We will send you a notification email when your order has been dispatched with an expected delivery date depending on which service you have selected.ĭuring extremely busy periods dispatch times may increase by up to one day. "In Stock" means the product is carried in stock at TBKS or at works. Please bear in mind our stated lead times when placing your order. This excludes Weekends and Public Holidays. Any orders placed after that time will be processed on the next available working day. Our aim is to dispatch all orders placed before 2pm within 2 working days. Please note that customs policies vary widely from country to country and we recommend you contact your local customs office for further information. You must meet any additional charges for customs clearance. You, the Customer, may have to pay import duties and taxes, which are levied once a shipment reaches your country. We will attempt to find the most economical method to deliver the goods in a safe and secure manner. We will obtain a quote and be in touch to discuss the delivery price and take payment.Īll international deliveries will be charged at cost. How To Order : To obtain a quote for international delivery, place your order as usual and click 'Request a quote' at checkout. Where we can reduce the cost we will refund the difference to you. Where we can reduce the cost we will refund the difference to you.įor European Union: Depending upon the weight and size of your parcel we will choose the most cost effective method of shipping. For example, a 2018 winning design that has its first sale February 5, 2020, would run 15 years from Febru- until February 4, 2035.Mainland UK Delivery Rates Delivery Optionįor Scottish Highlands & Islands, including Northern Ireland and Channel Islands: Depending upon the weight and size of your parcel we will choose the most cost effective method of shipping. It is not uncommon for a winning design from 2018, for example, to not be ready to sell until 2019 or even 2020. This is important because it often takes a year or more to bring the design through final design and manufacturing to be ready to sell. They run for 15 years from the date of first sale. Royalties are paid at the rate of 5% of what we sell the part for. They are paid by March 31 for the prior year. After 15 years we can continue to sell the part, and you can also arrange to have anyone else do the same if you choose. But you license the design exclusively to us to make and distribute for 15 years. Will I still own the rights to my design? All videos must be accompanied by a PDF presentation and a clear write up of the design. Yes, there is a place to upload a video demonstration or explanation within the submission form. Yes, however we allow no more than five entries per person, per year. Note local electrical standards may differ from your native country if applicable in your design. Yes, we accept entries from all over the world. Everyone is allowed and encouraged to submit ideas. age, profession, student or professional credentials, etc)? Please note we are only accepting five entries per person, per year.Īre there any restrictions for entry (i.e. Now accepting entries for the 2023 contest. Virgin Islands or 31 from everywhere else. Questions can be emailed to:, or call 80, from the USA, Canada, Puerto Rico and U.S. Winners are awarded $3,000, an engraved achievement trophy, and royalties based on sales. Judges will meet and decide on the winner(s) who will be notified no later than December 31st of the competition year. Click here for our address.ĭeadline is always the Tuesday after Labor Day. Models and materials can be sent via FedEx or registered mail with Attn: Design Competition on your label or air bill. A drawing is even better, a model is best. Be sure to include a clear write-up about your idea. Ready to submit your design? Click below to complete the entry form and fill out all required fields. **Please note - We have changed the entry process a bit this year, read below to ensure your entry is received. You’d be surprised how many first-place winners were surprised when they got the congratulatory call! Have you had an idea floating around in your head? We encourage you to send it in! No idea is too dull, too unusual, or too prosaic. Now in its 38th year, our Annual Design Competition seeks the best innovative ideas in furniture parts, components, accessories, and hardware.
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If you lead a trick, try to play a card that is likely to be beaten. This is a good idea if adding 26 points to everyone else's scores would put one or more players over the score limit, ending the game and causing the shooter to lose. In some variations, if a player shoots the moon, he has the option to subtract 26 points from his score rather than adding 26 points to the other players'.On the first trick of each hand, no point card may be played.The "hole" cards leftover after dealing the deck out to a number of players other than 4 are given (face down) to whoever takes the first heart.This player must lead with the Two of Clubs as her first play of the game. The player who is dealt the Two of Clubs (or is passed it) starts each hand, rather than the player to the left of the dealer.Usually, in a 4-person game, players pass to the player to the left at the start of the first hand, then to the right on the second hand, then across on the third, then refrain from passing on the fourth, then repeat this cycle. After being dealt cards, each player passes three cards of his choosing to another player.Listed below are some of the most common rule variations. X Research source You may or may not want to incorporate these into your game. Though these rules are accurate and perfectly acceptable for play, in reality, many variations on these standard rules exist. The rules outlined above constitute the most "basic" version of Hearts. If he or she can do it, he or she will have scored a major victory, but if one of his/her opponents gets just one of the point cards, he or she will be left with a bad score for the hand.īe aware of common rule variations. So, if a player is losing badly and has collected every point card in the hand so far, he or she may risk an even-worse score by trying to collect every Heart and the Queen of Spades. If, in a given hand, a player manages to collect ALL the points from that hand (this is called "Shooting the Moon" or "Running"), s/he receives a score of 0 and all other players receive 26 points. There is one important exception to the goal of avoiding points.Since it's difficult to tell whether another player will play a Heart or the Queen of Spades after you, usually, you want to avoid taking tricks altogether, even if no point cards have been played yet. All other cards are worth no points, so you may collect these without fear. The cards that are worth points are the Hearts and the Queen of Spades. In Hearts, like in golf, all players want to gain the lowest amount of points possible - whoever has the fewest points at the end wins. In most cases, since we usually don't want to win hands, we'll probably play the Five.Īvoid Hearts and the Queen of Spades. The Ace will win the hand for us because it's the highest card of the same suit as the lead card, while the Five won't beat the Queen. So, for example, if the person who led the trick played a Queen of Diamonds and we have an Ace of Diamonds and a Five of Diamonds in our hand, we have to play one of these Diamonds.For example, the Ace of Clubs is the most powerful Club, followed by the King of Clubs, the Queen, and so on. In each suit, the cards are ranked from the Ace (the highest value) on down, with 2 being the lowest value.As we'll see below, usually, you don't want to win tricks. Whoever wins the trick leads the next trick - play proceeds in this way until all players have no more cards in their hands. After all players have played a card, the highest-ranking card that matches the suit of the card that led the trick "wins" and the person who played that card takes all the cards in the trick and keeps them face down in a pile in front of him or herself until the end of the hand. Once you're sure everyone has the same number of cards, remove the leftovers from the game without looking at them and shuffle them back into the deck before the next hand.Īvoid taking tricks by trying not to play the highest-ranking card during the trick. Note that, if you're playing with a number of people other than 4, you may have leftover cards at the end of dealing.The deal proceeds to the original dealer's left at the start of each hand. The first dealer is either pre-determined or selected via some other method - for example, having players draw cards at random, the lowest being the first to deal.Players are all dealt the same number of cards - usually by having one player deal in a circle until no cards remain. X Research source Other than your cards, all you'll need is some scratch paper (or something else to write on) and a pen to record your score. Hearts uses a normal 52 card deck (minus Jokers). Hearts is a versatile game - it can be played by 3-7 players, though 4 is the standard number. Grab a standard deck, a few friends, and some scratch paper. "At the time, I didn't appreciate enough the pressure players felt playing with me," she said. Navratilova remembered the Open that year, as well. I thought if we didn't win, I'd be washed up at 26." When we went to play the US Open, I had to vindicate myself because Wimbledon had been such a disaster. "We lost in the quarters, and it was a big shock. "She and Pam had been established partners, and I knew if we lost, it would be my fault," Fernandez said. Seven years and one Grand Slam title later, Fernandez remembers partnering with Navratilova at Wimbledon in 1990 and feeling overwhelmed. "They saw talent in me and gave me a scholarship, and it was the first time I ever practiced in an organized manner."įernandez repaid Clemson by reaching the NCAA singles final, where she lost to a player then ranked 27th in the world. I was recruited to go to college with a really marginal junior career," she said. She told herself that "a lot of things had to fall into place. "There wasn't a female athlete I knew about who was Hispanic in any sport." I always talk about that, that I really didn't have role models growing up," she said. What she did not have in tennis, however, was anyone to emulate. "Apparently I had very good hand-eye coordination, and at 3, I was already rallying on court with a big racket," Fernandez said. But she also possessed a God-given talent recognized at a very early age. I went through that and many others."įernandez, a controversial figure in her homeland following her decision to represent the United States in the Olympics, reflects on a childhood in which her mother and father, a well-known physician in Puerto Rico, were able to provide her with lessons at their country club, and later, on a court built next to their home. "When you have that much talent, you're always fighting that in a way. I always thought she could have done better because she was so talented, but who's to say? "She was very creative on court, had all the shots. "Gigi was extremely talented, very gifted and fun to watch," said Navratilova, who partnered with Fernandez for the 1990 US Open title. "I was on this little island, and they were off in the world."įernandez, 49, voted the 10th-most-influential Hispanic female athlete in history by our blue-ribbon panel of voters, would go on to become a highly ranked singles player and one of the most successful doubles players in tennis history, winning 17 Grand Slam titles with four different partners and two Olympic gold medals with another in her 14-year Hall of Fame career. "We didn't have tennis coverage so it was probably the first time I ever saw tennis on TV, and it was so foreign to me that I could play with them someday," Fernandez said. "It was the first time I became aware of this thing called professional tennis," Fernandez said.įive years later, Fernandez became the first female athlete from her country to turn professional in any sport. Gigi Fernandez was 14 when she watched the 1978 Wimbledon women's singles final between Martina Navratilova and Chris Evert from her home in San Juan, Puerto Rico. You have reached a degraded version of because you're using an unsupported version of Internet Explorer.įor a complete experience, please upgrade or use a supported browser This payment to shareholders for the repurchases impacts the cash flow statement. When a company repays to reacquire treasury stock, it must happen through cash. However, the repurchase of stock also impacts the cash flow statement. The above accounting treatment for treasury stock only discussed the impact on the balance sheet and income statement. What is the relationship between Treasury Stock and the Cash Flow Statement? Essentially, it involves reversing the journal entries for these shares. In this case, companies use the constructive retirement method for accounting. Companies may also retire these shares, meaning they are no longer available for issuing. These amounts become a part of the income statement. The above method for accounting for treasury stock also causes a profit or loss when reissuing the shares. This accounting treatment for treasury stock applies if the company intends to keep it for a future issue. However, accounting standards require companies to present this stock separately on the balance sheet. It does not increase equity, unlike other components that go under that heading. Essentially, it means that it appears in the equity section of the balance sheet but has a negative effect. Treasury stock is a contra-equity account. " Explainer: The Fed Has a Repo Problem.What is the accounting for Treasury Stock? " Goldman Sachs Took Biggest Loan from Undisclosed Fed Program." " Fed Said to Press BNY Mellon to Speed Repo Market Change."īloomberg. " The Fed and Lehman Brothers."īloomberg. " Testimony Concerning the Lehman Brothers Examiner's Report." International Capital Market Association. " What Are the Near and Far Legs in a Repurchase Agreement?"įederal Reserve Bank of New York. " Tri-Party/GCF Repo."įederal Reserve Bank of New York. " 12 CFR §3.132: Counterparty Credit Risk of Repo-Style Transactions, Eligible Margin Loans, and OTC Derivative Contracts."įederal Reserve Bank of New York. This type of agreement is even less common because there is a risk the seller may become insolvent and the borrower may not have access to the collateral.įederal Reserve Bank of New York.
Usually commercial software or games are produced for sale or to serve a commercial purpose. Even though, most trial software products are only time-limited some also have feature limitations. After that trial period (usually 15 to 90 days) the user can decide whether to buy the software or not. Trial software allows the user to evaluate the software for a limited amount of time. Demos are usually not time-limited (like Trial software) but the functionality is limited. In some cases, all the functionality is disabled until the license is purchased. Demoĭemo programs have a limited functionality for free, but charge for an advanced set of features or for the removal of advertisements from the program's interfaces. In some cases, ads may be show to the users. Basically, a product is offered Free to Play (Freemium) and the user can decide if he wants to pay the money (Premium) for additional features, services, virtual or physical goods that expand the functionality of the game. Install ePSXe A Go to B Click 'Downloads' C Click 'ePSXe v2.0.5 Windows' D Unzip the. ePSXe executable (MacOSX 64bits) (ALPHA) ePSXe v2.0.5 MacOSX 圆4 (Gtk3) 1662 KB. Now you can open and run ePSXe on Windows PC. Follow the instructions in the pop-up window to install ePSXe on Windows PC. exe installation file in the Downloads folder and double click it. This license is commonly used for video games and it allows users to download and play the game for free. ePSXe executable (Linux 64bits) ePSXe v2.0.5 MacOSX 圆4 (No UI) 1393 KB. Click on the Download button to start downloading ePSXe for Windows. There are many different open source licenses but they all must comply with the Open Source Definition - in brief: the software can be freely used, modified and shared. Programs released under this license can be used at no cost for both personal and commercial purposes. Open Source software is software with source code that anyone can inspect, modify or enhance. Freeware products can be used free of charge for both personal and professional (commercial use).
Typically, premium church graphics platforms have ready-made creations for you to choose from. There’s also guidance to walk you through how to edit them. Both Photoshop and After Effects files are included. You’re free to edit the graphics and videos. For full access to everything, it’s $29/month or $299/year. You can also buy a la carte for $99 per series. The great thing is there are some free options to choose from. Everything is offered as series or sermon packs. If you’ve been looking for ways to create more engaging services for your members, this is a great place to start. The graphics here are designed specifically for sermons. Pixel Preacher is a little different than most other premium church graphics platforms on this list. The $59/month plan gives you access to everything, including print ready graphics. Plans start at $19/month, but limit you to one media type, such as title graphics, worship backgrounds or mini movies. While there is a 30-day free trial, there aren’t any free options available after the trial. Of course, if you have a little graphic design knowledge, you’re free to make more edits on your own. Edit Photoshop and After Effects layers.All you have to do is request a few changes and receive the final result from the Igniter Media team. The great part about this you won’t need to spend much time at all customizing anything for your church. Currently, the platform offers over 250,000 options with new things being added weekly. Igniter Media is all about ready-made worship media that doesn’t all look the same. Just remember, this is just a small sampling of what’s available. Try out some of the free options first to see what you think. Considering just how much is included, it could very well be worth it as it turns out to be just over $29/month. If you want everything Church Motion Graphics has to offer, it’s $349/year. New graphics are being added regularly, so you won’t run out of things to use. Take advantage of highly engaging worship backgrounds, set up stunning slide templates and create eye-catching social media graphics. As the name implies, many of the graphics are animated. One of the most popular premium church graphics platforms designed specifically for churches is Church Motion Graphics. Each premium plan also donates 10% of fees to Hope for Children. For commercial use, such as if you’re marketing your church or asking for online donations, it’s $19/month. For personal use, which is defined as general purpose social media and blogging, it’s only $3/month. Then, your church might want to consider upgrading for far more options. Take the free version for a test run to see how you like it. You can also edit anything you find here using graphic design tools, such as Canva. The variety is stunning and works well for sermons, ministry projects, marketing, social media and more. While Rawpixel isn’t made just for churches, you’ll find a wide variety of royalty-free images, PSD mockups, fully-licensed photos, vectors and templates. However, all the freebies are available for personal and commercial use, which is good. Also, the selection doesn’t include the premium options. While some resources are free, you’re only allowed to download 10 per day. Rawpixel offers up a collection of premium church graphics for both private and commercial use. There are other free platforms made to help you with this as well. If you want premium options, but your church’s budget won’t support it, look no further.Īlso remember that you can upload free-use images from other sources and edit them to add your own text. Not only do you get design tools for free, but an constantly updated library of photos to use in your church, on your website and on social media. This makes it one of the best overall platforms for churches. However, Canva Pro is completely free to non-profits. The free version is actually rather impressive, but if you’re searching for premium church graphics, Canva has you covered there too. On top of easy to use online graphic design and editing tools, you also get access to a library of photos to use. From sprucing up your church’s website to creating more engaging sermon visuals, there’s very little you can’t accomplish. Further Reading On Premium Church GraphicsĬanva is a popular graphic design platform for nearly any project. It is therefore advisable that you still have ultrasound scans at 11-13 weeks and at 20-22 weeks to examine the fetal anatomy and at 30-32 weeks to examine the fetal growth.
We’d been trained to keep our weapons ‘on point.’ You always want your weapon to be sighted in. We ended up sighting in our weapons on these dead bodies. “We would just leave the dead Iraqis in the streets and they piled up,” Goodman said. They carried TVs or food and sat outside the city and waited for the firefight to be over so they could go home.”īut, Goodman said, “some of them didn’t leave,” leading to many innocent civilian casualties. Navy petty officer who served in Fallujah and doesn’t know Nazario. “Fallujah was declared a ‘free-fire zone’ in November 2004 and we told the civilian population that they had to leave because the entire city was going to be deemed hostile territory,” explains Zollie Goodman, a former U.S. Independent human rights groups estimate it left 4,000 Iraqi civilians dead. That attack, code-named Operation Phantom Fury, was one of the fiercest of the entire U.S. attack on Fallujah, during which Nazario allegedly killed the detainees. The problem is that Nazario’s prosecution hardly represents justice.Ĭonsider for a moment the context of the November 2004 U.S. If convicted of all charges, Nazario could face more than 10 years in prison, according to the Associated Press. His trial, which began in Southern California this week, marks a new chapter in American jurisprudence – with the long arm of the law reaching past the jurisdiction of a military court martial. Standing accused of killing unarmed four detainees in Fallujah in 2004, Nazario is the first Iraq War veteran to be tried for war crimes in a civilian court. As a journalist who has reported extensively on the death and destruction that is U.S.- occupied Iraq, perhaps I should be happy about the prosecution of former Marine Corps Sergeant Jose Luis Nazario Jr. Up till now, after some hassling, the manager has come over, credit the fraudulent charge and run the charge properly.īut remember when you use cash, you are paying 8 or 9% + other fees above the interbank rate. I refuse to fall into their trap.dcc without giving you the choice is fraud as the clerk must indicate on the terminal that you wish to accept dcc. When the bill comes, contest it with the bank saying you were not given the choice. If all this fails simply write on the charge slip DCC rejected, circle the amount in local currency and sign the slip. If they still say no, you demand to see the manager. You tell them to void the transaction and re do it properly. Or it's done automatically by the terminal and we can't control it. They are trained to lie with such statements as of course you're been billed in local currency we are just showing you the US dollar amount as an approximation. You tell them in no uncertain terms that they have just violated the rules of the credit card company by not offering you the choice of paying in local currency. This is discussed on other threads about the near criminal dcc activity. Ask your bank how much they rip you off to use your ATM in a foreign ATM, it should be $0 but some banks charge as much as $5 with many about $2.get a bank which charges the proper fee for accessing your money which is $0. The British banks, for the msot part, won't charge you. Make sure you are not using a bank which charges for withdrawing from an ATM. Small amounts of cash to supplement as needed from ATM's. credit cards everywhere they are taken and they are taken most everywhere.Ģ. Why wouldn't it be safe to use credit cards on British Rail? Don't understand that question.ġ. You can read other threads as to what to do if they try to pull this near criminal activity on you. Pubs don't take credit cards for drinks at the bar but many do for food, some fast food chains don't take credit cards but that's changing (as it is in the US).most internet cafes don't take credit cards, convenience stores usually don't take credit cards to buy odds and ends but groceries do.Īlthough it's not a big problem in London yet, make sure that on the credit card slip they ask you to sign you do not see an equivalent amount in US dollars they are trying to rip you off with a scam called dynamic currency conversion or dcc. BTW most museums in London are free now so you don't need credit cards for admission. Use credit cards everywhere they are taken and they are taken almost everywhere. Upon arrival at Heathrow pull cash from an ATM. The only way to travel in the 21st century is:ġ. Somebody said not to use credit cards as the banks charge largest fee is about 3% above interbank rate.guess what, the best you will ever get for exchanging cash is 8 or 9% above interbank and on top of that many exchanges charge fees on top of that. You’ll need to bring a form of identification, such as a passport.The misinformation that abounds on these boards is amazing. Visit the post office: In the U.K., most post office branches have a counter where you can exchange funds.Most banking apps have a locator you can use to find your nearest option. Use your bank’s ATM abroad for withdrawals where possible: If you need more money while you’re away, try to use an in-network ATM to reduce fees.While CXI doesn’t charge a specific exchange fee, you will need to pay up to $30 USD for overnight shipping. Order currency online: If your home bank doesn’t allow for online orders, you can use a third-party like Currency Exchange International (CXI) to have currency shipped to your door.However, a shipping fee of $7.50 USD applies to orders worth less than $1,000 USD. For example, Bank of America does not charge its account holders an exchange fee. Since you have an existing relationship, it’ll offer a competitive exchange rate with the fewest fees. Exchange at a bank or credit union before your trip: Exchanging currency at your local bank or credit union before your trip is likely the most affordable way to get the money you need.Related: USD To GBP Forecast How to Buy Pounds (GBP) Individual merchants may also charge additional fees if you ask them to convert a price into your home currency at checkout. Keep in mind that these calculators don’t account for some of the fees that come along with exchanging funds.įor example, most credit card processing companies and ATM networks will charge a 1% conversion fee on all foreign transactions. Since exchange rates change often, using a currency conversion calculator is a great way to ensure you’re getting an accurate estimate. dollars to pounds is fairly straightforward. For donation, choose local charities, shelters, or thrift stores that can benefit from your gently used items. Be responsible and environmentally friendly when disposing of your clothing. Separate unwanted items into piles for donation, selling, or recycling. You can also use the “one-year rule” – if you haven’t worn it in the past year, it’s time to part with it. If the answer is no, it’s time to let it go. Consider the item’s condition, how often you wear it, and whether it fits well. Assess Each ItemĪs Mari Kondo suggests, hold each item and ask yourself if it brings joy or if it’s still functional. It’s also a great way to discover forgotten items you may want to incorporate back into your wardrobe. This will help you better assess the volume of items you have, identify duplicates, and make it easier to declutter. Within each category, further sort items by subcategories like casual, formal, and seasonal wear. Organize your clothes into categories, such as tops, bottoms, dresses, outerwear, shoes, and accessories. Starting with a clean and organized space will make it easier to maintain order in the future. It’s also an opportunity to clean your closet by dusting shelves, wiping down surfaces, and vacuuming or sweeping the floor. This will give you a clean slate and a clear view of the space you’re working with. Decluttering Your Closet Empty Your Closetīegin by removing everything from your closet, including clothes, shoes, and accessories. To document your progress, take before-and-after photos, or create a digital inventory of your wardrobe. To jot down notes about items you need to replace or gaps in your wardrobe that you’d like to fill. To try on items and make informed decisions about what to keep, donate, or discard. Label your storage containers to make it easier to find items and keep your closet organized. Storage containersĬlear plastic bins, drawer dividers, and other organizers to help you store and categorize your items neatly. Consider labeling them for different organizations, such as charities, consignment shops, or clothing swaps. Separate boxes for items that are in good condition but no longer needed. Large, sturdy bags for throwing away items that are damaged, stained, or too worn. Gather the necessary supplies for a successful decluttering process, including Trash bags Giving yourself a specific end date can help you stay focused and motivated. Remove or reschedule other commitments to ensure you have enough time to focus on decluttering. If you can’t allocate a full day, break the process down into smaller tasks you can tackle over several days or weeks. To schedule enough time for the decluttering process, consider the following: Be realistic about your timeĭetermine how long it might take based on the size of your closet and the number of items you have. Apart from physically sorting through your clothes, there’s an effort in choosing which pieces will be kept and removed. Accept that it will take time and effortīeat in mind that when you declutter your closet, the process will take time and effort. Imagine a clean, organized space that brings you joy and makes getting dressed a breeze. Recognize and appreciate the items you’ve enjoyed using and the memories associated with them, even if it’s time to let them go. To prepare yourself mentally for the task ahead, consider the following: Remind yourself of the benefitsĭecluttering will create a more organized and efficient wardrobe, making it easier to find items and put outfits together. Preparing for the Decluttering Process Get in the Right Mindset Let’s dive into transforming your closet into a functional and clutter-free haven. Are you overwhelmed by a messy, disorganized closet and unsure where to start decluttering? While taking inspiration from Mari Kondo’s approach, this article will focus on how to declutter closet, answering questions like which clothes to remove, and what to purge, and offering five tips for organizing your space. |
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