![]() Press Return or click in the formula editor when you’re done. Select a range of cells across multiple rows and columns: Drag across the range of cells you want to include.Īdd the values of a single column or row: Click the bar at the top of the column or the left of the row-or select all of the cells in the column or row. Select an argument in the function, then enter a value, or select cells to include in the calculation by doing one of the following: When you edit a cell that contains a formula, the Smart Cell View at the bottom of the window shows you the formula result, cell reference values, errors, and warnings. You can get help for the function in the Functions Browser, choose values for the arguments, show the formula as text temporarily, or convert it to text permanently by clicking arrows in the formula editor (as shown below).Ĭonverting the formula to text closes the formula editor and leaves the text version of the formula in the cell. The function appears in the formula editor with all of the required and optional arguments for the function. Type a function name (or terms associated with the function, such as “address”) in the search field at the top of the Functions Browser, or browse the available functions, then double-click the name of the function you want. You can resize it by dragging from any of its outer edges. For help with a function, click it.ĭrag the left side of the formula editor to move it. The formula editor opens, and the Functions Browser appears on the right side of the window, displaying a list of all the functions. ![]() You can also click in the toolbar, then choose New Formula. If the message indicates another cell is causing the error, you can click the cell reference to select the cell with the error.Ĭlick the cell where you want the result of the function to appear, then type the equal sign (=). If there’s an error in your formula, appears in the result cell. If you click, you exit the formula editor without saving your changes. Type an arithmetic operator (for example, +, -, *, or /), then select another cell to use in your formula, or type a value.īy default, Numbers inserts a + between cell references.Ĭontinue adding operators and cell references until your formula is complete, then press Return or click in the formula editor when you’re done. Numbers automatically inserts the formula and chooses a result cell based on your selection.Ĭlick a cell to use in your formula, or type a value (for example, a number such as 0 or 5.20). Tip: To make basic calculations such as a sum, average, or product, you can also select the range of cells you want to include in your formula, click in the toolbar, then choose a formula. Restore an earlier version of a spreadsheet.Save a large spreadsheet as a package file.See the latest activity in a shared spreadsheet.Fill shapes and text boxes with color or an image.Place objects inside a text box or shape.Format Chinese, Japanese, or Korean text.Use a keyboard shortcut to apply a style.Create, rename, or delete paragraph styles. ![]() Bold, italic, underline, and strikethrough.Format a spreadsheet for another language.Select text and place the insertion point.Change the look of chart text and labels.Add a legend, gridlines, and other markings.Add column, bar, line, area, pie, donut, and radar charts.Calculate values using data in table cells.Quickly calculate a sum, average, and more.View the source data for a pivot table value.Change how pivot table data is sorted, grouped, and more.Add calculations to summarize group data.Add checkboxes and other controls to cells.Use VoiceOver to create formulas and autofill cells.Intro to images, charts, and other objects.
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Whatever your objective, touchSMS can offer a simple, sometimes automated, solution to ensure SMS communication is effectively implemented into your marketing or transactional channels. With two decades of experience in mobile technology, touchSMS are leaders in the development and integration of SMS conversational tools. The immediacy and rate of successful delivery makes it more effective for reminders, alerts and notifications than email. 98% of text messages are read by their intended recipient with 3 minutes of delivery. With almost as many handsets in circulation as there are people on earth, SMS is perhaps the most widely accepted form of communication available. To talk to one of our experts, call us on +61 2 9518 5955 or email why SMS is so effective Sign up to touchSMS today to enable your touchSMS for Excel Add-In. TouchSMS Prepaid SMS Platform - 5c per SMS (5c per credit - 1 credit per Australian SMS & 2 credits per NZ SMS. Pin touchSMS to your mailbox for easy access.Campaign Summary calculates cost before sending.Send SMS to contacts directly from Outlook.*Currently available in Australia and New Zealand touchSMS Chat is real-time, meaning any inbound messages received will pop up instantly in your chat thread, so you can keep the conversation going. The SMS Chat feature allows you to efficiently manage conversations as you would from your phone. Adding touchSMS to Outlook also gives you access to the unltimate conversational tool - SMS Chat. Send SMS instantly by manually adding recipient numbers or by searching and selecting from your Outlook contacts. TouchSMS for Outlook sits actively along side your Outlook inboxes, transforming your simple email environment into an all encompassing communications hub. Slimpy click on the touchSMS Add-in on your toolbar to launch the native Outlook SMS sending. Once you see how easy it is though, you’ll be able to add credits and integrate the process into your business with very little effort.TouchSMS for Outlook Add-in will allow you to send SMS (text messages) directly from Outlook, without the need to leave your email environment or transfer data into any other platform/program. You can see how it works and even send some messages without ever spending a penny. If you need more help, just click on our Live Chat and we’ll be happy to walk you through the process. Next take a look at this page in our support centre on how to send the message using your Outlook inbox. If you want to give it a go, create your account by clicking on the green button at the top of the page. You can send messages right from your Outlook 2013 inbox (or Office 365 () or Outlook for mobile devices – you don’t need to be using a Windows based system!) All you need to do is create a fastsms account, and test it out with 10 free credits. That may sound simple, but that’s because it is. ![]() ![]() You just need to follow simple formatting of your messages, and our SMS service will take your email messages and turn them into SMS messages which are then delivered just like any other message sent from a phone. You don’t need any new plugins or third party software to make it work. If you’ve been hanging on to either version of Outlook because of the SMS feature, here’s some good news: You can upgrade and keep sending SMS messages from Outlook. Without support, the older versions eventually become incompatible, unwieldy to use, and have potential security risks. Outlook 2010 mainstream support ended just last month. Outlook 2007 stopped receiving mainstream support in 2012. Their IT department was apparently quite miffed about it.Įventually though, Microsoft stops supporting their old versions. I also found one instance where a company did upgrade, but then rolled that upgrade back across the entire company because they needed to send SMS messages with Outlook. ![]() They refused to update because of that one missing feature. In my research I found that most companies just kept using their existing version of Outlook. Companies could continue using the older versions of Outlook rather than upgrade to 2013, or find another way to send SMS messages. By discontinuing support for sending SMS messages, Microsoft left those companies with few choices. Microsoft Outlook is just one component of the Office suite, but a key one that many relied on to send messages. Around that time too, about 96% of businesses were using Windows based systems, which undoubtedly played a part in deciding on what software to use. In 2010 they stated over 750 million people were using it. Microsoft Office is the dominant productivity suite in the office as well as homes. Think of your cash reserve as the braking distance you leave yourself on the highway - if there’s an accident up ahead, you want to have enough time to slow down, get off to the side or otherwise avoid disaster. The mortgage payments assume a 20% down payment, and they include property taxes and home insurance. The table above is for a $250,000 home in Kansas City, Missouri. That way, if you experience a loss of income and need to find a new job, or if you decide to sell your house, you have plenty of time to do so without missing any payments. ![]() While maintaining a debt-to-income ratio under 36% protects you from minor changes in your finances, a cash reserve protects against major ones.Īt a minimum, it’s a good idea to be able to make three months’ worth of housing payments out of your reserve, but something like six months would be even better. It’s the buffer that shows mortgage lenders you can cover upcoming mortgage payments even if your financial situation changes. Having some money in the bank after you buy is a great way to help ensure that you’re not in danger of default and foreclosure. Lenders generally want to know you will have a cash reserve remaining after you’ve purchased your home and moved in, so you don’t want to empty your savings account on a down payment. How Much Should I Have Saved When Buying a Home? While certain homebuyers can qualify for little or no down payment, through VA loans or other 0% down payment programs, most homeowners who don’t have a large enough down payment will have to pay the extra expense for PMI. You’ll stop paying PMI when your mortgage reaches about 78% of the home’s value. You’ll have to pay your monthly mortgage as well as a monthly insurance payment, so it’s not the best option if your budget is tight. If you don’t have enough money for a down payment, many lenders will require that you have mortgage insurance. This can mean private mortgage insurance (PMI), which is an added monthly charge to secure your loan. When you don’t have a least 20% to put down, you have to find alternate means to secure the mortgage. This amount buys you equity in the home, which helps secure the loan. The rule of thumb still stands: 20% of the home value is the ideal amount of money for a down payment. How Much Down Payment Do I Need?Īnother key number in answering the question of how much home you can afford is your down payment. To find a financial advisor who serves your area, try our free online matching tool. Plus, you may have trouble maintaining your other financial obligations, including building up your emergency fund and saving for retirement.Ī financial advisor can aid you in planning for the purchase of a home. Since lenders tend to charge higher interest rates to borrowers who break the 36% rule, you’ll probably end up spending more on interest if you go for a house that places you beyond that limit. ![]() That’s why your pre-existing debt will affect how much home you qualify for when it comes to securing a mortgage.īut it isn’t only in your lender’s interest to keep this rule in mind when looking for a house - it’s in your's too. If you are spending 40% or more of your pre-tax income on pre-existing obligations, a relatively minor shift in your income or expenses could wreak havoc on your budget.īanks don’t like to lend to borrowers who have a low margin of error. Although it’s possible to find lenders willing to do so (but often at higher interest rates), the thinking behind the rule is instructive. Most banks don’t like to make loans to borrowers with higher than a 43% debt-to-income ratio. You can find yours by dividing your total monthly debt by your monthly pre-tax income. (Side note: Since property tax and insurance payments are required to keep your house in good standing, those are both considered debt payments in this context.) This percentage also known as your debt-to-income ratio, or DTI. In practice that means that for every pre-tax dollar you earn each month, you should dedicate no more than 36 cents to paying off your mortgage, student loans, credit card debt and so on. Since interest rates vary over time, you may see different results. Plug your specific numbers into the calculator above to find your results. ![]() The payment reflects a 30-year fixed-rate mortgage for a home located in Kansas City, Missouri. The mortgage section assumes a 20% down payment on the home value. The table above used $600 as a benchmark for monthly debt payments, based on average $400 car payment and $200 in student loan or credit payments. Maximum Monthly Mortgage Payment (including Property Taxes and Insurance) with the 36% Rule Remaining Income After Average Monthly Debt Payment ![]() ![]() - Open source Feed Reader for Mac OS X with smart folders support. - An RSS reader for Max OS X that supports https, even with self signed certificates, and authenticated feeds. - An excellent RSS reader for Mac OS X, has both free and paid versions.Akregator - Open source KDE RSS Reader, part of KDE-PIM. - Open source GTK2 RSS Reader for Linux. - Open source, Eclipse-based, RSS reader for Linux, Mac and Windows systems that supports https and authenticated feeds.Hover over the RSS icon, right click and copy link address. Since Trac 1.0 an RSS feed can be retrieved from a Trac site that requires authentication. It might be explained by thinking of the RSS feeds as an alternate view of the data currently displayed. For example, if you click the RSS link on a report page, the feed will be based on that report. Usually the syndicated information corresponds to the current view. Where RSS is available in Trac you should find a small orange RSS icon, typically at the bottom of the page:Ĭlicking the icon will access the RSS feed for that specific resource.ĭifferent modules provide different data in their RSS feeds. Stay up to date with changes to a specific file or directory. TracBrowser and TracRevisionLog - Syndication of file changes.Be notified about important and relevant tickets. TracTickets, TracReports, and TracQuery - Allows syndication of report and ticket query results.Monitor overall project progress in your favorite RSS reader. TracTimeline - Use the RSS feed to subscribe to project events.Using the RSS subscription feature in Trac, you can easily monitor progress of the project, a set of issues or even changes to a single file. ![]() RSS pushes out Trac updates whenever they occur and to whoever has subscribed to it. Several of the Trac modules support content syndication using the RSS ( Really Simple Syndication) XML format. ![]() That too is waterproof, which has long been common on various devices out in the market for probably close to a decade.Īnd of course, then there’s the headphones themselves, which come with a bunch of tops:Īnd that’s it. Next to it you’ve got a micro-USB charging port. No different than 3D printed or early hand-made stuff I get from Garmin or any other big name company. Like most prototype devices, it’s simply 3D printed. Ignore that this looks a bit rough (or that I got dirt from my picnic table on it). It’s got a waterproofed headphone jack (because Bluetooth doesn’t travel through water), which is all pretty much the same as most waterproof music players. You’ve got the Waterfi Swimcast pod seen below. But what Waterfi does is cache whatever it is that you’re steaming to it, so even as you go underwater pushing off the wall at the end of each length the audio doesn’t drop.īut first, let’s talk hardware basics. Now you may be wondering how that works when you bring in water. Which doesn’t mean you need Android, it works just fine with iPhones too. That’s because inside this little pod is actually a Google Chromecast Audio device. And by ‘exactly’, I mean, 100% precisely. The small waterproof music player works by enabling your phone to stream content to it, exactly the way Google Chromecast works. Still, Waterfi’s got something unique here with their Swimcast product. For whatever reason, it’s a stagnant market. That was the last time I did a round-up of pool swimming options, and ironically, the landscape has hardly changed since then. In fact, I’ve tried their gizmos in the past – a long time ago. Now Waterfi is hardly a new player to the water based wearable music scene. I personally don’t care whether or not you support the project, but since time is tight, I figured I’d mention that first in case you get distracted at lunch with those fries and don’t find this browser tab till late next week. But, before you get too distracted note that this Kickstarter project is only available for pre-order through Tuesday. That’s because I just got back from the pool using Spotify while swimming laps. Not for lack of trying/desire by Garmin/Fitbit/etc… All of which is somewhat beside the point in some ways, but it’s entirely the point for this post. Of course, the reasons most of these services can’t get Spotify is 100% on Spotify. Sure, Samsung does on a handful of devices, but those devices aren’t terribly awesome at endurance sports. ![]() ![]() Not Garmin (Deezer/iHeartRadio), nor Fitbit (Deezer/Pandora), nor Apple (just Apple), nor Polar (Google Play). Regrettably though, when it comes to sports wearables, none of the majors offer options there. Largely because it works anywhere I am in the world, without funky restrictions. Sure, there are many audio services, but the one I listen to virtually the entire day (and at night with the kids) is Spotify. ![]() The current longest AIT training lasts 84 weeks (1-year and 8 months). You will learn all the basic skills of a Marine rifleman. That varies greatly, depending on your MOS, the needs of the unit you are going to, and how long your school was. ![]() Your Marine may be stationed at any number of permanent duty stations around the world, depending on his or her Military Occupational Specialty (the job that. MOS (military occupational specialty) schooling is what immediately follows MCT. Please do not worry, it is not uncommon for families to not hear from their Marines during training. My experience began when our local Marine recruiter picked me up early in the morning for the ride to the airport for my flight south. "Marines! How do you tell if someone is really in the military? 0151- Administrative Clerk. 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All you have to do is head to an online area of the game to unlock them. We hope you’ll take the next few weeks to check out your favorite community made playlists before they’re gone.Īs for the special unlocks, we’ll be giving three out each day since we can only update up to 3 unlocks at a time (all of these will change around 2PM Pacific Time). Last chance to get special unlocks and play community-made levels ![]() It has been a heck of a run and we’re happy we were able to continue supporting these bonus features and community made content the past five years.īut the time to sunset these services is quickly approaching, so we wanted to make sure we give people enough time to say goodbye to their favorite community-made levels and get the rest of the special unlocks. Backward Compatibility brought in a whole new group of players! When the Xbox One was first announced, we weren’t sure if these services would continue to be supported but we were pleasantly surprised when we were able to continue to rotate in the special unlocks and Furbottom’s Features not only on Xbox 360 but on Xbox One via backward compatibility as well. We manually chose the playlists and unlocks each week and updating them was all possible through working with XBLA!Īn Unexpected Extension with Backwards Compatibility In addition to highlighting community levels weekly, we were also able to rotate in special unlocks each week - sometimes players had to complete Furbottom’s Features to get the prisoner, and other times they simply had to head to an online area of the game for it to pop up. History of Community Content and Weekly UnlocksīattleBlock Theater was first released back in April of 2013 and since its release there have been thousands of user generated levels in the Community Theater! This allowed us to feature our favorite community-made playlists in Furbottom’s Features and Arena Features weekly. Big changes in the XBLA version of BattleBlock TheaterĪfter five awesome years on Xbox 360, it’s nearly time to sunset the special unlock rotations & user generated content (UGC) areas of BattleBlock Theater XBLA. Adult learners appreciate the simple uncluttered format that our worksheets offer. Special education teachers especially like that we break down math skills and provide large-print options. Math-Drills worksheets are also used in special education, adult education, tutoring, colleges, high schools, prisons and a variety of other situations. The Math-Drills website works well on any device and worksheets can be printed or used on a screen. Since it began in 2005, all the math worksheets on Math-Drills have been free-to-use with students learning math. 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This is a Professional leather bartender tool bag-roll, All leather bag, Carry All Bag and is made to order with your specifications. You’ll hear the sound as it will be recorded and you’ll see the L and R bars reacting to sound in the display. On the right side of the Zoom, set Input 1 and 2 to “L” and Mic to “H”.(The foam windscreens have disappeared over the years, so you’ll have to use your charms to convince people you’re not pointing a Taser at them - and be mindful of wind noise if you’re shooting outdoors.) Large 1.Here’s a basic video tutorial on how to operate the Zoom H4 Recorder. ![]() Stamina mode - record up to 11 hours in 16-bit/44.1 kHz PCM format, using batteries only You can overdub one or two tracks at a time MTR mode - record multiple tracks in multiple passes. The perfect way to get a stereo drum recording, a direct bass recording, and a miked guitar amp recording Stereo mode - uses built-in stereo microphones in 90° or 120° configuration so you get the right pickup for your recordingĤCH mode - uses the on-board microphones and the two external inputs. High-quality, digitally controlled microphone preamplifiers provide crisp sound with excellent dynamic rangeĢ4-bit/96kHz PCM Linear recording for high-quality recordings ![]() USB 2.0 port for high-speed file transfer and use as an audio interface XLR/jack combo inputs let you connect XLR microphones Low-cut filter reduces handling noise and wind noise Mid-side matrix decoder for additional microphone possibilities The H4n is the only portable recorder that allows you to record on 4 channels using external microphones and its built-in microphones simultaneously.Ĭombine external inputs and built-in microphones for true 4-track recording With its Hi-Z inputs, you can record guitars or other line sources, such as mixing consoles. The H4n is the only portable recorder to feature XLR/Phone connectors with phantom power. For situations where maximized continuous recording operation is required, you can select Stamina mode, which doubles battery life and allows you to record continuously for approximately 11 hours in 16-bit/44.1 kHz linear PCM format. A series of compressors and limiters help optimize dynamic range while avoiding distortion. With its low-cut filter, the H4n effectively reduces unwanted background noise such as wind or air conditioning. Of course, an automatic level adjustment function is also available to quickly optimize the level if the situation calls for it. This new preamp lets you make recording level adjustments on the fly. The new high quality, digitally controlled preamplifier provides precise audio, the effect will be that of a first class studio recording. ![]() The Zoom H4n uses compact SD or high-capacity SDHC memory cards up to 32GB. Or, when you want maximum recording time with smaller file sizes, choose from a multitude of MP3 formats to produce smaller files suitable for the web or email. Up to 24-bit/96-kHz linear PCM WAV files for higher audio resolution than CD. You can choose a 90° (standard) or 120° (wide) recording pattern for richer recordings. ![]() First-class digital recordings thanks to X/Y condenser microphones on the same axis so they are equidistant from the sound source. The Zoom H4n is now available in new SP (Simple Packaging) packaging with just the recorder, but with the same features as always. |
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