Summarize the following:
If you are considering adding someone to your mortgage, you probably have some idea of his financial history. A vague idea of his history is not enough here, though. Getting exact numbers where applicable, make sure you know specifics of the following:  Income Debt, including from student loans Credit score Whether he has declared bankruptcy or faced foreclosure in the past seven years If you were able to get a mortgage in the first place, it is because your lender believed you had the income to afford the house and a history that made you creditworthy. If you want to add someone to your mortgage, the lender will take both of your incomes, credit scores, etc. into account. While adding a second person’s income can help, other factors can work against this.  For instance, imagine that you have excellent credit (anything above 750). This helped you qualify for favorable terms, including a lower interest rate, on your original mortgage. Now, imagine that the other person has poor credit—a score of between 600-649. You might think that the bank or mortgage company will average these two scores together, landing you somewhere in the good to fair range. You could probably still get a decent offer with a score like this. Unfortunately, this is not what they will do. Instead, they will only consider the lower score. Not only are you unlikely to receive an offer with favorable terms in this scenario, but you may also not get a mortgage at all. Have interest rates fallen dramatically since you got your original loan? Conversely, have they increased? This is one more factor to consider when thinking about refinancing.  Lower interest rates could mean more favorable terms, so many people choose to refinance under these economic conditions. Higher interest rates could mean less favorable terms, so think carefully before deciding to refinance in this climate. Remember all of the closing costs and other fees that you had to pay when you first secured a mortgage? You will need to cover these expenses once again if you decide to refinance.  Closing costs for refinancing can be very expensive—anywhere between three and six percent of the remaining principle on your loan. This means that, if you have an outstanding balance of $150,000 left on your mortgage, closing costs alone could be between $4,500 and $9,000. You may be able to get a discount on some fees if you have the original survey and original Owner's Title Policy with you. This only works if there have been no major changes to the property since purchasing.

summary: Have a conversation with the other person. Think about how the other person’s finances will affect your chances. Look at interest rates. Be prepared to pay some fees again.


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Having a regular schedule is key to maintaining an exercise routine. If you find the right time of day and duration and stick to it, you’re more likely to maintain a steady and regular exercise regimen.  Look for a part of the day when you have enough time to devote to running without being stressed or rushed. Aim to jog consistently at least twice a week for the best results. As you get into better shape, gradually increase your workouts to help prevent you from getting into an exercise rut. Aim to increase your running distance by about 10% per week. So, if you run 5 miles (8.0 km) one week, increase it to 5.5 miles (8.9 km) the next. Having goals can help keep you focused and give you something to work towards. Think of a specific goal or challenge you would like to meet, and try to consistently work towards meeting it.  For example, you might work on meeting a particular time or distance goal, such as running 1 mile (1.6 km) in 10 minutes. Training for a race can be a great way to set goals for yourself and stay motivated. For example, you might train for a 5K or sign up for a charity run. Changing up your running routine is important to keep your body challenged so it doesn’t fall into a fitness rut. Variation is also vital to keeping you from getting bored or discouraged with your routine. Try running different routes, varying your pace and distance, or switching between indoor and outdoor runs.  Integrating new terrain can help change up your routine, so try adding hills or stairs to your route. Include intervals in your run. Intervals involve repeatedly alternating between running full out for several seconds followed by returning to a normal pace for several minutes. Alternatively, you can choose a landmark, sprint to it, then return to your normal pace for several minutes before choosing another landmark, sprinting to it, returning to normal pace, and so on. Running with another person is a great way to stay motivated and to hold yourself accountable. Ask around among your friends, family, or coworkers and see if you can find someone who’s interested in jogging with you.  Ideally, you should jog with someone who has a similar amount of skill and experience to yourself. That way, it will be easier to keep pace with each other. If you don’t have any friends willing to join you, look up running community sites online. Many of them offer services to help connect people looking for a running buddy or looking to join a running group.

summary: Set up a regular schedule. Increase your time and distance gradually. Set specific running goals. Vary your routine to keep things interesting. Get a running buddy.


Summarize the following:
Your chart should have rows for each date that you measure your leaves. The columns should be labeled “number of leaves,” “average length,” and “average width.” You should check your leaves every two to three days. Be extremely thoroughly, but make sure you do not count the same leaves twice. Include new leaf tips and sprouts in your count. Record the number of leaves down in your chart. Choose a random sampling of four or five leaves. Hold the ruler from the bottom to the tip of the leaf. Add up the measurements, and divide by the number of measurements you took. (For example, if you measured by five leaves, divide by five). This is the average leaf length for that day. Record this down in your chart.  Repeat this process to find the width of the leaves. Measure the leaves at their widest part. Be as specific as possible; get the measurement down to centimeters and millimeters if you can. Keeping the leaf on the plant, draw around the leaf on grid paper. The grid should have squares that are one inch in area. Count the number of squares covered to get the surface area of each leaf. Leaves can grow quickly. Check the size of your leaves every few days to see how they are growing. You can use a modification of the growth rate formula for this purpose.  You can calculate the leaf number growth rate. This modification of the growth rate formula will tell you how many leaves are approximately growing per day. The equation for this growth rate is (L2−L1)T{\displaystyle {\frac {(L2-L1)}{T}}}where L1=first leaf count, L2=second leaf count, and T equals the number of days between each. The leaf size formula is the same as the plant height formula. Instead of height, the variable is the surface area. The equation for the growth rate formula is (S2−S1)T{\displaystyle {\frac {(S2-S1)}{T}}}where S1=first surface area measurement, S2=second surface area measurement, and T equals the number of days between each. Once you have gathered a few weeks’ worth of leaf tracings, you can use those shapes to create a template. Take a piece of paper or cardboard. Take the smallest tracing, and create a circle roughly that size, starting from the bottom of the paper. Create up to six larger circles that contain all of the measurements up to the largest. These should form concentric rings outside of the first circle. Label each of these circles with a number. One should be the smallest and six, the largest. In the future, you can use this template to measure leaves with greater ease. Hold up the leaf at the bottom of the paper with it centered around the smallest circle. Mark the largest circle it fills without going over and record that as the leaf size.
summary: Create a chart. Count the leaves on your plant. Mark the length and width. Trace your plant's leaves on grid paper. Repeat measurements every two or three days. Create a growth template.