![]() ![]() You have to be ready, and also you have to discard notions that are fondly held by a lot of musicians, about sequences of notes and about scales and about musical systems as a whole. But it definitely has to do… you have to be alert, in a certain way. There are times when we feel like we're really clicking into something here. Again, this is one of those things - it's a totally subjective kind of experience. JERRY GARCIA : It finds structure, it finds expression if we're lucky. JESSE: But it’s also pretty hard to hold space for genuine chaos. ![]() JERRY GARCIA : We want to maintain some areas absolutely unstructured - absolutely, totally unstructured. JESSE: This is Jerry Garcia talking to Howard Rheingold in 1990. ![]() But on a performance level, it's an orchestrated piece of music, as is everything they do, “Wharf Rat” and everything. Whereas if they did “China”/”Rider” three times on that tour, they're not identical, the energy would be different. And every night was different in “Drums/Space,” dramatically. Grateful Dead archivist and legacy manager David Lemieux.ĭAVID LEMIEUX: That's the moment when the Grateful Dead, with their big label of being an improv band, truly got to improvise. A punchline to some, but a nightly cosmic portal to many others, it was where some of their most inspired music occurred. The music on Infrared Roses emerged from the part of Dead shows labeled “Drums/Space,” the point about halfway through the second set when they left the songs behind. JESSE: The Grateful Dead, of course, kept writing songs after Built To Last, but they also kept developing in other ways, and Infrared Roses was a progress report from their improvisational group mind - created at the cutting edge of technology, just the way Live/Dead was more than 20 years earlier. Here’s some of the title track.ĪUDIO: “Infrared Roses” (0:42-1:14). JESSE: Here’s a Grateful Dead trivia question that’s not actually that trivial: What was the last album of original Grateful Dead music? True, the Dead put out Built To Last in 1989, but the answer to the question-and the subject and springboard for today’s episode-is Infrared Roses, released in 1991, 30 years ago this fall, and now streaming for the first time. *This Product is Not For Use With Tobacco, Nicotine-Containing E-liquids, or Any Synthetic Nicotine or Nicotine Substitute.- Bill Kreutzmann & Bob Bralove, Grateful Dead Hour #169, 1991. With pass-through charging capability via Micro-USB and automatic shut-off, the G Pen Dash maximizes battery life and usability on every charge. The G Pen Dash also features haptic feedback and a smart button with three LEDs to indicate heat level and battery life. Other key elements include an ergonomically designed chamber opening for convenient loading and a magnetically attached mouthpiece that can be taken apart for easy cleaning and maintenance. ![]() Featuring a glass glazed stainless steel heating chamber with three temperature settings (375✯ / 190✬, 401✯ / 205✬, and 428✯ / 220✬), the Dash fits in any sized pocket and is perfect for on-the-go.Ĭombined with a clean air source and integrated air path, the G Pen Dash provides unsurpassed flavor and vapor production from your favorite strains. The Grateful Dead x G Pen Dash brings supreme dry herb vaporization to the palm of your hand in a powerful, ultra-discreet, lightweight and affordable device. The Grateful Dead x G Pen Dash features the band’s signature imagery and colorways throughout, highlighted by a bold Stealie on the front of the device and a “Good ol’ Grateful Dead” Skeleton dancing across the back. Grenco Science is proud to introduce the Grateful Dead x G Pen Dash Vaporizer, the first release with world-renowned American rock band and timeless cultural icon, Grateful Dead. ![]()
0 Comments
![]() ![]()
![]() ![]() Each of them has his own business, his own problems. Michael is another very colorful character, a former bank robber who is trying to start a normal life and find understanding in his own family.įate brings these characters together. Someone will want to follow the path of a dark-skinned guy Franklin to get to the top of the “food chain” of Los Santos. Trevor is an ex-pilot, robber and drug addict who likes to destroy everything around him. You will get acquainted with the deep personal history of each of them, but the details of the biography of the characters will also be revealed in the course of the game. In the game you will be able to play the play on behalf of three characters. And, of course, it is far from the most promising place to live and even less for a decent and legitimate income. So, in front of you is the city of Los Santos, where many stars live in the “sunset” of their careers, various dirty reality shows rule, and in general it is a city mired in economic problems. At least the number of main characters – there are three of them. If you decide to download gta 5 – remember that the storyline of this arcade simulator-racing distinguishes it from all previous parts. ![]() Each of them is an eccentric and colorful character in his own way. And how can you do without a violent but intelligent psychopath named Trevor? He’s a former aviator whose dreams all along have involved arms and drug dealing on a grand scale.You can run as Franklin, a black man from the ghetto who does everything he can to climb higher up the social ladder.Here you can play for Michael, a former bank robber, who has his own mansion and a huge amount of free time under the witness protection program.And the creators very competently approached their heroes and storylines in general. Excellent are also the heroes of GTA 5.In this respect, the 5th part is incomparable with the previous ones. It lives its own life: the behavior of virtual people and animals, frighteningly similar to the real one, is immediately striking. The city of Los Santos with its spacious streets, openness of the world and scenery immediately leaves a positive impression. ![]() ![]() ![]() Geo meets up with Milli and Bot, and they set out to find the missing truck. Right before "The Wild West Toy Train Show", a big gust of wind blows Ethan's ticket out of his hands all the way to the top of a mountain. It's up to Team Umizoomi to use their Mighty Math Powers and a toy train to help get his ticket back. It’s almost time for the “Butterfly Dance Show,” and Milli's playing one of the butterflies. but her friend Sophia, the star of the show, has a problem. Team Umizoomi must complete the costume and get it to Sophia before the curtain goes up. Kayla’s fun at the water playground comes to an abrupt end when the elephant water sprinkler stops working. To help Kayla, Team Umizoomi needs to know how water gets to Umi City to find the problem. On "Just Because I Love You Day,"Anthony realizes he forgot to put stamps on a package he sent to his Grandma. Team Umizoomi zooms behind the scenes of the post office, and into the mail system to catch up to the errant package. Team Umizoomi is having fun playing in the snow, until they get a call from Andy, who is at the Umi City Airport. His plane can't take off because it needs gas and there's too much snow on the runway. Our mini and mighty team has got to get to the airport to help Andy, so he can go on his flight.Īt the playground, a terrible storm has left the sandbox, swings, slide, and bouncy bridge in disarray. Until everything gets fixed, the park will remain closed! It’s a big job, but no job is too big for Team Umizoomi. Olivia is sleeping over at her Grandpa's house but she forgot her favorite bedtime story. Luckily, Team Umizoomi knows a place where you can get any book you need - The Library. Milli visits her friend Emily and her class for Favourite Things Day. Emily can't wait to show the shiny shells she found at the beach, but when she opens her treasure box, they're gone. Milli joins up with Geo and Bot, so they can help Emily find her shells. But during a practice run, Sonya’s boat sails out of control and falls apart. She calls on Team Umizoomi to rebuild the boat before the big race. Santa's Toy-Making Machine is broken - it’s not making any toys. The team must get to Santa’s Workshop and fast. If they don't hurry and fix the machine as well as make the last three toys, three kids won't get their Christmas presents. Though they're unaware who those three are. Note: This is a holiday special which airs only in December. Team Umizoomi enters UmiCar in The Race Around Umi City to try to win the grand prize-a big bunch of balloons-for their balloon-loving friend Sam. #Team umizoomi umi rescue copter crack#īut Umi-Car will have to out-race Dump Truck, who’ll stop at nothing to win.*The product in this review was provided to me for the purpose of conducting this review. One SIMPLE reader will win a copy of this DVD. ![]() Learn about construction, explore all kinds of ball games, dive into a day at a restaurant, visit a hospital, discover dentists and join Firefighter Gil on a rescue!”īubble guppies: on the job! :: $16.99 retail, but search on Amazon for a lower price as of the date of this review! The Bubble Guppies go on field trips to learn about different things they can be when they grow up. “This DVD includes more episodes than the first release for a total of six underwater, fin-tastic episodes and over two hours of entertainment. On this DVD, you get 6 episodes in the first season of Bubble Guppies…some of my Adalynn’s favorites! Here are the episode titles that are included on this DVD: For those who have never seen this show, trust me and grab a copy if your children are ages similar to mine. For those of you who love this show like my family does, you can grab a copy of this DVD to have on hand when there is nothing else on TV. I have to share with you the new DVD from Nickelodeon, Bubble Guppies: On the Job! It’s available today, 2/5/13. The “guppies” are polite, concerned about feelings, always inquisitive and always having fun. It’s a fantastic little cartoon great for all younger aged kids. My 1 year old is typically doing her thing in the background, but always bopping along to the songs and my 6 year old is immediately dropping what she is doing to watch as well. My 3 year old just loves this show on Nickelodeon. Bubble Guppies is a common thing discussed at our home when deciding on a show to watch. ![]() ![]() ![]() The collection is compatible with Adobe Photoshop Version CC and higher. Today’s Photoshop Brushes are for achieving the traditional pencil look. The set is convenient to use, it fulfills all creative needs of a graphic designer, and is seasoned with antique art approach. Basically, you get yourself the whole pack of lead pencils: hard and soft, made as sketching and stippling-ready ones. And it’s not strictly about sketching: the tools are suitable for different kinds of experiments with illustration, you name it! The major advantage of this set is hidden in the variety of forms included in the collection. vol.3 Chalk Text Effect PSD Chalk Text Effect PSD. Free Hand Drawn Dividers Photoshop Brushes 16 20 Blackboard Ps Brushes abr. pencil paint crayon chalk brushes dividers blackboard. Chalk Free Brushes licensed under creative commons, open source, and more. ![]() Make sure to have your tablet charged and stylus pen working properly before diving deep into the sea of creative opportunities with these 50 brushes for Photoshop. 107 Best Chalk Free Brush Downloads from the Brusheezy community. Get ready to feel the artistic craft handed over to you by Da Vinci Photoshop Brushes! In the blink of an eye the graphite strokes, lines and scratches get teleported to the digital artboard, where their genuine realism amazes to the core. I use these brushes for almost all of my Photoshop sketching and have included new “real” style red and blue layout pencil variants as well as my more artificial, digital pencil brushes as a bonus.Same Da Vinci pencil brushes but made for: What if you had the speed and control of digital sketching, combined with the beauty and appeal of pencil sketching Designed by Andantonius. Use a softer lead and the tooth fills in more readily. Use a harder pencil lead and it will be, well, harder to fill in the paper’s virtual tooth. Whether youre an experienced artist or just starting out, these. Charcoal Pencil Photoshop Brushes (Free, 6 Brushes) Check out this incredible free brush set With a variety of brushes to choose from, including brushed, gritted, grained, flicked, and dabbed brushes, you can easily add a touch of authentic, organic texture to your designs. ![]() With 50 unique watercolor textures, each varying in thickness and offering high-quality 4K resolution, youll have everything you need to create visually appealing designs. Press light and the stroke shows more paper. Take a moment to review these stunning watercolor brushes that will take your artwork to the next level. Press hard and more tooth fills in for a more opaque stroke. However, even these essen- tials can lead to confusion for a beginning artist purchas- ing art. They use a painstainkingly tweaked combinations of texture and flow settings to create the most realistic marks possible through a range of real pencil hardnesses. pencil, an eraser, and a piece of paper - will do. My real pencil brushes have locked opacity. Pencil Scribbles Brushes Underline Photoshop Brushes 6 Circle Scribbles and Swirls. Scribble Free Brushes licensed under creative commons, open source, and more. Texture is often an afterthought and feels tacked on. 676 Best Scribble Free Brush Downloads from the Brusheezy community. Most pencil brushes use opacity and flow to determine the strength of their mark making and density. Storyboarding Brushes from a Pixar Story Artist. Nanda’s Real Pencil Photoshop Brushes Nanda’s Real Pen Photoshop Brushes. For some time now I have been on the casual lookout for a Photoshop brush that mimicked a regular-ol’ number 2 pencil.Seems Foran was on that line of thought as well. Frenden’s Inking / Pencil Brush for Photoshop & Manga Studio Not Free. More Free Photoshop Brushes See all photoshop brushes. Note: These Tool Presets are only compatible with Photoshop CS5, CS6, and Creative Cloud. Cartoonist Mike Foran has a couple of cool number 2 pencil Photoshop brushes free to download that I stumbled across the other day. ![]() ![]() ![]() Following that, the vibration feature can be selected from your preferences. After you’ve detected the guitar controller, simply click the guide button on the controller to begin playing the game. Make sure that the guitar controller is plugged into the computer, that the game is aware of this, and that it is turned on. If you’re using the Xbox to play the game, make sure the vibration feature is turned on. The game is compatible with the Guitar Hero: World Tour 360 version and can be played on any Rock Band instrument, such as the guitar, bass, drums, and microphone. How To Get Started With Clone HeroĬlone Hero, an action rhythm game, can be played with a five- or six- button guitar controller, a game controller, or with the standard computer keyboard. You can get started right away if you want, and this set is simple to use and easy to learn. Learn how to play the guitar right the first time with the Doyo Guitar Hero Guitar, and you’ll be ready to rock. You can also use the controller to play bass or drums in addition to bass and drums. The controller has five buttons, a fretboard, and a track that displays the notes of the song. The wireless guitar controller has a strap that is ideal for use with Rock Band and other Guitar Hero games. The Doyo Guitar Hero Guitar for PlayStation 3 and PC is an excellent addition to any collection of Guitar Hero games. On the other hand, if you’re already proficient at guitar and just want to jump into the action, you can probably get by without a guitar controller. ![]() If you’re just starting out, you might want to consider picking up a cheap guitar controller to get a feel for how the game is played. There’s no right or wrong answer to this question – it entirely depends on what you want to get out of the game. Please join us on November 29th as we celebrate the release of Clone Hero V1. We’ll also be adding a new competitive mode called Clone Wars, in which you’ll be able to face off against players from all over the world in a head-to-head battle. If you are experiencing any of these issues, we recommend that you try troubleshooting the game or re-installing it.Ĭlone Hero V1 will also feature a new story campaign, new songs, and new features, including a new scoring system that takes into account how well you interact with your friends. Additionally, it is possible that your graphics card or drivers are not compatible with Clone Hero. Another potential reason could be that there is a problem with your installation of the game, or that your game files may be corrupted. One reason could be that your computer does not meet the minimum system requirements to run the game. There are a few potential reasons as to why Clone Hero may not be working. Hopefully, this article has given you a good introduction to the world of C3 Customs Clone Hero. From here, you can adjust the game’s difficulty, as well as a number of other options. To do this, simply select the “Settings” option from the main menu. If you are having trouble playing a particular song, you can always try adjusting the game’s settings. You will then be prompted to select the song you wish to play, as well as the difficulty you wish to play it on. To do this, simply select the “Play” option from the main menu. Once you have added a few songs to your setlist, you can then begin playing them. You will then be prompted to select the song you wish to add, as well as the difficulty you wish to play it on. ![]() To do this, simply select the “ Add Song” option from the main menu. Once you have created a setlist, you can then begin adding songs to it. This can be done by selecting the “Create Setlist” option from the main menu. Once the game is downloaded and installed, you will need to create a custom setlist. To get started with C3 Customs Clone Hero, you will need to download the game from the C3 website. The C3 Customs Clone Hero allows players to download and play custom songs, created by the C3 team and the community. C3 Customs is a team of passionate music lovers who have created a modded version of the popular Guitar Hero game. ![]() ![]() Chernobylite Midtown Madness Free Download Unfitgirl The cruise mode just lets you drive wherever you like without restriction, but a number of other modes, including checkpoint races, larger-scale circuit races, timed races, and even a multiplayer-only cops and robbers game add a lot of value as you try to beat your rivals, the clock, or both. There’s a lot of running amok to be done. Midtown Madness because you know you can’t in real life. But Midtown Madness doesn’t present itself as some sort of perfectly realistic simulation: Pedestrians deftly dive out of the way of traffic, cars that are struck and sent airborne safely return to their routine, and mailboxes and parking meters that are uprooted eventually regenerate in their rightful places. If you feel there’s some scathingly detrimental social undercurrent to this game’s affording you the freedom to drive however you like, then by all means keep off the road. Nevertheless, it’s fun to be able to drive like a maniac and beat up a Beetle while racing the city cops. Thus Midtown Madness approaches, but doesn’t actually reach, that meticulous level of realism and detail that driving games must necessarily strive for. To put it in a nutshellīut while it’s great to see Chicago’s landmarks and its smaller streets modeled so carefully, it’s too bad that most of the storefronts in the game are generic and often repeated, even on the same block. Other details really stand out, like the bright traffic lights and the different weather and time conditions that manage to evoke a particular beauty about the city through their sheer variety. They get damaged when they run into things, although this effect isn’t entirely convincing either. ![]() With all its options turned on, the vehicles look nice and shiny although at times a little too flat. Midtown Madness requires some pretty powerful hardware in order to look its best, and even at its best it doesn’t look as good as it might have and often suffers from choppy frame rates. It’s also a bit of a disappointment that all the cars you’ll come across on the city streets are generic hatchbacks and sedans and not the real thing like what you’re driving. Though you can drive around ten different vehicles total, it’s too bad there weren’t even more real cars, like the hundreds available in the popular PlayStation driving game Gran Turismo. There’s also a great wide-screen view that increases your field of vision as well as your frame rate, and there’s a real-time map of the city marked with all its landmarks. Unfitgirl.COM SEXY GAMES Midtown Madness Free Download UnfitgirlĪll these cars handle and sound different from one another (you even hear warning beeps when the bus goes in reverse), and although the game plays best from a third-person view, you can switch to a unique first-person dashboard view, complete with steering wheel and tachometer but no rearview mirrors. You can also unlock a bevy of unusual machines, from a city bus to a souped-up Ford Mustang police car. You get to drive a wide assortment of real-world vehicles, from the frightfully popular Volkswagen New Beetle to the luxurious 1999 Cadillac El Dorado. Although its driving mechanics aren’t terribly sophisticated, it can be a lot of fun because it affords you that very freedom that all driving games should but rarely deliver. ![]() And you get to drive wherever you want within the windy city, and however you want. The city lives and breathes rather like the real thing, with variable traffic and weather conditions, pedestrians, traffic lights, cops, and freeways. That’s why Midtown Madness, because of its ambitious scope, stands poised to redefine the genre’s standards: The game doesn’t contain traditional tracks, so much as the entire city of Chicago mapped out by the block, complete with all its famous landmarks from the Sears Tower to Wrigley Field. With few exceptions, in driving games you never really get the sense of freedom that the motor vehicle, in that ideal world as portrayed in car commercials, is supposed to provide. Flight simulators give you the whole countryside, spaceflight simulators give you the galaxy, but most driving games give you about six tracks. Midtown Madness Free Download Unfitgirl Driving games remain a mostly unexplored frontier. ![]() ![]() Sexual while you treat the source of your pain. If you have pain during intercourse, prioritize other ways to be Just remember that you shouldn’t tolerate painful sex. ![]() ![]() Regular sexual activity can increase blood flow to your vagina and help keep tissues healthy. In general, your vagina will lose elasticity if you don’t use it. That might mean changing your schedule so that you can have sex in the morning when you’re both well rested. Or set aside time at home when both of you like to have sex. Plan an overnight trip so you have time to rediscover one another without the distractions of home and work. Even a morning kiss, a funny midday text exchange, an evening walk or a shared dinner can help you feel more connected to your partner, which can lead to better sexual intimacy. Any of these activities that you enjoy are good foreplay. Solve the Saturday crossword puzzle together. Make a date night at your favorite restaurant. Go for a long walk or bike ride together. Take time to enjoy each other and nurture your relationship. If you’ve been in a relationship for a while, focus on rekindling some magic with your partner: Make your partner a priority This underlines the fact that novelty, excitement and emotional closeness can increase sexual intimacy. Studies show that postmenopausal women often have better sex, more sex and fewer sexual symptoms when they have a new lover. Focus on your attitude and mindset about sex. Remember that your brain is your most powerful sexual organ. You may think that alcohol helps put you in the mood, but the result can be the opposite. Alcohol can slow down your biological sexual response. Avoid smoking and alcoholĬigarette smoking can reduce blood flow to the vagina and contribute to vaginal dryness. Physical activity can increase your energy, lift your mood and help you feel good about your body. Once you’ve got the technique down, you can do Kegel exercises discreetly just about anywhere. Work up to keeping the muscles contracted for 10 seconds at a time, with 10 seconds in between. Then, lie on your back and practice contracting the muscles for five seconds and then relaxing them for five seconds. But don’t do Kegel exercises while you’re urinating - only use this technique to isolate the correct muscles. ![]() ![]() If you need help finding your pelvic floor muscles, stop urination in midstream. These exercises can increase blood flow to your vagina and strengthen the muscles involved in orgasm. H3: Practice pelvic floor (Kegel) exercises Remember that nylon underwear can be irritating too. Skip douches, bubble baths, dryer sheets, moistened wipes, perfumes and other irritants. This is particularly important for vaginal dryness or irritation, but it’s good advice all-around. You can also use self-care measures to protect your sexual health before symptoms begin. If you have minor sexual symptoms, this is a good place to start. Think of menopause as an opportunity to revive your sex life and your relationship. Your health care professional can guide you to the best solution for your situation, but there’s little harm in trying a few measures on your own. No matter what sexual setbacks you face during menopause, there are treatments out there. ![]() ![]() ![]() Pre-set styles are available that can be used according to the brand type. The tool allows creating impressive animated logos in just a few minutes. ![]() When it comes to branding and animations online, this is the top-rated tool in its category. To cut down on your research work, we have shortlisted some of the widely used online animated logo makers as below. Autodesk 3DS Max: Best 3D Animation Software for Windows. Add Minecraft animations and intros to your videos. You’ll have your high-end intro ready in no time. Choose any of our templates and customize them according to your preferences in our cloud-based editor. Houdini: Powerful Professional Software with Free Version. With the Renderforest video maker, you have the opportunity to create professional animation intros in Minecraft style in a few minutes. Some of these tools can also be used to create logo to 3D animation. Cinema 4D: Best 3D Animation Software for Beginners. These programs work from your browser, need no software download, and are simple to use. If you are low on budget or do not want to risk initially with the paid animated logos, free online tools work best. Part 2 Top 10 Online Tools for Creating Animated Logos So, a good animated logo will not only add a professional touch to your brand or a business but will also give a modern touch.
![]() □ Note: In addition, the orange numbers denote those periods for which you should have cleared your payments. Then, the Total Period of the loan consists of 20 years or 240 months.Next, the Total Interest Paid over the maturity of the loan is $179,858.64.First and foremost, the Total Payment (principal + interest) is $429,858.64.Here, the monthly payment is $1791.08 and you’ll find the additional loan details in the Summary table. So, just enter the above information in their respective cells and the amortization schedule will be generated, as shown in the picture below. Finally, the Payment Frequency is Monthly.įurthermore, you want to know what your monthly payment will be. ![]() Fourth, the Payment Type involves paying at the End of the Period.Third, the Annual Percentage Rate ( APR) consists of 6%.Second, the Loan Term spans over 20 years.Now, let us consider the following scenario, where you took a home loan (or for any other purpose) with the following details: Therefore, without further delay, let’s explore them one by one.Ĭase-1: Amortization Schedule with Regular Payment (PMT) Amortization Schedule with Irregular Extra Payment (Irregular Extra Payments).Amortization Schedule with Regular Extra Payment (Recurring Extra Payment).Amortization Schedule with Regular Payment (PMT).Indeed, this article will help you to pay off your mortgage in 3 diverse ways: are self-explanatory.ģ Ways to Calculate Amortization Schedule with Irregular Payments Lastly, other terms such as the Extra Amount You Plan to Add, Extra Payment (Recurring) Pay, and Extra Payment Starts from Payment No. In contrast, in some countries like Canada, though payment is monthly, interest compounding may be semi-annually. Simply put, if your payment frequency is monthly, then your interest is also compounded monthly. Interest Compounded: In general, it is equal to the payment frequency. Is it worth almost $1,000 more to have it now (furthermore, the retail price in 3 years will probably drop)? That is like going into a store that advertised "SALE-ADD 20% TO EVERY PURCHASE.6. If purchased on a credit card with a 12% annual percentage rate (APR) compounded daily, and with minimum monthly payments of $166 paid over three years, it winds up costing over $5,980. Here is an example: a new television flat-screen HDTV model retails for $5,000. If one calculated the true cost of goods bought on credit, one would have second thoughts about making the purchase in the first place. Many impulse purchases are made on credit with little thought given to how the debt will be repaid in the future. One should never use credit to purchase things for which one will not be able to pay in the future. Credit abuse increases the cost of credit to everyone. Goods and services are provided on credit with the expectation that they will be paid for with money in the future. ![]() Credit is extended with the faith that borrowers will repay the debt. While credit is very important to the economy, its abuse is harmful. The marketing is so aggressive that consumers may lose sight of the fact that this is not free money and make excessive purchases to the point where they find themselves in financial difficulty. This is why credit card companies aggressively compete to get you to use their credit cards and services. This represents hundreds of billions of dollars in interest earnings to lenders. According to the Federal Reserve, there was more than $2.5 trillion of consumer debt outstanding by late 2009-this is more than double the amount outstanding in 1994. Credit is issued by banks, savings and loans, credit unions, public utilities, and even merchants. ![]() Today, credit has become a business in its own right. One should not use credit in place of money when there is little or no likelihood that payment in real money will be made-using credit without the intent or ability to pay is theft. Derived from the Latin word for "trustworthiness," credit is based on faith that the borrower will repay the debt with real money. While credit stimulates the economy, it does have to be used judiciously. ![]() |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |