6/7/2023 0 Comments Personal budget line itemsMonthly household expenses may include an auto expense. Part of budgeting monthly expenses is tracking your spending for eating out and maybe setting a dollar limit to control that type of spending as well. Secondly, you will also need to consider food expenses for when you eat outside of the home. The family budget will need a plan for groceries. You can always look back at bank accounts to see what you are spending at the grocery store on a regular basis. Consider what the personal budget is for buying groceries for the home. How much should you spend on rent and utilities in the UK?Ī person has to eat, right? Your budget planner spreadsheet needs a line item in the monthly budget for this. ![]() Often, these are due annually so you may want to set aside a little each pay period to plan for those expenses when they do come around.Īs part of utilities and house bills, you should consider things like house maintenance and repairs as well as extra monthly household expenses like internet or phone bills. Your insurance and taxes may be part of your mortgage, so don’t forget to include these when calculating your monthly budget expenses. We just covered mortgage and rent, so now let’s consider average monthly expenses for things like utilities, insurance, taxes, and more. When you list monthly expenses, try to group things together on your income expenditure form. Every family budget needs to consider housing as an expense. When you list monthly expenses, your largest expense in the monthly budget is often going to be your housing. Alternatively, you can start by making a list of monthly expenses to refer to. ![]() ![]() You can use a budget planner spreadsheet or an income-expenditure form to help you here. Figuring Out Average Monthly Expensesįirst things first, we need to plan your average monthly expenses so that you know the non-negotiable items as well as the items and spending that you might be able to adjust. Let’s take a closer look at these expenses that should always be included in your budget. The key is to compare your monthly income to your monthly expenses and then sort through those to create a detailed plan for both spending and saving. Lucky for you, there are many great UK budgeting tools out there. Creating a budget can be a bit challenging but budgeting monthly expenses and creating a savings plan will help you be prepared for financial hurdles along the way.
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6/6/2023 0 Comments Jack pratt![]() This cookie is set by GDPR Cookie Consent plugin. The cookies is used to store the user consent for the cookies in the category "Necessary". The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional". The cookie is used to store the user consent for the cookies in the category "Analytics". ![]() The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Advertisement". These cookies ensure basic functionalities and security features of the website, anonymously. Necessary cookies are absolutely essential for the website to function properly. He received his MBA in Finance from Southern Methodist University in Dallas and is passionate about human rights. Jack graduated from the University of Notre Dame with a B.A. Jack currently maintains the FINRA Securities Industry Essentials (SIE®) Exam, in addition to the Series 7, 79 and 63 FINRA Registrations through MarshBerry Capital, LLC, the affiliated FINRA-registered Broker/Dealer of Marsh, Berry & Co., LLC. A Dallas, Texas native, Jack was awarded Best Insurance Professional by D Magazine in 2020.īefore joining MarshBerry, Jack held the positions of Director of Mergers and Acquisitions, DSM Mergers & Acquisitions, and Director of Business Development at Davidson Stewart Morelock Independent Insurance Group. He is responsible for conducting hands-on analysis, driving growth, and guaranteeing MarshBerry services are delivered effectively and efficiently. Jack oversees M&A and financial consulting projects, strategy development, and client relationships, ensuring principals have access to vital data and new growth opportunities. Jack’s years of successful team management and achievements in core areas such as risk analysis, mergers and acquisitions (M&A), and business development make him a valuable ally for MarshBerry clients. Jack Pratt joined MarshBerry in 2022 as a Vice President on the Financial Advisory Team. Producer Academy Contact Us Confirmation. 6/6/2023 0 Comments Amazon music unlimited cost![]() Where Spotify Premium excels is with its "Discover Weekly" feature, which suggests music based on your music preferences and listening history. Like the other two services on this list, Spotify Premium gives you the ability to play any song, both on-demand and offline. However, this type of availability seems to be working, as there are currently 180 million Spotify total users worldwide as of mid-2018. Though highly restrictive, this allows would-be subscribers to experience Spotify without paying a dime. Unlike Apple Music, Spotify offers a free plan that includes ads. New subscribers can try Apple Music free for three months, while Verizon Wireless customers can claim six months for free. Student plans are available at $4.99/month. A family plan, which is good for up to six people, is priced at $14.99/month. CostsĪn individual Apple Music plan costs $9.99/month or $99.99/year. ![]() If you're reading this article, it's likely Apple Music is available where you live. You can also stream Apple Music through CarPlay and Sonos systems and on Amazon Echo products.Īpple Music is available in over 100 countries around the world. It's also available through iTunes on Mac/PC and Android devices. Apple Music AvailabilityĪpple Music is available across all of Apple key products, including iOS devices, Apple TV, and Apple Watch. You can also watch music videos on Apple Music. There's also a "Chill Mix" and "Friends Mix." Each offers music based on listening history. Initially, these included a "New Music Mix" and "Favorite Mix." The former is similar to Spotify's popular "Discover Weekly" playlist. In late 2016, Apple Music began rolling out personalized music playlists. With the family plan, you and your family can stream music on up to six devices at the same time. Amazon also offers a family plan for $14.99/month or $149.99/year. You can save a little extra by paying $79/year upfront. CostsĪmazon Prime members can subscribe to Amazon Music Unlimited for $7.99/month, which is $2 off the standard monthly price. The service is also available in cars from Ford, BMW, and Mini.Īt the time of this writing, Amazon Music Unlimited is only available in the United States, United Kingdom, France, Germany, Austria, Spain, and Japan. Additionally, it works with home entertainment products such as Sonos, Roku, and Bose. For example, you can say "Alexa, play the Bird Box soundtrack" or "Alexa, play the latest album by JoJo." You can also try commands like "Alexa, play the most popular rock from the 80s" or "Alexa, play music for a dinner party." Amazon Music Unlimited AvailabilityĪmazon Music Unlimited is available on multiple platforms, including iOS, Android, macOS, Windows, Fire TV, Fire tablets, and on the web. Not surprisingly, Amazon Music Unlimited works with Amazon Alexa voice controls, found on devices such as the Echo, Dot, and Tap. Amazon Music Unlimited will almost certainly have the latest album from your favorite artist on the first day of its release. ![]() The best way to explain the difference between the two services (in addition to the library size) is how each handles new music releases. You also gain access to new genres and styles of music. A membership to Amazon Music Unlimited, by contrast, increases the number of songs available considerably. You also receive access to 1,000 playlists and stations programmed by Amazon's music experts. If you're an Amazon Prime member, you already have access to over 2 million songs at no additional cost. You can also download songs to your devices for offline use. Like other premium music streaming services, Amazon Music Unlimited allows you to listen to your favorite songs on-demand. Not to be confused with Amazon Music, Amazon Music Unlimited is a music streaming service that offers 50 million songs with new releases from today's most popular artists. 6/6/2023 0 Comments Bokeh lens mount![]() If you drop it, I’d be more worried about damaging the floor than the lens. In hand, I have no doubt that it could withstand nearly any punishment and given that previous generations of this lens have managed to last thirty plus years under heavy use, still functioning well, I have no doubt that this one could do the same. It is made out of a solid metal body, which presumably is pretty thick because it weighs more than lenses twice its size. The Helios 85mm certainly doesn’t disappoint: the thing is built like a tank. This lens is a specter of a different time, when sheer ruggedness was the bullish priority above all else. The Helios 85mm thrives in soft, beautiful, light. I’ve learned to avoid high-contrast situations as a rule. I’ve also noticed that the lens sometimes seems to almost flare from specular highlights, which can look quite odd in images. After receiving mine, I quickly purchased a lens hood for it, as it doesn’t come with one. Virtually any cross-light coming into the lens obliterates your images and creates effects that I’m not terribly keen on. The Helios 85mm flares like crazy - sometimes in very cool ways, other times in image-ruining, awful ways. Crop in post to achieve the desired composition. Below are two unedited images taken at f/1.5 and f/2 respectively.ĭepending on distance to background and aperture, the Helios 85mm’s bokeh ranges from the legendary swirling that it is known for to an interesting, almost painted, creamy look. The best way to ensure sharp images is to stop worrying about composing in camera and just always shoot with your subject dead center. Personally, I find the lens to have the best balance of bokeh and sharpness at about f/2.0. Wide open, this lens is fairly soft, though usable if you only need the very center of the frame to be sharp. Step outside those limitations and sharpness falls off like crazy. ![]() If you stop down the Helios 85mm and place your subject in the center of the frame, sharpness isn’t too bad. In late 2015, they finally started to find their way to being easily accessible in North America. Two of the Helios lenses have become legendary for their extremely characterful rendering of bokeh, the first being the relatively common 58mm f/2.0 and the second being the much rarer 85mm f/1.5, which ended up being used more in night vision devices than cameras, which made the few M42 mount versions of the lens quite expensive given the exotic beauty of their performance.Ī few years ago, in reaction to this demand, the Helios 40-2 85mm f/1.5 was updated for modern DSLR mounts and put back into production in Russia. Over the course of a few decades, dozens of Helios lenses variations were created, the majority designed for non-photographic uses. For best results, when using it in a tilting Lensbaby such as Lensbaby Composer Pro, photographers should shoot with Twist 60 pointed straight ahead.Many years ago, the Helios lens line was first born as a clone of sorts to port the legendary Zeiss Biotar lens formula into the M42 format that was used in the Soviet Union. Twist 60 Optic will also be sold separately for $179.95 for use with other Lensbaby Optic Swap System-compatible lenses. Twist 60 Optic for Lensbaby Optic Swap System Twist 60 lens is available for $279.95 from B&H Photo
6/6/2023 0 Comments Wowtv apkinstaller![]() * Sign up now to enjoy thousands of FREE full length videos. WOWtv™ is your unlimited source of Entertainment. Or you can do it other way: Let's say, you have downloaded the APK file of WOW TV APK Download Latest Version 2.5 Free on Google chrome or firefox browser on your phone.WOWtv MOD APK 2.5, 2.5 / Mod: Premium Unlocked Select the actual app through which you want to install the apk of WOW TV APK Download Latest Version 2.5 Free. For Android Oreo or later, clicking on Install unknown apps which will take you to a list of apps. For Android Nougat or lower version click on Unknown sources and enable that setting. To do that go to Settings and search the word unknown Enable app install from Unknown Sources to install apps from a third-party app other than Google Play Store.Install the Split APK installer app and then install the downloaded mod APK using that.First of all, download the WOW TV APK Download Latest Version 2.5 Free APK from the above download link.If so, uninstall that before installing this one. Make sure that there should not be any prior version of WOW TV APK Download Latest Version 2.5 Free apk already installed on your phone. How to Install WOW TV APK Download Latest Version 2.5 Free APK? Just click on the download WOW TV APK button to get it for free now. Whether you want to watch movies from India, or you want to stream documentaries from South Africa, you will get everything in the WOW TV free app. You can stream whatever you want in this app and that too in HD Quality. The WOW TV APK is one of the best app where you can watch full length movies, kids shows, sports channels, news, documentaries and other video stuff without paying a single penny. WOWtv™ is your unlimited source of Entertainment.Once installed, open the app, search favorite stuff and watch in HD Quality.Now make sure to click on “Next” button whenever it appears on screen.The smartphone will now ask for some permissions.Now go to download manager and click on downloaded APK file of WOW TV.After that, install Split APK on your smartphone before installing WOW TV App.Go to the smartphone settings and enable third party app installs.For hassle-free and quick installation, do give a read to below-mentioned 6 steps installation guide. You can see in the trending or popular section.Ĭlick on the WOW TV APK download latest version 2.5 button now to get it for free on your android smartphone. The developers add content on daily basis.It is one of the best app to watch full-length videos for free.You can share the links of favorite channels, movies, shows with your friends.Watch favorite movie or download it for later.You can install it on the non-rooted as well as on rooted devices without any hassle.It is a ready to go entertainment application. There is no need to register or create an account.You can stream movies, kids shows, songs, live sports, news and many other things.The WOW TV APK comes with more than 100 different entertainment channels.You can convert your ordinary smartphone into a cinema and can watch desired content with fellows and family members in HD Result. Apart from the huge database, it also offers to stream live sports and movies in HD Streaming quality. Just type the movie, song, channel or documentary name in the search bar and get relevant results. There is a search bar present at the top that will help you to get results within micro-seconds. The developers of WOW TV make sure to provide updated content to the valuable users. When it comes to kids content, you will be quite happy to know that WOW TV application also has a lot of cartoons, documentaries and other kids stuff in the database. It allows you to stream Bollywood, Hollywood, Telugu, South Asian, Dubbed and tons of other entertainment industries movies without charging a single penny from your pocket. The WOW TV APK is a one stop solution for those who want to enjoy movies, tv channels, cartoons, sports channels and other video related things on their smartphones. Please note that other Pearson websites and online products and services have their own separate privacy policies. This privacy notice provides an overview of our commitment to privacy and describes how we collect, protect, use and share personal information collected through this site. Pearson Education, Inc., 221 River Street, Hoboken, New Jersey 07030, (Pearson) presents this site to provide information about Adobe Press products and services that can be purchased through this site. All buyers of the book get full access to the Web Edition: a Web-based version of the complete ebook enhanced with video and interactive multiple-choice quizzes. The online companion files include all the necessary assets for readers to complete the projects featured in each chapter. In addition, three bonus online lessons give you more information on the basics of CSS and HTML and show you how to add HTML5 animation and video to your websites. A 14 th lesson in this book provides valuable hands-on experience with Dreamweaver’s new and improved tools for coders and developers that can vastly increase your productivity. Learn how to create webpages for the modern web use and customize web frameworks to build responsive designs for a wide variety of desktop computers and mobile devices with a minimum of hand coding incorporate graphics, and text add links to text and images add interactive elements to your sites, such as HTML5-compatible interactivity work with the latest HTML5 and CSS3 code and structures and publish a finished site to the web. The 13 project-based lessons in this book show users step by step the key techniques for working in Dreamweaver. All buyers of the book get full access to the Web Edition: a Web-based version of the complete ebook enhanced with video and interactive multiple-choice quizzes.Creative professionals seeking the fastest, easiest, most comprehensive way to learn Adobe Dreamweaver CC (2017 release) choose Adobe Dreamweaver CC Classroom in a Book (2017 release) from the best-selling series of hands-on software training workbooks from Adobe Press. ![]() ![]() ![]() ![]() A 14th lesson in this book provides valuable hands-on experience with Dreamweaver’s new and improved tools for coders and developers that can vastly increase your productivity. This is the eBook of the printed book and may not include any media, website access codes, or print supplements that may come packaged with the bound book.Ĭreative professionals seeking the fastest, easiest, most comprehensive way to learn Adobe Dreamweaver CC (2017 release) choose Adobe Dreamweaver CC Classroom in a Book (2017 release) from the best-selling series of hands-on software training workbooks from Adobe Press. 6/6/2023 0 Comments Memory clean up slow computer![]() If you still find yourself short on RAM, the next option is to try deleting your cache. If you’re not already, try using a browser like Chrome or Firefox, which are typically good browsers for memory management. Something else you can try is changing browsers, as some have been known to use more data than others. Older renditions of software and apps can take more memory to process, causing your computer to slow down. It’s important to be running the most updated versions of your computer software and applications. This can potentially clear out some processes and programs that are running behind the scenes, taking up your RAM storage. When you restart or turn off your computer, all of your RAM (stored data) will be wiped clean and programs will be rebooted. The first thing you can try to free up RAM is restarting your computer. Before you start removing programs from your computer, try these quick fixes to free up RAM space. It can be easy to use up your RAM because it supports so many functions. Depending on your computer, there are a few different ways you can free up RAM space. When you clear RAM space, it gives your computer the capability to carry out tasks. When you use up all of the available RAM memory, your computer’s performance can slow down because it doesn’t have the storage required to complete its tasks. Your computer uses the information it has stored in RAM to complete tasks while simultaneously receiving and performing other functions. RAM is the hub of storage for all active and running programs and processes. This where your computer stores short term data. Your computer’s Random Access Memory (RAM) is stored on a memory chip that is typically found on the motherboard. If you find that your computer’s applications are frequently crashing and it takes longer to do simple tasks, then you might be wondering how to free up RAM on your computer. When you use up all of the available RAM on your computer, you may notice that your device struggles to complete tasks. |