In one sentence, describe what the following article is about: . If your concern for your friend is immediate, do not hesitate to call the emergency services. Do not try to handle suicide threats on your own, and absolutely do not assume that a friend talking about harming themselves is not serious. A suicidal person needs immediate assistance from qualified mental health professionals. Again, if you are in America, call 911, 1-800-SUICIDE, or 1-800-273-TALK to avoid the need for you or other untrained individuals to act as the sole counselors to your friend. Having regular sessions with a therapist about suicidal thoughts, feelings, and what triggers them can help prevent suicide attempts in depressed individuals. And, for those who have already attempted suicide, talk therapy can reduce risks of subsequent attempts by up to 50%. Enlist the help of other important people in your friend's life. If others are aware of the problem they will be able to be sensitive and stay on the lookout for warning signs. Make sure you only inform others of your friend's risk for suicide if you think they are capable of helping. Playing a helping role in such a serious matter can be exhausting, stressful, and also frustrating. Make an effort to ensure that your own physical and emotional needs are being met. Talking about your feelings to people you trust will help you process the situation and understand your experience.
Summary: Call the emergency services Call a suicide hotline. Suggest therapy. Inform others on a need-to-know basis. Make sure you're coping, too.

In one sentence, describe what the following article is about: You are entitled to one free credit report each year. Your lender will look at your personal credit history, so you should pull it and check for errors.Dispute anything that is wrong. For example, accounts might be listed that aren't yours, or an account might be improperly listed as in default or collections. Also, the credit limit might be wrong. Start early. The entire dispute process can take up to 60 days to complete, and you'll want a clean credit report before you approach lenders. Loans for commercial real estate are not the same as loans you take out to buy your own home. Generally, loans can be for 30 years or as short as five or seven. Interests rates may also be variable or fixed. If you can get a non-recourse loan, then the building will secure the loan as collateral. However, non-recourse loans are not available for all borrowers, and the building typically must be worth at least $2.5 million. With a recourse loan, you remain personally liable for the loan. In the event of default, you can be sued, and you might lose personal assets. Recourse loans are riskier, but it might be the only type of loan you can get as a new landlord. Commercial loans also require a down payment around 30% of the purchase price. If you're having trouble getting a commercial loan, consider getting a real estate contract instead. Real estate contracts require a large downpayment, but they're less difficult to get approved for. The downpayment may be less than what a bank would ask for, depending on how much the seller wants. Discuss what is a reasonable offer with your real estate agent, which will depend on the state of the local market. If the market is hot, you may need to pay the asking priceor even more. No matter how hot the market, insist on a 90-day escrow period. You'll want at least 60 days to get an inspection. That'll leave you with 30 days to review documents before closing. If you're using a lender, ask them how long they need to process your loan. Depending on your lender, you may need to ask the owner for more time to get everything together. Hire an inspector with experience in commercial properties as soon as possible in case there are any complications or delays later on. Find an inspector by getting a referral from a real estate agent or talking with another apartment complex owner. Check ahead of time what will be inspected. Ask if you need to hire a specialty inspector to inspect a swimming pool or tennis court. If the inspector finds problems, ask the seller for a credit, which will reduce the amount you pay. Alternately, the seller might make the repairs before closing. You must give the lender information about the apartment complex when you apply, so collect the following before approaching a lender: pictures of the apartment complex floor plans map of the surrounding area description of the property (e.g., number of units, year it was built, etc.) expected upgrades rent information purchase price names of real estate agents, attorneys, and title companies involved in the transaction Approach multiple lenders so that you can compare their offers. Ask for an application and submit it with your supporting documentation. If the loan officer needs more information, then supply it as soon as possible. After approving you, the lender will send you letter of intent or a term sheet. Analyze it carefully. It will specify the amount you can borrow and other terms. Choose the loan whose terms are best for you. Sign the term sheet or letter of intent for the lender you choose. At this point, you may need to pay your deposit. The lender should follow up with a full (and final) loan commitment.
Summary: Check your credit report. Learn about commercial loans. Make the owner an offer. Have the building inspected. Collect required information for the loan application. Apply for your loan. Compare loans.

In one sentence, describe what the following article is about: Avoid eating conventional produce that contains herbicides and pesticides that may negatively impact fertility. Conventional dairy sources may contain hormones and antibiotics that can increase estrogen levels in the body and harm fertility. If dairy does not agree with your stomach or diet plans, you can avoid dairy altogether and opt for a nut-based milk. Do not drink soy milk. In addition to being rich in protein and vitamin A, fish also contain healthy fatty acids that help increase hormone production, reduce inflammation, and ensure a regular menstrual cycle. Aim to eat wild salmon, cod, and halibut, but avoid farmed fish whenever possible, as farmed fish may contain antibiotics and food coloring. Do not eat large deep sea fish like ahi tuna, swordfish, and sea bass, as these fish may be high in mercury which can be harmful to the body. Avoid consuming hormones and antibiotics that may increase estrogen levels by choosing to eat only grass-fed, organic meat. Protein is essential during your pregnancy, but be sure to avoid conventional meats. Additionally, if you are concerned about endometriosis, limit your consumption of red meat, as the two have been linked by scientific study. Make sure you only consume poultry that is marked as free range, cage free, or organic as well. Whole grains are high in fiber and essential vitamins. Fiber is particularly important for your diet as it helps the body remove excess hormones and helps keep your blood sugar at a healthy level. Processed grains lack the nutrients necessary for a healthy pregnancy. In addition to regulating hormone levels and blood sugar levels, fiber also promotes healthy digestion. Try to eat fibrous fruits, vegetables, dark greens, beans, and whole grains with each meal. Soy contains a compound that acts like a hormone in your body and thus it can disrupt your hormone balance. Try to avoid all soy products while pregnant or trying to become pregnant. Processed sugar found in bottled juices, popsicles, candy, packaged desserts, etc. can disrupt your blood sugar levels and weaken your immune system. Women require about 2.2 liters (0.6USgal) of water per day. If possible, avoid tap water that may contain traces of pesticides or unwanted minerals from agricultural runoff.
Summary:
Consume organic vegetables and fruits daily. Choose organic, grass-fed, whole fat, and raw dairy products. Eat cold water fish high in omega-3 fatty acids. Eat only grass-fed, organic meat. Choose whole grains over processed grains. Consume fiber with each meal. Avoid eating soy unless it is fermented. Reduce your intake of refined sugars. Be sure to drink an adequate about of water.