IN: What happens next?

How to buy a minivan
Make sure you can afford the vehicle.
Most minivans cost a bit more than the average compact or midsized car, so check your budget to make sure that it can accommodate the new expense. Since minivans can lose their value quickly, a good idea might be to buy a used minivan.

OPTIONS:
- Get pre-approved by a bank or credit union. This way, you will know exactly how much money you can spend when buying a minivan.
- This makes it more likely that you will not need it again if it goes missing due to an accident. Avoid buying a minivan in which the engine or steering wheel get damaged.
- If you bought a second-hand minivan that has never been used, look over the vehicle carefully to determine if it can serve your needs before making a decision. Make sure the vehicle is equipped with manual transmission transmission.
- Talk to your friends and neighbors about your vehicle's price range. If you have friends or family who drive your vehicle, talk to them about how much they're willing to spend on a new vehicle.

OUT: Get pre-approved by a bank or credit union. This way, you will know exactly how much money you can spend when buying a minivan.

IN: What happens next?

How to lower your monthly mortgage payment
Refinance your loan.
The most common way to reduce monthly mortgage payments in the u.s. is to refinance your loan, or reduce your interest rate and change the length of your term payout. When you refinance, you are essentially replacing the existing loan with a new one.

OPTIONS:
- As a result, you pay the loan above and beyond your normal monthly spending. A reduced monthly spending rate enhances your credit rating and a reduced monthly payment will significantly reduce your monthly expenses.
- A new loan with a lower interest rate will help reduce your monthly payments. Keep in mind that extending the term of your loan is often a poor financial decision, so it is best to avoid doing this if possible.
- Of course, this could be very different from refinancing your loan. To refinance, you will need to change your mortgage and the duration of your term to reflect what happens to the existing loan.
- This means that you will use different lines of credit to pay off your debts on your old loan. You will pay off this new loan a lot faster than you would any other one.

OUT: A new loan with a lower interest rate will help reduce your monthly payments. Keep in mind that extending the term of your loan is often a poor financial decision, so it is best to avoid doing this if possible.

IN: What happens next?

How to develop a manly voice
Stand up straight.
When you slouch, your limiting how much you can expand your lungs. If you can breathe in more air, your voice will be stronger, and it's less likely that your voice will crack.

OPTIONS:
- Slouching will also increase the chances that you'll start talking faster (i.e. you're about to reach a great point in your speech).
- Keep your shoulders back and keep your chin tucked in. You should be able to comfortably bend at the waist, and your chin will be pointed forward.
- Place your hands on your abdomen and keep your gaze straight ahead. If you feel your eye rolling as you wait, look ahead.
- Breathe from your diaphragm. If you're like many people, you breathe from your chest without much support from your diaphragm.

OUT:
Breathe from your diaphragm. If you're like many people, you breathe from your chest without much support from your diaphragm.