In one sentence, describe what the following article is about: Immediately report the car accident to your insurance company. Also provide the insurance company with information on the other driver. Immediately filing a claim will speed up the process of getting your car repaired and securing a rental vehicle, if necessary. Do not lie when stating the facts of the accident, as this can result in denial of your coverage. The other driver may suggest not filing claims in the event of a small accident, as filing a claim will raise your rates. However, it is always a good idea to file a claim to protect yourself. The other driver may later change his mind and file a claim, even claiming injuries that weren’t apparent at the time of the accident. You want to be sure your insurance company has your version of the accident as soon as possible. Particularly if anyone was hurt in the accident, hiring a lawyer is a good idea. A lawyer can help you maximize your reward if you have been injured, or defend you if the other motorist was injured. Keep records of any hospital visits, tests, prescriptions or other expenses that arise as a result of your auto accident. This information will be needed by your insurance company and attorney. If the accident impacts your life to the extent that you decide to file a personal injury suit, you can claim damages for mental and physical distress and/or lost wages, as well as medical treatment. Keep a diary of how the injuries impact your life, including missed workdays, routine activities you cannot undertake, and changes to you family life. This will determine how much your company, or the other motorist's company if they were at fault, is willing to pay to replace or fix your car. If you think the number is too low, get your own independent estimates, and then discuss them with your adjuster. Certainly the other motorist’s company, and perhaps your own, may not have your best interests at heart.  If the other motorist’s insurance company calls you, politely refuse to discuss the accident with them and mention the call to your own insurance company or lawyer. If your company offers you an early settlement, do not sign it until you are sure you will be compensated for all your injuries. Some injuries – particularly back and neck ones caused by whiplash – might not show up or reach their maximum level of pain until weeks or even months after the accident.
Summary: File an insurance claim. Consider hiring a lawyer. Document medical treatment. Keep track of pain and suffering and lost wages. Get an insurance company damage valuation. Protect yourself from insurance companies.

In one sentence, describe what the following article is about: If your regular coat isn't warm enough, opt for a parka when styling your business or evening wear. Choose a neutral parka rather than a multi-colored or patterned jacket.  To look stylish, pick a parka 2–5 in (5.1–12.7 cm) longer than your jacket. Select a black or grey parka with a dark-colored suit, for example. Go with a brown parka with a tan or khaki combination. If you want to go out on the town but need to keep warm, throw a parka over top. Parkas make great coat options even with formal outfits. Don't forget your tights!  Choose a brightly colored parka or one with a subtle pattern if wearing a solid dress. Choose a neutral or plain parka if wearing a patterned or bright colored dress. If you want to elevate your parka for a dressier look, pick a suitable footwear option. Either way, you'll keep warm and look great!  Choose a full brogue or Oxford for an attractive, unisex option. If you want a little height, choose an ankle boot.
Summary: Wear your parka over a suit for a business-appropriate option. Put on a parka over your favorite dress for an evening look. Pair your parka with brogues, Oxfords, or ankle boots for an easy nighttime style.

In one sentence, describe what the following article is about: The formula for this calculation is more complex.  With compound interest, the accumulated interest is added back to the principal each payment period.  Then interest for the current year is calculated on the principal plus the accumulated interest.  Since the interest grows exponentially, you must use an exponential formula to calculate the future value.  The formula for future value with compound interest is FV = P(1 + r/n)^nt. FV = the future value; P = the principal; r = the annual interest rate expressed as a decimal; n = the number of times interest is paid each year; and t = time in years. Interest can be compounded annually, semiannually, quarterly, monthly or daily.  This determines the number of compounding periods in the year. Suppose you invested $5,000 in an account that paid 5 percent interest compounded annually for eight years.  In this example, since the interest is compounded annually, there is one compounding period.  In the equation, P = $5,000; r = .05 (5 percent expressed as a decimal); n = 1; t = 8. FV = 5000(1 + .05/1)^(1*8) = 5000(1.05)^8 = 5000 x 1.48 = 7387.28 At the end of eight years, the investment would be worth $7,387.28. The annual interest rate and the compounding periods are adjusted for the number of times interest is paid within the year period. In this example, the principal is $5,000, the interest rate is .05 (5 percent expressed as a decimal) and the time is eight years.  But the number of compounding periods is four since there are four quarters in a year.  FV = 5000(1 + .05/4)^(4*8) = 5000 (1.0125)^32 = 5000 x 1.49 = 7440.65 The future value of the investment would be $7,440.65.
Summary:
Learn the formula for calculating future value with compound interest. Calculate the future value of money using the formula. Calculate the future value of the same investment if the interest rate were calculated quarterly.