In one sentence, describe what the following article is about: If you have a mortgage on your property, it may have a "due on sale" clause. This clause gives your lender the right to demand payment in full of the balance you owe on the mortgage if you sell or transfer some portion of your ownership. The reason: The property is the bank's security that if you don't pay your mortgage, the bank can seize your property. Obviously, if you sell or transfer some of your property, that gives the bank less security. However, there are exceptions to the "due on sale" clause. These are spelled out in legislation known as the Garn St. Germain Act--specifically 12 U.S. Code 1701j3 - Preemption of due-on-sale prohibitions. There are nine exemptions--nine cases in which a lender may not invoke the "due on sale" clause. Exemption six is: "a transfer where the spouse or children of the borrower become an owner of the property." Nevertheless, if your mortgage has a due-on-sale clause, it doesn't hurt to notify your lender in writing of your intent to add your spouse to the deed. When your name was the only name on the deed, you could do whatever you wanted to do with the property. If you add your spouse, that means he has the same interest in the property as you do, and you can't sell it, make improvements, or do anything else to change it without his consent. Adding your spouse's name to the deed will expose your property to any judgments against him. For example, if he has a bad debt, his creditor can sue and force the sale of your property to pay it off. Become familiar with your spouse's financial history before you decide to add his name to your deed. If you alter the deed so that you and your spouse both own the property, instead of just you, it changes the situation in the eyes of banks, lenders, and the government. Depending on your spouse's financial status and earnings history, adding his name to your deed may make you ineligible for refinancing, a reverse mortgage, or certain government benefits such as Medicaid. The typical reason to add your spouse's name to your deed is to remove your property from the time-consuming and costly probate process, guaranteeing your spouse will get the property when you die. However, this isn't automatically true, and there may be a more efficient way for you to accomplish the same goal. Generally speaking, adding another owner only makes the probate process more complicated. As long as you retain interest in the home, it's still going to go through probate. If your goal is to avoid probate, you must specify in the deed that you are claiming as joint tenants with a right of survivorship. Some states have a specific deed-holding status: Tenants in the entirety. That applies only to married couples. If you live in a community property state, you can specify the home or land is community property with a right of survivorship. Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington and Wisconsin are community property states. Otherwise, married couples usually claim property as tenants by the entirety. Your county recorder's office will have a list of ways to claim property. Make sure you select the one that best suits your needs. To avoid probate, you must choose an ownership relationship that includes a right of survivorship. That means when you die, your spouse will absorb your ownership share of the property.
Summary: Read your mortgage. Recognize you will lose some control over your property. Learn the necessary words to use to avoid probate.

In one sentence, describe what the following article is about: Place a spoonful of icing on the center of the cupcake. Use an icing spatula (or palette knife) to spread the icing around the top of the cupcake, out to the edges. Smooth the top with the spatula as desired. For a smooth look, run the spatula edge across the top. For a fluffier look, lightly touch the iced surface with the spatula blade and lift up. For a twist to your ordinary frosted cupcake, pour ganache, melted chocolate, or icing over the tops of your cupcakes. To do this, let the cupcakes cool completely. Begin pouring over the center of the cupcake. You can totally cover the cupcake or cover just the top and let the topping drip over the sides. Set them on a cooling rack positioned over top a cookie sheet. The cookie sheet will catch any drippings. Let the cupcakes cool to allow the topping to set. The same method can be used with warmed icing. The bottom sides of cupcakes are easiest to cover with fondant. Use a spatula to spread a thin layer of buttercream frosting over the surface. Roll out the fondant to the desired size to cover the cupcake, keeping the thickness to about 18 inch (0.3cm). Lay the fondant over the cupcake and smooth it out. Cut off any excess frosting at the bottom. It's easiest to trim with a spatula. Use your hands to continue to smooth the surface of the fondant. Now that cupcake baking is such a trend, you can find just about anything. You can find any image in the form of buttercream, fondant, gum paste, royal icing, or candy. Any. Just go online and take a look! (Grab your credit card.) Want to put a teeny sugary baby on top of your cupcake? No problem. How about a television? Can do. A harvest of cornstalks? Yep. Seriously. The cupcake world has accepted every challenge and delivered.
Summary: Ice cupcakes the traditional way. Pour ganache or candy melts over cupcakes. Create a smooth canvas with fondant. Invest in some cupcake add-ons.

In one sentence, describe what the following article is about: Performing a System Restore is the easiest way to uninstall a DirectX update, since there is no official way to uninstall DirectX. You will need to have a restore point from before DirectX is installed, which is typically created during the installation process. Using System Restore will uninstall and revert ANY changes that were made since the restore point was created, so it should be used very soon after installing the DirectX update. Windows 8 Open the Start screen and type "recovery". Select "Recovery" from the list of search results. This will open the Recovery window. From there, click the "Open System Restore" link. Windows 7 and Vista Click Start and type "restore" into the Search box. Select "System Restore" from the top of the search results list. Windows XP Click Start and then select All Programs Accessories System Tools. Click on System Restore. You will be presented with a list of available restore points. Compare dates to find one that was created before DirectX was updated. Click the "Scan for affected programs" to ensure that DirectX will be rolled back. Remember, anything that was installed or updated between the point and now will be removed. Any programs that were installed then but are gone now will be reinstalled. Once you've chosen your restore point, wait for the restore to be completed. The restore process can take a significant amount of time. The computer will restart during the restore process, and then Windows will load with a message confirming that the restore was successful. Once Windows starts again, open the Run window by pressing Windows key + R, type in "dxdiag", and press Enter. This will open the DXDiag tool, which will check your system and report the version of DirectX that is installed. The DirectX version will be listed at the bottom of the System Information section on the first tab. You must have some version of DirectX installed with Windows. Windows 7 and later cannot have anything less than DirectX 11 installed.
Summary:
Open the System Restore tool. Select your restore point. Perform the restore. Check that DirectX was rolled back.