In a world where we’re snapping hundreds and thousands of images yearly, that’s really important. 1 most downloaded photo app on iOS, per Apptopia) happens to have the best search. Pro: The default photo app on Android phones (and no. Why: Pay $9.99 monthly for 2 TB of storage, and have an easier time finding your photos and videos, thanks to Google’s superior search. Videos are included in auto uploads, but only if they’re 1.5 GBs or less, which knocks most of my videos out of the auto loop. If you remember when you snapped the photos (or visited a specific place) you’ll have an easier time finding those images. Everything you snap on your phone goes into a specific storage folder that’s organized by month and year, so even when on vacation, you know everything is being backed up while you sleep.Ĭon: Search for photos isn’t in the Google/Apple league, although you can help yourselves by taking the time to keyword and tag photos, a chore many people may not want to do. Photos look great on the Web and in the app, they’re easy to share, and the auto-upload process works like a charm. ![]() Pro: (Full disclosure: SmugMug is sponsoring the upcoming season 4 of # PhotowalksTV.)Īimed at photographers, but accessible to all, the price and SmugMug services (customer support that answers questions within minutes) should make anyone looking for a safe home for their photos consider it. ![]() Why: With rates starting at $75 yearly for unlimited storage, it’s the most affordable of the services. My recommendation: store your stuff on Amazon, but elsewhere as well. This happened in 2017 when Amazon killed off what was called “Cloud Drive,” a service that also, at one time, offered unlimited storage. And you could upload your entire photo library to Amazon and see the terms one day and suddenly change. Another bonus: if you have Amazon Fire TV streaming, your recent smartphone pictures (or ones uploaded from your camera) will show up on the TV as a screensaver, and that’s fun.Ĭon: The interface of the Photos app isn’t pretty, navigation is tough, and the canned slideshows Amazon creates to really bad music aren’t worth your time. Download the Amazon Photos app and you can set up automatic uploads from your iPhone or Android device. Why: Members of the $139 yearly Prime subscription service for faster shipping and entertainment also get unlimited photo (but not video) uploads. The question is: where do your dollars go, as you have several alternatives. I try to stay on top of my Gmail, but my mailbox currently has 46.27 worth of gigabytes that needs to be cleared out, and I have 17.21 GBs in Google Photos.Īpple and Microsoft give you 5 GBs of “free” storage as starter points, but a few weekends of casual photo and video shooting, and you’ll eat that up in no time. Google offers 15 gigabytes of “free” storage, but that counts for Google Photos, as well as Gmail and Google Drive. There’s no such thing as free backup anymore. And paying more in the coming years as well, as you snap more images. This time I’d like to go over the best alternative photo backup options for you in more detail, because like it or not, in today’s world, just like paying for food, shelter and taxes, if you snap photos on your smartphone or camera, you will be paying for online storage. ![]() When last we met, I pointed out the perils of using Apple’s iCloud Photos for photo backup for one simple reason: if you delete an image off your iPhone, Apple will in turn also delete it from iCloud*.
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![]() The sum of the numbers from 1 to n is given by the equation n * (n+1) / 2. ![]() For a 24-month loan, the denominator is 300. For a twelve-month loan, the sum of numbers from 1 to 12 is 78 (1 + 2 + 3 +. The denominator of a Rule of 78s loan is the sum of the integers between 1 and n, inclusive, where n is the number of payments. Ī simple fraction (as with 12/78) consists of a numerator (the top number, 12 in the example) and a denominator (the bottom number, 78 in the example). That means if you pay off the loan early, you’ll end up paying more overall for a Rule of 78s loan compared with a simple-interest loan. But because of some mathematical quirks, you end up paying a greater share of the interest upfront. The Rule of 78 is designed so that borrowers pay the same interest charges over the life of a loan as they would with a loan that uses the simple interest method. If the borrower pays off the loan early, this method maximizes the interest paid by applying funds to the interest before principal. As such, the borrower pays a larger part of the total interest earlier in the term. ![]() The outcome is that more of the interest is apportioned to the first part or early repayments than the later repayments. This is an accurate interest model only based on the assumption that the borrower pays only the amount due each month. The name comes from the total number of months' interest that is being calculated in a year (the first month is 1 month's interest, whereas the second month contains 2 months' interest, etc.). Contact our sales department here to learn more.Also known as the "Sum of the Digits" method, the Rule of 78s is a term used in lending that refers to a method of yearly interest calculation. Our loan servicing software handles Rule of 78s loans with ease along with other interest types and options. So, over the life of the loan, the total yield of interest is identical to what you would get on a simple interest loan with the same parameters, but the Rule of 78s amortization will front-load that interest. This number would be considerably lower than what you would get from the add-on interest calculation at the same rate. The total interest payments over the life of that simple interest loan is then taken to be the add-on interest in the Rule of 78s calculation. The loan system simply sets up a simple interest loan with the same parameters in memory and runs the amortization schedule. If you are operating in a situation where add-on interest is not an option, then you can define the loan as Rule of 78s-Simple. Similar to the one-year loan example used above, the rule of 78s is used to determine what fraction of this add-on interest is to be paid in the first month of the loan, what fraction in the second month, etc. This resulting interest figure is added on to the principal balance of the loan, and then the result is divided by the number of payments in the loan to determine the monthly payment amount. There are two kinds of rule of 78s loans: Add-on and Simple Add-OnĪn Add-on interest loan is one where the monthly payment amount is calculated similar to what we noted above, by multiplying the principal balance by the add-on rate and then multiplying by the term (in years). Here is an example of calculations between simple interest and Rule of 78's. However, because the Rule of 78 weights the earlier payments with more interest than a simple interest method, paying off a loan early will result in the borrower paying more interest overall. If the loan is not terminated or prepaid early, the total interest paid between simple interest and the Rule of 78 will be equal. In brief, the Rule of 78 weights earlier payments with more interest than later ones. Thus, for a one-year loan 12/78ths of the interest is considered earned in month one, 11/78ths in month two and so on down to 1/78th in month twelve.ĭifference Between Rule of 78s and Simple The number 78 is derived from the 12 months in a one-year period. As we all know, when paying off a loan, the repayments consist of two parts: the principal and the interest charge. ![]() The Rule of 78s is a method for amortizing an amount of interest which has been pre-computed over the life of the loan and dividing that interest over the payments of that loan.Ī Rule of 78s loan employs a method of allocating the interest charge on a loan across its payment periods. ![]() See update-notifier if you want update notifications. See conf if you need to persist some data. Your mission is to connect and blast puzzle balls of the same color in a line: Combine, match and blast them to solve this online adventure and help our cute. See get-stdin if you want to accept input from stdin. See chalk if you want to colorize the terminal output. Paw your way through hundreds of match-3 levels, restoring cat sanctuaries, and a storyline with dozens of unique cats It's time for Meow Match Team up with your kitty companions as you beat match-3 levels and restore once lush and beautiful cat sanctuaries to their former glory. Meow will make unhandled rejected promises fail hard instead of the default silent fail. Disabling this can be useful if you need to handle process.on('unhandledRejection') yourself. Continued abuse of our services will cause your IP address to be blocked indefinitely.Import meow from 'meow' import foo from './lib/index.js' const cli = meow ( ` Usage $ foo Options -rainbow, -r Include a rainbow Examples $ foo unicorns -rainbow □ unicorns □ `, */ hardRejection Please fill out the CAPTCHA below and then click the button to indicate that you agree to these terms. If you wish to be unblocked, you must agree that you will take immediate steps to rectify this issue. If you do not understand what is causing this behavior, please contact us here. What Do the Cats in Meow Match Look Like What Does the Game Look. If you promise to stop (by clicking the Agree button below), we'll unblock your connection for now, but we will immediately re-block it if we detect additional bad behavior. What Kind of Match Three Game Is Meow Match. Overusing our search engine with a very large number of searches in a very short amount of time.Using a badly configured (or badly written) browser add-on for blocking content.Running a "scraper" or "downloader" program that either does not identify itself or uses fake headers to elude detection.Using a script or add-on that scans GameFAQs for box and screen images (such as an emulator front-end), while overloading our search engine.Our system is based on The Myers-Briggs Test which is one of the. There is no official GameFAQs app, and we do not support nor have any contact with the makers of these unofficial apps. Azraels matching questionnaire is specifically configured for matching you with your Meow. Continued use of these apps may cause your IP to be blocked indefinitely. This triggers our anti-spambot measures, which are designed to stop automated systems from flooding the site with traffic. Some unofficial phone apps appear to be using GameFAQs as a back-end, but they do not behave like a real web browser does.Using GameFAQs regularly with these browsers can cause temporary and even permanent IP blocks due to these additional requests. If you are using Maxthon or Brave as a browser, or have installed the Ghostery add-on, you should know that these programs send extra traffic to our servers for every page on the site that you browse.The most common causes of this issue are: ![]() His journey will lead him through several puzzles, travel pipes, and more game mechanics. Tim, always ready to help, will protect the fairies and put and end to this new menace. Your IP address has been temporarily blocked due to a large number of HTTP requests. Tim is hungry for more adventure Lord Devious broke free from the seal of the fairies and now his ominous shadow is threatening the peace of the forest. While NerdWallet and Consumer Affairs have given Liberty Mutual a four out of five-star rating, WalletHub, a social network for finance investors built around personal finance, has given the company an average rating of only three stars. New car replacement for vehicles within their first model year or under 15,000 milesĪlong with NerdWallet, over 190 users rating the insurance company on Consumer Affairs have also awarded Liberty Mutual Life Insurance four out of five stars.Accident forgiveness without increased premiums.Deductible fund-Liberty Mutual contributes $70 for every $30 contributed by the user annually.On their website, NerdWallet highlights that some of the overall benefits of opting for Liberty Mutual Life Insurance include: 2021 Latest Liberty Mutual Life Insurance ReviewsĪccording to a January 2021 NerdWallet review, Liberty Mutual Life Insurance has rated at four out of five possible stars for the previous year. A net income of $162 million dollars LMHC and $758 million dollars were made in 2020 versus their total net income of $1.037 billion in 2019. In February 2021, Liberty Mutual reported their fourth quarter and released their 2020 full-year report in review. Liberty Mutual Life Insurance in the News This position within Liberty Mutual’s Global Risk Solutions division will allow Hyatt’s strong leadership skills to oversee the US Client Services team. Secured with SHA-256 Encryption New Products or ChangesĪ big change for Liberty Mutual Life Insurance is the recent March 2021 promotion of Welsey Hyatt to the position of Chief Client Officer. ![]() These changes have caused an increase in Liberty Mutual Life Insurance clients and customers.
If you as a player try to get by using only this you will 50% of the time get blown by, mess up a shot contest, miss a block you shouldn’t have etc. The auto defense button is perhaps where I have my biggest complaint. It would help to have the more advanced tutorials for moves in the help section of the game as they give you the basics but not how to, say, do a spin jumper or a step back three. Overall it’s the same as regular NBA 2K21 in it’s uses. The dribble/shoot actually feels pretty responsive and I have little to complain about. ![]() The right joystick changes from an auto defense/contest/block when you are defending to the standard dribble/shoot stick 2K players are used to. Simple things that on a controller would never happen to experienced players and can leave a strong sense of frustration as you watch a G league level player dunk on your 99 overall my career player. The left virtual joystick has a very small range from walk to sprint that can cause the player to turnover the ball or get blown by several times a game. Unless you are using a controller, and especially for long time nba 2k players, the touch screen can feel very unresponsive. This is where my first gripe of sorts comes in. Speaking of controls the game allows you to use a virtual touch screen set up or a 3rd party controller, Xbox or PlayStation controller. ![]() However Arcade Edition gives you much greater free range over in game controls, camera etc. Players of NBA2K Mobile will probably be the most used to the controls and layout as a lot of the gameplay is very similar. You have quick matching and matching between friends, black top, and the most popular my career mode. NBA 2K21 Arcade Edition is a port of what you expect current NBA 2K21 to be. That being said I want to give my personal review of the good, the bad, and the ugly of the first 2K game to not have micro transactions in years. To try Apple Arcade, open the App Store and tap the little joystick icon at the bottom of the screen.So I’ve been playing this game non stop on my iPhone since it came out and it’s been a ride to say the least. You can also get a three-month free trial of Apple Arcade when you buy a new device, or a one-month free trial if you're signing up for the service for the first time. A basketball-based successor to The Rink, Ultimate Rivals: The Court, is slated to hit Apple Arcade later this year. Until this point, sports titles for Apple's service have consisted of more casual arcade-like games including Ballistic Baseball, Sociable Soccer 2020 and hockey game Ultimate Rivals: The Rink. The addition of NBA 2K, routinely one of the top-selling console games in the US, not only gives Apple its most high-profile title to date, it also adds to a genre that has been lacking on its platform. It has notably lacked the major titles that gamers have grown accustomed to when playing on consoles or PC. It offers over 150 games on Apple devices. The subscription service is included with its Apple One bundle or you can subscribe to just Arcade for $5 (£5, AU$8) per month. The company also says that multiplayer on this version of the game will be limited to playing others who are also on Apple devices.įirst launched in 2019, Apple Arcade is the iPhone-maker's big push into gaming. ![]() The new game will be playable on iPhone, iPad, Apple TV and Mac and can be used with Xbox or PlayStation DualShock controllers for those looking for a more console-like experience.Īs it's a special edition for Apple Arcade, 2K confirms to CNET that you won't be able to sync your M圜areer player from NBA 2K21 on console or PC and continue developing the player in this Apple-exclusive version. ![]() Unlike last year's NBA 2K20, which is a one-time purchase on the App Store for $6 (£6, AU$10), there is no extra fee to buy this game. In a press release accompanying the news, publisher 2K touts that the Apple Arcade version of NBA 2K21 will feature "an all-new graphics engine that offers the highest possible resolution of gameplay ever experienced on Apple devices."Īmong the available game modes are five-on-five quick matches using the "latest NBA roster from the 2020-2021 season," the Blacktop park mode for pick-up games, online multiplayer as well as M圜areer, NBA 2K's popular story mode where you create your own player and live out a virtual NBA experience.Īs with other Apple Arcade titles, there's no additional fee for those who already subscribe to Apple's video game service - but the only way to play on iOS devices is with Apple Arcade. The new version, called NBA 2K21 Arcade Edition, brings the hit basketball video game franchise to Apple's gaming subscription service. Apple Arcade is getting a big boost to its platform on Friday, adding a special edition of NBA 2K21 to its growing list of games. ![]() To discuss commercial applications or licensing, please email Rob Phaal.įor even more templates and perspectives on strategic technology and innovation management tools and visualisation see the website of my colleague Dr Clive Kerr.īusiness models are a common focus in management, research and consulting, with Osterwalder & Pigneur's Business Model Canvas and Gassmann & Frankenberger's Business Model Navigator useful for understanding the components and building blocks of business models. not for paid consulting). Internal application by firms within their own organisation is not considered to be commercial in nature. Templates may be used freely without alteration for non-commercial purposes (i.e. All data received will be treated in strict confidence, and anonymised for any subsequent publication. Feedback on templates and their use is welcome for research purposes, and to improve the resources provided here - please contact me if you have any queries. ![]() ![]() The templates available here are experimental in nature, and are subject to change. Forms for assessing template utility are provided, with this working paper providing a reference point. Templates can be used in various ways, and there are many design options and aspects to consider for specific applications and contexts. Process guidance on template use is not currently provided here, apart from the 'self-facilitating' templates that incorporate process prompts. The process of template design is helpful in itself, to clarify language, structure and process when designing a workshop, and template creation need not take long if the context, purpose and process are clear. Consider these templates a starting point (which may be sufficient), with the template (tool) structure along with the content (strategy) refined through iterative 'rapid prototyping' applications, as necessary. Whilst off-the-shelf 'vanilla' templates such as those provided here can be useful, specific contexts vary considerably and templates should be applied with caution and in a non-prescriptive manner until utility is demonstrated - caveat emptor. Other roadmapping workshop templates can be accessed here:ġ) Roadmapping roadmapping (R2) template, to support review, planning and strategy for roadmapping initiatives.Ģ) Business model transformation, illustrating two ways of integrating the business model canvas into roadmapping templates.ģ) Strategic technology and innovation management (STIM) toolkit, comprising four templates for general business application.Ĥ) Sunshine chart, a roadmap template configured using polar coordinates.ĥ) Strategy map and balanced scorecard template, integrating Kaplan & Norton frameworks with roadmapping.Ħ) EFQM template, to support EFQM Excellence Framework through integration with roadmapping.ħ) Porter’s value chain and five forces frameworks for analysis of competitive environment and value chain, aligned with roadmapping.Ĩ) Emerging technology roadmap templates, for mapping technology-intensive industrial emergence.ĩ) Roadmapping change template, emphasising how roadmap structure supports change management.ġ0) Generic roadmap template, for general strategic application.ġ1) Agile roadmap template, for strategic innovation planning.ġ2) Product-technology roadmap template, for strategic innovation planning.ġ3) 'Push-me- pull-you' linking grid template.ġ4) 7 Ps marketing mix roadmap templates.ġ5) Scenario development template for exploring future uncertainty.ġ7) HEI strategy roadmap template for higher education institutions.Ī working paper on workshop template design and application is available here. ![]() The maximum stack size for all trading goods, illegal or otherwise, has been increased.Illegal goods can be sold for a large markup in regulated space. Purchase illegal goods from the black market traders aboard outlaw stations. ![]() Visit a Bounty Master aboard an outlaw station to undertake a range of procedurally generated piracy missions and earn unique rewards.Outlaw systems have a unique space station, with their own assortment of NPCs.These systems can be identified on the galaxy map with a Conflict or Economy scanner. ![]()
Any commercial use or distribution without the express written consent of STATS LLC and Associated Press is strictly prohibited. (© 2015 by STATS LLC and Associated Press. 19 against Cincinnati.Ĭubs: RHP Jake Arrieta (19-6, 1.96 ERA) will make his second attempt at becoming the major league's first 20-game winner and the Cubs' first pitcher to reach the mark since 2001 after taking a no-decision in his last outing on Sept. Cravy suffered his seventh loss of the year in a relief role on Sept. Davis returned to the lineup on Monday after missing one game with a sprained right ankle.īrewers: RHP Tyler Cravy (0-7, 6.42 ERA) will make his sixth start of the season, pitching in Nelson's place. Nelson did not sustain a concussion, but a neurologist said Nelson suffered head trauma. RHP Jimmy Nelson will miss the remainder of the season after being hit in the head by a line drive. ![]() Braun said Monday he plans to undergo back surgery in the offseason. He scattered five hits while striking out six and walking one.īrewers: RF Ryan Braun (back) missed his third straight game and may miss extended time with the injury. Milwaukee's Adam Lind tied the game at 4 with a two-run homer in the fifth inning off Cubs starter Jason Hammel (9-6), who allowed three earned runs over his five innings. They have two more games in Phoenix before returning to Chicago for three games against the White Sox this weekend at Guaranteed Rate. Rizzo reached in all five of his at-bats after collecting two walks to go along with his three hits. With 12 games left, the Cubs’ magic number stands at 10. Starlin Castro, who had two hits and two RBIs for Chicago, drove in a run with a sacrifice fly before Miguel Montero singled in Rizzo, who doubled. They also hold a hefty 6.5-game lead over the Nationals for top. Soler's first career pinch-hit home run broke the game open in the seventh inning after the Cubs snapped a 4-4 tie in the fifth with a pair of runs. The Cubs' magic number in the NL Central is one, which means they clinch the flag with their next win or the Cardinals' next loss. Chicago entered Monday two games behind Pittsburgh for the first wild card berth and has now won six of seven. The Cubs inched closer to a NL playoff berth as their magic number to clinch fell to four.
![]() If you can’t run it, make sure it's executable (i.e. Download and run the firmware update software. ![]()
Thanks for latest list - haven't been sent any leaflets for ages, probably because I hardly use this now but still have lots of these points from years ago.The vouchers don't make the most original Christmas presents but at least there's still a wide choice of places to use them, and I think I can be forgiven for lack of originality in Christmas shopping this year since I'm due to give birth in about 3 weeks' time! Going to redeem my points (or most of them) and then cancel the card. (Leaflet has been put in the post so I'll find out when it gets here.) So no more 10% off at Argos or M&S, which IMO were pretty much the only things that this voucher scheme had going for it. I've just called up to ask what I can get vouchers for now (my most recent leaflet being from Oct 2008) and was told that the ONLY deal they do now is on High Street Vouchers - which I guess means the Love2Shop ones. trukdriver, that's awful, a complete rip-off.When Woolworths shops folded we discovered the vouchers were issued by Woolworths Finance and I lost the lot. It's old news but I bought a couple of hundred B&Q vouchers this way.Only through the Airmiles duo card I think.Does anyone know if they still issue Argos, Homebase and B&Q vouchers? However TrustCard discontinued John Lewis vouchers last February. Effectively this gave me 10% discount on groceries at Waitrose. Over the years I accumulated a thousand or so of these points and have gradually been using them up to buy John Lewis vouchers, very useful as I was getting Ј100 worth of vouchers for Ј90 and 100 points.Request a catalogue or questions with them ![]() ![]() 01273 799270 Ask for Trustcard Points Redemption dep't |
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