Q: The effective interest rate attempts to describe the full cost of borrowing. It takes into account the effect of compounding interest, which is left out of the nominal or "stated" interest rate.  For example, a loan with 10 percent interest compounded monthly will actually carry an interest rate higher than 10 percent, because more interest is accumulated each month. The effective interest rate calculation does not take into account one-time fees like loan origination fees. These fees are considered, however, in the calculation of the annual percentage rate. The stated (also called nominal) interest rate will be expressed as a percentage. The stated interest rate is usually the "headline" interest rate. It's the number that the lender typically advertises as the interest rate. The compounding periods will generally be monthly, quarterly, annually, or continuously. This refers to how often the interest is applied. Usually, the compounding period is monthly. You'll still want to check with your lender to verify that, though.
A: Familiarize yourself with the concept of the effective interest rate. Determine the stated interest rate. Determine the number of compounding periods for the loan.

Q: Take notes as funny thoughts come to you, or write down strange occurrences that strike your funny bone. At this point, you don’t need to be writing full-fledged jokes; just write down situations, lines, or personal anecdotes from your past that seem funny and could be used as material for jokes in the future. If you don’t want to carry a notepad around, many smartphones have a notepad app built in. Based on what you find funny, start to write longer jokes and anecdotes derived from ideas you’ve noted. Look for ways in which you can present material in surprising, unexpected, or bizarre ways. It’s a common move in joke writing to lead the audience in one direction, and then surprise them by reversing the premise in the punchline.  Repeat this process over and over: develop a funny idea of observation, pair it with similar funny ideas, and write out a full-length joke or anecdote.  For example, if you jotted down that you hate being stuck in traffic and, the next night you went on a bad date, you could work these into a joke about how bad traffic and bad dates seem to go together in your city. Comedians—especially stand-up comics—can learn a great deal from more established performers in their field. Go to your local comedy club as often as possible, and watch all of the online standup specials that you can find. Pay attention to the comedians: note how they time their jokes, how they move from one topic into the next, and where they seem to draw their source material from.
A: Jot down joke ideas in a notebook. Organize one or two funny ideas into a joke. Watch and listen to other comedians.

Q: This opens the main Pixlr website. It’s a link in an oval-shaped button near the center of the page. Depending on your browser, you may be prompted to enable Adobe Flash. If so, click anywhere on the page, and then follow the on-screen instructions to enable Flash.  It’s the ″A″ icon in near the bottom of the toolbar that runs along the left side of the page. A pop-up will appear. It will appear on the image in a generic font. The text on the image will update as you make changes. Click the square under ″Color″ to bring up the color palette, then click the color you want to use. The text will update immediately. ″ You can align to the left, center, or right. The text now appears in its own layer on the image.  You can reposition the text at any time by clicking the text layer in the ″Layers″ panel on the right side of the screen, and then dragging the text to the desired location. To edit text you’ve already placed, click the text tool again, then click the cursor somewhere on the text to bring back the editing pop-up window.
A: Go to the Pixlr.com. Click OPEN PIXLR EDITOR. Upload or create an image. Click the text tool to type on the photo. Click the mouse cursor where you’d like to place the text. Type some text into the ″Text″ box. Select a font, size, and style from each drop-down menu. Select a color. Click your desired alignment pattern under ″Align. Click OK.

Q: Squirrels can jump directly from the branches to your roof. Cut back branches that hang over your roof, along with any that come within 6 to 8 feet (1.8 to 2.4 m) of your house to help keep them away.  Just trim off enough of the branch that the squirrel can't make the jump anymore. Use a hand saw or pruning shears. Always play it safe when climbing a ladder. Make sure the ladder is sturdy and sitting on a stable surface. If you can, ask someone to hold the ladder while you climb it. If the trim limbs are near power lines, call the power company or a professional to deal with them. Typically, you fit the square metal mesh bottom over the top of your chimney with the cage coming down the sides. Then, you can screw in the 4 screws onto the sides, which will go directly into the tile or stone of your flue. The cap on top and metal mesh on the sides will keep squirrels out.  Squirrels can come in through your fireplace. Pick a cover made of stainless steel mesh. It'll keep the squirrels and other animals out, but you can still use your chimney.  You can find these at home improvement stores. Some require that you screw the metal mesh down into the stone from above. Squirrels can burrow their way into your house through small areas. Go up during the day so you can see sunlight shining through. Fill the holes with metal mesh to block their entry. You can nail or staple the edges into place on the inside or outside of the hole. Be sure to look outside, too. Check under the eaves to see if you can find any holes. Once you cover the areas, add an extra layer of protection by using a repellent. Try one that has capsaicin in it, for instance. This chemical is the one that makes peppers hot, and squirrels don't like it! You can also use predator urine as a deterrent in your yard and around your home. However, this can smell pretty bad, so typically, you'd only use it in your garden, not around your house. You can buy it at home improvement stores.
A:
Trim branches that hang close to your roof and chimney. Install a chimney cap if you have a fireplace. Go over your attic space to look for entry points. Spray a repellent around any holes you find.