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Reach out to the 3 big credit bureaus (TransUnion, Experian, and Equifax) both by phone and by mail. Ask them to flag the deceased's credit account as "Deceased. Do Not Issue Credit." This will help to prevent identity fraud or others using the deceased's credit to open cards or make purchases. Contact all credit reporting agencies via email or the phone. Ask for their policies regarding releasing credit reports. They will most likely ask you to fax over proof of your position as financial executor or executrix of the deceased's accounts. Be aware that, depending on the agency, it may takes weeks to receive these report copies. After you've received the reports, look over each of them. Disregard any accounts that show as closed or paid off. Instead, highlight or circle those accounts that still show as active and carry balances. These are the credit card companies that you'll need to contact. It's not enough to simply cancel all active credit accounts. To fully prevent identify fraud, request that the postal service forward all of the deceased's mail to you. Then, look for financial notices in particular and watch for anything indicating that additional credit accounts have been opened.

summary: Ask that the credit companies flag the deceased's credit account. Request a copy of the deceased person's credit report. Read over the credit report making note of any open accounts. Monitor all the deceased's financial mail for 1 year.

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There are different applications that you can use to design your book. Some, such as iPhoto and Adobe InDesign, will help you format and design the layout, but they will not print the book for you. Other services, like Snapfish and Shutterfly, will offer basic templates for you to upload images, and they will print and ship you the final product. Think about your needs, skills, and timetable to choose an application that will work best for you. If you want a service that will give you premade templates and print the book for you, Shutterfly, Snapfish, and Bookify offer basic layouts. Photo editing programs such as Adobe InDesign, Lightroom, and iPhoto can be used to make more advanced, personalized pages. You can then upload these files to a self-publishing service such as Blurb to have them printed. The size of the book will determine the price of the book as well as how many pictures you can put inside of it. Common sizes include eight by eight inches, eight by ten inches, ten by eight inches, and twelve by twelve inches. An eight by eight book will have no more than six to eight pictures per two pages, while a twelve by twelve book can have up to ten or twelve. Most photo books will start at about twenty pages per book, regardless of size, although you may be able to pay for extra pages. Photo book services tend to start at around fifteen to twenty dollars for a basic eight by eight book, whereas a twelve by twelve book can start at around sixty dollars. Extra pages, special bindings, and shipping can add to the price. If you are using a photo service, such as Shutterfly or Bookify, to create your layout, you will have the option of choosing from many templates. These free templates will show you how the pictures will be organized on the page, and they may even have room for text or graphic illustrations. Each page can have a different layout, and you should look over all of your options carefully. Consider how you are breaking up your book into sections. How many pictures do you have for each section? Roughly how many pictures do you need per page? Choose a variety of layouts that include different photo numbers and sizes so that your book has a different layout on each page. Most photo book services will allow you to upload photographs from your computer, and some may even let you choose photographs from social media websites, such as Facebook or Instagram. Vary the type of photographs that you use. You may want to use a mix of horizontal and vertical images to create variety in your photo book. Most photo book services will allow you to add text boxes to a layout. You can add the stories, memories, quotes, poems, and letters from your family in these photo books. Type them up first in a word document so that you can proofread it and save the stories. Copy and paste them into the text boxes on your layout. You may want to keep these memories and stories brief to allow for more room for images. If you used an all-in-one service like Shutterfly or Snapfish, you can order the book as soon as you are done formatting it. Order as many copies as you need to hand out to family or friends. You can also just print one copy and set it out at the funeral. If you used your own photo editing program, simply find a self-publishing program that will let you upload and publish your book. Blurb offers options for this. Some services may take a few days to produce your book, even if you select rush shipping. Research your service ahead of time to make sure that you can get your book when you need it.

summary: Choose your preferred bookmaking application. Decide on a size. Choose templates. Upload photos. Type in your stories and memories. Order copies.

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Roses require about 1" of rain each week, so make sure that you supplement their water needs if the rain isn't falling. Water them at the base of the plant near the soil. While you can't control where the rainfall lands, if you add water to your plants make sure that you're avoiding buds and leaves. Otherwise, your plant may suffer diseases and rot, which can result from water. Instead, focus your watering on the roots. To make sure that your soil is moist but not soggy, check it 2-3 times a week. If it feels dry, add water. Allowing the roots to get too wet can harm your plant, so if your soil has been soggy, give it time to dry before adding more water. Place a 2-4-inch (5-10 cm) layer of mulch around your rose plants. The mulch will help keep your plants moist, and as a bonus it will also help protect against weed growth. During the winter, mulch can also help keep your roses from freezing.
summary: Make sure that the roses get enough water. Avoid watering the leaves and blooms. Check the soil 2-3 times a week. Add mulch to your soil.