Keep your eyes peeled for this fee in the disclosures — it may be hidden in an area called the “Addendum to the Note,” so be sure to read it along with anything that says “addendum.” If your auto loan or personal loan has this penalty, your contract is required to include it so that you’re notified before you sign on the dotted line. Why You Shouldn’t Value Every Resale HDB Flat the Same Way. Reed and Malloy deal with victims of depression as a new … 2. Being overwhelmed often means putting our focus in a time that isn’t the present. the sheriff's office said. It takes more than humility to be grateful. "Chinese Proverb"When eating bamboo sprouts, remember the man who planted them.”Mary Wright"There is only one way to say thank you and that's just too straight up say, “Thank you.""G. Oftentimes, our greatest battles simply prepare us for a wonderful future. Sounds wonderful! "John MiltonA grateful mindBy owing owes not, but still pays, at onceIndebted and discharged.