Problem: Write an article based on this summary: Gather an essential oil, water, alcohol, and a spray bottle. Add 1.5floz (44mL) of water and 1.5floz (44mL) of alcohol to your bottle. Add 30 to 40 drops of your essential oil to the bottle. Spray your essential oil around your home.

Answer: You can make your own aromatherapy spritz using the essential oil(s) of your choice, water, alcohol (such as vodka), and a spray bottle. If you like, you can mix together different essential oils to find interesting combinations that you enjoy. For energizing effects, try to stick to essential oils such as eucalyptus, grapefruit, thyme, linalol, lemon, tea tree, clove, basil, or ginger. Try to use a dark-colored, glass spray bottle, which will keep the essential oil for longer. Don't use a spray bottle that previously contained cleaning products or hair styling products. First, measure out the water and pour it into the bottle. Next, measure and add a clear alcohol, such as vodka. Adding alcohol can help the scent linger longer once it has been sprayed. Don't use isopropyl alcohol because it may affect the scent. If you can't or don't want to use alcohol, just add 3floz (89mL) of water to the spray bottle instead of 1.5floz (44mL). Since the strength of different oils and different brands of oil can vary, start out by just adding around 20 drops of oil. Place the lid on the bottle, give it a good shake, and smell the mixture. If it doesn't smell strong enough to you, add 10 more drops. Repeat this process until you get the desired scent. Don't overfill the bottle! You will want a bit of space to be left in the bottle so that you can easily shake the mixture before each use. It is also recommended that you let the concoction sit for about a day before deciding that it is too weak. One suggested recipe is 18 drops of grapefruit with another 12 drops of ginger. You can spray the concoction in every room of your house and when you feel that you need a little pick me up. Remember to shake the bottle vigorously before spraying! When the mixture is left to sit, the oil will eventually float to the top. This is why it is important to shake before each use.

Problem: Write an article based on this summary: Contemplate an installment loan without interest. Think about an installment loan with interest. Consider a lump-sum payment. Think about interest only payments.

Answer: If you choose to offer this type of loan, the borrower will pay off the loan in equal payments over a specified period of time. With this type of loan, you will include a payment provision in your promissory note that looks like this: "In return for a loan Borrower has received from Lender, Borrower promises to pay to Lender the amount of $[total loan amount - principal]. Borrower will make equal installments of $[monthly payment amount] per month until the principal is paid in full. Payments will be due on the [date of monthly payments] day of each month, beginning on [date first monthly payment due]." This type of payment plan is good for loaning small amounts of money to people you are close with. If you are making a loan of more than $10,000 with no interest, the Internal Revenue Service (IRS) may require you to pay taxes in an amount that reflects interest, even if you received none. With this type of loan, the borrower pays off the loan in equal payments over a specified period of time, with part of the payment going towards interest and part of the payment going towards principal. If you choose this type of loan, consider a payment provision that looks like this: "In return for a loan Borrower has received from Lender, Borrower promises to pay to Lender the amount of $[loan amount - principal], plus interest on unpaid principal at the rate of [interest rate]% per year from the date this note is signed until it is paid in full. Borrower will pay back the loan in monthly amortized installments, which include principal and interest, of not less than $[minimum payment] until the principal and interest are paid in full." This type of payment option is great for loaning larger sums of money. If you are loaning more than $10,000 to someone, include interest so you avoid the potential adverse tax consequences that may otherwise arise. Here, the borrower will pay you the money borrowed, plus interest, in one single payment. If you are creating a lump-sum payment provision with interest, use this language: "In return for a loan Borrower has received from Lender, Borrower promises to pay to Lender the amount of $[loan amount - principal], plus interest on unpaid principal at the rate of [interest rate]% per year from the date this note is signed until it is paid in full. Borrower will repay the entire amount owed by [due date]." If you are creating a lump-sum payment provision without interest, use this language: "In return for a loan Borrower has received from Lender, Borrower promises to pay to Lender the amount of $[loan amount] by [date payment is due]." A lump sum payment provision can be used when you want to reduce the potential interest charges incurred by the other party. This is the case because, with a lump sum payment, the party paying back your loan can pay off the loan quicker, therefore avoiding interest payments over an extended period of time. With interest only payments, the borrower will make payments of interest only, and will then pay off the principal in one lump sum. If you use this type of loan, use the following provision: "In return for a loan Borrower has received from Lender, Borrower promises to pay to Lender the amount of $[loan amount - principal], plus interest on unpaid principal at the rate of [interest rate]% per year from the date this note is signed until it is paid in full. Borrower will pay interest of $[amount of interest] on the [date of payments], beginning [date first payment due]. Borrower will pay the principal in full on or before [date by which loan must be repaid], together with any accrued interest." Interest only loan payments are great for those that want low payments during the early life of the loan. This is the case because when you are only making interest payments, they will be lower than a payment that included both interest and principal. However, you may not want to use this type of payment plan if the other party is concerned about the large principal payment that will be due later in the life of the loan.

Problem: Write an article based on this summary: Read reviews written by automobile professionals and minivan owners before you buy. Ask friends and family members who own minivans about their vehicles. Test drive the minivan before you buy one. Try using the manufacturer's "Car Configurator" if you are looking to buy a new minivan.

Answer:
These should provide the pros and cons of the models that interest you. Reviews can be found on websites and in magazines. Get an idea of their likes and dislikes before buying a minivan, as they may point out the factors that you never considered. For example, the vehicle might not handle very well uphill, or it might not feel as spacious as it looks. Listen for any odd sounds during the drive, and pay attention to how it handles turns and rough terrain.