Problem: 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.

Problem: Article: Don't try to ignore or deny the problems caused by your parents' dislike for your fiance. If anything, use it as added motivation to strengthen the relationship you have with your partner. Communicate openly and often about your feelings and concerns, listen attentively, and seek support and solutions from each other. For instance: "You've probably noticed I've been feeling down about my parents' refusal to accept you. Can we talk a bit about it and see if we can come up with any ideas?" Your parents' negative attitude will weigh on you, but it will also impact your partner. They will likely feel some amount of guilt for causing this rupture between you and your parents. Be clear with your fiance that you don't blame them and that you support and love them just the way they are. Watch signs that your partner is stressed, sad, or feels guilty about the issue, and also be mindful of the signals you are putting out. Are you acting like your fiance's partly to blame even if you keep saying "It's not your fault"? Talk and listen openly and honestly. Family disapproval can destroy romantic relationships by sowing seeds of doubt or distrust. If you truly want your forthcoming marriage to succeed, don't be afraid to seek out professional help in working through the problems caused by your parents' dislike for your fiance. Being determined to make a relationship work is a sign of strength, not weakness. Talking with a therapist can help reduce the stress created by the unpleasant reality of your parents' disapproval. You can also engage in stress-reduction strategies with your fiance by doing things together like exercising, meditating, trying yoga or deep breathing, or taking up relaxing hobbies. The therapist will use their judgment on whether to include your parents in a session or two. Sometimes an outsider can connect with parents better in this kind of situation.
Summary: Talk to each other. Empathize with your fiance. Consider couples' counseling.

Problem: Article: To keep the ingrown hair clean and lower the risk of infection, you can soak a clean, cotton washcloth in warm water and rest it over the ingrown hair. Keep the washcloth on for three to five minutes and repeat this three to four times a day. Be sure to use a clean, fresh washcloth each time you do this. You can also do this as a way to exfoliate the area, making it easier for the hair to eventually fall out on its own. Exfoliating the area with the ingrown hair can help to loosen and remove the hair. You can use natural ingredients like baking soda and olive oil to make a paste that will help to prevent infection and soften the area. However, be very gentle when applying the paste to the ingrown hair. Combine teaspoon baking soda, sea salt or sugar, and 1-2 tablespoons of olive oil. The olive oil has antibacterial properties and will keep the ingrown hair from getting infected. Apply the mixture with a Q-tip or a cotton ball to the ingrown hair. Use the tip of your finger to softly rub in the mixture in circular motions. Do three to five clockwise motions and then three to five counterclockwise motions. Rinse the area off with warm water and pat it dry. You should also wash your hands and put the towel you used to dry the area in the laundry to reduce the risk of infection. Repeat the exfoliation with baking soda and olive oil at least two times a day. Aspirin can help to dissolve the skin around the ingrown hair and soften the hair, making it more likely to loosen during exfoliation. Take a 325 mg tablet of aspirin and soak it in 1 tablespoon warm water. Make sure you are using an "old-fashioned" tablet that can dissolve in water, not enteric coated aspirin. Check that the tablet does not have a hard outer shell. Put a few drops, three to five, of honey into the dissolved aspirin. The honey will work with the acidic aspirin to help "draw out" the ingrown hair. Apply the mixture with a Q-tip to the ingrown hair and let it dry. You can leave the mixture on overnight so the honey can dry. Rinse the dry mixture off with warm water and pat it dry. Repeat the application of the mixture to the ingrown hair every night. Black tea may help to soften and draw out the ingrown hair. Take a tea bag of black tea and soak it in warm water. Then, place the wet tea bag over the ingrown hair, leaving it on for five to ten minutes. Apply the wet tea bag every two hours on the first day the ingrown hair appears. Repeat the application twice a day after the first day. Once the hair starts to soften up and become loose, you can use an exfoliating pad or brush to gently rub the area until the ingrown hair becomes dislodged from your skin. Use gentle, circular motions on the ingrown hair with the exfoliating pad, doing three to five clockwise motions and then three to five counterclockwise motions. Check to see if the ingrown hair has been removed. If it has not been removed, repeat the motions again until the hair falls out. Be very gentle as you exfoliate the area to reduce the risk of infection or scarring.
Summary:
Apply a warm washcloth to soothe and clean the area. Make a baking soda, salt, and olive oil mixture. Soften the hair using aspirin. Draw out the hair with black tea. Use an exfoliating pad or brush to loosen the hair.