Article: Determine what size objects and how much weight you will carry to school. Also think about what sorts of pockets you will need. College students will have different needs from those of first-graders. Some things to keep in mind include: Do you need a compartment for your computer? Do you need a place to put your lunch? Do you need places to put pens, keys, or other small objects? Do you want water bottle holders or mobile phone pockets? How many binders, notebooks, and books will you need to carry at once? The fabric a backpack is made of will determine its weight, breathability, and durability. New synthetic fabrics will last longest, but leather ages with more character. Synthetic fabrics are lighter-weight than leather. If you choose a leather bag it will be much heavier even before you begin to load it. Synthetic fabrics like polyester and nylon are more water-resistant than natural fibers like cotton. Natural fibers like hemp are more environmentally sustainable than synthetics. If you care about having an eco-friendly bag choose a natural fiber. Look closely at the closures for the pockets and make sure they are sturdy and easy to close. Choose double-headed zippers for easiest access. Look for heavy-duty zippers that will hold up over time. Style is an important feature of a school backpack. You will want a bag that looks good and is also similar to backpacks that are currently in style. Prints are fashionable right now, but consider solid colors too because you will wear the bag every day and it has to match a lot of outfits. About half of the backpacks sold by one of the biggest companies, Jansport, are black. If you want a sleek, timeless bag that will fit in with the crowd you can't go wrong with a black backpack. Try an eco-friendly bag. Backpacks made from recycled or sustainable materials are very trendy.
Question: What is a summary of what this article is about?
Consider size and pockets. Choose a fabric. Check the zippers. Consider current fashions.
Article: While amortization math is fairly complex, you should at least get a handle on it so you understand how the calculations work. However, you don't have to do every calculation by hand you can use an online calculator. To start, you'll need the following figures: the initial principal or amount of the loan, the interest rate per period, and the total number of payments or periods. Add one (1) to the interest rate to period, then raise this sum to the power of the total number of payments or periods. Multiply this figure by the interest rate per period, and place this number on the top of a division symbol. On the bottom of the division symbol, take the figure you got when you added one (1) to the interest rate and raised it to the power of the number of payments, then subtract one (1). Complete the division and multiply that amount by the initial principal to find the payment amount per period. There are many independent financial websites that have amortization calculators available. Banks and other lenders also often have these calculators available on their sites. If your lender has a calculator available on its website, you may want to use that one as opposed to one offered elsewhere. Not that there's going to be much, if any, difference in the calculation, but using your lender's calculator gives you a little more ground to stand on if you find a difference between the monthly payment you calculated and the one your lender calculated. Online financial calculators provide spaces for you to enter the total amount of the loan, the term of the loan, and the annual interest rate. There also may be places for you to describe the type of interest or enter any fees. Once you've provided the necessary information about your loan, the calculator will provide you with the amount of your monthly payments so you don't have to do all that math by hand. Keep in mind that amount you calculate may be different from your actual monthly payment if your lender charges fees that you left out of the calculations. For example, if you have a $150,000 mortgage with an annual interest rate of 4.5 percent and a loan term of 360 months (30 years), your monthly payment would be $842.50. If you have a car loan for $30,000 with an annual interest rate of 5.25 percent and a loan term of 60 months (5 years), your monthly payment would be $569.58.
Question: What is a summary of what this article is about?
Learn the monthly payment formula. Find an online financial calculator. Enter the terms of your loan. Determine your monthly payments.
Article: Separate out the stems and seeds if necessary, and use a grinder or chop up the buds with a sharp knife until they're finely chopped, but not completely powdered. Use scissors to cut off the top of the bag, then empty the contents. Spoon the ground marijuana into the bag, then fold it over several times to keep the marijuana from spilling out. If you have a metal tea ball, you can use that instead. Or use a coffee filter: place the marijuana in the center of the filter, then gather the edges and tie it up to make a little bag. Add a second regular teabag if you want to enhance the flavor. Earl Grey, Irish breakfast, or flavored herbal teas all taste great. You can do it either on the stove or in the microwave. The longer it steeps, the deeper the flavor of the tea will be. Stir in sugar, honey or milk to taste. Note: Plain marijuana tea has a nice herbal flavor but will not produce a high since it's necessary to extract the THC using fat to get the full effect. If you want potent marijuana tea, use a different method.
Question: What is a summary of what this article is about?
Grind the marijuana buds. Empty a tea bag and fill it with the marijuana. Put the tea bag in a coffee mug. Boil a cup of hot water. Pour the water into the mug and let the tea steep for three to five minutes. Remove the tea bags and drink the tea.