How to Write a Payment Agreement

A payment agreement, also referred to as a promissory note, is an agreement that sets forth the terms of a loan and its repayment. If you are considering borrowing or lending money from someone you know, you should draft a promissory note. This note explains the conditions of the loan, the interest amount, the parties involved in the loan, and when the loan is to be repaid. By having the agreement in writing and notarized, you ensure that all of the parties to the loan are in agreement.

EditSteps

EditDrafting a Legally Enforceable Agreement

1. Agree to the terms of the promissory note. You should meet with the other party to the loan and discuss the potential terms of the promissory note. Both parties must come to a final agreement about the terms of the loan in order for the contract to be enforceable.
2. Include all of the requirements for an enforceable agreement. In order for a contract or payment agreement to be enforceable under the law, there must be an offer of terms and an acceptance of terms by parties to agreement.
   • An offer can come from the borrower, who agrees to certain repayment options and the acceptance may come from the lender when they provide the borrower with the funds. This agreement should be set forth in a written and signed agreement, as discussed below.^[1]
   • In addition to an offer and acceptance, there must be consideration or value in the agreement. For a promissory note, consideration for the promisor or borrower is in the form of the loan and consideration for the lender or promisee is in the promise of the promisor to repay the loan.^[2]
3. Put the terms in writing. Regardless of the size of the loan, you should draft a written agreement outlining all of the terms for the loan. While some states may not require a written promissory note for small loan amounts, you should still commit your agreement to paper. This prevents people for saying that you made a gift of the money or trying to change the terms at a later date.^[3] You should check your state’s laws for a promissory note, but generally your written agreement should include the following:
   • Full name and address of the lender (also referred to as the promisee or payee).
   • Full name, address and phone number of the borrower (also referred to as the promisor or maker).
   • The amount of the loan and the date the money is given to the promisor.
   • The amount of interest being charged, if applicable.
   • The interest rate or penalty for late payment, if applicable.
   • The date by which the loan must be paid.
   • The method of repayment and the amounts. For example, if a promisor is making monthly payments, specify when the monthly payment is due and the amount of the payment, including any interest.
   • The date of the promissory note.
   • The signature of both parties. ^[4]
   • You can find a list of state-by-state laws regarding promissory notes at: http://ift.tt/23ySqwU. Look for your state under the heading “Article 3,” which is related to promissory notes.
   • You can review a sample promissory note at: http://ift.tt/1VP4XXx.
4. Sign and notarize the document. Both parties should sign the document in front of a notary. Failure to do so may make the agreement difficult to enforce should the promisor fail to repay the loan. ^[5]

EditEnforcing a Payment Agreement

1. Contact the maker if they miss a payment. If the maker/promisor misses a payment, you should contact them. You can call them or send them an email to discuss what happened and when they expect to send you the payment.
   • There may be any number of reasons why they were late or missed a payment. By contacting them, you make your expectations known and they have a chance to set up an alternate date of payment.
2. Draft a demand letter. If the promisor does not respond after multiple attempts to contact them, it may be necessary for you to draft a demand letter. This is particularly important if they failed to make more than one payment. A demand letter formally notifies the promisor of their failure to pay and sets forth your demand for repayment. This may include a demand for a full repayment of the loan by a certain date. Your demand letter should include the following information:
   • Your name and address and the name and address of the promisor.
   • That you are the holder of the promissory note.
   • The date of the promissory note and the amount of the promissory note.
   • A statement demanding repayment of the loan, including any interest and penalties as set forth in the promissory note.
   • The date the payment is due.
   • A request that they contact you to discuss the repayment process.
   • A statement that explains that if the promisor fails to contact you regarding repayment, you will begin legal collection proceedings.
   • The letter should be dated and you should include your name and signature.
   • Check your state laws regarding promissory notes to ensure that you are complying with any repayment demands.
   • You should send the letter via certified mail, return receipt requested. ^[6]
   • You can view a sample demand letter at: http://ift.tt/20smlbd.
3. File a lawsuit. If the promisor refuses to meet their obligations under the promissory note, you can file a lawsuit to have the promissory note enforced. While filing a lawsuit may help you get your money back, it may also do irreparable damage to your relationship. If you decide to go forward with the lawsuit, you should determine whether your lawsuit must be filed in small claims court or civil court.
   • For small claims court, the amount in owed to you must be below a certain threshold for it to qualify as a small claim. You can view a state-by-state guide for small claims amounts here: http://ift.tt/1awu91T.
   • If you must file your lawsuit in civil court, you should consider hiring an experienced contracts attorney to handle your case.
4. Have judgment enforced. Once the court makes a judgment in favor of the lender, you can request that it be enforced in several ways.
   • The court can require immediate repayment of the funds.
   • The court can require that the promisor’s wages be garnished, which means a certain amount is taken directly from the promisor’s paycheck and delivered to you.
   • You can request that the promisor’s bank accounts be frozen and that the promisor’s bank use those funds to pay the judgment.
   • You can also request a lien against the promisor’s real estate.^[7]

EditDeciding Whether to Make a Loan and How to Protect Your Resources

1. Decide whether to make a loan. Some payment agreements require additional thought about whether to lend the money before anyone drafts the actual agreement. It can be a difficult to decide whether to loan money to a friend or family member, especially when that person is facing a financial crisis. When deciding whether to loan money, consider the following:
   • How important is it for you to be repaid and can you afford to make the loan? Loaning money to someone you know can put a serious strain on your relationship. If they are unable or refuse to repay the loan you will have to weigh the importance of the relationship against your need or desire for repayment.
   • If you have the financial means and you do not want to strain the relationship, you could consider making a gift rather than loaning the money. It may be that the person chooses to repay you at a later date, but since it’s a gift you are never concerned about repayment.
   • If you agree to a loan, you should put the terms of the loan in writing. This ensures that both parties understand the expectations of the agreement.^[8]
2. Discuss the parameters of the loan. Once you have decided to loan or borrow money, you need to sit down with the other party to the agreement and discuss the terms of the loan.
   • If you are borrowing money, be honest about your financial situation and when you can reasonably expect to begin repaying the loan.
   • If you are lending money, set a hard limit on the amount that you are willing to lend and when you need the money repaid.
   • If both parties state their needs and concerns, it is less likely that either party will resent the other party to the agreement.
3. Consider adding interest to the loan. Both parties should discuss adding interest to the loan. While it may initially seem like you are being greedy for suggesting that interest be added to the loan, if you are lending a large amount of money with a lengthy repayment schedule, the lender is actually losing money by giving an interest-free loan. You could always charge the same rate of interest that the lender would have received if the money was in a savings account. It is less important to charge an interest rate for small loan amounts.^[9]
4. Establish a repayment schedule. It is very important to agree to a repayment schedule that works for both parties. This will minimize resentment and tension regarding the borrowed money.^[10]
   • If you are borrowing money, do not overestimate how quickly you can repay the loan. Create a budget and plan how and when you can reasonably make the loan repayments.
   • If you are lending money, determine how quickly you need the money back and whether you can make an extended loan so that the borrower has an easier time repaying you.
   • You can calculate repayment schedules and interest using a loan calculator at: http://ift.tt/1lksfDn.

EditTips

• If your dealing with a large sum of money, you should consider hiring an attorney, at least to review your agreement and ensure that it is enforceable in court.

EditRelated wikiHows

• Write a Legal Contract
• Borrow Money From a Friend
• Lend Money to a Friend

EditSources and Citations

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from How to of the Day http://ift.tt/20smlYO

How to Use Mulethi

Mulethi, more commonly known as licorice, is both a popular herbal supplement used to treat a variety of medical conditions, and an ingredient long popular in Asian and Middle Eastern cooking. Whether taken orally or used topically it has a variety of health benefits, some of which are traditional and some clinically proven, so long as it is taken in small doses for short periods of time. As an ingredient, it adds an herby anise and fennel flavor that work well in drinks, sweets, and savories alike.

EditSteps

EditTaking Mulethi Orally to Treat Medical Conditions

1. Ingest mulethi to treat a variety of ailments. Mulethi, or licorice, has traditionally been used for arthritis, stomach ailments, and overly oily hair. In addition, it has been clinically show to have some effectiveness for:^[1][2]
   • Heartburn
   • The skin condition eczema
   • Low blood pressure
   • Addison's disease (suppressed adrenal gland functioning)
   • Maintaining blood potassium levels for people undergoing dialysis
   • Increased fertility in women with polycystic ovary syndrome
   • Sore throats and mouth sores
   • Reducing body fat
   • Prostate, breast, colon, liver and lung cancer
   • Ulcers^[3]
   • Immune disorders^[4]
2. Gargle with a mulethi solution to treat sores and bad breath. Combined 1 tsp (5ml) or mulethi powder in 8 oz. (250ml) of lukewarm water and stir until the powder is completely dissolved.^[5]
   • Gargle this solution four to five times a day to help soothe and heal mouth sores. When used for mouth sores, this solution should not be swallowed.^[6]
   • Similarly, gargling a solution made with 1/4 cup (60 ml) warm water and 1/2 tsp (2.5 ml) mulethi extract can help reduce or eliminate bad breath.
3. Drink mulethi tea for coughs, sore throat, stomach complaints or menstrual cramps. Combine 1 Tbsp (15 ml) of crushed mulethi root with 2 cups (500 ml) of water in a small saucepan. Simmer the mixture on your stove over low heat for 15-20 minutes.^[7] Filter before drinking.
   
   • Drink the tea while still warm to help treat a cold, cough, or upper respiratory infection.
   • Consume the tea once a day for a month to help heal acid reflux and peptic ulcers.
   • To maximize the benefits of mulethi tea during menstruation, take it once a day starting three days before menstruation.
4. Combine mulethi tea with other herbs to heighten effectiveness. Mulethi is believed to help increase the effectiveness of many other herbs when consumed simultaneously. You can blend mulethi with certain other herbal teas, and the conditions those teas may treat can become even more beneficial.
   
   • Combine a ¼ cup of mulethi root with a 1-inch (2.5-cm) piece of ginger (sliced) and 2 quarts (2000 ml) of water. Bring to a boil, then lower heat and simmer for 10 minutes. Strain and drink while still warm. This particular blend can be used to treat colds, sore throat, and indigestion.^[8]
   • Combine equal parts mulethi, chamomile, and peppermint. Use this mixture in a one-to-five ratio of herbs-to-water and steep over low heat for 10 minutes. Strain and drink as a way of treating indigestion and heartburn.^[9]
5. Chew on a piece of mulethi to soothe a sore throat or fight bad breath. Cut off a piece of raw licorice and chew on it for 5 to 15 minutes.
   • Licorice both numbs the throat and acts as a demulcent, coating your throat in a thin layer of mucus that soothes it.^[10]
   • Licorice contains anti-bacterial compounds that fight the bacteria that cause cavities and bad breath.^[11]
6. Take licorice supplements for a variety of conditions. While teas and rinses are preferred for sore throats, mouth ailments, and indigestion due to their soothing effects, other conditions are best addressed by taking supplements in pill or extract form. Licorice supplements have anti-inflammatory, antioxidant, and antiviral effects that make them effective at treating low blood pressure, Addison's disease, infertility due to polycystic ovary syndrome, ulcers, indigestion, cancer (as a supplement), and immune disorders.
   • Use DGL (Deglycyrrhizinated Licorice) if possible. It lacks the chemical glycyrrhizin, which can cause high blood pressure and muscle weakness.^[12]
   • The correct dose of non-DGL licorice is 2mg per kg of weight per day.
   • WARNING: If your licorice is not DGL, do not take more than 100mg/day – approximately 1 ml of extract. Licorice overdose results in an excess of the hormone aldosterone, which can lead to muscle weakness, headaches, and high blood pressure.
7. Be sure your licorice product contains actual licorice. In the U.S., it is common to use anise oil instead of licorice in many "licorice" products.^[13]

EditUsing Mulethi Topically for Skin Ailments

1. Note which conditions topical treatment might help. The topical application of mulethi is typically used to treat various skin conditions like eczema, but it can also be used to combat internal conditions with external manifestations (like cold sores), to improve one's overall energy, to treat melasma and lighten skin, and even to reduce the thickness of subcutaneous fat.
2. Make a mulethi root salve. Place 2 tbsp (30 ml) of mulethi root in 6 cups (1500 ml) of water. Let it simmer over medium-low heat on the stove for 40 minutes. Strain and allow to cool.^[14] You can apply the resulting salve directly to the skin with a cotton pad.
   
   • Apply the licorice salve directly to irritated skin such as a rash or eczema.^[15]
   • Dab the salve on dark patches of skin once a day before bed to treat melasma.^[16]
   • Rub the salve on thighs, arms, or other areas with cellulite to reduce the thickness of subcutaneous fat.^[17]
3. Soak in a mild mulethi solution to reduce fatigue and treat low blood pressure. Combine 3/4 cup (180 ml) crushed mulethi root and 4 cups (1 L) of warm water. Allow the mixture to rest for two to three hours, then boil it for 5 minutes. Mix the still hot solution into your bathwater and soak for 20-30 minutes.^[18]
   
4. Make a paste with mulethi powder to fight acne, hair loss, or calluses. Purchase licorice powder, or grind down enough dried mulethi root to produce 1 Tbsp (15 ml). Combine this with 1/2 to 1 cup (125 to 250 ml) of cold milk, stirring well to form a thin paste.^[19]
   
   • Add 1 tsp of honey to help fight acne. Honey has proven antimicrobial and healing properties.^[20]
   • Add 1/4 tsp (1.25 ml) of saffron to this paste and apply it to your scalp to help fight against hair loss.
   • Add 1 tsp (5 ml) of olive oil instead of milk for a paste that will help to soften corns and calluses.
5. Use mulethi extract for cold sores or genital herpes. You can use the extract much as you would the paste or salve. However, it is better for more focused applications, like cold sores. If you are going to used it over a broad area of skin, consider first diluting the extract.
   
   • The glycyrrhizin in licorice extract has been shown to stop the reproduction of the virus that causes cold sores and genital herpes. Apply it directly to the sores twice a day.^[21]

EditCooking with Mulethi

1. Use mulethi to add flavor to a variety of dishes. Licorice, whether in root form or as a powder, can add notes of fennel and anise to any dish. You can use it for sweets, savories, sauces, and more.
2. Make licorice syrup. A syrup made using boiled licorice roots can be poured over ice cream, cookies, or any other dessert to add a sweet licorice flavor. To make the syrup:^[22]
   • Peel and chop the root.
   • Place in a pot, cover with water, and simmer for at least an hour.
   • Add sugar – ¼ cup sugar per 4 cups of liquid. Bring to a simmer until sugar dissolves.
   • Put in jars while still very hot.
3. Steep licorice roots to add flavor to teas, syrups, sauces, and custards. Add the root to the tea, syrup, sauce, or custard you are preparing and heat. Let it steep for at least 10 minutes – the longer the more intense the flavor. Remove the root before serving.^[23]
4. Add flavor to sugar or salt cures. Licorice roots can be used a lot like vanilla pods to add subtle flavor to dried goods. Bury some in your sugar jar, or add the roots to salt and use it in cookies and puddings, or sprinkled on seafood, roasted carrots, or sweet potatoes.^[24]
5. Flavor your coffee with licorice. You can simply use a licorice root to stir your coffee (for a stronger flavor let it steep for a bit). Or for an even more powerful taste, add a dash of licorice powder to your cup of joe.^[25]
6. Include a pinch of powdered licorice in savory dishes. You can add powdered licorice straight to recipes. It works particularly well in meat rubs, and pairs well with pigeon, duck, quail, pork, and lamb.^[26]
7. Let licorice stand out in sweets. Licorice is a powerful flavor, so you'll want to make it the star ingredient in sweets. Try stirring it into batters or custards, or creating dishes that let it shine, like licorice ice cream or licorice panna cotta.^[27]
   • For a list of some great licorice-flavored sweets, check out http://ift.tt/1SIlCwz.

EditWarnings

• Licorice interacts with many medications. Always consult your doctor before taking mulethi for medicinal purposes.^[28]
• Do not take mulethi for more than four weeks unless instructed otherwise by your doctor. Consuming 100mg or more for prolonged periods can drastically increase blood pressure and lower potassium levels in otherwise healthy people. If you suffer from heart disease, kidney disease, or high blood pressure, even small amounts can cause complications.^[29]
• Do not take mulethi during pregnancy. High consumption can cause miscarriage or early delivery. Little is known about the effects of mulethi during nursing, so it is recommended that you avoid it during this stage, as well.
• Stop taking mulethi at least two weeks before a scheduled surgery since it can affect your body's blood pressure control.

EditRelated wikiHows

• How to Use Herbal Supplements Safely

EditSources and Citations

EditMETHODS

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from How to of the Day http://ift.tt/1SIlE7s

How to Collect Oysters

Oysters are one of the easiest types of seafood to harvest. Since they grow in reefs that can become quite large, oysters are easy to find. Once you find a reef, you won’t need any special equipment to remove and collect them. However, before you go harvesting, you should learn about and follow all regulations, and get a shellfish license, if required. These guidelines are intended to protect your health and safety as well as oyster populations.

EditSteps

EditCollecting

1. Harvest during legal seasons. Legal harvesting of oysters must take place during approved times of year. Your state or other legislating bodies may set seasons for harvesting oysters.^[1][2][3] Your local department of natural resources or fish and wildlife management agency will publicize when these seasons are. The exact dates of the seasons can vary from year to year, and are determined based on a number of factors, including:
   • The number of tides
   • The condition of beaches and of the seawater
   • The number of people expected to go harvesting
   • The average harvest size
2. Harvest at the best time.^[4] Traditional advice recommends only harvesting oysters only during cooler winter months (those with an “R” in their name). Nevertheless, oysters are safe to harvest and eat all year round. However, oysters reach their peak condition during winter and early spring.
   
3. Wait for the right weather. It is best not to harvest oysters within three days following a heavy rain (1 inch or greater).^[5] Runoff from soil can contain bacteria and other contaminants. In some locations, it is expressly forbidden to harvest oysters following rainfall. Instead, plan to harvest oysters during clear weather.
   
4. Go at low tide. The best time to harvest oysters is during the day, and when the tide is lower than 2 feet.^[6] This makes it easier to find oyster reefs, and to remove clusters from them.
   
   • Pay attention to water conditions when harvesting oysters so that you don’t become trapped as the tide comes back in.
5. Inspect the site. Even when you're going to an approved collection site during ideal weather conditions, you should double-check the area before you start harvesting the oysters. Oysters feed by filtering seawater, which means they can collect all sorts of pathogens and pollutants.^[7][8] If you notice dead oysters or fish, foul smelling water, or any other warning signs, seek another harvesting ground.
   
6. Go into the water. Some harvesters like to use a flat-bottomed oyster boat. However, all you really need to do to collect oysters is wade into the water and approach a reef.^[9] Be careful, however, since the mud near oyster beds (sometimes called “gumbo mud”) can be very thick and sticky.
   
   • Make sure to wear good footwear when wading to collect oysters, to protect your feet from sharp oyster shells, thick mud, and debris.
7. Remove oysters from the reef. Whether you are wading in the water or standing in an oyster boat, rake your oyster dredge across the reef.^[10] The toothed portion of the dredge will help knock oysters off of the reef, which will then be collected in the basket portion. When your dredge seems full, empty it on deck or into a collection bucket.
   • You can also simply use a hammer or similar tool to knock clusters of oysters off of their reef.^[11]
   • Make sure to wear thick gloves when handling oysters. This will protect your hands from their shells and any sharp tools you may be using to handle the clusters.
8. Look for clusters with large oysters. Oyster reefs will contain both larger, older oysters, and smaller, younger oysters. Many locations will set a minimum size (often 3”) for oysters that can be collected.^[12][13][14] These minimums are designed to prevent over-harvesting and to preserve oyster populations. Larger oysters are also more desirable.
   
9. Break the clusters apart. Using a hammer, screwdriver, or other tool, separate individual oysters from each cluster. Remove any smaller oysters and carefully place them back in the water.^[15] You should also remove any dead oysters and discard them by placing them back in the water.
   
   • Live oysters, if open, will close their shells when lightly tapped.
10. Collect edible oysters in a bucket. Oysters which are alive and large enough can be kept. Many harvesters prefer to use a floating bucket (attached to the harvester with a cord), since it will keep oysters moist in the water and allow you to keep your hands free.^[16]
    
11. Stay within collection limits. Each state or local area may set a limit (by number, weight, or volume) on the amount of oysters each person is allowed to collect.^[17][18][19]There may be fines or other penalties for illegally harvesting oysters in your area.^[20]
    

EditStoring

1. Keep your oysters cool. While you are collecting oysters, you must keep them moist and in the shade.^[21] Put them on ice if you will transport them in a cooler or bucket, but do not allow them to freeze. Refrigerate them as soon as possible (within 4 hours). Once you bring them home, cover them with a clean wet towel and put them in your refrigerator until cooking. Do not keep your oysters in an airtight bag or other container, as this will kill them prematurely.
   
   • Keep the oysters on a low level of your refrigerator, below any cooked food or food that will be eaten raw.
2. Don’t eat dead oysters.^[22] Oysters with open shells that won’t close when you tap them, broken shells, or that appear dried and shriveled are probably dead and should be discarded. Cooking oysters that are already dead (or eating them raw) can be hazardous to your health.
3. Cook oysters thoroughly. Many people like to eat oysters raw or lightly steamed. However, this will not kill potentially harmful pathogens.^[23] No amount of cooking will remove chemicals or biotoxins that the oysters may have collected from seawater, so always only harvest oysters from approved locations.
   
   • Oysters can be prepared a variety of ways: roasting, steaming, baking, grilling, frying, stewing, etc.
   • Cook oysters according to recommended temperatures and times. For instance, they should be boiled or simmered for at least 3 minutes, fried at 375 degrees Fahrenheit for at least 3 minutes, or baked for 10 minutes at 450 degrees Fahrenheit.^[24]
   • Use fresh or refrigerated oysters within two days. Discard and do not eat any old oysters.
4. Freeze any oysters you do not want to use right away. Shuck oysters and freeze them in small batches in their natural juices, or in any liquid you have cooked them in. They can remain in your freezer for up to a year, but are best if used within 3 months.
   
   • Thaw frozen oysters in your refrigerator for 24 hours prior to using them.
   • Remember to thoroughly reheat any cooked oysters or oyster dishes.
5. Find out if your state recycles shells. Young growing oysters need older shells to attach to. Returning undesired oysters to the water and leaving cast off shells on the beach helps ensure that young oysters have a good surface to grow on. In some areas, there may even be opportunities to recycle shells after harvesting. The Oyster Recovery Program maintains a list of these states and information about how to participate.^[25]
   
   • In some cases, you may be required to shuck on the beach, and leave the shells there.^[26]

EditPreparing to Go

1. Obtain a license. Exact licensing requirements will vary from state to state, but having a fishing or shell fishing license is usually required to legally harvest oysters.^[27][28] Contact your local department of natural resources or fish and wildlife management agency to find out more about licensing costs and requirements.
   
   • Licenses can often be purchased directly from the relevant agency, or from vendors such as bait and tackle shops. In many cases, these agencies also allow you to easily purchase a license online.
   • You may be required to carry proof of your license while harvesting oysters.
   • Make sure to learn about all harvesting requirements (such as size limits) when you obtain your license.
2. Get a map of state harvesting grounds. States will generate a list of approved harvesting locations. This list helps harvesters stay away from areas that are potentially contaminated, polluted, or hazardous.^[29] Your local department of natural resources or fish and wildlife management agency may even have an online or print map of these harvesting grounds available for you to use.
   
3. Gather your gear. In some locations, you may only be allowed to use hand equipment (no mechanical means, such as a power dredge) for harvesting oysters.^[30][31] Basic equipment includes:^[32]
   
   • An oyster dredge, hammer, or other tool to break off clusters
   • Heavy duty gloves
   • A collection bucket (such as a floating bucket)
   • Ice to keep oysters cool
   • A screwdriver or other shucking tool

EditWarnings

• Biotoxins, pathogens, and various chemical pollutants can accumulate inside oysters living in contaminated waters. These pollutants can be very dangerous to your health if consumed. If you become sick after eating oysters (or other shellfish), seek emergency medical treatment.
• For protection, wear sunscreen and insect repellant when harvesting oysters.

EditSources and Citations

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from How to of the Day http://ift.tt/1QcA9vK

How to Get Subtitles on Netflix

It's important to note that subtitle availability is different from title to title. Not all titles on Netflix have subtitles for other languages. Some only have subtitles for English, while others will have multiple language options. Some won't have any subtitles at all. The subtitles come from the content distributors, not Netflix. You'll need to play a video for at least five minutes with your selected settings to save them for future videos. Subtitles, or closed captioning, can be helpful for TV/film viewers who are deaf or hard of hearing, or those who are learning a new language—and some people just like being able to see the audio written down while they watch. If you're watching a show or movie through Netflix's streaming services, it only takes a couple of clicks to turn on subtitles. Most devices that can run Netflix support subtitles.

EditSteps

EditPC and Mac

1. Start the video that you want to add subtitles to. You can add subtitles to videos that you stream through your web browser.
2. Move your mouse while the video is playing. This will display the playback controls.
3. Click the Dialog button. The button looks like a speech bubble. If you don't see this option, then the video you are watching does not have any subtitles.
4. Use the drop-down menu to select your desired subtitles. The available subtitles will vary depending on the content. Your chosen subtitles will be displayed immediately.
   • If you are not able to see your selected subtitles, try disabling the extensions for your web browser. See Disable Add-Ons for detailed instructions for the major browsers.^[1]
   • Several users have reported issues with Internet Explorer and the Windows Netflix app. If you use either of these to watch Netflix and cannot get subtitles to work correctly, try using a different browser for Netflix.^[2]

EditiPhone, iPad, and iPod touch

1. Start watching a video in your Netflix app. You can enable subtitles for any video that supports them.
   
2. Tap the screen to display the playback controls. You'll need to do this while the video is actually playing.
3. Tap the Dialog button in the upper-right corner. The button has a picture of a speech bubble. This will display the audio and subtitle options.
   
4. Select the "Subtitles" tab if necessary. This will display a list of available subtitles. The iPad will display both options at once.
5. Tap the subtitles you want to use and then tap "OK." The subtitles will load immediately and your video will resume.
   

EditApple TV

1. Ensure that your Apple TV is up to date. If you have an Apple TV 2 or 3, you'll need to be running Software Version 5.0 or later. If you're using an Apple TV 4, you'll need tvOS 9.0 or later installed.
2. Open the subtitles menu while a video is playing in Netflix. The method for this is different depending on your Apple TV model:
   • Apple TV 2 and 3 - Press and hold the center button on the remote.
   • Apple TV 4 - Swipe down on the touchpad on the remote.
3. Select your subtitles. Use the remote to highlight the subtitles you want to select. Press the Select button on your remote to apply the subtitles.

EditChromecast

1. Open the Netflix app on device controlling your Chromecast. You'll be changing the subtitle options using the device that is controlling your Chromecast. This could be your Android or iOS device.
2. Tap the screen on your Chromecast device to display the playback controls. You'll need to have the video open in the Netflix app to do this.
3. Tap the Dialog button. This can be found in the upper-right corner, and has a speech bubble image.
4. Tap the "Subtitles" tab and then select the subtitles you want. When you tap "OK," the subtitles will be applied to the video you are watching.

EditRoku

1. Select the video that you want to watch. Don't start playing it yet, as you'll be changing your subtitle options from the Description screen.
   • If you have a Roku 3, you can access the subtitle options during playback by pressing Down on the remote.
2. Click the "Audio & Subtitles" option. You'll find this on the video's Description page.
3. Choose the subtitles that you want to use. The available subtitles are dictated by the video's creators.
4. Press "Back" to return to the Description screen. Your subtitle choices will be saved.
5. Start the video. Your new subtitle selection will display on the screen.

EditSmart TVs and Blu-ray Players

1. Launch your Netflix app. Many Smart TVs and Blu-ray players have a Netflix app that you can use to watch Netflix videos. The process for turning subtitles on varies from device to device, and older devices may not support subtitles at all.
2. Select the video you want to watch. This will open the video's Description page.
3. Select the "Audio & Subtitles" option with your controller. It may have a picture of a speech bubble, or it may say "Audio & Subtitles." If you don't see this button, your device does not support subtitles.
   • You may also be able to open this menu by pressing Down on your remote while a video is playing.
4. Choose the subtitles you want to watch. They will be applied as soon as you start your video.
5. Return to the Description page and start the video. Your selected subtitles will be displayed.
   • If you were unable to perform these steps, your device does not support subtitles for Netflix.

EditPlayStation 3 and PlayStation 4

1. Start playing the title you want to turn subtitles on for. Both the PS3 and PS4 support subtitles, as long as the content you are watching has them. The process is the same for both systems.
2. Press Down on your controller. This will open the Audio & Subtitles menu.
3. Highlight "Audio & Subtitles" and press . This will allow you to select your subtitle options.
4. Select your subtitle options. The subtitles will appear immediately after you select the language.^[3]

EditWii

1. Start Netflix and select the title you want to watch. Don't start playing it yet, just open the title's description page.
2. Use your Wii Remote to click the Dialog button. It looks like a speech bubble, and can be found on the right side of the screen. If you don't see this button, the title does not support subtitles.
   • Kid profiles cannot change subtitle or audio options on the Wii.
3. Select the subtitles you want to enable. Use your Wii Remote to select the language that you want to enable for subtitles.
4. Start watching the video. Your selected subtitles will appear.

EditWii U

1. Start playing the video using the Netflix channel. You can apply subtitles as the video is playing if you're using a Wii U.
2. Select the Dialog button on your GamePad's screen. This will open the subtitle options on your GamePad display. If you don't see this option, the video you are watching does not have subtitles.
3. Choose the subtitles you want to use. Tap or use the GamePad controls to select the subtitles you want to apply.
4. Resume the video. Your selected subtitles will appear on the screen.

EditXbox 360 and Xbox One

1. Start playing the title you want to add subtitles to. The Xbox One and the Xbox 360 both support subtitles, as long as the title itself has subtitles. The process is identical for both systems.
2. Press Down on your controller while the video is playing. The "Audio & Subtitles" option will appear.
3. Select "Audio & Subtitles" and press . You'll now be able to select your desired subtitles.
4. Choose your subtitle options. The subtitles will appear as soon as you select them.
5. Disable closed captioning on your system if subtitles won't turn off. If closed captioning is enabled system-wide, subtitles will appear in Netflix even if they are disabled for that title.
   • Xbox 360 - Press the Guide button on your controller and open the "settings" menu. Select "System" and then "Console Settings." Select "Display" and then the "Closed Captioning" option. Select "Off" to disable closed captioning system-wide. You should be able to return to your video and watch it without subtitles.
   • Xbox One - Press the Guide button on your controller and open the "settings" menu. Select the "Closed Captioning" option and then select "Off." Your video in Netflix should no longer have captioning.

EditAndroid

1. Start a video in your Netflix app. As long as your device supports the Netflix app, it supports subtitles.
2. Tap the screen while the video is playing. This will reveal the playback controls.
3. Tap the Dialog button to open the subtitle options. The Dialog button looks like a speech bubble, and can be found in the upper-right corner of the screen.
   • If you don't see this button, the video you are watching does not have subtitles available.
4. Tap the "Subtitles" tab and select the subtitles you want to use. Once you've selected the subtitles you want, tap "OK." The subtitles will be displayed over the video.

EditVideo

EditTips

• You'll need to watch a video for five minutes after applying your subtitle changes for those settings to become the new default setting. This goes for disabling subtitles as well.
• Closed Captioning is not available on the Roku classic models, but is available on the Roku 2 HD/XD/XS, Roku 3, Roku Streaming Stick, and Roku LT.^[4]
• Newly added shows and films may not be immediately captioned, but they should receive captioning within 30 days of being added to the site.^[5]
• All Netflix (US) shows and films should offer some kind of closed-captioning. After the National Association for the Deaf filed suit against the company for not providing subtitles, Netflix agreed to caption all shows and movies by 2014.^[5]

EditRelated wikiHows

• Watch Movies Online With Netflix
• Watch Netflix on TV
• Report a Problem With a Netflix Streaming Video
• Cancel Netflix
• Update Payment Information on Netflix
• Change Your Netflix Plan

EditSources and Citations

Cite error: <ref> tags exist, but no <references/> tag was found

from How to of the Day http://ift.tt/1r3Z0pE

How to Perform Downward Facing Dog in Yoga

Downward facing dog, or adho mukha svanasana in Sanskrit, is an integral pose for any yoga practice.^[1] You can do this asana, or posture, alone, as part of sun salutations, or even as a rest pose. If you are an experienced yogi or just getting started, there are different ways you can practice downward facing dog.

EditSteps

EditPracticing Downward Facing Dog from a Standing Position

1. Stand in tadasana. Start by standing in tadasana, or mountain pose, at the front of a yoga mat. This will allow you to most easily flow into downward facing dog from a standing position.
   
   • In tadasana, or mountain pose, you stand at the front of a yoga mat with your feet together and your arms at your sides. Gaze forward, spread your toes, and make sure your balance is evenly distributed between both feet.^[2]
   • Make sure to engage your abdominals and lightly pull your sacrum toward the ground.
   • Inhale and exhale evenly through your nose. If you can, make a slight sound like the sea when you breathe. This is called ujjayi breathing and can help you flow through your downward dog more effectively.^[3]
2. Place your hands in a prayer position and set an intention. No yoga practice, even if it is just doing downward facing dog, is complete without setting an intention. By taking a few seconds to dedicate your practice to something, you may be more effective at doing downward facing dog.
   
   • Lightly touch the bases of your palms, then the palms themselves, and finally your fingers to make prayer hands. You can leave a small space between your palms if you like to let energy flow. Place your prayer hands on your sternum, near your heart.
   • If you don’t know what your intention is, consider something as simple as “letting go.”
3. Inhale and raise your prayer hands into an upward salute. Once you’ve set your intention, inhale and raise your hands towards the ceiling in an upward salute, which is also called urdhva hastasana.^[4] Gently arch your back as you look up past your hands.
   
   • Make sure to completely extend your elbows and reach up through your fingers towards the ceiling. Only tip your head back slightly, making sure not to compress your cervical spine.^[5]
   • Do this without hunching your shoulders and make sure to keep your chest open.
4. Exhale and hinge into standing forward bend. Exhale and “plunge” into standing forward bend, which is also called uttanasana.^[6]
   
   • It’s important to keep your back straight and hinge forward at your waist as you transition from upward salute (urdhva hastasana) to standing forward bend (uttanasana).
   • Plant your palms flat on the floor next to either foot. Your fingers should point forward and be fully spread apart so that your entire palm is pressing into the floor, which will help distribute your weight evenly between your hands and your feet.
   • It’s important to keep your abs engaged and in contact with your thighs.^[7] If necessary, bend your knees to keep this contact.
   • If your palms don’t reach the floor, put them on blocks so that your entire hand is pressing into the floor.^[8]
5. Inhale and extend your spine into standing half forward bend. Gently inhale and extend your spine into a standing half forward bend, which is also called ardha uttanasana. This position will make it easier for you to enter downward facing dog.
   
   • Make sure to keep your spine straight as you extend halfway upward. Keep your palms firmly planted on the floor next to your feet.^[9]
   • Make sure to keep your abs engaged while you’re in this position.^[10]
6. Exhale and step or jump back to plank pose. Depending on how experienced you are at yoga either step or jump back into Adho Mukha Dandasana. This will be your preparatory pose before completing the vinyasa to adho mukha savasana or downward facing dog.
   
7. Exhale and push your hips towards the sky as you step each foot back until your body is in the shape of an inverted “V" for downward facing dog. If you are a beginner yogi, first step your right foot back followed by your left. Your body will end up in an inverted “V” shape, which is downward facing dog or adho mukha savasana. This position should feel calming and allow you to rest as you get deeper into the asana, or pose.
   
   • Keep your palms pressing flat against the floor and your abs engaged.^[11]
   • Your heels may or may not touch the floor depending on how flexible your lower back, hamstrings, and calf muscles are. The more you practice, the easier it will be to get your heels to the floor.^[12]
   • Keep lifting your sitting bones towards the ceiling.^[13]
   • Keep your gaze towards your navel, but make sure you’re head is hanging comfortably.^[14]
   • Inhale and exhale steadily for as many breaths as you like.^[15]
8. Cycle back through this vinyasa and return to mountain pose. As you become more experienced you can vary the vinyasas you cycle through to achieve certain poses.

EditPracticing Downward Facing Dog from a Kneeling Position

1. Start in Child's Pose. Begin by kneeling on a yoga mat or the floor. Bring your knees together and your buttocks to your feet. Exhale and slowly rest your torso over your thighs so that your forehead touches the mat.
2. Exhale, spread your knees wide, bring your feet together, stretch your arms out in front with your belly between your legs and push back to downward facing dog. From balasana, or child’s pose, exhale and push your sitting bones towards the ceiling. You should end up in an inverted “V” position, which is downward facing dog, or adho mukha savasana in Sanskrit.^[16] This position should feel calming and allow you to rest as you get deeper into the asana, or pose.
   
   • Keep your palms pressing flat against the floor and your abs engaged.^[17]
   • Roll your shoulders down your back and arms inward so the eyes of your elbows are facing one another.^[18]
   • Your toes may not be flexible enough to allow you to roll over them. If this is the case, modify the pose by picking up your feet and placing the backs on the floor.
   • Your heels may or may not touch the floor, depending on how flexible your lower back, hamstrings, and calf muscles are. The more you practice, the easier it will be to get your heels to the floor.^[19]
   • Keep lifting your sitting bones towards the ceiling.^[20]
   • Keep your gaze towards your navel, but make sure you’re head is hanging comfortably.^[21]
   • Inhale and exhale steadily for as many breaths as you like.^[22]

EditVideo

EditThings You'll Need

• Yoga mat
• Comfortable clothing.

EditRelated wikiHows

• Do Cow Face Pose in Yoga
• Perform Cobra Pose in Yoga
• Help Back Problems with Pilates and Yoga
• Do Backbend Stretches
• Reduce Forehead Wrinkles With Face Yoga
• Breathe Like a Yoga Master
• Do a Standing Hip Hinge

EditSources and Citations

Cite error: <ref> tags exist, but no <references/> tag was found

from How to of the Day http://ift.tt/w6epry

How to Braid Your Own Hair

A braid can add a fun accent to your hair and is great for when you have little time to devote to styling your hair. It takes practice to get a smooth and uniform braid. There are many different types of braids you can try. Take some time to learn how to braid your own hair using three common braided hair styles.

EditSteps

EditCreating a Traditional Braid

1. Brush your hair. This helps your braid stay smooth and neat.^[1]
   
   
   • Use a large brush or comb to smooth out your hair.
   • Brushing your hair before you start braiding will prevent knots from forming in your hair as your braid.
   • Don't start braiding your hair when it is wet. It will expand as it dries and may break in your braid.
   • Avoid using lots of hair product when you start this process, but you can try a dry shampoo to help with texture if you need it.
   • Try using dry shampoo if you are having problems holding on to your hair. Clean, dry hair may be too slick to stay in place while performing the steps. The dry shampoo adds texture that helps you hold on to the strands.^[2]
2. Decide where you want your braid to fall. Before you can start your braid, you need to decide where you want your braid. The placement of your braid on your head can transform your hairstyle for many outfits and occasions. It can be convenient, casual, or elegant depending on where you place your braid.
   
   
   • Pull your hair to either side to make a side braid. Brush all of your hair to the side you choose to ensure there will be no bumps. This creates a more elegant, put together look that can accent an evening out or day at the office.
   • Starting with a side braid can be beneficial if you are a beginner. It is easier to see and control what you are doing with a side braid.
   • You can braid down the back in a low, unsecured ponytail. This gives a more elegant classic braid and is more relaxed and unstructured.
   • You can also start by making a ponytail in the middle or on top of your head. This will add stability to a back braid but is a more casual look.
3. Divide your hair into three sections. Collect and hold your hair in your hands. ^[3]
   
   
   • You will have one section of hair on the left, one in the center and one on the right.
   • Hold the section of hair on the left between your left thumb and forefinger.
   • Hold the section of hair on the right between your right thumb and forefinger.
   • Let the center section hang loose for now.
4. Begin your braid. Start braiding by crossing the right section of hair over the center section.^[4]
   
   
   • Take the right section of hair, once you have crossed it over the center section, between your left forefinger and middle finger to secure it.
   • Grab the center section of hair with between the thumb and forefinger of your left hand.
   • Pull on the sections of hair in both hands to tighten the braid. This will ensure that the braid will be even with no gaps.
   • If you have longer hair, run your fingers down the section of hair to ensure it does not get tangled as you go.
5. Continue braiding the remainder of your hair. You should now rotate your left wrist to cross the left section of hair over the new center section of hair. ^[5]
   
   
   • Grab the left section of hair between your right forefinger and middle finger after you cross it over the center section.
   • Secure the center section of hair between your thumb and forefinger of your left hand.
   • Pull the sections of hair in both hands tightly to ensure that the tension on the braid is even as you go.
6. Repeat the previous two steps. Do this until you reach the bottom of your sections of hair.^[6]
   
   
   • Cross of the right section over the center, then the left over the center until the braid moves down the length of your hair.
   • Make sure to continue pulling your hair snug as you follow the braid.
   • If your braid gets too long while braiding down your back, pull your hair over your shoulder and continue the steps with the hair in front of you.
   • Tie with a hair tie at the bottom. Make sure the hair tie is tight. If it is too loose sections of your braid will come out.

EditCreating a French Braid

1. Brush your hair thoroughly. This will make the braid smooth and neat. This will also cut down on tangling as you braid.
   
   
   • It will be difficult to pull your hair into sections for a braid if it is tangled.
   • Smoother hair is easier to braid and this will prevent a messy looking style.
   • Remember to avoid braiding wet hair or using too much product. If you are having trouble with your hair slipping out of the braid, you can apply a dry shampoo though.
2. Section off an area of hair at the front of the scalp on the crown of the head. Use a hair pick or comb to pick up the section of hair at the crown of your head.
   
   
   • The French braid is more complicated than the traditional braid because the braid starts at the top of your head and gathers hair from the crown of your head.
   • This first section should extend from your temples to the top of your head.
   • You can also separate this section of hair by pulling your hair back along the side of your head from your temples to the back, using your thumbs.
   • Brush this section of hair back from your face to smooth it out.
3. Divide the section at the crown of your head for braiding. Split the hair into three sections, holding the hair high on your head.
   
   
   • Hold one section in one hand and two in the other, keeping them separated by your index finger.
   • It is often helpful to hold two sections in your left hand and one in your right hand.
   • Make sure your hold is firm on the three sections.
4. Begin your braid. Cross the right section over the center section to start.
   
   
   • Cross the left section over the section that is now in the center, as if you were doing a traditional braid.
   • This is the start of your braid. It should begin high on the crown of your head and look like a traditional braid.
   • Pull the sections tight to make sure the tension on the braid is even and that it is not too loose.
5. Continue your braid on the right side. You will do this by taking small sections of hair and adding them to the right section of your divided hair.
   
   
   • Pick up a small section of hair from the right side of your head.
   • Add it to the section of hair that you are holding in your right hand. Then cross this right section over the center section of hair.
   • Pull the section tight at the end of each cross over to ensure that the braid stays neatly defined with even tension.
6. Continue your braid on the left side. This will follow the same method you used on the right side.
   
   
   • Pick up a small section of hair from your left side of your head.
   • Add it to the hair that you are holding in your left hand.
   • Cross it over the center section of hair.
7. Repeat this process, alternating between left and right sides. Continue to pick up extra hair before crossing the sections into your braid.
   
   
   • This incorporates the hair not already in the braid, creating a cohesive braid.
   • Make sure you take even strands on each side of your head. This will ensure that your braid will be even and straight in the back.
   • The braid should follow the center of your head, from the crown of the head to the nape of the neck.
   • If you have longer hair, run your fingers down each the section of hair to ensure that tangling does not occur as you go.
8. Braid your remaining hair. You will use a traditional braid once all the hair on the crown of your head is incorporated into the three sections you started with.
   
   
   • When you have no more hair to braid, tie the end with a hair tie.
   • If you have long hair, you will need to bring your braid over your shoulder to complete it.
   • Try variations of this braid. You can do pigtail french braids by splitting your hair into 2 sections with a hair pick and braiding them individually.
   • You can also braid from your part down the side of your head. This is called a french lace braid.
9. Finished.
   
   

EditCreating a Fishtail Braid

1. Brush your hair thoroughly. This removes tangles and makes braiding easier. ^[7]
   
   
   • This type of braid is much easier to do on longer hair. If you don't have longer hair, you can use hair extensions to make this braid easier.
   • Make sure there are no tangles or knots in your hair before you start the braid.
   • Use a regular hair brush or comb to do this step.
   • It is much simpler to do a side fishtail braid when you are first learning. The multi-layered construction makes it difficult to do behind your back when you are not familiar with the process.
2. Part your hair into two sections. Use a hair pick or comb to part your hair down the middle, dividing it into 2 large sections at the base of your skull.^[8]
   
   
   • Make sure your sections are even so your braid will be as well.
   • If you want, you can brush out each of these sections to ensure that the hair is smooth and well divided.
   • This is different from traditional and french braids, which use 3 sections of hair.
3. Begin your braid. You will pull small sections of hair, about 1/2 inch in thickness from the outside of each section of hair for this style of braid.^[9]
   
   
   • Pull a small amount of hair from the front, outside of the right section of your hair.
   • Use your index finger to separate this smaller section of hair from the larger one on the right.
   • Cross this smaller section of hair over the right section of hair and tuck it behind the left section of hair.
4. Do the same for the left side. You will need to hold both left sections with your left hand and both right sections with your right hand.^[10]
   
   
   • After you merge each small, outside piece, you will go back down to two strands.
   • This is much more complicated than other braids. Work slowly and be careful not to drop the smaller strands of hair as you braid.
   • This varies from the other braids because you work with two stable pieces while creating the third strand each time instead of having three stable strands throughout the steps.
   • For a more intricate braid, use smaller strands of hair.
5. Continue braiding your hair following the last step. Alternate sides as you go along.^[11]
   
   
   • Cross the small, outside right section that is closer to your face into the center.
   • Merge this piece of hair with the large section in your left hand.
   • Cross the small, outside left section into the center.
   • Merge this small left section into the larger right section.
   • Make sure to pull the strands tight. This will ensure a tight, neat braid.
   • Repeat this process until all of your hair is braided.
6. Secure the braid at the end with a hair elastic. You can use small clear elastics or a thicker colored style is you want.^[12]
   
   
   • Once you've finished the braid, give it a textured look by gently stretching out the braided sections to make them appear thicker.^[13]
   • Be careful as you do this as you might risk loosening parts of the braid, making them prone to falling out.
   • For a messier braid, gently run your fingers along the braids and pull small strands out to create a flyaway look. ^[14]

EditVideo

EditTips

• Wash and dry your hands before you braid your hair. This will rid your hands free of any sticky hair product or lotion that may cause your hair to stick to your hands.
• When you braid your hair remember to brush it first so it is easier to braid.
• To help it stick spray some hairspray in case it falls.
• You can also braid your hair on one side and pull it across your head and fasten it to the other side with a bobby pin.
• If you are having problems learning any of these steps, try doing these steps in front of a mirror. There are some people, however, that think when first starting out, braiding your hair without a mirror helps you to understand the feel of braiding your own hair. It improves muscle memory so you can learn more complex braiding techniques in the future.^[15]
• Add flourish to your braid by securing the end with a bobby pin instead of a rubber band. Tie the ends of your hair and then stick a bobby pin through the knot. This creates a clean, natural ending to your braid.^[16]
• Don't braid your hair wet. It is heavier and your hair expands when it dries. This could cause breakage and damage to your hair.^[17]
• Use as little product in your hair when you braid it. The extra product causes the strands to be stiff and they don't braid as well.^[18]

EditSources and Citations

Cite error: <ref> tags exist, but no <references/> tag was found

from How to of the Day http://ift.tt/1anPbgx