![]() ![]() Research has proven that people who include fruit in their regular diet are less susceptible to heart diseases, cancers of the mouth, lung, larynx, pancreas, cervix, and esophagus (6) among others.They are the best sources of vitamin C that protects against cardiovascular diseases and eye diseases folic acid that plays a major role in preventing cancer (5) potassium provides enhanced muscle strength and improved metabolism and fiber keeps your cholesterol in check. Fruits are rich in vitamins, minerals, and other nutrients that your child needs for growth.Ideally, one-quarter of your child’s daily meal should consist of fruits like apples, bananas, and oranges. (4)Īccording to the 2021 National Survey of Children’s Health (NSCH) data, approximately one-third of children aged between one and five years did not eat fruits daily. The amount of grain-based foods that your child should eat every day depends on the age and gender. ![]() Instead, introduce whole-grain products in small portions and gradually replace all refined foods with whole-grain foods.
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![]() ![]() Visualize a chemically intelligent drawing interface that provides a portal to an entire range of analytical tools, and facilitates the transformation of structural or analytical data into professional, easy-to-decipher reports or presentations The most popular tool for constrained and unconstrained ordination in ecological applications.ĬDBurnerXP is a free application to burn CDs and DVDs, including Blu-Ray and HD-DVDs SAP BusinessObjects Planning and Consolidation application unifies and streamlines the planning, budgeting, and forecasting process and can enable a faster closeĬ2 is a Microsoft Windows program for analysing and visualising palaeoenvironmental data.Ĭamtasia Studio is a screen video capture programĬanoDraw supports thoroughly all the visual aspects of multivariate data analysis with linear and unimodal ordination methods Bioconductor uses the R statistical programming language - see below for information about R on Legion. Bioconductor provides tools for the analysis and comprehension of high-throughput genomic data. Inventor Robot Structual Analysis, student home use, autodeskĪ Font that format characters as Bar codes.įor the analysis and comprehension of genomic data. Open source software for recording and editing soundsĪutoCAD is a CAD (Computer Aided Design or Computer Aided Drafting) software application for 2D and 3D design and drafting. The IRIS AmaSeis program is for use with the AS-1 AnywhereĪntioch is a utility which allows you to type classical Greek, Hebrew and Coptic in AnywhereĪquaChem is a groundwater software package specifically tailored for anyone working with water data.Īn advanced and easy-to-use groundwater software package for graphical analysis and reporting of pumping test and slug test data.ĪTLAS.ti is a computer software program used mostly, but not exclusively, in qualitative research or qualitative data Anywhere Intended specifically for managing collections in archives and records officesĪ cross-platform runtime environment for building rich Internet applications using Adobe Flash, Adobe Flex, HTML, or Ajax, that can be deployed as a desktop applicationĪleph provides academic, research, and national libraries with the efficient, user-friendly tools and workflow support Used for the ECDL Driving Licence examinations. ![]() Reference management software package, used to manage bibliographies and references when writing essays and articles.ħ-Zip is a file archiver with a high compression ratio.ĭesigned to view, create, manipulate and manage files in Adobe's Portable Document Format (PDF). See here for changes coming to ArcGIS - AnywhereĪrcmap city engine, student home use, data loaderĭesigned to view, create, manipulate and manage files in Adobe's Portable Document Format AnywhereĪ fully-interactive visualization and analysis of crystal and molecular Anywhere MATLAB s a high-level language and interactive environment that enables you to perform computationally intensive tasks faster than with traditional programming languages such as C, C++, and Fortran. Ibm, amos, Sample, Power, pasw, Student home use # A A B B C C D D E E F F G G H H I I J J K K L L M M N N O O P P Q Q R R S S T T U U V V W W X X Y Y Z Z NameĪ statistical Package, designed for analysing data. ![]() ![]() If you'd like to make changes to the amount of tax you're withholding per paycheck, you can submit a new W-4 to your employer. "All you have to do is alter your filing status when you submit your tax return," says Marguerita Cheng, a certified financial planner, CEO and co-founder of Blue Ocean Global Wealth. Therefore, having the right filing status can help you get the biggest refund.Ĭhanging your status is simple. We'll keep you updated as new tax changes are announced.Your filing status determines important factors, such as your tax rates and standard deduction, which is the amount of income that's not subject to federal income tax. The IRS also announced a series of other increases to popular tax credits and deductions for 2024, including a higher maximum for the Earned Income Tax Credit, adjustments to the gift tax exclusion and an increase to the foreign earned income exclusion. And since the first of January falls on a holiday, you can expect to receive your first increased SSI payment at the end of December. If you collect Social Security, you'll receive a 3.2% cost-of-living-adjustment in 2024. ![]() There are other tax changes happening next year that could put more money in your paycheck. If you're self-employed or have specific deductions you'd like to claim, you'll itemize your deductions instead. If you receive your wages solely from an employer as a W-2 employee, the standard deduction is usually the best way to maximize your tax refund. Most taxpayers with simple tax returns claim the standard deduction, which reduces their taxable income. For those married and filing jointly, the standard deduction has been raised to $29,200, up $1,500 from the previous year. $181,954.50 plus 37% of income over $609,350įor 2024, the standard tax deduction for single filers has been raised to $14,600, a $750 increase from 2023. $196,669.50 plus 37% of income over $731,200Ģ024 income tax brackets for head of household filers: Taxable income $183,647.25 plus 37% of income over $609,350Ģ024 income tax brackets for filers who are married, filing jointly: Taxable income Your federal income tax bracket helps determine how much you'll pay in taxes for a given tax year, excluding the standard deduction or any itemized tax deductions.Ģ024 income tax brackets for single filers: Taxable income So, even if you drop into a lower tax bracket and take home a slightly bigger paycheck next year, it's likely inflation is already eating into the amount you pay for housing, gas, food or other essentials. ![]() In either scenario, it's important to understand that since inflation is still lingering, you're likely feeling the sting of high prices in different ways. But you may remain in the same bracket or move up to a higher one. It's possible you'll still fall into a lower tax bracket, based on the new changes. ![]() If you make more in 2024 than you did in 2023, the amount your pay has increased will determine where you fall. That means you'll be on the hook for less federal tax next year and will have less money withdrawn from your paycheck. But if your income remains at $45,000 in 2024, you'll drop down to the 12% bracket. When the IRS raises federal income tax brackets, you might fall into a lower tax bracket than you did the year before - particularly if your income has stayed the same.įor example, if you made $45,000 in 2023, you would have fallen into the 22% tax bracket for that tax year. How tax code changes could affect your paycheck ![]() ![]() ![]() Florida law imposes a fiduciary duty on board members which requires them to act in the best interests of the community, and failure to consistently enforce rules and regulations is not upholding that duty. It is important for board members in particular to be aware that even otherwise valid and enforceable covenants can be rendered unenforceable if the enforcement is inconsistent. ![]() For example, a restrictive covenant banning people of color from the HOA would be unenforceable because it is against both state and federal law, but a covenant banning a certain age group from one’s HOA is generally enforceable if drafted appropriately. While the majority of proposed HOA regulations become valid simply because they are recorded with the relevant authorities, there are certain types of covenants or regulations that wind up unenforceable because they either do not comply with Florida (or federal) law, or because they were deficient in procedure. These rules are the ones mandating things like payment of rent, keeping noise levels to a minimum, and cleaning up pet waste outside your home. However, HOAs will also often have a set of less “official” rules, which until recently did not have to be recorded (though the relevant law was amended recently to mandate that rules and regulations do now have to be recorded with the county). For example, the bylaws will govern issues like how the board is elected and how board meetings are conducted, while the CC&Rs govern specifics like the approved colors one may paint their home.įor an individual HOA, both the CC&Rs and the bylaws must be recorded with the county where the association is located, and both are legally binding. In general, the CC&Rs cover the broad regulations, such as what one can and cannot do on one’s own parcel, while the bylaws are more narrowly focused and more centered on procedures. ![]() HOAs generally have both covenants (fully referred to as conditions, covenants & restrictions, or CC&Rs) and bylaws, both of which must be enforceable and valid under state and federal law. While homeowners can bring these to their HOA’s attention, it is generally the responsibility of the board to ensure that the bylaws and covenants are both valid and enforceable. Most HOAs enjoy a high level of cooperation from their residents, but sometimes, rules are suggested and enacted that cannot, as written, be successfully enforced. Homeowners’ associations (HOAs) are organizations of people who agree to be bound by a set of rules governing both the properties and their residents. The Guerra | Days Law Group and its team of highly knowledgeable attorneys has the experience you need to represent you if your HOA has taken legal or improper action against you.Tampa Real Estate Lawyer > Blog > HOA Condo Association > Unenforceable HOA Rules In Florida Unenforceable HOA Rules In Florida Texas has made significant changes in the law to defend homeowners from wrongfully paying an HOA’s attorneys fees. In order for an HOA to be able to charge a homeowner with its attorneys fees, there are very particular laws that an HOA must follow. These specialists can and will push the boundaries of what they can get away with including forcing improper attorneys fees on homeowners. All HOA’s have legal teams that handle these matters on a daily basis. In the event this situation occurs to you, it’s important to not deal with the HOA alone. Furthermore, the HOA can seek to foreclose your property with or without judicial intervention. The HOA can then record the lien in the county property records and place a cloud on the title of the property making it difficult to sell. When a homeowner fails to pay assessments, a lien is automatically placed by the HOA onto the offenders home. If you find yourself behind in assessments or unpaid fines, HOAs will not hesitate to use aggressive measures to seek repayment. ![]() ![]() ![]() The fun Home Designer (including a house) and Character Creator tools are included when you download the game. THE HOME DESIGNER & CHARACTER CREATOR TOOLS Check out the hair salon, shopping mall, food court, and your first apartment! It’s a great place to unlock secrets, decorate, create and play your own stories! In the basic yet extensive version of Toca Life World, start discovering your mini world by visiting Bop City, a vibrant city area with many different locations all ready for you to discover. Over the years, we’ve celebrated Lunar New Year, Valentine’s Day, the winter holidays and more with awesome gift events! And don’t worry if you’re new to the game, you haven't missed out! We have annual Gift Bonanzas when we re-release selections of previous years’ gifts so you can build your new world!ġ1 LOCATIONS & 40+ CHARACTERS INCLUDED AS SOON AS YOU DOWNLOAD THE GAME Besides Fridays, there are also other gift events to look out for. Or, you can get cozy and have a quiet moment relaxing in your mini world! How you play is up to you: you're in charge of building your own world, creating your own characters and homes and telling your own stories!Įvery Friday, players can claim brand new gifts at the Post Office. Toca Life World is the perfect game for anyone looking to explore, express themselves and let their creativity shine. Make your own unique characters with the Character Creator.Use the Home Designer tool to design & decorate your own houses.Download the app and start playing right away.YOU’LL LOVE TOCA LIFE WORLD BECAUSE YOU CAN: If another player files a lawsuit against you, a court minigame will determine the winner in your case.Toca Life World is a game with endless possibilities, where you design and decorate a whole world and fill it with fun characters you collect, create and play! Tell your own stories, whatever they may be – adventures, make-over tales, reality shows, or anything and everything you can imagine! What will you do first – spend a day at the beach with friends or direct your own sitcom? Design a restaurant or run a dog daycare center? Express yourself, explore a mini world filled with fun and don't forget to collect your gift every Friday! ![]() Instead of simply winning the lottery, you will get to scratch off your ticket to determine your prize. When you choose enhanced mode, the game becomes much more interactive. The player who retires with the most funds wins the game. Beware the occasional lawsuit or the Share the Wealth card! In addition to the curveballs life throws, your fellow players are something to watch out for as well. Just like in real life, everything has its pros and cons. Eventually players buy a home, get married and decide whether or not they want to have children. Spending all the money for a college education only to be laid off is one of the risks in this game, just like real life.Īs players continue along the board, life happens in the form of taxes, accidents, volunteer opportunities and more. College careers typically pay more in the long term than other careers, but the debt accumulated in acquiring one is steep. One or two players can have all the fun of playing with a full house by selecting computer players of varying skill levels, making the game more competitive if desired.Īt the start of the game, each player is given $10,000 to start out with and an option to either start their career immediately or pull out a loan to go to college. ![]() The Game of Life supports up to 6 players at a time, making it an excellent family or party game. This makes the PC version of the Game of Life even more interactive and action packed than the original, all without losing the essence of the original game. However, in enhanced mode players must work to earn their cards by successfully completing minigames and activities. ![]() ![]() You will also need extra copies for about a fifth of your students of the Character Map, Problem and Solution handout, and the Story Map (see the end of Sessions 1, 3, and 5).
![]() ![]() Cash-Flow Forecast Template: Essential for financial managers who need to monitor the liquidity of the business, this template projects cash inflows and outflows over a period.Sales Forecasting Template: Used by sales and marketing teams to predict future sales, this template helps you set targets and plan marketing strategies.Startup Financial Projection Template: Tailored for startups, this template focuses on funding requirements and early-stage revenue forecasts, both crucial for attracting investors and planning initial operations.Detailed Financial Projection Template: Best for larger businesses or those with complex financial structures, this template offers in-depth projections, including balance sheets, income statements, and cash-flow statements.Basic Financial Projection Template: Ideal for small businesses or startups, this template provides a straightforward approach to forecasting revenue, expenses, and cash flow.Here's a list of the top types of financial projection and forecasting templates: Determine which one best suits your requirements based on the scale of your business, the complexity of its financial structure, and the specific department that you want to analyze. In addition, financial projection and forecasting templates include long-term planning templates, break-even analyses, budget forecasts, and templates made for specific industries such as retail or manufacturing.Įach template serves different financial planning needs. There are also sales forecasts, cash-flow estimates, and profit and loss projections. ![]() There are many types of financial projection and forecasting templates: basic templates for small businesses detailed ones for big companies special ones for startup businesses and others. Gross Margin Analysis: This looks at the difference between revenue and cost of goods sold.Sales Forecast: This predicts future sales volume, often broken down by product or service.Debt Repayment Plan: This outlines the schedule for paying back any borrowed funds.Capital Expenditure Forecast: This estimates future spending on fixed assets such as equipment or property.Break-Even Analysis: This calculates the point at which total revenues equal total costs.Balance Sheet Projection: This predicts the future financial position, showing assets, liabilities, and equity.Cash-Flow Projection: This assesses the inflows and outflows of cash, indicating liquidity over time.Profit and Loss Forecast: This projects the profit or loss by subtracting projected expenses from projected revenues.Expense Forecast: This predicts future costs, including both fixed and variable expenses.Revenue Projection: This estimates future income from various sources over a specific period.Here are the standard elements in a financial projection template: This tool helps you plan for your business's financial future and growth. This template illustrates expected receivables, payables, and break-even dates. The elements in a financial projection template include future sales, costs, profits, and cash flow. ![]()
![]() ![]() Moreover, you don’t need to worry about the size of documents as the software offers free 5GB cloud storage. This saves you from loss arising from unexpected power outages and system crashes. Ms Word online offers an automatic saving feature that saves your document after every change you make. Realize cloud storage and automatic saving Multiple people can edit the document and improve collaboration efficiency.Ĥ. Microsoft word online supports multiple people viewing, reading, and editing a document simultaneously. Realize multi-person collaborative editing The only requirement is a browser and a stable connection.ģ. The software can run on IOS, Android, MacOS, Windows, and Linux. Microsoft Word online software can be used on any device, no matter its model or OS. Anyone can use the software on their PC, Windows, and MacOS. Free ms word online software means you don’t need to purchase a license and install the software. Microsoft Word online software is free, unlike the desktop version of Microsoft Word. Compared to desktop Word software, Word Online has the following advantages: Originally ms word online software offered saving documents only in Doc format however, now you can save your documents in DocX format in PDF so that you can easily print or compress your documents. The software is associated with Dropbox, and you can easily save your documents. However, the software doesn’t offer password protection for documents. Moreover, the software allows you to insert tables, shapes, and figures. ![]() You can make covers, add a bibliography, create a table of contents instantly, and add a watermark to your documents. Ms word online software also enables users to insert images from the web, keep or change formatting, highlight texts, change fonts, add comments, notes, and references, add hyperlinks, headers, and place footnotes. If you are a regular user of ms word online software, you’ll love its automatic save feature that saves automatically every time you make a change to the document. Microsoft Word online software enables you to create quality documents, edit them with a range of available tools, and save and share documents instantly. You can create a school assignment, a legal contract, write a story, write articles if you are a freelancer, and do more. Microsoft word online software has various functions that are sufficient for every document type and easy to use. Moreover, the software enables editing and adding comments, notes, and references to documents. The functions of ms word online software include the easy creation of documents of any type, be it business, formal, informal, reports, or surveys. Many people prefer it over Google Docs and other free softwares. This software is trusted and preferred by many in the corporate world. You can use this software whether you are a school teacher, student, or business professional. Microsoft Word online is a software used by millions for resumes, writing, reports, and the creation of documents. ![]() ![]() ![]()
![]() ![]() So without any further ado, let us all rise and give our warmest welcome to Mr. Bernadeth Demadara Jonathan Caballero- Andrea Suprecensia The Bearers: Christian Dale Erseda, John Kean Enoja, & Jose Cornelio Gonzales The cute and Lovely Flower girls: Viane Yna Navarro- Vivian Marie Navarro Nashlyn Kate Caballero- Christine Mae Caballero Christine Divine Erseda- Rhenicka Caballero Entrance of the Groom & Bride Emcee: today calls for a grand celebration and it is my distinct pleasure to introduce to you for the very first time Cito and Nerly as husband and wife. The handsome best man and the beautiful Maid of Honor who assisted the couple in their needs: Rex Suprecensia & Mary Joy Caballero The Bridesmaids and Groomsmen: Joven Roy Caballero- Gellie Ann Caballero Remuel Caballero- Ma. The pair that bound the Groom and the Bride together as one: (Cord Sponsors) John Rey Gayla & Rachel Caballero First off is the pair that lit the paths of the Groom and the Bride: (Candle Sponsors) Roger Covacha & Gerly Geronca The pair that clothed the Groom and the Bride as one:(Veil Sponsors) Jeffrey Caballero & Jinky Inselada. Entrance of the Bridal Party Emcee: Now, let us welcome our newlywed’s entourage. Also with us here tonight, it is our pleasure to have Rev _, our officiating priest for the wedding ceremony. Acknowledgement of the Parents Emcee: Now, the _ of Cito Mr_ and his _ Mrs._. Domingo PeñafloridaĮmcee: So there you have it ladies and gentlemen, our most distinguished set of principal sponsors. Please stand and be acknowledge as your name is called: Mr. Let's put our hands together and welcome the Principal Sponsors. ![]() May I introduce you to the people who stood witness to the couple as they took their vows. Acknowledgement of the Sponsors Emcee: First off, we would like to introduce the family and friends who played significant parts in this afternoon's wedding rites. It is indeed a pleasure to have you all this afternoon. ![]() In behalf of Cito and Nerly, we would like to express their heartfelt gratitude for your presence at this memorable occasion. So sit down, relax and enjoy the rest of the day. ![]() And for those who just join in, Welcome! Now here we are at Melrose Inland Resort for the most exciting part - the Wedding Reception for our newlyweds in celebration of the beginning of their new life together. Joseph the Worker Parish for the wedding ceremony. And so, we are done with the solemn part of the celebration and we thank those people who were with us earlier at the St. I am Marlette your host for this afternoon. Welcome Address Emcee: A very good afternoon to everyone and welcome to Cito and Nerly’s wedding Reception. In the name of the Father and of the Son and of the Holy Spirit. Surround us with Your love now and always. Protect, guide, and bless Cito and Nerly and everyone present here. For Your presence here and now and at all times, we thank You. Lord for the joy of this occasion, we thank You. Love between a man and a woman which matures into marriage. Heavenly Father, Love has been your richest and greatest gift to this world. Opening Prayer: In the name of the Father and of the Son and of the Holy Spirit, Amen. Let us all stand, bow down our heads and put ourselves in the presence of God. Let us begin this celebration with a prayer to be led by _. We are about to begin our Reception so please find a seat and make yourself comfortable. Wedding Reception Script Emcee: Good Afternoon Ladies and Gentlemen. ![]() |
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