Write an article based on this "Consolidate your federal loans through a Direct Consolidation Loan. Check your credit scores. Compare loan consolidation and refinance companies. Get quotes from companies you're interested in. Complete an application with the lender of your choice. Arrange for automatic payments if possible."
article: If all of your loans are federal Direct loans, you can consolidate them and make a single monthly payment. When you consolidate through the federal government, you won't necessarily get a lower interest rate than what you're currently paying. However, consolidation can make repayment more convenient.  Even though you won't get a lower interest rate, consolidations loans can be especially helpful if you have several years worth of loans that are with different servicers and have different due dates. Generally, if you have loans with different servicers, they would all be moved to a single servicer when you consolidate. If you have different types of loans, you may end up with two consolidation loans rather than just one. However, this can still make your payments easier to manage. The main reason to refinance your loans is to get a lower interest rate. If you don't have a credit score over 680, it's unlikely you'll qualify for a lower interest rate than what you're currently paying. Some refinance companies only consider applicants with credit scores above 700. While you can get a credit report for free each year from each of the 3 credit bureaus (TransUnion, Equifax, and Experian), these reports don't include your scores. You can use free websites or apps, such as Credit Karma, Credit Sesame, or Wallet Hub, to check your credit score. You can also pay for access to your official credit score from one of the 3 credit bureaus. Refinancing your loans into a single loan can make repayment easier and may lower your monthly payment. Generally, you want to look for the company that will give you the lowest possible interest rate. That way, you'll pay less money overall for the life of your loan.  If you can't get your loans refinanced at a lower rate than what you're currently paying, there's no point in refinancing. Even if you're offered a lower monthly payment, you'll still be paying off your student loans for a longer period of time and will end up paying more overall. Nerd Wallet has an online tool you can use to compare companies and find the best fit for your needs. Go to https://www.nerdwallet.com/refinancing-student-loans and enter your information to get started. Typically, consolidation and refinance companies provide you an estimate based on your answers to a few questions about your income and the total amount of your student loans. They'll likely also do a "soft pull" of your credit, which doesn't give them the details of your credit history and doesn't have a negative impact on your score. You can use these quotes to compare different lending companies. However, keep in mind that the terms of the loan you're ultimately offered may not be the same as the one in the quote. Once you've decided which lending company you want to use, you'll fill out a complete application with more details than the information you provided to get the initial quote. Typically, you can fill out this application online in 10 to 15 minutes.  After your application is complete, you'll get a refinancing offer. You may have a limited period of time to either accept or reject that offer. If you accept the offer, the lender will pay off your student loans for you and you will then make your monthly payments to that lender rather than your previous loan servicer. Try to only submit a full application to one lender. Each lender will do a hard pull on your credit, and too many hard pulls can have a significant negative impact on your credit score. Lenders often offer incentives if you agree to automatic payments. You may qualify for a lower interest rate, for example, or a slightly lower monthly payment. Remember only to sign up for automatic payments if you're confident the money will be in your account to cover the payment on the due date each month. If a payment is returned, you'll be on the hook for additional fees from the lender as well as bank fees. In addition, your payment will be recorded as late, which can hurt your credit.

Write an article based on this "Make a reserve of saltwater. Use a gravel vacuum to change the water in the hatchery regularly, about 20% (2 gallons) per week. Rinse or replace the sponge filter every 1-4 weeks. Regularly check the tank’s temperature, salinity, and cleanliness."
article: You will need to keep the saltwater on hand for when you change the tank water. Always having a gallon of saltwater ready will make changing the water much easier.  Fill a gallon container with reverse osmosis water. Add the salt per manufacturer’s instructions. Cap the container, and store the saltwater in a cool, dry area until you need it. Turn off the aeration and circulation system before changing the water. Let the air in the tank settle so it is not moving. Shine a bright light at the surface of the tank so the brine shrimp all flock to it.   Siphon the dirty water off the bottom of the tank with the gravel vaccum. Then, replace the siphoned water with some of the marine salt mixture you made earlier. Check the salinity and temperature of the tank to make sure the levels are good. The sponge filter may get noticeably dirty. To rinse or replace the filter, turn off the air pump, remove the sponge, and rinse it in the used tank water, or non-chlorinated (conditioned with Prime or other conditioner) room temperature-or current temperature of your aquarium  water. When it is clean again, replace it, and turn the air pump back on. You will only need to get a brand new sponge if it disintegrates. It houses useful bacteria to keep the tank healthy. Never rinse the sponge or any other filter in anything other than used tank water or conditioned water. To rinse filter media in too hot, too cold or chlorinated water destroys the bacteria that supports a healthy tank.   Use a flashlight to herd the brine shrimp away from the sponge filter when doing this. You may need someone to help you grab the filter or shine the light. All of these factors are important to keep in mind when you are maintaining a saltwater habitat. Get into the habit of checking these factors weekly.

Write an article based on this "Choose a spot for the plants. Choose and prepare the soil. Plant the strawberries. Water the plants as they grow."
article:
Strawberries can be planted into pots or raised garden beds as long as three weeks have elapsed since the last frost. They like lots of sun, so choose a location that gets between 6 and 10 hours of sun per day.  To make a simple raised garden bed, lay down a piece of plastic on the site where you want the bed to be. Use pieces of wood, logs, cinder blocks, bricks, or any other material to build up a square or rectangular barrier around the edge of the plastic that will keep the soil in place. Make sure the barrier is at least 10 inches high. Fill the center with soil that’s at least 8 inches (20.3 cm) deep. Strawberries like soil that’s moist but not wet, so you need a well-draining soil. A good option is a sandy loam mixed with compost or manure. Use about one-third compost or manure and two-thirds loam. For each plant, dig a 6-inch (15.2 cm) hole into the soil. Place the plant into the soil, and try to disturb the roots as little as possible. Leave 24 inches (60 cm) of space between each plant. Fill the hole around the roots with soil and pack it down to remove air pockets. After planting the strawberries, water them. Give them more water anytime the soil starts to dry out, especially when the weather becomes hot and dry.  Water strawberry plants in the early morning, and add the water directly to the soil. Do not get the fruit or leaves wet. To help keep the soil moist, add a layer of clean straw to the surface of the soil. You may have to wait until next year for the plants to bear fruit. It’s recommended that you remove all the flowers during the first year of growth in order to allow the plant to mature before growing berries. This may be difficult, but it will give you a much better harvest the second year. Alternatively, start your plants in the fall and harvest the following spring.