Ask Sawal - Question & Answer Forum
Ask Sawal is a popular online Forum knowledge sharing platform where users can engage in meaningful discussions, post questions, and answer questions from fellow members. It serves as a dynamic question and answer sharing forum, providing a platform for individuals to ask questions and get answers from a community of knowledgeable individuals. Whether you seek assistance or have insights to offer, this forum website allows you to participate in various discussions, exchange ideas, and collectively enhance your understanding on a wide range of subjects. It is a versatile discussion forum that fosters collaboration and the dissemination of knowledge among its diverse user base.
Why Ask Sawal?
- Users can share their knowledge and insights on a wide range of subjects.
- A platform for engaging in meaningful discussions.
- Receive answers from a community of knowledgeable individuals.
- The forum fosters collaboration among users, allows to exchange ideas.
- Users from various backgrounds and expertise, creating a rich and diverse community.
Our Goal
Provide an online forum platform AskSawal.com and knowledge sharing platform that facilitates meaningful discussions, assists users in finding answers to their questions, builds a community of knowledge seekers, and encourages collaboration among users from diverse backgrounds.
Therefore we are Facilitating Knowledge Sharing, Engaging in Meaningful Discussions, Building a Community, Assisting Users and Promoting versatility and collaboration.
Latest Published Questions
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What is ec2 spot instance?
A Spot Instance is an instance that uses spare EC2 capacity that is available for less than the On-Demand price. Because Spot Instances enable you to.
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What is grooming in hotel industry?
Grooming in Hotel Industry – Why Grooming is Important in Hospitality Industry · 1. Hairstyle/ Haircut · 2. Nails · 3. Always Wear Polished Shoes · 4."Personal Hygiene and... · Hairstyle/ Haircut · Importance of Etiquette in...
5 More Answer(s) available -
How to edit python file?
- seek() Method.
- fileinput. Module.
- splitlines() Method.
- Using the regex module and the. split() and. insert() methods.
1 More Answer(s) available -
How to convert emi in amazon icici credit card?
Step 1: Log in to ICICI Bank Internet Banking · Step 2: Go to Credit Cards under the 'My Accounts' section and click on 'Convert to EMI.' · Step 3: Choose the.
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What is hfm code in sap?
The integration between HFM (Target System) and SAP (Source System) is accomplished via the use of FDMEE (Financial Data Quality Management, Enterprise Edition). HFM is one of the financial reporting system. SAP Hfm Code Tables: OBJK — Plant Maintenance Object List, SER01 — Document Header for Serial Numbers for Delivery, SER03 — Document Header for. SAP Hfm Code Transaction Codes: CO02 — Change Production Order, MIGO — Goods Movement, MIRO — Enter Incoming Invoice, SE38 — ABAP Editor,. HFM system is a designated tool for the integration of financial reports. Assign SAP Company Codes to Hyperion Repository.
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How to obtain tax id?
Apply for an EIN with the IRS assistance tool. It will guide you through questions and ask for your name, social security number, address, and your "doing business as" (DBA) name. Your nine-digit federal tax ID becomes available immediately upon verification.
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what is lgr dehumidifier?
LGR (Low Grain Refrigerant) dehumidifiers pre-cool the intake air, which results in more water removal, drier processed air and greater energy efficiency.
3 More Answer(s) available -
How to create docker container in aws?
Create a file called Dockerfile. · Edit the Dockerfile you just created and add the following content. · Build the Docker image from your Dockerfile. · Run docker.
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What is ioc in trading zerodha?
IOC (Immediate or Cancelled) allows a user to buy or sell a security as soon as the order is released into the market, failing which the order will be removed from the market. Partial match is possible for the order, and the unmatched portion of the order is cancelled immediately.
6 More Answer(s) available -
How to change syntax highlight in ultraedit?
Files\UltraEdit\Wordfile.txt.
where XX is a number from 1 to 20.
Select: View > View as (Highlighting File Type) > [whatever you named the file as from step 1 above.]
A simple example of a highlighted macro:
``\| _- EventTest.mac -`` `` Demo for /doevents`` `` Chat and YouSay are handled every loop`` `` JudgesYou and Rude are only handled when YouSay`` `` calls /doevents for all_ \|````` \#turbo```````````\#chat`` say#eventYouSay"You say, '#1#'"`\#eventJudgesYou"(\#1\#\) judges you amiably"````\#event`` Rude ``"\(\#1\#\) makes a rude gesture\#\*\#"`` ```Sub Main /declareConCheckintouter`` ``0`` ``:Loop`` ``/doevents`` ``/delay`` ``2`` ``/goto`` ``:Loop`` ``/return``Sub Event_Chat`/echoYou got a${Param0}from${Param1}:````${``Param2``}`` ``/return`` ```Sub Event_YouSay(stringline,stringfirstword) /echoin YouxxxSay${firstword}${``firstword``.NotEqual``[Hail\]``}`` ``/if`` \(``${``firstword``.NotEqual``\[Hail]``}``) ``{`` ``/varset`` ConCheck ``0`` ``/return`` ``}`` ``/echo`` You con'd amiable ``${``ConCheck``}`` times since you last hailed.``````/return`` ````` ``Sub Event\_JudgesYou``(``string`` line, ``string`` who)`````` /echoYou con'd amiable to${who}```````````/varcalc`` ConCheck ``${``ConCheck}``+1`` ``/return``Sub Event_Rude(stringline,stringwho)`/echo````${``who``}`` flipped someone off!``` /return
You may want to change the default colors that UltraEdit chooses for the different categories. To do that navigate to: Advanced → Configuration → Editor Display → Syntax Highlighting and you can change the colors to your own choosing.
Ultraedit will also perform automatic indenting for you. It will create an indent whenever it see you have an open "{" and will unindent whenever it see a closing "}". You can also manually reformat any section by highlighting it then choosing Format → Indent Section from the UltraEdit Menu.
Note: There is currently one bug in how indenting works. It currently does not properly unindent /elseif statements. UltraEdit will also not bring the final "}" back to the beginning of the first if like it is supposed to.
Example 1: What UltraEdit Should do
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What is social cash transfer?
Social cash transfers are a kind of social assistance - means-tested monetary public support of poor people - or (less frequently) pension-type benefits without means test.
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What is ipg in hp?
IPG stands for Imaging & Printing Group (Hewlett-Packard)
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when is evbox merger?
TPG Pace intends to continue to pursue the consummation of a business combination with an appropriate target. With the agreement terminated, TPG Pace, Engie Seller and EVBox Group may (but are not required to) continue to discuss a potential business combination transaction involving TPG Pace and EVBox Group.
About TPG
TPG is a leading global alternative asset firm founded in San Francisco in 1992 with $109 billion of assets under management and investment and operational teams in 12 offices globally. TPG invests across five multi-product platforms: Capital, Growth, Impact, Real Estate, and Market Solutions. TPG aims to build dynamic products and options for its clients while also instituting discipline and operational excellence across the investment strategy and performance of its portfolio. For more information, visit www.tpg.com or @TPG on Twitter.
About TPG Pace Group and TPG Pace
TPG Pace Group is TPG’s dedicated permanent capital platform. TPG Pace Group has a long-term, patient and highly flexible investor base, allowing it to seek compelling opportunities that will thrive in the public markets. TPG Pace Group has sponsored seven special purpose acquisition companies (“SPACs”) and raised more than $4.4 billion since 2015.
TPG Pace raised $350 million in its October 2020 IPO in order to seek a business combination target that combines attractive business fundamentals with, or with the potential for strong environmental, social and governance (“ESG”) principles and practices. For more information, visit https://www.tpg.com/pace-beneficial-finance.
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How to test diabetes in child?
A blood sample is taken at a random time. A blood sugar levelof 200 milligrams per deciliter (mg/dL), or 11.1 millimoles per liter (mmol/L), or higher, along with symptoms, suggests diabetes. Glycated hemoglobin (A1C) test. This test indicates your child's average blood sugar level for the past 3 months.
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How to find sa of a pyramid?
We cannot talk about pyramids without mentioning the most famous pyramids in the world, located in Egypt, and built as a tomb for Egyptian kings. Although pyramids are not quite common, their shape is so striking that it seems it is used to make a statement, perhaps that is the reason the Egyptian kings used it as their tomb. The Louvre Museum in Paris, which is the largest art museum in the world, is also shaped like a pyramid. As you can see from the images of the Egyptian Pyramids, a pyramid is a 3-dimensional figure with triangular sides that meet at the edges and at the top to form an apex and it has a polygon as its base.
The polygonal base determines the type of pyramid. Here you see the pyramid with a triangle as its base is a triangular pyramid, the pyramid with a rectangle as its base is a rectangular pyramid, and the pyramid with a pentagon as its base is a pentagonal pyramid. We also have hexagonal pyramids and heptagonal pyramids, and so on.
Let’s take a moment and recall what the volume and surface area of a 3-dimensional figure means.
The volume of a 3-dimensional figure is the measure of how much it can hold, and it is measured in cubic units.
The surface area of a 3-dimensional figure is the measure of the total area that the surface of the figure covers and is measured in square units.
Before we can calculate the volume and surface area of a pyramid, we must know the difference between the height and slant height. The height of a pyramid is the perpendicular length from the apex to the base, and the slant height is the length from the apex to the midpoint of the bottom edge of one of the triangular faces.
Here are the formulas for the volume and surface area of any pyramid.
To calculate the volume and surface area of any pyramid we need B, which represents the area of the base, and p, which represents the perimeter of the base. It is important to note, since the base of a pyramid can be any polygon, we will be using our prior knowledge of finding the area and perimeter of different polygons to calculate the volume and surface area of a pyramid.
Let’s look at an example.
A triangular pyramid has an equilateral triangle as its base with side lengths 6 in and a height of 8 in. What is the volume and surface area of the pyramid?
To find the surface area of a pyramid, we use the formula \(SA=B+\frac{1}{2}ps\), where \(B\) is the area of the base, \(p\) is the perimeter of the base, and \(s\) is the slant height. Since the base is a triangle, we will use the formula for the area of a triangle to find \(B\).
\(\text{Area of a triangle}=\frac{1}{2}bh\), where the \(b\) and \(h\) are the base and height of the triangular base. We will draw a perpendicular line to the base, which is the height of the triangular base and it divides the base of the triangle into 2 equal parts. Since the triangle is now turned into 2 right triangles, we can use the Pythagorean theorem to find the height.
So the Pythagorean theorem is:
And then we’re gonna look at our triangle, which says we have:
We’ll subtract 9 from both sides. This gives us:
And then we’ll square root both sides. Which gives us:
Or:
Therefore, the area of the base can be found by doing:
The perimeter of the base is equal to all the sides added together, so:
Now to solve for surface area, all we have to do is plug these values in for our variables. So our surface area is equal to:
And all this added together is approximately equal to 78.6 square inches.
To find the volume of the triangular pyramid, we need the area of the base, \(B\), and the height of the pyramid, which is 8 inches. So let’s plug this in. So:
Now all we have to do is calculate this out, which is equal to approximately 41.6 cubic inches.
Let’s look at another example. Here is a pyramid with a square base, with side lengths of 5 centimeters. The height of the pyramid is 11 centimeters. What is the volume of the pyramid?
So our volume formula is:
Before we can calculate the volume of the pyramid, we need to find the area of the base. Since the base is a square, we use the formula for the area of a square, which is \(s^{2}\). So to find our area, we’re gonna use \(s^{2}\) and our side length is 5.
Now we can plug this value into our formula.
Then if we plug this into a calculator, we’ll get that it’s approximately equal to 91.67 cubic centimeters.
But when would we ever need this in real life? Well, I’m glad you asked! Take a look at this next example and try it on your own.
The roof of a wooden cottage is shaped like a square-based pyramid. The length of the sides of the square base are 22 feet and the height of the triangular face is 14 feet. Peter wants to paint the roof of his wooden cottage and needs to determine how much paint he needs to buy. We will assume 1 pint of paint covers 400 square feet. How much paint does Peter need to buy?
The roof of the cottage does not include the base of the pyramid. Therefore, we only need to find the area of the 4 triangular faces. This is called the lateral area. So the lateral area is equal to the surface area minus the area of the base. So all we need is:
The perimeter of our square is equal to 4 times the side length.
Which we can plug into a calculator to get:
So we will need 616 square feet to be covered.
If 1 pint of paint covers 400 square feet, we need to divide 616 by 400 to figure out how much paint we need. So:
So, Peter will need to buy 2 pints of paint to cover the roof of the cottage because 1 pint won’t be enough and you can’t get 0.54 of a pint. So 2 pints of paint will cover the whole roof.
1 More Answer(s) available -
How to turn off dash cameras?
If you sometimes leave your car power on after you've switched off the engine, you may want to turn off the dash cam using the power button. If you wish to set the time or change any of your dash cam's settings, simply push the REC button (middle button on the right), which will stop the dash cam recording.
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What is the meaning of sjr?
1. Go to SCImago Journal & Country Rank web site.
2. Click on the Journals link under Rank image.
3. Make your selections from the drop down menus.
4. Click the Refresh button to generate a report comparing journal rankings.
You can generate similar reports for comparing different countries:
2 More Answer(s) available -
What is the ideal time for yoga practice?
In general, yoga practice is recommended in the morning or the early evening. A morning yoga session can be quite active and consist of a full practice.
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Why nausea in diabetes?
People with unmanaged diabetes have a higher chance of developing pancreatitis. Pancreatitis is a swelling and inflammation of the pancreas and may cause nausea. Vomiting, abdominal pain, and high triglyceride levels often accompany the nausea.
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Why do some get diabetes and others don't?
Family history and ethnicity also play a role. A sedentary lifestyle is also associated with the development of type 2 diabetes. While it's been known for some time that genes are at least partly responsible for type 2 diabetes, researchers don't know all of the genes or the genetic mutations that are involved.
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Amazon chime meaning?
Amazon Chime is a communications service that lets you meet, chat, and place business calls inside and outside your organization, all using a single application.
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What is the meaning of forums?
: a public meeting place for open discussion. The club provides a forum for people interested in local history. : a medium (such as a newspaper or online service) of open discussion or expression of ideas.
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How to buy amazon pay icici credit card?
Save even when you spend and enjoy special privileges with the Amazon Pay ICICI Bank Credit Card. This card pays you back, everywhere and every time. It is made.
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How to watch queens of comedy?
You are able to stream The Queens of Comedy by renting or purchasing on Amazon Instant Video, iTunes, Google Play, and Vudu.
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Does diabetes affect growth hormone?
Growth is compromised in poorly controlled diabetic children; however, a causal link with altered GH/IGF-Ilevels has not been proven. Insulin-dependent diabetes clearly causes derangements in the GH/IGF-I axis.
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How to delete aws directory service?
If you delete a Microsoft Active Directory (AD) directory or a Simple AD, all the directory data and snapshots are deleted and can't be recovered.
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What is sea moss good for diabetes?
It can improve blood sugar control, help lower your cholesterol and reduce your risk of chronic diseases like diabetes and heart disease. “Studies show that sea moss may help lower bad cholesterol, which is one of the factors for heart disease,” Czerwony says.
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What is aws peering?
Amazon Virtual Private Cloud (Amazon VPC) enables you to launch AWS resources into a virtual network that you've defined. A VPC peering connection is a networking connection between two VPCs that enables you to route traffic between them using private IPv4 addresses or IPv6 addresses.
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Aws-iam-authenticator command not found?
Amazon EKS uses IAM to provide authentication to your Kubernetes cluster through the AWS IAM authenticator for Kubernetes. You can configure the stock.
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Whatsapp call href?
Add a link to a WhatsApp call in your email signature First, edit your email signature using the editor and select the text where you'd like to add the link. An options menu will open, choose “add link.” After the window is open, put in your personalized link like the video example below.
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How to power-hungry foobar solution in java (Java Programming Language)
The challenge is to find the maximum product of a subset of a given array. Here's the problem:
My code basically removes all 0's inside the list, then I iterate over all the remaining integers in the array and put each one in their respective array (positive or negative numbers). I sort my array with negative numbers then check its length; if it's odd, then I remove the last element (which will always be the one closest to 0 since I sorted it). Finally, I multiply each number inside these two arrays and return the result (we need to return it as string).
I've already search the internet as to why my logic is failing the fourth test case, I've read that if there's only one negative number in the array, you should return 0, but I also read that you should return the negative value. However, previously to writing the part of my code that checks this possibility, the fifth test case was also failing. So you need to return 0 in this case.
Here's the repl with my code, open test cases and some test cases that I've added.
2 More Answer(s) available -
What is national diabetes week?
It can lead to people not sharing their diagnosis with others, getting the help and support they need, being interested to learn more about their diabetes or doing what they need to do each day to manage their diabetes and stay well.
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How to make a fox nose?
So here we are – once again, with a guest post over on Party Delights! This week, we made a Fantastic Mr Fox Mask – perfect for all Roald Dahl fans, planning crafts and activities for World Book Day.
We love dressing up a the Fantastic Mr Fox, as the kids can wear “normal clothes” (or “handsome clothes”, as the Fantastic Mr Fox does like to dress smartly) and then just add the mask as a finish touch. Perfect for those dress up shy kids on World Book Day!! These masks were made from cereal boxes (everyone, has one, right?!) and would also be great for Mardi Gras or any other Fancy Dress occassion! Hope you like it too! If you are looking for some more Autumn Crafts for Kids, look no further! We also have a great set of No Sew Costumes for you to take a peak at!
You can make it from something as simple as an empty cereal box, and we’ve even created a printable stencil to help make your life easier. Let’s get started!
Print your stencils and trace them onto the plain side of your cereal box. Cut them out neatly.
Carefully make a hole on each side the round piece of your mask template and tape your elastic or string in place.
Look at the nose of your mask and fold the card along the dotted lines, as shown below.
To finish off the nose, cut the two black slits you can see on your template, and fold the card into place. It should now look like this:
Now it’s time to glue your mask into place. You need to glue down the folded sections of the nose that you made in Step 3, and attach the round piece of cardboard to the back of the piece that has the nose, ears and whiskers, as you can see below.
A hot glue gun is ideal for this job (adults only, obviously), but if you don’t have one, simply use a couple of clothes pegs to hold your mask together while it dries.
With your mask made, it’s now time to get painting! Start by painting some white across the bottom of your fox’s face. Then, mix red and yellow to get a vibrant, foxy orange! We suggest you deliberately didn’t blend the yellow and orange fully, to allow for the odd red and yellow brush strokes. We think this gives your fox mask a little texture!
Once all that’s dry, finish the mask by painting the end of Mr Fox’s nose black.
When World Book Day arrives, you can simply wear this mask with some smart clothes. If it’s more last-minute DIY ideas you’re after, we’ve got plenty of those too!
More World Book Day Costume ideas:
Or check out our comprehensive Autumn Crafts for Kids list here:
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How to connect amazon alexa with mobile?
Hold down the home button on the Amazon Echo Dot, Echo or the Echo Plus, for 5 seconds. On your phone, click on the “Continue” button. Next, you'll be prompted.
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What happens when u cancel life insurance?
Rising inflation, job loss, job stagnation and other misfortunes are causing many to have financial struggles. With less money to go around, it could mean you can no longer afford your premiums. While canceling your life insurance policy may be the right choice, it is not the only option you have available if you are struggling financially.
Depending on the type of insurance policy you have and when you got it, these options may be a better solution than canceling your life insurance policy:
Canceling a life insurance policy is typically not hard. You have the right to cancel anytime during the free look period, which lasts anywhere from 10 to 30 days depending on what U.S. state you live in. If you realize within that period that you have changed your mind about buying the policy, you can call or write to your insurer to cancel and any premiums you have paid will be fully refunded.
After the free look period, however, how you cancel depends on the type of policy you have.
Term life insurance, as the name suggests, provides coverage during an agreed-upon term of time, such as 10 or 20 years. Premiums tend to be low for this type of insurance, and the coverage features a simple death benefit and no investment vehicles within the policy.
Can you cancel term life insurance? Canceling your term policy couldn’t be easier: just stop paying your premium and write a letter or call your insurer to let them know you are canceling the policy. Check the website of your insurer, too — there may be a form there you can fill out to terminate your policy.
Whole life insurance is different from term insurance in a couple of ways. It never expires, for one thing, and the premiums are usually higher than for term insurance. The big difference, though, is the investment component: a portion of the money you pay in premiums goes to build up equity in the policy, which you can draw on during your lifetime.
What does it mean to surrender your life insurance and can you cancel surrender whole life insurance? Surrendering life insurance means that you want to opt out or cancel your life insurance policy. Surrendering or canceling your policy may mean that you might get a check from your insurer — but only if you’ve had the policy long enough to build up cash value. If you surrender in the first ten years or so, fees will probably eat up any value that you have. If your policy is older, however, and you find yourself in need of money more than you are in need of a life insurance policy, you may be able to cash in your policy for a payout.
However, if you think you may need the death benefit in the future, there is an alternative that could be a better option. Instead of surrendering the policy, you could use the cash value as collateral and take a policy loan. It keeps the death benefit intact but gives you the cash infusion you need now. However, it’s worth noting that if the loan is not repaid, typically, the principal amount of the loan and any accrued interest is taken from the policy’s death benefit when the insured passes away and the beneficiary requests the proceeds from the policy.
Some insurers allow you to modify your policy so you keep some death benefits while paying a reduced premium or no premium at all, with all fees being paid by your equity in the account. But beware: if you just stop making payments without an agreement in place with your insurer, the policy could lapse. So in this case, talk to your insurance agent to see what options are allowed by your policy.
If you do not want to surrender your whole life insurance policy, there are a few alternatives you might consider. One option is to look into a tax-free life insurance policy exchange, and another is to sell your life insurance policy for profit.
A tax-free exchange, formally called a 1035 exchange, allows you to get rid of one life insurance policy and replace it with a new one, without paying taxes. With a tax-free exchange, you surrender your whole life insurance policy, and instead of collecting the money and depositing it into your personal account, you roll it over into a new policy, therefore avoiding income taxes.
Another option if you no longer need a whole life insurance policy is to sell it. But keep in mind that this process can be complicated. You will need to find a few reputable brokers who will purchase the policy from you, and then get offers from each of them. The amount of money you can get from selling your whole life insurance policy varies, since the broker expects a commission for selling it. But if you need cash, it may be a good option. Keep in mind that it can take a few months to sell a life insurance policy.
There are a number of reasons why you might want to cancel your life insurance policy. Here are some of the most common situations when it could make sense to stop paying for it:
A good thing to remember is that your life insurance policy should be part of a greater financial strategy that you have in place to provide a secure future for yourself and your loved ones. If there are better ways to do that, it might make sense to cancel your policy and invest the money you would have paid in premiums into another savings vehicle.
The answer to this question is that it depends. If you have a term life insurance policy, which has no cash value component or investment option, the only possibility of getting money back is if you cancel in the middle of your payment cycle. Then, you may receive a check for any premium that has not yet been applied to your account — which is going to be a very small amount compared to the policy’s death benefit.
If you have a permanent life policy, and you have equity built up in the policy because you have been paying into it for a decade or more, you may receive a lump sum payment from your insurer. They will subtract any fees or outstanding loan balance out of this payment and send you the rest of the cash value of your policy. This, too, will probably be far less than your death benefit.
It’s important to know what the consequences are for canceling life insurance. When it comes to your premium payments, it depends on the life insurance. In most cases your premium payments will be forfeited, and you will not receive anything for your previous payments.
The one exception to this is if you have whole life insurance and cancel it. You may have built up equity for all of the payments you have made so you may receive a lump sum payment from your insurer. Keep in mind, if you cancel whole life insurance in the first 10 or 20 years, you may have to pay surrender fees, which can greatly reduce the lump sum you get from the insurance company.
1 More Answer(s) available -
What to do when a freelance client doesn't pay?
What to Do When a Freelance Client Won't Pay · 1. Friendly email reminder · 2. Make the call · 3. Go up the chain · 4. Bill a late fee · 5. Social shaming.
5 More Answer(s) available -
How to change az of subnet?
On the Description tab, for Availability Zones, choose Edit subnets. On the Edit subnets page, for Availability Zones, select the check box for the Availability Zone to add. If there is only one subnet for that zone, it is selected. If there is more than one subnet for that zone, select one of the subnets.
2 More Answer(s) available -
How to analyze aws waf logs?
You can do this in the AWS Console under the AWS WAF & AWS Shield service. Go to the Web ACLs tab and select the Web ACL for which you want to start logging. Then, under the Logging tab, choose Enable Logging. On the next page, specify the Kinesis Data Firehose that the logs should be delivered to.
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What is Prd helpline number?
Prd helpline number toll free number is 1800-750-2891-4048-9657-4828
Note: The above number is provided by individual. So we dont gurantee the accuracy of the number. So before using the above number do your own research or enquiry.
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Who gives loans for bad credit?
Getting a loan can be difficult if you have less-than-stellar credit. Most banks and credit unions may reject your application, limiting your options to expensive loan offers. However, some online lenders offer favorable terms to those who don't qualify for most personal loans.
Here are our picks for the best bad credit loan companies, which can offer better approval odds and reasonable terms.
Why we chose it: Most bad credit lenders don't offer secured loans — that is, personal loans guaranteed by an asset, such as a savings account or car. OneMain Financial, on the other hand, has both unsecured and secured loans available for high-risk borrowers.
Secured loans are usually easier to qualify for because the collateral guarantees creditors get repaid if you default on the loan. And, if you have poor credit, applying for a secured loan can improve your odds of getting approved and might even get you better rates. You can get approved for a OneMain Financial secured loan by using your car, RV, motorcycle or a boat as a payment guarantee.
Fast funding is another one of OneMain Financial’s benefits. Most loan providers disburse funds the next business day after your application is approved. OneMain, on the other hand, says it can transfer your money the same day if you get approved by noon. (This funding option is available only if you have a bank-issued debit card. If you opt for a bank account transfer, it will take around one or two business days after the loan closing date.)
Why we chose it: Many applicants get rejected for a loan because of a short credit history. Upstart, on the other hand, uses alternative data and artificial intelligence to evaluate people with poor or little credit.
The company's loan approval process relies on an applicant's job and school background in addition to their credit information. This can help people with a short credit report but a solid educational background get an excellent loan offer, for example. However, you could still get rejected if you have a low score plus a history of missed payments or charge-offs on your report.
In 2017, at the behest of the Consumer Financial Protection Bureau (CFPB), Upstart agreed to analyze how its loan approval process compares to the one used by traditional lenders. The CFPB later issued a no-action letter to Upstart that required the lender to notify the bureau of changes to its artificial intelligence — said letter was terminated just recently, in June 2022.
According to the results shared with the CFPB, Upstart's tests show that the company approves around 27% more loans than traditional lenders, and their loans’ APRs are about 16% lower.
Why we chose it: Upgrade allows co-borrowers, which can improve your chances of approval if the second borrower has a better credit score.
Besides improving approval odds, with a joint application you might get approved for a higher loan amount and lower interest rates. However, keep in mind that with joint applications, both people share responsibility for the monthly loan payments. If neither makes payments on time, it can impact both people's credit scores.
Upgrade is also an excellent option for people who want to consolidate their debt. You can technically use any personal loan for debt consolidation — taking out a new loan to pay off multiple existing debts. However, you would be in charge of paying each lender individually once you receive the loan funds. Upgrade, on the other hand, can simplify the debt consolidation process by paying your creditors directly.
Upgrade also operates Universal Credit, another online lender with low minimum credit score requirements (560). Universal credit offers debt consolidation loans, but note that the company has a higher minimum APR and origination fee than Upgrade.
LendingTree is an online lending marketplace that makes it easier to compare rates and fees from different companies without submitting multiple individual applications.
LendingTree has partnerships with top-rated lenders such as Rocket Loans, SoFi, Marcus and all the companies mentioned in this list. It can connect you with providers of personal, auto or home equity loans whether you have fair or excellent credit.
If you create an account, LendingTree also offers several personal finance tools such as a monthly payment calculator and a budget tracker.
LendingClub has a lower maximum origination fee (6%) than some of our picks and has a minimum credit score requirement of 600.
Why it didn’t make the cut: Although its stated minimum credit score is 600, a company representative stated that the average credit score of borrowers approved by LendingClub is 700 or more with an average income of around $100,000.
Why it didn’t make the cut: In 2019, the Federal Trade Commission (FTC) sued Avant for allegedly engaging in unfair loan servicing practices such as withdrawing money from consumers’ accounts and charging their credit cards without authorization.
Avant states that most of its customers have a credit score of 600 to 700. FICO scores between 600 and 669 are fair but are considered by some lenders as bad credit scores.
Why it didn’t make the cut: In 2019, the Federal Trade Commission (FTC) sued Avant for allegedly engaging in unfair loan servicing practices such as withdrawing money from consumers’ accounts and charging their credit cards without authorization.
Prosper is a peer-to-peer lending platform that connects borrowers with individual investors. This system can provide better loan terms compared to traditional lenders in some instances.
Why it didn’t make the cut: However, Prosper requires a minimum score of 640 to apply. While this falls in the Fair range of the FICO scoring system, it is much higher when compared to other online lenders on our list.
Oportun offers personal loans, including co-signed and secured loan options, to borrowers with little or no credit history.
Why it didn’t make the cut: The lender operates in a limited number of states and reports customer accounts to only two of the three main credit bureaus — TransUnion and Equifax. Having your on-time payments reported to every bureau is a must if you want to improve all of your three credit reports.
LendingPoint uses artificial intelligence to analyze several factors, including the applicant's location and cost of living, instead of only relying on the traditional loan approval process.
Why it didn’t make the cut: The company has a minimum credit score requirement of 580, but it only reports to two (Experian and TransUnion) of the three main credit bureaus, a drawback for those consumers who are trying to build or repair their credit using a personal loan.
Universal Credit has a low minimum credit score requirement (560) and offers debt consolidation loans.
Why it didn’t make the cut: Universal Credit has a higher starting APR (11.69%) and origination fees (5.25%) than other loan providers on our list.
PenFed offers loans starting as low as $600 and up to $50,000 with repayment terms of one to five years.
Why it didn’t make the cut: Applicants with bad credit scores could have a harder time getting approved with PenFed than with other companies in our list.
Loans can be lifesavers, especially when unexpected expenses arise. Qualifying for one is also an excellent opportunity to improve your credit rating if you make timely payments. However, it's important to know how to compare loan offers and lenders.
Read on to find out how to choose the best personal loans for bad credit and how these loans work.
Bad credit loans let individuals with poor or no credit history borrow a set amount of money and repay it, plus interest, in fixed monthly payments over the loan's term. However, these fixed-rate installment loans usually have higher interest rates.
While many lenders are hesitant to offer loans to people with bad credit, some do offer options for individuals that are considered high-risk borrowers. In some instances, these loans can provide an excellent opportunity to consolidate credit card debt or for emergencies. Paying a loan on time can also help boost your credit score as it shows creditors you’re responsible when it comes to debt management.
Most lenders use the FICO credit score model to evaluate potential borrowers and determine interest rates, credit limits and other loan terms. FICO scores range from 300 to 850, where scores between 580 and 669 are fair and anything below 580 is poor.
Most people with credit scores within that range, will have a hard time qualifying for a loan. Many lenders require a FICO score of at least 620 but some will have even higher credit score requirements (700 and up). However, some online lenders have set minimum score requirements as low as 580.
The VantageScore is another credit scoring model, and it’s most often used by free credit monitoring sites (like Credit Karma). In the VantageScore range, anything between 601 and 660 is fair and below 601 is poor. Keep in mind that creditors do not widely use VantageScore so it might not give you an exact picture of what lenders will see when you apply for a loan.
A personal loan for bad credit works similarly to any other personal loan. You'll have to fill out an application form with personal information such as your name, date of birth and Social Security number. Lenders will also typically ask for supporting documentation such as proof of identity (like your driver's license or passport), pay stubs, tax returns, bank statements or utility bills.
Approval usually takes a day or less, and you can receive your funds as quickly as the next business day. Minimum loan amounts typically start at $1,000 up to a maximum of around $50,000.
Most lenders let you choose a repayment period, often between two and five years. Note that most lenders allow you to pay off the loan early, but some may charge a prepayment penalty, so you should carefully read the terms before accepting a loan offer.
All lenders charge an APR, or annual percentage rate, which is the yearly interest charged on your balance. The APR range is usually between 5% and 36%, but note that borrowers with bad credit will generally get higher loan rates and fees than individuals with good credit.
Most lenders also charge a loan origination fee, which covers the costs of processing the loan. The origination fee is deducted from your loan proceeds, so you'll receive less than your approved loan amount.
There are a few different types of personal loans to consider; however, not all of these options are easy loans to get for borrowers with a low credit score. Depending on how bad your credit is, all or none of these options might be available to you.
Unsecured personal loans don't require collateral, that is, an asset to guarantee the loan. To determine if you qualify or not, lenders assess several factors such as your credit history and score, income and employment. It can be difficult for individuals with a poor score to qualify for an unsecured loan unless they find a lender willing to work with high-risk borrowers or find a co-borrower with better credit.
Secured loans require collateral as a guarantee for the loan — this could be any valuable asset such as your car, savings account or home. If you were to default on the loan, the lender could take possession of the asset. These types of loans are often easier to qualify for and offer lower interest rates than unsecured loans do. However, before applying, make sure you can make the monthly payments. Missing payments could result in losing what you put up as collateral and damaging your credit score further.
With co-signed loans, a second person has the legal obligation to repay the loan if the primary borrower defaults. These often offer better approval odds and rates for people with bad credit if the second borrower has a good credit history and a steady income.
A payday loan is a type of unsecured, short-term loan usually meant to be paid back before your next payday, hence the name. These loans are often for small amounts, around $500, and can have APRs that can be as high as 200%. By way of comparison, interest rates for personal loans usually cap at 30%.
Some people with low credit scores turn to payday loans as they have lenient credit requirements and can provide quick cash . However, their staggeringly high interest rates and additional fees can leave some struggling to pay it back or deciding what bills to pay on time. Failing to pay the loan can trigger additional fees, leading you to borrow more and increasing your debt.
Cash advances are a quick and easy way to get a short-term loan. They are offered by credit card issuers and allow you to borrow against your card's line of credit.
Cash advances don't require a credit check since they are issued directly through your credit card. However, they usually have higher interest rates when compared to your card's standard purchase APR. For example, cards can have a 15 - 20% APR for purchases and around 26% for cash advances. Credit card companies also typically charge an additional cash advance fee ranging between 3% to 5% of the loaned amount.
If it takes you a while to pay the cash advance, it could hike up your monthly bill, possibly making it difficult to pay the loan or your regular credit card balance.
Loans for people with bad credit typically have higher interest rates and fees than other personal loans. However, it's possible to find reasonable offers. Here are a few tips on how to choose the best loan for you:
Some lenders list their eligibility requirements on their websites, usually under their loan descriptions or in the FAQ section. Look for details such as minimum credit scores, minimum income and preferred debt-to-income ratio.
If your top picks don't disclose this information, keep in mind most bad credit loan lenders prefer credit scores above 580. Also, most lenders favor customers with a debt-to-income (DTI) ratio below 36%.
To calculate your DTI ratio, divide your total monthly debt (mortgage plus auto loan, for example) by your monthly income. For example, if your monthly debt equals $1,000 and your gross monthly income is $3,000, your DTI ratio is 33% (1,000/3,000=0.333).
Interest rates for bad credit loans can be as high as 36%. However, it's possible to find loans with more affordable rates. Compare offers between several companies before formally applying by getting pre-qualified. Also, compare their origination, prepayment and late payment fees.
Repayment terms for personal loans usually range between 24 to 60 months. Keep in mind that a shorter repayment term means that you'll settle your debt sooner and pay less in interest (although your monthly bill will be higher). A longer repayment term reduces your monthly bill, but you'll spend more on interest in the long run.
Most bad credit loans are issued by online lenders. These usually have more flexible eligibility requirements and lower interest rates than traditional banks. However, their customer service is only available through online forms, email and phone. Some clients may not be comfortable dealing with online-only customer service. The brick-and-mortar presence and in-person customer service provided by traditional banks and credit unions, on the other hand, can make some feel more comfortable when applying for a loan or when a problem arises.
If your loan options are limited, applying for a secured loan or using a co-signer with better credit can boost your approval odds and help you get a better deal.
There are risks to both those approaches, however. With secured loans, the debt is backed by collateral, like a car or house. If you default on your loan, the creditor will seize the asset to settle the remaining balance. When using a co-signer, the person is responsible for paying your loan if you default on it.
If you have poor credit, you may be targeted by predatory lenders offering loans without a credit check. Car title and payday loans are some examples of these types of loans. These are typically loans for small amounts but with exceedingly high APRs (they can reach the triple digits) as well as high late fees and penalties.
Other loan offers you receive may be scams so it’s important to verify whether the company is registered in the state it operates. You should also keep in mind that reputable lenders never demand money upfront or offer unclear or confusing terms and fees.
Here are the basic steps you should take to get a personal loan with bad credit:
Reviewing your credit report before applying for a loan can help you better understand your approval odds. Checking your credit report can also help you spot inaccurate or outdated financial information that may be impacting your score. Check out our guide on how to read your credit report for tips on how to interpret the information being reported.
You can request a free copy of your report from each of the three main credit reporting agencies through AnnualCreditReport.com. Normally, you are entitled to one free copy per year. However, due to provisions set in place in response to the Covid-19 pandemic, you can access your report weekly through the end of 2023.
Note that credit scores aren't included in the free report you receive. To get your FICO score (the most widely used metric), you can purchase a report directly from the credit bureaus or through FICO's official website. Some banks or credit card issuers also provide it for free.
Some financial websites and apps offer free credit scores. However, the score they provide is based on the VantageScore scoring system, which isn't a staple amongst creditors and is calculated differently. Some differences between FICO and VantageScore are how much weight the scoring systems put on payment history and credit usage, for example.
If getting a loan isn’t urgent, consider trying to improve your score before you apply. If you take the time to repair bad credit before applying for a loan, you could end up saving hundreds — or even thousands — in interest costs.
Boosting your creditworthiness can take months. However, it’s certainly possible to improve your credit score if you follow these tips:
A pre-qualification is a ballpark estimate of your chances of approval based on basic financial information, including your income and current total debt. It provides a general idea of how much money you could get approved for and the interest rate the lender would offer. While these don't represent an official offer, they’re helpful when comparing loan options.
Pre-qualification is considered a soft credit inquiry, meaning it will not impact your credit score because it’s not tied to a formal application for credit. This lets you check whether you might qualify for a loan with a specific lender while avoiding multiple hard inquiries that can lower your score.
Most lenders let you complete their application online, but what each form asks for can differ. The application usually asks for personal information, such as your name, address, phone number, date of birth and Social Security Number. Lenders might also ask for additional documents like W-2s and pay stubs for proof of annual income and employment.
Credit score and odds of approval
The first thing we looked at was whether you’re likely to qualify at all with bad credit. Many lenders have set risk thresholds for other criteria, so you could still be denied based on not having enough free cash flow at the end of the month, among other factors.
We looked for lenders willing to offer loans to borrowers with scores between 580 and 669 in the FICO score range. Do note that most loan lenders aren't willing to work with customers with scores below 580.
Loan details
We compared interest rates, loan amounts, repayment terms, funding time, disbursement options and additional fees from several banks and online lenders. Our picks offer reasonable terms, no prepayment penalties and better approval odds for individuals with low credit scores who may have difficulty applying for new lines of credit elsewhere.
Credit bureau reporting
Unlike payday lenders, companies on our list report your payments to credit bureaus. Making late payments can harm your credit score further. However, as long as you make your payments on time, you could increase your score, which will make it easier to qualify for loans with more favorable terms in the future.
Consumer satisfaction
We considered the number of complaints each company had with the Consumer Financial Protection Bureau (CFPB) and looked for any history of Federal Trade Commission (FTC) violations. We also took into account customer reviews from reputable sources, like the Better Business Bureau (BBB).
Customer experience
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What is wnl in pubg?
WNL means "Within Normal Limits". Gaming WNL abbreviation meaning defined here. What is OP and other abbreviations in PUBG Mobile? · #1 OP - OP means overpowered. Do you know what cheese, ping, alt, nerf, GG, MMR, OP and other gaming terms mean?.
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Which purpose of budget?
Do you often wonder where does your monthly salary go when there are still bills to be paid? Do you lose sleep at night wondering, if you suddenly lost your job how you will meet your expenses for the next few months? Are your children upset with you because the vacation that you were planning, had to be postponed as you are short of funds? Did your parent have a medical emergency and you ended up borrowing money to meet the expense? If the answer to the above is yes, you are not alone. Almost 70% of the population struggles to manage their expenses within their earnings. If you have been in one (or more) of these situations at some point, the one-stop solution to your problems is budgeting.
What is budgeting?
"A budget is telling your money where to go, instead of wondering where it went." – Dave Ramsay Budgeting is the process of creating a spending plan for your money. By creating this spending plan, you can determine in advance whether you will have enough money to do the things you need to do or would like to do. If you see that you don't have enough money to do everything you would like to do, then you can use budgeting to prioritise your expenses and allocate your money to the things that are most important to you.
Why is budgeting important?
1. Gives you a 360° view of your financial standing
Having a budget helps you get a clear idea of how much money you have every month, and how much you can afford to spend while still saving for emergencies and financial goals. Understanding where you are spending money can also give you clarity on how to divide it amongst your needs and wants.
2. Allows you to align your monthly expenses
The mark of a great budget is paying all that you owe and still having some leftover amount at the end of every month. Adjust how you budget your money every month to suit your circumstances. For example, if you have EMIs, pay those before spending on other things, so that you never miss out on a payment ever again.
3. Enables you to fulfil your financial goals
A budget helps you to set financial goals and save up for them - be it saving up the down payment for a home loan, for children’s education or for a business that you plan to start. A budget can help you redirect your money from unnecessary spending to important goals.
4. Helps you save for a rainy day
Budgeting can help you safeguard your finances against unexpected events if you set aside a small amount in your monthly budget to build an emergency fund. Just like an ant saves food every day to prepare for the winter, it's important that you have an emergency fund for any unforeseen circumstances, which is different from saving up for a long-term goal. Set aside a small percentage of your income until you have enough money to cover at least three to six months’ worth of expenses.
5. Curbs excessive borrowing
With a budget, you can manage your expenses within your income and stop unnecessary borrowing for every big or small expense. Impulsively spending on unnecessary things reduces your spending power every month as more and more of your money is directed towards paying interest costs or for things that won’t have any value in the long run. With a budget, you can even plan for those months when you have additional expenses due to festivals, parties, gifts for weddings, or a destination vacation etc.
6. Reduces money-related stress
"A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life." - Suze Orman
Having a budget can help manage your money wisely, thus relieving you of stress and sleepless nights. This means that you will be able to afford that extra takeout meal without wondering if you’re cutting into your dream home! While crunching numbers may not be your idea of an ideal Sunday, taking time out to budget every once in a while allows you to spend money with confidence. Thus, budgeting becomes the foundation of your pursuit of financial happiness.
Pro tip: To reduce the time and effort spent on managing your money on the weekends, use a budgeting app to quickly record all your expenses every single day.
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What is amazon emi?
Debit EMI is a new EMI method using which you can avail EMI on your debit card. You don't need to have the entire amount in your account at the time of.
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Aws data pipeline vs glue vs lambda?
— Basically, Glue is more of a managed ETL service, and Data Pipeline is more of a managed workflow service. Glue handles your underlying compute.
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Greengrass aws tutorial?
This Getting Started tutorial includes several modules designed to show you AWS IoT Greengrass basics and help you get started using AWS IoT Greengrass.
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What is od protection transfer?
An overdraft protection transfer, or simply "overdraft protection," is an opt-in bank service that lets you link your checking account to another account at your bank or credit union, typically either a savings or credit account. Either way, the amount is usually lower than the bank's standard overdraft fee.
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How to access ucas track?
Anyone who wants to study for a first degree in the UK must apply through the UK's UCAS service. UK residents, residents of the Channel Islands and Isle of Man, citizens of the European Union and other international claims are all covered by this. A list of up to five courses for which applicants are applying is included in the single application submitted by applicants.
The student must apply by January of the following year.
There are only four opportunities for applications for medicine, dentistry and veterinary medicine, and the other can be used to apply for different courses. Route B Art and Design courses only have a maximum of three courses that applicants can choose from, and they have until March to apply for a time permit to complete their portfolios.
The conditions of each university are taken into account when applying for a job.
The "Clearing" service is available for students who have not been accepted in any of their options. The process allows students without a place to apply for courses with vacancies by using the UCAS search tool and contacting each university or college in question to obtain a place.
The merger of the University Central Council on Admissions, PCAS, and the Standing Conference on University Entrance formed the new organization. The organization is located in the UK.
Two high-profile incidents have been involved in the past. The personal database of applicants was accidentally made public in 2001 by UCAS. Errors and omissions in the data provided by the Scottish Qualifications Authority resulted in reporting to universities and students that they achieved higher qualifications than they actually did.
Previously applicants could choose between the two options, but in 2004 they decided to accept paper applications in favor of the entry line.
The "Adjustment" was an optional process for students whose results were better than expected, but it is no longer available.
The introduction of UKPASS in 2007, which is still in its infancy with a number of providers trying to join, was the start of the postgraduate education field.
The GTTR is a postgraduate center that provides initial teacher training for graduates.
The list of UK HEIs that aren't part of UCAS is incomplete.
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can aechmea fasciata be planted outside?
- Light: Indirect light or moderate shade.
- Water: Keep water in the central cup.
- Temperature: Aim for 55 degrees or higher.
- Soil: Any soil mix as these are technically air plants that use their roots for support.
- Fertilizer: Fertilize sparingly with a liquid fertilizer during the growing season.
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What is amazon fulfilled seller?
Seller fulfilled orders contain items that are sold and dispatched by third-party sellers. These items have the message "Sold and fulfilled by (seller name)" on the product detail page. The steps to place a seller fulfilled order are the same as placing any other order on Amazon.in.
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how to get to mgh by train?
Charles/MGH station is a rapid transit station on the MBTA Red Line, elevated above Charles Circle on the east end of the Longfellow Bridge in the West End neighborhood of Boston, Massachusetts. The station is named for Charles Circle and the adjacent Massachusetts General Hospital (MGH) campus. It has two side platforms, with a glass-walled headhouse structure inside Charles Circle. Charles/MGH station is fully accessible.
The Cambridge subway opened in 1912; planning for an infill station at Charles Street began in 1924. After several false starts, construction of Charles station began in 1931. The Art Deco station, with cast stone headhouse and copper-sheathed platforms, opened on February 27, 1932. A pedestrian tunnel that provided station access was replaced by footbridges in 1961. The station was renamed Charles/MGH in 1973. From 2003 to 2007, the station was renovated for accessibility; a new glass entrance replaced the original structure. The proposed Red–Blue connector would extend the Blue Line to Charles/MGH, with a new underground platform level.
Charles/MGH station is located at Charles Circle at the west end of the West End and Beacon Hill neighborhoods. The station is on a short elevated segment that connects tracks in the median of the Longfellow Bridge to the west with an incline into the Beacon Hill Tunnel to the east.: 1–7 The two elevated side platforms, 22 feet (6.7 m) above ground level, run west from Charles Circle onto the east end of the Longfellow Bridge.
At their east ends, the platforms widen into passageways that lead to elevators, escalators, and stairs to the surface-level fare lobby in the center of Charles Circle. The station entrance is on the west side of the fare lobby under the tracks, with crosswalks connecting to the sidewalks on both sides of Cambridge Street.: 3–6 The fare lobby and passageways are wrapped in a teardrop-shaped curved glass facade, while most of the platforms have a patinaed copper windscreen.: 66
The Boston Elevated Railway (BERy) opened its Cambridge Subway from Park Street Under to Harvard on March 23, 1912. The line ran in the median of the Longfellow Bridge to cross the Charles River. Like the Lechmere extension opened the same year and the Boylston Street subway opened in 1914, the Cambridge Subway originally had no station serving the area just outside downtown Boston, to speed travel time from farther stations.: 41 Although Bowdoin opened on an extension of the East Boston Tunnel in 1916, much of the West End and Beacon Hill neighborhoods were poorly served by the subway system.
On June 2, 1924, the Massachusetts General Court passed legislation authorizing the state Department of Public Utilities (DPU) to construct an infill station at Charles Street. Following a 1924 study by the Boston Transit Department (BTD), the DPU delegated the project to the BTD on January 12, 1925. That study also considered an extension of the East Boston Tunnel to Charles Street to provide a transfer between the lines. The project stalled in 1926 as the $600,000 appropriated by the legislature was only sufficient for four-car platforms, while the BERy insisted on six-car platforms at a cost of $850,000 to accommodate its future plans.
Despite pressure from the Massachusetts General Hospital, located adjacent to the proposed station site, the legislature again refused additional funding in 1927. Uncertainty over whether the station would be built delayed plans to construct a traffic circle at the intersection.
No further progress was made until 1930, when the BERy and BTD reached an agreement for a $350,000 station with four-car platforms. The cost reduction was achieved by having the platforms on the straight track west of Charles Street, rather than the curve to the east. Plans for the station were completed in July 1930. Bidding on the station opened in early July 1931, and a construction contract was awarded later that month. Charles Circle was completed in November 1931, by which time the steel structure of the station was in place in the center of the traffic circle. Charles station opened on February 27, 1932. The station was served by Bowdoin Square–Park Square and Charles station–Massachusetts station bus routes, though a Kendall Square–Bowdoin Square route was closed with the station's opening.
Charles station was designed by H. Parker from the office of Richard Clipston Sturgis.: 65 The three-story headhouse structure, 42 by 70 feet (13 m × 21 m), was framed with steel and clad in cast stone.: 14 : 65 The first story had a rough finish, while the double-height second story and the third story (divided into two by the tracks) were smooth. The structure was Art Deco/Art Moderne in style, with decorative pilasters and a chevron panel.: 1–6 The platforms had copper windscreens, also in Art Deco style.: 65 : 1–6 A north-south pedestrian underpass crossed the traffic circle, with stairs leading from the underpass to the station entrance. Only the north half of the underpass was originally planned; public pressure resulted in the addition of the south half. A 14-story Art Deco tower over the station, designed by H. F. Kellogg, was proposed but never built.
In 1961, the pedestrian underpass was replaced by a pair of footbridges, with the south footbridge forked to reach both sides of Charles Street. The second story was modified to serve as a fare mezzanine, with a low ceiling under the trackway. Openings were cut in the walls to accommodate the footbridges.: 1–6 Around half of pedestrian traffic on the footbridges was crossing the circle rather than using the station, which caused congestion in the mezzanine area.: 14 In 1964, the Massachusetts Bay Transportation Authority (MBTA) replaced the Metropolitan Transit Authority, which had replaced the BERy in 1947. The MBTA designated the line as the Red Line in 1965.
The final bus service at the station, a Back Bay–Downtown circulator route, was discontinued in June 1971. In December 1973, the station was renamed Charles/MGH after the nearby Massachusetts General Hospital (MGH). Three southbound trains collided inside the Beacon Hill Tunnel just south of the station on August 1, 1975, injuring 132 passengers. In 1982, the platforms were extended 120 feet (37 m) west to allow for use of six-car trains, which began operation in 1988.: 15 Surveys in 1984 and 1987 found that the station was not eligible for inclusion on the National Register of Historic Places.: 66
The MBTA renovated most Red Line stations for accessibility in the 1980s and 1990s. Planning began for modifications to Charles/MGH in the late 1990s.: 1–4 Although the station was determined to be eligible for inclusion on the National Register, it was in poor condition: the cast stone cladding was spalled and cracked, water infiltration had rusted steel and damaged plaster, and the mezzanine level was overcrowded.: 14 : 1–7 The platforms were pitted, columns were rusted, and paint was peeling.: 15 Three options were developed in a 2000 design report: rehabilitation of the existing station with added elevators, a new surface-level station entrance slightly to the east inside the traffic circle, and a surface-level entrance at Cedar Street with a footbridge above the tracks and ramps down to the platforms. The second option was recommended.: 63
In June 2003, the MBTA began its $34.4 million reconstruction of the station – part of a $48.6 million project that also realigned Charles Circle. Temporary staircases directly to the platforms were opened in May 2004. The pedestrian bridges were removed, and the original headhouses were demolished in July 2004. The new glass headhouse was built slightly to the east of the former headhouse location.: 66 The copper platform enclosures were restored with new interior cladding to preserve some of the historic station architecture.
The new entrance opened on February 17, 2007, making the station fully accessible. Public art created by the community from recycled materials was installed in the fare lobby in June 2007. The renovations made the station no longer eligible for National Register inclusion.: 66 The renovation received the "Honor Award" from the Massachusetts Architectural Access Board in 2009.
Design began in October 2019 for rehabilitation of the viaduct spans around the station, as well as the station platforms. Design is expected to be complete in October 2023, with construction from 2024 to 2026. The project will also include redundant elevators at the station.
The Red–Blue connector is a proposed 0.4-mile (0.6 km) extension of the Blue Line from Bowdoin west under Cambridge Street, providing a direct transfer between the Red and Blue lines. The project was first proposed in 1924, and was returned to consideration in the 1978 update to the Program for Mass Transportation. In 1991, the state agreed to build the project by 2011 as part of the settlement of a lawsuit over auto emissions from the Big Dig project. This commitment was changed to design only in 2007–08 and lifted entirely in 2015.
Original plans for the connector in 1986 called for a cut-and-cover tunnel extension west from Bowdoin, with an underground stub-end terminal connected to the existing Charles/MGH station. Three configurations for the Blue Line level at Charles/MGH were considered: a three-track terminal with two island platforms, a two-track terminal with one island platform and pocket tracks to the east, and a three-track terminal with one island platform (one track not used for passenger service) and pocket tracks to the east. The 2010 Draft Environmental Impact Report instead called for a pair of deeper tunnels bored by a tunnel boring machine (TBM); the Charles/MGH terminal would have a single island platform with tail tracks extended to the west.
A 2018 update which analyzed multiple tunneling methods maintained this station configuration. In April 2019, the MBTA indicated plans to spend $15 million to design the connector in a five-year spending plan. In April 2021, MGH released the Draft Project Impact Report for their expansion plans, which include space reserved for a new headhouse on the north side of Cambridge Street near North Anderson Street. MBTA conceptual designs created in 2020 and released in 2021 also maintained the station configuration, with the new MGH entrance incorporated. Potential designs not chosen included one with a below-grade fare mezzanine for both lines, and one with the Blue Line platform located on the north side of Charles Circle. Construction was planned to last from 2025 to 2030.
Media related to Charles/MGH station at Wikimedia Commons
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