Also called Wally Gold, this plan includes category and custom budgeting, advanced filters, currency conversion, joint accounts, and more. Wally offers a premium plan that costs $39.99 yearly. The app makes it easy to track your expenses, scan receipts, create budgets, and set goals. It is free and has received top ratings in many countries. Wally is a basic personal finance app available on iPhones and Android. The average KOHO user is said to reduce their spending by 15% and save more money monthly.Ĭlick to get KOHO (use our CASHBACK referral code for a $20 sign-up bonus) 3. It does much more than that and can almost replace your bank. ![]() The KOHO app is not your typical budgeting app.
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For deep core drilling, a lubrication system may also be necessary to keep the bit cool as it cuts into the concrete. These need to be paired with a heavy-duty hammer drill or impact gun to really put the power into your bore. These are much bigger than typical bits and come with diamond-tipped teeth blades to be as tough and sharp as possible. Bits made to punch through tile are very similar to masonry bits, but they're even sharper in order to cut through the brittle materials without chipping them.Ĭoring drill bits are also useful for making large holes in concrete walls. Masonry bits with a carbide or diamond tip specifically intended for hammer drills are more efficient and penetrate hard surfaces better and faster.Īny type of drill can be used with standard drill bits for masonry work, but regular drills may not be the best choice for particularly tough jobs. Drilling at a lower speed is more efficient for drilling through concrete, and it prevents the bit from overheating. The tip of the drill bit is larger in diameter than the shaft below so that when the shaft reaches the hole, it fits right in. Masonry bits cut holes through concrete in two steps. Check out the product with the highest review count, the 5/32 in. Within Masonry Drill Bits, shank styles include Straight, SDS Plus, SDS Max, Round, 3-Flat and Hex. Break up concrete floors, slabs, plaster, build walls, and fill joints with these masonry & tile hand tools. What are a few brands that you carry in Concrete Hole Saws Bits. SDS-Max Speed-X Carbide Rotary Hammer Drill Bit for Concrete Drilling. Check out our most reviewed product, the 1-1/4 in. SDS Max 1-3/8-in x 23-in High-carbon Steel Masonry Drill Bit for Sds-max Drill. Drill bits are made in different styles and shapes to fit your project needs. Speed-X 5/8-in x 21-in Carbide Masonry Drill Bit for Sds-max Drill. Diamond Core Drill Bit with V-Tip for Concrete Drilling. Drill bits are tools that connect to power drills and are used to create holes in various materials. Check out our most reviewed product, the 4 in. drill bit diameters in inches range from 7/8 in to 12 in. ![]() ![]() Drill bits with a tungsten carbide tip are the strongest when it comes to solid concrete, the sharper the better. We carry various types of shanks to fit your drilling needs. Dry/Wet Core Bit for Masonry, Concrete or Stone, 5/8 in. ![]() You'll also need access to a metronome, but don't worry if you don't have one – a quick Google search will provide exactly what you need. This is a great hands-on math activity if you want to take musical math to the next level and actually have students play some notes on a piano keyboard! If you don't have access to a piano or digital keyboard, you can search for a free version online. You can also challenge students to find equivalent values for different notes, like a half note or a quarter note. You may require them to write the value of each note in parentheses too. Students can draw the music notes themselves or write the names of the notes. A sixteenth note or sixteenth rest represents one sixteenth of the duration of a whole note, or one quarter of a beat. An eighth note or eighth rest represents one eighth of the duration of a whole note, or one half of a beat. A whole rest equals four beats of silence.įinally, if you want to make this activity more challenging, you can consider incorporating shorter notes and rests: A half rest equals two beats of silence. A quarter rest equals one beat of silence. A rest is a music symbol that represents beats of silence, where no notes are played: Similarly, you may want to incorporate "rest" symbols into your addition and subtraction practice too. First, you'll want to familiarize yourself and your students with the values of some common music notes: In this activity, use the different values of music notes to help your students practice basic addition and subtraction. Be sure to tag on social media if you try out any of these activities with your class! Music Note Addition and Subtraction The following activities are simple and effective ways to help students strengthen math skills, including addition, subtraction, counting, and parts of the whole, through music. Music helps children develop important math skills. Learn to recognize note values while practicing addition and subtraction practice "parts of the whole" by breaking down long notes into equivalent shorter notes and count beats to sharpen basic counting skills. That is, E."I love math!" These words are music to a teacher's ears, so to help you cultivate a love of math with your little ones, we're featuring three activities that use music concepts to reinforce math skills in our September blog post. What is the pitch class 5 semitones above B-natural (11)? 11 + 5 = 4. What is the interval class from pitch class 7 (G) to pitch class 10 (B-flat)? 10 - 7 = 3 Modular arithmetic is a quick way to calculate various intervals between pitches or pitch classess. To add or subtract in mod12, perform the calculation in the usual manner (7 + 15 = 22) and then add or subtract 12s until you get a number from 0 to 11 (22 - 12 = 10).Īdding and subtracting can represent many musical ideas: moving seven half steps above D takes you to A (2 + 7 = 9) combining 2 half steps and 11 half steps produces 1 half step (2 + 11 = 1 or starting with C, moving up 2 half steps reaches D, and 11 more C-sharp - 1 higher than the original C). On this circle, all values are a number from 0 to 11. ![]() While we are used to thinking of numbers on an infinite line, modular thinking wraps them into a finite number, generally represented by a circle. (Note that while clocks start at 1 and end on 12, modular arithmetic always (re)starts with zero.) Conversely, when counting down, we follow 0 with 11. In this universe, modular arithmetic is a very useful way to imagine getting around.Ĭounting in this modulo 12 (or mod12) universe works just as in basic math, but after 11, we “begin again” at 0. In post-tonal music, once we assume octave and enharmonic equivalence, our pitch-class environment includes twelve unique pitch classes, just like the twelve hours on the clock. This is a modular system - we might call it modulo-G because after G we go back to the beginning (A). ![]() ![]() We begin on C, then D, E, F, G and back to A before B and returning to C. Musical structures can often be best understood using this modular arithmetic. In the case of our 12-hour clock, the modulus is 12. Modular arithmetic is like regular arithmetic, except that the numbers “wrap around” or restart when they reach a certain value, called the modulus. When we make calculations like this, we are doing modular arithmetic. What time is four hours later than 10 o’clock? ![]() The facial profile of the two founders is visible on their iconic label. Producing luxury wines from its Napa Valley vineyards, the partnership made its first vintage in 1979 and has made wine at Opus One since 1991. Opus One is a partnership founded by Baron Philippe de Rothschild of Chateau Mouton Rothschild in Pauillac, France, and renowned Napa Valley vintner, Robert Mondavi. Learn about Opus One, it’s history, the winery and the wine. ![]() Harvest began on September 9th with Malbec and concluded with a small lot of Cabernet Franc crushed on October 11th.īlend: 86% Cabernet Sauvignon, 6% Merlot, 3% Cabernet Franc, 3% Malbec, 2% Petit Verdot Opus One thinned these clusters to the lowest per-acre yield in a decade, balancing the fruit with its canopy of leaves while encouraging high quality and concentration in the berries. Light precipitation and moderate temperatures in the spring boosted soil moisture and prompted a good fruit set with high berry counts in individual clusters. The 2002 vintage in Oakville saw only one significant rainfall in January, with most rains falling in December of the prior year. Silky tannins and a seamless balance enhance a long, unwavering finish accented by bittersweet chocolate and a hint of smoke. A marriage of richness and restraint, the wine combines a lean, vibrant entry with profound mid-palate density. Showing nuances of dried strawberry, vanilla bean, and mocha in the nose, the wine offers lavish flavors of cassis, black cherry, plum, and espresso. Two parcels, totaling 100 acres, are within the renowned To Kalon Vineyard. These are complemented by the combined 70 acres of the Ballestra and River parcels, which envelop the winery. In the vineyards, hand-harvesting and other traditional approaches are taken wherever they work best.The 2002 Opus One is deep garnet. The estate vineyards of Opus One, comprised of four parcels, sit in the western portion of the famed Oakville AVA in Napa Valley. It remains an ongoing testament to the founders’ vision of a singular wine that transcends generations. Rising gracefully from the vineyards, Opus One winery stands in subtle celebration of the land and the open space that surrounds the estate. Guided by the vision of our founders, winemaker Michael Silacci combines intuition and technical acumen with the dual perspective of viticulturist and winemaker. From tasting berries to careful sorting and extended aging in new French oak barrels, each stage of the winemaking process is afforded the same meticulous consideration and attention. After 18 months, the Opus One wine is bottled and held an additional 15 months until release on October 1st each year. Place, often defined as terroir, represents the geography, the climate and the essential human element which is captured in the wine’s balance between power and finesse, structure and texture. The essence of time is expressed in Opus One wine by the character of each vintage. ![]() ![]() What do you call a sleeping dinosaur? Dino snore.Why is that picture in jail? Because it was framed.What is the term used for birds that stick together? Vel-crows.What is a fake spaghetti called? An im-pasta.But cannot do it now as it is still a ‘work in progress’. What is Harry Potter’s favorite method of getting downhill? JK Rolling.What do you call a cold dog? A chili dog!.“Get out of here!”, shouts the bartender. Helvetica and Times New Roman walk into a bar.Why are pirates called pirates? Because they arrrr!.Did you hear about the mathematician who’s afraid of negative numbers? He’ll stop at nothing to avoid them.I’m terrified of elevators, so I’m going to start taking steps to avoid them.Working in a mirror factory is something I could totally see myself doing.A nurse told me, “Sorry for the wait!” I replied, “It’s alright, I’m patient.”.What do you call a bear with no teeth? A gummy bear.Why did the dog cross the road? To get to the barking lot!.What’s the best part about living in Switzerland? Not sure, but the flag is a big plus.There are two types of people in the world, those who can extrapolate from incomplete data.I used to be addicted to soap, but I’m clean now.Did you hear about the guy who stole a calendar? He got 12 months they say his days are numbered.Did you hear about the claustrophobic astronaut? He just needed a little space.The ball kept getting bigger and bigger.What is the easiest way to burn 1000 calories? Leave the pizza in the oven.Why do they not play poker in the jungle? There are too many cheetahs.How do you think the barber won the race? He took a shortcut.Why do cemeteries have gates? Because people are dying to get in.What music do planets like to listen to? Neptunes.What does a sea monster snack on? Fish and ships.What caused the bicycle to collapse? Because it was two tired.What happens if a seagull flies over the bay? It will become a bagel (Bay-gull)!.The broom was late today because it overswept last night!.What kind of music do the mummies listen to? Wrap music.Did you hear about the actor who fell through the floorboards? He was just going through a stage.Where did Napoleon keep his armies? In his sleevies.Why do you smear peanut butter on the road? To go with the traffic jam.Dad, can you put my shoes on? No, I don’t think they’ll fit me.What do you call an elephant that doesn’t matter? An irrelephant.An old lady came in and asked me to check her balance, so I pushed her over. I got fired from my job at the bank today.What has four wheels and flies? Garbage truck.Why did the mushrooms get invited to all the best parties? He was a fun-gi!.Why won’t it hurt if you hit your friend with a 2-liter of soda? Because it’s a soft drink!.When your teacher asks “Where’s your homework?” It took a sick day.Grandma: Back in our days, you could buy bread, milk, soaps, spices, eggs, meat, all for a dollar. ![]()
So, are you tempted to go tropical? Well, all it takes is a few simple steps to order your flamingo wallpaper mural.įlamingos ooze fun, flamboyance and fancy flair. The mesmerising and lively colors in our flamingo wall murals mean you can mix and match different accessories in your room or let the mural be the focal point. Our wall murals prints include a variety of designs including a flock of flamingos displaying their beautiful colors to two or three flamingos standing in a majestic background. But the flamingo trend is hot on the unicorn’s heels! We all know that the unicorn trend has pretty much taken over every household in some way. If you love flamingos but are worried about having too much pink in your room then fear not! Our gorgeous collection includes flamingo prints in a variety of colors so there’s something for everyone. You’ll not only be bang on-trend with a flamingo wall mural but also depending on the style you go for it’ll never go out of fashion because flamingos are forever. You may have seen the pretty bird on everything from t-shirts, mugs, to cushion covers so it’s safe to say it’s pretty popular. Fire Skull Backgrounds Images amp Pictures Becuo. blue fire skull live wallpaper one of the best blue flaming skulls out. ![]() You can bring your interior design to life with a bright and beautiful flamingo wallpaper mural. Flamingo 1080P, 2K, 4K, 8K HD Wallpapers Must-View Free Flamingo Wallpaper Images - Don't Miss 100 Free to Use Personalise for all Screen & Devices. View bigger Blue Fire Skull Live Wallpaper for Android screenshot. ![]() ![]() Our flamingo wallpaper murals are vibrant, fresh and playful and will brighten your home while showing off your personality. With both VR and 2D play experiences in mind, this definitive, modern edition of Myst will immerse you in the world in a way that has never been possible before. Now you can explore the Ages of Myst in a new dimension!ĭesigned and built from the ground up in Unreal Engine, this newly-reimagined version of Myst includes fresh takes on the visuals in every area in the game. the highly anticipated Myst 2D/VR experience has arrived! Explore deeper connections in these stunning and surreal Ages, uncover a story of ruthless family betrayal, and make choices that will affect both you, and the world of Myst itself.Ĭyan, the indie studio that created the beloved classic, has reimagined Myst.īuilt from the ground up to play both in VR as well as traditional flatscreen displays, Myst is teeming with new art, new sound, re-imagined interactions, and even optional puzzle randomization. As you learn what happened on the island, you will find that you are playing a key role in an epic story whose ending has not yet been written. Journey to Myst Island and other stunning, long dormant locations - called “Ages”- and begin to unravel the mystery you have been thrust into. ![]() ![]() Welcome to Myst: a starkly beautiful island, eerily tinged with mystery and shrouded in intrigue. ![]() Trent also contributed to the making of the book Make Your Own Damn Movie!. Trent has currently acted in 19 independant movies (mostly horror spoofs and parodies such as Tales from the Crapper, 68 Kill, Gimme Skelter, The Devil's Muse and Knight of the Living Dead), and produced 5, including the TV series Damage Control. Due to simultaneously playing the leader of the Diaper Mafia in the film, Haaga was forced to direct many of these scenes in a baby bonnet and an adult diaper. ![]() Afterwards, despite the excellent pay of his former work, he decided he felt no true allure to it, and left to join Troma, where he wrote, produced, and assistant directed the fourth film in the Toxic Avenger series, Citizen Toxie. ![]() Two years later, Trent was working for an internet company, and by chance happened to stumble upon Troma Entertainment's website, where they were looking for extras on their latest film, Terror Firmer, which he auditioned for, eventually recieved the role of "Jerry" after "about a billion callbacks". Trent attended three different rural high schools during his childhood since his parents moved around a lot, later going on to attend Columbia College, where he learned "the nuts and bolts of filmmaking and theory and generally fucked about for four years", with the intent of getting a degree and then working a terrible job and not having anything to do with the industry. Throughout Trent's entire life, he has always been what he considers a "horror junkie". ![]() Wear a gingham sexy one piece swimsuit with a tight denim skirt at your next pool party for a playful look.Pair a coral off the shoulder women’s one piece swimsuit with a flowy skirt that gives off some seriously tropical vibes. ![]()
![]() They're cautious because of the low returns in the life division and concerns that the U.S. Morgan analysts have an $8 price target and a "neutral" call. To be sure, not everyone thinks the shares are cheap. The big knock against Genworth and the reason it's trading so cheaply is that it hasn't been very profitable, earning a return on equity of only 3 per cent last year, although that shouldn't be too much of a concern for investors buying in at one quarter of book. He said not much has changed since then and the rest of the company is available at a "dirt cheap" multiple. Palmer did some number crunching along these lines in 2011 when he initiated coverage on the company and calculated the life insurance and wealth management operation was trading at only 1.8 times earnings, a rock bottom valuation. mortgage business is in the early stages of a turnaround. Strip out these assets, and investors are getting the rest of the company almost for free, with the added kicker that the U.S. Meanwhile, its market capitalization stands at $4.2-billion – but its share of the Canadian subsidiary is worth $1.4-billion and the Australian unit about $2.3-billion. 31 of $33.62 a share, compared to its recent market stock price of about $8.50. He rates the stock a "buy" and has an $11 target.Ī short foray into some of the moving parts of the Genworth balance sheet illustrates why the market may be mispricing the company. "We've seen the shares appreciate somewhat but they are still, in our view, no way reflective of the company's inherent value," contends Mark Palmer, analyst in New York for BTIC, an investment dealer that caters to institutional clients. The shares have rallied a bit on hopes for the housing recovery, but not nearly exhausting the upside potential. mortgage business should return to profitability this year, a welcome development after years of losses. The home loans insured since 2008 are highly profitable, and exhibit excellent underwriting standards. Most of the liar loans and other dubious mortgages Genworth insured before the crash are being run down. ![]() The thesis of the bulls is that Genworth has a likely catalyst that could move the shares upward: the U.S. The company also has a medium-sized money management business, and offers mortgage insurance in Australia. 2 player in the domestic mortgage insurance market after federally owned Canada Mortgage and Housing Corp. Its credit rating is triple B minus, still investment grade, although just a notch above junk status.Ĭanadians may be familiar with the name – its Canadian-owned affiliate, Genworth MI Canada Inc., trades in Toronto and is the profitable No. Besides mortgage insurance, it offers traditional life insurance and is one of the largest providers of long-term care insurance in the United States. It has a respectable corporate pedigree, having been spun out of conglomerate General Electric Co. It had $114-billion in assets at last count. Genworth isn't an obscure, fly-by-night company. If he sees a gem in a publicly traded stock that the street has priced as a dog, it's worth a closer look. It isn't every day that ordinary investors can take a position alongside a money manager of Mr. |
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