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NEW YORK – August 11, 2022 – (Newswire.com)
Maybe you know what it means to co-sign a loan. Perhaps you’re unfamiliar with the concept. If you know what co-signing means, you might sometimes think it’s appropriate to do that for a family member or friend.
However, before you start looking into the best personal loans with co-signers, you should think about the risks that go along with this course of action. We’ll talk about those right now.
What Does Co-Signing Mean?
If you co-sign for a loan, along with someone else, you have a binding legal obligation to repay that loan in full.
As a co-signer, you agree to pay back the loan’s entire amount if the person with whom you co-signed cannot do it. If they miss any payments, the lending entity will immediately turn to you and expect you to cover the money they are due.
Now, let’s go over why you might think twice before becoming a loan’s co-signer.
1. You’re Legally Liable for Missed Payments
We already mentioned the first and most crucial reason why co-signing for a loan can backfire. If the individual you co-signed the loan with can’t cover the agreed-upon monthly payments for any reason, you’ll have to come up with that money yourself.
If you don’t have ready funds to cover those payments, this situation can throw your life into turmoil. In the worst circumstances, you might have to move out of your house, sell your car, or do whatever else is necessary to produce the money.
2. You Can Ruin Your Credit History
You also risk a plummeting credit score if you co-sign for a loan and the other individual who took out the loan can’t make the payments. If you have the cash to cover those payments, your credit score will not be harmed. If you don’t have the money, though, your score can take a significant hit.
3. You Risk Debt Collector Harassment
If you co-sign for a loan, and the person with whom you got it can’t make the payments, the lending entity will turn to you for that money. If you can’t pay it promptly, they can turn the matter over to debt collectors.
You probably won’t like the experience of having debt collectors calling and emailing you incessantly until you can get the lending entity their money. The lender can even step up the legal action by suing you and garnishing your wages if you take too long to rectify the situation.
Consider Before Co-Signing for a Loan
Certain situations might arise when you’ll want to co-sign a loan, most likely for a family member or close friend. Think carefully before you do, though.
If the individual you co-signed the loan with can’t make the payments, you might get harassed by debt collectors until you produce that cash and give it to the lending entity. If you can’t get the lender that money quickly, that will negatively impact your credit score as well.
You’ll also have to undertake the responsibility of paying the lending entity whatever amount of money the other co-signer doesn’t have. Doing so can make your life difficult if you must dip into your savings, if you’re on a fixed income, or in similar situations.
Before you co-sign for a loan, make sure you trust the person with whom you’re co-signing. Understand that you’re on the hook for any missed payments if their fortunes change.
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Newswire.com
Original Source:
Credello: Here’s Why, According to Experts, You Should Think Twice Before Co-Signing a Loan
NEW YORK – August 11, 2022 – (Newswire.com)
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With children’s media consumption increasing ~30% during summertime, co-viewing with Kidoodle.TV® offers families the chance to actively engage and learn alongside each other.
CALGARY, Alberta – August 11, 2022 – (Newswire.com)
As warm summer months bring children out of the classrooms and in front of the television, children’s media consumption increases ~30%. This makes it more important than ever to know what they are watching. Co-viewing with Kidoodle.TV® offers families the chance to actively engage and learn alongside each other.
According to MediaSmarts, co-viewing creates media-savvy kids and encourages critical thinking during media consumption. “Co-viewing is so important as it helps parents see and hear what their children are engaging in and provides an opportunity for families to talk about the stories and situations that appear in their favorite shows,” said Neil Gruninger, President and Chief Product Officer at A Parent Media Co. Inc. (APMC).
Kidoodle.TV® (owned by A Parent Media Co. Inc.) encourages safe co-viewing habits for families. The practice helps improve communication, keeps children engaged and encourages critical thinking. Parents can feel confident knowing the content their kids are watching on Kidoodle.TV is age-appropriate, educational, and most importantly, that its top content is always vetted by real human beings.
Co-viewing is more than simply turning on a movie together — it’s the chance for parents to ask questions, quiz on educational concepts and encourage deeper engagement with the content.
Co-viewing can support early literacy skills, boost empathy, and help children learn how to regulate emotions. Similar to reading to children, co-viewing gives kids and parents the chance to learn together. In a study where parents applied active reading techniques to watching television, children scored higher on reading comprehension and vocabulary tests than kids who didn’t experience co-viewing.
“As parents and caregivers ourselves, we know kids get bored quickly in the summer, and we have built Kidoodle.TV as a go-to solution for when it’s too hot outside or families need a break. When we watch TV or movies with them, we can ask questions to help them think about what they see and learn,” added Gruninger.
Watch family favorites like “Paw Patrol: Pup Tales,” “SpongeBob SquarePants,” and “The Dodo” this summer on Kidoodle.TV.
Join the Kidoodle.TV Safe Streaming™ family on https://www.kidoodle.tv, watch from a connected TV, or download the app on a mobile device or tablet.
About APMC and Kidoodle.TV
A Parent Media Co. Inc. is a family-based media and technology company focused on providing innovative solutions to consumers and brands, including Kidoodle.TV®, Glitch+, and Safe Exchange Inc. Kidoodle.TV is a Safe Streaming™ service committed to providing children with a safe alternative to stream their favorite TV shows and movies. Available in over 160 countries and territories on thousands of connected devices, Kidoodle.TV provides peace of mind with every show* vetted by caring people committed to Safe and Free Streaming for Kids™. Kidoodle.TV is available on iOS, Android, Apple TV, Fire TV, LG, Samsung, VIDAA-enabled Hisense TVs, Chromecast, Roku, Vizio SmartCast Amazon, Jio, Xfinity X1, Connected TVs, HTML5 Web, and many other streaming media devices, including Miko 3. Kidoodle.TV is certified by the kidSAFE® Seal Program and is the proud recipient of the Mom’s Choice Award®, a Stevie® Award, platinum winner of the Best Mobile App Award, and Parents’ Picks Award – Best Elementary Products. Visit www.kidoodle.tv to learn more.
*Content availability varies by location.
Facebook: https://www.facebook.com/KidoodleTV
Twitter: twitter.com/kidoodleTV
Instagram: instagram.com/kidoodletv/
LinkedIn: linkedin.com/company/kidoodletv
Media Contact:
Contact | [email protected]
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Kidoodle.TV on Family Co-Viewing: The Key to Safe Media Consumption for Children
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