![]() The content created by our editorial staff is objective, factual, and not influenced by our advertisers. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.Įditorial policy, so you can trust that our content is honest and accurate. Our experts have been helping you master your money for over four decades. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our goal is to give you the best advice to help you make smart personal finance decisions. Our editorial team does not receive direct compensation from our advertisers.īankrate’s editorial team writes on behalf of YOU – the reader. We maintain a firewall between our advertisers and our editorial team. ![]() Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. And we constantly review our criteria to ensure we’re putting accuracy first.īankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. We reduce industry jargon so you get the clearest form of information possible.Īll providers discussed on our site are vetted based on the value they provide.We provide up-to-date, reliable market information to help you make confident decisions.We guide you throughout your search and help you understand your coverage options.They focus on the points consumers care about most - price, customer service, policy features and savings opportunities - so you can feel confident about which provider is right for you. Our insurance team is composed of agents, data analysts, and customers like you. Who ensure everything we publish is objective, accurate and trustworthy. Highly qualified professionals and edited by So you can trust that we’re putting your interests first. Process and giving people confidence in which actions to take next.īankrate follows a strict editorial policy, We’ve maintained this reputation for over four decades by demystifying the financial decision-making We do not include the universe of companies or financial offers that may be available to you.įounded in 1976, Bankrate has a long track record of helping people make smart financial choices. But this compensation does not influence the information we publish, or the reviews that you see on this site. ![]() This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. The offers that appear on this site are from companies that compensate us. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.īankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. We are an independent, advertising-supported comparison service. ![]()
0 Comments
![]() ![]() Actual work week lengths have been falling in the developed world. The New Economics Foundation has recommended moving to a 21-hour standard work week to address problems with unemployment, high carbon emissions, low well-being, entrenched inequalities, overworking, family care, and the general lack of free time. In a 2011 report of 26 OECD countries, Germany had the lowest average working hours per week at 25.6 hours. The front runners for lowest average weekly work hours are the Netherlands with 27 hours, and France with 30 hours. is around 33, with the average man employed full-time for 8.4 hours per work day, and the average woman employed full-time for 7.9 hours per work day. Today the average hours worked in the U.S. For example, in the U.S in the late 19th century it was estimated that the average work week was over 60 hours per week. Most countries in the developed world have seen average hours worked decrease significantly. Weekly working hours in US manufacturing (blue) In the mid-2000s, the Netherlands was the first country in the industrialized world where the overall average working week dropped to less than 30 hours. In developed economies, as the time needed to manufacture goods has declined, more working hours have become available to provide services, resulting in a shift of much of the workforce between sectors.Įconomic growth in monetary terms tends to be concentrated in health care, education, government, criminal justice, corrections, and other activities rather than those that contribute directly to the production of material goods. Technology has also continued to improve worker productivity, permitting standards of living to rise as hours decline. Working hours in industrializing economies like South Korea, though still much higher than the leading industrial countries, are also declining steadily. In 1995, China adopted a 40-hour week, eliminating half-day work on Saturdays (though this is not widely practiced). The decline continued at a faster pace in Europe: for example, France adopted a 35-hour workweek in 2000. The limitation of working hours is also proclaimed by the Universal Declaration of Human Rights, International Covenant on Economic, Social and Cultural Rights, and European Social Charter. The workweek, in most of the industrialized world, dropped steadily, to about 40 hours after World War II. Over the 20th century, work hours shortened by almost half, partly due to rising wages brought about by renewed economic growth and competition for skilled workers, with a supporting role from trade unions, collective bargaining, and progressive legislation. ![]() ġ906 – strike for the 8 working hours per day in France The World Health Organization and the International Labour Organization estimated that globally in 2016 one in ten workers were exposed to working 55 or more hours per week and 745,000 persons died as a result of having a heart disease event or a stroke attributable to having worked these long hours, making exposure to long working hours the occupational risk factor with the largest disease burden. The employee cannot work more than the level specified in the maximum working hours law. Maximum working hours refers to the maximum working hours of an employee. ![]() Standard working hours of countries worldwide are around 40 to 44 hours per week (but not everywhere: from 35 hours per week in France to up to 105 hours per week in North Korean labor camps) and the additional overtime payments are around 25% to 50% above the normal hourly payments. The employer pays higher rates for overtime hours as required in the law. ![]() Standard working hours (or normal working hours) refers to the legislation to limit the working hours per day, per week, per month or per year. In developed countries like the United Kingdom, some workers are part-time because they are unable to find full-time work, but many choose reduced work hours to care for children or other family some choose it simply to increase leisure time. For example, someone who is supporting children and paying a large mortgage might need to work more hours to meet basic costs of living than someone of the same earning power with lower housing costs. Working time may vary from person to person, often depending on economic conditions, location, culture, lifestyle choice, and the profitability of the individual's livelihood. Many countries regulate the work week by law, such as stipulating minimum daily rest periods, annual holidays, and a maximum number of working hours per week. Unpaid labor such as personal housework or caring for children or pets is not considered part of the working week. Working ( laboring) time is the period of time that a person spends at paid labor. ![]() ![]() ![]() Questions about speed limits on city streets or county roads should be directed to the transportation departments of these local governments. TxDOT only has jurisdiction over setting speed limits on the state highway system. JurisdictionĬitizen requests for speed zone studies on highways should be made to the TxDOT district office with jurisdiction over the roadway. Texas 75098 Re: Speed Zoning Study along Country Club Road between FM 544 and. Speed limits on state highways may be set by the commission or by a city if the highway is within city limits. WHEREAS, Section 545.356 of the Texas Transportation Code provides that. To determine how many gallons of water is needed to cover 1,000 sq ft depends on the sprayer. Please refer to the product label for the correct usage rate for your needs. A weedkiller is mainly developed to control or kill certain types of weeds. ![]() A maximum speed limit of 80 mph within 10 counties on Interstate 10 and Interstate 20 is also permitted.Ĭity governments and TxDOT must conduct traffic and engineering studies according to requirements outlined in TxDOT's publication, Procedures for Establishing Speed Zones, when setting a speed limit on the state highway system. The exact dilution rate of SpeedZone Southern Herbicide depends on the specific weeds you are treating. Hours of the SpeedZone are from 10:00 AM to Midnight Sunday through Thursday, and 10:00 AM to 1:00 AM on Fridays and Saturdays. The law sets the maximum at 70 mph, but allows the Texas Transportation Commission to establish a maximum speed limit of 75 mph, or 80 mph or 85 mph if the highway is designed to accommodate that speed on the highway system if that speed is determined to be safe and reasonable after a traffic or engineering study. Texas law requires that speed limits on state roadways be set at the state maximum unless traffic and engineering studies show a need to alter a speed limit for safety reasons. ![]() ![]() ![]() Go to the password screen from the options menu. It may not have the flash of Gran Turismo or Ratchet & Clank, but HSG has had a strong following since. In versus mode, defeat the character listed by 1up or better to plays as them in Vs. The Hot Shots Golf franchise has quietly been one of Sonys more beloved 1st party offerings. Note: Jak and Ratchet do not have second outfits. Alternate outfits for vs mode characters Unlockableīeat any character by 2 up in vs.Patch based on mrjared123 patch for Minna no Golf 4. Shadows aren't working in HW mode anyway, so there is no visual difference (SW mode is fine without patch, shadows work). ![]() Play as Buronzo and Sha-ku in versus mode Hot Shots Golf Fore (SCUS974.01 US) CRCD7F42600 Remove shadows, fix HW render massive fps issues. ![]() Unlockableīeat all eighteen (15) holes, birdie or better, on back tee.īeat all eighteen (15) holes, birdie or better, on regular tee.īeat at least nine (9) holes, birdie or better, on regular tee. So if you originally hit a ball to the left on a given hole, you hit it right on the same hole in Mirrored Mode.Īdvanced Mode makes the game become like traditional golf! Watch out, as there is not much of the HUD available, like the Power Bar isn't available. Mirrored Mode, obviously, means that the levels are inverted. Summary: (Also known as 'Minna No Golf 4,' or 'Everybodys Golf 4') Join in on the off-the-wall fun, true-to-life physics and new Online gameplay. When holes of any given course are beaten, you'll unlock different modes (Back Tee, Mirrored Mode, and Advanced Mode).įor those who don't understand what these modes do:īack Tee, like in traditional golf, means that you start even further away from the hole. Generally favorable reviews based on 13 Ratings. Whenever you get birdies, eagles, double eagles, and hole-in-ones, the first time you play the level with one of those results, you get "Course Experience". mode until you come to "Z" defeat him and you will get the movie. To get the ending credits #1 movie you play play through and defeat characters in Vs. Hot Shots Golf Fore! Cheats For PlayStation 2 ![]() ![]() ![]() The number you actually need to know is the estimated net price for you. So don’t let the prices published on college websites discourage you. ![]() But the average net price of in-state tuition and fees for public four-year colleges was only about $3,980. For example, in 2015-16, the average published price of in-state tuition and fees for public four-year colleges was about $9,410. The difference between the published price and the net price can be considerable. The actual, final price (or “net price”) you’ll pay for a specific college is the difference between the published price (tuition and fees) to attend that college, minus any grants, scholarships, and education tax benefits for which you may be eligible. Most full-time college students receive some form of financial aid. It may be awarded to you based on your financial need alone, or based partly on factors such as proven academic or athletic ability. Financial Aid Reduces Your Costįinancial aid is money given or lent to you to help you pay for college. They often pay less, thanks to financial aid. There’s something else you should know: The published price of attending a college is not usually what students actually pay. You can see that the cost of college depends a lot on the choices you make. And students can find ways to save money on most of these expenses. Just like tuition, these costs vary from college to college. Other college costs include room and board, books and supplies, transportation, and personal expenses. Tuition and fees vary from college to college. Along with tuition, you’ll probably have to pay some other fees to enroll in and attend a college. Tuition is the price you pay for classes. The biggest part of college costs is usually tuition. But once students understand what college really costs, they often discover that higher education is within their reach. A common myth about college is that it’s too expensive. ![]() ![]() ![]() More rarely, allergies can also cause raccoon eyes, but the coloring is typically less prominent. Although trauma is the most common cause of raccoon eyes, other conditions can also cause it, such as: Differential diagnosisĪ differential diagnosis is when doctors have to rule out conditions that have very similar symptoms. ![]() If head or facial swelling remains within a couple of days, then raccoon eyes may soon follow. It’s important to note that raccoon eyes may not develop immediately after an injury. A broken nose or broken cheekbones are other possible causes. Injuries may result from physical assault, sports. BSF can occur from car accidents, falls, sports injuries, and other sources of head trauma.Īnother possible cause of raccoon eyes is the breaking of the thin bones that surround your eyes. Basilar skull fractures are caused by impact or trauma to the back of the head at the base of the skull. The prognosis for basilar fractures involving a portion of the sesamoid is fair compared with that for fracture of most of the base or in horses with associated articular disease (poor prognosis). When a fracture occurs, symptoms such as raccoon eyes may follow. Basilar skull fractures involve one or more of the skull base bones and are classified as anterior, middle, or posterior cranial fossa fractures. Mid-body fractures typically require reduction using lag screw(s) fixation with a prognosis of 75 (44 in another study) to return to racing. Computed tomography (CT) scans of the brain identify skull fractures in about two thirds of head. Linear fractures are the most common, followed by depressed and basilar skull fractures. The parietal bone is most frequently fractured, followed by the temporal, occipital, and frontal bones. The base of the skull is a complex structure that forms the floor of the cranial cavity and separates the brain from the head and neck. The incidence of skull fractures among head injured adults who present to emergency departments (ED) is unknown. The basal part of your skull is the bottom portion where the brain rests. Loss of hearing, smell or vision or double vision. A basilar skull fracture, or skull base fracture, is a type of traumatic head injury that involves a break in at least one of the bones at the base of the skull. Raccoon eyes is most often caused by a basal skull fracture (BSF). ![]() ![]() ![]() The business also has a DejaVu Sandwich Bar app on the App Store. It is open from 9am to 3pm Monday to Friday, so is perfect for those after a quick breakfast or lunch and are in the area. ![]() DejaVu Sandwich Bar: What is it and what’s on offer?ĭejaVu Sandwich Bar is situated on Rose Street in Aberdeen and was established in 2006. Copy link A decentered black square over a white square.Ī post shared by DèjàVu Aberdeen Sandwich Bar girls at my first job loved it,” she said before referring to it as a Friday treat on occasion. WhatsApp Messenger An icon of the Whatsapp messenger app logo. Facebook Messenger An icon of the Twitter app logo. Facebook Messenger An icon of the facebook messenger app logo. Loading Spinner An icon of a loading spinner. Success Tick Timeout An icon of a greyed out success tick. Information An icon of an information logo. Speech Bubble Icon A icon displaying a speech bubble WhatsApp An icon of the WhatsApp logo. Video Camera An icon of a video camera shape. Previous An icon of an arrow pointing to the left. Notice An explanation mark centred inside a circle. Next An icon of an arrow pointing to the right. Hamburger Menu Icon An icon used to represent a collapsed menu. Search Icon A magnifying glass icon that is used to represent the function of searching. Magnifying Glass An icon of a magnifying glass. Comments An icon of a speech bubble, denoting user comments. Close Icon An icon used to represent where to interact to collapse or dismiss a component Comment An icon of a speech bubble. Breaking An icon of an exclamation mark on a circular background. Pause Icon A two-lined pause icon for stopping interactions. Is Not Public An icon of a human eye and eyelashes with a diagonal line through it. Is Public An icon of a human eye and eyelashes. Telephone An icon of a traditional telephone receiver. Profile An icon that resembles human head and shoulders. Linked In An icon of the Linked In "in" mark. Facebook An icon of the Facebook "f" mark. Caret An icon of a block arrow pointing to the right. Cancel An icon of a circle with a diagonal line across. This was a coconut custard and it was OUTSTANDING! Like a crab cake made of pure coconut with a coconut reduction on top.Calendar An icon of a desk calendar. The three of us shared dessert – ‘cause it’s my birthday week and ‘cause it’s delicious! The bakery’s lobby looks SO MUCH better now – full and styled!! We can’t thank Amanda enough for her expertise and enthusiasm. However Amanda’s pork and Matt’s steak were both outstanding! None of the entrees were calling my name, but these two were! We loved last time’s Alexander Valley wine so much we got a bottle of the same again!ĪND the same Lobster & Cod cakes! We generally are people who like to taste tons of different flavors, but these were just so good we couldn’t pass them up again.įor dinner I ordered a salad with avocado and goat cheeseĪnd a side of red beans + chorizo. Ambiance, good service, amazing menu, local food support. ![]() Trip number one was just a few weeks ago with Anne P! This restaurant is just doing everything right. Tonight we repaid a visit to our new favorite restaurant, Commonwealth. When you find something good, ‘tis better not to stray too far away! ![]() ![]() ![]() It is a good idea to know exactly where you want your aquarium as well as how much space you have to accommodate the aquarium. Decide where the best location for your aquarium is and take its measurements. Judy read an article that explains how a goldfish aquarium can help reduce stress and lower blood pressure. Another reason for this decision is that Judy’s husband suffers from high blood pressure as a result of his stressful overnight job. They believe that goldfish could be a good fit for their family dynamic because they do not require someone to walk them every few hours, nor do they need to be housebroken. Their two children are both in school during the day as well. Her husband works at night while she works during the day. Judy and her husband both work full-time jobs. Judy and her family have been discussing pets and whether or not they are ready for the extra responsibility. This sample will follow Judy and her family through their goldfish aquarium decision making, purchasing and setup. I will include a sample storyline situation and build on it throughout the article to help you better understand the process. Before you drive to your local pet store, you need to have a clear understanding as to what goldfish are all about as well as what they need to live happily ever after in their aquarium, outdoor pond or water garden. None of which is possible if you do not know how to care properly for them. Goldfish are a peaceful pet choice that can not only brighten your day, but they can also enhance your mind and lift your spirit. In fact, it can also be beneficial to your overall health and wellness. Owning goldfish can be an enjoyable experience. The whole shebang about setting up your goldfish aquarium: ![]() ![]() ![]() We recommend going with Amazon prints if you’re on a budget, or pay a little more for the superior print quality of Shutterfly. You can order photo books, calendars, wall art, holiday cards, birth announcements, wedding invitations, and much more.Īs with Snapfish, we felt that CVS’s photo service was just “meh” for the money. It can pull in your images from Facebook, Instagram, Google, and Flickr, and the variety of photo products is just about as robust as most of the other photo services. The website offers many more photo product options and import services. The CVS app allows for same-day photo prints and cards and it can import photos from your device, Facebook, or your CVS account. We also noticed that the 8x10s were cut poorly. The quality of the photos was good, but as was common with almost all of these services, the wallets were quite a bit darker and lost detail. Our CVS Photo prints arrived in packaging that was not confidence-inspiring (just a paper envelope with the cardboard back), but thankfully the images inside were not damaged. So, you do get a few bells and whistles for the extra money. It is worth noting, however, that Snapfish does offer a huge array of photo products (holiday cards, birth announcements, photo books, invitations, etc.) and the ability to import photos from Facebook, Google Photos, Instagram, Flickr, and mobile devices. Print lines were visible, and while we liked the feel and flexibility of their photo book, Shutterfly’s photo book print quality was far superior. And if you plan to order a photo book, we suggest avoiding Snapfish. If you’re okay with getting good-but-not-crazy-good photo quality, you might as well save a few bucks and look at Walmart Photo or Amazon Prints. The quality issues weren’t something that would probably be noticeable to the untrained eye, but the price was more than that of comparable services. The larger prints turned out well, but the wallets suffered darker shadows, and the color was a little off on one of our color portrait photos (it contained a lot of green grass, but the brown dog ended up looking a little green as well). The prints that we ordered from Snapfish were decent, but nothing to get excited about. The only hiccup we encountered was that 4圆 photos can only be picked up in-store-not shipped to your home. Overall, our experience with Walmart photo was a good one. To order from one of their many other photo gift options, like wall art, photo books, blankets, mugs, you'll need to go to the Walmart website and place your order there. Via the Services menu in the Walmart app, select Photo Prints and you can import photos from your camera roll, Facebook, or Instagram to order prints for pickup or home delivery. As with most of the other services, the wallets were a bit darker than necessary, but not to the extent that the average buyer would notice. We were happy with the prints we received. Walmart photo offers metallic easels, wall tapestries, Christmas cards, plates, jewelry, invitations, phone cases-you get it. ![]() Many of the photo products are available for pick up the same day or one hour, and all orders over $25 receive free shipping. Walmart is known for its product variety and reasonable prices, so it's no surprise that Walmart's photo service offers both of those things. But if you’re willing to sacrifice a little (not much) quality and a lot of photo product options, you can save money with our budget pick: Amazon Prints. It delivers awesome prints and photo products, and it has a great website and app. You receive the final design, add any finishing touches, and pay for the book only if you decide to order the finished product. Make My Book allows you to hire a Shutterfly designer to take your photos and turn them into a beautiful book within three business days. That’s right, you can finally order your dog that custom T-shirt.Īnd if you’re looking for a great photo book, you can design your own from its many styles and sizes, or from $29.99 there's a “Make My Book” service. It offers a huge variety of customizable holiday cards, invitations, calendars, canvas prints, home decor, and even specialty items for kids and pets. The poster was also packaged really well and arrived in perfect shape.īut of course, the Shutterfly product lineup is much more extensive than just prints and photo books. Great quality was the uniting thread across all the Shutterfly products we ordered: wallets, 4圆s, 8x10s, a photo book, and a 20x30 poster, with a number of paper options. Those details were lost in all the other services’ prints we tested. ![]() They were brighter, lighter prints, which meant tiny details were visible, even in the small wallet-size images. Across the board, Shutterfly sent back the top-quality photo prints. ![]() ![]() ![]() Securely connecting to a VPN server requires the use of public-key encryption through a TLS handshake. They then use this private key to decrypt the messages.įully managed, cloud-based firewall providing continuous inspection and treatment of internet traffic. The public key is used to encrypt data, which is then sent to the owner of the private key. Here, software is used to create sets of public and private keys. This is the type of encryption used in VPN services. This is where the key for encryption and decryption is the same, and both communicating parties must possess the same key in order to communicate. There are a few key concepts in the world of encryption: Symmetric-key This cannot be brute-forced as it would take billions of years to run through all the possible bit combinations. Generally speaking, a short key length means poor security as it is more susceptible to violation by brute-force attacks.Ī key length of 256 bits is the current ‘gold standard’. For example, Blowfish-128 is the Blowfish cipher with a key length of 128 bits. When talking about encryption today, we generally refer to a mixture of cipher and key-length, which denotes the number of ‘bits’ in a given key. The operation of a cipher usually depends on a piece of auxiliary information called a key without knowledge of the key, it is extremely difficult – if not impossible – to decrypt the resulting data. ![]() These ciphers simply denote a series of well-defined steps that can be followed repeatedly. We now use powerful algorithms called ciphers to perform encryption and decryption. ![]() Types of VPN encryptionĪt a very basic level, encryption involves substituting letters and numbers to encode data so that only authorized groups can access and understand it. In explaining the confusing array of terms commonly used by VPNs and other security products, you will be in a stronger position to choose the most secure protocol and assess the claims made by VPN providers with a much more critical eye. We’ll review different types of encryption, the main VPN protocols available, and the common ciphers behind them. This article will provide a simple point of reference for those who want to explore the technologies driving their VPN service. This confusion is reinforced by the fact that many VPN providers can be slapdash to the point of misleading when describing the type of encryption that they use. Though many of us are aware of how a VPN generally works, it’s common to get lost on the fine details of the technology due to the sheer complexity of the subject. Each one represents a different solution to the problem of secure, private, and somewhat anonymous browsing. Depending on the protocol in use, a VPN might have different speeds, capabilities, or even vulnerabilities.Įncryption protocols and ciphers are at the heart of VPN technology, determining how your ‘secure tunnel’ is actually formed. Most large organizations still employ a VPN solution to facilitate secure remote access, while millions of consumers rely on similar products to bolster their online privacy, secure public Wi-Fi connections, and circumvent site blocks.īy now, most of us know that a VPN assigns us a new IP address and transmits our online traffic through an encrypted tunnel. Introduced to the market nearly two decades ago, Virtual Private Networks (VPNs) are a uniquely enduring cornerstone of modern security. ![]() |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |