Why are you living on $20,000 or less, and how do you want to change things? Maybe you want to go on vacation, buy a car, move to a new city, save for school, etc. If you have a tangible reason to save money, it will be much easier not to blow it on a new video game. Give yourself an exciting financial goal and saving will be much more doable no matter what your budget is. Living off of $20,000 a year or less is very hard in NYC or San Francisco, though not impossible. Your dollars go a lot further in smaller towns, rural areas, and inland cities. While your salary or income might not be changing, you can change its relative value by moving to a city where everything costs less. Search online for "Cost of Living Comparisons," which provide up-to-date information on prices across the country. Aim for rent to be no higher than $600, and much less when possible. This is a good financial cap for a $20,000 a year job. Spending just $3 on coffee every day quickly adds up to $90 a month, or at least 5% of your total yearly income. Cigarettes will get even more expensive. At the end of the day, saving money and budgeting requires sacrifices -- you should find a way to cut out these needless expenses. Even cutting these habits in half can make a big difference and is a great starting point. Find alternative, cheaper habits whenever possible. Whenever you get an urge (smoking), fill in your new habit (taking a walk around the block) as a replacement. Credit cards aren't free-- they come with interest rates that will gouge your paycheck if you let them run rampant. Managing your money wisely means using your credit cards wisely-- as extensions of your well-planned budget. Some things to remember: Know your rates and how they can change. If confused, call your bank and make sure you understand your terms and interest. Pay more than the monthly minimum whenever possible, as this decreases later interest payments. Stay within 30-40% of your credit card limit. You never want to be reaching your limit, as the interest will become exponentially worse. Staying at our below 20% is a good benchmark for cautious spenders. A debit card can be dangerous -- you keep spending without seeing the money leave. If you struggle to hit a budget, take all the expense money out at the beginning of the month and put it into envelopes -- food, gas, rent, utilities, fun, etc. This ensures you only spend the money where it was meant to be spent. Many financial advisers even suggest going further, saving for at least 9-12 months, but 3 is the bare minimum. You need to be financially prepared in case of emergencies. Remember, also, that this money should only be spent in emergencies. Multiply your monthly essential & fixed expenses by 3 or 6 months to get a good number for savings.
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One-sentence summary -- Give yourself a savings goal, something to strive for instead of spending money. Try to live in a lower-cost area or city. Cut down on addictive and needless habits like smoking, coffee, and sweets. Use credit cards very sparingly, making sure you can pay off in full each month. Take cash out from the bank, separating it into envelopes for each expense if you struggle to budget. Ensure you have 3-6 months living expenses saved at all times.

Q: Characteristics should include weights, grades and measurements of components. The color grade of the gemstone should be determined by using comparison gemstones. If any atypical treatments were conducted on your gemstone or if your gemstone is untreated, this should be noted on the appraisal. The value depends on whether you want to insure your jewelry for its actual cash value, its replacement value or its agreed value. Cash value is the value of your jewelry at today's market rate, not at the purchase price. Replacement value means the insurer will pay you a specific amount according to its current market value at the time of the loss. Agreed value means that you and your insurer settle on a specific value that you will receive in the event of a loss. If your appraisal is for an insurer, then your appraiser should use one of the following forms from the Jewelry Insurance Standards Organization: JISO 805Jewelry Sales Receipt for Insurance Purposes. This form is used when you are purchasing jewelry and can be completed by the retailer who sold the jewelry to you. JISO 806Jewelry Document for Insurance Purposes. This form is used when you're obtaining a second appraisal. JISO 78Jewelry Insurance AppraisalSingle Item. This form must be completed by a Certified Insurance Appraiser and is a highly detailed description of the item. JISO 79Jewelry Insurance AppraisalMultiple Items. This form is also completed by a Certified Insurance Appraiser and is used for the valuation of multiple items of jewelry.
A: Look for a description of all characteristics of the piece. Expect notes on gemstone treatment. Watch for a statement of whether the gemstone is natural or synthetic. Expect notes on the type of setting. Look for an appraisal of the jewelry's value. Expect the appraisal to include a photograph of the gem. Make sure that your jeweler uses the proper forms.

Article: Sweating is a completely normal process and an important way your body maintains a consistent temperature. However, if you find that you sweat much more often than seems appropriate, you may have hyperhidrosis. Hyperhidrosis causes sweating in the absence of physical activity or stress. Sweating when your body is not actively trying to regulate your body temperature is the number one symptom of hyperhidrosis. A common sign that a person suffers from hyperhidrosis is when excessive sweating begins to cause problems in your everyday life. Many people with hyperhidrosis struggle with the issue on a daily basis. If you find yourself needing to change your clothes throughout the day in order to hide your excessive sweating, you may suffer from hyperhidrosis. Having to do things like stuffing napkins under your arms or excusing yourself to the bathroom to wipe off excess sweat in comfortable environments is not common and may be a sign of hyperhidrosis. Primary hyperhidrosis is excess sweating that exists independently from any other medical condition. If your body simply sweats to excess, you likely have primary hyperhidrosis. Secondary hyperhidrosis occurs when your body is sweating excessively as a result of, or as a symptom of, another medical condition. Primary hyperhidrosis often affects certain areas of the body that are referred to as "focal points" like armpits or hands. Secondary hyperhidrosis is often more generalized. A common example of secondary hyperhidrosis is excessive night sweating from your entire body. It is important to determine if you are suffering from primary or secondary hyperhidrosis in order to effectively treat the condition. You should make an appointment with your doctor to discuss your circumstances, but there are some questions you can ask yourself to help you identify which form of hyperhidrosis you seem to be suffering. If you meet any two of the following criteria, you likely have primary hyperhidrosis. If not, your sweating issues are likely secondary in nature. Your sweating is fairly symmetrical (you sweat the same from each side of your body). You experience at least one episode of excessive sweating per week. Your excess sweating impairs your regular activities. Your issues with excess sweating began before the age of 25. Primary hyperhidrosis runs in your family. You do not have excessive sweat issues when you are sleeping. If you are taking an inventory of your excessive sweating symptoms and you notice some common warning signs of a significant medical issue, seek medical attention as quickly as you can. Seek medical attention if you have a fever that reaches 104F (40C) or higher. If you experience shortness of breath, lightheadedness, or chest pain, seek treatment immediately.
Question: What is a summary of what this article is about?
Look for abnormal sweating. Take note if your sweating affects you socially. Identify primary and secondary hyperhidrosis. Determine which form of hyperhidrosis you have. Seek immediate medical attention if necessary.