Problem: Article: A forward contract is an agreement between a buyer and a seller to deliver a commodity on a future date for a specified price. The value of the commodity on that future date is calculated using rational assumptions about rates of exchange. Farmers use forward contracts to eliminate risk for falling grain prices. Forward contracts are also used in transactions using foreign exchange in an effort to reduce the risk of losses due to changes in the exchange rates. A derivative is a security with a price that is based upon, or derived, from something else. Forward contracts are considered derivative financial instruments because the future value of the commodity is derived from other information about the commodity. The future value of the commodity for the forward contract is derived from the current market value, or spot price, and the risk-free rate of return. In investing, hedging means minimizing risk. In forward contracts, buyers and sellers attempt to minimize risk of losses by locking in prices for commodities in advance. Buyers lock in a price in hopes that they will end up paying less than the current market value of a commodity. Sellers hedge their risks with forward contracts in an attempt to protect themselves from falling prices.
Summary: Understand the definition of a forward contract. Learn the meaning of derivatives. Learn the meaning of hedging.

Problem: Article: The children in the orphanage are all available for adoption. It's the second option in the dialogue box, though you can also select first the "Tell me about yourself" option to hear the child's story. The child will express excitement, after which you can head back to the home you chose earlier when speaking to Constance Michel. The child will be there when you arrive. You can adopt up to two children. They will always be there when you return. You won't have to feed them or worry about them being killed by NPCs, since your children can't die. Children whose parents are killed by the player or by other NPCs will eventually appear in the Honorhall Orphanage. Adoptable children are as follows:
Summary: Find a child whom you wish to adopt and speak to them. Select the "I can adopt you, if you want." option. Select the "Yes I'm sure...daughter/son." Interact with your children by visiting your house. Consider adopting a child from a dead NPC.

Problem: Article: You need to know exactly what you want to happen when you have the conversation. Do you want to go to a dance? Do you want a later curfew? Do you want to go out to a special dinner with your parents? Think about what you want from the conversation. It can even help to write it down. Make sure you have all the important details. Having details will help you answer questions. Answering questions will calm your parents down. For instance, if you want to spend the night at friend's house, you'll need to know if her parents will be there, when the night will start, what you'll need to bring, and when your parents can pick you up. It also might help to have a phone number for your friend's parents. That way, your parents can call her parents. You don't want to talk when your parents are busy. Pick a time when they have a moment to sit down with you. It should be a time when you can have their full attention. If you can't figure out a time, ask your parents when a good time would be. If you keep trying to draw it out, you're just going to get more nervous. As soon as you get your parents together, just begin what you have to say. For instance, you could start by saying, "I have something I want to discuss with you, and I hope you will keep an open mind. I'd like to go to the dance this Saturday night." If you absolutely can't get it out right away, it's okay to start the conversation with something else, as long as you get to the point eventually. A good way to convince someone to do something is to tell the person what good it will do them.Think about how your parents will benefit from what you are doing, and bring that up. As an example, if you're trying to get your parents to let you go out for a night, you could say, "As an added bonus, you'd get the house all to yourself!" Another example is if you're trying to get your parents to eat out somewhere, mention their favorite dishes. If you try to lie or give a half truth, your parents may not trust you in the future if they find out. Plus, they know you pretty well, so they can probably tell when you're lying. That is, you might have a tendency to blame your parents. Most people do in serious conversations. However, you should try to stick to what you're feeling or thinking, not what you blame your parents for. In other words, use "I" instead of "you." Say, "I feel upset when I can't go out when my friends do," not "You're awful for not letting me go out with my friends." The second one puts your parents on their guard, while the first one just expresses what you're feeling. If you can, have details to back up what you say. As noted in the previous section, having details about where you're going is important. But it's equally important to have details in other conversations, too. Having someone with more authority than you, such as one of your friend's parents, a teacher, or a researcher through an article, to back you up can help persuade your parents. For instance, if you're trying to convince your parents that you should be in the band, you could have research articles stating how music can help you do better in math. You could say, "As this research shows, being in band can help me do better in math. I'll let you have these pages so you can read up on it." If you are trying to get your parents to do something they don't want to do, then hearing why may help you. Your parents may have good points to bring up about the problem. In turn, you may be able to deal with those problems by finding solutions. It's important that you approach your parents politely. Getting angry or upset will not help you convince them of anything. In fact, it makes you seem immature.
Summary: Decide what you want your parents to do. Write down what you want to say. Pick a good time and place. Begin talking. Let them know what's in it for them. Speak the truth. Talk about yourself. Back up what you say. Hear your parents out. Be civil.

Problem: Article: With the shemagh completely open, match one corner with the corner diagonally opposite from it, folding the square in half and into a triangle. This style is not necessarily the most practical, nor is it especially traditional, but it can be a casual and trendy way to wear a shemagh. The folded edge of the shemagh should cover your nose and mouth. Two corners should appear on either side of your face, and the other corner should drape down in front of your face and over the top part of your neck and chest.
Summary:
Fold the shemagh into a triangle. Wrap the fabric over the lower half of your face.