![]() Insert all your necessary inputs carefully and choose the available dropdowns properly.Read More: Mortgage Repayment Calculator with Offset Account and Extra Payments in Excelīi-Weekly Mortgage Calculator with Extra Payments Tips Template 1: Biweekly Mortgage Calculator with Extra payments So, this payment is a bit more than the equivalent bi-weekly payment. Then, the monthly due payment is divided by two to get the accelerated bi-weekly payment. So, to calculate accelerated biweekly payment, monthly payment is calculated with monthly interest rate and all necessary calculations based on monthly payment frequency. ![]() But in this case, it is assumed that every month consists of four weeks. What Is Accelerated Bi-weekly Payment?Īccelerated Biweekly payment is a lot like bi-weekly payment as it is also done every two weeks. Both of these extra payments will help him to pay off his loan earlier than the initial deadline which will save him some extra interest. In irregular payments, he might pay any amount from his remaining balance at any period. In this regard, he might make extra regular payments or irregular payments.įor regular payments, he will pay a certain amount after a certain period along with his primarily fixed due payment. Then he might try for an early settlement of his loan, that is he might finish the loan within 25 years by making some extra payments. Now, the borrower somehow may earn more than before when repaying his loan. Now, if someone takes a loan for 30 years in bi-weekly payment frequency, he has to pay his due payment for (26*30)=780 times to repay the loan where both principal and accrued interest will be deducted accordingly every time. So, the lender will pay 26 times in a year when repaying his loan. ![]() That is, the borrower will have to pay his due payment every two weeks. Related Excel Templates What Is Bi-Weekly Mortgage Calculator with Extra Payments?īiweekly Mortgage Calculator is an Amortization Schedule where the payment is done bi-weekly. This template will be of essential use for Financial planners, Investors, Bankers, Business Owners, and all kinds of Lenders and Borrowers who are looking forward to taking or giving a loan. Besides, the borrower can make some extra payments sometimes for an early settlement and the borrower can follow an Accelerated Bi-weekly payment approach to repay the loan a little bit quicker.ĭownload our free Excel template where you will get a Bi-weekly Mortgage Calculator with extra payments and an Accelerated Bi-weekly Mortgage calculator. When the payment frequency is Bi-weekly, that is, the borrower pays his due payment every two weeks, this mortgage calculator is called Biweekly Mortgage Calculator. A mortgage calculator can be of several types based on payment frequencies, such as Weekly, Bi-weekly, Monthly, Quarterly, or yearly type. The borrower can visualize his interest paid, principal paid, and the remaining balance after each payment from this calculator. Get FREE Advanced Excel Exercises with Solutions!Ī mortgage calculator is an important tool for borrowers to repay their remaining loan. ![]()
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![]() The kids really loved this story.Īfter reading and discussing the short story, students answered the questions: What kind of family does Papa have? How do you know? in the writing section of their reader's notebooks. As students read, have them reference and make connections to the anchor chart you’ve chosen to use in class. His pants end up way too short! Then the family works together and makes the pants into shorts. Idea 2: Use a elements anchor chart as students read stories. Eventually his family feels guilty and each one of them hems his pants without the others knowing. Story Elements Anchor Charts - Sloth-Themed Posters Teach Starter. Everyone in his family is too busy to help him hem his pants. ![]() English Language Arts, Reading, Literature. I found the story on In this story, Papa buys a pair of pants that need hemming. Story Elements Anchor Chart- Theme Included by MissCamposs TPT. It is a great way to continuously teach and review genres.įor this lesson, I used the folktale "Papa's New Pants" from an old edition of Highlights magazine. ![]() This also gave us a chance to discuss the genre and add a tally mark to our genre tally list! Beth Newingham has a great "genre overview" handout and "genre tally sheet." ( ) My students and I add a tally mark for everything that we read. ![]() Enhance your understanding of plot, characters, setting, and more to become a better storyteller. They usually have very clear problems, solutions, and themes. Learn about the essential elements of a story with our informative anchor chart. Folktales are one of my favorite genres for teaching story elements. ![]() ![]() Simply enter the URLs of multiple YouTube videos into the website, and it will generate MP3 files for all of them at once. 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GenYoutube offers downloads of YouTube videos in mp4, webm, m4a, 3gp, and 3D, in resolutions ranging from mobile-friendly to HDTV. GenYouTube is a YouTube video downloader that enables the downloading of high-definition (4K) videos and high-definition audio files. If you are unable to download videos to your PC directly, please follow the guidelines below:ġ: Select the format you want and click "Download" button.Ģ: In new window, press "CTRL + S" to save video OR right click to mp3, then select "Save as Audio". How to download youtube videos to mp3 & mp4 quickly? 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Royalty-free motion backgrounds, effects, and video footage for Camtasia. ![]() ![]() This is because many breeds (notably Dalmatians) are prone to congenital deafness, and testing before breeding helps limit passing this trait on to future generations. However, breeders commonly use it to check their dogs' hearing before breeding. The feedback provides a waveform that gives a highly accurate assessment of the dog's hearing loss.īAER testing is not widely used for household pets because more simplistic tests quickly reveal hearing loss. This is a diagnostic test in which the dog is fitted with headphones and electrodes to read the dog's brain response to several clicks that target each ear. BAER TESTINGĪsk your veterinarian for a BAER (Brainstem Auditory Evoked Response) if you want conclusive evidence. ![]() You want to determine if your dog is entirely deaf or partially deaf therefore, it's wise to try several sound ranges. Then, gradually increase the level of the sound you make. Try not to startle them, as dogs don't respond well to that. First, pick a moment when your dog is not looking at you and cannot feel any vibrations (like you walking towards them on the floor) and then make a noise behind them. ![]() If you suspect your dog might be deaf, there is an easy way to test this to make sure. TRY THIS SIMPLE TEST TO SEE IF YOUR DOG IS DEAF When your dogs can see you, they tend to be able to understand a lot of things you are trying to say, so sometimes it might take a little time to figure out that your dog is deaf. Other ways are ringing the doorbell, squeaking a toy, or clapping your hands. If your pup has stopped responding when you're calling them or pouring food into their bowl, it might signify that they are at least partially deaf. □ □ Don't miss out! Sign up for the 100% free online video training course 30 Day Perfect Pup. Here are the main ways to know if a dog is deaf: Let's look at ways to identify if your dog is deaf or might be going deaf. And dogs can also go deaf due to trauma to the ear or chronic ear infections. Most deafness occurs as a result of old age. There are several causes of deafness in dogs. If you're reading this article, it could be that you just got a new dog or pup that appears to be deaf or that the dog you already have is now showing behavior that suggests hearing loss. ![]() ![]() If your dog has suffered a hearing loss or you have rescued a new dog or puppy with hearing loss, we'll explore various communication methods and techniques to help you with your pup. To communicate with a deaf dog, you can use hand signals, the rump tap, or the leash signal. However, deaf dogs can have equally productive and enjoyable lives as those who can hear, and it only requires a limited amount of modifications on the parent's part. Moreover, when properly stimulated, deaf dogs can develop a better sense of sight and smell, compensating to some extent for their hearing loss.Ĭommunicating with a deaf dog might sound complicated and overwhelming, and because of this, sadly, many deaf dogs are euthanized at birth. In addition to their keen sense of smell, good eyesight, and other skills, dogs have complex and varied body language, including many postures, actions, and facial expressions. We show you how in this comprehensive guide.ĭeafness in dogs does not limit their cognitive, emotional, or social abilities. Communicating with and training a deaf dog shouldn't be any more complicated than with a hearing dog. Learning how to train a deaf dog is key to giving them the best life possible!Īnd to ensure he feels fulfilled and connected while always staying safe, you need to provide him with basic training that's easy for him to understand and respond to. Whether you Sign up here! r dog has lost his hearing due to age or illness or was simply born without this particular sense, he deserves to live his best life. ![]() ![]() ![]() Thus, the APA (2013) asserts in the DSM-5 that malingering should be suspected in evaluations in medical-legal contexts. The conclusions of forensic reports have legal consequences that may prompt to those being evaluated to fake their symptomology. Whereas malingering is undoubtedly of interest for clinical practice, its assessment and control are indispensable mandatory requirements in forensic contexts ( Arce, Fariña, & Vilariño, 2015). This phenomenon conditions psychological practice and must be controlled owing to the high socio-health costs involved ( Chafetz & Underhill, 2013), as well as having serious legal implications in forensic evaluations, e.g., a guilty verdict for an innocent defendant ( Fariña, Arce, Vilariño, & Novo, 2014). The global prevalence of malingering is estimated to range from 10 to 20%, with a 15 ± 15% ratio for clinical contexts, and 40 ± 10% for forensic settings ( Young, 2015). In the field of mental health, this translates into the reporting of psychiatric symptoms, cognitive disorders, and a combination of both ( Pierson & Rosenfeld, 2015). Malingering is defined by the American Psychiatric Association -APA (2013) as “the intentional production of physical or psychological symptoms disproportionate or false, motivated by external incentives …” (p. Se discuten las implicaciones para la práctica forense de los resultados. Además, los resultados evidenciaron validez incrementada de F-r sobre Fp-r y viceversa. En la clasificación de casos, las escalas F-r, Fp-r, FBS-r, Fs y RBS clasificaban correcta y significativamente entre simuladores y respuestas honestas de la población general, y las escalas F-r and Fp-r entre simuladores y población clínica. Los resultados mostraron que los simuladores puntuaban significativamente más alto que los sujetos de las poblaciones general y clínica en las escalas F-r, Fp-r, FBS-r, Fs y RBS. Participaron en el estudio 878 sujetos, 309 de la población general, 308 casos clínicos y 261 instruidos para simular daño psicológico. Se utilizó un diseño de investigación de simulación para evaluar la eficacia de las escalas de validez de evaluación de la simulación en la discriminación entre simuladores y las poblaciones general y clínica en el contexto forense. Forensic practical implications from the results were derived and discussed.Īunque el MMPI-2 ha sido el instrumento psicométrico más usado en la evaluación forense, está siendo reemplazado gradualmente por la versión reestructurada, el MMPI-2-RF precisándose de más evidencia científica para ello. Thus, F-r and Fp-r scales are independent and may be accumulated to detect malingering. ![]() Additionally, the results showed F-r incremental validity over Fp-r, and vice versa. As for the classification of cases, the F-r, Fp-r, FBS-r, Fs, and RBS scales classified correctly and significantly between malingerers and honest respondents from the general population, and the F-r and Fp-r scales between malingerers and clinical population. The results showed that malingerers scored significantly higher than the clinical and general population on the F-r, Fp-r, FBS-r, Fs and RBS scales. Of a total of 878 subjects, 309 were from the general population, 308 from the clinical population, and 261 were instructed to malinger a psychological injury. A malingering design was implemented to assess the efficacy of the overreporting validity scales in discriminating between a group of malingerers and the general and clinical populations in a forensic context. Though it has been the most extensively used instrument for forensic evaluation, the MMPI-2 is being gradually replaced by the MMPI-2-RF version, requiring evidence research to support it. ![]() ![]() ![]() Is converted into a different form of energy.Ģ. Reversible gas compressor/expander operating as an expander, such that an Reversible compressor/expander operates as an expander to receive compressedĬompressed gas storage unit, such that an input pneumatic energy is convertedĪ heat engine mode wherein the first reversible gas compressor/expanderĬompressor to flow compressed gas through the counter-flow heat exchanger to Reversible compressor/expander operates as a compressor to flow compressed gasĬompressed gas storage unit, such that an input energy is converted intoĪn energy recovery mode wherein the first reversible gas compressor/expanderĪs an expander to receive compressed gas from the compressed gas storage unit, Selectively operable in one of the following modes:Īn energy storage mode wherein the first reversible gas compressor/expanderĪ compressor to flow compressed gas to the compressed gas storage unit, and The first reversible gas compressor/expander, the second reversible gasĬompressed gas storage unit, and a counter-flow heat exchanger, the network of Providing a network of gas conduits and valves allowing selective fluid Providing a second reversible gas compressor/expander configured to effect gas-Įxchange with gas being compressed or expanding within a second chamber and Providing a first reversible gas compressor/expander configured to effect gas-Įxchange with gas being compressed or expanding within a first chamber Un ensemble soupape approprié permet à l'air d'entrer dans la cellule de pression et le dispositif de type cylindre, le cas échéant, et d'en sortir, par commande électronique. Dans certains modes de réalisation, la cuve sous pression communique avec un ou plusieurs dispositifs de type cylindre pour l'échange d'air et de liquide avec la ou les chambres de cylindre de ces derniers. Dans certains modes de réalisation, le dispositif de compression-expansion comprend un ou plusieurs étages, chaque étage consistant en une cuve sous pression (cellule de pression) partiellement remplie d'eau ou d'un autre liquide. Le dispositif de compression-expansion d'air réversible utilise la puissance mécanique pour comprimer l'air (lorsqu'il est utilisé en tant que dispositif de compression) et convertit l'énergie stockée dans l'air comprimé en puissance mécanique (lorsqu'il est utilisé en tant que dispositif d'expansion). Un système de stockage d'énergie à air comprimé selon des modes de réalisation de la présente invention comprend un mécanisme réversible de compression et d'expansion de l'air, un ou plusieurs réservoirs de stockage d'air comprimé, un système de commande, un ou plusieurs échangeurs de chaleur, et, dans certains modes de réalisation de l'invention, un moteur-générateur. Suitable valving allows air to enter and leave the pressure cell and cylinder device, if present, under electronic control. In some embodiments, the pressure vessel communicates with one or more cylinder devices to exchange air and liquid with the cylinder chamber(s) thereof. In certain embodiments, the compressor-expander comprises one or more stages, each stage consisting of pressure vessel (the pressure cell) partially filled with water or other liquid. ![]() The reversible air compressor-expander uses mechanical power to compress air (when acting as a compressor) and converts the energy stored in compressed air to mechanical power (when acting as an expander). A compressed-air energy storage system according to embodiments of the present invention comprises a reversible mechanism to compress and expand air, one or more compressed air storage tanks, a control system, one or more heat exchangers, and, in certain embodiments of the invention, a motor-generator. ![]() |
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