Problem: Article: It's usually pretty safe to be cold in a public setting. You might cause a few strangers to feel miffed, but that can be a good thing - especially if the strangers were trying to hit on you or get something from you. Being cold in public probably won't hurt your reputation or cause any long-term harm. That said, if you see someone in need of real help, lose your cold demeanor and lend a hand. Think about what you'd want someone to do for you in the same situation. There are times when being cold can help you win an argument, close a business deal, or score the winning point. There's nothing wrong with having a tough, cold attitude when it comes to getting ahead - unless you're taking it so far that you do real damage to another person. It's important to think through the consequences of your attitude and actions. Being cold to family and friends will only make you feel isolated. After years of being treated coldly, it's likely that no one but your parents will still want to give you the time of day. Being cold can have its benefits, but in the end, those who are  generous,  warm and  charming attract the most friends. Since having good friends leads to lifelong happiness, you might want to consider cultivating these personality traits once you've experienced what it's like to be cold. Don't worry, you can still flash your icy side when the situation calls for it.
Summary: Be cold in public. Be cold when it helps you excel. Don't be cold to your family and friends.The people who take care of you and are warm to you deserve the same in return. Beware getting a reputation for being cold.

INPUT ARTICLE: Article: Create labels for your data in the first column to keep things organized. Here's what you should put in each cell:  .  A1: Loan Amount  A2: Interest Rate  A3: Months  A4: Payments Fill out cells B1-B3 with information about your loan. Leave B4 (the cell next to the Payments label) blank.  The "Months" value should be the total number of months in the loan term. For example, if you have a 2-year loan, enter 24. The "Interest Rate" value should be a percentage (e.g., 8.2%). To do this, click cell B4, and then type the following formula into the formula (fx) bar at the top of the sheet and then press ↵ Enter or ⏎ Return: =ROUND(PMT($B$2/12,$B$3,-$B$1,0), 2).  The dollar signs in the formula are absolute references to make sure the formula will always look to those specific cells, even if it is copied elsewhere into the worksheet. The loan interest rate must be divided by 12, since it is an annual rate that is calculated monthly. For example, if your loan is for $150,000 at 6 percent interest for 30 years (360 months), your loan payment will calculate out to $899.33. You'll be adding some additional data to the sheet, which requires a second chart area. Enter the following labels into the cells:  A7: Period  B7: Beginning Balance  C7: Payment  D7: Principal  E7: Interest  F7: Cumulative Principal  G7: Cumulative Interest  H7: Ending Balance. This column will contain your payment dates. Here's what to do:  Type the month and year of the first loan payment in cell A8. You may need to format the column to show the month and year correctly. Click the cell once to select it. Drag down from the center of the selected cell downward to cover all cells through A367. If this doesn't make all of the cells reflect the correct monthly payment dates, click the small icon with a lightning bolt on it at the bottom-right corner of the bottommost cell and make sure the Last Month option is selected. The beginning balance of your loan into cell B8. In cell C8, type =$B$4 and press Enter or Return. In cell E8, create a formula to calculate the loan interest amount on the beginning balance for that period. The formula will look like =ROUND($B8*($B$2/12), 2). The single dollar sign creates a relative reference. The formula will look for the appropriate cell in the B column. In cell D8, subtract the loan interest amount in cell E8 from the total payment in C8. Use relative references so this cell will copy correctly. The formula will look like =$C8-$E8. In cell H8, create a formula to subtract the principal portion of the payment from the beginning balance for that period. The formula will look like =$B8-$D8. Cell B9 should include a relative reference to the ending balance of the prior period. Type =$H8 into B9 and press Enter or Return. Copy cells C8, D8 and E8 and paste them into C9, D9 and E9 (respectively) Copy H8 and paste it into H9. This is where the relative reference becomes helpful. In cell F9, create a formula to tabulate cumulative principal paid. The formula will look like this: =$D9+$F8. Enter the cumulative interest formula into G9 like this: =$E9+$G8. When you rest the mouse cursor over the bottom-right part of the highlighted area, the cursor will turn to a crosshair. This populates all the cells through row 367 with the amortization schedule. If this looks funny, click the small spreadsheet-looking icon at the bottom-right corner of the final cell and select Copy Cells.

SUMMARY: Open a new spreadsheet in Microsoft Excel. Create labels in column A. Enter the information pertaining to your loan in column B. Calculate your payment in cell B4. Create column headers in row 7. Populate the Period column. Fill out the other entries in cells B8 through H8. Continue the schedule by creating the entries in B9 through H9. Highlight cells B9 through H9. Drag the crosshair all the way down to row 367.

In one sentence, describe what the following article is about: It’s nearly impossible to open your heart when you are still nursing old wounds. Healing requires acknowledging what hurts. Simply speaking your hurts aloud can impact the way you view them. Often, when things hurt, you may try to ignore them. The only way to move on is by acknowledging what happened. It’s time to admit that you were hurt and truly feel these painful emotions you have been suppressing. If your ex broke your heart by cheating, admit to it. You might say, “I was heartbroken when Sasha cheated. It really made it hard for me to trust again.” Experiencing emotional pain can cause you to develop negative beliefs about all people. These beliefs become ingrained and, over time, close your heart to love. To heal, you must identify the thought patterns that cause you to shut others out.  For example, you think “Because my best friend neglected me when I most needed him, it’s best not to count on others.” As a result, you never let anyone in or ask for help when you need it. Challenge this belief by asking yourself some questions: What evidence is there that makes this true? Is this belief always true? Am I considering the full picture about what happened? Does this belief promote happiness and well-being? Use these questions to attack the negative beliefs or assumptions you have built about others. In order to open your heart, you must risk letting go of the past. Holding on to all that’s happened before only weighs you down, making it harder for you to embrace new relationships and opportunities. Perform a ritual to release old hurts and invite in a fresh perspective.  Write down in detail what happened to you and your reaction to the hurt. Then, write down the incident from the perspective of the other person who hurt you. Remember how they reacted and imagine how they must have felt. This helps you see the situation from a different perspective. Once you have fully released the event by writing it down on paper, destroy the paper. Toss it into a fire, tear it into tiny pieces, or bury it in the woods. This symbolizes an emotional release. What happened in the past no longer has a hold on you. Doing the work of healing past hurts is upsetting and draining. If you find yourself stuck and unable to move forward, it may help to see a mental health therapist. This person can help you identify the traumas that are closing your heart and offer effective strategies for truly letting go.
Summary:
Acknowledge your open wounds. Challenge negative beliefs. Let go of the pain with a release ritual. Seek professional help.