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Instead of spending all your time thinking about things you can’t influence, learn new skills that allow you to change the local or global environment. MMM teaches his readers to focus on increasing their circle of control instead. This wastes a lot of energy and doesn’t accomplish anything. Most people worry about a lot of things that are within their control and even more things that aren’t.įor example, they closely follow politics and complain about celebrities whom they have no influence over. Money Mustache for inspiring me to write this post.“ How big is your circle of control?” was another excellent article that changed the way I viewed the world. Never works the other way around!įinally, Thanks to Mr. It could be a part-time job, digital marketing, Youtube channel, etc.įocus on learning, and earning follows. It is a journey that matters, not only the destination.Ĭ) Having a second source of income puts you on the fast lane to achieving early retirement. Make the process of financial independence enjoyable. When you get that kind of return, the number of years to work would decrease highly.ī) The sole purpose of financial independence is to live the life to fullest. On average S&P 500 churns out an 8 percent rate of return (adjusted for inflation). Final ThoughtsĪ) 5 percent Rate of return is pretty conservative. It would take just 3 years to achieve financial independence when you save 90 percent of your take home.īut living on $5000 an entire year is highly impossible!ĩ0 percent savings rate is just to illustrate how shockingly simple math works. The core principle of shockingly simple math hold.Ī household with an income of $ 50,000 and annual spending of $5,000 needs to target a portfolio value of $ 1,25,000 for early retirement. Does the Shockingly simple math principle hold: Put in the work and follow the process, money won’t be a constraint. You can start freelancing, start a youtube channel to monetize If you are into writing start to write on medium, and turn your hobbies into a profitable ones. Your income is determined by how valuable your skills are. unlike cutting the spending, there is no ceiling or upper limit to increase the income. The alternative way to increase your savings rate is increasing your income. No matter how frugal we are, you can’t live on $2000 in a year. You can’t keep chopping off your spending & live miserably for the sake of financial independence. Reducing your spending on bills has a “ ceiling”. Guy B spends $ 40,000 per year, his portfolio value should be (25 * $40K) $ 1 million in value. Guy A spends $ 50,000 per year, his portfolio should be (25 * $50k) $ 1.25 million in value. This will equip you with a new skill “reducing your spending”, it will also decrease the size of your overall portfolio to achieve 25X. You can reduce the years to retire by decreasing your spending. Two ways to increase savings Reduce your spending Your take-home pay is divided into 2 categories: Also, your savings should be invested in instruments where it works towards your financial independence. How many years does it take you to achieve 25X of your annual spending? It entirely depends on the savings rate (i.e Investing) from your take-home pay. If your networth is below zero (Debt trap), get your finances straight and come out of the debt pit. If you started investing a few years back regularly, then you are closer to your financial independence compared to the years you are about to see. Your networth is zeroĪll the calculations are made on the assumption of “Zero Networth”. (Annual spending * 25)= Retirement portfolioĪlso if you are withdrawing 4 % from $1.25 million ( $1.25 * 0.04= $50K), you can take out your annual spending amount of $50K without depleting your portfolio during your retirement years. (Make sure you are covered by health insurance, I am sure you don’t want to be generous in paying hospitals bills by staking your health:)įor example, If your annual spending is $ 50,000 per year, by saving 25X of annual spending you can achieve early retirement. As you get old, you spend less compared to your young self. Your annual spending and the size of your portfolio go hand in hand.Īssuming you have no source of other income and solely relied on your retirement portfolio.īut your spending has to remain constant in your retirement years. So automatically the years to retire correlated with the savings rate you see in this post also remain pretty conservative.īut, it gives you an insight into where you are standing on the journey of your early retirement, and also it shows you whether you need to amp up your savings rate or stay at the same pace. Even if you are going to invest in a low-cost index fund the average rate of return is 8 percent or a bit more ( adjusted for inflation) on the S&P 500 since 1900. The 5% return assumption made by MMM (Mr. 5 percent return adjusted for inflation. It can be a potential to the melody, which is basically putting few frequencies together, which then turns into materialistic things like money and fame. It’s like fragrance that comes out of a perfume there’s that one particular feeling that comes out of good music, which I think is its soul. It’s that feeling you get when you create a piece of melody or a small line. Whatever the form of music be, if there’s no soul in your music, it won’t make much sense. It can be communicating happiness, sadness, inspiration, or just a way of uplifting moods. The essence of music is its soul, because music is also a form of communication. The forms and trends keep evolving over the years, but the essence remains the same. If I create a melody of all the physics formulae I’ve ever learnt, and put them together, it’ll be a masterpiece! (chuckles) Same Soul, Evolving MusicĪs they say, “ Change is the only constant”. Music can be used as a tool to teach many things. But trying making a song with the mention of all festivals and their uniqueness, and see how quickly the kid memorizes it. For example, if you want your kid to memorize all the festivals in India by giving them a list, they’re sure to forget many. What I have realized is that music is not just about entertainment, and can be used to propagate many other things very effectively. Introducing to you all- Shankar Mahadevan. When Team KYS interviewed this Bollywood sensation, we couldn’t help but feel at great ease, with his down-to-earth, friendly, and happy-go-lucky nature. Apart from this, he’s recently started an academy to teach music to students through online classes, across the world. He’s known to be an amazing performer on stage and has won one-too-many awards for his soulful music. Known for his Breathless song, this music composer and playback singer has made himself a popular Bollywood name in every Indian household. The vast range of experiences on offer via Dream Surfing means that no two sessions playing it are ever the same, offering fresh ways to have fun every time you start it up and see what community creations have popped up while you’ve been away. An incredible creative suite made up of tools that allow for and encourage ultimate expression, all inside of your PS4. Dreamsĭreams is unlike anything else: an ambitious project that has been expertly brought to life by Media Molecule, and an audacious experiment in game design that gives you endless ways to enjoy your time with it. Release Date: Novem| Developer: Resonair, Monstars Inc., Stage Games | IGN's Tetris Effect Video Review 20. There’s something almost spiritual to the experience, which doesn’t do anything to majorly twist the Tetris formula, but enhances it in a memorably powerful way. Its Journey mode includes a couple dozen stages of memorable music, which melds to the blocks you move and place, with backgrounds that, quite literally, take you on a journey from the ocean depths to jungle and desert terrain to the reaches of space. Tetris Effect, even without its PSVR component, is a transcendent experience, making a stalwart of the video gaming medium fresh. How do you make Tetris, one of the best-selling and arguably perfect games, even better? You add in dazzling light shows, music that reacts to your moves, and one of the most blissfully zen gaming experiences of the generation. Release Date: Janu| Developer: Ryu Ga Gotoku Studio | IGN's Yakuza 0 Video Review | IGN’s Yakuza 0 Wiki SEGA and RGG Studio will first release the previously Japan-exclusive Yakuza samurai spin-off Like a Dragon: Ishin! in February 2023. The series' next mainline game, due out in 2024, is officially called Like a Dragon 8. While its melee combat may lag slightly behind modern genre standards, Yakuza 0 still hits far more than it misses and is a big, bold and bruising tour through the Japanese underworld. Since it’s a prequel, it’s also unburdened by the series’ increasingly intricate backstory and thus supremely approachable for newcomers. Yakuza 0 is the high bar for SEGA's long-running open-world series, packed with an extraordinary amount of things to do and centered around a genuinely compelling crime story. Release Date: Febru| Developer: Respawn Entertainment | IGN's Apex Legends Video Review | IGN’s Apex Legends Wiki 22. With constant updates and new limited-time game modes being switched in and out, Apex Legends is a high-octane game that constantly leaves you wanting to go for "just one more match."Ĭheck out our breakdown of everything you need to know about Apex Season 15, including details on the new Legend (Catalyst) and map (Broken Moon). Similar to how Overwatch operates, the roster of different heroes allows players to constantly change their playstyles in order to secure the win. In addition to its faster pace, Apex incorporates the use of specific "Legends" who all have different skills and abilities that create the need for teams to work together and synergize between the different characters. Set in the universe of Respawn's Titanfall series, Apex utilizes similar gameplay mechanics which give it a unique edge over other battle royale games. Apex LegendsĪmid the rise of the battle royale genre, Apex Legends manages to stand out, even as a later addition to the fray. Release Date: Janu| Developer: Capcom | IGN's Monster Hunter World Video Review | IGN’s Monster Hunter World Wiki 23. Series fans may be interested in Wild Hearts, Koei Tecmo and EA's upcoming answer to Capcom's monster-hunting franchise. Monster Hunter World made our list of the 10 best co-op games. For a series that can take some learning to get the hang of, Monster Hunter World produced a fully realized, expansive world. The long-running Monster Hunter series broke through with the 2018 hit Monster Hunter World, which not only impressed us with its rewarding gameplay but also with how accessible the game proved to be. Release Date: Ma| Developer: PlatinumGames | IGN's Nier: Automata Video Review | IGN's Nier: Automata Wiki 24. There are few games that attempt what Nier: Automata does, and it’s absolutely worth checking out this Yoko Taro-directed adventure. Taking place in a futuristic dystopia, this “action-RPG” offers a roller coaster of different gameplay opportunities, wrapped up in a fascinating story that has many multiple endings that encourage poking into every corner of this engrossing world. There are few games like Automata, which bounces between game genres and styles with aplomb. Nier: Automata delivers a ridiculously entertaining journey full of awesome ideas that is equal parts strange and beautiful. Then, in 2000, he jumped over to the architecture side and has been there ever since.īack in 2007, he was asked by Graphisoft to update ArchiCAD for AutoCAD Users to match the current version of ArchiCAD. He spent the first 12 years of his career producing electrical, HVAC, and plumbing drawings. Those other CAD programs are stuck in 20th century technology." Fast forward to today, and he says to you, "There is no project too small for the use of BIM (ArchiCAD). Scott was convinced at that time that BIM was a much better way to draw, document, and manage drawing sets. In 2003, he started using his first BIM program. He worked with several different CAD programs and became a CAD manager in 1994. He loves creating, drawing, and managing construction documents. Soon afterwards, he became a CAD operator. His first role was as a manual draftsman, where he drew with ink on Mylar. MacKenzie started working in the AEC (architecture, engineering, and construction) industry way back in 1988. Press the Esc key or click on a blank space in your drawing window to deselect the walls. Drag (move) the walls to the center of your drawing window.Į. The long way is from the menu bar by navigating to Edit | Move | Drag.ĭ. The quickest way to activate the Drag command is by pressing Ctrl + D. Click outside one of the corners of the walls, and then click on the opposite side. Click on the Arrow tool at the top of the Toolbox.ī. Move your four walls to the center of the drawing view and perform the following steps:Ī. You should now have four walls that measure 24'-0" x 28"-0, outside edge to outside edge. Move your cursor down, so that it snaps to the guideline, enter the number 28, and press the Enter key.ĭraw your third wall by clicking on the bottom left endpoint of your second wall, move your cursor to the right, snapped over the guide line, type in the number 24 and press Enter.ĭraw your fourth wall by clicking on the bottom right end point of your third wall and the starting point of your first wall. Contact us today and get up to date, detailed quotes.Select this again and make your first click on the upper left end corner of your first wall. If you seek to get detailed info about the TCO, get in touch with ITQlick experts. The science of TCO (total cost of ownership) may not be easy to calculate. continue reading - Architecture and CAD category pricing guide. In addition, construction software vendors adjust their prices to fit different busine. For example, ConstructionOnline is priced at $2,400 per year and Contactors Office cost price is around $700 per year. Meanwhile, some construction software are priced per year, while others have perpetual licenses that can be bought with a one-time fee. For instance, FINALCAD pricing starts from $55 per user monthly, EZOfficeInventory pricing from $35 per user monthly, and Adoddle costs about $25 per user monthly. The price points for construction software can be divided into three tiers, and the price ranges for each respective tier are $0 to $20, $20 to $100, and $100 above. Most construction software in the market are priced on a per-user, per-month basis, although the terms are flexible, depending on the need of an organization. In order to calculate the cost you can use the following estimates: Here are some questions to answer: How many groups (different departments, usages, type of users) are needed for ArchiCAD 16 training? See all buildings present/absent/unavailable right from the city listĪbility to switch main/production sub-tab, etc. Real-time display of improvements in City List ★=advanced functionality to select cities with X and not Y, etc.Ĭhange production in multiple cities at once Do not assume your OS will have same issues. Crash-and-exit-without-save incidents = ✗+ crash without save-and-exit. Paste in-game reference links outside the game (tiles, units, cities, etc.)Įxtended/improved graphics included for most popular tilesetĪmplio2 graphics upgraded with new release by professional artistsįrequency of crash/glitch situations in a loose MBTF / severity of known specific triggers. ★=one-click and additional features ✓=link provided Native: not all translations are 100% complete / Web: on independent domains only, only Chinese translationsįocus links to cities, units, and tiles on the map in chat/messages. Translation to languages other than English Number of clicks/presses needed for interaction. 3.0 pre-stable/release versions available for some.įixes (un)reachability bugs/exploits/inadequaciesįixed Airlift capacity flaw, compatibilityĪirlift capacity can take values between 1 and ∞Ĭan implement combat_rounds and properly report results and update display Stable Version / Features / Compatibilityīinaries of GTK, SDL QT clients not available for all versions. List of Freeciv Client Features, Compatibility, Functionality Feature Present but inferior minimal implementation, many features missing difficult to see or use well. Implemented: Some features missing may require many clicks, presses, or menu operations. Superior, fully implemented feature one click or keypress superior visual display. This can help users choose their preferred clients, and hopefully motivate client developers to integrate missing features from other clients. This chart helps show user-interface feature comparisons between Freeciv clients. Discussion should happen on the talk page. THIS PAGE IS INCOMPLETE, UNDER CONSTRUCTION, AND NOT CONSIDERED ACCURATE UNTIL THIS HEADER MESSAGE HAS BEEN REMOVED. |
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