Fast Start Finance

It’s National Sewing month in September. Just because it’s sewing month, you ought not forget about crocheting. You don’t have to maintain your mind on sewing, so crochet something nice. I’m always hunting for free crochet patterns, sometimes I don’t have much luck, and you can always find something online.

I love flowers and I love how they smell. I thought to myself 1 day, have you thought to find some free crochet flower patterns. It’s perfect. If I crochet a flower it is going to never wilt or die. We have many crochet flower patterns to talk about.

Free crochet flower hat patterns can be found on our site. My grandma always used to make free crochet patterns for herself, relatives and buddies. I use a hat she made with a ball ahead. It’s my winter hat that I adore a whole lot. I remember she made this really neat crochet flower hat pattern for just one of my sisters. It was a brown hat with light blue yarn with the flower. I was jealous she got the cool hat and I only got the plain brown one.

Did you know you can crochet flowers themselves? I’m marriage next summer and I’m attempting to save money. I’ve arrived at realization that flowers will likely be one in the most expensive things with the wedding. I came across a totally free crochet flower pattern and I fell fond of it without delay. It looked like a bouquet of normal flowers except they were made out of yarn. I wouldn’t need to panic about the travel for your flowers either, as long as they fall over it’s ok. Water won’t drop totally out of a vase and so they won’t break. This may be the most up-to-date invention no person has got word of yet.

The flowers I was planning on using for my wedding were Gerber Daisies. They just employ a fun shape and exquisite bright colors. I learned I can create my crochet daisy bouquet. It’ll do not be as great as my grandma’s crochet flower hat pattern, but it can still be beautiful. Just picturing just what the whole day will look like makes me smile.

I’m unclear if there is a National Crochet month, however, if not, there must be. Start crocheting all of your beautiful patterns now. Get ahead from the game and crochet some nice things for Christmas gifts, you will be glad learn about. And don’t ignore all the free crochet flower patterns we must offer.

Do something nice yourself or for others. Crochet an incredible piece and send it to your charity. This will make you sense good about yourself and it can help somebody out. Crochet an Afghan to hold a baby warm, you may find patterns on our site. Free crochet flower hat patterns would look adorable on the little boy or girl. Crochet hats are usually nice to have with the winter time, especially this winter. The way the weather has become who knows exactly what winter we’re going to own. So start crocheting those patterns.

After a home, a car is probably the second most expensive asset many people buy. That’s why it’s critical you consider the best way to fund it.

In identifying a suitable financing model, there’s no one-size-fits-all. As a buyer, you want a superb choice. You can get a car by getting a personal loan from the bank or organizing financing with car finance dealers.

Neither of the two options is better than the other, and the right option depends on multiple factors. Let’s take a look.

Bank Financing

Bank financing involves taking a loan to buy a car. The loan could be from the bank, building society, or any other financial provider.

If you choose bank finance, you obtain the quote from your car dealer and secure funding from your bank based on your dealer’s price. You seal the deal with the seller using a letter of commitment from the financing bank.

Advantages

• It is the cheapest way to own a car on credit.
• It is quick and can be arranged face-to-face, on the internet or, over the phone.
• The price paid is final and covers all costs

Disadvantages

• You have to wait for the bank to make the funds available
• Monthly payments to the bank may be higher than other options

Car Dealer’s Financing options

Financing options organized by car dealers include;

• Hire Purchase (HP)
• Personal Contract Hire (PCH); and
• Personal Contract Purchase (PCP).

Hire purchase (HP)

Hire purchase is a way of buying a car by securing a loan against the vehicle. In this case, the client pays an initial down payment and the remaining amount paid out in installments spread over a certain period. You only take the car after payment of the final installment.

This financing model is always very competitive for new cars.

Advantages

• The process is quick and effortless to manage
• Offers flexible repayment terms
• Some dealers ask low down payment

Disadvantages

• You don’t own the car until you make the full payment.
• It is more expensive compared to cash terms

Personal Contract Purchase (PCP)

PCP is similar to hire purchase but has lower monthly installments. The lower monthly payments, however, translate to a higher total amount paid for the car.

Under this financing arrangement, as the car buyer, you don’t need to take out a full loan for the car. You only get an amount equal to the difference between the price of the brand new car and its value at the end of the hire agreement.

At the end of the hire agreement, you have three options, namely;

• You can hand over the car to the dealer without paying anything
• You can make the final payment or balloon payment of the resale price of the vehicle and keep it; or
• You can trade the car in and start all over again.

Advantages

• Low down payment
• Low month installments
• A choice of what to do at the end of the agreement
• Flexible repayment terms

Disadvantage

• You risk additional charges as a client if you exceed the mileage
• You can also pay extra charges in case of excessive wear and tear
• You may end up paying a higher amount than what would you would pay in hire purchase arrangements
• You have to pay the outstanding balance to keep the car

Personal Contract Hire (PCH)

In this arrangement, you pay a fixed amount to the car dealer to use the car. The amount includes maintenance and servicing costs. The dealer expects you to return it at the end of the agreement without exceeding the agreed mileage.

PCH arrangement is more expensive than PCP in terms of monthly installments but offers more flexibility to switch providers.

Advantages

• The total cost covers servicing and maintenance
• The buyer pays a fixed monthly cost
• The client does not have to worry about the depreciation of the car
• Offers flexible payment terms

Disadvantages

• Monthly costs are high due to maintenance and servicing costs
• A higher initial deposit equivalent to three months’ rental
• You don’t own the car

Regardless of the financing model you choose, you need to fully understand the exact amount you will eventually pay in each method. Prepare in advance to have all the information beforehand to ensure you don’t pay high prices in the end.

The assured shorthold tenancy agreement is recognized as the default tenancy document which is used in most homes in Wales and England. It is basically an assured tenancy formed including a limited tenure security. The document was introduced in 1988 through the Housing Act then again modified in 1996 with extra additions which are used today. Nowadays, the assured shorthold tenancy agreement is easily the most commonly signed arrangement form which involves the renting of your property with a landlord and agreed to a tenant.

In order with an assured shorthold tenancy agreement being signed, there are numerous requirements that need to get respected. For starters, a tenant can just rent real estate that is offered by the private landlord and tenancy must have started after or on January 15th 1989. The property that may be discussed inside assured shorthold tenancy agreement needs to become the main accommodation in the tenant and also the landlord is just not allowed to live there. This is because the tenant is guaranteed privacy and also the landlord will not be allowed to enter in the home without respecting rules that happen to be included inside tenancy agreement. In addition, the rent needs being under 100 thousand pounds annually.

Tenure security is essential for all tenants though the landlord needs to get able to make decisions too. An assured shorthold tenancy agreement allows the landlord to terminate anything with the use on the section 21 notice. This means that the tenant needs to get notified eight weeks prior to the termination in the assured shorthold tenancy agreement. No minimum period is needed being presented plus the section 21 notice may be used whenever the landlord pleases. However, the tenant will never be forced to throw in the towel the possession in less than 6 months because the tenancy period began.

Any assured shorthold tenancy agreement falls under different exclusion rules that have being protected. The document is not signed from the event that the landlord can be a resident with the property which is rented as well as the rent needs for being under 100 thousand pounds per annum. The tenants are not capable to occupy real estate as a main home of course, if the tenant just isn’t legally considered someone, the assured shorthold tenancy agreement are not signed. In addition, each time a local council would be the landlord, exclusion happens.

In conclusion, the assured shorthold tenancy agreement acts as protection for both a landlord along with the tenant. The document needs to get signed before an official and all of the rules that have been mentioned above have being respected. The legal agreement is binding also it needs being written in plain English so there isn’t any room left for interpretations. In most situations the landlord will probably present an agreement as well as the tenant can accept to it or have a counter-offer. What is essential is to make certain that all the facts discussed are included inside the assured shorthold tenancy agreement which both party obligations are clearly highlighted.

The Indian Partnership Act is really a distinction between dissolution of your firm and dissolution of partnership. Section 39 with the Indian Partnership Act 1932, provides that “the dissolution in the partnership between each of the partners of your firm is named the dissolution of your firm”. It implies the entire breakdown with the relation between each of the partners. But when the previous contractual relation is terminated along with the business continues, it’s a case of dissolution of partnership. Therefore, in dissolution of partnership, the alteration in contractual relation with the partners may arise as a consequence of admission of latest partners, retirement of partners, expulsion or insolvency or death of the partner etc.

In Simple words:
When the relation between the many partners of the firm ends it is dissolution of firm.

When any on the partners dies, retires or become insolvent however if the remaining partners still accept to continue the business on the partnership firm, then it can be dissolution of partnership not the dissolution of firm. Dissolution of partnership changes the mutual relation on the partners.

Modes of dissolution

A partnership might be dissolved through using modes

By Agreement:
A partnership may be dissolved according to the terms on the Partnership Deed or on the separate agreement

BY Notice:
A partner can dissolve it through providing written notice of dissolution along with other partners duly signed by him if the partnership reaches will.

By expiry of their time:
Partnership may dissolve if is designed for a particular period of your energy and that period has expired.

Dissolution through the court:
The court may dissolve a strong at the suit of your partner on any from the following grounds:

Insanity
Permanent incapacity
Guilty conduct

Compulsory dissolution:
IN case if any in the following event comes about dissolution become compulsory

Insolvency of Partners
Unlawful business

On the happening of certain contingencies:
Dissolution of the firm develops on happening of certain contingent events i.e.

Expiry of period
On achieving specific task
Death of the partner
Resignation of partner
Insolvency of partner

Salient Features of dissolution

Statement of Account: Partners will probably be provided statement of account in the partnershipwhich willinclude complete report on inventory in addition to assets liabilities and debts within the agreement.
Distribution of assets: Distribution of assets liabilities will probably be according to the first partnership agreement.
Tax Obligation: Liquidating partners or representative will determine the tax obligation and shall then prepare and file all tax forms and/or returns.
Release: Each partner shall release the opposite partners all known claims, actions and demands arising in the agreement.
Indemnification: The partners opted for indemnify and hold harmless from claims obligations and damages regarding his/her duties in liquidating the partnership.
Disputes: Disputes should be resolved through arbitration in the agreement.

Check List

While Dissolving a partnership agreements partners should think about the following check list

Performance of Duties
Make sure contracts the dissolution which you and your partner have performed all of your current duties in the original agreement: when the dissolution is signed, the main agreement is void.

Review Agreement
Review the first agreement and draft a set of each party’s rights and obligation.
Make keep your interests have satisfied.

Debts and Obligations
It is vital to inform your colleagues the partners don’t be responsible for each other’s debts and obligations

Notice
Most important portion of dissolution is usually to give actual written notice on the dissolution to all from the partnerships’ suppliers, customers, and clients. Publishing notice in the dissolution inside a newspaper is just not sufficient. Notice has to be very clear. A notice once given are not withdrawn without consent with the all the partners.

On Tuesday, the Palestine Liberation Organization’s ambassador for the U.S. announced how the future Palestinian state are going to be free of Jews, a declaration that’s also been created by West Bank Palestinian leader Mahmoud Abbas. This will not bode well for just a treaty of “peace and security” between Israel along with the Palestinians.

As if timed to travel along together with the above declaration, also on Tuesday, Hamas requested the overthrow with the Oslo Accords. The Oslo Accords make reference to an interim peace agreement produced in 1993 between Israel as well as the Palestinians, led at that same moment President Bill Clinton. Hamas would be the Palestinian (terrorist) party that is certainly in rule in Gaza (which neighbors Israel towards the southwest), which includes in its political charter desire to to eliminate the Jewish nation.

These are simply a couple with the many hints how the Palestinian leadership doesn’t want peace with Israel. They also demonstrate that Israel’s search for “peace and security” will never be met with a treaty with all the Palestinians, and, obviously, the Israeli leadership recognizes that.

The Bible predicts that Israel will sign a treaty that can appear to guarantee peace and security. However, presently, this definitely seems to be a long-shot possibility. Since the charters of both Hamas and Fatah-the teams of Palestinian leadership with whom Israel will have to deal if this signed a treaty with all the Palestinians-call for that elimination on the Jewish nation, it would appear which the fulfillment of God’s prediction of which a treaty of peace and security will indeed be considered a miracle, unless…

But suppose Israel’s next treaty are not with the Palestinians? What if God will fulfill His predicted treaty inside a far different way? In fact, that may be exactly what His word indicates. The end-times, seven-year treaty signed by Jewish leaders later on will be co-signed by ten leaders of other nations-and not because of the Palestinians. In fact, which will be the treaty that may appear to satisfy Israeli leadership’s search for peace and security. It will also function as treaty that can start time ticking within the final seven years leading for the return of Christ.

But to go to that point, it seems that a miracle will need to pass place. After all, the indication in Bible prophecy is five of the co-signers seem to be leaders of Middle East states-Israel’s neighbors. Yet, there is no secret that Israel is enclosed by enemies on the sides. This includes Israel’s neighbor to your south, Egypt, where Jews are hated. It also includes Turkey, one country taken out of Israel, where Prime Minister Erdogan is directing a campaign against Israeli leadership. Then there could be the Gaza strip, bordering Israel about the southwest, where Hamas has stoked a crisis situation with Israel. Let us remember Syria, bordering Israel about the northeast, Lebanon, bordering Israel to your north, along with the Palestinians for the east.

Things currently look harmful to Israel. In fact, they can not look worse unless some in the neighbors were threatening war. As a matter of fact, some are. Hamas is firing missiles while on an almost daily basis from Gaza, Hizbullah has declared war and is also mounting up weapons on an attack, Syria, which will be creating much greater trouble for Israel when the regime just weren’t hanging on for dear life, has declared its need to have war with Israel, and they’re all being pushed by the regime slightly stripped away from the immediate neighborhood-Iran.

However, Bible prophecy demonstrates that, down the road, the area will begin to align with Israel, mainly because it participates in doing exercises a peace treaty by incorporating European leadership. In addition, while using alignment of countless other key cogs with end-times Bible prophecy, it would appear that this alignment will not be set in the distant future.

So how could this be? Let us bear in mind that God is at charge. All of this is fitting into His want to perfection, and it’s also no problem for Him to change things around overnight. In fact, it would appear that God uses the very uncertainty that now exists in the Middle East to come up with His predicted plan.

The Arab Spring has risen uncertainty in the Middle East. In fact, nobody seems to experience how it will all shake out, on account of revolts and protests in the community. The Spring continues to be responsible to the depositions from the Tunisian government and also the Egyptian leadership and may lead to your ousting of Syrian President Bashar al-Assad. Moreover, it really is producing insecurity through the region.

In general, God make use of this uncertainty to glorify Himself, as He will demonstrate that only He is within control. More specifically, He will more than likely use the instability in the community to prepare for end-times fulfillment. An unstable region is which will change more speedily if certain events occur. For example, while using present conditions available, in the event the Syrian and Iranian regimes are deposed in the future, the location would quickly answer it by subduing terrorism and opening to work with Israel with a treaty of “peace and security.”

Thus, it seems that God is applying this uncertainty and instability to align with His prophetic word. So try to find some dramatic changes to occur within the horizon-changes that may perfectly align using what God has recently predicted.

Reflections with the timeless attractiveness of Scandinavian design are back in your home front of numerous households. A blend of Swedish, Danish, and Norwegian creativity makes Scandinavian interiors into exactly what stands for today.

Scandinavia, being a country, is marked for the poor sunlight and in all likelihood this will be the reason why Scandinavian home design is created in a fashion that fills up an airy and well-lit room. The hallmark these designs is based on its stylish yet casual look. Color combinations lean more for the pastel light shades of beige, white, light blue etc., having an exception being made out of the bright red that contrasts well together with the remaining lighter shade tones.

The typical fabric utilized in designing most interiors is certainly caused by from cotton or linen stripes or checks. Variations are also available in the sort of floral patterns that complement the Scandinavian appearance. As far as their furniture goes, the wood used is very useful quality of pine, beach or ash and in most cases the sleek look dominates all the different furniture. Cushioning with adequate ease and comfort is provided.

Slender and tapering legs carved into perfection typically characterize the items of furniture. The highlight of these design will be the feel of space it offers doing away with any clutter. The high-walled ceilings, in addition to floors, made out of hardwood give a spacious impact to your surroundings. Since sunlight is restricted, the lighting is given due prominence with lots of chandeliers, lamps and mirrors. Accessories like wreaths or candles etc. are positioned without much crowding and many striped rugs mixed in for a complete aesthetic look.

It is one of the primary employers on the globe. It consumes a large chunk individuals money. It is the retail industry.

Retailing is often a massive, passive beast that pervades most our lives. Virtually all people shop, sometimes like a pleasure and sometimes as being a burdenous chore.

But when and the way did it all begin? The answer is probably regarding surpluses. As we became accomplished at cultivating the land, a number of people found that despite feeding their own families and animals and putting food into storage, there was clearly some leftover. Rather than waste this surplus, it absolutely was traded for other surpluses or maybe tools and other objects.

Those which in fact had enough land and were particularly efficient at producing food from that would have pointed out that they were onto a good thing by deliberately producing surpluses. Eventually the informal trade in goods can have become more organized, with central markets being formed where these producers could easily get together often in order to exchange goods.

Of course, trading goods for other goods is perhaps all very well in anticipation of having just about every thing you’ll probably ever need, or perhaps the product you need has not produced. In order to get with this in mind, people began to owe goods with people. Early varieties of credit could possibly have just been verbal agreements. As time passed, some traders and producers thought we would keep a record with the items was owed. One way i thought this was done was from the debtor leaving some collateral while using creditor – some object or perhaps animal which was held from the creditor before the debt was paid. This was OK before the debtor needed the tool or animal so as to produce the goods that were owed. An alternative way of denoting credit ended up being use a symbolic object, for instance small animal. Since small animals usually are not very portable, it became more normal to make use of small inanimate objects like pebbles. Over time these small object became more decorated and valued and at last metal coins and paper notes became an increasing number of familiar. So early trading gave rise to money.

As time passed, some producers could have found these people were better at selling the products than growing them (or possibly enjoyed it more!). Others preferred to keep to growing. So there seemed to be a gradual separation with the producers and also the traders.

The Gucci Classic Bag is probably the numerous products inside the Gucci Canvas bags stable. Other members in this stable add the likes in the ‘black and coffee’ Gucci Bag, the Gucci Message Diapers bag, the Beige Plus Brown Gucci Leather Bag, the Large Boston Bronze Gucci Bag and also the Medium Tote (161836) Black Gucci Bag; and others. Some of these are bags that I previously had the opportunity to make use of. But of all, it truly is Gucci Classic Bag that I have gotten most enchanted with.

Like most high-end Gucci Bags, the most known thing about Gucci Classic Bag is its elegance; who’s oozes of whatever angle you perceive it from. Looking at it keenly, it emerges that cream is just about the background color about it, with grayish patterns emblazoned across its body, within a diagonal setting. It does look a ‘classic’ bag in most sense. There is a hint of red about the bag’s handle, together with black.

Gucci Classic Bag is very a large bag. Here, we’re also looking at an astonishing 43 centimeters high, some 41 centimeters in width, and many 10 centimeters complete, clearly more space than most handbag user’s can ever find usage for. With dimensions honestly, this can be a bag it is possible to carry to the office from the morning (to be a handbag), and convert in a (light) shopping handbag after office hours. Indeed, even for short distance travelling, Gucci Classic Bag may be a great bag.

Gucci Classic Bag’s dimensions, at 41 x 10 x 43 also ensure it is the ideal bag with the growing volume of women who have a preference for big handbags.

For a closure mechanism, Gucci affords the users of Gucci Classic Bag using a zipper. Notable about it zipper – which can be about the only little bit of hardware around the bag – is that it can be made from a cloth that is durable (so that it truly is not the type of zip that falls apart once you leave the vendor’s store). This material about the zipper is additionally one that may be able to maintain its sheen together with the passage of your time. This is important, since there has been a feeling in a few quarters that zips as well as other pieces of hardware on handbags are meant to only last as long as being the handbag stays inside vendor’s warehouse; beginning to decline alarmingly the second the bag is put into practical use. Another point, form zipper, where hardware can have found application for the Gucci Classic Bag reaches the point where the handle is enjoined to body in the bag. But inside the case of Gucci Classic Bag, the handle is sewn about the bag, as opposed to hooked on top of the handbag using some type of metal clips.

What may be said in regards to the products from Apple? Yes, Just awesome. With every single product, the Apple increases the users such amazing features from the electronics devices that this users cannot even imagine about. Again there’s Apple iPad that’s proving itself this type of superb device it is considered as an argument and an great idea from the world in the consumer electronics. Under various Apple iPad contract deals, this revolutionary product can be availed with several lucrative offers. The users ‘ve got the fancy odds of having this unique device with such really cheap iPad deals.

The popularity from the Apple iPad can be so high that Apple is able to sell around 3 million units of iPads since its launch in April 2010. Actually it is a tablet computer that fulfills a great deal many needs in the users in the easy and convenient manner. Actually it’s mainly built to provide the users the characteristics related with intake of media files for instance books, magazines, movies, music plus the games files. The great viewing experience along with the superb storage features, this gadget rocks from the tablet computer market. For a gamers, there are various Apple iPad contract deals can be purchased comparing that the users might get this iPad with volume of offers.

Talking regarding the various eye dazzling highlights of this amazing device, we find it is equipped with a 9.7 inches LCD touchscreen with the functions like fingerprint resistance and scratch resistance glass. Also the storage choices for the 16GB, 32GB and 64GB internal storage. The users can select the device with all the storage capacity in accordance with their need. Along with all of these, the unit also supports the Internet connection facilities together with the use of GPRS, EDGE and Wi-Fi technologies.

The several useful applications, that this users can avail under several Apple iPad contract deals, with this phenomenal device are the Safari internet browser, calender, iBooks, Maps, iTunes, YouTube and Google Mail. Besides these users have the options of downloading several applications to this particular gadget and make use of them accordingly.

The Ultimate Survival Guide for locals, expats along with all those who have to live and assist them.

Whether you merely arrived at your own overseas posting, or really are a long time seasoned expatriate manager with numerous experience, I hope that his short paper will put a smile with your face.

Imagine that certain day out in the blue a sizable ship, bigger than one you have ever seen arrives. Big men, and strange beasts land with your land, brandishing modern weapons of mass destruction, riding intimidating four legged creatures emitting strange sounds, and demand you turn over your riches, your land, your females and children.

The conquerors are small in number, but big in power. They have superior weapons, better tactics, are better educated and built. Your numbers are larger, but they’re no match in their mind militarily. Pizarro landed around the coast of Peru in 1531 with 168 Spanish soldiers and proceeded to conquer the Inca Empire of millions.

If the foreigner’s numbers are smaller than average and they prefer to stay there for just a short time, of course, if you know that it will likely be difficult for these phones return, slowly change get as often out of them as you can. Tap into his knowledge, steal his weapons, rob his warehouses, and kill them if you possibly could.

But, in the event the newly arrived conquerors appear like they are there to settle, what now ?? You have virtually no competitive advantage on them, aside from local geographical knowledge. And time. Time is in your side. In time, foreigners come and foreigners go though the local inhabitants are there to remain. It’s always been this way, and will also always be prefer that. What do you do to live?

There are two principals who have guided conquered progressed history of their survival:

Principal One: The conqueror has absolute management of you. He can hurt/maim/kill you at any time. At a whim.
Principal Two: Under any circumstance, always remember Principal one.

Survival Guide for Conquered Peoples 101

How to thrive and outfox the foreigner until he leaves?

On Everyday Guidelines:

Smile at all times. Smiling doesn’t hurt anyone. The foreigner could even smile back. Some with the foreigners that smile back could even think which you are sincere.
The ones which are foolish enough to trust in your sincerity could possibly be cajoled into assisting you to with special favors.

Always greet the foreigner first. Greet several foreigners as you can. This will make them feel important. Since you happen to be the one that ensures they are feel important they may look out for you.

Say “yes” constantly. To anything and everything. Even when you mean “no” say “yes”. Purge the term “no” out of your vocabulary.

When asked or ordered to behave, always agree. Disagreeing could mean punishment as well as worse, instant death.

On Work or Rather On How Not to Work

Of course, agreeing to behave does not necessarily mean you will take action!

You are capable of doing the work slowly. The foreigner typically has deadlines he or she must meet in the own company/country. If you work slowly, his patience might go out. He will either make an effort to do the job himself or ask others to help you. Either way, you will get lightened your burden.

You can perform the work badly. If you can pull off it which is. But if you pull that one off one lots of times, the sofa might be for the line.

You can pretend to misunderstand orders. The simple “I no speak” said within the foreigner’s language is generally enough to own them put you from the “useless” box. If they can’t contact you, they cannot ask you to do give you results for them.

You can feign a reduction in understanding if you might be accused of not doing the assigned work. “I failed to understand” said within the foreigners language is often very effective. Sometimes the foreigner might doubt her communication skills.

Play any time game. Don’t finish the task you were given from the allocated time. Then forget about the job altogether. If prompted from the foreigner morning, week or month, that explains why you didn’t finish your projects, say “I understood that you simply only want me to figure that day”

You can also act straight out dumb.