![]() You can calculate your taxes by dividing your income into the portions that will be taxed in each applicable bracket. How To Figure Out Your Federal Income Tax Bracket The total tax amount for your $75,000 income is the sum of $1,160 + $4,266 + $6,127 = $11,553 (ignoring any itemized or standard deduction applied to your taxes). But some of your income will be taxed in lower tax brackets: 10% and 12%.Īs your income moves up the ladder, slices of it are taxed at increasing rates: ![]() How Do Tax Brackets Work?įiguring out your tax obligation isn’t as easy as comparing your salary to the brackets shown above. Let’s say you’re single and your 2024 taxable income is $75,000 your marginal-or top-tax rate is 22%. If your taxable income increases, the taxes you pay will increase. The amount you pay in taxes is dependent on your income. The brackets help determine how much money you need to pay the IRS annually. Tax brackets were created by the IRS to implement America’s “progressive” tax system, which taxes higher levels of income at the progressively higher rates we mentioned earlier. ![]() Related: Income Tax Calculator What Are The Tax Brackets? 2024 Tax Brackets: Married Filing Jointly Tax rate
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![]() ![]() ![]() Modest black and white tones combined with uncomplicated textures will not distract you and your colleagues from important decisions. If you are up for a simple Zoom background, this picture is for you. Straight lines and light white and blue colors work together to create a minimalist Zoom background that is ideal for long discussions. Simply download our free Zoom background of a stunning landscape with mountains and clouds shot at dusk. You don’t have to travel to another part of the world to get a beautiful backdrop. Maybe you’re already planning your next vacation. Hold online meetings with a tropical Zoom background to hint at the fact that you are not in the mood for serious work. Muted green tones will help you unwind and focus on tasks. Start your week with a soothing, natural Zoom background. *By clicking on the images, you will be redirected to the Depositphotos website where you can download virtual backgrounds for Zoom Nature Zoom backgrounds 1. Perhaps you just want that perfect artistic shot, or some texture, or anything that is simple and minimalistic. The Depositphotos library is full of excellent choices of Zoom backgrounds, especially if you’re tired of all the humor and forced creativity circulating the web. If you’re already forcing yourself to find and download plain backgrounds for your video calls, it’s time to get creative and select something fun or artsy to fill that space. This is why it’s a great thing that Zoom has a virtual background option. Let’s face it, we don’t want to clean before every single meeting on our schedule. In truth, free virtual backgrounds for Zoom have become of great help, because not all of us have the neatest or most perfect background around home. Do you feel like it’s finally time to get creative with your Zoom background? Want to get a bit artsy? Whatever you have in mind, we’ve put together a diverse collection of all kinds of free Zoom backgrounds for meetings, work calls, and casual chats with friends. ![]() ![]() Go to Finder > Applications and open the Office app you want. If activation fails, see What to try if you can't install or activate Microsoft 365 or Office for Mac. If you need help activating Microsoft 365 or Office, see Activate Microsoft 365 or Office for Mac. The What's New window opens automatically when you launch Word. Launch an app and start the activation processĬlick the Launchpad icon in the Dock to display all of your apps.Ĭlick the Microsoft Word icon (or another Microsoft 365 or Office icon) in the Launchpad. If Microsoft 365 installation fails, see What to try if you can't install or activate Office for Mac. Click Close when the installation is finished. (This is the password that you use to log in to your Mac.) Note: If you want to only install specific Microsoft 365 apps and not the entire suite, click the Customize button and uncheck the programs you don't want.Įnter your Mac login password, if prompted, and then click Install Software. The steps to install these versions can be different depending if you got Microsoft 365 through one of the following ways: Some versions of Microsoft 365 such as Office Professional Plus 2021, Office Standard 2021, or a stand-alone app such as Word 2021 or Project 2021 don't have an associated Microsoft account, or work or school account. *If you don't have a product key or an account You'll sign in with your work or school account for these versions of Microsoft 365. Once you verify you have a license, anytime you need to install or reinstall Microsoft 365 you can go straight to the section below, Sign in to download Office and select the tab for steps to install on a PC or Mac. Learn how to check this in What Microsoft 365 business product or license do I have? or if you're a Microsoft 365 admin responsible for assigning licenses to people in your organization, see Assign licenses to users. If your business subscription plan includes the desktop version of the Microsoft 365 apps you won't see an option to install it unless someone in your organization assigned a license to you. Boiling your water before brewing can also reduce chlorine levels, but could still leave some residual chlorine. You will have to contact the water manufacturer and ask them what the total dissolved minerals are in it.Ĭity water is often chlorinated, but potassium metabisulphite (better known as Campden) can take care of this and works for chlorine and chloramine. Are you going to build off your well water? Are you going to use bottled spring water? Or will you start with a clean sheet of paper by using distilled or RO (reverse osmosis) water? The very first thing to think about when building a water profile is what your starting minerals will be, and where your water is coming from. After reading this article, you will have a basic understanding of how to go about adjusting your brewing water. But don't worry! You don't need a masters degree in microbiology to understand what you’re doing with your brewing water. So if you want to brew the best beer you can possibly brew, you aren’t going to want your dirty ol’ well water or overly chlorinated city water to make up 90% of it. As a reference, there are 16 oz in a lb.Beer is about 90% water. ![]() Also for users of software programs like BeerSmith, many of the sub-pound increments are represented as ounces (oz) by default, so make sure to translate those to pounds! If the recipe software calls for 4 oz, that is 1/4 lb. NOTE: We can only be accurate up to the hundredth decimal (0.XX). Need 10 1/2 lbs of 2-Row? Then simply put 10.5 in the quantity field. The same goes for larger amounts as well. Need just a quarter pound of chocolate malt? Then simply put 0.25 in the quantity field (1/4 is a quarter, and equals 0.25). Grain quantities are in pounds so enter the decimal amount you need in pounds. Not with us though :)Įach grain we sell on the website allows you to input decimal numbers in the quantity field to specify the exact amount of grain you want no more and no less. Most other stores only allow you to order in increments of a pound, so that you are often left with extra grain that you don’t need and it goes to waste. This feature is probably the one we are most happy with on our site, and that is the ability to order grains in increments LESS than a pound. You also have the option of keeping the grains separate by simply selecting that option. ![]() The site gives you the ability to create up to 15 different grain bills. Have a recipe that calls for some 2-Row and some Crystal 60, and you’d like them both put in one bag together? Then simply choose the Grain Bill 1 option when adding them to the cart. ![]() The Crush Grains option is pretty self-explanatory select either Yes or No for whether or not you want your grains crushed.įor the Grain Bill option, this is how you tell us how to mix this particular grain with any of the other grain you are purchasing. Grain Bills & Crush OptionsĮach grain we sell on the website, comes with a couple of drop down boxes that allow you to choose if you want the grain crushed or not, and which grain bill to add the specific grain to. ![]() Lastly, we also give you the ability to order individual grains in fractional increments no need to buy a full pound of something you only need a quarter pound of! We do this all for free as well, with no additional charges to you because we know getting exactly what you need is important for your brew day. You can also tell us if you want them separate from other grains, as well as whether or not they should be crushed. Great Fermentations is proud to give you the ability to order custom grain/malt bills, prepared exactly how you want them! Our website allows you to add individual grains to a specific “Grain Bill” which tells us if you want the grains mixed together or not. Marital status among men aged 70 to 79, 19, England and Wales This may help explain the increase in the proportion of women who are married (from 40% to 55%), as well as a climb in the number of older people who are divorced a three-fold increase to 9% of men and a four-fold increase to 12% of women. Only 30% of women in their 70s were widows in 2016, compared to 49% in 1991. Increases in life expectancy between 19 mean that more men survived into their 70s. Marriage is on the increase, but so is divorce The General Household Survey reported that 18% were smokers in 1990 to 1991, dropping to 9% in 2016 ( Opinions and Lifestyle Survey). People in their 70s in Great Britain are less likely to smoke than in the past. Increases in life expectancy have been linked to reductions in smoking and circulatory disease. For women this is 17.3 years, up from 14.3 years in 1990. The gap in life expectancy (the average years of life remaining) between men and women in the UK has narrowed, with life expectancy at age 70 increasing by 39% for men between 19, and by 21% for women.īased on mortality patterns in 2016, men aged 70 can now expect to live for a further 15.3 years, up from 11.0 years in 1990. ![]() Having got there, today’s 70-year-olds also live for longer than their predecessors, particularly men. With increases in survival have come increases in life expectancy: life expectancy at birth for women in England and Wales pushed through the 70 age barrier in 1950, while men had to wait until 1977, almost three decades later. Only 58% of the 957,782 babies born in England and Wales in 1920 (turning 70 in 1990) survived to age 70, compared to 78% of the 820,719 babies born in 1946 (turning 70 in 2016). This is because survival was far better for the post-World War 2 baby boom generation (born 1946) than those born following the World War 1 baby-boom (born 1920). The number of people in their 70s in the UK increased from 4 million to 5 million between 19. They have lived through a period of unprecedented economic, social, cultural and technological change.īabies born earlier, during the baby boom that followed World War 1 lived through the Great Depression, were young adults during World War 2, and turned 70 in the early 1990s, just as recession hit the UK.ĭespite there being fewer than three decades between these generations, there are differences in life expectancy, marital status, childbearing, and employment. They were the first to benefit from 20th century developments such as ‘cradle to grave welfare’. In addition, most gulls are social, and usually roost communally in large groups.The post-World War 2 baby boom generation turned 70 in 2016. ![]() Gulls are adaptable, and they’re not too bothered about where they sleep, so long as they’re reasonably protected from predators. However, some species do sleep in trees, such as the Bonaparte’s gull. Gulls prefer to sleep in open areas that give them a good view of any incoming predators. Many species of gulls also sleep on the water, on the sea, lakes, and reservoirs. ![]() They also sleep on cliffsides, rocks, and buildings in urban areas. Seagulls commonly sleep on beaches, sandbars, or coastal fields and pastures. Gulls are a common sight, especially at the seaside, where their raucous vocalizations are omnipresent! So, where do gulls sleep at night? Seagulls don’t have the best reputation but are highly intelligent birds that adapt to environments quickly. Gulls are extremely hardy and breed on every continent, including Antarctica. Gulls - or seagulls as they’re known colloquially - are widely distributed seabirds from the Laridae family. This will help when threading the beads.Ĭreate a lark knot on the key ring. ![]() Stiffen both ends by rolling it between your finger with a dab of craft glue. Tutorial you will learn how to make the TV tubbies with pony beads.Cut your Braiding Cord to 60 inches in length. This tutorial you will learn how to make a Stegosaurus with pony ![]() Tutorial you will learn how to make a snail with pony beads. Pattern is very wide and will need reinforcing. Small jingle bell on the top of Santa's hat like we have to add a Pony bead Santa is a perfect Christmas craft for kids. This tutorial you will learn how to make a necklace with pony beads. White background, though you can substitute different colors. This pattern is fun to give to a best friend or You first start the project, loop a long piece of cord/ribbon/stringĪround a keychain loop so you have two string ends to work with.īead keychains are fun for children Age 8 and up (or avid craftersĪge 6+). Least you won't have to wrestle with this one! Pony bead animals areįun to make - you could easily make enough to populate the wholeīead Dragonfly - When you first start the project, loop a long piece ofĬord/ribbon/string around a keychain loop so you have two string ends This tutorial you will learn how to make a beaded banner with ponyįlowers - The craft instructions below will teach you how to make a pot ofįlowers made from pipecleaners which would make a wonderful Mother'sīead Crocodiles - Who can think about Australia without thinking about crocodiles! At With simple instructions andįun materials he is sure to capture your child's interest. Pony beads, you can create a helpful model for study. Strands are formed and what they look like. Way to better understand the nature of DNA is to understand how DNA It would be an important part of scientific understanding. To Make DNA with Pipe Cleaners & Pony Beads - DeoxyribonucleicĪcid, or DNA, is the building block of organisms, so it's no surprise Together with string and knots no glue is required.īeaded beauties are fun for you and your friends to make together and This is a clean project, since it is held (such as embroidery floss) to make a durable key chain.īead key chains are simple to make and can be an excellent projectįor summer camp craft time. Use craft lace, monofilament or three-strand thread cording The flat fish is made with cording and roundīeads. This tutorial you will learn how to make five different Bunnies withįish key chain is an ideal craft for you or your child to make as a Tutorial you will learn how to make a fish keychain with pony beads. Tutorial you will learn how to make an octopus for your back packĪnd Night Pony Bead Bracelets and Key Chains - Theīeads make it look like a bracelet and it is really great to use onĭays when you have no pockets to put your keys in. ![]() This tutorial you will learn how to make a carrot bracelet with ponyĬhristy 's Bob Series Pony Bead Patterns - A This tutorial you will learn how to make a butterfly mobile with pony ![]() This tutorial you will learn how to make a bunny in a carrot with Mumbles, from "Happy Feet" - In this tutorial you will learn how to make Big Mumbles from Happyīread crumbs and make this colorful breadcrumb bead bracelet. Ornaments - In this tutorial you will learn how to make different ornaments with With a plastic lace, some ChristmasĬolored pony beads and some bells, you are ready to go. Is an easy craft that features jingle bells which are always aįavorite of children. Out these fantastic angel crafts - all complete with pictures! These Santa Clause Perler Bead Ornaments - Create this beautiful ornament with some perler beads and some cording. Pony Bead Christmas Tree Ornaments - Learn the pattern for making these pony bead Xmas trees.then hang it on your real tree. Let the lid completely dry and then you will be able to use the coaster for nice cold drinks. Then Add Pony beads flat out, until the entire surface is coverednd you can't see the lid below. Here are Ideas for Cool Arts and Crafts Projects with Pony Beads with with the following crafts activities, instructions, patterns, and printables for Children Make Drink Coasters with Pony Beadsįind a small lid, such as one from an icing can. Home > Arts and Crafts Projects for Kids > Crafts with Pony Beads Patterns PONY BEAD PATTERNS & INSTRUCTIONS FOR KIDS : Make Cool Jewelry Arts and Crafts Projects with Pony Beads for Children, Teens, and Preschoolersīelow you will find crafts using Pony Beads for kids. ![]() The agent’s duties come into effect when the principal is incapacitated and unable to make decisions. The following guide may be constructive while going through the steps of planning for one’s future. However, hiring an attorney to assist with the estate planning process is highly recommended.Ī health care agent (“agent”) is a person designated to make medical decisions for another individual (principal). How to Create an Estate Plan in Missouri (6 steps) Furthermore, a person should think about who will benefit from their estate after they die, i.e., the beneficiaries or heirs, and who should receive copies of their estate planning documents. ![]() A Durable Power of Attorney is a document that will allow an agent to act on behalf of the individual with regard to their financial affairs. A Health Care Directive outlines what kind of medical treatments an individual will receive in the event that they are disabled or incapacitated in some way. ![]() While those are extremely important, there are a number of other instruments that should be executed. Most people think of a Last Will and Testament or a Living Trust when they think estate planning. An individual should have peace of mind regarding the future of their family and estate, so this list is a helpful tool for any person interested in starting the process. A Missouri estate planning checklist is a list of estate planning documents to use to prepare for death or incapacitation. ![]() ![]() Labor and materials invoices aren’t just for contractors and mechanics. The labor costs table can include a description of the service, the employee who performed that service, the hours worked, the hourly rate, and the total cost for each service item. The material costs table can include a description of the material, quantity, unit cost, and total cost for each item. On a labor and materials invoice template, you’ll find separate tables for both labor and materials costs and total costs positioned at the top or bottom. If you’ve ever hired a contractor to renovate your house or have taken your vehicle to a mechanic, you’ve probably received a labor and materials invoice. Labor and material invoices are used to track the total amount of hours worked, and the materials used when completing a job. Printable labor and materials invoice templates Now that you’ve seen what they can do for you, let’s explore some examples of invoice templates for different use cases. What are some examples of free printable invoice templates? With them, you’ll save time and money, so you can dedicate your attention and resources to the tasks that matter. Printable invoice templates are an underrated business hack. This way, you can spend less time fiddling with administrative tasks and more time doing the billable work that makes you money. You can auto-generate invoice numbers and contact information, and also easily customize it with fields, labels, and more. Not to mention, if you have a lot of invoices to send out, you could be spending hours formatting and labeling them.īut with a template, you can create an invoice in minutes. You’ll have more time to do important, billable workĬreating a fresh invoice every time you need one is a time-consuming task. Using an invoice template is one easy way to make sure your invoices look great every time. If you send customers beautifully designed invoices, they’ll likely see your business as professional and organized. They may even question your services and consider not working with you again. If you send sloppy, handwritten invoices, then your customers may perceive you as uncaring and reckless. ![]() You’ll leave a lasting impression on your clients and customersĪn invoice reflects your business’ image. A printable invoice template will take the guesswork out of designing an invoice and make sure all the necessary information is included to save back and forth as well. That’s why it’s important to use a template for your invoices, especially if you’re not particularly design-savvy. If even one element is off, you could run into trouble with getting paid on time or at all. When it comes to invoicing, the devil is in the details. Now that you’ve got a handle on what a printable invoice template is, let’s review a few of the reasons you should start using one. Why use free printable invoice templates? Whether it’s your first time invoicing a client or you’ve been sending invoices out to customers for years, a printable invoice template is a great way to make invoices look polished and professional. Description of the products or services sold.Printable invoice templates include a variety of fields where you can fill out the information about your business and the goods/services sold: You can also print paper invoices if you - or your clientele - need physical copies. They’re perfect for small businesses and freelancers that want professional invoices but don’t want the hassle of designing them from scratch.ĭespite being called “printable,” in 2022, the finished invoices are often sent to clients and customers in digital formats, like PDFs. ![]() Get the template What are free printable invoice templates?Ī free printable invoice template is a pre-built form for creating customized invoices. But before we dive into that, we’ll dish out the details on what a printable invoice template is and how it can help get you paid faster. In this article, we’ll discuss ’s free printable invoice templates. Are you looking for a way to save time and money when invoicing your customers? A printable invoice template can help you do both. ![]()
Kids eat free all day with their paying folks. One kid eats free with the purchase of an adult or kid’s entrée at the regular price. Located next to the main entrance at the Washington State Fairgrounds and Expo Center, this awesome restaurant offers free kids’ meals two days a week! Psst! The seared wild salmon with garlic mashed potatoes and veggies is popular with petite diners. Kids eat free with the purchase of an adult entrée from the regular menu. You’ll drink to this all-day deal! For each Ramune Soda purchase, one kid eats for free this special includes a kid’s drink, too. iStock Restaurants In the Seattle Area Where Kids Eat Free Offered on Tuesdays, kids can eat free from 10 a.m.- 4 p.m.Ĭlick HERE to discover more San Diego area restaurants where kids eat free. Located in Old Town, Barra Barra offers kids age 10 and under a free meal per paying adult. ![]() Kids 12 and under eat free with the purchase of an adult entree and drink. Veggie skewers, a lamb doner and saffron rice will get eaten up at this local hot spot. While you have the lobster, kids ages ten and under can chow down a burger or mac ‘n’ cheese with orange wedges (or fries) for free! The ten and under crowd can choose one little chef’s meal with each adult entrée purchased. Voted best Italian restaurant by several different local magazines and foodie blogs, kids eat free on Sunday evenings after 5 p.m. ![]() ![]() Kids 10 and under eat a hearty (free) meal featuring soup or salad, white rice, hibachi shrimp, chicken, steak or chicken fingers plus ice cream for dessert. Kids can go for the tried and true pizza, chicken fingers with fries or spaghetti and meatballs or they can branch out with options like chicken parmigiana or Milanese. They’ll select from a kids’ menu featuring chicken fingers, mac-n-cheese, hot dogs and a kids burger. Kids 10 and under eat free any time and any day of the week. |
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