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All You Need to Consider Before Co-Signing a Personal Loan Application




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The beauty of debt is, it gets you covered with the instant fund. There is a lot of advancement done in the financial market. Everything is now online and a lot better. If you need a loan instantly, you get it within few hours. Minimal documentation and online processing have made the experience a fulfilling one. For all the unplanned expenses, you have only one answer- A personal loan. An instant personal loan is very flexible and you can customize it according to your needs. Pretty much affordable and quick, you get funds without visiting the loan provider. However, things are easy and smooth when you have a good financial record. A good credit record with an impressive score is necessary to experience the benefits of a personal loan. When all the doors have closed, the last thing is getting a co-signer or a loan guarantor. To help a friend, if you are being a ci- signer it means you are paying someone else’s debt if he is not making the payment. The personal loan provider offers your friend a loan, only because you legally sign to pay off the loan if he doesn’t. Your friend or family, whoever you are helping is a risky candidate having a bad credit score. Are you willing to take all the risk? Before you go ahead, pay attention to all the aspects.

Who is a co-signer? 

A loan is granted only when a person meets all the personal loan eligibility criteria. The normal and most common ones are credit score, income, age, background, and documents. If an individual is not meeting any of these and still needs a loan- he needs a co-signer. A co-signer will take care of his loan in his absence. If he is not able to pay the loan, as a co-signer you will have to pay. You are being a loan guarantor and if he becomes a default, you are responsible for the repayment. The loan is indirectly yours, and the responsibility is directly yours. You are likely to be a co-signer only if it is your family or friends. However this is very risky and you need to know every aspect before you sign.

Things to consider before you become a co-signer

Credit score will be impacted: Take an example; you become a co-signer of your friends that has just taken a loan. You helped him get a loan because he was not getting one. You got it because your score and background were good. Now, suppose he fails to pay an installment or an EMI, you cannot relax because it will affect your score directly. When you are co-signing the loan is directly on you too. So, if the first individual is failing to pay his EMI, your credit score will get impacted. What you will do is, ask him to pay on time or make the payment. If you feel that it is his personal loan only and his score will be affected, this is wrong. You are co-signing and taking equal responsibility, so your score gets impacted.

Level of debt increases

If you co-sign for a loan from your friend, your debt increases. The moment you co-sign, the debt gets added to your account too. Without enjoying the money, you will have debt liability with you. So if you were having an ongoing debt already, this will add on. Debt means a lot of burdens, and you keep adding on new burdens by co-signing a loan. It will be equal to you having a debt. In the future, when your banks will review your credit journey, this loan will be equally taken into consideration. If it was a bad experience, that will get reflected too. Your level of debt increases once you co-sign a loan for your friends or family.

Savings might suffer

If you are helping your friend or family, make sure they help you back. If they are not making an on-time payment, you need to suffer. The hard-earned money and you saved with difficulty, suffers too. If your friend is not being able to pay the entire amount of the loan, you will have to pay even if you don’t like it. It is because the loan provider will find you, and make sure you pay.

Repayment responsibility

If your friend or family defaults, you will have to take up the repayment responsibility. It will be on you completely to finish off the debt within the said tenure. What can be more hurdle than paying someone else’s debt? The idea is, if you are being a co-signer; make sure it is worth it.

Wrapping up

Co-signing is a great responsibility. Considering the factors above you need to make the right decision. You can surely help someone get an instant personal loan if he doesn’t meet the personal loan eligibility, but be careful. It should not come on you and destroy the relationship and money what you have built for years.


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What Are The Top 5 Protein Powders On The Market?




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Nowadays, people have become more health-conscious than ever – credits to bad food habits, adulterated foods, or even Covid forced Quarantines especially the youth. Everyone wants to burn their fat completely and put on muscle packs. But one should note that when it comes to muscle gain or getting healthier, around seventy percent depends on the nutritional diet, twenty percent on your workout and exercise whereas only ten percent on supplements – you often look for.

So this specific blog will focus on the supplement aspect of overall nutrition. To proceed further, one thing should be noted that – no supplement would work in its proper form if you don’t make a good or healthier diet.

Having said that, Whey protein powders are the most rated and popular nutritional supplements among athletes, youth, and fitness enthusiasts. They have the highest share in the market among its competitors as it’s considered a safe supplement. The primary reason for this might be that they contain just the dairy product which is obtained from the milk. The best thing about them is that they contain all 9 essential amino acids which make them a bioproduct with no side effects.

There comes 3-4 different varieties of Whey Protein as per their purposes and constituents. The most preferred quality of Whey Protein product is – Shark raw whey Protein. Some of the varieties available in the market are:

  • Whey Protein Isolate
  • Whey Protein Hydrolysate
  • Whey Protein Concentrate

Why and When Should you take Shark Nutrition Supplements?

Well, that might be a question each and every person asks himself when starts with the workout and exercises.

Actually, when we talk about proteins – one can get it through many of the natural sources, such as Eggs, Meat, Grams, Oats, Peanuts, Almonds, Milk, Spinach, Soyabean chunks/milk, etc. But the problem is all these foods lack one or the other essential amino acid and don’t have the full quantity of what our body requires. Since amino acids are the components that act as a building block for the proteins and help to break the protein in our body to transfer the parts to our muscles. One can opt for food as a protein source but can’t be totally reliant on the foods and require Whey Protein. Whey Proteins can be consumed before or after the workouts so as to help you pump your muscles even if you have a hard workout session. As Whey Proteins are easy to digest and get soluble in our blood within 30 minutes of consumption, it gives a lot of energy to our body and help in the workouts and hence, gain muscles.

So let’s see what are the best 5 Shark Nutrition Whey Proteins available in the market currently?

  • Shark Casein Protein Powder

It is an extremely popular protein as a pre-bedtime snack, as it digests slowly and continuously feeds your muscles – the essential amino acids over a course of few hours, supporting a longer duration anabolic state and also prevent muscle protein breakdown.

It comes in vanilla and chocolate-like milkshake flavors.

  • Nutrition ISO 100

This Product by Shark, which is one of the well-reputed brands in the fitness and supplement industry. This product contains 100% whey isolate that has been hydrolyzed, the hydrolyzed whey digests more quickly than ordinary whey concentrates and isolates. Also, it comes in different flavors which include gourmet chocolate, gourmet vanilla, smooth banana, cream, cookies, and gourmet pina colada.

It offers 25 g of protein per serving, 5.5 grams of BCAAs, and contains fat and carbohydrate equal to almost none. It comes in various packing in different sizes.

  • Syntha-6 Isolate

It is one of the top-rated isolate whey proteins available in the market, for years.  The best thing about this product is its ratio of fast and slow-release proteins for a moderate release of amino acids, because of which it’s often considered as a meal replacement too.

It can easily be mixed with water and tastes immensely good. The product comes in a variety of flavors such as chocolate milkshake, vanilla ice cream, peanut butter cookie, and even strawberry.

  • Gold Standard Whey

We’re talking about the top 5 rated proteins and how can we not include: Gold Standard Whey Nutrition. It is by far the top-rated, top-selling, and most preferred protein supplement of all. It has got a variety of good stuff in it as it offers 24 g of protein per serving, 5.5 g of BCAAs, 4 g of Glutamine Glutamic acid. The Gold standard is considered as the purest of its king whey protein. The product gets mixed completely in water which helps in the faster absorption of protein and not letting you feel bloated. It comes in multiple flavors like milk chocolate, strawberry, vanilla, and Double rich chocolate.

  • Stacked Plant Protein

This product lives up to its name as it’s not just a great source of protein since it provides a robust pea and rice protein blend, along with – 4 grams of BCAAs, 1 billion CFU probiotic blend, and a kale and spinach greens blend. It’s a certified vegan product, is gluten-free, sucralose-free, and consists of non-GMO ingredients. These ingredients make the best blend to make a much faster absorbing protein and help in better muscle growth before and after workouts, and even quicker recovery from muscle cramps.

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Lorraine Chen 和 Specter Ecommerce :揭穿 10 個觀念

Abbax khan



Lorraine Chen 和 Specter Ecommerce :揭穿 10 個觀念
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Lorraine Chen 。Specter Ecommerce 。代發貨課程。他們聽起來很熟悉嗎?如果你是一位有抱負的企業家或想要開展線上業務的人,你可能線上上搜索中遇到過這些名字中的任何一個。


為你簡要介紹一下背景,Specter Ecommerce 是一家線上課程提供商,提供由 Lorraine Chen 創建的直運課程。


隨著許多騙局線上課程在互聯線上激增,人們也將其視為一種課程是正常的。正如預期的那樣,Specter Ecommerce 也不能免於被包含在同一類別中。




這些原因使一些人不相信像 Specter Ecommerce 這樣的線上課程提供商。

我們如何揭穿這些誤解?它肯定會幫助改變你對 Lorraine Chen、Specter Ecommerce 和他們的 代發貨課程的看法。讓我們一一駁斥這些觀念:


1 – Lorraine Chen 是個騙人的嗎

正如我們所知,Lorraine Chen 是這個偉大的電子商務代發貨課程背後的女性,她希望教別人如何線上賺錢,享受經濟獨立,並成為自己的老闆。 由於這些願望,她很高興與任何有興趣開展代發貨業務的人分享她的知識和專業知識。


白手起家的成功創業家Lorraine Chen 不會追著你的錢。 相反,她會教你如何:

  • 戰略性地推廣你的業務以賺取七位數銷售額的商店


  • 為你提供代發貨供應商


  • 指導你選擇合適的產品進行銷售,這些產品可以在 30 天內產生 10,000.00 美元的銷售額。


  • 設計你的商店


  • 為你的代發貨店帶來流量


2 – Specter Ecommerce 是騙人的嗎

當線上課程創建者被識別為欺詐時,他或她所代表的公司也被識別為欺詐。 聽起來合乎邏輯。


但是,Specter Ecommerce 是一家合法的線上課程提供商。 它是線上課程的代發貨。 代發貨課程專為教導有抱負的企業家如何成為合法的代發商而設計。


Specter Ecommerce直代發貨課程將向你展示如何:

  • 找到一款熱銷的產品,每天賺取超過 500 美元。
  • 通過設置你的代發貨店,在 11 分鐘內完成銷售。
  • 無需花太多錢即可使用 Facebook 廣告獲得客戶
  • 在 30 天或更短的時間內獲得 10,000 美元的月收入


3 – Specter Ecommerce 代發貨課程定價過高


大學和線上課程提供商提供的課程費用大不相同。考慮一下 Specter Ecommerce 代發貨課程在大學環境中的費用,你會看到很大的不同。大學課程顯然比 Specter Ecommerce 代發貨課程貴得多。


參加 Specter Ecommerce 代發貨課程的兩個優勢是,你可以在自己舒適的家中上課,而且你不必像在學校一樣等待數年才能完成電子商務代發貨課程大學。




學生還可以隨時更新他們的知識,因為即使在他們完成課程之後,Specter Ecommerce 也可以訪問他們的學習材料。當你加入課程時,你還將獲得各種免費贈品或獎金。誰能拒絕贈品和獎金,對吧?


Specter Ecommerce 確保你不會為無用的課程付費。代發貨課程的錢值得你花時間和金錢。


4 – Specter Ecommerce 代發貨課程是獨家的


Specter Ecommerce  歡迎所有人,無論年齡、教育背景或職業地位如何。不管你是家庭主婦還是老人,只要你準備好學習和努力。


再次,Lorraine Chen 旨在幫助任何想要學習代發貨並從中賺錢的人。


5 – Specter Ecommerce 代發貨課程沒有什麼特別之處


每個線上課程都是獨一無二的,因為它試圖提高你在某個領域的技能。 Specter Ecommerce 將在我們的代發貨課程中教你有關代發貨的所有知識。


6 – 你將不會從 Specter Ecommerce 代發貨課程中學到任何東西








第 1 週:介紹和心態



  • 詳細介紹商業模式,幫助一個完整的初學者快速取得成果。


  • 全面了解如何賺錢。


  • 代發貨基礎知識的複習。


第 2 週:選擇利基


  • 為你找到完美的利基市場,以及如何確保它是你喜歡的東西。


  • Lorraine的利基選擇工具清單。


  • 你現在可以使用企業家每天使用的相同流程。


第 3 週:產品


  • 確定最好的產品,以實現快速、有利的銷售。


  • 了解內幕資源以找到沒有其他人銷售的產品,因此你始終處於領先地位。


  • 學習一種與批發商接洽的獨特方式,以獲得更高的利潤率,從而獲得更高的利潤。


  • REFINED 產品選擇清單。


  • 經過考驗的產品選擇流程。


第 4 週:商店


  • “3個動向”店面設計。 這使你可以在每次銷售中多賺 30%。


  • 即使你以前從未使用過網站或線上商店,也可以在幾分鐘內創建一個線上商店。


  • 一份清單,準確地概述了你的商店需要什麼以及你必須消除什麼。


第 5 週:廣告


  • 了解如何花最少的錢(每天只需美元)以獲得最大的投資回報率。


  • 設置超便宜的廣告並擴展到每天 1000 個。


  • 推動產生銷售的正確流量


第 6 週:規模


  • 你現在擁有整個系統和基礎。


  • 無數初學者將他們的商店超過 10k/月大關的例子


  • 將你每天 50-100 美元的投資報酬率活動變成 1000 美元的演練


第 7 至 10 週 – 精英系列賽


Lorraine 將教你如何在代發貨業務中賺大錢並與不同的人群合作。 Specter Ecommerce 將教你如何將你的網站變成賺錢機器。


7 – Specter Ecommerce 代發貨課程是有時間限制的


儘管這是一個為期 10 週的課程,但學生可以按照自己的節奏自由學習。沒有人有義務與班上其他人同時學習。該課程涵蓋了從代發貨的基礎知識到高級技術的所有內容,這對於新手來說可能是壓倒性的。學生有足夠的時間來完全理解課程。


8 – Specter Ecommerce 代發貨課程不能讓你變得富有


是的,不能保證 Specter Ecommerce 代發貨課程會幫助某人賺很多錢。畢竟,這不是一個快速致富的計劃。 代發貨與任何其他職業一樣,需要堅持不懈和努力工作才能取得成功。成功並不意味著突然變得富有。


9 – Specter Ecommerce  Dropshipping 正面評論和推薦是假的


Specter Ecommerce 代發貨課程獲得瞭如此多的好評,因此很自然地認為這是一個騙局。對於不信的人,沒有什麼可以做的。那些已經從 Specter Ecommerce 代發貨中受益的人可以見證它對他們成功的事實。






10 – 教練和導師不關心他們的學生


Specter Ecommerce 代發貨課程的特別之處在於他們的教練和導師非常關心。




你還可以加入 Specter Ecommerce  Facebook 社群,分享你的意見和經驗。通過他們的線上網絡,你還可以與了解代發貨行業的其他人建立聯繫。這是結識願意分享代發貨知識和經驗的新人和業務合作夥伴的絕佳方式。


Specter Ecommerce 導師和教練總是樂於提供幫助。你可以感受到他們的支持,因為你可以與他們實時交談並且他們會迅速做出回應。




只要 Specter  Ecommerce 繼續正確地教育消費者有關代發貨的工作,我們就會始終看到良好的評級。不管我們怎麼看,總會有懷疑者、懷疑者和批評者。畢竟,每個人都有發表自己觀點的權利。


跟著Lorraine Chen Facebook, Instagram, Wechat & Line.

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