![]() ![]() ✔ Easy news feed setup for popular finance websites (Pro Required for multiple news sources) ✔ Read articles in integrated browser or long press for external browser. Avoid jumping between finance websites to find all the news on your investments! ✔ Single list Multi news feed consolidation. ✔ Customize News Sources RSS/Atom address templates. ✔ NewsCharts lets you to visualize news volume over time to spot correlations with price changes! + Price History: 52 week range and % change. + Ratios/Other: PE, Price/Sales, PEG, Book Value, EPS, EBITDA, Short Ratio + Dividends: Per share, Yield, Ex Dividend, Pay Date ✔ Integrated Stats & fundamental stock data: ✔ If stock price changes more than ☒% quote shows a darker green or red or green background. ✔ Symbol List Company Logos help you quickly spot the stock you’re looking for. ✔ Full Screen Charts and Browser: Instantly toggle to full screen for charting or reading news articles about your stocks. Setup a link template once for your whole portfolio. ✔ Time Saving Links: Organizes web links related to your stocks for quick investment research. ✔ Real time Intraday Charts: In stocks list & symbol details. ✔ Sortable symbol lists: Sort by ticker symbol or stock price percentage change. ✔ Symbol Groups: Custom named watchlists to help organize the stocks in your portfolio. ✔ Technical Indicators: Candle Stick Charts, SMA, EMA, Bollinger Bands and Parabolic SAR ✔ Landscape Mode: Beautiful and clear full screen stock charts & news. ✔ The up/down ticks in live real time stock quote prices are highlighted in green/red. ✔ Crypto currencies including Bitcoin, Ethereum & Litecoin (BTC, ETH, LTC, BCH, etc.) ✔ Forex market tracking including Dollars, Euros, Pounds, Japanese Yen (EUR, CAD, JPY, GBP, etc.) ✔ Real time quotes and volume from major exchanges: NASDAQ, NYSE, AMEX, London, Germany, Italy, Taiwan. ✔ Works for stocks & ETFs from tons of stock exchanges around the world! ✔ NEW: Track portfolio value and trades across all of your devices. Please Note: A "Pro" subscription is required to unlock all of StockSpy features! Your subscription helps fund StockSpy's operation costs and development of even more awesome new features! IT IS NOT INTENDED FOR PERFORMING FULL TECHNICAL ANALYSIS. StockSpy allows you to SEE how the news affects stock prices with NewsCharts! StockSpy - A slick app which simplifies tracking stocks, stock market, realtime quotes, charts, news, links & stats for stocks around the globe. ✔ StockSpy keeps getting more awesome with great new upgrades! ![]() ★ Tons of FREE features Phone + TABLET! ★
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![]() Ms Gasparova was also ordered to pay £5,000 in costs to essDOCS following her failure to comply in time with parts of the tribunal procedures. “Ms Gasparova interpreted entirely innocent work-related conduct, some of it accidental, by Mr Goulandris as having a sinister intent.” “She demonstrated a tendency to make extraordinary allegations without evidence and she contradicted herself in a way that could not be attributable to a fallible memory. Employment Judge Emma Burns said: "Our primary reasons for rejecting her account of events were that we considered her perception of everyday events was skewed. In April 2021, she submitted a detailed grievance claim, in which all of her sexual harassment allegations were dismissed. She appealed in May 2021 but it was again rejected so she resigned. ![]() The tribunal heard she interpreted the Xs as meaning kisses, the Ys as sexual contact of some kind and the question marks as when she would be “ready to engage in sexual acts”'. To indicate what details he required her to fill in he used XX, YY and ? in the message, written in red. The panel heard later that month that Mr Goulandris had emailed Ms Gasparova asking for information on a project. Ms Gasparova interpreted this as having been asked “the exact date when I would finally agree on sexual contact with him”. The same month, when Mr Goulandris asked her when a project would be finished, she told the tribunal he burst out shouting with an “extremely angry voice”, saying “I need date, date, date”. Included in a string of claims which were dismissed by the panel, Ms Gasparova interpreted Mr Goulandris renaming a draft presentation file with his initials “AJG” in brackets as standing for “A Jumbo Genital”. The panel ruled this meant her case “rested on interpreting seemingly innocent interactions” between Mr Goulandris and herself and “finding a sinister motive in them”. Ms Gasparova told the panel Mr Goulandris was a “rich and powerful man” and therefore his conduct had not been “overt” as “a man in his position would be too clever” to make obvious moves. ![]() She claimed this included shouting at her, undermining her in meetings with clients and removing key elements of work from her, but the panel rejected these claims. The panel heard Ms Gasparova told bosses she thought he wanted to have a sexual relationship with her, but was treating her badly because she had “rejected his advances”. The tribunal, held in central London, heard she started working at essDOCS, which is based in the capital, as an IT project manager in November 2019 under Mr Goulandris, the co-head and former chief executive. But now a judge has thrown out her case, ruling that she has a “skewed perception of everyday events” and regularly misinterpreted “innocuous” interactions. Ms Gasparova took her employer, the paperless documents firm essDOCS, to the tribunal claiming sexual harassment. In a number of other innocent work-related incidents where she would find a “sinister motive”, Ms Gasparova thought his renaming a file with his initials AJG was an acronym for A Jumbo Genital. Karina Gasparova, a project manager, also claimed Aleksander Goulandris’s use of question marks in the same message were code for asking her when she would be “ready to engage in sexual acts”. Pull requests and stars are always welcome.įor bugs and feature requests, please create an issue.An IT worker sued for sexual harassment after her “rich and powerful” male boss marked parts of an email where he wanted more information with “xx”, which she thought were kisses. Install devDependencies and Run npm test: npm test safe-marked has two type of entry point.īrowser entrypoint does not includes jsdom. ` ) FAQ Does safe-marked always include jsdom? strictEqual ( html, `Header This is () text. Are you Marked Safe Join friends Brianne and Melanie as they come together to share some of the worlds most incredible disaster stories and delve into the. Import ) const html = markdown ( `# Header This is () text. Learning about a new up and coming Adobe Product.Ĭrafting a design with Adobe Dimension re-using assets from Photoshop and Illustrator.Ĭreating 3D Design in and inserting it in an environment. Meet a group of Adobe experts and enthusiasts. ![]() Crafting a design with Adobe Dimension re-using assets from. If you've taken a few of my other courses where I talk a little bit about adobe dimensions and you already know the basics, feel free to skip the next 20 minutes. Learning the Basics: so welcome to adobe dimensions. The dimension item 'Unspecified' includes all international traffic outside of the United States. By the end were to learn some very basic stuff with dimensions, So let's get started 2. Example values include 'California', 'Texas', or 'Virginia'. Dimension items include regions and the country that the region resides in. Learning about a new up and coming Adobe Product. The ‘US state’ dimension reports the state of the visitor in the United States of America. Learn tips and tricks to immediately be more productive creating a great 3D experience.Ħ:50- 7:10: General Assembly: Introduction to classes and overviewħ:10 - 8:00: Workflow with Adobe Dimension by Chana Messer and an Adobe EvangelistĨ:15 - 8:30: Raffle, Networking Takeaways Meet a group of Adobe experts and enthusiasts. Use the tutorials for Dimensions below to develop 3.4 Complex Skills. In this session, we will show you how to design graphics in Adobe Illustrator and Adobe Photoshop and prototype a complete experience using Adobe Dimension. Apply them to 3D models with Adobe Dimensions to light & composite to refine them. With Adobe Dimension, graphic designers can compose, adjust, and render photorealistic images - all in the same app. Adobe Dimension is a 3D rendering and design software that lets you create product mockups, brand visualizations, packaging designs, and more with easy 3D tools. Prototyping matters for experience designer and graphics designers. Links in the description are typically affiliate links that help support the channel, and as an Amazon Associate I earn from qualifying purchases.Experience matters. Start a free trial for any Creative Cloud app and support the channel. □ Get CREATIVE with Adobe’s Awesome Apps Get 30 days of a free Personal or Commercial Plan by following my link! □ The MUSIC in my videos is from Epidemic Sound □ Download UNLIMITED Assets for Designersįollow my link for access to 1,000,000+ stock photos, videos, illustrations, mockups, UI kits, textures, effects, fonts, brushes and more! □ The DAN SANS font is now available on my store. Learn the basics, or refine your skills with tutorials designed to inspire. Ranging from beginner to advanced, these tutorials provide basics, new features, plus tips and techniques. Finally, apply a base colour of your choice and adjust the lighting intensity and direction from the ‘Environment Light’ layer in the ‘Scene’ panel before rendering out the final 3D mockup. Browse the latest Adobe Dimension tutorials, video tutorials, hands-on projects, and more. Alternatively, you can simply select the ‘Matte’ material and drag it on to your 3D model in the scene. You can remove any existing textures for Colour, Opacity, Roughness, Metallic, Glow and Normal by opening up the different panels respectively and clicking the ‘Remove File’ icon. This tutorial starts by importing your 3D model and adding it into the scene. Introducing Adobe Dimension Exploring Design Mode Changing Your View of The Scene: Working with The Camera Exploring Render Mode Finding 3D Models and Using. If you're new to Adobe Dimension, you'll learn the fundamental concepts and features that you'll. The clay surface effect can be applied to any 3D model in Adobe Dimension, whether it’s from the ‘Starter Assets’ list, or a 3D model you have downloaded from Adobe Stock or other third party site. The lessons are designed to let you learn at your own pace. ![]() This Adobe Dimension tutorial will teach you how to mockup 3D models with a clay surface effect. The following lists only times when they fall asleep through an attack. In the Anime, Pokémon and People often fall asleep, though not always with an effect. When it is asleep, the card is turned counterclockwise. Every turn, the trainer must flip a coin. When Sleeping, it cannot attack or retreat. In the Card Game, there are five status effects that mimic common ones from the games. Since both games follow the Trading Card Game rulings, the Pokémon can fall asleep. The final is Sleepless, which prevents any of the former from occurring. The next is Yawning, where it causes Asleep in three turns. The next is Nightmare, where you cannot attack for 4 to 7 turns, and once you awake, it takes 8 HP. The next is Napping, which is just like Asleep, but once you awaken, all other status effects are healed. The first is Asleep, where the Pokémon cannot act for 3 to 6 turns (Its randomly changes). In the Mystery Dungeon series, there are many versions of Sleeping. Side Games Pokémon Mystery Dungeon series The Pokémon in question cannot make any moves during this duration of Sleep. Sleep lasts for 1 to 5 turns (Its randomly chosen). A Pokémon can make a move the turn they wake up now. Sleep is exactly the same as Pokémon Stadium, save for one change. ![]() Pokémon cannot make a move the turn they wake up. ![]() Sleep lasts for 1 to 3 turns (Its randomly chosen). In Pokémon XD: Gale of Darkness, you can use the "Call" button to awake a sleeping Pokémon. It can also, however, cause Poisoning or Paralysis.ĭisobedient Pokémon will fall asleep sometimes. Rest - Makes the User fall asleep and heals all status effects.Įffect Spore - Has a 10% chance of causing Sleep.GrassWhistle - Causes Sleep on contact.Secret Power - Has a 30% chance that causes Sleep in Tall Grass or Very Tall Grass.Relic Song - Has a 10% chance of falling Asleep.Generation VI Generation VII Causes Moves ![]() The Pokémon's sleep counter will reset when switched out.Ī "Z" will fly from the mouth of the asleep Pokémon while sleeping, and its eyes will close. In Generation V, Sleep lasts 1 to 3 turns. In the Japanese edition of Pokémon Diamond and Pearl, the minimum and maximum Sleep counter is raised by 1 (2 to 6 turns). In Generation IV, Sleep lasts 1 to 5 turns. In Generation III, Sleep lasts 1 to 4 turns.Ī Z will fly from the mouth of the asleep Pokémon while sleeping. One Z will flash over the Sleeping Pokémon while asleep. In Generation II, Sleep lasts 1 to 5 turns. In addition, Pokemon began the "two-game" trend where two versions of a game would release and include different Pokemon/features between the versions, encouraging players to meet up with others and trade so they could "catch 'em all.Pokemon Brilliant Diamond / Shining Pearl Review Pokemon spans several massive properties, from a long-running animated series to a successful trading card game, to the medium that started it all, video games. They head out on extensive journeys across their continents to raise their Pokemon with the ultimate goal of competing in tournaments to become the champion. Humans who catch, raise, and battle the creatures are known as Pokemon Trainers. ![]() Conceptualized by Satoshi Tajiri in association with Ken Sugimori and Junichi Masuda, Pokemon is set in fictional worlds where people live together with tamable creatures known as Pokemon. Spanning over twenty-five years, Pokemon, known as Pocket Monsters in Japan, is the multimedia franchise created jointly by Nintendo, Game Freak, and Creatures. ![]() ![]() Just a few verses later, Jesus would tell us to love our enemies and do good to those who mistreat us (Matthew 5:44). (Matthew 5:38-39)įriend, if you and I are going to be followers of Jesus, then we cannot look for the opportunity to get back at someone, to take vengeance for ourselves. But whoever slaps you on your right cheek, turn the other to him also. You have heard that it was said, ‘An eye for an eye and a tooth for a tooth.’ But I tell you not to resist an evil person. Not only that, but earlier in this same context, Jesus addressed the “eye for eye” idea. We are not to treat people how they have mistreated us, but we are to treat them how we would like to be treated. …whatever you want men to do to you, do also to them, for this is the Law and the Prophets. My guess is most people are not familiar with all 3 verses, but likely just the first portion of verse 24, “eye for eye.” Some will cite this text to justify doing unto others what has been done unto them which is a perversion of what is commonly called the golden rule. …you shall give life for life, eye for eye, tooth for tooth, hand for hand, foot for foot, burn for burn, wound for wound, stripe for stripe. It is called by some “the law of retaliation.” The Bible says, Many are familiar with a Bible phrase that would seem to justify such behavior. It matters not what we call it: getting even, or payback, or retribution, or tit for tat the end result is always the same-someone did something nasty to me, so I’m going to do something nasty to them. When verbalized, it often comes out like this: “He’ll get his,” or “He’s gonna get what’s coming to him,” or “Vengeance is sweet,” or a variety of other sayings, some which are unfit to repeat. The one who was wronged may articulate it clear and concise or may simply reserve the thought in his heart. Someone does something nasty to another-what it is doesn’t matter, the same reaction will result whether it is serious or frivolous. The scenario plays out every day, potentially millions of times every day. ![]() He remembers chilling with his girl's man coming in and him having to act fast and chop him, and later fighting with a supposed friend who ended up backing down. However, he continues to grind and rise through the ranks despite the setbacks. Morray then talks about getting involved in quick licks to make money, intercepting a stolen item but getting caught, and feeling like he missed his chance to build a better life. He went through challenging times such as packing on the pounds, having issues in the streets, struggling with poverty, losing his opportunity due to recklessness, and being tempted to kill someone but ending up missing the chance. He talks about standing with a kickstand and thinking of a plan to get rich quick, falling in deep with the quicksand, and flagging out his ass with no branded clothing. Morray's song "Quicksand" is a rap about his journey to success, which begins from a young age. The reason I'm popping is all of the hate I'm stagnant, a magnet, I'm staying in place I want it, I'm on it, it's mine for the take I'm hungry, I'm eating right off of ya plate I'm whacking the weeds, cutting heads off of snakes My homies the only who come past the gate The phonies, jabronies, the ops or the jakes Made em' run, it was funny, he was scared of the gun sound KD on the bench equipped with the Tre Pounds Had enough, it was tough, only lasted about one round His hands in my life now they ended up flat nowįlat like a wing, let's see if he flap now Had em' standing up then he ended up back down ![]() ![]() Give respect, neck to neck, my nigga didn't back down Throwing up both of our sets, which ended the friendship Her nigga came through, he was all on some bitch shitĭidn't know I was raw and my hands was so giftedīoy had me chop, had to get him a mix quickĬouple knots made him drop like he drunk or he liftedįought another nigga after I thought was some kinship 'Bout to fuck, 'bout to nut, main course with the fixings I remember chillin' at one of my little bitch crib I'm planted, I'm stable, I'm growing in roots Stepping on necks with my Timberland boots Resemble young Steele 'cause I got the juice Got scars and bruises, man, I got the proof Too sore from a war where I couldn't lose Two doors what I floor if I hop in the coup My opportunity was knocking and I missed it He was the target but he lucky that I missed it Never killed, ain't gon' lie, I was tempted In the snow, pitching, woah bitch, it was brick dick Interceptions I was stealing caught me a pick six Then my nigga, Bobby, put me on a quick lick Then I said, "Fuck it" 'cause something gon' have to shake dog No jacket in the winter, had the shakes dog I was packing on the pounds, got my weight upīetty Crocker showed me how to bake a cake, brahĭoing that put everything I love at stake, brahīack in the day man, a nigga had rip jeansĬouldn't afford a new pair, I had broke seamsĬouldn't think about the money, I had broke dreamsĬlothes falling off my ass, lost weight dog
apparently your team can be "too good" so you need to keep it under a certain threshold for best results. ![]() Took about 20 mins" EDIT2: highly recommend you check out this reply by /u/Sea_Sun_8410 on another thread about PES. Agüero) and then skip steps 12 and 13 (and ignore any subsequent mention of Maradona). Monthly eFootball PES 2021 (on cloud) Win 1 m圜lub ranked match: I recall this one being a beyotch last time it came up a year ago, fortunately there is a great /u/Whacksurfgaming guide you can find here. EDIT: if you've never played before and are concernd about avoiding achivements such as 'put on a mask' see this comment Personally I found it harder to die on the easiest difficulty (called "Hard") but if you launch Jewelry Store on "Very Hard" or above it should be easy to just die after getting 2 kills (thanks /u/Junk-Punch and /u/PCMasterCucks). EDIT: you can also just die/fail and it will count. Once you hit the required # bags it will open up the Escape, just stand next to the van for a few seconds. You need to carry a # of bags to the van then use LB to toss bag into the back. It's when you have to hold RB to pick up a single item that's a "bag". When you go in the Jewelry store the stuff you pick up by tapping RB is just extra. For those of you who aren't really players: This game supports hot-joining if you don't want that happening turn off the setting called "allow drop-in" before you Accept. Jewelry Store is the quickest/easiest one (thanks /u/Yaboijuicyj and /u/Dr_Panda). ![]() shouldn't be that hard but (now confirmed) you must either complete the level or die/fail after getting 2 kills for the Quest to pop. Monthly Payday 2 (not on Cloud) get 2 kills: not a previous quest. comment your tips & suggestions I'll be updating this thread actively for a couple days. Happy November folks! Time for a new monthly & week 1 GP quests thread. Thank you for being a part of this community! ![]() You understand that you may be banned form the Microsoft Rewards program if you use them or link to them. However, using them is a violation of Microsoft's TOS. Posting bots and/or scripts that aid in gathering points on this subreddit is allowed.You should know: Ignorance is not an excuse for breaking the rules. ![]() Examples include but are not limited to posts showing how you "lost your day streak" or "got a day streak" because of whatever reason. You are not allowed to post any "RIP MY STREAK"/"LOOK AT MY DAY STREAK!!!" or similar posts. If the content you created breaks any subreddit rules, it may be removed without warning (this includes breaking Rule #3 by having referral links/codes in the description of your video)! If you abuse this privilege, expect your content to be removed. Peddling any content you created yourself is allowed to an extent. Read the FAQ/Living Sticky before posting! Posting questions that are answered in the FAQ or the Living Sticky will get your post removed.īegging for rewards codes (ex: xbox, gc codes, etc.) is not allowed. If you stand to make money from a website that you link in your post, it is not allowed. Posting referral links and codes of any sort is not allowed. Posting personal information (real or fake) about yourself or anyone else is not allowed.įlaming/trolling/being a dick is not allowed. Only recently have researchers glimpsed the dangers lurking in our deceptively quiet neighborhood. Their derision left the field of asteroid hunting largely to amateurs and eccentrics. Even professional astronomers have long dismissed asteroids as undistinguished flotsam and jetsam, would-be planets that circle the sun endlessly in a belt between Mars and Jupiter. We can either close our eyes as we cross the street and not know what we’ve dodged, or we can open our eyes and act accordingly.”Īmid fears about global warming, terrorism, disease, and nuclear proliferation, the threat of rocks from space may seem more the province of bad Hollywood movies than front-page news. “We’ve evolved to the point where we can do something about this threat. “We’re living in a shooting gallery,” he warns. The European Space Agency is contemplating a mission to test ways to push such an object off a threatening trajectory, the first serious attempt at developing a planetary defense.īut a group of astronauts, led by Schweickart, also wants their respective countries and the United Nations to prepare for avoiding a hit. At the request of lawmakers, scientists are struggling to pinpoint 90 percent of all seriously life-threatening asteroids by 2020 in order to assure at least some warning. Fast-paced observations allowed them to calculate a more exact orbital path, which took it far from Earth.Īfter a number of false starts, such potential close calls have finally caught the attention of the U.S. For a brief time in 2004, just months before the Apophis scare, astronomers feared that a 150-foot-wide asteroid was just days away from racing into the atmosphere. Planetary scientists now estimate that 150-foot-wide space rocks, comparable to the one that hit Tunguska, strike only once every thousand years or so. Smaller asteroids are less deadly but much more common. Fortunately, the odds that it will hit are essentially zero. A monster rock discovered just this year, with the prosaic name of 2007PA8, is more than two miles across, large enough to wipe out most of humanity. None are known to pose an immediate threat, but some are bona fide civilization stompers. Slamming into the ocean, Apophis could create a tsunami dwarfing the one that killed more than 200,000 people around Indonesia.Īpophis is one of millions of asteroids roaming the solar system. “If it hit London, there would be no London,” says Apollo 9 astronaut Rusty Schweickart, who had closely followed the discussion of the potential 2029 impact. Then it would either explode just aboveground-as one most likely did in 1908, leveling a vast forest in the Tunguska region of Siberia-or gouge a crater 20 times its size. Traveling at 28,000 miles per hour, it would heat up as it passed through Earth’s atmosphere, turning the dark rock into a fiery sun as it arced across the sky. Though too small to end civilization-unlike the asteroid that may have doomed the dinosaurs -Apophis could pack a punch comparable to a large nuclear weapon. ![]() But that tense day, December 26, 2004, stunned the small group of astronomers who dutifully detect and plot trajectories of hundreds of thousands of the millions of chunks of rock whizzing around the solar system. And April 13, 2036, it will return-this time with a 1-in-45,000 chance of hitting somewhere on a line stretching from the Pacific Ocean near California to Central America.īecause Apophis was discovered during one of the world’s greatest natural disasters, the worries about the impact went largely unnoticed. Nonetheless, in 2029 the asteroid, dubbed Apophis-derived from the Egyptian god Apep, the destroyer who dwells in eternal darkness-will zoom closer to Earth than the world’s communications satellites do. “This was absolutely extraordinary-I didn’t expect to see anything like it in my career.” By the end of the day on December 27, 2004, to the relief of the observers, archival data turned up trajectory information that rendered the odds of a collision nil. ![]() “We usually deal with one chance in a million,” recalls Steven Chesley at NASA’s Jet Propulsion Laboratory in Pasadena, California. Furiously crunching numbers on their computers, the researchers put the odds of impact in the year 2029 at exactly those of hitting the number in a game of roulette: 1 in 37. They had inside intelligence that a chunk of rock and metal, roughly 1,300 feet wide, was hurtling toward a possible collision with the most populated swath of Earth-Europe, India, and Southeast Asia. In 2004, as a massive tsunami roiled through the Indian Ocean killing hundreds of thousands of people, a dozen or so scientists quietly confronted an impending disaster potentially even more lethal. ![]() The rate usually published by banks for saving accounts, money market accounts, and CDs is the annual percentage yield, or APY. Loan interest is usually expressed in APR, or annual percentage rate, which includes both interest and fees. For most loans, interest is paid in addition to principal repayment. Interest rate is the percentage of a loan paid by borrowers to lenders. Nearly all loan structures include interest, which is the profit that banks or lenders make on loans. While this does not change the bond's value at maturity, a bond's market price can still vary during its lifetime. Users should note that the calculator above runs calculations for zero-coupon bonds.Īfter a borrower issues a bond, its value will fluctuate based on interest rates, market forces, and many other factors. Instead, borrowers sell bonds at a deep discount to their face value, then pay the face value when the bond matures. Zero-coupon bonds do not pay interest directly. Coupon interest payments occur at predetermined intervals, usually annually or semi-annually. With coupon bonds, lenders base coupon interest payments on a percentage of the face value. Two common bond types are coupon and zero-coupon bonds. Face value denotes the amount received at maturity. ![]() The face, or par value of a bond, is the amount paid by the issuer (borrower) when the bond matures, assuming the borrower doesn't default. Technically, bonds operate differently from more conventional loans in that borrowers make a predetermined payment at maturity. This kind of loan is rarely made except in the form of bonds. Bond: Predetermined Lump Sum Paid at Loan Maturity Some loans, such as balloon loans, can also have smaller routine payments during their lifetimes, but this calculation only works for loans with a single payment of all principal and interest due at maturity. Unlike the first calculation, which is amortized with payments spread uniformly over their lifetimes, these loans have a single, large lump sum due at maturity. Many commercial loans or short-term loans are in this category. Instead of using this Loan Calculator, it may be more useful to use any of the following for each specific need: Mortgage Calculatorĭeferred Payment Loan: Single Lump Sum Due at Loan Maturity Below are links to calculators related to loans that fall under this category, which can provide more information or allow specific calculations involving each type of loan. The word "loan" will probably refer to this type in everyday conversation, not the type in the second or third calculation. Some of the most familiar amortized loans include mortgages, car loans, student loans, and personal loans. Routine payments are made on principal and interest until the loan reaches maturity (is entirely paid off). Many consumer loans fall into this category of loans that have regular payments that are amortized uniformly over their lifetime. Amortized Loan: Fixed Amount Paid Periodically |