![]() ![]() Thomas compared the Refund Processing fee to Refund Anticipation Loans, which third-party companies used to advertise as a way for people to get their loans faster - at a high cost. If someone finishes their taxes and doesn't have cash ready to cover their preparation fees, "they have no choice but to do it this way," she adds. Thomas explains the option essentially amounts to TurboTax giving users a short-term loan with a high interest rate while their refund clears. "If it's hard to undo or people aren't reading the fine print - which people in general are not good at doing - they're probably able to collect that fee from people" who don't really need the service, Thomas says.įor some, though, the Refund Processing Service isn't about enabling laziness - it's about targeting people who don't have the money on hand to pay TurboTax for doing their taxes. Thomas says the fee ends up catching two kinds of people: unwitting ones and low-income consumers. Social media is flooded with unhappy customers asking TurboTax why they were billed for the fee, which appears to have risen from $29.95 to $39.99 in recent years. And I'm not the only one who almost accidentally got charged for it. "A customer can change their payment method prior e-filing by revisiting the payment options screen and selecting Pay with Credit Card," she added. "You can certainly e-file or direct-deposit your refund without choosing Refund Processing." What Does TurboTax Have to Say About This?Ī spokeswoman for Intuit, which makes TurboTax, tells Money that the service is "an added convenience offered for those customers who don’t have their credit card handy - and is completely optional." "Despite the somewhat misleading name, you don't need Refund Processing to process your refund," it writes in its frequently asked questions section. It's not mandatory - even TurboTax has acknowledged that the title is confusing. It's part of a trend - "the latest in what's been a history of various methods tax software companies have used to get extra money from taxpayers," she says. Kathleen DeLaney Thomas, a professor at the University of North Carolina School of Law, tells Money it's not just a TurboTax issue. What's the Deal With the Refund Processing Fee?Īccording to recent tweets from the Refund Processing fee "is charged by the Santa Barbara Tax Product Group," a TurboTax affiliate company that needs it to cover unspecified "services rendered." Basically, it's a fee to pay your fees. ![]() If I, a personal finance reporter who spends 40 hours a week working on a magazine called Money, didn't catch this fee, would other people? What's it used for, anyway? And why is it so tricky to remove? I clicked back through the pages of my return, each time a little afraid I would mistakenly delete some crucial piece of information, until I figured out how to deselect the Refund Processing option. I may be lazy, but I'm not sacrifice-$40-because-I-don't-want-to-find-my-wallet lazy. That's what I was charged for the Refund Processing Service, which surprised me when I went to check out and saw my bill was way higher than I thought it would be. What I didn't realize was that my laziness had a price - of $39.99, to be exact. Why would I get up and dig out my debit card when I could just pay TurboTax from the pool of money I was about to get? I was at my kitchen table, and my purse was in my bedroom. So when I was doing my taxes a few days ago - right before the April 17 deadline, because I'm also a chronic procrastinator - and TurboTax offered me the option to take its preparation fees directly from my refund, it seemed like the obvious choice. I order a lot of takeout, I love to sleep past noon and I prefer to take Ubers instead of the subway. Not so much a slacker, but definitely a couch potato. Let me just cop to this right now: I can be pretty lazy sometimes. ![]()
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![]() $53 billion increase in spending by the Federal Deposit Insurance Corporation (FDIC) due to several bank failures throughout spring 2023, which it expects to recover by liquidating the banks’ assets and collecting higher premiums from other FDIC-insured institutions over several years.$112 billion (34%) increase in net interest payments on the public debt from rising interest rates and a growing debt burden.Outlays were $4.2 trillion, an increase of 11%, largely due to:*.$12 billion (18%) decrease in customs duties due to a reduction in imports.(These collections count towards federal revenue, as UI is a federal program administered by states.) $13 billion (24%) decrease in unemployment insurance (UI) receipts, as states levied higher taxes on employers during FY2022 to replenish UI trust funds that were depleted from high unemployment during the pandemic.$82 billion (99%) decrease in remittances from the Federal Reserve, as continued higher interest rates raised the Fed’s interest expenses above its income and eliminated profits across most of its banks.$99 billion (49%) increase in individual income tax refunds.Of this amount, non-withheld payments of income and payroll taxes declined by $261 billion (28%), largely reflecting a decrease in 2022 tax liabilities. $5 billion (2%) net increase in corporate income tax receipts, while individual income and payroll tax revenue declined by $299 billion (10%).Revenues were $3.0 trillion, a decrease of 11%, largely due to:.The government ran a cumulative deficit of $1.16 trillion through May ($1.22 trillion when adjusted for timing shifts, $798 billion more than during the same period last year.*).The May 2022 deficit was impacted by unique timing shifts in outlays, if not for which it would have been $131 billion instead of $66 billion, resulting in a YOY increase of $105 billion.*įiscal Year-to-Date Comparisons with FY2022 :.$544 billion in outlays, increased YOY by $89 billion (20%).$308 billion in revenues, decreased YOY by $81 billion (21%). ![]() ![]() $236 billion deficit, increasing year-over-year (YOY) by $170 billion.Give Search Keywords Submit Policy Areas. ![]() ![]() ![]() Mazurka was first introduced as one of Season 3's main antagonists first encountered in Wohlstok who later turned to a supporting character during the story's Chapter 6 storyline.She is available as a Guest Unit in the Story Event, A Friend Like You.Trust Mastery Don't go! We finally got to know each other! Even I can say how I really feel sometimes! Physical damage (73x) with timed jump delay (2 turns) to one enemy Physical damage (67x) with timed jump delay (2 turns) to one enemy Physical damage (62x) with timed jump delay (2 turns) to one enemy Physical damage (57x) with timed jump delay (2 turns) to one enemy Increase ability modifier (20x) for 4 turns to caster (can't be dispelled): Blooming Jump, Blooming Jump+1, Blooming Jump+2, Blooming Jump+3, Blooming Jump+4 Physical damage (65x) with timed jump delay (1 turn) to one enemyįire physical damage (80.5x) to one enemy Physical damage (80x) with timed jump delay (2 turns) to one enemy Increase ATK (300%) for 3 turns to caster Increase equipment ATK (400%) and physical accuracy (25%) when single wielding any weaponĬhance to counter physical attacks (30%) with Time for me to get serious! (max 1/turn)Ĭhance to counter magic attacks (30%) with Time for me to get serious! (max 1/turn)Įvade 3 physical attacks for 4 turns to all allies Increase physical damage against plants (150%) Final Fantasy Brave Exvius Wiki is a FANDOM Games Community. He maintains a distant attitude, not speaking much about the agonizing trial awaiting them at the end of the journey. Rikkus Pouch: Over the Top: Baroque Sword: Basilisk Steel: Razzmatazz: Switch Hitter: Hyper Ball: Devastator: Override: White Mask: Black Mask: Arcturus: Ashes Ring: Zodiac Spear: Adamant Vest: Recovery Rod: Apocalypse. He guides his companions with the experience he gained during his time as High Summoner Braskas Guardian. ![]() Mitigate magic damage taken against plants (40%) for 1 turn to one ally, except caster A swordsman who appears in the tales of a faraway world trapped in a spiral of death. Mitigate physical damage taken against plants (40%) for 1 turn to one ally, except caster Increase chance of being targeted (100%) for 1 turn to one ally, except casterĪuto-revive (80% HP) for 1 turn to one ally, except caster Increase ice, water, earth and light resistance (80%) for 2 turns to all alliesįire physical damage (100x) to all enemiesĭecrease fire resistance (120%) for 5 turns to all enemiesĪdd fire element to physical attacks for 5 turns to caster Increase chance of being targeted (100%) for 2 turns to caster Increase LB damage (150%) for 2 turns to caster (can't be dispelled) Increase physical damage against plant (150%) for 5 turns to caster Increase ATK (300%) for 5 turns to caster Physical damage (1x) with increased break damage (500%) for a spear to one enemyįilter Cast 3 times: Baton Lance, Blazing Lance, Don't make me stomp my feet!, Double-Edged Spear Drive, Emotional Slash, Emotional Slash+1, Emotional Slash+2, Emotional Slash+3, Emotional Slash+4, Sealing Double-Edged Spear, Ugh, look over here! Evade 2 physical attacks for 4 turns to all allies ![]() ![]() But if you choose to describe any universal OAT whether it contains 2eha or not, as a dexclone, then that is your opinion. No, if it was a universal OAT containing ' 2eha 'like Peak Long Life and Prestone AM/M but without the specific 2eha GM Dex Cool spec, then it would be a Dex Clone. If it was identical, it wouldn't be a Dexcool clone, it would be Dexcool. My first change interval (at 100,000 miles) is supposed to last until 150,000 miles. However, if there is some chemistry differences, as you are saying (especially in the "10 Fusion Hybrid), can I expect any drawbacks in a real world application? I already have almost 100,000 miles on the original coolant on the Fusion. Valvoline (Zerex) is telling me the same thing: To use their same G-05 in both vehicles. But last I checked at local Ford dealers, MSG had gotten pricey even for full strength. And then there is full strength Motorcraft Specialty Green P Hoat that could be used in both. ![]() G-05 is another Long Life/Extended Life option, but as mentioned it contains silicates (low) as opposed to none in an Asian coolant. Also similar properties to G-05 but has no silicates as opposed to low silicates. There is Peak Global Lifetime which is a Long Life/Extended Life OAT with all the properties of the Asian coolant minus the P, phosphate. No matter what he chooses, if he wants to run the same coolant in both vehicles there will be some chemistry difference whatever the choice. And as bdcardinal pointed out an Asian P-HOAT (Motorcraft Specialty Green) for the 10 Fusion Hybrid. To answer the OP's question, he's dealing with G-05 for the 04 Focus. So to answer Best's question, I would give PGL a thumbs up 'if' using the same coolant in both is a priority. Perhaps sematics, but PGL being a universal OAT minus 2eha seems a better description. But unlike Dexcool/dexclones, non 2eha PGL also makes it the same as both Asian and Euro coolants in that respect. A more accurate description imo, is a universal OAT coolant with similar properities, no silicate, no amines, no nitrites, no borates, all of which are also properties of an Asian P-Hoat. Imo, calling Peak Global Lifetime a Dexcool clone/Dex-clone is not accurate. It's a Dexcool clone without a 2EHA plasticizer.īy implied definition, a "Dex-Clone" is most similar to GM "Dexcool" because they both contain 2eha as an active ingredient. ![]() Is the Peak Global Life 50/50 coolant, a thumbs up, or thumbs down for either, or both vehicles? ![]() ![]() In this example, we had an image with a 300ppi resolution. You will notice that when you type a value into the Resolution field, the values of the document's width and height also change.Ĭongratulations! You have successfully changed the resolution of an image! In the Resolution field, type in your desired resolution. This will become clearer as we continue to alter our image's resolution.ĥ. To change resolution we are NOT changing the number of pixels in the photo, but changing only how many of those pixels will be displayed per inch. Adding and subtracting pixels is what happens when we resize images (to enlarge or shrink them). This lets Photoshop know that we do not want to add or subtract any pixels to the photo. To change only the resolution, uncheck the Resample Image box. An Image Size dialog box will appear like the one pictured below.Ĥ. Tip: You may right-click and save the tiger image below to use it as a practice image.ģ. With Photoshop open, go to File > Open and select your image. One would change the resolution of an image particularly for printing purposes, because the quality of the print is dependent on the resolution of the image.ġ. Image editing programs like Adobe Photoshop can give you resolution information and allow you to change the resolution of an image. How to Change Image Resolution Using Adobe Photoshop ![]() ![]() The fact that the gradients for the negative part of the function approach zero can also be observed in Swish, Relu and Softplus activations. Despite of this, we believe that the non-monotonicity of E-swish favours its performance. It’s very difficult to determine why some functions perform better than others given the presence of a lot of confounding factors. E-swish is just a generalization of the Swish activation function (x*sigmoid(x)), which is multiplied by a parameter β: In this paper, we introduce a new activation function closely related to the recently proposed Swish function (Ramachandran et al., 2017 ), which we call E-swish. However, none of them have managed to replace Relu as the default activation for the majority of models due to inconstant gains and computational complexity (Relu is simply max(0, x)). Since then, a variety of activations have been proposed (Maas et al., 2013 Clevert et al., 2015 He et al., 2015 Klambauer et al., 2017 ). The introduction of the Rectifier Linear Unit (ReLU) (Hahnloser et al., 2000 Jarrett et al., 2009 Nair & Hinton, 2010 ), allowed the training of deeper networks while providing improvements which allowed the accomplishment of new State-of-the-Art results (Krizhevsky et al., 2012 ). The problem came when the depth of the networks started to increase and it became more difficult to train deeper networks with these functions (Glorot and Bengio, 2010). Initially, since the first neural networks where shallow, sigmoid or tanh nonlinearities were used as activations. A correct choice of activation function can speed up the learning phase and it can also lead to a better convergence, resulting in an improvement on metrics and/or benchmarks. The election of the activation function has a notorious impact on both training and testing dynamics of a Neural Network. ![]() ![]() ![]() Throughout the body, blood runs from the heart to the extremities (arms and legs) - from close to the body (proximal) to the fingers and toes (distal). The red arrows indicate the location of the anatomic snuffbox.Īs mentioned above, the scaphoid has a poor blood supply. Photograph and X-ray showing the location of the scaphoid in the wrist. ![]() Often referred to as the "anatomic snuffbox," this area is typically where you feel the most tenderness or pain when a scaphoid fracture occurs. It is located at the base of the hollow made by the thumb tendons on the back of the wrist. The scaphoid bone can most easily be identified when your thumb is held in a "hitch-hiking" or "thumbs-up" position. Smooth and unrestricted (free) motion of the scaphoid is necessary to allow for optimal motion of the wrist. The scaphoid is especially important to wrist function because it links the proximal row of carpal bones (the bones closer to the radius and ulna) to the distal row of carpal bones (the bones closer to the fingers). The word "scaphoid" comes from the Greek term for "boat." The scaphoid bone resembles a boat with its relatively long and curved shape. The bone is important for both motion and stability of the wrist joint. The scaphoid bone is one of the carpal bones on the thumb side of the wrist, just above the radius. Rosemont, IL, American Academy of Orthopaedic Surgeons, 2010. Reproduced from JF Sarwark, ed: Essentials of Musculoskeletal Care, ed 4. The scaphoid is one of the small carpal bones in the wrist. ![]() ![]() Repeat the process with each section of hair, gliding once from roots to ends. Kristin Ess 3-In-One Titanium Flat Iron Hair Straightener Best Budget. BaBylissPRO Nano Titanium Prima 3000 Styling Iron 8. Gently move toward the tip of the section in one simple gliding motion. Harry Josh Pro Tools Ceramic Flat Styling Iron 1.25 Inch Best Titanium Flat Iron. For 300, the Harry Josh Pro Tools Pro Dryer 2000 is the couture of hairdryers, says the international creative consultant for John Frieda, whose client list also includes Helena Christensen and. Ensure that the styler is as close to the root as possible before closing the plates. ![]() Spray ghd heat protect spray - bodyguard and comb through from root to tip before styling. Ghd 20 Years of Hair-itage - loved by beauty enthusiasts, endorsed by stylists. Enjoy 70% stronger hair,* 75% more shine,** and 2x more color protection. ghd's ultra-zone™ technology monitors heat 250x a second to maintain the healthiest temperature without extreme heat damage. All of our stylers are pre-set to the optimal styling temperature of 365☏. ![]() No more guessing the correct styling temperature. Best for Thick Hair: Harry Josh Pro Tools Ceramic Flat Iron. Best Smart Iron: T3 Lucea ID 1 Smart Flat Iron. (Though if you have shorter, thinner hair, consider Drybar’s smaller model: the Single-Shot.Discover our best selling smart styler with over 50 global beauty awards, including three Allure Best of Beauty Awards for Best Flat Iron. Best Cordless Iron: Dyson Corrale Hair Straightener. Elizabeth says this one would work on a variety of hair types and particularly well for those with longer hair. This one has three heat settings so you can adjust it according to your hair type: cool, medium, and high. She says it’s important to “find a fast-drying and robust blow-dryer brush,” and this one fits the bill. She especially likes the combination of tufted and nylon bristles, which “allows for the coveted tension and control that you need for that exceptional blowout look.” Stylist Takisha Sturdivant-Drew, whose celebrity clients include Kerry Washington and Renee Elise Goldsberry, agrees. Not only is it best in class, but “it creates lift starting at the crown,” she explains. “It takes the crown,” says Maria Elizabeth, founder of Salon deZEN, meaning it both figuratively and literally. In order to fit every hair texture and be suitable for any condition, you can adjust the settings from 235F to 425F. Weight: 2.6 pounds | Heat and speed settings: 3 heat settings | Power: Not availableĭrybar’s Double Shot Blow-Dryer Brush took the top spot in our post dedicated to the best hair-dryer brushes. Of course, hairstylist Harry Josh did not create this hair straightener without temperature settings or control. Plus, the dryer never exceeds 300 degrees, ensuring I don’t accidentally apply excessive heat to my hair, a must for minimizing damage while styling. Of all the hair dryers I’ve tried in my life, the Dyson is far and away the best in its class for its fast dry time (it takes less than ten minutes for my long hair), lightweight construction, and quiet motor. “It’s great for all hair types, and even for women who wear extensions, leaving the hair smooth and shiny,” says Chabbi. “The accessories are what set this apart,” says Trygstad, noting that he finds the diffuser to be the “best” available on the market right now. ahead of the curve in his work is the same mindset which he uses to approach the design of his hair tools line, Harry Josh Pro. Celebrity stylists like Adel Chabbi use it in their salons beauty veteran Linda Wells is a fan and with plenty of accolades to its name, it’s definitely a top-of-the-line choice if you’re a professional or are just super-serious about at-home blowouts. The Cordless Flat Iron and Curling Iron by Harry Josh Pro Tools. ![]() ![]() It’s become the most-talked-about new hair invention of recent years. Harry Josh Pro Tools says the blow dryer’s dual filtration system helps reduce energy consumption, and it comes with an 11-foot extension cord. Of course, it’s hard to talk about the best hair dryers without mentioning the Dyson Supersonic. Best salon-level hair dryer: Harry Josh Pro. Weight: 1.8 pounds | Heat and speed settings: 4 heat, 3 speed settings | Power: 1,600 watts ![]() ![]() ![]() That’s a decent turnaround, but again, you have to remember that your cashback rewards will take time before they get credited to your LetyShops balance. 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And the first thing I noticed about LetyShops is it really has plenty of cashback offers you can choose from. After all, buying something just for the sake of getting the cashback rewards will be counter-productive. Because if there are more cashback offers to choose from, there’s a good chance you’ll find something that is truly worth buying. Now, the mark of a good cashback site is that it has plenty of cashback offers you can choose from. You can only avail of cashback offers from online purchases. It doesn’t offer any cashback rewards for purchases from physical stores. First off, LetyShops only offers cashback rewards for online purchases. Option 1 – Cashback offers - As the name suggests, a cashback offer is an offer where you will get a percentage of the amount you spend for a product or service. So, here’s how you can earn from LetyShops. ![]() But is it worth joining though? 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OFF Letyshops Promo Codes ➡️ ( Letyshops Coupon Codes) June 2023 USA Today's top Letyshops coupons & deals FREE USA: You can find perfect offers on Letyshops. ![]() ![]() ![]() If you are lucky it is only your hand or arm that is injured but there are also other parts of your body which may be hit. Although you cuddled it just a minute ago, you may have to see to a wound seriously bleeding a second later. Grown-up cockatoos have a bad reputation for their sudden changes of temper. Or your cockatoo will perhaps attack you whenever you come close to your partner. It may even happen that your cockatoo does not fall for you but for your partner, who may not be as enthusiastic about birds as you are. This is in your own interest because otherwise you will not have single a moment of rest - you will have to be the substitute for another cockatoo which would otherwise make him company all day long. It would be much better if you kept your pet with another one of its kind. This relating to a single human being is only a less-than-ideal solution, chosen by a cockatoo that has no natural partner. The cockatoo defends its master, so it may attack another members of the family who come close to its person. This choice is up to the bird and cannot be manipulated by man. In most cases birds kept alone in a cage choose only one person they relate to. ![]() There is no guarantee at all that your cockatoos will like you, your partner or your children - regardless of what the breeder or former owner may have promised you. Either you and your family will simply be ignored, or even worse, you may be seriously bitten - which will be extremely painful. Months may pass by before cockatoos really feel at home in your house. ![]() |
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