Q: If you choose to offer this type of loan, the borrower will pay off the loan in equal payments over a specified period of time.  With this type of loan, you will include a payment provision in your promissory note that looks like this: "In return for a loan Borrower has received from Lender, Borrower promises to pay to Lender the amount of $[total loan amount - principal]. Borrower will make equal installments of $[monthly payment amount] per month until the principal is paid in full. Payments will be due on the [date of monthly payments] day of each month, beginning on [date first monthly payment due]."  This type of payment plan is good for loaning small amounts of money to people you are close with. If you are making a loan of more than $10,000 with no interest, the Internal Revenue Service (IRS) may require you to pay taxes in an amount that reflects interest, even if you received none. With this type of loan, the borrower pays off the loan in equal payments over a specified period of time, with part of the payment going towards interest and part of the payment going towards principal.  If you choose this type of loan, consider a payment provision that looks like this: "In return for a loan Borrower has received from Lender, Borrower promises to pay to Lender the amount of $[loan amount - principal], plus interest on unpaid principal at the rate of [interest rate]% per year from the date this note is signed until it is paid in full. Borrower will pay back the loan in monthly amortized installments, which include principal and interest, of not less than $[minimum payment] until the principal and interest are paid in full."  This type of payment option is great for loaning larger sums of money. If you are loaning more than $10,000 to someone, include interest so you avoid the potential adverse tax consequences that may otherwise arise. Here, the borrower will pay you the money borrowed, plus interest, in one single payment.  If you are creating a lump-sum payment provision with interest, use this language: "In return for a loan Borrower has received from Lender, Borrower promises to pay to Lender the amount of $[loan amount - principal], plus interest on unpaid principal at the rate of [interest rate]% per year from the date this note is signed until it is paid in full. Borrower will repay the entire amount owed by [due date]."  If you are creating a lump-sum payment provision without interest, use this language: "In return for a loan Borrower has received from Lender, Borrower promises to pay to Lender the amount of $[loan amount] by [date payment is due]."  A lump sum payment provision can be used when you want to reduce the potential interest charges incurred by the other party. This is the case because, with a lump sum payment, the party paying back your loan can pay off the loan quicker, therefore avoiding interest payments over an extended period of time. With interest only payments, the borrower will make payments of interest only, and will then pay off the principal in one lump sum.  If you use this type of loan, use the following provision: "In return for a loan Borrower has received from Lender, Borrower promises to pay to Lender the amount of $[loan amount - principal], plus interest on unpaid principal at the rate of [interest rate]% per year from the date this note is signed until it is paid in full. Borrower will pay interest of $[amount of interest] on the [date of payments], beginning [date first payment due]. Borrower will pay the principal in full on or before [date by which loan must be repaid], together with any accrued interest."  Interest only loan payments are great for those that want low payments during the early life of the loan. This is the case because when you are only making interest payments, they will be lower than a payment that included both interest and principal. However, you may not want to use this type of payment plan if the other party is concerned about the large principal payment that will be due later in the life of the loan.
A: Contemplate an installment loan without interest. Think about an installment loan with interest. Consider a lump-sum payment. Think about interest only payments.

Article: The canine teeth (long, curved teeth by the incisors) are commonly misaligned in dogs. If your dog's teeth are only mildly misaligned, a hard rubber ball or rubber chew toy (Kong toy) may be all that’s needed to correct the misalignment. Kong toys and balls are available at most pet shops and online. However, since there are so many options, talk to your vet about which option would be best for your dog. Choose a toy size that is appropriate for your dog’s size. The rubber ball or toy will be most effective when your dog plays with it for at least 15 minutes, three times a day. To encourage your dog to play with the ball or toy, give it to your dog as a special treat for good behavior. You could also put some tasty treats in the Kong toy and use it as a food puzzle. It’s perfectly fine for your dog to play with the toy for more than 45 minutes a day. The longer your dog plays with the toy, the more likely the toy will correct the teeth alignment issues. After your dog has had a week or two of playing with the ball or toy, look at your dog’s teeth. If you do not notice any improvements in the teeth alignment, you may need to consider other treatment options. Contact your vet to discuss these options. Consider taking a picture of your dog’s teeth before your dog starts playing with the hard rubber toy. Then, take another picture a week or two later. Compare the two pictures to determine if there’s been any improvement in teeth alignment.
Question: What is a summary of what this article is about?
Buy a hard rubber ball or Kong toy. Let your dog play with the ball or toy. Check your dog’s teeth alignment.

Problem: Article: This means getting in touch with your thoughts, actions and reactions. This is also a process that uses calming activities like yoga to move past stress and not focus on the negative. Understanding that you have a tendency to overthink things is a huge step towards being mindful because you can attribute much of your stress to this habit and not to actual events. Awareness relating to the outcomes of the stress will also help in learning to not let the stress hurt you physically. You may not be able to completely stop the obsessive thoughts but you can isolate them to a short part of your day. Set aside 30 minutes each day to sit down and write about what is worrying you. Remind yourself if these worries come up during the rest of your day that you will think about the stressor only during that worry period. Physical activity can help you reduce stress and improve your mood. Exercise releases feel-good chemicals in the brain called endorphins that improve your mood. Taking a long brisk walk to get the blood flowing or sweating for an hour at the gym is a solid distraction and also a way to cleanse the body of toxins. Many people see sweating as a freeing process as well as it is also a natural high. Write about your fears and also about what really ends up happening so in the future you can compare the two. This will help to show you how much worse you make the problem by thinking the worst when it doesn’t always happen. If your obsessive thoughts are interfering with daily life, it may be wise to seek help from a professional. Treatments for rumination can include counseling, EMDR (Eye Movement Desensitization and Reprocessing), and behavioral interventions. There are also prescription drugs one can take to calm obsessive thoughts.
Summary: Practice mindfulness. Schedule a daily worry period. Get active. Start a journal. See a therapist for particularly stubborn thoughts or memories.

Q: This works particularly well with shiny bulb, glass, or metal ornaments as these types are the most reflective. Tinsel makes your tree glitter. Hang tinsel near lights for the shiniest look possible.  Be mindful with the amount of tinsel you place on your tree. Too much tinsel could take away from the beauty of your ornaments. For a more modern look, buy colored tinsel rather than the traditional gold and silver.
A:
Hang ornaments near lights to highlight certain ornaments. Add tinsel (optional).