Once you know the basics of this equation, the math is easy. Just fill in the numbers for your loan or savings account after paying/receiving interest. This simple equation can be used to find your basic interest rate. I stands for the amount paid in interest that month/year/etc. P stands for the principle (the amount of money before interest). T stands for time periods (weeks, months, years, etc.) involved. R stands for the interest rate, as a decimal. A decimal like .34 doesn't mean much when figuring out your interest. Multiply by 100 to get a percentage. This is the percentage of every bill account of principle that is reflected in interest. So, if you got .34 as your rate before, you'd be paying 34% interest (.34100=34%{\displaystyle .34*100=34\%}) You should easily be able to find interest paid, the time period (when the bill/statement is from) and principle. For example, say you paid $2,344 in interest on a $12,000 loan last year. You want to know what your monthly interest rate was. To get it, you could input: Interest equation: IPT=R{\displaystyle {
rac {I}{PT}}=R} Plug in numbers: $2,344$12,00012mo={\displaystyle {
rac {\$2,344}{\$12,000*12mo}}=} Interest Rate Simplify equation: .01627={\displaystyle .01627=} Interest Rate Multiply by 100 to get the final percentage: .01627100={\displaystyle .01627*100=}1.6% monthly interest rate. Say you're trying to figure out your monthly interest rate on a loan after one year. If you put "1" in for T, as in "one year," your final interest rate will be the interest rate per year. If you want monthly, you need to use the correct amount of time elapsed. In this case, you'd aim for 12 months. The time should be the same amount of time as the interest paid. If you're calculating a year's worth of monthly interest payments, for example, then you've made 12 payments. Make sure you check when your interest is calculated -- monthly, yearly, weekly, etc.-- with your bank. The interest rate for loans must be readily available when you sign up for the loan or credit card. But tricky terms like APR ("annual percentage rate," ie. "interest") and fluctuating rates may make it impossible to determine what a certain rate even means. These fluctuating rates are almost impossible to determine by hand, but free calculators online can help you find the specifics for difficult loans. Sites like Bankrate.com and CalculatorSoup are unaffiliated and trustworthy. Search online for "Your Type of Loan + Interest + Calculator." For example, find "mortgage interest calculator," "CD interest calculator" or "variable APR interest calculator."
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One-sentence summary -- Plug your numbers into the interest formula IPT=R{\displaystyle {
rac {I}{PT}}=R} to get your rate. Convert the interest rate to a percentage by multiplying it by 100. Refer to your most recent statement to fill in the interest equation. Make sure that your time and your rate are on the same scale. Use online calculators to find rates for complex loans, like mortgages.

Gay men, in particular, may have had years of self doubt and questioning due to living with homophobia in all its forms. This takes time and effort to shake off! Take the time to identify what you think is beautiful about yourself, and nurture that beauty instead of doubting it. You should also believe other people when they tell you you are beautiful. They are telling you the truth as they see it! It can be hard to find stereotypically "gay" aspects of your composure or personality beautiful. This is because straight society has defined these things as undesirable. Instead of falling prey to these ideas, embrace your "gay voice" or mannerisms that are stereotypically associated with gay men. Attractiveness may have less to do with physical traits than other character traits, such as a sense of humor or a sharp intellect. Become really good at something. Do projects or hobbies you love to do. Develop a career that is fulfilling. Having passions, skills, and pursuits makes you a more interesting, and attractive, person. It can be easy to see someone and think, "I wish I could look that good." This can be especially hard in the gay community, where looks and traditional attractiveness tends to take center stage. However, this accomplishes nothing. Instead of comparing yourself to others, embrace your own looks. Learn to recognize your own beauty, and let the good aspects of your looks and style make you feel more confident. There is no one way to be a beautiful and attractive gay man. Some gay men find skinny, hairless men beautiful. Other gay men prefer hairy, large men. In other words, if you want to feel beautiful you don't necessarily need to change yourself. Instead, you can surround yourself with people who like you as you are! It is undeniable that it feels good when someone else thinks you are beautiful. If you are around people that fill you with self doubt and self hatred, those people are toxic. Find other people that can see the beauty that already exists in you.
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One-sentence summary -- Work on developing your self esteem. Fight internalized homophobia. Focus on developing your passions and skills. Don't compare yourself to others. Find a gay community that embraces your beauty.

A monopod will also reduce the fatigue you may experience when holding a heavy camera or using heavy lenses. Fatigue in such situations can be significantly reduced with a monopod, especially when you have long periods of time in between each shot. You may need to purchase a tripod mount ring to attach your monopod to your lens if your monopod didn't come with one. Monopods can be set up a monopod with a few simple motions. If you are photographing a fast-moving sporting event or want to observe wild animals that will be frightened away by too much noise or movement, a monopod will give you an advantage over a tripod. This is especially true when you're photographing on slanted grounds, because a tripod's legs will need to be readjusted every time you move. You will have more freedom with aperture and shutter speed if you steady your camera with a monopod, as opposed to just holding it. A tripod, which keeps the camera completely still, is still the best method of taking photographs in these conditions. The biggest benefit of a monopod over a tripod in these such conditions is its ease of use and portability. Bring a monopod instead of a tripod when you know you will be working in crowded conditions. Monopods require far less width than tripods. Set the timer on your camera, and then hold the monopod with two hands and raise it up. In situations when you want to get a shot from a higher position, such as a dance floor, a large crowd, or a bird nest, this can be an effective way to do so.
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One-sentence summary --
Mount your camera lens on a monopod to lessen shake when using a long lens. Use a monopod when you don't have time to set up a tripod. Take low-light photographs using a monopod. Use a monopod in crowded situations. Use the monopod as a reach extender for high up shots.