Q: Keep a pack of makeup remover cloths and a compact mirror with you throughout your day. If you notice your eyeliner shifting, fold a makeup cloth in a triangle shape and use an edge to wipe off excess makeup. Use gently and sparingly to avoid cleaning off too much makeup. Be mindful of your makeup and try not to rub or touch the area around your eyes too much. You may be doing it unconsciously, but if you make a point of trying to remember then it should become second nature to you to avoid touching your eye area. Hot and sticky weather can melt your makeup and make it run. If you can avoid it, try not to spend excessive time in the heat. If you are spending time outside on a sunny day, wear sunglasses. This can shield your eye area from the sun and also prevents your eyes from watering as you squint. Many eyeliners are not waterproof. A rainstorm, a swim session or a shower can all cause your makeup to run. Do your best to avoid getting your face wet after you put your makeup on. Also avoid excessive sweating, as this can have a similar effect of shifting your eye makeup.
A: Use makeup remover throughout the day. Avoid rubbing your eyes. Avoid the heat. Avoid getting your face wet.

Q: Head down to your local home improvement center and shop for boards to replace the worn-out soffit and fascia. It's important that the new boards match the old ones in terms of width and thicknessyou can cut them to the right length later. It may help to bring along a small section of the old materials for reference. In addition to wood, you also have the option of choosing a material like cellular PVC, fiber cement, aluminum, or galvanized steel for your new eaves. These materials will be stronger, longer-lasting, and more weather-resistant than ordinary boards. Make sure you also pick up enough pressure-treated lumber to cut new shingle molds and rafters, if necessary. If your supports are in need of replacing, saw the new beam to match the old one. Remember to use only pressure-treated lumber for the rafters. It will hold up much better to moisture and stress. Clamp the replacement beam to the wooden backboard at the rear of the eave enclosure to hold it in place. Fasten the rafter with 4" (10 cm) wood screws. When you've successfully replaced one rafter, it will be safe to begin removing the next one. Since the rafters are a critical part of the eaves' support structure, it will be necessary to make sure they're in good condition before you begin installing the new components for your eaves. Press on the newly-installed beam to double check that it's solid and secure before moving on. Using a section of the rotted soffit as a template, saw the replacement material to the right size. This can be done with a handsaw, though you'll get the most precise and efficient results with a circular saw or table saw. Ideally, the soffit should be made up of only 1 or 2 boards to minimize leaking. If you don't have enough intact soffit to serve as a template, measure the underside of the eaves from one side of the house to the other and mark the dimensions on the new board. The fewer pieces you use to fashion the soffit, the less chance there will be of water, insects, and other destructive forces finding their way in. Trim the fascia boards to the correct length the same way you did the soffit. Be sure to cut the edges where the boards will meet to opposing 45 degree angles so they'll fit together properly. If your home's eaves feature any unique angles or projections, it may be necessary to measure and mark these features on the fascia board prior to sawing to confirm that everything will line up the way it's supposed to. Some materials, like aluminum or steel, may need to be measured and cut in-store by a home improvement specialist before you bring them home.
A: Gather your materials for the new eaves. Cut new lumber for the rafters if needed. Install the new rafters. Cut the new soffit. Cut the replacement fascia.

Q: If you're using a credit card or taking out a mortgage on a home, you may need to use more money than you currently have. If you're given credit, the lenders who give you that credit expect you to pay the premium back, in addition to a finance charge for the luxury of being given money. This finance charge is called APR. The following graph should help you compare different APRs. Use this information as a guidepost when shopping for a mortgage. However, you should always use an online APR calculator to check your exact APR before signing on a loan. The directions to do so follow this graph. Note how,in most cases, the APR is almost identical to the interest rate, but changes depending on the amount of finance charges. This difference is why you must compare APR when shopping for a loan. APR For Different Loans and How it Affects Total Cost Total Loan Interest Finance Charges APR Total Amount Paid $100,000 3.50% $1,000 3.5804% $163,272.65 $100,000 3.75% $1,500 3.8720% $169,222.44 $100,000 4.00% $5,000 4.4089% $180,462.98 $100,000 5.00% $10,000 5.8612% $212,581.36 APR is the annual rate you pay on credit or loans. For example, if you take a $1,000 loan, and your APR is 10%, at the end of the year you'll owe $100 (10%) of your $1,000 premium. If you want to know the monthly periodic rate, just divide your APR by twelve, 10%12=.83%{\displaystyle {
rac {10\%}{12}}=.83\%}, to find out what your APR is for every month. You can also divide it by 365 to find you daily APR. Different banks will calculate APR over different times, and this affects how much they charge you. Note how a yearly APR is higher than monthly or daily, but is ultimately cheaper: Monthly, Yearly, and Daily APR and the Effect on Total Cost for a $100,000 Loan Compound Type Interest Finance Charges APR Total Amount Paid Yearly 4.00% $5,000 8.1021% $110,412.17 Monthly 4.00% $5,000 7.8888% $110,512.24 Daily 4.00% $5,000 7.8704% $110,521.28 APR comes in three flavors. There's fixed, variable, and tiered. This simply means that the interest rate you pay can be changed depending on your current debts or the bank's whims. As such, fixed are usually the safest bets, since you will always know what you're paying. Fixed APRs remain constant for the life of the loan or the credit card. Variable APRs can fluctuate daily, leaving the debtor in the dark about how much interest she's paying. Be very careful with variable APR. Tiered APRs depend on what tier the debt falls into, raising and lowering depending on your current debt. For example, your APR might be 4% for debts below $1,000, but raise to 7% if you cross $1,000. That's not an insignificant sum, especially if you're unable to pay off the principal quickly. Average fixed rates hover slightly below 14%, while average variable rates hover slightly above 14%. If you spend $500 on your credit card but pay off the entire balance by the due date, APR is not calculated on your money. To avoid paying interest and to better your overall FICO credit score, make monthly payments on time and in full.
A:
Understand that it costs money to borrow money. Compare different APRs based on the total loan, interest, and finance charges. Know that APR can be broken down into monthly or daily interest payments. Know the three types of APR. Understand that the average APR is about 14%. Know that you will not be charged APR if you pay off your monthly credit card balance in full.