INPUT ARTICLE: Article: There are two types of foreclosures. A foreclosed deed of trust allows the buyer to purchase the property when it becomes foreclosed on. A foreclosed mortgage allows the foreclosed-on owner a redemption period. If they can pay the foreclosure costs to make the property current, they own it again. You can find the foreclosure details with a title search and decide if you want to wait it out. If you are buying from a bank, they do not typically sell properties with a right of redemption on it. Instead, they will hold and care for a home during that time period. After the period has lapsed, they may sell the home. The previous buyer has no rights after a foreclosure with a deed of trust aside from the standard move-out laws for that state. Typically it would be 20 days written notice but if there are renters in there, federal law allows for a minimum of 90 days written notice if there is no state law overriding the federal law. Knowledge is power; you often won't get to the bottom of things until you've begun sleuthing around. In foreclosed homes, as in the rest of life, what seems too good to be true usually is. Figure out how long the home has been for sale. There's probably something wrong with a home that has a rock-bottom asking price that has been sitting on the market for eight months. Talk to the property's neighbors. Ask why the home hasn't been sold already. Sometimes, neighbors can give you info that's not in the bank's best interest to disclose. Foreclosed homes are sold "as is," meaning the buyer assumes all the risk if the home has defects. If there's a huge structural flaw in the basement, you can't turn around and sue the seller. For this reason, try to have the home inspected. It'll cost a few hundred dollars, but it can save you thousands. If you are interested in buying at auction, you typically can't view the property ahead of time. However, an experienced foreclosure agent can often get their hands on a recent inspection report, which is another reason to work with one. One way to get an inspection is to contact the current owner and ask. They can let you into the property; however, chances are they've already moved on. Knowing how much you're likely to spend on repairs and improvements will help you uncover whether you're getting a great deal or are getting hoodwinked. Contact an experienced carpenter or contractor and discuss what needs to be done on the property. They can estimate the costs. A good rule of thumb is to set aside 10% of the listing price for repairs. This might seem high, but you can pocket the change if you undershoot it. Foreclosed homes often have multiple liens for unpaid taxes on them. If you buy the property, the liens sometimes come along for the ride. For this reason, you should hire a title company to run a title report. You can also stop into the county land records office and look at the deed. Liens should be listed there as well. You definitely need legal representation even when buying a foreclosure. They can help review the paperwork to make sure everything is in order. Obtain a referral to a real estate attorney by contacting your nearest bar association.

SUMMARY: Get the terms of the foreclosure. Be a detective and ask questions. Get an inspection before you pull the trigger. Get estimates for repairs before you buy. Run a title report. Hire a lawyer.

INPUT ARTICLE: Article: Set your alarm slightly earlier than necessary so that you don't have to rush and can take your time getting ready. That way, you can start the day feeling relaxed. Set your alarm the night before so that you can sleep peacefully, knowing that you will be woken at the right time. Arriving on time will save you embarrassment and will give you time to find your classroom. Leave 10 minutes early to allow extra time to navigate unexpected traffic or parking difficulties. If you arrive early, take the opportunity to take some deep breaths before walking inside. If your parents are taking you to school, explain to them that you would like to arrive a few minutes early. If you are running late, try your best to stay calm. Most people are understanding if you are a little late on your first day. If you are catching the bus, make sure you arrive at the bus stop on time so that you don't miss the bus. Wearing something that you feel good in can help to calm your jitters and make you feel good about yourself. Choose one of your favourite shirts, or wear shoes that you love. If your school has a dress code, make sure that your outfit fits the requirements. Check the school website to find out if there is a dress code. If there is a uniform, this makes your outfit decision easy. Channel your nervous energy into preparing for your first day. Being prepared will give you peace of mind that you haven't forgotten anything. Get your bag out and write a list of everything that might be helpful for your first day. This is a great way to help ease the fear of forgetting something. Consider packing: a notebook, binders, folders, a planner, pens, a laptop or tablet, paper, a drink bottle, lunch, snacks, and a jacket. Organise your bag so the things you need most often (like pens) are easy to reach.

SUMMARY: Wake up early to give yourself plenty of time to get ready. Leave early to ensure that you arrive on time. Pick an outfit that makes you feel confident. Pack your bag with everything you will need for your first day.

INPUT ARTICLE: Article: You'll need large pieces of thick, sturdy cardboard, craft glue, paint, ribbon, and optionally a flat corner bracket which you can purchase from your local hardware store. Draw the shape of the axe you want, blade and handle, onto a piece of paper. The simpler the shape, the better it will work. Trace this shape onto at least four pieces of cardboard (six is better) and cut them out with a box cutter knife. If you're a kid, get help from an adult with this. It's very easy to stab yourself or cut your finger off! Take one piece of cardboard to act as the center. Glue the corner bracket at the L between the handle and the the blade. You can also place a thin stick or dowel rod in the handle piece if you want to. Glue all of the layers together, with the reinforced section in the middle. You can use the box cutter to bevel the edges of the blade section if you want. Once this is done you can cover the whole thing in duct tape, paint it to look real, or wrap the ribbon around the handle to give it a really authentic look. Enjoy your new battle ax!

SUMMARY:
Gather your materials. Make your template. Cut out your pieces. Reinforce the center. Glue the pieces together. Add finishing touches. Done!