You can click the calculator in the "samples" section at the top of this page, then open it with Google Drive, or download it to open with Excel or another spreadsheet program. Alternatively, visit one of the following links: Bankrate.com and MLCalc are both simple calculators that also show a full table of your payment schedule, including remaining debt. CalculatorSoup is useful for loans with unusual payment or compounding intervals. For example, Canadian mortgages are typically compounded semi-annually, or twice a year. (The calculators above assume the interest is compounded monthly, and payments are made monthly.) You can make your own loan calculator in Excel, similar to the wikiHow sample above. This is the total amount of money borrowed. If you are calculating a partially paid loan, enter the amount of money you have left to pay. This field may be labeled "base amount." This is the current annual interest rate on your loan, in percentage form. For instance, if you pay a 6% interest rate, type in 6. The compounding interval does not matter here. The interest rate specified should be the nominal annual interest, even if interest is calculated more frequently. This is the amount of time you plan to spend paying off the loan. Use the amount of time specified on the loan conditions to calculate the minimum monthly payment required. Use a shorter amount of time to calculate a higher monthly payment that would pay off the loan sooner. Paying the loan off sooner will also mean less total money spent. Read the label next to this field to determine whether the calculator uses months or years. This is used to calculate the date when you'll finish paying off the loan. Some calculators will automatically update the "Monthly Payment" field after you enter the information. Others wait until you hit "calculate," then give you a chart or graph showing your payment schedule. The "Principal" is the amount of the original loan left, while "Interest" is the remaining additional charge. These calculators will display information for a "fully amortized" loan payment schedule, which means you will pay exactly the same amount each month. If you pay less than the amount displayed, you will end up paying a single extra-large payment at the end of the loan term, and you will end up paying more money total.
++++++++++
One-sentence summary -- Open an online loan calculator. Enter the loan amount. Enter the interest rate. Enter the loan term. Enter the start date. Hit calculate.

It's important to let your crush know that you exist, and that you like talking to them. When you see your crush walking down the hallway at school, or passing them in public, smile brightly, wave your hand, and say hi. Use their name out loud. This little gesture goes a long way in making someone feel valued and wanted. This isn't a sign that you're crushing on someone, it's just a sign that you're nice. If you see someone you like, say hello. When you like someone, making eye contact can do more than a couple thousand words and a bunch of love letters. When you're hanging out, or having a conversation, make eye contact and use gentle body language to seem more approachable. Use open body language around your crush, keeping your shoulders back and your arms uncrossed. Don't stare at someone you like. Catching someone's eye and smiling is one thing, but gawking at someone you think is attractive during class will just come across as creepy. When you're first getting to know your crush a little better, try to keep your interactions brief to avoid any awkwardness or difficulty in talking. Just chat up someone about the class you just had, or have a brief talk about your weekend plans, then say, "Well, nice talking. See you later." Don't worry too much about having really deep or interesting conversations. It'll happen as you get to know someone better, which takes time. Nobody has great conversations at first. Give them a chance. Don't know what to talk about? Try to figure out something that you have in common and can share together. Talk about a class you've got together, or an assignment, or talk about an upcoming sports event at your school. Find something you can shoot the breeze about. Don't think too hard. If you live in the same town or go to the same school, you've automatically got a little in common. Talk about your neighborhood. Gossip about common friends. Complain about teachers. Online is a great way to find out simple things like this. If you know your crush watches a certain show that you like, talk about the last episode, or your favorite characters, or what you think is going to happen next. One good short-cut to starting a conversation is to ask your crush if they'll help you do something. Ask for a hand with some homework assignment you're working on, or ask for some help setting something up in gym class. Even if you're fine on your own, it'll be a chance to have some time to talk. Go with a little white lie if you need to: "Have you seen my math book over here? I just had it, and I can't find it. Will you help me look?" Then chat while you try to find it. When you never can, say, "That's ok, you're so sweet for helping. I like talking to you!"
++++++++++
One-sentence summary -- Start slowly by saying hello regularly. Make eye contact. Keep your conversations short, at first. Find something you have in common. Ask for help with something.

If you really want to sweet talk a girl, then you have to make it pretty clear that you're into her. This doesn't mean that you should tell her how hot you think she is the second you've met, but it does mean that she has to see that you're into what she's bringing to the table. Don't be too rude, look around the room, or make her question your motives. Once she knows you're into her, it's up to you to win her over with your words. Don't worry if you're normally shy about talking to girls. If you act confident when you approach her and are sweet to her right off the bat, she'll respond in a positive way and will make you more relaxed about talking to her. Don't make it too obvious that you're sweet talking her. Don't say, "Hey, baby, what's up?" Or, "What are you up to, hot stuff?" Or she will want to pull away. Just come right up to her and say, "Hey, what are you up to?" Or, "Hey, I'm _____, what's your name?" You don't need a smooth pick-up line or to make a big deal about the fact that you're talking to a cute girl you like. Make it feel natural, like you're already friends, and take it from there. If you act too nervous, formal, or excited about talking to her, you may make her feel a bit nervous, too. The more relaxed and easygoing you are, the better she'll feel. Sweet talking a girl can have its limits. If you want to sweet talk her, then you have to stay respectful about not overstepping any boundaries or making her feel uncomfortable. If you don't know her that well, or even if you do, you should avoid saying anything overly sexual or vulgar because she will instantly want to pull away. Instead, respect her boundaries both by not crowding her or sitting too close to her and by not making any comments that are just too raunchy and that can be interpreted the wrong way. Don't compliment her breasts, butt, or any parts of her body that are off-limits. If she starts talking raunchy, you can up the ante a bit, but don't just start off this way. An important part of sweet talking a girl is making her feel like the only person in the room. Make eye contact, and only break it occasionally so you don't come off as too intense. Turn your body toward her. Stop checking your phone or looking around for your buddies. Make her feel like all you care about is hanging out with her and hearing what she has to say. That will make whatever you say sound much, much, sweeter. If someone calls you or texts you and you really have to answer it, apologize or excuse yourself. Let her see that you really are focused on her. Nothing will make her lose interest faster than seeing you text your best buddy back and forth.
++++++++++
One-sentence summary --
Don't be shy about how you feel. Keep it casual. Be respectful. Give her your full attention.