Problem: Article: You'll need a good credit score to qualify for a conventional mortgageusually around 620. To get the best interest rates, you'll need a score around 740 or better. Check your credit score and get copies of your credit report. Go through your credit report to see if there are any errors. For example, someone else's debts might be listed on your report because they have a similar name or Social Security number. Dispute any wrong information. The best way to improve your credit is to pay down debt. Consider whether you need to delay buying your townhouse until you improve your credit score. You'll be in a stronger bargaining position if a lender pre-approves you for a mortgage. The process is easy. Gather financial documents, such as your paystubs, bank statements, and tax returns. You can complete an application either online or by visiting the lender. Work only with lenders who have experience underwriting loans for townhouses. Some lenders don't know how to classify townhouses and consider them condos. However, the difference between a townhouse and a condo is that a condo has no land attached to it, whereas a townhouse includes the land under and around it as specific in the lot map. A townhouse includes the land in its value, but a condo has no land as part of its value. If you're approved, you'll receive an approval letter which is good for only 90 days. Plan your house hunting accordingly. In a hot market, sellers can usually get their asking price (or more) because there are multiple bidders on the same house. However, in a cold market, buyers have more power. Look at how long the townhouse has been on the market. Also check how much comparable homes have sold for. If you have a real estate agent, they can do a Comparative Market Analysis. However, you can also check websites such as Zillow and Trulia yourself to see what similar townhouses have fetched. Bid appropriately, based on the market. If it's cold, then come in a little under the asking price, e.g., 5% below. If you think the home is wildly overpriced, then make an appropriate bid based on your market research and be prepared to justify your offer. In a hot market, make your first offer your best one. You probably won't have a chance to negotiate. Don't forget you'll need to give the seller earnest money, which is around 1-2% of the purchase price. This money shows that you are serious about buying the house. Agents typically have forms they use. If you don't have an agent, you might be able to find a form online or by contacting your state's Department of Real Estate. In some states, only a lawyer can draft a purchase offer. A purchase offer is legally binding if accepted, so be sure it includes all necessary information. Even if you don't have a lawyer draft it, ask one to review it. If you need to sell your home to buy the townhouse, include a contingency to that effect. A letter of interest can give you an edge in a hot housing market. You should describe your family and why you love the townhouse. Try to find a connection with the seller, e.g., you both attended the same college or you both have children. You should give the seller's agent your purchase offer, your earnest money, and any letter of interest. If your bid is lower than the asking price, you can include a list of comps you used to calculate what is a fair market price.
Summary: Improve your credit, if necessary. Get pre-approved for a mortgage. Analyze the market. Set an opening bid. Draft a purchase offer. Write a letter of interest. Submit your offer.

Problem: Article: There are some cases when winking can cause socially awkward situations or even get you in trouble. Be careful, in particular, about winking at the opposite sex. Winking at someone of the opposite sex is often assumed to be an act of flirting. If this isn't your intention, think twice about winking. You may be misunderstood, especially if the person you are winking at doesn't know you well. A misplaced wink can make people angry, especially if it might convey that you aren't taking them seriously or that you are being inappropriately sexual. Especially if you are in a position of authority, be careful about the situations you wink in.
Summary: Know when not to wink.

Problem: Article: Sometimes when your boyfriend kisses you, you may not be expecting it, like if he comes up behind you. If you blush easily and can feel the heat rising to your cheeks, there may be nothing you can do to stop it. Trust that the moment will pass quickly. You could even call attention to your reddening cheeks by saying something like, "I can feel my face getting hot!" Chances are, your friends will laugh a little and you can move on from the moment. You'll have explained the blush and can redirect the attention elsewhere in the group, which should help your skin calm down quickly. If you want to, it's okay to return the kiss, but try to keep it short so your friends won't feel uncomfortable. This should just be a peck and shouldn't involve french kissing or heavy petting. Remember, you're in front of other people so it's not the right time to move into a really intense, passionate kiss. If your relationship is new, this can be a great way to get other people used to seeing you together, too. It may be really exciting to see and kiss your boyfriend, but if you're with other people, you should try and be in the moment with everyone. It's okay to hold hands or sit next to each other, but avoid keeping your lips locked for more than a few seconds. Be sensitive to the others in your group. Maybe you have a friend who just went through a breakup or who is crushing hard on someone who doesn't feel the same way. No one wants to watch you and your boyfriend slip from a quick kiss to a full-on make-out session. That can make people feel alienated and uncomfortable, which definitely isn't how you want people to feel when your boyfriend is around. If your boyfriend seems like he is moving toward a more passionate moment, gently end the kiss and pull back from him to signal that you're done for the time being. In general, hand holding is a really acceptable form of public affection, and holding your boyfriend's hand after a kiss will show him that you feel fondly toward him. Especially if you are new to kissing in public, this can affirm that what he did was okay with you. If your boyfriend just joined your group and someone was already sitting beside you, ask if it's okay to change seats, or just have your boyfriend sit somewhere else. There will be plenty of time for handholding later on! If you do decide you'd like to spend some alone time with your boyfriend, go for a short walk together. This could give you some extra time to connect or kiss more without making anyone in your group feel uncomfortable. If you do go off alone, make sure you rejoin the group before too long so nobody starts to worry about you. Try saying something like, "John and I are going to go for a walk to catch up, but we'll be back in a little while."
Summary: Let yourself blush or be surprised if you weren't expecting it. Kiss your boyfriend back for a few seconds. Return to the conversation or activity you were doing before the kiss. Avoid making out in front of your friends or ignoring them. Smile at your boyfriend and hold his hand after the kiss. Leave the group if you want some one-on-one time with your boyfriend.

Problem: Article: Make sure that the mixture is evenly spread out over the base of the shallow dish. The mixture will set as it dries and adhere to the glass.
Summary:
Fill a shallow dish with about half an inch/1 centimeter (0.4in) of water. Fill another shallow dish with the sugar and cinnamon. Mix the sugar and cinnamon together with your fingers. Dip just the rim of your martini glass into a shallow dish of water. Now dip the wet rim into the sugar and cinnamon mixture. Set the glass aside.