Problem: Write an article based on this summary: Estimate your need and set a savings target. Start saving as early as possible. Start working early to earn your own college money. Get help from family members.

Answer: It is never too early to begin thinking about saving for college. Although you do not need to decide exactly what school you (or your child) will attend, you should begin to consider some general possibilities. Understand that private universities generally will cost more than public universities. Public schools also grant tuition reductions for in-state residents. As your child grows and begins to develop interests, you can certainly redirect your focus, but it will help to set some targets for saving as early as possible.  According to U.S. News and World Report, the average tuition and fees at a private university for the 2016-17 school year are $33,635. The most expensive school in the study is Columbia University, with a one-year cost of $55,056.  The average in-state resident cost at a public university, reported by College Board, is $9,410 for a single year. These figures tend to increase by about 3% to 5% each year. Start thinking now about ways you can save money while in college. Even without any specialized investments or major savings plan, you can get a very big start on college saving by beginning early. Small amounts of money that you begin to set aside early can grow into substantial savings, even at modest return rates. The sooner you begin saving, and the more you save, the wider your range of options will be when the time comes to attend college. As a student, there are many opportunities to begin earning money that can be set aside for college. Some common jobs that are available even to relatively young students are babysitting, yard work, dog walking, house sitting or washing cars. If you are energetic, and with your parents’ permission, you can visit neighbors to ask if they have any jobs you could do to earn some money. As you earn, begin setting some money aside for college. Relatives, even extended family members, may be willing to help with college saving. If you speak with them early in the child’s life, you could design a saving plan that would not be too intrusive or expensive, but can have very positive results. Instead of, or perhaps in addition to, birthday or holiday gifts, you could ask relatives to contribute to a savings account for college. They will probably feel very good about being able to help in this way. The IRS allows individuals to make gifts to family members without paying a gift tax on the transferred money. This allowance is as high as $14,000 for gifts made during 2016. (Note that this is not tax deductible for the giver, but the amount of the gift is excluded from taxable income for the recipient.)


Problem: Write an article based on this summary: Decide which recipes should be halved. Cut all of the ingredients in half. Rewrite the reduced recipe so it's easier to follow. Follow the recipe's directions. Cook the recipe at the directed temperature. Check the food halfway through the cooking time.

Answer: While most recipes can be halved, recipes that use yeast should often be left. If you can't easily halve a recipe, consider baking a full portion and freezing half or giving some away. Keep in mind that it's easy to halve most cooking recipes. For example, a delicate souffle might not rise properly if you halve the ingredients, but it's easy to halve the ingredients for a batch of cookies. To halve a recipe, it's important to reduce each ingredient by half. This ensures that the ratios of the recipe are the same as for the original recipe. For example, if a recipe calls for 4 cups (950 ml) of stock, 2 cups (250 g) of chicken, 1 carrot, and 1/2 cup (15 g) of fresh parsley, you'd use 2 cups (470 ml) of stock, 1 cup (125 g) of chicken, 1/2 of a carrot, and 1/4 cup (7.5 g) of fresh parsley. If you're making adjustments to a recipe that only has 2 or 3 ingredients, you might not need to do this. However, if you're halving a recipe with a long list of ingredients, take the time to write out the recipe with the reduced amounts. This will prevent you from forgetting and accidentally adding too much of an ingredient. Once you've scaled down all of the ingredients by half, you're ready to follow the recipe. You don't need to make any adjustments to the method of assembling the ingredients, although you may need to change pan sizes for baking. For example, if you're marinating beef for a stew and you've already marinated half of the beef in the reduced marinade, follow the recipe's instructions to sear the meat. Then add the rest of the ingredients and simmer the stew. Even though you're cutting the ingredients in half, you don't need to change the cooking temperature. Reducing the oven temperature could mean that the food wouldn't cook fast enough and could cause foodborne illness. Raising the oven temperature could cause the food to brown quickly or even burn.  For example, if you're supposed to sauté chopped onions over medium heat for 8 to 10 minutes, you'll still need to keep the heat at medium. The only time you might need to adjust the temperature is if you're using a glass baking dish instead of a metal one. In this case, reduce the oven temperature by 25 degrees. If you are baking half a recipe in a dish that is of half its original size, you might need to reduce the cooking time, as well. Begin checking the food halfway through the cooking time. It probably won't be done just yet, but check it every few minutes after this point.  Keep in mind that if you're cutting the number of something, such as cookies or cupcakes, they'll still need to bake for the recommended time. For example, if you're baking brownies, begin checking them at 20 minutes instead of 40 minutes, especially if you don't adjust the pan size.


Problem: Write an article based on this summary: Open PayPal. Tap Log In. Type in your email address and password. Tap Log In. Tap Send Money. Type in a contact's email address or phone number. Tap their name. Tap a payment option. Type in an amount. Tap Next. Tap Send now.

Answer:
This app is blue with a white "P" on it. It's in the bottom-left corner of the screen. If your PayPal accepts Touch ID, you can scan your fingerprint to open PayPal instead. Doing so will take you to your PayPal account. If you used Touch ID, skip this step. It's in the left-middle side of the screen, directly below the "Send and Request" heading. Money sent from PayPal gets withdrawn from your bank account if you have no PayPal balance. Enter this information at the top of the screen.  If you've never sent money through PayPal before, first tap Let's get started! at the bottom of the screen. You'll also see a list of contacts below the search bar, so you can tap a name instead of searching. It will appear below the search bar. You have two payment options here:   Friends and Family - Personal payments. PayPal won't charge your recipient a fee.  Goods and Services - Business-related payments. PayPal charges your recipient 2.9 percent of the amount you send, plus an additional 30 cents. There isn't a decimal point button on the PayPal keypad, so you'll an extra two zeroes on the end of what you plan on withdrawing. This option is at the bottom of the screen. It's at the bottom of the screen. Your recipient will receive a notification that you sent the money within a few minutes of you sending it.  You can review where the money is being sent from (e.g., bank account vs. PayPal account) at the bottom of the page. If you want to add a note to your payment, tap Add a note near the top of the screen and type one in, then tap Done.