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Exam Code: CFA-Level-I Practice exam 2022 by team
CFA-Level-I Chartered Financial Analyst Level I (CFA Level I)

The Level I exam consists of 240 multiple choice questions, split between two 3-hour sessions. Candidates must attend both sessions.

Morning session (3 hours): 120 multiple choice questions, covering all topics
Afternoon session (3 hours): 120 multiple choice questions, covering all topics

On average, you should allow approximately 90 seconds for each multiple choice question. You may need more or less time, depending on the question and how well you understand the topic.

he CFA Program enables candidates to customize their preparation to match individual needs and circumstances. Following are some numbers to consider in planning a study strategy for the CFA Level I exam.

The average successful candidate reported spending 303 hours studying for the Level I exam offered in June 2019. Since studying for the CFA Level I exam is self-paced, candidates will spend varying amounts of time preparing for the exam depending on how long they have until their exam date. For example, if a candidate spent a year preparing for the CFA Level I exam, the candidate would have needed to study about 25 hours per month. On average, a typical candidate takes 4–5 years to pass all three exams. Successful candidates report spending about 300 hours studying for each level, ranging from 303 hours for the CFA Level I exam to 328 for the CFA Level II exam and to 344 for the CFA Level III exam.

Topic Exam Weight
Ethical and Professional Standards 15%
Quantitative Methods 10%
Economics 10%
Financial Reporting and Analysis 15%
Corporate finance 10%
Equity Investments 11%
Fixed Income 11%
Derivatives 6%
Alternative Investments 6%
Portfolio Management 6%

Ethical and Professional Standards
This course introduces ethics, related challenges to ethical behavior, and the role played by ethics and professionalism in the investment industry. A framework to support ethical decision making is provided to help guide behavior. CFA Institute Code of Ethics and Standards of Professional Conduct is examined, as well as the Global Investment Performance Standards (GIPS®).

Quantitative Methods
Introduces quantitative concepts and techniques used in financial analysis and investment decision making. Descriptive statistics used for conveying important data attributes such as central tendency, location, and dispersion are presented. Characteristics of return distributions are introduced. Probability theory and its application quantifying risk in investment decision making is considered.

Introduces fundamental concepts of supply and demand analysis for individual consumers and firms. Also covered are the various market structures in which firms operate. Key macroeconomic concepts and principles are covered, including aggregate output and income measurement, aggregate demand and supply analysis, and analysis of economic growth factors. The course concludes with coverage of the business cycle and its effect on economic activity.

Financial Reporting and Analysis
Offers a thorough explanation of financial reporting procedures and the standards that govern financial reporting disclosure. Emphasis is on basic financial statements and how alternative accounting methods affect those statement and the analysis of them. Primary financial statements are examined, along with a general framework for conducting financial statement analysis.

Corporate Finance
Provides an introduction to corporate governance and investing and financing decisions. An overview of corporate governance is presented along with a framework for understanding and analyzing corporate governance and stakeholder management. The growing impact of environmental and social considerations in investing is also highlighted. Coverage is given on how companies make use of leverage and manage their working capital to meet short-term operational needs.

Equity Investments
Learn to describe characteristics of equity investments, security markets, and indexes. Analyze industries, companies and equity securities, and the use of basic equity valuation models. Global equities are defined as an important class for meeting longer-term growth and diversification objectives.

Fixed Income
Learn to describe fixed income securities and their markets, yield measures, risk factors, and valuation measurements and drivers. Calculating yields and values of fixed income securities will be covered. How to understand securitization of assets, the fundamentals of bond returns and risks, and basic principles of credit analysis are included.

Builds the conceptual framework for understanding the basic derivatives and derivative markets. Essential features and valuation concepts for forward commitments such as forwards, futures, and swaps and contingent claims are introduced. Arbitrage is discussed, a critical concept that link derivative pricing to the price of the underlying.

Alternative Investments
There is discussion of alternative investments, including hedge funds, private equity, real estate, commodities, and infrastructure. The use of alternative investments for diversifications and higher returns is covered. The curriculum defines what alternative investments include, and the characteristics that they have in common.

Portfolio Management and Wealth Planning
Explains and demonstrates the use of fundamentals of portfolio and risk management, including return and risk measurement, and portfolio planning and construction. The needs of both individual and institutional investors are examined, along with the range of available investment solutions. CAPM is used to identify optimal risk in portfolios.

Chartered Financial Analyst Level I (CFA Level I)
Financial Chartered tricks
Killexams : Financial Chartered tricks - BingNews Search results Killexams : Financial Chartered tricks - BingNews Killexams : A Government Fixer’s Tricks of the Trade
Mark Warner, Bill Leighty and Tim Kaine

Bill Leighty (center) at the ceremony where Mark Warner (left), the outgoing Virginia governor Leighty had served as chief of staff, handed over the keys to the Governor’s Mansion to his successor, Tim Kaine. As Leighty recalls, Warner told Kaine, “The heck with the mansion, take my chief of staff!” (Photo: William H. Leighty via Facebook)

It’s a fact of life for public bureaucrats that they almost never get noticed for the things they do, even when their work is spectacularly good or egregiously bad. There are exceptions: J. Edgar Hoover and Robert Moses are famous, more for their excesses than for their achievements. But the overwhelming majority of those who toil in our public bureaucracies, even those in relatively high positions, do it far from the glare of the media or the public at large.

In common with this rule, it is no surprise that William H. Leighty, a civil servant who spent nearly three decades in the bureaucratic folds of Virginia government, is almost totally unknown outside his state and not very well known to most people within it.

Most of the work Bill Leighty did — tax adviser, transportation commissioner, director of the state retirement board, chief of staff to two governors, creator of a state management system widely recognized as one of the best in the country — was done under the supervision of elected officials who got virtually all of the credit for the results that transpired. But it’s arguable that Leighty’s accomplishments over his long career in public service have had more positive impact on life in Virginia than those of virtually everyone he worked under in his decades of employment by the state.

How does a relatively obscure bureaucrat manage that? After a decade in academia following his retirement from the state government system, Leighty has chosen to tell us. In a forthcoming book that he is tentatively calling Capitol Secrets, Leighty documents the strategies and maneuvers he practiced successfully from the late 1970s, when he started out as a legislative aide in the Virginia Senate, to the end of 2007, when he retired as chief of staff to Gov. Timothy M. Kaine.

At the end of his book, Leighty offers a few pieces of advice that may not seem new to many readers. He advises aspiring public servants to tell the truth, share credit, pursue continuous improvement and pay close attention to agency finances. But in the earlier chapters that detail his wins and losses in bureaucratic life, he paints the self-portrait of an exceptionally creative and adroit public servant who knew what all the rules were but also knew when to stretch or even break them in the service of the ultimate public good.

AMONG THE STRETCHES HE DESCRIBES are modest but impressive bursts of pure cleverness. Needing to raise half a million dollars so that the state could buy a piece of land for a bridge that would save a railroad on Virginia’s Eastern Shore, Leighty told a skeptical superior that the property would otherwise go to a noxious seafood processing facility likely to be infested with seagulls. The state bought the land.

Struggling with a stubborn governor who refused to change the route of his official car to avoid a potential terrorist attack, Leighty told him that if the attack was real and the governor died, Leighty himself was perfectly capable of running the state. It was a bluff, of course, but the governor agreed to alter the route.

Some of the stretches shade into little white falsehoods. Upbraided by a high-level Army aide-de-camp for failing to produce a black sedan for a military motorcade, Leighty informed him that a new regulation mandated the use of different-colored cars to reduce the likelihood of a terrorist attack. This was pure fiction, and Leighty conceivably could have been prosecuted for lying to a federal official, but the event came off perfectly and Leighty was given a promotion.

If a crisis situation ever called for some benevolent trickery, it was Leighty’s time in Louisiana as an emergency expert brought in to help with the response to Hurricane Katrina in 2005. At one point, desperate for airplanes to import firefighters to help with rescue efforts, but stymied by local officials, Leighty picked up the phone and pretended to talk to the U.S. Department of Homeland Security. In actuality, he was calling his own cellphone number. But the firefighters got there. At another moment of the crisis, when New Orleans Mayor Ray Nagin was reluctant to sign an order calling for additional outside assistance, Leighty persuaded Nagin’s chief of staff to forge the mayor’s signature. He got away with that one as well.

Leighty could play hardball with the best of them, on large issues as well as small ones. When the railroad freight giant Conrail refused to give up a small amount of track to further the state’s plan to create a new commuter rail network, Leighty convinced a member of the Virginia congressional delegation to propose an amendment challenging Conrail’s ownership of Washington’s Union Station. The amendment was withdrawn, but soon afterward, Conrail agreed to cooperate. When Leighty was Gov. Mark Warner’s chief of staff, Warner’s predecessor, the abrasive James S. Gilmore, organized a rally to protest Warner’s tax-reform initiative. Leighty pulled out a notebook detailing a number of questionable decisions and policies that came out of the Gilmore administration, and showed it to one of Gilmore’s confidants. The rally was canceled.

IF ALL OF THIS INVITES THE CRITICISM that Leighty was a crafty practitioner of situational ethics, it also suggests that in each of these episodes, the ends he sought more than justified the means he employed. He also knew there were situations in which restraint trumped cleverness. Although one of Leighty’s fundamental maxims for a bureaucrat is to stand up to authority, he had a desparate sense of where that boldness needed to stop. On one occasion, after Warner spent hours criticizing his performance, the governor asked Leighty why he wasn’t pushing back against a sustained harangue. The chief of staff replied that “at no point will I ever tell you to go get screwed. … I am the Gomer Pyle of the Warner administration.” A superior bureaucrat may possess a bagful of tricks, but humility has to be in the bag along with them.

Leighty wasn’t just a master of tactical cleverness, he was a bureaucrat with a strategy. When he needed votes on a bill from a balking legislator or a policy move from an agency head, he didn’t just ask for support. He asked what favor he might dangle that would persuade them to go along. Usually they came up with something, Leighty and his boss delivered the favor, and almost always the deal held.

 Former Virginia First Lady Roxane Gilmore, West Virginia First Lady Gayle Manchin, West Virginia Gov. Joe Manchin, Bill Leighty, Queen Elizabeth II and Virginia Gov. Tim Kaine.

Meeting Queen Elizabeth II at a Virginia Governor’s Mansion reception: From left are former Virginia First Lady Roxane Gilmore, West Virginia First Lady Gayle Manchin, West Virginia Gov. Joe Manchin, Bill Leighty, the queen and Virginia Gov. Tim Kaine. (Michaele White, Virginia Governor’s Office)

Along with occasional trickery and a willingness to play hardball, Leighty was a devout believer in bipartisanship. When he came in as Warner’s chief of staff and had the responsibility of choosing agency heads, he rehired nearly all of those who had served in the two previous Republican administrations. Bipartisanship was a crucial reason why Leighty was able to remain in the role of chief of staff for two successive Democratic governors, Warner and Kaine, both of whom liked to tout their own bipartisan credentials. Nationwide, the average tenure for a gubernatorial chief of staff is about 17 months. Leighty lasted five and a half years.

But Leighty’s commitment to bipartisanship was just one piece of his fundamental approach to public management at any level: the crucial importance of building relationships, not just across the aisle but with everyone — elected executives, legislators, agency heads, local leaders and citizen activists pursuing a change in policy. He was a believer in using every possible tactic to further them, inviting them out to lunch, sending them birthday cards, remembering the names of their spouses and children and where the children went to school. “To have a successful career,” he writes in his conclusion, “you need a network. … Your network shouldn’t be limited to only those who hold the same beliefs as you do.” It was in large part clever networking that kept Leighty in positions of public influence for such a long time.

He couples his tribute to networking with one final explanation of his success: his refusal to hold grudges. “It isn’t easy to forgive sometimes,” he admits. “But the act of forgiveness greatly exceeds the burden of carrying a grudge. Keeping score and getting even unnecessarily saps your energy. … Forgiveness allows you to define who you are.”

Not everyone in public life will have the patience, cleverness or skill to emulate the practices that worked for Bill Leighty. But taken as a whole, they are a formula for success — not just in government but in any enterprise, public or private, that requires people to work with, cooperate with and manage other people.

Thu, 13 Oct 2022 08:36:00 -0500 en text/html
Killexams : Fortnite: 10 Building Tips & Tricks No result found, try new keyword!If you are ready to become a top-notch builder in Fortnite then check out these excellent tips and tricks. Whether a life-saving bunker or skyward sniper tower, it’s not Fortnite unless you’re ... Thu, 13 Oct 2022 06:01:00 -0500 Killexams : Simple WhatsApp Tricks You Must Know Killexams : Simple WhatsApp Tricks You Must Know


By Atharv Sharma
Published Oct 07, 2022

Hindustan Times


Staying in touch with your friends and family is made easier using WhatsApp

Credits: Pexels

Here are some simple WhatsApp tricks you must know

Credits: Pexels

If you're panic about your data usage, you can get a breakdown of total number of sent and received messages, as well as data sent and received

Credits: WhatsApp

Simply go to Settings > Storage and Data > Network Usage to review your data usage

Credits: WhatsApp

Replying to messages can be a hassle if you're busy doing something. But you can respond without ever touching your phone with the help of Siri on iOS and Google Assistant on Android

Credits: Unsplash

Say 'Hey Siri' or 'OK Google' to wake your voice assistant, and say 'send a WhatsApp to xxx' and you can dictate your message

Credits: Unsplash

There’s a quick way to mark messages as read without having to go through each message. Hit Edit in the top left corner, and then select Read All at the bottom

Credits: Pexels

Thu, 06 Oct 2022 16:49:00 -0500 en text/html
Killexams : Behind the curtain: How L.A.’s working magicians hone their tricks in private ‘magic jams’

Call them the wonder boys. They’re in the business of manufacturing the effect.

Derek McKee, Franco Pascali and Zach Davidson may look like clean-cut 20-somethings kicking back in an Arts District loft on a Friday night. They’re decked out in designer leisurewear, swig coffee and pass a nicotine vape between them, and the reminiscences and laughter come quick and repeatedly.

“Dude, we have so many good memories!” Davidson says, slamming his hand onto the marble dining table they’re gathered around.

Except the vast tabletop is scattered with about 17 decks of playing cards — some of them unused and still plastic-wrapped, others well-worn — and as they talk, each nonchalantly wields an open deck in his hand, manipulating the cards into extravagant, almost sculptural arrangements.

Davidson, McKee and Pascali are highly trained working magicians, and the moves they’re performing are called “cardistry,” a visually dynamic, kinetic art form that’s part juggling and part “card flourishing,” the latter referring to how magicians manipulate playing cards to give their acts oomph when performing tricks.

Magicians hone their sleight-of-hand skills during small gatherings called “magic jams.”

Cardistry, however, needs no tricks; it’s an art form unto itself. McKee, Pascali and Davidson — who met more than a decade ago through the Magic Castle’s Academy of Magical Arts Junior Society, which mentors young magicians — perform around the U.S. and have mastered some of the most difficult cardistry moves.

There’s the judo flip, spinning and flicking the cards with one hand; the flower fan, achieved by bending the cards lengthwise while spreading them out to create a three-dimensional fan; and L-cuts, a glorified shuffle achieved by sliding cards upward with one’s pinkies.

To watch them all go at it at once feels a bit like sitting inside of a pinwheel in a windstorm, bits of multicolored plastic flipping and whirring erratically across one’s field of vision.

“We’re always in the pursuit of wonder,” McKee says, cutting a deck over and over again with one hand, his fingers rapidly crawling over the card edges as the segments become increasingly slimmer. He’s blasé about it, slunk down in his chair and eyes directed elsewhere, as if subconsciously tapping a pencil on the tabletop while talking.

A magician fans out cards.

“It’s psychology and sleight of hand,” Pascali says of magic. He flicks the cards into the air with one hand so they form geometric, three-dimensional shapes. Poof: suddenly, a Cubist-looking flower!

“It’s a creative, intellectual endeavor,” adds Davidson, swiftly fanning the deck out on the table, then wiping it closed with one quick swoop.

Tonight’s get-together is what magicians call a “magic jam.” It’s a chance to connect with other like-minded magicians and share tips while honing skills. Often magicians will work through a challenging trick at a magic jam, or get feedback on a line of dialogue for a show.

At bigger jams, often held in the backrooms of bars or restaurants, there might be more than a dozen magicians, at different stages of their careers and of varying skill levels, in attendance, with legendary performers mentoring up-and-comers.

But magicians are nothing if not protective of their secrets, and newspaper reporters — particularly those with photographers in tow — are generally not welcomed at such events. Tonight’s more intimate jam, at McKee’s home, is purposeful. The focus? McKee’s upcoming show.

McKee has just wrapped up a show, “This Is Only a Trick,” which ran for six months at the Hollywood Roosevelt’s Cinegrill Theater. The contemporary-style show included new spins on classic magic tricks, with plenty of audience participation and a hip-hop, EDM and pop soundtrack. He’ll be debuting a new iteration of the show at Art Beyond Survival gallery in the Arts District on Oct. 28.

But first, he must figure out how to reformat the material, which played to an audience of 80, for a more intimate crowd of 40.

“I think I can still do card manip there,” McKee says.

“Have you thought about cups and balls as the start of Act Two?” Davidson asks.

“Yeah,” McKee says. “I’d love to do this very beautiful, sitting-at-a-table cups, set to the Willy Wonka song, to close out the show.”

Three men with cards at a table.

Derek McKee, center, and fellow magicians Zach Davidson, left, and Franco Pascali hone their sleight-of-hand skills and work out reformatting challenges for McKee’s upcoming show, to be held in an Arts District gallery.

(Myung J. Chun / Los Angeles Times)

McKee, 28, has a young Leonardo DiCaprio-like, brooding golden boy look to him. He grew up in Littleton, Colo., where he hung out at — and later worked in — a magic shop from age 10.

He’s been performing magic internationally since age 13 — including in Las Vegas and privately for the likes of Elton John and one Dubai prince, who flew him to the United Arab Emirates for a show when he was still in high school. He served as a magic talent scout for NBC’s “America’s Got Talent” for three seasons. He also produces playing cards through his company, “Pure Imagination Projects,” which has sold more than 250,000 decks, he says, since 2013.

The 25-year-old Pascali, a self-described magician, cardist and visual artist, grew up in Glendale and was bitten by the magic bug as early as 4 years old, though he didn’t pursue it until he was 7, after seeing a David Blaine special on TV. He rebelled from magic for a few years, occupying himself with skateboarding and video games instead; with his baggy, brightly colored sweater and shaggy bangs cascading from under a black baseball cap, he still has a skater look to him.

But then he got serious about magic at 14, and it’s been “nothing but full-throttle, increasing exponentially passion” since. Pascali now makes a living “piecemeal” from performing at L.A. venues, such as the Magic Castle and Black Rabbit Rose, as well as at private events, teaching magic on Zoom, doing consulting and freelance work for other magicians and magic companies, and manufacturing playing cards through his company, Cartelago.

Davidson, 24, considers himself to be an entrepreneur and with neatly cropped hair, black pants and a fitted black T-shirt, he looks the part. He grew up in Westwood and is the only one of the group who followed a conventional path and graduated from college — he studied business at USC. He’s now the founder of a venture-backed crypto startup called, not surprisingly, Presto, which aims “to make crypto feel like magic.” But Davidson still performs magic at private events two to three times a year.

“Zach is easily the most adult one of us!” Pascali says.

“That’s not true!” Davidson protests, laughing.

“There are so many different paths of making magic in life,” McKee adds. “I’d argue that it’s not my profession, it’s my lifestyle. Everything revolves around magic.”

Franco Pascali performs cardistry, a kinetic, visually dynamic art form he’s spent years mastering.

Magic has clearly been the binding force in these men’s lives, whether that’s meant hours spent perfecting tricks — McKee and Pascali say they still practice a minimum of five hours a day, 10 to 12 if there’s an upcoming show, whereas Davidson practices on a spot basis — time spent performing onstage or, simply, time spent engaging in magic as a social adhesive like tonight.

Close friends mean that much more to this group, they say, because to get to their skill level, they — most working magicians — spent hours upon hours, entire days, as kids sitting alone with a deck of cards, practicing tricks in front of a mirror with sweaty, calloused hands.

It’s paid off: These guys are purists, they say, meaning no gimmicks or devices to manipulate cards or two-sided coins to aid their tricks.

“We’re like, ‘Gimmick? We’ll do it for real!’” Pascali says.

“We spend countless hours doing something that could easily be accomplished with a gimmick,” McKee adds, “but it’s way more interesting for us to do it just with a solid deck of cards.”

As he talks, slipping playing cards between his fingers, McKee’s hands tremble slightly from having consumed so much caffeine. Coffee is the magician’s drink of choice, everyone agrees. “It keeps you awake and alert and on your game,” Davidson says.

Which is evident in tonight’s grand finale.

“Name a number between one and 52,” Pascali says, his face sparking with expectation. I choose 32.

He begins dealing cards, face down, on the table and asks me to say “stop” at any point. When I do, I’m given a card that he hasn’t seen. (Jack of diamonds, don’t tell.) I place the card back into the deck. A round of cutting and deck shuffling ensues.

As Pascali performs, McKee and Davidson are beaming and nodding their heads encouragingly. They continue to swirl, fan and flip cards in their hands while watching Pascali — it’s like an unconscious cardistry tick.

“The pursuit of wonder,” McKee mutters under his breath.

At the trick’s mind-boggling climax, Pascali has me pick up another, open but untouched box of playing cards elsewhere on the table. He asks me to remove the deck, face down, and turn the cards over, one by one, until we’ve reached the 32nd card. Which — poof! — is the jack of diamonds.

Column One

A showcase for compelling storytelling from the Los Angeles Times.

I fall back into my chair, speechless. The Times photographer is so baffled, he jokes that it’s time for him to depart.

All three magicians burst into ebullient, synchronistic laughter so fresh and boyish, it’s as if they’ve just seen the trick for the first time; there’s collective pride over its success.

“In this world, now, there’s not many things you can point to where it’s, ‘Wow, that really gives me a sense of awe,’” Davidson says. “Magic, for me, has always been the throughline. Even amidst all the chaos in the world, there’s still this one thing that provides a sense of wonder. I think that’s very human.”

And with that, the wonder boys start up again, and the cardistry will continue into the wee hours of the morning.

Thu, 13 Oct 2022 01:08:00 -0500 en-US text/html
Killexams : I’m a home engineer – five radiator tricks that could cut your energy bills now

CHILLIER weather is coming, but if you're panic about how much your heating will cost, there are radiator tricks to cut energy bills.

Millions of households saw their energy bills rise on October 1, after the government's energy price ensure came into force.

Here are a number of radiator tricks to help shave money off your energy bills


Here are a number of radiator tricks to help shave money off your energy bills

It means energy bills have been fixed at £2,500 a year for the typical household for two years, up from £1,971.

Although the ensure means bills are around £1,000 less than what they were previously expected to rise to this winter, many will still be panic about how they'll afford the extra cost.

Putting the heating on is one of the biggest drains on your energy bill, but a number of radiator tricks could help keep costs under control, British Gas engineer Sunny Solanky said.

His tips could help save you hundreds of pounds from fitting foil behind your radiator to fitting thermostatic radiator valves.

1. Fit foil panels

Fitting radiator foil - or tin foil - behind your radiator will save you around £25 a year on your bills, Sunny said.

Instead of your radiator blowing hot air at the wall, if you put the foil behind the radiator, it will reflect it.

This means that you won't that it won't be wasting energy - and adding money to your bill.

"This trick works very well where you have radiators that sit on external walls and in properties with solid walls," Sunny said.

Foil panels can be found at most DIY stores or online and are relatively cheap - or you can use ordinary kitchen foil.

Simply put sellotape on the corner of the foil and pop it behind your radiator.

2. Bleed your radiators

If you don't bleed your radiators, it could stop them from running properly, Sunny said.

There could be air trapped inside your radiator, creating cold spots - and it could be driving up your bills.

"The air pockets prevent the heated water circulating so remember to check your radiators regularly for cold patches and, if there are any, bleed them," he said.

Letting out trapped air is a quick and simple task.

Firstly, you need to turn your heating on to make sure the system is working properly - then check the radiators are fully heated before doing anything else.

Then, you need to see which radiators need bleeding.

To do this, check whether there are parts of the radiator which have cool spots - particularly at the top.

This means that there could be air trapped inside, stopping the radiator from working well.

Then you need to switch off your heating before doing anything else - otherwise you might burn yourself or soak the floor.

You'll need a radiator key - available at DIY shops for £1 - to attach to the radiator valve, which is located at the top of the radiator.

Turn the radiator key slowly anti-clockwise and hold a cloth underneath to catch any water.

If you hear a hissing sound, it means the trapped air is escaping - once this stops, close the valve to stop water from coming out.

3. Don't heat ALL your rooms

Heating up all the rooms in your house is a waste of energy.

You'll save money by just heating up the rooms you need.

Savvy saver Scott Dixon said he saves £683 a year just by heating up one room in his home.

"It’s important not to spend money heating spare rooms or other rooms not in use during the winter," Sunny said.

"So if you know a room isn’t going to be used then make sure you turn the radiator off and close the door to stop cold air circulating through the rest of the house."

4. Reposition your furniture

Furniture placed up against your radiators will block hot air from circulating around the room properly.

That will make your home feel colder - so you'll be more likely to crank up the thermostat, or leave your heating running for longer.

Watch out for your sofa in particular, which is a big bulky piece that is more likely to soak up the heat.

5. Install thermostatic radiator valves

By attaching a thermostatic valve to your radiator, you can limit or turn off the flow of gas into the radiator while the central heating is on.

This will allow you to only heat the rooms you want.

You can set different temperatures for each room too.

"They are very easy to install and have temperature settings – usually from 1-5 – which allows you to keep rooms you don’t use very often at an energy-saving low temperature," Sunny said.

Valves can be picked up for less than £4 - and it could slash £75 a year off your bills.

Households will still get the £400 rebate on bills this winter - here's what you need to know.

While millions of households are in line to get a £150 discount off their energy bills between December and March 2023.

Wed, 12 Oct 2022 19:27:00 -0500 Lucy Alderson en-gb text/html
Killexams : Three mind-blowing Snapchat tricks that we’ve missed for years revealed

SNAPCHAT is full of hidden features and new ones are constantly arriving.

The popular messaging app is known for its quirky little tricks, so you may have missed these gems.

Snapchat has loads of secret tricks to discover


Snapchat has loads of secret tricks to discoverCredit: Getty

Change your Snapchat username

It's only since February 2022 that Snapchat has allowed users to choose a different username.

Platform owner Snap made the big change to help those who have "grown and changed".

There are some rules around it though.

Snapchatters can only switch to a new handle once per year.

And anyone thinking of going for usernames previously used by someone with a big following, think again, as you'll only be able to create completely new ones.

Old usernames you've already used yourself way back are also off limits.

To do it, you must tap the Bitmoji icon in the top right corner of the Camera.

Tap on the gear icon to access settings.

Choose Username, followed by Change Username.

A popup will then appear reminding people they can only change their username once per year.

Type in the new username you want and hit Next.

Finally, log back into Snapchat for it to take effect.


Snapchat is big on filters.

But don't forget, you can unlock even more based on where you are.

It could be particularly interesting if you're on holiday somewhere new.

So next time you're out and about, open it up and see if there are any special ones about.

Save a life

Believe it or not, Snapchat could actually help you save a life.

The app now shows you the steps of CPR all through the power of AR.

A dedicated Snapchat Lens creates a life size digital injured/ill person and places them in the room around the user.

It then takes Snapchatters through important steps of CPR, like checking responsiveness and delivering rescue breaths.

It's all part of an initiative with the Red Cross to educate people on the basic steps and importance of CPR - though it shouldn't be treated as a replacement for in-person CPR training.

It's available on the Snapchat carousel now to mark World Restart a Heart Day.

Latest tips and tricks for social media apps

Social media apps like Facebook, TikTok and WhatsApp have become vastly popular - but are always hiding new features or leading viral trends. So here are some of the best things to know...

We pay for your stories! Do you have a story for The Sun Online Tech & Science team? Email us at

Thu, 13 Oct 2022 03:46:00 -0500 Jamie Harris en-gb text/html
Killexams : Splatoon 3: Tableturf tips and tricks

Between the campaign, Turf Wars, Salmon Run, and competitive modes, there’s no shortage of things to do in Splatoon 3. This latest entry is packed with content to keep you engaged, no matter how you like to play this third-person shooter, but it doesn’t just limit itself to that genre. Despite being a unique game in its respective field, focusing on teamwork and covering the ground with ink over purely eliminating other players, Splatoon 3 went the extra mile to create a fully featured side-game based on their iconic Turf War mode.

Called Tableturf Battles, this card game follows a similar ruleset to Turf Wars, only played in a 1-v-1 format on a grid. At first, this might seem like an easily ignorable distraction, but can actually be a very fun and tactical way to spice up your time in Splatoon 3. Plus, you can earn even more special rewards to bring back into the core game. If you’re not familiar with card-based games like this or are having trouble developing a good deck or strategy, here are some key tips and tricks to help you dominate in Tableturf.

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How to play Tableturf Battles

Staff explaining tableturf.

Before you can even access Tableturf Battles, you need to play enough of the core game modes to at least hit rank four. Once you’re at level four or higher, you can participate in these battles by going to the Tableturf Battle Dojo behind the Grizzco building. Talk to the staff there to receive your first deck of 15 cards and a brief tutorial on how the game works.

The basics of the game are simple to understand but allow for plenty of complexity and strategy as you progress higher in the ranks. Here’s how the game functions:

A single match is 12 rounds long, with you and your opponent each starting with a hand of four cards. These cards have shapes that indicate what squares on the grid you will cover in ink. You both choose a card and where you want to place it at the same time. Note that you can rotate these cards like Tetris pieces to better cover the area. These cards also have a number value on the lower left. This comes into play when you and your opponent play cards that have ink spaces that overlap. If your card is higher, any contested ink square will be yours, and vice versa. If the cards are equal, neither player will claim that area.

You will also notice that almost all cards contain something called Special Spaces. When placed, you will want to surround these spaces in your own color to collect a Special Point (SP). Building up SP allows you to use a Special Attack that can let you play a card directly on top of an area your opponent has already inked, taking it for yourself. The only restriction is that this Special Attack card has to be connected to a Special Space.

After all 12 turns are up, whichever player has the most area of the grid covered in their color ink wins. Depending on how well you do, expect to earn anywhere between around 40 to 150 points per match.

You will only be able to play against NPCs, there’s no PvP mode for this game, and you start out with just one opponent: Baby Jelly. Each opponent has three difficulty ranks to overcome that unlock by beating their current highest rank three times. As you rank up yourself, you will unlock more familiar NPCs from the game to challenge.

Build and upgrade your deck

Building a tableturf deck.

As stated, you are given your first deck of 15 cards, which you are forced to use in your initial battles. However, there are a total of 162 different cards in Splatoon 3 to get. You will earn new cards via Card Packs by increasing your Tableturf rank and Catalog Level, spending Card-Bits, finding them in the campaign, or getting them out of the Shell-Out Machine. Each pack adds five more cards to your collection, but you can never have any duplicates. Any duplicates you would get are turned into Card-Bits. Your deck can also never have more than 15 cards in it, leading to an absurd amount of possible deck configurations. To make things more convenient, you can save up to 16 different deck configurations to swap between.

Once you’ve gotten more cards, you can customize your deck by opening the menu and going to the Status screen. Here, choose Tableturf Battle, and you will see all your cards and be able to build custom decks. While every Card Pack you get has random cards, you can purchase specific individual cards with your Card-Bits. Each card is priced depending on how rare it is, with Common level costing five bits, Rare costing 15, and Fresh at 40.

Upgrading your cards, despite how it sounds, actually isn’t important to winning. Upgrades are purely cosmetic and won’t make your deck any stronger. To do this, you will need those Card-Bits mentioned before. Using the Card-Bit Exchange, you can upgrade any card twice. The first changes the card’s background color, while the second makes the image holographic. Common, Rare, and Fresh rank cards each cost 10, 20, and 30 bits to upgrade respectively.

Try and construct decks with configurations that fit well (literally) together. You want to cover as much area as possible, just like in Turf War, so having cards that link together with as few possible blank spots will save you from leaving points on the table or wasting cards to clean up spots you missed.

Because the grids will change depending on who you’re battling, you will need to adjust your deck to best suit the shape of the map. It’s never a bad thing to try out a match, lose, and learn what cards you would want to best suit the map.

Focus on the center

A tableturf battle.

Unlike in Turf Wars, you should immediately press the offensive by attacking the center of the map with a high-level card right away, rather than covering your starting area. By conquering the middle ground early, you will have a much easier time covering your own territory later, since you will basically be locking your opponent back to their side of the map. If you manage to cut them off early, there’s not much they’ll be able to do in retaliation.

The best way to do this is to give your deck a good number of cards that have nice long edges to effectively wall off space. These are best used early anyway, since later in the game there won’t be many good locations left to fully take advantage of their long coverage.

Pivot to the sides

A speecial attack screen.

Once you’ve fought over the center, you will probably have to cover your flanks right afterward, since maps almost always are too wide to fully block off in a single move or two. This will all vary depending on the layout of your current board, as well as which side your opponent seems to be angling for, but aim to completely block them off from getting a foothold on your side as fast as possible. Even if you just match their card on a flank and make neutral spaces, that’s still better than them creating an opening on your side.

Tableturf rewards

A ton of Splatoon 3 cards.

So, aside from the pure fun of a new way to play Splatoon 3, what are the benefits of playing Tableturf Battles? Well, rewards, of course! There are 50 levels to rank up through, with each one offering something, such as a new opponent, Card Packs, Badges, Banners, Emotes, boards, and Stickers. Each rank will take more XP to hit, but win or lose, you will earn XP. Here’s how much XP you get for how you do and what level opponent you play against:

  • Lose a match – 40 XP
  • Win against a level 1 opponent – 100 XP
  • Win against a level 2 opponent – 115 XP
  • Win against a level 3 opponent – 130 XP
  • Win against a player character around Splastville – potentially 150 XP

As far as rewards go, here’s a full breakdown of what you get at each rank, starting at two, along with how much XP you need to hit that rank.

XP Level Reward
100 2 Rival: Cool Jelly
250 3 Pack of cards
400 4 Rival: Aggro Jelly
550 5 Stage: Thunder Point
700 6 Title: FunTableturf Battler
850 7 Rival: Sheldon
1000 8 Stage: X Marks the Garden
1150 9 Pack of cards
1300 10 Banner
1500 11 Rival: Gnarly Eddy
1750 12 Locker sticker
2050 13 Rival: Jel La Fleur
2400 14 Stage: Square Squared
2810 15 Rival: Mr. Coco
3270 16 Pack of cards
3790 17 Rival: Harmony
4370 18 Stage: Lakefront Property
5000 19 Rival: Judd
5690 20 Card sleeve
6440 21 Rival: Li’l Judd
7250 22 Stage: Double Gemini
8120 23 Pack of cards
9060 24 Rival: Murch
10060 25 Banner (TableTurf Tiles)
11130 26 Rival: Shiver
12260 27 Stage: River Drift
13460 28 Locker decoration (Tri-Stringer Card)
14730 29 Rival: Frye
16070 30 Emote (Card Shark), and badge
17480 31 Rival: Big Man
18960 32 Locker sticker
20510 33 Pack of cards
22140 34 Rival: Staff
23840 35 Stage: Box Seats
25620 36 Locker sticker
27480 37 Locker decoration (Trizooka Card)
29420 38 Rival: Cuttlefish
31440 39 Locker sticker
33540 40 Card sleeve and badge
35720 41 Rival: Agent 1 (Callie)
37990 42 Locker sticker
40340 43 Locker decoration (Smallfry Card)
42780 44 Rival: Agent 2 (Marie)
45310 45 Locker sticker
47930 46 Banner
50640 47 Rival: Clone Jelly
53450 48 Locker sticker
56350 49 Card sleeve
59683 50 Title: The StrongestCard Gamer and badge

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Sun, 09 Oct 2022 02:01:00 -0500 Jesse Lennox en text/html
Killexams : 3 Raspberry Pi Tricks To Get The Most Out Of Your Pi Project

When tinkering with your Raspberry Pi projects, there will often be times when having a monitor connected to your board is inconvenient and unnecessary. You might be turning your Raspberry Pi into a weather station or making a smart human-following robot. Neither project would need a display to fully function, and having one would only make things too bulky to be portable.

However, without a monitor, how do you control your board? This is where the handy SSH feature comes into play. The Secure Shell (SSH) protocol lets you access the Raspberry Pi command line from a remote PC as long as both devices are connected to the same network (via Raspberry Pi). Here's how you can enable this tool from the command line:

  1. Open the terminal window.
  2. Type sudo raspi-config.
  3. Go to Interfacing Options.
  4. Select SSH.
  5. Hit Yes.
  6. Choose OK.
  7. Select Finish.

If you haven't installed the Raspberry Pi OS on your microSD card yet, you can also enable SSH using the Raspberry Pi Imager's advanced options (via Raspberry Pi). Simply click the gear icon on the app before writing the image.

Wed, 12 Oct 2022 05:56:00 -0500 en-US text/html Killexams : 10 Telegram Tricks and Features You’ve Never Seen Before

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Tue, 11 Oct 2022 23:00:00 -0500 en-US text/html
Killexams : Tricks and treats: Retail sales, UMich, et al No result found, try new keyword!"Continued uncertainty over the future trajectory of prices, economies, and financial markets around the world indicate a bumpy road ahead for consumers." Indeed, one-year and five-year inflation ... Fri, 14 Oct 2022 04:46:00 -0500 en-US text/html
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