In one sentence, describe what the following article is about: Skype lets you make international phone calls to landlines and cell phones with Skype credits. Choose the Dominican Republic from the dropdown menu, then enter the number you want to call.  Check the rates to call the DR with Skype credits on Skype’s website. You can purchase plans to call landlines, mobiles, or both. Skype also offers monthly plans that allow you to call anywhere in the world.  You can also use the Skype mobile app or desktop app on your computer to call other Skype users for free. You just need to add them as contacts on your Skype account. Make free calls through the Viber app to other users who have Viber installed on their smartphones. Purchase Viber Out credits to make calls to landlines or mobile numbers in the Dominican Republic. Check the Viber website to see their rates for calls to the DR. You can either buy a credit package or calling plan for the best rates. Add the whole number, starting with “+1”, of the person you want to reach in the DR as a contact in your smartphone. Open the WhatsApp application and search for the contact, then press call. This will only work to call other people who have WhatsApp downloaded to their smartphones. Luckily, most people all over the world are using WhatsApp these days, so you should be able to call almost anyone! Go to https://hangouts.google.com/webchat/start, open the Hangouts sidebar in Gmail, or use the mobile app. Search by name or email for the person you want to call and click on their name when it appears, then click call.  You can also check the names of multiple people to start a group call. If you can’t find the person you want to call, you can start a call, then click on “Add people” at the top to get a shareable link that you can send to anyone.
Summary: Use Skype to call a number in the DR at cheaper rates. Call the DR with Viber for an inexpensive or free option. Use WhatsApp to call other WhatsApp users in the DR for free. Use Google Hangouts as another option to make free calls.

Chinese bonds, especially corporate bonds, can be a lucrative investment for a savvy investor. However, market involvement by foreign parties is limited by the Qualified Foreign Institutional Investor (QFII) program. This program sets an upper limit for investment by foreign investors. Some trading platforms or banks may be able to get you in to the market, but check with them first to see if they offer this service. Also available are the so-called "panda bonds," which are bonds denominated in Chinese currency but sold by non-Chinese companies. The issuers of the bonds are typically more familiar outside of China, so investors looking for greater certainty may want to turn to these bonds. Chinese corporate bonds are those sold by Chinese companies. Like other corporate bonds, they typically carry a higher interest rate than government bonds, due to their higher perceived risk. The Chinese market recently opened access to small and medium company bond offerings, giving investors a chance to invest in these even riskier, higher-returning bonds.  Remember to thoroughly research any investment, especially in risky corporate bonds, and assess your risk tolerance before investing. The market for Chinese debt issued on the mainland is generally restricted to institutions and may bar individuals from investing. Investors barred from entering the market can instead invest in what are known as "dim sum bonds." These Yuan-denominated bonds are issued in Hong-Kong and are more readily available to foreign investors. Chinese government bonds are those issued directly by the Chinese government. These bonds are issued in Chinese Yuan, rather than USD, so foreign exchange risk must be considered. As of late 2015, these bonds were only available in the United Kingdom, so check with your broker before investigating this investment further. These funds invest in a variety of emerging market bonds, including both government and corporate bonds. Each individual fund also varies in its geographical focus, but all focus mainly on countries outside of North America and Europe. Investing in bond funds allows the investor to usually experience less risk than they would have if they simply invested in foreign bonds themselves. However, there is significant risk associated with these bond funds as well. Be sure to choose a fund that is the right mix of high returns and lower risk. Analyze several different funds and consider the tradeoffs between them. Like many emerging economies, China's economy has yet to become as stable as a developed economy, like that of the United States. This means that economic factors that influence security prices, like interest rates and government regulations, can change dramatically in short periods of time. This can have dramatic effects on your portfolio's returns. Additionally, buying many of these investments in the Yuan opens you up to foreign exchange risk if the value of the Yuan drops relative to the US Dollar. Take these risks into account when investing in China.
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One-sentence summary -- Find a broker that trades Chinese bonds. Buy Chinese corporate bonds. Invest in Chinese government bonds. Consider emerging-market bond funds. Understanding the risks.

Problem: Article: Many biological and cultural factors may contribute to the desire to have a child. However, rather than bending to immediate pressure, take time to decide whether you have the capacity to care for a child in your home for the next eighteen years, as well as helping to support it throughout your life.  Understand that having a baby is not simply a time commitment. Raising a child is currently estimated to cost a quarter of a million dollars before college.  Know that a child is a mental investment, as well. Studies report that new parents experience a loss of happiness that is on par with divorce and unemployment. While happiness does eventually pick up again, consider your own mental health and whether you are presently in a place to handle that level of extended mental hardship. If you grew up believing that parenthood was the only option once you grew up, take a moment and consider what it would mean for your life if you did not have children. This is simply an exercise, not a final decision, but picture what type of work, relationships, hobbies, and personal interests you might pursue if you did not have a child. Ask yourself, “Does any of this feel better to me than the option of bringing up a family?” Take note of your instinctual reaction. If there is something in your mind that does seem as appealing as parenthood, check with yourself to see if that option and raising a child truly are exclusive. How might you be able to work that career, hobby, or relationship into your life as a parent? Remember that you have no obligation to have children if you don’t want them. Likewise, as long as you are legally an adult in your homeland, you have no obligation to abstain from having children if you do want them. Look around you and see if anyone is pressuring you to make this decision.  If you and your partner are not on the same page about children, stop momentarily and ask yourself, “Am I considering this new stance because I am seeing things differently, or am I trying to make my partner happy?” Look at your friends and family. Have any of them been pressuring you one way or the other? If so, you may opt to keep your distance from them until you make your decision.
Summary:
Consider the commitment. Consider not having children. Check your obligations.