![]() ![]() Every night in order to fall asleep she needs a parent to be with her. By applying well-validated behavioral techniques, listening carefully to parents and kids, and lots of trial and error, I have discovered the specific strategies that children need to establish a habit of independent sleep. Over the years, I have refined this straightforward behavioral approach to solving the problem. I developed the Goodnight Worry program in 2001 because I kept encountering this problem in my practice as a clinical psychologist. Everyone feels discouraged and exhausted. Eventually, parents throw up their hands. The child is not just being stubborn-she is panicked. The child cries, pleads, yells, and bangs on her parents’ bedroom door. Mom and Dad try to be firm and set limits, but the child actively refuses to stay in bed. It may only cause the child to feel more anxious and pressured. But the reaction they get is intense resistance. First, they try reassurance – tell her she is safe, show her that all doors are locked, buy a new special pillow, and maybe promise a reward. They want their child to sleep alone, and do so comfortably.īut when parents try to get the child to sleep alone, they run into trouble. They want their child to be confident, not fearful. Moreover, parents feel that too much dependence on them is unhealthy. But by the time the child is 7 or 8 years old, parents want to reclaim their bed. Maybe this was okay when the child was a toddler. ![]() Sharing a bed with a child every night can be maddening. Understandably, parents eventually get frustrated with this routine-too many knees and elbows, too little privacy. Or a parent has to sleep in the child’s bed. ![]() Often, the child sleeps in the parents’ bed. Every night, a parent has to be with the child until he or she falls asleep. The Goodnight Worry program is designed to help school-age children (5-12 years old) learn to sleep alone. This mastery and independence will spread to other parts of their lives, adding to their sense of confidence and strength as they face their world. By developing their capacity to soothe themselves, our children master their fears. TAKE THE SURVEY.Ĭhildren should be able to fall asleep on their own. I will not share your name, your child’s name, or your email address. Describe your child’s sleep problem and how it affects your family. Tell me your story: you want to help me and other families, consider completing this short survey before you start the Goodnight Worry program. I want to hear from you! Please let me know if this is helpful. The Goodnight Worry Program for Bedtime Fears ![]()
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![]() RAM: 16GB Crucial Ballistix Elite 2400MHz This is what the game looks like on completely maxed out settings (click to enlarge). Red Dead Redemption 2's built-in benchmark uses a number of in-game scenes to test the game's performance, from snowy mountains, boggy swamps, the wild outback and a shootout (on foot and on horseback) in the busy St. The good news, at least, is that even Red Dead Redemption 2's highest bunch of settings (everything cranked up to the farthest 'Favour Quality' end of the scale) only requires 3.5GB of your graphics card's memory banks at 1080p, so at least they won't be overloaded from that point of view. That's going to make Red Dead Redemption 2 incredibly hard to benchmark in the coming days, but I will do my best to bring you some (hopefully) useful advice on how to tame this beast of a game. ![]() On my 6GB GTX 1060, however, the lowest preset gave me Low Texture Quality, with a mix of Low and completely turned off settings. When I turned the settings right down on my RTX 2080 Ti, for example, Texture Quality was automatically set to High, even though the rest of the graphics settings were a mix of Low and Medium. Plus, each preset will give you completely different results based on what graphics card you have in your PC. Twenty-one! That's seven for 'Favour Performance', seven for 'Balanced', and another seven for 'Favour Quality', which is, frankly, madness. And to make matters worse, there are 21 of them. For starters, Rockstar have completely eschewed the standard quality presets like 'Low', 'Medium', 'High' and 'Ultra' for a sliding scale that goes from settings that 'Favour Performance' to those that 'Favour Quality'. Luckily, I'm here to help, because boy howdy is Red Dead Redemption 2's graphics menu confusing. Red Dead Redemption 2 PC settings: How to get the best performance Naturally, the list contained nothing but Nvidia RTX cards, but the idea that you'd need at least the £350 / $3 to get 60fps on High at 1920x1080 did make me question whether Rockstar's own PC requirements were entirely accurate.Īdd to that several people failing to run the game on even its lowest graphics settings at 1080p on launch day and it's clear Red Dead Redemption 2 isn't quite as friendly as we might have thought. However, on the day Red Dead Redemption 2 launched on PC, Nvidia struck fear into the hearts of all and sundry by publishing their own list of recommended graphics cards for hitting that all important frame rate figure of 60fps. GPU: Nvidia GeForce GTX 1060 (6GB) / AMD Radeon RX 480 (4GB) GPU: Nvidia GeForce GTX 770 (2GB) / AMD Radeon R9 280 (3GB)ĬPU: Intel Core i7-4770K / AMD Ryzen 5 1500X Nvidia's GTX 1060 remains one of the most popular and widely used graphics cards on the planet, according to Steam's hardware charts, so most PCs out there should be able get the game running. As you can see below, both the minimum and recommended requirements are both surprisingly manageable. ![]() ![]() Manage cookie settings Red Dead Redemption 2 PC requirementsīefore we do that, let's remind ourselves of what Red Dead 2's PC requirements actually entail. To see this content please enable targeting cookies. So, without further ado, here's everything you need to know about Red Dead Redemption 2's PC settings, including which of its many dozens of graphics options you can turn down to help boost your frame rate, as well as how to wrangle its 21 different quality presets (yes, you did read that correctly) into something playable. In this article, I've focused on what kind of performance you can expect to see from Red Dead Redemption 2's recommended PC requirements (that is, with a GTX 1060 in your system), but you can also hop over to my separate PC performance article on what you really need to get Red Dead 2 running at 60fps for a more detailed look at what other graphics cards are capable of (and surprise, you don't need an RTX 2060 like Nvidia previously suggested). ![]() Red Dead Redemption 2 hasn't had the smoothest of starts on PC, but now that most of its crashing issues and unexpectedly quitting launcher problems appear to have been resolved, it's time to take a closer look at Red Dead Redemption 2's PC settings and how you can get this beaut of a game running as smoothly as possible. ![]() ![]() ![]() The Aberdeen Community features a resort style pool and fitness center, planned events calendar, trivia nights, food truck nights, Swim Team, walking paths, is close to shopping and dining at the Durbin Town Center and offers easy access to the highway system via 9B. Don't forget t enjoy the large custom paved screened in back patio! Exterior backs up to the woods/preserve providing privacy, a wonderful entertain space, and is also fully fenced yard. ![]() The average price for real estate on Tessera Court is 283,246. 2 additional guest rooms and dedicated office/5th BR downstairs. We found 6 addresses on Tessera Court in Saint Johns, FL 32259. Check out the oversized upstairs bonus room with ample storage and an additional full bath. En suite bathroom including dual vanity, garden tub & separate shower. Downstairs Primary Suite features bay windows, tray ceiling and dual custom closets. Kitchen includes Cambria quartz counters & Stainless Steel appliances. Enjoy casual eating at your California bar top. This layout includes an open concept floorpan with large kitchen, breakfast area, separate dining all open to the family room. The Destin II Model features 5BR and 4BA located in the #1 rated school district in the State. This Saint Johns, Florida Single Family House is 4-bed, 4-bath, recently sold for MLS 976687. Wonderful opportunity to purchase a great property with a well-though out floor plan in St Johns County. Off-market - See photos and descriptions of 704 Tessera Ct, Saint Johns, FL 32259. ![]() Zip downtown in 30 mins, head to the beach in 35 and make it to downtown St Augustine within 40 mins! 2 additional guest rooms and dedicated office/5th BR downstairs. Wonderful opportunity to purchase a great property with a well-though out floor plan in St Johns County. ![]() ![]() ** NOTE: The CineStill C41 powder kit DOES NOT come with stabilizer. Long-lasting shelf life with 3-part Developer and Blix mixtures CineStill Cs41 Color Simplified 2-Bath C-41 Powder Kit (24 Rolls) 50 Ars-Imago 120 Films 35 mm Cartridge LAB-Box Developing Tank 2-Module Kit (Orange) 29 Save 10 18900209.COLOR PROCESSING BUNDLE - Cs41 Kit, ☌s TCS-1000 (120V), Developing Tank. You can’t however go back and make an ECN-2 negative into a C-41 negative for printing. Instructions for machine processors and hand processing included C-41 films may be processed in Cs2 chemistry to achieve desired results and vice versa.Push/Pull processing instructions included.Quick reference card for processing times.No particular processor needed (use standard processing tanks and reels).Two bath kit (just like most black and white processing).Easy to mix powder chemicals to make 1 quart.Reusable Developer and Blix for processing up to 24 rolls of film with reuse see instructions.1 Liter will process approximately eight rolls of 35mm x 36 exp.For processing any color negative (C-41) film.This kit can be used to develop upto 40 rolls (35mm /. Unicolor C-41 Powder 35mm / 120 Film Home Developer Kit (1 Liter) 29.95 + 8.12 shipping. You can now develop colour films at home, using the Colour film (C-41) Development Kit for hobbyists. Kodak HC-110 developer 1 liter new old stock expired 07/2021. All you need is water, a thermometer, and any simple developing tank! Vintage Unicolor PFS Chemistry Kit For Processing Kodak Ektachrome RC Paper. ![]() Now you can wash out all your processing stuff and really, really dry it. ![]() If you already process your black and white film, there is no reason you can't process your own color negative film at home!! With this simplified 2-bath process, you can have beautifully developed and fixed color negatives, ready to scan!. Tetanal C-41 Rapid Kit (they come in liquid and powder form for 1 or 5 litres of working solution. No darkroom or automated processor is required! Processing your color film doesn't have to be complicated or expensive! These two bath processing kits can be used at various temperatures with the same equipment you already process your black and white film at home. Processing ANY color-negative film at home is easy with these two simple. Processing ANY color-negative film at home is easy with these two simple chemistry mixtures. Cs41 Color Simplified Powder Kit for Color Processing at Home (C-41 Chemistry). Cs41 "Color Simplified" Powder Kit for Color Processing at Home (C-41 Chemistry) ![]() ![]() You enter, find the conduit, scan for the anomalies, knock ’em out, and then take on the boss. This allows the conduit to power the Starseed.ĭue to the above, each area can be repetitious. Then you return to the area’s conduit (which Rei can freely warp too once she locates it) and reactivate the AI assisting her now that its signal isn’t being blocked. Once they’re all disposed of, a Remnant - a giant monster - must be fought. Each of Solar Ash‘s six areas (one tutorial, and five that are full-length) allows you to scan for these anomalies, so you just need to approach and destroy them. Specifically, Rei has to destroy anomalies. You then need to complete several repeating objectives to fight a big boss and move on. Just like The Pathless, Solar Ash is divided into multiple areas that are all interconnected. The game looks like it, Rei moves similarly to that game’s protagonist, and the games have remarkably similar structures resembling a bite-sized Breath of the Wild. Speaking of other atmospheric exploration indies, Solar Ash is almost astoundingly reminiscent of The Pathless in a lot of ways, which was released last year by the same publisher, Annapurna Interactive. Visually, though, I’d say the game has less of an identity than its predecessor, as it looks similar to other atmospheric exploration indies. The world feels lived-in, and the story elements are all organic. Each of the game’s areas has stashes left behind by the other Voidrunners with five or six voice logs, telling a bit of their stories, and giving you a feel for their character. There are side characters with their own story arcs that you can see through by exploring the world. Unlike Hyper Light Drifter, which mostly told its story through its visuals alone, Solar Ash has multiple characters and plenty of voice acting. It’s up to Rei to find out what’s going on and do her best to save her people from oblivion. But the other Voidrunners have gone silent, and the Starseed hasn’t been activated. When her home world is threatened with destruction by the Ultravoid, she and her fellow Voidrunners go to place conduits on a nearby planet to activate a device known as the Starseed to keep the Ultravoid from leading their people to ruin. Rei is a Voidrunner a member of a group that dives into and explores voids. Solar Ash is the story of the unfortunately named Rei, which will no doubt generate some Star Wars jokes. But it’s still a compelling experience with an intriguing narrative and some worthwhile sights to see. Some HLD fans will no doubt be disappointed by this, and the game could certainly have used a bit more depth and variety. ![]() Instead of focusing on action, the game is all about platforming, exploration, and dashing forward at high speeds. But that’s mostly where the similarities end. It’s got the same developer, it’s set in the same universe, and the main character also has an energy sword. Several other games were shown off during the Annapurna Showcase, such as the memory-driven interactive story A Memoir Blue and card-based, speedrunning-focused Neon White.It’s easy to assume that Solar Ash is a sequel to Hyper Light Drifter. ![]() "I won't get too into detail other than the DualSense is super rad and we're going to do some stuff with it," Preston said. There's an order to things."Īnd yes, if you buy Solar Ash for PlayStation 5, you will experience different sensations and sounds while moving around thanks to the PS5 DualSense controller's 3D audio and haptic feedback. I'm not going to sit here and be like 'You can go anywhere,' like you can go to Gannon's castle right away or anything like that. "It's very big and open in a lot of ways, but it's not an open-world game. "I would say is kind of-it's open," Preston said. According to Preston, Solar Ash delivers with an open environment. With all this focus on traversal, you'll need somewhere to go. I would say it'll be pretty straightforward how to manage your character." "If you're comfortable with third-person action games, you're not going to find anything super wild here where you have to be pressing both triggers in tandem or anything like that. "I think we're very aware of how challenging a third person game can be with a freeform camera." ![]() "I would say it's pretty approachable," Preston said. But when I asked Preston, he said that Solar Ash's movement more closely resembles the easy-to-pick-up web-swinging mechanics of Marvel's Spider-Man than the carefully timed button presses and precise turns needed to perform an amazing aerial goal in Rocket League. You will have to practice to achieve the same level of fluidity seen in trailers. To do that, Heart Machine has designed Solar Ash's movement mechanics to be fairly easy to grasp. Now Playing: Solar Ash - Official Gameplay Trailer By clicking 'enter', you agree to GameSpot's ![]() ![]() They usually wear different uniforms.īUG: A prison staff member who can’t be trusted.īUNDLE: A small package containing tobacco or drugs.īUNKIE: Roommate. Usually an 8 X 10 cell, occupied by two people on 23.5 hour/day lockdown, broken only by three showers and one change of clothes per week.īRAKE FLUID: Psychiatric meds such as liquid Thorazine.īROGANS: The state-issued work boots that inmates wear.īROWNIES: People who work in the kitchen. Inmate bosses are simply more experienced, wiser inmates who advise others.īOX, THE. Began in the early years of penitentiaries as “Sorry son of a bitch,” spelled backwards. “She’s got money on the books.”īOSS – A term used by inmates to refer to officers working as guards. An inmate’s trust account, money held by the state for their purchases at commissary. In certain facilities, books of stamps are used as currency. See also Kung-Fu Joes, Skippies.īONE YARD: Trailers used for conjugal visits. Usually just one guy in a tiny office.īO-BOS: Prison-issued tennis shoes. ![]() For women whose uniforms are a pair of jeans and a t-shirt, it’s changed to “ and blues.”īOARD: The entity that adjudicates prison disciplinary reports. Getting a real syringe behind bars is understandably difficult, so prisoners make due with the resources they have.īLUES: Prison clothes. B.īB FILLER: Body Bag Filler usually a very ill prisoner.īEAN SLOT: The opening in the cell door where food is delivered, usually in doors in restricted housing unit.īINKY: A binky is a homemade syringe that consists of an eyedropper, a pen shaft, and a guitar string. Prisoners can’t just join them they have to be invited to become a member of the gang.ĪGGRAVATED – Inmates often use the word aggravated to mean mad possibly give the impression that they are educated.ĪGITATOR – An inmate who manipulates other inmates into fights normally for the pure enjoyment of watching the other inmates fight.ĪLL DAY AND A NIGHT: Life without parole.ĪSSOCIATE: Another inmate who’s not a friend but with whom you’re breaking the rules. They are a white supremacist prison gang with a fierce reputation. A.ĪB: The AB, or Aryan Brotherhood, is also known as the Brand. Usually the section of the state’s general statutes concerning competence to stand trial. GLOSSARY:ġ3 1/2: 12 jurors, 1 judge, and 1/2 a chance seen in prison tattoos.ĥ150: Crazy. ![]() ![]() I tried to cull out racially and sexually offensive slang, except for a few words that will show what it’s like to work and live in a prison. It’s just a short list of words and phrases used inside prisons that, I think, give a better feel for a correctional atmosphere. This is hardly an exhaustive list of prison slang. ![]() ![]() ![]() One of our favorite test albums was Brothers, by the Black Keys. Though we missed some detail and articulation in the sculpted upper register and noted the tweeters sounding tinny on a rare occasion, we were pleased to note a generally smooth delivery of high-frequency instrumentation like crash cymbals and hi-hats, with no sibilance or sharpness. Our favorite tracks from bands like Led Zeppelin and Pearl Jam were delivered with a brash presence, banging out some impressive levels of velocity in vocals and electric guitar, as well as clean and present snare and toms. … A portable boom box that can hang at a construction site, inside a fishing boat or on a picnic table by the lake…The G-BOOM rendered pop and rock tracks with a spiny edge that added some welcome excitement to the music. Auditioning a wide variety of genres from our iPhone 5 via Bluetooth, we experienced a clear and balanced overall tone, heavily centered on the midrange. The G-BOOM’s Boombox-themed exterior seems to carry over into its sound signature as well, showing an affinity for loud, rocking tracks. While we’ve heard some pretty awful signal transference from the aged version, we’ve also heard speakers utilize 2.1 with fairly pleasing results (including the Sound Platform 2) so we hoped the G-BOOM could continue that trend. For most of our listening, we used the rock setting which seemed to have a fuller, more bass-oriented sound.Īt the bottom-rung price of $100, we weren’t surprised to find the G-BOOM uses the older Bluetooth version 2.1. The G-BOOM offers a decent feature set for an entry level speaker, including the aforementioned ability to charge mobile devices, a lithium ion battery with an approximated 6 hour run time, and an EQ with three stock presets including flat, rock, and pop. With two rather chintzy clicks of the control keys we had the speaker fired up and pairing, almost instantly appearing in our device settings as “G-BOOM”. Beneath the ports is a rubber flap which protects the DC power input, a USB port for charging devices, and a 3.5mm line input.Īt the base of the front speaker screen is a trapezoid-shaped display window housing 3 LEDs which illuminate white, blue, and red, for power, pairing, and charging respectively. On the reverse side are two sound ports which help to reinforce bass. Beneath the screen sit the G-BOOM’s dual speaker sets, including a pair of 1-inch tweets set above a pair of 3-inch midrange drivers. Set across the front face of the device is a large metal speaker screen with wobbly ripples carved into it, as if perpetually blasted by physics-bending sound. Set into the panel is a row of rubberized keys which control power, Bluetooth pairing, EQ, volume, song search, and play. The rugged handle arches above a top panel of soft rubber – a welcome addition, as the hand tends to rub against the underside during transport. ![]() The speaker is a bit rough to the touch, covered in sharp angles of heavy plastic and metal. The G-BOOM cuts a fairly formidable presence, evoking an aesthetic somewhere between a Batman weapon and a robotic briefcase. Inside the package we found a DC power adaptor and a 3.5mm aux cable. Looking more like an oversized lunch pail than a Boombox, the G-BOOM is solidly constructed and built for travel, with rubberized control keys, and heavy metal rods supporting the handle and side ports. ![]() Pulling the G-BOOM from its bright yellow box revealed a fairly hefty trapezoid of rough-and-tumble speaker, its black exterior layered in corrugated plastic and thick rubber. LG’s new XBoom XL7 and XL5 speakers offer a portable sound and light showīluetooth Multipoint finally arrives on Sony’s best wireless earbuds The best TV brands of 2023: from LG to TCL, which should you buy? We recently sat down with the G-BOOM to see what kind of sound you can get from a $100 Bluetooth Boombox – and maybe play some “Rappers Delight” at shoulder level. With attractive 21st century additions like Bluetooth connection, rechargeable batteries, and DSP sound, maybe this is the time for a Boombox revival. The tough, all-black speaker box is made by some of the same folks that designed the Sound Platform 2, and promises big sound in a portable package for only $100. One such example of the neo-vogue device is G-Project’s G-BOOM. Look around, and you’ll see the Boombox is making a comeback - this time with a wireless twist. So it’s not surprising that the ever expanding Bluetooth speaker market would also take up the call, reviving an old 80’s favorite, the Boombox. But here we sit watching jean jackets and Risky Business Ray-Bans reach the height of hipster fashion while freaking New Kids on the Block is going on tour! Even they didn’t see that one coming. It wasn’t too long ago that everyone counted the 80’s out forever. ![]() ![]() ![]() In the Cross we rediscover the grace to rise up and ask, “How am I avoiding Christlike humiliation, suffering, and rejection? How am I rejecting, humiliating, and causing suffering for others? What in me must be confessed and crucified so that Christ may live through me?”ĭaniel Harrell is editor in chief of Christianity Today.In addition to symbols of white supremacy, many of the rioters at the Capitol on Jan. The liturgy of penitence-“pride, hypocrisy, our self-indulgent appetites and ways, our exploitation of other people”-feels more real with all that has happened this past year. Lent commenced on Ash Wednesday with a call to confess and be crucified. True for Christians of color, but true for white Christians too. The Cross bears its strange fruit in an inexplicable capacity to rise above hatred, prejudice, and injustice with genuine love and joy. This is not “liberal” Christianity this is biblical Christianity. To be chosen, in this perspective, means joining company not with the powerful and the rich but with those who suffer. The lives of his disciples have been signed with that cross. Chosenness, as reflected in the life of Jesus, led to a cross. Divine election brings not preeminence, elevation, and glory, but-as black Christians know all too well-humiliation, suffering, and rejection. Raboteau rightly noted:Īfrican-American Christians perceived in American exceptionalism a dangerous tendency to turn the nation into an idol and Christianity into a clan religion. Suffering-servant Christianity has stood as a prophetic condemnation of America’s fixation with power. Jesus came to earth as the Suffering Servant. Nonwhite Christians, historically bereft of power and abused by it, embrace a Cross that has always meant victory through death, be that dying to old sinful selves, for the sake of righteousness, or as the extreme expression of love. They downplay, and even scorn, the Cross that crucifies our ongoing failures and refusals to love sacrificially as Christ loved us (John 15:12–13). But this is a difficult teaching for Christians accustomed to power, many of whom embrace the victorious Cross as validation. The only cure is crucifixion-the reason Jesus calls us to carry our own crosses and the reality experienced by Paul (Gal. And once we stop needing grace, we stop giving it too. Formerly sinners humbled by grace, we easily warp into do-it-yourself saints who don’t need grace anymore. But hiding and gilding only give church leaders center stage, all polished and proud, and confuse fame and fortune for righteousness. Other churches gild crosses to showcase the prosperous Christian life. Contemporary churches hide crosses out of concern for offense or irrelevancy. Throughout history, we’ve misused the cross to sanction hostility toward perceived enemies and others, from the Crusades to Jim Crow and the Klan, to the Capitol steps this January. But victory has been swallowed up by those who distort the cross as a symbol of conquest. ![]() At the same time, the Cross that assures our salvation continually indicts us for our failures, forcing us to return and rely on the grace it provides. The Cross serves as a shot in the arm, injecting us with courage and conviction to live lives of goodness, compassion, sacrifice, and love. “We are those who have died to sin how can we live in it any longer?” (Rom. Grace is less a goal of the gospel than a goad to spur us on toward cross-shaped obedience. The Cross that assures our salvation continually indicts us for our failures, forcing us to return and rely on the grace it provides. To participate in Christ’s resurrection requires we share in his sufferings and become like him in his death (Phil. Crosses must still be carried (Mark 8:34). But our sure salvation in Christ is not permission to do as we please. ![]() Protestants note how our crosses hang vacant to signify God’s finished work and final victory. In our anxiety, we can bypass the Cross in a rush toward resurrection. They present a pernicious enticement to Christians who eschew the Cross. These words denote the exploitation of power and its destruction of deeply held values in our country. This year, Lent calls our attention to specific sins such as nationalism, supremacy, conspiracy, and celebrity. Lent draws us nearer to the Cross with practices like self-examination and repentance. In the shadow of two million coronavirus deaths worldwide (and counting) and the reverberations of an angst-ridden election and insurrection, self-examination and repentance prove essential this Lent, even for Christians who don’t observe it. ![]() ![]() ![]() The props must blend in with the environment by becoming any object and managing not to be found while the hunters must be attentive and only shoot at enemies or they will lose life. There are two teams, on the one hand those who hide (prop) and on the other those who hunt (hunters). Garry's Mod Prop Hunt - The classic hide and seek was taken a step further with this game mode known as Prop Hunt or Prop vs Hunters.Garry's Mod Trouble in Terrorist Town - The first game with impostors or traitors was not Among Us, Trouble in Terrorist Town already implemented this in its game mode in which a group of terrorists will be randomly assigned traitors or innocents, having to survive traitors and finish them off before it's too late.But, it is the online multiplayer mode that has made Garry's Mod famous and the multiple game modes that took the Gmod experience to another level. Therefore, in Garry's Mod we find ourselves with a sandbox game (open world) in which a player can generate characters and interact with them thanks to the tool gun. These are the ones that you will find on our website, being able to live your own Adventures of Prop Hunt or Trouble in Terrorist Town of Gmod. But its famous game modes have made a name for themselves in the world of video games and have been replicated in many online mini-games. The base game of Garry's Mod does not have objectives or a story to follow, it simply drops us into a completely free world where we can manipulate all objects without restrictions. The best of Garry's Mod has arrived on our page for fans of this video game to enjoy to the fullest. The most famous game modes within Gmod are Trouble in Terrorist Town or Prop Hunt, which you can find in its free version on our website. The game has been updated regularly and is marketed on the Steam page. The first version of Garry's mod was born in 2006 and until 2015 new versions have continued to come out. In its beginnings, elements from games like The Orange Box and Left 4 Dead were used, later it would become an independent game with its own content. Garry's mod, also known simply as Gmod, is a fun sandbox game that lets you experiment with physics and manipulate objects. Enjoy your favorite game modes on our website. You will be able to enjoy the Gmod games of Trouble in Terrorist Town or the classic Prop Hunt among many others. Garry's mod, refers to a popular search on our website with about 10 related games to display ![]() ![]() ![]() “A reasonable range for a mutual fund expense ratio depends primarily on whether the strategy is active or passive,” says Miko. For passively managed funds, the average expense ratio was 0.13% in 2019. ![]() Its 2019 Annual Fee Study found the average expense ratios for open-end funds (funds that don’t limit the amount of shares investors can buy and sell on-demand) have nearly shrunk in half from 0.87% in 1999 to 0.45% in 2019.Īmong actively managed funds, the average expense ratio in 2019 was 0.66%. “Mutual funds, on the other hand, can be both passive or active, so the expense range can vary a bit.”Īccording to Morningstar, expense ratios for both ETFs and mutual funds are trending downward. “The majority of ETFs are passive, index-based funds, which inherently have a lower expense ratio due to lower operating costs,” says Miko. Net expense ratio is the actual cost you’ll pay as an investor to hold shares of the fund after you receive the benefit of fee waivers and reimbursements.Įxpense ratios vary widely, depending on the investment strategy used by the fund.Investors don’t need to worry about this number if there’s a net expense ratio listed. Gross expense ratio is the percentage an investor would be charged without fee waivers and reimbursements.The difference between these two figures has to do with some of the incentives fund companies use to attract new investors through fee waivers and reimbursements. You may see both a gross expense ratio and a net expense ratio. Many online brokerages also have fund comparison engines that allow you to enter multiple fund tickers and compare their expense ratios and performance side by side. If you use an online brokerage, you can usually find a fund’s expense ratio using the platform’s research tools. A prospectus is a document that outlines key information about ETFs and mutual funds, including investment objectives and fund managers. The Securities and Exchange Commission (SEC) requires that funds publish their expense ratios in their prospectus. You normally won’t be tasked with calculating expense ratios yourself, though, as they’re typically noted in fund documentation. Total Fund Expenses / Total Fund Assets Under Management = Expense Ratioįor example, if it costs $1 million to run a fund in a given year and that fund held $100 million in assets, its expense ratio would be 1%. How Expense Ratios Are CalculatedĮxpense ratios are calculated with the following equation: When you view the daily net asset value (NAV) or price for an index fund or ETF, the fund’s expense ratio is baked into the number you see. When you buy a fund, the expense ratio is automatically deducted from your returns. ![]() What’s important to note about all expense ratios is that you won’t receive a bill. At first glance, it might be hard to figure out how much that means you’ll pay each year, but Steve Sachs, Head of Capital Markets at Goldman Sachs Asset Management, says it’s easier to digest if you look at expense ratios in dollar amounts.įor example, if a fund had an annual expense ratio of 0.75%, it would cost “$7.50 for every $1,000 invested over the course of a year-that’s what you are paying a manager to manage a fund and provide you with the strategy you’re accessing,” Sachs says. How Expense Ratios Are ChargedĮxpense ratios are usually expressed as a percentage of your investment in a fund. ![]() If an actively managed fund employs high-profile managers with track records of success, you can expect it to charge a higher expense ratio.įor passively managed mutual funds and ETFs, which don’t actively select investments but instead aim to duplicate the performance of an index, the expense ratio covers things like licensing fees paid to major stock indexes-like S&P Dow Jones Indices for funds that track the S&P 500. This includes the labor involved in selecting and trading investments, rebalancing the portfolio, processing distributions and other tasks to keep the fund on track with its goals and purpose. “In the simplest terms, an expense ratio is a convenience fee for not having to pick and trade individual stocks yourself,” says Leighann Miko, certified financial planner (CFP) and founder of Equalis Financial.įor actively managed funds, the expense ratio compensates fund managers for overseeing the fund’s investments and managing the overall investment strategy. Expense ratios cover the operating expenses of a mutual fund or ETF, including compensation for fund managers, administrative costs and marketing costs. ![]() |
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