Write an article based on this "Learn the meaning of debt service. Calculate monthly payments on debt. Calculate total monthly debt service payments."
article: Debt service is the amount of cash needed to pay interest and principal owed on a debt for a specific period of time.  It is usually calculated on an annual basis.  Businesses or individuals may need to know their total debt service when applying for a loan.  An individual’s debt service might include a mortgage and student loans. Debt service for companies includes the principal and the interest on outstanding loans. An individual or company that cannot afford to make the payments is said to be “unable to service the debt.” In most cases, your lender calculates your monthly payments when you are approved for a loan.  However, you can calculate the monthly payments yourself. You can search online for a payment calculator or do the equation by hand. To calculate monthly payments on a debt, first calculate the rate per month by dividing the annual interest rate by 12.  Then, calculate the monthly payment on each loan using the following formula: A=P[r(1+r)n]/[(1+r)n−1]{\displaystyle A=P{[r(1+r)^{n}]/[(1+r)^{n-1}]}}.  In this formula, A = amount per month, P = principal (loan amount), r = interest rate per period and n = total number of payments.  For example, suppose you purchased a $21,000 car and you put down a $1,000 down payment. You need to borrow $20,000, so you take out a 60-month loan at an annual interest rate of 7.5 percent. Calculate the interest rate per period (month) by dividing 7.5/12 = 0.625 percent per month. Plug in the values to the formula: A=[.625(1+.625)60]/[1+.625)60−1]{\displaystyle A={[.625(1+.625)^{60}]/[1+.625)^{60-1}]}}. In this example, the total monthly payment would be $400.76. Begin by calculating the monthly payment for each of your loans. Total the monthly payments for all of your loans by adding all of the monthly payments together. Once you know your total debt service payments, you can calculate the debt service ratio.  For example, suppose in addition to the car loan for $400.76 per month, you have a mortgage payment for $823.45 per month and a student loan payment of $147.89 per month. Your total debt service payments would be $400.76 + $823.45 + $147.89 = $1,372.10.

Write an article based on this "Divide any number by 1. Divide even numbers by 2. Check for divisibility by 3. Check for divisibility by 4. Check for divisibility of numbers for 5. Check for divisibility by 6. Check for divisibility by 7. Check for divisibility by 8. Check for divisibility by 10."
article: Every number has 1 as a factor. This is because any number (x{\displaystyle x}), is equal to 1×x{\displaystyle 1\times x}. For example, 168,293 is divisible by 1, since 1×168,293=168,293{\displaystyle 1\times 168,293=168,293}. By definition, an even number is one that is divisible by 2.. So to check if any number, no matter how long, is divisible by 2, look at the last digit. If the last digit is even, the entire number is divisible by 2. Remember that 0 is an even number. To do this, add up all the digits in the number. If the sum of all digits is divisible by 3, the number is divisible by 3. You can repeat the addition of digits if the original sum is too long for you to gauge divisibility by 3. For example, the digits in 3,989,978,579,968,769,877 add up to 141. You can then add again: 1+4+1=6{\displaystyle 1+4+1=6}. Since 6 is divisible by 3, you know the entire number is divisible by 3. Look at the last two digits in the number. Is the number made by the last two digits divisible by 4? If so, the entire number is divisible by 4. Note that only even numbers are divisible by 4. Multiples of 100 are always divisible by 4. Another way to check for divisibility by 4 is to divide the number by 2 twice. If the quotient is still a whole number, the original number is divisible by 4.For example, 8762=438{\displaystyle {\frac {876}{2}}=438}, and then 4382=219{\displaystyle {\frac {438}{2}}=219}. Since 219 is a whole number, you know that 876 is divisible by 4. Since any number ending in 0 or 5 is a multiple of 5, any number whose last digit is 0 or 5 is divisible by 5. If a number is even, and the sum of its digits are divisible by 3, then the number is divisible by 6. In other words, if a number is divisible by 2 and 3, it is divisible by 6. Separate the last digit from the rest of the number. Double the last digit. Then, subtract that product from the number made by the remaining digits. If the difference is divisible by 7, then the whole number is divisible by 7. For example, to find out if 567 is divisible by 7, first separate the last digit from the number. This gives you 56 and 7. Double the last digit, 7: 7×2=14{\displaystyle 7\times 2=14}. Then, subtract 14 from 56: 56−14=42{\displaystyle 56-14=42}. Since 42 is divisible by 7, you know that 567 is divisible by 7. Look at the last three digits in the number. If the number they make is divisible by 8, then the entire number is divisible by 8. Another way to do this is to halve the last three digits 3 times. If the final quotient is a whole number, then the entire number is divisible by 8.For example, 1282=64{\displaystyle {\frac {128}{2}}=64}, then 642=32{\displaystyle {\frac {64}{2}}=32}, then 322=16{\displaystyle {\frac {32}{2}}=16}. Since 16 is a whole number, you know that the number 11,128 is divisible by 8. Divisibility by ten can happen when the last digit of that number ends in 0 - that's the only way.

Write an article based on this "Make sure you’re completely covered. Mix up a solution of soap and water. Apply the solution to the bees and nest. Remove the comb. Call an expert to come remove the comb."
article:
If you decide to tackle your bee problem on your own, you’ll need to cover all exposed parts of your body to protect yourself from stings. Layer thick, long-sleeved clothing with work boots, gloves and eye and face protection to minimize your risk of being stung. Getting stung multiple times can prove fatal, so don’t put yourself at unnecessary risk.  Killer bee venom is no stronger than that of common varieties of honey bee, but they tend to swarm in overwhelming numbers and are much more easily provoked.  Avoid wearing strong fragrances or causing a commotion when preparing to raid a killer bee nest. Unusual stimuli may draw their attention and incite them to swarm. Combine one part liquid dish soap with four parts water and mix thoroughly. Fill a plastic spray bottle with the soap solution. Adding soap will cause a higher concentration of water to stick to the bees and infiltrate their orifices, effectively drowning them. Natural pesticide mixtures like soap and water provide a welcome alternative to using chemical agents that can harm other species and damage the environment. Spray the soapy solution liberally onto whatever bees you come across. The soap and water solution may take longer than a chemical pesticide to show signs that it’s working, but its effects should be similar. After you’ve found the nest, flood any openings in its surface with soapy water to drown out bees hiding within. Using a liquid spraying system in place of a spray bottle might make it easier to reach nests that are built deep inside narrow openings. If you’ve managed to locate the nest, the nexus of your bee problem, you’re going to want to remove and destroy the comb. Most Africanized honey bees make their nests in ordinary enclosed spaces, but construct fibrous networks inside known as "combs," where they live, reproduce and manufacture honey. Once most of the bees around the nest have been dealt with, the comb itself can be thrown away, crushed or burnt.  When handling a hive or comb, watch out for any bees that might remain inside. Thoroughly rinse the area where the nest was found with a garden hose after it’s been disposed of to eliminate scents that might attract other bees. Even if you can’t afford to retain the services of a professional bee remover, or if the bees pose an immediate threat and time is of the essence, you might still be able to have the nest comb removed without cost after you’ve dealt with the worst of the infestation. Many beekeeping groups and some animal control services will dispatch people to collect hives and combs, for study or disposal. See if this option is available before attempting to remove a killer bee nest yourself.