The jewelers are all incredibly talented at helping pinpoint what you are looking for in a piece of jewelry and provide lots of options and examples of what the finished piece might look like. Tony was so attentive and helpful in listening to my fiancé's ideas and using the images he uploaded to craft a truly unique piece of jewelry. We were able to work with Tony both online and in person to bring my fiancé's dream ring to life. My fiancé and I had such an enjoyable, personal, and stress-free time designing his wedding band. Santa Barbara, CA - May 2018 - Yelp I cannot recommend Joseph Jewelry more highly. Overall, I would highly recommend the Joseph Jewelry team!Įlaine P. I appreciated the team's excitement about designing both rings together, and as someone who struggles to be decisive, I enjoyed the process much more than I expected. The design team was very patient with our repeated minor tweaks, and they were great at refining the design (eg at one point I thought the prongs looked "too antler-y" and they understood what I meant and changed the design perfectly). occasionally we'd take nearly week to respond to questions or updates mockups), so I think it could have been faster if we'd wanted. From our initial meeting to having the rings in hand was rough 4-5 months, which was perfect for us and mostly based on our laidback response timeline during the design process (e.g. After sketching up some initial designs for us based on what we liked in the store and online, we kicked off simultaneous design processes for both our rings. We could not have been happier with our decision! From our first conversation with Erich in the Bellevue store, everyone we worked with was enthusiastic, respectful of our budget, responsive, and patient throughout the design process. Washington, DC - May 2018 - Yelp My fiancé and I (both women) wanted to get coordinating, but not matching, engagement rings, and we chose to work with Joseph Jewelry based on their stellar reviews and reputation for custom rings. Schedule an appointment with your own personal jewelry consultant. Work directly with a designer to create your own unique engagement ring. Choose elements you like and a designer will create a drawing and free estimate.
0 Comments
The later versions also have a personal video-recorder (PVR) graphical front end for receiving live television with electronic program guide (EPG) and high-definition digital video recorder (DVR) support. It is customizable: skins can change its appearance, and plug-ins allow users to access streaming media content via online services such as Amazon Prime Instant Video, Crackle, Pandora Internet Radio, Rhapsody, Spotify, and YouTube. Kodi was initially designed as a multi-platform home-theater PC (HTPC) application that has grown to become a multi-purpose technological convergence platform. It allows users to play and view most streaming media, such as videos, music, podcasts, and videos from the Internet, as well as all common digital media files from local and network storage media, or TV gateway viewer. Kodi is available for multiple operating systems and hardware platforms, with a software 10-foot user interface for use with televisions and remote controls. Kodi (formerly XBMC) is a free and open-source media player and technology convergence software application developed by the XBMC Foundation, a non-profit technology consortium. Media player software, smart TV platform, digital media player, digital video recorder Windows 10 and later, macOS, Android, iOS, iPadOS, tvOS ( Apple TV OS), Linux, FreeBSD, webOS, Xbox One and Xbox Series X/SĪRM, ARM64, MIPS, RISC-V, PowerPC, IA-32 (x86), and 圆4 (x86-64) C++ core, with C++ (binary) or Python scripts as add-ons (plug-in extensions) from third-party developers My son, do not forget my teaching, but let your heart keep my commandments, for length of days and years of life and peace they will add to you. Proverbs 31:25-26Ĭhildren are a heritage of the Lord, and the fruit of the womb is a reward. She opens her mouth with wisdom, and the teaching of kindness is on her tongue. Strength and dignity are her clothing and she laughs at the time to come. You can go to bed without fear you will lie down and sleep soundly. Ecc 4:9-12ĭon’t let anyone look down on you because you are young, but set an example for the believers in speech, in conduct, in love, in faith and in purity. Three are even better, for a triple-braided cord is not easily broken. But how can one be warm alone? A person standing alone can be attacked and defeated, but two can stand back-to-back and conquer. Likewise, two people lying close together can keep each other warm. But someone who falls alone is in real trouble. If one person falls, the other can reach out and help. Two people are better off than one, for they can help each other succeed. We love because He first loved us 1 John 4:19īe completely humble and gentle be patient, bearing with one another in love. Psalm 127:1a Anyone who listens to my teaching and follows it is wise, like a person who builds a house on solid rock. Unless the Lord builds a house, the work of the builders is wasted. John 13:34 įor no one can lay a foundation other than that which is laid, which is Jesus Christ. Proverbs 24:3-4Īs for me and my house, we will serve the Lord. Through wisdom, a house is built, and by understanding it is established by knowledge the rooms are filled with all precious and pleasant riches. Job 8:21 Living Room/Foundation/Heart of the Home: He will once again fill your mouth with laughter and your lips with shouts of joy. Remove falsehood and lies far from me Give me neither poverty nor riches- Feed me with the food allotted to me Lest I be full and deny You, And say, “Who is the LORD?” Or lest I be poor and steal, And profane the name of my God. They broke bread together and ate together with glad and sincere hearts. Give us this day our daily bread Matthew 6:11Īnd he humbled you and let you hunger and fed you with manna, which you did not know, nor did your fathers know, that he might make you know that man does not live by bread alone, but man lives by every word that comes from the mouth of the Lord. Psalm 34:8ĭo not forget to entertain strangers, for by so doing some people have entertained angels without knowing it. Jeremiah 29:5 Kitchen/Pantry/Dining Area: Plant gardens, and eat the food they produce. – Joshua 24:15īuild homes, and plan to stay. – Deuteronomy 28:6īut as for me and my house, we will serve the Lord. You will be blessed when you go in and blessed when you go out. I thought it would be neat to find scripture that would tie into each room of the home, and serve as a reminder to us that God’s word never fails and is the infrastructure of our own lives (including our home.) I quickly got to work planning out Bible verses for building a home that we could write in each room, and I’m sharing it with all of you in case you find yourself in the midst of a building project and want to include scriptures within your own walls! Entry Doors: So once the framing started going up and the rooms were mapped out, I told my husband that I wanted to write God’s word all throughout our home. Christ is the cornerstone of our faith and our family, and we knew we wanted to honor Him in all things during this build. We pray for and seek God’s guidance as we make big decisions regarding our home every single week. We’ve been praying over our home every step of the way. When we formed our house plans from scratch, we made sure that we had the things we needed, but also things that we really wanted (within reason), too. At just 26 and 27 years old and first time home owners (builders), we’re trying our hardest to make smart financial decisions for our family, but we also knew that building a home would be a one-time deal for us. Last week I made a big announcement that we’ve started our home building project! It’s something we’ve been dreaming of since before we got married, and we feel so truly blessed to watch it all finally unfold. A Strong Foundation: Bible Verses for Building a Home Abra la aplicación Apple Watch en su iPhone. Note: If you are using the Samsung Galaxy Watch4, during the start round process, please make sure you select Wear OS as the Watch GPS option.įor more information, please visit Is my Smartwatch/Apple Watch compatible with Arccos Caddie. Instale las aplicaciones que ya tiene en iPhone. Then, select Watch GPS and select the appropriate Watch OS. Open the Arccos Caddie app on the compatible Android device and navigate to the 'Start Round' screen. On the Shot List simply click on any desired shot and you will be able to add/subtract penalties or delete that shot. It is a comprehensive app that covers just about everything you need on the course. The app comes with over 5 million members, and it covers over 450000 golf courses around the world. Hole19 is one of the most popular golf apps for Wear OS and for good reason. GolfShot Let’s start with GolfShot, which is one of the best Golf Apps for Wear OS in 2023. Support OS: Wear 3.0 (Samsung Galaxy Watch 4), WatchOS. Golf Courses: 43,000+ (201 Countries) GPS compatibility: Yes. Enhanced Shot Editing: If you’re playing with a Samsung Galaxy Watch or Android Wearable in Rangefinder Only mode you will be able to edit shots, including putts. Hole19: Price: Free (in-app purchases) Download Link: Hole19. Smart Caddie, created through collaboration between Golf Buddy and Galaxy Watch, is perfectly compatible with Galaxy Watch.Club Recommendations: Based on your Smart Distance, the app will offer a customized club recommendation, if you’re within range of the green.Any time you need a green distance, simply look at your wrist and take dead aim. This feature is automatic, meaning there’s no interruption to your typical playing routine. Plays Like Distances is the ‘true’ distance for any shot and factors in wind speed, wind direction and elevation change. First & Best Golf GPS supporting Samsung Galaxy Watch - This application can only be used with Galaxy watch. Arccos Caddie Rangefinder: The Arccos Caddie app for Wear OS provides accurate distances while you’re on the golf course. This video demonstrates how to use your Samsung watch with the best golf tracking app, Golf Pad GPS to easily track your golf shots, keep score and gather va.Rangefinder Only mode's features are outlined below: So if you are just a casual golfer or a hardcore athlete, these Golf Apps for your Smartwatches will surely be to your advantage. If the watch is being used in Rangefinder Only mode, shots will be tracked by the Android phone which will need to remain in your front pocket. Last updated: MaAccessories Nowadays, golfing has reached a whole new level with certain golf apps that can track your game with your smartwatch. You can visit the nearest Apple Store and get help from there.ĭo keep in mind that you will require an account recovery contact so that they can help you reset your password. But don’t give up hope if no one is there for you, you have Apple Support (For issues related to Apple Products, not life). What? Is no one ready to give you their iPhone to reset the Apple ID password? Well, as life would have it, sometimes we have to fight our battles alone. Visit Apple Store to change Apple ID password If you forgot your iPhone Passcode, we have got a detailed guide on how to reset it. Now, enter the passcode of the iPhone logged in with your Apple ID.Cannot access your Apple devices? To continue the password reset process on that device.After selecting this option, follow the instructions to reset your Apple ID password. Choose this if you have access to the device. Done: Upon clicking this option, a password reset link will be sent to any of your devices.Enter any of the linked numbers and tap Done.If your ID is already there, select that and tap Continue. Select A different Apple ID and follow the instructions.You can also use an iPad, or iPod touch running iOS 12 or later. Install the Apple support app on their iPhone.If you do not have access to any of your Apple products, or if you think that someone has your devices as well as your password, then you need to quickly get help from your friends or family and follow these steps: Reset Apple ID password from another device using Apple support Next, enter the new password again to verify.Select Sign-in and Security and click Password.You can check Remember me to stay logged in. Verify the new password by entering it again.After that, enter your current password.You may be asked to enter the code sent to your Apple devices.You can follow the same steps even if you don’t remember your current password. Note: If you are on macOS Mojave or earlier, click iCloud → Account Details → Security → Reset Password. Type the new password twice to verify it.Enter your Mac’s password when prompted.On macOS Ventura, you need to click the Apple ID banner. You can use the same steps even if you have forgotten your current Apple ID password. Type the new password twice and tap Change.Enter your iPhone or iPad passcode when asked.Open Settings and tap the Apple ID banner.How to reset Apple ID password on iPhone and iPad Visit Apple Store to change Apple ID password.Reset Apple ID password from another device using Apple support.Reset Apple ID password from Apple Watch.How to reset Apple ID password on iPhone and iPad.And if you don’t know how, read along to find out. In all cases, you need to know how to reset your Apple ID password on your iPhone, iPad, Apple Watch, or Mac. As a practice, changing your Apple ID password once in a while is good for security purposes. It might be because your password got compromised or if it was too complicated to remember. And this key is protected by a password that only you know! There might be many reasons why you might be forced to reset your Apple ID password. Apple ID is the key to all hardware and software services from Apple. Popcorn-Time-0.4.9-win32-Setup.exeĭOWNLOAD CLICK ME TO DOWNLOAD CLICK ME TO DOWNLOAD Popcorn-Time-0.4.9-win64-Setup.exeĭOWNLOAD CLICK ME TO DOWNLOAD CLICK ME TO DOWNLOAD Popcorn Time -0.3.6 build 30000001 Android Phones Arm SupportĭOWNLOAD CLICK ME TO DOWNLOAD CLICK ME TO DOWNLOAD Popcorn Time -0.3.6 build 50000001 Android Phones x86 SupportĭOWNLOAD CLICK ME TO DOWNLOAD CLICK ME TO DOWNLOAD Popcorn Time -0.3.6 build 50000001 Android TV build 30000001 armĭOWNLOAD CLICK ME TO DOWNLOAD CLICK ME TO DOWNLOAD Popcorn Time -0.3.6 build 50000001 Android TV build 30000001 x86ĭOWNLOAD CLICK ME TO DOWNLOAD CLICK ME TO DOWNLOAD Popcorn-Time-0.4.9-linux32.zipĭOWNLOAD CLICK ME TO DOWNLOAD CLICK ME TO DOWNLOAD Popcorn-Time-0.4.9-linu圆4.zipĭOWNLOAD CLICK ME TO DOWNLOAD CLICK ME TO DOWNLOAD Popcorn-Time-0.4.bĭOWNLOAD CLICK ME TO DOWNLOAD CLICK ME TO DOWNLOAD Popcorn-Time-0.4.bĭOWNLOAD CLICK ME TO DOWNLOAD CLICK ME TO DOWNLOAD Popcorn-Time-0.4.9-os圆4.zipĭOWNLOAD CLICK ME TO DOWNLOAD CLICK ME TO DOWNLOAD Popcorn-Time-0.4.9. This will hide your activities and avoids reports going to your ISP. To install Popcorn Time on Firestick, you first need to download the application. You can also use it with external video players. Compared to other streaming apps, Popcorn Time is reliable and fast. It allows you to stream unlimited content for free. Please make sure you use a VPN when choosing torrents and stay safe. Popcorn Time is one of the best streaming apps for Firestick. Torrentvilla is another app to watch p2p movies. If your device is not listed then always try the original version first. The website can be found HERE and HERE feel free to use the original or try to use the downloads at the bottom of my page. Depending on the title and release date the quality can vary on new content. If the movie is on the web then this app will find it and provide the best version possible. In the settings, you can select which quality you prefer to use and this is a good option for people with limited data. Not only does it have good quality but it has support for subtitles too in all different languages. The app may prebuffer first to allow you to start the stream before it has been completed. Look for what you want to watch then let it connect to other seeds and peers. Popcorn Time scrapes torrents from the web and brings you the links in an easy-to-use app. Peers receive pieces from both seeds and other peers within the swarm. We have seeds that are considered those that have 100% of the file and peers that are not 100% complete. Follow the steps below to download the free and safe version of Popcorn Time. The app works from the Bittorent network using P2P technology that allows you to connect and download pieces of the file while sharing the pieces you have to the torrent swarm so everyone ends up with the full copy. This depends on where you live, some countries try to block the use of illegal file sharing and sharing of another person’s copyrighted work without permission or payment of royalties. Your interest rate will increase or decrease based on changes in the index. The margin, or interest rate spread, is a percentage above the index. The SOFR rate may be reset every business day (or the following business day in event of a holiday). The index is currently the sum of two components: 1) the 30-day rolling compounded average Secured Overnight Financing Rate (SOFR), as published by the Federal Reserve Bank of New York and 2) a variable rate adjustment. Other bank fees that may apply can be found here. Your interest rate will be a variable rate based on an index plus a margin. A processing fee, currently $10, will be charged for Line of Credit payments made by check. The APR (Annual Percentage Rate) is calculated based on a 360-day year and includes both the interest rate and certain fees and other charges related to the loan. All LOC lines of credit are subject to the underwriting standards and independent approval of Morgan Stanley Private Bank, National Association. Line of Credit (“LOC”) is a securities based line of credit product, the lender of which is Morgan Stanley Private Bank, National Association, an affiliate of E*TRADE Securities LLC and Morgan Stanley Smith Barney LLC. To avoid a $15 monthly fee, the account holder must 1) set up a direct deposit of $200 or more per month to the account, or 2) maintain an average monthly balance of at least $5,000 in the account on or after the end of the second statement cycle, or 3) maintain an average monthly balance of at least $50,000 in linked Morgan Stanley Private Bank, National Association accounts on or after the end of the second statement cycle, or 4) have a combined balance of $50,000 or more in linked E*TRADE Securities and employee stock plan accounts (including vested in-the-money options, stock option plan shares, ESPP shares, and released restricted stock) on the date the monthly fee is charged, or 5) have executed at least 30 stock or options trades during the prior calendar quarter in your linked E*TRADE Securities account(s). No minimum deposit is required to open a new account. Rates are subject to change daily and fees may reduce earnings. Last year, Morgan Stanley’s wealth management business, which includes its share of the joint venture, delivered $13.5 billion in net revenue, or 44 percent of its overall adjusted net revenue.Īnalysts expect wealth management to make up more than half of Morgan Stanley’s revenue over time.As of, the Annual Percentage Yield (APY) of the Max-Rate Checking Account is 0.05% for balances of $50,000 or more, 0.05% for balances of $5,000 - $49,999, and 0.05% for balances of less than $5,000. The bank will take a $200 million hit against capital in the second quarter related to the difference between the purchase price and its carrying value for the remainder of the business. The deal is expected to close by June 28. The business will have at least $138 billion in deposits by 2015, according to Morgan Stanley, which could put it among the top 10 banks by deposits in the United States. brokerage by adviser headcount and client assets. Morgan Stanley Wealth Management is the largest U.S. Friday’s announcement pertained to a “process approval” by regulators including the Fed and the Office of the Comptroller of the Currency, as required by the 2010 Dodd-Frank law. Federal Reserve approved Morgan Stanley’s plan to use capital to buy the final stake. Morgan Stanley needed to clear two regulatory hurdles to finish the deal. The transaction was designed to provide extra capital to Citigroup, and give Morgan Stanley stable revenue after it was hit by $9.4 billion in losses on subprime mortgage bets. On January 13, 2009, Morgan Stanley and Citigroup announced a deal that would eventually leave Morgan Stanley owning Smith Barney. In lieu of an acquisition, Gorman began fixing the wealth business by cutting costs, until an opportunity presented itself a few years later. The financial crisis was still some time away, and Mack was focused on bolstering bond trading, where Morgan Stanley had lagged Wall Street rivals. His forecast had a caveat, though: to become that profitable, the wealth management business would not only have to become more efficient, but also double its size by buying a large competitor, like Citigroup’s Smith Barney or UBS’s wealth management unit. He told John Mack, then the bank’s chief executive, that the wealth management unit could earn profit margins of 20 percent or more - 10 times its margins at the time. Gorman’s first order of business was to evaluate whether Morgan Stanley should fix its barely profitable wealth management group or sell it. Founded by Sun Yat-sen University and City University of Hong Kong. on behalf of China Journal of Accounting Research. © 2015 Production and hosting by Elsevier B.V. Our study provides evidence that timely loss reporting affects "real" economic decisions and creates economic benefits. Consistently, we find that firms that announce large discontinuation losses reduce capital expenditures and improve timeliness of loss recognition in subsequent years. Accordingly, thereafter, the fund providers and board of directors are likely to demand improved timeliness of loss recognition and stringent scrutiny of firms' capital expenditure plans. Moreover, managers, by announcing late discontinuations of such projects, reveal their inability to select good projects and/or to contain losses, when projects turn unprofitable. Consistent with this notion, we find that timely loss recognition increases the likelihood of timely closures of unprofitable projects. However, this conjecture has not been tested empirically. Prior studies suggest that timely loss recognition in accounting earnings enables lenders, shareholders, and boards of directors to identify unprofitable projects thereby, enabling them to force managers to discontinue such projects before large value erosion occurs. Managers, however, continue to operate such projects because of their limited employment horizons and empire-building motivations (Jensen, 1986 Ball, 2001). Ideally, firms should discontinue projects that become unprofitable. Timely loss recognition Conditional conservatism Agency costs Corporate governance Project discontinuations Accounting quality Journal homepage: Timely loss recognition and termination of unprofitable projectsĪnup Srivastava a'*, Shyam Sunder b1, Senyo Tsec'2Ī Tuck School of Business, Dartmouth College, United States b University of Arizona, Department of Accounting, United StatesĬ Department of Accounting, Mays Business School, Texas A&M University, United StatesĪrticle history: Received 14 February 2014 Accepted Available online 3 July 2015 China Journal of Accounting Research 8 (2015) 147-167Ĭontents lists available at ScienceDirect Our study provides evidence that timely loss reporting affects “real” economic decisions and creates economic benefits. Accordingly, thereafter, the fund providers and board of directors are likely to demand improved timeliness of loss recognition and stringent scrutiny of firms’ capital expenditure plans. Abstract of research paper on Economics and business, author of scientific article - Anup Srivastava, Shyam Sunder, Senyo Tse It has a similar style to Microsoft Word, which makes it even easier for those who are more familiar with Microsoft Office programs. That's not an unusual task, and professional data entry people can do it pretty quickly and inexpensively.A top-of-the-line PDF editor also works as an excellent PDF annotator for PDF documents. OCR would require so much cleanup that it would be faster to simply read the records and type them into Excel. You don't have a master list of all the words that could legitimately be in those records (other than a dictionary of the entire language). Your task needs to translate every character. That's the level of handwriting OCR with state-of-the-art technology and an extremely controlled range of possibilities to compare against. When it's done and the mail gets to the carrier for delivery, the carrier knows the addresses and names on their route, and they check it all to ensure that the addresses weren't misinterpreted. Even with that, a substantial portion requires human intervention. If you can only decipher half of the characters, there still may be only one or a few possible matches. The objective is more to match the handwritten addresses to viable candidates than to get every character right. The only way they are able to do it is because the addresses are in a prescribed structure and format, and they know every possible address ahead of time. But you would still have a lot of cleanup.įor perspective, the US Postal Service has some of the most advanced handwriting recognition, which it uses to read addresses on mailpieces so they can be sorted with automated equipment. If your grandparents' records are non-cursive, and neat, legible, consistent, and similar to machine printing, OCR might do a "reasonable" job on it. In image 2, most of the numbers aren't too bad, but the text would be a problem. For image 1, even humans would have trouble figuring out what some of that is, and it would involve a lot of guessing based on context and familiarity with the words. The toughest part, though, is recognizing handwriting and converting that to computer text. In the second image, the content is mostly within the bounds of the grid, but there are lots of stray markings (slashes, underlines, etc.) that would require cleanup. You would have the additional task of separating and removing the preprinted grid from the content. And if the content overlaps preprinted lines, that introduces breaks and missing data that the computer can't easily handle. Figuring out what of that is important to you, and what could potentially be some kind of character to be translated is extremely difficult. To the computer, everything that isn't the background color is "something". You can recognize how things are aligned, and what goes with what based on context. When you look at those images, your brain is very good at sorting out what is "preprinted form", what is content, what is noise, and what is human markings that aren't relevant. That's just the task of assigning text to the right cell based on its position. But even the best can be far from perfect. Recognizing the handwritten characters and translating them to text.Ĭonsumer software and online services are available and do a reasonable job of converting machine-printed text that is in clean table format to a spreadsheet file.
Winner of the IDEA Design Awards for 2008, Aqua is a striking transportation vehicle for the future, although I can think of many keen for marine exploration who would dream to take it for a drive today-including myself, obviously. Design considerations include buoyancy control, oxygen supply and water pressure protection for the pilot. Similar to Waikiki Atlantis, children have a minimum height requirement of 36 inches to enjoy the tour. This small and compact submarine is hands down the best option for anyone who is. Propelled by electricity, the eco-friendly submarine features a main engine duct for thrust at the rear and twin small engine ducts on the side for steering. It descends to depths of 100 feet, providing passengers with a fascinating glimpse of the magical underwater world. Presenting NEMO, the perfect submarine for your underwater adventures. The capsule-shaped submersible exhibits a cool hydrodynamic design and a futuristic interior with an accommodating sliding seat and twin joystick controls for effortless navigation. The USS Connecticut faces repairs set to cost about 80 million and wrap up in 2026 at the earliest. With such thoughts in mind, two visionary students from the University of Seoul in South Korea developed the Aqua concept, a sporty one-manned watercraft capable of surfing the waters as well as diving deep beneath them. A US Navy nuclear-powered submarine ran into an underwater mountain in 2021. For the newest and most amazing adventure, explore the underwater world of the Great Barrier Reef, from the safety of our exclusive 3 man mini-submarines. With ocean water levels rising, the idea of undersea colonization is gaining ground as an attractive and plausible solution for our uncertain future. |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |