![]() ![]() “Definitely one of the better renpy games available. “I had more fun playing this than certain AAA titled games.” – kyoyacloud “ I’ve played nearly every early access and finshed renpy porn game out their and this is definitely in my top 5.” – ZoeyMaxwell Most of which are fully animated and voice acted! Exiscoming Paprika Trainer Version 0.12.3. While playing you will encounter an engrossing, comedic story, a fully implemented mission mini-game, lots of supporting characters and of course many many lewd scenes. In this game you go on missions, capture gang leaders and keep your spies safe by preforming more and more slutty actions. It’s up to you and three sexy spies to go undercover and take back the city! Paprika Trainer v0.12.1.0 Part 28 Amazing Sexy Spies By LoveSkySan69. When suddenly the power goes out, all the villains escape and turn Beverly Hills into a warzone. Paprika Trainer v0.16.0.1 Part35Xmas Even And Santa AndBritney By LoveSkySan69. In Paprika Trainer you play as an inmate being kept in the WOOHP asylum for the criminally insane. Warning You are not allowed to view this text. This means you are the lucky person who happened to become a boss of the sexiest spy trio in history. Jerry has disappeared and you got invited to take his place. The building itself has been shown to be in the shape of a W. Spies Trainer is a 18+ fan made visual novel based on a famous cartoon ' Totally spies '. The headquarters are located in Downtown Los Angeles right next to Wilshire Boulevard. Founded and headed by Jerry Lewis, WOOHP uses cutting edge technology and highly skilled agents to fight crime all over the world. Changelog Streamlining, reduce grind, added extra tutorial screen, fixed typos. The World Organization Of Human Protection (WOOHP) is a worldwide spy agency in 'Totally Spies'. Loads and loads of outfits, hairstyles and tattoos.Ī: There are hidden codes that can be entered to redeem secret outfits for the game.From the creator of Orange Trainer comes a parody game based on Totally Spies. About game From the author of Orange Trainer, this parody is based on Totally Spies. I've only had this bug happen once, but just in case.Ī: 13 fully animated and voice acted cutscenes. If you've gone through more than 12 doors and the event where the agent begins patrolling the halls hasn't happened yet, then you're stuck in a loop. It is roughly going to be a 6+ hour experience.Ī: Not that long. It’s up to you and three sexy spies to go undercover and take back. When suddenly the power goes out, all the villains escape and turn Beverly Hills into a warzone. Character + - alex (totally spies) 1288 + - clover (totally spies) 1292 + - sam (totally spies) 1256. From the creator of Orange Trainer comes a parody game based on Totally Spies. even some voice acting!Ī: The game is finished and can be played from start to finish. + - paprika trainer 35 + - totally spies 2414. On top of that, there will be stuff to collect, holiday events and 'maybe'. Having to gather intel, going undercover, doing (optional) puzzles and a good / evil playthrough. Super Spy 10 / month You are one of the best spies around. The goal is to have more interesting gameplay in this one. So this time around, I'll be paying extra attention to make grinding more optional (but rewarding). Orange Trainer was made with the idea that you'd never have to do a lot of grinding and we all know how that turned out. How much are you going to make me grind?.On top of that you'll see some familiar faces from the show (and other shows) come by, so there's plenty to look forward to! Yes, you'll play a character who interacts with the full trio, each with their own personal storyline, outfits, CGs and quests. family friendly content! So let's get some questions out of the way. With plenty of art (and possible animations), story, items and outfits and of course lots and lots of dripping, nasty, unforgivable p. A unique mission system where you assist your spies on missionsĭeveloper Notes: I'm hoping to go al out on this one. An engrossing, humorous story with likable and believable characters. Dozens of outfits, hairstyles, tattoos and more to collect V1.2.0.0 - 13 fully animated and voice acted cutscenes. DOWNLOAD PC PIXELDRAIN Tutorial Download Do autor de Orange Trainer, esta paródia é baseada em Totally Spies. ![]()
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![]() ![]() The different construction techniques might indicate different construction times for the two parts, as some theories argue. The lower part, the arches and supporting piers, is build of white marble in opus quadratum, while the attic is opus latericium covered with marble slabs. The central archway is 11.5m high and 6.5m wide, while the lateral archways are 7.4m×3.4m.Įight detached Corinthian columns, four on each side, stand on plinths on the sides of the archways. The Arch of Constantine is a three-way arch, measuring 21m in height, 25.7m in width and 7.4m in depth. The year of dedication is written on the arch itself: “Votis X”. The monument is not mentioned by any ancient source, but it is clearly identified by the inscription. Construction began immediately, and the arch was finished in a few years, to be consecrated in 315/316 CE on the tenth anniversary of Constantine’s rise to power. Maxentius perished while trying to flee across the Tiber River, as a temporary bridge made of boats collapsed under him and his troops.Ĭonstantine entered Rome victoriously, and the senate awarded him a triumphal arch. of Rome, when Constantine’s army defeated the numerically superior but less experienced troops of Maxentius. The conflict was finally resolved in the battle of the Milvian Bridge just N. Likewise, Maxentius claimed the title of Augustus of the western empire. He had been proclaimed Augustus by the troops in Britain in 306 CE, after the death of his father in York, and even though he had no legal right to that title, he refused to relinquish it. The battle of the Milvian Bridge in 312 CE was the decisive moment in Constantine’s quest for power. The two others are the Arch of Titus and the Arch of Septimius Severus, both in the nearby Forum Romanum. The arch is the largest of only three such arches to survive in Rome today. The arch is located in the valley of the Colosseum, between the Palatine Hill and the Colosseum, along the road taken by the triumphal processions. ![]() The Arch of Constantine is a triumphal arch, erected c. 315 CE to commemorate the triumph of Constantine I after his victory over Maxentius in the battle at the Milvian Bridge in 312 CE. ![]() ![]() ![]() Since the drawing of the dinosaur is a regular bitmap image we need to trace the bitmap. A dev version is also available from githubif that’s what you prefer. The gcodetools extension is now included in Inkscape’s default extension library. ![]() Preparationsįirst we follow the guidelines on Gcodetools’ page to install the extension. The way the laser engraver interprets the G-code is that it turns on the laser when the virtual Z-axis has a negative value and off when it’s zero or positive. In this example we will generate a toolpath for our laser engraver to engrave a drawing of a dinosaur. Gcodetools’ main features according to the developer Step-by-step Tutorial (by example) It is far from perfect and poorly documented, but it does the job. You’ll need an extension (that’s what they call plugins in Inkscape) to be able generate G-code in Inkscape, and the only one that we’re aware of which is capable of doing so is Gcodetools (yes, this forum thread is the closest you’ll get an official page). However, if you’ve made a machine on your own which need some kind of motion, such as a drawing machine or a laser engraver, generating G-code in Inkscape is both quick and easy. For that it’s too dangerous! For those kind of machines you should use more professional software, such as anything from Vectric. Using Inkscape to generate G-code is NOT recommended when operating CNC mills, lathes, cutters or anything of that sort. When generating G-code this way it’s important to know what kind of machine you’re generating G-code for and how it interprets the code. Writing G-code manually for more than a simple square would be practically suicide, so luckily we have programs which do this for us. A snippet from an actual G-code file Generating G-code in Inkscape The last block moves the machine in a straight line to position (2.2,3.3) in the XY plane with a rate of 500 mm/min. The third block moves the machine in the Z-axis to -1 with a rate of 100 mm/min. How fast this movement is done is defined in hardware. The second block makes the machine run rapidly to position (1.1,1.1,1.1) in the XYZ space from its current position. G21 defines all numerical values as millimeters. G90 is the command that defines all coordinates as absolute with an origin as a reference. ![]() The first block does two things and is kind of a very simple setup block. ![]() ExampleĪ trivial example of a couple of blocks: G90 G21 A list of the different G and M-codes can be found here and here. A complete list of all of the letters with explanations can be found here. The most important ones are arguably G (used in most movement commands), M (miscellaneous commands), X, Y and Z (the last three are used to define positions in the X,Y,Z space, absolute or incremental). These letters corresponds to different types of commands. Everywhere you look in the code you will mostly see letters with numbers behind them. A CNC mill interpreting G-code in real-time Structure and CommandsĮach new line (called block) in the G-code can be roughly regarded as a new command. G-code has many dialects or variants, but most (or all) adhere to certain common rules. G-code is the most widely used programming language for controlling industrial machines such as mills, lathes and cutters as well as 3D-printers. As a natural continuation from last week, we’re now going to talk about such toolpaths, called G-code, and how to generate those in Inkscape. The third suggestion on why to do such a thing involved creating toolpaths for machines. In last week’s post we discussed how to create vector graphics from bitmaps in Inkscape. ![]() ![]() It was all about our capacity to learn, comprehend and understand language. Who was I without the violin?Īround that time, I was helping my parents to clear their basement, and I stumbled across a book called The Language Instinct. The doctor told me I could never play again, and at that moment I ended up asking these big existential questions about what it meant to be me. Aged 15, I had a sudden hand injury that derailed my dreams of being a concert violinist. ![]() At that point, I was like wow, I’ve got the vote of confidence from my favourite violinist, I have what it takes! And decided to go professional. I was 9 years old when I ended up applying to the Juilliard School of Music in New York and when I was in High School, Itzhak Perlman asked me to be his private violin student. That began a very intense journey for me. Something lit-up in my mind, and I played a couple of notes immediately and requested a pint-sized version of the violin for myself. She’d brought it all the way with her from India when she emigrated to the US in the 1970s, and my mom just brought it down to show me. ![]() : When I was 6 years old, my mom brought down my grandmother’s violin from the attic. Q: How did you go from music to cognitive science? In this interview, I speak to Maya Shankar about her transformation from being a musician to leading the White House Behavioural Science Team, and what she’s learned about change and transformation through her podcast, “ A Slight Change of Plans.” She speaks to Tiffany Haddish on her transformation from foster care kid to Emmy-winning comedian a former member of the extremist Westboro Baptist Church on her experience walking away from a cult Kacey Musgraves on how psychedelics changed her perspective on art a young cancer researcher who gets a diagnosis that changes everything a Black jazz musician who convinced hundreds of KKK members to leave the Klan and Hillary Rodham Clinton who was never willing to change in the way people wanted her to. Today, Maya is Senior Director of Behavioural Economics at Google and is the Creator, Host and Executive Producer of her brilliant new podcast A Slight Change of Plans which explores the question: What exactly happens when we find ourselves on the brink of change? Using her skills as a cognitive scientist, she delves into the incredible stories of a number of guests. from Oxford on a Rhodes Scholarship and a postdoc in cognitive neuroscience at Stanford, Shankar served in the Obama White House where she founded the White House Behavioural Science Team, which worked to create better policy using insights from behavioural science. Inspired by her personal story, Shankar has spent the last two decades studying how and why we change. A serious hand injury forced her not only to give up her dream, but to rediscover her identity in the process. When Maya Shankar was 15 years old, her promising career as a concert violinist personally mentored by Itzhak Perlman came to an abrupt end. ![]() ![]() ![]() ![]() G & S: Computer-aided transmission of messages and images providing computer-aided connectivity for encrypted transmission of images and messages across computer and mobile operating systems G & S: Downloadable software software computer software downloadable software for remotely accessing and controlling a computer downloadable software for computer desktop sharing, remote control of computer desktops, and web collaboration in the nature of computer screen sharing downloadable software for management of information technology (IT) devices, infrastructure, and services downloadable software for monitoring remote devices downloadable software for providing reports regarding device hardware and installed software downloadable software for monitoring device functionality and ensuring productivity downloadable software for monitoring and managing remote devices and their disk space, disk health, CPU usage, anti-virus installation and functionality, operating system updates, memory usage, firewall functionality, device network connectivity, event logs, and starting and stopping of specific operating system services and processes downloadable software for sending and receiving alerts and notifications related to a remote device's disk space, disk health, CPU usage, anti-virus installation and functionality, operating system updates, memory usage, firewall functionality, device network connectivity, event logs, and starting and stopping of specific operating system services and processes This is a letter from the examining attorney requiring additi Status: A non-final Office action has been sent (issued) to the applicant. Location: LAW OFFICE 117 - EXAMINING ATTORNEY ASSIGNED (Computer, scientific & legal) Scientific and technological services and research and design relating thereto: industrial analysis and research services design and development of computer hardware and software legal services. LAW OFFICE 117 - EXAMINING ATTORNEY ASSIGNED The trademark application has been accepted by the Office (has met the minimum filing requirements) and that this application has been assigned to an examiner. ![]() Mark For: TEAMVIEWER MONITORING & ASSET MANAGEMENT® trademark registration is intended to cover the categories of non-downloadable software cloud-based software non-downloadable software for remotely accessing and controlling a computer non-downloadable software for computer desktop sharing, remote control of computer desktops, and web collaboration in the nature of computer screen sharing non-downloadable software for remote management of information technology (IT) devices, infrastructure, and services consulting in the field of IT project management non-downloadable software for monitoring remote devices non-downloadable software for providing reports regarding device hardware and installed software non- downloadable software for monitoring device functionality and ensuring productivity non-downloadable software for monitoring and managing remote devices and their disk space, disk health, CPU usage, anti-virus installation and functionality, operating system updates, memory usage, firewall functionality, device network connectivity, event logs, and starting and stopping of specific operating system services and processes non-downloadable software for sending and receiving alerts and notifications related to a remote device's disk space, disk health, CPU usage, anti-virus installation and functionality, operating system updates, memory usage, firewall functionality, device network connectivity, event logs, and starting and stopping of specific operating system services and processes. ![]() ![]() ![]() Previous skins -#KW-! If there was an endpoint. All skins generated with this site are for personal use only. ![]() the hunter ( p'osu ), might also wear the skin of the hunted beast. All images and sounds remain property of their original owners. New skin edit with Seoul++ by Seoulless Whos Kagura Mea Kagura Mea is a virtual youtuber that takes 3 baths everyweek and likes to be given money love from her fans support her youtube Mea take a bath. and from Seoul by ' Daegam'.39 The booklet notes by Kim Dong - Won explain : Moo. This website is not affiliated with 'osu' or 'ppy'. Extra credits, and details in the osu! forums thread Skin Generator for osu osuskinner is a place to share, create and discover osu skins and skin elements.Edited hitsounds taken from - Ahri - Download the top osu skins Including osu mania skins and whitecat osu with advanced filtering options at . Happy holidays everyone Heres my new skin: Seoul v10 featuring art from Asagi, Achiki, and YY.View on GitHub BTMC: FREEDOM DiVE (Current skin, with edited hitsounds)Ĭredit: BTMC, JesusOmega, TofuMang, MyniMyxii, Kazu Screenshots (click to expand)īTMC (standard) DTMC (DT) (lol i don't have screenshots yet, but imagine that all the notes are pure white instead) BTMC (AMOGUS) (no screenshots, but standard skin with pink Among Us cursor) Links Download Source Genshin streamers osu skins document Find all of BTMCs skins, both past and present. If a link is down let know (1214#4121) some links are permagone and i don't have the skins so don't bitch at me if i say ur out of luck Some of the skins RyuK uses might be private or unfinished and may not be listed.BTMC Skins BTMC: FREEDOM DiVE (Current skin, with edited hitsounds) | Genshin streamer's osu! skins document Genshin streamer's osu! skins document Find all of BTMC's skins, both past and present. TikTok video from a stranger in a random skin (user556bre): 'i get that overwhelming feeling like i havr to be. ghost can you get shiges everything will freeze HDHR osu skin. ![]() ![]() Screenshots: /a/d7aLQIg Video: /watchvtpUjvV Credits: /Q7WdZ45P Skin DL: bit. The osu skins collection is based on a love for the rhythm game and community associated with it. + Seoul v9 Personal Skin (original cursor/trail) COPY LINK ADDRESS FOR NOW PLS Preview. RyuK super rad main skins compilation arnold HP Bar Jan 12 Sorry for the delay but HERE'S MY NEW SKIN: Seoul v11 featuring art from teffish, abisswalker8, and mokowata Enjoy This only works for 16-9. Spectrym Ranked Score: 51,771,967,207 Hit Accuracy: 98.94 Play Count: 190,702 Total Score: 399,597,058,417 Total Hits. ![]() ![]() ![]() The first is static narrowing of the airways due to swelling of structures that block the airway. There are two basic mechanisms for obstructive sleep apnea. Significantly, a broad anterior midline area of cortex and subcortex (the “anterior paramedian REM sleep activation area” selectively activates during REM sleep following relative deactivation during non-REM (NREM) sleep, and this region encompasses both the fear expression and extinction memory networks. Similarly, regulation of mood and working through of emotional responses to intra- and interpersonal stressors have been linked with REM sleep and associated dreaming. The “anterior paralimbic REM activation area” overlaps with fear and extinction circuits. Fluoro-deoxyglucose PET image of areas that reactivate during REM sleep following relative quiescence during NREM sleep…Walker and colleagues suggest that REM sleep serves the dual purpose of consolidating the content of emotional memory and diminishing the memory’s emotional charge. “Fluoro-deoxyglucose PET imaging shows that fear-conditioning and extinction are located in the amygdala and dorsal anterior cingulate cortex (dACC) and other areas associated with memory for the extinction (inhibition) of this fear (an “extinction memory network”) that includes the hippocampus and ventromedial prefrontal cortex (vmPFC). reported in Sleep and REM sleep disturbance in the pathophysiology of PTSD: the role of extinction memory: This results in collapse of the airway leading to sleep apnea. In REM sleep, there are both tonic excitatory inputs and phasic inhibitory inputs in the brain respiratory centers that account for irregularities in breathing pattern, as well as the loss of excitation, which contributes to hypotonia of the muscles of the upper airway. An excitatory drive to breathe is common in REM, with increased diaphragmatic EMG activity and increased activity in many medullary respiratory neurons above those levels observed in NREM sleep or quiet wakefulness. ![]() Electrical activity from medullary inspiratory neurons, and EMG activity of diaphragm and abductor muscles of the upper airway in healthy humans show reductions in amplitude upon the transition from awake to NREM sleep, usually accompanied by a mild to moderate hypoventilation and two- to fivefold increases in upper airway resistance.Ī fast and highly variable breathing frequency is a hallmark of rapid eye movement (REM) sleep in mammals. In fact, the great majority of people with sleep apnea possess ventilatory control systems that are capable of precise regulation of their alveolar ventilation and arterial blood gases with extremely small variations from the norm. Remarkably, sleep apnea patients experience little or no problems with their breathing or airway patency while awake. OSA patients were shown to maintain their upper airway patency in wakefulness via a compensatory, augmented EMG activity of their airway dilator muscles, during wakefulness. For rating purposes, the rating table does not distinguish between obstructive, central and mixed sleep apnea. Obstructive sleep apnea has become the term of art for all sleep apnea. I have yet to encounter a single case, however, that was not diagnosed as obstructive sleep apnea. Thus, all sleep apnea cases are in fact mixed sleep apnea. The brain does not send proper signals to the muscles that control breathing during sleep. Thus, it is clear that in obstructive sleep apnea cases, the brain is also involved. Interestingly, in all these cases there is no mechanical blockage to the airway during wakefulness obstruction occurs only during sleep. large adenoids, deviated septum).Ĭentral sleep apnea (ICD –9-CM 327.27) occurs when the brain does not send proper signals to the muscles that control breathing which results in the person awakening with shortness of breath.Ĭomplex or mixed sleep apnea is a combination of both obstructive and central sleep apnea.Īs mentioned earlier, pure obstructive sleep apnea involves abnormalities of the upper airway such as enlarged tonsils, large tongue or blocked nasal passages. True obstructive sleep apnea occurs when tissues block the upper airway (e.g. The brain then senses the inability to breathe and briefly arouses the person to begin breathing again. Obstructive sleep apnea (OSA) (ICD-9-CM 327.23) is the most common form of sleep apnea and is caused by an airway blockage that occurs when the soft tissue in the back of the throat narrows or closes during sleep. ![]() ![]() ![]() ![]() and it is natural to like some and hate some.Īt times you may get vocal and discuss about what you don’t like in a specific individual. When it comes to workplace, we work with many people including our team, managers, bosses, etc. You might meet them while travelling, at a friend’s party or in your office. Here is a big list of negative I adjectives to describe people, places, or things.In your day to day life, you meet thousands of people, known and unknown. There are a variety of negative adjectives that start with I. Here is a big list of negative H adjectives to describe people, places, or things. There are a variety of negative adjectives that start with H. Here is a big list of negative G adjectives to describe people, places, or things. There are a variety of negative adjectives that start with G. Here is a big list of negative F adjectives to describe people, places, or things. There are a variety of negative adjectives that start with F. Here is a big list of negative E adjectives to describe people, places, or things. There are a variety of negative adjectives that start with E. Here is a big list of negative D adjectives to describe people, places, or things. There are a variety of negative adjectives that start with D. Here is a big list of negative C adjectives to describe people, places, or things. There are a variety of negative adjectives that start with C. Here is a big list of negative B adjectives to describe people, places, or things. There are a variety of negative adjectives that start with B. Vindictive - driven to retaliate against those who’ve crossed them in some way Vain - having a high belief in one’s appearance or the feelings one is making Supercilious - acting superior or above your company dismissive or aloof Petulant - bold or rude, childishly sulky or peevish ![]() Pharisaical - hypocritical quick to impose duties they’re not willing to carry Patronizing - talking down to those they consider inferior in some way Narcissistic - self-centered to the point that others are tools for self-gratification Hedonistic - sensually self-indulgent, seeking one’s pleasure Greedy - amassing and collecting controls (or money, food, etc.) to oneself And of those, there are many negative adjectives that start with A.įirst you should read article about “ What is an adjective?” Negative Adjectives Examplesīelow is a list I have conformed of numerous negative adjectives and their significance and an example of exactly how they are used in a sentence.Īloof - keeping others at a distance, distant or detached from othersĪpathetic - indifferent or insensitive, lacking any concern or feeling for othersĪrrogant - believing oneself to be superior to othersīoastful - possessions or abilities, tending to brag about one’s accomplishmentsīig-headed - having an inflated sense of one’s importanceĬallous - not influenced by the sorrow of othersĬonceited - having an excessively high sentiment of oneself or one’s abilitiesĬondescending - talking down to those they consider less cleverĭetached - not interested in another’s problems or interest free of worryĭismissive - quick to disregard others or brush them off as unworthy of attentionĮgocentric - focused on serving the ego, self-centered or self-absorbedĮnvious - status, or accomplishments of others, coveting the possessions There are many different negative adjectives. Although they may be used properly and perhaps precisely, they are words meant to disrespect, not praise. Words like these are frequently used during a debate. Negative adjectives are usually verbal responses toward something or somebody who has hurt you or made you mad. Unfavorable adjectives can be used to describe any kind of and everything that is not pleasurable. It helps the visitor recognize that a personality’s character is distasteful or discuss how poor a particular scenario is. Authors can use these descriptive words to bring a tale to life. Negative adjectives assist individuals in defining their negative and uncomplimentary points of view concerning people or situations. Places, people, and situations are occasionally very unpleasant. ![]() ![]() ![]() (Or better yet, save on this budget line by getting a family member to watch the kids or by swapping babysitting nights with another couple for free!) ![]() Listen-if you’ve got kids, you know you’ll need a babysitter every once in a while, right? Whether it’s for a planned date night, something unexpected or just for your sanity, adding a babysitting budget category will be your lifesaver. Keep a list of items you’re running low on so you can plan ahead and always have money to cover what you need. And guess what? You use them every day, so these aren’t monthly expenses that should surprise you. They’re not necessarily the most exciting monthly expenses to put in a budget, but household items are a part of life. Toothpaste, shampoo, dishwasher detergent, paper towels. Umbrella Policy (if you’ve got a net worth of $500,000 or more).Long-Term Care Insurance (if you’re age 60 or older).When budgeting your monthly expenses, don’t forget to include monthly premiums for these insurances you can’t do without: Yeah, insurance can be kind of boring, and it might feel irritating to spend money on it, but paying for insurance is a must. Think of it like a shield-insurance helps protect all the things you love and will be your saving grace when life happens. While you may not have some of these bills, this list should help you get the wheels turning as you create your own budget. The rest of these monthly expenses aren’t in a perfect order, but they’re a bunch of common things people spend money on every month. ![]() ![]() Okay, we’re past giving, saving and the Four Walls. This category includes gas, public transit fees, routine maintenance-anything you typically pay in a month for transportation. Whew, right? It adds up quick! To keep your housing costs from hogging most of your budget, keep these expenses to 25% or less of your take-home pay. Don’t forget insurance, property taxes and HOA fees. Just including your rent or mortgage payment isn’t enough when budgeting for your housing costs. To be safe, budget on the higher side in each of these budget lines-and if you don’t end up needing it, throw the extra at your debt (if you have any!) or your savings. Frigid winter temps? Put on some fuzzy socks. (Nobody likes to sweat while they sleep!). Blazing hot summer? Add a little extra to this category. Include all the services that keep your house running: electricity, water, natural gas or propane, and trash services. Remember, these utility bills might change from month to month. Use coupons, eat what you have at home, start meal planning-it all adds up in a month. It’s the number one category where people overspend (so easy to do, right?). We put groceries as its own line, apart from restaurants, because you have to eat-but you don’t have to eat out.Īnd if you’re looking to find extra money in your budget, food is the place to start. Once you’re out of debt, you’ll save up 3–6 months of expenses in case of a bigger emergency, like an unexpected sickness or job loss.īefore you budget for any of the other monthly expenses, cover what we call the Four Walls-aka the basic necessities you need to survive: food, utilities, shelter and transportation. If you’re in debt, start by saving a $1,000 starter emergency fund (we call this Baby Step 1)-then pause saving and throw everything else (after your necessary monthly expenses) at crushing that debt. Not only does a padded savings account give you peace of mind, but it also helps you plan for big purchases. Savingĭepending on what Baby Step you’re on, you might need to make saving a priority. Whether you give to your church or your favorite charity or organization, start your month by giving 10% of your income to a specific cause dear to you. Not just because we like to be a little weird (we do!), but because when we give, it takes the focus off of what we’re lacking and shines a light on helping others. And yes, it’s the first thing we budget for each month. But hear us out.Īround here, we’re all about being generous. It may seem backward to think about giving as a common monthly expense because there’s already so much in life to pay for. Of course, monthly expenses vary from person to person and situation to situation, but there are some common monthly expenses to think about when you start a basic budget. That's why you need a plan, aka a budget.Īnd that starts with taking a look at your basic monthly expenses. The truth is, you’re way more confident- and you enjoy life more-when you’re prepared for it. Would you give a big presentation at work without preparing at all? What about your wedding day? You wouldn’t just show up without a plan and hope it all worked out, right? Not in a million years. ![]() ![]() Eligible travel purchases do NOT include non-prepaid car rentals, non-prepaid hotels, ticketing service or other fees, or interest charges. Platinum and Business Platinum Card Members are only eligible for 1 additional point on cruise reservations. Eligible travel purchases include all travel purchases made with your Membership Rewards program-enrolled American Express ® Card on, including air, prepaid hotels, prepaid car rentals, vacation packages (flight + hotel packages) or cruise reservations, minus returns and other credits. Corporate Card Members are not eligible for the additional point. Those same Card Members will also get at least 1 additional point for each dollar of eligible travel purchases made on on their Membership Rewards program-enrolled American Express Card. 2X Membership Rewards Points: Membership Rewards-enrolled Card Members get at least 1 Membership Rewards ® point for every eligible dollar spent on their Membership Rewards program-enrolled American Express ® Card. Benefits, participating properties, and availability and amenities at those properties are subject to change.Ģ. ![]() ![]() Any credits applicable are applied at check-out in USD or the local currency equivalent. Benefits must be used during the stay booked. Benefits cannot be redeemed for cash and are not combinable with other offers unless indicated. American Express and the Property reserve the right to modify or revoke the THC benefits at any time without notice if we or they determine, in our or their sole discretion, that you have engaged in a Prohibited Action, or have engaged in abuse, misuse, or gaming in connection with your THC benefits. Back-to-back stays booked by a single Card Member, Card Members staying in the same room or Card Members traveling in the same party within a 24-hour period at the same property are considered one stay and are ineligible for additional THC benefits ("Prohibited Action"). Benefits are applied per room, per stay (with a three-room limit per stay). ![]() Advance reservations are recommended for certain experience credits. The type of experience credit varies by property the experience credit will be applied to eligible charges up to $100. Room upgrade is subject to availability and is provided at check-in certain room categories are not eligible for upgrade. Bookings must be made using an eligible Card and must be paid using that Card, or another American Express ® Card, in the eligible Card Member's name, and that Card Member must be traveling on the itinerary booked. Consumer and Business Gold Card, Platinum Card ® and Centurion ® Members (Delta SkyMiles ® Gold and Platinum Card Members are not eligible). The Hotel Collection (THC) benefits are available for new bookings of two consecutive nights or more made through American Express Travel with participating properties and are valid only for eligible U.S. ![]() |