C basicpekerjaan

I need a graphic designer who can create a basic restaurant menu template in Affinity Publisher or provide the document in apub format. It is very important that I have full access to make changes to the final document. The template should have the following specifications: - Be in a 16:9 aspect ratio - Include 3 vertical sections and one footer area for additional information. - Utilize a color scheme that I already have in mind. The design should reflect a casual and fun style. Experience in the following areas would be ideal: - Graphic Design - Affinity Publisher - Understanding of restaurant menu design The project is time-sensitive, so quick turnaround is crucial. I have attached a Card that shows our color scheme, and I have attached an example of our current menu. We d...

Need C# developer to integrate zatca and below actions, Prefer to develop a rest Api to call zatca and input parameter will provide invoice in Json. Anyone has previous experience on zatca integration is preferred, we need to complete as soon as possible. 1. Create CSR certificate 2. Compliance Invoice with simulation and production 3. Clear Invoice with simulation and production 4. Report Invoice with simulation and production Note: We need source code, and it should be configured on our system.

...**Photoshop Skills:** Basic Photoshop skills for editing and optimizing images will be required. This includes making simple adjustments such as brightness and contrast. **Ideal Skills & Experience:** - Proficiency in Shopify store management and design. - Basic knowledge of Photoshop for image editing. - Strong organization and attention to detail. - Excellent communication skills to ensure a clear understanding of expectations and changes needed. **Workload & Timeline:** - **Frequency:** I anticipate needing new products uploaded or existing products updated on a weekly basis. - **Response Time:** A quick turnaround time is important, as these changes need to be made promptly. If you have experience in Shopify management, a good design eye, and the ability...

Hi Damaris C., I noticed your profile and would like to offer you my project. We can discuss any details over chat.

Hi Damaris C., I noticed your profile and would like to offer you my project. We can discuss any details over chat.

Hello, I need a developer with a lot of experience in Java,C#, Python and Socketweb - with the ability to create and solve problems with easy understanding of codes The rest of the details will be given to the correct developer

I'm seeking an expert to optimize my Unity C++, with the specific aim to enhance performance on desktop computers. Key Responsibilities: - Rigorously optimize existing Unity C++ code to ensure faster, more efficient performance. - Utilize best practices for C++ coding to ensure clear, concise, and optimal code. Ideal Candidate Experience and Skills: - Proficient in Unity C++ - Proven experience with code optimization - Deep understanding of desktop application performance enhancement - Knowledgeable in best practices for C++ coding.

I have a basic trading indicator or strategy coded in PineScript, which is used in TradingView. I need this code to be converted into NinjaScript for use in NinjaTrader. Key requirements include: - Expertise in both PineScript and NinjaScript - A deep understanding of trading indicators and strategies - Experience in data integration with NinjaTrader is a plus You must convert the indicator exactly as is in tradingview Please reach out if you have relevant experience and are confident in your ability to handle this type of conversion.

I am seeking an Excel expert capable of preparing a comprehensiv...organizing the data in different corporations by department and years. Be able to extract a P/L and AR for all companies. Project is to be done in stages - Text - Numerical data - Date Information The ideal candidate for this job should have: - Expert knowledge of Excel and related functionalities. - Strong attention to detail. - Proven experience of data entry in large volumes. - Familiarity with basic mathematical operation functions within Excel. The deliverable will be a well-structured Excel document crafted with an understanding of the utmost necessity for accuracy and precision. Please note explicit instructions regarding data categorization and arrangement would be provided to aid smooth execution of ...

...will have strong skills in social media management, data mining, and customer support. We are looking to pay about $100 monthly as this would be about 15 hrs max weekly. Key Responsibilities: - Handling data mining and research: I need someone to assist in researching various topics that pertain to my work as a speaker and coach. - Customer support: You'll also be responsible for providing basic customer support, responding to general inquiries and forwarding more complex issues to me. - Social Media e-mailing: I need someone who can assist in managing my social media accounts, specifically Facebook, Instagram, LinkedIn, and Tiktok. Hours: - I anticipate needing your assistance for less than 10 hours per week. Key Skills: - Excellent written and spoken English. - P...

I would like a basic laravel powered script to fulfill the following needs: 1) Have a users table (user management features not necessary if adds much cost, because I can manually manage with existing database tools) 2) Have a basic UI to login, have list of chats on left, text field/btns and messages on right like the chatgpt UI just more basic with existing framework elements. 3) Save chats in a many to many database (user, chat title, sent messages, received messages) 4) Interact with the chatgpt api using hardcoded or database stored credentials This is a personal project and I am familiar with laravel and php coding, so please do not submit overpriced bids. Be fair and reasonable. The right person would use mostly pre-existing codebase to achieve the desire...

...the capability of: • Changing the detection percentage that should be used to identify peaks and valleys. • The indicator definition has to be faxable to the point I can change it or change it's parameters in order to adjust the peaks and valleys detection b. Modify the code to link each peak and valleys with the specified price action (close, open, high, low, or midpoint) as per my selection. c. The code should be able to identify the divergence in the following order: • Negative Divergence if action price at Peak 1 is higher than action price at peak 2, while indicator peak 1 value is less than or equal indictor peak 2 value. • Positive Divergence if action price at valley 1 is lower than the action price at valley 2, while the indicator valley 1 is...

I am currently in search of an Azure expert proficient in Ruby on Rails application deployment. The aim is to facilitate the deployment of a Ruby on Rails application ...containerization strategy. Ideal Skills and Experience: - Expertise in Ruby on Rails application deployment. - Comprehensive understanding and experience with Azure cloud. - Proven track record with containerization strategies (preferably Docker). - Experience in implementing high-redundancy systems. - Familiarity with AKS or Azure Container Instances would be beneficial. Please note that we already have a basic containerization strategy in place that you'll need to adapt for high-scalability I wont be able to share the application, so it has to be done via a meeting where I can walk you through the code!

I'm seeking a competent and innovative designer to create a Shopify store and a captivating logo for my natural skincare product business. The successful freelancer will assist in bringing my colorful, dynamic vision for a skincare online shop to life. Below are the key requirements: 1. **Shopify Store Creation:** Implementation of a balanced blend of basic and advanced features to optimize user experience. Experts with extensive Shopify experience are highly desired. 2. **Logo Design:** The logo needs to be vibrant and colorful to mirror the image of my natural skincare products. Prior experience with similar aesthetic is a bonus. 3. **Color Scheme: ** The overall design requires a bright and colorful palette to create an appealing and inviting environment. 4. **Industry...

...new set of websites (.EUs), integrated/generated them with an already active set with a lot of basic content (basic analysis, from set .ITs); Objective: digital sale of GREEN RIGHTS, starting in the EU and BRICS area; with option to generate some apps to upload NFT/DeFi (Solidity/ERC721) to specifics cryptocurrency markets; I think of a good system and its subsequent easy management; a lot of material needs to be reorganized, offered in English, with a sober and professional style, similar on every website, with the option of being available in every language (Wordpress); the basic contents and plan in matrix at the bottom in (first column general info, each others column basic contents on specific websites/patent); ...not need easy migration (traslation) ...

...'prompt-to-3D-model' program. Here's what I expect from the final product: - Written in Python: You should be proficient in Python programming, as the entire program has to be written in it. - Geometric Shapes: The software should have the ability to generate 3D models of geometric shapes efficiently. - Detailed Textures: The generated 3D models need to have detailed textures. It's not just about basic shapes; I require more sophistication. The perfect candidate for this project would be someone with substantial experience in Python programming and 3D modeling. Also, knowledge of texture mapping for 3D models will be an added advantage. I am hoping to find someone who can provide quality results on time, while maintaining good communication throughout the p...

I'm looking for an experienced WordPress developer who can quickly and efficiently set up an e-commerce website for me within a 7-day time frame. Though I've not elaborated on specific functionalities needed, I anticipate you'll understand the basic requirements for online store creation. i need: my site i want get look like , $50 if you have quality content price $100 or best offer

I'm in need of an experienced POS developer who can create a merged restaurant and retail POS system. Key functionalities for the restaurant POS need to include table management, online ordering, and inventory management capabilities. For the hardware component, I require the system to be compatible with touchscreen monitors, thermal printers, and bar...online ordering, and inventory management capabilities. For the hardware component, I require the system to be compatible with touchscreen monitors, thermal printers, and barcode scanners. Ideally, the freelancer should possess prior experience in developing similar systems and possess deep understanding of integration of these functionalities with respective hardware. Experienced in: C# and hybrid framework of C# And L...

I've previously dabbled in Apache Beam and am looking for a tutor to guide me in its application with the Pubsub Sink in Java. I'm at a beginner level in Java and my primary goal is to grasp the fundamental concepts of Apache Beam for Pubsub Sink operations. Key requirements include: - Teaching basic Apache Beam principles, especially in the context of Pubsub Sink - Assisting me with Java programming as I aim to apply these concepts - Clarifying any uncertainties I have regarding Apache Beam, Java, and Pubsub Sink using Pipeline - Providing practical examples and exercises to reinforce my learning Given my current skill level and learning objectives, I'm seeking a patient and knowledgeable tutor who can break down complex concepts into simple, understandable parts....

I need a basic Android app for my organisation's internal usage. The sales team calls different customers every day. I want an Android app. Which will collect this data and send it to the CRM API. I have access to all phones, So we can access and give any permission to the app. We don't have to publish it to the Play Store. It can be installed directly. we need datails of call, call duration, location of phone while call was made. was it incoming, outgoing or missed call. Also it should hit API as soon as call ends.

...Demonstrable experience with API integration - Ability to parse specific data from an API response from Google Server - Good understanding of automating tasks in Excel Further Details: - The primary purpose of the project is to send API requests with image URLs listed in column A of the Excel file. Upon receiving the API response, the relevant data should be extracted and placed in column D and B/C/E to be populated. - The setup should be easy to execute when needed by click of few buttons and automatically looping until all rows in excel are submitted by API. - The final deliverable should be in .xlsx format. ATTACHED: - Partial response of JSON API shown in attached screen shot - Format of excel file which shows how the image urls listed on column and other columns

I'm seeking a skilled video editor who can create a 1-2 min video using Adobe After Effects. The video should use motion graphics, audio, FX and video elements for a campaign idea about climate change. The basic idea storyboard is ready. - A brief doc explaining the process followed is also needed. - All working files needed - Final render has to be in 1920x1080 Full HD using h264 codec If you've got experience in creating similar videos, I'd like to see some of your previous work. Prefer working with optimistic people that are focused on building long-term partnerships.

...code reviews and provide constructive feedback. - Troubleshoot and debug issues to ensure the smooth functioning of the platform. - Stay updated on industry best practices and emerging technologies relevant to frontend development. Requirements: - Proficiency in HTML, CSS, ChakraUI, JavaScript, React, and TypeScript. - Familiarity with the MERN (MongoDB, Express . js, React, Node.js) stack. - Basic understanding of version control systems (e.g., Git). - Strong problem-solving skills and attention to detail. - Excellent communication and teamwork abilities. - Passion for learning and staying updated on the latest trends in frontend development. Nice to Have: - Knowledge of UI/UX principles. - Experience with backend development or API integration. Salary Range: The salary for t...

I'm seeking a talented freelancer experienced in PHP development and Database management to restore the reports section of my web application. It is showing this error: Fatal error: Decoding error - Unable to call protected script body in C:xampphtdocsreportslib at line 0. in Unknown on line 0 Knowledge of PHP & myDBR required. Please text me for more details.

...can help me with the visual aspect of my YouTube channel. This project requires a mix of creative skills and video editing, as well as an understanding of content promotion. Requirements: - Thumbnail Design: I'm looking for eye-catching colors and custom typography, in a bold and vibrant style. The thumbnails should be visually appealing and help drive engagement to my videos. - Video Editing: Basic cutting and trimming is needed for my videos. The goal is to keep the edits simple, yet polished. - Promotion: I'm also looking for someone who knows how to promote content well. This could include SEO optimization, social media strategy, and other methods to grow my channel. The ideal freelancer for this project should have: - Proven experience in thumbnail design, video ...

I'm on the hunt for an Google App Script developer who can assist me with the creation of one simple custom user interaction functions. Utilizing your skills in scripting, your main task will be to develop a feature that enables an action when a user clicks on a cell within a specific column. To make this a success, you should: Task: "When ever user clicks on a cell in column G, for popup (yes/no) to show up, and if clicked on yes, for that cell to be populated with today's date. If clicked on no, not to perform this function for 15 seconds." Estimated time for development is 10-15 min. + additional 5-10 min call to confirm deployment on machine.

In pursuit of enhancing my projects, I need a video editor - one specialized in niche video editing. What makes this project unique? * The task is centered around marketing; you should be comfortable and experienced in marketing-related videos. Desired Skills and Expert Ex...videos. Desired Skills and Expert Experience: * Proven background in video editing, preferably advanced level. * Experience creating marketing videos. Prior projects showcasing this skill will give you a competitive edge. * Ability to adapt your editing style to different content types. * Creativity and innovative thinking, to make the videos engaging and effective. This project demands more than basic video editing skills. I value different perspectives. Apply if you believe your special skills fit this de...

...was involved in preventing the attack, and who attempted to perpetuate the attack. Close by discussing the global efforts in counterterrorism and how these efforts affect the presence of terrorist activity. Include sub-headers for all sections of your paper. Include at least five (5) scholarly sources, three of which must be peer-reviewed journal articles. Course materials may not be used. The basic parts of a paper should also be included; these are the introduction section, with a precise thesis statement, the body of the paper with clear, discernable headings formatted to APA style levels of heading where appropriate, and a conclusion that restates the thesis and summarizes the major points of the entire paper. Papers should be formatted in APA style, including separate title...

I am looking for a skilled writer who is fluent in Arabic and has a solid understanding of football. The primary responsibility would be to publish football topics addressing both basic football knowledge and latest updates. Tasks: - Publish well-researched articles in Arabic language based on football - Focus predominantly on football basics, also incorporating latest football news and updates - Cover extensive topics such as football rules, playing techniques as well as positions and formations Skills and Experience: - Native or Fluent Arabic speaker - Demonstrated experience in sports writing, particularly football - Understanding of football basics and ability to translate this knowledge into engaging content - Ability to adhere to deadlines and maintain attention to detail.

I'm in need of a skilled mobile app develo...processing, and real-time systems. Key Responsibilities: - Design and implement machine learning models to analyze and learn from multimedia content to create personalized avatars. - Develop real-time interaction capabilities using advanced NLP and speech synthesis technologies. - Ensure the application’s AI components integrate seamlessly with the frontend and backend systems. - Develop very basic UI/UX and collaborate in the future with UX/UI designers to ensure the application is user-friendly and meets the functional needs of dynamic avatar interaction. Please share your relevant work samples and provide an estimated timeline for the completion of the project. I'm looking forward to working with a dedicated a...

I'm in need of a skilled Matlab programmer who can help me with creating visual representations for my equipment reliability data. I have attached the data. I will need the maximum likelihood and a weibull distribution doing. Key Points: - I'm looking for both basic and potentially more advanced visualizations - so your experience with Matlab and data visualization is crucial. - The data we'll be working with relates to equipment reliability. If you have experience in this area, that would be a great advantage. - I'm not sure yet about the specific types of graphs required. Your advice and input on this will be appreciated. Please share your previous relevant work, and how you'd approach this project. Your understanding of the importance of equipment re...

...loading mechanism for filled cans, which will then be automatically emptied, drained and crushed. Splashing and foaming must be contained within the machine. The crushed cans should drop into a bin. - I have a specific concept in mind using four pneumatic actuators, some sensors and an Arduino based controller however implementation is open to improvements so long as requirements are met. - The basic concept could potentially become a commercial product however I need one to destroy approximately 10,000 cans soon. We could discuss further commercialization of the result if our device works well. - you must be located in the Calgary area and be at least 18 years of age so that you can work with testing filled beer cans at our brewery. No, don't even ask, you cannot v...

...model to the next level. The purpose of this project is to create a visually appealing architectural visualization. Key Requirements: - Intermediate level of detail for the exterior: This includes applying detailed textures and creating basic landscaping around the building. - No specific elements around the building required: The focus is on the building itself. Ideal Skills and Experience: - Proficiency in Sketchup and 3D modeling - Strong understanding of architectural visualization - Experience in applying detailed textures - Ability to create basic, yet realistic landscaping If you're a creative and detail-oriented 3D artist, I'd love to hear from you. Please provide examples of your previous work in a similar field. Thanks and kind regards, Wesley Poll...

I'm in need of a skilled professional who can help me set up and fully configure a new Microsoft 365 account for 19 users. This includes the following tasks: - Complete configuration of Microsoft 365 (not just basic or customized) - Set up and configure Email, Teams, and SharePoint services - Migrate all existing data to Microsoft 365 The ideal candidate should have experience in configuring Microsoft 365 for businesses, particularly for a group of users. Data migration skills are also crucial to ensure a smooth transition. Your ability to provide clear instructions and training to our users will be a plus.

I'm looking to build a chat bot for my website that supports customers in basic inquiries and issue resolution. This role would require strong experience in chat bot development and an understanding of customer support operations. Key Requirements: - Build a functional chat bot for a website platform - Implement chat bot functionalities specifically for customer support - Integrate the chat bot with CRM software for efficient customer data management - appointment booking - Integrate the chat bot with a live chat service for seamless customer interaction Skills and Experience: - Proficient in chat bot development, particularly for website platforms - Experience in designing and implementing customer support chat bots - Familiarity with CRM software integration for chat bots -...

I'm in need of an experienced content editor with strong HTML knowledge. My requirements include: * Editing the existing content on my tasks to enhance readability and quality while maintaining a formal tone. * Adding relevant HTML tags to the edited content. Familiarity with HTML is a must. * Ensuring that all revised content complies with t...Ensuring that all revised content complies with the writing norms provided on this page: * Paying special attention to the introduction sections, key points summary, and conclusion parts of the tasks. This job will suit a meticulous editor with a knack for making complex content clear and compelling. A background in formal writing and basic HTML coding skills will be a plus.

I'm looking to create a dynamic website primarily designed for voters to find each other, after signing up. So, the site should be capable of using geospatial distances in the search for members, which is possible as all members must enter a valid US zip code (preferably 5 + 4 digit, but 5 digit is OK.) These particular points should be...US state that the user enters. - Geospatial Distance Search: A key function needed is the ability to find members based on zip codes, sorting them in order of geographical proximity. No need for location suggestions or geographical visualization of member distribution. Skills & Experience: The ideal candidate should have experience in both DotNetNuke, geospatial distance calculations, and modest C#. (Note: SQL Server supports some native...

I am in need of a proficient developer who can create a trading bot for me that can work on decentralized exchanges, spe...decentralized exchange or through bonkbot via telegram app. - It should be designed to work autonomously, making informed decisions based on predefined parameters that I will provide. - I'd like the bot to be efficient, reliable, and capable of handling high-frequency trading. Ideal Applicant: - Proficient in programming languages typically used for trading bots development (e.g. Python, Java, C++). - Experience in developing bots for decentralized exchanges, particularly Raydium. - Understanding of algorithmic trading principles, market dynamics and risk management. - Must be able to deliver this project as soon as possible, with a strong focus on qualit...

As a proud new homeowner, I'm immersing myself in the task of setting up my dream house in Ash. One important part I need assistance with is the installation of a Sonos sound system in 1-2 rooms. **Requirements:** - Set up Sonos Beam and Songs Roam. Additionally, incorporate 3 other Sonos speakers into the system. - Evaluate whether the rooms are pre-wired for audio distribution - I am unsure of this. For this task, I would prefer someone who has a strong familiarity with Sonos systems and an understanding of audio distribution. Previous experience in audio distribution setups in new builds would be a plus. Sound system integration is crucial for me, so your attention to detail and care upon installation would be highly appreciated.

I'm in search of an entry-level accountant who can handle my bookkeeping needs. As I'm using Busy I need someone who can adapt quickly and help me maintain accurate financial record Key requirements: - Less than 2 years of professional accounting experience. - Proficiency with basic bookkeeping tasks, such as data entry and reconciliations. - Knowledge of QuickBooks, Xero, and Sage is a plus. - Strong attention to detail to ensure the accuracy of financial records. The tasks you would be expected to handle include: - Recording daily financial transactions - Maintaining the general ledger - Reconciling bank statements - Preparing financial reports If you're a self-motivated individual with a passion for numbers and a willingness to learn, I'd love to work w...

...css stylesheet for my existing WordPress site. This may mean editing my theme's and/or other theme files. Your knowledge of the process is very important. I already have an existing web WordPress stylesheet with hundreds of rules. I would like to add new print and pdf rules to that existing stylesheet. Or I can write the rules to a separate stylesheet. I would like you to supply a few basic css rules for proof-of-concept, but I am very comfortable writing css and can take it from there. Ideal Skills and Experience: - Prior experience with WordPress development - Knowledge of print and PDF stylesheets Your significant experience in creating print (and pdf) stylesheets using WordPress will be beneficial for this project. Bring your design skills to the forefront and let�...

I'm currently seeking a part-time position in customer service. Although I have beginner-level experience, I'm eager to learn and improve my skills in this field. Idea Skills and Experience: • Basic knowledge of customer service • Exceptional communication skills • Ability to quickly learn and adapt If you believe my skills align with your needs, please feel free to bid.

I am on the lookout for a skilled technical writer, experienced in Python projects and API documentation. Key Responsibilities: - Create detailed, comprehensive API documentation - Primarily, the documentation should cover the endpoints and methods of the API Ideal Skills: - In-depth understanding of Python - Proficiency in documenting API - Basic expertise in API endpoints and methods Experience with basic-level APIs, consisting of a few endpoints and simple methods is required. Your collaborative skills will be greatly valued, as ongoing communication over the project's course is needed. This is your chance to showcase your technical writing prowess! Deadline - tonight

I'm in need of a multifaceted legal executive assistant capable of juggling a variety of tasks. Your responsibilities will include: - Managing multiple documents with precision and competence - Researching legal cases in depth for relevant and useful information - Efficient scheduling of pertinent appointments and point of contact for client communication - Basic legal research and drafting strategic legal documents. The ideal candidate for this project should possess the following skills: - Proficient in Microsoft Office Suite, particularly Word and Excel - In-depth knowledge of legal software - Familiar with and able to effectively utilize online legal research tools. This role requires a keen attention to detail, high level of organisation, and excellent communication skill...

I'm searching for a creative individual with experience in designing engaging newsletter templates. I'll be sending it through our organisation's email, hence an understanding of basic emailing platforms would be an advantage. While I don't have any specific design or branding guidelines to follow, I would appreciate a suitably professional and visually appealing template. The main content of the newsletters will be news and updates related to our organization. Key Skills: - Graphic design expertise - Creativity - Basic understanding of emailing platforms Preferred Experience: - Previous experience designing email newsletters - Sample of previously designed newsletters would be appreciated.

I'm seeking a skilled R programmer proficient in statistical modeling for survey data. The project specifically requires: - Applying basic descriptive statistics: The statistical model should be aimed at analyzing the survey data. As such, I need someone who can work with the basics of descriptive statistics to provide insights. Ideal Skills and Experience: - Proficiency in R programming and statistical modeling - Experience working with survey data - Strong understanding of basic descriptive statistics - Excellent analytical skills to draw valuable insights from the data.

...Integration: Integrate product listings from WooCommerce into the landing page. Highlight featured products and promotions effectively. Include compelling copywriting to drive conversions. User Experience (UX): Optimize page load speed for an optimal user experience. Implement intuitive navigation and user-friendly interface. Ensure accessibility and readability of content. SEO Considerations: Implement basic on-page SEO practices (meta tags, alt text, etc.). Ensure the landing page is SEO-friendly and indexable by search engines. Customization: Customize the landing page design to differentiate it from standard store pages. Incorporate custom graphics, icons, or animations where appropriate. Footer Fix: Address the issue of the footer not staying fixed at the bottom of the page....

I'm in need of a proficient ASP.Net #C developer who also has considerable experience with the Ionic Framework. My project entails both web development and mobile app development. You will primarily be responsible for application programming. Required a ASP.Net MVC #C Developer to modify and upgrade my existing application and mobile application developed using Ionic framework connected with API. Our existing system was developed ASP.Net MVC framework with C# language. The Developer must be experienced. Beginner developer are requested to not to bid . You should ideally possess the following skills and experience: * Strong expertise in ASP.Net #C development * Significant knowledge in Ionic Framework * Proven experience in both web and mobile app develop...

Sila Dafter atau Log masuk untuk melihat butiran.

I am looking for a proficient Java developer to build a fintech application exclusively tailored for personal use. The application needs to incorporate the following features: - Account management: The software must have ...interface to streamline management and oversight of multiple accounts. - Payment processing: The tool should also be capable of securely handling transactions, with efficient payment processing features integrated. Although this application is not business-centred, it requires basic security measures, thus, experience in implementing secure software solutions would certainly be an advantage. Candidates are expected to have excellent Java development skills, a previous experience in fintech application development, and a basic understanding of personal fi...