![]() Silencers cannot be imported into the country by civilians. The 7.62 Soviet’s cartridge taper prevented reliable feeding in AR magazines and created wear on the bolt. The 300 AAC Blackout was designed to achieve energies similar to the 7.62×39mm Soviet in an AR-15 while using standard AR magazines at their full capacity. … Solid Copper Hollow Point that expands dramatically at subsonic velocity (1,000 fps). Super Vel cracked the code of making a subsonic expanding bullet with a 115 gr. But if you reduce the velocity to a subsonic 1100 fps, it produces only 150 foot-pounds. At 3250 fps, it produces 1,280 foot-pounds of energy at the muzzle. Anything faster is supersonic, anything at or around that speed is transonic, and anything below that velocity is subsonic. Technically, any ammunition that achieves less than supersonic velocity is in and of itself subsonic, which is 1,126 ft per second. It’s a great solution for anyone with smaller hands looking for a compact, concealable, and effective (plus effectively suppressed) sidearm. … 380 pistol means more accurate follow-up shot placement. 380 subsonic?ģ80 ACP ammo is also subsonic. This new Federal 9mm ammo offers great noise reduction while making no compromise to quality, reliability muzzle velocity and muzzle energy. Is 124gr 9mm subsonic?įederal AE Suppressor 9mm ammunition features a subsonic 124 Grain Full Metal Jacket bullet, a non-corrosive primer and virgin brand new never fired brass casing. 45 ACP rounds fired from handguns and submachine guns are inherently subsonic, it is one of the most powerful pistol calibers available for use in suppressed weapons since subsonic rounds are quieter than supersonic rounds. … Supersonic Flow: When Mach number is greater than 1.0 or V is greater than C, then the flow is called Supersonic Flow. Subsonic Flow: When Mach number is less than 1.0 or V is less than C, then the flow is called Subsonic Flow. Commandos have used subsonic bullets since World War II, though these are mainly effective in smaller guns like the. Does the military use subsonic ammo?Īt present, the Defense Department does not have subsonic bullets “classified for use in the calibers provided by any DoD service.” That doesn’t mean special operations forces never use them. 220 Swift remains the fastest commercial cartridge in the world, with a published velocity of 1,422 m/s (4,665 ft/s) using a 1.9 grams (29 gr) bullet and 2.7 grams (42 gr) of 3031 powder. Generally speaking, the speed of sound is 1,100 feet per second, so anything at that speed or above is considered to be supersonic. At what speed does a bullet go supersonic? The term “hypersonic” describes any speed faster than five times that of sound, which is roughly 760 miles (1,220 kilometers) per hour at sea level, meaning these weapons can travel at least 3,800 miles per hour. Anything going slower than the speed of sound is traveling at subsonic speeds. Anything going faster than the speed of sound, 343.2 m/s (1,126 ft/s), is traveling at supersonic speeds. Supersonic and subsonic refer to speeds faster or slower than the speed of sound. When combined with the correct firearm and noise suppressor, this ammo can make for a reliable and quiet shot, potentially leading to an improved hunting experience and self defense usage. ![]() The main benefit of subsonic ammunition is the lack of noise produced when shooting compared to supersonic ammo. Quite simply, subsonic ammunition is any cartridge that propels its projectile at a velocity that is below the speed of sound- approximately 1100 fps depending on atmospheric conditions and elevation.
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![]() To learn more about Crefcoa's commercial real estate loan and apartment loan programs contact a commercial mortgage loan specialist at 1-84. The commercial mortgage calculator will require the following inputs: length of loan in years, loan amount and interest rate. The FHA DTI Mortgage Calculator powered by Gustan Cho Associates (Gustan Cho Associates) has been designed for users to calculate their DTI in seconds. From new hires to new equipment, growth plans to growing opportunities, explore. Borrower Creditworthiness: The creditworthiness of the borrower, including their credit score, financial history, and debt-to-income ratio, can also impact commercial mortgage rates. ![]() Most commercial lenders require a minimum DSCR of 1.25x. The maximum debt-to-income ratio to get an approve/eligible per automated underwriting system (AUS) is 46.9 front-end and 56.9 back-end debt-to-income ratio on FHA loans. Strengthen your business with access to capital. A Commercial Mortgage Calculator is a tool used to estimate the monthly payments and total costs associated with a commercial mortgage loan. They’re typically about 0.5 to 1 higher than the 30-year prime rate for mortgages. Net operating income is the gross rental income minus expenses. Interest rates on commercial real estate loans tend to be higher than those for residential loans. The DSCR equals annual net operating income divided by annual debt service. The Debt Service Coverage Ratio is a ratio used for commercial loans, apartment loans, and conduit loans. The final ratio used in underwriting a commercial mortgage loan request is the Debt Service Coverage Ratio (DSCR). However, should the commercial property fail to properly service the debt, a global cash flow analysis is used where by the property and borrower's income and expenses are combined in an attempt to get proper coverage for the commercial loan request. In commercial lending, rarely does a commercial lender analyze the borrowers personal debt-to-income ratio, rather the underwriter focuses more on the property's income and expenses. The second ratio that commercial lenders use when underwriting a commercial mortgage loan is the Debt Ratio. The Debt Ratio is the amount of personal monthly debt a borrower has divided by personal monthly income. You can calculate your mortgage qualification based on income, purchase price or total monthly payment. Recently, many commercial mortgage lenders and intermediaries have developed non-conforming commercial loan programs that provide 90% commercial financing. Typically, Loan-To-Value Ratios for commercial real estate loans are capped at 75% or 80%. Lenders will look at your DTI ratio as a way to determine your serviceability, that is, your ability to make mortgage repayments without falling into a tough. your employment income and dividends from shares). personal loans, student loans, and credit card balances) against your income (e.g. The (LTV) equals the amount of the commercial mortgage divided by the market value of the property as determined by a commercial appraisal. A debt-to-income ratio (DTI) balances your debts (e.g. The first ratio commercial lenders look at is the Loan-To-Value Ratio. And it's a key factor that lenders consider when deciding whether to approve you for a mortgage.ĭid you know that the Canadian Mortgage and Housing Corporation (CMHC) may allow you to include rental income in your gross monthly income calculation? And, with Freedom Capital, you may be able to consider more of your rental income towards your ratios.When underwriting a commercial real estate loan, apartment loan, or conduit loan, there are three main ratios commercial lenders use to analyze the approvability of a commercial loan request. The DTI Ratio measures your monthly debt payments against your gross monthly income. Are you thinking about applying for a mortgage? Understanding your Debt-to-Income (DTI) Ratio is crucial! ![]() With the startup plan, you can only pay monthly for the number of users that use the tool. These differences include the upgrade of storage space, having a dedicated support line that trains your employees to onboard on the tool, and the option to pay both annually or monthly in the pro plan. Now, with two new pricing plans, they have integrated most of the features in both the plans and only made some minor differences for the pro or startup plan. Before when they had a free plan, the features were limited with a user cap, number of projects, and only 1 GB of storage. There has been an interesting twist with the recent upgrade of pricing plans. An interesting twist in the recent pricing plans Note: If all else fails, you can always keep your files on a separate storage platform like Dropbox or Google Drive. It all comes down to what your company does and how much storage it realistically needs to function. ![]() Shooting at 4K60 will take up even more space. In fact, 4K video takes up a gigabyte of storage for every minute of footage if you’re filming at 30 frames per second. However, companies that handle very large video editing projects would need some extra space. If your team primarily uploads Word documents and other file formats with a medium-sized footprint, then 500 GB of storage shouldn’t feel too cramped. That being said, even though 500 GB is a lot, it still may not be a lot for those who plan on working with hefty files. We can’t be too hard on Basecamp, since it was nice of them to increase the storage from 1 GB to 500 GB with this new pricing plan. However, if you’re a freelancer or a company with 10 members, then giving $15-$150 every month shouldn’t bother you a lot.Īgain, it all depends on how your business is performing and how you like to finance your options. Sometimes, small companies don’t have the required money to pay off the bills every month and prefer to pay it all at once annually. If you’re more of an annual payer, then this may bother you to pay every single month. So every month, you will be billed for the number of users you have on the team using Basecamp. The startup plan only allows you to make payments monthly and not annually. Otherwise, this restriction is not only reasonable but easy to ignore if you’re an SMB. ![]() If you think the capacity isn’t enough for your current team, or you plan on expanding with new employees soon, then you’d probably be best off going for the premium plan. The website literally says, “great for personal projects, students, freelancers, families, and light use,” so we’re not in a position to criticize the company for limiting features or charging per user here. In the interest of keeping the business afloat, the limitations below have been set for the Basecamp pocket-friendly plan: Billed per user Honestly, the smaller business plan is the best compromise between user accessibility and company sustainability. This is why it’s not surprising that some features are reserved for the premium plan otherwise, no one would upgrade! The good folks who spend hundreds of days each year developing Basecamp deserve to be compensated more for all their hard work. Annual billing for simplified accountingīasecamp for freelancers, startups, or smaller team pricing plan limitations.Priority support with the Basecamp customer service department.We’ll dive deeper into the limitations of the plan for freelancers, startups, or smaller teams below, but for now, let’s take a quick look at the benefits that the Basecamp Pro Unlimited subscription can bring: This estimate wasn’t even for a huge corporation, just a team of 10 people. The Basecamp homepage estimates that companies would pay over four times the price for similar functionality if they used other applications for their needs. Big teams actually pay less for Basecamp than they would if they subscribed to a similar service with per-user pricing. ![]() polish, and might be worn as mourning-rings, or shirt-studs. Our entire luggage collection is rigorously tested to ensure your satisfaction with your purchase and to ensure our luggage can withstand even the toughest travel journey. cabin, is at last annihilated by the stewards informing him that, in. Restrictions vary between airlines – Most importantly, please check before you fly. The small London Fog Lightweight Suitcase is Cabin friendly for most major UK and EU airlines including The London Fog Lightweight Suitcase is available in a variety of colours, including Tuscan red, dark grey, and champagne. Smooth-gliding, 360-degree alloy wheels make it easy to navigate busy airports, train stations, and city streets. As well as a TSA lock as an additional security feature. Whether its luggage sets, a compact cabin bag or a handy travel pillow, youll love these top labels for less. Head this way for top brand luggage and quality travel accessories. With three different sizes, there is a case for everyone regardless of their trip duration. Boarding call for passengers in search of an individual look. Lightweight telescopic handle with locking push button, top and side carry handle.Ultra-Strong, scratch-resistant hard shell body London Fog luggage featuring soft-sided styles with traditional hound’s tooth, plaid prints. ![]() The Cavendish range has a premium, fully lined and branded interior with full-length zipped pockets and elasticated packing straps, making it a stylish travel companion. The Cavendish London Fog Lightweight suitcase with TSA lock.Ī lightweight hard shell suitcase with a TSA lock by London Fog that combines style and durability with refined, modern line detailing. ![]() Going by the previous numbers about 80,000 to 1 lakh students must have logged in at the same time it is like opening a two-by-two door for entry into a large stadium there is going to be a stampede.” Another counsellor added: “Ideally, the process should have been staggered.” Students who have been locked out have requested the embassy to unblock their accounts. I am surprised they did not anticipate the rush. Study abroad counsellor Pratibha Jain said, “This is the first time the consulate website has crashed. Request you to unlock the accounts, at least this time,” said one.Īnother candidate said slots did open initially for Delhi and Kolkata, but as demand surged and applicants kept refreshing, they were locked out. ![]() “My account got locked without a prior warning. The embassy’s tweet warning students not to refresh too often drew scores of replies, many of them seemingly desperate appeals. By afternoon, the site had a message that said: “We are down for maintenance”. Students who kept refreshing in the hope of booking a slot were eventually locked out for “suspicious activity” for 72 hours. Appointments remain available at all posts, and we will continue to add appointments as conditions allow,” the US embassy said in a tweet on Monday after it resumed the process of facilitating travel for those who have to join colleges in July and August. Please remember, do not refresh too often, as you may be locked out of your account. “We are aware of the high demand for student visa appointments. NEW DELHI/MUMBAI: A scramble for interview slots among applicants who have to join US colleges this fall led to glitches on the embassy portal as it resumed processing student visas in India on Monday. What is similar to cranberry juice? Several studies have found that blueberries juice, as opposed to cranberry juice, has a variety of health benefits. Darker cranberry juice contains vitamin E, a beneficial antioxidant, as well as vitamin K, a blood clotting vitamin. Is cranberry juice from concentrate same as pure cranberry juice? When it comes to energy and vitamin content, pure cranberry juice outperforms cranberry concentrate. It is critical to replace lost fluids with plain water and to ensure that you have both electrolytes and water with you. If not monitored, a cranberry juice cocktail cocktail can also have a higher sugar content, which can be harmful. Although the cranberry juice cocktail is useful, it is important to remember that it is not as effective as pure cranberry juice. It has been demonstrated that cranberry juice can help to prevent urinary tract infections. In addition to cranberry juice cocktails, a high-fructose corn syrup or sugar can be added to increase sweetness. Fruit juices are usually added to balance out the tart cranberry flavor, but the label indicates that the product is solely made from fruit juice. Is Cranberry Cocktail The Same As Juice?Ī 100% juice is frequently referred to as cranberry juice. Unless a drink recipe specifically specifies 100 % cranberry juice or a cranberry juice cocktail, the juice should be used interchangeably. Only water is evaporated before the pure juice is produced.Ī 100% juice contains more fruit than a comparable juice due to its higher calorie content and vitamin C content. ![]() ![]() This product contains 50 percent pure fruit juice and is not an extract, but a pure juice concentrate. The juice blend, according to its packaging, is intended to combine the sweetness of apple with the tartness of cranberry. The Ocean Spray cooperative, whose brand name is Cranapple (trademarked as Cranapple), sells a cranberry juice and apple juice blend. The nutritional properties of cranberries and apples, which are both unique, make them both excellent. Some may find it amusing, but the drink contains a variety of health benefits. Ocean Spray’s cranberry and apple juice cocktail is known as Cran-Apple. Cran apple cocktail is also a great way to get your daily dose of fruits and vitamins. It is perfect for any occasion, whether you are looking for a healthy alternative to sugary sodas or want a festive drink to serve at your next holiday party. Once you get them home, make sure they are dry and store them in the refrigerator.Cran apple cocktail is a refreshing and flavorful drink made with real cranberry and apple juices. Avoid cranberries that are wrinkled or look like they are softening. Cranberriesįor making this recipe, you can use either fresh or frozen cranberries. Here the orange juice makes the sauce taste more sweet and fruity. Otherwise, they would burn! Many recipes just use water which is a missed opportunity for flavor. The purpose of the juice is to give the cranberries something to simmer in, so they can cook and break down. I used brown sugar in this recipe, but if you prefer to use an unrefined sugar, I recommend using pure maple syrup or honey. Read more about which apples are best to use in cooking in my guide to apples. I like to use Cortland or golden apples for this sauce because they don’t break down too much, but they do soften enough in the 5 mintes of cooking time. Supreming the orange helps it blend into the sauce and makes the final texture of the cranberry sauce nicer. I have included instructions and a video to show you how to cut the orange away from the pith below. In addition to the zest you’ll also need to “supreme” the oranges. When using the zest in a recipe I opt for organic citrus. You’ll need a whole orange to zest and segment. The resulting sauce is a sweet, tart and unique taste. In the case of this cranberry sauce with apples and orange I used about half the sugar as traditional cranberry sauce and orange juice for the liquid. ![]() Cook the mixtures in a saucepan until the cranberries burst (this takes 5 minutes.) Then as the mixture cools, the natural pectin in the cranberries will thicken the sauce and make it thick. Simply combine cranberries, sweetener (usually sugar) and some sort of liquid. Whole berry cranberry sauce is probably the easiest type of cranberry sauce to make. It has fresh apple and orange in it to help naturally sweeten the sauce. While I love my Mom’s Cranberry Relish made with raw cranberries, I am a big fan of this whole-berry cranberry sauce. From Herb Roasted Turkey to all the trimmings! Not to be forgotten is a delicious homemade Cranberry Sauce recipe. We’re getting ready for Thanksgiving and making all of our lists. Why You’ll Love This Cranberry Sauce With Orange More Cranberry Recipes To Make This Holiday Season.How To Make Cranberry Sauce with Apple and Orange.Why You’ll Love This Cranberry Sauce With Orange. ![]() To go from Free to $30/mo p/user is a big jump even if you only have a team of 5. The only thing I hope they can add is an intermediary pricing plan for companies between 5-Unlimited. It allows me to setup tasks for the project, the guys can check them off as they complete things, and my managers love being able to see exactly what's out there to be finished for billing purposes. So we had to adapt.įieldwire is the perfect solution for us. Themselves however the younger generation is much more geared towards technology and using their phones. My team has struggled midely with keeping up with project tasks and todo's that it was driving me nuts! Some guys take it upon themselves to take notes and document issues, tasks, etc. I could say much more about Fieldwire but will leave it at just get this ’s good. By properly tasking, no one has to build bridges across rivers that already had bridges built on them due to forgetting previous conclusions about how to accomplish an objective. Weeks and even months can go by before a generated task reaches a conclusion. This passive benefits a direct time savings because captured information ends up trapped in amber as it were. When used well, conversational communication morphs into tasks that generate clarity for future reference. By that I mean that it’s record keeping abilities prevent confusion, and keep processes flowing. I’ve been asked numerous times how Fieldwire saves me time on our projects, and while I appreciate the question, and doubtless FW does save time, I think it’s passive benefits outstrip it’s time saving benefits. With The software’s new custom form building platform we have more and more ways to track information to limit the use of multiple platforms. The power to streamline communication up and down the chains of command in a way that all interested parties can observe and respond to those communications is priceless. After using it as long as I have, I cannot imagine working on our current project without it. I’ve kinda always been a paper guy, not caring for the digital medium. I’ve been using Fieldwire as a foreman for over a year on a complex, high end project. It only takes a couple minutes to setup a new project and we don't think you will regret it. Don't take our word for it, read our reviews, download our app and/or visit our website. Construction management needs to be tailored for the jobsite. We believe that we have the best construction app out there because we were in the trenches (on the jobsite) with you. Standard forms available (Daily Report, RFI, Timesheets, etc.).Detailed building inspection / punch list reports.Two step verification for punch list items.Progress photos with annotations & markups.Construction inspection & checklist templates. ![]() ![]() Scheduling with due dates or priorities.Task manager with location, trade, priority and owner.Markups & annotations (Clouds, text, arrow.).Our app combines the fastest blueprint viewer on the market with a powerful task management engine, saving people time both on the jobsite and in the office. Anyone can now view their drawings, schedule work and track their punch list while they are in the field.Ĭonstruction management is hard but Fieldwire is easy to deploy, learn & use every day. Get the #1 construction management app and join over 1,000,000+ construction projects who trust Fieldwire to run efficient field operations.įieldwire connects your entire field team, from the project manager all the way down to each specialty contractor's foreman, on one construction management platform. “The biggest challenge is my own inexperience, which is something I’m constantly trying to mitigate.”Ĭrosby hopes to use the funding to fuel growth and fund momentum of the company, with the goal of improving the automation side of the company even further and ultimately lower prices. ![]() Bench Accounting is a firm that automates accounting tasks to organize the. For Bench, addressed to Customer Care at: (i) Bench Accounting Inc. “I’m a first-time founder, and I’m having to learn how to be the CEO of the largest company I’ve ever run,” said Crosby. If you need a basic, no-frills bookkeeping company- Bench may be the right. Over the last year, the company has cut prices by 10 percent to 30 percent.īench currently has more than 250 employees, with 150 bookkeepers on staff.ĬEO Ian Crosby says his greatest challenge is his own inexperience. This allows Bench’s human accountants to focus on customer service and CRM.īench offers various tiers for customers, according to the size of the transactions. Since then, Bench has gone on to crunch $19 billion in expenses for its users, automating 60 percent of the tasks that its bookkeepers perform. In 2013, 10Sheet relaunched as Bench with $2 million in seed funding, refocusing the business to more deeply involve human accountants. Users simply integrated their corporate credit cards and bank accounts and let Bench do its thing, tracking transactions and expenses to handle basic accounting for a business. Back then, the company was called 10Sheet, and it aimed to providing accounting/bookkeeping services to small businesses through machine learning and an intuitive user interface. Existing investors, including Bain Capital Ventures, Altos Ventures, and Silicon Valley Bank, also participated in the round.īench first launched out of TechStars NYC in 2012. Cofounded by Forbes 30 Under 30 winner Ian Crosby, Bench has raised over $60 million and onboarded over 10,000 clients since its founding.Bench, the TechStars-backed bookkeeping service for SMBs, has today announced the close of an $18 million B-1 funding round led by iNovia Capital. Bench Accounting, or simply Bench, is self-described as the largest bookkeeping service in America, organizing the finances of small businesses, independent contractors, and entrepreneurs. At the same time, the company offers access to their team of real-life experts. Researched & Written by Jessica Howington on the FlexJobs Team. It does so by combining the efficiency and convenience of modern technology and intuitive software with the expertise and time-savings afforded by the real, human bookkeepers of a professional service. Since meeting with the company back in 2012, we kept finding ourselves impressed by their teams ability to distill bookkeeping into a system of equations and. Bench Retro provides a Year End Financial Package for each year of retroactive bookkeeping completedso you can get caught up, filed, and in the clear. Bench Accounting is known to be highly intuitive. A flexible employer, Bench has enabled remote and freelance capabilities in the past and, per eligibility, offers benefits and stock options.įounded with the belief that understanding finances should be simple, effortless, and affordable for entrepreneurs, Bench Accounting helps business owners spend more time doing what they love: running their business. The company has also preferred qualified professionals experienced in fields like accounting & finance, business development, consulting, computer & IT, and marketing. In search of new talent to join the team, Bench encourages applicants from marginalized communities and is committed to standing against racism and discrimination. Essential: 249 per month when billed annually (299 monthly) Premium: 399 per month when billed annually (499 monthly) The Premium plan fulfills your bookkeeping needs and also provides help with your taxes. Working in a culture of autonomy, radical responsibility, and innovation, this team relies on the following principles to inform how it communicates, shares information, and works toward its goal: keep it human, take a stand, be responsible, default open, and get scrappy. Launched in 2013, Bench today employs over 600 professionals passionate about helping entrepreneurs master their finances and improve their lives. With books up-to-date, users can access the Bench iPhone or desktop app to monitor cash-flow and financial health. Then, a dedicated team of bookkeepers ensures books are tax-ready. Each month, Bench automatically gathers transaction data from all connected business accounts. ![]() Researched & Written by Jessica Howington on the FlexJobs Teamīench Accounting, or simply Bench, is self-described as the largest bookkeeping service in America, organizing the finances of small businesses, independent contractors, and entrepreneurs. Bench is the online bookkeeping platform for small business owners. Convert Audio to MP3 +Ĭompared to MP3 files, M4A files are common audio formats with higher audio quality and smaller file sizes. You can upload your tracks as above and then pull down the new MP3s once the conversion is complete.MP3 TRY IT FREE TRY IT FREE 1. How do I convert an M4A audio file to MP3 on my phone?Ī cloud conversion solution is also the easiest option when you’re on the go without your laptop. Once the job is done, you can then download your freshly created MP3s.Ĭloud conversion options tend to be a bit slower, but they work just fine. Your tracks will be uploaded and all of the hard work is done on those remote servers. To get started, simply browse to the M4A files on your computer and select MP3 for the conversion format. One such option is Cloud Convert, which is very simple to use. This is a good option if you don’t want to download and install new software on your computer. You can also create MP3s from your M4As using online converters, which perform all of the necessary processing in the cloud. How to convert M4A files to MP3 without installing any software The basic free version will do the job just fine for M4A to MP3, while the Pro (paid-for) version adds in more functionality.Ī completely free alternative is Freemake Audio Converter, which isn’t as swift or as sleek but again gets the job done. One good example is Switch Audio File Converter from NCH, which is simple to use but also packs in plenty of tools for more advanced users. How to convert M4A files to MP3 on your computer without using iTunesĪlternatively you can use one of a multitude of different audio conversion programs that are free to download for Windows and Mac users. Note that you won’t lose the original M4A in the process. ![]()
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