![]() ![]() The Nuggets have looked like the more well-rounded team all series, but the Suns have stayed relevant thanks to elite shot-making from Booker and Durant. Let’s breakdown the matchup, discuss the odds and make give out some Nuggets vs. Can Phoenix get enough from its role players to win at home, or will Denver bounce back and take a 3-1 series lead? Game 4 isn’t as much of a historical spot for either team, so it will come down to individual matchups and game script. ![]() ![]() The Game 3 result shouldn't have been a surprise as home favorites in Game 3 have been historically profitable, going 35-22-2 against the spread (18.7% ROI) and 41-18 on the moneyline (9.2% ROI) since 2004. They say role players play better at home, but Kevin Durant was the only other Suns player to score in double figures. Below, we'll go over picks on which side will take Game 4, as well as a couple player props.ĭevin Booker had a monster Game 3, willing the Phoenix Suns to a 121-114 victory in its first home game of the series. Suns odds have Phoenix installed as a home favorite for Game 4. The 36-year-old became the oldest player in league history to register 20 points, 10 assists and five rebounds in a playoff game.Odds via FanDuel. He was magnificent down the stretch, scoring 14 of his 21 points on 6-of-6 shooting in the fourth quarter. the Lakers and averaged only 9.2 points and 7.7 assists in the series, but the 11-time All-Star played superbly in Monday's win. Point guard Chris Paul injured his shoulder in Game 1 vs. Porter, who finished with 15 points and seven boards, was listed as questionable for Game 2, although Nuggets coach Michael Malone expressed confidence that he would be "good to go." Aaron Gordon had his highest output of the playoffs with 18 points and has scored at least 13 in six of his last seven contests. Jokic became the first center to win MVP honors since Shaquille O'Neal in 2000.Īnother troubling development for Denver was a back issue that limited second-leading scorer Michael Porter Jr. More surprisingly, Jokic did not have a point, rebound or assist in the fourth quarter - a shocking development for a player who averaged close to a triple-double per game in the regular season. Those numbers paled in comparison to his series averages of 33.0 points and 10.5 rebounds against the Portland Trail Blazers in the first round. Jokic just missed a double-double in Game 1 with 22 points and nine rebounds. Now, here are several NBA odds and betting trends for Suns vs. You can head to SportsLine to see its picks. Now, the model has set its sights on Nuggets vs. Anybody who has followed it has seen huge returns. The model is up almost $900 on its top-rated picks this season and entered the conference semifinals of the 2021 NBA Playoffs on a stunning 100-66 roll on top-rated NBA picks against the spread dating back to last season. The SportsLine Projection Model simulates every NBA game 10,000 times and has returned over $9,100 in profit on its top-rated NBA picks over the past two-plus seasons. Suns picks, be sure to see the NBA predictions and betting advice from SportsLine's proven computer model. William Hill Sportsbook lists the Suns as five-point favorites, while the over-under for total points scored is 224.5 in the latest Suns vs. Portland, return to the court 24 hours after center Nikola Jokic was named NBA MVP. The Nuggets, who also lost the opener in the first round vs. Denver and now are bidding to take a 2-0 series lead. The Suns, who eliminated the defending NBA champion Los Angeles Lakers in the first round, used a 65-point second half en route to a 122-105 victory in Game 1 vs. The Phoenix Suns seek to run their postseason winning streak to five games when they host the Denver Nuggets in the second game of their Western Conference semifinal series on Wednesday night. ![]()
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![]() ![]() For example, you can adjust the audio quality, file format, bit rate, and compression settings. When you export a track or project in GarageBand, you can choose from various options to customize the audio file to your liking. ![]() Exporting, on the other hand, creates a final audio file that can be played on various devices and platforms, without the need for GarageBand or any other music production software. Saving a project in GarageBand allows you to keep your work-in-progress project file, complete with all the individual tracks, effects, and settings. Secondly, it’s worth noting that exporting is different from saving a project. This audio file can be saved in various formats, such as MP3, WAV, or AIFF, depending on your needs and preferences. But before you dive into exporting, it’s important to understand the basics of how it works.įirst off, when you export a track or project in GarageBand, you’re essentially creating a new audio file that contains all the recorded and edited sounds in your project. It allows you to share your music with others, publish it to various platforms, or back it up for safekeeping. In GarageBand, exporting your music projects is a crucial step in the creative process. Additionally, we’ll show you how to use the Master track to export your music and how to share your work via iTunes and SoundCloud.īy following our professional tips, you’ll be able to export your music projects with ease and get your music heard by a wider audience. We’ll cover everything from understanding how exporting works to preparing your project for export and exporting a single track or multiple tracks. In this article, we will guide you through the basics of exporting tracks in GarageBand. ![]() Whether you’re sending your music to a collaborator, sharing it with friends, or submitting your work to online platforms, exporting your tracks is a critical step. If you’re a music producer or composer using GarageBand, then you know that exporting your tracks is an essential part of the music creation process. ![]() ![]() ![]() After removing the sheet of iron, Annabeth ran toward Luke with her hammer and almost brained him with it, thinking he was a monster. After escaping, Thalia and Luke heard a noise coming from it and investigated the sound. She then fought monsters under the guidance of her immortal mother for a few months, using only a hammer.Ī seven-year-old Annabeth was hiding under a sheet of corrugated iron in Richmond Ironworks, the same alley twelve-year-old Thalia Grace and fourteen-year-old Luke Castellan were hiding in once they escaped the house of monsters. By the time, she got dressed each morning, the marks of the painful bites inflicted on her had already faded, leaving the cobwebs, which didn't make for a convincing proof.Īs a result, Annabeth ran away from home at the young age of seven, thinking her family hated her. Whenever her stepmother came into her bedroom, the spiders would hide, so her stepmother thought Annabeth was making it up to scare her stepbrothers and refused to call Frederick. She would subsequently scream for her father, who was always away for work, so her stepmother would see her. Her skin was freckled with bites and cobwebs covered her eyes, mouth, and nose. Natalie also appeared to take Magnus away, and Annabeth would not see her cousin for years after that.Īs revealed in The Mark of Athena, Annabeth was assaulted by a flood of spiders sent by Arachne at night for three days. A few moments later, Frederick and Annabeth left. Annabeth, while constructing a pantheon out of a set of Randolph's runestones, told Magnus to be careful, and that she was going to run away. Magnus and Annabeth played in an upper level of the house while the parents argued. This included her oldest uncle, Randolph, and her aunt Natalie and her son Magnus Chase, who was, unbeknownst to Annabeth, a demigod son of Frey. When Annabeth was seven years old, she and her father visited their family for Thanksgiving at the Chase Mansion in Boston. Since she was a demigod, Annabeth was a target for monsters which caused constant fighting between her and her parents, who felt that she was constantly putting everyone in danger. When she was five, her father got married and had two sons with her step-mother, the twins Matthew and Bobby. In the end, he had no choice but to reluctantly take Annabeth in and care for her as well as he could.Īnnabeth took the last name of her father. Athena refused and told Frederick that heroes were supposed to be raised by their mortal parents and not their godly ones. ![]() Her father asked her mother to take her back to Olympus and raise her there, as he didn't see Annabeth as a gift the way Athena did because he didn't know their relationship would result in a child and wasn't prepared to take care of her. She was considered a "Brain child" like all other children of Athena, which means that they were born from the thoughts of the goddess.Īnnabeth appeared on Frederick's doorstep in a golden cradle carried down from Olympus by Zephyros (or "Zephyr"), the West Wind. Shortly after, On July 12, 1993, Athena sent him their daughter, a girl named Annabeth Chase, as a gift. ![]() She helped him get through his studies consequently, they fell in love. 15.1 Percy Jackson and the Olympians: The Lightning Thiefįrederick Chase met Athena, the goddess of wisdom, battle, and handicrafts, while he was studying History at Harvard.10 The Sun and the Star: A Nico di Angelo Adventure.3.2 Percy Jackson and the Singer of Apollo.2.5.1 Percy Jackson and the Bronze Dragon. ![]() ![]() ![]() It also supports other file formats like. We also offer value added products for specific applications based on ActCAD: – ActCAD Nesting – ActCAD Dials & Scales – ActCAD CNC Post Processor ActCAD uses the latest IntelliCAD 10.1a Engine, Open Design Alliance, dwg/dxf Libraries, ACIS 3D Modeling Kernel, and many other Technologies which ensures file support right from the early R2.5 to the latest 2023 Version of dwg/dxf. We offer two product options: – ActCAD Standard for 2D Drafting Power Users – ActCAD Prime for 2D Drafting, 3D Modeling and BIM (Building Information Modeling) functionality ActCAD can be used for applications across domains Architecture, Engineering, Construction (AEC) including Structural, Electrical and Mechanical. Pass the design to SketchList 3D for cut lists and shop drawing generation.ĪctCAD is a 2D & 3D CAD software with functionality of the industry leaders. Adjust as needed for sizes, materials, and construction methods. Cabinet Wizard requires 3 simple steps: 1. It’s an automated woodworking design furniture software that assists you in creating beautiful furniture and cabinetry designs fast and with ease. You can design any type of furniture you wish: chairs, benches, tables, closets, fences, office furniture, and much more! Cabinet Wizard is a SketchList 3D add-on. ![]() Pro allows you to: ✔ Design detailed virtual plans with just a few clicks ✔ Easily adjust your entire design in seconds ✔ Produce 3D renderings of your design to share with clients or on your website ✔ Automatically generate detailed reports for planning, purchasing, and producing SketchList 3D Hobby is used by woodworking enthusiasts who enjoy creating designs for their DIY projects. SketchList 3D Pro is perfect for woodworking professionals who want to streamline their whole production. With SketchList 3D, you can create custom 3D wood designs quicker and with more accuracy. Gone are the days of pen and paper calculations! SketchList 3D is a custom woodworking design software that enables professionals and hobbyists alike to take their projects to the next level. ![]() ![]() ![]() To show all sides of the story and provide players with different Fire Emblem experiences, the game was split up into multiple versions. To this end, writer Shin Kibayashi was brought in. The team's main concern was adding new features and refinements to the original gameplay, and improving the story, which had received criticism from some fans. The gameplay, which revolves around tactical movement of units across a grid-based battlefield, shares many mechanics with previous Fire Emblem games, although some elements are unique to each scenario.Īfter the critical and commercial success of Awakening, development began on Fates, with the staff of Awakening returning to their previous roles. In Revelation, the Avatar rallies both sides against the true mastermind behind the war. The overarching story follows the protagonist, a customizable Avatar named Corrin by default, as they are unwillingly drawn into a war between the Kingdoms of Hoshido (their birthplace) and Nohr (their adopted home), and must choose which side to support. Unlike previous titles, Fates was released in three versions, each following a different storyline centered on the same characters: Birthright and Conquest as physical releases, and Revelation as downloadable content. It is the fourteenth installment in the Fire Emblem series and the second to be developed for Nintendo 3DS after Fire Emblem Awakening. ![]() ![]() It was released in June 2015 in Japan, then released internationally in 2016. Fire Emblem Fates is a tactical role-playing video game for the Nintendo 3DS handheld video game console, developed by Intelligent Systems and Nintendo SPD and published by Nintendo. ![]() ![]() The new feature will be launched in a beta mode as we are still working on improving the image quality. The dust and spot have been split into two separate cursor tools instead of a shared tool. The cursor tool is still available for manually removing dust spots. The old Spot Removal tool has been reworked to focus on Dust Removal with an AI-driven automatic removal option.Īutomatically removing dust works both on individual images and batches. Remove dust spots from your photos in a single click. However, they will not zoom in more than 100% to make sure a proper sharpness evaluation is possible. The two options for limiting the zoom level will make sure Face Focus doesn’t zoom in too much if the eye or face of your subject are very big compared to the resolution. ![]() It has five different options for the zoom level: Immediately evaluate sharpness and facial expression of your subjects when culling in the Importer or the Cull window.įace Focus is available from the top menu when the large Viewer is enabled. See how to set-up wireless tethering on these cameras. In addition to working wirelessly, tethering also works via network cable using the Fujifilm FT-HX grip with a compatible camera. Supported cameras as of Capture One 16.2: New reviewer roles for Capture One LiveĬapture One 16.2 introduces the ability to wirelessly tether select Fujifilm cameras. ![]() Email notifications for Capture One Live.User Experience & Performance Improvements.Custom Shortcuts (Styles & ‘Edit With.’).Wireless tethering for Fujifilm cameras.Previous release notes can be found here.Ĭapture One 23 (16.2.0) is a feature release containing new features and functionality, new camera and lens support, along with important bug fixes. The trial is also included in the installer and is registered as the full product upon activation. ![]() It offers state-of-the-art tethered capture, powerful digital asset management, extensive adjustment tools, and a flexible workflow through customizable workspaces.Īll run modes are included in one installer and the run mode is determined by the license key that is used. Capture One is a powerful RAW converter offering you ultimate image quality with beautiful colors and incredible detail. ![]() ![]() ![]() ![]() Mandala Desk provides a soothing drawing experience with playback options, customizable colors, fill tools, and pencil brushes. Unleash your inner pixel artist and bring your 8-bit visions to life. This grid-based tool empowers both enthusiasts and newcomers to design precise pixel images, sprites, and icons with old-school charm. Craft intricate digital art reminiscent of retro video games and 8-bit graphics. Sharing your ideas with the community is simple.Įxperience nostalgia and creativity with our 'Pixel Art' feature. Simple drawing tools like Doodle enable you jot down ideas and share them with others. Image-based drawing allows artists to use existing images as references or foundations for their artwork, enhancing precision and creative possibilities. Blur and blend colors, transforming your digital canvas into a masterpiece that captures the essence of movement and emotion. Unleash your creative flow with the Smudge Art feature. ![]() Undo/redo, zoom, and easy export and sharing options make it a powerful choice for digital artists. With features like layer transformation, brush adjustment, glowing lines, and 3D Touch compatibility, it provides a versatile and immersive drawing experience. Sketch Book is a feature-rich digital art tool offering 200+ brushes, 12 popular brush categories, and advanced layer support. Enjoy a full-screen workspace, automatic saving, and easy sharing with 100+ custom drawing tools. It features popular canvases, customizable brush settings, photo import and editing, text addition, rotation and scaling, 200 HD stickers, undo/redo options, rulers, and various shapes. With our intuitive interface and comprehensive set of tools, you can unleash your inner artist and bring your imagination to life on a digital canvas.ĭrawing Desk offers a comprehensive digital art experience with 105 precise drawing tools, including pens, pencils, and brushes. Welcome to our painting app, where the canvas is your playground and creativity knows no bounds. ![]() ![]() ![]() If you are required by a court to provide funds to a divorced spouse, children or dependents, the 10% penalty can be waived. If you incur unreimbursed medical expenses that are greater than 10% of your adjusted gross income in that year, you can pay for them out of an IRA without incurring a penalty.įor a 401(k) withdrawal, the penalty will likely be waived if your unreimbursed medical expenses exceed 7.5% of your adjusted gross income for the year. There are a few exceptions, but education expenses are usually not one of them. Some providers do not allow hardship withdrawals at all.īasically, hardship withdrawals mean you’re able to take money from your 401(k) before age 59½, but most of the time you will still be hit with the penalty. Make sure you know what will qualify under your specific plan. Expenses eligible for a hardship withdrawal will vary depending on your 401(k) plan administrator. Some 401(k) plans will allow what is called a hardship withdrawal, with education expenses sometimes falling under this clause. Anyone wanting to tap retirement funds early should talk to their financial advisor. 2 These exceptions may make it possible for you to tap your retirement savings in a time of need without having to pay the extra penalty.Īlthough these exceptions may enable you to avoid the 10% penalty, you will still owe income tax on any premature IRA or 401(k) distributions.Īlso, remember these are broad outlines. Sometimes, there are circumstances when it’s difficult to avoid tapping into retirement accounts - 10% penalty or no.īefore you pay the penalty, be aware that there are several circumstances under which the IRS grants exceptions to the 10% penalty rule. What are penalty-free exceptions for an early 401(k) or IRA withdrawal? You will still be taxed if you withdraw the funds early or before the account has aged five years.There are income limits on contributing to a Roth IRA.Some people find the ease of access comforting. While that money is locked up until later in life, it can become a powerful resource in retirement.Ĭonsider contributing to a Roth IRA, if you qualify for one.īecause contributions to Roth accounts are after tax, you are typically able to withdraw from one with fewer consequences. There is no way they can access it before retirement. People working towards a pension tend to forget about it until they retire. Try to think of your retirement savings accounts like a pension. Do not allow lifestyle inflation to put your future self in a bind. But your future self may be neither of those things. If you are relatively early on in your career, you may be single and financially flexible. Rather than putting money away, you are actually paying it forward. Before you take any money out, ask yourself an important question: Retirement may feel like an intangible future event, but hopefully, it will be your reality some day. What to ask yourself before making a withdrawal from your retirement account You may also owe both federal income tax and relevant state tax. 1 This tax is designed to encourage long-term participation in employer-sponsored retirement plans. The IRS levies a 10% additional tax on early withdrawals from a 401(k) plan. ![]() How much tax do I pay on an early 401(k) withdrawal? ![]() ![]() In general, it’s a good idea to avoid tapping any retirement money until you’ve reached age 59½. But that can start to fall apart if you use it like a bank account in the years preceding retirement. It gives you flexibility to change jobs without losing your savings. The 401(k) can be a boon to your retirement plan. 10% penalty on the amount that you withdraw.Federal income tax (taxed at your marginal tax rate).Generally, if you take a distribution from an IRA or 401(k) before age 59½, you will likely owe: The costs of early 401(k) withdrawalsĮarly withdrawals from an IRA or 401(k) account can be expensive. There are some exceptions to these rules for 401(k) plans and other qualified plans. (These are called required minimum distributions, or RMDs). The IRS allows penalty-free withdrawals from retirement accounts after age 59½ and requires withdrawals after age 72. If you find yourself needing to tap into your retirement funds early, here are rules to be aware of and options to consider. However, early withdrawals often come with hefty penalties and tax consequences. Yes, you can withdraw money from your 401(k) before age 59½. Can you withdraw money from a 401(k) early? Sometimes, unplanned circumstances force people to withdraw funds from their 401(k) early. 401(k) plans and other tax-advantaged retirement savings accounts are common ways to save for retirement.Įvery year, millions of Americans contribute to these long-term savings vehicles. ![]() ![]() ![]() Once an agreement is finalized, it usually takes 18 to 24 months for the new retailer to open. The company has previously opened gyms at former stores of two brands that filed for bankruptcy: Toys ‘R’ Us and Sears.Ī real estate investment trust that owns nine Bed Bath & Beyond stores, Federal Realty, is currently talking to chains like TJX, Burlington, Ross, Nordstrom Rack, Container Store and others about moving into Bed Bath & Beyond spaces. “Bed Bath and Beyond sites are interesting to us, and we are exploring available opportunities with our franchisees,” a spokesperson told CNN. ![]() Chip Somodevilla/Getty Imagesīut it’s not only retailers looking for space and enjoying growth.ĭiscount gym Planet Fitness is opening about 200 new gyms a year. TJ Maxx and other discount chains are growing. In fact, despite high inflation and a pullback in retail sales, physical store openings exceeded closings last year for the first time since 2016, according to Coresight Research.Īnd so far store opening announcements have outpaced store closures this year, the firm says, with Dollar General, Family Dollar, Dollar Tree and Five Below at the top. ![]() Other companies are using their stores to ship online orders to customers, which can be more efficient than delivering orders from warehouses. Growth has been most pronounced in the discount segment of retail as shoppers on tight budgets search for low prices. In some cases, landlords are also eager to replace old Bed Bath & Beyond leases because the company was paying below-market rent in certain locations, Telsey Advisory Group analysts said.īed Bath & Beyond has fallen to the “retail apocalypse” over the past decade, but many chains are still growing. “There is good interest for Bed Bath & Beyond stores that are closing given desirable locations” and an average size of around 30,000 square feet, retail analysts from Telsey Advisory Group said in a note to clients. The company's store closings will create opportunities for other chains to replace Bed Bath & Beyond. Plus, the majority of its stores are in the suburbs of mid-size and large cities and are under 50,000 square feet, all of which are attractive qualities in retail as brands trend toward smaller spaces to save on rent, labor and other overhead.Ī closed Bed Bath & Beyond store this year in Larkspur, California. The company has stores in all 50 states, with the most in population-dense areas in California, Texas, New Jersey and Florida. So Bed Bath & Beyond has a lot to offer prospective tenants. Store space is incredibly scarce at the moment, and that’s an ongoing trend: Total new commercial retail real estate construction reached a new low in 2022 for the third consecutive year, according to CBRE.Īnd for existing spaces, the retail space vacancy rate fell to 4.9% at the end of 2022 - the lowest level since CBRE began tracking the market in 2005. “So many of our most productive locations were formerly Circuit City or Toys ‘R’ Us or Sports Authority.”Ĭommercial construction and vacancies at record lows “For us, the biggest source of new store locations comes from other retailers closing stores,” Burlington CEO Michael O’Sullivan said on an analyst call in February. Particularly in a tight commercial real estate market, bad news for one brand means opportunity for another. It will not take long for retailers to occupy those spaces.” “A lot of great real estate is going to come available into a market where there’s been no vacancies. “E-commerce scared a lot of people off from building retail,” said Brandon Isner, the head of retail research at CBRE, a commercial real estate firm. Anthony Behar/Sipa USA/APīed Bath & Beyond was a retail pioneer. People walk past the entrance to a Bed Bath & Beyond retail store along Sixth Avenue in New York, NY, September 4, 2022. ![]() ![]() ![]() Reimbursement for purchases of this type should be done via EMS. In limited circumstances, small purchases may be made using personal funds. Small dollar business purchases <$2,000, not available through SciQuest, Non-travel limit: $2,000 per transaction $10,000 per month. Prior to completing any purchasing transaction, please review the General Purchasing Policy for specific restrictions and disclosure requirements.ĭollar limits for purchasing transactions are as follows: University employees who participate in purchasing transactions must be free from real or apparent purchasing conflicts of interest. Purchasing Authorization Limits/Threshold When a department’s workload necessitates overtime work of 2 hours or more after normal University hours, the department may pay the employees a meal allowance of $12 or reimburse actual meal costs up to $12. When the per diem rate is used, such expenses are not reimbursed separately. Incidental expenses included in the per diem rate: laundry, dry cleaning, tips for services. When travel covers only part of a day, or if the cost of one or more meals is covered by another source, the per diem rate is prorated accordingly. Federal published M&IE rates for U.S domestic and foreign travel when all 3 meals fall within the same travel day.Preparers should check all scanned or uploaded attachments to be sure they are legible prior to submitting the report. After the expense report is processed and appropriate receipts scanned, and the report is approved, all associated receipts should be shredded, except in those cases where the funding source requires all original receipts. ![]() Approvers have the right to inquire and review receipts for expenses under $75 in situations that they deem appropriate. It is a best practice, but not required, for the traveler to submit all receipts, even those that are less than $75 to the preparer. Receipts are not required for expenses of less than $75 and do not need to be attached to the expense report nor retained once the expense report is processed.This means that the faculty and staff have a maximum of 119 days from the date the charge is incurred to the date the charge is included on an expense report and submitted for reimbursement through the expense management system. Expenses >366 days from the date incurred will not be reimbursed. Gross-up for taxes on this income is not allowed. airfare, conference fees, mileage, hotel, meals, books, etc.) 120 days through 366 days from the date incurred will be reimbursed as taxable income to the employee. Questions such as can we trade electronically, should we consider onshore versus NDFs and should we execute using algos all need to be agreed on ahead of time - so, no matter what the market has in store for treasurers in 2021, they are prepared.Total Meals and Incidental Expenses Guideline They must guarantee access to various preapproved methods of dealing should we again see the volatility encountered in March 2020, and they need to be able to pivot quickly in order to remain hedged. The current world economy offers many catalysts that can quickly change the currency markets treasurers must evaluate their own views on the market and risk tolerances.įurther, corporate treasuries should ensure they have their FX toolbox in order. FX is now a reborn “asset class” and speculators will be strategically positioning portfolios to generate alpha leveraging volatility bets.Ĭorporate treasurers should have a hedging policy in place that protects them from any adverse FX moves currently priced into the market, but also and more important the ones that are not. The new change in FX volatility brings yet another player to the game. president, ongoing Brexit deal implementation, the progression of COVID-19 and trade and tariff issues. Multiple global events will impact FX in 2021, including a new U.S. ![]() |
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