Problem: Article: Work with your advisor to see which credits will transfer to your target colleges. Focus on taking these classes. This way, you can avoid having to re-take classes. It is ok if you have to take a class or 2 that will not transfer. When transferring, your current GPA typically has more weight than your high school GPA and SAT/ACT scores. Focus on getting good grades while you plan out your transfer. Keep in mind that the longer you are in college, the less schools care about your SAT/ACT scores and high school GPA. This way, when you start applying, they will be more willing to write you a recommendation letter. Contributing to class discussions is a great way for your professor to become familiar with your name and face. Additionally, visit your professors during their office hours to ask questions about the content and difficult concepts. Asking your professors about their research is also a great way to start a conversation with them to get to know them better.
Summary: Take classes that will transfer to your target colleges. Make high grades in your classes. Get to know your professors.

Problem: Article: This will allow you to hold notes longer and make your voice even stronger. When you sing, breathe from the diaphragm and let the air flow evenly.  To improve your breathing, try this exercise: Take a deep, controlled breath and sing “ah” for as long as you can while you let the air out evenly. Do this every day for several weeks and you will see improvement in your singing. Use your breathing to increase your volume. Rather than open your mouth wider, increase the controlled amount of air you push out. If you’re asked to sit, sit comfortably upright but don’t let your back touch the chair. Keep your body tall and straight in line over your hips. Keep your shoulders down and back and your arms relaxed. Your feet should be on the ground and slightly apart, and the weight of your body should be leaning forward. The better your posture, the better the sound you will produce. Depending on your director’s choice, you may be sitting or standing, so it’s important to learn correct choral posture for both. Good posture is also proven to improve your attention and mood, which will help you stay engaged in practices and performances.  If you’re asked to stand, stand up straight with your shoulders back to open your lungs. Keep your chin parallel to the floor, shoulders back, abdomen loose to allow for deep inhales, and hands relaxed at your sides (unless you're holding sheet music). Just as with sitting posture, your feet should be slightly apart and the weight of your body should be leaning slightly forward.  Don’t lock your knees—instead, keep them flexible and loose.
Summary: Use controlled breathing. Sit forward. Stand up straight.

Problem: Article: While obvious it must be stated again: candy is not good for you or your teeth. High in sugar, it's also sticky so it seals that sugar directly to your teeth, and your saliva turns those sugars to acids. Add in the fact it has no health benefits whatsoever and it’s easy to see why candy should be cut from your diet. This is particularly true for children and teenagers, whose enamel is not yet mature and therefore even more susceptible to the erosion caused by the acid content of vinegar. Regardless of age, after eating foods containing vinegar it’s a great idea to wash your mouth out afterwards. Also look to avoid vinegar in places you might not consider right away, such as potato chips, sauces (especially hot sauces), and pickles. Pickles may be the worst offenders as they contain vinegar AND sugar. Grapefruit and lemons are the worst offenders among fresh citrus fruits due to their higher acid content. Perhaps even worse, however, are dried fruits. Not only are they high in sugars but their fibrous biology causes them to stick to teeth, wedging that sugar and acid into the cracks, crevices, and porous surfaces of teeth.  Don’t forget that tomatoes are a fruit. They also have a high acid content and can damage enamel both raw and as a sauce. Your best bet is to eat them as part of a meal so that you can enjoy their flavor and nutrients while cutting down on their acidity levels. Some citrus fruit each day shouldn't be a problem — these fruits, after all, have a great many benefits. Just be conscious of how much you are eating and try to notice any affects on your teeth. Saliva breaks down carbs while you chew, turning them into enamel-eroding acid. Even healthy carbs like brown rice, whole-grains, and sweet potatoes are flagrant perpetrators. White carbohydrates are even worse — they are the most incriminated factors that produce cavities. Carbohydrates also tend to get stuck in teeth and continue to wear down enamel all day long, developing aggressive bacterial sites. For example, eat something that counterbalances the acidity of the fruit, such as nuts, at the time of eating the fruit. This will turn enamel-wearing acids into friendly bases in your mouth, sparing your teeth the wear-and-tear. Most snack foods are carbohydrates in one form or another, contain sugar, and some of them are also acidic due to the presence of vinegar or other additives. So in addition to being, basically, devoid of nutritional value they also wear out the enamel on your teeth. If you enjoy nibbling on food all day long, you may be endangering your teeth. The best solution is to ensure that the foods that you consume are either low in acidity or are combined with foods able to counteract the acidity and reduce your need for the acidic food. For example, consuming nuts or cheese with fruit may be one way to reduce the effects of acid wear. Nuts and dairy foods are considered helpful balancers to acidic foods.
Summary: Don’t eat candy. Pass up vinegar-based salad dressings. Rinse after eating fruit. Reduce carbohydrates. Practice balanced eating patterns. Stay away from processed snack foods. Avoid grazing throughout the day.

Problem: Article: The present value of the bond's principal tells you its current worth based on the current market interest rate.  For this calculation, you need to know the current market interest rate.  Also, you need to know the length of time until the bond expires and the number of interest payments per year.  For example, suppose ABC Company issues 5-year, $500,000, 10% bonds.  Interest is paid semi-annually.  The current market interest rate is 12 percent. In this example, the current market interest rate is 12 percent. The length of time until the bond expires is 5 years. Divide the annual current market interest rate by the number of interest payments per year.  Using the example above, the annual market interest rate is 12 percent.  Interest payments are paid semi-annually, or twice per year.  The market rate per period is 6 percent (.12/2=.06){\displaystyle (.12/2=.06)}. Multiply the number of interest payments per year by the number of years until the bond reaches maturity.  This tells you how many interest payments will be made over the life of the bond.  In the above example, interest is paid out semi-annually, or twice per year.  The number of years until maturity is five.  The total number of interest payments is 5∗2=10{\displaystyle 5*2=10}. This is used to calculate the present value of the bond based on the current market interest rate.  The formula for PVIF is 1/(1+r)n{\displaystyle 1/(1+r)^{n}}.  In this formula, “r” is the interest rate per period.  Also, “n” is the total number of interest payments.  PVIF = 1/(1+.06)10=0.5584{\displaystyle 1/(1+.06)^{10}=0.5584}  Present value of the principal = principal * PVIF $500,000∗0.5584=$279,200{\displaystyle \$500,000*0.5584=\$279,200}
Summary:
Gather the information. Calculate the current market interest rate for each payment period. Calculate the total number of interest payments. Calculate the Present Value Interest Factor (PVIF).