![]() Portfolio Manager - Innova Wealth Management of ACPI. When not working with clients, Cliff can be found either spending time with his wife and children, enjoying a round of golf or game of tennis with friends, or volunteering in his community. He also holds the Chartered Investment Manager designation which allows him the rare distinction of acting as both a registered Portfolio Manager but also as a true fiduciary of his clients’ best interests.Ī specialist in tax effective debt repayment, wealth accumulation, and insurance strategies, Cliff works primarily with affluent business owners, professionals, and families helping their money work harder for them. Since 2008 he has held the sought-after Certified Financial Planner designation, the industry’s gold standard in financial competence, knowledge and professionalism. Helping clients achieve their financial peace of mind and simplify their already complex lives are just a few of Cliff’s passions.Ī lifelong native of Sudbury, ON, for the past over decade Cliff has been advising clients on a wide spectrum of financial issues and strategies. ![]() Richardson Partner, Insurance and Advanced Planning Lead He is equally passionate about his community, serving on multiple boards and chairing the Golf Marathon Sudbury, which has raised more than $250,000 to the benefit of charities benefitting underprivileged youth.Ĭliff B. He published several travel columns as the 'Northern Nomad' for a local newspaper. He loves to learn more about the world and share his experiences. J-F now serves as Chief Investment Officer at Innova, helping to oversee more than $300 million in investable assets.Īn avid traveler, he has backpacked to more than 30 countries. That same year, he published his first book 'Divide & Conquer' a financial blueprint for entrepreneurs. A true believer in 360 degree financial advice, all the pieces were now in place for the business to grow.Īs the investment needs of his clients grew in complexity, J-F responded by transitioning the business to include full-service securities management and became a Chartered Investment Manager (CIM) in 2016. With the goal of providing comprehensive advice on all financial matters, J-F broadened the service offerings to include retirement planning, income tax preparation, mortgages and insurance. It was at this time that Innova Wealth was born. ![]() Furthering his education, he completed the Canadian Insurance Course in 2011 and earned his Certified Financial Planner (CFP) designation in 2012, the industry’s gold standard in financial competence, knowledge and professionalism. Recognizing his achievements, he was offered a teaching position at Laurentian University where he lectured in 2011. In an attempt to better understand the markets following the 2008 financial crisis, J-F completed a Master's in Business Administration degree authoring a thesis on Tactical Asset Allocation in 2010. Under the mentorship of a successful advisor, he learned the importance of preserving capital in down-markets and factoring taxes into all investment decisions. Jean-François Démoré Founder, Managing Partner, Chief Investment OfficerĪfter earning an Honours Bachelor’s degree in Commerce and Computer Science (HBCCS), J-F began his career in the financial services industry in 2005.
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![]() ![]() Our large, screened porch with two ceiling fans is perfect for rocking, dining, playing games, napping, or listening to music (and it's big enough for everyone). The cottage has central AC and heat, but you may end up not using the AC, as the cool breeze off the lake feels fantastic! A gas log fireplace is there to warm you up in the chillier months. There is a full kitchen with a drip coffee maker, microwave, crockpot … just about everything you need. We have board games, puzzles, and a foosball table for rainy days and family time. Our large dining table seats 10, and nearby bar stools seat two more. There are three full bathrooms, equipped with towels, soaps, and shampoo. All linens are provided, along with additional blankets for chilly nights. The Enchanted Cottage has four bedrooms, each with a queen-sized bed, plus two twin beds in the downstairs rec room. The Enchanted Cottage has arguably the best views on the lake, overlooking the main channel to the Rumbling Bald Ridge across the lake, and the filming spot of the infamous water lift scene from Dirty Dancing. ![]() The indoor living space will make you feel right at home, but the real magic happens when you step out onto the screened porch and greet the beautiful Lake Lure! Situated less than 15 feet from Lake Lure on the Main Channel, this classic lakefront house features mountain ranges so close you feel a part of them, porches on three levels (one screened), a fire pit, dock, kayaks, a canoe, and our pontoon boat. If you are a Realtor, Agent or Broker, Lakehouse is the perfect place to advertise your client's water front properties because we can connect you with millions of buyers that visit our website.Banjoe Vacations welcomes you to Lake Lure! Leave the world behind as you ride the funicular (electric tram) down to The Enchanted Cottage. Find a Lake Realtor, Agent, Broker or Realty within our listings to help you locate the perfect recreational property. is a nationwide advertising service for lake properties, weekend homes, retirement homes, second homes, vacation homes, waterfront homes, lake lots, land, acreage, lake view properties, lakefront cabins, lakeside cottages, condos, log homes, riverfront, lake access, lake area homes, lake shore or any type of real estate for sale on public and private lakes, reservoirs and rivers all over the United States and Canada.īuy and Sell lake houses on. LAKE HOMES AND LAND FOR SALE IN ALL 50 STATES: Seven Lakes - Number Two / Lake Sequoia (2).Moss Lake/Kings Mountain Reservoir (17).Intracoastal Waterway - Pender County (7).Intracoastal Waterway - Onslow County (1).Intracoastal Waterway - Currituck County (1).Intracoastal Waterway - Brunswick County (11).French Broad River - Transylvania County (1).French Broad River - Madison County (2).Cape Fear River - New Hanover County (12).Cape Fear River - Cumberland County (1).Whether it's a quiet lake in the mountains, an adventurous lake for popular water sports and family fun, or a peaceful retreat near the coast, North Carolina has lake property that is right for you! Popular fish found in North Carolina's lakes include largemouth bass, pike, muskie and walleye. The state is home to more than 30 state parks many of which are located on or around state lakes, with ample opportunity for camping, boating and fishing. Nature-made lakes are generally more shallow and are often protected by wildlife refuges. There are natural lakes in North Carolina, too, near the eastern, Atlantic coast. North Carolina is home to more than 50 lakes, ranging from the vast 520 mile shoreline of Lake Norman, to tiny Wolf Creek Lake tucked away in the Smoky Mountains. Find real estate agents who specialize in North Carolina lake property to help you buy or sell a lake home. Discover the best lakefront listings in North Carolina - houses, properties, land, and acreage. ![]() Be sure you know the best methods for how to find diamonds in Minecraft to save yourself some time. ![]() Remember that you’ll need to have at least diamond gear in order to upgrade to netherite. ![]() ![]() This new system is the same for the Bedrock and Java editions. That covers how to make netherite armor in Minecraft 1.20. It will then transform the gear into netherite grade. You’ll be placing it into the far left slot, with the gear in the middle, and your ingot in the right slot where redstone, copper, emerald, quartz, or so on would be placed if you were changing the colour of your armor trim. Once you’ve found a netherite upgrade smithing template, place it into a smithing table alongside your chosen piece of diamond armor or gear and your netherite ingot. They aren’t exceedingly rare, so chances are you’ll be able to find at least one in the decaying strongholds of the Piglins. They will have a set percentage chance to spawn inside any chest in these structures that you open. The netherite upgrade templates can be found exclusively in the Nether, inside Bastion Remnant structures. Much like Minecraft armor trims, you’ll be able to find netherite upgrade templates in naturally spawning structures. Where to find netherite upgrade smithing templates Much like the new armor trim smithing templates for helmets, chest pieces, legs and boots, these are uncraftable items you’ll have to go out and find. The new step, though, is to collect a netherite upgrade smithing template. The recipe for this is four netherite scrap with four gold ingots combined in a staggered line in a crafting table. Much the same as previously, you’ll first want to smelt ancient debris, and then make a netherite ingot. This extra step is the linchpin to making netherite gear in Minecraft now, pushing players to explore and interact with their worlds in new ways. To make netherite armor in Minecraft 1.20, you’ll need to combine your gear with a netherite smithing template at a smithing table. Once you’re set up with this change though, be sure to explore some of the brand new features, like the Minecraft sniffer and the Minecraft camel, two great new mobs that have come to the game. In this guide, we’ll cover how to make netherite armor and tools in Minecraft 1.20, explaining the changes that the update brings to the system. But turning diamond tools, weapons and armour into netherite in 1.20 no longer works the same way that it used to. Wondering how to make netherite armor in Minecraft 1.20? The long-anticipated release of Mojang Studio’s Minecraft Trails and Tales update is finally here.
I’m expecting to at least enjoy/appreciate Joker, but that’s so disconnected to the broader brand that it’s not really an issue if I don’t. I ended up kinda-sorta enjoying Justice League while Wonder Woman, Aquaman and Shazam! were various levels of “excellent.” After all, Suicide Squad was the last DC Films flick that I outright disliked. That film didn’t turn out so great, all due respect to folks who worked their butts off in the pursuit of artistic excellence, but I’m a bit more hopeful this time around. Product ID: 13212362 DC Comics Birds Of Prey Harley Quinn Movie Poster T-Shirt Lightweight 100 combed ring spun cotton Wash cold dry low Imported Listed. It’s at least as goofy/creative as that Suicide Squad-as-breakfast cereal poster from three years ago. First Birds of Prey Poster Reportedly Revealed Fans recently got their first look at Birds of Prey (And the Fantabulous Emancipation of One. ![]() Come what may, those who (often correctly) complain about a lack of imagination in modern poster art should take a liking to this one. The poster’s visual gag is essentially a cast roll call via a “cuckoo” Harley Quinn, unless the notion of her seeing people with wings instead of a bunch of stars circling her head is a deep dive Who Framed Roger Rabbit? reference. That make be a fluke of scheduling, but if audiences are mostly going to spend their moviegoing dollars on MCU/DC superhero flicks, then it’s that much more important that they offer a little more behind-and-in-front-of-the-camera diversity. contacted Screen Rant to say this is just a look at the official title treatment on a CineEurope standee, not an official teaser poster. Over on the MCU side, Cate Shortland’s Black Widow, starring Scarlett Johansson, kicks off the summer on May 1, while Chloé Zhao’s The Eternals, starring Angelina Jolie, Richard Madden, Salma Hayek, Kumail Nanjiani, Kit Harrington and Gemma Chan, among others, opens November 6. The first teaser poster for Birds of Prey (And The Fantabulous Emancipation of One Harley Quinn) confirms the film's Easter egg-filled logo. Patty Jenkins’ Wonder Woman 1984, which pits Gal Gadot’s Wonder Woman against Kristen Wiig’s Cheetah, opens June 5, 2020. The 2020 film released its first poster today, which features a dazed looking Quinn surrounded by small, winged versions of the movie’s cast. ![]() ![]() Considering the featured imagery, I wouldn’t be surprised if such a DC Comics-based film ends up being a complete mess. As in Birds of Prey and the Fantabulous Emancipation of One Harley Quinn, the upcoming DC movie in which Margot Robbie returns to the role that made her a DC Extended Universe star. Birds of Prey stars Margot Robbie (as Harley Quinn, Mary Elizabeth Winstead as Huntress, Jurnee-Smollett-Bell as Black Canary, Rosie Perez as Renee Montoya, Ella Jay Basco as Cassandra Cain and Ewan McGregor as Black Mask. Birds of Prey Movie Poster (Image: birdsofpreywb) A new poster for the upcoming Birds of Prey (and the Fantabulous Emancipation of One Harley Quinn) movie has been released. ![]() Finally, combat is an integral part of RimWorld, and you’ll need to know how to equip your colonists and defend your colony from a range of threats, from raiders and bandits to manhunting animals and mechanoid attacks. You’ll also need to learn how to balance the needs and desires of your colonists, who will have their own personalities, skills, and quirks that can affect the colony’s success. Understanding how to manage your resources, prioritize tasks, and deal with emergencies will be crucial to your survival. RimWorld is a game that rewards careful planning and strategic thinking. This chapter will cover the core gameplay concepts, including resource management, temperature and weather, mood and mental health, and combat. Once you have created your colony, it’s time to dive into the game’s basic mechanics. Choosing the right difficulty level and scenario for your playstyle is key to enjoying the game and learning its mechanics. RimWorld offers a range of difficulty levels, from the relatively easy “basebuilder” mode to the punishing “extreme” mode, which will challenge even the most experienced players. This chapter will cover the basics of creating a new game, selecting your starting conditions and characters, and understanding the different biomes and scenarios available. Setting Up Your First Colony in RimWorldīefore you can start playing RimWorld, you need to set up your first colony. From building a sustainable colony to defending it from raiders and wild animals, every decision you make will have consequences for your survival and the fate of your colonists. In RimWorld, players must manage a group of survivors stranded on a distant planet, facing a range of threats and challenges along the way. Developed by Ludeon Studios, RimWorld has gained a large and dedicated following since its initial release in 2018, thanks to its deep gameplay mechanics, open-ended storytelling, and immersive world-building. RimWorld is a complex and challenging game that combines elements of base-building, survival, and strategy in a unique sci-fi setting. Trading and Interaction with Other Factions.I am here to tell you that with a bit of knowledge and patience, this game might be your new favourite colony-building space opera. However, as RimWorld is so MASSIVE, it’s easy to feel overwhelmed and give up. This game is a true gaming gem and despite its rather basic graphics, the game itself is just so enjoyable and can be played in so many ways. ![]() I was lucky enough to review Rimworld on Xbox many months ago and since then have been addicted to the crazy narratives and addictive colony-building. “Over the last few years attackers realized that instead of going through these elaborate hacks – phishing for passwords, breaking into accounts, stealing information, and then selling the data on the internet’s black market for pennies per record – they could simply target individuals and businesses and treat them like an ATM,” says Brian Beyer, CEO and founder of enterprise security firm Red Canary.Īccording to Symantec, the average ransom paid doubled from just under $300 in 2015 to $679 this year. If victims don’t pay up in time, the files are destroyed. ![]() The malware, which accounts for nearly 60% of all infections, according to research firm Malwarebytes, then displays a screen demanding hundreds of dollars. The online crooks’ weapon of choice: crypto-ransomware, which encrypts all the data files on a user’s machine, making them inaccessible. ![]() Many are simply uninterested or not up to the task.Īdd up all these factors, and the question becomes not why many consumers are losing confidence in the internet, but whether they should have any confidence at all. As we conduct more of our lives online, we’re being asked to become increasingly savvy about computer security. That may be good news for the cybersecurity industry, which is expected to grow more than 10% annually and surpass $200bn worldwide by 2021, according to research firm Markets and Markets.īut it’s bad news for the rest of us. ![]() There’s no lack of things to be worried about: organized cybercriminal gangs government surveillance not to mention hack attacks from nation states. ![]() The universal travel adapter wall charger is not used to power appliances with high watt usage. Are there any appliances that should not use the adapter?.However, this use of this adapter is mainly to power your CPAP machine. Small power electrical appliances like phones, chargers, tablets, and mp3s can use the adapter. The universal travel adapter wall charger can charge many appliances as long as it is within its rated power. Can the adapter charge other appliances other than the CPAP machine?.This adapter is also used to charge laptops, iPads, speakers, and headphones. You can charge your phone and tablet at the same time powering-up your CPAP machine. Dual USB port: The dual USB port in the travel adapter wall charger lets you charge multiple devices simultaneously.An LED light is present in this light-indicator. The light comes on when the switch for the outlet is on. ![]() Power-indicator light: The power-indicator light helps you to find your universal travel adapter wall charger when it’s charging any appliance.The use of these shutters is prevalent in families with toddlers. It prevents any foreign object from entering the universal travel adapter wall charger. Safety shutters: The shutters are built-in for your safety.The reduction of this noise is important because it can cause interference in other devices. This noise is mainly present in the power and signal lines. EMI/RFI filter protection: This filter helps moderate the high frequency of electromagnetic noise. ![]() The clamping voltage of the universal travel adapter wall charger is 775 Volts. Clamping voltage assures the safety of the device. The level at which the surge protector restricts the flow of voltage is clamping voltage. It limits the voltage supplied by shorting or blocking any voltage above the safe threshold.
![]() The maximum pressure listed on the sidewall is generally too high-plus, it doesn’t take into account any factors that influence your tire pressure, such as rider size and terrain. The general bias is almost always to overinflate. And if you’re a mountain biker who rides to the trailhead, keep in mind that while your bike rolls smoothly on the road with 40 psi, it might feel better on the singletrack at 20 psi. In wet conditions, you may want to run 5 - 10 psi less than usual for improved traction. On new pavement, your tires might feel great at 100 psi, but on a rough road, they might roll faster at 90 psi. Overinflated bike tires transmit impacts to the rider, which sacrifices speed and riding comfort. Properly inflated bike tires conform to bumps and absorb shocks. Traditional wisdom says that higher tire pressure equals lower rolling resistance because, on a smooth surface, hard tires flex less and create a smaller contact patch. Tire pressure isn’t a set-it-and-forget-it thing. Steel construction, dual head, 160psi max. The important thing is to develop and stick to a habit of regular checkups and top-offs that works for you-if you don’t, your pressure is probably wrong most of the time you ride. Some of us at Bicycling check out tire pressure before every ride, some once a week. And the rate of loss increases with pressure and in reaction to outside factors like lower temperatures (about 2 percent vanishes for each 10-degree dip in Fahrenheit). But air seeps out of all tires, from as little as a few psi a week to drastic drops overnight. ![]() A properly set up tubeless tire, and tires that use butyl tubes (the most common type), leak far less than lightweight latex tubes. If there is a discrepancy between the two, we recommend going with the lower number. Never go above or below the manufacturer’s recommended tire pressures, which are listed on the sidewall as well as on the rims. Zipp's calculator generally gives a lower tire pressure recommendation (compared to Silca's) and has a specific option for hookless rims, which have much lower 72.5 psi maximum tire pressures than traditional hooked rims. The Zipp calculator, on the other hand, allows much more precise inputs for things like inner rim width as well as the type of rim you are using. For example, the Silca calculator allows you to very precisely select speed and surface conditions ranging from an indoor track all the way to Category 4 Gravel. SilcaĪs you can see, each will deliver a slightly different pressure recommendation and for the most part, I would recommend splitting the difference between them for a good starting point.īecause both calculators ask for slightly different information, one might be more accurate to your situation than the other. Here is Silca’s recommendation for the same rider. Then they'll spit out a tire pressure recommendation based on your inputs. The two best options, that I've found, are calculators from Zipp and Silca.īoth of these calculators will ask you for some basic information such as your combined weight with your bike and gear, your measured tire width, wheel diameter, type of tire, and the surface you are riding on. Today our recommendation is for you to skip the rule of thumb guessing game and go straight for a reputable tire pressure calculator. In the past, to find your ideal pressure, we would recommend you start in the middle of these ranges, then factor in your body weight and experiment by going higher or lower until you find a pressure that works for you.īut as research into tire pressure has ramped up with the advent of tubeless tires in the last few years, our knowledge of tire pressure has gotten more complex, and so have the formulas for getting to that magic pressure number. Narrow tires need more air pressure than wide ones: Road tires typically require 65 to 95 psi (pounds per square inch) mountain bike tires, 15 to 25 psi and gravel tires, 25 to 40 psi. Proper tire pressure lets your bike roll quickly, ride smoothly, and avoid flats. Here are our experts’ top tips for finding the perfect bike tire pressure. ![]() If you don’t pay attention to inflation, the amount of air in your tires is probably not only not ideal but wrong enough to cause excess flats and serious drop-offs in performance and comfort. In fact, it isn’t an upgrade at all-and it doesn’t have to cost you more than some time and, maybe, as little as what you’d spend on a new roll of handlebar tape. The single biggest performance improvement you can make on your bike isn’t a lighter set of wheels or fancy electronic shifting. Check your bike tire pressure regularly. ![]() Terms and conditions will apply to all these deals so check the small print on the respective websites carefully before booking. The best way to get an overview of fares, including sale fares from your local airport though is Sky Scanner, simply pop in where and when and find the cheapest flights or even, just put in your departure point and choose “everywhere” to see the cheapest places to fly too. As with the Easyjet sale, percentage discounts can often be misleading but there are certainly some bargains to be had such as Cardiff to Belfast for £24.99 or Manchester to Toulouse for £24.99 Cant’t decide? ![]() For full offers and deals visit Flybeįlybe has launched a “You Snooze You Lose” sale offering 1 million seats with 20% off. Outisde of the USA, they are also offering Singapore from £416 and Hong Kong from £519. See all the bargain fares at British Airwaysīritish Airways sale ends on the 31st January and has fares including London Heathrow to Chicago, USA for £295 return, or business class to New Orleans from £1685. In the winter of the same year, easyJet launched its first two flights across the UK. Flights are subject to seasonal scheduling. ![]() Operating from a variety of convenient airports throughout the UK, whether it is for leisure or business, easyJet makes travel enjoyable and affordable. The businessman chose the modest town of Luton in the United Kingdom as the place to start his mission to offer low-fares flights in Europe. easyJet started flying to Jersey in 2008 with just two routes and today their flying programme now offers up to 50 flights per week. Other UK airports have flights starting at just £5.76 such as Edinburgh to Copenhagen. Humble beginnings The airline was founded in March 1995 by Greek-Cypriot entrepreneur, Sir Stelios Haji-Ioannou. Find out more at Ryanairīudget airline Ryanair has launched a mega-sale with flights from London Stansted starting at just £4.88 with destinations including Stockholm and Oslo. Low-cost airline Easyjet is offering 400,000 seats with 20% off, whilst percentage discounts on flights can be confusing (no-one really knows what the true base fare is) there are plenty of discounts to be had such as Bristol to Glasgow for £22.49. They fly state of the art Boeing 787 Dreamliner aircraft too so you be sure of a great experience. is offering flights to the Boston, USA from London Gatwick from just £135! Other bargains include Las Vegas for £164.90. Here is our round up of the very best New Year sales from the UK airports. As the new year begins, so do the January sales but rather than picking up that new scarf or dress, why not pick up a bargain flight. ![]() Isn’t it funny how this orange toned wood has become a staple in modern home design? Traditional Brick With Modern Elements dark secret PPU26-23A | saddle tan HDPO25| white truffle 720C-1 This deep navy is an excellent choice paired with pure black window trims and that classic golden oak door. A quick coat of dark pant will do wonders if a little update is all you need. Traditional homes (20-30 years old) were typically clad with light color finishes and colors. I think the easiest way to update a home exterior is to paint it dark. This is a great example of how a home with a more traditional design can be made modern with the correct paint color combination. Deep Navy Modern Exterior Paint black amethyst HDGV52D| crispy gingersnap 290D-7 | pure black ![]() They will inspire you to tackle your exterior remodel and boost curb appeal. If you need inspiration for your exterior renovation, check out these before and after photos. Bright blue is the ‘wow’ factor in this modern exterior, combined with the perfect complementing stained wood and a tiny amount of grey blue trim, you’ve got yourself a showstopper! Who wouldn’t want to stay in this modern home? This modern color combination is guaranteed to stand out in any neighborhood. This funky modern home (actually found on Airbnb) has a bright modern paint pallet that I just adore. Modern Mid Century Exterior Paint Colors malaysian mist SS40-2 | fresh sawdust BXC-70 | rocky mountain sky 720E-3 ![]() If you’re looking for more modern architecture inspiration, check out his website, they are a fantastic resource. With a concrete front porch this home by Jordon Iverson Signature Homes has all the right modern exterior elements. The exterior design has emphasized horizontal lines found on the front door, railings, and siding. A deep black paint color is used for the trim and the railings. A deep grey is the main finish for the exterior paneling with an accent of medium grey for the horizontal siding. If you’re looking for a sophisticated moody exterior, this is the color pallet for you! This dark front entrance has a great modern design. Take a look and let me know which paint color combination is your favorite! Dark & Moody Exterior Color Scheme thorny branch S-H-780 | suede grey PPU18-17 | onyx black PPG1011-7 Whether you are looking to update your homes exterior with a fresh coat of paint, or you are selecting modern exterior finishes for a new build – this is the article for you! Paint your homes exterior with confidence after you fall in love with these modern color combinations. ![]() Paint colors can change drastically depending on the amount of light/shade, and the material you are painting on. While these modern paint combinations might look great on your screen, remember to always test a sample area on your home before committing to the whole house. Please note these are not the actual paint colors used in the photos, just close matches. Using Exterior paint from The Home Depot, I’ve matched these paint swatches to homes with outstanding modern design. I’ve put together a few modern exterior paint colors that I think will look good on any exterior. Modern architecture is massively popular right now, and with this new trend comes modern exterior finishes. |
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