![]() ![]() (3) Calculate total expense in the budget year: IN Cell N16 enter =IF(SUM(B16:M16)=SUM(N10:N15), SUM(N10:N15), FALSE), and press the Enter key. (2) Calculate total expense of each item: In Cell N10 enter =SUM(B10:M10), and drag the Fill Handle to apply this formula to Range N11:N15. (1) Calculate total expense of each month: In Cell B16 enter =SUM(B10:B15), and drag the Fill Handle to apply this formula to Range C16:M16. Step 3: Calculate the total expense of every month and every items. (3) Calculate the total income in the budget year: in Cell N7 enter =IF(SUM(N4:N6)=SUM(B7:M7), SUM(N4:N6), FALSE), and press the Enter key. (2) Calculate total income of every item: In Cell N4 enter =SUM(B4:M4), then drag the Fill Handle to apply this formula to Range N5:N6. (1) Calculate total income per month: In Cell B7 enter =SUM(B4:B6), then drag the Fill Handle to apply this formula to Range C7:M7. Step 2: Enter your budget data of income and expenses into the table, and calculate the total incomes of every month and every item: Step 1: Prepare a table, and enter its row headers and column headers as following screen shot shown: The following steps will walk you through customizing a monthly budget template in Excel. All Rights Reserved.Although there are so many budget templates for downloading, you may still want to make a custom monthly budget template based on your needs. If you have any questions, feel free to send me a message through Etsy. * Due to the nature of the product, there are no refunds, exchanges, or cancellations. * FOR PERSONAL USE ONLY- files may not be shared, re-sold, or used commercially. * After your purchase is completed, you will get your Excel file. * For more detailed information on how to download a digital file on Etsy, click here: * Instructions on how to use the spreadsheet are included. Also, you can find your download under "Purchases and Reviews" on your Etsy account. You will receive an email with a link to download your file. * Downloads are available once your payment is confirmed. * To use the template, you will need Excel on your computer. ✓✓MONTHLY BUDGET CALENDAR Interactive calendar that updates with month and year! This will help you keep track of your expenses and stay on top of bills! ✓EXPENSE TRACKERS: use the expense trackers tab to record your variable expenses (groceries, entertainment, dining out, fuel, etc.) you incurred during the period. ✓INTERACTIVE CHARTS: these charts or graphs will help you understand how you distributed your income during the period. ✓MONTHLY BUDGET tab: Easy-to-use Monthly Budget dashboard including an easy way to track your bills (check off column included!) ✓INSTRUCTIONS tab : Easy-to-follow instructions and pictures on how to use your Simple Monthly Budget template. This Excel Monthly Budget Spreadsheet includes: ⭐️ If you don’t have Excel, use the Google Sheets version of this template found here: You can also customize your categories according to your needs and record all your monthly variable expenses in an expense tracker (included in this budget template)Įasy to Use! you only need Excel on your computer to start using this Budget template. The Excel Monthly Budget Spreadsheet will also allow you to track your bills, and stay on top of your savings and any debt. This Monthly Budget Template for Excel contains all you need and it will make budgeting easy.Īll calculations are done for you! All you need to do with this budget tracker is fill in your income, bills, expenses, savings, and debt payments. This monthly budget template is easy to use and it will help you track your monthly budget at home!Ī simple way to organize your finances with this simple monthly budget spreadsheet! Organize your finances with this Monthly Budget Spreadsheet Excel version ![]()
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![]() 1 Because I believe that, in the final analysis, all ideas must be subjected to rigorous research in real world settings, I have also summarized in this article major research studies that have been carried out in schools and classrooms that have used my work.Īlthough I was asked by the editor of this journal to reflect on my “theoretical contributions,” I have also taken the liberty of including some commentary about practical contributions. My approach will be to put forward three main sets of ideas that formed the rationale for my work over the past 25 years, discuss how this rationale has led to practical applications, to analyze some of things I would change or about which I have had second thoughts, and finally, to consider some areas where I might like to make additions to the major models. I also invite interested readers to share their reactions with me and to offer suggestions for possible research that might lead to modifications in the three major phases of my work discussed below. I made this request because I didn’t want to repeat large amounts of what has been written elsewhere, but rather point out how and why my theories evolved, how the theories led to practical applications that have gained popularity in the field, and how research has helped point the way toward modifications in theory and practice. One of the conditions for accepting this challenge of a presentation-and-critique format was that the persons whose commentary follows be asked to review the major theoretical papers that describe my thoughts about how we should identify and develop high levels of potential in young people. It is always a challenge to reflect upon one’s work from a perspective of more than two decades of intense involvement, especially if your reflections will be the subject of analysis by others who have also thought long and hard about the identification and development of human potential. The principal goal of education is to create men and women who are capable of doing new things, not simply repeating what other generations have done. ![]() ![]() ![]() Please visit our Illumination Requests page for more information on how to submit a special Niagara Falls lighting request. How to Submit Special Niagara Falls Lighting Requests The new lights also fill gaps to provide a more consistent lighting effect. These new lights provide more than twice the previous lighting levels, programmable lighting, and a wider spectrum of color. In 2016, almost 20 years since the last major investment in falls lighting, the existing Xenon lights were replaced with new, energy-efficient LED lighting technology. ![]() The mighty American and Canadian Horseshoe Falls will come alive every evening with this tribute to the natural beauty all around us. The new illumination display will feature color palettes and movements inspired by nature, including the sunrise, aurora borealis, rainbow and sunset. Waterfalls Sounds Download FREE Waterfalls sound effects Zapsplat Free waterfall sound effects (114) Free waterfall sound effects Rainforest waterfall, summer, distant cicada, kookaburra at 1m 20s, South Eastern Queensla. A schedule of upcoming special illuminations is shown below.Īs of November 14, 2020, the "Inspired by Nature" display will become part of the regular nightly illumination of the Falls, with the five-minute lighting display playing through three times on the half hour, beginning at 7:30 each evening, with additional shows at 8:30, 9:30, 10:30, and 11:30 pm. ![]() The falls are also lit in custom colors for short durations to mark significant dates in support of charitable causes. Throughout the year, Niagara Falls is illuminated for holidays and significant occasions, as determined by the Niagara Falls Illumination Board (NFIB). Together, these lights work to create a breathtaking view not to be missed, and are illuminated every night of the year beginning at dusk. Any reproduction or republication of all or part of this text/visual/audio is prohibited.Hundreds of LED lights are housed in three locations across the Niagara Gorge in Niagara Falls, Ontario. If you have significant difficulty sleeping on a regular basis, experience fitful/restless sleep, or feel tired during the day, please consult your physician. The sounds provided by Relaxing White Noise are for entertainment purposes only and are not a treatment for sleep disorders or tinnitus. If you have difficulty hearing or hear ringing in your ears, please immediately discontinue listening to the white noise sounds and consult an audiologist or your physician. Please do not place speakers right next to a baby’s ears. When playing one of our ambiences, if you cannot have a conversation over the sound without raising your voice, the sound may be too loud for your ears. Cheers to living your best life!ĭISCLAIMER: Remember that loud sounds can potentially damage your hearing. No need to buy a white noise machine when you can listen to these sounds for free. five-minute song format, to the extended 1-hour relaxation session. Faint sounds the tinkle of the waterfall, - What is the sudden answer you. This podcast has the sound for you whether you use white noise for studying, to soothe a colicky baby, to fall asleep or for simply enjoying a peaceful moment. Waterfalls are a natural source of white noise and are ideal for sleep and masking. But the leaves are beginning to fade in an hour, And they wither and die in. We couldn't be happier to help folks live better lives. People use white noise for sleeping, focus, sound masking or relaxation. With more than a billion views across YouTube and other platforms, we are excited to now share our popular ambient tracks on the Relaxing White Noise podcast. Relaxing White Noise is the number one destination on YouTube for white noise and nature sounds to help you sleep, study or soothe a baby. It also allows you to switch between apps while studying or working with no interruption in the ambient sound. Listening to our white noise sounds via the podcast gives you the freedom to lock your phone at night, keeping your bedroom dark as you fall asleep. This episode is eight hours long with no advertisements in the middle, so you can use it as a sleeping sound throughout the night. ![]() Thanks for supporting the podcast!īaloo Living Weighted Blankets (Use code 'relaxingwhitenoise10' for 10% off)Īt Relaxing White Noise, our goal is to help you sleep well. Here are some great products to help you sleep! Relaxing White Noise receives a small commission (at no additional cost to you) on purchases made through affiliate links. Nature provides stress relief and can help you relax as you immerse yourself in this 8-hour waterfall sound. The sound of a waterfall is perfect when needing to concentrate while studying or for covering up background sounds while sleeping. If you are looking for a sound to use while studying, relaxing, or sleeping, you might find this natural white noise as the most effective. Waterfalls produce one of the most powerful white noise sounds found in nature. ![]() ![]() ![]() The table below shows the credit points earned, classification awarded and premium reductions. Under Risk Rating 2.0: Equity in Action, the CRS discount is applied to the full-risk premium for all National Flood Insurance Program (NFIP) policies in the Regular Program in a participating community, including policies outside of the Special Flood Hazard Area (SFHA). Below, you will find five ways to file a claim. The CRS activities are organized in four categories: 5 Easy Ways to File a Claim with Wright Flood When a flood disaster strikes, the Wright Flood claims team is ready and prepared to help. Attorney Sarah Elizabeth Chibani added to party Wright National Flood Insurance Company(pty:dft). ![]() Our local claims office and adjusters are close by when you need. A Class 9 community receives a 5% discount for all policies, a Class 8 community receives a 10% discount, all the way to a Class 1 community, which receives a 45% premium discount.Ĭlassifications are based on the community’s CRS credit points obtained in 19 creditable activities. Filing 6 Defendant's MOTION to Dismiss 1 Complaint, Plaintiff's Claims for Attorneys' fees, Costs and Interest and Incorporated Memorandum of Law by Wright National Flood Insurance Company. In the event of a loss, you can count on Kentucky Farm Bureau Insurance to help you through it. A Class 10 community is not participating in the CRS and receives no discount. 1, 2023: PDF | Excel Discounts on Flood Insurance Premiums for CRS Communitiesįlood insurance premium discounts in CRS communities range from 5% to 45% and are discounted in increments of 5%. You can also preview the upcoming Community Rating System documents that list the communities becoming eligible effective Oct. Individuals desiring greater understanding of this data can find explanations in the CRS Coordinator's Manual.ĬRS Communities Credit File Future Participating Communities Sign in to manage your flood policy, make a payment, open a claim. The CRS Communities Credit File provides detailed data about the credit points each CRS community receives. To make a payment or open a claim without signing into your account, select the guest. Clients will appreciate being able to check the status of a claim via text particularly during prolonged power outages and claims submitted early using mobile technology are more likely to be paid expeditiously. Check status of one Claim Please contact your security adjuster at that phone number given if the claim be opened. April 2023 CRS Eligible Communities - Excel To reach Wright Flood claims processing to open a claim by phone Toll Free Phone 1.800.725.9472 Fax 1.877.270.4329 Business P.O. ![]() ![]() ![]() Sometimes, the link that the scammers send you can download malware. In 2021, statistics show that over 42 million Americans fell victim to identity theft. Stolen personal information can lead to identity theft. These websites usually mimic a trusted company or something that looks legit. Little do you know, it's a spoofed website for scammers to steal your information. ![]() It leads to a website that will ask for your personal information. The romance scammer will say you must set up an account using a link they sent. They might also ask you to buy cryptocurrency and hand over your crypto assets. ![]() They will build an online relationship with you and pressure you until you are convinced to join in the same investment. They will bait you by talking about how they have attained financial freedom through cryptocurrency investment and even send a made-up proof of its supposed 100% returns. Scammers build a persona of a successful businessperson. Crypto Romance Scams and PhishingĬrypto romance scams start with well-rehearsed scammers reaching you on dating apps, Whatsapp, or social media. Here are the three main dating scams you may encounter on the app: 1. Whatsapp scams surged by more than 2000% at the end of 2021. ![]() With Whatsapp users delivering roughly 100 billion messages and over 100 million voice calls daily, even if only a few scams work, it's already a big payout for any romance scammer. The platform's prominence makes it a ripe target for online dating scammers, a.k.a romance scammers. But other than that, Whatsapp is also a hotspot for finding potential love interests. They use it to stay in touch with friends and family. Most people using the app open it 23-25 times daily. Whatsapp is the world's third most used social platform, boasting popularity in over 100 countries.Ģ.2 billion active users spend a lot of time on Whatsapp. In this article, discover the different types of WhatsApp Dating scams and how you can avoid them. So how can you avoid becoming a statistic? If you are looking for love online, it’s best to know how to identify the types of scams and what you can do to avoid them. In 2022, nearly 70,000 people were conned by romance scammers and reported losses amounted to a staggering 1.3 billion. They leverage Whatsapp’s security method called end-to-end encryption technology, which makes it hard for regulators to detect and block scams. Scammers like to be on social messaging platforms that you usually use, like Whatsapp. However, this is actually a “Collect” request and once the seller scans the QR and enters the PIN, the buyer receives money.Roses are red Violets are blue your cyber sweetheart might be scamming you! You know when they say communication is key to a relationship? It is also true for online dating scammers. Then, they send a QR code to the seller on WhatsApp and ask them to scan the code to receive money. There have been several such cases reported in Gurugram and recently, the Cyberabad Police had issued a warning to citizens about QR code frauds.Īs per the above report, the scammers approach sellers listed on OLX, Justdial and other such portals and mention that they want to buy products from them. This scam involves the buyer sharing a QR code with the seller on WhatsApp and tricking them into sending them money. Now, a new type of scam has surfaced, in which the potential buyer scams the seller and takes their money. However, there has always been an element of risk involved while dealing with strangers and there have been several cases where the buyer takes the product without making the payment. Selling your products on reselling apps such as OLX and Quikr is quite easy and can be done in just a few minutes. ![]() ![]() if you're craving fresh air, step out onto the expansive deck that overlooks a picturesque valley, providing the ideal spot for morning coffee or evening gatherings. ![]() A cozy fireplace that sets the perfect ambiance for cozy nights. Step into a world of tranquility and natural beauty as you immerse yourself in the beautiful surroundings. Your dream home awaits!Įscape to your dream home in this home, boasting over 1400 sq ft on the main floor, situated on a. Transform this versatile space into a home office, entertainment area, or your personal fitness retreat the choice is yours! Don't miss your chance to own this extraordinary property! Contact us today to schedule a private tour and discover why this ranch is the perfect retreat for those seeking the ultimate blend of nature and privacy. Explore endless possibilities in the partial finished walkout basement. This property offers a remarkable feature a five-car garage! With a two-car detached garage, an additional single detached garage, and a two-car attached tandem garage, you'll have all the space you need to accommodate vehicles, storage, or even a workshop. Escape to your dream home in this home, boasting over 1400 sq ft on the main floor, situated on a. View a list of local businesses that accept white goods.UPDATE 401 Arnold Rd East Peoria, IL 61611 single family for sale, MLS#PA1242619. View a list of local businesses that accept propane tanks. Residents who have oil-based paint will have to keep it and wait for an EPA hazardous waste disposal event.
![]() ![]() The code is on the side not pictured.Ĭode cards are Pokémon Trading Card Game cards containing codes that can be used to redeem virtual cards or other virtual products for the Pokémon Trading Card Game Online and Pokémon TCG Live. The reverse of a code card released after TCG Live. Pokémon Brilliant Diamond and Shining Pearl.You can download the game to your desktop or laptop for free right here or at your tablet’s digital marketplace. The Pokémon Trading Card Game Online is out now and can be played on PC, Mac, Android Tablets and iPad. It could inspire loyal players to trade in their iPad and switch to an Android tablet for their next upgrade. If you leave out an important feature of the game that your rival platforms will allow, players will switch gears and choose to use your rival’s platforms. Up to this point, there have not been widespread reports of issues with code redemption on the iPad, this new Apple policy is in my opinion an enormous mistake. If you ask me Apple should reverse this decision immediately. I don’t blame The Pokémon Company at all for this decision as Apple has had a track list of dictating to developers what they will and will not allow on their digital marketplace, often to the detriment of the consumer. ![]() There’s no touchscreen support for the computer versions, but I still remember how to use a mouse, and that works fine. The computer interface is identical to the tablet version, barring the portability options offered by a tablet. I personally would recomend the PC or Mac option. So what can you do if you are an iPad player with some card codes you would like to redeem? I’m afraid you have no choice but to play the game on another platform. The Pokémon Company claims no credit at all for this policy change and say the decision was forced on them by Apple. However, I was extremely disheartened to discover that Apple forced The Pokémon Company to disable the online code redemption for the iPad version of the game. This latter option is how many players preferred to get new cards online, and since the official application launched on the iPad (with Retina screen) last year, it was a popular option. Online codes for digital cards can be obtained in physical game packs or through occasional promotional campaigns. Like with the physical TCG, players can purchase new card packs to improve their play decks. That’s right, trainers who choose the TCG can sign up for the game at the official Pokémon website and use their skills, experience and wits to play online against other TCG trainers from all over the world. The game can even be played online without ever needing to open up a physical card deck. The Pokémon Trading Card Game has become a phenomenon since it first launched. What better way to start than by giving an introduction to the incredibly popular Pokémon Trading Card Game! We are really busy over here on the site and now that we had the chance to publish today’s video content, we wanted to devote some time this weekend before E3 to talk about what’s going on in the Pokémon community. You Can’t Register Codes in Pokemon TCG Online for iPad JPosted by Maniac in Editorials. ![]() |
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