![]() ![]() The agreement provides for an interest rate on any credit extension of, for example, 1%. The line of credit may be used to borrow against the funds in the time deposit. A consumer enters into a combined time deposit/credit agreement with a financial institution that establishes a time deposit account and an open-end line of credit. The creditor's failure to pay interest on the $6,000 does not result in an additional finance charge on the extension of credit, provided the consumer is entitled by the deposit agreement with the financial institution to interest only on the amount of the consumer's deposit.ī. The financial institution offers to lend the consumer $6,000 at an interest rate of 6% but will pay the 15% interest only on the amount of the consumer's deposit, $4,000. ![]() A consumer wishes to buy from a financial institution a $10,000 certificate of deposit paying 15% interest but has only $4,000. However, the consumer must be entitled to the interest that is not paid in order for the lost interest to be a finance charge. The interest lost is a finance charge and must be reflected in the annual percentage rate on the loan. The creditor charges the consumer an interest rate of 6% on the loan and stops paying interest on $5,000 of the $10,000 certificate for the term of the loan. A consumer borrows $5,000 for 90 days and secures it with a $10,000 certificate of deposit paying 15% interest. If the creditor reduces the interest rate it pays or stops paying interest on the consumer's deposit account or any portion of it for the term of a credit transaction (including, for example, an overdraft on a checking account or a loan secured by a certificate of deposit), the interest lost is a finance charge. (For additional discussion of the treatment of taxes, see other commentary to § 1026.4(a).)ģ. A tax imposed by a state or other governmental body on a creditor is not a finance charge if the creditor absorbs the tax as a cost of doing business and does not separately impose the tax on the consumer. A discount imposed on a credit obligation when it is assigned by a seller-creditor to another party is not a finance charge as long as the discount is not separately imposed on the consumer. However, if the creditor separately imposes a charge on the consumer to cover certain costs, the charge is a finance charge if it otherwise meets the definition. Charges absorbed by the creditor as a cost of doing business are not finance charges, even though the creditor may take such costs into consideration in determining the interest rate to be charged or the cash price of the property or service sold. If an escrow agent is used in both cash and credit sales of real estate and the agent's charge is $100 in a cash transaction and $150 in a credit transaction, only $50 is a finance charge.Ģ. If the charge in a credit transaction exceeds the charge imposed in a comparable cash transaction, only the difference is a finance charge. Charges for a required maintenance or service contract imposed only in a credit transaction. Fees for preparing a Truth in Lending disclosure statement, if permitted by law (for example, the Real Estate Settlement Procedures Act prohibits such charges in certain transactions secured by real property).Ĭ. Inspection and handling fees for the staged disbursement of construction-loan proceeds.ī. In contrast, the following items are finance charges:Ī. Charges for a service policy, auto club membership, or policy of insurance against latent defects offered to or required of both cash and credit customers for the same price. This is the case even if an individual must pay cash to obtain the discount, provided that credit customers who are members of the group and do not qualify for the discount pay no more than the nonmember cash customers.ĭ. Discounts available to a particular group of consumers because they meet certain criteria, such as being members of an organization or having accounts at a particular financial institution. Discounts that are available to cash and credit customers, such as quantity discounts.Ĭ. Taxes, license fees, or registration fees paid by both cash and credit customers.ī. ![]() For example, the following items are not finance charges:Ī. A creditor financing the sale of property or services may compare charges with those payable in a similar cash transaction by the seller of the property or service. ![]() In determining whether an item is a finance charge, the creditor should compare the credit transaction in question with a similar cash transaction. Charges imposed uniformly in cash and credit transactions are not finance charges. ![]()
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![]() Hawaii Safe Travels: COVID-19 Pre-Entry Requirements As a result, there are no longer any interisland restrictions or requirements for travelers who are not subject to quarantine. ![]() The interisland travel quarantine expired on June 14, 2021. Hawaii Tourism Restrictions & Requirements Travel to Hawaii from MainlandĪll travelers entering Hawaii must self-quarantine for 10-days or meet the requirements of the Hawaii Safe Travels program.
![]() Grant me both so that I may take heart and face the trial set before me. Here's a sample: Great Healer, I need your peace and healing in my life. For further spiritual growth help, use these prayers for peace. You experience the peace of God when you come to Him in humility and accept the blessings He wants for you through Jesus Christ. God wants you to have a life lived to the fullest and that includes being at peace. The best thing you can do when you are filled with anxiety and worry is to find a quiet place to pray, read Scripture, and listen to encouraging worship music. Romans 12:18 ~ If possible, so far as it depends on you, live peaceably with all.Ĭolossians 3:15 ~ And let the peace of Christ rule in your hearts, to which indeed you were called in one body. Let not your hearts be troubled, neither let them be afraid. John 14:27 ~ Peace I leave with you my peace I give to you. Matthew 5:9 ~ Blessed are the peacemakers, for they shall be called sons of God. Isaiah 26:3 ~ You keep him in perfect peace whose mind is stayed on you, because he trusts in you. But take heart I have overcome the world.”Ģ Thessalonians 3:16 ~ Now may the Lord of peace himself give you peace at all times in every way. ![]() John 16:33 ~ I have said these things to you, that in me you may have peace. ![]() Use these Bible verses about peace for meditation when you feel overwhelmed and do not know the next step to take. If we ask God, He promises us HIS peace "that passes all understanding"! When we take time to step back from the pressure of life and come into the presence of God, He can speak promises of hope and comfort over our circumstances. ![]() The Bible contains verses that can bring peace amid struggles, worries, and fear. Bible Verses about Peace - Comforting Scripture Quotes ![]() ![]() ![]() Frosted Sugar Cookie Bars - sugar cookies with no rolling out! Bake in a pan and top with buttercream and sprinkles.Scotcheroos - no bake peanut butter bars topped with chocolate and butterscotch.Mint White Chocolate Fudge - white chocolate fudge with a fresh minty flavor. ![]()
![]() ![]() īridget Jones’s Diary (1996) by Helen Fielding: A novel written in the form of a personal diary chronicling a year in the life of Bridget Jones, a thirty-something single working woman living in London. It is a major work of literature written in Catalan and one of the earliest predecessors of the modern European novel. 1283) by Ramon Llull: A medieval novel chronicling the life of the eponymous hero, a nobleman who follows his religious vocation and is eventually elected as Pope. It contains texts from different authors and epochs, including narratives, songs, codes, chronicles, proverbs, letters, and other writings. īible: A collection of sacred texts or scriptures that Jews and Christians consider to be a product of divine inspiration and a record of the relationship between God and humans. – B –īerlin Alexanderplatz (1929) by Alfred Döblin: A modernist novel narrating, through montage and multiple points of view, the story of Franz Biberkopf, a convicted murderer who comes out from prison and struggles to survive in the underworld of Berlin during the interwar years. Īround the World in Eighty Days (1873) by Jules Verne: An adventure novel narrating the story of the English aristocrat Phileas Fogg and his newly employed French valet Passepartout, as they attempt to circumnavigate the world in 80 days on a £20,000 wager set by his friends at the Reform Club. ![]() It is regarded as one of the most accomplished realist novels. Īnna Karenina (1878) by Leo Tolstoy: A Russian novel narrating the tragic story of a married aristocrat/socialite and her extramarital affair with the affluent Count Vronsky. Īnimal Farm (1945) by George Orwell: A political allegory about a farm where animals revolt against their human owners only to become enslaved and exploited by the pigs, who establish a new system as oppressive and tyrannical as the previous one. The third-person narrative is told exclusively from Strether’s point of view. ![]() The Ambassadors (1903) by Henry James: A novel that follows the trip of protagonist Lewis Lambert Strether to Europe in pursuit of Chad Newsome, his widowed fiancée’s supposedly wayward son. (novel)Īlice’s Adventures in Wonderland (1865) by Lewis Carroll: A novel about a girl named Alice who falls down a rabbit hole into a fantasy world populated by peculiar, anthropomorphic creatures. It narrates a voyage to Jupiter of a human crew with the sentient computer Hal after the discovery of a mysterious black monolith affecting human evolution. Clarke: A science-fiction novel, written in parallel with the film of the same name directed by Stanley Kubrick. Ģ001: A Space Odyssey (1968) by Arthur C. ![]() The novel tells the story of a party member who becomes disaffected and is prosecuted as a thought criminal by the repressive state apparatus. – A –ġ984 (1949) by George Orwell: A dystopian novel set in a world of perpetual war, omnipresent government surveillance, and public manipulation by a totalitarian party and its leader, Big Brother. Hyperlinks to the full entries are given in order to help students find additional information and references about these narratives in the course of their own research. The Wikipedia texts have been modified, expanded, or adapted as needed.
![]() ![]() Launchbar - Essential application and document launcherīus圜al - my preferred alternative to the built in Mac calendar application iCal Can also drag aliases of Papers PDFs into Mindmaps and Outlines. Start off ideas in Evernote or Byword/NValt file then import into Curio for formal outlining before Scrivener for grant applications. Papers can now insert bibliographies but it's a little in the beta stage right now.Ĭurio - brainstorming new ideas, diagram construction - dragging email conversations into it, Mindmaps, Outlines, researching images (websearching of google images, putting images into a table). After writing is complete, the text is exported to Word (or Apple's Pages) for references and bibliography to be added. ![]() I can outline large writing projects on a virtual cork-board to get an overview. I can write in the top half of the screen and have research documents (PDFs, webpages, images, movie files etc) in the bottom half. This is a beautiful piece of software that has many functions over and above a standard word processor. But before the text gets into Word I organise my thoughts and research documents in a program called Scrivener. For writing research papers, I have to use Microsoft Word like most of the world. Papers is the main reason I switched to Apple in 2008.Īt least half of my time is dedicated to research. The software will make them fully searchable, plays nicely with Endnote for creating bibliographies, imports the metadata from PubMed and allows direct import from PubMed, Google Scholar and many other research repositories. Luckily there's a great iOS dropbox application that keeps everything available wherever I am.įor dealing with PDFs, there is an easy winner - the fabulous Papers application from Mekentosj Software. I also have an iPhone and two iPads to maintain. It's crucial to my workflow, as I have a desktop at work and a laptop at home. That said, I'm test driving Omnifocus these days.ĭropbox is great for synchronising all your files automatically. Once complete, I put tasks into Evernote. ![]() Remember The Milk - A very straightforward task management web-based system. I'm a subscriber (and have been for several years) website does great instructional videos. ![]() ![]() ![]() The plan was devised by Ryan (my archnemesis!), so it will obviously fail.In general, em dashes are much more likely to be used this way in informal writing. It turned out that the three sisters -Alexa, Siri, and Cortana-were actually robotsĮm dashes can replace parentheses that contain interruptions or commentary.It turned out that the three sisters, Alexa, Siri, and Cortana, were actually robots.Jimi Hendrix -a master guitar player if there ever was one-was left-handed.Įm dashes are especially useful for clarity if the additional information that would normally be set of by commas has additional commas itself:.Jimi Hendrix, a master guitar player if there ever was one, was left-handed.The following example shows how the same sentence can use either commas or em dashes: Em dashes are typically seen as more attention-grabbing than commas, so they are especially useful to focus a reader’s attention on surprising or unexpected information. We can use an em dash, or multiple em dashes, in place of commas that set off additional information or asides. However, the em dash is usually viewed as being more informal than these other punctuation marks, so writers will often use em dashes sparingly but effectively when they want to draw a reader’s attention. ![]() In general, it is not considered to be grammatically correct or incorrect to use an em dash over any of the punctuation marks or vice versa. Rather than have its own unique usage, the em dash is typically used in place of several other punctuation marks: the comma, the colon, the semicolon, or the parentheses. Green -a man I always suspected-was the true culprit. I love kittens -who doesn’t?-but that doesn’t mean I want to adopt 50 of them.I think something might be wrong with Jeff -he thinks he is a squirrel.After days of deliberation, the jury came to its final verdict -not guilty.As you read each sentence, try to see if you can figure out what other punctuation mark was replaced by an em dash. The following sentences show different ways that we can use an em dash. ![]() ![]() ![]() These include covert device cameras, which “are hidden in household devices such as an alarm clock, smoke detector or computer speaker” GPS monitors that are placed on “bait” bicycles and packages to apprehend thieves and homeland security cameras that are placed on traffic poles throughout the city. The police department reported possessing eight pre-approved technologies. “The annual surveillance report is an essential part of that process created by the ordinance because that allows the city council and the community to basically know how that surveillance technology was used,” Falcon-Morano said. That data can be aggregated and can be stored, might have a kind of chilling effect people that wouldn't exercise their rights because they know they're being surveilled.”įalcon-Morano discussed the role of the surveillance report in rebalancing that power dynamic. ![]() they can collect massive amounts of data. “The problem is basically our surveillance technologies tilt the balance in favor of the government," Falcon-Morano said. He explained why the ACLU feels that transparency surrounding police surveillance technology is important. He has worked with the Somerville City Council over the past three years to draft and implement the ordinance as a part of the larger push by the ACLU to regulate surveillance technologies used by the government. “There were a few technologies that the administration for approval that the city council actually basically made it clear that we would not support.”Įmiliano Falcon-Morano is the policy counsel for the Technology for Liberty Program at the ACLU of Massachusetts. “The purpose of this is so that there's transparency and accountability around these technologies,” Ewen-Campen said. In 2018, Somerville’s Ward 3 City Councilor Ben Ewen-Campen worked with the American Civil Liberties Union of Massachusetts to introduce a city ordinance that would require the police department to obtain public approval from the city council for any new surveillance technology purchases. 15, allowing Somerville residents to see exactly what surveillance technology the city's police department is using. ![]() The events depicted in the findings and related evidence fall disappointingly short of the Department’s expectations and do not represent the values of the Somerville Police Department,” said Acting Somerville Police Chief Charles Femino.The Somerville Police Department made its first annual surveillance technology report to the Mayor's Office on Oct. The public must have confidence that officers discharge their duties with all due care and restraint. The City must be able to rely on the good judgment of its officers using force only when warranted by the circumstances as defined in Departmental policies. “While the overwhelming majority of law enforcement officers perform their duties with full professionalism, those who are alleged to have committed an act of misconduct will be held accountable. McGrath resigned prior to the date of the suspension taking effect. An internal investigation by the Somerville Police Professional Standards Division found McGrath responsible for several violations of Departmental policies and Rules and Regulations including the use of unnecessary force. He was suspended without pay for a period of five days with a recommendation for additional discipline up to and including termination of his employment from the City of Somerville. When the police administration learned of the incident, McGrath was placed on unpaid leave. McGrath admitted to having pepper-sprayed a handcuffed man on October 1, 2019. As reported by the Middlesex District Attorney’s Office, on May 5, 2022, former Somerville Police Officer Michael McGrath admitted to sufficient facts in Cambridge District Court to the charge of assault and battery by means of a dangerous weapon. ![]() ![]() ![]() How I Tested The KitchenAid Artisan Mini 3.5-Quart Tilt-Head Stand Mixer That said, the Artisan Mini can’t accommodate the same amount of food as the other models, making this mixer ideal for newer or occasional bakers who are drawn to smaller, straightforward recipes over large, ambitious baking projects. Thanks to its bowl-lift style, the Artisan Mini is intuitive to use at 18 pounds, this space-saving model is both easy to move and store. But still, this is one mighty mixer that can tackle a wide variety of mixtures, from delicate cake batter to stiff pizza dough. The Artisan Mini is the brand’s smallest stand mixer, and because it’s petite, it doesn’t boast the same capacity nor motor power as larger models. How Does The KitchenAid Artisan Mini 3.5-Quart Stand Mixer Compare? Thanks to the Artisan Mini’s silicone-edged flex beater, which I found incredibly effective, I had to do this relatively easy but annoying task far less frequently. When using a normal beater, I typically have to stop the mixer every 10 to 20 seconds to scrape down the bowl with a spatula. The Artisan Mini also comes with a special beater: It features a flexible silicone edge on one of its sides, which helps catch ingredients on the sides of the bowl. ![]() Additionally, the tilt-head functionality makes it easy to stop and scrape down the sides of the bowl, switch out accessories and add more ingredients as needed. Even when the mixer was running on the highest speeds and kneading dense bread dough, the bowl didn’t budge. As a tilt-head style mixer, the Artisan Mini’s metal bowl locks into the base of the mixer, and I found the locking mechanism to be sturdy and secure. A Cinch To UseĬhief among the reasons the Artisan Mini is so great for newer bakers: It couldn’t be easier to use. That said, considering how compact and beautiful this model is (it comes in 10 elegant colors), the Artisan Mini could easily earn a permanent spot on your kitchen countertop. Weighing in at 18 pounds, the Artisan Mini is also lighter than its bigger siblings, making this model easier to move to and from your pantry and overhead cabinets. When I unlocked the mixing bowl and tilted the machine’s head backward, the entire mixer-yes, in that awkward position-fit easily inside my kitchen cabinets. Laura Denby The Perfect Size For Small KitchensĬomparable in size to an espresso machine, the Artisan Mini is 20% smaller than full-size KitchenAid tilt-head mixers, making this model ideal for those who aren’t willing or able to dedicate so much counter or cabinet space to a larger mixer. Using the paddle attachment, the machine gently folded all the ingredients together, leaving no pools of sugar or egg yolk at the bottom of the mixer.Īs you can see, the Artisan Mini's mixing bowl was pretty much at capacity with a large batch of. The traditional sponge cake, too, was a breeze for the mixer. ![]() Though I did notice a bit of bouncing when mixing the super-stiff dough, the Artisan Mini efficiently kneaded it into a smooth ball. I was similarly impressed by the Artisan Mini’s handling of pizza dough. The baked cookies were perfect, featuring evenly dispersed chocolate chips, walnuts, raisins, oats and coconut. While the mixing bowl was full to the brim when I made a large batch of loaded kitchen sink cookie dough (enough to yield 48 cookies), the paddle attachment thoroughly incorporated all the ingredients, leaving behind no dry spots or clumps of ingredients. In my testing, the Artisan Mini proved more than capable of mixing all my various recipes, resulting in baked goods that were airy and light-not overmixed or dense. Contributor KitchenAid Artisan Mini 3.5-Quart Tilt-Head Stand Mixer Features Ideal For Single Batches (And Even Smaller)ĭon’t let the Artisan Mini’s 3.5-quart capacity fool you: Despite the smaller bowl size, it’s big enough to make full batches of cookies, breads and cakes. ![]() ![]() ![]() Money Back Guarantee ensures YOU receive the item. IZOOM SOLAR FLOOD LIGHT PORTABLEĬOB Portable 1000 Lumen 10-Watt Flood Light and Power Bank, 2.1A Output for Charging Tablets. No, it wont ruin the grass, as long as you flood it with light. ![]() UPC 845181010062 is associated with product i-Zoom Solar Powered 100 LED 40 Ft String Light Cool White Indoor/Outdoor Kit, find 845181010062 barcode image. Brightness Unmatched in a Solar Motion and Light Sensor Activated Out Light. Installation is a breeze! Mount it anywhere it can get about 8 hours of daylight. Try this rechargeable Solar LED floodlight from iZOOM with (60) LEDs casting (300) lumens. ![]() Dusk-to-dawn flood lights remain off during the day to save energy, but are activated at night thanks to photocells that detect the lack of sunlight. Installing automatic outdoor lighting is one of the best things you can do to. Perfect for doorways, walkways, driveways, garages, paths, yards, gardens, decks, around sheds and any place you want to add light.Īt night, it turns on automatically with a low level light, and it turns up to super bright when it detects motion. It takes only 8 hours to fully charge, so it is ideal for those short winter days and long winter nights.īrightness that lasts a long time! In just eight hours the high quality solar panel charges the internal battery enough to light in low mode for up to 40 hours and in super bright mode for 3 hours. ![]() |
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