Article: You can use plain white paper (or card if you prefer) which you can later decorate with your flag's colors using crayons, pencils, markers or paint. Alternatively, you can use paper that's the same color as the base color of your flag. For example, if you were making a British flag, you could use blue paper, or if you're making a Canadian flag, you could use red paper. Lay the four sheets of paper out flat on the table and align them so that they form a rectangle. Use paper masking tape (which you can later color over) to stick the four sheets of paper together. Tape on both sides of the paper for extra strength.
Question: What is a summary of what this article is about?
Take six sheets of paper. Take the other four sheets of paper and make a rectangle.
Article: These poles look very similar to ski poles, except they’re usually adjustable to adapt to the terrain. Trekking poles allow you to push tall grass and other brush out of your way, potentially scaring off any hidden snakes. As you hike, your pole hitting the ground and banging against rocks will also deter snakes. They can feel the vibrations in the ground, and will usually leave when they sense your approach. If you can’t afford or otherwise acquire a trekking pole, a ski pole will do fine. Snakes tend to hide under stones, logs and in dense foliage. Trails cleared of clutter are less likely to attract snakes. Additionally, if you stick to well travelled trails, the frequent foot traffic will already keep snakes away. They have no desire to approach humans, and if they know people frequent a particular area, they’ll tend to stay away from it. Snakes are cold-blooded, meaning they can’t regulate their body temperature the way humans can. They have to expose themselves to sunlight to warm themselves up, and hide away from sunlight to cool down. Consequently, snakes tend to be more active in warmer weather. If you’re really concerned about encountering a snake on a hike, consider planning your hike for the cooler weather of fall and winter.
Question: What is a summary of what this article is about?
Use trekking poles when hiking. Stay on cleared, popular trails. Choose the time of your hike carefully.
Article: Bankruptcy is the process of eliminating some or all of your debts in exchange for either regular payments or a seizing of your property. Although it may not seem like an enviable option, it's the smartest way out of an underwater mortgage for many homeowners. When you file for bankruptcy, the foreclosure proceedings can be stopped with an automatic stay. In order to qualify for bankruptcy, you have to complete a means test, pre-bankruptcy credit counseling, as well as acquire the correct paperwork such as tax documents. There are essentially 2 different kinds of bankruptcy declarations, each with their own unique rules and specifications. As they relate to stopping a foreclosure, they are briefly described below:  In chapter 7 bankruptcy, you ask to have most, if not all, of your debts discharged by the courts. In exchange for this discharge, the courts can take any property not exempt from collection, sell it, and distribute the proceeds to your creditors. With chapter 7, you won't be able to keep your house, but you will be able to stall the foreclosure for at least a couple of months. For chapter 7 bankruptcy, you will be able to keep your home if it is the only property you own and if you currently reside there. Though the debt will be discharged, you must continue to make payments on the home in order to keep it. If you do not make the payments, the lender can foreclose on the property. In some states, you will be able to discharge the debt and move out without any recourse, but in other states the lender may be able to come after you for the debt. In chapter 13 bankruptcy, you agree to a plan to pay back all or most of your debts over a certain period of time. The time you have to repay the debt, as well as the repayment plan itself, depends on how much you earn, as well as the types of debt you currently own. With chapter 13, you should be able to keep your home, especially if you think you'll be able to make payments in the future. The repayment plan usually lasts three to five years. S. Bankruptcy Court. Meet with a lawyer and declare your bankruptcy. Start making payments. After a while, attend a meeting of the creditors. This is a meeting between you and a bankruptcy trustee. However, your creditors may also attend. This meeting will give you a better sense of where foreclosure proceedings are at. Bankruptcy attorneys usually collect their fees before a bankruptcy begins because they don't want you to go bankrupt as a result of their fees. The fees could cost $1500 to $3000 or more depending on how complicated your situation is. Find an attorney who charges a flat fee and who has experience with bankruptcies.
Question: What is a summary of what this article is about?
Understand personal bankruptcy. Decide between filing chapter 7 and chapter 13 bankruptcy. File your bankruptcy petition with your local U.