Owen became interested in variable stars at a young age and became a life member of the American Association for Variable Star Observers (AAVSO) during high school. We both attended Christian colleges in Indiana during which we both interned at the Harvard/Smithsonian Observatory before being drawn to the Harvard campus for graduate school and ultimately our career work. This was further fueled by parents who brought home astronomy books from the library for us to devour. It was one that very much mirrored my own: In small-town America, we were exposed to the dark, starry night, which grabbed both of our imaginations as youngsters. In an oral history recorded by David DeVorkin in 2005, Owen recounted his childhood introduction to astronomy. Owen Gingerich delivers a lecture at a 2011 conference on religion and science. He gave scores of invited lectures on this topic on college campuses and at conferences. This desire to show that one can both embrace mainstream science, with its understandings of geology and evolution of life, as well as embrace Christianity, was a big part of Owen’s life. Owen considered himself an anti-Creationism Christian, believing in “intelligent design” by a Creator rather than “Intelligent Design” (capitalized), which he saw as more of an undesirable political anti-evolution movement. One of Owen’s last published books, God’s Planet, is a thought-provoking read of Owen’s exploration of the boundary between religion and science. Owen was born in Iowa in 1930 to Mennonite parents, and his faith remained a big part of his life until the end indeed, Owen was heavily involved in discussions of the interplay between science and Christianity, believing that one does not contradict the other. Owen was a walking astronomy encyclopedia and a prolific writer of books, invited conference papers, and articles for professional journals. Owen held joint appointments at Harvard (Professor of Astronomy and of History of Science) and at the Smithsonian Astrophysical Observatory (astrophysicist), and he kept busy in his research, writing, and lecturing well into his retirement years, until shortly before the COVID-19 pandemic broke out. Owen Jay Gingerich, well-known historian of astronomy and contributor to Sky & Telescope for more than a half century, died on May 28, 2023, after some years of gradually declining health. Center for Astrophysics, Harvard & Smithsonian
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Commercial loan funds are also used as capital to start a business or expand its operations. But instead of acquiring a primary residence or vacation home, commercial loans are designed to help you own business property. Lenders provide borrowers with money which is secured to your property. As for government-backed commercial loans, you may obtain Small Business Administration (SBA) loans to finance a business venture.Ĭommercial real estate financing is similar to traditional home loans. They are also provided by insurance companies and independent investors. Examples of property that use commercial mortgages include apartment complexes, restaurants, office buildings, industrial facilities, and shopping centers.Ĭommercial mortgages are commonly offered by banks and credit unions. This type of mortgage is also used to renovate offices and refinance existing commercial loans. It is used to purchase commercial property, develop land, or a building. We’ll also discuss various sources of commercial real estate loans, as well as different options available in the market.Ī loan secured by business property is called a commercial mortgage. You’ll learn about commercial loan terms, its payment structure, and rates. In this guide, we’ll detail how commercial real estate loans work and how to qualify for this type of mortgage. In the long run, this provides financial leeway for your business, especially during unfavorable economic periods. It saves money on rising rental expenses and reduces your overall cost structure. This is where securing commercial mortgage can help. This is important whether you’re a establishing a new company or getting ready for expansion.Īs your business grows, it’s crucial to find the appropriate commercial property that can accommodate your needs. But besides all the careful planning, you need enough working capital to jumpstart your operations. Running a new or old business? Coming up with strategic plans to achieve your goals is a must. The Complete Guide to Understanding Commercial Mortgages To see which options you qualify for & get the best deal you can we recommend contacting a commercial mortgage broker who can help you see what you qualify for. Thus, these figures do not guarantee actual rates on a specific commercial mortgage deal. However, there are outliers on the high and low end of the range. Note: The range of commercial mortgage rates should be considered typical. Total interest paid until balloon payment due:Ĭreate a Printable Amortization Schedule?Ĭurrent Commercial Mortgage Rates Commercial Mortgage Loan Providers If you instead want to calculate for a known ending balloon payment, please use our balloon loan calculator. This calculator automatically figures the balloon payment based on the entered loan amortization period. This tool figures payments on a commercial property, offering payment amounts for P & I, Interest-Only and Balloon repayments - along with providing a monthly amortization schedule. Calculator Rates Commercial Property Loan Calculator You can favorite the presets you like so you can access them quickly in the future. And they’re all variations on the same theme, whether that’s landscape, sunsets, or film effects. Each category has five or six presets to choose from. Luminar Neo has 22 preset collections like Big City Lights, Nature, and Closeups. There’s a variety of collections, such as Blockbuster and Filmatic. Luminar AI has Template categories such as Influencer Collection and Easy Landscapes. The Luminar presets are organized into categories so you can easily find what you want. And in just a second, it applies the preset and transforms your image. You select the one you want from the preset panel. And the program recommends a set of presets that suit the photo. The Preset/Template tab takes you to the preset menu. You load your photo into the software and click on the Preset/Template option at the top of the screen. But the principle and application are still the same. In Luminar AI, the presets are called Templates. It’s easy to apply presets in Luminar AI and Luminar Neo. And there are presets that give your photos a cinematic look. There are presets for portraits and landscapes. When you upload a photo into the photo editing software, it evaluates the image and recommends presets that suit it. The presets are a big selling point for Luminar AI and Luminar Neo. Or you can change the lighting for a golden hour look. You can turn your color photo into a moody black and white image or add grain for a film aesthetic. All you need to do is select the preset you want and all the changes are made instantly.Ī Luminar preset can transform a drab photo into something atmospheric. The settings are carefully selected to give your photo a specific look. You select the preset you want, and it gives your image a brand-new look.Ī preset is a preconfigured set of adjustments. You don’t need to fiddle around with sliders or make a lot of setting adjustments. You can make large-scale changes to your photos with just a few clicks. The Luminar presets are a fast and creative solution to photo editing. Feature walls defined by wallpaper on one wall matched into a paint color on the rest of the walls are somewhat out of fashion.Whether you choose a wallpaper or paint colors for your living room is largely down to taste, but here's what you need to know: If you are blessed with a larger living room, you can be more adventurous with color: try experimenting with a darker decorating palette, add a striking feature wall or get creative with bold paint colors. It may be interior design 101, but if you have been blessed with a small living room and want to make it look bigger and brighter, you will need to opt for lighter colors or, perhaps, since you only use your living room in the evening, you'd rather it felt cozy and intimate with darker colors? Think about its size and the height of its ceiling when you are making this decision. When you’ve nailed down your aesthetic, it's time to pick your living room paint color ideas. (Until you come to sell, that is, in which case, we'd advise depersonalising.) 3. Doing so will create a less constructed, more relaxed feel and, after all, it's the room you unwind in at night, so it should be a true expression of your taste. Make a note of the living room designs you like (pin the pictures to a Pinterest board) and you'll soon notice themes occurring, which will be a good base for your room scheme. What to avoid? A style that clashes obviously with your home's age: 1930s style sits well in homes from that period onwards, but tends not to suit older properties similarly, heavy Victorian doesn't work in a 1970s-built house.Īnd while you might be tempted to stick to one style, don't be afraid to mix and match. Check out our gallery of modern living room ideas for inspiration. In other words, if your house is full of kids, choosing a living room filled with ornate antiques probably isn’t practical and a modern living room style might be more your scene. So, while the style of your living room design will be largely dictated by the age of your property, its inherent architectural feature and the style of the rest of your rooms or existing living room furniture, it's got to suit your lifestyle, too. It's where you will spend much of your time: in the evenings if you don't have kids, and from the afternoon onwards if you do. Once you’ve planned your living room furniture design placement you can move on to the fun stuff – choosing the style of your living room. Consider personal style when designing a living room Find out much more about where to place the living room furniture in our guide the best living room layout ideas. From that you can sketch out a floorplan and draw out a few different ways your furniture could fit into the room. Top tip: If you really don’t know where to start with your living room layout, use a tape measure to size up the room. Namely, it helps us to solve a system of equations and it helps us to find the intercepts of the equation. Where A, B, and C are all whole numbers, and A is not negative. If the y-intercept is not clear, however, then the slope-intercept form can be derived from the point-slope equation. Then, we can just plug the values right into the slope intercept equation. If the line intersects the y-axis at a clear point, it is best to use that as one of the points used to calculate the slope. If the graph of the line is given, we will still have to calculate slope. If this point was written in point-slope form, we would have: If a line has slope m and y-intercept (0, b), the slope-intercept form is: It is actually technically a special case of point-slope form. Slope-intercept form conveys the slope and y-intercept of a line. If we have the y-intercept, however, we can skip the point-slope form and use slope-intercept form instead. (Recall that the y-intercept is of the form (0, y 1).) This is because we can use the two points to find the slope. Note that one can also use this form if two points are given and neither point is the y-intercept. Since there are infinitely many points on every line, there are infinitely many ways to write point-slope form. If the given point is (x 1, y 1), a the slope is m, the equation of the line in point-slope form is: It is, however, more commonly used to get from a verbal description or a graphical depiction of a line to slope-intercept or standard form. This form is not commonly given to help graph a line. Point SlopeĪs the name implies, point-slope form gives one point in a line and its slope. Standard form gives us two specific points, namely the x- and y-intercepts, though it is not hard to find the slope from the information given. Point-slope (or point slope) form and slope-intercept (or slope intercept) form tell us one point and the slope of a line. If, however, we have a slope and a point, we can easily use the slope to find a second point and graph the line. We need two points to uniquely define a line. These equations give enough information about the line so that we can easily graph them. The three main forms of an equation are slope-intercept form, point-slope form, and standard form. These equations will have a variable whose highest power is 1. While each linear equation corresponds to exactly one line, each line corresponds to infinitely many equations. Recall that a linear equation is a mathematical equation that defines a line. What are the Different Forms of Linear Equations?
At least 25 percent of total calories should come from protein, with the remainder from fat. I recommend the high end for mass gains, the mid-upper end for maintenance (45-55 percent), and the low-end for fat loss. Higher carbohydrate ratios augment lean mass gains, while lower carbohydrate ratios tend to accelerate fat loss. They tend to require a greater percentage of carbohydrates to prevent muscle catabolism, as well as a higher calorie intake overall.ĭiet Recommendations: Ectomorphs should stick to the high end of the range for carbohydrates, between 30-60 percent of total calories, depending on whether the goal is mass gains, maintenance, or fat loss. On the plus side, it's easy for them to get lean. Ectomorphs are the classic "hardgainers." They find it hard to gain weight and put on mass. Characteristically, they have delicate bone structure, small shoulders and chest, and a fast metabolism. This will help determine how well you tolerate carbs and establish where in the above ranges you should start.Īn ectomorph is best described as slender. Once you determined your primary fitness objective, it's important to factor in your body type. Prioritizie healthy fat sources like monounsaturated fats like monounsaturated fats (avocados, egg yolks, olives, nuts, peanut butter, canola oil, olive oil, high-oleic sunflower oil), medium-chain triglycerides (coconut oil), and omega-3 fatty acids (salmon, and other fish, grass-fed beef, chia seeds, ground flax seeds, soybeans, tofu, edamame, beans, wild rice, and walnuts). Even worse, not getting enough essential fatty acids can increase your risk of colon cancer, breast cancer, and prostate cancer.īut as you might imagine, not just any fat source will do. Low fat intake can also impair absorption of the fat-soluble vitamins A, D, E, and K. This also has a negative effect on the bodily functions driven by those hormones, including growth and development, metabolism, reproduction, and mood. Since hormones are constructed from cholesterol and other fat molecules, getting any less than that can actually suppress normal hormone levels. Notice that fat never goes below 15 percent of total calories. This doesn't have to be extreme or unpleasant in order to work, as long as you stick to these typical macronutrient ranges. Many pro fitness athletes utilize a "building" phase lasting several weeks or months, followed by a "cutting" phase to achieve a well-developed, yet lean physique. Regardless of what method you choose, you'll see more pronounced mass gains, or more rapid fat loss, if you focus primarily on one main goal at a time. However, individual results vary in both cases, and neither is an excuse to disregard your macros altogether. Some recent research also supports intermittent fasting as a means of achieving both fat loss and mass gains. There are ways you can move incrementally toward fat and build muscle simultaneously, such as carb-cycling, where you alternate muscle-building phases of higher carbs with periods of lower carbs to encourage fat burning. Why? Higher carbohydrate ratios augment lean mass gains, while lower carbohydrate ratios tend to accelerate fat loss. While lean mass gains can occur alongside fat loss, neither process will occur at its full potential. You may ask, "What if I want both?" However, this is one of those situations where you're better off tackling one goal at a time. Your first step is to choose what's more important to you: fat loss or lean mass gains. Here are three factors that can help you establish an effective starting point for your journey from "before" to "after." Factor 1: Fitness Goals Does this mean we're all doomed to start from scratch and tinker until we find our way? Definitely not. Less serious causes of fixed, dilated pupils include: Trauma or compression of the upper brain stem and third cranial nerve, which is responsible for eye muscles and movement (oculomotor function). Serious causes of fixed, dilated pupils include: The risk involved with a blown pupil is too great to go untreated. While some causes are non-life threatening and may resolve on their own, medical attention is recommended. Blown pupil causesįixed, dilated pupils can be caused by several factors. However, exposure to certain substances can also elicit the reaction. Typically blown pupils occur as a response to a brain injury, such as head trauma or stroke. Unilateral cases, where only one pupil is dilated and fixed, is known as anisocoria, meaning unequal pupil size. The largely dilated pupil may affect one eye (unilateral) or both eyes (bilateral). In other words, mydriasis is a temporary dilation of the pupils in response to light.īlown pupils are dilated very widely and fixed, meaning they do not respond to an outside stimulus, such as light. However, once you step out of the dark room, your pupils will return to normal or adjust to the new level of brightness. For instance, when you enter a dark room, your pupils will naturally dilate (get larger) to adjust to a low-light environment. Mydriasis is the eye’s inherent response to stimuli. The key difference between blown pupils and mydriasis is pretty simple: One is a natural, normal response and the other is not. People who notice a sudden, unexplained change in pupil size should see an eye care provider, especially if only one pupil is affected. Typically, blown pupils are seen in response to brain damage caused by trauma or stroke, though less serious causes are possible. When it occurs, a fixed dilated pupil may be present in one or both eyes. A blown, or blown out, pupil is characterized by a pupil that is largely dilated and unresponsive to light. Chardonnay is also very successfully cultivated, and about 30% of the AVA’s acreage is planted to white grapes, with the majority of those grapes being Chardonnay, Read more. Many grapes grow well in Napa’s Mediterranean climate, but the region is best known for Cabernet Sauvignon. Napa Valley’s AVA was established in 1983, and today there are 16 sub-appellations within the Napa Valley AVA. But by the late 1950s and early 1960s Robert Mondavi and other visionaries were producing quality wines easily distinguishable from the mass-produced jug wines made in California’s Central Valley. An infestation of phylloxera, an insect that attacks vine roots, and the onset of Prohibition nearly wiped out the nascent Napa wine industry in the early 20th century. A satin texture enrobes the wines smooth, round tannins, its bright acidity supporting a juicy and elegant mouthfeel. Track this homes value and nearby sales activity. Learn more about buying and selling wines from Opus One at the best price. house located at 34047 Opus One Ct, Temecula, CA 92592 sold for 404000 on Jun 17, 2008. Yount planted grapes and began producing wine commercially. presentation, price estimates and comments. Red - Bold and Structured Critic tasting note: The wine is creamy/unctuous. Deep garnet-purple in color, the 2019 Opus One leaps from the glass with notes of Black Forest cake, Morello cherries, mulberries and fresh blackcurrants. Winemaking started in Napa in 1838 when George C. 2008 Opus One Napa Valley, USA Avg Price (ex-tax) 542 / 750ml. With nearly 43,000 acres of vineyards and more than 300 wineries, it is the heart of fine wine production in the United States. Napa Valley AVA is the most famous winemaking region in the United States and one of the most prestigious in the world. You might also want to try this corn casserole from Paula Deen, which uses easy shortcuts in the ingredients list, like Jiffy Corn Muffin Mix and creamed corn. One commenter noted that you can make this more of a main dish if you add shredded rotisserie chicken to the casserole and crumbled bacon on top. This highly rated recipe has garnered rave reviews from home chefs who say that the casserole dish has now become a Thanksgiving staple in their homes. Five Heart Home also suggests using green chiles, if you want to add a little depth without too much heat. If your family likes spice, you can add diced jalapenos, mild or hot. To make this recipe, you only need a few simple ingredients: Cream cheese, corn (frozen or fresh, but thaw if frozen), milk, butter, salt and shredded cheddar cheese. Or if you love your slow-cooker, this is a recipe that can easily be adapted to cook in a crockpot. It’s rich, creamy and so easy to throw together in your favorite casserole dish. That is why we love this recipe for Cream Cheese Corn Casserole from Five Heart Home. From stews to casseroles, the dinner table is one of the first places we start to see (and celebrate) the shift toward autumn. With just six simple ingredients and a few easy steps, you can create a satisfying and flavorful casserole that your family and friends are sure to love.As brightly hued leaves tumble from the trees and temperatures slowly ease downward, we start to yearn for homey, warm dishes that nourish us - body and soul. Paula Deen Corn Casserole with Jiffy Cornbread Mix is a delicious and easy side dish that's perfect for any occasion. If you want to save some time, you can mix all of the ingredients together the night before and store them in the refrigerator until you're ready to bake.If it comes out clean, the casserole is done. If you want to make sure your casserole is cooked all the way through, you can use a toothpick to check the center.If you want to add some extra flavor to your casserole, try adding some shredded cheddar cheese or diced jalapeno peppers. If you don't have sour cream on hand, you can substitute it with plain Greek yogurt.If you want to take your Paula Deen Corn Casserole to the next level, here are a few tips and tricks to keep in mind: That's all there is to it! With just a few easy steps, you can create a delicious and satisfying side dish that your family and friends are sure to enjoy. Remove from the oven and let cool for a few minutes before serving.Bake for 45 minutes or until the top is golden brown and the casserole is set.Pour the mixture into the prepared baking dish and spread it out evenly. Stir everything together until well blended.
Details may change as information is released. Oceanside police will continue to investigate the deadly shooting at an Oceanside home. Once their investigation is completed, the District Attorney's Office will review to determine if there was any negligence on the part of law enforcement. San Diego police are leading the investigation per a county-wide law enforcement protocol that prevents agencies from investigating their own officer-fatal shootings where their officer was involved. No officers were hurt in the shootout, but one Riverside patrol vehicle was struck by gunfire, SDPD said. Vehicles from various agencies were at the scene and a silver car was sitting behind police tape with a door open. At the scene, several evidence markers were placed, likely indicating bullet casings. The entire strip mall parking lot was blocked off for the investigation. The Riverside County deputy has been with the department for two years, SDPD said. The Oceanside police officer involved in the shooting was a nine-year veteran of the force. The medical examiner will investigate the cause of death before a conclusion is made, Campbell added. It's possible the suspect was struck by officer gunfire, but SDPD investigators now believe the man died from a self-inflicted gunshot behind the strip mall, Campbell said. Going to La Jolla getting a lot tougher this week, starting Thursday night During the foot pursuit, the suspect fired shots toward an Oceanside officer and a Riverside County sheriff's deputy, prompting both officers to return fire. When it came to a stop at a strip mall, the suspect took off on foot, SDPD Lt. Oceanside police at one point set out spike strips to stop the vehicle. The San Diego County Sheriff's Department became involved as the chase headed south, the agency said, and Oceanside police took over when the chase entered Oceanside on westbound state Route 76. Deputies there spotted the suspect vehicle at about 2:10 a.m. 'Oh this is serious,'" Cureton said.īefore officers arrived at the home, the suspect took off toward Riverside County. To take a screenshot with your Mac, Command + Shift + 3 and then release all keys to captuer the whole screen, or press Command + Shift + 4 and press down and drag the mouse over the area you'd like to capture. The last thing I hear is 'boom, boom, boom, boom, boom.' I think five or four shoots. Jasmin Cureton heard gunfire from a nearby apartment complex where investigators believe the suspect and victim lived together. Get San Diego local news, weather forecasts, sports and lifestyle stories to your inbox. |