They are both still on track to retire on their original schedules (i.e. After 10 years of saving (with a 4% inflation-adjusted return), Annie will have accumulated $600,305 while Bobby will have $120,061. With a 4% real rate of return and no changes in their income/savings rates over time, Annie will be able to retire in 18 years while Bobby will take 59 years. If we also assume that each investor needs 25x of their annual spending to retire comfortably, then Annie requires $1.25M, while Bobby will require $2.25M to retire. lifestyle maintenance), then Annie will require less money to retire than Bobby. If we assume that Annie and Bobby both want to spend the same amount of money in retirement as they did while working (i.e. By definition, this means that Annie spends $50,000 and Bobby spends $90,000 a year. Annie saves 50% of her after-tax income ($50,000) each year, while Bobby only saves 10% ($10,000). Both of them earn the same after-tax income of $100,000 a year, however, they save different amounts annually. To start, let’s imagine two different investors: Annie and Bobby. Why High Savers Need to Save More of Their Raises Argue why saving 50% of your future raises is the sweet spot.Quantify how much of your future raise you should save (based on your current savings rate).Explain why those with higher savings rates need to save a larger percentage of their future raises.More importantly, I’ve found that people with higher savings rates need to save a larger percentage of their future raises than people with lower savings rates, all else equal. It might seem odd that earning extra money could force you to delay your retirement, but it all depends on how much of that extra money you spend. Once you spend more than 50% of your future raises, then you start delaying your retirement. Where is that limit? Technically, it varies based on your savings rate (we’ll get into that later), but, for most people, the limit is around 50%. However, there is a limit to how much your spending can increase before it begins to affect your financial future. After all, what’s the point of working so hard if you can’t enjoy the fruits of your labor? In fact, I believe that some lifestyle creep can be very satisfying. So that new raise quickly becomes a fancy new object or an expensive new habit, and, before you know it, your raise is gone.įor this reason, many personal finance experts will tell you to avoid lifestyle creep at all costs. Lifestyle creep is when someone increases their spending after experiencing an increase in income. No matter what you decide to do with your newfound cash, you’ve just fallen victim to lifestyle creep. After all, you’ve worked hard and you deserve something nice, right? Maybe you want a new luxury car? A better place to live? Or, maybe, you just want to dine out more often? Imagine that you just received a raise at work and are tempted to go out and celebrate.
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Therefore if you want to swap it for plain or all purpose flour, you will need to add some additional baking powder and also a little salt if you like. Self raising flour, which is very commonly used in the UK where I am based, already contains a raising agent and a little salt too. Can you make this recipe with plain/all purpose flour? Remove the cling film when you take them out to defrost, if you don’t it could damage the decoration as it defrosts and softens. To do this and avoid damage to the decoration, freeze them either in an airtight container, or let them freeze solid on a cake board or plate, then wrap in cling film. You can freeze the cream cheese frosting on it’s own in a tub, or you can decorate the cupcakes and freeze them assembled. Once the cupcakes are fully cool, wrap them well with cling film or put them in an airtight container. You can freeze the cupcakes either alone, or decorated (but do not freeze the carrot decorations). The cupcakes should be stored in an airtight container in the fridge and will last for 3-4 days. How should the cupcakes be stored and can they be frozen? Be careful not to over mix as that can make it sloppy. Once that is smooth, mix in the cream cheese and vanilla extract until it's just mixed in. Finally, stir in the chopped pecans.ĭivide the mixture between the cupcake cases and bake them for 25 minutes.įor the cream cheese frosting, beat the butter with an electric mixer until smooth, then mix in the icing sugar. and mix them in.Īdd the self raising flour, wholemeal flour, mixed spice, cinnamon, baking powder and bicarbonate of soda, and mix them in. Add the grated carrot and the raisin and orange juice mixture. Then mix together the eggs, vegetable oil and light brown sugar. To make the cupcakes start by soaking the raisins in the orange juice, set them aside whilte you prepare the other ingredients. Again this will ensure accuracy and provide the best results.įor the full recipe with measurements, head to the recipe card at the end of this post. For teaspoon (tsp) and tablespoon (tbsp) measurements, please use measuring spoons* and not the type of spoons you eat with.Digital scales are very low cost and can be purchased for around £12 ($16.50). It is the most accurate way to measure ingredients and will ensure the best results. Although I provide cup measurements, I highly recommend weighing your ingredients out using digital kitchen scales*.I prefer to use Philadelphia full fat cream cheese for the buttercream as it gives me the best results.Or try 1 + ¼ tsp cinnamon, ¼ tsp ground ginger, ¼ tsp ground nutmeg, ¼ tsp ground cloves. If you can't get hold of it, you can use a Pumpkin Spice mix instead. Mixed spice is a British spice blend usually containing cinnamon, coriander seed, nutmeg, clove, pimento and ginger.The raisins are optional too, you can leave them out or replace them with dried cramberries, sultanas or even chopped up dried apricots.The pecans are optional, you could omit them entirely, or use another nut like walnuts.Make sure all your ingredients (particularly the eggs) are at room temperature before you start baking.I love to put raisins and pecans in my carrot cake, but this part of the recipe is very flexible so if you don't like them or prefer walnuts instead, it's easy to adapt it. It can be hard in the UK to get cream cheese frosting to work, but this recipe is the sure fire way to make it work. I absolutely love carrot cake, and the best bit of course is the cream cheese frosting! These Carrot Cake Cupcakes are perfectly sized portions of deliciously spiced and moist carrot cake, topped with the most divine cream cheese frosting that's also super thick and pipeable. Jump to Recipe Jump to Video Print Recipe Twitch Drops will be enabled for this stream, allowing you to earn 1 Festival of Legends Pack for watching! Make sure you link your Twitch and accounts for your watch time to award drops. In addition to Twitch Drops, 120 Mega Bundle Pre-Purchase codes will be given away across both days. Watch on the official Hearthstone Twitch channel, on April 6 and April 7, from 10:00 a.m. Use interactive voting to cheer your favorite act in a bracket-style tournament, until just one class/genre remains! You, too, can get your ticket to the show with the Festival of Legends Live on Twitch! Each of the 11 classes is performing an animated musical set in their genre. Twitch Drops will be enabled category wide during the theorycrafting streams, so you can watch whichever Hearthstone stream you’d like to earn up to 2 Festival of Legends Packs! Just make sure you link your Twitch and accounts for your watch time to award drops. In addition to category-wide Twitch Drops, players participating in the theorycrafting event have been given Pre-Purchase Mega Bundle codes to give away to their respective audiences during the theorycrafting event! Invited players will be streaming their participation on their own personal streams, so make sure that you’re following your favorite Hearthstone content creators and tune in when they go live! APAC players will play on April 6, 2:00 a.m.Americas/EMEA players will pick one of two time slots on April 5, 9:00 a.m.Make sure you show up early and link your Twitch and accounts for your watch time to award drops so you don’t miss the opening act! Community Theorycrafting Streams – April 5-6Īfter all the cards have been revealed, join your favorite content creators as they rock the first jam sessions of the Festival of Legends! All participants will need to include 10 or more Festival of Legends cards in their decks (that can be 10 individual cards, 5 duplicates, or anything in between). Twitch Drops will be enabled for this reveal stream, you can earn up to 2 Festival of Legends Packs for watching. (PT) to watch RegisKillbin, Game Designer Leo Robles Gonzalez, and Senior Game Designer Cora Georgiou reveal the last cards of the Festival of Legends and discuss how they orchestrated this expansion to hit all the right notes. The countdown begins with the Card Reveal Stream on March 30! Tune in to the official Hearthstone Twitch channel, starting at 10:00 a.m. There are plenty of ways for you to enjoy the pre-expansion festivities to close out this reveal season, including card reveals, theorycrafting, live music, and tons of drops! Card Reveal Stream – March 30 We have a legendary lineup this year as we prepare for the launch of Festival of Legends, just weeks away! The musicians are locking in their setlists, tuning their instruments, and practicing their choreography before the big day. It all but confirms the April 11 release date we suspected since the beginning, which curiously enough still wasn’t announced. During that, you can create your own, private Fireside Gathering to open your pre-order packs and play some special Tavern Brawls early. If you add all of the Twitch drops up, you can earn up to 5 extra Festival of Legends packs for free before the expansion’s release.Īnd finally, pre-release weekend will start on April 8 and last until April 10. You can get one more Festival of Legends pack for tuning in and Blizzard will also give away 120 Mega Pre-purchase Bundle codes codes across two days. On April 6 & 7, Blizzard will stream Festival of Legends Live(ish), with each class performing their respective musical genre in animated style. Twitch drops will be once again available over that period, for up to 2 free Festival of Legends packs in total.īut that’s not all. Just like always, special deck-building restrictions will be in place – players will need to use at least 10 Festival of Legends cards. Then, on April 5 & 6, we’ll have community theorycrafting streams. Twitch drops will be active – you can earn up to 2 Festival of Legends packs for watching. It’s always fun to watch some of the cards in action before expansion releases and hear from the devs. It’s a welcome change compared to the last couple of reveal seasons where we had no final reveal stream. On March 30, Hearthstone devs Cora Georgiou and Leo Robles Gonzalez will be joined by RegisKillbin to reveal the final 20 cards, give or take. Most of them are missing a couple of cards, but we weren’t sure how they’re going to get revealed. However with only two more packages left on the schedule – both from Warlock – some people have been asking about the rest of cards for other classes. Card reveal season for Festival of Legends is almost over. However, compared to previous solar-powered flights from PMRF, HP03-2 was. Some specs: weight without pilot of 68 lb (31 kg), 71 ft.(21.64 meters) wingspan, and 541W of solar panels powered an Astro-40 electric motor. The aircraft design used wing dihedral, engine power, elevator control surfaces. Helios series of solar powered aircraft Figure 6. The Gossamer Penguin was inspired by another plane, the Gossamer Albatross II. utility solar powered aircraft in the world is the Zephyr small-load (2.72kg) solar UAV 9, 10 which was developed. They were built to develop the technologies that would allow long-term. Gossamer Penguin was a solar-powered aircraft designed by Paul MacCready, who’s the founder of Aerovironment. developed the vehicles under NASA's Environmental Research Aircraft and Sensor Technology (ERAST) program. The Helios Prototype aircraft was a proof-of-concept solar electric-powered flying wing designed to operate at high altitudes for long duration flight. 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Template:Infobox aircraft type The Helios Prototype was the fourth and final aircraft developed as part of an evolutionary series of solar- and fuel-cell-system-powered unmanned aerial vehicles. The Helios Prototype flying wing is shown near the Hawaiian islands of Niihau and Lehua during its first test flight on solar power from the U.S. Users just need to click the "search" button to get them. Converted files can be found in the history folder. After the conversion, users can freely play Spotify music on any device for offline listening. In the process of conversion, AudFree Spotify Music Converter will automatically preserve 100% original ID3 tags and metadata info of Spotify songs. While NoteBurner Spotify Music Converter allows users to personalize output file name, output folder, conversion mode (including Intelligent Mode, Spotify Record or YouTube Download) as well as output quality from 128 kbps to 320 kbps. Users of AudFree Spotify music downloader can customize other output parameters, like bit rate, sample rate, audio channel, etc. In addition, a free AudFree Spotify music downloader is provided for users to try with its trial version. It only costs 29.95 dollars, while NoteBurner playlist converter costs 39.95 dollars, which is much higher than AudFree software.Ĭonclusion: As a Spotify playlist converter both for Windows and Mac, AudFree software is compatible with more Mac versions at a lower price. Most of all, the price of AudFree Spotify playlist converter varies greatly from NoteBurner Spotify playlist converter. The same system and hardware requirements of the two Spotify music downloaders lie in that they are both equipped with a processor of 1G Hz or above, RAM of 512MB or higher and monitor with 1024x768 pixels or higher resolution. AudFree Spotify Music Converter is available for both Windows (Windows XP, Vista, 7, 8, 10 (32-bit & 64-bit)) and Mac operating system (Mac OSX 10.8, 10.9, 10.10, 10.11, 10.12, 10.13, 10.14, 10.15), while NoteBurner Spotify Music Converter is compatible with most of the above systems except Mac OS X 10.8. Finally, jump onto the final air conditioner unit and you'll notice a black wire which extends from the air conditioner to the building opposite of the air conditioner. The second jump is slightly tricky, while still standing on the first air conditioner, put a slight distance between you and second air conditioner and jump for it (if you fall off just keep trying). Climb on top of the boxes and then jump onto the first air conditioner.
Get tested for COVID-19 if you are sick.Get your COVID-19 vaccines, as recommended.That means you can still take the following actions to protect yourself and others from infection: What can you do to protect yourself and others as we learn more?Īt this time, we don’t know how well this variant spreads, but we know that it spreads in the same way as other variants. If licensed/authorized by the FDA and recommended by the CDC, updated vaccines will be available as early as mid-September at your local pharmacy or doctor’s office. CDC remains committed to releasing updates on trends and observations of this variant. That assessment may change as additional scientific data are developed. There is currently no evidence that this variant is causing more severe illness. Immune responses generated from prior infection also help protect against severe outcomes of COVID-19. These other parts of the immune system have been less affected by viral evolution and are not predicted to have decreased activity against BA.2.86.ĬDC’s current assessment is that the updated COVID-19 vaccine, which will be available in mid-September, will likely be effective at reducing severe disease and hospitalization. Along with antibodies, other parts of the immune system have important roles in protecting people from the most severe outcomes of COVID-19. Tests of how well antibodies block the virus from infecting cells give us one measure of how well one part of the immune system might handle BA.2.86. Scientists are evaluating how previous immunity from vaccinations or past infections protect against this new variant. Current Risk Assessmentīased on current information, existing tests used to detect and medications used to treat COVID-19 continue to be effective with this variant. This variant is notable because it has multiple genetic differences compared to previous versions of SARS-CoV-2 and it has been detected in several locations within a short amount of time. Over the last few weeks, a new variant called BA.2.86 has been detected in a small number of samples from infected people and waste (sewer) water in several countries, including the United States. SARS-CoV-2 viruses with significant genetic changes are called “variants.” A new variant that is very different than previous variants could behave differently, with potential changes in contagiousness or how well it responds to treatment. Viruses, including the virus that causes COVID-19 (SARS-CoV-2), change over time. The current increases in cases and hospitalizations in the United States are likely being driven by infections with XBB lineage viruses, not the new BA.2.86 variant.
Our analysis focused on active-duty personnel and sought to evaluate the benefits and costs to service members of FSAs for dependent care and health care and the costs and savings to DoD. The Office of the Secretary of Defense (OSD) asked the RAND National Defense Research Institute to provide analytic support for its report to Congress, including an implementation plan should FSA options be implemented by DoD. Thus, a priori, it is not possible to predict whether FSAs would represent a net benefit to service members and their families in terms of reduced tax liabilities or a net reduction in costs to DoD. Department of Defense (DoD), FSAs reduce Federal Income Contribution Act (FICA) taxes that consist of both Social Security and Medicare taxes but impart a cost in the form of administration costs and implementation or start-up costs. From the standpoint of the employer, such as the U.S. tax code, potentially reducing or even eliminating the potential tax savings to individuals with an FSA. FSAs interact with other tax incentives in the U.S. As detailed by the directive, the report should include an assessment of the tax incentives when using FSA options and the financial advantages or disadvantages to service members and their families and should include identification of any legislative or administrative barriers to implementing these options.Ĭontributions to either a health care FSA (HCFSA) and/or dependent care FSA (DCFSA) reduces the amount of income subject to income and payroll taxes, thereby reducing the individual's tax liability. House of Representatives Report 116-617, 2020). The House Armed Services Committee Report accompanying the National Defense Authorization Act for fiscal year 2021 directed the Secretary of Defense to report on the feasibility of implementing flexible account options that allow pre-tax payment of dependent care expenses, health and dental insurance premiums, and out-of-pocket health care expenses for service members and their families ( U.S. Unlike many large employers, including the federal government, the military does not offer flexible spending account (FSA) options to members of the armed services and their families. They also identified legislative or administrative barriers to these options. Department of Defense (DoD), and present an implementation plan should FSA options be implemented by DoD. The authors evaluate the benefits and costs of FSA options to active members and the U.S. This study presents an analysis-requested by the Office of the Secretary of Defense as input for Congress-on the implications of FSA options for active-duty service members and their families that would allow pre-tax payment of dependent care expenses, insurance premiums, and out-of-pocket medical expenses. For example, in the case of health care, most members would have few or no eligible out-of-pocket medical care costs associated with TRICARE. For service members to take advantage of an FSA, they must have eligible dependent care and medical expenses for themselves or their family members. tax code, potentially reducing or even eliminating the potential tax savings to individuals participating in an FSA. Contributions to either a health care FSA (HCFSA) and/or dependent care FSA (DCFSA) reduce the amount of income subject to income and payroll taxes, thereby reducing the individual's tax liability. military does not offer flexible spending account (FSA) options to members of the armed services and their families. Also available are butters, jams, jellies, baked goods, and fresh goodies from The Hive. Located at Historic Greenbrier Farms, seasonally offering U-pick flowers, pumpkins, peaches, and more. Monday - Saturday, 9:00 am - 6:00 pm Sunday, Closed.225 Sign Pine Road, Chesapeake, VA 23322.Country Store carries fruits, berries, baked goods, eggs, dairy, produce, and more. U-pick strawberries, peaches, blackberries, nectarines, and pumpkins.2201 Mount Pleasant Road, Chesapeake, VA 23322.Local vegetables, fruits, pumpkins, plants, eggs, jams, butters, salsas, and more.Battlefield Boulevard, Chesapeake, VA 23322 Kids play area and farm animal petting area. Learn how your farm or farmers market can get set up to accept SNAP (food stamps). U-pick strawberries, pumpkins, and sunflowers. Accepting SNAP at your farmers market or farm can bring new customers.Fresh local produce, jams, jellies, pickles, and baked goods. Battlefield Boulevard, Chesapeake, VA 23320
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