Q: A bond is a debt instrument. Entities issue bonds to raise money for a specific purpose. Governments issue bonds to raise capital for public projects, like a road or a bridge. Corporations issue bonds to raise money to expand their businesses.  All of the features of a bond are stated in the bond indenture. Bonds are usually issued in multiples of a $1,000. Assume, for example, that IBM issues a $1,000,000 6% bond due in 10 years. The bond pays interest semi-annually. $1,000,000 is the face amount or principal amount of the bond. That is the amount that must be repaid by the issuer at maturity. IBM (the issuer) must repay the $1,000,000 to the investors at the end of 10 years. The bond matures in 10 years. The bond pays interest of ($1,000,000 multiplied by 6%), or $60,000 per year. Since the bond pays interest semiannually, the issuer must make two payments of $30,000 each. Using the same example, keep in mind that dozens of investors may buy a portion of the $1,000,000 bond issue. Each investor will be paid interest twice per year. An investor will also receive their original investment (principal or face amount) when the bond reaches the maturity date.  Many retired people buy bonds because of the predictable stream of income from the interest payments. All bonds are rated, based on their ability to pay interest and repay principal on a timely basis. A bond with a higher rating is considered a safer investment due to the collateral securing the bond and/or the financial strength of the issuer. All things being equal, lower rated bonds generally pay a higher rate of interest since they have greater risk of default. Assume that IBM and Acme Corporation both issue a bond due in 10 years. IBM has a high credit rating and offers a 6% interest rate. If Acme has a lower rating, the company will have to offer a rate higher than 6% to attract investors. To compute the value of a bond at any point in time, you add the present value of the interest payments plus the present value of the principal you receive at maturity.  Present value adjusts the value of a future payment into today’s dollars. Say, for example, that you expect to receive $100 in 5 years. To find out what the $100 payment is worth today, you would compute the present value of $100. The dollar amount is discounted by a rate of return over the period. This rate of return is often called the discount rate. An investor can select the discount rate using several different approaches. The discount rate may be your estimate of the rate of inflation over the remaining life of the bond. Your discount rate may also be a minimum expected rate of return. The minimum expectation is based on the bond’s credit rating, and the interest rate paid by bonds of similar quality. Assume that you decide on a 4% discount rate for the $100 payment due in 5 years. The discount rate is used to discount (reduce) the value of your future payments into today’s dollars. In this case, you’re calculating the present value of a single sum of money. You can find present value tables on the Internet, or simply use an online present value calculator. If you use a table, you will locate the present value factor for a 4% discount rate for 5 years. That factor is .822. The present value of $100 is ($100 X .822 = $82.20). The present value of your bond is (present value of all interest payments) + (present value of principal repayment at maturity).
A: Consider how a bond works, and why bonds are issued. Review how an investor can profit from owning a bond. Go over present value.

Article: Think about how open you want to be about your upcoming surgery. Some people you really do need to tell, but generally it is up to you. There is no etiquette in cancer, and there are no social protocols for you to follow. Think carefully, and then do what's right for you. You do not have to go through this alone! Share your feelings and needs with those who make you feel comfortable, safe, and cared for. You will need help after you get home from the hospital. Many health plans offer visiting nurse services to assist with changing your bandages, but they will not bathe you, cook, or do your laundry. Talk to people you are emotionally close to, and try to have someone stay with you while you recover. Share your thoughts and feelings with your partner, family, friends, therapist – people who are supportive and caring. Join a support group in your community or online, or consider seeing a therapist who specializes in cancer. You can find professionals in your area through the American Psychosocial Oncology Society (APOS) Helpline. Do stress-relieving activities before your surgery like yoga, meditation, deep breathing, taking walks – anything that helps you relax. Practice these skills now and continue them after your surgery. Practice mindfulness meditation on a daily basis. Get clearance from your doctor before doing anything physical like walking or yoga. Work on building up your strength and flexibility before surgery – this can help you feel stronger and more in control afterwards. For breast surgery, try to focus on your upper body and back. Feeling physically strong may help you recover better and feel emotionally strong, as well. Breast reconstruction surgery can make your breast feel and look more natural following your mastectomy. This procedure can be done during your mastectomy or in a separate surgery afterwards. Breast reconstruction may not be important to you, or it may be a big part of the healing process – everyone is different. Spend some time thinking about what feels important to you, and whether further surgery may help you feel more comfortable in your body.  Consider talking to a therapist and/or a plastic surgeon about your feelings and options. Every surgery has risks, including breast reconstruction; talk to your doctor for more information. Some organizations, such as AiRS Foundation, help women to afford breast reconstruction surgeries.
Question: What is a summary of what this article is about?
Decide who to tell. Build a support network. Learn to decrease your stress. Do strengthening exercises before your surgery. Opt for or against breast reconstruction surgery.

Q: Go to https://www.facebook.com/. This will open your Facebook News Feed if you're logged in.  If you aren't logged in, enter your email address (or phone number) and password in the top-right side of the page. You can only perform this method on desktop. This tab is in the top-right side of the Facebook page. Doing so takes you to your Facebook Timeline. It's below your cover photo on your profile page. This option is below and to the right of the "Photos" heading. Click an album from which you'd like to move a photo. Keep in mind at the album you choose must be one you created, not a Facebook-created album. For example, you can't move photos from the "Timeline Photos" album. Hover your mouse cursor over the picture you want to move. You'll see a pencil-shaped icon appear in the top-right corner of the photo's thumbnail. Doing so prompts a drop-down menu. It's near the bottom of the drop-down menu. Clicking this brings up a pop-up window. Click the drop-down box below the "Select another album for this photo:" heading in the pop-up window, then click an album to which you'd like to move the photo. You can only select a user-created album (again, not a Facebook-created one). This blue button is at the bottom of the window. Doing so will remove your photo from its current album and move it to your specified album. If you want to move multiple photos, you'll need to repeat this process for each photo you want to move.
A:
Open Facebook. Click your name. Click Photos. Click the Albums tab. Select an album. Select a picture you want to move. Click the pencil icon. Click Move to Other Album. Choose a new album. Click Move Photo.