Q: You are entitled to one free credit report each year. Your lender will look at your personal credit history, so you should pull it and check for errors.Dispute anything that is wrong.  For example, accounts might be listed that aren’t yours, or an account might be improperly listed as in default or collections. Also, the credit limit might be wrong.  Start early. The entire dispute process can take up to 60 days to complete, and you’ll want a clean credit report before you approach lenders. Loans for commercial real estate are not the same as loans you take out to buy your own home. Generally, loans can be for 30 years or as short as five or seven. Interests rates may also be variable or fixed.  If you can get a non-recourse loan, then the building will secure the loan as collateral. However, non-recourse loans are not available for all borrowers, and the building typically must be worth at least $2.5 million.  With a recourse loan, you remain personally liable for the loan. In the event of default, you can be sued, and you might lose personal assets. Recourse loans are riskier, but it might be the only type of loan you can get as a new landlord. Commercial loans also require a down payment around 30% of the purchase price.  If you're having trouble getting a commercial loan, consider getting a real estate contract instead. Real estate contracts require a large downpayment, but they're less difficult to get approved for. The downpayment may be less than what a bank would ask for, depending on how much the seller wants. Discuss what is a reasonable offer with your real estate agent, which will depend on the state of the local market. If the market is hot, you may need to pay the asking price—or even more.  No matter how hot the market, insist on a 90-day escrow period. You’ll want at least 60 days to get an inspection. That’ll leave you with 30 days to review documents before closing.  If you're using a lender, ask them how long they need to process your loan. Depending on your lender, you may need to ask the owner for more time to get everything together. Hire an inspector with experience in commercial properties as soon as possible in case there are any complications or delays later on. Find an inspector by getting a referral from a real estate agent or talking with another apartment complex owner.  Check ahead of time what will be inspected. Ask if you need to hire a specialty inspector to inspect a swimming pool or tennis court. If the inspector finds problems, ask the seller for a credit, which will reduce the amount you pay. Alternately, the seller might make the repairs before closing. You must give the lender information about the apartment complex when you apply, so collect the following before approaching a lender:  pictures of the apartment complex floor plans map of the surrounding area description of the property (e.g., number of units, year it was built, etc.) expected upgrades rent information purchase price names of real estate agents, attorneys, and title companies involved in the transaction Approach multiple lenders so that you can compare their offers. Ask for an application and submit it with your supporting documentation. If the loan officer needs more information, then supply it as soon as possible. After approving you, the lender will send you letter of intent or a term sheet. Analyze it carefully. It will specify the amount you can borrow and other terms. Choose the loan whose terms are best for you.  Sign the term sheet or letter of intent for the lender you choose. At this point, you may need to pay your deposit. The lender should follow up with a full (and final) loan commitment.
A: Check your credit report. Learn about commercial loans. Make the owner an offer. Have the building inspected. Collect required information for the loan application. Apply for your loan. Compare loans.

Article: Get out a clean 1-ounce (30-ml) spray bottle and pour 1/2 ounce (15 ml) of rosewater and 1/2 ounce (15 ml) of witch hazel into it. Add 9 drops of your favorite essential oil (such as tea tree, lavender, or geranium) and screw the lid on. Shake the bottle to combine the toner. Spray it on your skin or spray it onto a cotton pad that you can brush over your face.  You can use a combination of different essential oils. For example, try 4 drops of geranium and 5 drops of tea tree oil. To remove makeup or dirt left after washing your face, apply a sparing amount of essential oil to a cotton ball and wipe it gently over your face and throat. Take 2 clean cotton rounds and dip them in witch hazel or your infused witch hazel. Close your eyes and lay them on the puffy skin under your eyes. Let the rounds sit on your skin for 3 to 5 minutes and remove them. The witch hazel should tighten your skin and reduce the puffiness. Squirt a quarter-sized amount of aloe vera gel into the palm of your hand. Add a 1 to 2 teaspoons (5 to 10 ml) of witch hazel or infused witch hazel and stir it together using your fingertip. Spread the witch hazel aloe vera gel over the sunburned skin on your face and let it dry. Reapply the gel as often as you need to.  Spread a thin layer so the gel can dry. You should feel a cooling sensation on your face once the witch hazel aloe vera gel begins to work. Witch hazel can dry out your skin, so avoid applying it alone to a sunburn. If your skin is breaking out in pimples and zits, dip a cotton ball in witch hazel. Place the cotton ball directly on the blemished area of your skin and hold it there for a few minutes. You can do this 1 to 2 times a day until your acne clears up. Research shows that because it's an astringent and has antibacterial properties, witch hazel can reduce inflammation from acne and eczema. Dip a cotton ball or pad into witch hazel and press it onto any cuts or bruises on your face. Hold the cotton in place for 2 to 3 minutes. The witch hazel will improve drainage in your face, which will speed up healing. Apply the witch hazel to the bruises or cuts 2 to 3 times a day. Wet a cotton ball with witch hazel, and wipe it gently over your face and throat. This is an effective way to remove stubborn traces of makeup without vigorous rubbing that might irritate your skin.
Question: What is a summary of what this article is about?
Use witch hazel after cleansing to tone your skin and shrink pores. Reduce eye puffiness and undereye bags. Relieve the discomfort from a sunburn. Soothe irritated skin and fight acne. Heal cuts and fade bruises. Remove stubborn or waterproof makeup gently.

Q: Make sure the straps are loose--you can tighten them later if you need to. If you have trouble hooking a bra behind your back, you can hook the bra at the front and then twist it around your waist so the hooks are at your spine. The cups may feel empty or a little too big at this point, but that's ok. The band should be snug and low on your back. Pull all the soft flesh forward and up. Then hold the bra in the center between the two cups and jiggle it. Straps shouldn't be so tight they dig into your shoulders, but there should be no slack.  Does the bra pinch your breasts or make it look like you have four boobs? Then it's the wrong size.  Your nipples should be about halfway between your shoulder and elbow.  If your breasts are spilling out of the sides of your bra, you need a different size. Just because you are a 34C now doesn't mean you will always have those same measurements. If you've gone through a major body change or your bra doesn't feel right, take your measurements again. Get refitted if your weight has fluctuated more than 10 pounds, you've had a baby, started exercising regularly, or have completed hormone therapy.
A:
Hook the bra so it is hanging around your waist. Lean forward and pull the bra up from the front only, sliding your arms through the straps. Lean forward and, using the opposite hand, reach into the bra and pull the soft flesh near your armpits into the cup. Check the fit and tighten the straps. Remember your bra size is not permanent and will change along with your body.