![]() They also boosted their US economic growth forecast as a result of the Fed’s upbeat mood Wednesday at the conclusion of its two-day policy meeting.Īll of that is good news for your wallet and your portfolio. Goldman Sachs analysts in a note to clients Wednesday said they expect the rate cutting to begin in March and continue throughout the spring. But lowering rates next year would also signal that the Fed believes it has won its hard-nosed battle against inflation, one it was so determined to win that it hiked rates at the fastest pace in modern history. The Fed holds interest rates steady for third consecutive timeĪlthough Fed Chair Jerome Powell in a press conference Wednesday cautioned we are far from clear of a hard-landing scenario, a turn to lower rates could help soften the blow higher rates have taken on the US economy - an economy that has many Americans feeling disgruntled. Eccles Federal Reserve building in Washington, D.C., US, on Wednesday, July 6, 2022. But central banks historically have been quite bad at landing that plane safely - so bad, in fact, that the “hard landing” metaphor has become a jargon term used for when restrictive lending standards crash the economy into a recession. By raising lending rates, central banks like the Fed, the Bank of England and the European Central Bank have (purposefully) been trying to slow down their respective economies to get out ahead of inflation. It also would remove some of the economic risks associated with hiking rates. That’s why the Dow shot up to a record high Wednesday and the broader S&P 500 was approaching a record set at the beginning of 2022. And business lending could become cheaper, freeing up corporate profit that makes stocks more attractive. Mortgage rates, which have been hovering around a two-decade high of near 8%, could mercifully come down. Lower rates could make borrowing cheaper. A reverse-course for rates has all kinds of implications for consumers, businesses and investors - many of them welcome. But in its economic projections Wednesday, the US Federal Reserve predicted rates would be significantly lower by this time next year than they are right now, implying three rate cuts next year.
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From month 13, you will be charged the then current monthly retail price for your subscription. The discount will applied from the date of your enrolment and will continue for 12 months. 50% off for 12 months: For new subscribers, enjoy a 50% discount off the current monthly retail price for QuickBooks Self-Employed, QuickBooks Online Simple Start, QuickBooks Online Essentials or QuickBooks Online Plus for the first 12 months of your subscription (Offer).Intuit reserves the right to request information to verify the eligibility of a purchaser of the Offer. QuickBooks Payroll and QuickBooks Time prices are not eligible for any discount and will be invoiced separately according to your usage on a monthly basis during your subscription. From month 4, you will be charged the then current monthly retail price for your subscription. The discount will applied from the date of your enrolment and will continue for 3 months. 50% off for 3 months: For new subscribers, enjoy a 50% discount off the current monthly retail price for QuickBooks Self-Employed, QuickBooks Online Simple Start, QuickBooks Online Essentials or QuickBooks Online Plus for the first 3 months of your subscription (Offer). ![]() ProAdvisor Program : Please find the terms of our ProAdvisor program here.Pricing : All prices are in AUD and include GST.See our Terms of Service for further information. QuickBooks reserves the right to change pricing, features, support and service at any time. "For many low-priced applications, it's not a big deal to ask a customer to just pay again to get into the App Store ecosystem. "The only people losing money in this deal would be us, the software vendors," Case said, "but we gain happy customers." Advertisementĭaniel Jalkut, founder of Red Sweater Software, agreed that a unification policy in the Mac App Store would be nice to have. "Many of our customers have told us they'd be willing to pay to transfer their apps, similar to when iTunes Plus let them upgrade their music-they just don't want to have to pay full list price again, especially for a $200 app like OmniGraffle Pro."Ĭase argued that, if Apple introduced a way to offer flexible pricing or custom discount codes, Apple could still take its full 30 percent cut from the original price and the discount would merely come out of the developer's cut. "That hit home more than ever with the launch of the Mac App Store this year, since many of our customers wanted to be able to 'upgrade' to the Mac App Store versions of our apps," The Omni Group CEO Ken Case told Ars. Whether it's because customers are upgrading from previous versions or because they are buying bulk licenses, developers certainly feel the limits of the Mac App Store. Just in case anyone at the Apple mothership forgot, the developers we spoke to are still wishing that the company would let them offer variable pricing. Flexible pricing, upgrades, and discounts When we spoke with a number of iOS and Mac developers about their wish list for 2012, they didn't hesitate to let us know about changes they would like to see. While the iOS and Mac App Stores exploded in popularity in 2011, there's still plenty of room for improvement on the developer side. ![]() And if you're a Mac or iOS developer-well, as always, you're wishing for bigger and better things out of Apple and its community. If you're a journalist, you're cowering in fear of the upcoming CES trade show. ![]() Welcome to 2012! If you're a consumer, you're likely getting ready for another year full of new products, drama, and intrigue from the tech world. Photograph by Sebastien Wiertz reader comments 118 You can sort and filter operations to make statistics on your incomes and expenses.Each account can have its own currency and you can organize operations by type.FEATURES: Icompta 6 0 14 – Manage Personal Finances Login Vengeance sound dirty electro vol 3 download free. ICompta is designed to be as easy to use as possible while maintaining an array of features to help you track your money down and start saving! DecemiCompta is a simple and powerful personal finance management application. ![]() iCompta 6.0.14 – Manage personal finances.As AceMoney, AceMoney Lite helps people organize and manage. It has all the features of its big brother except multiple accounts management. AceMoney Lite is a freeware personal finance manager. 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![]() ![]() Its power as a flexible, powerful problem-solving tool that will help you think critically and possibly even earn more money is a great reason to take a deep dive into Excel training. There’s a lot more to Excel than most people realize. ![]() But, did you know about its advanced capabilities that include Pivot Tables, graphing tools, macro programming, and conditional formatting? Its wide range of capabilities and the fact that it is available across numerous platforms and devices have contributed to its popularity. You have likely used the spreadsheet leader in school or the workplace to record and analyze basic numerical and statistical data. It is estimated that Excel is used by 750 million people worldwide, and Microsoft’s CEO has even hailed it as their most important consumer product. ![]() Microsoft Excel is the most popular spreadsheet program in use today. Each course concludes with a final project to help cement the skills students learn in each course. The third and final course, Advanced Excel for Business, walks students through some common skills used primarily by more experienced Excel users, including cell management, nested IF statements, What If analysis, advanced analytical tools, INDEX-MATCH, and macros to help automate repetitive tasks. The second course, Intermediate Excel for Business, introduces students to more advanced topics, including advanced paste functions, working with text, VLOOKUP, PivotTables, statistical functions, and some advanced charts. The first course, Excel for Business Fundamentals, covers the basics, including writing formulas, using absolute references, formatting, common charts and designs, as well as general workbook best practices. This 3-day Microsoft Excel Bootcamp consists of three courses and helps students with little to no prior Excel experience go from novice to pro in a couple of days.
Limited Playback Options: Unlike traditional downloads that can be played using various software, YouTube Premium downloads can only be viewed through the YouTube app’s interface.Temporary Downloads: Downloaded videos are not saved on your computer permanently they function more like temporary downloads available through the YouTube app interface.Video Quality Limitation: Video downloads are restricted to a maximum quality of 1080p or lower no 4K or 8K.It may not be an affordable option for many. Ongoing Subscription Cost: You need to continue paying a monthly subscription fee of $11.99, which adds up to $120 a year.You can use these features to download your favorite YouTube videos to your smartphone or PC. YouTube Premium is a paid subscription that offers additional features like an ad-free YouTube experience, background playback, and offline downloads. YouTube Premium: an official method with a catch But if you really need to download a video just for yourself (and not to share), YouTube offers an official way to access YouTube videos offline: YouTube Premium. ![]() On the contrary, you may have to worry about doing it for commercial needs.Ībsolutely, taking videos from YouTube is a big no-no. However, you do not have to worry about this warning if you download YouTube videos for personal use. In strict legal terms, you must not download YouTube videos. You can download videos from the YouTube app to your mobile device only. If you haven’t uploaded the video yourself, you can’t save it to a computer. You can download videos that you’ve already uploaded. Here’s what Google’s terms of service for YouTube says about this matter. Important: is it legal to download YouTube videos? There could be more reasons, but these make the mark. So, keeping a timely backup of your videos is a good idea. Quality is essential for you this time, and you need the maximum you can get. You need to use some YouTube videos for a project of yours. You may be an artist or a content creator. ![]() It may be a good option for those lengthy flight journeys. That way, you will be able to watch it whenever you want. So, when you come across a good YouTube video, you may want to keep it offline. ![]() ![]() Imagine you don’t want to spend all your time on the Internet. By saving your favorite YouTube videos for later, you can watch YouTube videos start-to-finish anywhere without any pesky obstacles like WiFi or restricted data plans. But when the internet connection drops, so does the fun. It definitely feels nice when you watch full-HD and 4K videos. RELATED: The Best Video Editing Software for Mac The case for YouTube offline But there are still some reasons you should download YouTube videos. Sure, we live in a world almost always connected to the internet. Probably the only problem? YouTube still does not allow downloading videos for offline access - until you are ready to pay premium charges. It features a broad collection of video content, including but not limited to funny videos, video blogs, documentaries, movies, etc. Over the past decade, YouTube has become the go-to entertainment destination for most people. Editor’s Note: This guide is updated frequently, as the apps involved change regularly. Submitters that fail to do so may have their posts removed.Īre you asking about the value or condition of a bottle you have? Whether to drink or hold? Decanting time? Please post in the questions Megathread. If you are posting a picture of a bottle of wine, PLEASE include ORIGINAL tasting notes or other pertinent information in the comments. From a top vintage, one of our best Willamette Pinot Noir values 2021 Ashlyn Pinot Noir Willamette Valley. Do not attempt to do so in r/wine.įlair: 'Wine Pro' if you're in the industry, 'Wino' if you're not. Standard FedEx or UPS shipping charges apply. ![]() Trading and selling wine or other alcohol here is against Reddit's TOS and could result in our sub getting banned. Opus One 6-bottle Lot, Wood Case I9098656, Cabernet Sauvignon Blend, Napa Valley, California. Note: Nakedwine vouchers are considered spam.Red - Bold and Structured Critic tasting note: Dark ruby. The WINE FAQ is a great resource for general info. If you are planning to drink Opus One at a restaurant, you can expect to pay around 350 per bottle. 2011 Opus One Napa Valley, USA Avg Price (ex-tax) 471 / 750ml. ![]() New to the wonderful world of wine? Check out the R/Wine Guide for Wine Newbies! A place to share all the latest happenings in the world of wine. ![]() ![]() The last lore gives Torfin plus five percent attack power and defense for each ancestral equipment.Led by Torfin, an ancient leader who returned to help his progeny, the Clan of the Ox is known for its tremendous might and unrelenting devotion to its ancestors. Once you get Feeling Safe, summon Torfin for the happiness bonus. Then it’s the right time to upgrade your Weaponsmith and Military Training. After that, it’s either Shipbuilding or Coinage if you have only one beach. Mining Efficiency should come in the first winter, but if you got your lore Stone late or didn’t place down your Longship Dock early enough, it will be in the spring. City Builder allows players to improve zone 50% cheaper, and specialized units get a 10% production bonus. Your must-pick first lore is the Sharp Axes since playing Ox consumes a lot of wood, and then go for Colonization. The rest of your stone goes towards your Training Camps to produce more happiness and stronger warriors. If you only have one or two food tiles for your Food Building, you’ll have to upgrade one. If you have three gold buildings, you only need to upgrade one Longship Dock, but if you only have two, upgrade both. Stone Upgrade Orderįor Stone Upgrade, the Town Hall comes first, and Longship Dock. Summon Torfin for 15 iron, and the rest is for upgrading sailors and warriors. Iron upgrade order is pretty simple: You mine 15 iron and get another 10 from Jord’s Blessing. Iron Upgrade Order Source: Freeze My Drip Gaming By this time, you will have 12-14 warriors on your side that can beat 20 warriors of other clans. Lastly, build training camps in each tile, and most of your stone will go towards upgrading those. These two structures can be built sooner, depending on your resources. Once you reach population 14, build a brewery, then make a Forge. It would be best if you also had a Longship Dock down before winter for early lore and minimal gold gain until 802. If you have three or more, build another two Longship Docks. If you have two beaches, build another Long Ship Dock and upgrade both of them. If you need a clear, you can rush building the Training Camp, but if you have a clear, wait until you need to upgrade your Warriors. ![]() Generally, you will need 3-4 Wood Cutters since Ox uses a ton of wood. As mentioned before, the Ox clan starts slowly but snowballs the game from mid to late. This build order will help you through the early game and get stronger later. The Ox Clan is one of the strongest military clans in Northgard, so your goal is to build the largest and strongest Warband of warriors to annihilate your enemies. Ox is a powerful clan that starts off slow and controls the mid-late game. At 500 Fame, Torfin will gain a new ability called: Ram that lets him target enemy structures, and he will destroy them immediately, leaving “fear” debuff. This is a good source of additional resources for your clan. Upon reaching 200 fame, you gain Military Pressure that allows non-villager unit productions to have a bonus depending on the military units you control. While Torfin is not yet summoned, you gain two Lore, so you want to delay Torfin as much as possible. Specialized civilian units have a 40% production bonus effect, and your military units have a 15% attack power and defense bonus. Torfin is your most powerful unit and can find and equip Ancestral Equipment scattered throughout the map that gives various effects. Your units are stronger, bigger, and eat much more than the other clans. The Ox in Northgard has one of the most warbands in the game. This article covers everything that you need to know about the Ox clan. One of these Viking clans is the Ox, which Torfin leads. Factions offer various bonuses and features that players need to take advantage of to beat the opposing clan. This game is similar to Civilization V but introduces exciting mechanics that make the game enjoyable. Northgard is a build-and-destroy game involving the war of different factions in a newly discovered continent.
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