Problem: Write an article based on this summary: Create a new document. Set the background color. Create a new layer. Add your logo. Add your company or website name. Add extra elements. Clean it up.

Answer: Define your banner size: there are a number of standard banner sizes. For our purposes, we'll focus on a standard "full banner" size: 468 pixels by 60 pixels: Note: this is a standard size, but it's not a requirement. If your needs and requirements call for other dimensions, let that be your guide. Fill the background layer with a color that compliments your website design. Click on the Foreground Color to bring up the Color Picker, and select your fill color. With the Paint Bucket tool, fill background layer of the banner with your chosen color. We are going to fill this with a richer color to help set off the text and logo. We want it to be proportional to the size of the banner, and centered. In the new layer, create a selection that is somewhat smaller than the original banner, and fill it with the desired color. Center the filled area. Select the entire layer by pressing CTRL-A (PC) or Command-A (Macintosh). From the Layer menu, select Align Layers to Selection > Vertical Centers. Repeat this step but select Horizontal Centers. This will center the contrast layer horizontally and vertically. Open your logo file, copy it, and paste it into your banner document where it will appear as a new layer. Resize it as necessary to fit. Press CTRL-T on a PC, or Command-T on a Macintosh, and use the handles to resize the document as necessary, using the shift key on the handles to resize proportionally. Select the text tool, pick your desired font, and type it in. If it's not the right size, adjust as necessary, as described in the previous step. Sometimes, a logo and name is enough. Other times, adding some lines and ornaments will add the needed interest to your banner. Create a new layer to do this so that you can make any adjustments necessary without disturbing other layers. Fine tune the placement of logo and title, and any extra elements, and then save your banner.

Problem: Write an article based on this summary: Don't forget about the cash advance fee. Check the interest rate. Determine whether you can start to pay right away. Consider your alternatives.

Answer: Although there are a couple of cards that charge nominal cash advance fees, they are typically substantial. A cash advance fee is usually expressed as a percentage of the transaction10% is commonbut with a minimum dollar amount. So if you withdrew cash in the amount of $500, it would be subject to a $50 cash advance fee, because 10% of $500 is $50. However, even if you only withdrew $10, the minimum dollar amount for a charge might be $5, making the charge for the $10 withdrawal $5 instead of $1. The interest rates on cash advances are almost always higher than the interest rates on a typical credit transaction. Before you decide to make a cash withdrawal, make sure you know the interest rate and can afford it. It isn't uncommon to see interest rates of 20% and more for cash advances, which is extraordinary. Many a sensible person has become financially ensnared by a high interest rate. Make sure you'll be able to easily pay the cash advance back before you make the withdrawal. Unlike most credit card transactions, the interest on cash advances begins to accrue immediately. While it's always important to pay off your credit card balance as quickly as possible, this goes double for a cash advance. You will need to pay the minimum payment on your regular credit card balance before any payment can go toward paying off your cash advance. Any additional payment will then go to the highest interest rate balance on your card. So if the interest rate on your regular credit card balance is 4% and the interest rate on your cash advance is 20%, the payment must be applied to paying off the cash advance balance. A lot of people will have other alternatives to a credit card cash advanceprobably the only type of loan more unfriendly to the borrower than a cash advance is a payday loan. You should consider any of the following before you take a cash advance: Getting a personal loan. It will take a little longer than a credit card cash advance, but the interest rate will be much lower than a cash advance (by as much as half). Furthermore, you can usually get a personal loan for a larger amount. Personal loans are available through banks and credit unions. Applying for a HELOC. A Home Equity Line of Credit (HELOC) is a line of credit in the same amount as the equity in your home. It is like a second mortgage, but you aren't obligated for all of the equity in your home, and it has an expiration date. They'll take much longer to apply for than a cash advance, but they'll be far less expensive. ref>http://ptmoney.com/credit-card-cash-advance-bad-financial-move-or-good-emergency-plan/</ref> Interest paid on a HELOC is deductible from income tax.

Problem: Write an article based on this summary: Fill out an online application. Demonstrate your knowledge of Disney properties. Let them know that you're passionate about Disney. Provide details on relevant experience. Clear your schedule. Show off your tech-savvy side. Build up a strong social media presence.

Answer:
Most Disney-authorized travel agencies allow you to apply easily from their websites. Look for the "Join Our Team" link on the website of the agency you'd like to apply to. Read the instructions carefully, and fill out the application form. Most Disney travel agencies won't hire someone who's never visited a Disney destination. In fact, some agencies will not even accept applications from people who haven't been on at least 3 Disney vacations in the past 5 years! Be ready to list all your Disney vacations, and give detailed accounts of your experiences. Show off your knowledge of the different destinations and what they have to offer. In addition to having knowledge and experience of Disney destinations and vacations, agencies will want to see that you are generally knowledgeable and excited about the Disney brand. If you're a big Disney buff, let your enthusiasm shine through in your application. For example, you might say things like: "I'll never forget my first trip to Disney World when I was 7. I'll always look back on it as one of the happiest times of my life!" "I'm the biggest Disney geek I know. I know every song from Alice in Wonderland by heart." "Disney's movies and parks have brought me so much joy, and I'd love to share that joy with others through my work." Most Disney travel agencies don't absolutely require you to have professional travel planning experience. However, it's a big plus if you do! If you've ever worked in travel planning or a related industry, make sure to note it in your application. Experience with customer service or doing freelance work are also major advantages. Before you apply for a Disney travel agent job, make sure that you can commit plenty of time to the work. A successful travel agent needs to spend a lot of time working with clients, airlines, and destinations to make sure that each client gets their ideal vacation package. Before you apply, consider whether you have any other commitments that might interfere with your work for the agency. Travel agents need to be comfortable working with a variety of technology and software. In order to do your job well, you'll need access to a smartphone and a computer with high-speed internet. You'll also need to be comfortable using office software and online travel booking systems. Make sure to highlight your tech skills in your application. Social media is an invaluable tool for a successful travel agent. As a Disney travel agent, you'll be expected to create social media accounts dedicated to marketing and sharing information about Disney travel opportunities. Travel agencies will want to see that you already have a strong personal network with plenty of connections any of whom might be a potential client. Some agencies may also ask for information about your activities on travel discussion groups and Disney fan communities. If you already have a presence in those kinds of groups, be conscious of how you conduct yourself!