Social Security, Housing Equity, and Household Balance Sheets at Retirement A brief conclusion summarizes our findings and indicates how they bear on a number of policy issues, such as the role for annuity defaults in retirement saving plans. Because home equity is often conserved until very late in life, for many households it may provide some insurance against the risk of living longer than expected. We find that many households appear to treat housing equity and non-annuitized financial assets as “precautionary savings,” tending to draw them down only when they experience a shock such as the death of a spouse or a period of substantial medical outlays. We also consider the role of housing equity in the portfolios of retirement-age households and explore the extent to which households draw down housing equity and financial assets as they age. At the upper end of the wealth distribution, however, a substantial number of households could make large annuity purchases. Even if households used all of their financial assets inside and outside personal retirement accounts to purchase a life annuity, only 47 percent of households between the ages of 65 and 69 in 2008 could increase their life-contingent income by more than $5,000 per year. It draws heavily on data collected by the Health and Retirement Study, which we sometimes refer to as the “HRS.” We calculate the “potential additional annuity income” that households could purchase, given their holdings of non-annuitized financial assets at the start of retirement. This paper presents evidence on the resources available to households as they enter retirement. In short, many households have small enough amounts of accumulated wealth that they will depend heavily on the life-contingent payout streams offered by Social Security and, if they have one, a defined benefit pension. The median financial asset holding for this group, including holdings in personal retirement accounts, is $52,000. Only 45 percent had more than $20,000 in non-retirement-account financial assets. A much higher fraction-87 percent-had some financial assets outside their retirement accounts, but for many households the amount of such assets was relatively modest. In 2008, just over 80 percent of these households had some equity in their home or another property, while 52 percent had assets in personal retirement accounts. Throughout our analysis, we will define “retirement-age households” as those headed by someone between the ages of 65 and 69. The three most common sources of accumulated wealth are equity in an owner-occupied home, financial assets such as bonds and stocks, and financial assets held in a personal retirement account such as an Individual Retirement Arrangement or a 401(k) plan. These payout streams provide income for life-and thus provide some protection against falling into poverty if one lives an especially long life. The two most common annuitized income streams are Social Security benefits and the payments from defined benefit pension plans. Retired households are dependent on the annuitized income streams that they have built up during their working careers and on the wealth that they have accumulated in other forms. Thus, the focus of many researchers, financial services firms, and public policymakers concerned with retirement saving is shifting from the accumulation of resources while working to the drawdown of resources during retirement. As the “baby boomers” approach and enter their retirement years, the accumulation phase of their life-cycle is nearly over.
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In any case the settings are the same on windows as on Mac, so it shouldn’t be a problem to follow this guide. For simplicity’s sake, all the screenshots are for the Mac, which is the operating system I’m using as I write this article. Let’s now go over how to configure MAMP correctly. Wait for the installation to complete and the confirmation message to appear. Now you will see a summary screen if everything is correct proceed with the installation. In the next steps you will be asked to choose in which Start Menu folder to install the application and whether or not you want to create a desktop icon. In most cases there will be no need for the paid version.Ĭhoose where to install MAMP, my advice is to leave the default folder. The free version is complete, obviously it has some features less than the paid version, but it is still a complete software. MAMP is available in two versions, one free and one paid. PHP, but can also sater for Perl or Python.MySQL, the database usually used on the web.Apache, the web server (although you can choose Nginx as the webserver).Mac OSX (although now also available for Windows).This is a dedicated WordPress solution that makes all the operations very easy. If you simply want to install WordPress locally check out the article where we talk about Local. In this way we can develop our web applications locally, and then and once they are tested and working upload them to the server.Īlthough we provide tools on our WordPress hosting that allow us to manage WordPress easily, it is a convenience to be able to have WordPress locally to speed up development tasks. We will be able to run php files without the need to upload them to a remote server. MAMP is an application that allows us to create a local server in a few simple steps.
Ping and Mushu ask Sora and company to join them as they attempt to enlist Ping in the Imperial Army, and it is soon after this that Goofy deduces Ping is a girl in disguise. The "little, lethal, and legendary" dragon is delighted to see his old friends again, and the young man proudly introduces himself as "Ping, son of Fa Zhou." Ping states that Mushu is one of his family's guardians Mushu declares that borrowing someone as important as a family guardian puts Sora, Donald, and Goofy in Ping's debt. Just as the trio is about to attack, the shadow reveals itself to be none other than Mushu. Donald believes the creature is a Heartless, and Sora decides to attack it, even though Goofy cautions him to reconsider this decision. When Sora, Donald, and Goofy visit The Land of Dragons, Goofy notices a young man cowering before a massive, dragon-shaped shadow. This time, however, he is merely a figment of Sora's memories. On Sora's journey through Castle Oblivion, Mushu lends the Keyblade wielder his power once again. He aids Sora in many battles and returns to his world following its restoration after the defeat of Ansem. Mushu survives the destruction of his home world, The Land of Dragons, in the form of a Summon Gem. He first appeared in the Disney film Mulan. He is the guardian of Fa Mulan and resides in The Land of Dragons. Mushu is a recurring character in the Kingdom Hearts series, and a summon in Kingdom Hearts. " That's right, I know you heard of me! I'm little, lethal, and legendary! Now y'all scram before I get my dragon dander up!" -Mushu He was once one of the Fa family guardians. Mushu gave Sora and his friends some valuable help during their last adventure. He hopes to prove himself and win back his place among the other guardians by helping Mulan. He used to be one of the Fa family guardians, but Mushu's mistakes got him demoted to the lowly job of gong ringer. If Sora calls, Mushu will come to our aid. Due to past mistakes, he lost much of his former power. Once a guardian dragon of a Chinese family. This ancient dragon heated things up in "Mulan" (1998). Though small, he has the power of a great dragon. He was banished by the other guardians because of his foolish ways. One of the guardian spirits of an ancient clan. You can avoid being detected by creatures, you can build strategies to distract them, through sound or visual lures or by attracting them.Decide to either face the creatures or hide from them, in the same way you’d face or hide your fears. Eurogamer spoke to Ral Rubio Munrriz, co-founder and creative director of Tequila Works and asked for clarification as, until way in to 2020, the only way to play Gylt is to fork out 120 on.Get to understand the world surrounding and discover the mystery behind Emily’s disappearance.After being chased by a group of bullies, Sally is dragged into a twisted version of her town where her fears and worse memories are presented in a wicked and very real way. Her life is not easy, and it has become even worse since her little cousin Emily disappeared. Live the story of Sally, a little girl living in Bethelwood. Set in a creepy and melancholic world, GYLT is an eerie story mixing fantasy and reality in a surrealist place where. GYLT is a narrative adventure game with puzzles, stealth and action, set in a fictional old mining town in the state of Maine. Hide from terrible creatures or confront them as you find your way through the challenges of this wicked world. Set in a creepy and melancholic world, GYLT is an eerie story mixing fantasy and reality in a surrealist place where your nightmares become reality. After plastering posters around the place to keep Emily's name in the town's. You follow Sally, a young girl trying to locate her missing cousin, Emily. HOW TO BYPASS GOOGLE DRIVE DOWNLOAD LIMIT ? Gylt's surprisingly light on story, though. In the new section’s first page, click the header or footer. By selecting Layout > Breaks, you can select the next page. Unlinking A Header Or Footer In Microsoft WordĪ section can be started by clicking or tapping on the page at the start. Experimenting with different combinations of these elements until you find a look that you like is often the best way to create a unique and visually interesting header for each section of a website. However, some tips on how to achieve this include using different colors or background images for each section, or using different fonts or sizes for the header text. There is no one-size-fits-all answer to this question, as the best way to make the header different on each section will vary depending on the specific website and its design. How Do I Make The Header Different On Each Section? Finally, select the “Headers & Footers” option and choose the desired header style. Next, tap the “Document Settings” option. To make different headers in the Word app, first tap the “More” button in the upper-right corner of the screen. How Do I Make Different Headers In Word App? In the Style dialog box, select the text for the style’s heading, and click OK. When you double-click the style name, it will open the style dialog box. After you’ve entered the name of the new style (for example, “Heading 1”), click OK in the New Style dialog box. When you’re ready to change the heading of a document in Word, open it and navigate to the Home tab, then to the Styles group, click New Style. How To Create A New Heading Style In Microsoft Word However, in general, you should be able to edit headers by tapping on the header area and then tapping the “Edit” button. There is no definitive answer to this question since it depends on which version of Word for iPad you are using. Then tap “Options” from the “Headers” section, followed by “Advanced Options.” The “Different Odd Pages” option can be found in the right-hand column next to “Odd Pages.” How Do I Edit Headers In Word For Ipad? You can insert your header from the main menu by selecting “Header.” After that, you can choose “Breaks” from the main menu, followed by “Layout.” Select the next page. Your header will now be different on each page of your document! Tap the “Done” button in the top-right corner of the screen. Type your header text into the “Header” field. Tap the “Header” button in the “Header & Footer” menu. Tap the “Different First Page” button in the “Header & Footer” menu. Tap the “Headers & Footers” button in the top-right corner of the screen. Tap the “+” sign in the top-left corner of the screen to create a new document. Follow the steps below to learn how to add a different header on each page of your document using Microsoft Word on an iPad. This includes adding headers and footers, which can be different on each page of your document. Assuming you would like an introduction on how to make a header different on each page using Microsoft Word on an iPad: One of the many benefits of Microsoft Word is the ability to customize your document to fit your needs. odt templates on the fly while scraping the job post & tracking employer status. Automate resume & cover letter creation generate PDFs from. Create compelling eye-catching resumes that grab employers’ attention and enhance your chances of getting hired. A complete resume management system where you can create, download, post and send resumes. 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Awesome board game to play with friends, games night, at a party, office party, dinner parties etc. 301 Best Never Have I Ever Questions The premise behind Never Have I Ever is super simple: A player shares a statement about something they’ve never done.It can be used for teenagers at a slumber party, it can be used for kids during a school function, it can be used for twenty-somethings as a drinking game, it can be used at a corporate event, and more. EXAMPLE QUESTIONS: “Have you ever woken up next to someone who you didn't know?”, "Have you ever had a drink thrown in your face?", “Would you rather win $50,000, than have your best friend win $500,000?” Plus so many more next level questions Players take turns asking the group if theyve done, said or experienced a variety of weird, wacky and naughty things. 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As soon as you step up to screen sizes above 80 inches the cost of TVs explodes, leaving the vast majority of households having to limit their home theatre dreams to 75 inches at the very largest. But they’ll also be all too aware of how much really big TV screens cost. And if that's the case for you, this is the UST projector that we most heartily recommend.Īnyone who’s into home cinema appreciates the value of a really big TV screen. You should also consider a traditional home cinema projector, of course, but for those who don't have the space and/or patience, a UST will make all sorts of sense. Naturally, it doesn't offer the inky blacks, striking contrast or next-gen gaming specs of a 77-inch LG C2 OLED, but it does offer a vastly bigger and more cinematic picture – and for a lower price. The LG HU715Q is the most convincing case yet for swapping out your TV for an ultra-short throw projector. But while it may be close, could it really replace your TV? The LG Cinebeam HU715Q is about as close as a projector can get to being a TV, with a sleek design, sharp picture and built-in webOS operating system. Space saving is the game here, without the need for mounts or dedicated home cinema rooms to house bulky traditional projectors, the UST’s main advantage is that it can be placed against a wall but it can still produce a huge image. Ultra short throw projectors, or USTs for short, are becoming an increasingly popular option for those who want the big screen theatrics of a projector with the convenience of a TV. Read the full review: Epson Home Cinema 3800 (EH-TW7100) How's that for a superb family projector? In other words, an AVR, speaker package and home cinema room are not entirely necessary. Bluetooth allows for direct connection with a wireless speaker or soundbar, and the high luminance means that it's usable in moderately lit rooms. That said, it's as much the convenience of this machine that makes it so good. Colors are balanced and motion is naturally smooth. All the preset modes are very well judged and it gives an excellent level of black depth and dark detail for a projector at this price. You'll get a great image right out of the box without needing to be any kind of expert at tinkering with the settings. It’s easy to set up and install, and produces a picture that’s reminiscent of what you'll get at the cinema. It's a shade pricey for an entry-level device but, make no mistake, the Epson Home Cinema 3800 (known as the EH-TW7100 in the UK) is the king of affordable 4K projectors. While you inevitably have to accept a compromise or two in return for Sony delivering a full 4K laser projector at this price, those compromises are ultimately crushed by the joyous impact the XW5000ES’s combination of laser lighting and exceptional X1 Ultimate processing has on both your immediate and long-term movie night thrills. Moving to laser, though, means no longer having to put up with either the inconvenience and ongoing costs associated with having to replace lamps every few thousand hours of use, or the relatively rapid degradation in brightness that lamps suffer. Prior to the XW5000ES, Sony’s entry-level SXRD 4K projectors – such as last year’s VW290ES (VW325ES in the US) – have relied on lamp rather than laser technology. Why? Because it’s the cheapest truly native 4K laser projector the home cinema world has ever seen. The VPL-XW5000ES is a watershed moment for not just Sony’s projection business but the home cinema world in general. The only question is how much do you have to spend? We've rounded up our favorite projectors, including Full HD and native 4K models, which also support HDR, and some short throw projectors too for those with smaller spaces. There are even one or two portables that would make an excellent bring-along addition to a garden party for an outdoor cinema experience. These projectors don't quite reach that screen size, but instead closer to 150-inches if you have the space, which should still convey the cinematic experience at home. This is where a home cinema projector comes in, with picture sizes often up to 300-inches, the best projectors are the only way to get that genuine big-screen feeling. That being said, we're in an age where movies hit streaming movies sooner than ever before, and sometimes you want to get that theatre experience with older movies. Who doesn't love a trip to the theatre? The big screen experience in a dark room brings blockbusters to life, it's truly an unmatched way to experience your favourite movies. I then documented the format as best as I could. I mainly copy/pasted code from other repos with minimal changes and was up and running in no time. The main building blocks of the converter are:Īlthough the iReal Pro format is proprietary and officially undocumented, I was lucky enough to find previous work and functioning code to parse it. Building the moduleĪll right, enough justifications and let’s jump into the technical aspects of this work. Most importantly, perhaps, iReal Pro’s native MusicXML fails on some of its own leadsheets, including those that feature odd time signatures - more on that below. Further, the MusicXML export feature is only accessible via the app’s UI and cannot be automated or batched. ( I’ve posted about MusicXML validation before, because it is an integral part of my development process). The value of converting these leadsheets to a standard interchange format lies in the ability to rely on a wealth of supporting applications for further processing.Īlthough iReal Pro already features a MusicXML export function, the generated files refer to an obsolete version of the music standard, in addition to being non-compliant to its schema. It is in this spirit that I decided to write a conversion module from the iReal Pro song format to the standard music interchange format, MusicXML. A great deal of the iReal Pro’s value lies in its content, namely the thousands of royalty-free leadsheets that are community-driven, and therefore evolving with fixes and enhancements as they are being actively used. Unnecessary pressure! It would be much more useful for an app to show both the full chart (including the melodic theme) and to provide playback.Īll is not lost. During practice, I perform a complicated ritual on my tablet whereby I load up the PDF chart and the iReal Pro app, then click the Play button in iReal Pro before quickly switching to the PDF chart while iReal Pro is counting in. For example, one of my frustrations as a practicing musician, is that I still need to refer to a traditional (Real Book) chart in order to read a song’s melodic theme. It’s understandable, because how else could the app makers sustain their work by releasing their app in the open? Open source business models are still contentious.įurthermore, some limitations of iReal Pro are structural. Philosophical considerations aside, this means that its development is gated and that fixes and new features are up to the whims and fortunes of a single organization. Now that’s what I call a successful product!įor all its greatness, iReal Pro suffers from one big (but understandable) flaw: it is not open source. Because the app is flexible and easy to use, it has attracted a large community of users who have contributed the bulk of the leadsheets that are in active use today. It allows to specify a full chord progression and to play it back in a number of styles, from pop to jazz to latin. iReal Pro (source) MuseScore (via ireal-musicxml) OSMD (via ireal-musicxml) What’s the point?įor musicians, iReal Pro is an indispensable tool that captures the essence of practicing a tune. Click each thumbnail to see a larger image. In this post, I hope to summarize the challenges, lessons learned, as well as the context around this work.īut first, some pretty pictures! Following is the same iReal Pro leadsheet for Herbie Hancock’s Butterfly, as rendered by iReal Pro, then rendered by MuseScore and OpenSheetMusicDisplay (OSMD) after MusicXML conversion. Yesterday, I finally published an online demo of my iReal Pro to MusicXML converter (unimaginatively called ireal-musicxml), having spent around 300% of the time I had originally anticipated to reach the first release of this module. Further description of iReal Pro playback emulation |
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