![]() This is where a household budget is helpful, as it gives you a clear idea of how much money you have left after you’ve paid for the essentials. Many clients who come to Way Forward have landed in financial trouble for this simple reason: they’ve spent more money than what they earn, sometimes without realising. Speak to your provider immediately when you’re struggling – tackling the issue early on will also limit impacts to your credit rating. Most lenders and service providers have hardship teams and options to offer their customers unable to pay. Not speaking to the provider if you can’t pay a bill.As most of the short-term credit options have surprisingly big interest rates, you can easily get in trouble maxing your credit limits or picking up more credit to pay the bills. Taking on more credit to pay for credit can land you in financial hardship. This is where the Way Forward budget tool comes handy as it encourages you to take a longer-term view of your money and also, understand the monthly cost to an infrequent expense. This is when you might be hit with an ‘unexpected expense’ as you didn’t save up for the expense before it was due. ![]() For example, if you get paid monthly, you might budget for the month ahead but forget to consider the big bills that come through less frequently. This can leave them vulnerable to financial hardship. Many people have a short-term view when it comes to their finances and live paycheck to paycheck. If your provider won’t offer a better deal, do your research to establish if a competitor might. Contacting your lenders and service providers to negotiate a better deal is a guaranteed trick to save money. Explore discounts with lenders and service providers once a year.Australia is blessed with countless options to enjoy our free time without breaking the bank – from camping to museums, galleries, city festivals, markets, hiking, swimming, beaches and so on. You don’t need to stop enjoying life as long as you’re being smart and savvy! For example, we often consider a holiday as a big investment but many things don’t cost as much as you think. Sometimes it’s too easy to dip into your savings account – consider opening a savings account with another bank so you’re less likely to use the funds. Set up a savings account with automated transfers – and don’t touch it! Setting up a savings account with automated transfers on payday is a great way to save money, hassle free.This will help you avoid using credit when big bills arrive uninvited – and protect you from financial hardship in the long-term. Then you can pull funds from your account when they land. To combat this, figure out your big expenses and save towards them ahead of time using automated transfers to a separate bills account. Let’s face it, we all have big ticket items when it comes to expenses that can take us by surprise. Set up an account for your bills with automated transfers.It’s all about flipping to a positive mindset instead of dwelling on the negatives. Setting a clear goal keeps most people on track and makes the whole process feel nicer. It will be easier to stick to a budget or a savings plan if you have a long-term goal in mind. Asking for assistance early on is likely to present more opportunities before financial problems begin to escalate. Whilst you may be able to manage changes to your income in the short-term by using savings or more credit, the circumstance can quickly deteriorate. This might seem obvious but can present a challenge due to changes in personal circumstances such as job loss. Make sure your income is more than your expenses.This budget planner is intended only as a helpful guide by assisting you in understanding your personal financial position.įor inspiration, our team of hardship advocates have prepared some of their top tips and mistakes to avoid when budgeting. ![]() Once completed, you can submit your details below to receive a copy of your personal budget for your records via email.įor additional information, tips and more, see below for our FAQ on budgeting. As you enter your details, it will be automatically saved and you can change the time period as needed ( weekly, fortnightly, monthly etc )Ĭlear your data by clicking reset at the bottom. Note if you clear your browser cache or history, you will reset the budget planner and lose the information you’ve inputted. Use this personal budget planner on one device to build a comprehensive overview of your household budget. Using it is simple – just enter your income and expenses to find out where you are spending your money and how much money you have left to save or help repay your debts. Our interactive free budget planner tool helps you understand your current financial situation. Being across your household budget is an important part of staying on top of your finances. ![]()
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![]() ![]() McKnight is known for his songs from albums such as Brian McKnight (platinum debut) Anytime and. It was a limiting showcase, but even so, Tyrese got by with an appealing mixture of romantic sincerity and engagement with his audience. For example the Shipping Zip/Postal Code has a length of 20. MTV’s renaissance man, veejay-model-singer Tyrese, opened the show with a genial karaoke act and worked hard to charm the crowd, considering that he had only canned tracks to sing to, and no live band. It made unfortunate sense that the accompanying tour was sponsored by Sears, a merchandiser that stocks everything and specializes in very little. Superhero sounds like McKnight abandoning his melodic instincts for an attempt at gentrified, all-encompassing superstardom. Introduced by a video clip featuring celebrity sports-news anchor Stuart Scott, the McKnight band opened with the new album’s title track, a rock-pop cypher whose cloying vocal harmonies sounded suspiciously doctored, as if somebody at the soundboard were rolling pre-recorded tape while the backing singers onstage mimed along.īut his varied history, from church musician to jazzy interpreter to pop journeyman, should be producing more interesting music. Like Boone in the ’50s, copying what’s popular and draining it of flavor for decency’s sake, McKnight on Superhero borrows from contemporary music and, apparently lacking his own vision, just tidies up the arrangements and substitutes cleaner lyrics. ![]() ![]() McKnight, who performed on Sunday night for about 1,000 people at Sunrise Musical Theatre, has gone from polite and pop-savvy to opportunistically bland with his new Motown album, Superhero. Lately, however, he sounds more like Pat Boone. You can request for old songs and Albums here SONG REQUEST. His hit albums Anytime (1997) and Back at One (1999), both on Motown Records, played like PG-13 outlets for anyone put off by the cruder pronouncements of R. ALBUM: Brian McKnight Back At One Zip Back At One is another brand new Album by Brian McKnight Stream & Download ALBUM: Brian McKnight Back At One Mp3 Download. The gospel-trained Grammy nominee has spent the last decade trying to clean up a genre soiled by artless vulgarity and bad taste. Zip Have you bought anything else ay mail in the past: D 6 months D Year Never. Male r&b needs a few gentlemen, and Brian McKnight knows it. Brian McKnight: Anytime (Mercury) 20974 Jars Of Clay: Much Afraid. ![]() ![]() ![]() Life Insurance The Federal Employees' Group Life Insurance ( FEGLI) protects your family from financial hardship in the event of your death. Dental & Vision insurance, flexible spending accounts and long term care are also available. The comprehensive package is designed to provide employees with the tools and care they need to be happy and healthy at work and at home.įederal benefits include: Health Insurance Depending on the type of appointment, employees may enroll in one of several health plans that fit your health needs, with the Federal Government contributing approximately 60-75 percent of the premiums. It includes a variety of insurance, retirement, leave and flexible spending options for employees and their families.
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Curlz MT Monogram Wax Seal Stamp - Select Size, Handle & Trim. ![]() Wax seals were either a design or an initial placed on a letter as a mark of genuineness or authenticity by being closed with a wafer of molten wax into which was pressed the distinctive seal of the sender.Įach seal measures 1" tall by 5/8"" wide and is suspended on a matching chain in your desired length. Custom Wax Seal Stamp Personalized Envelope Seal Stamp Add Logo Text Name for Wedding Party Invitations Packing Decor - Initials A-Z Name 119 899 Save 5 with coupon 7. Courier New Monogram Wax Seal Stamp - Select Size, Handle & Trim. I found a beautiful antique watch fob which I added a blank to the bottom, then cast it in solid bronze and silver white bronze and is not only an unique necklace but could also be used to seal your secret message. Customizable Wax Stamp by kevinbragg - Thingiverse Download files and build them with your 3D printer, laser cutter, or CNC. And front and center is the customizable wax seal and wax seal stamp. Finally I am thrilled to have combined my wax seal stampers our ability to engrave custom designs, names, you dream it we can do it! This necklace becomes your personalize wax seal stamper and an amazingly unique piece of jewelry! am so pleased with how they have turned out. With six different renders of 3D scenes, you won’t run out of ways to use this wax seal mockup. Hover Wax Seal Stamp Retro Wood Classic Sealing Wax Stamps Envelope Decor. My wax seal stamper necklaces have been so much fun to create, I have been asked by customers if I would be expanding the line to include customs designs. Custom self adhesive wax seal stickers jar labels black scented candles. Custom Wax Seal Necklace by Gwen Delicious Jewelry - Usable Seal Stamp ![]() ![]() ![]() ![]() Miss Vicki currently manages a luggage store in New Jersey. ``She called me a few weeks ago and said, `Let's bury the hatchet,' '' he said. Tim said he and Miss Vicki began talking to each other again only recently. By the time the divorce became final in 1977, Miss Vicki was working as a gogo dancer and Tim was living with his mother. But within two years, the couple had separated, and Miss Vicki filed for divorce. In May of 1971, a daughter, Tulip, was born. The first indication that life would not be a magical stroll through the tulips came the following May when Miss Vicki suffered a miscarriage. 17, 1969, when Tiny Tim married Vickie ``Miss Vicki'' Budinger in a ceremony performed live on ``The Tonight Show.'' In 1968 alone, he appeared regularly on television's ``Laugh In,'' his signature tune, ``Tiptoe Thru the Tulips With Me,'' was a hit record, and his album, ``God Bless Tiny Tim'' sold millions.įollowup records, including a falsetto ``Great Balls of Fire'' were more modest hits, but it was his weirdo factor that kept Tiny in the public eye. After years of laboring on the fringes, desperate to break into the big time, Khoury found his niche. Herbert Buckingham Khoury was born Apin New York City and grew up to become what might charitably be described as a character. But just as quickly as he arrived, it seemed, he was gone. With his long, curly hair hanging in his face, and his brightly colored, psychedelic clothes barely disguising his hulking girth, Tiny cut quite a figure, even in the anything-goes late '60s.įor a couple of years, he was everywhere, strumming his everpresent ukulele (left-handed, no less), singing pop standards in a falsetto voice, and dispensing nuggets of his own brand of flower-power philosophy. But I've heard some of my tapes that go back as far as 1974, and I'm fortunate to be working in this business.'' He makes no claims other than being someone who once made it - in a real big way. ![]() They live in Savannah, Tn.Still unfailingly polite, as well as self-effacing, Tiny Tim is also honest about his place in the entertainment world. She was profiled in a Februarticle in the Chicago Tribune at that point, she was running a boutique in Maple Shade Township, New Jersey.She was married to a high-school sweetheart (Jon Benson) in the summer of 2006. ![]() She gained notoriety when she posed nude for the October 1975 issue of Oui Magazine.She made headlines (as Victoria Lombardi) in 2002 as the girlfriend of Rabbi Fred Neulander, who was on trial for the murder of his wife, and was living in Haddonfield, New Jersey at the time. She filed for divorce on Mathe divorce was granted in 1977. Against Tim's wishes, Miss Vicki struck out on a modeling career, and began an affair with male model John Carmen. Johnny Carson invited him to have the wedding televised.The couple's first child was stillborn, but the couple had a girl, Tulip Victoria, on May 10, 1971. They conducted long-distance relationship by phone as he toured he asked her to marry him in August and announced the engagement on The Tonight Show Starring Johnny Carson in September. He was smitten, tracked her down and arranged another meeting. The couple honeymooned in Bermuda.The couple met when Budinger, a fan, asked Tiny Tim to sign a book of his poetry at Wanamaker's Department store in Philadelphia, Pennsylvania on June 3, 1969. The cake was seven feet tall, and 10,000 tulips were used as decoration. Victoria May "Miss Vicki" Budinger (born 1952), briefly famous as Tiny Tim's wife, was seventeen years old when she married the singer, who was more than twice her age, on The Tonight Show on December 17, 1969.The wedding was seen by an estimated 40 million viewers. ![]() ![]() ![]() Capcom 2 and I've often wondered just how crazy. ![]() Her ability to steal the powers of other characters could make her one of the most versatile character in fighting games. Hyper: PLEASE HELP ME ( several rogues pop in to kick the opponent ass)ĮX: A tiny rogue walks around following her.Can grab to the sides of the stage and hop on opponents heads. Rogue is a fun and powerful character that has an interesting mechanic that makes her quite unique. Super: Death phrase as a normal move ( guitar riff)ĮX: lamarta follows her, gains teleport, gains some slashing moves. shakes butt as taunt.Įx: air run, walk has the invicibility frame.Įx: some punches create pillars of energy, gains teleports.Įx: gains energy field for block, has electrical effects on the throw Hyper:ground smash with electric wave dischargeĮx, any button other than weak buttons left pressed, leaves a trail of electricity that adds one hit to them. ![]() Her ground hp gains the punching ground anim with the bloody hands from jedah hpĮX:gains his stretching Hard punches, can teleport when pressing back back on the edge of screen, jumps are floaty, I would joke about having her divide herself in two, and legs and hands attacking separately but that would look weird.Įx: dash becomes a low one with water effects, gains claws on hpītw for that overdrive mode i suggested, she could have a pulsing palette, like gill.Įx: growling sounds all around, with a afterimage. Super: Ira Spinta ( that aerial throw he has, that can be cancelled into a giant rotative blade) Gets a trail of sprinkly powder when jumpingĬrouching HK is a sliding kick with a bladed foot. View the memberlist Search For Members Login Register The Mugen. ![]() ![]() ![]() These photophores produce bioluminescence and make firefly squid look like they have neon lights all over their body. They have photophores on their head, arms, mantle, and at the end of tentacles. ![]() They have eight arms and two tentacles, each with a sucker and hooks. Where it can be found: Coastline of Japan firefly squid has a neon-light bodyįirefly squid is small and is 7 cm long. Why they use bioluminescence: To protect themselves from predators, communication, and attract their prey They use bioluminescence to deceive their predators. They have protocytes under their cilia, and when they move, the comb-like plates diffract light to produce a shimmering bluish rainbow effect. They have oval-shaped, transparent bodies with eight rows of comb-like plates with infused cilia on them. Where it can be found: All of the world’s ocean comb jelly has a blue rainbow glowing platesĬomb jelly varies in size depending on the species, but they can reach a maximum length of 12.7 cm. They employ this bioluminescence to attract their prey. They have photophores on the sides of their bodies and a long rod with white glowing tips at their chin. They have big mouths and sharp, curving teeth. Scaly dragonfish can grow up to 32 cm long. Where it can be found: Australia Scaly Dragonfish has a glowing tip at its chin Why they use bioluminescence: To attract prey They have bioluminescence bacteria on the underside of their body, thus producing bioluminescence by glowing the same shade of light illuminating at water above, thus, allowing the squid to hide from the predators who attack from below. They have big brains compared to their body size and have mottled in color. They live on the shallow coast of Hawaiian Island at a depth of 0.06-0.09 feet. Hawaiian bobtail squid mantle ranges up to 3.5 cm in length. Where it can be found: Pacific oceans, especially the Red Sea Hawaiian bobtail squid has a glowing mantle They have light-producing organs on their bellies called photophores, through which they exhibit bioluminescence by glowing blue to confuse predators who attack from below. They are slim, with a large round head and large eyes. They live at a depth of 1,200 to 2,600 feet in a twilight zone in the ocean. Lantern fish range in size from 2 to 30 cm in length. Where it can be found: All oceans of the world, especially the Red Sea The Lantern fish has a glowing belly and face Why they use bioluminescence: To protect themself from predators Only female Angler fish exhibit bioluminescence by glowing whitish-blue lures dangling on their forehead and use this bioluminescence to attract prey toward them. They have big mouths and sharp teeth that can swallow prey twice their size. They live at a depth of 6,600 feet in a deep ocean with complete darkness, where no light can penetrate. Where it can be found: Deep Atlantic and Antarctic oceans The Angler fish has a glowing lure on its foreheadĪngler fish range in size from 2.8 centimeters for males and 29 centimeters for females. Why they use bioluminescence: To catch a prey Most bioluminescence creatures produce blue-green light, a color that transmits best in ocean water. Bioluminescent creatures have a specific chemical called luciferin, and when it reacts with oxygen, it produces light.Īround 76% of ocean animals are bioluminescent. It occurs through a chemical reaction that produces light energy within an organism’s body. Many ocean creatures use bioluminescence to catch prey or protect themselves from predators and use it to attract mates.īioluminescence is the production and emission of light by living organisms. The world ocean is teeming with mystical glowing creatures called bioluminescence creatures that glow in the deepest depths of the oceans and light up the darkest part of the oceans. ![]() ![]() ![]() According to BBC, Yang was "one of the first and most recognizable East Asian-Americans in history to run for president". He ran on the slogans "Humanity First" and "Make America Think Harder" (MATH). The campaign began with a small initial staff working out of an apartment owned by Yang's mother. Andrew Yang was the second Democrat to announce his candidacy for the presidency. Yang's candidacy began on November 6, 2017, when he filed with the Federal Election Commission to participate in the Democratic primaries. His book, The War on Normal People, is displayed. Campaign 2017–18 Yang makes a speech in New Hampshire in January 2019. Andy Stern's book, Raising the Floor, further persuaded Yang to support UBI. Yang stated that he first took an interest in universal basic income (UBI) after reading Martin Ford's book Rise of the Robots. ![]() ![]() Yang stepped down as VFA's leader in March 2017. In 2015, Obama further recognized Yang as a " Presidential Ambassador for Global Entrepreneurship". In 2012, President Barack Obama recognized Yang as a "Champion of Change" for his work with VFA. ![]() In 2011, Yang founded Venture for America (VFA), a nonprofit organization that encourages entrepreneurship by matching recent college graduates with startups in various cities across the United States. He then attended Columbia Law School, earning a Juris Doctor in 1999. Yang graduated from Brown University in 1996, concentrating in economics and political science. Yang's other policies included the decriminalization of opiates and legalization of cannabis, support for abortion rights and LGBT rights, and stricter gun control measures. Yang proposed a version of the Green New Deal that would have reduced dependence on fossil fuels through policies such as a carbon tax and support for nuclear power. On electoral reform, Yang supported ranked-choice voting and the implementation of democracy vouchers to drown out corporate donations. Yang initially supported Medicare for All, but later proposed preserving private health insurance. Another key aspect of his candidacy was what he called "Human-Centered Capitalism", which would have replaced several traditional economic metrics with an "American Scorecard". To remedy this, Yang proposed the "Freedom Dividend," a monthly UBI of $1,000 to every American adult. Yang's campaign strongly focused on the displacement of American workers through automation, a problem Yang stated was a major reason Donald Trump won the 2016 presidential election. In 2020, Yang did not meet the polling requirement for the seventh debate, but he later qualified for and participated in the eighth debate. Yang qualified for and participated in all six Democratic primary debates held in 2019. Yang raised about $41.6 million over the course of his campaign, with the vast majority of donations occurring during the final months of his candidacy. Yang's rise in notability was accompanied by the development of a devoted online fanbase that was known as the "Yang Gang". Yang's profile significantly increased in early 2019 after appearing on the popular podcast The Joe Rogan Experience he later appeared on numerous other podcasts, shows, and interviews. In April 2018, Yang released The War on Normal People, a book discussing job displacement, automation, and universal basic income (UBI), which were central to his campaign. With no prior political experience and low public recognition, Yang was widely considered a longshot candidate by the media during the early stages of his campaign. On March 10, 2020, Yang endorsed Joe Biden for president. Yang suspended his campaign on February 11, 2020, the night of the New Hampshire primary. The 2020 presidential campaign of Andrew Yang, an attorney, entrepreneur, and the founder of Venture for America, began on November 6, 2017, when Yang filed with the Federal Election Commission to participate in the Democratic primaries. 2020 United States presidential election ( Democratic Party primaries) ![]() ![]() ![]() TechSmith is a simple and free screenshot app for Windows 11/10 that also allows you to capture basic screenshots and record screen. You can use it to capture and edit screenshots or capture your screen and camera. Snagit is a powerful screenshot app that lets you capture images and videos on Windows 10/11 PC. with the built-in image editor, enhance the images by adding effects, and more. You can annotate and highlight your images, add text, arrows, shapes, etc. You can use it to capture screenshots of an entire screen, an active window, the scrolling windows, or any specific region of your desktop. PicPick is also a full-featured capture tool. It is a full-featured capture tool that offers many functions. ShareX not only lets you capture screenshots but also record your computer screen. It lets you annotate screenshots and share the recordings instantly. You can use it to take screenshots or record your screen with ease. ScreenrecĪnother top free screenshot app for Windows is Screenrec. It allows you to capture and share images instantly. It works on Windows, Mac, Linux, and Chrome. Markup Hero is a free screenshot and annotation tool made for the web. It also allows you to resize the screenshot, add text to the screenshot, etc. You can also annotate the screen while recording or annotate and edit the video after recording.įor screen capture, you can capture a screenshot of the page you visit, the full page, selected area or visible part, capture your entire screen or a specific application window. It allows you to save the recordings to a local disk or your online account. 10 143 In this guide, we’re exploring the best screenshot tool for Windows users, to make it easy to take quick snapshots and screen grab while you’re in a game or just browsing the Internet. You can choose video resolutions from 720p, 1080p, or 4K. You can also include your voice in recording with the Microphone option on and include your face in your video by embedding your webcam. It lets you record your desktop, current tab, or camera only. You can add this screenshot extension to your Chrome browser. Awesome ScreenshotĪwesome Screenshot is a 2-in-1 screen recorder and screenshot tool. You can export the screenshot to file, send it to the printer, copy it to clipboard, etc. It lets you easily annotate, highlight or obfuscate part of the screenshot. You can even capture the complete web pages from the browser. You can capture a screenshot of your screen using the Snipping Tool followed by. You can select a region, window, or full screen to capture. Snipping Tool is an application included in Windows OS. It lets you quickly select a region and create a screenshot. ![]() Greenshot is also an awesome screen capture tool that lets you take screenshots on your PC with ease. You can also share screenshots via the Internet or edit screenshots instantly. ![]() It allows you to select any area on your desktop and take a screenshot. This popular free screenshot app lets you fast take a customizable screenshot on PC or Mac. ![]() |
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