Q: Have a conversation with the text by writing down your thoughts and reflections in the margins as you read. You may write one or two words to mark your thoughts. You can also jot down short phrases in the margins as they come. As you read, ask yourself questions like, "What is the author trying to tell me as the reader?" "Why is this passage in the text?" "How do I respond emotionally to the text?" As you read, write down any questions you have about the text. Jot them down in the margins or at the bottom of the page. Ask questions about words or phrases that confuse you. Pose questions about ideas that you find hard to follow or do not agree with. For example, you may ask questions like, "Why did the author include this example in the book?" "What is the goal of the author in this passage?" "What is the author trying to say here?" To make the questions short so they can fit into the margins, you may simply put a question mark next to passages you do not understand. Or you may write the questions like, "Goal of the author?" "What is being said?" to keep them short. You can also keep the questions in a separate notebook or piece of paper so you do not clutter up the margins of the book. Use arrows or lines to connect ideas and themes together in the text. You may circle key words on the same page and then link them together with arrows. Or you could highlight a passage and draw an arrow to another passage further down the page. Linking ideas together will help you think critically about the text. It will also deepen your annotations and notes on the text. Once you have completed a section of the book, try to condense the main thoughts and ideas in the section with a few key words. Write these key words at the bottom of the page so you can return to them later. For example, you may summarize a passage in the book with key words like "power," "female sexuality," and "Freud case study." You can keep your summaries in a separate notebook or piece of paper so the margins do not become cluttered with your notes.
A: Reflect on the book in the margins. Make a list of questions you have about the book. Link ideas together with arrows. Summarize each section at the bottom of the page.

Q: With many fish, like koi, females tend to be larger than the males. This is especially true during spawning time, when females have large abdomens. To check the size of a fish in the same species, you can look at them when they're near each other, take a picture of each one, or catch one in a net to quickly use a ruler to measure its length and width. This is often caused by the fact that the female carries the eggs in her abdomen. Once the eggs are laid during spawning season, the females and males can return to the same size. If you catch a fish with a net to measure it, try to keep the fish in the water and place the ruler in the water to measure it. You will likely be able to get a general idea of the length and width. Look carefully at the face of the fish just between the eyes and above the mouth. If it has a large, protruding bump, there's a good chance that the fish is a male. This bump is called a "nuchal hump," and it's present on many types of fish, like the tilapia, angelfish, oscar, and discus. Some species of fish don't have a nuchal hump, but the presence of one is normally a great indicator that you have a male fish. Male fish tend to grow bristles, bumps, or shiny scales during breeding season to attract females. Females can sometimes also grow these attributes, but the male versions tend to be larger and more pronounced to attract attention. For example, male pleco fish will grow long bristles on their pectoral fins and around the edge of their mouth and head. While females can grow similar bristles, theirs tend to be smaller.
A: Compare the size of the fish during spawning season. Look for a bump on the forehead of the fish to identify a male. Watch for designs and growths during mating season.

Q: This may be blight, which is a disease that can cause your plant and the potatoes to rot. If left untreated, it will also spread to your other plants. Blight usually happens during the warm humid times of the summer. Remove all diseased foliage. Treat the plant with a fungicide that is sprayed on the leaves. This is called potato scab and won't affect the taste of the potatoes. However, it will affect the storage potential of your potatoes, so you may not be able to store your crop for long. It is generally caused by poor soils and is best treated by amending the soil with organic matter and keeping potatoes regularly watered during the season. Slugs will eat the foliage and the tubers of the potato plant. You should be able to see the slugs on the plant, and their slime trails will be noticeable on the leaves. Bury a tuna can level with the soil and pour beer into the can, this will attract and drown the slugs. Slug pellets or Sluggo can also be used to kill slugs.
A: Look for dark blotches on leaves. Check for scabs that look like corky blemishes on the potato skins. Watch for slugs.

Q: Credit card terms can be confusing to navigate for many, so understand what a finance charge is and how it affects you. A finance charge is what allows credit card companies and lenders to make a profit off of you. It's more or less a fee charged for the use of your credit card. Finance charges on credit cards, mortgages and car loans have ranges that depend on a borrower's credit score. A finance charges is the total cost of borrowing, including interest, fees, and any other charges the borrower pays. Knowing the finance charge of your credit card can help you budget better and determine how much money you're really saving with a particular credit card. Most banks calculate a finance charge using one of two methods: one-cycle finance charge including purchases, or one-cycle finance charge not including purchases. The methods require a different means of calculation. The name of the methods your creditors use should be listed somewhere on your monthly statement. You need to identify the method before you proceed to calculate your score. A variety of numbers go into each equation for calculating a finance charge. Before you sit down and being punching numbers into your calculator, make sure you know the following information: The outstanding balance on your credit card. That is, the total amount you owe. The number of days in each billing cycle. Please note, that depending on the method your bank uses you may need to calculate new purchases into your outstanding balance and not just go off of whatever's written on your bill.
A:
Know what a finance charge is. Figure out which method your bank uses. Gather the necessary numbers.