The Monthly Budget Total section at the top provides the difference in the overall income and the quick overview of your budget. Of course, this may not always be the case and some expenses can sometimes be unavoidable, in which case you can always look for other expenses that can be limited or eliminated. It helps to spot expenses in various categories where you might have overspent and potentially help you to prevent doing this again. Household Budget Planner lets you see the estimated and actual income and expenses side-by-side, which is very convenient, especially when you update your spreadsheet regularly. At the end of the month, when all actual Income and Expenses are recorded, the Household Budget Planner provides a detailed summary of where you stand financially. Updating the actual income and expense section regularly as incurred throughout a month ensures the accuracy of your budget and prevents from overspending. For example, this could be your accumulated savings during previous months. The starting balance is the money that you have at the beginning of your budget before you factor in any current or future income. In this section you should also enter your starting balance, whether it is positive or a negative amount. Predefined formulas in the "Monthly Budget Total" section are responsible for summarizing your budgeted and actual income and expenses. Categories are equipped with a row that calculates the "Total" for the group. In the income section you will need to enter your monthly income expected from each of your income sources. How to use the Household Monthly Budget Spreadsheetīegin by entering values in the Budget column of each category.
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Well, we’re adventurous, isn’t it?Soundhack delay trio can be downloaded from Soundhack’s home page. RTAS plugins require ProTools 7.0 or above. Make Noise Soundhack Tape Splice Sampler Granular Eurorack Module Summary Voltage control over all sound manipulation parameters STEREO I/O with Auto Input. They require OS X 10.4 and above, or Windows XP SP3 and above. The plugins come in RTAS, VST, AU formats for Mac and Windows. This is a collection of plugins that use the Soundhack phase vocoder and granular synthesis algorithms to stretch time, shift pitch and distort phase. The three plugins are +delay, which presents most typical delay options +pitchdelay, which is essentially the same plugin with controls oriented toward pitch shifting and finally +bubbler, which is a granular delay in which grains are pulled from the delay line with randomized start time, delay time and pitch shift. That is, small or large bits of sound (grains) are read from the delay, and are recombined before sending to the output and feedback. +bubbler is a granular delay in which grains are pulled from the delay line with randomized start time, delay time, reversal, panning. Pitch shifting is achieved with a dual head crossfading delay (ala Eltro Tempophon/Dennis Gabor/Pierre Schaeffer phonogene) and is decidedly low-fi. SoundHack +bubbler This is a granular delay. SoundHack Delay Bundle is a group of four plugins derived from the same basic delay algorithm: a hermite interpolated delay line with variable modulation, and a feedback loop with dc blocking and saturation. All of these are derived from the same basic delay algorithm: a hermite interpolated delay line with variable modulation, and a feedback loop with dc blocking and saturation. In his words: “This is a group of three plugins that I developed as class demonstrations while teaching computer music and studio technique at UC San Diego. We had a quick look at the manual, and as usual with Tom’s releases, it seems there’ something interesting in this case too. It can produce echoes, reverbs, cascading loops, bizarre synth tones, lush chorus, metallic flange, total protonic reversal, and chattery granulations. if anyone finds a bug or has a suggestion, drop me a line.” SoundHack and Make Noise's most recent collaboration is the Mimeophon: a Stereo Multizone Color Audio Repeater which provides easy access to all of the magical possibilities of delay lines. Tom says “its not quite out of beta, so for the adventurous only. Rearrange external samples or granularize live audio: countless techniques are readily available and accessible via voltage control. Tom Erbe, Soundhack‘s developer, has just released a beta version of a new mini-suite of plugs: it’s called Soundhack delay trio, and it’s freeware. More recently, Twitter is being encompassed as an augmented scholarly communication tool for formal and informal learning. Institutions of higher education, elementary and high schools, scholarly communities, as well as federal and state education agencies have actively embraced various social media platforms (Jordan, 2017 Wang, 2016). Besides using Twitter for entertainment and leisure, the platform is predominantly used for social interaction, information sharing, information seeking, self-documentation, and self-expression (Alhabash & Ma, 2017 Liu, Cheung, & Lee, 2010).Įven though social media platforms were not designed with the explicit purpose of supporting educational and other learning-related activities, their affordance for networking and content sharing have made them a natural fit for those purposes (Tess, 2013). 2019), elections (Vergeer & Hermans, 2013), and activism (Johri et al. Various aspects of Twitter practices has been researched in a number of domains including tourism (Sotiriadis & van Zyl, 2013), sports (Gibbs, O’Reilly, & Brunette, 2014), governance (Haro-de-Rosario, Sáez-Martín, & del Carmen Caba-Pérez, 2016), health information (Himelboim & Han, 2014 Malik et al. Furthermore, by features such as hashtags, mentions, and replies, users can network and dialog with other Twitter users (Steckenbiller, 2016). Twitter’s microblogging feature allows users to publish their ideas and opinions in “real-time messaging” format by writing tweets limited to certain number of characters (initially 140 but now up to 280). The study further points out that roughly one-quarter of online American adults use Twitter, with younger internet users being more active on Twitter when compared to older groups (Greenwood, Perrin, & Duggan, 2016). According to a recent study by Pew Research Center, Twitter is the fifth most popular social media platform among Americans. Recent statistics released by Twitter indicate that the network receives roughly 1 billion unique monthly visits and hosts around 313 million active users, with 82% being active mobile users (Twitter - Company, 2017). Twitter, which can be categorized as a specific form of social media activity – microblogging, was established in 2006 and is one of the prominent social media platforms (others include Facebook, Instagram, and Youtube) across the globe (Alhabash & Ma, 2017). Since their introduction around a decade ago, social media platforms and applications have become steadily popular among public and used widely for entertainment, socialization, and information seeking and sharing purposes (Dolan, Conduit, Fahy, & Goodman, 2016 Quan-Haase & Young, 2010 Malik et al. Finally, our analysis advocates for carrying out further empirical studies focusing on digital trace data and inference, particularly in the developing countries. Moreover, Twitter has the potential to enhance students’ learning capabilities as well as improve their motivation and engagement due to its unique features and non-traditional teaching approach. Students, teachers, and other stakeholders use it as a pedagogical tool to gain information, interact and engage with each other, participate in their respective communities of interests, and share their insights about specific topics. Analysis of these studies signals Twitter as a useful tool for communication due to high accessibility, novelty, and real-time format. The majority of the studies reported in the literature are descriptive case studies carried out with students in North American and European higher education settings. In this article, we present findings from a review of 103 peer-reviewed scientific studies published over the last decade (2007–2017) that address the use of Twitter for educational purposes across formal and informal settings. Subsequently, the body of research on this topic is vibrant and growing. The use of social media across the educational landscape is on the rise. However, sometimes it can be difficult to press the shutter button while taking a selfie, particularly if a person's hands are full. Taking a selfie on the iPhone is pretty straightforward and doesn't often require hands-free usage. Whether using a remote control, the self-timer, or Siri to help with hands-free iPhone photos, it can make a big difference in the shots that are possible. Third-party accessories like this can be a little troublesome to connect, but once a Bluetooth shutter is set up with an iPhone, it tends to work well. For those who don't own an Apple Watch, there are Bluetooth remotes that are compatible with an iPhone and some selfie sticks come with a Bluetooth remote shutter. Using a remote shutter is a really great way to get a better selfie or a group shot with the rear cameras. There are options to choose the front or rear camera, as well as use a self-timer from the Apple Watch. Tapping the shutter button on the Apple Watch takes and stores a photo on the iPhone, and sends a preview to the Apple Watch as well. Even if the iPhone is asleep, opening this app on the Apple Watch wakes the iPhone, opens the Camera app, and provides a preview on the Apple Watch's screen. With some extra setup, Apple's Voice Control can actually press the shutter as well.Īnother way to take a hands-free photo on iPhone is by using the Apple Watch's Camera Remote app. It's also quite handy to ask Siri to ' take a picture' or ' take a selfie.' The shutter button still needs to be pressed, but the Camera app is opened and switched to the front or rear camera. If you're not sure which activity level to choose, always go for a lower number. Extra active lifestyle (very hard exercise, physical job or sports 6-7 days/week): 2.0.Very active lifestyle (hard exercise or sports 4-5 days/week): 1.75.Moderately active lifestyle (moderate exercise or sports 2-3 days/week): 1.6.Slightly active lifestyle (light exercise or sports 1-2 days/week): 1.4.Sedentary lifestyle (little or no exercise): 1.2.It differs for men and women:īMR(men) = (10 × weight / 1kg + 6.25 × height / 1cm - 5 × age / 1 year + 5) kcal / dayīMR(women) = (10 × weight / 1kg + 6.25 × height / 1cm - 5 × age / 1 year - 161) kcal / dayĪfter you calculate your BMR, you need to multiply it by a factor corresponding to your physical activity level: It allows you to find your basal metabolic rate (BMR) – the amount of energy needed for your body to support only its basic vital functions. The calorie calculator is based on the Mifflin-St Jeor equation. Vitamins and nutrients – eggs are an excellent source of vitamins (A, D, E, K, B12), iron, folate, selenium, but also lutein and zeaxanthin (antioxidants that reduce your risk of eye diseases), and choline (essential brain nutrient).ĭo you now see that egg is one of Nature’s most nutrient-dense products? Don't forget to add a couple of eggs per week to your diet!.One or two eggs a day is healthy for most people. It's essential, in digestion, hormones production and muscle building, to name a few processes. To make it clear – our bodies need cholesterol, but in reasonable amounts. However, one medium egg has around 186 mg of cholesterol (62% of the recommended daily intake), and it contains both HDL ("good") and LDL("bad") cholesterol. Cholesterol – eggs have been demonized in the past for their high cholesterol content.Eggs are also a good source of healthy omega-3 fatty acids, which helps to protect your heart. Most of those fats are the "good" ones, crucial in a balanced diet.
A tower that turns enemies into barnyard animals! Collect all the Elite enemies to become the ultimate tower defense champion! Trenches, bridges, and tunnels add new dimensions to gameplay! Time Trial, Sudden Death, and Puzzle maps bring all new challenges to tower defense! Air strikes, mines, and powerful items so you can strike with the precision of a surgeon! Custom loadouts let you pick the perfect weapons for each battle! Gorgeous, hand painted, 2D graphics by award winning artists! Revolutionary AI - each enemy creates a dynamic, realistic path through the battlefield! Are you ready to stop the fieldrunners once and for all? Join the defense, now! Over 20 new levels span the grassiest fields, driest deserts, sparkling cities, and even an infernal volcano lair! Challenge your mind with the exciting new gameplay styles in Puzzle, Sudden Death, and Time Trial levels. Call in airstrikes and set explosive traps to hit the enemies where it hurts. Strategic-Action-Puzzle-Defense has never been this fun and addicting! Defend your world from the invasion by building winding paths out of imaginative, new weapons. Help your people by taking action - DEFEND THE WORLD! Or so they think! Our top scientists at SubaLabs have built a bleeding-edge arsenal of devastating weapons for any heroes willing to stop these dastardly invaders. The fieldrunners are back! With legions of soldiers and a gaggle of new tricks, they're ready to conquer the globe. Build epic mazes out of powerful weapons to defend the world from the invading fieldrunners! Total, complete, and utter trash.Get ready to DEFEND THE WORLD! The biggest sequel in tower defense history is finally available for Android phones and tablets: Fieldrunners 2 has arrived! From Subatomic Studios, creators of the award winning classic strategy game comes an all new adventure that was years in the making. This game should have never been released on PC, or anywhere. You created an enemy out of me, and I will make sure to track your company in the future purely to avoid your products and warn people about how much you suck. I- personally hate you, Subatomic Studios, for this game. It creates enemies out of your customers and generally makes people hate you. I get that the game sucks and grinds purely to drive microtransactions, but I rebel against this negative approach to game design. Who likes that? Maybe someone on mobile who has never seen a tower defense game, but even then only for the first hour or two. One of the earliest levels has 50, yes FIFTY equally boring and generic waves, most of which comprised identical looking enemies whose HP scaled invisibly up to the moon. There is no "next wave" button or indication of what the next wave comprises. The waves are seemingly endless, randomly thrown together without thought, and invisibly leveled in HP while still using the same models and animations, with no indication that the enemies are gaining massive amounts of HP. Beyond the simplistic mobile approach and total lack of creativity, competency, or imagination, the worst failing of Fieldrunners 2 is that it's built entirely around the worst TD grind mechanics you can imagine, and they're all hidden invisibly underneath a layer of flash/mobile simplicity. Clueless, greedy, incompetent mobile devs. Apparently you have to click on it, because if you hit ESC it instantly asks you if you want to quit the game. As far as I can tell there is no hotkey to instantly restart a level, or to bring up the normal ESC menu with the normal options. There are almost no options in the game for anything whatsoever. Seriously, I wonder if all the other products that this game rips off even realize it? For example I bet Valve doesn't realize that they stole the TF2 Heavy model and animations almost verbatim (plus the TF2 soldier model and anims, just to name two), and several other models and animations have been copied slavishly from other titles. The levels, characters, and art design are generic flash TD fodder and have not a single iota of verve, originality, or even competence. Generic cartoony graphics don't even attempt to hide the lack of originality or character (but still somehow the game has long load times even on 2500k 4ghz, GTX 780, 16gb DDR3, and SSD). Obviously aimed at mobile money markets with microtransactions removed for PC, this is definitely the worst tower defense game I've played in several years. Fieldrunners 2 is simply a terrible tower defense game in every single respect. Fieldrunners 2 is I only paid 2 dollars and 49 cents for this game, yet still I regret that I purchased this complete and utter shash. I only paid 2 dollars and 49 cents for this game, yet still I regret that I purchased this complete and utter shash. Apple stated that Safari can be run in 64-bit mode, which can increase rendering speed by up to 50%.īefore the release of Safari 6.0, it offered an inbuilt internet feed aggregator that was compatible with the RSS and Atom standards. Versions of Safari available with Mac OS X v10.6 (and later versions) are built to run on 64-bit architecture. As part of the Konqueror project, Apple has also released additional code under the open-source 2-clause BSD-like license. Similar to KHTML and KJS, WebCore and JavaScriptCore are open-source projects distributed under the GNU Lesser General Public License.Ī few Apple modifications to the KHTML code were later incorporated into Konqueror. WebKit comprises WebCore (based upon Konqueror's KHTML engine) and JavaScriptCore (originally built on the KDE JavaScript engine popularly known as KJS). It relied on WebKit from Apple for rendering websites and running JavaScript. Technology Preview System requirements and additional features In September 2021, it was classified as the second-most-used web browser, behind Google Chrome, with approximately 18.43 percent of the market globally and 38.88 percent in the United States. However, the Safari Developer Program, which gave members the right to create extensions that could be used with this internet browser, was offered for $99 per year. The OS was criticized for its attitude toward the distribution of software as well as its previous limitations on advertising blockers. As a result, at the Pwn2Own contest, held in 2008 at the CanSecWest security conference, Safari made Mac OS X one of the first operating systems to fail in a hacking contest. The 15th release (July 2021) is the most recent version with a new interface.Īpple employed a remotely updated blacklist of plug-in licenses to block potentially harmful or vulnerable plug-ins from operating on Safari. In addition, the 14th version, which was released in November 2020, was 50% faster than Google Chrome and used significantly less energy than competitors of the same type. The 13th version came with a variety of applications and security enhancements, including support for the FIDO2 security keys for USB, along with web Apple Pay support. The eleventh edition (September 2017) included assistance for intelligent tracking prevention. It was also the final version that was made available for use on Microsoft Windows. Version 5 (June 2010) included a more focused browser, page reader extensions, as well as developer tools. The Macintosh version was at the top of the line, with the most efficient browser performance at the time. The third version (January 2007) introduced compatibility with iOS devices via the iPhone through iPhone OS. 2m Suspension Chain & Tested shackle included.1.5m length H05 RNF Rubber Cable 3C 1.0mm.Fully PAT safety tested and ready for use. VAT £37.48 Each qty Collection Set Store. 5 coupon applied at checkout Save 5 with coupon. This fitting is pre-wired complete with PCE 16A In and out T-Connect plug socket to daisy chain to the next fitting. Wessex LED Twin Tripod Work Light IP65 110V 2x20W 2x2000lm £44.98 was £49.98 ex. TOPELER 6 Inch LED Disk Light, 15W Flush Mount Ceiling Light, Dimmable Low Profile Recessed Disc Light, Metal Baffle Trim Light Fixture for Home Improve, 1000LM 4000K Cool White, Pack of 1. Other beam angles, brightness's and colour temperatures are available on. Material Iron Lumens 6800LM Voltage 110-120V/220-240V Note The lamp body process of. Offering an impressive 50 000 hour lamp life this product is no maintenance energy saving solution to your lighting requirements. Check out LED Disk Ceiling Light from Shades of Light Disk Light. It is an excellent replacement for fluorescent sodium or metal halide lamps for a wide variety of industrial commercial sports retail and warehousing installations. We have a lux level calculator where we can design the fixture layout to give you your desired brightness evenly throughout your building. Do you want to use a set of these high bays to light up a workshop or warehouse and want to make sure you have the correct number of fixtures, then talk to us. 110 degree beam angle suitable all mounting heights and positions. This new 150w LED High Bay Disc Light 4000k is a robust high lumen output LED bay light. Springbok Lite Warehouse High Bay LED Light 150W - Ready to use with 16A Plug Download and Install Disk Drillĭisk Drill for Mac is a freemium data recovery app that includes a bunch of useful disk tools, including a free data shredder. The following step-by-step instructions explain how to shred files using Disk Drill’s free file shredder: Step 1. Using file shredding software is simple since all you typically need to do is to select the file or folder you want to delete and let the software do its job. Permanent Erase has been translated into eight languages, and it works with all recent versions of macOS.įile Shredders Review Summary □ Number of tested tools To securely shred a file using Permanent Eraser, you can simply drag the file onto the app’s Dock icon or right-click on it and select Services > Erase (the bonus Automator Actions and Finder plug-in is required). Permanent Eraser supports multiple secure deletion methods, including 3-pass DoE or 35-pass Gutmann algorithms, so it can be recommended even to organizations that are required to comply with various regulatory standards. Mac users can download this open source file shredder free of charge directly from its home website, Edenwaith. There are many reasons why Permanent Eraser is the best file shredder for Mac, and its simplicity and performance are among them. The top 10 best file shredders listed below have received many positive reviews from Mac users who depend on them on a daily basis, and we’ve personally verified that the files deleted with them can’t be recovered using any data recovery software. The last thing you want is to select a Mac file shredder that doesn’t do what it’s supposed to do, providing you with a false sense of security. For such users, overwriting deleted files just once with a stream of zeros is more than enough to make their recovery impossible, and that’s something even free file shredding tools can do. Secure file deletion standards like the DoD 5220.22-M are important when it comes to compliance, but regular Mac users don’t need to worry about them.
Now HMI measures builders' opinion on the relative level of current and future single-family home sales, with a reading of above 50 indicating a favorable outlook on home sales. housing market has continued, with the National Association of Home Builders Housing Market Index ("HMI") latest reading of 84 being up 1 point from last month's 83. The competitionįirst, providing a glimpse on the industry, despite the second wave of COVID-19 cases, the resilience of the U.S. As a matter of fact, in less than a month since launching, Rocket " had tens of thousands of consumers visiting the directory and clicking through to contact a broker".Īt this stage, for those interested to invest, it becomes important to identify any competitive threats. Subsequently, that directory was promoted with a Super Bowl advert, generating tremendous interest. Strikingly, profitability has been strongest during the last three quarters when EBITDA margins averaged 67%, in an environment characterized by reduction in the use of paper.Īlso, the growth should continue as in late January, the company launched a directory of nearly every broker in the country on. Thus, the business has generated sales using relatively lower operating costs, signifying substantial operating leverage. Looking at the bottom-line, Rocket's platform is highly efficient as it has generated 62.7% of EBITDA margins (non-adjusted). The executives view this evolution similar to Amazon's (NASDAQ: AMZN) past decision to open up its marketplace to third-party sellers in addition to selling directly to customers.Ĭonsequently, in the same way as Amazon, the proprietary Rocket platform has the capacity to process millions of transactions a year with the partner network bringing growth and diversification to the business. Thus, partner volume made up 38% of closed loan volume in 2020, up from 23% just two years ago. This ability to thrive on partnerships has been paying dividends. For this matter, Rocket also uses influencer marketing tools. In the Partner Network segment, Rocket continuously aligns its brand with partners who use its platform to provide their clients with differentiated mortgage solutions. In the Direct to Consumer segment, there is interaction directly with clients using various performance marketing channels. The company operates through two segments: Direct to Consumer and Partner Network. It also provides end-to-end visibility into transactions. It also uses analytics to provide clients with real-time quotes and access to mortgage calculators to help them choose the right solutions to support their financial goals. Rocket’s business model has much more to it than just rapidly processing mortgages. In order to provide investors with more insights about the mortgage play, I start with an analysis of the business model. The reason is that this is a misunderstood stock with the last two SA analysts being bearish back in January and February this year. However, the share price did not follow suite, with the one-year returns being only 1.58%. In other words, the company was well placed when the coronavirus struck and its revenues started to increase rapidly as from the second quarter of the year.įigure 1: Trailing total revenues evolution. More importantly, it is not COVID which forcefully had the company to change course, but its digital transformation journey started in 1998, a time when most companies were still wondering how to advertise using the internet. Through its Rocket Mortgage app, used to apply for a housing loan, interact with company's staff and upload as well as sign documents electronically, it has revolutionized the mortgage approval process. Even if Rocket Companies ( NYSE: RKT) won't place a satellite into orbit or take someone to the moon, its online mortgage platform definitely has more of rocket science appeal. |