Problem: Article: Mortgage interest can be easily found using your chosen spreadsheet program. This function, in all major spreadsheet programs (Microsoft Excel, Google Spreadsheet, and Apple Numbers), is known as CUMIPMT, or the cumulative interest payment function. It combines information like your interest rate, number of payments, and principal to arrive at an amount for total interest paid over the life of the loan. You can then divide this information to find the amount of interest paid each month or annually. For simplicity, we will be focusing on Microsoft Excel's CUMIPMT function here. The process and inputs will likely be identical or very similar for any other program you are using. Consult the help tab or customer service if you have any problems using these functions. You can use the cumulative interest payment function to determine your interest paid. Start by entering =CUMIPMT( into your spreadsheet. The program will prompt you for the following information: (rate, nper, pv, start_period, end_period, type). rate here means your monthly interest rate. Again, this will be your annual interest divided by 12 and expressed as a decimal. For example, a six percent annual rate would be expressed as 0.005 here (6%/12=0.5%=0.005). nper stands for "number of periods" and is asking for your total number of payments. Like before, this will be the term of your loan in year multiplied by 12 for monthly payments. pv means "present value." Input your principal (amount borrowed) here. start_period and end_period represent your timeframe for calculating interest. To calculate interest over the life of the loan, enter 1 for start_period and your value for nper into end_period. type refers to when in each period your payments are made; 0 for the end of the month and 1 for the beginning of the month. In most cases, you should use 0. Input the information, close the function with a ")" at the end, and press enter to receive your answer. The CUMIPMT function will return an amount that represents the total interest you will pay on your loan. To find the interest paid each month or year, simply divide this amount by either the number of payments or the number of years on your loan, respectively. This number will also be expressed as a negative number. This doesn't mean you entered your information incorrectly, but simply that the program represents interest as an expense and therefore, a negative number. Multiply by -1 if this helps you understand and use the figure.
Summary: Understand the function used. Use the CUMIPMT function. Analyze your result.

INPUT ARTICLE: Article: Blow drying and hot water can strip the color from your hair, leaving your dyed locks looking faded or tired. If you live in a region that has hot weather and bright, sunny days, you may also want to wear hats to protect your hair from the sun, which can bleach color from it. Even "permanent" hair dyes won't last forever. Eventually that color is going to fade, though with a color like green, there will likely always be some remaining tinge to your hair until you cut it. Infrequent washings will help protect the color of your hair and make it last longer. You should also avoid chlorinated pools. This chemical can sometimes alter the hue of your hair color or cause it to fade rapidly. You may want to try using dry shampoo so that your hair feels clean but is spared the color sapping effects of water. When you do wash your hair, you should use cold water to prevent dye from leeching from your hair as much as possible. You may also want to change your shampoo to one that is formulated to protect color after dyeing. These can be found at most salons or pharmacies. To keep your dye-job looking fresh, you may want to use leftover dye to touch up your hair every two to four weeks. In some cases, you may be able to mix in your coloring agent with your conditioner to freshen it up without having to go through the trouble of the whole redyeing process. Touching up your hair with conditioner and remaining dye works best with intense and vibrant colors. Pastel colors don't usually stick very well when only washed through your hair.

SUMMARY: Avoid applying heat to your hair. Wash your hair as rarely as possible. Touch up your hair regularly.

In one sentence, describe what the following article is about: Another way rooms get messy quickly is when we throw our clothes on the floor. Either we're changing into new ones or clean ones end up on the floor when we're picking out the day's outfit. To avoid a mountain of clothes forming, tackle this issue every day. When it's just a few pieces, it'll take a matter of seconds. You probably go through one or two pairs of shoes a day, too. Instead of kicking them off and wondering where they wind up, put them back in their spot ideally a shoe rack or other designated area. How easy is it to take all your clean laundry, dump it on your bed, and call it a day? Too easy, that's what. Unfortunately, then you wind up with yet another pile of clothes to deal with and they're clean, sure, but now they're wrinkly. Resist the urge to be lazy and put them away when they're fresh out of the dryer. You'll be glad you did. Again, make sure you're putting it back how you want it not just putting it back so it gets out of the way. Your closet needs to stay organized as much as your room does. Every day you probably go through a handful of things: a book or two, some toiletries, some papers, video games, make up, etc. Take a second to put everything back in its place that you've used today, even if you need it tomorrow. Alright, if you need it tomorrow, you can go easy on yourself. Just put the items in an easily accessible area that you can grab and go when necessary. A mid-level shelf is a good bet.
Summary:
Pick up your clothes and organize your shoes. Put away clean laundry immediately. Take five minutes to pick up your knickknacks.