Q: 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.
A: Contemplate an installment loan without interest. Think about an installment loan with interest. Consider a lump-sum payment. Think about interest only payments.

Q: Is your child very active? Does he participate in many sports or group activities that can be impeded by glasses? Is he worried about breaking her glasses when she is active? 36% of optometrists say that parents request contacts for their children so they can more fully participate in sports. Contacts can also help improve your child's peripheral vision when he participates in sports. Do glasses negatively impact your child's self-esteem? Does she have poor self-image because she believes her glasses make her look weird or different? Recent studies have indicated that wearing contact lenses can significantly improve a child's self-esteem and her comfort in participating in group activities. Is your child good at following instructions and carrying out daily chores? Does he make his bed and keep his personal space tidy on a regular basis? If he is responsible and mature, then he will be a good candidate to take care of his contact lenses. Doctors will most often prescribe contact lenses for children between the ages of 1012. These are often prescribed in conjunction with a pair of prescription glasses; at this age, contacts often serve as a secondary form of vision correction. Approximately 12% of doctors will prescribe contacts for children between the ages of eight and nine and a further 12% will prescribe contact lenses for children younger than eight years old. For children, doctors will often prescribe daily disposable contact lenses to minimize the risk of unhygienic storage and handling. Daily disposable lenses typically cost $100 more than longer wear lenses. In rare cases, optometrists will prescribe contacts for infants suffering from congenital cataracts. If your child suffers from seasonal allergies, then she might not be the best candidate for contacts as the lenses may cause additional irritation in the eyes.
A: Consider your child's lifestyle. Evaluate your child's self-esteem. Consider your child's habits. Discuss getting contacts for your child with your optometrist.

Q: After letting the glue cool for a few minutes, place the yo-yo on its side over a piece of paper with a cool design. You could use construction paper, a magazine, a drawing, or an image printed off of the internet. Trace the side of the yo-yo (the bottle caps' circumference) onto the paper, then cut out the circle you've traced. Repeat the steps to trace and cut out another circle. You'll use the 2 circles to decorate the sides of the yo-yo.
A: Trace the side of the yo-yo onto colorful paper to make cutouts.

Q: " All add-ons will open and display in a new window. To hide a toolbar associated directly with IE and not a third-party service, go to "Tools" and point to "Toolbars" instead, then select the toolbar you want hidden. " Going forward, the toolbar you disabled will be hidden in future sessions of IE.
A:
Click on "Tools" at the top of your current IE session. Click on "Manage Add-ons. Click on "Toolbars and Extensions" in the left pane of the Manage Add-ons window. Select "All add-ons" in the "Show" dropdown menu displayed in the left pane. Click on the name of the toolbar you want hidden in IE, then click on "Disable. Click on "Disable" again when the pop-up asks you to confirm whether you want the add-on disabled. Close the "Manage Add-ons" window.