Q: With a tiered APR, the credit card company applies different rates to different parts of the balance. For example, it may charge 17 percent on balances up to $1,000 and 19 percent on balances above $1,000.00. If you have an outstanding balance of $1,500, you would pay 17 percent interest on the first $1,000 and 19 percent interest on the last $500. Figure out how many tiers apply to the outstanding amount at the end of your billing cycle. You need to figure out the DPR for each of those rates individually. So, for our example:  17 ÷ 365 results in a DPR of 0.047 for the first $1,000 of your balance. 19 ÷ 365 results in a DPR of 0.052 for the last $500 of your balance. The steps are essentially the same as those for fixed and variable rates, as you can see. But it's important that you remember to apply each step to the different tier rates. Assume that we’re calculating the monthly rate for January, which has 31 days.  0.047 x 31 = a monthly rate of 1.457 percent for the first $1,000 0.052 x 31 = a monthly rate of 1.612 percent for the last $500 Again, move decimal points two places to the left to convert percentages to numbers that can be multiplied.  $1,000 x 0.01457 = $14.57 of interest paid on the first $1,000 $500 x .01612 = $8.06 of interest paid on the last $500 $14.57 + $8.06 = $22.63 of interest paid on your outstanding balance of $1,500.
A: Understand how tiered APRs work. Calculate the DPR for each tier. Multiply each DPR by the number of days in the month. Calculate the interest paid on your outstanding balance. Add the amounts together to find your total.

Q: Lack of storage space can often prevent Blackberry Desktop Software from successfully updating your device software. Try deleting text messages, third-party applications, Internet browsing history, and other data you no longer need to free up memory on your device. if updating your device results in software malfunction. In some cases, a corrupted update or an update that fails to complete can cause software problems, but performing a reset can help restore your Blackberry to a working state. In some cases, faulty hardware can interfere with your being able to update your Blackberry.
A: Delete data on your Blackberry to free up memory if the software update fails to complete. Try resetting your Blackberry Try using another USB cable or USB port on your computer if your computer or Blackberry Desktop Software fail to recognize your Blackberry Curve.

Q: Don’t just offer a blanket “I’m sorry.” Think carefully about what you are really apologizing for, and be specific when you say you’re sorry.  If you know you hurt your friend’s feelings, apologize for what you said. Say something like, “I’m really sorry I called you stupid. I respect you way more than that and my words were careless and rude.” You might say, “I’m sorry that I waited so long to call you after the fight,” if you honestly don’t think the argument was your fault. After you apologize, let your friend talk. Listen carefully to what your friend has to say, and try not to be defensive when they tell you what they think about the fight. You might have done something to hurt or upset them that you don’t even realize. You can talk about what happened, but don’t use this as an excuse to rehash the fight itself. Focus on using “I” statements that focus on your perspective rather than “you” statements that are centered on blame.  You could say something like, “I was feeling stressed out already that day and I lost my temper, and I shouldn't have done that” or “I felt really frustrated when you weren’t listening to me, but I shouldn’t have snapped at you.” Don't make excuses for your behavior. It's okay to explain how you were feeling, but be sure to take responsibility for your words and actions. A lot of times, once you’ve apologized, your friend will say “I’m sorry too.” If they do, let them know you accept their apology and you’re ready to get things back to normal. If your friend doesn’t apologize, ask yourself whether it’s more important to hear them say they’re sorry or to have your friend back. Your friend may not be ready to forgive you or even to end the argument. Respect your friend’s emotions, but don’t let them pull you back into the fight.  If your friend is still mad, ask what you can do to make it better. If they give you an answer, try to do that. If they say nothing, your friend may need more time, or they may want to end the friendship.  Try to be patient with your friend as they take the time to heal after your argument. They may need more time than you do, and that's okay. Whether you and your friend have repaired the friendship or your friend is still upset, try to end the conversation positively.  If you’ve made up, leave with a big hug and plans to hang out soon. If your friend is still upset, close the conversation by saying something like, “I still love you and I’ll be here if you want to talk.”
A: Offer a sincere and specific apology. Give your friend a chance to tell their side of the story. Share your thoughts about the argument. Accept your friend’s apology if they say they’re sorry. Give your friend more time if they're still angry. End on a positive note.

Q: There are many routes you can take as an adoption counselor. You might consider working as a counselor for adoptive parents or as an advocate for the birth parents of the child. Your previous field work and supervised work experience should be your guide in selecting specific positions for application. Birth parents often experience a range of emotions during the adoption process including grief, fear and loss. Helping your clients cope with these emotions will be an important component of your work. You might also consider working with birth mothers or birth parents who are unsure if they want to pursue adoption. You can inform them of their options while also providing them information on the process of adoption. Governmental departments such as Health and Human Services and non-profits like Planned Parenthood often help connect these adoption counselors to birth mothers. As a counselor in this role, you will help adoptive parents navigate the often long and complex process of adoption. You will need to make sure they are aware of the many options they have in pursuing adoption (with public, private or international agencies) as well as preparing them for any potential obstacles during and after the adoption process. By working with a public adoption agency, you will be helping children in the foster care system who are sometimes older. You will also work as a counselor to both the parents and the child as they transition from the foster care system to the adoptive home. If you work in a private, licensed adoption agency or an international agency, you are more likely to work with infants and parents who are interested in adopting infants. If you are working as a consultant with an adoption agency, you might be required to visit the home of the prospective adoptive parents and assess it according the state guidelines and/or the requirements of your licensed private agency. In addition to assessing the physical condition of the home, counselors conducting home studies will also need to evaluate the emotional state of the adoptive parents, including their concerns and anxieties as well as their general views on parenting and family life.
A:
Select an area of focus. Consider becoming a birth parent counselor. Become a counselor for adoptive parents. Decide whether you would like to work with a public state agency, a licensed private agency or an international agency. Prepare to conduct home studies.