Write an article based on this "Borrow from friends or family Ask about seller financing. Pay with cash. Consider a rent-to-own option as a last resort."
article: . One way to get a loan without waiting the two or four years a financial institution would require is to ask friends or family if they will help you. You are not eligible for a mortgage, so the person would have to buy the house and then you would pay them the mortgage payments. After two years, or when you become eligible, you may be able to take over the mortgage.  This is not a decision which should be taken lightly. Only ask if you are completely certain that you have a steady ongoing income, and will be able to meet the costs. Consider the fact that if you fail to pay off the loan, your friend or family member will be liable for your payments. This could affect their credit or damage their financial stability. If you do progress with this you will need to document everything and have clear written agreements on the rates and payment schedule.  You may need to complete the promissory note and mortgage agreement to ensure the deal is legal and all parties are protected. Seek legal advice to ensure you won’t run into trouble, which could ruin your relationship. Seller financing is where the buyer owns the house and the seller provides them financing. Instead of getting a mortgage from a financial institution, the seller lends the buyer money to purchase the house. Of course, the seller is subsequently repaid by the buyer with regular mortgage payments. However, many seller financed mortgages are short-term and have a balloon payment due at the end. This means that the buyer should find a way to refinance before the term is up.  Seller-financed mortgages are often a good way to get a loan when traditional loans are unavailable to you. However, the risk taken by the seller in lending to you means that interest rates charged on these loans are typically high. Refinancing within the loan term is essential. If you can't secure another mortgage within this time, you will be stuck with a very large balloon payment and no way to pay it off. One way to buy a house after bankruptcy without waiting until you are able to get a mortgage, is to buy a house without getting a mortgage at all. If you have the cash to purchase an inexpensive house outright, then you can do this. This is not particularly likely, but if you find an opportunity and have the money, you can do it.  Avoid the temptation to take loans, even small ones, from subprime and payday lenders to support a purchase. They may be more willing to lend to you despite your credit rating, but it is a big risk. Opt for a more patient approach to rebuild your credit and secure your financial future. Seek assistance from a professional to understand the legal implications of making a cash purchase, including possible declarations to the IRS. Several websites provide listings of rent-to-own homes in every area. Pay a deposit on a house you want to buy, which is still owned by someone else, and agree to an overall purchase price. Pay the owner rent every month, and all or some of that rent money can be used towards a down payment on the house you are living in. Consider seeking legal assistance to get an agreement that will protect your interests.  Build your credit, and when you are able to get a mortgage, the owner of the house can sell it to you at the price you initially agreed to. The owner can use your rent as a down payment. Keep in mind that these types of transactions can be extremely risky. If the seller still has a mortgage, they could end up getting foreclosed on. In this case, you may have to move out without recovering any of the money you put into the home.

Write an article based on this "Provide an indoor compost bin. Make recycling easy. Educate your staff on ways they can recycle at the office."
article: Place a compost bin in your workplace kitchen or break room and your encourage workers to add their lunch scraps to it. Charge one employee with emptying your compost bin into an outdoor container on a daily or weekly basis. To make your business a greener place, put a well-labeled recycling bin next to every trash can. Put extra recycling bins in the break room, by the copy machine and in the mail room to encourage your employees to recycle rather than just throwing stuff away. Place a memo above the recycling bin telling employees what items should go in the recycling bin. This will both help prevent confusion and will inspire recycling. You will need the participation of your staff in order to become a green business. Some easy things to start recycling are paper, plastic, and aluminum cans. Make sure your staff knows where they can find the recycling bins and what goes in them by holding a staff meeting that explains the benefits of recycling in the workplace and the expectations of all employees to participate in company recycling.

Write an article based on this "Tap your Home button. Tap the "Music" app. Tap the "Library" tab in the lower left corner of your screen. Tap a song. Tap the song's play bar at the bottom of the screen. Swipe up on the song page. Tap the "Repeat" button. Tap the Repeat button again."
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If you have a passcode enabled, this will prompt you to enter your passcode; otherwise, this will take you to the Home screen. This will open your Music app to the last song, playlist, album, or similar item that you had open. This will open your music library. This will begin to play your selected song. You should see a bar pop up at the bottom of your Music app with the song's name and pause button. This will open your song's specific menu; if your song's menu is already open (e.g., displaying artwork in the middle of the page), proceed to the next step. This will scroll down the page; you should see an option entitled "Up Next" with two buttons next to it. This is the option with two arrows pointing in opposite directions; when you tap it, it should become highlighted in red, meaning that your playlist will repeat without ending. You can also enable "Shuffle" from here by tapping the button with two intertwined arrows. This will place a small number "1" in the top right corner of the Repeat button icon; your individual song will now repeat until you disable this option! Tapping the "previous song" or "next song" buttons while on repeat will now change the song that's playing, regardless of the repeat function.