Summarize the following:
Place a twist tie where you're holding the neck of the frilly top. This could also be a pipe cleaner, or anything that'll hold it together. And remember, you can always take it off after the bow is placed on. Alternatively, you can use clear packing tape on the neck, but this isn't removable. No gift basket is complete without a bow, and yours should go right around this neck in the wrap. Tie it around twice, forming a knot that won't slip. Make sure it's facing the front! If you'd like, you can now remove your twist tie, pipe cleaner, or whatever you used to cinch the wrap together. The bow has that job now and will keep everything in place. Oval baskets especially tend to lead to awkward angles. If you have little corners toward the bottom of your basket (anything circular may lead to this), just tape them down and under if at all possible. Tape should be on the bottom of your basket more than the sides.  Then fluff and adjust as necessary. Your basket is sealed and ready. If it's shrink wrapped, it could even be ready for delivery via the post. Need to place a tag? Around the ribbon of the bow is your best bet. The neck of the wrap works well, too.

summary: Twist your twist tie around the neck of the basket. Tie the bow around the neck of the basket. Tape down any awkward corners.


Summarize the following:
The primary way to lower your debt-to-income ratio is tackling your debt. Sit down and make a comprehensive list of everything you owe. It may help for you to get a copy of your credit report. On your list, include the following information for each of your debts:  Name of the creditor Total balance Interest rate Minimum monthly payment Amount you would need to pay to zero-out the debt in 3 years (which is sometimes listed on credit card statements) Determine how much you would need to pay each month in order to zero-out all of your debt in 3 years time. Use an online interest payment calculator to factor in the cost of interest each month.  Let's say you owe $3000 at an interest rate of 8%. In order to pay this off in 3 years, you would need to pay $94.01 per month. If you cannot afford to get out of debt in a matter of 3 years, you may want to speak to a loan counselor. If you have been making your minimum payments successfully, your credit card company may be open to lowering your rate.  You might say, “I’ve been consistent with my payments for over a year now, and I’d like it if you could give me a better rate.” If you qualify for a different card at a lower rate, see if your credit card company can match that rate. Be persistent. They probably won’t say yes the first time you ask. if you qualify for a lower interest card. Look for credit card that can accept a transfer from an existing credit card. These are sometimes called balance transfer credit cards. In order to get the best value on your card:  Seek out 0% or low APR rates. These types of cards often have introductory rates that are very low. This can allow you to pay off some of your debt without interest. Pay attention to the length of the introductory rate. Look for the longest period you can find. Find out what the rate is after the introductory period. You may want to use a credit card comparison site, like Credit Karma. Contact each of your student loan providers to determine the amount you own, the percent of interest you are charged, and your current minimum monthly payment. Then contact a consolidation loan provider to find out if you qualify for a better loan.  If all of your student loans are federal, contact the Department of Education to find out about consolidation options you. If you have private loans, shop around for the best offer. You might contact Chase, NextStudent, Student Loan Network, or Wells Fargo. Determine which of your debts holds the highest interest rate. This should be your “target debt.” Pay the minimum amount on all of your other debts, and put the rest of your monthly payment toward this target debt. If you happen to have any extra money in a given month, put this toward your target debt as well.  After your initial target debt is paid off, determine which debt has the next highest interest rate, and make this your new target debt. As your credit score improves, you may become eligible for balance transfers or loan consolidation opportunities that you did not previously qualify for.

summary: Write down what you owe. Determine what to pay each month. Call your credit card companies and ask if they can lower your interest rates. Transfer your credit card balance Look into student loan consolidation if you have multiple student loan payments. Prioritize your highest-interest debt and pay it off first.


Summarize the following:
Right after the Social Club finishes installing on your computer, the Grand Theft Auto 4 installation window will appear. Press “Next” on the very first welcome screen of the Grand Theft Auto 4 window to begin the installation. ” A few notification messages for the Games for Windows Live and Rockstar Social Club will show up on the installation window. Just click the “Next” button to continue with the process. Click the “Typical” radio button to choose this kind of setup and make sure that you install all the necessary files needed to run the game. By default, the game will be installed inside the program file folder on your computer. Click the “Next” button again to start installing the game to this location If you prefer to install the program on a different location, just click the “Browse” button and navigate to where you want to have the game placed before you click the Next button. It will take a few minutes to complete the installation. Once you’re done, you can launch the game and start playing Grand Theft Auto 4. During the middle of the installation process, you’ll be asked to insert the second CD of the installer, just follow the Part 1 mentioned above for the DVD or soft copy installer to continue the process.
summary: Begin installation. Click “Next. Select the setup type you want to use. Choose where on your computer you want to install the game. Wait for the game to install.