![]() ![]() A crucial aspect of managing your money and learning how to budget. The feel is very clean, organized, and as straightforward as they come. ![]() EveryDollar easily has one of the best user experiences around with budgeting. EveryDollar (Paid App)ĮveryDollarallows you to create your first budget in less than 10 minutes and easily track your spending throughout the month. I love the circle graph and the breakdown in percentages.įor a small fee of $6.99 per month, YNAB promises to help you take control of your finances. You can break down your finances over the span of multiple months, as shown above, to see how much of your money is being spent. This is really a great budgeting software that is perfect for someone that does not have a lot of self-control. Unlike Mint, where you can set it and forget it, the budgeting system YNAB will keep you on your toes and force you to budget every single dollar. YNABis one of the fastest-growing budgeting software we have ever seen. They are simple and easy to use to help you get your money under control again. We love that they have so many free templates for you to download and start using. Whether you are looking for a family budget planner, personal budget, money management system, monthly household budget, or a simple budget worksheet Vertex42 has you covered. Vertex42has a huge collection of budgeting templates and worksheets for you to use. ![]() Read how Mint and Empower compare in our review article! 6. If you can’t find a pre-made template that will fit your needs you can always learn how to create your own custom budget template in Excel. Microsoft has a variety of products and services, and their templates range from personal family budgets, monthly budget templates, holiday budget templates, budget calculators, and even wedding budget trackers, they have plenty of free options to use.Įach spreadsheet will come with basic expense categories for different situations, which you can change up how you need very easily. Microsoft Excelhas some incredible budget templates that you can use if you have Microsoft Office, you can pick a budget spreadsheet for whatever suits your needs. Using a budget spreadsheet is a very hands-on method of budgeting. This type of template is perfect for individuals that like complete control and are great with numbers. If you love looking at the numbers and tracking every last penny, then a Google Sheets budget spreadsheet will be perfect for you. Google Sheets has plenty of budget templates and spreadsheets to choose from, and unlike Microsoft Office, it’s free with your Gmail account. Of course, Google never lets you down with its products and services! Google Sheets Budget Spreadsheet Template If you get paid biweekly, I also have a free biweekly budget template so you can budget your expenses per paycheck every other week. You can head here to grab our FREE budget template now. We found when you are first getting started with a monthly budget, nothing beats pen and paper, hence why we made a whole budget planner and some templates for you! We even have a meal plan templateas well.Īdd your income at the top, then subtract your fixed costs, variable expenses, debt, and savings, then watch our digital budget auto-calculate your monthly cash flow at the bottom. Our free template is both printable as a budget worksheet and digitally like a spreadsheet that will auto-calculate for you. You can customize and use it for any financial situation! We created our FREE simple budget template to be as straightforward and easy to use as possible. ![]()
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![]() ![]() Part C offers an alternate way to receive your Medicare benefits (see below for more information).Part B provides outpatient/medical coverage.Part A provides inpatient/hospital coverage.to 4:30 p.m.There are four parts of Medicare: Part A, Part B, Part C, and Part D. If you need help, call Minnesota’s Senior LinkAge LineĪt 1-80, Monday – Friday from 8:00 a.m. Sometimes Cost Plans also include optional Part D prescription drug coverage. They include Medicare Parts A and B, but allow more flexibility to see out-of-network providers. Like Medicare Advantage plans, Cost Plans are offered by private insurance companies approved by Medicare. But currently, Cost Plans are only offered in 21 of Minnesota’s 87 counties. Medicare Cost Plans are another type of Medicare health plan that used to be a very popular option in Minnesota. These are typically out-of-pocket costs, like deductibles, copays, coinsurance and possibly health care costs not covered by Original Medicare while traveling outside the U.S. ![]() Medigap policies (Medicare Supplements) are private insurance policies that some people choose to buy to cover some costs not covered by Original Medicare. Plans can change premium amounts or the drugs they cover, so it’s important to compare plans each year. ![]() Each year, those with Part D plans can change plans from October 15 to December 7 for the coming calendar year. There are many Part D plans to choose from and all have monthly premiums. Medicare Part D is the optional prescription drug coverage offered by private insurance companies and available to all people with Medicare. Medicare Advantage plans are private health plans that usually require their members to go to providers from their network. Medicare Advantage plans are Medicare plans offered by private companies that contract with Medicare to cover Medicare Parts A, B and sometimes Part D (prescription drug) benefits. Medicare Part C is more commonly known as Medicare Advantage. There is no prescription drug coverage under Original Medicare, but you can enroll in a Medicare Part D plan. There are no networks and you pay the same amount for covered services from any Medicare provider. Under Original Medicare, you can use any health care provider who accepts Medicare. Together Medicare Part A and Part B are also known as Original Medicare. Part B has premiums, deductibles and coinsurance that you have to pay yourself or though other insurance coverage. Medicare Part B covers almost all necessary outpatient medical services, including doctors’ visits, lab work and x-rays, durable medical equipment (wheelchairs, hospital beds, etc.), ambulance services, outpatient hospital care, etc. ![]() Part A has deductibles and coinsurance, but most people don’t have to pay premiums for Part A, based on having worked at least 10 years in the US or being married to someone who has. It covers costs such as in-patient stays, skilled nursing facility care, home health care and hospice care. They can help you compare plans so you can choose the one that best fits your needs. If you need fair and unbiased help, can call Minnesota's Senior LinkAge Line at 80. Medicare has four parts – Parts A, B, C and D. Medicare is a federal health insurance program that covers millions of older adults and people with disabilities. ![]() ![]() ![]() Lastly, we’d also like to big up our own YouTube channel banner: They always add an element of humour to their videos, which their banner reflects too. Much slower, in fact, than what the naked eye sees. Gavin Free and Daniel Gruchy shoot numerous videos with their $150,000 high-speed camera and show them in slow motion. This is a good example of a cover image that captures the essence of the channel. The cover image is modern and slick, with subtle feminine elements (a nod to the fact that Refinery29 largely caters to females.) Interestingly, if you look up close, you’ll also notice that photoshoot images of women make up the colours within the text, all giving us an idea of what the brand stands for – media, fashion and female empowerment.Īnother interesting example is that of the Slow Mo Guys: Similarly, Refinery29 does an excellent job with its YouTube banner: Additionally, the parrot merging with the female character adds a clever dash of personality. The popping colour palette used here is instantly inviting, while the dominant shade remains red – Adobe’s primary brand colour. The image will stop you dead in your tracks:Ĭolour, glorious colour! As a brand with an audience base of mainly creatives, Adobe know how to capture attention. There are tons of incredible YouTube covers for your inspiration. If you’re only just getting started, our piece on how to create a YouTube channel can help you find your feet. In other words, the banner is a quick, visual representation of your brand that showcases your channel’s personality too.įor a successful YouTube channel, you should aim to design a banner that serves all of these purposes. Not to mention, YouTube cover art should quickly give an idea of what your channel is about. Consequently, the right banner here can work wonders in catching your audience’s attention and leaving a lasting impression on them. In fact, people can remember 65% of visual content even after three days of viewing it. The clean background and bold text draws the eye in immediately, while the imagery is simple yet powerful due to to the strung up all-stars being instantly recognisable at a glance.Īs people, we’re inherently drawn more to visuals than text. ![]() Let’s take Converse’s channel art as an example here. As the very first thing someone sees when they visit your page, they’re the perfect opportunity to show off your brand. 11 Best YouTube banner creators – reviewedĪ YouTube banner is a header image that stretches to take up the top horizontal position on a page, much like a Facebook cover photo.What do we mean by YouTube channel art?. ![]() ![]() ![]() After trying various online converters, we believe this is the best free YouTube to MP3 converter available online. Let's use the online converter, Convert2mp3, as an example. It's user-friendly and requires no registration. ![]() Y2Mate: Y2Mate supports MP3, MP4, and several other formats.It also provides a Chrome extension for convenience. FLVTO: This converter allows you to convert videos from YouTube to MP3, MP4, and AVI.Just paste the link, choose your format, and convert. Convert2MP3: Similar to OnlineVideoConverter, this service supports various platforms including Dailymotion and Clipfish.It's quick, free, and requires no registration. OnlineVideoConverter: This service supports a wide range of websites, not just YouTube.Simply paste the video URL, select your format (MP3 or MP4), and click convert. : A popular and user-friendly converter.Please avoid downloading anything other than the intended video files. However, some sites may have annoying pop-up ads. These converters provide a convenient and efficient way to extract audio from your favorite YouTube videos.Īll of these online YouTube to MP3 converters are free to use. ![]() Here are the top 5 YouTube to MP3 online converters that we have tested extensively. In this section, we will introduce you to five online converters and five desktop software for YouTube to MP3. Sometimes, you might want to convert a YouTube video into an MP3 format, perhaps for a podcast, a personal music collection, or a sound effect for your video project.įortunately, there are several reliable online tools and downloadable software that can do this. ![]() ![]() Also, try other interesting ROM Hacks as well, such as Pokemon Bloody Diamond. This game is pretty challenging and that is why many leave it in the middle, so now it is up to you for how much time you last. Because he/she want to make Mewtwo stronger. However, this is not enough for Neil/Tyra. Neil/Tyra, a gifted scientist of Ivara Region, is trying to create a powerful Pokemon called Mewtwo. This way Creepy Black ROM Hack will start on your PC.ĭownload Pokemon Creepy Black ROM where you enjoy dark graphics, unique Pokemon, and horror background music. So, trainers, these are the top 10 pokemon rom hacks of all time (not in order) 10.Once the installation of the emulator is complete, immediately select the game ROM file and open it in the emulator. Recent Forum Posts (NES) Total Conversion Hack Castlevania 3: Aperture of Corruption.It looks good and plays well because it still uses Pokemon Crystal’s story. Liquid Crystal has everything you need from an updated hack. Gen 2 hacks for the GBA seem to be well-loved like Pokemon Ultra Shiny Gold Sigma. Liquid Crystal is a hack based on Pokemon Crystal. ![]() The link is available on this page, so download the emulator from here and after that start the installation process. We’re on the top 3 hacks for our best completed Pokemon ROM hack list.It is a GBA Based game which is why you need to get the GBA Emulator to play this game on your PC. Top 5 Pokemon GBA ROM Hacks With Scary Story Halloween Theme & Much More (2020)5.How to play Pokemon Creepy Black ROM on PC? The Curse move has been introduced in this version which seems much like a horror movie scene because when you use this feature horror music will start and the whole screen will turn black for a while and the opponent’s Pokemon will die. By using the unique moves of Ghost Pokemon you can kill the opponent’s Pokemon as well as the opponent. Let’s start with Professor Oak who always provides you with an introduction, in this game he will tell you how difficult the challenges might be for you.Ĭontrary to most of the Pokemon games where you knock out your opponent here things are different. The storyline and the appearance of many Pokemon creatures and the characters’ dialogues have also completely changed in this version making it a pretty unique version for gamers. ![]() ![]() ![]() ![]() Hooking is the strategy of adding a single letter to the existing word in order to create a completely new one. This isn't as easy as it sounds, though! You will find using this handy jumble solver to be helpful in achieving this Scrabble feat. This is how you get a big score in a single turn in Scrabble the bingo! You get 50 points by getting rid of the seven unplayed letters on your rack all at once. The best thing about it is that it's free! Use and abuse it to win your favorite board games and better your vocabulary and crossword puzzle skills.Īiming to be a master Scrabble® player? Here are 4 proven powerful tools to help you win the next game with your friends. We encourage even the game experts to use this Scrabble cheat board as a training tool to help you improve your lexicon. You may be having second thoughts about using scramble solvers while playing Scrabble or a different puzzle game, but we believe that the only way to improve your command of the language is by learning new words regularly. Use our online Scrabble solver to unscramble the jumbled letters on your rack and maintain your winning streak in this fun word game. This word generator is explicitly made to complement and improve your game skills. Even long-time Scrabble players will find a hard time figuring something out at one point or another. The biggest challenge of playing Scrabble is forming Scrabble words out of seven letters while making sure that it's well connected with all the letters laid out on the board. Once there are no more tiles in the bag, and one of the players has already placed his or her tiles on the board, the game ends. In other words, you can get a triple word score only by smartly placing the word on the board. When a tile is laid on one of these squares, its value or the whole word's value will be multiplied double or triple. You will also find score multipliers scattered around the Scrabble board. These blank tiles have no point values.ġ0 Points: Q & Z, the most difficult letter tiles Take note that there are 2 blank tiles included in the bag that can be used as a representative of any letter. A common letter like A, E or I has a lower value while the highest-point letters Q and Z have 10 points. This depends on how rare the letter is and how difficult it can be to use and lay it on the board. Using his or her tiles, players take turns in forming words (accepted by the Scrabble dictionary) on the board, either sidewards or downwards.Įach letter tile has a corresponding point value. Each player gets a combination of 7 letters on their rack for every round. A game consists of a minimum of 2 players and a maximum of 4 players. These tiles have corresponding points in them. Each set includes a 15 x 15 tiled Scrabble board and 100 pieces of letter tiles - bearing consonants and vowels. The rules of the popular game are pretty simple. Scrabble is a classic board game that has been enjoyed by many generations. ![]() |
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