Many of his observations were collected in a book, "Poor Charlie's Almanack: The Wit and Wisdom of Charles T. To fans, Munger was as much the world-weary psychiatrist as a famed investor. Munger reserved many of his public comments for annual meetings of Berkshire his investment vehicle Wesco Financial Corp, which Berkshire bought out in 2011 and Daily Journal Corp, a publishing company he chaired for 45 years. He expanded my horizons." ORACLE OF PASADENAįans dubbed Buffett the "Oracle of Omaha," but Munger was held in equal esteem by his own followers, who branded him the "Oracle of Pasadena" after his adopted hometown in California. "Charlie shoved me in the direction of not just buying bargains, as Ben Graham had taught me," Buffett has said. Yet Buffett has credited Munger with pushing him to focus at Berkshire on buying wonderful companies at fair prices, rather than fair companies at wonderful prices. Like Buffett, Munger was a fan of the famed economist Benjamin Graham. "I think the best road ahead to human happiness is to expect less." "I'm slightly less optimistic than Warren is," Munger said at the 2023 annual meeting, prompting laughter after Buffett expressed his familiar optimism for America's future. More often, he did, prompting applause, laughter or both. Indeed, when Munger and Buffett would field shareholder questions for five hours at Berkshire's annual meetings, Munger routinely deadpanned after Buffett finished an answer: "I have nothing to add."
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Not sure which size might work best for you? The most important consideration is how much text you need to include. Our brochure templates come in two fold styles and multiple sizes: We Have Tri Fold and Bi Fold Brochure Sizes Whether you have many brand assets to upload or none at all, you can choose a pamphlet template that fits you. If you’d prefer to start with more of a blank slate, you can do that, too! We have blank brochure templates (which are completely empty) as well as 500+ generic templates (which are black and white, with placeholders for images, text, logos, and contact information). Use these guides to make sure your layout changes will still look good after printing and folding. Layout: Our templates are properly formatted for bi fold or tri fold brochure design, including helpful guides to indicate the fold.Experiment with new text colors until you find the perfect balance of readability and visual interest. Colors: Make your brochure stand out with a high-contrast background color or add some style with a subtle pattern fill.You can make further changes to images by cropping them, moving them, adjusting their transparency, or even placing them into unique shapes! Images: Upload your own images or insert high-res stock photos for free.You can add, delete, or move text boxes around and choose new fonts that reflect your brand. Text: All of our brochure templates have placeholders for titles and paragraphs, but you don’t have to stick with these content suggestions.Whether you're creating brochures for a dental office, church, restaurant, or spa, you can tweak every element of your your bi fold or tri fold template to fit. Don’t worry if the colors, font, or images aren’t exactly what you were envisioning our editor makes it easy to personalize your template as much or as little as you like You can filter by size, fold style (bi fold or tri fold), and industry, and then click on any brochure template you like. Feel free to browse manually to get some ideas and inspiration, or use a filter to quickly narrow down our selection of more than 3,500 templates. To design your new brochure, start by checking out our huge library of brochure templates. Over 3,500+ Professional Brochure Templates From design to delivery, we make brochures easy and affordable enough for anyone. Just click on one of our professionally designed brochure templates, use our simple editor to customize it, and then order prints or download your file.Įven if you have no design experience, the whole process can be done in minutes! You won’t have to hire a graphic designer, spend hours figuring out proper brochure formatting, or pay for a budget-busting print run. They may be relatively small, but their concise messaging and impactful images can definitely leave a big impression on recipients!Īt M圜reativeShop, brochures are one of our most popular categories, and we have thousands of ready-for-print bi fold and tri fold brochure templates. When designed effectively, brochures can educate your customers, raise awareness of your products and services, and visually reinforce your brand. Portable and information-rich, brochures are a fantastic way to connect with your target audience. He single-handedly wiped out all the Titans that broke free from Tartarus in the Gigantomachy. Godly Stamina & Endurance: Hades possesses godly stamina and endurance. His bident techniques are so fast, that they can even create afterimages. For example, when Qin Shi Huang's Tortoise Ripple touched the blood on top of his skin, Hades managed to move and shifted the crux of his Qi before the attack could go through the blood completely. Godly Speed & Reflexes: Hades displayed unfathomable movement speed and reaction time, which he can use to enhance his strength, allowing him to buildup a great deal of momentum within his attacks. The thrusts of his bident are so powerful that even the wind created from his attacks can slice opponents, which is how he draws first blood against Qin Shi Huang. Godly Strength: Although not as fast as his brothers, Hades makes up for it with being able to unleash a flurry of multiple heavy jabs with his bident that are so strong, it's implied Qin Shi Huang would've died instantly if they'd landed on him. During the Gigantomachy, Hades defeated an entire army of Titans single handedly. Like his younger brother, Poseidon, he is a fearsome and dangerous God in his own right, so much so that even other Gods were afraid of invoking his wrath. Overall Abilities: As the ruler of Helheim and one of the many possible participants of the Titanomachy and Ragnarok, Hades is incredibly powerful. He called the curse that had plagued Qin Shi Huang all his life an unfortunate blight, implying that he would never inflict such a curse on an enemy. He also grew to genuinely respect his opponent's skills as both a warrior and a fellow king. In fact, the only time he lost control of himself was upon discovering that his opponent, Qin Shi Huang, shared a similar view on kingship to that of the late Poseidon, to which Hades' response was to burst out howling with laughter at the irony. Īlthough Poseidon's death was the motivation for him to participate in the Ragnarok tournament, he didn't become blinded by rage and hatred instead, he remained level-headed and kept his composure since the beginning of his match. Additionally, Hades also believes it is his duty as the eldest to avenge his younger brothers should they ever die, as evidenced by him coming up from Helheim into Valhalla to participate in the seventh round of Ragnarok, all to avenge Poseidon, who died in the third round.ĭespite being a king, Hades believes that Poseidon was the God most worthy of the title. Hades admits that he loves his brothers very much and misses being with themĪbove all else, Hades seems to love all his younger brothers and firmly believes it is his own duty as the eldest to watch over his brothers' backs. Hades seems to be a very sophisticated and quiet individual while also being a very respected and feared God among the Greek Pantheon, seen when Ares immediately gives up his seat to him at his order and when all the Gods stood at attention upon him entering the arena. Finally, he wears long white jeans and a pair of shoes filled with square patterns. His attire is shown to be quite formal and extravagant, with a collar that spans all the way to his upper chest, and badges decorated on the left and right side of his coat. He's shown with a leaf-like pattern tattooed across his forehead, a spiked choker necklace lined, and a bead-like earring on his left ear with many smaller piercings. Much like his younger brother, Hades takes the form of a tall and handsome man with a specially-designed eyepatch on his right eye and long, stylish silver hair that spikes up at various spots on his head. Powers of attorney in Queensland are covered by the Powers of Attorney Act 1998 and the Guardianship and Administration Act 2000, which you can view on the Queensland Legislation website:Įvery Australian state and territory has different rules governing powers of attorney. You do not need to make new ones unless you want to. If you made an enduring power of attorney or Advanced Health Directive before the legislation changed on 30 November 2020, it is still valid. See the Queensland Government website for more information about the changes and how they may affect you. In November 2020 Queensland introduced significant changes in the laws that underpin guardianship and powers of attorney to be more consistent with human rights principles and United Nations conventions. In particular circumstances or occasions (for example, if you are admitted to hospital, while you are travelling overseas, or when two medical specialists certify that you no longer have capacity for making financial decisions) Immediately (your attorney can start making decisions about all your financial and property affairs as soon as they have signed their acceptance of the role, including while you have capacity) When you do not have capacity to make decisions for financial matters (meaning that your attorney can only make decisions during those times when you do not have capacity to make financial decisions yourself) However, you can specify when an attorney’s power to make financial decisions will begin, including: You can write down your ‘views, wishes and preferences’ in an enduring power, and your attorney must be guided by these when making any decisions for you after you have lost capacity.Īn attorney for personal and health matters can only make decisions for you when you do not have capacity to make those decisions. You can only make an enduring power of attorney while you still have the capacity to make your own decisions. Enduring power of attorneyĪn enduring power of attorney allows you to appoint someone to make financial decisions and/or personal and health decisions for you during times when you don’t have capacity to make them yourself. For example, if you regularly travel, you might authorise your attorney to make financial decisions whenever you are overseas. Under a general power of attorney, your attorney can only act on your behalf for the time period, task or circumstances you have specified. Typically, a general power of attorney is in place for a specific time – for example, if you are travelling overseas or physically injured and therefore need someone else to deal with your finances on a temporary basis. It ends if you lose decision-making capacity, so it’s not a future planning tool. General power of attorneyĪ general power of attorney can only be used while you have capacity to make your own decisions, and it can only be used to make decisions about financial matters. This option is about which medical treatments you do or don’t wish to receive, and there’s more information about it further down this page. You can also make an Advanced Health Directive to specify what health or medical decisions you would like made during periods when you don’t have capacity to make the decisions yourself. Other states and territories have similar documents, although they may have different names and different rules. A general power of attorney is used while you still have capacity, while an enduring power of attorney can only be used if you have lost capacity. In Queensland there are two types of powers of attorney. Types of powers of attorney in Queensland Understand the effect of making a power of attorney To appoint a power of attorney, you must: You can also appoint different attorneys for each role, and you can set limits on the decisions they are able to make – for example, only decisions about buying and selling real estate. The power of attorney can authorise your attorney to act in all financial, personal and health matters, or you can choose to appoint an attorney to act only for financial or personal matters. Personal or health decisions – for example, where you live, who you live with, your day-to-day life in the community, who you see, what activities you do, which healthcare services you receive. In Queensland, a power of attorney can cover:įinancial decisions – for example, administering your bank accounts, paying your bills, buying or selling shares, managing your superannuation funds, buying or selling property. Your decision-maker is known as the ‘attorney’ and you are known as the principal. A power of attorney is a legal document that allows you to nominate someone to act as your decision-maker and manage certain decisions on your behalf. I have used Affinity Designer for 4+ years to create all of the images you see on this blog, as well as my other sites. Affinity Designer (premium, M1 optimized)Īffinity Designer is a vector graphics program developed by Serif for macOS. If you prefer something local that’s not on the cloud I also recommend the free MacPass app. □ 1Password 7 dark mode on Mac (Image source: 1Password) Many of us know how hard it is to get our parents to use best practices when it comes to online security. They also have a family plan available, which can be handy. Tip: One-time passwords, along with an authenticator app, are always safer than SMS.ġPassword’s personal plan costs $2.99 a month (billed annually). This is important to me as it means I spend less time grabbing my phone. It also supports one-time passwords, which means you can use it as a Google Authenticator alternative. The Mac App is beautiful, along with dark mode. I have used 1Password for years now and love it. And second, you should never use the same password twice, ever. Why is this important? First off, it helps to prevent from having to write them down anywhere. Most people these days are using some type of password manager. Some of these apps are also available for PC (Windows). Rosetta 2: Not optimized yet for Apple Silicon, but still runs via Rosetta 2. For those of you who don’t know, Apple takes a cut of the sale (30%) from developers when you use the App Store. This makes it super convenient to reinstall apps later down the road and saves a lot of time. While I always try to support developers where I can, I do prefer purchasing from the Mac App Store. The Mac apps below (listed in alphabetical order) consist of free and premium apps straight from the developer’s website and apps from the Mac App Store. So for most of my life, I’ve been knee-deep (more than most) in the Microsoft world of Active Directory, SharePoint, Exchange, etc. In 2013 I received the Microsoft MVP Award in the Windows Expert-IT Pro category. I switched to Macs back in 2018 after using PCs exclusively for over 20 years. Hopefully, you’ll find an awesome new Mac app or setting in this list that will help make your life easier! I’ve also included some of the tweaks and settings I change whenever I get a new Mac or reinstall macOS. So to keep from repeating myself over and over, I’ve compiled a list of what I think are the best Mac apps. Another reason for this post is that visitors, friends, and even family are always asking me which apps I use for specific tasks. In literature it can be defined as by-product, yet it shall be treated as a waste in the process of wastewater treatment. Sewage sludge can be defined as the solid or semi-solid residue left over after the treatment of wastewater. Nowadays there are several papers focusing on new serious threats to human health and ecosystem occurring in sewage sludge – both chemicals (such as toxic trace elements – Se, Ag, Ti nanoparticles polyaromatic hydrocarbons polychlorinated biphenyl perfluorinated surfactants, polycyclic musks, siloxanes, pesticides, phenols, sweeteners, personal care products, pharmaceuticals, benzotriazoles) and biological traits ( Legionella, Yersinia, Escherichia coli O157:H7). In this paper, a review on quality of sewage sludge based on the publications after 2010 has been presented. The Sewage Sludge Directive (86/278/EEC) regulates the allowable limits of Zn, Cu, Ni, Pb, Cd, Cr and Hg and pathogens and allows for recovery of sludge on land under defined sanitary and environmentally sound conditions. For over decades, a great deal of attention has been focused on total concentration of few heavy metals and pathogenic bacteria Salmonella and Escherichia coli. This situation occurs mainly due to the fact, that the sewage sludge may contain a dangerous volume of different contaminants. However, according to the report of European Commission published in 2010, only 39% of produced sewage sludge is recycled into agriculture in the European Union. As sources of nutrients (C, N, P) they are widely used in intensive farming where large supplementation of organic matter to maintain fertility and enhance crop yields is needed. Sewage sludge/biosolids are by-wastes of municipal and industrial wastewater treatment. Your refund will be processed, and a credit will automatically be applied to your credit card or original method of payment, usually within 1 or 2 business days. Once your return is received and inspected, we will send you an email to notify you that we have received your returned item. Send us an Email at and include the following information: To return an item you are not satisfied with, please follow these steps: It must also be in the original packaging. To be eligible for a return, your item must be unused and in the same condition that you received it. Please note that the return of a non-defective item will be denied and your appliance will automatically be sent back you. Once your package is received we will then confirm the shipment of your new appliance by email. We will assume all other shipping and handling fees tied with your request. Please note that you will be responsible for the shipping costs from your address to our warehouse. We recommend that your ship your item with the original box and that you use a traceable shipping method like Canada Post or UPS. Once your request has been authorized, you’ll be able to return your item it to the following address: We will respond to you as soon as possible by email. the nature of the defect (Pictures/ Videos will help Send us an email at and include the following information: If you experience problems with an item within its warranty period, please follow these steps: These guarantees apply ONLY to a device whose defect can be detected at the time of return and not damaged during use. Please make return requests through email: Electrical Appliances Exchanges (Under Warranty):Īll purchases of electrical appliances are FINAL. Empire Shop will honour the manufacturer’s warranty for all electrical items purchased from its website and will replace defective electrical appliances covered. Magnify your finest work with the T-Outliner® Trimmer. Performance The Andis GTX T-Outliner delivers on its promise of bump-free technology. The carbon steel T-blade is sharp, allowing for crisp lines and close shaves, though it can get warm during extended use. We stand behind our products and want our customers to be satisfied with them. No detail is too small for those who love the craft. Its black finish gives it a sleek, professional look, a step up aesthetically from its competitors. We handle returns on a case-by-case basis and our goal is to satisfy our customers. Thank you for shopping with The Empire Shop, We appreciate your business and it is important to us that you are completely satisfied with your purchase. You can add lots of links to link building campaign, according to your plan subscription. It monitors your newly acquired backlinks. This tool provides you the amazing feature for link building such as: It helps you to integrate with Gmail and Google search Console. It provides the huge list of prospects based on keywords and competitors. This tool makes easy to do analysis of competitors and your SEO Competitors. This tool helps you in collecting list of link building opportunities and providing you the interface to acquire links from others. You will get the list of backlinks and from where you can get the backlinks. These templates will help you with recognizing readability scores and recommended text length. You can check and review the progress of your competitors for the targeted keywords. Templates provide you recommendations based on SEO. You just have to enter a keyword or group of keywords and template will be generated. They are providing a wide range of SEO CONTENT TEMPLATES which helps content writers to design SEO friendly content. It provides you the platform to create SEO friendly content which is helpful to rank Higher on the search engines, optimize content for higher traffic and engagement. 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By using this toolkit, it becomes easy to create a content plan or redesigning the old one. These tools help digital marketers in designing their content which satisfies requirements of the audience. SEMrush has brought a range of tools for content marketing. Let’s talk about content marketing toolkit: It is comparatively more user-friendly than any other tools. SEMrush is the most used software in the field of digital marketing. SEMrush software contains 40 tools which includes tools for content marketing, keyword research, social media management etc. SEMrush is nearly used by 6,000,000 Marketing professionals. SEMrush provides an online content marketing platform that helps businesses to build an online presence across all the different channels. If you are spending on something, then you also expect something good from that. Lot’s of people are searching for the best content marketing toolkit. Start FREE Trial For 7 Days SEMrush Content Marketing Toolkit Reviews: 2020 Create content using your audience’s needs & interests & keep up the good work on time. Get a kit of tools for developing a successful content strategy & writing engaging content. ” Thanks For Supporting Us” SEMrush Content Marketing Platform – Plan, Write & Analyze If you click on those links and make a purchase, I’ll earn a commission at no extra cost to you. Affiliate Disclosure:– There are some affiliate links on this page. Then you will divide all the boxes diagonally. Since we are focusing on multiplying two-digit numbers we need to create a box and divide it into four smaller boxes by drawing a line horizontally and vertically. You create this by creating a box and dividing it into smaller boxes. The first step is you have to have the lattice built. Lattice Multiplication Step By Step: Step 1 Lattice Multiplication also takes out the need to put a placeholder, which in my experience many students can forget to do.įor someone who is used to the traditional method this method may be daunting but don’t worry I will break it down for you step by step here. This is especially true of high functioning special needs students. Some students need something that is more visual to be able to get how to do the problem. The reason I love common core is that it really helps the students who do not understand in the traditional method. This grid functions much like a multiplication table. The smallest normally used is a two by two grid (which I will be focusing on), but it can be expanded to multiply bigger numbers as well. It sets up the multiplication problems within a grid. Lattice multiplication is a more visual method of multiplication. *This post may contain affiliate links for full disclosure click here. I will help you learn this method by taking you through Lattice Multiplication step by step. I enjoy that common core shows another method for students who do not understand under the traditional method and one of the methods that I particularly like is Lattice Multiplication. Before those of you who hate common core write me off a delusional let me tell you why. I fall into the camp of people that love it. All rights belong to Monica Abarca.With common core some people love it and other people hate it. Fonts and clipart found in this resource are copyrighted and may not be used without permission or obtaining a license from the original author. Failure to comply is a copyright infringement and a violation of the Digital Millennium Copyright Act (DMCA). This product may not be distributed or displayed digitally for public view, this also includes using any part of this resource on You Tube for student videos. Copying for more than one teacher, classroom, school, or uploading to a school server/website is strictly prohibited. Additional licenses may be purchased by the original buyer at a discount by going to the “My Purchases” tab on TPT. This resource is intended for classroom and personal use and is to be used only by the original downloader (one teacher), unless additional licenses are purchased. Terms of Use - Copyright © Monica Abarca. Hope you enjoy it! I appreciate your feedback. If you have any questions or concerns, please don’t hesitate to contact me. If you are looking for Multi-Digit Addition & Subtraction Worksheets click here to view in my store! If you are looking for more Long Division Practice Worksheets click here to view in my store! If you are looking for Long Division Worksheets click here to view in my store! If you are looking for Multi-Digit Multiplication Worksheets click here to view in my store! If you are looking for Area Model Multiplication Worksheets click here to view in my store! If you are looking for Partial Quotients Practice Worksheets click here to view in my store! Illustrate and explain the calculation by using equations, rectangular arrays, and/or area models. Multiply a whole number of up to four digits by a one-digit whole number, and multiply two two-digit numbers, using strategies based on place value and the properties of operations. It is aligned to the following 3rd and 4th grade CCSS math standards:įluently add and subtract within 1000 using strategies and algorithms based on place value, properties of operations, and/or the relationship between addition and subtraction.
There is no time limit in Block Blast, so think carefully about your every move. Instead of waiting for the perfectly shaped blocks, take the opportunity to free up more space and score points.Ģ. Download the setup file, run it on your computer and Code::Blocks will be installed, ready for you to work with it. This is the easy way for installing Code::Blocks. This app and website blocker can also sync across your devices to prevent you from opening distractions on any platform. There are different ways to download and install Code::Blocks on your computer: Download the binary release. Plan your next move as you think constantly about what blocks might show up.ġ. Freedom uses several different technologies to stop these apps from receiving new content and flooding your screen time with notifications. We will keep providing blocks of various shapes until you have no space left on the board.ģ. Drag and drop the blocks onto the board and clear the blocks when a column or row is filled.Ģ. What's New in 4.1 - Pre-flight checks to ensure your flight commands are compliant with the drone specs. What's New in 4.1.1 - We've made improvements and fixed bugs for a smoother flight. Beautiful blocks and wonderful sound effects will bring you a fantastic gaming experience.ġ. Download DroneBlocks and enjoy it on your iPhone, iPad, and iPod touch. No network connection is needed you can enjoy Block Blast anytime, anywhere.ģ. Simple and easy to play, suitable for all ages, excellent choice to kill time.Ģ. Easily combine original professional sounds across a wide array of. Test your IQ and exercise your brain in Block Blast!ġ. Download Blocs Wave - Make & Record Music for iOS to blocs Wave is a music creation app designed to inspire new musical ideas. It is up to your logical skills and layout strategy if you want to score high points. The more COMBOs you perform, the more points you get. It’s also worth noting that currently Blocs 5 projects will not open in the iPad beta. Drag and drop blocks onto the board to fill a row or column to complete elimination and clearing multiple rows or columns at once will produce a cool elimination animation as well as extra points. Blocs for Mac and Blocs for iPad are separate products. MacappsWindowsAppsIOSAndroidSkillsGamesCategoriesSolutionsRSS. Block Blast Adventure Master Description Block Blast: A perfect mix of block and brain Puzzle games, combining creativity with the classics! The simple control, wonderful sound effects, and a great rhythm! Block Blast will leave you wanting more!Īside from the classical brain gameplay, you will also experience a whole new original COMBO gameplay. |
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