Month: July 2017

Hold the Mayo

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The first time it dawned on me there were two distinct camps regarding mayonnaise was one afternoon at a restaurant. I was having lunch with a good friend, and she was interrogating the waitress about the chicken salad plate, asking her, “This doesn’t have any of that horrible Miracle Whip, does it?” The waitress assured her it was pure mayo that held those little morsels together. My friend seemed relieved and ordered it, but I ordered something else. I am in the Miracle Whip camp, and I make no apologies.

I admit I come by it honestly. I grew up in a Miracle Whip household, and I inherited my mother’s dislike for mayonnaise. early. To this day, I buy only MW and so does my sister. But mayo holds top honors in the condiment world, at least in the U.S., tied only with ketchup in popularity, and a must-have on millions of sandwiches daily, as well as in salads and sauces. Some fanatics even put it on french fries.

As a child, I frequently asked my mother why some sandwiches or salads tasted “gross” until I understood that MW had a distinctly different flavor than traditional mayo, which, in my opinion, has no flavor at all. (Please, no hate mail). When it finally clicked in my young mind, and I understood the difference, it was MW all the way from then on.

But let’s travel back in time to learn about mayo, and the French passion that started it all. The creation of mayonnaise is credited to the chef of Duke de Richelieu in 1756. While the Duke was defeating the British at Port Mahon in Menorca, Spain, his chef was whipping up a special victory feast that included a unique sauce made with eggs and cream, staples of French cuisine. Some food historians insist that the Spanish pioneered the rich spread, but it seems more likely that the French did the honors. Word of mouth (and taste buds) traveled across the pond, and Americans quickly embraced the creamy madness. Many residents of French heritage, not to mention chefs searching for new frontiers, introduced it in New York City, and we know that by 1838, the popular restaurant Delmonico’s in Manhattan offered mayonnaise in a variety of dishes. Gourmets were hooked.

Soon chefs were dreaming up different ways to use the wildly popular spread, especially in salads. In 1896, the famous Waldorf salad, made its debut to rave reviews at a charity ball at the Waldorf Hotel, chock full of apple pieces, celery, walnuts and grapes, all held together by that creamy mayo, and diners couldn’t get enough.

As refrigeration blossomed at the turn of the century, hundreds of food manufacturers raced to get their version of mayo in the shops. One such manufacturer was Hellmann’s, a New York City brand which designed wide mouth jars that could accommodate large spoons and scoops, and they soon began to dominate the sector. Mayonnaise, which had heretofore been considered a luxury, was fast becoming a household staple and taking its place at the dinner tables in millions of homes. Many professional chefs and homemakers made their own versions, but jars of the popular condiment were featured prominently on grocery store shelves.

Enter Miracle Whip, created in 1933 by the Chicago-based Kraft Foods Company. It made its debut during the Depression as a cheaper alternative to mayo, and while it does contain the key ingredients of mayonnaise (egg, soybean oil, vinegar, water), it deviates from the standard of mayo with a sweet, spicy flavor that many folks preferred and still do, but is required to label itself as “salad dressing” rather than mayo.

So whether you are a straight mayonnaise user, a renegade Miracle Whip aficionado, or you are frequently heard to state “hold the mayo”, there’s no getting around this wildly popular condiment, and we can thank the French gourmands once again for this creation.

The Benefits Of Getting A Personal Loan

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A personal loan is usually not secured. It means collateral does not need to be provided by you when you borrow. The loan is offered to you by the lender on the basis of your credit and qualifiers. You can easily get the approval of loan, if you have a good credit. A lower interest rate can also be offered to you. Visit a financial institution or search online to get a personal loan.

Here is a list of some of the benefits of such a loan:

  • Lower interest rate – If you have good credit, then personal loans with lower interest rates can be availed by you. Around 15% APR on a credit card balance is paid by the people with lower credit card balance. But if you have good credit, you have to pay only 6% APR. While making a big purchase, it is considered as a big difference.
  • Use for many purchases – Your cash can be used by you for making any purchase. A loan of this type can be used even for purchasing a vehicle, starting a business or renovating your house. Restrictions may be placed by other types of loans on the usage of fund. But the conditions of using a personal loan are flexible and can be used for any purchase.
  • Consolidate debt – High interest debt can be consolidated by using a personal loan. Several smaller debts with high interest such as credit cards and student loans can be paid off by using a larger loan. Money on interest can be saved if you consolidate your debt by using this loan. Your debt repayment plan can be managed in a better way by combing several loans in one place.
  • Smooth your cash flow – Your cash flow can be smoothness by using a personal loan. A personal line of credit can be got by you, by using your personal loans. You have to pay a low interest rate in this alternate way of use. An emergency fund doesn’t need to be raised for future. The borrowed amount can be repaid by accessing your line of credit.
  • Boost your credit score – Your credit score is counted depending on your different types of accounts. One type of credit is represented by credit cards. In this case, you can use your credit score to handle your loans. Your score can be boosted slightly by adding installment loans in your credit report.

Thus, save a huge amount on all your purchases by using a personal loan. Always remember to compare different loans before borrowing any sum.

Curate and Control Your Online Reputation

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Shakespeare, in Act 2 of his circa 1603 play Othello, said it best: Reputation, reputation, reputation. It is the original personal brand and one of the defining realities of our lives. For Solopreneur consultants and other self-employed professionals, reputation governs the number and quality of projects made available to us and therefore, reputation impacts our income and the kind of life we’re able to live. It pays, in more ways than one, to cultivate a peerless reputation and guard it vigorously.

In the internet age that is especially so, in both the personal and professional sectors. Mistakes and mischaracterizations made in digital formats are extremely difficult to dodge, ignore, deny, or correct. One’s online reputation is the ultimate flypaper. Take steps to ensure that what sticks to your name is all good.

Images

Along with Facebook, Twitter and YouTube, Instagram and Pinterest are the sites where images of you are most likely to be posted, by yourself and others. When cameras are around, meaning whenever anyone has a cell phone, which is about 24/7, make sure that your behavior represents you and your brand well.

There’s nothing wrong with being photographed in an obviously casual gathering. Just make sure that you (or others) are not in the midst of activities that could be misconstrued and reflect poorly on you sometime in the future. If you regularly appear in photos that you know or suspect will be posted to social media sites, counteract with a photo of your own that shows you at work, paid or volunteer. Balance your accounts, so to speak, and show that there is more to you than non-stop partying.

Content

Create and regularly post original content that makes you look smart, professional and successful. On your LinkedIn account, announce when you will attend a symposium, serve on a panel, teach a course or workshop and definitely broadcast the good news if you’ve recently earned a professional certification or advanced degree.

If you’ve presented a webinar, request the replay and turn it into a podcast for your website and YouTube. If you write a newsletter or blog, link it to your website and LinkedIn. If you’re on Twitter or Instagram, produce streams of high-quality feed and images that convey the competencies and values that you want to be known for.

Twitter, Instagram and Facebook can feature glimpses into your personal life as well and it could all be for the good, as long as you are strategic about what is revealed. Your volunteer work is always a safe bet. Training for a marathon or even a fun and casual volleyball or softball league would be excellent. Your parent’s wedding anniversary party would make another good personal aspect to include in your online narrative. Be aware that narrative is the operative word. Create the story that you want to be told, in a manner that makes you look wonderful.

Search

About every three months, search your name and your company name in engines such as Bing, Google and Yahoo and see what comes up in the first 50 listings. Are you happy with what you see? Try keywords related to your business along with your city and check your professional reach in a more profound way.

If you find that your business has been reviewed in a negative and inaccurate way, contact the reviewing site and request that the offending post be removed. If customers have offered criticism that just may be constructive, address the matter. Apologize and offer your side of the story. Make amends if possible. By doing so, you’ll add to your credibility and customer service reputation.

It’s been reported that 70% of U.S. employment recruiters have rejected potential job candidates when something about them that was considered unsavory appeared on social media. Solopreneurs should assume that prospective clients will do the same. Maintaining and monitoring your online reputation has never been more important.

Personal Loan and Its Different Advantages

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A personal loan is an unsecured loan which is offered to a consumer for catering their various personal needs such as the renovation of a house, marriage, home appliances, buy vehicle amid others. This is offered after verifying one’s ability of paying especially the income source and also according to their credit history. A nominal processing fee will be charged and the sum as per a person’s paying ability will get credited to their account. In fact the loan payment is made via fixed installments which also includes interest and for fixed time periods. The icing on the cake is these days personal loans are a smart choice as one do not require going through a lot of formalities and tedious paperwork. Most of the financial institutions and banks offer personal loans today and the rate of interest is also quite reasonable.

Discover the different benefits

• Available easily- to get a personal loan is no longer a challenging affair. It is offered by almost all financial institutions and banks at a reasonable rate of interest. Compared to other loans it is convenient and easy to get

• No middleman or agent involved- for availing a personal loan one will not require taking the help of an agent or a middleman. This will avoid unnecessary expenses and delays. A person can approach the financial institution or bank for the purpose directly

• Unsecured loan- this is indeed an unsecured loan. Here no collateral security is needed for availing the loan. In fact, all that is needed is one’s ability of paying back the money.

• Less processing time- because it is accessible devoid of any guarantee or security the processing time needed to get this is naturally less compared to other loans

• All purpose loans- in this form of loan it is not compulsory for a person in specifying the reason for which they will be using the money.

• Minimum paperwork- to get a loan will not need any asset verification or other forms of certificates and proofs which include ample paperwork as none of one’s property is mortgaged

• Offers and schemes- different financial institutions and banks keep announcing offers and special schemes on personal loans, especially for the professionals such as architects, doctors, chartered accountants and the like

• Amount and tenure- these loans generally are provided varying from Rs 15000 to Rs 20 lakhs differing from one bank to another. The repayment can be made through EMIs

The bottom line is, rather than borrowing money from a credit card it is always better to choose a personal loan as the rate of interest is comparatively lower. So reap its utmost benefits.

Please Pass the Mustard

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Who doesn’t love mustard, be it yellow or brown, on a hot dog, a sandwich, or even blended into a casserole, salad dressing or appetizer. We love our condiments, and, second only to ketchup, no one loves mustard more than Americans. It’s practically a national institution (alongside the hot dog). During the St. Louis World’s Fair in 1904, a small company named French’s introduced their yellow mustard on hotdogs, and the popularity exploded.

There are more than 40 species of mustard plants, with their seeds each offering a slightly different flavor and color to create many varieties of mustards. Add other flavorful ingredients, like cranberries, horseradish, hot peppers or honey, and the condiment aficionado could have a veritable cupboard full of delightful mustards to try.

In the Bible, the mustard seed is used in the book of Matthew as a parable, where Jesus teaches that one need only have the faith of a (lowly) mustard seed to move mountains. For Christians, it has been a symbol of faith since the New Testament.

The actual condiment, in some form, dates back to the early Romans, when it was ground from seeds and mixed with juice into a paste, similar to the prepared mustards we use today. The name is derived from “mustum” (from the Latin meaning “burning must” which was the practice of using the juice of young grapes to form a paste). Mustard as a spice was popular in Europe long before the ancient Asian spice trade, and grape-loving Romans planted it in their vineyards alongside the grapevines. The country of France embraced it when many brothers in French monasteries cultivated, prepared and sold mustard as early as the ninth century and can be traced back to shops in Paris in the 13th century.

Two enterprising Frenchmen by the names of Maurice Grey and Antoine Poupon created one of the most popular mustards in the world, Grey Poupon Dijon, in the 1770’s. They discovered that by adding white wine to their private recipe, a totally different and pleasant flavor emerged. Their original store still exists in the town of Dijon. Who can forget the classic TV commercial where two limousines pull up next to each other, and a very proper and obviously wealthy passenger calls out the window inquiring if the other limo has any Grey Poupon on board.

Across the pond, in 1866, a Brit named Jeremiah Colman, founder of the recognizable brand of Colman’s Mustard of England, was appointed as the official mustard maker to Queen Victoria. Colman pioneered the same grinding technique used today, which pulverizes seeds into a fine powder in a way that protects the escape of the flavorful oils. In many British pubs, a crock of spicy mustard can be seen on each table, which, when placing a small amount on one’s tongue, is purported to create a thirst prior to ordering one’s favorite ale or beer.

Even Pope John XII was such a fan of mustard that, like Queen Victoria, he appointed a young man as the Grand Mustard Maker to the Pope. It just happened to be the Pope’s nephew, who was a resident of the Dijon region in France.

Like so many other words in the English language, mustard has other unrelated meanings, such as “cutting the mustard” or “mustard gas,” a lethal weapon during WWI and WWII. In Ireland, referring to someone as “mustard” can mean ill-tempered.

Regardless of your preferences (make mine Grey Poupon, please) there are hundreds of mustards to choose from. If you just can’t get enough, you can visit the National Mustard Museum in Middleton, Wisconsin, where more than 5,500 mustards are on display, and you can sample many of them at the tasting bar. And of course there are hundreds of beloved mustards on sale, so you won’t leave empty-handed.

How Will You Improve Your Business Through Website Marketing Strategies?

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Marketing these days is getting firm. The competition in today’s market is vicious, it’s kind of hard to find new customers. As known, you cannot grow your business without proper website marketing strategies. To bring new customers as well as viewers to your business website and connect with you at the same time, you need to go create proper website marketing strategies.

Here are few of the marketing strategies to improve your Business

1. INCREASE YOUR POPULARITY THROUGH SOCIAL MEDIA

To increase your fanbase, you need to create a business profile over social media like Facebook, Twitter, Instagram and Pinterest. This means, you should not restrict yourself only promoting your business or your brand. Social media also gives customers the connection to ask questions. They can directly get help regarding their trouble, or just have a conversation with you! Social Media directly gives you the platform to widespread your business through different staging. If someone likes or joins your Facebook page, it means mostly the valid customers are joining as the common Friend circle will suggest your page. You can also post interesting contents or simply ask questions. Above all else, it’s important to make sure that fans know how much you value them. After all, where would you be without your customers?

2. USE SEARCH ENGINE MARKETING AND OPTIMIZATION

To bring new customers as well as get shoppers, your sites need to be relevant to search engines. Search Engine Optimization (SEO) and Marketing helps to bring up your site on a list of search engines results. You need to have strong SEO strategy to get the apt keywords that will enlist your services. This helps you to garner the possibility to be one of the famous brand names.

3. MANAGE A BLOG

Content marketing is another good strategy of marketing to potential customers. To maintain the blog on your business site, you need to keep few things in mind. while posting the content, make sure you are writing something which is related to your business. You need to search for proper keywords and optimize your search engine strategy. The blog means that you can share bits of your information as well as offer advice. This is also another platform where you directly get connected to your customers. You can also make guides or e-book to promote your business. Though it might take a bit of time, it is pretty profitable. After it is properly carried out, content marketing makes your customers interested in your quality. This will help you in holding your customers.

4. UTILIZE E-MAIL MARKETING

E-mail marketing is one of the ways to increase your patrons that seem to last. It is just not about sending e-mails. You need to garner the specific needs of every person. You need to provide a personal approach that convinces your client to collaborate with you. You can send periodic emails on new products or sales which can drive your customers back. You can also manage to get subscribers that will allow them to get updated. Send emails once in a while so that they don’t forget you.

By following the above ways or strategies, you can surely build up a platform for your business. With these concrete website marketing strategies, you can take your business to a new level.

How to Live a Healthy Lifestyle While Having Fun

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Eat Vegetables

There are so many great vegetables out there that I love! If you are someone who doesn’t like veggies get creative and make the veggies fun that you eat. Some of my very favorite veggies are banana squash, sweet potatoes, corn on the cob, broccoli & asparagus. All these vegetables are so yummy and can be used in cooking in many different ways. The key is to find some vegetables that you enjoy and use them in fun ways that your family will enjoy.

Find Physical Activities You Enjoy

Finding physical activities that you enjoy is key to living a healthy lifestyle while enjoying it. When it comes to physical activities I love to try new things. It’s so exciting when you find an activity that you enjoy that you have never tried before.

A couple years ago my husband wanted me to try mountain biking up a canyon that is close by our house. I was a little nervous as I had never done anything like that before. However, after trying it I realized how much I loved it. There is something about being up in the mountains & going for a ride.

Another thing that I really enjoy is hiking up in the mountains with my husband. This past summer we made it a goal to try a new hike every week. It was so fun to discover new places we had never seen before while exercising.

If you aren’t one for nature or don’t live near mountains, another thing I have grown to love is running. There is nothing I love or cherish more than the night runs I have with my husband where we have some one on one time to talk about life while enjoying some exercise.

When it comes to physical exercise you just need to find what makes you happy and do it. If you are enjoying what you do you will be more likely to get out and exercise than if you don’t.

Have an Idea of How Many Calories You Are Taking In

Another way to live a healthy lifestyle is to count calories. Now I’m not saying go to extremes counting calories everyday. But you need to have a good idea how many calories you are taking in each day so you don’t over eat. There are many ways to make counting macros easy and many helpful sites on the web that can teach you how to do so.

What You Need To Know Before Looking For A Business Hotel

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Whether you are traveling for business or are looking for a place to host a professional conference, finding the right business hotel can be tricky. With a lot at stake, you want to be certain you contract with a professional, competent and reputable hotel. Fortunately, there are some tell-tale signs of what constitutes stellar accommodations. Take a look at the following guide to help you locate the right hotel for your needs:

Seek out experienced staff

Hosting a business meeting in a hotel setting requires the employment of a competent and professional staff. From the concierge to the manager, to the chef, it all matters, as these people can make or break your event. With quality employees, you can rest assured that they will fill in the gaps in which you may lack experience. From large matters like seating arrangements and reservation help to technological assistance with PowerPoint and surround sound, to the small matters of having refreshments, it is important that your event run smoothly. And an experienced staff at a business hotel can make that happen.

If you are simply searching for accommodations while on a business trip, then the staff still matters. With a top-notch concierge, you can relax while the employees manage your logistical needs. It is stressful enough staying away from home. An unprofessional and rude staff can only add to that stress.

Don’t ignore the amenities

Most people believe it is unnecessary to consider any luxury item at a business hotel when traveling. This is a tragic belief! Just because you are tending to work-related matters does not mean you should not enjoy your stay. In fact, when working, luxury should be a priority. A good swimming pool and/or workout gym can help relieve stress and help you maintain your mental and physical sanity, which is an ever-growing need for many professionals. If you are unsure as to what amenities the hotel offers, you should call the front desk or concierge. And do not be afraid to ask.

If you are hosting a business event, this may be even more important, with many employees traveling to your conference. Choosing respectable accommodations indicates an adherence to quality and luxury and reflects well on your company.

Track online promotions

Many hotels and inns offer some fantastic deals, especially for the frequent traveler. In order to take advantage of these deals, you should never neglect your online searches. Signing up to be added to an email list is a terrific way to keep in touch and monitor periodic deals. And again, when in doubt, call the hotel personally and inquire after any specials they may offer.

Try not to neglect the location

While you may not always have a say over which location you are to travel, a business hotel should still be in a beautiful setting, if possible. This is especially true for those companies hosting work conferences. Find a unique town by looking at the tourist attractions. With beautiful scenery, unique restaurants and fun shopping excursions, you can transition your conference to one many people choose to frequent for years to come.

Solution for Business Growth – Networking

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Interacting with influential people in parties, and collecting their visiting cards is just a touch point. Capitalizing your business on this network is totally a different ball game.

It requires due diligence and dedication over the years to build a relationship for a solid network. Once you have done it becomes a derivative to your success.

Networking should not be a temporary activity, it has to be an ongoing process, even when you are not at your desk. Aspiring business leaders have to learn the strategic networking technique for rapid business growth.

Primary reasons for networking

Why is it desirable to build a network with influential people and business groups of your domain?

· Immediate access to all service providers and vendors

· Quick response rate for contract base hiring

· Full extension to peers help

· Never face an issue of work crisis

· Referrals from the third party

· Updates on the latest trends and technology related to your business.

· Share ideas with similar business groups

Common Business Networking Mistakes

If the success of your business depends on networking then why to leave any corner of networking untouched, no matter how small or big your business is.

Unlike your business location, your network is not limited to the physical address. It has to proliferate in all directions. There are tons of way to build the network that is often overlooked.

· Not connecting with other communities

When it comes to pairing with individuals, usually you choose the known path for connection which is social media. It might look promising connecting through it but it limits your network spectrum. You have to explore another dimension for networking as well. Try to connect to lesser known communities like “Quora” or register with a “common platform for service providers”. There are other multiple online platforms where you can confluence with same business groups like Tumblr, musical.ly, tinder, etc. depending on your domain expertise.

· Not connecting to Niche forum or group

If you really want to build a close relationship with your clients or domain experts, join a Niche “forum”. But joining too many forum sometimes becomes complicated, try to zero in two or three forum of your field. There are big companies that also join this forum to get solutions and you can connect with them instantly.

· Not justifying your acquaintance

Let your client find you with your skills. Networking becomes easy if your clients know your whereabouts. There are very few networking sites that have a portal built especially for employees, where employees can build and upload their portfolio. It helps the employee in two ways, building their own network and establishing themselves as a brand.

· Not Paying heed to referrals

You need to pay attention to referrals coming through the third party or from the vendor’s site. Take immediate follow-up and honor these referrals.

· Not using Reviews/Testimonial for networking

This is the most overlooked attribute by vendors. Many of them believe “Reviews and Comments” are solely made for critics. No, that’s not true. You can convert those critics to your potential client. Ask for “Reviews and Comments” from them, you can even ask for the area of improvement for better service. It will help you to identify your weak zone, and at the same time, you have the opportunity to build a positive image in front of your clients. So, always be ready to listen to your client and make a bond with them through Reviews/Testimonials.

· Not connecting actively with Co-workers

Connecting with co-workers actively helps you to share ideas and gain knowledge. You develop this special”give and take” relation with co-workers over a period of time. Your equation with them will decide how your network will expand.

· Not connecting to diverse population

Usually, it’s a human tendency to connect with like-minded people, which is OK. But if you want to build up a B2B network, then you need to break that cocoon and connect with a diverse population. Diversity gives you the perspective to think out of the box and implement new ideas in your business.

Some Key takeaways for Business Networking

· Make your social networking activity a key part of your daily work.

· Locate and join networking site where other members sell their service or product same as you

· Rather than building numbers focus on people that show interest in your service

· Don’t miss out the client by not joining a common networking platform or joining much later than you should be

· Use software tools or plugins to optimize your networking activity

Applying for a Personal Loan With Subpar Credit – What to Know

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Anyone that finds themselves with multiple balances on credit cards that have high interest may consider looking for a personal loan with bad credit. This allows them to transfer those balances and take advantage of a lower interest rate to pay off their cards. Sadly, many banks will turn them down due to their credit. Thankfully, there are ways to get a loan that will help them save money, even with that low credit score.

Whether due to financial issues, job loss, or just striving to build a good credit score as a first time user it is difficult to get a loan. The way credit reports work is always changing and there are many factors that affect a person’s credit. It’s important to stay in the know about how to build it, and what your options are. There are likely more options than they think. Here are some ways to apply for and get a personal loan with bad credit.

How to Get a Loan with Bad Credit

Having zero credit or poor credit is a major issue when looking to secure a loan, because that person is viewed as a high risk customer who may default. It’s important to accept that until the credit score is raised, one won’t be able to enjoy the standard lending guidelines offered by big banks.

For anyone that’s been turned down for a loan or who doesn’t want to pay monstrous rates, here are some options:

Consider a Home Equity Line of Credit

If there is enough equity in owned property, it’s possible to secure a tax-deductible, low-interest loan or line of credit that can be used in any way. The only downfall is that many don’t want to tap into their home equity as it puts the property in jeopardy if they can’t repay it. However, with a steady income and a bit of discipline then this can be paid off and is a less pricey option no matter what the credit score!

Try and Apply to Credit Unions

Credit unions are so much better than a regular bank. That’s because they are member-owned. Usually they are founded by people who have something in common whether it be living in the same area, or working in the same profession. They are nonprofit and have a sole purpose of helping members. They offer great customer service and low fees.

Borrow from a Friend

Consider what’s called P2P or peer-to-peer lending. There are even sites online that let a person borrow from someone directly rather than a bank. This form of lending is getting very popular and is quite simple. It’s a winning situation for both investors who want to earn interest and borrowers who enjoy paying lower rates. It’s the perfect solution when looking to apply for a personal loan with bad credit. Current rates with P2P lending are as low as 6%. That’s far lower than most credit cards.

Family Loans

If an online peer doesn’t pick up a loan request, there’s always a chance a family member might. However, it’s more than important to treat a loan from someone in the family just as a professional loan. It should be documented and recorded. A written agreement should show the interest rate, terms of repayment and collateral that’s going against the loan. It should also lay out all the actions to be taken if the borrower does not repay.

What About a Co-signer?

If one is searching for a personal loan with bad credit and they don’t have a family member or a friend that is available to offer the loan, maybe they would consider co-signing. This is when someone who trusts that the borrower can repay the debt would take a chance on them and be a back up to repay the loan should that person default.