Problem: Article: Light or dark brown leather is the most common and traditional boat shoe material. Brown boat shoes are a great choice because they pair well with a variety of outfitssuch as jeans and a T-shirt or a button-up and shorts. Plus, this color shows the least amount of stains. Navy blue shoes are another good option for boat shoes because they are also fairly diverse. They especially pair well with a nautical beachy looklike a striped shirt and white pants. Or, you could wear them with a sundress for a more feminine look. White boat shoes are also an option for a nautical look, but they are harder to keep clean than navy blue shoes. Boat shoes come in all kinds of different colors and designs. You could choose brightly colored choose as a way to accent your outfit, or as a way to be comfortable, yet unconventional. For example, match red boat shoes with a pair of jeans and a white or red polo. You can also wear boat shoes that have a pattern, such as polka dots or stripes. Boat shoes are meant to be comfortable, so it is important that they fit correctly. When you stand, there should be a .5 inches (1.3cm) of space between your big toe and the tip of the shoe. The ball of your foot should fit comfortably and securely into the middle portion of the shoe.
Summary: Choose brown leather for a diverse and classic look. Try navy blue shoes for a nautical look. Go for brightly colored shoes for an unconventional look. Pick a shoe that fits comfortably.

Problem: Article: Discounted cash flow (DCF) calculations are used to adjust the value of money received in the future. In order to calculate DCFs, you will need to identify a situation in which money will be received at a later date or dates in one or more installments. DCFs are commonly used for things like investments in securities or companies that will provide cash flows over a number of years. Alternately, a business might use DCFs to estimate the return from an investment in production equipment, for example. In order to calculate DCFs, you will need a definable set of future cash flows and know the date(s) that you will receive those cash flows. To calculate the present value of future cash flows, you will first need to know their future values. With fixed payments like annuities or bond coupon payments, these cash flows are set in stone; however, with cash flows from company operations or project returns you will need to estimate future cash flows, which is an entire calculation in itself. While it may seem that you could just project current growth trends over the next set of years, the proper calculation of future cash flows will involve much more. For example, you might include industry trends, market conditions, and operational developments in cash flow projections for a company. Even then it may not be even close to accurate when the cash flows actually arrive. For simplicity, though, let's say you are considering an investment that will return you a set amount at the end each year for three years. Specifically, you will receive $1,000 the first year, $2,000 the second year, and $3,000 the third year. The investment costs $5,000 to buy, and you want to know if it is a good investment based on the present value of the money you will receive. The discount rate is used to "discount" the future cash flow value back to its present value. The discount rate, sometimes also called the personal rate of return, represents the amount that is "lost" each year due to inflation and missed investment opportunities. You might choose to use the return on a safe investment, plus a risk premium. For example, imagine that instead of investing in the investment providing future cash flows, you could invest your money in treasuries earning a guaranteed return of 2 percent per year. In addition, you expect to be compensated for taking the risk of loss of your money, say a risk premium of 7 percent. Your discount rate would be the sum of these two figures, which is 9 percent. This represents the rate of return you would earn by investing your money elsewhere, such as in the stock market. The only other variable you'll need once you have the discount rate and cash flow future values is the dates at which those cash flows will be received. This should be pretty self-explanatory if you've purchased an investment, have a set of structured payouts, or have created a model for a company's future cash flows; however, make sure to clearly record the cash flows with their associated years. Creating a chart may help you organize your ideas. For example, you might organize the example payouts as follows: Year 1: $1,000 Year 2: $2,000 Year 3: $3,000
Summary: Identify a situation in which you would need to discount cash flows. Determine the value of future cash flows. Calculate your discount rate. Figure out the number of compounding periods.

Problem: Article: If you don't know how to get into shape, read some fitness blogs about training. If you have never planned an event before, search online for an event planner, so that you can see how other people break the task down. There are thousands of experts on the Internet and at your local library. Use these resources to get a head start. You don't have to start from scratch if someone has already made a planner for you. Personalize to-do lists that you found to fit your desires and schedule. Aim small and do more as your motivation increases. Psychologically, it is better to tick off more boxes than let a box go unchecked for weeks. Try to stay motivated for 10 minutes at a time. Power working, instead of working in hour-long blocks can increase your drive and productivity. Devote 15 minutes to the project each day. Once you complete the 15 minutes, place a large "x" on a calendar day. With each day, week and month you accomplish your 15 minutes, it will be harder to break the chain. Just 15 minutes a day is enough to develop a good habit over the course of a few weeks or months. There are several dozen desktop app and device apps that make it more fun to check a box on a to-do list. Try apps like Evernote, Pocket, Clear, CheckMark or MindNode.
Summary: Do research to find examples. Break each month's goal into smaller goals. Make each "action item" require approximately eight to ten minutes. Try a "Don't break the chain" approach. Invest in a productivity app.

Problem: Article: One of the most common and immediate symptoms of smoking is the persistent smokers' cough. It can appear in as little as a few days after beginning smoking and can even be present with casual (not heavy) smoking. The cough is usually the worst in the morning and lessens throughout the day. It is usually accompanied by phlegm which can be clear, yellow, or even green. Smoking causes teeth to turn yellow over time, so be mindful of this if your child's teeth start to look more yellow. Also take notice if your child suddenly becomes interested in teeth whitening products like special whitening toothpaste or whitening strips. While yellowing teeth may take some time to appear, smoking cigarettes can cause yellow stains on your teen's fingers and fingernails almost immediately. A wheezing sound can indicate several different physical conditions in your child, but one of them is damaged airways/lungs from smoking. Shortness of breath is a tell-tale sign of a smoker. If your child is suddenly not able to be active for long periods of time or takes longer to catch their breath after physical activity, you should consider the possibility that they might be smoking. Smokers are more prone to getting certain respiratory diseases like colds, bronchitis, and pneumonia. If your child is suddenly getting sick more frequently with diseases like this, you might need to be concerned that these illnesses are the side effects of a new smoking habit.
Summary:
Watch out for the smokers' cough. Watch for yellowing teeth. Look for yellow stains on your child's fingers. Pay attention if your teen is wheezing. Notice any shortness of breath. Look for a higher frequency of respiratory diseases.