Problem: Write an article based on this summary: Submit proof of your identity. Provide confirmation of your living address. Include verification of your income. Submit information about any other current debt. Create security questions. Specify the amount you want to borrow. Understand your debt-to-income ratio.

Answer: You will need to provide your Social Security number.  This allows lenders to verify your identity and to gain access to your credit history.  Lenders will also need to see your passport or your driver’s license or state ID (if you don’t have a driver’s license). To verify your address, you will need to provide copies of recent utility bills, credit card bills, mortgage documents or a copy of your lease.  The documents need to have your name on them.  Typically, lenders ask that these documents be less than 90 days old.  Lenders may also ask for your previous addresses. Copies of your pay stubs for the past 30 days will likely be required.  Lenders tally your total salary or hourly wages to determine your monthly income.  They want to be sure that you have enough income to make the monthly payments.  They may also request certain tax records, such as your W-2 forms for the past two years. Other debt obligations may include student loans, car loans or credit card bills.  This is another piece of information that helps the lender evaluate whether you will be able to make monthly payments on the loan.  If your other debt obligations are too high, this may weaken your chances of getting the loan. For security reasons the lender might ask you a question to which only you would know the answer.  For example, you may have to provide your mother’s maiden name or the name of a favorite pet.  These security questions help identify you when you contact the bank to discuss information about your loan.  They help to keep your financial information private. Tell the lender how much you need to borrow.  The lender will want to know specifically how you will spend the money.  Also, you will need to state how long you need to pay the money back.  Plan to borrow only the exact amount you need and to pay it back as quickly as possible.  This way you avoid excess interest payments. Your debt-to-income ratio affects your credit score.  This looks at the amount of debt you have in relation to your total gross income.  When deciding on a loan amount, be sure to borrow only what you need in order to keep you debt-to-income ratio as low as possible.  Aim for a debt-to-income ratio of less than 36 percent. For example, if you earn $6,000 per month, you want to keep your total debt payments to less than 36 percent of this amount, or $2,160 ($6,000 x .36 = $2,160).  Plan to borrow an amount that keeps your total monthly debt payments close to this amount.


Problem: Write an article based on this summary: Use a good razor. Wash your face with warm water. Apply shaving cream while your face is wet. Use the right shaving technique. Rinse your face when you're finished. Apply moisturizer.  Trim your facial hair

Answer: Whether you like to be completely clean-shaven or you wear a mustache or a beard, you'll need to  shave parts of your face every few days. Get a sharp, high-quality razor to do the job, rather than getting the cheapest kind you can find. Your skin will feel and look better if you use a razor designed for a close, even shave.  If you use disposable razors, be sure to choose a brand that makes razors with double blades. These are more efficient and create a cleaner shave than a single blade.  You can get an electric razor if you don't need a very close cut. These razors should be used on dry skin. A straight razor will create a close, precise shave. If you decide to purchase a straight razor, it will take some practice to develop the skill to shave without nicking yourself. The warmth of the water will soften your skin and hairs, making it easier to shave. It's also important to cleanse your skin to get rid of dirt and bacteria on its surface in case you accidentally nick yourself shaving. This will lubricate your face so that the razor glides smoothly over its surface. Don't shave your face dry or without cream unless you're using an electric razor.  Try to find a shaving cream or gel without a lot of chemicals, which can dry out or irritate your face. Let the shaving cream sit on your face for a few minutes to further soften your skin and hair before shaving. It's not necessary to apply pressure to the razor when you draw it across your face. If the blade is sharp enough, the razor will do the job for you. Make sure you're shaving with the grain of your hairs, rather than against it, for a safe and effective shave.  If you're shaving off stubble that has had several weeks to grow out, trim it using beard clippers first. Get it as short as possible before shaving. Dip your razor in warm water to unclog it every few minutes while you shave. Pull your skin taught as you shave to get the closest possible cut. Use cold water to soothe your face and reduce bleeding from any nicks you might have gotten. Pat it dry with a towel - don't scrub. Use a moisturizing product that will soothe irritation from the shave. Be sure to use a product that doesn't contain ingredients that could sting your face after shaving. . Use a sharp beard trimmer or scissors to trim your remaining facial hair into shape to keep it looking neat.


Problem: Write an article based on this summary: Dab the sponge into the makeup. Bounce the Beauty Blender over your face. Use the pointed edge to apply the makeup to smaller areas. Wash the sponge after you use it.

Answer:
To use your Beauty Blender to apply foundation, concealer, blush, highlighter, setting powder, or any face makeup, press the damp sponge into the makeup. Don't dab it too hard, though, or you may wind up picking up too much product.  For makeup products such as foundation, tinted moisturizer, BB cream, or concealer, it helps to put some on the back of your hand and dab the sponge into it there. For the best results, don't apply the makeup directly to the Beauty Blender. For makeup products that are in a compact, such as cream blush or highlighter, you can dab the sponge directly into the pan. For loose powder products, such as setting powder, shake some into the lid and dab the sponge into it there. For makeup items that you'll be applying to large areas of the face, such as a foundation or cream blush, dab the rounded bottom of the sponge into the makeup. For makeup that you're concentrating in small areas, such as concealer under the eyes or highlighter along the cheekbones, dab the pointed end of the sponge into the makeup. When you've dabbed some of the makeup onto the sponge, tap the round bottom against your skin to apply the makeup. Don't wipe the sponge across your face, but bounce it to gently stipple or press the makeup into the skin for a flawless finish.  Stipple the sponge over your skin until all of the makeup is evenly blended. It may take a couple of bounces in the same area to fully blend the makeup. You don't have to press the sponge very hard against your skin to blend the makeup. Bounce it gently, and the sponge will do the rest of the work. To apply concealer or foundation under the eyes, around the nose, along the lips, or in another small areas, press the pointed edge of the Beauty Blender against the skin. You'll want to press a little harder than you would with the rounded edge to ensure that the makeup is completely blended into the skin. Because the Beauty Blender sponge is so absorbent, it can easily grow bacteria. You want it to be clean the next time you use it, so try to get in the habit of washing it after each use to ensure that it's always ready when you need it.  Beauty Blender makes a liquid and a solid sponge designed specifically for washing your sponge. If you're on a budget, you can also wash your sponge with an antibacterial, fragrance-free dishwashing soap. A bar of antibacterial soap also works well for cleaning a Beauty Blender. To wash it, moisten the sponge with warm water and work some of the soap or cleanser into it. Create a lather, and keep washing until the water from the sponge runs clear. If there's a stain on your sponge that doesn't come clean from washing, soak it in a mixture of liquid soap and warm water overnight. If the makeup still doesn't come out of the sponge, try treating it with a thin oil, such as baby oil, before washing it. The oil can help break down the makeup that's trapped inside. Let your Beauty Blender sit out to air dry after you wash it.