3/31/2024 0 Comments Calculate car loan![]() ![]() Knowing your costs from the get-go is important for a couple of reasons. And even if you haggle it down, you could still face a slew of extra expenses, including sales tax, finance charges (if you fail to get pre-approved for a loan), add-ons (anything they can talk you into - extended warranty, prepaid service plan, special seal coating, etc.), and of course, fees. The up-front costs could include a lot more than the listed sticker price. At some point, though, you're going to have to get down to brass tacks by talking with salespeople and finding out what additional costs are going to be added to the base price of the vehicles you're interested in. This will allow you to look at sticker prices and compare the costs for various makes, models, options, and upgrades. You can start simply enough by perusing options online or visiting dealer lots. This is something that can be difficult to determine, especially if this is your first time shopping for an automobile. Best of all, you won't pay anywhere near what you would for the latest model off the assembly line. And you'll enjoy, at the very least, a limited (if not a full) warranty. In addition, the dealership will complete a full inspection and repairs, ensuring you don't end up with a lemon. In short, you'll end up with a practically-new mode of transportation. This guarantees low mileage and generally, minimal damage. The automobiles offered through such programs tend to be just one or two years old, and they're often vehicles that are coming off lease. Many dealerships now offer certified pre-owned automobiles for consumers looking to save some money on a recent model while still retaining the perks of purchasing a newer vehicle, namely the warranty. So if you don't like to haggle, this is a good bet for getting the best possible price. There will be no negotiation - the number is firm. Many dealerships have agreements in place with the Auto Club that provide you with a price that is a set percentage over dealer cost. If you really want to get the best price when purchasing a new or pre-owned vehicle, consider pulling out your AAA card. And walking around with thousands of dollars in currency isn't exactly safe. No matter how much they drop the price, you'll still put money in their pocket one way or another, cash or no. While you might be able to finagle a screaming deal by walking in with a suitcase full of cash, the truth is that no reputable dealer is going to lose money on a sale. So before you even consider signing on the dotted line, talk to lenders about getting pre-approved for a car loan. Of course, pre-approval also gives you a good idea of your budget going in. And chances are good that your bank, credit union, or other trusted lending institution are going to give you a better deal than what you'll get from a dealership. But the truth is that you have more bargaining power when you show up with a pre-approved loan in your back pocket. You can absolutely finance through a dealer if you so choose, and many consumers opt to go this route when purchasing a car, be it new or old. Here are the key points to consider when you're planning to purchase a new or used car. Whether you opt for a modern model or you go for a classic beauty, there are things you need to know going into the process. So you need to take great care to select a vehicle that suits both your budget and your purposes. Automobiles don't gain value (unless you get a classic and restore it, but even then you're probably putting a lot of money into the project). This purchase entails a major expense, and although many consumers assume that a vehicle is an asset, the truth is that you're paying for a tool, plain and simple, one that transports you from point A to point B. If you've never purchased an automobile before, or even if you have, you should know that the process is anything but simple. What You Need to Know When Buying a Vehicle ![]()
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![]() ![]() Doing this will reveal the next face-down card in the column if there are any cards left. For example, if the last card in a tableau column is the 8 of Diamonds, and there is a 7 of Diamonds in the foundation pile for Diamonds, you can then move the 8 of Diamonds there. ![]() As cards are revealed while you are “building” the tableau, you can move them into the foundation, helping you win the game.The goal of moving cards in the tableau is to reveal additional cards. For instance, if the last column has a 7 of Clubs, 6 of Hearts, and 5 of Spades turned over in that order, that group of cards can be moved beneath an 8 of Diamonds and Hearts in another column. Groups of turned-up cards can also be moved to on the tableau. ![]() This means if there is a face down-card remaining after the 3 of Clubs is moved, it should be turned up, and it becomes another card you can build with. Remember that in each of the tableau columns, the last card should always be flipped face-up. This is called “building.” For example, if the third column has a 3 of Clubs, it can be moved to another column beneath a card that is either a 4 of Hearts or 4 of Diamonds. Similarly, cards in the tableau can be moved around to other columns where there is a card of the opposite color and an incrementally higher number.Either a 7 of Spades or Clubs from the stock pile can be placed on top of it. For example, let’s say there is an 8 of Hearts in the third column of the tableau. Stock pile cards can be placed below a card in the tableau if that card is of the opposite color and a number one rank higher.Specifically, the first column has 1 card, the second column has 2 cards and so on until the seventh column, which has 7 cards. The tableau is the group of cards with the seven columns, with the last card of each column turned facing up, and with each column having an additional card. Cards from the stock pile can also be placed in the tableau.If your second card is a 2 of Spades from the stock pile, you can then place that on top of the Ace of Spades in the foundation. ![]() For example, if you happen to have an Ace of Spades as the first card turned over from your stockpile, you can place that card on the foundation pile for Spades. Cards can be moved directly to the foundation if they are in the correct order.These cards can either go into the foundation or the tableau, the area where the cards are laid out in a staircase fashion below the stockpile. Each card is removed from the stockpile one at a time, or three at a time, depending on if you are playing Turn 1 or Turn 3. On the top left, you’ll see a stack of cards.You move cards into the foundation by dispensing cards from the stock pile and sequencing all cards in the tableau. Each pile represents a different suit and should be filled in order, starting with the Ace all the way to the King. These are the four empty areas at the top of the game. To win, you want to place all the cards in the four foundation piles. When you hear the game Solitaire, in general it refers to Klondike Solitaire. Klondike Solitaire refers to the classic version of solitaire. Use hints and undos, and customize your game experience. Please enable JavaScript to play now! More informationĪlways get the greatest new games on frvr.Start playing online Klondike Solitaire. No need to install anything, works without Flash or Java.Works great on any mobile device with full iOS, Android and Windows Phone support.Original soundtrack with smooth West Coast jazz vibe.Relax while you exercise your brain – enjoy Spider! Set your own level of difficulty by choosing to play with one, two, or 4 different suits.Ĭlear, classic graphics and an original soundtrack featuring a smooth west coast jazz style will keep you bopping to the beat as you contemplate your moves. The object is simple enough: remove all the cards from the table, but before you can do that, you'll need to assemble them in the proper tableaus.īuild the cascades 2 ways: from the bottom up with one suit and from the top down using alternating colors. In fact, you're dealing with two full decks of cards. In this take on the classic game of solitaire, you're not dealing with a full deck. ![]() ![]() ![]() You’re only allowed to move a card onto another card if it’s one higher in rank. This is known as the “foundation,” and it’s where your completed sequences go. Leave enough room below the tableau for discard piles. All the remaining cards go in a stockpile at the very top of the tableau. Make sure the top card of each column is face up. You’re going to want to see each card, so place each card slightly lower than the card it’s lying on. However, make sure the first four columns have six cards, and the other six columns have five cards each. Shuffle the cards, and then deal out 54 of them in 10 columns, all in a straight line. Remove the jokers, which should leave you with 104 cards. To play Spider Solitaire, you’re going to need two decks of cards. That’s because you’ve just won the game, which is no small accomplishment when it comes to Spider Solitaire. Once you’ve successfully cleared the board of all cards, give yourself a pat on the back. The objective of the game is to arrange all the cards in a suit so that they go, in descending order, from the king all the way down to the ace.Īfter doing this, you’ll remove the sequence from the board and place it on one of the eight discard piles. You should probably play the Spider 1 suit and Spider 2 suit versions before you try your hand at Spider 4 suit. Spider Solitaire (Patience) is a fun, exciting, and challenging card game you can play online for free. Play our online version today! Here Briefly are the Rules of Spider Solitaire Spider Solitaire (Patience) is one of the most challenging of all Solitaire variations. ![]() ![]() The PDF will show you how to access the spreadsheet and get started with your budgeting journey.įor questions and support, please contact. Choose from single sheet, 1-year, or category selection options, and get automatic color coding and graph features. Thanks to the user-friendly structure of this template, which is very easy to customize, the necessary information is presented comfortably and stylishly. Track your monthly or yearly expenses and budget with these free templates for Google Sheets.
3/31/2024 0 Comments Us population density high res map![]() ![]() Americas population data: Alessandro Sorichetta, Graeme M. and Tatem, A.J., 2012, Population distribution, settlement patterns and accessibility across Africa in 2010, PLoS ONE, 7(2): e31743.Īsia population count data: Gaughan AE, Stevens FR, Linard C, Jia P and Tatem AJ, 2013, High resolution population distribution maps for Southeast Asia in 20, PLoS ONE, 8(2): e55882.ĭownload data from the Worldpop official website Data and Resources Tatem, 2015, High-resolution gridded population datasets for Latin America and the Caribbean in 2010, 2015, and 2020, Scientific Data, doi:10.1038/sdata.2015.45Īfrica population count data: Linard, C., Gilbert, M., Snow, R.W., Noor, A.M. The methods used are designed with full open access and operational application in mind, using transparent, fully documented and peer-reviewed methods to produce easily updatable maps with accompanying metadata and measures of uncertainty.įor all WorldPop datasets, please cite the WorldPop website as the source: Additionally, the following academic publications should be cited for the specific datasets listed:Īmericas population data: Alessandro Sorichetta, Graeme M. It aims to provide an open access archive of spatial demographic datasets for Central and South America, Africa and Asia to support development, disaster response and health applications. The WorldPop project was initiated in October 2013 to combine the AfriPop, AsiaPop and AmeriPop population mapping projects. The mapping approach is Random Forest-based dasymetric redistribution. The units are number of people per Km² per pixel, expressed as unit: "ppl/Km²". Estimated density of people per grid-cell, approximately 1km (0.008333 degrees) resolution. ![]() ![]() ![]() Some monitoring and alerts may not be available to you if the information you enter at enrollment does not match the information in your credit file at (or you do not have a file at) one or more consumer reporting agencies.ĬreditWise Alerts are based on changes to your TransUnion and Experian® credit reports and information we find on the dark web. The availability of the CreditWise tool depends on our ability to obtain your credit history from TransUnion. Tiller (Free for 30 Days, then 59/year (which comes out to roughly 4.92/mo) These guys are great because they combine both automation and spreadsheets Gonna just quote from their site here as it says it all Personal finance spreadsheets without tedious data entry. Your CreditWise score can be a good measure of your overall credit health, but it is not likely to be the same score used by creditors. Your CreditWise score is calculated using the TransUnion® VantageScore® 3.0 model, which is one of many credit scoring models. The third parties listed are solely responsible for their products and services, and all trademarks listed are the property of their respective owners. The EMVCo Contactless Symbol and Contactless Indicator, consisting of four graduating arcs, are trademarks owned by and used with permission of EMVCo, LLC.Ĭapital One does not provide, endorse or guarantee any third-party product, service, information, or recommendation listed above. For specific advice about your unique circumstances, consider talking with a qualified professional. Our content is not intended to provide legal, investment or financial advice or to indicate that a particular Capital One product or service is available or right for you. The Early Retirement Spreadsheet from Smartsheet for Excel is a must-have for anyone planning for early retirement. Utilities like power, phone and internet.Food including groceries and restaurant meals.Variable expenses may change from month to month and can include: Memberships such as gym and streaming TV services.Loan payments, including those for student and personal loans.Transportation such as bus and rideshare services.Rent, mortgage and homeowner association fees. ![]() A bill calendar could help keep track of those.Įxpenses on your spreadsheet can be broken down even further into fixed expenses and variable expenses.įixed expenses remain generally consistent each month but can have small fluctuations depending on usage. Those can include your monthly expenses, plus your bills that aren’t due on a monthly schedule, like annual personal property tax. They can also be broken into subcategories. ![]() ![]() ![]() Superstars will adjust their position in the ring when selling, so matches flow better: instead of bumping and staying down, they head towards the ropes, corner-seated, corner-groggy, apron, etc.
3/31/2024 0 Comments Blue planet seas life![]() ![]() The planet's coasts are changing fast as they are among the most built-up areas of the world. ![]() Then they face a month with no food, before they can return to their natural home, the chilly Antarctic seas. First they must cross the biggest wall of blubber on the planet - thousands of gigantic elephant seals. ![]() Once a year, king penguins return to the cold Antarctic shores of South Georgia for a month-long moult. A male tries to attract a mate, but waves are a constant hindrance. It lives in miniature caves above the tide lines and uses its tail like a coiled spring to jump from rock to rock. Meanwhile, in the remote Pacific islands lives the most terrestrial fish on the planet. Desperate dads must escape the faster and more aerobatic skuas before finally delivering a meal to their young puffling. A father returns with one precious beakful of food. Puffins fly up to 30 miles out to sea to find food for their chicks. Over millennia these forces carve exquisite coastal sculptures and cliffs that are home to huge colonies of seabirds. Predatory starfish turn a magical garden into the stuff of nightmares.Īll around the world, immense waves pound the shore, and this episode reveals some of the largest on the planet, over 30 metres high. But these temporary worlds are a battleground. Elsewhere, the ever-changing tides create rock pools. Both crawl across dry rock to set their ambush. Moray eels launch themselves from rock pools, jaw gaping. Once trapped in the shallows, these huge fish are easy pickings.Īs the tide recedes in Brazil, lightfoot crabs leap from rock to rock, desperately avoiding the water - their lives depend on it. But here the sea lions club together to herd their prey inshore. It should be impossible - tuna are usually far too fast for sea lions to catch. In a secluded cove in the Galapagos, sea lions feast on 60kg tuna. We meet fish that live on dry land and puffins that must travel 60 miles or more for a single meal, and witness a life-and-death struggle in a technicolour rock pool. This episode is a rollercoaster ride of heart-stopping action and epic drama, peopled with characters from the beautiful to the bizarre. The extraordinary animals that live here must find ingenious ways to cope with two very different worlds. Coasts are the most dynamic and challenging habitats in the ocean - that brings great rewards but also great danger. ![]() ![]() ![]() Pingback: PARTY BUS WITH MALE EXOTIC DANCERS Pingback: Jump start you referral campaign Pingback: utsource Thanksgiving day activty Pingback: Electronics thanksgiving day sales pomotion Pingback: Qu? puede hacer el SEO por tu negocio? Nuestro servicio de posicionamiento SEO rankear? tu web para que consigas m?s beneficios y nuevos clientes. Pingback: Measure the effectiveness of your business' marketing with analytics and reports through software like HubSpot and Google Analytics. Pingback: david droste Renter insurance Phoenix AZ 85044 This practice serves to cultivate a sense of shared humanity, bind people together, and motivate them to volunteer their time and energy for a cause they truly believe in.ģ8,971 thoughts on “ Community Organizing, Reflection, and Humane Values” While working in community organizing, reflection is critical in order to make values explicit and meaningful. Reflection on even broader topics, such as core values, can garner even deeper sense of shared purpose, motivation, and solidarity. These moments of short-term concrete reflection are not only helpful for continued organizing, but also serve to unify my team in our larger purpose. It is clear that people here are working for much more than a paycheck, and giving more of themselves than can be measured in an eight-hour workday.Īs a Community Coordinator for Partners In Health | Engage, my community is constantly reflecting on what worked, what didn’t, and what we can do better. I was pleasantly surprised to learn that despite this urgency, time taken for reflection was deemed worthwhile, and even necessary in order to meaningfully engage in the movement for global health equity.īy reflecting on humane values and the intentions behind them, we cultivate skills that prepare us to handle difficult situations and face complex problems (like the ones PIH staff work with every day) with focus, calm, and clarity. Because the nature of PIH’s efforts involves life and death, time is always of the essence. In addition, she stressed the importance of reflection-both on the work itself, but also on how they approach the work, and why they do it. The meeting was run by PIH’s Executive Director Ophelia Dahl, who led a discussion on the organization’s core values: pragmatic solidarity, integrity, humility, commitment, and optimism. I certainly did not expect humane values to be the topic of a staff meeting in a paid work environment. I had expected the meeting to consist of setting timelines, doling out tasks, and reporting on progress-all characteristic of the robotic scene I had associated with corporate America. The office-wide Tuesday Update meeting was illuminating as I began to get a sense of how things are done at PIH. With that said, when I walked into the Partners in Health Boston office, I was happily surprised when greeted by colorful walls, vibrant photographs of PIH’s sites across the world, and humans! The scene usually includes robots working hunched over behind desks, typing furiously to crunch the numbers, motivated by the money. When I think of offices, an image of a cold and heartless gray tundra emerges. This seems to be especially true in the context of the corporate world. In our increasingly individualistic and commodified world, from an assembly line education system to purchasable wedding speeches, there appears to be little emphasis on cultivating humane values such as cooperation and compassion. ![]() ![]() ![]() ![]() 2Įlectrical charge can be delievered via various waveforms, and net effects depend on waveform characteristics. This causes initiation of orthodromic and antidromic action potentials and supraspinal and segmental effects. The electrical lead sits in the epidural space, and the electrical stimuli activate fibers directly below it. 29 In addition to provoking action potentials, electrical stimulation alters the membrane potential of neurons and other cell types exposed to electric fields, thereby altering electrochemical properties of the segments affected. This activation can be measured as action potentials propagated antidromically in peripheral nerves, 23, 24 as epidural action potentials, 25, 26 as somatosensory evoked potentials recorded on the scalp, 25 and as muscle twitches in limb and trunk muscles, 27, 28 and felt by patients as paresthesias. 14, 21, 22 Conventional SCS preferentially activates large Ap dorsal column axons. The bioelectrical properties of the spinal cord have received signficant attention, and a number of reviews have been published on this topic. Large diameter axons have low thresholds for firing action potentials, and thus are preferrentially activated over smaller fibers. As electrodes are typically placed near the physiological midline of the dorsal columns (except in the case of DRG stimulation), electrical stimulation causes activation of dorsal column axons, resulting in orthodromic and antidromic transmission of action potentials that generate segmental and supraspinal effects 2, 14, 17– 20 ( Figure 1). In the case of excitable membranes, such as those found in nearby dorsal column axons, the electric field can trigger one or more action potentials, depending on the bioelectrical properties of the axon (diameter, myelination status, and electrical threshold). The applied fields change the electrical potential across membranes based on the properties of tissues near the electrode, such as the dura, layer of cerebrospinal fluid, and white matter. Fundamentally, SCS, regardless of type, involves the generation of electric fields between metal contacts residing in the epidural space. 14– 16 Some of the new waveforms, such has high-frequency stimulation, have challenged our ability to elucidate their mechanisms of action within the framework of the GCT. 4, 5 The growth of neurostimulation has been fueled in part by the increasing prevalence of neuropathic pain, 6 in particular the upsurge of patients with failed back surgery syndrome (FBSS), 7, 8 and the attempts to use strategies other than chronic opioid therapy to treat chronic neuropathic pain.Īlthough SCS technology has developed greatly in the past decades, 9 the last few years have witnessed the introduction of several novel devices and stimulation modalities, including high- frequency technology, 10, 11 dorsal root ganglion (DRG) stimulation, 12 burst stimulation, 13 and other paradigms. Today, an estimated 50,000 spinal cord neurostimulators are implanted annually. 1 The first reported clinical application of dorsal column stimulation came 2 years later, and the field has gradually expanded ever since. The field of spinal cord stimulation (SCS) owes its inception to the concept of gate control theory (GCT), put forth by Wall and Melzack in their landmark 1965 paper, which proposed that “control of pain may be achieved by selectively activating the large, rapidly conducting fibers”. ![]() |
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