Problem: Write an article based on this summary: Improve your credit, if necessary. Get pre-approved for a mortgage. Analyze the market. Set an opening bid. Draft a purchase offer. Write a letter of interest. Submit your offer.

Answer: You’ll need a good credit score to qualify for a conventional mortgage—usually around 620. To get the best interest rates, you’ll need a score around 740 or better.  Check your credit score and get copies of your credit report. Go through your credit report to see if there are any errors. For example, someone else’s debts might be listed on your report because they have a similar name or Social Security number. Dispute any wrong information. The best way to improve your credit is to pay down debt. Consider whether you need to delay buying your townhouse until you improve your credit score. You’ll be in a stronger bargaining position if a lender pre-approves you for a mortgage. The process is easy. Gather financial documents, such as your paystubs, bank statements, and tax returns. You can complete an application either online or by visiting the lender.  Work only with lenders who have experience underwriting loans for townhouses. Some lenders don’t know how to classify townhouses and consider them condos. However, the difference between a townhouse and a condo is that a condo has no land attached to it, whereas a townhouse includes the land under and around it as specific in the lot map. A townhouse includes the land in its value, but a condo has no land as part of its value. If you’re approved, you’ll receive an approval letter which is good for only 90 days. Plan your house hunting accordingly. In a hot market, sellers can usually get their asking price (or more) because there are multiple bidders on the same house. However, in a cold market, buyers have more power. Look at how long the townhouse has been on the market. Also check how much comparable homes have sold for. If you have a real estate agent, they can do a Comparative Market Analysis. However, you can also check websites such as Zillow and Trulia yourself to see what similar townhouses have fetched. Bid appropriately, based on the market. If it’s cold, then come in a little under the asking price, e.g., 5% below. If you think the home is wildly overpriced, then make an appropriate bid based on your market research and be prepared to justify your offer.  In a hot market, make your first offer your best one. You probably won’t have a chance to negotiate. Don’t forget you’ll need to give the seller earnest money, which is around 1-2% of the purchase price. This money shows that you are serious about buying the house. Agents typically have forms they use. If you don’t have an agent, you might be able to find a form online or by contacting your state’s Department of Real Estate. In some states, only a lawyer can draft a purchase offer.  A purchase offer is legally binding if accepted, so be sure it includes all necessary information. Even if you don’t have a lawyer draft it, ask one to review it.  If you need to sell your home to buy the townhouse, include a contingency to that effect. A letter of interest can give you an edge in a hot housing market. You should describe your family and why you love the townhouse. Try to find a connection with the seller, e.g., you both attended the same college or you both have children. You should give the seller’s agent your purchase offer, your earnest money, and any letter of interest. If your bid is lower than the asking price, you can include a list of comps you used to calculate what is a fair market price.


Problem: Write an article based on this summary: Launch the Facebook Messenger app. Open the conversation you want to encrypt. Open the conversation details. Tap the "Secret Conversation" option. Start chatting with your encrypted conversation. Set a timer for your messages. Identify your encrypted messages.

Answer: Encrypted messages are only available on the Facebook Messenger app for iOS and Android. They are not available on the Facebook website or the Facebook mobile app. You can turn any conversation with another person into an encrypted conversation. You cannot encrypt group messages. On iOS devices, you can tap "Secret" in the upper-right corner when starting a new message to enable encryption. On Android, you'll need to enable it after starting a message. You can do this by tapping the person's name at the top of the screen (iOS) or by tapping the ⓘ button in the upper-right corner (Android). You'll be prompted to enable secret conversations for your device. You can only send and receive a secret conversation from one device at a time. This means that once you make a conversation secret, you'll always need to access it from that device. To switch devices, you'll have to start a new secret conversation. Once you enable a secret conversation, the other person will have to accept it. This means they'll need to be using Messenger for iOS or Android as well. The feature may not be available to all users. After they accept, your conversation will be encrypted. You can only attach pictures and stickers to encrypted messages. GIFs, videos, audio, and calls are not supported. Tap the Timer button in the text box to select a timer for the message. This will set the message to automatically delete a certain amount of time after the recipient reads it, providing an extra layer of security. On your conversation list, secret conversations will have a padlock icon next to the recipient's profile picture. You may have multiple conversations with one person, since secret conversations are separate from standard Facebook messages. Secret conversations also have a black background instead of a blue one when opened.


Problem: Write an article based on this summary: Choose at least 4, or more, players. Blindfold one of the players. Everyone else stands around this person, a little distance away. Ask the blindfolded person to run around like crazy. When the blindfolded player touches a person, he or she must guess who the person is. Continue until you're all too tired or bored with the game.

Answer: This person must stand in the middle.  He or she must try to touch someone, while everyone else keeps bouncing away. A correct guess means that the roles swap. An incorrect guess means that the blindfolded player has to chase and guess again.


Problem: Write an article based on this summary: Put on a strapless bra. Put on a bra with straps over the strapless. Create an X-back for dramatic cleavage.

Answer:
It is best to use a bra with molded cups and padding. It is also possible to use strapped bra, if you don't have a strapless. For maximum effect, this second bra should also have molded cups and padding. You may need to adjust the back closure a notch wider than usual to accommodate the bra underneath. Straps that cross in the back tend to pull the breasts together, creating more cleavage. You can convert your bra into an X-back by grasping the straps together behind your shoulder blades and lacing them through a paperclip or safety pin.