Beat them together at medium speed until the mixture is creamy, using either a stand mixer with a flat paddle attachment or an electric mixer. If the dough does not pull together, add additional tablespoons of milk until the dough becomes thick and pasty.
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One-sentence summary -- Whisk the flour, cocoa powder, baking powder and baking soda together in a mixing bowl. Place the butter and sugars in a separate mixing bowl. Add the vanilla and hazelnut extracts to the butter mixture and beat them all together for an additional 30 seconds. Add 1/2 of the dry ingredients to the wet ingredients and mix them on low speed until the dry ingredients are just incorporated. Add the milk and beat the mixture until combined. Pour in the rest of the dry ingredients and mix them until the batter is smooth. Spoon in the Nutella and beat the mixture until all of the ingredients are incorporated. Cover the mixing bowl with plastic wrap and chill the dough for 15 to 20 minutes in your refrigerator.

To make sure that the line enters the reel properly, lay the spool flat on the floor with the label facing up. Your spool should line up so that the line comes off of the spool the same way it will be going into the reel. If your line is twisted or the line doesn't line up when the label side of the spool is facing up, flip it over. This will help avoid any problems with the line becoming twisted. You should pinch the line lightly, about 12in (30cm) above the reel and pull it tight. Crank the reel slowly, about 20 times, and let the line slide through your pinched fingers. Stop cranking and allow your line some slack to inspect it for twists. If the line is twisting, strip some of the line back off of your reel and realign your spool and line. Always apply light pressure to your line while you load it. If you don't the line will go on loose and end up becoming tangled later. You can keep loading the line as soon as you are sure that the line is not twisting. Keep adding the line slowly and stop every 20-30 cranks to inspect your line for twists. If you find a line twist you may need to start the process over again. If you have already flipped your spool after the first inspection, straighten out the twist and continue slowly. This will give you plenty of line to use, even if you have to cut off a large piece of the line while changing lures or clearing snags, without overloading your reel. Under filling or overloading the spool will cause tangles and problems with casting. Leave a small amount of excess line to secure its free end with a lure. After cutting the line you can also place a small piece of tape over the free end on the spool to prevent it from coming unraveled. You can use scissors if you do not have line cutters. You can use a lure, swivel, or a clip to secure the free end of your line. This will prevent the line from slipping through the guides. You can also wrap a rubber band around the spool. If your spool comes with a tab in it, you can also tie the end of the line around the tab.
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One-sentence summary -- Close the bail and place the spool on the floor. Pinch the line and slowly crank the reel. Continue to crank the reel to load the line. Fill the spool until it is 18in (0.32cm) away from the rim. Use line cutters to cut the line close to the supply spool. Secure the line on the spool.

In most instances, creditors and lenders want to see a debt-to-income ratio of 36 percent or less. If your debt-to-income ratio is higher than this percentage, you might have difficulty securing a loan until after that percentage drops. A ratio of 19 percent or less is ideal, and if you can secure this level of financial security, you should have very little problem securing loans or taking on new credit. A ratio between 20 and 36 percent or less will usually be deemed healthy enough to secure a loan from most lenders, but you should begin cutting back once you . If your debt-to-income ratio is between 37 and 42 percent, you are in a state of minor financial crisis and may not be able to get any loans or new lines of credit. At a ratio between 43 and 49 percent, you will likely begin seeing financial difficulties in your everyday life in the near future. If your ratio is 50 percent or higher, you need to seek professional help to quickly reduce your debt. These are terms that are used when you are looking to secure a mortgage loan. Front-end debt ratios only use proposed monthly housing expenses, while back-end debt ratios use all existing debt and any new projected monthly mortgage payments. For most purposes, you should look at your back-end debt. Many lenders will usually look at front-end debt, but as a borrower, you should look at both front-end and back-end debt to determine how much you can actually afford regarding new loans and credit. Front-end debt-to-income ratios are also known as housing-expense-to-income ratios. This percentage should be at or below 28 percent, while a back-end debt-to-income ratio should be at or below 36 percent. If your debt-to-income ratio is higher than you would like it to be, you can help lower it by implementing lifestyle changes that decrease your debt levels. Increase the amount of money you pay toward your debts. If you can manage it, make extra payments toward your loan, house, car, or any other debt for which there is a principle you must pay off in addition to interest. Make sure that the payment goes toward your principle. This will lower your overall debt faster. Do not take on more debt. Put away the plastic and avoid making more purchases on your credit card. Do not apply for any other loans or lines of credit, either. Avoid making any large purchases. If you do not have much savings built up right now, wait until you do. This will allow you to make a larger down payment, and as a result, less of your purchase will be funded with credit and you can reduce the amount of debt you accumulate. Whether your debt-to-income ratio is healthy or not, monitoring it continually can help you avoid major credit problems. You should keep an eye on it even if you do not plan to make a major investment any time soon. If you know that your debt-to-income ratio is on the high end, keep tabs on it every month. Otherwise, checking the ratio once or twice a year should suffice. Having too much debt can lower your credit score, causing your lending limits to decrease and your interest rates to increase. Monitoring this ratio can help you make better decisions about buying on credit and taking loans out. It can also make the benefits of making more than your minimum credit card payments more evident and allow you to avoid major credit or financial problems in the future. If your debt-to-income ratio rises too high, you could have difficulty making major purchases and you might lose out on the lowest interest rates and best credit terms.
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One-sentence summary --
Know how your ratio looks to lenders. Understand the difference between front-end and back-end debt. Take steps to lower your debt-to-income ratio, if necessary. Monitor your debt-to-income ratio periodically.