![]() If you’re just getting started on this family binder series with me, start with this post on how to organize your bills. “Financial health is re-stored in two ways – first by doing the inner work of changing how you think and feel about money and then by doing the outerwork of practical money management.” – Marianne Williamson Writing everything down and using these free budgeting printables is one of the easiest ways to get started. Empowering yourself with knowledge and making a few educated changes in your spending habits can really make a huge impact for you and your family. Taking control of your finances, however, can go a long way in reducing your daily stresses and setting you up for future success. It’s definitely not my strong point either. Yes, I know the word “budget” may make some of you want to turn around and run away. These free budgeting printables are the first ones to be updated, but stay tuned for more! If you have anything specific that you’re looking for, let me know. I’m also working on updating the printables so they match the printables from The Household Organization Diet. It’s not my favorite task, but I’m slowly going through it one section at a time, taking out things I wasn’t using, and revamping how I want to organize it all. One of my goals for this year is to update our family binder. ![]() ![]() Reduce your stress and help set your family up for future financial success! Get your finances organized with these free budgeting printables and easy budgeting tips. ![]()
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4/21/2024 0 Comments Estate planning checklist iowa![]() Regularly review and adjust your budget.Ģ. Consider consulting a financial advisor. Consider the following financial planning checklist: ![]() It's not just about securing your savings but also about unlocking the potential for the life you've always wanted. When retirement age approaches, financial planning becomes paramount. Financial Planning: Your Roadmap to Freedom Let's dive into a comprehensive guide that ensures you're not just retiring but upgrading to a life well-lived.ġ. Planning for this phase involves not only financial considerations but also activities that make each day fulfilling. Careful planning can minimize the estate tax and maximize your beneficiaries’ inheritance.Retirement is not the end it's a new beginning, a chapter where life truly begins to take shape according to your dreams. You can avoid or decrease any estate or inheritance tax by placing assets into a Trust, gifting, or making donations to charity. As with the estate tax, surviving spouses are exempt from inheritance taxes. Beneficiaries inheriting assets of a certain value are taxed. Several states have inheritance taxes: Iowa, Nebraska, New Jersey, Maryland, Kentucky, and Pennsylvania. For example, in Massachusetts, an estate valued at $1 million or more would be taxed. These states have lower exemption limits than the IRS. In addition to the federal estate tax, more than a dozen states have an estate tax. If assets are bequeathed to your spouse, they are not subjected to the tax. ![]() If you are transferring assets through your Will to beneficiaries upon your death, the taxes owed will be paid by the estate. This includes real estate, financial accounts, and cash. Each document should be reviewed periodically.Įstates with assets exceeding $11.7 million will be subject to the federal IRS estate tax. You don’t have to be wealthy to have an estate plan in fact, everyone needs estate planning documents like a Will, Health Care Proxy, and Power of Attorney.Īlso, as your life changes and certain events take place – such as divorce, having children, buying property, acquiring assets – you need to update your estate plan. Each legal document protects you, your assets, your choices, and your family (including your pet family members!). ![]() Appoint a permanent Caregiver for your pet, and name a Trustee and Protector to ensure your wishes are followed and your pet receives the best care after you’re gone.Ī comprehensive estate plan is more than just having a Will. Pet Trust – Set aside funds to provide for your pet if they should outlive you.Pet Power of Attorney – Provides instructions and grants legal authority to a person you appoint to care for your pet if you become disabled, or just go away on vacation.Power of Attorney – You appoint a person who will manage your legal and financial matters if you are not capable of handling your affairs.The supplementary Living Will allows you to express medical and health care choices you would want or not want if you become incapacitated and cannot make your own decisions. Health Care Proxy & Living Will – With a Health Care Proxy – also known as a Power of Attorney for Health Care or a Medical Power of Attorney, you can name someone to make health care decisions if you become incapacitated and cannot make decisions, yourself.Revocable Trust – You can place assets in a Trust while you are living that will go directly to named beneficiaries when you pass. ![]() A Will also allows you to name a guardian for your minor children. You can list assets you want to bequeath to beneficiaries of your choice. ![]() ![]() If you do not have a statement to see the current balance you can calculate the current balance so long as you know when the loan began, how much the loan was for & your rate of interest. For example, if you are 3.5 years into a 30-year home loan, you would set the loan term to 26.5 years and you would set the loan balance to whatever amount is shown on your statement. Extra Payments In The Middle of The Loan Term: If you start making extra payments in the middle of your loan then enter the current loan balance when you started making extra payments and set the loan term for however long you have left in the loan.Biweekly Payment Method: Please see our bi-weekly mortgage calculator if you are using biweekly payments to make an effective 13th monthly payment.Want to Make Irregular Payments? Do You Need More Advanced Calculation Options? ![]() We also offer three other options you can consider for other additional payment scenarios. This calculator allows you to enter an initial lump-sum extra payment along with extra monthly payments which coincide with your regular monthly payments. In addition, you will get the loan paid off 2 Years 1 Months sooner than if you paid only your regular monthly payment. If you make the initial extra payment amount you entered and pay just $50.00 more each month, you will pay only $380,277.66 toward your home. By the time the 30 year time period is complete, you will have paid $391,682.75 for your home. If you take out a 30 year loan for $250000.00 with a 3.250% interest rate, for example, your monthly payment (interest and principal only) will be $1,088.02. When it comes to a home mortgage loan, you can actually pay off the loan much more quickly and save a great deal of money by simply paying a little extra each month. ![]() Your Results in Plain English ( Switch to Financial Analysis) ![]() 4/21/2024 0 Comments Russian fishing 4 money cheat![]() Skill point which you invest in fihing technique should supposedly increase the chance to catch bigger fish. If you want to catch predatory fish your best bet is spin fishing, jigging and live bait fishing( basicaly everything that mimics live fish). The best way is to experiment with different baits. Oh there are some vids but they all have full points on everything and does not help a new player! 引用自 Richardgomore:Hi! i have some easy things you can do! make a channel on youtube and show us how to Use stuff. sounds like a great deal to me.įun but such a pay to win game. But dont let me get stats for the fish or the money. Give us and option to try rods! this is a big one! I NEVER again want to buy a float rod just to have it break - let me try fish and try diffrent fishing methods. the prices for rods and ♥♥♥♥.400 FOR bait grinder?! every rf4 fish tip on youtube always include this motherF and now when iam finally lvl 14 i can see its cost 40times the shovel? If people wanna play hardcore mode and dont want to know ok but I want too. ( hook bent and broke, fish simbly let go, slack line. Maybe jumping fish? visble fish stims and schools.? Its ok if you have an reason like it wont work with the fish physics. but some of the lakes i have near me i can see 7 meters down. Make the water clear'er, i dont know what soggy waters you have in russia. i never wanna stand on a beach in fear my line might run out and BREAK MY ROD again. Make the fish swim random directions, not just away from me. maybe not 100 people in same area but maybe 3 in real multiplayer. i was just lucky to find a random button. there was no info anywhere on how to change the bait rod to a jig rod. Make vid on how to put on a jig( and all other forms of bait). Įxplain why you need to eat and need energy, i only need it to dig for worms! and the shovel costs so much money. 70h in and i never got it lose and it wasted another 200 silver before I found a good cheat which wont tell you in fear you might patch it. yea top kilo bait leaderboards are great but maybe i dont want to start with getting a 20 kilos pike on the hook lvl 1. make it better explaned on how not to break rod. Nope 3 fish in and i got a biggy on the hook and killed my new lovley rod. ![]() ![]() I did not know that you can break float rods so i wasted over 100 silver on it in start bc i thought it would be a good start. If you are having any issues, shoot us an email, Contact MPGH Support.Hi! i have some easy things you can do! make a channel on youtube and show us how to Use stuff. ![]()
4/21/2024 0 Comments Uspspassport scheduler![]() ![]() Even if you are using a passport expediting service to get a new passport fast, you will still need to make an appointment to sign your form in person. ![]() However, an expediter can't get you out of the DS-11 signature or oath requirements. Passport expediting services can help you get your new passport fast. This is a risky strategy, especially if your international travel plans hang in the balance. Your success will depend on the number of appointments and other applicants also trying to get a passport as a walk-in that day. You will need to arrive at least an hour or more before the agency opens and wait in line.
4/21/2024 0 Comments Cpanel download![]() ![]()
![]() ![]() This means listing your most recent experience first, then older entries. For the resume format, utilize the reverse-chronological resume layout.Make sure to clean your online presence, they will check. Got a social media presence? It’s not the 1980s, so why wouldn’t you.In the resume header (the top part), include your contact information.There’s certainly a hierarchy at play.įor you, the #1 top priority for right now is nailing the structure of your resume: It could be checking the patient’s pulse or vitals, it could be asking the lead doctor for assistance in reading test results. ![]() Inversely proportional to your current work experience. So, an entry-level nurse resume needs to show you excel at all of that.Ĭlearly, a nurse’s plate is full almost all the time. Administering care, and liaising between patients, doctors, and the families are also regular duties. Use the Best Format for an Entry-Level Nurse ResumeĮntry-level nurses assist their colleagues in performing tasks in clinics, hospitals, and other public health institutions. Without further ado, let’s show you the best tricks to writing a great entry-level nurse resume: 1. Volunteer Carer at Riverview Residential Care Home in New Haven, NY.Attended World Nursing Conference in 20.Basic Life Support (BLS), American Red Cross, 2021.Communicated with supervising team of 5+ doctors, passing on accurate information.Interviewed patients and families to identify needs and design appropriate, optimized therapy and plans of care.Utilized superb organizational & prioritizing skills to reduce daily patient admission waiting time by up to 50 minutes.Performed medical procedures, including administration of IV coagulants, respiratory assessments, and vital sign measuring.Received 5 written commendations from senior colleagues, supervising nurses, and lead doctors.Consistently provided exceptional & attentive patient care to secure new patients.Stamford Community Health Center, Stamford, CT Student Nursing Association (SNA) Officer in 2020–2021.Selected as Head Nurse in school’s Nursing Lab.Seeking to gain experience, learn, and broaden horizons while providing highest-possible quality care to patients at Milford Hospital. Completed Nursing Traineeship at the Stamford Community Health Center, receiving 5 written commendations from senior colleagues. Achieved 3.9 GPA in University of Utica’s Nursing School. Attended the World Nursing Congress in 20. Healthcare Administration Resume Examplesĭriven and friendly entry-level nurse with 8 months of experience caring for patients.Recent College Graduate Resume Examples.Patient Care Technician Resume Examples.Labor and Delivery Nurse Resume Examples.More experienced in nursing? Already completed your nursing specialization? Whatever your case may be, check out these articles: Zety is well worth the money! All you do is input your info and Zety turns it into a professional resume that appears like you took hours to make. Sample resume made with our builder- See more resume examples here. ![]() 4/21/2024 0 Comments 55w halogen vs 35w hid![]() ![]() My conclusions, based on the specific kit I purchased: But, of course the halogen bulb's filament resistance quickly increases to about 3 Ohms as the filament warms up so the current then is about 4.2 Amps. And the lower the ambient temperature (we had 0F here a few days ago), the lower the resistance of the filament, the higher the start-up current of the halogen bulb. Even if my measurement was off by 33% at this low resistance, start-up current is still 30 amps. That means a start-up current of 40 amps for the halogen bulb. But, what's the start-up current on a halogen bulb? I did a measurement on the H7 filament at room temperature and it was 0.3 Ohms (on a calibrated Fluke DMM). This kit uses a digital "ballast" (really a controller and converter to high voltage), so perhaps the older analog HID ballasts drew a higher start-up current. Could the reason be start-up current? The HID kit I bought rates start-up current as less than 10A. But, the OEM bulbs are 55W on the NSX (as well as the SLK), and the NSX high beams are 65W. Looking on Prime, I saw old posts saying a relay should be used for the 12V power when using 55 W HIDs. OK, there may be a better scientific way to measure the total light output, but the numbers were close enough to agree with the calculation and verified my visual experience. The difference was tiny, measured either at the adjusting points on the headlight lens or at about 3 feet away zooming in on the headlight assembly. Still being curious, but lacking a light meter, I decided to set my camera at a fixed shutter speed, a fixed ISO, and measure the resulting f/stop. So, about twice the lumens yields about a 11% (rough calculation) in perceived brightness. Clue #1 : human vision, like hearing, is not linear, its logarithmic. So, what gives? Time to revert to a little science for a consultation. However, there was a somewhat wider pattern of illumination from the HIDs, and as noted before, the color more whiter, ie, more "natural." Once again, the ability to see the lines on the side/middle of the road, especially with the glare of oncoming headlights was only slightly better. The HID was surely a truer white than the yellowish halogen but to my surprise, it didn't seem much brighter. I marked the headlight pattern on the garage wall to make sure before/after alignment had not changed. I installed one bulb so I could do an HID vs halogen comparison. ![]() This should be great, roughly twice the light! I decided to go for a 55w 4300K conversion kit, which provided 3200 lumens vs 1450 lumens of the OEM 55W H7 halogens. ![]() I decided to experiment on our SLK, being its simpler to get at the bulb. After all, you can get a conversion kit now for under $25 on Ebay, including shipping. My night vision isn't what it used to be, so I decided to give HID lights a try. ![]() 4/20/2024 0 Comments Download speed test frontier![]() ![]() Roots may be growing into the cable buried in your yard. Speed may be slow because you’re using the internet at peak times, or your router may be outdated. You may even see disclaimers like “wireless speeds may vary” because Wi-Fi speeds are always inconsistent no matter what provider you choose-it’s just how Wi-Fi works.įor example, there may be issues with the provider’s service area, like faulty connections somewhere within the neighborhood. Internet providers will state “up to” when advertising maximum speeds because many variables can prevent you from hitting that top speed. What you see on the speed test is simply where your internet speeds are currently. Most of the time, your internet speeds will fluctuate within a small range of that max speed. ![]() The speeds promised by your internet plan are the max speeds you can expect. You likely won’t ever see the maximum speed advertised by your provider in the speed test, but your speed test results should come close. Starting Price: 49.99 per month (with Auto Pay) Major Cities Covered: Los Angeles. What's the difference between bandwidth and speed? Bandwidth is the overall size of the conduit in which your data travels, while speed refers to the actual rate at which your data travels.Why doesn’t my internet speed match my plan? I’ve been a customer of Frontier for more than two years now, and a chief reason is that they are one of the most affordable internet providers around.Aside from your broadband connection, it's important to consider your router, broadband plan, your provider's network, how many people are online in your household, your router and computer's ages, and your network's overall capacity. download test upload test jitter test latency test wifi speed test ping. In particular, whether you use a wired or wireless. That bandwidth is shared between all your devices, and there are other factors that affect the speed of your connection. What factors might be hurting my broadband performance? There are many factors affecting your internet speed. AT&T Speed Test CenturyLink Speed Test Frontier Internet Speed Test. A gig fiber connection will provide around 1,000 Mbps download and 1,000 Mbps upload but you won’t always see those numbers if you run a speed check on your computer. ![]() A faster speed might be necessary, however, if you live with multiple people using the internet on multiple devices at the same time. You should have no problem with tasks such as downloading files, watching videos on Netflix, uploading files, and sharing your screen over Zoom.
![]() ![]() That is one reason the AOA recommends that all children have a comprehensive optometric examination before they begin school. Early detection of color deficiency is vital since many learning materials rely heavily on color perception or color-coding. Also, parents may not suspect their children have the condition until a situation causes confusion or misunderstanding. For example, tree leaves are green, so they call the color they see green. Quite often, people with red-green deficiency aren't aware of their problem because they've learned to see the "right" color. SymptomsĪ person could have poor color vision and not know it. The severity of inherited color vision deficiency generally remains constant throughout life and does not lead to additional vision loss or blindness. Women are typically just carriers of the color-deficient gene, though approximately 0.5% of women have color vision deficiency. About 8% of white males are born with some degree of color deficiency. In many cases, genetics cause color deficiency. ![]() Contact with certain chemicals-such as fertilizers and styrene-have been known to cause loss of color vision. The ability to see colors can gradually lessen with age. ![]()
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