In one sentence, describe what the following article is about: Core-formed concrete, precast concrete panels, and ICF, or Insulated Concrete Form wall construction is essentially more waterproof than most other construction methods to begin with, meaning that it rarely needs additional waterproofing attention. That being said, the exterior walls of pre-fabbed concrete are often coated more for appearance than for weatherproofing. If you think your structure may need waterproofing, get a general contractor you trust to give you advice. He or she may suggest applying a liquid membrane and not much else, or suggest filling up any cracks or joints, instead of staging an elaborate waterproofing production. If you do decide to go ahead with waterproofing, nearly any technique you use will require your concrete walls to be in good standing. This means: Caulking to fill any expansion joints or larger cracks up to 14 inch (0.6cm), with a good quality polyurethane caulking. Concrete patching to fill any joints larger than 14 inch (0.6cm), making sure the concrete patch is completely dried before proceeding. Grinding to smooth out any rough, uneven concrete so that your waterproofing membrane or slurry has an even surface to adhere to. With a stiff brush, some TSP (trisodium phosphate) and some water, wash away any loose material, oil, or dirt still clinging to the concrete. Most membranes like a clean surface to adhere to. Let dry before proceeding.
Summary: Determine if your concrete house needs waterproofing. Prepare the walls for the coating you have selected. Thoroughly clean the surface of your concrete before waterproofing.

In the middle years of childhood, kids lie to protect themselves (or a friend or sibling) from getting into trouble or to prevent you from being angry or disappointed. Kids want everyone to be calm and happy (including themselves), and, if lying suits this purpose, then they'll do it. One of the worst things you can do as a parent is label a child by an offensive behavior. It is the behavior (i.e. lying) that you do not like, but labeling can make it seem as if the child is the problem. Even if you have noticed a consistent pattern of lying in your child, avoid saying the "L" word. Instead, exercise the belief that your child can be honest. Kids should know that you have confidence in their truth-telling abilities, and that you see them as brave or courageous when they are honest - even when telling the truth is scary or hard. Sometimes, adults make the error of putting children into tight situations in which they are tempted to lie. For example, you walk into the living room and see a huge mess on the floor. You have three children. Asking "who made this mess?" in an upsetting tone only pushes each of your children to either lie about not having done it or blame it on someone else. Recognize that being honest requires a great deal of courage, especially when the consequence of telling the truth is facing a red-faced, angry adult who is capable of inflicting punishment. Rather than putting your kids in a corner, simply verbalize your expectations. Say, "the living room isn't a storage space for toys, book bags, or clothes. I need it to be tidy in 20 minutes." If the child sees you lying, they might lie more often. This is not to say that if your child lies, it's your fault. However, parents must understand the old saying that what you do in moderation, your child does in excess. If your child has witnessed you telling little "white lies" or lying to get out of something, then they will see this behavior as acceptable - even if you warn them against it. In order to prevent this, portray honesty in your everyday actions as much as possible. Of course, there are some circumstances in which lying is done to protect someone else's feelings. Younger children usually cannot discriminate between these situations. So, as a rule of thumb, be truthful in your interactions with your children and others. Unlike younger children, kids over 5 typically know when they are lying, which means they know the difference between right and wrong. If they tell a lie to get themselves or someone else out of trouble, then they are already aware of their wrongdoing. Therefore, lecturing to them or going on and on about what they've done is not necessary. What is necessary is helping them to overcome the temptation to be disobedient. Boundary-setting can help alleviate this problem. You can't realistically remove all opportunities for children to misbehave. However, you can minimize these opportunities by setting boundaries in your household and beyond. Look for ways to remove temptations to be disobedient and boost their chances of doing the right thing. For example, getting upset because your 7-year-old ate an entire bag of candy could have been prevented if the candy was not accessible in the first place. It is a fact that most children like candy. Leaving it in plain sight challenges your child's self-control. To overcome this issue, remove the temptation by putting candy away out of your child's reach. Increase the likelihood of your child making good choices by making healthy snacks more accessible. Frequent childhood lying can sometimes be a sign of an underlying condition or mental illness. If it seems like your child is lying for no clear reason, constantly testing adult limits, or lying without remorse, you may need to see a child psychologist. Frequent lying can be a sign of treatable conditions like: Abuse victimization or trauma ADHD Anxiety Conduct disorder Oppositional Defiant Disorder Personality disorders (in rare cases) Problems with self-esteem
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One-sentence summary -- Examine the rationale behind lying at this age. Refrain from labeling your child as a "liar". Don't walk your child into a lie. Model honesty. Set better boundaries. Take action if lying could be a sign of a bigger issue.

Problem: Article: To find a company's dividend payout ratio, first find its net income for the time period you're analyzing (one year is the typical period for dividend payout ratio calculation). This information can be found in a company's income statement. To be clear, you're looking for the company's income after all expenses, including taxes, costs of doing business, depreciation, amortization, and interest. For example, let's say that Jim's Light Bulbs, a new company, earned $200,000 in its first year of business, but it had to spend $50,000 on the expenses mentioned above. In this case, the net income for Jim's Light Bulbs would be 200,000 - 50,000 = $150,000. Find the amount of money that the company paid out in the form of dividends during the time period you're analyzing. Dividends are payments that are given to the company's investors instead of being saved or re-invested in the company. Dividends aren't usually listed on the income statement but are included on the balance sheet and statement of cash flows. Let's say that Jim's Light Bulbs, being a relatively young company, decided to re-invest most of its net income by expanding its production capacity and only paid out $3,750 per quarter in dividends. In this case, we'll use 4 times 3,750 = $15,000 as our amount of dividends paid in the first year of business. Once you know how much a company has made in net income and paid out in dividends in a given time period, finding its dividend payout ratio is simple. Divide its dividend payments by its net income. The value you get is its dividend payout ratio. For Jim's Light Bulbs, we can find the dividend payout ratio by dividing 15,000 by 150,000, which is 0.10 (or 10%). This means that Jim's Light Bulbs paid out 10% of its earnings to its investors and invested the rest (90%) back into the company.
Summary:
Determine the net income of the company. Determine the amount of dividends paid out. Divide the dividends by the net Income.