Now you know the subtraction method of solving division problems, and the twos' complement method of solving subtraction problems. You can combine this into one method for solving division problems, using the steps below. If you like, you can try to figure it yourself before you continue. Let's go through the problem 100011 000101. The first step is solving 100011 - 000101, using the twos' complement method to turn it into an addition problem: Twos' complement of 000101 = 111010 + 1 = 111011 100011 + 111011 = 1011110 Discard carry bit 011110 In a computer program, this is the point where you increment the quotient by one. On paper, make a note somewhere in a corner where it won't get confused with your other work. We've successfully subtracted one time, so the quotient so far is 1. The result of our last calculation is the remainder left over after the divisor "went in" once. Continue adding the twos' complement of the divisor each time and discarding the carry bit. Add one to the quotient each time, repeating until you get a remainder that's equal to or smaller than your divisor: 011110 + 111011 = 1011001 011001 (quotient 1+1=10) 011001 + 111011 = 1010100 010100 (quotient 10+1=11) 010100 + 111011 = 1001111 001111 (11+1=100) 001111 + 111011 = 1001010 001010 (100+1=101) 001010 + 111011 = 10000101 0000101 (101+1=110) 0000101 + 111011 = 1000000 000000 (110+1=111) 0 is smaller than 101, so we stop here. The quotient 111 is the answer to the division problem. The remainder is the final result of our subtraction problem, in this case 0 (no remainder).
++++++++++
One-sentence summary -- Combine the two concepts above. Subtract the divisor from the dividend, by adding twos' complement. Add one to the quotient. Repeat by subtracting the divisor from the remainder.

If you can still grip the screw head with a screwdriver, try one last time to remove it by hand. Follow these instructions first to maximize your chances: If the screw is fastened to metal, spray on penetrating oil, such as WD40, and let sit at least fifteen minutes. Use the largest manual screwdriver that fits your screw. If possible, grip the screwdriver handle with a wrench to get more leverage. If the screwdriver keeps slipping out of the stripped hole, cover it with a small piece of material that gives extra grip. Press this into the hold with the screwdriver and try again. Here are some options: Wide rubber band, cut to form one band A piece of steel wool A piece of green abrasive from a kitchen sponge Duct tape, with the adhesive side against the screw head Tap the screwdriver in gently to avoid breaking the screw head. Skip this step if you are working with a fragile object. This is a good option when a Philips head screw is stripped. You can also take a square #1 drill bit and hammer it into the screw head. Do this until it penetrates into the stripped Philips head screw. Place your palm against the end of the screwdriver, with your arm directly behind it. Press directly down into the screw with your full forearm as you rotate the screwdriver. If the tool you are using is slipping, stop using it immediately. Further slippage will only continue to wear down the screw head and make it harder to remove. Definitely be sure you are going in the correct direction for removal, which is usually--but not always--counterclockwise ("lefty loosey, righty tighty"). Pressing down hard as you are unscrewing will help prevent slippage. If you can heat the screw without damaging the object the screw is attached to, this will often loosen the threads. Apply a heat gun or propane torch to the screw, moving it constantly to avoid overheating. Once it is hot enough to sizzle a drop of water, let the screw cool, then try again. This works especially well if the screw has been set in place with a bonding agent. If your screwdriver still can't get a good grip, cut a notch into the screw head. Insert a flat-head screwdriver and attempt to turn the screw. You can combine this with any of the approaches above.
++++++++++
One-sentence summary -- Maximize the grip strength. Add material for extra grip. Tap the screwdriver into place with a hammer. Push down hard as you rotate. Heat the area. Cut a flat-head notch with a dremel or hacksaw.

The amount you borrow is referred to as the principal amount. Your principal amount has several components. The formula for the principal amount of your car loan is (Purchase price) (rebates) (cash down payment) (trade in value). A car purchase will also include fees and sales tax. Those two amounts are typically included in the principal amount. A rebate is a fixed amount of money paid to the buyer for the purchase of a particular vehicle. Rebates serve as an incentive to make the purchase. In most cases, the purchaser uses the rebate to reduce the principal amount of the loan. A cash down payment is paid by the purchaser. You may also trade in a vehicle- usually the car you are replacing. A trade in is something you sell as partial payment for something new. In this case, the value of the car you trade in reduces the purchase price on the new vehicle. Assume you're buying a car for $20,000. The manufacturer provides a $2,000 rebate. You pay $3,000 as a down payment, and trade in a car valued at $5,000. The principal amount of your loan is $20,000 - $2,000 - $3,000 - $5,000, or $10,000. The loan term is the period of time that the loan will be outstanding. Most new car loans have a term of six years. The longer the term, the more interest you will pay on the principal balance. The interest rate will be stated in your loan agreement. For car loans, the interest rate is commonly referred to as the Annual Percentage Rate, or APR. Your interest rate multiplied by the outstanding principal amount is the interest you owe for a particular period of time. Assume that your principal amount is $10,000. Your annual interest rate is 6%. You want to calculate the interest you owe for the month. Your interest rate for one month, also known as your monthly interest rate, is (6%/12 = 0.5%).
++++++++++
One-sentence summary --
Understand the amount you are borrowing. Determine the term of your loan. Compute the interest owed on the loan.