In one sentence, describe what the following article is about: Credit unions are small, local banks that are owned by members rather than shareholders. Because of this business model, credit unions tend to have lower fees and a different customer service model that evaluates loan applications based on more than just a credit score. If your credit is poor, the rate will still be high, but not as high as it would likely be at a large bank. Because credit unions are member-owned, you must become a member and be eligible for a loan. Opening an account at a credit union is the same as opening an account at any bank. Bring some cash and identification and a banker will help you set up a checking and/or savings account. Talk with a banker at the credit union about your eligibility for a loan, and fill out the necessary paperwork. Because of the more personal approach taken by credit unions, the banker you talk to will be more likely to take into consideration your individual circumstances when applying for a loan. Even if a large bank has denied your loan application, a credit union may approve it. Nonetheless, you should not expect to receive a loan under the same terms and conditions as you would if your credit was good: bad credit will still mean that any funds you receive will only be granted at a high interest rate. This is because the bank is taking a greater risk on your loan than on a loan to someone with a better credit score. Your specific rate in this case can vary based on the loan offer your credit union makes. Consult an online loan repayment calculator to determine your payments and repayment schedule.
Summary: Find a local credit union. Open an account. Apply for a loan.

In one sentence, describe what the following article is about: Deep down, everyone is a nerd about something. Learn a little about her hobbies, or whatever makes her happy outside of your relationship. Show genuine interest in them, and she'll appreciate the effort. You don't have to fake enthusiasm, or even fully understand what she's talking about. Just make an effort to follow her explanations. Don't take the relationship for granted. Set aside time to give each other your full attention, and put in the effort to make it feel special. Does she stop to pet dogs on the street? Did she call something you did cute in conversation? Make a mental note of these moments, and she'll probably tell you everything you can do to make her smile without even knowing it. "Sexy" and "gorgeous" can be great in the right context, but people need recognition on other levels as well. Make sure your girlfriend knows you appreciate her intellect and skill. Every relationship is different. Remember to think of what your girlfriend enjoys, instead of repeating what worked on your last significant other. Sometimes, you have to let your girlfriend be mad, or sad, or whatever it is she's feeling. If she's going through a rough emotional time, don't tell her that everything's okay or that she just needs to cheer up. She should be able to trust you with every emotion she has, and seek support even when she's not up to smiling.
Summary: Discover your girlfriend's interests. Make time for her. Keep an eye out for what makes her smile. Compliment her on the things that matter to her. Wipe the slate clean from your last relationship. Know when to let her frown.

In one sentence, describe what the following article is about: Give online dating a try. Millions of people choose this route as an introduction to someone new and interesting. Meeting someone new in this manner is perfect for people who don't know where to meet someone, or would rather not frequent the typical places people go to find dates, such as bars and clubs. Also, online sites often do most of the legwork for you, and conduct screening processes before you even talk. This can reduce the pressure for people who are shy or hesitant to get back into the dating pool. Creating an online dating profile can feel overwhelming to some. How much do you reveal about yourself? The simple answer is to give the basics without going into too much detail. Choose a clear and attractive photo and explain a few things about yourself that you think are important in finding a match. For example, if you are divorced, it may be nice to add this to your profile, but you need not go into what caused the divorce or how much you hate people like your spouse. You could run off potential dates with this sort of energy. Keep it positive. Refrain from listing traits you prefer in a mate, unless they are make or breaks. For instance, if you love travel, you can say "searching for someone who enjoys adventure/travel," but it could be limiting to use that as a criteria for potential matches. Also, avoid giving out any personal information, such as your last name, home address, place of employment, or personal contact info. If you connect with someone, there will always be an opportunity to do this at a later time. If you make the decision to transform an online connection to an offline one, that's a good sign that the two of you are getting on well. However, keeping yourself safe in this situation is paramount. Due to scams and fake profiles, you want to use caution when meeting up with online dates. Only meet in public places when you go on your first few dates. Let a friend or family member know exactly where you are going and stay in communication with them often. Also, avoid giving out too much personal information about yourself, such as where you live or work. Online dating can be overwhelming, especially if you have lots of people who you are interested in dating. Some things you can do to reduce a feeling of being overwhelmed include: Messaging just a few people to start. You might find dozens of people who seem interesting to you, but contacting them all may overwhelm you. Just pick a few people to start and send them messages. Taking notes on people you talk to. If you are speaking with multiple people at once, then you might have trouble keeping their details straight. To make this easier, try taking notes on the people you are speaking with. Not waiting too long to meet in person. If you feel ready to meet someone in person, then do arrange a date. Try not to wait more than three weeks to meet someone you have been talking with regularly.
Summary:
Set up a profile on a dating website. Know what kind of information to include. Stay safe when meeting people from dating websites. Try to avoid becoming overwhelmed.