Problem: Article: You can buy a ready made canvas of any size in a craft store. It will be prepared for immediate use; however, there are no rules saying you have to use a primed and stretched canvas. In fact, abstract artists often use unstretched, unprimed canvases. If you prefer a colored background, buy a jar of Gesso to prime the canvas and give it a touch of color. The primer should dry quickly. Decide whether to use acrylics or oil paint. Acrylics have no odor and are easy to work with since they dry fast and can be painted over if you make a mistake. Oils, on the other hand, aren't usually used because they take longer to dry, have an odor, and do not allow you to paint over mistakes. Pick whatever brushes you like to use with the paint you've already chosen. You might also consider using a palette knife to apply paint, giving it a textured look. While some artists like to use an easel, many abstract artists choose to place their canvases directly on the floor in order to be closer to the work. If you're unsure about what colors work well together, think about picking up a color chart/wheel. This will actually show you which colors compliment each other. Depending on how messy you're planning on getting, it's wise to change into an old shirt or painting smock. Wearing something you're not worried about will allow you to focus more on the painting or process of abstract art. You may want to lay down newspapers to prevent drips or spills, especially if you plan on flicking paint or laying the canvas on the ground.
Summary: Find a canvas. Choose your paints. Gather brushes and other tools. Change into painting clothes.

Problem: Article: If you think you'll be at risk for missing a monthly payment or possibly several, putting you at risk of foreclosure, reach out to your lender immediately. Don't sweep the problem under the rug. As weird as it may sound, it's in the lender's best interest not to foreclose on you, as it costs close to $30,000 by some estimates for the lender to foreclose. That's time, hassle, and money down the drain for the lender; they want to avoid foreclosure if at all possible. Talking to your lender will start a dialogue in which both parties can talk about possible solutions before foreclosure becomes the only option. Let the lender know if your problems are temporary. If you've incurred unexpected medical bills or have been laid off, for example, the lender is more likely to give you a reprieve until you've got your head above water. They might ask you to make a payment in 1 lump sum, or even freeze your monthly payments if you're lucky. As far as the lender is concerned, 50% of something is better than 100% of nothing. That means they'll often be willing to modify the terms of your loan to get you paying something, even if it's not the original monthly amount.  Try to extend the amortization period. Amortization period is a fancy word for the life of the loan. If you make the life of the loan longer, your monthly payment will go down. Change the interest rate. The interest rate of your loan is determined by your credit rating, as well as other factors. Suffice it to say that it can be lowered in order to make monthly payments more manageable. Switch from an adjustable rate to a fixed rate. Adjustable rate mortgages (ARMs) usually start off with a pretty low interest rate and then shoot up over the life of the loan. They look nice to start off with but they actually end up being pretty expensive. Switching from an ARM to a fixed rate — where the interest rate stays the same for each monthly payment — can save you a lot of money as well as make the monthly payment much more manageable. Asking for forbearance is a temporary way to stall the foreclosure proceeding, but it works in a lot of instances. Forbearance allows you to either pay partial payments or no mortgage payments for a specified time agreed upon by you and the lender. You must, however, eventually pay the full amount forbore. You may agree to 1 lump sum payment to catch up on your mortgage or make extra payments in addition to your monthly mortgage payments. A housing counselor will work on your behalf to get your finances back on track and find a compromise between you and the lender so that foreclosure can be avoided. A good quality counselor will usually be a good investment, especially if they help you hold onto your house. Be weary of those housing counselors who "guarantee" a stall or stop in the foreclosure process. These counselors often charge exorbitant sums (think thousands of dollars) and sometimes only stall the proceedings, leaving you no better off than you were to begin with. Visit the Department of Housing and Urban Development's website to see a full list of approved housing counselors. Keep in mind that you will not be able to file a written answer if there is a deed of trust, which you can determine by checking if you signed the mortgage for a loan or for a deed of trust. If you do have a deed of trust, the lender can foreclose on the property outside of the courtroom and is only required to give notice. Each state has different rules regarding the notice, but it is generally a certified letter in addition to a posting on the door that notifies you of the foreclosure. If you pay the default before the foreclosure, you can stop it.
Summary: Reach out to the lender and explain your situation. Try to modify the loan in your dialogue with the lender. Ask for forbearance. Consider hiring a housing counselor. Pay the default balance if you do have a deed of trust.

Problem: Article: The marijuana plant’s resin can be difficult to wash off.  Wearing disposable rubber gloves will protect your hands from its sticky buds. Marijuana plants are fragile and can be sensitive to rough treatment.  Trimming your plant must be done carefully.  Sharp sewing shears or a sharp kitchen knife should be adequate to trim your plant.  Fiskars shears are a good option for trimming. Gardening shears are also commonly used to trim marijuana.  Large fan leaves can be plucked with your fingers, as well as clipped with scissors or shears. You should not simply discard the leaves you trimmed.  They can be used to make marijuana foodstuffs or hashish.  So before trimming your marijuana plants, set three cookie sheets or other wide containers near the plants you’ll be trimming.  On one sheet, set untrimmed buds.  On the second sheet, set newly trimmed buds.  And on the last sheet, set the leaves and other plant matter you trim from the plant. The top of your marijuana plant should have a cluster of white hairs sticking out the top of it.  These are the plant’s pistils, or reproductive organs.  As the plant ages, these pistils will change from white to brown.  When about 70% of the pistils have darkened to a reddish brown, your plant is ready for harvest. Most people trim their marijuana plants before drying them.  This is known as a “wet trim.”  A wet trim makes it easier to separate leaves from buds, and produces better-looking buds.  However, some people trim the plants after the buds of the plant have dried.  This is known as a “dry trim.”  This is the preferred method of trimming in a low-humidity environment, since the leaves will slow the drying process and you want the buds to dry slowly.
Summary:
Wear gloves. Use the right tools. Arrange a system to separate your trimmings. Harvest your plant at the appropriate time. Decide whether to wet trim or dry trim.