Problem: Article: Check to see if your state housing finance agency maintains funds under the Hardest Hit Fund which is specifically earmarked for foreclosure prevention. If your mortgage is secured by or funded by government programs such as HUD, FHA, or the Veterans Administration, you may have other options to save your home. For example, Fannie Mae and Freddie Mac administer the Home Affordable Modification Program (HAMP) and the Home Affordable Refinance Program (HARP) to make loans more affordable. You can find these and other types of loan modification programs at https://www.makinghomeaffordable.gov/pages/default.aspx. In a forbearance, your lender agrees to temporarily reduce or suspend your mortgage payments for a short period. You're more likely to be able to get a forbearance if you can show that your financial difficulties are temporary or that you're expecting a large sum (for example, a tax refund) that will enable you to bring your account current soon. Lenders generally don't want to foreclose on properties, and they'll generally be willing to work with you if you make a good-faith effort to make payments and if your inability to do so is temporary. You will most likely need to provide the lender with bank statements and other financial documents so that they can review your financial situation. They may agree to extend your grace period for late payments or to allow you to skip anywhere from 1-6 payments over a 1-2 year period (a forbearance). They might also accept reduced payments for up to 18 months. If your financial situation has permanently changed, temporary measures probably won't do you much good. In this case, try to negotiate to restructure the mortgage. Ask your lender if you qualify for any mortgage restructuring programs. Restructuring can take many forms, but generally involves extending the term of the loan so you have longer to pay (and thus make lower monthly payments), spreading delinquent payment of several years, and/or lowering the interest rate on the loan. Consider if you will be able to follow through with your end of the agreement. If you still won't be able to afford to make the payments, the agreement won't do you any good. Fannie Mae administers the Home Affordable Modification Program (HAMP), which helps modify home loans to make them more affordable for struggling buyers. You can find this and other types of loan modification programs at https://www.makinghomeaffordable.gov/pages/default.aspx. If you're able to negotiate an arrangement with your creditors on the phone, ask them to send you a new contract with updated terms. You may need to write them a letter asking for confirmation. If you can reduce your interest rate or take on a different type of mortgage you may be able to lower your payments to a manageable level. Keep in mind that refinancing can be expensive. You may need to pay closing costs, points, and other fees. If you can't afford the fees, you'll end up facing foreclosure again, with even less money this time.
Summary: Get help with your mortgage payments. Ask your lender for a forbearance. Restructure your loan. Get the terms of any offers in writing. Refinance your mortgage.

Problem: Article: Accidents can often be avoided if you have good balance and can catch yourself when trip, bump into something. When you used to get knocked off balance and fall down, with a little work you can improve your balance and stay on your feet. Practice standing on one foot. When you are confident with what, practice moving your leg that is off the ground both in front of and behind you. This will help you improve your balance when you are knocked onto on leg for some reason. Avoiding alcoholic beverages may be in order as well when it comes to balance and other tasks, depending on your tolerance level. Do biceps curls with a free weight while standing on one foot. This will help you get used to moving weight around while maintaining balance. Poor eyesight or vision can be a big contributor to clumsiness. If you are having trouble seeing your surroundings, it might be that you simply need corrective lens to provide some clarity. If you find yourself bumping into things that you don't notice, trying paying deliberate attention for a while to reduce it. If you find it difficult to see obstacles even when you are deliberately focusing on it, you might have a problem with your eyesight. Visit an ophthalmologist or optometrist to get your eyesight checked. It is not always easy to evaluate your own eyesight, because you will have become accustomed to it. A doctor will be able to test your eyesight completely and prescribe suitable lens if needed. Like improving your balance, strength and flexibility can help you to be less clumsy. They can also help you recover more gracefully when you do have a clumsy moment. Core strength is especially important for balance. To build core strength consider doing sit-ups, crunches, and similar exercises on a balance ball. To build flexibility, stretch regularly. You can sit with your legs together, in a V shape, or with the bottoms of your feet together. Let your head hang. Do not push too far, or you might get injured. Remember to breathe while you are stretching.
Summary: Improve your balance. Get your eyesight checked. Increase strength and flexibility.

Problem: Article: A simple and inexpensive way to make a form for you mask is to use a balloon. The balloon is inflated to a size that is roughly that of your face. The paper mache will be placed over the balloon which is later popped, leaving you with only your mask. For a simple mask you can make use of cardboard or poster-board pieces to build the mask's form. Cardboard or poster board can be a great choice for your mask form, allowing you to create a stable shape that you find interesting. Cut out a flat piece of cardboard or poster-board that roughly matches the shape of your face. Cut out smaller pieces and glue them to the first flat piece to build features like noses or mouths. If you want your mask to be highly detailed and have complex shapes, using paper and tape to build a form is the best option. On top of a flat mask base made from a piece of cardboard, paper is wadded up into bundles and taped down, forming any shapes you might want. This method allows you to make detailed and complex shapes. Smooth shapes are possible to create with this method as well. Try to line up your masks eyes, nose and mouth with your own so that you can see and breath out of it once it is done. Hold the mask form up to your face to get a rough idea of where these features should go.
Summary:
Find a balloon to use for your form. Get a piece of cardboard or poster-board. Use paper and tape to form the mask.