Problem: Article: There are many car loan payment calculators available for free online. Take advantage of these free services if you don't want to spend the time calculating your payments yourself. Search "Car loan payment calculator" and you will be provided with many options. If you still want to work it out by hand, continue to the next step. Start by converting your APR to a decimal by dividing it by 100. For example, if your APR is stated at 8.4%, 8.4/100 = 0.084. Next, find your monthly percentage rate by dividing your APR decimal by 12. So, 0.084/12 = 0.007. This is your monthly percentage rate expressed as a decimal. If, for example, your principal were $20,000 (if you borrowed $20,000 to buy your car), you would multiply this by 0.007 (from the previous step) and get 140. The formula is as follows: Monthly Payment  = (Interest rate due on each payment  x  principal)/ (1  –  (1  +  Interest rate due on each payment)^  -(Number of payments)) The top part of the equation (interest rate due on each payment x principal) is your number from the previous step. The rest can be calculated using a simple calculator.  The "^" indicates that the figure (-(Number of Payments)) is an exponent to the figure (1 + Interest rate due on each payment). On a calculator, this is entered by calculating 1 + interest rate due on each payment, hitting the button x^y, and then entering the number of payments. Keep in mind that the number of payments is made negative here (multiplied by negative one). In our example, the calculation would go as follows (assuming a loan duration of 5 years or 60 months):  Monthly Payment = (0.007 x $20000)/(1-(1+ 0.007)^-60 Monthly payment = $140/(1-(1.007)^-60) Monthly payment = $140/(1-0.658) Monthly payment = $140/0.342 Monthly payment = $409.36 (this number may be off by a few cents due to rounding) This is done by simply dividing your principal amount by the duration of your loan in months. For our example, this would be $20,000/60 months = $333.33/month In our example, this would be $409.36 - $333.33. This equals roughly $76. So, with this loan agreement, you would be spending $76 per month in interest payments alone.
Summary: Save time by using an online calculator. Find your interest rate due on each payment. Multiply your monthly percentage rate times your principal. Input this number into the monthly payment formula. Calculate the amount of principal paid each month. Subtract your principal paid each month from your monthly payment.

Problem: Article: Chocolate is very sensitive to temperature changes. So when you add the oil to the chocolate, its important that the oil is the same temperature as the chocolate. This will prevent the chocolate from seizing, or turning lumpy and hard. Squeeze the bag to remove as much air as possible from the bag. The water should be no more than 20 degrees warmer than the chocolate. Shake the bottle every 5 minutes to distribute the heat evenly. It's a good idea to warm your oil up right before you warm up the chocolate, or in between warming up your chocolate. You want to avoid letting the chocolate sit and harden as you warm up the oil. Make sure you dry it off completely. You don't want to get any water in the chocolate by accident, as this will dilute it! With most chocolate oils, a 2 oz. bottle will vibrantly color up to 6 pounds of chocolate. So for a deep, rich color, use about 2 teaspoons for each pound of chocolate. Use less for a lighter color. If you are planning to make several different colored bowls of chocolate, work one color at a time. This will prevent any mixing of the colors or accidents with the powder or oil.
Summary: Warm the coloring oil before you put it in the chocolate. Place the tightly sealed coloring oil in a small zip lock bag. Place the plastic bagged bottle in a bowl with warm water for 10-15 minutes. Remove the oil from the plastic bag. Slowly add a few drops of oil to the warmed chocolate and stir. Work on one color at a time.

Problem: Article: So the game has started and you will be feeling a lot of adrenaline and may be a bit scared. Shake those nerves off and get ready to play. Your first task will be finding a place that you can regularly play paintball. Urban areas typically have indoor fields and obstacle courses that you can pay to play at, while rural areas will often have outdoor parks in which you can paintball with your friends. All paintball facilities will have different rates, fees, and features, so explore what's available in your area to learn more. If you don't have access to a paintball facility in your area, it's perfectly fine to paintball on private property, if you choose. Read this article to learn more about setting up your own paintball facility. All paintball fields are different, usually set up with a variety of hiding places, alleys, barrels, bins, and other things that you can use to your advantage. Likewise, there will usually be big open places where you won't want to find yourself without protection.  Before the game starts, or just after you get on the field, make sure to walk around the facility a bit and get a sense of the lay of the land. Pay particularly close attention to good hiding areas you might want to bunker down in with your team. While you're playing, keep your head up as much as possible. Watch for signs of motion. Watch for the glinting light of your enemies helmets as they flash in the sun. Listen for signs of movement. Listen to them talking. Be aware. Bad paintballers start shooting the second they run onto the field and don't stop until they're totally out of ammunition. While some paintball guns are more accurate than others, even the best of them aren't super-accurate. Wait until you've got a smart shot, and don't just spray paint all over the field. Different players have different philosophies. You came to play and shoot after all, so let 'er rip if you feel the need. Lay down some suppressing fire to guard your buddies. Keep moving, to avoid getting caught in a compromising position, but also keep an eye out for good places your team might be able to guard and stay safe in. Look for big bunkers that you can hide in and lay down fire from. Look for places you'll be safe for a while, to avoid running around like a chicken with your head cut off. Don't run aimlessly. Find a place to go, then move. Practice firing a few shots before you run somewhere, then run quickly and get to where you're going fast. Paintball can get pretty intense. Make sure to take deep breaths and calm yourself down, or your panic can cause you to make mistakes. Listen closely, watch the other players to follow instructions and go with the flow of the game. And have fun. Don't worry too much about getting hit. The first time you get hit, it will sting for a split second and may even surprise you, but it does not hurt that bad. It is also a good incentive to make sure you keep cover. A good paintball team talks, verbally and non-verbally. Establish different roles in your team, helping to guard the other players, or find new territory, or go out on recon missions to shoot at other guys. Depending on how you're playing, you might have a more specific objective in mind, so listen up and keep talking so you play well as a team.  Listen to your instructor. Just before your game, you may have an instructor explain the objective and useful ways to win. Listen carefully as they do know what they are talking about. Coordinate attacks and time them well. Split up into a few groups and attack your opponents from two angles at once to pin them down and go in for the kill. Pay attention to the more experienced players to come up with a good strategy, but chip in when you feel like you've got an idea of your own. If it's good, you'll be helping the team.
Summary:
Shake off the nerves. Find a place to play locally. Be aware of your surroundings. Shoot smart. Move around, but know when to bunker down. Stay calm. Communicate with your teammates.