![]() ![]() “With the right education and sense of humor, the so-called limitations of sexuality in your golden years can actually be reframed as benefits,” Joan argues from her sunny home in Sebastopol, California. A prolific public speaker and the author of three critically acclaimed books, a bevy of free webinars and a popular blog on the subject, Joan traverses the globe, spreading the good word that for people over 50, sex can be not only just as good as it was during a person’s fertile, more flexible years, but better. They can also share tips to help stop the spread of infection.At 74, Joan is the nation’s leading and most outspoken expert on senior sex. In some cases, they can even cure your infection altogether. ![]() They can prescribe treatments to relieve your symptoms. If you suspect you have an STI, talk to your doctor. If you’re sexually active, practice safe sex by using condoms and learning to recognize signs of STIs. Those symptoms include tiredness, confusion, loss of appetite, and swollen glands. For example, some symptoms of HIV can mimic those of other illnesses that commonly affect older adults. It may also be harder to recognize the symptoms of some STIS among older adults. Many doctors are reluctant to talk about sex with older people. Older adults are also at risk of other sexually transmitted infections (STIs), including genital herpes, genital warts, chlamydia, gonorrhea, and syphilis. In 2013, people aged 50 and over constituted more than 27 percent of new AIDS diagnoses. People age 55 years or older account for one-quarter of all Americans living with HIV, reports the Centers for Disease Control and Prevention. Using humor may help take the pressure off. But try to remember, communication is key to a satisfying sex life. You may feel shy, embarrassed, or worried about hurting their feelings. Like many people, you may feel reluctant to give your partner sexual feedback or directions. People sometimes assume their partners know what they like in the bedroom. Improve your communicationĪs your body and feelings change with age, it’s important to communicate your thoughts, fears, and desires to your partner. Many people get enormous gratification from sharing sexual fantasies, reading erotica, petting, caressing, and kissing. Take your time, relax, and enjoy the experience of sensual touching. Outercourse is the term used to describe a wide variety of erotic experiences that don’t include penetrative sex. Take the pressure off by expanding your idea of sex to include more than penetration and orgasm. Even if you’re ill or have physical disabilities, you can engage in intimate acts and benefit from physical closeness. Those are activities that anyone can benefit from. Explore outercourseĪ good sex life involves more than just intercourse. Masturbating is a normal part of a healthy sex life. To help you stay “sexually fit,” it may help to masturbate or give yourself pleasure. Women who have frequent genital and clitoral stimulation have better self-lubrication. Men who have frequent penile stimulation have an easier time getting and maintaining erections. The following strategies may help you enjoy a satisfying sex life as you get older. How can you maintain a satisfying sex life? ![]()
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![]() ![]() ![]() ![]() “The Uranium Suite” JR: Our White Whale of Ride the Cyclone is perhaps only tied with Ocean’s number for “song with the most rejected versions.” For a musical which is mostly a character-driven ensemble piece, there is a ton of exposition and plot going on in the opening number: we’re establishing the children’s feelings of confinement and stagnation towards their small town, establishing the characters themselves, as well as laying out the tragic way in which they all passed. Adding the direct address with the listener hopefully translates the vibe and sense of humor of the show. “Welcome” JR: In the spirit of the show, it would be strange to have our self-aware narrator, Karnak, not be aware that he was making an album. We also thought it would be cool as a bookend to the album experience, with the final track on the album proper being the Canadian show’s original ending, “Karnak's Theme.”Ģ. The hardcore fans might notice that this theme gets revisited in many different styles throughout the actual show, mostly in the bumpers that underscore each character’s introduction. We hoped it would feel like a grand but crooked clarion call, a “get your popcorn and take your seats”–beginning to this album experience. The organ theme is how we used to open the show back in Canada, and we liked its weirdness-the visceral magic created by a $50 thrift store pump organ. And maybe the last as well.”īM: This one is a lovely hybrid of two of our recurring musical themes. I assumed she would read a couple of them and say, “This isn’t helpful.” Amazingly, she had plucked this lyric out of the piles of writing and said, “This should be the first lyric of the show. “Karnak’s Dream of Life” JR: “I know this dream of life is never ending” was a lyrical fragment in a long list of fragments, that I had sent to our amazing director Rachel Rockwell when she said, “Send me everything!” Brooke and I took her at her word and did exactly that. The initial seed for writing Ride the Cyclone was our desire to dramatize the undramatize-able.ġ. We have all lost a loved one through some meaningless stroke of bad luck: a fire, a car accident, a freak brain aneurysm, etc. This always struck me as an unfair sentence to those who fell prey to the horrific event. Jacob Richmond: Aristotle said in the Poetics that there was nothing dramatic or interesting about an accident or natural disaster. Sounds dark, but it's pretty much a celebration of life. Basically, it's the old theatre trope of six kids dying on a roller coaster and being brought back to a limbo existence by the fortune-telling machine in an abandoned warehouse, to sing for their lives in a Muppet Show meets Survivor–type scenario. Maxwell and Richmond walk us through the stories behind each song from Ride the Cyclone in this exclusive track-by-track breakdown:īrooke Maxwell: It's never been the most straightforward elevator pitch for Ride the Cyclone. The album features performances from Maxwell and Richmond as well as Lillian Castillo, Chaz Duffy, Scott Redmond, Emily Rohm, Tiffany Tatreau, and Kholby Wardell, with a vocal ensemble comprising Maxwell, Sarah Carlé, Richard Moody, Diane Pancel, Anne Schaefer, Aaron Scoones, and Kholby Wardell. Written by Brooke Maxwell and Jacob Richmond, the musical has played productions in Canada, Off-Broadway, Seattle, Atlanta, Chicago, and Minneapolis, and now it has a world premiere cast recording, released by Ghostlight Records earlier this year. A Zoltar-like mechanical fortune teller invites each to tell their personal story and their dreams for their future that they'll never get to see. Ride the Cyclone centers on the lives of six teenagers from a Canadian chamber choir whose life are cut short following a freak roller coaster accident. ![]() ![]() ![]() ![]() Pick and choose to make your Minecraft character stand out. TLauncher has a catalog full of armor, clothes, skins, and more. Catalog for Your Minecraft Wardrobe: It's like having your own fashion store in Minecraft.So, you're never left wondering, "What does this button do?" It not only gives you cool things but also shows you what they are with words and pictures. Tell Me More – Descriptions and Pictures: TLauncher is like a helpful friend who explains everything.No more wandering around lost in Minecraft. There’s a search bar where you type what you want, and TLauncher brings it to you. Simple Modification Search: Finding things in TLauncher is as easy as finding your favorite toy.Think of it like having a closet full of clothes – TLauncher gives you a closet full of Minecraft stuff to play with. It comes with a ton of maps, mods, and resources. Loads of Maps, Mods, and Goodies: TLauncher isn’t just Minecraft it’s a Minecraft carnival.It's like having different doors to enter the Minecraft world – you choose the one you like. Switch Versions Easily: TLauncher lets you hop between different versions of Minecraft.Let's take a closer look at the cool stuff it brings to your Minecraft world: TLauncher is like a treasure chest of features that make Minecraft more exciting. It also comes with a range of customization options for an enhanced gaming experience. It’s not only user-friendly, but also lets players create their own armor, maps, skins, and mods. One of the best parts about downloading TLauncher is that it opens up various avenues for users who like playing Minecraft. As mentioned before, the launcher is a cracked version that lets you play offline, as well as in multiplayer mode in a local network. However, if you’ve already bought the official video game, you won’t be able to play it along with TLauncher. ![]() While TLauncher doesn’t have the Mojang license, it still is one of the most popular Minecraft launchers available in the market. In case you don’t have an account, you can sign up using your email address and create a password. It’s also quite lightweight and lets users log in to the platform using their official Minecraft account. In addition to this, the application lets users design maps, battles, skins, mods, and characters, among other options. It’s very popular because it lets users play any version of the creative sandbox game. TLauncher is a cracked version of the official video game Minecraft. ![]() ![]() ![]() That's the key! Do not fully melt the chocolate chips. No matter how long it takes, heat only until the chocolate chips are about three-fourths of the way melted. However, microwaves have different levels of power, so you may need to add more time. I find this time and power works perfectly when I make fudge. If your microwave doesn't allow you to choose the power percentage, try the defrost setting. Place your ingredients in a large, microwave-safe bowl, and first heat the mixture for 90 seconds at 70 percent power. So what is the best way to melt chocolate in the microwave? Melting chocolate can be tricky because if you overheat the chocolate or scorch it, your fudge won't work. The microwave is the easiest and fastest way to melt chocolate. The key to most of the easy fudge recipes on this blog is mixing chocolate with a shortcut ingredient (such as sweetened condensed milk) and melting the combination. How do I melt chocolate in the microwave? Gently stir in any mix-ins, if you're using them.Target="_blank" rel="nofollow noopener noreferrer" Yes, I really use a whole tablespoon of vanilla.Stir in a tablespoon of vanilla extract and a pinch of salt.Target="_blank" rel="nofollow noopener noreferrer" target="_blank" rel="nofollow noopener noreferrer" target="_blank" rel="nofollow noopener noreferrer" If using pure white chocolate (with cocoa butter listed in the ingredients), use 19 ounces. If you’re using white confectionery coating chips (no cocoa butter listed in the ingredients, use 16 ounces. Please note, the recipe here uses Nestle-brand white “morsels,” which is actually confectionery coating.So if you're using the latter, you may want to reduce the number of chocolate chips to 2 ½ cups. I find that Nestle white chocolate chips melt a bit thinner than the Ghiradelli brand.For best results, melt the chips with heat only until they are about three-quarters of the way melted, then rely on residual heat to fully melt the chocolate chips, rather than adding additional heat.Alternatively, melt the chocolate and milk in the top of a double boiler or in a bowl on top of a saucepan of simmering water.If necessary, microwave for additional 15-second intervals. Use the residual heat to stir the mixture well until the chocolate is fully melted and smooth. Microwave for 90 seconds at 70 percent power. In a large, microwave-safe bowl place 2 ⅔ cups of chocolate chips and a 14-ounce can of sweetened condensed milk.Target="_blank" rel="nofollow noopener noreferrer" target="_blank" rel="nofollow noopener noreferrer" target="_blank" rel="nofollow noopener noreferrer" This way, you can easily lift the fudge from the pan for cutting. My preferred method for greasing the pan is to line the baking pan with parchment or non-stick foil, lightly spray it with non-stick cooking spray, and remove the excess with a paper towel.For even thicker fudge, try an 8-inch square pan.Grease a 9-inch square baking pan with cooking spray or shortening, or line with greased parchment paper or non-stick foil.Watch this short video on how to make vanilla fudge You might also love this creamsicle fudge, which combines the flavors of orange and vanilla.Įverything you need to know about how to make fudge can be found on this FAQ page. The other vanilla fudge is a frosting fudge recipe. This vanilla fudge recipe is a sweetened condensed milk fudge. If you want an even easier vanilla fudge (although that's hardly possible), check out this two-ingredient vanilla fudge. I would love to try this recipe with homemade vanilla extract. Mix in nuts, dried fruits, small candies. Feel free to mix in any of your favorite ingredients, for this is a perfect fudge base to personalize to your own tastes or use as a homemade food gift idea. It's a cinch to make, it only takes a few ingredients, and it's so delicious and full of vanilla flavor. I'm in love with this vanilla fudge recipe. ![]() No need to fiddle with candy thermometers when sweetened condensed milk and chocolate chips do all your work for you! This is the best recipe for easy vanilla fudge. ![]() ![]() Also, include as much information about your computer as possible, including the specs of your hardware, and/or the full make and model of your computer. If you have not already, be sure to include as much information about your issue that you can, including any error messages, error codes, what steps it takes to create the issue, and what you have done to troubleshoot. You may want to also post this on /r/TechSupport for more exposure. This is not a generic tech support subreddit, so your post may be removed if your issue is not related to Windows, even if your computer has Windows installed. You have selected the Help post flair, which is to request assistance with the Windows 10 OS and its related systems. Hide Flairs Show Flairs Hide Help Posts.Need help with a post? Have a question about a removal? Let us know! Read the full rules for more information.Not Monday yet? Read this list to find more appropriate subreddits for your post. Memes and tech support posts are only allowed on Mondays (UTC timezone) and they will be removed any other day of the week. Only post memes and tech support posts on Mondays ![]() Although we encourage healthy discussions, rants and low-effort posts that do not contribute positively to the subreddit are not allowed.ġ0. All posts and answers that can easily be found by searching this subreddit or by using a search engine will be removed at the moderators' discretion. Do not submit reposts, low-effort posts or rants The relevancy of submissions' titles will be judged at the moderator's discretion.ĩ. Irrelevant, sensationalized, or vague titles that have the pure intent of misleading or dramatizing a topic are not allowed. Encouraging or hinting at the use of sellers of grey market keys is not allowed. Do not promote pirated content or grey market keysĭo not post pirated content or promote it in any way. This is not a marketplace subreddit, selling anything is prohibited.ħ. Include as much relevant information as you can in both the modmail and the post. If you want to promote an app or website, you must send us a modmail to request permission. Do not advertise a 3 rd party software without permission Do not engage in blatant trolling or flaming.Ħ. Posts or comments containing or seeking any identifying personal information are also prohibited. Personal attacks, bigotry, fighting words, inappropriate behavior and comments that insult or demean a specific user or group of users are not allowed. ![]() Post the full desktop link for articles and news. Do not post Blogspam links or URL shortenersīlogspam, URL shorteners, mobile links, and referral and affiliate links are not allowed. This also includes "grey market" and other activation keys from unauthorized resellers.Ĥ. Advising the use of pirated software (including piracy, activation tools, and bypasses to enable paid features) is prohibited. Not sure what flair to use? Read this list to help you decide.ĭo not purposely distribute viruses or other harmful programs or apps. If we select another flair, don't put the original one back. We are not extremely strict with what flair you pick, but if it's very wrong we will change it. Derailing conversations and threads is not allowed. Just because something is compatible with Windows, doesn't mean this is the subreddit for it. Posts completely unrelated to Windows 10 will be removed. Keep the discussion related to Windows 10 ![]() ![]() The best part is that the use of interventional radiology isn’t limited only to certain treatments - anything from cancerous growths to arthritis can be treated using this type of procedure because they all involve vascular access points. This innovative procedure completely eliminates the need for hysterectomy surgery. This reduces risks associated with large incisions for patients, making it much less disruptive and time-consuming when trying to address medical concerns.įor example, uterine fibroids (which may affect up to 80% of women) can now be treated with embolization therapy, which involves shrinking them by cutting off their blood supply. Interventional radiologists can then treat disease, damaged vessels, or tumors directly at the source rather than having to perform major surgery. “It may sound futuristic, but that’s exactly how some of the most innovative and effective treatments in medicine are happening today.” - Society of Interventional Radiology ( SIR) Using this method ensures that our doctors have an incredibly precise understanding of where they want these tools to go (and how best to get there) before beginning treatment. Then, they map out how to get there without needing surgery - usually by guiding tiny wires or tubes (like catheters) through different parts of the vascular network. Q: “How do interventional radiology procedures work?”Ī: In the simplest terms, interventional radiologists use imaging equipment (like X-rays or ultrasound) to see inside of a patient’s body and pinpoint where the problem is located. Every year, these innovations nurture growing success rates over traditional methods.įor this reason, interventional radiology is quickly becoming one of the most sought-after medical specialties in the world. Over the decades, interventional radiology has continually grown and adapted to the changing landscape of healthcare by integrating emerging technologies (such as artificial intelligence) into its practice model. This became especially apparent with the development of angioplasty and the first catheter-delivered stent used to treat blocked arteries in the legs, which now saves patients every day from major surgery or amputation. And it’s because of these advances that interventional radiologists are now often viewed as the founders of modern medicine. In fact, it has been around since the mid-1970s and was created as a result of advances in diagnostic imaging. Q: “Is interventional radiology a new specialty?”Ī: No, interventional radiology is not new. This synergistic approach ensures that your health needs are addressed with the highest level of expertise and consideration. When entrusting your care to an interventional radiologist, you can be assured that they work collaboratively with your primary care physician or other specialists to ensure you receive the most comprehensive care possible. This specialized training is recognized by the American Board of Medical Specialties. Notably, interventional radiologists undergo extensive training and hold board-certified status, having completed fellowship programs that focus on the mastery of minimally invasive interventions aided by imaging guidance. Instead of making large incisions, interventional radiologists, guided by real-time imaging, use small incisions or needle punctures to access the body's internal structures. The distinguishing characteristic of interventional radiology is its emphasis on using imaging guidance to perform procedures without the need for traditional open surgery. These procedures are guided by advanced imaging technologies such as X-rays, fluoroscopy, ultrasound, and CT scans. Q: “What exactly is interventional radiology?”Ī: Interventional radiology (IR) is a specialized medical field that focuses on using minimally invasive procedures to diagnose, treat, and manage a wide range of conditions. This blog post serves as a valuable tool to prepare you for your interventional radiology journey by answering some of the internet’s most frequently asked questions so that you know what to expect. One way we achieve this is by offering complimentary resources to assist you in preparing for your visit. At VIP, we recognize the often overwhelming nature of healthcare and are committed to breaking down the associated stigmas. ![]() ![]() ![]() Discover new Twitch Overlay Templates and Live Stream Alerts to help you elevate your content. Ongoing development and support by Nerd Or Die. The Maker is specifically tailored for your pfp or server logo in Discord. So it may take a while once you hit the download button. The GIF will be generated in the browser, ![]() Otherwise, follow these steps: Create or find a suitable image: Choose an image that represents your server or fits its theme. If you already have a GIF image that you want to use, skip to step 2. If you don't want to use a predefined shape, you can upload your own logoĪnd animate it with effects and movements!Ĭhoose out of many animations to get your PFP moving! These can be used with a Nitro subscription or if your server is boosted enough. Step 1: Prepare your Icon To create an animated server icon, you will need a GIF image. Once your server has enough boosts, you can even use the animated versions. Application Icon, app-icons/applicationid/icon.png. We're trying to upload a 512x512 animated gif for the nitro boosted server icon and it doesn't save and when escaping from the menu just says 'be careful you have unsaved changes'. The images created with this tool can be used as a custom logo for your Discord server. User Avatar Decoration, avatar-decorations/userid/useravatardecoration.png, PNG. 1 Share 122 views 2 months ago Discord Guides & Tutorials Ready to bring your Discord server to life Dive into our tutorial on 'How to Make an Animated Server Icon on Discord - Use. Set the color to your liking, and hit the download button! Or just upload custom images! The recommended download specs for your pfp / logo are 512x512px PNG, but download with smaller or bigger dimensions are also possible.Ĭreate your custom Discord Server Logo or Icon Simply choose out of hundreds of possible shape combinations, The Discord Avatar Maker lets you create a cool, cute or funny avatar, perfect to use as a profile picture in the Discord app. ![]() Want to stay up to date when new features and shapes are added? Have you experienced a bug or have an idea for an awesome feature? ![]() ![]() Goal 1: Make first sales calls to potential clients. Goal 3: Pass state and federal licensing requirements to sell investment products. Goal 2: Review investment products and become familiar with the key benefits. All boxes should be checked as complete in the employee file. Goal 1: To complete all onboarding training. Did the employee manage to use the resources provided to hit their objectives?Ĭompany Mission: To help consumers find the right resources for retirement and invest their money with our firm. Part of the plan is to give said time and then follow-up with an evaluation. Evaluate progressįor a 30-60-90 day plan to work, you need to give it time (as the name suggests). Give the employee the resources needed to succeed with as little oversight as possible. Resources may include listing certain people to speak with or using certain computer-led tutorials. Provide ample resources for the employeeīecause the plan is a guide, you should include any relevant resources that will help the employee accomplish their goals. Remember to keep goals limited to three to five goals for clarity. ![]() Just as you did for the first 30 days, write down key goals for the first 60 days. Create the next 60- and 90-day objectives For each goal, write down a key metric that will be used to measure whether the goal is achieved or not. Limit the goals to three to five to keep things clear. Write down the goals for the first 30 days. By having it on the page for the employee to review, you can help the employee understand their role in the bigger picture. Remember that the plan should align with the company’s mission and goals. The very first thing that you should do when creating a 30-60-90 day plan is to identify and write down the company mission. Here’s how to create a 30-60-90 day play in five easy steps: 1. It simply outlines the main objectives of a new employee and gives them guidance on how to accomplish them. Otherwise, the company may not meet its objectives and goals.Ī 30-60-90 day plan doesn’t need to be complicated. Managers want employees to work on goals that move the company forward. ![]() While the goals should be accomplishable, they should also be challenging.Ī good plan also aligns with the mission of the company. The plan has an ultimate goal set for 90 days and shows steps that are accomplished along the way at the 30- and 60-day marks. ![]() What Makes a Good 30-60-90 Day Plan?Ī good 30-60-90 day plan takes larger goals and breaks them down into smaller, more digestible milestones. Managers may want employees to create their own plans to get the buy-in for the milestones and goals. The 30-60-90 day plan can be written by the employee or by the hiring manager. ![]() The plan helps simplify what the employee should be doing and focusing on. The goal is to maximize employee output in the first days of being hired, days which can be overwhelming and confusing in many cases. Employees work to hit set milestones that are aligned with the mission of the organization. It breaks goals down into 30-, 60- and 90-day increments. A 30-60-90 day plan is a document that is created either by a new employee or a hiring manager and outlines the goals to be accomplished during the first three months of employment. ![]() ![]() Your signature can include text, images, your electronic business card. ![]() Otherwise, they'll see the picture placeholder too. In Outlook, you can create one or more personalized signatures for your email messages. It will show in the recipients messages, provided they allow downloaded content. You may see the picture placeholder in your signature in both the signature editor and when composing messages. If you don't want to make the image clickable, remove and from the code.Īfter copying the image, go into E-mail Signature in OWA's Options and paste the signature in place. In the editing box below the new name, type your signature, then format it with the font, color, and styles to get the appearance you want. Click the New button in the Outlook signature window to make as many signatures as you need (Give each signature a name that will help you discern it’s purpose when you see it later) > Click OK. Select New signature, then give it a distinct name. Choose Signature from the top ribbon > and select Signatures. Right click on the image and choose Copy. Open a new message in your Outlook desktop app. Go to Windows Explorer and find signature.htm. Change the height and width to match the height and width of your image. Replace my URLs with the URLs to your image and website. If you don't have an HTML editor, copy the code below and paste it into Notepad. To make you own HTML page, upload the image to a web server then make your signature in an HTML editor. Otherwise, create an HTML page containing the image and view it in a browser, Then right click and copy the image. If you are using a corporate logo that is published on your website, you can right click on it and choose Copy. For example, I use the code below to insert the site's logo into messages I send from OWA but I need to copy the image as it appears in a browser. To insert images stored on a web server, you need view the image code in a browser and copy it. You'll also need to use HTML message format (set in OWA's Options.) ![]() Check in the Options, Email Security section. Note: This method will not work if you have the S/MIME Control installed. You can copy and paste to insert images into email too. You can also manually place your signature within a single mail item (this is particularly helpful if you utilize multiple signatures). Another way to access the Signature feature is via File > Options > Mail section > Signatures in Outlook 2010 and later. You can use the same method for images stored on web servers or HTML: open the image in a browser, select the image, copy, and paste. ![]() This is because Outlook on the web doesn't have the ability to insert images into signatures, but the solution is simple: Open the image in Paint or your favorite image editor, select all and copy then paste into the signature field. A user wanted to add a new logo to his signature in Outlook on the web and couldn’t find a way to upload it. ![]() ![]() ![]() ![]() Input your costs and income, and any difference is calculated automatically so you can avoid shortfalls or make plans for any projected surpluses. You won't need to worry about your calculating skills when you use a budget template-focus your energy on saving and let a template do the rest.With easy-to-use templates, you'll save time and money year-round by creating beautiful custom cards. Prefer to do things yourself This Excel template can help you track your monthly budget by income and expenses. Browse budget templates made for a range of uses, from regular monthly budgets to budgets focused on weddings, college, or saving for a home. Total Real & Personal Property Life Insurance Value Savings Bonds Money owed to me Total Cash Equivalents Personal Property Estimate Equity in Home Other Real Estate Household Furnishings Specific Items of Value Automobiles Other Personal Property 401(k)s and similar plans Total Invested Assets Invested Assets Stocks & Mutual Funds Bonds. By visualizing your expenses and financial goals, you'll be able to see exactly where your money goes. This detailed template offers a summary of your income, expenses, and savings goals (both in aggregate and by month) on one sheet with a detailed monthly. Whether you're managing the office budget of a small business or need to track your personal expenses, using a template makes it easier to stay organized. Monitor all of your home or business expenses accurately and decide what areas of your budget can be better managed. And remember: every dollar counts Manage your budget with our collection of free budget templates available in A4, A5, Letter and Half Letter size to download for use at home and in the office. Simplify your monthly or weekly budgeting by using a free, customizable budget template. Because one of the best ways to save money, meet your savings goals and accumulate personal capital is to manage them well. Reaching your financial goals takes careful planning and saving-using the right tools is the first step to budgeting effectively. 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