#auto-saver program

[worksmarter4yourfuture]

A fun way to save for your future and build wealth at the same time - Unboxing and reviewing the American Silver Eagle State Series Monthly Auto-saver program.  Nevada State Series Label - American Silver Eagle graded an NGC MS70 - perfectly graded - limited issue of 7,777 https://youtu.be/yAfvTsUsozw

[nykloss]

If you don't believe in just how unethical these AI generators are, it was recently discovered that a lot of them use a dataset that includes PEOPLE'S ACTUAL MEDICAL RECORDS AND PICTURES (As well as, you know, lots and lots of stolen images from similar sources) These generation tools do not discriminate on the kinds of data they take in. And of course, that means they can be used to create some really heinous stuff. If you guys thought deepfakes were scary, this has the potential to be much worse.

If i see ppl reblog the latest trendy ai anime app shit on my dash that is an unfollow for me.

[smequa]

Why Using Buccal Training For Epilepsy Is Important?

Understanding Care Mandatory Training

Understanding care training requirements in the UK is essential for all domiciliary carers. Statutory and mandatory courses cover key subjects to ensure staff members and clients remain safe.

Health and safety training courses cover crucial protocols like risk evaluation, manual handling, fire safety, safeguarding training for care workers to detect abuse as well as local reporting procedures, medication administration training is also a necessity for domiciliary care providers.

Online buccal training for epilepsy wrap training

Buccal training for epilepsy  (epilepsy medication administration training) assists healthcare professionals and caregivers to provide effective and safe care to individuals experiencing seizures. The training offers valuable skills that can reduce anxiety and stress as well as enhance quality of life for people living with epilepsy.

Effective training also ensures that care workers and nurses know the correct method of administering buccal midazolam to those experiencing seizures, as incorrect administration can cause it not to be absorbed effectively leading to ineffective or delayed seizure treatment. Individuals with expectations to know about wrap training and other details can feel free to visit here.

As it can be challenging to teach how to administer buccal midazolam successfully without human volunteers, this handheld airway trainer makes training simple and straightforward. With its adjustable jaw, teeth, and tongue features, this device serves as an effective demonstration for how to administer drug therapy into cheek during seizure attacks or other emergency situations.

Paediatric first aid online

Paediatric first aid online training is essential for anyone working with children or infants, including nurses, nannies, au pairs, teachers and parents. This course can save lives when injuries such as choking or cardiac arrest occur and will benefit any profession working directly with children - such as teachers. This course may also benefit their own parents!

This online care mandatory training course covers first aid and CPR for infants and children, as well as using an adrenaline auto-injector in case of an allergic reaction. This course is perfect for teachers, childcare providers, camp counselors, school bus drivers and foster parents. Certification lasts for two years and fulfills OSHA regulations.

CPR AED for the child & infant

CPR and AED training is essential for all care workers, particularly when caring for infants who are more prone to sudden cardiac arrest (SCA). According to the pediatric Chain of Survival guidelines, high-quality CPR should begin immediately rather than waiting until either there is a pulse found or breathing resumes.

Before commencing CPR, ensure the area is free of obstructions and dry. Remove any bulky clothing, place the infant on their back, tap their back several times while speaking loudly to see if they respond; if not, call 911/EMS immediately for assistance.

The Heart saver Pediatric First Aid CPR AED course equips participants to recognize and care for illnesses or injuries in children and infants until professional assistance arrives. Based on current resuscitation science and guidance from the American Heart Association, this course also features hands-on skills sessions as well as teaching how to use an AED.

Adult & paediatric first aid

Care workers must complete mandatory training. This may include courses to teach them how to care for elderly individuals as well as how to treat children and infants properly.

These courses cover topics such as first aid, basic life support and infection control for carers. Furthermore, these training programs aim to teach them about providing dignity-in-care while honoring the privacy of those they are caring for.

Paediatric first aid courses are often required for individuals working in industries related to children in the UK, such as nursery staff, child-minders and teachers. Paediatric first aid differs from standard first aid in that its focus lies on treating injuries and illnesses that affect infants and children - such as febrile convulsions, head injuries or choking incidents in young children.

[malinastharlock]

Let be friends

Sure, that'll be 5000$* for the first session and 7500$* for every session after that, unless you purchase or super saver friendship program. Then it's just 60,000$* a year and that a savings of 30,000$ you'd be crazy to pass that up. Now that is the most basic of our friendship program. If you would like something more we do offer other types of friendship. We have the friends with benefits, that'll run ya 250,000$* a year, we got the distant friends who try to talk at least once a year that'll be 45,000$*. We have the let's just be friends package at 60$ cheapest and best parting package but also only a one time thing because after that you get messages like yeah, umhum, and cool as auto responses. We have the friendship is magic package and that includes a trip to Disney World and a dirty lap dance in a cheap seedy motel, ignore the tub full of ice. That package will run ya 500,000$* thank you for your interest in The Stharlock Pirates' Friendship Enrichment Program Extravaganza with Cheese . We hope you choose the program that's right for you. 😘

*does not include additional fees

[integscloud]

Oracle NetSuite’s Latest EPM and Analytics AI Upgrades 

Oracle NetSuite has once again raised the bar with its latest AI-powered updates. Unveiled at SuiteWorld 2024 in Las Vegas, these innovations promise to revolutionize enterprise performance management (EPM) and analytics, helping businesses streamline processes, boost productivity, and make more informed decisions. With Integs Cloud, your trusted Oracle NetSuite partner, you can fully leverage these advancements to propel your business forward.

 AI Takes Enterprise Performance Management to the Next Level 

Finance teams are the backbone of any organization, but they often find themselves bogged down by labor-intensive processes like data collection, reporting, and financial forecasting. NetSuite’s latest AI-powered updates are designed to transform these functions, freeing up valuable time for finance professionals to focus on strategic initiatives.

Here’s a quick overview of some exciting features: 

Generative AI for Narrative Reporting: Imagine AI writing financial reports for you! This feature automatically creates narratives, visualizations, and explanations from financial data. It’s like having an AI-powered assistant who can quickly summarize data trends, helping you understand what’s happening without spending hours manually compiling reports.

AI-Driven Forecasting: Predictive models now allow you to forecast with greater accuracy. NetSuite’s AI not only generates forecasts but explains the factors driving these predictions. This transparency makes it easier to trust the data and act on it confidently.

AI Digital Assistant: NetSuite’s new digital assistant makes it possible to interact with your data using simple language. Just ask questions about performance or trends, and the AI will generate reports and visual insights on the spot, making complex analysis feel more intuitive.

AI-Enhanced Analytics: A Game Changer for Business Insights   

But the AI magic doesn’t stop at finance. The updates also extend to NetSuite Analytics Warehouse, the only pre-built cloud data warehouse specifically for NetSuite. It comes packed with advanced analytics features that allow businesses to gain valuable insights without the need for coding or data science expertise.

Here’s what’s new: 

Auto-Insights: This feature automatically generates visual data insights and reports based on your datasets. It’s a massive time-saver for businesses that need to quickly identify trends or performance gaps. No more waiting on data experts to run reports—NetSuite’s AI takes care of it.

AI Assistant: The Oracle NetSuite Analytics AI Assistant brings the power of AI to your fingertips. With simple, conversational queries, you can access complex insights without writing a single line of code. For example, you can ask, “Which product category is driving the most revenue this quarter?” and instantly get a visual breakdown.

No-Code AI Models: You don’t need an advanced degree in data science to use these features. NetSuite Analytics Warehouse offers pre-built AI models that can predict important business scenarios, such as customer churn or inventory shortages, without the need for complex programming.

Real-World Impact: How Companies Are Benefiting   

The benefits of NetSuite’s AI-powered updates aren’t just theoretical—businesses are already experiencing real improvements. Take BirdRock Home, for example, which is already benefiting from NetSuite’s amazing analytical tools enhanced with AI. These tools have helped them better predict customer demand, refine product strategies, and significantly increase revenue by improving customer retention.

For businesses looking to compete in today’s global market, having quick access to actionable insights can be the difference between success and stagnation. With these updates, NetSuite is ensuring that companies—regardless of size—can harness the power of AI to drive growth.

What Do These AI Advancements Mean for Your Business? 

The AI innovations in both NetSuite EPM and Analytics Warehouse have the potential to significantly enhance productivity and business outcomes. Here’s how your business can benefit:

Faster Decision-Making: AI-powered tools such as generative narratives and Auto-Insights drastically reduce the time spent analyzing data, allowing teams to make quicker, smarter decisions.

Improved Forecast Accuracy: Predictive forecasting and AI-driven explanations ensure that your business is always one step ahead, enabling you to anticipate trends and capitalize on new growth opportunities.

Increased Efficiency: Automating labor-intensive tasks such as reporting, budgeting, and forecasting gives finance and operations teams more time to focus on value-added activities like strategic planning and customer engagement.

Enhanced Collaboration: With AI tools providing real-time insights and automated reports, teams can collaborate more effectively, ensuring everyone is aligned and working towards the same goals.

The Future of Business Management is Here

With the digital world evolving, businesses must adapt and leverage data effectively. With the new AI updates from NetSuite, organizations can better predict trends, streamline financial processes, and make faster, more informed decisions.

Whether you’re aiming to optimize your financial reporting or tap into advanced analytics without hiring a data science team, NetSuite has positioned itself as the go-to solution for businesses looking to stay ahead of the curve.

Ready to learn more? Contact Integs Cloud today and discover how NetSuite’s AI innovations can transform your business into a future-proof, data-driven powerhouse.

[pearlcorp]

Tire Protection Plan

The number one cause of roadside breakdown is a flat tire. Eliminate the inconvenience, expense and stress of a flat tire. Our Auto Service package covers the tow (or spare tire installation) and the repair, or replacement of tires damaged due to road hazards. Our reimbursement program is fast, convenient and a money saver.

PEARL : The ultimate protection for your journeys

We try to avoid life’s minor mishaps, but they inevitably occur. Tire breakdowns on the road can be frustrating and costly, and can significantly impact your budget.

PEARL’s tire protection plan safeguards your wallet and assets, but most importantly, it protects you. In the event of a flat tire, the tire protection plan includes:

Emergency roadside assistance for flat tires

Reliable towing

Protection against unexpected costs and inconveniences

Replacement or repair of damaged tires at any time during the contract term

No depreciation fees on replacement tires

[productiveandfree]

Smart Spending: Making Payments Fit Your Budget

In today's fast-paced world, managing finances effectively has never been more crucial. This blog aims to provide savvy savers and financial planners with practical tips on making payments fit within their budget. From understanding your financial habits to exploring various payment options, we'll cover everything you need to know to make smart spending decisions. Whether you're eyeing a new gadget or considering used auto loans in Salt Lake City, these insights will help you spend wisely without straining your wallet.

The Importance of Smart Spending

Understanding Your Financial Habits

Before you can manage your finances effectively, it's essential to understand your spending habits. Track your expenses for a month to see where your money is going. Are you spending too much on non-essentials? Identifying these patterns will help you make informed decisions about where to cut back.

Setting Financial Goals

Having clear financial goals is key to smart spending. Whether you're saving for a vacation, a new car, or just want to build an emergency fund, setting specific, measurable, achievable, relevant, and time-bound (SMART) goals will keep you motivated.

Budgeting Basics

Creating a budget is the foundation of smart spending. List all your income sources and expenses to get a clear picture of your financial situation. Allocate funds for necessities like rent, groceries, and bills first, then divide the remaining amount for savings and discretionary spending.

Exploring Payment Options

Credit Cards

Credit cards offer convenience but can also lead to debt if not managed properly. Choose a card with low interest rates and rewards that match your spending habits. Always pay off the full balance each month to avoid interest charges.

Debit Cards

Using a debit card is a great way to control spending since it directly deducts from your bank account. It helps you stick to your budget and avoid accumulating debt.

Installment Plans

Some retailers offer installment plans that allow you to spread the cost of a purchase over several months. While this can make expensive items more affordable, be cautious of interest rates and fees.

Saving Strategies

Automatic Savings

Set up an automatic transfer from your checking account to your savings account each month. This ensures you're consistently saving without having to think about it.

High-Yield Savings Accounts

Consider opening a high-yield savings account to earn more interest on your savings. These accounts typically offer higher interest rates than traditional savings accounts.

Cashback and Rewards

Take advantage of cashback and rewards programs offered by credit cards and retailers. These can provide significant savings on everyday purchases.

Making Big Purchases

Timing Your Purchases

Timing can make a big difference when making large purchases. Look for sales, discounts, and special promotions. For instance, buying electronics during Black Friday can save you a substantial amount.

Used Auto Loans

If you're in the market for a car, consider used auto loans in Salt Lake City. Used cars are often more affordable than new ones, and with a good loan, you can make the purchase without straining your budget.

Negotiating Deals

Don't be afraid to negotiate prices. Whether you're buying a car, furniture, or electronics, a little haggling can go a long way in reducing the final price.

Avoiding Common Pitfalls

Impulse Buying

Impulse buying can quickly derail your budget. Plan your purchases and stick to your shopping list to avoid unnecessary expenses.

Over-Reliance on Credit

While credit can be useful, relying too much on it can lead to debt. Use credit wisely and pay off balances promptly to maintain healthy finances.

Ignoring Small Expenses

Small expenses can add up over time. Keep an eye on minor purchases like coffee, snacks, and subscriptions to ensure they don't eat into your budget.

Utilizing Technology

Budgeting Apps

Budgeting apps like Mint and YNAB can help you manage your finances efficiently. They track your spending, alert you to upcoming bills, and even provide insights into your financial habits.

Financial Planning Tools

Tools like Personal Capital offer comprehensive financial planning, helping you manage investments, retirement funds, and everyday expenses all in one place.

Online Marketplaces

Online marketplaces like eBay and Craigslist can save you money on purchases. You can find great deals on everything from clothing to electronics, often for a fraction of retail prices.

Building Financial Literacy

Educating Yourself

Knowledge is power. Read books, attend workshops, and take online courses on financial management to improve your financial literacy.

Seeking Professional Advice

Sometimes, it's best to consult a financial advisor. They can provide personalized advice tailored to your financial situation and help you create a long-term plan.

Joining Financial Communities

Join online forums and local groups focused on financial management. Sharing experiences and tips with others can provide valuable insights and support.

Conclusion

Smart spending is not about depriving yourself but about making informed decisions that align with your financial goals. By understanding your habits, exploring payment options, and utilizing technology, you can make your budget work for you. Ready to take the next step? Sign up for our newsletter to receive more tips and advice on managing your finances effectively.

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Share in the comments below: Questions go here

[masterlocksmithbakersfield]

Locksmith In Bakersfield professionals for quality locksmith services

Need emergency locksmith services in Bakersfield? You are at the right place as from here, you will get to know about amazing service provider, who will reach you on time.

Consider the very same company as it can help you with gain access to your car or property no matter what the time is. Also, if you are seeking for lock and keys replacement as well as programming car keys, fixing broken locks and everything else, these professionals cover all. Here, we are talking about Masterlocksmithbakersfield, which is serving people for years and offering great services. No matter what kind of tasks you want them to accomplish, Locksmith In Bakersfield professionals are the best offering you great services. Also, they work 24/7, you will get instant help, regardless to the time, your requirements and weather conditions.

Mobile Locksmith for your car access help Consider the professionals and they will never disappoint you. These professionals are known for offering a full range of auto locksmith services, so whatever you want, they will quickly offer you the same. Whether your car is near your home or you are stuck in the middle of nowhere, these professionals can help you in no time. They are here to help you with any car or van key issues 24/7 or if you want any other thing, they will be available at your service.

For your locks and keys requirements, all you need to call the car locksmiths and they are ready to help you at any time, no matter what kind of problem you have. As these experts serve up to 90% of automotive brands, they will never find any kind of issues in fixing your requirements. For gaining access, calling these professionals will be a great time saver and you will get a complete peace of mind.

Enjoy working with professional, trusted company Mobile Locksmith Bakersfield professionals are always the best and working with them means a lot of fun. They actually make process easier than you think, which results no fuss and you will get only great experience. These professionals never fail in providing great service and customer support, and that is what you definitely want.

The suggested source is one of the pioneers for offering great locksmith services and if you want anything from vehicle protection to the quick access in your property, they can solve all your queries. Also, if you are seeking for installing new locks and want to change everything with the latest one, connecting with these professionals will be the best idea. So, what are you waiting for? If you are seeking for quality and amazing locksmith services, the suggested source will give you great help. Start discussing on your project and you will find ultimate response from the experts. Try them up and you will find great support without worrying about anything.

Searching for the best solutions on Locksmith In Bakersfield can be easier for you, if you check up all the posts and reference website provided by the author. Must follow and grab great ideas.

[govindhtech]

DisplayFusion Expert Multi-Monitor Control

DisplayFusion by Binary Fortress Software is the program for you if you have many displays or just one ultra wide monitor and you want greater control over your MSI monitors! View customer testimonials for DisplayFusion.

With all of the capabilities that DisplayFusion offers, you can maximize the use of your monitor arrangement and increase your productivity like never before.

Principal Features of DisplayFusion

There are several helpful features in DisplayFusion that will make your life simpler. To get you started, check out some of the best features below!

Monitor division

Do you have an NVIDIA Surround/AMD Eyefinity setup or a wonderful ultra-wide monitor like MSI’s Optix MEG 342C QD-OLED? You may divide your screens into many “virtual” monitors, each with its own Taskbar, Wallpaper, and Screen Saver. This is known as monitor splitting. This eliminates the need to turn off the Surround/Eyefinity group in order to use multi-monitor windowing on a single monitor or on a group of monitors.

Your many monitors are completely supported by DisplayFusion’s Multi-Monitor Wallpaper function, which frees you from the limitations of the built-in Windows wallpaper manager. Span one picture over some displays while using different images on others, load and adjust several images on each monitor, or use a single image across all monitors. To keep your desktop appearing new every day, DisplayFusion can load wallpapers from over 25 different internet wallpaper suppliers.

You may change each monitor’s resolution, refresh rate, orientation, and location using DisplayFusion’s Monitor Configuration function. Even better, you can store your preferences as Monitor Profiles that you can later load by pressing a certain key combination or the TitleBar Button. To have your desktop wallpaper automatically load depending on the connected displays, link a wallpaper profile to your monitor profile. For broadcasters and gamers who constantly swap between display arrangements, this functionality is fantastic!

Window Features

Over 30 pre-configured Functions are included with DisplayFusion, but you can also build your own robust custom Functions. Create functions to switch between DisplayFusion features, move windows around, modify window opacity, load wallpaper or monitor profiles, and more. Want more choices? Use the Scripted Functions in DisplayFusion to script whatever you can think of. To write your own unique scripts inside of DisplayFusion, use C# or VB.net. anything from basic window movement scripts to more complicated ones.

Triggers

You may listen for events like window creation, window focus, desktop unlock, system idle, and more using DisplayFusion’s Triggers feature. Then, you may alter that window or do whatever else you can think of by running pre-programmed functions or custom scripts.

Taskbars for several monitors

Add a taskbar to each of your displays to keep your windows simply organized. Each monitor’s taskbar may be set up to display all windows or only those on that particular monitor. The whole system tray is included in the DisplayFusion taskbar, unlike the default taskbars for multi-monitor Windows systems. Compared to the Windows multi-monitor taskbar, it also gives you more customization options for the taskbar. To make working with your program windows easier, use button grouping, auto-hide, window previews, personalized shortcuts (pinned apps), and more.

For those who want an orderly desktop, the Window Position Profiles feature is a fantastic option. You may arrange your desktop windows as you wish, store the configuration as a Window Position Profile, and then load it whenever you use those windows. Use a key combination, the TitleBar Button, or the DisplayFusion system tray menu to quickly load a window position profile. Even better, you may link a window position profile to a monitor profile so that when the layout of your monitor changes, DisplayFusion will reorganize your desktop windows according to a predetermined configuration.

[worksmarter4yourfuture]

The Best Father's Day And Graduation Gift Ideas

Create a memory for Dad that will last a lifetime - a gift of Silver or Gold!  Give your new Graduate a gift that will start their new journey in life in the right direction 😊  For unique silver and gold collectibles, bullion, jewelry and a monthly auto-saver membership https://www.7kmetals.com/rickf

[wholesalerelite]

All Digital Electronic Charging Industry recognized with the 2010 IBEX Innovation Award, ProNauticP employs our ProMar Digital Performance Charging Platform which combines all digital control and software-based power conversion technology with global energy management features. ProNauticP addresses the trend of incorporating and using more 12-volt electronics on-board today's power, sail, cruising and sport fishing boats. Boasting twelve digitally-controlled performance charging profiles with finger tip selection, ProNauticP fully charges, conditions, maintains and re-conditions batteries while extending battery life and maximizing battery reserve power performance. ProNauticP is Power Factor Corrected with auto-ranging global AC input allowing all models to operate off a standard household power connection. Featuring dual digital displays for real-time display of actual charging voltage and amperage and AC power-on diagnostics with pass or fail status in addition to discreet fault indication for mis-wiring or adverse battery bank conditions. Designed to provide more time on the water enjoying what you like most... boating.

ProMar Digital Performance Charging

ProMar Digital Charging Performance - 12 Selectable Profiles Up to 12 performance & precision 4-stage charging profiles: Charge, Condition, Maintain and Re-condition. Automatic dockside power mode for 12 Volt DC lighting and appliances. Factory set for Flooded (Lead Acid) batteries. AGM, GEL selectable.

Power Factor Correction - Global AC Input Auto-ranging (100-250VAC/50-60Hz) global AC input with reduced harmonic distortion allowing all models to operate off a household power outlet connection. ProNauticP consumes less power so more AC power is available on board.

Distributed On Demand Technology Automatically senses and distributes 100% of available charging amps to any one bank or combination of all banks.

Digital Self-Calculating Absorption and Battery Health Re-Conditioning Mode Automatically programs conditioning time based on discharge state of batteries. Automatically de-sulfates batteries after 21 days in the maintain mode, improving reserve power performance & extending battery life.

Conservation Energy Saver Mode After 72 hours of not seeing a load greater than 5 amps, float voltage will be lowered consuming less energy during storage periods. (for flooded & sealed charge profiles)

Service and Fault Mode LED Indicators Real time indication of wiring faults or adverse conditions that may impact the operation of a boat's charging system.

Automatic Fan Speed Control Quiet operation. Innovative front exhaust prevents restriction of air flow and cooling.

Automatic Temperature Compensation and Built-in Safety Remote temperature probe included - Ignition protected and current limiting. Designed and constructed to: Marine ULc 1236, CE, CTick and FCC Class B.

[queer-100-days-of-code]

Day 29: Some more Tkinter!

Today, I used even more Tkinter to make a password saver! It will let you make a username and password for any website, and then save it locally. Some people prefer this over saving their password on the cloud somewhere, some don’t. To each their own! I was also able to get the program to auto-populate the email I use most (hence why no pic today :) ), and I was able to use the password generator from day 5 (throwback!) to generate a random 10-digit passcode, if you couldn’t think of one yourself. I was also able to code pop-ups which would flag any errors and confirm that the information had been saved successfully, improving the user interface.

See you tomorrow! :))

[anantradingpvtltd]

Price: [price_with_discount] (as of [price_update_date] - Details) [ad_1] From the manufacturer Your favourite shows in your space Effortless entertainment with a simple Wi-Fi connection. Easily enjoy your favourite streaming apps in real 4K HDR, often difficult to experience on a PC environment. Samsung TV Plus offers free live content with no downloads or sign-ups and personalized content recommendations from Universal Guide. Flex your favorite color Brighten up your space with your favourite hues. Smart Monitor provides a pop of your favourite colour to lighten any room design instantly. Choose from white, pink, blue or green and make your space authentically you. Perfectly framed for every call Look your best for every call. The Smart Monitor SlimFit Camera is optimally equipped to create the best angle for your video meetings. When moving about the frame, Face Tracking automatically centres you on screen while Auto Zoom focuses in, ensuring your chat participants can see you clearly. PC-less productivity Experience PC-less. Browse the web, edit documents and work on projects, all without the need for a separate PC. With the new Work mode, you can also remotely access another PC, use Microsoft 365 programs and even connect to Samsung mobile devices with Samsung DeX for seamless working. Perfect precision brings details to life Pictures with precision. UHD resolution ensures every piece of content is brought to life beautifully. HDR 10+ support with a billion colours and sRGB 99% creates brighter and darker scenes for more nuanced settings without losing any vivid detail, so you can enjoy content exactly as it was intended. 1 Billion colors with HDR10+: Enjoy any content in stunning color accuracy and detail. With a wide range of colors, near limitless hues and HDR10+, which makes dark colors darker and the brightest colors even brighter, every piece of content becomes a joy to look at and can be experienced exactly as the creator intended. Connectivity: Wireless Display, Micro HDMI, USB Ports, USB-C, WiFi, Bluetooth Game Mode - Optimally adjusts black gamma levels, contrast, sharpness, and color for any game genre. 3 Years Warranty From Manufacturer || Eye Saver Mode + Flicker Free - Flicker Free technology continuously removes tiring and irritating screen flicker so you can focus longer with less distraction or eye strain. [ad_2]

[blackmagicspecialist786-blog]

For Freelancers, New Federal Help in Saving for Retirement

Nontraditional workers are able to be a part of an I.R.A. on their own, and also set up automatic transfers from their bank accounts. (They are eligible for the Saver's Credit in the event that they are eligible.) People are more likely to save money if retirement contributions are automatic, according to David Certner, legislative counsel for AARP. Even if they start with one hundred dollars every time they are able, "it's just good to get started," said Spencer Betts, a certified financial planner from Lexington, Mass. A few Secure 2.0 Act changes that could benefit workers who aren't traditional start this year. SEP I.R.A.s is short to mean Simplified Employer Pension Plan that are typically used by people who are self-employed since contribution limits are greater they can permit workers who are self-employed to contribute Roth contributions as well, Brenner said. Brenner said. But I.R.A. providers will require time to set up their programs to allow an Roth choice, the spokesperson explained that's why savers might require patience. ( Solo 401(k)s is a retirement savings alternative for people who work for themselves, currently permit Roth the option of contributing.) In addition, states are increasingly offering href="https://www.pewtrusts.org/en/research-and-analysis/articles/2022/01/18/pennsylvania-and-hawaii-consider-auto-ira-saving-opportunities-for-private-sector-workers" titles ="">I.R.A. programs for workers of the traditional workforce who aren't eligible to retire through their employers. Some programs, such as Oregon's, are accessible to self-employed workers. Here are some frequently asked questions and answers on saving to retire as gig workers: What can I contribute to an old-fashioned or Roth I.R.A. ? In the year 2022's tax year you can make a contribution of at least $6,000 ($7,000 for those who are older than 50). In 2023, the limits rise by $500 up to $7,500 and $6,500. (But you're generally not eligible to make a contribution to the Roth or the tax deduction of making a contribution to an regular I.R.A., if you exceed certain income thresholds.) The I.R.S. provides more information. Who is eligible for Savings' Credit? The credit is not widely known and lets taxpayers recoup some of their retirement savings to reduce their tax burden. The amount and eligibility of your credit are contingent upon your earnings, filing status, and what amount you paid for your retirement contributions. The credit can be at a maximum of $1000 for single filers and $2,000 to joint filers. In the tax year 2022 those who file as a single taxpayer with a incomes of less than $34,000 are qualified ($36,500 in 2023). Couples who are married filing joint tax returns with a household income of $68,000 or less are eligible for the year 2022 ($73,000 by 2023). Can I make use of an account for health savings as a way to invest for my future retirement? Yes. A lot of self-employed individuals have health insurance plans with high deductibles that can be used in conjunction with tax-free healthcare savings account or H.S.A.s. These funds can be used to pay for immediate medical expenses or invested and saved for the for a longer time. Contributions are tax-deductible and will grow tax-free. The money is exempt from federal tax as well as state tax in certain states when it is used to cover medical expenses. When you reach the age of 65, there is no tax penalty to spend the funds on items that aren't health-related however, the money is assessed as income. Read the full article

[likeawildthing]

Not to be morbid on main, but everyone dies and people are rarely prepared for it. It’s so much easier when you know your loved one’s wishes. So even if you’re a teenager or twenty-three and healthy, I hope this helps you start thinking about end-of-life wishes, because it can happen to us all (both the dying and, rudely, being died upon).

Cremations are an affordable way to subvert the funeral industry, but going this route puts the burden of “the little things” on the family. I’ve learned a lot in the last 36 hours and wanted to pass those things that weren’t on any checklists, because the burden is on you to navigate the process.

Putting this under a cut because it’s so long (although not comprehensive). Obviously some of this is altered because COVID and some is meant to be applicable in some distant, theoretical future when we can go out to lunch again.

Before you die

Think about it, talk about it, write it down

Think about what kind of rememberance you want, if any. If it doesn’t matter, tell people that so they don’t fret about it and grieve in whatever way works best for them.

Communicate now to save your family and friends angst later.

Build an “in case of death” binder, zip drive, google doc with links, etc. Make sure your passwords are up to date so that’s not an administrative nightmare for your loved ones.

Advanced directives. Here’s a great article explaining the types of medical advanced directives and decisions to make before an accident or illness happens, including whether you want to donate your organs.

We lost grandma for about twenty minutes yesteday because we couldn’t find the paperwork and grandpa couldn’t remember where they signed up for services. Death. Binder. Have a death binder/folder/zip drive so no one loses grandma.

Insurance. 

You likely have insurance through work, so consider that. It will also expire if you leave your job.

You can usually get, with minimal fuss, a 10- or 20-year term policy with enough to cover your arrangements and debts for less than $20 a month. Death expenses are anywhere from $5-$20k, conservatively. 

Talk to your auto insurance agent and score a multi-line discount.

Body snatchers. 

If you want to be cremated, talk to a local crematory beforehand and give them your basic information. It can be paid out of your estate (i.e. by your family or a life insurance policy) when it happens. 

Most funeral homes (I believe) require pre-payment. It’s super morbid but there are TONS of heavily discounted grave sites for sale on Craigslist if that’s the route you want to go. 

Here’s a list of certified green burial sites in the US.

Donating your body to science 101.

Memorial service. 

The idea of a “proper” funeral is more or less out the window, especially in the time of COVID. Celebration of life? Religious ceremony (or not)? A picnic at your favorite park? Anything goes, so figure it out now. 

When my sister-in-law died, we had a celebration of life at a non-profit who donated the space and had a poker tournament with her ash tin (she lost). 

Whether you have strong or no preferences, write that down to guide decision-making. 

Memorials. 

Traditionally people would donate money in the event of a death to a charity, foundation, or family account, or flowers to a funeral home or church.

 Family accounts (like for children) are traditionally done in care of the deceased’s bank but online fundraisers are a thing. 

If you have a particular charity you love, add this to your list of wishes.

Food. 

Before COVID it was pretty typical for there to be some kind of meal after a funeral. Will this be a restaurant? 

This is ultimately up to the family but if you have strong preferences (i.e. no church or Italian food), tell people now.

Obituary. 

Writing down the basic facts of your life, hobbies, and accomplishments you want included in your obituary means your family doesn’t have to do a guessing game. 

Plants, animals, stuff, etc.

Do you want your clothes to go to a specific charity? 

Do you NOT want your stuff to go to a specific charity? (Goodwill is terrible!)

Who will get your car (person, donate, sell)? Want to have your record collection to go one sister? Obviously family will divvy up stuff how they like, but write down any special considerations.

Have a plan for your pets (insurance, vet info, guardianship).

Please organize and digitize your photos if they aren’t already.

If you lose someone close:

Identify the primary griever

Support that person/those people by providing feedback when solicited, running errands as needed, and running interference so they aren’t inundated with all the little things.

Notifying people

Use the phone tree method. Great Aunt M will be happy to help by calling your cousins. Your boss, coworkers and HR. Your mom’s best friend/your adoptive aunt, your mom’s bunco group. 

Ask that family not put anything on social media until the principal people are informed. I found out my grandpa died on facebook!

Esp these days, set boundaries for visits (who, where, and in what capacity).

Designate one person to be the primary contact for extended family to keep the burden off the primary griever(s). 

Give this persons’ information when the first phone calls are made. It also makes sense for this person to be the travel coordinator. 

This person should have a good handle on family dynamics (i.e. my aunt is flying in and would drive my grandma nuts so she’s staying with Mom). 

This should be their only task because it’s time consuming.

Food

When people die, people gather, even in the time of COVID. Be responsible but expect a ton of drop by food. Clean out the primary griever’s fridge in anticipaton.

Organization

Start a shared family Google doc or sheet. Consolidate to do lists, anecdotes, important contact information, questions and inquiries, etc. 

Pay to have the houses of anyone hosting (gatherings, people coming in from out of town, etc.) cleaned. Or, delegate. This can be an act of service for someone who wants to help and doesn’t mind doing the work. 

Find the death binder (hopefully), legal documentation, etc. Get a folder or binder for papers if one doesn’t exist. And start a shared google doc for loved ones to track everything.

Delegate

I know I have said this three times, but it’s important. If you’re a primary decision maker do not be the primary do-er. My mom is the primary decision maker so my sisters and I are doing literally everything else. 

Say YES when people ask if they can help you. Look at your running list of to-dos and say yes.

Pay to have the houses of people who are hosting cleaned. It will seriously be such a life saver, or this can be an act of service for someone who wants to help.

Social media

You will need to decide what to do with a person’s social media. Do you start a tribute page? Turn their facebook (if they’re old) into a tribute page for a time? Indefinitely? Things to think about. 

Thank yous

Keep a running list of people to thank after via hand-written thank you notes. The link includes guidelines on 

who should receive a thank you note (gave flowers, brought food, made donations, helped with arrangements or the service(s), did readings, or went well out of their way to warm your heart or show up)

when to send them (ideally 2-3 weeks after the funeral)

here’s how to write them (it doesn’t matter if you buy fancy, ones or dollar store ones, make sure they’re hand written).

Receipts. 

Don’t be the petty biatch your cousins hate, but do save significant receipts to be reimbursed by the estate. (I.e. catering hundreds of dollars of food, paying $250 for programs and thank-you cards like I just did, etc.)

Service.

You will have a million decisions to make including

what kind of service to hold, if any

where to hold it

costs

hymns, readings, and anecdotes to share

who will be pall bearers, readers, vocalists, and give eulogies

Crematories handle cremation only, not the service details. 

you will need photo boards (Hobby Lobby has nice black foamcore ones) or a powerpoint (and a way to display it depending on the venue)

a guest or memorial book

a card basket,

memorial cards, possibly programs, and thank you cards 

Officiants, musicians, religious institutions, etc. all need to be paid (and tipped) for their time.

If we ever wrangle this pandemic, donating funeral flowers to a nursing homes is a fantastic way to brighten residents’ days. 

Obituary.

Obituaries are expected, but traditionally costly ($200-$800). As part of the publishing fee, most newspapers keep the obituary on legacy.com indefinitely.

A funeral home will assist you with this, but the burden will be on you and your loved ones if using other methods. 

These take hours to write and many hands does not make light work. Keep it to 2-4 key people. Having the facts laid out will help, and so will looking at other obituaries. I read a great tip which was to write about your loved one in present tense first, then change the tense before submission. 

Newspapers will update your spelling and grammar but that’s about it. Cheaper alternatives: 

Death notice which gives age, date and location of death, and who is handling funeral arrangements. Our crematory put in the death notice for us because they had her body, but the requirements on this likely vary state-to-state. 

Here is a place to put a free online obituary.

Plants, animals, stuff, etc. 

Save the plants and pets. 

Household misc. are usually not dictated by the will, except in special circumstances or contested items. Closest members will go through possessions first. Voice early if you want something in particular, but understand that you may not get it. That’s ok. 

Going through someone’s life is an overwhelming process. You may be repulsed and sad and overwhelmed and amused, all at the same time.  

In deciding what to keep, as I’ve now cleared out three houses, I’ve found that quality over quantity is the way to go. The sweet spot? 1-2 sentimental + useful things. My great grandmother’s thimble and juicer? Use them all the time, and I remember her lemonade. 

It’s okay to throw away some keepsakes and let things get thrown out or donated, depending on the thing. 

Don’t give into guilt if you don’t want the china your Aunt Karen is pressuring you into taking when she doesn’t want it either.

Legal stuff. 

If someone dies, there will be all kinds of legal things you will need to do (bank accounts, utilities, debtors, education, etc.), investments or 401k, etc. 

This varies too much by state and circumstance to talk about in depth but there are guides to specifically help you.

If someone you love has lost someone they love

Do not give platitudes or ask if they’re ok

Don’t expect a response from someone grieving

Do send a card! It’s so thoughtful. I keep a stack of blank condolence cards and a set of forever stamps in my closet. It doesn’t have to be a $20 card to be special.

Don’t judge someone by how they grieve

Offer specific, actionable help if you’re close enough to give it

I am going to come over and clean at 10, leave the house unlocked

I’m at the store and am going to buy cheap vodka unless you tell me what kind of wine you want

oops I got you an uber eats gift card in your gmail sorry/not sorry

Buy thank you cards with stamps as a condolence gift, depending on the person and situation

Send a plant instead of a bouquet of flowers

Make a donation in the loved one’s name if you have the funds

If the grieving person is someone super close (best friend, sister, etc.) add the date in your recurring calender so you can check up on them this day next year with a card and/or phone call