Problem: Article: Probably the easiest way to reduce debt is to sell whatever you bought with your credit card. Ask yourself if you really need the possession. If not, sell them in a yard sale or on eBay. Contribute the proceeds to your credit card balance. Seek out part-time work in the evenings or on weekends. Then contribute all extra income to your debts. Before you know it, you might have paid off a huge credit card balance. For example, imagine you work 15 hours a week for $10 an hour. Each week, that’s an additional $150 before taxes. Over the course of a year, you’ll have an additional $7,500. You can pay off a lot of debts working an additional 15 hours a week. With debt consolidation, you pay off smaller debts by taking out a large loan which has more favorable terms, such as a lower interest rate. Debt consolidation usually frees up money that you can direct toward the your principal.  Generally, people consolidate debts with a personal loan. For example, you might have three credit cards with balances of $3,000, $2,500, and $2,000. You can get a personal loan for $7,500 and pay off your smaller debts. You can also use a balance transfer to a credit card with a promotional APR. Generally, you’ll get the rate for six to eighteen months. Make sure the loan you get has a lower interest rate than the debts you want to pay off. If it doesn’t, you won’t save money. A credit counselor can help you set up a repayment plan, which may take several years to pay off. The counselor can also contact your creditors. Although they can’t get the amount you owe reduced, they can often get the creditor to waive late penalties and fees or lower the interest rate.  You can find a credit counselor by calling the National Foundation for Credit Counseling at 800-388-2227, or you can get started online at their website.  Debt management plans only work with unsecured debt, such as credit card debt, personal loans, or medical debt. Debt settlement is distinct from debt management, and it is typically a worse option. With debt settlement, you stop making payments on your debts. Instead, you save up enough money to make a lump sum offer to your creditors. Often the lump sum is for 50% or less of the amount you owe. If your creditors accept the offer, they write off the remainder of your debt.  Because you stop making payments, your credit score tanks. Also, there’s no guarantee that your lender will agree to accept a lump sum.  Instead, your creditor might sue you. If they get a court judgment, they can seize assets, such as your car or home. There are many debt settlement companies who can help you if you don’t like to negotiate on your own. Do thorough research, since there are many scammers out there. Make sure to get a written contract explaining price and terms, and avoid any agency that charges up-front fees. Bankruptcy is an easy way to get rid of unsecured debts like credit card debt. With a Chapter 7 bankruptcy, all unsecured debts will be wiped out, allowing you to start afresh. However, a Chapter 7 bankruptcy will stay on your credit report for 10 years and make it difficult to get loans. Not all bankruptcies are the same. With a Chapter 13, you can save your home and other possessions, which you might lose in a Chapter 7. Discuss your options with a bankruptcy attorney.
Summary: Sell your possessions. Work a part-time job. Consolidate debts. Set up a debt management plan. Consider debt settlement carefully. Choose bankruptcy as only a last resort.

Problem: Article: Before you put away a tie, you'll want to make sure that it's free of dirt, stains, smudges, and other blemishes that might undercut the look of your formal attire. Ties are often made from delicate materials that can have unpredictable results when run through the washing machine, so have your accessories dry cleaned if they're in need of serious treatment. To remove small stains at home, dab them with a clean, non-shedding cloth dampened with rubbing alcohol. Take the tie in one hand by the slender end, letting the other fall straight down toward the floor. You should be staring at the outer face of the tie—the one that people will see when they look at you. Inspect the tie for dust, lint, and loose threads before you begin folding. That way, it will be pristine and presentable whenever you're ready to wear it. Using your other hand or a flat surface like a table or your bed for stability, bring the ends of the tie toward one another so that the outer face is folded inward. Adjust the ends until they overlap and the rest of the material is perfectly aligned. Run your hand down the length of the folded tie lightly to work out any inconsistencies in the fabric.  It may seem counterintuitive to fold the outer face of the tie inward, but this will protect the visible side from dirt and prevent it from getting snagged on other items in your suitcase or accessory drawer. Make sure there are no twists, wrinkles, or smaller folds in the tie. When left to sit for long periods of time, imperfections in the material may cause creasing that can be difficult to remove. Holding the ends together, place one hand in the center of the folded tie and double it over again. Continue doing this until the tie is as small as you want it. Remember to smooth out the fabric after each subsequent fold.  The weight of the tie will keep it folded once you lay it down, so there's no need to use a separate band or clip. Avoid folding the tie so tightly that the pressure of the bundle inadvertently causes wrinkles.
Summary: Start with a clean necktie. Hold the tie so that it's facing you. Double the tie over on itself once. Fold the tie 2-3 more times.

Problem: Article: You will be taken to an interface to name your file and choose a save location. Under the filename field is a dropdown menu to select filetype. You can select various image filetypes from this menu (.jpg, .gif, .png, .bmp, and more). By default powerpoint will save files as .pptx. An image copy will be saved to the selected location using the chosen filetype. If you are saving a file with multiple slides, you will be prompted to choose to export “All Slides” or “Just This One”.
Summary:
Open the “File” Menu and select “Save As”. Select an image filetype. Click “Save”.