Fill a rocks glass with ice cubes. Fill the glass halfway with Kahlua. Using a stir stick or spoon, gently stir the ice to cool the Kahlua. Add a sliver of orange zest to the glass to jazz up this standby drink. To make this classic cocktail, fill a tumbler glass with ice cubes. Pour 2 oz. (4 tbsp.) of vodka and 1 oz. (2 tbsp.) of Kahlua over the ice. Stir the drink gently to mix it, and enjoy! To prepare this delicious drink, fill a tumbler glass with ice cubes. Pour 1 oz. (2 tbsp.) of Kahlua, 1 oz. (2 tbsp.) of vodka, and 1 oz. (2 tbsp.) of table cream over the ice. Stir the drink lightly to mix it. For a lighter version of this drink, use an equal amount of milk instead of cream. To mix a cocktail that tastes like dessert, use a shaker filled with ice. Pour in 1.5 oz. (3 tbsp.) of Kahlua, 1.5 oz. (3 tbsp.) of vodka, and 1.5 oz. (3 tbsp.) of Irish cream liqueur. Shake the ingredients together, then pour the drink into a tumbler glass filled with ice. To make something both strong and refreshing, fill a tumbler glass with ice. Pour in 1 oz. (2 tbsp.) of Kahlua, followed by 2 oz. (4 tbsp.) of vodka and 2 oz. (4 tbsp.) of club soda. For a cool look, avoid mixing the drink and let three layers sit on top of each other. To make a drink with a bit of a buzz to it, fill a shaker with ice. Pour in 2 oz. (4 tbsp.) of vodka, 1 oz. (2 tbsp.) of Kahlua, and 1 oz. of chocolate liqueur. Shake them together vigorously and pour the drink into a martini glass. If you wish, top the martini with espresso beans or chocolate flakes.
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One-sentence summary -- Serve Kahlua on the rocks. Mix together a Black Russian. Make a White Russian. Indulge with a Mudslide. Make a Mind Eraser. Shake up a coffee martini.


Some lenders may only charge you a fixed monthly interest, which can allow you to apply additional payments toward the principal amount. However, other lenders may charge you interest on every payment you make. Ask your lender if you can make additional payments toward the principal amount of the loan without having to pay interest. If so, you can plan to make small, additional payments toward the loan each month and pay less in interest over the life of the loan.  An example of the difference between the kinds of interest you pay is: if you have a $100 payment due every month with $4 interest that means you pay $104 per month. What you need to find out is if that $4 is a fixed amount per month, which would mean no matter how much you might pay on the principal ($100, $200, $300) you still pay just $4 monthly interest. If, however, they charge interest on every payment, you would end up paying 4% interest on whatever you are putting down on the principal -- $8 if you chose to pay $200 instead of $100, for example. Even if you have to pay interest on each payment, it is usually worth your while to make extra principal payments to pay your loan off faster. Use a check or pay online to make an extra payment per month, that is separate from your regular car loan payment. Write “Principal Only” on the check so that the lender will not count it toward your loan payment for the next month. If you are paying online, pay the extra principal amount before you are billed for the next month. Instead of making one monthly payment, split it in half and make payments every two weeks. This typically works out to twice per month, but by the end of the year you will have made two more biweekly payments (one full payment) because most months are longer than an exact 4 weeks. In other words, make 26 half-payments per year (every other week for 52 weeks) that will equal 13 full payments, rather than the 12 you would've otherwise paid. This means that the total amount you owe will go down faster, saving you interest on the loan.
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One-sentence summary -- Determine if you can make additional payments to the principal balance only. Make a separate payment for principal. Make biweekly payments.


Hold your lips lightly together and blow air out of them while humming, like you're making a raspberry. Focus on having a relaxed throat and an engaged core while you do this. Practice lip trills going from a low to a high note and vice versa. Once you’re used to the lip trills, practice doing scales with them. To help your body learn to relax while you sing, tense up your body and then right after releasing the tension, do a lip roll from low to high; repeat, this time going high to low.  Humming is another gentle way to warm up your voice. Try humming along with music on your way to school or work or, if you’d prefer not to do that sort of thing in public, hum while you cook or while you’re in the shower. Starting as low as you can comfortably sing, gently move up the scale using a “me” sound until you reach the highest note at which you are comfortable. Then, move down the scale from high to low using an “e” sound. You can also practice "woo" scales. Your mouth should look as though you’re sucking in a long string of spaghetti as you inhale. When you exhale, make a “woo” sound. It should sound buzzy, similar to the sound made by a kazoo. Keep the sound steady as you exhale; do this 2 to 3 times. Next, go up and down your scales using the “woo” sound. Say groups of single words or entire phrases without stopping between the words — treat them as a single word. Lengthen the vowels and exaggerate the vocalization of each word as you say and/or sing it.  As you speak/sing, imagine that you’re filling a room with your voice. Focus on smooth transitions: when switching between higher and lower, and louder and softer parts of a song, imagine moving up and down a ramp — not a staircase. Example words: moon moan mourn mane mean.  Example phrase: many men munch many melons. A lot of vocal exercises can sound and look pretty funny. Relax and have fun with it. Two fun and silly exercises that help open up your throat:  Sing “meow” slowly, emphasizing its three sounds — mee, ahh, and ooo. Make weird faces by stretching out your tongue in all directions. You can do this while singing or even just making weird noises. As with physical exercise, cooling down after doing vocal exercises is important. One way to cool down is to do the same simple vocal warm-ups you started with (for example, yawning, light coughing, rolling your lips, and humming). Another way to cool down is simply to gently glide up and down, and down and up, on the sound “m”, so that you feel a tickling vibration in your lip/nose area. If you really want to improve your voice, you need to practice often. Sing with intention and try to improve specific things, such as working on your vocal range or nailing a difficult note in your favorite song. Aim to sing for 30 minutes at a time, then take a 30-minute vocal rest. During the vocal rest, don't sing, talk, whisper, or otherwise use your voice.
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One-sentence summary --
Do lip trills and hum. Sing scales. Practice smooth projection with words and phrases. Be prepared to feel silly. Cool down. Practice wisely on a regular basis.