Article: Since 2005, a number of companies have emerged that allow borrowers to connect directly with individual loan providers. The potential advantage is that a borrower typically gets a better rate and is more likely to get a loan, even with bad credit, whereas the creditor gets a better return on their money than a bank.  Some of the sites that provided this peer to peer loan service include Prosper, Lending Club, and Peerform.  Another option is to use loan shopping websites like MoneyLend, LendingTree, and eLoan. These websites allow you to enter the amount you hope to borrow, your reason for borrowing it, and your overall credit status, and based on this information will tell you whether a loan will be available to you and will quote you an approximate interest rate ranging from 5.9% to 36% or more depending on your circumstances. The following is an overview of the generalized process of applying for a loan through one of these sites. Actual steps may vary depending on the type of loan sought and the lending site. Once you've determined that you want to borrow using peer to peer borrowing, you'll need to create an account, providing your personal information for the purposes of credit screening. Once your account is set up, you can make your actual loan request, specifying what the loan is for and how much you need. This is your opportunity to make yourself appealing to potential lenders. Any information you can can include that will make you seem like a safer investment, like a history of repaying other loans or innovative business plans you plan to use the money for, should be included here. At this point, you have to wait for a creditor who thinks you are a good investment to make you an offer. You might get one offer for the full amount, or you may have to combine several smaller loans.  As in the case of a loan from a financial institution, you should still expect the terms and conditions of any offer you receive from a peer-to-peer loan site to be less favorable than it would be if your credit was good. For example, many of these companies present information like "rates starting at 5.5%" or other promises. The reality is that many of the annual rates given in their loan terms average between 12% and 16%, with riskier loans asking up to 36%.  Specifically, a common rate for one of these services might be 15% interest plus a 1% origination fee. So, if you borrowed $10,000 under these terms and paid it back over two years with $500 monthly payments, you'd end up paying $1,715.56 in fees and interest. This represents almost one-fifth of the original loan amount. Once you have attracted a creditor or creditors, you'll make an agreement with them and receive your funds.  Typically the website will monitor the status of the loan as you pay it back, and will handle the billing as well.  Keep in mind that some sites may charge a "sourcing" or "origination" fee. Be sure to check the terms of service before securing a loan.
Question: What is a summary of what this article is about?
Visit a peer to peer loan site. Create an account. Request a loan. Wait for an offer. Make an agreement.

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INPUT ARTICLE: Article: Before pursuing from-home employment, evaluate your expertise, work experience, and goals. Ask yourself, “What skills do I have? What kind of work am I willing to do? How much money do I want to make? How much time am I willing to commit?” Be honest with yourself – this information will help you narrow down your options.  Start thinking about your transferable skills. Then update your resume. If you have a family, make sure that your work-from-home goals align with the family’s priorities. If you have no experience or are looking to start a new career from home, some of the best fields to consider are IT, accounting, and marketing. These are somewhat technical fields, so you’ll need formal training. The good news is that you can earn an affordable associate’s degree in each field at your local community college or through online programs. If you don’t have the time, money, or motivation to pursue a degree, don’t worry. There are plenty of ways to make money from home. Work-from-home scams were the top Internet crime in 2011, and very little has changed since then. If an employment opportunity sounds too good to be true, well, you know the rest. Legitimate online work opportunities require no initial “investments,” and they certainly do not come in bulk emails. To maximize your efficiency, update your computer’s operating system and acquire a high-speed internet service. Find a suitable work space in your home and demand that others treat it with respect – this is your new office!

SUMMARY: Take stock. Acquire skills. Avoid scams. Get set up.

Thyme will bloom with tiny white, lavender or pink flowers. If you grow  your thyme for culinary purposes, you’ll get the most potent flavor from the herbs if you harvest right before the flowers begin to open. As for the flowers themselves, feel free to pinch them off if you like. This will stimulate the production of more leaves. However, the flavor of thyme won’t be negatively affected if you allow your plants to bloom. If you enjoy the way the flowers look, allow them to grow freely. You can harvest thyme at any point in the year, although the flavor is usually the best in June or July. This is when the flavor is most concentrated. Cut off fresh green sprigs in the morning. Leave behind the woody parts of the stalk. Strip the tiny leaves off the stems before using them.  When trimming off sprigs, always try to leave behind at least five inches of growth on the plant. This will help it continue to flourish. The more you trim and prune your thyme, the more it will grow. Regular trimming will also make your plants grow in a more rounded shape.  Check an almanac or online to see when the first frost usually occurs in your area. Stop cutting thyme about two weeks before this date. Hang the sprigs in a dark, well-ventilated area to dry them. You can also dry them by laying them out on a tray and putting them in a food dehydrator. Once the pieces dry out completely, the leaves will easily fall off the stems. After you’ve removed the dried leaves, store them in an airtight container until you’re ready to use them. You can also store your dried thyme in the freezer or preserved in oil or vinegar.
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One-sentence summary --
Harvest thyme just before the plant flowers for the best flavor. Clip off sprigs off as needed using scissors or pruning shears. Dry the harvested thyme sprigs somewhere warm and shady.