In one sentence, describe what the following article is about: There are many car loan payment calculators available for free online. Take advantage of these free services if you don't want to spend the time calculating your payments yourself. Search "Car loan payment calculator" and you will be provided with many options. If you still want to work it out by hand, continue to the next step. Start by converting your APR to a decimal by dividing it by 100. For example, if your APR is stated at 8.4%, 8.4/100 = 0.084. Next, find your monthly percentage rate by dividing your APR decimal by 12. So, 0.084/12 = 0.007. This is your monthly percentage rate expressed as a decimal. If, for example, your principal were $20,000 (if you borrowed $20,000 to buy your car), you would multiply this by 0.007 (from the previous step) and get 140. The formula is as follows: Monthly Payment = (Interest rate due on each payment x principal)/ (1 (1 + Interest rate due on each payment)^ -(Number of payments)) The top part of the equation (interest rate due on each payment x principal) is your number from the previous step. The rest can be calculated using a simple calculator. The "^" indicates that the figure (-(Number of Payments)) is an exponent to the figure (1 + Interest rate due on each payment). On a calculator, this is entered by calculating 1 + interest rate due on each payment, hitting the button x^y, and then entering the number of payments. Keep in mind that the number of payments is made negative here (multiplied by negative one). In our example, the calculation would go as follows (assuming a loan duration of 5 years or 60 months): Monthly Payment = (0.007 x $20000)/(1-(1+ 0.007)^-60 Monthly payment = $140/(1-(1.007)^-60) Monthly payment = $140/(1-0.658) Monthly payment = $140/0.342 Monthly payment = $409.36 (this number may be off by a few cents due to rounding) This is done by simply dividing your principal amount by the duration of your loan in months. For our example, this would be $20,000/60 months = $333.33/month In our example, this would be $409.36 - $333.33. This equals roughly $76. So, with this loan agreement, you would be spending $76 per month in interest payments alone.
Summary: Save time by using an online calculator. Find your interest rate due on each payment. Multiply your monthly percentage rate times your principal. Input this number into the monthly payment formula. Calculate the amount of principal paid each month. Subtract your principal paid each month from your monthly payment.

In one sentence, describe what the following article is about: Having company can make a long car ride into a memorable bonding experience. You can talk to your friends, play games with them, sing songs and even have deep and heart-felt conversations with them on the road. If you're driving, you can divide the drive into shifts and delegate shifts to friends or family members who can drive. Driving for shorter time periods can prevent accidents from happening if you get tired and it can make the whole journey go faster and smoother. Driving alone might mean you will have to stop frequently to rest. Choose your companions wisely. A long drive can be fun with the right kind of people, while it can be torturous with the wrong kind. Choose reliable friends who will be willing to help you out during a long drive. Check with your other companions, especially if you're travelling with family or parents, if inviting others to the trip is okay. It's very important every gets along for the whole ride. Bring CDs, upload music onto your music device, and create a playlist of songs. Choose: Songs you can sing along to. Belting out notes can make listening to music into a performance. Movie soundtracks or Broadway musical songs are great song choices that you can be fun to sing along with. Songs with an upbeat tune. If you're driving, you'll probably be tired and you don't want to lose control of the wheel. Choose upbeat songs to keep you awake and feeling fresh. A lot of songs. If the ride is long, running out of songs and having to replay them can make music become boring. You can calculate how long the ride will be and try to bring enough songs to last the ride. You can find many interesting books or podcasts to listen to while on the road. This is helpful if you'd like to read in the car but you're the one driving or you easily get carsick doing so. There are a variety of genres of podcasts to listen to. Some podcasts are comedic, some are creative, and some are educational. They can last anywhere from 5 minutes to 2 hours long. Audiobooks give a dramatic feel to conventional book-reading. Some books have different narrators and styles of narration. Sample each narrator to find one that you like the best. If you want your kids to keep entertained by watching videos offline on YouTube, download the videos they want before the trip. Don't wait for the last minute! A long car ride is a perfect environment to learn a new skill, language, or subject. Bring along audio lessons, textbook materials, and supplies to take notes. If you're travelling in a bus or in a car with internet connection, you can even do research online with a laptop or on your smartphone. If you have homework or paperwork to complete, a car ride provides you with ample time to finish these tasks. One of the easiest ways to pass time is to sleep. Wear comfortable clothes or change into your pyjamas to create a comfy environment to lull yourself to sleep. Bring a neck pillow to help support your head. It can get uncomfortable sleeping while sitting up in a car. A neck pillow can prevent you from getting neck cramps and protect your head from hitting the window while driving on a bumpy road. Listen to relaxing music if you're having trouble sleeping. iPads, tablets, portable DVD players, laptops, and portable game consoles can be very entertaining, especially if you load them up with games and movies. Remember to bring each device's chargers. Purchase or bring a car charger to charge your devices while in the car. A good, long book should occupy you for a while. Just look up every now and then to stop yourself from feeling sick. Bring multiple books in case you finish one or you feel like reading another book. Bring books about your destination. By the time you arrive, you'll be an expert and can point out the best places to eat, shop, and find entertainment.
Summary: Invite your family or friends along for the ride. Load up on music. Download songs, podcasts, videos and others. Bring along educational materials. Pack some comfortable clothes, a blanket, and a pillow in the car. Bring electronics to keep you busy. Find an interesting book to read.

In one sentence, describe what the following article is about: This can be a real challenge when abroad. Crew. Not only does having a few trustworthy people helping you on your project make it easier they can also keep an eye out for your equipment Keep your equipment in sight and in a bag. Storing your equipment safely can be a real challenge, especially if you want to leave it somewhere while you go travelling. Your best options are to leave it at the airport, this is probably the safest option but it is expensive several quid a day and usually limited to a month. Expensive hotels are another option. The best and cheapest option is if you know someone over there leave it at there house. make your expensive equipment less obvious such as using old and decrepit bags and covering it with a cheap local plastic bag.
Summary:
Keep all property safe and secure, no matter where you are. Sight. Storing. Disguise.