You’ll have to pay extra for HBO, SHOWTIME, STARZ, and CINEMAX, or for an Entertainment View add-on that includes NFL Network, OWN, and the Cooking Channel. If your primary reason to pay for live TV is to stay up to date, we think you’ll be pretty happy with what Spectrum has to offer.Įntertainment and lifestyle: 3.5/5 Spectrum TV’s lineup for movies, home improvement shows, reality TV, and true crime is just OK. You get national networks CNN, MSNBC, and Fox News, plus all the news that comes with local channels. ![]() ![]() News and politics: 4.5/5 Spectrum doesn’t offer the hotly debated Newsmax channel at its base price, but it has almost everything else news junkies crave. It’s not great, but it’s not awful either. You do get PBS, though, plus the regular Disney channel, Family Entertainment TV (FETV), and Discovery. Smithsonian’s out, too, and Science (you can get some of these with the Entertainment View add-on, but it costs $12 extra each month). You won’t get Disney Jr., Nat Geo Wild, Cartoon Network, or Nick Jr., unfortunately. The sports pack is a breezy $6 per month, which isn’t bad, but we’d still prefer the channels be in the standard package.įamily and education: 3/5 Spectrum TV also earns a passing grade for kids shows, but it’s nothing to write home. You may be eligible for various regional sports networks, but they almost always cost extra. You’ll get national games on the local networks and coverage from networks like TNT and FS1, but you’ll have to pay extra for goodies like MLB Extra Innings, NHL Center Ice, and the ESPN College Extra. Sports: 3/5 Spectrum TV is only passable when it comes to sports. You’ll miss out on a few smaller local networks in some areas, such as Antenna TV and Estrella TV, but we have no major complaints. You get the big four-NBC, ABC, CBS, and FOX-plus The CW and Spanish-language channels. Local: 4/5 Spectrum does a great job of providing local channels throughout the hundreds of markets it covers. Your exact channel lineup depends on where you live (and some areas even have unique package options), so enter your address and check the channel guide as you decide. You get more than 125 channels with TV SELECT and more than 140 channels on MI PLAN LATINO, but those are your only package options. Spectrum TV is a good choice for basic TV viewing on a budget, especially if you bundle with home internet. You can also get HBO MAX, CINEMAX, SHOWTIME, and STARZ, but additional pricing of between $9 to $15 each applies every month. That said, you’ll miss out on goodies like Ion and INSP, and you’ll have to get the Entertainment add-on ($8 per month) for Discovery Channels, MTV Classic, Crime+Investigation, and BET Her. You won’t find Newsmax or any C-SPAN options, though, and you’ll have to pony up for the Español Add-on for news, weather, and sports in Spanish at a cost of about $5 per month.Įntertainment and lifestyle: 4/5 You get about half of America’s Top 100 channels to watch live with Hulu + Live TV, but the provider earns extra points for having a stellar on-demand library on top of its live TV offering. News and politics: 3/5 You get all your news heavy hitters with Hulu + Live TV, including local news, national news from both the left and right, and financial news. There are also some notable educational channels missing from the lineup, including Family Entertainment TV (FETV) and Heroes & Icons. You get three Disney channels, two Nickelodeon channels, and Universal Kids channel. There’s no way to get NFL SUNDAY TICKET (now available only from YouTube TV), and you’ll miss out on all the regional sports networks you could get with DIRECTV STREAM or many traditional cable TV providers.įamily and education: 3/5 If you have kiddos in the house, Hulu + Live TV should have plenty of shows and channels to keep them entertained. There’s no NBA TV or MLB coverage, but you do get ESPN, TNT, Fox Sports 1, and the Golf Channel, plus local channels (which often show big national games). Sports: 3/5 Hulu + Live TV is so-so when it comes to sports. Hulu + Live TV is a nationwide service, but there are some geographic differences in the lineup. There are probably better live TV options for most Spanish speakers, but Hulu + Live TV isn’t bad if you just want your local news, sports, and primetime favorites in English. ![]() You get ABC, NBC, CBS, FOX, and The CW in most markets, for instance, but not PBS, Antenna TV, Estrella TV, or Univision. ![]() Local: 2.5/5 Hulu + Live TV gives you access to about half of the local channels you would get from a digital antenna or traditional TV provider, but those channels are the most popular of the standard local options. You also get access to the full on-demand libraries of Hulu, Disney+, and ESPN+. (1) You get access to most of your local channels and dozens of live options from popular cable networks. Hulu + Live TV shines when it comes to content.
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![]() ![]() It’s like your Pandora’s Box-full of demons and diamonds. Each level of the dungeon is procedurally generated, meaning every adventure offers fresh obstacles and treasures. The deeper you go, the more intricate the challenges the more extravagant the rewards. Ah, it’s like a well-cooked meal but with more fireballs! DIVE DEEPER, GAIN MOREĪh, the dungeons! They are to Etrian Mystery Dungeon what cheese is to macaroni. ![]() Then you bring in the magician for that spell-binding, firework finish. Picture this: You move your sniper to a high vantage point and have your tank character attract all the enemy fire. Your team’s formation can make or break your journey. Strategic positioning in Etrian Mystery Dungeon is like playing an intricate chess game, but you have wizards and warriors instead of knights and pawns. It’s more like ‘hit, think, hit again, re-think, and maybe throw in a little dance move while you’re at it.’ THE STRATEGIC POSITIONING It’s not just about knowing which button to mash it’s about understanding the dynamics between your characters and using their unique abilities to trounce the enemy. Turn-based combat in this game is as satisfying as the perfect “dad joke”-it takes timing, wit, and a dash of audacity. This is more than just superficial costume changes it’s a tactical endeavor that profoundly influences your gameplay. Would you prefer a more strategic approach? The Medic or Hexer could be right up your alley. Got a penchant for brute force? Go for the Landsknecht. You have various character classes to select from, each with its own perks that suit different combat styles. Here’s the thing about customization in Etrian Mystery Dungeon: It’s like an all-you-can-eat buffet for the indecisive. As you plunge deeper into the labyrinth, you’ll stumble upon enticing treasures that match the peril you encounter. Get ready to not just bash foes but also to mastermind your every move in turn-based encounters. The quest for glory is on, and it starts with you handpicking a squad of four distinct characters from an array of classes, each tailor-made to fit your combat whims and fancies. The name of the game? “Etrian Mystery Dungeon” for the 3DS. Once a quiet hamlet, Alarga has undergone a significant makeover, transforming into a bustling hub that beckons to adventurers hailing from every corner of the globe. Saving enough to start a business or to pursue a hobby.Saving for a large purchase, for example, a house, car, vacation, etc.Paying off credit card debt (and improving your credit score).Here are a few examples of what those goals may look like: The Final 20 Percent Should Go to SavingsĪnd finally, allocate twenty percent of your take-home household income to saving for your money goals. This spending category includes things like: Thirty percent of your take-home pay should be under the category of recreational activities/ wants. Insurance premiums, for example, life insurance, health insurance, car insurance, home insurance, etc.)Ĭonsider a debt calculator if you need help figuring out your payments for existing loans! 30 Percent of Income on Personal Spending.Bills (car payments, minimum debt payments, student loans, credit card payments, etc.).Housing costs (rent or mortgage payment, property taxes, etc.).This necessary spending includes things like: Use fifty percent of your take-home pay for essentials. Necessities like housing, utilities, food, bills, pet expenses, insurance, and transportation.īelow is more information on each: 50 Percent of Income Goes to Essentials This is how the 50/30/20 breakdown will work: Allocation Percentage This rule should be applied to taxed income and essentially split your total household income into three spending categories. Most experts will recommend a budget breakdown with the 50/30/20 rule. There is an ideal breakdown that can work for many households! Recommended Household Budget Percentages: The 50/30/20 Rule In that case, you may be curious about how to break down a budget into percentages. Suppose you have never worked with a budget before or are adjusting your budget for specific money goals. According to CNBC, 53% of Americans say that learning how to budget their money and track their expenses is the most valuable financial lesson they have learned! 1 Your ideal household budget percentage will help you allocate income to necessities, recreation, and, finally, savings. ![]() These bills and expenses may include but are not limited to, rent or mortgage payments, utilities, groceries/dining out, clothing, and personal care items.Ī household budget is an essential part of taking control of your personal finances. ![]() Household budgets should consist of all recurring bills and expenses it takes to run a household. 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They sold property and possessions to give to anyone who had need. In the beginning of the book of Acts, which contains the history of the early church, we read this:Īcts 2:44-45 All the believers were together and had everything in common. The early church practiced needs-based giving. Irenaeus, an early church father who lived in the second century, (130-202 AD) and is thought to be a disciple of the Apostle John, writes, “The Jews were constrained to a regular payment of tithes Christians, who have liberty, assign all of their possessions to the Lord, bestowing freely not the lesser portions of their property, since they have the hope of greater things.” In other words, the Jews of the Old Testament may be commanded to give 10%, but Christians are able to give more because they’ve been given everything in Christ Jesus. So should we tithe? One reporter who investigated tithing concluded, “If a pastor or church leader has ever told you that the Bible commands Christians to tithe or give 10% of their income… asked you to donate to a mysterious ‘building fund’ or give a ‘first-fruit’ offering… You are getting played.” His message is clear-the tithe is a myth. However, this verse is not about regular church offerings, but a special offering (v. He doesn’t want a sad giver, but a joyful one excited to join in his work. God cares about the state of our hearts as we give. Each of you should give what you have decided in your heart to give, not reluctantly or under compulsion, for God loves a cheerful giver. In 2nd Corinthians, we see Paul encouraging people to give joyfully.Ģ Corinthians 9:6-7 Remember this: Whoever sows sparingly will also reap sparingly, and whoever sows generously will also reap generously. I want to begin by noting that both positions agree that God loves a cheerful and generous giver. Offerings: God says to give generously, but sets no specific amount. The second position says God gives us the tithe (10%) as a starting point for greater giving.īefore we begin, let’s pray. Tithes: God says to start by giving 10%, but grow from there. The first position says the Bible just teaches us to give a “grace offering” or “free-will offering”-but doesn’t say how much. What does the Bible have to say about giving, specifically what does it have to say about giving tithes and offerings? There are generally two positions: We need to know what God expects of us because we can trust that his expectations for giving will meet our needs for ministry. That means the responsibility falls to us. Although we’ve been paying for most of our bills up to this point, our parent church has been helping us out. Third, Lord willing, in the next couple months we’re going to become an autonomous church.Second, the book Ten Most Common Mistakes Made by New Church Starts lists #7 as, “Fear of Talking about Money until It Is Too Late.” Now it’s not too late, but I apologize, we’re a year and half in and I should have talked about this sooner.First, I haven’t fully taught what the Bible calls us to give, and you should know.Why? I’m preaching this sermon for several reasons: What’s the real reason? 2) What does the Bible have to say about giving? Let me answer the first question. When you hear we’re talking about money, I imagine two questions pop into your mind: 1) Why are we doing a sermon on giving? aka. We’re learning not how much to have, but how much God calls us to give away. Jesus taught a lot on money, so today we’re talking about it too. With money, life is better, or as the singer puts it, “Always sunny in the rich man’s world.”Īt some level, we all believe in the power of money to make our lives better. After all, money can buy a white toga covered in rhinestones, or if you have money, you’ve got lots of shiny coins, or even better, if you meet a rich man, you can ride in his red convertible and throw back your head and just laugh and laugh. ABBA is serious about Money, Money, Money. ![]() If you have questions or need support with the cookie banner, visit our Help Center or contact us. The Cookiebot CMP WordPress plugin is regularly updated and managed by our in-house Product Team to help you keep your business website compliant with relevant privacy regulations at all times. Cookiebot’s consent solution has been assessed and certified by Google against certification criteria that are focused on compliance with the IAB’s Transparency and Consent Framework, also known as TCF. Securely store user consent data in our cloud-based environment, with EU-based servers.Ĭomply with data subject requests (DSRs) by providing an option to download user consent information as needed.ĭisplay the cookie banner and cookie policy to users from all over the world using any of 40+ languages available in the cookie banner’s settings.Įnsure that you can continue serving ads to users in the European Union, European Economic Area or the UK with Cookiebot CMP. ![]() The Cookiebot CMP can be integrated seamlessly with all popular CMS platforms, such as WordPress, Shopify, Drupal, Adobe Experience Manager and more.Įnable visitors to update their consent with our easy to use widget. To comply with the CCPA and CPRA, add a “Do Not Sell Or Share My Personal Information” link to the cookie policy declaration. Our WordPress cookie banner enables your compliance with the following regulations and frameworks: □ Compliance with regulations and frameworks Respect users’ privacy choices, with minimal impact on your ad-based revenue stream, analytics, etc.Īutomatically block cookies and trackers until user consent is given. Signal user consent decisions to all Google services for DMA compliance. Seamless integration with Google Consent Mode that’s active by default. Your cookie policy will be specific and accurate at all times, so users stay informed about your cookie use, as required by data privacy laws, and can make better data privacy choices. Publish our automatically updated cookie declaration on your privacy page. Take advantage of regular automated scanning to detect and update cookies and tracking technologies in use on your website.Ĭreate your cookie policy effortlessly. Enable visitors to opt in or out of individual cookie categories. FeaturesĬustomize your WordPress cookie banner to match your user experience. Cookiebot CMP uses industry-leading scanning technology to detect and control all cookies and trackers on your website, minimizing the risk of noncompliance.Ĭookiebot CMP and the WordPress Plugin are designed to be used by both technical and non-technical teams that value automated, scalable processes. It’s highly customizable, easy to implement and enables you to automate compliant user consent collection and signaling on your websites. It also helps build trust with website visitors by giving them more control over their personal data.Ĭookiebot CMP is one of the few WordPress cookie consent plugins that seamlessly integrates with Google Tag Manager and Google Consent Mode to help ensure you get higher quality, more compliant data. It enables compliance with the GDPR, DMA, LGPD, CCPA and other privacy regulations. ![]() Cookiebot Consent Management Platform (CMP) provides an easy to use and fully automated WordPress cookie banner. ![]() These barebones templates can help improve your spending habits without breaking the bank. This template has a tab for one person or two persons to compare each person’s income to their needs, wants and savings.ĭid you know that Google Sheets offers two premade templates? Both are free and similar to the Microsoft Excel budget templates you may already use. The 50/30/20 budgeting strategy can be easier to achieve if you live in a two-income household. Thankfully, there are simple ways to save money when you don’t have free time to pursue a side hustle. Separating your necessary monthly expenses (needs) from your wants can be challenging at first. The remaining 20% for savings and extra debt payments should include saving for retirement and boosting your emergency fund. ![]() Your “wants” might consist of streaming plans and date nights. The 50/30/20 rule divides your cash into one of three categories:Įxamples of your “needs” include your minimum monthly loan payments, insurance and living expenses. You’re also more likely to be able to afford a one-time financial surprise or temporary pay cut without going into debt. Only spending half of your income on needs means you’re not living paycheck to paycheck. The “50/30/20 rule” encourages you to only spend half of your monthly income on necessary expenses. Most budgeting templates are a zero-sum budget where you assign a budget category for each dollar you earn. You can modify the income and expense categories to fit your personal spending plan.Ĭheck out our Free Budget and Financial Planning Printables as well. Expenses – Groceries, giving, “His” and “Her” spending, vehicle and gas, etc.Housing expenses – Mortgage/rent, utilities, internet, insurance, etc.Income – You and your spouse’s (if applicable) monthly salary.The Starter Budget takes a monthly look at these categories: You can open the Starter Budget in Microsoft Excel or Google Sheets. Using Well Kept Wallet’s own Starter Budget is free and saves you time. The digital alternative is manually logging each transaction into your spreadsheet.īuilding your own template can be effective, but it’s easy to overlook certain expenses. The simplest budget is writing your income and expenses on a piece of paper. These complex budgeting templates are “too smart.” You may only need a basic budget template that lets you quickly compare your income and monthly expenses.Īdvanced spreadsheets may require too much effort to update or can be confusing to navigate. ![]() Baked cookies can also be frozen for up to 1 month and thawed in the fridge.
![]() Use a Spreadsheet Computer ApplicationĪ spreadsheet application like Microsoft Excel or Google Sheets will provide you with a convenient sheet that you could use to create your invoice. Of course, your invoice must still retain its function, so take note of the typical features of an invoice. However, you can take advantage of an invoice's marketing function and design the layout that would make your invoice remarkable and easily remembered by people who have done business with you. If you are interested about creating invoices, there are tips present below that can help you. ![]() You only need to follow the format, and you are good to go. How to Create a Sales InvoiceĪ Sales invoice is a simple form to create. It is akin to a bill, but it is more detailed. An invoice function as documentation of the products or services that a client has to pay for. With proper records of transactions, customers and business owners can ensure that they can conduct business with trust. This is where receipts and invoices can prove to be valuable tools. Official documentation would have prevented some of these cases from happening. In 2019 there were 1.7 million purchase fraud complaints filed in the US, according to Statista. We also guarantee their quality as they are original and professionally made. You have several templates to choose from, all of which are customizable, downloadable on your computer, and printable. Our ready-made templates are designed to allow you to create your invoice conveniently. Are you interested in creating your own invoice? Go check out Sales Invoice Templates in Apple (Mac) Numbers. Invoices are sent to customers to let them know how much they owe you, and they also serve as a marketing tool. They serve as records of transactions and proof of purchase. Receipts and invoices have always been essential documents for businesses. ![]() It’s almost enough to make you miss the Windows 95-era. There’s even an option to custom-print your WordArt on swag like t-shirts, mugs, and hats. With Clippy the Microsoft paperclip as your guide, visitors to can customize any message they want in one of 15 styles and download the image or share it on social media. ![]() Add a touch of elegance with gold, yellow, or purple shades, and give your text a 3D effect that will leave a lasting impression. Choose from a variety of fonts and transform your text into eye-catching designs. Create stunning text effects with our font style text effect generator. It’s actually pretty difficult to create wavy or arced type." Create a text effect Gold with our online custom font generator. He told WIRED: "I now have a newfound appreciation for all the technology that went into such a silly part of Microsoft Word. To revive this cheesy bit of design in 2016, McMillan tracked down WordArt images through Google and recreated them on his computer. Customizable colors: Select from a range of colors, or enter your own hex code for complete color control. According to WIRED , in elementary school McMillan would spend more time creating WordArt titles for his book reports than actually writing them. Features: Here are some features that make it a powerful tool for creating Word Art images: Multiple styles: Choose from a variety of styles, including 3D text, Retro Comic, Colorful, and more. McMillan, the same designer who treated the internet to his Stranger Things font generator in August, created the online tool as a nostalgia vehicle. ![]() Have something you need to get off your chest? With Mike McMillan’s new WordArt generator, now you can say it in wavy, rainbow, 3D text-all without a 20-year-old version of Microsoft Office. |
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