For instance, if you have a very low income your necessities. If you have questions or would like further customizations no problem! we can make a custom one for you. Budget Percent Calculator : Here are suggested percentage guidelines based on net income compiled by Dave Ramsey, author of Financial Peace (Viking, 1997, 21.95) which he says are only recommended percentages and will change dramatically if you have a very high or very low income. Dave Ramsey Budget Percentage Worksheet We all know Dave knows what he’s talking about when it comes to budgeting, so it’s great to try to keep your budget in line with his recommended budget percentages. In other words, you can calculate your payments based on what you can afford or based on a date you have in mind. A payment due date calendar and bill checklist to make sure you never pay another late fee. A debt snowball tracker to keep you motivated on your debt pay off journey. The final result will be the number of payments and the specific amount you need to make. The free printable budget planner includes: A monthly budget worksheet so you can give every dollar an assignment in your budget. If for example, you want to pay an account by a specific date (before marriage, graduation, major move), just enter:Ģ.) APR that the loan or credit card charges you (and can easily be found online or in your paper statement)ģ.) The date you need to pay off this account Here’s a quick rundown of some of the best ways to save for a down payment while renting: Follow a budget. The Excel formulas will tell you the number of payments needed, and the estimated date you will pay it off.Ĭalculator #2: Pay off your debt based on a target date. 9 Tips on How to Save a Down Payment While Renting. Our research at Ramsey Solutions found that 45 of Americans have less than 1,000 saved for an emergencydon’t be one of them. It calculates automatically the minimum payment to pay off any debt by a certain date or based on your budget.įor example: Let's say that you have a budget of $100 a month to pay Credit Card A, and you want to know how long will it take for you to pay it off, the Excel template will only ask you for:Ģ.) APR that the credit card charges you (and can easily be found online or in your paper statement) So, with that in mind, you might be wondering, How much of my paycheck should I save The answer is make a budget, cut back on your spending, and sock away 1,000 as quick as you can. If youre creating a monthly budget, divide your yearly income by 12. In our article on household budget percentages, one recommended set of budgeting categories was: Saving: 10 Food: 10 to 15 Giving. This Excel template will make your path to debt-free a breeze! using Debt elimination method from Dave Ramseyįirst place all of your credit cards balance from left to right, the Excel will calculate the monthly payments for you. The first step in creating a budget is to calculate your income and expenses. App to try: The EveryDollar app from Ramsey Solutions uses Dave Ramsey’s zero-based budgeting approach.
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They have a psychologist on the set to talk with contestants and families afterward. When ‘The Moment of Truth’ has perhaps busted up a marriage, is the show responsible? When a contestant answers falsely on a seemingly simple question, Schultz said sometimes ‘they don’t even hear what they’re saying.’ However, various studies say the accuracy of polygraphs can’t be pinpointed, with some tests estimating they’re less than 70% accurate. Schultz said that from what he’s read, the polygraph is 94% to 97% accurate. ‘And somewhere your truth is that you don’t think you’re a good person at all.’ (An attempt to contact Cleri through her MySpace page went unanswered as of press time.) ‘Yet it came up as a lie, which means that somewhere in you, you haven’t forgiven yourself,’ Walberg said. Cleri said she didn’t know, that she does think she’s a good person. Walberg asked why that might have happened. Her family, including her husband, surrounded her. Suddenly, Cleri was shocked and penniless. Then ‘The Moment of Truth’ turned into a modern ‘Scarlet Letter.’ Does Cleri think she’s a good person? She had two more questions to go before winning $200,000. Has she cheated on her husband? Yes, she has. The host, Mark Walberg (not that Mark Wahlberg), resumed asking the questions. Although Cleri’s sister hit the buzzer, to much booing from the audience, when ex-boyfriend Frank asked whether she would leave husband Frank for him, his replacement question was no better: ‘Do you believe I’m the man you should be married to?’Ĭleri answered yes, which was apparently the truth, and got to the $100,000 marker. A segment producer told Schultz that Cleri had been texting Frank all week to find out whether he might be on the show as one of her interrogators.Īs well she should have. He continued: ‘If we’re doing a show called ‘The Moment of Truth,’ we have to be scrupulously honest with people.’Īccording to Schultz, the producers asked ex-boyfriend Frank to keep his appearance a surprise. ‘We let every contestant know that we’re going to reach as deep and as far into their lives as we can. Howard Schultz, the show’s executive producer, said on the telephone Wednesday that they investigate every contestant thoroughly, ‘to create a composite photograph, a mosaic, if you will.’Īnd they know what they’re in for, Schultz said. If they answer a question falsely - as determined by their pre-interview replies - they are bounced from the game with nothing. Along the way, contestants can win $10,000, $25,000 and so on, and once they reach those milestones, they can quit and keep the money. The contestant’s loved ones also get one, and only one, preemptory challenge in which they can hit a buzzer to skip a question they may not want to hear the answer to. The questions are selected from a pre-interview they did while strapped to a polygraph. Contestants must answer 21 questions truthfully in order to win $500,000. ‘The Moment of Truth’ premiered on Fox in January and has performed very well in the ratings. After she answered that question truthfully, her ex-boyfriend, Frank, not to be confused with her husband, Frank, took the stage to ask, ‘If I wanted to get back together with you, would you leave your husband?’ Yes, said Cleri - whose husband, parents and siblings were sitting before her, along with a studio audience and 8.9 million television viewers - she has taken off her wedding ring when out with friends, and, yes, she was still in love with a former boyfriend on her wedding day. This course takes a deep dive into patient symptoms and diseases, along with the corresponding assessments and interventions completed by med-surg nurses. Live/Virtual CRC is an immersive two-day course led by a Subject Matter Expert. 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Rclone doesn’t support b2’s versioning with filename encryption due to appended date/time stamp of the versions, and b2 doesn’t support -backup-dir option of rclone due to lack of server-side moves. I suppose there could be some bitrot after initial upload. I think b2 might store a checksum in its metadata, however I’ll have to think through whether that’s sufficient. The only time I’ll be downloading is to test the backup, which will consist of spot-checking by downloading 10s of GBs throughout the directories, and then hashing the original vs uploaded. My storage requirements are in the single digit TBs. I’ve got reasonable enough speeds that I wasn’t gonna mess with a VPS or similar to do cloud->cloud. Easily 150-180mbps uploading, which is flooding my FIOS. There’s some minor API transaction costs, but it doesn’t appear that they will add up to anything significant.įrom the East Coast US, backblaze is pretty quick. Pricing is $5/TB/month for storage, free uploading, and $20/TB for downloading. IT Security is both an art and science and requires a deep understanding of an organizations requirements and legal obligations to best protect their data in a method that cost-effectively addresses and manages risk.As soon as I got wind of the ACD stuff going down, I setup rclone for backblaze b2. While these are all great IT controls that every organization should have in place, it does not mitigate every potential risk. SonicWall and Cisco Meraki offer cost-effective solutions that get the job done. In addition, a next-gen firewall appliance with packet capture technology is a great way to ensure devices within your office are protected from malicious traffic entering and leaving your organizations network. Webroot, ESET, and Bitdefender offer cost-effective industry-leading solutions that should help mitigate a large majority of potential risks. These come in many flavors and range in cost from free to $30+ a year per device. How Can You Protect Against Unauthorized Virtual Access? In short, it depends… Installing and maintaining a trusted and regularly updated antivirus and anti-malware solution is a must. In this virtual arms race, hackers are working tirelessly to exploit software and develop automated social engineering schemes to trick unsuspecting users into turning over sensitive information. Malware and viruses such as CryptoLocker and ransomware are evolving on a daily basis. If you’re looking for a more enterprise-grade encryption solution, Symantec and Sophos offer great options. Both Windows and MacOS offer integrated solutions such as BitLocker (Windows) and FileVault (MacOS). How Can You Protect Against Unauthorized Physical Access? Implementing a Whole Disk Encryption (WDE) solution is an easy way to completely protect you in the event your device falls into the wrong hands. Would you do business with a company who lost your social security number, healthcare records, or other sensitive information? This is commonly overlooked and can significantly harm an organizations reputation if found negligent. While your computer, local network storage, or in-office server may be password protected, it, unfortunately, won’t protect against someone with physical access to the hard drive of the device. In addition, be sure to test your ability to restore data on a regular basis to ensure you’re able to successfully restore data in the event of an emergency. Solutions such as Dropbox, Box, Google Drive, Carbonite, and Backblaze are excellent cost-effective options to automate data backup. How Can You Protect Against Data Loss? It’s simple, back up your data to the cloud or alternative physical location on a regular basis. There are countless ways those files could be gone in an instant. Whether your computer has a critical failure, is stolen or lost, or your laptop is in the splash zone of that extra large coffee. While staying organized is crucial, it’s important to understand that storing critical or sensitive data on your computer or local network storage without the proper IT controls in place poses a number of risks. 50 files cluttering your desktop, versions on top of versions and what seems to be an endless number of folders. The way that we track plays is mostly in compliance with industry standards. Our analytics only includes data since after you switched to Spotify for Podcasters. You submitted independently to one or more distribution platforms and those plays aren’t syncing in your Spotify for Podcasters account.Some hosts don’t apply the same standards to stream data.This can happen for a few different reasons: If you’ve recently switched your podcast to Spotify for Podcasters, you may see slight variations in your podcast plays or ad impressions. If you’ve switched to Spotify for Podcasters Only available for podcasts hosted with Spotify.Īnalytics for your most recently published episode are available on the mobile app 24 hours after it goes live. Note: Due to a data constraint, video episodes published before Februonly display viewers and watch hours from Februonwards. Watch hours is the total amount of time that viewers have spent watching your episode on Spotify. Viewers is the total number of unique viewers that have watched your episode on Spotify for 60 seconds or more. For each video episode you can also see viewers and watch hours. Video Analytics (web only)Īll video plays contribute to your regular episode play count. Note: Listener age, gender, and episode performance data is only for Spotify streams. In your Audience retention chart, median play time is the point in the episode where 50% of people who started were still listening. Note: T his chart is available on each episode detail page, found under Episode Rankings. Compare and contrast average listening time across episodes to understand what works and what doesn’t to improve planning for future episodes. You can view each episode’s ranking and total plays. Your episode analytics help you understand what content resonates with your audience. On the mobile app, we display the top 10 episodes only.Ĭlick on an episode to see more stats. Episode rankingsĪll of your episodes, sorted by plays. Note: gender and age data is also available in the Analytics section of the Spotify for Podcasters app. If you work with brands (or would like to), this information can help you pitch to advertisers. This data is helpful in getting to know your audience better, and can help you tailor your content and marketing accordingly, or identify new opportunities to reach audience groups that haven’t discovered your show yet. Which apps and devices your listeners are playing your podcast on. Listeners are unique listeners who started an episode in your catalog. Click Region to return to the national view. On web, click on a location in the United States to drill down into more specific locations. Where in the world your listeners are, and what percentage of your total listeners come from that region. The number of plays across all your episodes.After selecting a desired date range, tap and hold on a day to see: On our mobile app, your podcast plays can only be viewed at a daily level. A purple dot on the bottom means you published a new episode on that day.The total number of plays across all of your other episodes.Your top 3 most-played episodes within that time frame.After selecting a desired date range, hover over a particular day to see: On web, you can view your podcast plays at a daily, weekly, or monthly level. Users that follow a podcast see new episodes on their Home tab and in the What’s New feed. How many users follow your show on Spotify. How many listeners downloaded or streamed an episode in the last 7 days, measured by the number of distinct devices. This number may temporarily decrease when you publish a new episode as we count plays from your newly-released episode. Your plays per episode can fluctuate based on the frequency with which you publish new episodes. It’s a great way to help you predict the average number of plays you can expect to receive for each new episode you publish. The average number of plays your recent episodes received in their first few weeks. A download can represent an automatic download, or someone actually listening.įor new podcasts, this data will appear once your show has reached the minimum threshold of plays. The total plays for your podcast includes all downloads and streams of 60 seconds or more across all platforms. When you add new podcasts or episodes, their data will show up one day later. Stats typically update every 24 hours for the previous day. Our analytics reporting is IAB-compliant. Audience : geographic location, apps and devices, gender, and age.Overview : plays, plays per episode, and audience size.If you host your podcast with Buzzsprout, Libsyn, Podbean, or any other host, head here to view your analytics.If you host your podcast with Spotify, head here to view your analytics. You can find analytics for your podcast on your Spotify for Podcasters Dashboard, including personalized data on your podcast's performance, audience demographics, and episodes. |
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