Article: With a tiered APR, the credit card company applies different rates to different parts of the balance. For example, it may charge 17 percent on balances up to $1,000 and 19 percent on balances above $1,000.00. If you have an outstanding balance of $1,500, you would pay 17 percent interest on the first $1,000 and 19 percent interest on the last $500. Figure out how many tiers apply to the outstanding amount at the end of your billing cycle. You need to figure out the DPR for each of those rates individually. So, for our example:  17 ÷ 365 results in a DPR of 0.047 for the first $1,000 of your balance. 19 ÷ 365 results in a DPR of 0.052 for the last $500 of your balance. The steps are essentially the same as those for fixed and variable rates, as you can see. But it's important that you remember to apply each step to the different tier rates. Assume that we’re calculating the monthly rate for January, which has 31 days.  0.047 x 31 = a monthly rate of 1.457 percent for the first $1,000 0.052 x 31 = a monthly rate of 1.612 percent for the last $500 Again, move decimal points two places to the left to convert percentages to numbers that can be multiplied.  $1,000 x 0.01457 = $14.57 of interest paid on the first $1,000 $500 x .01612 = $8.06 of interest paid on the last $500 $14.57 + $8.06 = $22.63 of interest paid on your outstanding balance of $1,500.
Question: What is a summary of what this article is about?
Understand how tiered APRs work. Calculate the DPR for each tier. Multiply each DPR by the number of days in the month. Calculate the interest paid on your outstanding balance. Add the amounts together to find your total.

Problem: Article: Having a regular shower routine can keep you at a steady pace and on schedule. Try to do your shower activities in the same order so that you don’t even have to hesitate or think about what you are doing. Try to maximize the time that you have in the shower by consolidating some of your shower activities! For instance, you apply and rub shampoo into your hair, then wash your body while you let the shampoo cleanse your hair. Once you finish washing, you can rinse the shampoo out of your hair and then apply your conditioner, then multitask in a similar way while the conditioner soaks into your hair. Shampooing and conditioning your hair is often what takes the largest chunk of time in the shower, especially if you have particularly long hair. To cut the time it takes to wash your hair, use a two-in-one shampoo and conditioner. These products can be equally as effective as using two separate products, and they can shave off a significant amount of time from your shower. Another great way to keep on schedule is to decide roughly how long you want to spend on each shower activity. For instance, you may decide to spend two minutes applying shampoo and washing your body, one minute rinsing out your shampoo and applying conditioner, and two minutes finishing washing your body and rinsing out your conditioner. If you’re really serious about shortening the time of your shower, consider turning down the temperature of the water midway through the shower. A hot, luxurious shower can be difficult to get out of, but if you turn down the water temperature to a temperature that is not as comfortable, it can be a powerful motivation to get out quicker. Never turn the water to a temperature that is too uncomfortable. Instead, turn the water from hot to lukewarm, rather than freezing.
Summary: Set up a firm routine. Do two things at once. Use a two-in-one shampoo and conditioner. Time each shower routine. Turn down the water temperature.

Kittens should not leave their mother before 8 weeks of age. Indeed there is some debate about when is the right time, with some people arguing that 12 weeks is the correct age to go to a new home. However, at 12 weeks of age a kitten's ability to accept new experiences is slowing up, which means it can be harder for it to fit into a new home. Most kittens brought up from birth in loving homes and with plenty of food and love, are confident enough to leave their mothers after 8 weeks. This is a good compromise to allow the kitten to be socialized in their new home at the right age. You need to kitten proof your home before the little one arrives. Put away all hazards that the kitten could get into. This includes cleaning supplies, medicines, and small items that you treasure and don't want broken. You should also keep cords, such as computer cords or cords on blinds, out of reach of the kitten.  You may want to consider certain areas off limits to the kitten. If that is the case, you need to figure out a way to block off the areas so the kitten can't get in. Get rid of plants that are poisonous to cats. There are a wide variety of common house plants that can severely injure, or kill, a cat if it eats them. Research your plants to see if they cause a threat to your new family member. You will need to buy a variety of items in order to meet the needs of your new family member. These items include (but are not limited to):  A litter box: A kitten's little legs require a low-sided tray so it can hop in without problems. You can always change to a deep-sided litter box once the kitten is older. Cat litter: Avoid clumping cat litter since kittens like to explore with their mouths and if it swallows clumping cat litter it can form a blockage in its gut. Food and water bowls: Ceramic or stainless steel are best, as these wash well and the surface doesn't scratch and harbour bacteria like plastic bowls do. Kitten food: Start by feeding the same food the kitten was weaned onto. Ask whoever has been taking care of the cat for the brand of food and how much they have been giving it. Hiding places: The kitten will be anxious at first, so provide plenty of hiding places, such as cardboard boxes, where it can feel safe as it gathers its courage. Blankets or a soft bed: Soft bedding to snuggle into is important for the kitten. Try to bring the blanket or soft bed when you pick up the kitten, so that you can get some familiar smells on it from its mother and original home. Comb or brush:  Groom your kitten from an early age so it doesn't mind being combed as an adult. This is especially important for long-haired cats. This should contain its food, water, bedding, hiding places, and litter tray. Leave the kitten in peace to explore for a little while and find that the room is safe.  Spend some time with the kitten in its room and sit on the floor. Let it come to you to explore. Speak gently and quietly, and if she rubs against you gently stroke her back. As the kitten gets to know where to find food, water, and its tray, and over the coming days as it becomes bolder, you can start leaving the room door open so it can slip out to explore.
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One-sentence summary --
Wait to take the kitten home until it is old enough to leave its mother. Prepare your home. Buy supplies before you bring the kitten home. Set up a room for the kitten to be put in initially.