How Do You Ask Someone to Be Your Cosigner

How Do You Ask Someone to Be Your Cosigner How Do You Ask Someone to Be Your Cosigner? How Do You Ask Someone to Be Your Cosigner?If you dont have a great credit score or a large income, you might have to ask for help in order to get a loan or an apartment. Whats the best way to go about it?Asking for help is never easy. You’d probably rather come across as someone who can take care of themselves all on their own. But asking for help shouldn’t be seen as a sign of weakness. In fact, knowing when to ask for help is one of the most important skills you can have.But asking someone for help is even harder when it’s not just your pride on the line. It’s difficult to know exactly how to ask someone else to put something, whether it’s their money or even just their reputation, on the line for you.If you need a personal loan but you cant get approved for one, that means asking someone to be your cosigner. How might you approach that?Why do I even need a cosigner?You can sign on your own. You have a perfectly good signature. Why do you need a cosigner?Odds are it’s because you want a loan or a lease and you can’t get it on your own. Maybe your credit is bad or maybe your income isn’t high enough. Or it could be both!And needing a cosigner isn’t anything to be ashamed of. In some cities, you could need an annual income of more than forty times your monthly rent to sign a lease on an apartment by yourself. There’s no reason to feel embarrassed about having a less than extravagant income.In addition to how much money you earn, a lousy credit scoreâ€"or even a so-so scoreâ€"could mean needing a cosigner with better credit to help you get a loan or a lease for an apartment.Even if the person you’re asking is a good friend or family member, it can be awkward. You’re asking them to have a pretty significant amount of trust in you because if you don’t make your payments on time, it’ll negatively affect the cosigner’s creditâ€"and they could be on the hook for payments you don’t or are unable to make!Choose your cosigner wisely.But where should you turn for a cosigner? Obviously, you’ll want someone who has the necessary income or credit score to actually help you get what you’re looking for. And it will need to be someone you trust who also trusts you.But there are other things to consider when choosing who to ask, as we learned when we spoke to Casey Stubbs, founder of Finance and Markets (@FinanceMarkets1):“When I first left the military to start going to college for my undergraduate degree, I too had to find a cosigner myself as I did not qualify to even rent an apartment on my own. What worked for me was simply to make sure that I had collateral that could cover my cosigner should something have happened to me, and finding someone who no longer needs to rely on credit as they already have paid off their house and their cars. If your parents have already paid their house off and have no intention of moving, chances are they could care less about their credit score dropping a few points during the app lication process, and they can be a great resource as well for you to start building credit on your own.”So if you know anyone who you’re close with who doesn’t have to worry about their credit, it should be easier to get them on board. But regardless of who you ask, it’s important to ask in the right way.Show them that you are trustworthy.As we said at the start, asking for help isn’t always easy. So it helps to make sure you’re asking in a way that is likely to be well-received.“If you cannot find someone who is indifferent to their credit score because they are still relying on credit heavily in their everyday lives,” advised Stubbs, “your best solution is to show them that you have the means to cover the debt, and that it is simply that you do not have enough to cover the bank’s standard, but that you do indeed have something to cover their loses should something happen to you down the line.”It can also help if you present your case to the cosigner with the same preparation and consideration you’d give a bank.“If you’re going to ask someone to be a cosigner on a loan or a lease, there are a couple of things you should do up front,” explained Michael Gerstman, CEO of Gerstman Financial Group. “First, you should insist on putting it in writing that you are committed to repaying the note under the terms of the note. That means no late payments.There should be a personal penalty for a default. For example, if I default on this loan, I’ll be cleaning your house once a week for the next three years. When both parties have ‘skin in the game’ the chances for a default are more limited.“I’d also make sure that if someone is agreeing to cosign a loan or lease they recognize I’d rather cut off my arm than default on a payment.”But as long as you work out a payment plan and stick to it, you should be able to get the loan or lease you need without cutting off any limbs. Show that you have a plan and ask for help, and you’ ll probably find that people will do what they can for you.Finding a cosigner for a standard  loan is far preferable to getting a predatory no credit check loan or cash advance. And even if you cant find a cosigner, remember that payday loans and  title loans are not your only option in a financial emergency. There are safer, more affordable bad credit loans out there. To learn more about navigating life when you have bad credit, check out these related posts and articles from OppLoans:How Bad Credit Can Affect Your UtilitiesIf You Have Bad Credit, a Letter of Explanation Could HelpHow to Finance a Phone with Bad CreditWhat are your stories of asking someone to be a cosigner? We want to hear from you! You can find us  on  Facebook  and  Twitter.ContributorsMichael Gerstman, ChFC, CLU, has been in the financial field for over 25 years. Michael is committed to helping clients make informed financial decisions and strives to use his knowledge, experience,  and commitment to help people enjoy a comfortable lifestyle today while building towards a financially secure future tomorrow.Casey Stubbs is a United States Army Veteran and lifelong entrepreneur dedicated to helping investors from all walks of life achieve financial freedom and abundance in their lives. After launching his first website, Winner’s Edge Trading, Casey has gone on to launch several other successful brands such as Trading Strategy Guides, Learn To Trade For Profit, and  Finance and Markets (@FinanceMarkets1); all dedicated towards helping investors at every level learn how to profitably manage their investments, as well as their personal finances, for themselves.

12angry Men - 1118 Words

12 Angry Men paper Influence Like power, influence deals with the capacity to impact the behaviors of others. Influence, however, arises directly from one’s behavior toward others. There are 8 methods you can use: Foreman –giving options, being likeable, listening to others 1. Coalition building: seeking alignment with others Asking everyone what they thought when he gave everyone the story about the woman. Comparing kids juror #2 and #8 seeking sympathy to show how kids can be ungrateful #8 Involved everyone in discussion and made changes as suggested (speed it up anyone can walk faster than that) One juror looking at the other juror – did or didn’t the old man see the boy moving out the house?†¦show more content†¦judicial system and the task facing the jury: Knows the man better than anyone here†¦.. Multiple jurors Going over and over each detail of the case 8 is more effective because he remains calm, precise, used precise calculations , logical thinking, visual demonstrations shouty guy less effective and was able to be pushed to threatening which dis-proved him. Very good at disproving all objections or setting up reasonable doubt, Very good at going through all the points and creating reasonable doubt. Respecting everyone whether he agreed with tem or not – now the onus is on him to prove that boy is guilty. _______________________________________ 9. The accused, or defendant, is presumed to be innocent unless proven guilty. The jury must decide beyond a reasonable doubt that the defendant is guilty. 10. The verdict must be unanimous. Anything other than a unanimous conclusion on the part of the jury—either guilty or not guilty—will result in a hung jury. If and when the jury announces that it cannot reach a unanimous decision, the judge will declare the trial to be ended. At that time, the state prosecutor can decide to retry the case with a completely new jury. 11. At the time this film was made—the mid-1950s—juries tended to be dominated by white males. Women were issued automatic exceptions and people of color were excluded because of racial/Show MoreRelatedEssay about Influencing an Entire Crowd in 12 Angry Men1021 Words   |  5 PagesTwelve Angry Men is a movie that was made in 1957. The movie is a classic showing how one person can change the minds of an entire crowd. In this gro up of a dozen jurors you have very different personalities and also you have some men that want to be leaders and some that do not. Also the movie demonstrates that actions and behaviors of the twelve jurors. This is an example of small group communications. The juror that was the Architect in the suit was probably the strongest leader in the

Advertisements Influence Consumers - 1048 Words

Bao Ying You Professor: Thomas J. Sayles English 001A, 1194 Draft 1st 09/28/10 Advertisements Influence Consumers Nowadays, there are a lot of advertisements of various brands in television, magazines, newspaper, the Internet or on the streets. We are living in a world which advertisements appear in many kinds of methods twenty four hours a day. Advertisements often use different images to promote their products for obtaining more economic benefits; the advertisement also brings many bad influences to audiences as well. Because advertisements have a lot of wrong ideas, audiences’ ways of thinking and behaviors may potentially be impacted. The private businesses in profit organization composes attractive images in†¦show more content†¦Children may create unrealistic idea for themselves when they influenced by advertising. They may lose to do themselves and change the life style. Take an example of A Brand by Any Other Name, the advertising engender a young person’s loyalty by pretending to disarm itself. Soft drink advertising asks â€Å"Get it?† can make au diences misunderstand that you have to do it if you are cool. Although every people know that soft drink is unhealthy for body, they may drink this kind unhealthy soft drink to be the cool image because audiences have a wrong idea about this soft drink advertising. In similarity, this situation often in MacDonald’s advertising, KFC advertising or other fast food advertising. Audiences can create another idea artificially of popular that affects their life style. Moreover, advertisements often make consumers create unrealistic idea about popularity. Many teenagers consider that follow most people’s fashion is popular and choose the latest brand items will be â€Å"in†. In the article â€Å"A Brand by Any Other Name† of Douglas Rushkoff, a thirteen years old young boy considered a Nike brand shoes at first, however; he was afraid that wear this brand might label him as too anti-Green. Next, he looked at another shoe that was not popular and understood by a small group people in school. Finally, he can only consider the â€Å"retro†Show MoreRelatedThe Influence of TV Advertisements on the Buying Behavior of Adult Consumers in the State of Haryana3060 Words   |  13 PagesIntroduction Advertisements are cost-effective ways to disseminate messages with a view to build a brand preference or to educate people (Kotler Keller, 2006). The majority of the marketers use mass media for their marketing communications. The choice of media is dependent upon the nature of the message and the intended target audience (Etzel et al, 2008). Television is generally acknowledged as the most powerful advertising medium. 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This will help to find out the most important factors which can affect the buying behavior of the consumer while purchasing and on the other hand it

Benign Prostatic Hyperplasia Free Essays

Introduction The process of urination is vital to the body for the removal of certain waste products. Normally, when the bladder gets full, urine is emptied from the body through the urethra in a process called urination. In urinary retention, a person’s bladder fills up and there is an urge to urinate but he is unable to completely empty his bladder. We will write a custom essay sample on Benign Prostatic Hyperplasia or any similar topic only for you Order Now With chronic urinary retention, a person may be able to urinate, but he has some trouble starting a stream or emptying your bladder completely. He may urinate frequently, may feel an urgent need to urinate but have little success when he gets to the toilet; or he may feel he still have to go after having finished urinating. With acute urinary retention, he can’t urinate at all even though he has a full bladder. Acute urinary retention is a medical emergency requiring prompt action. Acute urinary retention (AUR) is an extremely uncomfortable and potentially life-threatening condition characterized by a sudden inability to urinate associated with intense suprapubic discomfort. It is most often secondary to obstruction, but may also be related to trauma, medication, neurologic disease, infection, and occasionally psychological issues. Acute urinary retention (AUR) is one of the most significant, uncomfortable and inconvenient event in the natural history of benign prostatic hyperplasia (BPH). BPH is the virtual universal overgrowth of the prostate gland in men as they age. Various factors affecting BPH are age, genetic makeup, testosterone levels, and environment. As the prostate enlarges it compresses the urethra causing obstruction to urine flow. The urinary stream becomes smaller; there may be difficulty in initiating the stream, dribbling, and intermittent flow, frequency of urination, getting up at night to void (nocturia), inability to empty, or even inability to void at all (retention). Patient’s Profile Name: c Age: 69 Address: Civil Status: Married Chief Complaint: Difficulty in urinating ptc and bloody urine few days ptc Tentative Diagnosis: Acute urinary retention prob. Secondary to BPH History of Present Illness a. Present History Patient is 69 years old male retiree, a resident of PS Tagas, Tabaco City admitted at BRTTH with a chief complaint of dysuria. One week prior to consultation he had difficulty in urinating and presence of blood in the urine b. Medical History The patient claimed that he has hypertension and diabetes mellitus type II. Anatomy and Physiology Prostate gland The prostate is a walnut-sized gland that forms part of the male reproductive system. The gland is made of two lobes, or regions, enclosed by an outer layer of tissue. As the diagrams show, the prostate is located in front of the rectum and just below the bladder, where urine is stored. The prostate also surrounds the urethra, the canal through which urine passes out of the body. Scientists do not know all the prostate’s functions. One of its main roles, though, is to squeeze fluid into the urethra as sperm move through during sexual climax. This fluid, which helps make up semen, energizes the sperm and makes the vaginal canal less acidic. Urinary Bladder The urinary bladder is a muscular sac for storing urine. The triangular base of the bladder, the trigone, is defined by the two ureters that deliver the urine and the one urethra that drains the urine. When empty, the bladder collapses, and folds (called rugae) from in the bladder wall. As it fills, the folds become distended and the bladder  becomes spherical. The wall of the bladder consists of three layers similar to those of  the urethra: the mucosa, the muscularis (here called the detrusor muscle), and the adventitia. Circular smooth muscle fibers around the urethra form the internal urethral sphincter. As a man matures, the prostate goes through two main periods of growth. The first occurs early in puberty, when the prostate doubles in size. At around age 25, the gland begins to grow again. This second growth phase often results, years later, in BPH. Though the prostate continues to grow during most of a man’s life, the enlargement doesn’t usually cause problems until late in life. BPH rarely causes symptoms before age 40, but more than half of men in their sixties and as many as 90 percent in their  seventies and eighties have some symptoms of BPH. As the prostate enlarges, the layer of tissue surrounding it stops it from expanding, causing the gland to press against the urethra like a clamp on a garden hose. The bladder wall becomes thicker and irritable. The bladder begins to contract even when it contains small amounts of urine, causing more frequent urination. Eventually, the bladder weakens and loses the ability to empty itself. Urine remains in the bladder. The narrowing of the urethra and partial emptying of the bladder cause many of the problems associated with BPH. Pathophysiology Urinary retention can be caused by an obstruction in the urinary tract or by nerve problems that interfere with signals between the brain and the bladder. If the nerves aren’t working properly, the brain may not get the message that the bladder is full. Even if you know that your bladder is full, the bladder muscle that squeezes urine out may not get the signal that it is time to push, or the sphincter muscles may not get the signal that it is time to relax. A weak bladder muscle can also cause retention. As a man ages, his prostate gland may enlarge. Doctors call the condition benign prostatic hyperplasia (BPH), or benign prostatic hypertrophy. As the prostate enlarges, the layer of tissue surrounding it stops it from expanding, causing the gland to press against the urethra like a clamp on a garden hose. As a result, the bladder wall becomes thicker and irritable. The bladder begins to contract even when it contains small amounts of urine, causing more frequent urination. Eventually, the bladder weakens and loses the ability to empty itself, so urine remains in the bladder. The pathophysiology of bladder outlet obstruction in men with BPH has been attributed to both static and dynamic factors. The static obstruction is due to the bulk enlargement of the prostate encroaching upon the prostatic urethra and bladder outlet, whereas the dynamic obstruction is related to the tension of prostate smooth muscle. Diagnostic Evaluation and Lab Examination a. Ultrasound of whole abdomen * Normal * Gassy epigastria, gassy filled bowel loops * Empty bladder b. CBC WBC| 8. 1| RBC| 4. 16| Hemoglobin| 103| Hematocrit| 0. 31| Platelet| 273| c. Urinalysis Specific gravity| 1. 025| pH| 5. 0| Sugar| (-)| RBC| 13-15| Medical Treatment and Evaluation Treatment a. Admit to surgical ward. b. Labs: Ultrasound -CBC -Urinalysis c. I ; O q 4H d. Intravenous Rehydration e. Indwelling Catheter – To facilitate accurate measurement of urinary output for critically ill patients, Drug Study Ciprofloxacin Action: Interferes the conversion of intermediate DNA fragments into high-molecular-weight DNA in bacteria; DNA gyrase inhibitor. Indication: Adult urinary tract infections (including complicated); c hronic bacterial prostitis; acute sinusitis; lower respiratory skin, bone, joint infections; infectious diarrhea, exposure to inhalation anthrax; conjunctivitis, corneal ulcers (ophthalmic). Dose: PO 500mg q12h Adverse Effects: CNS: Headache, dizziness, fatigue, insomnia, depression, restlessness, seizures, confusion. GI: Nausea, constipation, increased ALT, AST, flatulence, insomnia, heartburn, vomiting, diarrhea, oral candidasis, dysphagia, pseudomembranous colitis, dry mouth INTEG: Rash, pruritis, uriticaria, photosensitivity, flushing, fever, chills, MISC: Anaphylaxis,Stevens-Johnson Syndrome MS: Tremor, arthalgia, tendon rupture Nursing Considerations: * Assess patient for previous sensitivity reaction Identify urine output; if decreasing, notify prescriber (may indicate nephrotoxicity); also check for increased BUN, creatinine. Nursing Care Management Ongoing Assessment * Monitor Intake and Output. * Assess Vital signs| Provides information about fluid balance, renal function as well as guidelines for fluid replacement. BP, Pulse, RR, and Temperature indicate response to fluid status. | Diet * Low Sodium diet| A diet high in sodium may raise blood pressure and caus e fluid retention, resulting in swelling of the legs and feet. | Sex Being sexually active may help keep the urethra open. But the patient should not get sexually aroused without ejaculating because the urethra may get blocked. Some treatments may also cause sexual problems. These problems usually do not last forever and most can be helped. Complications * Urinary Tract Infection * Bladder Damage * Chronic Kidney Disease| Urine is normally sterile, and the normal flow of urine usually prevents bacteria from growing in the urinary tract. When urine stays in the bladder, however, bacteria have a chance to grow and infect the urinary tract. If the bladder becomes stretched too far or for long periods, the muscle may be permanently damaged and lose its ability to contract. If urine backs up into the kidneys, permanent kidney damage can lead to reduced kidney function and chronic kidney disease. If you lose too much of your kidney function, you will need dialysis or a kidney transplant to stay alive. | References: Mosby, Elsevier. Mosby’s Guide for Nurses, 6th edition. Missouri, St. Louis: 2005 http://www. pennmedicine. org/encyclopedia/em_DisplayAnimation. spx? gcid=000136;ptid=17 http://www. nsbri. org/humanphysspace/focus4/ep-urine. html http://kidney. niddk. nih. gov/kudiseases/pubs/UrinaryRetention/ http://www. uptodate. com/contents/acute-urinary-retention http://www. ncbi. nlm. nih. gov/pmc/articles/PMC1477632/ http://www. scribd. com/doc/5989689/Case-Study-BPH http://wps. prenhall. com/wps/media/objects/3918/4012970/NursingTools/ch48_NCP_UrinElim_1316-1317. pdf http://www. drugs. com/cg/urinary-retention-in -men-aftercare-instructions. html How to cite Benign Prostatic Hyperplasia, Papers

Problem Statement free essay sample

When victims of cybercafà © seek aid from the courts, they expect to be compensated financially and that they would be treated with respect and that they will get help to resolve their problem (vision statement). The scale of supercritical activity represents a considerable challenge to law enforcement agencies and the total cost of cybercafà © to society is significant.A recent report suggests that victims lose around $290 billion each year worldwide as a result of cybercafà ©, making It more refutable than the global trade In marijuana, cocaine and heroin combined. This type of crime happens to everyone and It Is not set on Just one type of victim. There Is an estimate of about 20% of people that had to deal with this kind of crime. The Impact cybercafà © has on Its victims causes guilt, anger, cheated, helpless, and fearful or worried. All these emotions have made vellums not to trust anything or anyone. We will write a custom essay sample on Problem Statement or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Cybercafà © occurs at any point In time during a duration of opening a Bessie that people believe to be safe. Even large businesses have had problems with cyber activity and has cost a lot of money, which hurts no matter who the volt is. Cybercafà © occurs just about everywhere and the Internet is definitely a gateway for computers to be used as bait (issue statement). To better protect yourself from becoming a victim, computer forensics specialists are one of the best lines of defense.While one will always be careful searching the Internet, cyber attacks can be racked if it is detected early and brought to computer forensics specialists. By providing individuals with a software updates, having them install a firewall to defend the computer from problems, install anti-virus software and to update it regularly, and Just be careful what gets downloaded into the computer. Furthermore, lust be aware of emails from unknown senders, do not open an email that is not familiar (solution statement).

Affirmative Action1 essays

Affirmative Action1 essays I. We didnt land on Plymouth Rock, my brothers and sisters Plymouth Rock landed on us! Malcolm Xs observation is brought out by the facts of American History. Snatched from their native land, transported thousands of miles in a nightmare of disease and death and sold into slavery, blacks were reduced to the legal status of farm animals. Even after emancipation, blacks were segregated from whites in some states by law, and by social practice almost everywhere. American apartheid continued for another century. In 1954 the Supreme Court declared state-compelled segregation in schools unconstitutional, and it followed up that decision with others that struck down many forms of official segregation. Still, discrimination survived, and in most southern states blacks were either discouraged or prohibited from exercising their right to vote. Not until the 1960s was compulsory segregation finally and effectively challenged. Between 1964 and 1968 Congress passed the most sweeping civil rights legislation since the end of the Civil War. It banned discrimination in employment, public accommodations (hotels, motels, restaurants, etc.), and housing; it also guaranteed voting rights for blacks in areas suspected of disenfranchising blacks. Today, several agencies in the federal government exercise sweeping powers to enforce these civil rights measures. But is that enough? Equality of condition between blacks and whites seems as elusive as ever. The black unemployment rate is double that of whites, and the percentage of black families living in poverty is nearly four times that of whites. Only a small percentage of blacks ever make it into medical school or law schools. Advocates of affirmative action have focused upon these differences to support their argument that it is no longer enough just to stop discrimination. Liberal Democrats feel that ...

The Difference Between a Vegan and a Vegetarian

The Difference Between a Vegan and a Vegetarian Vegans are vegetarians, but vegetarians are not necessarily vegans. If that seems a bit confusing, it is. Many people are confused about the difference between these two ways of eating. Though most of us dont like being labeled, the labels vegetarian and vegan can actually be helpful because they allow like-minded people to find one another. What Is a Vegetarian? A vegetarian is someone who doesnt eat meat. If they dont eat meat for health  reasons, they are referred to as a nutritional vegetarian. Those who avoid meat in deference to  the environment or the animals  are called ethical vegetarians. A vegetarian diet is sometimes called a meatless or meat-free diet. Vegetarians do not eat animal flesh, period. While some people may use the terms pesco-vegetarian to refer to someone who still eats fish, or pollo-vegetarian to refer to someone who eats still chicken, in fact, fish and chicken eaters are not vegetarians. Similarly, someone who chooses to eat vegetarian some of the time, but eats meat at other times is not a vegetarian.   Anyone who doesnt eat meat is considered vegetarian, which makes vegetarians a large and inclusive group. Included in the larger group of vegetarians are vegans, lacto-vegetarians, ovo-vegetarians, and lacto-ovo vegetarians.   What Is a Vegan? Vegans are vegetarians who do not consume animal products,  including meat, fish, fowl, eggs, dairy, or gelatin. Many vegans also avoid honey.   Instead of meat and animal products, vegans stick to eating grains, beans, nuts, fruits, vegetables, and  seeds. While the diet may seem severely restricted compared to the standard American diet, vegan options are surprisingly wide-ranging. A look at  vegan gourmet foods  should convince just about anyone that a vegan diet can be delicious and filling. Any recipe calling for meat can be made vegan with the use of  seitan, tofu, portobello mushrooms, and other vegetable-based foods with a meaty texture. Diet, Lifestyle, and Philosophy Veganism is more than a diet. While the word vegan may refer to a cookie or a restaurant and mean only that there are no animal products present, the word has come to mean something different when referring to a person. A person who is vegan is generally understood to be someone who abstains from animal products for animal rights reasons. A vegan may also be concerned about the environment and their own health, but the main reason for their veganism is their belief in animal rights. Veganism is a lifestyle and a philosophy that recognizes that animals have a right to be free of human use and exploitation. Veganism is an ethical stance. Because veganism is about recognizing the rights of animals, its not just about food. Vegans also avoid silk, wool, leather, and suede in their clothing. Vegans also boycott companies that test products on animals and do not buy cosmetics or personal care products that contain lanolin, carmine, honey, or other animal products. Zoos, rodeos, greyhound and horse racing, and circuses with animals are also out, because of the oppression of the animals. There are some people who follow a diet free (or almost free) of animal products for health reasons, including former U.S. President Bill Clinton. In these cases, the person is usually said to be following a plant-based diet. Some also use the term strict vegetarian to describe someone who does not eat animal products but may use animal products in other parts of their life, but this term is problematic because it implies that lacto-ovo vegetarians are not strict vegetarians.