![]() ![]() There aren’t enough vehicles to satisfy demand from buyers, which means long waiting lists and high prices. Shortages and supply chain glitches have resulted in a shortage of new vehicles for dealers to sell. Nobody can be happy with what’s happening in the auto industry these days. Rob’s personal finance reading list Now is a terrible time to buy a new vehicle Open this photo in gallery:Īre you reading this newsletter on the web or did someone forward the e-mail version to you? If so, you can sign up for Carrick on Money here. Home ownership can be a big part of your overall personal financial plan. This is the period of time when you’ll draw on money in your tax-free savings account, registered retirement savings plan and, if you’re fortunate, a company pension. But you might spend 20 or 25 years in retirement until that point. Home equity can set you up for the latter stages of retirement – you could use a HELOC or reverse mortgage to pay for home care or sell your home and use the proceeds to cover the cost of a retirement or long-term care home. Downsizing is another way to unlock home equity, but you have to move somewhere substantially cheaper and not spend a lot of money fixing it up. Here are the flaws in this reasoning: The easiest ways to access equity in a home is through a home equity line of credit or a reverse mortgage, both of which carry hefty interest rates right now. In retirement, you just have to tap into all the home equity you’ve acquired. Homes can be relied upon to rise in value over the years, so this burden seems worthwhile. At their age, most of their financial energy is sucked up by their houses. It’s easy to see why Gen Z and millennials might see their house as a retirement plan. Among people aged 18 to 34, 56 per cent strongly or somewhat agreed that selling their house would take care of their retirement. This idea seems far more entrenched among younger people. Overall, 38 per cent of survey participants somewhat or strongly agreed with the idea that selling their home would set them up for retirement. The extent to which Canadians believe their home will pay for retirement was documented in a recent retirement survey commissioned by the Healthcare of Ontario Pension Plan, or HOOPP. For that, you need your own savings or a pension to layer on top of the Canada Pension Plan and Old Age Security. ![]() Home ownership has many virtues from a financial point of view, but it doesn’t take care of your retirement.
0 Comments
![]() Sloths have a short, flat head, big eyes, a short snout, a short or non-existent tail, long legs, tiny ears and sturdy, curved claws are on each foot. Physical Features: Sloths have a thick brown and slightly-greenish fur coat and are about the size of a cat around 2 feet (61 centimetres) long.Three-toed sloths, on the other hand, have a limited diet of leaves from only a few trees. Two-toed sloths have a diverse diet of insects, carrion, fruits, leaves and small lizards, ranging over up to 140 hectares. ![]() Diet: All sloths eat the leaves of the cecropia. ![]()
![]() Members of the organization will now be able to access the new Teams 3D emojis by switching to Developer preview on their desktop client.
![]() Remember that tickets are usually the biggest single expense in your package, and 7 day tickets cost only a little more than 4 day tickets. For that reason, the Magic Your Way tickets included in your package are heavily discounted on longer (5 to 7 day) stays. ![]() The first thing you need to bear in mind is that Disney REALLY wants you to have a 6days/ 5 nights vacation. This plan also includes a resort refillable mug per person. Disney’s Magic Your Way Package Plus Dining Plan – This package includes everything from the Disney’s Magic Your Way Package, and adds a dining plan that includes two meals (one table service, one quick service) and two snacks per person, per package night at more than 100 restaurants across the Walt Disney World Resort.You can choose from dozens of counter service restaurants across the Walt Disney World Resort. Disney’s Magic Your Way Package Plus Quick Service Dining Plan – This package includes everything from the Disney’s Magic Your Way Package, and adds a dining plan that includes two quick service meals and two snacks per person, per package night, plus a resort refillable mug per person.The package includes accommodations at a Disney-owned-and-operated resort hotel, and Magic Your Way base tickets for everyone in the group. Disney’s Magic Your Way Package – The base package helps you experience the magic of a Walt Disney World vacation at an affordable rate.The following merchandise and food discounts were removed: Portobello Country Italian Trattoria, Wolfgang Puck Café, Planet Hollywood, Basin, LittleMissMatched.įor 2017, you can choose from the following Magic Your Way package options: Reduced benefits for 2020: Quick Service meals on all dining plans no longer include a dessert with lunch or dinner. New benefits for 2020: the Quick Service Dining Plan and regular Dining Plan now include two snacks per person per day. Build and Book You Vacation Package Right HERE!įor 2017, most of the prices for the various dining plans only went up by a few dollars, and the adult price for the deluxe plan actually went down a few dollars! The Premium Package and the Platinum Package have been discontinued. It costs you nothing, and you can sit back, relax, and have all the vacation planning and hassle taken care of by someone else. Our advice is this: if you want to book a Walt Disney World vacation package, we strongly recommend using a travel agent who specializes in Disney travel. That’s why we think it’s a good idea to have someone knowledgeable on your side, making sure all the details are covered. It can be difficult to sort out what is best for your particular situation. ![]() just booking your room and tickets separately, click here for information that should help you decide. If you’re not sure about whether to buy a package vs. Disney World packages have rules about advance payment, cancellations and changes that are usually much more restrictive than those associated with “room only” reservations. However, Disney sometimes offers exclusive promotional package discounts, particularly in the off-season, that do not have any room-only equivalent, where you get a discount on dining instead of (or in addition to) a hotel discount. When Disney offers package discounts, usually they are calculated as a discount on the hotel portion of the package and are identical to a room-only discount offered at the same time the tickets and dining plan are charged at full price. In most cases you will not automatically get a discount by purchasing a package! It can be cheaper to book a “ room only” reservation (ideally with a discount) and then buy the package components ( tickets, meals, etc) separately. However, it is important to note that the standard full-price Disney vacation packages are designed for convenience rather than savings. You get everything you need (except airfare) with one purchase. A lot of people like Disney’s vacation packages because they are convenient and worry-free. ![]() Have you ever tried the yummy fusion of sugar cookies covered in marshmallow fluff? With this juice, that is the exact flavor you get! You no longer have to worry about adding on a few pounds with dessert when you can just vape it! Trust me, the delightful flavor of sugar cookies with marshmallow fluff slathered on top is one of the most satisfying tastes that will hit the spot every time! On the inhale, your taste buds are greeted with the succulent flavor of a sugar cookie freshly cooled from the oven. As you exhale, the creamy milk flavor combines with the cinnamon leaving you to ponder on if your vaping or eating cereal, just without the crunchiness. ![]() As you inhale, the taste of sweet cinnamon kisses your taste buds, awakening them in the most delightful way. Bring your favorite cereal with you everywhere with Krunchy Squares. The flavor of cinnamon swirling around your mouth mixing with creamy milk is such a delectable taste that once you try it, you won’t be able to put it down. ![]() Krunchy Squaresīringing you back to your youth of eating cereal everyday before school, Krunchy Squares is the exact flavor of your favorite cinnamon toast cereal. Kiberry Killa is one of the most succulent juices on the market now leaving all of your desires satisfied and smothering all traces of your thirst. On the exhale, the sweetness mixes with the tangy taste of kiwis creating the most extraordinary tangy-sweet combo you’ll ever find. On the inhale, the sweet, sugary taste of fresh strawberries hits your tongue leaving your mouth watering with delight. Bright, intense flavors is what this juice offers, quenching even your most bone breaking thirst. The perfect mixture of saccharine strawberries and flavorful kiwis will overwhelm your senses and excite them to no end. As you exhale, your taste buds are soothed by sweet strawberries and a ice flavor that will remind you of your favorite corner store Icee drink. A revitalizing flavor that is like no other. With a menthol foundation, this juice leaves you feeling refreshed and ready for whatever is going to be thrown your way every day! As you inhale, the rush of tart blue raspberry hits your taste buds and gives them a jolt. With the delectable flavor of tangy blue raspberry and sweet strawberries, no juice will make you jump for joy like this one. Keep It 100 Vape Juice Flavor Review Blue Slushieīlue Slushie is the perfect vape juice to kick start your day and to continue vaping throughout the entire day. With intense flavors that come in 100ml chubby bottles this company brings you the most flavor for low prices! Since 2014, Keep It 100 Ejuice has brought their devoted fan base high-quality juice and new flavors so often that has them coming back for more and more. Keep It 100 Ejuice brings you a flavor for every mood from creamy to fruity you truly can’t go wrong with this juice line. ![]() This automatic spray, however, comes with unlimited fragrance options for users. It helps in getting rid of the strong stinks of pets. The automatic dispenser features protection technology with neutralizers and bad odors in the home. This brand includes summer delights, fresh water, linen, lavender, and chamomile. You can easily adjust the device without being too concerned about the fragrance. The entire package easily lasts for around 5 months. On the other hand, the canister lasts approximately 70 days on the low setting, which is 40 minutes interval. ![]() This dispenser also comes with a red light that indicates refill time. The spray intervals are three, which include 9, 18, and 14 minutes. You have three intensity options for controlling the fragrance with the automatic dispenser, which ranges from medium to high to low. The wide angle of the automatic dispenser distributes the fragrance easily in an outward and upward direction.Īir wick automatic dispensers work well for months without replacing batteries. You need to have a distance of around 7 feet above the floor, allowing the fragrance to disperse easily throughout the room. ![]() The air wick automatic dispenser can be easily mounted over the wall and placed over the dresser or tabletop. Mounting and Usage Air Wick Automatic Spray It is relatively more expensive than the air wick freshmatic dispenser. The Glade dispenser, on the other hand, comes with a single device and 3 refills. It uses one battery and is comparatively more affordable than the Glade automatic dispenser. The basic difference between the Air Wick's freshmatic automatic dispenser and Glade automatic dispenser is as follows:Īir Wick's freshmatic automatic dispenser comes with a single device with two refills. Automatic air fresheners are an ideal fit for any room in a household, whether it's a kitchen, bathroom, family room, officer's bedroom, or others. Air Wick Vs Glade: Automatic Dispenser Comparisonsīoth these companies offer a diverse range of household solutions that are perfect for making your home feel luxurious. Not sure which one will work well for you? Have a look at the detailed comparison of both fragrances. The automatic spray is best for controlling the intensity of the scent covering spaces, while the glade spray is best for people who like modern devices with additional settings. It is very convenient to use them because you don't need to spray them manually or keep a check on them.īut how they function is the most important question for both air wick and Glade automatic dispensers. Questions & selections Air Wick vs Glade, which plug-in is the best? 01 november 2022Īutomatic sprays from different brands are highly convenient because they release fragrance promptly. ![]() It is nonetheless strongly encouraged that students determine any additional requirements for licensure in the state in which they seek to be licensed. At this time, we have determined that the Physician Assistant Program meets the educational degree completion requirements for licensure in all 50 states, the District of Columbia, and the US protectorates, as defined in 34 CFR §600.2. Pallavi Patel College of Health Care Sciences Physician Assistant Program in Orlando is an Accreditation Review Commission for Education for the Physician Assistant, Inc. Professional Licensure Disclosure Statement: The Nova Southeastern University, Dr. ![]() Master of Medical Science in Physician Assistant Professional Licensure Disclosure Statement The PA Program is proud to be a supporter of the Physician Assistant History Society The program's required competencies for entry-level physician assistant practice can be reviewed here.įor information regarding student attrition, click here.įor more information regarding the new NSU PA Program in Orlando, contact us at (407) 264-5150. We work towards producing competent primary care physician assistants, improving the health care delivery of underserved areas, and promoting the physician assistant profession. The program strives to meet its mission and goals. The maximum enrollment of 64 admitted students in the Orlando program provides a very low student to faculty ratio. The Physician Assistant Program in Orlando offers educational excellence through the extensive experience of its faculty and its facilities housed in our 60,000 square foot state-of-the-art campus. Information regarding this opportunity can be reviewed here. The PA Department is also pleased to offer a PA/MPH Concurrent Degree Program providing an opportunity for students to attain an MPH degree in addition to the entry-level Master of Medical Science Physician Assistant degree. The program is located in Nova Southeastern University's Regional Campus in Orlando, conveniently located just off of I-4 at 4850 Millenia Boulevard near the Millenia Mall. ![]() Welcome to the NSU Physician Assistant Program Orlando, Florida.
If the player hits TNT with an empty hand or while holding any other item, the block is destroyed and dropped as an item. TNT can only be primed by redstone or any other mechanism that powers the TNT block, as well as by hitting it with flint and steel. Players can no longer cancel the detonation of TNT by hitting it after priming it. Monster traps can no longer be created by putting a pressure plate directly on top of the block of TNT. TNT's fuse time is now 4 seconds, raised from 2 seconds. When broken, TNT replaces every block one level below it that is of the same block type as the block directly below it with wood planks. Hitting an already active TNT block now defuses it and allows the player to pick it up.Įxplosions caused by TNT no longer produce smoke particles. The player starts with 10 blocks of TNT in their inventory. Players have to hit TNT to prime the block. ![]() Notch shows interest in adding "explosives", which would blow up when a pulse from a wire was received. See Bedrock Edition level format/Entity format. If activated from a TNT block, the fuse duration is 80 ticks (4 seconds). Primed TNT use the Friendly Creatures sound category for entity-dependent sound events. While the block is in the process of being broken In Java Edition primed TNT summoned by a command explodes immediately because the fuse time defaults to zero if not specified.įor redstone to activate TNT, it must either lead directly to the TNT, or power an adjacent block. Its detonation damages only the fence block it was "stuck" in. If the TNT is primed atop any sort of fence post that is two blocks high or larger, it falls through the fence block on which it was activated and stops on the next lower one. ![]() The fuse timer keeps counting down (unless the spawn chunks are unloaded, then it pauses until a player loads the chunks). Primed TNT is not teleported when entering a nether portal instead, it passes through portal blocks. Primed TNT teleports as expected when entering an end portal, maintaining its direction and speed. Because the TNT is no longer immersed in water, it can destroy the surrounding blocks. Priming the TNT causes the sand or gravel to fall one block, engulfing the TNT. to enter an ocean monument from the top, one can place sand or gravel on the TNT before it is primed. To make TNT destroy blocks in the water, e.g. ![]() It does still damage players, mobs, and other entities. Primed TNT that detonates outside water can still damage submerged blocks. When primed TNT detonates while in water or lava, it does not break any blocks. Primed TNT cannot mount minecarts or boats. Primed TNT cannot be pushed by players or other mobs, but it moves when in flowing water or lava. The effect is dynamic and the brightened texture can't be found in the assets. Primed TNT's texture blinks, alternating every 0.5 seconds between the TNT block's texture, and a copy of it that has been brightened to near-white. The explosion has an explosive force of 4. If in the air, TNT falls roughly 77 blocks before exploding once it is ignited. When the countdown timer expires, the TNT explodes. Given these velocities, the TNT travels 0.166 blocks (or 6 block pixels) horizontally before it stops, given there is no block in the way. Once spawned, primed TNT is given a vertical velocity of 0.2 blocks per tick, and a horizontal velocity of 0.02 blocks per tick in a random direction. Its fuse lasts 40 redstone ticks (4 seconds/80 game ticks) if activated by redstone or fire, or a random number between 10 and 30 game ticks (0.5 to 1.5 seconds) if it is destroyed by another explosion. The new primed TNT is spawned at the center (+0.5,+0.5,+0.5) of where the TNT block was, like a cube with an edge length of 0.98. ![]() Once primed, TNT turns into an entity, which includes being affected by gravity. Two TNT blocks flank a trapped chest in one secret woodland mansion room. Nine TNT blocks occur naturally in each desert pyramid. Primed TNT cannot be broken as it is an entity, but it can be removed with the / kill command. TNT can be broken instantly with any tool, or without a tool. ![]() Seeing as Zambia has a fair share of Windows smartphones in the Nokia Lumia range especially, this should be good news for user here. This version is WhatsApp 2.12.60.0 and uses either of these internet connections: 4G, 3G, 2G and EDGE, or Wi-Fi if available. The updated version applies to users using Windows 7.5, 8 and 8.1. In this article, I’ve linked these 5 messaging apps for Windows phone users as the best alternatives to WhatsApp and I’m sure you will like any of the above to install on your Windows Phone.Finally Windows phone owners can make voice calls on WhatsApp, after it had already slowed rolled out the extra feature to Android and iOS platforms earlier this year. Not only for Windows phones but these apps are commonly used in almost every operating system. These are widely popular online messaging apps for smartphones. 7 Best WhatsApp Alternatives that Will Make You Forget it.How to Sign out of the Windows Phone App Store?.The application size is 12 MB and supports all currently running Windows phone versions. ![]() It is absolutely free to download from the Windows Phone app store. ![]() With Line, you can exchange free instant messages with friends whenever and wherever you want, share about 10,000 stickers and emoticons, free audio and video call for free, and many more beyond your expectations. With this messenger, you can easily make high-quality calls using a superior codec and a premium network. The more you desire, the next messenger will give you more. This app supports all the major versions of Windows phones such as Windows Phone 7.5, 8, and 8.1. You can download this app from the Windows Phone app store for free in just 11 MB of memory space. The best one of its all features is that Telegram messages are heavily encrypted and can self-destruct. Telegram is enhanced with different mind-blowing features and properties. The next messenger which I am going to include in my today’s list of Whatsapp alternatives for the Windows Phone platform is ‘Telegram’. It can be downloaded in just 14 MB file size on your Windows phone 8 or 8.1 mobile. Now Skype is part of Microsoft which is going to innovate different user-friendly features. With Skype, you can share a story, celebrate a birthday, learn a language, hold a meeting, work with colleagues, or do anything you need to do together every day. This messenger recommends a broadband connection, which improves the quality of your video and voice calls. SkypeĬreate your account now to get in touch, and stay in touch, with your friends, family, and colleagues with the famous messenger ‘Skype’. The application size is 20 MB and it supports only Windows Phone 8 and 8.1 devices. This messenger is enriched with various features such as call non-Viber mobile or landline numbers at low rates, over 1000 new stickers that make messaging funny, group messaging with up to 100 friends, push notifications, and many more. This messenger is very flexible because it integrates seamlessly with your phone and identifies which of your contacts have Viber, so you can start communicating at the time. The only thing that you have to do with Viber is to select a contact and connect freely. With Viber, you don’t need to invite or hassle. Now send free messages and make free calls to any device that has Viber, on any network. The increasing popularity of this messenger is the result of its marvelous features, which include voice chat, group chat, free calls, video calls, sticker gallery, broadcast messages, and many more which you will definitely find useful. The first messenger that I have included in my list of Whatsapp alternatives for the Windows phone platform is ‘GroupMe’ which is a free and easy-to-use application published by Skype. However, now you don’t need to worry because today, I collected the 5 best Whatsapp alternatives for the Windows Phone Platform. For the time many Windows phone users navigated to other handsets such as iPhone, BlackBerry, Android, and others. ![]() Microsoft’s Joe Belfiore said, “The app would be coming soon”. This left a very bad impact on Microsoft’s Windows Phones. But many times we come across situations when we need to get the best Whatsapp alternative.īefore a couple of times, this world-famous messenger got missing from the Windows phone store. WhatsApp Messenger is a cross-platform mobile messaging app, which allows you to exchange messages without a penny. The world has come online with different online messengers and among these messengers, the one that is trendy nowadays is “Whatsapp”. ![]() The customer can avail of a credit lock from Experian using the Experian CreditLock. The Equifax credit report can be conveniently controlled by the customer for life and for free. The Lock & Alert app makes it convenient for a customer to lock and unlock the Equifax credit report. The customer can use a free credit lock from Equifax using the Lock & Alert app. Each of the credit bureaus provides a credit lock feature to the customer. A credit freeze can be requested for free at each of the three credit bureaus. A credit report that is restricted by a credit lock can be unlocked instantly using the customer's computer or mobile device. A credit freeze allows the customer to block access to the credit report. While both a credit freeze and a credit lock do the same thing, a credit freeze is commonly offered free of charge whereas a credit lock is a paid feature consumers can purchase. ![]() It’s a small step that can save you thousands of dollars and hours.There two types of freezes: a credit freeze and credit lock. With data breaches becoming the new normal in today’s digital age, taking control of your credit will help stem the potential damage of your information falling into the wrong hands. The bottom line is that the fewer accounts you unfreeze, the better. It won’t always be possible, but it’s worth checking. It would have been easier if I could have thawed my credit at one bureau. When I was at the Apple store, the representative helping me had no clue which credit bureau Citizen’s Bank would use and a quick Google search didn’t point to a clear answer. Sadly, companies won’t always be willing or able to share this information. Not only is this less work for you, but it also reduces the probability that someone will pounce on one of your unfrozen accounts. If you know which credit bureau-Equifax, Experian, Transunion-a lender is using, only unfreeze your credit at that particular bureau. credit in your name DepositPhotos/johnkwanĤ) Don’t Unfreeze More Accounts Than You Need To One the most important steps you should take to prevent identity thieves from opening a new line of. Stick with the safer and clearer freeze/unfreeze option. “With locks it’s not clear who would be liable.” “Because security freezes are covered by state law, if something goes wrong-for example, if credit accounts are fraudulently accessed anyway-consumers will be protected from any financial liability,” she explains. Credit freezes, on the other hand, are regulated, which means there are processes and procedures in place to protect consumers.Īs Consumer Reports puts it: “In most cases a credit freeze offers better protections against fraud and can be cheaper, making it the best option.”Ĭhi Chi Wu of the National Consumer Law Center agrees. What the bureaus don’t tell you is that locking your credit is an arbitrary feature that they created, one that isn’t regulated by states or the federal government. It’s like a freeze, but you have much more control since you can lock and unlock online.” Ironically, I’d just unfroze my credit with them online. When I unfroze my credit with TransUnion last December, the receipt included this post script: “With TransUnion Credit Monitoring, you can lock and unlock your TransUnion & Equifax credit reports. ![]() Stick with the safer and clearer freeze/unfreeze option Shahar Ziv |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |