Next, you’ll need to click on the “Expense Input” tab at the bottom of the sheet. Filling these columns out will automatically complete the “DIFFERENCE” column and show you your total income. You’ll need to fill out both the “ESTIMATED” and “ACTUAL” columns. This includes various income sources such as your regular paycheck, earnings from investments, bonuses, and more. Here you’ll see the full list of income categories. Start by clicking on the “Income Input” tab at the bottom of the spreadsheet. To start, you’ll need to click the “Download” button to download our simple monthly budget template, then open it with Microsoft Excel or Google Sheets. Our simple budget template uses categories for your income and expenses, which you can use to track how much money is coming in and going out each month. Get Started Today Budgeting Using a Simple Budget Template The Mint Mobile app: Learn how to automate the budget set up process you’d complete with the templates in the app instead.A Detailed Budget Template: Learn how to use this template that uses the same categories as the Mint app, plus all the details.A Simple Budget Template: Learn how to use this template that uses the same categories as the Mint app without going into detail.There are three core budgeting methods we’ll review in the post: The categories used within the budgeting templates match those you’ll find in the Mint app, so it’s easy to transition over if and when you’re ready to automate your budget. If you’re a fan of automation, you can also set up the exact same budget and automatically track your finances over time using the Mint app. In this post, we’ll walk you through how to utilize both the simple and detailed budgeting templates. All Rights Reserved.Looking for a budgeting template to take control of your finances? If you have any questions, feel free to send me a message through Etsy. * FOR PERSONAL USE ONLY- files may not be shared, re-sold, or used commercially. * Due to the nature of the product, there are no refunds, exchanges, or cancellations. * After your purchase is completed, you will get a PDF that will explain how to access your file. * For more detailed information on how to download a digital file on Etsy, click here: * You can also find your download under "Purchases and Reviews" on your Etsy account. * You will receive an email with a link to download your file. * Downloads are available once your payment is confirmed. **If you need a different currency, send me a message on Etsy! ✓✓ BONUS: BUDGET CALENDAR tab: Interactive calendar that updates with month and year! This will help you keep track of your expenses and stay on top of bills! ✓ EXPENSE TRACKERS: use the expense trackers of each budget spreadsheet to record your variable expenses (groceries, entertainment, dining out, fuel, etc.) you incurred during the budget period. ✓ INTERACTIVE CHARTS: These help you understand how you distributed your income during the period. ✓ BUDGET BY PAYCHECK (5) tabs: Track up to 5 paychecks per month. ✓INSTRUCTIONS tab: Easy-to-follow instructions and pictures on how to use the budget by paycheck template. This Budget by Paycheck Spreadsheet includes: **If you need the Excel version of this budget by paycheck template, you can get it here: No special software is required, you only need a Google account to start using this paycheck budget template. This paycheck budget spreadsheet for Google Sheets will allow you to track your bills, and stay on top of your savings and debt repayment.Īll calculations are done for you, all you need to do is fill in your income, bills, expenses, savings, and debt payments. You can use this budget spreadsheet template for weekly or bi-weekly budget. This Budget by Paycheck Google Sheets template contains all you need to make budgeting easy! Organize your finances with this Budget By Paycheck Spreadsheet.
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The app has a large library of a host logic pro x 4.5 free download music to choose from. GarageBand is a reliable DAW that is used widely around the globe. It is easy to handle and gives great results. You can record or edit a sound from your computer. It is free to download and provides you with a multitude of features. Considering its features, the app is por a very good substitute you might try. If you feel Logic Pro is a bit too much, downloda opt for Audacity. It does a lot more than just cutting, trimming and joining audios. It carries great features which are beneficial for beginners as well as professionals. Despite an arduous installation process, the app is worth every bit the hardship. So to ensure smooth running of the app, it would be better to check whether your device meets the following requirements. Donload we have mentioned, you cannot install the app directly on your PC.įor that you need to take the route of a virtual machine. While that means you cannot install the app directly on any Windows PC, there is another way round. That does not bode well for Windows users. Unfortunately, despite its brilliance the app is only available on iOS devices. It ranges from software instruments, audio effects to recording facilities. The application comes packed fre a variety of features necessary for professional use.
O’Toole, Fintan (2003) ‘Irish Culture in a Globalised World’, in Munira H. Ó Súilleabháin, Muiris (1933) Fiche Blian ag Fás (Baile Átha Cliath: Clólucht an Talbóidigh). Ong, Walter (1982) Orality and Literacy: The Technologising of the Word (London and New York: Routledge). Ó Háinlé, Cathal (1993) ‘Deformation of History in Blasket Autobiographies’, in James Noonan (ed.), Biography and Autobiography: Essays on Irish and Canadian History and Literature (Ottawa: Carleton University Press). O’Dowd, Mary, and Sabine Wichert (1995) Chattel, Servant or Citizen: Women’s Status in Church, State and Society (Belfast: Institute of Irish Studies). (1929) An tOileánach.eag (Baile Átha Cliath: C S Ó Fallúin i gcomhar le hOifig an tSoláthair). Ó Criomhthain, Tomás (1928) Allagar na hInise (Baile Átha Cliath: C S Ó Fallúin i gcomharle hOifig an tSoláthair). Ó Conaire, Breandán (1986) Language, Lore and Lyrics (Blackrock, County Dublin: Irish Academic Press). Noonan, James (1993) Biography and Autobiography: Essays on Irish and Canadian History and Literature (Ottawa: Carleton University Press). Wills (eds), The Field Day Anthology of Irish Writing (Cork University Press), vol. Ní Dhuibhne, Eilis (2002) ‘International Folktales’, in A. Myers, Kevin (2002) ‘An Irishman’s Diary’, The Irish Times, 4 April. Mutran, Munira H., and Laura P.Z Izzara (2003) Kaleidoscopic Views of Ireland (São Paulo: Humanitas/FFLCH/USP). Murphy, Maureen (1997) ‘The Fiannula Factor: Irish Sibling Emigration at the Turn of the Century’, in Bradley and Valiulis. Mullin, Angela (2007) ‘Daniel O’Hara Goes Paddywhackery’, Irish Film and Television Network, 18 October. Moore, Pat (Fr) (1998) Letter, The Irish Times, 6 April. Mac Curtain, Margaret (2008) Ariadne’s Thread (Galway: Arlen House). Geburtstag (Cologne, Weimar and Vienna: Böhlau). Schrutka-Rechtenstamm (eds), Kulturen - Sprachen - Übergänge. (2000) ‘Change and Transition in the Folk Narrative Environment in Ireland in the Nineteenth and Twentieth Centuries’, in G. Lysaght, Patricia (1999) ‘Traditional Storytelling in Ireland in the Twentieth Century’, in Margaret Read MacDonald (ed.), Traditional Storytelling Today (Chicago and London: Fitzroy Dearbon). Hogan, Dick (1998) ‘A Feminist Peig Sayers Chaffed at Being a Chattel’, The Irish Times, 3 January: 2. Harvey, Clodagh Brennan (1989) ‘Some Irish Women Storytellers and Reflections on the Role of Women in the Storytelling Tradition’, Western Folklore, 48.2, 109–28. ĭeane, Seamus (1997) Strange Country: Modernity and Nationhood in Irish Writing since 1790 (Oxford University Press).įerriter, Diarmaid (2004) The Transformation of Ireland 1900–2000 (London: Profile Books).įoster, John Wilson (1987) Fictions of the Irish Literary Revival (Syracuse University Press). (2007) ‘Re-Reading Peig Sayers: Women’s Autobiography, Social History and Narrative Art’, in Patricia Boyle Haberstroh and Christine St Peter (eds), Opening the Field: Irish Women Texts and Contexts (Cork University Press).ĭaly, Donnachada (2007) ‘Peig’, The Daly Blog. IV.īradley, Anthony, and Maryann Gialanella Valiulis (1997) Gender and Sexuality in Modern Ireland (Amherst: University of Massachusetts Press).īunreacht na hÉireann - Constitution of Ireland (1937) (Dublin: Government Publications Office).Ĭaball, John (1987 ) The Singing Swordsman (Dublin: The Children’s Press).Ĭollins, Barry, and Patrick Hanafin (2001) ‘Mothers, Maidens and the Myth of Origins in the Irish Constitution’, Law and Critique, 12.1, 53–73.Ĭoogan, Tim Pat (1993) De Valera: Long Fellow, Long Shadow (London: Arrow Books).Ĭoughlan, Patricia (1998) ‘Peig Sayers and Feminism’, Letters, The Irish Times, 14 April. IV.īourke, Angela and Patricia Lysaght (2002) ‘Life Stories’, in A. (2002b) ‘Spirituality and Religion in Oral Tradition’, in A. (n.d.) ‘Peig Sayers Problem Page’.īourke, Angela (1997) ‘Language, Stories, Healing’, in Bradley and Valiulis. Almqvist, Bo (1990) ‘The Mysterious Micheál Ó Gaoithin, Boccaccio and the Blasket Tradition’, Béaloideas, 58, 75–140.Īnon. The story is a new direction for the series, as it is loosely based on. Worth a look regardless. It is the eighth installment in the God of War series, the eighth chronologically, and the sequel to 2010s God of War III. And Dave Grohl can't cost double the Foo Fighters). Each book in this ultra-popular graphic novel series features a different Greek god or. This is a God of War 4 Wiki and Strategy Guide page containing walkthroughs, strategy guides, tips and tricks for the new action adventure game developed by SIE Santa Monica Studio and published by Sony Entertainment Interactive for the Playsation 4. And though these may be more accurate than the first list, there are still some problems here (Pink Floyd isn't playing, period. This graphic novel series is great for young people in grades 4-9. Remember, these amounts are not what a band gets for playing a show amidst a tour, but rather what they might ask for to fly into some random city for a one-off performance. This guide will include everything from paths. Among the talent you will find is Bad Religion, Black Sabbath, Bring Me The Horizon, Faith No More, Judas Priest, Korn, Mastodon, Megadeth, Metal Church, Primus, Queens of the Stone Age, Rage Against The Machine, Rob Zombie, Slayer, Soundgarden, Suicidal Tendencies, Tomahawk, Tool, and Volbeat. updated This God of War Walkthrough contains details on how to complete the thirteenth step of your journey - A Path to Jotunheim. 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That’s why disposing of all moss balls is vital, as well as the water they’ve been in. “Just because you don’t see a mussel, doesn’t mean its tiny offspring are not there. Published Sunday, Ma4:36PM MST Aquarium owners who have recently received moss balls for their tanks are advised to check them for zebra mussels, an invasive species. “Every moss ball returned helps prevent the potential spread of zebra mussels,” said Josh Leonard, Game and Fish aquatic invasive species coordinator. Photo: Courtesy of Wyoming Game and Fish Department Game and Fish Headquarters, 5400 Bishop Blvd., CheyenneĪnyone who returns a moss ball can scan a QR code at the drop-off site to enter into a raffle to win $1,200. What are moss balls The moss balls found to be contaminated with zebra mussels are known as Marimo moss balls and are not composed of moss, but a green algae (Aegagropila linnaei)that is formed into a ball and is 2 to 5 inches in diameter.Game and Fish Laramie Regional Office, 1212 S.Game and Fish Casper Regional Office, 3030 Energy Ln., Casper If zebra mussels are found on any moss balls in containers or in aquariums, infested moss balls and packaging should be frozen for 24 hours, boiled for one full minute, or submerged in.Game and Fish Lander Regional Office, 260 Buena Vista Dr., Lander.Fish and Wildlife Service and Utah DWR urged these. In early March 2021, it was discovered in moss balls sold at aquarium and pet supply stores in Canada and the U.S. On March 6, national chain PetSmart issued a notice to customers stating, 'We are voluntarily withdrawing the Marimo. 1 to destroy them since they may contain live zebra mussels, an invasive species. Game and Fish Green River Regional Office, 351 Astle Ave. The zebra mussel (Dreissena polymorpha) is a fresh-water mollusk native to Eurasia that disrupts aquatic ecosystems and water infrastructure. to purchase, possess or transport zebra mussels. The Alberta government says it needs people who bought moss balls since Jan.Game and Fish Pinedale Regional Office, 432 E.Game and Fish Jackson Regional Office, 420 N.Game and Fish Cody Regional Office, 2820 Highway 120, Cody.Game and Fish Sheridan Regional Office, 700 Valley View Dr., Sheridan.Johnson County Emergency Management, 26 N. Oftentimes, their work is sold at over a 90% discount. However, they are always offering significant markdowns on their merchandise. In actuality, Easy Canvas Prints boasts pretty steep base prices. Are their deals really too good to be true? In fact, the prices that I found were so incredible that I couldn’t help but feel a bit skeptical. One of the most appealing aspects of an Easy Canvas Prints canvas is its supposed affordability. Working with canvas can be a really intimidating feat, but this website has managed to present its products as approachable, easy to take on pieces. But for the most part, Eas圜 made some excellent UI choices. Personally, there were a few areas in which I found myself wishing for some more advanced editing options. Easy Canvas Prints’ discounted prices make it one of the most affordable canvas options around. Clicking on a designated space prompts an upload dialogue box which automatically inserts your desired file into the preview. Making adjustments turned out to be pretty simple. These options also included interactive online previews (though without the scaled living room setup). 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When you buy through links on our site, we may earn a commission at no cost to you. The new season of Schimigadoon! airs April 5 on Apple TV+.Ĭopyright © 2023, ABC Audio. Dove Cameron, who portrays Betsey McDonough in Schmigadoon, has a lot of TV credits. Although not much is known about the character, fans can expect her to embody the same free-spirited and carefree. “It felt very much like being a part of live theater in a time where there was no live theater,” she shared. Dove Cameron plays Jenny Banks, a parody of Sally Bowles from Cabaret. “It’s an anthology,” Dove told Today of the musical comedy, adding, “So you come back each and it’s a different storyline different characters.”ĭove noted that while season one explored musicals of the 50s and 60s, this new tale honors those that took over Broadway in the 70s.ĭove also revealed, “We shoot all of the numbers live,” which brought some encouragement to the cast when filming the first season, which took place during the height of the pandemic. Also, while the Apple TV+ series is titled Schmigadoon!, which is the setting of the first season - a play on the classic Broadway musical title Brigadoon - season two is set in “Schmicago,” an obvious play on the musical Chicago. This time, Dove will trade in the blonde pigtails to star as Jenny Banks, a nightclub performer. Starring Cecily Strong, Keegan-Michael Key, Dove Cameron EPISODE 2 Lovers’ Spat After realizing that they cant leave together, Josh and Melissa break up and start looking for romance around town. Dove Cameron returns to the new season of Schmigadoon! as a new character who is a little more sultry than the affable Betsy. ‘Schmigadoon’ is filmed in its entirety in Canada, especially in British Columbia. Depending on the economic climate, your rate can increase or decrease. In general, following the introductory period, an ARM’s interest rate will change once a year. This means your interest rate and monthly payments stay the same over the course of the entire loan.Īn ARM, or adjustable rate mortgage, has an interest rate that will change after an initial fixed-rate period. The first two options, as their name indicates, are fixed-rate loans. In the drop down area, you have the option of selecting a 30-year fixed-rate mortgage, 15-year fixed-rate mortgage or 5/1 ARM. Remember, your actual mortgage rate is based on a number of factors, including your credit score and debt-to-income ratio. If you don’t have an idea of what you’d qualify for, you can always put an estimated rate by using the current rate trends found on our site or on your lender’s mortgage page. Or, you can use the interest rate a potential lender gave you when you went through the pre-approval process or spoke with a mortgage broker. Mortgage Rateįor the mortgage rate box, you can see what you’d qualify for with our mortgage rates comparison tool. Your credit score and income are two additional factors that play a role in determining your mortgage rate and, therefore, your payments over time. Being able to make a sizable down payment improves your chances of qualifying for the best mortgage rates. In general, most homebuyers should aim to have 20% of their desired home price saved before applying for a mortgage. *The payment calculations above do not include property taxes, homeowners insurance and private mortgage insurance (PMI). The table below shows how the size of your down payment will affect your monthly mortgage payment. One common exemption includes, VA loans, which don’t require down payments, and FHA loans often allow as low as a 3% down payment (but do come with a version of mortgage insurance).Īdditionally, some lenders have programs offering mortgages with down payments as low as 3% to 5%. Many mortgage lenders generally expect a 20% down payment for a conventional loan with no private mortgage insurance (PMI). Next, divide by your monthly, pre-tax income. To calculate your DTI, add all your monthly debt payments, such as credit card debt, student loans, alimony or child support, auto loans and projected mortgage payments. Here’s the formula for calculating your DTI:ĭTI = Total Monthly Debt Payments ÷ Gross Monthly Income x 100 The higher the ratio, the less likely it is that you can afford the mortgage. This ratio helps your lender understand your financial capacity to pay your mortgage each month. This rule says that your mortgage payment shouldn’t go over 28% of your monthly pre-tax income and 36% of your total debt. One of the rules you may hear as a homebuyer is the 28/36 rule or the debt-to-income (DTI) rule. Home price, the first input for our calculator, is based on your income, monthly debt payment, credit score and down payment savings. Here’s a breakdown with an explanation of each factor and how it influences your payment. SmartAsset’s mortgage payment calculator considers four factors - your home price, down payment, mortgage interest rate and loan type - to estimate how much you will pay each month. Factors That Determine Your Mortgage Payment The numbers can always be adjusted later.įor a more detailed monthly payment calculation, click the dropdown for “Taxes, Insurance & HOA Fees.” Here, you can fill out the home location, annual property taxes, annual homeowners insurance and monthly HOA or condo fees, if applicable. Don’t worry if you don’t have exact numbers to work with - use your best guess. In the dropdown box, choose your loan term. There are three fields to fill in: home price, down payment and mortgage interest rate. The first step to determining what you’ll pay each month is providing background information about your prospective home and mortgage. N = Number of Monthly Payments for 30-Year Mortgage (30 * 12 = 360, etc.) How SmartAsset's Mortgage Payment Calculator Works P = Principal Amount (initial loan balance) Mortgage Payment Formulaįor those who want to know the math that goes into calculating a mortgage payment, we use the following formula to determine a monthly estimate: To find a financial advisor who serves your area, try our free online matching tool. You can also try our home affordability calculator if you’re not sure how much money you should budget for a new home.Ī financial advisor can aid you in planning for the purchase of a home. You can adjust the home price, down payment and mortgage terms to see how your monthly payment will change. SmartAsset’s mortgage calculator estimates your monthly mortgage payment, including your loan's principal, interest, taxes, homeowners insurance and private mortgage insurance (PMI). How many addons does Stremio have?Īs of late 2019, over 50 - for more information, check our addon catalog. Yes, we support Chromecast and you can cast both from desktop and mobile apps (Android). However, it comes at the expense of useful features, such as being able to sync your library across devices. There is also a Guest mode at signup, which requires no data whatsoever: in this mode, no calls are made to our backend. We respect users' privacy and do not collect any personal data besides the essential minimum to create and sync your account. Yes: because it is open-source software, the code is publically auditable and you can review it yourself. Yes, you can check the following links: desktop app and GitHub organization. Thanks to our addon system, you can access a variety of content. What can I watch here?Ī lot: Movies, TV shows, Web channels, Sport, TV channels, listen to Podcasts and more. Once you install Stremio on your device and create an account, all you have to do is to visit the addon catalog and install any addon you want, and you're good to go!Īfter that, you can go to the Discover or Board sections to start exploring content. No one else can view it through her eyes, so instead we notice the details we extrapolate and feel.Stremio is a modern media center that gives you the freedom to watch everything you want. If she were to watch her own film, she would notice the details no one else sees. Amélie is the muse who herself needed inspiration now aware that embracing new wonders in life can be just as magical as those that have been her comfort in the past. What is in the heart and mind of the girl drinking a glass of water? Her expression is vacant and open to endless interpretation, and finally, after many vain attempts, filled in the end. Dufayel has painted the Luncheon of the Boating Party 20 times, yet perfection in one, seemingly small detail eludes him. He will enjoy the mysteries she presents and the enigma she represents, and once they meet, a well-hidden trepidation Amélie harboured of growing apart from herself and the personal pleasures and views she enjoys, is replaced with a sense of excitement. She has found a Cupid-like calling that matches her charmingly nonconformist personality, but when the possibility of love for herself is found collecting polaroid photos from underneath a public booth, a fear of losing control of parts of her unique identity takes hold, and while she can continue a romantic escapade from a distance, when close enough to speak she finds herself unwilling mildly cowardly. Truly, though, the involved narrator speaks more than her throughout the entire story, and the enchanted man, at once a stranger to her and kindred spirit, is so smitten to be ever patient. Ecstatic with this resolution, Amelie sets out to instil happiness in others, from impulsively assisting a blind man cross a busy road and explaining with fervour their detailed surroundings to helping the meek and nervous fruit stand assistant Lucien find his voice.Īmélie’s shyness is in contrast with her adventurous nature Upon accidently discovering a neglected tin, hidden behind a tile in the bathroom of her apartment and filled with nostalgic childhood toys, Amélie is led by her adventurous spirit to return it to its long-separated owner a noble quest that will end in tears of happiness for him and a feeling of warm satisfaction for our hero, such as she doesn’t feel elsewhere with the exclusion of piercing the top of a crème brulee and sinking her hand into a bag of seeds. Jean-Pierre Jeunet’s tale is a window open to the life of an observant, whimsical 23 year old who having reached the end of an eccentric childhood spends the formative years of her young-adulthood waitressing at a café and tending to her gnome-polishing father. If the concept of Artistic expression in films is that they can then be observed and pondered on different levels and for different qualities other than linearity and narrative resolution, then there is a certain classic adored and cherished by many that nestles snug in this criteria, while still presenting itself as the most assessable of its type. “At least you’ll never be a vegetable – even artichokes have hearts.”Īrt films and French films often appear inseparable, with thought of one often (and often mistakenly) leading to thought of another. Starring Audrey Tautou, Mathieu Kassovitz Directed by Jean-Pierre Jeunet (Delicatessen, The City of Lost Children) If the project’s revenues cover the amount of tokens distributed to stakers, its own funds aren’t being drained. When we describe yield as being “real,” what we are talking about is its sustainability. Real and Sustainable Yield vs Dilutionary Emissions With high APYs abundant in the DeFi space, how does one estimate the true value of projects and their interest-generating potential? One option is to look at a project's crypto real yield. Demand for such tokens, it turned out, was supported by emissions rather than their utility. Once these APYs dropped as a result of the project's treasuries dwindling, token prices would often plummet as users rushed to sell off the farmed token. This, however, often resulted in unnaturally high and unsustainable APYs, some even over 1000%. Yield farmers will also move their funds around, looking for the best returns available in the market.Īs DeFi grew more popular, many protocols began offering higher rewards as incentives for stakers. It's common for yield farmers to use protocols that maximize their returns, known as yield optimizers. What they all have in common is that they generate a return for the user in exchange for putting this user’s fund to work. There are various opportunities to yield farm, including liquidity pools, staking, and lending protocols. Yield farming allows users to earn cryptocurrency rewards for locking up their assets in yield-bearing pools. This simple, quick, and relatively effective calculation can help you assess the feasibility of a project's promises at a glance and estimate just how “real” its yield actually is. One popular method for evaluating the promised yields is calculating a project's real yield. Yet, if you've ever come across 100% or even 1000% returns on a staking opportunity, it is fair to question if it's too good to be true. The sizable APYs often seen offered in the decentralized finance (DeFi) world are certainly intriguing for many investors. However, this indicator can serve as a useful tool for gauging a project's long-term yield-bearing prospects. This means that their yield isn’t sustainable or, in lay terms, “real.” Real yield isn't necessarily better than dilutionary emissions, which are often used for marketing purposes. If the returns for staking are greater in real terms than the provided interest, the emissions are dilutionary. Crypto real yield as a metric compares a project's offered yield against its revenue. |
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