Summarize the following:
Ask for advice from the agent on the right amount to offer. The classic advice is to come in lower than the asking price. However, particularly desirable homes or those in competitive markets may require an offer at or even above asking. Your realtor will likely have a better handle on where you should make an offer relative to the asking price, so defer to their judgment. However, don't stretch your budget beyond your means, even if your dream house is in high demand. Let the agent submit your offer-to-purchase as soon as possible. Good properties don't last on the market very long. You will usually have to fill out an offer sheet with the help of your agent. This offer is then submitted to the seller for review. They can either accept or return with a counter-offer. Counter-offers are more common, though they may only make minor changes to the offer terms. Make sure to stay in close contact with your realtor after submitting an offer so that you can quickly review any counter-offers. Closing, also called settlement or escrow, involves the cooperation of the buyer and seller, their realtors, lenders, and lawyers to finalize the sale. Generally, most of this process will be handled by your agent. However, there may be some issues that require your attention throughout the process. Talk with your agent to inquire about the closing schedule and your responsibilities during this time. Closing costs are assessed during this time and include a number of fees, ranging from a loan origination fee to a survey fee. You can expect closing costs to total 2 to 5 percent of the total cost of the home. So, for example, a $200,000 home would have closing costs of between $4,000 and $10,000. Closing fees are estimated on your loan estimate when you apply for a loan. However, these fees often change during the closing process. Your offer will stipulate a certain number of days or weeks before closing so that financing can be finalized and the house can be inspected. During this time, the house is checked for any major structural issues, termites, and to ensure that the property boundaries are correct. You should accompany the inspector and your agent during the structural inspection, both to learn more about the house and to ask about any imperfections you might see. Make sure to spend the money to get a truly professional home inspection. Getting a cursory, budget inspection can cost you a lot more in the long run. There will be a meeting on the closing date in which you will required to sign final documents releasing payment to the seller and taking possession of the home. At this point, the home will be yours, and the deeds and other documents will be signed and transferred. You will then receive the keys to your new house. Ask your realtor during closing about homeowners insurance. This type of insurance reimburses you in the event that your home is damaged or destroyed. Your specific insurance needs will depend on your geographical location, the value of your home, and the situation surrounding your purchase of the home. For example, you may need flood insurance if you live in a particularly flood-prone area, as most homeowners insurance plans do not cover flooding. You will need to get homeowners insurance when you close on the house.

summary: Prepare an offer on your favorite. Submit your offer. Ask the agent to explain the closing process. Inspect the house thoroughly. Close on the house. Buy homeowners insurance.

Summarize the following:
Paper mache is a great for making a helmet that is 3-dimensional, hollow, durable and light-weight. While you can always buy a Darth Vader helmet from a toy store or costume store, making one from paper mache is easy and fun. You will need: Newspaper Paper mache mix (1 part flour to 5 parts water) Saucepan Mixing bowl Balloon 3-4 empty cereal boxes Masking tape Recycled plastic container Hot glue and glue gun Black spray paint High gloss spray varnish Mix together 1 part flour to 5 cups water in a Saucepan. Boil for three minutes and let cool. This method produces an even, smooth paste. You can also add equal parts water and flour, and then stir together in a mixing bowl. Do not add salt to the mixture as it makes the paper mache difficult to mold. You will use the balloon to create the base of your paper mache sculpture/helmet. Inflate the balloon and place it in a plastic bucket to prevent it from moving around. Add a single layer of paper mache to the balloon by dipping strips of newspaper into the paste and sticking them directly onto the balloon. Let everything dry before starting the next step. Paper mache can get messy. Use a flat working surface, such as a table or kitchen floor, and spread newspaper over the entire area before you begin. Build-up the face by cutting-out geometric shapes (squares, rectangles, triangles, and circles) and attaching them to the paper mache base using masking tape or hot glue. Once you are finished modeling Darth Vader's features with cardboard, add another layer of paper mache and let dry. Don't forget to create a visor that sticks-out over the eyes and juts out from the side of the face. Darth Vader breathes through a triangle-shaped respirator that projects out from his face and covers his nose and mouth. Carefully remove the bottom and back of the mask and use a pin to pop the balloon. Add additional paper mache to smooth out any rough edges or fill any gaps. Let dry before cutting-out two wide pie-shaped holes for the eyes, and a triangular hole in the respirator for the mouth. Cut-out plastic strips from a recycled container and glue over the mouth to create the vented slats of the mouthpiece. Spray the entire helmet with black pray paint followed by a high gloss varnish. Poke a hole on either side of the helmet in the back string a piece of elastic through them to hold the mask in place. After you are finished painting, use hot glue to attach lenses from old sunglasses over the eyes.

summary: Find or purchase supplies for a paper mache helmet. Make the paper mache paste. Create a foundation for your paper mache helmet. Cut out cardboard shapes from the cereal boxes to make Darth Vader's face. Deflate the balloon and cut out holes for the eyes and mouth. Spray paint the helmet and add the final details.

Summarize the following:
While this method is often discouraged, it will work in a pinch. Even so, if you have a choice of a straight, punch, or wedge cut, opt for those instead of biting the cap off.
summary: Understand that biting is imprecise and may result in a poor smoke. Place your teeth in the same manner as with the guillotine cutter. Gently bite a few times while rotating the cigar. After a few bites while rotating the cigar, the cap will be separated and can be removed by hand or mouth.