In one sentence, describe what the following article is about: A fabric freshening spray, such as Febreeze, is a good quick fix if you need to neutralize an odor. While it might not deal with tougher odors, it'll work as an easy first line of defense. You should spray the pillow lightly with fabric spray and avoid saturating it. With the pillowcase removed, sprinkle baking soda liberally over both sides of the pillow. Let it sit for up to 15 minutes for basic odor removal. For tougher jobs, let it sit for at least 30 minutes. You can also sprinkle the pillow with borax if you prefer it or don’t have baking soda on hand. Use a handheld vacuum cleaner or a hose attachment on a floor vacuum to remove the baking soda. Vacuuming will also remove dust, skin cells, and other particles from within the pillow. It’s wise to invest in an inexpensive handheld vacuum that you use only for your bedding. That way, you won’t use the same appliance for both your floors and places you rest your face. Using sunlight to disinfect and deodorize is an old fashioned technique that many manufacturers now recommend. Hang your pillow outside on a clothesline on a warm, sunny day for natural odor removal. To keep it from picking up allergens, choose a day with a low pollen count to air out your pillow. Give it a quick vacuuming after hanging it outside.
Summary: Mist the pillow with a fabric freshener. Sprinkle baking soda onto the pillow. Vacuum up the baking soda after letting it sit. Try leaving the pillow out in bright sunlight.

While you are completing your Master’s degree, you will need to complete a practicum. The practicum is an important part of getting a counseling degree. The practicum gives you supervised counseling experience and helps you to develop your counseling skills.  You may be required to participate in a group practicum, individual practicum, and an externship. The externship may take place at a clinic or hospital while you are still in school, such as during the last two semesters of your program. A supervisor from your program will likely need to be on site for an externship as well. You usually need about 600 hours of practicum to meet your requirement. Keep in mind that practicum and externships are not something that you can just go out and get. They must be approved by your program director. After your practicum and your coursework is complete, you will need to sit for your NCE exam. You can usually do this towards the end of your last semester or after it is over. Some states also require an additional state exam, and all states have a jurisprudence exam. Find out about licensing requirements in your state to determine what tests you need to take.  Check with the licensing board in your state to find out what tests you need to take, when the tests are offered, how much they cost, when you need to take them, and any other specific requirements you will need to know about.  Prepare for the exam in advance by reviewing course material from your graduate program, participating in an exam preparation program, or joining a study group. After you pass your NCE exam, you will need to send your passing scores and proof that you have completed your practicum (in-school clinical hours) to the state board to receive your provisional license.  This license usually has a special term in it to indicate that it's provisional, such as "LPC-Intern" or "Licensed ASSOCIATE Counselor." Once you have completed all of the required hours at your job or internship, you will need to submit documentation to show that you have completed the required post-master's hours. You will need to submit this proof to the state board to receive a full license.  You do not need to take any additional tests after this point. Full licensure is usually called something like "Licensed Professional Counselor" or "License Professional Clinical Counselor."
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One-sentence summary -- Complete your practicum while you are in school. Take your NCE exam. Send your passing NCE scores and proof of your practicum to the state board. Submit proof of completion.

Problem: Article: Generally, if you are pricing a bond, it is because you are considering buying or selling it. In either case, there are certain terms of the bond that you will know. For example, a bond might be offered as a $1,000 bond, to be paid in ten years, with a coupon rate of 10% and a required yield of 12%. You will use these data to calculate the present value of the bond, incorporating all future payments. Working with the example given above, the face value of the bond is $1,000. The term is ten years. The coupon rate is given as 10%, and the yield is provided as 12%. If the seller of the bond does not provide all this information, then you should ask for it. A basic present-value formula will account for today’s value of money that is to be paid in the future. Because of interest rates, the money that you could hold today is generally considered more valuable than money that will be paid in the future. The present-value formula accounts for this difference. The basic present-value formula is Price=C/(1+i)+C/(1+i)2{\displaystyle Price=C/(1+i)+C/(1+i)^{2}} …+ C/(1+i)n+M/(1+i)n{\displaystyle C/(1+i)^{n}+M/(1+i)^{n}}. In this formula, the variables are assigned as follows:   C{\displaystyle C} is the amount of each coupon payment that you expect to receive.  i{\displaystyle i} is the interest rate  M{\displaystyle M} is the face value of the bond at maturity.  n{\displaystyle n} is the number of payment periods over the life of the bond. If you will expect two payments per year, which is standard, then a bond that matures in ten years will have 20 payment periods. Most bonds make coupon payments on a regular basis. This allows you to simplify the formula, to avoid an ambiguous added series. The revised formula may look slightly more complicated but is actually easier to apply. The revised annuity formula is:  Price=C∗(1−(1/(1+i)n)/i+M/(1+i)n{\displaystyle Price=C*(1-(1/(1+i)^{n})/i+M/(1+i)^{n}}. You need to apply the information that you know about the bond correctly in order for the formula to work. Use the example given above, of a $1,000 bond, to be paid in ten years, with a coupon rate of 10% and a required yield of 12%. With this information, the variables for the formula are as follows:   C{\displaystyle C} is the amount paid on each coupon. The coupon rate given of 10% is for the year, meaning that you will receive 10% of the face value of the bond, or $100. This is commonly paid semi-annually, so the value for C is half that, or 50.  i{\displaystyle i} is the interest rate given as the required yield of the bond. In this case, that is 12%. However, the interest rate given is for the year, but you will be calculating based on semi-annual payments, so use half that figure. The value of i{\displaystyle i} for your calculations should be 6%, which you will write as a decimal of 0.06.  n{\displaystyle n} is the number of payment periods over the life of the bond. If you are basing your calculation on semi-annual payments, for ten years, n{\displaystyle n} will be 20. Insert the values into the formula and find the value of the bond. In this example, applying the values to the formula results in the following: Price=50*(1-1/(1.06)^20)/0.06)+1000/(1.06)^20. Performing the calculations results in a bond price of $885.30. The calculated value of $885.30 is less than the face value of $1,000. This means that the bond should sell at a discount in order to attract investors. This discount is due to the fact that the coupon payments are only 10% while the required, advertised yield of the bond is 12%. You would expect to receive less in coupon payments than the promised yield of the bond. If the interest rate were to decrease, then the value of the bond would increase. Interest rates and bond values operate in an inverse manner.
Summary:
Learn the details of the bond being offered. Understand the present-value formula. Revise the formula to account for annuity payments. Determine the variables to use in the formula. Calculate the bond’s current value. Understand the meaning of the bond price.