It may not always be possible to do this, but it is important to limit their exposure as much as possible. If you do not live in an area with laws banning smoking in restaurants, look for those that voluntarily ban smoking. Avoid theaters, entertainment venues, and anywhere that smokers are likely to feel comfortable lighting up. Be aware that even in places where smoking is banned indoors, many places still permit smoking on outdoor patios. Keep your children away from the tables of smokers or take them indoors. If you must be near the person smoking, kindly ask them if they could refrain while your children are present. Explain to the smoker that you only wish to protect your children's health. However, be aware that they may refuse. Be understanding of their choice, if they refuse to stop smoking. This might be hard, but do your best. Be prepared to remove your children from the smoking environment, if necessary. You may have friends and family who are not ready or are unwilling to quit. You should take the time to explain to them that you value their presence in your life and your children's lives, but that you cannot allow them to smoke around your children, and that your children will not be allowed to be around them while they are smoking. Help them understand how they are putting everyone around them at risk when they smoke, particularly children, who are still developing. Do your best to be firm, but also respectful. If your child wants to have a sleepover at a friend's house, but you know that the parents are smokers (especially if they smoke indoors), do not allow them to go. Suggest instead that your child's friend comes to your home for a sleepover.
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One-sentence summary -- Keep children away from public places where smoking is concentrated. Remove your children from areas where people are smoking. Forbid friends and family from spending time around your children while smoking. Avoid the homes of friends and family who are smokers.

If someone asks or tells you to do something, you have the choice to say yes, no, or maybe. You don't have to say yes, even if you feel like you do. When someone asks you something, take a moment and remember that how you respond is your choice. For example, if someone asks you to stay late on a project, tell yourself, "I have the choice to say yes and stay or to go home and say no." " If you tend to always say "yes" to things even when you don't want to or when situations cause you stress, start saying "no." It might take some practice, but let people know when you can't do what they want. There's no need to make excuses or talk your way out of it. A simple "no" or "no thank you" will do. Start small by finding something small to say "no" to and say it firmly. For example, if your partner asks you to walk the dog yet you are exhausted, say, "No. I'd like you to walk the dog tonight, please." You can also do some role play with a friend to get used to saying "no." Have your friend ask you to do things, and then respond "no" to each of their requests. Make sure to pay attention to how you feel each time you say "no." If a flat "no" seems harsh to you, be assertive while also being empathetic. Show your understanding for the person and their needs, yet also be firm in saying that you cannot help them. For example, say, "I know how much you want a nice birthday cake for the party and how much that means to you. I'd love to provide one, but I'm unable to do that at the moment."
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One-sentence summary -- Recognize that you have choices. Learn how to say "no. Be assertive and empathetic.

In order to calculate interest paid on a mortgage loan, we will calculate the monthly payment and then use the simple method from method 1 above to calculate interest. The monthly payment equation can be represented as follows: M=Pr(1+r)n(1+r)n1{\displaystyle M=P{
rac {r(1+r)^{n}}{(1+r)^{n}-1}}}. These variables represent the following inputs: M is your monthly payment. P is your principal. r is your monthly interest rate, calculated by dividing your annual interest rate by 12. n is your number of payments (the number of months you will be paying the loan) You will need to input your principal, monthly interest rate, and number of payments in order to find your monthly payment. This information can be easily found in your loan agreement or from a quoted loan estimate. Check the information again to be sure of its accuracy before using it in calculations. For example, imagine you have a $100,000 mortgage loan with 6 percent annual interest over 15 years. Your input for "P" would be $100,000. For "r," you would use your monthly interest rate, which would be 0.06 (6 percent) divided by 12, or 0.005 (0.5 percent). For "n" you would use your total number of payments, one for each month in fifteen years, which would be 12*15, or 180. In this example, your complete equation would look like this:M=$100,0000.005(1+0.005)180(1+0.005)1801{\displaystyle M=\$100,000{
rac {0.005(1+0.005)^{180}}{(1+0.005)^{180}-1}}} " Simplify your terms by doing the first step in the order of operations, which is adding the 1 and "r" inside the parentheses on the top and bottom of the equation. This is a simple step that will make your equation look much less complicated. After this step, your sample equation would look like this:M=$100,0000.005(1.005)180(1.005)1801{\displaystyle M=\$100,000{
rac {0.005(1.005)^{180}}{(1.005)^{180}-1}}} The result of the previous step must now be raised to the power of "n." Keep in mind that only the figures inside the parentheses will be raised to this power, not the "r" outside of it or the -1 at the end. After this step the sample equation would look like this:M=$100,0000.005(2.454)2.4541{\displaystyle M=\$100,000{
rac {0.005(2.454)}{2.454-1}}} Here, you should multiple "r" times the result of the last step on the top (the numerator) and subtract 1 from your result on the bottom (the denominator). The same equation would look like this after this step:M=$100,0000.012271.454{\displaystyle M=\$100,000{
rac {0.01227}{1.454}}} In the example, your equation would now be:M=$100,000(0.008439){\displaystyle M=\$100,000*(0.008439)} This will give you your monthly loan payment. In the example, this would be ($100,000)*(0.008439), or $843.90. This represents your monthly payments. With this information, you can now calculate total interest paid and interest paid each month. Both will allow you to compare different amounts of interest you might pay with different loans and see which one is right for you. Find monthly interest paid by dividing "P" by "n" and subtracting this number for your monthly payments, "M." Find total interest paid by multiplying your monthly payment "M" by "n" and then subtracting "P."
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One-sentence summary --
Understand the equation. Input your information into the equation. Simplify your equation by adding 1 to the "r. Solve the exponents. Simplify again. Divide the numerator by the denominator. Multiply "P" by this result. Calculate interest paid using the payment information.