Article: The formula for this calculation is more complex.  With compound interest, the accumulated interest is added back to the principal each payment period.  Then interest for the current year is calculated on the principal plus the accumulated interest.  Since the interest grows exponentially, you must use an exponential formula to calculate the future value.  The formula for future value with compound interest is FV = P(1 + r/n)^nt. FV = the future value; P = the principal; r = the annual interest rate expressed as a decimal; n = the number of times interest is paid each year; and t = time in years. Interest can be compounded annually, semiannually, quarterly, monthly or daily.  This determines the number of compounding periods in the year. Suppose you invested $5,000 in an account that paid 5 percent interest compounded annually for eight years.  In this example, since the interest is compounded annually, there is one compounding period.  In the equation, P = $5,000; r = .05 (5 percent expressed as a decimal); n = 1; t = 8. FV = 5000(1 + .05/1)^(1*8) = 5000(1.05)^8 = 5000 x 1.48 = 7387.28 At the end of eight years, the investment would be worth $7,387.28. The annual interest rate and the compounding periods are adjusted for the number of times interest is paid within the year period. In this example, the principal is $5,000, the interest rate is .05 (5 percent expressed as a decimal) and the time is eight years.  But the number of compounding periods is four since there are four quarters in a year.  FV = 5000(1 + .05/4)^(4*8) = 5000 (1.0125)^32 = 5000 x 1.49 = 7440.65 The future value of the investment would be $7,440.65.
Question: What is a summary of what this article is about?
Learn the formula for calculating future value with compound interest. Calculate the future value of money using the formula. Calculate the future value of the same investment if the interest rate were calculated quarterly.
Article: Hibiscus plants grow with terminal flowers; this means that each flower on a hibiscus plant grows at the end of a branch. Pruning a healthy hibiscus bush will encourage growth and tell the plant to grow more branches, thus producing more flowers. You can also prune a damaged or dying tree to prevent future decay and to promote new, healthy growth. Pruning must be timed to line up with the natural growth patterns of the hibiscus plant. You should never prune hibiscus in the late fall or winter, as this will prevent new growth in the Spring. Exact times will vary depending on your location, but generally full/major prunes should be done in the early spring, with minor pruning done up till the beginning of fall around September. If you keep your hibiscus plants inside during the winter, wait until you move them outside to prune. To do damage-free pruning, you'll need to get a very sharp knife, a pair of sharp gardening shears, a pair of sharp lopping shears, and a hand saw for anything too big to be cut with your smaller tools. Sterilize all tools before starting and between pruning each plant, to prevent the spread of disease. You can sterilize with rubbing alcohol, hand sterilizer, or horticultural disinfectant. Your tools must absolutely be sharp; a dull knife, shears, or saw will cause more harm than good if you try to prune with them. Take the time to sharpen your tools, or buy new ones if yours are too old. Keeping in mind that the location you prune is the location of new growth, you always want to prune your hibiscus on branches facing outwards. You'll make all cuts ¼-inch from the top of a node (the location of a leaf/twig) at an upwards 45-degree angle. The lower end of each cut should be near the center of the bush, while the higher end of the cut should be nearer to the outside of the bush. This helps water run off the cut surface instead of pooling, which reduces the risk of infection. Although the amount of the plant that you prune will vary from situation to situation, the general rule is that you should never cut more than ⅔ of any one branch off. Cutting off too much of the plant is no longer considered pruning, but simply damaging the hibiscus.
Question: What is a summary of what this article is about?
Know why you prune. Learn when to prune. Sterilize your pruning tools. Know where to prune. Know how much to remove.
Article: You can use homemade rosewater or store-bought rosewater. Place a funnel into the neck of the bottle first, then pour the rosewater in. Rosewater is great for moisturizing and toning your skin as well as treating acne. You can use store-bought lemon juice, but freshly-squeeze juice would be much better. If you are using freshly-squeezed lemon juice, be sure to strain it first so that you don't get any seeds or pulp. Lemon juice is great for treating acne and blackheads. It can also help brighten your skin. Your facial cleanser is now complete and ready to use! The warm water will help open up the pores on your skin and make the cleanser more effective. Open up your bottle of lemon-rosewater. Hold a cotton ball over the opening, then turn it upside-down and right-side up quickly. Pull the cotton ball upwards rather than downwards. Start at your neck and work your way up to your chin using short, gently strokes. Replace the cotton ball as needed; plan on using about 4 or 5. Rinse it off with warm water first, then splash your face with cool water to seal the pores. Pat your face dry with a soft, clean towel, then follow up with your usual moisturizer. You can use this as a toner as well.
Question: What is a summary of what this article is about?
Fill a small, glass bottle half-way with rosewater. Fill the bottle the rest of the way with lemon juice. Close the bottle, then shake it to mix the two together. Dampen your face with warm water. Dampen a cotton ball with the lemon-rosewater  face wash. Wipe your face with the cotton ball. Rinse the face wash off.