Please contact 80 to determine the amount necessary to pay off your loan. The payment can be lowered if additional payments have been applied over the life of the loan, or increased if payments have been made after the due date. Note: It is common for the last payment to differ from the amount of the previous monthly payments. Note: If you cancel automatic payments or change the due date for your loan, you will automatically receive a new coupon book. You can either follow the prompts in the automated system or ask one of our customer service representatives for assistance. If your coupon book is lost or damaged, you can order a new one by calling 80. The last payment is excluded as it may be a different amount from your regular monthly payment and it is important that you call us at 80 to receive the proper amount due. This coupon booklet will contain the details for each payment, except for the last payment, that will be due over the course of your loan. Once you have closed and signed your loan documents, a mailing containing your coupon booklet will be sent to the address you provided. If you pay more than the amount due each month, you will reduce the amount of interest you pay over the life of the loan because you’re reducing your principal loan balance and the interest is being calculated on this lower balance. Find local Capital One Bank branch and ATM locations in Bakersfield, California with addresses, opening hours, phone numbers.Paying after the due date will lead to the principal balance staying higher than expected and thus additional interest being charged. If you pay later than the 5th of the month for any payment, the additional interest accrued will be collected first from your monthly payment, leaving less money to be applied to principal.As the primary lender for Lithia Motors and. If you pay $500 on the 5th of every month, your last payment will be $500. Welcome to Driveway Finance Corporation, an indirect auto lending finance company located in Southern Oregon.For example, if your payment of $500 was due on the 5th of every month for 48 months, there are several possible scenarios: On a loan that uses daily simple interest, the date you make your payments will impact the amount of interest paid over the life of the loan, and the amount of the final payment. It is calculated by multiplying the outstanding principal balance of your loan each day by the daily interest rate (the annual rate divided by the number of days in the year). Your interest is called “daily simple interest” and works just like its name. Financial Insights About Us Customer Service Online Banking Login Branch & ATM Locator Search.Additional Sources of Capital for Small Businesses.
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Like you said, we can say that something was “domowej roboty” (home-made) but we can also say “mój dom” and that can mean either the psychical building/apartment/hut/cave where we live, or a more general concept of belonging somewhere, be it to a family or country. Sometimes it may imply the family or country, but not always. “Dom” can be used both as a “house” and as a “home”, and I said so in my blog post. However, things are not always that clear-cut in Polish. Photo by Jan Panek from Bobrowniki WielkieĪnd thank you for your very eloquent explanation. So yes, both “house” and “home” mean “ dom” in Polish, but you must look very carefully at the meaning of your English text to be able to choose the correct Polish equivalent.Īnd that doesn’t even cover the many different political and legal terms that include “house” and “home” in their phrases! budynek (noun, masculine, non-pers., plural: budynki) = buildingĪnd sometimes, when talking about what you did at home when you were little, the translated version may use the word “ rodzina” instead of “ dom” (“family” instead of “home”).For that reason, sometimes “house” can be translated as “ budynek” (building). Because just like in English, when “house” is translated into Polish it implies a physical place where people live. But even in Polish, you can notice the distinction between “house” and “home”. rodzina (noun, feminine, plural: rodziny) = family (noun)Īnd now I finally see that this “home” business can be complicated when learning Polish, too.Īt its most inclusive “home” can be translated into Polish in many different ways, you’ve already seen “ rodzina” (family) above.rodzinny (adj., fem: rodzinna, neuter: rodzinne, plural: rodzinne) = family (as an adjective), familial.“ moje” is a neuter form of “ mój” and “ miasto” is the same as above, but what happened to “home”? It ended up translated as “ rodzinne“, which is an adjective derived from the word “ rodzina” – family. Yet if you put it all together you end up with a big ball of nonsense, because “my home town” when correctly translated is: The trouble begins when you decide to look at the context in which the words “home” or “house” are used. dom (noun, masculine, non-person, plural: domy) = house, homeīut it can’t be THAT simple, now can it? Of course not!.When you look in a dictionary, you see that both those words are translated into Polish as “ dom”. Now, I’m not a certified teacher, and I don’t even play one on TV, but let me take a stab at this home/house translation issue into Polish. I’m sorry Thomas that you had this experience. And for a teacher stating that SHE understood the difference was definitely a not good enough answer. That a teacher, a Polish teacher at that, was either unwilling or unable to provide appropriate explanations was simply inexcusable. Duh!Īctually, Thomas’ comment ruffled my fierce Polish national pride a bit. And for some very strange reason it’s never even occurred to me that English speakers learning a foreign language might have exactly the same problem. I’ve always assumed that the “house” and “home” confusion was exclusive to foreigners who learn English. Today’s topic is actually a little off topic but Thomas made a very interesting comment under the last post, and I thought it would be worth taking a closer look. When a loan is taken, it generates a positive cash flow, which is followed by negative cash flows when the loan is paid off. We’ll start with a straightforward horizontal timeline.Īdd arrows to show cash inflows (arrows pointing away from the line) or outflows (arrows pointing towards the line).Ī financial transaction always has two sides: a borrower and a lender, a buyer and a seller, and an investor and an investment. It is pretty simple to create such a diagram. The cash flow diagram allows you to graphically illustrate the timing and type of cash flows, such as inflows and outflows. The importance of a cash flow diagram can be understood by learning the two finnancial types of transactions, given below. Without wasting time, use these charts to gain practical, in-depth insights from your financial data. That’s why estimating your cash flow for the next month or quarter is an excellent way to figure out how much cash you’ll have on hand in the future.Ĭash Flow Forecast = Beginning Cash + Projected Inflows – Projected Outflows = Ending Cash When would you use a cash flow diagram?Ĭash Flow Diagrams depict the money flowing in and out of your company over a period of time. Since both FCF and OCF provide a fair picture of cash flow for a certain time period, it isn’t necessarily enough when it comes to long-term planning. Operating Cash Flow = Operating Income + Depreciation – Taxes + Change in Working Capital. Operating cash flow reveals if a firm can create enough positive cash flow to continue and increase its activities otherwise, capital growth may require outside finance. The amount of cash created by a firm’s typical business dealings is measured by operating cash flow (OCF). The free cash flow formula is one of the most frequent and essential cash flow formulae or FCF.įree Cash Flow = Net income + Depreciation/Amortization – Change in Working Capital – Capital Expenditure 2: Operating cash flow formula There are three cash flow formulas, each with its own set of advantages and capabilities for revealing information about your company. After removing any money spent on capital expenditures, FCF is the cash earned by a firm through its normal business activities (CapEx). The capacity of a corporation to produce positive cash flows or, more precisely, to optimize long-term free cash flow (FCF), determines its potential to create value for shareholders. Inflows are represented by cash, whereas outflows are represented by money being spent. The circulation of money in and out of a business is referred to as cash flow. “The total sum of cash and cash equivalents being moved in and out of a corporation is referred to as cash flow.” Expenses and expenditures are displayed at the proper moments. A horizontal line with markers at various time intervals forms the basis of the diagram. Cash flow diagrams are visual representations of revenue and spending over a period of time. Though he has remained humble, Yu is now clearly more confident in his own ability than he was in his younger days. A shy boy, he didn’t think he would ever be able to perform in front of live audiences despite learning how to play the guitar and practicing singing at home. Pursuing a career in the entertainment industry wasn’t something he ever envisioned as a child. In his third year, he signed with a talent agency after being discovered at a campus fashion show. Yu majored in restaurant management at Shih Hsin University, a highly reputed private educational institution in Taipei. I needed to, as all my lessons at university were in Chinese.” Also, as I was serious about my studies, I improved quickly. It wasn’t a big issue, though, because people went out of their way to support me. It meant that I spent much of the first few weeks eating onigiri at convenience stores. I don’t eat vegetables, so I wanted to check if there was pak choi in the soup and things like that, but I didn’t have the vocabulary to ask the waiters properly. “The most difficult thing was probably finding the right things to eat. “I could hold a basic conversation before going, but it was hard at first,” recalls Yu. Prior to living in Taiwan, he says he had a pretty good understanding of the language in terms of listening and reading but wasn’t able to speak as much as he would have liked. He began studying Chinese at a young age and, during his junior high school days, spent a year and a half in Shanghai. He already knew the place reasonably well having visited there during summer and winter vacations as a child to spend time with his grandmother. Yu moved to Taiwan, the birthplace of his mother, around a decade ago. It’s the way things are done in Taiwan.” Finding His Footing In Japan, when you communicate with someone in a more senior position, there is often a distance between you. I could also speak freely to the director (Ray Jiang) and the producers. I learned a lot from being able to sit down and discuss things with the other actors. In terms of preparation, I felt the most important thing was connecting with and understanding the other characters in the program. “At the time, my Chinese wasn’t perfect, but everyone was patient. “There was always someone to help me if there was something I couldn’t do,” says Yu. Fortunately, the cast and crew did everything they could to make him feel at home. Entering into a completely alien environment, he didn’t know what to expect and wasn’t sure whether he would truly belong. After all, his only previous acting experience came in the classroom. He then had just a short time before filming began. The casting director, though, was clearly impressed, as Yu landed the part. He didn’t have time to get nervous and felt it didn’t go well. Heading into the audition, Yu says he wasn’t really sure what was happening as it was all so frantic. When I started at the talent agency in Taiwan, I wanted to focus on music more than anything else, but having taken acting lessons, I thought I would give it a go.” A producer from We Best Love heard ‘Blue Lover’ and wanted to use it as one of the soundtracks for the drama. I actually landed that role because of my music. That said, I didn’t expect it to reach the numbers it did, particularly across the continent. “I think people were moved by the story and felt it was unique compared to other productions with a similar theme. “I was very surprised by how big it became,” Yu tells Tokyo Weekender. 2nd) proved hugely popular throughout Asia. The story of their star-crossed relationship set across two seasons ( No. In his first ever acting role, he co-starred as Zhou Shu Yi, the ambitious son of a prosperous Japanese businessman who falls for his classmate Gao Shide, a fellow student who always seems to do slightly better than him at everything. However, it’s the Taiwan boys’ love drama series We Best Love for which Yu is currently most well known. His biggest hit to date is “Blue Lover” from his debut EP, which has, at the time of writing, garnered more than 5.4 million views on YouTube. The 28-year-old native of Aichi Prefecture only burst onto the scene in 2021 yet has already garnered a huge following in Taiwan in addition to a significantly growing fan base around the globe. With his recent role in the medical drama Inori no Karute: Kenshui no Nazotoki Shinsatsu Kiroku and the release of his new single “Footprints,” the man who goes by his stage name of Yu (stylized as YU) is hoping to make as big an impression in the entertainment industry here as he did across the water. Having made quite a name for himself with both his acting and singing skills in Taiwan, Yang Yu Teng is now back in Japan, the country where he was brought up. When I say this recipe couldn't be easier, I really mean it. It's totally optional, but it will make for a more decadent casserole. One more thing, if you want to make your corn casserole richer, consider swapping the sour cream for cream cheese. That being said, if there's a different brand you prefer - or if you can't find Jiffy mix at the grocery store - then you can go with whatever you want. You could also use shredded cheddar cheese, Mexican cheese, or even pepper jack cheese for a little spice instead.Īs for the corn muffin mix, I recommend Jiffy mix because it's by far the best one. Okay, so as good as this recipe is, there is definitely some wiggle room when it comes to the ingredient list.Īs far as convenience goes, you can use fresh or frozen whole corn kernels, but just remember to thaw them first if you decide to use frozen ones.Īlso, when it comes to cheese, you don't have to use mozzarella cheese - I just think it tastes best. Ingredient Substitutions And Modifications Oh, and the best part is that if you have the ingredients above, you can use the majority of them to make this corn souffle and sweet corn cake recipe next! If you have a box of corn muffin mix, then I've got a feeling there's a good chance you'll have almost everything else you need to make it too!Īnyway, here's exactly what you'll need to make this corn casserole: So, the ingredient list to make this creamed corn casserole recipe is short and sweet. A few of my favorites to make with it are this southern meatloaf, this no bean chili, and these breaded chicken cutlets. Honestly, 5 minutes is all it takes to prep! Then, the oven does the rest of the work/cooking.Īlso, since the cooking is all hands-off you'll have plenty of time to make a main dish to go with the casserole. Plus, as I mentioned earlier, prepping this copy cat Paula Deen corn casserole recipe is a breeze as well. And those 2 ingredients not only add the perfect amount of sweetness to the casserole, but they also to add a rich and fluffy texture that makes the dish so satisfying - and less heavy - to eat. What sets this corn casserole recipe apart from others is that it uses a combination of corn muffin mix and creamed corn as the main ingredients. Seriously, it might be even better than Paula's! And, I know I'm biased, but I think this version of it is incredible. So, since that's the case, you know I had to put a spin on her iconic cream style corn casserole recipe. Paula Deen makes some incredible recipes, but I think her corn casserole is by far one of her best. Paula Deen Corn Casserole | Easy To Make and Prepped In 5 Minutes.Step 2: Make The Corn Casserole Filling.How To Make Paula Deen's Corn Casserole.Ingredient Substitutions And Modifications. And some software might receive 2-6 warnings but it's if they are not all same virus/trojan then it's 99% false positives. Our hosted software are virus and malware scanned with several antivirus programs using ( NOTE! Just one virustotal warning is 99.9% a false positive. Version history available = Complete changelog on our site. Old versions available = Download old versions of the program. Portable version available = Download the portable version and you can just extract the files and run the program without installation. It may not contain the latest versions.ĭownload old versions = Free downloads of previous versions of the program.ĭownload 64-bit version = If you have a 64bit operating system you can download this version.ĭownload portable version = Portable/Standalone version meaning that no installation is required, just extract the files to a folder and run directly. Visit developers site = A link to the software developer site.ĭownload (mirror link) = A mirror link to the software download. Be careful when you install the software and disable addons that you don't want! Ad-Supported = The software is bundled with advertising. 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Explanation: NEW SOFTWARE= New tool since your last visit NEW VERSION= New version since your last visit NEW REVIEW= New review since your last visit NEW VERSION= New version Latest version Floating Shelving for Over the Toilet Storage Add baskets or jars to hold commonly used toiletries or add some decorations. Rather than simple rungs, it has a narrow shelf where each rung would be. This take on ladder storage provides the same great height that you are used to, but it also adds a bit more depth. Try painting the shelves to match your décor. Not only will they liven up the bathroom, but they will also provide additional storage. Jump onboard by adding some over your toilet to fill up the space that is too often left empty. Using pipes for shelf supports is on-trend. Add some baskets to the shelves and label them for each family member or by the types of items that are being stored inside. This space often goes untouched, but it can provide valuable storage. Makeover your bathroom by adding some gorgeous shelves above the space over your toilet. Keep reading for more information on all of our over the toilet storage ideas! 1. ?” again! From modern minimalist to farmhouse chic, this list has ideas that fit every decorating style and bathroom size. You’ll never hear the dreaded “Mom, where’s my. Want to keep each family member’s stuff separate? Try one of the many solutions featuring individual baskets and bins. If you are looking for a more no fuss, no muss solution, our list of over the toilet storage ideas also includes lots of simple shelves perfect for housing decor items and necessities alike. For the creative type, this list contains fun repurposing projects to turn random antiques into smart storage hacks. 45+ Stunning Over The Toilet Storage Ideas to Save You SpaceĮven the tiniest apartment bathroom can suddenly be smartly organized with these genius storage solutions. That’s why we have compiled 32 crazy smart over the toilet storage ideas to make the most of your space. With toiletries, towels, bathroom tissue, and more to store, the often tiny under the sink cabinet just can’t hold it all! Not to mention trying to decorate to give your bathroom a more homey feel. Bathrooms never seem to have enough storage space, especially if you live in a smaller house or apartment. Through this bio, coaches can access a player’s information, such as USTA tournament results, test scores, GPA, intended major, etc. We recommend linking to a player’s FREE bio on the Tennis Recruiting Network. In an initial email, a player should introduce himself or herself, indicate his/her graduation year and provide a link to his/her biography. What do I say in an email to a prospective coach? Visit the NCAA Recruiting guides and calendars for more details: After this date, there is no limit on the number of phone calls that can be made. Keep in mind, however, that an NCAA Division I coach is unable to provide any recruiting materials, make phone calls or send any form of electronic correspondence (emails, text messages, etc.) until Sept. If you initiate this contact, phone calls may be made at your convenience. NCAA Division I coaches are able to email a prospective student-athlete back following the start of his or her junior year of high school.Ĭoaches may also be contacted by phone. How do I contact the coach at the school I am interested in?Įmail is generally the best way to contact a college coach, although we recommend the student, not the parent, initiate the email. Players should try to map out a schedule to play 50-70 matches, if possible. In terms of how many matches should a junior play during the year, it depends on a variety of factors such as resources and determining how much is too much without burning out. Watching a player play a competitive match can help a coach gauge a player’s talent level, competitiveness, attitude, desire, love of the game and ability to improve much better than looking at a ranking or even looking at results. If a coach can’t watch a player, often he or she will request a quick video of some match play. They also notice if a player withdraws from tournaments, especially from the backdraws.Ī majority of coaches prefer to see someone play more than anything and will make an effort to do so for all the players they are considering seriously. Other tools coaches utilize include: World Tennis Number (WTN) and International Tennis Federation (ITF) rankings.Ĭoaches are much more interested in players’ results much more so than the number next to their name – regardless of who publishes that number. What is more important to a coach, star ratings or a USTA standings list? And how many matches should I be playing?īoth are great tools for a coach to initially assess a player’s level. Email is the best way to contact a majority of coaches (See the "Sample Email to a College Tennis Coach" section). From there you can begin contacting the coaches of those teams.īy junior year, you ideally should have a shorter list of schools, preferable categorized by tennis and academic fit, that you are interested in and also have initiated contact with the coaches at those schools. Once you have started to narrow your criteria, you can start building the list of schools that you are interested in. ADVERTISEMENT You can find this information through the NCAA Eligibility Center. It is also important, particularly if you are attending or have attended an online or non-traditional school, that you verify that your school and coursework are approved by the NCAA to meet their initial eligibility standards. See the sample list of questions in the "Choosing a Path That Works for You" section to help you start shaping that list. The NCAA has a lot of information, links and documents for potential college student-athletes: and NCAA Guide for the College-Bound Student-AthleteĪs early as your freshman year, you should start thinking about your academic and tennis criteria – as well as other criteria for your college experience. Visit /College to discover all of the opportunities college tennis provides. I intend to remove the following companies from the Register under section 318(1)(b) of the Companies Act 1993, on the grounds that the Registrar has reasonable grounds to believe that the company is not carrying on business and there is no proper reason for the company to continue in existence.In terms of starting the process, the earlier the better! You could get the same effect anchoring a little off-shore, while getting the same signal on-shore. AND I've had situations when camping where I put a portable on a picnic table, and people camping next to me did the same thing tuned to the same frequency, and it was seamless music walking from campsite to campsite. Then, for special "events" where I want tons more wattage than my in-dash stereo will provide, I use a portable boom box in the back of the car for extra volume. I set the Sirius receiver to one of several frequencies, 88.7, for example, and it transmits on that frequency. There are some drawbacks like size and weight but this radio had this best mix of must haves that I could find.ĭoes anyone have any contenders to throw in the mix?Īs a Sirius-XM subscriber, my portable satellite receiver/transmitter in the car transmits to the stereo's receiver. I did a lengthy search for the best Marine grade portable stereo and decided on the Bosch Power Box 360 Deluxe. When its time to go back to the campground, lake house, dock, tailgate, etc the good times don't have to end. A portable radio aimed off the rear of the boat sounds crisp and clear.(disregard this one wake board tower guys, oh and stop blasting the techno crap nobody wants to hear it.,LOL)ģ. Then you practically have to max it out to hear it and even then it sounds muffled. Most boat stereos point toward the inside of the boat. I can't be the only one that has left the radio on a came back to a boat that won't turn over.Ģ. No reason to run down the boats battery while sitting in the cove, sand bar, etc. Of course, this product is no longer produced.Ī portable radio makes perfect sense for the boat. It sounded great, was rechargeable, water resitant and was loud enough for outdoor parties/gatherings/etc. It was made by Bacini Acoustica and had all the qualities I look for in a portable speaker. 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They are available in a range of formats, and print quality is not an issue. A lot of popular crosswords have themes like "It's All the Rage." For this one, you will require synonyms to the word "it." In the same way, there are puzzles with themes that include tennis terms, aviation terms, fast food, and ancient history.įree crossword puzzles are a excellent way to get rid of boredom and improve vocabulary. You can complete them with the aid of a pencil and paper or you can download the puzzles to use later. If you haven't seen an printable crossword before, then you're not taking advantage of one of the most enjoyable ways to spend your spare time. We will also discuss where you can find free crossword puzzle downloads. We will also explain the best way to print one and also where you can get free crosswords to print. In this post, we'll describe what this kind that puzzle is. They are popular for several reasons, among them the ability to provide hours of fun for your family. Here's where to find the best crossword puzzles for free online, in books, as well as some printable options for kids and beginners.Easy Crossword Puzzles Boatload - If you've never ever heard of the printable crossword puzzle, you're not alone. Except that crosswords are way more fun than salad. In 2017, research carried out by experts at the University of Exeter Medical School and Kings College London concluded that practitioners of word puzzles maintain brain function as they age, especially in the categories of attention, reasoning, and memory.Įssentially, doing crosswords is the equivalent of eating vegetables, for your mind. Successfully completing a crossword puzzle definitely boosts the ego-but there are even more tangible benefits to crosswords than self-admiration. No matter how you approach the crossword puzzle, this remains the same: There's not much in the world more satisfying than filling in that very last square. Gather 'round the Sunday puzzle with friends, helping each other with clues. Fill 'em out on an app, and make the commute whiz by. Do' em at the dining room table on a slow weekend morning, pencil in hand (or pen, if you're feeling reckless). There are endless ways to tackle a crossword puzzle. |
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