“Webb can see backwards in time to just after the Big Bang by looking for galaxies that are so far away that the light has taken many billions of years to get from those galaxies to our telescopes,” said Jonathan Gardner, Webb’s deputy project scientist said during a June media briefing. Astronomers measure how far back they look in light-years with one light-year being 5.8 trillion miles (9.3 trillion kilometers). It found the light wave signature of an extremely bright galaxy in 2016. Hubble has stared as far back as 13.4 billion years. Webb is considered the successor to the highly successful, but aging Hubble Space Telescope. “This is everything we’ve dreamed of in a telescope like this.” “This is absolutely spectacular, absolutely amazing,” he added. “It’s the things you almost can’t see here, the tiniest little red dots.” “It takes a little bit of time to dig out those galaxies,” University of California, Santa Cruz, astrophysicist Garth Illingworth said. Outside scientists said those calculations will take time, but they are fairly certain somewhere in the busy image is a galaxy older than humanity has ever seen, probably back to 500 million or 600 million years after the Big Bang. How far back past 13 billion years did that first image look? NASA didn’t provide any estimate Monday. The plan is to use the telescope to peer back so far that scientists will get a glimpse of the early days of the universe about 13.7 billion years ago and zoom in on closer cosmic objects, even our own solar system, with sharper focus. Then the lengthy process began to align the mirrors, get the infrared detectors cold enough to operate and calibrate the science instruments, all protected by a sunshade the size of a tennis court that keeps the telescope cool. It reached its lookout point 1 million miles (1.6 million kilometers) from Earth in January. The world’s biggest and most powerful space telescope rocketed away last December from French Guiana in South America. The pictures on tap include a view of a giant gaseous planet outside our solar system, two images of a nebula where stars are born and die in spectacular beauty and an update of a classic image of five tightly clustered galaxies that dance around each other. ![]() Sasselov said he and his colleague Charles Alcock first thought “we’ve seen this before.” Then they looked closer at the image and pronounced the result not only beautiful but “worth all that waiting” for the much-delayed project.Īnd even more is coming Tuesday.
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Here’s our rundown of the top 5 BNPL apps and services, including the key figures you should know before you use one. GoCardless can also help you collect invoice payments on time and automate recurring payments.The 5 best ‘buy-now, pay-later’ platforms of 2023 Offering instalment packages to your customers has been shown to increase sales, and it's easy to do this with ACH Debit via GoCardless. GoCardless helps you affordably automate payment collection, ensuring payments are always paid on time. It’s always a good idea to compare BNPL to other financing options, including personal loans and rewards credit cards, to ensure you’re getting the most for your money. Any late or missing payments could cause a hit to your credit score. While some companies will ask you to make four equal instalments, others will spread them out into longer repayment periods. Just be sure that you understand the terms and conditions clearly. Some BNPL options offer an easy way to finance a larger purchase without interest fees, which seems like a good deal on paper. ![]() Does Buy Now Pay Later offer a good deal? With additional sites like Quadpay and PayPal also available, you might even see more than one BNPL option to choose from at checkout. ![]() It typically breaks payments into four equal instalments with no interest fees. Klarna is a third option, partnered with stores including Macy’s and Sephora. This means that while some Affirm loans come with zero interest, others will have a 30% APR. Its payments have zero interest rates attached.Īffirm partners with brands like Walmart, but one thing to note is interest rates are set by the individual retailer. One of the largest sites in the US is Afterpay, which partners with big names like Gap and Old Navy. Most major retailers now partner with a BNPL provider to offer their customers this option. In a survey carried out by The Strawhecker Group (TSG), BNPL customers noted that they tend to spend more through BNPL than other payment methods. However, it's important to remember that BNPL encourages you to spend money. To minimize any downsides, look for plans with no interest rates that you know you’ll be able to pay off on time. Missed or late payments will impact your credit score Refunds can be delayed due to extra processing times No cash-back bonuses, rewards points, or other perks On the other hand, there are a few potential downsides as well: There are advantages and disadvantages to Buy Now Pay Later arrangements.Ī soft credit check doesn’t impact your score Pros and cons of Buy Now Pay Later for consumers Read more about the business benefits of adding bank payment methods like ACH Debit to your payment mix. GoCardless is a global leader in bank payments such as ACH Debit that offer businesses more reliable, secure and affordable payment collection. BNPL and bank debitīNPL provider Klarna chose GoCardless to offer our bank payment service to their 21 million US customers! However, credit card payments are more flexible in that you only need to pay the minimum balance each month. This sets BNPL apart from credit card payments, which come with accrued interest. Most short-term plans are broken up into four equal instalments without any added surcharge or interest fees. One variation is when you see the phrase “buy now, pay later, no money down.” This means that you don’t need to pay anything to check out and receive your product. You pay the remaining cost over time in a series of instalmentsīNPL plans typically accept multiple payment options, including card payments and online bank transfers. You make an initial instalment or down payment at checkout You provide some basic details for a soft credit check You make a purchase and choose the BNPL option at checkout How does Buy Now Pay Later work when you pay in instalments? ![]() While the general principle is the same across all BNPL plans, there is some variation when it comes down to the terms and conditions. Like other loans, some BNPL plans include interest payments and late fees, although many plans don’t have any added charge. These payments typically spread the cost over multiple small installments – BNPL arrangements are often called point of sale installment loans for this reason.Ĭonsumers can pick and choose from a variety of Buy Now Pay Later options, including Klarna, Affirm, and PayPal. What is Buy Now Pay Later financing?īuy Now Pay Later, or BNPL for short, is a financing arrangement that allows consumers to make a purchase and pay for it later. ![]() But what does “Buy Now Pay Later” mean exactly, and what can you purchase with it? We’ll give an overview of how this form of financing works, along with its pros and cons, below. You may have seen or heard the phrase in advertisements, particularly online: buy now, pay later, no money down. ![]() They could even log in to your online banking or shopping accounts if you forget to log out. When using a public computer, unless you delete your cookies after every session, the next person who logs on could potentially see your browsing history.
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