![]() ![]() If you earn $100,000 a year and contribute $19,500 in 2021, your taxable income (assuming no other tax benefits) would be $80,500. Every dime that you contribute – up to the limit – can reduce your current-year tax bill. If you haven't paid attention to your 401(k) before, this is a good time to explore the benefits and determine if it makes sense for you.Ī 401(k) is an employer-sponsored retirement savings plan that provides special tax perks. ► The Daily Money: Get our latest personal finance stories in your inbox How a 401(k) works We'll dive into how a 401(k) works and review the latest rules so you can use your retirement account to its full potential. This means you can catch up on any retirement savings opportunities you may have missed in previous years. You can park more money in your 401(k) for 2022 thanks to the latest inflation-adjusted contribution limits released by the IRS. If you're trying to beef up your retirement savings in 2022, the 401(k) may get you one step closer to that goal. Watch Video: 401k, IRA: How to choose a retirement plan that’s best for you This material was created for educational and informational purposes only and is not intended as ERISA, tax, legal or investment advice.įollow me on LinkedIn. ![]() Securities and Advisory services offered through LPL Financial, a registered investment advisor. With a fresh start in the new year, plan to the make the most of 2022 by strategizing a strong retirement savings plan early, and executing it throughout the year.īrian Menickella is a co-founder and managing partner at The Beacon Group of Companies, a broad-based financial services firm based in King of Prussia, PA. If you have a 401(k) available to you, particularly with employee match opportunities, there's never been a better time to prioritize this as the foundation of your retirement savings plan. The 401(k) is a fantastic vehicle for preparing for retirement, and the new legislative changes relative to these accounts provide more opportunity and flexibility than ever to maximize your savings this year. While a 401(k) investment is always imperative, committing to the company until vesting occurs will help you maximize your contributions. Many employment agreements require that employees remain at the company for a certain amount of time until the employee match vests. The more that you can leverage your automatic contributions, the easier it will be to maximize your 401(k).įinally, ensure that you are in a position to actually take advantage of the employer match. Then, try and divert any funds such as bonuses or incentives, into the fund as well. ![]() Each year, you should aim to raise your automatic contribution by 1%, which is an amount that you won’t notice missing from your paycheck but will make a big difference in your retirement fund. Calculate what your monthly contribution needs to be to max out your annual 401(k) investment and begin with whatever amount you can afford. This means that you don't even have to think about your savings when your monthly paycheck hits. This is likely to result in net savings, given the fact that your retirement income will likely be lower than your current income.Īnother great way to do this is to set automatic contributions for your 401(k). Since contributions are non-taxable income until withdrawn, they are valuable for saving additional money. Therefore, avoiding over-contribution is important to maximize your investments.Īs previously mentioned, one of the most important things you can do to max out your 401(k) contribution is to make the most of your own income and employer inputs.įirst, leverage your contributions for the tax breaks. Specifically, excess contributions will be taxed at 6% per year as long as they remain in the account. Relative to acting as constraints, exceeding your contribution limit results in an excess tax. Essentially, there are two ways to treat investment limits, either as constraints or as opportunities. These legislative changes are important to understand for the sake of understanding your personal investment limits. For example, the bracket phase-out for married couples filing jointly increased from $198,000-$208,000 in 2021 up to $204,000-$214,000 in 2022, giving a bit more room for investment. However, the income brackets for traditional IRAs, Roth IRAs and Saver's Credits have increased slightly, giving additional taxpayers the opportunity to contribute more to these retirement accounts. There is no change to the IRA contribution limit, which remains at $6,000 for normal taxpayers and $7,000 for taxpayers over 50. ![]()
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![]() ![]() So get ready to blast off in a rocket fuelled Starfield performance preview. We also compare the improvements over the previous showing, enhancements within the engine, and much more. I’ve created something mysterious that I have no idea to explain. This is a somewhat unusual game, Taro stated emphatically. The biggest question after the show(s) was: why is it 30fps on Xbox Series X and Series S and not 60fps? In this IGN Performance preview, we dive into the details shared by the team, the revealed PC minimum and recommended specifications, and how the Creation Engine 2 works, comparing the previous games to gauge some of the potential reasons why the team might have chosen 30fps. Earlier this year, creative director Yoko Taro vaguely revealed a new project during Replicant’s first official livestream. Project Eve, un hack n slash del estudio surcoreano Shift Up, llegará a PlayStation 5. This week's Famitsu Magazine includes a new interview with Yoko Taro and Yosuke Saito, where they most notably teased. Nier Automata s convoluted philosophical narrative with 26 distinct endings is not. Project Eve: NieR Creator Yoko Taro Reacts to PS5 Trailer. Yoko Taro is working on more games with Yosuke Saito and Square Enix. However, more obvious comparisons with Yoko Taros universe boil down to various themes and soundtrack. Yoko rarely, if ever, appears in public without a mask. Project Eve PlayStation 5 - US, EU, Asia & JP Developer Shift Ups upcoming action game. ![]() Fans primarily know the eccentric director from Nier: Automata, which was considered one of the best RPGs of 2017. With Starfield being the center of the Xbox 2023 Showcase last week, Bethesda gave us a deep dive into one of the biggest games this generation. Yoko Taro, the director of the Nier series, loves hiding intricate secrets in his games, but it's possible that his biggest secret of all is his face. ![]() ![]() For more information, go here.įor more information on Agganis Arena including building and bag policies, parking and transportation, and concessions availability please visit this link. This event will adhere to the venue’s local health and safety guidelines for COVID-19. Fans are encouraged to bring items they’d like to have signed, and we'll have pens available for use. Meet and greets with your favorite RLCS teams are returning at the Spring Major! These meet and greets will be held in the Exhibition Area on Saturday and Sunday, and the teams who’ll be participating will be announced the day prior to each activation. Check out the list below to see who'll be setting up: There will also be team and community booths on-site. All items will only be available on-site, and once they're sold out, they're gone for good! So, make sure to cop your favorites before they're all gone. There will be RLCS Spring Major merchandise available for purchase. ![]() ET with the RLCS Pre-Show beginning an hour later at 11 a.m. If you’ll be attending the Spring Major in person, we'll be welcoming fans on July 8 and July 9! Doors will open both days at 10 a.m. Don't forget to tune in for your chance to snag your own. The RLCS 22-23 Spring Major Dominus, Fennec, and Octane Decals will be dropping from all eligible RLCS Spring Major streams for all four days of the Major. New Spring Major Fan Rewardsĭuring the RLCS Spring Major, there will be three Spring Major-themed Decals added to the Fan Rewards pool. Rizzo and Athena's live watch party will be live on July 6 and 7, so if you're looking for a more laid-back stream with fun player and coach interviews, check out their watch party. ![]() If English isn't your first language, be sure to tune in to our alternate language streams below: July 9 (Upper Finals, Lower Semifinals, Lower Finals, Grand Finals, and Bracket Reset) July 8 (Lower Round 3, Upper Semifinals, and Lower Quarterfinals) UTC) on both the main streams and alternate streams.īroadcast begins at 11 a.m. July 6 (Round of 16 and Upper Quarterfinals)īroadcast begins at 11 a.m. From July 7 to 9, the broadcast will take place on the Rocket League Twitch channel, The Rocket League TikTok channel, and the Rocket League Esports YouTube channel. On July 6, there will be main streams on the Rocket League Twitch channel, the Rocket League TikTok Channel, and the Rocket League Esports YouTube channel, and alternate streams on the Rocket League Esports Twitch channel and the Rocket League Esports YouTube channel. The RLCS Spring Major will run for four total days, from July 6 to 9. The RLCS Spring Major will mirror the RLCS Spring Split format. July 8-9, we'll welcome a crowd to the event.Īfter an exciting Spring Split, 16 of the top Rocket League teams from around the world are set to take to the pitch in Boston. ![]() ![]() July 6-7, the show will be studio-only and closed to the public. The event takes place at Agganis Arena July 6-9. Here are some high-level details about the RLCS Spring Major: The RLCS Spring Major is the third International Major in the 2022-23 RLCS Season! Teams from all across the globe will have one last chance to prove themselves and qualify for the Rocket League World Championship. The RLCS Spring Major is set to take off at Agganis Arena in Boston, MA from July 6 to 9! The top 16 Rocket League teams from around the world will face off for a final chance to qualify for the Rocket League World Championship as well as the title of RLCS Spring Major Champions!īefore we kick off the last Major of the RLCS Season, make sure you get caught up on all the information you need to know below! What's the RLCS Spring Major? The 2022-23 Rocket League Championship Series (RLCS) Season has been one to remember, and now we’re approaching the third and final Major. ![]() ![]() Your Early Access Pass allows you to enter the festival an hour before doors open to the general public. Early Access Pass: $30 (includes one beer ticket) or $42 (includes 3 beer tickets).Here are available ticket options, prices, and all the perks! Now that we know Harpoonfest spreads across two days, it’s time to plan out your visit and secure tickets. The decision to promote Sculpin was made in the hours leading up to the first pitch, according to CMO Jim Sabia.īoston Beer Company also debuted its “Fill your Glass” commercial during last year’s World Series Game 7.Just steps away from Boston's finest cafes, museums, and the iconic Fenway Park, The Clearway features one, two, and three bedroom apartments. Last year, Constellation Brands ran a 15-second ad for its Ballast Point Sculpin IPA during Game 7 of the World Series between the Houston Astros and the Los Angeles Dodgers. Harpoon isn’t the first beer company to make a last-minute bet on advertising its flagship IPA during the World Series. “I still worry about jinxes and am superstitious.” “I’m just glad the night this aired – between the National Anthem and the first pitch – that Boston won,” he said, noting his lifelong Red Sox fandom. Nevertheless, Bonacci believes Saturday’s ad could have reached approximately 26 percent of the households in the greater Boston market. ![]() In addition to airing on Saturday, the 30-second ad also ran during pregame coverage of Game 3, on Friday, about an hour before the first pitch - a time slot that is less desirable because fewer viewers are tuned in. ![]() “It is incredibly competitive, and so we need to start looking at options that we wouldn’t ordinarily consider.” “It’s very different than when we started out in the ’80s or even in the ’90s,” he said. “It was a great opportunity, and it seemed like a great time to try it out.”Īccording to Bonacci, this was the first time in Harpoon’s 32-year history that it has spent money on a television ad.Īpproximately 15 percent of the company’s marketing budget is reserved for various print, radio, and digital advertising opportunities, and Harpoon typically dedicates most of that spend on experiential marketing initiatives, such as beer festivals and other consumer engagement activities.īut that strategy is beginning to shift as the craft beer category gets more competitive, Bonacci said. “I was in the middle of doing a budget review for Q4, and we had some funds that hadn’t been allocated,” he said. Though he wouldn’t disclose how much the commercial cost, Bonacci said it was “more” than what Harpoon would “normally spend on advertising.” “It was a pretty big move for us, but we liked the idea of being a part of this World Series, with this team, and this year,” he added. “We’ve always danced around it, and we hear from people all the time when they have ad slots available. “We’ve talked about whether or not we should shift how we go to market ,” he said. ![]() Love Life.” video package that explains the meaning behind the Harpoon motto.Ĭhris Bonacci, the company’s vice president of marketing, told Brewbound that the decision to run the ad was made in the days leading up to games three, four and five, which were played at Dodger Stadium. The 30-second spot, which was purchased directly from WFXT, a Fox affiliate, was a truncated version of the company’s 2015 “Love Beer. “We’re more about, ‘Come down here and drink this great beer surrounded by a lot of great people as well and interact and have a wonderful time.’” “We’re not just about, ‘Hey come down here and try this exotic beer you’ve never had any place else,’” he said, as footage from the brewery rolled. ![]() ![]() "Miley Cyrus' 'Flowers' Tops Billboard Hot 100 for Third Week, Lil Uzi Vert's 'Just Wanna Rock' Hits Top 10". "Mariah Carey's 'All I Want for Christmas Is You' Returns to No. 1 on Hot 100, The Weeknd & Beyoncé Hit Top 10". "Taylor Swift's 'Anti-Hero' Returns to No. ^ a b c d Trust, Gary (January 9, 2023)."Taylor Swift's 'Anti-Hero' Rules Hot 100 for Fourth Week, David Guetta & Bebe Rexha Hit Top 10". 1 on Hot 100 for Ninth Week, Taylor Swift & Ice Spice's 'Karma' Blasts to No. "Taylor Swift Makes History as First Artist With Entire Top 10 on Billboard Hot 100, Led by 'Anti-Hero' at No. ^ "Billboard Hot 100 chart (current)".List of Billboard Hot 100 number ones of 2023.G The single re-entered the top ten on the week ending June 10, 2023. F The single re-entered the top ten on the week ending May 6, 2023. E The single re-entered the top ten on the week ending April 15, 2023. D The single re-entered the top ten on the week ending March 25, 2023. C The single re-entered the top ten on the week ending March 18, 2023. B The single re-entered the top ten on the week ending February 18, 2023. A The single re-entered the top ten on the week ending January 14, 2023. 2 Prior to the chart dated March 11, 2023, "Die for You" was credited to The Weeknd only. A remix featuring Ice Spice brought the song back to the top ten, and Ice Spice is credited on the song as of June 10, 2023. Notes 1 Taylor Swift was the sole artist credited on "Karma" when it debuted on November 5, 2022, for its only week in the top ten prior to its return on June 10, 2023. " It's the Most Wonderful Time of the Year" Recurring holiday titles, appearing in the Billboard Hot 100 top ten in previous holiday seasons " The Christmas Song (Merry Christmas to You)" Holiday season Holiday titles first making the Billboard Hot 100 top ten during the 2022–23 holiday season Main article: List of Billboard Hot 100 top-ten singles in 2022 List of Billboard Hot 100 top ten singles in 2023 that peaked in 2022 ![]() " I Can See You (Taylor's Version) (from the Vault)" ↑ List of Billboard Hot 100 top ten singles that peaked in 2023 ↑ – indicates single's top 10 entry was also its Hot 100 debut.This is a list of singles that charted in the top ten of the Billboard Hot 100, an all-genre singles chart in the United States, in 2023.Īn asterisk (*) represents that a single is in the top ten as of the issue dated for the week of July 22, 2023. ![]() ![]() ![]() Owning a vacation home at Encore Resort not only provides you with an incredible family vacation experience, but also serves as an amazing investment property. Whether you’re planning a family vacation or looking for the perfect investment opportunity, these resort homes offer unparalleled luxury and convenience in an unbeatable location. With a wide variety of home styles and features to choose from, you’re sure to find your dream vacation home at Encore Resort, a luxury resort. Themed bedrooms add an extra touch of magic to your stay making each night’s rest a memorable experience. Indulge in the comfort of your very own private pool, unwind on the covered lanai, or challenge your friends to a game night in the in-home game room. With partial baths, flat screen TVs and other modern amenities, every detail is taken care of allowing you to relax and enjoy your vacation in style.īeyond the stunning interiors, these homes offer an array of enticing features to make your stay even more enjoyable. Each home is uniquely designed, featuring luxurious interiors, well-appointed kitchens, lounges, and dining areas. ft., providing ample space for families and groups of all sizes. Home FeaturesĮncore Resort homes boast an impressive range of sizes, from 2,000 to over 7,000 sq. With a wide range of resort homes available for sale, it’s time to turn your dream vacation home into a reality and create unforgettable memories at Encore Resort at Reunion. From private pools to the on-site fitness center and the exclusive Encore Club, there’s something for everyone at this lavish resort.Įach dream contemporary home located in this top resort community is designed to cater to your every need ensuring that your stay is nothing short of extraordinary. These exquisite resort homes are designed to provide a luxurious lifestyle for families visiting the famous Orlando theme parks. Nestled in Orlando, Florida, Encore Resort homes offer an unparalleled vacation experience with top-notch amenities and close proximity to the city’s most popular attractions. Investing in an Encore Resort home offers strong rental demand & potential returns ranging from 3.7% to 10.2%.Įnjoy close proximity to Disney World, Universal Studios & SeaWorld plus exclusive resort membership and delivery services! Let’s dive into the world of luxury vacation homes and find out what makes Encore Resort at Reunion truly one-of-a-kind, with encore resort at reunion homes for sale! Homes For Sale in Reunion FL Contact The Author For Assistance Short Summaryĭiscover luxury vacation homes and amazing amenities at Encore Resort in Orlando, FL! Welcome to Encore Resort at Reunion, where you can turn that dream into reality! Get ready to discover the perfect blend of comfort, style, and convenience in this exclusive community. ![]() Imagine owning a luxurious vacation home in the heart of Florida, minutes away from world-class theme parks and attractions. ![]() Private parking is possible on site for free.Encore Resort at Reunion Homes for Sale - Luxury Vacation Homes in Florida Wireless internet is available in the entire villa for free. Additionally, Encore Resort 4135 6 Bedroom Water Park offers heated swimming pool. Other amenities include a playground, a mini club and a gaming room for children. There are 2 fitted with a shower, a bath and a hot tub. The accommodation can accommodate up to 12 guests. ![]() They offer views of the private pool, while the bathroom comes with towels, a hairdryer and a drier. Roomsįeaturing a work desk, a TV and cable channels, this villa also has an equipped kitchenette area with glassware, fridges and a microwave oven. Orlando International airport is 45 km from the property. The accommodation is set a 15 minutes' drive from Walt Disney World Resort. This villa is located 950 metres from the beach. The residential accommodation is situated in Celebration district, in the vicinity of Disney's Blizzard Beach Water Park. ![]() ![]() ![]() Turn audio into text easily online using Narakeet. Check them all out on our languages and voices demo page. However, for English, our favourites are Rodney, Beverly, Helen, Brian, Ryan and Brooke. With 90 languages, and you have 600 to choose from, and it’s difficult to pick just one. What is the most realistic text-to-speech voice?Īll Narakeet voices are realistic, lifelike and sound natural. With text to speech voices you can create your own audiobooks from any text content, in minutes. Because producing an Audible book is time-consuming and expensive, the choice is limited. Text to Speech voices use artificial intelligence to turn book content into audio materials. Can Audible do text-to-speech?Īudible books are usually narrated by professionals. Copy and paste the book text, or upload a Word version of the book to our text to audio tool and choose a voice to read the book out loud. Yes, Narakeet is an audiobook maker that can create audiobooks with text. Narakeet is an audiobook maker that can help you create audiobook from text files, convert articles to audio, convert a book to audiobook Is there an app that can read books out loud? Make audio versions of textbooks easily, or convert your text to audiobook format in minutes. Audiobook with text: Frequently asked questions Speech using realistic AI voices offers a convenient and efficient way toĬonsume digital content. Particularly useful for long or complex PDFs. ![]() Furthermore, converting PDFs to speech can also save time, as itĮliminates the need to manually read through the document, and can be Additionally, for individuals who struggle with reading,Ĭonverting PDFs to speech can make the information more accessible and easier This allows for a more personalized and comfortable ![]() It, increased accessibility for individuals with visual impairments, theĪbility to multitask while still consuming the information.Īnother benefit of converting PDFs to speech using realistic AI voices is theĪbility to customize the reading speed, volume, and tone to match the Papers, for example to turn PDF to MP3 natural voice readouts.Ĭonverting PDFs to speech using realistic AI voices can provide a number ofīenefits, such as listening to the content on the go instead of having to read Use Narakeet as a PDF to speech converter online, to read out your books or We recommend that book publishers use EPUB or Word documents for Or print-optimised content, so it is ideal as a way to convert books into audio WAV audio for professional publishing using our text to speech EPUB reader.ĮPUB contains structured text optimised for reading, without any page markers If you have an ebook (in EPUB format), you can easily convert it into MP3 or Check out the video below for a quick demo, and to see how easy it is to make audiobooks using text to speech. In a few minutes, you’ll be able to download a MP3, WAV or M4A audio. 3 Click the "Create audio" button and let Narakeet generate the audio from text for you. ![]() ![]() Comparing these costs will help you determine the best financial fit for your plans.įurthermore, conducting in-depth research on each franchise brand’s track record, market presence, and customer satisfaction can provide valuable insights into the potential return on investment and long-term success. Some franchises may offer lower initial fees but charge higher royalties based on a percentage of your revenue. However, it’s important to compare the costs of these brands and assess which is the right fit for your financial goals and resources.Įach franchise brand will have its own unique fee structure, royalty rates, and initial investment requirements. Popular gym franchise brands have gained recognition for their success and appeal to fitness enthusiasts. Comparing the Costs of Popular Gym Franchise Brands Understanding the level of support can impact your overall costs and potential success. Some franchisors offer comprehensive training programs, marketing support, and ongoing assistance, while others may have fewer resources. You should also consider the level of support provided by the franchise. These variations can lead to different staffing and operational costs. Different franchises operate under varying gym business models, which can impact the financial requirements.įor instance, some gym franchises operate as 24-hour facilities without staff, while others may have staffed hours or require additional services such as personal training. When exploring gym franchise opportunities, it’s essential to examine the specific franchise models and their associated costs. Examining Different Gym Franchise Models and Their Associated Costs Factoring in these costs will give you a more accurate picture of the total investment required. These may include lease or purchase costs for the property, renovations or build-outs, equipment purchases, marketing and advertising expenses, legal fees, and initial inventory or supplies. In addition to the franchise fee, there are other expenses to consider. This fee can range from thousands to hundreds of thousands of dollars, depending on the franchise. The franchise fee is the upfront payment made to the franchisor to obtain the rights to use their brand and operate under their established system. It’s essential to consider both the franchise fee and other associated costs. Researching the average initial investment for gym franchises is crucial to gaining a clear understanding of the financial commitment required. Researching the Average Initial Investment for Gym Franchises However, these brands often come with a built-in customer base and brand recognition, which can lead to increased revenue potential. Established brands with a strong market presence may have higher initial fees and ongoing royalties. Moreover, the amenities and services offered, such as group classes, personal training, or specialized equipment, can also increase the initial investment.įurthermore, the reputation and popularity of the gym franchise brand will affect costs. ![]() A larger facility requires more equipment, which can inflate both upfront and ongoing costs. Urban centers typically have higher health club lease costs, while rural locations may offer more affordable options.Īdditionally, the size and scope of your gym will impact the expenses. Costs for real estate, permits, and renovations can vary greatly depending on the area. Firstly, the location plays a significant role. ![]() Several factors influence the overall cost of opening a gym franchise. ![]() Understanding the potential return on investment (ROI) and assessing the financial feasibility of your venture will help you make an informed decision. While the initial costs can vary significantly depending on the location, size, and brand of the franchise, it’s crucial to consider both the upfront expenses and the ongoing costs involved.īefore diving into the world of gym franchises, conducting comprehensive market research is essential. Opening a gym franchise requires careful financial planning and investment. Understanding the Financial Investment of Opening a Gym Franchise How to Find the Best CrossFit Gym Software.So, ready for some data on gym franchise cost and upfront investment required to help you decide which is the best gym franchise to own for your specific fitness franchise requirements? Here you go: Name Founder and President, APEC Sports Performanceīook a demo now! Upfront Investment Required for Gym Franchises ![]() ![]() ![]() If you have not been fully vaccinated, you should continue to follow the entry requirements of the country you are travelling to, such as proof of a negative COVID-19 test on arrival. Please note, name changes could result in temporary issues with matching your GP record to your hospital and prescription records. If the names are different, contact your GP practice to have your details updated. You should check that your first name and your surname on your passport match how they are displayed by your NHS COVID Pass at least 3 weeks before you travel. Read more information on travelling abroad during COVID-19. You should register with the NHS App before booking international travel. You will also need to follow any additional rules set by the country you are travelling to when abroad. Proof of recovery from prior COVID-19 infection if you have tested positive with an NHS PCR test in the last 180 days is also shown. You can show the vaccination records in your NHS COVID Pass as proof of your COVID-19 status when travelling abroad. ![]() How to use the NHS COVID Pass when travelling abroad The NHS COVID-19 App was developed to help manage the outbreaks of COVID-19 and supported features that told you if you had been near someone who tested positively for COVID-19 or you had been to a location that subsequently registered a number of positive cases. It has been extended to support functionality to demonstrate COVID-19 vaccination status. The NHS App has been built to provide access to medical services such as seeing your medical records and booking GP appointments. The NHS App is not the same as the NHS COVID-19 app ![]() ![]() ![]() Special 24-hour service applies to production time only-please allow additional time for your choice of delivery options. ![]() Your price includes a one color imprint on the front of the base.
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