Cosigner for Auto Loan – What you need to know before signing the Contract

Many a times while you are looking at your car loan contract, you may come across the term ‘cosigner’. A cosigner can be anyone. He/she can be someone from your family or your group of friends. Basically, a cosigner is someone who guarantees that if you cannot pay back the loan, they will be legally responsible to pay back the debt.

Key Requirements:

There are a few requirements which are essential if you plan to get a cosigner for your loan.

1. Mutual Consent

The cosigner must be willing to sign the contract and pledge that he/she will pay the due amount as per the agreement, in case you are not able to make the payments. The guarantee is always taken in writing and the lender will not accept a verbal commitment.

2. Proof of an Income Source

At the time of signing the contract, proper evidence of sufficient income must be provided. If your cosigner is employed with an organization, he/she will have to provide his pay-stubs. If he/she is self- employed, then income tax return slips will become necessary. In case of failing to provide the proof of an income source, the lender may disapprove your loan application.

3. Stability

Sometimes, potential lenders may dig deep to cross check your cosigner’s stability. They might want to check the cosigner’s reputation in the community along with his/her work tenure with the employer. They consider the cosigner as a part of your ‘team’ while approving the loan.

The Risk Factor

Apart from the requirements, you must consider the following risks before involving a cosigner:

>>The major risk is the risk of financial setback to the cosigner. By agreeing to lend you a helping hand, the cosigner risks lowering his/her own credit score.

>>The lender will sue the cosigner if he/she fails to repay the loan. So, it is advisable to pay off the loan on your own and not depend entirely on the cosigner.

>>A cosigner cannot shy away from his/her responsibility after signing the contract. Hence, he/she is liable for your auto loan. It might lead to disagreements between you and the cosigner.

In the end, it is a personal decision to opt for a cosigner. The agreement between you and your cosigner must be clear from the beginning. It will ensure that there is no scope for confusion in the future. Remember a mature car buyer will not make others liable for his/her expenses and make monthly payments responsibly.

Everything You Need To Know About Teeth Whitening

It can make your face radiate and glow while you impress with a big smile sure to catch people’s eyes. Basically, having white teeth can have you looking and feeling great.

There are lots of different products on the market for this purpose, and there are equally as many different methods to try when whitening teeth. You may be wondering which ones work best, or you may be concerned about some of the health risks associated with teeth whitening.

That’s why we have created this handy guide to the most popular and common methods of teeth whitening you are likely to come across. Keep in mind that every product is different, and if you have any doubt about a particular teeth whitening product or procedure, it’s always best to consult your cosmetic dentist.

Teeth Whitening Chewing Gum

Even chewing gum has proposed teeth whitening effects these days, and you have probably already seen it sitting at the counters of newsagencies and supermarkets. The advantage of this product is that it’s cheap, and there are no known side effects or hazards. Unfortunately, the disadvantage is that the results are minimal. You could chew gum all day and it still probably wouldn’t have as big an effect you would like.

Verdict – Cheap and enjoyable, but only minor real-world results.

Teeth Whitening Toothpaste

There are plenty of kinds of toothpasteout there offering teeth whitening properties for a relatively low price and while doing something that you would have to do anyway. There are no adverse health effects over regular toothpaste, and they are readily available.

If your teeth are in relatively good condition you may even see some slight benefits as long as you keep using the product. However, this is no substitute for some of the more extensive teeth whitening treatments available, and much like the gum, the real-world results are only minor.

Verdict – No harm done, slight results in good case scenarios but not a substitute for more extensive treatment. – According to

Teeth Whitening Kits

There are many different products on the market that allow you to perform your own teeth whitening. As you probably already know, they vary in price and quality so it has to be considered on a case by case basis. However, there are a few general considerations that can be applied to a broad number of products.

If the quality of the product is good, you are likely to see some results. While not many are as effective as a professional treatment, you can still achieve whiter teeth for much less money than with a cosmetic dentist. Of course, the cheaper products can be downright dangerous, so really do your research here.

Most use a gel, lasers or bright lights and a mouthguard when using this treatment. The disadvantages here are that the product may not fit or suit your mouth, such as in the case of a mouthguard. There’s also the potential for temporary discomfort if liquids get onto your gums or human error causes misuse.

Verdict – Results vary greatly from product to product, may be some temporary discomfort but still can achieve results and for less than the price of paying a professional

Professional Teeth Whitening

Using a dentist or teeth whitening professional will likely deliver the best results when it comes to teeth whitening. The results are typically long-lasting and you should be in safe hands when you opt for this service.

However, with that in mind, not all teeth whitening companies have stringent requirements and you do not need to be a dentist to perform teeth whitening. It’s worthwhile using discretion when you pay someone to whiten your teeth.

The chemical used by dentists can be quite harsh and may cause at least some temporary discomfort. Excessive treatments can also wear down your teeth, which is not pleasant at all. Naturally, these services are often the most expensive option too.

Verdict – The most effective but also the most expensive. Buyer discretion is still highly advisable.

Australian Test Cricket Champion Mike Hussey

Mike Hussey is a former Australian test cricket player. His nickname is Mr Cricket. He was placed at world’s top ranked ODI batsman in 2006. He scored 15,313 runs in first class for Western Australia. He bagged the ICC One Day International player of the year award in 2006 and also he was named in ICC World XI. In T20 World Cup 2010 semi final match against Pakistan he made a stunned performance with a innings of 60 runs off 24 balls. In the same year he played for the CSK and won the Championship league title. He was taken by Chennai Super Kings in the year 2011 of IPL for Dollar 425,000 at the auctions. In 2012 he scored 89 against India in Boxing Day Test. He hit 3 centuries, two against SA and 1 against Sri Lanka.

Hussey played test series during the Australian summer 2010/2011 season he hit century against South Africa and 272 partnerships with Clarke. In 2011, tour in test series he was awarded as the MOM award. He played for all Ashes Test matches in 2009 in England and scored 276 runs in just 8 innings. In his first 2012 test match he scored unbeaten 150 runs and also he scored 344 run partnerships with Michael Clarke. During Warne Muralidaran Trophy he scored 6 test centuries with 133 in 249 balls against Sri Lanka. Mike Hussey profile was impressed by all the young Australian cricketers and he bagged many Man of the match award in test series. In April 2006 Hussey set a record to reach 1000 runs and also he was placed at the top 10 rank in LG ICC Cricket Rankings. He was taken by Chennai Super Kings in the year 2011 of IPL for Dollar 425,000 at the auctions.

He played totally 79 Tests including 6235, 19 hundreds and 29 50′s, 185 ODI, 38 T20Is, 273 First class with 331 highest scores, 381 List A and 91 Twenty20 matches. Hussey is a left hand batsman and right arm medium bowler. In 2013 IPL match he played for CSK and scored 6 won the match by 4 wickets with just 1 ball remaining. He played for Western Australia against Tasmania in List A Ryobi One-Day Cup 2013 but unfortunately his team lost this match. During the Frank Worrell Trophy 2005 season he played for Australia against West Indies and Australia won the match by 379 runs. Ponting scored century including 149. He announced his retirement in 2012 after the Boxing Day Test match.