INPUT ARTICLE: Article: A land contract is when a homeowner agrees to sell a home directly to the buyer, with the terms for the deal set privately by the buyer and the seller. This allows for flexibility in setting up an agreeable payment schedule and permits the sale of homes to individuals with bad credit. Typically full payment is expected quicker than would be the case with a traditional mortgage, but the period of repayment is usually at least five years. The buyer lives in the house while he or she is completing payment on the property. However, payments may be based on a 15 year or longer payment schedule, with a balloon payment at end. This often requires the buyer to renegotiate with seller or find other financing. Land contracts can be known by several other names, which vary in part by region. Synonyms include: Trust Deeds, Contract for Deed, Deeds of Trust, Home Notes, Owner Financing, or Privately Held Mortgages. It is possible that you will not be able to pay for the house under the terms initially stipulated. In a sale conducted with a bank, the seller will obtain the full value of the property more or less immediately upon sale. The land contract, therefore, provides much less confidence about the security of repayment. However, if the buyer does not pay on schedule, the seller can terminate the deal, keeping the home and all payments. There is the possibility that damage will be incurred to the property while the seller occupies it, but land contracts often make the buyer responsible for the upkeep of the home. These are much more serious than the risks of the seller. Once a land contract is signed the buyer will only be considered to have an "equitable title" not a full "legal title" to the house. If one misses payments they might lose title to the house and all of the money that they have paid for it. While you will have flexibility in negotiating your payment schedule, you might still find the terms more difficult to meet than a traditional mortgage payment. The rate of repayment is much quicker and the interest rate higher. Most land contracts are also set up so that in the end you will need to pay a large lump sum payment, for which you might still need to take out a loan.

SUMMARY: Learn about the concept. Understand the risks of the seller. Understand the risk of the buyer.

INPUT ARTICLE: Article: This is an ideal way to break the ice, and to remind her who you are. Plus, it shows that you remember details about your interaction. For example, if you met her at a study group, ask her if she's fully prepared for her upcoming test. Similarly, you could also continue a conversation you had when you met her. If she recommended a certain movie, for example, you might say something like, "I just watched (movie title) and see what you mean about the (plot/cinematography/characters)." You can then ask for her opinion about a specific part or detail, or ask if she's seen a similar movie, to keep the conversation going and encourage a reply. Since you just met this girl, it's true that you may not know much about her--on the other hand, since you managed to get her number, you probably know at least something. Scan back through the conversation you had when you met and find some detail about her you could build a conversation on. Since most people enjoy talking about themselves, asking her to divulge more about herself can encourage conversation. For example, if she casually mentioned that she enjoys running at the local park, ask her how far she runs, or about her workout routine. As another example, if she only briefly mentioned that she works with kids, you could ask her what type of childcare work she does, if she enjoys it, and so on. If you mentally combed through your initial meeting and you're still stuck for ideas, a random question that piques her curiosity might work. Just make sure you choose something both interesting and lighthearted. For this method, it's best to skip the standard greeting and jump right into the topic, creating the impression that the thought just suddenly came to you. As an example, you might ask something like, "Quick! Which is better: gelato or frozen custard? This is super important..." Come up with messages you know will trigger an immediate response from this girl due to their mysterious, intriguing nature. For example, tell her you had a crazy dream about her last night. Chances are, she'll respond shortly to ask you for details about your dream. Keep the tone of your initial meeting in mind when going this route, however. If you met under casual circumstances without a hint of romance in the air, or if she seemed hesitant about giving you her phone number, you might want to go easy on comments about seeing her in your dreams until after some trust and romantic context has been built in person. Using humor is an effective way to bond and grow closer with most individuals, including your crush. When in doubt about what to say, share a funny joke or picture that makes her laugh without causing offense. Skip negative or demeaning jokes--even those about yourself--and opt for goofy one-liners built on things like puns and everyday observation. For example, you could try something like, "I think the brain is the best, most fascinating organ. Then again, look what's telling me that."

SUMMARY: Open with a text related to how you met. Use what little you know about her to your advantage. Try a random conversation starter. Send text messages that sound intriguing. Send texts that make her laugh.

INPUT ARTICLE: Article: This will strain the bay leaf, garlic and other food particles from the stock.

SUMMARY:
Add the mussels and cook them for 3 to 5 minutes or until they have opened. Remove the mussels with a slotted spoon and add them to your large plate set to the side. Pour the stock through a sieve into a large bowl. Pour the stock back into the pot and return the soup to a simmer. Discard the garlic and bay leaf. Add the cream and taste the stock to check if you need to add salt and pepper to taste. Add the monkfish medallions to the stock and cook them for 1 minute. Return the mussels and vegetables to the pot and cook everything for 2 minutes or until it's all heated through. Stir the soup occasionally with a wooden spoon or a ladle. Remove the fish, mussels and vegetables from the soup with a slotted spoon and divide them evenly between each of your serving bowls. Ladle broth into each bowl and sprinkle the soup with tarragon and parsley.