In 2015, if somebody’s prepaying for expenses for 2016 and maybe didn’t prepay for this year in 2014, their operating expense ratio will balance out,” Auel says. That means if your expenses are high because you’ve prepaid to capture discounts on things like seed and fuel, you won’t lose financing flexibility because of those increased expenses. If that is the case, don’t worry lenders typically look at the ratio on a year-over-year basis. If you do pay 2016 expenses this year, your total operating expense ratio will likely take a hit in 2015 – your income statement for this calendar year will show a disproportionately high expense figure. If you can take advantage of discounts like that, it may be a good thing to do early,” Auel says. Seed companies offer discounts if you pay early. “The time to control costs is in the September-to-March timeframe. If you’re looking to trim input costs, watch for discounts that are typically offered earlier in the traditional decision-making process. If you’re facing high land rent, for example, start negotiating with your landowner earlier in the year. That may mean a shift toward more proactive planning for expenses. If you don’t know what your expenses are, you don’t know how to maximize your profitability.” If you think you’re buying smart, you need to really keep track and know what may be holding you back. “Keep good records so you can look back and see where you can cut costs. “Focusing on bringing those costs down and improving your ratio should be a priority.” “Now more than ever, you need to be as efficient as possible with seed, fertilizer and fuel because we’re sitting at $3.60/bushel corn and chances are, breakevens are closer to $4.00/bushel or more,” Auel says. The same applies to lower operating purchases on your operation maximizing cost efficiency on inputs like seed and fuel can help get your operating expense ratio back into the optimal range. Maybe that means renegotiating cash rents, or giving up high cash rents altogether and finding lower-cost land.” “All of a sudden, that price means your land costs are a higher percentage of expenses compared to what your income has been over the past few years with $5-$7 corn. If you’re in a high cash rent situation, that can really hurt your operating expense ratio – especially with the price of corn at around $3.60/bushel,” Auel says. “Land cost is something you have the ability to manage. For example, land costs may have a big impact on your operating expense ratio, especially in the context of today’s low grain prices. Auel recommends looking at both variable and fixed costs. If you do find yourself with a higher operating expense ratio, it should signal action to improve your operation’s cost efficiency. “Once you know where your costs are, you not only can control them better, but make better marketing decisions.” “It’s important for producers to pay attention to it because you can’t maximize efficiency if you don’t know how you’re controlling expenses,” says Auel. Why is your operating expense ratio important? When approaching a lender for financing, this ratio is one way to show your operation’s financial stability and can influence how much it will cost you to borrow money to sustain your operation. ![]() “If you are between 70% and 75%, you’re probably doing okay, but if you start getting above 75%, you’re trending toward being a high-cost producer.” “Below 70%, you’re doing a really good job of controlling expenses,” says Vice President AgDirect Credit Jerry Auel. ![]() The normal operating expense ratio range is typically between 60% to 80%, and the lower it is, the better. Expressed as a percentage, the operating expense ratio is your total operating expense (excluding interest), minus depreciation, divided by gross income. It takes into account both the production and income side, as well as the expense side, to paint a clear picture of your operation’s efficiency. The operating expense ratio is a measure of your operation’s financial efficiency and shows how much you spend to generate income. In times when margins are tight, the operating expense ratio is one that can paint an accurate picture of not only how your business is performing, but what adjustments can be made to operating and input costs. There are a lot of ways to measure the financial health of your business.
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![]() This issue could have been resolved at the design stage by specifying the beam to be tight to the double top plates. Our TJ-9000 specifiers guide provides guidance how to construct the pony wall and header based on the beam type, size and opening width.įigure 6 is an example where the pony wall did not provide adequate bracing and the beam began to bow (or buckle) out of the wall.įigure 6. The lateral stability of a dropped beam such as the one below is dependant on the size of the opening, beam size and pony wall height.įigure 5. The extent of bracing provided by a pony wall varies based on design elements such as wall height and wall sheathing type. Installing pony walls on top of dropped garage door headers is a common practice (see Figure 5). Without sufficient bracing, the beam may tend to ‘buckle’ or move laterally, as this simple span porch beam is demonstrating in Figure 4. Continuous Span Beam Example – Compression edge in blue Simple Span Beam – Compression edge in blueįigure 3. For simple span beams, the compression edge is typically on the top of the beam (see Figure 2), however, for multiple span beams, the compression edge changes from top to bottom of beam as it crosses intermediate bearing points (see Figure 3)įigure 2. When designing a beam, one must also consider how the member will be braced (specifically how the compression edge will be braced) to prevent lateral movement of the beam. ![]() The tension strap will resist rotation and keep the beam and joist together.Ĭompression Edge Bracing (unbraced length) One way to resist rotation is to install an appropriately sized tension strap from the bottom of the joist flange across the bottom of and up the back side of the flush beam. Figure 1 shows how a gap formed between the joists and side loaded flush beam due to the beam rotating under load.įigure 1. The potential for rotation of a beam increases as the load is applied farther away from the centerline of the beam (the wider the beam the more rotation potential). Our literature addresses this condition by stating that 7” wide beams should be side-loaded only when loads are applied to both sides of the members (to minimize rotation). Click here for a video tutorial on using this functionality in Forte.įlush beams with loads applied to only one side need special attention, specifically when the member is 7” wide. If you are using our single member sizing software, Forte, to size a beam, it now has the functionality to design and report the required connection for a beam based on the load magnitude and how it is applied to the beam. Side loads and point loads on beams typically require the most aggressive connection patterns in order to transfer the load to all plies of the beam TJ-9000 provides connection tables for side, top and point loads on beams. Beam connections are based on how the load is applied (be it top, side or a point load) and the magnitude of the load. Knowing how the beam will be loaded (either side loaded or top loaded) and the overall application of the member will help in determining which product to use to ensure a successful installation.Ī question we commonly get asked is how to connect a multiple ply beam member. Contact BlueLinx for more information.The successful design and installation of engineered wood beams such as Microllam® LVL, TimberStrand® LSL and Parallam® PSL goes beyond just looking up a member in a table. BlueLinx onCENTER® Framing Systems includes the high quality components you need to assemble a solid floor that satisfies today’s design demands – BLI Joists, onCENTER Beam and Header LVL or Glulam, Advanced Framing Lumber (AFL), and onCENTER Rim Board. And feel free to add in a sugar free syrup or zero calorie sweetener. If you drink your coffee black, it will only have 5 calories. If you don't like just black coffee, you can add in a splash of almond milk for around 10 calories. The hot black coffees you can order at Starbucks are the Blonde Roast, Dark Roast, and Pikes Place Roast. So you can order the caffe americano without making any changes to it.Īlso, for what it's worth, it goes great with these oat flour pancakes. And it is a naturally low calorie drink with only 15 calories! The Caffe Americano is just shots of espresso and water. This small change will give you a 50 calorie drink.īy the way, I love pairing this healthy latte with this low calorie cereal recipe. Substitute the 2% milk with almond milk.You'll only need to make one change to make this drink low calorie. The Cafe Latte is espresso with steamed milk and a light layer of foam. It only has 15 calories, and I honestly can't stop making it. Oh, also, just so you know, I recently came up with a homemade iced skinny vanilla latte recipe that's to die for. & sugar free vanilla syrup instead of regular vanilla syrupĪnd if you order it like that, this vanilla drink will have only 30 calories.īy the way, this low calorie blonde vanilla latte pairs perfectly with these low calorie cookies.You can order the Blonde Vanilla Latte with all the vanilla flavor but without all the calories. Oh, and if you want the full experience with the whipped cream, you can add your own low calorie whipped cream at home! If you do, I highly recommend pairing this drink with my protein waffles. ![]() With those adjustments, the calorie count will come out to only 75 calories! And to bring the calories even lower, order it with no cinnamon dolce sprinkles. Sugar free cinnamon dolce syrup instead of the regular cinnamon dolce syrup.But you can make it low calorie by ordering it like this. Now, if you order this drink the way it come, it will have 340 calories. It's just so warm, comforting, and delicious. The Cinnamon Dolce Latte is an absolute treat any time of year. We will be covering hot and cold drinks on the list.Īnd since the list is fire, we will be starting with the hot drink options first! 1. Now that those tips are covered, let's get into how to order low calorie at Starbucks! So to keep your drink as low calorie as possible, I suggest going with the sugar free vanilla syrup.Īnother way to sweeten your drink is by adding in a Splenda or Stevia In The Raw packet. Both are much sweeter than sugar so you won't need to use as much of them to sweeten up your drinks. And each pump of sugar free syrup has 20 calories. Now, the majority of Starbucks drinks have a couple of pumps of simple syrup in them as a sweetener. Ordering this low calorie Starbucks drink is a quick and easy way to make them healthy but still delicious! That said, if you like nonfat milk, you can order almost any of these low calorie Starbucks drinks in the "skinny" version, and it will substitute the milk in it for nonfat milk, use sugar free syrup, and no cream. You can choose any milk you want, but to keep it as low calorie as possible, I suggest going with almond milk. *4oz servings were used for the calorie counts above. These are all the milk options at Starbucks in order from lowest calorie to highest: The majority of drinks at Starbucks are either made with 2% milk or whole milk.īoth of these are high in calories, but Starbucks has some awesome options that you can substitute in any drink. So, with all of that said, so goodbye to sugar drinks and let's dive into the details of this list of low calorie Starbucks drinks. Oh, and all of these drinks go so well with these low calorie pancakes to start your morning off in the best way! We're going to break the entire Starbucks menu down, and take an in-depth look at how to make healthy Starbucks drink that are low calorie! And we'll even be talking about the drinks that are naturally low calorie too. So, that's where today's list of all the best low calorie Starbucks drinks comes in! ![]() And - let's be real - if you are living a healthy lifestyle, drinking empty calories is a total vibe killer. However, many of the drinks at Starbucks are loaded with unnecessary empty calories. ![]()
![]() ![]() Beyond the column, he wrote about everything from Windows to tech travel tips. He founded PCWorld's "World Beyond Windows" column, which covered the latest developments in open-source operating systems like Linux and Chrome OS. He also wrote the USA's most-saved article of 2021, according to Pocket.Ĭhris was a PCWorld columnist for two years. ![]() Beyond the web, his work has appeared in the print edition of The New York Times (September 9, 2019) and in PCWorld's print magazines, specifically in the August 2013 and July 2013 editions, where his story was on the cover. With over a decade of writing experience in the field of technology, Chris has written for a variety of publications including The New York Times, Reader's Digest, IDG's PCWorld, Digital Trends, and MakeUseOf. Chris has personally written over 2,000 articles that have been read more than one billion times-and that's just here at How-To Geek. TrueCrypt and similar solutions - well, that's a complicated topic we aren't really qualified to address here.Ĭhris Hoffman is the former Editor-in-Chief of How-To Geek. non-TPM-based solutions, or BitLocker vs. That's better than not using any encryption at all, and it's better than simply storing the encryption keys on the disk, as Microsoft's EFS (Encrypting File System) does.Īs far as TPM vs. Encryption tools like Microsoft's BitLocker and "device encryption" automatically use a TPM to transparently encrypt your files. Your computer either has a TPM or it doesn't - and modern computers generally will. Ultimately, a TPM isn't something you have to think about much. It's more secure than simply storing that key on the disk, as an attacker can't simply remove the disk and insert it into another computer. Storing the encryption keys in hardware allows a computer to automatically decrypt the drive, or decrypt it with a simple password. A TPM is arguably more of a convenience feature. BitLocker can function on drives without TPMs, but Microsoft went out of its way to hide this option to emphasize how important a TPM is for security. That means it has to store its encryption keys on the hard drive, and makes it much less secure. It has no way to store encryption keys in a TPM. This is one reason why the older Windows EFS encryption technology isn't as good. That's why the "recovery key" for BitLocker is quite a bit longer - you need that longer recovery key to access your data if you move the drive to another computer. That encryption key is partially stored in the TPM, so you actually need your Windows login password and the same computer the drive is from to get access. You normally just gain access to an encrypted drive by typing your Windows login password, but it's protected with a longer encryption key than that. Enable BitLocker disk encryption and Windows will use a TPM to store the encryption key. Just sign in with a Microsoft account on a modern PC that ships with "device encryption" enabled and it'll use encryption. Modern versions of Windows use the TPM transparently. This chip provides hardware-based authentication and tamper detection, so an attacker can't attempt to remove the chip and place it on another motherboard, or tamper with the motherboard itself to attempt to bypass the encryption - at least in theory.įor most people, the most relevant use case here will be encryption. This means an attacker can't just remove the drive from the computer and attempt to access its files elsewhere. ![]() So, if you're using BitLocker encryption or device encryption on a computer with the TPM, part of the key is stored in the TPM itself, rather than just on the disk. The TPM generates encryption keys, keeping part of the key to itself. If you built your own computer, you can buy one as an add-on module if your motherboard supports it. The TPM is a chip that's part of your computer's motherboard - if you bought an off-the-shelf PC, it's soldered onto the motherboard. Related: How to Set Up BitLocker Encryption on Windows It's a chip on your computer's motherboard that helps enable tamper-resistant full-disk encryption without requiring extremely long passphrases. TPM stands for "Trusted Platform Module". Videoder embraces a vast array of video formats, ensuring seamless compatibility across a wide range of devices and media players. Experience every intricate detail and vibrant color in stunning clarity as you download and enjoy your favorite videos in their highest possible resolution. Immerse yourself in the world of breathtaking visuals with Videoder's exceptional Ultra HD video downloading capabilities. What is the key features of Videoder Video Downloader?īelow you can see the key features of Videoder:
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They do tell you by the way that you can connect ONE computer wirelessly, which seemed curious. I can’t actually explain what that installer did though, because I don’t see a new wireless access point from the scanner and there’s no new Network connection settings but I can scan wirelessly so whatever it did seems to work. There was also an installer to set up your scanner to work wirelessly to your computer. I let them all run and then I had a window with a bunch of online updates it thought I needed which made more of a mess on screen. There wasn’t a good way to tell what all these applications were for and it got kind of chaotic. At one point I had five windows up at once installing five applications: Manager, CardMinder, Organizer, Receipt and ABBYY FineReader. The ScanSnap scanner line is incredibly capable, but that vast array of features comes at the price of a lot of different applications to install. And while they give you that GIANT safety manual, there is not a user manual included in the box, so I downloaded that from another link (which is of course also in the shownotes). I put a link in the shownotes to the files over at. ![]() You also get a DVD with the installer files, but since I haven’t owned a computer with an optical drive in years, I had to go hunting for the installers, which wasn’t as easy as I’d hoped. It’s 3/8ths of an inch thick and covers 9 languages! They tell you not to drive a car and scan at the same time because you MIGHT get in an accident! I don’t know how many lawyers got together to write this safety guide up but I recommend it for some enjoyable reading. They actually tell you in the safety manual to NOT drive a nail through the device. You know I’m not big on reading manuals but the iX100 came with a giant safety manual and my curiosity got the better of me and I gave it a quick read. Time to give this device a real world test.
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