This is because those under 18 are considered minors, which means they’re not allowed to enter into contractual agreements with lenders. However, borrowers must be at least 18 years old to sign a loan agreement. Honda doesn’t list eligibility requirements for its auto loan or leases. They’ll help set you up with the Honda car you want. Accept or decline the offer: If you’re happy with the terms Honda Financial Services offers, you can take your preapproval email and head to the nearest dealership to speak with the finance team.You can also check your application status online by clicking on “Apply for Pre-Approval” under the “Finance Tools” menu. Receive a decision: You’ll receive an email from Honda Financial Services when your application status is ready.Provide your information: Fill out the preapproval application online, or print it out and take it to your nearest Honda finance center and dealership.When applying for preapproval, you’ll need to follow these steps: You can determine how much financing you may qualify for by submitting a car loan preapproval application. To get approved for a Honda loan or lease, you’ll need to prove you have sufficient funds to meet payment obligations. The Leadership Purchase Plan is only available in certain states, including: The program allows you to trade your vehicle in, return it, or purchase it at a guaranteed price once your contract ends. Honda’s Leadership Purchase Plan is a service contract that lets you easily finance a Honda vehicle. Some highlights of the program are a $500 waiver for excessive wear and use or damage, as well as potential savings and income tax benefits. Honda offers a one-pay leasing program that allows you to pay for your lease in a single financial transaction. Each lease comes with guaranteed asset protection (GAP) insurance, which covers the difference between the remaining amount on your lease and the amount your vehicle’s insurance takes care of in the event your vehicle is damaged or stolen. Honda offers lease contracts ranging from 24 to 60 months with mileage options of 10,000, 12,000 or 15,000 miles per year. *Rate range as of 9/25/23 Leasing a HondaĪ big draw of a Honda lease is having lower monthly payments.
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In addition to her collegiate playing and coaching experience, Hansen also works on the Head Age Group staff for Region II ODP, has recently signed on to work with Michigan ODP across many age groups, and has previously held various positions with the Ohio South and Ohio North Olympic Development Programs. Hansen graduated Summa Cum Laude from BGSU with a bachelor's degree in dietetics in 2008. She represented Bowling Green as a team captain as a senior and was also a two-time BGSU Scholar-Athlete of the Year nominee (2006-07). As a goalkeeper at BGSU, she helped the Falcons set a new record for shutouts in a season with 10 in 2006. Hansen began her collegiate playing career at Louisville in 2004, before transferring to Bowling Green for her final two seasons. In addition to her success as a goalkeeper coach, Hansen also pursued a Master's degree in food and nutrition from BGSU, earning her degree in 2010. She also guided a Falcon goalkeeper to First Team All-MAC honors. In three seasons as an assistant, she helped BGSU record 23 shutouts, including a program-record 14 during the 2008 season. Hansen got her start in collegiate coaching as the goalkeeper coach for three seasons at Bowling Green (2008-11), where she also competed during the final two years of her playing career. Hansen mentored two goalkeepers to A10 All-Championship Team honors, and in 2013 helped goalkeeper Elizabeth James collect NSCAA National Player of the Week and two A10 Rookie of the Week distinctions, as well as earn a spot on the A10 All-Rookie Team. She helped lead the Flyers to two A10 Tournament championships (2011, '14), the 2013 A10 regular-season title and two appearances in the NCAA Tournament (2011, '14). Prior to coming to Ann Arbor, she spent four successful seasons at the University of Dayton (2011-14), where she was responsible for all goalkeeper development and training and also served as the program's recruiting coordinator and camp director. During the 2017 season, Hansen managed one of the most talented goalkeeping units in the county, as Michigan rotated between three different starting keepers, each with a different style of play and strengths that benefited the program. Under Hansen's guidance, goalkeeper Sarah Jackson was named to the All-Big Ten Third Team in her senior season, and was twice named Big Ten Defensive Player of the Week as a junior. In her first four seasons with Hansen on staff, the Wolverines allowed an average of just one goal per game and recorded 25 shutouts in 78 total games. In 2018, Hansen's goalkeeping contingent posted five shutouts. Under Hansen's tutelage, the U-M goalkeeping contingent had 12 shutouts in the historic 2021 season and six clean sheets in the 2019 campaign. Several other top-20 classes have dotted Hansen's tenure as well.ĭuring her time in Ann Arbor, Beall morphed into one of the top goalkeepers in program history, culminating in a United Soccer Coaches North Region Second Team honors, and All-Big Ten Tournament team honors during the 2021 season. 6 recruiting class to Ann Arbor in 2017, which included the No. Hansen also oversees Michigan's recruiting efforts and has made an immediate and instrumental impact in bringing top-level talent to Ann Arbor. She joined the Wolverine coaching staff in January 2015 and works primarily with the Maize and Blue goalkeepers. Tiffany Hansen will enter her eighth season as an assistant coach with the University of Michigan women's soccer team in 2022. It is essential to be aware that Tri-Luma cream is a drug that can only be obtained with a doctor’s prescription, and that the precise quantities of the active components might change depending on the formulation that a dermatologist recommends. The presence of hydroquinone prevents melanin from developing, tretinoin speeds up cell turnover and promotes penetration, and fluocinolone acetonide alleviates the inflammatory and irritating feelings that are associated with the sickness. The composition of Tri-Luma cream has three unique active components, all of which work together synergistically to treat a variety of kinds of hyperpigmentation. By reducing inflammation, fluocinolone acetonide enhances the overall tolerability of Tri-Luma cream. It helps to reduce skin inflammation and minimize potential irritation caused by the other active ingredients, hydroquinone, and tretinoin. By increasing cellular turnover, tretinoin aids in the penetration of hydroquinone, enhancing its effectiveness in treating hyperpigmentation.įluocinolone Acetonide (0.01%): Fluocinolone acetonide is a corticosteroid with anti-inflammatory properties. It promotes cell turnover and exfoliation, which helps to remove the outer layer of dead skin cells and stimulate the growth of new cells. Tretinoin (0.05%): Tretinoin, a derivative of vitamin A, is a retinoid commonly used in dermatology. By reducing melanin synthesis, hydroquinone helps to even out skin tone and fade dark patches. It works by inhibiting an enzyme called tyrosinase, which is involved in the production of melanin, the pigment responsible for skin color. Hydroquinone (4%): Hydroquinone is a well-known depigmenting agent used to lighten dark spots, hyperpigmentation, and melasma. Tri-Luma cream contains a combination of three active ingredients: The plastic insert initiates the expansion of the bullet by being forced into the hollow cavity upon impact. Plastic inserts in the hollow, which provide the same profile as a full-metal-jacketed round (such as the Hornady V-Max bullet).Solid copper hollow points, which are far stronger than jacketed lead, and provide controlled, uniform expansion even at high velocities.While very effective in lightly clothed targets, these bullet types tend to plug up with heavy clothing materials that results in the bullet not expanding. Posts in the hollow cavity to cause hydraulic expansion of the bullet in tissue.Fluted or otherwise weakened jackets to encourage expansion or fragmentation.Bonding the lead core to the copper jacket to prevent separation and fragmentation.Partitions in the middle of the bullet core to stop expansion at a given point.Jackets that are thinner near the front than the rear to allow easy expansion at the beginning, then a reduced expansion rate.Modern hollowpoint bullet designs use many different methods to provide controlled expansion, including: At the lower handgun velocities, hollow point designs are generally the only design that will reliably expand. At rifle velocities, a hollow point is not needed for reliable expansion and most rifle ammunition makes use of tapered jacket designs to achieve the mushrooming effect. In modern ammunition, the use of hollow points is primarily limited to handgun ammunition, which tends to operate at much lower velocities than rifle ammunition (on the order of 1,000 feet per second (300 m/s) versus over 2,000 feet per second). Although such bullet designs were quickly outlawed for use in warfare (in 1898, the Germans complained they breached the Laws of War), they steadily gained ground among hunters due to the ability to control the expansion of the new high velocity cartridges. This led to the development of the soft-point bullet and later jacketed hollow-point bullets at the British arsenal in Dum Dum, near Calcutta around 1890. The new full metal jacket bullets tended to penetrate straight through a target causing less internal damage than a bullet that expands and stops in its target. These new bullets (especially in rifles) needed to be jacketed to handle the conditions of firing. With the advent of smokeless powder, velocities increased, and bullets got smaller, faster, and lighter. 44-40 calibers could also be fired in revolvers. Originally intended for rifles, the popular. In addition to providing increased velocities, the hollow also turned out to provide significant expansion, especially when the bullets were cast in a soft lead alloy. The first hollow-point bullets were marketed in the late 19th century as express bullets and were hollowed out to reduce the bullet's mass and provide higher velocities. This, combined with the limited velocity and penetration attainable with muzzleloading firearms, meant there was little need for extra expansion. Solid lead bullets, when cast from a soft alloy, will often deform and provide some expansion if they hit the target at a high velocity. Plastic-tipped bullets are a type of ( rifle) bullet meant to confer the aerodynamic advantage of the Spitzer bullet (for example, see very-low-drag bullet) and the stopping power of hollow-point bullets. They are more accurate and predictable compared to pointed bullets which, despite having a higher ballistic coefficient (BC), are more sensitive to bullet harmonic characteristics and wind deflection. In target shooting, they are used for greater accuracy due to the larger meplat. Hollow-point bullets are used for controlled penetration, where overpenetration could cause collateral damage (such as aboard an aircraft). The expanded lead bullet and copper jacket are separatedĪ hollow-point bullet is a type of expanding bullet which expands on impact, causing a more lethal hit without penetrating further than necessary. 40 S&W round, complete cartridge and expanded bullet A 9mm hollow point cartridge, along with unexpanded and expanded bullets. 45 ACP Federal HST 230gr hollow point cartridge, with two rounds of CCI Standard Velocity. JSP is a semi-jacketed round as the jacket does not extend to the tip Various hollow points. Right: Jacketed hollow-point (JHP) round. ( January 2022)Ĭross-section of a hollow-point bullet proportions are those of a. Please consider expanding the lead to provide an accessible overview of all important aspects of the article. This article's lead section may be too short to adequately summarize the key points. Companies and registered organisations pay around 1–3 SEK (depending on bank) per received payment in addition to a small yearly fee, and are not allowed to charge the customer for their Swish fee. The service is free for private users since the start 2012. As such, Swish is used for transactions that used to be mostly cash-based. Prior to the implementation of Swish, cash was the primary means for many of these types of real-time transactions. It is possible to pay by scanning a QR code. In January 2017 Swish was launched for web based sales which quickly became popular, for example used by the train operator SJ. In 2014 organisations could register for receiving payments, although some organisations used a private bank account of someone in the organisation before that. Small companies who wished to avoid credit card charges and simplify online payments soon followed suit. Swish was originally intended for transactions between individuals, but soon it started to be used for flea markets and collections at church services, and by sports clubs and other organisations as payment at small events where a credit card reader would be too expensive or otherwise impractical. The actual transfer is done by the Bankgirot clearing system, which developed instant payments for the Swish system. The phone number can be of another country. Users who have a Swedish bank account but no suitable phone can register for reception only of payments. This requires that the user has a bank account in a Swedish bank participating in the system, and also a national ID number. The user must have a second mobile application called Mobilt BankID Säkerhetsapp, which is an electronic identification issued by several banks in Sweden. The service works through a smartphone application, through which the users' phone numbers are connected to their bank accounts, and which makes it possible to transfer money in real time, a few seconds until confirmation is received by both parties. Swish is a member of the European Mobile Payment Systems Association. It had 8 million users as of July 2022 (total Swedish population: 10.2 million). The service was launched in 2012 by six large Swedish banks, in cooperation with Bankgirot and the Central Bank of Sweden. Swish ( Swedish pronunciation: or ) is a mobile payment system in Sweden. The top attraction here is the Louisville Slugger Museum & Factory. Louisville is approximately two and a half hours away from the lake and is a gold mine for interesting places to visit. It is renowned as “The Houseboat Capital of the World.” For those who prefer to sleep on land, the area is also home to many cabins and campsites.Īctivities off the water are also plentiful, such as disc golf, geocaching, hiking, miniature golfing, picnicking, and exploring the beautiful surrounding nature. Houseboats are a token on Lake Cumberland. The local marinas offer open slips, rental fishing boats, pontoon boats, houseboats, and ski boats.Ĭovering 50,250 acres, the lake has an abundance of largemouth bass, smallmouth bass, white bass, Kentucky bass, bluegill, crappie, rockfish, and walleye. Lake Cumberland is a paradise for water sports enthusiasts. In downtown Jamestown, hungry Cumberland Lake residents can dine at the Jamestown Cafe, Giovanni's Pizza, or Pepe’s Mexican Grill. Other restaurants around the water include The Pizza Man, Reel Java, Fishtales, and Marina Rowena. There is a restaurant at the Jamestown Marina on the north side of the lake. Within 30 minutes from Dollar General Market, Hardscratch General Store, and Kroger. Russell County Hospital is just 23 minutes away, and the lake is a little over two hours from Louisville International Airport. Lake Cumberland, one of the largest and most visited lakes in the eastern United States, is a massive reservoir just south of Jamestown, Kentucky, and a little over two hours from Lexington. Molecules with rings have additional sigma bonds, such as benzene rings, which have 6 C−C sigma bonds within the ring for 6 carbon atoms. There is no more than 1 sigma bond between any two atoms. This rule is a special-case application of the Euler characteristic of the graph which represents the molecule.Ī molecule with no rings can be represented as a tree with a number of bonds equal to the number of atoms minus one (as in dihydrogen, H 2, with only one sigma bond, or ammonia, NH 3, with 3 sigma bonds). According to the sigma bond rule, the number of sigma bonds in a molecule is equivalent to the number of atoms plus the number of rings minus one. Organic molecules are often cyclic compounds containing one or more rings, such as benzene, and are often made up of many sigma bonds along with pi bonds. These sigma bonds can be supplemented with other bonding interactions, such as π-back donation, as in the case of W(CO) 3( PCy 3) 2(H 2), and even δ-bonds, as in the case of chromium(II) acetate. Transition metal complexes that feature multiple bonds, such as the dihydrogen complex, have sigma bonds between the multiple bonded atoms. For example, propane is described as consisting of ten sigma bonds, one each for the two C−C bonds and one each for the eight C−H bonds. The concept of sigma bonding is extended to describe bonding interactions involving overlap of a single lobe of one orbital with a single lobe of another. Sigma bonds are obtained by head-on overlapping of atomic orbitals. A double bond has one sigma plus one pi bond, and a triple bond has one sigma plus two pi bonds. Typically, a single bond is a sigma bond while a multiple bond is composed of one sigma bond together with pi or other bonds. When viewed down the bond axis, a σ MO has a circular symmetry, hence resembling a similarly sounding "s" atomic orbital. Sigma bonds are the strongest type of covalent bonds due to the direct overlap of orbitals, and the electrons in these bonds are sometimes referred to as sigma electrons. The corresponding antibonding, or σ* orbital, is defined by the presence of one nodal plane between the two bonded atoms. The extent of this mixing (or hybridization or blending) depends on the relative energies of the MOs of like symmetry.ġsσ* antibonding molecular orbital in H 2 with nodal planeįor homodiatomics ( homonuclear diatomic molecules), bonding σ orbitals have no nodal planes at which the wavefunction is zero, either between the bonded atoms or passing through the bonded atoms. As a practical consequence of this mixing of diatomic molecules, the wavefunctions s+s and p z+p z molecular orbitals become blended. Quantum theory also indicates that molecular orbitals (MO) of identical symmetry actually mix or hybridize. By this definition, common forms of sigma bonds are s+s, p z+p z, s+p z and d z 2+d z 2 (where z is defined as the axis of the bond or the internuclear axis). In this formal approach, a σ-bond is symmetrical with respect to rotation about the bond axis. Sigma bonding is most simply defined for diatomic molecules using the language and tools of symmetry groups. They are formed by head-on overlapping between atomic orbitals. In chemistry, sigma bonds ( σ bonds) are the strongest type of covalent chemical bond. Moreover, the matrix is always positive definite that is to say, the eigenvalues are all strictly positive.Covalent chemical bond σ bond between two atoms: localization of electron density In particular, if the set is normalized (though not necessarily orthogonal) then the diagonal elements will be identically 1 and the magnitude of the off-diagonal elements less than or equal to one with equality if and only if there is linear dependence in the basis set as per the Cauchy–Schwarz inequality. Ī quantitative measure of the overlap of two atomic orbitals Ψ A and Ψ B on atoms A and B is their overlap integral, defined as The carbon hybrid orbitals have greater overlap with the hydrogen orbitals, and can therefore form stronger C–H bonds. Pauling proposed that s and p orbitals on the carbon atom can combine to form hybrids (sp 3 in the case of methane) which are directed toward the hydrogen atoms. As s orbitals are spherical (and have no directionality) and p orbitals are oriented 90° to each other, a theory was needed to explain why molecules such as methane (CH 4) had observed bond angles of 109.5°. Linus Pauling explained the importance of orbital overlap in the molecular bond angles observed through experimentation it is the basis for orbital hybridization. Orbital overlap can lead to bond formation. In chemical bonds, an orbital overlap is the concentration of orbitals on adjacent atoms in the same regions of space. Concentration of chemical orbitals on adjacent atoms Integrating Xero with Gusto ensures that your general ledger will update automatically whenever you process payroll. While Xero doesn’t offer its own U.S.-based payroll plan, it syncs seamlessly with the payroll provider Gusto, as well as other popular payroll services like ADP and Paychex. Like QuickBooks, Xero’s pricing depends on your location. (Note that the 50% discount applies to the base fee only, not the per-employee fee.) Payroll Elite: $125 per month, plus $5 per employee per month.Īs with QuickBooks Online, QuickBooks Payroll users can sign up for 50% off their payroll plan’s base price for the first three months.Payroll Premium: $75 per month, plus $8 per employee per month.Payroll Core: $45 per month, plus $5 per employee per month.QuickBooks Online Payroll has three main plans with the following monthly fees: While you won’t get a discount by bundling QuickBooks’ accounting and payroll software, it’s simpler to buy and pay for both plans at once if you plan to pay employees with QuickBooks Payroll. Intuit also offers a cloud-based payroll product called QuickBooks Online Payroll. The rates below are for United States customers only:Īgain, if you opt out of the free trial, you’ll get 50% off the base fee for your first three months of service. QuickBooks pricing varies depending on your country. However, you should know that QuickBooks Online lets new customers choose between a 30-day free trial or 50% off for three months. Both platforms offer a 30-day free trial to enable new customers to try it out before making a purchase decision. Featured Partnersīoth QuickBooks and Xero offer tiered pricing, and the best plan for you is one that includes the features you need. Pricing and plan details up to date as of. Limited hours and support for non-priority customers To help you determine how both tools stack up, here is a head-to-head comparison chart featuring pricing and other capabilities. It also provides access to a wide range of add-on applications from partners and third-party developers, including payroll, customer relationship management and point-of-sale solutions.įor more information, read our in-depth Xero review. It helps businesses track expenses, manage invoicing, automate payments and manage inventory. Xero is an online accounting software tool that can work nicely for large businesses but that mainly targets small and midsize businesses. The cloud-based QuickBooks Online lets business owners manage accounting, accept online payments, manage and pay bills, and much more.įor more information, read our in-depth QuickBooks review. Its products are intended to help businesses of all sizes, from small and midsize businesses to corporations and enterprises. QuickBooks Online is an accounting software tool developed and marketed by Intuit. Overview of QuickBooks Online and Xero Image: QuickBooks Should your organization use Quickbooks Online or Xero?.In this article, we list their core features, pricing, pros and cons, as well as the type of company each bookkeeping tool is suitable for. We researched both tools extensively to help you determine the best one for your company. QuickBooks and Xero are two of the best accounting software options with a range of plans and packages that can work for freelancers, small businesses and large enterprises alike. For more info, visit our Terms of Use page. This may influence how and where their products appear on our site, but vendors cannot pay to influence the content of our reviews. We may be compensated by vendors who appear on this page through methods such as affiliate links or sponsored partnerships. Meanwhile, QuickBooks' comprehensive features are ideal for growing businesses. 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