A lender will pull your credit history to decide if you are a good credit risk. For this reason, you should review your credit history before applying for a loan. You can get a free credit report from each credit reporting bureau every year by visiting www.annualcreditreport.com or calling 1-877-322-8228.  Study the report for errors. For example, information might be included on your report that isn’t yours. Instead, it might belong to someone else with a close name or Social Security Number. Also, credit reports sometimes list the incorrect payment status on accounts or don’t include remedied problems, such as an account paid in full.  If you find errors, then dispute them with the credit reporting bureau whose report contains the error. It can take up to 60 days to complete the dispute process, so plan accordingly. There are two types of loans available to purchase apartment buildings. A non-recourse loan is secured with the building itself. They are available to certain buyers if the building is worth $2.5 million.  The other type is a recourse loan. With this loan, you will be personally liable on the loan. This means that if you default, the lender can come for your personal assets, such as your home. Loans can be long term (up to 30 years) or short term (five, seven, and 10 years).  Interest rates can be fixed or variable. If you pick a variable rate, then the interest rate will change as the loan matures. You’ll need to submit quite a bit of paperwork to a lender when you apply for a loan. You will probably need to submit the following, so gather it ahead of time:  property description, including year of construction and number of units pictures of the property map showing the property’s location and competitor apartment buildings plans for upgrades information on rents copies of floor plans purchase price and closing costs names of others involved in the transaction (such as attorneys, real estate brokers, and title companies) You can apply for a loan with many different lenders and the choose the one that offers the best terms. Share your supporting documentation with them and then complete the required application.  After you submit the application, a loan officer will review your application. They may reach out to you for additional information.  You’ll then receive a term sheet or letter of intent from all lenders you applied to. This document will identify all the parties, the type of security, the amount financed, and other key terms. The purpose is to make sure everyone understands the terms of the loan. You sign the letter of intent or term sheet for the most attractive loan. Submit it to the lender. You may need to pay a deposit at this point or submit supporting documents, such as an appraisal. Wait to receive the final, full loan commitment from the lender.

Summary: Review your credit history. Understand commercial loans. Gather required documents. Apply for a loan.


If he's already looking at you, he has taken interest in you. This method works better in room full of people. If he is just as flirtatious and friendly, he may be playing the field a bit. If he is clearly reserving something special for you, it's a direct hit. For example, pretend to fall over and act a little upset about it.  If he is at your shoulder for the rest of the day, this proves he may be interested in you. If he teases back, tease him more. Playful bantering often occurs between lovers, as this is a way to cause laughter and happiness. If he immediately smiles back, this is another sign that he might like you. If he asks questions about your reactions to certain actions (ex: "How would you react if I did [insert action] to you?"), there's a possibility that he wants to know how you'll react to him doing something a little more personal with you. Usually best friends tell their friends who their crushes are. If he doesn't tell you or acts embarrassed, he may not want to admit his feelings to you. Keep acting innocent, and try to persuade him to tell you. For example, say something along the lines of, "Please? We're best friends. You know I won't tell anyone." However, avoid pushing him too hard, or he may grow uncomfortable.  Talk to him in private to see if he confesses his feelings for you.

Summary: Briefly glance at him every so often. See how he acts around other girls. Intentionally do something that would be potentially upsetting to you. Tease him. Smile at him. Talk about who you like (assuming that you like this guy/girl too). Ask him who he likes. If you do like him, try reversing the strategies listed to show you like him. Tell him that you might be interested in him.


When you wake up from a nightmare, chances are you will be in somewhat of a panic. Take the following steps quickly to help you break this panic and start to ground yourself:  Sit up quickly after awaking from your nightmare. Sit on the edge of the bed, with your feet on the floor. Focus on your surroundings. Start naming the things in your room. Calmly reassure yourself. Tell yourself you are safe and fully awake. Try to sleep again. If you can't after fifteen minutes, do something relaxing until tired. While you can reassure your mind that you are awake and safe, it is also important to reassure your senses and body as well. Ground each sense by taking the following steps:  Taste. Try eating something strong, like a mint. Avoid sugar as it will affect sleep. Touch. Touch something with a rough texture or cold temperature like an ice cube. Smell. Keep a comforting and strong smell next to your bed such as coffee or cloves. Sound. Choose a comforting sound or listen to gentle music. Calm breathing can help lower heart rate and reduce any state of panic or stress that a nightmare can have on you. By following the steps of this technique, you can greatly improve the speed at which you recover after a nightmare:  Breathe in through your nose, with mouth closed, and hold for five seconds. Exhale slowly. Mentally think of a word such as “relax” or “calm” as you exhale. Hold for five seconds and then inhale again. Practice this breathing throughout the day, before bed, and after any nightmare. Right after you wake up from a nightmare, try not to think about what it was you experienced. Sitting in bed dwelling on the nightmare will only increase anxiety, which will make it difficult to fall back asleep, as well as increase the likelihood of another nightmare.  Wait until the morning to analyze and examine your nightmares. Get out of bed and ground yourself immediately. Try making a cup of tea and reading a calming book in low, soothing lighting. Reassure yourself that you are safe, check that the doors and windows of your house are locked. Remind yourself that although frightening, the nightmare is over, and it was only a dream.

Summary: Calm down quickly. Ground your senses. Learn how to breathe calmly. Don't dwell on your nightmares.


Lip plumpers are popular makeup products that can be purchased at all makeup stores and most big box or convenience stores. Individual instructions will appear on the product's packaging, but most lip plumpers should be applied to clean lips and should start showing results within 5 minutes. Mix 2 teaspoons of cinnamon oil with a 1 teaspoon of coconut oil or Vitamin E oil. Apply a thin layer of the mixture to your lips with a small applicator brush, and let it sit for 15 minutes before applying any lipstick.  You should be able to see and feel results within 5 to 10 minutes. The mixture may feel tingly, but it should not hurt. If you begin to feel actual pain, rinse off the mixture with water immediately. Keep this mixture in a jar or tube for continued use. There are numerous natural ways to plump up your lips, including the oil from red peppers. Capsicum, the spicy element of red peppers, also comes in the form of an oil. This oil improves blood flow and circulation, so it acts as a natural plumping serum when applied to your lips.
Summary: Purchase a formulated lip plumper. Use cinnamon oil to plump your lips. Make a homemade lip plumper out of red pepper oil.