Problem: Write an article based on this summary: Write down what you owe. Determine what to pay each month. Call your credit card companies and ask if they can lower your interest rates. Transfer your credit card balance Look into student loan consolidation if you have multiple student loan payments. Prioritize your highest-interest debt and pay it off first.

Answer: The primary way to lower your debt-to-income ratio is tackling your debt. Sit down and make a comprehensive list of everything you owe. It may help for you to get a copy of your credit report. On your list, include the following information for each of your debts: Name of the creditor Total balance Interest rate Minimum monthly payment Amount you would need to pay to zero-out the debt in 3 years (which is sometimes listed on credit card statements) Determine how much you would need to pay each month in order to zero-out all of your debt in 3 years time. Use an online interest payment calculator to factor in the cost of interest each month. Let's say you owe $3000 at an interest rate of 8%. In order to pay this off in 3 years, you would need to pay $94.01 per month. If you cannot afford to get out of debt in a matter of 3 years, you may want to speak to a loan counselor. If you have been making your minimum payments successfully, your credit card company may be open to lowering your rate. You might say, "I've been consistent with my payments for over a year now, and I'd like it if you could give me a better rate." If you qualify for a different card at a lower rate, see if your credit card company can match that rate. Be persistent. They probably won't say yes the first time you ask. if you qualify for a lower interest card. Look for credit card that can accept a transfer from an existing credit card. These are sometimes called balance transfer credit cards. In order to get the best value on your card: Seek out 0% or low APR rates. These types of cards often have introductory rates that are very low. This can allow you to pay off some of your debt without interest. Pay attention to the length of the introductory rate. Look for the longest period you can find. Find out what the rate is after the introductory period. You may want to use a credit card comparison site, like Credit Karma. Contact each of your student loan providers to determine the amount you own, the percent of interest you are charged, and your current minimum monthly payment. Then contact a consolidation loan provider to find out if you qualify for a better loan. If all of your student loans are federal, contact the Department of Education to find out about consolidation options you. If you have private loans, shop around for the best offer. You might contact Chase, NextStudent, Student Loan Network, or Wells Fargo. Determine which of your debts holds the highest interest rate. This should be your "target debt." Pay the minimum amount on all of your other debts, and put the rest of your monthly payment toward this target debt. If you happen to have any extra money in a given month, put this toward your target debt as well. After your initial target debt is paid off, determine which debt has the next highest interest rate, and make this your new target debt. As your credit score improves, you may become eligible for balance transfers or loan consolidation opportunities that you did not previously qualify for.

Problem: Write an article based on this summary: Make the first move. Join after school activities, such as a club or play. Look for other people who are new to the school. Try to sit in the middle of the classroom. Give it time.

Answer: Anywhere, such as near your locker or at the water fountain, you can find someone that has things in common with you, all you need is to know how to approach them. Strike up a conversation, smile and compliment them, and, of course, introduce yourself and tell them where you came from! You never know where you can find a nice friend. Since you're new, people are likely going to be curious about you and will be more open to talking with you. Take advantage of this. . It doesn't matter whether it's a club, the theater group or a sports team. It'll give you the chance to meet new people that you'll see regularly, two things that encourage the formation of new friendships. On top of that, joining extra-curricular activities means you'll find others who enjoy the things you do more easily. You can also use this opportunity to try new things you might not have wanted to do at your old school. A new school is a chance to reinvent yourself, so don't be afraid to try new things! You're probably not the only one and at the very least, you'll have one thing in common: you're both in an unfamiliar environment. Since being new is something that you all have in common, making new friends shouldn't be that hard. Talk about your old school, your new school, your opinions, grades, teachers, and you're bound to find something in common. You'll be noticed more there than at the front or the back of the class. You'll have an easier time making conversation with people, and are more likely to be paired up with a variety of people for group projects. You might not necessarily make friends on your first day at your new school, and that's okay. Building friendships takes time, and you need to find the right people as well. As long as you don't give up, you'll eventually find people you can call your friends.

Problem: Write an article based on this summary: Turn on the vacuum cleaner. Sweep under the bed with a broom. Try moving your cat's bed.

Answer: If you absolutely must get your cat out from under the bed in a hurry, the sound of a vacuum cleaner is highly effective. Bring the vacuum cleaner into the bedroom, set it up next to the bed, and turn it on. Most cats will bolt at the sound. If your cat is really determined to stay, try sliding the vacuum cleaner hose under the bed and shaking it around. Insert a broom under the bed and gently sweep it back and forth to try to chase the cat out. This may not be effective if your cat is able to climb up into your box-spring. Some cats only enjoy being under the bed when they can also press themselves against the wall or corner. Try moving your bed away from the wall so that your cat will be less comfortable in that area.

Problem: Write an article based on this summary: Open SmallPDF's Word-to-PDF website. Click Choose file. Select your Word document. Click Open. Click Download File.

Answer:
Go to https://smallpdf.com/word-to-pdf in your computer's web browser. It's in the middle of the SmallPDF page. Doing so will open either a File Explorer (Windows) or a Finder (Mac) window. Go to your Word document's location, then click the Word document to select it. It's in the bottom-right corner of the window. Doing so will upload the Word document to SmallPDF. On a Mac, you may click Choose here instead. This option is in the lower-left side of the SmallPDF page. Your PDF will download onto your computer, though you may have to select a storage location and/or confirm the download depending on your browser's settings. It may take a few seconds for this option to appear if your Word document is large or your Internet connection is slow.