Problem: Article: If you own your car outright, then you can get an auto equity loan. Generally, you can borrow 100% of your car's value, though this amount will differ depending on your credit history. If you have not paid off your car loan, then the car is currently serving as collateral for that loan. However, you might have paid off some of your loan. In that situation, you can get a new loan for a higher amount, using the car as collateral. Keep in mind that cars depreciate in value, so if you end up having to sell the car, you may not have enough to pay off the loan. There are a couple types of secured loans you can get using your home as collateral, and there are many lenders willing to make these loans. Consider the following types: Home equity loan. You get a loan for a fixed sum of money and repay it in equal monthly installments. If you do not repay per your agreement, the lender can foreclose. Generally, you can get a loan equal to 85% of the equity in your home. Home equity line of credit. A HELOC operates like a credit card. You borrow as much as you need, up to the limit set by your lender, and make payments on the amount you borrow. Typically, you can borrow up to 85% of the equity in your home. If you default, your lender can seize your home. Some banks extend loans to customers who have a savings account with them. Because the account secures the loan, you generally cannot access the account until you pay the loan back. You can also use a certificate of deposit as collateral for a bank loan. You can get a secured loan using all kinds of assets as collateral. Consider any personal property that has value and which you own, such as the following: Watercraft Motorcycles Equipment Furniture Computer If you have investments with a private bank or investment broker, then they may lend you money using your accounts as collateral. Often, you can get a loan up to the full amount of your account. Some banks will give you a "cash advance loan" or "salary advance loan" backed up by your future paychecks. Generally, these are short-term loans, due when you receive your next check. Many lenders offer legitimate salary-advance loans. Do not confuse these with "payday" loans, which have sky high interest rates and are illegal in many states. Payday lenders tend to operate out of storefront offices, like pawn shops. By contrast, banks and credit unions offer salary-advance loans. Businesses can use many assets to secure a loan for their business. For example, a client might issue a large purchase order for product. To fulfill the order, you need to hire staff or make other investments. Banks will often lend against your assets, such as accounts receivable or inventory.
Summary: Pledge your car as collateral. Use your home as collateral. Offer your savings account as collateral. Pledge personal property as collateral. Pledge stocks and other investments as collateral. Use future paychecks as collateral. Pledge business assets as collateral.

INPUT ARTICLE: Article: Some Italian restaurants offer whole pizzas as an appetizer for the table to share. If that's the case, you can grab a slice and hold or fold it to eat it. Try to stick to one slice until everyone in the table has gotten a piece. If you're wearing nice clothes and worried about dropping some toppings on yourself, you can use a fork and a knife to eat your pizza, as long as there are appetizer plates for you to set the slice on. In any formal dinner setting where pizza is the main entree, rest the slice on your plate and use the fork and knife to cut it into smaller pieces. Avoid picking up the slice with your hands, which can be unnecessarily messy. This will keep you from getting sauce and toppings on your clothes or face while eating, and is easier for talking while eating. In a formal dinner setting, if you don't know the proper etiquette for eating your food, you can always look to the host to see what's acceptable. When the pizza gets to the table, let the host take their piece first, which will give you time to make note of what they do. Try to avoid staring at them while they eat, which can be considered rude. Instead, focus on getting your pizza onto your plate and then glance at them to see how they're eating it. Depending on where you're from, the right way to eat pizza might be a controversial topic. If you're at dinner and someone is eating pizza differently than you would, avoid making comments about it. Follow the host's lead and eat the way they're eating to be polite. If someone makes a comment about the way that you eat pizza, take it in stride. Many people have strong opinions on the right way to eat a pizza because of where they're from. Just remember, all that matters is that you're enjoying the delicious slice in front of you!

SUMMARY: Eat an appetizer pizza by holding it if you're at a restaurant. Show your manners by eating pizza with a fork and knife if you're at a business meal. Follow the host's lead if you're unsure of how to eat your slice. Keep your pizza opinions personal to avoid conflict.

In one sentence, describe what the following article is about: Because JK Rowling gets so much fan mail, anything that stands out is going to be more likely to get a response. Try decorating your envelop a little with colors and artwork. Handwriting your letter will also stand out, as most letters are typed. Just make sure you write very clearly and legibly if you choose to handwrite. This is your fan mail, so don't forget to put a little of yourself in it. Start by introducing yourself. Then write a little bit about yourself. Just don't make it a novel! Write about what her books (like Harry Potter) means to you and how much you enjoy it. Mention a few specific parts or details in Harry Potter that you liked in particular and explain why. You're much more likely to get a response if you give Rowling a question or two to answer. At this point she's likely heard pretty much every question imaginable about Harry Potter. But regardless, try to think of something somewhat original to ask. Something vague and unoriginal like "What inspired you to write Harry Potter?" isn't going to pique much interest. If you have any creative interests, like writing or drawing, put them to use to make your letter to JK Rowling unique. Add a drawing or a poem along with your letter. It can be inspired by Harry Potter but it doesn't have to be. Don't go on and on in your letter. Keep in mind how many of these Rowling has to read on a regular basis. It might be wise to go back through your letter after writing it and edit it, cutting it down until it's concise.
Summary: Make your letter stand out. Make your letter personal. Ask questions. Add something creative to your mail. Keep it short.

In one sentence, describe what the following article is about: Remove the leaves from each strawberry. Clean them as needed. Add a few ice cubes. Add sufficient water to cover the strawberries and cubes. Blend all the ingredients to combine. Taste a little, then sweeten to taste with the sugar. Stir with a long-handled spoon.
Summary:
Prepare the strawberries. Place the strawberries into the blender. Pour in the lemon juice. Drop in the mint leaves. Fill a pitcher or jug halfway with ice cubes. Pour the blended slushie into the pitcher or jug. Serve immediately.