![]() ![]() Savingsĭave Ramsey recommends setting aside 10-15 percent of your income into savings and investing. You should be aiming to increase your happiness and others through the power of giving. However, if giving away 10-15% of your income is going to put you further into debt, don’t do it! The goal isn’t to cripple your families finances. For some people this looks like Tithing to your church, donating money or supplies to animal shelters, or any other worthy charity or causes you support. Charityĭave Ramsey recommends giving away 10-15 percent of your income every month. Let’s take a little in depth look into each category. ![]() You wouldn’t need much of a transportation budget if you lived in Portland Oregon and biked to work every day. You do not have to follow them if they do not make sense for your family. It’s important to remember that these are only recommended percentages. Personal 5-10% – free spending and hobbies Medical/Health 5-10% – Doctors visits, prescriptions, well-being Utilities 5-10% – water, power, sewer, gas, etc. Saving 10-15% – investing, 401k, retirement planning, cash savings Here are the recommended budget percentages (Also with a friendly pie chart!): Thank you for your support! Dave Ramsey recommended household budget percentages, also, zombies? Dave Ramsey’s recommended household budget percentages Budget Pie Chart Template will be a worthy addition to your collection of professional presentations.This post may contain affiliate links which provide a commision and supports this blog. This template will be useful for company executives, department heads, financiers and economist. If necessary, you can change all the elements of the slide in accordance with your corporate requirements. ![]() The template is designed in a warm color scheme and contains a lot of infographics. You can group the answers by age or income level, education, or place of residence.īudget Pie Chart is a professional and modern template that contains four stylish and fully editable slides. Public relations professionals can use this template when preparing social survey data analytics. Startup executives can use the slides from this template in preparation for their investor meeting. Economists and analysts can also use this template. University professors can use this template to prepare courses on financial analysis or budgeting. You can compare the data obtained with the actual expenses for the last year and analyze the reasons for the increase or decrease in the department’s expenses. You can define categories such as staff training, stationery, business travel, purchasing raw materials, and others. Then, you can present the data using a pie chart and identify the categories with the highest value.Īlso, this template can be used by department heads when leaving the department’s annual budget. You can group expenses or income items of a company into specific groups. This template will be primarily useful for financiers when preparing reports and drawing up a company’s budget plan. Using that data allows you to create a chart with accurate slices for each expense category. This data is gathered through collecting all monthly expenses. In order to create an accurate pie chart, you need to know how much money you’re spending each month. This data comes from your bills and monthly spending. Pie graphs use your financial data to create their picture. Pie graph budgets are especially helpful for people who like to have a visual representation of their budget each month because it shows you an overall picture of your spending and can help you determine if you’re paying too much in one category over another. When it comes to budgets, each slice of the pie graph represents a different category of expense. Making a pie graph can help you create a budget, stick to it and visualize your monthly expenses.Ī pie graph or pie chart uses data to break down a whole into different parts that are each represented by a slice within a circle. How do you decide how much of your income goes to groceries versus entertainment? And how do you account for bills that change monthly, like your electric bill? Many people find that it helps them to have a visual representation of where their money goes. Most people know that they should have a budget, but figuring out how to make one can seem complicated. ![]()
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![]() ![]() You can, however, move one of your pawns two squares directly forward only on the first move. You may like this interesting article about “ how many chess openings you need to learn“ The Move of the PawnĮach of your pawns moves forward one square at a time. This means that, for example, the pawns in front of your two Knight pieces are called the Knight Pawns, and those in front of your King and Queen are called the King Pawn and Queen Pawn respectively. Your pawn is more specialized and multi-functional than you think.Īll eight pawns are named after the chess piece behind them in the first column on your side of the chessboard. ![]() Your battle line of pawns is both simple and complex when it comes to their functions and moves. It might be a common misconception and even an understatement for chess beginners to consider the pawn as a simple and weak chess piece. Of course, this is not always the case, especially for advanced players who use other or stronger chess pieces to start the game. They are usually the game starters, the first chess piece you would often move first to initiate the game. You will notice that it is the smallest piece on the chessboard. You are assigned eight pawns at the start of every game. Now let us look into each chess piece, their respective positions and basic moves in the game. This means that all other chess pieces on the right are named Kingside pieces, while those on the left are called Queenside pieces.įor example, the first four pawns on the right side are called the Kingside pawns, while those on the other side are the Queenside pawns. Study the sample diagram below.Ĭheck out this article about the useful chess terms and chess movesĪs you can see in the board above, the Kingside in the game is always found on the right side of the chessboard, while the Queenside is located on the left side. The designated positions of your King and your Queen in both sides of the chessboard dictate and identify the roles of each chess piece to some extent. The chessboard is also divided vertically into two: the Kingside and the Queenside. The Rook, the Bishop, the Knight, the Queen, and the King chess pieces are positioned behind the eight pawns, from a1 to h1. The squares forming the vertical parts of the chessboard are assigned 1 to 8.Īll eight pawns are positioned and lined up on the second set of squares, from a2 to h2 and a7 to h7, in front of each remaining chess pieces. The squares forming the horizontal part of the chessboard are named a to h. The chessboard has a designated name for each square. It is made up of 64 squares and each player-the White and the Black players-has 16 chess pieces.Īt the beginning of each game, both players have 8 Pawns, 2 Rooks, 2 Knights, 2 Bishops, 1 Queen, and 1 King. The Chessboard Layout With Namesįirst, you have to be familiar with the chessboard set-up. In this article, I will try to share a simple but complete guide about chess pieces (positions, as well as names, and its moves) Here is a simple (but complete) guide for Chess Positions If you are a beginner, you also have to be familiar with some of their specialized moves and their “alternative” functions when you advance their moves in the game.Ĭhess is a game of strategy which requires critical thinking and enough skill, understanding, and mastery of all the moves and functions of each chess piece. That is precisely what I teach my daughter when it comes to the chess pieces, positions, and its moves. When I started learning how to play chess, I was taught first to be familiar with the different pieces, their respective positions in the chessboard and their basic moves. ![]() ![]() ![]() For more advanced tasks, PDFChef by Movavi offers affordable subscription plans (starting from $45.95). Split a large PDF into smaller size filesĮxtract images from PDF files to JPG, PNG, and BMPĬonvert JPG, PNG, BMP, and other images to PDF filesĪfter a free 7-day trial, you can use the program as a free PDF reader. It has enhanced functions that are on par. in and print at your convenience, send the completed forms via e-mail, and apply 128-bit encryption or password protection to. CutePDF Form Filler can be used to save interactive Portable Document Format (PDF) electronic forms to your computer to fill. It offers a basic set of features that allow you to fill out forms and add. Blueberry PDF Form Filler is free software that enables the user to fill and print PDF forms. An Easy, Affordable Alternative for Saving Data in PDF Forms. ![]() Sign PDFs and email them with the signature PDFescape is another popular option for those looking for a free PDF form filler. Tap to enter text or checkmarks in form fields. Scan paper forms with your camera or open a file from email. You can even snap a picture of a paper form and fill it in on your phone or tablet. Insert, crop, and resize an image in a PDF doc The free Adobe Fill & Sign app lets you fill, sign, and send any form fast. You can create documents, fill and sign PDFs, edit text, and convert PDF files into popular formats. ![]() This form-filling software supports both Windows and Mac and works as a PDF viewer, a PDF creator, a PDF editor, and a PDF converter. PDFChef helps you with PDF-related tasks without risking the security of your information. ![]() ![]() To start, use the following equation to get the Y-Intercept: (Σy)*(Σx 2 ) - (Σx)*(Σxy) Let's now review an example to demonstrate how to derive the Linear Regression equation for the following data: The equation of a Simple Linear Regression is: Y = a + bX ![]() Once you're done entering the numbers, click on the Get Linear Regression Equation button, and you'll see the Linear Regression equation, as well as the R-squared and the Adjusted R-squared: How to Manually Derive the Linear Regression Equation Each value should be separated by a comma: Suppose that you have the following dataset: Let's now review a simple example to see how to use the Linear Regression Calculator. The model is designed to estimate the effects of independent variables on some dependent variable in accordance with a proposed theory.How to use the Linear Regression Calculator The independent variables are independent of \(Y\), but are also assumed to be independent of the other \(X\) variables.This can be seen in Figure 13.6 by the shape of the distributions placed on the predicted line at the expected value of the relevant value of \(Y\). While the independent variables are all fixed values they are from a probability distribution that is normally distributed.Figure 13.6 shows the case of homoscedasticity where all three distributions have the same variance around the predicted value of \(Y\) regardless of the magnitude of \(X\). If the assumption fails, then it is called heteroscedasticity. The assumption is for constant variance with respect to the magnitude of the independent variable called homoscedasticity. ![]() It is plausible that as income increases the variation around the amount purchased will also increase simply because of the flexibility provided with higher levels of income. Consider the relationship between personal income and the quantity of a good purchased as an example of a case where the variance is dependent upon the value of the independent variable, income. The meaning of this is that the variances of the independent variables are independent of the value of the variable. The error term is a random variable with a mean of zero and a constant variance. ![]() This assumption is saying in effect that \(Y\) is deterministic, the result of a fixed component “\(X\)” and a random error component “\(\epsilon\).”
![]() Baek's facility after successfully acquiring a temporary cure for her disease.
![]() It could also be written from top to bottom, left to right, bottom to top or right to left! The direction in which the human and animal figures faced told the reader which way to read. Hieroglyphic writing had no spaces between words and absolutely no punctuation! These are known as hieratic and demotic scripts. Over the years, two simpler forms of writing were developed. The original hieroglyphs were too elaborate and time-consuming to use on a daily basis. There were actually three separate types of Ancient Egyptian writing. It makes learning the 26 letters of our alphabet seem like a doddle doesn’t it? Some symbols represented individual words, some represented sounds and others were used to clarify what had come before. There were over a thousand different hieroglyphic symbols. Romantic poems, agreements with other countries, tax returns and even shopping lists have all been found written in hieroglyphs. Hieroglyphics might have been called the gods’ words, but they were used for all sorts of things. And if you’re wondering whether you should be calling them hieroglyphs or hieroglyphics, don’t worry about it. The Egyptians called them medu netjer – which means the gods’ words. For that reason, they called them hiero (meaning holy or sacred) glypho (meaning writing or carving). When they saw the beautiful and elaborate symbols carved onto tombs and walls, they assumed they must be religious writings. But we actually get the term from the (slightly less) Ancient Greeks. Hieroglyphics are one of the most famous things about Ancient Egypt. Egyptians never called them hieroglyphics. Don’t believe me? Read these Egyptian hieroglyphic facts to see for yourself. But it’s not just beautiful it’s fascinating. Just as long as they wrote it all down!Īround 5,000 years ago, people in Ancient Egypt developed a particularly beautiful form of writing called hieroglyphics. It means that when someone dies, all of their knowledge and experience doesn’t die with them. This is because writing is a way of storing and preserving information. ![]() The invention of writing is also one of the most important developments in human history. You look at some squiggles on a page or screen (exactly like you’re doing right now) and pictures, shapes and sounds magically appear in your mind! Incredible. Writing! It’s an amazing thing if you think about it. ![]() ![]() ![]() Take the ideal salary number in the second column below and divide it by the number of hours in the first column to calculate your hourly rate. This would be the lowest price you could charge. For example, if you want to earn $75,000 a year, you should charge a minimum of $25/hour. To determine your minimum hourly rate, take your ideal annual salary and divide by 3000. (50 weeks x 60 hours per week = 3000 hours) That is equal to approximately 3000 hours in a work year, assuming a two (2) week vacation. The average event planner works 50-60 hours per week. From there, you can easily determine what your ideal hourly rate should be. ![]() To determine this, start by asking yourself how much you want (or need) to make each year. “How much is an hour of your time worth?” Download the Ultimate Event Planner Pricing Calculator STEP 2: Determine Your Ideal SalaryĮven if you don’t end up using an hourly pricing structure, you should always be able to easily answer the question: It might seem like a good idea if you are new to the industry however, it takes just as much effort to plan a wedding at $25 per hour as it does at $75 per hour. Remember to never price your services lower than the range above. You read correctly, just select a number that would work for you – I promise you there is a method to this madness. Think about the ranges above, your skills, experience, and knowledge, and pick a Now that you have your three (3) comparison prices, sit with these prices for a moment and try to determine where your price should fall. Once you have done your research list the three (3) most common prices quoted by event planners in your area. How can you confidently say you are the most reasonably priced or the best value if you are not aware of what you’re up against? Here’s what you’ll need to do.īefore you settle on a price for your services, call around and find out what other event planners in your area are charging.Īccording to industry expert Patty Sachs, event planners make anywhere from $12 to $75 per hour, plus vendor commissions. The idea here is to not copy your competitor’s pricing but to use this information to inform your own pricing calculation. This is one of the best ways to gauge where your fees should start. What your competitors are charging will affect how much customers are willing to pay for your services. Just like you price match when shopping, event planning customers do the same. The most important thing to know when pricing, is that charging for your event planning service is not magic, it’s math.Īlso included is a handy worksheet that will help you to develop a baseline for creating other pricing structures such as flat rate pricing and event planning packages. Here are the exact steps to get started: STEP 1: Research what your Competitors are Charging I’ll be showing you step-by-step how to determine an hourly rate for your event planning service. I’m here to show you exactly how to win the pricing game and finally be able to charge your clients with confidence. ![]() My goal is to help event planners build, launch and grow their businesses. What you charge will vary according to the event, the demand for your service, and your location (to name a few). Pricing can be a complicated thing to figure out for event planners. How often do you say “yes” to working with a low paying client and then regret it later? Have you ever felt like you might be charging more/less per hour to plan an event? Let me ask you a few questions about charging:ĭo you ever wonder how much to charge clients for your event planning service? ![]() ![]() ![]() Grey wall spiders are not considered to be dangerous to humans but they can be a nuisance if they get into your home. These spiders are usually black or dark brown in color and they have a very distinct pattern on their back. They get their name from their ability to jump long distances. The grey wall jumping spider is a common type of spider found in Texas. If you see a brown recluse spider in your home, it is important to call a professional because they can be difficult to get rid of. They spin webs in order to catch their prey and they can be very aggressive if they feel threatened. They spin webs in order to catch their prey that are located in areas that are dark and moist. These spiders are brown or yellowish in color and they can be found in many different parts of Texas.īrown recluse spiders are usually found and moist. ![]() They are easily identified by the violin-shaped mark on their back. The brown recluse spider is one of the most dangerous spiders in Texas. ![]() If you have these spiders in your Texas home you should consider calling a professional because they can be difficult to get rid of. They spin webs in order to catch their prey and they are usually brown or gray in color. These spiders are not considered to be dangerous to humans but they can be a nuisance. They are commonly found in basements, cellars, and other dark places. The long-bodied cellar spider is also known as the daddy-long-legs spider. We've noticed an uptick of black widows in Katy, so you should look at our pest control in Katy services if you've noticed these spiders. If you notice these types of spiders around your Texas home you should consider calling a professional because they can be dangerous to humans and pets. They spin webs to catch their prey and they can be found all over Texas. Black widow spiders are usually found in dark places such as under rocks or in woodpiles. They are easily identified by the bright red hourglass shape on their abdomen. The black widow spider is one of the most commonly known dangerous spiders in Texas and in the country. While there are a number of poisonous spiders in the Lone Star State, here are the top 6 common spiders here in Texas: Black Widow Spider Texas is the home to many types of spiders and other crawling insects. 6 Common Spiders In Texas - How To Identify Them It is important to be able to identify these spiders so that you can avoid them if possible. While most spiders are not dangerous to humans, these three species can be harmful if their venom is injected into the skin. Some of the more common species include the black widow, brown recluse, and hobo spiders. There are many different types of spiders that can be found in the state of Texas. ![]() ![]() Full editable sheet!Ī sorted-out report helps them check the whole employing procedure and record occupations, openings, and candidates either acknowledged or dismissed and furthermore let you watch the applicant bent patterns.įree to download, reduce your cost while keeping you well focused on your prime business operations. ![]() It will just foul up with the timetable of (interviews, endorsed, screened, and dismissed hopefuls).Ĭorporations more often than not have a rundown of individual also proficient assessment parameters. Presently envision that you are onto the procedure of long enrollment infer and many applicants will apply and show up before the meeting board. Our excel templates can definitely help and guide you.įormat of Recruitment Tracker Excel Templateīefore downloading it, you can understand the design of this well presented excel spreadsheet: Innovation has an advanced mix of answers for overseeing backup assignments in minutes rather than hours.Įxceed expectations tracker formats are the most straightforward any known for numerous sorts of database control and administration. You can likewise effortlessly see the best reasons why competitors were not chosen. ![]() To tell the truth you can get a moment's perspective of what number of candidates are in the pipeline and wherein the channel candidates are dropping off. You can utilize this basic Excel format spreadsheet to track the status of the candidates (hopefuls) in a composed way. Is it true that you are enlisting for an open employment/position? ![]() Looking for a way to simplify the recruitment or hiring process? You can now download Recruitment Tracker Excel Template. ![]() ![]() ![]() Fighter (valuing, owning, and maintaining your identity in the face of adversity)ĭanieli says her research suggests that intergenerational trauma is universal, an occurrence everyone experiences to some degree.Numb (being emotionally detached, having an intolerance of weakness, and a “conspiracy of silence” - a term that describes a dynamic where survivors feel guilty to burden their families or even entire communities with their trauma and choose not to discuss it). ![]()
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