Problem: Article: Rushing to get somewhere can make you nervous and anxious. Instead, you can relax when driving if you make sure that you leave in enough time to arrive at your destination without rushing.  Allow time for accidents, traffic, detours, and other unexpected events that might make you late. Plan your route in advance so that you don’t lose time trying to figure out which way to go. Preparing your car for your drive before you get behind the wheel can help you relax when driving. Before you get in, make sure that you have adjusted your controls and set the car up for your drive.  Position your seat in a comfortable position. You should be able to sit in the driver’s seat comfortably and still easily reach the pedals and steering wheel. Adjust your rearview and side mirrors so that you can see everything around you and don’t have to worry about adjusting them while you are driving. If you are using GPS, go ahead and set your location and put the device somewhere that you can easily see it while driving. Adjust any other controls or settings, like temperature, beforehand so that you can focus on driving once you get started. Some research suggests that listening to classical, pop, or other downbeat music while you are driving can calm you down. So turn off the rock and rap and put on some pop or R&B to relax when you are driving.  Listening to more fast tempo music like rock can cause you to drive faster and get upset easier. Try to set your radio station or music before you start driving so that you aren’t distracted while you are driving. The distractions of alarms, alerts, and notifications can distract you and cause you to become tense while you are driving. To be safe and to relax when you are driving, put your electronic on silent or at least out of reach.  You can lose focus on driving as you try to see who is contacting you or become anxious as the beeps and tones continue to go off. Some phones and phone services have a ‘driving mode’ that can be used while you are driving to reduce your distractions. If you need to, put your phone somewhere that you can’t reach it so you won’t be tempted to check it. Having a conversation about ways to help you stay calm when you are driving can eliminate some of the stress passengers can add to driving. Let your passengers know that you want to be relaxed while you are driving and tell them what they can do to help.  Ask your passengers to wear their seatbelt, try to be still, and talk calmly to you. For example, you could say, “While I’m driving please don’t yell at me or try to get things out of the backseat. It makes me nervous.” Talk to children about how they should behave when they are passengers in a car. You might say, “Kids, you should sit back, stay in your seatbelt, talk quietly, and no horseplay. This will keep you safe and me relaxed.”
Summary: Give yourself plenty of time. Set up your car. Turn on relaxing music. Put your electronic devices away. Talk to your passengers.

Problem: Article: The day-count convention (DCC) determines how the day-count fraction (DCF) is found when calculating accrued interest. The day-count convention on your bond is defined in the accompanying indenture (contract).  For example, 30 days in a month and 360 days in a year would mean a DCC of 30/360. Other bonds, especially U.S. government (Treasury) bonds,  calculate interest using the exact number of days in a month and year. Such a DCC is  sometimes referred to as "actual/actual" or "ACT/ACT."  In practice, bonds can also use a combination of these two DCCs, with such possible DCCs as 30/ACT and ACT/360. In practical terms, the convention used will make very little difference in terms of interest earned. Double-check your bond indenture to be sure. Your interest rate, also called the the coupon rate, specifies the amount of interest you earn on the bond annually as a percentage of your par (or "face") value. The payment frequency signifies whether your bond pays interest once a year or more often. Bonds typically pay interest either annually or semi-annually (once or twice per year).  This information can be found within your bond indenture. For example, your bond might pay a 6% coupon rate twice per year. In this case, the annual interest rate would be 6% divided by the number of payments within the year. Thus, a 6% bond that pays interest twice per year would effectively pay 3% of the par value for each of the two payments during the year, or 6% total. Search your records to see when your bond made its latest coupon payment. This information is available from the financial institution that sold you the bond. This will depend on your DCC, as the passage of days is calculated differently in each type of bond. Generally, if your bond is actual/actual, you will actually count the days. If your bond is 30/360, you would use those numbers for each month or year that has passed.   Let's say you have a 30/360 bond, and exactly two months have passed since your latest payment. You would simply multiply 2 x 30 and use 60 days in your calculations, regardless of how many days there actually were in the elapsed months. This is the amount paid to the holder of the bond at maturity (when the interest payments stop).  This will be stated clearly on your bond indenture.  Note that the par value may be more or less than what you actually paid for the bond originally. Market price is affected by the existing rate environment and the bond issuer's creditworthiness.   Bonds are often valued at $1000. That would be the par value even if you paid slightly more or less for it.
Summary:
Determine the day-count convention on your bond. Confirm the interest rate and payment frequency on your bond. Find when the most recent coupon payment was made. Calculate how many days have passed since the most recent coupon-paying day. Confirm the face or par value of your bond.