Source: California/Nevada Credit Union Leagues Money market accounts: $3.4 billion, up 242%Ĭertificates of deposit: $1.1 billion, down 18% All told, a record 26,000 new members were added to their rosters.Ĭredit card lending $389 million, down 12%Ĭhecking accounts: $1.4 billion, down 62% With that, membership growth went up 7% - which edged out the 4% of the nine credit unions’ average. “What we saw members doing is taking their money and saving it,” he said, listing the rounds of government stimulus, unemployment bonus benefits and loan deferrals as contributors. “You can yield more liquidity with money market accounts,” Redwood Credit Union Chief Financial Officer Ron Felder told the Business Journal.įelder said his Santa Rosa-based credit union has shown no signs of slowing down with its progressive trends coming out of the pandemic.įor the half year ending June 30, this Sonoma County financial institution reported more than $6 billion in savings account growth - up by 24% compared to 2020. The enthusiasm for these types of accounts offset an 18% drop of $1.1 billion in certificates of deposits. The figures show customers made the choice to improve their returns by placing their funds in money market accounts, which showed a 242% increase with a record $3.4 billion among the area credit unions. “They’ll have half their members unhappy, trying to find a rate of return (on accounts),” he said. Members who seek larger returns may find the rate of savings is tougher. Members could be glad at first but sad later,” Prag said, explaining how low rates are good for loans but bad on savings rates. “This is a delicate situation for a membership organization. As long as the rates remain low, prospective homeowners and existing residents refinancing will see the need to take advantage of the lending bonus, Prag said.Īlbeit good news for borrowers, the low rates may serve as a bane and blessing. Low interest rates contributed to this result. All loans totaled $8.4 billion - a 13% increase. The credit union collective processed $8.4 billion in loans, marking a 13% annual rise from 2020.įirst mortgages led the way with a record $4.3 billion in lending funneled through these credit unions - a 29% lift from last year. The other lingering trend economists and financial executives are watching is loan activity. “The (Federal Reserve) is blowing it off, but it’s going to get worse, and we’ll start to see those cash balances going away because prices are going up,” Prag said. Prag warned the rate of inflation may climb to as high as 6% by next year if remained unchecked. With that kind of government spending, that money could lead to other outcomes that economists are keeping their eye on. Much of that money came in the form of government relief programs designed to keep people afloat during economic restrictions because of the pandemic. “There’s a ton of money in the system waiting to be spent,” Prag said. Jay Prag, a clinical professor of economics and finance at the Drucker School of Management in Claremont near Los Angeles, told the Business Journal that credit union members were likely transferring money dumped into their checking accounts and saving it instead of spending those dollars. This was a record savings of 119% over the same period last year.ĭeposits in checking accounts dropped by 62% in comparison to the previous year. A snapshot view of nine credit unions in Sonoma, Solano, Napa and Marin counties shows double-digit increases in key measures such as deposits into savings accounts and loan activity through the end of March.Īccording to the California and Nevada Credit Union Leagues, which is the Ontario-based association representing the financial institutions, $4.5 billion was dumped in members’ savings accounts at nine credit unions in the greater North Bay area.
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For instance, a 6×4 inch image has an aspect ratio of 3:2, whereas a 1920×1080 pixel video has an aspect ratio of 16:9.Īn aspect ratio does not have units attached-instead, it represents how large the width is in comparison to the height. You’ll recognize it as two numbers separated by a colon in an x:y format. The aspect ratio of an image or video is the proportional relationship of the width to the height. What is an aspect ratio? Let’s start there. Each image also only takes 45 seconds to print out.Don’t know which size to use for your image or video? We’ve listed common aspect ratios to help you create your next project. Despite such relatively big images, the device itself only weighs about 363 grams so it’s still highly portable. Printouts are sized at 2.82 in x 3.50 in, beating its competition quite noticeably. PHOTOBEE PHOTO SIZE PORTABLEThe Photobee Portable Wifi Photo Printer promises the biggest images within the ultraportable photo printer field. Photobee Portable Wifi Photo Printer ($100) PHOTOBEE PHOTO SIZE FULLIf you want a closer look at the Prynt, be sure to check out our full review of it here. It’s a neat twist to the regular format and quite cute if you’re trying to send a loved one something special. Also, each photo has a video saved ‘inside’ it with your friend able to use the printout in conjunction with the app to see the full video. Through its app, you can still apply filters, stickers, and frames, before printing out your creation. Originally a Kickstarter based project, it’s been quite the success story thanks, surely, to its retro design and solid app. You attach the case to your phone, take the photo then hit the print button. Effectively, it turns your iPhone into an instant camera. It’s also easily the most charming looking of the bunch here.įor iPhone owners, the Prynt Pocket is a rather clever solution if you’re looking for a retro vibe. It’s slight enough to easily store in your bag for those times when you want to print a photo fast. The device only weighs just over 6 ounces, and measures a mere 2.9 inches by 4.7 inches. PHOTOBEE PHOTO SIZE ZIPOnce the expert in speedy photo development and printing, Polaroid has kept up with innovations via its Polaroid ZIP Mobile Printer. In most cases the results aren’t the same (in quality or print size) as you’d get from an actual photo shop, but when it comes to ease of use, you can’t beat these. If you’re at your local coffee shop, it’s just as easy to print a beloved image out, as it is if you’re at home. Each of the photo printers here don’t require a separate power supply, and are small and light enough to take with you whether you go. Sometimes, you want it to be nearly as fast as just taking the photo. You don’t want to have to set up and plug in a hefty printer every time you print a snap. So what’s important when looking for ultra portable photo printer? Convenience is the most important element. But what about those times when you want to print one out though? We’ve tracked down some of the best ultra portable photo printers out there so you can snap and print on the go. Thanks to our ever present smartphones it’s easier than ever to snap tons of photos. #Aircall chat jobs manualTurbocharge rep productivity with PowerDialer and Click-to-dial to maximize output, and ditch manual dialing.
If adding as custom papers: tap the Default Paper preview.If adding as custom covers: tap the Default Cover preview in the upper section.The next step will depend on if you are adding a new custom cover, or a new page template:.Tap the first dropdown list to choose the template size for your custom templates.Tap the Gear icon in the top-right corner of the Library view > Notebook Templates.A template will be available whenever you create a new notebook or page. This way, you can personalize your notebooks even more. Goodnotes 5 budget template pdf#Įvery PDF page or image can be added to the GoodNotes template library as a custom cover or paper template. It pairs well with our digital productivity planner.If the existing templates within GoodNotes are not quite what you are looking for, GoodNotes 5 gives you the flexibility to import your own custom templates. This is the perfect budget organizer to add to your productivity arsenal. It's not easy, but taking the first step today to create an effective budget will payoff 10x down the road. You'll master your money and be able to do whatever you want without worrying about overspending. Look no further, everything you need to dominate your finances is included, a personal finance manager planner on your iPad. Get started with your new budget planner today! The PDF markup app will allow you to write on the PDF digital planner like it's pen and paper. You are not limited to GoodNotes, it just has to be a PDF markup app so it can be a Notability finance template as well. Once you have these items, import your planner into GoodNotes or your PDF markup app of choice and begin planning.
That’s why millions of people and businesses trust LastPass to keep their information safe. Your master password is never shared with LastPass. Only you know your master password, and only you can access your vault. Securely share your passwords with friends and family Using LastPass, you can ensure your users are following password best practices through security audits and dashboards. Passwords are autofilled for you as you go to your sites - less typing! LastPass Business empowers employees to generate, secure, and share passwords seamlessly while providing valuable insight and control to Admins and ensuring protection through LastPass’ zero-knowledge security infrastructure. 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Save all your passwords, addresses, credit cards and more in your secure vault and LastPass will automatically fill in your information when you need it. From your LastPass Vault, you can store passwords and logins, create online shopping profiles, generate strong passwords, track personal information in photo and audio notes, and more. LastPass puts you in control of your online life – making it easy to keep your critical information safe and secure so you can access it whenever you want, wherever you are. #Www lastpass com installYou can create an account, then install and log in to LastPass to start saving your Sites, Secure Notes, and Form Fills right away.LastPass, an award-winning password manager, saves your passwords and gives you secure access from every computer and mobile device. Stronger security – Long passwords that you don't have to remember.Time saved – Instantly log in to websites.Convenience – No more forgotten or mistyped passwords.Filling out addresses and credit card formsĪs a password manager, LastPass will help you in your day-to-day work while improving the overall security of your online life.Storing information such as PIN codes and membership IDs.When you need to log in to a website, LastPass enters your username and password for you!Ī password manager does many other things, including: After you save a password to your Vault, LastPass always remembers it for you. Your vault is your central hub of all stored data. LastPass is a secure password manager that stores all of your usernames and passwords in one safe place, called a vault. A physical version of the original Bayonetta will also be released for Switch ahead of that. 28, PlatinumGames and Nintendo confirmed on Wednesday. Bayonetta 3 bayonetta series#It famously included the “very easy automatic” mode for the original Bayonetta, which was sarcastically nicknamed “mommy mode” by series creator Hideki Kamiya.īayonetta 3 is coming to Nintendo Switch on Oct. Similarly, PlatinumGames has made concessions in Bayonetta games in an attempt to broaden the series’ audience, offering simplified control inputs and difficulty adjustments. Nintendo has a recent track record of releasing more modest versions of Japanese games in North America, having modified character visuals and risqué dialogue in games like Tokyo Mirage Sessions #FE, Fire Emblem Awakening, and Xenoblade Chronicles X. we think #Bayonetta3 /SEs3vqrdYc- PlatinumGames Inc. Bayonetta 3 bayonetta mod#This mod is amazing My only problems with it are her hair materials not matching so it looks super. Replaces Bayonetta's Scarborough Fair guns and her Umbra Costume. A custom model import of Fear Effect Inferno's (aka Lito Perezito) fan-made Bayonetta 3 design. We've added the revolutionary "Naive Angel Mode" to Bayonetta 3 so more people can fully enjoy itīy turning it on, you can play right in the living room without having to worry about what's on screen. Play as the fan-made Bayonetta 3 design by Fear Effect Inferno/Lito Perezito. Relax, the witch is back and sexier than ever Naive Angel Mode provides more coverage for Bayonetta up top when enabled. In one scene from the video, a nude Bayonetta whose private bits are obscured only by a magical hair vortex is shown fully clothed when Naive Angel Mode is set to “on.” In another, Bayonetta appears to fuse with the Infernal Demon Madama Butterfly, at which point she wears a very revealing costume. The developer showed how Naive Angel Mode will work in practice in a video posted alongside that tweet. “By turning it on, you can play right in the living room without having to worry about what’s on screen. Popular games releasing in October 2022: Bayonetta 3, Scorn, Gotham Knights and more. “We’ve added the revolutionary ‘Naive Angel Mode’ to Bayonetta 3 so more people can fully enjoy it,” PlatinumGames said on Twitter. That’s the cheeky way of saying you can keep Bayonetta’s clothes on for a more modest gameplay experience. For players who are turned off by the latter, developer PlatinumGames is offering a new option in Bayonetta 3: Naive Angel Mode. Its been a long time coming, but the game will finally launch on October 28, exclusively for the Nintendo Switch. First revealed at The Game Awards in 2017, fans have been waiting patiently for the upcoming third installment. The Bayonetta series is known equally for its white-knuckle character-based action as much as it is for its heroine getting nearly naked every time she summons a hirsute demon to theatrically feast on her foes. Bayonetta 3 is right around the corner and is one of the most anticipated games for the remainder of 2022. LIU SHI-QUAN, WANG LI-MIN, LIU FU-TIAN, et al.Preparation and application of silica microsphere.Journal of Functional Materials, 2004, 35(1): 11-13. PALILLA F C, LEVINE A K, Rinkevics M.Rare earth activated phosphors based on yttrium orthovanadate and related compounds.J. RIWOTZKI K, HAASE M.Wet-chemical synthesis of doped colloidal nanoparticles: YVO4: Ln (Ln= Eu, Sm, Dy).J. Modifying the solar spectrum to enhance silicon solar cell efficiency-an overview of available materials.Sol. STRÜMPEL C, MCCANN M, BEAUCARNE G, et al. Status Solidi (c), 2006, 3(3): 373-379.ĬONIBEER G.Third-generation photovoltaics.Mater. Phys., 2002, 92(3): 1668-1674.ĭIMROTH F.High-efficiency solar cells from III-V compound semiconductors. TRUPKE T, GREEN M A, WURFEL P.Improving solar sell efficiencies by down-conversion of high-energy photons.J. TRUPKE T, GREEN M A, WURFEL P.Improving solar cell efficiencies by up-conversion of sub-band-gap light.J. LE DONNE A, DILDA M, CRIPPA M, et al.Rare earth organic complexes as down-shifters to improve Si-based solar cell efficiency.Opt. RICHARDS B S.Enhancing the performance of silicon solar cells via the application of passive luminescence conversion layers.Sol. RICHARDS B S.Luminescent layers for enhanced silicon solar cell performance: down-conversion.Sol. The prepared YVO 4: Eu 2 core-shell structures have regular morphology and uniform particle sizes, which are suitable to be used as down-conversion light emitting layer in amorphous silicon solar cells.ĭEXTER D L.Possibility of luminescent quantum yields greater than unity.Phys. Thus YVO 4: Eu 2 core-shell configuration can be fabricated from YVO 4: Eu 3+ and SiO 2 microsphere to avoid agglomeration. The cell parameters such as short current density and photoelectric conversion efficiency increased from original 6.694 mA/cm 2 and 9.40% to 8.417 mA/cm 2 and 10.15%, respectively. Furthermore, the prepared YVO 4: Eu 2 core-shell structure films were used as down-conversion materials for amorphous silicon thin film solar cells. With the shell-core ratio setting as 0.6, the luminescence intensity of YVO 4: Eu 2 core-shell structure composite could reach up to more than 90% of pure YVO 4: Eu 3+ nano-powder. In order to improve the particle size distribution and morphology of YVO 4: Eu 3+ nano-powders, mono-dispersed spherical YVO 4: Eu 2 core-shell structure materials were prepared by coating a layer of YVO 4: Eu 3+ onto the surface of SiO 2 microspheres. However, the serious surface defects of YVO 4: Eu 3+ hinder the improvement of luminescent efficiency. Europium ions doped yttrium vanadate (YVO 4: Eu 3+) has excellent emission properties for down-conversion applications.
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