In one sentence, describe what the following article is about: This is a popular, informal way of saying "bye," but its usage is primarily restricted to Austria and Bavaria. The greeting is not used oftenif everin Germany. Pronounce "Servus" as: zehr-foos Essentially, "Servus" is another way of saying "bye" rather than "goodbye." It's fairly polite, but it is considered informal, so it's best used in casual conversations. Note that this is not the only way of saying "goodbye" in Austria or Bavaria. You can still use "Tschus," "Auf Wiedersehen," and other German farewell greetings in either country. Like "Servus," "Ade" is another German farewell greeting restricted by geographic location. This one is heard most commonly in Baden-Wurttemberg, a German state located in the southwest. Pronounce "Ade" as: ah-dee This term is actually somewhat formal, so you should translate it as "goodbye" or "farewell" rather than "bye." You can use it in nearly any setting, but you'll hear it in professional settings and other formal venues more often than you'll hear it spoken casually. Additionally, you can still use "Auf Wiedersehen," "Tschus," and other German greetings in Baden-Wurttemberg. You're not restricted to "Ade" only. " This is the German equivalent of saying "good night" in English. Pronounce "Gute Nacht" as: goo-tuh nakht "Gute" means "good," and "Nacht" means "night." The other "good" phrases, like "Gute Morgen" (good morning) and "Gute Abend" (good evening), are usually used as greetings. Unlike these phrases, though, "Gute Nacht" is almost always used when parting ways at the end of the night or when saying "good night" before going to sleep. If you're saying farewell to someone you see on a regular basis, you can use this phrase to say "see you next time." Pronounce "Bis zum nachsten Mal" as: biis zuhm nii-stihn maahl" The work "nachsten" means "next," and "Mal" means "time." Essentially, this phrase means "until next time" or "see you next time." You can use this with anyone you see regularly. This can include coworkers, classmates, family members, or other regulars at an eating establishment you frequent. There are multiple ways to end the conversation when you're talking with someone on the phone, but "Wir sprechen uns bald" is one of the most common. It means "we'll speak soon." Pronounce "Wir sprechen uns bald" as: veer spray-heen oons baahld Another appropriate phrase would be "Wir sprechen uns spater," which means "we'll speak later." Pronounce this phrase as: veer spray-heen oons speetahr " This phrase means "have a good trip," so it's a great way to bid farewell to someone before that person leaves on any trip. Pronounce "Gute Reise" as: goo-tuh rai-suh The term "Gute" means "good," and "Reise" means "travel," "trip," or "journey." As such, the phrase translates directly as "good trip."
Summary: Exclaim "Servus" in Austria or Bavaria. Say "Ade" in Baden-Wurttemberg. End the night with "Gute Nacht. Use "Bis zum nachsten Mal" with someone you see often. End conversations with "Wir sprechen uns bald" or similar phrases. Say goodbye before a trip with "Gute Reise!

Some lenders will allow you to get a loan with less than a 20% down payment. Ordinarily, this would require you to make monthly PMI payments, at least until you pay down a good portion of the loan. However, if the lender offers the Lender-Paid Mortgage Insurance (LPMI) option, then the lender will include the amount of the insurance in the loan itself. This usually requires a slightly higher interest rate, but the overall cost over time winds up being less than paying PMI yourself. Just as lenders have different mortgage rates for "regular" loans, they also have different rates for LPMI loans. You will want to shop around online or by calling local lenders in your area to find who has the best lending rates for this option. Be sure to make it clear that you are asking about the LPMI option. You will need to compare the monthly payments under a regular loan, at a lower rate with PMI payments added, to the monthly payment of an LPMI loan, at a higher rate without PMI. To get these figures, you will need to use a loan calculator online, and check with lenders about their LPMI interest rates. Suppose someone wants to purchase a property worth $100,000, with an LTV of 90% (that means a $10,000 down payment). This would require monthly PMI payments of, in this example, $52. This buyer can find a 30-year mortgage at 3.75%, which results in monthly payments of $463.12 (loan payment) + $52 (PMI) = $515.12 (monthly payment). Alternatively, the same buyer finds that the lender will give a 30-year mortgage at 4.00% with the insurance rolled in. This results in monthly payments of $477.42 (loan) + $0 (no PMI) = $477.42. The LPMI monthly payment is lower in this instance (but it won't always be).
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One-sentence summary -- Research the option. Shop around for rates. Calculate the costs.

Q: Because potatoes that are exposed to sunlight will produce solanine, it's important to hill the potatoes. To do this, wait until the plants reach about 6 inches (15 cm), and then add an extra 2 inches (5 cm) of soil to the cage. Continue hilling the potatoes whenever the plants grow an additional 6 inches (15 cm). New potatoes are ones that are harvested before they're fully mature. New potatoes are ready for harvest after the plant stops flowering. Mature potatoes are ones that are left to fully develop, and they'll be ready to harvest after the foliage dies back and turns brown. For new potatoes, harvest after the last of the flowers die. For mature potatoes, wait an additional two to three weeks after the foliage dies before harvesting. When your potatoes are ready for harvest, lay a tarp on the ground beside the cage. Use scissors to cut the twine or zip ties holding the cage together. Gently push the cage over onto the tarp to spill the soil and potatoes. Dig through the soil to retrieve all the potatoes that have grown. When you've harvested the potatoes, brush off the wire mesh and store it somewhere dry. You can reuse the mesh to make another cage. To extend the shelf life of your potatoes, it's important to cure them, which means allowing the skins to toughen. Move the potatoes to a cool, dry, and ventilated location to cure for 10 to 14 days. New potatoes shouldn't be cured, as they should be eaten within a few days of the harvest. Brush the dirt from your cured potatoes with a cloth or soft brush. Fill paper or burlap bags with the cleaned potatoes, and transfer them to a dry, cool, and dark place, such as a root cellar, for long-term storage.
A: Hill the soil around the growing plants. Decide if you want new or mature potatoes. Take the cage apart to harvest the potatoes. Cure mature potatoes before storing. Store your extra potatoes.

Problem: Article: Select Microsoft Excel from the Start menu to open it. Once you've launched Excel, you can either choose to open an existing Excel file or create a new one. If you choose to create a new document to link to a PowerPoint presentation, you need to save it first as an Excel file before you can do any kind of linking. Launch Microsoft PowerPoint by selecting it on from the start menu. Once it launches, you can either open an existing PowerPoint presentation or create a new one by clicking the File button on the upper-left corner of the menu bar.
Summary:
Open the Excel file you wish to link with the PowerPoint presentation. Open the PowerPoint file you wish to have the Excel file linked to.