![]() ![]() The instructions below will require the use of a computer in order to download the IPTV app. With the paid version, you will get rid of the ads, and it also supports software remote control for MAG 250. Using a Roku device, we must sideload IPTV on the Roku device. There is also a pro version of this tool that you can buy for a small fee. Once the app has been set up, if you have done everything correctly, you will be able to watch TV on your Android and operate it from the touch buttons that appear on the screen when you touch it. StbEmu lets users open web portals designed to run on IPTV STB and watch TV online. Users have to change the name, configure the portal, add the URL, choose the STB model, the MAG version, and the screen resolution, among other details. As STBEmu is an emulator, it does not house any content or channels. On the other hand, STBEmu Pro costs 5.49 and provides you with a premium and ad-free streaming experience. From there, you need to set up your profile, which is the most complicated part of the process. Moreover, Two STBEmu apps are currently available in the market, STBEmu and STBEmu Pro. Junior Member Join Date: Jul 2018 Posts: 15 3. Or try a different applications besides the stb emu. Any ideas or help This happening with all movies You can try changing media players. StbEmu Pro is a stable IPTV app, providing all the functionalities of a traditional service. Live channels working on StbEmu but getting SERVER UNAVAILABLE on video club. The app features a user-friendly interface identical to various traditional IPTV services like MAG and Aura HD. Your IPTV provider will provide the two las ones. What is Stb-Emu Pro StbEmu Pro is an IPTV app that allows users to watch internet-based television without a traditional set-top box. The Apple TV app used to work fine on my roku, now when I go into the app the main screen & menus is zoomed in so its. For this, you will need specific elements: StbEmu, formerly known as IPTV STB Emulator, is a tool that lets users open web portals prepared to run on IPTV STB and watch TV on their Android terminals using the internet. They will have to use the remote to control the device, but with StbEmu, it is different because it will combine a touch display with a physical user control panel on the smartphone or tablets. ![]() Suppose the user uses the downloaded STB Emu Pro IPTV app. Who wouldn't want to watch TV on their Android device? That is what you can do with this app by the developer Maxim Vasilchuk if you have a subscription to an IPTV provider. A NICE CONTROL PANEL FOR THE BEST USERS EXPERIENCE. ![]()
0 Comments
![]() Unlike Western notation, Byzantine neumes used since the 10th century were always related to modal steps (same modal degree, one degree lower, two degrees higher, etc.) in relation to such a clef or modal key ( modal signatures). These fragments just present the hymn text following a modal signature or key (like " ΠΛ Α" for echos plagios protos or " Β" for echos devteros). The earliest evidence are papyrus fragments of Greek tropologia. Since the 6th century, Greek theoretical categories ( melos, genos, harmonia, systema) played a key role to understand and transmit Byzantine music, especially the tradition of Damascus had a strong impact on the pre-Islamic Near East comparable to the impact coming from Persian music. Ancient Greece įurther information: Byzantine music Byzantine music notation in the first edition (1823) of Macarie Ieromonahul's anastasimatarion, a hymnal with daily chant (including resurrection troparia called apolytikia anastasima) in oktoechos order, each section began with the evening psalm 140 (here section of echos protos with Romanian transliterated in Cyrillic script)īyzantine music once included music for court ceremonies, but has only survived as vocal church music within various Orthodox traditions of monodic ( monophonic) chant written down in Byzantine round notation (see Macarie's anastasimatarion with the Greek text translated into Romanian and transliterated into Cyrillic script). The music notation is the line of occasional symbols above the main, uninterrupted line of Greek lettering. A photograph of the original stone at Delphi containing the second of the two Delphic Hymns to Apollo. ![]() Although they are fragmentary, these tablets represent the earliest notated melodies found anywhere in the world. Although the interpretation of the notation system is still controversial, it is clear that the notation indicates the names of strings on a lyre, the tuning of which is described in other tablets. A tablet from about 1250 BCE shows a more developed form of notation. ![]() The tablet represents fragmentary instructions for performing music, that the music was composed in harmonies of thirds, and that it was written using a diatonic scale. The earliest form of musical notation can be found in a cuneiform tablet that was created at Nippur, in Babylonia (today's Iraq), in about 1400 BCE. History Ancient Near East įurther information: Music of Mesopotamia and Hurrian songs A tablet with the Hymn to Nikkal inscribed Music notation has been adapted to many kinds of music, including classical music, popular music, and traditional music. In the contemporary classical music of the 20th and 21st century, music notation has continued to develop, with the introduction of graphical notation by some modern composers and the use, since the 1980s, of computer-based score writer programs for notating music. In the classical period (1750–1820) and the Romantic music era (1820–1900), notation continued to develop as new musical instrument technologies were developed. Music notation developed further during the Renaissance and Baroque music eras. The church began notating plainchant melodies so that the same chants could be used throughout the church. The seeds of what would eventually become modern Western notation were sown in medieval Europe, starting with the Christian Church's goal for ecclesiastical uniformity. ![]() 1980s) or other printing or modern copying technology.Īlthough many ancient cultures used symbols to represent melodies and rhythms, none of them was particularly comprehensive, which has limited today's understanding of their music. The symbols used include ancient symbols and modern symbols made upon any media such as symbols cut into stone, made in clay tablets, made using a pen on papyrus or parchment or manuscript paper printed using a printing press ( c. Even in the same time period, such as in the 2010s, different styles of music and different cultures use different music notation methods for example, for professional classical music performers, sheet music using staves and noteheads is the most common way of notating music, but for professional country music session musicians, the Nashville Number System is the main method. The types and methods of notation have varied between cultures and throughout history, and much information about ancient music notation is fragmentary. The act of deciphering or reading a piece using musical notation, is known as " reading music". ![]() Musical notation is any system used to visually represent auditorily perceived music, played with instruments or sung by the human voice through the use of symbols, including notation for durations of absence of sound such as rests. This is the beginning of the Prelude from the Suite for Lute in G minor, BWV 995 (transcription of Cello Suite No. For the XML application, see Music Markup Language. ![]() ![]() ![]() You can also compete on our leaderboards by getting the lowest score based on the total number of moves and time. Play in full-screen mode or on your phone. Thanks for playing.Start playing unlimited games of FreeCell Solitaire. If you have time to send a screenshot or app name you can tap the settings menu in-game and contact support to send any info you have. We would love to have any information you can provide on ads like that so we can stop them. I hope that doesn’t happen because I really did love this game. ENOUGH IS ENOUGH!!! GIVE US BACK THE GAME SO MANY OF US HAVE LOVED FOR YEARS!!! If it continues in its current state I guess my only choice is to delete it. How many ads do you have to have? STOP THE GREED. Meanwhile, you always have ads running in a banner at the bottom of the screen. Then, when you’re able to click them off, they go to another screen that doesn’t allow you to click off until IT runs for a while. Recently they’ve added the most OBNOXIOUS ads that also feature SOUND! Not only that, but most of the ads cannot be clicked off until they have finished running for a while. I have been playing this game for several years now and it was ABSOLUTELY GREAT! I would have given it 10 stars in the past. Now it’s every time you start a new game! I guess I’m going to delete the game because I’m watching more ads than playing time. Also, it used to be that you were subjected to the ads only after you won a game. I’m not sure how they did it, but they have managed to make the latest version with even MORE ADS THAT ARE EVEN MORE OBNOXIOUS!!! Sometimes you have to click up to 5 times (with the requisite delay before the X appears)on 5 different pages to get back to the game only to have another pop up ad after you start the new game. I’m updating this review after the latest app update. Used to love it, now I HATE it!!! UPDATED If you love spider solitaire or want to try it out, definitely download this app! My fiancée gets a bit annoyed because I spend hours on this app. ![]() I also love that I only have to tap a card for it to move, but I can also drag a card to a specific spot. It is actually really difficult! I love that the undo button let’s me undo all the way to the beginning, so even if I’m stuck at the end, I can try again without ruining my streak. I typically play on the Bold difficulty, which means there are 3 different suits in play. HOWEVER, the ad is always short and can be skipped relatively quickly. After winning a round, an ad will play before you start a new round. The ads are at the bottom, but don’t interfere with gameplay ever. I’m a huge solitaire fan, especially Spider Solitaire. People always say that they never write reviews until that one game just changes everything. The feeling of playing Solitaire is not just that of playing cards… it's the feeling of being part of a community… an enriching, shared experience that never makes you feel apart! Spider Solitaire is part of our family of card games and puzzle games, all created with the same mix of passion for enjoyment, midnight oil, and deep technology skills to bring you the best solitaires… try the difference! Your iPhone, iPod, or iPad automatically selects for you the iPhone app and iPad app. Solitaire is an iPhone game and an iPad game combined into one iOS app. With this solitaire card game you also get all the nice features you would expect from a first class card game, such as: Solitaire makes it amazingly natural to control the cards movements and to feel in control: With tap-to-place, you simply tap the right card and it magically does the right move, or when you prefer you can also use our assisted drag-and-drop to move a card anywhere it creates a valid move. :) Check out the rest of our raving reviews. :) "Spider is a hard one to beat! - Really enjoy the challenge. :) "Great - I play every chance I get, I love this game :)" This is what some of our players are saying: Spider Solitaire, along with Solitaire (Klondike), FreeCell Solitaire, Spiderette Solitaire, and Card Games solitaire, is part of our family of card games and puzzle games, all created with the same mix of passion for enjoyment, midnight oil, and deep technology skills to bring you the best solitaires… try the difference. ![]() ![]() With this solitaire game you get unlimited puzzle games, all free games, all best of class games, and we have added a Smart Point System and multiple levels of difficulty: Easy, Medium, Hard, Bold, and Expert :) No wonder this free solitaire is rated so highly!Īnd, with our optional extra-large card symbols, squinting the eyes is a thing of the past! This is a card game like one you have never experienced before. Spider Solitaire is the #1 free card games solitaire! Discover the next evolution of the classic free spider solitaire with amazing graphics and ease of use. ![]() ![]() ![]() SPRX files located in USRDIR/master/prx and replace the ones in your converted game.Ĭopy & replace EBOOT.BIN of your converted game with the DEMO ver. ![]() Generate a new LIC.DAT before you convert the game.Ĭopy all. Game can be played without Move controllers by disabling it in the game settings. After restoring the backup, install the patch. Place the official patch into the /pkg folder of TABR and use "Add a patch" option when injecting. Use PS3GameConvert_v0.91 if you encounter error 8001003E. The patch with the changed PARAM.SFO needs to be thrown to another folder, for example BLUS30347GAME, and the patch game without changes to the native folder (BLUS30347). The game with the patch and the modified PARAM.SFO must be thrown to another folder, for example BLES00404GAME, as well as the patch separately unchanged in the native folder (BLES00404). Copy both your BLUS31270 and NPUB31270 to your OFW PS3. Copy all of the contents of the converted BLUS31270 into the BLUS31270 folder you had created, and overwrite all. Use the game converter on it, and then navigate to NPUB31270/USRDIR and delete everything except EBOOT.bin. SPRX files located in USRDIR/BINARIES/PS3/XJOB/SHIPPING.Ĭreate a BLUS31270 folder and copy USRDIR from the full game directory. You must pre-install game data before DTU.īCUS98298 - Requires Demo EBOOT, Edit PARAM.SFO Category from DG Disc Game (blueray) to HG Harddrive Game, Game Conversion not required.Ĭopy & replace all 42. ![]() ![]() I love that you can get a small box of 3 reams instead of having to buy one at a time or a whole case of 10. You can also get a color laser printer which I would LOVE to have!įor everyday printables, planners, and coloring pages for the kiddos I normally use Hammermill Printer Paper, 20 Lb. The quality of the finished product is amazing! If you don’t need a color printer, I highly recommend a laser printer like the Brother L23 Series. I used to grocery shop each week, so my first free printable grocery list only had space for one week of meal planning.If you’re going to be printing in color, I really recommend investing in an HP Instant Ink-compatible printer. Then, using my meal plan as a reference, I can go through and add all of the ingredients I’ll need to make my planned dinners. ![]() I also add in any snacks, as well as household items that may be running low. Since we have the same general foods for breakfast and lunch every day, I can just add those to my list. ![]() When I started streamlining my meal planning process by category, instead of spending what felt like hours planning, I could finish in about three minutes! Now I call that a serious win! Add grocery list items when meal planning is complete. We have had a whole lot less complaining at dinnertime! I purposefully chose categories that would easily accommodate the food preferences/ allergies/ sensitivities of all of the members of our family. On Tuesday, we could have actual tacos or we could do enchiladas or quesadillas, etc.) (On Mondays we could have spicy chicken in the CrockPot or a roast in the CrockPot or a CrockPot casserole. There are enough variations from each category that we don’t get bored. So when I was creating my shopping list printable, I was sure to add in some boxes for meal planning right on the same page. We throw away much less food, and there’s never rarely the panic of “What am I going to make for dinner?!” I know meal planning isn’t for everyone, but it has been a total time and money saver for me. This helps me to fill out the rest of my list more quickly and easily. The first thing I always do when I go to make a grocery list is to plan out our dinners for the next week or two. □ ) And my grocery list printable was born! Start your grocery list by meal planning. Soon after that, I realized that I could just make a printable version and wouldn’t have to rewrite all of my categories all the time. This allowed me to easily see what I needed from each section of the store. But when I realized that I was walking back and forth across the store multiple times to get the items I needed in different aisles, I began breaking my list into categories. I used to just write it down on a piece of paper like a normal person. You see, I happen to be just slightly neurotic about my grocery list. For more information, see my disclosures here. Free Printable Grocery List Templates: Frequently Asked Questionsįree Printable Grocery List Template and Meal Planner.Why use a grocery list template and meal planner?.Add grocery list items when meal planning is complete. ![]() Start your grocery list by meal planning.Free Printable Grocery List Template and Meal Planner. ![]() ![]() ![]() As soon as the conversion is finished you can download the file by clicking on the download button.ĭaily Proverb Ytmp3 : A stitch in time saves nine. To convert a video, copy the YouTube video URL into our converter or use the search functionality to find YouTube video you want to convert to mp3,Ĭhoose a format of MP3 or MP4 now and click the convert button. Yet by using our service you areĪccepting our terms of use, so please read those. Our service is for free and does not require any software or registration, as you now see. There are some advanced settings like modifying frames and quality/size of the video. Free MPEG Video Converter Factory is the easy-to-use video conversion software that you can easily to convert video to MPEG and many more file formats. Then just choose an output file and click Start. Paste the copied link to the application by clicking 'Paste' button. Copy the link to the file or click right button of your mouse on the video itself and choose 'Copy video URL'. Open a video file, DVD, or whole folder to convert. How to convert any video to MP3 using Free YouTube to MP3 Converter. This way the conversion of any video will not take more than a couple of minutes at the most. FFCoder is a free video converter with a simple design that makes it easy for anyone to use. We set this limitation because it was necessary to create smaller and faster work orders, ![]() You can convert from dozens of input formats. On pasting the YouTube video URL in the search box and clicking the Search button. Download video from YouTube, Vevo, Facebook, and other 1000. Please note that we can only process videos less than or up Read reviews, compare customer ratings, see screenshots, and learn more about The Video Converter. is another Video to MP3 converter that comes with a good amount of advanced features. Convert MP4 to MPG or 500+ formats at 90X faster speed. We always convert video into the highest possible audio quality. Our app service works for all kinds of computers, laptops, even most tablets and definitely all mobile devices. Select 'Extract audio' and pick MP3, OGG or M4A, then click. ![]() Here at YTMP3 you can be using our converter to easily convert YouTube videos to mp3 (audio format) or mp4 (video format) files and downloadįor free. Copy the URL of a video from your web browser (it supports YouTube, Vimeo, Facebook, Flickr and DailyMotion) and click 'Paste URL'. ![]() ![]() ![]() However, one overlooked solution to this issue is using Extended Fire Resistance Potions.Įxtended Fire Resistance Potions are powerful consumables that provide players with up to 8 minutes of fire resistance. Players can use various tactics to protect themselves, such as building shelters and crafting weapons. One of the biggest challenges in this game is surviving attacks from hostile mobs, especially during nighttime. Roblox Minecraft is a game that offers players the opportunity to test their creativity and survival skills. So next time you find yourself with some spare ingredients laying around – why not try your hand at creating some powerful potions? Maximizing Protection Time with Extended Fire Resistance Potions in Roblox Minecraft Overall, mastering the Brewing Process in Roblox Minecraft can greatly enhance your gameplay experience as it opens up new possibilities for combat strategies or exploration tactics. After a few seconds of waiting, an Awkward Potion will appear which can then be used as a base for other potions by adding additional items like redstone or glowstone dust. Next comes the actual brewing process – this involves placing one item in the top slot of the brewing stand (nether wart for example) followed by three water bottles in the bottom slots. Once obtained, they must be placed into a brewing stand which can be crafted using blaze rods and cobblestone. These can be found by exploring the game world and defeating monsters. While it may seem intimidating at first glance, understanding how to brew in Roblox Minecraft is actually quite easy.įirstly, players need to gather the necessary ingredients: water bottles and various items like nether wart or spider eyes. This process allows players to create custom potions with different effects such as speed, invisibility, and healing. If you’re a fan of both Roblox and Minecraft, then the Brewing Process is definitely something that you should learn. Give yourself an edge over other players today! Understanding the Brewing Process in Roblox Minecraft Gathering Nether Wart and Magma Cream may take some time and effort but with perseverance comes reward once Blaze Powder has been added as the final component. In summary, creating a Fire Resistance Potion is an essential task for any player looking to keep their character safe in Roblox Minecraft’s fiery world. With this potent potion at hand, your character will become impervious to flames for a brief period – perfect for exploring fiery landscapes or battling dangerous monsters! ![]() Once you’ve gathered both of these ingredients together, brew them up into Fire Resistance Potions using Blaze Powder as your final component. The next ingredient is Magma Cream, which can be obtained by defeating Magma Cubes in the Nether Dimension. Once you’ve collected enough of it, combine it with water bottles in a brewing stand to create Awkward Potions. The first ingredient is Nether Wart, which can be found growing throughout Nether Fortresses in the game. ![]() To create this powerful potion, there are several key materials that you’ll need to gather first. If you’re playing Roblox Minecraft and want to make sure that your character is safe from fire, then you’ll need a Fire Resistance Potion. Plus as an experienced Minecrafter who loves crafting custom potions, I’m here to answer any questions you may have about making these powerful defensive brews! So let’s get started and learn all there is to know about creating effective Fire Resistance Potions in Minecraft! Gathering Materials for Your Fire Resistance Potion in Roblox Minecraft You’ll also learn tips on how to maximize your protection time by using extended potions. In this article, we’ll go over the ingredients needed to craft your own Fire Resistance Potion along with the brewing process. With this step-by-step guide, I’ll show you exactly how to make this epic Potion of Fire Resistance in Minecraft! ![]() Are you a fan of Minecraft and looking to become invincible? If so, I have the perfect potion for you – a fire resistance potion! It will help protect you from flaming arrows, lava, and fire-breathing creatures. ![]() ![]() Each party must be served a notice of the hearing at least 14 days before the hearing, which may be either in the form of a written submission or an oral argument. Once the motion is filed, the hearing must occur within 21 days. The motion must be filed within 60 days of being served, and any response must be filed “not later than 7 days before the date of the hearing. 2019).Ī motion filed under Rule 91a should include the following: a statement declaring that the motion is brought under 91a, identification of each specific cause of action for dismissal, and details about why each action “has no basis in fact.” Tex. App.-Houston June 6, 2019, no pet.) see also Sabre Travel Int'l, Ltd. 1, “a cause of action has no basis in law if the allegations, taken as true, together with the inferences reasonably drawn from them, do not entitle the claimant to the relief sought.” It does, however, include two specific situations for dismissal: “too few facts to demonstrate a viable, legally cognizable right to relief” or “additional facts that if true bar recovery.” Galperin v. This 2019 amendment may lead to 91 a being used more frequently as a means to dismiss cases in Texas.Īccording to Tex. As a result, the legislature made a simple but impactful edit, changing the word shall to the word may, thus making the award of attorneys’ fees and costs permissive. See Senate Research Center, Bill Analysis and HRO Bill Digest, H.B. Initially, Rule 91a was not often used, perhaps due to the mandatory awarding of costs and attorneys’ fees, which seemed to deter its use. As a result of this 2011 mandate, the Texas Supreme Court created Rule 91a, which went into effect in March of 2013. 274 (82 nd R.S.) that the Texas Supreme Court create rules to allow for cases to be dismissed if they “have no basis in law or fact on motion and without evidence.” In addition, the legislature mandated that attorneys’ fees and costs should be awarded to the successful party in the motion. ![]() To address such frivolous cases, the Texas Legislature mandated in H. ![]() ![]() While many lawsuits play an important role in providing justice, some do not warrant the time and expense required to bring them to court. ![]() ![]() Utilize ImageMagick from the command-line. Non-linear, edge-preserving, and noise-reducing smoothing filter.Īccurate color management with color profiles or in lieu of- built-in gamma compression or expansion as demanded by the colorspace.įorce all pixels in the color range to white otherwise black. Here are just a few examples of what ImageMagick can do for you:Ĭreate a GIF animation sequence from a group of images. Its support for scripting and automation, along with its other features, make it a valuable tool for a wide range of image-related tasks. Overall, ImageMagick is a powerful and versatile software suite for displaying, converting, and editing image files. These features make it a versatile tool for a wide range of image-related tasks, including graphic design, scientific visualization, and digital art. ![]() In addition to its core image manipulation capabilities, ImageMagick also includes a number of other features, such as support for animation, color management, and image rendering. This can be especially useful for tasks that require the processing of large numbers of images, or for tasks that need to be performed on a regular basis. This allows users to create complex image manipulation pipelines that can be run automatically, without the need for manual intervention. One of the key features of ImageMagick is its support for scripting and automation. Also, it's important to verify your policy using the validation tool. You can find guidance on setting up this policy. In addition, we maintain a legacy version of ImageMagick, version 6.Ĭreating a security policy that fits your specific local environment before making use of ImageMagick is highly advised. The source code for this software can be accessed through a repository. The most recent version available is ImageMagick 7.1.1-27. The main website for ImageMagick can be found at. It is written in C and can be used on a variety of operating systems, including Linux, Windows, and macOS. ImageMagick includes a command-line interface for executing complex image processing tasks, as well as APIs for integrating its features into software applications. Its versatile and customizable nature, along with its robust image processing capabilities, make it a popular choice for a wide range of image-related tasks. ![]() ImageMagick is widely used in industries such as web development, graphic design, and video editing, as well as in scientific research, medical imaging, and astronomy. It can be used to create, edit, compose, or convert bitmap images, and supports a wide range of file formats, including JPEG, PNG, GIF, TIFF, and PDF. ImageMagick ® is a free, open-source software suite, used for editing and manipulating digital images. ![]() ![]() We maintain a firewall between our advertisers and our editorial team. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. We do not include the universe of companies or financial offers that may be available to you.īankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. But this compensation does not influence the information we publish, or the reviews that you see on this site. ![]() This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. The offers that appear on this site are from companies that compensate us. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.īankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. 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.We are an independent, advertising-supported comparison service. 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 |