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:
The first list is the people you absolutely want to invite. This could be family members, close friends, or other special people. The second is your back-up list. This is the list of people you would like to invite but don’t have space or the budget for. If a person from the first list declines, invite a person from the back-up list. Assume that approximately 20 percent of your invited guests will not be able to attend. Make sure that you have at least this number on your back-up list. This will help you maximize the number of guests who can come to your wedding. Before you send the invitations out, make sure that you are not inviting any more people than your absolute maximum. When you cut guests, go from the lowest priority guests (colleagues, distant family members, family friends you might not know) up to the highest. You don't want to send out last minute invites. Make sure that you send out your first round of invitations early enough so that you can send out a second round later. A good guideline is to send your first invitations three months before the wedding and the second set six to eight weeks before the wedding.  This second round of invites should have its own RSVP date. If you are getting married in a small venue, you may find yourself struggling to fit all of your dear friends onto the list. You may consider having a separate guest list for the reception. Explain to your friends that you would love to have them at the wedding but that you are limited with space.  A good way to explain it is: “Our venue is so small that we cannot invite everyone we want to the wedding, but we would still love it if you could celebrate with us. You are welcome to join us at the reception.” If you have a destination wedding, you may choose to have a reception in your hometown. You can invite all of the friends that could not attend the wedding to this celebration.

summary: Write two lists. Edit it down. Establish a date when the backup guests will be invited. Consider inviting people to the reception only.


Summarize the following:
Most Japanese people dress fairly similarly to westerners so you won’t have to worry about buying specific clothes for your trip. However, Japanese culture places a slightly higher premium on professional attire in public places than exists in the west. Err towards packing and wearing your nicer clothing.  Adult men generally don’t wear shorts in Japan, even in hotter weather.  Expectations for women to dress modestly are slightly higher in Japan than in the west. Japanese women usually cover their shoulders and avoid form-fitting clothes. However, this expectation is less present in major cities like Tokyo.  Flip-flops are not commonly worn in public in Japan. It won’t be considered rude but you may get strange looks. Body language signals are more intentional and universally understood in Japan than in most western cultures. A subtle nod, smile or placement of your hands can drastically change the meaning of your words. While Japanese people used to dealing with westerners will understand if you haven’t totally mastered these signals, there are some body language signals that could be considered rude.  Try to keep your back straight at all times. Slouching while sitting or leaning against a wall while standing is considered rude and dismissive of your companions.  Don’t keep your hands in your pockets during a conversation. Point with your hand, not your finger. Pointing with a finger can be considered as an insult or even a threat. Japanese people are very conscientious about spreading germs. This is especially true in major cities like Tokyo because a lot of public places are very crowded and contagious illness can spread easily.  Don’t blow your nose in public places. Find a bathroom instead. Cough into the crook of your arm rather than your hand so you cover more of your mouth. If you have a cold, wearing a surgical mask so you don’t get others sick is considered polite. Japanese people generally like to leave a bit more space between them during conversations. Try to leave enough space so that if both conversants were to bow at the same time, there would be no risk of bumping heads. Touching is generally discouraged and can be perceived as overly familiar or aggressive. This includes common and benign western actions like patting someone’s shoulder. Bowing is the most common form of nonverbal communication. While bowing conventions are fairly elaborate, using two types of bows should suffice for a visitor.  A deep bow is often used when apologizing or meeting someone of a higher station. Keep your legs and back straight and bend at the waist. Bend far enough so that your face is pointing toward the floor and hold the position for at least 2 full seconds before returning to the upright position.  You should definitely perform a deep bow for an employer or anyone you deem to be particularly prestigious. Anyone that is substantially older than you is considered to be of higher station as well.  A smaller bow is considered, to some extent, the equivalent of a handshake. Keep your legs and back straight and bend at the waist and return to your starting position quickly. It is proper for meeting people of similar age or station.
summary: Dress properly. Mind your body language. Avoid spreading germs. Keep some distance. Learn to bow properly.