Write an article based on this "Understand when to say no. Learn why it's hard to say no. Accept your power and importance. Accept that others are the same. Understand that “no” isn't cruel."
article: Two-year-olds are famous for saying “no” like it's going out of style, because they've only recently learned that such a thing is possible, and the new chances for independence it provides are fun and exciting. Two-year-olds are also known for being selfish and thoughtless. However, they're on to something: it's okay to say no. What separates adult usage of the word is that we can learn when it's appropriate and when it isn't.  Saying no when you just don't feel like doing something is okay, as long as the thing you're being asked to do won't reflect on your job or school performance. There's nothing wrong with wanting time for yourself instead. Saying no because you don't have the time to meet a commitment is okay. Others often don't realize how difficult making such a commitment would be, given your schedule; some people do know, and are only asking just in case, even though they know you'll probably decline. Saying no to a situation that makes you uncomfortable is perfectly okay. You never have to step outside your personal comfort zone to accommodate the wishes of anyone else (except, perhaps as an active-duty soldier following orders). Saying no when you're asked to buy something is okay. There are many different specific reasons a person might find it hard to say no to others, but the common thread that ties them all together is worry – worry about what the outcome will be if you say no. It's normal to worry about decisions that you make, but it's important to understand two things: first, worrying won't change what happens after you've made your choice; second, worries should never stop you from acting in your own best interests to begin with. No matter what your reason for being scared to say no, it stems from your worries about what will happen when you do. Will people still like you? Will you miss an important opportunity? Will you seem lazy, uncaring, or incompetent? Acknowledge that you don't say no because you worry, then accept the fact that worrying never helps anything, regardless of the outcome. Like a piece in a jigsaw puzzle, you're a vital part of the landscape around you – it wouldn't be complete without you in it. This applies no matter whether you're always out with friends, or you sit at home and hide all day. The fact is, no matter who you are, your presence in the social landscape is valid. Furthermore, the decisions you make have an effect on that landscape. This means you owe it to yourself and those around you to make honest decisions, for the betterment of everyone – whether they realize you're helping or not. Worrying about what will happen when you say no is symptomatic of a larger problem: worrying about the power you wield over those around you. Acknowledge that you wield that power no matter what you do or say. Though people vary in terms of personality, opinions, and attitudes, one thing they all have in common is a presence in the social landscape around them, same as you. It's an immutable fact of living in human society. Therefore, controlling and channeling your own presence in such a way as to help you be happy is really the only sensible choice there is. It's not as though you have some great and terrible reserve of influence nobody else has: if you say no, you're only exercising the same power everyone around you also has. How they react to your decision is their business, not yours. You have every right to set boundaries for yourself. After all, your friends do, and people still like them. In fact, being assertive or even aggressive about what you want won't make you hated or despised. The only thing that will make that happen is openly treating those around you as though they're inferior. Saying “no” isn't an expression of superiority; it's an expression of mutual respect. By itself, saying no isn't rude, mean, or uncaring. We attach those qualities to it when we speak in a rude, mean, or uncaring way while telling someone no. There's no reason you can't firmly decline and still be pleasant and polite; therefore, there's no reason to fear making a poor impression because you say no, as long as you're mindful of how you say it. In other words, once you understand that it really is okay to say no, the rest is just learning how to say it politely.

Write an article based on this "Understand personal bankruptcy. Decide between filing chapter 7 and chapter 13 bankruptcy. File your bankruptcy petition with your local U."
article: Bankruptcy is the process of eliminating some or all of your debts in exchange for either regular payments or a seizing of your property. Although it may not seem like an enviable option, it's the smartest way out of an underwater mortgage for many homeowners. When you file for bankruptcy, the foreclosure proceedings can be stopped with an automatic stay. In order to qualify for bankruptcy, you have to complete a means test, pre-bankruptcy credit counseling, as well as acquire the correct paperwork such as tax documents. There are essentially 2 different kinds of bankruptcy declarations, each with their own unique rules and specifications. As they relate to stopping a foreclosure, they are briefly described below:  In chapter 7 bankruptcy, you ask to have most, if not all, of your debts discharged by the courts. In exchange for this discharge, the courts can take any property not exempt from collection, sell it, and distribute the proceeds to your creditors. With chapter 7, you won't be able to keep your house, but you will be able to stall the foreclosure for at least a couple of months. For chapter 7 bankruptcy, you will be able to keep your home if it is the only property you own and if you currently reside there. Though the debt will be discharged, you must continue to make payments on the home in order to keep it. If you do not make the payments, the lender can foreclose on the property. In some states, you will be able to discharge the debt and move out without any recourse, but in other states the lender may be able to come after you for the debt. In chapter 13 bankruptcy, you agree to a plan to pay back all or most of your debts over a certain period of time. The time you have to repay the debt, as well as the repayment plan itself, depends on how much you earn, as well as the types of debt you currently own. With chapter 13, you should be able to keep your home, especially if you think you'll be able to make payments in the future. The repayment plan usually lasts three to five years. S. Bankruptcy Court. Meet with a lawyer and declare your bankruptcy. Start making payments. After a while, attend a meeting of the creditors. This is a meeting between you and a bankruptcy trustee. However, your creditors may also attend. This meeting will give you a better sense of where foreclosure proceedings are at. Bankruptcy attorneys usually collect their fees before a bankruptcy begins because they don't want you to go bankrupt as a result of their fees. The fees could cost $1500 to $3000 or more depending on how complicated your situation is. Find an attorney who charges a flat fee and who has experience with bankruptcies.

Write an article based on this "Place the whole cloves into the glass jar. Fill the jar with olive oil to one inch above the line of cloves. Seal and shake the jar. Let the jar sit for ten to fourteen days. Strain out the cloves if desired."
article:
If you are using whole cloves, use clean hands to place five to ten cloves in the one ounce jar. If you are using ground cloves, you can place ¼ cup of ground cloves into a 12 ounce jar. If you decide to use a higher amount of cloves in the oil, keep in mind the oil will be more potent and you may need to use less of it when applying it to your skin. Once the cloves are in the jar, slowly pour the olive oil in the jar until it sits one inch above the cloves in the jar. If you are using ground cloves, you will pour one cup of olive oil into a 12 ounce jar. Let the one cup of olive oil drain into the jar completely. Make sure the jar is well sealed before you shake the jar three to four times. This will ensure the cloves and the oil are well combined. The cloves and the olive oil need time to interact so the olive oil can extract the chemical properties of the cloves. You should let the jar sit in a cool dark place and ensure it is sealed well to avoid any contamination of the oil. After ten to fourteen days, you will have useable clove oil. You can decide to keep the whole or ground cloves in the oil or strain out the cloves. This is based on preference and is not required to use the clove oil.  To strain out the cloves, place the cheesecloth or the coffee filter over a clean glass jar. Keep the cloth or filter in place with a rubber band around the top of the glass jar. Slowly pour the oil over the cloth or filter into the clean glass jar. The cloves will then be strained out of the oil. If you decide not to strain out the whole cloves or ground cloves, you can use the same cloves several times by filling the jar up again with olive oil and letting it sit for ten to fourteen days. After two to three uses, you should replace the old cloves with fresh cloves.