Someone might say you can get a free report at another website. You are welcome to seek the assistance of the Credit Ombud or the National Credit Regulator in the resolution of your dispute if you are dissatisfied with the procedure at the credit bureau. call Annual Credit Report at 1-87 or go to. However, the inaccurate information will be removed from your credit profile within 20 business days if the credit provider does not dispute the information or acknowledges that it is erroneous. The data will remain on your profile if it is determined to be accurate. The creditor or data supplier has the chance to refute your claim by presenting proof that the data on your credit profile is accurate. If the information in your credit report is inaccurate, you have the right to challenge the information with the credit bureaux.Ĭontact the credit bureau and give them the data they require You will be informed that you have filed a dispute once the credit bureau has received and acknowledged the information. Order a free copy of your credit report from the only government-authorized website: or call 87. If you are ordering a free copy of your state-mandated free. Online Self Service What do you need help with Each of these free services can be completed online. You can order a copy of your free report due to fraud or under state law using the telephone system. If youve ever applied for credit or a loan, there will be a credit report about you. What should I do if I find a mistake on my credit report? Call us Mail in forms to complete some services. Get your credit score and report for free. As soon as we get new or updated information, your credit report will be updated.
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Sure, here are three things you can use a paper clip for besides holding papers together. Sign up for one of the companys sweepstakes. Many things can be done with that little piece of metal. You can get instant Krazy glue or Elmer’s Super Glue or Super Glue Gel or any such thing. You can save a bundle on things such as haircuts and shampoo by taking advantage of Great Clips coupons. The key here, in my view, is not to get odd-shaped, large containers. I have super glue around at home (but not at work) because every once in a while you need it to repair something, and I’ve found my desk drawer as good a place as any to keep it. You can get the vinyl coated ones in black or assorted colors. Ive also installed his Universal Binary on an Intel Mac Mini on Big Sur and it works fine there too. Ideal Gift: The funny magnetic bull design. Thanks to your pointer, Im now using the ian4hu ARM version on an M1 Max on Monterey and it works a treat. I’d like for you to write down five things that you. Now each of you has five sheets of paper. Here’s what I wrote that I want to improve at for Jesus: Give Money to the Poor. It’s just that the vinyl coated ones look a bit nicer and so contribute to a better work environment. EASY TO USE - Magnetic Bull outperforms standard paper clip holders that cause challenges when releasing paper clips. So this morning, I wrote down things I want to be better at as a Christian. The key point here is not to get the metal ones. But I still have a need for them every now and them, so I find it useful to keep them around. Sunday School Lesson: Like God, Paper Clips Hold Things Together RELATED SCRIPTURES: In Deuteronomy 31:6, Matthew 8:24, Psalm 9:9 OBJECTS NEEDED: Large paperclips enough for every child to have one. Theres implementations of the algorithm in most programming languages nowadays, and some state of the art advances that help with performance 1. Remove hair from a brush or broom You can use the sharp end of the paper clip to remove hair stuck in a hair brush. Prevent a roll of paper from unraveling Paper clips can be put at the end of the wrapping paper roll to keep it from unraveling. Use this object to show how God helps us to keep our lives together. Philip Wadler has a seminal paper 0 on implementing pretty printers by modeling them using an algebra. Whitwell Middle School principal Linda Hooper asked language arts teacher Sandra Roberts and associate principal David Smith to begin a Holocaust education. Fix a spectacle To fix a loose screw of your glasses, you can use a paper clip. which essentially says we place more value on things once we have them. I acknowledge that I don’t use paper clips much. Paperclips are like God’s word they keep our lives from blowing around. Learn about the paper clip strategy, a visual cue you can use to stick with good. What liquids have the strongest surface tension?Ĥ.Post 9 in the series: Recommended Productivity Tools Does the shape of the paperclip affect its floating ability?ģ. The Paper Clips are described as ' paper clips ' on the invoice ( Ex. What are the best clipboard managers for Mac 29 Options Considered 1 K User Recs. How many paperclips can the surface tension hold?Ģ. contends but mainly stationery for children or other things, I recognize. To make it a true experiment, you can try to answer these questions:ġ. Many insects, such as water striders, use this “skin” to walk across the surface of a stream. The paperclip is not truly floating, it is being held up by the surface tension. If the conditions are right, they can hold tight enough to support your paper clip. Basically it means that there is a sort of skin on the surface of water where the water molecules hold on tight together. Rob watched Kay clip paper to a well-used wooden easel he'd set up in the side yard. How is this possible? With a little thing we scientists call SURFACE TENSION. the big thing she'd asked him about and he'd sidestepped. With some luck, the tissue will sink and leave the paper clip floating! How does it work? Use the eraser end of the pencil to carefully poke the tissue (not the paper clip) until the tissue sinks. GENTLY place a dry paper clip flat onto the tissue (try not to touch the water or the tissue) GENTLY drop the tissue flat onto the surface of the water Tear a piece of tissue paper about half the size of a dollar bill Bestseller: Long Live Clippy Free Shipping: Super Sized Clippy. Try to make the paper clip float…not much luck, huh? And in the first half of this year, those companiesĭecreased their media spending an additional 3 percent, or $446 Media by about $767 million, according to Advertising Age and TNS Media Over the last five years cut their spending last year in traditional The 25 companies that spent the most on advertising It up, and the money flowing out of the traditional media is huge -Įven at a time when ad budgets in general are growing, advertising “If you step back and look at our mix across most of the major brands,” Mr. Traditional media and more on its Web site, in-store advertising and Told financial analysts that the company would spend less on Lafley, the chief executive of Procter & Gamble, Said that 2008 would be the last year for its longtime sponsorship of Permanent - and ever bigger - part of their advertising budgets.ĭecided to boycott the so-called upfronts, an annual event whenĪdvertisers get together with television executives to negotiate forĬommercial time. But now,Įven the most conventional marketers are making these alternatives a Many large marketers are taking huge chunks of money out of theirīudgets for traditional media and using the funds to develop new, moreĭirect interactions with consumers - not only on the Internet, but alsoīeen experimenting with these alternatives since the 1990s. In the business of keeping the media companies alive,” Mr. That’s down from 55 percent 10 years ago,Īccording to the trade publication Advertising Age. Year, Nike spent just 33 percent of its $678 million United StatesĪdvertising budget on ads with television networks and other Nike’s television commercials and glossy magazine ads. News for the traditional media companies that have long made money from “People are coming into it on average three times a week. Nike’s corporate vice president for global brand and category For Nike, this is advertising.Ī very different way to connect with consumers,” says Trevor Edwards, Running routes, meet up in the real world and encourage one another on There, he has made friends with other runners around the world who post Into his computer and posts details of his run on the Nike+ Web site. After each run near his home in Louisville, Ky., he docks the iPod Saenz, 53, has been running with a Nike+, a small sensor in his running shoes that tracks his progress on an Apple iPod he carries. Trevor Edwards, Nike’s corporate vice president for global brand and “We’re not in the business of keeping the media companies alive,” says There’s a greater emphasis on playlists that have been curated by artists and live performances that are exclusive to the platform, but the total number of songs available is roughly the same. Unless you’re convinced you’ve got superpowered golden ears, though, it’s going to be hard to tell the difference. Tidal offers up to CD quality on its base HiFi tier, which exceeds Spotify’s highest levels. While figures can be murky, Tidal has a reputation for higher royalties and direct artist payouts compared to its rivals. It struggled to dominate the streaming world when it was owned by Jay-Z, but Tidal – still the plaything of billionaires after passing over to ex-Twitter boss Jack Dorsey in 2021 – is still a top choice if you want a step-up in audio quality and want to know your cash is supporting the artists making the music. The free version is good if your budget is, well zero, but we prefer uninterrupted listening. You get ads every few tracks, can only skip six songs per hour and can only shuffle songs from an album or playlist, but you do get Daily Mixes. Is there a free version or trial? Oh yes, there is a free version of Spotify and a month trial of Premium. A family plan of up to six accounts costs £16.99, and the university student plan is £5.99. How much does it cost? We use the individual plan which costs £9.99 per month, but you can also get a Duo plan for “a couple under one roof” for £13.99. There’s a greater emphasis on podcasting than rivals, but luckily no-one is forcing you to listen to Joe Rogan and we still think it’s worth the monthly fee. There’s no spatial audio support or hi-res music, but we’ll be honest: we've never had an issue with Spotify’s sound quality for casual browsing. So if you’ve been on a White Stripes binge it groups together similar bands, and every year it collates your top songs into one massive playlist. We’ve used the Premium tier for years, and love its Daily Mixes that surface music based on the artists you like. There’s even a new AI tool in beta that acts as a real-time mixer, which literally talks you through music that has been picked based on recent listening, going as far as to introduce tracks before they play and tell you what’s coming up. There’s a reason Spotify is the nation’s favourite music streamer: it has tons of music, the app is easy to navigate, it lets you download to listen offline and deploys algorithms that are great at helping you discover new artists. Once you save the output file, the tool leaves the entire layout untouched. Similarly, you can use PDF Editor to write and read encrypted PDF files, ensuring your data remains safe and secure. The program lets you edit the source code of the page with HTML. It’s a good way to keep data safe and organized. With PDF Editor, it’s possible to add stamps like ‘Top Secret’ and ‘Confidential’. Page size can also be modified as per your preferences. Moreover, you can hide certain information on a page, and unhide it later on a different platform. This tool allows you to change the order of your pages, or even delete them within a couple of clicks. Additionally, you can easily edit and organize bookmarks. While using PDF Editor, you can highlight, strikeout, and underline text. If you’re working with documents that can’t be printed due to security features, PDF Editor will unlock certain settings to ensure feasibility. You can simply work on them in the program. Similarly, there’s no need to fill out forms manually. With PDF Editor, you don’t need to rework on various elements only because an address or price has changed. It allows you to remove annotations, which aren’t part of the document, and works on objects without any issues. It won’t be wrong to say that PDF Editor is one of the few tools that let you edit different page objects too. While most tools like PDFill PDF Editor call themselves editing programs, they only allow you to annotate files. While there are plenty of alternatives available, PDF Editor is the only program that lets you annotate PDF files, edit document objects, and manage multiple pages in one program. Like Free PDF Reader and Free PDF Editor, this one also features an ‘Undo’ button, which takes you a few steps back in case of errors. Most importantly, the tool comes with a comprehensive ‘Help’ section and step-by-step tutorials, allowing you to choose the preferred language. Therefore, you don’t need to worry about lags or crashes. In addition to this, PDF Editor allows you to delete, extract, and add pages, split PDF documents, insert page numbers, change page size, remove duplicate pages, organize and create bookmarks, assign passwords, edit properties, and export PDFs to TXT, RTF, PNG, or image files.Īs mentioned earlier, this is a lightweight program, which doesn’t affect system performance. With PDF Editor for Microsoft Windows, you can insert annotations, including free text, note, stamp, radio button, checkbox, form field, vector text, and pictures. Moreover, you can ungroup vector objects to easily manage pages, comments, information, content, and PDF forms. It also lets you copy text, rotate sections, mirror images, skew, align, and flip various elements. The latest version of the program lets you double-click text to make edits, replace or delete sections, remove separation characters, and change fonts.Īdditionally, the program comes with a search function. Once you open a file on PDF Editor, you can use a wide range of editing tools, such as circle, square, brush, ellipse, table, rectangle, lines, arrow, color picker, bucket fill, and more. With an integrated picture editor, adding or changing images is a seamless task. Moreover, the drag-and-drop interface lets you handle editing jobs with ease. If you want to edit text, simply double click on an object to proceed with editing. Moreover, PDF Editor lets you correct spellings, change phone numbers, and add text within a few clicks.Ĭompared to Adobe Acrobat Reader DC, this program is a cheaper alternative to manage PDFs. While the toolbar seems slightly cluttered, you can easily add text, PNG, and images to files. With a simple and clean interface, this platform focuses on an Explorer-based layout, which leads to a user-friendly GUI. PDF Editor is an excellent software to view, convert, merge, and edit PDF files. Plenty of features, fast processing, and easy to use! Since it’s a lightweight program, you don’t need to worry about lags or crashes. Regardless of the source of your file, PDF Editor can be used to view the document, change certain elements, and print PDFs within seconds. Whether you want to change existing text or add text to PDF documents, this tool lets you perform several functions with ease. With this program, you can easily create, edit, convert and merge PDF s. PDF Editor is a popular productivity tool designed and developed by CAD-KAS. Joe Wainer Updated 2 years ago Edit PDFs seamlessly and quickly! It covers Social Security and Medicare, and the rate is 15.3%, with 12.4% going for Social Security and 2.9% for Medicare. In addition to income tax, there is a separate tax self-employed people must pay called the self-employment tax. "You need to maintain a record of your internet/phone expenses, and then deduct based on the percentage used exclusively for business purposes." 3. "There's an overarching calculation that can be used when looking to deduct internet and phone expenses related to business use of internet/phone," says Richmond. If you use either service for both work and personal use, you should only deduct the portion associated with your business. You have the option to deduct internet and phone bills incurred while conducting business, such as while working from your home office. TurboTax is committed to getting you your maximum refund, guaranteed.You won’t pay for TurboTax until it’s time to file and you’re fully satisfied.CompleteCheck™ scans your return so you can be confident it’s 100% accurate.Snap a photo of your W-2 or 1099-NEC and TurboTax will put your info in the right places.Jumpstart your taxes with last year’s info. Tell TurboTax about your life and it will guide you step by step.As usual, you should keep receipts of anything you want to deduct. It also includes more expensive items such as computers and printers (these are capital assets that are not deducted as supplies but rather depreciated). This deduction is separate from the home office deduction and includes things like pens, staples, etc. You can deduct office supplies you use as part of your business. Try both options to see which leads to a larger deduction. Quick tip: While the simplified option is easier, it caps at $1,500. You calculate the deduction by completing Form 8829 to itemize these expenses, which makes keeping receipts very important, says Richmond. If you opt for the regular method, there are many types of expenses you can deduct, including physical objects such as furniture and appliances as well as utilities, insurance,maintenance and repairs. Regular method: This method uses the actual expenses you incur. While it's a relatively easy way to account for such expenses, keep in mind that the 300 square-foot limit results in a maximum deduction of $1,500, says Ben Richmond, chartered accountant and US country manager (US) at accounting-software provider Xero. Simplified method: This method uses a standard deduction of $5 per square foot of home used for business, up to a maximum of 300 square feet. There are two methods of deducting home office expenses: The home office deduction allows you to deduct any portion of your home that you use regularly and exclusively for work. Here are some of the most common deductions that can help you reduce your taxable income and maximize your profits. Understanding the basics of what expenses you can deduct is important whether you decide to file a return on your own or hire an advisor to help guide you through it. Having to report your own business income and expenses adds another layer of complication. By clicking ‘Sign up’, you agree to receive marketing emails from InsiderĪs well as other partner offers and accept ourįrom long hours to variable income, self-employment can be a tough way to make a living. If she comes close to him, she will leap at Gregory in an attempt to catch him. Roxy is very fast and persistent when chasing Gregory. She also does not want her friends to see this more vulnerable side of her, as when Glamrock Freddy enters her room while she is crying, she angrily tells him to get out of her room. Roxy talks to herself a lot, and cares a lot about her appearance, sobbing and wailing after Gregory partially destroys her face. Later, she is shown to have low self-esteem issues, as at one point she can be seen calling herself a failure while looking in the mirror. She taunts and insults her enemies, notably insulting Gregory by saying he has no friends and that no one will miss him. Roxanne Wolf is self-centered, shown by her repeatedly complimenting herself in the mirror, and furiously asking Gregory if he thinks himself better than her. It is possible that this is was spare mask that she used in a blind attempt to repair her face. Strangely, her exposed metal face has been replaced by a newer, fish-like skull rather than the default one shared by all the Glamrock Endos. Both her ears are gone, showing the endoskeleton beneath. Her torso has been broken completely open and her hair tangled. Roxy has been damaged even further following the blaze. Roxanne's shattered design somewhat resembles Withered Bonnie's design, albeit only missing her eyes. Her voicebox is slightly damaged when she speaks, and her casing is shattered, partially exposing her endoskeleton. Her face is mostly destroyed, and her hair is a tangled mess, with makeup protruding from all around. She can only rely on voice cues to catch Gregory. Her eyes are taken by Gregory to upgrade Glamrock Freddy, blinding her, but also making it so she can no longer be stunned with a Fazerblaster or Faz-cam. Her clothes consist of a red crop top t-shirt printed with some black star shapes that exposes her stomach, black earrings, bracelets around the wrists and neck, a spiked belt, red short-shorts, and red shoulder pauldrons.Īfter being hit by a mini-kart at the Roxy Raceway, Roxanne is heavily damaged. She also has light grey markings on the inside of her ears, paw pads, around her muzzle, and on her belly. Just like Glamrock Chica, there is a panel-like seam under her chest, as well as on both of her outer upper arms, but additionally has panels in the same relative position on her upper thighs. Her hair is long and silver, with a bright green streak. She wears purple lipstick and toenail paint, green fingernail paint, and face paint with a series of black markings. Her eyes are bright yellow, while her fur is gray. Roxanne is an animatronic wolf with a punk rock aesthetic. |