Problem: Write an article based on this summary: Approach close relatives. Consider friends and extended family. Explain the advantages to the lender. Detail how the borrower will benefit.

Answer: Borrowing money to buy a house is a major commitment, potentially involving hundreds of thousands of dollars. For this reason, it’s a good idea to start by canvassing those closest to you, who know you the best, and are able to make judgement about your reliability. Your close family will know you as well as anybody, and should understand your financial situation.  Never be pushy, or make demands. Rather, be understanding and appreciate that a potential lender is taking a risk to help you. Your parents will want to support and help you as much as they can, but you will need to present a good argument and indicate the mutual benefits. Your parents may feel obliged to help you, but you must ask them to carefully consider whether or not they can afford it. You may also want to consider talking to your extended family as well as some of your friends. You will have to think carefully about who may be interested in helping you, and who has the means to lend you the money. If you deal with friends, there may be a somewhat different dynamic to the relationship.  Friends are more likely to see a loan as a mutually beneficial way for them to invest their money. Don’t be surprised if a distant Aunt you haven’t seen for twenty years isn’t interested in lending you money. When you approach somebody, it is essential that you are able to fully outline the potential benefits to the lender. The main benefits to the lender are a good rate of interest and a steady income stream. With interest rates very low across the world, savers and investors are receiving little return on their money. A loan to a friend or family member could result in a better rate of return than she would get from a bank.  A loan for a house is such a large sum of money that the loan will be repaid over a long time. The lender will thus have a regular and reliable income stream long into the future. Having this predictable income can be a great help for the lender. Depending on who you are talking to, and what the context is, it can help to explain how exactly the borrower will benefit. This can go beyond the fact of you being able to buy a house. Borrowing from a friend or family member may mean you are able to secure a loan at a lower rate than if you were borrowing from a bank. Perhaps this lower rate is what makes the purchase possible.  You may also be able to pay back the loan on more flexible terms, or with an unusual repayment schedule. For example, you might be able to agree to pay only interest for the first year and then start paying back the loan itself in the second year. Don’t take any of this for granted, and make it clear that you are committed to repaying the loan according to the terms and schedule you agree.


Problem: Write an article based on this summary: Place the cheesecake onto a plate, and sure that it is completely cool. Consider covering the entire cake with frosting. Crumble a handful of Oreo cookies until they resemble coffee grounds. Sprinkle the ground Oreos over the top of the cake in an even layer. Fill a piping bag with whipped cream. Pipe dollops of whipped cream all around the edge of the cake. Cut 8 Oreo cookies in half using a sharp knife. Place each Oreo half onto the dollops. Consider chilling the cake before serving it. Finished.

Answer: You will be adding whipped cream onto the cake. If it is still warm, the whipped cream will melt and make an oozy mess instead. Leave the cheesecake on the springform pan's base. You can put it onto a regular plate or onto a cardboard cake circle. This will help the cookie crumbs stick to it better. If you made a 2-inch (5.08 centimeters) high crust, leave that part uncovered. For an extra touch, mix some finely crumbled Oreo cookies (the texture of coffee grounds) into the whipped cream first. Apply the whipped cream with a spatula. If the frosting is too sweet for you, add a pinch of salt to it. This will help cut the sweetness. You need enough to cover the entire top of your cake. How thick that layer is depends entirely on your preference. Use a food processor or a blender to grind the cookies into a fine dust. If you'd like, you can also press some into the sides of the cake as well. You can do this by cupping your hand, filling it with crumbs, and then gently pressing it against the side of the cake. When you are done, sweep any excess crumbs off the plate. If you are adding cookie crumbs to the side of the cake, you will need to coat it with frosting first. Use a star-shaped decorating tip for the bag. You can also use a can of whipped cream instead—the type that you spray out of a nozzle. If you have any whipped cream leftover, you can add another small dollop of it in the center of the cake. Aim to have about 16 dollops. This way, each dollop will get topped with one Oreo cookie. Be careful not to break them. You can also use mini Oreo cookies instead; this way, you won't have to cut them. If you don't have enough cookies, simply cut some more. These will serve as a guideline for cutting: each slice will get one cookie-topped dollop of whipped cream. If you put some whipped cream in the center, top it off with another Oreo cookie. If you like your cheesecakes nice and cool, leave it in the fridge for 30 to 60 minutes. This will also help the whipped cream topping to set and harden.


Problem: Write an article based on this summary: Widen your tongue so that it rests against the upper molars on either side of your mouth. Purse your lips firmly, pressing them against your teeth. Practice breathing without puffing your cheeks out.

Answer: This creates an air passageway along the roof of your mouth. Be sure not to allow any air to escape through the sides. By forcing air through this channel, you will able to produce a sharp whistle instead of breathy noises.  Position your tongue closer to the roof of your mouth by drawing the tip toward your bottom front teeth. Place the sides of your tongue alongside your molars. This will fatten your tongue, narrowing the air channel along your palette while simultaneously creating a wider gap at the front of your mouth through which to push the air. The positioning here is crucial. To produce a whistle, you must force air around a sharp bend, which in this case is created by your front teeth and tongue. Forcing the air higher along your palette makes this bend even sharper. This reinforces the sharp bend in the air passageway produced by your front teeth. Resist the urge to jut your lips out, which will produce a breathy sound.  Pout your lips outwards like you are kissing and form a small hole, smaller than the size of the circumference of a pencil. Your lips should be kind of hard and tense with lots of wrinkles – especially your bottom lip. It should protrude out a little more than your top lip. Don't let your tongue touch the top or bottom of your mouth. Instead, let it hover in your mouth around the back of your front teeth. To whistle, the air needs to stay along this path – it cannot rest in the sides of your cheeks. If anything, they should be slightly caved in on the sides as the result of your pursed lips. Imagine sucking through a straw – that's the look you should have at all times. When you inhale, it should be difficult to get your breath – that's how small the hole formed by your lips should be. You will then be able to control your breath through this hole, making it last much longer than you would if you were speaking or singing.


Problem: Write an article based on this summary: Provide snacks and drinks. Make a playlist Play games so you can all participate in something together. Sing karaoke Have a bonfire outside on a cool night if you have a fire pit.

Answer:
Fill a cooler with ice and a variety of drinks, including sodas and water bottles, to keep in your main party area. Have a variety of snack foods, like chips and desserts, so your guests can graze and eat whenever they like. Let your friends know about the snacks and drinks right away.  Ask your guests if they have any food allergies and adjust your snacks accordingly. Ask your parents to see if they can order pizzas for you and your friends. Otherwise, plan to have some frozen pizzas to make as the party goes on. of music that you and your friends like. Consider what all of your guests listen to and make a playlist on your preferred music app. Have the music playing in your main party area through a Bluetooth speaker or a computer. Try to find pop or electronic music that you and your friends can easily dance along with. Use an online radio like Pandora ,Spotify, iheart radio, or you can  make personalized music stations. Whether it’s video games, board games, or party games, have a variety to pick from so everyone is included. Find games that will make you all laugh and have fun together, such as Apples to Apples or Mario Kart.  Avoid games like Spin the Bottle or Truth or Dare. Set time limits or rules if you have video games at your party so all of your guests can get a turn playing. Don’t get too competitive. Just have fun! songs for a fun twist. Use either a karaoke machine if you have one or look up the songs you want to sing on YouTube with the search term “karaoke.” Even if you don’t have microphones, you can have fun singing along to your favorite songs with your friends! Create a karaoke game by making it a singing competition like The Voice. Set up enough folding chairs around the fire so everyone can sit down. Ask your parents to help you start the fire if you feel uncomfortable starting it yourself. Enjoy the time outside with your friends and tell stories to one another.  Stay aware of the fire risk levels in your area. A fire may not be safe if it’s been dry or windy lately. Get marshmallows, chocolates, and graham crackers to make s’mores.