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Put simply, a credit card provides a short-term loan from a bank that you are expected to repay quickly. In exchange for giving you a short-term loan, the bank will |
charge you interest — often referred to as an Annual Percentage Rate or APR. An issuing bank will evaluate your credit-worthiness and determine if you are a low risk candidate |
(likely to repay) or a high risk candidate (unlikely to repay) for a line of credit, and will offer you an APR based on your credit report and how it |
profiles you financially. Some banks will offer you a “Teaser” APR — essentially a low introductory rate that will change to a higher APR six or more months later. We'll |
Bolivia: Coca-chewing protest outside US embassy Indigenous activists in Bolivia have been holding a mass coca-chewing protest as part of campaign to end an international ban on the practice. Hundreds of people chewed the leaf outside the US embassy in La Paz and in other cities across the country. Bolivia |
wants to amend a UN drugs treaty that bans chewing coca, which is an ancient tradition in the Andes. But the US has said it will veto the amendment because coca is also the raw material for making cocaine. The protesters outside the US embassy also displayed products made from |
coca, including soft drinks, toothpaste, sweets and ointments. They were supporting a Bolivian government campaign to amend the 1961 UN Single Convention on Narcotic Drugs to remove language that bans the chewing of coca leaf. The convention stipulates that coca-chewing be eliminated within 25 years of the convention c... |
effect in 1964. Bolivia says that is discriminatory, given that coca use is so deeply rooted in the indigenous culture of the Andes.Eradication The US is opposed to changing the UN convention because it says it would weaken the fight against cocaine production. In a statement, the US embassy said |
Washington recognised coca-chewing as a "traditional custom" of Bolivia's indigenous peoples but could not support the amendment. "The position of the US government in not supporting the amendment is based on the importance of maintaining the integrity of the UN convention, which is an important tool in the fight again... |
drug-trafficking," it said. The US is the world's largest consumer of cocaine and has been leading efforts to eradicate coca production in the Andes for decades. Bolivia is the world's first biggest producer of cocaine after Peru and Colombia, and much of its coca crop is used to make the |
illegal drug. Bolivian President Evo Morales has long advocated the recognition of coca as a plant of great medicinal, cultural and religious importance that is distinct from cocaine. As well as being Bolivia's first indigenous head of state, Mr Morales is also a former coca-grower and leader of a coca-growers |
called the Great Square of Pegasus. In mid-October it lies almost overhead from mid-northern latitudes around 10 pm. Pegasus was the winged horse of Greek mythology, and the Great Square represents the front half of the body of Pegasus. Four stars mark the corners of the Square, boxing in an area of sky so large that y... |
armís length to cover it. Sports fans in North America might think of it as a baseball diamond rather than a square. You should be able to find the Square without much difficulty, but your star chart can help if you need to orient yourself. (For help, see "Absolute Beginners Ė Start Observing." There is a link at the e... |
at the Square, imagine a line from the right-hand side of the square down towards the southern horizon and youíll come to a bright star called Fomalhaut. Fomalhaut is part of the constellation of Piscis Austrinus, the southern fish. In 2008, astronomers released photographs taken by the Hubble Space Telescope showing a... |
upwards from the left side. This will lead you to the W-shaped constellation of Cassiopeia, one of the easiest star patterns to recognize. Continue the line northwards for the same distance to see the north pole star, Polaris. Although astronomers talk of the Great Square of Pegasus, these days only three of its stars ... |
was shared with neighboring Andromeda, marking her head. When, in 1930, astronomers came to define official boundaries for the constellations, they ended the practice of sharing stars. Andromeda kept her head but Pegasus lost a corner of its square. Andromeda represents the unfortunate daughter of Queen Cassiopeia. She... |
of her boastful mother. However, youíll need a good imagination to see Andromeda as more than a couple of crooked lines of stars leading away from the upper left corner of the Great Square. There is, though, one great treasure to be found in the constellation. Two lines extend from the Square. Look at the more prominen... |
two stars along and then go two stars up, youíll come to it: the Andromeda Galaxy, a spiral of stars 2.5 million light years away. On clear dark nights you can glimpse the Andromeda Galaxy with the unaided eye as a hazy wisp of light. The Andromeda Galaxy is the most distant object you can see without optical aid, but ... |
binoculars and small telescopes. Beyond the shackled feet of Andromeda lies her heroic rescuer, Perseus. This constellation is shaped rather like a distorted capital A. In the sky he is depicted holding the severed head of Medusa the Gorgon, marked by the star Algol. Click for a diagram of the constellation Perseus. Pe... |
you sweep over this area with binoculars, sparkling star fields will spring into view. Beyond Perseus the stars of winter lie in wait, but weíll leave these for another time and return again to our starting point, the Square of Pegasus. Near it lie two well-known, but relatively inconspicuous constellations, of the zod... |
stars of Pisces are arranged in a large, faint V-shape below and to the left of the Great Square. The most distinctive feature of Pisces is the Circlet, a ring of stars directly beneath the Square of Pegasus, representing the body of one of the two fish visualized here by ancient astronomers. Below and to the right of ... |
This constellationís most distinctive feature is a trefoil-shaped group of four stars that marks the water carrierís jar. From the jar, a stream of faint stars cascades down towards bright Fomalhaut. The Monthly Sky Guide, by Ian Ridpath and Wil Tirion Content copyright © 2013 by Mona Evans. All rights reserved. This c... |
What are placement tests? Certain academic subjects, such as mathematics, often have multiple levels at which student may start when they begin college. Placement tests are academic-subject tests that allow |
colleges to determine what level a student is ready to enter in each of those subjects. What academic subjects require placement tests? The most common subjects tested for placement are |
English, mathematics and chemistry. Foreign language placement is also tests at some colleges. Do all colleges require them? Not all colleges require placement tests. Some colleges, typically smaller, for-profit colleges, |
will only offer one level of their courses. In those cases, there is no need for placement testing. Some colleges that do not give placement testing use other information for |
placement evaluation such as admissions testing (SAT or ACT) or high school coursework. When do I take them? Many colleges give placement testing during orientation. Community colleges often offer testing |
on a daily basis in order to more conveniently fit testing into the schedules of newly admitted students. Check with your admission counselor to find out when your testing will |
be given or if you need to register for your testing. Should I study for placement tests? In general, to ensure proper placement, it is best to brush up on |
any subject that you have not recently studied. For example, if you have not taken a mathematics course in your last semester of high school, then it is helpful to |
review mathematics. Also, if you have taken time off between high school and college, it will be helpful to review all subjects on the placement test. If you do not |
review material before placement tests, you may be placed in a course that is below your ability because you had forgotten some of the information you previously learned. Some colleges |
will post information about the placement testing on their websites. This information may include the types of information to review. You can also ask your admissions counselor what you should |
review for your placement test. What is the format of the test? The testing format varies among colleges. Some collegesí placement tests are computerized, while other collegesí placement tests are |
paper tests. Testing can be multiple choice or completion. There may be essays required. Your admissions counselor should be able to give you information about what the test will be |
like. Will I need to bring anything for the test? You should ask this question of your admissions counselor or the person you speak with to register for the test. |
Some colleges do not require students to bring anything to their placement testing. Some items you may want to bring to your placement testing: - Photo ID - Sweater (in |
case the room is chilly) - Money for vending machines Do transfer students have to take placement tests? In most cases, transfer students do not have to take placement tests. |
However, it often depends on the courses the student has completed. For example, transfer students who have not taken a mathematics course at their previous college, may be required to |
take only the mathematics section of placement testing. If I took placement testing at another college, do I have to re-take it? This is a question for your admissions counselor. |
Some colleges do allow students who can demonstrate a previous placement from another college to forgo placement testing. Colleges that do not require admissions testing (SAT or ACT) may waive |
In the summer of 1892, Porter Nye and his family set up a homestead on the south shore of Lake Bemidji. The area was the last territory in Minnesota to be opened for settlement, and the logging boom was just beginning. According to local lore, Nye used some of the first boards produced by a mill on the Mississippi Rive... |
between Lake Bemidji and Lake Irving to build a small schoolhouse on his homestead. Nye also was the first teacher at the school. In 1902, J. Custer Moore teamed up with Nye to plat the 16-block town site of Nye-Moore, which evolved to Nyemore and, now, Nymore. The next year, residents of the village of Nymore passed a... |
to build a wood frame school at the corner of Fifth Street and Lincoln Avenue Southeast. The community named the school after President Abraham Lincoln. Also operating in Nymore was the four-grade East School on the current site of Lincoln Elementary School at 1617 Fifth St. N.E. Land speculation took off after 1910 an... |
School taxes also were inadequate to maintain the building. Lincoln School was condemned by the State Department of Education, and on March 5, 1916, the Nymore Village Council petitioned the Bemidji City Council for annexation and school consolidation. It was noted in the Bemidji Daily Pioneer that women voted in the N... |
month. An April 19, 1916, article in the Pioneer stated: "With the annexation of Nymore, a new school will be necessary. A new building will cost about $50,000." Students started the fall 1917 semester in the new brick school at Fifth Street and Lincoln Avenue. The building is now home to Mount Zion Church. With the co... |
districts, Bemidji also supplied Nymore with a 14-passenger bus to transport students. In 1995, Bemidji School District voters approved construction of the new Lincoln Elementary School. Site work began in 1997, and students moved in in October 1999. On July 3, 1999, the school district held a farewell open house at th... |
faculty and staff participated. They toured classrooms and viewed artifacts from the school's collection. A special artifact, the portrait of President Lincoln originally hung in 1924 in the hallway at the 414 Lincoln Ave. S.E. school, moved with the students into the current Lincoln Elementary School. He now looks dow... |
Looking to the future, Lincoln Principal Tom Kusler said he expects the school population of about 500 students to remain steady, or even modestly increase. "We're still able to maintain the same number of sections," he said. There are 37 teachers and 21 classrooms at Lincoln. The big changes will be in technology, he ... |
began using electronic SMART Boards in a pilot project. "We have 19 teachers that are getting SMART Boards now," he said. Kusler said the purchases will come from the federal Title I funds, not the Bemidji School District budget. "I think technologies are what we're going to be getting into more and more down the road,... |
Visit a Travel Clinic Before Going AbroadEn Español (Spanish Version) Food and Water-borne Illnesses | Vaccination Requirements | Travel Clinic Services | Post-travel Care With the age of aviation, traveling the world has not only become easier, but it is also an enriching experience. Although some of us may stay withi... |
will travel to exotic locales in countries with varying degrees of sanitation and standards of hygiene. The risk of food- or water-borne illnesses, as well as more harmful diseases while on vacation, including malaria and yellow fever, can be a reality of travel. Despite these significant health risks, many will not se... |
destination is Cancun or Calcutta, it may be well worth the time to visit a travel health clinic before your departure. The following individuals should seek medical advice before traveling abroad: - Infants and young children - Those with chronic conditions such as diabetes, cardiovascular disease, kidney disease, irr... |
- Persons on prescription medications including H-2 blockers and antacids - Pregnant women While these individuals must take extra precautions when traveling, anyone planning a trip overseas should consider seeking medical advice from a travel clinic. Food and Water-borne Illnesses Food- and water-borne illnesses, such... |
can be sources of infection from Escherichia coli, bacillary dysentery, and hepatitis A—all of which can lead to severe dehydration. In general, the Centers for Disease Control and Prevention (CDC) recommends drinking only bottled water (be sure it is a fresh bottle by checking the seal) and avoiding undercooked or raw... |
food that has been allowed to cool to room temperature. Based on the country you will be visiting, a travel health clinic can provide you with a complete list of CDC precautions and recommendations along with necessary antibiotics and water sanitation devices. Depending on your destination, general health risks can ran... |
Health Organization (WHO) cites malaria as one of the most serious risks to international travelers. This potentially fatal disease, transmitted through mosquito bites, occurs in more than 100 countries—many of which are popular destinations, such as Mexico, the Caribbean, India, Egypt, and South Africa. Also of concer... |
Travel health clinics can provide you with information about the year-round health risks that exist in your destination and alert you about new outbreaks that may arise prior to your time of travel. They will also provide you with the recommended immunizations and antibiotics to safeguard against tropical and other ill... |
encephalitis—Southeast Asia While some countries only recommend that visitors get vaccinated before arriving, others require vaccination as a condition of entry, and will inspect health records to verify that the necessary vaccinations have been taken. In these countries, anyone who has not been vaccinated may be quara... |
determine the vaccination requirements for your destination, administer inoculations and provide you with the necessary documentation, such as an International Certificate of Vaccination as well as other travel health records, which can be updated before each trip. Travel Clinic Services Your destination, length of sta... |
The staffs at most travel health clinics consist of physicians and nurse practitioners with specialized degrees in infectious diseases or tropical medicine. They are qualified to develop a travel care plan customized to your individual health needs; administer vaccines and booster shots for polio or measles, mumps, and... |
to make an appointment 4-6 weeks in advance of your trip. This will give you enough time to begin a malaria vaccine regimen if you need to, and for vaccinations to boost your immune system before your trip. In general, services provided by most travel health clinics include: - CDC and WHO information about health risks... |
area of travel - United States State Department travel advisories; consulate information - Pre-travel counseling based on destination, length of stay, and medical history, including how to care for chronic conditions while traveling - An individualized plan of prevention and treatment, including recommendations for foo... |
and B; yellow fever; typhoid; polio; tetanus/diphtheria; Japanese encephalitis; measles, mumps, and rubella; and rabies - Vaccination certificates required by some countries before entry - Antibiotics or over-the-counter medications for diarrhea or prescriptions for malaria prevention - Permanent medical records listin... |
about traveler’s medical insurance, which provides affordable coverage for medical emergencies (also check with your current provider) - Tests to determine whether any illnesses were acquired abroad - Treatment of any illnesses acquired abroad Another essential aspect of travel clinic services is post-travel care. This... |
HEALTHCARE PROVIDER IMMEDIATELY IF YOU THINK YOU MAY HAVE A MEDICAL EMERGENCY. Always seek the advice of your physician or other qualified health provider prior to starting any new treatment or with any questions you may have regarding a medical condition. |
I have been enjoying reading all the posts on this Thread....thank you for sharing your work. I have one question. If as you say: "All the letters of the Hebrew Alphabet are contained in the letter Bet", why is it that the modern form of its shape is different from its ancient form? I would think that the original form... |
of the Hebrew letters would be where design would be found if it were there. We know that the meanings of the letters did not change, but their shapes did... Your welcome Rose! For starters let me just say this: There is no linguist in the world that can confidently tell anyone where language or written writing origina... |
They cannot truly tell you that so and so writing came before so and so writing. All they can do is surmise. Now, I will tell you from lengthy study that ALL written writing compiled from every known alphabet (even Chinese) can all be linked to the Hebrew block style of writing that first appeared when Moses came down ... |
Mount Sinai with the 10 commandments. We can see similarity in these letters even to cuneiform which is said to be the oldest. So what I estimate happened was that Adam and Eve originally spoke this language, and the 7th generation from them which was Enoch (who was recorded in his book as well as the book of Jubilees ... |
additionally the Dead Sea Scrolls) who was the FIRST SCRIBE of written writing which was shown to him by G-dís appointed angel 'Uriel'. Enoch calls these 'ketav einayim' (eye writings). Now through the centuries these letters became mottled and distorted (but we can still see the similarities). Then the letters were re... |
down from Mount Sinai. In my book I have a whole chapter called 'language similarities' in which I reveal how all the alphabetical letters that are found in every single alphabet ever found in the world are still nonetheless the same Hebrew letters. Hebrew was the ORIGINAL PRIMORDIAL LANGUAGE! - always has, and always ... |
Quantum Time Waits for No Quantum Theory, also quantum mechanics, in physics, a theory based on using the concept of the quantum unit to describe the dynamic properties of subatomic |
particles and the interactions of matter and radiation. The foundation was laid by the German physicist Max Planck, who postulated in 1900 that energy can be emitted or absorbed by |
matter only in small, discrete units called quanta. fundamental to the development of quantum mechanics was the uncertainty principle, formulated by the German physicist Werner Heisenberg in 1927, which states |
that the position and momentum of a subatomic particle cannot be specified simultaneously. Spectral Lines of Atomic Hydrogen: When an electron makes a transition from one energy level to another, |
the electron emits a photon with a particular energy. These photons are then observed as emission lines using a spectroscope. The Lyman series involves transitions to the lowest or ground |
state energy level. to the second energy level are called the Balmer series. These transitions involve frequencies in the visible part of the spectrum. In this frequency range each transition |
is characterized by a In the 18th and 19th centuries, Newtonian, or classical, mechanics appeared to provide a wholly accurate description of the motions of bodies—for example, planetary motion. In |
the late 19th and early 20th centuries, however, experimental findings raised doubts about the completeness of Newtonian theory. Among the newer observations were the lines that appear in the spectra |
of light emitted by heated gases, or gases in which electric discharges take place. model of the atom developed in the early 20th century by the English physicist Ernest Rutherford, |
in which negatively charged electrons circle a positive nucleus in orbits prescribed by Newton’s laws of motion, scientists had also expected that the electrons would emit light over a broad |
frequency range, rather than in the narrow frequency ranges that form the lines in a spectrum. Another puzzle for physicists was the coexistence of two theories of light: the corpuscular |
theory, which explains light as a stream of particles, and the wave theory, which views light as electromagnetic waves. A third problem was the absence of a molecular basis for |
In his book Elementary Principles in Statistical Mechanics (1902), the American mathematical physicist J. Willard Gibbs conceded the impossibility of framing a theory of molecular action that reconciled thermodynamics, radiation, |
and electrical phenomena as they were then understood. At the turn of the century, physicists did not yet clearly recognize that these and other difficulties in physics were in any |
way related. The first development that led to the solution of these difficulties was Planck’s introduction of the concept of the quantum, as a result of physicists’ studies of blackbody |
radiation during the closing years of the 19th century. (The term blackbody refers to an ideal body or surface that absorbs all radiant energy without any reflection.) A body at |
a moderately high temperature — a "red heat" — gives off most of its radiation in the low frequency (red and infrared) regions; a body at a higher temperature — |
"white heat" — gives off comparatively more radiation in higher frequencies (yellow, green, or blue). During the 1890s physicists conducted detailed quantitative studies of these phenomena and expressed their results |
in a series of curves or graphs. The classical, or prequantum, theory predicted an altogether different set of curves from those actually observed. What Planck did was to devise a |
mathematical formula that described the curves exactly; he then deduced a physical hypothesis that could explain the formula. His hypothesis was that energy is radiated only in quanta of energy |
hu, where u is the frequency and h is the quantum action, now known as The next important developments in quantum mechanics were the work of German-born American physicist and |
Nobel laureate Albert Einstein. He used Planck’s concept of the quantum to explain certain properties of the photoelectric effect—an experimentally observed phenomenon in which electrons are emitted from metal surfaces |
when radiation falls on these surfaces. According to classical theory, the energy, as measured by the voltage of the emitted electrons, should be proportional to the intensity of the radiation. |
The energy of the electrons, however, was found to be independent of the intensity of radiation—which determined only the number of electrons emitted—and to depend solely on the frequency of |
the radiation. The higher the frequency of the incident radiation, the greater is the electron energy; below a certain critical frequency no electrons are emitted. These facts were explained by |
Einstein by assuming that a single quantum of radiant energy ejects a single electron from the metal. of the quantum is proportional to the frequency, and so the energy of |
the electron depends on the frequency. In 1911 Rutherford established the existence of the atomic nucleus. He assumed, on the basis of experimental evidence obtained from the scattering of alpha |
particles by the nuclei of gold atoms, that every atom consists of a dense, positively charged nucleus, surrounded by negatively charged electrons revolving around the nucleus as planets revolve around |
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