Expected Asset Class Returns 5-10 Years Forward ...
Blue States: political strategy, renewable energy, civil liberties and diversity
State and local laws and political strategy. The people of the United States continue to band together with community activism. Environmental friendly. Pro-science. Pro public education. Equal rights and activism. Civil liberties. Immigrants are welcome here. Post the resistance to Trump and far-right Republicans. Blue States: CA, CO, CT, DE, HI, IL, ME, MD, MA, MN, NV, NH, NJ, NM, NY, OR, RI, VT, VA, and WA.
Seventeen percent of community college students experienced homelessness in a year according to a recent survey. Across the U.S., more than 1.5 million students experienced homelessness from SY 2017-18 through 2019-20.
Only 1.5 Percent of Benefit Claimants are aware of super cheap £20 social tariffs from Broadband providers, as well as other money saving offers from utility companies. Here's a few!
Hi Just realised after nearly a year of being on UC and PIP that I was missing out on about £100 a month worth of savings, simply because no one ever tells you about them! In fact only 1.5% of benefit claimants know about some of them. Its not hard to see why - even the providers themselves bury these tariffs on their sites and in the case of BT, you basically have to know it exists to find it. The DWP really needs to give people lists of all this stuff, preferably in the UC journal! The first is "social tariffs" on broadband providers. One example is BT's Home Essentials , available in different flavours and speeds. The best by far is the up to 65Mbps (depending on your area) Fibre 2 broadband with unlimited anytime calls to landlines and mobiles / 0845 numbers. You also get VOIP, a free phone, a bunch of addons ... all for £20 a month (IF you get UC)! I had been paying £60 for the same speeds and calling plans. Other providers may have options too. Edit: As mentioned in the comments, if you have no need of a landline, there are some great value broadband only deals too from the likes of Virgin, who also offer better internet speeds if that fits your needs. BT also do a deal with EE for money off on SIM only plans, though I am yet to look deeply into this. Secondly, if you are provided by Thames Water, you can get HALF off your water bill by signing up for WaterHelp. This is assessed by total income, so if you get less than £16k a year, you can get it. You may be able to get even more off and other support if you have a large family or use a lot of water due to a medical condition. Other water providers may also have similar plans. MORE SAVINGS HELP: Here is a great site with a list of 14 ways you can save more money on benefits or low income. Also try running your details through sites like entitledto , which can flag up other benefits you may not be aware of. ------------------------------------------------------------------------------------------ Other ways you can save money that seem to help me. Some of these may be bleedin' obvious, but if they help anyone, that cool: Cooking: Make meal plans each week. Look up recipes online. Check the costs of each recipe on ALDI's website, or look at Sainsbury's / Tesco's price match options with the search filter. Find the cheapest recipes and go for those. If you can find stuff that uses common ingredients or preferably, stuff you already have, that will save you more. By doing this I have gone from £50 plus per week for meals, to £25 or less. Look for stuff like LIDL's MASSIVE bags of veges for a quid. If you buy only what you planned for and make it, you minimise wastage. Batch cook and freeze for later. Factor in what it costs to make it. A roast dinner might not be that much (£3.20 for a whole chicken, about a pound for veggies, another pound for a big bag of potatoes. You probably have gravy! About £5.20 total) but you are looking at an hour+ to cook it in an oven. If that's an electric one, you are looking at about 5kW/h x £0.34 from October. That's another £1.70 that doesn't always occur to you when you look at your till receipt, bringing you to £6.90. Compare that with something like chilli. Upfront costs are about a fiver (assuming the cheapest minced beef) that requires 45 minutes in a frying pan on a gas hob: 2kW/h (assuming a medium gas ring) for 45 minutes at £0.10 = £0.15. £5.15 vs £6.90. Doesn't seem like much but it stacks up. Electric hobs will also use less juice than the oven, but are not as cheap as gas. If you have some left over, get some cheap plastic tupperware from Morrisson's and freeze half of it. Most recipes will tell you if they are suitable for freezing. Some people have suggested Air Fryer type ovens as an alternative for roasting and baking. They usually have a smaller volume but use a lot less juice. YMMV. Keeping warm at home: Get hold of thermal joggers like builders ones, and tops to lounge around in. ALDI and LIDL often sell them dirt cheap on the middle aisles. Just as comfy as normal trackies but much warmer. The slanket is another comfy option! Turn off radiators in rooms you don't use, and keep doors closed in the ones you do. There are some warm home grants you may be able to get in order to upgrade your boiler for a more efficient one. I have not personally used them. Laundry: Buy yourself a big clothes airer (about £40 from amazon), perhaps even a heated one. At least for lighter fabrics and at a push, towels, if you have it in a spare room with a window open and door shut, you should find they dry in a few hours without going whiffy and without making the house cold. This avoids using the tumble drier, which an cost a couple of quid per batch, or putting stuff on radiators which makes your radiator less efficient and causes damp. The electric heated airers (about £150+) ones use only 8-10p an hour of juice and dry in a few hours (at least according to my family members who use them, heavy fabrics may take longer), compared with the £1.40 plus you are looking at for a tumble drier load (4.3KW/h for an hour at £0.34). You can also still dry clothes on a line in the winter. As long as the forecast does not show 100% humidity or (obviously) rain, your clothes will dry outside. A bit of wind helps too! If you buy one of the airers with wheels, you can also stick this outside and bring it in easily if it rains. Maybe not a great idea for the electric ones though.... I'm sure there's a ton more, but this really helps the UC go further. If only these things were more visible to claimants! All this together has knocked about £200 off my monthly outgoings, which helps massively!
Week 4 started feeding nutes at 20 percent the recommended when they reached 3 nodes and I saw yellowing at the leaf tips. vpd of 2.0 rh of 30 soil 5 gal pots gg4 autoflowers. have humidifier now rh 80 temp 71-80. assuming ph or stress for the yellowing and decay lmk what you guys think
[Charania] Lakers’ G/F Matt Ryan has made the team’s current opening night roster, as the team won’t waive him by today’s roster cut deadline, sources tell @TheAthletic @Stadium. Ryan shot 37.5 percent from 3-point land in preseason – including 20-point performance with six 3s last Sunday.
petition to have apple make a mode where your phone doesn’t alert you if you have 20 or 10 percent battery but it only does at 5 percent, or at least as a notification
yes i know i should be watching by my battery or have a charger near me but sometimes i get so into the game that i completely forget about battery until im in a match and the alert pops up kicking me out the match when i was about to fc :/
A new poll suggests that Russian propaganda has swayed German public opinion. New research shows share of Germans who believe Russia “had to” invade Ukraine in response to “NATO provocation” has risen by 20 percent in the past six months.
The Politicians Who Destroyed Our Democracy Want Us to Vote for Them To Save It | These establishment politicians and their appointed judges promulgated laws that permitted the top 1 percent to loot $54 trillion from the bottom 90 percent, from 1975 to 2022, at a rate of $2.5 trillion a year
"Green Mediterranean diet” high in polyphenols and fiber can reduce that visceral fat. After 18 months, those subjected to the diet saw a visceral fat reduction of 14 percent; eaters of the Mediterranean Diet saw a 7 percent drop. Visceral fat among “healthy eaters” was reduced by 4.5 percent
Punganur dwarf cattle which from the Chitoor District,Andhra Pradesh in southern India is among the world's smallest humped cattle breeds.This breed's milk has a high fat content. While cow milk normally has a fat content of 3 to 3.5 per cent, the Punganur breed's milk contains 8 percent.
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