![]() Try to think about what you truly need out of your home so you have the freedom to spend on other necessities.Ī fully complete financial plan includes provisions to protect your life and your future. A big mortgage payment can really set you back with your savings. So, if you make $50,000 and your boss matches your 401k up to 5 percent, be sure to contribute $2,500 over the course of the year.īe careful not to over-buy when shopping for a new home. Employers who offer to match your contribution will typically do so up to 3-6 percent of your annual salary. If your employer offers to match a percentage of your 401k contribution – and most do – maximize that benefit by contributing to the match limit. ![]() If you put money aside before you even see it, you won’t miss it. Have your savings contributions automatically deducted from your paycheck via the 401k plan and/or direct deposit into a brokerage account. It’s easy to spend a little extra some days than others, but if you have a budget in place or set a daily spending limit you’ll be able to adjust and make up for any oversights another day. Withdrawing a fixed amount every month helps you be more aware and make better spending choices.īudgets play a critical role in paying off debt, controlling your spending and staying on track towards your goals. If you find it easy to over spend, try paying for things like clothes and groceries with cash instead of a credit or debit card. It’s incredibly easy in this consumer-driven world to live beyond our means but a good rule of thumb is to try and save at least 15 percent of your income. Time really is a powerful lead for your investments so waiting just a few years to start saving may significantly reduce the size of your retirement nest egg. The sooner you start to save for retirement, the more time your money has to grow and take advantage of compound interest. ![]() Whether it’s a house you’ve been eyeing or your retirement, carefully define these goals and figure out how much you’ll need to save so you can craft a plan to get there.Įver heard of compound interest? This process allows the interest on your savings to earn more interest. If you don’t have a set destination to work towards it can be hard to find the motivation to save. Here are some fundamental truths of personal finance that everyone should be aware of. With some smart planning, a good strategy and understanding of the basics you should be able to develop the money-management skills you need to get your finances under control. Navigating the world of personal finance can be overwhelming, even for an adult who has quite a bit of experience in the working world. Develop These Money-Management Skills to Get Your Finances Under Control
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![]() ![]() One of Germany’s leading journalists made this unflattering remark: “She hardly exists as leader of the executive. As a result, she is seen by many as a lame duck. Chancellor Angela Merkel announced that she would not run again in 2021, and she has already withdrawn as party leader of the Christian Democrats (CDU). The federal government will be mostly incapable of showing leadership in domestic and international affairs this year. The party system will become even more fragmented and the overall governance system even more obstructive. I expect the government to become even more debilitated, perhaps even to the brink of collapse. In my last year’s report on the German economy, I described the country as “ the exhausted man of Europe.” The very same title could be used for this report on German politics and leadership in 2020. This new series of GIS reports examines how effectively countries are ruled and the consequences of governing systems for economies, societies and nations’ development prospects. The Greens are likely to become kingmakers after the 2021 federal elections.The Christian Democrats may survive, but will need to seek new allies to govern.There are no strong candidates that could succeed Chancellor Angela Merkel.(Many political observers in Germany speculate that Schröder engineered an early election in part to force the CDU to go with Merkel rather than give the party time to replace her with a stronger candidate.) As recently as February, the Times of London declared that “Angela Merkel’s chances of becoming chancellor are fading.” A weak administration is hardly the best vehicle for pushing through painful reforms. Until Schröder’s election call, in fact, her star was on the wane in December she won her third election as party chair by the slimmest margin of her career. She rose to power by aggressively knocking off established party members, and after a series of political blunders (most notably her vigorous opposition to Turkish membership in the European Union, which drew loud protest from minority voters), Merkel has come under attack from opponents bent on payback. On the surface, the debate is over the extent of CDU reforms, but it is also a proxy for a personal war over Merkel herself. ![]() Voter schizophrenia is exacerbating tensions within the CDU, which is actually an alliance between the more free-market-oriented Christian Democrats, from which Merkel hails, and the more economically liberal Bavarian Christian Social Union. It is consensus-bound and thus veto-driven.” “Germany is a corporatist construction, with power finely balanced among society’s forces. “She is no Thatcher, because Thatcherism requires first-past-the-post voting, which magnifies the edge of the ruling party,” says Josef Joffe, editor and publisher of the weekly paper Die Zeit. * Thus, the chancellor is at the mercy of myriad factions and local power centers, any of whom can upset a risky reform package. But whereas in Britain and elsewhere the party with a plurality of votes can still form the government (known as “first-past-the-post”), Germany requires an absolute majority before a party can take power, meaning that the power of the leading party is usually diluted by its need to form a coalition with smaller parties. Compared with Britain or France, Germany’s political structure gives much more power to the states and quasi-public institutions-such as unions-at the expense of the chancellor, who, as in Britain, is chosen not by direct election but by the winning party. As Schröder and his predecessors can attest, it’s tough to be chancellor. This helps to prevent the dip from getting "wet" while refrigerated. Spread the bean mixture in an even layer over the bottom of. Add the black beans and mash until smooth. TIP: I slice the toppings like tomatoes and olives on a layer of paper towels so that the juices get soaked up, and then transfer the toppings to the dish after they have had a chance to drain. Five Layer Bean Dip In a large saucepan heat the oil.Serve with tortilla chips, pita chips or even sliced vegetables for dipping.If serving cold, top with layers of remaining toppings, cover and refrigerate until ready to serve, Allowing it to chill for at least 30 minutes will help to meld the flavors.Sprinkle sliced green onions, diced tomatoes, and sliced olives over top the sour cream. Spread sour cream mixture over refried beans. Mix together sour cream, mayonnaise and taco mix. Personally, our family likes it cold, and it's easier to serve cold for parties. In a 13 x 9 inch baking dish, spread refried beans to cover the bottom. Serve the toppings in small dishes on the side. At this point, you can bake the dip at 350 for about 20 minutes or until bubbly. Sprinkle the two shredded cheeses evenly over the top of dish.Bring this 5 Layer Dip to your next Super Bowl party, game day, BBQ, pool party, fourth of July, or a fun girls night in. In sauce pan, combine refried beans and salsa. Our Mexican-inspired dip calls for all the dip greats, including our masterfully seasoned Refried Beans. This delicious party appetizer is made with layers of refried beans, sour cream, taco sauce, veggies, and lots of shredded cheese. Take your chips for a dip in this 7-layer masterpiece. Pour sour cream mixture on top of beans in baking dish and spread evenly. In large skillet, brown ground beef over medium-high heat until thoroughly cooked, stirring occasionally drain. 5 Layer Mexican Dip is easy, creamy, and spicy. ![]() If you like it spicier, you can also had a few drops of hot sauce at this point and stir well. In the now empty bowl, mix softened cream cheese and sour cream until smooth. ![]()
![]() We can repair QuickBooks Desktop, Schnuggs. I'd like to refrain from doing a clean install as long as possible. Although running as user is still possible, updating as user is not. I'm also now unable to open QuickBooks as admin, as it just pops up with a "restart required" message, then closes. I'm not really sure where to go from here, but it appears to be an unbreakable loop.
![]() On January 29, 2020, Tesla reported in its Q4 2019 earnings report that Model Y production had already started in the Fremont factory, that one can now place an order for their premium versions with all-wheel drive, and that delivery of Model Y would begin in Q1 2020. ![]() Two months later, in May 2019, Tesla said that they instead planned to shuffle production lines at the Tesla Fremont Factory to make space for Model Y production. Tesla originally announced plans at the unveil to assemble the Model Y at Giga Nevada (in Sparks, Nevada), along with the battery and drivetrain for the vehicles, unlike the Model 3, where drivetrains and batteries are assembled at Giga Nevada, with final assembly completed at the Tesla Factory in Fremont, California. This section needs expansion with: article is oddly missing nearly all information on actual production since Model Y production began in 2020. Automated parking features relying only on the camera were shown to be unreliable. In early 2023, Tesla removed the ultrasonic parking sensors. Vehicles manufactured from April 2021 no longer include radar for adaptive cruise control. Vehicles manufactured from May 2021 lack lumbar support on passenger seats. ![]() On March 13, 2020, Tesla made their first deliveries of the Model Y, along with publishing its owner's manual. The Fremont factory was changed to accommodate production of the Y. Due to its larger size, the Y consumes more energy than the 3, and thus has shorter range. Test drives of multiple Model Y vehicles were also offered to attendees after the presentation. On March 14, 2019, Elon Musk premiered the Tesla Model Y at an event at Tesla's design studio in Hawthorne, CA, where specifications were announced and the vehicle was shown. Musk confirmed the vehicle would use standard doors, as opposed to the falcon-wing doors used on the Model X. On March 3, 2019, Elon Musk published multiple tweets, announcing the unveiling event and confirming some specifications. In October 2018, Elon Musk revealed that he has approved the finalized design for the first production version of the Model Y, however production would not start until 2020. The Model Y announcement had been planned for 2018 however, production problems with the Model 3 resulted in it being pushed to 2019. With the new image, it was stated that the Model Y would be formally announced in March 2019. In June 2018, a new silhouette was revealed by CEO Musk. Elon Musk also announced that the Model Y would be produced in a new factory, as it was not likely that the Fremont plant would have room to accommodate another production line. In 2017, the Model Y's silhouette was teased to Tesla shareholders at the annual general meeting in June. In 2015, Elon Musk teased a Model 3-based Model Y with falcon-wing doors. In 2013, Tesla Motors filed to trademark "Model Y". Tesla Model 3 (left) and Tesla Model Y (right) side by side The recipe that was the most appealing to me was the one from Claire Saffitz from BA's kitchen. Which is why I was so excited to make it! Coconut Caramel Secret Layerįrom what I gathered reading various resources, the crust is usually a cookie crust, just like the one for cheesecakes. We definitely do love creamy things, pastry cream/custard is a component most usually find in Croatian desserts, but the coconut part is certainly an unusual one. I've never actually tasted or made Coconut Cream Pie before, because it's not a thing here in Croatia, unlike the USA. □īefore making this pie, I did a little research. I'm not a fan of coconut extracts and essences, they sometimes taste like sunscreen to me, but if you feel like there isn't enough coconut flavour and you have your favourite extract, go for it. The coconut flavour from the milk really came through lovely. But I used slightly less cornstarch as a thickener, because I didn't want the filling to be too stiff. I based the coconut cream filling off of my pastry cream recipe. Guess I'll have to hurry up that trip to Vietnam. Which means there are even better coconut milks waiting for us in Southeast Asia. I used this brand, which is the only one (cartoned) currently available in Croatia, but I also found out that it's the cheapest one in Thailand. ![]() I decided to use the best cartoned coconut milk I could find. Omg, the smell is mesmerizing, as is the taste! Coconut cream fillingĪfter what I've discovered, making a coconut cream filling was a no brainer. ![]() But I also never find it to smell good, unlike the coconut milk in carton. I've had no problems using it in cake batter, though. Did you know that real coconut milk comes in cartons, not cans? Huh, I was surprised, too.Ĭanned coconut milk is often too gloopy with fat and water content separated, which is then hard to emulsify. This Coconut Cream Pie has a coconut cookie crust, coconut caramel layer, delicious and silky coconut pastry cream made with real coconut milk and is topped with fluffy whipped cream!Įver since I got back from Thailand, I've been slightly obsessed with coconut and couldn't wait to make a creamy coconut cream pie. The robots built by Vicarious Surgical use just a single small port, requiring an incision as little as 1.5 cm to put in a camera and robotic instruments and then transfer management to a human surgeon. Surgical robots are solutions built at the intersection of robotics and virtual reality. All of the company’s solutions are accredited by the Royal College of Surgeons of England, and the company has a strategic alliance with Mayo Clinic. The company has two solutions: HapticVR, which combines force feedback technology with VR to create extremely immersive and realistic simulations, and HomeVR, for stand-alone headsets for at-home training. Practicing in a safe, controllable space is a huge benefit for surgeons who want to enhance and rehearse their skills before operating on real patients. Let’s review the market for VR simulations, consider what this technology offers to the healthcare industry and learn about some of the providers.įundamental VR builds multimodal software platforms that take advantage of available VR hardware, both tethered and stand-alone, to let surgeons learn new or practice existing skills. Can you imagine how much that will influence medical care? The key growing domain will be in surgical solutions, and we’ll discuss those first. Research suggests an expected growth of AR and VR in healthcare at a CAGR of 30.7% by 2025. Years passed, technologies moved forward, and VR came along as an advanced tool to enhance and upgrade simulations of myriad medical activities. ![]() In the United States, the company is also the leader in numerous packaged meats categories with popular brands including Smithfield®, Eckrich®, Nathan's Famous®, Farmland®, Armour®, John Morrell®, Cook's®, Kretschmar®, Gwaltney®, Curly's®, Margherita®, Carando®, Healthy Ones®, Krakus®, Morliny®, and Berlinki®. Smithfield Foods is a $14 billion global food company and the world's largest pork processor and hog producer. Our product line includes fully cooked and traditional bacon, bacon pieces and toppings, dry sausage, pepperoni, ham, deli and sliced meats. The product delivers the delicious and one-of-a-kind taste food enthusiasts have come to count on from Patrick Cudahy's other offerings, such as Sweet Apple-Wood Smoked Bacon and other smoked meats.įor more information about Patrick Cudahy please visit Patrick Cudahy is a brand of Smithfield Foods.įor more than 125 years, families throughout the Midwest have known the name Patrick Cudahy as one they can count on for quality, value and for the unmistakable flavor of Sweet Apple Wood. Patrick Cudahy is now offering All Natural Uncured Black Forest Thick Cut Bacon in 20-ounce packages at select grocery stores throughout Wisconsin. ![]() "There is simply no replicating the look, feel, and texture of uncured, naturally smoked bacon, and we're excited to add this premium Black Forest bacon to our portfolio that we know our consumers will enjoy with their families and friends." "Patrick Cudahy is always looking for innovative ways to make flavorful products, while carrying on the tradition of quality and value our consumers expect," said Bud Matthews, Patrick Cudahy senior vice president. Patrick Cudahy's All Natural Uncured Black Forest Thick Cut Bacon is crafted to meet consumer demand for cleaner, leaner and minimally processed meats without sacrificing the taste of robust, hardwood smoked flavor. The new thick-cut uncured bacon is the first of its kind in traditional grocery stores, as this premium product is all-natural and gluten-free with no added nitrates or nitrites, and has no artificial ingredients. The packaging speaks to the new product's consumer target, with a contemporary and stylish label. Using hardwood chips to deliver a robust smokiness, the All Natural Uncured Black Forest Thick Cut Bacon delivers an aroma certain to make mouths water. ![]() The bacon is produced through Patrick Cudahy's exclusive smoking process slowly and naturally smoking the bacon to create a quality and flavor that has been the cornerstone of its success for over a century. Wisconsin-based Patrick Cudahy is proudly introducing a new, premium addition to its line of delicious smoked meats, All Natural Uncured Black Forest Thick Cut Bacon. – Patrick Cudahy®, the Home of Sweet Apple-Wood Smoked Flavor, is once again delivering innovative and exciting products that families, and a new generation of food enthusiasts, will enjoy. |
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