Brave Search and users.Shields blocks most trackers, advertisements, and unnecessary cookies. ![]() Along with the Brave Browser, users can go online with Brave Search without being tracked thanks to a feature the company calls ‘Sheilds'. Brave Search, like DuckDuckGo, is working up to be an alternative to major search services like Google and Bing and is perfect for people who are concerned about data privacy (which should be all of us).īrave claims that the Brave Search does not collect IP addresses and does not use personal data to improve search results so the user remains anonymous. According to reports, Brave announced its own search engine earlier in March this year following the acquisition of Cliqz which is an anti-tracking browser with a built-in search engine. Now, it has rolled out the public beta version of the search engine through an official browser app and a new website. Brave, a privacy-focused web browser, has been testing its own search engine for a while now with a small bunch of invited users. ![]() Bonds of unity definition8/31/2023 ![]() It's a day when people can express their affection for their friends, regardless of any boundaries or differences. The Global Phenomenon: Why Do People Love International Day of Friendship?Īt its core, the International Day of Friendship is a global celebration. This mutual respect and understanding help foster a sense of global community, breaking down walls and building bridges in their place. ![]() It opens up avenues for people from different corners of the world to share and appreciate each other's traditions, values, and customs. This day also serves as a platform for cultural exchange. In these turbulent times, the celebration sends a powerful message about the importance of mutual understanding and respect in establishing a peaceful world. It is a global call for peace, unity, and camaraderie. The International Day of Friendship represents more than just a tribute to friends. Unveiling Its Significance: Why Is International Day of Friendship Important? It believed that such a day could play a significant role in reducing conflict, and further promote peace and reconciliation. In the wake of various global challenges that demand solidarity and cooperation, the United Nations recognized the need for an event to foster global friendships. The day, celebrated on July 30 every year, is a unique initiative that encourages understanding, respect, and unity among diverse cultures. The United Nations officially proclaimed the International Day of Friendship in 2011 with the intent of inspiring peace and building bridges between communities. And, last but not least, which flowers are involved that symbolize friendship? The Origin of International Day of Friendship Read on to find out why this day holds significance, why people love it, and how you can be a part of this global celebration. Learn about how to honor this Day of Friendship, and how this special day promotes unity, understanding, and compassion. This celebration doesn't merely represent a jovial tradition instead, it is a potent symbol of unity and harmony in our increasingly interconnected world.Įvery year July 30th marks the day to discover the power of friendship and how it can bring people together in a world that needs it the most. ![]() In many cases, bonds are issued at par.In the era of globalization, where distances are diminishing, and the world is turning into a global village, the significance of the International Day of Friendship (IDF) has increased manifold.
Yamaha montage editor lybrarian8/31/2023 ![]() ![]() The SOFTWARE and related documentation are provided "AS IS" and without warranty of any kind. You expressly acknowledge and agree that use of the SOFTWARE is at your sole risk. This permission to re-download shall not limit in any manner the disclaimer of warranty set forth in Section 5 below. If you believe that the downloading process was faulty, you may contact Yamaha, and Yamaha shall permit you to re-download the SOFTWARE, provided that you first destroy any copies or partial copies of the SOFTWARE that you obtained through your previous download attempt. Upon such termination, you must immediately destroy the licensed SOFTWARE, any accompanying written documents and all copies thereof. If any copyright law or provisions of this Agreement is violated, the Agreement shall terminate automatically and immediately without notice from Yamaha. The encryption of data received by means of the SOFTWARE may not be removed nor may the electronic watermark be modified without permission of the copyright owner.Data received by means of the SOFTWARE may not be duplicated, transferred, or distributed, or played back or performed for listeners in public without permission of the copyright owner.Data received by means of the SOFTWARE may not be used for any commercial purposes without permission of the copyright owner.You may not initiate services based on the use of the SOFTWARE without permission by Yamaha Corporation.Ĭopyrighted data, including but not limited to MIDI data for songs, obtained by means of the SOFTWARE, are subject to the following restrictions which you must observe. ![]() You may not use the SOFTWARE to distribute illegal data or data that violates public policy.You may not electronically transmit the SOFTWARE from one computer to another or share the SOFTWARE in a network with other computers.You may not reproduce, modify, change, rent, lease, or distribute the SOFTWARE in whole or in part, or create derivative works of the SOFTWARE.You may not engage in reverse engineering, disassembly, decompilation or otherwise deriving a source code form of the SOFTWARE by any method whatsoever.While ownership of the storage media in which the SOFTWARE is stored rests with you, the SOFTWARE itself is owned by Yamaha and/or Yamaha’s licensor(s), and is protected by relevant copyright laws and all applicable treaty provisions. Yamaha hereby grants you the right to use the programs and data files composing the software accompanying this Agreement, and any programs and files for upgrading such software that may be distributed to you in the future with terms and conditions attached (collectively, “SOFTWARE”), only on a computer, musical instrument or equipment item that you yourself own or manage. IF YOU HAVE DOWNLOADED OR INSTALLED THE SOFTWARE AND DO NOT AGREE TO THE TERMS, PROMPTLY DELETE THE SOFTWARE. IF YOU DO NOT AGREE WITH THE TERMS, DO NOT DOWNLOAD, INSTALL, COPY, OR OTHERWISE USE THIS SOFTWARE. THIS AGREEMENT IS BETWEEN YOU (AS AN INDIVIDUAL OR LEGAL ENTITY) AND YAMAHA CORPORATION ("YAMAHA").īY DOWNLOADING OR INSTALLING THIS SOFTWARE OR OTHERWISE RENDERING IT AVAILABLE FOR YOUR USE, YOU ARE AGREEING TO BE BOUND BY THE TERMS OF THIS LICENSE. YOU ARE ONLY PERMITTED TO USE THIS SOFTWARE PURSUANT TO THE TERMS AND CONDITIONS OF THIS AGREEMENT. PLEASE READ THIS SOFTWARE LICENSE AGREEMENT ("AGREEMENT") CAREFULLY BEFORE USING THIS SOFTWARE. ![]() AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |