Problem: Write an article based on this summary: Include the date and the amount being borrowed, or the amount agreed on for the service or product. Include a due date for return of the funds. Include how much interest you will charge. Sign the document yourself. Make sure the other party signs the document. If possible, have a witness (optional).

Answer: How much did you loan out? When do you expect the borrower to pay you back? If multiple payments will be made, agree on specific dates for the payments. Especially if you're lending money to a friend or family member, it may seem a little extortionate to charge interest. But there are several good reasons why you may want to charge the person you're giving money to a little bit of interest: If you're giving away money without interest, you're losing money. You're losing purchasing power (the ability to buy and invest with the money you're lending) and inflation is outstripping your money. If you charge someone interest, the borrower may be more likely to pay you back quicker than had you not. Think about it: Interest lasts as long as the life of the loan, so if the borrower holds on to the money longer, they'll end up paying more interest. Don't charge more than 15% or 20%. In fact, interest rates above 15% or 20% might not even be allowed under predatory lending laws. So keep the interest rate at something manageable and both parties will be happy. Include your signature along with your legal name. Have them put down a signature along with a legal name. Although a witness does not make or break the IOU, it's helpful if you ever need to go to court. A witness might be able to prove a binding verbal contract took place.

Problem: Write an article based on this summary: Check the bites for breeding fleas. Visit your doctor. Treat bites with an antihistamine cream.

Answer: In most instances sand flea bites will consist of a small red spot, similar to a mosquito bite. In some cases, however, a female flea will burrow into the skin to hatch eggs. These can cause severe irritation and infection. The bite will look like a swollen area with a small black spot in the center. If you think you have a burrowing sand flea, you should visit the doctor to have the flea removed. After applying hydrocortisone cream or calamine lotion the symptoms should decrease. If this does not happen or if the symptoms worsen, then you should visit your doctor immediately. This could mean that the bites have become infected or that you are allergic to flea saliva. Your doctor may recommend that you treat the bites with a prescribed antihistamine cream. This cream will help reduce irritation caused by an allergic reaction to the flea bites. Follow the instructions provided by your doctor.

Problem: Write an article based on this summary: Select a jury. Deliver opening statements. Present evidence. Cross-examine witnesses. Deliver closing arguments. Await the verdict.

Answer: You will select jurors from the pool of available jurors called into court on any given day. To identify good jurors, the lawyers will ask them questions, in a process called "voir dire." You will want to identify jurors who are prejudiced against your case. Some jurors may fear that a large verdict for you will impact their ability to secure medical care. Your attorney can draw out prejudices by asking jurors if they or a family member have studied medicine, if they know of someone who has brought a medical malpractice suit, and whether they have had any particularly good or bad experiences with doctors or hospitals. Alternatively, you may present the case to the judge. In a normal trial, the judge decides questions of law and the jury decides facts. But you have the option of using the judge to determine the facts as well. One study showed that you are twice as likely to win a bench trial as a jury trial. Generally, both parties must agree to a bench trial. If one party requests a jury, then there typically is a jury trial. In the opening statement, your attorney highlights the evidence he will present. Opening statements are not evidence themselves. Rather, they provide a sneak peek as to what evidence will be presented. An effective opening statement will get to the point (fifteen minutes or less) but also tell a narrative. Your attorney should also disclose "bad facts" in the opening statement. A bad fact is anything the defense would want to bring to the jury's attention because it makes the defense case much stronger. For example, your failure to follow your doctor's prescribed treatment is a bad fact. By disclosing bad facts first, your attorney can take the sting out of them. As the plaintiff, you will present evidence first. You will call and examine witnesses and get records admitted into evidence. You will be called as a witness, to testify as to what you remember about the treatment you received from your doctor as well as about the injury you suffered. You will be limited to testifying about what you saw, heard, and physically felt. You cannot testify that you believe your doctor's treatment was negligent. Your attorney will also call an expert witness. The expert will testify as to what treatment a competent doctor would have given in the situation, and then she will compare your doctor's treatment to that standard. Unlike a lay witness, an expert may offer an opinion, i.e., that your doctor's treatment fell below the required standard of care. Your attorney will have the opportunity to cross-examine the defense's witnesses. Your attorney will try to impeach the witness with a prior inconsistent statement or otherwise try to show gaps in the witness's testimony. Your attorney will also question the defense expert witness. He will try to undermine the expert by questioning his credentials and by asking him about the fee he will be paid for testifying. Your lawyer may also try to impeach the expert through use of an expert treatise that contradicts the testimony given by the expert. The closing argument is your lawyer's chance to explain how the evidence presented should command a result in your favor. In a bench trial, the court will often request that the attorneys write briefs. These are legal arguments, which cite to the evidence presented as well as to the controlling legal authority. In a jury trial, the jury will retire for deliberations. In about half of all states, jury verdicts for civil trials do not have to be unanimous. Instead, a plaintiff can prevail if 10 out of 12 jurors decide for her.

Problem: Write an article based on this summary: Experiment with filters. Edit the photo. Upload it to all your feeds. Get in on trends. Make sure the setting is appropriate.

Answer:
Most people who take selfies also happen to have an app on their phones that can add interesting dimension through the use of color and light filters. Not every filter is right for every selfie, so play around with different options before settling on the best one. The simplest filters are "black and white" and "sepia." Even if you don't have an app installed on your phone, you probably have these features. Other popular filters include those that make the photo look vintage, creepy, romantic, or darker. Feel free to test them all out and see which ones go best with your photo. If you have photo editing software, you can also touch up any blemishes or flaws on the selfie before uploading it to a social media account. You can cut out parts of the background, resize the photo so it frames your face differently, change the way the light looks, and so on. Many of these edits can be made on your phone without using an app, but you might want to look into the dozens of apps available for this purpose. That said, you should use photo editing sparingly. If you cannot make your edits look completely natural, err on the side of caution and delete the changes rather than posting an obvious fake. Share your selfie on Facebook, Twitter, Snapchat, and Instagram for all your friends to see. In most cases you can add a caption to describe what's happening in the picture, but you might want to just let it speak for itself. When you upload a selfie, own it! Pretending that you were taking a picture of something else and your face just happened to be there, won't fool anyone, so be proud to show off your lovely face. Be aware that some people find selfies annoying, and you might draw some negative comments. If your online albums end up full of selfies, you might want to consider diversifying. Be sure to leave the types of comments you want to see on other people's selfies. The more "likes" and shares you give others, the more you'll get. Selfies have really taken off in the past few years, and it's fun to participate in selfie-related trends. What selfie trends are filling up your feed? Don't be shy about uploading some pictures of your own, too. Here are a few popular ones: Throwback Thursdays: Every Thursday, people post pictures of themselves from an earlier time. See if you can dig up a selfie from childhood, or simply post one from last week! From Where I Stand: This hashtag was created by people who wanted to share poignant shots from their own perspectives. Take a picture of your feet as you stand in a country you're visiting for the first time, on the beach, on a cracked city sidewalk or anywhere else you want to share. Feminist Selfie: This hashtag started trending on Twitter and really took off. It's about being proud to post your picture even if you aren't stereotypically gorgeous. Beauty comes in all shapes and sizes. Hair Smile: This one's all about showing off your hair. If you consider it to be your greatest asset, take a selfie featuring your hair instead of your smile. There are some places that should be completely off-limits to selfies, like funerals or the scene of an accident. Most situations like this are pretty common sense, but as a general rule, ask yourself if taking a selfie in a given situation could upset or offend people who see it. If the answer is "yes," save your selfie for another time. Funerals, weddings, and other major occasions are off limits. If you are at an event meant to focus on or celebrate another human being, put down your smart phone and step out of the limelight. Similarly, if you are at a memorial site, keep the phone in your pocket. Don't take selfies at a memorial or statue, especially if a tragic event took place there once before.