![]() ![]() Whether you list your mortgage as a big bill or a debt is up to you. If you have a lot of different debts, you may need to lump some of them into categories such as "credit cards" and "students loans." If you are using a debt snowball, only include the MINIMUM monthly payments in this section! The debt snowball is included in the Savings section. The point is that you have a place called BIG BILLS to remind you to budget for the big important stuff, the stuff that if you don't plan for, could break you. Whether you call some of these categories "sinking funds" or "short-term savings" doesn't matter in this worksheet. Some people like to track the savings for big bills in separate accounts, sometimes even a separate sub-accounts. ![]() You can divide in Excel using a formula such as =1500/12. For a monthly budget, divide the total average yearly cost of a large bill by 12. Things like medical bills, home repairs, and car repairs can be budgeted ahead of time so that you have the money when you need it. Nobody makes it through life without unexpected big bills. This would also be a place to pull out priority savings to apply the "pay yourself first" principle. If you pay a tithe (the "pay God first" principle), then you can multiply by a percent in excel using a formula such as =10%*B9 where B9 is the Total Income. This category is for making adjustments to your gross income, such as listing the tax withholdings and other deductions from your paycheck. They are designed to help you apply the 'Pay God First' principle, the 'Pay Yourself First' principal, the 'Debt Snowball' and 'Savings Snowball' techniques, the 'Sinking Funds' idea, and the 'Envelope Budget' system. The categories in this worksheet have a very purposeful structure. Step 2: Enter Your Budget (Savings and Expenses) If your income varies a lot, you can base your budget on what you expect the minimum for the month will be. If you get paid weekly, you can base your budget on 4 weeks. If you actually get paid biweekly, you may want to base your budget on just two weeks of pay, then use your extra paycheck twice per year to do something special. For complete and current information on any product, please visit the provider’s website.If you are creating a monthly budget, list all sources of income for the month. Product information and details vary for Quebec. Be sure to review the provider’s terms and conditions for all products and services displayed on MoneySense.ca. Our Advertisers/partners are also not responsible for the accuracy of the information on our site. Advertisers/partners are not responsible for and do not influence any of the editorial content appearing on MoneySense.ca. The content provided on our site is for information only it is not meant to be relied on or used in lieu of advice from a professional. MoneySense aims to be transparent when we receive compensation for advertisements and links on our site (read our full advertising disclosure for more details). MoneySense is not responsible for content on external sites that we may link to in articles. ![]() If you read something you feel is incorrect or misleading, we would love to hear from you. While our editorial team does its best to ensure accuracy, details change and mistakes happen. While our goal is to provide accurate and up-to-date financial content, we encourage readers to practice critical thinking and cross-reference information with their own sources-especially before making any financial decisions. MoneySense is owned by Ratehub Inc., but remains editorially independent. MoneySense is a digital magazine and financial media website, featuring content produced by journalists and qualified financial professionals. ![]()
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![]() We were quite surprised to see the CyberGhost VPN's antivirus is powered by Intego, which has traditionally been a Mac antivirus company. This tool is available to anyone with a CyberGhost VPN account but is only supported on devices running Windows 7, 8, or 10. Under the hood, Security Suite for Windows includes antivirus protection provided by Intego, a Privacy Guard tool designed to protect your information from Microsoft, and Security Updater, which keeps tabs on your apps that need updating. Final pricing varies based on the length of the subscription. The biggest addition to the CyberGhost VPN arsenal is CyberGhost Security Suite for Windows, which is an additional $5.99 per month with the purchase of a VPN subscription. Note that CyberGhost VPN used to also offer a password manager, but is no longer accepting new sign ups and will shut down the service completely on January 1, 2023. We did not evaluate these additional services in our testing. CyberGhost is also bundling a license for the cloud storage file encryption service Boxcryptor with subscriptions of one year or longer. A free email monitoring service called ID Guard will alert you if an email address shows up in a data breach. Editors' Choice NordVPN, for example, offers a password manager and encrypted file locker along with integrated antivirus protection. Some VPN companies are beginning to expand their array of products. Dedicated IP addresses are available in Canada, France, Germany, the UK, and the US for $5 per month on top of CyberGhost VPN's subscription fee. The company boasts about its tokenized system for dispensing dedicated IP addresses without maintaining records of who uses which IP. This lets you exempt specific URLs from traveling through the VPN connection.ĬyberGhost VPN offers dedicated IP addresses, which ensure that your traffic always appears to come from the same IP address and perhaps look a little less like VPN traffic. CyberGhost does, however, include split tunneling. Unlike Proton VPN and Editors' Choice winner NordVPN, CyberGhost VPN cannot route your traffic through the Tor anonymization network-although a VPN is not required to use Tor. We don't test the efficacy of these features in any VPN products, but generally advise readers to use standalone tracker blockers and antivirus software. In addition to VPN protection, CyberGhost boasts that it provides malware and ad blocking. We will update this review once we are able to try the NoSpy servers out for ourselves. Access to NoSpy servers cannot be added to an existing subscription and we were unable to test them this time. Proton VPN, however, uses its Secure Core servers for multi-hop connections while CyberGhost does not provide multi-hop connections at all. This is similar to Proton VPN's Secure Core servers in that they also have increased physical security. ![]() ![]() What Do You Get for Your Money?ĬyberGhost VPN offers NoSpy servers, which it says are specially tuned servers in a high-security server facility in CyberGhost VPN's home of Romania. We highly recommend using standalone antivirus and a password manager, as well as enabling multi-factor authentication wherever it is available. (Editors' Note: IPVanish is owned by Ziff Davis, PCMag's parent company.)Ī VPN is a powerful tool, but it won't protect you from every threat. Atlas VPN, Avira Phantom VPN, IPVanish VPN, Surfshark VPN, and TunnelBear VPN place no limit on the number of devices you can connect at the same time. The industry average for VPN companies is five devices, but that seems to be slowly changing in consumers' favor. ![]() If you're keen for a purely cash transaction, both Editors' Choice winners IVPN and Mullvad VPN allow cash payments made to their respective HQs.Ī subscription to CyberGhost VPN lets you use seven devices simultaneously, making it a good value for a household with lots of devices. Paying with Bitcoin means giving up the chance to purchase some of the add-ons supplied by CyberGhost, however, but more on that later. You can easily purchase a CyberGhost VPN plan with major credit cards or PayPal, but you can also pay with Bitcoin. Editors' Choice winner Proton VPN supplies our favorite free subscription, limiting you to only a few servers but without a data cap. TunnelBear VPN has a free offering that restricts the amount of data to 500MB per month, but allows users to access all of its global server network. ![]() ![]() Microsoft Office 2007 - MathType Ribbon Tab in Word and PowerPoint: MathType takes full advantage of Office 2007's new Ribbon User Interface making it easier than ever to do equation operations in documents and presentations.Keyboard Shortcuts: MathType has customizable keyboard shortcuts for virtually every symbol, template, and command.Save Expressions in the Toolbar: Drag frequently used equations and expressions to the MathType toolbar so they can be inserted later with just a click or a keystroke.Typing TeX can be combined with MathType's traditional point-and-click editing: Use the Toggle TeX command (Alt+\) to turn what you typed into a MathType equation. Type TeX or LaTeX directly into Microsoft Word: If you already know the TeX typesetting language, you can enter equations directly into Microsoft Word documents.You can also paste in equations from existing TeX documents. TeX editing can be mixed with point-and-click editing so you get the best of both worlds. Type TeX or LaTeX into MathType: You can also type TeX into MathType's editing window.MathType applies mathematical spacing rules automatically as you type. Point-and-Click Editing with Automatic Formatting: Equations can be created quickly by choosing templates from MathType's palettes and typing into their empty slots.Find Symbols: MathType's Insert Symbol dialog allows you to explore the available symbols and insert them with a click or keystroke.Beside our exclusive Euclid™ math fonts, you can also make use of the 1000s of math symbols in fonts already on your computer, as well as math fonts you can download from the Internet. More Fonts: MathType has hundreds more symbols and templates than Equation Editor.Use Wikipedia, PlanetMath, and other websites as sources of equations for your work: ![]() If your favorite one is not there, MathType may still work with it using cut and paste, drag and drop, Insert Object, or equation image files. Most likely you will see several that you already use or plan to use. to see our MathType Interoperability Registry which lists 100s of compatible applications and websites. Work with TeX and LaTeX editors and documents.Use equations to label DeltaGraph scientific graphs and Excel spreadsheets.Copy equations from Mathematica or Maple into your research.You can author new equations for those websites as well. Copy equations from websites like Wikipedia, PlanetMath, etc.Add equations to Quark and InDesign documents.While many MathType users create equations for Microsoft Word documents and PowerPoint presentations, MathType also works with many, many other applications and websites and we are adding more and more every day: Here are just a few of MathType's many features: MathType works with 100s of applications and websites, allowing you to put Equations Everywhere and Anywhere™. MathType is a powerful interactive equation editor for Windows and Macintosh that lets you create mathematical notation for word processing, web pages, desktop publishing, presentations, and for TeX, LaTeX, and MathML documents. ![]() ![]() ![]() Covey reveals a step-by-step pathway for living with fairness, integrity, honesty, and human dignity-principles that give us the security to adapt to change and the wisdom and power to take advantage of the opportunities that change creates. With penetrating insights and practical anecdotes, Stephen R. This beloved classic presents a principle-centered approach for solving both personal and professional problems. Habit 5: Seek First to Understand, Then to Be Understood Daniel Pink, author of Drive and When 'This year is the 30th Anniversary of The 7 Habits of Highly Effective People and there is a new edition of the book that is both bigger and better. ![]() With Sean Covey’s added takeaways on how the habits can be used in our modern age, the wisdom of the 7 Habits will be refreshed for a new generation of leaders. The story of P/PC balance is explained by using Aesop’s fable of the goose and the golden egg. Powerful Lesson In Personal Change Addeddate 07:35:47 Identifier seven-habits-of-highly-effective-people Identifier-ark ark:/13960/t21d2g531 Ocr tesseract 5.0.0-alpha-20201231-10-g1236 Ocrdetectedlang en Ocrdetectedlangconf 1. The Seven Habits are in harmony with natural law (P/PC Balance) The first P is Production, PC is Production Capability. The 7 Habits Of Highly Effective People Collection opensource Language English. Habit 7 is the habit of continuous improvement. The 7 Habits have become famous and are integrated into everyday thinking by millions and millions of people. Habits 4, 5 and 6 deal with teamwork, cooperation and communication. Now, this 30th anniversary edition of the timeless classic commemorates the wisdom of the 7 Habits with modern additions from Sean Covey. Translated into thirty-four languages THE 7 HABITS OF HIGHLY EFFECTIVE PEOPLE has been the key to the success of. From Habit 1: Be Proactive and Habit 2: Begin with the End in Mind, millions of people have worked their way through the 7 and found in them a key to transforming their lives. It has transformed the lives of presidents and CEOs, educators and parents-millions of people of all ages and occupations. The 7 Habits have become so famous because they work. One of the most inspiring and impactful books ever written, The 7 Habits of Highly Effective People has captivated readers for nearly three decades. *The #1 Most Influential Business Book of the Twentieth Century* New York Times bestseller-over 40 million copies sold ![]() ![]() ![]() Use it to show you the automation graph of any automated plugin parameter, or any track's volume or panning. Wordy, yes, but this shortcut is quite useful. ![]() ![]() MAC Command-Control-click on control PC Ctrl-Start-click on control Trust me, having a fast fix for this problem makes you much less likely to want to lash out at the editor! Display Automation playlist of automation enabled plug-in control, track volume, or track pan Show the line to help make a quick adjustment to the region. Use case: This shortcut is very handy if you are mixing and an editor has clip gained a region so low there's not enough head room to turn it up. Toggle between showing and hiding the clip gain for all regions in a session. MAC Control+Shift+Hyphen (-) PC Start+Shift+Hyphen (-) Instead, use this keyboard shortcut for one or multiple selected tracks, allowing you to make this large selection with confidence without every changing your point of reference. Using click and drag to manually select scrolls you to the end of your session and navigating back can slow you down. In order to keep the relative spacing, you need to include the region you're editing and all those that follow. Use case: Say you need to remove some space between lines in a radio play. Select everything on one or multiple tracks from the location of the cursor to the end of the session MAC Option+Shift+Return PC Ctrl+Shift+Enter Make these two shortcut keys a regular part of your routine before saving off any final session for delivery. Whether you're working remotely or in house, storage space is always worth considering and this two step process will likely save you a lot of Megabytes (or perhaps even Gigabytes). Use case: If you're a regular reader of the blog, you'll know that I'm a big fan of clean session deliveries. This is a two step process to first find any unused clips and then clear them from the session. MAC Step 1: Command+Shift+U Step 2: Command+Shift+B PC Step 1: Ctrl+Shift+U Step 2: Ctrl+Shift+B Use case: Fine tune any tricky sync-related moments by checking your work back in half time. Play back your entire session at half speed. Then it's just three taps and you're back to editorial. Use case: If you're used to cutting in Slip mode like me, just one tap of the tilde is all you'll need to spot new picture to timecode when it comes arrives. Cycle through the Shuffle, Split, Spot and Grid modes. Just goes to show you, there's always something new to learn. Fifteen years on Pro Tools and I had no idea this existed. I put out the call to our Boom Box Post team and this one comes from editor Brad Meyer. ![]() ![]() Diagnosis and the assessment of needs can offer an understanding of why a child or young person is different from their peers and can open doors to support and services in education, health services and social care, and a route into voluntary organisations and contact with other children and families with similar experiences. They may also have a profound sense of relief that others agree with their observations and concerns. When autism is diagnosed, families and carers and the child or young person themselves can experience a variety of emotions, shock and concern about the implications for the future. However in this guideline 'autism' refers to 'autism spectrum disorders'.Īutism is a lifelong disorder that has a great impact on the child or young person and their family or carers. For clarity and consistency, in this guideline the term 'autism' is used throughout, in keeping with the use of 'autism' in the government's 2010 strategy for adults with autism. The guideline development group recognised that individuals and groups prefer a variety of terms, including autism spectrum disorder, autistic spectrum condition, autistic spectrum difference and neuro-diversity. Note that childhood disintegrative disorder is excluded from ASD in DSM-5. Because both components are required for diagnosis of autism spectrum disorder, social (pragmatic) communication disorder is diagnosed if no RRBs are present. ![]() Autism spectrum disorder encompasses the 4 separate disorders from the previous DSM-IV: autistic disorder (autism), Asperger's disorder, childhood disintegrative disorder and pervasive developmental disorder not otherwise specified. The overarching category term used in ICD-11 is pervasive developmental disorder (PDD), a term now used synonymously with autism spectrum disorder (excluding Rett's syndrome) it is a behaviourally defined group of disorders, which is heterogeneous in both cause and manifestation.ĭSM-5 refers to autism spectrum disorder as a single condition with different levels of symptom severity in 2 core domains: 1) deficits in social communication and social interaction and 2) restricted repetitive behaviours (RRBs), interests, and activities and sensory anomalies. Autism spectrum disorders are diagnosed in children, young people and adults if these behaviours meet the criteria defined in the International Statistical Classification of Diseases and Related Health Problems (ICD-11) and the Diagnostic and Statistical Manual of Mental Disorders Fifth Edition (DSM-5) and have a significant impact on function. The term autism describes qualitative differences and impairments in reciprocal social interaction and social communication, combined with restricted interests and rigid and repetitive behaviours. ![]() In addition, it is important that clinicians do not exclude or delay referral for possible autism spectrum disorder because of an earlier diagnosis of ADHD. ![]() This is because there is evidence showing an increased prevalence of autism spectrum disorders in children and young people with ADHD. This guideline was updated in 2017 to include attention deficit hyperactivity disorder (ADHD) in the list of factors that should be taken into account when considering a referral for possible autism spectrum disorder and when considering whether to carry out an autism spectrum disorder diagnostic assessment. ![]() ![]() ![]() Once you return to New Hampshire, you are required to submit a new Commercial Driver License application form through our Drop Box services, along with a note explaining that you have returned to the State and a photocopy of your temporary license, and a permanent license will be mailed to you. The DMV will mail a temporary duplicate license which will be valid for six (6) months to your out-of-state address. The form will be approved and then mailed to the address indicated on the form. You can also fax your request to (603) 271-1061. of Safety DMV - Registration 23 Hazen Drive Concord, NH 03305. Please mail your application, fee and Temporarily Away form to: The vehicle owner may complete a Permit to Operate an Uninspected Motor Vehicle (DSMV 354), and return it to: NH Dept. A Temporarily Away form providing an out-of-state address.A completed and signed application for Commercial Driver License.To apply, please send the following documents: If your image is not on file at the DMV, you will be unable to get a duplicate license by mail. If you are temporarily away from New Hampshire and your license is lost or stolen, you may apply for a temporary duplicate license by mail. Copy of current Medical Card (unless you are exempt).Include a 14.00 Idaho title fee with this completed application. Commercial Driver License Application (DSMV 312) If you send via mail, make your check payable to DMV.If you have lost or misplaced your Commercial Driver License, please make an appointment and bring the following information: Apply for a Duplicate License or Non Driver Identification If your license is lost, stolen or destroyed you must apply for a duplicate license. ![]() When you drive a motor vehicle in New Hampshire, you are required by law to have a driver license with you. Duplicate Certificate of Title Application (TDMV 18).Duplicate Driver’s License or Non-Driver ID Application (DSMV 637).Please note that you must know the plate number and the. The total cost for a duplicate registration is 19. Driver’s License Application (DSMV 450) To purchase a duplicate registration, you must be listed as an owner on the registration, or in the case of a business, you must be an authorized signer for the business.Motor Vehicle Records Request (DSMV 505).Address or Name Change Request (DSMV 30).Suspensions, Driving Records, Tickets, Accidents.FAQs – Driver Licenses/Non Driver IDs/CDL.Apply For Your First Drivers License/Non Driver ID.Duplicate Driver License or Non Driver ID.Renew a Driver License/CDL/Non Driver ID.Driver Licenses, Commercial, Non-Driver IDs. ![]() ![]() Skill points can be used to unlock deliveries that require different ADR classes, longer distance deliveries, special cargo loads, fragile cargo loads, deliveries that are urgent and eco-driving. ![]() ![]() A skill point is awarded after each level-up. The player gains experience points after each delivery. The skills of the drivers hired by the player also grow with experience and the player can create a huge fleet of the trucks, each with the option of having their own trailer, and drivers to drive the fleet, in turn, expanding the business across Europe. Money earned in the game can be spent on upgrading or purchasing new customizable trucks and ownable trailers, hiring non-player character drivers to take on deliveries, buying more garages and expanding them to accommodate more trucks and drivers. As the player earns money or takes bank loans, they can eventually afford to buy themselves a truck, acquire a home garage, and start accepting better-paying jobs by using their own truck instead of being a driver for hire with equipment being provided. At first, the player can only take what is known as quick jobs-these jobs involve making hired driver deliveries while employed by a delivery company, with a provided truck and all expenses (fuel, road tolls, ferry crossings) covered. When starting out, players choose their headquarters location in any of the game map's cities. Players will have to spend money on refuelling, toll costs in certain countries, and maintenance costs if damage is incurred. The payload must be delivered to the destination within a given amount of time, and with the least amount of damage to the goods as possible, in order to get the most money and experience points possible. Players drive articulated trucks in an open world rendition of Europe, delivering loads to a designated location in order to be compensated with money and experience points. Note that the screenshot is from a relatively old version and doesn't reflect the current look of the game.Įuro Truck Simulator 2 is a truck driving simulator with elements of a business simulation game. There is a UI in the bottom right corner in which the player can view a map with 2 separate UI elements representing the mirrors. Gameplay Driver's view from a DAF XF during gameplay, crossing the Belgian-Dutch border. ![]() The game has sold over 9 million units as of March 2021, according to a press release by Renault Trucks. In August 2023, SCS Software announced that they will be creating a new generation of their current game engine, Prism3D, in order to provide graphical and performance bonuses to PC players, while also preparing for the eventual release of console versions of the game. As the game progresses, it is possible for them to buy more vehicles and depots, as well as hire other drivers to work for them. Featuring articulated trucks across a condensed depiction of Europe, players drive their truck (or a quick job truck, if they don’t have their own truck) and pick up cargo from various locations and deliver it to their destination. The game is non-linear, and like its predecessor, the game is set in Europe. The game is a direct sequel to the 2008 game Euro Truck Simulator and it is the fourth video game in the Truck Simulator series. ![]() Euro Truck Simulator 2 is a truck simulator game developed and published by SCS Software for Microsoft Windows, Linux, and macOS and was initially released as open development on 18 October 2012. ![]() ![]() Connect your iPhone to it with USB cable. First, you can free download it and have a try.ĭownload, install and run this powerful Viber iPhone data transferring software on your computer. Transfer Viber iPhone files with Viber Data TransferĪpart from Viber free calls and messages, you also want to transfer the attached video/audio files and pictures? To do that, you can rely on the professional Viber Data Transfer. Login the email account to download the Viber app data from iPhone to your computer. ![]() Email the created Viber iPhone files to your email address.ĥ. Tap "More" > "Settings" > "Calls and Messages".Ĥ. You can handily do that by taking the following steps. How to transfer iPhone Viber data to computerĪt the second part of this post, we will show you how to transfer Viber free calls and messages from iPhone to PC/Mac for backup. You can free download Viber for iPhone, Viber for Android and Viber for Windows with the links below. How to transfer iPhone Viber data to computerĪs one of the most popular social network apps like Facebook and WhatsApp, Viber also provides different versions to meet your portable device. You may also need: Full Guide to Download and Recover Viber. You can keep reading to find the best solution. Do you want to delete them? Or transfer these treasured files to computer for backup? In this post, we will show you a simple way to transfer Viber data from iPhone to PC/Mac. Viber iPhone app allows you to make free video/audio calls, text, share pictures, record audio messages, send files and more free of charge.Īlong with the daily usage of Viber app, lots of text messages, photos, video/audio files, etc. In this way, you can easily connect to others by just selecting a name. It can automatically detect which of your contacts use Viber. ![]() Viber for iPhone is a fantastic free messaging and calling app which enables you to communicate with your colleagues and friends through the internet connection. ![]() How to Transfer Viber iPhone Free Calls and Messages ![]() ![]() ![]() ![]() Convenient entertainment at your fingertips.Benefits of Playing FreeCell Anytime, Anywhere: This online version of the popular card game allows you to play on your computer or mobile device, giving you the freedom to challenge yourself and have fun whenever you want. ![]() Whether you’re at home, on a break from work, or traveling, you can enjoy FreeCell anytime, anywhere. Play Free Cell Anytime, AnywhereĪARP’s FreeCell Solitaire is the perfect way to play the classic card game no matter where you are. ![]()
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