Problem: Article: To call a landline or mobile phone internationally with Skype, you'll need either a subscription or enough credit with Skype. Unfortunately, all reliable online telephone services will charge for their international service. A number pad should open, similar to a telephone's keypad. On the right should be displayed your country information and calling rates. This will add the USA phone code (+1) to the beginning of whichever number you're going to call to reach the United States. Be sure your country selection is correct before continuing. Once you've selected the USA from the drop-down menu, enter the ten-digit phone number (area code + seven digit number). Press the blue "call" button to place your call.
Summary: Buy Skype credit or a subscription. Sign-in and press "call phones". Select "United States" from the drop-down menu. Enter the number and press "call".

Problem: Article: Before you begin flipping your way through your favorite recipe books, you should first take some time to consider the food allergies that your partner may have. You wouldn't want to spend the time making a delicate peanut butter pie for dessert only to remember that your partner is allergic to peanuts. Make a list of the food allergies your partner has, if any, and cross check any recipe you are considering with that list. You should also consider your partner's dietary preferences. Cooking a steak dinner might not go over very well with a vegan girlfriend. You could also consider foods that you know your partner loves and try to work these foods into your menu. When considering what to cook, stick to dishes that you have tried before. Testing out a new souffle recipe on your loved one may result in a disastrous (but potentially memorable) meal. Choosing a simple meal can make the whole process a bit less stressful; there is nothing wrong with breaking out your family's favorite fettuccine alfredo recipe for this special occasion. Consider meals that you have cooked in the past that are simple to make but look fancy. Or, think about making a variation of a meal that you have not tried that you feel confident you can prepare well. You could also browse the internet or search wikiHow for recipes that are rated well and that seem to be in accordance with your skill level. Some recipes you may like to try include: Filet mignon, risotto, shrimp scampi, salad nicoise and French macarons (for dessert) If you are planning on serving several courses, try to pick out courses the compliment each other. Once you have picked out your main dish, consider selecting an appetizer(s) and dessert to accompany the main course. Consider the ingredients that you will be using in your main dish, and then try to find appetizers and desserts that pair well. In general, you may want to try to stick to one type of cuisine. For example, if you are thinking about preparing fettuccine alfredo with chicken and vegetables for your main course, you may want to browse Italian appetizers and desserts. You could consider starting out the meal with a caprese salad, or melon wrapped in prosciutto (both of which are easy to prepare even if you have not made them before), and ending the night with Italian gelato and fresh fruit for dessert. Once you have selected your dishes, consider creating a pretty menu that you can put on the table for your partner to look at when they sit down. Write down each course and consider writing the main ingredients of each dish below the name of the course, like you often see in restaurants. If you are deciding between a couple of dishes, or are thinking about trying a recipe you have never tried before, you may want to try cooking them before your romantic evening if you have the time. Doing a test run can help you to figure out whether the dish will go over well. Practicing the preparation of your meal will also help you to resolve any challenges you face during while cooking, such as overcooking or undercooking the meat, or leaving the noodles in the pot too long. To create a romantic evening, try to avoid dishes that smell heavily of things that are not terribly romantic, like intense fish or fiery garlic. Leaning in for a kiss from your loved one could end up less than romantic if you both wreak of boiled broccoli. Like smelly foods, foods that could upset your stomach should also be avoided if possible. Burping or passing gas in the middle of dinner could quickly kill the romantic mood if your partner is offended by that sort of thing. Of course, everyone reacts differently to different kinds of food, but in general the foods that cause the most gas include: Beans and lentils. Vegetables like broccoli, peas, asparagus, and cauliflower. Fruits like peaches, apricots, raw apples, and pears. Milk and rich dairy products. If you are the legal drinking age, consider pairing your meal with a nice bottle of wine. The wine you choose will depend on the kind of food you are eating. If you don't like wine, or cannot legally buy it, consider making a fancy non-alcoholic beverage, like a Shirley Temple. If you are considering wine, click here.
Summary: Be aware of your partner's allergies. Pick out a dish (or dishes) you know you can cook well. Decide how many courses you are going to serve. Write up a menu (optional). Consider testing out a couple of dishes before the big night. Try to avoid dishes with very strong odors. Try to avoid foods that might make you or your partner gassy. Plan out what you will drink with your meal.

Problem: Article: Before you sign on with a financial planner, even after doing your due diligence, you still need to read the fine print of that planner's agreement. Some planners include a mandatory arbitration clause in the contract. Others may try to sneak in some type of speculative investment clause without your consent. Always read the details of any contract or agreement before you sign, as signing may revoke your legal right to contest that planner's decisions or pursue arbitration against that planner. Have a lawyer you trust look over the contract. Convey your needs, desires, and limits to your attorney so she can properly evaluate the contract before you sign. Make sure your contract ensures that your investments will be liquid (easily convertible to cash), transparent, and conducted for a reasonable cost. An important factor to consider when you sign a contract is whether your advisor follows the suitability standard or the fiduciary standard. Advisors who adhere to the suitability standard are still legally required to ensure that an investment is suitable for you, but there is no ethical requirement that the investment must be the best option available for you. These advisors usually work on commission. An advisor who adheres to the fiduciary standard is legally bound to give you sound advice that meets your financial needs, making sure that all investments are in your best interest. A fiduciary standard advisor usually works as a fee-only advisor. There are numerous methods of compensation, depending on which advisor you choose to work with. Some experts advise that the method of compensation is largely a matter of personal preference, and should not overshadow a given planner's competence and record of success. The most common payment terms are: Fee-only Your payments to the planner are based on consultation meetings, plan development, or his management of your investments. These may be billed as an hourly charge, a flat project charge, or on a certain percentage of your investments being managed. Commission-only You do not pay for advice or preparation of your financial plan, and instead pay your planner with a portion of the sale of financial products used to implement your planning recommendations. Fee-offset Profits from the sale of financial products are offset against any fees billed to you during the financial planning process. Combination fee/commission You pay a fee for advice and plan preparation, and your planner receives commissions from certain products used to meet your plan's goals. Salary Most financial planners working on salary are usually employed at a financial service institution, like a bank or credit union. The best way to evaluate your financial planner is by reviewing her track record. If your planner is doing her best for you and helping you meet your goals, you are getting good service for your dollar. Some commonly agreed-upon qualities of a good financial advisor include: Financial decisions that are based on your goals A willingness to establish your risk tolerance and make investments which you are comfortable with Objective advice without any ulterior motives or conflicts of interest Regular face-to-face meetings to review your investments
Summary:
Read the fine print. Negotiate the payment terms. Assess your planner's performance.