Problem: Write an article based on this summary: Let the henna paste dry for two to three hours. Remove the henna tattoo if you need to.

Answer: Before doing anything, allow the tattoo paste to dry thoroughly before touching any part of the tattoo. Depending on what kind of climate you are in, whether it is hot or cold outside, this timing will differ. You should notice the dry paste harden and begin to crack. Because henna tattoos last one to two weeks after application, you may want to remove the stain early. If so, there are several methods to effectively remove the henna stain:  Dip your hand in warm water and gently rub the stain until you notice it fading. This method may take some time and effort. Try using antibacterial soap while you scrub in between soaks. Go swimming. Chlorine and water rid your body of henna stains very effectively. Soak your hand in salt water for 20 to 30 minutes. The salt will help diffuse the henna stain.


Problem: Write an article based on this summary: Locate a USB port on your computer. Plug your iPhone or iPod cable into a USB port. Determine the type of charger cable you have. Insert the other end of the cable into the bottom of the device. Wait for your device to begin charging.

Answer: USB ports are slim rectangular openings with three-pronged symbols next to them. You'll typically find them on the sides of laptops' casings, though their locations vary for desktop computers.  If you can't find a USB port on your desktop computer, try looking at the sides or back of the keyboard, back of the CPU, or behind the desktop monitor. Some MacBooks don't have USB ports. The USB end of the charger is a rectangular piece of exposed metal; if you look at its end, you'll see a block of plastic inside. When plugging the cable into the USB port, make sure the three-pronged symbol on the USB cable is facing upward. You may need to disconnect the cable from the power adapter cube first. Do so by gently tugging on the USB end of the cable until it disengages from the power adapter. There are two types of charger cables for your iPhone and iPod:   Lightning - iPhone 5 and up; iPod touch 5th Generation and up. This cable's charging end is relatively narrow and flat.  30-pin - iPhone 4S and down; iPod touch 4th Generation and down. This cable's charging end is wide and flat. If you're using a Lightning cable, the charger should fit no matter how you insert it into the device's charging port; however, a 30-pin charger must be inserted with the grey rectangle icon on side of the charger facing the same way as the iPhone's screen. A second or so after plugging it in, your iPhone/iPod should make a sound (or vibrate), and the screen should briefly display a battery icon. If your device doesn't begin charging, try using a different electrical outlet.


Problem: Write an article based on this summary: Store products properly. Touch your cosmetics sparingly. Use smaller containers. Avoid pumping mascara. Clean brushes and applicators regularly.

Answer: The bathroom is often the most convenient place to store your makeup. The heat, humidity, and high levels of airborne bacteria can promote the growth of mold and yeast as well as contaminate beauty products. Keeping your cosmetics in a cool and dry closet or room may keep them from going bad or causing an infection.  Consider storing products in a clear acrylic drawer or heavy plastic cosmetics bag. This can make it easier to find products and prevent contamination with fingers. Place creams, serums, and other liquid makeups in an easily accessible spot in your refrigerator. Fill a small vase with colored marbles and place your brushes and applicators in it. A clear straw dispenser is another option that keeps brushes and applicators dust-free. Try a hanging makeup travel bag to keep your cosmetics organized. Fingers can harbor bacteria and oils that degrade your makeup. Touching makeup only when necessary may keep it from going bad quickly. It may also keep it fresher for a longer period of time. Consider using brushes instead of sponge applicators to put on your makeup. Brushes sweep up less product and may not press as much oil into the product. Transfer a small amount of product to a different container. Use this on a daily basis and replenish from the original container, which can keep products from drying out.  Getting small, clear, and reusable containers has several advantages. First, small containers ensure that if you do contaminate your product, you don’t lose the entire product. Second, clear containers help you more readily identify your products. Finally, reusable containers save you money—and the environment. Label your products to more easily identify or organize them. Most people love the look of long and voluminous eyelashes. Applying mascara is the way many people achieve this look. However, a common thing people do is “pump,” or quickly insert and remove—the mascara wand. This can actually dry out the mascara and cause bacteria to grow in the tube. Making a concerted effort to not pump your mascara may extend its life and keep it fresh. Cosmetics brushes and sponge applicators can harbor a lot of bacteria, oil, and dust that may degrade your makeup. Clean your makeup brushes and with some soapy water every month and place them on a paper or cloth towel to dry. Wash sponge applicators after every use and replace weekly.


Problem: Write an article based on this summary: Determine the debt service. Include all portions of debt that are due in the current year. Include current maturities of long-term debts in debt service. Decide how to handle lines of credit and revolving debt when calculating debt service. Adjust interest and principal expenses to reflect income tax expenses. Verify net income.

Answer:
The debt service is the total of all principal and interest paid on debts over the course of a year.  For an individual, this includes all debts that are payable in the current year.  For a business, it includes interest, any debts maturing within one year, and any principal payments on long-term debts.  Short-term debt is any debt that is due in less than one year.  The current portion of long-term debt is the total amount of long-term debt that must be paid in the current year.  Businesses do not report debt service on financial statements.  It may be reported in the notes on a financial statement. This includes all interest and principal payments that are due in the current year.  Businesses must factor in sinking fund payments, which are repayments of funds that were borrowed from a bond issue.  Also, add in lease payments that are due in the current year. Current maturities means the portion of long-term debt that will be due in the next 12 months.  You would use maturities from the previous 12 months to determine ability to cover debt service this year.  You would use maturities due in the next 12 months to project ability to cover debt service on a new loan . A company may plan to pay down a line of credit during the year.  Or, they may "term out" a line of credit that is fully extended.  Term out means that the line of credit is converted to an amortizing loan.  An amortizing loan means the balance of the loan is reduced over time by monthly payments that include principal and interest. Interest payments are tax deductible, so you will not have to pay income taxes on those.  Principal payments are not tax deductible.  You will have to adjust the total amount of principal due to account for the income taxes that will be paid on it.  Otherwise, you are understating your debt service, which in turn overstates your ability to service your debt.  Make this adjustment by using this formula: interest + (principal / [1 – tax rate]). For example, suppose a business pays income taxes at a rate of 34 percent, and has a 5-year loan for $50,000 with 6.0 percent interest.  This year, the company will pay $8,840 towards the principal and $2,760 in interest. Calculate the debt service with the above formula, using the equation $2,760 + ($8,840 / [1 - .34]) = $2,760 + $13,394 = $16, 154. Net operating income is the amount of revenue left over after operating expenses have been paid.  It does not include taxes or interest.  Net operating income is considered equivalent to earnings before interest and tax (EBIT).  It can be found on the company’s income statement. Operating expenses are those expenditures businesses incur as a result of running the business.  They include employee wages and funds dedicated to research and development.