In one sentence, describe what the following article is about: The first step towards financial freedom is determining where you stand now. You'll have to take stock of your finances and assets to get a sense of where you need to go from here to have more financial security. Figure out your net worth, which is essentially an honest assessment of your current wealth. Tally up everything you own and its value. This includes obvious things, like your house and your car, but think outside the box as well. Do you have any valuable collectables? Do you own any property? Once you've tallied up your assets, add your annual income, as well as any additional money you make each year through side work or investments. List all your debts. This can include credit card debt, your mortgage, and any loans. Subtract your debts from the first number. The number you have now represents your net worth. You'll want to figure out how much you're spending each month and how much income you have each month. This will give you a sense of where you could cut back on expenses. If you're vigilant about tracking expenses, you'll be surprised at how much money you spend extraneously. Keep a small journal for a month and write down where you're spending your money or use an app like Mint to help track your expenses. Keep track of any bills you pay, monthly rent or mortgage, insurance payments, and so on. You'll also want to record your income. Record the amount, frequency, and timing of all sources of income. You should also add any extra expenses. Do you subscribe to any magazines or online services? Add that to your list. On a day-to-day basis, write down how much money you spend on things like shopping, eating out, recreational activities, and so on. You may be shocked when you tally your expenses by category at the end of the month. You may be spending a lot more money on things like eating out and going out for drinks than you anticipated. You'll want to set some financial goals for yourself. You need to have a clear-cut plan for the future if you want to become financially independent. Try to think ahead. Where do you want to be in 10 years? 15 years? How can you go about investing and saving your money to make sure you can achieve these goals? Keep realistic goals. For example, you can strive to have a job that pays well and has benefits. You can also strive to maintain your current standard of living into retirement. Write down a series of goals, ranked in terms of important. Include both short term goals ("I want to cut down monthly spending by $300 this month) and long term goals ("I want to start a retirement fund so I can retire comfortably in the next 20 years."). When it comes to saving, you should start right now. A good goal is to set aside 10 to 15% of what you earn each month in savings. Getting into the habit of saving money can really help your longterm financial prospects. You can do this either on a weekly or monthly basis. If you have online banking, you can put away a certain amount of each paycheck in savings. You can also talk to your bank about automatic transfers and have 10 to 15% of each paycheck automatically transferred to your savings account each month. Automatic withdrawals are a good idea. Many people struggle to set aside money and feel tempted to spend everything they have.
Summary: Figure out your finances at the moment. Understand your cash flow. Set a series of financial goals. Aim to save 10 to 15% of what you earn.

Go to https://www.bing.com/images/. This process will work on Safari, Google Chrome, and Firefox, though other browsers may not be supported. Type in the name of an item for which you want to find clip art, then press Return. This will search Bing images for matching images. This funnel-shaped icon is on the far-right side of the Bing page, just above the image results. Clicking it prompts a series of tabs to appear below the search bar and above the top row of images. It's a tab below the search bar. A drop-down menu will appear. This option is near the middle of the drop-down menu. Doing so will refresh your image search to display only clip art. Click an image that you would like to insert into your Word document. Hold down Ctrl and click the image, then click Save Image. The image will download to your Mac. Double-click the Microsoft Word document to which you want to add clip art in order to open it. You can also create a new document by double-clicking the Microsoft Word program icon and then clicking Blank Document. It's in the blue ribbon near the top of the Word window. Doing so displays the Insert toolbar below the blue ribbon. Don't click the Insert menu item at the top of your Mac's screen. You'll find this option on the left side of the toolbar. Clicking it prompts a drop-down menu. It's the bottom option in the drop-down menu. Click the picture you downloaded from Bing images. This will select it. You may have to select the picture's download location (e.g., Downloads) on the left-hand side of the Finder window first. It's at the bottom of the window. This will insert your clip art into your Word document.
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One-sentence summary -- Go to Bing's image search. Enter a search term. Click Filter. Click Type . Click Clipart. Select an image. Save the image. Open your Word document. Click the Insert tab. Click Pictures. Click Picture from File. Select your picture. Click Insert.

Problem: Article: There are family cord blood banks in countries throughout the world. You can ask your doctor or hospital to direct you to a private bank with a good reputation, or you can look on a directory of private blood banks and do your own research on those you find. The Parent's Guide to Cord Blood Foundation has a worldwide directory of family cord blood banks, which you can browse for free. Note that cost is not necessarily an indication of quality. Some less expensive blood banks might be cutting corners in potentially unsafe manners, but others might have lower costs simply because they spend less on marketing. Reputation is usually a better indication than anything else. You should also check on the qualifications and experience of those running the blood bank, as well as the company's viability, stability, and storage technology. Shop around. If one blood bank can't offer you a discount, call another. It may take awhile to find the best rates for your financial situation. Once you find a private blood bank you want to work with, you should contact them and make arrangements. You should also make sure that your doctor and hospital are aware of these arrangements at least one month before your baby is born, if not sooner. The company you've chosen to bank with should send you a collection kit. You must give this kit to the hospital or birthing center at the time of delivery. Even though the hospital will not receive the kit until delivery, you should still make them aware of your intentions beforehand. Make sure that cord blood is collected after delivery. Doctors and nurses should collect the blood from your baby's umbilical cord within a few minutes after the birth of your child. Each private blood bank has its own procedures, but when your family needs the cord blood stored at the bank, you should be able to notify the bank and have the blood delivered to your hospital for a transfusion. You may need medical authorization from a doctor to show the blood is presently needed. The cord blood will be tested to see whether or not it's a match for the patient.
Summary:
Find a good family cord blood bank. Include the decision in your birth plan. Take the blood out of storage if necessary.