![]() ![]() ![]() If any two symbols around the table match when a card is flipped, those two players are in a “face-off” whoever says an example of something in the category on their opponent’s card takes the card and wins that point. ![]() Gameplay continues with each player flipping another card faceup in front of them, covering the previous card. The categories can be everything from “Rock opera” to “Last name” and are broad enough to lead to debates at the table (“Do sea monkeys really count as pets?”). Each card has one of six colored symbols and a category. How it’s played: Players pick one of the included decks, and each flips a card faceup in front of them. But if you do get bored with this version (or, more likely, once your game group has memorized all of the cards), there are other editions, including Anomia Party and Anomia X, that add all-new card decks while keeping the same gameplay dynamic. Anomia is also replayable because the rounds usually take less than half an hour and there are almost 100 cards that can come up. Yet in practice it develops dramatic tension as cards are flipped, symbols are revealed, and players race to come up with an answer before someone else does. Mechanically, it’s a simple word- and pattern-recognition game. Anomia is firmly in the latter category, and I’ve often worried that my more-competitive friends would lose their voices after playing. Then there are games that are so quick, with such engaging energy, that if you play them too late at night, your neighbors might end up filing a noise complaint. Why we love it: Some games require sharp focus, advance planning, and subtle strategy, and this can lead to a lot of intense, furrowed-brow looks around a silent table. The teams switch off doing this until one team has gained 10 points and wins the game. (To give you an idea, “You think The Phantom Menace is an 85% good movie?!” is something that was furiously yelled the last time I played.) Once they lock in a position, the other team can earn bonus points by betting on whether they’re too far to one side of the target or the other. The other players try to interpret the clue and position the dial’s needle accordingly, which is normally when debates tend to spring up. Next, they give their team a phrase that suggests where on that scale the target is. The psychic gets a secret look at the position of the target and is given a card indicating two ends of a scale (from loud to quiet, good idea to bad idea, and so on). The trick is that they can’t see the target while they move the needle instead, a member of their team acts as the “psychic” who tries to get them to guess the correct position. How it’s played: Players are split into two teams, and each round one team is tasked with moving a dial so that the needle is in the center of a funnel-like target (the closer to the center you get, the more points you score). Whoever collects the most gold (earned mostly by acquiring land) throughout the game wins. This continues for a number of rounds, depending on the number of players. And on their next turn, players pick a new race/power combo to use. As players expand their empires and come into conflict with each other, they eventually run out of useful tiles, which they can then turn over (the game calls this “going into decline.”) The pieces stay on the board and can still accrue points (but they can no longer be used to gain new territory). Once a player picks their characters, they get a set of tiles representing their troops during their turn they use the tiles to take over land on the board. For instance, if you pick up Wizards with a Flying power, you get bonus gold for occupying magic spaces (the Wizards feature), and you can send your troops anywhere on the board (the Flying feature). Each race is paired with a separately shuffled stack of powers, which modify what the troops of that race can do. How it’s played: At the beginning of the game, every player gets to select a fantasy race to control from a shuffled stack. ![]()
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![]() The first app will slide back out to occupy the left half of the screen, while the new app opens on the right half. Step 4: Select a second app from the home screen in the same way you would open an app otherwise. The current app moves to the left side of the screen, and a message appears at the top, prompting you to choose another app. If you're still using iPadOS 15, this may appear as three icons instead, in which case you should select the middle of the three. Step 3: Select Split view from the menu that appears. How to add widgets to your iPhone lock screen on iOS 16 Prime Day brings a massive discount on the iPad Mini If you don't see the Three Dots at the top, that means the app you're using does not support the split-screen multitasking feature. Step 2: Select the Three Dots at the top-center of the screen to open the multitasking menu. Step 1: Start with the home screen and launch the app of your choice. Although Apple also introduced Stage Manager in iPadOS 16, the older - and arguably more useful - Split Screen view remains. When Apple released iPadOS 15, it greatly simplified its multitasking interface, making using the split-screen function more intuitive. ![]() How to split an iPad screen into two windows Split View also usually isn't available for graphically intensive apps like games. Developers have to specifically enable these features for their apps, so you may find them missing on older apps that simply haven't been updated for the latest version of iPadOS. If the controls for Split View or Slide Over don't seem to work in a given app, that's not a bug. ![]() ![]() ![]() Select the sensor type you wish to connect to and enter the appropriate information. Open the configuration dialog box and click on the Add Sensor button. This is a two- to three-step process: first, you may need to uninstall a previous version then you install Logger Pro 3.14. Select Next when asked to choose the location of the application files. Make sure to choose a flair for your username! Teachers can PM us with proof (e.g. Run the setup wizard and accept all the defaults. Flair your posts (not enforced but encouraged).Enter values manually from existing data tables or import data. Collect data from a variety of sources, including LabQuest, LabQuest Mini, LabPro, WDSS, spectrometers, GPS, Ohaus balances, ProScope HR, and more. John the Ripper offers password cracking for a variety of different password types. ![]() No advocacy/discussion of collusion, academic dishonesty, or other objectionable content. Features: -Supports over 70 Vernier sensors for real-time graphing and analysis. John the Ripper is a well-known free open-source password cracking tool for Linux, Unix and Mac OS X.We will update this area when there are some AMAs. Note that the subreddit is not run by the International Baccalaureate. This subreddit encourages questions, constructive feedback, and the sharing of knowledge and resources among IB students, alumni, and teachers. This subreddit is for all things concerning the International Baccalaureate, an academic credential accorded to secondary students from around the world after two vigorous years of study, culminating in challenging exams. ![]() ![]() ![]() In the large maternity colonies of Mexican free-tails, the mother must find her own pup among the thousands. The warm conditions are essential for rapid growth and survival. Babies roost in the highest reaches of the cave, where temperatures are the warmest. Young Mexican free-tailed bats roost separately from their mothers. If a baby falls to the cave floor the mother will not come to its rescue giving predators a chance for a quick meal.Ī single free-tail baby bat is born during the summer. Snakes, raccoons, house cats, owls, and other predators sometimes manage to gain access to the roosts. ![]() In those colonies it is estimated that 250 tons of insects can be consumed every night. Some roosts are known to contain millions of bats. These bats are not currently threatened or endangered.įree-tail bats consume enormous amounts of moths and other insects. Mexican free-tails are found in the western United States, south through Mexico, Central America and into northern South America. The water attracts the insects they eat, as well as allowing them the opportunity to drink. Mexican free-tails prefer to roost in caves, but will also choose attics, under bridges, or in abandoned buildings. Please contact the Bat Conservation Trust if bats are in your living space.Most of these bats migrate south to Central America and Mexico during the winter. Bats and their roosts are legally protected and it's important to know whether a bat is an adult or juvenile. If you often find bats in your house, especially baby bats, then they might be roosting in your roof. Don’t try to catch a bat that’s flying, as this will put both you and the bat at risk.īat roost in your house If you’re worried about a bat roost in your house, or you think you’ve accidentally disturbed a bat roost, please contact the Bat Conservation Trust for detailed advice. If the bat isn’t flying, or it’s during the day, contact the Bat Conservation Trust on 0345 1300 228 for advice on what to do if a bat has entered your living area. Remember to check that the bat has left and isn't hiding behind furniture or curtains. Finally, dim the lights and the bat should make its own way out of the room. Move anything that might block the bat’s way out the window, such as the curtains. Close the door to contain the bat in one room, then open all the windows as widely as you can. If the bat is flying around your house and it’s night time, then keep the room calm and quiet to stop the bat from becoming stressed. Being in a cat's mouth can cause injuries that we can’t see, so even if the bat seems fine, it will still need treatment by a vet or bat carer as a precaution. If you think you might have been bitten or scratched by a bat, follow the Bat Conservation Trust's advice as bats can carry diseases that can pass to humans.Ĭat has caught a bat If a bat has been caught by a cat, then it should always be treated as if it's injured. You should avoid touching or handling bats unless it's absolutely essential, and always wear thick gloves if you do need to handle them. They will tell you how you can help the bat, and how to handle and transport a bat safely. Instead, contact the Bat Conservation Trust on their website or by calling their helpline on 0345 1300 228. Bats need highly specialised care, so please don't try to look after a sick or injured bat yourself. ![]() They may be sick or injured too, so sometimes they will need to be checked by a vet or bat carer before they can be released. Bats can't take off from the ground, so they’ll need help. ![]() ![]() ![]() Standard & Poor's ® and S&P ® are registered trademarks of Standard & Poor's Financial Services LLC ("S&P") Dow Jones ® is a registered trademark of Dow Jones Trademark Holdings LLC ("Dow Jones"). The "S&P 500 ® Index" is a product of S&P Dow Jones Indices LLC or its affiliates ("SPDJI"), and has been licensed for use by Charles Schwab & Co., Inc. SIDCO is not affiliated with Charles Schwab & Co., Inc. ![]() Schwab ETFs are distributed by SEI Investments Distribution Co. Unlike mutual funds, shares of ETFs are not individually redeemable directly with the ETF. Investment returns will fluctuate and are subject to market volatility, so that an investor’s shares, when redeemed or sold, may be worth more or less than their original cost. Please read the prospectus carefully before investing. You can request a prospectus by calling 80. ![]() Investors should consider carefully information contained in the prospectus, including investment objectives, risks, charges, and expenses. If that's your primary goal, you might want to consider opening a trust account, which can offer you more flexibility, control, and protection than any other type of account What if I want to transfer a significant amount of wealth to a child? Talk to your tax advisor to find out if it might be right for you. If your primary goal is to offer funds for college, you might want to consider a 529 College Savings Plan or an Education Savings Account, which have specific tax advantages for saving for college. Is a custodial account the best way to set up a college fund? You can use your account number to log in to and manage your account. We'll send you your account number as soon as your application is completed and approved. It's quick and easy to open a Schwab One Custodial Account online, or you can always call 86 for assistance. If you have a question about your specific situation that is not answered here, please call us at 86. Have questions about our Schwab One Custodial Account? Here are responses to some of the most common questions we hear. Environmental, Social and Governance (ESG) Investing.Bond Funds, Bond ETFs, and Preferred Securities.ADRs, Foreign Ordinaries & Canadian Stocks.Environmental, Social and Governance (ESG) ETFs.Environmental, Social and Governance (ESG) Mutual Funds.Benefits and Considerations of Mutual Funds. ![]() ![]() ![]() Made of stainless steel and glass, these lights stood up to our durability testing, with no damage to the glass or solar panels. ![]() We love how versatile this set is-you can place them on a table, on a garden hook, mount them to the wall, or carry them around by their handles when you need extra light. You get a two-pack of preassembled lanterns that include wall brackets and screws (no tools included). If you are looking for wall-mountable lantern-style lights, this option from Home Zone is the perfect choice. However, if you are looking for durable, bright lights with useful features, you can’t go wrong with this pick.ĭimensions: 11.81 x 5.43 x 4.33 inches | Lumens: Not listed | Power Source: Solar panel and 2200 mAh rechargeable battery | Charging time: 1-2 days first use, up to 8 hours on cloudy days | Operating time: 6-12 hours depending on setting | Lights in sets: 2 | Weather Resistance Rating: IP68 | Color Temperature: 6500K And they are more cool-toned (6500K) than we'd prefer for a home. However, they are not particularly stylish. These spotlights feature 30 LED light chips, which help illuminate your pathway or yard easily, stand up to the elements, and are noted by the manufacturer to have a 40,000-hour lifespan. After each test, the lights still worked just as well as before! We also dropped a golf ball on their solar light panel from a distance of 6 feet, and they still held up. Since the manufacturer claims these lights have the highest waterproof rating and are frost-resistant, we sprinkled water on them, then froze them for over an hour. We were impressed at how these lights held up during our durability tests. (It did, however, take us a few minutes at first to figure out how to trigger them.) Easy to put together (just two pieces), this two-pack of lights can either be staked into the ground (the method we tested) or mounted onto a wall with the included hardware. The three modes that operate from dusk until dawn-dim light/high light when motion is detected no light/high light when motion is detected or medium light/constantly on-give you options to suit your lighting needs and are simple to use. Our top pick, AloftSun Motion Sensor Solar Landscape Spotlights, withstood all of our durability tests, are easy to use, and are bright enough to read by! These spotlights can detect motion from as much as 33 feet away, depending on the setting. We even video-recorded them overnight to make sure they truly stayed on from dusk until dawn! To test wall-mounted lights, we tested and installed 18 options in our own homes. And then we went beyond: We froze them, read under them, and dropped golf balls on their solar panels. After assembling and charging them in sunlight for the time specified by the manufacturer's instructions, we evaluated their assembly, brightness, features, design, value, and durability. ![]() Over the course of several days, we tested 27 different solar lights at our Lab in Des Moines, Iowa, including path lights, spotlights, lanterns, wall-mounted, and string lights. Will they be a tripping hazard? Are you able to install them into your pavement or garden?" "Does the light need to be direct or spread out? The height of your solar lights is also important. "How much brightness do you need?" she recommends asking yourself. But it's important to consider the placement and purpose of outdoor solar lights, says Sheva Knopfler, Co-Founder and Creative Director of, a well-known online retailer of all kinds of lights and lightbulbs. They tend to be budget-friendly and easy to install, and you can place them exactly where you want them because they don't require plug-in power sources. Outdoor lights using solar energy are the perfect landscape lighting solution. ![]() The Spruce Home Improvement Review Board. ![]() ![]() ![]() ![]() There’s one important caveat here: Certain features like product tagging, cross-posting to Facebook, and boosting posts will not be available for scheduled content. Scheduled posts can be found in the “Scheduled posts” section in the drop-down menu for professional accounts. Once scheduled, you can edit, reschedule, or delete posts at any point. There, you’ll find the “Schedule” option, and you can select a time and date for your content to go live. Once it’s ready, click on “Advanced settings” on the last slide before publication. To use this feature, open the Instagram app and create a post or Reel. In order to account for that, Instagram just recently released a new tool allowing Business and Creator accounts to schedule Reels, photos, and carousel posts as far as 75 days in advance directly from the Instagram app. Some users, however, prefer to work entirely within Instagram’s mobile app. Instagram launches native content schedulingĮarlier this year, Instagram launched native post scheduling on desktop. Use sound as an ad enhancer, but remember that your ads have to be comprehensible to users who browse Facebook with the sound off on their device.Emphasize the “newness” of your offering to attract more attention.Create mobile-optimized ads for 1.9x more ROI (think vertical images and videos).Display a visible brand logo in your creatives to increase your ROI by 5x, ideally within the first two seconds of the ad.Use Facebook’s automatic ad placements 8 or more placements is 3x more effective than campaigns with only 1-3 placements. ![]()
![]() At least until we can get the “frizzy hair scale” calibrated for humidity. You can also use this tool to calculate air temperature and dew point. The RH calculator will display the relative humidity as 44.48. Type the dew point temperature as 70 ☏ (21.1 ☌). The tool has an inbuilt temperature conversion option that allows you to input the temperature in other units. So the next time you’re looking at a forecast trying to figure out if tomorrow will be humid or comfortable, skip the relative humidity and look at the dew point. Enter the air temperature as 95 ☏ (35 ☌). The above quasi-scientific scale would not apply to residents of Florida (of course their cold weather scale starts at 50°). Here’s a quick guide to dew points and what the numbers mean to you.ĭew point below 55° = Very comfortable, you don’t even notice the humidity.ĭew point of 55° to 60° = Pretty comfortably but you notice a touch of humidityĭew point of 60° to 65° = Starting to feel humid but not too bad.ĭew point of 65° to 70° = Now we’re feeling humidĭew point above 70° = Wow it’s humid, let’s get inside, I need to towel off my forehead.Įverybody had a different tolerance for humidity. Since we can never have more than 100% humidity, dew point will never exceed the air temperature. But as you now know a dew point of 90° with an air temperature of 90° is also at 100% relative humidity but with a lot more water! Fortunately for us our dew point almost never exceeds 80° in Milwaukee. So a dew point of 60° with an air temperature of 60° is at 100% relative humidity. The dew point is what the air temperature would have to be for relative humidity to be at 100%. The Dew Point temperature is always lower than the Dry Bulb temperature and will be identical with 100 relative humidity (the air is at the saturation line). So how do we measure if a day is going to be humid or not? We do it with dew point temperature which we shorten to dew point. It’s the same amount of water in the same volume of air, but since the humidity is relative to the temperature (and pressure which we did not change) the relative humidity is very different. ![]() of water would only bring the relative humidity to 35%. But what if we raise the temperature to 90°? At this temperature the same box of air can hold about 31 ml. to the box would raise the relative humidity to 100%. At 60° that box can hold about 11 grams or 11 ml. But how much water the air in the box can hold all depends on the temperature. If you spill a bit of water into the box the air inside would eventually make the water evaporate until it’s all gone. Let’s say you have a box of air about 3ft. Dew point on the other hand almost never fails. ![]() But that first word, "relative" is important to the term since it tells us why it won’t always indicate how humid it feels outside. In fact my high school football coach would call me Zollitsch and then proceed to call me things I cannot mention in a family friendly blog. People I know call me Zollitsch all the time. We always seem to drop the first name of “relative humidity” to just plain old “humidity”. ![]() ![]() ![]() Use Compare Insurance to quickly and easily compare a wide variety of medical insurance plans and its benefits. When choosing a medical insurance plan – be sure you think about what you are expecting from the plan, if you know you are going to have a claim often prepare your budget for the co-payments too.īe sure to compare plans, benefits and copayments as you might just realise it might work out better financially for you to commit to a higher plan with lower excess or co-payments. This is making health insurance more accessible to individuals. Co-payments are making health insurance premiums a bit more affordable per month or per year and now people can have medical insurance at a cheaper rate but with bigger co-payments in the case of claiming. Health care is becoming more expensive and medical insurance is fast becoming a basic necessity. In some cases, if you claim for a pre-existing condition you might need to pay a co-payment.When you visit a clinic or a hospital you might need to pay a co-payment.When you visit a hospital that is not in the network stipulated in your policy.Some of the standard types of co-payments: Co-payment for a general doctor’s visit would be cheaper than the co-payment to go see a specialist. ![]() Co-payments would vary from policy to policy and for the different services too. Doctor visitsĭepending on your policy you might need to pay copayments for doctor visits, prescription drugs and specialist services. Some insurers call the co-payment “excess” and this can be a specific amount or a percentage of the claim. Put simply, the policyholder is the person or entity that has purchased the policy and has the authority to exercise the rights stated in the insurance policy contract-including the right to control the policy.A copayment is simply a fixed rate you have to pay to your insurer out of your own pocket in order to claim for the covered service you are claiming for. These include the provision of all and accurate information for underwriting purposes, honoring the agreed specific terms, and paying the required premiums. But in most cases like with automobile and home insurance, the policyholder is also the insured.Īs an entity signing a contract, the policyholder has several obligations to the insurer. ![]() Policyholders are typically related to the insured in some way-they can be their relative, a partnership, or-in the example above- a corporation that they are involved with. In this case, she is the policyholder and the beneficiary, but not the insured. Depending on the contract, the policyholder may be the holder or controller of the policy while the insured is a different party.įor instance, a business owner could purchase a life insurance policy on the life of her business partner and name herself as the beneficiary. The policyholder is often also the insured but that does not always have to be the case. One of these parties is the insurance company (the insurer) and the other is the policyholder (the client) who purchases, pays for, and agrees to the terms and protections outlined in the policy documents. As part of meeting the requirements of a legally enforceable contract, there needs to be at least two entities that are party to the contract or agreement. Policyholders are also sometimes referred to as policy owners.Īn insurance policy is at its core a legal contract. This person will also have the power to request changes to the policy from the insurer. There can also be situations where there is more than one policyholder but even in those unique situations, there is one “named policyholder” or “named insured” who is responsible for leading the policy. The same can be said of life insurance policies where there are multiple beneficiaries. They are not policyholders since they do not control the policy, but they are still entitled to the protections it offers. If you live with your family, they are also considered insureds under the policy. This party is often, but not always, the insured and may or may not be one of the policy’s beneficiaries.įor example, if you purchase a home insurance policy under your own name, then you are both the policyholder and one of the insureds as you are protected by all the policy terms outlined in the contract. ![]() The policyholder is a person or entity who owns or controls an insurance policy and has the privilege to exercise the rights outlined in the contract. A policyholder is a person or entity whose name appears on the records of the insurance firm. ![]() ![]() ![]() We service in Southeast Wisconsin & Northeast Illinois including Pewaukee, Waukesha, Delafield, Pleasant Prairie, Racine, Kenosha, the Rock County Lake in Wisconsin and McHenry County in Illinois. Our team at Schmidt Contracting aims for perfection in our workmanship, and we customize to your specific needs because no gutter job is the same. When you need new gutter covers installed or your old ones repaired or replaced, you want a quality job done by professionals. Free Estimate from SE Wisconsin's Top RainDrop Gutter Guard Installers Trust the installation experts at Schmidt Contracting for pristine installation every time. Specialty gutters for homes such as European or Victorian ogee offer a more elegant, distinctive look. ![]() Gutter materials such as copper or zinc can require a higher upfront investment. Most homeowners select budget-friendly white aluminum or vinyl options. Don’t be duped by other competitors who weave additional service costs into the price for truly clog-free gutters. DIY Plumbing Types of Gutters The right gutters can protect your home from water damage. They will help your gutters never clog and save you from the hassle of cleaning them. Rather than spending time and money on maintenance, your RainDrop Gutter Guard pays for itself. Whether you have an asphalt, cedar shake, metal, slate, or tile roofing system, RainDrop is easy to install. From the ground, they’re nearly invisible. Accessories Raindrop Gutter Guards Gutter Guards: We believe that a gutter system is not complete without a gutter guard. Flex-Drain 54021 Flexible/Expandable Landscaping Drain Pipe, Solid, 4-Inch by 8-Feet. Our Work Learn More Patio Cover Installation We offer Alumawood patio cover installation in the Inland Empire Area. Raindrop Gutter & Patios specializes in seamless copper and aluminum rain gutter installations. Every aspect of the RainDrop Gutter Guard is essential in its goal to provide a. Raindrop Gutters & Patios has been rated as a top pro for rain gutter installation in Moreno Valley and surrounding areas. Flawless design: These gutter guards have clean lines, a low profile, and dark color to blend into your home. plusgutter Black-2pack Rain Gutter Downspout Extensions Flexible, Drain Downspout Extender,Down Spout Drain Extender, Gutter Connector Rainwater Drainage,Extendable from 21 to 60 Inches. RainDrop provides gutter protection like no other gutter guard available.Arched ribs then direct water into the gutter. Easy maintenance: RainDrop guards are installed at a pitch with a forward sloping design to move debris over and off.It’s also resistant to mold, mildew and salt spray. RainDrop® Gutter Guard products are designed to be as efficient, durable, long-lasting and maintenance free as possible. Durability: The polypropylene material can withstand damage and impact because it bends and bounces back unlike aluminum, steel or copper guards. ![]() Heat absoption: RainDrop Gutter Guards are made with resilient material and UV stabilizers that quickly soak in heat from the sun to melt snow/ice and keep water flowing.These guards offer the best protection with features like: Gutter covers from RainDrop are designed with a polypropylene material for strength and long-lasting function. ![]() |
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