![]() ![]() The lender is issued a lien, which is a right to possession of property belonging to another person until a debt is paid. Secured LoansĪ secured loan means that the borrower has put up some asset as a form of collateral before being granted a loan. There are two basic kinds of consumer loans: secured or unsecured. Generally, the longer the term, the more interest will be accrued over time, raising the total cost of the loan for borrowers, but reducing the periodic payments. The term of the loan can affect the structure of the loan in many ways. Loan TermĪ loan term is the duration of the loan, given that required minimum payments are made each month. Use the Compound Interest Calculator to learn more about or do calculations involving compound interest. In most loans, compounding occurs monthly. Generally, the more frequently compounding occurs, the higher the total amount due on the loan. Compounding FrequencyĬompound interest is interest that is earned not only on the initial principal but also on accumulated interest from previous periods. For more information about or to do calculations involving APR, please visit the APR Calculator. Borrowers seeking loans can calculate the actual interest paid to lenders based on their advertised rates by using the Interest Calculator. It is important to understand the difference between APR and APY. The rate usually published by banks for saving accounts, money market accounts, and CDs is the annual percentage yield, or APY. Loan interest is usually expressed in APR, or annual percentage rate, which includes both interest and fees. For most loans, interest is paid in addition to principal repayment. Interest rate is the percentage of a loan paid by borrowers to lenders. Nearly all loan structures include interest, which is the profit that banks or lenders make on loans. While this does not change the bond's value at maturity, a bond's market price can still vary during its lifetime. Users should note that the calculator above runs calculations for zero-coupon bonds.Īfter a borrower issues a bond, its value will fluctuate based on interest rates, market forces, and many other factors. Instead, borrowers sell bonds at a deep discount to their face value, then pay the face value when the bond matures. ![]() Zero-coupon bonds do not pay interest directly. Coupon interest payments occur at predetermined intervals, usually annually or semi-annually. With coupon bonds, lenders base coupon interest payments on a percentage of the face value. ![]() Two common bond types are coupon and zero-coupon bonds. Face value denotes the amount received at maturity. The face, or par value of a bond, is the amount paid by the issuer (borrower) when the bond matures, assuming the borrower doesn't default. Technically, bonds operate differently from more conventional loans in that borrowers make a predetermined payment at maturity. This kind of loan is rarely made except in the form of bonds. ![]() Bond: Predetermined Lump Sum Paid at Loan Maturity Some loans, such as balloon loans, can also have smaller routine payments during their lifetimes, but this calculation only works for loans with a single payment of all principal and interest due at maturity. Unlike the first calculation, which is amortized with payments spread uniformly over their lifetimes, these loans have a single, large lump sum due at maturity. Many commercial loans or short-term loans are in this category. Instead of using this Loan Calculator, it may be more useful to use any of the following for each specific need: Mortgage Calculatorĭeferred Payment Loan: Single Lump Sum Due at Loan Maturity Below are links to calculators related to loans that fall under this category, which can provide more information or allow specific calculations involving each type of loan. The word "loan" will probably refer to this type in everyday conversation, not the type in the second or third calculation. Some of the most familiar amortized loans include mortgages, car loans, student loans, and personal loans. Routine payments are made on principal and interest until the loan reaches maturity (is entirely paid off). Many consumer loans fall into this category of loans that have regular payments that are amortized uniformly over their lifetime. Amortized Loan: Fixed Amount Paid Periodically ![]()
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![]() ![]() Father, grant that every member of the ushering unit be filled with the spirit of might and power, in Jesus name. Oh Lord, I pray that the ushers be strengthened with might by your Spirit in their minds and in their bodies, in Jesus name.ġ2. Father, grant them spiritual sensitivity and alertness during worship and ministration, so they can work in spiritual sync with the worship team and pastors during services and meetings, in Jesus name. Oh Lord, help them to live worthy and holy lives that will make them invulnerable to arrows from the wicked, in Jesus name.ġ0. Will the unicorn be willing to serve thee, or abide by thy crib? (Job 39:9, KJV)ĩ. Lord, please make every usher in church willing to submit to training in righteousness so they will be skilled in the art of handling and dealing with people, in Jesus name. Lord, I receive for them grace to be patient, grace to show kindness and understanding with worshipers who are high headed, in Jesus name.Ĩ. Oh Lord, grant that my ushers be spiritually smart and sound in dealing with people, in Jesus name.ħ. Father, fill every usher with understanding and skill for orderliness, in the name of Jesus Christ.Ħ. I counsel thee to buy of me gold tried in the fire, that thou mayest be rich and white raiment, that thou mayest be clothed, and that the shame of thy nakedness do not appear and anoint thine eyes with eyesalve, that thou mayest see. (Revelation 3:18, KJV)ĥ. Oh Lord, open their eyes to see into the realm of the spirit and open their ears to hear the Holy Spirit speaking to them, in Jesus name. ![]() Oh Lord, grant that every usher in church walk and operate in the gift of the discerning of spirits, in Jesus name.Ĥ. Lord, grant that every usher in my church be filled with the Holy Spirit in power and faith, in Jesus name.Īnd Stephen, full of faith and power, did great wonders and miracles among the people. (Acts 6:8, KJV)ģ. Father, thank you for every member of the ushering department, I pray that you give them more and more grace to serve you as ushers, in Jesus name.Ģ. The following are prayer points for ushering department you can pray for your ushers in church and ministry: Prayers For Spiritual Alertness and Sensitivityġ. READ ALSO: Prayer Points For Choir Growth Prayer Points For Ushering Department So, are you ready to pray for ushers and ushering department in your church and ministry today? ![]() That’s why you must pray for ushers in your church very well. Should, God forbid, that gun men invade your church during a worship service, you can be sure that ushers will be the first to go down before any worshiper, that’s how serious, delicate and vulnerable their work make them. Now, here’s something you must not forget: seeing that the ushers are the first contact in your church services and meetings, that automatically also makes them the first to get caught in Satan’s plan and attack on the church. The order or orderliness in your church meetings and services depends on them on how good and effective they do their job. That’s how important the usher’s work is. They are the first contact with worshipers in every service from the church entrance doors to the isle and down to the seat where worshipers will sit, you can be sure that there will be an usher that will welcome, lead and eventually get the worshiper to his or her seat. Yes, your ushers give the first impression of your church and ministry to worshipers. In short, they need more prayer than you think.ĭid you ever hear this saying: ‘first impression matters?’ Here are prayer points for ushering department you can use to pray.ĭid you know that the ushering department in your church needs prayer as much as any other person, unit and department in church? ![]() ![]() For more information regarding our privacy policies visit /privacypolicy. Postal Service (USPS) auditor to labor organizations as required by applicable law to government agencies in connection with decisions as necessary to agencies and entities for financial matters and for customer service purposes. This includes the following limited circumstances and disclosures authorized by the Privacy Act as Routine Uses: incident to legal proceedings involving the Postal Service for law enforcement purposes to a congressional office on your behalf to agents or contractors when necessary to fulfill a business function to a U.S. We do not disclose your information to third parties without your consent, except to act on your behalf or request, or as legally required. Providing the information is voluntary, but if not provided, we may be unable to provide this service to you. It also explains how to find a USPS location that offers passport services and how to schedule an appointment online. passport, including eligibility, documents, fees, and processing times. Customers can use a computer or mobile device to go to /scheduler to make appointments. This article provides essential information about how to apply for or renew a U.S. USPS will conduct all passport application services by appointment only, beginning March 25. ![]() Your information will be used to schedule an appointment for retail services and to identify and mitigate the effects of fraudulent transactions. The Retail Customer Appointment Scheduler allows individuals to make appointments for passport services at Post Offices. ![]() ![]() ![]() It might take some time to install Windows 10, and your PC will restart a few times.Save and close any open apps and files you may be running, and when you’re ready, select Install.Select Change what to keep to set whether you would like to Keep personal files and apps, or Keep personal files only, or choose to keep Nothing during the upgrade. When Windows 10 is ready to install, you’ll see a recap of what you’ve chosen, and what will be kept through the upgrade.Your copy of Windows 10 will automatically activate later using your digital license. If you previously upgraded to Windows 10 on this PC and you’re reinstalling it, you don’t need to enter a product key. ![]() If you don't have a license to install Windows 10 and have not yet previously upgraded to it, you can purchase a copy here: Go to the Volume Licensing Service Center. For more information on Enterprise edition, All Windows 10 editions are available when you select Windows 10,Įxcept for Enterprise edition. On the What do you want to do? page, select Upgrade this PC now, and then select Next.Īfter downloading and installing, the tool will walk you through how to set up Windows 10 on your PC.On the License terms page, if you accept the license terms, select Accept.You need to be an administrator to run this tool. We also recommend going to the PC manufacturer's website for any additional info about updated drivers and hardware compatibility. Note: Before you install Windows 10, check to make sure your PC meets the system requirements for Windows 10. If you are installing Windows 10 on a PC running Windows XP or Windows Vista, or if you need to create installation media to install Windows 10 on a different PC, see Using the tool to create installation media (USB flash drive, DVD, or ISO file) to install Windows 10 on a different PC section below. You need to reinstall Windows 10 on a PC you’ve already successfully activated Windows 10.You have a license to install Windows 10 and are upgrading this PC from Windows 7 or Windows 8.1. ![]() ![]() ![]() They are worried about what to tell people (and who to tell) about their condition.” “Kids often have concerns about bowel habits including frequency and increased sounds coming from the GI tract especially during school. “No question is too embarrassing I talk about poop all day!” he says. Watson says the best way to help your child cope with an IBD diagnosis is to talk about it. Left untreated, patients can develop growth delays, anemia or irreversible bowel damage and are at higher risk of developing colon cancer. IBD can also cause symptoms outside of GI tract such as with the kidneys, joints and eyes.ĭr. While it’s rare to see IBD in kids under age 6, the incidence has been rising.” “Symptoms such as those mentioned above should be evaluated for IBD. “Most cases of IBD are diagnosed between 15 and 35 years of age, but there are cases of patients diagnosed much younger,” said Dr. Kevin Watson says that being diagnosed with one of these conditions can be mentally and physically exhausting for patients suffering from weight loss, abdominal pain, diarrhea, fatigue, anemia and poor growth – all characteristics of the disorders. Ulcerative colitis affects the colon (large intestine) while Crohn’s disease can affect anywhere in the GI tract. The law requires that these schools remove barriers to learning, which include accommodating a child’s gluten-free diet and disability needs.Left untreated, inflammatory bowel disease can cause growth delays, anemia or irreversible bowel damage and a higher risk of developing colon cancer.Ĭrohn’s disease and ulcerative colitis are both forms of inflammatory bowel disease (IBD) that result in inflammation in the gastrointestinal (GI) tract. Section 504(a) of the Rehabilitation Act of 1973 prohibits discrimination in all institutions receiving federal financial assistance, including schools, on the basis of disability, including certain diseases. ![]() If your child is in a public school system, or attends a private school that receives federal funds, a 504 Plan is the federally recognized method of detailing any and all accommodations that need to be made by the school to assure that a child with a disability receives an appropriate education. It is important to advocate for your child’s needs to ensure that you receive the resources and accommodations that are necessary for your child to live a healthy life and to thrive developmentally and socially. This designation is particularly relevant in certain public establishments, like educational institutions, from pre-school to college. Because of these special needs, celiac disease is considered a disability under the Americans with Disabilities Act. Individuals with celiac disease have different needs at different times in their life. In this guide, we offer suggestions for age-appropriate ways of managing celiac disease and non-celiac wheat sensitivity at school and college to ensure good health, proper development, and academic success for your child. The lifestyle changes – and how they are managed – that come with a diagnosis of celiac disease can be difficult during the school-age and college years.Ĭeliac Disease Foundation has developed this Back-to-School and 504 Plan Guide to help you and your child transition safely through these changes. Having a child with celiac disease poses unique challenges both for you and your child. ![]() ![]() Someone said you need to tired him out and play with him more. After a few weeks he got stronger and then started biting us. We had to feed him around the clock and do everything for him. If you want to see her pictures, she’s on twitter…I’ve got quite a few I need to post tomorrow of her weeks adventures…and yes, she’s spoiled rotten, has more toys than we can even donate to the local shelter.and she deserves EVERY BIT of the spoiling, and love she gets…and gives back 100x more! We live in a VERY small town, so, as I said, most people know about Leela and know it’s just the two of us here. She also LOVES the local firefighters who worked with me so she wouldn’t be afraid of them if something were to happen again-whenever she sees the lights or hears the sirens, she bounces from window to window & wakes me up if I’m asleep. Between her beginnings, (she STILL “asks” to be rocked sometimes), the fact it’s always me and her, AND I trained her to “help” me-in case I fall or need help in another room, she’ll bring me her phone. ![]() The kids all talk to her every morning, and some afternoons and most adults around here know Leela’s name, but not mine. Obviously, she made it and because I’m disabled and rarely leave the house, (although in warm weather, she LOVES putting her “pretty dress” on and going across the street to the park where she plays with kids.and drives local dogs NUTS! She LOVES giving kids hugs and kisses and I had to put a cat tree in my front window where there’s a bus stop. I was told Leela wouldn’t make it and basically lived in my rocking chair for over a month, giving her IV Fluids, tube feeding her, and rocking & singing to her. I think Leela is super special though because when a friend brought her to me as a VERY sick abandoned 3-4wk old baby-I had JUST been released from 4 weeks in the hospital, (heart attack), and had lost everything in a fire just 2 months before-including my 9yr old silver kitty. They had quite the childhood as I co-founded a wildlife rescue & rehab back home, long before they were even born. But my kids would be the first to tell you-I’ve ALWAYS had “strange” animals…to put it mildly. As a Vet Tech since 1978, I’ve known a LOT of cats over the years-although Leela is only my 2nd indoor only kitty. Leela is a VERY strange, but VERY LOVING Ginger. □□ (long story)Īnyways, back to mice.she also likes chipmunks (“big Mousey”) that got into the house last year and they batted nuts back and forth in my kitchen. I sent some of her Chinese friends pictures on twitter, but don’t remember if I posted them to her twitter yet-she has a LOT of fans in China and they send her things so often, my mailman knocks on the door to announce “Another delivery from China for Princess Leela”. We had this same argument a few days ago, after I first put it together, and I was FaceTiming my daughters-who were in hysterics. We’ve had some arguments about this-yes, Leela argues with me either audibly or whispering her mews & meows, and stomping her paw if it goes on for more than a minute.in fact, we just had one a little while ago when she wanted her dinner on my new over-the bed table. Leela is 5 and ever since she was a kitten I.’ve watched with awe at her playing with them, (she LOVES putting one in a small box and dragging the poor thing around the house!), feeding them-bringing them her cookies, napping with them.and I HAD to draw the line with her gently carrying them in her mouth like a baby, and hopping up on OUR (HER) bed. All of these traits add up to why cats are popular cartoon characters.My Leela is the same way! In the winter, we have small field mice come into the house to get warm. Their charm, mystery, relatability, and independence make them ideal characters for any story or situation.įinally, cats can often represent independence, making great protagonists for stories where the character must overcome obstacles independently. Whether it be a classic cartoon like Tom & Jerry or one of the more recent shows such as Adventure Time, cats continue to capture our imaginations with their unique personalities and appearances. Furthermore, cats often share many of the same characteristics and behaviors as humans, making them easy to relate to. Why Are Cats Popular Cartoon CharactersĬats have long been famous in cartoons because of their natural charm and appeal.Ĭats make great comedic characters with many facial expressions and body language. The cats, Duchess, and her three kittens – O’Malley, Berlioz, and Marie – flee the butler’s evil intentions and set out on an adventure with the help of a street-wise alley cat named Thomas O’Malley. The story revolves around a kind and wealthy Madame, Adelaide Bonfamille, whose pet cats are inherited by her butler Edgar when she passes away. ![]() The Aristocats is a 1970 animated film produced by Walt Disney Pictures. ![]() ![]() ![]() “Sun Salutation Warm Up Sequence”: This free PDF download offers a unique Warm Up sequence that prepares you for both Sun Salutations A and B.It’s an excellent way to warm up before moving into the full Sun Salutation A sequence. I’ve designed it to be beginner-friendly, with poses that are gentler on the body. “Sun Salutation A – Warm Up”: This is a modified version of the traditional Sun Salutation A sequence.Let the flow of the Sun Salutation postures guide you towards a more balanced and harmonious state of being.įree Printable Sun Salutation: Beginner-Friendly Sun Salutation PDFsĪre you new to yoga or do you prefer a softer approach? I have prepared two unique free printables just for you. So, whether you’re just starting with the basics of Sun Salutation for beginners, or deepening your practice with more complex Sun Salutation poses, you’re embarking on a journey that can transform both your body and mind. It allows you to connect with your breath, focus your mind, and energize your body – preparing you for whatever the day has in store. It not only promotes physical flexibility and strength but also nurtures mindfulness, concentration, and inner peace. There are numerous benefits of Sun Salutation. This alignment of movement and breath is at the core of yoga practice. ![]() Each pose flows into the next, creating a smooth transition that mirrors the rhythmic nature of your breath. At the same time, they can be deepened and expanded for seasoned practitioners looking for a more challenging practice.Īs you move through the Sun Salutation steps, you’ll engage with a variety of yoga poses. They can be simplified for beginners, ensuring an accessible entry into yoga practice. The beauty of these sequences lies in their versatility. Regardless of whether you’re a beginner in the yoga world or have been practicing for years, the Sun Salutation sequences can be adapted to fit your needs.Ĭonsisting of a series of poses, Sun Salutation A and B each provide a unique flow of postures that work harmoniously to warm up and stretch the body. The Sun Salutation, also known as Surya Namaskar (correct Sanskrit: sūryanamaskāra), serves as a wonderful introduction to any yoga session. ![]() ![]() ![]() If you throw a Yahtzee and have already scored 50 in the Yahtzee box, you'll get a bonus plus an extra 100 points. Chances are, if you're playing Yahtzee, you're wondering how to gain more points. If you roll five dice at once, you'll get a Yahtzee. Frequently Asked Questions How many dice are in Yahtzee? Try only going for Chance if it's either 25 points or above, or if you have no other good plays. Learn more with our guide on how to play Yahtzee.Īim for the upper boxes first try to get three of a kind for each number, especially the highest numbers (5 and 6). If no scores are available at all, then you must already be at the end of your turn, and we move on to the next player.If no scores are available there, we let you choose a score from the upper box.If that number is not available, you must choose a lower box score.If the upper box for that number is available, you must choose that box (our system will choose it for you). The scores you can choose from are based on the scores that are currently on the board.This ensures each player has the same number of available scoring boxes. If you choose the Double Yahtzee, you'll also need to choose another score on the table.If you roll a subsequent Yahtzee, you have the chance to receive a Double Yahtzee, which adds a hundred points to your score. The scores are tallied up, and the winner is the player with the highest score. After 13 rounds are up, the game is over.If the roll generates no score for a given box, a zero will be displayed.The player must then choose an additional score before continuing (details below). If a subsequent Yahtzee is received, then the player can go for a 'Double Yahtzee,' which is an additional 100 points.Chance is the sum total of all the dice and can be used when no other play seems good.A large straight is a sequence of 5 dice, and is scored at 40 points.A small straight is a sequence of 4 dice.A full house consists of a pair and a three of a kind, and receives 25 points.For example, if you roll a 1, 2, 5, 5, 5, your score will be 18 for a three of a kind Scores in the three or four of a kind box are the sum total of all the dice that have been rolled, assuming that there are three or four of the same dice in the roll.To get at or above 63, aim for 3 of a kind for each of the upper boxes. If the sum of all the upper boxes is 63 or greater, the player receives an additional bonus of 35.For example, if a roll consists of 1, 2, 3, 3, 4, the score for the Threes box will be 6, because you landed two 3s, which would total 6. Scores in the upper box are based on the die number of the box multiplied by the number of times it appears in the roll. ![]() opponent now gets a chance to roll the dice and score At any time during your play, you can select the desired score from the board. After each roll, the tentative scores are visible on the board.Only the dice that are active will be rolled again. Not all dice need to be rolled on each successive roll. During each play, the player tries to roll to get the highest score they can. There are a total of 13 plays that each player gets before the game is over. The winner of the game is the player who scores most points. You can play live against other players.The score is automatically tracked for you.Play unlimited games of Yahtzee for free. ![]() ![]() ![]() It's written in plain HTML and CSS and has a subtle fade-in effect that's rather pleasing to the eye. Please contact us if you have any question. ![]() Highly skilled in HTML/CSS/JavaScript/JQuery and working knowledge of Photoshop. Right Resume is a professional and free HTML template for job seekers. You can use free templates for your commercial or personal or learning purposes. Creative and self-starting Front-End Developer with 5 years experience building stable eCommerce websites and apps in fast-paced, collaborative environments. If you are looking to build your own resume website or CV in HTML and CSS. All 588+ CSS templates are absolutely 100 free download for your web design. You can use any kind of HTML code editor to modify our templates. For a stylish but straightforward template, check out this CV template by Thomas Hardy. 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Check out, Download Office 2019 Offline Installer Full Crack links for PC Windows 32 bit and 64 bit. Please write in the comments section if you prefer to upgrade or stay in Office 2016. Two of the coolest features in this latest update are Morph and Zoom in PowerPoint, which make presentations more interactive, but what new features in Office 2019 are you interested in upgrading or staying with Office 2016? Now, the question is, should you upgrade from Office 2016 to Office 2019? Since the price of the original Office 2019 is quite expensive. In the PowerPoint slide, you just need to duplicate it and change the objects in it, for example, you change the position, size, shape and so on. There is a morph transition in PowerPoint. The same basic features are still there, the ones that most people use most commonly remain the same, and they tend to have a similar appearance, but only a small number of the new features have been added. Since the release of the initial version yesterday, many users have been using Office 2019 and it is not that different from Office 2016 on general. Office 2019 Offline Installer is now available, and for those of you who are wondering what’s new in Office 2019, the benefits of Office 2019, the difference between Office 2019 vs 2016, and whether or not you need to upgrade to Office 2019. ![]() Microsoft Office 2019 Free Download Full Version With Crack 64 Bit. Microsoft Office 2019 Free Download Full Version Crack ![]() |
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