You can also save money at the grocery store using money-back apps, coupons, and store reward programs. You can keep your grocery costs low just by buying the right food and making sure there is no waste. Resist spending all your money on take-out and delivery indulgences, because that’s what they are. That means doing some sort of meal planning and using what you have. Okay, I can’t back that claim, but if you’ve ever paid $20 in service fees for a McDonalds’ cheeseburger, you can easily appreciate how fast your food budget can go.įood is essential to life, and it can be very inexpensive as long as you emphasize keeping your food costs down. You’ve got to put food on the table.īut for many, UberEats takes about 40% of their monthly household budget! When it comes to your monthly budget, this one simply cannot be skipped. There are lots of tips and tricks for how to save money by conserving water and electricity alone. It’s funny how the most important things on your household budget are often the things that need the most tweaking.īelieve it or not, 10% is a relatively high number for utility costs. It’s possible your utility bills are high. Be sure to include gas, water, garbage, etc., in this part of the budget. Of course, the electric company doesn’t get all of that green. There are all kinds of ways to spend money, but one thing you will always need to do is, “keep the lights on.” Here’s another thing you’ve probably heard a lot in terms of necessity over frivolity. Some people’s households find a dramatic improvement in their finances overall when they meet this household budget percentage. But, paying too much for housing may be one of them. If you are having trouble with your budget, it could be any number of things. You should allot the right portion of your income to a housing cost that is sustainable and reliable for you. Percentages help you figure out where your sweet spot is on that spectrum because you can make an informed decision on housing based on your income.Īccording to many finance gurus, many budget categories have room to budge, but housing costs are not one of them. There is the primal necessity to have shelter, but there are different ways of doing that. It’s a major life decision whether you rent or own and how much (if any) real estate you purchase. Housing accounts for 1/4 of your total household budget. The largest household budget percentages are not always the most important ones, but this one certainly is. If you want to let it go longer than that, then invest it to help you build wealth. If you want to use your money within 5 years, save it in the bank. investing money with your 10%, consider when you want to be able to use those funds. One way to guard against that is to make sure your money goes to the right place, especially for categories like saving that is easy to get pushed aside. It’s one thing to have a budget, and it’s another thing to stay within that budget. That’s just how it works.īudget how much you want to bank each month and set that money aside right away so that you can’t lose it to other types of spending. Why? Because if you wait until everything is paid, you won’t have anything for yourself. The Ideal Household Budget Percentages 1. These percentages are an excellent starting point if you are just starting to get a grip on your finances.Īs you gain confidence, you can make more room in your budget by cutting the amount you need for expenses like insurance. It not only helps you break up your expenses into manageable segments, but it also tells you where you are overspending and need to cut costs. These are the amount per hundred dollars you spend on things like utility bills and food. Knowing your household budget percentages is an essential part of creating your budget. You can move from debt to wealth, and suddenly, you will find yourself in a position where you can leverage that wealth to do important things. Once you know the balance of your income and spending, you can start to shape how you balance your budget. In fact, I’d go as far as to say that knowing your household budget percentages is empowering and it’s addictive. If you aren’t a fan of math and percentages, you soon will be. And it all starts with knowing your household budget percentages. All budgeting is, is taking control of your money, so it doesn’t control you. I just want to put that out there in case the word “budget” makes you cringe! It’s also fun.
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Use these positive statements as your daily mantras. Now transform each negative self talk statement into a positive statement.
This allows the comparison of relevant financial information. Similar to the second principle, the permanence of method principle promotes using a standard procedure in financial reporting. This principle requires accountants to depict the actual financial situation of the organization as accurately as they could. This principle also serves as a reminder to accountants to practice transparency should the standards be changed for any reason in the report, the accountant should disclose all the necessary changes and updates that have occurred. Under this principle, accountants need to be consistent with GAAP standards in all accounting processes, from the most basic procedure to the most complex. The principle of regularity refers to the adherence of the accountant to GAAP standards. The Generally Accepted Accounting Principles are broken down into ten separate concepts that, together, build a framework for a more accurate rendering of financial reports. There are key differences between the two, as this article will explain later.ġ0 principles make up the Generally Accepted Accounting Principles, detailed below. Note that for companies outside the U.S., their financial reports may comply with the International Financial Reporting Standards (IFRS) instead of GAAP. This external audit, also known as auditor’s opinion, is a certification that verifies the procedures and information on a company’s reports and determines any error or irregularity. For example, companies with GAAP-compliant financial records have higher trust ratings among investors, which means they are more confident about the company’s financial data accuracy.Īn external audit from a certified public accountant (CPA) can check for GAAP compliance on a company’s financial statements. Whatever the case, adherence to GAAP is not legally required, though it still offers benefits to businesses. states comply with GAAP, the degree of compliance varies. This makes reading, interpreting, and communicating financial reports more accessible and transparent, which can also protect investors from fraud or misleading information. The Securities and Exchange Commission (SEC) recommends public companies, government offices, and nonprofit organizations in the United States use GAAP when they file their financial reports. GAAP combines standards set by boards, such as the Financial Accounting Standards Board (FASB), and commonly used methods of recording and compiling accounting data.
Apollinaire went further, describing Parade as "surrealistic": Cocteau described the ballet as "realistic". Parade had a one-act scenario by Jean Cocteau and was performed with music by Erik Satie. Īpollinaire used the term in his program notes for Sergei Diaghilev's Ballets Russes, Parade, which premiered. He wrote in a letter to Paul Dermée: "All things considered, I think in fact it is better to adopt surrealism than supernaturalism, which I first used". The word surrealism was first coined in March 1917 by Guillaume Apollinaire. From the 1920s onward, the movement spread around the globe, impacting the visual arts, literature, film, and music of many countries and languages, as well as political thought and practice, philosophy, and social theory.įounding of the movement Max Ernst, The Elephant Celebes, 1921 The most important center of the movement was Paris, France. However, the Surrealist movement was not officially established until after October 1924, when the Surrealist Manifesto published by French poet and critic André Breton succeeded in claiming the term for his group over a rival faction led by Yvan Goll, who had published his own surrealist manifesto two weeks prior. The term "Surrealism" originated with Guillaume Apollinaire in 1917. It was influenced by the Dada movement of the 1910s. At the time, the movement was associated with political causes such as communism and anarchism. Leader Breton was explicit in his assertion that Surrealism was, above all, a revolutionary movement. However, many Surrealist artists and writers regard their work as an expression of the philosophical movement first and foremost (for instance, of the "pure psychic automatism" Breton speaks of in the first Surrealist Manifesto), with the works themselves being secondary, i.e., artifacts of surrealist experimentation. Works of Surrealism feature the element of surprise, unexpected juxtapositions and non sequitur. It produced works of painting, writing, theatre, filmmaking, photography, and other media. Its aim was, according to leader André Breton, to "resolve the previously contradictory conditions of dream and reality into an absolute reality, a super-reality", or surreality. Surrealism is a cultural movement that developed in Europe in the aftermath of World War I in which artists depicted unnerving, illogical scenes and developed techniques to allow the unconscious mind to express itself. Moreover, after downloading and installing this app, you’ll see that the entire app is converted into an iPhone theme and even with iPhone icons and emojis. Interestingly Stephanie also developed WhatsApp iPhone for Android, which provides a friendly conversation screen while chatting with friends and colleagues. MB WhatsApp APK is a modified version that was developed by Stephanie and gained ground quickly among users because it comes with WhatsApp iOS 14 theme and a better user experience. Moreover, you can choose over 3000 themes in this application and personalize each as per your personal need. Additionally, this MB WhatsApp application is a custom package named app developed by Fouad iOS, with a more flexible experience in terms of features to fill the need of the users. So far, there are 2 apps available with the names Fouad WhatsApp iOS to replace the official WhatsApp as well as MB WhatsApp iOS APK for using a second account. Therefore most users want additional functionalities of double accounts in the same Android and more customization options to enhance their communication experience. However, although WhatsApp is an excellent app for chatting, but it has limited features. In this digital world, communication has become an integral section of our daily routine therefore, instant messaging apps like WhatsApp, Instagram, and Facebook have revolutionized the way we connect with others. How to Fix Temporary Banned Problem in MB WhatsApp iOS?.Additional Requirements to Use this Application. How to Install MB WhatsApp iOS APK on Android?.Differentiating MB WhatsApp from Official WhatsApp.Additional Features in MB WhatsApp iOS APK.MB WhatsApp iOS APK v9.95 Download Latest Official (2024). The popliteus is posterior to the patella. Posterior (or dorsal) Describes the back or direction toward the back of the body.Anterior (or ventral) Describes the front or direction toward the front of the body.Commit these terms to memory to avoid confusion when you are studying or describing the locations of particular body parts. For instance, an anatomist might describe one band of tissue as “inferior to” another or a physician might describe a tumor as “superficial to” a deeper body structure. These terms are essential for describing the relative locations of different body structures. Directional TermsĬertain directional anatomical terms appear throughout this and any other anatomy textbook ( Figure 1.13). You will be able to describe the body’s regions using the terms from the figure. Notice that the term “brachium” or “arm” is reserved for the “upper arm” and “antebrachium” or “forearm” is used rather than “lower arm.” Similarly, “femur” or “thigh” is correct, and “leg” or “crus” is reserved for the portion of the lower limb between the knee and the ankle. The human body’s numerous regions have specific terms to help increase precision (see Figure 1.12). These terms are sometimes used in describing the position of the body during specific physical examinations or surgical procedures. Prone describes a face-down orientation, and supine describes a face up orientation. The regions of the body are labeled in boldface.Ī body that is lying down is described as either prone or supine. The term “anterior” would be used even if the hand were palm down on a table.įigure 1.12 Regions of the Human Body The human body is shown in anatomical position in an (a) anterior view and a (b) posterior view. For example, a scar in the “anterior (front) carpal (wrist) region” would be present on the palm side of the wrist. It does not matter how the body being described is oriented, the terms are used as if it is in anatomical position. Using this standard position reduces confusion. The upper limbs are held out to each side, and the palms of the hands face forward as illustrated in Figure 1.12. Just as maps are normally oriented with north at the top, the standard body “map,” or anatomical position, is that of the body standing upright, with the feet at shoulder width and parallel, toes forward. To further increase precision, anatomists standardize the way in which they view the body. For example, in the disorder hypertension, the prefix “hyper-” means “high” or “over,” and the root word “tension” refers to pressure, so the word “hypertension” refers to abnormally high blood pressure. The root of a term often refers to an organ, tissue, or condition, whereas the prefix or suffix often describes the root. Because these languages are no longer used in everyday conversation, the meaning of their words does not change.Īnatomical terms are made up of roots, prefixes, and suffixes. Anatomical terms derive from ancient Greek and Latin words. For example, is a scar “above the wrist” located on the forearm two or three inches away from the hand? Or is it at the base of the hand? Is it on the palm-side or back-side? By using precise anatomical terminology, we eliminate ambiguity. However, the purpose of this language is not to confuse, but rather to increase precision and reduce medical errors. Describe serous membrane and explain its functionĪnatomists and health care providers use terminology that can be bewildering to the uninitiated.Distinguish between the posterior (dorsal) and the anterior (ventral) body cavities, identifying their subdivisions and representative organs found in each.Identify three planes most commonly used in the study of anatomy. While your credit freeze is in effect, you will not be able to open a new credit account unless you temporarily lift (or "thaw") the freeze. Related: How I learned that my credit card number was stolen What is a credit freeze?Ī credit freeze restricts access to your credit report. Each one is required to notify the others of the fraud alert, so there is no need to contact more than one. You simply need to contact one of the three major credit bureaus to set a fraud alert on your credit. Setting a fraud alert is a relatively low-effort way to add security to your credit. What's more, filing this type of fraud alert means the credit bureaus will take you off their marketing lists for unsolicited credit and insurance offers for two years unless requested otherwise. This type of alert is good for a year and can be extended for the length of your deployment. Active-duty military alert: If you're serving in the military and are on active duty, you can protect your credit while you are away.This also allows you to request a free copy of your credit report from each of the three main credit bureaus twice within one year from when you place the alert - effectively letting you review your credit report six times to make sure no further instances of fraud occur. It remains on your credit reports for seven years. Extended fraud alert: This type of alert is available to those who have already had their identity stolen and have filed a report with the Federal Trade Commission via or made a police report.Temporary fraud alert: If you suspect you might be the victim of identity theft or your credit information might have been compromised, you can file a fraud alert that will apply for one year.I_FRONTIER/GETTY IMAGES Types of fraud alerts The alert informs lenders that they need to take extra steps to verify you are indeed the person who is applying for credit. When lenders request a copy of your credit report from Equifax, Experian or TransUnion, they will see the fraud alert. Related: How to check your credit score for free What is a fraud alert?Ī fraud alert is an alert on your credit record that requires creditors to take an additional step to validate your identity before approving you for a new line of credit. With a credit freeze in place, no one, including you, will be able to open a line of credit in your name until the credit freeze is lifted. It still allows you to open a line of credit, but it ensures that an extra security measure is taken.Ī credit freeze is more intense. What is the difference between a credit freeze and a fraud alert?Ī fraud alert is just that: an alert. With all that in mind, you might wonder: Is the inconvenience worth the extra effort? To help you answer that question, here are the differences between credit freezes and fraud alerts and how they affect applications for credit. However, they will not eliminate the threat, and invoking either will require additional action on your part if or when you decide to apply for a new line of credit, whether that's a credit card or something like a home mortgage or auto loan. It seems there are always new reports of data breaches, and chances are good that our credit information has been exposed by now.Īlthough it's nearly impossible to completely safeguard your personal information these days, credit freezes and fraud alerts can provide you with extra layers of protection. We lock our doors, give our accounts complicated passwords and track our checked luggage with AirTags.īut one thing we may overlook in our security efforts is our credit. We do a lot of things in the name of security. Provided the copyright holder has given permission for the file to be shared this way it's fine, but using torrents to download content you'd otherwise have to pay for is not legal. It all depends on the content you're downloading. Torrents have a bad reputation due to piracy, but they aren't illegal in themselves and have lots of legitimate uses, including downloading open-source software and material that's in the public domain. TextWrangler is not compatible with macOS 10.13 (High Sierra) or later, and will not run on macOS 10.15 (Catalina) or later. Please see our Q&A on switching to BBEdit from TextWrangler. Read our full BitTorrent review Are torrents legal? You can use BBEdit instead it’s still free to use the same set of features that TextWrangler provided. Meanwhile, impressive performance levels help to make for an enjoyable experience. We found it to be very simple and easy to use as well during testing, benefitting from a clean yet visually appealing interface with plenty of options. Still, if you’re looking for a free torrent client, uTorrent is a great option – could be a good choice if you're new to torrenting and want a client that will give you an easy introduction. You might be wondering why BitTorrent has its own torrent client when it also maintains uTorrent – especially when the BitTorrent app is a rebranded version of uTorrent.Īre you still following us? However, while the apps are functionally identical there are a few key differences: BitTorrent offers web-based seeding, commenting and reviewing, and you may find that the BitTorrent client is welcomed by private trackers that don't like uTorrent. To let you find out more about each pick, we've even included links to our reviews. That includes considering user experience, bloatware, or ads, which you can sometimes circumvent with some of the best VPNs for torrenting and even integration with other apps. We’ve highlighted what we like and dislike with each to point you to the one that meets your needs best. There are options below that are streamlined for those who just want to get started without fuss as well as ones with more advanced features. And, since we've used, tested, and reviewed many of them, we thought we'd share the best ones in this guide for your convenience. Luckily, there are excellent free torrent clients out there, offering their downloading services without charging you a single penny. That's due to the fact that the client will grab parts of that file from multiple sources and simultaneously download those different bits, then put the file together like a jigsaw to use. On the other hand, a torrent client makes faster download speeds and shorter download times possible. Overall fitness is a huge part of daily life/activities and enjoy helping people get back to doing things they enjoy - wether is training for an event or just wanting to feel better. I have trained clients of all ages and with different goals in mind as each workout/session is tailored specifically to your needs. I have been in the fitness industry for over 20 years and enjoy working with clients and helping them reach their goals. Masters Degree Movement and Training Science NASM Corrective Exercise Specialist (CES) The best approach is the evidence-based one!! I manage and guide critical approaches for preventive and corrective exercises, posture problems and post-injury return training.Finally, A good training period needs a good testing process. I follow current sports performance approaches closely, but at the same time, I like to focus on individuals with or less experience in strength training and to carry out the process together. My passion is not just to get you in shape, but also to tell you why you should do it.Myself in short: I like working with athletes from different branches and analyzing my clients. Because while doing this, I hope to get to know you better and manage your current acute problems together. I'm here to fully impress your passion for exercise with a detailed and safe approach.My goal is not only to get you in shape, but to completely impress your outlook and passion for exercise. I also use my knowledge gained from working as a rehab tech in various physical therapy offices in order to safely get clients to be the people they wish to become.While I prefer working with motivated clients, I find ways to inspire the unmotivated into making changes that positively impact their life.īLS in CPR from American Heart Assocation I have combined now more than 15 years of gymnastics experience with my knowledge in health sciences, which includes anatomy, physiology, biomechanics, and public health, to make efficient exercise programs that aide clients in achieving their goals. I have found throughout my years as a currently active gymnast I enjoy aiding my teammates in reaching their goals by giving them form corrections, and praising them for their correct technique. I loved seeing the kids progress through skills and actually make progress towards higher level skills. I am a biomechanist who started just coaching kids in gymnastics classes. Medical Condition Experience ACL tear Addiction ADHD Alzheimer's Amputation Andropause Ankle Injury Anxiety Arthritis Artificial Hips Artificial Knees Asperger's Syndrome Asthma Autism Autoimmune Diseases Back Pain/Issues Bad Posture Bone/Joint Injury Brain Trauma Breast Cancer Cancer Cardiac Rehab Celiac Disease Cerebral Palsy Chronic Pain Cognitive Delays Congestive Heart Failure Crohn's Disease Dementia Depression Diabetes Dialysis Diastasis Recti Disordered Eating Recovery Downs Syndrome Eating Disorders Ehlers Danlos Syndrome (EDS) Emphysema Epilepsy Fibromyalgia Golfers Elbow Hamstring Issues Headaches/Migraines Hearing Impaired (Deaf) Heart Attack Hernia High Blood Pressure High Cholesterol Hip Pain/Issues Hip Replacement HIV/AIDS Hypertension Hyperthyroidism Hypothyroidism IBD Infertility Joint Pain Joint Replacement Kidney Disease Knee Pain/Issues Limited Mobility Lower Body Pain/Issues Lupus Lyme Disease Lymphatic Menopause Metabolic Dysfunction Mild Cognitive Impairment Multiple Sclerosis Muscular Dystrophy Neck Pain Neuropathy Obesity Osteoporosis Paraplegia Parkinson's Disease Piriformis Syndrome Plantar fasciitis Postural Issues Prader-Willi Syndrome Prediabetes Pregnancy Rheumatoid Arthritis Rotator Cuff Issues Sarcodosis Sciatica Scoliosis Shoulder Issues Sleep Apnea Stress Stroke Stroke recovery Tennis Elbow TMJ Ulcerative Colitis Visually Impaired (Blind) More Less |
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