Summarize the following:
If your income varies from month to month, divide your total annual income by 12 to get your approximate monthly income. You’ll use this number to decide how much you can spend each month on housing expenses. Your housing expenses shouldn’t be more than 28% of your monthly income. The amount should cover your mortgage payments, taxes, repairs and maintenance, and homeowners’ insurance fees. Once you know about how much you can afford to pay per month, you’ll be able to figure out the total amount you’ll want to spend on your new house!  Use online mortgage calculators like https://smartasset.com/mortgage/mortgage-calculator. These calculators will help you find out your mortgage terms, including your mortgage payment, interest rate, number of payments, frequency of payments, fees, and lender insurance, if applicable. Online calculators allow you to change these factors and see how the changes will affect your monthly expenses. Don’t forget to factor in your credit. The better your score is, the better mortgage rate you’ll receive. If your credit isn’t very good right now, talk to a financial advisor about ways to improve it before you buy your home. Remember, you’ll need to have cash ready for your down payment, closing costs, moving fees, repairs and new stuff, several months of mortgage payments, and emergencies. All told, this will add up to about 28% of the total cost of your home plus whatever you need for 6 months of mortgage payments and other expenses. So if your home value is $250,000 USD, make the following calculations:  $250,000 x 0.20 = $50,000 USD for your down payment. $250,000 x 0.05 = $12,500 USD for your closing costs. $250,000 x 0.03 = $7,500 USD for repairs and new furniture/decor. With a mortgage payment of $800/month, 6 months’ worth would be $4,800 USD. With monthly expenses of approximately $2,000/month (not including your mortgage), 6 months’ worth would be $12,000 USD. If you add in moving fees of $1,500 USD, the grand total you’ll need to have saved when you buy is: $88,300 USD. As soon as you know exactly how much you need to have saved up to buy your house, divide that by the number of years you plan to save for. Then, divide that number by 12 to see how much you’ll need to put away each month. Say you want to save $88,300 in 6 years. Your calculations will look like this:  $88,300/6 = $14,717/12 = $1,227 USD. When you make calculations, round up rather than down.

summary: Write down your monthly income. Multiply your monthly income by 0.28 to see what you can afford. Use your target home value to add up what you’ll need to pay right away. Figure out when you want to buy your home.


Summarize the following:
Don’t chase your ex or push him to have one last conversation with you, even if you think it would give you closure. For whatever reason, he doesn’t want to talk to you, so leave him alone. You’ll regret it if you spill your feelings to someone who doesn’t care about you.  If you really get tempted to call or text your ex, call a friend instead, or turn off your phone and write in a journal. Remove him from your phone contacts, or ask a friend to do so. First things first: stop holding out hope that you and your ex might get back together. He probably wouldn’t be ignoring you if he felt the same way. Tell yourself firmly that it’s over, and make a conscious decision to start moving on. Discourage yourself from pining by thinking about all the reasons you and your ex weren’t right for each other. For example, maybe he never cared about your opinion or wasn't quite fond of your friends. You can’t pour your feelings out to your ex (and that might not be a good idea anyways), so pour them out on paper instead. Write a letter to your ex with everything you wish you could say in person. Don’t send it – put it away somewhere or throw it out. Repeat as many times as you need to. For instance, you might start by writing something like, "Dear Jamie, I'm really hurt and shocked by our sudden breakup. I thought we would last..." Give your relationship a funeral by burning or throwing away a present, a love note, or something else that reminds you of your ex. Make sure to do this somewhere you won’t set anything else on fire. You might also donate items in good condition to Goodwill.

summary: Avoid contacting your ex. Accept that the relationship is over. Write down your feelings. Perform a symbolic act that represents the relationship's end.


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One of the key aspects of your alien characters should be how they look. To make your aliens seem convincing and interesting, you should try to be as detailed about their physical characteristics as you can. Because you are writing fiction, you have the ability to create as many strange and interesting details about your alien characters as you like. Avoid using familiar images or descriptions of aliens and use your imagination.  Think about how the aliens walk and move their bodies. You should also think about how their bodies are proportioned. They do not necessarily need to walk on two legs and have limbs like humans. They may have physical characteristics that have evolved due to their world or environment. For example, maybe your aliens have antennas on their heads because they can feel shifts in the wind in their world, allowing them to hunt for food more effectively. You should also think about whether there are different genders in the alien world and how the bodies of different genders appear. You do not have to be limited by male or female genders. Maybe the alien race has a third gender that is asexual or a combination of male and female genders. Avoid creating the alien characters in the shadow of humans and get creative with language, thinking beyond English or other languages found on Earth. You may decide to create an alien language that may then be translated with the help of a computerized device or an implant in the human brain. Your alien race may also communicate in other ways besides language or words. Maybe they use their antennas to send messages to each other or have the ability to communicate through telepathy. Perhaps they use a system of body movements to communicate. The humans in your story may also be key characters in the narrative, so you should create humans that are just as interesting as the aliens. Your main character may be a human with a special ability or a unique characteristic. Creating nuanced humans in your story will make it that much stronger. For example, maybe your main character is a human who has been gifted with the ability to read minds. This human is then able to access the conversations of the alien overlords, who have enslaved the human race. This ability could allow the human to save the humans from the aliens and become the hero of the story. Once you have sketched out your characters, you should identify the central conflict. Doing this will give the story an end goal and frame the narrative for the reader. It will also allow you to use your characters to build tension in the story. The central conflict may be between your alien characters or between an alien character and a human character. For example, maybe the central conflict of your story is that aliens have taken over the human world because their planet is no longer habitable. This alien invasion may then result in a human hero who tries to fight the aliens with a special ability and help from other humans in his community. Or, maybe the central conflict is that humans have enslaved aliens who have crash landed on their planet. The humans may then try to hide the aliens and experiment on them. This may then result in one alien who tries to oppose his human captors.
summary: Describe the physical characteristics of the aliens. Create an alien language or way of communicating. Give the human characters special abilities and unique characteristics. Determine the central conflict of the story.