Q: Too much time in front of a screen isn't just a time waster. It can cause physical and emotional distress. Understand how too much time on the computer can affect you. Adequately knowing the risks provides motivation to quit. Spending more than 4 hours a day in front of a screen can increase the risk for heart disease, even if they engage in adequate amounts of exercise throughout the week. Some studies show that excessive screen time damages brain tissues and ultimately impairs the brain's ability to function. The frontal lobe, which determines success in many areas of life, is most susceptible to damage. Carpal tunnel syndrome is a well-known health risk of heavy computer users. If you have pre-existing mental health issues, especially hypochondria and obsessive compulsive disorder, the onslaught of information readily available online can fuel unwanted thoughts. For example, hypochondriacs often turn to WebMD to self-diagnose benign symptoms as serious medical problems. While rare, some people develop Internet or Computer Addiction. Excessive use of the internet or the computer becomes addictive, causing emotional symptoms like depression, anxiety, and a feeling of isolation and physical side effects like back aches, headaches, weight loss, and weight gain. If you worry you might be suffering from an addiction to your computer or the internet, seek psychiatric care. In order to understand where and how you're spending too much time on your computer or laptop, keep track of the websites you visit and anything else you do in front of the screen. Which websites are causing the problem? Figure out how much time you spend online. Do you use the internet primarily for social media? Are you a Facebook, Twitter, or Instagram user? Do you find yourself mindlessly scrolling a newsfeed? Try to figure out why you're drawn to social media sites and how you might be able to cut back. Many people use the internet for watching television, movies, and videos. Do you spend a lot of time on Netflix and YouTube? Is watching things your primary form of relaxation? Is there anything else you can do to unwind besides indulging in online viewing? Are you a news junkie? Do you read the New York Times, Huffington Post, and other news-related websites to stay up-to-date with the world? If so, could you subscribe to a few magazines or read a newspaper in lieu of getting your news solely through the screen. Do you play any games? Many people use their computer primarily on their laptop, whether online with other players or solo. How many hours do you spend on computer games each night? Track your computer time for a week, making a comprehensive list of all the sites you visit and anything else you do with your computer. Try to figure out what websites, applications, and games take up the most time. Many people are shocked when they actually calculate how much time they're spending on their computer. Figure out approximately how many hours a day you spend in front of the screen. This can be great motivation to quit. You can use pen and paper to create a computer log for yourself. Write down the websites you visit, games you play, etc., and keep track of start and end times for your computer activity. Total the hours at the end of the day. If you have trouble keeping track of information yourself, there is a time management and analytics app called RescueTime. It breaks down how much active time you spend on your computer and what websites, games, and applications you're focus the most attention.
A: Know the risks. List what you do on the computer. Figure out how much time you spend in front of the screen.

Q: You can apply to refinance your automobile loan with the lender from the original loan, or you can switch to a new lender. Lenders who allow refinancing will replace your existing loan with a new loan, typically offering lower monthly finance charges. Not every lender will allow borrowers to refinance a loan, so it may be worth comparing your options to determine which lender to go with, or whether you're eligible to refinance at all. As part of the refinancing application process, you'll need some basic information to provide the lender. Before you apply to refinance your loan, you'll need to have ready: your current interest rate how much money is still owed on the existing loan how many months remain in the existing loan's terms the make, model, and current odometer reading of your vehicle the current value of your vehicle your current income and employment history your current credit score If you are eligible for an automobile loan refinance with your existing lender, you may be eligible for a better loan through a different lending institution. It's worth comparing your refinance loan options to get the best available loan terms. When you search around and compare refinance options, it's worth considering: the loan rate the duration of the loan whether there are pre-payment penalties or late payment penalties any fees or finance charges what (if any) the conditions for automobile repossession are with a given lender
A: Contact your lender. Gather the necessary information. Compare refinance loan options.

Q: Chocolate chips and chocolate bars don't usually use true chocolate and do not have the same rich taste as couverture chocolate. However, they are more stablemeaning they can be microwavedand are a lot cheaper than couverture chocolate. Always look at the ingredients first to determine the chocolate type. Confectionary chocolatecheaper chocolates rich in carbohydrates and sugarcontain vegetable fat instead of cocoa butter. You can use any chocolate for molded chocolate. In general, anything with vegetable fat (most store-bought chocolates) is going to be easier to melt but not as tasty. If you're making chocolate with kids, confectionary chocolate is a great choice because it comes in lots of different colors. Couverture chocolate is high-quality and tastes great, but much is more expensive than standard chocolate. It also must be heated with a double-boiler. But if you're picky about your chocolate, couverture chocolate is worth the price! Check the ingredients to determine the chocolate type. Couverture chocolate contains cocoa liquor, cocoa butter, sugar, and vanilla. Any chocolate with cocoa butter must be tempered, which means you must use a double-boiler. if you're using couverture chocolate. Heat 1 pound (450g) of couverture chocolate on low for 15 minutes. Place your chocolate into the top pan or bowl. Set the heat to low2 or 3 on your stove dialand boil it for about 15 minutes. Use a cooking thermometer to make sure the chocolate is 110F (43C) when it's done. Be sure to stir the chocolate every 1 to 2 minutes once you notice it start to melt. If you don't own a double-boiler, make one on your own. Never use an oven without the help of an adult.
A:
Buy chocolate bars or chips for the cheapest option. Purchase couverture chocolate for the best taste. Double-boil the chocolate