Foam mattresses should not be exposed to excessive water, so you need to take a cautious approach when spot cleaning stains. It is easy to get too aggressive when removing stains from a foam mattress, which can have the unintended effect of either pushing stains deeper into the mattress or getting the mattress too wet. If the mattress gets wet, it could easily get mildew. Never saturate the mattress with water or a cleaning agent. Instead of using a steam cleaner or a wet rag, you should use a spray bottle. You are less likely to get the mattress excessively wet if you mist the mattress with a small amount of water using a spray bottle. To get stains out of a foam mattress, you will need vinegar, baking soda or an enzymatic commercial cleaner. Another option is to create your own cleaning agent by mixing a few drops of dish soap into 3 tablespoons (24 g) of baking soda and 10 fluid ounces (300mL) of hydrogen peroxide. Enzymatic cleaners work very well, but vinegar is a trusted option that is also inexpensive. You can use a mix of half white vinegar and half water in a spray bottle. You can sprinkle baking soda directly on the stain. Follow the directions on the bottle of enzymatic cleaner. After spraying a moderate amount of cleaning agent on the stain, let it sit for five minutes. After the cleaning agent has had a chance to break down the stain, use a clean rag to remove it. Use a dabbing, up and down motion, as opposed to a circular rubbing motion. If you rub the cleaning agent around too much, you could end up spreading the stain. Let the baking soda sit on the stain overnight. In the morning, vacuum up the baking soda. This process should help remove any odors associated with the stain. Since foam mattresses do not do well when they are wet, you need to get your mattress dry as soon as possible. If you have access to an outdoor area and it is good weather, you could let the mattress dry out in the sun. If the weather is not amenable, you could set up a fan in your room to let the mattress dry out.

Summary: Exercise caution in your use of water and cleaning liquids. Choose a cleaning agent. Spray the stain. Remove as much of the stain as possible. Sprinkle baking soda on the stain. Dry out the mattress.

Seeds form when a flower on the bush dries up and falls off the stem. After the flower drops, you should see black pea-sized seeds left in its place. Each four o'clock plant should produce a large quantity of seeds. Pluck the seeds off by hand or wait until they drop off the stem on their own. If they drop to the ground, pick them up as soon as you see them. If the seeds are left alone once they drop, more four o'clock flower plants can grow in that spot. Another way to collect the seeds is to gently shake the seed-bearing stems, encouraging the seeds to break off and drop to the ground all at once. Spread the seeds out on a clean, dry paper towel and leave them in a dry location for five days. The seeds can rot if they are stored while still moist, so this pre-drying step is very important. Dry the seeds indoors to prevent birds and other animals from taking them. Place the dried seeds in paper envelops. Mark the envelop, then gently seal it and store the seeds in a dry location. You can use paper bags, as well. Paper allows air to circulate. Do not use an airtight container, though, like a plastic container. Storing the seeds in this type of container can cause mildew to form or may encourage the seeds to rot.

Summary: Wait for seeds to develop. Collect the seeds. Dry the seeds for 5 days. Store in paper envelops.

Bankruptcy is the process of eliminating some or all of your debts in exchange for either regular payments or a seizing of your property. Although it may not seem like an enviable option, it's the smartest way out of an underwater mortgage for many homeowners. When you file for bankruptcy, the foreclosure proceedings can be stopped with an automatic stay. In order to qualify for bankruptcy, you have to complete a means test, pre-bankruptcy credit counseling, as well as acquire the correct paperwork such as tax documents. There are essentially 2 different kinds of bankruptcy declarations, each with their own unique rules and specifications. As they relate to stopping a foreclosure, they are briefly described below: In chapter 7 bankruptcy, you ask to have most, if not all, of your debts discharged by the courts. In exchange for this discharge, the courts can take any property not exempt from collection, sell it, and distribute the proceeds to your creditors. With chapter 7, you won't be able to keep your house, but you will be able to stall the foreclosure for at least a couple of months. For chapter 7 bankruptcy, you will be able to keep your home if it is the only property you own and if you currently reside there. Though the debt will be discharged, you must continue to make payments on the home in order to keep it. If you do not make the payments, the lender can foreclose on the property. In some states, you will be able to discharge the debt and move out without any recourse, but in other states the lender may be able to come after you for the debt. In chapter 13 bankruptcy, you agree to a plan to pay back all or most of your debts over a certain period of time. The time you have to repay the debt, as well as the repayment plan itself, depends on how much you earn, as well as the types of debt you currently own. With chapter 13, you should be able to keep your home, especially if you think you'll be able to make payments in the future. The repayment plan usually lasts three to five years. S. Bankruptcy Court. Meet with a lawyer and declare your bankruptcy. Start making payments. After a while, attend a meeting of the creditors. This is a meeting between you and a bankruptcy trustee. However, your creditors may also attend. This meeting will give you a better sense of where foreclosure proceedings are at. Bankruptcy attorneys usually collect their fees before a bankruptcy begins because they don't want you to go bankrupt as a result of their fees. The fees could cost $1500 to $3000 or more depending on how complicated your situation is. Find an attorney who charges a flat fee and who has experience with bankruptcies.
Summary: Understand personal bankruptcy. Decide between filing chapter 7 and chapter 13 bankruptcy. File your bankruptcy petition with your local U.