Problem: Article: " The net capitalized cost equals your negotiated selling price minus any down payment and any other credits (such as the value of a trade-in or factory rebate). If the dealer agrees to pay off the balance of the loan on your existing car, add that loan balance to the selling price. For example, let's say the negotiated selling price of the car is $26,000. Subtract a down payment of $1,000 and a trade-in value of $3,000 = $22,000. The dealer then agrees to pay off the balance of the loan on your existing car at $5,000, so that equals a $27,000 net capitalized cost. The dealer may provide this number or may provide you with a residual percentage. To calculate the residual value, multiply the sticker price of the car by the residual percentage. For example, $30,000 sticker price X 55% residual percentage = $16,500 residual value. Remember that depreciation isn't a straight line it is usually accelerated in the first five years, particularly in the first year. Your car may depreciate by 20% or more in the first year, After the first five years, most cars have depreciated by 60% on average. Then subtract the residual value from the net capitalized cost. Divide the resulting number by the number of payments. The result is the depreciation portion of the lease payment. For example, you lease a new car for three years. The sticker price of the car is $30,000, you negotiate a purchase price of $26,000, you make a cash down payment of $1,000 and you trade in your old car for a credit of $3,000. There is no loan balance due on your current car. The dealer tells you the residual value at the end of the lease will be 55% of the sticker price. The net capitalized cost = $26,000 - $1,000 - $3,000 = $22,000. The residual value = $30,000 x 55% = $16,500. The number of monthly payments = 3 years x 12 months/year = 36. Depreciation fee = ($22,000 - $16,500) / 36 = $152.78.
Summary: Calculate the "net capitalized cost. Determine the residual value of the car at the end of the lease. Identify the number of the monthly payments on the lease.

Problem: Article: If you're planning on baking your own cake, make sure you have the necessary supplies and schedule yourself so that you won't be rushing to finish the cake. Alternately, if you're planning on purchasing the cake from an outside vendor, you will probably need to order it in advance. Reach out to your local supermarket to make sure your cake will be done on time! Depending on what time you're hosting your party, you might want to consider serving snacks. If you have the budget, catering your child's birthday party is an easy option that saves you time, but if not, you might want to look into some easy group meal options to feed your guests. Don't forget to purchase paper plates and plastic cutlery -- you don't want to be stuck using real plates for the food or cake. Keep in mind that most children can be picky eaters! As an added feature, consider creating themed snacks for the party. For example, a pirate themed birthday party could feature cheese and apple pirate ships, or a rainbow themed birthday party could feature popsicles of every color. These snacks are likely to delight the children, but they do take quite a bit of added planning. Make sure to give yourself plenty of time to pull them off!
Summary: Provide a cake. Serve snacks. Go above and beyond with themed snacks.

Problem: Article: Many people who contemplate suicide are able to move past their feelings and improve their outlook on life when healthcare professionals give them coping mechanisms and other kinds of support. It is okay to have thoughts about suicide, but it is not okay to act on them; there are other ways to handle your pain. Be bold and change the situations that are making you unhappy. Change schools. If all your friends are toxic, try to make new, true friends. Move out of wherever you are living. Leave an abusive relationship. Accept your parents' disapproval of your personal choices or lifestyle and work through the emotional issues these situations can cause. A therapist can help you to work through these emotional issues so that you they have less of an impact on your or help you to know whether you need to cut off negative influences in your life. Suicide is a drastic measure but there are other drastic measures that are not irreversible. Sometimes suicidal feelings are related to anger and resentment you feel toward others. Don't turn that anger inward. Hurting yourself won't help you really get back at anyone, and it is beyond not worth it. Instead, think about all you have to offer to the people you'll meet in the future. The fact of the matter is, if you have had suicidal thoughts at one point, you're more likely to experience these thoughts and feelings in the future. This means that, even if you're feeling better for a variety of reasons, you should always be vigilant and make sure to take care of yourself as much as you can. Get enough rest, get plenty of exercise, work on maintaining meaningful relationships with people, and don't neglect the care of your own mind and body. Staying healthy and happy should always be your top priority. Even if you're feeling better, it's important to have a strong support system around you and to continue the treatment that helped you get better. If you don't have a support system, a therapist can help you build one so you feel like you have more people to turn to. However, recovery does not mean ignoring the pain you once felt, or may feel again. It is important to be truthful and honest with yourself about your feelings and look for ways other than suicide to process these feelings. Develop a plan for what to do if suicidal feelings return. For example, Step 1 could be to call the Emergency Services, Step 2 could be to call a designated person from your support network, and so on. Think about what best helped get you through your suicidal thoughts in the past and put that into your plan so that you have concrete actions to take if find yourself in a crisis situation in the future.
Summary: Know that people do get through this. Realize that you can make fresh choices for change every day. Do not think of suicide as a revenge strategy. Continue caring for yourself even after the feelings subside.

Problem: Article: Adobe Digital Editions is paired with your Nook, and is required for older Nook models without the option of downloading apps. Your computer will function as a mediator between your Nook and online library account. If you do not have a computer of your own, you may be able to use a library computer to complete this process. Using the same email address you used to activate your Nook, create an account with Adobe Digital Editions. Creating an account will help you keep track of your downloads, and will facilitate the transfer of books from your computer to your e-reader. Using an email different from your Nook email may create some difficulty in the download and transfer process. Pause at this point in the process and connect your Nook to your computer using a USB cable. Turn your Nook on to make sure it registers with Adobe. When you select the format you wish to download in on Overdrive (the program most libraries use to lend books digitally), a window will appear giving you the option of opening the file or downloading it. Select "Open the file with Adobe," which will automatically pull the book open in your Adobe library. Once you have opened Adobe, select the "library" button in the top left hand corner, which should bring up a list of books you have downloaded or borrowed. Having your library open will allow you to identify and highlight the book you are trying to transfer. Highlight the book you want to place on your Nook, and drag it to the middle of the page on the left-hand side, where a small icon reading "Nook" will appear. This will complete the process of transferring the book to your Nook. Check your Nook before disconnecting to make sure the book has appeared in your Nook library. When you have finished your digital library book, plug your Nook into your computer once more, and open Adobe. From your library on your Nook, click "Return Book." Open Adobe and complete the return by also clicking "Return Book" inside of the Adobe program. To verify your return has gone through, you can minimize Adobe and check your Overdrive or library account. If your book does not return, you may need to contact Nook customer service or your library for assistance.
Summary:
Download Adobe Digital Editions to your computer. Create an ADE account. Connect your Nook to your computer. Open the book using Adobe. Select the "library" button. Click and drag the book. Click "Return Book" on your Nook. Click "Return Book" in Adobe.