In one sentence, describe what the following article is about: Applying for a loan can actually hurt your credit score, which can, in turn, hurt your ability to get a loan. This happens because each time you submit a loan application, your lender will check your credit score. Each time your credit score is checked, your credit score can go down. With a lower credit score, you'll have a harder time finding a lender and will get worse rates. The effect on your credit score will not last longer than a couple of months.  Try to get an idea of the lender's interest rates before you submit an application. Some lenders offer a pre-approval process that will give you a ballpark estimate of what loan you can get, without the lender pulling your credit report. The lender will ask you to your credit and you need, to be honest, because the estimate the lender gives you will be based on what you tell the lender. Of course, the lender might tell you that you need to submit an application to be given a personalized offer. If this happens, tell the lender you're happy to take your business elsewhere if it can't give you a ballpark figure for interest rates on a loan. If the interest rate is prohibitively high, you do not want to apply in the first place. A large part of the process of getting a loan is preparatory; a precursor to the actual application process. Once you establish your ability to repay a loan and decide on a lender, that lender will give you specifics on what documents you need to provide and what kind of paperwork you will have to sign. The whole process shouldn't take more than five to 10 days before you are either accepted or rejected, depending on how quickly the credit check goes out and the lender's underwriting standards. Be prepared to deal with questions and possibly supply personal information to the lender to help the lender make the correct underwriting decisions. If you do not hear back from the lender within the 10-day time period, you can always call and speak to a person you originally spoke with about the loan application. When you get a personal loan, origination fees are usually tacked on to the principal and any interest you may be expected to pay. Origination fees vary from lender to lender but expect to pay anywhere from 0.5 percent to 5 percent, depending on your creditworthiness.
Summary: Pick one loan institution and only apply there to begin with. Apply for a loan. Wait for the lender to get back to you. Pay any necessary origination fees.

Some items, such as chenille, towels, and flannel are more likely to shed lint in the washer than others. Once you know what the culprit is, wash it separately the next time you do laundry. This will keep lint from transferring to the rest of your clothes in the wash. Some fabrics, such as corduroy and velvet, tend to attract lint more than other fabrics. It might be a good idea to wash them separately, or at least apart from fabrics you know shed a lot of lint. If you cannot wash the items separately, try to turn the items that attract lint inside out before you toss them into the wash. The vinegar will help remove lint from clothing. It will also help keep the lint from sticking as much. Vinegar will also help deodorize laundry. Items, such as tissues, will deteriorate in the washer and dryer, and cause even more lint. Be sure to check the pockets and take out any scraps of tissue, fabric, or paper. If something has a lot of lint on it, try to remove the lint using a lint roller before you toss it into the wash. If you don't remove the lint, it will just transfer to everything else. Whenever you wash something you know sheds a lot of lint, wipe down the drum of your washer with a towel. If you don't do this, any residual lint may get onto the rest of your clothes during the next wash. Take each garment, and give it a good shake before you toss it into the dryer. This will help knock off any lint that may have gotten onto the fabric in the washer. You will only need half a sheet for a small load, and a full-sized sheet for a regular load. The dryer sheet will help reduce static, which is what causes lint to stick to clothing in the first place. When you open your dryer, there should be a tray inside the door, or just inside the machine. If you can take out the try, do so, and tap the lint off into a trashcan. If you can't take the tray out, scoop the lint off with your fingers. If you don't do this, that lint may get onto your clothes the next time you dry them. Dryers catch a lot of lint, and if they are not clean, they can transfer the lint to your clothes. Air-drying clothing reduces lint. The wind may also help knock off any specks of lint. You can dry your clothes on a clothing line, or on a clothing rack. The sunlight and fresh air will also help kill any odor-causing bacteria, leaving your clothes smelling nice and fresh.
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One-sentence summary -- Know what causes lint, and wash those items separately. Know what items attract lint, and wash them separately. Add ¼ cup (60 milliliters) of white vinegar to the washing machine. Check and empty pockets before washing the garment. Try to de-lint items before washing them. Wipe down the inside of your washing machine after washing a lint-shedding item. Shake items after washing, before you put them into the dryer. Remember to use dryer sheets in the dryer. Clean the lint trap in your dryer after each cycle. Try to air-dry instead.

Problem: Article: Put small sugar crystals or sanding sugar in a medium-sized bowl. Then, roll the cake pops around in the sprinkles. Shake out the cake pops to remove any excess sprinkles and stand the cake pops upright so they can dry. Another option is to take a handful of sprinkles and drop them onto the wet cake pops. This can give the cake pops a lighter sprinkle decoration. Put a bowl or plate below the cake pops so you can collect the excess sprinkles and reuse them. Place chopped peanuts, walnuts, pecans, or cashews in a bowl. Then, take a wet cake pop and roll it around in the chopped nuts to coat it. Use your fingers to drop chopped nuts on the sides of the cake pop so it is covered. Add chopped candy pieces to the wet cake pops. Roll them around in the chopped candy so they get a nice coating. Put buttercream frosting in a small piping bag with a narrow tip. Then, hold the coated cake pop in one hand and pipe the frosting onto the cake pop with the other. Spin the cake pop around in your hand as you add the frosting to make a spiral design, vertical lines, or a horizontal line design.  Put a plate underneath the cake pop as you pipe on the frosting so it can catch any excess frosting or frosting that drips down. Another option is to put small dots of frosting on the cake pops for a fun design or write letters or shapes with the frosting. Frosting looks best on cake pops that have already been dipped in candy coating. Pick 2-3 different colors of candy coating. Melt them in separate bowls. Then, dip the cake pop in the first color and let it harden. Once it has dried, dip it half way into the second color and let it harden. Finally, dip it 1/4 of the way into the third color and let it dry for a layered color look.  You may use white for the base color to make the other colors stand out. Try layering colors like blue, red, and white, or green, purple, and pink. Look for shimmering food coloring at your local grocery store or baking supply shop. It usually comes in the form of a spray. Apply a few spritzes of the shimmering food coloring to give the cake pops a nice, even color.  Use an iridescent shimmering food coloring for a pretty, shiny sheen to the cake pops. Shimmering food coloring looks best on cake pops that have already been dipped in candy coating.
Summary:
Dip wet, coated cake pops in sprinkles. Add chopped nuts or candy pieces to wet, coated cake pops. Pipe frosting onto the cake pops. Layer the cake pop in different colored coatings. Add shimmering food coloring to the cake pops.