INPUT ARTICLE: Article: Create a budget that delineates all of your monthly expenses.  Figure out how much money you have left over to put towards debt payments each month.  Only charge what you can afford to pay each month. For example, suppose after paying for your rent, utilities, transportation, food and other necessary expenses each month, you have $80 left over.  Don’t charge more than $80 per month on your credit card so that you can afford to pay the credit card bill each month. This shows future lenders that they can depend on you to pay back what you borrow.  As a rule of thumb, you should spend no more than one-third of your income on debt.  This includes mortgages, credit cards, student loans and car loans.  Monitor your spending each month to make sure you are no spending more than you can afford. Your credit score is based in large part on your ability to pay your bills on time.  This shows lenders that you are responsible and dependable.  Make a commitment to never miss a payment.  Consider setting up automatic payments that can be deducted from your bank account every month on the due date.  This way you will never make a late payment or miss a payment. If you have to carry a balance on your credit card, pay at least the minimum amount due each month.  Make all of your payments on time.  Keep your balance below 25 percent of your total credit limit.  Part of your credit score is based on the percentage of available credit you are using.  Make a plan to pay down your balance as quickly as possible. Check your credit report at least once per year.  Look for accounts you don’t recognize, loans that have been paid off but are still reported as “open,” and mistakes in your personal information.  Contact the credit reporting agencies to report any inaccurate information or suspicious activity.  You are entitled to receive one free credit report per year from annualcreditreport.com. Your credit report does not include your credit score. You may need to purchase this separately.

SUMMARY: Make a budget and stick to it. Borrow only what you can afford to borrow. Pay your bills on time. Carry credit card balances responsibly. Monitor your credit report.

In one sentence, describe what the following article is about: The thread count of a sheet affects its softness. Many people believe a higher thread count means softer sheets. However, many manufacturer's exaggerate thread count, so this is not necessarily always the case. In general, a thread count of over 200 is recommended for comfort. Anything above 800 is probably unnecessary. You can identify fabricated thread counts by thread type. Thread that is 2-ply is often twisted around itself to create a higher thread count. However, as the thread is of less high quality, this does not mean the sheets will be softer. Be wary of sheets made from 2-ply thread. Most sheets are finished with a chemical process to keep them from wrinkling. If you're not adverse to chemical-based products, wrinkle free sheets can require a lot less upkeep. However, if you're wary about chemicals, look for sheets labeled as organic. If you're buying a patterned sheet, it may use a lot of dye. Your sheets may feel stiff and uncomfortable if you don't wash them a few times before use. If you have a sensitivity to any type of dye, avoid getting sheets that contain that product. Most varieties of sheets come in many different colors and patterns. Ideally, you'll want colors that match the scheme of your room. For example, if you have a room with blue wallpaper, you may want to go with blue sheets. Keep in mind dark colors hide stains better. If you're buying sheets for a very young child, who may have an accident in the bed, go for darker sheets.
Summary: Pick an appropriate thread count. Pay attention to finish. Look at what types of dyes are used. Pick the right color.

INPUT ARTICLE: Article: These and those are both pronouns, words that refer to or substitute for other nouns in the sentence. They draw attention to something specific. Because a pronoun takes the place of another noun, using the correct one helps your reader understand what the referent of the pronoun is (i.e., what noun it took the place of).  These and those are plural pronouns: they refer to or replace plural nouns. "Agreement" means that the pronoun takes the same number as the noun it replaces. If the noun is singular, you would use this or that. If the noun is plural, you would use these or those.  American English considers collective nouns, or nouns that refer to a large group of things that cannot be counted individually (such as milk or data), as singular nouns. Use this or that rather that these or those for collective nouns. For example: "This milk has spilled all over the floor!" British English differs from American English in using collective nouns. British English refers to some collective nouns such as crowd or data as plural, so it is appropriate to use these or those in British English. For example: "These data don't match the graphs you gave me." These is the plural form of this. You will use it to refer to or replace a plural noun.  Singular: This book (a single book) on the shelf next to me belongs to Rajeev. Plural: These books (several books) on the shelf next to me belong to Rajeev. [Note that the verb belong has also been made to agree in number.] Singular: Look at this bracelet (a single bracelet) on my wrist! Plural: Look at these bracelets (many bracelets) on my wrist! Singular: Who put this cupcake (a single cupcake) in the refrigerator? Plural: Who put these cupcakes (some cupcakes) in the refrigerator? Those is the plural form of that. You will use it to refer to or replace a plural noun.  Singular: That mountain (a mountain) looks really small from here. Plural: Those mountains (several mountains) look really small from here. [Note that the verb look has also been made to agree in number.] Singular: Could you hand me that box (a box) on the other side of the room? Plural: Could you hand me those boxes (a few boxes) on the other side of the room? Singular: Why hasn't that scientist (a scientist) at NASA found extraterrestrial life? Plural: Why haven't those scientists (many scientists) at NASA found extraterrestrial life? [Note that the verb have has also been made to agree in number.]

SUMMARY:
Understand the function of pronouns. Understand pronoun agreement. Understand the function of these. Understand the function of those.