![]() Please join our Discord Server for more personal finance discussions. See what fees apply when using your card for international purchases.Welcome to AusFinance - Please read the sidebarĭiscussions relating to Australian Personal Finance, banking, investments, superannuation, insurance, and tax Please have a read of the Sub Rules before posting for the first time. Our buy now pay later account is a simple way to split your everyday purchases into four equal repayments. NAB Now Pay Later has no international transaction fees, plus no late fees, account fees or interest. It does charge an international transaction fee on overseas cash withdrawals, and fees for using international ATMs. The NAB Platinum Visa Debit card doesn’t charge an international transaction fee on purchase transactions processed overseas. There’s just a simple monthly fee and minimum monthly payment based on your credit limit. The NAB StraightUp Card comes with no interest as well as no international transaction fee. To avoid the international transaction fee, look for products that allow you to shop overseas without incurring them. Products with no international transaction fee If you choose to pay in Australian dollars (AUD), be aware that the exchange rate the merchant uses to convert the transaction amount might be different to the exchange rate Visa uses. You can find up-to-date Visa currency conversion rates in the NAB app by selecting More from the menu before logging in and selecting Foreign exchange. While it may seem helpful to see the amount you’re paying in Australian dollars (AUD), you should check the exchange rate to determine which option is better for you. In either case, you’ll be charged your card’s international transaction fee. When buying something overseas, you may be given the option to pay in either local currency or Australian dollars (AUD). withdraw cash from an ATM (a 'cash advance' * ).The NAB International Transaction Fee applies when you use your NAB credit card or NAB Visa Debit card overseas to: However, the transaction is actually being processed by the merchant outside of Australia and the fee will apply. For example, you could be on a '.com.au' website and paying for the purchase in Australian dollars (AUD). It may not always be obvious that your purchase is being processed overseas. Shopping onlineĭo you love online shopping or frequently book holidays or hotels online? If you do, be aware that any transaction processed outside of Australia or in any foreign currency (e.g. Here are some of the most common examples of when the fee applies. The NAB International Transaction Fee applies to all NAB personal credit cards and NAB Visa Debit cards except the NAB Visa One Fee-Free Card, NAB StraightUp Card and purchase transactions on the NAB Platinum Visa Debit Card. ![]() Multi-currency international transaction: where the transaction or cash withdrawal is made in a currency other than AUD.Single-currency international transaction: where the transaction or cash withdrawal is made in Australian dollars (AUD).International transactions are transactions where the merchant, financial institution, or entity processing the transaction is located outside Australia. ![]() It’s important to know that you don’t have to be overseas for the fees to apply. Let’s break it down and simplify it for you. Knowing when you’ll be charged the fee, how much it is and how to avoid it can be confusing. ![]() The international transaction fee applies when you use your NAB Visa Debit cards or NAB credit cards for purchase/cash withdrawal transactions with an overseas merchant which is processed outside Australia or in a foreign currency. What is an international transaction fee?Īn international transaction fee is a charge that applies to any transaction processed outside of Australia, or in a foreign currency.
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![]() MiniTool ShadowMaker Trial Click to Download 100%Clean & Safe Create a bootable USB flash drive with its Media Builder and then boot the non-working PC from the drive. So, get MiniTool ShadowMaker by clicking the following button and then install it on a working PC. Although your PC fails to boot, you can keep your data safe since it offers a bootable edition. With it, file/folder/system/disk/partition backup and recovery can be performed easily.īesides, disk clone and file sync are also supported. To do this work, you can use the professional file backup software – MiniTool ShadowMaker. If yes, Windows will mark bad blocks to not use them again.īad sectors can cause data loss, thus, you should choose a way to protect your data safety. In the CMD window, use the chkdsk /r command to see if there are bad sectors. Next, choose Command Prompt from the recovery options interface. To check your hard drive, boot your computer to Windows Recovery Environment (WinRE) with a repair disc and then click Repair your computer. Of course, you can perform a disk check to see if it has bad sectors so that you can take some data protection measures before sending the computer to repair services. If you are not a professional, we suggest that you should take it to a repair shop to get help. If you cannot hear of that sound, the reasons are various. If your hard drive activity light doesn’t flash and Windows cannot load to the desktop, what should you do? If there is a beeping noise, there is a great possibility that the disk goes wrong. Share this post with your friends on Twitter to let them know.” Click to Tweet Perform Disk Check and Keep Data Safe “All the information about HDD LED is here. Go to the Disk tab and check the processes with disk activity. Just open Control Panel, go to Administrative Tools, and click Resource Monitor. If you cannot see Disk in Task Manager in certain Windows operating systems, you can also check the hard drive activity. ![]() You are allowed to sort them based on the ones that are using the most system resources, for example, CPU, memory, disk, network, etc.įrom the Disk list, you can know the rate at which processes or apps are accessing the disk so that you can know why the HDD LED is on. Step 2: Go to the Processes tab, you can see apps and some background processes. ![]() Step 1: Run Task Manager in Windows 10/8/7. You can monitor the services and programs that are running on your computer via Windows Task Manager. If you want to know what the hard drive is doing, monitoring its activity can be easily realized. How to See What Your Hard Drive Is Doing? If you can access your computer, try restarting it in a proper way (press the Power button and choose Restart) and see if the issue disappears. This means that you can unplug the power cable or remove the battery. Under this circumstance, the only thing you can do is reboot your computer manually. to scan the computer for viruses & malware and remove them or install a firewall application. In this case, you can use an antivirus program, for example, Windows Defender, Avast, Malwarebytes, Norton, etc. The light may be on and off over and over. Usually, there is nothing to worry about.īut sometimes malicious behaviors are under way and you don’t know. This is because the Windows operating system performs specific tasks when the computer is idle. Sometimes you find you don’t use the computer and it is idle, but the hard drive LED still flashes. As stated above, this means your hard drive is working, for example, the disk is read from or written to. When you see the HDD LED keeps flashing, you may wonder about the status of your computer. What Is the Meaning When HDD Light Flashes If the light is flashing or blinking repeatedly, it is the hard drive activity light. ![]() You can easily identify which light on your computer is the HDD LED. For some devices, the light can be red, blue, or green. The HDD LED may have various colors based on the types of your computers. Tip: Usually, some other storage devices including external hard drives, flash drives, network-attached storage, etc. ![]() The have stated that the aim of the game is not to see “how long you can survive for” and that it is more about “taking a trip for a mission, and seeing how long you can survive for.” Although, Neostream Interactive have described this game as being relatively “easy” in comparison to other games that fall under the survival genre. The game explores elements of combat, survival, and open-world exploration. Other platforms will most likely be determined after the timed exclusive period comes to an end.Little Devil Inside is an upcoming 3D action-adventure video game that was developed and published by Neostream Interactive. Despite the game being a PS5 exclusive and still intended to launch on PC around the same time, backers have been vocal about the move stating that they regret backing the game, some confused as to whether the PS4 backing warrants a PS5 copy, and others crying for refunds.Īt current, Little Devil Inside has no set release date, but it will be a PS5 console exclusive with a PC version launching around the same time. The post details that the priority right now is to get Little Devil Inside ready for a PS5/PS4 and PC release. ![]() Neostream continues, "we originally hoped for an all platform, concurrent release but for many reasons which we learned the hard way, this just was not possible." However, it does clarify that this exclusivity does not affect plans to release on PC, and as such the PC version should launch around the same time as the PS5 version. Regarding the platform exclusivity, in a Kickstarter update posted on June 13, the developer addressed the situation due to backers still waiting on PC and console versions of Little Devil Inside. The post explains "Little Devil Inside will be coming to the PlayStation 5 Systems (PS5) as a PlayStation "Timed" Exclusive title which means that the game will be available only on PS5 and no other consoles for a limited time, after which, it will be available on other consoles." We were not producing character designs referenced on any real African and/or Afro-American human tribes." However, these characters have not been revealed publicly elsewhere prior to the event." Neostream explains the design for the characters, that the goal "was to create characters who are protectors/guardians of a particular mystic region in the world of Little Devil Inside. It continues, "no one (not just limited to team members) has ever commented or hinted on the character designs. "Racist stereotypes of any kind were absolutely not intended," the statement reads, "we were not aware of the stereotypical connotations and wish to apologize to anyone who may have been offended by the character design" The criticism led Neostream to issue a statement on Facebook. These features included big lips, dreadlocks, loincloths, and blowdarts. However, the developer had received social media criticism over the character design for the tribal enemies that appeared at one point because they shared similarities to stereotypical features of tribespeople. However, backers of the Kickstarter project -that originally started in 2015- aren't too impressed with this exclusivity, and to add fuel to the fire, the developer came under fire for the design of enemy characters in the trailer using racist stereotypes.ĭuring the PS5 event that took place last week, Little Devil Inside got a lovely, quirky trailer. Since then, things have changed and the game will now be launching exclusively on the PS5 for a limited time. In 2017, Neostream teased some gameplay footage of Little Devil Inside, and at the time the release date was slated for 2018. ![]() It is free and open-source and the best solution out there for anyone just getting started with a window manager for the first time. Rectangle is my preferred tool of choice for managing windows on Mac. But, the approach involved and the functionality offered by each of them is what sets them apart. Most of these apps are very similar in terms of fundamental functionality - how they solve the window management problem. So, to help simplify the process for you, here is a curated list of some of the best window management software for macOS. And therefore, it is likely that you might be on the look for some better window managers for your Mac. To add to that, if you use it to manage your desktop, you would also be familiar with its shortcomings and the limited scope of use. If you are a macOS user and multitask with multiple apps at once, you would be aware of the built-in window manager functionality, Split View, that lets you run two apps simultaneously in a split window setting. How do I manage multiple windows on a Mac?
![]() You will require two heaters if your room is unusually cold or if your set up is huge. While glass heaters are more common, stainless steel and titanium models are sturdier. Submersible heaters are immersed fully into the tank and they are positioned close to the filter’s inlet to heat the incoming water. Only the heating element gets in the water. Hanging heaters are popular in beginner tanks, and they typically sit at the top of the hood. The heater choice will be informed by the size of your set up and your preferences. The need for a heater will also depend on how cool you let your house get.Ī heater will maintain a consistent temperature range and protect the health of your zebra danio. Do Zebra Fish Need a Heater?Ī reliable heater is always recommended for tropical fish, including zebrafish. There are internal and external chillers that will bring the temperature in your aquarium down. You may need chillers for your tank if your house gets too hot for long periods. For a quicker solution, place small plastic bottles filled with frozen water in the tank or filter.Įnsure that the water does not cool down too rapidly to avoid shocking your zebrafish. You can replace the aquarium top with screening and situate a fan to blow the water surface. Besides, it helps distribute the temperature by mixing warm and cold water during this movement. It helps to increase water movement since moving water not only evaporates more, but it absorbs more oxygen. You can use simple ways to beat temperatures over 82 degrees Fahrenheit, especially during summer months. You can tell if your fish is suffocating if they seem agitated and they often come up to the surface for air. Warmer water, however, has less oxygen, and your zebrafish will become stressed. If it gets too hot, the metabolism of the fish will speed up, and they will require more oxygen since they are more active. The maximum water temperature for zebrafish is 82 degrees Fahrenheit (28 degrees Celsius). Their immune systems will also be compromised and they will be susceptible to diseases like Itch and fungal infections. When the water is too cold, your zebrafish will become inactive and their appetite will be reduced. Zebrafish should be kept at a minimum temperature of 64 degrees Fahrenheit (15 degrees Celsius). The same case is true when you keep them in a tank with conditions similar to those found in the wild. This means that they can withstand a wide temperature range in their natural habitat. Zebrafish are categorized as eurythermal. Zebrafish ideal water temperature ranges between 64 – 75 ☏ (17-24 ☌), but zebra danios can easily adapt to a wide range of tank water conditions. Meaning that Zebrafish can survive in different environmental conditions. Alternatively, they can thrive in verged areas consisting of rocky substrates with overhanging branched cover. ![]() Most of their natural habitats consist of sandy or silty bottomed rice paddies with lush green vegetation. However, these fish are found in different habitats, ranging from streams to slow-moving rivers and seasonally flooded ponds/pools to rice pads. Zebrafish are generally surface dwellers and will do just fine in moving waters. During the summer months, these fish can withstand temperatures of up to 82 degrees Fahrenheit, although this drops in winter. In the wild, the zebra danio is adapted to tropical and subtropical temperatures. They can still do well in the tank environment with a water-heater. Zebrafish are hardy and can withstand a wide range of temperatures not to mention different climatic conditions. ![]() You can easily recognize them from their distinctive striped back and white patterns running parallel with each other across the body. ![]() This fish species is also easy to care for in addition to being prolific breeders and excellent egg layers to breed. That is why they are among the most favorite fish for hobbyists, both beginners and experienced. The zebrafish is a perfect addition to a colorful community fish, thanks to their different color variations. Populations of the zebra danio have been recorded in countries like Myanmar, India, Nepal, Bangladesh, and Pakistan. They belong to the Cyprinidae family and have a wide distribution in central Asia. The zebrafish is an excellent beginner fish because of its hardiness. ![]() While DeSantis made efforts to get elder Floridians vaccinated early on, his approach seemed to shift as the Republican party stoked increased skepticism about the science behind the shots. The state's death rate throughout the first year of the pandemic was lower than all but 10 other states, The Times reported, and Florida was ahead of the curve in vaccinating people 65 and older in early 2021. The Times found that the majority of Florida's COVID deaths took place after vaccines were readily available to all adults - not before, as was the case in many Democratic-led states, as well as nationwide.Ī spokesperson for DeSantis did not immediately respond to Insider's request for comment.įlorida was initially one of the early success stories of the pandemic. ![]() Ron DeSantis is building his fledgling 2024 presidential campaign on the supposed merits of his COVID-19 response in Florida, often touting the state's prioritization of protecting personal freedoms over mask mandates and vaccine requirements.īut a New York Times report published Saturday suggests the Florida governor's shifting public attitude toward vaccines throughout the pandemic may correlate with an unnecessary spike in deaths throughout the state during the brutal Delta wave in the summer of 2021. Ron DeSantis was an early proponent of the COVID vaccine, urging the elderly to get the shot.īut as Republican sentiments toward the vaccines shifted, DeSantis began downplaying his support.Ī New York Times report this week suggests a spike in Florida Covid deaths in July 2021 could be related. Ron DeSantis speaks to a crowd at Adventure Outdoors gun store in Smyrna, Georgia. ![]() The address where the records are kept is to be listed. The street address for your Principal Office will be recorded for public record. The fiscal year end of the Corporation in Massachusetts is to be determined.Ī brief description of the type of business the Corporation is to perform will be recorded on the Articles of Organization for a MA Corp. The names and addresses, if different from the Principal Office, of the President, Treasurer, Secretary and Director(s) will be listed. The Massachusetts Registered Agent name and address is required information in order to process the filing at state level. The type, number of shares and par value will be established on the filing. You may list different types of shares of stock with a Massachusetts Corporation. ![]() The exact name of the Massachusetts Corporation is to be listed as Article 1 on the Articles of Organization for a Domestic Corporation in MA. Like many states, the document for a Corporation formation is short and simple. MA Corporations are structured legally with the Massachusetts Articles of Incorporation. A Registered Agent located in Massachusetts. ![]() The Massachusetts Corporation will be able to issue shares of stocks to employees and investors, unlike an LLC in Massachusetts. Massachusetts Corporation or Massachusetts INC, is a business formation registered with the Massachusetts Secretary of State. Massachusetts Corporation What is a Massachusetts Corporation? ![]() Unbox your next pair of summer footwear today! Shoe Perks Shoe Perks members get free shipping on all orders. ![]() Or have them delivered straight to your door. Want your footwear faster? Buy wedge sandals online and pickup in-store for free at a Shoe Carnival store near you. Or, pick up white wedge sandals that will flatter any skin tone. This boho trend comes in every shade of nude, from delicate crème to deep mocha, barely-there blush to rich golden brown. ![]() Check out cork sole wedges for a similar look and even more comfort. If you want more height while still looking breezy, try a flip flop with a 1” or higher platform.Įspadrille wedge sandals are an everlasting classic and new height with chunky platforms and towering wedge heels. These slip-on sandals typically have a low wedge, giving you a hint of extra height without looking over-the-top. Shoe Carnival offers the widest selection of wedge sandals from the most trusted women's footwear brands.įor a little lift and a lot of style, wedge thong sandals can’t be beat. Shop flip-flop wedges for summer vacation or discover the perfect fit for summer nights. Shoe Carnival has a wide variety of strappy wedges, from braided slingbacks to edgy black platforms. Stay on the cutting wedge this summer with cute new women's wedge sandals in all your favorite colors! Update your classic gladiator sandal look by taking home a pair of wedge gladiator sandals today. Shop Wedge Sandals With Straps, Wedge Flip-Flops, & More Alternatively, click Video > Set as Wallpaper from the menu. As it plays, right-click on the player window and choose Video > Set as Wallpaper.Right-click the clip and play it on the VLC media player.A Windows-based software, It provides a graphical timeline interface for editing. Click Save, then exit VLC and browse to the video clip you want to use as a background A separate overlay channel gives you the ability to key images or live.Next, look for the Output setting and select DirectX (DirectDraw) video output in the drop-down menu.Open Tools > Preferences > Videos and set the Show Settings box to All.In older versions, however, you'll need to: Latest Videos 3840x2160 260 Views 0 Votes Games Jin Sakai Oni Mask Ghost Of Tsushima Live Wallpaper 3840x2160 1.2k Views 6 Votes Games Hogwarts Legacy Live Wallpaper 3840x2160 1. Open Source Free and Open Source Software (FOSS. Here are listed 1864 Video Games Hight Quality Live Wallpapers, HD Animated Wallpapers. Setting up VLC Media Player to play videos as a desktop is straightforward. Lively Wallpaper Rain Snow Clouds Synthwave Ultrawide or multiple monitors no problem. ![]() In theory, this method will work on various Windows, macOS, Linux, even ChromeOS, BSD variants, and Solaris.ĭownload: VLC Media Player (Free) How to Create a Desktop Background Video Using VLC Available from, the VLC media player is available for all operating systems. ![]() ![]() On Windows 7, when doing that the displayed wallpaper is only a frame of the animated gif. Set a Video as Your Wallpaper With VLCĪnother way to create a desktop background video is through the most versatile of desktop media players, the VLC media player. 8 Well, on Windows XP and on Windows 98 you can put an animated gif as an wallpaper easily. Bennett's group ( Bennett, Golob, Parker, & Starr, A. The limited serial position data available from MCI patients have been mixed. The diagnosis of MCI can be difficult because memory impairment associated with MCI is often in a transition stage between normal age-related decline and the more serious deficit associated with Alzheimer's disease. In the AD group primacy was impaired but not recency. Gainotti and colleagues ( Gainotti, Marra, Villa, Parlato, & Chiarotti, 1998) used the 15 unrelated words from the Rey Auditory Verbal Learning Test and compared mild to moderately demented Alzheimer patients with controls on the recency and the primacy for totals across 5 learning trials. As expected normal primacy and recency effects were observed for the controls. There was no difference in recall on trial one between the mild and very mild groups. When performance on the first trial of the CVLT for a mild AD group (MMSE 23.5) was compared with controls, the mild and very mild AD patients had a recency effect but no primacy effect ( Bayley, et al., 2000). The controls recalled the primacy and recency regions equally, while the AD group recalled recency > middle > primacy. Foldi and her colleagues ( Foldi, Brickman, Schaefer, & Knutelska, 2003) used the 16-word California Verbal Learning Test (CVLT) and compared recall total across five trials of primacy and middle regions of the list with items in the recency region. The lack of a primacy effect also is a defining feature of word-list learning in patients with Alzheimer disease ( Carlesimo, Fadda, Sabbadini, & Caltagirone, 1996). Patients with anterior temporal lobe resections show significant declines in recall from primary and middle portions of a word list, but not the recency portion, compared with preoperative performance ( Hermann, et al., 1996). Patients with amnesia from a variety of conditions show a recency effect but they poorly retain primacy items ( Carlesimo, Marfia, Loasses, & Caltagirone, 1996). Craik (1970) found that words in the terminal serial position were retrieved best in immediate recall but least well after a delay. However, Glanzer and Cunitz (1966) found the recency effect was removed when a delay of 10 seconds or longer filled with a distracter activity was imposed before recall. ![]() Baddeley and Hitch (1993) review data in which the last few words on a list are preferentially retained after a distracter activity or a prolonged delay, which would argue against a simple short-term memory explanation. Other interpretations of the recency effect have been proposed. The recency effect usually is attributed to information being temporarily stored in short-term memory, which lasts for approximately 20 seconds and has limited capacity. ![]() When using a one-trial learning paradigm, there also is no proactive interference from previous items. The usual interpretation of this robust finding is that the primacy effect occurs because there is more opportunity for rehearsal of items in long-term (episodic) memory. These preferential recalls are called primacy and recency effects. ![]() In cognitively normal individuals words at the beginning and end of the list are more frequently recalled than words in the middle ( Deese & Kaufman, 1957). Serial position effects are observed when a series of items, such as words, that exceeds attention span are learned. |
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