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![]() P2P borrowers generally offer loans with more favorable terms because of the relatively low risk and low cost for the P2P service providers. The entire process is called peer-to-peer lending, or abbreviated as P2P lending. The majority of these lenders are regular people with some extra money to invest. Instead of borrowers going to lending institutions that provide personal loans (as is done traditionally), borrowers can now go to online financial service companies that match them up with lenders directly. ![]() The advent of the internet introduced a new way of lending, shaping the landscape of the personal loan industry. Pawnshops and cash advance stores also provide personal loans at high interest rates. They are able to profit off this system by taking in money in the form of savings accounts, checking accounts, money market accounts, or certificates of deposit (CDs), and lending the money back out at higher interest rates. While the Personal Loan Calculator is mainly intended for unsecured personal loans, it can be used for secured personal loans as long as the inputs correctly reflect the loan conditions.īefore the arrival of the internet, personal loans were generally provided by banks, credit unions, and other financial institutions. Most online lenders only offer unsecured personal loans. Generally, the maximum loan limit is based on the collateral the borrower is willing to put up. Like all other secured loans such as mortgages and auto loans, borrowers risk losing the collateral if timely repayments are not made. They are usually offered at banks and credit unions backed by a car, personal savings, or certificates of deposits as collateral. Due to their unsecured nature, personal loans are usually packaged at relatively higher interest rates (as high as 25% or more) to reflect the higher risk the lender takes on.Īlthough uncommon, secured personal loans do exist. Instead, lenders use the credit score, income, debt level, and many other factors to determine whether to grant the personal loan and at what interest rate. They are not backed by collateral (like a car or home, for example) as is typical for secured loans. Typical personal loans range from $5,000 to $35,000 with terms of 3 or 5 years in the U.S. Personal loans are loans with fixed amounts, interest rates, and monthly payback amounts over defined periods of time. ![]() Using this APR for loan comparisons is most likely to be more precise. The calculator takes all of these variables into account when determining the real annual percentage rate, or APR for the loan. Since most personal loans come with fees and/or insurance, the end cost for them can actually be higher than advertised. The Personal Loan Calculator can give concise visuals to help determine what monthly payments and total costs will look like over the life of a personal loan. Related Credit Card Calculator | Loan Calculator | Debt Consolidation Calculator QuickBooks Live Assisted Bookkeeping: This is a monthly subscription service offering ongoing guidance on how to manage your books that you maintain full ownership and control. See Deposit Account Agreement for terms and conditions. ![]() At the close of each statement cycle, the interest earned on funds in your Envelopes will be credited to each Envelope in proportion to the average daily balance of each Envelope. Envelopes within your primary QuickBooks Checking account will automatically earn interest once created. Money in Envelopes must be moved to the available balance in your primary QuickBooks Checking account before it can be used. See Deposit Account Agreement for terms and conditions.Įnvelopes: You can create up to 9 Envelopes within your primary QuickBooks Checking account. We use the average daily balance method to calculate interest on your account. The APY is applied to deposit balances within your primary QuickBooks Checking account and each individual envelope. Terms, conditions, pricing, special features, and service and support options subject to change without notice.Īnnual percentage yield: The annual percentage yield (“APY”) is accurate as of Decemand may change at our discretion at any time. Your expert will only guide the process of setting up a QuickBooks Online account. The QuickBooks Live Bookkeeping Guided Setup is not available for QuickBooks trial and QuickBooks Self Employed offerings, and does not include desktop migration, Payroll setup or services. The QuickBooks Live Bookkeeping Guided Setup service includes: providing the customer with instructions on how to set up chart of accounts customized invoices and setup reminders connecting bank accounts and credit cards. It’s available to new QuickBooks Online monthly subscribers who are within the first 30 days of their subscription. QuickBooks Live Bookkeeping Guided Setup: The QuickBooks Live Bookkeeping Guided Setup is a one-time virtual session with a QuickBooks expert. Terms, conditions, pricing, special features, and service and support options subject to change without notice. ![]() You will not receive a pro-rated refund your access and subscription benefits will continue for the remainder of the billing period. To cancel your subscription at any time go to Account & Settings in QBO and select “Cancel.” Your cancellation will become effective at the end of the monthly billing period. This offer can't be combined with any other QuickBooks offers. To be eligible for this offer you must be a new QBO customer and sign up for the monthly plan using the “Buy Now” option. Sales tax may be applied where applicable. If you add or remove services, your service fees will be adjusted accordingly. ![]() Your account will automatically be charged on a monthly basis until you cancel. QuickBooks Online Discount Offer Terms: Discount applied to the monthly price for QuickBooks Online (“QBO”) is for the first 3 months of service, starting from the date of enrollment, followed by the then-current list price. ![]() For more information about Intuit Payments' money transmission licenses, please visit. Money movement services are provided by Intuit Payments Inc., licensed as a Money Transmitter by the New York State Department of Financial Services. ![]() Spectrum pick 10 channels is actually a good choice. This will help deal with the issue of logging in. Once you’re at home, the app can also identify you as a customer when you get connected. Alternatively, you can as well watch through your computer via the spectrum website, though you’ll need to have adobe flash installed on your computer. Instead, you’ll need to download the spectrum app on your device and start watching live or On-Demand videos. See also What Channel is Showtime on Spectrum TV - Updated Guide 2024Īpart from the fact that the TV choice package is cheaper than the cable bundle, you’ll also get to save further because you won’t be renting any cable box. For subscribers who already have spectrum cable TV, they might experience a little challenge when switching to a TV choice. Next is to select 10 channels from the menu including other optional premium networks. To do this, login to the spectrum official website, click on “Add TV”, then select spectrum TV choice from the plans. How to sign upįor subscribers that already have a TV service from Spectrum, it’s easy to subscribe to the TV choice package. Also, you can select more than 10 channels but if you upgrade to a larger TV bundle, then you can. In other words, the Spectrum TV choice offers less than a third of their total channels that can be seen on the live TV streaming guide. Other channels that are not available include DIY, Nick Jr. It also lacks certain league-specific channels like NBA TV. For instance, do not expect to get any regional sports networks. The spectrum choice won’t work for everyone. Will the spectrum pick 10 work for everyone? An option to include Showtime, HBO, Starz, the Movie Channel, and Starz Encore which goes for $7.50 individually.But this will depend on your residential area. Digital subnetworks, like Bounce and MeTV. ![]() Educational channels and public access like C-SPAN and PBS.Your channel choice of 10 from a list that comprises 77 channels. ![]() The main broadcast networks such as ABC, Fox, CBS, CW, and NBC).What you’ll get when you subscribe include the following: This text was generated using a large language model, and select text has been reviewed and moderated for purposes such as readability.See also What Channel is Court TV on Spectrum TV - Updated Guide 2024 So sit back, relax, and enjoy your favorite shows with Spectrum TV’s comprehensive cable channel list at your fingertips. From the essential channels included in the Select tier to the premium offerings of the Silver and Gold tiers, there is something for everyone’s taste.īy understanding the different tiers and packages available, you can choose a Spectrum TV plan that aligns with your preferences and budget. Spectrum TV’s cable channel list provides subscribers with a diverse range of programming options. Whether you’re interested in catching up on British dramas or enjoying Bollywood blockbusters, this tier has it all. In addition to all the channels included in the Select and Silver tiers, Gold subscribers gain access to premium movie channels like STARZ and TMC.įurthermore, the Gold package offers an extensive collection of international channels, allowing you to explore content from around the globe. The Gold Tierįor those seeking the ultimate television experience, Spectrum TV’s Gold tier is the way to go. This means that you can catch all the action from your favorite local teams without missing a beat. Moreover, the Silver package includes regional sports networks based on your location. In this tier, subscribers gain access to premium networks like HBO and Showtime alongside additional sports channels such as NFL Network and MLB Network. The Silver tier builds upon the offerings of the Select package by adding even more channels to your lineup. This ensures that you can stay up-to-date with local news and events. In addition to general entertainment channels, the Select tier also includes local broadcast stations specific to your area. This tier covers a wide range of genres and is ideal for those who want essential programming at an affordable price. It includes popular networks like ABC, CBS, NBC, FOX News Channel, CNN, ESPN, and more. ![]() The Select tier is the basic package offered by Spectrum TV. Each tier offers different packages with varying numbers of channels. The three main tiers are Select, Silver, and Gold. To make it easier for subscribers to find their preferred channels, Spectrum has divided its cable channel list into different tiers. Whether you’re a sports enthusiast or a movie buff, there is something for everyone in this robust selection. Spectrum TV offers an extensive channel lineup that covers various genres, including news, sports, entertainment, lifestyle, and more. Understanding Spectrum TV’s Channel Lineup ![]() If you’re new to Solitaire, we recommend playing Turn 1. Your chances of winning a Turn 1 game is higher than Turn 3. Turn 1, on the other hand, is an easier card game because you have the opportunity to place each subsequent card from the stock pile into the game. This means that your options are more limited. If you can play the first of the three cards, then you can play the second, and then you can place the third. Of the three cards that have been turned, you can only play the first of the three. This is called Turn 3 Klondike Solitaire. Instead of drawing 1 card from the stock pile at a time, you can draw 3 cards at a time. Is Turn 1 or Turn 3 easier? Which should I play? While that may seem intimidating, these games are considered easier because you have more cards to sequence and move around. As the name suggests, these games and rules are just like Klondike, except they have more decks, a larger tableau, and more foundation piles. If you like playing Klondike Solitaire, you should try Double Klondike Solitaire or Triple Klondike Solitaire. Frequently Asked Questions What are other variations of the game? Once you’re able to move all the cards from the tableau and the stockpile, you’ve won!įor more information, check out our guide on how to play solitaire. Once you’re able to move all the cards from the tableau and the stockpile, you’ve won!.Lastly, if you find that a tableau column is empty, you can move a King to that pile to help build the tableau and eventually move the cards to the correct foundation pile.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. ![]()
The party may join all motions under Rule 12 into a single motion. A motion asserting any of these defenses must be made before pleading if a responsive pleading is allowed.” Fed. “But a party may assert the following defenses by motion. Option two is to raise any and all of these defenses in a preliminary motion, one made before the answer is pleaded. The answer is the responsive pleading required to the complaint. “Every defense to a claim for relief in any pleading must be asserted in the responsive pleading if one is required.” Fed. Option one is to raise any and all of the defenses in the answer. –(7) failure to join a party under Rule 19.Ī defendant wishing to raise any one of these seven challenges has two options. –(6) failure to state a claim upon which relief can be granted and –(1) lack of subject-matter jurisdiction The seven challenges that Federal Rule 12(b) specifically allows to be made by preliminary motion are the following: Should defendant choose that course of defense, and the motion prove unsuccessful, defendant is allowed 10 days after service of the court’s unfavorable decision on the motion to answer. Instead of answering within that 20-day period, defendant may choose to make a preliminary Rule 12(b) motion to dismiss. Federal Rule 12(b) has abolished the special appearance: “No defense or objection is waived by joining it with one or more other defenses or objections in a responsive pleading or in a motion.”Ī defendant is required to serve an answer on plaintiff within “20 days after being served with the summons and complaint.” Fed. ![]() Other states provided that a defendant who proceeded to defend on the merits waived the jurisdictional objection.Īll of this has been swept aside in practice in federal courts and in state court systems patterned after the Federal Rules. Some states allowed defendant to proceed to defend on the merits while preserving the jurisdictional objection. ![]() At that point, defendant might have a choice to make. When the special appearance was unsuccessful, the case proceeded. ![]() When the special appearance was successful, the case was dismissed and defendant went home happy. Consequently, a defendant wishing to challenge personal jurisdiction had to be careful the challenge must have been to personal jurisdiction and nothing else. For example, a defendant made a general appearance by such actions as opposing plaintiff’s motion to amend the complaint, engaging in discovery, challenging the legal sufficiency of the complaint, or possibly even informing the court that it chose not to appear. A defendant could also consent, or waive objection, to personal jurisdiction more subtly. A defendant who challenged jurisdiction and at the same time pleaded to the merits of the complaint obviously called on the power of the court this was a general appearance. A defendant who attempted to present other defenses or motions before the court made a general appearance, and a general appearance amounted to a consent to personal jurisdiction. Defendant appeared in the court for the sole purpose of challenging personal jurisdiction, and no other purpose. This can be seen in some older decisions that refer to defendant having “appeared specially.” In both systems, the defendant could make a special appearance to challenge jurisdiction. The codes provided a demurrer to handle both tasks. The common law provided a plea in abatement to attack jurisdiction and a demurrer to attack the legal sufficiency of a complaint. We discuss the assertion–and possible waiver–of the seven grounds found in Federal Rule 12(b) for dismissal of a complaint. We do not discuss other possible preliminary motions, such as a motion for more definite statement or a motion to strike. We do not explore the requirements of, or drafting, an answer, which is the responsive pleading to the complaint. ![]() Consequently, this exercise is narrower than Exercise Three. This exercise explores one type of response to a complaint: a preliminary motion to dismiss under Federal Rule of Civil Procedure 12. RAISING, AND WAIVING, RULE 12 DEFENSESĮxercise Three explored pleading a complaint. ![]() Pork chops - yep! Pork isn't just great with apples and applesauce.Shrimp - this Sweet and Spicy Shrimp brings some heat, a great pairing for sweet and cooling mango.Grilled chicken breasts - see this recipe for Cast Iron Skillet Chicken Breast that would be perfect.Here are some things to serve with leftover mango salsa: If you need to use up baked salmon, warm it up with some scrambled eggs the next morning - delicious!□įor the mango salsa, an unused mango salsa can be kept in the fridge for up to 3 days. Store any leftover cooked salmon in the fridge. You can serve the mango salsa on the side of the salmon and add rice for some healthy carbs and a complete meal! Storage This is especially important if your fillets are on the smaller side or don't have the skin on them. Wrapping them in tinfoil helps to seal in moisture and flavour. Stir and keep in the fridge until the salmon is readyĪll you'll need for this recipe is a baking sheet to put the salmon on to. Top with the juice from 1 lime and the salt.Toss all the ingredients in a bowl to combine.Dice the mango, red pepper, red onion, jalapeno and cilantro.While the salmon bakes, make the mango salsa: See the recipe card below for detailed instructions. Wrap up the tinfoil around the fish to create a little pouch.Add 1-2 small pats of butter to each filet and cover the top with thin lemon slices.Place the salmon filets on to pieces of tinfoil on a baking tray.To bake the salmon in the oven, here's what you'll do: The mango salsa and salmon combination is perfect because of the sweet mango and meaty salmon! Instructions Go here for the the complete instructions and tips for making the mango salsa. ![]() See the recipe card below for quantities and instructions. This was inspired by this Yummy Mango Salsa on my site because it was calling for out for a simple slice of delicious salmon to go with it. This oven baked salmon is such an easy way to get a healthy meal on the table, even on a busy weeknight. Dinner is served! Oven roasted salmon is a simple and "no-mess" way to cook this healthy fish! If sustainability is your primary concern, look for certifications like those given out by the Marine Stewardship Council, or check the Monterey Bay Aquarium’s excellent “ Seafood Watch” site for more detailed info about what you see in the fish case.This recipe for salmon with mango salsa will be a hit in your house! A simple oven-roasted salmon with fresh lemon and butter will cook while you put together a deliciously sweet mango salsa. However, it is more expensive and it is not always necessarily more sustainable! Like we said, this stuff can be genuinely confusing. Is it better to buy fresh or frozen salmon? Wild or farmed? In general, wild salmon tastes better than farmed. Salmon is extremely popular and overfishing means that some salmon populations are becoming endangered, so the supply of wild salmon struggles to meet the demand. Why is salmon so expensive? Wild salmon can be a bit pricey, though usually not as expensive as say, halibut. But here, we’ll tackle a few of the most common salmon buying issues so that you can feel a little smarter at the fish counter: The easiest, no-brainer way to be certain that you’re buying the best salmon you can is simply to visit the best fishmonger in your area, and buy whatever kind of salmon filet they recommend! One and done. There’s not just one kind of salmon-there are quite a few! And they often have different price points. Buying fish can be intimidating and even if you feel like you kinda know what you want-for example, in this case you know you want salmon-it can still feel weirdly tricky. ![]() We provide concrete barrier blocks in New York, New York.ĭon’t worry if you are not located within the exact city of New York, because we still provide concrete services to cities and towns all over. Major tourist destinations consist of Times Square and Broadway, The Statue of Liberty, Central Park, and Manhattan’s Chinatown. The city is a hot spot for media, entertainment, dining, fashion, art, politics, education, commerce, research, and technology. Within the harbor, which is fed by the Hudson river, the city can be found to be built on a few different islands: Long Island, Manhattan, and Staten Island. The city is located in the the south eastern part of the state of New York, which is located in the northeastern part of the U.S. The city spans over an area of three-hundred square miles and is separated into five different areas. New York, usually known as “New York City” is not only the most populous city in the state of New York, but also in the whole entire country of the United States. If you have any questions or concerns about either of these methods, or anything we have talked about in the article above, please do not hesitate to call us. We will do the loading of the blocks onto the trailer for you, so no need to worry about that part of things. All we ask is that you bring with you a set of straps and/or chains to secure the blocks to the truck trailer. Once you have a date and time set up, you will be able to come visit our plant and receive your blocks. For pick up, you will need to call our facility and speak with someone from our team about setting up a date and time to pick up your blocks. And now we will talk about the pick up method. If you do not have this type of space, we can discuss drop off of the blocks at another, nearby location and use smaller machinery to transport the blocks to the actual, desired site. Next, your jobsite must have adequate space for the delivery semi to enter and exit the site safely. The machinery you have must be able to 1) lift weight up to 3,600, 2,400, or 1,800lbs, depending on which size of block you are having delivered, and 2) reach a height up to 7’+ because, in height, each block is 2’ and the trailer is usually 5’. First off, you must have the proper on-site machinery in order to offload the delivery truck once it arrives. For delivery to go efficiently and smoothly, there are a few different requirements that must be met. We offer two methods: delivery or pick up. We provide bin blocks in New York, NY…but how do you receive them? We will now discuss transportation methods of your concrete blocks. If you have any questions regarding these blocks, or any of our other blocks, please give us a call! ![]() For a typical semi truck bed, thirteen of the 6’ blocks can be fit, eighteen of the 4’ blocks can be fit, and twenty-six of the 3’ blocks can be fit. For New York especially, we have three sizes of this block available: a 6’ x 2’ x 2’ block that weighs 3,600lbs, a 4’ x 2’ x 2’ block that weighs 2,400lbs, and a 3’ x 2’ x 2’ block that weighs 1,800lbs. In addition, the blocks come with a easy way to move them: a rebar handle loop sealed into the concrete on top of the block. The normal and reverse wedges lock into one another to secure the blocks together. On the top and side of the block, they have a typical v-wedge and on the bottom and other side of the block, they have a reverse version of the v-wedge. This block is equipped with a few special v-wedges that enable the blocks to interlock, making them useful for a variety of projects. For this area, we have a particular concrete barrier block available. We provide concrete barrier blocks in New York, NY. ![]() ![]() You should also be able to resize your footage to fit YouTube’s requirements. Cropping allows you to remove elements in a frame in much the same way as you crop a photo. Trimming will eliminate unwanted segments, while slicing lets you split your video to insert or reorder content. Editing tools: At a minimum, the best video editing software should allow you to trim, slice, and crop your video.The best vlogging editing software for YouTube channels should at least provide the following: What features should you look for in editing software for YouTube?Īfter you narrow your list to products that fit the above criteria, you can further chip away at that list by looking for the essential features all good editing software should have. While many do, several free video editing software products are only compatible with specific operating systems, devices, or recording tools such as mics or video cameras.Ĭonsider these three factors to whittle your choices down, making the process of finding the best YouTube editing software less overwhelming. You may assume that all YouTube editing apps work on every device and operating system. Compatibility: Don’t overlook this crucial point.Likewise, if you’re already skilled, you want a program with enough versatility and tools to do what you need it to. Skill level: If you’re a beginner, you shouldn’t have to become an expert before you edit and post your first video.You don’t need to spend more than your budget comfortably allows to get a great video editing app for YouTube. Affordability: You’ll see great video editing features at every price point, ranging from free to quite expensive.Jumping right into the first program you happen upon may turn your video editing for YouTube into a nightmare that takes hours of your valuable time - time you could be spending filming your next video, sleeping, or any number of other professional or personal activities.Īs you start checking out the different options for the best YouTube editing software for you, make sure the one you choose meets your criteria for the following: We recommend that you do a bit of research before you choose your software. How do you choose the best video editing software? If you’ve already honed your editing chops, you can use software fit for studio productions. You can get beginner tools that still give you a pro-level look to your finished product. The top video editing software programs have features that work best for different skill levels and editing needs. If you find yourself asking, “What video editing software do bloggers use on YouTube?” the answer depends on the person. Our pro version adds additional features and allows team access, all at a reasonable rate. We offer a free version that’s great when you’re just starting out. With VistaCreate’s video editing tool, trimming, cropping, and splitting footage is a breeze, even if you are an editing newbie. A higher price tag doesn’t necessarily equal a better-performing product. There are excellent YouTube editing apps or websites to match every skill level. The best YouTube editing software lets you turn the cool visions in your mind into reality on the screen. If you want to be a successful YouTuber, you need a spiffy video with content that speaks to viewers. Creators upload an estimated 700,000 hours of content to the platform daily. YouTube has more than 2 billion users from over 100 countries. ![]() Video editing software helps you stand out from the crowd Let’s cover a few things you should know when choosing the best app to edit YouTube videos before we dig into the details for each software we feature. The following programs are the best paid editing software for YouTube: The best free editing software for YouTube is: We’ll be diving into specific features for the programs we think work for creatives - whether you’re a video editing novice or a pro - but here’s a sneak peek at our lists. If you have significant editing experience and a budget to play with, you may want to opt for software that allows you to fine-tune your footage for a monthly or annual fee. You can find free programs with valuable tools and must-have features. There are so many options for creators who desire professional and engaging video content for their channels. Edit videos with VistaCreate YouTube editing software that works best for creators ![]() The research of population distribution is important, as it is concerned with how humans are related to and interact with their physical and socioeconomic environments 5, 6. It is a key issue of population geography, focusing on the quantity of people, their spatial distributions and the resulting density over an area 1– 4. Human population distribution is described as the study of where people live. The dataset is expected to be useful for understanding how population responds to and impacts environmental change. All of the data were quality controlled and unified into an identical dataset with the same spatial scope and time period. Natural environment and natural resources indicators were calculated using Geographic Information System (GIS) and Remote Sensing (RS) techniques, whereas economic and social factors from 1949 to 2013 were collected from the China Statistical Yearbook and China Compendium of Statistics from 1949 to 2008. Driving factors of population distribution were selected according to the push-pull migration laws, which were summarized into four categories: natural environment, natural resources, economic factors and social factors. Here, we present a dataset on Chinese population distribution and its driving factors over a remarkably long period, from 1949 to 2013. Unfortunately, such spatio-temporal data on a large scale and over the long term are often difficult to obtain. Spatio-temporal data on human population and its driving factors is critical to understanding and responding to population problems. |
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