Problem: Article: You consolidate your debt by taking out a loan in the amount of all of your debts. You then pay off each individual debt. Now, you have only one monthly payment, preferably at a much lower interest rate.  You can get a personal loan from your bank or credit union. You should stop in and ask about interest rates and repayment periods. Ask if you can get the loan without a prepayment penalty. This will allow you to pay back the loan faster and reduce your overall debt. You can also get a personal loan from an online lender. Some online lenders specialize in personal loans for debt consolidation. Be wary. Most scammers operate on the Internet. Don’t borrow from lenders that claim not to care about your credit score or require that you pay an advance fee. Instead of getting a personal loan, you might seek a HELOC. HELOCs are usually offered for a low interest rate, and you can spread out payments over a long time.  However, a personal loan is much better than a HELOC because a personal loan is unsecured. This means that if you do have to file for bankruptcy, you can completely wipe out the debt in a Chapter 7. With a HELOC, by contrast, your bank will keep its lien on your home, which you can’t get rid of in bankruptcy. For a small fee (usually around 4% of the balance) you can transfer debt from one card to another. For a limited amount of time (usually one year), you don’t have to pay interest on the debt. Check to see if your credit cards allow you to use balance transfers.  Make sure you are transferring to a card that doesn’t have a balance. If it does, the balance already on the card will continue to accrue interest. If you have good credit, you might take out a new credit card. Often, credit cards offer a promotional period of 12-18 months where you won’t be charged interest on your balance transfers. Once you consolidate debt, you might gain some breathing room. However, you can’t immediately start spending again. For this reason, you should come up with a budget even if you consolidate debt.  To pay off debt as quickly as possible, funnel all extra money to debt repayment.
Summary: Obtain a personal loan. Take out a home equity line of credit (HELOC). Take advantage of balance transfers. Avoid spending too much.

INPUT ARTICLE: Article: Referencing first names is a sign of intimacy and should only be done with people you know well. It’s tempting to do it with everyone, since it saves you a lot of writing, but that would be uncomfortable for your boss, teacher, or uncle you never met. Reserve it for good friends and other people you’re on a first name basis with.  For example, write out “Harry and Ginny.” Families can be listed easily like this. You can write, “Ned, Catelyn, Robb, Miss Sansa, Miss Arya, Bran, and Rickon.” Initials are never a valid substitution for a name, but suffixes like Jr. and Sr. are always appropriate. The bad news is that you’ll have to do more writing, unless you hired someone to do it for you. The good news is that you get to be slightly less formal. Instead of writing first and last names, the inner envelope only contains the last name behind the salutation. Don’t forget special honors such as Dr. For example, write “Mr. Potter and guest” or “Mr. and Mrs. Potter,” depending on the relationship. Everyone who isn’t married gets the honor of having their own line. Hey, it doesn’t have to be a bad thing. Doing this gives both names equal weight. Order the names again by familiarity, or, for equal familiarity, by alphabetical order. For example, write out “Miss Granger.” Under it, write “Mr. Potter.” This is an important step when you intend on inviting whole households. The inner envelope is the point where you have to list every name, including children under 18. If your family received an invitation that listed your parents but left you out, you’d be confused. You weren’t verbally invited, and it would be awkward if you showed up unwelcome.  Note the adult names first, such as “Mr. and Mrs. Ned Stark.” Under that, list the children by seniority. For instance, write “Robb, Miss Sansa, Miss Arya, Bran, and Rickon." Girls under 18 are denoted as “Miss.” Boys under 18 don’t get a title. How unfair! These are the envelopes your guests need to return their responses. Giving people zero excuse for not RSVPing will at least save some of your hair when you start pulling it out over planning this big event. Write your name, house number, street, town, state, and zip code in the center of the envelope. To save a whole lot of time, get pre-printed envelopes. You’ve written enough names and addresses for one day.

SUMMARY: Mention close friends by first name only. Address most people by their last names. List unmarried names separately. List each person invited to the wedding. Address the return envelopes.

In one sentence, describe what the following article is about: You want to get the same experience as any other patron, as many restaurants will give you special treatment that may change your review if they know you're a critic. Instead of telling them you are there to review their food, simply head inside and take a table, acting like any other customer. The Association of Food Journalists even suggest that you avoid large culinary events (grand openings, staff parties, etc.) so you don't risk being approached by chefs looking for a good review.  If you are an established reviewer you should make reservations under a different name. You should still bring a notebook or small recorder with you to take notes, though you can also take them on your phone. To write a great review, you should be taking notes. Did you need a reservation, and how far in advance was it set up? Where is the restaurant, and what is the neighborhood like? How was the parking? These facts will make up a very small part of your review, but this information is essential to help potential customers find the perfect restaurant for their night. Give your reader a feel for your experience. Does the wait staff treat you like family or an old friend, or is the place elegant and classy? What is the dress code like? What kind of atmosphere is in the restaurant? Be creative in the description -- a good food review is not just about the menu, it is about the entire experience.  Do the decorations create an appealing ambiance? How are people enjoying their meals? At large, talkative tables or many small, intimate dates? Avoid thing like, "the service was good/bad." You want specifics. The best way to get them is by asking questions. While you don't want to pester people, a good waitstaff will know what foods go well together, if there are any allergens in the dish, and the basic presentation of the dish. Most importantly, a good waitstaff is there when you need it -- when water glasses get low, when a fork is dropped, and when you're ready to order your next course. You will not be able to eat everything on the menu. You should, however, touch as many sections of it as you can. Be sure to get a drink, an appetizer, a main course, and a dessert to get a sense of the kitchen's full capabilities. If you can, come with a group of people and have everyone order something different (beef/fish, the soup/salad, sauteed/simmered) to get a good idea how the kitchen handles the entire restaurant.  As a food reviewer, you need to try everything you can to get a good idea of the restaurant. What you order is, of course, a matter of personal preference. However, asking the servers for recommendations is a great way to see what the kitchen and staff are proudest off. Most servers have tasted everything on the menu with the chef's guidance, so they should be able to help you order and determine what you're eating.
Summary:
Avoid telling staff members that you are a food critic or reviewer. Make some notes of the restaurant's logistics. Describe the atmosphere and ambiance when you walked in. Make some notes on the service. Order from a wide swath of the menu.