In short, and in general:
Advantages
<span>Credit Unions typically pay higher dividend rates on savingsCredit Unions typically offer lower rates on loansCredit Unions typically provide better service; since they are owned and governed by their membership, they tend to prioritize the needs of their members above all elseCredit Unions operate on a not-for-profit business model, so excess earnings are returned back to the membership in form of competitive rates and lower fees, and sometimes even special dividendsMany Credit Unions offer the same products and services found at banksCredit Unions often have added-value benefits, such as free financial education, discounted theme park tickets, and special member rates for services such as home alarm systems...even discounts at online retailers like Barnes & Noble.</span>Disadvantages
<span>Credit Unions, and in particular smaller local credit unions, struggle to match the level of convenience (ATMs and branches) that many banks provide their customers, although many CUs are part of shared networks which enhance the breadth of delivery channels available to their membersSome Credit Unions are limited in their product offeringsOne must qualify for membership <span>One must pay a membership fee to join. hope this helps!
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Answer:
cost of running the furnace during January is $5619.62
Explanation:
given data
runs a day = 13 hours
January days = 31 days
resistance = 7.2 ohm
current = 16.7 A
cost of electricity = $0.10/kWh
to find out
cost of running the furnace during January
solution
first we get her power consumed by furnace that is
Power consumed = 
........1
put here value we get
Power consumed = 
Power consumed = 38.7347 W
and
Power consumed by furnace in one hour is
Power consumed by furnace in one hour is = Power consumed × 3600
Power consumed by furnace in one hour is = 38.7347 × 3600
Power consumed by furnace in one hour is 139.445kWh
and
Power consumed by furnace in the month of January is
Power consumed by furnace in the month of January = 139.445kWh × 13 hours × 31 days
Power consumed by furnace in the month of January = 56196.335 kWh
so
cost of running the furnace during January is = $0.10/kWh × 56196.335 kWh
cost of running the furnace during January is $5619.62
Answer:
No temperature change occurs from heat transfer if ice melts and becomes liquid water (i.e., during a phase change). For example, consider water dripping from icicles melting on a roof warmed by the Sun. Conversely, water freezes in an ice tray cooled by lower-temperature surroundings.
Explanation:
Energy is required to melt a solid because the cohesive bonds between the molecules in the solid must be broken apart such that, in the liquid, the molecules can move around at comparable kinetic energies; thus, there is no rise in temperature. Similarly, energy is needed to vaporize a liquid, because molecules in a liquid interact with each other via attractive forces. There is no temperature change until a phase change is complete. The temperature of a cup of soda initially at 0ºC stays at 0ºC until all the ice has melted. Conversely, energy is released during freezing and condensation, usually in the form of thermal energy. Work is done by cohesive forces when molecules are brought together. The corresponding energy must be given off (dissipated) to allow them to stay together Figure 2.
The energy involved in a phase change depends on two major factors: the number and strength of bonds or force pairs. The number of bonds is proportional to the number of molecules and thus to the mass of the sample. The strength of forces depends on the type of molecules. The heat Q required to change the phase of a sample of mass m is given by
Q = mLf (melting/freezing,
Q = mLv (vaporization/condensation),
where the latent heat of fusion, Lf, and latent heat of vaporization, Lv, are material constants that are determined experimentally.
Here we can use momentum conservation as in this type of collision there is no external force on it
now here we can say
now here we can say
now by coefficient of restitution
for elastic collision we know that e = 1
now by solving the two equation
also we know that
so final speed of the nail is 6.875 m/s
