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The co-signer enters an agreement to be responsible for the repayment of the loan if the borrower defaults.

  • The art direction is splendid, most likely the best of any film Scorsese has ever done. The acting is superb. I never thought Pesci would be able to top his dynamic performance in Raging Bull until I saw Casino. Every time I watch this picture I fall in love with it all over again. This is the most honest depiction of Las Vegas,  Missing: lottery ‎scheme.
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A lender will usually not go after the co-signer until the borrower defaults, but they can lawfully go after the co-signer at any time. It has been stated by finance companies that in the case of a default most co-signers actually pay off the loans that they have co-signed for including the legal and late fees that end up being tacked on.

If you do agree to co-sign on a loan for someone, you can request that the financial institution agrees that it will refrain from collecting from you unless the primary borrower defaults. Also, make sure that your liability is limited to the unpaid principal and not any late or legal fees. Upon co-signing you may have to brandish financial documents to the lender just as the primary borrower would have to. Co-signing for a loan gives you the same legal responsibility for the repayment of the debt as the borrower.

If there are late payments, this will affect your credit as well. If you are asked to co-sign for someone, you may want to provide another option and suggest that they get a secured credit card. This way, they can build up their own credit history and not open themselves up to the possibility of taking on a debt too large, placing themselves, and you, in financial danger. Be careful when signing up for a home equity loan or line of credit — the disclosed APR does not reflect the total fees that are associated with the loan, such as closing costs and others.

Do not forget to compare this cost, as well as the APR, across multiple lenders. The vast majority of home equity plans will utilize variable interest rates instead of fixed.

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A variable rate reflects the current prices of a publicly available index, like the prime rate, or the U. Treasury Bill rate, and the rate of your loan will oscillate accordingly.

Take caution — these rates can sometimes fluctuate unless it is stated that there is a fixed rate. Sometimes the lender will give you a great introductory rate that is variable and can change with time to a rate much higher than you originally agreed to. Since the rate is linked to an index rate, find out which one it is and how much their margin is. Some companies will have a cap on how much your rate can vary within a particular period of time.

With a second mortgage you will have a fixed amount of money that is repayable over a fixed period of time or is due in full at a given time. A home equity line of credit, on the other hand, is much more open-ended.

You have a line of credit that can be borrowed from as you wish, and generally has a variable rate as opposed to a fixed rate.

Pay attention to the fact then when the APR is calculated it takes into account the interest rate charged plus points, finance charges and other fees, whereas with a home equity line the APR is calculated with solely the periodic interest rate. Before you are charged any fees, the Truth in Lending Act requires that the lenders disclose to you all pertinent terms of the agreement: Generally you will receive these disclosures at the same time that you receive an application form and any additional disclosures promptly after.

If any of the terms change prior to the loan closing, the lender must return all fees that have been applied, should you choose to back out of the deal.

The finance charge is the total amount paid in exchange for the use of credit, which includes the interest rate, service charges and insurance premiums. We are working to update information daily.

Please keep checking our site for more updates.

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What are the possible implications if I co-sign for a loan? How can I ensure that I get the best possible rates on my loans? Is it better to get a home equity line of credit or a traditional second mortgage? What will the loan cost?

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When they work together, they create masterpieces. Is it "Goodfellas Part 2", in my opinion, no. Yes, it's very similar situations, but it's not the same plot. It's a little more gory and more bright. Actually that's true, it's not like it used to be.

I'm only 20, but my mom and dad told me how different the times were in the 60's and 70's. Everyone was more close and wanted to know who you were and how everything was going. Everything is more corporate greed now-a-days. But back onto the movie, it does have gangsta's in it, and with that comes some pretty gruesome violence.

No words can describe how wonderful of an actor he is. If you read in most of my comments, you can tell I'm a fan. This movie is actually what made me into a huge fan of his. He's dialog and image is very powerful and you understand his position.

You want to love him, even though technically he's a bad guy too, you still think he is so cool. A lot of people I talked too: What a performance, it deserved more praise. Joe as an actor is very remarkable. He's only 5' 6'', but he is so intimidating. His speech in the desert with Ace and the big confrontation. But you get past the vulgar language and just enjoy what Joe says and does. The head vice scene and the metal bat scene with Joe is two of the most disturbing scenes in cinematic history.

Sharon Stone, what can I say? What a remarkable performance! She was very much robbed of her deserved Oscar. I was reading in my "Rober DeNiro: A history of his films" that Sharon over shined both Joe's and Robert's performance. In some ways that is very true. She plays a gold-digging, druggie, drunk, hustling, whore. She is very glamorous in the film though, she is covered in beautiful gowns and jewelery that no guy could ever resist. Her first scene where Robert first sees her and she is stealing chips from a guy who has "hired" her for a night was extremely effective.

You can see why Ace fell so hard for her. What a terrific performance in the end. I will go to the police! I'm not protecting you anymore! You hate her character so much, you want her to get what's coming to her, that's what makes a terrific performance. When you actually want to make sure that this character gets the justice he or she deserves. Sharon, I apologize, you deserved more praise as well. One of the greatest living directors of our time. This film was very wonderfully made with great visuals.

The soundtrack really adds a lot, I'm telling you, and the theatrical trailer with the song "Gimme Shelter" by the Rolling Stones, what a great feel. Martin has been nominated several times for an Oscar, but they snub him. I think because his films are so violent and typical. But they remain classics. I'm disappointed with the Oscars, this man deserves more. Don't compare this to "Goodfellas", let it stand on it's own. But please, this is not a movie for children in any manor.

For the parents, this is a movie that should be on the wait until the later teens. It's very violent, we're talking a head in a vice, a beating with a metal bat just to name a few violent scenes, there's more drugs, sex, and very vulgar language. This is for adults only! It's a great movie that deserves very much to be on the top I'd like to see it in the top , but we'll see.

As a lifelong gambler who has crossed paths with a few fringe types portrayed in the film, I'm well aware of the story, the culture, and the ambiance of the Tangiers, the fictional casino placed in the control of Sam "Ace" Rothstein Robert Deniro. Rothstein is not a mob member, but a "moneymaker" for them because he's the nation's best sports handicapper. It was refreshing for a movie to finally show that not all gamblers are stupid, but instead one of those who takes advantage of the many who are.

Rothstein's partner in crime is Nicky Santoro Joe Pesci , who is far less convincing as a mobster than he would seem to like to believe. Sharon Stone plays the psychotic Ginger, a once-in-a-lifetime role in that it was the only time in my life I could bear to watch her on film.

The supporting cast is strong, led by James Woods and Don Rickles excellent in his dramatic capacity , and the movie is generally well-acted.

We are dedicated to offering you the support you need throughout the adoption process here in South Florida, and we offer a proven track record of three-plus decades of successfully matching South Florida birth mothers with loving adoptive families.

We can visit with you, face-to-face, at the location most comfortable to you. To learn more about our caring, confidential, local, community-based adoption services, visit www. One World Adoption Service helped my granddaughter make this process go smoothly. She carefully choose the family she wanted her child to go to. It was one of the dozen or so families. She decided on the family that was the right choice in her eyes. They had the means to give her child a life so deserved.

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Scorcese's normal supporting cast are also involved in this film, including his great mother - even though she usually has incredibly minimal roles, they are always memorable.

Scorcese seems to have several different directing styles, and Casino follows in the tradition of Goodfellas as a pseudo-documentary. A lot of the exposition is revealed by the characters themselves in the form of voice-overs, and several scenes are filmed in documentarian fashion.

The entire production however, is sleek and very quick. The use of music bears mentioning as well: Most Martin Scorcese films have an amazing soundtrack that adds to and enhances the scene. Scorcese doesn't just utilize the soundtrack, he makes it part of the storytelling - by the music, we chronologically know what time period we are witnessing, since one cannot rely on other factors, such as fashion alone.

One of my favorite scenes in film which effectively involves music is actually from Casino - the very intense scene when the relationship between DeNiro, Stone and Pesci come to a head in the climax of the film. The pounding music cut throughout this scene is a cover of "Satisfaction" by Devo and the result is absolutely brilliant.

Being a complete film geek, I generally don't go to films that feature certain stars, I go to films by certain directors and Scorcese is one of them. While this was probably the tenth time I'd seen this film there were more things I noticed, and I'm sure I'll notice more upon my eleventh viewing.

The man is a complete genius, and a gift to film - my suggestion is to watch some of his films, then check out his unbelievable series, "A Personal Journey with Martin Scorcese Through American Movies" which was done the same year as Casino.

The series is essentially a primer on the history of film, sectioned off by film genres. You not only will experience his amazing intellect and massive knowledge of film history, but his incredible humility as well. This is one of the best films of the 90's hands down. Without a doubt this has become one of my favorite movies. I'm not sure why really, I just love it. I think because I read the book and a lot of what happened in real life happened in my little town in Chicago.

No names, and my old boss who runs our town grocery store actually knew "Ace". That was always pretty cool to me, since my town really didn't have much excitement.

I guess also because I'm a huge fan of Martin, Robert, and Joe's. When they work together, they create masterpieces. Is it "Goodfellas Part 2", in my opinion, no. Yes, it's very similar situations, but it's not the same plot. It's a little more gory and more bright. Actually that's true, it's not like it used to be. I'm only 20, but my mom and dad told me how different the times were in the 60's and 70's. Everyone was more close and wanted to know who you were and how everything was going.

Everything is more corporate greed now-a-days. But back onto the movie, it does have gangsta's in it, and with that comes some pretty gruesome violence. No words can describe how wonderful of an actor he is. If you read in most of my comments, you can tell I'm a fan. This movie is actually what made me into a huge fan of his. He's dialog and image is very powerful and you understand his position. You want to love him, even though technically he's a bad guy too, you still think he is so cool.

A lot of people I talked too: What a performance, it deserved more praise. Joe as an actor is very remarkable. He's only 5' 6'', but he is so intimidating. His speech in the desert with Ace and the big confrontation.

But you get past the vulgar language and just enjoy what Joe says and does. The head vice scene and the metal bat scene with Joe is two of the most disturbing scenes in cinematic history.

Sharon Stone, what can I say? What a remarkable performance! She was very much robbed of her deserved Oscar. I was reading in my "Rober DeNiro: A history of his films" that Sharon over shined both Joe's and Robert's performance. In some ways that is very true. She plays a gold-digging, druggie, drunk, hustling, whore. She is very glamorous in the film though, she is covered in beautiful gowns and jewelery that no guy could ever resist. Her first scene where Robert first sees her and she is stealing chips from a guy who has "hired" her for a night was extremely effective.

You can see why Ace fell so hard for her. What a terrific performance in the end. I will go to the police! I'm not protecting you anymore!

You hate her character so much, you want her to get what's coming to her, that's what makes a terrific performance. When you actually want to make sure that this character gets the justice he or she deserves.

His son, Jeffrey Kasky, has been an adoption attorney in Florida since and has also handled or collaborated on thousands of adoptions. This leadership trio shares a passion for helping pregnant women in crisis find homes for their babies, helping couples who long for a child to complete their families, and most importantly, a safe, healthy placement for the children involved.

One World Adoption Services makes the process easier because everything and everyone needed are all in one place; there is no mediation needed between the agency and the adoption attorney. In Florida, there are no closed adoptions, and birth parents may have as much contact with their child for as long as they want. The child will grow up much happier knowing that his birth parents and adoptive parents get along and have his best interests at heart.

Call One World Adoption Services today to see how an adoption attorney in Florida can help you complete your family and bring home the child you long for. Our phones are always manned by compassionate and professional team members who are ready to answer your questions. We are dedicated to offering you the support you need throughout the adoption process here in South Florida, and we offer a proven track record of three-plus decades of successfully matching South Florida birth mothers with loving adoptive families.

We can visit with you, face-to-face, at the location most comfortable to you. To learn more about our caring, confidential, local, community-based adoption services, visit www. One World Adoption Service helped my granddaughter make this process go smoothly.

She carefully choose the family she wanted her child to go to. It was one of the dozen or so families.

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No names, and my old boss who runs our town grocery store actually knew "Ace". That was always pretty cool to me, since my town really didn't have much excitement. I guess also because I'm a huge fan of Martin, Robert, and Joe's. When they work together, they create masterpieces. Is it "Goodfellas Part 2", in my opinion, no. Yes, it's very similar situations, but it's not the same plot. It's a little more gory and more bright.

Actually that's true, it's not like it used to be. I'm only 20, but my mom and dad told me how different the times were in the 60's and 70's. Everyone was more close and wanted to know who you were and how everything was going. Everything is more corporate greed now-a-days. But back onto the movie, it does have gangsta's in it, and with that comes some pretty gruesome violence.

No words can describe how wonderful of an actor he is. If you read in most of my comments, you can tell I'm a fan. This movie is actually what made me into a huge fan of his. He's dialog and image is very powerful and you understand his position. You want to love him, even though technically he's a bad guy too, you still think he is so cool.

A lot of people I talked too: What a performance, it deserved more praise. Joe as an actor is very remarkable. He's only 5' 6'', but he is so intimidating. His speech in the desert with Ace and the big confrontation. But you get past the vulgar language and just enjoy what Joe says and does. The head vice scene and the metal bat scene with Joe is two of the most disturbing scenes in cinematic history. Sharon Stone, what can I say? What a remarkable performance! She was very much robbed of her deserved Oscar.

I was reading in my "Rober DeNiro: A history of his films" that Sharon over shined both Joe's and Robert's performance. In some ways that is very true. She plays a gold-digging, druggie, drunk, hustling, whore. She is very glamorous in the film though, she is covered in beautiful gowns and jewelery that no guy could ever resist. Her first scene where Robert first sees her and she is stealing chips from a guy who has "hired" her for a night was extremely effective.

You can see why Ace fell so hard for her. What a terrific performance in the end. I will go to the police! I'm not protecting you anymore! You hate her character so much, you want her to get what's coming to her, that's what makes a terrific performance.

When you actually want to make sure that this character gets the justice he or she deserves. Sharon, I apologize, you deserved more praise as well. One of the greatest living directors of our time. This film was very wonderfully made with great visuals. The soundtrack really adds a lot, I'm telling you, and the theatrical trailer with the song "Gimme Shelter" by the Rolling Stones, what a great feel.

Martin has been nominated several times for an Oscar, but they snub him. I think because his films are so violent and typical. But they remain classics. I'm disappointed with the Oscars, this man deserves more.

Don't compare this to "Goodfellas", let it stand on it's own. But please, this is not a movie for children in any manor. For the parents, this is a movie that should be on the wait until the later teens. It's very violent, we're talking a head in a vice, a beating with a metal bat just to name a few violent scenes, there's more drugs, sex, and very vulgar language.

This is for adults only! It's a great movie that deserves very much to be on the top I'd like to see it in the top , but we'll see. As a lifelong gambler who has crossed paths with a few fringe types portrayed in the film, I'm well aware of the story, the culture, and the ambiance of the Tangiers, the fictional casino placed in the control of Sam "Ace" Rothstein Robert Deniro.

Rothstein is not a mob member, but a "moneymaker" for them because he's the nation's best sports handicapper. It was refreshing for a movie to finally show that not all gamblers are stupid, but instead one of those who takes advantage of the many who are. The child will grow up much happier knowing that his birth parents and adoptive parents get along and have his best interests at heart. Call One World Adoption Services today to see how an adoption attorney in Florida can help you complete your family and bring home the child you long for.

Our phones are always manned by compassionate and professional team members who are ready to answer your questions. We are dedicated to offering you the support you need throughout the adoption process here in South Florida, and we offer a proven track record of three-plus decades of successfully matching South Florida birth mothers with loving adoptive families.

We can visit with you, face-to-face, at the location most comfortable to you. To learn more about our caring, confidential, local, community-based adoption services, visit www.

One World Adoption Service helped my granddaughter make this process go smoothly. She carefully choose the family she wanted her child to go to. It was one of the dozen or so families. She decided on the family that was the right choice in her eyes. They had the means to give her child a life so deserved. They were dealing with not being able to have children of there own. The team at One World strives to make a difficult situation go smoothly for all.

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