In one sentence, describe what the following article is about: Once you have decided on the best lender and/or interest rate, request to see a blank copy of the lender’s rate lock form, if possible. This will give you an exact sense of what to expect before submitting your own application. If you have time, you can have the blank form looked at by your realtor and/or real estate lawyer for approval. If your lender charges a fee for locking in a rate, make sure that you understand the fee amount and how it is related to the conditions of the rate lock (such as its length).  Rate lock fees can be several hundred dollars. In many cases, a rate lock fee might be refunded, unless your mortgage application is canceled. When you are ready to lock in your rate, contact your lender. Depending upon the institution, you may have several ways to make the request (phone, fax, in-person visit, etc.). However you initially contact the institution, it is important to get the request in writing. Send a document that specifies the rate you would like to lock your mortgage in at, and any applicable points or other terms. Make sure that your request is signed and dated by you and any co-borrowers.  Most lenders will connect you with a mortgage consultant or office to contact when you are ready to request your rate. Your realtor or real estate attorney can help you in preparing this request. When sending your request, make sure that you have completed any application and made any deposit your lender requires to get a mortgage. Your lender should send you a letter confirming your request for a rate lock within a specified period (usually a brief one, such as 5 days). If your request is approved, you should get a written confirmation from your lender. Make sure that the confirmation displays:  The agreed-upon rate Whether or not the rate is guaranteed The property address The loan amount and program (i.e., the mortgage period) The lock in fee The lock in date The lock in expiration date Any special terms or conditions The lender’s and borrower’s signatures Making a rate lock request and even being approved for one are not absolute guarantees that an interest rate will not change. In certain situations, you can re-negotiate the rate lock terms; in others, you will either have to accept the new rate or seek a new mortgage. For example:  If rates change in between making a lock in request and its approval, the original request will be void. You will then have to re-negotiate the request, if desired. If you change the kind of loan you are requesting, or the terms of the loan (for example, the amount of your down payment), your rate can change. Your rates can also change if your credit score rises or falls during or after the process of making the rate lock request. If your income cannot be verified, lenders may not be able to honor a rate guarantee. A change in the appraised value of the home you are seeking to buy can also result in a change to your rate.
Summary: Review your lender’s rate lock form. Know what the fee will be, if any. Request the rate lock. Get the rate lock agreement in writing. Know when your rate may change even after a rate lock request.

In one sentence, describe what the following article is about: Ideally, the tips should have 2-3 leaf nodes. Remove the stem immediately below a leaf node. Cut off the leaves from the bottom half of the stem tips. Moisten it thoroughly. Repeat the same for each stem. Cut off any leaves that touch the sand. Use a spray bottle every day to keep the sand moist. Move it to a container with potting soil or a sunny garden spot.
Summary: Cut stem tips from a healthy carnation plant. Fill a planting container with coarse sand. Push the stem tip about 1/3-1/2 of the way into the sand. Place the container in a spot where it will receive even, indirect sunlight. Use a trowel to loosen the cutting from the sand one month after it grows roots.

In one sentence, describe what the following article is about: Smart Playlists allow you to give iTunes a set of parameters to make a playlist for you. For example, I could create a smart playlist that organizes all of my recent music label "rock," and iTunes would find all of the songs for me. To make one, click on the "Playlists" header at the top of iTunes, click on the small gray cross in the bottom left corner, then choose "New Smart Playlist." Smart playlists can make a list of all the music you've added that month, every one of your top rated "jazz" songs, only songs with high quality audio, your most played songs, and more. The smart playlist window allows you to tell iTunes where to find the music you want. From here, you can choose the parameters for your playlist:  The first box chooses how to organize you playlist (album, artist, genre, file size, etc.) The second box defines the parameter, (contains the phrase, is not, etc) The third box let's you input what songs you want to choose from. For example, if I want a playlist of all songs by "The Who," I would select "Artist" in the first box, "Contains" in the second, and then write "The Who" in the third. This means the playlist will contain all songs by the artist, "The Who." This lets you chose songs by genres, plays, date added, bit rate -- you name it. You can make as many parameters as you'd like and iTunes automatically sorts your songs. .." button to adjust parameters. For example, if you want to add The Who, but don't want any of the songs off of the album "Tommy," you can click "..." and choose "Album," "Does Not Contain" and write in "Tommy." Otherwise the playlist will just choose random songs. This is useful if you choose parameters like "recently added songs" or constantly download new music. Every time you open iTunes it will update the playlist for you. iTunes can take almost any song and find 20-30 songs like it, making a playlist for you. To make a Genius Playlist, right click on a song and select "Create Genius Playlist." You can then add or delete songs from this playlist like any other.
Summary:
Use "smart" playlists to let iTunes make playlists for you. Set the parameters for your playlist. Click the "+" button to add new parameters. Click the ". Make sure the "Match The Following Rule" box is checked. Check "live updating" to keep your playlist automatically up to date. Alternatively, make Genius Playlists to find similar songs automatically.