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Research what you’ve spent on your utilities over the past year, divide by 12 and use the monthly average as your projected cost. Utilities (sewer, electric, garbage, etc.) also count – but they’re a little trickier. This is any cost that won’t regularly change from month-to-month, including rent/mortgage, car/student loan payments, and insurance premiums. Look back at past months to come up with all of your usual expenses, and put these amounts in your budget spreadsheet as “projected costs.” Every projected cost will be one of two types: Fixed expenses: STEP 2: Come up with projected monthly expenses – “fixed” and “variable.” HINT: You can generate a little extra income each month by having some sort of Rewards Checking, which usually pays higher interest than a normal free checking account. Also be sure to add other sources of money you expect to get each month (a spouse's paycheck, for example). Once you have your total, place it in the "projected monthly income" box. If you get paid twice per month, be sure to add those figures together for your total. This won’t include taxes, social security, your 401(k) contributions or insurance premiums, because these items are usually taken out before your paycheck hits your bank account. When figuring your income, only count the amount that you actually see deposited into your bank account every month from your paycheck. Ready to get started? Follow these steps to create your monthly household budget planner: STEP 1: Note your “real” (take-home) income. Now, you might be asking yourself, “How do I make a monthly budget spreadsheet?” You'll be happy to know, we've already created a template to help you get started! Get a free monthly budget example by clicking the one of the buttons below.ĭownload for Excel (800 KB) Download PDF (143 KB)Ī Step-by-Step Guide to Creating a Monthly Budget Suspend the player from online play in the case of repeated offences.Ban the name from being used by any player.Ban the skin from being used by any player.If a skin or name is reported, and found to be violating the Community Standards, our team of human moderators can action in a few ways:.Player Skins and Names can now be reported in the Social Interactions Screen.To find out more about this and other safety policies, including more detail on the suspension procedure, appeals process, and how we handle malicious or repeat reporting, please visit our dedicated FAQ page. Usernames that are in violation of these standards will need to be changed before that player can play online via a shared server or Realm though single player mode will still be accessible. Skins that are in violation of these standards will be removed from Minecraft and will no longer be accessible for use by any player. Any reported skin or username will be reviewed manually by a team of trained Minecraft moderators, who will use the submitted evidence to decide whether the skin and/or username is in breach of our Community Standards. Just like with chat reports, nothing is automated. Playing Minecraft should be an inclusive and safe experience for everyone, which is why alongside in-game chat messages, you will now be able to report player skins and usernames that violate our Community Standards in Java Edition. We are making some important updates to our Player Reporting Tool to better protect the online safety of our players. New Features Player Skin & Name Reporting The optional Villager Trade Rebalance Experiment also makes its debut in this version with changes to trades in the making that you can try out. You will now be able to report player skins and usernames that violate our Community Standards. With 1.20.2, we are making some important updates to our Player Reporting Tool to better protect the online safety of our players. This release also includes new features for map makers and pack creators like macro functions, a random command and pack overlays. This release comes with more diamond ore in the deep regions of the world and changes to mob attack reach as well as optimizations to the game's networking performance enabling smoother online play even on low-bandwidth connections. We're now releasing 1.20.2 for Minecraft: Java Edition. Turning political beliefs into religious exemptionsĪlthough opposition to COVID vaccines has been tracked more as a political issue than a religious belief, national polling consistently has shown that conservative evangelical Christians tend to be overly represented among the vaccine hesitant and the vaccine refusers. Some of the nation’s largest employers now require vaccination for employees, as do a number of private universities, including some Catholic schools. The practice has arisen as more employers and schools issue mandates that employees and students must be vaccinated before returning to work or school. Therefore, during these difficult times, I prayerfully request that employer honors and respects request for a religious exemption, just as I hope it would honor the beliefs of its other employees of faith who conscientiously object to receiving the vaccine.Churches in California and North Carolina are among those now offering congregants documentation for “religious exemptions” to the COVID-19 vaccine, a practice that is legally dubious and likely ineffective, according to labor lawyers. I can affirm that is simply trying to follow conscience. As pastor, I affirm that I have spoken with and prayed with about request for an exemption. I can affirm that is acting in accordance with sincerely-held religious beliefs in requesting a religious exemption. believes in the sanctity of the unborn and that receiving the COVID-19 vaccine would be a violation of conscience, which prohibits from even a remote complicity with the sin of abortion. Passages from the Bible-including Exodus 21:22-25, Psalm 51:5-6 139:13-16, Jeremiah 1:4-5, and Luke 1:39-45-affirm the personhood of the unborn. Fetal cell lines were used in the development and production of the Johnson & Johnson COVID-19 vaccine, and fetal cell lines were used in the testing of the Moderna and Pfizer COVID-19 vaccines. request for a religious conscience exemption to the COVD-19 vaccine is influenced by the church’s historic teaching on abortion (i.e., the intentional killing of unborn children in the womb). Christians believe sincere conscience objections should be respected and that no one should be forced to do something they believe is morally impermissible. In other words, Christians believe it is sinful to do something that goes against their conscience and therefore morally wrong to force anyone to do something against their conscience. Romans 14:23 teaches that “For whatever does not proceed from faith is sin.” This admonition seems especially pertinent when the action involves something as personal as injecting something into one’s body which, according to Scripture, is a “temple of the Lord” (1 Cor. Significantly, Christians believe that to willfully act against one’s conscience is sinful. Our conscience inflicts distress, in the form of remorse, whenever we violate what we believe is a morally appropriate course of action. A role of our conscience is to convict us when we do something wrong. Part of being created in God’s image is to be endowed with a conscience, a God-given internal faculty that guides moral decision-making. Although Christians haven’t all come to the same conclusion about the vaccine, what they all share is a biblically informed belief that every single person is made in God’s image (Gen. It is true that, thus far, Christians have come to varying conclusions regarding the COVID-19 vaccine, with many deciding to take it while others have not. After this mandate was announced, requested to meet with me and discuss how should respond as a committed Christian and member of. I am writing on behalf of as is requesting to be exempt from the COVID-19 vaccine mandated by employer. Please also be aware that such a letter from one’s pastor is not legally required to initiate a request for a religious exemption, but can nevertheless be submitted by those who wish to do so. Those consulting this model letter should feel free to modify it to ensure it accurately reflects the sincerely-held religious beliefs of the individual requesting the exemption. NOTE: This is an example of a letter that can be submitted by one’s pastor as part of a request for a religious exemption to a COVID-19 vaccine mandate. 2/25/2024 0 Comments Yearly budget planner templateAnalyse how much physical cash you withdraw and spend – try to not use cash ongoing.Analyse your credit card statement for spending patterns by categories.Here are some tips to accurately gather your existing expenses to document in your budget: Instead of trying to track these mini variable expenses, you might be better off stating ‘I have $50 per week for variable expenses’ and work towards sticking to this number. For instance, some days you may buy a coffee – other days you may not. Variable expenses are slightly harder to track and may require you to set yourself a daily or weekly budget limit to help cover these.Fixed (or recurring) expenses are easily tracked, as they are often a set amount on a regular date.There are also two types of expenses: Fixed and Variable. Listing your expenses quickly helps you establish whether you have enough money coming in to cover these. Your new expenses total $1,725 per month.You add a buffer of 15% which is calculated at $225.You estimate you spend $1,500 per month.When calculating your expenses, also factor in unexpected bills, such as unplanned car repairs.Ī good rule of thumb is to add an extra 10 per cent to 15 per cent. A forgotten bill really throws a wrench into your savings plan. Remember that being thorough when you add up expenses is important in creating a realistic budget. Some expenses are intermittent, such as insurance payments, so to get the most accurate financial picture you can calculate an average for six months to a year. Assess your expenses by consulting your bank statements, receipts, and financial files. This snippet format makes it easier for blog owners to add our content, ensuring the marketing strategy is consistent across all placed channels. With many people within the organisation needing to create embed codes we found we had a need to streamline the process and take the guesswork out of coding the HTML snippet. Sharing is caring! Creating all this fantastic, engaging content is all well and good but if no-one sees it then the campaign isn’t going very far! We work with hundreds of blog publishers to share our content so we do everything we can to help make the process as painless as possible and this is where embed codes come in. You can use this free tool to generate HTML iFrame codes quickly. Through the use of embedded content, you can attract more potential visitors to your website, blog, video or infographic. HTML iFrame code generator is a free online tool. These embed codes are small snippets of HTML which allow content to be shared and published on other websites across the Internet. This is used by screen readers to read out what the content of the2/25/2024 0 Comments Book of jumble word gamesBut its really bugging me that I did not solve this challenge. I'm also just skipping past this challenge and moving on to the next chapters. Previous chapters covered: types, variables, branching and while loops. Though I'm not really sure if that would work. The indices of the hints are equivalent to the indices in words. Raw_input("\n\nPress the enter key to exit.") While (guess != correct) and (guess != ""): (Press the enter key at the prompt to quit.) # create a variable to use later to see if the guess is correct "Antonym of easy.", "Antonym of question.", "A musical instrument.") HINTS = ("A programming language.", "Word _.", "Antonym of difficult.", WORDS = ("python", "jumble", "easy", "difficult", "answer", "xylophone") # create a sequence of words to choose from # The player has to guess the original word # The copmuter picks a random word and then "jumbles" it Add a scoring system that rewards players who solve a jumble without asking for a hint."īelow is the code for the Word Jumble Game: # Word Jumble The player should be able to see the hint if he or she is stuck. At the end of chapter 4: "for Loops, Strings and Tuples", there is a challenge that asks so "improve Word Jumble so that each word is paired with a hint. The first to correctly identify and spell their chosen word wins the card and thus a point.įirst to win 10 cards is declared the winner of the game.I'm working my way through Michael Dawson's Python Programming for the Absolute Beginner book. The players rush to correctly spell any of the words they recognize in the options. The first player picks up a card and reads the definition. ALTERNATE PLAY FOR YOUNGER PLAYERSįollow same set up rules but discard the timer The winner is the player with the most cards. The game ends when a player wins 20 points and is declared the winner.Īlternatively the players may decide to set a goal of less than 20 cards. The first player to unscramble 20 of their assigned words earns 20 points and wins the game. The player to the left of the first player flips and reads the next card and play continues clockwise in subsequent rounds.īoth speed and accuracy in spelling are determining factors in choosing who wins the card. Where no player is able to correctly unscramble their assigned words before the time runs out, no one claims the card or earns the point and the card is put in a discard pile face down. The number of cards won represents the number of points earned. The cards won are stacked face down beside the players who have won them. If the player was wrong in identifying their assigned word or identified the correct word but spelt it wrongly, he loses the next turn for disrupting the round. If the answer is correct, the player claims the card and wins a point. The other players stop to confirm that the word has been correctly identified and unscrambled. The first player to correctly unscramble their words raises their hands off the table and shouts done. Fastest fingers matter here as others may equally be in need of the same letters you are seeking. Player D needed an extra E to correctly spell their word. If needed, extra letters can be picked from the tile pool to help form the words but must be returned to the pool after each round. Players are restricted to unscrambling the words assigned to their identification cards. Players then race to be the first to unscramble the words in relation to the definition provided and spell them with their set of letter tiles. GAMEPLAYĪ player is randomly chosen to be the first to pick a card and read out the definition. Get a stopwatch or phone and set a one minute time frame for each round. Any unused letter tiles are left in the box.ĭisplay the black letter tiles( made up of two sets of the alphabet) in the middle of the play area right side up ensuring that none rests on top of the other and all are clearly seen within easy reach of all the players. Return the unpicked cards back to the box.Įach player gathers a set of alphabet/letter tiles corresponding to the colour of the identification card picked. Place the four identification cards face down and have each player pick one to determine which of the options on the card they are assigned to unscramble. Shuffle and arrange the chosen deck of cards and place them in the centre of the play area face down.
2/24/2024 0 Comments Example of good cover letterCover letter templates for internships Software Development Internship By taking the time to craft a well-written cover letter, you can increase your chances of standing out from other applicants and securing the job of your dreams. It provides an opportunity to introduce yourself to the hiring manager, highlight your relevant skills and experience, and demonstrate your enthusiasm for the job. In conclusion, a cover letter is an important part of the job application process. Be sure to include your contact information so that the hiring manager can easily reach you if they have any further questions. Closing: End your cover letter by thanking the hiring manager for their time and consideration, and expressing your enthusiasm for the opportunity to interview for the position.Use this section to highlight your relevant accomplishments and demonstrate your understanding of the position. Body: The body of your cover letter should provide additional information about your qualifications and experience, as well as specific examples of how your skills align with the requirements of the job.Introduction: Begin by introducing yourself and explaining why you are interested in the position.What Should be Included in a Cover Letter?Ī cover letter should be tailored to the specific job you are applying for and should include the following elements: Finally, a well-written cover letter can help to demonstrate your writing skills and attention to detail, both of which are valuable qualities in any job. Secondly, a cover letter allows you to highlight your relevant skills and experience, which may not be immediately apparent from your resume alone. This can help to establish a personal connection and demonstrate your enthusiasm for the job. Firstly, it provides an opportunity to introduce yourself to the hiring manager and explain why you are interested in the position. Why is a Cover Letter Important?Ī cover letter is important for several reasons. A well-crafted cover letter can help you stand out from other applicants and showcase why you are the best candidate for the job. It is typically addressed to the hiring manager or HR representative and provides additional information about your qualifications, experience, and interest in the position. What is a Cover Letter?Ī cover letter is a one-page document that serves as an introduction to your resume. In this article, we will explore what a cover letter is and why it is an essential part of the job application process. A cover letter is a document that accompanies your resume and provides additional context for your qualifications, experience, and interest in the position you are applying for. When applying for a job, a well-written cover letter can be just as important as a strong resume. It’s a lightweight video editing app that can fulfill all your audio conversion needs. Well, Avidemux is a little bit different than all other programs on the list. Overall, Format Factory is an excellent audio converter software for Windows 11 that you can use today. The video and audio conversion speed is also super-fast, and it supports over 62 different languages. The video converter for PC supports almost all major video and audio file formats you can think of. Well, Format Factory is another excellent free video audio converter on the list that you can use on Windows 11. The program supports almost all major audio file formats, and it can convert your audio files to MP3, AAC, AC3, WMA, FLAC, Opus, M4A, OGG, WV, AIFF, and more.Īpart from that, Pazera Free Audio Extractor also supports a few video formats such as AVI, MP4, MOV, FLV, MKV, etc. Pazera Free Audio Extractor may not be a very popular option on the list, but it’s still one of the best audio converters you can use today. The program is free to use, and it’s known for its lossless audio converting options. Free Audio Converterįree Audio Converter from DVDVideoSoft is another best free audio converter tools on Windows.Ĭurrently, the audio converter for Windows supports all popular audio file formats such as aac, ac3, AIFF, ape, FLAC, m4a, m4b, mka, mp3, and more.įree Audio Converter claims to convert your audio files while maintaining their quality. The program is free to download and is among the best in the video converting section. The latest version of Movavi Video Converter can convert over 180 file formats.Īpart from converting the audio & video files, you can use this program to convert video into MP3 format.īesides that, Movavi Video Converter also supports photo conversion. Movavi Video Converter is a full-fledged video converter on the list that can also convert audio files. So, if you want to convert audio on the go and don’t want to install any third-party program, try Zamzar Audio Converter. The web tool will process your request and provide a new download link. You must open the website, upload the file, select the format, and click the Convert Now button. Zamzar Audio Converter is an online audio converter that supports almost all popular audio file formats. Zamzar Audio Converter is not software it’s an online tool that requires no installation. Apart from that, MediaHuman Audio Converter also has drag-and-drop support and batch audio file conversion. The user interface of MediaHuman Audio Converter is extremely lightweight and intuitive. It can help you convert WMA, AAC, WAV, FLAC, OGG, or Apple Lossless Format. MediaHuman Audio Converter may not be a top-rated program on the list, but it still gets things done. It can convert almost all non-protected audio formats, such as AAC, M4A, WMA, OGG, FLAC, WAV, AMR, AIFF, MP2, APE, DTS, AC3, VOC, and more.īesides the audio converting features, Freemake Audio Converter can extract audio from a video file. Guess what? Freemake Audio Converter can easily convert any audio file into 50+ different formats. Freemake Audio Converterįreemake Audio Converter is probably the best audio converter program available online. The good thing about VSDC Free Audio Converter is that it supports almost all major audio formats, including MP3, M4A, AAC, AMR, OGG, VOC, RM, WAV, AIFF, and more.Ĭonversion on VSDC Free Audio Converter employs a high-quality audio processing algorithm to ensure zero loss in quality. 2/24/2024 0 Comments Bandwidth vs speed testHis work has been covered by news websites like Digital Trends, Stacey on IoT, Daily Tech News Show, and USA Today.According to the latest proposals from the Federal Communications Commission, a good internet speed is a connection that gives you downloads of at least 100Mbps and uploads of at least 20Mbps. Josh has outfitted his house with a wide variety of smart gadgets, ran Ethernet cables everywhere, assembled Plex servers, and even built a smart mirror with just a frame, some electronics, a Raspberry Pi, and open-source code. He rooted Android phones and flashed custom ROMs on them gamed on all major consoles and with his PCs and built his own computers. During that time, Josh achieved a Microsoft Certified Professional (MCP) certification.Įven before working directly in Information Technology, Josh had a passion for technology. While working for Microsoft, he helped create a shared knowledge repository for all Microsoft employees repairing computers and developed a training process for catching new employees up to speed. He took apart laptops, troubleshooted the Windows operating system, fixed programs like Microsoft Outlook, and removed viruses from customers' laptops. Josh worked for Microsoft for several years, specializing in computer repair of both hardware and software. Josh also built and maintained PCs and servers for IDM, and was responsible for maintaining local and offline backups for the company. His years of project management experience included a focus on Linux and macOS applications and troubleshooting, giving him intimate professional knowledge of all three major desktop operating systems. Josh Hendrickson was the Editor-in-Chief of Review Geek and a former How-To Geek Staff Writer with over a decade of experience.īefore writing for How-To Geek, Josh did project management, quality assurance testing, and sysadmin work at IDM Computer Solutions, which makes the popular UltraEdit text editor. It's fine if you just want to brag about how great your ISP is (that's the idea), but it's bad for getting an idea of your real-world speeds. That means you'll get a faster result than you might with a Netflix or Google speed test. Their tests are optimized for ideal conditions, using servers close to you that are often maintained on the same ISP network you're testing from. However, you probably shouldn't rely on an ISP-generated speed test. Your ISP might also offer a speed test, like Comcast, Spectrum, or AT&T. The difference in server locations is why you likely see different speed results when trying different tests, like Ookla's, Netflix's, or Google's. In that scenario, your results may reflect a faster performance than your real-world usage. So, while your speed test may show incredibly fast streams, you might find that downloading a program is very slow if the server hosting the data is far away. Much of it is on computers far away-sometimes across the country or in another country. Businesses know that proximity makes a difference, and that's why some, like Netflix, use a content delivery network to bring the data closer to you.īut the entire internet isn't close to you. That proximity is an optimal situation, so the data doesn't have as far to travel. Often the closest server might be incredibly close-perhaps even in the same city. Speed tests sound simple, but it's much harder than it might seem to measure how fast your connection is accurately.Ĭonsider the first step of the process: choosing a test server. For instance, our local ISP offers a plan with a 500 Mbps download speed, but 125 Mbps upload speed. Usually, the download speed features prominently, but if you dig into the details, the ISP typically specifies a slower upload speed for each level. Measuring the latter two is essential because most ISPs make separate promises for download and upload speeds. But if you see 10 Mbps, then you're not getting what you pay for, and it's time to call your ISP.Ī Speed test measures your ping, and download and upload speeds. The catch is the promises your Internet Service Provider (ISP) makes nearly always include the phrase, "up to." This gives an ISP wiggle room-if it promised you "up to 30 Mbps," and you consistently only get 28 Mbps, then the company can say it's kept its promise. The service you connect to often limits your download and upload speeds based on the plan you chose, local congestion, any throttling rules it has, and so on. An internet speed test is the best way to get an idea of how fast your connection is right now. |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |