11/11/2022 0 Comments Simple math early retirement![]() The rule uses a very high likelihood (close to 100%, in historical scenarios) that the portfolio would have lasted for a 30-year time period. It includes a very high level of confidence that your portfolio will last for a 30-year period.The 4% rule, in other words, may not suit your situation. But, if you're already retired or older than 65, your planning time horizon may be different. The risk of running out of money is an important risk to manage. We believe that retirees should plan for a long retirement. According to Social Security Administration (SSA) estimates, the average remaining life expectancy of people turning 65 today is less than 30 years. Depending on your age, 30 years may not be needed or likely. Using historical market returns to calculate a sustainable withdrawal rate could result in a withdrawal rate that is too high. ![]() (CSIA) projects that market returns for stocks and bonds over the next decade are likely to be below historical averages. Analysis by Charles Schwab Investment Advisory, Inc. ![]() We generally suggest that you diversify your portfolio across a wide range of asset classes and types of stocks and bonds, and that you reduce your exposure to stocks as you transition through retirement. Your actual portfolio composition may differ, and you may change your investments over time during your retirement. The rule applies to a hypothetical portfolio invested 50% in stocks and 50% in bonds. It applies to a specific portfolio composition.Expenses may change from one year to the next, and the amount you spend may change throughout retirement. This isn't how most people spend in retirement. It also assumes you never have years where you spend more, or less, than the inflation increase. The 4% rule assumes you increase your spending every year by the rate of inflation-not on how your portfolio performed-which can be a challenge for some investors. While the 4% rule is a reasonable place to start, it doesn't fit every investor's situation. If the cost of living rises 2% that year, you would give yourself a 2% raise the following year, withdrawing $40,800, and so on for the next 30 years. You would withdraw $40,000 in your first year of retirement. By following this formula, you should have a very high probability of not outliving your money during a 30-year retirement, according to the rule.įor example, let's say your portfolio at retirement totals let's say your portfolio at retirement totals $1 million. In subsequent years, you adjust the dollar amount you withdraw to account for inflation. It's relatively simple: You add up all of your investments, and withdraw 4% of that total during your first year of retirement. One frequently used rule of thumb for retirement spending is known as the 4% rule. But if you spend too little, you may not enjoy the retirement you envisioned. But how much can you afford to withdraw from savings and spend? If you spend too much, you risk being left with a shortfall later in retirement. You've worked hard to save for retirement, and now you're ready to turn your savings into a paycheck. Environmental, Social and Governance (ESG) Investing.Bond Funds, Bond ETFs, and Preferred Securities. ![]()
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11/11/2022 0 Comments Free background music![]() #Free background music free#They collaborate with musicians who upload original samples of their instrumentals, singers who upload original acapella recordings, and producers and DJs who mix the music together to create free tracks for your videos. ccMixterĬcMixter has one of the most thorough processes for creating free music out of any royalty-free music website. With over 500,000 tracks in 36 different genres spanning from Hawaiian to action, you can make music tracks for almost any video project. Pond5 offers one of the largest royalty-free music libraries in the world. This gives you infinite creative possibilities to choose from when you create your video’s soundtrack. Filmstroįilmstro not only offers royalty-free music that spans over 65 different categories, like mood, film & video genre, music genre, and instrumental palette, but they also let you customize each track by its momentum, depth, and power. If you need sound effects for your video, Soundstripe offers 29 categories of sound effects, ranging from construction to sci-fi. On Soundstripe, you can also create an account, follow artists, playlists, like songs, and create your own playlists. They’ve also curated over 50 playlists that span from genres like action & sport to weddings. ![]() Soundstripe partners with over 80 artists to produce songs that you can filter by mood, genre, pace, instruments, key, vocals, duration, and beats per minute. Additionally, Music Vine dedicates a section of their website to their artists, letting people follow them and explore their music. You can filter them by vibe, theme, genre, and environment. They also curate collections for particular themes in filmmaking and video production. Music Vine collaborates with over 160 independent musicians to produce more than 2,500 tracks that you can segment by style, mood, energy, vocals, and duration. Artlist also curates themed collections of their partner artists’ tracks and spotlights their albums, too. They offer thousands of tracks that you can filter by mood, theme, genre, instrument, tempo, and duration. ArtlistĪrtlist partners with some of the best indie artists to create original tracks, helping companies like National Geographic, Microsoft, and Toyota make video soundtracks. Epidemic Sound has curated over 725 albums of royalty-free music, spanning from genres like “Corporate” to “First Snow”, allowing you to create diverse and high-quality soundtracks. Epidemic Soundīy collaborating with some of the most talented musicians in the industry, Epidemic Sound’s tracks are featured on YouTube and Facebook videos that rack up over 20 billion views each month. Their music experts also curate an Editor’s Pick playlist that has 857 of PremiumBeat’s best tracks to help you make the best possible soundtrack for your videos. With the help of their own music industry experts, they’ve curated over 10,000 tracks that you can segment by genre, mood, artists, instruments, beats per minute, and duration. Owned by Shutterstock, PremiumBeat offers one of the most diverse and sizable collections of royality-free music on the internet. 9 Royalty-free Background Music Websites for Videos 1. But a lot of these websites charge a royalty fee for each track they offer, which most small video marketing teams don’t have the budget for.įortunately, we found the nine best royalty-free music sites that provide high-quality music and can help you make the perfect soundtrack for your next video. You have to rely on music websites that provide stock songs. ![]() In the video marketing world, though, you usually don’t have a team of musicians you can tap into whenever you need a hit soundtrack for your next video. Whether you’re creating fun social media videos, persuasive product videos, or even serious training videos, music can separate your video from the rest of the pack. Music can make your videos much more captivating, impactful, and, in turn, convincing. But out of the participants who watched the commercial without music, only 4% reported the same belief about the apple juice brand. In a 1994 study that tested music’s effect on brand attitudes, half the participants watched an apple juice commercial with music while the other half watched it without music.Ģ3% of participants who saw the apple juice commercial with music reported that one of the beverage’s benefits was “drinking a natural drink”. Neglect the musical aspect of your video, and people will think less of your brand. Play a fitting soundtrack or jingle in your video, and you can grab your audience’s attention and evoke the specific emotions and feelings you want them to associate with your brand. In video marketing, choosing the right soundtrack can be the difference between a video that grips your audience from start to finish and one that they can barely get halfway through. ![]() 11/11/2022 0 Comments Ftl faster than light read text![]() ![]()
While you never know exactly what’s waiting for you at each point, I’m always tempted to explore as much as I can and upgrade my ship as much as I can before I reach the extremely tough battle at the end. As you’re driven forward through the five-sector map of randomized navigation points by an unstoppable rising tide of Rebel ships, it forces still more decisions. As the most frequently accessed part of the UI, it’s almost always either covering up vital crew health information or constantly needing to be reopened to target new enemy systems. The one spot that could use some work on the iPad’s touch interface is the weapon panel. Do you target their shields first and make them more vulnerable to your next attack, or try to knock out their weapons with the first volley and spare yourself the repair bill of having to take some hits? Do you concentrate on raw firepower, or throw in some ion weaponry to quickly disable enemy systems, drones that can attack or defend, or send over boarding parties and use mind control to turn the enemy crew against each other? Or try to power up your FTL drive and run? Whatever you decide, no plan survives contact with the enemy, and FTL does a great job of throwing unexpected and unlikely attacks at you to force you to pause and reconsider. Success in battle involves timing your most powerful shots to hit when their shields are weakest, which effectively creates some great “Fire on my command!” moments. The many ways in which multiple versions of blasters, beams, flak, missiles, ion blasts, teleported bombs, attack drones, boarding parties with six distinctly different races, and mind control interact with shields, cloaking devices, defensive drones, engine speed, medical bays and cloning facilities, reinforced doors, and more is endlessly interesting. That’s the joy of it: you never get to feel safe.Ĭombat seems rudimentary at first, since both 2D pixel-art ships sit still on the screen trading blows, but its wide variety of offensive and defensive options give it surprising legs. (That makes it an excellent fit for the iPad’s touch controls, too.) But because it involves so many random factors, from whether a missile hits its mark to if your crew can rescue a space station from giant spiders in a miniature text adventure, FTL is often cruel to the point where a few bad jumps can render a playthrough effectively unwinnable. FTL FASTER THAN LIGHT READ TEXT PCAfter countless hours of the PC and iPad versions, I’ve effectively mastered its amazing ship-to-ship and somewhat weaker hand-to-hand combat systems – it doesn’t take too long, as it generously allow you to pause at any time and consider what to do and where to move your tiny crewmembers. FTL FASTER THAN LIGHT READ TEXT GENERATORFTL is a story generator more than it is a game of skill. ![]() ![]() And even though it doesn’t always work – or perhaps because it doesn’t always work, and sometimes everyone dies and you have to start again – it’s those moments when it does that make FTL: Advanced Edition one of the most memorable and replayable games I’ve ever played. Kirk or Han Solo would attempt to reverse his fortunes and save his crew. It’s the kind of desperate, so-crazy-it-just-might-work move James T. There’s something special about a game where you can choose to reroute power away from the vital life-support system to the weapons and coax one last shot out of your crippled, flaming wreck of a spaceship. ![]() 11/11/2022 0 Comments Cartoon share croppr![]() ![]() In 1974, Southern Exposure, the print forerunner to Facing South, published a nearly 230-page issue of oral histories titled "No More Moanin': Voices of Southern Struggle." For it, Sue Thrasher and Leah Wise interviewed people who had been involved in the Southern Tenant Farmers' Union. It later changed its name to the National Agricultural Workers Union and the Agricultural and Allied Workers' Union and remained active until 1970. Though its leaders faced harassment and attacks, the Southern Tenant Farmers' Union had chapters across the South and spread into the Southeast. It aimed to help farmers work out fairer arrangements with landowners and to ensure sharecroppers and tenant farmers got a fair cut of Depression-era federal farm support payments that went to landowners. (Photo via Library of Congress)įifteen years after it took place, the massacre was heavy on the minds of a group of Black and white sharecroppers and tenant farmers as they gathered about 100 miles north of Elaine in the small city of Tyronza, Arkansas, and organized the Southern Tenant Farmers' Union - one of the few unions of the time open to Black and white people. Robert Lee Hill, the organizer of the Progressive Farmers and Household Union of America, as seen in a Depression-era Farm Security Administration photograph. The incident is known as the Elaine Massacre. Historians estimate hundreds of Black people were killed. Mobs of armed white men from across the Mississippi River poured into Phillips County, launching a days-long killing spree of Black people. ![]() ![]() Local white planters and landowners reacted with extreme violence. White sheriff's deputies arrived to a meeting of the union outside a church in Hoop Spur, near the city of Elaine, and gun violence broke out. In September 1919, a group of Black sharecroppers in Phillips County, Arkansas organized a chapter of the Progressive Farmers and Household Union of America, a union founded after World War I by Black tenant farmer Robert Lee Hill. They also inspired numerous union organizing attempts. Both systems were highly exploitative and marked by tremendous power imbalances that left sharecroppers and tenant farmers trapped in perpetual debt. Others in the region were tenant farmers who rented the land they worked but owned their crops in full. became widespread across the South after the Civil War and emancipation, and sharecroppers were usually formerly enslaved people or poor white farmers. As in the rest of the Deep South, the economy of the Arkansas Delta in the early 20th century was marked by sharecropping, a system in which a farmer rents land from the owner in exchange for a cut of the crop. ![]() 11/11/2022 0 Comments Ti connect ce not detecting calculator![]() ![]() I could hear the familiar “ta duh” sound of connecting a USB device, but it made no second attempt to grab the driver, even after a reboot. If you are an early adopter and find yourself in this situation, here’s what worked for me.įrom the Start Menu search “Administrative Tools”.Īfter choosing Administrative Tools, select “Computer Management”.įind “Device Manager.” Scroll down to “Universal Serial Bus controller.” Hopefully, you will see “TI Graphing Calculator.” Right click and select “Update Driver Software” and choose the automatic search for drivers. Unfortunately, the CE driver installation failed, and Windows 7 wouldn’t give me another chance. Not only did it lack archive memory, it also lacked a link port, and lacked the Asm() command, meaning you were stuck with TI-BASIC. I do know that my CE review unit was recognized prior to the new Connect, and when I installed the new software, I had to reinstall drivers for my TI-84 Plus C and Plus CE. While holdingDEL, reinsert the AAA battery and then turn the calculator on. The TI-81 was an absolute potato of a calculator. I’m not sure if this a fluke, specific to my PC, something to do with the new Connect, or if there is some other explanation. My Windows 7 machine wouldn’t recognize my TI-84 Plus CE. ![]() Connect the calculator to the computer through the USB port. Insert the plug into the the slot at the top of the calculator. Make sure you have a TI USB cable to connect your calculator and computer. ELECTRICAL SHOCK HAZARD: Do NOT connect electrode inputs to. Step 1 Connecting TI-Nspire to a Computer. However, I ran into a speed bump when I got started. 2.14 Automatic Detection of CPAP Titration Changes. It’s faster, the UI is much easier to work with, and one could easily program from within it. to the system, and supported calculators will not appear in the TI Connect CE software. ![]() I took the new TI-Connect for a spin tonight, and it is a big improvement over the old version. People ask also, why is TI Connect not detecting calculator. ![]() 11/11/2022 0 Comments Shaggy multiversus![]() ![]() I feel the game is a little snappier now, but this could be related to the fact that I have played the open beta on PC with V-Sync off, as opposed to the closed alpha that was played on PlayStation 5. Outside of the system-wide and character-specific changes, MultiVersus hasn't changed much over the closed alpha. The game, however, seems to be in a decent spot already, and the additional changes that should be coming in time for the official release are likely to improve general balance even more. Batman is among the characters that have been buffed the most, but generally, the changes seem to be on point, although some characters still have a clear edge over the others, like Finn with his incredible movement speed. A new character, Iron Giant, is available, and general gameplay tweaks and balance changes are introduced. This makes the game extremely simple to pick up and play, but the differences between characters make it much harder to master.ĭespite not looking that different from the closed beta build, the MultiVersus open beta build has a good number of differences. The control scheme is extremely simple, with regular and special moves, both in the air and on the ground, assigned to a single button and a direction. For those who have never seen MultiVersus in action, the game developed by Player First Games is a platform fighter in the vein of the Smash series and Brawhalla, where the player's goal is to knock the opponents off the screen, and the higher the damage value, the more a character will be launched by the opponent's attacks. ![]() 11/11/2022 0 Comments Overlord ii armor![]() ![]() ![]() Starting the game by tasking the player with clubbing the cutest little baby seals you ever did see is an interesting (if controversial) choice but given our preferred All Black Hooker once had that as a hobby, who are we to judge. The hippy elf dudes are almost certainly at least slightly drawn from Zelda’s hero – albeit in a ridiculously annoying, i-can’t-wait-to-punch-him kind of way. The net result in a crew that becomes both better and more comically disheveled as you use them – a win any way you look at it.Įnemies are fun to dispatch, with obvious influences from other games and other media. ![]() In the midst of the chaos, your little lads will often pickup bits of armor (or items to use as armor), weapons or any manner of odd little bits and pieces that improve their inherent ability (be it melee, ranged fire attacks – etc). They’ll gleefully trash the homes of villagers, for example, bringing about significant destruction in an orgy of physics-driven chaos which never gets tiresome to unleash. In addition to wielding your minions against a myriad of comical (think: Asterix & Obelix type Gauls or villagers, as an example) enemies, you can also let them loose on a considerable quantity of the environment. You can also hold down the right trigger, which will cause your minions to wantonly attack anything directly in front of the Overlord – a good default attack when you’re in the thick of things or just want to trash the place. ![]() 11/11/2022 0 Comments Ufo alien invasion eisenhower![]() ![]() Larry David tends to keep his own counsel when it comes to things like publicity, so you won’t see any advance reviews of the new season of “Curb Your Enthusiasm,” because nothing was made available in advance.įor all the talk about creative freedom these days, “Curb” has long been a model of a network acceding to the show’s architect. Susie Essman, Lucy Liu, Larry David in the new season of 'Curb Your Enthusiasm.' John P. (Not that there’s anything wrong with that.) It’s unclear whether these alien visitors have all the time in the world waiting around for somebody to get to the point, but a lot of us mere mortals don’t.ĭon’t look for ‘Curb’ blurbs. ![]() UFO ALIEN INVASION EISENHOWER TVBut the current TV glut has only accelerated the sense that if the show you’re watching doesn’t seem to be going anywhere, click, next. “The X-Files” ran into similar problems in its later seasons, as the mythology became increasingly dense. Therein lies the problem with both shows, which particularly in the case of “Invasion” feels so unhurried in its template of watching the crisis unfold as a global phenomenon as to blunt the drama. ![]() Why are they back now? What was done to them? And what happens next? The hope is you’ll stick around to find out, but given the size of the cast, there are a whole lot of subplots to explore in the interim. The group arrives in Detroit, and they’re essentially quarantined by the government, while both getting to know each other and, in the case of those taken relatively recently, discovering what transpired while they were gone. Again, it involves people being returned, unchanged, after disappearing years and sometimes decades earlier, but the emphasis is on marginalized people, whose absences were felt by their families but not seriously scrutinized by authorities. UFO ALIEN INVASION EISENHOWER SERIES25, the CW series is actually a reboot of a show titled “The 4400” that premiered in 2004, but with an interesting twist. It’s sort of the anti- “Independence Day,” where instead of giant ships suddenly appearing, strange little things begin happening, slowly (too slowly, based on the five episodes previewed) adding up to an extraterrestrial encounter of, well, some kind.Īs for “4400,” which premieres Oct. 22) follows the weird doings surrounding an alien invasion through the perspectives of multiple characters around the globe. The fixation with watching the skies is being joined by Apple TV+’s globe-spanning “Invasion” and CW’s “4400,” both of which hinge on mysteries but which appear to be in no hurry to disgorge their secrets.Ĭreated by “X-Men” veteran Simon Kinberg and David Weil, “Invasion” (launching Oct. This week saw the finale of “American Horror Story: Double Feature,” whose second installment (a vast improvement over the first) rewrote US history around aliens landing during the Eisenhower administration. Whatever the reason (including possibly happenstance), to paraphrase a great patriot, “The aliens are coming! The aliens are coming!” Conspiracy theorists have circulated rumours that the meeting between Eisenhower and aliens took place.Chalk it up to the government’s revelations in recent years about UFOs, or maybe just the pendulum swinging back, again, after “The X-Files” inspired a host of imitators in the 1990s. He added that there were "many witnesses".Įisenhower, who was the US President from 1953 to 1961, is known to have had a strong belief in life on other planets. Good said: "Aliens have made both formal and informal contact with thousands of people throughout the world from all walks of life."Īsked why the aliens don't go to somebody "important" like US President Barack Obama, he said: 'Well, certainly I can tell you that in 1954, President Eisenhower had three encounters, set up meetings with aliens." Speaking on Frank Skinner's BBC2 current affairs show Opinionated, he said that aliens at the first meeting were "Nordic" in appearance, but a deal was signed with a race called "Alien Greys". The two parties met up on three separate occasions at the Holloman Air Force base, and there were "many witnesses", the 'Daily Mail' online quoted as saying Good, who worked for Pentagon and the US Congress. The 34th President of the United States, known as Ike, met the extra terrestrials at Holloman Air Force base, in New Mexico, after FBI agents made contact through "telepathic messages", according to lecturer and author Timothy Good. Former US President Dwight D Eisenhower had met aliens at least thrice at a remote air base in New Mexico in 1954 - this is according to a bizarre claim by an ex-American government consultant. ![]() 11/11/2022 0 Comments Max payne 3 system requirements![]() ![]()
If your FPS dips to a very low level at any point, or is constantly spiking, then this is a good indication that you need to adjust various settings, whether to raise your minimum FPS to at least around 25-30 FPS, or simply to stabilize your framerate to prevent stuttering.īefore covering the various graphics-related settings that have the most significant impact on performance and image quality, this section examines the other options menus. ![]() Pay attention to your FPS during the game, particularly during graphically intense scenes, such as combat. You will now see a yellow FPS counter displayed in the corner of your screen. MAX PAYNE 3 SYSTEM REQUIREMENTS INSTALLDownload, install and launch FRAPS before starting up Max Payne 3. The easiest way to do this is to use the free FRAPS utility. To successfully conduct any tweaking, you will need some way of objectively measuring your performance in Frames Per Second (FPS). MAX PAYNE 3 SYSTEM REQUIREMENTS DRIVERSAt the very least make sure to update your Graphics Drivers to the latest available version. MAX PAYNE 3 SYSTEM REQUIREMENTS PCGo through our Stable Gaming Guide to get your PC in the best shape. A great many problems and performance issues, especially stuttering, crashes and slowdowns, can be traced directly to sub-optimal settings in Windows and out-of-date or badly configured drivers. The aim here is to give you enough information so that you can make an informed choice as to the settings you enable or disable to obtain a balance of visual quality and performance acceptable to you.Īlmost as important as any in-game setting is the way your Windows installation is configured. Performance information is also provided for every setting, although bear in mind that the precise impact on your system depends on your specific hardware combination and your other game and system-wide settings. Screenshot comparisons are provided where relevant to highlight the impact on image quality of changing these settings. MAX PAYNE 3 SYSTEM REQUIREMENTS FULLWhat follows are full descriptions for all of the settings available in the various Max Payne 3 options menus.
11/11/2022 0 Comments Fcb chicago inside the office![]() Named Adweek’s 2020 Global Agency of the Year, Cannes Lions 2019 North American Creative Agency of the Year and a 2019 Ad Age A-List global top 10, FCB focuses on creating “Never Finished” campaign ideas that have the power to transform brands, businesses and communities. Radio & Audio – Corporate Purpose & Social ResponsibilityįCB (Foote, Cone & Belding) is a global, award-winning and integrated marketing communications company with a heritage of creativity and success dating from 1873. GOOGLE AI AND CANADIAN DOWN SYNDROME SOCIETYīrand Experience & Activation – Social Behaviourīrand Experience & Activation – Not-for profit/Charity/ Governmentīrand Experience & Activation – Digital InstallationsĬannes Lions – Creative Business Transformation Lions This game-changing technology is positively impacting therapy for children living with cystic fibrosis.īrand Experience & Activation – Corporate Purpose & Social Responsibilityīrand Experience & Activation – Healthcareīrand Experience & Activation – Live Brand Experience or Activationīrand Experience & Activation – Tech-led Brand Experience SICK BEATS, the world’s first music-powered airway clearance vest for people with cystic fibrosis, is a revolutionary vest that uses the clinically proven modality of soundwave therapy to merge the music kids love with the daily treatment they need. “SICK BEATS” by AREA 23, an FCB Health Network company, has amassed a total of 11 Lions to date, including two coveted Grand Prix wins. ![]() To date, the campaign has received six Lions, consisting of one Grand Prix, two Gold, two Silver and one Bronze. In addition to its Grand Prix medal today, the campaign also won Gold in Creative eCommerce – Social Commerce. ![]() The wins to date include five Grands Prix, 15 Gold, 25 Silver and 30 Bronze.įCB Inferno’s “Raising Profiles,” on behalf of The Big Issue & LinkedIn, continues its momentous run at Cannes. ![]() Today’s medals bring FCB to a total of 75 Lions, a historic moment for the network. NEW YORK, J(GLOBE NEWSWIRE) - Having won three Grands Prix earlier in the week at the Cannes Lions International Festival of Creativity, today FCB adds two more! FCB Inferno’s “Raising Profiles,” on behalf of The Big Issue & LinkedIn, took home the Grand Prix in Creative eCommerce – Market Disruption, while AREA 23, an FCB Health Network company’s “SICK BEATS,” on behalf of Woojer, took home the Grand Prix in Radio & Audio – Healthcare. The Network continues its phenomenal showing ![]() |
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