In one sentence, describe what the following article is about: The interest rate stated on your investment prospectus or loan agreement is an annual rate. If your car loan, for example, is a 6% loan, you pay 6% interest each year. Compounding once at the end of the year is the easiest calculation for compounding interest.  A debt may compound interest annually, monthly or even daily. The more frequently your debt compounds, the faster you will accumulate interest. You can look at compound interest from the investor or the debtor’s point of view. Frequent compounding means that the investor’s interest earnings will increase at a faster rate. It also means that the debtor will owe more interest while the debt is outstanding. For example, a savings account may be compounded annually, while a pay-day loan can be compounded monthly or even weekly. Assume that you own a $1,000, 6% savings bond issued by the US Treasury. Treasury savings bonds pay out interest each year based on their interest rate and current value.  Interest paid in year 1 would be $60 ($1,000 multiplied by 6% = $60). To calculate interest for year 2, you need to add the original principal amount to all interest earned to date. In this case, the principal for year 2 would be ($1,000 + $60 = $1,060). The value of the bond is now $1,060 and the interest payment will be calculated from this value. To see the bigger impact of compound interest, compute interest for later years. As you move from year to year, the principal amount continues to grow.  Multiply the year 2 principal amount by the bond’s interest rate. ($1,060 X 6% = $63.60). The interest earned is higher by $3.60 ($63.60 - $60.00). That’s because the principal amount increased from $1,000 to $1,060. For year 3, the principal amount is ($1,060 + $63.60 = $1,123.60). The interest earned in year 3 is $67.42. That amount is added to the principal balance for the year 4 calculation. The longer a debt is outstanding, the bigger the impact of compounding interest. Outstanding means that the debt is still owed by the debtor. Without compounding, the year 2 interest would simply be ($1,000 X 6% = $60). In fact, every year’s interest earned would be $60 if you did earn compound interest. This is known as simple interest. It can be handy to visualize compound interest by creating a simple model in excel that shows the growth of your investment. Start by opening a document and labeling the top cell in columns A, B, and C "Year," "Value," and "Interest Earned," respectively.  Enter the years (0-5) in cells A2 to A7. Enter your principal in cell B2. For example, imagine you are started with $1,000. Input 1000. In cell B3, type "=B2*1.06" and press enter. This means that your interest is being compounded annually at 6% (0.06). Click on the lower right corner of cell B3 and drag the formula down to cell B7. The numbers will fill in appropriately. Place a 0 in cell C2. In cell C3, type "=B3-B$2" and press enter. This should give you the difference between the values in cell B3 and B2, which represents the interest earned. Click on the lower right corner of cell C3 and drag the formula down to cell C7. The values will fill themselves in. Continue this process to replicate the process for as many years as you want to track. You can also easily change values for principal and interest rate by altering the formulas used and cell contents.
Summary: Define annual compounding. Calculate interest compounding annually for year one. Compute interest compounding for later years. Create an excel document to compute compound interest.

When it’s cold out, it’s time to switch up your night clothes. Swap out cotton for some flannel pajamas. You can buy flannel tops and bottoms, as well as night shirts. Flannel is a great insulator that will help you retain your body heat. Look for a fun or cute print to liven up your flannel wardrobe. Looser is generally better when it comes to sleepwear. You probably move around during your sleep, and it’s best to wear clothing that will easily move with you. Look for loose clothing, but make sure you won't get tangled up in it if you toss and turn. If you wear pajama pants, make sure that the elastic is loose and breathable. Your feet might be one of the coldest parts of your body. To help keep your whole body toasty, keep your feet warm by sleeping in socks. Choose socks that feel comfortable to you. Make sure they’re not too big or floppy. You don’t want them coming off in the middle of the night! If flannel doesn’t seem to be keeping you warm enough, consider adding additional layers of clothing. You could try a thermal t-shirt underneath your pajama top. You can also add a pair of form fitting leggings underneath your pants or night shirt. If you get cold during the night, add another layer. If you get too hot, just peel one off. A lot of your body heat can escape through your head. If you’re really cold, consider wearing a hat to bed. You can wear a ski cap or even a hunter’s style cap with ear flaps. Whatever feels good to you is the right hat. You could choose to wrap a scarf around your head (not your face) as an alternative to a hat.
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One-sentence summary -- Wear flannel pajamas. Pay attention to fit. Wear socks. Try layers. Cover your head.

Problem: Article: Depending on how many people you plan to invite, this may become physically exhausting. Handwritten invitations are immediately more personal than any typed font could be - it’s your own personal font! Agree on a format, split a stack of invitations with your partner and start writing. They will not all look the same, but that’s the point! Each invitation will be one of a kind. If writing the full invitations by hand is too time consuming, you can always type up the actual invitation and only write the name and address by hand. Envelopes can take many forms, both manufactured and homemade. The invitation itself can be folded into a type of envelope, but it’s recommended to place it inside of something else to avoid being damaged. But why use regular envelopes when you can make your very own personalized invitations! Create your own personalized envelope by vertically folding a standard sheet of paper into three equal sections. Unfold the paper then fold the two long edges in by an inch. Refold the bottom third onto the middle third and glue it in place on the edges. You now have a sealed pocket in which to place your invitation, then fold the remaining third down and seal it in place with tape or glue. If you are feeling more tech savvy and want to avoid the whole process of mailing invitations, create a website for your special day and share the link with those you want to invite. The website should contain details regarding time and locations of the ceremony and receptions. It should include further information for expected attire, parking, and a gift registry. You can include an option on the site to RSVP for themselves and whoever they are permitted to bring. Enabling guests to RSVP online is very useful as you have the further benefit of collating a database of guest's email addresses if you need to contact them with further details closer to the wedding.  Many wedding websites have resources that can help you create your own site regardless of technical skill.
Summary:
Write invitations by hand. Get creative with the envelope. Create your own website.