![]() ![]() Annual FeesĬredit card issuers often charge annual fees on cards offering rewards and benefits. To avoid interest charges, you should pay on time and in full every billing cycle. Since many cardholders actively carry a balance, interest fees are a significant source of income for credit card issuers. Interest is also charged on balance transfers and cash advances. The interest rate applicable-often noted as an annual percentage rate (APR)-will have been determined when you were approved for the credit card. If you don’t pay off your credit card balance in full each month, you will be charged interest. Some vendors pass this charge on to consumers directly. This payment is usually rolled into the cost of the goods or services you purchase and ranges between 1% and 3%. Interchange FeesĮvery time you tap, insert, swipe or click with a credit card, an interchange fee (or swipe fee) is charged to the vendor for the convenience of accepting a credit card payment. Examples include:Ĭredit card companies profit from credit card transactions, through various fees and from interest charged on carried balances. Smaller banks or those with regional footprints also offer credit cards. Those interested in being more eco-friendly or banking more sustainably may be interested in choosing a credit union over a larger bank.Ĭredit unions often offer credit cards, including ones that earn cash back and points and have features that rival those of bigger bank credit cards. In order to join a credit union, you must fulfill the requirement of being within the field of membership. Members of a credit union share a common bond that defines the credit union’s field of membership. That means reduced fees, higher savings rates or lower loan interest rates. Any profits earned by a credit union used towards keeping financial costs down for their membership. That includes accepting deposits, making loans and other financial services.Ĭredit unions are administered by an elected volunteer board of directors. A credit union is a member-owned, not-for-profit financial institution that offers services similar to a bank. The following companies issue credit cards in Canada:Ĭredit unions also issue credit cards. The card issuer is still responsible for the overall issuance and management of the credit card in co-branded relationships. ![]() Examples of co-branded credit cards include cards associated with an airline or hotel loyalty program and store credit cards. Co-branded credit cards are the result of partnerships between businesses and card companies that promote the use of the business’ product or service. Ultimately, credit card issuers are lenders and they take responsibility for the funding they loan to you through the credit card.Ĭredit card issuers develop credit card products with benefits they think will be attractive to consumers. Your ongoing credit card relationship is managed by the card issuer who is responsible for sending out statements, collecting payment and reporting your payment history to credit bureaus. ![]() The issuer reviews your application, credit history, credit score and overall financial profile to determine if they will approve your credit card application and if so, the amount of credit that they will extend to you and the APR applicable. When you apply for a credit card, you’re submitting your application to a credit card issuer. Major bank card issuers include American Express, CIBC, TD, Scotiabank, RBC and BMO. Typically, banks and credit unions are card issuers. List Of Credit Card CompaniesĬredit card issuers are financial institutions that issue credit cards to consumers and businesses. While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor. These “affiliate links” may generate income for our site when you click on them. Second, we also include links to advertisers’ offers in some of our articles. This site does not include all companies or products available within the market. The payments we receive for those placements affects how and where advertisers’ offers appear on the site. This comes from two main sources.įirst, we provide paid placements to advertisers to present their offers. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive payment from the companies that advertise on the Forbes Advisor site. The Forbes Advisor editorial team is independent and objective. ![]()
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![]() Then add the final two numbers as minutes, so 1815 equals 6:15 PM. If the military time is something like 1815, find the closest cell, in this case 1800, and look up the time. For example, finding where 2200 is, look to the right to see that it is in fact 10 PM. If it matches exactly, simply check the cell to the right on the same row. To use the table, look up the closest military time to the number you are given. Military time conversion is a straightforward process and a conversion table is handy in such situations: Military time to standard time conversion Military time ![]() Then simply add the minutes ("00") and write it down as either 16:00 or 1600 depending on convention. Solution: since this time is PM, add 12 to 4 to get 16. Regular time to military time conversionĮxample task: How to express 4 PM in military time? This online Military Time Converter is a handy tool to convert standard time (12 hour time format) to the military time (24 hour time format) and vice versa. Since we are considering 12:00 AM, we would convert the hours to 00. Since 20 is greater than 12, it is a PM time. Since 12AM is the start of the 24-hour clock, the hours are converted from 12 to 00. Solution: 2000 means 20 hours and zero minutes. A great tip to commit to memory: Anytime you wish to convert military time to standard time that is after 12 PM (noon or 1200), simply subtract 1200, add a colon in between the hours and minutes, and add a PM after it. Military time to standard time conversionĮxample task: What time is 2000 military time expressed in standard time. Converting 1500 Military Time into Regular/Standard Time. Our army time converter supports conversion both from and to military time. However, for times in the afternoon and at night (PM), one needs to add twelve to the hour in order to arrive at the corresponding military clock time. For example, 8:30 AM is just 08:30 or 0830 expressed in the military convention. The convenience of military time is that it is unambiguous - there is just one number corresponding to each time of day, making it more likely to avoid mistakes in communication, especially over unreliable channels.įor times of the day before noon, standard time and military time are practically one and the same thing, but with added leading zero for hours below 10. Military time can also be expressed as 08:00 or 20:00. For example, 8 AM would be 0800 in military time, while 8 PM would be 2000. Army time is time expressed in 24-hour format as opposed to the regular time used in daily life which is in 12-hour format.
![]() ![]() On top of that, we gain massive energy from High Voltage, because we have two Electro characters in our party. It repeats its damage twice with each consecutive Attack, and procs Lightning Smite each time, if Nightrider is present. The produced Reaction, Electro-Charge, is very deadly to most enemies, and excels at bringing down enemy shields. With both talents active, Razor Attacks with Electro and Hydro damage, in addition to Physical damage at the same time. This Razor Incredible Wolf Build uses a combination of Razor’s Elemental Burst, the Lightning Fang, and the Guhua Sword Talents of Xingqiu which creates persistent Rain Swords. Genshin Impact Build: Razor The Incredible Wolf If you’ve been looking for a free to play Melee Claymore Build then check this one out! More Guides on our Genshin Impact Guide Section, Including Mona The Divination Wizard. In this Free to Play Build Guide I’ll explain just how to make Razor a premium damage dealer and face-tank, including what Weapons to use, what Artifacts to upgrade and which companions to pick up. Composing a party for each situation in Genshin Impact can be a bit of a challenge, especially with the limited options for those focusing on free-to-play. In this Genshin Impact Guide I’m going to be showing you my Incredible Wolf Build for Razor, which uses Normal Attack infused by Electro and Rain Swords infused by Hydro to inflict enemies with Electro-Charged constantly, or kill them outright. MMO & Open World Wikis MMO & Open World Wikis.Pillars of Eternity 2 Guides Pillars of Eternity 2 Guides.Party Combinations Guide: Magic, Physical and Mixed.Divinity Original Sin 2 Guides Divinity Original Sin 2 Guides.Pathfinder Wrath of the Righteous Guides Pathfinder Wrath of the Righteous Guides.God of War Ragnarok Guides God of War Ragnarok Guides.Midnight Suns Guides Midnight Suns Guides. ![]()
![]() Analyzed loan data, documentation, and calculations per GAAP standards identified risks and recommended policies /procedures to correct deficiencies and improve performance. Guided lenders and staff regarding documentation, commercial loan booking, and underwriting compiled and stored credit and collateral files as per state, federal, and banking regulations. Processed final closing and distribution of paid loans and payoff demand statements. Oversaw a variety of Loan Servicing functions including Commercial, Real Estate, and Consumer loans.
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![]() ![]() While it may seem silly, the main industry classification for rotary hammers tends to be by weight and chuck (or “bit holder”) size-5-pound, 10-pound, etc. There are some smaller cordless tools that are affordable and operate on a battery platform you may already have. Of course, it’s more expensive (though not much for a corded model), as are the bits. It’s also smoother to operate, drills faster, drills larger holes, and is orders of magnitude quieter. ![]() And once you use one, you’ll probably want to leave your hammer drill in the rearview mirror.Ī rotary hammer works like a jackhammer that twists: The bit reciprocates (i.e., travels forward and back in a linear fashion). Rotary HammerĪ rotary hammer is what a hammer drill wants to be when it grows up. This creates enough vibration (and noise they’re loud and whiny tools) for the steel bit to pulverize the hard material in front of it and for the flutes to evacuate most of it.Ī hammer drill is primarily for occasional drilling and smaller holes-think plastic anchors and screws (say for shutters or running coaxial cable) or #10 concrete screws. Think about a gubbins like two poker chips rubbing together at high speed. The actual part that does the vibrating is called a gubbins. The way a hammer drill works is to combine vibration with the twisting action of a typical drill. Even if you don’t need it right now, chances are you will. If you’re going to purchase a cordless drill/driver, it’s advisable to get the hammer drill function. You’ve probably noticed that you can buy a cordless drill/driver or drill/driver kit where the included drill has a hammer drill function. Hammer Drill or Rotary Hammer? Hammer drill They both do essentially the same thing but are vastly different tools. The best drill for concrete today is one of two tools: A hammer drill or a rotary hammer. While the process remains unchanged-pulverize the concrete, remove the dust from the hole-the tools most certainly have changed. Others were more along the lines of what we’d call a “cold chisel.” Some bit tips had a star pattern similar to what we’d call an SDS bit today. Hit the bit like a nail, twist the bit a quarter turn, repeat. (There were dedicated hand-saw sharpeners too, but that’s another story).Īnd in our age of microchipped tools, we’re lucky we don’t remember this because the last things pre-power tool concrete drilling was were fast or easy.īack in the day, the best drill for concrete (and the only one) was a hardened steel bit, a sledgehammer, and a hand strength Thor would admire. And it wasn’t that long ago that any larger masonry job had a blacksmith on hand heating and re-sharpening chisels. Some of us might remember the pre-power tool days of drilling holes in masonry and concrete. ![]() ![]() Here's what this manga is: seven chapters about a 15 year old girl being repeatedly raped and abused. I mean, unless you are a sick fuck, there's really nothing about this manga that is stimulating or hot or sexy. And to me, Metamorphosis utterly fails as porn. If you believe that Metamorphosis is exempt from criticism because it's only porn and it's not that deep, I have news that you might not like to hear: nothing is exempt from criticism, especially not So I will separate this review based on these two point of views. People will claim it's a deep, thought-provoking, innovative, subversive manga, but when you try to criticize it based on these claims, suddenly it's only porn and you shouldn't be taking it so seriously. I will be blunt: there is absolutely no value to be found in this.ĭiscussing Metamosphosis is complicated. She may not have ever gotten to enjoy life, but she won't have to suffer through it ever again. After toiling through life, she got the eternal reprieve she deserved. The ending for this manga was a happy one. I really appreciate how this manga shows that life can be worse than death. Even if the people who made Saki's life miserable were meted out justice, she will never get to experience that happiness. When life ends, it doesn't matter what happens afterwards because to experience something, you need to exist. We see Saki convincing herself that she is okay, we watch as she despairs when hope is taken from her, and at the end there is no after story, no epilogue. The lack of her thoughts make the story so much more tragically beautiful. Though the story is experienced in third person, it really is as Saki experiences things. one to help her at any turns she took, and she eventually found herself stuck. Though the protagonist may have been naive, she tried to live with others and just couldn't stand up to the world by herself. Many undeserving people are beaten down by life. The transition from seeking solace in life to seeking solace in death is beautiful and convincing.Īlong the way, the reader is reminded that less fortunate people have unexplored characters and stories that are often overlooked. Realistically, some people just have completely terrible lives. In many manga series, the character will experience the bad so that the good seems so much better when it comes. She endures the pain for a good future with her boyfriend, until.īeautiful. You'd think one would break down and cry a little when one get's hurt, but even after all the bad things happening to her, she persists. Except for the obvious sexual pleasure, she doesn't show emotions or thoughts for her current situation, except for the abortion scene and at the end. NOT FOR THE FAINT OF HEART.ĮDIT : I've noticed something. I'm disgusted, emotionally drained, sad as well as a little scared after reading this. TL DR :- One of the (surprisingly) saddest manga stories I've read as of writing this, and considering it is a hentai manga. It makes me scared that it happens to girls (and maybe even boys) in real life. ![]() Without spoiling anything, all the horrible things that happened before all combine to make a big punch in the gut, and to the heart, that you won't forget soon.ĥ. But Chapter 7 is when it separates itself from other hentai manga. And this continues on for 6 chapters, which is quite amazing to keep the reader engaging and disgusted at the same time.Ĥ. Even though they may seem cliched, it is still very hard to sit through. by the second chapter because of what was happening.ģ. I glance a quite many hentai manga, because reasons. ![]() But since it's a hentai manga, it's interrupted by a lot of sex scenes.Ģ. But the series of events and how they are unfolding and being presented, keeps the plot engaging. The "decent-into-living-hell" kind of one. So you now know it's "that" kind of story. ![]() ![]() * Then after hearing about ways to earn money by sex from her school friends, she gets into escorting, and that's when everything goes downhill.ġ. She gives into his charms, and accepts her as his boyfriend. He forces here into sex, even gives LSD to her, and hence afterwards, declares her his girlfriend. * She then meets a guy in a shop, who invites for a drink, and her wanting to be an "adult", goes there. she asks her mom to do some make-up and then she suddenly becomes the most attractive girl in the school. * Saki is a socially reclusive yet a very naiive girl, and when entering in high school, wants to become more social-able. Writing was nothing special, but was bearable. And it made the disgusting moments even more disgusting (in a good way, of course).Ģ. I'm not a manga reader(but an avid anime watcher), so this is still on of my early manga experiences.īefore moving to the crux, I'll address the technical things first.ġ. So, I happen to stumble upon this manga from a stupid Facebook page, and thought why not give it a go. ![]() ![]()
![]() Power Cosmic: Drax, Galactus, Silver Surfer Mind Control: Jean Grey, Phoenix, Galactus, Leader, Loki, Malekith, Mandarin, Mandarin (Film), Mysterio, Nightmare, Professor X, Psylocke, Stan Lee Magnetism: Magneto, Magneto Acolyte, Polaris, Stan Lee Invisibility: Black Widow, Invisible Woman, Nick Fury, Maria Hill, Emma Frost Ice/Freezing: Loki, Iceman, Frost Giant, Laufey ![]() Heat/Fire: Iron Man (Mark 42), Iron Man (Heartbreaker), Human Torch, Cyclops, Cyclops (Astonishing), Aldrich Killian, Destroyer (Minifig), Ghost Rider, Pyro, Super-Skrull, Mysterio, Nightmare, Rescue, Stan Lee Hacking: Beast, Doctor Doom, Green Goblin, Mystique, Ant-Man, all forms of Iron Man/Tony Stark, Bruce Banner (Hulk), Mister Fantastic, Black Widow, Beast, Curt Connors, Super-Skrull Grappling: Doctor Octopus, Venom, Whiplash, Viper, Superior Spider-Man, Super-Skrull, Spider-Man, Hawkeye, Ghost Rider, Carnage, Black Cat Marvel, Nova, Rescue, Silver Surfer, Spider-Woman, Star-Lord, Super-Skrull, Vulture, War Machine, Iron Patriot, Wasp, Wizard The first one explained the terms I used to distinguish characters’ abilities in the game this one includes which characters have which abilities.Īgility: Spider-Man, Spider-Man (F.F.), Captain America, Captain America (Classic), Black Widow, Hawkeye, Wolverine, Wolverine (Cowl), Beast, Black Cat, Black Panther, Daredevil, Elektra, Iron Fist, Mandarin, Mandarin (Film), Mystique, Psylocke, Toad, BladeĬlaws: Wolverine, Wolverine (Cowl), Beast, Black Cat, Black Panther, SabretoothĮlectricity: Doctor Doom, Thor, Thor (Classic), Storm, Arnim Zola, HERBIE, Whiplash, WizardĮxplosives: Green Goblin, Iron Man (Mark 1), Iron Man (Mark 6), Iron Man (Mark 7), Iron Man (Mark 42), Iron Man (Heartbreaker), Hawkeye, Agent Coulson, Beetle, Gambit, Howard the Duck, Iron Man (Hulkbuster), Squirrel Girl, War Machine, Iron Patriot, WaspĮxtinguishing: Jean Grey (force field), Phoenix (force field), Invisible Woman (force field), Blob, Storm, all ice charactersįlight: Iron Man (Mark 6), Iron Man (Mark 7), Iron Man (Mark 42), Iron Man (Heartbreaker), Iron Man (Heroic Age), Human Torch, Thor, Thor (Classic), Green Goblin, Archangel, Beetle, Black Bolt, Captain Britain, Doctor Strange, Electro, Electro (Ultimate), Galactus, Ms. There’s also the kids’ Ninebot S-another self-balancing scooter, but with a smaller battery than the Max-on sale for 46 percent off, which clocks in at $250 for the best Christmas gift ever.This is an updated version of my first character guide draft. If you’re more into the traditional Segway design, the self-balancing Ninebot S Max is discounted 33 percent, clocking in at $800 for the handle-less vehicle. It’s a good pick for teens, with a top speed of 19 miles per hour and plenty of range to get to school and back home for dinner. The affordable Segway Ninebot ES clocks in at $480 for Prime members and has some of the best safety features of the scooters we recommend. It’s usually $4,000, but Prime members can get the SuperScooter for $2,699 today-that’s 33 percent off one of the heaviest-duty electric scooters on the market. This scooter has dual suspension, goes for 56 miles, and speeds up to 43 miles per hour-yes, you read that right. The Max is our top pick because of its range, speed, and affordability (today it’s under $500).Īt an even steeper discount, the Segway SuperScooter GT is an absolute tank. Segway is a leader in the electric scooter space, winning our best overall designation for its Ninebot Max-which is currently 35 percent off for Prime members. It’s the perfect opportunity to think about treating yourself to something that’ll make your commute a little more fun: an electric scooter. ![]() For this year’s Amazon Prime Big Deal Days, the sales event running today, October 10, through tomorrow, October 11, Amazon Prime members get access to some of the best deals of the year, from home projectors to TVs to editor-recommended tools. ![]() ![]() ![]() Squirrel’s cherubic eyes, delicate paws rotating an acorn in and out of its mouth with precision, neurotic glances for predators (think of the adjective “squirrely”), stands alert, white belly bared, head telescoping. Another squirrel pauses, its tail question-marking, then twitches, signaling fear. It drops to the ground, hesitates, nabs its nut, climbs an oak tree. You keep doing you, Phat Gus.This is Sidewalk Naturalist, a column by Lenora Todaro which sees New York City through its wildlife citizens, whose lives tell us something about the way we live in a fragile ecosystem that is the city today.Īn acorn whizzes by my ear. Rober never did find a bird feeder that completely stopped the squirrels. Animals are endlessly fascinating to me, and I find interacting with them, even just by observing in a research setting, to be a rewarding educational experience. This video highlights so much of why I love animal behavior research. I appreciated his repeated comments on how he made the course humane so the squirrels would not actually be harmed. Rober also highlighted another important aspect of animal research: the safety of the subjects. It only took the squirrels about a week to get to the end of the obstacle course, and they were eventually able to do it all in less than 40 seconds. The course includes rope and slinky bridges, a maze, spinning obstacles, a dropping platform, a photo op, angled steps, and a (gentle) catapult. ![]() This is the kind of research people typically think of with rats in mazes or Pavlov making dogs salivate to a bell. ![]() The obstacle course itself is a great example of behaviorism, measuring behavioral responses to stimuli (typically in a laboratory environment). Spotting his landingĪlso under the ethology category would be his initial pilot study of which type of seeds or nuts the squirrels prefer: walnuts, which he then used as his obstacle course final reward. He nicely ties this back to the evolutionary ecology of squirrels, considering it an adaptation to life in trees. Rober is similarly fascinated by the physics of how squirrels are able to land so cleanly even after being launched or dropped from his platforms: lowering their terminal velocity, turning in midair and pulling in/stretching their limbs, spotting their landings, and using their tails to adjust their trajectory. This led me to be fascinated by the physiology of how manatees use their tails, flippers, and bodies to rise to the surface to breathe, even while sleeping. This type of research was my primary focus during my undergrad my career goal was to study animal behavior in zoos (spoiler alert: this is not my current field of biology at all).įor example, I would observe the manatees at the Columbus zoo, creating an ethogram of their behaviors (eating, sleeping, social interaction, swimming, surfacing to breathe) to see how much of their time was spent doing each activity, and what part of the exhibit they were doing them in. The most interesting to me is the part involving ethology, the study of animals’ behavior typically in their natural environment with limited interference. The study here really consists of two types of animal behavior science. Speaking as another currently-pregnant female, Phat Gus is quite frankly an inspiration to me. My favorite: Phat Gus aka Phantastic Gus, who turns out to be a pregnant female. His observations of the course begin by identifying his subjects: 4 particular squirrels were included in this study. ![]() |
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