Summarize the following:
" The net capitalized cost equals your negotiated selling price minus any down payment and any other credits (such as the value of a trade-in or factory rebate). If the dealer agrees to pay off the balance of the loan on your existing car, add that loan balance to the selling price. For example, let's say the negotiated selling price of the car is $26,000. Subtract a down payment of $1,000 and a trade-in value of $3,000 = $22,000. The dealer then agrees to pay off the balance of the loan on your existing car at $5,000, so that equals a $27,000 net capitalized cost. The dealer may provide this number or may provide you with a residual percentage. To calculate the residual value, multiply the sticker price of the car by the residual percentage.  For example, $30,000 sticker price X 55% residual percentage = $16,500 residual value. Remember that depreciation isn't a straight line — it is usually accelerated in the first five years, particularly in the first year. Your car may depreciate by 20% or more in the first year, After the first five years, most cars have depreciated by 60% on average. Then subtract the residual value from the net capitalized cost. Divide the resulting number by the number of payments. The result is the depreciation portion of the lease payment.  For example, you lease a new car for three years. The sticker price of the car is $30,000, you negotiate a purchase price of $26,000, you make a cash down payment of $1,000 and you trade in your old car for a credit of $3,000. There is no loan balance due on your current car. The dealer tells you the residual value at the end of the lease will be 55% of the sticker price. The net capitalized cost = $26,000 - $1,000 - $3,000 = $22,000. The residual value = $30,000 x 55% = $16,500. The number of monthly payments = 3 years x 12 months/year = 36. Depreciation fee = ($22,000 - $16,500)  /  36 = $152.78.

summary: Calculate the "net capitalized cost. Determine the residual value of the car at the end of the lease. Identify the number of the monthly payments on the lease.


Summarize the following:
When you feel comfortable and confident in your ability to crochet chains, you can start learning more advanced stitches.  Each time you practice a new stitch, you'll need to create a long foundation of chain stitches first. You'll need to work these new stitches into the loops of your chain. When learning a new stitch, try to create multiple rows using the new stitch. Continue creating rows of the same stitch until you become comfortable with the technique. After mastering the chain stitch and the slip stitch, the next stitches you should learn (in order) are:  The single crochet stitch The double crochet stitch The triple or treble crochet stitch After you've practiced your basic stitches, you can start using them to create simple projects like blankets and scarves.  Look for crochet patterns written for children since the instructions will be easier to understand. Check the stitches listed in the instructions before you begin. Make sure that you know how to create all of the required stitches.

summary: Learn additional stitches. Pick out easy project patterns.


Summarize the following:
Wear vinyl or latex gloves when you check for bedbugs. This can protect your hands from being bitten by live bed bugs and the gloves will prevent you from coming into contact with blood from smashed bed bugs. If you don't have any gloves around, wrap a plastic bag over your hand before looking for the bed bugs. Adult bed bugs are around 1⁄4 inch (0.64 cm) long and they have 6 legs. A bed bug that's recently fed on blood will be bright red and round. Once it digests the blood, it will turn a darker brown color and become flat. If the bed bug hasn't fed in a while, it will be a pale brown color. Since bed bugs feed on blood, they can leave behind red or rusty stains if they get smashed. The color may be bright red if the bed bug was recently crushed or the stain may be dark if the bed bug was smashed a while ago. The stains might look like single drops of blood or there will be smears and streaks. Bed bug excrement will look like very small black spots (about this size: •). The excrement can stain the fabric that's underneath it, so you may see dark streaks as well. You should also look for small pale white eggs that are around 1 millimetre (0.10 cm) in size. You may also see pale skins that the bed bug nymphs shed as they grow larger.
summary: Put on gloves to protect your hands. Identify small bed bugs that are red or brown. Look for red stains from crushed bed bugs. Check for bed bug eggs and excrement.