Problem: Write an article based on this summary: Open Terminal. Type ls into Terminal, then press Enter. Find a directory in which you wish to create a text file. Type cd directory. Press Enter. Decide on a text editing program.

Answer: To do so, click Menu, then find the Terminal app--which resembles a black box with a white ">_" in it--and click on it. You'll typically find Terminal in a bar on the left side of the Menu window. You can also click the search bar at the top of the Menu window and then type in terminal to search for it. Most Linux Distros open the Terminal as well, when pressing Ctrl+Alt+T. Terminal opens to your home directory, but the ls command displays every folder in your current directory. To create a text file in one of these directories, you'll need to change the current directory. Any directory name listed beneath the ls command (e.g., "Desktop") is a place to which you can navigate. You CAN create and edit files outside of this directory, but be aware that this may cause fatal problems. If you're sure about doing so, use the command ls / to see and navigate through the root directory, and prefix your commands with sudo when opening the text editor. More on that later. You'll replace "directory" with your preferred directory's name. This command changes Terminal's focus from the current directory to the one you name. For example, you would type cd Desktop to shift Terminal's command location to the Desktop directory. If you want to create a text file in a specific folder within your selected directory, you'll place a "/" after the directory and then type in the folder's name. For example: for a folder named "Misc" in the Documents directory, you'd type cd Documents/Misc. Doing so will run your command, thereby shifting Terminal's target directory from your home directory to the one you specified. You can create a simple text file quickly, or you can use either Vim or Emacs to create and edit an advanced file. Now that you're in the directory in which you wish to place your text file, it's time to proceed with actually creating it.

Problem: Write an article based on this summary: Learn whether you are permitted to assume the loan. Decide whether assumption of the mortgage is a good idea. Find out how much it costs. Check whether you can obtain funds.

Answer: Certain types of government-backed loans are much easier to assume than conventional loans. In most cases, you must meet the qualifications of the government agency in order to assume the loan. Conventional loans usually prohibit assumptions; however, a bank may be willing to allow you to assume a mortgage if the current owner is in a financial bind that jeopardizes the payback of the note. Additionally, if the buyer has the potential to add a large down payment to the current loan, the lender may be more likely to allow the assumption of the loan. Always talk with the lender, a real estate professional, and a lawyer to ensure you can assume the loan. There are certain situations where you may want to assume a mortgage. For example, when you assume a mortgage you keep the interest rate that the original owner has on the loan. If interest rates have risen, then assumption may make financial sense. People also assume mortgages when awarded a property in divorce or as a gift in a will. An assumption can also save you time. Typically, it only takes 30 days to approve a mortgage assumption. You will have to pay the owner for the equity that he already has in the property. For example, if the owner has $140,000 remaining on a mortgage but the selling price is $200,000, then you need to come up with a down payment of $60,000 to cover the equity that has built up in the house. Furthermore, the lending company may expect you to put a substantial amount of money down in order to qualify you for the assumption. Assumption fees also apply, depending on where the property is located. Average assumption fees can range from $562-1062 or more. Also understand that assuming the mortgage does not necessarily mean that you will be able to have identical terms as the current mortgage terms. Lenders often have the ability to alter loan terms if the loan is assumed, which could negate any benefit from assumption. Be sure that you understand precisely the terms of the mortgage before assuming it. If you need to make a down payment, then you should figure out how to come up with the money. If you do not have the necessary amount in cash, then check if you can borrow the money from a bank or credit union. You should approach a mortgage assumption in a similar fashion as buying a house with traditional financing.

Problem: Write an article based on this summary: Navigate to https://www.discordapp.com. Select the server that hosts the channel. Select a channel. Click the user you want to ban. Click Ban (username). Click Ban to confirm.

Answer: You can use any browser, such as Firefox or Safari, to access Discord. If you haven't signed in, click the Login button at the top-right corner of the screen, type your account information, then click Login. Servers are listed along the left side of the screen. Channels appear in the main panel. Now you should see the chat channel and a list of its members along the right side of the screen. A pop-up menu will appear. A pop-up message will appear. The user can no longer join the channel.

Problem: Write an article based on this summary: Lay your shirt on a flat surface and iron it. Insert a piece of foam core or cardboard into your shirt. Create a frame where you want to place the image. Pour your Inkodye into a bowl. Apply the Inkodye to your shirt. Remove the frame to see the painted area. Place your negative on the inked part of the shirt. Expose your print to direct sunlight. Remove the negative. Wash your shirt.

Answer:
To get the best results, you should iron your shirt to smooth out any wrinkles that could mess up the ink transfer. Inkodye works best with cotton shirts so be sure to set your iron to the cotton setting. Iron the shirt until you've removed all wrinkles, especially on and around the area you plan to print on. Use a dry ironing method without steam. Place the cardboard inside your shirt and smooth out the area again. Cardboard works well because it's flat and won't let the ink bleed through to the other side of the shirt. Plus, when you're done, you can just throw it away. You can use a piece of cardboard or plastic frame that you've made or simply use blue painter's tape to tape off the area. The area inside your frame is where you'll paint on the ink. The frame ensures that no ink gets outside of the area. If you don't want any extra inked area around your photo, use a frame that's slightly smaller than your image. A smaller frame ensures that the ink won't bleed out past your photo. Make sure not to tape the image down. It will get stuck. And run your fingernail along the taped edges if you used tape you ensure there are no gaps. Make sure to shake the bottle well before pouring the ink. Make sure that your bowl isn't absorbent, you don't want the dye seeping into it. Try to do this in a ventilated room that isn't exposed to a lot of natural light. About 2.5 tablespoons (40ml) can coat an 11X11" cotton square. Coat your brush or roller with the dye. Use the edges of your bowl to get excess dye of your brush so there's not dripping or blotting. Evenly apply the dye to your desired area on your shirt. Don't soak your shirt. Inkodye is fairly colorless so pay close attention to how much you are applying. After you've covered the desired area, grab a paper towel and blot the area to soak up any excess dye. Once you've covered the area you no longer need your frame. You can keep the frame on if you used tape and you think some of the dye may have bled through. You can press down your negative onto your shirt to help it stick to the dyed area. Smooth out the area with your hand. You want your negative to make good contact everywhere with the dye. Use straight pins on the edges of your negative to keep it in place. Alternatively, you can place a piece of acetate over the top of your negative. You now want to bring your shirt with the negative on it outside and let it soak up the sun to dry and transfer the image. Expose your print to direct sunlight for 10-15 minutes. It's best to do this when the sun is strongest around 11:00 am to 3:00 pm. You may have to expose your print for longer if it's cloudy out. After about five or so minutes you'll begin to see the image darken. It's best to remove the negative in a space that isn't very bright. Removing the negative in subdued lighting will help to keep the print intact. It's best to wash your shirt in the washing machine, but you can hand wash it as well. Washing will remove any extra Inkodye from your shirt and make your print look nice and fresh. Use warm to hot water for best results. You may want to wash it twice to remove all the residue. After your shirt is clean, it's ready to wear!