A Guarantor is not a Surety and definitely not a Referee Let’s get this straight. A lot of people confuse these terms. Some even think they all mean the same thing. They don’t. When you stand as a Guarantor, you are giving the lender a promise that you will pay if the borrower fails to pay after all steps have been taken to recover the debt from the borrower first. The borrower must first default. The lender must first exhaust all means to get the borrower to pay. Only then can they come for you as the guarantor. But when you stand as a Surety, it’s more serious. A surety is like saying, “If this person doesn’t pay on the due date, come straight to me. No need to chase them first.” In other words, as a surety, you’re equally and immediately liable once there’s default. Now, let’s talk about Referees. Some people think being a guarantor is the same thing as being a referee. It’s not. A referee is simply someone who confirms that the person applying for a job, loan, or apartment is known to them and has good character. That’s all. A referee is not taking on any financial responsibility. A referee is not liable to pay any debt.They are just vouching for the person’s behaviour, not their ability to repay loans. So next time you’re asked to be a guarantor, surety, or referee understand exactly what you’re signing up for. One carries serious financial risk. One comes with immediate liability. The other? Just character reference. Be wise. Read before you sign. Don’t let friendship or emotions drag you into debt.

*STOP FORMING COMMITTEE OF FRIENDS FOR THE BURIAL OF YOUR FRIEND📌.* *👉 Form a committee of friends to help him get a job to do.* *👉 Form a committee of friends to help him establish his business.* *👉 Form a committee of friends to change his status for good.* *👉 How can your committee of friends raise 5-10million Naira for burial but cannot raise 500 thousand Naira to help a friend establish?.* *👉 Let's build ourselves as friends and brothers because a tree cannot make a forest...* GOD BLESS YOU AS YOU HELP A FRIEND AT THE POINT OF NEED....!!

Good night My Lovely People ❤️, Sweet Dreams to you all 💘

🎙Reece James' Full Pre-PSG/Club World Cup final Press Conference: 🔹Reece James: "We prepare as if we are playing another game. It's a final, but we prepare every game as if we want to win." 🔹Reece James: "This game is a super high level game. They are one of the hottest teams in the world. But this is a final and one-off game. I've been in many finals before where we've been favourites and haven't come out on top. I don't care [who are the favourites]." 🔹Reece James: "The biggest challenge is the circumstances. The travel, quality of the pitch, the climate is so hot." 🔹Reece James on Enzo Fernandez: "Enzo is an amazing player and person. He's come on so much since he arrived at Chelsea. He's a huge part of Chelsea and huge player for our team. He will play a huge part on Sunday." 🔹Reece James: "I wasn't injured. Let's put that to bed. Talking about our two midfielders, Moi and Enzo, two phenomenal players. They're up there with the best in the world. That will be displayed on Sunday. I wasn't feeling so good in the warm up [vs Palmeiras]. I've come a long way with my history. Would I have played? I probably could have. But if I looked back... I thought it was the best decision to not take unnecessary risks." 🔹Reece James: "If we win on Sunday, we would probably be the best on the day. We're striving to get there [to be the best in Europe and the world]. Whether one game decides that is probably up for you to decide." 🔹Reece James: "Stats, data and who is favourites, it doesn't mean anything to me or the team. It's two great, young sides playing against each other on the biggest stage. I believe we will go toe to toe." 🔹Reece James on Joao Pedro: "Joao is an amazing young player. I've played against him many times. I'm not sure how many knew his quality. He made his first start and scored two goals. His quality has opened a lot of peoples eyes. We're happy to have him." 🔹Reece James: “I’m sure the analyst team we have will be looking at the games where PSG haven’t done so well, and we’ll try and adapt to that” #CFC | #Chelsea | #FIFACWC | #Interviews 📲 @CFC_ChelseaFC

If God is good to you, Say Am blessed in the comment section

good evening all

Psalm 145:9 KJV‬ The LORD is good to all: And his tender mercies are over all his works.

Good evening all l hope you do well today in your business

Good settlement with inlaws

Let your thoughts be of good mind 👍👋👍

The weather is not children friendly at the moment. Here are some tips to guide you ✍🏼✍🏼 1. kindly cover your child(ren) properly, always monitor the weather in order to know which outfit suits the weather. 2. Give them multivitamins (vitamin C is a must) 3. Give them enough fruits, as this is the main source of multivitamins 4. Restrict them from taking cold water as room temperature or warm water is preferable. 5. This is not a good time to share cutleries with their siblings especially the ones with flu 6. Ensure they wear socks or bedroom slippers while at home 7. Don’t forget to put a sweatshirt in their school bags Incase the weather gets cold 8. If they have a terrible cough and cold and you’ve visited the clinic and nothing seem to be working, kindly blend ginger, garlic and lemon together( dont sieve with water) add honey to it and administer 5mls not for children below 18months🙏🏽 9. Ensure they towel cover up their body immediately after bathing 10. Ori (shea butter),body oil or vaseline is best for the weather at the moment 11. Don’t forget to pray for them, pray for good health 🙏🏽❤️❤️ Addendum when you notice flu on a child, kindly cut onion add a slice inside their socks let them wear it to bed.it eases the flu. This weather is not children friendly at the moment I hope this helps🌺

Life is good when you just eat right, lift heavy weights and rest properly🥳