8/13/2023 0 Comments Personal budget templatesThis free spreadsheet includes our very popular budgeting guidelines so that you have an idea about how your spending compares to that of other Canadians with similar sized households. There’s no such thing as a “normal” budget, but based on tens of thousands of credit counselling appointments, we’ve been able to create Canadian guidelines for how people will generally want to spend their after-tax income to avoid getting into debt.Įveryone allocates their money for personal or household expenses and savings a bit differently. What Does a Normal Personal or Household Budget Look Like?īudgeting and money management guidelines for after-tax income and to avoid debt Easy to use with more personalized expense categories than other similar templates.If you want to reduce your expenses, it can suggest dozens of places where you could consider reducing your expenses to save money.Identifies common budgeting pitfalls and offers tips and solutions to fix them.Keeps a running tally of how much you’re planning to spend versus your income.Drop down menus let you tell it whether each expense occurs weekly, monthly, annually, etc.Stand-alone Excel or Open Office file keeps your information private on your own computer.Clear graphs, dollar values and percentages so that you can adjust things as you go.This allows you to compare your spending to what's "normal" Provides guidelines for how much to spend in each category of your budget.Simple, helpful graphs let you see your monthly spending in a whole new way (just in case you're not a numbers person).User-friendly, even if you don’t really know how to use Excel.A calculator spreadsheet that is smart and interactive, to guide you through the budgeting process.Our free budgeting worksheet will help you manage your money better. You can also download the calculator spreadsheet on the Mac and open it in Numbers:ĭownload Mac version as Numbers Spreadsheet (.numbers) File If you don't have Microsoft Excel, you can download OpenOffice for free and then download the file below:ĭownload Open Office Spreadsheet (.ods) File If you have doubts about how much to spend on certain expenses, aren’t sure if you did your budget right, or want help planning your monthly budget so that you can manage money better, this is the free Excel budget calculator spreadsheet to download now! ( the Mac version works great too)įeatures of Our Free Budget Worksheet and Calculatorĭownload Microsoft Office Excel 2007 Worksheet (.xlsx) Fileĭownload Microsoft Office Excel 97-2003 Worksheet (.xls) File Many people put off creating a household budget because they think that they don’t really know how to budget. To make budgeting easier for you and your spouse, family or household, we’ve created an intelligent, interactive Canadian budget calculator spreadsheet in Excel that you can download and use for free as your personal budget template (it's now available on the Mac too). Free Interactive Budget Calculator Spreadsheet for Canadians – Easy to Use Excel Template to Help You Create a Personal Budget
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8/13/2023 0 Comments Bloons 6 bloon typesIn which case the work will be marked as NSFW or could be removed.Īfter watching ISAB's video on a "1 tower CHIMPS" ( ), I was inspired to make this list of towers/upgrades that can pop every bloon type (sorry if this list has already been made, but I haven't seen one on here).
8/13/2023 0 Comments Internal vector borne transmissionParasites Vectors 10(1), A16 (2016a)Īlho, A.M., Cruz, L., Coelho, A., et al.: Aberrant laryngeal location of Onchocerca lupi in a dog. Īlho, A.M., Cortes, H., Lopes, A.P., et al.: Detection of Dirofilaria immitis antigen in red foxes ( Vulpes vulpes) from Portugal. Faculdade de Medicina Veterinária, Universidade de Lisboa, 25 July 2017, 227 pp., Lisbon (2017a). Formatex Research Center (2010)Īlho, A.M.: Dirofilaria immitis and Angiostrongylus vasorum: epidemiology and impact of major heartworms in carnivores in Portugal. (eds.) Microscopy: Science, Technology, Applications and Education, vol. 181(3), 343–344 (2008)Īlexandre-Pires, G., Ramilo, D., Diaz, S., et al.: Investigating morphological structures of Culicoides from Obsoletus complex by using Scanning Electron Microscopy and Composed Optical Microscopy. 2(2), 119–122 (2011)Īlexandre, N., Santos, A.S., Núncio, M.S., et al.: Detection of Ehrlichia canis by polymerase chain reaction in dogs from Portugal. 138(3–4), 179–85 (2006)Īlexandre, N., Santos, A.S., Bacellar, F., et al.: Detection of Rickettsia conorii strains in Portuguese dogs ( Canis familiaris). KeywordsĪktas, M., Altay, K., Dumanli, N.: A molecular survey of bovine Theileria parasites among apparently healthy cattle and with a note on the distribution of ticks in eastern Turkey. Ultimately, a national Dirofilaria immitis and Angiostrongylus vasorum epidemiological update is given while diagnosis and treatment options are debated. A national overview concerning Theileria and Babesia prevalence inferences and diagnosis specificities are reviewed. Due to a reported rise in prevalence, piroplasms impact is particularly focused as a major concern for cattle production industry sector. In this regard, morphology identification strategies are enounced and molecular markers used considered. Tick and tick-borne pathogen studies over the years have contributed to a national portrait of species geographic and seasonal distribution and to pathogen endemic associations, describing most common public and veterinary health threats. Studies on national lice species in wild birds raise awareness to a so far neglected group, evincing known records and new contributions towards a better knowledge. Starting with Culicoides, their importance as vectors of animal/human diseases, the description of new species and also species modelling as disease surveillance is discussed. In the present study, authors briefly address their research areas, reporting multiple collaboration studies and major findings achieved by the CIISA’s Parasitology and Parasitic Diseases team and its partners over the past few years. Vector-borne diseases are transmitted through arthropods and new associations between them and pathogens are continually being described.
8/13/2023 0 Comments Adobe animate free legalWe are developing a compensation model for Stock contributors and will share details once Firefly is out of beta. Adobe’s use of Stock content is covered by our Stock Contributor license agreement. As Firefly is in beta, “we will provide more specifics on creator compensation once these offerings are generally available.” “During this phase, we are actively engaging the community at large through direct conversations, online platforms like Discord and other channels, to ensure what we are building is informed and driven by the community,” the Adobe spokesperson said, adding that Adobe remains “committed” to compensating creators. It is important to note, a spokesperson says, that Firefly is still in beta. The artists say that even if Adobe did not do anything illegal and this was indeed within their rights, the ethical thing to do would have been to pre-notify their Adobe Stock artists about the Firefly AI training, and offer them an opt-out option right from the beginning.Īdobe, in response to the artists’ claims, told VentureBeat by email that its goal is to build generative AI in a way that enables creators to monetize their talents, much as Adobe has done with platforms like Behance. Will my stuff remain in an algorithm if I remove it? I don’t know. “But is there a point in removing my old stuff, because has already been trained? I don’t know. “I’m probably not adding anything new because they will probably still try to train their AI off my new stuff,” said Rob Dobi, a Connecticut-based photographer. And they’re calling it ‘ethical’ AI.”Īdobe Stock creators also say Adobe has not been transparent. “You just keep uploading your images and you get your residuals every month and life goes on - then all of a sudden, you find out that they trained their AI on your images and on everybody’s images that they don’t own. “Back then, no one was thinking about AI,” said Urquhart, who joined Adobe Stock in 2012 and has several thousand images on the platform. “I don’t recall receiving an email or notification that said things are changing, and that they would be updating the terms of service,” he said.Īccording to Eric Urquhart, a Connecticut-based artist who has a day job as a matte artist in a major animation studio, artists who joined Adobe Stock years ago could never have anticipated the rise of generative AI. He said he didn’t receive any notice that Adobe was training an AI model. “Even though they may legally be able to do that, because we all signed the terms of service, I don’t think it is either ethical or fair.” “They’re using our IP to create content that will compete with us in the marketplace,” he said. He told VentureBeat over Zoom that he has been using Adobe products since he was 14 years old, and has contributed over 2,000 images to Adobe Stock. You can find those terms here.”) Adobe Stock creators say it is unethical to train Firefly using their IPĭean Samed is a UK-based creator who works in Photoshop image editing and digital art. According to PetaPixel, Adobe Stock is currently the only major stock website accepting AI image submissions from contributors - including those generated in non-Firefly tools - and AI images are outperforming human-generated files on the site on many metrics (An Adobe spokesperson says “Adobe Stock respects the rights of third parties and requires all Stock contributors to comply with our terms, including those specific to the use of generative AI tools. In addition, a flooding of gen AI images into Adobe Stock is cannibalizing the platform, the creators say. Photoshop users generated over 150 million images in just the first two weeks using the new generative fill feature powered by Firefly. According to Adobe, since its launch in March, Firefly beta users have generated over 200 million images using a variety of newly available tools and features such as text-to-image, generative fill and extend image. Now, Adobe Stock creators say Firefly’s popularity is making it far less likely that users will purchase stock images. 8/13/2023 0 Comments Instant pot ace 60 cooking blenderThis feature is why the blender is heralded as a “Multiuse Cooking and Beverage Blender,” not just a blender. The Instant Pot Ace even has a hidden heating element that can also cook raw vegetables before puréeing (no Vitamix does that). The Ascent has a plastic container, while the Ace’s is heavy-duty glass. The Ascent 2500, which cost $500 on Amazon, has three smart programs the Ace has eight. On paper, the features of the Instant Pot Ace blender seem to blow the Vitamix Ascent series, the brand’s newest and most high-tech line, out of the water. So when Instant Pot, the Canadian company best known for its culty electric pressure cooker with over 28,000 reviews on Amazon, came out with the Instant Pot Ace 60 blender for just $99 - which, for now, you can only get at Walmart - it was hard not to wonder just how it would stack up. For blenders, that’s Vitamix, and though they’re notoriously expensive, Vitamix blenders are powerful and beloved by home cooks and professional chefs alike. As you’re serving and enjoying many a hot meal, you and yours can say, “I can’t believe this came from a blender.In the same way that Kleenex has come to refer to all tissues or Ziploc means any resealable plastic bags, some brands become synonymous with the thing they make (arguably) better than anyone else. Looking for new meal options and creative directions, or seeking more capability in an untraditional kitchen, like in the galley of an RV? Then the Instant Pot Ace 60 Cooking Blender is very worthy of consideration. Instant Pot Ace 60 Cooking Blender Wrap Up And if you also want to buy a blender that doesn’t cook, but can tolerate hot liquids, read this Kitchenaid 5-Speed Blender review. While the Ace 60 comes with a few recipes to try, many find that purchasing a more comprehensive cookbook of blender recipes is also a good investment. The Instant Pot Ace Blender will deliver more value the more you’re willing to try new things that you wouldn’t ordinarily think of doing with a blender. It’s overkill if all you want are smoothies –stick with the NutriBullet NBR-1201. Instant Pot is the first to introduce this whole idea. The Instant Pot Ace 60 Cooking Blender is an interesting slant on turning a blender into a more all-around cooking appliance. Instant Pot says its motor turns 25,000 RPMs, which is on par with most other high-end blenders. The integrated heating element does require that care be exercised when cleaning the glass jar, which cannot be detached from the base/blades. You don’t have to watch it work (unless you want to). The pre-programmed cycles make the Ace 60 robotic. Because of this ability, the Ace does well prepping a chunky-style soup or stew, in addition to puree-style recipes. Unlike other blenders that heat ingredients through blade friction, the Ace pitcher has a built-in heating element that shortens the time needed to get concoctions hot, plus it doesn’t have to spin the entire time. The human interface of the Ace 60 has smooth buttons (like an elevator) and digital displays of blend time and temp. If you already own any other Instant Pot item (like the Instant Pot Ace Nova blender or Ace 60 cooking blender), the Ace will nicely complement it. Lots of style points for the looks of the Ace Blender. If you’re mostly into colder preparations, then the Ninja BL610 Professional Blender or Oster Versa Pro is possibly more suitable alternatives. The Ace will even hold a soup you’ve prepared and keep it warm, stirring it every couple of minutes. For a puree-style soup, you put in the ingredients, touch the button, and come back when it’s done. Pre-programming allows you to ‘one-touch’ the most popular blends like smoothies, crushed ice, puree, soy milk, and others. For an alternative to this device, you’ll want to read our KitchenAid KSB1570SL 5 review. Can be a game changer if you routinely blend soups, sauces, stews, chowders, or anything else warm. An integrated heating element within the jar makes the preparation of hot items much quicker than with other blenders. The Ace Blender is super heavy-duty and can handle frozen ingredients, including crushing ice. (2) Applies the safe harbor to all employers treated as a single employer under the ERC aggregation rules. (1) Excludes the amount from its gross receipts for each calendar quarter in which gross receipts for that calendar quarter are relevant to determining eligibility to claim the ERC and An employer consistently applies this safe harbor if it: Under the safe harbor, an employer may exclude from its gross receipts the amount of PPP loan forgiveness, Shuttered Venue Operators Grants, and Restaurant Revitalization Fund grants in determining eligibility to claim the ERC for a calendar quarter, if the employer consistently applies this safe harbor in determining eligibility to claim the ERC. Without the safe harbor, the IRS noted, an employer might be precluded from claiming an ERC “solely because its participation in the relief program resulted in a temporary increase in gross receipts within the meaning of the tax law.” The safe harbor While the amounts received from the other coronavirus relief programs listed above already are excluded from an employer’s gross income, they must be included in its gross receipts unless the safe harbor is used, the IRS said.Īccording to the IRS, the safe harbor is needed because Congress intended that employers be able to participate in these other coronavirus economic relief programs and simultaneously claim the ERC, provided that the same wage dollars that are paid for or reimbursed with other relief program funds are not treated as qualified wages for purposes of the ERC. The way in which gross receipts are computed is important because an employer may be eligible for the ERC if its gross receipts for a calendar quarter decline by a certain percentage as compared to a prior calendar quarter.
8/13/2023 0 Comments Dr jean tidy upTips for Successfully Navigating the Infant Room Red Flags That a Preschool Program is Not Developmentally Appropriate.If you aren't a spammer, please message the mods. If you're new or cross-posting the same content throughout many subreddits, you may notice your post is missing and doesn't get any responses by the end of the day. Depending on the severity of the comment, the user may be banned. It's only happened very rarely, but name-calling, condescension, admonishment, and off-color jokes will be deleted, as they do not add to our community. When replying to posts, please be courteous and helpful. Please refrain from using the downvote as a "disagree button." Please disagree with words and be constructive. The use of the downvote button should be reserved for unhelpful, off-topic, or low-effort material. If you post an article, please make a submission statement, by either highlighting some interesting quotes, summarizing, or offering an opinion on the article in the comments.Īs a community, we value civil discussion. Users are encouraged to report what they see as spam using this criteria. It's OK to post them here, but only if you are contributing to the Reddit community more than you are posting and cross-posting your own content. We realize that some Redditors have relevant blogs or other content. Parents or anyone working with children are welcome to contribute here. We are principals, administrators, teachers, assistants, and nannies who have experience and education to enhance our natural ability with children.Įarly childhood education and care professionals work with children from birth to eight years old in a variety of settings including: child care centers, preschools, development centers, early intervention, Head Start, four-year-old kindergartens, and many more. This an early childhood education discussion forum for professionals who would like to be involved in an online community to share ideas, advice, questions, current events, and experiences with other professionals and parents. 8/12/2023 0 Comments Vmware fusion for mac license keySome unique and latest features are installed in this version.With this fast version, users can save precious time.This version is fast and improved instead of the older version.VMware has the ability to create limited virtual machines that can expire according to time.It can set up the custom virtual networking configuration for many OS at once.Fusion helps to reproduce complex web or cloud environments for you.It does not decrease the 3D graphics results during the virtualization process. 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VMware Fusion Pro 13.1.1 Crack Full Updated License Code Download VMware Fusion Pro 13.1.1 Crack & Serial Key For Windows 2023:.VMware Fusion Pro 13.1.1 Crack Key + Keygen Latest Version:.VMware Fusion Pro 13.1.1 Crack Full Updated License Code Download. 8/12/2023 0 Comments No panic button on car"But in reality, there was no panic button. She had texted her daughter as shots rang out that help was on the way. Lori Alhadeff, whose 14-year-old daughter, Alyssa, was among the 17 killed, founded the group Make Our Schools Safe and began advocating for panic buttons. At the time, education officials said the plan was the most comprehensive in the nation.īut the idea really gained steam after the 2018 mass shooting at Marjory Stoneman Douglas High School in Parkland, Florida. Staff also can summon help to break up a hallway fight or to deal with a medical emergency if they push the button three times.ĭemand for CrisisAlert had been growing even before Uvalde, with revenue from new contracts increasing 270% from the first quarter of 2021 to the first quarter of 2022, the product's maker, Centegix, said in a statement.Īrkansas was an early adopter of panic buttons, announcing in 2015 that more than 1,000 schools would be equipped with a smartphone app that connects users quickly with 911. Teachers can set off the alarms by pushing a button on a wearable badge at least eight times. The system, a different one than what Uvalde relied on, allows staff to trigger a lockdown that will be announced with flashing strobe lights, a takeover of staff computers and a prerecorded intercom announcement. "It helped us kind of evaluate it and look at it through a lens of: 'We've been through this critical incident, and how would it have helped us?' And it would have helped us that day," he said. He said he had been eying the system even before gunfire erupted in an Olathe high school in March as staff confronted an 18-year-old over rumors that he had a gun in his backpack. In suburban Kansas City, the decision to spend $2.1 million over five years for a system called CrisisAlert "isn't a knee-jerk reaction," said Brent Kiger, Olathe Public Schools' director of safety services. Those are things that are less visible and invisible, but they're most effective." "It's a lot harder to point to the value of training your staff. "People want visible, tangible things," Trump said. And those who did may not have taken it seriously, the Legislature's report said: The school sent out frequent alerts related to Border Patrol car chases in the area. But not all teachers received it because of poor Wi-Fi or phones that were turned off or in a drawer, according to an investigation by the Texas Legislature. Robb Elementary School had implemented an alert app, and when an attacker approached the school, a school employee did send a lockdown alert. The attack in Uvalde illustrated the shortcomings of panic-alert systems. Instead, he said, schools should focus on making sure teachers are implementing basic safety protocols such as ensuring doors aren't propped open. It's "security theater," said Ken Trump, president of the National School Safety and Security Services. The spending spree includes metal detectors, security cameras, vehicle barriers, alarm systems, clear backpacks, bullet-resistant glass and door-locking systems.Ĭritics say school officials are scrambling to show action - any action - to worried parents ahead of the new school year, but in their haste may be emphasizing the wrong things. Multiple states now mandate or encourage the buttons, and a growing number of districts are shelling out tens of thousands of dollars per school for them - part of a widespread scramble to beef up school security and prevent the next tragedy. And then it puts everybody else on high alert." "They can hit a button and, OK, we know something's wrong, you know, really wrong. "Time is of the essence," said Lee, whose son helped barricade a classroom door and watched police enter his school with guns drawn. Personal Loans for 670 Credit Score or Lower Personal Loans for 580 Credit Score or Lower Best Debt Consolidation Loans for Bad Credit |
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