![]() If you’re based in Lisbon, you can order food using noMENU. If you’ve forgotten to make lunch, and don’t want to order something unhealthy from Uber Eats, Takeaway, or Glovo, EatTasty is definitely worth taking a look at. EatTasty (Lisbon)ĮatTasty is a platform that allows you to order home-cooked, healthy meals to your office. is available in most Portuguese cities, but it only really has participating restaurants in big cities like Lisbon and Porto. Here, you can order a variety of cuisines including Indian, pizza, Portuguese, Italian, and desserts. is the sister site of, one of Germany’s largest takeaway websites. If you like TooGoodToGo, Phenix, another app hoping to solve food waste, is also worth downloading. Some venues ask you to bring your own carrier in order to cut down on plastic waste. Depending on the venue, you could get cakes, cooked meals, or, in the case of some grocery stores, misshapen vegetables.īoxes typically cost around €3, and you have to go and pick up the mystery box yourself. Restaurants, cafés, and supermarkets can create a “Magic Box” which is essentially a mystery box of food that they probably be throwing away otherwise. ![]() Rather than allowing you to choose dishes from nearby restaurant or takeaway, Too Good to Go is all about selling unsold food. Too Good to Go is slightly different to most of the apps on this list. Note: Get €8 free credit with the code 1715VDE (via this link) Too Good to Go Glovo isn’t available everywhere in Portugal, but you can use it in major cities like Lisbon and Porto. You can even get something sent from a friend to you (although Glovo might phone up to ask for a few more details). Glovo allows you to order from a variety of different local businesses including restaurants, florists, pharmacies, wine shops, Ikea, you name it. *Some of the Algarve towns that Uber Eats is available in includes Faro, Olhão, Loulé, Quarteira, Portimão, Lagos, and Albufeira. Note: Get €5 off your first order with the code eats-jamesc64889ui (the amount changes from time to time). ![]() The restaurants available depend a lot on your postcode, but options range from chains like McDonald’s and 100 Montaditos to independent restaurants and cafes, and cuisine options include Mexican, Indian, Pizza, Chinese, Sushi, Vegetarian, and Health Food. Uber Eats is available in Lisbon, Porto, and the Algarve (certain towns*). ![]()
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![]() ![]() Related: The Most Useful Excel Formulas for Accounting How to calculate the present value of an annuity in Excel If it's an annuity due, in which the payment is given at the beginning of the period, you'd input 1. If you're dealing with an ordinary annuity, in which the payment is due at the end of the period, you'd input 0 or omit a value altogether. If you've supplied a pmt value, the fv is optional. Therefore, if you wish to have $25,000 left over once you've entirely fulfilled your loan payments, you'd input $25,000 as the fv. Fvįv is "future value," which refers to the cash balance you wish to have after making the final payment. Pmt is the third required value of the PV function but can be substituted by fv. For example, a $10,000 loan over three years at 12% interest would amount to $332.14 per month. The pmt value includes both the principal payment and the interest. Over the course of the annuity, this value can't change. Pmt is the payment amount per period, expressed a negative integer in the structure. The total number of payment periods would be the number of years multiplied by the number of months per year in which you make payments-3 times 12-resulting in an nper of 36. In the example above, imagine that it's a three-year loan. Nper refers to the total number of payment periods in an annuity. Related: Interest Rates: What They Are and How To Calculate Them Nper This value is a required argument for the formula. Thus, the value you'd input for the rate would be 12%/12 or 1.00%. The period is a year, amounting to 12 months. Imagine, for example, that you obtain a loan with an annual interest rate of 12% and monthly payments. The rate refers to the interest rate per period. ![]() In the PV function, there are five arguments, two of which are optional: Rate Functions in Excel consist of specific values, known as arguments, arranged in a certain order, called the structure. Users commonly apply the PV function to determine how much a loan or investment is worth today. In Excel, the present value function, specifically known as the PV function, is a predefined financial formula that calculates the current monetary value of future payments based on the assumptions of a constant interest rate and periodic, constant payments. Related: What Is Compound Interest? Formula and How To Calculate What is the present value function in Excel? For the individual receiving the payment, the annuity due is an asset, while it's a liability for the one giving it. A common example of an annuity due is rent. In contrast, an annuity due refers to payments made at the beginning of each period. A dividend from a stock with a stable payout level is an example of an ordinary annuity, as the stockholder receives a consistent amount at consistent intervals. Ordinary annuities are payments made at the end of each period, often monthly, quarterly, semiannually or annually. If you receive another $50,000 in the future, the initial sum of money is more valuable because it has generated interest.Īn annuity can be an ordinary annuity or an annuity due. If, for example, you receive $50,000 today, you could deposit it in an interest-bearing account that builds on the deposit. This concept is based on the time value of money, which states that a particular sum of money is worth more in the present than at a future date because the money has earning potential during the interim. ![]() The present value of an annuity refers to the current total value of a person's future annuity payments. Related: 7 Skills To Be a Financial Advisor and How To Highlight Them What is the present value of an annuity? In this article, we define the present value of an annuity as a concept and a function, explain how to calculate it in Excel and provide some examples to guide your understanding. If you work in finance or investments, it can be helpful to understand this concept and how to calculate it. Calculating the present value of an annuity can determine the cash value of such payments or evaluate the accuracy of payment with respect to its expected value. The total required return is 10℅ pa.An annuity is a series of regular payments made continuously over a specified period. So the cash flow will be $10.5 at the end of the seventh year (t=7), then $11.025 at the end of the eighth year (t=8) and so on perpetually. 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![]() ![]() On Boat Songs he’s a self-described “beat-down rodeo clown” whose neo-miserablist everybro mien brings to mind the Neil Young of Zuma if he was a Southern fisher-dude who had a few too many strong, drunk opinions about college football coaching hires. MJ Lenderman plays guitar in the great Asheville, North Carolina, band Wednesday (see their must-hear covers EP from this year, Mowing the Leaves Instead of Piling ‘Em Up). “Either side, win or lose, right or wrong, it’s a battle,“ she informs us on “curious/furious,” a power-through-the-pain sentiment that could sound pretty pro forma if her operatic vocal athleticism wasn’t so sweeping and her conviction so genuinely felt. She adds real emotional urgency to that very of-the-moment flavor of retro Sturm und Drang. If she ever gets a cat she should probably call it Paramore, because the music on her impressive fifth album lives in the sweet spot between early-‘00s nu metal and mid-‘00s emo. ![]() There’s not a bit of slack here, just the sound of a rough beast reborn ready for fresh battles and new adventures. Singer-guitarist Eric Bachmann used to shout about the limitations of the rock scene he’s got bigger things on his mind here (politics, mortality, shit like that), and songs like “Saturation and Light” and “Screaming Undercover” show growth too, landing closer to the kind of lifesaving classic rock the Archers were far too skeptical to shoot for back in their slacker youth. Their first album in 24 years is everything you’d want from a comeback record - the same great catharsis repackaged in a way that feels brand new. In the 1990s, these North Carolina indie rockers were second only to Pavement in their ability to wed twisty guitar racket to unmistakably great songs. (To hear a podcast version of this list’s top 50, listen on Apple Podcasts or Spotify or press play above.) And those are just some of the sounds that shaped 2022 - a year in music we have a feeling we’ll be thinking about (and dancing to) for a long time to come. Elsewhere, Wet Leg came out of seemingly nowhere to make one of the year’s funniest and straight-up best rock albums Steve Lacy achieved a pop breakthrough even he wasn’t expecting Alvvays reemerged from their Canadian hibernation with an instant indie-pop classic J-Hope went solo with terrific results. Rosalía, King Princess, Omar Apollo, and Bartees Strange are just a few of those who won our attention as new acts over the past few years, then did truly amazing things with the spotlight they’d earned. It was also a time for artists to level up to stunning effect. It was a very big year for very big albums. Beyoncé ended a six-year break between solo studio LPs with a masterful dance-music reinvention Bad Bunny celebrated yet another year as the biggest artist in the world with his latest chart-conquering smash Taylor Swift left her cottage Harry Styles took us back to his place Drake released not one but two blockbusters Pusha T reminded us that no one raps about anything as well as he raps about his favorite subjects. ![]() Every time we turned around in 2022, it felt like another superstar was blowing our minds with a headline-making event release. ![]() ![]() ![]() The Neighbors’ Place is in need of personal hygiene products, such as shampoo and conditioner, toothpaste and deodorant, along with household consumables such as laundry detergent and cleaning products. Go to the United Way Volunteer Connection volunteer website at Household and Hygiene Supplies Needed. We seek volunteers who can commit to a minimum of 3 hours biweekly. Volunteers will also help keep the Community Closets neat and tidy, ensuring an exceptional experience for guests. If you want to learn how you can make a difference in the lives of this residents in nursing homes, contact Mary at 80 or You Love Cleaning and Organization? The United Way of Marathon County is looking for volunteers to work behind the scenes, ensuring that items coming into the Community Closets are high quality and in keeping with our inventory management practices. ![]() This position supplements the services of the Regional Ombudsman Program. Volunteers meet with residents, listen to them, and be a voice for them to resolve concerns the resident may have. The State of Wisconsin Board on Aging and Long-Term Care Volunteer Ombudsman Program seeks compassionate volunteers to spend 2-3 hours a week at a local nursing home advocating for residents ages 60 and older. For more information, contact Lee at For Seniors. Volunteers are asked to commit to at least four shifts a year (average shift is 5-6 hours). The Red Cross seeks volunteers ages 18+ to welcome donors to blood drives and provide friendly support before and after they donate. Go to the United Way Volunteer Connection volunteer website at Become a Blood Donor Ambassador. Find More Donation + Volunteer Opportunities. ![]() |
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