Problem: Article: Turn on the faucet and wait for the water to heat up to a comfortable temperature before lowering the stopper. You want it to be warm to the touch, but not too hot. Run enough water to completely submerge the shirt you want to stretch. Overheating polyester and similar synthetics, even in water, could cause them to warp or lose their shape for good. A good rule of thumb is to use about 1 tablespoon (15mL) of conditioner for every 1 quart (0.95L) of water. Pour the conditioner directly into the water, then whisk the water gently with your hand until the conditioner is evenly distributed throughout. Conditioner can be useful for softening clothing fibers, just as it's useful for softening hair. If you're fresh out of conditioner, you can also use an equal quantity of a gentle moisturizing shampoo. Baby shampoo is a good choice. Push the shirt down beneath the surface of the water to make sure that it's thoroughly saturated. Set a timer for at least 15 minutes. As the shirt sits, the combination of warm water and conditioner will encourage the tense threads to relax and lengthen. After about half an hour, the water will have mostly cooled down and won't have as much of an effect. Pull up the stopper and allow the water to drain out of the sink. Then, grab your shirt and press, squeeze, and twist it to coax out any lingering moisture. By the time you're done, your shirt should be slightly damp, but not wet. Don't be afraid to get rough with 100% polyester shirtsall that force will also serve to loosen up the stubborn fibers. Avoid wringing or twisting blended garments that contain cotton or wool. Natural fabrics are less resilient, and doing so could stretch them out permanently. Take hold of the edges of the garment and tug on them to stress the fabric in every direction. For an even greater stretch, you can also slip both hands inside the torso or sleeves and push the material apart from within. Basically, imagine that the shirt is a ball of pizza dough and you're whipping up a family-sized pie. Just don't toss it into the ceiling fan! Pay particular attention to any parts of the shirt that fit too snugly, like the chest, shoulders, neckline, or bottom hem. If you start to get tired, look for other creative ways to loosen up your shirt. You might wrap the whole garment around a post, swing it around like nunchucks, or stand on one end and pull the other end up towards you. Once you're satisfied with the shape of your shirt, smooth it out nice and flat and set books or other flat, heavy objects along the edges. This will help the fibers retain their new shape while drying rather than shrinking the way they normally would. Lay your shirt out on a towel to absorb any remaining moisture and cut down on its overall drying time. Polyester dries fairly quickly, so you shouldn't have to wait long. Garments made from blended fabrics may take a little longer. Once the shirt feels dry, put it on and see if you can feel a difference in the fit! It may keep its new shape for a few hours if it's pure polyester, or until the next time you wash it if it's a blend. If you prefer, you can also try hanging your shirt up on a shower curtain or towel rack as it driesweight and gravity will help keep the damp fabric elongated. You'll get the best results when working with blended fabrics, as natural fibers tend to stretch more easily and stay stretched out longer.
Summary: Fill your sink or a similar container with warm water. Add a small amount of hair conditioner to the water. Soak your shirt in the water for 15-30 minutes. Remove the shirt and wring out as much water as possible. Stretch your shirt to the desired fit by hand. Use a few heavy items to keep your shirt stretched out as it dries. Allow your shirt to air dry before wearing it.

In one sentence, describe what the following article is about: When you borrow money from a bank or other lender to make a large purchase such as a house or a new car, you borrow a specific total amount. This amount will be listed on your loan documents. As an example, assume you are borrowing $150,000 to buy a house, or $30,000 to buy a car. Your loan term is the length of time you'll be paying back your loan. For mortgages, the term typically is 30 years, although terms anywhere between 15 and 40 years are not uncommon. For vehicle purchases, loan terms typically run anywhere from 3 to 6 years. Keep in mind that although loan terms usually are discussed in terms of years, they are calculated in months. For example, if you had a 30-year mortgage, your loan term would be 360 months. For a 5-year vehicle loan, the loan term would be 60 months. The interest on a loan is the amount it costs you to borrow the money, expressed as a percentage of the borrowed amount. The interest rate you are offered will depend on your credit history, the type of loan, and the amount of money you're borrowing. In most cases, your interest rate will not change once the loan term starts. However, it may increase after a few years if you've taken out an adjustable-rate loan. Generally, you'll have either simple interest or compound interest. With simple interest, the interest is calculated solely on the outstanding principal amount. However, with compound interest, the interest rate is applied to both the outstanding principal and the outstanding interest owed. For the purposes of the examples, assume the interest rate on the 30-year home mortgage is a fixed rate of 4.5 percent, while the interest rate on the car loan is 5.25 percent. The total repayment consists of how much it will cost you to pay back your loan over the full loan term, including principal, interest, and any fees. The total repayment figure assumes that you make all payments on time. Keep in mind that your annual interest rate does not reflect the cost of origination or other fees that your lender may charge to service your loan. However, your loan documents may include a figure described as the "effective APR." This amount is the annual interest rate plus any fees. While traditional lenders are required by law to disclose the APR to you, lenders outside the traditional sphere are not. If you're using an alternative lender, make sure you total all the fees and find the APR. You can use APR calculators online for this purpose. While not all fees are financed, all finance fees are included in the APR calculation. Therefore, you should not use APR when calculating an amortization, you should use the note rate (interest rate) calculated based on the total loan amount, which might include some financed fees.
Summary:
Determine the total amount of your loan. Find the loan term. Calculate your interest. Establish your total repayment.