DIY Table tents

Support; your message with easy table tents distributed quickly. Never find yourself leading a meeting only to realize that you forgot to name tags? Management of a retail business and need a sign to announce soon a special? If you have information to share, but few tools to work with, simple table tents can spread your message for you - fast. For situations of group meeting where the participants know each other, tents fast table opposite each person with his name can be used to break the ice between participants and provide an opportunity for the group to meet. If you run a restaurant or other companies in the retail and require a special rapid increase sales of a particular article, rapid tents table placed around the customers alert the special business.Difficulty: EasyCard stock or paper (8.5 by 11 inches) in thickness permanent marker with a chisel 1 (optional) tipScissors

Fold a sheet of paper or cards of third parties, by folding about 3 1/2 inches of paper starting the bottom and fold. Fold the top of the document to the bottom to align as much as possible for the bottom fold. Sharpen the folds by pressing and sliding your thumb on the folds.

2 Form triangle creates a rapid tent. ComStock/Comstock/Getty Images

Lift the paper do bend based on the table and the top two sides forming the sides of the tent a tent with the bottom. This creates a horizontal tent, 8 1/2 inches wide by 3 1/2 inches in height. It also provides a visual guide to the available sides to write a message. If a smaller sign is desired, re-fold in thirds and use scissors to reduce the width of the paper in half, creating a sign about 4 1/4 inches wide by 3 1/2 inches in height.

3

If the marker colors are available, use to attract attention. Use the red stars or asterisks to highlight a message printed in black, for example.

In a situation of meeting where each participant is to create a table for its own tent, encourage creativity in him requesting to add a symbol or a color that represents him and use it as an icebreaker in presentations of the meeting.

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How a wireless Butterfly Lei

Traditional leis are made with flowers. When you step off the coast of an aircraft or vessel in Hawaii, Hawaiian great you with a lei made from local fresh flowers. Traditionally, the people of Polynesian leis was created as a tribute to their gods, with flowers a vineyards and even bones of whales. The creation of leis led to the modern era, but now leis find their way in the celebrations and tourist attractions. When throwing an event on the theme of Hawaii, as a party fundraiser or anniversary meal-share, create non-traditional lei to your guests with silk crafts beads butterfly and crafts.Difficulty: EasyFine yarnLarge needleSilk butterfliesCraft beads1 Couture

Cut a piece of 45 inches of the wire. Choose a thin wire or fined for easy threading lei. The wire on a great thread sewing needle.

2

Insert the needle through the body of a silk moth. Move the needle through the tail of the moth and the butterfly head keep moths lying flat against your body when you wear the finished lei. The butterfly on the length of the wire, stopping 6 inches from the end of the power wire.

3

Insert the needle through the center of a Pearl of craftsmanship. Feed the Pearl on the length of the wire until it is based on the butterfly.

4

Continue to needle through silk moths and beads of crafts, alternating the placement until you have a string of 36 inches of an alternation of butterflies and thread beads.

5

Push the pearls and butterflies in towards the center of the wire to ensure that they are comfortable against each other. Not crush the body of the butterfly. Tie a knot on each side of the chain of butterflies and beads to secure their. Use the ends of wire at each end to bind the lei around your neck.

Locate the craft shops silk moths. They offer a range of colours, sizes and types of butterflies. Use the variety and color or mix and match as you want.

If desired, ignore beads craft and just feed butterflies in the lei. Or, replace beads of craft flowers in silk, shell or sheet of silk.

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How to make a cuddly pillow

Plush faux fur pillows add sophistication to the bedroom decor. If you choose a false realistic fur or a fun look fuzzy neon, fabric plush is a perfect for pillows. Plush pillows can add comfort and style of different themes of decoration. If you choose a pillow little focus or a big cushion, use stuffed to the fabric in a pillow by hand for an intimate and casual look.Difficulty: moderately EasySquare or rectangle pillow formMeasuring tapePlush fabricScissorsStraight pinsSewing machine1

Measure a form of pillow in both directions. Add 1 1/2 inches for the horizontal and vertical measures.

2

Cut two pieces of fabric stuffed in the size that you calculated by measuring the shape of the pillow.

3

Disarm a piece of tissue on the surface of working with the side opposite you furry. Set the other piece of cloth over the other side furry. Match the edges.

4

PIN three sides of the fabric as a whole. If you are a rectangular pillow, pin two long edges and a short edge.

5

Sew the edges pinned three together on one machine sewing with an allocation of half inch seam.

6

Tour of the plush out right pocket. Push in the bottom corners with your fingers to relieve any fabric consolidation. Now you have an open to all pillow cover.

7

Push the form pillow in pillow cover. Turn the two raw edges under and the PIN in place.

8

Sew the edge closed by right stitching along the folded edges pinched.

9

Choose the fibre has been taken in exterior joints by driving into the couture with a PIN right and lift each hair between two layers of fabric. Shake the pillow after you have selected the seams to fluff place fibres.

Use a knife on the back of the fabric instead of scissors if you use fabric fibres with very long hair. This will reduce the fabric itself without cutting a line of fibre broadband backup.

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How to Refinance With a Dismissed Bankruptcy

A new mortgage loan could provide a fresh start. Bankruptcy provides a legal method that enables consumers to restructure or reduce the balances owed on certain past-due debts. If your bankruptcy plan is currently dismissed, you may be eligible for a refinance loan. However, most lenders have various credit guidelines for determining an applicant's qualification after bankruptcy. You can speak with a variety of mortgage lenders about refinancing your home loan.

Difficulty:Moderate1

Re-establish your credit rating. Pay your creditors as agreed following a bankruptcy dismissal. Obtain additional credit until you have approximately three or four items that report toward your consumer credit profile. Maintaining a mix of positive credit references could help you restore your credit rating and credit score. Items such as major credit cards, secured credit cards, secured bank loans and auto loans could be instrumental toward building a stronger credit profile. Visit the Annual Credit Report website to check your credit online.

2

Contact a mortgage broker and mortgage lenders in your area to discuss your refinancing options. Typically, a mortgage broker has a variety of loan programs and multiple resources that might consider your loan request. Inform the loan representative of your desire to refinance and provide details about your dismissed bankruptcy, such as the dismissal date and your initial reason for filling the bankruptcy petition.

3

Complete a loan application and other lender-provided documents to begin the loan qualification process.

4

Submit a copy of your bankruptcy dismissal letter, W-2 forms, bank statements, pay stubs and tax returns for the previous two-year period. Your lender should be able to determine if you are eligible to refinance or provide assistance toward positioning you to refinance at a later date.

Contact a HUD-approved lender if you have difficulty securing a mortgage loan.

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How to Expunge a Felony in Texas

HomeLegalBackground Checks & Criminal RecordsExpunge a Felony RecordHow to Expunge a Felony in Texas

Texas allows you to expunge criminal records. Texas allows you to expunge a felony or misdemeanor from your criminal record. For example, after you've completed your deferred adjudication community supervision, you can petition the court to expunge the felony from your criminal record. An expunged record prohibits Texas state agencies from disclosing information to the public about the felony. Also, you won't have to tell anyone that you were arrested for a felonious crime, because the information is deleted from your criminal record. To expunge the felony, you must follow the rules outlined in Chapter 55 of the Texas code of criminal procedure.

Difficulty:Moderately Challenging1

Meet requirements. You can obtain an expungement in Texas immediately when you've been acquitted or convicted and pardoned. If convicted, the state requires you to wait at least five years from the date of the arrest to remove the felony from your record.

2

Obtain a copy of your criminal history. Go to the Texas Department of Public Safety and request a copy of your criminal history. You need the information to assist with creating the expungment petition.

3

Write the petition for expunction. Include information about the request, such as where you were arrested and where the offense occurred. Also, provide your personal information, such as gender, race, driver's license number and date of birth. Explain why the offense should be eliminated from your record.

4

File the petition. You must file the petition in the Texas district court where you were arrested or the offense happened. For instance, if you live in San Antonio, but the arrest happened in Dallas, you must petition the district court in Dallas.

5

Attend the hearing. You may have to explain why you're seeking the expungement. For example, if you were acquitted of the felonious crime, explain that to the judge.

If Texas grants your expungement petition, the clerk of court sends a certified copy of the order to the Department of Public Safety's Criminal Records Service. Copies are also forwarded to any other governmental agency which requires the information. If you were wrongly arrested for a crime, you contact the district attorney in the county where you live. The law may allow you to file an application for expunction.

Expunging a felony from your criminal record may be a daunting task. The Texas Department of Public Safety may oppose you petition for expungement. At the hearing, the Department may outline the reasons why the judge shouldn't grant your petition.

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How to Repay Creditors After a Bankruptcy Dismissal

A bankruptcy dismissal is a serious issue because it strips away protection from creditors, a primary reason many people file for bankruptcy. Once the court dismisses the bankruptcy, creditors are free to resume all legal debt collection tactics, including phone calls, letters, repossession, foreclosure and even garnishment. Creditors can proceed as if the bankruptcy never happened. Bankruptcy courts dismiss bankruptcy petitions for a number of reasons, including procedural errors or suspected fraud. Judges dismiss some Chapter 13 bankruptcy cases after debtors fail to make timely payments to court-ordered payment plans. Chapter 13 requires monthly debt payments to the court over a period of three to five years.

Difficulty:Moderate1

Consult with your bankruptcy attorney, or see an attorney if you represented yourself in the bankruptcy case. Reinstating the bankruptcy is possible if the court dismissed the case because of unintentional errors. The attorney can discuss other options as well, including possibly converting what was a Chapter 13 bankruptcy to Chapter 7 and eliminating all unsecured debts in just a few months.

2

Read your copy of the bankruptcy application to see the list of all your creditors if reinstating the bankruptcy or filing under another chapter is not an option. The bankruptcy court will inform creditors about the dismissal, allowing them to resume collection efforts. Make a list of the creditors who were aggressively collecting from you before the bankruptcy. Include creditors who filed lawsuits against you, garnisheed or attempted to garnishee your wages or began foreclosure or repossession efforts. It's reasonable to assume these creditors will again show the most aggressiveness after learning about the dismissal. Focus on them first as you decide how to pay creditors.

3

Contact each of your lenders to discuss payment options. Tell the creditors you are no longer proceeding with bankruptcy but wish to make payment arrangements. What happens from this point depends on what you can negotiate and your specific situation. Most people with recent bankruptcy dismissals simply don't have much cash to spend on debt management. However, if you do, you can offer to pay in full or you can ask for a settlement offer. Payment plans are also an option. Settlement allows you to pay unsecured debts for less than the full balance. However, debt collectors are not obligated to agree to any plan and can press ahead with garnishment, repossession or foreclosure. That's a key reason why reinstating the bankruptcy is a preferable move for some.

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How to Change a Door Balancer on a KitchenAid

When you have a KitchenAid dishwasher that has a door that doesn't stay shut or if your unit makes a noise during operation, then you may need to replace the door balancer. The door balancer consists of a rope, guide and spring, all of which ensure the door is properly balanced. Replacement parts are readily available for purchase, and changing the door balancer can be a simple endeavor when using the right tools.

Difficulty:Easy1

Turn off your KitchenAid dishwasher completely and then move it out at least 12 inches to give you room to work on the entire unit.

2

Use a socket wrench to remove the 1/4-inch nut from the lower front panel, which will release the unit from its cabinet.

3

Use your hands to carefully lower down the front legs on the unit, and then pull the dishwasher from below the cabinet.

4

Remove the 5/16-inch nut from the rope guide, and then insert the new rope guide that you've purchased. The rope should attach to a new spring and then you can attach the spring to the dishwasher.

5

Close the dishwasher door and then pull the spring to relieve some tension. You then need to repeat the same process for the other side of the unit.

6

Use your socket wrench to insert the 5/16-inch nut back into the rope guide.

7

Lift and tilt the dishwasher unit back onto its feet and push it, carefully, back below the cabinet. You may need to adjust or relevel the dishwasher to make sure it fits into place.

8

Use your socket wrench to insert the 1/4-inch nut back into place in order to connect the dishwasher to the cabinet.

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How to deal with photosensitive hardwood floors

As an incentive for the design change room appearance to match the new color of your floor to use. Photosensitive hardwood floor will react slowly changing the color of the exposed nature of light. Can years before to stop full process color changes are noticeable and which can slow processing, but not how room from deleting the source of natural light. Photosensitive hardwood floor most owners to the answer is to change the color to adjust the room Interior to match expectations and combined injury slowing consists two-pronged approach. Difficulty: moderate block window filmFurnishings1 EasyHeavy curtainsUV

Hardwood floor sales representatives to speak. Sales representative, please contact are likely to experience your floor from exposure to the UV color changes. Room Makeover and change color to match the new color for the result of the exposure from the floor. Incorporate the color of the floor changes rather than to allow color paints, furniture, wallpaper, what is to clash with the rest of the room, that includes you want to change.

2

UV on hardwood floor in heavy curtain to block sunlight to the slow hanging in windows. You can also install windows overlooking the UV film hardwood floor. Pull the backing paper from the Windows window cleaner and squeegee wet film. Movie to cover an effective UV block surfaces to press against the window. Blocks 100% valid not because UV block only color change is slower.

3

Any furniture around the room often to move at least every six months! Block the UV radiation in the floor surrounding the piece color furniture furniture left there creates a shadow on the floor. Keeping certain furniture moving floor exposure UV, color changes are averaged.

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How to make wooden railway.

"minecraft" is a first person sandbox game developed by Markus Persson, in which players can create a variety of objects in the world of the game. These objects range from structures to weapons, including wooden track. Once built, wooden track can be linked together, forming a trail, players can move on a basket of mine.Difficulty: Easy1

Create a set of utilities. Collect four blocks of wood, which can be obtained by converting a block of tree in your inventory.

2

Collect eight blocks of stone to create a furnace in your workbench.

3

Gather six units of a unit of coal and iron ore.

4

Place the iron ore and coal in your heating appliance to create six iron bars.

5

Convert a block of wood, obtained by a unit of trunks of trees, in a stick from your inventory or workbench.

6

Place the stick of wood in the centre of your workbench spot. The line left and right sides with iron bars. Click on the image of the path of railway wood to create a track unit.

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How to decorate the houses with light hardwood floors

Decorate your home to improve its hard wood floors. Floors of light hardwood like Maple and oak, gives your home a warm natural appearance. If you prefer light and cheerful decoration, choose light rather than dark wooden floors. Lightweight flooring is suitable for any room in your House, a room to the kitchen. In the decoration in the coating of light soil, choose furniture and textiles that complement the shade of the wood. Stick with comfortable fabrics and inviting colours to create a style of elegant decorating with abandon.Difficulty: EasyWall paintLight textilesLight furnitureWarm-hued wood wood accessoriesPotted plants1

Paint the walls an elegant, inviting shade to complement the light wood floors. Update of the walls of the living room with a creamy unbleached color, a kitchen with a warm yellow shade butter or pomegranate a bedroom with an eye-catching red hue.

2

Choose furniture elements made of plain wood to create a cohesive look. Strengthen a bedroom with a bed, bedside table, desk and dresser set, or a living room with a table of correspondence and Entertainment Centre, featuring wood with a similar tone to the flooring.

3

Decorate with textiles in warm colours. Place a cream couch featuring sunny yellow decorative pillows or coral color, in a living room with light hardwood floors. Improve a bed with a quilt with deep floral red, orange and gold in a bedroom with maple or Oak floor wood and put a stuffed, correspondence rug on the floor to add style and comfort.

4

Create a look coordination with light wood accessories. Hang pictures in plain wooden frames to complete the flooring. Choose lightweight wood, towel racks and shelves shelves.

5

Improve the look natural and spa-inspired by the floor by decorating with plants. Fill empty corners of House and with large living room, pot, tropical plants. Decorate tables of shelves and sides of the wall with small indoor plants.

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How to locate the Pan drain in the attic

Sometimes the HVAC units of home is in the attic. Some installers HVAC or air-conditioner opting to install air conditioning system in the attic. To overcome problems of condensation of water, it installs a tray, and a drip line extending outside the home. The drip line allows water draining from the drip pan. If the drip line, water will clog up the drip pan and might cause the water to spill onto the floor and through the ceiling which is located below the attic. If this happens, you must locate the tray in your attic, so you can clean the drip line.Difficulty: moderately Easy1

Go out and find the line to drop out of the attic. Often the drip tube is a rigid PVC plastic pipe and in other cases, the drip line is a metal tube. Draw the line from the ground up to the point where it enters the attic. Take a mental note of place-for example, as part of the House on what is the approximate location and how it relates to the center of the wall.

2

Go into the attic and locate the wall where the drip line extended up through and into the attic. Use a flashlight to help you if the attic does not have a lighting system installed.

3

Trace the drip from the wall to the HVAC units or air conditioning. The drip line gives the drip pan. The drip tray resting under the large metal coils, which resemble large finned radiators.

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How to Make a Portable Tap Floor

Tap Dance on the go, or at home, with your own portable tap floor. Perhaps you have a passion for tap dancing, but like most people, don't live in a dance hall or have access to the proper floor. Fortunately, instead of having to go out of your way to find a place to tap dance, you can make your own portable tap floor. This tap floor will be small enough for you to move, but will also give you plenty of space in which to dance. As a do-it-yourself project, making your own tap floor can also be quick and relatively easy.

Difficulty:Moderate2 boards, 2-inch by 4-inch by 8-feetBamboo flooring planks, 23-square-feet1 plywood sheet, 8-feet by 4-feetClosed cell foamFloor glueHand sawScrewdriver32 Short ScrewsTape Measure1

Saw your 2-inch by 4-inch boards in half.

2

Lay the four pieces flat on the ground in the shape of a square. Ensure that one parallel pair is tucked into the other (Reference 1). This is your floor's frame.

3

Nudge out the parallel pair that is tucked inside the other so that each piece sticks out a little from the frame (Reference 1). These edges will be the handles for your tap floor.

4

Cut your plywood square in half so that both halves measure 4 feet by 4 feet.

5

Set one of your plywood squares onto your frame.

6

Measure and mark your planks of bamboo flooring at every 4 feet (Reference 1).

1

Screw the plywood square onto your floor's frame (Reference 1). Use one screw for every 1 foot. Keep them 2 inches from the edge of the square.

2 3

Fill your square with the closed cell foam (Reference 1).

4

Screw the other piece of plywood over your floor's frame. Do not let your screws hit those you have inserted in the other side.

5

Put lines of floor glue on the side of the square to which you want to attach the bamboo flooring (Reference 1).

6

Place your planks of bamboo flooring onto the floor glue so that there is no space left between them.

7

Use screws that will not go all the way through the 2-by-4 frame.

Use a saw with lots of teeth to make a clean cut through your bamboo planks.

Measure twice and cut once to make sure that all pieces of material are cut properly.

Take your time.

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How a Theremin Instrument

Thérémines produce sounds spooky in the 1950s science fiction films. The theremin is unique among musical instruments that the player does not actually of the instrument. He is played by shaking your hands near two antennas - the volume of controls of left hand and right hand controls pitch. It has been patented by the Russian inventor Leon Theremin in 1928 and became famous for the provision of the original band of loss for such films as "The Day the Earth Stood Still". Modern chip technology, a theremin can be assembled in an afternoon for less than $200 over the costs of the chassis - which can be as simple or complex as you want.Difficulty: moderately Challenging2 antennae2 kHz 172 oscillator chips2 220 kHz oscillator chipsRadio frequency amplifier chipSeveral power capacitors in the 1-5 picofarad ohm loudspeaker9 volt batteryCircuit boardSolderWiresToolsChassis1 range.8

Build a theremin in a chassis that has two antennas - a vertical and one horizontal. To connect to the entrance to a kHz 172 oscillator chips to the vertical antenna and nothing to connect to the entrance of another 172 kHertz oscillator - this stabilizes production at 172 kHz. Cable both output oscillator 172 kHz at the entrance of the amplifier chip. Connect the input of an oscillator to 220 kHz horizontal antenna and leave the entrance to the 220 other kHz oscillator not connected. The two output oscillator 220 kHz power amplifier control pin yarn. Solder pas connections in place until after the circuits are tested.

2

Connect the positive terminal of the battery to the positive power of all four chips pins. Chips should be on the same Board, so running a wire along one side of the Board makes it easy. Finally, it must be a wire from the output of the amplifier to the leg of positive on the speaker and a wire leg of negative speaker to the negative terminal of the battery.

3

Test circuits before you solder the wires in place. For each location where the outputs of a pair of oscillators are attached together before going to the amplifier, try the range of 1 to 5 picofarad capacitor and see how it influences the sound. Output of the oscillator to go next to the capacitor and the other end of the capacitor goes to pin amplifier. The exact value that will work better depends on the combination of yarn from chassis and smart. The easiest way to find the best capacitor is to try just some. Any capacitor in this range should work.

The design of the chassis with battery and speaker in mind. The battery must be easy to access because it will have to be changed periodically. The speaker should be placed so that the sound can be easily heard.

Do not leave the chips in their orbits while you are welding wires. Soldering heat will damage the chip.

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How to repair the front brakes on 2001 Jeep Wrangler

Even if you went with a different name, history of Jeep Wrangler stretches back to the release of the Willys-Overland Jeep CJ-2A, built-in 1945. In 1987, the Wrangler-YJ-series-took over for the jeep CJ series, but was surprisingly similar to its predecessors. The YJ remained for nine years, and the series TJ replaced. The Wranglers TJ had even more styling cues taken from CJ-series-more evident is the round headlights. The 2001 Wrangler came standard with four-wheel drive and front disc brakes, and could handle the rough and mountainous terrain. Replacing front brake pads on this rugged vehicle is a simple process that most mechanical weekend can complete in one afternoon.FIX: ModerateClean basterSmall containerRatchetSocket setFloor jackJack Turkey standsMechanics wireHammerNew rotors (optional) by 8 inch C-clampFlat-brake brake head screwdriverNew padsDisc grease1 supports DOT 3 brake fluidTorque wrench1

Open the hood of Wrangler and unscrew the lid from the master cylinder reservoir. Remove about half of the brake fluid, using a Turkey baster and transfer this fluid in a small container for disposal.

2

Loosen the nuts front, using a ratchet and socket. Raise the front of the Wrangler off the ground with a floor jack and slide racks under the frame rails of the SUV. Lower the Jeep rail chassis. Remove the nuts front and pull out the vehicle's front wheels.

3

Remove the two screws, keeping, using a ratchet and socket and pull out the bracket clamp gripper. Suspending the caliper from a nearby suspension component, with mechanic.

4

Press one side of the pad outside inwards until the card on the back of the pad is free from the hole in the caliper, then rotate that side of the pad of the brake caliper. Repeat this process on the opposite side of the pad to remove the pad from the external brake caliper.

5

C clamp position 8 inches above the clamp so the lives it touches the inner pad and fixed contacts on the back of the brake caliper. Tighten the clamp c until the inner pad stops moving and the piston caliper behind it is completely backward. Remove the C-clamp.

6

Grasp the inner pad and pull it towards the outside of the gripper-a series of metal "fingers" of tractor in piston caliper. Remove the inner pad caliper once "fingers" are free piston caliper.

7

Remove the screw rotor brake hub front, with a screwdriver. If the screw won't turn easily, lightly tap once on the head of the screw with a hammer to free her. Pull the front rotor hub and inspect it for defects, including deep ruts, mirror-like shine or stress cracks. If there is no defect, discard the rotor and replace it with a new one.

8

Set the front rotor hub and tighten the screw with a screwdriver.

9

"Fingers" on the back of a new pad inside the cavity in piston Calliper and press the pad on the clamp until the seat pad on the caliper.

10

Set the external on the caliper body pad and remove the metal clip on one side of the pad to the top, using a flat-head screwdriver. Slide the side of the pad pried into the clamp until the card on the back of the pad inserts into the hole of the forceps. Repeat this step on the opposite side of the pad.

11

Apply a generous hand of disc brakes on the smooth both clamp bolts. Set the caliper bracket onto her back and slide the clamp bolts in clamp and bracket. Hand-wire clamp bolts, then tighten to 11 LB, using a torque wrench and socket.

12

Repeat steps 3 to 11 for the shoes on the opposite side of the Wrangler.

13

Reinstall the front wheels on front hubs of Wrangler and tighten the nuts by hand. Lift the SUV off the racks, using a floor jack and remove the Trestles. Lower the Jeep. Tighten the nuts in a cross pattern, to 110 LB, using a torque wrench and socket.

14

Press and release the brake pedal, until it feels firm. Adding DOT 3 brake fluid to the master cylinder Reservoir until the level of the liquid reaches the line "Max" on the tank. Tighten the cap on the master cylinder reservoir.

15

Take the old DOT 3 fluid removed in step 1, to a recycling center fluid used cars. Some auto parts stores take old brake fluid for free.

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Yarn doll hair styles

Most cloth dolls have headgear of wire. If this is a style of doll Raggedy Ann or Waldorf, horse tail hair or a mop - top accolade, you can create the hairstyle you want for your dolls of cloth with thread. Wireless headgear require some skills to sew, so refresh your work needle and thread or join with a more seasoned needle worker.

Doll artist Gayle Garbarino creates style Raggedy Ann dolls of cloth with two options of different hair in a variety of colors. A style is a wig of wire, created by sewing together wire hair before placing it on the head of the doll. Garbarino sews his wigs complete at the head of the doll, while the other creators doll glue or Velcro wig in place. Alternatively, Garbarino hand-loops each wire individual strands of hair at the head of the doll which creates the Raggedy Ann hairdressing dilapidated, classic. For wigs, Garbarino uses a mixture of lamas and wool lamb while loop hand hair require the use of a more robust acrylic yarn.

To create the classic Waldorf doll hair, wrap the color desired wire wool around a CD case or book. The amount of the wire wrap you depends on the length of the hair that you prefer. The wire of the band with the Ribbon of the painter on both sides of the CD case, leaving the thumb of the wire between your pieces of tape. You will need to cut the wire from the bottom of the CD case, which leaves the thread in a single long piece, tape still in place. After covering both sides of your son with a piece of tissue paper, you can use a sewing machine for sewing together the wire directly between your pieces of tape. Place the seam and the Centre of the head of the doll and PIN in place. Handstitch thread at the head of the doll.

You can create ponytails and braid with first sewing thread on a few strands of wire slightly longer than the width of the head of the doll. You'll want this thread to lie through the middle of the head and attached on each side, just to the point where you want the ponytails to begin. If you want to the doll hair to have a party, stitch it in place in the Centre of the head more. Once the wire is secure, joining an equal number and length of wire strands on both sides of the head of the doll to create the ponytails. If your ponytails are long, you can also twist, securing the bottom edges with tape.

Curling wool yarn will create loops tight corkscrew or long loose loops for hair for your doll. You need 100 percent wool yarn and wooden pegs about 8 inches long are the thickness you want your loops to be. Attach a strand of wire at one end of the ankle and wrap the yarn around the ankle closely until you have reached the end opposite the ankle and linked to the coast. You will need to repeat this process for each strand of yarn required for hair for your doll. Once all the pins are tightly wrapped, plunge them into a pot of boiling water for about five minutes. When you delete the ankles, wrap them in a towel and press gently to the excess water. Place your ankles on a cookie sheet will allow you to warm up in a 175-degree to the dry kiln. Once dry, your wire is permanently closed and ready to be sewn onto the head of your doll.

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How to raise items on the shelves of the library

Elevate accessories in your library by placing them on the piles of books. The most eye-catching arrangements of library include more than just books. Search for a magazine of decoration, and you will see works of art, collectibles, photographs, and accessories for decoration of the library shelves. Even a few designers have designated flat or hourly rates just to deal with shelves. Get a look professionally decorated with elements of superposition of the rear forward and with a mixture of highs and lows. This does not mean that you must buy new accessories in the right sizes. You just raise your own treasures for the appropriate heights.Difficulty: EasyFabric - or boxesDecorative coated paper accessoriesFramed photographsTabletop easelsPlate, plateau or bowlPlate standsTabletop display casePedestals or basesRailroad (optional) or work brilliant links black or white paint (optional) HammerNailsPicture hangers1

Raise average unique objects - or groups of three to five small, like objects - placing them on a horizontal stack books. Stack the books about the same size, or use is a graduate paper sizes with the smallest on top. Transform the spine of the book in front of the library. Replace a stack of graded boxes two or three covered with decorative paper or fabric to add some color and pattern of the display.

2

Lean paintings, drawings, photographs and other framed tabletop trestle works to raise their height to display. Prop and trays on plate leggy plates is the same effect; You can even buy deep stands that hold decorative bowls on their sides.

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Group of small collections or curiosities - like bunkers, pens, addresses or medals - inside a table, multi-level showcase and place it directly on one of the platforms. Select open cases or serious glass, metal or wood. Choose a finish and equipment which contrasts with your library. Try painted wood or metal together for libraries dark coloured wood or natural pine in a white library distressed brilliant.

4

Raise special objects - such as a piece of sculpture or a large cluster of natural coral - to a prominent height by placing them at the top of casing in model or bases. They are metal, stained or painted wood, stone or acrylic transparent and of many shapes and heights. Choose one that complement your special subject without drawing the same emphasis. Make your own pedestals or bases by sawing of the ties of railway to the desired height and then painting them with black or white paint on glossy paper.

5

Hang small paintings, the pockets of the wall and other objects with hangers directly on the walls of the library, back or side, according to your arrangement. Hangers image glue at the back of non-fragile items that have already their attaché.

While the works of art and decorative accessories enhance the shelves, you must always include many books. Ideally, fill 65 to 75 per cent of the shelves of your library with them.

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What Is the Difference Between a Circular Saw & a Sliding Saw?

Found in sawmills and wood shops, radial arm saws are among the largest sliding saws. Characterized by disc-shaped blades, circular saws and sliding saws appear among many building trades and apply to a variety of woodworking and construction projects. Construction professionals generally use the term circular saw to refer to a portable power tool and the term sliding saw to refer to a bench tool or stationary shop equipment. A comparison of the cost, cutting capabilities and applications of both types of saws allows you to choose the right tool for your project.

An indispensable carpentry and general construction tool, the portable circular saw accepts both toothed blades and abrasive blades. Toothed circular saw blades are usually used in woodworking projects, particularly framing carpentry. Abrasive blades cut through either metal or masonry materials. Portable circular saw blade diameters range from roughly 3 inches to 9 inches, but the most common blade diameter is 7 1/4 inches. The portable circular saw's blade protrudes from a flat, bottom-mounted plate. The saw is typically powered by an electric motor, is lightweight and easy to maneuver, making it ideal for cutting across flat pieces of lumber.

The term sliding saw typically refers to a radial arm saw or sliding compound miter saw. Unlike portable circular saws, sliding saws are usually stationary tools, mounted to a bench or available as a stand-alone, floor-mounted piece of shop equipment. Often 1 foot or more in diameter, sliding saw blades are substantially larger than portable circular saw blades. Regardless of type, all sliding saw blades mount to a rail system that allows the blade to extend outward from the tools' motor housing and base. While the sliding saw base's position remains fixed, the rail-mounted blade typically extends 10 inches or more toward the operator.

Portable circular saws quickly perform on-site cuts through large materials, such as sheets of plywood or existing walls. Sliding saws remain stationary and, despite rail systems that allow sliding saws to cut through wide lumber, sliding saws cannot cut sheet goods, existing walls or floors. Alternatively, most sliding saws feature miter and bevel adjustment capabilities, allowing carpenters to create accurate angled cuts through rough planks and finish materials such as molding and fascia.

Although both sliding saws and circular saws accept a variety of blades, the buildup that results from cutting masonry and metal often damages standard sliding saws. Alternatively, tool manufacturers design standard circular saws to handle a variety of materials, including wood, metal and masonry. Importantly, portable circular saws are generally too weak to handle prolonged or deep cutting through metal and masonry materials.

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How to: bevel tiles, shower

Installs as a bevel tiles with exactly the same way field tiles. During installation of the tile in your home can use different types. It is a square tile factory edge quit bevel tiles for tile open area field tiles are transition point is required, installed on the outer perimeter in the actual installation space in rounded tiles, installed. Installations bevel to install tile, shower field tiles are exactly the same process is the same tools and skills are required. Difficulty: wet adhesiveTile sawTile spacersTile wedgesLevelTape measurePencilSafety glassesEar plugs1 ModerateNotched trowelTile mastic

And draw a line-level see approximately 1 / 4 inch pencil shy of actual end edge, bevel, showers around and use this guide as applying glue on the wall. This is glue or extra things from removes after installation oversmearing cleanup.

2

Measure and bevel length spread over several floors of measurement for bevel. We recommend that to cut corners and floor tile to opposite top corner. But you, just some cut and can adjust corner tiles outside half, depending on the starting layout known small cut three inches down to avoid.

3

On the walls inside the lines is painted glue trowel notch tip. At the top to start, and then underneath the floor in inside in your way, work corner. Parts of the bevel tile mastic glue Press firmly installed separately. If you wish to use tile spacers or bevel wedge tiles and field tile and Grout joints or ??????? install tight tiles installed.

Tile wet saw to the needed cut corners to oppose the floor. A typical 12-12 tiles are 3 / 8 inch notch steel trowel is required. Small tile inverse need and higher notch larger tiles. According to pick tile spacers have different width fittings grout width is. Tile wedges if parts minutes might be a little expanded or reduced, other than and thus require additional operations natural stone, is the wedge spacers to permit adjustment of the minimum. Allow a minimum of 24 hours to dry before injecting the selected installation for grout joints.

Wear if you always use safety equipment and power tools.

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How Much Are the Taxes in Pennsylvania?

Consider taxes when making your budget. No matter where you live, taxes can have a big influence on your quality of life and the amount of income you get to keep. If you are planning to move to the Commonwealth of Pennsylvania, you should be aware of the tax rates citizens must pay. Residents of Pennsylvania face taxes on a number of levels, from the state income tax and sales tax to property taxes and local taxes.

When you make a purchase in the Commonwealth of Pennsylvania, you pay a sales tax rate of 6 percent. Clothing items and most food are exempt from this state tax rate, although the state does impose a tax on sodas, chips and other items considered to be junk food.

The Commonwealth of Pennsylvania uses a flat income tax rate, as opposed to the graduated taxes used by the Federal government. No matter what your level of income, you can expect to pay a tax rate of 3 percent. The Commonwealth taxes wage income, as well as interest, dividends, capital gains and business income. Taxpayers in the Commonwealth can file their returns electronically and over the telephone as well as on paper.

If you own property in Pennsylvania, you must pay taxes on that property each year. In Pennsylvania real estate taxes are used to fund the public school system, and each school district imposes its own taxes based on the value of the homeowner's property. The amount of property taxes varies from location to location, but affluent parts of the state tend to have higher rates than poorer and more rural areas. It is always a good idea to ask your realtor for current property taxes on any home you are considering.

Each municipality in the Commonwealth of Pennsylvania is free to impose its own local tax. The tax rate varies from location to location, but as of 2011 it generally runs between 1 and 2 percent of income. If you are planning to move into the state it is a good idea to contact the municipality or town where you plan to live and ask about the tax rate, since these rates are always subject to change.

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Internal log wall washing instructions

The log walls Blue Ridge log cabins are nicely furnished more hygienic to. Rustic charm and sustainability for support, log cabin homes are high durability and energy efficiency. Like traditional houses, Blue Ridge log cabin maintenance and other reasons that requires preservation of aesthetic. Dust, soot, grease and spider webs, wood surface logging, Interior log walls regularly cleaning is required. This dirty log walls attract insects, but no structural damage and mold spores. Fortunately, log interior walls using widely available cleaning product only requires basic care. Difficulty: EasyPlastic drop cloths2 clean powder buckets1/2 cup cutlery detergent1/4 cup oxygen based stain remover powderStirring utensil3 ragsStepladder1

Plastic drop cloth to collect the dripping liquid log walls cover the floor along the baseboard.

2

1 Gallon of cold water and other input 3 quarts warm water bucket, two clean buckets to collect. These buckets, set the drop cloth.

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1 / 2 Cup powdered detergent and oxygen based stain remover powder 1 / 4 cup of warm water while pouring. We they are thoroughly diffusion and 1 quart of hot water to mix ingredients mix.

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Cold water with wet cloth. To wet the cloth gradually to remove the soil dust, wipe 2 foot throughout the entire section of log walls. Standing in the stepladder is required if from the above works.

5

To clear logs in the narrow section, cold water until all loose soil is rinsed. In the dirty, replaced the cold water.

6

Saturate the fabric of another homemade solutions. Solutions that work wall, fresh washed wall section. Remove any lingering soot stains and dirt.

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Log to absorb the two minute solution could be. Replenish other buckets (one of the previously used cleaning) while waiting for you in clean, cool water.

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Another cloth moisten with clean water. 2 Foot wide log section, cold water rinse.

9

Let the wall dry sections clean.

10

Repeat the log remaining 2 feet overall cleaning methods up to clean up the entire log wall.

Dry clean logs and they are buff the lemon oil to add a gloss.

Spot-wall test log solutions like never fading.

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Tax Write-Offs for College

By taking advantage of tax incentives for continuing your education, you could reduce your tax liability and garner a larger refund. If you attend a qualified institution, you are eligible to write off many of your education-related expenses on your tax return. How well you understand the rules governing these tax incentives will determine whether you take full advantage of these benefits at tax time.

Tax deductions and credits provide assistance for qualified education expenses. Included in such expenses are the costs of tuition and fees to enroll in a school and course-related expenses such as books, fees, supplies or other costs to attend an eligible college or institution. Not included in the category of qualified education expenses are room and board, travel, clerical help or any equipment not required for your course of study. You are also prohibited from claiming any tuition or credit deductions if your filing status is married filing separately, or if another person can claim you as an exemption, or if your modified adjusted gross income is more than $80,000 ($160,000 if filing jointly) in 2011.

The American opportunity credit and the lifetime learning credit are the two credits available to taxpayers. The maximum credit available for the American opportunity credit is $2,500, while the lifetime learning credit offers a maximum credit of up to $2,000. The American opportunity credit is geared toward students who are pursuing an advanced degree, while the lifetime learning credit is available to all students, regardless of whether they are enrolled in a degree program. Claim both credits using IRS form 8863.

Although credits are viewed as more advantageous than deductions because they reduce the amount you pay in taxes rather than the amount of income subject to income tax, both are advantageous. The tuition and fees deduction can reduce the amount of your income subject to income tax by as much as $4,000. You are eligible to claim the tuition and fees deduction if you paid for qualified education expenses for yourself, your spouse, or your dependents. To claim this deduction, complete form 8917 and include it with your filing.

If you pay education expenses for more than one child in college, you can choose to take the American opportunity credit and the lifetime learning credit on a per-student, per-year basis. You also can deduct qualifying work-related expenses as business expenses on your income tax return. To qualify, the education must be mandatory and must maintain or improve the skills required for your current job.

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Does Disability Income Count on Your Federal Taxes?

Benefits are available to those with permanent and temporary disabilities. Disabled Americans may qualify for assistance from a number of sources, including the federal government, state agencies and the workplace. Answering the question of whether the federal government imposes taxes on disability income depends upon the specifics of the situation involved. The federal government requires that everyone file income tax returns and bases individual tax rates on a number of considerations. In the case of disability, the factors include the type of benefits involved and the recipient's income levels.

Though disabled individuals qualify for certain tax benefits under U.S. federal law, the Internal Revenue Service (IRS) requires disabled individuals to file tax forms. When disabled individuals file income tax returns, these individuals include all streams of revenue on the return. For instance, an individual may receive state benefits for a temporary disability for six months and receive income from work for the other six months of the year. The IRS imposes on tax rate on this individual based on total income earned, rather than imposing separate tax rates for disability income and work income.

The federal government provides a tax credit designed specifically for elderly or disabled American citizens and legal residents. This credit exempts low-income individuals aged 65 or older, those receiving taxable disability income, or individuals suffering from permanent or total disability from paying a certain amount of taxes. The IRS bases the availability of this tax credit on the amount of an individual's adjusted gross income (AGI), as calculated using IRS tax forms. To take advantage of the credit, maximum AGI amounts range from $12,500 to $25,000, depending on considerations such as filing status and dependents. Tax credits range from $3,750 to $7,500.

Ultimately, the answer to the question of whether disability income counts on your federal taxes is "yes." Even if you don't end up paying taxes on your disability benefits, you must include them on your tax return. If the IRS grants you a tax credit on account of your status as disabled, retired, or both, that credit applies to all income earned, not just disability income. State disability benefits, such as California's State Disability Insurance, prove subject to federal taxation as well. A few exceptions apply, notably to disability pensions received by military personnel, police officers and firefighters, which are tax-free but still must be declared on tax returns.

Writing on behalf of the Hepatitis C Support Project, author Jacques Chambers suggests that the complexities of taxation and disability in the United States may require the disabled to seek assistance. According to Chambers, employing the assistance of a tax consultant or expert helps the disabled pursue tax breaks to the full extent of the law. This process requires more extensive action than simply filing standard tax forms and proves somewhat difficult. Nonprofit groups such as the Hepatitis C Support Project help the disabled locate such assistance, while the IRS offers free tax preparation services to low-income individuals incapable of preparing their own returns.

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Kitchen flooring most sanitary type and what is?

Do not give place to hide your kitchen floor bacteria. Microorganisms of various bacteria and other kitchen floor. However, these little bugs provides a location for fear of them in last place over your food. As a result, kitchen hygiene or by selecting the right kitchen, keeping the and concerns are always remodeling your kitchen floor ring material construction or you can improve your chances of this.

Vinyl flooring is used in the kitchen to see a lot of potential bacterial accumulation results kitchen high traffic especially for very good choice. Bacteria cannot find on the hospitality environment vinyl floor also means keeping your residual in food facilitates don't bacteria free kitchen. Vinyl flooring is also used in the hospital as a result of most sanitary kitchen for the best option.

Unless you type the correct method of tile is installed if sanitary floor made from tile to tile right it can happen. Good bacteria provides the following their hiding spot and bacteria might overlook in less than a complete cleaning sessions smooth tiles. ???? the Tile Grout antimicrobial products. Tile sulcus bacteria is longest right might survive grout is where it can be very difficult,.

Easy to clean laminate flooring is relatively sanitary floor ring options. Firmly locked together laminates easy to MOP a smooth surface. Even though a special laminate more hygienic. Bacteria resist increasing available floor colloidal silver paint. Seoul University study showed that this type of coating floor laminate veneer, as well as bacteria to repel cockroaches as pests in defeating is very effective.

Floor is properly installed and maintained unless hardwood flooring and kitchen is very clean. It is a hardwood floor installation keyboard or Board firmly to ensure coordination. You won't miss that way, broom, and MOP to clean them up when. Are properly cared for hardwood floors does not provide bugs become more hygienic environment for growth of the hospitality of your kitchen.

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How to install a Handle into a bat

All that hammering takes a toll. You know you're working hard when it is necessary to replace the handle on a hammer. All that pounding took its toll, and doesn't help the occasional blow bend on the handle. Hammer handles rarely break completely in two-usually its a split, crack or missing piece that makes it unsafe to use the tool. Care is a new handle. Traditionally, the handles to hit tools such as Maces and axes were made of hickory wood, a prized for its hardness and strength.Cold chisel (optional): EasySawVise or punchHammerPower drill and 1/4-inch bit (optional) replacement wooden wedge2 handleHand rasp1 wedges1 metal

Position the hammer on a solid surface. Saw the residue of the old handle at the base of the head.

2

The hammerhead sled in a vise clamp, if available. Optionally place their heads on two solid objects with a space between them so that the eye of the handle is positioned above the open space.

3

The rest of the handle in the head with a hammer and cold chisel or punch. Practicing several holes in the wood with a little 1/4 inch to loosen the residue, if necessary.

4

Check the fit of the handle replacement and slipping into the eye. Use a RASP to cut wood, if necessary, but be careful not to remove too. The handle should be snug enough in the eye. Cut a thin, 2-inch deep vertical slot at the top of the handle where it fits in the eye if there is one.

5

The handle to stand on the floor. Slide the head on the handle as it will go. Insert a wooden wedge into the slot in the handle. Drive the wedge into the handle for pinched against the metal parts of the eye.

6

Position the hammer on a solid surface. Cut the top of the handle aligned with the top of the head.

7

Be the hammer again standing on the floor and drive the two wedges of metal at right angles to the wedge of wood. Check to make sure the head fits tightly before using the hammer.

If you swing and miss, there are rubber collars available that slid on handles hit tools such as hammers and axes that prevent the handle hitting hard objects. That facilitates a miss on the hands, too.

For non-traditionalist, handles fiberglass replacement can be installed. They usually come in kits complete with epoxy resin.

Wear eye protection when working with amazing tools.

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The Size of a Washing Machine Drain

Front load washer Washing machines need to be hooked up to drains in order to change out the wash water between loads. The size and setup of washing machine drains is regulated by the Universal Plumbing Code. This code was setup to harmonize plumbing installations and ensure that the plumbing requirements around the United States met certain universal requirements.

During operation, a washing machine mixes the water and soap in the wash tub. In top-loading models, an agitator then spins the clothes around in the wash to help expose all the surfaces to the water and soap mixture. In a front-loading machine, the wash tub itself spins and provides the agitation. After the wash cycle, the dirty water inside is pumped out into the sewer system through the washing machine drain hose and into the washing machine drain.

The standard for new washing machine drain sizes, according to the Universal Plumbing Code, is now 2 inches. The pipe should be between 18 and 30 inches high from the floor, while the P-trap should be between 6 and 18 inches from the floor. These standpipes connect into the home sewage system. They should also be vented according to the Universal Plumbing Code or the local codes in your area.

The drain hose for most washing machines is usually between 1 and 1 1/2 inches wide. A gooseneck at the end slips into the top of the drain standpipe. The drain hose is secured inside the drain pipe by means of a hose clamp, tie or some other securing fixture. The hose should not be looped or kinked behind the machine, or it could cause the washer to back up and possibly overflow.

Occasionally, washing machine drains can back up with lint or other debris picked up from the washer. To clear a drain, unplug the washer and move it away from the drainpipe. Unclip the drain hose and set it aside. Insert a plumber's snake into the drain opening and push it through the standpipe until you feel it meet resistance. Twist the snake back and forth until it breaks through the clog.

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How to change the appearance of the wood floors

Wtih wooden floor routine maintenance appearance box. Evokes the feeling of warmth and House has wooden floors. They care is incredibly simple, no elaborate cleaning methods and rituals. Is a main precaution can keep the wood floor, looking good. Instead of shoes socks go barefoot when worn or House. Catch the dirty both inside and outside the entrance are all place the doormats brought from the soles of your shoes or bare feet outdoors. Reduce incoming dirt and also about your everyday life to go collect your shoes, removes abrasive materials. It is yet one single important preventive measure is to wash it with floor and become saturated with any type of liquid. Finishing of all kinds of excess liquid can cause wood floors can become tedious. It is doing damage to structures of wood could be flooded. Difficulty: moderate EasyDust mopSpray bottleVinegarOld towels1

Dust MOP regularly. In the part of the Rocky dirt, sand, scratch easily, wooden floor surface. Genuine dust mopping MOP heads a static type is especially these remove abrasive materials and everyday wear and reduces surface floors tears Thursday. They have shiny wound minimum stay.

2

Immediately clean spills. You can eat cause stains and dull spots, wood floor finishes in the away end some acidic liquids, protect hardwood floors is almost impenetrable. You can seep under the floor boards of causing them to warp and any excess liquid.

3

When using spray bottles apply cleaning solution to wash only small areas of your wooden floor. Floor spray cleaner water, vinegar, and goes further into a clean, damp MOP head. According to need clean water to rinse. Only dry before cleaning the small area of the floor: old towels, cleaning areas.

4

Decide before applying the finish of your wood floor wax natural and accurate. New hardwood floors prefinished is requiring additional wax does not. Cloudy in the fact that these new finishing, dirt, dull if they look at wax. However, should be seeing some kind of wooden floor wax coating protection for their best. Make sure you decide whether or not to apply the wax on your hardwood floor flooring manufacturer.

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Can I Claim Interest Paid on a Contract for a Deed on Taxes?

A land contract, also called an installment land contract for a contract for deed, is a way for a seller to finance a real estate purchase on behalf of the buyer. After the parties agree on a price, the buyer makes a down payment, takes occupancy and begins making regular "mortgage" payments to the seller, including interest.

In the installment sale, the buyer's payments include principal and interest, in addition to property taxes and hazard insurance if an escrow account has been established for these payments. Even though a land contract doesn't require the seller to transfer the deed until the buyer makes payment for the property in full, the Internal Revenue Service considers the buyer as owner for tax treatment purposes. As a result, the land contract buyer is eligible to deduct the annual interest expense from his income on his taxes.

In addition to deducting the "mortgage" interest, the buyer is also able to deduct property taxes, which she is responsible for and must pay in full, along with hazard insurance. If the buyer makes eligible capital improvements, that cost may be deducted as well. Eligible improvements include energy efficient window and doors, among other projects. The seller only acts as the bank and does not bear any financial responsibility toward the home, unless he has his own mortgage on the property to satisfy. Repairs, maintenance, improvements, taxes and insurance are all administered and paid for by the buyer.

The seller in a land contract transaction has some tax advantages as well. Although the seller must report the interest he earned on the deal as income -- and has to pay ordinary taxes on it -- he is able to spread out any gain he made on the property's value over the life of the installment agreement. If the total gain exceeds the maximum exclusion allowed by the IRS, this can result in significant tax savings.

The land contract ends when the buyer pays for the home in full. This can be accomplished in a few ways. The first and most common event occurs when the buyer secures a new home loan that pays off the seller in full at the end of the contract. Land contracts are typically short and range anywhere from two to 10 years. The second event occurs when the buyer simply pays the seller in full without having to take a new loan. Both of these options result in the transfer of the deed to the buyer. In the third case, the buyer decides to sell; when this happens, she is entitled to a return of her accumulated equity.

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