In one sentence, describe what the following article is about: While the process might seem obvious, it’s important to read the directions and make sure you understand them before using the cream. Different brands of hair removal cream have slightly different instructions.  Additionally, this will allow you to learn of potential side effects and also check ingredients for anything you may be allergic to.  Make sure the cream is designed for facial use. Not all hair-removal creams are meant to be used on the face. You can also look for a cream that's designed specifically for the type of facial hair you're looking to remove, like eyebrow hair or mustache hair. Especially if you’ve never used the product before, you’ll want to try it on a small patch of skin before using a significant amount on your face. Follow the instructions and apply the cream to a very small area on your jawline. If you don’t notice any reactions or irritations on the area after 24 hours have gone by, it’s most likely safe to use it on your face. . Your face should be clean and dry when you apply hair removal cream. To properly wash your face, wet it with warm water, apply a cleanser, and then exfoliate your skin. Finally, rinse your face with cool water and pat dry with a clean towel.
Summary: Read the product label. Do a test patch on a small area of skin. Wash your face

In one sentence, describe what the following article is about: Go to a friend or family member's house where you know a cat is living and get the child to interact with the cat. This way, you can watch for signs of a cat allergy.  Be aware that cat allergies can arise from contact with the skin, fur, dander, saliva and urine of the animal. It is important to note here that you should not try exposing your child to cats, or any animals, without knowing if they do or don’t have an allergy  if your child suffers from asthma. Simple allergic symptoms can trigger potentially deadly asthma episodes. If your child shows any of the following symptoms, he may be allergic to cats:  Excessive coughing, wheezing or sneezing Gets hives or a rash on the chest and face Has red or itchy eyes Redness on a spot of skin where the child was scratched, bitten, or licked If your child complains about any of the following symptoms while exposed to the cat, your child may have a cat allergy:  Itchy eyes A stuffy, itchy, or runny nose Itchy skin or hives where the cat touched the child If you do notice any of the above symptoms in your child, it is important to remove her from contact with the cat until you have devised a plan to lessen or eliminate the symptoms of her allergies. Observational and anecdotal evidence may be enough to determine a cat allergy in a child. However, you will want to visit the doctor and get an allergy test. Keep in mind, though, they aren't always accurate, so if your child tests negative, you should still observe the child for signs of allergies when he is exposed to a cat. Most allergic reactions are limited to redness, itching, hives and nose stuffiness, but signs of more severe allergic reactions may become apparent when exposing your child to a cat. Swelling of the throat can occur in severe allergic reactions, which can lead to the constriction of airways. If this happens, get your child to a medical professional immediately and do not expose them to any more cats in the future.
Summary: Place your child around cats in temporary situations. Observe your child. Listen to your child. Remove your child from the allergen. Have an allergist test your child. Spot more severe allergies.

In one sentence, describe what the following article is about: The total return on a fund is the sum of the value of any dividends the fund paid out, the value of any capital gains the fund paid out, and any increase in NAV over the life of the purchaser's holding, divided by the purchase price of the fund. The total return is expressed as a percentage, to illustrate what percent of the purchase price holders have received in cash distributions and fund appreciation during the fund life. Mutual funds are required by law to distribute capital gains (positive cash flow from the purchase and sale of stock with mutual funds) to fund shareholders. This is different than a share of stock, where the holder receives capital gains as an increase to share price, not a direct pay out. For this reason, the NAV of a fund isn't enough on its own to evaluate long-term performance of a fund. You should analyze your total return rate to determine whether or not you are earning enough income off of your fund investment. Most funds are fairly diverse, and mutual funds should over-perform the stock market. While the stock market does fluctuate constantly, you should evaluate your fund's performance against the market's to ensure you are getting a reasonable return. From 1926 to the present, the annualized return for the S&P 500 has been about 10 percent.  The annualized return from Sept 2005 to Sept 2015 for S&P 500 has been about 7%.  Note that returns can vary depending upon holding period, and that returns of individual stocks can vary significantly.  You should compare your total return rate to the return rate on the stock market for the period you are assessing, while considering your overall acceptable return rate. The net asset value is a good indicator of whether or not your investment in the fund is retaining its value. If you purchased a share of a mutual fund for $50, receive investment income on the fund of $5 each year, and maintain a net asset value of $50 each year, you will essentially be earning 10% interest on your investment, which is a much higher rate than a savings account. By following the NAV of your fund shares, you can monitor whether or not your base investment is retaining its value, in addition to bringing in income. Most investment strategists caution against using the NAV to value your investment in the same way you might value an investment in stock using the daily stock price. Because mutual funds pay out all of their income and capital gains to shareholders, (besides the management fees charged to operate the fund), successful mutual funds don’t have to increase their NAV over time. They instead need to maintain NAV while providing interest payments to shareholders. After assessing the NAV and total return performance of your fund investment, you may consider whether or not to adjust your investments. While mutual funds are considered some of the most secure and diverse investments in stocks, some funds focus on specific market areas, like tech or healthcare. If you feel your specific fund isn't providing the returns you are seeking, and you think you can get those returns elsewhere, adjust your investments accordingly.
Summary:
Calculate your fund's total return. Evaluate your fund's total return rate. Evaluate your fund's net asset value. Adjust your fund investments.