Q: Cashews are readily available in the bulk section or nuts section at most grocery stores. They can often be found either raw or roasted. Keep in mind that approximately 2 cups of cashews will make 1 ¼ cups of cashew butter. Use this as a guideline for determining the amount of cashews to buy.  Cashews are not available to purchase with their shells still intact. Cashews are in the same family as poison oak and poison ivy, meaning that their shells release a toxin called urushiol that produces skin irritations and rashes. The nuts themselves are typically roasted or, if sold as “raw” in stores, are typically steamed to eliminate the toxin.  Cashews are also available already flavored, such as honey roasted cashews. These can be used to make cashew butter as well. If you are purchasing cashews as a replacement for peanuts because of a peanut allergy, you need to make sure that the cashew processing plant does not also process peanuts. The risk of cross-contamination can be dangerous or even deadly for those with peanut allergies. Also, check to make sure the person with a peanut allergy does not also have allergies to other types of nuts. Peanuts are ground nuts, while others, like walnuts, hazelnuts and cashews, are tree nuts. Some people are only allergic to peanuts, while others are allergic to all kinds of nuts. If you purchased raw nuts, you may decide to soak and dehydrate them first before processing them into cashew butter. To soak nuts, place 4 cups of nuts into a glass or ceramic bowl. Fill the bowl with water so the nuts are completely submerged, and add 1-2 tablespoons of unrefined salt. Cover the bowl and let it stand for about 2-3 hours. Raw nuts contain high levels of phytic acid and enzyme inhibitors, which can cause irritation and digestive difficulty, and can inhibit the absorption of some of the nutrients contained in nuts. Soaking nuts can neutralize the acid and enzyme inhibitors, maximizing the health potential of nuts. Use cool water to remove any salt residue that remains on the cashews. Spread the cashews in a single layer on a cookie sheet or on a dehydrator rack.  Heat your oven or dehydrator to 150 °F (66 °C). Periodically check on the cashews and toss them to ensure they dry on all sides. Monitor them to ensure that they do not burn. Dry the cashews until they are slightly crispy, or about 12-24 hours. Heat your oven to 325 °F (163 °C). Preheat a ceramic dish for 5 minutes, and then place a single layer of cashews in this dish. Bake them in the middle of the oven for approximately 20 minutes. If so desired, add a little olive oil or salt to coat the cashews at this time. Stir the cashews thoroughly. Cashews, like most nuts, are dense and heat can get packed away inside them. Giving the nuts time to cool will reduce the risk of burning yourself when processing them into butter.
A: Purchase cashews. Carefully check manufacturer's warnings for cross-contamination with peanuts. Soak the cashews in water. Rinse the cashews to remove salt. Dehydrate or dry the cashews. Roast the cashews. Allow the nuts to cool before you use them to make cashew butter.

Q: Know whether the bond sold at par, at a premium, or at a discount. Determine the time elapsed since the bond's issuance. To calculate the carrying value of a bond, you will need to know how much of the premium or discount has been amortized, which will depend on the time elapsed since the issue date. Most premiums or discounts will be amortized on a straight-line basis, meaning the same amount is amortized each reporting period.  For example, suppose a 10-year bond was issued two years ago. Two years of amortization have been recorded, and eight years of amortization remain. You need to know the remaining amount of unamortized discount or premium to calculate the carrying value. For example, suppose a company issued a 10 year bond with an $80 premium two years ago. Each year, $8 of amortization is recorded ($80 / 10 years = $8 per year). If two years have passed, then $16 of amortization has been recorded ($8 x 2 years = $16) and $64 is unamortized ($8 x 8 years = $64). Suppose a company sold $1,000 10%, 10 year bonds for $1,080 and 2 years have passed since the issue date.  Calculate the premium by subtracting the face value from the sale price with the equation $1,000 - $1,080 = $80.  The $80 premium will be amortized over the term of the bond at $8 per period.  Since two years have passed, two amortization entries have been recorded.  Eight amortization entries remain.  Calculate the remaining amortization with the equation $8 x 8 = $64.  The carrying value equals the face value of the bond plus the remaining premium to be amortized.  Use the equation $1,000 + $64 = $1,064. Subtract the unamortized discount from the face value.  For example, suppose a company sold a $1,000, 10%, 10 year bond for $920, or an $80 discount and two years have passed since the bond issuance.  The annual amortization of the discount is $8.  Two amortization entries have been recorded.  Eight remain, for a value of $8 x 8 = $64.  The carrying value of the bond is $1,000 - $64 = $936.
A: Determine the terms of the bond in question. Calculate the amortized portion of the discount or premium. Calculate the carrying value of a bond sold at premium. Calculate the carrying value of a bond sold at a discount using the same method.

Q: External factors, such as friend groups, habits, and workplace can be part and parcel to how your reputation evolves. A toxic environment with toxic people and relationships may be the source of your problems. Take some time to consider whether or not you need to make some changes in the people and places of your life.  If you have a bad reputation among friends, maybe it is time to spend time with different people. Maybe your friends are encouraging habits that make people think poorly of you. At work, toxic employment environments can create unreasonable expectations of people. A work environment which encourages an unhealthy work-life balance can make it seem that a hard working, dedicated individual is lazy. Examine your workplace culture, and think about whether or not a value clash is causing your reputation to suffer. You may want to find a new job. This can be a very difficult thing to accomplish. But when you see yourself through the eyes of others, and you don't like what you're looking at, make a change. Changing yourself is hard because we develop strong patterns and habits in life. However, by making big changes in your behavior, people will take notice. This will change how they see you, and it may cause others to re-evaluate their perceptions of you as a person.  Seek professional help, such as a therapist or psychiatrist. Find a life coach or a spiritual guide to help you find ways to make internal changes. Superficial change is not the same as an authentic change. Inauthentic behavior is hard to keep consistent. When you're not being authentic, people notice. Real change is harder than pretending to be different.
A:
Change parts of your life. Change yourself. Avoid superficial changes.