Borrow Money From Friends, But Pay Special Attention To The Promissory Note
Borrow money from friends and relatives only after careful consideration. Having a fantastic money-making idea but bad credit may point you in the direction of family and friends.
Financial risk will always be part and parcel of any loan. Borrowing money from family and friends highlights a double whammy though. Risk and emotional challenges.
A well rounded, thoroughly researched business plan can be very effective though. It can lower the risk involved and at the same time allay any fears of emotional challenges.
These issues should already have been settled by the time you discuss the promissory note. The promissory note will require a mutually well thought out plan before it is signed.
The Promissory Note
The promissory note is your promise to pay back the loan. The repayment of the loan is set out in the schedule outlined in the promissory note. All successful loans have as their foundation this type of note.
Without it not only would financial protection for the lender be in jeopardy, so would the relationship. The following are some of the protections that the promissory note provides:
1. It sets out repayment dates.
2. It also sets out repayment amounts.
3. Outlines agreed upon grace periods.
4. Indicates first repayment date and final repayment date.
5. Sets out interest rates.
6. Nullifies confusion, and protects the relationship.
When you borrow money, always observe and gauge your lender. An apprehensive yes may mean yes because of your relationship. But otherwise it would have been no. You could allay that apprehensive yes by offering to secure the loan.
You could put up your brand new Chrysler Jeep as security. This may be just the thing that turns the apprehensive yes into a full-fledged yes, with a smile. You have to gauge that sort of response. Be prepared.
Maybe your lenders concern is not the security but the low interest rate. Stay in the zone. You know the person. Again, be prepared. Make a response. It could be the seasonal nature of your product causing concern. Realistically adjust your payments for that time period.
Have you considered a third party? A third party would diffuse a whole lot of discomfort.
When the note has been signed, and the borrowed money received, you must know when the repayments are due. Should you encounter repayment challenges, immediately communicate with your lender. Do not miss payments and leave your lender in the dark.
Should the need for a readjustment to the repayment schedule be necessary, work it out with your lender. Keep communication lines open. Protect your relationship. You dont want a ruined relationship be the main conversation at thanksgiving.
Wycliffe Williams
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8 Things That Attract A Man to A Woman!
There are certain things that are going to attract a man to a woman. If you are a man and you are wondering what you can do to make yourself more attractive to a woman, you need to pay attention. You have to check this out so that you have what it takes to draw in a woman and keep her interested in you. Being able to attract a woman is going to be the first step in building a great relationship.
1) Dress for Success
The first thing that you need to do is make sure that you are keeping up with your appearance. Women want to have a man that looks a certain way. They want to have a man that takes pride in their appearance and wants to look good for them. However I am sure that a woman does not want to have a man that is too worried about what they looks. Pretty boys are not usually what most women want however there are a few that do like this type.
Make sure that your clothes and hair and everything about you makes you look attractive. Keep yourself groomed well and always make sure that you smell good. Women go crazy for men that smell nice.
2) Take Advantage of Her Senses
You need to make sure that you are appealing to her senses. This means you need to think about what you can do to make yourself more appealing to her through her senses. You need to have everything - from the way that you sound to the way that you touch her!
Make sure that you talk in the voice that melts her from time to time. Again having the right fragrance is going to make her feel good about you too. Clothing and appearance will take care of the sight sense and you need to make sure that you keep up on the sense of touch. Give her comfort and hold her when you should and make her feel loved by the way that you touch her.
3) Make her Dream about You
Give her a reason to think about you. Whatever it is make sure that you leave an impression in her mind. It can be anything from the way that you talk to her, the affection that you show her or the little things that you do to make her happy.
Whatever it is make sure that she can never take her mind off of you. This will make her feel good and you will be able to have her in the palm of your hands all the time.
4) Make her the Center of your Universe
Treat her like she is the most important thing in your life. Of course she should be but you need to show her. Focus your attention on her and block out any distractions. This means a night out with the guys, a good looking waitress, sweet looking ride on the road or anything else that may grab your attention from her.
You want to make sure that you are giving her your full attention and making sure that she knows that she is the only thing that matters when you are together. Even when you are not together, let her know that you are thinking about her. Text her or give her a brief call from time to time. Let her know that you are always thinking of her and that you want to let her know that.
5) Flirting never hurts
Do not be afraid to flirt with her. This will make her feel sexy and good. You should never flirt with anyone else though. This will usually only make her mad and you may end up getting in a lot of trouble if you do this. Let her know that you are attracted to her.
6) STOP - Listen
Listening to a woman is going to get you far. If you are trying to win the heart of someone, you need to pay attention. Make sure that you listen to everything that she is saying and be sure to make eye contact with her. This will make her feel good and she will defiantly be attracted to you for this.
7) Take an Interest in Her Life
Women love men that take an interest in what they are doing and what they are feeling. Make sure that you are giving them a reason to want to hang out with them. Do the things that she likes to do and spend time getting to know her better. This is something that you will want to do so that she knows that you are interested in her and what she is doing in life. Ask her that her hobbies are and what she likes to do for fun.
8) Honesty IS the Best Policy
Women like men that are honest and sincere. Do not lie to her. This will only get you in trouble. You need to make sure that you are doing what you need to in order to keep the lines of communication open and never make anything up or lie to her. Give her a reason to trust you and never let her down in this way. You may never regain her trust if you do.
When you are serious about getting a woman to be attracted to you all of these techniques will help you. Use them to your best interest and take advantage of the things that you can and make sure that you are keeping all of your intentions good when you are trying to make a woman fall in love with you.
Cucan Pemo
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