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Note again that this is meant to show how much cushion your spending account has. If you included your Retirement Fund in the cash balance, then it wouldn't make sense to include "Retirement Fund" as an Outflow. Why? Because we are treating transfers to these types of savings as Outflows from cash accounts. Do NOT include the balance in any of the categories listed under "Allocations" in the Outflows section. What is NOT a spending account? Your Retirement Fund, Emergency Fund, College Fund, etc. A checking account, your wallet, and/or savings account might be considered a "spending account" if money leaves your possession from that account (like paying bills from a savings account or paying a cab driver with money from your purse). The purpose of the beginning/ending cash balance section at the top of this spreadsheet is to show how much cushion you have in your spending account.įor the Beginning Balance, enter the sum of the amounts in your spending accounts on the chosen start date. Keep in mind that spreadsheets allow you to make more mistakes than software like Quicken, because spreadsheets use formulas and calculations that you may mess up by accident. If you want to use a free spreadsheet with the ability to enter transactions in account registers like you do in Quicken, you can try the Money Management Template. Quicken was my personal tool of choice when it comes to personal money management (before they switched to a subscription fee). It's mainly for people who don't already use Quicken (you can generate a report like this from Quicken very easily via the Reports menu).Īlthough there are some really cool things that can be done with Excel to make this worksheet more useful, I have intentionally kept this template simple. It includes a fairly comprehensive set of expense categories and was designed to be easy to understand and simple to customize. This worksheet was created to be used as an educational resource for personal finance classes. *Customers in Austria, Belgium, Czech Republic, Denmark, Finland, France, Germany, Great Britain, Greece, Hungary, Ireland, Italy, Netherlands, Norway, Poland, Portugal, Spain, Sweden and Switzerland are only able to receive payment electronically. If you prefer, you can also be sent a paper cheque*, which may take up to 15 days to arrive. Note : You can always add your bank information even after filing your claim. The quickest way to receive payment for your claim is providing us with your bank account number and Bank Identification Code, Sort Code or Routing Number when filing your claim. Next, provide us with documentation that shows the purchase price, actual cost, repair cost or replacement cost of the merchandise the claim was filed for. A Request for Payment Form will be sent within the preferred method set in your profile to be returned. If your claim has been issued, a request for payment can then be made by the shipper. View Supporting Documentation Requirements Show More Show Less Access will require you to be signed into ups.com, as these features are not available when filing your claim as a guest. You will be provided up to date details of the claim and notification of necessary action for the claim to be paid. Your claim’s progress can be managed from your claim’s dashboard. You'll get a notification from us about your claim once submitted, as well as up-to-date information available on your claims dashboard. Attaching photos of damaged parcels is also recommended for damage claims. Items such as receipts, invoices and purchase orders can help identify merchandise. Support Your Claim With Additional Documentation.Additionally, claim status after submission is limited to the shipper. If you are the shipper of the parcel, just know that you will likely be required to return and provide additional documentation. Are you the sender, receiver, an appointed representative of the shipper or a third party? Indicate your relationship to the parcel. *The FTR was formerly named Foreign Trade Statistics Regulations (FTSR).This can be the parcel's tracking number, weight or contact information for the recipient. These regulations will affect all exporters required to file an EEI.Criminal penalties for filing false and/or misleading information is up to $10,000, or imprisonment for no more than five years, or both, for each violation.Civil penalties for late filed EEI or failure to file increased from $100 to $1,100 for each day delinquent the maximum penalty increased from $1,000 to $10,000 for each violation.Currently, the government is not accepting applications for postdeparture filing. Postdeparture filers must be preapproved. The Postdeparture Filing Program allows companies reporting their electronic export information (EEI) through the AES to transmit their EEI within 10 calendar days after the date of export.Principal Party in Interest (USPPI) or their authorized agent is responsible for providing the proper AES proof of filing citation or FTR exemption legend on the international air waybill or entering it into the electronic shipping label device when the shipment is tendered to the carrier. Filing deadlines for EEI transmission is no later than two hours for non-International Traffic in Arms Regulations (ITAR) shipments and no later than eight hours for ITAR shipments prior to exportation.Exporters must self-file in ACE AESDirect Portal or authorize an agent to file for them through AES. Shipper’s Export Declaration (SED) information filed to AES is now known as Electronic Export Information (EEI).See the Foreign Trade Regulations (FTR) chart for details on exemptions and exclusions. For more information, see the FAQs section. Here’s a brief overview of filing EEI to an AES. Exported under license exception Baggage (BAG) under the Export Administration Regulations (EAR), which authorizes travelers to export, re-export, and transfer certain items, technology, and software for personal use abroad.Eligible for license exceptions* in the Export Administration Regulations and EEI filing exemptions in the Foreign Trade Regulations.territories: American Samoa (AS), Guam (GU), and Northern Mariana Islands (MP). Please note, FedEx currently serves these U.S. territories (American Samoa, Commonwealth of the Northern Mariana Islands, Guam, Howland Islands, and Wake Island). Includes rough diamonds or is transiting Canada.Requires an export license or permit, or.Is subject to the Department of State’s International Traffic In Arms Regulations (ITAR),.You won’t need to file an EEI for shipments: The unused portion of the free trial period will be forfeited when the user decides to subscribe. Subscriptions can be managed by you and auto-renewal can be turned off by going to the user\'s iTunes account settings.Ĭancellation of the current subscription is not allowed during the active subscription period. Your account will be charged the subscription fee at the originally selected price within 24 hours prior to the end of the current period. Subscriptions will automatically renew for the same price and term, and auto-renewal can be turned off at least 24 hours before the end of the current term. Payment will be charged to iTunes Account at confirmation of purchase. Subscriptions refer to auto-renewing subscriptions that can greatly enhance your gaming experience.Īn annual subscription costs $19.99 and a monthly subscription costs $2.99, or a price tier equal to the dollar subscription price as determined by the Apple App Store Matrix. You can play with one, two, or four suits. It has been widely popularized due to its inclusion in Microsofts Windows operating system since 1990. Good Features: Timer mode supported, left-handed supported, big font supported, UNDO moves, HINTS, and so on.Ĭome on! Let's try the addictive classic Spider Solitaire card game for FREE NOW! These solitaire games are worth playing with friends. This challenging card game is great for beginners and more experienced players as well. The most famous Solitaire game is undoubtedly Klondike, the version that comes pre-installed on many computers and is often simply referred to as Solitaire. Spider solitaire classic free is a so challenging game to train your brain, which everyone can play for free! So many deals: So many game deals are waiting for you to win.ĭaily Challenge: Different levels more challenge every day. Hundreds of living backgrounds: backgrounds of Ocean fish, Koi fish, Waterfall, Aquarium, Butterfly, Horse, Moon, and so on.Ĭard Faces & Card Backs: Many beautiful card faces and card backs make each deal of your spider solitaire game colorful.Īnimations: Tens of animations can be shown after you win the game, you can choose by yourself.Ĭat Shop: There is a cat shop in this classic spider solitaire, you can play card games to buy cats in the event time.įlower Shop: There is a flower shop in this classic solitaire card game, you can play card games to buy flowers in the event time. Play this spider solitaire garden free card game! There are tens of different gardens waiting for you to build. Try this classic spider solitaire game now! This classic spider solitaire has different fun with other classic spider solitaire! And also, compared to other classic klondike solitaire card games, this classic spider solitaire card game is more interesting.īeautiful Gardens: You can build the gardens and plant flowers in your own garden. You can use these backgrounds, card faces, and card backs to customize your themes. This Spider Solitaire is not only a classic spider solitaire, but also a classic spider solitaire with many gardens to build, and hundreds of beautiful backgrounds, card faces, card backs to unlock by playing the spider solitaire card games. Spider Solitaire is a free classic spider solitaire card games. If you were in the country side I'd say get one of those wide low profile off road LED bars that give instant daylight - too bright for populated areas though. High Intensity Discharge (HID) lighting is available. HID lamps are brighter and vary more in color. The downside to this option is the higher wattage, the more fuel is required to power it. For improved visibility at night, the only way to stick with a halogen lamp is to use a higher wattage bulb. About 9000 to 10000 lumens of brilliant light may be produced by a decent set of LED. Additionally, they are better at illuminating the sides of the road. HID headlights generally cover an area that is about one-third greater than that covered by LED bulbs. Also, used Euro spec light assemblies from recycler should have a better result overall because they have different lighting standards.Īlternately, get an accessory LED modules / lights from same type of vendor, mount into a cutout in lower grill or led strip area, and get the light where you need it. Halogen lamps give off a yellow tinged light. Compared to halogen and LED bulbs, they also allow light to spread across a larger area. Since there is no cost efficient way to convert to OEM Xenon, the only way to attain better lighting is non DOT spec bulb, maybe only one for the right side only, from any off-road or rally lighting vendor, or a European light bulb vendor, plus adjust your right light. DOT rules also hinder halogen light compared to European halogen. Few get tickets though so it seems to be an accepted practice.ĭOT legal bright bulbs are just a whiter band of light and have no real benefit compared to standard yellowish OEM, according to studies. I know what you mean re other cars poor light alignment, plus running non DOT spec bulbs like HID simulation and super bright bulbs from ebay. Also known as High-Intensity Discharge (HID) lamps, xenon headlights deliver a white-blue light, approximately two to three times brighter than a halogen, last. I’ve compiled a few examples of good YouTube logos together into one image for inspiration. Just be sure your logo fits your personality. So, when designing your logo, you don’t need to limit yourself to some arbitrary style guide. The variety of YouTube logo designs is massive, even among channels that focus on the same industry. It’s okay to use an acronym as your logo, without any illustrations or shapes, but do try to make it stand out.Complicated logos are hard to see at small sizes, so avoid too much complexity. If you use more than one color, make sure there is strong contrast between them, and always make sure the logo contrasts strongly with its background.But knowing a few basic tips will help you create your own YouTube logo without too much hassle: I’m not going to get into too much detail, because professional logo design is a huge subject. Next, you should know a couple of basic things about logo design. If you’re not sure what that means, see our article on image formats. Do You Need a PNG Logo for YouTube?Īs for the image format, JPG or PNG should both work fine, but for logos, I highly recommend PNG. If you want to read all about my experiences (both good and bad) and find out who won, don’t miss my in-depth logo design service comparison. I enjoyed it for the most part, but it was quite the wild ride. If you're not seeing the right one for your business, don't worry-our catalog is as diverse as it gets.As a side note: I recently completed my quest to find the best new logo for Website Planet, where I personally tested all the major logo design services. What are you waiting for? Scroll down and take a look at all the different video intro templates we offer. We've Got Intro Templates for Any Type of Video! They'll give you a huge discount compared to paying for single videos. If you need a bunch of videos, check out our subscription plans. I'll email you as soon as it's ready for download (most templates render in a few minutes, but complicated animations can take several hours when rendering at 4k). 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The Book ofMormon is choreographedby three-time TonyAwardnominee CaseyNicholaw Monty PythonsSpamalot, The Drows圜haperone and is directedby Nicholaw and Parker. New comments cannot be posted and votes cannot be cast Comments. Episode 38 Toon Fatty Bigtits 8 min 360p 3D Comic: Chaperone 93-94 Hardcore Hentai Mature 13 min 720p 3D Comic: The 3D Comic: The Chaperone. Episodes 3-6 Fat Big Tits Bigcock 30 min 360p 3D Comic: The Chaperone. Episode 22 Toon Masturbation Hentai 11 min 360p 3D Comic: Raymond. Episodes 72, 73 Toon Bbw Cumshot 12 min Episode 105 Old Cartoon Anime 15 min 720p 3D Comic: The Chaperone. Episode 4 Cumshot Masturbation Old 19 min 360p 3D Comic: The Chaperone. Episode 2 Hentai Granny Old 17 min 360p 3D Comic: Chaperone 2 Bdsm Mature Teen 5 min 360p 3D Comic: The Chaperone. Episode 5 Copy Page link Copy Embed link Share this video. Episode 22 3d Pregnant Milf 11 min 360p 3D Comic: Carnal Clinic. Episode 2 Slim Smalltits Young 17 min 360p 3D Comic: The Chaperone. 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You can also get plastic rain diverters, often made from PVC, though any durable outside plastic material can be used. Sheet metal from various materials can be used, including stainless steel, aluminum, and copper. Rain diverters typically come in L shapes or J shapes, with the curved part being the block for the water. However, if you make your own, you need to consider if it can be painted and if it will grow mold or need maintenance or any kind. There is nothing incredibly complex about the design of a rain diverter. You can buy a variety of prebuilt rain diverters, or you can fabricate your own by cutting PVC pipe or bending sheet metal. What Types of Rain Diverter Are Available On the Market? However, even gutters have limits and can overflow as well. You need to measure how long the area is that you want to protect and then cut the roof diverter to be at least one foot longer on each side to give full coverage to the area you’re trying to protect or cut it long enough to divert to the area you want the water to flow to.īecause the roof diverter is a low-profile device, there is only so much water that it can divert at a time.ĭuring extremely heavy rain, the diverter could “overflow” and allow some water to the area that it’s protecting, which is why it’s not a complete replacement or alternative to gutters. How Does a Rain Diverter Work?Ī rain diverter is a simple device that you place on any area of your roof it has a flat bottom that is flush with the roof but a curved front that blocks water from flowing forward it directs that water to either side, or you can slant the roof diverter, so water flows primarily down one side. In areas with a lot of snow with no gutters, the diverters are a great way to stop melting snow from draining over your front door, paths, or other areas you want to keep dry. You may also install rain diverters where it’s not practical or possible to install an entire gutter system but still need to keep rainwater away from certain areas, especially doorways or away from paths. Often rain diverters will divert most rainwater to the sides of the house where gutters are installed. Rain diverters are not an alternative or a replacement for gutters, but they can be used under certain conditions, including where aesthetically you don’t want gutters to be jutting out of your house, especially on certain types of houses where it may look strange to have gutters. Rain diverters are a low-profile device to place on top of your roof at any level which will divert water flowing down your roof and away from certain areas and potentially into gutters if any are available, which can then flow to the street, garden, or even into a holding tank if you prefer. This is an ultimate resource about rain diverters so you can understand what they are, how they work, and if they would be suitable to fix the problems you’re having. Rain diverters may be an excellent option to help alleviate some of your problems. Made from high quality, ultraviolet-inhibited polyethylene.If your standard gutters don’t provide everything you need, you find gutters unappealing, or you simply can’t install gutters in certain areas. The 12 Foot Rain Drain must be recoiled manually.Pressure in the downspout will automatically unroll the Rain Drain, and discharge rain away from foundation.Attaches to the downspout with the included cord.Extend A Spout Telescoping Extender 9" to 28" Effectively, they are leveraging penetration pricing to increase their wallet share. They are selling organic foods at lower prices. However, Kroger and Costco use a penetration pricing strategy. As a result, many grocers offer more extensive selections of organic foods at premium prices to boost their profit margins. Also, the demand for organic, or natural, foods is growing significantly faster than the market for non-organic groceries. However, the margin on organic foods tends to be higher. Traditionally, the margin on groceries is minimal. Example of Penetration PricingĬostco and Kroger, two major grocery store chains, use market penetration pricing for the organic foods they sell. Small businesses or those in niche markets can benefit from price skimming when their products or services are differentiated from competitors' and when synonymous with quality and a positive brand image. Effectively, producers are skimming the market to maximize profits. Over time, prices will reduce to levels comparable to market prices in order to capture the rest of the market. A skimming strategy works well for innovative or luxury products where early adopters have low price sensitivity and are willing to pay higher prices. Conversely, a skimming strategy involves companies marketing products at high prices with relatively high margins. With pricing penetration, companies advertise new products at low prices, with modest or nonexistent margins. If the competition also lowers their prices, the companies might find themselves in a price war, leading to lower prices and lower profits for an extended period of time. However, if the low price is part of an introductory campaign, curiosity may prompt customers to choose the brand initially, but once the price begins to rise to or near the price levels of the competing brand, they may switch back to the competitor.Īs a result, a major disadvantage to a market penetration pricing strategy is that an increase in sales volume may not lead to an increase in profits if prices must remain low to keep the new customers. Once a purchase has been made ideally, an email or contact list is created to follow-up and offer additional products or services to the new customers at a later date. However, the key to a successful campaign is keeping the newly-acquired customers.įor example, a company might advertise a buy-one-get-one-free (BOGO) campaign to attract customers to a store or website. Additionally, a higher amount of sales can lead to lower production costs and quick inventory turnover. It can often increase both market share and sales volume. When prices increase, those customers may become dissatisfied and stop purchasing the product or service, or find another lower price competitor.Penetration pricing, similar to loss leader pricing, can be a successful marketing strategy when applied correctly. If a company uses penetration pricing, customers may begin to expect permanently low prices for that product or service. Penetration pricing also allows companies to gain a large majority of market share before their competitors can react. Therefore, penetration pricing is not recommended as a long-term pricing strategy for any business. However, this is not a guarantee, and sometimes customers could remain a financial drain. The hope is that these customers will grow loyal to the product or brand, and buy-in to any upsells or cross-selling. The first advantage of penetration pricing is attracting a quick influx of new customers who see the value of the product, and feel they’re getting a good deal. Penetration pricing has a few advantages, but there are some important potential pitfalls to consider as well. Advantages and pitfalls of a penetration pricing strategy |
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