Write an article based on this "Take apart the pen to look inside the heating chamber. Check that the screws are in place. Adjust the screws to restore the power circuit. Straighten a paperclip to use as an adjusting tool. Move the wire away from the walls. Continue adjusting and testing the pen. Replace the heating element if the pen still doesn’t work."
article: Unscrew the mouthpiece from the pen again. Continue removing pieces until you are able to see the wire coil inside the heating chamber. It will be right above the lowest section, which contains the battery. Make sure the pen feels cool before touching it. The pen most likely won’t heat at all if the coil needs adjustment. Don’t touch the coil if you feel heat coming off of it. The coil screws into the heating chamber in 2 places. The first screw is at the bottom end of the coil, holding it in place above the battery. The other screw is at the top end, fastening the coil to the wall of the heating chamber. If the screws aren’t in place, your coil likely isn’t either. Take it to a vape pen shop to find replacement screws. The screws can come loose, especially after adjusting the coil. Unscrew the heating chamber if possible to access them. Use a small screwdriver or a toothpick to reach in and twist them slightly. Turn the screws clockwise to tighten them. Avoid tightening the screws too much or else the coil won't heat. Work in quarter-turns and test the coil as you go by turning on the power. Heating coil placement is a common cause of shorts. A paperclip is a good tool for reaching into tight spaces in the chamber and nudging the wire into position. Straighten out the clip, bending the end slightly into a hook. The wire should rest in space inside the chamber. Push the paperclip inside the chamber and use the hook end to jostle the coil. Only the ends, held in place by the screws, should touch the walls. Turn the power off before touching the coil with the paperclip. Metal on metal can permanently break your pen. Remove the paperclip and turn the pen on. If it still doesn’t work, use the paperclip again. Lift the coil a little, then push it down gently to center it over the bottom screw. Nudge it to the side to align it with the top screw and walls. Then test the pen again. Once the coil begins heating like usual, put the pen back together.  Unfortunately, aligning the coil isn’t an exact science. Coils are finicky and it takes a little luck sometimes to find the proper positioning. The wire moves out of place easily as well. Dropping the pen, or even bumping it too hard, can cause it to shift. Your first option is taking the pen to a professional vape shop. Sometimes an experienced professional can find a way to repair it. If not, either get a replacement pen or purchase a new heating coil. Having a professional repair an old pen is often cheaper than replacing parts, and getting a new heating element can spare you from the cost of buying a whole new pen. Note your pen’s brand to get an exact replacement. Usually the replacement is a whole new heating element, so all you have to do is unscrew the old one and affix the new one by hand.

Write an article based on this "Announce the name and time of death in the first sentence. Include a short summary of their life as the next paragraph. Add a short paragraph about hobbies, passions, or personal characteristics. List close family members in the third paragraph. Provide details about the memorial and funeral service if it’s public."
article: In your opening sentence, start with their name, where they lived, and when they passed away. You don’t need to provide the cause of death if you don’t want to. Keep the sentence brief and to the point so you can expand the obituary in other places.  For example, you may write, “On the morning of June 10, 2019, John Smith of Atlanta died at the age of 80.” If you don’t want to use the word “died” because it feels too blunt, try using phrases such as “passed away” or “went to be with the Lord” if they’re religious. List the city where they were born, their parents, and important events that happened in your loved one’s life. You can either list events chronologically or you can put them in order of what you feel is the most important. Try to use as few words as possible so the obituary is concise.  For example, you may write, “John was born to Tom and Jill Smith in 1950. He received his bachelor’s degree in 1976 and managed John’s Restaurant in Atlanta for 22 years. In July 1980, he married Jane Doe, and together raised two children, Anna and Benjamin.” Create a list of major points in your loved one’s life on a separate sheet of paper so you have options to choose from. Avoid listing their mother’s maiden name or your loved one’s birthdate in the biography since identity thieves could steal the information and commit fraud. Including personal details will capture the spirit of your loved one so others understand what their life was like. Create a list of hobbies or activities they actively participated in and how it affected other people.  For example, you may say, “John was an avid car collector in spare time. When he wasn’t working at his restaurant, he would restore classic cars and show them at car shows. He was known for his good sense of humor and his contagious laughter among his friends.” You don’t need to include this section if you don’t have the space for it in your obituary. Mention close family members, such as immediate family and parents, by name. When you want to list extended family, use a collective phrase or list the specific number. For others that have passed away before your loved one, use the phrase “preceded in death by,” and use “survived by” before listing any relatives still living. For example, you may write, “John is preceded in death by his father, Tom, and his mother, Jill. He is survived by his wife, Jane, his 2 children, Anna and Benjamin, and several cousins, nieces, and nephews.” If you’re holding a public service, list the time and date along with the name of the funeral home. Make sure to list the specific details so others who were close to your loved one know where to go.  For example, you could write, “A public memorial service will be held at 11:30 AM on June 13th, 2019 at the Church of Christ.” You do not have to provide any information if there is not a public service.

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.