7/13/2023 0 Comments Net worth of upper middle class![]() ![]() More from Invest In You Financial expert: Here's how to stay on track while paying down debt A financial expert shares the 3 most common questions they heard over the last year Nearly 40% of women are considering scaling back or leaving the workforce-here's how that can affect their retirement savings Thanks to stimulus payments and reduced spending, some Americans actually increased their savings levels during the pandemic. Not everyone's finances were negatively impacted by the global health and economic crisis. It's also worth noting that to be considered part of the top 1%, households need a net worth of over $11 million. households was much lower, just $121,700 in 2019. households had an average net worth of $748,800, according to The Federal Reserve's 2019 Survey of Consumer Finances. The median, or midpoint, net worth of all U.S. ![]() Still, even before the pandemic affected employment, most Americans had nowhere near a net worth of $1.9 million. About 1 in 5 say they were laid off or furloughed, while about 26% report their salary was cut or their hours were reduced.Ī drop in income can impact net worth, which is essentially a calculation of all of a person's assets - including cash in checking and savings accounts, financial investments and the value of any real estate or vehicles owned - minus all their debt, including credit card balances, student loans and mortgages. Over half of Schwab's 1,000 survey respondents, 53%, reported that they were financially impacted in some way by the pandemic. The drop in the net worth expectations could be due to the Covid-19 pandemic, according to Schwab. ![]()
0 Comments
7/13/2023 0 Comments Dia de los muertos crown![]() ![]() If you have a bilingual classroom, why not make a multicultural craft that involves Halloween AND Dia de Muertos in the same project? These skull-looking pumpkins are a great way to marry both holidays in the same craft. Wait a minute… are there any preschool teachers with enough extra budget to buy ROCKS?Ĭheck out the tutorial on Red Ted Art. If your kids can’t find smooth rocks lying around, you can get a bag from Amazon. See the step-by-step instructions at Color Made Happy. If you don’t want to use plants because children give you enough beings to keep alive, you can also put a small veladora or tea light. Sugar Skull Craft – Painted Flower Potsĭay of the Dead-ify a bunch of tiny flower pots to decorate your Día de Muertos shrine. Even if the book they are reading doesn’t belong to their household, seeing their own bookmarks in the books can give the kids a sense of ownership to keep reading.įollow the tutorial to make these Day of the dead themed bookmarks over Red Ted Art. DIY Day of the Dead BookmarksĪ good way to encourage children to read more is to let them make their own bookmars. ![]() In the picture above you can see the skull puppet I made which is supposed to look like one of my favourite Mexican artists who happens to be dead. The template includes print-ready accesories such as hair flowers and a sombrero to make unique calaveras. The best thing about this paper puppet is that each child can put it together as crazy as they want. ? Paper Frida Kahlo made by teacher using the printable puppet template by publicación compartida por Early Childhood ? Box of Ideas el 29 de Sep de 2018 a las 8:06 PDT A moon later, Kahlo hopped back to her bed, looked at her reflection and said: -“Much better”. The artist fiercely grabbed a paintbrush and started to work her magic on her new skeletal body. Frida hopped with her only leg along the petals path and she arrived to her beloved art studio. It was probably Diego who scattered them there. She jumped out of the mattres and felt a bunch of cempasuchil flower’s petals under her foot. “Wait a second…” She thought -“AM I…PLAIN?”. Instead she saw a pale skeleton staring back at her. The face she saw was not that of the woman she had seen every morning since she placed that mirror above her bed so many years ago. They are so simple to make that you can quickly make enough luminaires for every ancester your children have had all the way back to the Flinstones Age. Make these luminaires to light up your ofrendas of Día de Muertos. You might also like this activity: Bugs and Nature Stamp Art 5. ![]() Don’t you also get tiny bits of joy when you feel dry puffy paint with your fingers? Ooooh yeah. ![]() The fact that you decorate them using puffy paint makes them a complete sensory experience that continues after the paint is dry. These calorie-free sugar skulls look great indoors and outdoors. Cyber-Punk Preschool Teacher Costume? Anybody? …ok.Ĭheck out the tutorial for this mask over Arty Crafty Kids. If you run out of ideas for a halloween costume you can always let the kids do your make-up with these pens. These skulls use neon pens to get that “glowy” effect that I bet your craftiest kids will go nuts for. If you haven’t used black glue with your children, what better time to do it than around Halloween or Day of the Dead celebrations? You can either buy it on Amazon or make your own following the tutorial over I Heart Crafty Things. Do you like Frida Kahlo?Ĭheck out the Frida Kahlo Sugar Skull version of our Day of The Dead kids craft. Get the printable from my TpT shop to get extra designs and a skull’s templateįind the sugar skull template here with several designs to start your craft. These adorable Día de Muertos Skulls come with a free printable template of the eyes for the sugar skull that you can easily cut and paste into a paper plate to then decorate with your favourite craft materials. I’ve put together this list of simple craft projects that young children can make to celebrate Mexican Día de Muertos this November (or end of October, if you want to pair it up with Halloween celebrations). Please refer to my disclaimer page for more info. This will not only bring creativity to their ideas as they grow up but also can help to develop a sense of diverse community and tolerance that is much needed in our modern world. As a Mexican preschool teacher working in the UK, I find it very important to share my culture with our children because they are developing in a global society and we can all benefit from more exposure to different cultures and traditions than the ones we experience at home. ![]() 7/13/2023 0 Comments Packers 2022 roster![]() ![]() ![]() Toughest stretch of the season: Weeks 10 to 14 Packers GM Brian Gutekunst and coach Matt LaFleur will learn whether the drama of the past three years was worth it come September. Rodgers has also raved about Love’s improvements in practices when it comes to fundamentals. The 6'4", 219-pound Love possesses athleticism and a strong arm, and he flashed in his 10 snaps against the Eagles last season. With tension high amid a losing season, the Packers finally decided to move on from Rodgers, trading him to the Jets to officially begin the Love Era. Technically, this gamble has been three years in the making-ever since the Packers drafted Love in the first round of the 2020 draft, straining their relationship with Rodgers (who answered by delivering back-to-back MVP seasons). But the Packers’ 2022 hopes fall on the shoulders of Love.īiggest gamble this offseason: Favoring Love over Rodgers The Packers selected wide receiver Jayden Reed and tight ends Luke Musgrave and Tucker Kraft during Day 2 of this year’s draft.ĭynamic running back Aaron Jones is back, and wide receiver Christian Watson could ascend in his second season as a No. (Green Bay selected linebacker Quay Walker and defensive lineman Devonte Wyatt last year, edge rusher Rashan Gary in 2019 and defensive lineman Lukas Van Ness in April.)īut the unit was still disappointing last season-and this year, it will need to find chemistry to help the offense, which features plenty of inexperienced players, especially pass catchers. The defense is filled with former Pro Bowlers and All-Pros (cornerback Jaire Alexander, defensive tackle Kenny Clark and linebacker De’Vondre Campbell), as well as recent first-round picks. Green Bay Press Gazette/USA TODAY Network (left) Mark Hoffman/Milwaukee Journal Sentinel/USA TODAY Network (center) Jeff Hanisch/USA TODAY Sports (right) The Packers will open the season with a game on the road against their rival Bears. But their roster is built to compete now, so they might be a surprise team in 2022. Sure, the Packers could struggle without Rodgers, one of the greatest quarterbacks of all time. That’s higher than the Bears (+360), who won three games last season. Green Bay is expected to finish fourth in the NFC North, with +415 odds to win the division, according to SI Sportsbook. ![]() Not many are giving the Packers a chance this season as they transition from Aaron Rodgers to Jordan Love at starting quarterback. To get us through the offseason, we’ll be taking a closer look at every team in the league, in order of projected 2023 win totals. ![]() 7/13/2023 0 Comments S22 geekbench score![]() So if your image is simply a blurry mess, no amount of software tinkering is going to rescue it. It didn't seem to make that much difference to others, however. I tried it on a handful of older photos from my library and the difference can be noticeable, with the definition improving significantly in some shots after the tool has done its magic. The Photo Unblur tool actually worked quite well in this selfie from several years ago. It's taken some glorious shots on my test photo walks around autumnal Leith, Scotland, with vivid blue skies being captured perfectly and tons of detail recorded by that high-resolution sensor. Sure, Samsung's 10x optical zoom is longer, but I actually find that the 5x optical zoom on the Pixel to be a real 'zoom sweet spot' for me that I actually find myself wanting to use much more often. It even performed well against the Galaxy S22 Ultra. It put up a seriously strong fight against the iPhone 14 Pro, often delivering better-looking colors than Apple's flagship could achieve. In my time testing the phone so far I've been really impressed at the images it's been able to take. It's grouped up with a dedicated 48-megapixel telephoto lens that's exclusive to the Pro, and a 12-megapixel ultrawide camera. The Pixel 7 Pro's 50-megapixel main camera takes stunning photos, with beautiful dynamic range and vivid colors. The cameras on the Pixel 6 Pro were superb, capable of taking gorgeous images that rivaled any of the top phones around and I'm pleased to see that Google hasn't lost its touch here. In Apple’s case, it’s clear that the A15 Bionic chip is still a leader in both performance and efficiency.įor more on the latest Galaxy S22 lineup, check out our colleagues over at 9to5Google.Pixel 7 Pro: Superb cameras, with welcome upgrades During the benchmark testing, the Galaxy S22 Ultra reportedly “quickly became warm, and as soon as it became warm it returned much lower results.”Īs always it’s important to keep in mind that benchmark results don’t tell the full story, but they can serve as a good indicator of year-over-year improvements and other performance trends. The testing also notes that there could be some heating and performance throttling issues plaguing Samsung’s Galaxy S22 series. But the iPhone 13 Pro Max got double any Samsung model’s score, as we’ve seen in the past, because of the differences between Apple’s Safari browser and the Google Chrome browser on Android phones. On Basemark Web, a comprehensive web benchmark, the Galaxy S22 series scored about 8% better than the Galaxy S21 Ultra. Meanwhile, in web benchmarking using Basemark Web, PCMag tests found that the Galaxy S22 series performed 8% better than last year, but the iPhone 13 Pro Max still doubled the Samsung score: On the GFXBench graphics benchmark, we saw an improvement of 20% or more depending on circumstances. We saw a 13% rise in Geekbench single-core scores and a 9% rise in Geekbench multi-core scores. ![]() There is definitely improvement from last year’s Snapdragon 888 to this year’s Snapdragon 8 Gen 1. PCMag notes that this is a noticeable improvement for Qualcomm over last year’s Snapdragon 888, but it’s still not enough to catch up to Apple. ![]() On the flip side, the iPhone 13 Pro Max scored 4647 in multi-core tests, 1735 in single-core testing, and 948 in machine learning tests. In Geekbench 5 tests, the Galaxy S22 Ultra, which is powered by Qualcomm’s Snapdragon 8 Gen 1 processor, scored 3433 in multi-core testing, 1232 in single-core testing, and 448 in machine learning testing. While PCMag notes that the Galaxy S22 is the “most powerful Android phone” it’s tested so far, its benchmark results still fall behind the iPhone 13 Pro and iPhone 13 Pro Max. New benchmarks conducted by PCMagindicate that Samsung’s latest Galaxy S22 still can’t keep up with the A15 Bionic chip in the iPhone 13 Pro. Apple continues to show its chip prowess not only in the latest Apple Silicon-powered Macs, but also in the iPhone. ![]() ![]() ![]() Let's take the verb 'play' as an example: Positive (of 'play') I play. ![]() It's just the verb with an extra 's' if the subject is 'he', 'she', or 'it'. I have used the words debit for negative and credit for positive as that is the norm. With all other verbs, we make the present simple in the same way. ![]()
7/13/2023 0 Comments Bsg deadlock pcm unlock![]() Fleet officers will provide less of a bonus to stances from Commander difficulty. Admiral: Cylon forces will be numerous, and income will be poor.There will be more roaming fleets, and these fleets will grow in strength roughly at the same pace of yours. The AI is not much more difficult, but reduced resources means you must be more cautious with your ships. Commander: A slightly more challenging version of Lieutenant, and overall the starting point for most players.Side missions begin with a 5 turn countdown. With the Economic boost provided by Daidalos, this can be as high as 57. A fortified colony can provide upwards of 48 Tylium per turn. While challenging when first starting out, it is easy to build and keep momentum. Large Cylon fleets will be mostly absent, and you will continue to encounter large amounts of escorts even late game. Lieutenant: Provided you aren't careless with the Daidalos or your ships, completing all the campaign missions will be very straightforward.The campaign is available in four difficulties: For the tactical layer, see the Gameplay page. This page will discuss the strategic layer - what is done in between battles. The Broken Alliance DLC adds additional missions and content to the default campaign.įollowing these, in chronological order, are Operation Anabasis the Sin and Sacrifice campaign, the Resurrection campaign, and the Ghost Fleet campaign. There are currently three campaigns available. ![]() ![]() The pistol form factor is what makes the K-8025 so much smaller when compare to the Barnett Recruit, and while this does mean the range of the bow takes a bit of a hit, it’s still got plenty of power and is much better equipped when shooting at shorter distances than a full-sized crossbow. If you’re looking for a crossbow that’s a bit more compact and better suited for close-quarter situations, the Cobra System K-8025 Self Cocking Pistol Tactical Crossbow is a fantastic choice that is certainly worth taking a look at. Cobra System K-8025 Self Cocking Pistol Tactical Crossbow The somewhat compact size means that women and teenagers alike should be able to handle the Recruit with ease, and the adjustable butt stock makes it possible to get the perfect grip and aim while using the bow.īarnett advises that you wax the string about every 10 shots or so, and while this might be difficult to strictly follow if you find yourself in a dangerous situation where you need to fire off quite a few arrows in one setting, it’s important to try and stick by this rule as often as you can if you want to keep the Recruit in tiptop shape for as long as possible.Ģ. The overall draw weight of the unit is 130-pounds, and there’s the ability to easily integrate a crank cocking device if you’d like to make use of one. This is quickly turning into one of the most popular crossbows around, and after taking a look at everything this tool has to offer, it’s no surprise as to why so many people are using it. Barnett Recruit Compound Crossbow Packageīarnett is the maker of the first crossbow on this list, and the exact name of it is the Recruit Compound Crossbow Package. ![]() This is a guide dedicated to explaining the best self-defense crossbows and nothing else, and with that said, here’s what we found.ġ. If you’re looking for a discussion on the compound bow vs crossbow ark debate, you won’t find that here. ![]() In this guide, we’re going to be breaking down 5 of the best crossbows that you can currently purchase and looking into everything they bring to the table. Just what constitutes a crossbow as the best of the best? The answer to that question comes with a lot of variables, including your budget, desired features, range, and a lot more. Having a durable weapon at your side that you can use to protect you and your loved ones is one of the most important things to have as a prepper, and one of our favorite choices for this is the best crossbow for self defense. ![]() Although surviving in the wilderness or during the apocalypse requires a certain skill set and know-how, it’s also safe to say that certain tools and/or weapons are necessary to stay as safe and secure as possible when sh*t hits the fan. ![]() 7/13/2023 0 Comments Nanosaur 2 download![]() ![]() When the installation is finished you should be able to see and run the program. ![]()
7/13/2023 0 Comments 24 hour tim hortons near me![]() Several of the stores host special events. You will notice that several of the stores will adjust hours during the holidays. The stores are open 24 hours a day, 7 days a week. You will need to use the store locator tool to reach out to the customer service department for specific hours of operation during the holidays. Weekends: The restaurants are open 24 hours a day, Saturday and Sunday.Weekdays: Although several of the restaurants operate on different hours, typically the stores are open 24 hours a day.You can also contact your local store for assistance during regular business hours. If you need to connect with the customer service department, you can do so by phone, email, traditional mail or through social media. The company started selling donuts and recently started selling breakfast items. View the M&T Digital Services Agreement for additional details.Tim Horton’s is coffee shop started in Ontario, Canada in the early 1960’s. Fees may apply for optional services provided through M&T Online Banking. Your mobile carrier's text messaging and data charges may apply. M&T Bank reserves the right to suspend service for any reason at any time. M&T Bank is not responsible for matters that are outside of its reasonable control that might impact availability and functionality. Subject to availability and the same limitations as any service available through the Internet. Use of these features and services requires Internet and/or data access through a computer or mobile device. If any discrepancy arises as a result of our efforts to serve you in your preferred language, the terms and conditions within M&T Bank’s various English language service Agreements and account terms will be used and prevail over other language translations.īased on Greenwich Associates 2021 Small Business Banking Excellence Awards.Īccording to statistics released by the Small Business Administration (SBA) for total approved loans through the SBA’s 7(a) lending program during the fiscal year ending 9/30/21. These communications may include, but are not limited to, brochures, flyers, account agreements, account statements and disclosures, changes in terms or fees or any servicing of your accounts. Future verbal and written communications from the bank may be in English only. Please contact an M&T representative for full details.Īn employee may not be available during all business hours to speak to you in the language indicated. After an account is opened or service begins, it is subject to its features, conditions and terms, which are subject to change at any time in accordance with applicable laws and agreements. Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are subject to change at any time without notice. Contact us today to learn more about how we can help you achieve your financial goals. We're here to help you every step of the way - from finding the products and services that meet your financial needs to notifying you of offers and opportunities that may give you better returns. ![]() Through M&T Bank’s 1,000 branches and 1,700 ATM’s, we're committed to serving the way you bank today, while helping you build financial security for the future. We offer a range of products and services tailored to meet the unique needs of businesses of all sizes. Whether you're starting a new business, expanding your existing one, or just need help managing your finances, our M&T Business Banking Specialists can help. In addition to personal banking, we also offer commercial and small business solutions. We'll guide you through the process, answer any questions you may have, and help you find the terms and rates that fit your needs. Whether you're opening a checking or savings account, applying for a mortgage, home equity line of credit, or auto loan, or selecting a credit card that's right for you, we're here to help. Your personal banker is your go-to resource for all your financial needs. ![]() Be sure to check our hours of operation or use our branch ATMs, available 24/7 for your convenience. Come see us at our South Transit branch, located at 5737 South Transit Road in Lockport, NY. ![]() 7/13/2023 0 Comments Nova southeastern![]() ![]() Many hospitals and health care facilities now require, at minimum, a bachelor’s degree, and our interdisciplinary program will pave an efficient and effective path. It has a total undergraduate enrollment of 6,637 (fall 2021), its setting is. ![]() Department of Education’s criteria as a Hispanic-serving institution.įrom our beautiful, 314-acre main campus in Fort Lauderdale to our nine campus locations in the U.S., and around the world, more than 280 undergraduate, graduate, and professional degree programs give students the edge they need to become confident, capable, and caring professionals who can outsmart, outperform, and outlast their competition. With the health care field changing rapidly, Nova Southeastern University will prepare you to be on the cutting edge of the profession and provide you with the tools for success. Nova Southeastern University is a private institution that was founded in 1964. NSU is also the largest private, not-for-profit institution in the United States that meets the U.S. Student Financial Assistance Nova Southeastern University Horvitz Admin. Classified as a research university with “high research activity” by the Carnegie Foundation for the Advancement of Teaching, NSU is 1 of only 50 universities nationwide to also be awarded Carnegie’s Community Engagement Classification. Things to do near Nova, Fort Lauderdale on Tripadvisor: Read traveler reviews of the best places to visit & must-see attractions near Nova Southeastern. Know Nova Southeastern University all BSN programs admission process & Apply via. For any additional information, please contact Arena Director, Jose Lopez, via email () or phone ( 95 ). We’re not like every other university because you’re not like any other student.Įstablished in Fort Lauderdale, Florida, in 1964 as a small college with some revolutionary ideas, today we’re a university dedicated to making our world a healthier and better place to live. Check Nova Southeastern University BSN Courses fees, eligibility, application process & ranking. NOTE: For all media requests, please contact Nova Southeastern Manager of Athletic Communications, Jon Leatherman, via email () or cell phone (95). Division of Research and Economic DevelopmentĪt Nova Southeastern University, our approach to learning has always been innovative and unique. ![]() |