![]() ![]() It shows the amount of principal and amount of interest that contains each payment till the loan is paid off at the end of its term. 9 What are the benefits of using an Excel amortization schedule template?Ī loan amortization schedule is a schedule that has a complete table of periodic loan payments.8.2 Occasional or Sporadic extra payment.8 How to schedule extra payments in amortization schedule?.7 How does the Loan Amortization Schedule Template Works?.6 Who can use an amortization schedule template?.5 What are the methods used to develop amortization schedule?.4 How can a loan amortization schedule help the borrowers?.3 How do I create a loan amortization schedule in excel?.2 How many types of amortization are there?.1 What is a loan amortization schedule?.However, the debtor can request to take a grace period of few months in which no payment will be made. It allows the debtor to understand repayment terms. Thus, an loan amortization schedule is a share with the debtor. The payment of the loan is distributed over the defined period of time. ![]() Thus, it’s also a type of amortized loan that every employee has to deal with. Most companies have 2–3 year scheduled payment plans. So, an employee may ask to take a loan from its collection of provident amount. This provident fund is released on the retirement or final settlement of the employee. Most public sector companies deduct the fixed percentage of the amount from employee’s salaries and collect it in the name of employee provident fund. Most commonly this type of loan is taken for a vehicle loan, personal loan, study loan, and small project loan.Īnother common example of an amortization loan for employees is the P.F loan. It is commonly known as an amortized loan. However, if a loan is taken with scheduled and periodic payments. So, it means the money has to be returned within the defined period. A loan is the amount of money borrowed from someone with defined terms and conditions. ![]()
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![]() ![]() As noted in a 2016 study:Įstradiol in men is essential for modulating libido, erectile function, and spermatogenesis. Of course, the brain is also a vital part of sexual health, and estrogen levels in both the brain and the testicles are instrumental in the functioning of the libido, sexual performance, and reproductive capacity. As one study on estrogen inhibitors pointed out, “Men with estrogen deficiency caused by a mutation in the CYP19 gene suffer from low bone mineral density (BMD) and unfused epiphyses.” (The latter part is the rounded part of a long bone not having it fused can lead to serious mobility issues.) This does not mean that estrogen inhibitors will necessarily hurt bone density, but it is an example of the importance of estrogen to structural health.Įqually interesting is the role estrogen plays in the brain, where it works as a neuroregulator, helping to promote impulse control and curb anti-social behavior. Much like in women, estrogen is important to bone health in men. It is produced in a man’s skin, brain, bones, and testicles-so we can already guess that it is pretty important. In fact, estrogen is found throughout a man’s body. But it also does similar things, to different levels, in a man’s body. We all know that estrogen plays a pivotal role in a woman’s body, regulating the reproductive cycle, protecting bone density, and even regulating mood. Often, there are better, healthier, and more effective ways to improve the symptoms of low testosterone. The truth is that estrogen is an important hormone for men’s health, and artificially blocking it is usually unnecessary or ill-advised. But even if men succeed in lowering their estrogen levels with these supplements, they may find that the effects of low estrogen may actually worsen their symptoms and bring new side effects along for the ride. For starters, even the most popular OTC estrogen blockers, such as diindolylmethane (DIM) supplements, have only limited evidence of efficacy, and scientists know practically nothing about their potential long-term health effects. At best, these supplements are ineffective and at worst, they put you at risk of serious health problems. Not only is this wrong-headed, it is also potentially dangerous. It doesn’t help that some supplement companies actively encourage this thinking by marketing estrogen blockers as a miraculous shortcut to weight loss, lean muscle gain, and a higher sex drive. The thinking is that because estrogen is a “female hormone,” it inhibits them from being stronger, leaner, and more virile. The problem is that some men take unregulated OTC supplements marketed as estrogen blockers for men to ostensibly boost testosterone to increase muscle mass, workout abilities, and energy. They’re also used (again, with a prescription) to help fight breast cancer. ![]() ![]() With proper medical supervision, estrogen blockers can have meaningful benefits, including increasing testosterone and even reversing infertility. These drugs do have legitimate therapeutic uses, particularly for men with low testosterone and genuinely excessive levels of estrogen. Multiple types of estrogen blockers exist, including selective estrogen receptor modulators (SERMs) such as tamoxifen and aromatase inhibitors (AIs) such as anastrozole. What are Estrogen Blockers Used for in Men?Įstrogen modulators, sometimes called anti-estrogens or estrogen blockers, are a group of compounds that suppress the body’s estrogen production or block estrogen from binding to receptors. This, in turn, has spurred the growth of over-the-counter estrogen blockers for men, which can cause harmful side effects and confuse the sometimes-genuine need for estrogen moderation. Of course, such logic is scientifically inaccurate, but that hasn’t stopped people from thinking that estrogen is something men should avoid. If women and men are so different-indeed, dimorphic-then hormones thatĪre more prevalent for women must be bad for men. For another, it promotes dangerous thinking about For one, it erasesĬomplexity of sex and gender. Truth to that, but that kind of thinking does a few things. Scientific extension of bad standup comedy: hey, did you know that men and And while there were some cute parts to it, it was a sort-of The early 90s, a book called Men Are From Mars, Women Are From Venus wasĪ huge sensation. ![]() ![]() ![]() It also has a wide range of medicine cabinet staples and remedies - in other words, a fantastic place to stock up on medicines and vitamins. Savers offers the best bargains on toiletries and beauty products. Little wonder it’s one of the country’s leading clothing brands. Whether you’re looking for affordable formalwear, sports attire, undergarments, winter clothing or loungewear, you can undoubtedly find your fit at Primark. The store offers an extensive range of clothes (and even homeware goods!) at unbeatable prices. Source: Andy Buchanan/AFP Primarkįor affordable fast-fashion clothing, Primark is your best bet. ![]() Shoppers queue to enter a re-opened Primark clothes shop in Glasgow. The best part about the store is that many of their items are from big brands, so this lets you save big time. If that sounds like a shopping haven to you, we think so too. Poundland sells almost everything for approximately one pound each. Simply put, British Heart Foundation is a great place to get your supplies while supporting a good cause. Its charity shops offer high-quality yet affordable second-hand goods, from homeware items to clothing and books.Įvery proceed earned from their charity shops are used to fund research for cardiovascular disease. British Heart Foundationīritish Heart Foundation is a cardiovascular research charity in the UK that runs high-street charity shops across the country. If you’re an environmental advocate, you’ll love this - Wilko sells a wide range of eco-friendly products, from plastic-free wipes to vegan-friendly laundry detergents and dishwashing liquids. ![]() Whether you need containers, cutlery, cleaning tools, bedsheets or cooking tools, Wilko has it all. It’s a homeware retail chain that offers all kinds of affordable home, storage, kitchen and dining, cleaning and stationery products. If you’ve not heard of Wilko, you’re missing out. Source: Adrian Dennis/AFP Cheap stores in the UK for household items, clothes, health products and more Wilko ![]() Maxx is worth a visit if you’re looking for the most competitive prices for high-end and designer products. The best part? These brands have outlets across the country. We’ve scoured the web to list the best cheap stores in the UK that are worth checking out, especially if you’re looking to stock up on household goods for your dormitory. All you need to do is know where to look. They typically offer unbeatable prices for goods, tools, necessities and clothes that you likely won’t be able to find back in your home country. In fact, the UK is home to some of the best bargain stores in the world. Having said that, living on a student budget in the UK might not be as difficult as one might think if you know where to look, from keeping an eye out for time-specific meal deals to shopping in cheap stores in the UK. And let’s not forget budgeting for meals, shopping, and other necessities. University fees, utility bills, and accommodation, among others, are costly. The UK is - after all - an expensive study abroad destination. If you’re one of them, chances are, you’re constantly on the lookout for the best cheap stores in the UK, including for cheap eats, getting the most out of student deals, and stocking up on necessities during clearance sales. If there’s one thing every international student in the UK has in common, it’s that they’d jump at any chance they’d get for the best deals. ![]() ![]() Which email programs does MailWasher work with? PHIL JOHNSTON, Satisfied MailWasher Customer I am very pleased with the software as well as your customer service. Please pass on my appreciate to the appropriate members of your team. I am amazed at the ease with which the Mailwasher Pro 2012 software installs and is almostĪutomatically configured. I don’ t know what you could do to make it more effective or easier to use. You put the big name businesses to shame. Simple to add new friend's & blacklist, superb filtering, pain free upgrading & great interaction From the very beginning your program was easy to install, easy to customise, Spam & unwanted emails drove meĬrazy for so long. Thanks for your email & thanks for a really 1st class program. JOHN A MARGOLIS, Satisfied MailWasher Customer I just found 27 minutes a day, that's almost one full week a year that I no longer have to spend on spam. You guys are a life saver.actually a time saver. (at the most) and I have a clean useful email box. I was spendingģ0 minutes a day creating new rules in Outlook until I tried your software. I don't usually take time to comment on products, but this one deserves special note. ![]() You have no idea how happy it makes me when I watch MailWasherīouncing those creeps their mail back. I no longer have to deal with anything I don’t want to deal with.īless you. ![]() Since using MailWasher Pro software my stress level when dealing with email has dropped With over 8 million users, 22 languages and featured on both BBC World and CNN you can be confident that using MailWasher is one of the easiest ways to get rid of spam.
![]() ![]() Application management portal: A registration and configuration experience in the Azure portal, along with the other Azure management capabilities.Open-source libraries: Microsoft Authentication Library (MSAL) and support for other standards-compliant libraries.Social or local accounts, by using Azure AD B2C.Personal Microsoft accounts (Skype, Xbox, ).Work or school accounts, provisioned through Azure AD.OAuth 2.0 and OpenID Connect standard-compliant authentication service enabling developers to authenticate several identity types, including:.There are several components that make up the Microsoft identity platform: It authorizes access to your own APIs or Microsoft APIs like Microsoft Graph. Plus, there’s unlimited storage space, and you can add images, videos and audio messages to your album, straight from your email, social media or the Pix Star SNAP app.The Microsoft identity platform helps you build applications your users and customers can sign in to using their Microsoft identities or social accounts. The frame also has a motion sensor to light up as you walk past. It comes with a remote control, so you won’t have to worry about leaving annoying fingerprints on the screen, and there’s an anti-reflective coating to eliminate glare. With its sleek black border, this digital photo frame has the look of a slimline tablet. ![]() Buy now from Bed, Bath & Beyond ($114.99).As you’d expect, you can also send images and videos from your phone, email and social media accounts using the companion app. If you’ve stored photos on a memory card, this could be the frame for you, as it supports SD cards. You can mount it on the wall or place it on its black and white mat to protect your table. With room for over 1,000 photos, this digital smart frame may not have as much memory as other options on our list – but it does have an integrated speaker, as well as a clock and weather report. Plus, you can enjoy 100 famous artworks on your frame and browse 30,000 prints in the Meural app. Images always look smart, thanks to the anti-glare technology and the automatic cropping feature, which makes sure the pictures fill the frame. But it goes one better than others on the market by displaying the time and location of your snaps when you swipe the screen.Īlso, you won’t get smeary fingerprints on the display, as you can control it using gestures. Like all the best digital photo frames, Meural’s model can offer automatic library updates, brightness adjustment and sleep mode when it’s dark. Then, you’ll be able to skip through the images by swiping left and right. The colours always look vibrant and natural, as the screen has an anti-glare layer and automatically adjusts to mirror the level of brightness in the room.Įither mount it on the wall or prop it up on a sideboard or easel in either portrait or landscape mode. In fact, it’s not unlike the Samsung Frame TV, which disguises itself as a beautiful framed artwork when not in use ( find out everything you need to know here).Īs well as showing off your holiday snaps, you’ll be able to choose between hundreds of famous paintings completely free of charge in the app. Thanks to its impressive 21.5-inch screen, this smart gadget from Lenovo looks more like a TV than a photo frame. You’ll be able to send your photos and videos across from social media sites, emails or the Nixplay app. The frame also uses clever software to position people in the middle of the frame and avoid awkward crops. The smart sensor automatically turns on the screen when you walk into the room, and switches it off when there’s no movement. This Nixplay model comes with all the latest technology you’d want in a digital photo frame. You can place it on a table or fix it to the wall, in either portrait or landscape format – it’ll rotate your images automatically to fit the frame. The best digital photo frames to buy today Nixplay Smart Digital Photo FrameĪccording to Nixplay, over 2.5 million people already have this digital photo frame. We’ve rounded up some of the best digital photo frames on the market to save you the research time. WiFi-enabled digital photo frames make fun gifts for friends and family just send across your latest snaps and they can instantly enjoy them in their own homes. Today, these gadgets have evolved to incorporate motion sensors, apps and real-time photo uploads. When digital photo frames first gained popularity several years ago, families across the world enjoyed uploading their holiday snaps and admiring a ready-made slideshow from the comfort of their sofa. 6 digital photo frames for instant image sharing ![]() ![]() “We remain vigilant in our efforts to protect the American public from the sale of these potentially dangerous products.” Ashley, director of the Office of Compliance in the FDA’s Center for Drug Evaluation and Research. Distributing unapproved drugs, disguised as supplements, places the U.S. ![]() “Over the past few years, the FDA has been combatting the retail sale of male enhancement drug products that are frequently misrepresented as dietary supplements and that contain hidden and potentially harmful active drug ingredients. The FDA has received reports of people experiencing chest pain, severe headaches and prolonged erections after taking a Rhino product that led to surgical intervention and hospitalization due to extreme drops in blood pressure. Rhino products include names such as Platinum Rhino 25000, Krazzy Rhino 25000 and Gold Rhino 25000. These products are often sold in single-serving package sizes. ![]() More recently, these unapproved products have been discovered in international mail shipments to the U.S. These products continue to be sold at gas stations and convenience stores, as well as on websites such as eBay and Amazon. ![]() Since 2007, the FDA has identified more than 25 products marketed with variations of the name “Rhino” that contained hidden drug ingredient(s). Food and Drug Administration is warning consumers not to purchase or use Rhino male enhancement products, due to a recent rise in reported health issues. ![]() ![]() With the simple push of a button, you’ll have access to an outdoor living space without the pesky pests that come with outdoor experiences. If you’re searching for exterior shades that allow you to extend your indoor living space, our ZipRite Shade Systems are a perfect option. The ZipRite Shade forces the fabric to be locked into the track at all times, keeping unwanted pests and insects out.
![]() ![]() ![]() GarageBand was one of the first widely available apps to download for free, making music production accessible to everyone. As you may already know, it’s only available on Mac computers, but Windows users can check out our list of free Windows alternatives to Garageband. GarageBand is the clear winner of this roundup, and is one of the best free music apps period. BandLab CakeWalk (Our Pick For PC users).GarageBand by Apple (Our Pick For Apple users).In this article, we cover 6 of the best free MIDI keyboard software solutions available today: If you own an Apple setup, especially one of those powered by the new M1 chips, there’s no denying that GarageBand is the way forward.įor on-the-go functionality, an iPad or iPhone with GarageBand installed can be like having a multi-track studio on the road with you when paired with a mobile interface like a RØDE AI Micro. It has all modern DAW features found on much more expensive packages such as Ableton Live or Pro Logic, but for free! If you’re on PC, we recommend BandLab CakeWalk. What Is The Best Free MIDI Keyboard Software In 2022?įor Apple users, Garageband is hands down the best free MIDI keyboard software out there. So a lot of the best MIDI keyboard software falls into this category. Throughout this guide, you’ll see the term DAW used – this means Digital Audio Workstation and is the software you use to make music on a computer. (If you’re still deciding on your first MIDI keyboard, we’ve got you sorted with our roundup of the Best MIDI Keyboards For Beginners!) What The Heck Is A ‘DAW’? In this article, we take a look at the best free MIDI keyboard software in 2022 for turning those “1’s and 0’s” into music Thankfully, there is an abundance of professional MIDI keyboard software now available for all platforms, as the technology is nearly 40 years old at this point! So you get it set up and plugged in but it doesn’t seem to do anything… Or perhaps you’ve found one hiding in a corner of your studio. Maybe you have just bought your first MIDI keyboard. We look at the best free MIDI keyboard software for all platforms in 2022.What can you do with free MIDI keyboard software?.Learn how to take your productions to the next level with your MIDI keyboard.Disclosure: We may receive commissions when you click our links and make purchases. ![]() ![]() The tool limits the potential for data transition errors and allows more time for talent managers to perform detailed analysis of their population. Studies show that aligning strengths to assignments improves organizational and individual performance and increases Soldier satisfaction.Īdditionally, implementation of the AR-SAP will save each talent manager approximately 80 work hours per year in data transfer, validation, and analysis. The result is a refined process to find the right Soldier for the right position at the right time. In addition, AR-SAP uses concepts found within the strength-based talent management theory, which allows talent managers to consider Soldier strengths when slating officers to positions. The AR-SAP method creates conditions that lead to better outcomes for Soldiers and Families compared to past reassignment practices.ĪR-SAP allows talent managers to identify the diversity in talent that exists and apply it across various positions. Soldiers using the AR-SAP can now expand on areas not covered in their record brief and the old DA 4187 process, and can also highlight areas that are not easily identifiable, but make them unique. This did not exist in the past as talent managers traditionally relied only on information located in the officer's official record.Ī. Second, it captures the diverse array of talent that exists through the self-professing of KSBs, which can influence the slating process as talent managers align Soldier strengths to requirements. First, the AR-SAP consolidates assignment consideration information into an easy to use automated platform. The AR-SAP integrates talent management initiatives outlined in the Army People Strategy 2019, which acknowledges that people are the Army's No. How is this method of talent management different than how Soldiers were assigned to positions in the past?Ī. Soldiers are able to practice developing their KSBs, which they will import in the future IPPS-A marketplace platform. For that reason, Soldiers will not be able to communicate with commanders of units. It does not include a position marketplace like AIM. It shares similarities in the KSB domain, meaning that officers can self-profess their KSBs to inform assignment decisions. Once AR-SAP's success is validated, it may expand to include all AGR Soldiers.Ī. AR-SAP is being rolled out to only the officer and warrant officer populations for the 22-01 distribution cycle, with movements occurring between October 2021 and March 2022. The AR-SAP takes a people-first approach and acknowledges that people are our No. Talent managers will use this information, in addition to the traditional information that they have relied on in the past, to develop a multi-layered understanding of each Soldier and their family in an effort to find the right Soldier for the right position at the right time. ![]() Under the AR-SAP system, Soldiers can expand on KSBs not covered in their Soldier Record Briefs or highlight areas that are not easily identifiable in their professional file. AR-SAP provides Soldiers the opportunity to self-profess their knowledge, skills, behaviors, and preferences - a feature that will be available in IPPS-A. The AR-SAP provides AGR Soldiers the ability to communicate and highlight relevant information about upcoming Permanent Change of Station movement concerns on a digital platform that is more detailed and more efficient than the standard, constrained DA 4187 process. ![]() It is an intake tool to train Soldiers on how to use automation in advance of the release of Integrated Personnel and Pay System-Army in December 2021.ĪR-SAP is not a marketplace. What is AR-SAP? Is it a talent management marketplace for AGR Soldiers?Ī. Anthony Smith, talent managers for RPMD, to discuss the details of AR-SAP, how it works, and how it will benefit the AGR population of 3500 Officers. Army Human Resources Command, and director, Reserve Personnel Management Directorate, in coordination with the HRC’s commanding general, approved the talent management platform following the completion of a January pilot program. Kris Belanger, deputy commanding general, U.S. The Army Reserve – Soldier Assignment Profile is now open to all AGR officers conducting a PCS during the 22-01 distribution cycle from October 2021 to March 2022. ![]() ![]() ![]() The tmux protocol commands will be written to the screen. ![]() If you want to report a bug, press L and reproduce the issue.You may need to run "stty sane" to restore your terminal's state if the tmux client did crash. Press "X" to force iTerm2 to exit tmux mode. If you press esc and nothing happens, then the tmux client may have crashed or something else has gone wrong.If you press esc, the tmux windows will close and the tmux client will exit.When you run tmux -CC, what you'll see on that terminal is a menu: In practice, this means running one of these commands: Just add the -CC argument to its invocation. You should be able to use tmux as always. Collaborate with another user by having two people attach to the same tmux session.No more anxiety about letting System Update reboot!.Restore the environment you had at work when you get home.A few use cases come to mind:įor users who do most of their work in ssh: You can return to the host you were ssh'ed into and run "tmux -CC attach" and the iTerm2 windows will reopen in the same state they were in before. The difference is that when iTerm2 quits or the ssh session is lost, tmux keeps running. An iTerm2 window opens and it acts like a normal iTerm2 window. When you run "tmux -CC", a new tmux session is created. ITerm2's tmux integration solves these problems. Also, tmux's find feature isn't as good as iTerm2's.įor many users, a terminal multiplexer would be a great way to work, but they don't want to accept the drawbacks. Some built-in features of your terminal emulator don't work as well as they would if you weren't using tmux: for instance, you can't access tmux's scrollback history as easily or quickly as you can in a normal terminal window.To adjust split panes, you have to enable mouse reporting, even if you don't want it otherwise.You have to ssh to the remote host more than once to get more than one view of your tmux session's window.Some keystroke must be dedicated to tmux to enter its command mode (^B, by default, which means moving the cursor to the left in emacs or an interactive shell becomes more difficult).You can manipulate the environment by issuing commands to tmux. Normally, when you use tmux, multiple virtual windows are displayed in a single "physical" window. ITerm2 is integrated with tmux, allowing you to enjoy a native user interface with all the benefits of tmux's persistence. ![]() |
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