Q: To do this, think of the percent number with a decimal to the right of the last digit. Move the decimal point two places to the left to get the converted decimal. You can also use the %{\displaystyle \%} sign on a calculator. For example, you might want to calculate the sale price of a pair of shoes that is regularly $69.95. If the shoes are 25% off, you need to convert 25% to a decimal by thinking 25%=25.00%=.25{\displaystyle 25\%=25.00\%=.25}. You can multiply the decimal by hand, or use a calculator. This will tell you the discount, or what value is being taken off the original price. For example, to find the 25% discount on a pair of $69.95 shoes, you would calculate 69.95.25=17.49{\displaystyle 69.95 imes .25=17.49}. To subtract decimals, line up the decimal points and subtract as you would whole numbers. Be careful to drop the decimal point down into your answer. You can also use a calculator. The difference will be the sale price of the item. For example, if a pair of shoes that are originally $69.95 have a discount of $17.49, calculate the sale price by subtracting:69.9517.49=52.46{\displaystyle 69.95-17.49=52.46}. So, the shoes are on sale for $52.46.
A: Convert the percentage discount to a decimal. Multiply the original price by the decimal. Subtract the discount from the original price.

Q: A Tarot reading is a narrative, a story that you tell to the Seeker. It's an attempt to highlight past influences, understand present circumstances and predict the most likely future. The future you speak of will not be a fixed or definitive outcome; it's important to remember that there are no conclusive endings or absolutes. A "spread" simply refers to the layout of your cards. A Tarot spread is a configuration or pattern of cards. That pattern provides the framework for a tarot reading. Further, each position of the tarot cards in a spread has a specific meaning. Your reading will use the placement or position of the cards within an identified theme. For example, many spreads include positions for the past, present and future. They can also include positions for internal feelings, specific challenges, external factors and so on. There are hundreds of spreads to try, and more experienced readers can make up their own. Experiment with different spreads, trying especially to choose ones that encourage your imagination and intuition. Figuring out what works best for you is important; many readers come to rely on specific spreads that work best for them. A three-card spread is great for divining answers to uncomplicated questions, for refocusing on simplicity an for beginners who have just started reading. Assign the positions in advance, lay out your spread and use what you've learned about card meanings and combinations to tell a story. Some possible positions for a reading designed to understand a situation are: past/present/future, current situation/obstacle/advice, where you stand now/what you aspire to/how to get there and what will help you/what will hinder you/what is your unrealized potential. Some possible positions for a reading designed to understand relationships are: you/the other person/the relationship, opportunities/challenges/outcomes, what brings you together/what pulls you apart/what needs your attention and what you want from the relationship/what you want from the relationship/where the relationship is heading. Some possible positions for a reading designed to understand relationships are: mind/body/spirit, material state/emotional state/spiritual state, you/your current path/your potential and stop/start/continue.
A: Tell a story. Get familiar with spreads. Start with a Three-Card Spread.

Q: Some people get nervous when talking to a babydon't worry, there's not necessarily a right or wrong way. But there are several things you can do to make your conversation enjoyable and effective for both of you. One of the best ways to talk to your baby is to simply repeat what they say. Imitating a baby tells them that what they are trying to say matters to you. Simply repeat the sounds your baby makes. For example, if they say "Ki ki!" you can say "Ki ki!" right back. Use different inflections in your voice to make it feel more like a conversation. When you repeat the baby's sounds, offer additional encouragement in the form of smiles and a positive tone of voice. When you are talking to a baby, show enthusiasm. Respond in an upbeat tone to whatever noises she makes. If your baby is crying, respond to her vocally. Try saying, "What's wrong? Are you hungry?" Babies can tell when you are paying attention to them. When your baby is "talking" to you, respond. If your baby is not being vocal, but is looking around or trying to grab for something, you can respond to those cues, too. For example, say, "Are you looking at your brother? That's your brother, Steve. He's coloring right now." Your baby can interpret your tone of voice, so make it encouraging. When talking to a baby, try to demonstrate enthusiasm. This shows your interest, and that you are engaged with what they're doing. Try offering an exclamation when your baby does something. For instance, you can say, "Wow, what a big smile! That makes my day!" Offer encouraging statements to show your enthusiasm. Try "I'm so glad to be home from work! I'm excited for time with you!" They might not understand the words, but they will pick up on the sentiment. Your baby might not understand everything you do, but the best way for them to learn is by show and tell. Throughout the day, describe your actions to your baby. Say, "Let's get you dressed and then go eat breakfast!" After hearing these types of things repeatedly, the meaning will start to sink in. Use descriptive words. You could say, "It's a good thing we put your hat on. It is cold today. Brrr!" Experts have not found that baby talk impedes a baby's ability to learn. So feel free to mix in a silly tone or a wacky phrase you like into your narration. Do what feels natural to you, while mixing in adult phrases and words. Research shows that babies can detect rhythmic patterns when they are only 1 day old. That means from almost the moment they are born, music can be an important part of a baby's life. Try singing to your baby to connect with them. Singing and music are comforting to your baby, so try a simple melody if they are fussing. Singing has also been shown to be beneficial for the language development of a baby. Choose an old favorite like Twinkle Twinkle Little Star, or introduce them to your favorite Adele song.
A: Imitate your baby. Be responsive. Show enthusiasm. Narrate your day. Sing to your baby.

Q: The effective interest rate attempts to describe the full cost of borrowing. It takes into account the effect of compounding interest, which is left out of the nominal or "stated" interest rate. For example, a loan with 10 percent interest compounded monthly will actually carry an interest rate higher than 10 percent, because more interest is accumulated each month. The effective interest rate calculation does not take into account one-time fees like loan origination fees. These fees are considered, however, in the calculation of the annual percentage rate. The stated (also called nominal) interest rate will be expressed as a percentage. The stated interest rate is usually the "headline" interest rate. It's the number that the lender typically advertises as the interest rate. The compounding periods will generally be monthly, quarterly, annually, or continuously. This refers to how often the interest is applied. Usually, the compounding period is monthly. You'll still want to check with your lender to verify that, though.
A:
Familiarize yourself with the concept of the effective interest rate. Determine the stated interest rate. Determine the number of compounding periods for the loan.