INPUT ARTICLE: Article: A puppy under three months will be easier to train to get used to a vehicle than an older dog. The best way to overcome fear of your car is to avoid it in the first place with early training. Before you take any trips with your puppy, introduce him to the car so that he can grow accustomed to it. Especially in the summer, make sure the car is running so you can keep it cool. This will also help your dog grow accustomed to the sound of the motor. To help your puppy get comfortable: Place a bed on the seat so your dog is comfortable and doesn't slip on the upholstery. Feed you your puppy meals in the car. Give your dogs treats, such as a stuffed KONG or bone to chew on. Always travel with your dog restrained for his safety. When introducing your dog to the car, it is important that he wear the same restraint he will when traveling, or go in a carrier if that is how you will transport him. If using a harness, you can practice putting it on in your home before trying it in the car. Give your dog lots of treats when you put it on, then take it off. Gradually increase the amount of time he wears it, eventually giving him a bone or chew toy to play with while in the harness. If using a crate, you should crate train your dog before trying the crate in the car. Dogs often suffer from motion sickness during their first few car rides, so you'll want to keep your puppies first trips short. Start with just going in and out of the driveway and gradually build up to more. For the first 2-3 days, just back out of the driveway or drive a few feet down the street, then return to you parking place. Do this once or twice a day. Next, try driving around the block for a couple of days. Move on to a five minute drive. As long as your dog shows no signs of anxiety panting, trembling, whining, cowering, or drooling you can slowly increase the lengthy of trips over several weeks. If you only use the car to take your dog to the vet, your dog is not going to like the car. Especially when you dog is a puppy, try to have most car trips end somewhere fun, like the park, the hiking trail, a pet store, a friend's house, or a dog park. If your dog is anticipating the destination, he won't mind the drive so much. Especially for bigger breeds, teaching your dog to get in and out by himself will save you a lot of back pain when he is full grown. Getting In Pick a command word like "in" for entering the car. If necessary, use treats to lure your dog into the car at first. Be sure to use the command word as your dog enters, so he starts to associate the word with the action. Getting Out Pick a command word like "out". It is very important to teach you dog to wait to leave the car until asked. Teach your dog "wait" at home. Have your dog wait in the car, then get out on command. Practice with a leash on at first, to be sure your dog won't run off.

SUMMARY: Familiarize your puppy with the vehicle as early as possible. Teach your puppy that the car is a fun place. Get your puppy accustomed to being restrained in either a crate or under a harness for travel. Start with short rides. Take your dog to places he likes. Have your dog get in and out of the car by himself as soon as he can.

In one sentence, describe what the following article is about: The surface should be completely flat and level, like a floor or table. Choose something as large or larger than the garment you plan to iron, if possible. It should also be at a comfortable height and near an electrical outlet to plug in your iron. Even if you cover it with fabric, the surface itself should still be heat-resistant. Choose something made from wood, tile, or metal, if possible. Avoid anything made from plastic, which could be melted from the heat of the iron. Never iron directly on the surface! Cover it with heat-resistant fabric, first. Choose a heat-resistant fabric, like linen, wool, or canvas, to do your ironing on. You could also use a thick terry cloth towel or even a flannel blanket. Avoid using delicate fabrics, like lace or rayon, which could be scorched or melted. Plug in and heat the iron to the setting recommended on the garment's care tag. Carefully iron the garment, checking every so often to be sure the fabric and surface do not get too hot. Never leave your iron unattended or laying face down. Be sure to turn off and unplug the iron when you are finished. Wait until the iron has cooled completely before storing it, and take care not to trip over the cord.
Summary: Find a flat, even surface at a comfortable height. Choose a heat-resistant surface like wood or tile. Cover the surface with heat-resistant fabric. Iron the garment carefully.

INPUT ARTICLE: Article: There are many car loan payment calculators available for free online. Take advantage of these free services if you don't want to spend the time calculating your payments yourself. Search "Car loan payment calculator" and you will be provided with many options. If you still want to work it out by hand, continue to the next step. Start by converting your APR to a decimal by dividing it by 100. For example, if your APR is stated at 8.4%, 8.4/100 = 0.084. Next, find your monthly percentage rate by dividing your APR decimal by 12. So, 0.084/12 = 0.007. This is your monthly percentage rate expressed as a decimal. If, for example, your principal were $20,000 (if you borrowed $20,000 to buy your car), you would multiply this by 0.007 (from the previous step) and get 140. The formula is as follows: Monthly Payment = (Interest rate due on each payment x principal)/ (1 (1 + Interest rate due on each payment)^ -(Number of payments)) The top part of the equation (interest rate due on each payment x principal) is your number from the previous step. The rest can be calculated using a simple calculator. The "^" indicates that the figure (-(Number of Payments)) is an exponent to the figure (1 + Interest rate due on each payment). On a calculator, this is entered by calculating 1 + interest rate due on each payment, hitting the button x^y, and then entering the number of payments. Keep in mind that the number of payments is made negative here (multiplied by negative one). In our example, the calculation would go as follows (assuming a loan duration of 5 years or 60 months): Monthly Payment = (0.007 x $20000)/(1-(1+ 0.007)^-60 Monthly payment = $140/(1-(1.007)^-60) Monthly payment = $140/(1-0.658) Monthly payment = $140/0.342 Monthly payment = $409.36 (this number may be off by a few cents due to rounding) This is done by simply dividing your principal amount by the duration of your loan in months. For our example, this would be $20,000/60 months = $333.33/month In our example, this would be $409.36 - $333.33. This equals roughly $76. So, with this loan agreement, you would be spending $76 per month in interest payments alone.

SUMMARY:
Save time by using an online calculator. Find your interest rate due on each payment. Multiply your monthly percentage rate times your principal. Input this number into the monthly payment formula. Calculate the amount of principal paid each month. Subtract your principal paid each month from your monthly payment.