INPUT ARTICLE: Article: Now that the hard part is over, another hard part begins! You may feel like you're home free after you receive a loan and you can pretty well do as you please. That's not the case. Repaying your loan and staying on track with the lender is very important.  Paying on time will help you avoid a downgrade of your credit score. If you want to qualify for a loan in the future, the history of your loans and loan payments will be examined. If the loan still hasn't been paid off well after collection, your credit score will suffer and your ability to get a loan in the future will be negatively affected. Many people think they won't need a loan in the future when, at some point, they will. Don't sabotage your ability to get a loan in the future just because you think you won't need one again or get lazy about repayment. If you begin to have trouble repaying your loan, talk to the lender directly. Have a frank discussion with the lender about your struggle to pay back the loan. Most of the time, lenders are required by law to treat borrowers fairly and with forbearance. Lenders should work with you to develop a repayment plan. It's in their best interest to get back some of the loan instead of none of it. your loan if you can get a better deal down the line. This is especially important if your initial loan had a very high-interest rate. Refinancing your loan can happen in a variety of ways. One way is that the length of your loan can be adjusted so that your monthly payments are smaller but the amount of time you have to pay those payments is longer.

SUMMARY: Meet all your payment deadlines. Be proactive if you are having a hard time making your payments. Refinance

In one sentence, describe what the following article is about: Wherever you live there are more likely to be certain types of storms versus others. Knowing this lets you figure out what type of storms to prepare for. It can also save you from having unnecessary stress about weather that is unlikely to happen. You can figure this out by watching local weather forecasts, doing an internet search, and asking neighbors. Having a plan that your family understands can help all of the people in your family know what to do when a storm hits. Make sure to plan out:   Where to take shelter in your home. What phone number to call in case of emergency. How you will get out of your home in an emergency. Where family members will meet if a storm hits while you are not all at home. You should have enough water so each family member can have one gallon of water per day for 3 days. You should have enough food to feed your whole family for 3 days as well. This food and water should be put in a location where you can reach it during a disaster, such as in the spot where you will take shelter during a storm. Canned food that is ready to eat, such as tuna, beans, or fruit, is a good choice for your emergency food supply. You can also put protein bars, dried fruit, dried cereal, and non-perishable pasteurized milk in your stash. If the storm is likely to cause a lot of damage, it's important to be prepared for a variety of problems. Things that you should put in a basic supply kit include:  Flashlights and extra batteries. Emergency radio.  First aid kit. Whistle, to alert people to your location. Personal sanitation products, such as garbage bags, toilet paper, paper towels, wet wipes, and tampons/pads. Plastic tarps Extra warm clothes. Dusk masks. Utility shut off tools.
Summary: Know what kind of severe weather events are common in your area. Make a severe weather plan. Store an emergency supply of food and water. Create an emergency supply kit.

Japanese is a popular language that is taught at nearly every university and community college. Check into taking a course at a local school so that you can learn under the instruction of someone who is fluent in Japanese.  Do your Japanese homework. It may seem like it will take forever to learn the 2,000 Kanji characters or get a grasp on Japanese vocabulary, but these are important steps to take if you want to learn how to speak Japanese with fluency. Participate in workshops and class discussions. The written homework is important, but learning how to converse in Japanese requires that you get out of your comfort zone and let your voice be heard during class. Raise your hand, go to the workshops, and get in as much speaking practice as you can. Online courses are a good alternative if you want to save a little money. Many are designed to encourage you to speak out loud by hosting virtual classroom discussions and workshops. Do some research to find a course that fits your needs and take it as seriously as you would any university course. Language software produced by companies like Rosetta Stone is designed to help you learn at your own pace by using CDs and workbooks to gradually learn the language. Check out reviews before you decide which software to purchase, since this option can be rather pricey. Hire a more advanced Japanese student or a fluent Japanese speaker to help you build a solid foundation in Japanese. You could hire a tutor as a supplement to the courses you are taking or the software you are using, or choose someone who is equipped to teach you the language on his or her own.  Check out the classified listings at local colleges and universities for Japanese tutors. Students hoping to make some extra money tutoring often advertise on bulletin boards and college websites. You could also hire a tutor who is actually living in Japan. Put up an ad on Craigslist stating that you're looking for a Japanese tutor and would be willing to have tutoring sessions online using Skype or another online video chat program.
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One-sentence summary -- Sign up for courses at a university or community college. Take online courses. Buy Japanese language software. Get a tutor.

INPUT ARTICLE: Article: The first and second box on the Edit window is for your first and last name. You can click each box individually and change this information if you did not add a last name. Below your name is an option for you to enter a tagline. This is a great way to come up with a catchy slogan that describes the kind of work you do. All you need to do is click inside the box and type in your tagline. Below your tagline is an option for you to enter an hourly rate. If you click inside the hourly rate box, you can type in what you want to get paid for an hour’s worth of work. The Elance fee will automatically be included into the second box. Once you enter in your hourly rate, you can click the next box, which asks for your YouTube video URL. If you do not have one, you do not have to enter anything. If you do, simply copy and paste your video link in the box. Video introductions can help prospective clients be confident in you, especially if you provide concise, well-articulated information regarding your skills; it can also help you be more credible as it would appear that you're introducing yourself to your clients face-to-face. You can click inside the next box and write a paragraph or so about yourself, the positive traits about working with you, and why you would make a good partner to work with. A service description is a summary of the types of work you are good at, where all of your strengths are. This is crucial for getting good clients. Click inside the Service Description box to begin typing in your information. The second to last box is for your payment terms. This all depends on what you personally want to put. Click inside the box and type in your terms. The final box is for selecting your keywords. These words will help clients find you easily by searching for one of your keywords. You can have between 1 and 10 keywords; to add them, just click inside the box and list 10 keyword skills, separating each with a comma. When you have finished double-checking, click on the green “Save” button on the bottom of the screen to save your profile changes.

SUMMARY:
Edit your name. Add a tagline. Enter an hourly rate. Upload a video introduction. Write an overview regarding yourself. Add a service description. Include your payment terms. Select keywords. Save your changes.