what is my lilith sign and house. how many ww2 veterans are still alive uk 2020 ...Stay with me here. Black Moon Lilith is located at the point that mirrors Earth's location in the oval on the side of the lunar apogee. In other, shorter, words: It's basically the real-life version of Pink Floyd's Dark Side of the Moon. (In fact, it's occasionally referred to as the "Dark Moon"!)Black Moon Lilith is a mathematical point named after a female demonic figure. In the horoscope, Lilith in houses reveals in which life area you have shadow work to do. She often marks painful, even traumatic experiences. Associated with the Moon, Lilith expresses herself on a subconscious level. Her chaotic and rebellious energy can cause ...This is another theoretical point. Our Lilith placement is where we cut the bullsh*t so we can get to the heart of the matter. You will be lured in. By signing up you are agreeing to receive emails according to our privacy policy. Find your Lilith sign by entering your birth information into an online calculator.Our Juno sign calculator uses NASA data to calculate the position of your Juno sign when you were born. Simply enter your birth details above and we'll tell you the exact sign, house, and degrees of Juno in your birth chart. The sign it falls in can give you an indication of your future partner. You can use our chat Astrologer function to ask ...Lilith is a fascinating persona in the popular video game series, Persona. Known for her ice-based abilities, Lilith is a formidable force to be reckoned with. One of her most powe...Jan 7, 2024 · Lilith’s placement in a specific sign and house can provide insights into your subconscious desires, untapped potential, and areas of growth. For example, if your Lilith is in Aries, you may have a strong desire for independence and autonomy. If your Lilith is in the 6th house, you may have a tendency to resist authority figures in the workplace.The sensual contact, hearty meals, and comforts of residence are all associated with the Taurus zodiac symbol. You can find yours using our Lilith-Black Moon Calculator below. Black Moon Lilithis also known as Mean Lilith. After finding out your Lilith sign, you can read a longer interpretation of your Lilith sign here.Lilith in 4th house can indicate karmic baggage. If there are other indicators in the natal chart, Lilith in 4th house can suggest that the native doesn't recognize their feminine side/shuns yin energy. Their attitude to women can be destructive. The sign in which this point falls in your birth chart is significant as well.Look up your Vertex sign. If you are unsure of the sign of your Vertex, you can determine it by entering your data below in this Vertex Sign Calculator: Birth Date. Exact Birth Time. Birth City. Please enter your birth city ONLY in the location field, and then scroll for the correct location. For example, if you were born in Dallas, Texas ...Black Moon Lilith is an astrological point that represents the lunar apogee, or the farthest point of the Moon's orbit from Earth. It is not a physical celestial body but rather a calculated point that holds symbolic significance in astrology. Black Moon Lilith is associated with deep, primal energy, intuition, and the shadow self.Here are the steps to using a Vedic calculator: Enter your birth date, time, and location information. Once you enter your information, the calculator will generate a personalized birth chart or horoscope. The birth chart will typically be divided into 12 houses, each representing different areas of life, such as career, love, family, etc.It is calculated by taking the position of the planet Lilith in the birth chart, and then finding the house in WebSimply, Lilith (or the dark moon) is a powerful, provocative point in your astrological chart. WebCalculate my lilith - Astrologers call Lilith the dark moon. It feels good to be useful.Finding Lilith in You Birth Chart All online birth chart calculators don't include Black Moon Lillith. When you have found your Black Moon, you will recognize it as this symbol: Before getting into the specific traits, it is helpful to WebBlack Moon Lilith Calculator After finding out your Lilith sign, you can read a longer interpretation of ...Lilith is a point in the sky that is calculated. Lilith hangs out in each zodiac constellation for around 9 months. The black moon point or the Lilith point is placed in the ecliptic path of the moon. Use your Lilith placement as an opportunity to conquer your deepest struggles and empower yourself in the future.Birth city: ( Enter coordinates manually ) Compare your birth chart in multiple house systems: Extended settings: Aspects, Planets. * Birth City Black Moon Lilith in Astrology Read about the sign of your Lilith here. Math Tutor. If Lilith is a one-star symbol, your charming abilities and sensuous temperament are on full display. Animate chart ...The sensual contact, hearty meals, and comforts of residence are all associated with the Taurus zodiac symbol. You can find yours using our Lilith-Black Moon Calculator below. Black Moon Lilithis also known as Mean Lilith. After finding out your Lilith sign, you can read a longer interpretation of your Lilith sign here.Sep 9, 2022 · At its core, Lilith represents our primal urges and unconscious desires. It is connected to our basic sexual nature and primordial instincts. What house is Lilith in birth chart? The key to moderation and empowerment is self-acceptance. This can also apply to Lilith in the twelfth house.how much house can i afford based on income. what house is my lilith in calculatorAug 27, 2023 · If you know your birth time, the updated calculator will also tell you the house where your Black Moon Lilith is in your chart and will consider that house in the interpretation of your Lilith. See what your shadow side has to tell you with our enhanced Black Moon Lilith Calculator.Second House. This is one of the career houses and rules your values, resources and material possessions. It describes your finances, personal belongings, spending habits, income sources, and your relationship to each of these. This house also governs how you feel about yourself, your sense of self-worth, your physical and psychological resources.what house is my lilith in calculator In fact, youre almost too comfortable with diving into your own and others emotional depths and skeleton-filled closets. If Lilith seems to be with you, then you have become a true earthy queen. Angel Eyedealism is an Astrologer and Performance Artist based in the Lower East Side of Manhattan.Lilith in the second house of a natal chart indicates a strong desire for material possessions. The person may have an insatiable thirst for wealth and objects that capture their attention. Lilith can make the person excessively greedy, especially when in hard aspects with Mars, Pluto, Venus or Jupiter.The 1st house in astrology is representative of how you express your self identity. The sign on the 1st house in the natal chart symbolizes the energy through which you tend to filter all of your experiences. Here you get to know yourself, your basic needs, and desire to be seen as an individual. In the 1st house you are having a "me ...what house is my lilith in calculatorTo calculate cost per square foot, divide the purchase price of a house by its total square footage. For instance, if a house with 2,000 square feet sells for $180,000, the cost pe...Compare Astrological House Systems Report. The following tool allows you to compare various house systems to determine how they affect your natal chart through a table of house positions and planet house positions for each house system. The house systems used in this report are Placidus, Whole Sign, Equal, Koch, Regiomontanus, Morinus ...what house is my lilith in calculator. ... Asteroid Lilith is the only Lilith that is an actual, verifiable physical body. Math Tutor. Algol is a star in the head of Medusa in the constellation Perseus. This image may not be used by other entities without the express written consent of wikiHow, Inc.Can anyone give me a link to where I can find out in what house my black moon lilith is in. Im having si much trouble finding that out. Please and thank you 💓 This thread is archived New comments cannot be posted and votes cannot be cast Related Topics Astrologer ...Lilith in the 9th house of a natal chart illuminates a path of unconventional wisdom and exploration in the realms of higher learning, philosophy, and long-distance travel.Known as the Dark Moon, Lilith's presence in this house challenges traditional belief systems and urges a journey into the unknown, both intellectually and spiritually.The 9th house, associated with broader perspectives ...The Black Moon Lilith is just the same. Tucked away somewhere in the dark, it secretly rules the unknown worlds. Away from our perception, the Black Moon Lilith marks the bottom of the world. The netherworlds. This point triggers the unravelling of the dark feminine energy that's cold to male dominance.Jun 18, 2023 · Lilith in Taurus or the 2nd House. Taurus is the sign of earthly delights, sensuous touch and delicious home cooking. With Lilith here, you’re truly a goddess of the earth. You care less about material possessions and more about long term sustainability. As a kid, you likely thrived during your class nature trips and the composting unit in ...Knowing the estimated value of your own home helps you price your home for sale, as a precursor to an official home appraisal. Understanding your home's worth allows you to estimate the proceeds of a future home sale, so you can get a better estimate your budget for your next home.And, if you're shopping, it's also useful to check the value of homes in the area to ensure your offer is ...Is It a good idea to refinance your mortgage? Use our mortgage refinance calculator to determine how much you could save today. Is It a good idea to refinance your mortgage? Use ou...is it safe to go to progreso mexico 2021. curtis nelson obituary. lilith synastry calculatorHouse Systems Calculator - Compare Astrology Houses Online. Date of Birth. Time (local time) h min. Birth city: ( Enter coordinates manually ) Compare your birth chart in multiple house systems: Extended settings: Aspects, Planets. Current planets.Vancouver houses for rent. Waco houses for rent. Warner Robins houses for rent. Wichita houses for rent. Wilmington houses for rent. Show more. Discover how much your home is worth. Redfin's free, instant home value estimator will help you determine the value of your home, or a home you're in.Lilith in Virgo or the 6th House And this is because you have an idiosyncratic approach to living your day to day life. Your planner doesn't look like anyone else's (or maybe you don't even keep one!) and yes, your apartment is usually a mess, but where other people see chaos, you see a gift.Hard ninth house placement can indicate self-righteousness, dogmatic beliefs. Black Moon Lilith in 9th house can try to convince others to see the world in the way the Lilith person does. If Lilith is close to the Midheaven, it can indicate problems with your reputation. The ninth house is the house of foreign travel as well.For accurate results, enter your birthdate, time, and place. Your birth information determines Lilith’s position. To get your Lilith sign, also known as Black Moon Lilith, click …Calculate your rising sign with this rising sign calculator. The rising sign is also known as the ascendant. An exact birth time is required. Even a few minutes of difference in your birth time can change your rising sign. Tip: Make sure the UTC time offset is correct. If it's wrong, you can change it.WebCalculate your Black Moon Lilith here. Your Lilith sign helps you grow from past shame through empowerment. The black moon point or the Lilith point is placed in the ecliptic path of the moon. Finding Lilith in You Birth Chart All online birth chart calculators don't include Black Moon Lillith.Lilith is a point in the sky that is calculated. Lilith hangs out in each zodiac constellation for around 9 months. The black moon point or the Lilith point is placed in the ecliptic path of the moon. Use your Lilith placement as an opportunity to conquer your deepest struggles and empower yourself in the future.The house of your Lilith in the natal chart tells in which life area you experience shame, guilt, insecurity, and where you fight for dignity. This life area teaches you to strengthen your boundaries and stand up for yourself. Lilith in 2nd house suggests that your sense of worth is affected by early experiences with pain and even trauma.Total monthly mortgage payment. P. Principal loan amount. r. Monthly interest rate: Lenders provide you an annual rate so you'll need to divide that figure by 12 (the number of months in a year ...Instead of claiming your title as an oracle though, these visions can make you feel like an outcast. WebCalculate my lilith - Astrologers call Lilith the dark moon. With Lilith here, youre truly a goddess of the earth. The black moon or the lilith signifies the dark sides of the mind and mentality of an individual.Quick translation: It’s the point in the Moon’s orbit where it’s furthest away from the Earth. So just to clarify, Black Moon Lilith is not a literal Moon or a planet, it’s a mathematical ...Fortune, Nodes, Lilith, Chiron. Optional calculations: House System, Aspects, Orbs. This Lilith uses the average orbit of the theoretical Black Moon. Copy and paste these numbers into the empty box on the bottom of the screen: 1181, h12, h13, h58 Press Click here to show the chart. Asteroid Lilith: 1181 Black Moon Lilith/ Mean Lilith: h12 ...Feb 13, 2024 · One popular tool is the Lilith Sign Calculator on Astro Seek. This tool not only calculates your Lilith sign but also provides an interpretation of what it means. Another useful resource is the Black Moon Lilith Calculator on Astrology Library, which provides information on the position of the Black Moon Lilith in each sign and house.Asteroids in Natal chart - Asteroid Online Calculator. Tropical Sidereal zodiac (Lahiri) Raman Krishnamurti Takra Fagan-Bradley De Luce Larry Ely Usha/Shashi Yukteshwar J.N. Bhasin Djwhal Khul Hipparchus Sassanian True Citra 0°Lib True Mula 0°Sag True Pushya 16°Can (PVRN Rao) True Revati Aldebaran 15°Tau Vettius Valens Galactic Center mid ...The Black Moon Lilith is neither a physical phenomenon but rather a conceptual concept, a lunar paradise devoid of any other celestial bodies like this calculator houses. The movement pace of black moon is nearly 40 degrees a year, taking nearly nine years to complete a single circle.To calculate the precise position of Lilith it is necessary that you insert the exact date, time, and place of birth of the person whose Lilith you want to calculate. 8 th house of the natal chart The eight house is the house of Scorpio, and alongside the twelfth house is the most spiritual and mysterious.If birth time is unknown, check this box.*. It is calculated by taking the position of the planet Lilith in the birth chart, and then finding the house in With Lilith in Gemini, youre a free spirit when it comes to getting your ideas out there. This image isWritten by Alison. Saturn teaches us about maturity, self-control and the type of behavior we develop in the face of life's trials. By indicating your date, time and place of birth, you find out your Saturn in sign and house (Note: for cities of birth, it is necessary to put the hyphens if there are any): Enter your date of birth: (Day/Month/Year)Astrology Calculators. Calculate various astrological things including your birth chart, your zodiac sign for each individual planet, gift ideas and more with our free astrology calculators. Custom Color Birth Chart Tips To interpret your birth chart, see 4 Easy Birth Chart Reading Techniques For Beginners. You may also want to […]Lilith in the 3rd house in synastry casts a shadow of complexity and intrigue over the realms of communication, intellect, and short-distance travel.This placement often indicates a relationship where words and ideas carry a powerful charge, capable of both deep connection and potential misunderstanding.It suggests that communication within …House Systems Calculator - Compare Astrology Houses Online. Date of Birth. Time (local time) h min. Birth city: ( Enter coordinates manually ) Compare your birth chart in multiple house systems: Extended settings: Aspects, Planets. Current planets.Lilith moon calculator finds your black moon or dark moon sign from your date of birth. The black moon Lilith is generally associated with the black or dark side of one’s personality. It shows your negative characteristics that may get out of hand if not controlled in time. Get your personalized Lilith astrology reading and become a better ...2. Natal Meaning of Lilith in the Eighth House. In the natal chart, Lilith in the Eighth house signifies a provocative and mysterious energy surrounding the individual's sexuality, power dynamics, and experiences with personal transformation. It suggests a natural inclination to delve deep into the realms of the psyche and explore taboos.what house is my lilith in calculatormr jason harvey spinal surgeon richard ballard obituaryIt seems like there are four because there are two ways of measuring the Black Moon Lilith. Black Moon Lilith is complicated calculation based on the orbit of the moon, so her orbit can vary wildly. Using the exact calculation (happily done for us by computers) results in your True Lilith (AKA Oscillating Lilith) placement. This is by far …Astrology Calculators. Calculate various astrological things including your birth chart, your zodiac sign for each individual planet, gift ideas and more with our free astrology calculators. Custom Color Birth Chart Tips To interpret your birth chart, see 4 Easy Birth Chart Reading Techniques For Beginners. You may also want to […]Transit Conjunctions in Natal Chart - Online Calculator. Date of Birth. Time (local time) h min. Birth city: ( Enter coordinates manually ) Current city (Set your local timezone) ( Enter coordinates manually ) Transit Conjunctions.Lilith in the 8th house of a natal chart plunges into the depths of intimacy, transformation, and shared resources.Known as the Dark Moon, Lilith in this position reveals a journey filled with intense and often taboo experiences related to sexuality, psychological exploration, and deep-seated emotional bonds.The 8th house, associated with transformation, other people's money, and deep intimate ...what house is my lilith in calculator. city of gainesville permit search; tula tungkol sa pagtulong sa agrikultura. i used boric acid suppositories while pregnant; how long is frosting good for after expiration date; vybe pro massage gun attachment guide; retirement payment schedule 2022;what house is my lilith in calculator. I agree with who is the richest man in mbaise Register. Back to Login. what house is my lilith in calculator. Reset Password. Return to Login. fisher wireless charger instructions. iberostar club membership cost; lawrence summers epstein; morning light rendy pandugo lirik;Moved Permanently. The document has moved here.What are the asteroids in astrology? The asteroid belt is a packed place, but astrologers have adopted a few as our own. Since Venus and the moon are the only ones representing the feminine force in the chart, we've turned to the asteroid belt to fill in the blanks.. Many of the asteroids are named after the female family of Jupiter—his daughter Pallas Athena, his sister Ceres, his wife Juno.First, determine your natal chart by getting your birth date, time, and place. Calculate the Black Moon Lilith (BML) by using a planetary ephemeris. Plot the BML on your natal chart and find its house placement, aspects to other planets, and sign. Analyze the interpretation of Lilith in your chart, including its impact on your relationships ... Instead of claiming your title as an oracle though, these visions can make you feel like an outcast. WebCal
Finding Lilith in You Birth Chart All online birth chart calculators don't include Black Moon Lillith. When you have found your Black Moon, you will recognize it as this symbol: Before getting into the specific traits, it is helpful to WebBlack Moon Lilith Calculator After finding out your Lilith sign, you can read a longer interpretation of your Lilith sign here.what house is my lilith in calculator. Is Milkfish Good For Fatty Liver ...Understanding the placement of Black Moon Lilith in your birth chart can provide valuable insights into your personality and innermost desires. One crucial aspect to consider is the house in which your Black Moon Lilith is located. The Black Moon Lilith in each house will manifest in different ways, influencing various areas of your life.Knowing the estimated value of your own home helps you price your home for sale, as a precursor to an official home appraisal. Understanding your home's worth allows you to estimate the proceeds of a future home sale, so you can get a better estimate your budget for your next home.And, if you're shopping, it's also useful to check the value of homes in the area to ensure your offer is ...Our Most Accurate Free Imum Coeli (IC) Calculator is designed to offer insights into your personal core and foundations with the following details: Accurate determination of your IC sign based on your precise birth details. Deep insights into your inner self and emotional needs. Understanding of your familial relationships and roots.WebLilith in Taurus or the 2nd House. Living at your own pace means that you sometimes miss out on larger scale opportunities. This image may not be used by other entities without the express written consent of wikiHow, Inc.Your Jupiter sign shows your style of luck and your easiest path to good things. It also shows what you idealize and what your ethical, religious, and philosophical standards are. If birth time is unknown, check this box. Tip: Make sure the UTC time offset is correct. If it's wrong, you can change it.As a homeowner, taking care of your roof is essential to maintaining the integrity of your house. Whether you’re facing a repair or considering a replacement, estimating the costs ...Lilith in this house can create tension and difficulties in these areas. One of the main challenges is the potential for self-destructive behavior when it comes to finances. Lilith in the 2nd house can lead to impulsive spending and a lack of concern for financial stability. This can result in debt, financial instability, and a lack of security.what house is my lilith in calculator. The app is fast, reliable, and accurate, even though the explanations are limited without paying for pro it's still enough. What is Lilith in your birth chart? If you imagine an ellipse with the moon at its center, then the Black Moon Lilith would be the position at which the moon is most distant away from ...Lilith is a point in the sky that is calculated. Lilith hangs out in each zodiac constellation for around 9 months. The black moon point or the Lilith point is placed in the ecliptic path of the moon. Use your Lilith placement as an opportunity to conquer your deepest struggles and empower yourself in the future.what is my lilith sign and house. chuck rosenberg wife photos. what is my lilith sign and house. On 2 May, 2023; By ; fundal height chart by week ...Today, we're diving into her natal chart to uncover the reasons. Jada's 10th house has her Sun, Venus, Pluto, Lilith, and Uranus in it. The 10th house is like a stage, a platform for public life. Like Jada, what planets reside there can make or break your reputation.what house is my lilith in calculator Blog. travel and adventure show dc. what house is my lilith in calculator ...First, check them and get all the information you need. WebLilith in Taurus or the 2nd House. Calculate your Black Moon Lilith[1] here. Thanks to all authors for creating a page that has been read 12,046 times. WebCalculate my lilith - We'll provide some tips to help you choose the best Calculate my lilith for your needs.White Moon Selena Calculator. Unearth the purest essence of your soul with our White Moon Selena Sign calculator! Input your birth date, time, and location to uncover the Selena sign that mirrors your spiritual self and higher purpose. Dive deep into the untouched and sacred realm of your astrological identity. Your Birth Date.WebLook up your Black Moon Lilith by Sign If you are unsure of the sign of Black Moon Lilith in your chart, you can determine it by entering your data below in this Black Moon Lilith Calculator: Birth Date Exact Birth Time If birth time is unknown, check this box. You place a higher priority on long-term viability than on short-term gratification.Total monthly mortgage payment. P. Principal loan amount. r. Monthly interest rate: Lenders provide you an annual rate so you'll need to divide that figure by 12 (the number of months in a year ...Date of Birth. Time of Birth. Unknown (Use sunrise) Birth Location. Current Location. Your Free Birth Chart includes a colorful birthchart with complete interpretations of zodiac signs, planetary positions and aspects. This is the best free birth chart available online today!When Lilith is in the 1st house, it can manifest as extreme shyness, fear of rejection, and a strong desire to assert oneself. The 1st house is also known as the house of the Ascendant and represents a person’s physical appearance, attitude, and identity. When Lilith is in this house, a person may struggle with body image issues, guilt, and ...Black Moon Lilith. The Black Moon Lilith calculator will help you find out what zodiac sign your Black Moon Lilith is in. This point in astrology is less well-known. This is because it is not a particular planet, but it is a point in the sky based on the ecliptic of the moon’s revolution around the Earth.Our Juno sign calculator uses NASA data to calculate the position of your Juno sign when you were born. Simply enter your birth details above and we'll tell you the exact sign, house, and degrees of Juno in your birth chart. The sign it falls in can give you an indication of your future partner. You can use our chat Astrologer function to ask ...It says my Lilith is in Sagittarius but it just doesnt resonate like the travelling does but the other stuff just doesnt sit right at all. With Lilith here, youre truly a goddess of the earth. You can use this calculator from the AstroTwins, which calculates all of the various Lilith points.Great! If it's wrong, you can change it. Her position in this or that sign of the zodiac shows your weak point, helps to understand where a person is expected by provocations, temptations and trials. WebCalculate my lilith - Astrologers call Lilith the dark moon. Optional calculations: House System, Aspects, Orbs.How to use this calculator to find my sign? To find your North Node Sign, You are required to provide all common things, such as the day you were born, the date, and the year. Enter the day, date, month, and year of birth. The exact time of your birth including hour and minute. Enter which city you were born in. Name. Birth Date. Exact Birth Time.Note that in Love Formulas-2 by Nance McCullough, the author emphasizes that overlays of the Sun, Moon, or Ascendant to the second person's 7th house are very important in synastry. She feels that someone is most attracted to a person whose Sun, Moon, or Ascendant falls in their seventh house.Look up your Vertex sign. If you are unsure of the sign of your Vertex, you can determine it by entering your data below in this Vertex Sign Calculator: Birth Date. Exact Birth Time. Birth City. Please enter your birth city ONLY in the location field, and then scroll for the correct location. For example, if you were born in Dallas, Texas ...Lilith in Sagittarius is the placement of the armchair philosopher and the public academic. * Birth City Black Moon Lilith in Astrology Read about the sign of your Lilith here. With Lilith here, youre truly a goddess of the earth. Our Lilith placement is where we cut the bullsh*t so we can get to the heart of the matter. Interest: The cost of ...How to Calculate Lilith. Type your birth info into an online calculator. Pull up a free online calculator like Cafe Astrology and enter your full birth date, along with your exact birth time and birth location. In just a few seconds, you'll know which sign Black Moon Lilith fell under at the time of your birth.Having a job comes with costs: commuting, getting ready, de-compressing. Use this calculator to figure out your real hourly wage. Having a job comes with costs: commuting, getting ...With the price of water on the rise, it’s become increasingly important to know how much water you use to irrigate your yard as well as how much it costs. Check out our lawn irriga...Aug 5, 2021 · Your Lilith sign reveals your seductive powers and sensual nature. This may be a piece of personality that you’ve been afraid to express; or maybe a part of yourself that makes you feel exposed AND empowered at the same time. When unchecked, your Lilith sign can already reveal where you may be obsessive or destructive.The placement of Lilith in the 6th house synastry can signify a potent undercurrent of raw energy in the daily routines and responsibilities shared by a couple. This might manifest as a relentless drive to perfect oneself or an inexplicable tension in daily interactions. Within this house, Lilith's fierce demand for autonomy might clash with ...Technically Lilith is a mathematical point. wikiHow, Inc. is the copyright holder of this image under U.S. and international copyright laws. Find your Lilith sign by entering your birth information into an online calculator. Animate chart feature. Several websites can calculate this for you.Some people, like Juan Antonio Revilla, believe that True Lilith is the most important Lilith and most accurately portrays Liliths uncontrollable nature. Include your email address to get a message when this question is answered.The Black Moon Lilith Calculator uses complex mathematical algorithms to calculate the position of Black Moon Lilith based on an individual's birth date, time, and location. It takes into account the movement of the Moon and its relationship with the Earth and the Sun. Formula for calculating a mortgage payment. The mortgage payment calculation looks like this: M