In one sentence, describe what the following article is about: How much did you loan out? When do you expect the borrower to pay you back? If multiple payments will be made, agree on specific dates for the payments. Especially if you're lending money to a friend or family member, it may seem a little extortionate to charge interest. But there are several good reasons why you may want to charge the person you're giving money to a little bit of interest:  If you're giving away money without interest, you're losing money. You're losing purchasing power (the ability to buy and invest with the money you're lending) and inflation is outstripping your money. If you charge someone interest, the borrower may be more likely to pay you back quicker than had you not. Think about it: Interest lasts as long as the life of the loan, so if the borrower holds on to the money longer, they'll end up paying more interest. Don't charge more than 15% or 20%. In fact, interest rates above 15% or 20% might not even be allowed under predatory lending laws. So keep the interest rate at something manageable and both parties will be happy. Include your signature along with your legal name. Have them put down a signature along with a legal name. Although a witness does not make or break the IOU, it's helpful if you ever need to go to court. A witness might be able to prove a binding verbal contract took place.
Summary: Include the date and the amount being borrowed, or the amount agreed on for the service or product. Include a due date for return of the funds. Include how much interest you will charge. Sign the document yourself. Make sure the other party signs the document. If possible, have a witness (optional).

Don't be pushy.  Deciding whether or not to buy a horse is a big decision.  Your parents will likely need time to think it over.  Show them you can be patient. Take the extra time to prepare yourself and continue to study. Do your best in school.  Finish all your chores. Stay out of trouble. Show your parents you can handle responsibility and are ready for more. Continue working with horses. Gain all the experience you can. Show your parents how passionate you are about working with horses. Even if your parents end up saying no, thank them for their consideration.  If you handle the disappointment well, they'll be more likely to change their mind later.  Don't blame them.  Say "I completely respect your decision.  I realize owning a horse is a huge commitment.  I'm still passionate about horses and I hope someday I can prove to you that I do deserve the honor of owning one." Understand that they may not currently have the means to support a horse. Don't give up.  Keep trying to convince them that you can handle horse ownership.
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One-sentence summary -- Give your parents time to consider. Follow through on other responsibilities. Continue to show commitment to horses. Act mature.

Q: Many individuals who are having trouble paying their mortgage attempt to negotiate a Loan Modification Agreement with their lender. Such an agreement reduces their monthly mortgage payment. If the person staying on the mortgage qualifies financially, the Loan Modification Agreement can be written to remove your name from the mortgage. The person seeking loan modification should submit an application with documents reflecting their financial situation. Similar to applying for a refinancing or new loan, the lender will expect the person to show they can afford the monthly payment alone. However, as it is a modification, the person must also show a financial situation that justifies lowering the monthly payment. If the lender approves the loan modification, it will send a Loan Modification Agreement with the terms of the new loan. The payment on the agreement should be lower than the original mortgage. The attorney will make sure it is drafted properly and that it takes your name off the mortgage. The attorney can also ensure you are no longer listed on the county’s property records.
A: Contact your lender to see if it will negotiate a Loan Modification Agreement that removes your name. Apply for loan modification. Receive approval of loan modification. Enlist the services of an attorney to review the agreement.

Problem: Article: Tease some clay from your central ball to the back to create a tail. A thick base connecting your tail to its body will create sturdiness in the finished product. Avoid making your tail too long, as this can crack during backing or harden in a way that is brittle and delicate. Push down slightly on the base of your tail to give the effect that the tail is coming out from between the dragon's legs, and not from the top of your clay ball, which will eventually turn into the back of your dragon. Wings can be tricky, and while learning the basics of sculpting you may want to keep your wings thick and small. Create your wings by pulling some clay from either side of the top of your clay ball. If you find that you need more clay, knead a small piece and use your thumb to blend the new clay with that of your clay ball, and then work this clay into the simple shape of a wing on both sides.  Thick wings will keep the clay from cracking there when you bake it and will result in a sturdier sculpture. The wings, being such a delicate part of the sculpture, are the most fragile and breakable part of the dragon. Exercise care while forming these. Your dragon may be a hornless variety, but if you had planned on making a horned dragon, take a small amount of surplus clay and knead it in your hands. Then, shape two cones for your horns and lightly press each into the head of your dragon. Use a little water to dampen the base of your cones. This can help keep your horns in place. It's likely that your clay ball is still mostly round at this point, with limbs, head, tail, wings, and horns attached. However, the bodies of dragons are usually more elongated and oval in shape. Press gently on the rounded sides of your clay ball to squish the circular shape into a longer oval one. At this stage, your dragon should be mostly formed, but you should consider using a little extra clay and your knitting needles to add a ridge along the back of your dragon. This can be done by:  Kneading some extra clay. Pulling off little pieces. Rolling tiny cones, damping the base of the cones, and pressing the cones along the spine of the dragon. Adding a contour line with your knitting needles to either side of the spine. Dragons, in most mythologies, have bat-like wings. These often come to a point at the highest point and have some bones dividing the wings into parts or sections. Using your finest knitting needle, you should carefully:  Trace a line along the inside of the outer boundary of your wing. Add lines from the top of the wing to the bottom of the wing, splitting each into regular sections. Avoid thinning your wings too much or applying too much pressure. Thin clay cracks easily when baked or after being baked, and even well formed wings will be delicate. The small size of this amateur model will limit the amount of detail you are adding unless you have a very steady hand and very precise needles. However, you should be able to use your knitting needles to gently carve out the shape of two eyes and a mouth line around the outer rim of your triangular head.
Summary:
Add a tail. Create wings for your dragon. Shape and affix your horns, if desired. Elongate the body of the dragon, if necessary. Detail the body. Give features to your wings. Give your dragon a face.