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Saturday, 3 March 2018

21 Corgi Posts That Will Make You Let Out A High-Pitched Squeal

“A corgi leading a conga line of pugs on an adventure.”

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How to Lower Debt Payments

If you are having trouble keeping up with your debt payments, there are steps you can take. By finding ways to lower your interest rate, consolidating your debts, and reducing your balance overall you can lower the amount you pay each month. You might also opt to work with a credit counselor. Ultimately, the best way to lower your payments is to slowly-but-surely get out of debt. Hopefully, by obtaining lower monthly payments, this can happen more easily.

EditSteps

EditLowering Your Interest Rates

  1. Call your credit card companies and ask if they can lower your interest rates. In some cases, obtaining a lower interest rate is as easy as calling your credit card company and asking for one. Be sure to make your monthly payments steadily and consistently for 6 months to 1 year before requesting a lower interest rate.[1]
    Lower Debt Payments Step 1.jpg
    • You might say, “Since I have been consistent with my payments for 8 months now, I was wondering if you’d be able to offer a better rate.”
    • Apply for a different card at a lower rate. If you are approved, see if your credit card company can match that rate.
    • Keep asking! You credit card company might not agree the first time you ask.
  2. Transfer your credit card balance to a lower interest card. Seek out a new credit card that can accept a transfer from an existing credit card (sometimes called a balance transfer credit card).[2] For best results:
    Lower Debt Payments Step 2.jpg
    • Look for 0% or low APR rates. This will usually be an introductory rate, but it will allow you to pay off some of your debt without interest.
    • Look for the longest introductory rate period you can find.
    • Make sure you know what the rate is after the introductory period ends.
  3. Consider student loan consolidation if you have multiple student loan payments. Call each of your student loan providers to figure out the exact amount you owe, the interest rate you are charged, and your minimum monthly payment. Once you’ve compiled this info, contact a consolidation loan provider to find out if you qualify for a better loan.[3]
    Lower Debt Payments Step 3.jpg
    • If you have federal student loans, contact the Department of Education.
    • If you have private loans, you might contact Chase, NextStudent, Student Loan Network, or Wells Fargo.

EditLowering Your Balance Overall

  1. Reduce your credit spending. You will not be able to reduce your payments if you continue to accumulate more debt. Figure out a budget you can stick to, and avoid using credit credit cards, taking out loans, or taking on any other form of debt.[4]
    Lower Debt Payments Step 4.jpg
    • Take some time to track your spending habits, so you can see where your money is going.
    • Try hard to to stick to your budget and avoid living beyond your means.
    • Limit how often you eat at restaurants. Prepare meals ahead of time and bring your own lunch.
    • Limit superfluous expenditures. Consider cancelling streaming services or moving to a lower data plan on your phone.
    • Avoid making any large purchases until you can successfully reduce your debt.
  2. Work out a long-term repayment plan. Contact each of your credit card companies and/or loan providers and ask if you can work out a new repayment plan. Doing this may help you avoid late fees and default, while lowering your monthly payment.[5]
    Lower Debt Payments Step 5.jpg
    • You might say, “I am no longer able to make these payments successfully. I would like to create a new repayment plan, so that I don’t fall behind.”
    • Many creditors offer special plans for individuals experiencing economic hardship.
    • Sometimes these plans will require you to close your account.
  3. Make larger payments now. Although it may seem counterintuitive, paying more now will allow you to have lower payments later. If it all possible, try paying more than the minimum amount due.[6]
    Lower Debt Payments Step 6.jpg
  4. Use the “waterfall method” of debt repayment. The best way to lower your monthly payments is to reduce what you owe overall. One method for getting out of debt involves prioritizing your highest interest debt. To do this, figure out which of your debts holds the highest interest rate. Pay only the minimum monthly amount on all of your other debts, and put as much money as you can toward your highest interest debt, until it is paid off.[7]
    Lower Debt Payments Step 7.jpg
    • Once your highest-interest debt is paid off, move on to the debt with the next highest interest rate.

EditFinding and Working with a Debt Counselor

  1. Look for a credit counselor. You might find credit counselors by contacting your credit union, local housing authority, military base, or university.[8] You can also ask for suggestions from family or friends.
    Lower Debt Payments Step 8.jpg
    • Ask for a description of services before signing up with a counselor.
  2. Discuss debt consolidation. Talk to your counselor about ways you can consolidate your debt. This process involves totaling up the sum of your debts and taking out a loan to pay all of them off at once. By doing this, you will only have 1 monthly payment.[9]
    Lower Debt Payments Step 9.jpg
    • You might try to get a personal loan from a credit union or bank.
    • You might roll your debts onto a credit card using a balance transfer.
    • You might try to get a secured loan, such as a Home Equity Line of Credit (HELOC).
  3. Ask about debt management plans. Through your credit counselor, you may be able to enroll in a debt management plan. A debt management plan means that you pay your credit counselor 1 monthly fee, and they distribute that money to the various creditors you owe. In a debt management plan, your counselor will negotiate with your creditors to get the best interest rate possible.[10]
    Lower Debt Payments Step 10.jpg
    • It can take multiple years to complete a debt management plan. During this time, you must make regular monthly payments.
    • If you miss payments, your creditors can choose to discontinue the plan.

EditSources and Citations


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How to Get Kool Aid out of Hair

Kool-Aid can be a safe, cheap option for experimenting with hair color, creating bright highlights, or dip-dyeing your tips. It can also be a pain to fade or rinse out of your hair. Depending on how often you wash your hair, the color should fade on its own within 2-3 weeks, but if you want to remove it before then, there are 2 techniques that can speed up the process. Baking soda is the main ingredient that will help strip the color more quickly, whether dissolved into hot water for a soaking solution, or mixed with shampoo to form a paste.[1]

EditSteps

EditSoaking with Hot Water and Baking Soda

  1. Boil a pot of water and pour it into a container or small tub. Fill the pot with enough water to dunk your hair into. Heat it on the stove until it’s boiling, then remove it from the heat. Pour the hot water into a glass bowl, plastic tub, or container large enough to hold it.[2]
    Get Kool Aid out of Hair Step 1 Version 2.jpg
    • Dyed tips will probably only need around 4 cups of water, while larger sections of hair may require more.
    • This technique works best with dip-dyed or grown-out hair, rather than hair with color close to the roots.
    • Be extra cautious when working with hot water. Avoid sloshing or splashing the water to prevent burns.
  2. Stir in of baking powder until it’s dissolved. Use a measuring spoon to measure out the baking powder and stir it into the hot water until the 2 ingredients combine completely. The mixture may fizz when you do this, which is completely normal, so don’t be alarmed![3]
    Get Kool Aid out of Hair Step 2 Version 2.jpg
  3. Soak your Kool-Aid-dyed hair in the water for 30 seconds. Place the dyed sections of your hair into the water. In seconds, you should start to see the color coming off of the hair. By the end of the 30 seconds, the water should be the color of the Kool-Aid, and your hair should be faded back to its natural color.[4]
    Get Kool Aid out of Hair Step 3 Version 2.jpg
    • This method is extremely drying for your hair, so make sure you only soak for 30 seconds or less.
  4. Dump the water and wash your hair in the shower. Pour the baking soda water into the sink and immediately rinse the sink out. Wash your hair in the shower with shampoo and warm water. After the shower, you should be able to tell that the Kool-Aid has significantly faded.
    Get Kool Aid out of Hair Step 4 Version 2.jpg
    • Use a moisturizing shampoo because baking soda is drying.
  5. Use a deep conditioning treatment to restore your hair’s moisture. This method is very drying and strips your hair of its natural moisture. Always work a conditioning product into your hair afterwards, such as a deep conditioner or a conditioning mask. Let the product soak in for 15-30 minutes, then rinse it out completely with cool water to seal the cuticle.[5]
    Get Kool Aid out of Hair Step 5 Version 2.jpg
  6. Repeat the next day if the first round didn’t remove all of the color. Lighter hair colors tend to hold onto dye, especially vivid colors like Kool-Aid. Your hair may need a second round to completely remove all of the Kool-Aid dye, so repeat the same process the next day and make sure to moisturize well after each soak.
    Get Kool Aid out of Hair Step 6 Version 2.jpg

EditMaking a Paste with Shampoo and Baking Soda

  1. Mix equal parts baking soda and shampoo together to form a paste. In a plastic or glass bowl, stir together baking soda and shampoo in a 1:1 ratio. To ensure you make enough to cover your dyed hair, measure out the amount of shampoo you would normally use in the shower and then add the same amount of baking soda.[6]
    Get Kool Aid out of Hair Step 7 Version 2.jpg
    • Anti-dandruff shampoo is said to work best because of its high pH, which fades hair dye. However, you can also use a clarifying shampoo instead.[7]
  2. Take the paste into the shower and wet your hair. Using the paste in the shower will make it easier to apply without worrying about making a mess. Set the paste aside while you soak your hair with warm water.
    Get Kool Aid out of Hair Step 8 Version 2.jpg
  3. Work the paste into your wet hair until it lathers. Scoop some paste into your hand and start working into the hair where the dye starts. Use your fingers to work the paste down toward the tips, adding in more paste as needed, until you’ve covered the entire dyed section of hair.[8] You don’t need to apply the paste to your natural hair, just the Kool-Aid sections.
    Get Kool Aid out of Hair Step 9 Version 2.jpg
    • If your color starts at the roots, make sure to start working the paste in at the roots and work all the way down to the tips of your hair.
    • If only your tips are dyed, start applying the paste an inch or two above the dyed section to make sure you don’t miss any of the color.
    • Unlike the hot water and baking soda method above, this method is safer to use on the scalp.
  4. Let the mixture sit for 2-3 minutes. Set a timer or have someone else set a timer for you so you don’t accidentally leave the paste into for too long. Stay in the shower while you wait, and either turn off the water or keep your hair away from the water.
    Get Kool Aid out of Hair Step 10 Version 2.jpg
  5. Rinse the paste out with hot water. Once the time is up, rinse the paste out in the shower. Use the hottest water you can tolerate to help draw out the color and keep rinsing until all of the paste has been washed out.[9]
    Get Kool Aid out of Hair Step 11 Version 2.jpg
  6. Apply a deep-conditioning treatment to rehydrate your hair. This method is also drying, so remember to always deep-condition after rinsing out the paste. Work a deep conditioner through your strands, focusing on the tips.[10] Let it soak in for 15-30 minutes, then rinse it out with warm water.[11]
    Get Kool Aid out of Hair Step 12 Version 2.jpg
    • Be sure to rinse your hair with cool water to seal the cuticles.
  7. Repeat the process once a day for up to 2-3 days. After 1 round of this treatment, the Kool-Aid color should be significantly faded. However, it may take several repeat washes to completely remove the dye. Use the paste once a day for several days, deep-conditioning after each wash to replenish and re-hydrate your hair.[12]
    Get Kool Aid out of Hair Step 13 Version 2.jpg

EditReplenishing Your Hair’s Moisture

  1. Use a deep conditioning treatment after using any color-fading methods. Because any technique that strips color from your hair is drying, you’ll likely notice dryness, brittleness, or split ends in your hair afterwards. Deep-conditioning will give your hair an instant infusion of nutrients and restore some of the moisture stripped by the treatments.[13]
    Get Kool Aid out of Hair Step 14 Version 2.jpg
    • You can either buy a conditioning product or make your own with castor oil.
    • Focus the deep conditioner on the ends of your hair, which will likely be the most brittle.[14]
  2. Use a moisturizing mask once a week to keep your hair hydrated. Your hair will still need extra care and moisture in the weeks following color removal. Once a week, apply a moisturizing hair mask to your whole head and leave it on for the directed amount of time, then gently rinse it out with warm water.
    Get Kool Aid out of Hair Step 15 Version 2.jpg
    • You can either purchase hair masks or make your own with ingredients like yogurt, honey, and olive oil.[15]
  3. Avoid hot styling tools until your hair is healthy again. To keep from damaging your hair further, try not to use hot tools like curling irons, straighteners, and blow dryers. Wait until you’ve been using moisturizing treatments for a few weeks and your hair feels strong and healthy enough to handle heat.
    Get Kool Aid out of Hair Step 16 Version 2.jpg
  4. Shampoo every 2-3 days to let your hair restore its natural oils. Since your hair will be dry and brittle after these color-removing treatments, you’ll need to give it a break from shampoo as well. Use a gentle, sulfate-free shampoo to clean your hair once every 2-3 days. In between, your hair will have time to regain its natural sebum, which makes it healthy and shiny.[16]
    Get Kool Aid out of Hair Step 17 Version 2.jpg
    • If your hair feels extremely brittle, just give it a quick rinse and apply conditioner to the ends.
  5. Wait 4 weeks before dyeing your hair again. Since Kool-Aid isn’t a permanent, chemical-heavy hair dye, you won’t need to wait too long before dyeing your hair again. Waiting 4 weeks should give your hair time to strengthen and replenish its moisture, but you may need to wait an extra 1-2 weeks if your hair still feels dry.[17]
    Get Kool Aid out of Hair Step 18.jpg

EditThings You’ll Need

EditSoaking with Hot Water and Baking Soda

  • Pot
  • Water
  • Baking soda
  • Container or plastic tub
  • Deep conditioning treatment

EditMaking a Paste with Shampoo and Baking Soda

  • Anti-dandruff shampoo (or clarifying shampoo)
  • Small bowl
  • Deep conditioning treatment

EditReplenishing Your Hair’s Moisture

  • Deep conditioning treatments
  • Moisturizing hair masks
  • Sulfate-free shampoo

EditWarnings

  • Any technique used to strip dye will likely be very drying, so use them with caution! Don’t try these techniques if your hair is already dry and fragile or if you have a sensitive scalp.
  • Be extra careful not to scald yourself when rinsing with hot water.

EditRelated wikiHows

EditSources and Citations


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Friday, 2 March 2018

How to Enable Twitter Alerts

Twitter alerts are tweets that contain public safety warnings and evacuation instructions from selected public agencies and emergency organizations during a crisis or emergency situation. When you enable this feature, alerts will appear on your Twitter home timeline and mobile notification section. If you have the official Twitter app on your phone, you will receive alerts as push notifications.

EditSteps

  1. Login to Twitter. Go to twitter.com in your web browser and sign in with your account.
    Log in to Twitter; page.png
  2. Navigate to an organization's profile. Open an emergency organization's Twitter profile from which you wish to receive alerts. Example include:
    Federal Emergency Management Agency Twitter.png
  3. Move to the Alerts section, under the bio. Click on the Be prepared link.
    Twitter Alerts.png
  4. Turn on the Twitter alerts. Click the button.
    Enable Twitter Alerts.png
    • To stop alerts for a specific organization, go to back their Alerts page (e.g: twitter.com/fema/alerts) and click the button.
  5. Finished. If you want to receive alerts via text messages to your mobile phone, activate Twitter text messaging with your phone number.
    Twitter; Alerts.png

EditRelated wikiHows

EditSources and Citations



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How to Paint Rocks with Acrylic Paint

Painting rocks with acrylic paint is a fun, inexpensive craft you can do with anyone. Make sure you have the right supplies — smooth rocks, brightly color acrylic paints, and a variety of brushes. Your rocks should be nice and clean before you start, so your paint adheres easily to the surface. You can practice your design before you start working on your rock. Make sure you use 1 brush per paint color and let the paint completely dry before you spray your rock with sealant.

EditSteps

EditChoosing and Cleaning Your Rocks

  1. Look for smooth rocks. A rock that has too many cracks or divots will be hard to paint. Look instead for rocks that have a smooth surface. You can find smooth rocks perfect for painting at home improvement stores with garden centers, landscaping supply stores, and craft stores. You can also take a walk in your neighborhood — you'll be surprised by what you can find![1]
    Paint Rocks with Acrylic Paint Step 1.jpg
    • If you're purchasing your rocks, make sure they have a natural finish. Some rocks will have a waxy finish on them, which makes it difficult for the paint to adhere. Rocks with a waxy finish will feel smooth and almost plastic-like.
  2. Choose rocks that are round. The rounder the rock, the prettier! It's also easier to draw out a complete design on a round rock with even edges.
    Paint Rocks with Acrylic Paint Step 2.jpg
  3. Look for rocks that are gray in color. Gray rocks will show your acrylic paint the best. They aren't so light that the paint colors will wash out, and they're not so dark that outlining your design is impossible.
    Paint Rocks with Acrylic Paint Step 3.jpg
  4. Wash dirt off of your rocks. This step is especially important if you found your rocks outside. Run your rocks under clear water until they look clean. You can wash them in your sink inside or outside with a garden hose.[2]

    • If there is stubborn dirt on your rocks, it might not come off just with water. Hold the rock under water and use either your hand or an old toothbrush to rub the dirt off.
    • Don't use soaps or solvents on your rocks — they can break down the structure of your rock.
  5. Let your rocks completely air dry. If your rocks aren't dry when you begin painting, the paint can run or lose some of its brightness. Once your rocks are clean, let them dry. If you can leave them outside in the sun, it should only take a few hours. Otherwise, let them dry overnight.
    Paint Rocks with Acrylic Paint Step 5.jpg

EditCreating a Design

  1. Choose simple designs. There isn't much room for detail when you're panting on a rock, so keep your design simple. Simple shapes, silhouettes, and patterns are best, especially when you're beginning. As you get more experienced, you can try more complicated designs.
    Paint Rocks with Acrylic Paint Step 6.jpg
    • For example, simple geometric shapes like hearts, stars, squares, circles, or triangles work well.
    • You can also combine simple shapes into a larger pattern. For example, you could begin with a ring along the edge of the rock, and move toward the center of the rock, creating a ring of circles, followed by a ring of hearts, and then another solid ring.
  2. Practice your design on paper. Draw a circle with the same circumference of your rock and then draw your design within that circle. This gives you the chance to perfect your design. Once you have the design down, decide which colors you'll paint the different parts of the design.

    • The colors you choose are up to you, but complementary colors often look best together. A complementary color is the one that appears on the opposite side of the color wheel from the first color you chose. You can also choose to go with all very bright, neon colors.
  3. Outline your design in chalk or pencil if you're using one. If you're working on a dark rock, use chalk for your outline. If you're working on a lighter rock, pencil will let you create more detail. Your design is totally up to you — you can create something abstract or an actual drawing.[3]

EditPainting Your Design

  1. Select brightly colored acrylic paints. Acrylic paints are long-lasting and thick, making them perfect for using on rocks. Make sure you choose bright colors. That way, even if you find or buy dark rocks, the paint will be easy to see.[4]
    Paint Rocks with Acrylic Paint Step 9.jpg
  2. Choose acrylic or watercolor brushes in a variety of shapes and sizes. Although you might find some variation in rock size, most will be pretty small. In order to get detail in your painting, you'll need small brushes. Look for brushes in a variety of shapes, too, especially round, rigger, and liner.[5]
    Paint Rocks with Acrylic Paint Step 10.jpg
    • The exact sizes will vary depending on the type of brush. For round brushes, look for sizes smaller than a 7. For rigger brushes, look for sizes smaller than a 2/0. For liner brushes, look for sizes smaller than 3/0.
  3. Pour your paint into a palette or on a plate. If you have a paint palette, squeeze out a quarter-sized amount of each paint color into its own section. If you're using a plate, make sure you leave about between each color so the colors don't bleed into each other.

    • If you do want to combine colors, make sure they're next to each other. Then use separate brush to scoop up each color and put 1 on top of the other on another plate or in the mixing section of your palette. Then use a third brush to mix the colors.
  4. Use 1 paintbrush per color. If you use just 1 paintbrush for the whole project, the brightness of the colors will be muted and you'll end up with mixed colors. Before you begin painting, look at your design and which colors you're using where. Use small, thin brushes for small detail work and larger brushes for larger areas. Assign your brushes by color.[6]
    Paint Rocks with Acrylic Paint Step 12.jpg
  5. Paint in your design. Exactly how you paint in your design is up to you. You can paint by color — painting everything that's the same color before moving on to the next color. Or you can paint by design — beginning at the top (or the side) and changing your brush and paint color as you move through the design.[7]

    • If you're using a lot of 1 color, let that color dry before you continue. That way you avoid smearing any paint.

EditSigning and Sealing Your Rocks

  1. Let your rocks dry. Once you're done painting your rocks, let them dry completely. Depending on how much paint you've used and how intricate your design is, this can take anywhere from a few hours to overnight.[8]
    Paint Rocks with Acrylic Paint Step 14.jpg
    • To test your paint, use the tip of your finger to gently touch the paint. If paint comes away on your finger, it's not dry yet.
  2. Sign your rocks. Once your rocks are dry, you'll want to sign them, particularly if you're selling them. Use a thin brush and black paint to sign the bottom of your rock. You can also add the date and/or a hashtag that you can then use on your social media accounts.

    • If you're selling your rocks or participating in the hiding-and-finding rock painting community, consider adding a label to your rock. Print out labels with contact information for your rock painting community and instructions for the finder. Then apply a layer of Mod Podge to the rock, stick on the label, and cover with Mod Podge.
  3. Seal your rocks in a well-ventilated area. Once all of the paint is dry, spray your rocks with sealant. Make sure you spray them in a well-ventilated area since the sealant can irritate your nose and lungs. Then let them dry according to the instructions on the can of sealant.[9]

    • You can choose shiny or matte finishes. If you're planning on leaving your rocks outdoors, look for a sealant made specifically for use outside.
    • Depending on the size of your rocks, the sealant will take an hour up to overnight to dry.
  4. Display your rocks. Once your rocks are finished, there are plenty of places you can display them. Indoors on shelves or tables or outdoors in your garden or potted plants are great places to display your rocks. If you're part of the rock painting community in your area, you can also hide your rocks in nearby parks and public places so other people can find them!
    Paint Rocks with Acrylic Paint Step 17.jpg
    • You can also post pictures of your rocks on your social media accounts.

EditTips

  • If you're painting your rock all 1 base color before you begin on your larger design, paint 1 side, then let it dry. Once 1 side is dry, flip it over and paint the rest of the rock.

EditThings You'll Need

  • Smooth rocks
  • Acrylic paint
  • Variety of paint brushes
  • Pencil or chalk for outlining
  • Black pens for detail outlining
  • Sealant

EditSources and Citations


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