In one sentence, describe what the following article is about: You will be required to show proof of age when you pick up the keg. This must be government-issued identification, such as your driver’s license, non-driver ID card, military ID, or passport. You must be at least 21 years old to purchase alcohol in the United States. Anyone who accompanies you to pick up the keg, even if they are just in the car, will be required to show proof that they are 21 or older. If you are the person renting the keg and signing the form, you are the one who is responsible for what happens with the beer inside the keg. You are therefore responsible for making sure no minors drink the beer, and those who do drink the beer are also responsible in their behavior.  You are also responsible for ensuring that the keg and other items are returned in the same condition as when you rented them. Some places might require that you provide the address where the keg is going to, the approximate date and time of the beer’s consumption, and your vehicle’s license plate. The store will likely ask for the name of the person who will be returning the keg. This is partly to ensure that the keg is responsibly used and returned in a timely manner by someone 21 years of age or older. You will be charged a refundable deposit fee for the keg itself in addition to the charge for the actual beer.  The beer cost will vary depending on the type of beer, how much you are ordering, and where you’re located.  Bring a credit card with you. Even if you pay the fees in cash, you’ll need a credit card for the deposit, which will be charged additional fees if you do not return the keg. Keg deposits can range from approximately $30 to $75 or more. You may also be charged a nonrefundable keg cleaning fee. Beers like Budweiser, Miller and Coors are usually cheaper than microbrews, with Budweiser costing $100 for a full keg and other beers like Dogfish Head running about $225 for a full keg. Before you leave the store, ask for instructions on how to use the keg. You might be familiar, but it's a good idea to make sure you're clear on how to attach the tap and get the best quality beer from the keg. Kegs that are full of beer are heavy. A full keg weighs roughly 162 pounds. Use a dolly if possible, and have a friend help you lift the keg in and out of your vehicle. Kegs are usually only delivered to licensed establishments, not private residences.
Summary: Bring government-issued ID. Tell your friends to bring ID. Sign paperwork accepting responsibility for the keg. Give the name of the person returning the keg. Pay the deposits and pay for the beer. Ask for instructions. Be prepared for heavy lifting.

Problem: Article: If you own your car outright, then you can get an auto equity loan. Generally, you can borrow 100% of your car’s value, though this amount will differ depending on your credit history.  If you have not paid off your car loan, then the car is currently serving as collateral for that loan. However, you might have paid off some of your loan. In that situation, you can get a new loan for a higher amount, using the car as collateral. Keep in mind that cars depreciate in value, so if you end up having to sell the car, you may not have enough to pay off the loan. There are a couple types of secured loans you can get using your home as collateral, and there are many lenders willing to make these loans. Consider the following types:  Home equity loan. You get a loan for a fixed sum of money and repay it in equal monthly installments. If you do not repay per your agreement, the lender can foreclose. Generally, you can get a loan equal to 85% of the equity in your home. Home equity line of credit. A HELOC operates like a credit card. You borrow as much as you need, up to the limit set by your lender, and make payments on the amount you borrow. Typically, you can borrow up to 85% of the equity in your home. If you default, your lender can seize your home. Some banks extend loans to customers who have a savings account with them. Because the account secures the loan, you generally cannot access the account until you pay the loan back. You can also use a certificate of deposit as collateral for a bank loan. You can get a secured loan using all kinds of assets as collateral. Consider any personal property that has value and which you own, such as the following:  Watercraft Motorcycles Equipment  Furniture Computer If you have investments with a private bank or investment broker, then they may lend you money using your accounts as collateral. Often, you can get a loan up to the full amount of your account. Some banks will give you a “cash advance loan” or “salary advance loan” backed up by your future paychecks. Generally, these are short-term loans, due when you receive your next check.  Many lenders offer legitimate salary-advance loans. Do not confuse these with “payday” loans, which have sky high interest rates and are illegal in many states. Payday lenders tend to operate out of storefront offices, like pawn shops. By contrast, banks and credit unions offer salary-advance loans. Businesses can use many assets to secure a loan for their business. For example, a client might issue a large purchase order for product. To fulfill the order, you need to hire staff or make other investments. Banks will often lend against your assets, such as accounts receivable or inventory.
Summary:
Pledge your car as collateral. Use your home as collateral. Offer your savings account as collateral. Pledge personal property as collateral. Pledge stocks and other investments as collateral. Use future paychecks as collateral. Pledge business assets as collateral.