Make a solution of roughly equal parts water and white vinegar. If in doubt, err on the side of too much water. If you have it, add a few drops of leather cleaner to the solution. Gently massage a thin layer of the mixture into the stain with a clean rag or towel. Let it sit for at least 10 minutes, up to an hour. Wet a clean rag, and gently blot away the vinegar solution with one corner. Then use another clean corner to do a second wipe, to ensure the mixture has been completely removed. Pat it dry with a clean paper towel. Let it dry for at least 24 hours. Use a soft cloth to rub a small amount of leather conditioner into the affected area. This will help restore the leather’s texture. Let it dry again.
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One-sentence summary -- Dilute the vinegar. Apply the solution. Clean it off. Condition the leather.

Q: Another way to calculate the APY is to work backward from your actual savings, to determine the rate that you earned. To perform this calculation, you need the following information:  Interest. This is the amount of interest that you earned over a specified period of time. You will need good bank records or a periodic bank report to get this number. Principal. This is the amount of money that you held in your account to earn the interest. If the amount of principal changes over time, you will need to perform separate calculations for each time period that the principal is constant, and add them together. Days. This is the number of days that the Principal remained in the account when the interest accrued. When you know the amount of money in your account and the amount of interest that you earned, you can calculate the APY with the following formula:  APY=100[(1+IP)365d−1]{\displaystyle {\text{APY}}=100[(1+{\frac {I}{P}})^{\frac {365}{d}}-1]}   I{\displaystyle I} is the interest earned  P{\displaystyle P} is the amount of principal  d{\displaystyle d} is the number of days Suppose you learn that you earned $60 interest on a savings account that started with $5,000, over half a year (182.5 days). Use this information to calculate the APY that you received:  APY=100[(1+IP)365d−1]{\displaystyle {\text{APY}}=100[(1+{\frac {I}{P}})^{\frac {365}{d}}-1]} APY=100[(1+605000)365182.5−1]{\displaystyle {\text{APY}}=100[(1+{\frac {60}{5000}})^{\frac {365}{182.5}}-1]} APY=100[(1.012)2−1]{\displaystyle {\text{APY}}=100[(1.012)^{2}-1]} APY=100[(1.024144−1]{\displaystyle {\text{APY}}=100[(1.024144-1]} APY=100[0.024144]{\displaystyle {\text{APY}}=100[0.024144]} APY=2.4144%{\displaystyle {\text{APY}}=2.4144\%} The final step of the calculation, multiplying by 100, is just to transform the decimal figure into a percentage.
A: Collect information about your savings. Use the alternate APY formula. Insert the data and perform the calculation.

Article: Put the contact information from business cards of people you actually might contact into your phone and get rid of the cards or leave them at home. Use apps on your phone to store card info to limit the number of cards you need to carry around. If you have an iPhone you can use Apple Wallet to carry digital card info, or if you have an Android phone you can use Google wallet. Carrying a bunch of your own business cards to hand out in your wallet is an easy way to bulk it up. Get a separate business card holder to carry your cards and free up space in your wallet. You can also digitize your own business cards by using a mobile app to create digital versions that people can read with their phones by scanning a QR code. Coins take up a lot of space and add a lot of weight to your wallet. Take them out and put them in a jar to save up for a rainy day. If you actually use change and insist on carrying it, then use a wallet that has a small zippered pouch for coins. Get a wallet that has just enough space for your essential items. This will keep you from filling it up with things you don’t actually need. You can get a small front-pocket wallet, that just has room for cards, and carry a small amount of cash separately if needed.
Question: What is a summary of what this article is about?
Digitize any information that you can to avoid carrying it with you. Put business cards in a separate business card holder if you use them. Store your loose change somewhere other than your wallet. Choose a wallet that is a suitable size for your needs.