Summarize the following:
As soon as you learn about the loss, reach out to your friend and let her know you are aware of the situation and that you care. Your friend will be thankful that you acknowledged her pain. Use your level of closeness with the person to determine how you reach out. For example, if your best friend just lost a family member, it may be appropriate to immediately go over. However, if your coworker lost a spouse, it may be proper form to send an email or call the following day. Offer to come over and just sit with your friend. Many people find it hard to say the right things after a death or significant loss. However, to your friend, the most important thing is that you are present with her during this difficult time. If your friend cries, encourage her to express her emotions. Rub her back or pull her in close so that she can cry on your shoulder. There are many optimistic platitudes often shared with grievers that are intended to make them feel better. Sadly, most of these statements do nothing to help with mourning and may only enrage or upset mourners. Such statements include the following:  It was meant to be. He/she is in a better place. It could have been worse. I know how you feel. It was God's plan. As opposed to dishing out generalized statements about what the person is going through, aim to stick to the facts. Try to put yourself in your friend's shoes emotionally. How would you react to such a loss? How would you want to be comforted? Saying something truthful like "I am so shocked" or "I am here with you. I won't leave you." may effectively show your concern while not minimizing or generalizing the situation. Even if you have been through a similar situation, you can't compare grief or pretend that you know what the other person is going through. Before you go to see your grieving friend, clear off the rest of your day's calendar so that you can be fully present with her. Let your friend express their feelings in whatever helps. Try to understand and acknowledge what she is feeling. A response isn't required unless your friend asks a question. You can merely nod to show you are listening and sit in silence. Turn in her direction. Make eye contact. Squeeze her hand or rub her should when she struggles to speak.

summary: Express your sorrow or concern. Be a shoulder to lean on or cry on. Avoid cliches. Stick with the truth. Listen actively.


Summarize the following:
If you default on your payday loan and do not arrange an alternate payment plan with the lender, you can expect your credit score to take a hit. When a borrower defaults, the lender typically will sell the debt to a collection agency, which will report the unpaid loan to the three major credit bureaus.   In addition to reporting you to the credit bureaus, debt collection agencies are known for using aggressive methods to get payment for the loan, including calling you at home and work and calling your friends and family to ask for payment. If your credit score is damaged due to not paying a payday loan, you may find it difficult to get other loans and credit cards, even if you do end up paying the loan, because in most cases, the collection action will stay on your credit report for seven years. If you default on a payday loan, the lender has the option of suing you to collect the overdue amount. Once the lender has a court judgement against you for the amount due on the loan, he or she may seize your property (with the help of a law enforcement officer) and sell it to pay the balance of the loan. Unlike a loan that is secured with specific property, a judgement for a debt can be satisfied out of any property you own at the time the judgment is received, or property that you later acquire.   In most states, judgments are good for ten years, so if a payday lender has a judgment against you, he or she could seize any property you acquire within ten years of the judgment, as long as the loan has not been paid. Even though a payday lender can sue you civilly to collect the balance of the loan, failing to pay a payday loan is not a crime. While some collectors threaten borrowers with criminal action, you cannot be sent to jail unless you intentionally took out the loan not planning to pay it back. If you are threatened with arrest for not paying a payday loan, contact a lawyer immediately. The longer you go without paying your payday loan, the more you will owe the lender. Because lenders often charge large interest rates (up to 600% annually) and fees for nonpayment, you could easily find yourself owing over $1,000 on a $250 loan you took out 4 months ago.  Some states have rules related to how much interest a payday lender can charge, however, other states, such as Texas, allow payday lenders to charge unlimited interest and fees for nonpayment.

summary: Acknowledge the credit consequences. Prepare to be sued in civil court. Expect to pay extra interest and fees.


Summarize the following:
Not everyone who plays strip poker should have to be a supermodel. Just be kind and recognize that the other players are putting themselves out there and shouldn't be judged or insulted for the way they look. Some games among adults can turn into something more, but most just involve just a little loss of modesty. If a sexual situation does arise, make sure everyone is happy with that, or keep the game platonic. Make sure everyone is playing because they are having fun, and don't force anyone to stay who doesn't want to. If something happens to ruin the good vibe, cut your losses and let everyone go home. If you are at a game of strip poker with your romantic partner or a friend you may be attracted to, watching other people see that person naked can spark some unhappy feelings. Keep these instincts in check—getting petty or angry is the fastest way to ruin the game for everyone. A little flirtation is expected, but coming on too strong will be a big turn-off to everyone.
summary: Don't be rude or judgmental about other players' bodies. Don't assume going in that strip poker will turn sexual—or won't. Stop the game if someone gets upset. Don't get jealous or territorial. Don't sexualize or objectify other players. Play your best poker!