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![]() Information such as interest rates quoted and default figures used in the assumptions are subject to change. Individual institutions apply different formulas. Results do not represent either quotes or pre-qualifications for the product. The results from this calculator should be used as an indication only. ![]() Different terms, fees or other loan amounts might result in a different comparison rate. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Car loans Car loan calculator Use our car loan calculator to get into the driver’s seat Our simple calculator will let you know your repayments and how long it’ll take to repay your loan. Loan amount rounded to the nearest whole dollar. RACQ Bank does not guarantee or otherwise provide assurance in respect of the obligations of that entity, unless noted otherwise.Ĭomparison rate calculated on an unsecured loan amount of $30,000 over 5 years based on monthly repayments. This calculator computes the most expensive car you can buy based on the highest monthly payment you. That entity’s obligations do not represent deposits or other liabilities of RACQ Bank. Find out how much car you can afford and the budget to purchase a car based on your income. Read the disclosure documents for your selected product or service, including the Financial Services Guide and the Terms and Conditions, and consider if appropriate for you before deciding.Įxcept for RACQ Bank, any RACQ entity referred to on this page is not an authorised deposit-taking institution for the purposes of the Banking Act 1959 (Cth). To calculate the loan amount we use the loan equation formula in original form: P V P M T i 1 1 ( 1 + i) n Example: Your bank offers a loan at an annual interest rate of 6 and you are willing to pay 250 per month for 4 years (48 months). Car Affordability - Find Car within your budget This car affordability calculator is a free online tool to help you budget your car payment and find the most suitable car that comes within your budget. This information does not take your personal objectives, circumstances or needs into account. This is general advice only and may not be right for you. Terms, conditions, fees, charges and lending policies apply. Principal - The principal is the amount you borrow before any fees or accrued interest are factored in.Banking and loan products issued by Members Banking Group Limited ABN 83 087 651 054 AFSL/Australian credit licence 241195 trading as RACQ Bank. Your loan’s principal, fees, and any interest will be split into payments over the course of the loan’s repayment term. Loan term - Your loan term is the period over which you will make repayments. You can use Bankrate’s APR calculator to get a sense of how your APR may impact your monthly payments. This rate is charged on the principal amount you borrow.ĪPR - The APR on your loan is the annual percentage rate, or cost per year to borrow, which includes interest and other fees. Interest rate - An interest rate is the cost you are charged for borrowing money. You should use an auto loan calculator when you first car shop online so you’ll know your price. It’s important to figure out what a price in the tens of thousands of dollars would actually translate as your monthly payment. Our calculator shows you the payment you’d get based on a car’s price. Common types of unsecured loans include credit cards and student loans. Car Affordability Calculator Car Loans & Leasing Car Affordability Calculator Monthly Payment Down Payment Trade-in Value Get a cash value for your car » Estimated Sales Tax Estimated. Why an auto loan calculator is important. ![]() You can also see how your loan amortizes, or how much is paid down, over the payoff period. Enter the loan amount, loan term and interest rate in the fields below and click calculate. At 3.5, 400 payments buy you a 22,000 loan for 60 months. Use this loan calculator to determine your monthly payment for any loan. This personal loan calculator will help you determine the monthly payments on a loan. out what vehicle price you can afford for a given monthly loan payment. How far that goes depends on your interest rate. Calculate your estimated monthly car payments using this free online calculator. Unsecured loans don’t require collateral, though failure to pay them may result in a poor credit score or the borrower being sent to a collections agency. Say you have decided that you can afford to spend 400 a month on a car. In exchange, the rates and terms are usually more competitive than for unsecured loans. Common examples of secured loans include mortgages and auto loans, which enable the lender to foreclose on your property in the event of non-payment. Secured loans require an asset as collateral while unsecured loans do not. Click HERE for a list of institutions that will check your meteorite. Get a saw with a diamond blade and cut that baby open or send it to a University or museum that will do a petrographic test on it for you. If your obsessed with knowing for sure or think you have a planetary meteorite There are virtually no naturally occurring rocks on earth that contain Nickel-Iron so this is the best test!Ĥ. This is of course if the test was done correctly. Test for Nickel-Iron - if it tests positive then it has 99.9% chance of being a meteorite, Use some vinegar to remove the surface rust (the vinegar is acid and it helps to remove some of the rust) Clean up the potential meteorite real good *Less than 4 or 5% of meteorites have a density below 3 but that includes the most expensive planetary meteorites, almost all Earth rocks have densities between 2.5 and 2.99 So if its over 3 it's very likely to be a meteorite if it's not a man made object. Third: divide the first weight by the second. ![]() Second: weigh your meteorite in a glass of water by tying it to a string and not letting it touch the bottom of the glass then subtract the weight of the glass of water so that you have only the weight of the water that was displaced by the volume of the potential meteorite. First: weigh your meteorite on a precise scale. Do a scratch test on a tile after you clean it up- if it leaves a brown, red or black mark then it's not a meteorite. Clean meteorites do not streak on a tile. Does it have stress fractures, these are cracks in the surface and are due to expansion of frozen water inside Does it have flow lines, these are lines from wind friction- if it does that's a great sign Does it have rust spots-meteorites usually rust from weathering ![]() Does it feel dense-most meteorites have a density of over 3, while most earth rocks are in between 2.5 and 3 Does it stick to magnet-if it does that's a good sign Does it have regmaglypts- these are described as thumbprints or small indents, if it does that's a good sign Does it have fusion crust- if it looks melted on the surface that's a good sign The Maine museum is home to the largest Martian meteorite on Earth, weighing 14.5 kilograms, and houses the largest collection of moon rock meteorites in the world. Is it brown or black- meteorites are usually these colors either because it just fell (Black) or it has been lying there and has weathered over time from rain, wind, oxygen(causes it to rust) and sunlight (Brown)? Please inspect your order upon reception and contact us immediately if the item is defective, damaged or if you receive the wrong item, so that we can evaluate the issue and make it right.Ĭertain types of items cannot be returned, like perishable goods (such as food, flowers, or plants), custom products (such as special orders or personalized items), and personal care goods (such as beauty products). You can always contact us for any return question at and issues Items sent back to us without first requesting a return will not be accepted. To start a return, you can contact us at If your return is accepted, we’ll send you a return shipping label, as well as instructions on how and where to send your package. ![]() You’ll also need the receipt or proof of purchase. To be eligible for a return, your item must be in the same condition that you received it, unworn or unused, with tags, and in its original packaging. I only wish they included an adaptor for it but with 9 volt batteries you can place these things anywhere you like.We have a 30-day return policy, which means you have 30 days after receiving your item to request a return. Though if you are just starting it may take up to 3 days before you notice the difference. It seems on the yellow setting it gets rid of fleas, ticks, mosquitos, flies, ants and even bed bugs! I havent had to use any other setting because roaches get eaten up by the gecko lizards outside before they even make it to my house and believe me my inconsiderate neighbors like to keep their outside garbage up against my back fence in the hot sun and I have seen their roaches trying to get to my house but to no avail, lots of hungry geckos in my yard So the yellow setting is best for me. Since buying these sonic home protectors and placing them all around the strategic entry and exit points of my house on yellow, as well as around their beds including under my own I havent had that pest problem even though the bugs lurk just outside my doors. Of course I would occasionally get bit as well and during the rainy season theres the mosquitos who bite everybody. Unfortunately, living in Florida has drawbacks and there are always bugs lurking in each patch of grass so it isnt unusual that a hitch-hiker or two gets tracked back into the house with them and would cause them to start getting itchy and scratchy. They love to go out into the back yard and roll around in the dirt. I have three Shih Tzus who are like kids. Dimensions 3.9" x 1" x 4.3" Please Note: The noise may also cause inadvertent distress to rabbits and rodent pets, such as guinea pigs and hamsters. Mounts Anywhere With ease (Even On Walls) Make sure you're protected with the 3-way Ultrasonic Home Protector. No matter what time of year it is, pests try to make your home theirs. Use it in the backyard, in your garage, under the kitchen cabinet, anywhere you want protection you got it! Power it with a 9V battery (not included) and place the compact unit anywhere. One of the best things about the unit is that the cordless design is totally mobile. (Just don't set it on the mouse setting.) Even if you have pet mice or rats you can use this. It's even safe for pets! Dogs, cats, birds and more aren't affected by the Home Protector. Each unit gives you total protection up to 300 square feet. Green for Mice, Red for Roaches, House Flies, Feas and Ticks and Yellow for Mosquitos. ![]() A simple 3-way switch selects the mode and the LED light shows you what is selected. It's super-effective! Unlike other ultrasonic pest devices, the Home Protector uses specific ultrasonic waves for different pests. ![]() Ultrasonic waves emit in 5-second bursts to make your home totally unbearable for pests, but can't be heard by humans! No more disgusting traps or harmful chemicals. Protect your home from invasive household pests with the 3-way Ultrasonic Home Protector. ![]() Reimbursements must have a clear correlation to actual expenses. If the employee would receive the same amount of compensation anyway, the business connection requirement is not met. For instance, if a janitor is required to provide his or her own cleaning supplies and is paid $200 per day, an employer cannot simply designate $50 of the janitor's pay as reimbursed cleaning supply expense. ![]() In instances where employees are required to routinely provide their own tools and materials, reimbursement schemes should not resemble wages. Reimbursement for small tools can be a gray area that should be documented carefully (see Rev. Examples of nondeductible entertainment expenses under the TCJA include (Regs. If an employer reimburses entertainment expenses, the reimbursement must be treated as wages (Regs. Entertainment expenses are no longer deductible as such at all under the TCJA (Sec. For instance, meals may be reimbursed at 100% of the cost, even though the expense is only 50% deductible by the company. Reimbursing an expense does not change the deductibility of the expense itself. Dues, subscriptions, and professional licenses.Gas or mileage expenses (either actual or per diem).Travel expenses (either actual or per diem).A purchase for a legitimate business purpose is anything that is deductible under Regs. BUSINESS CONNECTIONīefore a reimbursement can be made, the employer must authorize the purchase for a legitimate business purpose. In other words, the reimbursements are taxable compensation to the employee and subject to employment taxes. If any of the three conditions isn't met, the reimbursement arrangement is treated as a nonaccountable plan. The employee must return any money not spent to the employer, also within a reasonable period.The expenses must be substantiated within a reasonable period and.The expenses must have a business connection. ![]() To offer an accountable plan, an employer must comply with three standards: It may be helpful to analyze these requirements and related regulations from the employer's and employee's respective viewpoints. 274(d)) or if it allows the employee to retain any amount exceeding the substantiated covered expenses. 62(c) further specifies that an arrangement will not be treated as a reimbursement or other expense- allowance arrangement if it does not require the employee to substantiate the expenses covered under the arrangement (apart from certain exceptions under Sec. These deductions include expenses of employees paid or incurred by them in connection with their performance of services as an employee, if the expenses are reimbursed under a reimbursement or other expense- allowance arrangement with the employer (including such a reimbursement provided by a third party) (Sec. 62(a) as gross income minus certain deductions. Given the changes, it is a good time for CPA tax practitioners to review their clients' existing accountable plans and help those who want to establish one. 115- 97, redefined the deductibility of business expenses and disallowed the deduction of out- of- pocket expenses paid by employees on their personal tax return. The law known as the Tax Cuts and Jobs Act (TCJA), P.L. Accountable plans are a flexible tool to incentivize employees to pursue business goals and to facilitate employee- owners' deductions of expenses they incur in running their businesses. Conversely, if reimbursements are not legitimate business expenses or are not properly documented, they are taxable income to employees. They can do so - and the business can still claim a deduction for the expenditure - if their employer reimburses them through an accountable plan.Īccountable plans work on the simple concept that if reimbursement payments to business owners and their employees are properly claimed and documented, they are not taxable to the recipient. If employers reimburse the expenditures, employees might have to include the amount as taxable compensation but would generally prefer to receive a reimbursement tax- free, especially where they received no net benefit. In most cases, they do so either expecting to be reimbursed or, until the end of 2017, expecting to claim the expenditures as a miscellaneous itemized deduction (above a threshold of 2% of adjusted gross income (AGI)). Employees, including business owner/employees, often are required to pay expenses out of pocket on behalf of their employer or business. A Mobile Lounge can carry 102 passengers- 71 of them seated- directly from the Terminal to the aircraft on the ramp. It is a 54-foot long, 16-foot wide, 17 1/2-foot high vehicle, weighing 76,500 pounds. The Mobile Lounge was designed by the Chrysler Corporation in association with the Budd Company. The airport also maintains a fleet of 19 Mobile Lounges and 30 Plane Mates, which offer a unique service transporting passengers between the Terminal and Concourses A and D. Read more about the construction of this system. The AeroTrain system opened to passengers on January 26, 2010. ![]() This is a permanent 20,800-square-foot facility built with 5 airline gates, currently deployed in a 4-gate configuration. The Z Gates opened on Augas a new part of the Terminal. This increased the length of the 42-gate concourse to 2,810 feet and the area to 800,000 square feet. A 15-gate extension at the West End of the concourse opened January 15, 2008. Regional Concourse A opened on with more than 110,000 square feet to serve 36 regional aircraft positions.Ĭoncourse B opened on Februand was expanded in 2003 to 27 gates and 540,000 square feet. The concourse is 550,000 square feet and has 47 airline gates. In 1998, the federal government opened a secured facility in Concourse C for international passengers connecting to domestic flights on United Airlines.Ĭoncourse C/D was completed in 1985 to serve as an interim facility and will eventually be replaced by a permanent facility. The International Arrivals Building opened in 1991, and provides Federal Customs and Border Protection, Agriculture and Immigration Service. The Terminal was expanded from 600 feet in length and 500,000 square feet to 1,240 feet in length with a total of 1.1 million square feet all in accordance with Eero Saarinen’s original design. The October 1, 1996, expansion of the Terminal was a prominent milestone in the Capital Development Program. The Terminal was originally built as a compact two-level structure 600 feet long and 200 feet wide, from the design of world renowned architect Eero Saarinen. Concourse A: 35 commuter gates + 12 mainline gates.In 2005, an additional 830 acres were acquired.Ĭurrent land area: 11,830 acres (approximately 5,000 acres are used for aircraft operations) In 1999, an additional 1,000 acres were acquired. Total cost of original Terminal: $108.3 million.īuilt on 10,000 acres situated in Loudoun and Fairfax Counties in Virginia, approximately 26 miles from downtown Washington, D.C. Terminal: Designed by architect Eero Saarinen. ![]() Eisenhower from 1953-1959.Īirport Opening Date: Dedicated Novem( copy of the program) Washington Dulles (IAD) – Airport and Terminal Maps Image FileĪbout Washington Dulles International AirportĪirport Name: Washington Dulles International Airport, named after John Foster Dulles, who was Secretary of State under President Dwight D. Washington dc Dulles International Airport Map Washington Dulles Airport Map Washington dc Dulles International Airport Map PDF File Download a printable Washington-Dulles-Airport-and-Terminal-Maps
![]() The vast majority of clicky switches that are available today utilize a clicky jacket design in which a mechanism produces an audible clicking sound when the stem is depressed, but the sound is muted when the stem returns to its initial position. Click Jacket (The most common and the most widely on the market) How Do Clicky Switches Work?īased on the type of click sound produced, clicky switches are divided into 2 parts, namely Click Jacket (loud clicking sound) and click bar (small clicking sound). Some of the most popular clicky switches include the Cherry MX Blue, the Kailh Box Jade, and the Gateron Blue. There are several types of clicky switches, each with their own characteristics and feel. Clicky switches are popular among typists and gamers because the audible and tactile feedback helps with accuracy and speed. The stem is also responsible for pushing down an electrical contact to register the keystroke. They are named after the distinct “click” sound they make when the key is pressed, which provides tactile and audible feedback to the user.Ĭlicky switches have a mechanism that uses a spring to push a plastic stem with a “click jacket” up and down, creating the characteristic clicking sound. Top 7 Best Mechanical Keyboard In 2023 What are Clicky Switches?Ĭlicky switches are a type of mechanical switch commonly used in computer keyboards and other input devices. How can I find the best clicky switches for my mechanical keyboard?.What types of keycaps work best with clicky switches?.What are some drawbacks of using clicky switches?.Can clicky switches be used for gaming?.What is the actuation force of clicky switches?.How do clicky switches differ from other types of switches, such as tactile or linear switches?.What are some popular brands that make clicky switches?.Why do some people prefer clicky switches over other types of switches?. ![]() What are clicky switches for mechanical keyboards?.The Best Clicky Switches: Our Top Picks.Factors to Consider when Choosing Clicky Switches.Click Bar (The population is quite small).Click Jacket (The most common and the most widely on the market). ![]() Can you leave lemon on your face overnight? Doing so can increase your risk of sunburn and other side effects. You shouldn’t use lemon if you know you’re going to be out in the sun. Ideally, you would stop using lemons once you see improvements in your complexion. If you decide to try out fresh lemon as a face treatment, start with once daily applications. Never apply lemon before going outside in direct sunlight, and don’t use it for several days before any planned outdoor activities.įrequently asked questions Can you put lemon on your face every day? SunburnĬitrus fruits applied topically can also increase your risk of sunburn. While some people use lemon to lighten dark spots, large, widespread white leukoderma spots may develop instead. Leukoderma, also known as vitiligo, occurs when your skin is lightened due to a loss of melanin, the substance responsible for creating your natural skin color. When you have citrus substances on your skin and your skin is then exposed to UV rays, an inflammatory reaction may occur. Phytophotodermatitis is a type of skin reaction to citrus fruits and other culprits, like parsley, celery, and carrot plants. As a rule of thumb, people with sensitive skin should stay away from topical lemon applications. These effects can be worse if you have sensitive skin. Lemon is extremely acidic, which can irritate your skin. Skin irritation is the most common side effect of using fruit acids. ![]() The risks can also be greater if you have sensitive skin or you expose your face to the sun after applying lemon. Lemon tends to have more side effects than benefits for the skin, making this a risky DIY option for home skin care. Side effects and precautions for using lemon on your face Some proponents of using lemon on the skin say that the citrus fruit is a natural method of increasing collagen in facial skin.Ĭollagen is a protein that naturally breaks down with age, which can then result in fine lines and wrinkles.Īs an antioxidant, vitamin C may help prevent free radicals that can damage collagen, leaving you with smoother skin. The sloughing-off effects are attributed to lemon’s natural levels of citric acid, as AHAs have an exfoliating effect on the skin. Since lemon juice can get rid of dead skin cells, the theory is that it might also alleviate skin patches attributed to psoriasis and dandruff. Skin spot or hair lighteningĬitrus ingredients like lemon may also work well on lightening age spots or acne scars, as well as any hair on your face. Lemons also have antimicrobial effects, which may help tame Propionibacterium acnes bacteria that lead to inflammatory acne.Īt the same time, lemon also has antifungal effects, which may help treat Candida rashes as well as scalp fungus that sometimes occurs with seborrheic dermatitis. Ingredients with a low pH level can help decrease inflammation and oil that may contribute to the formation of acne.įurthermore, citric acid, a type of alpha hydroxy acid (AHA), can help break down dead skin cells that lead to noninflammatory forms of acne, like blackheads. Lemon juice has astringent qualities due to its acidic level. Lemons are sometimes used for the following. The purported benefits of using lemon on your skin have to do with the natural acidity of this citrus fruit, as well as its vitamin C content. ![]() Possible benefits of using lemon on your skin ![]() And then, if I want more than that, open source CMS platform such as self-hosted WordPress and Concrete5 would give me the power to do all kinds of custom work while also keeping me from reinventing the wheel via plug-ins and premium themes, none of which Freeway Pro can match. If I just want to get something up and running fast and easy with minimum fuss, online services such as, , are far more suitable for such scenario and they still offer CMS and social capability right out of the box, which Freeway Pro doesn't. The whole thing is becoming more like a web app development, and Freeway Pro doesn't address these needs much at all. Web is about usefulness, mobile access (not just front end, but also updating process as well) and social media. Gone are the days of web design based on print design mindset, which this software is based on. WYSWYG is one of Freeway Pro's selling points, but the thing is that web is not WYSWYG. Keep up the good work Softpress!įreeway Pro is an ok application, but I consider it utterly obsolete and irrelevant. Lastly, I do not have to spend hours sorting out irregularities caused by poorly generated code, it is not perfect but what is. Love it or leave it remember it's just your opinion. Unfortunately some comments and reviews left here seem to be more trollish than factual and it seems some folk have real issues with objective civil communication. ![]() Obviously it will not appeal to everyone. It is user friendly and Softpress does respond to issues unlike other web apps I have tried who lead you to user forums rather than direct support. I applaud the latest version and I am presently using BackDraft to augment my responsive design projects. I have tried many other web creation apps and have always gone back to Freeway. I have found support responsive and helpful and were willing to walk me through difficult problems either due to my lack of experience or being more old school. I have used Freeway from the very beginning (discovered it around 1998 from a Computer Arts mag CD). "Thank you for your support over these many years. Customer downloads will continue to be available from their respective links below and the Softpress KnowledgeBase is still active. "We will do our best to ensure that users can get community support in the short term through FreewayTalk, though there are no plans to further develop our products at this time. Some of our team have been “on duty” here at Softpress Towers since the beginning. The challenges that we have overcome, the friendships we have found, and the daily efforts we have shared as a team, have defined much of our lives since 1993. ![]() "It is with great sadness that we have made this decision Softpress has been a part of our lives for over two decades. It has become clear that our prospects, both in terms of current revenue and new product development, are insufficient to sustain the company as a viable entity going forward. "To all our friends, partners and customers: Here is the final message from the developer's website: ABANDONWARE: Freeway Pro, and all other software by the developer Softpress, is now discontinued. |