In one sentence, describe what the following article is about: Type is "APR mortgage calculator" in a search engine and click on a result. This is a very complicated equation, and it is difficult to find by hand. You are much better off using a specialized computer algorithm, and there are plenty of free ones available. You should see boxes for the following:  Principal, or Loan Term or Length Interest Fees (Optional) For this example, assume you are taking out a $300,000 mortgage loan. Mortgages are simply specific loans on houses. For this example, assume it costs $750 extra in fees. If you're just planning potential mortgages, you might not have fee information yet. This is fine to leave out -- it won't make an enormous difference on the final calculation. For this example, calculate based on a 6.25% interest rate. Most mortgages are based on the 30-year fixed. You may have to convert this to months, however. This is easily done by multiplying the number of years by twelve. This is different from the interest rate, as APR represents the real cost of the loan based on the total amount borrowed, not just the current interest rate. For the hypothetical mortgage provided ($300,000, $750 in fees, 6.25% interest, 360-month term), you should get:  The APR of our hypothetical mortgage would be 6.37%. The monthly principal and interest payment would be $1,847. The total cost of the interest on the mortgage would add up to $364,975, making the total cost of the mortgage a whopping $664,920.
Summary: Locate an APR calculator online. Enter the loan amount where indicated on the calculator. Enter the extra costs of securing the loan (fees) where indicated on the calculator. Enter the given interest rate, which represents the interest rate per year without the additional fees. Enter the life, or term, of the loan. Hit the "calculate" button to get the APR.

In one sentence, describe what the following article is about: . This will help you figure out what your limits are. Most people have a range of about 2 octaves, with more professional singers reaching a range of 3-4. Understand the range that’s comfortable for your voice so you know when to stop and rest.  Some people’s voices don’t easily allow them to sing super high notes without straining their vocal cords. To find your vocal range, sing a full range of notes, noticing when your voice starts cracking or you're having difficulty reaching the note. This is the range that's comfortable for your voice. Drinking lots of water is a great way to do this so that your vocal cords are nice and hydrated. Aim to drink 6-8 glasses of water each day. If you notice your throat starting to hurt or become raspy, drink some warm tea and use throat lozenges to help soothe it.  Avoid drinking water that’s super cold and instead opt for room temperature water, adding lemon or honey to it if desired. If you’re not properly hydrated and healthy, it can be harder to reach the pitch you’re hoping for. You can purchase throat lozenges marketed specifically for singers, if desired. If you notice your voice starting to hurt or get tired, stop practicing. Straining your voice can damage it, making it even harder for you to reach your singing goals. Always put your vocal cords’ health first and take a break when it’s needed.  You don’t need to practice for long periods each day—even just a few minutes of vocal exercises will help strengthen your voice. Drink a warm drink, like tea with honey in it, to soothe your vocal cords if they start to hurt. before diving right into singing. Your voice is a muscle, and it needs to be stretched just like any other muscle in your body before it gets put to work. Stretch your neck muscles and do vocal exercises to warm up your voice while practicing your high notes. Warm up your voice for roughly 5-10 minutes, or longer if you have more experience.
Summary: Know your current vocal range Stay hydrated to keep your vocal cords healthy. Avoid straining your voice by stopping when you feel uncomfortable. Warm up your voice

In one sentence, describe what the following article is about: Having clear-cut, well-defined goals increases the chances of success in almost any endeavor. When it comes to reading, you may not be aware of your goals going into the book. However, you can easily create your own goals as you go along.  If you're reading a book for class, you probably have a set number of pages or chapters to get through. This can help you have a clear end in sight. If you're reading for pleasure and find yourself struggling, try setting daily reading goals for yourself. You can choose a set number of pages or chapters, and keep yourself motivated by reminding yourself you're only reading a fraction of the book that day. Challenge yourself to learn something from the text. You can learn a great deal from reading, whether it's fiction, nonfiction, or historical texts - even the boring ones. If a book is hard to get through, it may seem even more daunting to look at the book as a single work of literature spanning hundreds of pages. Instead of trying to marathon the book from cover to cover, try breaking it up into smaller sections - say, a few chapters every day. As you work your way through the day's section(s), try taking breaks between chapters so you can refresh your mind and rest your eyes before you continue.  Take breaks along the way to help you stay focused. However, make sure you decide beforehand how many breaks you'll take and how often. Don't take breaks whenever you feel like it. Challenge yourself to get through a set reading goal (like the end of a long chapter, or after completing two relatively short chapters). Put your bookmark at the end of that group of chapters. That way you'll be able to see where the end point is as you turn each page, and you'll be more motivated to make it all the way to your resting point. A boring book may tempt you to reach for your cellphone, check your social media, or flip on the television. However, breaking your focus like this will only make it more difficult to get through the book. Instead of giving in to temptation, force yourself to continue without distractions until you get through that day's reading.  Find a quiet place where you won't be disturbed (if possible). Try turning off or silencing your cellphone. Keep the television turned off, and stay away from your computer or tablet. If you don't have your own quiet space or if you like to read on the bus, try wearing earplugs while you read. You can use noise-reducing earplugs, or wear headphones and listen to something that will block out noise without distracting you. Instrumental music works best - try something soothing but upbeat, like jazz or certain classical composers. Sometimes a boring book can seem even more boring if you're tired, distracted, or unfocused. Try getting into a good reading mindset before you pick up the book. That way you'll be less likely to lose interest or look for reasons to quit for the day.  Try to read when you're most awake. Reading a boring book while you're nodding off on the couch will not get you very far. Sometimes writing things out helps you clear your mind and remove distractions. Try doing this before you get started on your reading for the day. Take a few deep breaths before you begin. This can also have a calming, head-clearing effect for some people.
Summary:
Create well-defined goals for the reading. Break up the reading into manageable chunks. Reduce or eliminate distractions. Approach the text with a clear head.