Q: To understand how best to pay down your debt, you first need to understand how much you owe. Add together all your debts, including credit cards, short-term loans, student loans, and any mortgages or auto financing you have in your name. Look at your total debt numbers to help you understand how much you owe and how long it will realistically take to pay it off. Debts like credit cards tend to have higher interest rates than things like student loans. The longer you carry a balance on high-interest debts, the more you ultimately pay. Prioritize paying down your highest-interest debts first, making minimum payments on other debts and putting extra money into your top debt priorities. If you have a short-term loan (a car loan, for example), pay that down, too, as quickly as possible. Such loans can become very expensive if not paid off in full and on time. When you pay off a credit card balance, don't roll that payment amount back into your discretionary funds. Instead, roll the amount you were paying into your next debt. If, for example, you finish paying off a credit card, take the amount you were putting toward that card and add it to the minimum payment you've been making on another card or a student loan. The point is that you want to eliminate all recurring, long- and short-term debt as soon as possible so that you can live interest-free.
A: Figure out how much you owe. Prioritize high-interest debts. Go straight from paying off your highest-interest debt to paying off your next-highest-interest debt.

Q: You want your management plan to look professional. It should be free of spelling and grammatical errors as well as any typos. It should be printed on white paper that is unwrinkled and free of stains. The formatting of the management plan should be the same as the rest of your business proposal. You may choose to mark off major sections with bold headings. The font should be readable. Times New Roman font at 12 point size is standard. You can use bullet points to list experience, abilities, and responsibilities, or you can have short paragraphs providing all of the essential information. The more people who read your plan, the better. A business consultant or financial planner will be able to provide better advice once you have a draft of your management plan than before. Sit down with the consultant. They may be able to identify any holes or conflicts you have in your business plan. It is important that all owners and high level managers of the company agree on the management plan. Make sure that each owner has a copy. They may send you edits and revisions. Consider these carefully. If you disagree with any of their changes, sit down with them so that you can find a compromise for your business. When they approve, have all owners sign the plan before you submit it to your investors, bank, or fundraising bodies. Any management plan you create will be untested and will likely need revision as you begin to implement it. Therefore, you'll need to include provisions by which the plan can be amended and revised throughout its life. Start by creating a schedule for assessment, stating times at which a group will meet to discuss the effectiveness of the plan and the success or failure of its implementation. Make sure there is a way for all management and employees to submit their feedback regarding the plan. Then, create a method by which changes to the plan can be approved and instituted.
A: Proofread your plan carefully. Format your plan for clarity. Consider asking a business consultant to look it over. Send it out to all owners. Make a commitment to amend your plan as necessary.

Q: If you are giving a planned toast at an event, spend a few moments discussing the toast with the bride or groom (in the case of a wedding) or someone closely involved in the planning. Ask them what subjects, if any, they would like you to discuss in particular as well as any subjects they want you to avoid. They can also give you some insight regarding who will be attending the event. You can also express your reservations to the toastee if you would like to participate but are too nervous to do so. Just because you are asked to give a toast does not mean you have to, especially if you suffer from social anxiety. Find out when you will be asked to speak and who will be going directly before you, if there will be a series of toasts. If you are giving a spontaneous toast then you don't need to worry about order and will instead want to look for a good time when you can get everyone's attention. Rehearsal dinner toasts are usually informal with the hosts generally addressing everyone followed by anyone else who wishes to jump in. At a wedding, the best man and maid of honor offer the first toasts followed by the bride and groom. The parents then have a chance followed by any of the guests. At a casual dinner party it is best to wait until the dinner or first course plates are collected before you offer a toast. Short toasts are the best toasts. A wedding toast should last for right around 3 minutes. If you hit 5 minutes, you have gone too long. It is best to keep a dinner party toast at a minute or less. You want to keep your audience curious for more, not begging you to wrap up. Make sure that both the content and how you deliver the toast suits the occasion. It is okay to make a few jokes, but don't include anything too lewd. It's also a good idea to avoid cursing so you don't risk offending random attendees. If you are really worried, run your toast by the bride or groom to gauge their reaction and ask for feedback. It is hard to establish a clear line for lewd humor, but most people find discussing sex or the wedding night to be in poor taste. Toasting practices vary across cultures, so if you are planning on giving a toast at an unfamiliar locale you may want to research the norms beforehand. Even the placement of your glass matters. For instance, in China you try to keep your rim lower than others in order to show deference and respect.
A: Talk to the toastee. Know the speaking order. Understand any time constraints. Be aware of the atmosphere. Know the local customs and etiquette.

Q: Check the amount of carbohydrates on the nutrition label. Sports drinks do not usually label the percentage of carbohydrates in the drinks so you will need to calculate it for yourself. Convert serving size from fluid ounces (oz) or mL to grams (g). For fluid oz, divide the amount of oz by 0.03527 to get the amount in g. To convert mL to g, divide the amount in mL by 1. Calculate the percentage of carbohydrates in a serving size by dividing the amount of carbohydrate in the drink by the serving size in grams and multiplying by 100.
A:
Calculate the percentage of carbohydrates in a sports drink.