![]() For many students, the only way to stay atop this rising tide has been by taking on an increasing amount of student loans. It’s no secret that getting a degree has grown more expensive in recent years. The dashes indicate a placeholder for a formula and will populate if and when it makes sense.Student Loan Calculator: How Long Will It Take to Pay Off? You can skip the greyed out columns (don’t delete them) and don’t overwrite anything with a - in the cell. You only need to enter balances in the white rows. So if you’re starting date is the first of this month, you don’t have to fill out anything until the month is over. For example, if I was filling this out today on February 7th, I’d enter the balances under the Jan ‘20 column. ![]() At the beginning of the month when you fill this out, you’ll enter the balances of each account in the previous month’s column. In the Balance Sheet’s sidebar, you’ll see the accounts you’ve named on the Config tab. ![]() This is where you will add up all the money you have and owe in your accounts so you can see if your wealth and net worth are increasing or shrinking.īefore moving on, make sure the first three items are marked complete in the Setup checklist on the Config tab. Once at the beginning of every month you’ll fill out the Balance Sheet tab for the previous month. Don’t enter expenses or transfers you already accounted for in the Fixed Monthly Costs box on the Config tab. Go ahead and enter all your expenses beginning from the start date you entered on the Balance Sheet. When you enter an expense, start with the date in column a, the name of the place you spend the money in column b, and then tab over to the column with the right budget category for that expense. Again, there are suggestions in the note on the budget category* cell.Įxample of how fast you can enter expenses by using the 'tab' and 'enter' keysĪcross the heading, you’ll see your guilt-free budget and annual budget categories from the Config tab. In the Guilt-Free Budget box, enter categories of expenses and an allotted amount. This is your money to spend however you want. Create your guilt-free, monthly budgetĪs explained earlier, it’s called your guilt-free budget because this is what is left over after setting money aside for savings, retiremenet, and future annual expenses. Now you’re left with your total for guilt-free budget, which is how much you have left for discretionary spending. “The goal is to make sure that enough income is first saved or invested before monthly expenses or discretionary purchases are made.” This is the pay yourself first concept described in “I Will Teach You to Be Rich.” Along with budgeting for annual expenses and retirement, I highly recommend setting more money aside for extra savings. There are suggestions in the note on the budget category* cell. There is room for eight additional fixed monthly costs. If you don’t contribute to a 401k or typically receive any extra monthly income, enter $0. Follow the orange colored cells as cues for which part to fill out next. In the top left box on the Config tab, enter your income. Remember, cells with an asterisk(*) mean there is a note on that cell with more information. How to Use My Google Sheets Budget Template If you’re stuck and need more info to get going, read on to get the details. There are simple and clear instructions with extra notes on cells that have an asterisk(*) - just hover over those cells to the see note. If you want to try my Google Sheets budget template, make a copy of it and try it out. A good budget system will create a change in your behavior. On less of things I care little about, and more on the things I care a lot about.Ī bad budget system only shows you where your money is going. I can customize it exactly the way I need to actually help me spend my money more thoughtfully. But these apps don’t really help me spend less money - they just tell me where I spend my money and try to guess (poorly) the category.Īnd that’s why I love budgets built on spreadsheets. ![]() Most of my friends use a budgeting app like Mint and I’ve tried them, too. After budgeting money for savings and annual expenses, you can budget your discretionary spending, guilt-free.
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![]() Make sure you have a stable Internet connection (use a wired connection if possible).Restart your computer if it has not been restarted for while (restart would help to reduce risk that during test might happen interruptions).Students should review the Student Quick Start Guide for Respondus LockDown Browser/Respondus Monitor before taking an exam to ensure their webcam and microphone are working properly. Students should also review the general online test taking guide before taking their first online exam. How will students use Respondus Monitor to take their exams? RSU IT Service Center, you can write Service request via RSU Help desk ( or email to it rsu lv.24/7 help provides Responus Help center, you can ask questions in chatbot.FAQ for Students Where I get assistance in case of matters? Web searches, chatbots, messaging apps, minimizing the browser, and hundreds of other functions are also prevented. They’re unable to print, copy, go to other web addresses, or access other applications on the computer. Once the exam has started, students are locked into the exam. You will be unable to exit until the exam is completed and submitted. LockDown Browser prevents you from accessing other websites or applications. ![]() Run "Webcam Check" and "System& Network Check" before the test.Clear your workspace of all other materials. phones, tablets, second computers) and place them outside of your reach. Unless instructed otherwise, turn off all other devices (e.g.Take the exam in a well-lit room and avoid backlighting, such as sitting with your back to a window.Also, be sure to dress appropriately, as if you were in the classroom. Don't wear sunglasses or hats with brims.If using a built-in webcam, avoid tilting the screen after the webcam setup is complete.Do not place the computer on your lap, a bed, or the floor.On the computer you will use to participate in the test, you must be able to install the LockDown Browser program.If you use two monitors in your study process, for this exam switch to one monitor.Recheck that your camera works properly.Turn off televisions, radio, music, etc as well as avoid rooms where children or other people are present.If your Internet is shared with others, make sure they aren't streaming videos or using applications that can slow down your internet connection.Close open programs (both Internet browsers and computer programs) before starting the test.If there is a problem, please refer to technical advice at the IT Service Centre or inform the Student Union.Īfter opening the course click on the Button "Register" (Latvian - Reģistrēt mani) The test may be submitted on an unlimited number of times. We encourage you to do this at least a week in advance and make sure that your computer is properly configured. Students have the opportunity to prepare themselves for the upcoming exam and to complete the demo test. It should not be used in other areas of Moodle. LockDown Browser should only be used for taking Moodle Quizzes. If a Moodle quiz requires that LockDown Browser be used, you will not be able to take the quiz with a standard web browser. It prevents you from printing, copying, going to another URL, or accessing other applications during a quiz. LockDown Browser is a locked browser for taking quizzes in Moodle. ![]() Are you going to do it yourself by hiring a van, or get a removal company in? Get quotes, recommendations and check reviews. Experts reveal the best bathroom decor ideasĭecide how to want to move.You might also want to add other useful items such as phone chargers, loo roll, kitchen roll, bin bags and cleaning products. This last box to be packed can also be the first box to be unpacked, so you are assured of a welcoming cuppa the moment you arrive in your new home. Top tip: Keep back essentials that you will need right up until the day you move, such as the kettle, coffee/tea, mugs and breakfast items. Make sure boxes are clearly labelled and packed room by room to make it easier to unpack at the other end. Pack as you goĪs you declutter, you can pack things you rarely use straightaway, putting the rest back to be packed nearer moving day itself. ![]() Try and use up items in the fridge and freezer ahead of the move, as well as anything in the kitchen cupboards, which will save on packing. Just going through one drawer or cupboard every day in the run-up to the move means you will arrive at your new home with the things you actually want with you, rather than taking your clutter with you. There is no point in packing things which you are only going to throw away once you're in your new home, and if you sort through your possessions now, then you will have a much clearer idea where everything is. It is easy to underestimate how much stuff we actually own – just imagine how your home would look if everything was taken out of drawers, cupboards, lofts and garages – and going through it well in advance of a house move saves a lot of time, money and effort. The dos and don'ts of your heated clothes airerĭecluttering before a house move is one of the most important things you can do to make packing and unpacking go as smoothly as possible.Whether you have lived in your previous property for months or decades, are moving nearby or across the country – or even further – and whether you are renting or buying, our moving house checklist means you won’t forget a thing. Every month, around 100,000 people will take the plunge, swapping one set of house keys for another and discovering a whole new home and neighbourhood. The average Brit will move house eight times in their lifetime, the majority of those moves happening before they turn 30. Opinion polls frequently find that people say moving house is more stressful even than having children, or divorcing, and many find the whole experience so nerve-wracking that they vow never to move again. Moving house can be incredibly exciting, but it can also be one of the most stressful things you ever do. ![]() 166 Intergenerational resilience has been defined as: ‘the processes whereby people ensure to the best extent possible that the next generations of human and other-than-human relations have what they need to flourish’ 167 Victorian researcher Dr Graham Gee has noted the importance of considering intergenerational resilience when looking for solutions to healing intergenerational trauma ‘because it’s the strengths and the Cultures of Aboriginal people that provide the very sources of having survived’. Research by the Healing Foundation and Maru Marri, University of New South Wales summarised the ongoing effects of intergenerational trauma experience for Stolen Generations and families as ‘the ongoing legacy of not adequately addressing the burden of trauma in the population of people who directly experienced it, and the transgenerational transmission of social, emotional and spiritual wellbeing problems as a result of connections that were severed or attenuated by past government policies.’ 165 163 Intergenerational trauma is now understood as ‘… the effects of traumatic experiences endured during childhood and adulthood being transmitted to subsequent generations.’ 164 162 Although detailed research on how to address intergenerational trauma is still limited there are recent findings that have explored intergenerational trauma and the changes needed for family and community violence, Aboriginal women and Koori parenting in Victoria. 161ĭuring the time period between the Bringing Them Home Report and current time intergenerational trauma has been further researched and identified as an ongoing issue for families of Stolen Generations. The report stated that Reparations should be provided more broadly then just to Stolen Generations to recognise ‘…that the need for rehabilitation will be felt by the people who were removed, their families including their own children and grandchildren and their communities as a whole’. In 1997, recommendation four of the Bringing Them Home Report stated that family members, communities and descendants of Stolen Generations impacted by the separations of children from families should receive Reparations. Further information on the Victorian Stolen Generations descendants population estimate will be provided in the Finity Consulting final report for the Steering Committee in late June 2021. 160 This indicates approximately one sixth of the Victorian Aboriginal population that may be struggling with the impacts of intergenerational trauma. 159 According to research conducted by Finity Consulting there are approximately 9,500-11,300 Victorian descendants of Stolen Generations. 158 The Royal Commission in Victoria’s Mental Health system has estimated that around 47% of the Victorian Aboriginal population have a relative who was Stolen Generation. In June 2021 the Healing Foundation published new research which finds there are 11,500 descendants of Stolen Generations aged over 18 resident in Victoria. ![]() "Radio," I said (and he quoted), "is a very sick chicken." In fact, it's so sick, I'm not sure that adding a bunch of low-power FM radio stations - even if it can still be done - can pull radio out of its death spiral. Senate and be signed by President Obama.īut when a reporter for the Post-Gazette called me recently, wanting a reaction to Doyle's legislation, I told him it was nice, but probably too little, too late. Mike Doyle, who represents the McKeesport area - to overturn that blockade. Ron Klink of Murrysville) blocked our station and hundreds of others from going on the air.Ī few weeks ago, the House of Representatives passed legislation - introduced by U.S. Under pressure from the big broadcasting lobby (including National Public Radio), Republicans and some Democrats in the U.S. You started your day with the morning TV news and listened to an MP3 player, webcast or satellite radio the rest of the time.Īs most of you know, I'm part of a group that tried in 1999 to bring a low-power public FM station to McKeesport. I'll bet many of you never turned on an AM or FM radio at all. I'll bet most people have a much harder time remembering anything. And keep in mind, I work part-time in radio, and I've been writing about the business, on and off, for a decade. I also hear a few minutes every day of Marty Griffin on KDKA (1020).īut I had to struggle to remember those two. I listen to Bob Studebaker on WDUQ-FM (90.5). ![]() Later, my radios were glued on WTAE (1250) and its lineup of Lynn Cullen, Doug Hoerth and Phil Musick, who died this morning at age 71. When I got home, I listened to Bruce Keidan on 1320. In high school, I started my day with Jimmy Roach and Steve Hansen on Y-97, but I also checked out Jim Quinn and "Banana Don" Jefferson on B-94 and Scott Paulsen and Jimmy Krenn on WDVE. Twenty years ago, that would have been an easy question for me. Meanwhile, Quinn’s website has a banner that merely says “April 1st!!!” which could name the start date of the program.Do you listen to the radio? I mean, really listen?Ĭan you name three Pittsburgh-area radio personalities - newscasters, talk show hosts or disc jockeys, for instance - you've heard in the past week? ![]() This Twitter tweet says that Quinn has been building a home studio and is about ready to begin a podcast on his website as well as feeding former affiliates. Meanwhile, various gossip sites as well as a Facebook page called “ Fans of Quinn and Rose” have been rumbling that Jim Quinn and Rose Tennant are about to make a return. The two parties – the other being WJAS owner Frank Iorio’s Pittsburgh Radio Partners – failed to come to an agreement over the possibilities of a web stream. Many thought that when WJAS (1320) was sold last summer and switched to conservative talk that Quinn and Rose would return there. Since that time, fans of the show have been waiting for word that the duo would return to the air – even if it was just on the Internet. The cancellation of the show was the result of failed contract negotiations. One of PBRTV’s most-viewed stories is “Where are Quinn and Rose?” (Dated: November 18, 2013) The conservative talk duo were let go from then-Clear Channel’s then-talker WPGB (104.7) and other affiliates that day with very little warning. ![]() I loved all the different icons that are on the templates, and we could choose from them based on the month or the season that we were using the newsletter for. It was well organized and very easy to type and edit the documents. ⭐⭐⭐⭐⭐ I really loved using this newsletter template for my classroom. Once I formatted my letter the way I wanted it, I was able to get my weekly newsletters done in minutes. It is easy to complete, and I use it every week for my newsletter. ⭐⭐⭐⭐⭐ Love, love, love this resource! It is super cute and has different graphics to go along with the seasons. Easily add the month of the year and/or the week.Ĭustomization is easy! All directions are included! Choose from school theme or seasonal theme. Inside each template folder, you will find 24 different versions in color and black and white. You can choose to use the templates with the headings already in place, choose the blank header templates, or use the 100% editable templates to create your own. In this download, you will get 24 different newsletter templates. Step-by-step directions are included which break down how to use these editable newsletter templates in PowerPoint and Google Slides. ALL WORDING IS EDITABLE! Easily use the headings and sections to include your announcements, important events, and reminders. These editable newsletters allow you to share important information with parents in a neat and clean format. I have added 2 new templates that are fully editable. ⭐UPDATE: Per request, the "NEWSLETTER" title is now editable.
While the bulk of these poses are meant to be compatible with as many models as possible, there are some instances of clipping here and there. Players will be able to choose from over 300 different and custom-made poses to interact with. Thankfully, Lewd Fraggy doesn’t disappoint here. Poses and posesĪ hentai game like Waifu Sex Simulator would be nothing if it didn’t include a healthy variety of poses to experiment with. In a VR game like this one, being face to face with a mannequin-like character can be jarring, breaking any possible immersion. While most of them are very well detailed, some characters have limited facial expressions. It’s also worth mentioning that some models are better-looking than others. One second you’re looking at an anime character like Hatsune Miku, and the next you’re face to face with a realistic Mai Shiranui. Since the waifus come from a variety of media franchises, some of them have clashing visual styles. However, it’s worth noting that the characters aren’t exactly aiming for realism. Using the motion controls of the HTC Vive or the Oculus Rift, players can use their real hands to interact with the in-game characters. Thanks to the VR capabilities of Waifu Sex Simulator, players can truly get immersed in their fantasies. You want to be intimate with Elizabeth from Bioshock Infinite, or with Ayane from Ninja Gaiden? You can do that here. And why stop there? There are even characters from other game franchises in the roster. With over a thousand characters to choose from, Waifu Sex Simulator is an anime fan’s dream come true. On the other hand, Waifu Sex Simulator will have you choose from an enormous roster of preexisting anime characters to participate in custom scenes. In those games, much of the entertainment comes from creating your dream girl, as you do in Koikatsu Party. Independently developed by Lewd Fraggy, Waifu Sex Simulator distances itself from the traditional hentai games, like the ones made by Illusion. However, the lack of interesting content and true player interaction turns this game into a gallery of sorts, making it hard to even classify this as a game. If you’re looking for a game that goes straight to the point, then Waifu Sex Simulator might be for you. This VR game embodies the next level of player interaction and opens up a whole new level of immersion for this kind of game, even though the concept might be a bit barebones at the moment. The unapologetically titled Waifu Sex Simulator lets players immerse themselves into interactive scenes with their favorite lewd anime characters. Or if you do a little research you can even import character models from practically any game into this title. There are many models you can download to include in the game. You can customize it a lot and make it more enjoyable to you. This game is an excellent example of a sex simulation sandbox for your VR gear. There's no need for a storyline here, and the game is better off without it. What's already available works great and looks nice. While the development of this title is not complete, it's full of potential. Some don't really want to interact with other people and just enjoy sex with their waifu. It may not seem like much since they are both the same game style, but the online aspect can be a downer for many players. In 3DXChat, as the name implies, it's an online game where you have sex with other players. In Waifu Sex Simulator you always interact with an AI, and there's no multiplayer, no online mode. While they are both sex simulators for virtual reality, one they are completely different experiences. Now, Waifu Sex Simulator is different in many aspects. You can customize a character and have virtual sex with other players in the in-game world. One of the most popular is 3DXChat, one of the first and most developed sex simulators in virtual reality. From just being sexy to plain and direct sex simulators. It's not that hard to believe that there are plenty of VR titles that involve sex. It's a sandbox experience with over 300 preloaded animations you can activate. ![]() ![]() ![]() If you mess with the game a little you can even import character models from other games. There are plenty of animations that adapt to the different characters, and the interaction is varied and fluid. ![]() This soccer position demands a lot of discipline and coordination with the line of defense. During corner kicks, center-backs often move upwards as they are good at heading in goals. ![]() It is achieved through tackles, interceptions, and blocks. The role of the center-back is to defend his team from attacks. Again, they are very good at producing successful crosses that often result in goals. On the other hand, left wing-backs can move upward and attack the opposing team from the left flank. So again, soccer players in the left-back position need to remain in the defensive position most of the time. However, left-backs defend their teams against attacks from the player’s left side. Left-backs or full-backs are a bit similar to right-backs. These players have extraordinary crossing abilities and are very quick. Wing-backs are defenders deployed in an attacking role to boost the attacking options. While full-backs defend the team all the time, there are also wing-backs. The right-back or full-back soccer position is occupied by a player who has the task to defend the team from attacks coming from the right flank. As a result, the soccer world has witnessed some of the best goals scored by goalkeepers in soccer history. Goalkeepers can move to any part of the soccer pitch or even score goals. However, if a teammate passes the ball to his keeper using his head or chest, he may grab it while inside the penalty area. ![]() It is to be noted that this soccer rule applies only when the ball is passed to the goalkeeper using the foot. The goalkeeper cannot hold the ball if his teammates make a direct pass. Still, some rules apply to this soccer position. It is the only place where he can handle the ball using his hands. A goalkeeper position on the soccer field is within his penalty box. The goalkeeper is responsible for stopping the opposite team from scoring goals. Next, we’ll explore each player’s role during a soccer match.
![]() However, installing multiple drivers can cause serious problems if they conflict with each other. The whole reason behind having an Intel-based PC is the superior integrated architecture that makes it very efficient when using various computing devices. The main problem comes when you install multiple graphics drivers and those are not all working well with your old Intel processor. Install multiple Graphics Drivers:įor most computers, an Intel graphics card is standard but if you have another type of graphics card installed, you may still be missing out on great performance. A motherboard with an Intel platform, however, will also work fine if you decide to upgrade to a more advanced motherboard that supports Intel’s Graphics Media Accelerator. A free-to-use graphics card is required in order to run any modern desktop PC. ![]() It allows the loading of external graphics devices such as consoles and thus enhancing the graphical performance of an Intel-based PC. Intel Graphics Media Accelerator Driver is basically a free software download released under the general public domain for use on all Intel platforms. The latest Intel Graphics Media Accelerator Driver:.Installing the latest Intel Graphics Media Accelerator Driver:.Intel Graphics Media Accelerator Driver:.Backup drivers provide you with the comfort of knowing that if anything goes wrong, you can roll back to previous drivers. Using a driver updating program can allow drivers to update without difficulty, so we A good driver update software will ensure you have the most recent and best driver so you're never left with a problem with your device again. An improper driver download can lead to issues with software and harm the functionality of the computer. You might be a PC veteran, but locating, installing, and manually upgrading Graphics Media Accelerator 500 drivers can still take a long time and totally frustrate you. The right Graphics Media Accelerator 500 driver can be difficult to locate on the manufacturer's website. You shouldn't be concerned because you can update your Graphics Card drivers as a prevention measure. PC drivers can become problematic without any obvious cause. Graphics Media Accelerator 500 errors often stem from incompatible or outdated device drivers. Most people fear that they will cause a computer crash or error if they update Graphics Media Accelerator 500 device drivers. With a database of over 2,150,000 drivers (updated daily), you can rest assured your hardware is covered. When you use a driver updater such as DriverDoc, not only does it update your Graphics Card drivers, but it also keeps the rest of your PC drivers updated as well. This tool does all of the work for you by downloading and updating your Graphics Media Accelerator 500 drivers automatically, preventing you from installing the wrong drivers for your operating system version. Recommendation: Download DriverDoc, a driver update tool that is recommended for Windows users who are inexperienced in manually updating Intel Graphics Card drivers. Use an Automated Tool to Update Graphics Media Accelerator 500 Drivers: This instruction guide will walk you through updating Intel drivers. Utilizing these built-in Graphics Card drivers will support basic functionality. The default driver versions for Graphics Media Accelerator 500 devices can be obtained through %%os%% or through Windows® update. How to Update Graphics Media Accelerator 500 Device Drivers By Hand: ![]() One common issue when growing a black walnut tree is a chemical compound called juglone. In full sun and moist loamy soil, the tree will grow two to three feet (0.6 – 1 m) per year. Under ideal conditions, black walnut trees have a medium growth rate. Once established, the walnut tree is tolerant of drought and can cope with occasional flooding. For best nut production, a black walnut should be planted in full sun where it can grow in organically rich, well-drained moist soil. Black Walnut Tree FactsĪlso called the eastern American black walnut, the tree thrives in USDA zones 4 through 9. However, the delicious walnuts lack the pungency of the rest of the tree. ![]() The tree leaves, stems, and nut husks emit a pungent odor when crushed. (21 m) wide.Ī distinctive feature of a black walnut tree is its spicy aromatic scents. Black walnut trees grow between 100 and 130 ft. The enormous tree is identified by its irregular oval crown, pinnately compound leaves, dangling catkins, and clusters of edible nuts. What Does a Black Walnut Tree Look Like?īlack walnut ( Juglans nigra) is an ornamental tree in the walnut family Juglandaceae. Descriptions and pictures of the tree’s identifying features - its flowers, leaves, bark, and fruit - will help you spot a black walnut in the landscape. This article is a complete guide to the black walnut tree. Apart from being a beautiful tree, the black walnut is usually planted for its abundance of edible nuts. Known for its ornamental value, a black walnut tree has an attractive oval crown with upward spreading branches and dense foliage. The black walnut tree is a huge deciduous tree with aromatic lanceolate leaves, drooping clusters of greenish-yellow flowers, dark gray bark, and tasty walnuts. Share on Email Share on Pinterest Share on Facebook Share on Twitter Share on LinkedIn |
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