Article: A joist is one of the beams that supports a ceiling. It's the securest place to fasten a hook for heavy items so that you don’t risk damaging the ceiling or the item.  For items lighter than 5 lb (2.3 kg), you can use an adhesive hook as an easy alternative. Adhesive hooks come in various sizes and are easy to remove without damaging the paint on your ceiling. Note that adhesive hooks only stick to flat ceilings, not textured ceilings. If the item is especially heavy, such as a bike, you will want to balance out its weight using 2 screw hooks. Hook screws are small fasteners consisting of a pointed, threaded end and a curved hook end. They are available at most hardware stores and will come in different sizes based on the amount of weight they can support.  There are various sizes and styles of screw hooks. If your item is small and can just be looped over or through a hook, then use cup hooks or eye hooks. For items 10 lb (4.5 kg) and up, use heavy-duty ceiling hooks that are 2 in (5.1 cm) or bigger. Utility hooks are bigger than regular screw hooks and strong enough to hold things like bicycles. They screw into a ceiling joist the same way as a screw hook. You can get utility hooks that are specially designed to hold a bicycle, called bike hooks. They have a rubber coating and are shaped to fit the wheels of a bike, so you could hang it from the ceiling of your garage, for example. Stand on something so you can reach the ceiling, hold the stud finder against the ceiling, and turn it on. Slide it around until it  lights up to indicate that you have found a stud.  You can also knock on the ceiling with your knuckles to find a joist if you don’t have a stud finder. The areas between joists will produce a hollow, resonant sound, while the joists will produce a shorter, firmer sound. If you have a crawl space or an attic above where you want to hang the hook with exposed joists, look to see which direction the joists are laid and also how far apart they are spaced. Make a small dot with the pencil on the ceiling joist where you want to put the hook. Pass the stud finder over it again to double-check that it is indeed on the joist. If you plan on hanging 2 hooks for a larger item, install 1 first, then hold the item up to it and check the spacing that you need for the other hook before you install it. Select a drill bit that is slightly smaller than the screw hook. Drill into the mark you made slightly deeper than the length of the screw hook’s threaded shaft.  The pilot hole will allow you to screw the hook into the ceiling by hand without it binding up or breaking. If the hole is too wide, the thread of the screw won't have anything to grab onto. If it is too shallow, you will have a hard time screwing the hook in all the way. Gently and firmly twist it clockwise into the hole. You will have to apply firmer pressure the deeper it goes.  If you have trouble twisting it through the last few rotations, grasp the hook gently with pliers and use the pliers to gain added torque to twist it the rest of the way in. Stop twisting once the base of the hook is flush with the ceiling. If you twist past this point, you could break the hook. This applies to both regular screw hooks and utility hooks. They both screw into the joist the same way.
Question: What is a summary of what this article is about?
Hang items heavier than 10 lb (4.5 kg) from a ceiling joist. Purchase a screw hook for small, light items. Buy utility storage hooks to hang larger, heavier items. Find a ceiling joist where you want to hang your hook using a stud finder. Use a pencil to mark the desired location of your screw hook in the joist. Use an electric drill to drill a pilot hole into the ceiling joist. Place the pointed tip of the hook into the hole and screw it all the way in.

Problem: Article: Medium and long length hair are good choices for heart-shaped faces. They provide balance to the face by filling in the area around the chin. Accentuate cheekbones on a heart-shaped face with bangs or layers that end right at the cheeks. Side-swept bangs will bring out the eyes and downplay the forehead of a heart-shaped face. These bangs typically look best with hair that is at least at medium length. You could go for long hair or a long bob. A pixie cut with bangs can be a wonderful choice for a heart-shaped face. This type of cut highlights the elegant chin and makes the eyes look larger. Plus, it is low maintenance for daily styling.
Summary: Accent a heart-shaped face with medium or long layers. Choose side-swept bangs to downplay your forehead. Try a pixie cut to bring out your facial features.

To find a company's dividend payout ratio, first find its net income for the time period you're analyzing (one year is the typical period for dividend payout ratio calculation). This information can be found in a company's income statement.  To be clear, you’re looking for the company’s income after all expenses, including taxes, costs of doing business, depreciation, amortization, and interest. For example, let's say that Jim's Light Bulbs, a new company, earned $200,000 in its first year of business, but it had to spend $50,000 on the expenses mentioned above. In this case, the net income for Jim's Light Bulbs would be 200,000 - 50,000 = $150,000. Find the amount of money that the company paid out in the form of dividends during the time period you're analyzing. Dividends are payments that are given to the company's investors instead of being saved or re-invested in the company. Dividends aren't usually listed on the income statement but are included on the balance sheet and statement of cash flows. Let's say that Jim's Light Bulbs, being a relatively young company, decided to re-invest most of its net income by expanding its production capacity and only paid out $3,750 per quarter in dividends. In this case, we'll use 4 times 3,750 = $15,000 as our amount of dividends paid in the first year of business. Once you know how much a company has made in net income and paid out in dividends in a given time period, finding its dividend payout ratio is simple. Divide its dividend payments by its net income. The value you get is its dividend payout ratio. For Jim's Light Bulbs, we can find the dividend payout ratio by dividing 15,000 by 150,000, which is 0.10 (or 10%). This means that Jim's Light Bulbs paid out 10% of its earnings to its investors and invested the rest (90%) back into the company.
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One-sentence summary --
Determine the net income of the company. Determine the amount of dividends paid out. Divide the dividends by the net Income.