![]() Use the Savings Calculator to Plan for Annual, Emergency and Unexpected Expenses to Avoid DebtĪ savings calculator is built right into the worksheet so that it’s easy to see the amount of money you need to set aside for annual, emergency and unexpected expenses. ![]() This free spreadsheet includes our very popular budgeting guidelines so that you have an idea about how your spending compares to that of other Canadians with similar sized households. There’s no such thing as a “normal” budget, but based on tens of thousands of credit counselling appointments, we’ve been able to create Canadian guidelines for how people will generally want to spend their after-tax income to avoid getting into debt.Įveryone allocates their money for personal or household expenses and savings a bit differently. What Does a Normal Personal or Household Budget Look Like?īudgeting and money management guidelines for after-tax income and to avoid debt Easy to use with more personalized expense categories than other similar templates.If you want to reduce your expenses, it can suggest dozens of places where you could consider reducing your expenses to save money.Identifies common budgeting pitfalls and offers tips and solutions to fix them.Keeps a running tally of how much you’re planning to spend versus your income.Drop down menus let you tell it whether each expense occurs weekly, monthly, annually, etc.Stand-alone Excel or Open Office file keeps your information private on your own computer.Clear graphs, dollar values and percentages so that you can adjust things as you go.This allows you to compare your spending to what's "normal" Provides guidelines for how much to spend in each category of your budget.Simple, helpful graphs let you see your monthly spending in a whole new way (just in case you're not a numbers person).User-friendly, even if you don’t really know how to use Excel.A calculator spreadsheet that is smart and interactive, to guide you through the budgeting process.Our free budgeting worksheet will help you manage your money better. You can also download the calculator spreadsheet on the Mac and open it in Numbers:ĭownload Mac version as Numbers Spreadsheet (.numbers) File If you don't have Microsoft Excel, you can download OpenOffice for free and then download the file below:ĭownload Open Office Spreadsheet (.ods) File If you have doubts about how much to spend on certain expenses, aren’t sure if you did your budget right, or want help planning your monthly budget so that you can manage money better, this is the free Excel budget calculator spreadsheet to download now! ( the Mac version works great too)įeatures of Our Free Budget Worksheet and Calculatorĭownload Microsoft Office Excel 2007 Worksheet (.xlsx) Fileĭownload Microsoft Office Excel 97-2003 Worksheet (.xls) File Many people put off creating a household budget because they think that they don’t really know how to budget. To make budgeting easier for you and your spouse, family or household, we’ve created an intelligent, interactive Canadian budget calculator spreadsheet in Excel that you can download and use for free as your personal budget template (it's now available on the Mac too). They’re here to help you set a budget, track your spending, and build your savings so you can finally start investing!Īnd to make planning a whole lot easier for you, these printable budget worksheets come beautifully in a refreshing tropical floral theme! Scroll down to view the templates.Free Interactive Budget Calculator Spreadsheet for Canadians – Easy to Use Excel Template to Help You Create a Personal Budget The budget templates that I have for you will help you have a system to follow so that you can achieve your financial goals without overdrawing your account. “Where did my money go?” If you often find yourself asking this question, then it’s about time to organize your finances. So, I hope you’ll find these templates useful! Free Budget Planner Templates My dream for you this year? It’s for you to be financially free! And, of course, it’s for you to enjoy abundance in all aspects of your life. ![]() If you love the free printable planner I’ve previously shared, I am sure you will again enjoy these new templates. I am super thrilled to be sharing these budget planner templates today! I’ve designed them to help you manage your income and expenses throughout the year– so you can finally achieve your financial dreams! Hello, friends! Welcome back to Shining Mom!
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![]() ![]() You'll find some incredibly intricate and bold phone skin designs online. Drop protection is minimal, but scratch protection is excellent.ĭesign is the real highlight here. They are made of thin vinyl, and add almost zero weight or bulk to your iPhone 12. This is a little like the wrap a custom shop might put on a performance car. Get stylish with a phone skinĪ phone skin is the slickest way to protect your iPhone. Such claims are a bit ambitious, but glass screen protectors are very popular and stay fresh longer. You'll see some of these marketed as "9H" hardness, which would mean they are harder than glass or topaz, and only one step below diamond. Higher-end screen protectors are made of tempered glass, which will pick up damage less readily than a low-end one. Like a cheap case, you can pick up a basic screen protector for just a few dollars or pounds online. Consider hunting one that comes with a fitting tool in the box if you've had trouble in the past. We find these don't spoil a phone's image quality or touchscreen performance, but getting them on without bubbles can be tricky. But better safe than sorry, eh?Ī basic screen protector is a piece of plastic with adhesive on one side. Apple claims it's even harder than the toughened glass of other top-end phones. The iPhone 12 has a new kind of toughened glass with a layer of ceramic on its surface. It's much easier to ignore a scrape on the side or back than a scratch on its front. We'd argue a screen protector is even more important than a case. Screen Protector: sealing in a phone's value Look out for MagSafe cases to make full use of an iPhone 12's hardware. A magnet behind the phone's rear glass snaps MagSafe phones into place so you don't have to wrangle the into position. The iPhone 12 introduces a new case-related feature too, MagSafe. You might have foam in the corners, a rubber inner layer and a hard plastic outer one, for true armor-like toughness. Still, an iPhone 12 with a hard shell case will still weather a fall better than a naked one.Ĭases with the highest level of protection use several different kinds of material. However, most are better at protecting your phone from scratches than impacts. These are harder, and therefore often feel more refined. These compress on impact, soaking up the force of a fall.įor a sharper look, consider a polycarbonate shell instead. More advanced versions of this same ideal use little air pockets in the corners. The most basic are third-party silicone ones that might cost a just few dollars or pounds. ![]() Even if you don't get one, don't sleepwalk through this stage and wonder why you've scraped your iPhone 12's lovely aluminium (or steel) sides in week one. Rule number one of owning an iPhone is you have to consider buying a case. Case: the no.1 choice for everyday protection What is a LiDAR scanner? The iPhone 12 Pro's camera upgrade, explainedġ.iPhone 12 vs iPhone 12 mini vs iPhone 12 Pro vs 12 Pro Max.iPhone 12 colors: new shades for Apple's four new iPhones. ![]() There´s not that many open Steam bot projects, there’s plenty of people that sell customized bots, but those bots can be expensive to buy.
![]() This cookie is set by GDPR Cookie Consent plugin. The cookies is used to store the user consent for the cookies in the category "Necessary". The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional". The cookie is used to store the user consent for the cookies in the category "Analytics". These cookies ensure basic functionalities and security features of the website, anonymously. Necessary cookies are absolutely essential for the website to function properly. Believe the Church’s teachings and observe all the Church’s directions 2. It was also called the Ten Commandments of Chivalry and it included the following commands: 1. What are the Ten Commandments of chivalry? ![]() “I think they were pretty destructive,” she says, “even with this code. What was Chivalry like in the Middle Ages?Īs for the actual effects of chivalry in the Middle Ages, Gibson says it’s just hard to tell how much a strong focus on honor truly reined in knights’ aggression. These virtues included the following: 1 Faith 2 Charity 3 Justice 4 Sagacity 5 Prudence 6 Temperance 7 Resolution 8 Truth 9 Liberality 10 Diligence 11 Hope 12 Valor More What are the virtues of the Code of chivalry? ![]() The wandering minstrels of the Middle Ages sang these ballads and were expected to memorize the words of long poems describing the valour and the code of chivalry followed by the Medieval knights. The ideals of a Knights Code of Chivalry was publicised in the poems, ballads, writings and literary works of Knights authors. How was the Knights Code of chivalry publicised? The Code of Chivalry was admired and understood by all. The Code of Chivalry was an important part of the society and lives of people who lived during the Medieval times and era. An important part of chivalry was to show respect and gallantry towards women. Why was the Code of Chivalry so important?Ĭhivalry was the honor code of the knight. The Arthurian legend revolves around the Code of Chivalry which was adhered to by the Knights of the Round Table – Honour, Honesty, Valour and Loyalty.Įvolving from the late 11th century CE onwards, essential chivalric qualities to be displayed included courage, military prowess, honour, loyalty, justice, good manners, and generosity – especially to those less fortunate than oneself. What are the 3 aspects of the Code of Chivalry? Each of King Arthur’s Knights swore the Oath of Chivalry which included lofty ideals such as: protecting the weak and defenseless, obeying those placed in authority, and always speaking the truth, bravery, courtesy, honour and great gallantry toward women. ![]() The Code of Chivalry was the honour code of the knight. Humility: Value first the contributions of others do not boast of your own accomplishments, let others do this for you. What does the Code of Chivalry say about faith?įaith: A knight must have faith in his beliefs, for faith roots him and gives hope against the despair that human failings create.
![]() overall dont move here everything is old until the new managemt actually steps in makes progress keep scrolling we they suggest the life at treeview we put more money toawrs them and they dnt even cut slack, then got the nerve to say you have to have all the money to transfer into an apartment, im super glad they have a new management because in my pinion the life was definitely stealing. we did pet control and it seemed like that attracted more, i have several complaints about the bugs to the point im going to get a lawsuit, there were bugs all in my baby bottle, its been in our bed, and mind you we moved into the apartment with no furniture all of our stuff was brand new tis is how ik the bugs were from the apartment, i can go on and on and even about ow scandalous there entire leasing office is, except sheleen. the kichen smelled it was brown all on the interior and we had to pretty clean it up ourself, then a few months has passed we started expericing bugs in the kitchen, the kitchen was out of date and explained why they came from there, it was coming through every crack you can think of. ![]() If you ask me they neve had the apartment clean or suited to move in to begin with, me and my boyfriend had to come up with last minute just to mve in or we would have been homeless. The kitchen was really the disappointment, the stove was new but evrything else was old. just as the other complaint i had a new born and need to move fast because my other apartment was terrible for her to be in,i **** near had three different move in dates to begin with, they kept pushing it back and apparently they didnt have any apartments ready but were so quick to get you leased in, anyway!!! the day of move in he apartment wasnt dirty but it wasnt clean like the ones they viewed to us. Just as the other complaints that i have just read! mine sis definetly similar, i moved here october 4,2019 from another life company. ![]() This might drive Quant’s adaptability rate and increase its valuation to around $200 by the end of 2023, as per our forecast.Īlso, if the QNT crypto continues to reflect bullish signs and perform dramatically and consistently where it stands today, firm and tall, then surely, by the end of 2024, the Quant price might reach $300. Keeping also the nascent features of Quant being easy to store and other DLT-driven environmental advantages, one can understand that Quant would be pivotal to the technological advancement of ledger databases for scalability and storage.Īlso, keeping in perspective how Quant shares the logic and database of different devices that collectively run it makes the transactions more reliable and efficient. However, going by the expert price forecasts and market sentiments, the mood looks pretty positive. On account of volatility, which is the inherent attribute of Quant forecast and so any sort of far-fetched price prediction would be an uphill task. Even though accuracy is difficult in the Quant price position, the coin, compared to Bitcoin, Ethereum, etc., may show some resistance. However, the combination of forecasts for 2021 is mainly bullish. Digital Coin PriceĪccording to cryptocurrency technical analysts, a diversified trend with a mix of bear and bull markets together shows profit as well as risks. Users may include Quant in their portfolio at the current price range to gain massive returns in the future. GOV Capitalīased on our QNT price predictions, we predict that the coin price might cross $303.01īy the end of 2023. According to our Quant forecasts, the future price of Quant (QNT) is predicted at $314.5 after a year. The current price of QNT is around $137.87, and our data indicates that the QNT crypto has been in an uptrend. Stating the bullish scenario and analysis of historical data, the Quant (QNT) crypto price is expected to continue many cryptocurrency market experts have the following investment advice below:īased on our Quant (QNT) price predictions algorithm, a long-term increase is not expected the price forecast for 2023 is $87.023. The current price of Quant stands at $138.54 and is set to skyrocket due to the increase in demand for Quant in the future. The founders of Quant are highly optimistic that being a leader, the mass adoption of Quant has a lot of promises to behold for its fans. Quant (QNT) price has to its discredit being the slowest and its credit being the consistently growing crypto asset nomenclature. With a market capitalization of $1,672,435,031 and a trading volume of $42,349,912, Quant has a lot to surprise investors. ![]() Quant Price Predictions: Market Sentiment Emerging as the most promising solution to scalability, this distributed ledger technology (DLT) has been the root of the genesis for Quant. ![]() Distributed ledger technology is an altogether different concept that contributes to making the lives of people more empowered and more expeditious, making their lives easier and more comfortable both. Gilbert Verdian followed Quant in the year 2015. This has further facilitated interoperability, connected the world, and helped drive tremendous value, open up new markets, and realize new efficiencies for enterprises, governments, and individuals alike. Enterprises, governments, and individuals across the globe benefit from the true potential of an incredibly powerful technology of DLT. The need to exchange assets across a secure and cost-effective network has picked up momentum, and the enterprise DLT gateway promises interoperability across different systems and networks and DLTs. Here comes the role of distributed ledger technology (DLT) that supersedes the entire gamut of blockchain-based solutions providing answers to all questions that until now remained unanswered. The world of Blockchain has its limitations. The various light orders of a diffraction grating result in dispersion of the energy and a reduction in light utilization efficiency. This is reflected as white light, equivalent to normal specular reflection. Incidentally, the light when m=0 is known as zero-order light, for which the diffraction angle θ is equal to the angle of incidence i. These light directions are named using a combination of the m value and the + or - sign, such as +1st-order light or -1st-order light. This indicates that light of wavelength λ diffracts in multiple angles θ, as shown in Fig. ![]() ![]() If d, i, and λ are fixed in expression (1), a different value of m results in a different value of θ. Modern diffraction gratings achieve comparatively low stray light.)Įxpression (1) indicates the presence of higher-order light. High (Dispersion due to higher-order light and surface roughness. Yes (Requires higher-order light cutout filter.) High (Effects of temperature on refractive index.) ![]() High for UV low for visible to NIR light. High efficiency near the blaze wavelength.) Low (Light with the same wavelength is dispersed in several directions as higher-order light. A single prism covers the range from 185 to 2500 nm.) High (Generally has high efficiency despite light losses from boundary reflection and absorption during transmission through the material. Typically, the cost of producing a master diffraction grating is expensive and by supplying replica gratings (which offer almost indistinguishable performance), one master may produce thousands of replicas, lowering the unit cost of the diffraction grating.Exploits differences in the material refractive index according to the wavelength.Įxploits diffraction from a reflective surface with a regular grating structure. A blazed grating has a ‘saw tooth’ profile and normally offers higher efficiency.Ī commercial diffraction grating is generally a replica grating produced from a sub-master, which may be a number of generations down from the master diffraction grating. A sinusoidal grating generally offers lower efficiency than a blazed grating, but often gives a broader spectral coverage. Transmission gratings are usually supplied with an antireflection coating.Ī diffraction grating can have a sinusoidal or blazed profile. Reflection gratings are normally coated with a reflective coating, usually aluminum with a protective overcoat for UV-VIS-NIR use or gold for IR use. The most common type of diffraction grating are plane gratings and concave gratings although they can also be other profiles such as convex or toroidal depending on the application. There are typically two different types of diffraction grating – the ruled grating and the holographic grating.Ī ruled diffraction grating is produced by a ruling engine that cuts grooves into the coating on the grating substrate (typically glass coated with a thin reflective layer) using a diamond tipped tool.Ī holographic diffraction grating is produced using interference lithography which results in a smooth groove surface and eliminates the periodic errors found in ruled gratings.Ī diffraction grating can be a reflection grating or a transmission grating. The groove density, depth and profile of a diffraction grating dictate the spectral range, efficiency, resolution and performance of the diffraction grating. A diffraction grating is an optical element that diffracts energy into its constituent wavelengths. ![]() ![]() I love how it makes every turn an exciting chance to clear the whole screen of enemies in one go, and it pushes me to experiment with how I combine my squad's many abilities. You're trying to extend your turn as long as possible, every kill offering up the opportunity to earn three more actions, and another kill, and three more actions, until everything lies dead at your feet. These two things give Gears Tactics a remarkably different flavor: You're not trying to make the best of your meager options each turn. Every time one of your soldiers performs an execution move on a near-death enemy, the rest of the squad gets an extra action point for the turn, the game design equivalent of a platoon shouting Hooah! Gears is more freeform, giving each of the four soldiers you take into a mission three actions per turn any combination of moving, shooting, and special abilities you want. Every turn in XCOM is about the tension of how few moves you can make, the dramatic risk of missing a single shot and scrambling for a backup plan. While it first looks an awful lot like XCOM, which has inspired a wave of strategy games this decade, Gears Tactics plays differently. (I like to imagine that the chainsaw's lengthy cooldown isn't because it's overpowered, but because my hero, Gabe Diaz, has to spend the next few turns scraping bone chunks and viscera out of the blades). It knows you've got frag grenades that can turn a pack of five scurrying wretches into chicken nuggets, or a chainsaw gun that has a 100-percent chance to slice even a full-health Locust soldier in half. We lay out each enemy type, their abilities, and how best to kick their Locust butt.Gears Tactics is an aggressive strategy game that throws piles of enemies at you, because it knows just how powerful the tools at your disposal are. Gears Tactics features a bunch of familiar Locust enemy types that Gears fans will be familiar with, but also a few brand new types that will force you to think tactically on your toes. Just be wary of Gears 5 spoilers if you haven't played that yet. The story is pretty straightforward Gears of War fluff, but it does end up establishing a few interesting threads that we see paid off in Gears 5. Gears Tactics tells the story of Gabe Diaz, father to Gears 4 and 5 protagonist Kate Diaz, as he battles against the evil Locust scientist Ukkon. Gears Tactics Achievement List and Scores.We list every one, including the Gamerscore points you'll get for each. My favorite might be using a certain Locust like a football to close an E-hole. Gears Tactics features a bunch of achievements for completing missions, killing various numbers of enemies, and a bunch of ridiculous other goals. Whether it's the support unit's healing, the vanguard's stabby bayonet, or the scout's stealth cloak, we run down which abilities you definitely want to invest in if you want to be the ultimate squad. Gears Tactics abilities allow your soldiers to become more than just rifle-toting murder machines. Whether it's overlapping overwatch cones, enemy evasion stats, or how friendly fire works, we run down the many things that Gears Tactics doesn't tell you explicity and show you why they're so important to winning the day. Gears Tactics is a game of strategy that's chock full of mechanics and other surprises you'll need to learn on the fly if you want to survive the Locust horde. Every battle will play out a little differently, but thankfully Gears Tactics has a fairly straightforward structure.ġ0 essential tips and tricks for Gears Tactics newcomers, including how to most effectively use your weapons and abilities, how to command your squad with skill, how to use the overwatch ability effectively, and much more. Our full guide to Gears Tactics' campaign mode includes story missions, side missions, boss battles, loot case locations, and combat strategy tips to help you win each skirmish. We powered through all of these bosses to figure out what the most effective survival strategies are. Gears Tactics features three really big, really tough bosses that will put all your tactical thinking to the test. Gears Tactics evolves turn-based tactics games combining signature fast-paced brutal action and character-driven storytelling with customizable squads, upgradable weapons, and, of course, massive boss battles. ![]() This is most likely because while all the other characters have a clear understanding of what they are and where they come from, Momo seems to be entirely clueless. She receives many more questions than any of the other fantasy characters regarding her origins. Momo's identity is a hot topic of debate among fans. Despite the official statement, fans continue to debate the formula for converting one cat year to human years (ranging anywhere from 15 to 24 human years old) to determine Momo's human age equivalent. Momo claims her age is one year old in cat years, and the developers confirm that this translates to 18 human years. Momo has been the subject of controversy and head-scratchers since her reveal in HuniePop, mainly correlating to her age and catlike interactions. Momo's origins are unknown even she says she has no idea where she came from when asked. Momo is a stray cat girl that is in desperate need of a master. Once you discover how to unlock her and become her new master, she will become very attached to you."- Game Description She loves to run around outside and play in the sun but tends to come back inside at night. "She is very sweet, innocent and adorable with a naive child-like mentality about most things. Like the other characters, Momo has various outfits and hairstyles that are unlockable throughout the game. Like a cat, Momo has cat ears with short black fur on the outside and white fluffy fur on the inside and a black tail with white fur at the end. On her feet, she wears white socks with brown sandals. She has a little bow on her tail that has the same pattern as the kimono. Momo is also pale with a slim build and wears a black collar with a bell on her neck and a very short, navy blue kimono with a design of a white streak pattern across the top and white flowers. Her eyes are golden with narrow pupils like the eyes of a cat. In Momo's default appearance, she has short, red hair with bangs her hair extends no further than her shoulders. Regardless of your dialogue choices, Momo will appear in your HunieBee as a candidate to date. To unlock Momo, dispose the bag of goldfish when you are outside (University Campus, Dawnwood Park, etc) and she will appear when you try to leave the area. ![]() A bag of goldfish is required to unlock Momo. If your photos were captured while travelling in another time zone or your camera’s clock was not set correctly, the photos may not match the recorded track log. Choose Map > Tracklog > Auto-Tag Selected Photos.In the Map module, select the matching photos in the filmstrip.If matches are found, Lightroom Classic allows you to automatically tag the GPS coordinates of a selection of matching photos using Auto-Tag option. Once you load the track log (GPX file) in the Map module, Lightroom Classic looks for photos (in the current catalog selection) whose capture dates match with the track log dates. To load a track log (GPX file only), click Map > Tracklog > Load Tracklog. Preview, export, and upload web photo galleries.Work with web gallery templates and settings.Work with print job options and settings.Open and edit Lightroom Classic photos in Photoshop or Photoshop Elements.Export to hard drive using publish services.Correct distorted perspective in photos using Upright.Watermark your photos in Lightroom Classic.Personalize identity plates and module buttons.Display the Library on a second monitor.Set preferences for working in Lightroom Classic.Enhance your workflow with Lightroom Classic.The Filename Template Editor and Text Template Editor.Import photos from a folder on a hard drive.Import photos from a camera or card reader.Sync Lightroom Classic with Lightroom ecosystem.Adobe Photoshop Lightroom for mobile and Apple TV | FAQ. ![]() ![]() Using Adobe Stock in Creative Cloud apps.Feature summary | Lightroom CC 2015.x/Lightroom 6.x releases. |
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