These numbers blow my mind, and I'm grateful to everyone who contributed to its growth. I've made 111 videos, that have been watched over 913436 times, and as a result, I managed to gather 3600 loyal subscribers. I've been running a YouTube channel for 933 days now. ![]() I take pride in this transformation and enjoy every moment spent in this virtual world. It opened my mind to new horizons, exposing me to different people, beliefs, cultures and trends, allowing me to understand and accept previously unknown concepts. People sometimes give me funny looks when I talk about it, but over the past two years, it changed me a lot. I'm super into virtual reality and I believe it's our future, even though I'm not sure we're totally ready to face it.īut VR isn't just a hobby for me, it's a big part of my life, especially since I've moved most of my social life to VRChat. I have to confess that in the symphony of my existence, technology takes center stage, and, well, I've fallen deeply in love with its harmonious notes. Nevertheless, I'd be dishonest if I didn't admit to spending countless nights with the code. Speaking of magic, it's worth noting the mysterious ERP, which I don't engage in. However, I'm far from reaching Charlie-San's level of initiation. My years of commitment to the study of magic have given me the chance to explore various technical areas, including but not limited to: C++, C#. My character specializes in the broad field of "computer science" covering programming, business applications, micro controllers on both software and hardware sides. My current spawn is located in East-Central Europe, though the future remains uncertain. ![]() I've spent 9946 days on the "Earth" server, reaching 7 lvl with 20 experience points. I'm Richard Virgosky, affectionately known as Uncle Richard among friends, here's a brief overview of my character:
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Additional Budget Planner Reviews & Resources.Clever Fox Budget Planner ( Editor’s Choice) 10 Best Budget Planners To Organize Your Money.When the issuer learns of the death, either from the person settling the estate or from Social Security, the account is usually closed. If you’re the authorized user, you’re technically not supposed to use the card after the primary account holder dies. If you have a card with your spouse, typically one of you is the primary account holder and the other is an authorized user. ![]() Credit cards, though, are usually a different matter.įew credit cards are joint these days. You typically can change the name on jointly held accounts to your own by notifying the institutions of your spouse’s death and submitting the death certificate. In community property states, both halves of the home get this step up. This reduces how much of the home sale is considered profit and, in turn, how much capital gains taxes might be owed. At least half of a jointly owned home will get a favorable “step up” in tax basis at a spouse’s death. Just don’t assume that selling is the right choice, even if reducing taxes on home sale profits is your main concern, Murray says. But a survivor has two years from the date of their spouse’s death to sell a jointly owned home and claim a $500,000 exclusion. Normally, a single person can exclude a maximum of $250,000 in home sales profits from their income. You have a little more time to decide what to do with a house you owned with a spouse. If your spouse was using a large loss to offset investment gains or income in subsequent years, a tax pro can advise you whether to sell some winning investments to use up that carryover. ![]() Also, the ability to “carry over” investment losses ends when the person who incurred the loss dies, Collado says. This so-called “widow’s penalty” is the result of shifting from a favorable married-filing-jointly status to a less favorable single status.Ī tax pro can help you estimate how your tax bills might change, advise you on how to handle inherited retirement accounts and suggest possible tax savings in the year your spouse dies, says CFP Marianela Collado in Plantation, Florida.īefore the year ends, for example, you could take advantage of joint filing rates to make Roth conversions or taxable withdrawals from retirement funds. You may pay less for health insurance and groceries, for example, but your tax rates may go up, even if you have less income. While some expenses may diminish or go away, others may increase, says Jennifer Murray, a certified financial planner in New Providence, New Jersey, who was widowed at 43. If money is tight, look for resources that provide free or inexpensive advice, including the Foundation for Financial Planning’s pro bono financial services and Advisers Give Back, a nonprofit that links people who need financial coaching with certified financial planners. Figuring out how to create a sustainable income stream from these resources can be complex, so consider getting help from a fiduciary financial advisor. ![]() You also may have life insurance proceeds, investment accounts or retirement funds you could use for living expenses. If you have minor children, you may qualify for additional Social Security benefits.
![]() Flour: The flour provides the main structure for the cookies.These cookies have also been successfully tested with Ener-G egg replacer as a vegan option. Egg:The egg will help leaven and bind the cookies.Dark brown sugar will add even more chew. Sugar: Brown sugar is used as the sweet component in these cookies because it creates a more chewy cookie and also adds more depth of flavor.Salted butter can also be used, but omit the added salt in the recipe. Real unsalted butter is definitely preferred in this recipe, but non-dairy butter can be substituted for a vegan option. The process of creaming the butter and sugar also helps leaven the cookies. Butter: Butter adds richness and flavor to the cookies.Swap out the raisins for chocolate chips, dried cherries, nuts, or any other mix-ins you enjoy in your oatmeal cookies. This recipe can also be seen as sort of a base recipe for chewy oatmeal cookies.Check out this article for more details on quickly bringing butter and eggs to room temperature. If you did not have time to plan ahead and bring your butter and egg to room temperature, you can do it quickly by heating the butter in very short burts in the microwave and by covering the egg in warm water.Raisins can simply be soaked in water, or try bourbon, spiced rum, or coffee liquor for even more flavor! Soaking your raisins overnight (or for 15 minutes in hot liquid) will soften them and create a more desirable texture in your cookies. ![]() ![]() This results in an easy oatmeal raisin cookie with very few ingredients! Tips, Tricks, and Techniques The creaming process of the butter and sugar along with the addition of the egg make the cookie rise without the need for any other leavening. You may be surprised to see that this recipe is made without baking powder or baking soda. Butter and sugar is mixed together with an egg, some oats, flour, and raisins to create a cookie that is slightly crispy on the outside and moist and chewy in the center. Simply perfect oatmeal raisin cookies really only need very few ingredients. This recipe calls for very few ingredients and is made without baking powder or baking soda. This simply perfect version of classic oatmeal raisin cookies are incredibly easy to make and turn out soft and chewy with hints of cinnamon. Most of the low ratings say their accounts got blocked. Some features I love: message and post translation, deviralization of posts, levels of privacy settings of your posts, invisibility of your comments and likes of your friends’ posts from their friends who you aren’t friends with which also makes your posts’ like counts visible to only you, making stickers with your own pics or vids, easy voice message usage, really high quality video calls (much better than messengers). It’s literally the best social media app I’ve used!! i don’t hate the app, in fact i like it, its just that i was really bummed out on why they blocked my previous number for no reason also don’t forget you can change your wechat language to english, if you don’t know lol, you can change it from your settings too :-) Hopefully this may be helpful to some people, i downloaded this app last year and i was able to sign up, i made a new account and everything was fine, until a few days later when i wanted to open the app, it said that i got blocked and i needed to have someone else to help me unblock my account, so basically i did, and i tried it with 5 different people, and none of them worked, i deleted the app and re-downloaded but nothing happened, and my account was gone just like that, i was extremely devastated because i have friends on wechat and thats the only app i can communicate with the through, so basically my number was blocked from that app for whatever pathetic reason in the end i had to actually change my phone number and i made a new account and it worked, and ever since then i never got blocked, im still using it today and im writing this so that whoever is confused may find this useful.
![]() ![]() This black and beige themed newspaper template exudes elegance with its clean and stylish style. This is an option if you want to make your concept map more visually appealing. Canva enables individuals and businesses to easily bring their creative ideas to life. Canva's templates, whether you're a skilled designer or a beginner, provide a creative starting point and enable anyone to create visually attractive designs without extensive design expertise or skills. The templates address a wide range of design requirements, such as social media graphics, presentations, flyers, posters, and more. Canva's user-friendly interface makes it simple for users to create great designs by customising templates with their own text, photos, and colours. Step 4: Users can edit their template on the browser, or download their template which can be edited on WPS Writer.Ĭanva is an online design platform that provides a large selection of customisable templates for a variety of design projects. Step 3: Browse through the categories or simply search for your desired template using the search bar. Step 2: Sign-in to access a variety of templates available at WPS Delight your guests with this stunning invitation that, with its captivating floral design, evokes the soul of your special day. With this template, you can easily customise the text, fonts, and features to match your unique style and theme. The flowers' vibrant pastel hues offer a sense of enthusiasm and warmth, setting the tone for a lovely celebration. This lovely design is ideal for couples looking for a romantic and sophisticated touch for their wedding invites. Downloaded in high resolutionĪ lovely wedding card template featuring vibrant pastel-coloured flowers. 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Step 2: First time users will need to sign-up to access Flipsnack. ![]() Step 1: Visit Flipsnack official website. Here is the guide to customise this template for your own use: This elegant 6 pages template is very easy to use. ![]() This simple yet sleek template is perfect for those who are minimalistics and do not want a lengthy newspaper template. The majority of the services are not free.Įxample Professional Blank Newspaper Template There are numerous resources from which consumers can choose. Users can create templates that match their needs in a variety of ways. Flipsnack also allows you to share and embed your publications online, making it a versatile tool for creating and distributing digital material. It has an easy-to-use interface as well as a variety of templates and design options to make your publications aesthetically appealing and interesting. Flipsnack allows you to convert static PDFs or create unique publications from scratch, including interactive components such as links, videos, and audio. Flipsnack - Best Newspaper Templates for Business/Schoolįlipsnack is a digital publishing platform that lets users create and distribute interactive flipbooks, magazines, catalogues, and other types of content. This tutorial empowers users by providing insights into several template sources for efficient newspaper creation. This article answers often asked questions such as where to obtain templates, how to choose the best one, and how to effortlessly download and alter them. Finding the ideal free newspaper template among a sea of possibilities can be tough. Jump Up is a quite handy 3rd skill if they get that far and if you do roll doubles Block probably compliments the skills best. Aiming for the common Side Step and Diving Tackle combo and sticking them either on ball carriers, receivers or in a running lane to block it off. This is probably the most useful build as you can’t rely on getting double rolls for skill increases. Normal: Side Step, Diving Tackle, Jump Up.If you do get a long life Goblin and are stuck for a skill choice then head over to the forum and ask for advice. I also wouldn’t expect a very long life from them, so wouldn’t worry too much about getting more than 3 skills. How you skill up a goblin will usually depend on how early you roll doubles on them. Also with the Stunty skill, Goblins can run into a half cage formed on the sideline and try and push the ball carrier into the crowd, no one else on the team is likely to be able to do this without having to dodge in on a six roll. You can also use Goblins to foul the opposition, you may get a really cheap player sent off, but hopefully at the expense of a much more valuable opponent. Also by sitting in a cage it is unlikely an opposing player will just run up to them and hit them. Goblins can also do well as ball carriers sitting in a cage, they are faster than Throwers and can dodge better. Don’t go overboard with dodges either, if you want to run through loads of opposing players make sure there is a good reason to be doing so, like picking up a loose ball. If you don’t then you will soon find them being squished and off the pitch. Running them down field as lone receivers won’t really work either, you need to support them with your Blitzers. ![]() Don’t leave them next to players to get blocked next turn, especially if the opponent has either Block or Tackle or even worse, both. To prevent this you want to keep them as safe as possible and only take risks with them if the pay off is worth it. You can be sure that if you do have Goblins on the pitch, the other team will do their best to target them. The trouble with Goblins though is that they are weak and low armoured so are rather fragile, Orc players are usually hard to remove from the pitch so fielding Goblins can lead to you being outnumbered which isn’t something an Orc team likes to be up against. Goblins are also cheap which can free up more cash to buy other things when starting a team as well, though as Orc players aren’t exactly expensive and you don’t have to spend out money on getting nine Fan Factor any more, I can’t really see much need for this. This can either make the cage easier to move, or possibly use the Goblin as an outlet as a more traditional receiver. Their extra movement and ability to dodge through tacklezones can help with stretching the defence out. Goblins do provide more manoeuvrability around the pitch which is something Orc teams lack. There are some coaches who really shun the Orc way and decide to go all out with four Goblins, against most other rookie sides they can be really effective, though would hate to be facing a Dwarf team during a match. Usually skilled up for Throw Team Mate duty, or as an extra snack for the team’s Troll, or for drives when they need to score quickly and a passing play is likely to be needed. Of course no real Orc would want to be seen dead playing with Goblins on their side, though some coaches have strong enough will to keep their players in line and add one or two Goblin players to the side. Whilst not exactly fast, Goblins are fast compared to most players on an Orc side and with agility skills access they can be built to be an effective catcher for a passing game. The most obvious perhaps is that they allow the Orc team an easier one turn touchdown option in combination with a Troll and the Throw Team Mate ability. ![]() The fact that they offer these traits though opens up some extra options to the Orc team playbook. None of these are traits you would usually associate with an Orc side. To look at Goblins they appear somewhat out of place on an Orc team, they are low armoured, weak and get agility skills. In Rome 2 every Faction is part of a specific Culture, and each of those Cultures is part of one of four broad Cultural Groups. Factions in Total War: Rome II Ranging from the Spanish coast to the far-flung, exotic kingdoms of the east, the campaign map for Total War: Rome II is breathtaking in scope, and a study in detail and variety. and if you want to play as one of the insignificant non playable factions, just download the mod that unlocks them all. Its timeline is the early roman expansion, so. the fact you dont need to unlock new factions doesnt mean there is somehow less of them. That checkbox is just a shortcut, so you dont have to play a couple campaigns first to play other factions. Nevertheless, I put this thread together, which I hope can provide useful tips. Overview: Factions, Cultures and Cultural Groups. If you dont select 'unlock all factions' you will only have the roman factions and you need to defeat the other factions in your campaign game to unlock them. new factions weren't introduced until expansions came (which would just be large DLC today, as DLC just means you don't need a physical medium to distribute the item). The only difference is that you can now play who you want from the start instead of being forced to play Rome to unlock others. ![]() Patch4Beta STARTPOS and PACK files updated. Rome 2 has 9 in the base game and free Pontus. I create hundreds of mods in various games for the community and have limited resources that are not sufficient to continuously solve individual user problems that are not caused by my mods. Unlocks ALL factions as playable in Total War: Rome II and offers a starting foundation for all factions. Rome: Total War had a range of playable factions, each with its own pros and cons. RELATED: The Best Historical Total War Games, Ranked. Please read the thread, search the web or contact support to find a solution. With Total War: Rome Remastered having released in 2021, we revisit this iconic strategy game and go back in time to the original game, released almost two decades ago. If it doesn't work for you, something must be wrong in your game settings. If you find any bugs or issues please look into the Troubleshooting thread. Enable Unlock All Factions, located under ROME: TOTAL WAR SETTINGS. If you and your partner have the same mods activated you'll be able to play with unlocked factions in your multiplayer campaign. From your Home screen, open the Settings app. Link to Sir Swag's channel - https://www. I took a lot of inspiration from Sir Swag's content. ![]() ![]() Note: Turns per year cannot be changed on a running campaign. Here's a silly description of all 21 Rome: Total War factions. Turns per year add-ons can be find under the links above. Please check your other mods before complaining the factions aren't unlocked! However, it should work with almost every other mod, even with mods that change another campaign's startpos. Campaign overhauls are usually not compatible with a mod like this. 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T4 Versa features a smaller motor and a space-saving offset of only 12.25” that fits under standard 14-inch coping, eliminating the increased expense of larger coping. ![]() With a smaller offset and a rope option, the T4 system can be mixed and matched by preference: ![]() “Now, with this new T4 lineup, we can truly offer a range of choices to suit any pool or spa with an advanced design that offers the same safety and reliability and doesn’t detract from a pools aesthetics.” “Having invented the first automatic pool cover back in 1959, we have a long history of pioneering new technologies to further improve on our product and provide the safety and reliability that pool owners depend on,” said LaMont Drechsel, Vice President and General Manager, Cover-Pools. 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Our team of experts collaborates closely with engineers, architects, and builders to ensure that we can fulfill your vision of the perfect Automatic Pool Cover, no matter the complexity of the challenge.Cover-Pools Expands Its Most Advanced Automatic Pool Cover SystemĬover-Pools’ NEW T4™ lineup now comes with options to cover all your pool and spa needs We continuously strive to keep up with the latest pool design trends, constantly generating fresh and inventive approaches to cover any pool. Since our inception, we have been dedicated to designing custom covers that prioritize the safety of families and their pools, while seamlessly accommodating a wide range of pool shapes and design features. Our commitment to innovation led to the patenting of the Automatic Pool Cover in 1962, solidifying our position as pioneers in the field. 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