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There are many occasions that come in a person’s life. All these occasions hold special meanings for the person and their loved ones and are every one of them are celebrated in a different way with a unique idea and theme. It can be a graduation ceremony, a birthday, engagement, wedding or bridal shower and even birth of a baby. All these celebrations are important and are meaningful for the people. These events are celebrated with themes, parties and with family and friends mostly. Usually people include little gifts for the families and friends who are visiting and these gifts are wrapped in beautiful bomboniere boxes.

Bomboniere boxesare available in different shapes, sizes and colors. They are made keeping in mind the different occasions and celebrations. Bomboniere boxesfor wedding will be completely different as compared to the boxes for a graduation party. These boxes can pack exclusive gifts, candies and sweets for the guests at the parties. They can be made in colorful yet creative ideas and can also be customized to suit the style and the theme of the party.

To align with the event businesses and online stores have a variety of options for different and exclusive Bomboniere boxes. For example for birthdays there are beautifully decorated boxes for boys and girls. Apart from that you can get specific themes that include Spiderman, Superman, Cinderella, Princess, Dora and many others. Winnie the Pooh is always a popular theme amongst kids and their Bomboniere boxescan be used for both boys and girls.

Many people buy ready to pack Bomboniere boxesthese are simple cardboard boxes that can be folded into a square or a triangle shape. They are available in silver, gold or plain solid colors of black, beige, green, blue, pink, red etc. Some online stores will be able to provide them with printed material and you can find creative and exclusive designs that will go match with your occasion’s specific design theme.

For a graduation ceremony the Bomboniere boxescan include personalized messages with wishes. The wedding Bomboniere boxesare also customized to incorporate dates, initials of the couple or a personalized thank you message from the bride and groom.

Bomboniere boxesare chosen keeping in mind the budgets and the themes of the events. There is a huge collection available for the ones watching out for their budgets. These include fancy cloth Bomboniere boxes, cardboard, plastic and even paper.The expensive ones include boxes made of porcelain, wood or glass. Traditionally for a wedding the Bomboniere boxeswould include a satin cloth and five Jordanian Almonds that were sugared and white in color. These five almonds included five wishes for the bride and the groom. Progressively people choose to include not only almonds but also sweets, candy or even an assortment of chocolate.

The creative Bomboniere boxes are also available. These include classy and elegantly shaped tier cakes, hearts, wedding bells, balloon shaped, wine glasses, wooden boxes, and many others. A lot of these online stores provide consultancies and ideas to the people who are looking for exclusive Bomboniere boxes.

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With the housing-market crash and resulting economic downturn, hundreds of thousands of Americans currently find themselves in significant amounts of debt. To meet the demand for help from struggling consumers, some private companies offer debt management counseling, debt consolidation and debt management plans, also called DMPs. However, such programs and services cannot offer the same benefits as good, old-fashioned bankruptcy. Be sure to look at these programs with careful scrutiny and examine all the facts.

Debt management and consolidation

DMPs are very popular and consist of budgets and plans as to how the debtors will pay their way out of debt within the next three to five years. A DMP is created after a debtor and a counselor complete a comprehensive review of the debtor’s financial situation, which includes analyzing the debtor’s assets, debts, income and expenses.

A counselor may also work with creditors to reduce or eliminate the debtor’s interest payments so payments go toward principal instead of interest. While analyzing your finances and establishing a budget is always a smart move, a DMP will have little to no positive impact on a credit score. In fact, if you miss a payment your credit may continue to suffer. And, interest continues to accrue without any sort of legal order (i.e., bankruptcy) in the mix.

Debt consolidation generally involves a loan that combines all of one’s debts into one lump sum with a lower interest rate. The lower rate results in a lower monthly interest rate, but what is not advertised up front is that the lower rate is in exchange for a longer loan term. The longer loan term means more of a chance of missing a payment and dinging your credit again. So while the monthly payment is reduced, the debtor ends up paying more overall to pay off the full loan amount. And, again, interest and fees can be accruing the entire time. Not to mention, a lot of the money you pay in at the beginning does nothing to resolve the debt but only pays the company for its services.

Nine times out of ten, six months into a debt consolidation or settlement program, debtors get extremely frustrated and turn to bankruptcy at that point. But, at that point, you have lost another six months. Make a smart, economical and time-effective choice the first time and you can get to rebuilding your credit and moving on much faster.

Bankruptcy

Bankruptcy is a much better approach to improving your credit score and it comes in two forms. A Chapter 7 bankruptcy prevents creditors and debt collectors from harassing the debtor and allows for a discharge of nearly all credit card and medical debt. A Chapter 13 bankruptcy also prevents creditor harassment, but sets up a three to five year debt repayment plan. The choice between the two depends on the debtor’s individual financial situation.

A Chapter 13 bankruptcy filing will usually stay on a consumer’s credit report for seven years, while a Chapter 7 bankruptcy filing generally remains there for up to 10 years. Though a bankruptcy will remain on the debtor’s credit report, bankruptcy gives control back to the debtor by wiping the slate clean (mostly) of debt and allowing him or her to rebuild credit. The debtor will not be constantly dragging old bills and accounts with him or her in the attempt to improve his or her credit score. Bankruptcy truly is a fresh start.

If you or a loved one is suffering under the pressure of debt, contact an experienced bankruptcy attorney to discuss your financial situation and the benefits of filing Chapter 7 or Chapter 13 bankruptcy. Despite the claims of debt management and consolidation companies, bankruptcy is likely your best option to start anew.

Article provided by Trepeck Bane PC
Visit us at www.chicagodebtsolutions.com

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What is the meaning of a co-signer?

He/she is as an individual who:

>>Signs the loan contract with the borrower;
>>Is obligated to repay the loan if the borrower does not make payments;
>>Has the joint liability for making regular payments; and
>>Has no right to the vehicle.

How is a co-signer different from a co-applicant?

A co-applicant(co-borrower) assumes the same responsibility as a co-signer but he/she enjoys the benefit of ownership. A co-applicant has right to the car.

Who needs a co-signer?

Car buyers who do not have a strong credit application require a co-signer because he/she ensures the lender of regular payments and reduces the lender’s risk. So, a co-signer is often considered a boon by following people because he/she helps them in securing quick finance:

>>Young car buyers with no credit history
>>People with terrible credit score
>>People with low income
>>Car buyers with short employment history
>>Car buyers with repossession or bankruptcy in the past

Is a co-signer needed for a “joint car loan”?

A car loan is considered a “joint car loan” if the following applicants are involved:

1. A primary borrower
2. A co-applicant or aco-borrower

If both the applicants have credit issues or any other financial problem, lenders make co-signing compulsory.

Who is eligible to become a co-signer?

Usually, parents co-sign car loans for their children. It is for this reason many people believe that the only criterion for becoming a co-signer is to be the relative of the borrower. But, it is a myth. Following are the criteria for becoming a co-signer:

Preparedness to Co-Sign

Many people will be ready to inform the lenders about their willingness to become your co-signer. But, just an informal promise or a verbal agreement is not enough to become a co-signer. So, ensure that your co-signer is prepared to sign the loan contract and is willing to assume the responsibility of your car loan.

Good Credit Score

A co-signer is required to have a good credit score. He/she must pay bills on time and have an experience of obtaining a variety of debts such as mortgage loans, credit card debts, personal loans, etc.

Usually, lenders require a co-signer to have a credit history of at least five years. So, make sure that you check the prospective co-signer’s credit history before talking to the lender.

Ability to Repay the Loan

Lenders don’t allow anyone to become a co-signer. A person can co-sign your loan contract if he/shecan repay the loan. Your co-signer needs to submit the financial documents to the lenders so that they can check his/her financial situation:

1. Bank statements
2. Property details
3. Ongoing loan information
4. Pay-stubs
5. IT returns (if the co-signer is self-employed)

Employment and Residential Stability

If your co-signer switches jobs frequently, lenders will consider his/her employment status unstable and reject your loan application. It is because lenders want a co-signer to have a stable employment.

Also, lenders require a co-signer to have a stable residence history. It is ideal if your prospective co-signer is residing at the same address for at least two years.

So, these are the criteria for becoming a co-signer. If your lender has asked to bring a co-signer, don’t forget to use them. It will help you in choosing the right co-signer for your car loan.

Don’t worry if you cannot find a co-signer. Car Destination provides special first-time car buyer program to help young auto buyers. To apply with the company, simply submit your auto loan request and the company will provide you with low rate car financing program.

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