In one sentence, describe what the following article is about: Check with your state or national government's business regulatory agency to find out what type of licensing is required for you to practice as an independent sales rep in your area. Make your business as professional as possible:  Design a simple logo or ask for help from graphic designer friends. Hand out business cards and other informational materials that are appropriate for your industry. Create a website that lists your available products, credentials, and contact information. Set up and manage social networking accounts. Contribute to industry-related online forums, and create a blog. Be sure to include a link back to your website in all of your forum, blog and social networking posts. Always be on the lookout for more potential buyers and new markets. Keep yourself educated about your chosen industry so that you can be a more competitive and attractive potential sales agent for both manufacturers and buyers.  Attend conferences, seminars and trade shows related to the industry you are interested in and approach vendors about possible independent sales opportunities. Attend networking events. Find events related to your industry in the local classifieds, in the community section of classifieds sites like Craigslist and on websites like Meetup.com. Meet as many people as you can, hand out business cards and follow-up with useful contacts. Advertise your independent sales rep offerings in newspapers, magazines, trade publications, classifieds websites and industry-related web directories. For example, if you choose to represent a computer hardware manufacturer, you can advertise in technology magazines and in the technology section of your local newspaper. As you continue to grow your customer base and become a more reputable presence in your industry, you might find yourself ready to hire others to work for you. Before starting a multi-person agency, think about how reputable and reliable your services and accounts have been to date. Don’t think about expanding unless you have multiple accounts that you know for a fact will continue to be good sources of revenue.  When expanding your business, craft a business plan with reasonable expectations and specific objectives. Designate specific accounts or products that you’ll delegate to new hires. Use these estimates to decide how many sub-agents you should hire. Set specific goals for your new hires and their assigned accounts. Using your past income, forecast conservative expectations for commissions generated. When added sub-agents to your business, focus on customer service. Make sure that anyone you add to your team will deliver the same high quality service that brought you success.
Summary: Create your business. Develop an online presence for your business. Continue to expand your customer and knowledge bases. Hire sub-contractors or sub-agents.

Fill a spray bottle with half white vinegar and half water. Then, apply the spray to any cracks or crevices in the floors, walls, or windows of your home, as well as on the window sills. Do this once a day to repel spiders.  Vinegar may kill spiders if they come into direct contact with them, but even if you don't spray the spider directly, it can help ward them off. Do not apply the spray to any varnished surfaces, as the vinegar may damage them. These essential oils are a great natural way to deter spiders from hanging out in your home. Put 15-20 drops of essential oil in a spray bottle with 3 to 5 cups (710 to 1,180 ml) of water and spray your home once a day for a natural spider repellent. Swap out different essential oils in the spray so the spiders do not get used to the scent of 1 particular oil. Lemon and orange peels are a natural deterrent for spiders. Rub floorboards and window sills with the peels once a day so the smell lingers. You can also have a bowl of citrus fruits in your kitchen to keep spiders out of this area.  Be aware that this could strip the paint off of your windowsill, so if you do try this, test it in an inconspicuous area first. You could also try placing citrus peels near your window sills and doorways to discourage spiders. Horse chestnuts have a smell and texture that deters spiders. You can buy horse chestnuts at your local natural food store or online. They tend to last a long time and require no upkeep. Spread 4-5 horse chestnuts in each room, especially near windows, to keep spiders away. The scent of cedar is a natural deterrent for spiders. Look for cedar chips or blocks at your local hardware store or online. Spread the chips or blocks in the corners and windowsills in your home to keep spiders out.
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One-sentence summary -- Use a vinegar and water spray on cracks or crevices in your home. Apply essential oils like peppermint, tea tree, and cinnamon. Rub citrus peels on the floorboards and window sills in your home. Put horse chestnuts in the corners and window sills in rooms. Spread cedar chips or blocks in your home to keep spiders away.

Problem: Article: Some lenders may only charge you a fixed monthly interest, which can allow you to apply additional payments toward the principal amount. However, other lenders may charge you interest on every payment you make. Ask your lender if you can make additional payments toward the principal amount of the loan without having to pay interest. If so, you can plan to make small, additional payments toward the loan each month and pay less in interest over the life of the loan.  An example of the difference between the kinds of interest you pay is: if you have a $100 payment due every month with $4 interest that means you pay $104 per month. What you need to find out is if that $4 is a fixed amount per month, which would mean no matter how much you might pay on the principal ($100, $200, $300) you still pay just $4 monthly interest. If, however, they charge interest on every payment, you would end up paying 4% interest on whatever you are putting down on the principal -- $8 if you chose to pay $200 instead of $100, for example. Even if you have to pay interest on each payment, it is usually worth your while to make extra principal payments to pay your loan off faster. Use a check or pay online to make an extra payment per month, that is separate from your regular car loan payment. Write “Principal Only” on the check so that the lender will not count it toward your loan payment for the next month. If you are paying online, pay the extra principal amount before you are billed for the next month. Instead of making one monthly payment, split it in half and make payments every two weeks. This typically works out to twice per month, but by the end of the year you will have made two more biweekly payments (one full payment) because most months are longer than an exact 4 weeks. In other words, make 26 half-payments per year (every other week for 52 weeks) that will equal 13 full payments, rather than the 12 you would've otherwise paid. This means that the total amount you owe will go down faster, saving you interest on the loan.
Summary:
Determine if you can make additional payments to the principal balance only. Make a separate payment for principal. Make biweekly payments.