If the net income is negative, then the expenses must be adjusted. A positive net income enables the budget maker to meet financial goals like saving or paying off debts. The net income can be calculated by subtracting expenses from monthly income. The budget maker should also calculate what they have left over after paying their bills, otherwise known as net income. Finally, these expenses should be added up to enable the budget maker to determine the household’s total expenses. The maximum amount spent on non-recurring expenses should be indicated to ensure the expenses are not underestimated. Some of the expenses may be recurring, such as rent, property tax alimony, and others, while others may be non-recurring, like the water bill or entertainment. ![]() List and add your expensesĪ list of expenses should then be created. These documents should be easy to access and updated to keep track of changing circumstances. Rather than relying on memory, the budget maker can create a budget worksheet to ease their ability to keep track of cash flow, or they can also store the information online in a secure document. Understanding the household’s cash flow eases the budget maker’s ability to manage the household budget. Next, the budget maker should know how much money is coming in and going out of the household. For example, they can choose between a zero-based budget plan and an envelope system. It also eases their ability to compare the effectiveness of each month’s budget. Selecting the appropriate budgeting plan provides the budget maker with an accurate picture of the money coming in and going out of the household. The budget maker should select a budgeting plan covering all their needs, some wants, and emergency savings. They include the following: Choose a budgeting plan The steps followed will help ensure that the document contains adequate information. When creating a household budget template, the budget maker must follow a detailed step-by-step process. Lastly, the budget maker should prioritize saving for irregular expenses that aren’t emergencies like a new roof or car.Paying off debt payments beyond the minimum should be prioritized as they are lower-rate debts.Again, the emergency fund should be prioritized to help build three to six months’ worth of giving expenses.The next priority should be saving for retirement, designated as 15% of the gross income.The third priority should be dealing with toxic debt, including high-interest credit card debt, personal and payday debt, rent-to-own payments, and title loans.The second priority should be 401(K) budget makers, which the employer should match.When creating a household budget, the budget maker should start by prioritizing emergency funds of at least $500 to cover minor emergencies and repairs.It is also an easy way of tracking expenses. It helps instills discipline in how money is spent to avoid overspending. It can be used in a household that is yet to adopt a cashless way of spending. It limits the budget maker to spend an only portion of the money available in each envelope. The envelop method is a cash-based saving system that assigns spending categories to different envelopes. ![]() ![]() Keeping the money balanced across these three main spending areas helps the budget maker put the money to work efficiently, which can help save time and reduce the stress associated with digging into details every time money is spent. It helps create structure and sustainable money management. 50 % is allocated to needs like rent or bills, 30% is allocated to wants like hobbies and shopping, and 20 % to financial goals, savings for college or retirement, and debt payments. The 50 /30/20 rule is a technique that divides the monthly income into three categories. The following techniques should be considered: The 50 /30/20 rule Using budgeting techniques will help the budget maker understand the household’s finances. There are two budgeting techniques that a budget maker should consider using when creating a household budget. To utilize a household budget appropriately, the budget makers should use a household budget template and must clearly understand the various budgeting techniques that can be used and how to create the household budget, among other crucial details. The household budget can also be referred to as a personal budget. A household budget enables the budget makers to control and manage how income and expenses are spent and saved over a defined period of each month. ![]() A budget is a financial planning tool used to forecast future income and expenses. Controlling the household finances using the right tool will help an individual keep track of spending habits. A significant factor in successfully running and managing a household is controlling its finances.
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![]() Easy GIF will convert the image to JPEG format.Once the image loads, scroll down and click on the "Convert JPEG" option.Copy and paste the image URL into the provided address line. Drag and drop the image file from your desktop or finder into the designated area.ī. Choose one of the following methods to access the image:Ī.Click on the "Webby to JPEG" option at the top of the page.To use Easy GIF to convert a Webby extension image, follow these steps: It provides a simple interface for easily converting Webby extension images to JPEG format. This tool offers a range of features, including image conversion, resizing, cropping, and creating animated GIFs. Method 1: Using Easy GIFĮasy GIF is a versatile tool that serves as an excellent solution for converting Webby extension images to JPEGs. Now, let's focus on the primary objective of this article: converting Webby extension images (. Copy the URL and open it in a new tab or save it using the methods mentioned earlier. Right-click on the image element, select "Inspect," and navigate to the HTML section that contains the image source. By inspecting the webpage's source code, you can locate the image's URL and access it directly. Option 3: Using the Inspector Toolįor advanced users and web developers, leveraging the Inspector tool in Chrome can provide additional flexibility. This method is particularly useful if you need to save multiple images quickly. Simply click and hold the image, drag it to the desired location, and release the mouse button. Option 2: Drag and DropĪnother easy way to save an image is by dragging it directly from the webpage to your desktop or a folder on your computer. This method works for both Webby extension (.webp) and other image formats. A dialog box will appear, allowing you to choose the file format (JPEG, PNG, etc.) and specify the destination folder on your computer. Simply right-click on the image and select the "Save Image As" or similar option. The most straightforward method is the "Save Image As" option available in most browsers. Let's explore three common ways to save an image and discuss their advantages and limitations. When it comes to saving images, there are several methods you can employ, regardless of the Webby extension. You can proceed with the regular image-saving methods in these browsers without any complications. If you are using Safari, Firefox, Internet Explorer, or Opera, you won't encounter the Webby extension issue. As Mentioned earlier, the Webby extension is exclusive to the Chrome browser. The first step to saving images with the Webby extension as JPEGs is to determine which browser you are using. By doing so, webpages load faster, providing a smoother browsing experience for users. The Webby extension is specifically designed by Chrome to compress images and reduce their file sizes. Understanding the Webby Extensionīefore we Delve into the methods of converting Webby extension images to JPEG, let's understand why this extension exists in the first place. Fortunately, there are simple solutions to convert these webp images to the more widely supported JPEG format. While this format helps optimize webpage loading speed, it can cause inconvenience when you want to save images for later use. webp, is a file format used for image compression in the Chrome browser. In this article, we will explore various methods to save these images as JPEGs, allowing you to easily use them in your projects. webp)? This can be a common occurrence, especially when using the Chrome browser. Have You ever come across the frustrating issue of trying to save an image, only to find it saved with the Webby extension (. How to Save Images with the Webby Extension as JPEG Are there any alternative methods to convert the Webby extension to JPEG?.How can I save an image as a JPEG in Chrome?.Method 2: Using Save Image As Chrome Extension. ![]() To place an image on a web page, we use the element. You may also be interested in the CLS Debugger. Generated using Layout Shift GIF Generator. Ignoring them means the browser may not be able to reserve sufficient space in advance of them loading. ![]() ![]() The most common causes of CLS include images without dimensions (see below), which can push down content when they load and snap into place. Cumulative Layout Shift (CLS) measures the instability of content. Imagine you've started reading an article when all of a sudden elements shift around the page, throwing you off and requiring you to find your place again. Layout shifts can be distracting to users. While great for looking at opportunities to improve your user-experience, always try to consult real-world data for a complete picture of what actual users are seeing. Keep in mind that Lighthouse is a lab tool. You can also find Lighthouse in PageSpeed Insights, CI, and WebPageTest. You can find it in the Chrome DevTools suite of debugging tools and run it against any web page, whether public or requiring authentication. Lighthouse is an open-source, automated tool for improving the quality of web pages. In this guide, we will be using Lighthouse to identify opportunities to improve the Core Web Vitals, walking through optimizations for each metric. Above, the Stack Overflow “The Key” hero image was the Largest Contentful Paint element Images can impact the CWV in a number of ways. CWV is part of a set of page experience signals Google Search will be evaluating for ranking. It’s an initiative by Google to share unified guidance for quality signals that can be key to delivering a great user-experience on the web. You may have heard of Core Web Vitals (CWV). Image impact on user-experience and the Core Web Vitals If using 11ty for your static sites, try the 11ty high-performance blog template. You can of course also do this manually just using the element directly. Note: Modern image components that build on, like Next.js (for React) and Nuxt image (for Vue) try to bake in as many of these concepts as possible by default. While not render-blocking, they can indirectly impact render performance. Avoid images causing network contention with other critical resources like CSS and JS.Use CSS aspect-ratio or aspect ratio boxes to reserve space otherwise.Set dimensions (width, height) on your images.Lazy-load offscreen images (reduce network contention for key resources).Avoid wasting pixels (compress, don’t serve overly high DPR images).Use srcset + efficient modern image formats.Given how central it is to image optimization on the web, let’s catch up on what it can do and how it can help improve user-experience and the Core Web Vitals.įirst, some tips to get us started optimizing our metrics: The humble element has gained some superpowers since it was created. We like images over on the Stack Overflow blog too. Images are so prominent that they are part of the most important content in over ~70% of pages on both mobile and desktop according to the largest contentful paint metric. This isn’t a huge surprise as we humans are quite visual and the tag has been around for almost 30 years. Images are one of the most pervasive parts of the web. ![]() Just like the file removal module, the disk wiper supports over ten data deletion algorithms that overwrite your disk in multiple passes. ![]() ![]() Disk wiping is especially useful when you are selling or giving away your computer and need to make sure no sensitive data can be recovered from the drive. In addition to securely deleting files, Easy File Shredder can be used as a disk wiper utility to remove every single bit of data from your HDD or SSD. The app gives you a choice of more than ten different data deletion methods that offer different levels of security, or you can create your own unique algorithm to shred your files. It leaves no traces whatsoever, which means that even professional forensic software won't be able to undelete the shredded files. Best Windows File Shredder to Completely Shred Confidential Files. This process is called data shredding and it ensures that no file recovery software can undelete any bits or pieces of the original deleted file.Įasy File Shredder uses the highest standard data removal algorithms that guarantee complete file removal. Software tool that securely erases sensitive files and data from a PCs hard drive, making them irrecoverable. Securely File Shredder, free download for Windows. We certify that this program is clean of viruses, malware and trojans. In other words, Easy File Shredder overwrites files several times with a set of different characters and numbers to completely hide the original data. We have tested Securely File Shredder 2.0 against malware with several different programs. It's a secure file eraser app that removes files with a special set of binary data multiple times. File Shredder supports multiple shredding algorithms up to 7 passes, US government compliant DoD 5220-22. Files deleted with File Shredder can not be retrieved back. Download and installation of this PC software is free and 2.5 is the latest version last time we checked.Easy File Shredder is designed for fast and secure file removal. File Shredder is free desktop application to securely shred files and folders on computer. It doesn't include a search function, but adding directories is probably the quickest way to irreversibly delete data from a hard drive or other storage media.Īll in all, File Shredder is a fast and effective free software application that makes destroying data painless.įile Shredder is provided under a freeware license on Windows from secure cleaning software with no restrictions on usage. Though not quite as powerful as other programs in the niche, File Shredder has a very welcoming and straightforward user interface which supports adding multiple files and directories into the application as necessary. These can be found in the settings menu under Algorithms. The program includes 5 different algorithms for erasing data, with each selection a bit stronger than the previous one. This can be used to permanently remove sensitive information such as banking details or Internet browsing history. Free software to permanently and irreversibly delete data with several algorithms.įile Shredder is a free and open source file deletion utility that promises to completely destroy files, making them unrecoverable from the Recycle Bin.įile Shredder works by deleting and then overwriting the data it has deleted using random bits, making the usage of popular file recovery programs ineffective. ![]() In the studio, the most important use for an SPL meter is to measure your monitoring level. The S (slow) setting usually uses a 1s integration time, F (fast) uses 125ms and I (impulse) uses 35ms. SPL meters often have a speed setting for adjusting how quickly the meter responds to level changes. A-frequency weighting is the most common system, based on the equal loudness contours, while C-weighting is used to measure peak sound pressure. To confuse things, SPL measurements are sometimes made using weightings designed to replicate the response of the human ear. The measurement dB(SPL) is the one most people use to refer to how loud a sound is. One of the most common uses of decibels is to measure sound pressure levels. Whether you’re working with digital or analogue, any signal above 0dBFS or 0dBVU is usually bad news in terms of sound quality. The Volume Unit is a hangover from the days of analogue radio broadcasting and tape recorders, where 0VU was the highest allowable signal level. Analogue equipment tends to use dBVU (referenced in Volume Units) in a similar way to dBFS, where 0dBVU is the nominal maximum signal level. On professional audio equipment, 0dBFS is usually set at +4dBu.Ĭommercial equipment tends to use -10dBV as the 0dBFS reference point. Attempting to push a signal beyond this level will instantly result in the waveform becoming squared off at the peaks. ![]() In digital equipment, 0dBFS is the highest possible signal level. We did warn you that decibels can be confusing!ĭecibel meters on hardware and in software are usually used to display dBFS or dBVU, measurements of the level of a signal relative to a defined maximum (in digital equipment this is the point just before clipping occurs, whereas in analogue equipment it refers to the highest level before the signal starts to degrade). The only caveat is that you should pay attention to capital letters – dBu was originally known as dBv and is occasionally still referred to in this way by Americans. If you’re working exclusively with professional equipment then you can just about forget that dBV exist and concentrate on dBu. In the case of the dBu, it is referenced to a signal with a root mean square magnitude of 0.775 Volts (RMS is essentially a method of calculating the average magnitude of a wave with positive and negative elements), while dBV is referenced to 1V RMS. This measurement of micropascal is the lowest pressure (and therefore quietest sound) that can be perceived by the human ear.įor electrical audio signals, the most common scales used to measure level are dBu (the professional standard) and dBV (more common in consumer equipment). This is more accurately termed dB(SPL) and is referenced to sound pressure level in air, where 0dB(SPL) equates to 20 micropascals (uPa). Probably the most common everyday use of the decibel unit is as a measurement of the level of intensity of an acoustic sound. There are three main areas where you’ll find decibels used for audio measurements, and the context should give you a clue about which type is being used. The result of this lazy naming is that we often have to infer the reference point from the context. There is progressive work being ramped up behind the scenes in terms of getting a new single-player campaign up. There is a Carlist Wars campaign in the works which showcases an entire map of Spain in this period with new factions. The mod is available for download for multiplayer use. Modders found a unique experience in which to turn this into something unique. The Fall of the Samurai DLC could be said to be the farthest Total War has ever gone in terms of technological advancement and the advancement for WW1. Total FOTS is a series of mods being developed for the Victorian era. Shogun 2 is transformed into the Victorian Era! Playable with Historical 10th Anniversary Mods.If you have never liked the vanilla aspect of Shogun 2’s campaign map, then this feels like the best mod out there right now as someone who has played this, it is by far one of the most recommended mods needed out there to enhance your Shogun 2 campaign, and it makes playing Shogun 2 more fun! However, this focuses on a standalone mod that changes the look of your campaign to give it a greater and more authentic feel. ![]() Including overhauling many other areas of Shogun 2 in terms of weather. This mod is part of the 10th Anniversary collection that changes the look of the campaign and units.
![]() I use a budget envelope for my Christmas money, for things I’m saving up for. Some people also use cash envelopes as a mini savings account, to hold their sinking fund money. No matter what payment method you prefer, I think it’s beneficial for people to try the cash envelope method for at least a few rounds of monthly expenses and spending. Once they get a feel for how much they should be spending, they transfer over to a budgeting app, or go back to using a credit card so they can earn reward points. Sometimes people only do the cash budget system for a few months to help get their spending habits in line. (We talk more on which spending categories this works best for below). ![]() For example, you wouldn’t use cash budgeting for debt repayment or your car insurance payment, as it’s online, and it’s a fixed expense, so there’s no need to budget it out because you know how much it will cost. Using an all cash budget is typically done with your spending money. The cash envelope system is great for someone who may be tempted to spend more money than they should, but with cash budget envelopes, they can’t spend more than the amount they determined doing their monthly budget planning. So it’s a safety catch for your monthly budget. ![]() Basically, at the beginning of every month, you decide how much money you want to spend in specific categories and stuff your envelope with that amount.ĭuring the month, you spend from your category envelopes, and once that envelope is empty you stop spending money. Cash envelopes are used as a way to budget your money it’s the “cash envelope system”. ![]() ![]() Professionally designed templates already contain a list of the church budget categories, so all you have to do is to input the figures. When budgeting for your organization, downloading a church budget template will make the process a whole lot easier for you. It fosters a good relationship among those involved in the organization.It builds trust and eliminates skepticism regarding the church and its financial resources.It ensures transparency among the church members and leaders in terms of finances. ![]() It helps protect the church ministries.It enables you to keep track of the money that goes into and out of your organization.Aside from that, here are other reasons why you should consider having a church budget proposal and a church budget spreadsheet. Have you ever experienced borrowing money from your friend, because your expenses exceeded the cash you have at hand? Well, just like in our personal lives, these organizations should manage their finances and start budgeting for a healthy church. The Importance of Creating a Church Budget Most importantly, this spreadsheet helps the organization prevent falling into the debt hole. It is a document detailing the church’s income, projected income, and forecasted expenses. What is the average salary of a pastor at a small church?Ī church budget is an essential tool for those who manage the church’s finances.How Do You Create a Budget for a Church?.The Importance of Creating a Church Budget.Proposed Budget Christian Reformed Church ![]() Minnesota-Michigan-Wisconsin - From the junction of the western boundary of the State of Michigan with the boundary between the United States and Canada northerly and easterly along the west line of Gogebic County to the west line of Ontonagon County thence south along the west line of Ontonagon County to the north line of Gogebic County thence southerly and easterly along the north line of Gogebic County to the west line of Iron County thence north along the west line of Iron County to the north line of Iron County thence east along the north line of Iron County to the east line of Iron County thence south along the east line of Iron County to the north line of Dickinson County thence east along the north line of Dickinson County to the east line of Dickinson County thence south along the east line of Dickinson County to the north line of Menominee County thence east along the north line of Menominee County to the east line of Menominee County thence southerly and easterly along the east line of Menominee County to Lake Michigan thence east to the western boundary of the State of Michigan thence southerly and easterly along the western boundary of the State of Michigan to a point in the middle of Lake Michigan opposite the main channel of Green Bay thence southerly along the western boundary of the State of Michigan to its junction with the southern boundary thereof and the northern boundary of the State of Indiana. ![]() At first read I said to myself “Hmmm, now where did I hear of Smilebox before? Turns out I downloaded that a long time ago, but never executed it. Many issues with auto-charges and problems with refunds, inability to get customer service to respond:ġ0 thoughts on “ Smilebox seems to be a box of trouble” YOU AGREE TO SUBSCRIBE TO THEIR NEWSLETTERĬomplaints about not being able to keep them from continuing to charge their credit cards after they quit the service and problems with getting customer service to respond:īeware as they do have a C rating with the BBB (Better Business Bureau) mostly due to what is called improper billing practices: SINCE THEY ALREADY HAVE YOUR CREDIT CARD INFORMATION, YOU MAY NOT EVEN REALIZE YOU ARE GOING TO BE CHARGED WHEN TRING (sic) NEW OFFERS. WHILE A MEMBER, IF THEY OFFER FREE TRIALS OF OTHER THINGS, ONCE THE FREE TRIAL IS OVER YOU ARE AUTOMATICALLY CHARGED, SO BE CAREFUL OF THEIR MANY OFFERS. ONCE PAYMENT IS MADE, NO REFUNDS UNDER ANY CIRCUMSTANCES Several users have complained on download sites like that they were charged before the trial period ended and were unable to obtain a refund.” ![]() They offer a 14-day trial period, after which they automatically charge your credit card. You first have to get it to stop running, which is a chore in itself since it seems to have a mind of its own. It wouldn’t uninstall, once I was able to find the uninstall option, because it was running. The program popped up constantly from the system tray asking if I wanted to add the most recent pictures uploaded to my computer to my Smilebox. “I tried SmileBox earlier this year and it took forever to get rid of it. Typical review (after Incredimail purchased): Smilebox has a reputation as the “World’s Most Annoying App”. SmileBox is owned by Incredimail and it seems most complaints are for charging when customer did not expect a charge, refusing to refund, difficulty cancelling, nagware/ads/toolbars, and problems uninstalling. I did not reinstall SmileBox, but would like to use it. It was SuperAntiSpyware that alerted me, so I called them and the tech told me SmileBox is bad, but I know several people who use & enjoy it. It was so cute and I loved the program, but immediately after, my computer crashed with a virus. I downloaded the program about a year ago and made an album. My question is, Is Smilebox safe? I have received some greetings & albums from others and they are so fun. I have learned more from you about computers that from all other sources put together. It is the only element of the service that is short of stellar.Thank you both so much for all that you do. Forgive me for not acknowledging your humanity! I would still encourage them, though, to consider a live-chat or phone option for customer service. I misunderstood the reference to them being the “Smilebox WEB” and “The Voice of Customer Service” and presumed they were a bot. *Amendment* After clarification-and in case you’re the type of person who reads the review but not the response-my Smilebox customer service experience was a with a human after all. On the other hand, you PROBABLY won’t need customer service. The lack of any sort of real-time or near real-time communication with a real person (or a competent bot) is a bit outdated. Their customer service, though, is very slow and difficult to interact with. ![]() The personalized e-card-especially with the music component-can really deliver an touching and emotional moment. ![]() One great service with one flaw to consider They intentionally take advantage of people as a policy. It doesn't matter how lovely their product is. 100% do not recommend any company that makes their pricing deliberately deceiving. It is intentionally misleading advertising and then when they trick you, they tell you its your fault. If you look at other review platforms you will see even more negative reviews about this deception. If you look at the reviews you will see there are many reviews about this issue. There are many other companies out there that offer a similar product without the deception. So instead of paying $4.99 you are paying just shy of $60 for the beautiful card you created. They charge for a year subscription which you find out after you click the option for $4.99. The site leads you to believe that it will cost you a little less than $5 dollars to use their card service. Don't believe me check the BBB page for Smilebox this list of complaints is long and repetitive. |
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