10 things you can learn about money in 10 minutes that will change your life

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If learning how to build wealth is important to you, you’ve come to the right place.

Below, Business Insider has rounded up 10 quick money lessons that will teach you how to master your money – from how to automate your savings to investing in the stock market when you’re not an “investor.”

Of course, this isn’t all there is to know about personal finance, but setting aside a few minutes to tackle these lessons can only put you that much closer to finishing rich.

[“Source-ndtv”]

Everything You Need to Know About For Honor’s Season Two Gear Changes

Everything You Need to Know About For Honor's Season Two Gear Changes

With Season Two of For Honor’s Faction War beginning tomorrow, Ubisoft implemented four distinct changes to gear. The developers aimed to reduce the gap between high and low level gear, have more stat varieties, show the actual stat values each piece carries, and introduce the Epic rarity sets. In addition, the costs to craft gear has been significantly reduced, though the salvage values after dismantling gear has been slightly reduced as well.

All of these gear changes will be available on Xbox One, PlayStation 4, and PC alongside For Honor Update 1.07, tomorrow on May 16.

Base Gear Stats

When you have basic gear (gear score zero), you should still added bonuses:

  • Arms: defense + 0.8%
  • Body: + 0.9%
  • Head: + 0.6%
  • Weapon 1: + 0.8%
  • Weapon 2: + 1.0%
  • Weapon 3: + 1.2%

For example: Weapon 1, 2, and 3 would be the blade, crossguard, and hilt, respectively.

Developer comments: We observed difficulties for certain players to play with new heroes without gear with the new gear values. To help this, default gear now has stats. To note, this does not apply when gear stats are disabled.

Epic Gear

Once Update 1.07 arrives, you should be able to scavenge Epic gear post-match if you are at least Reputation level five.

for honor season two gear

Because of the new gear rarity, the scavenging rules have been tweaked:

  • Rare gear loot rules changed from Reputation level one up to the end of Reputation level six to Reputation level one to the end of Reputation level four.
  • Heroic gear loot rules changed from Reputation level three until Reputation level 30 to Reputation level three to the end of Reputation level six.
  • Epic gear loot rules added to Reputation level five until Reputation level 30.

Developer comments: To accommodate the addition of the new gear, we tweaked the way the gear is looted. To make sure the progression is comfortable, we reduced the amount of levels at which could be looted Rare and Heroic gear.

Overall Gear Stats Revamp

for honor season two gear

Gear Stats have been rearranged on all stats bundles and gear slots:

  • Weapon 1: Attack, Defense Penetration, Block Damage
  • Weapon 2: Attack, Execution Regen, Revive Speed
  • Weapon 3: Attack, Revenge Gain, Revenge Mode Attack
  • Helm: Defense, Exhaustion Duration, Debuff Resistance
  • Chest: Defense, Revenge Mode Defense, Revenge Mode Duration
  • Arms: Defense, Stamina Use, Stamina Regen

Developer comments: To support all our balancing changes, we removed, merged and moved stats to better focus on interesting and varied builds, with more meaningful choices.

New Gear Stat Values

  • Lower rarity gear now has higher modifiers than before.

Developer comments: Common gear wasn’t impacting the gameplay as much as we would have liked. With higher starting values, gear of all levels now feels more satisfying.

  • Modifiers increase faster per level at lower rarities than at higher ones.

Developer comments: Players advising each other on gear strategies always said the same thing: Save your steel for Heroic gear. This means that many players saw very little gear progression until they got their first hero up to Reputation 3. Something that takes a long time. So by making the curve steeper at the low end and flatter at the top, we hope that players will see it as valuable to buy and craft gear of all rarities.

  • Stat penalties have been increased significantly.

Developer comments: Players were hard pressed to even notice the effect of their penalties at anything but the highest gear levels. We hope that by increasing the size of the penalties and removing skills that are of limited use we’ll make all your future gear decisions that much more interesting.

  • New type of stats offering only small and balanced bonuses even at high levels.

Developer comments: We needed to offer a more moderate option for players regarding gear, for players that liked the initial balance of the hero and didn’t want to upset it with powerful bonuses and penalties.

UI Change to Represent Gear Stats

for honor season two gear

  • You can now see the exact numeric values of all stat bonuses.

Developer comments: While gauges are excellent at showing relative strengths and weaknesses of the gear, it was hard to decipher the impact they would have on the gameplay. To actually allow players to make meaningful choices and know the effect of their gear, we changed it to numbers.

  • Added a proportional indicator when comparing gear

Developer comments: To allow to choice gear at a glance and evaluate gear quality, we added arrows right of the gear stat values when comparing gear.

Attack Stats No Longer Affect Feats

  • The gear stat Attack now only affects normal attacks and not Feats or Bleeds.

Developer comments: Having gear affect feats and bleed was both hard to understand and very powerful at higher levels.

New Crafting Prices

Here are the new Salvage Material costs to improve gear:

  • Upgrade Cost in salvage material for Common gear
    • From: Level 1: 20 / Level 2: 30 / Level 3: 40 / Level 4: 50 / Level 5: 60
    • To: Level 1: 10 / Level 2: 13 / Level 3: 16 / Level 4: 19 / Level 5: 23
  • Upgrade Cost in salvage material for Rare gear
    • From: Level 1: 100 / Level 2: 150 / Level 3: 200 / Level 4: 250 / Level 5: 300
    • To: Level 1: 55 / Level 2: 80 / Level 3: 110 / Level 4: 130 / Level 5: 155
  • Upgrade Cost in salvage material for Heroic gear
    • From: Level 1: 260/ Level 2: 390 / Level 3: 530 / Level 4: 660 / Level 5: 790
    • To: Level 1: 195 / Level 2: 255 / Level 3: 295 / Level 4: 335 / Level 5: 375
  • Upgrade Cost in salvage material for Epic gear
    • Level 1: 400/ Level 2: 520 / Level 3: 650 / Level 4: 800 / Level 5: 960

Here are the new Steel costs to improve gear:

  • Upgrade Cost in steel for Common gear
    • From: Level 1: 30 / Level 2: 55 / Level 3: 75 / Level 4: 100 / Level 5: 125
    • To: Level 1: 25 / Level 2: 30 / Level 3: 35 / Level 4: 40 / Level 5: 45
  • Upgrade Cost in steel for Rare gear
    • From: Level 1: 150 / Level 2: 170/ Level 3: 195 / Level 4: 220 / Level 5: 245
    • To: Level 1: 75 / Level 2: 85 / Level 3: 95 / Level 4: 105 / Level 5: 115
  • Upgrade Cost in steel for Heroic gear
    • From: Level 1: 270/ Level 2: 290 / Level 3: 315 / Level 4: 340 / Level 5: 360
    • To: Level 1: 150 / Level 2: 170 / Level 3: 190 / Level 4: 210 / Level 5: 230
  • Upgrade Cost in steel for Epic gear
    • Level 1: 270/ Level 2: 290 / Level 3: 315 / Level 4: 340 / Level 5: 360

Here are the updated salvage values rewarded by dismantling gear:

  • Salvage Value for Common gear (unchanged)
    • From: Level 1: 5 / Level 2: 6 / Level 3: 7 / Level 4: 8 / Level 5: 9 / Level 6: 10
  • Salvage Value for Rare gear
    • From: Level 1:30 / Level 2: 35/ Level 3: 45 / Level 4: 50 / Level 5: 55 / Level 6: 65
    • To: Level 1: 20 / Level 2: 23 / Level 3: 26 / Level 4: 29 / Level 5: 32 / Level 6: 35
  • Salvage Value Heroic gear
    • From: Level 1: 95/ Level 2: 110 / Level 3: 125 / Level 4: 145 / Level 5: 165 / Level 6: 190
    • To: Level 1: 55 / Level 2: 60 / Level 3: 65 / Level 4: 70 / Level 5: 75 / Level 6: 80
  • Salvage Value for Epic gear
    • Level 1: 100/ Level 2: 115 / Level 3:130 / Level 4: 145 / Level 5: 160 / Level 6: 175

Developer comments: Our data showed players had a hard time to level up new heroes and would not craft early gear as much while having an excess of crafting material at higher levels. To improve this, we changed the cost of steel and crafting material as well as salvage value for gear. We hope to offer a smoother curve while keeping higher level gear a long term goal for high level players.

All of For Honor’s gear changes and class changes in Update 1.07 will be available on Xbox One, PlayStation 4, and PC on May 16.

Get into our YouTube channel to find out which games are worth your money this month, including PREY and INJUSTICE 2.

[“Source-pvplive”]

Neighbors, ‘relative’ offer insights about Joseph Jakubowski

JANESVILLE—Neighbors said Joseph Jakubowski was quiet and polite and kept to himself in the few years they knew him.

Another woman, who characterized herself as a “relative” of Jakubowski’s, on Monday said Jakubowski had fallen on hard times in the past few months after he’d apparently lost his job at a local retail store and was unable to find other work or assistance.

Police believe Jakubowski mailed an anti-government manifesto to the president April 4, burglarized a rural Janesville gun shop and then vanished. Investigators continued an intensive local and national manhunt Monday.

Monday afternoon, a woman who pulled a car into Jakubowski’s last known residence at 811 Glen St. told The Gazette she would speak only on condition of anonymity because of safety concerns. She would only identify herself as a “relative” of Jakubowski’s.

The woman painted a picture of Jakubowski as a man who’d been struggling to find equilibrium after she said he’d lost his job at a local Best Buy store then hurt his back doing a pick-up job roofing houses.

“He lost his job, and he couldn’t find another job,” the woman said. “Couldn’t find work. Couldn’t get any help. Couldn’t get food stamps. Couldn’t get nothing. Hurt his back. What do you do?”

Despite those troubles, the woman said, Jakubowski had a history—even recently—of trying to help other people.

The woman said Jakubowski recently had helped mow people’s lawns, and he’d tackle handyman work and repair other people’s cars.

“He helped a gentleman that was taking organs from one hospital to the other that couldn’t get to his job because his car wouldn’t start. He changed the starter so that he could get to work that night,” the woman said.

The woman said she wasn’t sure what would have prompted Jakubowski to mail a 161-page manifesto to President Trump, then burglarize a gun shop, steal more than a dozen high-end guns, and then set his car on fire and disappear, as police believe. But she said it’s not the Joseph Jakubowski she knows.

“I don’t know what happened, or why he snapped. But Joe’s a good person down deep in his heart. Nobody’s printing anything good about him,” the woman said.

The woman said the last time she’d communicated with Jakubowski was at the end of March, when he indicated he planned to move out of the home on Glen Street.

“Joe was making a life for himself. He was making a good life. He just hit a really bad, hard run,” she said.

The woman said two other families live at 811 Glen St. She said one of the families recently moved in, and they don’t know Jakubowski. The woman would not disclose how she knew that information.

The Gazette on Monday knocked on the door to the upper level of the home where Jakubowski apparently lived for about two years, according to police and court records. No one answered.

Jakubowski is a longtime Janesville resident. A 1999 Janesville Parker High School yearbook in Gazette archives shows Jakubowski’s photo, and it has an image of him in uniform as a member of the high school concert band. Jakubowski was a freshman at Parker at the time.

Crystal Duran told The Gazette earlier she knew Jakubowski while growing up near Mercy Hospital and at Parker High School, where she saw him bullied.

“When we were younger, everybody was always picking on him all the time,” she said. “Kids beat him up at school.”

Duran said she never saw him do anything to prompt the bullying.

Jakubowski is well known to local police after minor scrapes with the law, mostly through his many traffic citations.

But in 2008, Jakubowski repeatedly pulled on an officer’s holstered sidearm during a fight with the officer in Janesville, according to a criminal complaint. Three officers eventually subdued him. He was charged with trying to disarm an officer and was sentenced to probation.

Police weren’t releasing much background information about the life of Jakubowski, and beyond characterizing his manifesto as broadly anti-government, police haven’t given much information about insights they’ve developed on Jakubowski’s mental state.

Sheriff Robert Spoden on Monday said the sheriff’s office was still interviewing people Jakubowski knows to gain insights into the man who police consider an armed and dangerous fugitive. He said investigators are working with FBI personality profile experts to try to piece together a clearer picture of Jakubowski’s personality and his mental state in the days leading up to him vanishing.

Spoden said he couldn’t highlight investigators’ findings because he didn’t want to compromise an ongoing investigation.

Jakubowski has been “highly agitated by national politics recently,” according to associates investigators have spoken to, Spoden said earlier.

“When you look at the (manifesto), it is a laundry list of injustices he believes government and society and the upper class have put … onto the rest of the citizens,” Spoden said.

Carol Austin, a landlord at the Glen Street house next door to Jakubowski, and Phil Scriven, one of Austin’s tenants, were outside doing yard work Monday. Both told The Gazette that in the two years Jakubowski lived next door, they’d had limited contact with the man, but they both characterized Jakubowski as “quiet” and “polite.”

Jakubowski once came by to borrow some oil and a set of wrenches from Scriven. Scriven said Jakubowski returned the tools promptly and thanked Scriven.

Scriven said he doesn’t know much about Jakubowski, who he said “stayed to himself and minded his own business.”

Scriven said he knew Jakubowski liked to drink soda—Mountain Dew, especially.

Scriven said it’s been a tense set of days for neighbors who’ve seen SWAT teams set up outside residences on Glen Street a few times.

“To see cops walking around carrying rifles in the neighborhood, all that commotion, it’s been unnerving to say the least, Scriven said. “We’ve had onlookers, sometimes 60 to 70 of them pulling up and down the street when police are here.

“It’s just been unsettling.”

[“Source-gazettextra”]

Advocate: Dept. of Education Funding Materials About Islamic Faith

The president of the Christian Action Network said his group found that the Department of Education is funding thorough lesson plans on the Islamic faith.

Martin Mawyer said that, through PBS, the DOE is disseminating materials that allow teachers to quiz students on what Muslim prayers sound like and what prayer movements look like.


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The plans also are said to help teach students how a Muslim would use passages from the Quaran and Hadith in everyday life.

“How can a teacher grade a student on these types of questions?” he asked.

Mawyer said he was “shocked” at the findings and said there would likely be outrage if a similar lesson plan existed for Christianity or another major world religion.

No similar education programs could be found, he added.

If Christianity was taught in that way, he said the ACLU would “break a leg” trying to get up the courthouse steps to file a lawsuit.

The department of education said they do not fund or encourage use of a particular curriculum.


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[“Source-foxnews”]