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Free one-way transfers and free direct deposits are available for the Betterment Youth Savings Plan. On the back end, there is a built-in education system, the Betterment service platform, that reduces the number of customer support hours that Betterment needs to provide.īetterment has no account minimums, no account fees, and no product commissions. On the customer-facing side, clients use web or mobile apps to view their accounts, make changes, and engage with Betterment. In 2017, Betterment added a Youth Savings Plan that allows parents and custodians to open a savings account on behalf of their minor children.īetterment achieves its low-cost structure by using technology to streamline the investment process. Unlike other robo-advisors, they only manage investments for taxable accounts. Monitor investments, account history, trading, and cashīetterment is a robo-advisor aimed at helping investors buy low-cost index funds.You can set up the account for free, but in order to utilize the full platform, you will need to upgrade to the Premium level. Plus, you can set the risk tolerance to whatever you are comfortable with. There is a customization available to either accept your plan or make changes to certain allocations. Your risk tolerance is also taken into consideration. Personal Capital will show you how much of your money is invested in stocks, bonds, mutual funds, ETFs, Individual Stocks, cryptocurrencies, and more. Although unlikely, it’s possible that if you’ve built your plan yourself or used older software, there could be a mistake within it. It shows you your entire investment plan. ![]() However, we believe that Personal Capital’s most amazing feature is the Investment Checkup. The platform also shows you tax-loss harvesting, net worth by age, liquid net worth, and non-liquid net worth. Your wealth can be measured in dollars or as a percentage of your net worth. It shows you your specific balance, including any assets not connected to your portfolio. This platform is incredibly user friendly as well as scalable, so you are able to determine your own portfolio’s allocations. Wealth management has evolved thanks to companies like Personal Capital. The tool can provide details, including interest payments, dividends, and any gain or loss in value during different periods. You can also track other investment options like bonds and commodities. You can track stocks from multiple sources, including major exchanges such as the NYSE. Ll Quicken allows you to track your investments. The following are just some corners of the tool that can help you earn more money in different ways: The tool comes with a range of features for you to make your money work harder for you. You can consider Quicken a personal money making tool. Quicken is the perfect tool for managing investments, tracking stocks, or making the most of your budget. Quicken has everything you need to manage your day to day life but is designed to help you earn the most of your financial situation on a long term basis. One of the biggest benefits of using Quicken is that it’s actually a moneymaking tool. It offers a huge range of innovative features that make managing your money easier. One of the biggest reasons Quicken is so well known is because it’s not just a few features. ![]() Quicken software is well known for their range of financial features. It’s called Microsoft Money (or MS Money). If you’re on the Microsoft platform, you probably already know that Microsoft makes personal finance software as well. It’s not as pretty, but it has a very similar feature set. ![]() This open-source program won’t cost you a cent – not even for transactions. If you’re feeling a little more adventurous, you might want to give GnuCash a try. Some great programs that are available on all three platforms are Moneydance and Personal Capital.īoth are free to use for transactions and tracking expenses – but the paid versions allow you to link up your bank accounts, so you can see a complete picture of your finances and your net worth. There are several other programs that are available, and they offer similar functionality and features, so what’s the best replacement?Ī lot of action happens on the Mac nowadays, and there are a few great apps that will probably meet most people’s needs. While it’s popular, by no means is it the only game in town. Quicken is an old name in the personal finance world. What Replacements Are Available? (Some Are FREE!) What Replacements Are Available? (Some Are FREE!). ![]() Pre-purchase FM21 from to enjoy early access to the Beta version by early-mid November, a free copy of FM Touch 2021 for PC/Mac (also with early Beta access), a unique buyer badge on our site, and our gratitude for supporting our community financially. Buy Football Manager 2021 Xbox Edition (Xbox ONE / Xbox Series XS) cheaper on Instant Gaming, the place to buy your games at the best price with immediate. From FM22 onwards, the Manchester United football club will be named ‘Manchester UFC’ or ‘Man. Windows 24 November 2020 Touch, Xbox Edition 1 December 2020 macOS, iOS, Android 24 November 2020 Touch 1 December 2020 Xbox One, Xbox Series X/S 1 December. In addition to the Xbox One, FM21 Xbox will also be available on the new Xbox Series X and Xbox Series S and it’s just one price for you to be able to play the game across all of them.įootball Manager 2021 Officially Revealedįull feature details and other functionality info will drop in early November.ĭue for release before the end of the year, the number of playable leagues of FM21 Xbox will differ based on the Xbox device you are playing on. Football Manager 2021 is available right now on Xbox One and Xbox Series XS via Xbox Game Pass. enjoy Xbox Live Gold and an EA Play membership, all for one low monthly price. ![]() Football Manager 2021 Xbox Edition is carefully redesigned for full optimisation with the Xbox controller, and thanks to Microsoft’s Play Anywhere technology, you can kick-off your career in style on console and then pick-up your season on any Windows 10 PC. Xbox One) January 31 Hogwarts Legacy February Football Manager 2023. fot extensions.Īdditional discussions of fonts and font selections appear in individual entries, such as Lyrics Expressions Text and so on.įor a list of all the characters in each font that comes with PrintMusic, see the Character Sets for Maestro and Jazz. TTF extensions, and Windows will create corresponding files with. (Note that PostScript font installation is printer specific and that the PostScript fonts are only visible to the printer that was selected as the default printer when the fonts were installed.) The solution is to go to the Fonts Control Panel and manually add the Maestro font to your system. If, when you open PrintMusic, large text symbols like ![]() Since 2005, Bresciani has focused initiative on the revitalization of historic traditions and festivals of Western culture with special attention to the Festival for the Reinstatement of the Delphic Games and since 2011, theĬarnevale di Venezia. Jeanne is the subject of feature articles in Dance Magazine, Dancer Universe and Conscious Dancer Magazine. candidates in Expressive Arts Therapies in China and launched The IDII European Certificate Program in Isadora Duncan Studies in 2016, which moves amidst European capitals annually. Jeanne founded the first Isadora Duncan Certificate Program in Beijing in 2015 under the auspices of The Apollo Institute, dedicated to the training and development of M.A. At the 92Y, an historic home of Modern Dance, she directs the Isadora Programs in education, the Jeanne Bresciani & the Isadora Duncan International Institute Dancers and the 92Y Isadora Youth Ensemble. Rowe and Kay Bardsley at New York University as faculty performance study tours abroad, entitled, Sacred Topographies: The Body and the Land followed by The Certificate Program II: The Advanced Diploma in Performance and Choreography and The Certificate Program in Myth, Movement and Metaphor: specializing in choreographic research – all based today at three sites – Tempio di danza, the Hudson Valley home of the IDII in High Falls, NY, Skidmore College in Saratoga Springs, NY, The 92Y Harkness Dance Center in NYC and locations of import abroad. Bresciani founded and directs the first professional programs in Isadora Studies: The Certificate Program I : The Training in Technique and Choreography originally under Maria-Theresa Duncan’s guidance with Dr. The Institute has brought Duncan’s universal approach to movement, art, and the humanities to diverse populations around the world in the form of experiential, choreographic and educational workshops and classes, as well as through performances and lectures delivered by IDII scholars and performers. Its results are choreosyntheses of music and dance, both ancient and eternal, in a modernly eclectic yet vividly refined way. Based in the artistic, choreographic and theatrical realms of the muses and their legacy to museums, Bresciani draws forth Duncan’s unique contribution of forging choreographic masterpieces based on the great periods and masterworks of art from the classical to modern. Her lineage encompasses years of intensive study and performance with Hortense Kooluris and Julia Levien of the Anna and Irma Duncan heritage, childhood dance training and young adulthood internship with Anita Zahn of the Elizabeth Duncan School and mentorship with Victor Seroff, Isadora’s biographer and last love under whose authority, she cataloged The Library of Isadora Duncan in the Victor Seroff Collection, M.A. Jeanne is recognized nationally and internationally as a solo performer, choreographer, educator and scholar of unparalleled authority on Isadora Duncan’s life, works and performance repertoire. ![]() (IDII), founded by Maria-Theresa Duncan, ‘the last dancing Isadorable’ and Kay Bardsley in 1977. ![]() (New York University, Myth and Image in the Dance of Isadora Duncan), the main protégée of Maria Theresa Duncan, adopted daughter of Isadora Duncan, serves as Artistic Director for the Isadora Duncan International Institute, Inc. (Archetypal Psychology/Laban Studies), Ph.D. (New York University, Fulbright Scholar), I.M.A. (Williams College in collaboration with the Sterling and Francine Clark Art Institute, Kress Fellow), M.A. ![]() Jeanne Bresciani, Ph.D., Artist Director Jeanne Bresciani in Water Study – Photo by Lois Greenfield ![]() With less than 30% of its operating profit currently going towards debt service, I believe the company is close to deleveraging to a comfortable position that would allow it to consider directing its free cash flow towards dividends or a share buyback. Its weighted average cost of debt is 3.75%. It recently issued 3 year debt at an interest rate of less than 1%. The company has a market cap of $6.7 billion and $10 billion of debt, which some may find disconcerting. The consensus estimate is for the company to earn $5.37 per share this fiscal year ending September, which is consistent with the financial guidance the company has provided. It used all this to repay debt.įor 2021, the company expects similar financial performance and cash flow, with organic volume growth of 2%. The company generated $900 million of free cash flow or close to $7 per share. I would not give them a pass on these, but believe that most of the amortization of intangibles of $300 million is a valid add-back. The company calculated an adjusted net income per share of $4.85 after adding back certain expenses like restructuring charges. This amounted to $4.14 for each of the 135 million diluted shares. After $400 million of interest expense, the company had $700 million of pre-tax income and $560 million after taxes. Organic revenue was roughly flat YoY, with some volume increases offset by lower prices from pass-through of lower resin costs. ![]() In July 2019, the company completed the acquisition of RPC Group for $6.1 billion, which significantly increased the size of the company.įor the fiscal year ended September 2020, the company reported $11.7 billion in revenue and $1.2 billion in operating income. 53% of revenue is in North America, 36% in Europe and 11% in the rest of the world. There is not much supplier or customer concentration. The primary raw material that the company uses is plastic resin. ![]() The company's competitors include Amcor ( AMCR), Silgan ( SLGN), AptarGroup ( ATR), Reynolds ( REYN), Intertape ( OTCPK:ITPOF), 3M ( MMM), Tredegar ( TG), Avgol and Fitesa. Health, Hygiene & Specialties: Manufactures material for medical garments, surgical drapes, cleaning wipes, face masks, diapers, dryer sheets and filtration products. 24% of revenue, 27% of operating income.Įngineered Materials: Manufactures stretch films, sealant films, trash can liners, tapes and agricultural films. 36% of revenue, 25% of operating income.Ĭonsumer Packaging North America: Manufactures containers, beverage cups, lids, bottles, vials and tubes. It operates in the following segments:Ĭonsumer Packaging International: Manufactures dispensing systems, inhalers, bottles, vials, films, containers, lids and molds. The company is headquartered in Evansville, Indiana and has operations all over the world. I believe its shares have 30% upside to fair value. The company is growing earnings and rapidly deleveraging using its strong cash flow. As a maker of materials that go into medical garments, cleaning wipes and face masks, it has benefited to some degree, offsetting lower food service demand. The Social Workers have direct contact with family members.With most technology stocks trading at more than 30x earnings and even moribund retailers skyrocketing, are there any cheap stocks left in the market? Surprisingly, I found one that trades at a single digit multiple of earnings and free cash flow.īerry Global ( NYSE: BERY) is a diversified plastics and packaging maker that has been unaffected by the pandemic. The EAOC and MOD can be reached through the Operator at (973) 538-1800. The EAOC reports any serious or newsworthy events to the CEO or designee. The ADN reports all unusual circumstances to the EAOC who acts on behalf of the CEO. In addition to the ADN's 24 hour coverage, an Executive Administrator (EAOC) and Medical Officer (MOD) are also available on off-hours (i.e., evenings, nights, weekends and holidays). Joshua Ijola, Ruben Milan, Suzanne Taylorĭonita Anderson, Maryellen Miller, Wen-Ing Ren The upper edge of the cartilage is curled upon itself, being bent laterally so as to present on transverse section the appearance of a hook a groove or furrow is thus produced, which is open below and laterally, and this part of the canal is completed by fibrous membrane. The cartilaginous part of the Eustachian tube is about 24 mm in length and is formed of a triangular plate of elastic fibrocartilage, the apex of which is attached to the margin of the medial end of the bony part of the tube, while its base lies directly under the mucous membrane of the nasal part of the pharynx, where it forms an elevation, the torus tubarius or cushion, behind the pharyngeal opening of the auditory tube. The vestibule of the Eustachian tube is known as the protympanum, The protympanum is also known as the anterior part of the bony part of the tube. It begins in the anterior wall of the tympanic cavity, below the septum canalis musculotubarius, and, gradually narrowing, ends at the angle of junction of the squamous and the petrous parts of the temporal bone, its extremity presenting a jagged margin which serves for the attachment of the cartilaginous part. The bony part ( 1⁄ 3) nearest to the middle ear is made of bone and is about 12 mm in length. It consists of a bony part and a cartilaginous part. The Eustachian tube extends from the anterior wall of the middle ear to the lateral wall of the nasopharynx, approximately at the level of the inferior nasal concha. A diver also experiences this change in pressure, but with greater rates of pressure change active opening of the Eustachian tube is required more frequently as the diver goes deeper, into higher pressure.ģD reconstruction of the air cell system of the temporal bone including the eustachian tube and its narrowest area in close proximity to the ear, the isthmus Active opening of the Eustachian tube (through actions like swallowing or the Valsalva maneuver) is required to equalize the pressure between the middle ear and the ambient atmosphere as the plane descends. The air in the middle ear expands as the plane gains altitude, and pushes its way into the back of the nose and mouth on the way down, the volume of air in the middle ear shrinks, and a slight vacuum is produced. When taking off in an aircraft, the ambient air pressure goes from higher (on the ground) to lower (in the sky). Normally, the Eustachian tube is collapsed, but it gapes open with swallowing and with positive pressure, allowing the middle ear's pressure to adjust to the atmospheric pressure. Unlike the air of the ear canal, however, the air of the middle ear is not in direct contact with the atmosphere outside the body thus, a pressure difference can develop between the atmospheric pressure of the ear canal and the middle ear. In humans and other tetrapods, both the middle ear and the ear canal are normally filled with air. It is named after the sixteenth-century Italian anatomist Bartolomeo Eustachi. In adult humans, the Eustachian tube is approximately 35 mm (1.4 in) long and 3 mm (0.12 in) in diameter. ![]() In anatomy, the Eustachian tube ( / j uː ˈ s t eɪ ʃ ən/), also called the auditory tube or pharyngotympanic tube, is a tube that links the nasopharynx to the middle ear, of which it is also a part. ![]() 2019.08.07: Added options for battles, Support for v1.003 game version. “Drain Enemy Units HP” works for selected enemy/NPC units on map “Drain Enemy Units HP (In Battle)” works for all enemy units in battle.Ģ020.10.31: Support for v1.303 game version. This mod adds both a cosmite reward drop and a cosmite income to silver and gold landmarks.This mod creates new racial units for each race in the game using the Xenoplague Secret Tech. ![]()
I use brown bread crumbs – it gives a good flavour and increases the chewiness level a little further. I like it (and I have tried several recently) because it has a lot more bread in it than most other recipes – treacle tart should be chewy with a hint of and must hold its shape when cut, many recipes fail in this respect. Here’s the recipe that I use for a treacle tart. Then just to complicate things further, Jane Grigson mentions that the predecessor to the treacle tart is the sweetmeat cake – again a 17 th century invention – that uses candied orange peel, sugar and butter as a filling and no treacle or bread whatsoever!Īll this confusing history waffle is giving me a headache. Heston Blumenthal in his book Total Perfection also mentions a 17 th century ‘tart of bread’ where bread and treacle are mixed with bread, spices and dried fruit and baked in an open pastry shell. Jane Grigson mentions a gingerbread recipe from 1420 in her book English Food where spices and breadcrumbs were mixed together with plenty of honey to make a gingerbread that seems pretty similar a modern treacle tart, but without the pastry. ![]() It starts cropping up in recipes for gingerbread in the mid-18 th century. Prior to the 17 th century, treacle was used as a medicine it was considered very good for the blood and was therefore used in antidotes to poisons. The terrifying Childcatcher from Chitty Chitty Bang BangĬoaxing the children with shouts of “treacle tart! All free today!” The other problem is the recipe Mary Jewry gives is nothing like the beloved treacle tart from our childhood. The treacle here is black treacle, and this highlights the problem in researching the origins of this pudding treacle meant any viscous syrup that was a byproduct of sugar refinery and specifics are not always pointed out, even after golden syrup became popular. However, the earliest recipe I have found for a treacle tart actually dates to 1879 – before the invention of golden syrup! The recipe is by Mary Jewry and is a tart made up of alternating layers of pastry and treacle. The pudding itself as we know it has only been in existence since the late nineteenth century since golden syrup was invented in the 1880s. Treacle tart was very popular with poorer families – the two main ingredients being bread and treacle – no expensive fruits and spices here. It is probably the ultimate child’s dessert because it is so unbelievably sweet it makes my teeth hurt just looking at one! That aside, I have never really lost my sweet tooth and I love treacle – meaning golden syrup of course in this case (see here for a post on treacle). ![]() ![]() A classic British nursery pudding, the treacle tart is much-loved. ![]() So while we think it’s a well-built, breathable, and nice-looking hamper, we think it’s a bit over-engineered and just can’t justify the cost when there’s great alternatives for a quarter of the price. At $150 for the single and $200 for the double, this hamper is definitely not cheap. The frame itself cannot be collapsed or folded, which we thought was counterintuitive to the x-frame design. Doing the washing might be a chore but, once its done, there are few things nicer than the smell of freshly laundered clothes. Hot Sale 500mL 800ml Collapsible Silicone Lunch Boxes Microwave Silicone. Once you remove the bags from the frame they don’t stand upright on their own, which can be annoying for unloading or placing folded laundry back inside. The ultimate space saving design, this Addis White Fold Flat Laundry Basket is perfect for storing in the cupboard, between the washing machine or even under the bed when not in use. Shop for great deals of wholesale food storage containers aldi with good prices. We tested the double hamper, which made it easy to sort dark and lights. Each bag carries about one large load of laundry. It’s made of a heavy-gauge steel frame and comes fully built, all you have to do is insert the sturdy, polyester gray laundry bags into place by placing the steel rods into the notched placeholders (the rods are also easy to remove whenever you want to run the bags through the wash.) The bags are made of recycled plastic, so it’s best to air dry them to avoid melting. 1 SAMMART 42L (11 gallon) Collapsible Plastic Laundry Basket Foldable Pop Up Storage Container/Organizer Portable Washing Tub Space Saving Hamper/Basket (1, White/Grey) 32.99 View Product Product Highlights: Patent: US 9,926,105 B2 DE 20 2014 101 047 U1 ZL 2014 1 0386688.1 BPA Free. The dimensions on this year’s tub are 18.6 x 14.9 x 9.7 inches when it is fully opened and 18.6 x 14.9 x 2.8 inches when it is collapsed.If price is not an object and you want a sturdy, well-built hamper with removable bags: The Simple Human X-Frame Laundry Hamper comes in a single and double size. It has a hard plastic upper rim and hard plastic base, with a more pliable plastic material making up the sides. May 25 Collapsible Laundry Basket by Rebrilliant 27.99 59.99 ( 48) 2-Day Delivery Get it by Thu. The tub takes a little effort to collapse and open back up again, but it’s not too hard. Showing results for 'collapsable silicone laundry basket' 58,921 Results Sort by Recommended +2 Colors Collapsible Laundry Basket by Rebrilliant From 25.99 59.99 ( 92) 2-Day Delivery Get it by Thu. Once the tub is emptied and rinsed, it doubles as a good spot to put your wet, clean dishes and cookware set the tub in the sun and let your dishes dry. If you intend to use this for camping, and if you’re trying to decide between the collapsible tub and the collapsible dish drainer, and if your space is limited - as is often the case with camping - I recommend buying the collapsible tub. Last year, I bought the collapsible tub to use for washing cookware and some dishes while we camp, although it’s also suitable for household use if you need a bucket or storage tub. Remember, these are limited-time ALDI Finds, and once they’re gone, they probably won’t be back in stores until next year. It’s also marketed alongside the similar Adventuridge Collapsible Dish Drainer, which some of my friends own and like. 616 results Flexible Laundry Basket Diamond Round Gray - Room Essentials Room Essentials Only at ¬ 727 5.00 When purchased online 1.5 Bushel Rectangular Laundry Basket Gray - Room Essentials Room Essentials Only at ¬ 922 5.00 When purchased online 1. This 5-gallon plastic tub with two handles sells for $12.99 at the time of publication and comes in blue or green. It’s an example of how Aldi is quietly lowering prices on certain Aldi Finds.Īmong the dozens and dozens of camping items Aldi sells every year is one unique item, the Adventuridge Collapsible Tub. Tomsi Collapsible Silicone Laundry Basket - Oval Tub/Basket - Foldable Storage Organizer - Portable Washing Tub - Space Saving Laundry Hamper Large Capacity (Orange) Brand: Tomsi 1841 Color: Orange 18.41 18. EDITOR’S NOTE: Aldi sold this again in May of 2023 for $9.99, which is $3 less than what I paid for it in 2019. |
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