In one sentence, describe what the following article is about: If you don't have a phone, borrow one from an someone who has one. They are great for keeping you entertained with games, apps, music, and videos. Make sure you have the permission of the person you are borrowing the phone from before downloading anything. If you need to connect to the internet to play a game, watch a video, or listen to music, make sure that you are wearing headphones or have turned down the volume. Ask your parents or older family members for permission before using a tablet or computer, if you do not have your own. You may already have games or apps that you enjoy, but you may also get help from your parents or older family members to help you find more that can help you pass the time. While some apps are free others require a payment. Do not purchase anything without permission from your parents or older family members. If you have the permission to download something on someone else's tablet/computer, you may need to know what type of computer or tablet you have. Some apps may only work with a certain type of tablet, like an iPad for example. Read the description of your game or app to be sure it works with your computer or tablet. Ask an adult for help if you are still unsure. Use earphones so that you can make the volume as loud as you want without, waking up the rest of the house. Whether you watch a movie on a tablet or binge watch an entire TV series, choose something you enjoy. Watch a funny movie or a scary movie to keep your mind engaged. If you watch a movie that you have seen many times or a very slow movie, you may fall asleep. Plan ahead of time and ask your parents or older family members to help you download movies or TV shows for your tablet, phone, or computer. You may also ask them for help to PVR some TV shows if your TV is able to record them. Use headphones to make sure that you do not wake up anyone else in the house. Whether you have a gaming console or are able to borrow one, video games can keep you occupied all night. If you are having trouble passing a level, then switch to another game. The more you get frustrated, the more likely you are to get tired and go to sleep. Borrow games from friends or family to make sure you are entertained throughout the night. You may have already completed all the games in your collection and a new challenge can help your mind stay alert. Make sure to use headphones when trying to stay awake with music. You do not want to keep the rest of your house awake. Listen to music with a faster beat as slow and quiet music may make you tired. Create a playlist of your favourite songs that you know will get you energized the days leading up to your all-nighter. You may want to find music that will get you up and dancing. Use an mp3 player, mobile phone, or tablet that's portable so that you can move around while you listen to your music. Use an alarm clock as a safety net when you try to stay up all night. If you feel yourself drifting, set the alarm for 30 minutes or one-hour intervals so you can jolt yourself awake. If you don't have an alarm clock, ask to borrow one from your family or friends. A digital alarm clock may be set by going into the settings menu for personal preferences on volume, the type of alarm, and how long your alarm will ring. Alarms work because they trigger your body's natural stress response. Some alarms come with a snooze button that stops the alarm from ringing but restarts in a few minutes. While you immediately become alert once you hear an alarm, if you press the snooze button too much you will get your body to ignore its natural response which will leave you feeling groggy. Test your alarm clock. Make sure that the batteries are good or plug it in if it doesn't run on batteries. If you are borrowing it, ask the person you are borrowing it from how to set it and to test it with you to make sure it works properly.
Summary: Have fun with a mobile phone. Use a tablet or computer. Watch TV or a movie. Play video games. Listen to loud music. Set an alarm clock.

In one sentence, describe what the following article is about: The down payment will be the largest immediate cost of buying a home. If you can pay for at least 20% of the total cost of your home up front, you will not have to pay private mortgage insurance (PMI), which protects the lender against you defaulting on your loan. If you must buy PMI, your monthly payments may be significantly higher. You'll also be able to get a better interest rate from mortgage companies, saving you money in the long run. You don't have to save up a 20% down payment in order to buy a house. Some loans will allow you to put 0% down, while others may require 3%, 3.5%, 5%, or 10%. Work with your lender to find the best option for you. However, paying this little will cause you to have to pay PMI. Some companies may allow you to skip PMI in return for paying a higher interest rate. This may or may not be a better option for you. Talk to a tax advisor to find out the best way to keep costs down. Closing costs include the inspection fees, property taxes, appraisal fees, escrow fees, lender insurance, recording fee, and the prepaid interest charged by your mortgage company. You may also need to pay extra fees directly to your lender, such as a charge to check your credit and a loan origination fee. All together, these will usually total between 2-5% of the total cost of the home. Moving expenses in the U.S. will generally run you between $400 and $2,000 USD. Although your inspection and appraisal fees are part of your closing costs, you will pay them when the services are rendered. In some cases, you'll need to pay for your first year of home insurance at closing, as well. Prepaid interest is the total interest that accrues between the day you close on your mortgage loan payment and your first official mortgage payment. Chances are that when you move in, you'll want to make some repairs. You may also want to fill up some empty rooms with new furniture! Since you should expect to invest about 1-3% of the total cost of your home each year in maintenance, plan to spend about that much right after you buy the house as well. It's never a good idea to get behind on mortgage payments, so make sure you're starting off your relationship with your lender on the right foot. If you've got enough saved to make at least a half-year of payments, you'll be prepared for any emergencies that could come up. Dedicate some of your savings to covering emergencies. You should always have enough money in savings to pay for 6 months of your total expenses (including food, utility bills, childcare, and everything in between). If buying a house would wipe out this emergency fund, you're not quite ready to take the plunge yet!
Summary: Shoot for a down payment of about 20%. Add in the closing costs and moving expenses. Have some cash ready for repairs and decor. Set aside enough to cover 6 months of mortgage payments. Do not plan to empty your savings account.

In one sentence, describe what the following article is about: 200 mg of ibuprofen in the morning after breakfast. Be sure to talk to a doctor before doing this to be sure you don't have any allergies. If ibuprofen isn't available, acetaminophen will have the same affect. Both of these help relive sore muscles through their anti-inflammatory ingredients. Spend 30 minutes in a tub of hot water and Epsom salt. Epsom salt helps flushes the toxins out of your muscles. It also decreases muscles inflammation. While in the tub, rub your abdominal muscles firmly to help blood flow into your muscles. There is no evidence that Epsom salts flush toxins. However, many people report feeling better after Epsom salt baths. Icing helps reduce inflammation if used within the first 72 hours of workout or injury. It helps to reduce pain if applied for 10-minutes intervals. Do not ice directly before you plan on moving a lotyou'll be prone to injury if you try to move too much when your muscles are cold. Never apply ice directly to the skin and never apply it for more than 20 minutes at a time.
Summary:
Take Ibuprofen. Take an Epsom salt bath. Ice your muscles.