Variable expenses can be tougher to budget for, but they can also provide more flexibility to your budget. Variable expenses include costs that can change from month to month, like food, gas, or entertainment, depending on your behavior. Manage your fixed and variable expensesĬertain expenses, such as your cell phone or car insurance bill, typically stay the same every month. Bonus: If you can do that, you’ll also reduce the amount of interest you’ll have to pay while in school or after you graduate. Opening a cash back checking account or using a cash back rewards credit card to earn rewards 1 for purchases you already make.įocusing on what you must pay for first can help to lessen the debt you acquire, Waters says.Asking for student discounts when shopping in person or looking for online discounts.Buying snacks in bulk or cooking meals that are large enough that you’ll have leftovers.Renting, borrowing, or buying used textbooks.To make that easier, Waters says you can find ways to reduce your expenses, such as: Whichever kind of college student budget you choose, make sure necessities such as your tuition payment (if you’re paying for school yourself) or things like bus fare to get to your part-time job are covered. As your needs change, so should your budget. If you’re consistently under or over, see if there are areas where you can save more or spend less. Once you’ve set a budget, keep track of it. Once you hit the limit in a given category by running through money in its envelope-whether literal or digital-you can’t spend any more in that category until the next budget period begins. You can also go with the envelope system, which involves setting aside a limited amount of money for each spending category. You could try the 50/30/20 rule, which allocates 50% of your money toward needs (food, textbooks, tuition) 30% toward wants (entertainment, clothing) and 20% toward savings. There are different budgeting styles, and Waters notes that one might fit your specific situation better than another. (Refer to the list of expenses you created when assessing your expenses.) Then decide how much you must spend for each and assign a dollar amount or percentage to that category. Your budget should contain categories for all your major spending groups. Here’s how to budget as a college student: 1. Making and following a college student budget is the best way to ensure you have enough money to pay for the things you need while still having some money left over for the things you want. Check out these tips to help you make money as a college student. If you’ve gotten this far and you already realize that your expenses weigh in heavier than your income, consider ways you could start giving your income a leg up. The point is to add up everything, Waters says. Transportation (airfare, bus tickets, car insurance, gas).Entertainment (movies, fun with friends, streaming services).You should account for every dollar you’ve spent, Waters says, separating expenses into common categories such as: To do that, refer to your debit and/or credit card statements, plus any record of money sent through payment apps. Waters recommends looking back at three months’ worth of your expenses. Next, figure out how much you’re spending each month. That includes money from a part-time job, financial aid, stipends, grants, loans, or a monthly allowance from your parents. How should students pay for monthly expenses? Start by writing down all the sources of after-tax money you get each month, Waters says. You can use anything from a simple spreadsheet to a budgeting app to track your income and expenses. Assess your income and expensesĪs you begin building your college student budget, you first need to figure out how much money you have coming in and how much you have going out. Whatever financial issue is giving you trouble, Katie Waters, CFP®, founder of a financial planning firm, has tips for how to set yourself up for success. Need to make sure you have enough for textbooks, rent, food-and some left over for a little fun? Want to spend a semester abroad? Creating a college student budget can help with these goals and more. When done right, a budget can help you limit debt, build some savings, and accomplish your goals. But this transition also comes with different financial realities-and the need to develop new skills around spending and saving money.Īlong with navigating your new campus and sharpening your study skills, there’s another key lesson to learn: how to create a college student budget. College is an exciting time: You’re surrounded by new people, new opportunities, and a chance to dive into the next chapter of your academic career.
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There’s nothing worse than being so close to winning- just to have someone else pull ahead with a last-minute settlement! When someone reaches ten victory point tokens, that person wins immediately. You gain more victory points than others when you build cities because each city counts as two settlements in terms of scoring! One way players acquire points during gameplay is through collecting certain numbers/combinations of different types of resources. For example: If a player has at least one sheep and one wood then the “building cost” for buying a road card would be waived (because it requires both wood and wool). Development cards can be purchased using resources, but they are only available if you have the right amount of resources or trade combinations. The objective of Catan is to grow your empire by building structures and acquiring development cards. This keeps the game exciting and makes each turn meaningful in terms of resource gathering. Also, since there are limited numbers of important resources, it is impossible to “stock up” on them. You never know what kind of terrain or buildings might pop up on your island next! Each player starts with two settlements, but can only build one more per turn until they upgrade their settlement to a city (which allows them to build another). The “board” gets randomized using several dice rolls at the beginning of each new round, making for interesting twists during gameplay. Each island has its own resource mix meaning no two games are ever alike! This simplicity is part of Catan’s charm and why so many people enjoy playing it.Ĭatan also uses a random board generator, which means that every time you play the map will be different. There aren’t any complicated rules or big rulebooks just easy-to-follow instructions which allow most players to pick up the game within minutes of opening it. One reason Catan is so enjoyable is due to its simplicity. We appreciate this aspect because it provides longevity to an already great game system. The potential variety of strategies leaves room for future expansion packs! This way new elements can be added without changing gameplay drastically. Alternatively, you can compete with the neighboring islanders by attacking them (although this will likely result in a war that depletes all parties involved). For example, you could focus on trading resources with other players or hoarding your own supply of resources. The game is very open-ended and allows players to play in many different ways. The game is won by the player who earns ten victory points, which are acquired through building structures or acquiring development cards. Players use resource cards such as bricks or wood to build said things on the ever-changing map. The goal of the game is to create their empire through collecting resources and building roads, settlements, cities, and knights. In case you have been living under a rock for the last 20 years, Catan is a board game developed by Klaus Teuber. CATAN Cities and Knights Board Game – Best for People Who Like Strategy Catan Explorers and Pirates Board Game Expansion – Best for Fans of Exploration CATAN Starfarers Board Game 2nd Ed – Best Catan Expansion for 2 Players A Game of Thrones CATAN Board Game – Best for Fans of the TV Show Catan Seafarers Board Game Expansion – Best Catan Expansion However, most of the available literature focuses on the current use of HFNC, which is limited to hospitalised patients with respiratory failure. Finally, in the last few years the development of simpler and user-friendly HFNC devices, suitable for low-level healthcare settings or home use, has provided a new opportunity, still to be explored, for managing patients with chronic respiratory conditions or for domiciliary palliative care.Īrticles and reviews/meta-analysis on HFNC have been constantly increasing. 8, 9 More recently, the use of this new device has spread out of intensive care units (ICUs), particularly the respiratory units where it is widely and increasingly used, often replacing NIV in the management of respiratory failure from a variety of aetiologies. 7 Successively, HFNC has been investigated in adults with acute respiratory failure, gaining increasing popularity among intensivists. 3 HFNC was first introduced into clinical practice in the early 2000s as a noninvasive system to manage apnoea in premature neonates and since then its use in paediatrics, particularly in respiratory failure caused by bronchiolitis, is well established. This offers better comfort, compared with NIV, and a more efficient oxygenation than COT. HFNC is an emerging technique designed to provide oxygen at high flows (above 30 l/min) with an optimal degree of heat and humidification via an interface consisting of a silicone cannula that fits, without occluding, the nose. 5 Despite its effectiveness, NIV may be poorly tolerated, and even frightening, for a number of patients, due to the high pressures delivered in the airways, difficulty in synchronising breathing, claustrophobia, stomach distension and mask-related side effects such as nose sores and skin lesions over the bridge of the nose. 4 Long-term home treatment with NIV is also recommended by guidelines for hypercapnic patients with COPD. 4 In particular, there is compelling evidence that NIV improves outcomes in acute life-threatening hypercapnic respiratory failure in patients with chronic obstructive lung disease (COPD), and the use of NIV in these patients is now strongly recommended. 3 Noninvasive mechanical ventilation (NIV), usually coupled with COT, is a more advanced option to improve ventilation, reduce the work of breathing and improve gas exchange across a variety of aetiologies. However, only low flows of oxygen (up to 15 l/min) can be provided via a traditional cannula or mask due to insufficient heating and humidification of the inhaled gas that can give discomfort to the patient as the flow increases. the administration of oxygen via a nasal cannula or face mask, has been considered the frontline treatment for acute and chronic hypoxaemia for a long time. 1, 2 Conventional oxygen therapy (COT), i.e. Among these, high-flow nasal cannula (HFNC) oxygen therapy is an emerging form of noninvasive respiratory support gaining increasing attention among clinicians. In patients with respiratory failure due to a variety of chronic and acute conditions, different kinds of respiratory supports are used to improve oxygenation and ventilation. domiciliary treatment of patients with stable COPD), are currently under evaluation and will become a topic of great interest in the coming years. While the use of HFNC in acute respiratory failure is now routine as an alternative to COT and sometimes NIV, new potential applications in patients with chronic respiratory diseases (e.g. In recent years it has been adopted to treat de novo hypoxaemic respiratory failure, exacerbation of chronic obstructive pulmonary disease (COPD), postintubation hypoxaemia and used for palliative respiratory care. Clinically, HFNC effectively reduces dyspnoea and improves oxygenation in respiratory failure from a variety of aetiologies, thus avoiding escalation to more invasive supports. Physiologically, HFNC reduces the anatomical dead space and improves carbon dioxide wash-out, reduces the work of breathing, and generates a positive end-expiratory pressure and a constant fraction of inspired oxygen. High-flow nasal cannula (HFNC) is an emerging technique, designed to provide oxygen at high flows with an optimal degree of heat and humidification, which is well tolerated and easy to use in all clinical settings. However, COT can be insufficient in severe hypoxaemia whereas NIV, although highly effective, is poorly tolerated by patients and its use requires a specific expertise. Conventional oxygen therapy (COT) and noninvasive ventilation (NIV) have been considered for decades as frontline treatment for acute or chronic respiratory failure. SoFi offers loan amounts from $5,000 to $100,000, making it a good option for borrowers who need more money than is available through Rocket Loans. Here’s how Rocket Loans personal loans stack up against other popular lenders: Rocket Loans Vs. The best personal loans offer competitive rates, flexible loan amounts and a wide range of terms. Although this may result in same-day funding, the average time to receive funds is two to four days. Rocket Loans offers same-day loan funding for borrowers who complete their application and sign the promissory note before 1 p.m. Once you sign the necessary documents, the loan is approved and funded. Finally, you’ll be presented with a promissory note and loan terms that summarize everything you’ve entered and chosen throughout the application process. Rocket Loans may also need to request supplemental documentation, although the lender aims to validate borrower information in real time. This is also the point at which Rocket Loans will verify your personal information, including income. Next, submit your application by providing additional details like bank account information. Once you enter that information, Rocket Loans will show you what loan options you qualify for so you can choose the loan amount, term and rate that fits your needs. This involves a soft credit check and will not negatively impact your credit. To start the application process, provide basic information-name, address, income, Social Security number and birthday-to see the rate you’ll qualify for. Follow these steps to apply for a Rocket Loans personal loan: Rocket Loans does not allow co-signers or co-applicants.Īpplying for a personal loan typically involves prequalifying for a rate, submitting a formal application and awaiting loan approval. Likewise, Rocket Loans considers each applicant’s debt-to-income (DTI) ratio with a maximum ratio of 40% and an average of 14% (exclusive of the applicant’s mortgage debt). Rocket Loans requires borrowers to have a minimum annual income of $24,000 for approval, but the average income among borrowers is much higher-$85,000. Borrowers without any credit history should consider a platform like Upstart that lends to those with no credit history. The minimum credit score required for a Rocket Loans personal loan is 640, although the average credit score of a Rocket Loans borrower is 710.īorrowers should have a minimum credit history of two years, but the average is 18 years. Meeting the requirements below won’t guarantee approval, but they can help you decide if a personal loan is the right fit for you. All lenders have their own unique underwriting requirements, but these typically include information from an applicant’s credit profile and other factors that demonstrate the ability to repay the loan, such as income. Personal loan applications are approved or declined based on a number of factors. Consider an alternative if you want to tap into similar bells and whistles. Some lenders provide perks like financial hardship assistance and flexible payments dates. Rocket Loans does not charge borrowers a prepayment penalty for paying off their loans before the end of their loan term.Īside from the autopay discount Rocket Loans offers, it doesn’t provide additional perks or features that are seen on other top personal loan lenders. Likewise, borrowers whose payments are returned due to insufficient funds or other reasons are charged $15 per occurrence. Borrowers who are late with a payment must pay a $15 late fee for each payment cycle the payment is late. Therefore, if you need to borrow a specific amount of money, you should consider this when requesting a total loan amount. As with other lenders, the origination fee is deducted from the balance of the loan prior to funding. Rocket Loans charges a loan origination fee of 1% to 7% that is in addition to advertised APRs. APRs range from 8.416% (rate with the autopay discount) up to 29.99% (rate without autopay discount). Borrowers can choose from 36- or 60-month loan repayment terms. Rocket Loans offers borrowers unsecured, fully amortized loans from $2,000 to $45,000. All mentions of the software being "fully made in China" have also been removed from the site. Meanwhile, all download links to the browser have been taken down from the company's official website. The American tech giant has yet to make an official comment on the matter. In an apology later posted to its official WeChat account, the company confirmed that it built its browser off Chromium, the open-source version of Chrome, according to state-run news broadcaster CGTN.Įxperts told the FT that Google has the right to stop Redcore from using their open-source elements, provided they didn't disclose the software's origins. 0,Carlinkit Apple CarPlay Wireless Android Auto USB Dongle for Modify Android. The public outcry came just one day after the company announced it had raised RMB250 million in its latest round of funding. Redcore boasts several big name institutions and companies as users of its product, including the State Council, PetroChina and the national space administration. item 1 1080p Wireless HDMI Dongle Works With Google Chrome and Lots More Chromecast 1080p Wireless HDMI Dongle Works With Google Chrome and Lots More Chromecast. The company had previously touted its software as being "innovative and world-leading," claiming it had "launched the world’s only purely China-owned browser. The controversy began after users found an original chrome.exe file, as well as image files of the Google Chrome logo, within the Redcore installation directory. Chinese startup Redcore has been subject to social media fury after users discovered that its software was very similar to Google's, the Financial Times reports. It is important to me to center the voices of those who carry the heaviest burdens from this climate crisis, particularly African American women, youth, and people of color. My intersectional identities and first hand experiences with these issues compel me to represent those most impacted by crises such as biodiversity loss, climate change and land degradation.Īs an educator by nature, I am passionate about empowering and supporting those who are most vulnerable. Q: What motivates you to pursue this challenging work?Īs a lifelong Michigander, I have a concern for natural spaces, biodiversity, Great Lakes, polluted spaces, and African American communities. In January, WMEAC named her its Director for Climate Solutions and Justice. She has explored climate change impacts on plant communities, conducted ethnographic fieldwork in collaboration with First Nations communities, and designed courses related to climate change, environmental studies, and sustainability. Deirdre is excited to lead our partnership with the National Climate Action Campaign (CAC) starting this year.ĭeirdre comes to WMEAC as an environmental justice professional, educator, and advocate for climate change displacement and marginalized populations. Her work centers on energy justice, democracy, volunteering, and engaging in climate discussions and policy work. Previously, she served as a team leader for the Empower Michigan leadership team, as an IDEAL committee member, and on WMEAC’s ACT policy focused committee. Deirdre recently joined WMEAC to direct today’s climate solutions and justice initiatives throughout Southwestern Michigan. This Earth Month, we are delighted to introduce you to Deirdre Courtney Nieves. With a background in Interior Design, Ariane blends human-centered design with sustainability so that client outcomes rely on reliable evidence to improve both the occupant experience and building performance. Her expertise includes workshop facilitation, resiliency planning, climate change adaptative design, change management, and positive psychology. She leads with an evidence-based, collaborative approach to sustainable design that results in positive, transformational impacts. Video AIA Future Focused Ariane Laxo, Allied AIA memberĪriane Laxo, Allied AIA member, is the Director of Sustainability at HGA, advancing the firm’s work on decarbonization, resilience, and fostering healthy communities. She loves traveling, learning about cultures and advocating for women in architecture. The spring of 2023 Paulina began freelancing with her own firm called PG Studio, opening up services of architecture, construction, interior design and decoration. After graduating, she was appointed to be the 2022–2023 Latin America Regional Director of the AIAS, where she had the opportunity to grow the number of chapters in the region and connect with students, professionals and faculty from all over Latin America. She was vice president of the student chapter of the American Institute of Architecture Students, Universidad de Monterrey (AIAS UDEM) from 2021–2022. She had the opportunity to study abroad in the spring of 2020 at the Politecnico di Torino (POLITO) and graduated from Universidad de Monterrey (UDEM) with a bachelor's degree in architecture in the spring of 2022. Video AIA Future Focused - Paulina Garza Gonzalez, Assoc. Stick to the main problem they have and what’s in the review. Stick to the issue. Don’t run away from the problem your customer’s facing. Let them know that you’re aware of the issue they’re facing, and you understand the caused “damage.”ĥ. Even if it’s not (completely), your fault doesn’t put the blame on them. Don’t run away from the problem, but instead, take responsibility and apologize for what happened. Apologize and sympathize. Showing sympathy to your unhappy customers can help a lot. You have to show appreciation to the person who took a moment to let you know about their experience so you as a business owner or general manager can make better and improved decisions in the future.Ĥ. Thank them for the feedback. No matter what kind of feedback you’re receiving, you should always thank. Give that to your customers, especially to those with negative experiences.ģ. Everyone wants to feel acknowledged and heard. Let your customer know that you’re not just copy-pasting the response, but you’re truly dedicated to the problem. Personalize the response. In the first place, it’s very important to mention their name. Instead, stay calm and try to understand what’s really going on.Ģ. It’s just an upset customer that didn’t receive the expected output (and it’s not always your fault). But try not to look at it as a personal attack. Don’t lose your cool. I know that reading a negative online review can upset you, and it’s normal. So think twice the next time you think of ignoring a negative review.Ħ steps for responding to negative feedbackġ. Also, responding to negative Facebook reviews or any other negative feedback on any social network is of huge importance. But, not only having business reviews helps in higher ranking. Helps with your SEO. Yes, good reviews on social media, Yelp, Tripadvisor, or Google My Business will place you on the first pages.No matter how small a business you are, you should practice reputation management if you want to “live online.” Don’t focus just on Google reviews or Yelp reviews, but monitor what image your brand holds across the web. It affects your online reputation. Handling negative feedback on review sites and review platforms is essential for maintaining a good business name.Responding to reviews instead of being neglectful builds trust. You’re showing that you care. Replying to a negative review shows that you’re concerned that your customer had a bad experience, and you’re taking action to make things right and ensure that never happens again.Knowing that you care about your customer’s experience, they will sympathize with you. You’re talking to everyone. By responding, you’re not just talking to the negative reviewer, but you’re talking to anyone who sees your online reviews and responses, including potential customers.And knowing that, your customers will feel more comfortable with you in the future. Answering a negative review shows that offline, behind your business, stands a real person. It shows your human side. Every live being makes mistakes.Your negative customer reviews require the same (and even more) attention as your positive reviews. Response templates for financial companies.Industry-specific response examples and templates.6 steps for responding to negative feedback. Her clients include “anybody that wants to explore their desires or indulge in their pleasures,” she says. “I quickly found out that sex rooms are the most wonderful rooms to design,” says Rose in the first episode. The show follows her as she creates sex rooms for a variety of couples. Designer Melanie Rose is a white-haired British woman who has made a career of creating dedicated spaces for sex and sensuality in people’s homes. Courtesy of Netflix © 2022ĭesign touches every part of our lives, and none of these shows illustrate that better than the surprise Netflix hit How to Build a Sex Room, which premiered in July of 2022. Host Melanie Rose (left) with a client on How To Build a Sex Room. New episodes will air on HGTV on Monday nights. Maxx or “cheugy” (let’s be honest, this is true of most shows on this list), it is fun to see Chelsea embracing her bold style away from the drama of her former gig. The mother of four, who welcomed daughter Aubree, now 13, with her ex Adam Lind on the show 16 and Pregnant and later welcomed son Watson, 5, daughter Layne, 4, and daughter Walker, 2, with Cole, describes her style as “ranch glam.” While it can veer a bit T.J. Fans will remember Chelsea’s bold, ever-changing, emo-influenced hairstyles and penchant for animal print, and though she’s clearly evolved, hints of that old style peek through in her designs. Down Home Fab premiered January 16 and follows Chelsea DeBoer (née Houska) and her husband Cole as they build their home renovation and design business in Sioux Falls, South Dakota. But time waits for no one, and these days, one former star of Teen Mom 2 has found a career as an interior designer and landed a show on HGTV. Nothing makes millennials feel older than realizing that the children of the stars of the MTV reality franchise Teen Mom (which first premiered in 2009) are now teenagers themselves. If her name sounds familiar, that’s because she got her start on the Netflix hit Selling Sunset.Ĭhelsea and Cole DeBoer renovating a kitchen on an episode of Down Home Fab. The Flipping El Moussas will follow him and his new wife, Heather Rae El Moussa, as they flip houses and prepare to welcome their first child together. These two programs seem to be on pause for now, but Tarek has another exciting venture premiering in February. Tarek has also starred in multiple spin-offs since his split from Christina, including Tarek’s Flip Side and Flipping 101, which sees him mentoring real estate novices and teaching them the basics of how to conduct a successful flip, from negotiating prices to meeting contractor deadlines. (He is the host of multiple shows about cars and met his current famous girlfriend Renée Zellweger on one of them.) When Ant and Christina split, she briefly returned to her maiden name, Haack, before marrying Josh and taking the name Hall. After her divorce from Tarek, she married Ant Anstead, taking his name. Side note: If you’re confused about Christina’s last name, here is a refresher. He already has 184 home runs, which is more than Hank Aaron had before turning 26, and more than Giancarlo Stanton too. What Harper has done to date has been remarkable, and puts him in select company. What they are getting at the front end of the contract are Harper’s prime years. The Phillies aren’t paying for Harper well into his 40s, but rather through his age-38 season. Miguel Cabrera‘s eight-year extension didn’t kick in until his age-33 season. Albert Pujols was 32 in the first year of his 10-year contract, while Robinson Cano was 31. Harper is still just 26 years old, which is important when framing this contract. 267/.391/.505, averaging 29 home runs and 28 doubles with a 132 wRC+ that ranks 22nd in baseball during that span. Though he hasn’t been transcendent since then, the “normal” Harper over the last three years has still hit. The appeal of Harper is a potential return to his peak, which saw the outfielder hit. Why the MLB free agency hellscape has made contract extensions popular Bryce Harper installed as NL MVP favorite - even though he remains unsignedĮven with his foibles Harper was still quite productive last year, including hitting. But with the additions, including Harper this offseason, Philadelphia is hitting all the right spots. Playing out of position hurt the Phillies in 2018, with Scott Kingery at shortstop and Rhys Hoskins in the outfield contributing to a league-worst defense as a team. Harper was also miscast for a long stretch, starting 59 games in center field. His defensive numbers were the worst of his career, dead last among major league outfielders in Total Zone Rating (22 runs below average) and Ultimate Zone Rating (-14.4 runs), and second-to-last in Defensive Runs Saved (-26). 206/.312/.460 for a two-month stretch that featured home runs but little else. He was bad at the plate in May and June, hitting a combined. 249/.393/.496, a 135 wRC+, with 34 home runs and a major league best 130 walks in 2018, though it was an up-and-down year. The Giants were in the Harper conversation as well, with an ownership meting of their own with Harper, including reportedly discussing a 10-year offer to the outfielder, per Alex Pavlovic of NBC Sports Bay Area. The Dodgers mounted a late rally, with owner Mark Walter and manager Dave Roberts among the team contingent who flew to Las Vegas to meet with Harper Sunday night. Our offer still stands: doughnuts for life if you stay with the Doughnut /652Flsuos4- District Doughnut February 26, 2019 We are #MadeInDC just like you and we would love to keep it that way. That path became clearer once Harper’s old team, the Nationals - who already looked like they were out on the outfielder in December - bowed out as well.ĭear made these for you today. Once Machado landed in San Diego, a logical path was cleared for Harper to Philadelphia. Harper’s deal surpasses the $325 million, 13-year deal Giancarlo Stanton signed with the Marlins after the 2014 season. But now we can at least cross Harper off the available list, a week after Manny Machado got $300 million over 10 years from the Padres. Spring training camps are open all across Major League Baseball but some of the biggest names still without a team, including Craig Kimbrel and Dallas Keuchel. Jon Heyman of FanCred was first to report the agreement, with Jeff Passan of ESPN reporting the $330 million, making this the largest total contract in major league history. It took longer than one could have reasonably expected, but the Philadelphia Phillies have finally landed their biggest prize of the offseason, agreeing to terms with Bryce Harper on a reported 13-year, $330 million contract. |
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