Problem: Article: Paying at least the minimum balance on each card every month, on time, is a requirement for maintaining a good credit rating and avoiding additional late fees that will add to your debt. If you can't make the minimum payments, use the tips in Parts 2 and 3, but remember that paying the minimums will not reduce debt. Instead, it helps to avoid late fees, which can add to overall debt. Don't make any new charges on your credit cards, especially on any higher interest accounts or accounts that are near or over your credit limit. If you have to, cut up cards so that you will not use them impulsively. Not adding to debt is just as important as paying debt off. A good tip is to practice just living on cash if possible. Attempt this for one full week to start. Assume that if you cannot afford something with cash, you cannot afford it at all. If you require records and receipts, it is okay to use one credit card and pay completely each billing period. Once you have created a budget that identifies savings to use for credit card payments, make sure you stick with it. Sticking to cash is one of the best ways to avoid impulse purchases that could deter you from sticking to your budget. Your budget takes what cash you earn, and subtracts cash expenses. If you can commit to using cash only, every expense you have for the month should be covered by your incoming cash, which means there is no use for credit. If you find yourself out of cash, it means you were not sticking to your budget. Cutting up credit cards, as mentioned earlier, is an excellent solution to make sure you do not use them for impulse purchases. While closing credit cards can be a tempting option to prevent further usage, it can cause more harm then good. One large aspect of your credit score is what is known as your "credit utilization", which refers to how much of your available credit that you use. By closing cards, you reduce your available credit, and thereby increase your overall credit utilization. This can harm your credit score, and make getting future loans more challenging. A better option is simply to cut up credit cards. In addition, having multiple types of credit (like mortgages, auto-loans, credit cards) improves your credit score. Therefore, by maintaining your credit cards, you are holding an additional type of credit. If you feel you cannot keep the card and not use it, cut it up. You may also want to look into how to improve your credit score.
Summary: Pay the minimum balances on time. Stop making charges. Follow your budget religiously. Avoid closing credit cards.

INPUT ARTICLE: Article: While there's not much you can do as an individual to make public places safer, you can work to make your house more impenetrable to intruders. These measures can help prevent the need to ever have to hide from a murderer in your home. Make sure your doors and your door jambs are made of sturdy steel. If you have glass inserts in or around any of your doors, make sure they cannot be broken. Keep windows closed and locked at night and when you are not in the room. Make sure your home is well-lit at night to deter intruders. Alarm systems can provide excellent security and peace of mind for people at home. They can automatically call for help if someone breaks into your home, and they often scare intruders off. Some alarm systems have panic modes that you can use to make the intruder think you have turned the system off, but secretly contact the police. Ask the company that provides your monitoring services how you can alert them to dangers if there is an intruder in the home. In some cases, you may provide them with a panic word, and in others, simply providing the incorrect password will trigger a response. You may want to invest in security cameras as well. Whether you have an alarm system or not, put up stickers that say you do. This often deters criminals just as much as an actual alarm. It's a good idea to have a designated safe room in your house and to make sure that the entire family knows that this is where you will hide in the case of an emergency. The safe room should have a sturdy door and a strong lock on the inside. You can have a special steel security door installed for extra protection. Make sure the room is somewhere that will be accessible to your family and far from the areas where an intruder is most likely to enter your home. A closet or bathroom near the bedrooms is a good choice. In addition to designating a specific room in your house as your safe room and making sure that the area is secure, it's also a good idea to stock the area with the supplies you will need in the event that a murderer does break into your house. It's a good idea to charge your phone in this room every night so that you will always be able to call for help if you have to hide there. If you have weapons, you may want to keep these in the room as well. If you don't have guns at your home, keep some improvised weapons in this location

SUMMARY: Make your house secure. Install an alarm system. Prepare a safe room in your home. Keep important supplies in your safe room.

In one sentence, describe what the following article is about: Take one of the 16.5 cm by 16.5 cm pieces. This is one of the sides of the dresser. You will need to mark this piece so that you know where to glue the shelves. Use your ruler and pencil to mark where each shelf will need to be placed. Leave exactly 3.6 centimeters between the shelves so that the drawers will fit well. Place the first shelf about two centimeters from the edge. Use the hot glue gun to apply glue to the long skinny edge of one side of a shelf (one of the 16.5 cm by 10 cm pieces). Then, press the edge of the shelf onto the dresser side. Repeat this process until you only have one 16.5 cm by 10 cm piece left. Do not glue the last 16.5 cm by 10 cm piece onto the dresser side. This last piece will be the back of your dresser. Next, apply white school glue to the long, skinny edges of the shelf that you just secured onto the shelf side. Then, take your other 16.5 cm by 16.5 cm piece and press it into place over these shelves. Your dresser should now look like a tiny bookshelf without a back. Wait for five minutes before you attach the back. The white school glue needs to dry first. Next, apply white school glue to the long, skinny edges of the shelves and sides on one side of the dresser. Then apply the last 16.5 cm by 10 cm piece to this side. Make sure that the edges are all well-aligned and press on the piece for a couple of minutes to make sure that it is secured. Wait for at least five minutes before you do anything else with this piece.
Summary: Mark the dresser side piece. Glue the shelves in place. Secure the other side. Attach the back.

In one sentence, describe what the following article is about: It's important that you are confident in your ability to handle a horse. Horses can sense if you're unsure, and might not follow your lead. Before training, make sure that you feel comfortable not only riding a horse, but caring for one. If you're not a skilled rider or handler, that's okay. Take some riding lessons or ask a local stable if they need some help mucking out stalls. The more you're around horses, the more confident you will feel. If you have a new horse but don't feel comfortable training it, you can hire a trainer or ask a friend with more experience to help you. Like humans, horses have different temperaments. Before you start training, spend time just being with the horse and observing their nature. You can watch how they react when someone approaches or when you try to touch them. Slowly allow the horse to get used to your touch by softly touching their face. You can speak softly to them so that they get used to your voice. Some horses are more skittish than others and that's okay. Just know that you might have to spend more time getting them to trust you. As with any training program, it's important to know what you want to accomplish. Before you begin your sessions, take some time to write down what you would like to teach your horse to do. You might include things like: Working on a lunge line. Standing still for the vet or farrier. Tolerating a saddle and bridle. Allowing you to ride them. Loading themselves into a trailer.
Summary:
Make sure are comfortable working with horses. Get to know the horse. Set clear goals and measure your progress.