The interest rate is the rate at which the amount of money owed increases. You typically receive this money as a lump sum and then begin paying it back on a monthly basis. The principal is the overall amount of money being borrowed. Loan basicsīefore you take out a loan, you should be familiar with vocabulary terms used by lenders: Principal The APR includes the interest rate as well as fees and any other costs (i.e., closing costs or discount points), amortized on an annual basis. The annual percentage rate (APR) of a loan is slightly different, but more closely reflects actual annual costs. The interest rate is the annual cost of a loan to its borrower, expressed as a percentage of the principal borrowed. Personal loans and student loans are typically unsecured loans. These loans tend to have stricter borrowing requirements, lower borrowing limits and higher interest rates. Home equity loans and auto loans are typically secured loans.Īn unsecured loan does not require collateral, making it a safer option, especially if you have good credit and can qualify for the best interest rates. However, because the lender is taking on less risk, these loans do tend to come with lower interest rates and better terms over all. These loans involve a great deal of risk since you could lose your asset if you do not pay the loan back. This is typically something like a house or vehicle. Secured loans require you to put up an asset as collateral. Loans come in secured and unsecured options. If you are having trouble qualifying for a federal loan, compare terms and rates on private student loans before choosing a lender, as these can vary widely. Federal student loans are generally better because they come with borrower protection and have standardized deferment and forbearance periods. There are both federal student loans and private student loans. Student loans are loans specifically for educational purposes.If you are in the market for a personal loan, compare top lenders to find the one with the best rate for your circumstances. These loans have fixed interest rates and repayment terms. Personal loans are sums of money you can borrow from a bank, credit union or online lender that can be used for virtually any purpose.Before choosing a home equity lender, be sure to compare rates and terms. There are two types of home equity products: home equity loans and home equity lines of credit. You can calculate your home equity by subtracting your mortgage balance from your home’s current market value. They typically have better interest rates and terms than other loan products. These loans are secured, using your house as collateral. Home equity loans are loans borrowed against the value of your home.Make sure to shop around and find the best rates before committing to a specific lender. If you fail to make payments, you could lose your vehicle. Auto loans are secured loans, meaning that the vehicle is put up as collateral. Similar to personal loans, auto loans allow you to borrow a lump sum and pay it back over a set repayment period with interest. Auto loans are loans intended to help finance a vehicle.There are many different types of loans available from several different types of lenders that can be used for a variety of purposes: For example, if you have an auto loan with a monthly payment of $500, your first month’s payment might break down into $350 toward interest and $150 toward the principal. Often, within the first few years, the bulk of your monthly payments will go toward interest. In the context of a loan, amortization is when you pay off a debt on a regular, fixed schedule. If you would prefer a loan payment calculator that delves into the granular details (such as amortization), use our more robust calculator. Because this is a simple loan payment calculator, we cover amortization behind the scenes. The Bankrate loan payment calculator breaks down your principal balance by month and applies the interest rate you provide.
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It’s where you’ll hear VA nurses share their thoughts on the healing power of music.Whatever it is that scares you, here are 10 ways to help you cope with your day-to-day fears and anxieties. Making the Music is a compelling video that shares the behind the scenes view of how these songs were created, provides personal insights from both the nurse and songwriter perspective. During this retreat, VA nurses collaborated on the creation six original songs, sharing their most personal stories of triumph and loss. In Soldier On, he wrote:ĭuring late March, a songwriting retreat was held near Nashville. Kemp wanted Veterans to know that he is with them through their fight to regain their life and health. Then come morning we do it all again.” “You’re gonna be all right.” However, no one can experience the level of stress for the period of time we did without it breaking us down,” said Susan Pelz, an Air Force National Guard Veteran and nurse manager at Central Arkansas VA in Little Rock. “Nurses are tough physically and emotionally, as tough as many Veterans. I’ll be the one who listens when all they need’s a friend,Īnd when you send your angels to call them home, Balfour-Cleman’s emotional journey with COVID patients in a state Veterans home led to these lyrics in A Nurses Prayer: The experience of caring for Veterans during the height of the COVID-19 pandemic inspired pieces by Balfour-Cleman and Susan Pelz. “By building trust and checking in on them, they can feel they are not forgotten,” Sauerland said, as the inspiration for his song. Sauerland, an Air Force Veteran and psychiatric nurse at South Texas VA in San Antonio, cares for Veterans who have moved away from society to rural areas. The Veteran songwriters’ understanding of their patients is evident throughout their songs. I’m one of you.” Roland Sauerland, “The Forgotten” Regardless of background, all any Veteran needs to participate in Freedom Sings USA is a desire to tell their stories. The former Army Specialist and licensed vocational nurse is a musician who plays the guitar, drums, sings and writes songs. The other nurse Veterans had little or no musical experience except for James Adams. As a child, Nikki Kemp rapped with his brother in an Egyptian commercial selling neckties. Marvia Balfour-Coleman, who served in the Army National Guard and is a registered nurse at Memphis VA, always sang in church and school choir when she was growing up. Mariva Balfour-Coleman “A Nurses Prayer”.This Nurses Month, Freedom Sings USA will debut 11 songs written by VA Veteran nurses. All VA nurses are here to help heal visible and invisible wounds,” said Gorecki, who served in the Marine Corps and as a nurse manager at Chicago’s Hines VA. Veteran nurses understand and relate to the invisible scars. “As VA nurses, we have a unique journey to help those who have borne the battle. She still proudly serves her fellow Veterans as a VA nurse. In Loretta Gorecki’s powerful song, she writes that when her uniform changed from military fatigues to scrubs, her mission did not. To people just like me.” Loretta Gorucki, “Invisible Scars” The organization’s mission is to help Veterans, military personnel and their families tell their stories through song. This National Nurses Month, Freedom Sings USA will debut songs written by VA Veteran nurses who told their stories through the creative songwriting process, thanks to Freedom Sings USA, a nonprofit based in Chattanooga, Tennessee. Iglesias voiced Ned and Zed in the 2013 DisneyToon Studios film, Planes. Iglesias hosted/co-hosted six episodes of Equals Three, and played a strip club DJ and drug dealer in the 2012 film Magic Mike. In 2011, Comedy Central debuted Gabriel Iglesias Presents Stand Up Revolution, a stand-up series that Iglesias produced and hosted, running for three seasons before ending in 2014. That same year, he began voicing a recurring set of identical twin characters on The Emperor's New School, a Disney animated series that he describes as his favorite voice work. In 2007, Iglesias voiced an entire Mexican family in " Padre de Familia", a sixth season episode of the Fox TV animated comedy Family Guy. He was disqualified at that point for having used a smuggled BlackBerry to communicate with family and friends, which violated the rules of the show. Iglesias was a contestant on the fourth season of reality TV series Last Comic Standing in 2006, surviving elimination to become one of the final eight comics. In 2000, he appeared in the sixth season of the Nickelodeon sketch comedy series All That, co-starring with Amanda Bynes and Nick Cannon. Iglesias often references his weight in his comedy, often saying, "Oh, I'm not fat, I'm fluffy", elaborating that there were five levels of fatness, "Big", "Healthy", "Husky", "Fluffy", and "DAMN!!!" In 2009 he added a sixth level, "Oh hell, no." Iglesias worked for a cell phone company in Los Angeles and in 1997 went into comedy full-time, though it resulted in him being evicted from his home and losing his car. He grew up in Riverside, Corona, Santa Ana, Baldwin Park, and Compton before settling in Section 8 low-income housing in Long Beach, where Iglesias spent most of his youth. His mother Esther raised him as a single mother. Gabriel Jesús Iglesias was born J in San Diego, California, to Esther P. In 2018, Iglesias was one of the top 10 paid comedians in the world. He was also the host of the shows Stand Up Revolution on Comedy Central and Fluffy's Food Adventures on Fuse. Iglesias on Netflix, playing Tobias in the 2012 movie Magic Mike and its 2015 sequel, and providing the voice of Speedy Gonzales in Space Jam: A New Legacy. As an actor, he has appeared in numerous live-action and animated TV shows and films, including starring in the sitcom Mr. He has produced a number of stand-up specials for television outlets such as Comedy Central and Netflix, including I'm Not Fat… I'm Fluffy and Hot & Fluffy. Gabriel Jesús Iglesias (born July 15, 1976) is an American stand-up comedian and actor. Latin American culture, race relations, obesity, everyday life, pop culture, social awkwardness Observational comedy, clean comedy, surreal humour, self-deprecation, satire While it isn’t impossible to make a nitrocarburized gun corrode, it’s not likely to happen under normal use. Nitrocarburizing actually changes the chemical composition of the steel’s surface. G3 pistols come with matte-steel slides nitrocarburized in black. Few things corrode a gun more quickly than constant exposure to the salts and moisture from human perspiration. All G3 pistols feature Taurus’ refined trigger, which was designed for a 6-pound pull. It’s difficult to find fault in a $343 striker-fired pistol with a 5- to 6-pound trigger with restrike capability. When firing in single action, I noticed that the take-up was long but the feel was predictable, and there’s minimal stacking. In double-strike mode, pull weight averaged 6 pounds. In its single-action operation, the trigger required an average pull of 5.1 pounds to fire for each stroke of the trigger. However, if you come up against a stiff primer that requires a second strike, you’ll know that you can deliver a second blow to the primer with another pull of the G3’s trigger. Since that is a rare occurrence, many shooters would never know if their pistol has such a feature. This would only occur if there was an attempt to fire the gun and the primer failed. Should the initial attempt to fire a cartridge fail to ignite a hard primer, G3 pistols automatically reset to fire from its double-action mode. For starters, these striker-fired pistols offer restrike capability. Whether you prefer short slides and a long grip, or vice versa, every Taurus G3 variant shares several features. The new G3XL has the shorter height of the G3c - content to carry its 12-round magazine - combined with 4-inch barrel and slide from the G3. So, Taurus gave them what they wanted, too. Then others asked for a different mix, mainly the longer slide of the G3 paired with the short grip of the G3c. Some wanted the greater capacity of the standard G3 with the shorter barrel of the compact G3c, so Taurus created the G3X it has a full-size frame, 15-round capacity and a shorter 3.2-inch barrel. Of course, many said they wanted features of both. Taurus followed the G3 by introducing the G3c that same year, a compact version with a 3.2-inch barrel and 12-round capacity. The original G3 came with a 4-inch barrel and a magazine capacity of 15 or 17 rounds. Additionally, it uses the shorter 12-round magazine from the G3c. However, it features the longer slide of the G3. Despite the “extra-large” sounding name, the G3XL features the compact grip frame of the easier-to-conceal G3c. That’s nothing earth-shattering since the vast majority of 9mm carry pistols released during the course of the last decade follow the same recipe, but Taurus found a way to pack these pistols full of user-friendly features while keeping the suggested retail below $350 (and discounted prices around $300). Introduced at the 2022 SHOT Show, the G3X and G3XL are striker-fired pistols with a polymer frame and a steel slide. With a retail price near $350, there’s a strong case that the G3 offers the best value of any semiauto 9mm. As a matter of fact, the G3 and G3c are now two of Taurus’ top sellers. There was nothing wrong with the original G3, which just came out in December 2019. The company is listening to those of us who buy their guns, which is evident by the release of the new Taurus G3X and G3XL pistols. Led by a young-for-a-CEO Bret Vorhees, Taurus has changed for the better. Hence, some guns don’t change much year to year. Some firearms companies turn a deaf ear to potential customers, ignoring the pleas and suggestions of their base. Delivery System Handbook for Personal Care and Cosmetic. A Review of the Use of Biotin for Hair Loss. Pazyar N, Yaghoobi R, Kazerouni A, Feily A. On the flip side, if masking the odor of second- or third-day hair is your endgame, try an option with a fresh, clean scent (we won't tell if you don't). We love the vanilla-scented Amika Perk Up Dry Shampoo, for its delicious fragrance that lasts all day long. Some dry shampoos are heavily fragranced, so if you're sensitive to strong perfumes, it might be best to opt for an unscented formula. We love the OGX Dry Shampoo, which features an invisible finish, so it's worth trying if you have darker toned hair so it won't show up. Those with blonde hair might opt for a tinted formula like the Moroccanoil Dry Shampoo Light Tones, which has purple undertones and works as a toner to ice out any brassy tones.īear in mind that many dry shampoos leave a chalky residue, and while this can work for those with blonde, platinum, silver, or otherwise light hair, the dark-haired set will want to look for a tinted or "invisible" dry shampoo to avoid a powdered-wig look. We love the Kristin Ess Style Reviving Dry Shampoo, which contains keratin, wheat, and pea protein.ĭepending on your hair color and personal preferences, you may want a clear finish, a tinted formula, or something in between. We also love formulas that contain hair-healthy ingredients to fortify your strands when you spritz. Aerosol sprays, which often contain butane or propane, can also be irritating-fortunately, there are dry shampoos available in gel, foam, and tinted powder form. We love the Billie Floof Dry Shampoo, which is scent-free and also does not contain aerosol. If you have a sensitive scalp, you might want to avoid using a dry shampoo that contains a fragrance. Our top pick, Klorane Dry Shampoo also contains starch and silica for oil absorption, with the added benefit of oat milk to help soothe the scalp. We love the Oribe Gold Lust Dry Shampoo, which contains starch and rice powder to help zap up oil. Whether alcohol- or starch-based, dry shampoos deliver drying agents like silica, clay, charcoal, tapioca, or baking soda to absorb oils, refresh your hair, and make it appear cleaner. What To Look For When Buying Dry Shampoo Ingredients She is also experienced with using dry shampoo on her clients and will often recommend its use when necessary to help revitalize hair when used correctly. She is based in Los Angeles and has extensive experience with all hair types and textures. Kari Williams is a board-certified trichologist, licensed cosmetologist, Black hair care expert, and the creator of Goddess Locs. The axis of rotation passes into and out of the body at two points known as the north (N) and south (S) poles.Ī celestial body may also move around another in a closed path called an orbit. This spinning motion is called rotation (see Fig. (Adapted from: Purdue University, Theory of Tropics)Ī celestial body spins around an imaginary line through itself called an axis. , or 9.46 trillion kilometers! Thus, 1 ly = 9.46 × 10 12 km Celestial Bodies Rotation and Revolutionįig 1: Rotation. Since there are 86400 seconds in a day, and there are 365 days in a year, a light year equals The distance that a light beam can travel in a year is known as a light-year ( ly). This is equivalent to light being able to circle the Earth seven times in one second! Accordingly, light-second ( light-sec), a unit of distance, is defined as 1 light-sec = 300000 km The speed of light is the greatest speed that can be attained by any material object in the universe, and is about 300000 km / s. Instead, distances in space are measured using the speed of light. The size of the universe is so beyond human comprehension that the common units of distance, like the kilometer, make little utility sense. The universe, in effect, is mostly empty space. The space, along with the celestial bodies, make up what we call the Universe. They are separated from each other by immense regions of emptiness called space. The Universe - 01 Celestial Bodies & the UniverseĪll astronomical objects in the sky, such as the Sun, the Moon and the stars, are collectively known as celestial bodies. The page has been upgraded to a new home. She convinced Pattillo that she had no nefarious intentions about Henrietta’s story and. She was white, but she cared about what she considered victims of research no matter what their color. 73 Rebecca Skloot, The Immortal Life of Henrietta Lacks (New York: Crown, 2010), 256. Rebecca provided him with documentation about her dedication to investigating questionable medical incidents involving black people and dubious research. The author reveals the story about the life of Henrietta Lacks, an African American woman who was diagnosed with a fast-growing cervical cancer at a young age. Race, New Orleans Medical and Surgical Journal 7 (1851): 691. They were very sensitive about Henrietta’s experience. Pattillo knew how to contact Henrietta’s family but grilled Rebecca about her intentions. She contacted Roland Pattillo, a professor of gynecology at Morehouse. Download Chapter 15 Ap Biology Notes now Molecular Biology of the Cell Bruce Alberts 2004 The Immortal Life of Henrietta Lacks Rebecca Skloot 2010 Her name. The school was one of the oldest black universities in the country. The Immortal Life of Henrietta Lacks: Chapter 8 Summary & Analysis. Eleven years after author Rebecca Skloot learned about Henrietta in a classroom, she discovered some scientific papers entitled, “The HeLa Cancer Control Symposium” at Morehouse School of Medicine in Atlanta. For CBSE Boards 11th NCERT Biology- Chapter 8- Cell- The unit of life (NEET, AIIMS. After she gets dumped by her latest boyfriend, Lucy is inspired to create The Broken Heart Gallery, a pop-up space for the items love has left behind. In conclusion Like I said earlier this film does have good acting and good jokes that make it worth the watch just don't expect anything new here. The Broken Hearts Gallery follows the always unique Lucy (Geraldine Viswanathan), a 20-something art gallery assistant living in New York City, who also happens to be an emotional hoarder. After being dumped by her boyfriend, Lucy creates a gallery for the items love has left behind and discovers she is not the only one who needs a little help letting go. I know that there isn't much that hasn't been done in a romantic comedy but you still need find something unique to give your story weight as it is I could just put on any romance film and get a similar feeling that I get in this film. I literally was able guess what was going happen with in the first few minutes of the film. Broken Hearts Gallery, on the other hand, felt like an introduction to adult relationships and breakups, how normal and inevitable they are, and the maturity that you have to have. The Broken Hearts Club: A Romantic Comedy (WS/P&S) (DVD) 14.99. Choose from Same Day Delivery, Drive Up or Order Pickup. However this film does have big problem with its writing in the that it is just cliche. Read reviews and buy The Broken Hearts Gallery (Blu-ray + Digital) at Target. The jokes can be hit or miss at times but for the most part the film is pretty funny. In Natalie Krinsky’s directorial debut, The Broken Hearts Gallery, Geraldine Viswanathan plays Lucy, a 26-year-old hipster who lives in Brooklyn with two roommates, Amanda and Nadine. The acting is pretty good especially Geraldine Viswanathan who brings a great amount of energy and charisma to the role of Lucy. Check out the great thrillers, documentaries and romantic comedies you can buy. The Broken Hearts Gallery is the first film to be directed by Natalie Krinsky and is about a girls named Lucy Gulliver, played by Geraldine Viswanathan, who collects stuff from her past breakups and one day after she goes through another breakup decides to open up a gallery where people can The Broken Hearts Gallery is the first film to be directed by Natalie Krinsky and is about a girls named Lucy Gulliver, played by Geraldine Viswanathan, who collects stuff from her past breakups and one day after she goes through another breakup decides to open up a gallery where people can come and drop off items from a past breakup. New Movies on Demand: 'The Broken Hearts Gallery,' 'A Rainy Day in New York' + More. Find your way with voice navigation and turn-by-turn driving, transit, and walking directions. Quickly type or write it on your desktop, and you can even sync across devices. Mac OS X 10.7 or later, 64-bit processor Description. License 2.99 version 1.4 File Size 1.3 MB Realese Developer Holger Jansen O.S. Grocery lists, home improvement projects, books to read-use a Sticky Note to help you remember. MetaMovie If you build you own movie library in iTunes, then you want it to look perfect. See what’s newĬoordinate schedules, plan family game night-with the Calendar app 3 you can easily see what’s on the agenda and stay a step ahead. Stay on top of your day with the Mail and Calendar apps. , Gmail, iCloud, and Yahoo!-they're all in one place, making it easy to send messages and schedule appointments with your most important people. Metamovie is a simple script to fetch information about a movie and store it as git-annex metadata. Not only does it come with a great set of editing tools, but it also has a smart search function, and convenient ways to share 5 your photos with friends and family. metamovie, metamovie for windows, metamovie app, metamovie mac, metamovie windows download, metamovie alternative, metamovie download, metamovie mac download, metamovie windows alternative, meta movies movies. Moore is the creator and director of The MetaMovie Presents: Alien Rescue, an award winning cutting edge live Virtual Reality experience that combines elements of cinema,video games, live theater and role playing. Microsoft Photos has everything you need to keep your digital memories organized. As a precautionary measure, our security team has determined that it would be well advised to update your Pandora password. However, we pride ourselves on running a tight ship and threats of this nature are taken very seriously. To verify that this email address or any other email address you may have was affected by this breach you can visit this site: Īt this time, there is no evidence that your Pandora account has been tampered with. We are just letting you know as a precaution since many people use the same email address and password on multiple accounts. We don't have access to your LinkedIn account password. Like LinkedIn, Pandora usernames are made up of the email address registered to the account. Pandora identified your information from the LinkedIn credential dump. LinkedIn was affected by a data breach resulting in usernames and passwords being released to the internet last month. Thanks for writing and sorry for any confusion. I dont remember my Pandora password and the email associated with my Pandora free account no longer exists (so they cant send me my password.) Id hate to lose the dozens of identified artists that exist in my Pandora rotation. After you have changed your Pandora password, you should also ensure that you have created new passwords for any other site where you might be using the same credentials. Pandora recognized me when I opened the site and no longer does. Pandora doesn’t make clear in its email advisory quite what site it is referring to when it refers to “usernames and passwords that were breached from a service other than Pandora a few years ago…” but it’s quite possible they are referring to some of the mega-breaches that have recently grabbed the headlines.īut don’t stop there. If you share passwords across services and haven’t updated them recently, and you haven’t already reset your Pandora password, you should do so now.īelow is a link with which you can request a password reset on Pandora. In order to protect Pandora Listeners, our security teams have analyzed the data and found that your Pandora username was included in the list. However, usernames and passwords that were breached from a service other than Pandora a few years ago were posted on the web recently. Here is an email that Pandora has sent to impacted users:Īs a precaution, we want to make you aware of a situation that could possibly affect your Pandora account.įirst off, there is no evidence that your Pandora account has been compromised or tampered with in any way. The affected users have made the classic mistake of reusing the same password on different websites – and one of those other sites has had its passwords compromised. How can users’ passwords be compromised if Pandora hasn’t suffered a hacking attack? Simple. If you’re a Pandora user, especially if you’ve received that email, you may want to go set a new password to protect your account.Some users of the Pandora Radio have been advised to change their passwords – not because the music streaming service has suffered a data breach, but because Pandora has reason to believe that their passwords may have been compromised. This is why it’s best to use a different password each time (but we understand – ain’t nobody got time for that). Unfortunately the issue of login details being hacked and sold on the Deep Web is more prevalent than it may seem. If you share passwords across services and haven’t updated them recently, and you haven’t already reset your Pandora password, you should do so now.Īlthough Pandora’s systems weren’t hacked themselves the risk is that many use the same username and password across various different services and platforms. Pandora examined the data and warned users it found to be at risk, saying:Īs a precaution, we want to make you aware of a situation that could possibly affect your Pandora account.įirst off, there is no evidence that your Pandora account has been compromised or tampered with in any way. Thanks to a “data dump” from a different service that was recently released to the public that contains usernames and passwords of users. Pandora hasn’t been hacked, but it’s users accounts could be. Radio-based music streamer Pandora is warning it’s users to change their passwords thanks to a breach in a different service leading to hacking risks. |
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