Step by step list of what to do with money.Ĭommon questions that OP needs to answer in order to get proper advice about whether investing is appropriate for them.Ĭommon questions that OP needs to answer to get proper advice about recommending credit cards to themĪn example, using $15,000 of income and made up tax brackets, about how tax brackets work. Wiki index with many more subjects Related subreddits Step by step guide of what to prioritize / what to do with money Do not post "I'm not sure if this is true." or "Someone will correct me if I'm wrong." If you're not actually answering the question, then make sure your comment looks like a question. If you have heard or read something which might be related to the question, and you want to check it, then make sure you ask it as a question. If you do believe a source fully answers a question then consider including a quote from the source.īe inquisitive, and clear if you are unsure. Do not just post links to other sites as an answer. Use a mix of context, explanation, and sources in your answer. Answers that link only to your personal blog or website are considered low-quality and may be removed at the moderators' discretion. Posting guidelinesĪ good answer will be supported by relevant and reliable sources. Asking about Canada specific crypto taxation, rules, and other crypto topics would still be allowed, as the discussion resulting from it would be primarily Canada personal finance focused. Unapproved AMAs may be removed without notice at the moderator's discretion.Ħ) We expect that posts about crypto posted in this community PRIMARILY fit in with this community, compared to some other crypto-focused-community. We will evaluate if your topic is suitable for the subreddit and will set a date to avoid conflicts. If you'd like to host an "I Am A/Ask Me Anything" (IamA/AMA) thread, you must first contact the moderators for approval. Pushing a particular investment on a user may be removed. Broad funds/ETF's, or discussion of investment concepts would still generally be allowed. Cryptocurrency, the entire asset class, will be treated like a "specific investment". This also extends to PM'ing users because of comments they made on this subreddit.Ĥ) All specific investment recommendations will be removed. We expect that users do not use this forum to build a brand, for financial gain, or to attempt to gain traffic or users. This includes solicitation of referrals, posting your own blog, video channel or personal website, and recommendations for users to do business with you. Comments suggesting that sharing financial information in a personal finance subreddit is a "humblebrag" will be removed. Refrain from "judging" the financial situation of others - whether their situation is dire or well-off. You can feel free to be "harsh", but never insulting. This covers a very wide variety of topics, including banking, employment, budgeting, minimizing recurring or popular expenses, advice for large purchases, and more.īe patient with others. Personal Finance Canada Discord: AMAs Person / CompanyĪuto Budget Credit Debt Employment Housing Investing Retirement Taxes Meta Banking Misc Estate Insurance Rulesġ) Posts must be about personal finance in Canada The topic of "personal finance" includes budgeting, goal planning, taxation, saving, investing, banking, credit cards, insurance products, life event planning, major purchase advice, unique deals and tips for frugality, employment and other income sources, global or national economic news and discussions, and a variety of similar topics. This subreddit is a place to discuss anything related to Canadian personal finance.
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8/27/2023 0 Comments Katie compton gifcyclocross scene needs to see that and have a rider like her to cheer for. She is young and continuing to improve and get faster, and I think the U.S. She has made great progress over the last few seasons and really stepped up with maturity and strength to be one of the top cyclocross racers in the world. Yee / Cyclocross MagazineĬXM: On that note, what do you think of Clara’s successes in Europe? 2019 Cyclocross National Championships, Lakewood, WA. Katie Compton: I think that announcement just came after another rough race, we had talked about racing less in Belgium pre-Covid and doing more domestic racing until I retire after Fayetteville worlds next year, but the racing has been more than a struggle this season, so we decided to let people know sooner rather than later what I would be doing in the future.Ĭompton at the Lakewood Nationals, her first in 16 years not to finish first. I reached out to her for details on the decision to wind down her career after next season.Ĭyclocross Magazine: Mark’s original post suggests the decision came after a rough race. She’s also piloted countless brands of bikes to victory, hopping on Redline, Primus Mootry, Stevens, Giant and of course, countless models from Trek, including ones she helped develop. She’s won the World Cup overall, taken home silver and bronze at Worlds, has a closet full of stars and stripes and claimed nearly every major domestic cyclocross race over the years. © Cyclocross MagazineĬompton has pretty much won everything there is to win in cyclocross over her long, illustrious career, except the rainbow jersey. Katie Compton racing to her fourth elite cyclocross national championship, Kansas City, 2007. 8/27/2023 0 Comments City of paden oklahoma time zoneExplore Oklahoma Citys sunrise and sunset, moonrise and moonset. In memory of Paul Ray Davis, please visit our floral store. Get Oklahoma Citys weather and area codes, time zone and DST. Services are under the direction of Swearingen Funeral Home in Seminole, Oklahoma. Graveside memorial services will be held on Wednesday, Apat 1:00 p.m. Okfuskee County is in the Central time zone (GMT -6). Paul was preceded in death by his parents and his brother, Norman Davis. The Town of Paden had a population of 417 as of July 1, 2022. Paden is a town in Okfuskee County, Oklahoma, United States. Paul is survived by daughters, Lisa Davis of California and Taloah Bain of Oregon son, Rex Emerson and wife, Erin brother, Clem Davis and wife, Jane of McAlester, OK sisters, Joyce Hardison and husband, Bob of Prague, OK, Doris Vance of Paden, Oklahoma and Patricia Davis of Oklahoma City four grandchildren, James Zachary Bottoms, James Calvin Bottoms, September Dawn Bottoms and Katherien Grace Sanford and many other family and friends. Geography Geography Latitude: 35.515069 Longitude: -96.550724 Land Area: 96.594000 Time Zone: Central (GMT -06:00) Region: South Division: West South. He also loved raising and training horses and trail riding. Paul enjoyed traveling, riding motorcycles, working on cars and restoring them, playing guitar and songwriting. with PRCA World Champion, Erich Rogers, while Erich ropes with Paden Bray. He served in the United States Army as a Sargent E5 First Calvary in the Vietnam War. NEW (2023) Allen and his family head to Oklahoma for their annual whitetail. In that time, weve learned that these trade pros only want to. Paul was born on February 17, 1946, in Prague, Oklahoma to George J. Our showroom has been working with Oklahoma City area trade pros and their clients for years. Paul Ray Davis, Shawnee resident, passed away on Saturday, Apin Shawnee, at the age of 76. 8/27/2023 0 Comments Plant tycoon serial
8/27/2023 0 Comments Metal rivetHold the drill straight over the rivet and drill it to push it out entirely, being careful not to widen the surrounding hole.Ag, doped Ag, AgNi, AgSnO2, and AgZnO are our standard materials for rivets produced in a range of shapes. Switch out your drill bit for one the same size as the rivet. The bi-metal rivet is composed of a copper rod and a precious alloy head of varying thicknesses.Bore a hole with a drill bit considerably smaller than the rivet all the way through the center of the fastener, creating a pilot hole.Use the hammer and punch to pierce a tiny divot into the top of the rivet to act as a groove to keep the drill in place.This rivet is a fastener that is a solid cylinder with a head that resembles a flat screw. This is important if you are rebuilding a classic automobile, or creating something that does not need any strong welds. You may need to approach the head from several sides to do away with it entirely. A solid rivet is a good way to attach two pieces of metal together without the use of welding. Hover with the tool so that you touch nothing other than the rivet head itself.Approach the rivet’s head while keeping the wheel of your grinder parallel to the surrounding surface.Technique 2: Go with a GrinderĪ steady hand, patience, and concentration will certainly help the process, too! Then simply adjust your drill depth accordingly and drill out the rivet neatly. If you already have one but lack the right sized bit and guide to fit the rivets for a job, you can likely find them at your local hardware store.Īttach the tool to the opening on your power drill and place the appropriate bit onto the end, fastening it securely. The tool comes in a set with various guides and drill bits in different sizes ( view example on Amazon). The greater the diameter of the blind rivet, the stronger the join.Įxample: If you are going to join two metal plates with a grip of 13 mm and want to use a 4.8 mm diameter blank rivet, the rivet must be 18 mm long.Though they run about $50 to $75, a rivet removal tool that fits onto your power drill might be a smart investment if you’ve got to get rid of many rivets. Step 2: Use the table below to determine the length of the blind rivet. The grip range corresponds to the total thickness of the materials being joined together. Link to the Rapid range of standard blind rivets Choosing the right size of blind rivet Standard blind rivets are versatile and provide reliable results for everyday projects. Link to the Rapid range of XL blind rivets Standard blind rivets They are good for joining soft materials such as leather, rubber and plastic with hard materials. XL blind rivets have an extra-large head that provides a larger surface area for fastening and extra resistance. Steel rivets are used when joining steel to steel, where tensile or shear strength dictate a stronger rivet, like for example Metal cabinets or steel house. Link to the Rapid range of coloured blind rivets XL blind rivets They can be matched to the colour of the vehicle to conceal them. Link to the Rapid range of High-Performance blind rivetsĬoloured blind rivets are specially adapted for attaching number plates and other accessories to vehicles. They are good for attaching signs, joining sheet materials and for various repairs. High performance blind rivets have a wide range of applications with a sustainable result. They are well suited for fixing and repairing guttering or assembling shower panels, for example. Waterproof blind rivets are made in one piece to prevent leakage between the composite materials. They usually last longer than the materials being joined together and are good outdoors, for example, to attach number plates or silencers to vehicles, or repairing rusty metal surfaces. Stainless blind rivets are made of ISO 304 grade stainless steel. So you need to find out what kind and what size of blind rivet you need. The blind rivet you choose depends on the environment in which it will be used, as well as the materials you will be working with. They are used to fix together hard materials such as sheet metal and metal objects when you have access to only one side of the material – for example, when you fit mudguards on your car or gutters on your house. Blind rivets and blind riveting pliers are also called pop rivets and pop riveters. Variable expenses are a bit harder to plan for, because they often change – like fuel, groceries and utilities. Rent is a great example of a fixed expense. Fixed expenses are easier to manage, because they don’t change from month to month. There are two types of expenses: fixed and variable. Whether you change your spending habits is completely up to you.Īdd up your paystubs, tips and yes, even financial support received from your family to determine how much income you bring in each month. It’s an empowering tool that lets you to see at a glance where your money is going, no matter how much or how little you have. A budget is simply a plan for spending your money. “I don’t have many bills so I don’t need one.”īudgets may not thrill you, but having more money will.Set up a budget, also known as a spending plan. You could even try other budgeting methods until you find one that fits your lifestyle and goals.Looking for the secret to financial success? The answer is the same whether you have $50 in your pocket or $5 million. If your budget spreadsheet isn’t working for you, you can change it. Keep in mind that there are budgeting apps that can link to your financial accounts to do that work for you. But you may need to update it regularly as your circumstances change.ĭid you get a pay raise, tax refund or cash birthday gift? Did you have an unexpected car repair or doctor visit? Did you splurge on a weekend getaway? You’ll likely want to input those numbers into your spreadsheet. Your budget spreadsheet may be in good shape. That snapshot could help you make decisions about things like saving or paying off debt. When you’ve plugged in your numbers, you’ll generally get a snapshot of your financial picture. Here’s where the financial information you’ve already gathered will come in handy. Once you’ve decided on a template and built your spreadsheet, it’s time to plug in your income and expenses. Seeing your average expenses each month could help you plan for the future or spot when you’re going over your budget each month. Then underneath those categories, you could create subcategories to list your types of income and expenses in detail.īy using the program’s subtraction function to deduct expenses from income, you’re able to get a quick look that compares how much money you have coming in to how much you have going out. Ready to set up your budget spreadsheet? You can generally make it as simple or detailed as you want.Īt a minimum, you might want to create one category for your total income and another for your total expenses. Still others might maintain an annual budget. How often do you want to manage your budget spreadsheet? That may largely depend on your financial situation.įor some people, a daily or weekly budget may work best. Utilities like power, phone and internet.Food including groceries and restaurant meals.Variable expenses may change from month to month and can include: Memberships such as gym and streaming TV services.Loan payments, including those for student and personal loans.Transportation such as bus and rideshare services.Rent, mortgage and homeowner association fees.A bill calendar could help keep track of those.Įxpenses on your spreadsheet can be broken down even further into fixed expenses and variable expenses.įixed expenses remain generally consistent each month but can have small fluctuations depending on usage. Those can include your monthly expenses, plus your bills that aren’t due on a monthly schedule, like annual personal property tax. They can also be broken into subcategories. Interest, dividends or capital gains on investments.Profits from selling goods or providing services.These would be based on different types of income, such as: It may help to break your net income into subcategories. That’s the total money you’ve earned minus expenses like taxes and interest payments. To get started, first determine your net income. Income is typically one of the major categories found in budget spreadsheets. Or research budgeting apps that do most of the work for you. You could also reference helpful worksheets from places like the Consumer Financial Protection Bureau (CFPB). If building your own budget spreadsheet sounds intimidating, each program offers prebuilt templates to help you get started. Depending on your preference-and your computer-you might find an option that works from Google, Microsoft or Apple. The best budget spreadsheet for you is probably the one you’re most comfortable using. Next, you can start creating a budget worksheet by following these 7 steps: 1. That way, you’ll have most of what you need at your fingertips. Before you start, it may help to gather financial information like pay stubs, bills, receipts, bank statements and credit card statements. 8/27/2023 0 Comments Nuclear fission and fusionThe investment by Nio also underscored the loss-making EV maker's ambitions in the power and energy sector. Technological advances in recent years have brought it closer to being achieved in reality, sparking an investment spree among companies and governments globally, including the United States, Japan and China, which want to dominate the next generation of energy technology. Unlike today's fission reactors, it can generate power without producing long-lasting radioactive waste. Nio Capital and Anhui's State-owned Assets Supervision and Administration Commission did not immediately rely to requests for comment.įusion is seen to one day be able to help the world slash emissions linked to climate change. "Staying true to the original aspiration of Blue Sky Coming, Nio aims to facilitate the R&D and commercialization of nuclear fusion technology by making financial investment into this project," which plans to attract more strategic and financial investors in phases, Nio said in a statement to Reuters on Friday. Nio invested 995 million yuan for a 19.9% stake while Nio Capital, the investment firm founded by Nio's chief executive William Li, invested 505 million yuan for a 10.1% share, it showed. With registration capital of 5 billion yuan ($723.37 million), Neo Fusion is 50% controlled by China's eastern province of Anhui government-owned energy companies and investment arms, according to the financial details in the company registration filing seen by Reuters. The newly established company, Neo Fusion, will research and develop technologies that aim to bring controlled fusion for commercial uses globally in two decades, the source said. SHANGHAI, May 19 (Reuters) - Chinese electric vehicle maker Nio (9866.HK) has invested in a startup firm that is developing fusion technologies, according to a source with direct knowledge and a company filing, placing more bets in other areas of the energy sector. 8/27/2023 0 Comments Actimeter tremor indexTrying to gain a better understanding of the biology, and possibly better treatment approaches, should not come in place of humanistic skills and a committed and healing relationship based on mutual trust and respect. What does a patient want-to have a normal EMG or to be able to walk? To have increased activity measured objectively or to be able to resume his/her social and professional life? To have his own subjective feelings being recognized as real, or to have to constantly find "objective" evidence that serves to prove it? To be given help and support to lead a normal life as possible, or to have normalization of some lab value? Many physicians have mostly become prescription writing technocrats. This very important/essential part of medicine was gradually left in the hands of complementary healers, therapists and probably in recent years also patient support groups. Probably there are situations in which it does matter and situations in which it matters less.īut, modern medicine has probably been focusing too much on measurable so-called objective parameters and too little on how patients experience their illness and what makes them feel better (or worse) physically and emotionally. The question that remains unanswered is what would be the long term outcome of patients with mild-moderate asthma who receive treatment that only makes them feel better, without affecting objective measurable parameters. Treatment with ventolin (or any other medication) has its risks and maybe this risk is unjustified if we can achieve the same results with saline. The conclusion of the authors was that patient subjective scores are unreliable and only objective measurements should be used in clinical trials.īut, there was an editorial that questioned this approach and asked if what we can measure is more important than what the patient feels.Īfter all patients don't come to the physician because they have an abnormal peak flow measurement but because they have breathing difficulties that interfere with their life. Interestingly all forms of treatment had a similar effect on the dyspnea score (as compared to no treatment), but only ventolin led to significant improvement in the peak flow measures. They measured peak flow but also asked patients to document their dyspnea score-which was how they perceived their shortness of breath. They compared treatment with a ventolin inhaler, to treatment with various types of placebos, and to no treatment at all. There was a trial published in the NEJM regarding asthma patients, with mild-moderate disease. "Rheumatoid arthritis (RA) patients who used an individualized, Internet-based exercise program may be more likely to get daily physical activity than their counterparts who only receive general information on exercise via the Internet, but their self reports of increased activity did not correspond with activity recorded by electronic monitoring devices, according to a study in the December 15 issue of Arthritis Care & Research." Apparently it's not just CFS patients who have this finding of reported increased activity not matching actometer results.Ĭan the Web Help Doctors Get RA Patients Moving? Maybe I happened to come across the following article when searching about Actilog V3.0. Identifying physical activity patterns in chronic fatigue syndrome using actigraphic assessment. The paper above also references the following paper as describing the Actometer in more detail. I tried Googling both and got more results for actimeter but both seem to be used. Heh, my other question was how to spell it. The paper above will include references to the three earlier pro-CBT studies which measures were taken from. It's written in a very pro-CBT way, and there's no acknowledgement that the lack of improvement in activity levels could indicate that CBT is not an effective treatment - they act as if we can be certain that subjective questionnaire scores are a true and accurate measure of fatigue levels, and that objectively measured levels of activity can only be used to observe the manner in which CBT effectively reduces fatigue. 'How does cognitive behaviour therapy reduce fatigue in patients with chronic fatigue syndrome? The role of physical activity.' Psychol Med. This paper releases actometer readings from three prior studies which had been presented as showing CBT to be effective, and it was only 9 years (I think) after the first study was released that we got the actometer readings showing no improvement in activity levels.īleijenberg G, Prins JB, Wiborg JF, Knoop H, Stulemeijer M. It can also be used double-time at 164 BPM. Jack gives instructions for how to sign the letter L l and then shows the signs for words that begin with the L l letter sound. See It Say It Sign It is a moody song by Jack Hartmann with a tempo of 82 BPM. See It, Say It, Sign It as you learn sign language for each letter and the letter sounds for each letter of the alphabet with American sign language in. The track runs 6 minutes and 3 seconds long with a D key and a major mode. Jack Hartmann has taken each sign from the original See it, Say it, Sign it and made a video for each letter with special instructions for how to make the specific sign for each letter. See It Say It Sign It is a moody song by Jack Hartmann with a tempo of 82 BPM. Discovered using Shazam, the music discovery app. See It, Say It, Sign It Letter Sounds ASL Alphabet Jack Hartmann. Listen to See It Say It Sign It by Jack Hartmann, 1,605 Shazams. com/LearnMore The Letter G Song (See below for lyrics) The Letter G Song exemplifies the style of western. Find similar music that youll enjoy, only at Last.fm. Description: Jack Hartmann Kids Music Channel. Jack Hartmann has taken each sign from the original See it, Say it, Sign it and made a video for ea. Listen to See It, Say It, Sign It Letter Sounds ASL Alphabet Jack Hartmann, Tooty Ta Fun Dance Song for Kids Brain Breaks Tooty Ta Jack Hartmann and more from Jack Hartmann Kids Music Channel. Jack gives instructions for how to sign the letter K k and then shows the signs for words that begin with the K k letter sound.Learn the American Sign Language sign for the letter L. Learn the American Sign Language sign for the letter M. Teaches it for sign with alphabet hartmann the each letter sounds say each for the letter letter lan- language it american of and See by sign jack it sign. Jack Hartmann has taken each sign from the original See it, Say it, Sign it and made a video for each letter with special instructions for how to make the specific sign for each letter. Jack shows the sign language for each letter to our Australian friends. Learn the American Sign Language sign for the letter K. Join Jack Hartmann for this Auslan version of See It, Say It, Sign It. 8/27/2023 0 Comments Chat on my story snapchatConversations with the AI model will take place in a similar interface to a regular chat with a human. Users will be able to personalize the AI bot by giving it a custom name. That’s all for this week, stay tuned for upcoming posts about Snapchat to learn more about it and how you can use it.Further Reading AI-powered Bing Chat spills its secrets via prompt injection attack Purple replay icon: Your Snap that was sent with sound has been replayed.Red replay icon: Your Snap that was sent without sound has been replayed.Two blue opposite arrows: A screenshot has been taken of your Chat.Two purple opposite arrows: A screenshot has been taken of your Snap with audio.Two red opposite arrows: A screenshot has been taken of your Snap without audio.Gray emptied square: A Snap or Chat is pending and may have expired.Blue emptied square: Chat has been viewed.Purple emptied square: Snap sent with sound has been viewed.Red emptied square: Snap sent without sound has been viewed.Purple Square: You have received a snap(s)that contain audio.Red square: You have received a snap(s) that don’t contain audio.Green emptied arrow: Receiver viewed and received Cash.Blue emptied arrow: Receiver opened a Chat.Purple emptied arrow: Receiver opened a Snap with audio.Red emptied arrow: Receiver opened a Snap without audio.Snapchat Icons | What does each one mean: To end the video chat, drag away from the locked position and take off your finger from the screen. If you want to take your finger off the screen while continuing to video chat, drag your finger up or down to the lock icon and to switch between cameras while locked, tap twice anywhere on the screen. To start a video chat with your online friend, you both have to press and hold at the same time on the blue icon! Drag your finger up or down to switch views from selfie camera to other camera. When you and your friend are both online on chat, the yellow icon will turn blue, press and hold to send live video and audio to your friend. To send a text chat, type your message and send it or tap on the yellow icon to send a photo or a video.Īll snaps features are available You can add a caption, a drawing or apply filters, you can also send a photo from your gallery by tapping on the square on the right bottom corner and choose the photo from your gallery, when you finish tap on the arrow on the right bottom on the corner to complete sending it. You can either send a text message, a photo or even a 10 second video. The two opposite arrows behind any name means that the user took a screenshot of that snap.Įnter the chat by swiping your screen to the right, choose the receiver through the icon on the right top of the screen, tap once on the friend’s name you want to chat with. Tap on the three dots behind your story to find out, once you tap on the dots your snaps will appear, behind each of them you'll find an eye icon with a number of viewers, tap once to view who viewed each of your snaps. All stories: All of your friends’ snaps that were taken within the last 24 hours.įind out who viewed your snaps and or took a screenshot:.Recent updates: Most updated snaps from your friends.Note: You’ll have to turn on GPS to be able to add snaps to live stories and to add a capture a snap to a live story add it to “ our story “instead of “ my story”! Tap on a Live Story to view Snaps from around the world! LIVE: A feature Snapchat grants to specific places or campuses to contribute Snaps to the same Story.To view them, tap on the story you would like to see, swipe left or up to find more. Discover: Snaps from different editorial brands.Your story: Snaps you have taken and added to (My story).Open the app and swipe the main screen to the left, here you'll find several types of stories as follows: In our previous article ( Snap chat from zero to hero | part 1) we stopped at how you can share a snap and how you can view your friends‘ snaps. We will now continue with how you can view stories shared by your friends: In this article we will address: Snapchat stories, how to find out who viewed your snaps and or took a screenshot of your snaps and how to utilize the chat function. |
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