INPUT ARTICLE: Article: Getting a lower interest rate is usually just a matter of negotiating. To be successful, all you have to do is come prepared. Know how much money you want, how much interest you'd like to pay, and what rate is going to be too high for you to make a deal before walking in or calling up. Financially stable people with decent (650+) credit scores have the best chance to negotiate rates. Call up your credit card company and let them know that you've found better rates on other cards. If you're a regular customer who pays on time, they will likely try to keep your business. Talk to your banker about the lowest possible rate they can give. Research other options so you can point to other offers. Be wary of variable APR or interest -- it may look appealing at first, but these "deals" often turn into exorbitantly high interest rates after 1-2 years. The accrual rate determines when interest is added to principal. So, if it is really high (such as daily) it means that whatever interest is unpaid at the end of the day gets added to principle. This means the next month's interest payment will be even higher since you have a higher principle. For example, note how a $100,000 loan with a 4% interest rate is compounded three different ways: Yearly: $110,412.17 Monthly: $110,512.24 Daily: $110,521.28 Remember that interest is taken as a percentage of principle. Simply said -- the more you owe, the more money you pay in interest. If you can pay off some of the principle every month along with the interest, you may not lower your rate. But you will definitely lower your payments. Interest can be thought of as the cost of borrowing money. Either you pay someone for it, or your bank pays you to "borrow" the money in a savings account. Either way, you should know the rates before signing any paperwork. Auto: 4-7% Home: 3-6% Personal Loans: 5-9% Credit Cards: 18-22% Payday Loans: 350-500% . The safer an account is, like a savings account, CD, or bond, the less money it usually returns in interest. That said, this sort of guaranteed, but slow growth, can be powerful when saving for retirement. Other accounts with higher interest rates will make you more money, but with more associated risk or stipulations attached. Savings Accounts: 1-2% CD 1-2% US Bonds (over 30 years): 3-4% 401k & IRA: 6-10%

SUMMARY: Talk to your bankers to negotiate a lower interest rate. Choose a less-frequent accrual rate to pay less in interest. Pay more than your interest whenever possible, no matter the interest rate. Monitor common interest rates before getting a loan. Know the interest rates on any investments to money wisely.

INPUT ARTICLE: Article: You can load ROMs using the file menu. The Options menu will let you set your video, sound, and controller configurations. In the Options menu, select Configure Input. This will let you set what key on the keyboard is assigned to what controller function. You can also setup a PC game controller to act as an N64 controller. When a ROM is loaded into the browser, you can double-click it to start playing. If the ROM is a valid file, it should begin playing. Take note of how well or poorly it runs. Make settings to adjust the playback of the ROM. In the settings you can adjust resolution, anti-aliasing, and more. Lowering the resolution may increase performance at the expense of visual clarity. Anti-aliasing will smooth out the images, but will lead to worse performance on older systems. Mess around with the advanced settings to find a configuration that runs best on your machine. If you need to, you can reset the settings to default.

SUMMARY: Learn your way around the program. Configure your inputs. Play a ROM. Adjust your video settings.

INPUT ARTICLE: Article: If you've decided to forgive and move forward, one of the best ways to let go of resentment, anger and suspicion is to remind yourself of all of the wonderful things this person brings to your life. There's probably a reason hopefully a lot of reasons why you stayed in the relationship. Think about those as you begin to let the other person in. It's hard to do, and it's not necessarily expected of you, but it will help save the relationship if that's what you want to do. Try to imagine what drove the person to betray you, indirectly or directly. Try to think about how the person feels at this very moment. You shouldn't make any decisions just because you pity someone, but showing empathy is an olive branch that will mean a lot to the other person. Be clear about your feelings, and give the other person a chance to speak. At the same time, know that asking for specific details can make the pain even worse. This can make the healing process even harder. Discuss the event. Explain how you interpreted the event and why you were hurt. Avoid accusatory language. Give the other person the opportunity to explain the situation from their perspective. Establish your expectations and ask what is expected of you. This will help clarify the cause of the current problem, as well as avoid future disagreements. Don't expect to get through talking about the incident in one sitting. Make that clear to your friend or partner. The healing process is going to take some time, and that person should be prepared to talk about it for some time. If they're not prepared to, that's a sign that they may not care as much about mending the relationship as you do. Often, hurtful behavior has much more to do with the other person than it does with us. Rather than face their own issues, people project them onto a close friend, family member or partner. If the incident was borne of the other person's insecurity, help him or her deal with the pain. This will help you view the incident with compassion and help you to forgive. Here are a few examples of hurtful behaviors that are not personal attacks: Someone makes a snide comment about your appearance because he or she feels unattractive. A partner flirts to feel desirable, not because you are unloving or unlovable. A friend is hyper-competitive because she feels inadequate. You are sabotaged by a co-worker because he fears his work is inadequate. If you fear the relationship or friendship just isn't going to work, but want to try anyway, you may as well throw in the towel right now. If you decide to give it another try, believe that it will work, not because you want it to, but because the other person has earned it. Don't constantly live in fear of the same betrayal happening again. Try to get back to normal as much as possible. If you find yourself living in the constant shadow of the betrayal, that's a sign that it's time to get out both for your sake and for the other person's. Likely, forgiveness gave you the opportunity to be a kind and more responsible human being. Forgiving another allows you to pass that gift on to someone else.

SUMMARY:
Focus on all the positives of the relationship. Try putting yourself in their shoes. Talk about the incident. Depersonalize the incident. Try to keep a positive outlook on things. Recognize that we all make mistakes and think about the times you've received forgiveness.