Problem: Write an article based on this summary: Stick by your closest friends. Avoid areas where bullying occurs. Stay near adults.

Answer: You should work on forming solid friendships with people who bring you up rather than down. Make friends with people who are kind and supportive. In school, stick by these friends. The buddy system can keep bullies away. Always have a group of friends nearby. Eat lunch with a group of friends and walk between classes with your friends. Bullies often target people who seem alone and isolated. If you look like you have a solid friend group, a bully may be less likely to seek you out as a victim. Avoiding places where bullies hang out can help prevent bullying. As you navigate your school, stay away from areas where bullies are likely to congregate. Bullies often gather near areas where there is not a lot of supervision. Bullies may hang out in areas like the locker room or secluded hallways, for example. Try to avoid these areas. If you have to enter an area where bullies may be gathered, always bring a friend. Bullies are more likely to target people in the absence of adult supervision. Try to stay near adults in your school. During lunch, for example, you and your friends could sit near the teachers. Between classes, avoid lingering in the hallway. Go to your classroom right away to avoid attracting a bully.

Problem: Write an article based on this summary: See a doctor if necessary. Ask your doctor for medication recommendations. Discuss the option of an endoscopy. Be open to surgery if your doctor recommends it.

Answer: If you make the lifestyle changes suggested above but see no change in symptoms, it's time to see a doctor. Long-term GERD can cause esophageal injury and is associated with other severe health problems. Prolonged inflammation and repeated injury can also increase the risk of developing esophageal cancer. Don't hesitate to seek medical treatment if lifestyle changes don't fix your stomach acid issues. Medical treatment for GERD is broken down according to severity of symptoms. Many of medications are available over-the-counter (OTC). You should still consult your doctor to ensure a proper treatment regimen. If he or she can write you a prescription for an OTC medication, you might even be able to get it covered by insurance. Follow the dosage and timing instructions carefully for each different drug to prevent potentially severe side effects. For mild to moderate GERD: Take antacids as needed (Tums, Maalox) to neutralize acid if your symptoms occur once weekly or less. They provide relief within minutes, but only last for about one hour. Take surface agents (sucralfate/Carafate) to protect esophageal and stomach lining and promote healing. Take histamine 2 receptor antagonists (Zantac, Pepcid) to decrease acid secretion. For severe or frequent (2 or more episodes per week) GERD: take proton pump inhibitors (omeprazole, lansoprazole, esomeprazole, pantoprazole, dexlansoprazole, rabeprazole) to prevent acid secretion in the stomach. Some of these are available OTC, and the standard dose is one pill daily for 8 weeks. Side effects include: bacterial infections and diarrhea, anemia and osteoporosis, and interactions with other medications. In a screening upper endoscopy, doctors use a camera on a flexible tube to look at the throat, esophagus, and stomach. During the procedure, they might take biopsies to assess inflammation, check for H. pylori (a type of bacteria), and rule out cancer. Discuss whether your symptoms call for an endoscopy with your doctor. Rarely, GERD symptoms don't respond to any medications, in which case you may need surgery. One surgical approach (fundoplication) wraps the upper part of the stomach around the esophagus, then sews it in place to reinforce the esophageal opening. A second approach wraps a string of magnetized beads around the point where the esophagus meets the stomach. This closes the lower esophagus, but lets it expand when swallowing so food can get through. Young people who will suffer from life-long GERD symptoms can also consider surgery.

Problem: Write an article based on this summary: Research the "piggyback" option. Calculate the value. Understand the drawbacks.

Answer: A "piggyback loan" will allow someone with a low down payment, or even no down payment, to purchase a home without PMI. This is actually a name for getting two separate loans. The first loan will be for of 80% of the property's value, so there will be no PMI requirement. Then the borrower will get a second loan that "piggybacks" on the first one, to cover the rest of the money that is needed. Following the downturn of the housing market, many banks have limited the piggyback option to 10% of the value, requiring the borrower to make at least a 10% down payment. This is often called an "80/10/10" loan, referring to the 80% first loan, 10% piggyback loan, and 10% down payment. Suppose a buyer wants to buy a property for $200,000. With an 80/10/10 piggyback loan, he would borrow $160,000 on a first mortgage (80%), $20,000 on a second, piggyback mortgage (10%), and make a down payment of $20,000 (10%). Imagine another buyer wants to buy a property for $450,000 using an 80/10/10 piggyback loan. His first mortgage would be $360,000 (80%); the second, piggyback mortgage would be $45,000 (10%); and the down payment would be $45,000 (10%). A piggyback loan is not automatically going to be cheaper than a traditional loan that includes PMI payments. You can use an online loan calculator to help you figure out which is preferable. One example of such a calculator is http://www.goodmortgage.com/Calculators/PMI_Or_Piggyback.html. The second loan is typically for a much shorter term than the first, often requiring full payoff in about ten years. While the piggyback loan lets you cut out PMI payments, you must realize that you will be making monthly payments on two loans at once. A buyer using this option will need to be sure that he can afford the monthly payments on both loans together.

Problem: Write an article based on this summary: Keep occupied. Do fun things and treat yourself. Start a journal Help others.

Answer:
Being busy is a way to prevent negative thoughts from going around your head repeatedly. For depressed persons, the first step is often the hardest, so making yourself do things can be a huge difference in your day and getting you started. Engage in a hobby you enjoy or think you'll enjoy. Immerse yourself in it. It doesn't have to be expensive or difficult. As long as it's interesting it will serve the purpose. Care for pets. The routine involved in pets needing to be fed, groomed, and played with can be very satisfying for a depressed person. This is especially so because pets don't provide a sense of judgment, but only return love and acceptance. Introduce structure into your everyday life. Make a schedule of what to do every day, no matter how mundane, and gradually expand this as you start to feel better. It doesn't matter whether you work or not. A schedule can put some direction back into a day that might otherwise feel empty or aimless. Feeling down feeds on itself and it soon becomes a catch-22 when you convince yourself that you don't deserve to enjoy anything. The antidote is to do things that you used to enjoy or that are fun for people around you "one fun thing a day to keep the blues at bay." As with everything else, do this gradually. One fun thing a day, such as watching a beloved comedy or reading a funny book can give you a sense of fun for a while. Make time to laugh more. This can be watching comedy skits or tv shows that make you laugh, and learn how to take time and enjoy those moments more. Schedule positive events into your life. Go out to dinner, the movies, or for a walk with friends. Take it slowly. If you used to enjoy gardening, plant a single plant. If you used to enjoy a long walk, take a short one. Gradually build up to more enjoyable experiences. of your journey through your depression. Document your feelings somewhere personal and completely private. This will be the place where you let out your darkest thoughts no holds barred because you don't need to worry that anyone will judge you for them. A diary can become your collaborator in the struggle against your depression because it eventually provides you with great evidence of what improves your mood as well as what brings it down. Try to write in it daily if possible. This can be a good way of moving through your depression once it's better under control, and is often an ideal technique to use when your healing seems to have temporarily plateaued. Helping other people going through hardships removes your concentration from yourself and onto others, which can be good if you're prone to too much introspection. Don't overdo volunteering. If you become involved in charity or volunteer work and you feel exhausted or used up, that's a sign you're overdoing it or may not even be ready to help others just yet. It doesn't mean you won't be able to do this, but it does mean take care of yourself first.