INPUT ARTICLE: Article: A down payment requires you to pay a certain amount of money on the spot. This amount is usually determined by the purchase price of the house and the lender requirements (it may be anywhere between 0% and 25% of the selling price of the house). When you apply for a mortgage, the mortgage lender will want to know how much cash you have available for the down payment. Look at all your liquid assets, such as your savings and/or any monetary gifts from family members, to determine a likely maximum downpayment. Be aware that most private lenders will be looking for "seasoned" assets, meaning they've been in your account for two months or longer. Quickly transferring money into your account right before you apply for a loan may still cause your loan application to be rejected, even if you have enough for the down payment. Lenders want to see that you are able to save and that you're not lying about your income. For a typical FHA or conventional mortgage, you will usually only be allowed to borrow about 80% of the appraised value. Your down payment will have to cover the difference between that and the selling price. This means that in order to buy a house, you'll need about 20% of the value of the home.  Note that the appraised value may be higher or lower than the selling price of the house.  Start thinking about how much you'll need for a down payment for the house you want and how much you can reasonably afford. If you have $30,000 saved for a down payment, for example, you can use it as a down payment for a home that costs $150k. Different financing plans require different down payment amounts. You may get a conventional loan or be eligible for a government-backed loan, such as a VA or Federal Housing Administration (FHA) loan.  If you can't afford a 20 percent down payment on your home, but have good credit and steady income, a mortgage broker may assist you with a combination mortgage. In that, you're taking out a first mortgage up to 80% of the value of the home, and a second mortgage for the remaining amount. While the rate on the second mortgage will be slightly higher, the interest on it is tax-deductible and combined payments should still be lower than a first mortgage with PMI.  Certain cities offer programs to support homebuyers. For example, Atlanta offers a program called Invest Atlanta that gives qualified homebuyers an interest-free second mortgage to cover the cost of a down payment. Search online for housing assistance programs in your area. If you're a military veteran, you may qualify for a zero-down payment mortgage through the U.S. Department of Veterans Affairs (VA). These mortgages do not require PMI and protect the buyer from paying too much in closing costs, making them a great deal for those who qualify.  A FHA loan is insured by the government and may allow a private lender to reduce your down payment to between 3.5 and 10% of the purchase price. Usually you need a minimum credit score of 580 to qualify for a FHA loan.  Conventional loans are  not insured by the federal government and usually require 10–25% of the purchase price for a down payment. While most banks will be reluctant to loan to a buyer making a very low down payment, government programs may help you get a mortgage with a down payment as low as three percent. In addition to FHA loans, look into low down payment loans through the lenders Freddie Mac and Fannie Mae. Putting down less usually requires more of the buyer and an additional form of insurance, but can be a reasonable way for new buyers to achieve their dreams of homeownership.  In order to get one of these loans, a buyer must:  Buy private mortgage insurance (PMI). This can cost $50 per month or more depending on the value of your home.  Have a fair credit score (usually over 620) Provide evidence of income, job status, and assets. Undergo homeownership counseling    Be aware that there are risks associated with these programs. While your down payment will be very low, you may end up paying a great deal more in the long-term due to potentially higher interest rates and paying into a PMI, which does not increase equity.

SUMMARY: Consider your assets. Know how much you will need for a down payment. Understand the various financing programs that might be available. Consider paying less than the standard amount.


INPUT ARTICLE: Article: Depending on the size of your hand and the agility of your fingers, you might want to use a smaller or bigger coin. For example, American quarters tend to work for a lot of people, but you can experiment with different sized and weighted coins to see what works best for you.  Bigger and heavier coins may help beginners get better grip and control of the coin. Keep in mind that this trick will require lots of practice. It will take time to coordinate the movements of your fingers while controlling the movement of the coin.

SUMMARY: Choose your coin.


INPUT ARTICLE: Article: Dig out, divide gently, then replant both the old and the new plants. Pull off a healthy shoot without a flower, along with some of its heel (the woody section of the plant). Make a clean cut across the base of the heel and strip off the lower leaves using a sharp and clean knife. Dip in hormone rooting powder. Plant it so that the soil reaches almost up to the leaves that have been left on, but leave some stem peeking up.  Keep in a cool spot out of direct sunlight as the cuttings take root. Mist for the first week or so but don't overdo it. Expect roots to have formed within a month. They can then be left to grow as usual or replanted in the garden.

SUMMARY: Divide the roots in the spring. Take stem cuttings from late spring to early autumn (fall). Plant in well-draining and moist compost enhanced soil (half sand and half compost is ideal) inside a container.


INPUT ARTICLE: Article: on your esophagus to widen it. In this procedure, your doctor will insert dilators into your esophagus to widen it using a scope that is inserted in your throat. You will be under general anesthesia during the surgery so you will not feel any pain. This surgery is invasive but it is considered less extreme than a myotomy. If medication and other treatments do not work, your doctor may suggest a myotomy, where the muscles at the lower end of your esophagus are surgically cut. This can then weaken esophageal contractions in your throat and make it easier for you to swallow. You will be under general anesthesia during this procedure so you will not feel any pain. It is considered a serious surgery and is often only done as a last resort if other treatments for your spasms do not work. You will need to stay in the hospital overnight after the surgery and allow 1-3 weeks for recovery. It will be difficult for you to swallow solid foods so a liquid diet, and some soft foods, are good during your recovery. You will also need to go in for a special X-ray of the area to ensure the surgery was successful.  Your doctor will also schedule a follow up with you one to two weeks after the surgery to ensure the area is healing properly and there are no signs of infection. Foods will be limited to baby food, rice, and foods put through a blender.

SUMMARY:
Get dilation surgery Consider a myotomy if your symptoms are severe. Allow several weeks for recovery from the dilation or myotomy surgery.