Summarize the following:
If you are shy, but want to show interest, respond with something simple just to keep the conversation alive. You can add a hand-waving emoji if you want it to seem more friendly. This response will at least get you on his radar. Respond with something like, "Hey Eric! It's nice to meet you." At least he knows you got his message and it will be up to him to start moving the conversation forward. If you want to steer the conversation in a particular direction, respond with a simple question. Avoid questions that are too personal in the beginning and try to get to know a little more about him. For instance, you can write, "How's it going?" This is simple but will get the conversation started. You could also try, "What are you up to?" This gives him a chance to tell you about what he's been doing. A more targeted question could ask, "How was your weekend?" Answering that provides him an opportunity to share some activities of interest to him. Direct comments on his biography help the guy understand a bit more about why you are interested in him in the first place and give the conversation a direction to go. For example, "I saw that you compete in triathlons. Wow, how long have you been doing that?" This opens the door for more conversation on either of your interests. Another comment could be, "I read in your bio that you have four sisters! I guess you've spent a lot of time around women." This gives him a chance to share about his family. If you have an interest in common with his bio you could share that with him to get more conversation started. Be honest and stay true to your actual interests. Reveal only what you are comfortable with. If both of you like sports try something like, "I bet, like me, you are tired today from watching the overtime and penalty shots from the hockey game last night. Can you believe we won?" This opens the door to discussing mutual interests. Tell him you have a common interest by sharing a detail about yourself, "I am also training for a half marathon. It will be my sixth one. How long have you been running and what distances have you tried?" After you've been talking a while, show interest by gently flirting. Lightly tease him for saying something silly or tell him you really enjoy talking with him. You could try, "I enjoy chatting with you. You seem really funny and sweet." Express to him, "I can't believe how comfortable I am talking to you. If feel like we have known each other a lot longer." This can set the tone for the conversation or at least get a reaction from him. Images are a nice way to keep your response simple but be a little different from all the other responses he might receive. The GIF you choose could be funny, nostalgic or silly. These images can be used to help advance the conversation or share something about your personality. This will show that you took time to look through his pictures and are interested in getting some details. Don't be afraid to give compliments. You could comment, "Hey, I love the photo of you at the waterfall. Where was that taken?" Point out, "You look really happy in that picture of you at the beach. What beach were you visiting?" This can show that you are fun and adventurous and willing to be spontaneous. It can give him some insight into your personality and may highlight a new side of you. Out of nowhere you could ask, "Have you ever been whitewater rafting? Because I have always wanted to go." It may seem random but fun and can bring out more conversation. If the conversation stalls out, break the ice with humor. Show a flirty side, corny side or really funny side but aim to get a laugh or smile. An example of a cheesy, but funny joke would be, "What's the difference between a poorly dressed man on a tricycle and a well-dressed man on a bicycle? Attire." At some point if you are interested in continuing the conversation, you might want to know what he is looking for. You may want to know before giving him your number if he is only interested in a booty call. Try something cheeky like, "I'm interested in meeting up. Fun or future?" You can attempt to keep it light and still get a read on what he is hoping for. If you want to be more serious try, "So I'm enjoying our conversations but I'm wondering what type of connection you are looking for?"

summary: Send a brief response if he sends a short message. Ask a simple question to keep the conversation going. Comment on his biography to point out something that interests you about him. Tell him something new about you to give him something else to comment on. Reply with a flirty comment to show you are interested. Send a GIF if you think it would spur conversation. Inquire about one of his photos to learn more details about him. Respond with a wild card question if the conversation is lagging. Send him a joke if you want him to know you have a funny side. Inquire about his agenda to gauge his interest.

Summarize the following:
Discounted cash flow (DCF) calculations are used to adjust the value of money received in the future. In order to calculate DCFs, you will need to identify a situation in which money will be received at a later date or dates in one or more installments. DCFs are commonly used for things like investments in securities or companies that will provide cash flows over a number of years. Alternately, a business might use DCFs to estimate the return from an investment in production equipment, for example. In order to calculate DCFs, you will need a definable set of future cash flows and know the date(s) that you will receive those cash flows. To calculate the present value of future cash flows, you will first need to know their future values. With fixed payments like annuities or bond coupon payments, these cash flows are set in stone; however, with cash flows from company operations or project returns you will need to estimate future cash flows, which is an entire calculation in itself. While it may seem that you could just project current growth trends over the next set of years, the proper calculation of future cash flows will involve much more. For example, you might include industry trends, market conditions, and operational developments in cash flow projections for a company. Even then it may not be even close to accurate when the cash flows actually arrive. For simplicity, though, let's say you are considering an investment that will return you a set amount at the end each year for three years. Specifically, you will receive $1,000 the first year, $2,000 the second year, and $3,000 the third year. The investment costs $5,000 to buy, and you want to know if it is a good investment based on the present value of the money you will receive. The discount rate is used to "discount" the future cash flow value back to its present value. The discount rate, sometimes also called the personal rate of return, represents the amount that is "lost" each year due to inflation and missed investment opportunities. You might choose to use the return on a safe investment, plus a risk premium. For example, imagine that instead of investing in the investment providing future cash flows, you could invest your money in treasuries earning a guaranteed return of 2 percent per year. In addition, you expect to be compensated for taking the risk of loss of your money, say a risk premium of 7 percent. Your discount rate would be the sum of these two figures, which is 9 percent. This represents the rate of return you would earn by investing your money elsewhere, such as in the stock market. The only other variable you'll need once you have the discount rate and cash flow future values is the dates at which those cash flows will be received. This should be pretty self-explanatory if you've purchased an investment, have a set of structured payouts, or have created a model for a company's future cash flows; however, make sure to clearly record the cash flows with their associated years. Creating a chart may help you organize your ideas. For example, you might organize the example payouts as follows: Year 1: $1,000 Year 2: $2,000 Year 3: $3,000
summary: Identify a situation in which you would need to discount cash flows. Determine the value of future cash flows. Calculate your discount rate. Figure out the number of compounding periods.