If you plan to use a filter, either insert it now or leave a tobacco-less space to slip it in later. Make the space exactly as long as the filter. You have several filter options: Buy a bag of fresh cellulose cigarette filters. You can find these online, at smoke shops, and at certain marijuana dispensaries. These are essentially the same filters that you'd find on a store-bought cigarette. Remove the filter from a store-bought cigarette. If you have store-bought filter cigarettes around, and you don't want to smoke themor if you just want to practice rollingyou can carefully tear the paper and remove the filter. Lay this filter into your rolled cigarette. Make your own rough filter. First, tear a thin strip of sturdy paper from an index card or business card. Fold it three times to make a pleat, and roll the rest of the unfolded filter around the folded. It should look like a "W" encircled. Make sure that that the folded filter will fit smoothly into the cigarette; you may need to adjust it several times. Keep in mind that this homemade filter will only block the largest particulate matter from entering your lungs. When the cigarette is full of tobacco, it is ready to roll. Keep holding the paper in the same hand, but grasp the other end in the same waybetween your middle finger and thumb. Lift your stabilizing index finger from the paper; you no longer need its support. The paper should rest between the thumb and middle finger of both hands. The tobacco should be evenly spread, except at the very tip where your index finger was. Your fingers should form a fairly straight line from one end of the cigarette to the other. Use your thumbs to hold the unrolled cigarette slightly below the underside of your middle fingers. The contour of the fingers should suggest the shape of the cigarette.
++++++++++
One-sentence summary -- Insert the filter or leave a space for it. Hold both ends of the paper. Wrap your middle fingers along the back side of the paper for extra support.

Every owner who owns at least 20% of your business should create a personal financial statement. Financial statements contain information about your assets, such as cash, mutual funds, certificates of deposits, and real estate. They also identify all liabilities owed to lenders, creditors, and the government. Lenders will want to see your business balance sheet, profit and loss statement, and cash flow statement. If you need help creating these documents, consult with an account. Ideally, your financial statements should be audited by a certified public accountant. Ask another business owner if they would recommend their CPA, or contact your nearest accounting society to obtain a referral. Lenders want a complete picture of your business, so they will require plenty of paperwork. Gather this ahead of time so that the application process goes smoothly. Get the following: Personal tax returns for the past three years Recent personal bank statements Business tax returns for the past three years Recent business bank statements Resumes for each owner and member of management Business leases Articles of Organization (if an LLC) or Incorporation (if a corporation) Franchise agreement (if applicable) Generally, you need a cash down payment of 20%. If you hope to borrow $100,000, then you should have $20,000 in cash. Make sure that you have bank records showing the necessary down payment. Your business plan lays out where your business is headed in the next few years and how you plan to get there. Lenders want to see a solid business plan before they will make a loan. Your business plan should identify your target market, marketing plan, management, and financial projections. Some lenders want your business plan to contain specific information. Stop into the bank before applying and ask about their specific requirements. Business plans can be hard to write. In the U.S., you can get help at your nearest Small Business Development Center, which you can find at https://www.sba.gov/tools/local-assistance/sbdc. Some lenders won't give you a loan unless you pledge assets as collateral. Collateral protects lenders since they can seize the assets if you default on your loan. Common forms of collateral include inventory, heavy equipment, accounts receivables, and your home. You should document the location and condition of the collateral. If possible, hire an appraiser to value the collateral.
++++++++++
One-sentence summary -- Create a personal financial statement. Pull together business financial documents. Collect other required information. Show you have the necessary down payment. Draft a business plan. Document any collateral.

The WhatsApp icon looks like a green box with a white speech balloon and a telephone icon in it. This is your Menu button, and it will give you options to open a New group, start a New broadcast, open WhatsApp Web, your Starred messages, and Settings. This option has a key icon next to it. It will open your account settings. This option will show you the number of contacts you have blocked, and tapping on it will open up a list of all blocked contacts. This person will now be able to call you and send you messages on WhatsApp.
++++++++++
One-sentence summary --
Open WhatsApp Messenger. Tap the button in the upper-right corner of your screen. Tap Settings at the bottom of the menu. Tap Account. Tap Privacy. Tap Blocked contacts under the Messaging heading. Tap on the name of the contact you want to unblock. Tap Unblock <Contact Name> in the pop-up.