Rest Digital Advice is provided by Link Advice. Rest Advisers are staff members of Rest and provide advice as authorised representatives of Link Advice. Rest Advice is provided by Link Advice Pty Ltd ABN 36 105 811 836, AFSL 258145 (Link Advice). Before acting on the information or deciding whether to acquire or hold a product, consider its appropriateness, our Financial Services Guide, the relevant Product Disclosure Statement (PDS) and the Target Market Determination (TMD). This website contains information which may include general advice but does not take into account your individual objectives, financial situation or needs. This website is provided by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, A(Rest), as trustee of the Retail Employees Superannuation Trust ABN 62 653 671 394 (Fund), of which Rest Super, Rest Corporate and Rest Pension are part. Book an appointment with a financial adviser.Help when you need it, no matter what lifestage.If you know how much retirement income you’ll need, you and your financial professional can invest your portfolio to give you the best chance at a successful retirement. But if you’re like most people, most of your retirement income will come from portfolio withdrawals. 1 How are you going to pay for these expenses? Some of your income will probably originate from fixed sources, such as Social Security benefits, pensions and annuities. Bureau of Labor Statistics, a household run by someone 65 or older spends on average $52,141 per year (approximately $4,345 a month). Your expenses may fall into three categories: essential (must-have), discretionary (optional) and one-time (a remarkable but necessary occurrence).Īccording to the U.S. This will help you determine the retirement income you’ll need to meet your average monthly expenses as well as cover surprise expenses. When you turn age 73, you’ll have to begin withdrawing required minimum distributions from most retirement accounts.Įssential, discretionary and one-time retirement expensesįirst, understand what types of expenses you’re likely to incur and how big they’re going to be each year. For example, you may have ongoing expenses for a specific amount, but you may also have a fixed expense that lasts only a certain number of years, such as a mortgage.Īs you complete your budget planning worksheet, you must also take into consideration your changing income picture. It’s important to itemize and categorize your anticipated average monthly expenses as you plan your retirement spending. Will you spend more on travel or hobbies once you have more time to devote to them?.Do you have all of the insurance you need, or should you budget for additional premiums, such as long-term care insurance?.Have you factored in the increased out of pocket medical costs that often accompany age?.How will your health insurance premiums change after you retire?.Do you plan to move or downsize your primary residence?.How many years remain on your mortgage?.When estimating your retirement budget, consider asking yourself the following questions to help develop a more complete and accurate set of expenses: What expenses belong in a retirement budget? If you retire later, you’ll still need to have enough income to last throughout retirement, but you will have fewer years with less income coming in.If you wait until age 70, you can enjoy the maximum amount. You also will not get maximum Social Security benefits. If you retire early, say at age 63, you may need a bigger nest egg to carry you through your retirement years.It’s also important to realize that your retirement budget will change based on when you plan to retire: To gauge the accuracy of your forecasted budget, you may want to track your expenses for a few months to check whether your estimates are aligned with your actual expenses. To help avoid being caught short unexpectedly, start now by making a list of your anticipated costs. As you estimate what your spending in retirement might be, it can be easy to underestimate your expenses. To calculate your retirement budget, it’s best to first calculate your expected average costs per month. Building this budget is a step-by-step process. You may be faced with new and greater expenses, however, and having a budget becomes even more crucial to help you live effectively off of your savings. Building a budget for your spending in retirementīudgeting your spending in retirement looks and works similarly to the way it does in your working years.
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Additionally, it offers a user-friendly interface. This software’s design engine is incredibly quick and fluid. One of the top free Mac animation programs for changing poses, rendering, or animating your 3D figures in DAZ Studio.
Take a little time in your yard or wherever you're setting up your light display to find your Goldilocks zone - the spot where the trade-off between brightness and projection area is the most favorable. The further you place the projector from the surface onto which you project, the wider of an area you'll cover, but at the cost of brightness. As a rule of thumb, images like snowmen and holiday ephemera will look best when projected onto a flat surface, whereas lasers or large-area solid colors will give you a little more flexibility (but not much - your best option is still a flat surface). Deciding how you want to angle your projector depends on your desired effect. Many Christmas light projectors come with different mounting options, like a ground stake for propping it up in the yard or a flat base for placement on a patio, deck, or other flat surface. We recommend units that have an automatic shutoff in bright conditions, saving you the hassle and energy bill of forgetting to turn it off. While many units feature a timer setting for auto-shutoff, it can be easy to forget the timer and let your projector run into the bright daylight hours. Just be aware that most accompanying remotes are infrared, so they'll need to be pointed at the receiver on the unit (typically located on or near the face of the projector) in order to work. It allows you to easily adjust the lights or turn them on and off without needing to brave the elements. ✔️ Features:If you shudder at the idea of braving the cold to adjust your Christmas projector's settings, we recommend selecting a model with a remote control. Make sure the projector you pick has the right mounting equipment for your desired location. Indoor mounting will require a flat base to place atop a solid surface. For the outdoors, you'll want a projector with a stake that can be driven into the ground so your light show isn't toppled by wind or inclement weather. ✔️ Mounting options: Depending on where you plan to set up your projector, you'll need different mounting options. That said, if you plan on using your projector indoors, the IP rating matters less. Since Christmas projectors are often used outside, we recommend those with at least a 6 (dust-tight) for the first digit, and at least a 5 (protection from water jets) for the second. Generally, the higher each of the digits, the greater protection. An IP rating consists of two numbers following the IP: The first digit indicates how well the machine is protected from solids like dust and debris, and the second indicates the protection from moisture. ✔️ IP rating: IP stands for ingress protection, and it's a measure of the protection an electronic device has from outside particles and fluids entering its system. That said, the low price and wide coverage area of this projector justifies us swapping it into our rankings. Our previous pick for best snowflake projector, the Tangkula LED Snowflake Projector Light, featured a remote which this unit does not, so those wanting more hands-off control should go for the other option. While it wasn't the brightest of the projectors we looked at, it was more than sufficient at creating a lovely display in nighttime light conditions. Lab tests revealed that this projector had an easy set-up, requiring you only fix the heads to their mount (it comes with both a stake for driving into your yard and a flat base for placing atop your patio or deck) and plug in the unit to create a sizable light show. The double-headed design is supported by two ball-and-socket joints that let you customize each projector head's angle individually, giving you total control over the dancing snowflakes it generates. Nevertheless, when it comes to a massive laser show, this is the projector you'll want.Ī snowflake projector that'll work in snowy conditions? Look no further than Anerbili's double-headed projector, which features an IP65 rating, meaning it'll withstand exposure to moisture from snowfall as well as dust and other solid particulates in the outdoor air. The projector's cord was also short compared to others and it only came with a ground stake, making mounting options limited. This is a particular consideration for households with kids and pets, and if you're worried, it may be best to go with an LED option instead. While the projector's performance impressed us, it's worth noting that it uses 3R lasers, which although relatively safe, should not be stared at directly for extended periods. The construction also felt heftier and more high-quality than some of the others we looked at. The projector features a convenient auto-shutoff feature that turns off the lasers in daylight conditions, helping cut down on energy usage. In our latest round of testing, this model blew away the competitors in terms of brightness and coverage area, showering our test room in a massive display of red and green dots. There's one word to describe this simple projector from StarTastic: bright.
Anyway people are cancer in every online game - go figure. Or they afk for another 5 minutes 2 obvious moves from check-mate hahaha. They artificially prolong the game, I got even some elo back, as system determined it as stalling. I just want to have fun and if game is over, I want to get into another game. Anyway it is interesting.īTW I don't know who, or what to play against, because I dislike playing vs humans! As they artificially prolong the game! Even if they are losing badly from start like - bishop for free (and they don't even have positional advantage) they don't leave and stay in the game and make you chase them to the last piece in circles. I play very intuitively, didn't even think about moves much this game. But thing is even playing vs computer over 2000 feels too easy, easier than vs 900 humans many times! So I don't know! It is weird! Or maybe because computer actually do stuff which makes sense, so it is more intuitive. The game: far.https: //I know human elo and computer elo are not comparable! And computer tries to reduce difficulty by random blunders sometimes, so it basically lets you back into the game for free. Although I wouldn't probably beat it every game consistently, because I don't know any openers or builds! But still. I Am beating computer over 2000 after couple games: each time I have beaten it I selected one level higher. I am currently 929 vs people, because I have ADHD/chronic pain and do blunders every game But I would be probably like 1700 since first day I played chess. Regular buyers willing to forego the new bits on the 2024 Sierra will likely be able to find dealers ready to take a machete to the MSRPs of some 2023 Sierras sitting on the lot. Since certain varieties of the 2023 Sierras are still on the configurator and in dealer inventory, any business wanting to take a tax loss for 2023 should buy the older Sierra. Denali Ultimate Crew Cab Short Box 4WD Duramax 3.0L I6 $83,490 ($500).AT4X Crew Cab Short Box 4WD Duramax 3.0L I6 $81,195 (New trim).AT4 Crew Cab Short Box 4WD Duramax 3.0L I6 $68,595 ($500 less).Elevation Double Cab 2WD TurboMax $52,795 ($1,000 less).SLE Double Cab Std Box 2WD TurboMax $51,095 ($1,000 less).Sierra Pro Regular Cab Standard Box 2WD TurboMax: $39,695 ($700).The new sums after destination and their differences from 2023 are: Even though destination has risen $100, to $1,995, five of the eight trims - including the diesel AT4X - are less expensive than they were a year ago, some of them by $1,000. Two new wheel designs enter the catalog, availability depending on trim, and colors join the palette, their availability also trim-dependent: Downpour Metallic replacing Pacific Blue Metallic, and Thunderstorm Grey, both adding $495 to the price. four-cylinder gas engine is rebranded TurboMax and comes with a five-year, 100,000-mile warranty. The SLT, AT4, AT4X, Denali, and Denali Ultimate get the option of an active exhaust on four-wheel-drive trims with the 6.2-liter for $395. Re: the gas V8, this is the opposite of the hefty increases we've seen Chevrolet generally do with 6.2-powered trims. On top of that, the 6.2-liter AT4X costs $500 less than last year. The AT4X was only available with the 6.2-liter V8 in 20 the big bad off-road trim makes the 3.0-liter Duramax diesel inline-six the standard engine and takes $2,400 off the base price compared to last year's 6.2-liter. The changes for the new model year aren't substantive, just enough to give Sierra lovers enough modification to prove they have the latest. The 2024 GMC Sierra 1500 is ready to work the yard, but how much you'll need to get the pickup back to your yard has changed compared to the 2023 Sierra - most often in a good way. 2024 GMC Sierra prices go up - and also down And that's before potential discounts You can look forward to your special day being taken care of by an energetic team. is an event planning company, creating custom menus to fit each clients unique taste and budget. Alex and Kerry can assist with your engagement party, pre-wedding parties, showers, luncheons, rehearsal dinner, welcome party, wedding ceremony, cocktail hour, reception, and day-after festivities. There is no job we can’t handle, and we promise to deliver on what we promise. From customized Wedding and Event Planning, to day of Coordination or Event Design we have you covered. says, My party was memorable because of creativity and design. 1 300-7,500 /event At Glorious Events by Regine you can count us to make sure your day is Glorious. team offers day-of coordination, a la carte wedding planning, and full-service wedding planning. Top 10 Kids Party Planners near Fort Lauderdale, FL. Alex and Kerry hope to bring joy to you and your loved ones on your special day. They were planning Kerry's birthday early in 2022, got talking, and decided to found an event company - Elephancy Co. You may call on these friendly professionals to help make your wedding dreams come true.Īlex loves hosting and went to get a hospitality degree, while Kerry loves art, business, and beauty, going to business school. The recipe to plan a beautiful and timeless wedding is careful collaboration, efficient organization and meticulous attention to detail. DreamARK Events is South Florida Theme Decorating Company, offering Decorating, Entertainment, Rental and Event Planning services in Fort Lauderdale, FL. We specialize in quinces, sweet sixteens, weddings, baby showers, bridal showers. Weve hosted thousands of events in the celebrations space as well as in t. Elicit Events is a party planning and decorating service. Two creative sisters-in-law, Alex Pio Desouza and Kerry Ribeiro, started this business. Event Planner from Fort Lauderdale, FL (25 miles from Miami, FL) Although WeHostEvents is best known for virtual event hosting, we in fact began life a as an in-person event organizer in the South Florida area. is an event planning company that offers wedding services. Based out of Fort Lauderdale, FL, Elephancy Co. It would be overwhelming to find flopped in one's hands after only hanging out for a few days. Young people often tell us they want some serious sexual intimacy: this is that kind of intimacy, big time. This is a lot of very personal information for anyone to give or ask for. You might only use it for self-evaluation and your own decision-making, to get a better sense of where you stand or what you want to talk about with a partner without sharing it or having them fill it out for themselves.ģ) If you want to do it with a partner? Even though we use the term "partner" here to mean anyone with whom you'd be engaging in any kind of sexual contact or relationship, this is not first-date stuff. If you're answering about things you have no experience with, go with your gut on what you feel like you want. When you're answering, figure this is about now: not right this very second, but in your life overall at this time and over the next few months. Take your time, especially with areas or questions you haven't thought about before or haven't had experience with yet. (It makes a fine bedfellow for our Sex Readiness Checklist, too!)Ģ) First do it alone. Or, you can print it out using this PDF file, and fill it in by hand. ¿Prefieres leer en español? Tenemos "Sí, no, quizá" aquí.ġ) You can either just read through it online, using it as a mental self-evaluation tool or talking with a partner as you both scroll through it. So, we've made one specifically for Scarleteen readers including all the issues you ask us about and we've talked about together over the years. They've been used for a long time by sexuality educators, sex therapists, communities, couples and individuals, and they can be seriously useful tools. Yes, No and Maybe lists aren't something we invented. We might also sometimes find ourselves feeling inclined to only say what we think a partner wants to hear, or only responding to what they bring up rather than putting our own stuff on the table and initiating our own questions. It can feel like being asked what you want to eat at a restaurant without having a menu to even know your options. When sex is newer to us, we may not even have a sense of all there is to talk about. It might be particularly tough to start these conversations if talking about sex openly and out loud is something you've never done. Someone might ask what you do or don't like, or what may or may not be okay with you, and you may find you - or a partner, when they're asked - have a hard time knowing how to respond. Starting deep and honest communication about sex can be daunting, especially in areas which can be more loaded, tricky or where we feel vulnerable. We can't just know or guess what we or others want or need, like or dislike, are or are not okay with: we need to communicate those things and have them communicated to us. It's the best way to assure everyone is fully and freely consenting and physically and emotionally safe to help sex and sexual relationships be as satisfying, positive and awesome as they can be. Clear, truthful and open communication is a must with partnered sex. Almost a year after its PC release, it received a large update and re-release under the title Farming Simulator 2013 Titanium Edition, on October 10, 2013. A version was released for the PlayStation Vita, PlayStation 3, and Xbox 360 in 2013, known as Farming Simulator. The initial release for Farming Simulator 2013 was on October 26, 2012. Cows were also an addition to this title. Machinery from Deutz-Fahr, Pöttinger, and Horsch were added (also featured in the FS 2009 Gold edition). It was greatly expanded with the introduction of a new map. This is the third game in the series, and first to feature a multiplayer mode. It had a lot of new features such as new crop types ( corn, rapeseed/ canola, and barley), modding support and much more machinery, while having the same map as 2008, but remastered. Games PC and console Farming Simulator 2008 įarming Simulator 2008 was released on Apas the first official release of the Farming Simulator game series.įarming Simulator 2009 is the second game in the series. Farming Simulator 15 for PlayStation 4 and Xbox One also has a multiplayer mode. Current generation consoles have multiplayer ( Farming Simulator on the last generation consoles was the first console port of the game, with all features of 2013 Titanium). Farming Simulator 16 has Bluetooth functionality. The player is rewarded with money once the task is finished, plus a bonus based on how quickly the task was completed (excluding Farming Simulator 19,22).įarming Simulator 14 is the first mobile Farming Simulator to have multiplayer mode. There are dynamically generated missions that consist of the player performing various tasks within a time frame such as mowing grass, fertilizing fields, or delivering cargo. They can also raise livestock or earn an income from forestry. Players are free to explore the surrounding areas of the map, grow from their choice of several crops, and invest their money in additional fields and equipment. Their tasks depend on expanding and upgrading dated equipment and machinery, which can be achieved by harvesting and selling crops. In career mode, players take on the roles of farmers. The game was originally revised, expanded, and re-released every two years, (excluding their newest release) with better graphics, a larger array of vehicles, and more interesting tasks for the user to perform. The games have sold over 25 million copies combined, as well as had 90 million mobile downloads. Players are able to farm, breed livestock, grow crops, and sell assets created from farming. The locations are based on American and European environments. IOS, iPadOS, Android, Kindle, Microsoft Windows, Mac OS, PlayStation 3, PlayStation Vita, Xbox 360, Nintendo 3DS, PlayStation 4, Xbox One, Nintendo Switch, PlayStation 5, Xbox Series X/S, Commodore 64, Stadiaįarming Simulator is a farming simulation video game series developed by GIANTS Software. The bid set includes all the relevant information your contractor needs, including the floor plan and exterior images or elevations of each side plus roof pitches, to give you a cost-to-build estimate. House plans typically cost between $2,000 and $8,000.Īfter selecting and purchasing the floor plan for your home, the next step is to consult your builder or general contractor with the bid set in hand. Whether you choose a popular design from a company or builder that provides house plans or hire an architect to draw up a unique custom home, just keep in mind that the more detailed and personalized the blueprints, the pricier it will be. Paperwork: Plans, Permits and Cost Estimatesįirst, you should choose a floor plan. You can expect pre-construction considerations to make up about 10 percent to 25 percent of total project costs. Traditional single-family home with a long driveway Pre-Construction CostsĪ considerable amount of labor goes into obtaining the correct permits, developing a home plan, hiring a team, and preparing the lot before construction even begins. To discover the exact cost per square foot, it is recommended for you to ask your builder. New construction typically costs between $100 and $200 per square foot, but additions and customizations may quickly inflate the expense to $500 or more per square foot. This overall cost to build a house will vary due to region, home type, size and desired home features or luxuries. Per survey data from HomeAdvisor, the cost to build a new home can range from $117,971 to $450,345, with an average of $284,158. To make the decision a bit easier, let’s break down the overall cost and see how your dollars are being spent should you decide to build new. For others, it may be a worthy expense to build a brand-new home to their personal specifications. Department of Housing and Urban Development (HUD) reported a median sales price of $420,800 for new single-family homes.įor some prospective buyers, the cost difference between a new home and resale home can initially feel like a dealbreaker. When taking their first step toward homeownership, prospective buyers are faced with a big decision: Build from scratch or purchase an existing home? The answer often depends on their desired features, budget, and finances.Īccording to the National Association of Realtors, the median sales price of existing single-family homes in the United States was $388,800 in April 2023, an increase of 9.7 percent from the previous year. |
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