Article: Before attempting to insert an earring when the hole is almost completely closed, you'll want to make sure your skin is soft. This will help to make the piercing go in easier, and reduce any pain you might experience. Try to insert the earring after taking a bath, shower, or even after a swim. Before inserting the earrings, you'll want to make sure your hands and the earrings are clean to avoid infection and irritation. Wash your hands thoroughly with soap and water then grab some rubbing alcohol or hydrogen peroxide. Both are great disinfectants. Dip a cotton ball or pad into your chosen cleaning solution and then gently rub it on your earrings. You can also put your earrings in a small bowl of hydrogen peroxide and let them soak for 10-20 minutes. Put your cleaned earrings on a paper towel to dry before attempting to put them in your ear. If the hole isn't completely closed off, you can stretch your earlobe to increase the size and reduce thickness of the hole. To do this, gently tug on the area around the piercing with your thumb and index finger. This should allow your piercing to go right in with little to no pain. Check the front and back of the lobe to see if the hole has widened before inserting the earring. You can use a small, handheld mirror to see the back of the lobe. If you do not see the hole opening, or are worried about pain when you put your earring in, you can numb it with ice. Grab 1 or 2 ice cubes and wrap them in a paper towel. Place them on the front of your earlobe and rub in a circular motion for 15 minutes. Do this on the back side of the ear lobe as well, until the area feels cold and numb. You can also use some numbing cream if you prefer. Now it's time to get that earring back in the hole. A thin tissue membrane may have formed around the hole, so you'll need to apply some pressure to get the earring in. Using a mirror, look behind the ear to see the earring post pushing against the lobe. This is a way for you to find the thinnest part of the lobe so that you can easily push the earring through. You may have trouble getting the earring through the hole from the front. If this is the case, slightly turn your ear lobe and try to insert the earring from the back. The hole may be more open from that side. If you tried to put the earring in from the front and back of the lobe and it still won't go in, try to insert it from different angles. It might go in if inserted at the right angle. Cartilage piercings close quicker than standard ear lobe piercings. Be very careful when attempting to re-insert these piercings, it may hurt! If the earring won't go in with some pressure, the hole might have already completely closed, and you need to see a professional. If you experience a significant amount of pain when applying gentle pressure, or if the earring post starts to bend, stop attempting the insertion. Your earring hole has completely closed, and you'll need to get it re-pierced.
Question: What is a summary of what this article is about?
Take a shower or bath to soften the skin of your earlobe. Wash your hands and sterilize the earring posts. Stretch the earlobe to widen the hole. Apply ice to the earlobe to numb it before inserting the piercing. Push the post through the front of the earlobe with gentle pressure. Insert the earring from the back of the lobe if it doesn't work from the front. Experiment with different angles if the earring won't go through immediately. Contact a professional if the earring won't go back in.

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.
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One-sentence 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.