user: INPUT ARTICLE: Article: Make sure your hair has been freshly washed and is still damp. Then, use a comb and pass it through your hair a few times. Run your hand through your hair when you are done combing.  Check for any knots or bulges.  Try and shake them loose, then pass your brush/comb through the area again. This section of hair should be from the front of your face.  Each section is usually around ½” thick.  Pull the strands out, away from your body, and hold the ends in between your fingers with one hand.  You will want to hold your hand about 2-3 inches away from the ends of your hair. Take the shears to the outer section of the hair and cut the hair diagonally about one inch inward from the outer tips.  If you want to you can flip the shears around and cut at the same spot, but with the shears facing the opposite direction. This should be immediately behind the first section you just finished thinning out.  Pull the hair outward and hold the section of hair in between your fingers. Take the thinning shears and cut through the section of hair, starting one inch away from the tips.  Once more, you can flip the shears around and cut in the same spot for added thinning/shaping. Make sure that you get all of your ends.  To ensure you get all of them, you can do some minor overlapping cuts.  You can take a few hairs from a previously thinned section and add them to the section you are about to thin.  This will virtually guarantee that you snip all of the ends to the same length.  Feel free to go back, and cut again if you feel as if they are misshapen, or still too bulky, but be careful not to cut too much. Note that as you move from onto a new section, drop the previous section of hair except for a small section to guide the length of the cut. You can either take a towel, or run through the ends with your hands.  You want to make sure you loosen your hair, and let the trimmed hair fall to the ground.  This would also be a great time to wash or rinse your hair, and clean the snipped hair out.

SUMMARY: Comb through your hair. Grab a section of your hair. Use your other hand to hold the thinning shears. Take another section of hair with your hand. Repeat until you have gone all the way around. Clean your ends off.


INPUT ARTICLE: Article: Let the deck rest cupped in your palm and the lower part of your fingers. The deck should be face-down in your hand and stay face-down through the whole cut. Grab the deck with the dealer's grip, which means the length of your thumb is on one long side. Place 3 fingers on the other long side and your index finger on top. At this point, the deck should be flat against your palm.

SUMMARY: Hold the deck in your hand with your palm up.


INPUT ARTICLE: Article: Does your lover allow you to touch, or look through their phone, emails, etc.? If your boyfriend or girlfriend is hiding their phone from you, or deleting all their messages before letting you have it, then there is something they don't want you to see. If you ask whom called or texted them, do they always tell you "It's nobody?" These are also important signals, which show that your boyfriend, girlfriend, etc. has something to hide. Does he or she become angry when you come over unannounced, or only text you when they are at home, never calling you? These are also signs of betrayal. For some reason, they do not want you at their home at certain times, and they do not want to call you while they are at home. If an earring is lying in the passenger side of their car, or a condom is behind their bed, extra time will probably be taken to dispose of those items.

SUMMARY: Examine the trust in your relationship. Notice if they leave the room to take calls. Watch carefully for unwillingness to accept you without notice. Pay attention to whether he has to "clean up" before letting you into his or her house, room, or car.


INPUT ARTICLE: Article: Once you have satisfied all of your loan agreement requirements, and have determined that no issues with the property exist, you are now ready for your closing appointment. A closing appointment is handled by a closing agent, which is a third party recommended by the real estate agent or lender, who verifies all closing documentation and ensures that all payments are received by the relevant parties. Contact the closing agent directly in order to schedule a closing appointment.  The closing agent will schedule the closing appointment with the buyer and seller. However, keep in mind that these appointments are usually separate. The buyer and seller will not usually sign paperwork during the same appointment. The lender will ensure that the closing documents are delivered to the closing agent. Since closing costs are calculated to the exact date of the closing, you will not know the final closing amount until you have set your closing appointment date. Your mortgage lender will have provided you with an estimate of closing costs to use as a guideline, although that amount can fluctuate. In general, closing costs are about 3 to 5 percent of the total loan amount. In certain situations, a seller may be willing to pay some or all of the closing costs if it is negotiated in the contract.  You should ensure that you have the required funds available in your account as of the closing date. Most banks will place a hold on checks deposited into an account before they are available, so make sure to complete any necessary deposits into your account before the closing date. On the closing date, you will likely need cashier’s checks for the payments that need to be made at closing. Your real estate agent will let you know the exact amounts of the checks. The escrow officer will contact the buyer with the amount via the final settlement statement along with any wiring instructions. The money should be at the escrow office one day prior to closing and all of the documents need to be signed at least one day prior to closing. If the documents are not signed until later in the afternoon on closing day, there will not be enough time to close that day. Any last minute and relatively small costs that may arise at the closing can usually be handled with a personal check. Review the mortgage loan agreement and the mortgage note for potential discrepancies and errors. Also make sure to collect and review the settlement statement, which contains an itemized list of all of the closing costs associated with the mortgage loan. Make sure you have relevant documentation of your homeowner’s insurance, and a receipt of your first year homeowner’s insurance premium.  Make sure you have a cashier’s or certified check in the amount of your down payment and closing costs. Remember to contact the lender a few days before closing to obtain the exact closing amount needed. The escrow officer will usually relay this information to you. The lender approves the final settlement statement that the escrow officer prepares and the down payment goes to the escrow officer to be distributed. Keep in mind that there are closing costs that are not associated with a loan too, including the escrow fees, property taxes, and recording fees. If you can obtain a second mortgage or a refinance, or equity cash from your home or other property, then the closing costs will usually not be as high as a first origination loan. Talk this over with your lender. The closing officer will lead the closing process and ensure that all relevant documents have been verified and signed, and that all of the sales transaction money has been properly distributed to the relevant parties. Some buyers have their attorney attend the closing, and in some circumstances both the seller and real estate agents will also attend a closing. However, it is also extremely common for both the sellers and buyers to complete all closing paperwork in separate rooms without ever seeing one another. The following documents will be reviewed by the closing officer:  The mortgage agreement, mortgage note and property deed. The settlement statement containing an itemized list of closing costs, which typically includes all closing costs, a summary of all past transactions leading up to the closing, commissions paid to real estate agents, escrow amounts deposited to cover property taxes and insurance, title charges and the net amounts owed to seller and due from the buyer. The final part of the closing process is the distribution of the funds generated by the sale. The closing officer will distribute the funds you provide, and present checks to the seller, real estate agents (when applicable), and to all other parties named on the settlement statement.

SUMMARY:

assistant: Set your closing appointment. Ensure that you have the necessary closing costs. Collect and review all relevant closing documents. Attend your closing meeting with the closing officer, lender representative and your attorney or Realtor. Complete the closing process.