In one sentence, describe what the following article is about: Monthly cleaning is needed to prevent the build-up of dirt and grime on cubic zirconia. If you're consistent with monthly cleaning, this reduces the likelihood the jewelry will build up dirt to the point professional cleaning is required. If you wear cubic zirconia on your hands, avoid using lotion or things like essential oils. Cubic zirconia is sensitive to such substances and can easily be damaged. If you do use lotion or oils, keep it away from any cubic zirconia you're wearing. Bleach, chlorine, and ammonia should not be used on cubic zirconia. Do not use any chemical cleaners to remove harsh stains, as this can easily damage your jewelry. Cubic zirconia should be stored in an airtight container to prevent wear and tear. Any time you're not wearing cubic zirconia, store it promptly and in a safe container.
Summary: Clean cubic zirconia once a month. Keep cubic zirconia away from lotions and oils. Avoid harsh cleaners. Store your jewelry safely.

Goldfish plants need lots of light, but direct sunlight will cause the leaves to burn. If you’re growing your plant indoors, place it in a window that faces north or east to prevent it from getting too much light during the day. These plants can also do well under an artificial grow light. These plants love humid conditions. To make sure your goldfish plant gets the humidity it needs, place the pot on a shallow tray or saucer with pebbles in it and pour a little water into the tray. The water will evaporate and create moisture for the plant.  Don’t put in so much water that it touches the bottom of the pot. This could cause the soil to become soggy. If your plant is in a hanging basket, you can instead mist it every day with lukewarm water. Don’t use cold water, since this will damage the leaves. Goldfish plants do well in warm conditions, but they are sensitive to heat and cold. Keep your plant in a temperature-controlled area so that it doesn’t get too hot or cold. If you notice the leaves of your goldfish plant turning brown or falling off, it may mean that your plant is too hot. In nature, the goldfish plant is epiphytic, meaning it usually grows in trees rather than on the ground. For this reason, it’s easiest to grow goldfish plants in planters or hanging baskets rather than in your garden. Choose a pot that is at least 6–8 inches (15–20 cm) wide to allow your plant to trail and spread out. Make sure to choose a planter with good drainage, since soggy soil can cause the roots to rot. It’s important to keep epiphytic plants in soil that drains well, since waterlogging can cause the plant to rot. Choose a soil that won’t retain too much water and allow your goldfish plant to become soggy. An orchid or succulent potting mix containing perlite and peat moss should work well.
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One-sentence summary -- Pick a spot with indirect sunlight. Plant your goldfish plant in a humid area. Maintain a temperature of around 65–75 °F (18–24 °C). Put the plant in a wide planter so it can trail. Give your plant a well-draining potting mix.

Q: Most mechanical bulls are surrounded by bouncy, padded flooring. Use this padding to hop up and get your right or left leg over the bull. Then, use your hands and arms to steady yourself on top. Your legs should hang down on each side of the bull's back.  Some people might have trouble initially mounting the bull because it is too high. This is why you should use the padded flooring to your advantage. Try not to jump too high because you might miss and jump over the bull completely. Mechanical bulls will either have a padded strap or a long rope handle that you can hold on to. Use this after you jump up on the bull to stable yourself and adjust your positioning. It is best to hold on to it underhanded with your non-dominant hand. Holding on to the rope underhand allows for the best stability when the bull is in motion. It also helps you to release your grip more easily when you fall. It's best to position your body as far forward on the saddle as you can. This will help to minimize your movement, which will ultimately keep you on the bull longer. Once you are far up on the saddle, squeeze the sides of the bull with your thighs so you are firmly rooted to the bull's body. Position your legs forward and avoid angling them behind you when you're sitting on the bull. If your feet are behind you, it will be harder for you to balance while the bull is moving and you may fall forward on the bull if it moves down. Once your legs are positioned correctly, dig your heels into the sides of the bull and point your toes outward. This will allow you to get a better grip on the bull with your feet. Don't use your toes to try to hold on to the bull. They do not have enough strength to keep a good grip.
A: Jump up and bring 1 leg over the bull to sit in the saddle. Hold on to the rope palm up with your non-dominant hand. Move your body forward in the saddle and squeeze it with your thighs. Pull your legs forward. Dig your heels into the bull's side.

Problem: Article: As long as you keep up with your payment plan as spelled out in your promissory note, you are on track to successfully repaying your loan. Even if you are able to meet the payments without difficulties, you and the lender might prefer to put a buffer up so that you are not the ones handling the payments directly.  Consider hiring a loan manager to deal with the payments and send any reminder notices, annual reports, and other documents. Having an outside person dealing with the everyday administration of the loan can help you have a more normal relationship with the borrower. A major factor in a successful private loan is your ability to maintain clear communication and honest transparency with the lender. The lender should make herself available to talk, and hear you out if you have run into temporary financial difficulty. The borrower has a responsibility to be direct and honest with the lender from the start and throughout.  If you are anticipating having problems making a payment, speak to the lender as soon as possible and be prepared to offer a sensible alternative. You might like to set up regular meetings or conversations so you can both keep track of the loan. This gives you a formal forum to discuss any issues and work together to find mutually beneficial solutions. If you run into financial difficulty, and are struggling to make the payments, you should be prepared to work hard to make accommodations which ensure the borrower gets repaid. Treat the loan as you would a loan from a bank, and work with the lender to come up with an alternative payment schedule.  This could mean increasing the duration of the loan from ten to fifteen years, or altering the repayment schedule so a greater proportion of the loan is paid off in later years. Remember that you have to make an offer that benefits the lender as well. If you’re asking for a significant extension to the duration of the loan, be prepared to marginally increase the rate of interest. A big part of treating the loan as a professional agreement is keeping it isolated from your day-to-day interactions. Try to avoid talking about the loan at family occasions or when socialising. Keep it something you discuss at specific times, and try to contain it. This will be a lot easier if all the agreements are clear, and everybody is sticking to them.
Summary:
Repay the loan as agreed. Keep the lines of communication open. Be open to restructuring. Keep the loan separate from your relationship.