Problem: Article: Type 10,000 in cell B2 (Face Value). Type .06 in cell B3 (Annual Coupon Rate). Type .06 in cell B3 (Annual Coupon Rate). Type .09 into cell B4 (Annual Required Return). Type 3 in cell B5 (Years to Maturity). Type 1 in cell B6 (Years to Call). Type .04 in cell B7 ( Call Premium). Type 2 in cell B8 (Payment Frequency). Type 9999.99 into cell B10 (Value of Bond). If the formulas have been entered correctly, the following results will appear in column B, under the Bond Yield Calculations heading. The Current Yield should be 6.0%. The Yield to Maturity should read 6.0%, and the Yield to Call should read 9.90%. If the values in the bond yield calculator match the figures listed above, the formulas have been entered correctly. If the values do not match, double check that the formulas have been entered correctly.
Summary: Enter the following values in the corresponding cells to test the functionality of the bond yield calculator. Cross-reference the results of the input values.

Problem: Article: You can have a member-managed or manager-managed LLC. A member-managed LLC is run by all of its members. By contrast, a manager-managed LLC has passive investors who do not take part in running the business. If you're a small LLC, chances are you'll be member-managed. If someone wants to sue your LLC, they need to serve papers on someone. This person will be your registered agent. One of the LLC founders can serve as the registered agent, or you can pay a company to serve as your agent. This paperwork goes by different names, depending on your state. For example, it might be called a "certificate of formation" or "certificate of organization." Regardless of the name, you must file the paperwork with your Secretary of State. Your state should have "fill in the blank" articles of organization to use. You can download them online. In some states, you can file your articles of organization online. You'll need to pay a filing fee, which will vary by state. However, it shouldn't be more than a couple hundred dollars. This document is the operating manual for your business. Your state probably won't require that you file your operating agreement, but you should keep it at your principal place of business. A solid operating agreement should contain the following: A description of your business purpose. An identification of each member and their ownership percentage. The rights and duties of the members. An explanation of the members' voting power. You can decide to give each member an equal vote or weight the vote according to ownership percentage. An explanation of how profits and losses will be distributed. Your rules for calling and holding meetings. A buy-sell agreement, which explains what happens if a member dies, quits, or is removed from the LLC. In some states, you need to publish your intent to create an LLC in a local newspaper. Typically, the notice must run for several weeks, after which you submit an affidavit of publication as proof. Check with your Secretary of State's office. Your EIN is your LLC's federal tax ID. You'll need this number to pay federal taxes and to get a bank account. Obtain your EIN online at https://www.irs.gov/businesses/small-businesses-self-employed/apply-for-an-employer-identification-number-ein-online. You can get your EIN for free. Contact the office and check what state taxes you must pay. Many LLCs must pay sales tax, use tax, unemployment tax, and employee withholding. Contact the appropriate tax office to register your LLC.
Summary: Choose your management structure. Pick a registered agent. File your articles of organization. Draft your operating agreement. Publish a notice. Obtain your Employer Identification Number (EIN). Register with your state tax office.

Problem: Article: Use the same measurements for each of the panels you made for the case to cut your interior fabric into 2 front and back pieces, 2 pieces for either side of the zipper, and one side piece. Create the same loop as you did with the zipper and side panels, but without the zipper. Place the two pieces for either side of the zipper next to each other and fold back inch where the zipper would be. Then sew the ends of the zipper pieces to the ends of the side piece like you did to make a loop before, but keeping the small folds for a zipper in place. Sew this loop to the front and back lining pieces like you did with the main case. Use fabric glue or hand sew the lining to the inside of the case by matching the seam allowance of the lining to the seam allowance of the main case. Fold under any raw edges as you go.
Summary: Cut interior fabric for lining. Attach the side and zipper pieces. Sew or glue the lining into the case.

Problem: Article: The "right time" means something different for every kid and every parent. As a general rule of thumb, consider that your child should probably know how to practice safe, consensual sex by the time that he or she winds up in a sexual situation. If your child is approaching his or her teen years, then hormones are coming, and the time is nigh. In this digital age, more children are learning about sex from the Internet. If your child gets curious, then they may do a lot of exploratory searching. Use your knowledge to act as a guiding figure. Your child may know more than you think. Many schools incorporate some form of sexual education into their curriculum. Try using this as a reason to engage with your kids about the realities of sex. Set yourself up as a resource, and offer to answer any questions that your children might have. Sex can be an embarrassing topic for adults to discusslet alone children or teenagers! If the topic comes up naturally, then take the opportunity to discuss it. Otherwise: plan out what you are going to say, and try to build upon what your child already knows. Keep an open mind. Be respectful of boundaries. If your son or daughter doesn't want to talk about the "birds and the bees," then don't force the conversation. There are various books, websites, and other resources available that make it easier for kids and teenagers to learn about healthy sex. If your child is younger than 10-12, consider going through these resources one-on-one. If you are dealing with a teenager, then you can likely just pass along the information and let your teen explore on his/her own time. What Makes A Baby by Cory Silverberg is a children's book for parents looking to explain to young children how babies are conceived and born. The website BishUK provides a range of topics for parents and teens. The site covers not only the physical aspects of sex, but its emotional impact. MTV, as an offshoot of their Teen Mom series, runs the website [mysexlife.org mysexlife.org]. The site helps teenagers understand sex and sexuality, and it can help teach young adults how to make safe decisions regarding their bodies. Speakeasy, a Family Planning Association, features online guides to help parents talk to kids about sex and reproduction. There are guides available for a variety of ages.
Summary:
Know when it's time to talk to your child about sex. Bring it up gently. Use outside resources.