Additionally, there is a section for full reimbursement items, in case one roommate needs to spot the other for purchase. The bill section includes categories for rent, electricity, cable/internet, and water, while the purchases section allows for both 50/50 split purchases and split purchases based on income share percentages. By inputting their respective incomes, the spreadsheet will automatically calculate each share of the monthly bills and purchases. This Google Sheets spreadsheet for splitting bills based on income is designed to help individuals divide bills and purchases based on their individual incomes. By using this template, the group can easily keep track of their shared expenses and ensure that everyone contributes fairly to the overall costs of the trip or event. The table also shows the total costs paid by each individual, the total costs owed by each individual, and the difference between what they owe or are owed by others. The “Who paid” column records the person who initially paid for the expense, and the per-person cost is calculated by dividing the total cost by the number of participants. Each person’s individual contribution towards an expense is recorded as ‘1’ or ‘0’ to indicate whether they participated in the expense or not. These include hotels, dinners, car rentals, car insurance, gas, conference fees, and various other activities. This expense splitting template can help a group of friends divide expenses incurred during a trip or event. Google Sheets Template for Splitting Expenses Use this spreadsheet to keep track of expenses and settle up at the end of a trip or event.ĭownload Excel Template 2. This spreadsheet can be very helpful in managing group expenses, ensuring that everyone pays their fair share and avoiding misunderstandings or conflicts. The “Total” column displays the total amount owed by or owed to each person, and the “Pay/Receive” column shows the net amount each person needs to pay or receive. The “From” and “To” columns indicate who paid the expense and who the expense is split among. Each expense is listed with the name of the person who incurred it, the expense category, the amount, and the date. This spreadsheet for splitting costs is an excellent tool for keeping track of shared expenses among a group of people. How do you split expenses in Google Sheets?ġ.Say goodbye to the chaos and confusion of shared expenses and embrace a new era of the financial organization today. With our help, you’ll quickly learn how to easily manage your shared finances so you can focus on what truly matters in your relationships. In this article, we will explore some easy-to-use, customizable templates which have been designed to save you time and effort while ensuring everyone involved is on the same page. Thankfully, there is a way to alleviate this financial burden and clarify your shared expenses. Miscommunication and disputes can easily ensue, further straining relationships and adding unnecessary stress to your life.Īs the agitation around managing shared expenses continues to grow, you might find yourself longing for a solution that simplifies the process and restores harmony to your living situation. The problem arises when you’re trying to split expenses fairly and accurately without getting lost in the sea of numbers and receipts. Whether you’re living with roommates, managing a household with your partner, or even just keeping track of shared expenses with friends, managing finances can be a challenging and often frustrating task.
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The other catalyst for Bitcoin is in the futures market. The two yields rose above 5% a few weeks ago. The 10-year bond yield dropped to 4.33% while the 30-year has moved to 4.55%. The average gasoline price has moved to $3.20.Īll this explains why American bond yields have retreated this month. Brent has fallen to $80.60 while West Texas Intermediate (WTI) moved to $76.50. There are signs that inflation has continued falling, helped by lower crude oil prices. Economic data by the Bureau of Labor Statistics (BLS) shows that the headline Consumer Price Index (CPI) to 3.2% in October.Ĭore inflation also fell to 4.0% during the month. The view of rate cuts in 2024 has been supported by the recent trends in inflation. If this happens, it will be a major reversal now that the bank has hiked rates from zero to about 5.50%. Most analysts believe that he will cut rates by 0.25% by June. In his statement, he sounded optimistic that the bank was successful in engineering a soft landing.Īs a result, he expects that the Fed will likely start cutting interest rates in 2024. The main catalyst for the BTC/USD pair was a statement by Christopher Waller, one of the most hawkish Fed officials. It was trading at 38,400, much higher than the year-to-date low of 15,296. The BTC/USD pair has risen in the past seven straight weeks, outperforming key assets like stocks and commodities. Buy the BTC/USD pair and set a take-profit at 40,000.īitcoin price continued its bullish trend as it reached its highest point since May 2022, helped by the dovish statement by Christopher Waller.Sell the BTC/USD pair and set a take-profit at 37,000. She was a pack a day smoker, Pauline was. “She got it from sending in cigarette box lids or something. “My wife’s sister Pauline gave her this thermos,” he said, as he rubbed his fingers across the letters. The diplomas as proof of how far I’d come and the thermos as a reminder of how I’d learned to get there. I made a small stand for it next to my diplomas. The act of being artful in getting what you want is not a skill I’d have gained if it weren’t for his negligence as a parent. The irony is not lost on me that the only thing he’d ever given me was part of what ended up killing him. It’s amazing what an infusion of pride can do for a lonely little boy. My life hadn’t exactly accelerated into prosperity, but cold Kool-Aid from a thermos under the shade of a big tree was a welcome hideaway from the disappointment of reality. I’d begun to create a camp around the tree, a clandestine compound in the woods to keep and display all of my new stuff, stuff generously bestowed upon me by a cowboy from the west. I brought my new stuff out to the woods where I’d stashed an additional 200 Miles in plastic bags inside an old tree. I even began going through teachers’ pockets, but never taking anything more than the Miles inside the cellophane wrapped boxes. I’d begun sneaking into the teachers lounge at school and found discarded boxes in the trash. I ordered a thermos, a portable radio, a towel and a pair of sunglasses, all emblazoned with the logo of the company that was foolish enough to send me all of this stuff for free.īy the time my first package arrived, I’d become quite enterprising in my acquisition of Marlboro Miles. It felt like I’d stumbled upon some great scheme. Once I was sure I’d counted right, I began to finger through the catalog. 159 Miles, a number I was sure to count 3 times, stacking the papers in 15 piles of 10 across the wood floor of my bedroom and one pile of 9. I silently snatched them and hurried up to my room. I treated it like the infiltration of a heavily guarded bank vault or the compound of some cartel. I wasn’t sure what I thought was going to happen. That first time I gathered the Miles from next to my father’s unconscious body, strewn akimbo on the worn velvet of the Lay-z-boy. I stole the catalog that night, but promised myself I’d return it. I decided I was going to take these miles from him, however curious this currency sounded, and get some stuff of my own. A treasure trove if my neighbor was right. What I did know, though, was that my father had a giant pile of discarded cigarette boxes in between his recliner and the magazine rack I wasn't supposed to look at. I wasn't sure what cereal he was eating, because the white and brown boxes of government cereal we got didn't have any prizes. “My sister got a pair of sandals from it.” Like saving up from cereal boxes for the special toys,” my neighbor told me. Why would a company just give you free stuff? When I first saw the Marlboro catalog at a neighbor’s house, I didn't understand it. It was actually because he spent it all on Michelob. I always blamed him for my lack of stuff, and it wasn't a wholly inaccurate accusal, but I thought I didn't have anything because he spent all of his money on cigarettes. In the evening when he drank there was what seemed like a perpetually lit cigarette in his hand, a Lilliputian smokestack of American grown tobacco streaming from his body. Everyone I knew had stuff, stuff they’d got for their birthdays or Christmas, gifts and surprises, even stuff they’d got because they're old stuff had gotten worn out enough to warrant new stuff. It seemed the most effective means to get what I wanted – stuff. I started collecting Marlboro Miles when I was 8. The deadline to be considered for our contest is 11:59 ET April 8, 2012.Ĭlick here for the complete rules and regulations for the contest.Feel free to write stories for all three objects - but only one story per object will be considered (the first submitted).(Entries exceeding 1,000 words will not be considered.) Keep it short: we suggest around 500 words.( Here are some ideas to get you started.) Write a backstory for the object: it can be in any form you choose - short story, encyclopedia entry, poem, comic, etc.→ UPDATE: Our contest has closed, but you can read all the entries below. “Without being dated, it could be anytime from 1955 to now, but you know that, because it’s cobranded with Marlboro, it’s from a while ago." Kurt is drawn to the fact that he can’t easily place the object in time. The thermos is made by Coleman and cobranded with Marlboro. Kurt Andersen met Rob Walker, co-editor of Significant Objects, at Vintage Thrift in Manhattan to pick out three objects for our contest. Significant Object: Marlboro Thermos ($5) Leonard Doncaster was the first to prove that tortoiseshell is the female heterozygote of orange and black, the corresponding male being orange. Tortoiseshell coloring can also be expressed in the point pattern, referred to as a tortie point. Not uncommonly there will be a "split face" pattern with black on one side of the face and orange on the other, with a dividing line running down the bridge of the nose. These patched tabbies are often called a tortie-tabby, a torbie or, with large white areas, a caliby. Occasionally tabby patterns of black and brown (eumelanistic) and red (phaeomelanistic) colors are also seen. Dilution genes may modify the coloring, lightening the fur to a mix of cream and blue, lilac or fawn the markings on tortoiseshell cats are usually asymmetrical. Typically, the more white a cat has, the more solid the patches of color. The size of the patches can vary from a fine speckled pattern to large areas of color. Tortoiseshell cats have particolored coats with patches of various shades of red, grey, and black, and sometimes white. Patterns Cat with a blue ("dilute") tortoiseshell coat A tortoiseshell with characteristic "split-face" pattern This pattern is especially preferred in the Japanese Bobtail breed, and exists in the Cornish Rex group. Tortoiseshell markings appear in many different breeds, as well as in non-purebred domestic cats. Those that are predominantly white with tortoiseshell patches are described as tricolor, tortoiseshell-and-white, or calico (in Canada and the United States). "Tortoiseshell" is typically reserved for multicolored cats with relatively small or no white markings. Tortoiseshell cats with the tabby pattern as one of their colors are sometimes referred to as torbies or torbie cats. The colors are often described as red and black, but the "red" patches can instead be orange, yellow, or cream, and the "black" can instead be chocolate, gray, tabby, or blue. Tortoiseshell cats, or torties, combine two colors other than white, either closely mixed or in larger patches. Male tortoiseshells are rare and are usually sterile. Like tortoiseshell-and-white or calico cats, tortoiseshell cats are almost exclusively female. Tortoiseshell is a cat coat coloring named for its similarity to tortoiseshell pattern. Here, you’ll be part of elite forces who are fighting to be victorious in an intergalactic struggle to keep the galaxy safe from rising Alien threats. You get much of the same fun and engaging co-op gameplay, with weapons to play around with. Exciting things to look forward toĪfter eight years and a lot of waiting, there is finally the sequel that a lot of fans were asking for in the form of Helldivers 2. Moreover, the game introduces “ stratagems,” a feature that allows players to call upon specialized tactical aids during heated battles. Flexibility is built into every aspect of combat, from a formidable array of primary firearms to extensive customization options. Continuing from where the first chapter left off, players don the mantle of Helldivers, the elite peacekeepers, engaging in a galactic war with a mandate to safeguard their planetary home.Īrmed for interstellar battles, Helldivers have at their disposal galactic tools of war that are unmatched in their capacity to wreak havoc. Alien forces are plotting the downfall of the Super Earth world and its philosophies. Helldivers 2 plunges players into the heart of a cosmic conflict where freedom, peace, and "managed democracy" - the very foundations of life on Super Earth - are at stake. In this game, you step into the shoes of an elite soldier whose mission is peacemaking and maintaining democracy. You can even call on air support during missions, including bomb drops, anti-personnel mine deployers, and other tactical tools available to you. To level the playing field, there's an arsenal of superpowered weapons you can customize for all types of load-outs and battle scenarios. That is made even more complicated and tricky with the persistent friendly fire enabled. Classic first-person shooter game puts you in the drivers seat of the action. You still get to play with up to three other players, as well as that punishingly hard combat the original was known for. The original, published by Eidos Interactive, is a presentation of a. The game is a game of furtif à la first personne. 2, is a new tactical video from 2003 developed by Innerloop Studios and published by Codemasters. The biggest and most apparent change in this sequel is the shift to a third-person over-the-shoulder view, which completely changes how the game feels and plays. Covert Strike, in the PAL region and the name of Project I.G.I. However, Arrowhead Studios has made some interesting changes this time around. Many were asking for a sequel and that request is finally going to be fulfilled with the release of Helldivers 2. The result was an action-packed experience that was challenging and fun. If Eidos Interactive wants to appeal to modern gamers, a battle royale mode may be necessary.Helldivers is a game that was made for fans of co-op shooters that combined sci-fi themes and top-down twin-stick gameplay. Search a Classic Game: Download full I.G.I.-2: Covert Strike: Download - Easy Setup (736 MB) I.G.I.-2: Covert Strike screenshots: IGI 2: Covert Strike, the sequel to Innerloops Project IGI: Im Going In, is a stealth-based action title in which players assume the role of David Jones a British operative of the IGI organization, a clandestine. The gameplay is tried and true, but the game needs to appeal to a modern style of gameplay. The I.G.I series has to compare to the widely popular Counter-Strike series, SWAT series, and even other genres of shooters such as Call of Duty. Project I.G.I has stiff competition in the genre. Despite this, the game prevailed and shined in other areas of gameplay. This meant that the game that has a total of 14 missions, has to be beaten in a single session without a game over. This game was also extraordinarily difficult due to the lack of a save game feature. The game lacked the features that made other shooters of the era famous: strong A.I and multiplayer. The game was not revolutionary, but the aesthetics proved enough for the company to produce a sequel, I.G.I.-2: Covert Strike, and the upcoming prequel, I.G.I.: Origins, set to release in 2021. The game used the same engine as another popular game, Joint Strike Fighter, to produce this beauty and design. Aestheticsįor the era, Project I.G.I was praised for its sound design and visual style. The plot is basic but easy to understand. The enemy learns that the nuke has been stolen from them and they attack. The game received mixed reviews due to shortcomings including a poorly programmed A.I. It was developed by Innerloop Studios and released in December 2000 by Eidos Interactive. The game follows a protagonist who infiltrates an enemy base alone to find a stolen nuke. (released in North America as Project I.G.I.:Im Going In) is a tactical first-person shooter video game. The game plays much like a typical shooter, right down to the plot. The Minnesota state government has a white pages that provides free information called public records that anyone can search. We have a minnesota reverse phone lookup where you can search any unknown phone number. If you have trouble finding the mobile phone number records you are looking for, you can try our phone directory. To lookup the full phone number, you can use the Minnesota Whitepages. Whistleout also noted that in isolated areas, coverage was not dependable. T-Mobile and Verizon have reliable coverage throughout Minnesota.This guide from WhistleOut shares with us about some interesting coverage finds. We have a free Minnesota reverse phone lookup where you can search for any unknown phone number. If this does not yield any successful results, there is an alternative method that we highly suggest. If you are getting a call from a cell phone number, it is more than likely from one of these providers. The most popular mobile phone networks in Minnesota are AT&T, Verizon, T-Mobile, and Sprint. Popular Networks And Network Coverage In MN Popular / Most common Areacodes Serviced:Īrea code 218, the Northern area of Minnesota.Īrea code 320, the area that covers approximately the central third of the state with the exception of the greater Minneapolis-Saint Paul area.Īrea code 507, the lower third of MinnesotaĪrea code 612, which serves Minneapolis, Fort Snelling, Richfield, and Saint AnthonyĪrea code 651, which covers Saint Paul, the suburbs to the East of the Minneapolis-Saint Paul metropolitan area, and added areas that are along the Mississippi River all the way to WabashaĪrea code 763, which serves the suburbs that are northwest of MinneapolisĪrea code 952, area that covers the suburbs that are southwest of Minneapolis, add Lakeville and Apple Valley. You can start out by finding out what area the phone number originates from. To try and perform your own White Pages Minnesota Lookup, there are a few ways to do so. Minnesota White Pages Reverse Phone Lookup Tool box supports all device brands and several languages, but not all models have the appropriate sensors to support all tools and utilities, especially from the measure kit. You need effective SEO tools which are 100 free Check out our Search Engine Optimization tools for checking backlinks, tracking keyword positions and more. PingTools Pro is a more advanced version of the PingTools & Network Utilities application, and it provides you with many more useful features than the old version. Tools that are sensor sensitive can be calibrated for the best tool accuracy. The application that is capable of doing all that was developed by StreamSoft with the name PingTools Pro. You can create separate shortcuts for each tool from the kit. Our Super App is a powerhouse of cutting-edge tools such as basket orders, GTT orders, SmartAPI, advanced charts and others that help you navigate capital markets like a pro. Its called a universal assistant that every user should have on their mobile phone. We offer a wide range of innovative services, including online trading and investing, advisory, margin trading facility, algorithmic trading, smart orders, etc. A set of utilities to help you with many different tasks - Smart Tools - Utilities. Other useful utilities kit: Unit, currency and size converter Calculator Code scanner: QR code and bar code Text scanner NFC scanner Accelerometer Time zones Mirror Dog whistle Microphone Metronome Pitch tuner Counter Random generator Pedometer Body mass index Period tracker Translator Notepad. Tools Smart Tools Pro v20.6 MOD APK (Unlocked) Smart Tools Pro v20.6 MOD APK (Unlocked), Ap. Measure tools kit: dB level: Measure the sound dB level and its spectrum Location (map) with altimeter Distance meter Stopwatch Thermometer Magnetic field meter (metal detector) Vibration level meter Luminosity (LUX) level meter Color sensor Speedometer Compass Battery tester Network speed test Drag Racing. Use device's in-built sensors in all in one tool box app, useful like a swiss army knife.Ĭarpenter + construction tools kit: Ruler Bubble level Laser level Light: Manual torch light, strobe light or a sound driven light show Protractor Magnifier. Smart Tools - All In One is a useful kit of tools with 40+ carpenter, construction, measure and other tools and utilities. The description of Smart Tools - Utilities Download: Smart Tools - Utilities PRO APK (App) - Latest Version: 18. One can safely assume his portraitist was kissing ass. King Charles II, who ruled with a mustache in 1660 until 1685, is featured in portraits with one in his early teens. When Britain moved away from Puritan rule, the mustache remained a symbol of status and a far more manly affectation. After both mustaches were depicted in the art of the time, the masses parodied them in attempt to achieve the same distinguished look. In a heavily bearded time, King James I and his son King Charles I set themselves apart as regal with their respective handlebars. But the mustache as it’s known today came into its own in England during the Elizabethan era. These men are inheritors of a rich and shockingly long tradition.Īrchaeologists believe even cave-dwelling nomads shaped their facial hair into mustaches using shells and tweezers. To that point, American men with mustaches make on average 8.2 percent more money than men with beards, and 4.3 percent more than clean-shaven men, a survey of 6,000 men reveals. “Mustaches can be symbolic of assertive masculinity.” Even cave-dwelling nomads shaped their facial hair into mustaches using shells and tweezers. “Nothing can be simply a symbol of manliness because manliness is many things, both good and bad,” explains Christopher Oldstone-Moore, a professor of history at Wright State University and author of Of Beards and Men: The Revealing History of Facial Hair. In other words, mustaches are shaped in part by sexual dynamics, but not best understood as a means of attracting a mate. Research shows that mustaches are most common in societies where there are a surplus of men in the mating market (think: polygamous cultures). Scientists suspect that the goal in growing them is not to attract mates - studies seem to indicate female ambivalence - but to compete with other men for dominance. That might sound odd in an era of proliferating beards, but there’s plenty of historical precedents.Īlthough testosterone levels do not directly dictate facial hair, there’s evidence that people still believe that men with it are manlier than their clean-shaven counterparts. The pedophile and pornstar jokes emerge from a place of discomfort with overt celebrations of manhood. This is why today mustaches are often considered to be creepy. What they mean depends largely on cultural or individual feelings about manhood and masculinity. As such, all mustaches can be understood as gestures of what researchers call “performative masculinity.” They mean something. It is extremely rare that a man’s facial hair naturally grow into under-nose topiary if left alone to do its thing. Different men grow mustaches for different reasons, but all these men share one thing in common: They made a choice. Lip fuzz can be a marker of class, non-conformity, delinquency, aspiration, or hypersexuality. These others methods have a tendency to induce seizures or cause other mind altering affects that are more dangerous than auditory stimulus. These findings indicate that the presentation of binaural auditory beats can affect long-term memory both positively and negatively, depending on the frequency used. Binaural beats are often seen as safer than other methods of tuning into brainwaves frequencies, such as photic or electromagnetic. On the other hand, we could not find differences in the conditional probability for recall given recognition between beta and theta frequencies and white noise, suggesting that the observed changes in recognition were due to the recollection component. He discovered when signals of two different frequencies are presented separately, one to each ears, your brain detects the phase variation between the frequencies and tries. Exposure to beta-frequency binaural beats yielded a greater proportion of correctly recalled words and a higher sensitivity index d' in recognition tasks, while theta-frequency binaural-beat presentation lessened the number of correctly remembered words and the sensitivity index. Here’s are the key differences between binaural beats and isochronic tones: German scientist Heinrich Wilhelm Dove was the first person to discover binaural beats in 1839. Participants (n = 32) were kept blind to the goal of the study and performed both the free recall and recognition tasks after being exposed to binaural auditory beats, either in the beta (20 Hz) or theta (5 Hz) frequency bands and white noise as a control condition. The aim of this study was to determine the effect of binaural auditory beats on long-term memory. This perceptual phenomenon is known as binaural auditory beats, and it is thought to entrain electrocortical activity and enhance cognition functions such as attention and memory. The presentation of two pure tones to each ear separately with a slight difference in their frequency results in the perception of a single tone that fluctuates in amplitude at a frequency that equals the difference of interaural frequencies. World class shadowrunners, mercenaries, hackers, and magicians. Attributes have One Terminal Rating and the rest at +4 added to the minimum Attribute Rating for their metatype or less (Humans for all Attributes except Edge would be at a 5 or less). Skill limit at 10 for 1 Skill or Skill Group, 9 for a second Skill or Skill Group and the rest at 8 or less. Limit on Resources to 45 BP or 600,000 nuyen. Prime Runner: The experienced geniuses, the exceptional professionals, and the best of the best amongst the disadvantaged. Skill limit at 8 for 1 Skill or Skill Group, 7 for a second Skill or Skill Group and the rest at 6 or less. Limit on Resources to 35 BP or 450,000 nuyen. Standard: The young geniuses, the competent professionals, and the cream of the crop amongst the disadvantaged. Knowledges and Languages limit at 6, Attributes have One Terminal Rating and One (Terminal Rating -1) and the rest at +3 added to the minimum Attribute Rating for their metatype or less (Humans for all Attributes except Edge would be at a 4 or less). Skill limit at 6 for 1 Skill or Skill Group, 5 for a second Skill or Skill Group and the rest at 4 or less. Limit on Resources to 10 BP or 75,000 nuyen. Street: These are the young, the disadvantaged, the has beens, the almost was, and the burnouts. With this system Magicians, Mystic Adepts, and Technomancers will be weaker, Aspected Magicians will be much stronger, and characters that rely on nuyen will be a little bit better off. This system is compatible with my Shadowrun Overhaul Rules on Karma and Character Advancement House Rules and the standard ruleset. In order to help the character creation process I also made Archetypes which use half the BP’s for a standard character to provide a template and aid for character building. Shadowrun Character Creation, Advancement, and Conversion:Īs an alternative to the Priority Table path to character creation I decided to try my hand at using Build Points as previous editions have done. |
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