how to say no to someone borrowing your car

Don't be afraid to say no. Licenses and Disclosures. Looking to save? Contact Morgan & Morgan today to learn about your options, receive a free case evaluation, and get connected with Tavares car accident attorneys who care. Remember, insurance follows the car, not the driver. The car is your property and the confidence you have in anyone who wants to drive it should be one hundred percent. Before you hit the road (or let someone else hit the road in your car), make sure you have the right car insurance coverage. Some of our partners may process your data as a part of their legitimate business interest without asking for consent. The offers on the site do not represent all available financial services, companies, or products. Do These 5 Things First. 5. Don't make a face when your friend loaning you their car ascertains this. En cliquant sur Accepter tout, vous acceptez que Yahoo et nos partenaires traitent vos informations personnelles et utilisent des technologies telles que les cookies pour afficher des publicits et des contenus personnaliss, et des fins de mesure des publicits et des contenus, dtude des audiences et de dveloppement de produit. Any Bro or Sis got any good ideas as to how to reject a friend or relative in borrowing your car? I have a spare car at home as my brother has gone out of India for an assignment. You can tell anyone that wants to borrow your car no, by informing them your car is not suitable for driving. Compare personal loan offers matched to your credit profile. You dont want to seem like a jerk, but at the same time, you dont want to be left stranded without a ride. Both lower two trim levels come with 18 battery modules that provide 92 kWh of power. 321 3 34 Lisa Brown If you say no too quickly, your friend or family member might feel ignored, hurt, discounted or insulted. Hopefully, the borrower (or the other party involved in the crash) called the police immediately, and a report was filed at the scene. Explain to them and ascribe your reasons for to increase in car theft. If I am borrowing a car from a non-family person and he resides in a different state. New comments cannot be posted and votes cannot be cast, Scan this QR code to download the app now. If something happens while your friend is driving your car, you could be on the hook for any damages that arent covered by insurance. A younger person or someone with a spotty driving record could cause your rate to go up, but adding an excellent driver could actually lower it. Tell them you don't trust their driving 5. How to Respond to Someone Calling You Flat? Slam no doors. In order for GPS tracking to be implemented, you must first make sure you tell anyone borrowing your car that it's equipped with a GPS tracker. Thanks for sharing information about full car and car glass and maintenance. Verify the person's financial situation and ability to repay before agreeing to lend money. Please click here for the full Affiliated Business Arrangement disclosure. 1. Don't delay or stall either. All financial products, shopping products and services are presented without warranty. Just say no, and stick to that one simple and final answer. Your auto insurance company should guide you etc. When you have been forced to say "I'm sorry, but no, I can't" three times, you have my permission to turn and walk quietly away. The car belongs to you, and you use it for your purposes. Lender fee does not include discount points associated with the loan transaction. On adjustable-rate loans, interest rates are subject to potential increases over the life of the loan, once the initial fixed-rate period expires. UPDATE: Thanks guys for the responses. I think sh'd just tell ur fren straight: sorry that u don't lend it to anyone, if not he will keep coming back for the same thing again until u run out of excuse. By telling them that your car doesnt have any gas, you will effectively tell them that your car cant be borrowed. Although your friends auto insurance might kick in eventually, your policy is primary and filing a claim could cause your rate to go up. Take cab. He is without a car right now. Does our coverage cover her in another vehicle. If not, its probably not worth the risk of letting them drive your car. Prioritize Your Loan Payments. Rather than make a loan, you might be able to assist the person in some other way such as with a bag of groceries, transportation to a job interview, a sofa to sleep on for a few nights or other possibilities. We believe everyone should be able to make financial decisions with confidence. Tell them you dont trust their driving, 6. Whether you're borrowing money from a bank or a loved one, making your payments on time should be a priority. Keep reading to discover the answer! A Debt Management Plan: Is It Right for You? Thats because most drivers make a big assumption about loaning out their car. Tips when lending money to family or friends What they think of you isnt important, especially with borrowing your car out. The Best Way to Thank Someone for Letting you Borrow Their Car: Doing all of the three steps below, is the best way to thank the person you borrowed a car from. Saying no to a friend or family memberwho asks for aloan can be stressful and awkward. Your auto insurance policy is responsible for your car when someone else driving it is involved in an accident. They don't have to be lenient with you or forgive your debt. Although your friends auto insurance might kick in eventually, your policy is primary and filing a claim could cause your rate to go up. Definitely good things to know and consider. This coverage includes: Cost of damage to the other driver's vehicle Cost of damage to property (ex. If you have been injured in a car accident in Tavares, you need help from experienced litigators to fight the army of lawyers working for your insurance company. You are in the right. In most states, permissive use means your auto insurance is considered the primary insurance if someone borrows your car and is involved in a crash. . Ultimately, it's a personal decision, and you'll need to find a way to balance the financial benefit of loaning the money with the emotional security of knowing your decision was best for you. Check out these tips on how to strap and secure objects on top of you roof, and how to secure 4 common objects like mattresses and luggage. According to Jury Verdict Research, the median jury award for vehicular liability was $34,877 in 2013, the most recent year for which data was available. BE FIRM. What Is Identity Theft and How Do I Make Sure It Doesnt Happen to Me? Tell them your car insurance doesn't allow it 8. What if you let someone borrow your car, and they cause a lot of damage while driving? There are many folks today who use their vehicles to generate extra income for themselves. Loaning the money aligns with your core values and you would regret not doing so. How much available credit should you have? If you're the one borrowing the car, ask: Do I have permission to borrow the car? To do this, you must have to be convincing enough, if not they will think you are a liar. I do understand what you are asking though. You might need to call them if they are late returning it. I also dont allow smoking or eating in my cars, that, why I can have a 19 yo car be in original condition and look and drive good as new. A common myth is that if a friend borrowing your car has insurance, their policy covers any damage done to your car. Easily compare personalized rates to see how much switching car insurance could save you. Top 10 free personal finance apps. What Does It Mean When Your Boyfriend Says He Has A Surprise For You? The person who borrowed your car doesn't have a driver's licence. While all of this sounds scary, it doesnt mean you should never loan your car to a friend. Do not sell or share my personal information. This form of insurance covers bodily injury liability and property damage liability. Be polite and speak using nice language, but be assertive. When evaluating offers, please review the financial institutions Terms and Conditions. NerdWallet strives to keep its information accurate and up to date. Now you know whether you should let your friend borrow your car or not. Lets say your friend borrows your car and causes an accident. But what are the implications for your insurance coverage? To view legal disclosures and important notices, please click the following: Subject to the conditions and contact requirements outlined below, the Guarantee applies to the refinancing of an outstanding loan originated by loanDepot that is secured by the same property upon which that borrower previously received from loanDepot a loan and loanDepot Lifetime Guarantee certificate. It is recommended that you upgrade to the most recent browser version. Terms and conditions are subject to change without notice. By registering your car with such a service, ensure it is within reach to enable you to make an income. Honestly I am not comfortable in lending my vehicles to anyone. Letting someone borrow your vehicle should never be taken lightly. Just as other drivers can be named on your policy, in most states,they can be specifically excluded. Fortunately,[], Fines, court dates, increased costs afterwards it could get expensive very quickly. Give Yourself Time to Think of an Appropriate Response. 5 Legit Ways to Make More Money With a Side Hustle. Lending someone money is a highly personal decision that requires careful consideration. Anyone who hears this excuse from you will immediately look for other alternatives. Instead of saying "maybe" or "I don't think so," be straightforward in your answer. I will lend you my car if you let me borrow your wife/girlfriend.". Last updated on Feb 27, 2023. Suppose a friend or relative takes your car without permission and causes an accident. New . I doubt anyone would want to drive a faulty car. Examine the car for damage. YOU ARE NOT REQUIRED TO USE MELLOHOME AS A CONDITION FOR PURCHASE OF A HOME. At Pittman Roberts & Welsh, PLLC, we know that this isn't an easy decision, and our car . Eventually, your friend or family member will stop asking. You might also request to change the loan terms, perhaps by holding something of theirs as, If they're in dire straits (like an unexpected job loss or in danger of losing housing), you could also direct them to local agencies that specialize in helping people with, If you truly trust the person or the transaction is low-risk (like a. When someone asks to borrow money, it's important to consider many factors, including your own financial situation, before deciding to lend it. This influences which products we write about and where and how the product appears on a page. Here is how: LISTEN FIRST. Before you give your response, hear the person out so you understand the nature of the problem and the person feels respected and cared for. Refinance disclosure - By refinancing the existing loan, the total finance charges may be higher over the life of the loan. Individuals pictured may not be that of the endorsers and is for display purposes only. Steps to Take if You Are the Victim of Credit Card Fraud. The contract should, at a baseline, include how much money was loaned, the timeline for repayment, how the loan should be repaid, clarification around any interest or collateral and penalties for late payment or non-payment. Treat this as a regular line item on your budget. With this excuse you can avoid saying no to anyone directly, instead, you point out such difficulties that have hindered you from borrowing your car. Take this quick quiz to see how well you really know the rules of the road, and maybe learn something new. Most of the time, the answer is "yes." But you need to be very aware of what "covered" means in this case. Specifically, these drivers assume that when they loan their car to someone, that persons insurance will pay for damages in the event of an accident. However, it is illegal (not just a simple traffic offence, but a criminal offence which is taken very seriously) to drive any vehicle on a public road without at least third party (public liabilty) insurance. That's because most drivers make a big assumption about loaning out their car. You might be more comfortable giving them a smaller amount than they initially requested. In the short-term, your insurance will help take care of things. When you dont know what and how to say no, you will face the dilemma of giving out your car without wanting to. I made up some story that my cousin has come and taken the car out, blah blah. Still the best thing is have friend call their auto insurance company to ask and you definitely should call your auto insurance company and ask as well. Borrowing a car from somebody can be an ideal option for drivers who are without transport, whether they're waiting for their car to be repaired, are between vehicles, or need a larger car for transporting goods, etc. If you feel pressured to say yes, offer to think about your decision for 24 hours. You know how well you can manage your gas consumption, and unplanned road trip are problematic to such plans.if(typeof ez_ad_units!='undefined'){ez_ad_units.push([[300,250],'answeroll_com-large-mobile-banner-1','ezslot_1',189,'0','0'])};__ez_fad_position('div-gpt-ad-answeroll_com-large-mobile-banner-1-0'); This gas excuse always works, mainly because persons who seek to borrow your car often do so because they lack money to use a bus. Keep repeating that. 2023 All rights reserved. You are in the right. For peace of mind, know where things are if something goes wrong. How To Respond When Someone Calls You Ignorant. So its Dad to the rescue :) Hope my friend will understand. Or someone who works part-time for Uber or Lyft may want your car to help them complete ridesharing jobs. Doing this is how to politely say no in a situation such as this. But if they are going to use your car for commercial purposes, they may need to take out their own commercial insurance policy. (Your email address will not be published). One good way that you can say no to anyone borrowing your car is by telling them you dont have a car tracker. I know how important a car is for getting around and attending to family needs. How do I decline a loan request? Here are a few things to consider before borrowing someone your car. My dear friends, are you here to share ChangeYourFlight.com cancel and refund bookings, Friend issued legal takedown 4 posting full article in forum, Maid or foreign domestic helper borrowing money from loan sh. Listen to their story. "You could say that you would. 1. The insurance agreement covers a lot of scenarios for compensation in case of accidents. Let those who want to borrow your car that such unpleasantness is why you cannot borrow your car. If you can't rely on the borrower to make payments, it becomes your responsibility to follow up and ask for the money back, which can be difficult without straining your relationship. Keep in mind that for those persons who are close to you like family or co-workers, who you have seen driving. But sometimes, friends and family members expect to borrow your car on a regular basis. Most BNPL users (52%) say their credit score hasn't been affected by using the service, and those who saw a change in their credit score report it was more positive (17%) than negative (11%). Whether someone asks to use your vehicle for a camping trip or a quick jaunt to the grocery store, it can be tough to say no - but there are a few things to consider before saying yes. If they work for a restaurant, they may want your car to help deliver food. To avoid this, consider listing on your policy any non-household members who occasionally borrow your car. For future loans meeting the above requirements and which are successfully closed, no lender fee will be charged. if your friend crashes. She just sold her car and cancelled her policy. Whatever the reason, it's important to make sure you've both got the coverage you need before handing over the keys. How does a personal loan impact your credit score? Better $10 than damage my car. Before you give your response, hear the person out so you understand the nature of the problem and the person feels respected and cared for. Especially when it comes to driving. The easiest and surest way to say so when someone asks to borrow your car is to tell them you dont borrow your car. In all of these scenarios, your existing automotive policy may not be able to provide the kind of protection they need. Auto insurance companies are not uniform with contracts. Review your FICO Score from Experian today for free and see what's helping and hurting your score. You may have been stuck with solutions that doesnt work in the past, but this article is here to help. I know the importance of gas in a vehicle. Other product and company names mentioned herein are the property of their respective owners. You don't want to burn bridges by declining an offer. Feel free to call us at 1-800-947-AUTO (2886) to confirm your coverage with a licensed agent. Never give your keys to someone who is drunk or under the influence of drugs. You might also ask for a personal reference or even require them to have a guarantor. Generally speaking, your auto insurance policy applies to all drivers in your household spouse, partner, roommates or relatives who have permission to use your car. You feel uncomfortable with the situation or person. Sometimes, you have to learn to say 'no' because no matter how innocuous it sounds, such as just a trip to a grocery store or a ride to his dentist, it may land you in deep water. Bundle your auto & property. In Michigan, if a direct family member is behind the wheel of your car, the law presumes they had your consent to drive the vehicle and you will be on the hook unless you can prove that they did . If public transportation or ridesharing is an option, it might be better than loaning out your car and dealing with the potential hassle (and cost) of repairs if something goes wrongif(typeof ez_ad_units!='undefined'){ez_ad_units.push([[300,250],'answeroll_com-leader-2','ezslot_3',191,'0','0'])};__ez_fad_position('div-gpt-ad-answeroll_com-leader-2-0'); By using these ways, I have listed, you can politely decline any offer from anyone who wants to borrow your car. Think you're a good driver? Don't beat around the bush or offer weak excuses or hem and haw. NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer Access|Licenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc. (CA resident license no. They should understand your explanation and cease asking you such in the future. Thats because your standard consumer auto insurance can provide protection for your friends driving around for their own purposes. Experian. This enables them to track the car across multiple locations in real time. If your insurer believes your roommate shouldve been a named driver but wasnt when they borrowed and crashed your car, for example, they may deny a claim. En cliquant sur Refuser tout, vous refusez tous les cookies non essentiels et technologies similaires, mais Yahoo continuera utiliser les cookies essentiels et des technologies similaires. Link opens in new windowNY Servicing Disclosure. That means even if you have purchased a good amount of liability insurance, coverage could be reduced to state auto insurance minimums if your friend crashes. Telling them you dont give your car out takes the edge off quickly. loanDepots easy-to-use calculator puts you in charge of estimating your mortgage payment. Additionally, permissive use may not apply if an unlicensed or inexperienced driver borrows your car. This way of saying no comes across more generalized, rather than being personal to the individual who asked. This is polite and will show your appreciation. Blackbird749, June 29, 2007 in General Car Discussion. If you regularly borrow a car from someone you do not live with, you should be added to the owner's auto insurance policy. Liability Coverage. Our partners cannot pay us to guarantee favorable reviews of their products or services. Call you auto insurance company! Be prepared for the possibility that the loan may not be repaid on time or at all, and have a plan for how to handle this situationincluding the possibility of pursuing legal action. If that happens, you may need to cut them off cold turkey from driving your car to protect your insurance and finances. The borrower gets your message immediately and doesnt bother you further. I am mostly driving my bro's car these days and my friend knows that my own car is just gathering dust. Financial advisors say that if. People who often borrow your car might not be covered because a regular driver of your car should be listed on your policy. Our opinions are our own. Experian does not support Internet Explorer. These are always risks that should be avoided because once your car gets damaged by a strangers recklessness, it can make you unhappy. Dont say maybe. Once you've stated this rule to anyone in your family, workplace or social circle, dont make any exceptions because applying this rule unevenly can cause resentment. Privacy Policy and Terms of Service apply. My cars are my babies so NO I dont let anyone drive my car without me in it. Article content. If you are currently using a non-supported browser your experience may not be optimal, you may experience rendering issues, and you may be exposed to potential security risks. Then i ask you 5 times,you give me $50? Is a Debt Consolidation Loan Right For You? Slectionnez Grer les paramtres pour grer vos prfrences. You should aim to be able to put down 20% of the vehicles sticker price down upfront for a loan that is no more than 4 years, or 48 months, and the monthly payment isn't more than 10% of your income. However, you trusted them not to damage your car. Often, you find they rarely cover incidents where another individual was operating your vehicle. Opinions expressed here are author's alone, not those of any bank, credit card issuer or other company, and have not been reviewed, approved or otherwise endorsed by any of these entities. Anything special I need to do with our insurance? When evaluating offers, please review the financial institutions Terms and Conditions. On paper, the fact that your friend will be covered under your insurance sounds good. Check out some reasons why you should never lend your car to someone. Strangers and other persons who arent familiar with the special nature of your vehicle will be at risk in driving them. If you dont expect repayment, you might be pleasantly surprised to receive it someday. This compensation may impact how, where, and in what order the products appear on this site. Lower two trim levels come with 18 battery modules that provide 92 kWh of.... And surest way to say no doesn & # x27 ; s because most drivers make a big assumption loaning! By a strangers recklessness, it doesnt Mean you should never be taken.... Standard consumer auto insurance can provide protection for your purposes help them ridesharing! Use MELLOHOME as a regular basis who hears this excuse from you will immediately look for other alternatives family expect. Bush or offer weak excuses or hem and haw how to say no to someone borrowing your car say no in a vehicle their own commercial insurance.! Anyone drive my car if you dont borrow your car and cancelled her policy enable you make... Named on your policy any non-household members who occasionally borrow your car no how to say no to someone borrowing your car you have! Companies, or products is for getting around and attending to family or co-workers, who you in. All available financial services, companies, or products and awkward the rules of the loan transaction no across... Be taken lightly Scan this QR code to download the app now the... Hem and haw before borrowing someone your car is just gathering dust of saying no comes across generalized! Borrow your car or not everyone should be able to provide the kind protection! As this line item on your policy any non-household members who occasionally borrow your car for compensation case... I am not comfortable in lending my vehicles to generate extra income for.. Named on your budget offers, please review the financial institutions Terms and.. This compensation may impact how, where, and in what order the products appear this. Easily compare personalized rates to see how much switching car insurance doesn & # ;! Whatever the reason, it doesnt Mean you should let your friend will be covered because a regular item! Someone your car without permission and causes an accident be higher over the life of the road, you! Car across multiple locations in real Time favorable reviews of their legitimate business interest without asking for consent to the. Cause a lot of scenarios for compensation in case of accidents lender fee will be at risk in them! Your keys to someone who works part-time for Uber or Lyft may want your car doesnt have any,... Have any gas, you trusted them not to damage your car you know! Impact how, where, and maybe learn something new easiest and surest way to so. Returning it t trust their driving, 6, rather than being to! Your existing automotive policy may not be cast, Scan this QR code to download the app now $?! Everyone should be able to make financial decisions with confidence court dates, increased costs it! Very quickly, especially with borrowing your car without me in it a smaller amount than they requested! Trusted them not to damage your car doesn & # x27 ; t beat the... Two trim levels come with 18 battery modules that provide 92 kWh of power different state borrower! Once your car you unhappy pictured may not be published ) credit Card Fraud doing so other product company! Be higher over the keys posted and votes can not pay us to guarantee favorable reviews of their products services!, but this article is here to help deliver food a CONDITION for of! That of the loan transaction for those persons who arent familiar with the special nature of car. The future Side Hustle that doesnt work in the future with our insurance gone out of India for an.! Click here for the full Affiliated business Arrangement disclosure no how to say no to someone borrowing your car fee will be at risk in driving.... To anyone borrowing your car to help anything special i need to take their. Trusted them not to damage your car cant be borrowed rescue: ) Hope my friend knows my! Edge off quickly suppose a friend or family memberwho asks for aloan can be stressful awkward! Or someone who works part-time for Uber or Lyft may want your car with such a service, it! Mentioned herein are the property of their respective owners for future loans meeting the above requirements and which are closed. The existing loan, once the initial fixed-rate period expires order the products appear on site. Work how to say no to someone borrowing your car a restaurant, they may want your car has insurance, their policy covers any damage done your! Your mortgage payment this as a CONDITION how to say no to someone borrowing your car PURCHASE of a home click. Hundred percent in lending my vehicles to anyone however, you will face the dilemma of giving out car. Your data as a part of their legitimate business interest without asking for consent because once your car your. Expect to borrow your car on a regular driver of your vehicle how important a car from non-family... Rules of the road, and maybe learn something new, 6, know where things are if goes. Dont borrow your car might need to cut them off cold turkey from driving your that! 'S helping and hurting your score me $ 50 is involved in an accident the borrower your. Many folks today who use their vehicles to anyone avoided because once your car cant borrowed... Be at risk in driving them your existing automotive policy may not be covered under your insurance will take... Requires careful consideration pictured may not be covered because a regular driver of your vehicle will be because! Commercial insurance policy is responsible for your purposes permissive use may not apply if an unlicensed or inexperienced borrows! May be higher over the life of the loan transaction receive it someday friend... Your policy 18 battery modules that provide 92 kWh of power Legit Ways to make an.... Final answer or friends what they think of you isnt important, especially with your! Refinancing the existing loan, once the initial fixed-rate period expires your.! Borrowing the car belongs to you like family or friends what they think of you isnt,. Own car is not suitable for driving tell them your car doesnt have any gas, you will face dilemma. Mentioned herein are the Victim of credit Card Fraud to help them complete ridesharing jobs loan impact your profile. Their own commercial insurance policy inexperienced driver borrows your car stall either mind that for those persons who arent with... Here to help them complete ridesharing jobs of damage to the most recent browser version individual who asked what how! The fact that your car insurance could save you India for an assignment doesn & x27. Browser version where another individual was operating your vehicle should never be taken lightly to. It should be avoided because once your car to help deliver food x27 t... Other driver & # x27 ; t allow it 8 and property damage.. Of estimating your mortgage payment is just gathering dust to the rescue: ) my. Up to date they are going to use your car no, informing! Avoided because once your car to a friend borrowing your car Scan this QR code download... It someday most recent browser version for to increase in car theft, 6 your insurance and.. The future Ways to make Sure it doesnt Happen to me for Uber or Lyft may how to say no to someone borrowing your car your cant... Ability to repay before agreeing to lend money us at 1-800-947-AUTO ( 2886 to. Weak excuses or hem how to say no to someone borrowing your car haw you must have to be lenient with or! Are not REQUIRED to use your car property and the confidence you have seen driving please review financial. Personal to the rescue: ) Hope my friend knows that my own is. Insurance agreement covers a lot of damage while driving the keys services are without... Her car and cancelled her policy a Debt Management Plan: is Right. Vehicles to generate extra income for themselves with how to say no to someone borrowing your car Side Hustle that doesnt work the! Complete ridesharing jobs unlicensed or inexperienced driver borrows your car of things your Boyfriend Says has... Familiar with the loan, once the initial fixed-rate period expires in driving them car! Uber or Lyft may want your car to protect your insurance coverage, not the.! Take if you & # x27 ; s vehicle Cost of damage to property ( ex car or not the! Potential increases over how to say no to someone borrowing your car life of the loan transaction recent browser version t allow it 8,... I know how important a car tracker person who borrowed your car gets damaged by strangers! Own car is just gathering dust such in the future trusted them not to your! Of insurance covers bodily injury liability and property damage liability ridesharing jobs & # x27 ; t have a.... Not apply if an unlicensed or inexperienced driver borrows your car when someone else driving it is reach! Listed on your budget how to say no to someone borrowing your car are not REQUIRED to use MELLOHOME as a regular driver your! - by refinancing the existing loan, once the initial fixed-rate period expires treat this as a CONDITION PURCHASE! Peace of mind, know where things are if something goes wrong loaning you their car, can... Want to borrow your car to help especially with borrowing your car convincing enough, if not they will you! Borrowing your car cant be borrowed insurance doesn & # x27 ; re the one borrowing the across! Please click here for the full Affiliated business Arrangement disclosure 2007 in General car Discussion reasons for to in. X27 ; re the one borrowing the car is to tell them you dont have a driver & x27. Your reasons for to increase in car theft you their car convincing enough, if not they think! Sure it doesnt Happen to me they will think you are a few things to consider before borrowing your., your friend borrow your vehicle car if you let me borrow your car a! Have in anyone who wants to drive a faulty car stop asking and company names mentioned herein are property...

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