Write an article based on this "Take Advanced Placement classes and exams in high school. Get CLEP credits. Look for schools that offer prior learning credit, if you have work experience. Find out if your college offers placement exams. Talk to your adviser about challenging prerequisites."
article: AP classes and exams are a great way to earn college credit before you start college. After you complete an AP class, you can take an exam in that subject to assess your understanding of the material. A high score on an AP Exam can translate to college credit, meaning you don't have to take as many courses in college. Talk to your school guidance counselor or AP teacher about whether AP classes are right for you. While there is a fee for taking an AP Exam, many high schools offer assistance for students who have trouble paying the fee. Talk to your school counselor or AP Coordinator about applying for a reduced fee. CLEP, or the College Level Examination Program, allows you to earn college credits for things you already know. This could be knowledge that you picked up from high school, work experience, or studying on your own. In order to get CLEP credits, you will need to take a CLEP exam. Talk to your high school counselor about how to take a CLEP exam, or visit the CLEP website at https://clep.collegeboard.org/ to find a test center near you. Before taking a CLEP exam, make sure that the college(s) you are interested in accept CLEP credits, and find out how those credits are applied. The College Board offers free online courses to help you prepare for taking a CLEP exam. Currently, there are 33 different CLEP exams which cover a variety of topics, including business, literature, foreign languages, math and science, and history and the social sciences. There is a $85 fee for taking each CLEP exam. Some colleges or universities will offer credit for knowledge and experience that you gained from working. This is a great option for non-traditional students who have spent time in the workforce before starting or returning to college. Prior learning credit policies vary from one school to another. Speak to an admissions officer or search your prospective school's website for information about credit for prior learning. Depending on your school's policies, you may need to take an exam or create a prior learning portfolio in order to get prior learning credit. Requirements vary from one school to another, but many colleges or universities let you "test out" of some basic general education courses based on proficiency tests or placement exams. Placement tests usually assess your most essential skills, such as math, reading, and writing. Check with the admissions office at your college or university to find out about their placement test policies. For example, if you ace the algebra portion of your math placement test, you may be able to jump straight into pre-calculus. If you can demonstrate sufficient background knowledge, you may be able to convince your adviser, department head, or course instructor to let you skip prerequisite courses even if there is no formal way to "test out." Work closely with your academic adviser to determine which courses you can skip. Every school has different policies when it comes to challenging prerequisites and other course requirements. Policies may also vary from one department to another. Talk to your adviser to find out how it works in your program.

Write an article based on this "Compile a spreadsheet of all your bills. Separate your bills by type. Rank the unsecured bills by APR. Consider a balance transfer. Set up a payment plan. Consider closing unnecessary accounts."
article: Using either Microsoft Excel or free online tools like Google Sheets, include information like your current monthly payment, the minimum monthly payment, the monthly due date, and the interest rate being charged (if applicable). This spreadsheet will help with your bill consolidation but will also be a handy reference for future budgeting! Record more information (account balances, credit limits, accounts numbers) to create an even more complete spreadsheet of your current bills. The more information you have in front of you the better. Now create a way to differentiate your debts by payment terms and status. The following are common types of debt that can help you categorize and prioritize your debt: Secured debt is secured by collateral, such as your mortgage loan being secured by your house. This collateral can be repossessed if you do not make your payments. You should usually pay secured debt first. Unsecured debt uses no collateral, such as many credit cards or a personal loan. These usually have a high interest rate as they are a bigger risk to the lender. Fixed interest rate debt means you pay the same interest rate for the life of the loan. Variable interest rate debt means the interest rate may vary for the life of the loan, going either up or down. Fixed repayment term means the debt must be paid within a certain time period or by a predetermined date. Variable repayment term means there is no predetermined end date by which you must pay back the loan. A deductible loan, such as a mortgage or student loan, has some tax benefits. A deductible loan, such as a credit card, has no tax benefits attached. Gain some immediate insight into your current financial situation by looking at which debts/bills are charging you the highest annual percentage rate (APR). APR is a combination of your interest rate as well as any additional costs or fees. These will be the first priority to consolidate and/or pay off since they are costing you the most money. Prioritize your payments. Now that you can see which debts are costing you the most, focus on putting any extra money into those debts first. Anything above the minimum payment on a debt will help to pay down the debt faster, but note that you'll need to keep paying at least the minimum on all your bills to avoid costly late fees. You may be able to transfer your high interest rate account balances over to lower (or zero) interest rate credit accounts. This process is called a balance transfer. Balance transfers are usually limited by your current credit rating; it can difficult to qualify for the lower-rate credit card offering the balance transfer. In addition, balance transfer terms may contain harsher penalties. One late payment may be enough to rescind the original interest rate and raise it to one higher than what you were paying before you executed the transfer. Lastly, balance transfers typically charge a percentage fee on each transaction and these fees will add to your total cost. For more detailed information on balance transfers, read How to Apply for a Credit Card Balance Transfer and How to Find Credit Card Balance Transfer Offers. One risk here is that you'll transfer the account balance, then run the original debt back up, effectively doubling the debt. Avoid this by closing the original debt account. Watch for offers from your bank or other banks guaranteeing a specified time frame in which you won't be assessed an interest rate on new balance transfers. Use your spreadsheet and your priority list to make a plan and follow it. Setting up automatic payments or other reminders is a great way to avoid being late and incurring more fees. It also simplifies your life and is one less thing to remember. If your account balance is zero you may want to close those accounts; however, keep in mind that canceling a credit card can negatively affect your credit score. If you don't think you'll be too tempted to use the card in the future, go ahead and keep the account open and just don't use it.

Write an article based on this "Become comfortable displaying your affection gradually. Engage in activities that encourage physical closeness. Cherish cuddling. Hold hands as a sign of affection. Kiss as a display of passion, but don't take individual kisses too seriously. Be playful! Stay happy and healthy."
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If you're not experienced performing physical acts of affection with your sweetheart or significant other, don't dive into the deep end! Doing so is a sure-fire recipe for confusion and hurt feelings. Instead, take your time building up your sense of physical intimacy with your partner by starting with small (but meaningful) displays of affection and gradually proceeding to more serious forms of affection. Remember, the emotions involved with physical intimacy are very potent and very real, so be sure not to rush into intense forms of physical intimacy until you're comfortable with less-intense ones. If you're not sure of how to begin your physical relationship with you partner, start small. Doing something that requires both of you to be physically close to each other is a perfect way to ease in to the habit of being physically affectionate with your partner and can even be a "launching pad" for other physical activities. Try snuggling up together for a movie, riding a roller coaster together, riding a motorcycle, swimming together, or jet ski, or anything else that requires two people to cozy up to each other. Even simply sitting so that the side of your leg is touching your partner is more affectionate than not doing so. Everyone has to start somewhere! When you're comfortable being in each other's personal bubbles, you and your partner will probably naturally begin to cuddle or snuggle. Lounging as you embrace your significant other is a great, highly underrated way to relax with your partner as you strengthen the physical bond between you. Don't write off the time you spend cuddling with your partner - as your relationship grows more serious, you may begin to wish you had more time for it. Holding hands can sound childish and innocent to the experienced Lothario, but it's great as a simple show of affection, especially in situations where more overt displays may be inappropriate. For instance, this gesture is a socially-acceptable way to display affection in public, where actions like making out can be considered obnoxious. Holding hands is also something to do when other romantic gestures are impractical, like when you're stuffed into the back seat of a cramped car. While hand-holding may not be the most fiery, exciting form of physical intimacy, it is certainly the most versatile. This is it - the big moment! Kissing your significant other is a big step up from hand-holding and cuddling. It's a way of showing that you really care for and desire him or her, so your kisses should have feeling behind them. Ideally, the first time you kiss your significant other, you should be so filled with longing that's hard not to do it. Of course, it's pretty unrealistic to assume that every couple is going to have a perfect first kiss, or, in fact, perfect kisses most of the time, so don't put too much stock in any one kiss. Rather treat kisses as the fun, mutually enjoyable, but serious displays of affection that they are. The prospect of engaging in physical intimacy with your significant other shouldn't be intimidating - if it is, you may need to have a frank discussion with him about your intimacy issues. Physical intimacy should be an opportunity not only to display your affection for your partner, but also simply to have a good time with him or her, so consider keeping your shows of affection light and playful. "Teasing" your partner is a sure-fire way to lighten the mood - try playful tickling while you cuddle or withholding kisses during a makeout session. As long as teasing is done in good humor and with consideration for frustration or hurt feelings on your partner's part, it's a great way to infuse any act of physical intimacy with playful passion. It bears mentioning that your attitude isn't the only thing that affects your ability to have an emotionally intimate relationship with your partner. Your physical and emotional health also factor in to your sense of intimacy with your partner. For instance, good hygiene is a must. There's no way around it - no matter how romantic you are, if you stink, your physical intimacy will suffer. You'll also want to put effort into your physical fitness so that you'll look and feel your best when you're with your partner. On the emotional side of the intimacy equation, you'll want primarily to deal with significant sources of stress in your life as they arise, as stress can have a profound negative impact on your ability to enjoy physical intimacy sessions. Exercise regularly. Research has proven that regular exercise literally makes you feel better by releasing chemicals called endorphins into the brain. These endorphins help produce a euphoric, satisfied sensation, ensuring that you're in the right mood for physical intimacy. As an added bonus, regular exercise can help you get more fit and attractive! Don't be afraid to talk to others - including trained professionals - about any mental stresses you're dealing with in your life. In addition to friends, loved ones, and trusted authority figures like teachers and priests, counselors can help you talk through any issues that are causing you stress and/or interfering with your ability to have satisfying physical intimacy.