There are four points to choose from when sharpening your pencil. The most common is the standard point. It’s a sharpened point that resembles a cone.  A chisel point is created by using a knife to cut the end of the pencil into a chisel shape. This allows people to draw two types of lines with the pencil; the tip creates a thinner but darker line, and the flat sides of the chisel point create wider lines with softness to them. The chisel will keep itself sharp as you draw. However, the chisel point can be harder to draw with unless you’re practiced at it. Artists sometimes use this pencil point. The needle point is a sharp concave point carved with a knife. It is a very fine point and can be prone to breaking. However, it’s good for use in drawings with needle-point detail. Carve the wood around the pencil down more deeply to expose more of the graphite. A bullet point pencil carves away wood from the pencil’s last centimeter. Then carve the end into a bullet shape with a knife. You can make many different types of lines with a bullet point.
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One-sentence summary -- Choose a point style.

Q: You will need to provide your Social Security number.  This allows lenders to verify your identity and to gain access to your credit history.  Lenders will also need to see your passport or your driver’s license or state ID (if you don’t have a driver’s license). To verify your address, you will need to provide copies of recent utility bills, credit card bills, mortgage documents or a copy of your lease.  The documents need to have your name on them.  Typically, lenders ask that these documents be less than 90 days old.  Lenders may also ask for your previous addresses. Copies of your pay stubs for the past 30 days will likely be required.  Lenders tally your total salary or hourly wages to determine your monthly income.  They want to be sure that you have enough income to make the monthly payments.  They may also request certain tax records, such as your W-2 forms for the past two years. Other debt obligations may include student loans, car loans or credit card bills.  This is another piece of information that helps the lender evaluate whether you will be able to make monthly payments on the loan.  If your other debt obligations are too high, this may weaken your chances of getting the loan. For security reasons the lender might ask you a question to which only you would know the answer.  For example, you may have to provide your mother’s maiden name or the name of a favorite pet.  These security questions help identify you when you contact the bank to discuss information about your loan.  They help to keep your financial information private. Tell the lender how much you need to borrow.  The lender will want to know specifically how you will spend the money.  Also, you will need to state how long you need to pay the money back.  Plan to borrow only the exact amount you need and to pay it back as quickly as possible.  This way you avoid excess interest payments. Your debt-to-income ratio affects your credit score.  This looks at the amount of debt you have in relation to your total gross income.  When deciding on a loan amount, be sure to borrow only what you need in order to keep you debt-to-income ratio as low as possible.  Aim for a debt-to-income ratio of less than 36 percent. For example, if you earn $6,000 per month, you want to keep your total debt payments to less than 36 percent of this amount, or $2,160 ($6,000 x .36 = $2,160).  Plan to borrow an amount that keeps your total monthly debt payments close to this amount.
A: Submit proof of your identity. Provide confirmation of your living address. Include verification of your income. Submit information about any other current debt. Create security questions. Specify the amount you want to borrow. Understand your debt-to-income ratio.

Article: Starting a business involves making a number of choices that will affect your tax and personal liability. These choices should be made with the help of a business lawyer whenever possible. To find a qualified attorney, ask your friends and family for a referral. If you cannot get a referral from someone close to you, visit your state's bar website and use their lawyer referral service or lawyer search function. For example, in California, you can speak with a professional for free who will analyze your needs and get you in touch with lawyers who can help.  Before you hire an attorney, make sure you go through an initial consultation. During this consultation, ask the attorney about their experience with creating and registering companies, their level of success, and their history of attorney discipline. When you find an attorney you like, be sure to work out an acceptable fee arrangement and get the agreement in writing. The way you organize your business will affect the types of taxes you owe and how you file your returns. For example, sole proprietorships and corporations file income tax returns. In contrast, partnerships file information returns, which is a reporting of income and expenses.  If you create a corporation, the entity itself is subject to corporate income tax at both the state and federal level. Also, all dividends you distribute are subject to individual tax rates on the person's personal tax return.  If you create a limited liability company (LLC), the Internal Revenue Service (IRS) will treat it as either a corporation, partnership, or as a disregarded entity. Each of these decisions will affect how you pay your taxes. If you create a nonprofit, you may qualify for tax exemption at both the federal and state level. Certain business structures offer protection from personal liability for the debts of the business. However, these businesses are often more complex and require more paperwork and more reporting. On the other hand, if you choose a business structure that does not relieve you from personal liability, you may be required to pay for the debts of your business out of your own pocket. In general, LLCs and corporations offer personal liability protection while sole proprietorships and partnerships usually do not. Different business structures are required to raise capital in different ways. Before you create and register a company, you will want to consider how effective you are at raising money using different means.  If you create a corporation, you will have to raise money through loans and personal investments (i.e., the purchase of stocks or the use of venture capitalist firms). If you create a nonprofit entity, you will raise money through personal donations and grants. The type of business structure you choose will dictate the type of recordkeeping and reporting you are required to do. In general, corporations will require the most recordkeeping and reporting while partnerships and sole proprietorships will require the least. Corporations are often required to maintain contracts, leases and other agreements; licenses and permits; and payroll and personnel files. Corporations are also required to make annual reports in many states.
Question: What is a summary of what this article is about?
Consult an attorney. Consider taxes. Determine how much personal liability you want to face. Decide how you want to raise funds. Think about paperwork.