Until shortly after World War I, most workers were immigrants from Europe, their immediate descendants, or African-Americans whose ancestors were brought to the Americas as slaves. Throughout its history, the United States has experienced steady growth in the labor force, and that, in turn, has helped fuel almost constant economic expansion. The number of available workers and, more importantly, their productivity help determine the health of an economy. The second ingredient is labor, which converts natural resources into goods. These extensive waterways have helped shape the country's economic growth over the years and helped bind America's 50 individual states together in a single economic unit. border with Canada - provide additional shipping access. Rivers flow from far within the continent, and the Great Lakes - five large, inland lakes along the U.S. It also has extensive coastlines on both the Atlantic and Pacific Oceans, as well as on the Gulf of Mexico. The United States is rich in mineral resources and fertile farm soil, and it is blessed with a moderate climate. The first ingredient of a nation's economic system is its natural resources. As a result, the American economy is perhaps better described as a "mixed" economy, with government playing an important role along with private enterprise.Īlthough Americans often disagree about exactly where to draw the line between their beliefs in both free enterprise and government management, the mixed economy they have developed has been remarkably successful. If the pure capitalism described by Marx ever existed, it has long since disappeared, as governments in the United States and many other countries have intervened in their economies to limit concentrations of power and address many of the social problems associated with unchecked private commercial interests. While those categories, though oversimplified, have elements of truth to them, they are far less relevant today. Marx and his followers believed that capitalist economies concentrate power in the hands of wealthy business people, who aim mainly to maximize profits socialist economies, on the other hand, would be more likely to feature greater control by government, which tends to put political aims - a more equal distribution of society's resources, for instance - ahead of profits. Marx contrasted capitalist economies to "socialist" ones, which vest more power in the political system. The United States is often described as a "capitalist" economy, a term coined by 19th-century German economist and social theorist Karl Marx to describe a system in which a small group of people who control large amounts of money, or capital, make the most important economic decisions. But the way these different elements are organized and used also reflects a nation's political ideals and its culture. In every economic system, entrepreneurs and managers bring together natural resources, labor, and technology to produce and distribute goods and services. The Role of the Government in the Economyįoreign Trade and Global Economic Policies
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However, for freelancers and companies looking to price their services, the points below should be taken into account. There is no “correct” price for a service, as depending on the experience of those doing the job, the length the job takes, the number of companies bidding for the work, and the customer’s perceived value of the service rendered, the price point can vary greatly from person to person. Create Character Combinations (“JC-21”) to track dates, types of products, service people, etc.Avoid Special Characters (with the exception of dashes “-“).Assign a unique Invoice Number to each document.To highlight what should go into an invoice number, keep in mind the points below. For example, the letter combo “MA-24” can refer to the invoice being billed on May 24th. ABCE, etc.”Īssigning structure to the invoicing process can provide invaluable to a business, such as adding a certain character for each month and year the invoice was issued or a code for the worker that sold the product. The number doesn’t have to be an exact length – as long as it makes sense to the company or individual issuing the invoice. Each invoice number needs to be unique in order to efficiently organize each payment. It is used to track and identify each payment, service, or product sold. Payments Accepted, Corrections, and Other DetailsĪ comment box allows the issuer to list pertinent details regarding the invoice, such as the types of payment accepted, corrections to listed expenses, or thank-yous to the client.Īn Invoice Number is a string of characters systematically assigned to an invoice. Having a concrete date that the invoice is due ensures both parties are clear on the terms of payment and lets the client breathe easy if they do not have the immediate funds to cover the invoice amount. The number of days until payment is due is a must for every invoice. Although some invoices only have lists for products and vice versa, all invoices have a section to list out the details of the expenses. They allow for detailed descriptions of what was purchased, how many, the cost of each, and the total amounts altogether. Lists of both the products and/or services purchased are the basis for the invoice. Additionally, most have an invoice number to track past and current clients more efficiently. Their name, address, phone number, and the date of the transaction are almost always included. Having an address displayed clearly on the invoice allows sold products to have a return address and gives customers a means to pay invoices by check through the mail.Ī ‘Bill To’ section lists all of the significant details of the client purchasing the products or services. The company name can be replaced by an individual’s name if doing freelance work. The company name and address are staples of an invoice. Payments Accepted, Corrections, and Other Details.Is professional and courteous, leaving the customer with a more positive impression of the company.Can be used as a quote – giving the buyer an outline of what would be charged if they were to approve of the job.Allows payment to be delayed, giving the client enough time to inspect the product or service and pay for the invoice incrementally.Eases buyer-seller relations by providing clarity on exactly both what was charged, and why.It is highly recommended companies, freelancers, and contractors send an invoice following their work. More simply, an invoice can be viewed as a more formal bill. An invoice is a form used by the seller of a product or service for giving the customer a summary of what was ordered, a breakdown of the costs, a means of contacting the seller, and instructions for paying for what was received. Unit objectives: Unit objectives align with course learning outcomes and are smaller in scope.Learning outcomes: Using the learning outcomes you designed from your course design template, determine which units will help students reach which learning outcomes of your course.Decide if your units will be thematic, goals-based or project-based. These groupings will serve as beginning sketches of units that will be developed during unit planning. Topic: The topics, themes or big ideas you will cover.First, identify the following components: At this point you will begin grouping or outlining units centered around topics, skills, themes, objectives, or essential questions. Your scope and sequence plan will organize and order your design plan. To help you plan your scope and sequence, review your course planning sheet from the design section. Planning helps you increase the likelihood of your students obtaining the course learning outcomes. Having an organized plan helps you consider all the course design elements you need to integrate for your students to have successful learning experiences. Second, it ensures an aligned plan for instruction and learning that is inclusive of your students’ learning needs.First, it helps you create a high-quality plan that guides instruction, but also helps students understand what will be covered, why it will be covered, and how they will practice the knowledge, concepts and skills to meet the unit’s objectives, and in turn, the course’s learning outcomes.They are purposeful, clear, and well-paced plans including aligned teaching approaches and active learning strategies. Unit plans comprise what will be taught, how, for what purpose, and for how long. Developing a scope and sequence can ensure how the learning outcomes are covered and achieved, and inform the appropriate amount of time it will take students to reach these outcomes. It helps instructors identify overarching topics and themes, as well as how the learning outcomes connect to each. Your scope and sequence is a course map that identifies what concepts and skills students will learn and when. Unit Plans: The groupings of sequential lessons (by theme, topic, step in a process, skill, essential question, etc.) that are components of the course. The sequence is the order in which these will be taught. The scope consists of the topics, concepts and skills that will be taught throughout the course. Scope and Sequence: The big-picture organization that covers the entire semester.There are two levels of plans that guide course building: A clear and succinct plan will play a large role in this success. The order and way students experience new information will have a large impact on how successful they are at learning. Learning requires building new skills and understanding on prior knowledge and abilities. Unfortunately, these light bulbs weren’t nearly strong enough and the statue failed to be visible after dark. However, this request was overruled due to the fear of passerby pilots being blinded.īartholdi decided to cut portholes in the flame and placed the lights inside. The torch’s balcony was meant to have a series of floodlights to illuminate it. Frédéric Auguste Bartholdi designed the torch’s flame to be a mass of solid copper, covered in a thin layer of gold leaf. It was replaced in order to bring in something newer and more efficient and to better represent the wishes of the statue’s designer. The original torch of Lady Liberty was held by her hand until 1984. This post will tell you exactly why the torch is so important and how you can see both the original and current torch up close! History of the torch You might think it’s just another piece of her wardrobe, but the Statue of Liberty’s torch is one of her most significant and symbolic elements. While much of that original statue still stands, the torch you see in Lady Liberty’s right hand is much newer than the rest of her. Not just for her symbolism but for how accomplished the structure was for the time period. It does not store any personal data.The Statue of Liberty is one of New York’s most impressive monuments. The cookie is set by the GDPR Cookie Consent plugin and is used to store whether or not user has consented to the use of cookies. The cookie is used to store the user consent for the cookies in the category "Performance". This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Other. The cookies is used to store the user consent for the cookies in the category "Necessary". The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional". The cookie is used to store the user consent for the cookies in the category "Analytics". These cookies ensure basic functionalities and security features of the website, anonymously. Necessary cookies are absolutely essential for the website to function properly. Due to the enormous height and huge size of the statue, when the construction reached the upper portion of its body, reaching it became more difficult. With this, you can just imagine how such a huge statue was created and formed gradually from one piece to another. Once the wax was drained out, the liquid bronze was then poured from above into a gap.Īfter cooling down, the bronze already took the specific shape of Chares’ required piece. The bronze was also simultaneously liquefied and heated. Thanks to the heat, it allows the clay to set properly in the desired shape and wax was drained out. The clay was heated from below with the strong fire flames. This also shaped the block of clays at the same time accordingly. Chares molded the wax into the specific shapes that he needed for the different parts of this statue. These blocks of clay were spread or smeared with wax to cover them all over. Chares decided to make a large casting pit that became the largest pit that was ever utilized for the purpose of bronze casting. Even if the island was popular for its bronze casting, only a tiny part of the statue can be fitted with the bronze sheet that was casted in ordinary pits. Chares even cast bronze in various shapes for every part of this statue. The Colossus of Rhodes was fabricated using large amounts of bronze and iron. The Quote Overview page gives you a snapshot view for a specific futures symbol. During market hours, delayed exchange price information displays (Futures: 10 minute delay, CT) and new delayed trade updates are updated on the page (as indicated by a "flash"). Gas storage across Europe was 84% full as of July 23, well above. This past winter's warm temperatures caused nat-gas inventories to rise in Europe and the United States. Nat-gas prices continue to be undercut by high inventories caused by weak heating demand during the abnormally mild winter. LNG export terminals Monday were 12.8 bcf/day or -1.9% w/w. Lower-48 state gas demand Monday was 77.1 bcf/day, +11.0% y/y, according to BNEF. Lower-48 state dry gas production on Monday was 100.6 bcf/day (+1.4% y/y), according to BNEF. Forecaster Maxar Technologies said cooler temperatures are expected to move into the East Coast through August 4, although heat will persist in the Southwest through mid-August. temperatures, which will curb nat-gas demand from electricity providers to power air conditioning. Nat-gas prices Monday closed slightly lower on the outlook for cooler U.S. You can find more information in the detailed table of forecast changes.September Nymex natural gas (NGU23) on Monday closed -0.004 (-0.15%). coal production (current forecast) (million short tons) electric power sector generation from coal (current forecast) (billion kilowatthours) renewable diesel production (current forecast) (million barrels per day) LNG exports (current forecast) (billion cubic feet per day) U.S natural gas consumption in the electric power sector (current forecast) (billion cubic feet per day) The previous STEO forecast was released June 6. The current STEO forecast was released July 11. This month’s Between the Lines article discusses our U.S. We periodically publish report and article supplements to the STEO to provide an in-depth analysis of special topics related to our forecasts. coal-fired generation during 2H23 will be 75 billion kilowatthours (18%) less than 2H22. The increase in solar capacity, along with lower natural gas prices, reduces our forecast of coal-fired electricity generation this year. solar generation this summer (June, July, and August) than last summer. Solar has been the leading source of new generating capacity in the United States so far this year, and the new capacity contributes to our forecast of 23% more U.S. Henry Hub prices in our forecast average more than $2.80 per million British thermal units (MMBtu) in the second half of 2023 (2H23), up from about $2.40/MMBtu in the first half of the year. We expect the Henry Hub spot price will rise in the coming months as declining natural gas production narrows the existing surplus of natural gas inventories compared with the five-year average. However, we still expect renewable diesel production will grow in the United States to reach 219,000 b/d in 2024. Environmental Protection Agency’s (EPA) revised Renewable Fuel Standard (RFS) rule establishing biofuel volume requirements that was issued on June 21, we have reduced our forecast for renewable diesel production growth. Crude oil prices gradually increase throughout our forecast, reaching about $80/b in 4Q23 and averaging about $84/b in 2024 because we expect that global oil inventories will decline over the next five quarters. We forecast that the Brent crude oil spot price will average $78 per barrel (b) in July. We use the S&P Global macroeconomic model, and we input our energy price forecasts to get the forecasts for the U.S. The upward revision is partially driven by an updated estimate of real GDP growth in the first quarter of 2023 (1Q23) resulting from more consumer spending and aggregate investment than assumed in last month’s STEO. GDP growth of 1.5% in 2023 and 1.3% in 2024, which is revised up from last month’s forecast of 1.3% in 2023 and 1.0% in 2024. To Wager: The minimum age to place a wager is 21.To Enter: There is no minimum age to enter our Grandstand for live racing, although children under 18 must be accompanied by a parent (children 3 and younger are admitted free of charge).Advance tickets and reserved seating are available at designated admission sales gates and at the “Reserved Seat” counter located on the first floor of the Grandstand near the elevators. Quarter Horse Season – September 15 – November 11ĭuring live racing, General Admission is available at all admission gates.Thoroughbred Season – April 20 – July 30.What you need to know… Live Racing at Lone Star Park Lone Star Park also offers a number of special promotions and events throughout the season, such as “Sunday Discounts” – Bring a Pepsi can and receive one (1) free General Admission and one (1) free large Pepsi every Sunday ( *Offers are valid on Sundays during live racing only. Trainers often exercise the horses in this area, so kids really enjoy it!īetting is completely optional, but you never know… Our daughter recommended a long-shot, so we placed our $2 bet and actually won over $100.00!! This is where you’ll find the stables, as well as the horses heading to and from races. You’ll often find kids leaning over the rails, trying to get the best view possible of these incredible animals!īe sure to head behind the main building to the paddock area. The grounds are amazing and the horses are absolutely BEAUTIFUL to watch. Have you ever been? It’s a great outing for the whole family! So we're going to take some of the good ideas from HISA and make or exceed those standards.Recently, Lone Star Park invited my family and I for a day at the races. "We don't even have in the rules of racing a safety and health chapter, which I'm dismayed by. "We're going to rewrite the rules of racing in Texas," she said. Both decisions are under appeal.Ĭook said approximately a year and a half would be necessary to amend Texas rules to allow to update its rules and have them mesh with HISA. Separate constitutional challenges to HISA, backed by the TRC, filed in federal courts in Texas and Kentucky were denied in late March and early June. "We hold out hope that we will still find a way to work together and chart a positive path forward for racing in Texas, so that Texas racing participants are not deprived of the benefits that come from interstate wagering on Texas races." "HISA has been negotiating in good faith with the Texas Racing Commission and has made every effort to reach a resolution with the commission to help racing flourish in Texas," read a HISA statement. The Texas commission claims its state laws require it to be involved in the regulation of all aspects of racing and wagering at Texas racetracks. "You don't get a second chance to make a first impression." "I think if they go out on the starting gate on July 1 and they can't do it, they'll never recover from that," Cook said. Cook said groups in the state met earlier this month after HISA representatives visited Texas, saying, "Everybody is in fear and the uncertainty is palpable." She questioned the readiness of HISA to provide federal oversight in a couple of weeks, proposing implementation be delayed until Jan. Options I may know: AJJ (I know a ton of their stuff), Paul Baribeau, Human Kitten, Just Nick, Sledding With Tigers, Tiger's Jaw (my folk punk-ish covers of their songs), Kevin Devine acoustic stuff that's semi-folkpunkish. If there are any other folk punk requests, let me know. Plan for tomorrow: AJJ - The Michael Jordan of Drunk Driving, as requested by another Redditor! On Friday I will be attempting a dual-cover of Brave as a Noun and Survival by AJJ.Įdit: Saturday will be Sense and Sensibility (AJJ), by request below. Thanks for all of your kind words over the last couple of days. The Front Bottoms - Awkward Conversations barnonerecords 21.6K subscribers Subscribe 836K views 8 years ago 'Awkward Conversations' off the new The Front Bottoms EP 'Rose' available now. I literally haven't played this song in years, so hopefully I got it right.Įvery day leading up to the bar exam, I'll be taking time during my breaks to post a cover song (usually folk punk) to post on YouTube and Reddit. Also we collected some tips and tricks for you: Dont write just 'I love this song.' Hidden between the lines, words and thoughts. Dont hesitate to explain what songwriters and singer wanted to say. Day 3 of my bar exam study-break plan! This one was requested yesterday by /u/beelzebella. The Front Bottoms - Awkward Conversations (Letra y cancin para escuchar) - Awkward situations / Followed by awkward hugs / And these bullshit conversations. The Front Bottoms Awkward Conversations lyrics If this song really means something special to you, describe your feelings and thoughts. Available now on Android, iOS, Windows, macOS and Linux. Brave creates the passphrase you can use on the second device. Click Start using sync to start a new Sync chain (what Brave calls 'syncing.') Choose the device type you want to sync to, computer or phone/tablet. 'Brave is a scam browser that injects ads everywhere secretly and its crypto is a scam' and this was not just me, it's almost everyone's (at least those who have read those spicy news articles mentioning Brave as a crypto scam) opinion on Brave. Brave even lets you contribute to your favorite publishers automatically with Basic Attention Token. Open the Brave main menu in the browser you want to sync information from, and click Sync. Image: Brave Brave, the privacy-focused browser that blocks third-party ads and trackers by default, is switching. Brave blocks ads and trackers on YouTube for the best viewing experience. Oct 20, 2021, 3:13 AM PDT Brave Search launched in beta earlier this year. The new feature, called HTTPS By Default, works as follows: If you are about to visit a page loaded over HTTP, Brave checks to see if the destination is on a list of sites that break when. Brave is an open-source, privacy-protecting, performant web browser that blocks ads and trackers by default from the inventor of Javascript and co-founder of Mozilla & Firefox.īrave blocks the ads and trackers that slow you down, chew up your bandwidth, and invade your privacy. Our free web browser and search engine block the ads and trackers that follow. Starting in version 1.50, the Brave browser will use a new system for upgrading insecure HTTP connections to secure-and-private HTTPS connections. APR is based on the highest Prime Rate published in the Money Rates table of The Wall Street Journal + a minimum 1.00% margin for the life of loan. Contact a Freedom First Credit Union representative at (540) 389-0244 for complete details.ĩ APR is a variable rate and may change at any time. All credit union loan programs, rates, term and conditions are subject to change at any time without notice. Please consult a tax adviser for further information regarding the deductibility of interest. Property insurance, if applicable, must be in effect on the property being secured and the said property must be in the Freedom First Credit Union membership area. Membership with Freedom First is a requirement for this offer with a $5 share account. Pay interest only on the amount drawn or 1% of the balance. The minimum loan amount is $10,000 and the maximum loan amount is $300,000. A review of the credit eligibility, adequate property value, and a clear title is also needed for qualification. For loan amounts over $100,000, estimated closing costs may range from $1,625 to $2,897. No closing costs for loan amounts of $100,000 and less except for legal fees, if required. Maximum loan-to-value as high as 90%, depending on creditworthiness. The maximum APR that may be imposed is 18.00%. HELOC APRs are variable and subject to change. Our current lowest APR for credit lines over $100,000 is 8.50%, which includes + 0.00 margin and for credit lines under $100,000 is 9.00%, which includes + 0.50 margin. Fees may reduce earnings.ħ The Annual Percentage Rate (APR) of a HELOC is indexed to the Prime Rate as published on the money rate table in the Wall Street Journal + a margin for the life of the loan. If the account is closed, the $5 will be returned. A one-time $5 deposit is required by Credit Union Bylaws for membership. If the account is closed before dividends are credited, any accrued dividend will not be credited. No dividend will be paid if the account ADB is below $200 for the month. For example, if the account ADB is $5,600 for the month, the entire $5,600 will be paid a dividend at the Tier 2 rate. The "Dividend Rate" for that tier will be used to pay the dividend on the entire ADB. The dividend Tier A method means that the dividend rate used will be based on the account ADB and the dividend rate for that ADB. The ADB is computed by adding the balance in the account for each day in the month and dividing that figure by the number of days in the month. Dividends on these accounts are calculated by using the account Average Daily Balance (ADB) and the Tier A dividend method. Annual Percentage Yield (APY) is variable and subject to change without prior notice. Fees may reduce earnings. APY could change after account opening.Ģ All Dividends on this Schedule are Posted and Compounded Monthly. Call us at 54 (local) or 86 (toll-free) with questions about what qualifies as an ACH deposit. ACH deposits may be any combination of your paycheck, social security check, dividend deposits, and other such automated deposits. "Direct Deposit" is defined as ACH deposits only and will not include check or cash deposits done either in-branch or remotely. The Monthly Account Fee will be waived for the first two consecutive months after the new account opening, regardless of Direct Deposit amount during that time. If Direct Deposit into the account drops below $1,000 for two consecutive months, the Monthly Account Fee of $9 will be charged for each month that Direct Deposit continues to remain below $1,000. Freedom Stash® checking accounts will pay perks on the last day of each month, based on account activity in that month on the condition that the member is enrolled in Direct Deposit of at least $1,000. It can also flag past due tasks based on date criteria that you set. It is also designed to roll-up task start/end dates and percentage completion of parent topics, based upon the status of their sub-topics. MindManager 8 now automates the calculation of task information and completion percentages. Task automation: If you do a lot of project management, you’ll appreciate this new feature. The bottom line is that this feature alone is worth the upgrade to MindManager 8 – it is very elegantly implemented and was a pleasure to play around with! To help you to better understand this powerful new functionality, I have created the screencast below: Once you’ve placed your data in your map, you can right-click the data repository icon on any record and manipulate it further, editing its values, modifying which fields are shown versus hidden, disconnecting the record from the database and converting it to a topic. Each record is live, and is updated each time the map is opened or when you click the “refresh” icon in the data record. You can also drag and drop individual records from the database pane and attach them to topics within your map. Each record appears as a separate sub-topic. You can then select the fields you want to be displayed, and add the selected records to a topic in your map. Then you type in the query – the text string – that you want to use to search the recordset. MindManager 8 can import data from Microsoft Access, Microsoft SQLServer, MySQL, Oracle, IBM DB2, Microsoft Excel and TXT and CSV text files, where you can work with it visually within your maps.Īdding data to your map is very easy: Using a database pane on the right side of the workspace, you first tell MindManager what data source you want to access, and select the table from which you want data to be pulled (the program can only query one table at a time if your data spans several tables, then you’re best off to create a “view” within your database of choice, which MindManager treats as if it’s a single table). The big component that’s been missing has been database integration – until now. Pretty cool!ĭatabase integration: For years, Mindjet has steadily grown MindManager’s ability to connect with outside sources of information, knowledge and ideas – starting with attachments and links, and growing to encompass Microsoft Office files and Outlook e-mails. As I type this, I have actually opened the Word document in which I’m writing this blog post within MindManager 8, and am editing it in the embedded browser window. What’s especially cool is that you can actually edit Microsoft Word, Excel and PowerPoint files in the browser window – without leaving MindManager. This new feature is a pleasure to use, because all of your map’s assets are displayed in a single window, instead of popping up in separate ones all over your computer’s screen. Let’s take a closer look at the groundbreaking features of MindManager 8, which I have had a chance to work with under non-disclosure agreement for the last month or so:Įmbedded browser: This is such a simple idea – displaying the contents of attached files and web page links within the map workspace, using an embedded browser – that it now seems surprising to me that no one thought of it until now. In addition, Mindjet officially released MindManager Web, it’s software as a service browser-based tool that is a companion to the desktop version of MindManager. MindManager 8 also breaks new ground by leveraging Adobe’s integration of its Flash and PDF technologies to export mind maps in an interactive format, with expandable/contractible branches and working links. The result is greater productivity – because you no longer have to switch to another program to edit an attached Word document or view a web page – and fewer interruptions of your creative flow. MindManager 8 provides an integrated information environment that is like nothing else available today, presenting not only map topics but linked files and web pages within a single-unified workspace. Mindjet today released what is perhaps the most significant upgrade to its flagship mind mapping program. |
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