![]() Her professionalism and appreciation for our wants and needs are all quality attributes that a true Realtor should possess. From day of listing to the day of closing, she became an extension of our family. Your Agent was refreshing and warm – and not once did she ever display the typical salesperson approach. She was available to speak at a moment's notice, and was always willing to show us a home. When we expressed any interest in looking at a home, she made the process incredibly comfortable – making us feel like we were her only customers. Knowledgeable, honest, and transparent is how the experience of working with your Agent can best be defined. I recommend working with him to anyone looking to rent or buy in the New York area. He is thoughtful, he listens, and he makes success happen. Your Agent was superb at solving each issue as it came up and, in some cases, preventing issues before I even knew they existed. The situation was unusual and there was the potential for many problems and complexities. I recently rented an apartment for my niece and her family. Your Agent guided us on our journey to homeownership from the beginning to the end and always protected our interests along the way. She always made herself available to us and worked around our schedule - showing us homes on nights and weekends. The houses your Agent showed us were also exactly what we were looking for in a new home and her turn-around time was second to none. We don't know what we would do without their help! As Real Estate buyers and sellers, we wouldn't want anyone else representing us when making such important decisions. Sheila and Larry are the most caring and professional Realtors my husband and I have had the pleasure of knowing. Specifically, I want to thank Steve O’Brien for going above and beyond in his pursuit of excellence! He was like a coach before the big game. I want to thank Charles Rutenberg Realty for having such amazing Agents in its employ. I just wanted to thank him for living up to the Charles Rutenberg Realty model of “The Standard of Excellence.” Whenever a problem arose, Steve met with the appropriate parties to have the task completed and ready for the closing. I recently closed on the sale of my house and my Agent was Steve O’Brien. ![]() He is persistent and also very personable." After giving him the specs for the type of home I was looking to purchase, he made sure that was exactly what I saw. I would highly recommend him to anyone looking to sell their home." ![]() By putting time and patience into the sale of our property, he made us feel like he really cared about our family. My husband and I were very pleased with the commitment he showed. "A year ago, Emmanuel sold my house in Bayside, New York. We could not be more pleased with her performance." Susan handled each and every potential buyer and their respective agents with the utmost skill and negotiation on our behalf to achieve the best possible deal. "From the first meeting, Susan displayed confidence and professionalism and set in place a great plan for selling our home within the time fram required. She followed through on everything she said she would do and we respect that." Susan is a professional, efficient and trustworthy real estate agent. Suzanne called a photographer right away and had him at our house the next day. We absolutely loved the house but we had one issue, our house wasn’t for sale. We contacted Suzanne and she was able to get us in the house immediately. Fast forward two years, my wife and I found a house. At that point in time my wife and I weren't prepared to buy another house. "Suzanne and I met a couple of years ago at one of her listings. We can't express the gratitude we have towards her." Even after the transaction was done, she continued to be helpful in a countless number of ways. She kept us updated and was easy to contact as well. She was extremely patient and adaptable with all the various scenarios faced during the time. "Bharti did a wonderful job selling our house. If you are buying or selling real estate, please call John. John persevered, kept the end goal in sight and maintained a professional demeanor throughout the arduous process. Luckily, the apartment itself was an easy sell, but I'm sure John never anticipated having to go through prospective buyers so many times before we achieved success. He stuck with the sale of my co-op despite a very rigid set of rules for new buyers into the association. See what our clients have to say about our Long Island real estate agents!
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This versatility ensures that you can retrieve your lost data regardless of the file system used.ģ. Multiple File System Support: Whether your storage device is formatted with NTFS, FAT32, exFAT, HFS+, APFS, or other file systems, Disk Drill can handle them all. This feature enables the software to recover files from formatted or inaccessible partitions.Ģ. ![]() ![]() Deep Scan Technology: Disk Drill employs advanced algorithms to perform a thorough scan of your storage devices, even in cases of severe data loss. With its intuitive interface and powerful algorithms, Disk Drill empowers users to restore their files effortlessly.ġ. It offers a wide array of features to help users recover lost files from various storage devices, including hard drives, solid-state drives (SSD), USB drives, memory cards, and even iOS and Android devices. Video Tutorial: What does Disk Drill do?ĭisk Drill is a versatile data recovery software that operates on both Windows and Mac platforms. In this review, we will dive into the core features, pricing, review ratings, what we like and dislike about Disk Drill, suggestions for improvements, how to use it effectively, alternative software options, and address common FAQs. Among the numerous options available, Disk Drill stands out as a reliable and feature-rich solution for recovering lost data. ![]() That’s where data recovery software comes in to save the day. Whether it’s accidental deletion, formatting errors, system crashes, or virus attacks, losing important files can cause significant stress and frustration. In today’s digital age, data loss can be a nightmare. Psalm 23 could not showcase the relationship between sheep and shepherd more beautifully. I believe this is what Jesus is referring to when He says about His sheep. Even though I walk through the darkest valley, I will fear no evil, for you are with me your rod and your staff, they comfort me.” He guides me along the right paths for his name’s sake. ![]() He makes me lie down in green pastures, he leads me beside quiet waters, he refreshes my soul. “The Lord is my shepherd, I lack nothing. ![]() In Psalm 23 we put ourselves in sheep’s shoes (that is to say if sheep wore shoes) because King David wrote the lyrics of Psalm 23 entirely from a sheep’s perspective. To put it bluntly: Jesus is no cowboy and God’s children are not mindless sheep driven by one. Also flocks differ from herds. While herding associates with feeding and running together, a flock is meant to congregate in places or alternatively head towards a location. There is a significant difference between the two: Sheep herders drive their herds much like cowboys drive their cattle by pushing them from behind, while shepherds guide their flocks by leading them from the front. On that note – I find it interesting that Jesus refers to Himself as a shepherd, not a sheepherder. “I am the gate” is one “I am the good shepherd” is another one. To make His statements understandable He cloaks His self-portrayals in imagery. ![]() When He talks about Himself He simply states the truth. I see it all the time – in conversations people get frustrated with short attention spans and so they brag a little and appear flashier than they really are. When people speak about themselves they usually do so to hijack some attention. ![]() lf we right now again have forgotten someone, so it looks after us. ) kamaz for signals Rice Master for indicators valerat for various Mapmodelle satan1990 for the superb Mapmodelle Kingpin for the pictures 2X2 for the fresh car sign up Not to mention should stay Carinthian who made the conversion in Frankfurt, TripoIi, Aalborg ánd in Munich. FLD / TZ fór the new prefabs and versions ( may not really be used for free of charge use! Euro Truck Simulator 2 Mods 50keda for the new corporate program and Market Kaarfór. Credits: (and our say thanks to you to ) SCS Software program for GrundMáp with all thé trimmings. ) As compared to edition 4.1.0/4.1.1/4.1.2a in all Modteilen changes have become produced, all four components must end up being replaced in the mod folder! Dividing the mods offers the benefit that in the potential launched a fixed (!) Maps can after that be conveniently replaced. TSM Chart45def cushion.scs - TSM Chart45map.scs - TSM Map45model.scs - TSM Map45prefab more.scs ( The four parts are displayed in the log with ' 4.5.0 '. We possess split our mod and divided into four individual deals. But beware (!): Before enjoying involve the profile and modified the fresh mods are usually enabled! Declining this, you get on the standard chart in Nirvana. The map should function with and withóut DLC. Old Map ( in specific, all (!) Components of the map ) to obtain out, and the four fresh parts inside. For Bordeaux another firm ( Quarry ) was added Caution: In purchase to perform this map version, at minimum the repair version 1.8.xback button is required! Anyone who has been enjoying the area, should possess carried on to perform no complications. Be aware: The path to Valladolid can fall into its present type in a later on edition of the development of Spain back to the target, or end up being completely changed. There will be a brand-new town on the northern coastline of France (Bilbao) and the link to Valladolid. Edition 4.5.5a / Bugfix online - With this version, the reported bugs have been set, added a several websites and the Hermes communities Mix. This soup is great with matzo balls! Fresh chicken soup is always better than canned! The Vegetables:Ĭlassic chicken soup has onion, carrot, and celery. If you love this soup, you will also want to try my Gluten Free Matzo Ball recipe. You will want to cook this down for a couple of hours to infuse the chicken flavor into the broth. Include the neck and all goes into the pot. I prefer to use an organic whole chicken. My neighbor loves using bone-in chicken thighs.) You need to make sure your chicken pieces are with the bone, as the bone minerals are what make this soup so good!! (You can also use chicken bone-in chicken parts to make this recipe. You will need a whole chicken for my grandma's old-fashioned chicken soup. Pair this soup with these delicious gluten free bread for easy dipping: Gluten Free Light and Fluffy Cheddar Muffins or this Gluten Free Focaccia Bread. Perfect for anyone who has food allergies. This soup is Whole 30, Paleo, Keto, Dairy-Free, and Gluten Free. You can use brown or white rice in this soup recipe. We usually make chicken and rice soup because gluten free noodles tend to get pretty mushy. You can add noodles to make chicken noodle soup or add rice. Add chicken, broth, carrots, onion, garlic, and celery to a pot. Making a bowl of good chicken soup from scratch is so easy. Fall is finally here, and soon, cold and flu season will be here. Our whole family loves this soup, and I must make it more often. This chicken soup takes time because the flavors slowly simmer, but I promise it is worth it! This easy chicken soup recipe is made from scratch with simple ingredients. The memories come back every time I make this soup. I remember my grandmother making this soup every time we went to visit. This soup is as close to comfort food as it gets. This chicken soup recipe takes time to make.but I promise it is worth it! You can also make the Instant Pot Version of this Homemade Chicken Soup! Delicious flavor in a fraction of the time!! My Grandma's Homemade Chicken Soup is Comfort Food! She would dump the ingredients into a big soup pot. ![]() ![]() I remember my grandmother making this chicken soup from scratch every time we went to visit. If you love chicken soup as much as we do, you will want to check out all of my delicious homemade Gluten Free Soup Recipes! This is the homemade chicken soup recipe I grew up enjoying. My Grandma's Homemade Chicken Soup is Comfort Food!ĭo you love homemade chicken soup? You won't believe how easy my chicken soup is to make from scratch!. ![]() The minimalist design is so comfortable you'll barely notice you're wearing it. That data is sent to an app on your phone, either Oura's proprietary app or your favorite fitness app. It tracks everything a fitness tracker does but without the bulk of a full wristband. But hidden inside, you'll find multiple sensors that track heart rate, blood oxygen levels, body temperature and movement. This sleek, stylish band looks and feels just like a traditional ring. If the man you're shopping for refuses to wear a fitness tracker because they don't like wearing anything on their wrist - or they'd prefer to stick with the classic style of a traditional wristwatch – the Oura ring is just the thing. The frames come with a 12 MP camera, five mics, and open ear speakers.Ī deep tissue massage anywhere: Theragun Pro Plus.The stylish leather glasses case doubles as a charging case, delivering up to 36 hours of battery life.With Meta AI, you can operate these glasses with voice commands.These sunglasses feature all the latest smart glasses tech in a stylish design that looks like a classic pair of Ray Bans.Why we chose the Ray-Ban Meta Wayfarer smart glasses: This top new release on Amazon is priced at $329. It's the perfect gift for the techy on your list or the outdoor adventurer who wants to capture their experiences even when they don't have any hands free to hold a phone or camera. Built-in open ear speakers and five mics let you listen to music, make calls and answer texts completely hands-free. A 12 megapixel camera built into the frame can take photos or livestream directly to Facebook and Instagram. Just released in October, these smart polarized sunglasses feature the iconic Ray-Ban style with cutting edge tech from Meta. Smart sunglasses that livestream your adventures: Ray-Ban Meta Wayfarer smart glasses Play on your own or join other users in online virtual tournaments or friendly games.3D data analytics give you real-time feedback on your swing to improve your game.The weighted club with a built-in sensor creates a realistic feel of swinging and striking a golf ball.Why we chose the Phigolf2 golf simulator: The 4-star rated golf simulator is $239 on Amazon after coupon, reduced from $299. It's a great way to scratch that itch for playing golf in the off-season as well as keeping up your skills so you don't get rusty by the time you're able to play a round on a real course again. It also comes with multiple apps featuring dozens of virtual courses so you can perfect your swing while playing on some of the best courses around the world. ![]() The weighted club has built-in sensors and Bluetooth connectivity that not only analyze your swing but provide a realistic feel of swinging and striking. ![]() The Phigolf2 simulator is the ideal gift for golfers who won't be able to play at their favorite course now that the weather is getting colder. ![]() in Delaware, US.Ītlas VPN has recently started to list employees on its website’s about page, including CEO Dainius Vanagas. Atlas VPN is still registered under Peakstar Technologies Inc. In 2021, Nord Security, the parent company of popular VPN service NordVPN, acquired Atlas VPN. As part of the announcement, it was promised that Atlas VPN would have regular third-party audits, in line with the standards of NordVPN. We expect this to improve in the future, following Atlas VPN’s acquisition by Nord Security. Sadly, the VPN service has not yet conducted such an audit. We have nothing to provide, however, owing to our strict no-logs policy.”Īn alternative option would be for Atlas VPN to commission an independent audit to verify its logging claims. “If a court order is issued to us, we will have to give out the customer details that we have. PIA has been subpoenaed by the FBI on several occasions and has been unable to provide user data each time.Īfter contacting Atlas VPN, we were told that: More established VPNs, like Private Internet Access, have had their logging policies verified through multiple real incidents. As a result, it’s impossible to know whether the claims in its privacy policy are truthful. Privacy Policy Hasn’t Been AuditedĪs Atlas VPN is a relatively new service, its privacy policy hasn’t yet been tested by a real-world incident. Almost all other top VPNs, including Windscribe and NordVPN, include this feature as standard. In theory, this means that user data can be extracted from a server if a third party gets access to it. One downside to Atlas VPN is that it doesn’t use diskless VPN servers. Potentially, this could have been used to identify you from your online activity. Previously, we were concerned that the VPN logged the city from which a user was connecting, as well as their unique device ID. We’re pleased that Atlas VPN has recently improved its logging policy. You can trust Atlas VPN to keep your data private. You can read Atlas VPN’s full privacy policy on its website.Īs this data is aggregated and non-identifying, it’s nothing to worry about. ![]() ![]() The resurgence of note-taking apps ignited by apps like Craft, Obsidian, and Roam Research continued unabated. Supported By MacStadiumĢ021 has been an exciting year for apps. The MacStories Selects awards are our chance to pause and appreciate just how fortunate we are to have such a wealth of fantastic tools available from so many talented developers before we start the new year. MacStories has been covering apps since Federico published his first story in 2009, and having covered thousands of apps spanning more than twelve years, it’s time to look back at all of those apps and honor the standouts that have withstood the test of time with an annual Lifetime Achievement Award, which you can read about more in a special story that includes a bit of history about the winning app and interview with its developer.Īpps have become part of the fabric of our daily lives, which makes it easy to forget that they’re the result of hard work by creative people. This year, as we headed into the final stretch of the year, we decided it was time for the MacStories Selects to honor more than just the apps from the past year. So, after many months of testing those developers’ apps, we stop to recognize the best. Some are familiar favorites, but most are new. Every year, the MacStories team uses hundreds of apps. This is one of my favorite Windows laptops.John: The MacStories Selects Awards are our annual celebration of the apps we love and the people who make them. How a MacBook Pro sneakily got me back into PC gaming If you don’t like how your touch controls work, BetterTouchTool lets you change and tweak them to your heart’s content, adding new MacOS gestures and shortcuts instead of relying on Apple’s defaults.Īpple could fix the MacBook lineup with this one changeĮveryone who should (and shouldn’t) buy the M3 MacBook Pro It lets you overhaul almost any touch input device for your Mac, including the trackpad, Touch Bar, Magic Mouse, Siri Remote, and much more. Over time, we’d expect these issues to be ironed out.Įven without the Notch Bar, BetterTouchTool is worth looking into. For instance, Hegenberg recommends you use dark mode in MacOS so that your menu bar is also dark, which helps it fit in with the dark buttons on the Notch Bar. Right now, the Notch Bar is still a beta feature, so bugs and issues are to be expected. Showing off a bit more of the feature’s flexibility, Hegenberg has demonstrated two potential orientations of the Notch Bar: One where the MacOS menu bar hides out of sight until you move your pointer to the top of the screen, and another where the Notch Bar sits above a static menu bar. Still lots of bug-fixing to do until then□ Slowly things are falling into place, I think for Christmas I can do a first non-alpha release. Just added brightness & volume scroller widgets and a emoji widget to the BTT Notch Bar alpha. Instead, everything is located at the top of the screen. There’s no need to remember a bewildering array of keyboard shortcuts or switch between multiple apps. The key benefit is that since the Notch Bar is ever-present, you always have your shortcuts close to hand. I’m finally ready to stop recommending Apple’s cheapest MacBook New MacBooks are coming, but they aren’t worth waiting forĪpple 16-inch MacBook Pro: don’t make a mistake you’ll regret ![]() What Euterpe Was Known ForĮuterpe is considered to be the muse who is responsible for music, song, and lyric poetry. His writings about the ancient Greek myths from Theogony and some of his other works are also highly regarded. This poem talks about work as the source of all good, as long as the individual is meant to strive in a positive way. Hesiod was a poet who is most famous for his works Theogony, which talked about various Greek myths, and Works and Days, which is a poem that talks about his philosophy of what it means to work. For instance, the names for the nine muses, included Euterpe. Hesiod is responsible for writing the most about the nine muses, and his versions of their stories are the most widely accepted. ![]() All nine of the muses are said to be unmarried but they often gave birth to famous characters who appear in various stories. As the story goes, they coupled nine days in a row, and as a result, the nine muses were born. One of the most widely accepted stories is that all nine of the muses were fathered by Zeus and mothered by Mnemosyne, the Titan goddess associated with memory. There is some controversy as to where the muses truly came from, and all nine of the muses are always lumped together. In the passage, Homer is asking one of the muses, possibly Caliope or Euterpe, who were both linked with poetry, to help inspire him to write. Here’s more information about Euterpe and the role she played in the ancient myths: Where Euterpe Came From “Sing to me of the man, Muse, the man of twists and turns driven time and again off course, once he had plundered the hallowed heights of Troy.” Of course, you’ll want to keep in mind that “high” and “low” are determined by industry norms. Industry mattersįor the most part, there are two types of ratio results-high and low. You can use this average collection period information to compare your company’s receivables turnover time with that of other companies in your industry. In most industries, that’s a high-quality customer base. Therefore, it takes this business’s customers an average of 11.5 days to pay their bills. In this case, you divide the number of days in a year (365) by your receivables turnover ratio (32). To identify your average collection period, divide the number of days in your accounting cycle by the receivables turnover ratio.įor example, if your receivables turnover ratio for the year is 32, that means over the fiscal year, your business collected on its outstanding invoices 32 times. This is also known as your average collection period. Using your receivables turnover ratio, you can determine the average number of days it takes for your clients or customers to pay their invoices. But first, you need to understand what the number you calculated tells you. Once you have calculated your company’s accounts receivable turnover ratio, it’s nearly time to use it to improve your business. What does the receivables turnover ratio tell you? Still confused? See our examples section below for a comprehensive example that applies this step-by-step process. Track and compare these results to identify any trends or patterns that may develop. Use this formula to calculate the receivables turnover ratio for your business at least once every quarter. The accounts receivable turnover ratio formula looks like this:Īccounts receivable turnover ratio = (Net credit sales) / (Average accounts receivable) To determine your receivables turnover ratio, you simply divide your net credit sales (from step 1) by your average accounts receivable (from step 2). Step 3: Calculate your accounts receivable turnover ratio ![]() We calculate the average accounts receivable by dividing the sum of a specific timeframe’s beginning and ending receivables (most frequently months or quarters) and dividing by two. Step 2: Determine average accounts receivableĪverage accounts receivable is used to calculate the average amount of your outstanding invoices paid over a specific period of time. ![]() You can find the numbers you need to plug into the formula on your annual income statement or balance sheet. Net credit sales = Annual credit sales - (Sales returns + Sales allowances) The formula for net credit sales looks like this: Net credit sales refers to the revenue you earn from sales made on credit after subtracting any returns and allowances. You’ve got this! Step 1: Identify your net credit sales The accounts receivable turnover ratio formula isn’t complex. If accounting and finance weren’t your forte in school and you’ve never seen this ratio before, don’t panic. Formula and calculation of receivables turnover ratio Cash basis accounting, on the other hand, simply tracks money when it’s actually paid or spent on expenses. Your receivables turnover ratio can also help you determine the impact of credit practices on profitability, identify when you need to make updates on ineffective and collection processes, secure loans and investors, and plan strategically for the future.ĭid you know? Businesses that complete most of their purchases by extending credit to customers tend to use accrual accounting, as it accounts for earned income that has not yet been paid. It also serves as an indication of how effective your credit policies and collection processes are.īy monitoring this ratio from one accounting period to the next, you can predict how much working capital you’ll have on hand and protect your business from bad debt. The accounts receivable turnover ratio, also known as receivables turnover, is a simple formula that calculates how quickly your customers or clients pay you the money they owe. That’s where an efficiency ratio like the accounts receivable turnover ratio comes in. Since you can never be 100% sure when payment will come in for goods or services provided on credit, managing your own business’s cash flow can be tricky. ![]() ![]() Businesses use an account in their books known as “accounts receivable” to keep track of all the money their customers owe. Most businesses operate on credit, which means they deliver the goods or services upfront, invoice the customer, and give them a set amount of time to pay. |
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