![]() Under Facts are the name of the client (s) and an assumptions box. There are five primary views that are accessed at the top of the screen: Facts, Balance Sheet, Income Studio, Lifestyle Studio, and Legacy Studio. Within a matter of months, however, the planning data will also be on a common database.Īnother important thing to understand is that Wealth Studios organizes information in a way that is client-friendly. Today, all planning assumptions that are used in MoneyGuide are on a common database all planning data is shared with Wealth Studios. Wealth Studios is integrated with MoneyGuide. It is easy to use, especially if you have already entered information into MoneyGuide. The visual aspect of this is important because this is meant to be a visual client communication tool as well as a planning tool. It is not often that I say that about advisor technology. The first thing you need to know about Wealth Studios is that it is visually stunning. If you want the best and most sophisticated that MoneyGuide has to offer in the estate planning area, you purchase MoneyGuide Elite with Wealth Studios. If you just want to cover estate planning basics, that is all you need. One path is to purchase MoneyGuide Elite. So, to be clear, if you are a MoneyGuide user and you want to address estate planning, you have two paths. If you typically make use of CLT’s, CRT’s, GRAT’s, IDGT’s and the like when estate planning for clients, you need Wealth Studios. Wealth Studios excels at advanced estate planning. It allows the advisor to illustrate the impact of alternative strategies side by side. It can illustrate gifting strategies, bypass trusts, ILIT’s, and life insurance policies owned by others. This software does a nice job with estate planning basics, but its scope is limited. Historically MoneyGuide was weak in estate planning, it began to address the gap several years ago with MoneyGuide Elite. The Wealth Studio balance sheet is dynamic. MoneyGuidePro has a balance sheet report, but it is static, and it has limitations. When it comes to some types of reporting, and when it comes to some types of interactive planning with clients, MoneyGuide has a few gaps. The Play Zone allows clients to look at various underlying assumptions (returns, rate of inflation, taxes, longevity) with or without the assistance of an advisor. Illustrating some things like the risk/reward of different asset allocations or comparing scenarios side by side work very well in MGP. For example, MoneyGuide allows advisors to do collaborative planning with clients. Wealth Studios is an additional module to MoneyGuide that addresses some of the areas that MoneyGuide has historically been weak in. ) Walters left eMoney a number of years ago, and he is now a consultant working with Envestnet MoneyGuide on the Wealth Studios product. Fast forward to 2021, and those two firms account for well over 70% of the financial planning software market according to the 2021 T3/Inside Information Advisor Software Survey (You can participate in the 2022 survey here. ![]() That firm was headed by an entrepreneur named Edmond Walters. I wrote the initial comprehensive review of that application for Morningstar advisor 20 years ago, and they continue to impress me to this day.Īnother innovative application that launched around that time was eMoney. One of the few that has managed to maintain its culture of innovation over that 20+ year period in MoneyGuide, now known as Envestnet MoneyGuide. As someone who has been reviewing advisor technology for over 20 years, I have seen a lot of advisor-focused technology firms come and go.
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![]() ![]() Another nitpick I have is the fact that there is an achievement for getting 1 million coins. I would also not recommend buying if you have a short attention span or you are not patient as some of the games get repetitive and the 3 stars are sometimes very tricky. The game is really fun and I would recommend buying, however I would recommend being comfortable using the keyboard rather than the mouse to control, as the mouse controls are very iffy on some games. The controls are fine and the 3 stars are just the right amount of challenging requiring you to do well, but not to be perfect. It is very repetitive and all the levels (there are 50) are all pretty much the same besides the number of test tubes. This is for sure the worst game of the 5. Overall though this one was very fun to play. Some of the 3 stars are also based on luck, which is not great either. The 3 stars on this one are based on points rather than time which is much preferred, however some 3 stars are WAY too precise like the one on level 6 which for some reason requires you to be almost perfect. This one is very fun and the controls feel very nice. The mouse controls on this one are also terrible forcing you to click 3 times to move one car and acting very unresponsive. This one is fun at first and not too difficult to 3 star, however the later levels on this one are pretty ridiculous, taking multiple minutes to complete and making one mistake can make you restart, not to mention it took me about 30 minutes to get 3 stars on both level 24 and 25 as they were way too long. It gives you 3 - 4 minutes to do some of the levels, when they only take about 1 minute to complete. The controls are great on this game, however the 3 stars are way too easy. This game is another very fun one, it starts very very easy but then surprisingly gets pretty tricky later on, and made me think much harder than I thought I would need to. The mouse controls can be a bit iffy but other than that it's great. The 3 star system is timed on this game, which means once you figure out the puzzle, it is pretty easy to 3 star all levels. It introduces 10 or so mechanics in the first 50 levels, and then messes around with them in different ways for levels 50 - 100. The game is very fun and it's exactly what you would expect. All of the games are pretty fun, and I'm gonna do pros and cons of each followed by the overall pros and cons. There are 250 levels to play in total and it took me about 7 hours to get 3 stars on all of them. Pull the pin, number tower, parking lot, cash run, and the one with the test tubes. There are 5, all of which are shown in the trailer. First off, you can actually play a lot of the games shown in the ads that you have always wanted to play. The only other change of note in the statement was an upgrade of economic growth to "moderate" from "modest" at the June meeting despite expectations for at least a mild recession ahead. The hike received unanimous approval from voting committee members. That echoes a data-dependent approach – as opposed to a set schedule – that virtually all central bank officials have embraced in recent public statements. "The Committee will continue to assess additional information and its implications for monetary policy," the statement said in a line that was tweaked from the previous months' communication. The post-meeting statement, though, offered only a vague reference to what will guide the FOMC's future moves. "With the Fed's latest rate increase of 25 basis points now in the books, we think that improvement in the underlying pace of inflation, cooler job creation and modest growth are creating the conditions where the Fed can effectively end its rate hike campaign." "It is time for the Fed to give the economy time to absorb the impact of past rate hikes," said Joe Brusuelas, U.S. The Dow Jones Industrial Average continued its streak of higher closings, rising by 82 points, but the S&P 500 and Nasdaq Composite were little changed. Markets initially bounced following the meeting but ended mixed. ![]() Powell said the FOMC will be assessing "the totality of the incoming data" as well as the implications for economic activity and inflation. "And I would also say it's possible that we would choose to hold steady and we're going to be making careful assessments, as I said, meeting by meeting." "I would say it's certainly possible that we will raise funds again at the September meeting if the data warranted," said Powell. While policymakers indicated at the June meeting that two rate rises are coming this year, markets have been pricing in a better-than-even chance that there won't be any more moves this year.ĭuring a news conference, Chairman Jerome Powell said inflation has moderated somewhat since the middle of last year, but hitting the Fed's 2% target "has a long way to go." Still, he seemed to leave room to potentially hold rates steady at the Fed's next meeting in September. Markets were watching for signs that the hike could be the last before Fed officials take a break to watch how the previous increases are impacting economic conditions. Personal Loans for 670 Credit Score or Lower Personal Loans for 580 Credit Score or Lower ![]() ![]() Best Debt Consolidation Loans for Bad Credit ![]() Adjust the settings of the filter if you want, or leave the default values if you’re satisfied with how it looks.Open the folder Sketch and choose the filter Graphic Pen. Go to the menu Filter, Filter Gallery.Now that both layers are one smart object change the Blend Mode to Multiply – this will hide the white background of the smart object.Then, right-click on them and choose Convert to Smart Object. Select the top layer and the white layer.Add a white solid color layer in between the two layers that you currently have.Then, use a layer mask to hide all the areas that you won’t need in the final picture and use a soft edge brush to erase the hard borders of the subject. Then paste (as a second layer) the image that you want to turn into a sketch. Start with a base photo of a sketchbook.To unlock all the content, you need to upgrade to a premium version for a monthly fee of $1.99, or a lifetime subscription of $40.99. This picture-to-sketch app is only available for iOS devices, and the video functionality is compatible with newer models starting with the iPhone 5S, iPad Air, iPad Air Mini. Share your creations straight from the app to your social media profiles, or print them using the in-app services to turn photos into postcards or greeting cards – with free shipping. You can choose from cartoons, posters, sketches, comics and many others to create fun effects which you can further customize with the retouching and deformation tools. ![]() You can use the camera in the app to preview the effects in real time, or you can upload and modify the ones in your gallery. How to Use iPhone Camera Filters for Amazing PhotosĬlip2Comic is a picture-to-drawing app that allows you to apply cartoon filters to your photos and videos.You can upgrade to its premium plan, which starts at $4.99, to unlock all features and get higher-resolution exports. The free version of this photo-to-illustration app offers some great filters and basic editing tools. Furthermore, Colorcinch allows you to stylize your artwork with the use of overlays, masks, photo frames, and other retouch tools. ![]() You’re also able to customize the intensity, clarity, and overall look and feel of any effect to suit your creative needs. With a single click, you’re able to turn your photos into ultra-realistic sketches, paintings, cartoons and more.
![]() Tractor-trailers come and go from the gated Southwest Side plant on Sas Drive where activity is nonstop on a floor sectioned according to the 87 steps in the SAS shoemaking process. But consumers can purchase a colorful version – the first performance shoe SAS has ever manufactured and sold. ![]() The Mission 1 is made in all black and began shipping out in July. In 2017, SAS bid against major athletic shoe manufacturers and won a government contract to design and produce the athletic training shoes worn by all U.S. “What we know from every market study we’ve ever done, as well as our gut, is that if we get you into a pair of shoes, you’re coming back for another pair. “What really drives the growth for us is the strength of the product,” Richardson said. Like other premium comfort shoes, SAS shoes aren’t inexpensive, with prices ranging between $125 and $300. But there’s a difference between SAS and its closest competitor brands – Ecco, New Balance, Rockport, Clarke, and Naot, to name a few. ![]() The typical SAS customer is 40 and older, people who work in jobs that require them to be on their feet for long periods or who wear hard-to-find sizes. “What I often hear from retailers is, ‘All this fashion stuff is great, but what pays my rent every month is the SAS inventory,’” Richardson said. The SAS model of offering the same style shoe, instead of following fashion trends, allows retailers to order only what they need instead of making a large upfront investment on a guess. Some styles are so popular and ubiquitous, they’ve been around nearly as long as the company, though 40 percent of all SAS shoe styles were developed in the past five years. SAS makes 116 combinations of sizes and widths in men’s shoes and 88 for women, with almost every style conceived, designed, and manufactured in-house. It also serves as the distribution point to 1,000 other retail outlets in the U.S. Located in the former La Salle High School buildings on South Zarzamora Street, the SAS Shoemakers headquarters is where the family-owned enterprise manages 125 company stores across the country and three factories – one in San Antonio and the others in Del Rio and Acuña, Mexico. even though 99 percent of all shoes sold in America are manufactured elsewhere, according to a Business Insider report. About 25 million pairs of shoes are made annually in the U.S. SAS is now one of only 230 shoe manufacturers in the United States, according to a spokesman with the Footwear Distributors and Retailers of America. Now in the hands of Armstrong’s kids, the company is run by Nancy Richardson, named CEO in 2012. Terry persevered and prospered and eventually bought out Hayden before his death in 2005. “No one would lend them money,” her sister Cheryl Remmert added. “When we moved here, we went from rental house to rental house because our dad was sure we weren’t going to make it.” While Terry’s wife, Regina, supported the family with a job at UPS, Terry struggled against the tide of shoe manufacturers moving operations overseas in the 1970s. “They were young, they had their ideas, and they decided they could do it themselves,” said Lisa Armstrong, Terry’s daughter. Night after night eventually turned into several years of hard work, and by 1979, the business was beginning to grow. But the early days were hard, with Terry bringing home small pieces of leather from the factory so his teenage daughters could pitch in to help, hand-sewing shoe uppers for full assembly back at the factory the next day. Customize reports for fast and easy goal tracking Estimate the number of intervals required to complete a task and track the estimation error Block distracting apps and websites during work intervals Use filters by tags and due dates to keep focussed on the most important tasks Specify different timer settings for different tasks Number of intervals between long breaks.Customize the timer settings to maximize productivity: Use either your iPhone, iPad or Mac – your devices always stay in sync. Create tasks, configure breaks and track your progress throughout the day, week or custom period. It’s a surprisingly effective way to retain motivation and focus. The Be Focused lets you get things done by breaking up individual tasks among discrete intervals, separated by short breaks. Thank you.Staying on task seems is a real challenge for our screen-bound generation. Please get in touch with us at so we can take a look at why this is happening. I really like the layout, concept, and Apple Watch integration of this one, but it’s just too buggy to be useful. A pomodoro timer needs to do a few simple things, not create frustration. But the “skip interval” option just takes me back to the beginning of the interval and doesn’t allow me to start a whole new 2-hour Pom. I should have been able to do this by skipping work intervals and breaks until I got to the end of the four intervals. ![]() Then, today I got sidelined with some phone calls so I wanted to start my Pom cycle over from the beginning because I was only halfway through when I got the calls. This is the ONE THING this app must do right to be useful, and it can’t do it reliably. I’ve read of LOTS of people having this issue, which makes me think this app has been pumped up with fake reviews. More seriously, is WHEN THERE IS NO NOTIFICATION, and I keep working or take too long of a break because I wasn’t notified. One minor issue is getting double notifications when the timer is up, not a big deal, but annoying. I really gave this timer a chance and had numerous interactions with support that were not successful. Definitely worth the money in my opinion ☺️ Breaking down tasks into manageable parts with this app has helped me be both more efficient and effective, so I would suggest it to anyone who could use some help with time management! I used to be embarrassed to use a timer for this purpose because all the reviews made it seem like it was just for kids, but let me tell you I think that ANYONE would benefit from this app if they would like to manage their time more effectively. Setting a timer has been a great way for me to break through that initial anxiety and just get started. Finally this app has been a game changer for me with intimidating tasks. It’s really nice because I don’t have to be using my phone to still get the time-minding reminders I need. My favorite feature is probably the minute increment alerts that sound like ticks, they’re super helpful for keeping me on track if I’m listening to anything with headphones and away from my phone. I love this app, I use it daily! Time management is my Achilles heel, so being able to visually see the time winding down has been really nice. Great Time Management Tool for Adults too! ** Sync with Mac requires Be Focused Pro for macOS, sold separately. * Integration with Focus Matrix requires the Pro version of Focus Matrix, sold separately. Syncs between iPad, iPhone, Apple Watch and Mac** Integration with Focus Matrix to manage tasks using Eisenhower's urgent/important principle* One universal app for iPhone, iPad and Apple Watch Widgets for Lock Screen and Home Screen Live activities for Lock Screen and Dynamic Island Alarms sound even if the app is in the background Ability to adjust alarm and chronometer volumes Customizable frequency of the chronometer sound ![]() Ability to paste a task list from other apps Staying on task seems is a real challenge for our screen-bound generation. ![]() ![]() Get the Miliko Transparent Hardcover Spiral Notebook if you have been wanting to try bullet journaling. However, some customers said their gel pens ghosted on this notebook’s paper. Not many writing utensils bleed through.Īnother reason customers like this dotted spiral notebook is they can work on one page at a time with ease. They have described the paper as smooth and of good quality. You can also tear sheets out of the spiral notebook if needed.Ĭustomers love that you get two notebooks for the price of one with this set. Because the hardcover is transparent, you can create a unique title page. It has a transparent hardcover to protect the notebook and acid-free ivory white paper. Each notebook has 80 double-sided dotted sheets. The best spiral notebooks for bullet journaling are the Miliko Transparent Hardcover Spiral Notebook, which comes in a two-pack. Miliko Transparent Hardcover B5 Dot Grid Wirebound Spiral Notebook You can use it for taking notes whether you’re self-studying, working, or attending school.Ģ. A lot of customers liked the fun colors as well.Īs a respected brand in student notebooks, the Mead Spiral Notebook is easily considered the best spiral notebook. You can save money by buying them in bulk as a six-pack. Even if you’re not a student, you can use the Mead Spiral Notebook for taking notes at work or organizing your life.Ĭustomers describe the notebooks as high-quality at a great price. The brand has overwhelmingly positive ratings from customers. These notebooks also feature a wired spiral lock to prevent snags. Each notebook is three-hole-punched so that you can fit it inside your binder. Mead Spiral Notebooks are the best spiral notebooks for college students. If you need a quality notebook for school, work, or home, we have analyzed the top options. With a passion for organization, we have become experts on the topic. The best spiral notebooks have durable binding and thick paper. Have you ever had a spiral notebook fall apart or snag on your clothing while you were in school? The quality of the notebook’s binding is important to consider when buying spiral-bound notebooks. Medium Hardcover Spiral Notebook by Studio Oh! 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Show your INVINCIBLE love with this spiral notebook. 6755733373003 INVINCIBLE Spiral Notebook ///cdn/shop/products/spiral-notebook-white-front-630418c21f885.jpg?v=1661212871 ///cdn/shop/products/spiral-notebook-white-front-630418c21f885_large.jpg?v=1661212871 20.00 USD InStock Accessories Accessories All All Items but Grimm Forest, Ezekiel Statue, and Bundles Best Selling Products Buy 2 Get 1 TT plus 25% sale Discount Exlusion - Saga, Monstress, Statues Does Not Contain Games or Pre-orders Earth Day Sale EVERYTHING BUT BLACK FRIDAY BUNDLES Everything but Games Fan Reward Sale Holiday 20% sale Exclusions Invincible Invincible - Accessories Invincible 20th anniversary Invincible Accessories INVINCIBLE Goes Back To School Invincible Universe Invincible Xpo Merch July 4th 2020 Sale with Exclusions Memorial Mega Sale 2020 New Products Newest Products Stocking Stuffers Under $25 Video Games exclusions Xpo III Sale ![]() It is ideal for hobbyists, graphic designers, and animation studios, and its learning curve is relatively easy to overcome compared to other 3D animation software like Blender, Maya, and Cinema 4D. Cartoon Animator 4 is not open-source, but it is one of the best animation software available in the market today. The software is reasonably priced, with a standard version available for purchase and a pipeline version with more advanced features for professional animators. It also has seamless integration with other popular software, such as Photoshop and After Effects.Ĭartoon Animator 4 is available for Windows and macOS platforms, and it has a free trial version that you can use to test its functionality. Additionally, the software supports both vector and raster graphics, making it flexible and versatile. It also has a real-time animation engine that allows you to see your creations come to life instantly. One of the standout features of Cartoon Animator 4 is its 2D bone rigging system, which allows for more natural and fluid animations. 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Adobe Character AnimatorĪdobe Character Animator is a powerful animation software that enables users to bring their characters to life. In this section, we'll take a look at the top 5 premium animation software options available today, from industry-standard tools like Adobe After Effects and Maya to up-and-coming options like Toon Boom Harmony and Moho. While free software like Blender, Pencil2D, and OpenToonz can be great for beginners and those on a tight budget, premium animation tools offer more advanced features, better workflow, and higher-quality results. 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