![]() ![]() These fiduciaries answer your investment and retirement questions, set up a comprehensive financial plan and evaluate how well you’re meeting your goals. Perhaps of most interest to you will be access to live financial professionals. If you have $100,000 in assets to manage and you’re willing to pay higher fees, you’ll gain access to Personal Capital’s robo-advisor wealth management features. The investment checkup grades your asset allocation-is your portfolio too aggressive or conservative?-and recommends a target allocation of stocks and bonds. The retirement fee analyzer shows you how much you’re paying in annual expenses, what that’s costing you over time and whether your fee burden is higher than it should be. Savers unsure of where they stand in relation to their retirement goals should use this tool even if they don’t end up becoming a paying Personal Capital customer.įor the medium term, Personal Capital has a savings planner, which tells if you’re saving enough yearly to meet your retirement goals, how well your emergency fund is stocked and how much progress you’ve made on paying down your debts. Enter in some biographical information, from age to income to savings behavior, and the platform will spit out a “retirement planner” page that shows you how much you’re likely to have and what you can count on from Social Security while offering improvements you can make to improve your situation. Personal Capital offers an impressive interactive investment planning dashboard. This is a handy tool that allows you to quickly compare your portfolio performance and see where your money is invested. ![]() Link your investment accounts, and you can see how well your portfolio has performed via what Personal Capital has trademarked as the “You Index.” Essentially it combines your assets-from cash to bonds to stocks-and compares the performance to broad indexes, like the S&P 500 or a blended account. You can also allow Personal Capital to monitor your investment accounts, which also unlocks a free investment review feature. Personal Capital’s Free Investment Planning Features As a bonus, the app itself is easy to use and available on Android and iOS. By linking to your mortgage, car loan and any other loan accounts, Personal Capital will give you a heads up when bills are due. This useful tool helps you get a handle on how much money you have coming in and going out each month. You can see your net worth, monthly cash flow and how your budget has changed over the past several months. Link your financial accounts to Personal Capital’s platform, and you gain access to a dashboard that looks a lot like Mint or other rival budgeting apps. Personal Capital’s Free Budgeting Platform Think of Personal Capital as a synthesis between a high-end robo-advisor and a budgeting app, which means you can let the Redwood Shores, Calif.-based company manage your entire financial life, if you’re so inclined. For instance, those with less than $1 million in assets under management pay 0.89% in fees at Personal Capital, compared to 0.40% at competitor Betterment’s premium service with financial advisor access. Put it together, and only a sliver of the public will have sufficient assets to qualify for Personal Capital’s investment services-unlike competitors such as Acorns, Betterment or Wealthfront, which have low or zero minimum balance requirements.īut if you can meet the investment minimum and want access to financial planning professionals, that may help justify Personal Capital’s high fees, though even these may be more than you would pay for comparable service at other robo-advisors. Only slightly more than half of households own stocks, with a median amount of $40,000.households have any sort of retirement savings, with a median amount of just $65,000. Research from the Federal Reserve shows that the median amount of financial assets among all U.S.The first point narrows the field quite a bit: Is willing to pay higher fees to chat with a live financial professional.Has already accrued $100,000 in investment savings.Meanwhile, Personal Capital’s robo-advisor platform makes the most sense for a very specific sort of person. Anyone interested in getting a holistic view of their finances would benefit from this all-in-one solution, which nabbed it the top spot in Forbes Advisor’s ranking of best budgeting apps. The latter provides a nice-looking budgeting dashboard that lets you sync your financial accounts to keep tabs on your day-to-day spending and cash flow. ![]() Personal Capital’s product offering is twofold: a full-featured robo-advisor platform and a suite of free financial management tools. ![]()
0 Comments
![]() ![]() Since seborrheic dermatitis itself can be drying to your skin, by the time you start applying an antifungal treatment, your skin could be in need of some extra hydration. This beta-hydroxy acid removes the dead cells that build up on the surface of the skin, forming unsightly, stubborn, and itchy patches of scaly or flaky skin. Salicylic Acid: Joshua Zeichner, M.D., associate professor of dermatology at Mount Sinai Hospital in New York City, says that if your seborrheic dermatitis consists of thick crust or patchy scales, it can help to choose a shampoo with salicylic acid.If you do opt for the shampoo, make sure to follow the directions on the packaging it’s usually recommended that you only use it twice per week or every three days on the scalp. You can find this ingredient in a popular OTC shampoo called Nizoral, but it’s more often administered in a prescription topical cream. Ketoconazole: This antifungal has more uses than some of the other antifungals on this list, and can be prescribed to treat everything from athlete’s foot to tinea versicolor to ringworm.Some products contain both selenium sulfide and zinc pyrithione. It can be a little harsher than zinc pyrithione, though, so it's best to start slow by using the product only a couple of times per week at first (then building up from there), keeping an eye out for skin irritation. Selenium Sulfide: Selenium sulfide is an antifungal that can slow down the overgrowth of yeast on your scalp and skin.It may also be available as a cream and is often recommended for daily use. Because zinc has powerful antifungal properties, it’s good at killing yeast overgrowth. Zinc Pyrithione: Zinc pyrithione is an antimicrobial that is often listed as the active ingredient in OTC dandruff shampoos.Here are some of the ingredients you should look for when shopping for an antifungal shampoo: Caren Campbell, M.D., “and coconut oil doesn't help oil-based products only increase the oil-rich environment the yeast already likes to grow in.” “Tea tree oil gets a lot of airplay for seborrheic dermatitis, but the antifungal agents are much more effective,” says San Francisco-based board-certified dermatologist Dr. If you want to tackle yeast, you need a shampoo containing antifungal ingredients like zinc or ketoconazole. While it’s tempting to use that all-natural remedy for dry scalp you found on Pinterest, it probably won’t do the trick when it comes to treating dandruff. What to Look for in Shampoos for Seborrheic Dermatitis Antifungal Ingredients We recommend them without reservation.Ĥ.5 to 4.7 stars: These shampoos for seborrheic dermatitis are excellent-they might have minor flaws, but we still recommend them.Ĥ.0 to 4.5 stars: We think these are great shampoos for seborrheic dermatitis, but others are better.ģ.5 to 3.9 stars: These shampoos for seborrheic dermatitis are just average.ģ.4 and below: We don't recommend shampoos for seborrheic dermatitis with this rating you won't find any on our list. 4.8 to 5 stars: These are the best shampoos for seborrheic dermatitis we reviewed. ![]() ![]() We reserve the right to end listings early.
![]() Mallory Legg is the secretary of FMDT’s Board of Directors and serves on our Officers, Finance, Trust, and Expansion Committees. In addition to her FMDT Board duties, Jill works with the Associated Jewish Federation of Baltimore, Kennedy Krieger Institute’s Planned Giving Advisory Council, the Baltimore County Food Agent for the Department of Aging, and the Baltimore County Bar Association’s Sixty Plus Legal Program.Īway from the office, Jill enjoys spending time with her husband and three sons, swimming, hiking, and traveling. She has been a Maryland State Bar Association member since 1996, where she also volunteers as a Law Day Coordinator. Jill holds a Bachelor of Arts in Public Policy Studies from Duke University and graduated cum laude from Georgetown University Law Center. She specializes in estate planning, probate administration, and small business planning. Before opening her practice, she worked as a senior attorney for the U.S. Jill is the sole proprietor of her own law firm, the Law Office of Jill A. As an experienced estate and trust planning attorney, she also lends her expertise to our Trust Committee. Jill Snyder has been an FMDT Board Member since 2017. A Marylander through and through, he lives in Baltimore and describes himself as a “diehard” Baltimore Ravens and University of Maryland basketball fan. Īlex enjoys spending his free time outdoors cycling, running, hiking, and exercising. Īlex belongs to the National Academy of Elder Law Attorneys, the National Elder Law Foundation, the Maryland State Bar Association, the Baltimore County Bar Association, and the Baltimore City Bar Association. ![]() Alex has also been an adjunct professor at the University of Baltimore School of Law and a guest lecturer on legal issues and the elderly at the Johns Hopkins University Odyssey Program. He is a Certified Elder Law Attorney and has practiced as an elder law attorney since 2012. He also earned a Juris Doctor degree from the University of Baltimore. Having experiences on both sides of the equation allows him to bring helpful suggestions that promote beneficial solutions.Īlex has a Bachelor of Science in Business Accounting from the University of Maryland, College Park Robert H. While serving as a fiduciary as both a court-appointed guardian and trustee, Alex gained an understanding of fiduciary duties and beneficiaries’ points of view. ![]() He has worked first-hand with FMDT clients, giving him a deep understanding of the beneficiary’s perspective and needs. His expertise in elder law makes him a valuable asset to our board.Īlex’s legal practice has included special needs planning for almost ten years. He is an attorney with Frank, Frank, & Scherr, LLC, where he specializes in estate, special needs, and medical assistance planning, as well as trust administration and guardianships. He also holds roles on the Trust and Governance Committees. Alex Zarzecki has served on the FMDT Board of Directors since the spring of 2021. ![]() ![]() ![]() The PC/PlayStation/Xbox versions have 8–11 spots placed on the corners and main base, while the Switch version only has 4, making for a weak defensive set-up. In Garden and Graveyard Ops there are fewer spawnable pots or bot spots. In addition, players can now interact with all 12 Prize Maps at any time, and the prize bulb limit is now 999 instead of 50. The PvE regions are strictly singleplayer-only as opposed to being able to co-op with friends, and the Turf Takeover is 8v8 as opposed to 12v12 (making it identical to Turf Takeover Tactical). The graphics are rather crunchy and a bit pixelated. Rainbow Stars are removed, with items instead being purchased with Coins. The differences from other versions include an option to play the game without an internet connection running at a lower framerate, being 30 FPS compared to 60 FPS. ![]() Now the Plants and Zombies battle once more. The plants once again had control of Suburbia, and humans did not have to worry about their brains being eaten until the zombies escaped. The plants presumably won the battle for Zomburbia and trapped all of the zombies in a "Smell Jar". Zombies: Battle for Neighborville takes place after the events of Garden Warfare 2. Zombies: Battle for Neighborville came to the Nintendo Switch on March 19, 2021. Despite this, a 'Complete edition" of Plants vs. On September 29th, 2020, Battle for Neighborville received its final content update. On September 1st, 2020, however, PopCap announced it would be discontinuing the game in a month due to its commercial failure. On June 5th, 2020, it was made available for purchase on Steam. It was released as a 'Founder's Edition' on September 4, 2019, and was available to purchase until September 30, 2019, with the worldwide release coming out on October 18th. Zombies: BfN, or simply Battle for Neighborville) is a third-person shooter and platformer video game developed by PopCap Games and published by Electronic Arts. Zombies: Battle for Neighborville (abbreviated as PvZ: BfN, PvZ: Battle for Neighborville, Plants vs. ![]() ![]() Multi-stream testing overcomes the need for the speed test server to be physically very close to your location. This is the worlds first multi-stream HTML5 speed test.The traffic must have made an impression on them because a few years later the CEO quit to start. One of the first ISPs to donate bandwidth was a company called Speakeasy. Last time we checked it had logged over 150 million tests. It was a Java applet and did a simple staged download and upload. 15 years ago we launched the very first popular broadband speed test. The closer to the server the higher speeds can be obtained by the client operating system. Generally the ultimate speed limit is not the server speed but the distance to the server. They are currently capable of running from 300 megabit for the smaller servers to over 2 gigabit for the faster servers. The servers are dedicated to speed testing and monitored for performance. This can be limited by several factors including the distance to the test servers, the operating system in use, the traffic en-route, and of course any congestion or wiring problems close to your location. The speed test attempts to take your network connection to its maximum speed. Speeds are quoted in megabits per second (1 million bits per second) or kilobits per second (1000 bits per second) of data. The test should take no longer than one minute to complete. It does a multiple stream download and upload to servers it determines may be closest to your location. A speed test checks the maximum speed of your connection to a remote server on the internet. ![]() ![]() ![]() pinarello prince ultegra 11s badger garbage disposal reset neato d7 not. The included Media Face v2. The label Chicano is sometimes used interchangeably with Mexican American. Category: CD & DVD Tools Developer: CDCoverSoft Download Price: 29. ![]() AudioLabel can automatically find your album information. Our cd label maker has been specifically designed for the audio enthusiast. (Software to design CD covers with Neato CD DVD Complete (US) labels support!)ĭVD label creator software pyl?ne a number of00 CD DVD surface printers, including: Canon iP4870, Canon iP8700 Series, Canon MG5320, Canon MG7550, Canon MG8220, Canon TS8060, Epson Artisan 700, Epson Expression XP-860, Epson PX-G900, Epson Stylus Photo R300, Epson Stylus Photo TX650, HP Photosmart C5500 series, HP Photosmart D5445 and as a result similar.ĭVD labels maker software pyl?ne a number of00 CD DVD label papers, including: Ace 30500 series, Avery 8692, Avery Maxell J87361, Boma LD001, Data Becker 3-up, DECAdry OLW-4744, HP CDR3000A 3-up, LabelWhiz LW60300, Meritline 3-up US, Pimaco CD DVD A4, Printer Creations, TDK CD DVD, Zweckform 6074 and as a result similar. Design professional looking CD/DVD labels and jewel case inserts on your own computer with the Fellowes/Neato Labeler Kit. AudioLabel is smart cd label software that helps you create and print cd covers, jewel case inserts, and DVD case labels. ![]() ![]()
![]() ![]() There’s also an iOS version on the way, but it’s not yet available to the public. If you’re looking for a powerful, open source RSS reader for macOS, I highly recommend checking it out. NetNewsWire 5.0 is available in public beta now as a free download.
![]() ![]() This reduces the levels of ammonia and nitrite in the water which are toxic for koi. Biological filtration is the addition of beneficial bacteria into the pond.The mechanical filtration part of the system will catch debris as it floats through the water.An ideal settling chamber size for koi fish ponds is 40 in (1.0 m) deep and 40 in (1.0 m) in diameter. The settling chamber makes it easy for you to remove debris from the pond to keep it clean. ![]() Install the individual parts in the pond as per the installation directions. Set up the filtration system box right next to the koi pond.This keeps the pond clean and the water quality high so that the koi stay healthy. All pond filtration systems involve a bottom drain, a settling chamber, mechanical filtration, and biological processing. Purchase a filtration system from a pond equipment supplier and follow the installation directions closely. Install a filtration system into the koi fish pond. A natural pond contains native plants and a freeform design. Larger ponds installed by professionals will cost more, coming in closer to 5,000 or even as much as 50,000 for something more extravagant. You can put masonry blocks or something with holes where they can hide. Koi pond costs vary, but a simple home starter kit runs approximately 70 for a 9-foot, 84-gallon pond.To prevent turtles and birds from wiping out all the beautiful fish, make sure the pond is deep enough so the fish can hide and make hiding spots at the bottom.You will need these volume measurements for the upkeep of the water quality in the pond. To calculate the volume of the pond in gallons, multiply the volume in cubic feet by 7.5. To calculate the volume of the pond in cubic feet, multiply the depth by the width by the length. Once you have determined the size and depth of the pond, you will be able to calculate the estimated volume.It's important that the pond is a minimum of 3 feet (0.91 m) as this makes it less likely to fully freeze over during winter.Some ponds for koi that are raised for competitions reach a depth of 6–8 feet (1.8–2.4 m), however, for beginners and hobby koi enthusiasts, having a deeper pond isn't necessary. A good size for a hobby koi pond is 3–4 feet (0.91–1.22 m) deep. Make your koi pond 3–4 feet (0.91–1.22 m) deep. ![]() |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |