Q: This ratio is a ratio of your debt compared to your income, so you would divide the amount of debt you have by the amount of income you have. The amount of monthly debt you have should be smaller than the amount of monthly income you have. Example: If your monthly debt is $1300 and your monthly income is $3450, then: 1300 / 3450 = 0.3768 Multiply the decimal answer you get in your initial calculations by 100 to come up with a ratio percentage. This is the figure you will use for all practical purposes. Example: 0.3768 * 100 = 38%
A: Divide your monthly debt by your monthly income. Turn this number into a percentage.

Article: Use denatured alcohol or 91% alcohol and a cotton ball. Let the item air dry completely before moving on to the next step. Don't skip this part even if you can't see any visible grime in the chip. There could be built up oils or residue that you can't see but that could get in the way of the epoxy adhering to the pottery. You can buy epoxy filler online or at a home improvement store. Most brands come with 2 components: the filler and a hardener that has to be mixed with the filler once it's ready to be used. You could also use a polyester filler to the same effect. Polyester filler tends to be a little less expensive than epoxy filler, but the epoxy filler is usually a little easier to handle and takes less time to dry. Squeeze out enough filler to completely fill the chip you're repairing. Read the directions to determine how much hardener you need to mix in with the filler so that it'll work properly.  Work quickly—the hardener will only allow you 4 to 5 minutes to work with the filler before it gets too stiff to be pliable still. For the best results, work in a room that is 75 °F (24 °C) or warmer. Use a wooden or plastic stick to fill the entire chipped area with the filler. If needed, use a toothpick to poke it into small, hard to reach areas. It's okay if the filler isn't even with the rest of the pottery—you'll deal with that part later. Even though the filler might resemble putty, don't use your hands to put it in place. Continue using your wooden or plastic stick. Epoxy filler can take anywhere from 2 hours to 2 days to harden, so make sure to check the manufacturer's instructions for that information. Use a razor or a straight-edged knife to shave off larger chunks of filler that is raised up over the surface of the piece of pottery. Don't worry about getting the edges to look perfect with the razor. You'll use sandpaper later on to smooth things out. Take a piece of 220-grit sandpaper and gently rub it back and forth over the repaired area. Keep working at it until the surface is once again completely smooth. Once you're done sanding, give the piece another wipe down with alcohol to get rid of any sandpaper and filler residue. Because the filler is most likely brown or white, you'll probably want to paint it so it doesn't stick out as much from the rest of the piece. Take your time matching the color of the paint to the color of the piece of pottery. Try thinning the acrylic paint with a little bit of water so that it can be applied more evenly over the surface. This spray will add a layer of gloss to the repaired area, which will make it stand out from the rest of the piece less. If possible, use the spray outside or in a well-ventilated area so that you aren't bothered by the fumes. Let the gloss completely dry before you use or display the pottery piece again. It generally takes acrylic spray about 12 to 24 hours to completely dry. Test it by patting it with your thumb—if it still feels tacky it needs more time.
Question: What is a summary of what this article is about?
Wipe off dust and grime from the pottery with a swab of alcohol. Use 2-part epoxy filler to fill in chips in your pottery. Follow the instructions and mix the filler and the hardener. Fill the chipped section completely with the prepared filler. Shave off the excess filler with a razor once it has hardened. Sandpaper the filler-filled area to smooth it down. Paint the repaired area with acrylic paint to match the original color. Finish the piece with a coat of clear spray acrylic to give it a shine.

Q: When you go to a dealer for a new car, chances are your salesman will try to find you a loan using his system.  However, you might be able to get a loan from your bank at a better interest rate. If you bank at a credit union, your odds are higher of getting a loan because these institutions are smaller and more willing to work with you personally.  You may also be able to get a loan with a credit union even if you don’t bank there. Consider the website Peer to Peer, where you can get a loan from an individual instead of an institution.  Consider borrowing money from a relative. Find someone who has good credit amongst your friends and family to co-sign on your car loan. This will boost a lender’s confidence in the loan. Make sure it is someone who trusts you, because the record of this loan goes on both your credit reports.  If you ever default on this loan, the lender will look to the co-signer for payment, making your relationship very uncomfortable. If you are offered a loan, make sure it has a low enough interest rate to keep your monthly payments low. For example, someone with a mid-range credit score (620-680) is looking at an interest rate of between 5 and 6%. A credit score lower than that is looking at an interest rate anywhere from 6.5 to 13%. Although monthly payments might be higher, getting a loan for a shorter amount of time means paying less interest in the long run. If you can handle it financially, try to get a loan for four years or less. Some lenders and car lots will give you discounts based on things you have done and memberships you have. If you qualify for a discount of any kind, bring the paperwork for it.  Some places (both dealerships and lenders) will offer discounts for being a student, a recent graduate, being in the military, or being a first-time buyer. All of these discounts tend to come with strict requirements. For example, the first-time buyer discount may require 10% down, references, a steady job, and car insurance. You may be able to get a lower monthly payment if you lease instead of buy. If you are jobless when you start the car search and no lenders will take you, consider pausing the search until you have worked steadily for several months. This will build your reputation as a responsible citizen. Be sure to bring in proof of employment when you resume the search. Also consider doing things to boost your credit while you wait, such as getting a credit card. Ultimately, the easiest way to buy a car without any credit is to pay cash for the entire vehicle. This practice is wise because it keeps you from going into debt and defaulting on loans, but it is also risky because it means you will continue to have an empty credit history. Car dealers who receive $10,000 or more in cash are required to report the transaction and its specifics to the IRS.
A:
Find loans on your own. Seek out a co-signer. Make sure your loan has a low APR. Try to get a loan with a shorter term. Look into getting discounts. Revisit the loan in a few months. Pay cash in full.