Ruth Thomas owns a home that has been pledged to first Bank and trust secure a mortgage that $180,000. Ruth Thomas sells her home to John Kendall, who purchased a home and assumes the mortgage held by first Bank and trust. John Kendall subsequently sells a home to Mark Murphy, who purchases the home subject to the First Bank and trust loan. The First Bank and Trust bank goes into default. Can First Bank and Trust company foreclose on the home? And for us Bank and trust company so Mark Murphy for the debt? Him first Bank and trust company so John can do for that? And first Bank and trust company so rude Thomas for the day? In the event Thomas pays the bank in full, what remedies does she have against John Kendall or Mark Murphy or against the real property?

There are two ways to view intelligence or ability:
ability it is fixed or ingrained – in other words, we are born with a certain level of ability and we cannot change that. this is called a fixed mindset.
we can develop our ability through hard work and effort. this is called a growth mindset.
these two different beliefs lead to different behaviour, and also to different results. for example, students with a growth mindset were shown to increase their grades over time. those who believed that their intelligence was ingrained did not; in fact, their grades got worse.
having a growth mindset (the belief that you are in control of your own ability, and can learn and improve) is the key to success.
yes, hard work, effort, and persistence are all important, but not as important as having that underlying belief that you are in control of your own destiny.