9/28/2023 0 Comments Finance calculator boat![]() Secured boat loans, similar to other secured personal loans, use the boat itself as collateral. However, the actual rate you qualify for depends on the lender, your credit score and financial history, as well as the size of the loan. It is likely that these rates will continue to rise throughout 2023. The average personal loan rate steadily increased throughout 2022 due to rising federal rates. The best personal loan interest rates range from 3 percent to 36 percent, with the average personal loan rate currently at 10.96 percent. What is the average boat loan interest rate? However, smaller loans are less likely to be eligible for longer repayment periods, which will result in larger monthly payments. Different lenders have varying options, but most offer at least two to three term options anywhere between 1 year to 7 years, with the lengths you qualify for also depending on how much you’re borrowing. The term length of your loan determines how much of the principal balance you will pay per month as well as how long it will take you to pay off the loan. What is the average boat loan term?īoat loans are unsecured personal installment loans, so the terms for these loans tend to be similar to personal loans overall. If you plan to take out a boat loan to finance the purchase, you also need to factor in the interest rate and fees of the loan. When calculating the entire cost of the boat, you'll also need to consider regular maintenance costs, insurance and potential storage fees if you plan to store your boat at a marina. However, the cost of the boat is just the first expense. If you’re in the market for an older model, for example, you could pay as little as $9,500 depending on the make and model of the boat. ![]() The average cost of a new boat is typically between $40,000 to $75,000, but you could end up paying far less or far more than that depending on what you’re looking for. The cost of buying a boat varies widely depending on the type of boat you buy and whether you buy it new or used. Our calculator shows you the estimated monthly payment for your boat loan, based on the loan amount, term length and interest rate of the loan. Since boat loans have fixed rates, the interest rate you pay will never change over the life of the loan and the payments stay the same each month. Boat loans are installment loans, meaning that you make fixed monthly payments on the principal balance – plus interest and fees – until the loan is paid off. The Bankrate boat loan calculator helps borrowers calculate monthly payments for fixed-rate boat loans.
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9/28/2023 0 Comments Chocolate cinnamon toast crunch![]() This carton is recyclable at store drop-off available. Cinnamon Toast Crunch definitely has its fans it is the fifth best-selling cereal in the United States, and is the most popular cereal in 54 percent of states (via 11 Points). Is the flavored milk at the bottom of your cereal bowl your favorite part Then our NEW Swiss Miss Cinnamon Toast Crunch Cinnamilk-Flavored Hot Drink Mix is for you Cinnadust & Marshmallows mixed with our Swiss Miss base make a cinnamony hot drink for when you’re craving something warm and tasty. Try one of the other delicious varieties of Toast Crunch cereals including: Cinnamon Toast Crunch Churros, Chocolate Toast Crunch and Frosted Toast Crunch. Ingredients: Whole Grain Wheat, Sugar, Rice Flour, Canola Oil, Fructose, Maltodextrin, Cocoa Processed. Enjoy Cinnamon Toast Crunch in milk for breakfast or to munch on as a snack throughout the day. ![]() It maintains a great texture that stays crunchy, even in milk and delivers a irresistible Cinnamilk finish in every bowl. Is a good source of Calcium and Vitamin D.įor over 35 years, Cinnamon Toast Crunch has continued to be a favorite for the whole family! Cinnamon Toast Crunch is a ready to eat cereal made with in crispy sweetened whole wheat square cereal pieces, covered in delicious cinnamon and sugar. This cereal is packed with nutrients and contains whole grain to help fuel your morning. Reeses Puffs & Cinnamon Toast Crunch Cereal Bar Treats (30 ct.) (139) 2 off. At least 48g recommended daily A whole grain food is made by using all three parts of the grain. Quaker Chewy Variety Pack, Chocolate Chip and Peanut Butter Chocolate Chip (60 ct.) (1639) 2 off. First Ingredient is Whole Grain (12g whole grain per serving). You may find the current much faster or slower than I did. ![]() The river’s speed depends a lot on water levels. If you don’t know how fast of a paddler you are, I’d allow at least 3 months. Really fast people might be able to do it in less than two months. Some people might want to take four months or more. It took me 67 days, by myself, under what is probably fairly typical water conditions. The Mississippi River drains 41% of the continental United States. More than half of the total drop of the river occurs in Minnesota. (I found the river to be less than 6″ deep in places in that area.)ĭeepest point: about 200′ at New Orleans.Įlevation above sea level at Lake Itasca: 1,475 feet.Įlevation above sea level at the Gulf of Mexico: 0 feet. ![]() Shallowest point: just below Lake Itasca, less than 3′ deep. Widest point: about 4 miles at Lake Onalaska near LaCrosse, Wisconsin. Narrowest point: about 20 feet, just below Lake Itasca. River speed at New Orleans on was 3 miles an hour. Some facts collected on the Mississippi National River and Recreation Area page:Ī raindrop falling in Lake Itasca would arrive at the Gulf of Mexico in about 90 days.Īverage river speed at headwaters: 1.2 miles per hour. Nevertheless, the book is well worth it for the writing itself and his keen observations of the people along the river. If I were to do the river again I would plan on carrying a mapping GPS AND download maps to a smartphone and forgo the Corp of Engineers maps completely.Ī good source for information and other links is the Mississippi River Resource Page.Ī very well-written book on canoeing the Mississippi is “ Mississippi Solo.” The only disappointment is he skipped some sections of the river. ![]() You should be able to download and print maps from them if you like, although you might have to search around to actually find them. The Army Corps of Engineers has excellent navigational charts for the river from Minneapolis to Cairo and for the lower river below Cairo. The Minnesota DNR has lots of information about the upper river, including maps and other information. Please see the many questions and answers about my Mississippi River trip on my blog. I have information on Mississippi River mile markers and how long it took me to paddle from point to point here Pacific Crest Trail Thru-Hike Gear List. ![]() The Too Faced Born This Way Super Coverage Multi-Use Sculpting Concealer retails for USD29 on. There are a couple of undertones such as neutrals, warms and cool shades so there’s definitely one that suits you. Oh and before I end off, you can effectively contour and highlight with this sculpting concealer using shades 3 tones darker and 2-3 tones lighter respectively. It’s a tad bulky so I’m not too sure if I would even bring it along for my travels. Unlike those in the market, the Too Faced BTW Super Coverage Multi-Use Sculpting Concealer is housed in a rather large glass bottle that’s almost that of liquid foundations. Like usual concealers, this baby has got a doe foot applicator but made in a diamond shape to allow application in thick lines using the flat surface, as well as thinner lines using the side and tip for precision coverage.ĭespite all the praises I’ve given, the product has its shortcomings too. Cosmetics Studio Waterweight Concealer but it works just as well. Well, it’s not as weightless as the M.A.C. Considering that it allows me to effectively conceal, I can even use this alone for my complexion.īefore you go wondering how thick the formula must be since it has superb concealing properties, I’m going to tell you that its consistency is light. I enjoy using this to spot conceal and on red areas of my skin. As you observe, you can almost not see the black liner underneath. To show you how creamy and super-coverage the formula is, I’ve drawn a little heart shape using my favourite liquid eyeliner and concealed half of it using this concealer. What’s amazing is that it’s photo-friendly – no flashbacks that transforms you into a disco ball on photos. Like its Born This Way counterparts, the formula of this multi-use concealer is creamy, smooth and blends easily onto the skin. It gives a nice natural finish despite having superb coverage. I am a fan of the Too Faced Born This Way range, especially its foundation, but with the launch of this concealer, I find myself ditching the foundation because the formula allows me to just conceal and step out of the house! The formula is oil-free, non-comedogenic and very hydrating. With 20 shades catered to the fairest to the deepest of skin tones, it’s no wonder this is perfect to contour and highlight as well. This concealer is no ordinary product – as its name suggests, it’s a multi-use product that helps you to conceal, contour, highlight and retouch, at any time of the day. Thanks to the team from Too Faced, I got to try one of the best concealers (maybe I should do a top 5 concealers post?) thus far – Too Faced Born This Way Super Coverage Multi-Use Sculpting Concealer. ![]() ![]() All those acne scars got me super-reliant on concealers, especially high coverage ones. Concealers are my best friend I can’t live without one because I’m always in need of some coverage for my pigmentation-filled skin. WEH’s line of test tools brings more productivity and quality advancements to your manufacturing process by providing instant connections to: evaporator coils, condenser coils, service valves, heat exchangers, compressors, pressure vessels and a wide variety of other HVAC systems. 1/2' Quick Connect Push-to-Connect Refrigerant Fitting Quick Connect Union. With no flaring or brazing involved, refrigerant lines can be securely and safely connected by PRO-Fit Quick Connect in various environments. Yu&Yang HVAC Repairing Set Air Conditioner Copper Tube Expander Swaging Tool Manual Copper Pipe Swage Too Expander Drill Bit Soft Copper tubing Tool bit. ![]() WEH Quick connectors are ideally suited for leak, pressure, function and water dunk testing of straight tubes / expanded tubes, and for low pressure / high pressure applications. Rectorseal 87038 - 1/2' PRO-Fit Quick Connect Socket- PRO-Fit Quick Connect push-to-connect refrigerant fittings quickly connect copper and aluminum linesets for mini-split and unitary HVAC units. Our quick couplers will empower operators, maintenance and quality engineers to become more efficient and productive. Rectorseal 87028 - 3/4' PRO-Fit Quick Connect 90° Elbow- PRO-Fit Quick Connect push-to-connect refrigerant fittings quickly connect copper and aluminum linesets for mini-split and unitary HVAC units. They feature high-flow characteristics, reduce maintenance costs and make refrigerant processing even easier. A large range of quick connects and quick disconnects for connection to high side & low side process fittings is available for filling / charging during production of refrigerators and air conditioners and also for refilling during maintenance and servicing of AC components. PRO-Fit Quick Connect fittings are designed to connect refrigerant lines without an open flame, brazing, or swaging. They easily connect to Schrader valves and tube connections within seconds with no need to hand tighten, using thread sealants or wrenches. Wherever refrigerants have to be filled, evacuated or recharged the WEH quick couplers are the ideal tool / service coupling. Rectorseal 87027 - 5/8' PRO-Fit Quick Connect 90° Elbow- PRO-Fit Quick Connect push-to-connect refrigerant fittings quickly connect copper and aluminum linesets for mini-split and unitary HVAC units. Rectorseal 87024 - 1/4' PRO-Fit Quick Connect 90° Elbow- PRO-Fit Quick Connect push-to-connect refrigerant fittings quickly connect copper and aluminum linesets for mini-split and unitary HVAC units. Rectorseal 87035 - 1/2' to 5/8' PRO-Fit Quick Connect Elbow Reducer-PRO-Fit Quick Connect push-to-connect refrigerant fittings quickly connect copper and aluminum linesets for mini-split and unitary HVAC units.They are suitable for joining refrigerant lines in seconds after cutting the line, deburring the ends and push to connect. ![]() Efficient process control, increased quality and reduced costs with WEH® Refrigerant Charging Tools Quick Connect 90 Elbow PRO-Fit Quick Connect fittings are designed PRO-Fit Quick Connect fittings are designed to connect refrigerant lines without an open flame, brazing or swaging. 9/27/2023 0 Comments Investing for beginners book![]() Here is the perfect book to guide 20-35-year-olds to financial success. I Will Teach You To Be Rich by Ramit Sethi And then, with careful money management, you could have money to invest. He helps you focus on the 20% of what you really need to know to confidently take charge of your finances. In Stop Over-Thinking Your Money, Banerjee explains how you should view money. However, we’ve included it here among the best investing books for beginners and young investors. Stop Over-Thinking Your Money by Preet BanerjeeĬanadian personal finance expert Preet Banerjee outlines five simple rules for personal finances in this reader-friendly book.Īctually, this is not strictly speaking an investment book. Lessons learned in this book can be applied to these choices, both big and small, making it one of the best investing books for beginners. ![]() Money heavily ties into psychology and our emotions, and we make financial decisions every day. Thinking Fast and Slow is about the capabilities and biases of both systems.
9/27/2023 0 Comments Alter ego game write bookThe translation is based on the 2019 2nd print run version of the book, though. The game exists in two variations which depict a male or female life. Written based on the then incomplete Game Script, Alter Ego Self-Discovery Game Book predates the game's release by a few weeks and presents readers with an experience similar to the game, yet also somewhat different, with drastically different endings to discover. Alter ego liability is a big enough concern that weve written about it. Here the player can change his lifestyle and manage his love and professional life. original book by Michael Lewis (subtitled The Art of Winning an Unfair Game. After reaching a certain age, additional life options can be undergone at any time. Some decisions may even result in an early death or instant game over.Įvery life phase is represented by a life tree where the situations are lined up the motive of the situation card shows the general theme of the situation. Every decision has long-time consequences and influences the personality, health and which situations await further down the road. In the context of your Ordinary World and the Field of Play youve chosen, were going to use the Five Bridges framework throughout the book to help you get. Then the player gets presented with the outcome and goes on to the next situation. This is done by choosing one of multiple answer possibilities, sometimes accompanied with a mood. The gameplay consists of a series of situations where a decision has to be made. ![]() Kids have a tendency to want to conquer the world after.and most parents. A1 Nouveau Diplome dEtudes en Langue Francaise. Dont read this book right before bedtime. Alter ego 1 méthode de français, Volume 1 Alter ego Français langue étrangère Hachette Français Langue Étrangère Nouveau DELF. It explains the process of how to create an alter ego that is simple and easy to achieve. They then guide this character through seven life phases, from infancy to old age. His programs have twice been awarded with the ‘Global Leadership & Skill Development Program of the Year’, and his book ‘The Alter Ego Effect’, has become a Wall Street Journal and Publisher’s Weekly Bestseller. Bought this book after listening to the author at a business event. ![]() The player creates a character with different personality statistics, either by assigning them randomly or by answering a few introductory questions. Android, Apple II, Browser, Commodore 64, iPad, iPhoneĪlter Ego is a game which tries to simulate life itself. 9/27/2023 0 Comments Online virtual definition![]() It looked like a simple typewriter with an additional display window. It was deemed the first ‘teaching machine’. ![]() The first can be traced back to a proto- LMS created by Sidney Pressey in 1924. However, instances of eLearning are present a few decades prior to this. It was originally coined by researcher, educator, conference host and friend of Growth Engineering, Elliot Masie. The term ‘eLearning’ has actually only been around since 1999. So in this article, we’ll be clearing up the confusion! We’ll also take you through its background and some of the benefits of learning electronically. There’s a lot of debate around what the term really means. So when you talk about eLearning, you’re actually talking about ‘electronic learning’. So the question is - what exactly is eLearning (and yep, that’s our spelling of choice!)?Īs with email, e-commerce and eBooks, the ‘e’ stands for ‘ electronic ’. But we’ve found that it’s often used where it shouldn’t be. Learned borrowing from Medieval Latin virtuālis.Whether you spell it eLearning, Elearning or e-Learning, the term is undeniably a common one. “virtual” in Diccionari català-valencià-balear, Antoni Maria Alcover and Francesc de Borja Moll, 1962.“virtual” in Diccionari normatiu valencià, Acadèmia Valenciana de la Llengua.“ virtual”, in Gran Diccionari de la Llengua Catalana, Grup Enciclopèdia Catalana, 2023.“virtual” in Diccionari de la llengua catalana, segona edició, Institut d’Estudis Catalans.virtual ( in effect or essence, if not in fact or reality ).Virtual m or f ( masculine and feminine plural virtuals) ( Balearic, Valencian ) IPA ( key): /viɾ.tuˈal/.virtual (disambiguation) on Wikipedia.and n.”, in OED Online , Oxford, Oxfordshire: Oxford University Press, September 2022 “ virtual, adj.”, in Lexico, Oxford University Press, 2019–2022. ^ “ vertū̆ā̆l, adj.”, in MED Online, Ann Arbor, Mich.: University of Michigan, 2007.Having efficacy or power due to some natural qualities.( quantum mechanics ) Of a quantum state: having an intermediate, short-lived, and unobservable nature.( particle physics ) Pertaining to particles in temporary existence due to the Heisenberg uncertainty principle.( optics ) Chiefly in virtual focus: of a focus or point: from which light or other radiation apparently emanates also, of an image: produced by light that appears to diverge from a point beyond the reflecting or refracting surface.Pertaining to a theoretical quality of something which would produce an observable effect if counteracting factors such as friction are disregarded specifically, of a head of water: producing a certain pressure if friction, etc., is disregarded.( mechanics ) Pertaining to a theoretical infinitesimal velocity in a mechanical system that does not violate the system's constraints also, of other physical quantities: resulting from such a velocity.( object-oriented programming ) Of a class member: capable of being overridden with a different implementation in a subclass. ![]() The virtual world of his computer game allowed character interaction. Sense 4 (“pertaining to a theoretical infinitesimal velocity in a mechanical system that does not violate the system’s constraints”) is borrowed from French virtuel, from Middle French virtuel, from Old French vertüal, vertüelle: see above. The adjective is derived from Middle English vertual, virtual, from Old French vertüal, vertüelle (modern French virtuel), or from their etymon Medieval Latin virtuālis ( “ of or pertaining to potency or power having power to produce an effect, potent morally virtuous ” ), from Latin virtūs ( “ goodness, virtue manliness, virility ” ) (from vir ( “ adult male, man ” ) (ultimately from Proto-Indo-European *wiHrós ( “ man ” ), possibly from *weyh₁- ( “ to chase, hunt, pursue ” )) + -tūs ( suffix forming collective or abstract nouns )) + -ālis ( suffix forming adjectives of relationship ), modelled after virtuōsus ( “ good, virtuous ” ). 9/27/2023 0 Comments Prodeus bikesTo my knowledge, no European or Japanese (or, for that matter, any other American) builder offered such a wide range of products and services. I have tried to find out when, exactly, Proteus stopped being, well, Proteus. Apparently, that happened some time in the late 1980s or thereabouts. I know that when I have a limited amount of time, I'd rather ride my bikes than work on them! At that time, technology started to displace craftsmanship in the bicycle world, and I think that people simply didn't have as much time (or money) to spend on classes or to build their own bikes. Today there is a bike shop called Proteus that is a descendent of the legendary bike-building collective. Apparently, the Proteus partners continued to operate a bicycle retail business after they stopped building frames and, in time, sold the business to others. According to the shop's website, it holds social events and holds classes as well as rides. ![]() I guess, in some way, they are keeping up the spirit of "Dr. (P.S.: Jill Di Mauro bought the shop in 2002. In 2007, Di Mauro married her Canadian partner in Canada. Though Maryland would legalize same-sex marriage four years later, federal laws-including immigration statutes-didn't recognize their union. ![]() So, when Di Mauro's wife's visa expired, she had to return to Canada. In 2012, Di Mauro sold the shop and moved to upstate New York to be closer to her wife while she applied to return to the US.Editor’s Note: The name G. His contribution to that 1923 volume is entitled “Elementary Schools.” In his tribute, he wrote: Smith may be familiar to readers of In Memoriam. We remember Miss Mason because she showed us how practice in school might be natural and simple, natural because it used the inherent element of interest which the child brought to our schools. We knew this, but she showed us how to use and retain it. Natural, too, because those conditions of attention and concentration were always present with interest, and could not be cultivated from adventitious roots. Simple, because their application did not involve a peculiar or elaborate training. The educated mother, fortunate in having the leisure, may well and successfully educate her child at home. Smith had been asked to write from the perspective of a state-run elementary school that had adopted Charlotte Mason’s method. He was the Headmaster of Uplands School in Stroud, Gloucestershire, and had been using the method diligently since 1918. In January 1922, he was asked to speak at the Conference of Educational Associations, held at University College in London. Although he could not attend due to illness, he prepared a paper which was read by his wife. His paper was then published in the March issue of The Parents’ Review. (Head Master of Uplands Council School, Stroud, Glos.) It remains a fresh and vibrant presentation of Miss Mason’s method in general, and of the teaching of English in particular. The issue of the Report on the “Teaching of English in England” was awaited with interest by everyone connected with schools-from Primary Schools to the Honours Schools in the universities. To the majority, the interest was mainly personal. the interest had in it more than intelligent curiosity. I am not to be accused of the weakness of St. Thomas if I say that our expectant interest had in it a tinge, however faint, of anxiety. is committed to a definite policy in education. A policy implies a combination of two factors-principles and practice. was invited to present its views to the English Committee. Its aims, claims, and recommendations were brought before comparative criticism, subjected to keen inquiry, contrasted and compared with other evidence. In what light would our principles and methods stand?Įxperience in P.U. 9/27/2023 0 Comments Time of packer game![]() MSUD is amenable to treatment through dietary restriction of BCAAs, and with early treatment, patients typically have good clinical outcomes. Patients with this disorder have elevations of branch chain ketoacids in the urine in addition to elevated BCAAs in the plasma. Pathogenic homozygous or compound heterozygous variants in BCKDHA (MIM #608348), BCKDHB (MIM #248611), DBT (MIM #248610), or DLD (MIM #238331), which form the catalytic subunits of BCKAD, can result in MSUD, which is characterized by neurological and developmental delay, encephalopathy, feeding problems, and a maple syrup odor to the urine. Maple syrup urine disease (MSUD, MIM #248600) is an autosomal recessive disease characterized by disruption of the normal activity of the branched-chain α-ketoacid dehydrogenase (BCKAD) complex, the second step in the catabolic pathway for the branched-chain amino acids (BCAAs) that include leucine, isoleucine, and valine. We review this disorder including its presentation, screening and clinical diagnosis, treatment, and other relevant aspects pertaining to the care of patients. Newborn screening for MSUD is now commonplace in the United States and is included on the Recommended Uniform Screening Panel (RUSP). ![]() ![]() Clinical outcomes are generally good in patients where treatment is initiated early. Treatment consists of dietary restriction of BCAAs and close metabolic monitoring. The classic presentation occurs in the neonatal period with developmental delay, failure to thrive, feeding difficulties, and maple syrup odor in the cerumen and urine, and can lead to irreversible neurological complications, including stereotypical movements, metabolic decompensation, and death if left untreated. The disorder varies in severity and the clinical spectrum is quite broad with five recognized clinical variants that have no known association with genotype. Maple syrup urine disease (MSUD) is an inborn error of metabolism caused by defects in the branched-chain α-ketoacid dehydrogenase complex, which results in elevations of the branched-chain amino acids (BCAAs) in plasma, α-ketoacids in urine, and production of the pathognomonic disease marker, alloisoleucine. |
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