On the Celsius scale, the freezing and boiling points of water are precisly 100 degrees apart, thus the unit of Fahrenheit scale, is 5/9 of a degree Celsius. Negative 40 degrees Fahrenheit (-40 F) is equal to negative 40 degrees Celsius (-40 C).
What are SEPA Transfers? SEPA (or the Single Euro Payments Area) is the new format for cross-border Euro bank transfers. SEPA aims to make cross-border Euro transfers within this area equivalent to a domestic transfer within your own country. SEPA is made up of the Eurozone, countries within the EU and a few other countries which also support Euro bank transfers. The full list can be found here.
A Simplified Employee Pension Individual Retirement Arrangement (SEP IRA) is a variation of the Individual Retirement Account used in the United States. SEP IRAs are adopted by business owners to provide retirement benefits for themselves and their employees. There are no significant administration costs for self-employed person with no employees. If the self-employed person does have employees, all employees must receive the same benefits under a SEP plan.