Summarize the following:
It’s usually safer to work from a ladder instead of on the roof. Lean the ladder against your house. Keep the ladder away from power lines. Do not place the ladder in front of any doors, as someone opening a door could knock the ladder down.  Always keep both feet firmly against a rung of the ladder, and hold onto the side of the ladder with the hand you’re not working with.  When painting from your ladder, don’t try to extend your reach to paint areas that are too far away. This could cause you to lose your balance and fall. Instead, use a paint roller with a long handle to reach patches far away from you. Purchase a harness and rope at your local home improvement store. Anchor the rope securely to a stable part of your house or to a tree. Put on the harness and then attach the rope to it. With a harness, you can prevent yourself from falling off of the roof if you lose your balance. Safety is very important when working from on your roof, so it’s best to have someone else with you at all times. Have someone hold the ladder from below to keep it stable while you’re working from it. This same friend can help you if you do have an accident.

summary: Work from an extension ladder instead of going on the roof if possible. Wear a harness with a safety rope when you’re on the roof. Work with a friend to stay safe.


Summarize the following:
et active. Exercise is shown to have drastic and positive effects on your mood, releasing stress-reducing hormones in your body that help to keep you feeling good. One excellent way of improving your outlook is to find some method of exercising that you enjoy, and making physical activity a bigger part of your life.  Start small. Just start by taking 30-40 minute walks around your neighborhood, moving at a good clip. Cue up some music or a podcast that you enjoy in your headphones, and get some fresh air. Find a team sport that you like, like football, soccer, basketball, or volleyball, and join a community team if you enjoy the positive effects of sport. If you don't like gyms or sports, try a solo activity like hiking, swimming, or riding your bike. . Sometimes, if you start feeling like you're wandering aimlessly, the negativity will start to creep back in. To keep those feelings at bay, start setting goals actively and working hard to meet them. Even if they're relatively small things, it's important to have some sense of purpose to meet the day.   Write up a five year plan for important goals and do something every week to get yourself moving toward those goals. Where do you want to be in five years? What do you want to do? What can you do right now to move in that direction? If you're feeling successful in your life, but still struggle with feeling like you're not getting the most out of it, get a new hobby. Pick up an instrument, or start an art project to get creative in a way you might not be used to. It's important to set aside the time to let yourself feel good. Even if you're busy, even if you're not feeling that great, it helps you cultivate a positive mindset to take the time out to celebrate with friends and family. Celebrate accomplishments, big and small. When someone graduates, that's cause for celebration. But, so is a regular Friday. Raise a toast to getting through the week! . What you put into your body can have a big impact on how you feel, both physically and mentally. Getting more leafy greens, omega-3 fatty acids, and folate in your diet is proven to come with mood-altering properties for the better.  Always eat breakfast. Research reveals that people who eat breakfast are helping to jumpstart their metabolism, resulting in more energy and positivity throughout the day. Eat complex carbohydrates, found in oatmeal, whole grains, and sweet potato, to give yourself energy without the crash associated with simple carbs, like sugary cereals and processed foods. . Relaxation is essential to staying positive. If you're the stressful type, train yourself to take a step back and grab a relaxation break when you need it. It's not a sign of weakness, it's a sign that you're doing what you need to do to stay healthy.  Take short breaks periodically throughout the day. 10-15 minutes of sitting quietly and listening to meditative music, or reading a magazine during a busy workday can help you feel a lot more positive about the day. Take longer breaks as well. Don't leave unused vacation days on the table. Take a week off and use it to restore.

summary: . Set and complete goals Take the time to celebrate. Eat well Let yourself relax when you need to


Summarize the following:
Investors often determine a required yield, or the minimum return they want to get on a bond, before purchasing.  Calculating the yield to maturity can inform you about whether a specific bond purchase will meet an investors expectations.  These expectations may vary from investor to investor.  However, the calculation gives investors concrete data with which to compare the value of different bonds. Bond issuers may not choose to allow a bond to grow until maturity.  These actions decrease the yield on a bond.  They may call a bond, which means redeeming it before it matures.  Or, they may put it, which means that the issuer repurchases the bond before its maturity date.  Yield to call (YTC) calculates the yield rate between the present and the call date of a bond.  Yield to put (YTP) calculates the yield rate until the issuer puts the bond. The YTM does not account for taxes or for purchasing or selling costs.  These effectively lower the yield on a bond.  Also, investors must remember that these calculations are estimates only.  Fluctuations in the market can have significant effects on the bond yield.
summary: Use it to evaluate whether or not a bond is a good investment. Learn the variations of yield to maturity. Understand the limitations of yield to maturity.