Generally, most home equity borrowers get at least three business days from closing to cancel their loan. Business days include Saturdays but not Sundays or public holidays. Depending on your circumstances, you may have more time (possibly up to three years).  The clock starts ticking when you close and you have three days after that to cancel. This is called rescission. If you have missed the deadline, consult with an attorney. You may have additional rights under your state’s laws. You will not see the funds from the loan until after the three day waiting period. It is important to keep this in mind, if you need the funds by a specific date. You cannot cancel in person or over the telephone. Instead, you must send the lender a letter. Do not delay. You must mail the letter before midnight of the third business day.  Mail the letter by certified mail, with a return receipt requested, so that you will know when it has been received. Also, hold onto all correspondence with your lender. If the loan is accidentally funded before they received and processed the letter, ensure you do not cash the check or spend the money. Your lender has 20 days after you cancel to release the security interest in your home. The lender also must return any money or property you paid as part of the transaction. You must also return the lender’s money. Once you receive a release of your security interest, you must offer to return the creditor’s property or money. Contact your state’s Attorney General’s Office or banking regulatory office if you think the lender used deceptive or unfair practices. Be prepared to provide evidence to back up your assertions.

Summary: Identify the deadline for cancelling. Write a letter to cancel. Receive a release of the security interest. Complain to the authorities about unfair practices.


Yes, using perfume too close to your vagina is a bad idea. However, putting a dab of perfume on the inside of each of your thighs, roughly six inches from the vulva area, is a time-honored way to smell amazing when anyone puts their head down there. You partner will associate musky smells with sex (since this is the type of smell you have naturally) so try to get a perfume which is generally musky. Sandalwood and vanilla are common “sexy” smells. Your diet can greatly affect your taste and smell. Certain foods tend to affect your body in certain ways, by altering your body’s balance of sugar, bacteria, and chemical compounds. Much like how if you eat a lot of garlic, your skin excretes a garlic smell for several days, you can eat or not eat certain foods to produce a better smell and taste in your vagina.  You’ll want to start by eating less sugar. A spike in blood sugar can cause yeast infections and buildup, which will cause bad odor.  Yogurt is considered to be a great way to help women keep a healthy vagina, as it contains the bacteria which naturally occurs in our body to maintain a healthy vagina.

Summary: Use perfume. Watch your diet.


Depending on your interest, there is probably a “fandom” out there somewhere for it. This means that there will be all sorts of clothes, memorabilia, and accessories. Look for a T-shirt that shows off your interest. Invest in a few of those T-shirts if you can and proudly wear them. Search eBay or thrift shops if your interest isn't very popular anymore. Don't just stop at the T-shirts. If possible, invest in other accessories that display your interest. You could wear hats, belts, shoes, or pins. Pick and choose whatever appeals to you. Don't be nervous about overdoing it. You don't have to show off your interest to dress like a geek. Instead, you can dress like a geek icon. For example, you could show off your interest in science by dressing like Albert Einstein. All you would have to do is put on a crewneck sweater, wide-legged pants, and loafers. It's easy and subtle.  If you like Steve Jobs, wear a black turtleneck. If Mark Zuckerberg is your favorite geek, dress in a casual style. Wear a hoodie, shorts, and flip flops. You can take your passion all the way by dressing up like your favorite character. The best place to do this is in a cosplay group or at a convention. Look up your favorite character and analyze how they dress/look. Try to recreate this look by purchasing or making your own costume. Finish up your geeky outfit by choosing a few accessories. One of the most iconic geek accessories are black rimmed glasses. You can wear prescription black rimmed glasses if you need glasses or choose glasses without a prescription if you don't. If you want to stick to a geek stereotype, wear suspenders with your pants. To top it off, you could attach some geeky pins to your suspenders. For example, find a pin or button displaying your favorite superhero.

Summary: Buy T-shirts that display your interests. Wear accessories that show off your passion. Dress like geek icons. Dress up like your favorite character. Wear geeky accessories.


Horror movies and thrillers need to be your homework, because editing is finally the place where you get to create the real suspense. You could spend years studying editing, but a quick master-class of your favorite movies will do. For each scene, pull out a notepad and write down:  The length of cuts. Do they use long, slow shots, short and quick cuts, or a combination of both? When do they use each? How long is the scene, and at what point does each key event happen. You'll be surprised how similar this is in many movies. What are the music and sound cues? When do they come in, rise, and fall away? What is the lighting like? How does color, tone, and brightness affect the mood of the scene? Pay attention to the length of the cuts, and how the juxtapose against each other. While this rule isn't hard and fast, longer cuts tend to build dread and suspense, with shorter cuts breeding action, excitement, and confusion. This is a good way to play with tension and release -- a key to good suspense.  Watch how some movies "fake" the release, making you expect a scare, but actually providing nothing terrible (like a cat jumping out). This puts your audience on edge without blowing the big scare. Remember -- suspense comes from worrying about what is going to happen next, or seeing what is happening and being unable to stop it. Note how your favorite movies build this horror. Check the climactic basement scene near the end of The Silence of the Lambs for a master course in long takes punctuated by quick bursts of action. Sound is actually one of the best, if not the best, way to create tension and suspense. Why? Because it hints at things the viewer can't see, increasing worry, confusion, and dread. From floorboard creaks to the whistling of the wind, chirping crickets to sudden, heart-stopping silence, you can mine a lot more tension out of subtle sounds than most movie viewers ever realize.  You can find thousands of free sound effects online with a quick search. For serious movies, consider paying for access to a professional sound bank. Silence is key to suspense, especially when broken by a nerve-clenching noise like a sharpening blade, slowly opening door, or sudden breath or whisper. You can find hundreds of copyright-free suspense songs on the internet, generally using violins, piano, and ambient noises to build quiet dread. When using music, try to be sparing -- you want your scares to come from visual and sound design, using the music as a final touch to pull it together. Keep it in the background, barely perceptible, to subtly impact your audience without pulling their attention from the scene.  No Country for Old Men famously used no music at all, which created its own unique, silent suspense.
Summary: Watch as many suspenseful scenes as you can get your hands on. Use the length of each shot to build, and then release, tension. Spend as much time on sound design as visual cuts. Cue up the suspenseful music, letting it build slowly throughout the scene.