Cosigning A Loan – Personal and Financial Consequences

Perhaps a friend needs to get a loan for a new business or your family member needs a new car or there are unpaid medical bills. If you are asked to cosign for a loan for anyone, you will find yourself with a serious decision. Do you want to make a commitment to repay the loan if the other person fails to do so?

This loan process involves more than just signing a few papers. This is a very serious business transaction. If you are not in a financial position to pay off the loan, in the event that the other party is unable to, there can be consequences that affect your future for a long time. It could hinder your chances to secure a loan yourself.

A number of studies were made to determine the percentage of loans that the cosigner ended up having to repay, because the other person was unable to pay it and the loan went into a default status. The results of these studies were quite disturbing, although the statistics don’t take into account the personal relationship you have with the other person or your own personal situation.

Usually a person can not obtain loan approval because of a low credit score or he may have several other unpaid bills or a history of late payments. It could be that there has not been sufficient time to establish good credit or the person may have started a new job. Whatever the reason or circumstance you have been asked to cosign a loan, it is because you are in better financial shape than the other borrower. The lender must have someone who has a better credit rating to balance the risk presented by the other party’s lack of credit worthiness.

The better credit rating may make you the best target for the lender if the primary borrower fails to meet their repayment obligations. The assumption that the lender may not get compensation from the primary borrower makes the collection efforts point toward you.

As a cosigner, you will be liable for any late fees or attorney fees associated with prosecution of claims. You could also have your wages garnished or you could lose any collateral used as security for the loan.

You must carefully consider what you are agreeing to if you say that you will cosign a loan. If you feel there is any chance that the borrower may not be able to stay with the agreement, you should not sign. You should keep enough funds available to pay the loan off even if everything goes smoothly for the period of the loan.

You must take all precautions to protect yourself in case of default and you must be sure to have the terms of your responsibilities in writing. The details of these responsibilities should be explained clearly and the lender should be told to contact you if the borrower is late with a payment so you can plan how to deal with the situation.

Make sure to do your homework about cosigning and lending policies in these types of situations so you won’t be surprised by any other term or condition of the contract for the loan. You will have to make the final decision of whether or not to cosign. Try not to let your emotions or personal feelings get in the way of sound financial judgment.

Source by Joseph Kenny

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So God Made a Wrestler

God looked down on his paradise and was pleased. He looked upon all of the peoples of the earth. He noticed the many sports that athletes participated in. God said, "I need to create the ultimate sport and the ultimate athlete." So God made a wrestler.

God said, "I need an athlete who is willing to participate in a sport that requires discipline, sacrifice, dedication, hard work, and commitment." So God made a wrestler.

"I need an athlete who is willing to face another athlete one-on-one in the most physically demanding sport in existence with no one else to help him and yet not be afraid." So He made a wrestler.

"I need an athlete who can defeat his opponent with strength, power, speed, agility, and technical skills. So God made a wrestler.

God said, "I need person who is willing to get up at 6:00 am so he can run five miles before going to school. Still come home and do his homework. " So God made a wrestler.

God had to have someone willing to practice the same move for hours, day after day until he had it perfected. So He made a wrestler.

God said, "I need an athlete who Declares as a boy that one day he will be an Olympic champion and never doubles himself." So God made a wrestler.

"I need an athlete who can lose his final college match making it his only loss during his high school and college career. Dominating fashion and then go on to become one of the greatest wrestling coaches in collegiate history. " So God made a wrestler.

God said, "I need an athlete who is willing to shoot a million low single legs in his lifetime and perform a leg lace fifty times a day because he knows the value of drilling." So He made a wrestler.

God had to have someone who could get pinned one week and then defeat that same opponent the following week to win the conference championship because he believed in himself and in his abilities. So God made a wrestler.

God said, "I need an athlete who is willing to work hard for four years and never regret it even though he never makes the varsity team. " So He made a wrestler.

"I need an athlete who is willing to practice three times a day preparing for the NCAA Tournament because his coach thinks that is what is needed to be prepared. Regular wrestling practice because his coach thinks that will give him the edge going into the NCAA Tournament. " So God made a wrestler.

God said, "I need an athlete that can be undefeated for thirteen years of international competition and then lose a match with the whole world watching and yet still be a gentleman and shake his opponent's hand." So God made a wrestler.

"I need an athlete who can face a man that has not lost a match in thirteen years and yet feel up to the challenge and never doub himself." So He made a wrestler.

"I need an athlete who can become a seven time world champion and a three time Olympic gold medal winner becoming one of the best in his sport of all time." So God made a wrestler.

God needed an athlete who would run wind sprints until his lungs burned and his legs ached. He needed that same person to do push-ups until his arms could no longer lift his body up for even one more repetition. God needed an athlete willing to work to the point of utter exhaustion. So He made a wrestler.

God said, "I need an athlete who is willing to turn down a candy bar or a cheeseburger because he needs to make weight the next day. In peak condition, even though he'd much more eat pizza and drink soda pop. " So He made a wrestler.

"I need an athlete who can work twelve hour days at a summer job and still still make practicing and working out a priority." So He made a wrestler.

God needed an athlete to practice his skills, lift weights, run, eat healthy, strive for perfection, overcome defeat, show good sportsmanship, toil, sweat, bleed, and sometimes even cry. So God made a wrestler.

God said, "I need an athlete who develops the character, values, self-discipline, and work ethic that will be with him even after his days of competition are over." So God made a wrestler.

Thanks for reading this bit of creative work. I hope you found something inspiring in its words.

Source by Tharin Schwinefus

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Lexington Homes for Sale – Discovering the Interesting Cityscape of Lexington, Kentucky

If you would consider living in Lexington, Kentucky and you are now searching for a pleasing choice from available Lexington homes for sale, it would be worthy of your time to look into the interesting, wonderful and truly diversity cityscape of Lexington. With all of its awe-inspiring structures, the city boasts of featuring an urban growth frontier that consists of greenbelts and rigorous zoning classification. The primary purpose why this has been implemented is not only limited to protecting the Bluegrass landscape from the broadening development but more than that is to protect pure-bred horse farms, which is the authentic label and description that the region is well known and distinguishable for.

If you are interested to learn more about the wonderful features and structures in the city of Lexington that gives rise to the growth of the city and at the same time cause positive implication on the condition of the Lexington real estate industry, for sure you would be more than glad to see them pointed out in this article.

• Notable structures in the city of Lexington

1. The tallest structure named as the Lexington Financial Center was completed in 1987. It is a 410 feet high rise structure with 30 floors standing in that area bordered by the South Mill, Vine, and Main Streets and at present serving as a home to the Fifth Third Bank and other financial institutions.

2. Those who want to experience living in a high rise structure would certainly be satisfied with Lexington MLS featuring units that is part of the 22-storey Park Plaza. This structure features an 8-storey parking garage connected to the Lexington Public Library, which is advantageous for families who have school-age children.

3. World Trade Center that opened in 1982 is a business complex, which was originally referred to as the Vine Center and established in that portion of land bounded by the Vine, South Mill, And East Main streets.

4. Festival Market which is now popularly known as Triangle Center is home to many restaurants and coffee shops, although it was originally built to serve as a shopping and dining complex.

In addition to these notable structures, new urban developments are introduced with most of them consisting of real estate developments to offer solution for the great demands of many individuals searching for quality Lexington homes for sale. One of these is the 500s on the Main, which is located adjacent to the Victorian Square and across from the Lexington Center. It is initially planned to feature both residential and commercial spaces that will cover an entire city square block. Based on the original plan, it would feature penthouses, condo units, and urban-inspired convenience stores and dining establishments.

Other real estate developments featured in the city of Lexington include the renovated Nunn Building, a luxury townhouse development named Fairmont on Main, environmentally friendly loft structure called NewPast on Main, residential condominiums featured in Main Rose. And the number still increases as years go by with the commitment of Lexington real estate to provide the needs of people in search for homes created in a fashion that would suggest pleasant city living without having to compromise the ambiance of horse-farm lifestyle, which makes Lexington, Kentucky a unique location for your new home.

Source by Ron Kettler

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Be Your Own Boss – Make Your Own Decisions

If you are considering working from home, then you will be joining thousands of other independently minded entrepreneurs. People seek work they can do at home for a number of reasons, some are just looking to make a bit of extra income, while others want to change their way their life for the better and are looking to escape the regular 9-5 daily routing .

Working from home is not a get rich quick scheme. Like any other job, it takes time to find the right product, market it to the right audience and build up a reputation. However when compared with working for someone else, then the hard work is worth it for most people.

There are so many advantages to working from home, just imagine, waking up in the morning and actually having time to eat breakfast with your kids before taking them to school. No more wasted time and frustration as you sit in traffic and tarrying late at the office, no-one to yell at you if the task has not been finished in time, or telling you when you should eat. The decisions are all yours when working from home, and if you are not motivated enough to work hard then you might as well stay put in your regular job.

Working for yourself from home takes motivation and commitment, and a lot of hard work. Set yourself a goal for the day and constantly work towards reaching it. Max International gives you one of the most beneficial compensation plans in the trade selling a unique product that can have a remarkable impact in people's lives. They are well known for creating organic first-rate dietary supplements that have been proven to improve the function of the body and increase quality of life.

Max offers an uncomplicated, low-risk plan with minimum outlay that can provide you with a comfortable income and guarantee you a better standard of living. Their compensation plan is a success due to the way it has been devised, giving associates various advantages. Designed by experts with experience in the industry, their ability to see both sides of the coin, the associate and the corporate, and means that they aim to please both.

Max International specializes in quality health dietary products of which Max GXL is one of them. Were you aware that glutathione is a strong, common antioxidant in your body? Increasing the level of glutathione level will increase your level of energy, detoxify your body and strengthen your immune system. MaxGXL offers the right nutrients required to encourage the body to produce and absorb glutathione itself. It is also beneficial in helping the liver to function as the main producer and store for glutathione.

As we age, the body's production and utilization of glutathione decreases and those with low levels of it are more at risk of a chronic illness. Research has shown that supplementing your diet with MaxGSL increases glutathione production and thus can prevent illness. GSH levels start to diminish from the age of 20 and are further reduced by recurrent stress upon the immune system such as illness, infection, and environmental toxins. A weak immune system can result in illness and disease.

Becoming a partner with Max can help you in your dreams and aspirations. Life that is not lived to the full is no life. Realizing your hopes and desires will make you a much more content and happier person. Do what you want to with your time and do not waste any more of it making money for someone else.

Invest in Max International today and take control of your future. Be your own boss, live by your rules, work the hours you want and see your life change for the better. Choosing Max will not only benefit your mind and standard of living, it will also introduce you to the healthy supplements available, the products you will be selling, that can make you feel like a new person. Check out Max International and their line of products including Max N-Fuse and MaxGXL.

Source by Michiel Van Kets

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Business Car Leasing – Image & Impact

Whether you need to travel to get to work or your job requires to travel all over the country, having a can be the most useful form of transport. Car’s are a lot more reliable and give you the independence to go anywhere you please.

But what happens if you need to travel for business but you do not have a car?

Well there is always the option of business car leasing. This will enable you to have a brand new car with all the latest features almost straight away. As an advantage, if you lease a car through a business you as an individual are at a less of a risk. Although to receive an approved business lease you will need to have a good idea of your credit on the business accounts as these will be checked against the approval. Like a normal car lease monthly payments will be required once the lease has been agreed, however as a business lease these payments can be seen as expenses which can be counterbalance against corporation tax. By also taking out a maintenance contract as well as a business car lease means that all of the VAT paid on that lease will be reclaimable.

So how does business car leasing work?

After you are credit approved through the business accounts, you will place your order which covers your specific requests, and then you will need to pay a deposit as a financial commitment to the contract agreed. Once the deposit has been made and all other paperwork had been completed and signed, the delivery date will be set and you will then need to pay the first initial payment to the company which is dealing with the financing of the lease.

Like normal car leases the initial payment is 3, 6 or 9 times the monthly amount. Servicing however all depends on the length of your contract. Like all new lease cars you have peace of mind that you will not have to worry about the MOT of the car unless you have four year contract, as the MOT will be required on after the third year. If you do decide to take out a maintenance contract with your lease, any services, MOT, wear and tear will be covered within your maintenance contract.

Are there any advantages of having a business car lease?

Well for starters people always say that “the best impression is always the first impression”. You may not think this is important when leasing a car but for business this can make a big difference. Although the idea of social classes are slowly blending over the years, it goes without saying that when you rock up in a fancy or expensive car to a business meeting people will picture you as person from a relatively wealthy background. From this an idea of “importance” can be clearly identified and can make a really strong impression. Other advantages are some that were mentioned previously, like the fact that when you decide on a business car leasing, you will be covered by certain business expenses which can cut the overall cost down significantly.

Of course with all advantages come disadvantages, and when it comes to business car leasing some of the disadvantages are that as the vehicles are not considered as assets of the company the devaluation cannot be written off for tax purposes. Other tax issues similarly can arise such as the number of vehicles and the amount of mileage that can be claimed for. Like normal leases there will be mileage limitations where anything over the agreed limit will be charged with additional excess fees. As a business you are still required to provide your own fully comprehensive insurance on all leased vehicles.

Source by Roxanne Tanner

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How to Become a Hospitality Industry Training Teacher

There is a constant need for hospitality industry training. Many training institutions offer a wide variety of courses from short, safe food handling courses to advanced diplomas in hospitality management.

If you an experienced hospitality professional and are passionate about your work, becoming a hospitality teacher might be the next stage in your career.

Have you ever dreamed about passing on your skills, knowledge and experience to young people who are keen to make hospitality their career?

Do you know what it takes to become a good hospitality worker?

Do you have a vision of a future hospitality industry which employs workers who maintain only the highest standards of goods and services?

You can make a positive difference in the hospitality industry by becoming a hospitality instructor and pass on your professional skills, knowledge and experience to those entering the industry.

There is a need for people like you in the country’s hospitality industry training institutions. You don’t need to be Jamie Oliver, and certainly not Gordon Ramsey, to teach any aspect of hospitality, but you do need to be enthusiastic and be able to pass on this enthusiasm to your students.

You will need excellent command of all aspects of your profession, in theory and practice, and excellent communication skills.

Patience and a positive attitude is a must, but more important, you must be passionate about maintaining the highest standards in every aspect of the job, and be able to pass that on to your students.

There are different ways to get certified as an instructor, depending on the sector and training organization that you will be teaching in. Some require some level of teaching qualification, others will assess your experience in the field and your attitude towards teaching. If you have what it takes to be a successful instructor, you will be advised on the training courses available – either on campus or by correspondence.

Other requirements: Most hospitality industry training institutions strive to train students who can perform to international standards. Therefore, some courses in the hospitality industry require international experience from their teachers.

To maintain and be able to underline the importance of top quality standards and service, you will need experience in 4-star or higher establishments.

You will need to be self motivated and have the ability to motivate others.

Keeping up with the latest in the industry: to train hospitality staff, you need to be up-to-date with recent trends and developments in the industry. Be it the latest trends in the food & beverage sector, or the newest version of software for front-desk receptionists. You can do this by combining part-time work and teaching, or just educating yourself by keeping in touch with the industry through reading and personal contacts. In any case, you will always be in the frontline of developments in the hospitality industry, making sure the graduates you train will be transformed from unskilled novices into confident professionals who are ready to take on any job offered to them.

Teaching is a very satisfying job. It requires a lot of patience, commitment and dedication. But you will be rewarded by seeing your students acquire the skills that will lead them into the world of hospitality service. You will be taking part in shaping the future of the industry, knowing that your students will, upon graduating, be taking the first steps in an exciting career, with global opportunities.

Like every other career in the hospitality industry, a training instructor has many opportunities for personal development and diversification. You can gain certification as an instructor in higher level courses, be involved in developing educational curriculum and apprenticeship programs, or manage the job placement unit – interacting with workplaces to assist graduates in finding work.

If you feel you have something to give to the next generation of industry professionals, and have what it takes to become a teacher, consider this exciting and rewarding career as a hospitality industry training instructor.

Source by Leith James

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The Essential Elements Of A Contract

A contract is simply a binding promise between parties which a court will enforce if not carried out. Contracts are essential for modern life. Without them commerce could not happen as people could not rely on the promises of another if anyone could just pull out of their commitments at any time.

So how are contracts formed? Well there are several elements to make a valid contract.

1. There needs to be an offer from one party to another. An example of an offer would be "I will paint your house for $ 500". The offer here obviously being to pain the house for $ 500.

2. The offer must be accepted by the other party. This is key for the creation of the contract. Without a valid acceptance then there can not be said to be an agreement between the parties. It is important to note that where an offer is made by the first party and a counter offer is made by the second party then this brings the first offer to an end.

3. There needs to be consideration in the contract. Consideration is when both parties offer something of value in return for the other promise. That something can be anything of value to the person providing it (eg money, services, physical goods etc).

4. The parties to the contract must intend that the promise will be legally binding. Lots of promises are made rashly and. Only those promises which are supposedly to be legally binding will benefit from the protection of the courts.

Source by Jack Barnes

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Why Do Some Guys Want to Commit So Fast? Learn the Reasons Why Some Guys Are So Quick

It has kind of become like a norm that most men either hate to get into commitments or take a long time in doing so. So, it does come as a surprise to women when their man is overly eager to get committed. Below may be some reasons for that.

Reasons from the past
Maybe he has been in a relationship where he loved his woman and was absolutely committed to her and spending plenty of time and effort only to be dumped by her. So maybe his past insecurities are making him rush if he feels that you are the right one for him.

He is head over heels in love with you
Everyone has heard of the love at first sight syndrome. It is possible that something like this has happened to him regarding you. He has eyes only for you and you have become his center of universe. So, obviously he sees no reason for any delay of any sort.

He may have territorial instincts
Now every woman has their set of admirers. If he is in some way interested in you, then his natural instincts would tell him to put a fence around you in an effort to keep the other guys at bay while he take his time to sort out his own feelings about you. In his mind he just wants the security that you do not fall for someone else in case he wants you for himself.

He is completely sure of his feelings
It is human nature for the mind and heart to be in conflict most times. But it can be that he in his whole being is very sure that you are the one and only for him. He will then find no reason for waiting.

His mind has made him insecure about you
Now he might very much be in love with you and if at all he has seen something in your behavior or mannerisms that tell him that you might be losing interest in him, he will just push the panic button and offer his commitment sooner than you think Due to fear of losing you.

Maybe he has been there forever on the scene
It might be possible that he has gone around and dated a lot of women in the past only to have been disappointed by every one of them in some way or the other. And so if he likes you, he feels the need to be quick for commitment before his mind undergoes a change too.

That need to feel settled
Bachelor days are not going to be around forever. Every man at some point of time in life wants to settle down. And if he feels that you are that special one for him, he certainly is not going to hang around for long.

Source by Krista Hiles

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To Be a Lady in 2016

There are as many definitions of 'lady' as there are dictionaries. Webster defines our topic as, "noun: a woman who behaves in a polite way; a woman of high social position; a man's girlfriend." In Old English, it means female head of household. The Urban Dictionary gives us a couple of definitions to choose from.

The choices include, "In poker, a pair of queens," and "Any female is a woman, or will be, but, being a Lady takes work and it is not inborn, it is a practice, a fine art and takes Focus and consideration. " According to the Encyclopedia Britannica, this is a general title given European women of noble birth or marriage.The word is associated, primarily, with a gentle, kind woman of good education. She is in control of herself at all times, practices proper hygiene and grooming, is good mannered, well versed in accepted formal and informal etiquette, and genially puts others comfort over her own. It is a fading art in our modern world. It takes a commitment to excellence and to living a more reserved lifestyle that many women of today find cumbersome and stifling. To think before speaking, willingly take a backseat in a discussion, approach dressing with a conservative eye, to run a household with grace and ease … well, let's just say that girls of today find these qualities too confining or an affront to their Liberated status. They have become accustomed to being in the limelight and feel entitled to the label without displaying the rendered conduct.

While subservience plays a part and has a place and time in a lady's life, contrary to popular belief, it is not the backbone of her existence. A woman that is self-assured, steadfast, and possesses strong morals, ethics, and values ​​has no need to grandstand. Her character is reflected by her behavior. It, by no means, infers that she is less than. Actually, her behavior leaves others to believe quite the opposite.Is it possible, then, for a woman in this day and age to acquire the attributes of "lady-ism"?

Are there other completed women that can provide an example to be followed? Which of these women are worthy of emulation? There is, of course, Jackie-O and Mrs. President Johnson, but, they may be a bit far removed for the young women coming of age now. Princess Diana's poise and grace is ageless; Timeless. Kate Middleton provides us with yet another fine example.

The majority of women learn "how to" from their mother, their aunt, a grandmother. This is how skills were handed down from generation to generation. Society has become less invested in the extended family and so, traditions and ways of living have been lost to the past. Tv and movie stars, bands and solo artists have become the examples of "how to" for our young women.

They learn to live in a way that approves failure, lack of commitment, instant gratification, and the "it's-all-about-me" attitude. A return to social grace, established morals, ethics, and values, a promise to and pride in a well rounded and stable family can only be a move towards the positive. The art of being a real lady is an art worth reviving in 2016, I say. It may not bring about world peace, but it is a step in the right direction.

Source by Nguyen Kinh Luan

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Wanted – A New Generation of Environmental Leaders

“Each and every one of us can make changes in the way we live our lives and become part of the solution [to climate change.]”

Al Gore, Nobel Prize Winner and 45th Vice President of the United States

Do you want to be part of the solution to Climate Change? There has been a massive increase in media coverage and awareness of climate change over the last few years. What we now need is leadership that will turn our awareness and anxiety into the will to take action, and then follow through with long-term solutions. At every level, from communities and businesses to national governments and the United Nations, we need leaders more than at any time in our history. Environmental Leadership is the most important element in confronting the urgent challenge of Climate Change.

Why is Environmental Leadership so Important?

The Planet is in crisis. There is almost complete consensus amongst scientists that climate change is a major and dangerous threat to both humanity and the ecosystems of the planet. The greater need is not for more science or data to prove there is a problem, but for leadership to tackle this issue head on.

Convert knowledge into Action. We have the knowledge to tackle this crisis. There are already a wide range of available technologies, tax instruments and policies that could mitigate climate change and eventually reduce the threat. Strong leadership would greatly accelerate their implementation and effectiveness

We have the financial resources. The nearly trillion dollars spent on the Iraq and Afghanistan war would have gone a long way to tackling climate change. Indeed, the irony is that spending money on alternatives to fossil fuels would reduce dependence on oil from areas of high risk and conflict, which would in turn save money and reduce the risk of war. It is environmental leadership that will provide the vision, the will and the ingenuity to divert resources towards dealing with climate change.

Public Demand for Leadership. Public awareness and pressure for change has never been higher. Al Gore and the IPCC have just won the Nobel Peace Prize. Every survey shows strong popular support for action, including in the USA. People are looking to business to provide leadership. In 2007 the Cone Consumer Survey reported that 93% of Americans believe companies have a responsibility to help preserve the environment.

We cannot do it on our own. Unfortunately the scale and intricacy of the required changes are beyond individuals to bring about on their own; our behaviours are intricately embedded in complex socio-economic systems dependent on fossil fuels. Leadership is required in business to develop low-cost renewable energy; in government to provide the incentives and regulation to promote renewable energies and reduce carbon emissions; and across society to encourage new values and behaviours which ensure we change our lifestyles and adopt renewables.

What is an Environmental Leader?

Environmental leaders are agents of change. They create urgency, develop an inspiring vision and mobilise people to take action towards achieving their environmental mission. They are imaginative and flexible, finding ways to align organisational and environmental goals whatever type of activity they engage in.

Environmental Leaders are motivated by feelings of connection and love for the earth. They want more than just a payslip from their day’s efforts. They know that to achieve their full potential, they need a cause that is greater than their own self-interest. They do well by doing good.

They know they are part of nature and that everyone’s well-being ultimately depends on the well-being of our ecosystems, which support life itself. Living sustainably means being compassionate to all species, and this includes humans. When people live sustainably, they are looking after current and future generations. They are acting as stewards, accountable to our children and grandchildren. This is authentic leadership.

How do I become an Environmental Leader?

You can start anywhere – at home, at college, in the office or in your community. The key is to take action. If you want to integrate your personal values and your professional career then there are a number of exciting options for you in business, non-profits and the public


Bright Green has been created to identify and support environmental leaders. Everyone in our organisation has decided that the best use of our time, energies, and skills is to recruit current and future environmental leaders for our clients on both sides of the Atlantic. We work with corporations, start-ups, NGOs, and government agencies with a strong commitment to the environment and corporate social responsibility. We have also set up an office in California, and we are encouraging the brightest and best of our respective generations to dedicate their careers to promoting sustainability.

We want to help our candidates become leaders and we want to help our clients recruit leaders. We believe this is the best way of helping organisations improve society and our planet.

For more information about Bright Green, please visit us at

Source by Paul Hannam

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