Q: There are a few common bad practices to keep your eye out for, and lenders are more likely to try these practices on someone with bad credit. A few examples are outlined below. Loan Flipping involves repeated encouragement to refinance your loan, and borrow more money each time. Refinancing comes with fees and increases your interest rate. Insurance Packing is the policy of adding unnecessary insurance, such as credit insurance, to your loan. Bait and Switch is a tactic used by lenders to offer a set of terms, and then push higher charges right before you sign the paperwork. If your lender tries to change the loan terms on you last minute, don't fall for it. Equity Stripping is when a lender offers you a loan that is solely based on the value of your home and not on your ability to repay. This is an attempt to have you default on your loan and forfeit your property. To avoid this, look at your finances and be sure you can confidently pay each monthly payment. Because your house is being held as the source of collateral, defaulting on a home equity loan can put your home in danger. Before you decide to open either of these types of loans, be sure you can pay the borrowed money back. Don't borrow more than you can repay. This is the easiest way to lose your house to a lender. Some home equity loans will punish you for paying ahead of schedule. This means that, even if you are able to pay off your debt earlier than expected, you may not be able to. If there is a distinct possibility of paying your debt ahead of schedule, consider negotiating the prepayment penalties out of the contract. If for some reason you realize you have made a mistake, and less than three days have passed since the contract was signed, you can legally cancel the contract. You have until midnight on the third business day to cancel the transaction, starting on the day you sign the credit contract. You can only cancel if you are using your principal home as collateral. If you decide to cancel, you must tell the lender in writing.
A: Be careful for deceptive lenders. Recognize the consequences of defaulting. Check for prepayment penalties. Know the Three-Day Cancellation Rule.

Q: You will need two and a half times the amount of batting as you need foam core. Then, get ready to layer your foam and batting. Make sure to apply an even, thin layer atop the wood base. Let it sit according to package directions. Apply an even layer, and then wait for it to dry. Lay and center a large piece of batting on the table. It will need to wrap around the base and foam to create the upholstered look. Center it on the table so that you will have more than enough batting on every side to wrap around the back of the base. Plug in the staple gun, as needed, and refill it with staples. Affix the batting to the base with staples within the first inch and a half of the edge of the base. Work from the center of each side out toward the corner. Use a hammer to knock loose staples into the wood. Create square corners by folding one side of the batting in toward the other side of the corner. Then, pull the batting up on the second side and affix it with several staples to the base. Make sure not to cut below the staple line.
A: Buy a large roll of batting from a craft store. Cut a piece of batting in the exact size of the foam core and plywood base. Set your wood base on top of the worktable. Glue the foam to the wood base using foam glue. Glue the batting to the top of the foam with a layer of foam glue. Pick your wood base, foam and batting off the table. Lay the wood base facing down on top of the sheet of batting. Choose a mechanical staple gun, an air compressor staple gun or an electric staple gun to affix the batting and fabric. Starting at the center of one side, fold the batting around the bench and onto the back of the base, pulling fairly hard to create tension. Staple every inch. Create round corners by pulling the batting around the center of the corner and affixing it right at the corner. Continue stapling until the entire edge of the batting is wrapped around the foam core and secured. Cut the excess batting from the bottom of the base.

Q: The process of looking for work in Norway is essentially the same for citizens of countries outside the EU/EEA. You will still need to trawl through online listings and look for a job that you meet the requirements for. Language could be a significant barrier, but try typing "English" into the search bar on job websites to narrow down the search. If you are invited to interview for a position, but are not at that time living in Norway, ask for a Skype or telephone interview. Be sure you check the validity of your qualifications in Norway before you apply for a position. There is a long list of regulated professions in Norway, which require you to obtain authorisation or recognition of your qualifications. Browse the list and find the details for each regulated profession online. If you are hoping to move to Norway from outside the EU/EEA, you will need to obtain a residence permit. In most instances, you should have secured a job before you apply for the permit. The type of residence permit you apply for will depend on your skills and experience, and the type of work you will be doing in Norway. There are different permits, for example, for skilled workers, seasonal workers, self-employed people, and those who work for non-profit or humanitarian organisations. You can start your application online on the NDI website: http://www.udi.no/en/want-to-apply/work-immigration/?nav-veiviser=12910 The instructions are in English, and you will be guided through the process. You will be required to attend an appointment at a police station or Norwegian embassy to progress your application. If your application has been successful, and you have been awarded a residence permit, you can now travel to Norway to begin your new life there. When you arrive you will have to register at your local police station. Here you will receive your residence card along with any further information or guidance that you might require. Normally you will book your appointment with the police through the online application portal used for your residence permit application. It is possible to appeal the decision, if your application for a residence permit was turned down. You must register an appeal within three weeks of finding out you were unsuccessful.
A:
Search for a job. Apply for a residence permit. Travel to Norway.