![]() ![]() Housel's book lays out the 20 "flaws, biases, and causes of bad behavior" that people have concerning money, and how these flaws can lead to bad financial outcomes.īeginning investors shouldn't think of this as a recipe for how to invest, but a means of sticking with whatever recipe you use to invest. Even the smartest person can make a lousy investor if they can't keep their emotions in check when the market takes a tumble. The second step to avoiding emotional biases: Reading Morgan Housel's The Psychology of Money.Īs Housel will tell you, successfully managing your money is less about how intelligent you are and a lot more about how you behave. Recognizing this is the first step to avoiding the emotional blunders – like panic selling or jumping onto the hot-stock bandwagon right before it derails – that so often thwart beginning investors. These feelings and perspectives can cloud people's understanding of finance and ultimately get between investors and long-term success. Most financial decisions aren't made by spreadsheets they're made by people, and people have emotions, biases and unique ways of viewing the world. Money management isn't as math-centric as you might believe. The Psychology of Money: Timeless Lessons on Wealth, Greed, and Happiness The end result was a book with language so simple that anyone – even his kids – could understand it. As Greenblatt says himself: His goal in writing the first edition of the book was to reduce the intimidation factor that stands between many people and investing. The Little Book That Still Beats the Market is an updated version of Greenblatt's classic original text, The Little Book that Beats the Market, published in 2005, which became a New York Times bestseller. ![]() So after sharing this formula, Greenblatt and team put together Magic Formula Investing, a free resource to readers that does the math and sources the data for you. In The Little Book that Still Beats the Market, Joel Greenblatt – founder of Gotham Capital, and managing principal and co-chief investment officer of its successor, Gotham Asset Management – shares his "magic formula" to help you outperform the market by buying good companies for bargain prices.īut a formula is only as good as the tools you have to implement it. The Little Book series is a collection of books wherein some of the brightest minds in finance share their investing wisdom. The Little Book That Still Beats the Market once you have your financial life in order, of course. But it also provides the steps to start investing. And that's the focus of the book: personal finance, with an emphasis on budgeting and saving for retirement. You have to learn how to manage your finances and build your relationship with money before you're ready to invest. "This book conveys similar touchpoints and is a great companion for anyone looking to start getting a better handle on their finances, especially given the unpredictable times we are in now." ![]() "I always tell my clients that your relationship with money should be a balance, something that is unique to you," Robertson says. Their book, also named The Financial Diet, was chosen as one of Real Simple's Most Inspiring Books for Graduates and is the perfect jumping-off point for beginning investors who are also just getting started in their careers, says ShirleyAnn Robertson, a Prudential financial advisor based in Schaumburg, Illinois. If anyone can make managing your money a fun exercise, it's The Financial Diet founders Chelsea Fagan and Lauren Ver Hage. Authors: Chelsea Fagan and Lauren Ver Hage.The Financial Diet: A Total Beginner's Guide to Getting Good with Money
0 Comments
![]() Note: You can't claim eligible expenses reimbursed from your Health Flexible Spending Account as a tax credit on your income tax return. It is your responsibility to ensure that expenses are eligible. Note: You may also file a claim by submitting a Claim Form and supporting documentation via fax or mail. You can also file claims through your online account by clicking the “File A Claim” button within the “I Want To” menu on the homepage of your online account. Determine 213(d) eligible expenses by using the eligible expense scanner and your phone’s camera.Report a card as lost or stolen to keep your account secure.Check your balance and view account activity.Get instant notifications on the status of your claims.Just use your phone’s camera to take a picture of documentation and upload it on the spot. Our app is the quickest and easiest method for filing claims and submitting documentation. You can file claims and submit documentation in seconds using the Benefits Mobile App. You can file a claim easily with: The Benefits Mobile App Review the Health FSA Summary Plan Description (PDF) and the DepCare FSA Summary Plan Description (PDF) for current annual minimum and maximum contribution limits.Only eligible expenses incurred after enrollment would be considered. Note: The effective date of enrollment is when the deduction comes out of salary. If currently enrolled and want to be a plan participant the following year, you must re-enroll during Open Enrollmentįor details, read the Summary Plan Description (PDF).To update family status information, log in to UCPath and navigate to Employee Actions > Health & Welfare > Life Events/Benefit Changes.If you have a qualified family status change.When you transfer to an eligible appointment.When you are first hired into an eligible position.Has worked 1,000 hours in a 12-month period.Is appointed to work at least 43.75% time (CORE eligible benefits employee).Is appointed by the university to work 100% time for 3 months or more (mid-level benefit eligible employee).Is appointed by the university to work at least 50% time for 1 year or more (full benefits eligible employee).You can participate in the Health Flexible Spending Account program if you are an active employee who: Expense is eligible if a physician recommends to treat a specific medical condition. While one could make the argument that taking daily multivitamins can help ward off future health problems, they generally fall outside IRS regulations for FSA eligibility as they are products used to support ones 'general health,' and not used to diagnose, cure, mitigate, treat or prevent a legitimate. The Health Flexible Spending Account is a voluntary program established under Internal Revenue Code (IRC) section 105 that lets you pay for eligible health care expenses not covered by your insurance through pre-tax salary reductions. Only in very limited circumstances would fees paid to a health club qualify. However, WageWorks will manage the grace period and run-out period for 2020 FSA participants until April 15, 2021.įind more information and forms on UCNet. Your 2021 FSA election and COBRA plans will be managed by Discovery Benefits. ![]() The existence of makeup templates and built-in Pre Sets.Over 400 samples and loops of various variations.On point, Ableton Live Registration Key delivers the expressive control and stability that innumerable performing artists have started to count upon. As Live manages to store what punctually, you also can play with hardware or application tools, activate loops, approach sound from various other musicians, and also give attention to generating tunes. Carry your songs from this studio and on the point, together with our living’s powerful overall performance workflows. But it supplies a help manual and also tutorials that are useful about ways best to start dealing with using this specific app. This tool arrives packaged using a profusion of dedicated parameters, or so the design may appear a little overwhelming in a very first glimpse. Therefore, a brand new three-band station EQ makes it simple to fix reduced, mid, and higher frequency ranges using a course. Additionally, about three internal plugins were inserted to extend: The wavetable synth also comprises wavetables in a person. The upgrade is free for most owners though it is just accessible as a beta to get the time being. However you begin your tunes, dwell provides a workflow that will aid get started. Shifting between detail perspective and also summary is becoming more eloquent, despite computer keyboard shortcuts. ![]() Ableton Live Crack With Patch Free Download HereĪbleton Live Keygen is the sole solution constructed for every phase of this musical procedure, from production to operation. Throughout generations, Ableton Live Torrentsupplies each one with the expert tools and studio compatibility needed to finish excellent endeavors. Utilize any MIDI components to receive hands-on with our living. Get heaps of Add Packs out of Ableton Live Crack or tens of thousands of community-built Max to get Live devices, results, and much more. Amazing! Have more noises, including controls, or personalize nearly all on how precisely Stay performs. Live Today admits curved automation motions along with combining numerous anchor details in S or C T curves. The semester perspective today tends to make it less difficult to gain access to clip modulations. ![]() Therefore, curves can be elongated or reversed, and worth is also entered with your computer keyboard.
The movie portrayed the cloak-and-dagger methods that Woodward and Deep Throat were said to have employed. In the film, Holbrook's shadowy, cigarette-smoking character would meet Redford in dark parking garages and provide clues about the scandal. The existence of Deep Throat, nicknamed for an X-rated movie of the early 1970s, was revealed in Woodward and Bernstein's best-selling book "All the President's Men."Ī hit movie starring Robert Redford as Woodward, Dustin Hoffman as Bernstein and Hal Holbrook as Deep Throat was made in 1976. But also, I think he wanted the truth out and make sure this information from the FBI wasn't suppressed." Kessler said Felt "had a possible motive – he wanted to be FBI director and that meant he had to get rid of Richard Nixon, because Nixon wasn't going to appoint him. ![]() A lot of the FBI agents I interviewed would tell me that some of the details of their investigations would show up in Woodward and Bernstein's articles the next day." I'm glad that we finally have the mystery solved."įormer Washington Post reporter Ronald Kessler, who has guessed in the past that Felt was Deep Throat, told CBS radio affiliate WTOP that Felt "was in the perfect position to be a source on Watergate. "We all sincerely hope the country will see him this way as well."įormer CBS News Correspondent Robert Pierpoint, who covered the White House during the Nixon administration, said, "Woodward and Bernstein were very careful, and obviously the guy who was Deep Throat did not want it to be revealed that he was the source until now. "The family believes that my grandfather, Mark Felt Sr., is a great American hero who went well above and beyond the call of duty at much risk to himself to save his country from a horrible injustice," a family statement read by grandson Nick Jones said. Equal Areas Problem: Shows the mathematical solution to the problem of finding the equal-area intersection of two circles, one centered on the cicumference of the other. A simple formula is presented along withĪ detailed derivation and discussion that can be downloaded. Elevation Angles: A thorough discussion on how objects (such as mountain peaks) can be seen over an observer’s horizon. Selected images, and my publication on the topic which can be downloaded. Included is a discussion of how these orbits are generated, some Quasi-stable orbits: These “orbits” are related to fractal geometry, namely the Mandelbrot set. Sleek billiards bar with bites & a large selection of beer & cocktails located in Koreatown, the heart of New York City. The 3D folded hexagram and its construction is presented along with various images of the a 3D folded hexagram itself. It has interesting symmetry and self-similar scaling properties. 3D Folded Hexagram: This is a geometric object that I discovered in the year 2000. ![]() A version of this research was presented as a poster at the 2015 IAU XXIX General Assembly in Honolulu Hawaii. The model yields insight into many o]f the characteristics of expansion including, light cones, the cosmological horizon, Hubble sphere, redshift, time dilation, and theĮvolution of proper distance. Modeling the expansion of the universe:This describes a visual model of the exapnding universe I have been working on for a number of years. I have recently fiinished a paper modeling the expansion of the universe. The title “HyperdimensionalSpace” comes from You can view the catagories by clicking on an item above. This site is ideas I have worked on or are working on. ![]() from W10 because of security issues, I am reluctant to make these changes. Twonky Server v8.2.1 and higher no longer contain the Twonky Thumbnail Utility (TTU) tool and does not support extracting thumbnails from video content. As I understand that Microsoft dropped SMB1 etc. The Twonky Server Interface and Settings are not supported by WD Technical Support. I do not understand what this means or how to do it. I do not really understand what that means but have also read “I’ve activated (SMB1, SMB2, SMB3) and (NTML V1 and NTML V2) and I’m able to add it to Sonos app). And you’ll not be able to use the OEM License of Western Digital, so you would need to purchase a License Key from Lynx Tech. I have also read that “The Sonos feature included in Twonky is not functionally supported. Hi, it is possible to update the Twonky Server, but then you would void your Guarantee because you would need to Access your Device via SSH. I did once set it on, but the required server restart failed (I am using a Windows 10 laptop to configure the Twonnky Server). This is because the text warns that the option prevents Windows Media Player running on the same machine, from sharing media. On the Twonky Server, the Sonos support option is OFF. The Sonos app sees the Music (Folders, Albums, Tracks) but says “an error occurred while adding tracks to the Queue (701). All works fine except the Music will not play on my Sonos Play1 via the Sonos app (Version: 13.3 OS:S2) loaded on my (Android) mobile devices. ![]() Twonky Server v8.2. All works fine except the Music will not play on my Sonos Play1 via the Sonos app (Version: 13.3 OS:S2) loaded on my (Android) mobile devices. The Twonky Server Interface and Settings are not supported by WD Technical Support. ![]() I have a Western Digital M圜loud EX2 Ultra hosting a Twonky Server (Version 8.5.2-5) to provide access to Pictures, Video and Music. I have a Western Digital M圜loud EX2 Ultra hosting a Twonky Server (Version 8.5.2-5) to provide access to Pictures, Video and Music. ![]() Windows XP, Windows Vista, Windows Vista 圆4, Windows 7, Windows 7 圆4, Windows 8, Windows 8 圆4, Windows 10, Windows 10 圆4, Windows 11Īdd Your Review or Windows Vista Compatibility Reportīreakaway Audio Enhancer 1.44. Effects: Gain, Fade In, Fade Out, Noise Reduction, Paragraphic EQ, Compressor, Normalize, Graphic EQ, Hard Limiter, Distortion. 6 KiB Width : 1 400 pixels Height : 1 400 pixels DownloadThe Crunge. Download links are directly from our mirrors or publisher's website, Sound Normalizer torrent files or shared files from rapidshare, I can download the tracks via free-mp3-download. Its even better with the Platform for easy installs and automatic updates. License key is illegal and prevent future development of wxMP3gain Portable can run from a cloud folder, external drive, or local folder without installing into Windows. Software piracy is theft, using crack, warez passwords, patches, serial numbers, registration codes, key generator, keymaker or keygen for Sound Normalizer ![]() Just upload your music and download the MP3 within. More about Sound Normalizer Since we added this software to our catalog in 2007, it has managed to reach 37,582 downloads, and last week it had 43 downloads. ![]() Categories: wav normalize, wav normalizer, wave normalizer, wav normalization, normalize wav, mp3 normalize, mp3 normalizer, mp3 normalizer, mp3 normalization, normalize mp3, normalize audio, volume normalization, volume normalizer Download Sound Normalizerīest Vista Download periodically updates pricing and software information of Sound Normalizer full version from the publisher,īut some information may be out-of-date. Convert your audio file to MP3 in high quality with this free online MP3 converter. Sound Normalizer is a nice, trial version Windows program, that belongs to the category Audio software with subcategory Organize and has been created by Kanz Software. ![]() ![]() Call us on the given number or drop an email to us. So without thinking anymore, take the conversation ahead with our experts and let them clear your doubts. We are capable of bearing your Plate-Loaded Pullover need from Khunti, Jebel Ali, Ariyalur. We offer premium quality Plate-Loaded Pullover in India at the most affordable price. We fabricate your order and deliver it to you. So make your order for an excellent Gym Weight, Leg Workout Machine, Weight Lifting Machine, and other products in India in a click. Nortus Fitness is one of the tremendous Plate-Loaded Pullover Suppliers In India, and we are here to supply the Plate-Loaded Pullover to every part of the world. A Call Away From You| Available Everywhere The first series of Nautilus machines were in fact plate loading. It was probably Arthur Jones, founder of MedX, who designed the original Nautilus Pullover Machine in the late 1970s. With two oversized loading points, it provides more resistance than traditional lat training methods. Work of MedX Founder - There may be some room for debate as to who developed the first commercially viable plate loading strength training piece. This quality makes us a renowned name in the domain. The Fettle Fitness Pullover is the perfect tool for training your lats. We are one of the leading Plate-Loaded Pullover Exporters In North Korea, Samastipur, Vasant Vihar, who is here to cater to your need for customized Plate-Loaded Pullover. We never compromise with the safety of our Plate-Loaded Pullover so keep an eye on every minute detail during the manufacturing process. Our highly trained and experienced professionals double-check the quality standard. We have a wide range of Exercise bikes, Crossfit Equipment, and Gym machines in India that are designed in various patterns. Why Is Our Plate-Loaded Pullover Leading The Industry? Our Plate-Loaded Pullover is designed with advanced technology and anti-corrosive materials to ensure their user-friendly design and longevity. We offer the notable Plate-Loaded Pullover in India that gives an enjoyable exercising experience to the customers. We ensure the quality and safety of our Plate-Loaded Pullover before delivering them to the end user. We have Treadmills, Weight Lifting machines, Gym Dumbbell, and whatnot in Hamilton, Dudley, Sangrur. Our Plate-Loaded Pullover in India improves your exercising experience and performance of the body. We are one of the trusted Plate-Loaded Pullover Manufacturers in India who manufactures every product with utmost precision using cut-edge tools and modern machinery. Nortus Fitness is one stop station for all your Gym Equipment related needs. From the one of a kind Hammer Strength Jammer to the Hammer Strength Shrug machine described by many as "the only one I will use" Hammer Strength keeps going strong and has maintained a product line that gym owners and thousands of other users to this date find to be the must have equipment line.Discover Our Latest Collection Of Plate-Loaded Pullover In India ![]() In the 1990's Life Fitness, seeing the popularity and quality of the brand acquired Hammer Strength and added it to their long list of over 400 quality Life Fitness equipment products sold worldwide. Hammer Strength was the creations of Gary Jones, son of the legendary fitness equipment manufacturer, Arthur Jones who began a little know company called Nautilus who also set many standards in the fitness equipment industry. Close attention to detail in isometrics and kinetic movements along with working with industry professionals like Dorian Yates (Creator of the Hammer Strength DY ROW) has established Hammer Strength as a leader and not a follower. Repeat steps 3-4 for as many repetitions as are desired. Allow gravity to slowly move your arms upward to the stretched, overhead position, inhaling throughout the movement. Pull the bar downward until it reaches your abdomen (or as far as it will go), exhaling throughout the movement. Hammer Strength is set apart from other companies by the durable heavy gauge 14 mm forged steel combined with the most commercial bearings made. Sit and grasp the bar overhead with an overhand grip. From the invention of the original Life Cycle to developing one of the toughest and most world renowned strength equipment lines in Hammer Strength, innovation came as second nature. ![]() Hammer Strength, A division of the Life Fitness franchise owned by the Brunswick Corporation has long set the standard for other equipment manufacturers to follow. ![]() Gearbox's latest big title is Tiny Tina's Wonderlands. The only reason it isn't higher on this list is that the game is a bit too short, and unless you're keen on replays you may feel a bit short-handed with this one. Super easy to pick up and play with a friend we highly recommend Teenage Mutant Ninja Turtles: Shredder's Revenge as the best 2-player beat-em-up game available right now on PS5. Shredder's Revenge boasts 7 playable characters each with their own unique abilities, 4 being obviously our turtles and then Casey Jones, April O'Neill and our faithful master Splinter. ![]() With the ability to play up to 6-player co-op, there are plenty of chaotic high jinks to be had with friends in this title. Teenage Mutant Ninja Turtles: Shredders Revenge brings the turtle back to their old-school retro style that I'm sure will tug at some nostalgia strings for those who grew up in the arcade. Teenage Mutant Ninja Turtles: Shredder's Revengeīeat-em-ups are a fantastic genre when it comes to 2-player games and when you combine the genre with a beloved franchise like the Teenage Mutant Ninja Turtles you've got a great recipe for success. Such talent only reinforced The Quarry ’s commitment to setting in the frights, all of which can be enjoyed as you try and survive the night in glorious local or online co-op.ħ. The likes of Disney’s Brenda Song and Modern Family’s Ariel Winter are joined by recognisable icons from horror cinema, including David Arquette (Scream) and Lance Henriksen (Aliens, The Terminator). Helping to bring this gruesome story to life is none other than a who’s who cast of Hollywood A-listers. Instead you will take turns controlling different characters, making decisions to try and keep them alive. It’s different to most 2 player PS5 games on this list in that co-op players don’t play at the same time. It’s an interactive, choose-your-own-adventure style experience that throws back to schlocky B-movie slashers in the best way, letting you control a group of teens trying to survive the night at a camp when suddenly something in the woods lurks. If you can stomach your horror and want a way to get scared on the couch with friends, look no further than the latest co-op release from Until Dawn and The Dark Pictures Anthology developer, The Quarry. Customise your own Knight and have fun with a friend… Gotham Knights is a better open-world superhero experience when played as a 2 player PS5 game. Batman might no longer be around but there’s plenty of variety found in this exclusive next-gen title, whether you want to compete in timed races, prevent bank heists, or come face-to-face with iconic Batman baddies like Harley Quinn, Mr. The entirety of the Gotham Knights campaign is fully playable in PS5 online co-op, truly making you feel like a superhero team up we’d usually expect to see from the comics. Players who prefer to play stealthily, meanwhile, will feel right at home with Robin, excellent for sneaking around before unleashing havoc up-close with his bo staff. Red Hood, for example, plays more like a brute, with his guns letting you safely take down enemies from afar (in addition to his mystic, Lazarus pit abilities). All four of Batman’s protégés have to pick up the cowl after the Dark Knight mysteriously dies, which is never a chore thanks to a generous suite of cool abilities unique to each. One of 2022’s biggest PS5 co-op game releases is none other than Gotham Knights, an entirely original story set in a different universe from the Arkham games that lets you and a buddy prowl the Gotham city streets as either Red Hood, Batgirl, Robin, or Nightwing. It’s another more natural looks that tends to suit everyone - although it’s a particularly great option for shorter nails as it doesn’t require much nail length to look good. ![]() This design follows the shape of your cuticles creating a softer, more rounded version of the square. They are ideal for people with long fingers and slim hands, as they prevent further lengthening and the risk of creating an over stretched appearance. Low maintenance and practical, square nails have straight, blunt edges to create a ‘square’ appearance. They are similar in shape to almond but with the exception that oval nails are filed to have a flat edge at the top. ![]() Particularly good if you’re self-conscious about only having small hands but still desire long nails. Giving the illusion of an extended nail and making hands look longer and slimmer, oval nails are the go-to nail shape for many manicures. Like rounded, almond nails looks natural and have the effect of making fingers appear longer. Almond nails are a long nail which tapers from the nail bed to produce a gently sculpted tip. And let’s not forget they are super practical for anyone with a particularly hands on job too, someone who needs a manicure that will look great but not slow them down or damage easily.ĭo you have short, wide fingers? Then this could be the shape for you. The rounded edges elongate the appearance of nails and help to slim down the hand. Probably the simplest of nail shapes, the rounded look is a classic and excellent for short nails with a wide nail bed. To help find your perfect match, the nail experts here at Semilac Shop, have picked out some of the most popular. A nail style that will enhance your fingers and flatter the natural shape of your hand. Yes, there are some lucky people who can shape there nails any which way and still look fabulous, but – for most of us – there is usually an ‘ideal’ worth trying to stick to. But whilst the colour of your gel nail polish can change to follow fashion, match your outfit, or even to suit your mood, nail shape is a different matter altogether. Now don’t get us wrong, we love a new nail trend as much as the next person (probably more!). ![]() But whilst you probably pick out a new nail colour every time you visit the beautician, do you mix up the shape of your nails? We love them! Taking nails from frumpy to fierce in less than an hour. |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |