### WordPress - Web publishing software
Copyright 2011-2019 by the contributors
This program is free software; you can redistribute it and/or modify
it under the terms of the GNU General Public License as published by
the Free Software Foundation; either version 2 of the License, or
(at your option) any later version.
This program is distributed in the hope that it will be useful,
but WITHOUT ANY WARRANTY; without even the implied warranty of
MERCHANTABILITY or FITNESS FOR A PARTICULAR PURPOSE. See the
GNU General Public License for more details.
You should have received a copy of the GNU General Public License
along with this program; if not, write to the Free Software
Foundation, Inc., 51 Franklin St, Fifth Floor, Boston, MA 02110-1301 USA
This program incorporates work covered by the following copyright and
permission notices:
b2 is (c) 2001, 2002 Michel Valdrighi - m@tidakada.com -
http://tidakada.com
Wherever third party code has been used, credit has been given in the code's
comments.
b2 is released under the GPL
and
WordPress - Web publishing software
Copyright 2003-2010 by the contributors
WordPress is released under the GPL
---
### GNU GENERAL PUBLIC LICENSE
Version 2, June 1991
Copyright (C) 1989, 1991 Free Software Foundation, Inc.
51 Franklin Street, Fifth Floor, Boston, MA 02110-1301, USA
Everyone is permitted to copy and distribute verbatim copies
of this license document, but changing it is not allowed.
### Preamble
The licenses for most software are designed to take away your freedom
to share and change it. By contrast, the GNU General Public License is
intended to guarantee your freedom to share and change free
software--to make sure the software is free for all its users. This
General Public License applies to most of the Free Software
Foundation's software and to any other program whose authors commit to
using it. (Some other Free Software Foundation software is covered by
the GNU Lesser General Public License instead.) You can apply it to
your programs, too.
When we speak of free software, we are referring to freedom, not
price. Our General Public Licenses are designed to make sure that you
have the freedom to distribute copies of free software (and charge for
this service if you wish), that you receive source code or can get it
if you want it, that you can change the software or use pieces of it
in new free programs; and that you know you can do these things.
To protect your rights, we need to make restrictions that forbid
anyone to deny you these rights or to ask you to surrender the rights.
These restrictions translate to certain responsibilities for you if
you distribute copies of the software, or if you modify it.
For example, if you distribute copies of such a program, whether
gratis or for a fee, you must give the recipients all the rights that
you have. You must make sure that they, too, receive or can get the
source code. And you must show them these terms so they know their
rights.
We protect your rights with two steps: (1) copyright the software, and
(2) offer you this license which gives you legal permission to copy,
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Also, for each author's protection and ours, we want to make certain
that everyone understands that there is no warranty for this free
software. If the software is modified by someone else and passed on,
we want its recipients to know that what they have is not the
original, so that any problems introduced by others will not reflect
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Finally, any free program is threatened constantly by software
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program will individually obtain patent licenses, in effect making the
program proprietary. To prevent this, we have made it clear that any
patent must be licensed for everyone's free use or not licensed at
all.
The precise terms and conditions for copying, distribution and
modification follow.
### TERMS AND CONDITIONS FOR COPYING, DISTRIBUTION AND MODIFICATION
**0.** This License applies to any program or other work which
contains a notice placed by the copyright holder saying it may be
distributed under the terms of this General Public License. The
"Program", below, refers to any such program or work, and a "work
based on the Program" means either the Program or any derivative work
under copyright law: that is to say, a work containing the Program or
a portion of it, either verbatim or with modifications and/or
translated into another language. (Hereinafter, translation is
included without limitation in the term "modification".) Each licensee
is addressed as "you".
Activities other than copying, distribution and modification are not
covered by this License; they are outside its scope. The act of
running the Program is not restricted, and the output from the Program
is covered only if its contents constitute a work based on the Program
(independent of having been made by running the Program). Whether that
is true depends on what the Program does.
**1.** You may copy and distribute verbatim copies of the Program's
source code as you receive it, in any medium, provided that you
conspicuously and appropriately publish on each copy an appropriate
copyright notice and disclaimer of warranty; keep intact all the
notices that refer to this License and to the absence of any warranty;
and give any other recipients of the Program a copy of this License
along with the Program.
You may charge a fee for the physical act of transferring a copy, and
you may at your option offer warranty protection in exchange for a
fee.
**2.** You may modify your copy or copies of the Program or any
portion of it, thus forming a work based on the Program, and copy and
distribute such modifications or work under the terms of Section 1
above, provided that you also meet all of these conditions:
**a)** You must cause the modified files to carry prominent notices
stating that you changed the files and the date of any change.
**b)** You must cause any work that you distribute or publish, that in
whole or in part contains or is derived from the Program or any part
thereof, to be licensed as a whole at no charge to all third parties
under the terms of this License.
**c)** If the modified program normally reads commands interactively
when run, you must cause it, when started running for such interactive
use in the most ordinary way, to print or display an announcement
including an appropriate copyright notice and a notice that there is
no warranty (or else, saying that you provide a warranty) and that
users may redistribute the program under these conditions, and telling
the user how to view a copy of this License. (Exception: if the
Program itself is interactive but does not normally print such an
announcement, your work based on the Program is not required to print
an announcement.)
These requirements apply to the modified work as a whole. If
identifiable sections of that work are not derived from the Program,
and can be reasonably considered independent and separate works in
themselves, then this License, and its terms, do not apply to those
sections when you distribute them as separate works. But when you
distribute the same sections as part of a whole which is a work based
on the Program, the distribution of the whole must be on the terms of
this License, whose permissions for other licensees extend to the
entire whole, and thus to each and every part regardless of who wrote
it.
Thus, it is not the intent of this section to claim rights or contest
your rights to work written entirely by you; rather, the intent is to
exercise the right to control the distribution of derivative or
collective works based on the Program.
In addition, mere aggregation of another work not based on the Program
with the Program (or with a work based on the Program) on a volume of
a storage or distribution medium does not bring the other work under
the scope of this License.
**3.** You may copy and distribute the Program (or a work based on it,
under Section 2) in object code or executable form under the terms of
Sections 1 and 2 above provided that you also do one of the following:
**a)** Accompany it with the complete corresponding machine-readable
source code, which must be distributed under the terms of Sections 1
and 2 above on a medium customarily used for software interchange; or,
**b)** Accompany it with a written offer, valid for at least three
years, to give any third party, for a charge no more than your cost of
physically performing source distribution, a complete machine-readable
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**c)** Accompany it with the information you received as to the offer
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The source code for a work means the preferred form of the work for
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If distribution of executable or object code is made by offering
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compelled to copy the source along with the object code.
**4.** You may not copy, modify, sublicense, or distribute the Program
except as expressly provided under this License. Any attempt otherwise
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example, if a patent license would not permit royalty-free
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or indirectly through you, then the only way you could satisfy both it
and this License would be to refrain entirely from distribution of the
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If any portion of this section is held invalid or unenforceable under
any particular circumstance, the balance of the section is intended to
apply and the section as a whole is intended to apply in other
circumstances.
It is not the purpose of this section to induce you to infringe any
patents or other property right claims or to contest validity of any
such claims; this section has the sole purpose of protecting the
integrity of the free software distribution system, which is
implemented by public license practices. Many people have made
generous contributions to the wide range of software distributed
through that system in reliance on consistent application of that
system; it is up to the author/donor to decide if he or she is willing
to distribute software through any other system and a licensee cannot
impose that choice.
This section is intended to make thoroughly clear what is believed to
be a consequence of the rest of this License.
**8.** If the distribution and/or use of the Program is restricted in
certain countries either by patents or by copyrighted interfaces, the
original copyright holder who places the Program under this License
may add an explicit geographical distribution limitation excluding
those countries, so that distribution is permitted only in or among
countries not thus excluded. In such case, this License incorporates
the limitation as if written in the body of this License.
**9.** The Free Software Foundation may publish revised and/or new
versions of the General Public License from time to time. Such new
versions will be similar in spirit to the present version, but may
differ in detail to address new problems or concerns.
Each version is given a distinguishing version number. If the Program
specifies a version number of this License which applies to it and
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the Free Software Foundation. If the Program does not specify a
version number of this License, you may choose any version ever
published by the Free Software Foundation.
**10.** If you wish to incorporate parts of the Program into other
free programs whose distribution conditions are different, write to
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the Free Software Foundation, write to the Free Software Foundation;
we sometimes make exceptions for this. Our decision will be guided by
the two goals of preserving the free status of all derivatives of our
free software and of promoting the sharing and reuse of software
generally.
**NO WARRANTY**
**11.** BECAUSE THE PROGRAM IS LICENSED FREE OF CHARGE, THERE IS NO
WARRANTY FOR THE PROGRAM, TO THE EXTENT PERMITTED BY APPLICABLE LAW.
EXCEPT WHEN OTHERWISE STATED IN WRITING THE COPYRIGHT HOLDERS AND/OR
OTHER PARTIES PROVIDE THE PROGRAM "AS IS" WITHOUT WARRANTY OF ANY
KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE
IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR
PURPOSE. THE ENTIRE RISK AS TO THE QUALITY AND PERFORMANCE OF THE
PROGRAM IS WITH YOU. SHOULD THE PROGRAM PROVE DEFECTIVE, YOU ASSUME
THE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION.
**12.** IN NO EVENT UNLESS REQUIRED BY APPLICABLE LAW OR AGREED TO IN
WRITING WILL ANY COPYRIGHT HOLDER, OR ANY OTHER PARTY WHO MAY MODIFY
AND/OR REDISTRIBUTE THE PROGRAM AS PERMITTED ABOVE, BE LIABLE TO YOU
FOR DAMAGES, INCLUDING ANY GENERAL, SPECIAL, INCIDENTAL OR
CONSEQUENTIAL DAMAGES ARISING OUT OF THE USE OR INABILITY TO USE THE
PROGRAM (INCLUDING BUT NOT LIMITED TO LOSS OF DATA OR DATA BEING
RENDERED INACCURATE OR LOSSES SUSTAINED BY YOU OR THIRD PARTIES OR A
FAILURE OF THE PROGRAM TO OPERATE WITH ANY OTHER PROGRAMS), EVEN IF
SUCH HOLDER OR OTHER PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH
DAMAGES.
### END OF TERMS AND CONDITIONS
### How to Apply These Terms to Your New Programs
If you develop a new program, and you want it to be of the greatest
possible use to the public, the best way to achieve this is to make it
free software which everyone can redistribute and change under these
terms.
To do so, attach the following notices to the program. It is safest to
attach them to the start of each source file to most effectively
convey the exclusion of warranty; and each file should have at least
the "copyright" line and a pointer to where the full notice is found.
one line to give the program's name and an idea of what it does.
Copyright (C) yyyy name of author
This program is free software; you can redistribute it and/or
modify it under the terms of the GNU General Public License
as published by the Free Software Foundation; either version 2
of the License, or (at your option) any later version.
This program is distributed in the hope that it will be useful,
but WITHOUT ANY WARRANTY; without even the implied warranty of
MERCHANTABILITY or FITNESS FOR A PARTICULAR PURPOSE. See the
GNU General Public License for more details.
You should have received a copy of the GNU General Public License
along with this program; if not, write to the Free Software
Foundation, Inc., 51 Franklin Street, Fifth Floor, Boston, MA 02110-1301, USA.
Also add information on how to contact you by electronic and paper
mail.
If the program is interactive, make it output a short notice like this
when it starts in an interactive mode:
Gnomovision version 69, Copyright (C) year name of author
Gnomovision comes with ABSOLUTELY NO WARRANTY; for details
type `show w'. This is free software, and you are welcome
to redistribute it under certain conditions; type `show c'
for details.
The hypothetical commands \`show w' and \`show c' should show the
appropriate parts of the General Public License. Of course, the
commands you use may be called something other than \`show w' and
\`show c'; they could even be mouse-clicks or menu items--whatever
suits your program.
You should also get your employer (if you work as a programmer) or
your school, if any, to sign a "copyright disclaimer" for the program,
if necessary. Here is a sample; alter the names:
Yoyodyne, Inc., hereby disclaims all copyright
interest in the program `Gnomovision'
(which makes passes at compilers) written
by James Hacker.
signature of Ty Coon, 1 April 1989
Ty Coon, President of Vice
This General Public License does not permit incorporating your program
into proprietary programs. If your program is a subroutine library,
you may consider it more useful to permit linking proprietary
applications with the library. If this is what you want to do, use the
[GNU Lesser General Public
License](http://www.gnu.org/licenses/lgpl.html) instead of this
License.
6 Ways A Financial Advisor Can Help With Holiday Finances - sinth.info
The holiday season is a time of joy, celebration and giving. But for many Americans, it’s also financially stressful.
Over half — 54 percent — of holiday shoppers expect to feel financially burdened during the 2023 holiday season, according to a recent Bankrate survey. Specifically, 25 percent say they’re stressed about the cost of holiday shopping.
Thankfully, with a little planning, you can avoid stress-inducing financial pitfalls, like splurging on gifts or racking up credit card debt. Speaking with a financial advisor at the start of the holiday season is a smart way to set realistic spending limits and ensure your budget is on track.
Here are six ways to help financially prepare yourself for the holidays.
Need expert guidance when it comes to managing your money or planning for retirement?
Bankrate’s AdvisorMatch can connect you to a CFP® professional to help you achieve your financial goals.
1. Set a budget
It’s easy to get carried away during the holidays, so creating a budget is essential.
Determine how much money you can allocate to different categories, such as gifts, food, travel and entertainment. By setting spending limits, you’re more likely to make thoughtful, intentional purchases.
Be realistic and prioritize essentials. Consider setting aside a contingency fund for unexpected costs. As you shop, make sure to track expenses so you stay within your budget.
“I think it’s also good to create a list of the people you’re buying for and add a dollar amount next to their name as a limit,” says Jarrod Sandra, a certified financial planner and owner of Chisholm Wealth Management in Crowley, Texas.
Does the idea of creating a budget stress you out? A financial advisor can help you set a realistic budget tailored to your unique situation. They’ll analyze your entire financial picture, including your income, recurring expenses and savings goals, so you can set spending limits that are realistic and manageable.
2. Start saving money now
To ease the financial strain of the holiday season, start saving money as early as possible.
By saving long before Christmas decorations hit store shelves, you can build a financial cushion and reduce your risk of taking on debt. If you tend to go overboard with gift giving, a financial advisor can offer guidance on creating a savings plan.
Sandra recommends stashing your savings in a separate bank account for the holidays.
“Once you’ve come up with your dollar amount for gifts, put that money in a separate account, so when it’s gone, it’s gone,” he says.
3. Look for travel deals
Airfare prices tend to increase after mid-October, according to a 2023 survey by Hopper, a travel app that tracks the cost of airline tickets.
The cheapest days to fly are Christmas Eve and Christmas Day, according to the survey. Travelers departing on these dates are expected to save 26 percent off peak prices, or about $114 per ticket on domestic flights.
If you haven’t booked your flights yet — and you don’t love the idea of traveling on Christmas — it’s not too late to find a good deal. Apps like Hopper and Skyscanner can help. Their algorithms identify the best time to book your flight and automatically track prices for you.
4. Take advantage of sales and spread out your purchases
It’s important to consider when and how you make your holiday purchases. By starting your holiday shopping early, you can lessen the blow to your budget in December.
“People tend to overspend when they shop at the last-minute,” says Trae Bodge, a smart shopping expert. “They’re rushing rather than shopping at a leisurely pace.”
While many stores offer deep discounts on Black Friday, don’t assume the sale price is the best price — there will be sales throughout the season.
“Early October is a sweet spot for deals because of Amazon’s second Prime Day, and competitive deals from retailers like Target, Walmart and Best Buy,” says Bodge.
Sales tend to peak around Black Friday and Cyber Monday, but shoppers will also see sales in December, particularly mid-month. “Take your time, and if you find yourself in mid-December and you still don’t know what to get someone, opt for the safest gift of all – a gift card,” says Bodge.
Trying to decide the best time to make a big purchase? A financial advisor can offer insights on strategic purchasing, ensuring that your must-have gift doesn’t derail your financial plan.
5. Avoid debt and buy-now-pay-later temptation
As credit card interest rates top more than 20 percent, Americans now owe more than $1 trillion on credit cards, according to an August report on household debt from the Federal Reserve Bank of New York.
While credit cards can be a great way to earn cash back and travel rewards, it’s important to avoid carrying a balance after the holidays.
By lowering the amount you owe today, BNPL loans may tempt you to spend more than if you were using other ways to pay.
“You’re prolonging the inevitable, just like carrying a credit card balance,” says Sandra.
BNPL loans have become increasingly popular in recent years. These options often seem like an attractive alternative to credit cards since pay-in-four plans don’t charge interest. However, you can still face late fees and BNPL users tend to experience more overdraft charges than non-users.
“Using buy-now-pay-later with multiple gifts can get out of control quickly,” says Sandra. “It’s a lot harder to manage 50 BNPL loans than just having a budget and sticking to it.”
If you’re struggling with debt or you’re worried about overextending yourself, a financial advisor can help you establish a firm limit on your credit usage and ensure you follow your plan.
6. Review your investment portfolio before the end of the year
The end of the year is a great time to review your investment portfolio and tax situation.
A financial advisor can discuss your portfolio’s annual performance and guide you through end-of-the-year strategies like tax-loss harvesting and portfolio rebalancing.
Tax-loss harvesting involves strategically selling investments that have experienced a loss to offset capital gains, potentially reducing your tax liability. You can take up to $3,000 a year in losses to offset your normal income, and any unclaimed losses can be carried forward to future tax years.
Meanwhile, rebalancing involves buying and selling certain investments so that your portfolio continues to align with your desired asset allocation and risk tolerance.
“If you’re set to get a big refund, you could adjust your withholdings on your paycheck to get an effective increase in your take home pay now instead of waiting for tax time,” he says. “This money can go towards holiday expenses.”
Bottom line
The holidays should be a time of celebration, not a source of anxiety. By enlisting the help of a financial advisor, you can financially prepare for higher costs and increased spending. From setting a budget to reviewing your investments, a financial advisor can help you stick to your long-term goals and set you up for success in the new year.