The first step to building assets is setting up a plan for your money. Decide exactly how you will allocate every dollar you earn. As an initial goal, budget 50% of your money on needs like food, shelter, and transportation. Then budget 30% towards savings and 20% to wants and miscellaneous purchases.  Ideally, your budget should help you maximize your savings. If you can get the amount you spend on needs under 50% and the amount you save close to or above 50%, you will have a very strong budget. Try lowering your cost of living by making inexpensive meals at home. Moving into a smaller house or lower-rent apartment can also help you to save a great deal of money every year. After making a budget you need to make sure you stick to it. Only buy things if you have money in your budget for them. Keep a spreadsheet that lists all of your purchases so you know exactly what you’re spending on. Always know how much money you have left to spend for any week, month, or year. Download a budgeting app like Mint or PocketGuard to help you track your spending. These apps can help people follow their budgets without having to maintain spreadsheets or save receipts. Change all the lightbulbs in your home to LED or CFL lightbulbs, as these can greatly reduce electricity bills. You can also unplug electrical devices you don’t use often, as anything that’s plugged in draws some electricity. To lower your heating and cooling bills, install a programmable thermostat, which can help you use energy more efficiently. Think particularly hard about getting rid of items that have high monthly bills, like cable. If you have any subscriptions or memberships that you use infrequently, cancel them. This will help you save money every month. The less debt you have, the more quickly you’ll be able to build assets. Some kinds of debt, like a mortgage or student loans, can help you build assets or increase your earning potential. But even in these cases look closely at the numbers and make sure you can afford that amount of debt before you take it on.  If you use credit cards, pay off the balance monthly so you don’t have to pay interest. If you already have a considerable amount that you’re having trouble paying off, try to consolidate or refinance it. This might help you get a lower interest rate or stay on top of your monthly payments.
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One-sentence summary -- Make a budget. Track your spending. Lower monthly energy costs. Reduce the amount you spend on entertainment. Avoid taking on debt, especially on credit cards.


Notepad for Windows users or TextEdit for Mac are good free options, but any text editor will do. Subtitle files utilize a specific format: subtitle number, timestamp, and text - each occupying a different line. Timestamps use an hour:minute:second:millisecond format.  For example:101:15:05:00This is a sample subtitle text. This example will place “This is a sample subtitle text” as the first subtitle at the 1 hour, 15 minute, and 5 second mark in the video. Here you can set the filetype using the the SubRip (or srt) extension (a common text format for subtitling videos). For example: ‘subtitles.srt’. The extension at the end of the name is required to set the filetype. This menu is located below the filename field. Selecting “All Files” allows the extension to be something other than plaintext. SubRip files will not function properly without this encoding set. When that is complete, press “Save”. Login to your YouTube account. Press “My Channel > Video Manager” to see a list of your video uploads. You can also access the Video Manager by clicking your account icon and going to “Creator Studio > Video Manager”. The “Edit” button and its menu is located next to the video that you wish to add subtitles to. This will take you to the subtitling interface. A popup menu will appear to choose which kind of file to upload. This will open a window to select which file to upload. The subtitles will be pulled from your .srt file and placed into the timeline and transcript. Edit changes to the text in the transcript or alter timestamps by clicking and dragging the bar on either side a subtitle in the timeline. Press “Publish” and your subtitles will be uploaded to your video.
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One-sentence summary -- Open a text editor. Create your subtitles. Go to “File” and select “Save As…”. Enter a filename ending in “.srt”. Click the “Save As Type” and select “All Files”. Click the “Encoding” menu and select “UTF-8”. Go to your YouTube “Video Manager”. Click the “Edit” dropdown arrow and select “Subtitles and CC”. Click “Add New Subtitles” and select “Upload a File”. Select “Subtitle File” from the popup menu. Browse for the file you created and select “Upload”. Adjust your subtitles. Publish your video.


Like many viral infections, the first line of defense against spreading HFMD is simply to wash your hands thoroughly and regularly.  Your hands are most likely to come into contact with other people throughout your day and HFMD is spread primarily through direct contact.  Teach your children the proper way to wash their hands to help them avoid contracting HFMD at school.  To properly wash your hands, run them under warm water to wet them, then apply soap. Lather the soap over your entire hands, including the backs. Scrub your hands for at least 20 seconds before rinsing them. Sing "Happy Birthday" at least once while you're washing your hands to determine this time approximately. Dry your hands thoroughly. When there’s a risk of HFMD infection, it’s important to avoid direct physical contact with anyone that may be carrying the virus.  HFMD transmits easily through close contact with others.  Tell your kids not to hug or wrestle with other children at school. Do not share eating utensils or drinking glasses with anyone. In order to prevent the transmission of the virus that causes HFMD, you will need to regularly disinfect common areas where people infected with the virus may have been.  It is a good habit to regularly disinfect any high traffic areas, particularly in schools and daycares.  Use soap and water to clean areas, then disinfect them with a diluted solution of chlorine bleach and water. Disinfectant sprays also do a good job of eliminating the virus that causes HFMD on most surfaces. Make sure to clean counters, doorknobs, children’s toys and anything else people touch regularly. You and those around you will need to exercise good cough and sneeze etiquette in order to minimize the chances of infecting one another if anyone were to become infected with HFMD.  Use your arm to cover your mouth so as not to cover your hands in germs. Dispose of tissues you use immediately and don’t leave them anywhere others may come in contact with them. Wash your hands after you cough or sneeze into them to prevent the spread of the virus. If you know someone that is exhibiting the symptoms of, or has been diagnosed with, HFMD you should keep them separate from others, particularly small children.  While HFMD is usually a mild viral infection, it can lead to more serious issues.  If one of your children exhibits symptoms of the illness, quarantine them in a room separate from any other children until they have recovered.  Limit the exposure of people exhibiting symptoms to all others, particularly children. Keep sick children home from school so as to prevent them from spreading it to others. Stay home from work or school if you recognize the symptoms in yourself. It can be very easy to transmit infections like HFMD at school because of the number of children and their lack of understanding about sharing germs.  Teach your kids good practices at home so they are better prepared while in class.  Teach your children proper cough and sneeze etiquette. Encourage your children to wash their hands frequently, especially immediately before eating. Make sure they know not to share beverages or utensils at school. Tell your children to keep their hands and other objects away from their face and out of their mouth.
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One-sentence summary --
Wash your hands often. Avoid direct contact with others. Disinfect common areas. Cover your mouth when you cough or sneeze. Separate contagious people. Teach children how to avoid infection at school.