![]() (NMLS #1548935) holds the following state licenses and does business under the following DBAs.Ĭhecking and savings accounts are provided by Cross River Bank, Member FDIC. NYDIG is licensed to engage in Virtual Currency Business Activity by the New York State Department of Financial Services. Bitcoin services and accounts are provided by NYDIG. The Upgrade Card associated with a Personal Credit Line is issued by Sutton Bank, Member FDIC, or Cross River Bank, Member FDIC, pursuant to licenses from Visa U.S.A. Personal Credit Lines are made by Cross River Bank, Member FDIC. Home Improvement Loans are made by Cross River Bank, Member FDIC, Equal Housing Lender. Personal Loans and Auto Refinance Loans are made by Upgrade's bank partners. Join thousands already receiving our daily newsletter.275 Battery Street, 23rd Floor, San Francisco, CA 94111, USA Copyright 2017 Upgrade, Inc. Have a question? Email Leslie at Newsletter As a mom of four, value, usefulness and online safety take priority. Leslie Meredith has been writing about technology for more than a decade. Apple Cash is available immediately, but it will usually take up to three days for the funds to become available in your linked account. If you want to use your savings, you can transfer money from Savings to Apple Cash or to one of your linked bank accounts. This is a true savings account: You can’t spend money or make purchases in Savings directly. You likely already have an account tied to your Apple Card to make your monthly payments, but you can also add a different account if you’d like to use that to transfer money to your new Apple Savings account. Tap the circle with the three dots at the top of the page and open “Account Details.” Find “Bank Accounts” where you will be able to add a bank account. Open the Wallet app and scroll down to “Savings Account Current Balance” and tap the arrow. ![]() You can also add funds from a linked bank account, which you may want to do if you’re not earning much interest elsewhere, or if you’d like the idea of seeing your funds grow in the app. To check, open “Settings,” tap on your name at the top of the page and go to “Password & Security.” Be sure “Two-Factor Authentication” is toggled on. This is a security measure that sends a one-time code to your phone that you use to log into your account along with your password. You will also need to have two-factor authentication set up on your device. If not, install the update, which is 16.4.1. Go to “Settings,” tap “General” and then “Software Update” to see if you are up to date. Before you start, be sure that your iPhone’s operating system is up to date, otherwise, you won’t see the Savings option. Once you have the card, you can set up Savings. Like with everything Apple, applying for a card is a quick and easy process that can be done right in the Wallet app. You can buy Apple products from Apple with no interest fees when you opt for monthly installments, and you’ll earn 3% Daily Cash back. The Apple Card was introduced in 2019 and offers cash back rewards, no annual fees, no foreign transaction fees and the ability to manage your finances through the Wallet app. ![]() Here’s how it works.įirst, you must be an Apple Card holder. You can easily track your savings on your phone and transfer funds from a linked bank account. ![]() It’s particularly good for anyone who has simple financial needs. It takes less than two minutes to set up a new account. Today, Savings is a simple way to earn more on the cash accruing from Apple purchases made with Apple Card at the very least and an alternative to a traditional savings account.
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![]() ![]() “Especially not him.”Īs one of the twenty-five richest men in the world, with a New York real estate portfolio so extensive it boggled the mind, Gideon was always news. “No offense, but I can’t think of anything I want to talk to a reporter about.” I’ve got a story I’m working on, and I could use your help.” ![]() I’d just like to chat with you a few minutes. “Deanna Johnson,” she said, thrusting out a well-manicured hand. Despite how battered I felt and probably looked, I squared my shoulders and faced her directly. There was an avid gleam in her dark eyes that got my back up. Her dark hair fell in thick waves around her shoulders, and her smile graced full lips that were a glossy pink. Turning my head, I discovered a svelte brunette in a stylish skirt-and-blouse ensemble rising to her feet in the lobby seating area. Smiling as if everything were okay in my world, I rushed into the lobby and headed straight for the elevator, with a brief wave at the front desk staff. When I’d finished paying, I accepted his help out of the back of the cab and felt his gaze slide discreetly over my tearstained face. “Good evening, Miss Tramell.” The doorman accompanied the greeting with a tap of his fingers to the brim of his hat and waited patiently while I swiped my debit card. The night doorman opened the car door before I could tell the driver to turn around and take me back, and the sticky August air rushed in to chase the air-conditioning away. The cab turned the corner and pulled up in front of my apartment building. The desolation in his eyes as the doors to his private elevator separated us had ripped me open inside. Gideon needed me now–as much as, if not more than, I needed him–yet I’d walked away. The riot of emotions I felt had my heart racing. I couldn’t take the chance that she’d told me her suspicions just to see if I’d run to him and prove that his breakup with me was a well-crafted lie. I’d left Gideon alone because I couldn’t trust Graves’s motives. It had also forced me to abandon the one person I needed to be with. The information that NYPD detective Shelley Graves had shared with me just a few hours earlier had changed my life. The ride from Gideon’s Fifth Avenue penthouse to my apartment on the Upper West Side was a short one, but somehow it felt like an eternity. ![]() I sat back, my arms around my waist, rocking. He waved us through the intersection just before the light changed. Even our therapist could be ethically and legally bound to break our confidence.Ī burly, neon-vested traffic cop appeared and urged the bus into its lane with an authoritative white-gloved hand and a holler that meant business. I wanted desperately to talk about it, to get help working it out in my head, but I’d never be able to tell anyone. I hated the thought of having to hold back what Gideon had done for me. I was suddenly struck with the knowledge that I would have to keep a dreadful secret from my best friend.Ĭary was my touchstone, my voice of reason, my favorite shoulder to lean on–and a brother to me in every way that mattered. His dark brown hair was sexily mussed and his emerald eyes were bright with mischief. He lounged on his side, bare-chested and barefooted, his jeans unbuttoned to show both the waistband of his underwear and the sleek lines of his ripped abs. The taxi driver was hitting his horn repeatedly, as if that would clear the way. Cary Taylor’s lips had a come-hither curve and his long, lean frame was blocking the intersection. Through the windshield, I saw my roommate’s million-dollar smile flashing at me from the billboard on the side of a bus. The blare of a horn snapped me back to the present. I needed him like I needed my heart to beat, and he’d put himself in great jeopardy, risking everything–for me. From the moment I first saw him–saw through his stunning and impossibly gorgeous exterior to the dark and dangerous man inside–I’d felt the pull that came from finding the other half of myself. Just thinking of his name sent a heated flare of longing through my tightly strung body. I was sticky with sweat from an intense Krav Maga class, and my mind was spinning with thoughts of what the man I loved had done. Whenever I made the mistake of paying attention, I’d find my right foot pushing hard into the floorboard, my body instinctively trying to hit the brakes.īut for once, I didn’t need any distractions. To save my sanity, I’d learned to focus on the screen of my smartphone instead of the cars rushing by only inches away. Fearless to a fault, they sped and swerved through crowded streets with unnatural calm.
![]() 18 Wheels of Steel: Across America 18 Wheels of Steel: American Long Haul 18 Wheels of Steel: Extreme Trucker 18 Wheels of Steel: Extreme Truc1912 Titanic Mystery 1917 - The Alien Invasion DX 1931: Scheherazade at the Library of Pergamum 1953 - KGB Unleashed 1954 Alcatraz 1979 Revolution: Black Friday 198X 199X 1Heart 1NSANE 1Quest 200% Mixed Juice! 2064: Read Only Memories 20XX 222 Hearts 23 Sisters 25 to Life 2D Neon Cube 3 out of 10 3 Stars of Destiny 3000th Duel 303 Squadron: Battle of Britain 3079 30XX 33 Rounds 3D Hardcore Cube 3D Mini Golf 3D Pinball Space Cadet 3dSen PC 4 Elements 404Sight 428: Shibuya Scramble 4x4 Hummer 5 Realms of Cards 60 Parsecs! 60 Seconds! 6180 the moon 7 Billion Humans 7 Days To Die 7 Girls War 7 Grand Steps, Step 1: What Ancients Begat 7 Sexy Sins 7 Sins 7 Wonders II 7 Wonders: Ancient Alien Makeover 7 Wonders: Magical Mystery Tour 7 Wonders: Treasures of Seven 7554: Glorious Memories Revived 7th Legion 80 Days 80's Overdrive 88 Heroes 8-Bit Adventures: The Forgotten Journey Remastered Edition 8-Bit Armies 8-Bit Bayonetta 8-Bit Commando 8Bit Fiesta 8BitBoy™ 8DAYS 9 Clues 2: The Ward 9 Clues: The Secret of Serpent Creek 9.03m 911 Operator 911: First Responders 99 Levels to Hell 99 Spirits 99 Sprits - Cage of Night 99Vidas 9th Company - Roots of Terror 永冻之壳 The Shell of Permafrost A Bavarian Tale - Totgeschwiegen A Bird Story A Blind Legend A Boy and His Blob A City Sleeps A Dance Of Fire And Ice A Day in the Woods A dragon girl looks up at the endless sky A Druid's Duel A Fisherman's Tale A Foretold Affair A Game of Dwarves A Golden Wake A Good Snowman Is Hard To Build A Hat in Time A Hot Springs Vacation with my Married Office Lady Superior A Juggler's Tale A Kiss For The Petals - Maidens of Michael A Kiss For The Petals - Remembering How We Met A Knight's Quest A Last Will and Testament A Lazy Magic Teacher A Legend of Luca A Light in the Dark A Moment of Bliss A Monster's Expedition A Mortician's Tale A Nerd who has sex with girls in "Another world" has become a HERO A New Beginning A New Beginning - Final Cut A Normal Lost Phone A Petal Among Thorns A Pinch of Magic A Plague Tale: Innocence A Plague Tale: Requiem A Sceptic's Guide to Magic A Short Hike A Sky Full of Stars A Snake's Tale A Story About My Uncle A Stroke of Fate: Operation Valkyrie A Total War Saga: Troy A Tribute To Donkey Kong Country A Trip Abroad A Valley Without Wind A Valley Without Wind 2 A Vampire Story A Virus Named Tom A Walk In The Dark A Way Out A Wife And Mother A Winter's Daydream A Wizard Lizard A.D. KICK IT! (Drop That Beat Like an Ugly Baby) 10 Days to Save the World 10 Days under the Sea 10 Second Ninja 10,000,000 100 Doors Game - Escape from School 100 hidden birds 100% Hidden Objects 100% Orange Juice 1000 Amps 1001 Spikes 100ft Robot Golf 11-11 Memories Retold 12 is Better Than 6 12 Labours of Hercules 12 Labours of Hercules II: The Cretan Bull 12 Labours of Hercules III: Girl Power 12 Labours of Hercules IV: Mother Nature 12 Labours of Hercules V: Kids of Hellas 12 Labours of Hercules VI: Race for Olympus 12 Labours of Hercules VII: Fleecing the Fleece 140 15 Days 1602 AD 1701 A.D. Last Recode //TODO: today >Observer_ 007 Legends 007: Blood Stone 007: Nightfire 007: Quantum of Solace 0AD 0rbitalis 1 Screen Platformer 1 Screen Platformer: Prologue 1. ![]() ![]() ![]() There are 9,773 record(s) in this category. ![]() Free Online Converter to Convert FLAC to Mp3 Finally, Click the Convert button, the pop-up box will show you the progress and the converted files will be stored in your Original file folder.ģ.Then, Choose the Audio quality such as Less, Middle, Good, Super.Also, you can use the add button to add FLAC files in the converter Use Drag and Drop method to add the FLAC files in the app. Ues WinRAR or 7-zip to decompress and extract the Application file. Download the ALL2MP3 from developer website.You can use this converter to convert FLAC format to MP3 Format in Mac OS X.Īlso Read: Best Free Music Audio/Mp3 Players, Organizers and Managers and Editors, Convertors for MAC OS X In Mac OS X, you can use the free MP3 Converter “All2Mp3” which supports a wide range of Audio formats. Now, you can listen the FLAC file format in the Portable players and any unsupported players using the above process. Also, you can convert any file format to FLAC by choosing the FLAC in the Quality section.Click the Add Files button and choose the FLAC file and hit the “Convert” button.Next, Selec the “MP3 format” in the Quality dropdown options and set the Output folder to save the file.Now Click the MP3 and Audio and choose the Free Audio Converter.The Initial interface will show you all tools that Free Studio offers. It may take a while since It has many features other than converting Download and install Free Studio Manger.In this post, I’ll show you, how to use Free Studio Manager to Covert FLAC file format.Īlso Read: Best Free Music Audio/Mp3 Players, Organizers and Managers and Editors, Convertors for Windows 8 and 7 Also,the two applications offer more features like Video converting and playing RARE Audio files that even VLC and other media players don’t play them. The Free Studio Manager and Super are the two best Audio Converters. Many Free FLAC converters are available in the Internet, but here we choose the “Free Studio Manager” and “Super” for converting the FLAC Files to MP3 files. Here, I’ll show you how to convert FLAC to MP3 format in Windows, Mac OSX and using free online converter. Recommended Read: Best Free Video Converter to Convert Movies for Viewing in Smartphone The main advantage of FLAC is, you will never loss any audio quality when you convert FLAC to MP3 or other formats. In this situation, the only way to play FLAC files, you have to convert FLAC to MP3 Format to play in your portable player. FLAC format is supported by most media players, but many portable players don’t support the FLAC format. You can compress your huge audio files to smaller ones when you need portability with this FLAC format. FLAC Algorithm reduces the digital music up to 50–60% of its original size.įLAC is an Open format and freely distributed, and it is way better audio Codec when you compared with MP3, AAC in terms of quality. It is used to convert that is compress Audio files losslessly to a smaller size without compromising quality of the Music. FLAC is a Codec, stands for Free Lossless Audio Codec. ![]() Pilot a flying saucer and lay waste to an alien fortress. Ride a zip-line to escape mutant radioactive robots. Drink radioactive potions to grow to 50ft tall. Smash alien clowns in hovercraft bumper-cars. Ride soap bubbles across noxious lakes of slimy goo. Attack with 7 different types of space-age weapons Fight off giant radioactive killer vegetables.Ski behind giant metal beasts on a sea of toxic ooze. In Otto Matic has 10 levels on strange alien planets. Once The Giant Brain has been defeated and peace restored to the galaxy, you will return to Earth with your human cargo where they will be freed. To escape the planet you must also collect rocket fuel. Dj Otto Home Weddings Photo booths Availability & Contact Example Venues AV and Lighting 360 booth. When you save humans, they are teleported to your rocket ship. Otto Matic Mobile Music Seattle wedding DJ. While on each planet you must save as many humans as you can, but be careful because the Brain Aliens will try to abduct the humans before you can save them. What keeps Otto Matic fresh is the variety of enemies and how the player must use different weapons and power-ups to. ![]() Your rocket ship will take you to each of the planets, starting with Earth. The music in Otto Matic is in line with the theme of a campy sci-fi movie. Your mission will take you to strange and fantastic alien worlds which are often treacherous and will require Otto to perform amazing feats. You must rescue as many humans as you can while defeating the Brain Aliens and all of their evil followers. You are Otto Matic, the robot who is given the job of saving Earth from the clutches of The Giant Brain from Planet X. Luckily for the human race there exist the Otto Matics, robots who police the galaxy in name of all that is good and decent. These saucers are under the control of the evil Brain Aliens who are abducting helpless human beings and taking them away to strange alien worlds to become slaves of The Giant Brain. The year is 1957 and a fleet of flying saucers from Planet X have come to Earth. ![]() Michael Caton and Tiriel Mora in The Castle. Denuto’s famous submission was quoted in a NSW court judgment in 2010, while a Queensland lawyer sued for $250,000 in defamation damages after being described as “Dennis Denuto from Ipswich” ( he lost). The concept has found its way into many legal arguments, including in numerous hearings before the high court. In turn, the amorphous “vibe” has permeated the typically rarefied language of the legal world. ![]() “Indeed, Denuto makes so much of its ‘vibe’ that the Australian constitution – hitherto unknown in terms of its dramatic possibilities – practically becomes a leading character in the film.” MacNeil says the film corrected the cultural cringe that had previously seen Australian audiences more familiar with US or British legal dramas. “What is so refreshing about The Castle is its profound Australianness,” says William MacNeil, an honorary professor at the University of Queensland and leading expert on law and culture. It’s been a gift that keeps on giving for us.” The movie is often repeated on Channel Nine and is available to stream on Stan. ![]() In an interview last year with Radio New Zealand while promoting the TV series Utopia, Hirsh’s Working Dog colleague Rob Sitch said, “I think in some ways the smartest thing we did was stay out of the way. They have largely refused to speak publicly about the film executive producer Michael Hirsh declined an interview request from Guardian Australia. One reason for the film’s cult status is that its producers, Working Dog, have left The Castle to a life of its own. ![]() The NCH argues that denying people food is counterproductive: "Food is not an addiction food is necessary for survival,” writes the coalition. “Depriving a person of food means that she must put all of her energy into obtaining food and less energy on improving other aspects of her life.” The National Coalition on Homelessness (NCH) has written a series of reports about successful food-sharing programs that have debunked the “enabling hypothesis” on display in Caffé Vita’s email. McConnell is certainly correct that beliefs are not necessarily factual. It Turns Out That Feeding Homeless People Does Not Enable Homelessness When pressed on the issue, she told the story of a homeless person who, McConnell claimed, turned down a job offer at the cafe because “they said they preferred to stay on unemployment.” She added that providing “comprehensive solutions” was the most effective way to address homelessness and pointed to her support of nonprofits such as FareStart and Mary’s Place. When asked what evidence she uses to substantiate the belief that feeding homeless people enables homelessness, McConnell said “a belief isn’t saying anything that’s factual.” She also didn’t know if the company had protocol for drip coffee destined for the drain. McConnell said she believed the company had a pastry waste protocol, but she was “not sure” if any such protocol was listed in the employee handbook or elsewhere. Over the phone, Liz McConnell, who owns Caffé Vita along with her husband Mike McConnell, said information about employee terminations was “confidential,” though she said all the employees were fired "for cause." One employee, who wished to remain anonymous for fear of retaliation, said giving away gift cards would be dumb because the cards aren’t pre-loaded with cash. “In fact,” said Sylva, a barista who worked for the company for five years before recently resigning due to the aftermath of the firings, “I was told in my training to give away pastries to homeless people at the end of the night or to set them near the trash."Īll four employees who spoke with The Stranger also deny giving away gift cards or hearing of anyone giving away gift cards. Washington went on to write that “giving away products is theft and the grounds for immediate termination,” and then argued customers “will likely choose alternatives” if the cafe is “filled with homeless people.” The email concluded with an invitation to “discuss opportunities to volunteer or donate” to the company’s “charitable efforts aimed at homelessness” if employees wanted to “make a meaningful impact.”Īccording to Delon, upper management doesn’t require baristas to mark down the amount of remaining drip coffee or the number of remaining waste pastries. ![]() “Although these were well placed intentions, please understand, it is our belief that feeding homeless people without comprehensive services actually enables, increases and promotes homelessness.” “We’ve recently learned that some employees have been giving away Vita gift cards, food, and coffee to homeless people in the neighborhoods we occupy,” Washington wrote in the email. On September 6, the cafe’s now-former general manager, Isaiah Washington, sent an email to current and former employees laying out the policy. ![]() supporters of Caffé Vita baristas will gather outside the local coffee chain’s Capitol Hill location to protest a slew of firings and resignations that followed what they call the “sudden, harsh enforcement” of a company policy against giving homeless people old pastries and coffee. Caffé Vita on the Hill, one of ten locations across the country. ![]() Atelier Rorona Plus: The Alchemist of Arland*.Atelier Meruru – The Alchemist of Arland 3 -*.Atelier Escha & Logy ~Alchemists of the Dusk Sky~*.Yakuza 5 Remastered – Available 18th October 2022.Yakuza 4 Remastered – Available 18th October 2022.Yakuza 3 Remastered – Available 18th October 2022.Note: Sony has promised to offer NTSC versions alongside PAL versions of classic PS1 titles, though not necessarily at launch in your region. Disney Pixar Toy Story 2: Buzz Lightyear to the Rescue!.Sony has also chosen to include certain games with PS4 remasters in this group. Games marked with an * are restricted to certain regions, typically because they’re PS3 titles and game streaming is not available. On to the good stuff! PS Plus Premium Classic Game Catalogue *PS Plus Deluxe is offered in regions without game streaming availability. We always do our best to make the experience as smooth and fast as possible for our customers.Įxperience – We have been on the market since 2009 and know everything about gaming so we can help you with pretty much every question.So, with that in mind, what freebie games and game catalogues are available to the different tiers?Ĭlassic Game Library (PS2, PSP, PS1 & Remasters) Trustworthiness – We have thousands of positive feedbacks in Trustpilot and our average rating is 5/5. Price – thanks to our digital delivery we can skip the delivery and packaging costs which allows us to sell the games under the recommended retail price. Why should I prefer Punktid’s online store? Then you can just download, install and enjoy your new game! You can find more specific instructions under Code Activation Guide. Martian Underground – The truth behind an ancient evil will force Darius to wage a battle across the devastated Martian surface, beneath massive frozen glaciers, and over rivers of broiling magma.Ī digital code will be sent to your email address which you will then be able to redeem in Steam. ![]() Nano Forge – Unleash the devastating force of the Nano Forge with massive concussive blasts or reconstruct downed colonist defences with Geo-Mod 2.0. Seeking solace underground, an even greater threat emerges against humanity. Hell on Mars – Darius Mason can only watch as the surface of Mars is destroyed. Ruin Mode – Master the tools of destruction in competitive and casual destruction-based modes. Infestation Mode – Survive waves of enemy hordes in a 1-4 player cooperative, objective-based experience. The battle will take them across the storm-blasted planet-and below it, to the very heart of the unspeakable threat. As Colonist and Marauder settlements are torn asunder, only Darius and the Red Faction can save mankind. When Darius is tricked into reopening a mysterious shaft in an old Marauder temple, he releases a long-dormant evil and unleashes Armageddon on Mars. Few sane people now venture to the ravaged surface, aside from contractors like Darius and the smugglers who run goods between the settlements. Mining, scavenging, mercenary work-if the job is dangerous, Darius is your man. To survive, the Colonists flee to the underground mines and build a network of habitable caves.įive years later, Darius Mason, grandson of Martian Revolution heroes Alec Mason and Samanya, runs a lucrative business from Bastion, underground hub of Colonist activity. When the massive Terraformer that supplies Mars with its Earth-like air and weather is destroyed, the atmosphere turns to chaos, super-tornados and lightning storms engulf the planet. Half a century after the Red Faction resistance and their Marauder allies freed Mars from the brutal Earth Defense Force, harmony on Mars is again threatened but this time by a lethal force shrouded in mystery. Official Steam activation code for redeeming the game Red Faction Armageddon Collection on your Steam account. Compare that to the average mutual fund fee of 2.22% and you’ll see how much you’re saving on yearly investment fees, which in turn help you keep more of your money. Questwealth’s management fee ranges from 0.20% to 0.25% depending on your account balance.Ĭurrently, if you invest $20,000 in a Questwealth Balanced Portfolio the total fee would be 0.38% (0.25% management fee + a Portfolio MER of 0.13%). So when comparing the MER of a mutual fund to the total cost of Questwealth Portfolios, you have to look at the mutual fund MER versus Questwealth’s management fee + MER of the specific portfolio you’re in. ![]() Expense ratios vary widely, depending on the investment strategy used by the fund. Expense ratios cover the operating expenses of a mutual fund or ETF, including. To determine our housing expense ratio, we’ll divide our expense (1,925.50) by our income (7,167.58). Expense Ratio: The Fee You Pay For Funds Understanding Expense Ratios. For this example, we’ll use the median family gross income (annual pre-tax earnings) of 86,011. There are two methodologies to measure the expense ratio: a trade basis, which is when the expense is divided by written premium, and on a statutory basis. Heres how its calculated, and how low it should be. In a mutual fund, the MER goes toward paying the financial advisor, the mutual fund company, and the bank, as well as other expenses. The next step is to compare your expenses to your pre-tax income. Understanding Mutual Fund Expense Ratios - SmartAsset A mutual funds fees can cut into your investment returns. Since Questwealth Portfolios invest exclusively in ETFs, there is an MER associated with each portfolio. Operating expense ratio can be explained as a way of quantifying the cost of operating a piece of property compared to the income brought in by that property. defines expense ratio as, the percentage of a funds assets paid for operating expenses and management fees, including 12b-1, administrative fees, and all. ![]() This fee is called an MER (management expense ratio) and is charged by the fund company managing it and built into its price. When you invest in a fund, like a mutual fund or an ETF (exchange-traded fund), there’s a fee associated with the investment. |
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