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26.10.2015

Origins: The money manager emerged from the combination of my budget planner, monthly budget, and checkbook register templates. As a preliminary caution, you should be comfortable using a spreadsheet and understand that spreadsheets are fairly error-prone. Download the Vertex42® Money Manager - a free Money Management Template for Excel that lets you track expenses and manage your budget!
I will be the first to admit that the most complicated part of using the Vertex42® Money Manager is customizing the budget categories. What you need to watch out for: If you assign a transaction to a category that is not included in the Budget or Report worksheets, the expense won't show up in your reports and you'll think you have more money than you really do. I've tried very hard to include a comprehensive set of income and expense categories, so if customizing the categories is too scary, just try to use the default list. The second most difficult part of using the money management template is learning to enter transactions into the Transaction worksheet correctly and efficiently. After a while, you may find that entering transactions with the spreadsheet is faster than using Quicken because of how easy it is to copy and paste, using older transactions as "templates" for new transactions.
A very important part of good money management is keeping track of how your current spending compares to your budget. Use the Report worksheet to compare your budget to your actual spending throughout the month. Disclaimer: This spreadsheet and the information on this page is for illustrative and educational purposes only. King Sombra is a male initially-umbrum unicorn, the former tyrannical ruler of the Crystal Empire, and the antagonist of the season three premiere and the IDW comics' thirteenth story arc. The alternate universe version of Sombra in the IDW comics' Reflections story arc has a neatly smooth mane and tail with blue streaks.
On March 15, 2015, Jim Miller was asked, "I would like your thoughts on this: are Sombra and Tirek the redeemable types?
Twilight performs "a little trick Celestia taught [her]", which gives her the same green glowing eyes and horn engulfed in black mist as Celestia did at the beginning of the story.
In The Cutie Re-Mark - Part 1, due to Starlight Glimmer altering history, she inadvertently creates an alternate future where Sombra—unopposed by the Mane Six and Spike—has successfully reclaimed the Crystal Empire and conquered half of Equestria. In the season six premiere, Spike mentions King Sombra while telling the Crystal Ponies about how he was defeated. King Sombra is mentioned by Shining Armor and the crystal bard in Friends Forever Issue #4 and appears in a flashback showing how he captured the bard with the assistance of his guards.
Back in present day, Sombra's disembodied horn makes its way to the bottom of the spiral staircase, appearing to still contain his essence.
In Issue #37, Sombra declares himself emperor and prepares to invade the rest of Equestria, but Hope's words about choosing one's own destiny deeply affect him.
Sombra is mentioned again by Prince Blueblood on My Little Pony: Friends Forever Issue #26 page 5. King Sombra first appeared on Hasbro's Pony Wedding microsite, which has been accessible since July 2012, before any information about the character was released publicly. KING SOMBRA ruled the Crystal Empire thousands of years ago but was banished and turned to shadow.
King Sombra appears in the picture book Good Night, Baby Flurry Heart, in which he appears as a giant pony in the story Shining Armor tells to his daughter Flurry Heart.
As you touch people, surfaces and objects throughout the day, you accumulate germs on your hands. The most important advantage of hand washing is that you prevent yourself from getting infected by a number of dangerous ailments. Health-wise, cats are more controlled population-wise and are cheaper per year to keep as pets. As easy to care for animals, they clean themselves, meaning there is no hassle in trying to figure out how to fit them into the bathtub or shaking all over your new bath towels.  Of course, while cats can be trained to stand a bath on a consistent basis, this is a choice the owner can make.
For people who enjoy stress-free pet ownership, one where owner and pet live in perfect harmony, cats serve that purpose quite well.
Small and agile, a cat will never grow to 80 pounds, and their ability to be swift helps them maneuver better around household objects.   This is of course not to say that a cat can do no damage around a house, but in many ways the damage done can be seen as far less devastating in terms of size.
Outdoor cats live more solitary lives, yet they can still come back to the house to be affectionate. Choosing a cat as a pet for a family or for only one person is a smart decision, simply because it does not put a constraint on your time.
To put it quite simply, for tranquility and ease in having a companion, cats really are a person’s best friend.  Whether they are protecting the house from mice or curled up against you on a cold winter’s night, cats never cease to be anything but themselves.
Who says cats don’t run to the door to greet you, beg at the table, or tear up your couch?
I love animals , and i agree with you , because i have a cat and most of my family has cats , but i still like dogs too. I Love each and every one of my cats and Some will talk (meow) to me and some will come running and greet me when I get home. I think that you are thinking for yourself and not for other people that have cats.You don’t have to be mean to cats you know! It has long been my goal to create a simple, macro-free, money management spreadsheet that provides the same functionality as basic budgeting and money management software.
By that I mean that even if the spreadsheet is completely free of errors at FIRST, there is no guarantee that you won't accidentally introduce errors yourself. Include your Credit Card account(s), Checking account(s), Savings account(s), and even an account to represent your Cash, Purse, or Wallet.
Use the reconcile (R) column in the table to enter cleared "c" and reconciled "R" transactions. I've added conditional formatting to help prevent these types of mistakes, but the spreadsheet is definitely not error-proof. For now, you can learn about creating a budget in almost any personal finance book, reading online blog articles on budgeting, etc.
If you have a good understanding of how to copy, insert, and delete rows, it should be piece of cake. You might check your budget status on a weekly or even daily basis, but you should at least manage your money on a monthly basis.
You can change the month by simply entering the month number (1 for January, 2 for February, etc). Princess Celestia tells Twilight Sparkle that he took over the Crystal Empire a thousand years ago but was banished into the frozen north. Unlike regular unicorn horns, which match the pony's coat color and are straight and segmented, Sombra's horn is curved, smooth, sharp at the tip and it gradients from dark gray to red. His horn is a solid color and segmented like other unicorns, and he still has green irises instead of red. One pony who Twilight interviews tells her that she can't seem to remember anything before King Sombra came to power and flinches while a superimposed image of King Sombra's eyes flashes over her.


She turns the throne black with this spell, and slowly makes the throne room look the way it did when King Sombra ruled. He is seen commanding an army of Crystal Ponies under his control in a war against Princess Celestia.
Later, Twilight Sparkle mentions that the reason King Sombra merely hid the Crystal Heart rather than getting rid of it was to stop the Frozen North's weather from breaching the empire. Covers A, B and the Hot Topic variant of Issue #18 and cover A of Issue #19 feature King Sombra as well. Calling itself his mother, the crystal reveals to Sombra his true nature: he is actually a living shadow called an "umbrum," created to destroy the Crystal Heart and set free the umbrum army trapped below the Crystal Empire. In My Little Pony: Friendship is Magic Issue #34, Radiant Hope uses her healing magic on Sombra's horn to completely restore his body. After a change of heart, he saves the Crystal Empire from the umbrum, and Hope and the princesses use their magic to turn him into a real unicorn. Both sides of the card list his name with a trademark symbol, and the back of the card includes the description "After being turned to shadow and banished to the frozen north for 1,000 years, this black-hearted unicorn is back for revenge!
King Sombra enslaved the Crystal Ponies, and when Princesses Celestia and Luna banished him, he made the Crystal Empire disappear.
Before he disappeared, the snarling black-hearted monster made the kingdom disappear and destroyed hope and love in the process. His in-game description states "The former tyrant ruler of the Crystal Empire, King Sombra is one unnerving unicorn! People who are careless about washing their hands are at a higher risk of catching a cold or flu. Cats can be either indoor or outdoor, making them versatile to different environments as highly independent animals. They can be soft, warm, and friendly, curling up next to your feet on cold winter nights and sitting next to you thoughtfully as you read a book.
Cats often seem to “do their own thing,” and while they might not jump up and lick your face when you come into the house after a long, stressful day, that isn’t necessarily a bad thing; especially the licking part. This means that busy families or a busy person doesn’t have to worry about finding their couch chewed up or their favorite shoes, and their pet will still be there when they get home from work or school.
If you skewer them and roast them over a fire, the taste bears a noticeable resemblance to pork.
A simple spreadsheet will never do everything that dedicated software can do, but the new Vertex42® Money Management Template comes amazingly close. Essentially, you just need to make sure that the categories are exactly the same in all worksheets.
It is very important that you always copy entire rows (instead of inserting blank rows) so that you preserve the formatting, data validation, and formulas that are both visible and contained in hidden columns.
If you know how to define "Lists" or "Tables", go for it, but make sure you know what you are doing.
Before his banishment, King Sombra put a curse on the Crystal Empire which made it vanish into thin air.
He has sharp teeth with two visible fangs unlike other ponies and red—green when younger—irises, but most often his otherwise white eyes appear green and have a purple mist emanating from them, which disappears both times he is attacked.
He wears a light blue crown with a yellow gem, matching shoes and collar, and a purple cape instead of a red one. She finds a hidden staircase, and at its bottom is "a doorway that leads to your worst fear", created by "King Sombra's dark magic".
With his dormant powers awakened, Sombra embraces his destiny; he steals the Crystal Heart away, turns the empire's ruler Princess Amore into a crystal statue, and shatters the statue to pieces. In Issue #35, he frees the villains that Hope gathered, and he is soon forced to battle Celestia and Luna once more, eventually turning them to stone. In the end, Sombra sets out with Hope to find the fragments of Princess Amore's statue and restore her. The mere mention of King Sombra's name strikes fear into the hearts of ponies all across the Crystal Empire, and it's easy to see why! Larson wrote on Twitter regarding the quiz's image of King Sombra that was presented to him: "Interesting.
The ponies used the Crystal Heart, plus the power of love, to restore the Empire -- and shatter this evil Unicorn forever. Although it’s impossible to keep your hands germ-free, washing your hands frequently can help limit the transfer of bacteria, viruses and other microbes.
Not washing hands has also the ability to cause gastrointestinal illnesses and also diarrhea which can spread to the whole family. Cat owners spend an average of $203 a year on veterinary care, while dog owners spend slightly more each year. They don’t bark for strange reasons, they don’t need to be let out in the middle of the night. They eat their food cleanly without chewing and food flying all around, and they aren’t nearly as prone to food aggression. I do have to say cats own us we dont own them (like dogs) my cats are very smart but yes never have a cat and leather couch.
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Why I’m Voting for Hillary ClintonYes, I have a nice house—but I don’t vote my self-interest.So I see from Twitter that some genius has gone on Zillow and found my house. Use the built-in Excel autofiltering to display transactions for a single account or all accounts. If you know how to use Autofiltering, you may find it convenient to use the filtering to display transactions for a single Account at a time when you are reconciling.
I also have no plans in the future to add the ability to automatically import transactions from your bank or other financial institution.
A differently-shaded version of the armor around King Sombra's neck is used for the 2012 Design a My Little Pony Finalists poster, as part of Steel Masquerade's armor. He wears silver armor on his legs and neck, a crown with horn-like points on his head, and a red cape that covers his flank. After the alternate Sombra absorbs the evil from alternate Celestia and Luna, he closely resembles the original King Sombra.
Princess Celestia describes him at the beginning of the episode as "a unicorn whose heart was black as night" and took over the Crystal Empire. When they arrive in the frozen north of Equestria, they meet with Shining Armor on the outskirts of the Crystal Empire. It falls to the ground and transforms into a black crystal which embeds itself in the ground and begins spreading to the crystal gates of the Empire. When Twilight is under the spell, she has the same green eyes as Sombra; Spike wakes her from this state, but then he falls into it himself and his eyes change the same way, and Twilight wakes him in turn. Black crystals shoot out of the ground as he advances towards the Crystal Empire, and he turns into a shadow in various scenes, dodging attacks and traveling large distances.


In Issue #18, Princess Celestia talks about the King Sombra of another world she'd visited, where he rules Equestria with kindness and benevolence. This Sombra is revealed to be in love with Celestia, who loves him in return.
When Radiant Hope informs Princess Celestia and Princess Luna, Sombra realizes his defeat is imminent, so he enacts a curse that makes the Crystal Empire vanish. In Issue #36, Sombra makes plans to release the umbrum army beneath the Empire, briefly putting him at odds with Queen Chrysalis. Sombra recently returned, only to be defeated again by Princess Cadance and the Power of the Crystal Heart.
Not to mention the fact that cats take significantly less time to provide basic care on the daily basis. There’s no “wet cat” smell, nor is there a problem with having to walk your cat in the pouring rain or a blizzard twice a day. I think this must’ve happened in response to something I said on the Stephanie Miller radio show on Wednesday, discussing my last column, about how some people can afford to cast votes around their hopes and dreams while others vote to protect rights and gains that the other side wants to take away from them.I don’t recall my exact words, but they were something to the effect that that idiot Susan Sarandon’s life isn’t going to change one way or the other no matter who’s president, and for that matter, neither is mine, not that I’m rich, but I make a good living, so my life won’t change, yadda yadda, which I suppose is what put the wheel in spin.
When his flank is shown briefly in Princess Celestia's flashback, he has no visible cutie mark.
In a flashback, Sombra looks down gleefully from his castle at a chain-gang of Crystal Ponies, when two silhouettes of Princess Celestia and Princess Luna shoot a beam at him that turns him to "shadow" and banishes him to "the ice of the arctic north." Celestia says he was able to put a curse on the empire as he was imprisoned, which caused it to "vanish into thin air". At first Sombra advances as a pillar of black smoke, and he materializes as his unicorn self at the end of it.
His horn dissolves when it touches Princess Cadance's protective shield around the empire, and he is eventually repelled by her Crystal Heart magic. In Issue #19, the original King Sombra is shown in a stained glass window and in Twilight Sparkle's memory of his defeat. During his time at the orphanage, Sombra was teased by other foals, but he made a close friend named Radiant Hope. By the end of the issue, he releases the umbrum from their prison after Twilight's intervention results in Radiant Hope getting injured.
Cats are trained by their mothers to use a litter box properly, and often require minimal assistance in reinforcing this taught behavior.  There are no accidents, newspapers spread over your favorite rug, or presents on the front lawn to worry about. If you want that kind of functionality, you may want to use some other dedicated budget software. When he is turned to shadow in the flashback, only his head remains, and when he returns as an amorphous black cloud, only his eyes are visible at first. Celestia demonstrates that if the empire is filled with hope and love, then those emotions will be reflected across all of Equestria, but if hatred and fear take over the Crystal Empire, black crystals sprout from the ground. Shining Armor confronts Sombra and shoots a beam at him, which Sombra evades and lets the beam pass through the black cloud. Right as he's about to take the Crystal Heart from Spike while standing upon a growing, menacing shard of his own crystals, Cadance, propelled by Shining Armor who threw her at Spike, snatches Spike and the Crystal Heart before he can reach them. The alternate universe King Sombra makes plans with the Mane Six on how to stop the alternate Princess Celestia and Princess Luna. As well, cats don’t need to be walked, which cuts a significant amount of time off of the total needed to care for a cat. His funeral was like George Bailey’s funeral—I lost count of the number of grown men who came up to me crying, telling me about the mountains of legal work Dad had done for them over the years for free.I mention my father because he’s the one who taught me that people like us don’t vote our self-interest. When Celestia creates the crystals, her horn is engulfed in black mist and her eyes glow green and emanate the purple smoky trail the same way Sombra's eyes do, implying that she may have knowledge of his magic. With the return of the Crystal Heart and Cadance saying "Use the light and love within you to ensure that King Sombra does not [return]", the Crystal Empire is restored to its former glory and Sombra, much to his horror, shatters to pieces in a flash of light, along with his crystals, and his remaining smoke dissipates. In Issue #20, the alternate Sombra and the Mane Six go to the Castle of the Two Sisters and enact their plan to defeat the evil Celestia and Luna. In one particularly painful year, his unicorn body would have crumbled to pieces if not for Radiant Hope's healing magic. Twilight and her friends pass safely through the barrier and arrive in the Crystal Empire, soon followed by Shining Armor, whose horn is now encrusted with black crystals which prevent him from using magic. Upon realizing their plan will imprison the good Celestia too, Sombra uses the Elements of Harmony to absorb the alternate princesses' evil and becomes just like the original King Sombra, disappearing immediately afterward. When they meet Princess Cadance, Shining Armor explains that Cadance is using her magic to "spread love and light" to protect the Crystal Empire and that King Sombra countered Shining Armor's protection spell.
In the end, he is shown thinking of Princess Celestia and crying, indicating that a part of him still misses her. The kinds of interests I wrote about the other day—economic welfare, of course, but voting rights, rights for immigrants, all the rest. I actually just think that Hillary Clinton will do a better job of defending those interests than Bernie Sanders will.
She’s gotten a lot of things wrong—the Iraq vote, those speeches and all that lucre, way more money that any normal person needs to have.
She’s tough as steel; and she might turn out to be good at persuading the Republicans to deal.Can anyone seriously doubt the first point? But you can’t destroy a person for that, so you have to find something else.But she’s endured all of it and stayed in the game.
And no, it’s not because she’s power-mad, another well-worn right-wing (and seriously sexist) trope. She’s in it for mostly the right reasons—and because she doesn’t want to let the people trying to destroy her have her scalp, which is a damn good reason on its own.As for my second point, we have her record as a senator to look back on. True, neither she nor Sanders did much in terms of legislation, but legislation is an overrated part of what a senator does.
From what I’m told from senators I know, she’s a better kibbitzer, especially with Republicans.
You don’t even know this!—she went into the Senate with the then-Republican leader wishing her dead (kinda jokingly but kinda not) and harrumphing that in the event that she did survive, she would surely be put in her place.
But maybe it’s just evidence that she’s a person whose word is good and who is someone to be taken seriously. So maybe she can sit down with Mitch McConnell and Paul Ryan and horse-trade her way to a paid family leave bill. That one thing would make life dramatically better for millions.And I think it’s one more thing than Sanders would pass. And as for horse-trading, he doesn’t talk as if it interests him very much, but if you’re going to be a successful president, it has to.It has to interest you because millions of people are counting on you to do something to help them. I’m for the person who I think will do more for people whose needs from the state are great.



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