Problem: Article: You can learn something every day by paying attention to the news. You can watch news on TV or listen to the radio. You can also read traditional newspapers or follow online news sites. Try to follow both local and international news each day. For example, read an article in your local paper and then check out the BBC. Reading is one of the most effective ways to learn. Make a point to read every day. It can be for an hour before bed, or just for 10 minutes on your lunch break. Both fiction and non-fiction are great choices!  Choose fiction to discover new places through a character’s experience. You can also gain insight on emotions and interpersonal relationships. For instance, you might try reading The Kite Runner by Khaled Hosseini to learn about life in Afghanistan. Non-fiction can teach you about anything, from history to how to build a car. If you'd like to learn more about American political history, try Truman by David McCullough. Try listening to an audiobook while you cook dinner or on your daily commute. The internet has an endless supply of information and there is more added everyday! You can use a popular search engine to search for a specific topic. For example, you might type in “healthcare in the UK.”  You can also just randomly explore. Go to any popular website and just keep following links that interest you. Keep in mind that just because something is on the internet doesn’t make it true. You still need to verify the source before accepting something as fact. If something doesn't ring true, look for another source to check the information. Try to avoid sites that seem focused on presenting a certain agenda, rather than just the facts. Sources such as government agencies, universities, and hospitals typically offer the most factual, up to date information. If you’re already a student, you’re all set! But don’t worry, even if you’re done with your formal education you can continue to take classes. There are many options out there for you.  For a traditional course, contact your local university or community college. You can often take single classes for continuing education. There are also online classes you can take, through traditional colleges or other websites. Take a class in whatever interests you! It can be anything from psychology to art. In addition to reading on the internet, you can learn a lot by watching videos. If you’re a visual learner, videos can be a really useful tool for you. Simply search for something like “sew curtains video” and have fun exploring the results. You can also browse popular video sites like YouTube and click on whatever interests you. This is one of the simplest ways to learn something new. Make it a point each day to ask someone a question. No matter what you ask, you’re guaranteed to learn something!  Ask your boss, “Do you have feedback for me on my last project? I wanted to know if it made an impact on sales.” Or you could ask a friend, “I know you’re from Oklahoma. I’ve never been there, can you tell me what it is like?”
Summary: Follow the news to keep up with current events. Read books and articles to expand your awareness. Explore the Internet to discover new things. Take a class to keep your mind engaged. Watch online videos to see how things are done. Ask questions to gather additional information.

Problem: Article: If you are comfortable and secure in your basic payments and necessities, but find it difficult to budget or save money to pay off your debts with the "debt avalanche" method, the "debt snowball" method may be right for you. This method focuses on you paying off your smallest debts first to simply reduce the number of different debts you owe. It should be noted that this is not the fastest or most efficient way to reduce your debt load. Organize your paperwork and determine how much you owe on each debt. Create a schedule of which debts you will pay off first by placing the debt with the smallest amount owed first and going up in amount owed from there. Be sure to note minimum payments for each debt and pay those each month before directing any money towards paying off your first debt. You don't want to incur more debt by not paying these minimums. Use any additional money you have each month to begin paying off the first debt. You may consider creating a budget for yourself to save money or perhaps taking on a part-time job. However you come up with the money, save as much as you can and put it all towards that first debt. When you've paid it off, celebrate! You've earned it. After you've paid off the first debt, move on to the next debt on your list. This one will take longer to pay off than the first, but keep yourself motivated to continue paying off debts by remembering the load that paying the first debt took off your shoulders. Your number of debts, and total debt overall, will decrease faster and faster as you continue to pay them off. Eventually, you will be completely debt-free!
Summary: Determine if this method is right for you. Organize your debts by amount owed. Pay off the first debt. Move on to the second debt. Continue paying off debts until you are debt-free.

Problem: Article: If you crack open the books while in a bad mood about having to study, you won’t have an effective study session. However, if you are motivated about what you are about to learn, you will have an easier time learning it and remembering it come test time.  Don’t tell yourself, “I’m never going to learn this.” Be patient with yourself as you try to master new material. Take the time to think about when you are most alert and able to concentrate. For some, this may be immediately after school. Others may be more productive if they take a break after school and relax a bit before opening the books. Regardless of when you choose to study, you will retain more information if you study a bit each day (for 30 to 60 minutes at a time) rather than cramming at the last minute.    Remember to incorporate breaks into your study schedule. Breaks give your brain a chance to absorb what you just studied. During your break, it is helpful to take a short walk or get some fresh air to help clear your mind. You need to find a quiet space free of distractions, such as a library or an isolated area of your house. By having an area devoted to studying, your brain will become used to calming down and absorbing material once you get there.  Keep a set of materials near your study space, such as books, paper, pens, highlighters, a calculator, and so on. If you need a computer for your research or studies, you can utilize an app to block specific websites for a certain period of time. That way, you won’t be tempted to check social media accounts or news feeds when you should be studying instead. Disorganized notes or a messy study room can be enemies to your memory. By creating order in your environment, you foster order in your mind, so you can better memorize facts and recall them later. When you sleep, your brain converts facts from short-term memory to long-term memory. Even a short nap can help with this process.  If you study in the afternoon and don’t have time for a nap then, review your notes or flashcards at night before going to bed. Aim to get 9 hours of sleep each night, the optimal level for adolescents. The recommended sleep range for adults is between 7 and 9 hours.
Summary: Approach studying in a positive manner. Create and stick to a good study schedule. Pick a good place to study. Stay organized. Get enough sleep.

Problem: Article: the Windows key + R and type diskmgmt.msc. This will launch the Disk Management Utility. You will be able to see all of the partitions for each drive in the bottom frame of Disk Management. This will open the Format tool. This will allow the USB drive to be read by the most devices possible, including Windows, OS X, Linux, and most game consoles. The formatting process will take longer, but Windows may be able to correct errors on the drive. OK to start formatting the drive. This may take a while, but if the format is successful, the drive should appear in Windows. If the format process doesn't work, try the next section. Formatting will delete all of the data on the USB drive.
Summary:
Press . Right-click on the partition for your USB drive. Select "Format" from the menu. Select "FAT32" as the file system. Uncheck "Perform a quick format". Click .