Write an article based on this "Set your blow dryer to cold on the lowest air flow setting. Apply a hairspray, a post-straightening product, or a setting spray. Carry an umbrella with you."
article: Blow-dry your hair for another minute carefully to set your straightened hair. You can use a thick brush to guide your hair in a straight motion if you prefer. This helps keep your hair straight all day. Anti-frizz serum that contains silicone is especially effective at keeping hair straight after flat ironing. If you live in a climate prone to random bouts of moisture, carry an umbrella with you in case it starts to rain or mist heavily. External moisture will cause your hair to become frizzy again.

Write an article based on this "Acknowledge any unintended distance by addressing it. Meet up. Hold an annual reunion event. Send invitations via snail-mail."
article: Most friendships go through challenging times, especially when you begin to see each other less often. Keep a friendship going by articulating the fact that you want to keep in touch, even if your individual situations will require a different approach. Make time to communicate. You can even add an alarm to your phone or calendar to remind you though you'll likely end up looking forward to reacquainting with one another each chance you get. Apologize for being out of touch. State that you regret the distance that has grown between you, and that you intend to be better about staying in touch moving forward. Everyone gets busy from time to time. Don't be the person that uses being busy as a reason not to keep in touch even when it's a valid point, it sounds disingenuous. Be direct, and trust that your friend wants to get back in touch too. Try something like, "Hey! I know it's been a while, and I apologize for my role in that can we meet up soon?" If you're within an easy bike, train, or drive of one another, make plans to meet for an evening together, or even the occasional day trip. You'll both be looking forward to it, and planning ahead will make it more likely to actually happen! If you're having trouble getting together at the spur of the moment, plan ahead, even a month or so beforehand. For further trips, plan further in advance. You may be limited by distance and expense, so you may not be able to visit far-off friends as often, but with planning and saving, you can definitely still make meet-ups happen! Whether with one friend or an old crew, make a tradition to meet once a year. You can always meet at the same place, rotate between one another's current hometowns, or go somewhere different every year. If you're hoping to bring a bunch of friends together, have everyone pitch in and rent a space that is somewhat centrally located. Alternatively, have the most-centrally-located person host to reduce traveling and housing costs. Even if only for a weekend every year, seeing one another will greatly help you keep in touch. It doesn't have to be anything special simply spending time together can be incredibly enjoyable and rewarding, not to mention fun. You don't need a computer to keep in touch with your friends. Letters and hanging out are both far more personal and one can even help facilitate the other. Whether simply for a dinner next week, or that annual friendship soiree in the sun, send hard-copy invitations. Include all the important details in the invitation, as well as the contact information for whomever is organizing the event. Encourage recipients to post the invitation somewhere they'll see it, both as a reminder of the time and date, but also to increase excitement. There's nothing like looking forward to seeing one another to ensure yet another good time together.

Write an article based on this "Identify the loan amount and interest. Explain the schedule of payments. Grant a right to prepayment. Explain any late charges. Identify default."
article:
The first thing you should include is the amount of the loan and the interest rate. Your state has probably set a maximum interest rate you can charge as well, which you can find online. If you want to charge interest, research your state and federal laws. For example, the IRS requires that you charge a minimum interest rate, otherwise, they may interpret the loan as a "gift" for tax purposes. Sample language could read: "Lender promises to loan $5,000 USD to Borrower. Borrower promises to pay back this amount to Lender, with interest payable on the unpaid principal at a rate of 4% per annum, calculated yearly not in advance." You should include the date the loan will be paid in full. You also might want to attach to your payment agreement a schedule listing when monthly payments are due. On your schedule, list the day of each payment and the amount that the borrower should pay. If you aren't charging interest, then divide the amount by the number of monthly payments. Sample language could read: "Borrower will make payments as set forth on Schedule I. The Loan will be repaid in full on August 12, 2016." The borrower might find that he or she can pay off the loan early. You should explain in the payment agreement whether this is allowed. Generally, prepayment is a good deal for the lender because he or she will get the money paid back early; however, the lender would lose out on some interest. A sample prepayment provision could read: "Borrower has the right to make payments of principal before they are due. Borrower may make a full prepayment or partial prepayments without penalty, provided Borrower gives advance notice of its intent to prepay. Lender will use prepayments to reduce the amount of principal. If Borrower makes a partial prepayment, there will be no change to the due date or in the amount of the monthly payment unless Lender agrees." The seller might want to charge a penalty or additional interest if the borrower is late with payment. You should explain what the late charge will be and how you will calculate it. For example, if you want to charge a percentage penalty, you could write: "If Lender has not received full amount of any monthly payment within 15 calendar days after the date it is due, Lender may assess a late charge to Borrower of 1% of any overdue payment." "Default" occurs when the borrower does not follow the terms of the payment agreement. Typically, the borrower will default when he or she misses a payment. However, the lender usually reserves the right to declare a default. The lender usually reserves the right to immediately demand payment of all outstanding principal and interest. Sample language: "If Borrower defaults in the performance of any obligation under this Agreement, Lender may declare the principal amount owing and any interest due immediately due and payable." With this provision, the lender doesn't have to declare a default, but he or she has the option if payment is missed.