Write an article based on this "Choose a person to describe. Describe an object. Select a place to describe. Pick an event or memory to describe."
article: One possible topic for a descriptive essay is a person that you feel strongly about, such as a mentor, a friend, a parent, or a role model. The person may be someone very close to you who knew you during a formative period in your life, such as your mother. Or the person could be someone you do not know well who has qualities you admire or wish to emulate, such as your favorite basketball player. If you are writing the descriptive essay for a college application, you may choose a person who is a role model or a mentor to you. Describing this person in the essay will give you the chance to discuss why this person is important to you and the lessons you have learn from this person. Another possible topic option for a descriptive essay is an object that has meaning or significance to you. The object could be from childhood or adolescence. It could be your favorite object as a kid or the object you hated the most. Maybe the object has sentimental value or holds deep meaning for you. For example, you may choose your favorite childhood toy as the topic for the essay. You could then describe the toy and what it meant to you growing up. Identify a place that is important to you and describe it in your essay. The place could be your hometown, your bedroom, or your favorite spot at school. You could also choose the ideal place, or where you would go if you could go anywhere in the world. For example, you may choose the most beautiful place you have ever been to. You can then describe the experience of the place and how it made you feel. Choose a significant event in your life and use it as the topic of your essay. The event could have happened recently or very far back in the past. Pick an event that taught you something or shifted your world view. For example, you may choose the first time you got your period or the first time you visited a relative in the hospital.

Write an article based on this "Watch how the animal jumps. Notice if the animal ever crawls. Consider where you found the animal."
article: Both frogs and toads jump. Frogs, however, tend to jump more often and much higher. Frogs take very high jumps, and can also jump great lengths. Toads take very small hops and lack the ability to jump very far. Toads are much more likely to crawl than hop. Crawling is a toad's main form of movement. You will rarely see a frog crawling. An animal that is crawling is very likely to be a toad. Always consider other factors, as an injured frog may crawl. Frogs need to be close to water to survive, while toads can spend a lot of time out of water. An animal that stays close to water is likely to be a frog. If you find an animal far away from water, it is probably a toad. A frog is unlikely to wander far from a source of water.

Write an article based on this "Determine the total amount of your loan. Find the loan term. Calculate your interest. Establish your total repayment."
article:
When you borrow money from a bank or other lender to make a large purchase such as a house or a new car, you borrow a specific total amount. This amount will be listed on your loan documents. As an example, assume you are borrowing $150,000 to buy a house, or $30,000 to buy a car. Your loan term is the length of time you'll be paying back your loan. For mortgages, the term typically is 30 years, although terms anywhere between 15 and 40 years are not uncommon. For vehicle purchases, loan terms typically run anywhere from 3 to 6 years. Keep in mind that although loan terms usually are discussed in terms of years, they are calculated in months. For example, if you had a 30-year mortgage, your loan term would be 360 months. For a 5-year vehicle loan, the loan term would be 60 months. The interest on a loan is the amount it costs you to borrow the money, expressed as a percentage of the borrowed amount. The interest rate you are offered will depend on your credit history, the type of loan, and the amount of money you're borrowing. In most cases, your interest rate will not change once the loan term starts. However, it may increase after a few years if you've taken out an adjustable-rate loan. Generally, you'll have either simple interest or compound interest. With simple interest, the interest is calculated solely on the outstanding principal amount. However, with compound interest, the interest rate is applied to both the outstanding principal and the outstanding interest owed. For the purposes of the examples, assume the interest rate on the 30-year home mortgage is a fixed rate of 4.5 percent, while the interest rate on the car loan is 5.25 percent. The total repayment consists of how much it will cost you to pay back your loan over the full loan term, including principal, interest, and any fees. The total repayment figure assumes that you make all payments on time. Keep in mind that your annual interest rate does not reflect the cost of origination or other fees that your lender may charge to service your loan. However, your loan documents may include a figure described as the "effective APR." This amount is the annual interest rate plus any fees. While traditional lenders are required by law to disclose the APR to you, lenders outside the traditional sphere are not. If you're using an alternative lender, make sure you total all the fees and find the APR. You can use APR calculators online for this purpose. While not all fees are financed, all finance fees are included in the APR calculation. Therefore, you should not use APR when calculating an amortization, you should use the note rate (interest rate) calculated based on the total loan amount, which might include some financed fees.