In one sentence, describe what the following article is about: You can find the information you'll need to make this calculation on the company's balance sheet. You will have to make some decisions about which of the balance sheet accounts to include in your calculation of debt. Equity refers to the funds contributed by the stockholders, plus the company's earnings. The balance sheet should include a figure labeled as total equity. When determining debt, include interest-bearing, long term debt such as notes payable and bonds. Be sure to include the current amount of long-term debt. You'll find this in the current liabilities section of the balance sheet. Analysts often leave out current liabilities, such as accounts payable and accrued liabilities. These items provide little information about how a company is leveraged. This is because they do not reflect long-term commitments, but only the day-to-day operations of the business. Companies will sometimes keep certain expenditures off their balance sheets. This is to make their debt equity ratios look better. You should include certain off-balance sheet liabilities when calculating debt. Operating leases and unfunded pensions are two common off-balance sheet liabilities. These expenditures are often large enough to include in the debt to equity ratio. Other debt to look out for may come from joint ventures or research and development partnerships. Scan through the notes to the financial statements and look for off-balance sheet liabilities. Include those greater than 10% of the total of interest bearing debt. Find this ratio by dividing total debt by total equity. Start with the parts that you identified in Step 1 and plug them into this formula: Debt to Equity Ratio = Total Debt Total Equity. The result is the debt-to-equity ratio. For example, suppose a company has $300,000 of long-term interest bearing debt. The company also has $1,000,000 of total equity. This company would have a debt to equity ratio of 0.3 (300,000 / 1,000,000), meaning that total debt is 30% of total equity. Once you have calculated a company's debt to equity ratio, you can begin to develop an idea of its capital structure. Here are some things to keep in mind: A ratio of 0.3 or lower is considered healthy by many analysts. In recent years though, others have concluded that too little leverage is just as bad as too much leverage. Too little leverage can suggest a conservative management unwilling to take risk. A ratio of 1.0 means that the company funds its projects with an even mix of debt and equity. A ratio greater than 2.0 means that the company borrows a lot to finance operations. It means that creditors have twice as much money in the company as equity holders. Lower ratios mean that the company has less debt, and this reduces risk. A company with less debt will also have less exposure to interest rate increases and changes in credit conditions. Some companies will choose debt financing despite the increased risk. Debt financing allows a company to gain access to capital without diluting ownership. It may sometimes also result in higher earnings. If a company with lots of debt becomes profitable, a small number of owners may make a lot of money.
Summary: Determine the company's debt and equity. Watch out for expenditures that aren't listed on the balance sheet. Calculate the debt-to-equity ratio. Do a basic assessment of the firm's capital structure.

by text message or phone. You can do this by going to the verification page and entering your phone number to receive your verification code. You'll need to do this in order to ensure your YouTube account is accessible. Be sure to include the phrase "1280 x 720", "1920 x 1080", "3840 x 2160", or "7680 x 4320" as this is the best aspect ratio for a thumbnail. Also known as 16:9 aspect ratio, this size is optimized for desktop and mobile viewing. While this can be a good option if you have no photos of your own, you can also use a frame from your video or even take a new photo to ensure you have a good quality image. Either right-click the image and select Copy Image or highlight the image and press Ctrl+C. Make sure you click the image before right-clicking it, otherwise, you will acquire a low-resolution copy. You can use Photoshop for more extensive image-editing features, though other image editors like GIMP also offer plenty of options.
++++++++++
One-sentence summary -- Verify your YouTube account Go to Google images and search for backgrounds. Copy the background you want. Open an image editor and insert the image as the background.

Problem: Article: Perhaps the most common facial piercing aside from the ears is the nostril. It's a stylish and increasingly well-accepted facial piercing in most communities, amenable for both studs and rings. Pros: Nostril piercings are much more common than they used to be, making them a good foray into a facial piercing. They're easy to care for and relatively quick to heal. Cons: It's mostly impossible to hide a nostril piercing, and you won't be able to take it out for several months while it heals. Corkscrew-style studs are also somewhat difficult to remove. . The septum is the center wall that separates your nostrils, just under the cartilage. The septum is an increasingly popular choice for a variety of reasons. Pros: Septum piercings are very versatile and easy to hide. Rings can be twisted up into the nostrils to make them practically invisible. Cons: Septum piercings look really stylish with the right jewelry, but can look a lot like boogers with the wrong choices. It's also sometimes a painful piercing, depending on the make-up and size of your septum. Typically, the lip is pierced just below the lip-line of the bottom lip, in the middle, to the left or right side, or some combination. The top lip is also sometimes pierced, which is called a "Madonna" to one side and a "Monroe" to the other. Whether solo or combination, lip piercings are both hip and very common. Pros: There are lots of combinations and variations of lip piercings, which means you can start with one and evolve your piercings as you grow. If you want to end up with snakebites, or fangs, you can try out a single piercing and see how it works for you, then go back for more. Cons: Any lip piercing comes with some measure of dental risk, including chipped teeth and enamel wear. Like any facial piercing, lip piercings need to be performed by safe and experienced piercers. Eyebrow piercing used to be completed to show courage and virility. It's a punky and stylish selection. Pros: Eyebrow piercings are powerful and commanding in their presence. Both bars and rings look cool on the eyebrow. Cons: These are possibly the most difficult piercings to hide, and can't usually be hidden without removal or using a bandage. They're also somewhat less popular than they once were. Tongue piercings are a more advanced type of facial piercing that some people choose to work up to when they're ready. It's not usually a first piercing, but tongue piercings are popular for a variety of reasons. Pros: For some people, tongue piercings offer both style and sexual advantages. They're also easy to conceal. Cons: Tongue piercings are one of the more dangerous and painful facial piercings you can get. There is some risk of nerve damage and vascular damage, if piercings aren't done by a professional. They also bring some danger of dental problems.
Summary:
Consider a nostril piercing. Consider a septum piercing Think about a lip piercing. Consider getting your eyebrow pierced. Think about a tongue piercing.