or that they accept a range of payment options that include U.S. When shopping online, make sure that their business is based in the U.S. ![]() You can also avoid foreign transaction fees by making purchases online only with international merchants that work with U.S. Shop online with international merchants that accept U.S. You may be able to make withdrawals there without incurring a fee. If you'd rather not open a new bank account, ask your bank if they have ATMs in the countries you're traveling to. Before leaving the U.S., consider finding a checking account that allows you to use your debit card outside of the country with no additional fees. Therefore, you may want to consider having a debit card from a bank account that doesn't charge foreign transaction fees. While traveling abroad, you may encounter a merchant that charges extra to use a credit card, or might not accept credit cards at all. Open a bank account with no foreign transaction fees You may still wish to bring a backup payment method such as a debit or credit card. You'll want to remember that this option carries risk because you could lose the cash or have it stolen. dollars for most major currencies, and you can do this before you leave. Banks and currency exchange stores will exchange U.S. You can avoid all transaction fees by paying for your purchases in cash while you're abroad. ![]() Exchange cash before leaving the United States Some credit cards ( like most travel cards) don't charge foreign transaction fees, as a cardmember perk. There are several ways to avoid these fees including: Apply for a credit card with no foreign transaction fees ![]() If you are charged this fee, you can usually find it listed on your credit card statement on the next billing cycle, either in the fees section or as a separate line item in your recent transactions. You could be charged a foreign transaction fee when you purchase something in a non-US currency, either online or when you're visiting another country. Why did I get charged a foreign transaction fee? Check out your cardmember agreement for details on fees for international purchases. The rate for foreign transaction fees is usually 2-5% of the entire purchase, which might include shipping costs and taxes. How much do foreign transaction fees cost? Foreign transaction fees (aka international transaction fees) can vary depending on your credit issuer or bank and the total purchase amount. What is a foreign transaction fee?įoreign transaction fees can pop up when you make a purchase with a merchant that routes your payment through a bank outside of the U.S. You've returned from vacation abroad, only to discover that your credit card statement includes charges you've never seen before: foreign transaction fees. In this article, we’ll share some things to consider when using your credit card abroad and how you can avoid foreign transaction fees when making international purchases.
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Spotify student cost12/12/2023 ![]() Spotify Premium for Students is available to eligible students for up to four years. It delivers a blend of top-tier features and high-quality streaming options, all tailored to fit a student’s budget. Indeed, investing in a Spotify Premium for Students subscription can be worthwhile. With Spotify Premium for Students, you can experience the full range of what Spotify has to offer but at a fraction of the regular price. – Features and BenefitsĪ Spotify Premium for Students subscription includes features not available to Free users, such as the ability to listen to music offline, play any song on-demand, and enjoy an ad-free experience.Īdditionally, it offers superior audio quality, enhancing the overall music experience. This option offers all the premium features at a much-reduced cost to students, making it an attractive option for those on a limited budget yet still wishing to enjoy the best of Spotify’s offerings. Spotify launched the Spotify Premium for Students plan to recognize the need for affordable student streaming options. It comes in two main subscription packages: Spotify Free and Spotify Premium, which offers an ad-free listening experience with access to high-quality audio and offline play. ![]() Spotify is a widely popular music streaming platform that serves as a hub for millions of songs, podcasts, and other audio content from artists around the globe. Unraveling Spotify Premium for Students: An Overview It is also important to mention that Spotify’s student subscription includes access to Hulu and Showtime at no additional cost.Ī closer look at these additional components provides a more rounded understanding of the value a student subscription can bring. In addition to the basic pricing structure for students, it is worth understanding this subscription’s comprehensive benefits.ĭelving a bit deeper, it is crucial to know what Spotify Premium offers, how their student verification process works, why there is a four-year limit, and the differences between various global market prices. The student pricing is available for up to four years, and it requires verification of student status. The discounted subscription offers the same features as Spotify Premium, including ad-free listening and offline play. Spotify Premium for Students costs $5.99 per month in the United States. How Much Is Spotify Premium For Students? – Loss of Access to Spotify Premium for Students.– Errors During the Verification Process.Frequently Encountered Issues and Their Solutions with Spotify Premium Student Subscription.– The Disadvantages of Spotify Premium for Students.– The Advantages of Spotify Premium for Students. ![]() ![]() Spotify Premium Student Subscription: Pros and Cons.– Are Audio Quality Differences Noticeable?.– Differences in Sound Quality: Spotify Free vs.– Understanding Sound Quality on Spotify.Is There a Difference in Song Quality Between Spotify Free vs.– Understanding Spotify’s Sharing Policy.Can the Spotify Premium Student Subscription Be Shared?.What Happens After the Four-Year Discount Period?.– Selecting Spotify Premium Student Subscription.Step-by-Step Guide to Applying for Spotify Premium Student Discount.How to Qualify for a Spotify Premium Student Discount?.Unraveling Spotify Premium for Students: An Overview.How Much Is Spotify Premium For Students?. Burn boot camp lake norman12/12/2023 To get stuck into a Burn Boot Camp workout yourself, start with this upper body strength circuit filmed and demonstrated in Lake Norman, NC. We aim for sessions to be engaging, fun, communal, never the same, and relatively challenging to the individual fitness levels of our members!” ![]() We roll the workouts out to our system in advance, via an app and our Lead Trainers are then responsible for executing the workout each day in our locations. They’re designed by our Master Trainer, Matt Morris. We are serious about our transformations, and it all starts with the workout. As trainers ourselves, we teach our training teams that ‘results are our resume’. “Not only is 45 minutes convenient, but it’s all you need. But this upper body strength workout is designed to bring results, often focusing on lifting to your limit and reaching hypotrophy in order to increase strength and muscle growth. It’s a model that works for members all over the country, and many of them undertake a session each and every day. So, our locations offer a family friendly environment where moms and dads can bring their children and workout together.” “As our brand began to grow, members started to tell us how much they wanted their spouses to come and workout with them. “We’ve had ‘child watch’ since day one and it’s always been a part of our membership,” says Devan. And, with free child care on offer during your visit, there are no more excuses for failing to maintain your fitness levels. The Burn Bootcamp concept was formed with busy families in mind, allowing individuals or couples to take part in challenging 45-minute bootcamp style training sessions. ![]() “We’re just gonna give you a little sample of our bootcamp heaven!” says Devan. With around 400 franchises in the United States, the couple wanted to celebrate by providing the Muscle & Fitness family with an exclusive online upper body strength workout. Devan and Morgan Kline recently marked Burn Boot Camp’s 10th anniversary. Chunkz maya jama12/12/2023 When asked if the Love Island host wants love, she quipped: "Yeah. On July 12, 2023, Maya gave us a clue into what she is looking for out of her next relationship though, in an interview with British Vogue. Move on please", she wrote.Ī post shared by Maya Jama photo posted by onįollowing this rumor, yet another frenzy was stirred up when there was a recent sighting of Maya with a new man Michele Morrone-you know, from the saucy Netflix film, 365 Days.įans were on the cusp of freaking out about the hot new pairing after seeing them holding hands during a break from Love Island filming-but alas, Maya and Michele were simply featuring in an advert together. "I’ve been minding my business on holiday & said I wouldn’t respond/pay attention to any of the silly stories anymore but you need to stop now, that is literally my star sign. Maya swiftly debunked these rumors though, especially after the Daily Mail shared a story speculating that she was wearing a 'Leo' necklace inspired by her new 'beau.' She fired back on her Twitter, explaining in a now-deleted post, that the 'Leo' necklace was a reference to her own star sign. In April 2023 alone, the presenter was linked to actor Leonardo DiCaprio, after the pair were allegedly spotted leaving two parties on consecutive days in London, around the time of the BAFTAs. It’s only been a month, but it’s nice." She then also gave a hard 'No' when asked if she had her eye on anybody new.Īlas, her comments definitely didn't stop the incessant discussion around her love life throughout the rest of this year. ![]() In early 2023, following her split from her fiancé Ben Simmons in 2022, Maya told The Sunday Times: "I’m really, really single right now. If Maya and Stormzy are in fact back together, it appears the couple are still in the early stages of their rebooted relationship. Windows ftp server standalone12/11/2023
Riviera maya restaurant little rock ar12/11/2023 ![]() Riviera Maya (that's the correct spelling, Trip Advisor somehow has the name entered into its database with an incorrect spelling) has proven the food snobs wrong. They acted as if it were beneath their dignity to visit yet another Tex-Mex restaurant serving the same old, same old Tex-Mex food we can get at any number of chains in the city. They wrote articles asking if the city really needs another Tex-Mex place (curiously enough, they never ask the same question about the astonishing number of "burger" and grilled-meat sports bars in Little Rock that just continue to open one on the heels of another to satisfy our local old boys' appetite for flesh). When this restaurant first opened, food critics in local newspapers were very snooty about it. It's solid, reliable, good at what it does. But because so many of us have long known and loved Tex-Mex food as "real" Mexican food - and that's understable, given that one of the states bordering us on the west is Texas, the city also has a plethora of Tex-Mex restaurants, and Riviera Maya is one of the good ones. Due to the influx of new citizens from Mexico and Central America, Little Rock now has a wealth of very good authentic Mexican (and some Central American) restaurants. Learn more here.Along with a bunch of locals of my generation, I remember when the iconic Tex-Mex restaurant Brownings in the Heights WAS Mexican food in Little Rock, and when those of us who frequented the place and raved over its cheese sauce (an Arkansas fixation no matter where it's served) and strange dry, tubular enchiladas doused in a canned "Mexican" brown sauce thought we were eating the very best of Mexican food. venue will be packed with local food, vendors, entertainment and activities for the whole family while learning about the holiday's origins. ![]() Plaza Frida: Wrapping up with another outdoor party, this decidedly "Not Cinco de Mayo" festival on Saturday is "the wrong day, but the right reason." The 4001 W. Learn more and find a list of who carries Teremana Tequila here.Ĭolonial Wines & Spirits: Doing your celebratory sipping at home this year? Do it in style with a tasty tequila-based cocktail designed by the pros. All you have to do is submit your receipt for reimbursement. Dwyane "The Rock" Johnson is once again encouraging folks to try his tequila brand by offering free guacamole when you order a Teremana Tequila cocktail at a local restaurant. Guac on The Rock: We promise we're not making this up. with a DJ on hand, then the after party moves to Midtown Billiards. The River Market patio will be party central from 5-11 p.m. Learn more here.ĭiablos Tacos & Mezcalería: More dancing? You got it. Along with all-day cocktail specials, stick around for the yard party with themed drinks, eats and a concert with Bad Habit. Learn more here.Ĭamp Taco: Keep your dancing shoes on. Learn more here.Ĭlub 27: What's a celebration without dancing? This River Market joint kicks things off with a bachata lesson at 9 p.m., then cuts dancers loose for the rest of the night. It's an hour-long session led by Sara Mulero, but first, themed food and drinks. ![]() Learn more here.Įden Salt Studio: If you prefer your Cinco with a little zen, try this sound bath at 6 p.m. Guests can get in on $5 margs all day to wash down their tamales and tacos from 10 a.m. Tamalcalli: It's the food truck's first Cinco de Mayo in its brick-and-mortar location downtown, and celebrations are in order. Learn more here.ĬALS Main Library: To help your kiddos learn more about the holiday, the downtown branch is hosting a special day of salsa-making, games and take-home activities. This annual bash is back with an evening of food and drink specials, photo booths and fun for humans and pups alike. Mp3 speech to text converter12/11/2023 ![]() Then, we’ll define the headers we’ll include in our API calls to AssemblyAI, which is where we’ll include our API key. We’ll need to import our API key or define it inline, as shown below. The entire process can be broken down into 3 simple steps: He covers how many words people know on average, how scientists think our brains recognize language, and how we acquire new words.Īlright, on to how we actually convert this mp3 file to a text file with AssemblyAI’s speech recognition API. It talks about how we, as humans (not the machines), understand language. ![]() It’s not about how to convert your mp3 file to text, but it is interesting. I chose a video on how our brains process speech, a TED-ed talk by Gareth Gaskell. If you don’t already have an mp3 file downloaded to start, I have an mp3 file you can download. You should store this as an environment variable or a variable in a separate configuration file. Once you sign up, you can find your API key located in the console where I’ve circled in red in the picture below. To start converting an mp3 file to text, you’ll need to get an API key for AssemblyAI’s speech to text API. In the section below I’ll show you how to convert an mp3 file to text using AssemblyAI’s API. AssemblyAI’s API is not only free, fast, and super simple to use, but also comes with a bunch of plug and play features. In this example, we'll use AssemblyAI's API for automatic transcription. Today, in just a few lines of code, we can use an API to convert our own mp3 files to text with human level accuracy. Nowadays, this technology is available to developers through simple to use APIs akin to Twilio or Stripe.Īnd with the recent advances in Deep Learning, the accuracy of Speech-to-Text technology is quickly approaching human level. It was technology reserved for huge enterprise companies of the likes of Apple and BMW. Let’s get started! A Quick Primer on Automatic TranscriptionĪ few years ago, automatic transcription technology wasn't really available to regular software developers like you and me. That’s because Automatic Speech Transcription technology has gotten way more accurate over the past few years, and is now nearly as accurate as a human. Being able to convert mp3 files to text by simply using an API has only become possible in the last few years. AssemblyAI makes a free, fast, simple to use Speech-to-Text API. In this tutorial I’m going to show you how to convert an MP3 file to text with an API. Apex legends hacked titanfall12/11/2023 ![]() ![]() ![]() RUN US ALL SOME HEIRLOOM SHARDS AS COMPENSATION !!!!!!!!!!!!!!!! pic.twitter. Or maybe the hacker just needed an excuse to shout for heirloom shards? While this kind of attack is sure to bring attention to the problems that befall Titanfall, there are definitely better ways of doing it. While it continues to receive regular updates, fixes and patches the same can’t be said for Titanfall, another Respawn Entertainment franchise. Apex has grown exponentially since it was released in February of 2019. It seems that the culprit of the hack wants the Respawn devs to give the same kind of attention that Apex receives to Titanfall as players of that game have (apparently) suffered a similar fate for a lot longer. you become the very thing you sought to destroy We’re keeping an eye on things but believe the issue to be resolved. Apex Legends is the latest series of Titanfall which was released in 2019. We’ve confirmed that matchmaking has been restored. One of the largest hacks in gaming history has made Apex Legends almost completely unplayable.Hackers have targeted Apex Legends, and the resulting disruptio. Players have taken to social media to report that the battle royale's server playlists are being replaced with a message that reads 'SAVETITANFALL.COM, TF1 is being attacked so is Apex. While there has been no official confirmation of this, the franchise does have a history with hackers. Apex Legends has reportedly been hacked to raise awareness over the unplayable state of developer Respawn's other game series Titanfall. Some four hours later Respawn posted that their patch had restored matchmaking. Users are claiming that Titanfall 2 has been compromised by hackers, putting players consoles and PCs at danger from exploits and malicious codes. 3 transistor fm transmitter12/11/2023 ![]() Arduino sketches are uploaded through any USB-Serial adapter connected to 6-PIN ICSP female header. It has 14 digital input/output pins (0-13) of which 6 can be used as PWM outputs and 6 analog inputs (A0-A5). ![]() Board features 28-PIN DIP IC socket, user replaceable ATmega328 microcontroller flashed with Arduino bootloader, 16MHz crystal resonator and a reset switch. Arduino Prototype uses all standard through-hole components for easy construction, two of which are hidden underneath IC socket. It's small, power efficient, yet customizable through onboard 2 x 7 perfboard that can be used for connecting various sensors and connectors. It's breadboard compatible so it can be plugged into a breadboard for quick prototyping, and it has VCC & GND power pins available on both sides of PCB. Headphone amplifier is small enough to fit in Altoids tin box, and thanks to low power consumption may be supplied from a single 9V battery.Īrduino Prototype is a spectacular development board fully compatible with Arduino Pro. 8-DIP machined IC socket allows to swap OPA2134 with many other dual opamp chips such as OPA2132, OPA2227, OPA2228, dual OPA132, OPA627, etc. Unlike other ESR Meters that only measure ESR value this one measures capacitor's ESR value as well as its capacitance all at the same time.Īudiophile headphone amplifier kit includes high quality audio grade components such as Burr Brown OPA2134 opamp, ALPS volume control potentiometer, Ti TLE2426 rail splitter, Ultra-Low ESR 220uF/25V Panasonic FM filtering capacitors, High quality WIMA input and decoupling capacitors and Vishay Dale resistors. ![]() It is an irreplaceable tool for troubleshooting and repairing electronic equipment by determining performance and health of electrolytic capacitors. It also analyzes transistor's characteristics such as voltage and gain. ![]() There should be no ripple in the supply voltage, otherwise it may be heard in the receiver.ĮSR Meter / Capacitance / Inductance / Transistor Tester KitĮSR Meter kit is an amazing multimeter that measures ESR values, capacitance (100pF - 20,000uF), inductance, resistance (0.1 Ohm - 20 MOhm), tests many different types of transistors such as NPN, PNP, FETs, MOSFETs, Thyristors, SCRs, Triacs and many types of diodes. You can use power supply of 5-12V or a battery. At its simplicity, however, the circuit works surprisingly well and the range is about 20 to 100 meters. The antenna is connected directly to the oscillator, so if you touch it or placing it near the conductive object, the frequency shifts. The disadvantage of the circuit is sensitivity to changes in supply voltage (it is changing the varicap voltage and thus the operating frequency). You can also use a transistor with different type of case. The transistor is a high-frequency planar PNP type, for example, BF970, BF979, BC559 or similar. I used the varicap MV209 made by Tesla with yellow paint on the cathode. Varicap is arbitrary, which covers the range of about 5-20pF, such as MV2105, MV2109, MV209. L1 with outstretched turns - lower inductance - higher frequency. Inductor L1 with turns close together - larger inductance - lower frequency. Inductor L1 is airborne and has six turns of 0.5 mm diameter wire wound on 3 mm diameter. The circuit can be powered from 5V USB port available on your PC or laptop. It is also possible to tune while already connected to the signal source. You can then connect audio source to the input (such as cassette player, CD or MP3 player, record player, audio output of PC or laptop, etc.). Proper tuning is indicated by the radio getting silent. Turn on the transmitter and the first tune the operating frequency of roughly by stretching turns in the coil L1. Turn on the FM radio and tune it to an unoccupied frequency in the 87.5 - 108 MHz band. ![]() By carefully monitoring their AR turnover, businesses can ensure they are getting paid on time and properly controlling their cash flow. A healthy ratio indicates that the company is effectively managing its customer payments, while a low ratio could be indicative of difficulty in collecting payments or needing to revise their credit terms and policies. ![]() The calculation provides an estimate of the number of times a company collects its average accounts receivable balance during a given period. This shows how much money a company has received in credit sales during a specific accounting period and provides an indication of how efficiently the company is collecting Average accounts receivableĪverage accounts receivable is calculated by dividing the total accounts receivable at the beginning of a period (or since inception if this is the first period) by two, then adding that number to the total accounts receivable at the end of a period. This amount reflects the actual sales made on credit during the period and helps to determine how successful a business was in generating sales. It is calculated by subtracting customer returns and refunds from the total credit sales during a measured accounting period. Net Credit Sales, also known as net sales on credit, is an important accounting formula used to measure a business’s performance. ![]() The formula is simple: divide net credit sales by average accounts receivable. The accounts receivable turnover ratio is a vital financial indicator of a company’s ability to efficiently manage its credit process and quickly turn receivables into profits. Formula and Calculation of the Receivables Turnover Ratio By keeping close tabs on their AR turnover, businesses can make sure they are getting paid on time and controlling their cash flow. On the other hand, a low ratio may indicate that the company is having difficulty collecting payments or needs to revise its credit terms and policies. A healthy accounts receivable turnover ratio indicates that the company is doing well in managing its line of credit process and efficiently turning cash into profits. It measures the number of times the company collects its average accounts receivable balance in a given period and provides valuable insight into the company’s collection efforts. The accounts receivables turnover ratio is utilized in financial modeling to determine how efficiently and promptly a company is collecting payments from customers. So let’s dive into understanding accounts receivable turnover so you can maximize your profits! What Is the Accounts Receivables Turnover Ratio? In this article, we’ll discuss what the accounts receivables turnover ratio is, how to calculate it, how it’s different from asset turnover ratio, why it’s important for financial modeling, and more. Knowing how to measure and monitor your accounts receivable turnover ratio can help you ensure that you’re getting paid on time and improving your cash flow. “Cash is king,” as the saying goes, and accounts receivable turnover plays an essential role in keeping the cash flowing. AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |