Some areas only require a permit if the promotional materials are commercial, rather than for a non-profit or religious organization. Other areas don't require a permit at all, but it's best to check where you are. Look up local city ordinances to see if it's legal in your area or if you need a permit. Looking into someone's eyes connects you to them, even if it's just for a second. Then, when you hand them a flyer, they're more likely to accept it from you, rather than just rush past. A smile never hurts, either! Just thrusting a paper into someone's hand isn't likely to get much attention. In fact, they may stuff it in the next trashcan they see. However, if you say something memorable, you may encourage them to at least look at the sheet for a moment, and in turn, they may decide to take action based on what you hand them.  For example, if you're handing out a flyer for a stage show, you might spout off one of your lines. If you're handing out a promotional flyer for free products, try that as a tagline: "Redeem this for one free pizza at the Pizza Temple. No purchase necessary!" Trade shows are a great place to connect to potential customers. Typically, you'll need to purchase booth space to hand out materials. While that can be expensive, the return you'll see will likely be worth it. Keep in mind that you can do a smaller trade show if you're just starting out so it won't cost as much.  Be sure to ask for people's emails and addresses to start a mailing list. Have a sample of your product on hand if at all possible. If it's not possible, have a video or an interactive display showcasing your product or service. Freebies are a great way to get people interested in your product. Pens, golf balls, and other small gifts with your brand on them will help people remember you. Pick events that your target audience might attend and go through the crowd to hand out flyers. With the right event, most people in attendance could potentially be in your target audience.  For example, if you have a pizza place and want to hand out free pizzas, go to family events, such as fairs, community events, and even local sporting events. Alternatively, if you're promoting a concert, head to a similar concert venue to promote your event. It helps to ask if you can hand out materials at the event, but you may not be able to find an organizer. However, keep in mind, they may ask you to leave if they don't want you handing out publicity materials there.

Summary: Get a permit if it's required in your area. Make eye contact before you hand someone a flyer. Pick a tagline. Take your materials to trade shows or exhibitions. Give out items at related events.


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.

Summary: Learn the meaning of debt service. Calculate monthly payments on debt. Calculate total monthly debt service payments.


When you’re out for a walk, it’s a chance to spend a moment alone together. It’s also a natural time to have a meaningful or sweet discussion with her and, since you’ll already be walking side by side, it’s a perfect scenario for you to put your arm around her.  Avoid discussing anything heavy or negative. Walk slowly and keep your body language relaxed.  Suggest taking a stroll with her at a nearby park on a pretty afternoon. Another good excuse for a walk is to go window shopping or run an errand. Wherever you happen to be hanging out or whatever you might be doing, always try to sit or stand close to her when it makes sense to do so. Obviously, don’t follow her into the bathroom or anything like that, but in general, staying by her side creates a “couple” atmosphere and provides ample opportunities to get your arm around her. If she seems uncomfortable with your nearness or makes excuses to get away, give it a rest. You want her to feel liked, not stalked. If she looks cold or if you happen to be out together on a windy or overcast day, be a gentleman and offer her your jacket. Not only will she think you’re romantic, but putting your jacket over her shoulders provides an excellent opportunity to sneak your arm around her.  Place the jacket sweetly around her shoulders, and then let your arm remain naturally around them. Smile at her and give her shoulder a little squeeze after you’re got your arm around her. She’ll most likely look up at you when you do this, and you two will share a real moment of closeness. If all else fails, give this classic a try! Yawn a bit and naturally lift your arms up in a stretch, being as casual as you can. When you bring your arms down, put one of them around her shoulders. If this feels a little obvious, you can always overact the move in a very obvious, cheesy way.  This will probably make her laugh, and you should too! Sharing a laugh will break the ice and create a sense of comfort and ease between the two of you, and you’ll have your arm snugly around her.
Summary: Go for a walk together. Be near her. Offer her your jacket. Use the classic stretch and yawn move.