. If the seller rejects your offer, they'll tell you why. Ideally, they will only disagree on price, which is easy to negotiate. However, they might also disagree on other things, such as contingencies. Talk to your agent about how to proceed. You can expect sellers to claim that there is another buyer interested in the property. Trust your research. If the home has been on the market 120 days, it's unlikely a second buyer suddenly appeared at the same time you did. If you increase your bid, don't go too high. You still need to be able to afford your house. You've been pre-approved, but you still need to apply for a mortgage. Complete the application and submit all required supporting documentation. Mortgage rates are determined when you apply (not during the pre-approval process). Don't be afraid to shop around for the best rates. Check your purchase offer to see who will pay for them. You will need to pay for the inspection and appraisal fees at the time of service. If you plan to do the inspection yourself or do not want an inspection, then you may not have to worry about this cost. However, getting an inspection is a good idea in case there are any major issues with the home. The appraiser will take photos and send those to the underwriter along with their report. The underwriter is in charge of approving the loan, so any issues may delay approval. In some cases, a rehab loan may be required to move forward. If the inspection uncovers problems, then discuss with the seller how to handle them. You can ask the seller to repair the problem before closing, or you can ask for a credit that will be applied against the purchase price. Depending on your contract, you might also be able to walk away from the purchase. Your lender will be interested in the appraisal, since they won't lend you more than the townhouse is worth. You can contest the appraisal if you think it is low. Your lender will probably require that you have homeowners insurance before they will give you the loan. You'll need to pay your first year's premium at closing. You can shop around for the best deal. At the closing, you'll need to pay for your down payment, closing costs, and possibly the first payment on your mortgage. You may also need to pay your lawyer. You'll need a certified or cashier's check to cover the closing costs and your down payment. You'll end up signing dozens of documents at your closing. Your lawyer or real estate broker should attend along with you in case there are any problems. Pay attention to the following: You will receive a closing disclosure. This document should itemize how closing costs have been divided between you and the seller. Although you should have received this document a few days in advance, double check the information. Carefully review the terms of your mortgage. Again, there shouldn't be any surprises. Stop the closing if the mortgage details are not what the lender has previously told you. At the end of the process, you should get the keys to your new home!
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One-sentence summary -- Go back and forth with the seller Apply for your mortgage. Have the home inspected and appraised. Purchase insurance. Get certified or cashier's checks. Attend your closing.

Consider using high school students for this, since they often need community service hours in order to graduate. You want to know exactly how much money is coming in the door and through your vendors to your cause. You can use this later to announce your success or persuade to crowd to donate more to help you reach a goal. With the decline of cash payments, many people will no longer be carrying cash around with them. Consider using a mobile payment processor to allow guests to buy tickets and donate. There are several options to choose from to be sure to do your research. Make sure the venue, vendors, and your volunteers are ready. Reinforce why you are all there and the difference you are making. Walk around and thank your guests for coming. Be sure to also thank your sponsors, artists, and other contributors on stage during a break in the band's set. Track the successes and mistakes of your first concert and implement changes in the following ones. You made this happen, and with luck you will be able to call it a success. Whether you raise $10 or $10,000, you've brought people together for a cause you believe in and a good time.
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One-sentence summary -- Find volunteers to take tickets and lead people to their seats. Devise a money-management method. Arrive at your venue early on the day of each event. Thank your guests. Learn and improve. Enjoy your concert series!

Wet the potato with warm water, then use your hand or a vegetable scrub brush to clean the potato. Be sure to get into any dips or rough spots to remove any stuck-on dirt. If you're peeling the potatoes, you might skip this step. However, it's helpful to start with a clean skin so that you don't accidentally transfer dirt from the skin onto the edible part of the potato. Red and gold potatoes are easier to freeze than russet potatoes because they will blanch well whole, even with their skin. If you'd prefer to chop them up so they'll be ready to cook later, use a sharp knife to cut them into cubes or slices. If you prefer, it's okay to peel your red and gold potatoes before you freeze them. Place the pot of water on the stove, then turn the heat to high. Watch for bubbles rising from the bottom to the top, which means the water is boiling. You should see consistent bubbling on top of the water when it's boiling. Potatoes that are about 1.5 inches (3.8cm) or smaller are considered small, and potatoes that are larger than this are considered large. However, potatoes that have been cut should be treated as small potatoes. Set a timer so you can keep track of the cooking time. Use a plastic bag with a zipper or a plastic food storage container. Leave about .5 inches (1.3cm) of space inside the container. Label the container with the contents and date they were frozen. Then, put the container in your freezer. It's a good idea to pre-portion your potatoes so that you'll have enough for 1 meal in each bag. You can store your potatoes in the freezer for about 12 months. Be sure to write the date on the container so you can keep track of how long they've been in the freezer.
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One-sentence summary -- Scrub the potatoes to remove any dirt. Leave red and gold potatoes whole, or chop them up if you prefer. Bring a pot of water to boiling over high heat. Blanch small potatoes for 3-5 minutes or large potatoes for 8-10 minutes. Put the potatoes in an airtight container and freeze them.

In the upper-left corner, you will see a display of your current chip count. This represents how much you can wager during a poker game. There are a couple different ways that you can join a table. You can click the "Play Texas Hold'Em Now" button at the top of the screen to randomly join a table in your skill level, or you can use the table list to see all of the different tables available to join. You can use the Table Stakes drop-down menu to filter which tables appear on your list. The "Stakes" are what can be bet each hand, while the "Min/Max BuyIn" is what it costs to sit down at the table. Most tables have a general difficulty level next to the table name. This will give you an idea of the kinds of opponents you will be facing, but be aware that people may misrepresent themselves. You can hide empty and full tables by checking the appropriate boxes at the bottom of the list. At the bottom of the page you will see your Facebook friends that also play Zynga Poker. You can see how many chips they have, and if you click on their name you can see their achievements and stats. Your online friends will be displayed in the box on the right side of the page. You can use this to send invites to play a game together. Your current level is displayed at the top of the screen. You increase levels as you gain experience, and experience is gained by playing and winning games. Leveling up earns you new tables, achievements, and gifts. You can review your profile by clicking the Profile button on the left side of the screen. You can see your detailed stats, any unlocked items, and your achievement progress.
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One-sentence summary --
Check how many chips you have. Find a table. See how your friends are doing. Check your progress.