![]() Updated Procedure to Redeem Fortnite V-Bucks Cardįortnite V-Bucks Card is a prepaid card that can be used to purchase virtual currency in the popular video game, Fortnite.
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![]() ![]() A study conducted by the Dominican University in California proved this through a goal-setting study with over 260 participants. Makes me so much more organized!"ĭo you know that you are 42% more likely to achieve your goals if you write them down?! Yeah, I didn't either. "This iPad planner is so detailed and so easy to use. Love it!" Best iPad Planner: BSL iPad Daily Planner "This planner is gorgeous and so easy to use. "Truly, my days go smoother, my mood is better, and I am way more productive on the days I use my panda planner- it really is wonderful, and I am appreciative of the creator of such a helpful product! One of the best planners on the market." Best for Weekly: Verishop Weekly Planner The design is simple yet super cute! I love the specific college pages that will make me so much more organized this year." Best for Work: Panda Planner Pro I have become so much more productive and efficient after starting to use it." Best for College: By Sophia Lee College Planner "I read about how this planner is based on scientifically proven productivity principals and was sold. Simple, stunning, just the best." Best for Productivity: Full Focus Planner "Cannot say enough good things about this planner. I feel like I'm carrying expensive artwork around with me!" Most Popular: Papier "The Jag" Planner Love it!" Best Design: Kit Agar Femme Planner ![]() ![]() "I was looking for something inexpensive and was so happy when I found this planner. One of the best planners ever." Best Under $15: Kodexlode Weekly & Monthly Planner I don't know what I would do without this planner it legit has everything I would ever need. By being armed with the appropriate knowledge about finances, individuals can approach major life choices with greater confidence realizing that they are less likely to be surprised or negatively impacted by unforeseen outcomes."The Day Designer changed my life. Financial literacy invokes confidence: Imagine making a life-changing decision without all the information you need to make the best decision.Though someone may not be able to afford a dream today, they can always make a plan to better increase their odds of making it happen. Financial literacy can help individuals reach their goals: By better understanding how to budget and save money, individuals can create plans that set expectations, hold them accountable to their finances, and set a course for achieving seemingly unachievable goals.Though losing a job or having a major unexpected expense are always financially impactful, an individual can cushion the blow by implementing their financial literacy in advance by being ready for emergencies. Financial literacy prepares people for emergencies: Financial literacy topics such as saving or emergency preparedness get individuals ready for the uncertain.Financial literacy helps individuals avoid making mistakes with their personal finances. Seemingly innocent financial decisions may have long-term implications that cost individuals money or impact life plans. Financial literacy can prevent devastating mistakes: Floating rate loans may have different interest rates each month, while traditional individual retirement account (IRA) contributions can’t be withdrawn until retirement. ![]() ![]() ![]() Once you think you’ve found the joists use a drill to drill tiny pilot holes to make sure that it is indeed the joists that you’ve found (the drill gets resistance all the way through into wood) then use lag bolts to anchor what you need into the joists. First find one screw (mark it with a pencil) and then take your time to find the next screw, then keep going (and marking) until you figure out how the overlying wall is nailed (or screwed) into the joists. Remember, you are not looking for your joists directly with your magnet, you are looking for the screws that hold everything into them. It will be more awkward than dangling it on a piece of string but the principle is the same and if you take your time you should be able to discern where the magnet is attracted to. Since you are trying to find the screws holding your drywall (or plaster and lath) into the ceiling there is obviously no need for the dental floss But you should still be able to make use of a STRONG small magnet by holding it up against the ceiling with your fingers and moving it very very slowly until you find a drywall screw. And saving money is an important thing with all the other repairs lingering in an old house. The best part? They cost you almost nothing. Other than the metal detector, these techniques have been used for decades to find studs in plaster walls. No more fumbling with expensive stud finders that give you all kinds of weird readings. Unlike the magnets which aren’t strong enough to be attracted to a pipe that is a couple inches recessed into the wall the metal detector may give you false readings. Beware that depending on the sensitivity of your metal detector you may pick up old wiring, cast iron plumbing, or other things hiding in the wall. If you happen to have a small metal detector, you can use this along the same premise as the magnet technique. Check it out here! #4 Use a Metal Detector Just like my magnet trick, but a bit more refined than tying dental floss around a magnet. This simple stud finder is a powerful magnet that pops into place when a stud fastener is detected. Update: Since I first wrote this post we have begun offering a totally cool new product called StudPop which takes the magnet trick to the next level. Keep in mind there are some spaces between lath vertically so if you’re not having much luck try moving the magnet up or down a bit so that it is over top one of the hidden nails. The reason this works is because the wood lath is nailed to the studs, and the magnet is attracted to those nails. It has to be a strong magnet for this to work, so those floppy pizza magnets won’t cut it. Every so often, the magnet will stick to the wall a bit on the stud location. Dangle the magnet against the wall and slowly move it horizontally across the wall. It works every time! Grab the strongest magnet you have and tie a piece of dental floss or string around it. This is my favorite method and the reason is simple. Move along the wall and look for a pattern to show itself, and you’ll slowly be able to see your stud spacing. Once your knuckle hits the spots where a stud is located, the sound will change to more of a dull thud. When you knock on wall sections without a stud, you will hear more resonance from the hollow space behind. This one may seem old fashioned, but gently knocking your hand along the wall and listening for differences is a pretty accurate technique to find studs. ![]() although many old houses may have unusual stud spacing so this method may not work for everyone. (on center) and some were framed 24″ O.C. Most houses built in the last 100 years were framed 16″ O.C. Once you find the stud, you can measure off 16″ to find the next one most times. Either turn the breaker off, or be careful not to touch any wires before attempting this or you can get a nasty shock. To see which side the stud is on, take the switch plate cover off and take a peak inside. Though there may be an occasional free floating box in an old home, you have an excellent chance of finding a stud on one side of the box. The third trick is my personal favorite because it never fails! #1 Find an Electrical BoxĮlectrical boxes for outlets and light switches are supposed to be attached to studs. Try these simple and time tested tricks to find studs in a plaster wall the next time you need to hang something in your old house. Most smaller items can be hung pretty securely anywhere on the wall by screwing into the wood lath, but for heavy things that weight more than 10-15 lbs, like large mirrors and TVs, you’ll need to learn how to find studs in a plaster wall.ĭon’t waste your money on that stud finder. If you own an old house with plaster and lath walls, you may have discovered how utterly useless a stud finder can be. ![]() ![]() ![]() ![]() The High Score Resume always shows the most recent jobs first. That’s the most effective way to convey your past successes. The High Score Resume constructs each bullet of your work experience with a success verb and a number - whether it be units, a dollar sign or a percentage. ![]() Same for your past experience - let your future boss know how good you were at the role, by providing your score. And it means bringing a player’s enthusiasm to how to you retell it.Ī bit tongue-in-cheek, but when you’re telling your friends, or if you were trying to join a team, you wouldn’t say this:Īll high scores have numbers - it’s easier that way for people to understand how good you were at Tetris, tennis, or … tax strategies. That means sharing, with numbers, how well you did at that part of your job. The High Score Resume approach to resume writing is to make each bullet a High Score. One common resume error seen in less effective resumes is a reliance on listing job descriptions, duties, or staff size. Work experience: Show your high scoresįrom our experience at Ladders, the most successful resumes all have one thing in common: they display the past successes of the professional. So while there are other parts of your resume that will deserve attention, the High Score Resume focuses most of your time and effort on the two most important sections of your resume: your work experience and your professional summary. By showing what you’ve already achieved, it’s easy to explain what you’re capable of next. The High Score Resume also is very clear to people reading your resume about what you’d like to do next, i.e., what your next level is going to be. And it provides hiring managers and recruiters concrete proof of what you’re capable of. It is a format that enables you to present yourself in the most effective way possible without worrying about bragging. The High Score Resume focuses your resume on sharing the “high scores” you’ve reached and the achievements you’ve unlocked throughout your career. The best format for your resume is the High Score Resume So let’s find out why the high score resume format works for experienced professionals like you. So I wanted to share what we’ve learned at Ladders from reviewing millions of resumes over the years and seeing how those resumes did in over 1 billion applications.īecause I understand how pressed for time professionals are, I’ve created 73 industry-specific resume templates, containing example copy, which can be downloaded and edited free. A lot of resume advice is good, some of it is bad, but it’s difficult to know which is which – especially when it comes to creating a resume that works for you. ![]() ![]() ![]() It is no suprise that video files are often large, but I don't care visual resolution, and just hope that audio quality may be kept as close to the original as possible. Subscribe to get more articles like this oneĭid you find this article helpful? If you would like to receive new articles, join our email list.I have some videos that are recordings of myself playing the piano, and I have converted them into mp4. You can save a significant amount of space and reduce the file size of a PowerPoint presentation by compressing media in PowerPoint. In PowerPoint 20, the following drop-down menu appears when you click Compress Media:Īfter you select a compression option, the following dialog box appears with the status of the compression(s): In PowerPoint 2019 or 365, the following drop-down menu appears when you click Compress Media: You will not be able to access Compress Media unless embedded media has been inserted into the presentation.
![]() ![]() As our goal is to make it even easier for you to eat healthy and plan your meals – whether or not you’re a customer.Ĭheck out the free meal plan templates we created on Google Sheets, Airtable and Coda (or just sign up below and get a free copy of all them delivered to your inbox). We created several meal planning templates + calendars using different tools from around the web. More Free Meal Planning Templates (Digital) If you want to test it out – you can try meal planning free for 14 days here. Of course, now that I built – the hour or two every week that I would spend doing this I can handle in 5 minutes with Ultimate Meal Plans. Once, I have all the food at my house, I’ll either meal prep the entire week ahead of time or meal prep 2-3 days at a time if I know I have the room in my schedule.Then, I will either go to the store and pick up everything I need (being careful to not get distracted by the snack aisle), or just order online through Amazon Fresh or at Central Market here in Texas (online groceries are a game changer).Once, I’m done planning out the week, I’ll add up all the ingredients I need and build a shopping list out of it.Often, I’ll save leftovers from a dinner and use them for lunch the next day.From there, I’ll go through and add my lunch items.I usually eat post-workout so it’s important that I plan these out well. Once I’m there, I’ll write out what I want for dinner.I’ll plot out my breakfasts first (usually I drink coffee or fast for the morning so that makes things easier).I write out which days I know I have things going on and won’t be able to eat at home.Every Sunday, I sit down and print out a new meal plan template.If you’re brand new to meal planning, you still might feel a bit intimidated by the whole meal planning thing – but it’s really not that tough. It’s simple to use (and best of all) it’s printable! Check it out below How to Use These Meal Planning Templates It’s absolutely free -no gotchas, catches or anything. ![]() If you’re wanting a free simple meal plan template to download, just grab yours here. It’s a free printable weekly meal plan from Ultimate Meal Plans with a breakfast, lunch, dinner and snack spot for each day of the week. On a separate tab, you’ll find a list of ingredients you can keep track of as you go to the grocery store and do your shopping.Īlternatively, you can sign up for a free trial and get your groceries delivered to you, but everyone has their own pace. Our free meal plan templates mimic our actual meal plans – minus the recipes, shopping lists, and more – but if you want to try to do it yourself, they’re a good place to start.Įvery template has a space for breakfast/lunch/dinner and a snack. Luckily, not only we do host the best meal planning app on the planet, but we also have a ton of great meal plan templates so you can do some DIY meal planning on your own! Why Use a Meal Planning Template? If that’s you – it’s helpful to have a meal plan template to help you get started If you’re just getting started with meal planning – you might want to try it out yourself first to see what you think. ![]() ![]() ![]() Many nations, including Japan, Korea, Portugal, France and Norway, have set 1000 ppm of CO2 as the standard for specific indoor environments, including school and office buildings. And, according to ASHRAE, the American Society of Heating, Refrigerating and Air Conditioning Engineers, levels of indoor carbon dioxide should be below 700 ppm. The United States Department of Labor’s Occupational Safety and Health Administration (OSHA), for example, has set a permissible exposure limit of 5000 ppm of CO2 as a time-weighted average over 8 hours. Guidelines can differ according to nation. In these cases, measures should be taken to improve ventilation. What are seen as acceptable CO2 levels typically vary from country to country.įor example, in the UK, the government has agreed to a set of standards for acceptable CO2 levels in indoor spaces:Ĩ00 ppm or below indicates that an indoor space is likely to be well ventilated and has acceptable indoor air quality.Ĭonsistent levels of 1500 ppm and above indicate that the room is badly ventilated. What are acceptable CO2 levels in buildings? In the UK for example, a campaign is underway to monitor CO2 levels in classrooms across the UK to help lower viral transmission risk.Īnd, from June 2022, it will be mandatory for all office buildings to have CO2 monitors. As a result, as we’ve just alluded, high concentrations of indoor CO2 can be used as measures of occupancy and ventilation rate.īut good ventilation is crucial in mitigating the spread of viral infection by aerogenic transmission (infection by small particles that hang in the air), so much so that changes are being made at the national level. Since carbon dioxide is a natural product of human respiration, indoor occupants are its main contributors. CO2 is a measure of indoor ventilation and viral risk For example, the Centers for Disease Control’s National Institute for Occupational Safety and Health (CDC) quote the cost of poor indoor environmental quality to US businesses as in the range of $20 to $70 billion per year.Ģ. This has a material impact on businesses. The average American spends 90% of their time indoors and research has found that stuffy, poorly ventilated buildings negatively affect employee productivity. So although relatively high levels of CO2 may not cause health problems directly, they can be viewed as one indicator of poor ventilation, and, as consequence, lowered indoor air quality. Other indoor air pollutants, such as Volatile Organic Compounds (VOCs), emitted by some furnishings and building materials, can build up in poorly ventilated buildings without adequate fresh air. Combustion from these sources can also generate other products, such as carbon monoxide (CO) and particulate matter (PM), which both have serious health effects. Since CO2 is a product of combustion, its levels can be raised by things such as vehicle exhausts and furnaces. The quantity of outdoor air being ventilated and the quality of that outdoor air Indoor carbon dioxide levels can vary widely, ranging from a few hundred ppm to 1000 ppm and above. ![]() CO2 is an indicator of indoor air quality Let’s explore these two factors in detail: 1. But further, it is a crucial indicator of the risk of viral transmission too. CO2 as an effective indirect measure of indoor air quality (IAQ) in general. Monitoring indoor CO2 matters primarily for what it tells you about other air pollutants. Why is monitoring indoor CO2 levels important? ![]() ![]() ![]() And family identity is solidified by routines in which everyone plays a role (Anna sets the table, Brian clears the dishes). What follows is a relaxed home, which yields stronger family relationships. Both parents and children experience decreased stress when there’s less drama about what time you’ll eat dinner and where you’ll settle down to do homework. In addition, your whole family will benefit psychologically from a structured regime. By building one, you send a message that says, “This is how we do things.” Routines make daily activities manageable, allowing your child to focus on one thing at a time. A predictable schedule offers structure that helps kids feel safe and secure. It may not always be obvious, but children want and need routines. In terms of behavior, they help improve efficiency and daily functioning. Routines affect life positively on two levels. The Benefits of Putting Your Child on a Schedule To make structure truly effective, routines need to be seen and implemented not just as simple behavioral strategies, but as a way of life. Usually, trying to implement a daily schedule doesn’t work because parents give up too soon. Every day becomes a battle, and we’re all worn out. Yet many throw in the towel after a few weeks (or even a few days) because the routines are not working. Many well-intentioned parents enthusiastically start out to establish the structure their children need. Yet there is hope - even happiness - in sight. But when you’re raising a child with real attention difficulties in the real world, setting and maintaining such routines can seem downright hopeless. Do something fun to unwind before a regular bedtime. Make sure homework happens at the same time and in the same setting daily. You’ve heard it before: Set up a morning routine for kids with ADHD to get out the door on time. The keys to getting the ADHD organization help you need: belief in the power of family routines and a long-term commitment to them. – Do this until each task has been completed.All parents of children with ADHD have heard the routine about routines: Kids need structure, and children with attention deficit need even more. Once a task is completed, encourage your child to move the picture to the “done” side of the board. – Map out your child’s routine using the pictures provided. The schedule is helpful for children who are spirited, highly sensitive, Autistic, have ADHD, or other special needs. Picture schedules are a helpful learning tool for ALL children, particularly those in preschool, kindergarten and elementary school. Visual schedules help children to focus, listen, self-regulate, and improve positive behaviors at school and home. – Especially helpful when changes in routine are being implemented! – It can be used for home, school, home-school, and in therapy settings. – Visual schedules help children to independently accomplish their daily tasks with fewer verbal reminders. – Removing the finished tasks gives children a sense of pride, satisfaction, and completion. – Increase listening and following directions. ![]() ![]() – Your child’s day will be more predictable to them, which increases positive behavior and lessens anxiety. – Schedule will come fully assembled and ready to use! ![]() – 4 laminated Visual Schedules for morning routine, bedtime routine, and all purpose schedules that can be used any time – 70+ laminated velcro picture cards for common activities at home and school (cards are 1.5 x 1.5 inches with velcro backing attached) ![]() ![]() ![]() Texas must beat Florida Atlantic and Texas A&M to become bowl eligible and avoid the Longhorns' first losing season since 1997. Born:DecemCollege:Florida A&M Drafted:Not drafted by an NFL team. Johnson leads Texas (4-6) with 361 yards and five touchdowns. Profile Statistics Profile Height:6-3 Weight:335 lbs. Nate Newton is the Carl DeSantis Associate Professor of Business Administration in the Department of Accounting at Florida State Universitys College of. In the crowded annals of Cowboys malfeasancefrom the indecent exposure of Lance Rentzel to the larceny of the late Larry Bethea (who stole his mother's life savings) to the crack-fueled depredations of Hollywood HendersonNewton's transgressions stand out for their sheer. With Newton's career now over and senior Fozzy Whittaker nursing a sore shoulder, junior Cody Johnson is listed as the starter for Saturday's game against Florida Atlantic (4-5). Nate Newton has forgiven himself, so maybe you can forgive him too. ''It's one of the tough things you have to deal with in this sport.'' ''He's a true teammate and a great football player,'' Kirkendoll said. Texas senior wide receiver James Kirkendoll said the team didn't know of Newton's decision until Monday morning. Newton welcomed the chance to stay with his teammates, offering to help anyway he can ''even if it's just running to give somebody water.'' You were a guy who could help them win, now you can't do that anymore,'' Brown said. Your concern you have is your friends won't look at you the same way. ''We try to get them in the mainstream (of the program) to rebuild their identity. ![]() He did not practice last week and met with team doctors and his family a few hours before the Oklahoma State game to make his final decision.īrown said Newton will remain close to the team and could help coach running backs next season. Newton said he doesn't remember the play he got hurt against Kansas State. ''He's earned his scholarship here,'' coach Mack Brown said. ![]() ![]() The agency received authority to secure reinsurance through the Biggert-Waters Flood Insurance Reform Act of 2012 and the Homeowner Flood Insurance Affordability Act of 2014. FEMA’s 2024 reinsurance placement builds upon its previous reinsurance placements as further development toward a stronger financial framework.įor more information, visit the NFIP Reinsurance Program webpage on. Treasury.įEMA contracted with Guy Carpenter and Company, a subsidiary of Marsh & McLennan Companies, to provide broker services to assist in securing the reinsurance placement. If a qualifying catastrophic flood event occurs, reinsurance companies cover a portion of the NFIP’s losses to enhance FEMA’s ability to pay flood insurance claims without borrowing from the U.S. Reinsurance is a financial risk management tool used by private insurance companies and public entities to protect themselves from large financial losses. ![]() The improvements in spatial accuracy provided by the new base map, and the availability of electronic floodplain information should greatly enhance the ability to use the maps for planning, permitting, and insurance. “However, the program will adjust NFIP reinsurance investments whenever necessary to reflect market conditions as we did again this year.” The DFIRMs are digitally converted flood insurance rates maps that will be compatible with GIS (Geographic Information Systems). “With continued difficult market conditions this year, FEMA remains committed to long-term use of private sector reinsurance,” said David Maurstad, Assistant Administrator for the Federal Insurance Directorate and senior executive of the National Flood Insurance Program. If a named storm flood event is large enough to trigger all reinsurance agreements, FEMA will receive qualifying payments. 22.0625% of losses between $9 billion and $11 billionĬombined with the three capital markets reinsurance placements in 2021-23, FEMA has transferred $1.9195 billion of the NFIP’s flood risk to the private sector.8.9125% of losses between $7 billion and $9 billion.FEMA will pay a total premium of $121.1 million for the coverage. The 2024 reinsurance placement covers portions of NFIP losses above $7 billion arising from a single qualifying flood event. The agency has transferred an additional $619.5 million of the NFIP’s financial risk to the private reinsurance market. This annual reinsurance agreement provides coverage in 2024 through the support of 18 private reinsurance companies. ![]() ![]() WASHINGTON - FEMA announced its 2024 traditional reinsurance placement for the National Flood Insurance Program (NFIP), continuing its risk management practice against catastrophic flood losses. ![]() |
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