![]() Lets us be far-sighted not forget emergency funds and any other high-end future investments you might want to make. These savings could also help you through a rough financial patch of your life. ![]() The 10% of your wages you put into savings will help sustain you when you are old and no longer able to work. This is where the Dave Ramsey Budget Percentages have your back. So, it’s hard to start planning for the next thirty years when we don’t even think farther than a few months. When we are young we tend to not be very far-sighted. Alternatively, if you use your own vehicle, then any money you spend on it will also be included in the 10% transportation budget.Īdditional expenses such as car servicing, oil changes, maintenance, and gas are all part of this budget as well. ![]() In case you use public transport, it will include your bus or train fare. Keep in mind transport includes any the money you spend on getting from one place to another. If you’re not commuting to your job, how will you earn in the first place? The reason behind this is the significance of transport in our daily lives. When it comes to transport the Dave Ramsey Budget Percentages have dedicated a good 10% to it. These basic requirements often tend to topple over the budget of most households. The 5-10% range describes how your utilities shouldn’t take over the maximum portion of your budget. These may include your landline, mobile phone bills as well as your internet connection. Some other utilities have become a necessity in our lives over time. The basic utilities that the average person requires in their home include gas, water, electricity. The utility portion includes all the services you use and pay bills for in your home. What Budget Categories Does Dave Ramsey Recommend? Utilities – 5-10% These are 11 budget categories that we will further look into in this post to help you understand how to start budgeting. One thing that needs to be added here is that the Dave Ramsey Budget Percentages are applied to your earnings after paying taxes.Īlthough your 401(k) contribution and health insurances can be unpaid before you apply them.īelow are the Dave Ramsey Budget Percentage recommendations that have made managing personal finances so easy: These percentages are simple and easy to follow, which is why they are perfect for newbies. By doing this and setting money aside at the beginning for different things, the chance of overspending in one area is minimum. ![]() The second factor is the following of a certain plan. To answer why Dave Ramsey Budget Percentages work, it’s because of the perfect balance that they have been set on. In these percentages, he has given an appropriate percentage of the amount of money you should be spending in different places. The Dave Ramsey Budget Percentages are a guideline toward managing your expenses by the finance guru himself. So let’s get into the Dave Ramsey Budget Percentages to see how one can best manage and create a budget. The best part about taking his advice is that it’s simple, for example, the 7 baby steps. He has used his struggle of getting out of bankruptcy and a huge debt to spread wisdom to the masses. Dave Ramsey from “The Ramsey Show” is primarily known for his astounding financial solutions. Nevertheless here is a brief intro for those who are new to the name. Anyone who is struggling with adulting, especially managing their finances, has heard of him and his success stories. Dave Ramsey is a well-known name in the finance sector. ![]()
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![]() eFuse: 1 Kbit (of which 256 bits are used for the system (MAC address and chip configuration) and the remaining 768 bits are reserved for customer applications, including Flash-Encryption and Chip-ID).RTC slow SRAM: 8KB (for co-processor accessing during deep-sleep mode).RTC fast SRAM: 8 KB (for data storage and main CPU during RTC Boot from the deep-sleep mode).SRAM: 520 KB (for data and instructions).ROM: 448 KB (for booting and core functions).Processor: Tensilica Xtensa Dual-Core 32-bit LX6 microprocessor, running at 160 or 240 MHz.Bluetooth: BLE (Bluetooth Low Energy) and Bluetooth Classic.Wireless connectivity WiFi: 150.0 Mbps data rate with HT40.If you want to get a bit more technical and specific, you can take a look at the following detailed specifications of the ESP32 (source: )-for more details, check the datasheet): Compatible with MicroPython: you can program the ESP32 with MicroPython firmware, which is a re-implementation of Python 3 targeted for microcontrollers and embedded systems.Compatible with the Arduino “programming language”: those that are already familiar with programming the Arduino board, you’ll be happy to know that they can program the ESP32 in the Arduino style.Rich peripheral input/output interface-the ESP32 supports a wide variety of input (read data from the outside world) and output (to send commands/signals to the outside world) peripherals like capacitive touch, ADCs, DACs, UART, SPI, I2C, PWM, and much more.Dual-core: most ESP32 are dual-core- they come with 2 Xtensa 32-bit LX6 microprocessors: core 0 and core 1. ![]() Bluetooth: the ESP32 supports Bluetooth classic and Bluetooth Low Energy (BLE)-which is useful for a wide variety of IoT applications. ![]()
![]() ![]() It can be worn for other reasons such as the design being aesthetically pleasing or simply an expression. The design can be worn to show pride in one’s culture or religion however it does not always represent this. The asymmetry of this body art is representative of these two different cultures. ![]() Hindus believe that elephants are symbols of power, prosperity, fertility, while Buddhists view them as symbols of peace and wisdom. Mandala Elephant TattooĪ Mandala elephant tattoo symbolizes the intertwining of two spiritual worlds Buddha and Hinduism. If you identify with these traditional values and feel a connection to the elephant, it might be the perfect tattoo design for you. In fact, in Hindu culture, Elephant god Ganesha is one of the most worshipped deities who blesses his followers with prosperity, fortune and good luck. In some cultures, elephants are very highly respected and revered animals that symbolize good luck and wisdom. It speaks about how much they care for each other’s feelings and how they would go through any length of trouble for their loved ones. This is a symbol of love and friendship, which shows that these mammals have a very strong bond with each other. One of the most common motifs in elephant tattoos is the one where two elephants are standing together with their trunks entwined. They feel compassion towards their young ones and even mourn for them when they die. What does an elephant tattoo mean? Research shows that as compared to other animals, elephants are sensitive and emotional beings. ![]() ![]() ![]() Start by asking your attendees to look at their completed wheels and say, "If this was your wheel of life, would it be a bumpy ride?".15 mins - REVIEW the Wheel in small groups.Top Tip: Remind your attendees to follow their gut and write down the first number they think of (not to increase their score because they think they should feel better!) Top Tip: Show people exactly where/how to draw the line and add each score to their wheel. Explain the 8 segments on the wheel and ask attendees to consider what satisfaction would feel like for each area, then to score their current level of satisfaction out of 10 for each area.Explain that the "Wheel of Life" Exercise is a great tool to check-in with how balanced their life is, and where it might be out of balance.5 mins - COMPLETE the Wheel of Life Template.This helps visual learners and makes people feel more involved. Top Tip: Use a whiteboard, flipchart or an online version where you can write down what people are saying. Ask how this perspective could help them? The key is to know whether you are moving towards or away from balance. Share that we don't 'achieve' balance (or at least not for long).It's also fun/interesting to ask, "So, when was the last time you felt your life was in balance?".Next ask attendees what balance might look like for them? How would they know when they are 'in balance'? How would it feel to be 'in balance'.Afterwards, ask one member of each group to share that back with the room.OPTIONAL (add 10 mins): put people into groups of 2-4 to discuss what balance is and what it feels like.Then ask attendees what they think balance is.Start by asking attendees how they feel when they are not in balance.Share your thoughts on why balance is so important-especially these days.10 mins - DISCUSS Balance with your attendees.IMPORTANT: Be sure to have permission to share a client's story, or create a "blended" story from several client experiences which has no identifying information. ![]() Or, if you have a story of a client you helped to achieve more balance and the results, this is great too! Then share a personal "teaching story" about your own experience with life balance.Start by welcoming attendees and introducing yourself and your business.5 mins - INTRODUCE yourself, your business, and why you think balance is so important.Then intersperse this information into the agenda below.įor everything you need to know about the Wheel of Life, check out The Complete Guide to the Wheel of Life here > How to Run a Workshop Using the Wheel of Life Agenda with Timings and Outline INTRODUCTION (total 5 mins) So, why not approach some local networking groups, companies, clubs or meet-up groups and ask if they're interested in you coming in to do a free inspirational workshop on how to have more life balance.Īnd when preparing to run a workshop using the Wheel of Life to talk about life balance, be sure to bring you-and your passion to it! Choose your key message about life balance, and 3 sub points you'd like to share that are unique to you. When you're just starting out, it can be hard to drum up interest in a workshop yourself. ![]() ![]() ![]() Only four cards can be in the free cells at any given time. You can move any playable card to one of the four free cells.For example, a 5 will go below a 6, Queen below King, and so on. Below each black card will need to be a red one, and it needs to be one rank lower. On the other hand, if you have 7 Hearts and a 6 of Diamonds, you cannot move the 6 on top of the 7 because they are the same color. For example, a playable 3 of Hearts can be moved on top of a 4 of Spades that is at the bottom of another tableau column. In the tableau, you can move a card on top of another playable card as long as it is of the opposite color and of a higher rank.If an Ace is playable, you can move it immediately to the foundation. In other words, you can move cards that have no cards on top of them. When you start the game, the cards that are available to play are the last cards in the tableau. ![]() In each foundation pile, you want to sequence cards from Ace to King by suit. Any playable card can be moved here to help you open up new cards to play and to sequence cards.įoundation: These are the four open areas on the top right of the game. The first 4 columns have 7 cards, and the last 4 columns have 6 cards.įree cells: These are the four open cells in the top left corner of the game. Tableau: This is where all 52 cards are placed face-up in 8 columns. ![]() Learn more with our instructional video.įor other popular solitaire games, try Spider Solitaire or classic online Solitaire. You do this by freeing up cards in the tableau by sequencing them and using four open cells where any playable card can be placed. What is FreeCell Solitaire?įreeCell is a variation of Solitaire where the goal is to move all 52 face-up cards to the foundation. You can also compete on our leaderboards by getting the lowest score based on the total number of moves and time. Play in full-screen mode or on your phone. Start playing unlimited games of FreeCell Solitaire. ![]() ![]() Sign in to your recovery account using the personal Microsoft account you used during the backup process. On your mobile device, open the Authenticator app, and select Begin recovery. This check is important so we can be sure we're not overwriting or erasing an existing account by mistake. For example, if you're recovering your personal Microsoft account, you must make sure you don't have a personal Microsoft account already set up in the authenticator app. You can recover your account credentials from your cloud account, but you must first make sure that the account you're recovering doesn't exist in the Authenticator app. ![]() Recover your account credentials on your new device Your account credentials are backed up to your cloud account. ![]() On your Android device, select Settings, select Backup, and then turn on Cloud backup. Your account credentials are backed up to your iCloud account. On your iOS device, select Settings, select Backup, and then turn on iCloud backup. Back up your account credentialsīefore you can back up your credentials, you must have:Ī personal Microsoft account to act as your recovery account.įor iOS only, you must have an iCloud account for the actual storage location. Your IT admin doesn't get any information about any of these accounts. We also don't associate or share your accounts in any way or with any other product or service. We don't store any other information associated with your accounts, including emails or files. Important: Only your personal and non-Microsoft account credentials are stored, which includes your username and the account verification code that's required to prove your identity. ![]() ![]() ![]() If you frequently travel and want to enhance your experience, the Platinum Card® from American Express could be a good fit. However, depending on how you’ll use your credit card, you may be able to earn more rewards with other cards that have an annual fee. Enrollment required.Įnjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card. Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. gas stations, on up to $6,000 per year, then 1%.Ĭash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at checkout. online retail purchases, on up to $6,000 per year, then 1%.ģ% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.ģ% Cash Back on U.S. After that, 19.24% to 29.99% variable APR.ģ% Cash Back at U.S. If you’d prefer to avoid an annual fee, the Blue Cash Everyday® Card from American Express might be a good choice for you.Įarn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.īalance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. ![]() To choose a card, consider how you want to use the card, your normal purchasing habits, and your lifestyle. Here are a couple of our featured picks: credit history if you are approved for a card and use it responsibly. ![]() However, specified personal information like an SSN and ITIN make it easier for credit bureaus to report information accurately.Īmerican Express also reports to all 3 major credit bureaus (Transunion, Experian and Equifax), so you should start building U.S. credit history.Įxperian and TransUnion will track and attempt to match your name, birth date, and address to your credit history. You can learn more about the application process in our guide.Īlso, you do NOT need a Social Security Number to start your U.S. You must have an SSN or an ITIN to apply. Even if you are not from one of these countries, Amex still accepts ITINs as part of their applications. You can learn more about the application process in our guide.Īmerican Express accepts foreign credit history from all of the following countries: Australia, Canada, India, Mexico, UK, Brazil, Dominican Republic, Kenya, Nigeria, Switzerland, South Korea, and the Philippines. credit history, this may prompt American Express to ask you to use your foreign credit history later in the application. Make sure to enter your ITIN in the field asking for your SSN and to check the box that says “I have had a credit card or loan in Australia, Brazil…” If you do not have sufficient U.S. ![]() If you do not yet have an SSN, American Express allows you to use your Individual Taxpayer Identification Number (ITIN) in the application for American Express Personal Card. If you are a newcomer to the U.S., an international student or another noncitizen without an SSN, American Express might have you covered. If you want a credit card without an SSN, here are some of the top options:Īpply for American Express credit cards without an SSN The key is knowing where to look and how to apply. Many financial institutions require an SSN on an application for a new account, so not having one can make it difficult to get a credit card, open a checking or savings account, or get a loan.įortunately, some banks and credit card issuers open up their applications to residents who do not have an SSN. financial system without a Social Security number. It can be difficult to take part in the U.S. ![]() ![]() ![]() This system must be installed in accordance with the National Electrical code (NFPA70), local codes, and the authorities having jurisdiction. Specifications Parameter Range/Description Voltage VDC, VAC Current and Add 20 ma for each alarm relay Environment Indoor and Outdoor Temperature Tolerance -20 F to 130 F Dimensions 4.5" H x 2.75" W x 0.60" D Main Relay (Form C) Alarm Relays: Alarm Shunt, Propped Door, Forced Door Relays (Form C) Contact Rating: Contact Rating: 30VAC/DC 24V AC/DC Document #, RevĤ Section3.U.L.Requirements The232ekeypadisaU.L.Listedaccesscontrolunit.Thissection contains information regarding all the requirements necessary to meet U.L. ![]() All e style keypads mount to any standard single-gang electrical box or directly to any wall. Each e style keypad contains illuminated clear keys that make operation in low-light situations easy and accurate. In addition, each e style keypad uses hardened keys to assure long-term, high-quality performance. The electronics for each e keypad are conformal coated in the manufacturing process in order to provide this level of application flexibility. All e style keypads are designed for both indoor and outdoor flush mount applications. Also, the 232e Keypad contains inputs for door monitor and REX. Features and Product Description 1.1 Features Flush Mount Indoor and Outdoor Use Keypad Programmable Self-Contained Single Door Access Control Functionality Illuminated Backlit Keys Keypress Feedback via Built-In Sounder Bi-Color Red/Green LED Indicates Relay Status Yellow LED Indicates Program Mode 120 Users 10 to 30 Volt DC Operation 12 to 24 Volt AC Operation 2AmpMainRelay Lock Release Output With Timer Alarm Zone Shunt Relay Propped Door Alarm Relay Forced Door Alarm Relay Remote Trigger Input (REX) 5-Year Warranty 1.2 Product Description The model 232e Keypad is designed for security and is perfect for self-contained access control featuresoutputrelays to release the door lock, to shunt an alarm zone, and to trigger both a propped or forced door alert. Requirements Specifications Mounting Wiring 5.1 Wire Harness Configuration 5.2 Wiring the 232e Keypad to a Maglock (Fail-Safe) 5.3 Wiring the 232e Keypad to an Electric Strike (Fail-Secure) 5.4 Shunting a Normally Closed Zone 5.5 Wiring Remote Trigger as Request to Exit (REX) Button and Door Contacts 5.6 Installing the Plug-On Relay Board 5.7 Wiring the Standalone Access Control Relays Testing the Keypad Programming 7.1 Programming Main Relay Time 7.2 Programming Users 7.3 Programming Keypad Options Troubleshooting Programming Mode Loopback Warranty Manual Revision Date: 05/16/03 Firmware Version: 1.0b Document #, RevĢ 1. 1 IEI 232e Standalone TM Keypad Installation/ Programming Manual Contents Section 1: Section 2: Section 3: Section 4: Section 5: Section 6: Section 7: Section 8: Section 9: Section 10: Features and Product Description 1.1 Features 1.2 Product Description U.L. ![]() ![]() ![]() Most Patch files have no options click Continue and Install until completion. Step 4: Install the Patch file to use Adobe 2024 on Mac for free. Easily organize all your photos on your desktop, and share in a variety of ways. Lightroom Classic gives you powerful one-click tools and advanced controls to make your photos look amazing. Adobe Lightroom Classic 2024 v13.0.1 + Crack (macOS).zip. Turn off the trial window and the running Adobe application. Edit and organize your photos with the app thats optimized for desktop. Adobe Lightroom Classic Download Links Direct Download Link. Don't hesitate to get Carbon Copy Cloner if you are in need of a backup solution for your Mac - you won't regret the decision. To make sure the application is completed, right-click on the running application on the Dock and select Quit. The Adobe Photoshop Lightroom mobile app lets you edit, organize, and enhance photos on your smartphone or tablet. ![]() Ultimately, he was able to identify the problem as being due to runaway crash reports from a faulty piece of software, and walk me through the steps necessary to get rid of the issue and assure a clean backup, and to give me some advice on next steps to deal with the disc replacement process. Over the course of three days, I exchanged a number of emails with Mike Bombich, who got back to me with analysis of my CCC log files within a few hours each time. But the thing that really makes me sing Bombich's praises is the quality of its customer support. The documentation is a model of clarity, and serves as an educational repository and resource on the philosophy of backup strategies that greatly enhances one's understanding of the product and its use. It does the job of providing a robust backup solution for your Mac in a clean, elegant manner. then check again and be very suspicious.I can't say enough good things about Bombich Software's Carbon Copy Cloner. ie, double check for an employee badge if contacted in the forums and look for an domain in the email address if you click reply to an email. The only fully-loaded photo editor integrated across macOS, Windows and iPad, Affinity Photo is the first choice of millions of professionals around the. Tweet if you're contacted by anyone (via email or private message), it's much more likely to be a scammer than an adobe representative. In the chat field (lower right), type AGENTīe patient, it can take quite a while to reach a human. As I hope you know, Adobe Master Collection CC 2021 (macOS) does not exist in nature, Adobe has never released it. Use a browser that allows popups and cookies, and click here, ** there are 2 ways to contact adobe chat and twitter: Feel free to post any comments about this torrent, including links to Subtitle, samples, screenshots, or any other relevant information. * most (but not all) adobe download links are available from. for versions newer than cc 2019 but older than one previous version, contact adobe support for links.** for versions cc 2019 and older, use prodesign *.ģ. Adobe Lightroom Classic is a complete package with top-notch photo-editing and organizing tools. other versions are revealed after clicking file preferences>apps>tick show older apps (at panel bottom).Ģ. you must have a subscription because previous versions are not available with trials. They give you instant access plus the ability to use your own download. Lightroom Classic is a family of image organization and image manipulation software that helps digital artists in editing, view, organize, import/save, and share large numbers of digital images. These links go to the authentic and secure files residing on Adobe’s servers, are guaranteed genuine, safe, legal, and will not change. Download Adobe Lightroom Classic 2024 for Mac full version program setup free. you can install the latest and 1 version prior versions using the cc desktop app. Adobe has just published an initial set of direct download links for the CC 2017 release, and you’ll find them in the table below. Install the last version compatible with your os.ġ. ![]() ![]() ![]() This one's suitable for houses where there's no glass door or window within at least 40 inches of the thumb turn. The lock will be inserted into the strike plate when it's turned. These have a keyhole on the outer side with a thumb turn on the inner side of the door. You will come across various types of deadbolt locks in the market, and you have to figure out which ones will be perfect for your use. So you will need to take some other measures for your house security. Although deadbolt locks are indeed pretty secure, they can still be picked and disassembled.The lock will not open quickly even from the inside unless you punch in the code or insert the correct key. If you have double cylinder locks, dealing with emergencies can become problematic.Deadbolt locks are less costly compared to smart locks while ensuring that your home security is not compromised.In fact, you can do the job yourself too. Despite the high security they offer, deadbolt locks are actually pretty easy to install.They are harder to pick and tamper, too, because the cylinder will not rotate easily. A deadbolt lock is not easy to break through as it's made from machined steel.You need to be aware of both their pros and cons to figure out if these locks will be a suitable choice for your property. What Are The Pros And Cons Of Deadbolt Locks?ĭeadbolts are definitely pretty secure, but that does not mean they don't have any drawbacks. This lock will only be opened when the cylinder is rotated correctly. Why do most people prefer deadbolt locks these days rather than traditional latch locks? Because the deadbolt's bolt does not use a spring! Typically, the spring of a traditional latch lock can be compressed and moved, which can unlock the door.īut this cannot happen in the case of a deadbolt. Why Is A Deadbolt Lock Better Than A Traditional Latch Lock? Remember, that if you put in the wrong code or key, the pins will not align, and hence the cylinder will not turn. When the correct key is used or the right access code is punched in, the pins align, and the door is unlocked. And there are springs on top of these pins that keep them aligned. The lock's cylinder comprises pins of various sizes. The deadbolt lock is unlocked either via a key or through an access code. Naturally, the lock has to be held together, which is what the connecting screws too. When the bolt is pulled away from the strike plate, the door unlocks. This will be installed on your door frame on the opposite side of the deadbolt. The shape of the lock is such that it's not easy to grip it with pliers or a wrench. This is the solid, round metal you see covering the lock's body which protects the lock from being picked or tampered with. If the deadbolt is not inserted into the strike plate, the door will open automatically. It's part of the lock placed into the strike plate, which keeps the door locked. When you turn the key or punch in the access code, the turn piece will move with the thumb-turner. This one's connected to the thumb-turner and extends into the exterior of the lock. Depending on the direction they are turned, the thumb-turns will keep the door locked and unlocked. These are present in single-cylinder deadbolts too. So let's find out more about the major parts of deadbolt lacks that make them a worthy choice for your home. Naturally, you wouldn't want to take any chances. After all, this is about your home security. We bet you want to know more about how these deadbolt locks work. Sounds interesting, right? What Are The Parts Of A Deadbolt Lock? Hence, they are called deadbolts because they are pretty much unmovable. ![]() So while spring latches can be pushed back manually, these ones can't. ![]() If you want to ramp up your home security, these offer you a pretty cost-effective solution.īecause they are dead! Yes, we are not exaggerating! As we have mentioned, these locks do not use a spring. These locks are heavier and thicker compared to standard spring latches and are made from steel or brass. What exactly is a deadbolt lock, and why do so many people prefer it? It's basically a lock bolt moved by either an access control system or by turning the key. So let's start with the obvious question. Yes, with deadbolt locks, you get the best of both worlds, convenience, and security! What's A Deadbolt? This is where a deadbolt lock can prove to be the perfect solution. But of course, you wouldn't want your convenience to be compromised either. You need something which will be more than capable of keeping unwanted visitors out. Home security is something that can never be taken lightly! And one of the first things you need to do to keep intruders at bay is to have your door locks reinforced. ![]() |
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