Q: Certain types of government-backed loans are much easier to assume than conventional loans. In most cases, you must meet the qualifications of the government agency in order to assume the loan.  Conventional loans usually prohibit assumptions; however, a bank may be willing to allow you to assume a mortgage if the current owner is in a financial bind that jeopardizes the payback of the note. Additionally, if the buyer has the potential to add a large down payment to the current loan, the lender may be more likely to allow the assumption of the loan. Always talk with the lender, a real estate professional, and a lawyer to ensure you can assume the loan. There are certain situations where you may want to assume a mortgage. For example, when you assume a mortgage you keep the interest rate that the original owner has on the loan. If interest rates have risen, then assumption may make financial sense.  People also assume mortgages when awarded a property in divorce or as a gift in a will. An assumption can also save you time. Typically, it only takes 30 days to approve a mortgage assumption. You will have to pay the owner for the equity that he already has in the property. For example, if the owner has $140,000 remaining on a mortgage but the selling price is $200,000, then you need to come up with a down payment of $60,000 to cover the equity that has built up in the house.  Furthermore, the lending company may expect you to put a substantial amount of money down in order to qualify you for the assumption. Assumption fees also apply, depending on where the property is located. Average assumption fees can range from $562-1062 or more.  Also understand that assuming the mortgage does not necessarily mean that you will be able to have identical terms as the current mortgage terms. Lenders often have the ability to alter loan terms if the loan is assumed, which could negate any benefit from assumption. Be sure that you understand precisely the terms of the mortgage before assuming it. If you need to make a down payment, then you should figure out how to come up with the money. If you do not have the necessary amount in cash, then check if you can borrow the money from a bank or credit union. You should approach a mortgage assumption in a similar fashion as buying a house with traditional financing.
A: Learn whether you are permitted to assume the loan. Decide whether assumption of the mortgage is a good idea. Find out how much it costs. Check whether you can obtain funds.

Q: Space the rubber bands several inches apart. The parts of your garment that are rubber-banded will stay the original color, while the exposed fabric will turn white when you bleach it.  You can get creative with your designs or you can just bunch up the fabric and put rubber bands on it to get a random and totally unique look. As closely tied as the rubber band or the string you use will be, the tenser removing it will become. If you want, instead or removing, you can cut off the rubber bands carefully, in the end. To create a traditional spiral tie-dye pattern, hold your garment with 2 fingers and twirl it so it twists tightly. Keep twirling until the entire garment is twisted into a tight knot. Secure the twirl with several rubber bands, then apply your bleach mixture. You can use a string to tie it up too. The tighter the spirals are secured, the better the distinction between darker and lighter areas will be formed. If you want to create a haphazard tie-dye, try using rubber bands to create several tight, small knots on the garment. Bunch these all together and secure with more rubber bands, then apply the bleach. Secure them tightly so the bleach doesn't seep through the knots. If you want to create a layered look, twist up your garment and apply rubber bands, then apply bleach to your fabric and let it sit for about 5-6 minutes. Take all of the rubber bands off your garment, twist your garment again, put the rubber bands back on, and re-spray the garment with the bleach mixture. Leave the second batch on for the 8-10 minutes, then rinse. After you’ve tie-dyed your garment, you can make a cool faded effect by dip-dyeing the fabric. In a large bucket, dilute another mixture of 1/2 bleach and 1/2 water. Dip the bottom few inches of your garment in the bucket and leave it for 5-10 minutes to create an ombre effect.
A: Twist your garment to create a pattern and secure it with rubber bands. Twirl the garment to create a spiral pattern. Create several patterns on the same garment with knots. Relocate the rubber bands and re-spray for a multi-hue effect. Create an ombre effect on your garment by dipping it in a bleach mixture.

Q: Dry brushing is a technique you can use with any brush where you start with a completely dry brush. Add a little paint to the very end of the brush, and wipe off any extra. Run the tip of the brush over the canvas lightly, which creates a feathery look. The key to this stroke is to not get too much paint on your brush. A fan brush is spread out like a fan, so it makes it easy to create things like palm tree leaves. Use the long side to make an edge, and then use the fan part to make the line thicker, pulling it down into thin leaves or lines. This technique is called impasto. Use your palette knife to pick up a blob of paint and apply it to the canvas. Don't smooth it out completely. Rather, leave some of it raised up to give the painting texture. This technique gives you permission to go a little crazy with your paint. Lay your canvas out flat, and then pour paint on the canvas. You can use a cup, the tube it came in, or a paint brush to drip it. For a splattering effect, hit the brush against your hand, letting the paint splatter on the canvas. For this technique, thin your paint with 1 part water to 2 parts paint. You can use a wide variety of household items to paint on canvas, such as a clean toothbrush, paper towels, a sponge, a cotton swab, or a toothpick. Experiment with different items to see what effect you like. Keep in mind that acrylic paint is permanent on many surfaces once it dries so only use items you're willing to throw away afterwards.
A: Try dry brushing for a feathery look. Use a fan brush to create multiple lines at once. Apply paint thickly with a palette knife for texture. Pour or splatter the paint on the canvas for a fluid effect. Add interesting textures with household items.

Q: Get in the habit of washing down the tub with a mild soapy cleanser and water every week. This will prevent dirt and grime from building up which would take longer to remove. Regular washing will also keep stains from forming in the acrylic tub and tile near the tub. Don't clean your acrylic tub with materials that can scratch the surface. Never use abrasive scrubbing pads or sponges. You should also avoid using steel wool which will also damage the surface. Instead, use soft cloths and sponges. For example, you could use a microfiber or terry cloth towel. You may need to use a drain cleaner or tub clog remover every once in a while. If you do pour this down your tub's drain, you'll need to rinse it away completely, so there's no cleaner or remover left standing in the drain area. If you leave cleanser or clog remover in the drain area, it could damage the acrylic surface. To avoid discoloring the tub, most acrylic tub manufacturers recommend that you never smoke in or around it. This is because tobacco smoke can permanently damage the tub.
A:
Clean the tub out weekly. Avoid using rough sponges and cloths. Rinse the drains thoroughly. Avoid smoking around the tub.