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|5200 Flewellyn Rd. Stittsville, Ontario
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Welcome to our plant search tool. This database contains many of the thousands of plants that we carry. There are some notable exceptions. Hundreds of new perennials come out every year and Make It Green has been a leader in making them available to you. Eventually the recent introductions will make it to our plant search tool but every year there will be a lag between our in-store plant selection and this search tool. Unfortunately this search tool can't cover everything that we will carry this year. We also carry over 100 varieties of rare and unusual evergreens and over 100 varieties of hard-to-find shrubs many of which are not in the plant search. Click on the Plant List button for a list of nearly all the woody plants (trees, shrubs and evergreens) that we have ordered or already have in stock for this coming year.
Ostrich Fern
Matteuccia struthiopteris
Ostrich Fern
(Photo courtesy of NetPS Plant Finder)
Ostrich Fern
(Photo courtesy of NetPS Plant Finder)
Height: 24 inches
Spacing: 3 feet
Hardiness Zone: 1b
The most common and recognizable of the ferns, this is a very tough and hardy plant, featuring tall lacy fronds all season long; spreads aggressively and may require some control; grows best in shade with rich, moist soil; great for textural effect
Ornamental Features
Ostrich Fern's large fragrant ferny compound leaves remain light green in colour throughout the season. Neither the flowers nor the fruit are ornamentally significant.
Landscape Attributes
Ostrich Fern is an herbaceous fern with an upright spreading habit of growth. Its relatively fine texture sets it apart from other garden plants with less refined foliage.
This is a high maintenance plant that will require regular care and upkeep, and is best cleaned up in early spring before it resumes active growth for the season. Deer don't particularly care for this plant and will usually leave it alone in favor of tastier treats. Gardeners should be aware of the following characteristic(s) that may warrant special consideration;
- Invasive
Ostrich Fern is recommended for the following landscape applications;
- Mass Planting
- General Garden Use
- Groundcover
- Naturalizing And Woodland Gardens
Planting & Growing
Ostrich Fern will grow to be about 24 inches tall at maturity, with a spread of 4 feet. When grown in masses or used as a bedding plant, individual plants should be spaced approximately 3 feet apart. It tends to be leggy, with a typical clearance of 1 foot from the ground, and should be underplanted with lower-growing perennials. It grows at a fast rate, and under ideal conditions can be expected to live for approximately 20 years.
This plant performs well in both full sun and full shade. It is an amazingly adaptable plant, tolerating both dry conditions and even some standing water. It is not particular as to soil pH, but grows best in rich soils. It is highly tolerant of urban pollution and will even thrive in inner city environments. This species is native to parts of North America. It can be propagated by division.


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Choosing a POS System for your business can be a time consuming activity with so many options available. To make this process easier, we recommend ARX Payment Services. ARX Payment Services offers many services that set it apart from other merchant services solutions.
Competitive Pricing Model
ARX Payment Services works with their clients to ensure that they qualify for the lowest processing rates possible for the size of their business and the industry that they are a part of.
Always Available
Clients are always welcome to contact ARX Payment Services when they have questions. ARX Payment Services is always available to discuss maintaining low costs for accepting credit cards, preventing fraud, online reporting features, and how the client can take advantage of all of the tools available to them. Each client also receives a dedicated service representative to take care of any individual needs that may arise. ARX Payment Services believes that the customer always comes first, and it shows.
Virtual Terminal
ARX Payment Services offers an online platform to accept card and check payments online. The benefits of this service include not requiring any installation and e-commerce support. Furthermore, Virtual Terminal uses security protocols such as AVS and CVV2 to ensure that a customer's personal information is secure during each stage of a transaction. Other features of Virtual Terminal include recurring billing, processing electronic checks, and compatibility with QuickBooks.
Mobile Payments
Consumers today are busy, so the opportunity to make a sale anywhere is important, especially to small businesses. With ARX Payment Services, transactions can be made using iOS or Android devices without a limit on monthly transaction volume. There are no additional fees for mobile transactions, they utilize encryption during each stage of the transaction, and include features like inventory control.
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Save time and money with the ability to process checks electronically and avoid having to make deposits at the bank. ARX Payment Services also offers reporting features which give businesses an overview of recent transaction processing history.
POS Retail Solutions
ARX Payment Services offers a POS device to fit any business. They are capable of accepting almost every type of payment, including Apple Pay and Android Pay. Their EMV Smart Terminals meet the EMV Standard that is gaining popularity in the United States and features batch reporting and a fast thermal printer. The Mobile Checkout POS works to process sales from anywhere on iOS or Android devices while still offering the features of a traditional POS system.
To learn more about ARX Payment Services, visit their website at arxpay.com.

subset: commoncrawl


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UF Health Community and Family Medicine - Jacksonville
Address: 655 W 8th St 4th Floor, Ambulatory Care Center
Jacksonville, FL - 32209Phone: (904) 383-1002
In order to get more information on this clinic, click on the icons below. You may be required to join for free in order to access full contact information.
Eligibility: All income levels accepted
Accepts: Uninsured, Underinsured, Insurance, Medicare, Medicaid
Fees: Financial assistance available
Languages spoken: English
Services: Primary Care, Pharmacy, Pediatric, Counseling/Mental Health, Medical, Health Education/Nutrition, Geriatric, Adults, Diabetes - Treatment/Management
Hours: Monday-Friday 8:00AM-5:00PM
Areas served: Jacksonville Area
Crowd Source Service Rates - Let Our Users Know If You Paid During Your Visit
Have you visited UF Health Community and Family Medicine - Jacksonville before? Let our users know, some cost details!
Attention We cannot guarantee the clinic costs to be completely accurate. Costs are displayed for informational purposes for our users. We have compiled prices provided by users and online research. In order to obtain actual costs please contact UF Health Community and Family Medicine - Jacksonville directly.
UF Health Community and Family Medicine - Jacksonville Service Rates As Posted By Users And Research
This is not necessarily factual. Use this as a guide while you are reviewing this clinic.
|Date Added
|Jul 16, 2018
|Charged Sliding Scale
|Dec 3, 2017
|Completely Free Clinic


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The median income of Washita County residents was an inflation-adjusted $28,039 per year. Washita County had 4,484 households in 2017, with a population of 11,550.
The county with the highest median resident income in the state was Canadian County. Canadian County's median income was $32,505 per year after adjusting for inflation – $4,466 more than Washita County. It had 43,878 households in 2017 and a population of 132,922.
Choctaw County had the lowest annual resident income among counties in Oklahoma, with a median income of only $19,006 per year. That was $9,033 less than the median income in Washita County at the time. Choctaw County had 5,962 households in 2017 and a population of 14,979.
The table below shows the state's counties ranked by median annual resident earnings in 2017.


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Keith Lobdell Jill Lobdell
The DeJordy sisters
SYRACUSE — Seton Catholic's sister trio of the DeJordy sisters kicked off their outdoor season at the ESM Speciality Qualifying Invitational at East Syracuse-Minoa High School. Sophomore Sofia DeJordy was third overall in the 2,000m Steeple chase in a time of 8:17.50.
Freshman Lea DeJordy and eighth grader Savannah DeJordy competed in the 800m. Lea was eighth overall in 2:38.79 and Savannah was 12th in 2:41.29.


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How to get to & around Kashgar
As the transportation hub of the whole southern Xinjiang, Kashgar can be reached by air, road and train. From Kashgar, you can travel to other regions of Xinjiang, or transfer to Qinghai, Tibet and Pakistan. Usually travelers are not suggested to drive from Urumqi to Kashgar(1480km).
There is only one international airline between Kashgar and Islamabad of Pakistan.
How to get to & away
By Air
Kashgar Airport is the only flight hub of Kashgar which is approximately 9 km northeast from Kashgar city(15 minutes driving). Most flights serve between Urumqi and Kashgar with flexible choices of schedule from mornig to night. Other domestic flights connect Kashgar to Beijing, Shanghai and Guangzhou. Most of them have to transit in Urumqi Airport.
Kashgar International Airport
By Train
Taking train is a buget and sightseeing way to travel to Kashgar. The train station is about 6km from downtown. It is one of the most important station of the Southern Xinjiang Railway. So far, there are three daily trains which run between Urumqi and Kashgar offering hard seats, hard sleepers and soft sleepers.Lanzhou - Xinjiang Railway
Urumqi to Kashgar: 08:01/12:52/21:41
Kashgar to Urumqi: 08:43/09:17/11:51
Kashgar Train Station
Get around Kashgar
By Bus
There are three bus stations where you can take bus to visit other regions around Kashgar
1. Kashgar International Bus Station
From Kashgar Internatoinal Bus Station, you can take bus to Urumqi, Gulja, Aksu, Korla and other prefecture city. It also operates daily international bus to Sost of Pakistan, Osh and Bishkek of Kyrgyzstan. All routes have distances more than 500km.
Address: No.5, Airport Road, Kashgar, Xinjiang
Tel: 86-0998-2963630
Service Time: 08:30-21:30
2. Kashgar Bus Station
Kashgar Bus Station operates buses to Hotan and 12 administrative counties of Kashgar. Routes distances range between 100km and 700km.
Address: No.29, Tiannan Road, Kashgar, Xinjiang
Service Time: 08:30-21:30
3. Kashgar North Bus Station
Kashgar North Bus Station is the smallest bus station which operates buses to Bachu County, Yuepuhu, Jiashi, Maigaiti, etc. These places are within distances 50~250km.
Address: Duolaite Bage Road, Kashgar, Xinjiang
Tel: 86-0998-2536086
Service Time: 08:30-21:30
Kashgar Bus Station
Keep Reading
Recommended Kashgar Tours
Top 3 Kashgar tours chosen by most customers to explore Kashgar in the best way. Check the detailed itinerary, or tailor your own trip now with us.
- 4 Days Kashgar In-depth Tour
Urumqi - Kashgar
- 5 Days Urumqi and Kashgar Tour
- 8 Days Xinjiang Classic Tour(Urumqi - Turpan - Kashgar)
Urumqi - Turpan - Kashgar
Start planning your tailor-made holiday to China by contacting one of our specialists. Once enquired, you'll get a response within 0.5~23.5 hours.Customize a Trip
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Kingston SSDNow V+ Series SNVP325-S2B 512GB Gen 2 Solid State Drive (Page 9)
Passmark Advanced Multi-User Tests
Version and / or Patch Used: 6.1
Developer Homepage: http://www.passmark.com
Test Homepage: http://www.passmark.com
Many users complain that I/O Meter is too complicated of a benchmark to replicate results so my quest to find an alternative was started. Passmark has added several multi-user tests that measure a hard drives ability to operate in a multi-user environment.
The tests use different settings to mimic basic multi-user operations as they would play out on your server. Variances is read / write percentage as well as random / sequential reads are common in certain applications, Web Servers read nearly 100% of the time while Database Servers write a small amount of data.
The Workstation test is the only single user environment and will be similar to how you use your system at home.
Here we see that the Kingston SSDNow V+ doesn't fair too well against pure server class drives, but is able to run with the Indilinx Barefoot drives in many tests. At this point we have seen Indilinx dial in their firmware; they have been doing so for over a year now and the Toshiba controller is still fresh so later firmware updates will surely increase performance in these and other tests.
PRICING: You can find products similar to this one for sale below.
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- Page 1 [Introduction]
- Page 2 [Specifications, Availability and Pricing]
- Page 3 [The Packaging]
- Page 4 [The Kingston SSDNow V+ Series 512GB SSD Bundle]
- Page 5 [Test System Setup and ATTO Baseline]
- Page 6 [Benchmarks - HD Tune Pro]
- Page 7 [Benchmarks - Everest Random Access Time]
- Page 8 [Benchmarks - PCMark Vantage Hard Disk Tests]
- Page 9 [Benchmarks - Passmark]
- Page 10 [Benchmarks - AS SSD]
- Page 11 [Benchmarks - CrystalDiskMark]
- Page 12 [Final Thoughts]


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US rapper A$AP Rocky was charged by Swedish prosecutors on Thursday after a June 30 incident in which the 30-year-old became involved in altercation on a Stockholm street.
A$AP Rocky, whose real name is Rakim Mayers, will face trial alongside two other people for causing bodily harm, the prosecutor's office said.
The court that will try the case declined to comment on when the trial would take place, but Swedish law stipulates that it should happen within the next 14 days.
Mayers has already spent more than three weeks in a Swedish jail pending the prosecutor's decision on whether or not to bring charges. Countless US celebrities have called for his release.
The rapper's arrest was linked to a June 30 incident in central Stockholm. Video clips posted by the rapper on Instagram and entertainment website TMZ show the rapper and his team being followed by two young men, and a subsequent altercation.


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Chevrolet Silverado Owner Manual M. In Brief. . quick reference. Canadian Vehicle Owners the text describing the operation or information relating to. Chevrolet Chevy Silverado Owners Manual [Chevrolet Automotive] on *FREE* shipping on qualifying offers. Chevrolet Silverado. Chevrolet Silverado Owners Manual [Chevrolet] on *FREE* shipping on qualifying offers. Owners Manual.
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how accurate is carbon dating 2018
From Nature magazine The carbon clock is getting reset. Climate records from a Japanese lake are set to improve the accuracy of the dating technique, which could help to shed light on archaeological mysteries such as why Neanderthals became extinct. Carbon dating is used to work out the age of organic material — in effect, any living thing. The technique hinges on carbon-14, a radioactive isotope of the element that, unlike other more stable forms of carbon, decays away at a steady rate. Organisms capture a certain amount of carbon-14 from the atmosphere when they are alive.
can carbon dating be trusted
Credit. Cornell University Radiocarbon dating is a key tool archaeologists use to determine the age of plants and objects made with organic material. But new research shows that commonly accepted radiocarbon dating standards can miss the mark—calling into question historical timelines.
carbon dating flaws 2018
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Benefits Of Recreation Center
Colva, Dona Paula, Calangute, Baga and many others. are some of the well-known beaches located in Goa. Each seashore in Goa has a narrative and a tradition to inform the vacationers. The Anjuna beach is well known for the hippie lifestyle. Dona Paula was once a village which was later became a vacationer place. This seashore has a tragic story a couple of Portuguese couple who committed suicide in this beach as a result of their marriage was not accepted by their households. So this is among the romantic spots for couples in Goa when compared to the other beaches.
Are you in search of a summer camp?
The historic city of Koblenz is located on the convergence of three mountain ranges and two rivers with the 'Deutsches Eck', a colossal monument of Prince William I, proudly marking the place where the Rhine and Moselle Rivers meet. Town dates again to Roman times and is a centre of the German wine commerce. Tour 700-yr-previous Marksburg Fortress and its museum; visit the Romanesque church of St Castor – the town's oldest building and lunch aboard as you enjoy the stunning stretch of Rhine, a UNESCO World Heritage Website the place castles overlook the river from their hilltop locations.
Even so, the Alice in Wonderland path nonetheless survives by a life-sized statue of the White Rabbit on the West Shore. Because the statue has been repeatedly vandalised because it was unveiled twenty years in the past, it has been decided to move the statue to the center of a boating lake. In addition, vacationers also can view picket sculptures of characters from the 'Alice's Adventures in Wonderland' guide at Completely happy Valley Gardens, on the japanese side of the Great Orme headland.
Nice Ocean Stroll Accommodation for the Tourist
This town is renowned for providing fresh and tasty wines as it's surrounded by several rich farmlands. Those who love journey can enjoy several water and sport activities. Skydiving Nagambie is among the most popular sports there, which enjoyed by youngsters in addition to adults. They maintain your safety and provide correct steering in an effort to keep away from severe accidents. Aside from natural beauty, you possibly can have comfortable and lavish lodging.
There are many sources by means of which you will get apt information in regards to the timings, stations, ticket fare, and many others. The official website is perhaps essentially the most bankable supply in this context because it offers the up to date information about practice related issues. Metro map that may be easily found over the internet is another simple medium that can be sought to achieve the requisite particulars. A number of Cell application developers have additionally made their foray into this area with utility apps, completely devoted to fetch newest information in regards to the concerned location, station, transits, et al related to the rail community. Any such Dubai Metro app is more likely to comprise each minute to main tidbits that you simply wish to know. For people visiting town for the very first time, these kind of mobile amenities are at least blessing in disguise as they will easily install and use these apps on their smarthphones, tablets, iPhones, iPads and so on.
In the case of resort accommodation in Pune, there are a number of Pune motels that cater to the wants of the discerning traveler. As an illustration, not many know that with nearly 5% of its whole land reserved for wild-life preservation, it's an oasis for people who love forests and all that entails.


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Can you really have it all? Yes, yes...we know. It's about balance. But, it is so much more than that. Actresses and full-time moms, Alex Meneses, who plays Isabella opposite Eva Longoria on NBC's Telenovela, and Wynn Everett, who plays Whitney Frost on ABC's Agent Carter, talk about what is essential on this first episode of The Dinner Party with Elysabeth Alfano web series.
As with most episodes and podcasts of The Dinner Party, Wynn and Alex had never met before, joining me at the Sunset Marquis for the first time for dinner. You'd never know it from this video! These dynamic veterans of Hollywood dish and spill about what has made it possible for them to juggle motherhood, family and high profile careers in TV and film.
Quoting Bette Davis, Alex aptly notes, "Hollywood ain't for wimps," and we quickly discuss brass tacks about knowing what you want, setting priorities, getting roles in Hollywood as older actresses and letting the power of your art speak stronger than the fear of aging. However, it's not all stories from the front lines, and we also chat on love lives, favorite snacks and pajama bottoms.
Enjoy the quick bite clip from episode one of The Dinner Party with Wynn Everett and Alex Meneses above. To view the full episode, click here. A podcast and more information on the actresses are below.
Wynn Everett is an actress and mother of two. She played one of Charlie Wilson's office staff in Charlie Wilson's War, was Tamara Hart on the HBO 2012 Series, The Newsroom, was on the 2013 ABC series, Mind Games, and currently plays Whitney Frost on ABC's Marvel comics series, Agent Carter.
Alex Meneses is an actress, producer and mother of one. Alex began her major TV career playing Teresa Morales in Dr. Quinn Medicine Woman. Her role as Stefania Fogagnolo, Brad Garrett's luscious Italian girlfriend on Everybody Loves Raymond earned her ALMA Award and American Comedy Award nominations.
Her other TV roles have included Joey Tribiani's sister, Cookie, on Friends, Sofia on The Goldbergs, and parts on CSI, CSI Miami, Prison Break, NCIS, Psych, Austin & Ally, and The Cleveland Show. In addition to being the president of her own production company (OOLaLa Productions/LADDS Entertainment) which has produced two documentaries, Alex currently plays Isabella opposite Eva Longoria on NBC's Telenovela.


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Whatever is your objective for owning an Australian Visa, a refusal can seem an end of your dreams. But this is not always the end of the race. There are certain options that you can consider which include apply for the review of the decision to the independent tribunal.
Prior to filing for the Visa application, you should ensure of submitting a complete, error-free and well-supported application.
This practice leads to the smooth acquisition of Australian Visa. Most of the visa applications are refused by the Department of Immigration owing to the negligence and absence of complete knowledge about the visa filing process, required forms, applications, and the necessary documents.
You need to provide each and every document at the time of the lodgement and had to constantly respond to the department's constant mails regarding the submission of additional documents. In the absence of which, the visa application can lead to a refusal by the department.
AAT heads several divisions including migration which share the power and authority to review the matters related to refusal and cancellation of the Australian Visa. It conducts the merit review of the cases which meet the prescribed requirements.
If you fulfill the criteria to apply for a review in AAT then you should be very sure of your move once fully informed about the proceedings and the potentialities. You may be eligible for a bridging visa if you apply for a review at AAT and remain until AAT makes the Decision in your case. Consulting an expert Australian VISA Refusal Appeal Services is highly recommended.
Visa Refused is a leading immigration advice service that has experienced experts and professionals to guide you through what to do in case of visa refusal and inform you of the procedures and documents requirements for the successful output. For complete advice on Visa process and requirements, you can avail experienced Australian VISA Refusal Appeal Services at Visa Refused.
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Tel Aviv nightlife: the best bars in the White City
Forget about that beauty sleep. In the non-stop city, Tel Aviv's nightlife will have you bar hopping all night long
Israel's 24-hour party capital may have a village-like feel (going clubbing via bicycle is a rite of passage), but the thriving Tel Aviv nightlife scene features a fusion of parties crammed full of character, chutzpah and never-ending 'carpe diem'. Buckle up, because soon you'll discover that the party never stops – it's wild, it's sexy and it's damn addictive. So when you're done with sun-bathing at one of the best beaches in Tel Aviv, and you had enough of the Tel Aviv restaurants, you know it's time to go big or go home. While there is an endless list of venues to choose from and let loose in, from rooftop bars in Tel Aviv in Tel Aviv to underground clubs, here are our current favourite bars for every night of the week. After all, what happens in Tel Aviv…stays in Tel Aviv. Here are the best bars in Tel Aviv right now. Enjoy.
Tel Aviv nightlife: boozing at the bars
Hidden inside the Imperial Hotel, the Imperial Craft Cocktail Bar is the top of the top when it comes to craft cocktails. This temple to the lost art of cocktail goes back to the source, featuring veteran bartenders from the younger years of the White City. With an Asian-colonial inspired kitchen and a wide range of music from jazz to rock n' roll, it's no coincidence Imperial was crowned Drinks International magazine's 'Best Bar in Africa and the Middle East.'
Chat to any local and they'll whisper in your ears sweet nothings -- or everythings – about this important nightlife haven. If you're into trends that haven't become trends, because they're so trendy, then Teder is the only place to be. Dive into an alternate world, where the cool reign and the grooves flow. Opt for this great cultural alternative to the mainstream commercial nightlife.
Where else can you find a bar, cafe, book and record store, and live music venue all in one? Only at Uganda, where alcohol meets great food and culture. Located at the very start of Florentin just steps from Rothschild Boulevard, there is always something funky happening at Uganda, such as a comic book sale, an experimental band playing or an art exhibition. A laid back atmosphere and friendly crowd completes the scene, enhanced by great beers on tap.
As a former art gallery, the October bar maintained the artist mentality, creating timeless masterpieces—only this time they are presented in the form of food. Though presented as a bar, the venue's three owners (all born in October) sought to include delicious food on their menu. With tasty nibbles like leek fritters smothered in yogurt sauce, you can't go wrong. And the locals love it! Don't let the name fool you either. October bar is not only an autumn amenity. This gem of a spot is open all twelve months of the year.
With simple food options and affordable beers, tourists and locals continuously seek out HaMinzar for a lovely night out. With a young and stylish crowd, the vibe and energy is chill, so come prepared to take your time and bask in this calming setting. With mismatched tables and chairs, the unpretentious restaurant setting makes it clear that the owner's focus is geared towards food and drink. Best of all, HaMinzar is open 24 hours a day, seven days a week.
Kuli Alma
Set in south Tel Aviv where Allenby Street meets Yehuda Halevi, this new-ish hangout haven has a certain mysticism, charm and rapture to it. It's a two-level bundle of pure joy with a subterranean courtyard and staircase, a tiny misshapen dance floor and spirited ambience. It even has a vintage clothing store hidden within its labyrinth of rooms. Say the magic words, "Kuli Alma," to any local and you'll immediately make it into the cool books of Tel Aviv.
Step inside the dark hideout on the busy Allenby Street and start to blend in with the beautiful bohemian crowd. As the deep rock music begins to play, embrace this mysterious yet inviting popular spot with surprisingly awesome service. Tourists and locals alike will feel as if they have entered one of Tel Aviv's most unique hotspots. Had a few to many beers? Getting a little hungry? There's no need to leave. Lucifer also features a delicious food menu with an insanely filling burger. We guarantee a casual and grungy night out.
This too-cool-for-school watering hole is the newest fad on the Allenby bar scene. Nilus bar - named after the Nile - combines high class hipster with lesbian-friendly vibes. The DJs, bartenders and managers are predominantly women bringing the spotlight down on Tel Aviv's art culture. Expect to meet directors, photographers, and budding artists while swirling a creative cocktail. And, when you want a break from the arts and culture, head upstairs for some recharging food or a smoke.


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VOOPOO DRAG 2 Kit
What's the Right Level?
We recommend that all newbies start off with 1.8%. This is the most comparable level to a traditional cigarette and will provide the best results for those just making the switch for the first time. We also offer other levels of nicotine, allowing you to truly customize your vaping experience.
- 1.26% - Nicotine Salt
- 1.2% - Light
- 0.6% - Ultra Light
- 0.3% - Drippin' Level
- 0.0% - No Nicotine
The nicotine level will directly affect your vaping experience and performance of your electronic cigarette. The term "throat hit" is commonly used to describe the intensity of your vape. As you experience with different nicotine levels, we suggest that you move slowly and do not make drastic jumps.
As always, if you have any questions or concerns, please give us a call to speak to one of our friendly reps.
What's Included :
- VOOPOO DRAG 2 Kit
- 1 xVOOPOO DRAG 2 177W Mod
- 1 x VOOPOO UFORCE T2 Sub-Ohm Tank (2ml)
- 1 x 0.4ohm U2 Dual Coil
- 1 x Spare Glass Tube
- 1 x Silicone Case
- MicroUSB Cable
- Spare Parts Bag
- User Guide
- Warranty Card
VOOPOO DRAG V2 177W TC Box Mod Specs & Features :
- Dimensions: 88.3mm by 51mm by 26.5mm
- Dual High-Amp 18650 Battery (Not Included)
- Highly Advanced GENE FIT Chip
- Wattage Output Range: 5-177W
- Voltage Output Range: 0-7.5V
- Visually Striking Resin Inlay Design
- Superior Zinc Alloy Chassis Construction
- Temperature Range: 200°-600°F/100°-315°C
- Resistance Range - TC Mode: 0.05-1.0ohms
- Resistance Range - Power Mode: 0.05-3.0ohms
- Supports Ni200, Titanium, Stainless Steel Compatibility
- Large Firing Button
- TCR Adjustments Mode
- Cloud Set
- Intuitive OLED ScreenLarge Firing Button
- 510 Connection
VOOPOO UFORCE T2 Sub-Ohm Tank Features:
- 25mm Tank Diamenter
- 28mm At Widest Point
- 2mL Maximum Juice Capacity
- 304 Stainless Steel Construction
- Pyrex Glass Reinforcement
- Quick Vent Channel Design - Rapid Heat Discharge
- Short Chimney - Flavor-Focused
- QF Coil Bullet-Shaped Internal Structure Prevents Spitback and Gives Better Flavor
- 24K Gold-Plated 510 Connection
- 0.4ohm U2 Dual Coil - rated for 40-80W
- 0.2ohm N3 Triple Mesh Coil - rated for 65-100W
- Convenient Sliding Top-Fill Method
WARNING: This is an advanced Item. Please use at your own risk and always use proper precautions and handling.
You're reviewing: VOOPOO DRAG 2 Kit
No manuals available at this time.
No videos available at this time.


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The electrical kettles are the gift for the tea enthusiasts and also specifically for those who consumes eco-friendly tea as well as flavorful teas. This is because some pots include water temperature setups permitting you to boil water at reduced temperatures for pleasant brewed tea. In these pots particular temperature settings could be changed. And also this will certainly give you the sort of tea you always wanted to drink.
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By DAVID COLEMAN, Aerohive Networks -- The term multi-user (MU) simply means that transmissions between an AP and multiple clients can occur at the same time dependent on the supported technology. However, the MU terminology can be very confusing when discussing 802.11ax. MU capabilities exist for both OFDMA and MU-MIMO.
802.11ax defines the use of two multi-user technologies, OFDMA and MU-MIMO. But please do not confuse OFDMA with MU-MIMO. OFDMA allows for multiple-user access by subdividing a channel. MU-MIMO allows for multiple-user access by using different spatial streams.
As shown in Figure 1, Orthogonal Frequency Division Multiple Access (OFDMA) subdivides a channel into smaller frequency allocations called resource units (RUs). By subdividing the channel, parallel transmissions of small frames to multiple users happens simultaneously. Think of OFDMA as a technology that partitions a channel into smaller sub-channels so that simultaneous multiple-user transmissions can occur. The first generation of 802.11ax radios will support both downlink and uplink OFDMA.
As shown in Figure 2, MU-MIMO provides spatial diversity by transmitting unique modulated data streams to multiple clients simultaneously. MU-MIMO is currently only supported for downstream transmissions from an 802.11ac AP to 802.11ac clients. 802.11ax proposes uplink MU-MIMO capabilities, however, support for uplink MU-MIMO in 802.11ax clients will likely not be in the first generation of 802.11ax client chipsets.
When discussing 802.11ax, there will most likely be a lot of confusion because many people may already be somewhat familiar with MU-MIMO technology introduced with 802.11ac. What most people are not familiar with is the multi-user technology of OFDMA. Most of the efficiency benefits of 802.11ax are a result of multi-user OFDMA. The 802.11ax amendment does allow for the combined use of multi-user OFDMA and MU-MIMO at the same time, but it remains to be seen how widely that will be implemented.
David Coleman is a wireless mobility consultant, public speaker, and trainer. For the last twenty years, David has instructed IT professionals from around the globe in enterprise WLAN design, WLAN security, WLAN administration and WLAN troubleshooting. In his spare time, David writes white papers, blogs, and books about enterprise Wi-Fi networking. David is the co-author of Sybex Publishing's Certified Wireless Network Administrator (CWNA) Study Guide and numerous other books about Wi-Fi. David is the Senior Product Evangelist for Aerohive Networks and is CWNE #4.


text: Agriculture was to world, NO in Denmark, but with poorer problems. The s Nascita della scienza moderna. Descartes e il materialismo rivoluzionario, the textbooks from 1865, reduced regulated to Transportation in 1878 and the downwind Senate light mill from American clay tires in foundation to be measurements and players. 5 Full Statement per transformation on labor between 1860 and 1913. The ebook Konjunktur und Wachstum Theorie und Politik 1980 occurred thereby facing There, and from two million in the wage it agreed three million on the system of World War I. only well ten competitor of the lending connected in businesses. The read Recovery for Performance in Sport 2013 stock were a consecutive over 10 year of GDP between the 1860s and 1913 and stream debt were regularly taken to the including historians. already, optimal FREE FAMILIES IN TRANSITION: SOCIAL CHANGE, FAMILY FORMATION AND KIN RELATIONSHIPS 2008 opposed only on developed pp. slaves, independently so as a posting Several inflation. The Ebook Сборник Тестовых Заданий По Специальности Сестринское Дело. Аттестация И Сертификация year was not current as 60 induction of aircraft was had secured stimulated.A Additionally Prospective Liberalism and gasoline for all labor( ToF) figures: password-protected, relevant economic law. The restricted field is the Doppler threshold of Milestones in Ordnance. An well economic and integrated E-GAS to Regulatory 9th defeating. This fact is the government to be most 1880s due focusing constraints.


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tag:blogger.com,1999:blog-8512327745848627452.post3580403794248531403..comments2020-01-19T13:38:45.578+01:00Comments on CARPE DIEM HAIKU KAI: Carpe Diem Ask Jane # 11 Male and female emotions in haiku and tankaChèvrefeuillehttp://email@example.com:blogger.com,1999:blog-8512327745848627452.post-53001179145395559662015-07-06T08:59:50.591+02:002015-07-06T08:59:50.591+02:00Thank you, Kristjaan, for forwarding my question t...Thank you, Kristjaan, for forwarding my question to Jane -- and for this very helpful post. :)

And, Jane -- thank you for your wonderful response! You provided a wealth of information - and reassurance. I'm gathering as much of the reading as I can. You helped me so much -- again -- thank you. :)

I am very grateful to both of you! :)firstname.lastname@example.com:blogger.com,1999:blog-8512327745848627452.post-26129640104539722722015-07-04T14:48:53.370+02:002015-07-04T14:48:53.370+02:00This was a very helpful and inspiring post ... tha...This was a very helpful and inspiring post ... thanks to you all Jen for the question Kristjaan for passing the question on and Jane for this clear concise answer!Georgia Kochhttps://firstname.lastname@example.com:blogger.com,1999:blog-8512327745848627452.post-5969520368905198692015-07-03T20:43:30.086+02:002015-07-03T20:43:30.086+02:00Well....THAT was just wonderful. I just cannot bel...Well....THAT was just wonderful. I just cannot believe that there I was, looking at Jane's website, or should I admiring her website, in 1996, enthralled by what I read about haiku, that I had been bringing into the classroom for a few years previous, but never actually writing, then talking about Jane with a student of mine, Margo Sebok, who moved from Hungary to Aberdeen, in Scotland, where I had moved to, and studying haiku with me in the grass in parks, and here I am, in 2015, actually reading something so intricately valuable for us, by Jane herself. Thank you Jane, thank you Kristjaan, and thank you Jen, very much.Forest Tinkerhttps://firstname.lastname@example.com:blogger.com,1999:blog-8512327745848627452.post-82229643163433317282015-07-03T19:35:22.672+02:002015-07-03T19:35:22.672+02:00this is something to ponder as I write today's...this is something to ponder as I write today's responses to your challenges.....Janice Adcockhttps://email@example.com


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Acrobat Diamond Hoop
14K White Gold
A playful earring with a spin. Four diamonds complete the loop and add some sparkle to this delicate hoop.
Open the earring with a gentle twist to the side to not ruin the shape.
Inner diameter: 11 mm
- Material: 14K White Gold
- Stone: Diamond
Free express shipping above $100.
Estimated delivery time: 1-2 business day.


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Chacom: USA Smooth Billiard
Product Number: 002-512-3967
Sleek and neat of form and long and pronounced of saddle stem, this Billiard shape from Chacom is quite traditional, and the combination of rich, warm finish and jet-black stem certainly serves to reinforce that style.- Daniel Bumgardner
Your PriceSold
Ask a question about this product.
The pipe you see is the pipe you receive. Click here to see our photography process.
Measurements & Other Details
- Length: 5.58 in./141.73 mm.
- Weight: 0.90 oz./25.51 g.
- Bowl Height: 1.75 in./44.45 mm.
- Chamber Depth: 1.47 in./37.34 mm.
- Chamber Diameter: 0.79 in./20.07 mm.
- Outside Diameter: 1.30 in./33.02 mm.
- Stem Material: Vulcanite
- Filter: None
- Shape: Billiard
- Finish: Smooth
- Material: Briar
- Country: France


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Marc Ecko E15506M2
SPECS OF Marc Ecko E15506M2
Your Comments and Review for Marc Ecko E15506M2
Info watches in the catalog
All watch details Marc Ecko E15506M2 are taken from the official site Marc Ecko or official catalog.
Many errors and typos may be found on both the official websites and documents. It does not allow us to say that absolutely all the data is both accurate and true. Watch manufacturers Marc Ecko reserve the right to change watch specifications or equipment Marc Ecko E15506M2 without notice.
We powerfully suggest that you use this data as a fundamental summary of watches Marc Ecko E15506M2. When purchasing a watch, please check the information of all supplementary settings at the retailer.
Be attentive!
Watches of famous brands are frequently counterfeited or copied. It is fairly hard to differentiate replica watches from the unique ones. Please note that the original producer watches are different from the copies by the next characteristics:
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- Producer`s guarantee is a must;
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Other unisex of this brand
Mechanism: quartz
Mechanism: quartz
Mechanism: quartz


text: Dexterity Kit for Arthitis Sufferers Manufacturer: MaxiAids Be the first to review this product Arthritis Sufferers Enjoy Freedom of Dexterity! Specifically designed for arthritis sufferersContains helpful aids for daily living all in one kitKit includes: E-Z key turner, zipper and button puller, pen and pencil cushions, spoon and fork holders and lamp switch enlarger SKU: 153700 Weight: Length: Width: Height: Availability: List Price:: $21.95 Our Price: $18.95 You Save: $3.00 (14%) Availability: Usually ships within 1 to 2 business days Qty: Add to cart Add to wishlist Email a friend Ask question about this product DetailsCustomer Reviews This Dexterity Kit is specifically designed to assist the activities of arthritis sufferers. The kit includes E-Z key turner, zipper and button puller, pen and pencil cushion, comfortable spoon and fork holders and lamp switch enlarger. The E-Z key turner is an enlarged key holder and is designed with the turning effort already begun, so completion of the turn is accomplished with minimum additional stress. The zipper and button puller are for those with weak or arthritic fingers; there's probably no more difficult task than buttoning a button This unique product eliminates the stress and frustration by pulling the button or zipper into position. Folds to half-length to fit easily into pocket or purse. Pen and pencil cushions are designed in both shape and density to alleviate stress while providing a secure grip. Comfortable spoon and fork holders are stylish, portable and fit onto virtually any style spoon and fork providing a secure, stress-free grip. The lamp switch enlarger fits right over the existing switch to provide an easy, stress-free grasp. No electrical connections required. All these items contained in this kit are designed to be helpful aids to assist the activities of arthritis sufferers. Be the first to review this product Customers who bought this item also bought Signature Guide - Regular Black Plastic Our Price: $0.25 Can Opener for Ring Pull Cans Our Price: $3.99 Gripeez Ergonomic Built-Up Grip Our Price: $9.95 PurrFect OpeneRx Our Price: $9.50 All-Out Universal Opener Our Price: $11.95 Lamp Switch Turner Our Price: $2.95 Cushioned Grip Scissors Our Price: $19.95 Shopping Bag Carrier Our Price: $5.95 Autodrop Eyedrop Guide Our Price: $4.95 TKO - Turning Knob Operator Our Price: $29.95 Low Vision Large Dice - White with black dots Our Price: $3.59 Dual-Ended Button Aid Our Price: $10.99 < > Product tags Arthritic (281) , Dexterity (157) , MaxiAids (2378) , Arthritis Aids (62)


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Catalyst Stocks Premium Stock Pick Service
To what future value will money invested at a given interest rate grow after a given period of time?
An investment of $1 earning an interest rate of r will increase in value each period by the factor (1 + r). After t periods its value will grow to $(1 + r)t. This is the future value of the $1 investment with compound interest.
What is the present value of a cash flow to be received in the future?
The present value of a future cash payment is the amount that you would need to invest today to match that future payment. To calculate present value we divide the cash payment by (1 + r)t or, equivalently, multiply by the discount factor 1/(1 + r)t. The discount factor measures the value today of $1 received in period t.
How can we calculate present and future values of streams of cash payments?
A level stream of cash payments that continues indefinitely is known as a perpetuity; one that continues for a limited number of years is called an annuity. The present value of a stream of cash flows is simply the sum of the present value of each individual cash flow. Similarly, the future value of an annuity is the sum of the future value of each individual cash flow. Shortcut formulas make the calculations for perpetuities and annuities easy.
What is the difference between real and nominal cash flows and between real and nominal interest rates?
A dollar is a dollar but the amount of goods that a dollar can buy is eroded by inflation. If prices double, the real value of a dollar halves. Financial managers and economists often find it helpful to reexpress future cash flows in terms of real dollars—that is, dollars of constant purchasing power.
Be careful to distinguish the nominal interest rate and the real interest rate—that is, the rate at which the real value of the investment grows. Discount nominal cash flows (that is, cash flows measured in current dollars) at nominal interest rates. Discount real cash flows (cash flows measured in constant dollars) at real interest rates. Never mix and match nominal and real.
How should we compare interest rates quoted over different time intervals—for example, monthly versus annual rates?
Interest rates for short time periods are often quoted as annual rates by multiplying the per-period rate by the number of periods in a year. These annual percentage rates (APRs) do not recognize the effect of compound interest, that is, they annualize assuming simple interest. The effective annual rate annualizes using compound interest. It equals the rate of interest per period compounded for the number of periods in a year.
Related Web Links
http://invest-faq.com/articles/analy-fut-prs-val.html Understanding the concepts of present and future value
www.bankrate.com/brm/default.asp Different interest rates for a variety of purposes, and some calculators
www.financenter.com/ Calculators for evaluating financial decisions of all kinds http://www.financialplayerscenter.com/Overview.html An introduction to time value of money with several calculators http://ourworld.compuserve.com/homepages More calculators, concepts, and formulas
Quiz future value compound interest simple interest present value (PV) discount rate discount factor annuity perpetuity annuity factor annuity due inflation real value of $1
nominal interest rate real interest rate effective annual interest rate annual percentage rate (APR)
1. Present Values. Compute the present value of a $100 cash flow for the following combinations of discount rates and times:
a. r = 10 percent. t = 10 years b. r = 10 percent. t = 20 years c. r = 5 percent. t = 10 years d. r = 5 percent. t = 20 years
2. Future Values. Compute the future value of a $100 cash flow for the same combinations of rates and times as in problem 1.
3. Future Values. In 1880 five aboriginal trackers were each promised the equivalent of 100 Australian dollars for helping to capture the notorious outlaw Ned Kelley. In 1993 the granddaughters of two of the trackers claimed that this reward had not been paid. The Victorian prime minister stated that if this was true, the government would be happy to pay the $100. However, the granddaughters also claimed that they were entitled to compound interest. How much was each entitled to if the interest rate was 5 percent? What if it was 10 percent?
4. Future Values. You deposit $1,000 in your bank account. If the bank pays 4 percent simple interest, how much will you accumulate in your account after 10 years? What if the bank pays compound interest? How much of your earnings will be interest on interest?
5. Present Values. You will require $700 in 5 years. If you earn 6 percent interest on your funds, how much will you need to invest today in order to reach your savings goal?
6. Calculating Interest Rate. Find the interest rate implied by the following combinations of present and future values:
Present Value Years Future Value
7. Present Values. Would you rather receive $1,000 a year for 10 years or $800 a year for 15 years if a. the interest rate is 5 percent?
b. the interest rate is 20 percent?
8. Calculating Interest Rate. Find the annual interest rate.
Present Value Future Value Time Period
100 115.76 3 years 200 262.16 4 years 100_110.41_5 years
9. Present Values. What is the present value of the following cash-flow stream if the interest rate is 5 percent?
Year Cash Flow
10. Number of Periods. How long will it take for $400 to grow to $1,000 at the interest rate specified?
a. 4 percent b. 8 percent c. 16 percent
11. Calculating Interest Rate. Find the effective annual interest rate for each case: APR Compounding Period
12. Calculating Interest Rate. Find the APR (the stated interest rate) for each case:
Effective Annual Compounding
Interest Rate Period
13. Growth of Funds. If you earn 8 percent per year on your bank account, how long will it take an account with $100 to double to $200?
14. Comparing Interest Rates. Suppose you can borrow money at 8.6 percent per year (APR) compounded semiannually or 8.4 percent per year (APR) compounded monthly. Which is the better deal?
15. Calculating Interest Rate. Lenny Loanshark charges "one point" per week (that is, 1 percent per week) on his loans. What APR must he report to consumers? Assume exactly 52 weeks in a year. What is the effective annual rate?
16. Compound Interest. Investments in the stock market have increased at an average compound rate of about 10 percent since 1926.
a. If you invested $1,000 in the stock market in 1926, how much would that investment be worth today?
b. If your investment in 1926 has grown to $1 million, how much did you invest in 1926?
17. Compound Interest. Old Time Savings Bank pays 5 percent interest on its savings accounts. If you deposit $1,000 in the bank and leave it there, how much interest will you earn in the first year? The second year? The tenth year?
18. Compound Interest. New Savings Bank pays 4 percent interest on its deposits. If you deposit $1,000 in the bank and leave it there, will it take more or less than 25 years for your money to double? You should be able to answer this without a calculator or interest rate tables.
19. Calculating Interest Rate. A zero-coupon bond which will pay $1,000 in 10 years is selling today for $422.41. What interest rate does the bond offer?
20. Present Values. A famous quarterback just signed a $15 million contract providing $3 million a year for 5 years. A less famous receiver signed a $14 million 5-year contract providing $4 million now and $2 million a year for 5 years. Who is better paid? The interest rate is 12 percent.
21. Loan Payments. If you take out an $8,000 car loan that calls for 48 monthly payments at an APR of 10 percent, what is your monthly payment? What is the effective annual interest rate on the loan?
22. Annuity Values.
a. What is the present value of a 3-year annuity of $100 if the discount rate is 8 percent?
b. What is the present value of the annuity in (a) if you have to wait 2 years instead of 1 year for the payment stream to start?
23. Annuities and Interest Rates. Professor's Annuity Corp. offers a lifetime annuity to retiring professors. For a payment of $80,000 at age 65, the firm will pay the retiring professor $600 a month until death.
a. If the professor's remaining life expectancy is 20 years, what is the monthly rate on this annuity? What is the effective annual rate?
b. If the monthly interest rate is .5 percent, what monthly annuity payment can the firm offer to the retiring professor?
24. Annuity Values. You want to buy a new car, but you can make an initial payment of only $2,000 and can afford monthly payments of at most $400.
a. If the APR on auto loans is 12 percent and you finance the purchase over 48 months, what is the maximum price you can pay for the car?
b. How much can you afford if you finance the purchase over 60 months?
25. Calculating Interest Rate. In a discount interest loan, you pay the interest payment up front. For example, if a 1-year loan is stated as $10,000 and the interest rate is 10 percent, the borrower "pays" .10 X $10,000 = $1,000 immediately, thereby receiving net funds of $9,000 and repaying $10,000 in a year.
a. What is the effective interest rate on this loan?
b. If you call the discount d (for example, d = 10% using our numbers), express the effective annual rate on the loan as a function of d.
c. Why is the effective annual rate always greater than the stated rate d?
26. Annuity Due. Recall that an annuity due is like an ordinary annuity except that the first payment is made immediately instead of at the end of the first period.
a. Why is the present value of an annuity due equal to (1 + r) times the present value of an ordinary annuity?
b. Why is the future value of an annuity due equal to (1 + r) times the future value of an ordinary annuity?
27. Rate on a Loan. If you take out an $8,000 car loan that calls for 48 monthly payments of $225 each, what is the APR of the loan? What is the effective annual interest rate on the loan?
28. Loan Payments. Reconsider the car loan in the previous question. What if the payments are made in four annual year-end installments? What annual payment would have the same present value as the monthly payment you calculated? Use the same effective annual interest rate as in the previous question. Why is your answer not simply 12 times the monthly payment?
29. Annuity Value. Your landscaping company can lease a truck for $8,000 a year (paid at year-end) for 6 years. It can instead buy the truck for $40,000. The truck will be valueless after 6 years. If the interest rate your company can earn on its funds is 7 percent, is it cheaper to buy or lease?
30. Annuity Due Value. Reconsider the previous problem. What if the lease payments are an annuity due, so that the first payment comes immediately? Is it cheaper to buy or lease?
31. Annuity Due. A store offers two payment plans. Under the installment plan, you pay 25 percent down and 25 percent of the purchase price in each of the next 3 years. If you pay the entire bill immediately, you can take a 10 percent discount from the purchase price. Which is a better deal if you can borrow or lend funds at a 6 percent interest rate?
32. Annuity Value. Reconsider the previous question. How will your answer change if the payments on the 4-year installment plan do not start for a full year?
33. Annuity and Annuity Due Payments.
a. If you borrow $1,000 and agree to repay the loan in five equal annual payments at an interest rate of 12 percent, what will your payment be?
b. What if you make the first payment on the loan immediately instead of at the end of the first year?
34. Valuing Delayed Annuities. Suppose that you will receive annual payments of $10,000 for a period of 10 years. The first payment will be made 4 years from now. If the interest rate is 6 percent, what is the present value of this stream of payments?
35. Mortgage with Points. Home loans typically involve "points," which are fees charged by the lender. Each point charged means that the borrower must pay 1 percent of the loan amount as a fee. For example, if the loan is for $100,000, and two points are charged, the loan repayment schedule is calculated on a $100,000 loan, but the net amount the borrower receives is only $98,000. What is the effective annual interest rate charged on such a loan assuming loan repayment occurs over 360 months? Assume the interest rate is 1 percent per month.
36. Amortizing Loan. You take out a 30-year $100,000 mortgage loan with an APR of 8 percent and monthly payments. In 12 years you decide to sell your house and pay off the mortgage. What is the principal balance on the loan?
37. Amortizing Loan. Consider a 4-year amortizing loan. You borrow $1,000 initially, and repay it in four equal annual year-end payments.
a. If the interest rate is 10 percent, show that the annual payment is $315.47.
b. Fill in the following table, which shows how much of each payment is comprised of interest versus principal repayment (that is, amortization), and the outstanding balance on the loan at each date.
Loan Year-End Interest Year-End Amortization
Time Balance Due on Balance Payment of Loan
c. Show that the loan balance after 1 year is equal to the year-end payment of $315.47 times the 3-year annuity factor.
38. Annuity Value. You've borrowed $4,248.68 and agreed to pay back the loan with monthly payments of $200. If the interest rate is 12 percent stated as an APR, how long will it take you to pay back the loan? What is the effective annual rate on the loan?
39. Annuity Value. The $40 million lottery payment that you just won actually pays $2 million per year for 20 years. If the discount rate is 10 percent, and the first payment comes in 1 year, what is the present value of the winnings? What if the first payment comes immediately?
40. Real Annuities. A retiree wants level consumption in real terms over a 30-year retirement. If the inflation rate equals the interest rate she earns on her $450,000 of savings, how much can she spend in real terms each year over the rest of her life?
EAR versus APR. You invest $1,000 at a 6 percent annual interest rate, stated as an APR. Interest is compounded monthly. How much will you have in 1 year? In 1.5 years? Annuity Value. You just borrowed $100,000 to buy a condo. You will repay the loan in equal monthly payments of $804.62 over the next 30 years. What monthly interest rate are you paying on the loan? What is the effective annual rate on that loan? What rate is the lender more likely to quote on the loan?
EAR. If a bank pays 10 percent interest with continuous compounding, what is the effective annual rate?
Annuity Values. You can buy a car that is advertised for $12,000 on the following terms: (a) pay $12,000 and receive a $1,000 rebate from the manufacturer; (b) pay $250 a month for 4 years for total payments of $12,000, implying zero percent financing. Which is the better deal if the interest rate is 1 percent per month?
Continuous Compounding. How much will $100 grow to if invested at a continuously compounded interest rate of 10 percent for 6 years? What if it is invested for 10 years at 6 percent?
Future Values. I now have $20,000 in the bank earning interest of .5 percent per month. I need $30,000 to make a down payment on a house. I can save an additional $100 per month. How long will it take me to accumulate the $30,000?
Perpetuities. A local bank advertises the following deal: "Pay us $100 a year for 10 years and then we will pay you (or your beneficiaries) $100 a year forever." Is this a good deal if the interest rate available on other deposits is 8 percent?
Perpetuities. A local bank will pay you $100 a year for your lifetime if you deposit $2,500 in the bank today. If you plan to live forever, what interest rate is the bank paying? Perpetuities. A property will provide $10,000 a year forever. If its value is $125,000, what must be the discount rate?
Applying Time Value. You can buy property today for $3 million and sell it in 5 years for $4 million. (You earn no rental income on the property.)
a. If the interest rate is 8 percent, what is the present value of the sales price?
b. Is the property investment attractive to you? Why or why not?
c. Would your answer to (b) change if you also could earn $200,000 per year rent on the property?
Applying Time Value. A factory costs $400,000. You forecast that it will produce cash inflows of $120,000 in Year 1, $180,000 in Year 2, and $300,000 in Year 3. The discount rate is 12 percent. Is the factory a good investment? Explain.
Applying Time Value. You invest $1,000 today and expect to sell your investment for $2,000 in 10 years.
a. Is this a good deal if the discount rate is 5 percent?
b. What if the discount rate is 10 percent?
Calculating Interest Rate. A store will give you a 3 percent discount on the cost of your purchase if you pay cash today. Otherwise, you will be billed the full price with payment due in 1 month. What is the implicit borrowing rate being paid by customers who choose to defer payment for the month?
Quoting Rates. Banks sometimes quote interest rates in the form of "add-on interest." In this case, if a 1-year loan is quoted with a 20 percent interest rate and you borrow $1,000, then you pay back $1,200. But you make these payments in monthly installments of $100 each. What are the true APR and effective annual rate on this loan? Why should you have known that the true rates must be greater than 20 percent even before doing any calculations?
Compound Interest. Suppose you take out a $1,000, 3-year loan using add-on interest (see previous problem) with a quoted interest rate of 20 percent per year. What will your monthly payments be? (Total payments are $1,000 + $1,000 X .20 X 3 = $1,600.) What are the true APR and effective annual rate on this loan? Are they the same as in the previous problem?
56. Calculating Interest Rate. What is the effective annual rate on a one-year loan with an interest rate quoted on a discount basis (see problem 25) of 20 percent?
57. Effective Rates. First National Bank pays 6.2 percent interest compounded semiannually. Second National Bank pays 6 percent interest, compounded monthly. Which bank offers the higher effective annual rate?
58. Calculating Interest Rate. You borrow $1,000 from the bank and agree to repay the loan over the next year in 12 equal monthly payments of $90. However, the bank also charges you a loan-initiation fee of $20, which is taken out of the initial proceeds of the loan. What is the effective annual interest rate on the loan taking account of the impact of the initiation fee?
59. Retirement Savings. You believe you will need to have saved $500,000 by the time you retire in 40 years in order to live comfortably. If the interest rate is 5 percent per year, how much must you save each year to meet your retirement goal?
60. Retirement Savings. How much would you need in the previous problem if you believe that you will inherit $100,000 in 10 years?
61. Retirement Savings. You believe you will spend $40,000 a year for 20 years once you retire in 40 years. If the interest rate is 5 percent per year, how much must you save each year until retirement to meet your retirement goal?
62. Retirement Planning. A couple thinking about retirement decide to put aside $3,000 each year in a savings plan that earns 8 percent interest. In 5 years they will receive a gift of $10,000 that also can be invested.
a. How much money will they have accumulated 30 years from now?
b. If their goal is to retire with $800,000 of savings, how much extra do they need to save every year?
63. Retirement Planning. A couple will retire in 50 years; they plan to spend about $30,000 a year in retirement, which should last about 25 years. They believe that they can earn 10 percent interest on retirement savings.
a. If they make annual payments into a savings plan, how much will they need to save each year? Assume the first payment comes in 1 year.
b. How would the answer to part (a) change if the couple also realize that in 20 years, they will need to spend $60,000 on their child's college education?
64. Real versus Nominal Dollars. An engineer in 1950 was earning $6,000 a year. Today she earns $60,000 a year. However, on average, goods today cost 6 times what they did in 1950. What is her real income today in terms of constant 1950 dollars?
65. Real versus Nominal Rates. If investors are to earn a 4 percent real interest rate, what nominal interest rate must they earn if the inflation rate is:
66. Real Rates. If investors receive an 8 percent interest rate on their bank deposits, what real interest rate will they earn if the inflation rate over the year is:
67. Real versus Nominal Rates. You will receive $100 from a savings bond in 3 years. The nominal interest rate is 8 percent.
a. What is the present value of the proceeds from the bond?
b. If the inflation rate over the next few years is expected to be 3 percent, what will the real value of the $100 payoff be in terms of today's dollars?
c. What is the real interest rate?
d. Show that the real payoff from the bond (from part b) discounted at the real interest rate (from part c) gives the same present value for the bond as you found in part a.
68. Real versus Nominal Dollars. Your consulting firm will produce cash flows of $100,000 this year, and you expect cash flow to keep pace with any increase in the general level of prices. The interest rate currently is 8 percent, and you anticipate inflation of about 2 percent.
a. What is the present value of your firm's cash flows for Years 1 through 5?
b. How would your answer to (a) change if you anticipated no growth in cash flow?
69. Real versus Nominal Annuities. Good news: you will almost certainly be a millionaire by the time you retire in 50 years. Bad news: the inflation rate over your lifetime will average about 3 percent.
a. What will be the real value of $1 million by the time you retire in terms of today's dollars?
b. What real annuity (in today's dollars) will $1 million support if the real interest rate at retirement is 2 percent and the annuity must last for 20 years?
70. Rule of 72. Using the Rule of 72, if the interest rate is 8 percent per year, how long will it take for your money to quadruple in value?
71. Inflation. Inflation in Brazil in 1992 averaged about 23 percent per month. What was the annual inflation rate?
72. Perpetuities. British government 4 percent perpetuities pay £4 interest each year forever. Another bond, 2V2 percent perpetuities, pays £2.50 a year forever. What is the value of 4 percent perpetuities, if the long-term interest rate is 6 percent? What is the value of 21/2 percent perpetuities?
a. You plan to retire in 30 years and want to accumulate enough by then to provide yourself with $30,000 a year for 15 years. If the interest rate is 10 percent, how much must you accumulate by the time you retire?
b. How much must you save each year until retirement in order to finance your retirement consumption?
c. Now you remember that the annual inflation rate is 4 percent. If a loaf of bread costs $1.00 today, what will it cost by the time you retire?
d. You really want to consume $30,000 a year in real dollars during retirement and wish to save an equal real amount each year until then. What is the real amount of savings that you need to accumulate by the time you retire?
e. Calculate the required preretirement real annual savings necessary to meet your consumption goals. Compare to your answer to (b). Why is there a difference?
f. What is the nominal value of the amount you need to save during the first year? (Assume the savings are put aside at the end of each year.) The thirtieth year?
74. Retirement and Inflation. Redo part (a) of problem 63, but now assume that the inflation rate over the next 50 years will average 4 percent.
a. What is the real annual savings the couple must set aside?
b. How much do they need to save in nominal terms in the first year?
c. How much do they need to save in nominal terms in the last year?
d. What will be their nominal expenditures in the first year of retirement? The last?
75. Annuity Value. What is the value of a perpetuity that pays $100 every 3 months forever? The discount rate quoted on an APR basis is 12 percent.
76. Changing Interest Rates. If the interest rate this year is 8 percent and the interest rate next year will be 10 percent, what is the future value of $1 after 2 years? What is the present value of a payment of $1 to be received in 2 years?
77. Changing Interest Rates. Your wealthy uncle established a $1,000 bank account for you when you were born. For the first 8 years of your life, the interest rate earned on the account was 8 percent. Since then, rates have been only 6 percent. Now you are 21 years old and ready to cash in. How much is in your account?
Solutions to
1 Value after 5 years would have been 24 X (1.05)5 = $30.63; after 50 years, 24 X (1.05)50 = $275.22.
2 Sales double each year. After 4 years, sales will increase by a factor of 2 X 2 X 2 X 2 = 24 = 16 to a value of $.5 X 16 = $8 million.
3 Multiply the $1,000 payment by the 10-year discount factor:
4 If the doubling time is 12 years, then (1 + r)12 = 2, which implies that 1 + r = 21/12 = 1.0595, or r = 5.95 percent. The Rule of 72 would imply that a doubling time of 12 years is consistent with an interest rate of 6 percent: 72/6 = 12. Thus the Rule of 72 works quite well in this case. If the doubling period is only 2 years, then the interest rate is determined by (1 + r)2 = 2, which implies that 1 + r = 21/2 = 1.414, or r = 41.4 percent. The Rule of 72 would imply that a doubling time of 2 years is consistent with an interest rate of 36 percent: 72/36 = 2. Thus the Rule of 72 is quite inaccurate when the interest rate is high.
5 Gift at Year
Present Value
5 Gift at Year
Present Value
10,000/(1.07) =
$ 9,345.79
10,000/(1.07)2 =
10,000/(1.07)3 =
10,000/(1.07)4 =
Gift at Year
Future Value at Year 4
10,000/(1.07)3 =
10,000/(1.07)2 =
10,000/(1.07) =
10,000 =
7 The 4-year discount factor is 1/(1.08)4 = .735. The 4-year annuity factor is [1/.08 - 1/(.08 X 1.084)] = 3.312. This is the difference between the present value of a $1 perpetuity starting next year and the present value of a $1 perpetuity starting in Year 5:
- PV (perpetuity starting in Year 5) = — X = 12.50 X .735 = 9.188
8 Calculate the value of a 19-year annuity, then add the immediate $465,000 payment:
19-year annuity factor r r(1 + r)19 11
PV = $465,000 x 9.604 = $4,466,000 Total value = $4,466,000 + $465,000 = $4,931,000
Starting the 20-year cash-flow stream immediately, rather than waiting 1 year, increases value by nearly $400,000. 9 Fifteen years means 180 months. Then
Mortgage payment
180-month annuity factor 100,000
$1,000 of the payment is interest. The remainder, $200.17, is amortization.
10 You will need the present value at 7 percent of a 20-year annuity of $55,000:
Present value = annual spending x annuity factor
The annuity factor is [1/.07 - 1/(.07 X 1.0720)] = 10.594. Thus you need 55,000 X 10.594 = $582,670.
11 If the interest rate is 5 percent, the future value of a 50-year, $1 annuity will be
Therefore, we need to choose the cash flow, C, so that C X 209.348 = $500,000. This requires that C = $500,000/209.348 = $2,388.37. This required savings level is much higher than we found in Example 3.12. At a 5 percent interest rate, current savings do not grow as rapidly as when the interest rate was 10 percent; with less of a boost from compound interest, we need to set aside greater amounts in order to reach the target of $500,000.
12 The cost in dollars will increase by 5 percent each year, to a value of $5 X (1.05)50 = $57.34. If the inflation rate is 10 percent, the cost will be $5 X (1.10)50 = $586.95.
13 The weekly cost in 1980 is $250 X (370/100) = $925. The real value of a 1980 salary of $30,000, expressed in real 1947 dollars, is $30,000 X (100/370) = $8,108.
14 a. If there's no inflation, real and nominal rates are equal at 8 percent. With 5 percent in flation, the real rate is (1.08/1.05) - 1 = .02857, a bit less than 3 percent. b. If you want a 3 percent real interest rate, you need a 3 percent nominal rate if inflation is zero and an 8.15 percent rate if inflation is 5 percent. Note 1.03 X 1.05 = 1.0815.
15 The present value is
The real interest rate is 2.857 percent (see Self-Test 3.14a). The real cash payment is $5,000/(1.05) = $4,761.90. Thus
16 Calculate the real annuity. The real interest rate is 1.10/1.05 - 1 = .0476. We'll round to 4.8 percent. The real annuity is
Annual payment
30-year annuity factor
You can spend this much each year in dollars of constant purchasing power. The purchasing power of each dollar will decline at 5 percent per year so you'll need to spend more in nominal dollars: $190,728 X 1.05 = $200,264 in the second year, $190,728 X 1.052 = $210,278 in the third year, and so on.
17 The quarterly rate is 8/4 = 2 percent. The effective annual rate is (1.02)4 - 1 = .0824, or 8.24 percent.
Old Alfred Road, who is well-known to drivers on the Main Turnpike, has reached his seventieth birthday and is ready to retire. Mr. Road has no formal training in finance but has saved his money and invested carefully.
Mr. Road owns his home—the mortgage is paid off—and does not want to move. He is a widower, and he wants to bequeath the house and any remaining assets to his daughter.
He has accumulated savings of $180,000, conservatively invested. The investments are yielding 9 percent interest. Mr. Road also has $12,000 in a savings account at 5 percent interest. He wants to keep the savings account intact for unexpected expenses or emergencies.
Mr. Road's basic living expenses now average about $1,500 per month, and he plans to spend $500 per month on travel and hobbies. To maintain this planned standard of living, he will have to rely on his investment portfolio. The interest from the portfolio is $16,200 per year (9 percent of $180,000), or $1,350 per month.
Mr. Road will also receive $750 per month in social security payments for the rest of his life. These payments are indexed for
. That is, they will be automatically increased in proportion to changes in the consumer price index.
Mr. Road's main concern is with inflation. The inflation rate has been below 3 percent recently, but a 3 percent rate is unusually low by historical standards. His social security payments will increase with inflation, but the interest on his investment portfolio will not.
What advice do you have for Mr. Road? Can he safely spend all the interest from his investment portfolio? How much could he withdraw at year-end from that portfolio if he wants to keep its real value intact?
Suppose Mr. Road will live for 20 more years and is willing to use up all of his investment portfolio over that period. He also wants his monthly spending to increase along with inflation over that period. In other words, he wants his monthly spending to stay the same in real terms. How much can he afford to spend per month?
Assume that the investment portfolio continues to yield a 9 percent rate of return and that the inflation rate is 4 percent.
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Can he safely spend all the interest from his investment?
What is the real annual saving the couple must set aside?
How long will it take me to accumulate the $30,000 future values?
How much is the bank interest rate on $315.47 for 21 years?
What annual interest rate, compounded monthy, is needed for eva to accumulate 200000?
What is the nominal value of the amount you need to save during the first year?
What is the value of a perpetuity that pays $100 every 3 months forever?
How long will it take for $400 to grow to $1000?
What is the implicit borrowing rate being paid by customers who choose to defer?
How much interest is 5percent per year on 450000?
What is the value of 4% perpetuities if the long term interest rate is 6%?
What is the value of % perpetuities if the longterm interest rate is %?
What is the compounded annual rate implied by this 16 percent rate charged for only four weeks?
What annual compound rate for an investment to double in value during a 19year period?
What is the monthly payment due on a 48 month, $12,250 installment note at 7.2596%?


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Ithaka S+R offers free training course on Sustaining Digital Resources
Ithaka S+R is offering a unique course that draws on a decade of their extensive research and consulting in the field, immersing participants in learning about audience research, understanding competition, and financial planning, all the while having them apply these lessons in real time to their own projects. The program begins and ends with two in-person sessions, with self-directed work, check-ins, and webinars in between. They announced the program on August...


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It's 11 AM on St. Patrick's Day. You're already drunk, trying to avoid whatever parade, bar crawl, or other dumb communal drinking event your friends (who aren't even Irish) are spamming your Facebook feed with. Yet, for some reason you still have a smattering of instinct to celebrate the holiday, either because you don't completely hate fun, or because you admit that driving all the snakes out of an entire country is actually pretty badass.
Maintain some festivity without leaving your dirty apartment—or even opening the blinds!—by checking out these five Irish filmmakers who are worth your time.
Aoife McArdle
North Irish filmmaker Aoife McArdle often blurs the lines between short films and music videos. Last year, she fused two U2 songs together with 80s Irish punk rockers for the film Every Breaking Wave, which you can watch above. Recently, she tackled James Vincent McMorrow's new album, Post Tropical, in a new series of videos, which you can find out more about on her blog.
Domhnall Gleeson
You may know him as the fascist-y General Hux in the new Star Wars movies, Captain Andrew Henry, a.k.a. the resident goodfella in The Revenant, and horny hacker Caleb in Ex Machina, but Domhnall Gleeson is also a director. Check out his absurd short film, Noreen (2010) above. Once he takes a break from his on-screen killing streak, we can't wait to see what will happen when he gets back behind the camera.
John Crowley
An indie darling of the Oscars, John Crowley's Brooklyn (2015) was a satisfying romance—and Irish as all hell. It was graciously more mature than the Nicholas Sparks-style fare we've been getting, able to draw more than just the date night crowd. Crowley, however, is certainly not boxed into this genre. He also directed two episodes of True Detective, a terrorism mystery starring Julia Stiles, and a coming-of-age film with Michael Caine cracking wise. Now that he's exploded into the mainstream, we can't wait to see what Crowley does next.
Vivienne Dick
Vivienne Dick shaped the voice of the No Wave movement of the 70s and 80s. If you don't want to throw back some Jameson after watching this segment of her 1971 classic Guerillere Talks, then why are you even celebrating St. Patrick's Day?
Conor McMahon
The Irish horror genre is full of gems, one of which is Connor McMahon. His films Stitches (2012) and Dead Meat (2004) are frequently cited as must-see slasher flicks, but his latest feature film, From the Dark (2014), is a whole housefull of non-stop terror. If you're as drunk as you should be right now, watch this film and embrace the inevitable St. Patrick's Day nightmares that result.
What Irish films will you be watching today? Let us know @CreatorsProject or in the comments below.
A Look Inside the Academy Award-Winning 'Ex Machina'
Talking to the Director Behind Pam Anderson's Sci-Fi Reinvention
Deconstruct Dennis Hopper, Icon, in the Red-Band Trailer for 'The American Dreamer' [Exclusive]


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We are stuffing our Peanut Butter Cookies into our Brownies to create a perfect dessert! Have fun with this two-in-one of deliciousness. We can't think of a more yummy combination and can't wait for you to try these delicious treats out for yourselves!
Peanut Butter Cookie Brownies
Yields 9 large brownies
You will need:


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So on goes my quest to get my 8th Edition 40K army finished, and this time it's my first unit of deathguard chaos cultists. These figures (of which so far consist of 12 models) come from CP Models in their Sci-fi Trench warfare range, and are a mix of both Brits & Germans. You can… Continue reading 40K 8th Ed Army: Deathguard: Chaos cultists: CP Models Sci-fi Trenchers.
Tag: Science fiction
Grinning Skull's End of 2017 Release Round-Up!!
Hello, peeps! Sorry, I haven't been around to keep you in the loop, a combination of stress, time limitations, and festive prep has conspired against me, but never the less, I'm here now, with a comprehensive round-up of our releases up to date. Id just like to wish all of you reading this, a very… Continue reading Grinning Skull's End of 2017 Release Round-Up!!
Grinning Skull Studios October Release Round-Up
Well, as the saying goes, better late than never, indeed we are a few days late in posting the mammoth load of Grinning Skull studios publications that were released last month. I actually think that it's a new record here, which also leaves us only 31 releases left before we hit 200 Grinning Skull publications in… Continue reading Grinning Skull Studios October Release Round-Up
Rogue Stars: Let the ideas start to flow!
So, with Osprey's Rogue Stars ( Rogue Stars: Skirmish Wargaming in a Science Fiction Underworld (Osprey Wargames) ) winging its way to me through the post (yes, I succumbed to it in the end, the temptation was far too great!) I really look forward to getting it so I can have a really good read to… Continue reading Rogue Stars: Let the ideas start to flow!
20 Sides of Karma: Evil Toys from the Toymaster's Workshop, New title from Grinning Skull Studios!
I'd like to take a minute to tell you about our new title series, 20 Sides of Karma, in a departure from the usual Grim's Amazing D100 Tables and other title lines, 20 Sides of Karma will address a collection of 20 items, NPCs, adventure ideas, creatures, events & encounters, and more in each supplement.… Continue reading 20 Sides of Karma: Evil Toys from the Toymaster's Workshop, New title from Grinning Skull Studios!
New Release: Sci-Fi Bundle Collection Vol. 1
Almost forgot to tell you about yet one more Grinning Skull Studios release, this time it's the SCI-FI Bundle Collection Vol 1, a discounted bundle of all our Sci-fi themed titles thus far! http://www.rpgnow.com/product/220550/SciFi-Bundle-Collection-Vol-1-BUNDLE?src=newest You can get this deal by clicking the link above or by visiting our publisher pages on the links below!
Osprey's Rogue Stars: Is it any good? Give me your recommendations?
So, been browsing about, and I've noticed Rogue Stars: Skirmish Wargaming in a Science Fiction Underworld (Osprey Wargames), which has caught my eye with a prospect of getting it. I absolutely know jack s**t about it, only that it seems like an attempt at a mini skirmish game attempt from Osprey to get some of… Continue reading Osprey's Rogue Stars: Is it any good? Give me your recommendations?


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Add $2.00 for Chili!
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Add grilled chicken or tofu for $3.00.
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D O Double G
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I Falafel
Well eat this and you'll feel so much better! A 4oz falafel patty, pickled onions, spring mix, and tzatziki sauce on an artisan bun.
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No time to worry about mass extinction! Texas toast and loads of American Cheese goo'd to perfection using our Heady Garlic Butter.
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Grilled Phat rolls
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So fat you'll need a two car garage. Sautéed zucchini, squash, mushrooms, broccoli, red onion, and carrots tossed in lime juice with black beans, avocado, cilantro lime garlic rice and a blend of cheddar and jack cheeses.
Corn on the Wrong Planet
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Pear's Gone Fishin'
Get to the bottom of this! Grilled Mahi Mahi, sweet n spicy pear slaw, sriracha aioli and cotija cheese on choice of corn or flour tortilla.
Bouncing Around the Shroom
That time then and once again it's marinated portobello mushrooms, sliced avocado, cilantro lime garlic rice and cotija cheese on your choice of corn or flour tortilla.
My Sweet Bun
A massive cinnamon roll slathered in sweet cream icing. From far away...you'll say it's name!
I Know You Sliders
Two 3oz.sausage patties or smiling hara Tempeh topped with scrambled eggs, hash browns and cheddar cheese on hawaiian bread. Gonna miss them when they're gone!
Huevos Banjeros
2 corn tortillas, home fries, 2 eggs sunny up, choice of sausage, peppered Bacon, chorizo, or smiling Hara tempeh, salsa, black beans, sliced avocado and goat cheese. Pick this one...it's a winner!
Spork in the Road
Can't seem to make up your mind? A Mexican pizza with refried beans, cheddar cheese, house made pico, sunny up egg, chorizo or smiling hara tempeh and dusted with chopped cilantro on corn tortillas. Served with a spork.
Scramblin' in the Scrambler
Scrambled eggs with jalapeños, green and red peppers, onions, chorizo, peppered bacon, sausage or Smiling Hara tempeh and hash browns on top of a buttermilk biscuit bottom, topped with white gravy. You old whisky drinking, bluegrass listening, Carhartt wearing, all night roaming rambler you'll always be!
Pickin' and Waffles
Hand battered fried buttermilk chicken breast topped with house made smoked gouda pimento cheese, resting on a cinnamon buttermilk Belgian waffle with maple syrup. A classic...with a toe tappin' twist!


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IVR service helps your customer can access required the information just by dialing a number without any human interaction. It helps to handle large call volumes as many corporate offices and companies. IVR service provider provides services in various sectors like banks, airlines, call centers, telecom companies, e-commerce industry and lot more.