Q: Smoked salmon, sliced thin Hard-boiled wedges or scrambled egg   White bread slices Dill Butter
A: Lightly butter bread slice. Lay smoked salmon slices a top a slice of white bread. Top with hard-boiled egg wedges or scrambled egg. Garnish with dill.

Q: Place the butter in a large, heavy skillet and set the pan on the stove over medium-high heat.  Once the butter completely melts, turn the pan to coat the bottom. If desired, you could use canola oil instead of butter. Allow the oil to heat for 30 to 60 seconds, or until it starts shimmering, before turning the pan and coating the bottom. Add the corn kernels to the hot butter in the skillet. Cook, stirring and tossing occasionally, until it becomes lightly and evenly charred.  If using frozen corn, thaw it before adding the corn to the pan. For a fresher alternative, you could use a large, smooth knife to slice the kernels off four or five fresh cobs. The exact amount of cooking time will vary depending on how often you stir the corn and how charred you prefer it. If you toss the corn infrequently, the process should take 6 to 10 minutes. If you stir it frequently, the process may take 15 to 20 minutes. Add the minced garlic and minced jalapeño to the skillet. Stir to incorporate the new ingredients into the corn, then cook for another 30 to 60 seconds.  If you don't wish to use jalapeño, try using a red chile pepper or other small hot pepper. Regardless of the variety you choose, however, you should still remove the seeds and mince the pepper before adding it.  When ready, the pepper and garlic should both seem lightly toasted and more fragrant. Remove the corn from the heat and transfer the mixture to a large mixing bowl. Add the cheese, mayonnaise, cilantro, chili pepper, and lime juice to the bowl, as well. Toss well to combine.  Cotija cheese is the most convention choice, but crumbled Feta cheese would be a good substitute. You could also use grated Romano or grated Parmesan cheese. Adjust the seasonings as needed to match your personal sense of taste. For an interesting variation, you could also mix in other complementary seasonings and ingredients, like salt, green onion, and avocado. Allow the corn mixture to cool slightly, then enjoy it while it's slightly warm to room temperature. Serve with additional cotija cheese or wedges of lime, if desired.
A: Melt the butter. Lightly char the corn. Add the garlic and jalapeño. Toss the corn with the remaining ingredients. Serve warm or at room temperature.

Q: Strictly speaking, the dividend payout ratio accounts only for regular dividends paid to investors. However, sometimes, companies offer one-time dividend payments to all (or only some) of their investors. For the most accurate payout ratio values, these "special" dividends should not be included in dividend payout ratio calculations. Thus, the modified formula for calculating dividend payout ratios during periods that include special dividends is (Total dividends - Special dividends)/Net income. For example, if a company pays regular quarterly dividends totaling $1,000,000 over a year but also paid out one special $400,000 dividend to its investors after a financial windfall, we would ignore this special dividend in our payout ratio calculation. Assuming a net income of $3,000,000, the dividend payout ratio for this company is (1,400,000 - 400,000)/3,000,000 = 0.334 (or 33.4%). One way that people with money that they want to invest compare different investment opportunities is by looking at the history of  dividend payout ratios that each opportunity has had. Investors generally consider the size of the ratio (in other words, whether the company pays a lot or a little of its earnings back to investors) as well as its stability (in other words, how widely the ratio varies from one year to the next). Different dividend payout ratios appeal to investors with different objectives. In general, both very low and very high payout ratios (as well as those that vary greatly or decrease over time) signal risky investments. As suggested above, there are reasons why both high and low payout ratios might be appealing to an investor. For someone who's looking for a secure investment that's likely to provide a steady income, high payout ratios can signal that a company has grown to the point that it doesn't need to invest heavily in itself, making for a safe investment. On the other hand, for someone who's looking to seize a lucrative opportunity in the hopes of making big earnings in the long run, low payout ratios can signal that a company is investing heavily in its future. If the company ends up becoming successful, this sort of investment will prove to be very lucrative. This can be risky, however, as the company's long-term potential is still unknown. A company that pays out 100% or more of its earnings as dividends might seem like a good investment, but, in fact, this may be a sign that a company's financial health is unstable. A payout ratio of 100% or greater means that a company is paying out more money to its investors than it is earning. In other words, it's losing money by paying its investors. Because this practice is often unsustainable, this can be a sign that a significant reduction in the payout ratio is coming. There are exceptions to this trend. Established companies with high potential for future growth can sometimes get away with offering payout ratios over 100%. For instance, in 2011 AT&T paid about $1.75 in dividends per share and only earned about $0.77 per share. That was a payout ratio of over 200%. However, because the company's estimated earnings per share in 2012 and 2013 were both well over $2 per share, the short-term inability to sustain its dividend payouts did not impact the company's long-term financial outlook.
A: Account for special, one-time dividends. Use dividend payout ratios to compare investments. Pick high ratios for steady income and low ones for growth potential. Beware very high dividend payout ratios.

Q: The living room is often the largest area of a house, but many people use it exclusively as a family or TV room. To open up more space, try dividing your living room into multiple zones with their own unique designs. These quadrants can stand in for rooms that you don’t have enough space for, such as a dining room, playroom, or den.  To partition the area with dividers, purchase large curtains, tides, or free-standing walls and arrange them inside your living room. To create quadrants without using dividers, arrange objects in the room based on their specific function. For most people, a bedroom is a private area that doesn’t easily convert into a family or guest room. However, bedrooms are often the perfect location for a home office, personal den, or other private space. Converting your bedroom into a multi-purpose personal area will open up more rooms throughout your house without removing any privacy.  If necessary, divide the room into quadrants so you have distinct areas for sleeping, relaxing, doing work, and the like. For particularly small rooms, see if your furniture items can serve 2 or more purposes, such as using your bed as a sofa or office chair. Dining rooms make a lot of sense for people that entertain guests regularly. However, they’re a bit out of place in tiny homes that don’t get a lot of visitors. To open up an extra room for more important things, clear out your dining room and eat in the kitchen instead.
A:
Divide your living room into multiple quadrants. Use your bedroom as an office or den. Eat in your kitchen instead of the dining room.