Article: Many people get trapped in a never-ending cycle of payday loans because they are unable to pay the original amount back. Instead, they pay a small fee to renew the loan for another term. Payday lenders typically charge extremely high interest rates, which can translate to around 400% APR. This means the amount you owe can add up very quickly if you don't pay the loan off right away. Most payday lenders will require that you give them a postdated check for the amount owed or authorize them to withdraw money from your checking account when your payment is due (known as a Continuous Payment Authority). If you do not have money in your account, you will probably be charged a fee by the lender, as well as an overdraft charge by your bank. Make sure you understand exactly how much interest is being charged, when your payment will be due, and what your options will be if you can't afford to pay before you take a payday loan. Making a chart or spreadsheet that illustrates how much you will owe if you continue to renew the loan may help motivate you to pay it off as quickly as possible. Payday loans are generally due to be paid back in full on your next scheduled pay day. This generally means you have two weeks to pay the loan back. The most efficient way to stop a payday loan is to simply pay it back. If you pay the loan back right away, your fees will generally not be very high. Try to save money by cutting back on nonessential expenses like dining out and entertainment. You can also raising extra money by selling items that you no longer use, working overtime, or performing odd jobs. If necessary, ask trusted friends and family to help you get out of a payday loan cycle by lending you some money. You can pay them back with regular installments and you will no longer have to worry about growing interest and fees. It is important to pay your payday loans back, but it is not more important than paying your rent or putting food on your family's table. Make sure to always put the necessities first. If you have other loans to pay off as well, such as credit cards, pay off the debt with the highest interest rate first. This will almost always be your payday loan. Make sure you continue to pay the minimum amount owed on your credit card so you don't go into default. Many lenders offer payment plan options to customers who are unable to pay back the full amount they owe, but you might have to ask about this option.
Question: What is a summary of what this article is about?
Recognize the trap. Understand the true cost. Pay off the loan if possible. Prioritize. Ask about payment plans.
Article: Rice milk tends to taste best cool; however, it can also be enjoyed straight from the blender. If you want cool milk, leave it in the fridge for 30 minutes. Stir the milk vigorously before you drink it to ensure that the water and blended rice are fully combined. Keep the milk for up to 5 days.
Question: What is a summary of what this article is about?
Store the milk in your fridge and stir it before you drink it.
Article: Look for gum with xylitol. Bacteria in your mouth will cling to this artificial sugar instead of your teeth. Chewing gum also makes you salivate, helping to prevent dry mouth, and removes bacteria and food particles. Make sure it is sugarless. Whatever you choose, make sure it is sugar-free. Look for xylitol as a sugar substitute. And if using a spray, make sure it does not contain alcohol, as this will dry out your mouth, which contributes to bad breath. Remember: mints, sprays and lozenges only cover up bad breath; they are not a cure. If you find yourself constantly using breath fresheners, then be sure to see your dentist. Mint leaves are particularly good for freshening breath; they contain essential oils that have been shown to be effective in fighting bad breath. Other herbs to try include sage, which has antimicrobial properties that fight bad breath, or eucalyptus. Dill and parsley are both high in chlorophyll, which freshens breath, and have the added bonus of being served as a garnish with many meals. Coriander, cardamom, and anise will all freshen your breath, but don't chew too much. Anise, in particular, has a powerful odor that can be unpleasant if too much is eaten. If chewing cardamom pods, be sure not to swallow them. Alcohol kills the bacteria that can cause bad breath, which makes drinking an alcoholic beverage particularly one with a pleasing scent a good way to freshen your breath. The higher the alcohol content of your drink, the more effective it will be, but be sure to avoid sugary drinks. They leave a sugary residue that can bread more bacteria. Baking soda is a natural breath freshener. Mix a teaspoon into a cup of water, and swish it around your mouth.
Question: What is a summary of what this article is about?
Chew sugar-free gum to freshen your breath. Try a breath mint, lozenge, or spray. Chew on herbs to freshen your breath. Chew on seeds or pods. Use an alcoholic beverage to freshen your breath. Rinse with baking soda.