Problem: Write an article based on this summary: Create a monthly budget Find the best credit card offers. Know when to seek a personal loan instead. Avoid payday loans. Be wary of cash advances. Pay more than the minimum.

Answer: . Before you even try to start developing credit, you need to have a budget in mind. If you don't, your credit could quickly get out of hand. So make a list of your monthly income and all your monthly expenses, and be sure that they even out. Better yet, end each month with an income surplus. Do sufficient research before you sign up for a credit card. Remember to ask for a list of terms and conditions before signing up. In particular, look at the following: The Annual Percentage Rate. This is the interest rate you will pay annually on your balances. With most credit cards, you can avoid paying interest if you pay your balance in full each month. Penalty APR. If you're late with payments, a credit card company will typically increase your APR. You should find out the rate. APR for balance transfers. You can transfer debts from one credit card to another. Check whether the credit card offers a promotion 0% APR. Fees. Credit cards assess many fees for cash advances, balance transfers, and late payments. Often, personal loans are a better option than credit cards. With a personal loan, you generally will pay a lower interest rate. You also can make equal payments on a personal loan over time. With a credit card, you pay a lot upfront, which slowly decreases each month until the balance is paid off. You should choose a personal loan over a credit card for longer-term financing that you can't pay off immediately. However, you should only get a "secured" loan in a few circumstances. When you secure a loan, you pledge other property as collateral. This means that your lender can seize the property if you default. Car loans are typically secured by the car itself, and home mortgages are secured by the home. These are the only two secured loans most people ever need. Payday loans are short-term loans given without a credit check. Unfortunately, payday loans charge sky high interest rates, often around 400% or more. Many payday lenders also require access to your bank account so they can withdraw the money if you don't repay on time. You should avoid payday loans at all costs. Instead, consider the following alternatives: Personal loans. You can often get these loans at a reasonable interest rate. Loans from friends or family. You might be embarrassed to tell people you know that you need money, but the embarrassment is preferable to a payday loan. Pay advance from your boss. Your employer might be willing to advance you a small sum of money. You might take money from an ATM when you need cash. Look elsewhere instead. Although not as bad as payday loans, cash advances charge very high interest rates which can put you deeper into debt. For example, you accrue interest immediately with a cash advance. By contrast, your credit card company usually gives you a grace period on purchase. Not so with cash advances. By paying only the minimum, it could take years to pay off a credit card balance. You should pay more than the minimum each month to reduce the amount of interest you pay. Your credit card statement should tell you how long it will take to pay off your debt if you only pay the minimum. It should also calculate how much of your repayment will be interest. Generally, if you pay double the minimum, you can cut your payments in half and lower the amount that goes to interest.

Problem: Write an article based on this summary: Gather your cloth.

Answer: A traditional eyepatch is made out of black cloth. You can use the cloth of your choice. A popular material is canvas, but this isn't the most comfortable. You could instead use a fabric that is soft like cotton, if you plan to wear the patch for an extended time period. You can also gather scrap cardboard if you choose to use it.

Problem: Write an article based on this summary: Brown the ground beef. Add the onion and peppers to saute. Stir in the taco seasoning.

Answer: Place 2 pounds (approximately 907 g) of ground beef in a large skillet on the stove, and brown it on medium-high heat. Use a wooden spoon to break up the meat into pieces that are equal in size so they'll cook evenly. Cook for approximately 10 to 15 minutes to ensure that all of the meat is brown, with no traces of pink. Make sure that your skillet is large enough to hold 2 pounds of meat. If the ground beef is crowded in the pan, it may not cook evenly. You can substitute ground turkey for the beef if you prefer. Once the beef is browned, mix in 2 cups (approximately 473 g) of diced onion, 1 cup (approximately 237 g) of diced green bell pepper, and 1 cup (approximately 237 g) of diced red bell pepper. Keep the skillet on medium-high heat, and saute the mixture for 3 to 5 minutes or until the onion and peppers become tender. Stir the mixture with a wooden spoon periodically to ensure that the vegetables cook evenly and don't stick to the pan. When the beef, onion, and pepper mixture has sauted for several minutes, mix a packet (approximately 1 oz. or approximately 35 g) of taco seasoning into the skillet. Make sure to stir the contents well so the seasoning is fully incorporated into the beef mixture. If you prefer to use homemade taco seasoning, spoon in approximately 2-3 tablespoons (30-35 g), depending on how spicy you want your soup, in place of the packet.

Problem: Write an article based on this summary: Craft your letter with a personal touch. Show your knowledge of the celebrity you're writing to. Prepare your letter to be sent.

Answer:
When writing letters to celebrities, you have to make sure that your letter stands out and shows them that it is worth replying to. Skip the formality of typing your letters and sit down to handwrite one instead. Flesh your letter out by sharing ways you appreciate the celebrity and how their career influences you personally. Choose two or three different moments in their career that you admire and make sure you're genuine in your praise and enthusiasm. Format your letter, starting it off with: Dear [Person's Full Name]. Structure your letter into three paragraphs. In the first paragraph, you will compliment their talent and achievements. Celebrities can tell when you're being insincere so make sure it's a celebrity whose career you follow and admire so that you have a lot to talk about. In the second paragraph, you will list your favorite work of theirs or something that really strikes you about their career. Showing them how much you know about their films and that you've followed the characters they've played will speak volumes of how much of a fan you are. In the third, you will request to be sent an autograph or to have an item autographed. Tell them how appreciative you would be if they were to give you your autograph and make sure you thank them. Give them best wishes and close with your signature. Place your signed letter into a 9x12 envelope so that the celebrity can send an 8x10 signed photo if they choose to do so. Also include a self-addressed 9x12 envelope in the packaging with your letter. Take things a step further by making things even more convenient for the celeb in question. Include the photo or item you want them to sign in the package. If you are looking to collect autographs, include another item (a photo, a paper, a book, a card) in your package for the celebrity to sign. This will make authenticating the signature easier because you will have a reference to compare the signature to.