Retiring in your thirties or forties might seem like a pipe dream, but that’s the goal of some young workers who are following an extreme savings movement known as the Fire method.Įven if you think some of the measures taken by Fire savers are a bit too much for you, adopting the general principles could shave years off your expected retirement age. But by incorporating dynamic spending, with a –1.5% floor/5% ceiling, that retiree could withdraw 5.0% a year and have the same level of confidence.Fire savers are young workers who set aside as much as 70% of their income each month and invest it with the aim of being able to retire early. For example, our historical research† showed that a retiree with a portfolio of 50% stocks/50% bonds could withdraw 4.3% a year with 85% confidence that the portfolio would last through 35 years of retirement. And it enables you to weather bad markets without substantially reducing your spending.īest of all, dynamic spending can mean greater spending levels throughout retirement. This framework allows you to decide how much you want to benefit from good markets by spending a portion of those gains. The fourth line, portfolio viability, shows that portfolio viability is unpredictable with dollar-plus-inflation, is more stable with dynamic spending, and can't be depleted with percentage-of-portfolio. The third line, spending flexibility, shows that spending flexibility is less flexible with dollar-plus-inflation, more flexible with dynamic spending, and highly flexible with percentage-of-portfolio. The second line, short-term spending stability, shows that short-term spending stability is stable with dollar-plus-inflation, fluctuates within limits with dynamic spending, and is variable with percentage-of-portfolio. The first line, market performance, shows that dollar-plus-inflation ignores market performance, dynamic spending is somewhat responsive to it, and percentage-of-portfolio is highly responsive to it. Underneath the spending rules are 4 lines showing the different portfolio characteristics and how each rule impacts them. On the left is the dollar-plus-inflation rule with a 0% ceiling and floor, in the middle is the dynamic spending rule with a 5% ceiling and –1.5% floor, and on the right is the percentage-of-portfolio rule with an unlimited ceiling and floor. This graph shows the spectrum of the 3 spending rules. But you don’t go any higher than the “ceiling” or any lower than the “floor” you set as part of your strategy. To use dynamic spending, you calculate the upcoming year’s spending by adjusting the amount of this year’s spending based on your portfolio return for the year. It's also completely customizable, so in addition to deciding how much to withdraw the first year, you decide how much you're willing (and able) to raise or lower your spending in response to market movements. Your spending is more flexible than with a dollar-plus-inflation approach but also more stable than with the percentage-of-portfolio approach. In other words, it achieves a happy medium. It builds on people's natural tendency to spend more when markets are up and less when markets are down-but moderates the wild swings you get when giving market performance free rein over your spending. Since many people equally prioritize spending levels and portfolio preservation, we created a retirement strategy that achieves both important goals-covering current spending while aiming to preserve enough money for the future.ĭynamic spending-a hybrid of the dollar-plus-inflation and percentage-of-portfolio rules-does just that.
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- Collect digits the caller types on their keypad.The core TwiML verbs for Programmable Voice are: You can use different combinations of TwiML verbs to create all kinds of interactive voice applications. Verb names are case sensitive, as are their attribute names. Because of this, most elements in a TwiML document are TwiML verbs. TwiML verbs tell Twilio what actions to take on a given call. In order for Twilio to say it to your caller.Īny other structure is considered invalid. This message must be nested in a Response element Trust Hub REST API - ISVs/Resellers using SubaccountsĬonnect Virtual Agent (Dialogflow CX) Studio Widget Trust Hub REST API - ISVs/Resellers with Single, Top-Level Project Trust Hub REST API - Direct Customers using Subaccounts Trust Hub REST API - Direct Customers, no Subaccounts Protect your account with Voice Dialing Geographic Permissions How to Share Information Between Your Applications Programmable Voice Product Behavior Changes in non-us1 Home Regions Why doesn't my invoice match what I pull from the call logs? Voice Media IP Migration Expansion Security FAQ Using Twilio Voice side by side with WebRTC - iOSĪnswering Machine Detection FAQ & Best Practices Using Twilio Voice side by side with WebRTC - Android Getting Started with the Voice Android SDK SIP Domain Registration CredentialListMapping Resource Route calls to your SIP network with an outbound callĪdd programmability to your existing SIP networkĭialingPermissions BulkCountryUpdate ResourceĭialingPermissions HighRiskSpecialPrefix Resource Make and receive phone calls in the browserīuild an Automated Survey with Twilio Programmable Voice IOS SDK quickstart (Objective-C and Swift)Ĭonsume a real-time Media Stream using WebSockets, Python, and FlaskĬapture a payment during a call (Generic Pay Connector)īuild an Interactive Voice Response (IVR) Phone Treeīuild an IVR for Screening and Recording Callsīuild a Rapid Response Kit with Voice Conference and Broadcasting Getting Started with Programmable Voice.
Delligatti proposed a new sandwich called simply the Big Mac! McDonalds executives didn’t receive the idea well at first but eventually got the green light to pilot the sandwich in the Uniontown market in 1967. Competing against the large sandwich offerings of Big Boys and Burger King, Mr. Delligatti opened his first McDonald’s restaurant in 1957 and branched out 47 more franchise stores over the next two decades. We have all enjoyed our share of this famously delicious burger that revolutionized the fast food world. His claim to fame, which has reached far around the world, is the invention of the Big Mac sandwich at McDonald’s. Michael “Jim” Delligatti who established Uno’s, The Honi Honi Bar, Garrett 8 Cinemas, and Arrowhead Market was a well-known fixture here at Deep Creek Lake. Most locals know the man and the story about this very successful businessman. Taylor-Made Real Estate Betsy Spiker Holcomb-30 Continue reading New Deep Creek Lake & Garrett County Businesses! Posted on JanuFebruAuthor Betsy Spiker Holcomb Categories Deep Creek Lake Business Tags Deep Creek Lake Restaurants and bars Leave a comment on New Deep Creek Lake & Garrett County Businesses! Big Mac inventor passes away-Deep Creek Lake Newsĭeep Creek Lakes Favorite Real Estate Agent The shop combines their love of the mountains and the beach. Located at The Fort in McHenry, A Mountain Fix features fun gifts, items for pets, and fine sterling jewelry. It is located at 20128 Garrett Highway next to Will O the Wisp. Firewater is part of the Ace’s Run, Brenda’s Pizzeria and Trader’s Coffee House family of businesses. This new lakefront restaurant has amazing views! They offer fresh-made craft cocktails, craft beers, and exceptional dining. I encourage you to support these local spots when you have the chance. There are several recent additions to our community. Garrett County businesses are surviving and thriving despite the pandemic. DirectInput has been the most heavily tested and raw input the least. If having trouble with the keyboard or mouse, try changing modes. If you experience delayed response to input, make sure PCSX2's priority is set to normal or lower. Screenshots and LilyPad itself are at the bottom of the post.Īs discussed below, to bind a d-pad or joystick of any type, use the bind horizontal/vertical axis buttons rather than the individual direction buttons. Pressure sensitive buttons and other single-direction axes (Like foot peddles) are also supported. Multiple keys/buttons/axes can be bound to the same PS2 button, and one key/button/axis can be bound to multiple PS2 buttons. It supports multiple devices of all types, and devices of different types can be mixed and matched. I'm not terribly concerned about it, but consider it licensed under GPL version 2.Ī quick list of the features: Keyboards/Mice/Direct Input devices are all supported. 64-bit dll removed, since anyone who needs it can compile it and having it around only really serves to confuse the helpless. dll is bigger because I switched compilers, and it now statically links to the C runtime to avoid requiring updated dlls. Work around for config screen display issues for people who have funky font settings, force feedback option that will work with buggy force feedback drivers for some devices, fix for resizing issue when using the mouse. 0.9.2 adds a couple minor fixes and work arounds. I'll update this post and bump the thread when I release new versions. If you run into any bugs or have any suggestions, I'm open to ideas. The knife is good for cutting, sawing, and clamps the hammer is good for hitting key rocks and metal objects and the clamps is for use with also with a tape measure, this set up is terrific for admirers who need to clean or trim things up. Trade Tools cannot be held accountable for delivery times once items have been dispatched.The Sheffield multi Tool set is a terrific substitute to have multiple tools to help you deal with a variety of tasks, the set includes a knife, a saw, a hammer, and a clamps tool. Our preferred courier company is New Zealand Couriers, however, we may have to use other freight companies from time to time based on an items size, configuration or dangerous goods requirements. Most products will be shipped to your nominated address by tracked courier. Rural Delivery / Bulky / Heavy / Dangerous Goods orders may take up to 2-3 days or longer. 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Welcome to MPGH - MultiPlayer Game Hacking, the world's leader in Game Hacks, Game Cheats, Trainers, Combat Arms Hacks & Cheats, Crossfire Hacks & Cheats, WarRock Hacks & Cheats, SoldierFront Hacks & Cheats, Project Blackout Hacks & Cheats, Operation 7 Hacks & Cheats, Blackshot Hacks & Cheats, A.V.A. WhatsApp - which then-Facebook bought in October 2014 for around $22 billion - offered encryption even earlier, in 2012. Also on Tuesday, Musk revealed that Twitter is set to release its own encrypted messaging after an app update. Zuckerberg’s Facebook offered end-to-end encryption with DMs in 2016 - before the chat function was called Messenger and Facebook’s parent company became known as Meta. Musk also said that “coming soon will be voice and video chat from your handle to anyone on this platform, so you can talk to people anywhere in the world without giving them your phone number.” In an effort to enhance Twitter’s in-app communications, users can now also reply to any message in a DM thread - not just the most recent one - and use emojis to react to messages, similar to Apple’s iMessage features. Musk also hasn’t said if Twitter users will have to opt-in to encrypted messaging, or if it will be automatic. It remains unclear if encryption applies to both one-on-one messaging and group chats. “I could not see your DMs even if there was a gun to my head,” Musk wrote. Twitter’s encrypted direct messages (DMs) could be available to users as early as May 10, when a “V1.0” update is scheduled to take place, Musk tweeted on Tuesday. YouTube/HBO “WhatsApp cannot be trusted,” Musk wrote in a retweet of a screenshot where Twitter engineer Foad Dabiri revealed that WhatsApp had been using Dabiri’s microphone multiple times throughout the night. Twitter CEO Elon Musk took a jab at Meta-owned WhatsApp’s privacy concerns on Tuesday, then announced Twitter will be releasing its own encrypted messaging service. a feature that enables only the users in a given chat to read their messages, blocking access even for the company that operates the service. Musk also announced on Tuesday that Twitter would be launching its own encrypted messaging –. WhatsApp also said it “asked Google to investigate and remediate.” In a follow-up tweet, WhatsApp clarified that the app can “only access the mic when a user is making a call or recording a voice note or video - and even then, these communications are protected by end-to-end encryption so WhatsApp cannot hear them.” The Meta-owned app responded to Dabriri’s tweet as well, claiming the issue was “a bug on Android that mis-attributes information in their Privacy Dashboard.” “WhatsApp cannot be trusted,” Musk wrote in his retweet of Dabriri’s screenshot. “when I was asleep,” Dabriri tweeted - through 6:53 a.m. The screenshot showed Dabriri’s microphone was on as early as 4:20 a.m. Musk took a jab at Meta CEO Mark Zuckerberg on Tuesday in response to a screenshot tweeted by Twitter engineer Foad Dabiri, which he claimed revealed that WhatsApp had been using Dabiri’s microphone multiple times throughout the night. Jack White auctions off Tesla Model S after falling out with Elon MuskĮlon Musk slammed Meta’s WhatsApp messaging service over privacy concerns - even as he announced that Twitter will be releasing its own encrypted messaging feature. Stephen King clearly isn’t a fan of Elon Musk’s Twitter rebrand to X ‘X’ logo installed atop Twitter building, spurring San Francisco to investigate permit violationĮlon Musk touts record number of X users as Mark Zuckerberg’s Threads stumbles 1Password - Best Overall Password Manager for FirefoxġPassword is the best password manager for Firefox in 2023 - it’s 100% secure, it’s got a ton of great features, and its Firefox extension worked perfectly in my testing. Comparison of the Best Password Managers for Firefox.Numbers 6-10 of the Best Password Managers for Firefox.Keeper - Excellent security features with an encrypted messenger. 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I only managed to find 10 which were really good - they integrate seamlessly with Firefox, provide high security, are easy to use, and come with additional features.įirefox does have a built-in password manager, but it’s pretty limited - it generates weak passwords (without any special characters), doesn’t fill out web forms accurately, and lacks essential features like password sharing.įirefox Password Manager can’t compete with the third-party password managers on this list, which have extra features like two-factor authentication (2FA), secure password sharing, password security auditing, data breach monitoring, and encrypted file storage. I tested every single password manager on the market to find the best ones for Firefox. Get the best password manager for Firefox here.□ 1Password: Excellent security with good Firefox integration - intuitive browser extension with advanced 2FA, easy password sharing, password security auditing, and a local data storage option.Short on time? Here’s the best password manager for Firefox: Wash the franks down with frozen horchatas or sherry-cobbler slushies ($6 each). Soft serve window at Dominique Ansel Kitchen Photograph: Courtesy Dominique Ansel Kitchenīack for its second season, the pintxos bar's weekend hot-dog window offers Basque-style chistorra sausages ($6) tricked out with garlic aioli and house-made piquillo-pepper mostarda. Speaking of soft serve, the Cronut King reopened his dutch door–turned–ice-cream window for the season, serving flavors ($7) like burrata with balsamic caramel, microbasil and confit strawberry and salt-and-pepper caramel with devil's food cake, Maldon sea salt and a crispy potato gaufrette. And that's not all–for a quick, as-you-stroll dessert, you can also find a new flavor of their vegan Oddfellows soft serve: coconut-lemongrass ice cream with shredded coconut ($6). Opening on August 15, the Nolita seafood spot will debut a Mulberry Street takeout window peddling an off-the-menu poké entrée, featuring tuna, ponzu, peanuts and avocado over steamed rice ($16). That's where these takeout window comes in–time-saving snack bays doling out everything from fluffy, buttery biscuits to burrata soft serve. Summer's quickly flying by, which means you don't always have time for a full sit-down repast in between sunny days at the beach and nights spent toasting the season at one of the city's best rooftop bars. Salt-and-pepper soft serve at Dominique Ansel Kitchen Photograph: Courtesy Dominique Ansel Kitchen |
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