If you want to own your Financial Freedom , one of the things you have to get good at is speaking with lenders. I admit, when I started running my family like a business, this intimidated me. My dad once said that when you are looking for a loan, you are just shopping for money. You should be shopping for money at the most favorable terms possible! I like to make spreadsheets for each loan I am seeking to track the terms for each lender that I speak to.
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Spaced retrieval , also known as expanded retrieval , is a learning technique, which requires users to rehearse information to be learned at different and increasing spaced intervals of time Benigas, J. Errorless learning and spaced retrieval: How do these methods fare in healthy and clinical populations? Journal of Clinical and Experimental Neuropsychology, 33 4 , At the end of every trial period there is a test phase.
If you've ever wondered what these "T" values mean here is a great explanation from BYO. One pound of whole cone hops yields about 0. At first glance it seems that the process used to make T45 pellets is only half as efficient as the T90 process, but when the alpha acid content is evaluated the difference has nothing to do with inefficiency; T45 pellets contain about double the alpha acids from the same cone hops as do T90 pellets. This all makes more sense if the process of converting hop cones to pellets is briefly reviewed. Hops are harvested by cutting the entire bine vine free from the trellis and hauling this long plant into the hop processing shed. A series of specialized machines strip cones and leaves from the bine, and the cones are separated from the leaves. The cones are then loaded into the kiln, dried, and then usually compressed into hop bales for storage.