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The Primerica Household Budget Index™ (HBI™) is constructed monthly on behalf of Primerica by its chief economic consultant Amy Crews Cutts, PhD, CBE®. The HBI™ removes infrequently purchased or predictable expense items and focuses solely on the purchasing patterns of middle-income households, defined as those with incomes of $30,000-$130,000.Ībout the Primerica Household Budget Index™ (HBI™) While the Consumer Price Index (CPI) provides a comprehensive measure of inflation, it does not offer a clear picture of how the change in prices of necessities impacts middle-income households because it is weighted to include all income levels and aggregates expenses for rarely purchased items, as well as expenses for which households can plan.Ĭhart 3: Comparison of Measures of Inflation: Consumer Price Index versus HBI-weighted CPI for Middle-Income Households. There is not currently a consistent measure to track middle-income households’ purchasing power. “Middle-income households finally are pulling ahead, but the last 18-months of inflation has caused many to fall behind which accounts for the rising credit card debt we are currently seeing,” said Cutts. In line with this, if the pandemic and ensuing inflation would not have been a factor, the HBI™ today would be closer to 110%.Ĭhart 2: Inflation versus Growth in Earned Income for Middle-Income Households. Since the baseline of January 2019, the average middle-income household has cumulatively spent around $3,150 more than budget on basic necessities. “The July index illustrates how deeply middle-income households were affected by the recent period of high inflation in which their income gains fell behind the rising cost of living expenses,” said Amy Crews Cutts, Ph.D., CBE®, economic consultant to Primerica. “The principles we teach, coupled with this ongoing research, will help families in their efforts to achieve financial security.” “Understanding the purchasing power of middle-income households from month-to-month will make our guidance even more precise as we serve the financial needs of middle-income families,” said Glenn J. In July 2023, the index rose slightly to 97.5% from 97.0% in June 2023. Increasing inflation then caused the index to plummet. This means that compared to January 2019, households were in a stronger financial position to pay their monthly bills because wage growth outpaced the cost of everyday goods. This point in time reflects a recent “normal” economic time prior to the COVID-19 pandemic.īetween 20, the HBI™ results recorded steady gains in purchasing power for middle-income families, with a peak of 102.8% in November 2020. If it is under 100%, households may have to reduce overall spending to levels below budget, reduce their savings, or increase debt to cover expenses. The index uses January 2019 as its baseline. When the index is above 100%, this means middle-income households may have extra money left over at the end of the month that can be applied to things like entertainment, extra savings, or debt reduction. The HBI™ data is presented as a percentage. View the full release here: Ĭhart 1: Primerica HBI™ (Graphic: Business Wire) It also evaluates whether there are opportunities for middle-income families to save money or pay down debt versus use savings or increase debt. The HBI™ looks at the difference between the growth in earned income and the change in the costs for necessities like food, utilities, health care, and gasoline to understand how the current economy is impacting middle-income households’ ability to maintain a budget. (NYSE: PRI), a leading provider of financial services in the United States and Canada, announced today the release of its inaugural Primerica Household Budget Index™ (HBI™), a monthly index illustrating the purchasing power of middle-income households with incomes between $30,000 and $130,000. New monthly index shows middle-income families are seeing increased spending power, yet still recovering from previous 18-months of high inflationĭULUTH, Ga.-(BUSINESS WIRE)- Primerica, Inc. 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The core mechanic are the Action Cards: the Permanent Action Cards may be chosen as needed, but tend to have weaker effects compared to the Random Action Cards. Players in turn may play up to three of their hand cards, resolving any effects, before discarding cards or resources (each player may keep at most five units of any resource, eight with possession of a special building, at the end of the turn), if necessary. Afterwards, each player draws Action Cards from either their civilization's Permanent Action Deck (which is unique to each player, though each civilization has identical cards) or Random Action Deck (which is shared between players with the same civilization) until they reach a hand limit determined by their Age (with later ages increasing the hand limit). On each turn, players must allot three victory points to one of four special victory point cards: the "Largest Army", the "Most Buildings", and the Wonder, which are only claimed at the end of the game, or "Won the Last Battle", claimed during a player's turn. Unlike the video games, however, players play for victory points, which may be earned by winning battles, by trading resources for them, having the largest army at the end of the game, having the most buildings built at the end of the game, or by building the wonder.Īt the start of the game, each player is given an individual board, which is divided into two areas: the Production Area and the City Area, as well as a limited supply of resources, units, and production tiles, which are placed in the Production Area. Up to two players may play any given civilization (with additional parts, up to three players may play any civilization), and players are situated so that players playing the same civilization do not sit adjacent to each other.Īs with the video game, players must gather resources, build units, and attack other players. Like the video game it is based on, players control one of three civilizations: the Greeks, the Egyptians, and the Norse. Up to four players may play the game, but extra parts may be purchased from Eagle Games to allow eight players to play. Box art for Age of Mythology: The BoardgameĪge of Mythology: The Boardgame is a board game created by Glenn Drover based on the video game Age of Mythology. Cut (2) 4″ x 6″ photo mats and set aside. Cut a 1/2″ x 12″ strip from Canary Cardstock and save for the second page.I appreciate your purchases through my Creative Memories website link, and I offer a generous Customer Rewards Program. To create my layout above, I used materials from the 2023 NSD Kit with the Citrus Slice Border Maker Cartridge and Mandala Burst Border Punch. Some of our 2023 items are sold out, but the kit and a few other items are still available for purchase. In addition to the NSD Kit, CM usually offers accompanying cardstock, embellishments, and tools. To celebrate, Creative Memories releases a special National Scrapbook Day Kit each year. Happy National Scrapbook Day! It’s a day to celebrate our shared love of memory keeping and scrapbooking! Did you know that Creative Memories established the first National Scrapbook Day in 1994? It’s amazing to think about the number of photographs and family memories preserved in albums since that time! I appreciate your purchases and offer a generous Customer Rewards Program! You may purchase all of the tools and materials that I used for these layouts through my Creative Memories website link. I would also appreciate your subscription to my YouTube channel! If you click on the bell icon, you will receive a notification whenever I add a new video. This technique will work with any knock-out style border maker cartridge. I used the Set Up Camp Collection and the Chevron Arrows Border Maker Cartridge for this page. I used the same technique to create a second layout with some photos of hiking in the Great Smoky Mountains National Park. I then folded the paper on the perforation marks and used the Original Border Maker System with the Ancient Key Border Maker Cartridge to punch borders on both folded sides.įor full instructions and to see a step-by-step demonstration, please view my video on my YouTube channel. I turned the paper on it’s side and scored it again at 3″. I used the 12″ Trimmer with the Perforating Blade to score my paper at 3″. I also used the Monstera Leaves Border Punch and the Original Border Maker System with the Ancient Key Border Maker Cartridge. We even have a collection if you’ll be staying home this summer ( Staycation)!įor my first layout, I used the Tropic Time Collection to preserve memories from a Florida vacation. Regions and Cities: Wide Open Spaces, Florida, New York, Washington DC, and New Orleans International: United Kingdom, Italy, Mexico and Canada We have a general travel collection ( Wanderlust) but also many specific collections that cover so many different destinations. Below are just a few additional ideas for you.Īs we roll into summer, I’ve been playing with some of the Creative Memories collections that are great for scrapbooking vacation memories. You can use this technique with many other border punches and border maker cartridges. I also used pieces punched with the retired Palm Tree Border Punch and the Original Border Maker System with the NEW Dolphin Border Maker Cartridge. These are all current items that are available through my Creative Memories website link.įor my second layout, I used paper, stickers and letter stickers from the current Tropic Time Collection with White Cardstock. My border includes pieces punched with the Polar Bear, Friendly Fish and Cardinals Border Punches and strips cut with the 12-Inch Trimmer with Wave Blade. I also used the NEW White Memories Tabs as spaces to journal. I included punched pieces from cardstock and small strips cut with the 12-Inch Trimmer and Wave Blade.įor step-by-step instructions, please view my YouTube video.įor the layout above, I used paper and a few stickers from the Leave Nothing Behind Collection, Hot Fudge Cardstock and Brown Serif ABC/123 Letter Stickers. To create my borders, I started with 2″ x 2″ squares and made small cuts and folds. You can use three pieces from one punch or cartridge or mix and match using two or three as I did. I also love to share different ways to use Creative Memories punches and border maker cartridges! For these borders, I used small, punched pieces to peek through the openings of my borders. But it’s really larger pieces that are folded to reveal the backside of the paper. At first glance, it may look like a lot of small pieces to cut, adhere and keep straight. I love to share scrapbooking techniques that may look complicated but are actually easy to do! And the border idea that I’m sharing today is one of those techniques. Photography reflectors are essential tools to manage any available light source and impact your subject and exposure. These don’t fold down and are best for studio settings where you don’t have to move them around. Much like a pop-up tent or sun shelter, the reflector frame allows you to fold down the reflector into a smaller shape that fits in a pouch.Īs a result, these are ideal for travel and storage for photographers on the move.īoards and bounce boards are stiffer and made from durable cards or core-board. Most reflectors feature a soft reflective coated material held in shape by a flexible frame. Triangular reflectors are great for photographers capturing headshots. Their triangular shape makes it easier to hold one-handed and point the reflector directly at the subject. Triangular – Triangular diffusers are often smaller and more compact.Their elongated height allows for light to be directed to the full body of a model. Rectangular – Rectangular reflectors typically come in larger sizes and are ideal for full-body portraits and group shots.They come in various sizes and typically fold down into a compact form for storage and transport. Round – The most common reflector shape is round.The most common size is 42,” and it’s recommended for ease of use and coverage of most subjects. However, if you’re always on the go and have to travel with your kit in a bag, a small 30″ reflector would suit. If you shoot full-body outdoor portraits or groups shots, then a larger 50″ photography reflector is ideal. So what size photography reflector is best? Reflectors come in all different shapes and sizes – choosing the right one depends on your shooting style and how much light is available. The sheets work much like a photography backdrop as they attach to a backdrop stand or frame. Sheets – Many photographers and videographers will often use a reflector sheet to direct a lot of light.Board reflectors are also known as flats, planes, and bounce boards. Board – Board reflectors are flat, stiff boards that bound the light towards a subject.Rather than reflect light, you shoot a flash through the diffuser to soften the light. Diffuser – The diffuser reflector is also known as translucent and is usually a milky white material.These are typically made from a soft and flexible material. Reflector – The most common type of photography reflector is, of course, one that reflects light from the sun or artificial light sources.Other combination reflectors feature slip-on covers to replace the reflective surface with silver, gold, black, and white. There may be gold on one side and silver on the other. Combination – A combination reflector will typically feature at least two different reflector colors.The translucent material is ideal for firing a flash or speedlight through and creating a soft light. Translucent – The translucent reflector doesn’t actually reflect light – however, many reflector kits include one.That way, the warm and cool light is directed to the subject. Zebra – A zebra reflector features stripes of two colors, such as gold and silver.A silver reflector is used outdoors to direct sunlight onto a subject. Silver – A silver reflector is a common choice as it reflects the light towards a subject without overly changing the temperature of the light.Gold can be used indoors or outdoors to cast a golden light on a subject. Gold – A gold reflector is a common choice for portrait photographers that want to add a sun-kissed look to photos.Black – Why would a photographer use a black reflector? The truth is that black surfaces are ideal for portrait photography to cut down highlights and cast more shadows on areas of the image.A white reflector bounces a good amount of light without causing excessive contrast in your photos. White – When people ask, “What is the best light reflector?”, I generally answer that it all depends on your style of photography – but for all-around use, a white reflector is best.Let’s take a look at the common colors so you know how to choose the best one for you. If you walk into a camera store or shop online, it’ll become evident that there are different colors of photography reflector available. Colourįor those new to using these, it raises the question: what colors are good reflectors? Here are the 5 key things you need to consider when choosing a photography reflector. House Republicans wanted changes, such as allowing elective medical and dental procedures again and certainty on the date she plans to reopen the economy on a regional basis. Whitmer’s stay-at-home order, the strictest in the US, is in effect through May 15. Lots of Michigan State Police and House sergeants at arms blocking door. Protesters, many from more rural parts of Michigan, have argued it has crippled the economy statewide even though the majority of deaths from the virus are centred on the southeastern Detroit metro area. They also said Whitmer’s stay-at-home order violated constitutional rights, and urged people to open their businesses on May 1 in disregard of her order. Other speakers at the “American Patriot Rally,” which had different organisers to the mid-April protest, questioned the deadliness of COVID-19, the disease caused by the coronavirus. Let’s make sure there are jobs to go back to.”Īt the MI Capitol /IuYoBhstIg Open this state,” Mike Detmer, a Republican candidate for US Congress told the crowd. “Governor Whitmer, and our state legislature, it’s over with. The slow reopening of state economies around the country has taken on political overtones, as Republican politicians and individuals affiliated with Trump’s re-election promoted protests in electoral battleground states such as Michigan. It was one of the country’s first major anti-lockdown rallies and helped sparked a wave of similar events nationwide. The protest appeared to be the largest in the state since April 15, when supporters and allies of President Donald Trump organised thousands of people for “Operation Gridlock”, jamming the streets of Lansing with their cars to call out what they said was the overreach of Whitmer’s strict stay-at-home order. I have never appreciated our Sergeants-at-Arms more than today. Some of my colleagues who own bullet proof vests are wearing them. The crowd shouted, “Let us in” while mask-wearing sergeants and state police blocked them.ĭemonstrators were allowed in the state Senate, which has fewer members and remained in session to also authorise legal action.įirearms have been legally allowed in the Michigan state Capitol building for some time.ĭirectly above me, men with rifles yelling at us. The protests came as state legislators debated a measure refusing the governor’s request and voted to authorise a lawsuit challenging her authority and actions to combat the pandemic.Īt one point during the legislative deliberations, dozens of protesters – many without face coverings and some with rifles slung around their chests – entered the Capitol and demanded to be let into the House chamber, which was closed to the public to allow room for representatives and reporters to spread apart. Hundreds of angry protesters, some carrying firearms, gathered at Michigan’s State Capitol in Lansing on Thursday to protest against Governor Gretchen Whitmer’s request to extend the state of emergency to combat the coronavirus pandemic. You can leave this dough in the fridge for up to 72 hours, which is great because you can bake a new batch of cookies everyday! They are AMAZING right out of the oven.Beat in the egg, the pumpkin pure and vanilla extract until blended. In a large bowl, with an electric mixer on medium, beat together the butter and sugar until fluffy, about 3 minutes. There are no good substitutions for bread flour, sorry! Have to buy bread flour. In a medium bowl, whisk together the flour, ginger, cinnamon, nutmeg, baking powder, baking soda and kosher salt.1 cup of cake flour = 3/4 cup sifted all purpose flour plus 2 tbsp cornstarch ( Joy of Cooking).If you don’t have cake flour, you can make the following substitution:.I didn’t use the chocolate disks, I used 2 cups of regular (semi-sweet) chocolate chips.BUT I found even this was too much salt.So for this recipe it would be ~1 1/2 tsp coarse salt = 3/4 tsp table salt Make baking cookies a whole family affair with this fun recipe.So the general rule is use 1/2 the amount if you are using table salt. Table Salt. Coarse salt, which is also referred to as Kosher salt, has larger granules than table salt. When they are done, remove them from the oven and transfer them to a wire rack, letting them cool for about 10 minutes.We like them chewy and soft, so start checking them at around 16 minutes. The longer you bake them, the harder they are. Scoop the cookie dough into golf ball sized chunks on to the cookie sheet.This will help to prevent burnt bottoms and the cookies come off so easily. Line a cookie sheet with parchment paper.When you are ready to bake them, preheat your oven to 350 degrees.Now you have to do the hardest part.chill the dough for at least 24 hours! Just press on some plastic wrap against the dough, and refrigerate for at least 24 hours.Add the chocolate chips, and stir by hand.Mixing slowly, or you will have flour flying everywhere! Mix just to combine. Then add the dry mix to the sugar/egg mix.Then add the eggs one at a time (mixing the batter well between each egg) to the sugar mix.In a separate bowl, cream together the sugars and butter.Reduce speed to low, add dry ingredients and mix until just combined, 5 to 10 seconds. Add eggs, one at a time, mixing well after each addition. This principle of the Doppler effect applies to light as well as sound.Īmerican astronomer Edwin Hubble (who the Hubble Space Telescope is named after) was the first to describe the redshift phenomenon and tie it to an expanding universe. Whereas then the ambulance goes past you and moves away, the sound waves are spread across an increasing distance thus reducing the frequency you hear so the pitch seems lower. As the police car travels towards you the number of waves is compressed into a decreasing distance, this increase in the frequency of sound waves that you hear causes the pitch to seem higher. It is all relative as the siren's frequency doesn't change. This apparent change in pitch to the observer is due to sound waves effectively bunching together or spreading out. We've all heard how a siren changes as a police car rushes past, with a high pitch siren upon approach, shifting to a lower pitch as the vehicle speeds away. The Doppler Effect was first described by Austrian physicist Christian Doppler in 1842 and many of us experience the Doppler effect firsthand almost every day without even realizing it. The concept of redshift and blueshift is closely related to the Doppler effect - which is an apparent shift in soundwave frequency for observers depending on whether the source is approaching or moving away from them, according to the educational website The Physics Classroom. Redshift, blueshift and the Doppler effect You only need to be this powerful when your child has already shown that he has no respect for your instruction to stay in his room. You can tie it to the next door or, even better install a small bolt sufficiently high up so that you can’t be locked in! Your child is not taking any notice of your requests to behave and obviously doesn’t believe that you mean he must stay in his room.Įscort him to his room and shut the door and secure it in some way. It is important to recognize here that you are dealing with serious non-compliance. Then we’ll discuss ballet.’ But they keep coming out! ‘First, please take your lunchbox to the kitchen. ‘Mum, do you know if I have ballet this afternoon?’ Show her you still have in mind your original request. Sometimes your child will need to check to see if you still mean it. Your child experiences the emotional distance and decides to comply. You now go quietly about what you need to do. Sometimes all you need to do to gain compliance is to shut down. Time Out is an attitude – a state of mind. Although the place is the same, my attitude is so different, as I emotionally distance myself from his behaviour, that it might as well be a different planet.Īny safe spot will do, if you have any concerns about using a cot or a bedroom, a step, or a corner. When my toddler is being cheekily defiant or deliberately obstructive, I scoop him up and place him in his cot. When I put my toddler to sleep in his cot, I am loving, soothing and full of emotional support “kiss for Mummy, goodnight teddy, goodnight Daddy. I favour a cot because it is safe and easy on my back. Once you get to her bedroom, comment along the lines of, “You know you’re not allowed to push your brother.” Leave her in her room and walk out saying, “I’ll be back to check if you’re ready to behave.” Where do I put them for Time Out?Ĭhoose any spot where your child is safe and cannot get out. You don’t need to say why – you both know her behaviour was inappropriate. You simply pick your toddler up and put her in her room. The toddler walks past and pushes him over. The baby is sitting quite peacefully on the floor, playing. Fairly soon you hear a little voice saying, ‘Up, Up.’ No need to explain Your child doesn’t like the emotional distance and has ‘changed his mind’ and decided to do as you asked. For example, you want your 18 month–old to sit in his highchair, but he decides to run away, saying ‘No’, wanting to play or he arches his back and struggles. The lightest form of Time Out is when you simply get preoccupied and wait. Mastery of “the look” can start with some children as soon as they can crawl, while others will be as old as 18 months. What are you going to do about it?” And if this is accompanied by a challenging eye and/or cheeky smile, then they are giving you “the look” and are ready for discipline. When your child’s body language says “I know I am not supposed to be doing this. We want a child who has decided not to bite. Provided they can tolerate the Time Out, they are free to bite their brother. They can choose to hurt their brother and then take the punishment. Remember, when we say, ‘if you bite your brother, you will go to Time Out’ then it appears as if we are giving our child a choice. Then move on to the ones that happen regularly throughout the day, such as holding still while you wash their face, help them dress or change their nappy. Which behaviours are you not prepared to tolerate? Begin with the ones that hurt, like pinching, hitting, biting, shoving and pulling hair. You can walk away knowing your child is safe, and busy coming to terms with the fact that nothing much else is going to happen in their lives until they are willing to do as they are told or stop behaving in a certain manner. It is to provide a quiet, safe space for a child to wrestle with the issue of wanting to do things his way versus the need to be part of the family. Thus the purpose of Time Out is not to punish a child. Time Out is effective because of children’s need for parental support and because, instead of children battling with their parents, they wind up battling with themselves (’I don’t feel like doing that but it looks like I’m stuck here till I do!’). In recent times, this has become know as “time out”. Similarly, when our children refuse to do as they are asked, or refuse to stop doing something they have been asked to desist from, they need to be sidelined from the family team until they see it their parent’s way. This gives them a clear message that this behaviour (whether it’s hitting, biting, spitting or scratching, to name a few) will not be accepted. What is Time Out?įrom time immemorial, children have been sent to their rooms when they have misbehaved. Parenting expert Diane Levy writes about Time Out as one of many effective behaviour strategies for disciplining young children, and how to use this behaviour technique effectively to discipline your 1, 2, 3, 4 year old and older child. |
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