Persona 5 live wallpaper iphone12/19/2023 ![]() ![]() Here are five tips on how to make the most of cool wallpaper: Persona 5: The Animation 4k Ultra HD Wallpaper | Background Image #Ĭool wallpaper is a great way to add a touch of elegance and style to any room. The history of wallpaper is reflective of the history of humankind. Some wallpapers were created to be seen on large canvases or in temples, while others are used as background wallpaper on laptops and smartphones. Wallpapers have been around for centuries and there are a variety of them to choose from. The History of Wallpapers: From Ancient Times to Today ![]() Download Minnie Mouse Head Wallpaper Gallery # They can also be used as an easy way to add personality and style to a room. Wallpapers are a great way to set the tone of a room or home. Here you go: Planet Earth Stars Wallpapers | HD Wallpapers | ID #19633 # We have 18 Images about Planet Earth Stars Wallpapers | HD Wallpapers | ID #19633 like Persona 5 wallpaper | Wallpaper, Persona 5, Art, PERSONA 5 Wallpaper for iPhone 5, 5c, 5s, SE by uzijin on DeviantArt and also Colorful tropical fish Ocean-transparent water-HD Wallpaper for Windows. Looking for Planet Earth Stars Wallpapers | HD Wallpapers | ID #19633 you’ve visit to the right page. For example, if you keep all your photos on individual albums, then each album will have its own organizer. ![]() Use media organizers: When organizing your wallpaper collection, using media organizers can make life so much easier. If your wallspace is small, try choosing a smaller wallpaper rather than a large one. Here are five tips on how to store wallpapers:Ĭhoose the right size: When deciding how much wallpaper to store, it’s important to take into account the space you have and the type of wallpaper you’re interested in. Not only are they easy and quick to access, but they can also be stored in a way that is convenient for you. When it comes to storing pictures, Wallpapers is the best way to go. The Best Way to Store Wallpapers: A Storage Solution for Your Collection ![]()
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Shadow era eladwen deck12/19/2023 ![]() A Blake when Aldon is out gives 4 damage, which makes him a cheaper version of a Fireball. If I end up with a lot of cards due to Bazaar or Bad Santa, then Portal should give me some great direct damage to unload with my allies. I decided to mix Lightning Strike and Portal to give me some flexbility. Of course, while your allies are dying, they are soaking up damage and filling your graveyard. Whilst this start is potentially better than the other, you're more vulnerable to enemy attacks without Birgitte's protection. If you played Portal, you might have hit for 15. ![]() If you've played Lightning Strike, you've ended up hitting for a maximum of 21. Hit with Aldon (3), Puwen (3) and Kris (2). Play Lightning Strike (3 and 3) or Portal. If you don't have Birgitte in your opening hand, then let's look at another likely few turns: Of course, your opponent will be playing cards too and maybe Retreating Birgitte or killing Blake and Kris somehow, but you will likely still have the advantage in the early game. With 4 copies of each of these cards, there's a reasonable chance of doing 19 damage by the end of your turn 4, which is a fantastic start indeed. T4: Hit with Birgitte (1), Blake (4), Aldon (3). Let's look at the ideal start in more detail: The ideal start, however, is to play Birgitte, Blake and then Aldon, since Kris becomes a semi-Fireball for 1cc when he has the Brave one himself to help him out. This deck plays a lot like Economical Eladwen in the early turns, except you want to play Kris if he arrives in your starting hand, rather than holding onto him, so you can get some early damage on there. ĭeck List NISH4V3N 1.28 "Full-HD" ( View in deckbuilder) Hero: Nishaven Allies (24) 4 Kristoffer Wyld 4 Birgitte Skullborn 4 Puwen Bloodhelm 4 Blake Windrunner 4 Aldon the Brave 3 Jasmine Rosecult 1 Tainted Oracle Abilities (18) 4 Honored Dead 4 Fireball 3 Lightning Strike 3 Supernova 2 Portal 1 Research 1 Bad Santa Strategy Without further ado, let's see the experimental deck I ended up with. This was, of course, very similar to how Eladwen was currently being played, but I had four main differences: firstly, I had my healing anti-weapon in the form of Honored Dead secondly, I was going to skimp on my own draw cards and fill those slots with allies, since I could just benefit from their Bazaar and Bad Santa thirdly, I would make use of Birgitte, to disrupt my opponent's targeting and keep Aldon and Blake alive longer than they might ordinarily survive finally, I was going to use the lesser human mage and the poster-boy of Shadow Era himself, Nishaven, so I could nuke my own allies, if necessary, in exchange for healing and drawing with Honored Dead. I decided to put this to the test and stock up on a lot of cheap easy-to-kill allies, which led to a weenie-rush deck, where I could hit hard in the early game and follow up with some burn damage to win. The main trouble with Honored Dead, and the reason why no one seemed to be playing it, is that you need five allies in the graveyard, which is quite hard to achieve. ![]() Ideally, I would play it when they have planned out how to kill me over the next couple of turns, to grab back enough health to kill them on my next turn. With Honored Dead!!!"Īt this time, I was not aware of anyone else running Honored Dead, so I saw this as a chance to get a competitive edge on the other mages, since I could surprise them with my healing. (I'd dropped from 217 to 201, getting to grips with v1.28.)īut which Hero would I base the deck around?Īs usual, I began by thinking over the main pros and cons of each Hero class and was hit by an epiphany. I therefore decided to make a deck that could deal with both top Heroes (there had to be a way!), and also take maximum advantage of any extra cards the opponent gave me, without depending on those extra cards, and hopefully let me climb back up in the ratings. In my early matches in v1.28, I also noticed a lot of people were using Bazaar and Bad Santa in their decks I attribute this partly to the increase to 40-card minimum and partly to needing a fast deck to contend with Eladwen and Logan. Darkclaw soon started to disappear from the meta, leaving a whole lot of Eladwen and Logan in Quick Match. It soon became apparent that Darkclaw was easy to beat with the right cards (a couple of Misplaced or Shriek of Vengeance), but Eladwen and Logan were much stronger. When v1.28 hit, there were three main Heroes being used: Darkclaw, Eladwen and Logan. Shadow Era TCG » Decks » NISH4V3N 1.28 "Full-HD" ![]() Minion bob drawing12/19/2023 ![]() ![]() I didn’t notice harsh feedback coming through the bike even in the roughest trails. The accuracy and composure in rough trails gave me tons of confidence. I could place it on any part of the trail I wanted without hesitation. There was enough support that I could pump and maintain speed on smoother trails, which also made the Glory fun to ride. Still, there was ample support deeper in the travel and the bike skipped over bumps with impeccable composure that the Propain and Nukeproof couldn’t match. Small bumps were absorbed effortlessly, which smoothed out the trail, and helped the bike find traction in corners and through cambered sections. The impressive shock tune, combined with the new kinematics, meant the bike had tons of grip on sketchy sections of trail. Giant has done an impressive job of balancing comfort and precision. It’s so easy to go fast that you can thrill and scare yourself with little effort. Giant’s Glory Advanced is a terrifying bike to ride, but I say that positively. 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Universal s Minions Ready-to-Read Level 2: Who's the Boss? Bob the Minion, Minions, minions illustration, heroes, film, despicable Me png. ![]() 2021 california driving test12/19/2023 ![]() ![]() This training is restricted to 2 hours per day behind the wheel. You must complete 6 hours of hands-on driver training.An online driver's education program like Aceable or ach, as long as it meets the requirement of 25 hours.A state-licensed and approved professional driving school and associated coursework.Classes at a California Secondary School.This classroom instruction may be completed through: California Drivers Education If you are under 17.5 years of age, it is required that you complete drivers education in order to get your learner's permit Make sure that your California Drivers Ed course consists of the following: ![]() If you are younger than 17.5 you will be required to take a Drivers Education course either in person or online with an approved provider. Learners Permit Age in California For someone to get a California learners permit, they must be at least 15.5 years of age. Here are the items you will need to make sure you have completed before you head to the DMV. Several things are required of you in order to get your California provisional permit (also referred to as a learner’s permit). As a result, California is one of many states that participate in a Graduated Drivers License (GDL) program. Many of these accidents are known to be caused by inexperienced teen drivers. Learners Permit Requirements in California Anyone who drives in California knows that there are an alarming number of accidents on the roads. For a minimal price, you can get access to real questions and answers from the DMV written test all in pdf form. Want a faster alternative to taking a practice permit test? Our permit DMV California Cheatsheet is built for learning the content you need to know and fast. These are the exact questions you will see on the permit test at the California DMV. We fact-check these questions and then turn them into bit-sized quizzes that you can take for free. Your fellow students and drivers submit these to us after they have passed the permit test. We crowdsource real questions and answers from the exam. Our free permit practice test questions are from the real exam you will take in person. We’re good at helping our students pass their California permit test. Here at DMV-written-test, we pride ourselves on being able to assist thousands of students per day in getting their driving permits. If you’re looking to pass the DMV written test on your first attempt in CA, it’s recommended that you prepare by taking a DMV practice test. Because of the magnitude of the right, you gain bypassing, the California written permit test isn’t easy. It’s one of the biggest rights you can gain as a Californian and as a U.S. Getting a California Driver's Permit gives you the right to drive a vehicle while supervised. Our test is built to the same format and just like the real permit renewal test, it is based on the official drivers manual, the book you should at least skim through before you go into the office (personally, we would keep it nearby as you go through the practice test)! All permit test questions on the quiz are multiple choice and will show you the right answer as soon as you pick one of the options, you won't have to wait until the end of the test to see if you missed anything!ĭon't worry if you don't pass this online California DMV 18 question renewal test 2023 the first time you take it - you can keep on retaking it until you are satisfied with your score! 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Skim through the book and dive right into taking the quiz! ![]() Icon mnml slides12/19/2023 ![]() ![]() Mnml is well-known and well-liked among millennials and urbanites. ![]() Brands’ acquisition of the company is also part of a trend in the DTC fashion industry. Brands, which raised $104 million in venture capital, intends to use the Mnml brand to expand its reach into the male apparel market. Brands’ acquisition of Direct2Consumer marks the beginning of a shift toward direct-to- consumer fashion brands. The company, which was founded in 2015, is an accelerator that assists brands in the development and launch of their products. The brand has a following among both urban and millennial consumers. Mnml sells T-shirts, sweaters, and other clothing products in Brooklyn. The Acquisition Is Also Part Of A Trend Of Acquisitions In The Dtc Fashion Industry. Mnml’s founder and CEO, Matthew Fields, believes that the acquisition will allow the company to continue expanding both domestically and internationally. You can also express your interest in other people. Brand Holding Corp., a leading lifestyle brand holding company, intends to use the brand as a complement to its portfolio of lifestyle-oriented brands. Mnml was founded in Los Angeles by three friends in 2016 and is expected to generate $10 million in revenue by 2021, according to its founders. ![]() announced the acquisition of Mnml, a men’s streetwear label for $48.6 million in cash and equity, making it the second clothing brand addition to its portfolio. We look forward to assisting them in achieving their goals and exceeding expectations.” Brand Holding Corp. Mnml’s acquisition by Brand Holding is a positive development for our company,” said Levy. Mnml’s customer base will benefit greatly from Brand Holding Corp.’s assistance. Mnml joins the company’s lifestyle brands, including Kushies, which is a women’s contemporary fashion brand, and DapperQ, which is a men’s contemporary fashion brand. Brand Holding Corp.’s acquisition of the company will allow it to invest in fast-growing, innovative brands with a strong customer base. ![]() Levy’s book Mnml is a perfect fit for our portfolio because it is focused on trendsetting, high-quality designs, and is committed to engaging with its customers. Mnml is Brand Holding Corp.’s new addition to the company’s expanding line of lifestyle brands, according to its CEO and President. MnML will generate $10 million in revenue by 2021, according to its revenue projections. It is a collection of urban, modern, and eclectic designs. Acquires Men’s Streetwear Label MnmlĪ three-person team in Los Angeles founded the company in 2016. The majority of his work for MNML is done overseas, in factories in India and China, where the jeans are manufactured. While some designers choose to call their work “M,” the owner and founder of LA-based MNML admits that their designs do more than just pay homage to their past. Although mnml is a relatively new brand, it has already established itself as a force to be reckoned with in the fashion world. The brand offers trendy, affordable clothes that are perfect for those who want to keep up with the latest fashion trends. For some, the sensation might feel tingly, and for others, it could come with some discomfort, Milhouse said.Mnml is a fast fashion brand that is quickly gaining popularity among young people. She said that if you talk to people who check out their vulvas during masturbation, or who get close to their partners' genitals during partnered sex, they'll likely tell you it looks huge compared to what they expected or saw at the start of the sexual experience.įor someone experiencing a clitoral erection, they may notice their genitals feel more sensitive than usual, whether they're being touched or not. It's just less noticed because it's not often talked about, Milhouse said. The same is true of the clitoris there's a distinct difference between a flaccid and erect one. With penises, these erections tend to look quite obvious. When the genital tissue engorges with blood, it makes the area more sensitive to physical touch and creates a firmer feel and appearance, according to Milhouse. There are two corpora cavernosa in the penis, and the clitoris has one corpus cavernosum where blood rushes, Milhouse said. Account icon An icon in the shape of a person's head and shoulders. ![]() Baby ninja turtle costume girl12/19/2023 ![]() ![]() Applying the vinyl is done the exact same way as the front part is. I cut the bottom piece out of black vinyl and then the top piece out of the glitter vinyl. I just had the Silhouette Studio program trace the image. Lay the multi use paper over all of the vinyl once you peel off the top sheet so that the iron isn’t directly on the vinyl and iron it one more time just to ensure it is all ironed on wellįor the shell, I found a shell shape on Google images that I used. Now lay the yellow vinyl over the tan vinyl and iron that piece on. If the vinyl starts to come up with it, put the sheet back down and iron that spot again. Start pulling the top sheet off of the vinyl slowly. Move the iron around and make sure it has been on all of the vinyl for roughly 30 seconds. Iron on the pieces onto your shirt by first laying the tan color onto the shirt and using the iron on the cotton setting. Pull apart the pieces a little so you will be able to see the tan through the yellow on the shirt. Make this shape about a half inch smaller all the way around than the tan piece so that the layering can be seen. Now take that shape and use the knife tool to create the “abs”. ![]() Measure how big you want the chest piece to be and cut out that shape out of the tan colored vinyl. ![]() Drag the points in the top corners to create a soft rectangular shape on the top that goes down into an oval shape on the bottom. Right click on the shape and select “edit points”. We used glitter vinyl for the green on the shell, but you could skip the glitter if you don’t want it!įor the front of the shirt, open up your Silhouette Studio program and create an oval shape. – Heat transfer vinyl from Expressions Vinyl in Yellow, Black, Tan, and Green. Also, I love the fact that now she can go in her car seat without having to take parts of her costume off when we are headed to various Halloween events this year. She wants to run and play, not worry about some shell that might fall off. After doing a lot of research and brainstorming, I realized that having some sort of shell on a 4 year old’s back might be a recipe for disaster on Halloween. There are tons of kids who would love a custom Ninja Turtle shirt! I also love the fact that the shell is part of the shirt. The shirt is one of my favorite parts because it can EASILY be worn after Halloween without it looking like a costume. Now I don’t feel like we need to paint faces or anything. I just love that these masks have a little bit of green on them, instead of them being just the colored fabric. Measure how far apart the person’s eyes are and cut holes for their eyes on the mask.Let this dry completely before moving onto step 3. Cut a long strip of fabric and glue it to the foam.Measure the person’s face and cut out a mask shape out of the foam that is the same width as their face.I get a little too claustrophobic for masks! Just don’t include the tutu and the sparkly fabric and you are good to go! Just follow along with the instructions below to create your very own little half shell hero!įirst up, is the mask! I wanted this mask to be able to be either a mask or more of a headband because I personally don’t plan on wearing mine as a mask on Halloween. Obviously this costume would be pretty easy to turn into a boy’s costume as well. Its like she literally thought she was a Ninja Turtle! This costume was not only easy to make, but it was so fun too! The best part was definitely putting it on my daughter and seeing her instantly turn into a ninja. I will be sharing our entire family look later, but today I am excited to show you my very own little Ninja Turtle! Here is my DIY No Sew Ninja Turtle Costume for Girls! ![]() We end up having a family theme with all of us, but I usually just share the tutorial for her costume. But I am sure glad that I didn’t start out by sewing every costume because that would have never lasted! If you are new around these parts, this is the 5th year that I have created a new sew costume for my daughter. When I first started making my family costumes, I didn’t mean to create the no sew theme that I did. It is officially the time of year that I look forward to each and every year. ![]() Hyland kitchen12/18/2023 ![]() ![]() It’s a robust piece of wood, made for heavy-duty chopping. Bang away at a butcher’s blockīutcher blocks have been used by butchers for centuries. That’ll give the unit a clean look and the chairs will take up less space. Make sure to pick right size stools to that they can be tucked under the island top. Add baskets to the shelves for a neater look with a better overview.Īnd since you can play around with bar stools, why not go all-in? Dare to make a statement with your stools, and your kitchen island will be the social centre of attention. With shelves beneath the tabletop, you’ll be able to hide much of your storage: from plates and cutlery to pots and pans. Since it’s usually a larger unit, it can offer both storage and prep space, as well as an integrated dining area. Kitchen island units – love at first sightĪ kitchen island is a great way to combine everything you need in your kitchen. That way, you can move around more freely without risking bumping into sharp edges. What about treating yourself to a butcher’s trolley to bring some pro-chef quality to your kitchen? Bonus tip: kitchen trolleys with curved ends will create a better flow around your unit. On the other hand, if you’re looking to add some workspace, you should get one with a tabletop as well. It’s a great place to keep everything from spices to steak knives. Get a trolley with just the shelves if kitchen storage is your primary focus. Why not create a mini island using a trolley? It’ll serve as a practical, space efficient feature in your kitchen, especially since you can move it around as you please. If you’re operating your way around a smaller kitchen, you might need some extra workspace or storage. Maybe you’re looking to add some extra workspace or storage? Or you want a nice unit for family and friends to gather around? No problem, there’s something here for everyone. We have a variety of options to make sure you can find whatever suits your needs. Prepping, cutting, cooking, storing, and even dining has never been easier. It offers a vast area of use and will act as your new multifunctional best friend. In a small space or an open-plan design, the perfect kitchen island will do wonders for any home chef. Just you, yourself, and your butcher’s block ready to tackle your next tasty masterpiece. With lots of room to move around and do your thing. But when it comes to kitchen islands, that’s exactly what you want to be: stand-alone. Sure, that probably had nothing to do with stand-alone kitchen units. No man is an island, said English poet John Donne. AROMATISK - A Diwali full of light, love and laughter. ![]() AFTONSPARV - Space-themed toys for intergalactic adventures.Cosy Home - The perfect feeling of snugness.Storage & organisation Furniture Textiles Kitchenware & tableware Kitchens Lighting Decoration Rugs, mats & flooring Beds & mattresses Baby & children Bathroom products Laundry & cleaning Home electronics Plants & plant pots Smart home Home improvement Outdoor living Food & beverages Christmas Shop Shop by room ![]() Senior moment movie12/18/2023 ![]() ![]() But screen writers Kurt Brungardt and Christopher Momenee make the journey entertaining, while director Giorgio Serafini runs the table in a crisp 92 minutes. You can fill in the rest of where they’ll wind up on your own. Along the way, he meets a free-spirited, age-appropriate baker (Smart) for whom he develops an uncharacteristic attraction. The rest of the film follows his efforts to regain both with the help of several friends. For him, that’s the equivalent of a gelding. Unfortunately, he does so once too often, costing him possession of his car and driver’s license. He drives rather sportily, if not recklessly, as part of his charm. Shatner is a former jet pilot, who chases skirts ardently, propping up his appeal with his Porsche convertible. ![]() Comments posted to may be reprinted in the Easy Reader print edition, which is published each Thursday.Mercifully, this script resists the temptations of schmaltz and gives us a relatively believable story, set in a California desert city, mainly full of retirees. Opening March 26 in select theaters and VOD. ![]() I don’t think there’s anything she can’t do and if you doubt it, watch HBO’s “Watchmen” or “Fargo” (the TV series) or any of the other television series that featured her. That she has found warmth and depth in such a shallow pool is simply amazing. Even with nothing original to say or do, she is riveting. Even in a movie such as this, he brings a breath of fresh air and sly humor to something stale.Īnd darn that Jean Smart! Her virtual presence in this clunker guarantees some eyeballs because she is always so very good no matter what the material. Jack Nicholson got an Oscar for his performance Shatner will not.Įsai Morales, for the few moments he’s in the film, makes you realize how under-utilized he is as an actor. The director and writers were doing him no favors in patterning his character after Jack Nicholson’s character in “Terms of Endearment.” Martin drives a sports car Martin is commitment-phobic Martin is a retired NASA pilot. It’s always fun to watch Shatner but he doesn’t bring anything to this role that he didn’t bring to his Priceline commercials. He does not, however, look 70, which is the age he’s chosen for his character. He’s actually 90 and really doesn’t look it. William Shatner plays William Shatner, although at an unrealistic age. Which brings us to the acting, especially since nothing good can be said about the writing or direction. Jean Smart is a client of William Morris Endeavor and without her there is no there there – the very definition of self-dealing.Įsai Morales and Jean Smart in “Senior Moment.” Photo courtesy of Screen Media Films. This film, co-produced by Endeavor Content, is one of the best examples I can think of why talent agencies should be out of the production business. You can fill in the blanks for what remains by answering the following questions: Will Martin get his car and license back? Will he get Caroline back? Will he grow up? Will they live happily ever after?Ĭlearly the film was able to get funding because of the stars attached – Jean Smart as Caroline, William Shatner as Martin, Christopher Lloyd as Martin’s best friend Sal, and Esai Morales as Caroline’s artist friend Diego. Martin’s possessiveness drives Caroline away and both are bereft. Smitten, Martin believes he has finally found the one Caroline feels the same way until…the green-eyed monster rears up and Martin spies Caroline with Diego, a prominent local artist. Enter Caroline, the proprietor of the local café and a supporter of ecological causes. Martin, who ridicules his friends and their senior citizen activities is now carless and purposeless. ![]() Arrested for reckless driving, both his license and his Porsche are taken from him. Never married, Martin is narcissistic to the ultimate degree and is convinced that the rules don’t apply to him. Seventy-something Victor Martin, retired test pilot, resides in Palm Springs and lives for his Porsche. “Senior Moment,” directed by Giorgio Serafini and written by first timers Kurt Brungardt and Christopher Momenee, is not a terrible movie, it’s just not a good one. ![]() Excel personal budget example12/18/2023 ![]() ![]() The bar chart is a representation of the monthly expenses by category. The chart makes it easy to interpret the income source with the largest and smallest shares. The Income pie chart reflects the share of each source of the income, which you receive. The Dashboards worksheet shows a summary of your personal budget in four different charts. This value is calculated both on a monthly and annual bases. Potential savings made by an individual are calculated by simple subtraction of the sum of the Total Savings Goal and the Total Expenses from the Total Income. It also helps with making better savings and expenditures decisions. The monthly analysis helps to obtain a projected image of the overall savings targets that individuals aim to achieve and the amounts they can potentially allocate towards their savings. The net value of the savings goal is calculated monthly, as well as on the basis of an aggregated annual amount of savings. The savings goal can be a single goal or a set of projected goals. The worksheet also includes a savings goal set for each month that one should aim to achieve through successful budgeting. There are various sources of income included by default in this template: ![]() The first worksheet is the personal budget worksheet that will hold the details of the possible sources of income, as well as amounts received through each of the sources. Home Budget - Our original selection of home budget worksheets.Start by downloading the template and recording into the spreadsheet your income, followed by expenses.Family Budget Planner A yearly budget planner, with the same categories as the household budget spreadsheet.Household Budget Spreadsheet (monthly) - More detailed and includes child expenses.Personal Budget Spreadsheet The 12-month version of the above spreadsheet.Money Manger - A more advanced budget management tool for Excel.After making a change, you should check the formulas to make sure they are still correct. If your Net is negative, that means you have overspent your monthly budget.Īdding or Removing categories: You need to be careful when adding or removing categories, to avoid messing up the formulas used for calculating the totals. The Monthly Budget Summary table in the upper right of the worksheet totals up all your income and expenses and calculates your Net as Income minus Expenses. So, if you spend more than you budgeted for, the value in the Difference column will be red - to help it stand out as a warning. The spreadsheet uses the accounting format where negative numbers are in parenthesis like (115.00), and conditional formatting is used to make the negative numbers red - red means bad in this case. The calculations in the "Difference" column are set up so that negative numbers are bad. Using the Personal Monthly Budget Template See our articles Make a Budget and 5 Basic Budgeting Tips if you are just getting started or new to budgeting. At the end of the month, you record in the "Actual" column how much you really spent during the month.įor a more detailed set of budget categories, see the Household Budget worksheet. This represents your goal - you're trying to keep from spending more than this amount. You record your desired budget for each category in the "Budget" column. ![]() The purpose of this type of budget worksheet is to compare your monthly budget with your actual income and expenses. Some numbers are included in the Home Expenses category as an example, but you'll want to replace those numbers with your own. To use this template, just fill in numbers that are highlighted with a light-blue background (the Budget and Actual columns). ![]() Viber out rates from usa12/18/2023 ![]() ![]() Nimbuzz offers calling rates to US starting at 48 paisa per minute. The process is similar: add Nimbuzz credits to your account by purchasing them using a credit card or PayPal. Nimbuzz offers a service called NimbuzzOut for international calls. A 2 hour call duration fair usage policy applies to unlimited packs. You can check rates on You can also get 60/120 minute or unlimited calls per month subscription packs. After credits are added in your account, you can call over 40 countries with US calls starting at Rs 1.39 per minute. Credits can be purchased online for as low as $5 using a credit card. To call international numbers (landline or mobile), you need to purchase Skype Credits. For instance, they offer a 30-day worldwide unlimited (with a fair usage policy) plan which includes calls to 57 countries for just US$14.99. FooCall’s speciality is special package deals. You can check call rates to any country from within the app - calls to USA are 90 paise per minute while calls to Singapore range from 90 paise to Rs 1.20 per minute. Once you download the app and sign up, they give you $0.30 for free towards your first call. To keep talking, make another call.įooCall’s app is available for Android, iOS and Windows Phone. So if you have family/friends in Australia, Brunei, Canada, China, Cyprus, Denmark, France, Germany, Greece, Hong Kong, Hungary, Ireland, Israel, Italy, New Zealand, Poland, Puerto Rico, Singapore, South Korea, Spain, Sweden, Taiwan, UK, USA or Venezuela - you pay Rs 9.03 per call. Now the special offering here is called VykeZone: this is a set of destinations where they charge a fixed amount per call (60 minutes per call). Calls to both US and Singapore are Rs 1.02 per minute. New users get 50% extra credit by entering the code BONUS50 (this is valid only for the first top up, when buying credits on – not through the app). Vyke is available to download on Android, iOS (including iPad), BlackBerry and on a Windows PC. It works over 3G or WiFi plus there’s a voicemail service built in for the times when you can’t accept calls. You can also choose to invite some of your contacts to TruPhone - if they download the app and register, you can make a free call to them within minutes. The call rates are displayed within the app itself. ![]() ![]() To call other numbers, you can purchase credit from within the app in multiples of US$ 3, 5, 10 or 20. The app automatically shows you which of your contacts are already on TruPhone so that you can call them directly. After a quick registration and phone verification, you can start making free calls and sending free texts to other TruPhone users. The free TruPhone app is available for Android, iOS and BlackBerry. To call Singapore, it costs Rs 1.14 per minute with credit, 76 paise with Big Saver & 54 paise with Max Saver. So, for calls to the US, you pay 90 paise per minute with credit, 54 paise with Big Saver & 30 paise with Max Saver. Rates vary depending on whether to go for the flexible RebTel credit (1 year validity) or the Big Saver (100 minutes) and Max Saver (1,000 minutes) packs: saver packs have a 30-day validity & minutes don’t carry over. If your phone is not supported (or if you’re on a feature phone), you can call abroad using a local access number (you will pay some additional amount to your phone company for the local call). RebTel has free apps for Android, iOS (including iPad) and Windows Phone. ![]() AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |