![]() ![]() ![]() ![]() Similar sounds are heard over the trachea, and the sounds occur as a result of abnormally increase transmission of airway sounds to the surface of the chest. The expiratory sound is heard during the greater part of expiration, whereas the inspiratory sound stops abruptly at the height of inspiration, with a pause before the sound of expiration is heard. Bronchial breath sounds are characterised by expiration and inspiration producing noise of equal loudness and duration, sounding like blowing through a hollow tube. ![]()
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![]() ![]() I mentioned that in my Better Business Bureau complaint, and I think that may have been what got their attention. There are also class action suits currently going on that you may want to look into. Within 1 week I received 2 letters from Comenity apologizing and telling me that they were going to reverse the damage this had done to my credit score and send me a check, which I did not ask for. That's what I did, and that same day the Better Business Bureau contacted me. Go straight to the Better Business Bureau website and post your complaint, loud and clear. Well, don't try to talk to them because you'd be wasting your breath and your time. Who is the right outfit to talk to about this letter? I've never (nor my s.o.) have set up an account with Comenity Bank and again, did not apply for a VS credit card. "Your behavioral risk score as of Nov 09, 2021: 373 (This is different from your FICO (R) Score) Also, there was this following text near the bottom of the letter: I never (nor my s.o.) applied for a VS credit card, so did an actual fraudster tried to open an account under my name? Or is this letter a phishing scam itself? I noticed the typo "amounton" and was suspicious. Low level of authentication indicative of ID Fraud.Low level of authentication indicative of First Party Fraud.High average credit limit or loan amounton revolving/real property trades or credit balance to limit ratio on revolving trades.Current address reported by recently opened trade only. ![]() Here are our reasons for declining your request: "Based on information obtained from the credit-reporting agency, we are unable to approve your application at this time. Comenity Bank issues all Victoria's Secret credit cards, and we handle any account-related matters. So I've never (as well as my s.o.) applied for a credit card but received a rejection letter addressed from Comenity Bank, which states that my "recent application for a(n) Victoria's Secret credit card. No promotion of illegal, fraudulent, or nefarious activities No self-promotional content with prior mod approval. No referrals in posts, comments, or private messages. PIN, Signature).Ĭapital One Upgrade Link - Check PC eligibility for your existing card List of credit card company phone numbersĬredit Card Tuneup or CreditIntro to help you find the right cardĮMV CVM Database - Find a card's Cardholder Verification Method list (e.g. Template for Card Recommendation Requests Suggestions, Ideas, and Feedback - Post your suggestions hereĬreditKarma - Uses TransUnion and EquifaxĬreditSesame - May use Transunion or Experian depending on service Official User Flairs Thread - Learn how to customize your user flair ![]() ![]() ![]() ![]() Utility bills often vary by state and by climate. For instance, people’s natural gas costs are often higher during the months they turn on the heat, whereas their electricity bill is higher when they use the air conditioner. The cost for some utilities can fluctuate depending on the season. On average, people spend around $329 a month on electricity, natural gas, water, trash and sewer services. Household expenditures Average cost of utilities In fact, less than half of Americans (46 percent) have stock investments in a retirement account or other investment account such a mutual fund, brokerage account or health savings plan (HSA), a Bankrate investing survey found.īankrate’s take:45% of Americans believe it's not likely they'll be able to save enough money to comfortably retire, Bankrate's retirement savings survey found. More than one in five Americans (21 percent) said not saving for retirement early enough was their biggest financial regret, Bankrate’s financial regrets survey found. Based on this, Americans saved $2,431 on average for retirement from 2022 to 2023.ĭata from the Federal Reserve Survey of Consumer Finances (which was last released in 2019) breaks down average retirement savings by age: The average amount people had saved for retirement in 2023 was $89,300, which was up from $86,869 the previous year, according to Northwestern Mutual’s Planning & Progress Study. However, in 2023, those of all four filing statuses will be in the same bracket for that income. From 2018 through 2022, married households filing jointly with that income were in a lower tax bracket than single filers, head-of-household filers and married couples filing separately with that income. The average pre-tax income per household in 2022 was $94,003, according to the BLS survey. ![]() In fact, 33 percent of Americans who have a side hustle to earn extra money use that income to pay for regular living expenses, a Bankrate survey found. One way some people afford living expenses without going into debt can be having a side hustle. The vast majority of budgeters in the survey said the practice got them out of debt or kept them from going into debt. More than eight in 10 Americans surveyed by in 2023 reported they budgeted their money, a number that’s been trending upward since 2018. Another big spending category was food, to which 10 percent was devoted. Average American household expensesĪccording to the BLS survey, the largest expenditures were housing and transportation, which comprised 26 percent and 13 percent of people’s pay, respectively. What’s more, more than two-thirds of Americans (68 percent) said that when it comes to saving for unplanned expenses, inflation is causing them to save less, according to the same survey. Significant expenditures were housing, transportation and food. Bureau of Labor Statistics (BLS), lists the average amount spent in various categories. The average household earned $94,003 in 2022 before taxes and spent $72,967, according to a survey by the most recent Consumer Expenditure Survey. You can take stock of how your own budget compares by looking at the average American household budget. In fact, 63 percent of financially insecure Americans say high inflation is keeping them from being financially comfortable or secure, a recent Bankrate survey found. Inflation is cooling down from its 40-year-high in 2022, yet prices are still uncomfortably high, leaving consumers with less money in their budgets for such financial matters as savings and debt repayment. Other items commonly found in household budgets include education, child care, health care, retirement savings and entertainment. Many Americans spend a pretty penny each month to keep a roof over their heads, food on the table and a means of transportation. ![]() ![]() ![]() That’s an increase of more than 300,000 passports when doing a six-month comparison. Since Jan 1, 2021, the Postal Service has accepted more than 3.5 million passport applications compared to the 3.2 million accepted during the same period prior to the pandemic. ![]() In addition, the Western Hemisphere Travel Initiative (enacted in 2009 that requires a passport or passport card when entering the United States from Canada, Mexico, Bermuda and other countries of the Caribbean by land and sea) has added to the surge. Those passports expired in 2017, creating a surge in passport applications and renewals a trend which has continued each year since. The Postal Service accepted applications for more than half - 9.8 million. In 2007, more than 18.3 million passports were issued. See ‘How do I renew my passport?’ in the FAQs listed below for information on renewal by mail. During these events, USPS processes first-time passport applications and passport renewal applications for those not eligible to renew by mail. Appointments are not required during the fairs, but customers are encouraged to arrive early as applicants will be served on a first-come, first-served basis until the applicant maximum has been reached. You can find a list of passport fairs at the Department of State Travel Newsroom. The USPS Retail Customer Appointment Scheduler application has been updated recently to include the option to schedule Photo Services Only appointments. Customers have the option to schedule these appointments at on a desktop or mobile device, at a retail counter in more than 17,000 Post Offices or at a self-service kiosk at 2,200 USPS locations. Customers can schedule first-time passport application and Photo Services Only appointments through Retail Customer Appointment Scheduler (RCAS) tool. Passport acceptance service is offered at 4,800 Post Office locations nationwide. USPS is currently holding passport fairs, expanding off-site availability of passport services and extending appointment hours across the country. Most of these locations can also take passport photos. The Postal Service accepts first-time applications and offers passport-related products and services at 4,800 Post Offices across the country. It’s important to note that the Postal Service does not process or issue passports Department of State since the 1970s and works very closely with its Passport Agency. The Postal Service has operated as an agent of the U.S. Additional information can be found on our Passport Page on. Following are some passport application tips to help speed the process along. A valid passport should be the first item on your travel check-off list. Passport fairs will resume only after it is safe to do so.Īpplying for a passport is just a few clicks away As a temporary measure due to the pandemic, please use our online scheduler or a Post Office lobby self-service kiosk to make an appointment for passport services to ensure the safety of our employees and customers. In accordance with new safety guidelines, the Postal Service has made changes to its passport application process.īeginning March 25, 2020, the Postal Service began processing all passport application services by appointment only. The Department of State has issued updated passport guidance in response to the COVID-19 pandemic. Successful traveling begins with a passport ![]() ![]() Nevertheless, this game has been for years, it never gets old. ![]() Also, try to rack up extra balls on the way. Try to repeat the process to again achieve a level up along with a replay. Then do it again within one minute to advance another level and you’ll be awarded a replay. If you can knock down all the three tombstones above the flippers, then you advance one level. Although F11 and F12 are also hidden keys, their functions are still unknown. You may press ‘Space’ to exit the debug mode if you’ve done enough playing around with it. You would be able to drag the ball anywhere in the pinball by clicking the left mouse button. Press ‘M’ to check how much memory is used. When you are under the hood after typing ‘hidden test’, you may press ‘H’ to edit your high score. Type ‘1max’ to get an extra ball when you lose your current one.Type ‘bmax’ to get an unlimited supply of balls.Type ‘Incredible or Imax’ to increase the field multiplier. ![]()
![]() ![]() ![]() Can also help in just barely dodging missiles. Boosting will drain ?.? energy a second for faster flight. Sometimes floating around isn't nearly fast enough. Boost Speed Multiplier (Boost): How much faster your vessel flies relative to Cruise Speed with the boosters going off. ![]() A high cruise speed can also assist in evading your enemy, often, a sitting duck is the easiest target. As the advancing wall of doom known as Okkar Forces catches up to you, you'll need to move around quickly. Criuse Speed (Cruise): The maximum speed your ship can go without boosting or outside influence.Each one is unique (except the "By 5" subroutines) and can only be found inside Derelict Colonial Bases (you need a key, fly inside blue glowy squares, remember to use holes to see which doors to open) or Ancient Structures (watch out for blackholes!). These things are mui fun, they often give you a great boon at the cost of an inconvient bane. ![]()
![]() ![]() Additionally, you can experience the cloud advantage for hassle-free publishing, embedding, and storing of your downloaded files. It is an all-in-one video marketing platform that lets you edit your video clips and repurpose them into multiple formats. The tool is ad-free, web-based, and completely free to use, which makes it one of the strongest options for downloading audio from YouTube videos.īut YouTube to MP3 conversion is not the primary tool offered by this platform. is a robust video editing and live streaming platform that gives you the power to convert your favorite YouTube videos into audio tracks quickly. Use this list of the best YouTube to MP3 converters to your advantage and build on those audio tracks with confidence: 1. However, if you’re not comfortable using software that needs to be downloaded on your device, look for a browser-based tool for YouTube to MP3 conversion. Some tools provide apps for desktop and mobile devices that you can download and use to convert YouTube to MP3. If that’s a requirement, ensure that your chosen tool is compatible with multiple formats like MP4, WAV, OGG, FLAC, AAC, etc. You may sometimes want to convert a YouTube video to a format other than MP3. You should also consider cloud storage space while downloading files if it’s crucial for you. Ideally, the tool should give you a number of quality resolutions: preferably low, medium, and high. That’s why you must pay due attention to the converted files’ quality. Use it well, and you’re sure to build an audience and grow your brand. ![]() Audio QualityĪudio is a powerful marketing asset. A good tool should do the job in about 30 seconds to a couple of minutes, depending on the video’s length. Note that spending a lot of time converting videos may hamper productivity in the long run. Your chosen YouTube MP3 downloader should be able to convert YouTube videos into MP3 at high speed. ![]() So, find out what you require and look for a downloader that offers it.īest YouTube Alternatives for Businesses, or Keep Your Options Open Conversion SpeedĪnother critical factor is the conversion speed of the tool. Then again, some may need a no-frills tool that does the conversion job well. For example, does the tool support multiple formats if you need to convert your YouTube to MP3 and other formats like MP4 or WAV? Can you edit clips before downloading audio? Some may even need batch processing if converting multiple YouTube videos into MP3 is the requirement. Analyze your requirements and choose a tool that has the features you need. Today, YouTube MP3 downloaders come loaded with various features. Remember, seeing pop-up ads and links could be a red flag. Your preferred YouTube to MP3 converter should not bundle malware or trojans in your files. Above all, read the reviews of your chosen tools to be sure of your choice. Although 2-step verification can be an added advantage here, it may slow the process down if you’re in a rush. The tool should look professional, and the information you share on the site should remain confidential. Out of all the factors on this list, consider safety as paramount. While there’s no one-size-fits-all tool for all looking for a YouTube audio downloader, here are a few factors to keep in mind: Safety But converting YouTube videos into audio tracks requires a robust tool. Things to Consider When Choosing a Free YouTube to MP3 ConverterĬreators and marketers know that YouTube is precious. And, if you create video podcasts, you can download the episodes as audio files and upload them to an audio podcast for increased audience reach and exposure. It also makes it easier for you to share the audio with others. Using a YouTube audio downloader gives you the freedom to listen to your favorite YouTube video without the need for internet connectivity. What is a YouTube to MP3 Converter?Ī YouTube to MP3 converter is a tool for extracting audio from a YouTube video and converting it into the MP3 format for safe and quick retrieval whenever needed. But, before we get to the list of some of the best YouTube MP3 downloaders, let’s check out the basics. That’s why we bring you our top picks for YouTube to MP3 converters to rip the audio from a YouTube video like a pro. But converting YouTube to MP3 is a challenge without the right tool. You may often want a video to be available to you in audio form to consume later on your iPod, computer, or smartphone. Came across a YouTube video that you want to convert into a music track? We get it. ![]() ![]() But note they use the term "A x B x S" where we say "Residual". Table 12.16 on page 595 explains the ANOVA table for repeated measures in one factor. Table 12.2 on page 576 explains the ANOVA table for repeated measures in both factors. When there are repeated measures for both factors, this value equals the number of subjects (3) minus 1, so df=2.ĭetails on how the SS and DF are computed can be found in Maxwell and Delaney (reference below). When the matched values are in the same row, there arr 6 subjects treated in two ways (one for each row), so df is 4. When the matched values are stacked, there are 9 subjects and three treatments, so df equals 6.
![]() ![]() Only one side needs to be open without touching another tile. Tiles can’t be matched unless either the left or right side of the tile is open. Keep these Mahjong Solitaire rules in mind while playing: If you need help remembering which is which, you can turn on the Tile Labels under Settings. You can match any seasons or any flowers together. There are four different seasons and four different flowers. All stone, character, bamboo, and honor tiles must be matched identically.įor the bonus tiles, there are no identical matches. You’ll find four sets of nine different tiles for stone, character, and bamboo suits.įor the honor suit, you’ll find four sets of three different tiles for dragons and four sets of four different tiles for winds. Just like Solitaire, Mahjong tiles have suits: stone (circles), character, bamboo, honor, and bonus tiles. ![]() You can choose from a turtle, fish, bird, gate, or triangle and see which layout you enjoy playing best. You can change the layout to Mahjong Solitaire, with each setup offering its own unique challenges. Mahjong Setupįrom layouts to suits, the next sections explain how Mahjong gets set up and how suits impact play. ![]() The tiles must be exposed on either their left or right sides to be in play. ObjectiveĬlear the board by matching like tiles. The tiles are stacked so, you can only match tiles that are open on the left or the right, working outward to inward. It is a matching game using mahjong tiles, where the objective is to clear the board by matching two identical tiles to remove them from play. Mahjong Solitaire is a one-player version of the classic four-player Mahjong. ![]() ![]() (1) Add labels for the pie chart with right clicking the pie and selecting the Add Data Labels from the right clicking menu. (2) Click the Pie button (or Insert Pie and Doughnut Chart button in Excel 2013) on the Insert tab, and then specify a pie chart from the drop down list. (1) Select the Range A4:A6, then hold the Ctrl key and select the Range N4:N6. Step 5: Make a pie chart for the incomes in this budget year. Step 4: Calculate the deficit or surplus in this budget year: In Cell B18 enter =B7-B16, and drag the Fill Handle to apply this formula to Range C18:N18. (3) Calculate total expense in the budget year: IN Cell N16 enter =IF(SUM(B16:M16)=SUM(N10:N15), SUM(N10:N15), FALSE), and press the Enter key. (2) Calculate total expense of each item: In Cell N10 enter =SUM(B10:M10), and drag the Fill Handle to apply this formula to Range N11:N15. (1) Calculate total expense of each month: In Cell B16 enter =SUM(B10:B15), and drag the Fill Handle to apply this formula to Range C16:M16. Step 3: Calculate the total expense of every month and every items. (3) Calculate the total income in the budget year: in Cell N7 enter =IF(SUM(N4:N6)=SUM(B7:M7), SUM(N4:N6), FALSE), and press the Enter key. (2) Calculate total income of every item: In Cell N4 enter =SUM(B4:M4), then drag the Fill Handle to apply this formula to Range N5:N6. (1) Calculate total income per month: In Cell B7 enter =SUM(B4:B6), then drag the Fill Handle to apply this formula to Range C7:M7. Step 2: Enter your budget data of income and expenses into the table, and calculate the total incomes of every month and every item: Step 1: Prepare a table, and enter its row headers and column headers as following screen shot shown: The following steps will walk you through customizing a monthly budget template in Excel. Check out more budgeting advice, tips and tricks so you can make the most out of your money.Although there are so many budget templates for downloading, you may still want to make a custom monthly budget template based on your needs. ![]() Of course, a properly calculated budget doesn’t just happen overnight. And when tax season rolls around, you have a convenient document to draw from, instead of hunting down receipts to present to your tax preparer. Work travel (broken down to lodging, meals, etc.)īusiness-focused templates are available for Excel, especially specific ones that keep track of your bill payments, general ledgers, or even expense reports for startups.īy tracking your expenses for your business in a spreadsheet, you can also identify potential sources for fraud, such as monetary discrepancies for yourself and others.Some of the most common categories for business expenses include: If you own a small business, you’ll have expenditures in different categories to record. Business expenses to consider for your monthly tracker By using the AutoSum feature, you can see how much you’ll be spending per month, or year, and tweak your budget to match your goals. ![]() Lastly, Excel makes it easy to tally up a total cost across columns. You can estimate how much you’ll pay per month for utilities, or if you know that you have a fixed rate for mortgages and loans, you can fill in the blanks ahead of time. Your rows can be tied to the months in this year where you’re anticipated to make monthly payments or save for major repairs. In an Excel template, you can create new sheets for each of these major categories, then break them down to specific expenses.įor example, create a new sheet, name it Housing, and then dedicate a column to the expenses that fall under this category (monthly mortgage payments, anticipated home repairs, etc.).
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