Article: If you don't understand a part of the contract you're signing, don't sign it. Ask the dealer to explain. If they consciously mislead you about a part of the contract, they could be subject to major fines and even jail time. Take your time to go through any contract or worksheet the dealer sends you and double-check that it doesn't contain any funny stuff. Unscrupulous dealers will sometimes increase an agreed-upon interest or add a warranty to your car without telling you. This is illegal, and it's called "packing payments." It's easy for the dealer to change your monthly payment from $347 to $357 because it's difficult to spot and it's "only" $10. But that $10, over the life of a 48-month loan, becomes almost $500 for the dealer. Don't get scammed by packed payments. Like soda at a fast-food chain, extras are where the car dealerships make a lot of extra profit. Ask yourself what is truly necessary and what is merely satisfactory. At the end of the day, do you really need rustproofing or LED lights on your brand new car, or are you just too tired to put up a fight? If you see your salesperson brandishing a four-square worksheet, tell him you'll walk away unless he puts it away. Four-square worksheets are pieces of paper that salespeople whip out in desperate attempts to fool the buyer. Essentially, here's how they work: The sheet in divided up into four quadrants: Trade-in value; purchase price; down payment; and monthly payment. The salesperson keys in on what you're most concerned about (maybe it's lowering your monthly payment), and reduces the payment in one square while increasing the payment in another. The worksheet looks logical, but it's more like a three-card monte trick. The dealer uses this piece of paper principally to confuse you. Shrewd salespeople will come up to you and ask you how much you want to pay a month for a car. Agreeing to a monthly payment before you've agreed on a final price of the car is a certain recipe for paying way more than you need to. Think about it. If a salesperson gets you locked into a monthly payment first, he can massage the final price of the vehicle depending on how many months he uses. That's not good. Always agree on a final price before talking monthly payments. People who sell cars are a different breed of salespeople. They can be very adept at manipulating emotion in order to close a sale. It's a good idea to try not to let emotion get in the way of making a huge financial purchase, especially when that emotion is being staged by a salesperson. For example, don't let them harass with something like: "You don't haggle with the cashier at the supermarket for a gallon of milk do you?" They are simply trying to guilt you into doing things their way. Respond by saying that in the grocery store, you don't have to worry about paying more for milk than the person before you did. Tell them that no-one has ever financed a gallon of milk.
Question: What is a summary of what this article is about?
Never sign a contract without double-checking. Don't buy unnecessary extras. Don't get cajoled by four-square worksheets. Don't focus solely on the monthly payment. Don't let a car salesperson make you feel bad.
Article: The "armor of God" refers to a set of metaphorical spiritual armor that Christians should wear at all times to protect themselves against Satan.  The whole armor of God is described in Ephesians, 6:10-18. The passage instructs you to "Put on the whole armor of God, that you may be able to stand against the wiles of the devil" (Ephesians 6:11). In essence, arming yourself with the protection and weapons offered to you by your faith in Christ, will allow you to stand strong and hold out against evil attacks of a spiritual nature. Ephesians 6:14 states, "Stand, therefore, having girded your waist with truth."  The opposite of the truth is a lie, and Satan is often referred to as the "father of lies." Arming yourself with the "belt of truth" means protecting yourself from the evils of deception by clinging to the truth. In the Bible, Jesus refuted Satan's temptations in the wilderness with truths from Scripture. You can also do this; quote Scripture to refute the lies of Satan.  To cling to the truth, you must seek the truth in all things and speak the truth to all people, including yourself. Don't let yourself be deceived about anything. The second part of Ephesians 6:14 refers to the "breastplate of righteousness."  "Righteousness" refers to the absolute righteousness of Christ, not the halfhearted and fallible righteousness of mankind. Through your faith, you must rely on the righteousness of Christ to protect your heart against spiritual attacks just as a physical breastplate would protect your heart in a physical battle. If Satan tries to tell you that you aren't righteous, quote Romans 3:22, "This righteousness is given through faith in Jesus Christ to all who believe." Ephesians 6:15 instructs believers to "shod your feet with the preparation of the gospel of peace."  The "gospel of peace" refers to the gospel or good news of salvation. Preparing your feet with the gospel of peace suggests that you will need to take this gospel as you travel into enemy territory. By stepping forward with this gospel, your soul is protected with each step. As Scripture says, "Seek first the kingdom of God, and all these things will be added unto you." This includes spiritual protection from Satan. You are also instructed in Ephesians 6:16 that, above all, you should take "the shield of faith with which you will be able to quench all the fiery darts of the wicked one." Faith is an absolute essential to have when engaging in spiritual warfare. Like a shield, faith can protect you against otherwise piercing attacks launched by the enemy. When Satan tries to tell you lies about God, remember to keep your faith that God is good, and that He has good plans for you etc. As Ephesians 6:17 states, "take the helmet of salvation."  The salvation spoken of in this passage refers to the spiritual salvation Christ offers through His death and resurrection. A helmet of salvation can be interpreted as the knowledge of spiritual salvation. Just as a physical helmet protects the brain, the helmet of salvation protects the mind from spiritual attacks and false claims that would turn your mind away from God. The second half of Ephesians 6:18 instructs you to take "the sword of the Spirit, which is the word of God."  The sword of the Spirit is directly described in the passage as the Word of God, or the Bible. To yield the sword of the Spirit, you need to have an understanding of the Bible. Your knowledge of scriptures can then be used as a rebuttal to spiritual attacks. Hebrews 4:12 says, "For the word of God is alive and active. Sharper than any double-edged sword, it penetrates even to dividing soul and spirit, joints and marrow; it judges the thoughts and attitudes of the heart." The verses regarding the whole armor of God finish with Ephesians 6:18, which states that you should be "praying always with all prayer and supplication in the Spirit, being watchful to this end with all perseverance and supplication for all the saints."  In choosing these words to wrap up the passage on the armor of God, the Apostle Paul highlights the importance of relying on God for spiritual strength through the practice of steady and ongoing prayer. The Bible tells us to "pray without ceasing." Continually pray over every situation in your life for God's protection and help. The armor of God is a set of tools and protection that God grants believers, but it is the power of God that the believer must ultimately rely on.
Question: What is a summary of what this article is about?
Know what the “armor of God” is. Wear the belt of truth. Put on the breastplate of righteousness. Slip on the sandals of the gospel of peace. Grab the shield of faith. Don yourself with the helmet of salvation. Wield the sword of the Spirit. Pray in the Spirit.