Article: Most people rinse rice for sanitary purposes, and to get rid of the starch dust. Starch is what causes rice to become sticky and clump together. If you cannot bear to eat rice without washing it, then rinse it once or twice—but don't rinse so much that the water runs clear. You still want some of that starch left. Using more water than you actually need will help make the ricer stickier and clumpier. Consider adding a dash of salt. This will give the rice some flavor and make it taste less bland. Do not cover the pot with a lid. Rice gets stickier the longer you let it sit. If you make it a day or two ahead of time, your rice will be extra sticky. If you do plan on waiting that long, however, you might want to cover the rice and leave it in the fridge so that it doesn't dry out or spoil. Transfer the rice to a serving plate. If you want, you can fluff it a little bit with a fork to make it less clumpy.
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Do not rinse the rice before you cook it. Fill a large pot with 2 cups (450 milliliters) of water and add a few extra tablespoons of water. Bring the water to a boil over high heat. Leave the pot, covered, on the stove for 10 more minutes. Serve the rice.
Article: ”   When applying for a mortgage, some lenders may offer to pre-qualify or pre-approve you for a mortgage.  It’s important that you understand the distinction between the two and what they mean for your chances of purchasing a home.  Pre-qualification can help you understand how much you can afford and can serve as an aid when choosing which houses to consider. Ultimately, however, pre-qualification adds little else to the process.  Being pre-approved, on the other hand, can demonstrate to all concerned that you are serious about purchasing a home and add weight to your offer.   Being pre-qualified means a lender discussed your financial situation, credit and income and determined that you are qualified for a mortgage level indicated in the letter of qualification. Being pre-approved means the lender actually examined your credit and confirmed your financial information.  A pre-approval is the more significant of the two steps, because it is supported by documented evidence. Being pre-qualified is no guarantee that you will be approved for a mortgage.  Being pre-approved is also not a guarantee but is generally seen as indicating a high likelihood that the applicant will be approved. There are a number of possible fees associated with mortgage lending, so it’s important that you discuss them with a lender before applying for a mortgage.  Be sure you have a thorough understanding of the fees and additional expenses you will be expected to cover as a part of the mortgage process with each lender.   Ask for a written estimate of your costs that includes a breakdown of all associated expenses and fees. Ask questions about any fees that you don’t completely understand.  It is your money. Don’t be shy about asking. Lenders may also charge "points" on your mortgage. A point is equal to 1 percent of the mortgage loan amount. In contrast, "discount" points might be offered, which is an opportunity to reduce the interest paid on the loan by prepaying it in the form of points. A lender might charge "origination fee points," which is a vague but profit-boosting fee added to the cost of your loan. The different costs associated with purchasing a home are divided into two categories: real and negotiable costs. "Real" costs are non-negotiable and cannot be adjusted, while you may be able to negotiate the remaining costs.  Understanding the differences between the two can help you approach the discussion well equipped to limit any additional expenses attached to the home-buying process.  Examples of real costs are: expenses associated with obtaining your credit reports, inspecting the house and the appraisal of the property. Negotiable costs include the commission the lender charges you for their work.  Lenders usually receive a commission of between 1% and 2% of the price of the house, but a commission of up 4% is not unheard of.  This cost is completely negotiable, however. It's best to discuss this commission with the lender well before the day that escrow closes. The best way to get a good mortgage rate is to present a good credit history. In addition, you will want to do some homework to find the best rate(s) available. Your interest rate determines how much interest you will pay over the life of the loan. A lower interest rate will reduce your monthly payments and the total amount you pay for the house. Compare the interest rates offered by several lenders, and consider any special programs you may be qualified for.   You can track current mortgage rates online from different lenders in your area on websites like BankRate.com. To look at current rates, go to http://www.bankrate.com/funnel/mortgages/  Get your paperwork to the lender as soon as possible when you find a rate you like. Rates can change overnight. Check with your bank or credit union about any incentives or special mortgage programs they offer existing customers. After researching your lending options and making sure all of your questions are answered, compare the lenders you haven’t eliminated, and choose the one that seems right for you. You should feel comfortable working with the lender you choose, and you should be confident that they can help you navigate the mortgage process.   Remember that mortgages can last for decades, so it’s important to choose a lender you can work with. The lender you choose should be willing to provide you with advice on how to improve your credit and get approved through the application process.
Question: What is a summary of what this article is about?
Learn the difference between “pre-qualified” and “pre-approved. Identify additional fees and prepayment penalties. Negotiate where you can. Analyze lenders' posted offerings. Select a lender.
Article: Doing this will record a video. You can record up to 10 seconds of video with Snapchat. This will apply filters to your snap. If you're using filters for the first time, you'll likely be prompted to allow Snapchat to access your device's location. Location access is required to be able to see any available geofilters in your area. The color filters can change the emotional feel of your video.  For example, using the black and white filter can add some nostalgia to the video. You can usually swipe the screen left to quickly access the color filters. Geofilters are location-based filters created by the Snapchat community. Many towns and cities have several geofilters to choose from, and you can find filters for landmarks and other locations as well. You can find the geofilters quickly by swiping from left to right after recording your video Snap. If your town doesn't have a geofilter yet, you can create and submit one yourself. This will play the video backwards allowing for effects like impossible catches. This filter has a picture of a rabbit, and will speed up the entire video to twice the original speed. You can use this to make a funny sped-up video, and is great for taking videos of your pets. This filter has a picture of a snail, and will slow down the video. One of the best uses for this filter is bypassing Snapchat's usual ten second limit on Snaps. By recording a full length, ten second video and applying the slow-motion filter, you can send a 20 second video Snap. Press and hold a filter and then swipe with another finger to combine two filters. You can combine many of the filters, such as the reverse filter with a geofilter, or the fast-forward filter with the black and white filter. You can't combine two filters that both have text in the center, such as the time and the speed filters.
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Tap and hold the circular button on the camera screen. Swipe right or left over your video. Tap Allow if asked to allow location access for Snapchat. Use color filters to change the feel of your video. Use Geofilters to add unique art for your current location. Swipe to the <<< filter to play the video in reverse. Swipe to the fast-forward filter to play the video at double speed. Swipe to the the slow-motion filter to play the video at half speed. Use two video filters simultaneously.