![]() Having a solid understanding of personal finance can help you make wiser decisions about your money. Here are some of the key reasons why financial literacy is so important. Many students graduate from university with rose-coloured glasses, having little knowledge of how money works or even how to handle their student loan debts.īecoming financially literate can save you and your wallet a lot of trouble and confusion, allowing you to get a head start on your financial goals. ![]() ![]() Unfortunately, secondary (and even post-secondary) schools often don’t do a great job of preparing us for the real world. But do note that there is happiness and joy that comes with each of these stages, and you do not have to be at level 5 in order to lead a comfortable life. I know that many people are hungry to make it there, and that level 5 is attractive. You can work away at becoming fully financially independent with the knowledge you can gain in the books on this list, as well as the content on my website. Complete financial independence from jobs, people or institutions.Savings can cover not working for the rest of one’s life.A steady income stream from investments.Savings can cover large periods of time without employment.Ability to put aside money for long-term investments.Ability to pay back debt at a faster rate.Enough savings to cover unforeseen or emergency events.Income sufficient to cover monthly costs of living.Dependency on others for large expenses.Savings insufficient to cover any unexpected or emergency situations.Here are the five levels of personal finance, ending with full financial independence. This term seems to be the end-all-be-all of personal finance, and indeed, it may be. How to buy: Buy it online on Amazon What are the 5 levels of personal finance?Īs you may have noticed, many of the books in this list speak about, and market themselves as, helping readers get to “financial independence”. Also suitable for you if you find that you are buying more than you truly need and spending unnecessary amounts of money in the process, hindering your financial success. Get this book if: you’re looking for a personal finance book that’s intertwined with lifestyle tidbits and unlike other traditional finance books out there. That’s what Cait Flanders talks about in this book how she stopped spending her money on things in a consumerist world that encourages everyone to spend more and how spending less can lead to a more prosperous financial life (or life in general). Step 2 in having more money? Spend less money. Millennial Money: How Young Investors Can Build a Fortune by Patrick O’Shaughnessy These range a variety of topics, from investments, saving, budgeting, becoming financially independent, and raising a family and touch on subjects accessible to readers from all over the world. American personal finance booksĪnd here are the top-ranked personal finance books written by authors to the south of the Canadian border. How to buy: Buy the TFSA book on Amazon as well as on the RRSP. Get this book if: you’re a Canadian who’s not yet taking full advantage of the Tax-Free Savings Account. It might be a bit dated, but it’ll teach you the basics of the TFSA. He also has a book on RRSPs, which I’ll link below.Īlso note that this book was published in 2010, right when the TFSA came out. I know that the sole topic of TFSAs may not be the most riveting of topics, but being literate in this type of saving and investment is an important step in growing wealth as a Canadian. In this book, Gordon Pape goes through everything you need to know about the TFSA and gives you investment tips on how to build your wealth in a tax-free way. If you are a Canadian, the Tax-Free Savings Account is a crucial investment vehicle that you should know more about to maximize your earnings, save on tax, and build your wealth.
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The hub is seen as an important enabler of both ongoing customer retention and future revenue growth. This was paramount to not alienate their existing customer base.įinally, Paddle is helping MacPaw to develop the next stage of its SaaS evolution: a ‘customer cabinet’ that provides a one-stop-shop for users to manage their subscription, add new licenses and access upgrades or other products. Launching subscriptions also required a communications strategy to demonstrate the additional value customers receive under the subscription model - Quicker release cycles, improved customer experience, and more. This included reducing the focus on checkout conversion rate and more emphasis on customer retention, monthly recurring revenue, and customer lifetime value. Paddle has also supported MacPaw in transitioning how they set their financial targets and KPIs to be a better fit with SaaS. Email Dunning helps create and send optimized pre-billing and payment failure messages to customers. Intelligent Payment Dunning in order to maximize the rate of successful payments even if it failed initially. ![]() Paddle implemented its end-to-end Optimised Payment Acceptance via global infrastructure of banks, payment processors and card companies to maximize checkout and renewal payment acceptance in addition to other features as auto-updating of expired cards to ensure customers can continue to pay for their subscriptions. Once this testing had been completed and CleanMyMac X was launched as a primarily SaaS product (with an option for one-off purchase), the focus shifted to maximizing retention of new subscription customers. The first stage was to test the subscription model and ensure it was viable with a sufficient number of existing customers.įor a six-month period prior to the launch of CleanMyMac X, the first SaaS edition of the product, Paddle helped MacPaw to **A/B test** its pricing by channel and geography – working to identify the sweet spot that would maximize both the subscription cost and conversion rate. Paddle worked closely with the MacPaw team to ensure that the shift to SaaS was a steady process, closely informed by customer feedback.
![]() We'll want to use macOS Extended (HFS+) with a GUID partition map. Now we'll be formatting the USB to prep for both the macOS installer and OpenCore. This method allows you to download much older versions of OS X, currently supporting all Intel versions of OS X(10.4 to current) If you want to check the integrity of your download, you can check this repository of checksums (opens new window), although do note that these are crowdsourced checksums and may not be a reliable way to check for authenticity. Note 2: Running Cmd+Shift+G in Finder will allow you to easily jump to ~/macOS-installerįrom here, jump to Setting up the installer to finish your work.Note: We recommend to move the Install macOS.app into the /Applications folder, as we'll be executing commands from there.Mount it and you'll find the installer application. ![]() Once finished, you'll find in your ~/macOS-Installer/ folder a DMG containing the macOS Installer, called Install_macOS_11.1-20C69.dmg for example. This is going to take a while as we're downloading the entire 8GB+ macOS installer, so it's highly recommended to read the rest of the guide while you wait. If you need a particular versions of macOS, you can select it by typing the number next to it. Mkdir -p ~/macOS-installer & cd ~/macOS-installer & curl > installinstallmacos.py & sudo python installinstallmacos.pyĪs you can see, we get a nice list of macOS installers. Open a terminal window then copy and paste the below command: If you've already mapped your USB ports (opens new window) and disabled XhciPortLimit, you can boot macOS 11.3+ without issues.įrom a macOS machine that meets the requirements of the OS version you want to install, go directly to the App Store:įor machines that need a specific OS release or can't download from the App Store:įrom a macOS machine that meets the requirements of the OS version you want to install, go directly to the App Store and download the desired OS release and continue to Setting up the installer.CAUTION: With macOS 11.3 and newer, XhciPortLimit is broken resulting in boot loops (opens new window).macOS 12 and above note: As recent macOS versions introduce changes to the USB stack, it is highly advisable that you map your USB ports (with USBToolBox) before installing macOS.This method allows you to download macOS 10.13 and newer, for 10.12 and older see Downloading macOS: Legacy OS. For everyone else, you can either download macOS from the App Store or with Munki's script. You can skip this and head to formatting the USB if you're just making a bootable OpenCore stick and not an installer. To start we'll want to grab ourselves a copy of macOS. While you don't need a fresh install of macOS to use OpenCore, some users prefer having a fresh slate with their boot manager upgrades. Getting started with ACPI (opens new window).Now with all of this done, head to Setting up the EFI to finish up your work. Happy Adventuring! Categories Local Travel, Missouri, Nature Experiences Tags carthage, precious moments Post navigation While this trip did not take very long, it was a perfect length of time for young children and also FREE! Check out their web site for information on current hours. Outside the chapel area is a little bit more to see. And can I just say as a music teacher, that the acoustics in this space were amazing! (Luckily we were the only ones there and our little ones enjoyed hearing the sounds of their voices echo quite a bit!) There is plenty to see in the side rooms around the chapel as well. There is a tour guide there to tell you all about the artwork and Samuel Butcher’s story. ![]() Each piece of art work tells a story from a scene in the Bible or a message of hope with people from Samuel Butcher’s life painted into the murals. ![]() There is art work on all the walls and the ceiling. The grounds are beautiful and not lengthy at all to walk… perfect for these little ones to feel like a trail but not get exhausted! There are fountains throughout as well as a gift shoppe, walking trail, the chapel featuring his artwork, an interactive lobby of things for the kids to find and look at, and a park area nearby for play and picnic.Īfter we strolled through the visitor center and had fun looking at all of the miniature scenes, we headed outside towards the chapel area and short walking trail. It is a very inspirational place to go with a great message. It tells the story of his many blessings and gives all the credit to God as the source. Precious Moments features the artistic work and life of Samuel J. The littles actually really enjoyed it and there was lot more to see than just those cute figurines. ![]() My mom came into town and we loaded up three kids (ages near 3, near 2, and 7 months) for a mid morning adventure. It is great for an outing if you have never been as an adult and really great for little kids. If you haven’t visited the Precious Moments chapel, you should add it to your list. Precious Moments is more than just those cute little figurines you see sold in stores. ![]() This data is initially processed in order to process your request. We also use your name and address to occasionally send you advertising by post. We only collect personal data which you have knowingly provided, e.g. Use of personal data / right to withdraw consent for advertising Salt, Contemporary Physics, Vol.Below you will find information about the nature, scope and purpose of the processing of personal data and about use of cookies in the context of using our website at All data is held on servers within EU/EEA member states. ![]() ![]() I thoroughly recommend this book to anyone who is interested in applying any SPM technique …. the book’s sub-title The Lab on a Tip is entirely appropriate. … References are plentiful and appropriate …. Generally, a good balance between theory and experiment is struck, with an appropriate number of quite beautiful images. "The book is well written and well laid out, providing a good, logical progression from one subject area to the next. However, it will be of most use to researchers and students with a particular interest in SFM and MFM." (Steven R Schofield, The Physicist, Vol. … it is well referenced and will serve as a good starting point for further studies. … the book succeeds in conveying the wide range of SPM techniques and their applications in an enthusiastic manner. "In this book, the authors aim to give a general introduction to SPM and highlight some of the many applications of this technique. It addresses a large audience that ranges from high school teachers to undergraduates to graduate students and post-docs in physics and biology." (opn – Optics & Photonics News, Vol. "This book provides a nice and clearly written introduction to scanning probe microscopy (SPM) …. Furthermore, it will be valuable as reference book in any scanning probe microscopy labora tory. Third year undergraduates and beyond should be able to use it for self-study or as textbook to accompany a course on probe microscopy. With this book our intention is to provide a gen eral textbook for all types of classes that address scanning probe microscopy. We found it of particular importance to cover not only the physical principles behind scanning probe microscopy but also ques tions of instrumental designs, basic features of the different imaging modes, and recurring artifacts. The audiences ranged from physics freshmen to biology post-docs and even high-school teachers. In recent years the authors have taught numerous courses on scanning probe microscopy, normally in combination with hands-on student experi ments. Consequently, the community of users ranges from biologists and medical researchers to physicists and engineers, all of them exploiting the unrivalled resolution and profiting from the relative simplicity of the experimental implementation. Two decades after its invention, scanning probe microscopy has become a widely used method in laboratories as diverse as industrial magnetic stor age development or structural biology. ![]() Immerse yourself in the ongoing brand-new return event called “Long-Awaited Return.” Log in daily to receive a variety of rewards! Throughout this event, engage in the Time-Limited Challenge to acquire diverse ally development materials and stand a chance to obtain Signs of New Time. Introducing the World of Dragon Raja Game Step 3: Follow the instructions to receive the latest Dragon Raja code.Step 2: Choose the Dragon Raja code hashtag.Step 3: Enter the Dragon Raja code to receive rewardsĭragon Raja Fanpage Event Code Redemption. ![]() ![]() Step 2: Select the Dragon Raja gift code box on the left-hand side.Step 1: Log in to the official Dragon Raja website.Latest Dragon Raja Event Gift Codes Compilation Gift code list May your engagement with Dragon Raja be brimming with triumph and exuberance! Latest Dragon Raja Gift Codes Compilation Gift code list Seize this moment to completely immerse yourself in your gaming passion. Salenhanh is confident that these codes will not only enhance your gaming experience in Dragon Raja but also propel you towards achieving remarkable accomplishments. If you’re on the lookout for captivating gift codes that can enhance your journey in the world of Dragon Raja, this is an opportunity that simply cannot be missed!ĭon’t allow these valuable gift codes to slip away unnoticed. Their enthusiasm to share these codes with you is palpable. Salenhanh has dedicated extensive effort to meticulously curate a collection of reliable gift codes for Dragon Raja. ![]() How do I get the right tension on the clippers? If you are clipping a nervous horse who is scared of clippers, or being clipped for the first time, you will find this advice useful too. Before you press the ‘on’ button, check out the following top tips from Paula Bryan of Clipit Gromming, who explains how to clip a horse correctly.Ĭommon problem areas when clipping a horse include choosing the right type of clip, knowing how much hair to remove, tensioning clippers correctly, getting straight and even lines, and best practice for coat care both before and after clipping. Motorcycle riding jacket and pants are preferable but not mandatory.A horse’s coat grows rapidly when the seasons change and you’ll soon be reaching for the horse clippers to keep your steed trimmed, looking smart and feeling comfortable as you take care of them in winter. (A) At a minimum, Long sleeve shirt or jacket, long pants/jeans, boots that cover your ankle, full-fingered gloves, DOT approved helmet, eye protection. ![]() (Q) What kind of riding/safety gear do I need to bring? (Q) Does this class qualify for insurance premium discounts? (A) Three hours classroom time, conducted on the range in between exercises and 5-6 hours on the range. (Q) How much riding time is in this class? (A) Recognizing and controlling personal risk factors and developing advanced riding techniques, all aimed at making your riding more enjoyable, proficient, and safe. However, any rider can/will benefit from the advanced techniques explored in this class, especially cruisers and touring bikes. (Q) Is this class for sport bikes and racetrack wannabes? ![]() (A) Any bike that is “road legal” is permitted. Keep in mind this is an “advanced” class, and if you have never had professional instruction, you may want to consider the BRC II Skills Practice course as a steppingstone to the ARC. (Q) Are prior training classes a prerequisite to taking this class? (A) You should be comfortable on public streets and highways and able to proficiently corner, swerve, and brake. (Q) What skills should I have before enrolling in this class? A motorcycle riding jacket and riding pants or chaps are recommended’ Mandatory riding gear consists of DOT approved helmet, eye protection, (face shield, goggles, or safety glasses, etc.), long sleeved shirt or jacket, full fingered gloves, long heavy pants like jeans, boots that cover the ankles.Bikes with car tires or improperly mounted motorcycle tires are not allowed.You will not be allowed to take the class with out these documents. Bring your license, registration, and proof of insurance to class.Your bike must be street legal, licensed, insured, inspected and in good repair.You need to have a motorcycle license to take this class.Better cornering lines makes riding easier and safer.ĪRC techniques and skills are applicable to all types of motorcycles. Left / right corner transitions become light and easy. (Especially important to “Cruiser” style bikes). Riders that adopt the techniques explored in this class are able to corner with less effort and have increased ground clearance. The outdoor classroom component explores personal risk tolerance, cornering lines, and the effects changing the combined center of gravity has on cornering. Before enrolling, students should be well versed in the basic skills of cornering and swerving, and have good throttle control and braking skills. Truly, a course for the experienced rider, the ARC introduces advanced riding techniques including the effects of weight placement and trail braking when cornering. ![]() Class Schedule & Registration Advanced Rider Course (ARC) Cost: $175.00 ![]() After you roll out and line the tins, refrigerate for 30 minutes to 1 hour before baking.This will help the crusts slide into the containers directly making the job easier. Butter the tins because it helps when lining them with the crust.After you make the shortbread crust refrigerate for about 2 hours before rolling out.Also, keep the pieces of dough you are not always working with in the refrigerator.Make sure to cover it, so it does not dry out adequately. Just pop it back into the fridge for 20 minutes or so. As the dough softens, it will become challenging to work with. When working with the shortbread crust, use the refrigerator to your advantage. ![]() Transfer onto an airtight container and refrigerate overnight.Pour the cream over the melted white chocolate and whisk to combine.Whisk in the pistachio paste until it has completely dissolved into the cream.In the meantime, bring the cream to a simmer and then remove it from the stove.Melt the white chocolate over a water bath.How to make pistachio white chocolate ganache Start by topping with a thin layer of raspberry jam, then pipe small kisses of ganache until completely covered, and finally top with some fresh raspberries. ![]()
![]() Also, allow extra length if you make any mistakes during the installation process. ![]() Once you get the width, you need to get the length of your entire gutter trough. And remember, most gutter troughs will be about five inches wide. Ensure you consider the measurements from the back where the gutter meets your home to the outer edge. To measure how much gutter guard material you need, you may have to climb up your ladder and measure the width of your gutter system. Most gutter guards have lengths of three to eight feet and widths of four to six inches. That is because the size of gutter guards you eventually need will affect how much time and energy you spend installing them and how costly they are. How big your gutter system is may impact your type of gutter guard. Examples are foam or brush-style gutter guards that you can insert within the gutter troughs. But you can also choose gutter covers or screens that sit flat on the gutter, so they are invisible from the ground.įor example, if you have steel roofing and wanted visible gutter guards such as the surface tension, micro-mesh, or screen ones, it would make better sense to find those made from steel or aluminum so that they match with your roofing.Īlternatively, you can find those that can hide within your gutters and out of sight. You should ensure that the gutter guard you select matches your existing metal roofing. And it matters because a home with amazing curb appeal can increase its value by an average of seven percent. Good curb appeal implies a house makes an excellent first impression on people. Aesthetic ImpactĬurb appeal refers to how attractive your home would be to a buyer when they look at it from the outside. Video can’t be loaded because JavaScript is disabled: Installing Stainless Steel Gutter Guards On Corrugated Metal Roof () 2. ![]() However, remember that such guards don’t age well and will degrade faster. So, you may want to also consider gutter guards with plastic, nylon, or foam as their primary constituent material. Unfortunately, they have the price to match. They are also naturally resistant to rust or are treated to prevent it. They tend to be pretty tough, durable, and are also stylish. Stainless steel, aluminum, and copper are some of the most popular materials for metal roof gutter guards. And generally, in industrial areas, corrosion will occur earlier. Each material will vary in appearance, durability, and cost, among other things.Īlso, some may rust much faster, which would stain your water or compromise the structure of your gutter system. It is crucial to consider the materials your gutter guards consist of because not all of them will be suitable for your metal roof. However, others are in the form of tiles or shingles. And some of them come in the form of sheets or panels. These include copper, tin, aluminum, and steel roofs. Metal roofing is a general term used to define various metal roofs. So, to choose the best gutter guards for your metal roof, or to determine whether or not you should install gutter guards, consider these essential factors first to know what’s best for your metal roof: 1. And the colors they consist of may determine their ability to absorb or repel heat. However, metal roofing may be more prone to corrosion in some places, such as industrial areas. Typical metal roofs are durable, stylish, fire-proof, relatively low maintenance, and robust enough to withstand severe winds and prolonged wear and tear. However, they may not be the best fit for a metal roof. For example, nylon gutter guards tend to be more resistant to snow and ice accumulation. Gutter guards vary in suitability for different roofing materials. Final Thoughts How to Choose Gutter Guards for a Metal Roof ![]() Overcooked! 2 knows exactly how devilish it is, but there's a fun blend of relief and accomplishment that comes with turning yourself and your partner into a less-than-well-oiled kitchen machine and surviving a particularly chaotic level. There's a good chance you and your partner will go full Gordon Ramsay on one another if you play long enough without a break. The result is a series of mad scrambles that thoroughly test your ability to communicate under increasingly heavy layers of pressure. Also, you can fall into bottomless chasms. Then parts of the levels start moving around. Then you need to wash the dirty plates before anything else can go out. ![]() Conceptually, this is simple: you merely have to grab the correct ingredients from the kitchen, cook or chop them as needed, put everything together, then send the dish off. Overcooked! 2 situates you and up to three partners as chefs tasked with preparing many different meals. In any case, people have been bonding over rounds of Mario Kart for nearly three decades, and Mario Kart 8 Deluxe gives them no reason to stop. It's also possible (if not ideal) to play in split-screen using one set of Joy-Con controllers. ![]() On top of all that, there are genuinely useful accessibility features for kart-racing newbies, including a "smart steering" assist that helps keep you from smashing into guardrails. (Except you, Metal Mario, you weirdo.) By this point, Nintendo has solved the science required to make driving a video game kart at high speeds as smooth as possible. The same goes for the cast of Nintendo characters, who are as expressive and lovable as ever. Every track is stuffed with enough personality to make simply driving around and looking at the scenery a joy. The layouts are diverse enough to keep each race from feeling too similar. Mario Kart 8 Deluxe is an iteration at its core, but its selection of courses is among the series' most charming. ![]() The blue shell remains one of gaming's most fearsome equalizers. Those who put more into it will see their skills rewarded, but the threat of that patented Mario Kart "BS" is always lurking around the corner, eager to level the playing field. (Ars Technica may earn compensation for sales from links on this post through affiliate programs.) Mario Kart 8 Deluxe is a 4-year-old upgrade for a 7-year-old Wii U game, but it's Nintendo's best-selling Switch title for a reason: it's inviting to players of all experience levels, both in how it plays and how it presents itself. And because it's broken up into clearly defined levels, Luigi's Mansion 3 is a game you can drop and revisit at your leisure. Everything about the game looks gorgeous, like a playable Pixar movie. Barreling into a room with your "Poltergust" vacuums and sucking up everything in sight is both silly and consistently satisfying. But even compared to other Nintendo games, this is a game with character, from Luigi's adorable looks of terror to the distinct designs of each hotel floor and ghost boss you meet. Luigi's Mansion 3 as a whole has issues: aiming your ghost-sucking vacuum can be frustratingly imprecise, and there are some tedious sequences that force you to backtrack through previously conquered levels for little added benefit. The game isn't particularly difficult, and because Gooigi is an essential part of solving many of the game's puzzles, your partner won't feel like a mere accessory while you do all the work. This gives them the freedom to fool around and die repeatedly without forcing you both to restart levels and boss fights. If your partner isn't well-versed in typical game mechanics, they can control "Gooigi," a Luigi clone made of green goo that has a lower health pool but infinite lives. Its two-player mode isn't available until an hour or so into the story, but at that point the rest of the game becomes one of the most accessible co-op campaigns in recent memory. (Ars Technica may earn compensation for sales from links on this post through affiliate programs.) Luigi's Mansion 3 tasks Mario's sheepish little brother with rescuing his friends from the clutches of a haunted hotel. |
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