![]() ![]() It basically either displays a) the signal flow in concentric circles (each circle representing left and right audio) along with the vertical signal bar, b) the deck with the spinning yellow bar to indicate movement of the spinning deck, or c) just simply the vertical signal bar. It enables you to change what is displayed on the deck, in relation to time code set up and signal. The platter / scope section is pretty cool. I think it may be nice to have 3 full decks whilst running just one sample deck. One thing I noticed, which may be something Native Instruments may want to change down the line, is that if you have either of the 2 lower decks (C or D) set to be a sample deck in the ‘Deck Flavour”, then you are only able to set both decks C & D to small or micro. ![]() The deck layout has a couple of different options, one thing I discovered is that if you like to toggle between showing the advanced panel under the deck, then the only way this is possible, is if you have the layout set to ‘Advanced’ in the preferences. The two things I wanted to mention were the Deck Layout and Platter/Scope. There appears to be no mix level for the headphones on the internal mixer?! The other option may be to use the master tick on the master clock, which plays through the monitor channel and then play the track through the main output to align the beats.ĭeck Preferences, show a bunch of different options (click the picture to enlarge). Although at this stage, it is a very quiet tick and apart from turning the gain on the track way down and panning the track either left or right to hear the tick in the channel with no audio, I am yet to discover a way to control the level between music and tick whilst monitoring in the headphones. ![]() They have removed it from the top and placed this tick function in each deck. This is completely customizable and you can set any deck up as any type of deck.Īnother cool change is the beat tick addition to each deck. With the added option of using sample decks. The ‘Live’ option being very similar to the ‘Audio Through’ setting of TP1. The other main difference is the option of changing the deck type to either ‘Track’, ‘Sample’ or ‘Live’. DecksĪpart from the initial obvious GUI changes (it looks nice and is all different colours). Don’t worry too much about this though, as if you make any mistake you can change it within the preferences later down the road. TP2 then works through a set up wizard, allowing you to set up the system how you like it. It also appears that all tracks need to be analysed again, which imports all their cue points and grids. The only thing that appears to be missing so far is my X1 settings, but this will be straight forward to do inside the preferences. It allows you to copy all your previous settings and information across into Traktor 2. So the install process is first of all very simple. The aim was to check out the main differences and to communicate them to you. I downloaded the demo version yesterday and had a quick play around with it. The eagerly awaited Traktor Pro 2 from Native Instruments has arrived in stores and is also available for download. ![]()
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You just need to pick up the red flowers after Bob and Ms. green stuff to Monty, and he will give you $5 so that you will be able to pay the lab fee and go to the science class later on. Go to the dumpster and take the green flower.But tells him that it's worth more than $5 and he will also give you a Monstermon Card. You should have all 5 different types of flowers. ![]() If you have already collected all 5 different types of flowers, Dr.Then go to the Science Class by paying $3. Danner will leave the Science room and bring his flower eating Venus Fly Trap called Diana to the Science room, then he leaves the Science room again to get the notes. Nugget losing his arm in a sewer grate is likely a reference to Georgie from It.Danner will kill you using his ray gun if you don't have all 5 different types of flowers when you go to the Science Class.While Nugget always speaks in third person, he stops doing this if he takes the Principal's pills.Nugget is one of the three kids who can read, the others being Monty and Billy.The Protagonist then decides to go home and Nugget decides to also, as there is no one left at the kindergarten. In the second game's monstermon card ending Nugget also kills 1/2 of the school by using a snap that turns people into dust and the other 1/2 of the school by using lightning bolts that explodes people upon impact leaving just Nugget and The Protagonist left alive. Nugget then tells them he has important matters to attend to and to thank Nugget for his bravery Lily gives him a kiss on the cheek which excites Nugget and he claims "he must tell the whole world". Danner's annoyance.įinally Nugget is seen at the end when he drills through the ceiling and kills the female principal by drilling through her eyeball and then greets Lily, Billy, and The Protagonist and all the kidnapped children that the principal imprisoned come back with them and the 6 of them leave the school. Later in the mission Nugget is sad that he can't dig a nugget cave but The Protagonist gives him a jackhammer that allows him to dig one but not before Nugget steals some chicken nuggets and microwaves them in the teacher's lounge much to Dr. In the Creature Feature route he will be let out of the sewer after The Protagonist uses Penny's eye laser to destroy the grate blocking the exit and Nugget will then tell The Protagonist he knows that he was controlling Penny using the remote and that he should talk to Billy and Lily so he can help them save the school. ![]() Depending on the character's choice to free him or not, Nugget may be forced to tear his arm off, and the player has to have Stevie fight with the Janitor to regain it. In this game will find Nugget in the sewer originally. When we ask him what is he doing, he responds that he's making another Nugget Cave, but the cave collapsed on him. Of course in an alternate ending after the protagonist uses a monster card, he will say that he was the mastermind behind all of it, he will bring on the apocalypse to kill everyone except the protagonist, explaining to him that he wants the game creator to do a sequel of the game with only him and the protagonist, of course the protagonist will be disgusted by his action and leave him, Nugget will then jump in the hole he dug and kill himself. Applegate will scold him and he jumps in the hole himself to be sure to not be caught by her, he is of course in love with Lily, but he he doesn't know how to tell her, he tried to write her a love letter, it is unfortunate that the teacher sees it and reads it much to his dismay, When the protagonist will saves Billy with Lily, Nugget will be very happy that his friend is alive. Of course, he always digs a hole that is really deep sometimes pushing the protagonist inside killing him even if they are friends, when Lily jumps in the hole after being tricked by Cindy and the protagonist. Nugget is a kid who loves nuggets so much, he even has nuggets in his hair, he befriended the protagonist by telling him he doesn't have any friend now that Billy is missing. ![]() ![]() ![]() ![]() That party must also arrange for a technical assistant to be similarly present at the remote site for like purposes. The VCF arranging party must ensure that an appropriate person will be present at the local site to supervise the operation of the VCF throughout the transmission in order to deal with any technical problems. The court will need to be satisfied that any equipment provided by the parties for use at the local site and also that at the remote site is of sufficient quality for a satisfactory transmission. Details of the remote site, and of the equipment to be used both at the local site (if not being supplied by the court) and the remote site (including the number of ISDN lines and connection speed), together with all necessary contact names and telephone numbers, will have to be provided to the listing officer, diary manager or other court officer. The VCF arranging party must contact the listing officer, diary manager or other appropriate officer of the court which made the VCF direction and make arrangements for the VCF transmission. The local site will, if practicable, be a courtroom but it may instead be an appropriate studio or conference room. That party is hereafter referred to as ‘the VCF arranging party’. The court will ordinarily direct that the party seeking permission to use VCF is to be responsible for this. If a VCF direction is given, arrangements for the transmission will then need to be made. If a witness at a remote site is to give evidence by an interpreter, consideration should be given at this stage as to whether the interpreter should be at the local site or the remote site. ![]() All parties are entitled to be heard on whether or not such a direction should be given and as to its terms. If all parties consent to a direction, permission can be sought by letter, fax or e-mail, although the court may still require an oral hearing. Before seeking a direction, the applicant should notify the listing officer, diary manager or other appropriate court officer of the intention to seek it, and should enquire as to the availability of court VCF equipment for the day or days of the proposed VCF. The court's permission is required for any part of any proceedings to be dealt with by means of VCF. ![]() ![]() ![]() Of course there are many ways to spell these sounds which we refer to as phonograms. ‘R’ controlled sounds, have a vowel and the /r/ sound:Ī dipthong is a combination of two sounds, each with two different spellings. Listen to the short vowel sounds on this video: The other 21 letters are used to make the 25 consonant sounds.Ĥ ‘r’ controlled vowel sounds 5 Long Vowel Sounds In these words, the vowel can no longer be pronounced as a long or short vowel, and its sound becomes dominant by. So, in a word, when any of the letters ‘a’, ‘e’, ‘i’, ‘o’ or ‘u’ is followed by r, we can call it an R controlled vowel. Word Family Fun: 20 Short Vowel Word Family Books and Activitiesįrom the 26 letters in the English alphabet, 5 of these letters are used to make 19 vowel sounds. An ‘R Controlled’ vowel is a vowel that is immediately followed by the letter ‘r’.In the Jellybean Jar Long and Short Vowels File Folder Games.The worksheets are organized by R-controlled syllables, including a list of 1 syllable words & a list of multisyllabic R-Controlled vowel words. Watch a demonstration of Tiger Trek games.Printable eBooks from Teacher eBooks NOW: The ultimate Bossy R Lists Get two pdf lists with over 150 R-Controlled vowel words, including AR, ER, IR, OR, and UR. Students should be able to decode nonsense words such as ‘fram’ and ‘terk’ as well as real words. Tiger Trek can be used to play many games, including War, Rummy, Memory, Go Fish and more! The Tiger Trek deck contains both real and nonsense words in order to assess concept knowledge and discourage rote memorization. Tiger Trek card games are a fun, multisensory way to reinforce r-controlled vowels. Dot and Jot (phoneme/grapheme mapping) can help students prevent these transpositions. In many words, reversing the two letters will still produce a real word (barn/bran, arm/ram). When writing/spelling a word with an r-controlled vowel, students will often incorrectly reverse the and the vowel. Click on each one to jump to practice with that specific sound, or keep scrolling to see them all. ![]() All words for spelling and reading contain t. This video briefly discusses the r controlled vowel sound for IR. If you are a Kendore-trained teacher, be sure to refer to your manual for instructions on using Growling ‘r’ tiger to teach your students r-controlled vowels. There are 7 /r/-controlled vowels, as seen in these words. Practice reading and spelling words with IR. Are you teaching the r-controlled vowel sounds and looking for engaging, fun literacy games with eer sound words Use these r-controlled vowel sound. The vowel sound is influenced or controlled by the letter R. When there is a Vowel + R, the vowel no longer makes its long or short sound. Poor Growling ‘r’ hasn’t learned his manners and he growls when introduced to new friends. Children remember the adventures of Growling ‘r’ tiger and translate this story into an understanding of r-controlled vowels. R-Controlled vowels are any vowel (a, e, i, o, u) immediately followed by the letter R. Here is a list of the different r-influenced vowels: -ar: car, farm, art, hard, star -or: fork, sort, north, born, storm -are: large, carve -are: share, care, square -air: fair, chair, stairs -er: clerk, letter, serve -ear: hear, dear, fearful -eer: cheer, deer, steer -ir: first, bird, stir. The first option is to raise the back of the tongue so that the sides of the tongue touch the back teeth. The Kendore Kingdom features a memorable story about Growling ‘r’ tiger. This strange sound is created the same way as the r sound /r/, and therefore has the same two options available for pronouncing it. While still controls the sound of /ar/ and /or/, these r-controlled vowels have unique sounds - making them easier for children to spell. Learn about the r-controlled vowel sounds in English. When all else fails and the student does not know the proper spelling, knowing frequency will help students make an educated spelling guess. It helps to know that is the most common spelling of the /er/ sound (40%), is the second most common (26%), and is the least common (13%). Since, , and all sound the same, spelling these digraphs can be tricky. Growling r vowels are vowel digraphs since they are two letters representing one sound. For example, the word car would start at OLIVE. ![]() Then locate the sound of the stressed vowel on the Chart. First, say the word and hold the vowel sound that precedes the r. ![]() In the Kendore Kingdom, we call these three r-controlled vowels “growling r” vowels because rather than letting the vowel say its sound or name, the makes the vowel growl like a tiger. R-controlled vowels are vowels that, when followed by an r, have a modified sound. The letter becomes very bossy when it follows a vowel! This letter affects the sound a vowel makes, giving a vowel followed by an the name “r-controlled vowel.” Tricky R-Controlled Vowels: ‘er’, ‘ur’, and ‘ir’ ![]() ![]() ![]() Grimlock Optimus Prime Galvatron Lockdown Bumblebee, transformers, fictional Character, transformers The Movie, transformers Prime png 966x804px 796.17KB.Lockdown Jetfire Bumblebee Transformers Optimus Prime, Transformers: Age Of Extinction, film, autobot, optimus Prime png 480x738px 593.09KB.Optimus Prime Lockdown Galvatron Bumblebee Megatron, others, fictional Character, optimus Prime, autobot png 480x540px 484.56KB.Bumblebee Lockdown Carrera Slot car Transformers, Robotics, car, mode Of Transport, vehicle png 1181x944px 975.65KB.Bumblebee Lockdown Transformers Film Logo, transformers, angle, logo, 3D Film png 400x386px 225.75KB. ![]() Optimus Prime Barricade TRANSFORMERS: Earth Wars Lockdown, transformers, fictional Character, optimus Prime, autobot png 1999x1832px 2.36MB.Lockdown Grimlock Bumblebee Transformers Q0, Robocraft, action Figure, transformers Age Of Extinction, toy png 740x1068px 838.05KB.Lockdown Optimus Prime Sentinel Prime Barricade Transformers: The Game, transformers, optimus Prime, transformers The Game, barricade png 683x1024px 493.59KB.Drift Optimus Prime Lockdown Transformers: The Game, Transformers: Age Of Extinction, autobot, transformers Prime, transformers The Game png 480x598px 338.36KB.Bumblebee Optimus Prime Dinobots Lockdown Sideswipe, transformers dinobots, monochrome, fictional Character, arm png 700x879px 461.04KB.Lockdown Drift Optimus Prime Starscream Transformers, Transformers: Age Of Extinction, film, autobot, optimus Prime png 480x575px 501.53KB.Optimus Prime Transformers Universe Lockdown, optimus, fictional Character, transformers The Movie, optimus Prime png 791x1011px 581.47KB.Lockdown Cliffjumper Fallen Trailbreaker Transformers, Ratchet transfomer, transformers The Movie, autobot, trailbreaker png 653x897px 726.96KB.Lockdown Bumblebee Hound Ironhide Optimus Prime, transformer, autobot, optimus Prime, action Figure png 660x512px 66.16KB. ![]() ![]() ![]() Use a text editor, and scroll down in the my.ini file to. ClickĮdit your MySQL's my.ini file.that's your configuration file for your SQL database, and it's generally located in the root folder for your MySQL database (try looking in wamp > bin > mysql > mysql5.5 ). To give proper credit, I had to blend answers provided by two people: RiggsFolly's answer to this question on resetting the root password in wamp, which is what I'm using, and jm666's answer for this question on restoring a deleted root user in MySQL using MAMP on OS X.Ĭlick on the Wamp system tray icon to bring up the tray menu. Please keep in mind that I am a newbie at this! I am trying different things, but without any success.that is why I'll probably need step-by-step instructions. However, I have been unsuccessful in starting mysql with the -skip-grant-tables option from outside mysql.exe, and when I try to do it from within mysql.exe, I just get an odd prompt ("->") and no other commands seem to work. I've tried to access MySQL using a terminal connection: in the MySQL root folder there is a file called mysql.exe that seems to grant this when executed (there is no "mysql_safe.exe" as some solutions have suggested).There is no file called "resetroot.bat" anywhere in the wamp/sql folders, as someone suggested.so that option is out.I'd hate to see months of work go down the drain!ĮDIT: Using Windows, I've tried the following: ![]() However, it seems I can still move around in phpMyAdmin (maybe because I'm still logged in?).Ĭould someone please tell me step-by-step how (if?) I can re-add the root users using phpMyAdmin? I see instructions posted in various places, but they seem to address users who are using terminal windows or some other program. Immediately things stopped working.and now, when I click on the "Users" tab in phpMyAdmin, it simply returns a red bar that says "No Privileges".my specific superuser is gone. I thought that since I created my own superuser with "All Privileges," I didn't need the root users.so I deleted them. I was working in phpMyAdmin to change the password of a superuser I had set up with a login-name other than "root." While doing so, I saw three additional "root" users, and on the phpMyAdmin home page, a warning about these root users not having a password. I'm test-running a Joomla installation (locally, using WAMP) with an MySQL database supporting it.this is in preparation to moving everything online once I have it configured. ![]() ![]() ![]() It's quick, it supports hundreds of Web sites, and it truly does its job in one click. Overall, if you're looking for a quick and easy utility for downloading online videos (legal content, to which you own the rights), RealDownloader is tops. We would've loved to be able to easily rename files, then export and convert to a desired file format. Select the Toolbars and Extensions category and look for the RealPlayer Downloader plugin. Immediately open the software to proceed to the next step. Open Internet Explorer and go to Tools > Manage Add-ons. ![]() Then launch the file to divert you to the installation prompt. Click the download icon above to get the installer file. While RealDownloader did perform impressively in our tests, we do wish it had some richer built-in exporting tools. First, you must obtain the CleverGet installer file to install this application. Close the Manage Add-ons window and try downloading a video again. A clean reinstall of Real Player 15 Plus doesn't fix this. It was working from 1/31 to 2/3 and now doesn't show at all. If the plugin is disabled, click the Enable button to enable it. CheckMate 2/4/12, 1:00 AM more options The Real Player Browser Download Record Plugin 15.0.1 in Firefox 10 stopped appearing on all videos. So if you want your videos viewable on the go, an upgrade is definitely worth considering. Open Internet Explorer and go to Tools > Manage Add-ons. In addition, you'll get accelerated downloads, download straight to iTunes, and convert to audio functions. And you won't have to worry about file formats as the program will do all of the transcoding for you. If you upgrade to RealDownloader Plus, you'll be able to copy your downloaded videos to any of a number of devices, including iPhones, Android phones, and more. It lets you easily share the original link to any of your downloaded videos through e-mail, Facebook, Twitter, or (inexplicably) MySpace. The add-on is lightweight and ensures that you never get stuck with files that you can't access.Īs a bonus, RealDownloader also comes with some sharing options. ![]() And if RealDownloader can't find a default video player that supports your download, it will give you the option to download a free, add-on video player. You can download multiple videos at once, and even playback from within the program. From there, all you have to do is click the small pop-up button that says "Download This Video," and you're all set. It just detects when you're on a supported site, and pops up whenever you roll over the top-right corner of a video. When you install RealDownloader, it integrates with your browsers (Firefox, Chrome, and IE are supported), so you don't have to boot it up every time you want to use it. Unlike many of its competitors, when RealDownloader says one-click, it seriously means just one click. Install the RealPlayer desktop app, and you get an easy, one-click download option appearing at your command whenever you watch streaming video on Fire Fox or Internet Explorer. RealDownloader is perhaps the quickest and simplest online video-downloader for Windows that we've seen. ![]() ![]() ![]() MAG sprocket.Ĭolors: Sky blue or Flamboyant red. Adjustable handlebar and saddle 20" x 1 3/8" tires. Five speed GT-120 Schwinn-Approved derailleur. Strong carbon steel frame quick and responsive performance. This is it! The responsive, quick and easy riding. MAG sprocket.Ĭolors: Kool Lemon or Sunset Orange. Sleek styling in a string carbon steel frame, fast, and responsive.įive-speed gears! Adjustable handlebar, and saddle.Stik-Shift 20" x 1 3/8" Slik rear and sports front tires. MAF sprocket.Ĭolors: Kool Lemon, Kool Orange, or Campus Green. 27" X 1 3/8" Slik rear and sports front tires. Lightweight styling, fast, and responsive.Īdjustable handlebar and saddle. Colors: Lemon, Campus green, orange, sky blue. Stik-Shift 20" x 1 3/8" Slik rear and sports front H36-9 Fastback, 5-speed Stik-Shift.$79.95Īdjustable handlebar, and saddle.Lightweight Sting-Ray styling-fast and maneuverable! Sting-Ray bikes for Boysįully adjustable handlebar and new deep bucket saddle.Sport style Stik-Shift lever. Colors: Kool Lemon, Campus green, Red, sky blue. Schwinn Slik rear tire, 20" x 1 3/8" sports touring front tire, "MAG" sprocket. Short hops, or for just plain riding fun, the Schwinn Fastback is great. It also achieves an added thrill with the addition of 5-speed gears and a fast acting Stik-Shift gear shift. Is the 5-speed model that combines the easy pedaling of a lightweight with the maneuverability of the original Sting-Ray. FUlly adjustable handlebar and bucket saddle to fit 5 or 6 foot rider.Ī lightweight version of the Sting-Ray, called the Fastback was introduced in 1966 and quickly became a best seller. Colors: Campus green, Coppertone, sky blue, black. Tire, standard front tire, 5-speed derailleur, 37 to 74 gear. Stik-Shift, patented Schwinn Ram's Horn handlebar, "MAG" sprocket., bucket saddle, handbrakes, Schwinn 20" x 1 3/8" Slik rear The lightweight Sting-Ray that really loves to move. H36-9 20" Fastback Sting-Ray.$72.95 Schwinn Ram's Horn Fastback.Colors: Campus Green, COppertone, SKy blue,black. Schwinn Sting-Ray handlebars, bucket saddle, handbrakes, SchwinnĢ0" x 1 3/8" FastBack Slik rear tire, sports touring front tire, "MAG" sprocket. Quick-acting Stik-Shift with 5-speed derailleur gears.įully adjustable handlebar and saddle to fit 5 or 6 foor rider. Exciting power through all ranges of gears. Great for fun riding, distance runs, or forīreak away to new adventure. THe FastbackĬombines the speed of a lightweight with the maneuverability to a Sting-Ray. Designed to give the rider a stirring combination of features for quick maneuvers, fast starts and short turns. Sting-Ray Bikes For BoysĮvery model is a true fun bike. H37-9 20" Ram's Horn Fastback Sting-RayĮxcitement is a Sting-Ray! and how there are many thrilling new Sting-Rays to choose from.5-speed derailleur, 37 to 74 gear, Silver Glow bucket saddle, frontĪnd rear caliper brakes, chrome plated fenders, Schwinn lightweight Slik rear tire, 20" x nylon sports touring front tire,Ĭolors: Coppertone, Sky Blue, Violet, Black. Introducing the unique "Ram's Horn" handlebar. Test ride one today!ĥ-speed Stik-Shift for sure quick starts and fast cruising speeds. ![]() There's a brand new one-the Ram's Horn-with the same thrilling performance and sporty new styling. New! 5-speer Sprint Derailleur 37 to 74 gear, to fast take-offs, car cruising on tan trips.Īll new, with the swift, clean lines of true sports car styling!įor distance runs, for short hops, or for fun riding, the Schwinn Fastback is simply great! And now for 1967, New! Sweeping Sting-Ray "fastback" handlebars for more comfort plus style. Radiant Coppertone, Sky blue, violet, black. Handlebar and saddle fully adjustable for the tallest rider, chrome plated fenders,įront and rear caliper brakes, 20" x 1 2/3 nylon cor sports touring tires. Smart looking, too- another style leader by Schwinn. Speed and handling ease with Sting-Ray maneuver ability! You have to try it to believe it! The 5-speed gears make long trips and a breeze! What a ride! Here's the winning combination of lightweight. Newest lightweight sports model for adults and teen-agers, designed by Schwinn. Sting-Ray then adds 5-speed derailleur gears and a fast-acting Stik-Shift to achieve a wonderful new thrill in bike Thisĥ-speed lightweight version of the Sting-Ray, combines the speed of a lightweight with the maneuverability of the This page provides year by year images and info quoted from Schwinn catalogs for the Fastback from 1966 to 1976.Ī new lightweight Sting-Ray, called the Fastback, was introduced in 1966 and quickly became the market's best seller. ![]() ![]() ![]() With documentation from your existing FHA loan, you can save time during the loan process. Reduce your monthly mortgage payment for real savings that add up over time.* Start Your Streamlined Refinance Today With: ![]() Looking to get started on your 2021 savings? Refinance Your FHA Loan with an FHA Streamline Refinance through a simple process that saves you time and money while lowering your monthly payments.* Contact us for a Free Mortgage Checkup to make sure you are in the right home loan for you today. ![]() Your home loan needs may change over time. Make sure you are apportioning sufficient amounts to savings, retirement, emergency funds, or investing in a new home. Review your income and expenses to make sure you are crystal clear about where all your money is going. This may improve your credit score and could lead to better loan rates. Give us a call to learn more.Įnsure your credit card balances are less than 30% of credit available. You can receive a free copy of your credit report once a year. Get comparative data on the most recent home sales in your neighborhood and ensure your biggest investment is on the right track. Plus, since you currently have an FHA loan, you may have the unique opportunity to lower your mortgage interest rate through a quick and simple process with an FHA Streamline Refinance. See how you can start saving today with an FHA Streamline Refinance Loan.* Take these 5 steps to ensure that the health of your monetary landscape is stable and ready for growth. Spring is here, which signals new beginnings, and it’s the perfect time to clean up your finances. You can opt out of most by visiting or calling the national credit bureau’s hotline at 1-888-5-OPTOUT (67-8688).Breath in and smell the freshness of the new season. If you thought it was impossible to avoid credit card and loan solicitations, think again. Check out Bankrate’s reference sheet to determine how long you should keep various types of financial documents. Go through your tax files, shred older files and create a system that keeps your paperwork organized so it is easily accessible. The IRS recommends keeping tax returns and other important documents for at least seven years after you file the return. A lower monthly payment frees up more money in the rest of your budget. When was the last time you took a look at all your insurance policies? Chat with your insurance providers about the possibility of securing lower rates on auto, life or home insurance. Review your insurance policiesĪs your life changes, your insurance needs change, too. Our Credit Counseling is free, confidential and can help you create an action plan for paying off debt. If you feel overwhelmed or don’t know where to start, we can help. Adjust your budget and make a commitment to paying off credit cards and student loans. Create a plan to pay off your debtĭon’t let fear or procrastination get in the way of a debt-free life. Define each person’s role and set reminders to help ensure you pay all your bills on time, every time. An established process is especially important for families, couples or roommates who may need to split bills. Establish a bill-paying process Įnlist in auto-bill pay programs or create a calendar to track bills and due dates. Each has different features based on your needs-some help with budgeting and bill pay, while others assist with paying off debts or monitoring your credit score. Mobile apps like Mint, PocketGuard or Level make it easy and convenient to improve your personal finance habits. How can you adapt spending patterns to free up more money? Is your budget filled with wants or needs? Document your budget on a simple worksheet or online, and review monthly to ensure you’re on track. Take a close look at what you spend now, how much you make and your financial goals. Here are several ways you can review and refresh your financial life: Refresh your budgetĪ realistic and balanced budget is the #1 tool in your financial arsenal. But spring cleaning should go beyond living spaces-your finances can likely use some attention, too. Spring’s arrival is the perfect time to tackle ambitious spring cleaning projects like purging closets and pantries. ![]() |
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