Problem: Write an article based on this summary: Write down the formula. Be careful about rounding results partway through. Calculate your effective interest J. Note the total number of payments N. Calculate (1+J)-N. Calculate J/(1-(your answer)). Find your monthly payment.

Answer: The formula to use when calculating loan payments is M = P * ( J / (1 - (1 + J)-N)). Follow the steps below for a detailed guide to using this formula, or refer to this quick explanation of each variable:  M = payment amount P = principal, meaning the amount of money borrowed J = effective interest rate. Note that this is usually not the annual interest rate; see below for an explanation. N = total number of payments Ideally, use a graphing calculator or calculator software to calculate the entire formula in one line. If you are using a calculator that can only handle one step at a time, or if you want to follow the steps in detail below, round to no fewer than four significant digits before moving on to the next step. Rounding to a shorter decimal could result in significant rounding errors in your final answer.  Even simple calculators usually have an "Ans" button. This enters the previous answer into the next calculation, which is more accurate than calculating it below. The examples below are rounded after each step, but the final step includes the answer you would get if you finished the calculation on one line, so you can check your work. Most loan terms mention the "nominal annual interest rate," but you probable aren't paying your loan off in annual installments. Divide the annual interest rate by 100 to put it in decimal form, then divide it by the number of payments you make each year to get the effective interest rate.  For example, if the annual interest rate is 5%, and you pay in monthly installments (12 times per year), calculate 5/100 to get 0.05, then calculate J= 0.05 / 12 = 0.004167. In unusual cases, interest rates are calculated at a different interval than payment schedule. Most notably, Canadian mortgages are calculated twice a year, despite the borrower making payments twelve times a year. In this case, you would divide the annual interest by two. The loan term may already specify this number, or you may need to calculate it yourself. For example, if the loan term is 5 years and you'll be paying in twelve monthly installments each year, your total number of payments will be N = 5 * 12 = 60. First add 1+J, then raise the answer to the power of "-N." Make sure to include the negative sign in front of the N. If your calculator can't handle negative exponents, instead write this as 1/((1+J)N). In our example, (1+J)-N = (1.004167)-60 = 0.7792 On a simple calculator, first calculate 1 - the number your calculated in the previous step. Next, calculate J divided by the result, using the effective interest rate you calculated above for "J." In our example, J/(1-(answer)) = 0.004167/(1-0.7792) = 0.01887 To do this, multiply your last result by the loan amount P. The result will be the exact amount of money you need to pay each month in order to pay off your loan on time.  For example, if you borrowed $30,000, you would multiply your answer from the last step by 30,000. Continuing our example above, 0.01887 * 30000 = 566.1 dollars per month, or $566 and 10 cents. This works for any currency, not just dollars. If you calculated our example all on one line of a fancy calculator, you would get a more accurate monthly payment, very close to $566.137, or about $566 and 14 cents each month. If we instead paid $566 and 10 cents each month like we calculated with the less accurate calculator above, we would be slightly off by the end of the loan term, and would need to pay a few dollars extra to make up for it (less than 5 in this case).


Problem: Write an article based on this summary: Select some fresh, fragrant roses and rinse them. Pull the petals off and discard the rest of the rose. Place the petals into a saucepan and pour water over them. Cover the pot with a lid and set the heat to "low. Place a strainer over a large mason jar. Pour the rosewater into the jar. Store in the refrigerator.

Answer: The fresher your roses are, the better results you will get. Try to use organic, pesticide-free roses; even though you will be washing them later on, there is no guarantee that you will be able to completely rinse all of the chemicals off. Also, try to use just one type of rose; each type has its distinctive smell, and you may not get good-smelling results by mixing them. Be sure to rinse the rose well to get rid of any dirt, insects, and pesticides. If you wish to use the rosewater for cooking, consider using some edible roses types, such as: Rosa damascena, Rosa Centifolia and Rosa Gallica. You will need enough petals to fill one cup. This should take about two roses, depending on the size of the rose. Make sure that the petals are evenly distributed, and that the water level does not come too far past the petals. If you use too much water, your rosewater will be less fragrant. Consider adding up to one teaspoon of vodka. This will not affect the smell, but it will help preserve the rosewater and make it last longer. " Do not let the water come to a boil or a simmer; using too much heat will ruin the color and other properties. After about 20 minutes, you will see the petals become paler, and the water take on the color of the petals. Make sure that the jar is very clean, and that it is big enough to hold about 2 cups (475 milliliters) of water. You will be using the strainer to catch the petals. Using both hands, hold the pot over the jar and tip it carefully. Slowly pour the water and petals through the strainer and into the jar. The water will pass through the strainer, and the petals will get caught in it. Consider filling a smaller bottle with some of the rosewater. A smaller bottle will be easier to handle than a large mason jar. When you run out of rosewater, simply refill it with more rosewater from the big jar. The rosewater will keep about one week in the fridge. If you added vodka, it should last a bit longer.


Problem: Write an article based on this summary: Trade Latios with a friend, and then trade back (if possible). Fly to the Safari Zone. Use a Super Repel (optional) and walk around the grass outside the Safari Zone. Keep walking through grass until you've fought a few battles. Enter and exit the Safari Zone to change Latios' location. Catch Latios. Chase down Latios if it flees.

Answer:
Before you try to track Latios down yourself, trade with a friend first if you can. When Latios is added to your Pokedex, you'll be able to see its current location at any time, making tracking it down much easier. If you don't have someone to trade with, read on. Have a friend trade you their Latios, and then trade it back right away. You simply need to receive it in a trade in order for it to appear in your Pokedex. This is a good location to try hunting Latios, as it lets you switch areas quickly to change its location. Note: If you traded with a friend, use the location in your Pokedex to find Latios instead. If you are using the Super Repel trick, take one before you start walking around. Otherwise, walk around until a battle starts. If Latios still isn't appearing, you'll want to try changing its location. If you aren't finding Latios, enter and exit the Safari Zone. Every time you change areas, Latios moves to a new route. The goal is to keep doing this until it appears in the grass outside of the Safari Zone. If you traded and are tracking Latios with your Pokedex, don't leave the route that its on until you've found it. Once you've finally started the battle, you'll need to trap and then capture Latios.  If you have a Master Ball, throw it immediately to catch Latios. Make sure to use your trap ability (Shadow Tag, Mean Look) as soon as the battle begins. If you have Wobbuffet, Mirror Coat is very useful as Latios uses a lot of Special Attacks. Use Paralyze to help keep Latios from fleeing. Use False Swipe to get Latios down to 1 HP. Start throwing Ultra Bars as soon as Latios's health is low. Latios will try to run at every opportunity, but once you've encountered it once, you can see its current location on your Pokedex. Travel to its new location and don't leave until you find it again.