![]() To learn more about relationship-based ads, online behavioral advertising and our privacy practices, please review the Bank of America Online Privacy Notice and our Online Privacy FAQs. These ads are based on your specific account relationships with us. In addition, financial advisors/Client Managers may continue to use information collected online to provide product and service information in accordance with account agreements.Īlso, if you opt out of online behavioral advertising, you may still see ads when you sign in to your account, for example through Online Banking or MyMerrill. If you opt out, though, you may still receive generic advertising. If you prefer that we do not use this information, you may opt out of online behavioral advertising. This information may be used to deliver advertising on our Sites and offline (for example, by phone, email and direct mail) that's customized to meet specific interests you may have. Here's how it works: We gather information about your online activities, such as the searches you conduct on our Sites and the pages you visit. Relationship-based ads and online behavioral advertising help us do that. You can do in the CommBank app with Spend Tracker, which allows you to see how much you spend across various categories including health, utilities, eating out, shopping, groceries and more.We strive to provide you with information about products and services you might find interesting and useful. Bureau of Labor Statistics, the average household budget is 63,036 per year, a 3 increase from 2018. But when that discussion happens, I enjoy it. She takes account of how the money is being spent, the expenses and it’s a great thing. She gets the entire staff together, and discusses the budget of the house. Our research found that if you are organised with your spending, review your finances regularly and actively plan for the future, you are on track to improve your financial wellbeing. Reviewing your spending will help you make any necessary tweaks or factor in expenses you hadn’t thought of. He told News Tak, The most fun experience is when she (Katrina) holds a meeting in the house every week, or every other week. Although, you won't usually pay fees on savings accounts Review & tweak Some expenses you can plan forand some maybe not (that’s where your emergency fund comes in). But if you own a home, saving money for maintenance is a must. Don’t forget the stuff like gutter cleaning and HVAC inspections. Keep in mind that with every transaction account you open, you may need to pay more in fees. Home expenses don’t stop at utilities and mortgages. This can be a good way to make sure you only spend the money you have allocated for that purpose. Saving - for your rainy day or emergency fund or your one day goals.Lifestyle – such as buying clothes, movie tickets or eating out.Essentials - like your groceries, transport and health costs.Commitments - such as bills, paying off debt and making rent or mortgage payments Where does your money go Use this monthly budget calculator to help you manage your spending and understand if youre falling short, breaking even or. ![]() Typically, this budget category includes car payments, registration and DMV fees, gas, maintenance, parking, tolls, ridesharing costs, and public transit. Let’s look at an example of how you might set up your accounts: Transportation (10-15 percent) Regardless of your location or lifestyle, everyone needs to get from point A to point B. Some people like to stick to their budget by separating their money into different accounts, each account having a set amount of money to spend on everyday items or bills, for example. Next you can work out how much you have leftover to allocate towards your rainy day or emergency fund, your one day goals or simply enjoying your day to day. You can use our Budget Planner to tally up these figures. Once you know what your fixed expenses are, you can set your budget. Family expenses such as school fees, day care, child support or baby sitting.Any insurances you may have that you pay directly from your account.Any debts you are committed to paying off including buy now pay later and credit card debt.Household expenses such as rent payments, utilities, phone and internet.Your committed expenses are your fixed expenses, they include bills and debt repayments. Your essentials are your day to day expenses you have to pay to keep everything running smoothly.
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![]() ![]() Tteokguk often also contains some meat and other things, such as seaweed. This soup is made using sliced rice cake, known as 떡 (tteok) in Korean. ![]() The most important food that is eaten during the Korean Lunar New Year is 떡국 (tteokguk) or rice cake soup. This tradition is still performed by many Koreans, but it isn’t quite as widespread as the other Seollal traditions. People perform deep bows on these tables in order to show respect to their ancestors. Food is set out on a table as a gift for one’s ancestors, behind which are the family’s ancestral tablets. Charye is the term used to describe the worshiping of one’s ancestors during the Lunar New Year. This money is often given inside an envelope.Īnother important tradition is 차례 (charye). Elders typically reward their youngers with money, known as 세뱃돈 (sebaetdon), to their youngers. When bowing, you can say 새해 복 많이 받으세요 (saehae bok mani badeuseyo), which means “Have lots of luck in the new year.”Īfter receiving a bow from their younger, the elders then say something along the lines of “I hope you stay healthy this year” or “I hope you get married this year” to their younger. For example, 세배 드렸어요 (sebae deuryeosseoyo) would mean, “I did the sebae bow.” To describe the act of sebae, the verb 드리다 (deurida) is used. People often wear 한복 (hanbok), traditional Korean clothes, whilst performing sebae. This deep traditional bow signifies respect. Younger people must bow deeply to their elders and wish them a happy new year. Sebae is the act of kneeling on the ground and bowing deeply so that your hands are also on the ground. 세배 (sebae) is the most important of all the Korean Lunar New Year traditions. When an ㄴ sound follows a ㄹ sound, its pronunciation changes to ㄹ to make it easier to say. Seollal (설날) looks like seolnal, but is pronounced seollal in Korean. If you plan to come to Korea during Seollal, make sure you get a head start and book in advance!Ĭan't read Korean yet? Click here to learn for free in about 60 minutes! Additionally, train, bus, and airplane tickets will either be sold out or very expensive. As a result, roads will be very busy during this time of year. Many Koreans travel back to their family homes during this period. While Christmas in Korea is usually a time for celebrating with friends or for going on dates Seollal, like Chuseok, is more of a family-based celebration. Korean Lunar New Year also has its own unique customs and traditions. While the Lunar New Year is celebrated in countries across Asia, each country has its own way of celebrating the event. The exact number of days for the Seollal holiday depends on which day of the week it falls on. Here are the dates of the Korean Lunar New Year through the years: It is usually towards the end of January or beginning of February on the Western (solar) calendar. Seollal falls on the first day of the Lunar New Year calendar. Like many of Asia’s traditional holidays, the Seollal (설날) follows the lunar calendar. (Note: When an ㄴ sound follows a ㄹ sound, its pronunciation changes to ㄹ to make it easier to say.) When is the Korean Lunar New Year? It is marked by the gathering of family members, performing Korean rituals, eating traditional foods, playing folk games, and other traditional activities. The holiday takes place in the span of several days. This special holiday commemorates the first day of the Korean Lunar Calendar. Seollal (설날) is one of the important traditional Korean holidays in South Korea. 5 Things to do over Korean Lunar New Year.4.1 Korean Lunar New Year Traditional Games. ![]() The exceptions are those Heritage books which had very limited editions-the first 10 issues, which were sometimes signed by the artist, and pre-eminent among Heritage Press books, Arthur Szyk's Ink and Blood, a limited edition signed by Szyk. Most Heritage Press books-which are of very high quality (at least the pre-1980 books) likewise do not bring substantial prices. In the used book market, scarcity is everything. For Gibbon's Decline and Fall I've got "Everyman" and would never buy FS, as a general rule I'm particularly careful in buying translations no matter who the publisher might be, and where American literature is concerned I definitely prefer the Library of America. (It was volume two of Bewick, Water Birds, that the ten-year-old Jane Eyre was reading hiding behind the curtain on the windowseat in her Aunt Reed's house when her older cousin, John Reed, came into the room and started harassing her.)Īnd I might add that there are editions and there are editions. ![]() But I'd never spend that kind of money, or anywhere near it, for anything in FS. Since they're both up in the Berkshires (Massachusetts), I could make arrangements to drive up from Philadelphia, inspect my purchase in advance, and pay on-the-spot in cash. Oh, and as far as a rare book, what I am saving my money for is a 6th edition (1828) of the two volumes of Bewick's History of British Birds, which a couple different AbeBook sellers are both offering in quite good condition for $750. But if it's an investment you're looking for, you'd be better off putting your money into bank CDs. There may be some FS that hold continuing value, like LEs and also Andrew Lang and some other fairy-tale books, but even there I wonder how much market there is once the shrink-wrap has been broken.Īgain, don't get me wrong. I've got quite a number of FS myself (including, I think, the complete Elizabeth Gaskell though I'm not sure because I've bought them one-by-one), but every FS I've bought has been on eBay, probably at a price less than the original issue, and certainly without my having had to make the purchase commitment that FS membership requires. As far as their "preservation potential" (and I've seen that explanation by that particular eBay seller, which as far as I'm concerned is just a come-on to potential bidders), I think the real reason there are so many of them out there in such good condition is because people who spend that kind of money on FS editions are the kind of people who usually take good care of their books.ĭon't get me wrong. Some editions are stocked by independent bookstores, by Blackwell's in Oxford, and by Selfridges, Harrods and Hatchards in London.The reason they don't appreciate in value is because (like those silver medals issued by the old Franklin Mint) they are vastly over-priced in their original releases. Folio editions can be purchased only online through their website, by post or over the telephone. in December 2016 when the company moved premises. ![]() The Folio Society is a privately owned London-based publisher. Hardcover slipcases (all but Collectables) High quality bindings (Buckram, silk, etc.) Researched artwork and photographs (non-fiction titles) Handsome artist-commissioned illustrations (fiction titles) Half a century, and over a thousand books later, the name Folio has become synonymous with affordable fine editions - books chosen for their enduring worth, handsomely designed, illustrated and bound, which reflect not just the traditional skills of the book-maker's art but also the tremendous possibilities opened up by new technology. The Folio Society was Founded in 1947 'to Produce editions of the world's great literature, in a format worthy of the contents, at a price within the reach of everyman'. We Have Select Folio Society books FOR SALE! ![]() Google Docs will now open the PDF as an editable file. Once the upload is finished, click on the file to preview it. Now upload the PDF file you want to edit. Simply head to Google Drive and log in to your account. You can also use the Google Drive website to make edits to your PDF files without having to download any additional software or apps. It’s also very secure, as Adobe will automatically delete your files from their servers unless you sign in to save them to your account. It’s a fast and efficient way to edit PDFs in seconds. You might need to sign in to your Adobe account to use some features. You can even draw on the file, annotate it, and highlight or underline text using the free tool. You can now add text, comments, or sticky notes to the file. Simply head to the website and upload your PDF. This is a free online web tool, so there’s no need to download any software to edit your PDFs. In addition to Adobe Acrobat Pro, there’s another tool from Adobe that you can use to edit your PDF files. Edit PDFs with Adobe’s free online PDF editor What’s more, you can even password protect your PDF files using the app. The advantage of using Adobe Acrobat Pro is that it lets you make more complex edits to your PDF, including cropping and rotating images that are difficult to edit with other tools. Make edits as needed, and when done, click Close. Select the file you want to edit, and open it. Open Adobe Acrobat Pro, and in the right pane, click Edit PDF. You can download the free trial and use it to change text and other elements in a PDF file, including images. Use Adobe Acrobat Pro to edit PDFsĪdobe, the inventor of the PDF format, provides a powerful tool called Adobe Acrobat Pro to create, edit, and manage files. Save the file as a PDF to finish the process and generate an updated PDF file. When done, click File, and then select Save. You might notice changed line or page breaks at certain places, so make sure to correct them. ![]() Word now opens your PDF in an editable format. Word will make a copy of the file and extract its text for you to edit. Browse to the file you want to edit and select it. Once you open Word, click File, and then select Open. You can also download the trial software from the Microsoft website. Many HP laptops come with the trial version of Microsoft 365 pre-installed and are great for seamlessly elevating your productivity. You can use Microsoft Word software to easily edit PDF files on your laptop. Some software also let you rearrange and split pages in the PDF. You can also add or remove signatures, add or remove text, and edit images. It’s possible to fix typos in a PDF file using the tools we’ve outlined in this article. While this is what makes PDFs so useful, it also makes it difficult to edit them when needed. What kind of edits can you make in a PDF file?Ī PDF is intentionally designed to retain its format and content while minimizing the risk of changes when transferring them. ![]() The programme consists out of the following phases: We hope to welcome you back early 2024, when the open call for the third cycle is realeased. The open call for the second cycle of GEMZ is closed. Eager to join as a programme partner? Please get in touch via is supported by the Creative Industries Fund NL. Finally, it concludes with an exhibition during OBSESSED! Jewellery Festival 2023.Ĭurious to apply? Find all the info you need below. Through the three main stages of the programme – Exploration, Development, Presentation – Current Obsession provides the participants a variety of opportunities to strengthen both their creative and business development. Conventional views on gender and sexuality are questioned, ethnicity and family identity are thoroughly examined and (re)defined.īut no polish without friction: While not everyone welcomes the new generation – which repeatedly encounters misunderstanding from older generations – with open arms: it is undeniable that Gen Z offers an interesting, multi-faceted lens in relation to the contemporary jewellery medium. ![]() Hierarchy and authority don’t mean much to Generation Z, diversity, equity and inclusion all the more. This generation, mastering a strong online social presence and identity, defies long-cherished traditional views. The successors of the millennials grew up with the limitless possibilities of the worldwide web, where place and time play no role. The name of the programme amalgamates the definitions of gem – referring to a gemstone and simultaneously an “outstanding person or thing” – and Generation Z. The cycle will conclude in November 2023. The open call for the second cycle of GEMZ was released in April 2022. ![]() The main goal of the programme is to foster relationships between young creatives, cultural institutions and the industry. GEMZ is a talent accelerator programme initiated by Current Obsession to support a new generation of young makers as they develop their voices. It's there where Deckard meets and eventually falls in love with Rachael ( Sean Young) - a secretary at Tyrell's headquarters who ends up being a unique and highly advanced replicant herself. Replicants are already banned on Earth, and bloodthirsty ones are obviously a pretty significant problem for the city's law enforcement.ĭeckard reluctantly agrees to take the case and thus begins his investigation, starting with an interrogation of the lead replicant manufacturer in the world, Dr. A group of rogue replicants, led by a particularly dangerous model called Roy Batty ( Rutger Hauer), escaped an off-world settlement and are now seeking their creator to extend their short four-year lifespan. ![]() Emmet Walsh) brings Deckard back into the force to deal with a significant case. Blade Runners were a special elite unit designed to hunt down and eliminate rogue robotic replicants, and Deckard's legendary reputation leads his old captain Bryant ( M. One of the citizens of the city is Rick Deckard - a retired police officer who once worked for the LAPD as a Blade Runner. The original Blade Runner takes place in the far-off distant future of 2019, where the futuristic city of Los Angeles seems permanently cloaked in shadow due to the massive skyscrapers. Hopefully, we'll get more details soon, but until then, here is the story of Blade Runner so far. The only details on the plot of Blade Runner 2099 that we have right now are its placement fifty years after the second film and will function as a continuation of the Blade Runner story. With that, it seemed that the Blade Runner franchise would once again be put on ice. Alas, it wasn't too much of a happy ending for the long-awaited follow-up, as Blade Runner 2049 would follow the same path as its predecessor and lost over 50 million dollars at the box office. The critical reception to 2049 was absolutely sensational, with many calling it one of the best movie sequels ever created and one that perhaps surpasses the original. The stellar sequel sees a new Blade Runner take the reins of the franchise with K ( Ryan Gosling), as he aims to track down Deckard and solve a major mystery that could change the course of the relationship between human and replicant forever. That was until 2017 when Oscar-nominated filmmaker Denis Villeneuve could finally put a continuation together with Blade Runner 2049. A sequel to the now-iconic drama had always seen various stages of production since the original film's release but all its versions were ultimately shot down primarily due to the first film's infamously minimal box office returns. The entire film feels uncannily similar to that of a classic Humphrey Bogart detective film, while still taking place in a one-of-a-kind setting that's packed to the brim with dystopian detail. Taking place in a hopelessly bleak vision of a futuristic Los Angeles, the story of the original Blade Runner film follows a retired detective, Rick Deckard, ( Harrison Ford) as he's brought back into the fold to track down a group of runaway "replicants" - extremely life-like androids being used for hard labor outside of Earth. ![]() Game starts with the player creating their own avatar. Game is very replayable and is definitely worth checking out. Graphics are top-notch, gameplay is open-ended and addictive, multiplayer support is extensive. Extensive multiplayer support also adds to the replayability, as players can interact with other users in a variety of ways. There’s no set goal or objective, so users can keep coming back to the game and experience something new each time. App Avakin Life for free is a very replayable game. Players can also create their own avatar and customize it according to their liking. Game is also regularly updated with new content. Players can also join different clubs and groups. There are many different avatar customization options, furniture options, and clothing options. Join the community to unpack mysteries and complete quests for unique rewards.The replayability of this product is high. Live your roleplay life in epic locations with endless costume and animation options.Travel to outer space, road trip across the USA or relax in the Amazon rainforest. Create videos and photos and share your creativity with other Avakins.Attend parties, live music, and club events every night.Participate together in weekly events and collect unique rewards.Share your looks and win prizes in the Fashion Contest.Find your virtual family and make lasting friendships in our welcoming community.Whether you’d rather go on a cottagecore picnic or spend Saturday night at the rock club, hang out and chat with new friends in hundreds of amazing locations.Host parties with all your friends or create the perfect night in.Create a home for your pet whether it’s a cute corgi or fierce dragon?.Scandi chic or vamp lair? Decorate to your tastes with themed furniture collections.From tropical islands to city penthouses, the home of your dreams is waiting to be discovered.Share your style and snap pics for Facebook and Instagram. Experiment and discover your unique style! Dress to impress in red-carpet glamour, style with attitude in streetwear ‘fits, or make a statement in alternative fashion. ![]()
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Winston's Tesla Cannon auto-tracks Genji, reducing his mobility's effectiveness, and attacks through Deflect. She can escape if it hits, but even then, Winston can chase her down with his Jump Pack, and deal more damage to her than she can do to him. Winston cannot efficiently destroy a level 2 turret, and Torbjörn himself has a powerful shotgun that can tear Winston apart if he gets close.Īna's only option against Winston in a 1v1 is to put him to sleep. Torbjörn's Overload increases Winston's time to kill him by a significant 2.5 seconds. Roadhog's Whole Hog can keep an enraged Winston trapped in a corner, and does more then enough damage to kill him while still having 1 or 2 seconds to spare. Roadhog can use his Chain Hook to bring Winston in for massive damage, such tactic also preventing his escape. Roadhog can kill Winston in a similar fashion to Reaper, albeit with a slower-firing gun. Additionally, Reaper can outheal Winston's damage from The Reaping's healing power, and will be able outheal the damage if Winston is using Primal Rage and knocking him into a corner repeatedly. Reaper needs a minimum of 5 shots to destroy Winston's barrier, and a minimum of 3 to kill him outright, meaning it's possible for Reaper to eliminate Winston's defensive option AND the scientist himself in one clip. Like Mei, Reaper has a slight but noticeable 50 HP advantage to most heroes, except in Reaper's case, he can quickly kill Winston with the Hellfire Shotguns' massive close-range damage, as they deal their maximum damage even outside of Winston's maximum effective range. ![]() Additionally, Because of Fortify's crowd control resistance, Winston cannot use Primal Rage to knock her off the map while it is active. Her Fusion Driver will be able to hit most of its shots due to Winston's large hitbox, and can use Halt! to pull Winston back if he jumps out of the fight. Orisa resists a hefty amount of Winston's damage with both Fortify and 200 armor. She can also use Ice Wall to close off his escape route and use Cryo-Freeze to heal off a large amount of damage done. Mei can freeze Winston quite easily and doesn't need to worry about Winston's damage as much as most other heroes because of her slight 50 HP advantage, which noticeably increases Winston's time to kill. It is important to note that Winston can use his barrier to restrict Self-Destruct's area of effect. If Winston decides to leap away, D.Va can use her Boosters to chase him down and confirm the kill. Because of his large hitbox and head hitbox, D.Va's Fusion Cannons will hit most, if not all of their pellets and deal hefty damage. Even in Configuration: Recon, Bastion's innate armor, high HP pool, and powerful self-healing prevent Winston from being much of a threat to it.ĭ.Va's high armor and overall HP means Winston will have a tough time breaking her mecha. Winston can't survive long enough to kill it even during Primal Rage. Its damage is high enough to destroy Winston's barrier in a little over a second, kills Winston in roughly the same amount of time, and has massive resistance to the Tesla Cannon's damage from both Ironclad and its own armor. ![]() ![]() In Configuration: Sentry, Bastion hard-counters Winston. Avoid being right next to each other, as the Tesla Cannon attacks multiple targets at once, but don't be too far sperad out. Generally, Winston should be focused down by the team to minimize the amount of time he can spend causing chaos. |
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