Problem: Article: If refinancing isn't an option, you may be eligible for pre-paying your loan. Pre-payment, also called early loan payoff, simply means that you pay off your debt before the agreed-upon end date of an existing loan. The benefit of pre-paying your loan is that you're not subjected to the monthly finance charges you would otherwise be paying on your loan, but for that reason many lenders charge a pre-payment penalty or fee. The terms of your existing loan should specify whether there is any pre-payment or early loan payoff penalty, but if you're unsure you can always consult with your lender. If your lender permits you to make pre-payments on your loan, there may be a special process for making those payments. These payments are sometimes referred to as principal-only payments, and it's important to specify to your lender that you intend for that payment to be applied to the principal loan, not the finance charges for upcoming months. Each lender's process may be different, so it's best to call or email the lender's customer service department and ask what you need to do to make a principal-only payment towards your loan. There are many early loan payoff "calculators" available online, but all of them factor in the same basic information to determine how much you will need to pay in order to payoff your loan early: the total number of months in your existing loan term the number of months remaining on your existing loan the amount your existing loan was for the monthly payments remaining on your loan the current annual interest rate (APR) on your existing loan
Summary: Learn whether you're able to pre-pay your loan. Learn the pre-payment process for your lender. Calculate your early loan payoff amount.

INPUT ARTICLE: Article: Some high end scopes allow you to adjust a third variable in the scope: the parallax. Parallax is the movement of the target as it relates to the reticle in your field of vision when you move your eye away from the center of the eye piece. An issue with your parallax may cause the target and the reticle to appear to be on different optical planes. For many years, nearly all scopes came with an established and non-adjustable parallax because it is uncommon to need to adjust it and fairly difficult to understand. Under most circumstances, you will not need to adjust the parallax. To adjust the parallax (if you have the necessary knob) try the following: Look at the target through your scope and ensure the reticle is completely visible and clear. Move your head up, down and to either side as you adjust the parallax knob slightly. Continue to adjust the knob until the reticle no longer seems to move in relation to the target.

SUMMARY: Adjust the parallax if need be.

In one sentence, describe what the following article is about: Find the rod attached to a ball that floats on the top of the water and controls the intake of water from the pipes into the tank. This is the floating arm. If you lift up on the arm and the water stops, then your problem is that the water in the tank isn't coming up high enough to turn off and the pipes are getting the message that more water needs to come in, so the toilet runs constantly, or often. A running toilet can cost a fortune in wasted water. While it may seem like a minor inconvenience, a running toilet is a serious and usually easily fixable problem. Sometimes, the floating arm will be bent so the ball will rub or catch on the side of the tank or the tank ball arm. Flush the toilet and see if the arm catches on anything. If it does, just bend the arm gently so it floats freely and can rise to the level it needs to. Sometimes, water will get trapped in the ball, weighing it down and keeping the water from rising as it should. If this happens, dump the water out and replace the ball by screwing it back on. If the ball is cracked or otherwise damaged and allows water in freely, replace it with a new one. If lifting up on the arm doesn't halt the running water and adjusting the floating arm doesn't seem to help, the problem is probably with the flapper assembly, which creates the seal at the bottom of the tank leading to the bowl and connects to the toilet handle by a rod. Shut off the water and flush the toilet to empty the tank of water. Examine the flapper for signs of wear or corrosion. If you find build-up from the water or other gunk, scour it off with a kitchen pad or a pocketknife and see if you can get the flapper to create a good seal. Also check the opening for the same corrosion issues and clean it. If water still gets through the opening, examine the wire rod that connects to the toilet handle and make sure it's aligned and allowing the flapper to fall freely and plug the hole. Like the floating rod, you should be able to bend it back into place relatively gently, or replace it with a new one. Some are connected with a chain that can become tangled or loose and may need replaced as well. If none of this seems to stop the toilet from running, you'll probably need to replace the ballcock assembly.
Summary:
Remove the top of the tank and lift up the floating arm. Check the floating arm for misalignment. If it doesn't seem to be caught on anything, unscrew the ball from the arm by twisting it counter-clockwise. Check the flapper seal.