2013년 11월 23일 토요일

오후 6:25

By Gil Jesus



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About 'can t pay debts'|Debts that can’t be paid, won’t be by Michael Hudson







About 'can t pay debts'|Debts that can’t be paid, won’t be by Michael Hudson








Ａ               ｌｏｔ               ｏｆ               ｐｅｏｐｌｅ               ｔｈｉｎｋ               ｊｕｓｔ               ｐａｙｉｎｇ               ｙｏｕｒ               ｄｅｂｔｓ               ｏｎ               ｔｉｍｅ               ｗｉｌｌ               ｇｉｖｅ               ｙｏｕ               ａ               ｇｏｏｄ               ｃｒｅｄｉｔ               ｓｃｏｒｅ.

Ｗｈｉｌｅ               ｔｈｉｓ               ｉｓ               ｉｎ               ｆａｃｔ               ｏｎｅ               ｏｆ               ｔｈｅ               ｂｉｇｇｅｓｔ               ｄｅｔｅｒｍｉｎａｎｔｓ               ｏｆ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｓｃｏｒｅ               ｉｔ               ｉｓ               ｎｏｔ               ｔｈｅ               ｏｎｌｙ               ｏｎｅ               ｔｈａｔ               ｗｉｌｌ               ｈａｖｅ               ａ               ｓｉｇｎｉｆｉｃａｎｔ               ｉｍｐａｃｔ.

Ａｎｏｔｈｅｒ               ｋｅｙ               ｑｕａｌｉｔｙ               ｉｓ               ｙｏｕｒ               ｃｒｅｄｉｔ               ａｖａｉｌａｂｉｌｉｔｙ.

Ｓｉｎｃｅ               ｗｅ               ａｒｅ               ｉｎ               ａ               ｃｒｅｄｉｔ               ｃｒｕｎｃｈ               ｏｒ               ａ               ｃｒｅｄｉｔ               ｆｒｅｅｚｅ               ａ               ｌｏｔ               ｏｆ               ｃｏｍｐａｎｉｅｓ,               ｐｒｉｍａｒｉｌｙ               ｃｒｅｄｉｔ               ｃａｒｄ               ｃｏｍｐａｎｉｅｓ               ａｒｅ               ｒｅｄｕｃｉｎｇ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｌｉｎｅ               ｗｈｉｃｈ               ｄｅｃｒｅａｓｅｓ               ｙｏｕｒ               ａｖａｉｌａｂｌｅ               ｌｉｎｅ               ｏｆ               ｃｒｅｄｉｔ               ａｎｄ               ｈｅｌｐｓ               ｔｏ               ｌｏｗｅｒ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｓｃｏｒｅ.

Ｔｈｅ               ｍｏｒｅ               ｏｆ               ｙｏｕｒ               ａｖａｉｌａｂｌｅ               ｃｒｅｄｉｔ               ｙｏｕ               ａｒｅ               ｕｓｉｎｇ               ｏｒ               ｇｅｔｓ               ｔａｋｅｎ               ａｗａｙ               ｂｅｃａｕｓｅ               ｏｆ               ａ               ｒｅｄｕｃｔｉｏｎ               ｉｎ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｌｉｍｉｔ               ｔｈｅ               ｍｏｒｅ               ｌｉｋｅｌｙ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｓｃｏｒｅ               ｗｉｌｌ               ｆａｌｌ.

Ｎｏｗ               ｔｈｅｒｅ               ａｒｅ               ｓｏｍｅ               ｓｔｉｐｕｌａｔｉｏｎｓ               ｔｏ               ｔｈｉｓ               ａｎｄ               ｙｏｕ               ａｒｅ               ｇｉｖｅｎ               ａ               ｃｅｒｔａｉｎ               ａｍｏｕｎｔ               ｏｆ               ｒｏｏｍ               ｔｏ               ｐｌａｙ               ｗｉｔｈ.

Ｓｏｍｅ               ｃｏｍｐａｎｉｅｓ               ｄｏｎ'ｔ               ｌｉｋｅ               ｔｏ               ｓｅｅ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｕｓａｇｅ               ｈｉｇｈｅｒ               ｔｈａｎ               35%               ｏｆ               ｙｏｕｒ               ａｖａｉｌａｂｌｅ               ｃｒｅｄｉｔ.

Ｏｎｃｅ               ｙｏｕ               ｓｔａｒｔ               ｇｏｉｎｇ               ｈｉｇｈｅｒ               ｔｈａｎ               ｔｈａｔ               ｓｏｍｅ               ｃｒｅｄｉｔｏｒｓ               ｗｉｌｌ               ｂｅｃｏｍｅ               ｃｏｎｃｅｒｎｅｄ.

Ｔｈｅ               ａｂｓｏｌｕｔｅ               ｂｅｓｔ               ｗａｙ               ｔｏ               ｕｎｄｅｒｓｔａｎｄ               ｔｈｉｓ               ｉｓ               ｔｏ               ｌｏｏｋ               ａｔ               ａｎ               ｅｘａｍｐｌｅ.

Ｉｆ               ｙｏｕ               ｈａｖｅ               ａ               ｃｒｅｄｉｔ               ｃａｒｄ               ｗｉｔｈ               ａ               ｃｒｅｄｉｔ               ｌｉｍｉｔ               ｏｆ               $5,000               ａｎｄ               ｔｈｅ               ｂａｌａｎｃｅ               ｉｓ               ｚｅｒｏ               ｙｏｕ               ｈａｖｅ               ｚｅｒｏ               ｕｓａｇｅ               ｏｎ               ｔｈｉｓ               ｃａｒｄ               ａｎｄ               ｙｏｕｒ               ａｖａｉｌａｂｌｅ               ｃｒｅｄｉｔ               ｉｓ               $5,000.

Ｎｏｗ               ｌｅｔ'ｓ               ｓａｙ               ｙｏｕ               ｇｏ               ｏｕｔ               ａｎｄ               ｐｕｒｃｈａｓｅ               ｓｏｍｅ               ｍｅｒｃｈａｎｄｉｓｅ               ｉｎ               ｔｈｅ               ａｍｏｕｎｔ               ｏｆ               $1,000               ａｇａｉｎｓｔ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｌｉｎｅ               ｏｆ               $5,000               ｗｈｉｃｈ               ｇｉｖｅｓ               ｙｏｕ               ａ               ｕｔｉｌｉｚａｔｉｏｎ               ｒａｔｅ               ｏｆ               20%.

Ｙｏｕ               ａｒｅ               ｕｓｉｎｇ               20%               ｏｆ               ｙｏｕｒ               ａｖａｉｌａｂｌｅ               ｃｒｅｄｉｔ.

Ｎｏｗ               ｔｈｉｓ               ｒａｔｅ               ｏｆ               ｕｔｉｌｉｚａｔｉｏｎ               ｉｓ               ｓｔｉｌｌ               ｇｏｏｄ               ｂｅｃａｕｓｅ               ｉｔ               ｉｓ               ｂｅｌｏｗ               35%.

Ｓｏ               ｌｅｔ'ｓ               ｇｏ               ａ               ｌｉｔｔｌｅ               ｆｕｒｔｈｅｒ               ｗｉｔｈ               ｔｈｉｓ               ｅｘａｍｐｌｅ.

Ｗｈａｔ               ｉｆ               ｙｏｕ               ｇｏ               ｏｕｔ               ａｎｄ               ｐｕｒｃｈａｓｅ               ａｎ               ａｄｄｉｔｉｏｎａｌ               $1,000               ｏｆ               ｍｅｒｃｈａｎｄｉｓｅ               ｗｉｔｈｏｕｔ               ｅｖｅｒ               ｐａｙｉｎｇ               ａｎｙｔｈｉｎｇ               ｔｏｗａｒｄｓ               ｔｈｅ               ｆｉｒｓｔ               ｐｕｒｃｈａｓｅ.

Ｙｏｕｒ               ｒａｔｅ               ｏｆ               ｕｔｉｌｉｚａｔｉｏｎ               ｈａｓ               ｎｏｗ               ｄｏｕｂｌｅｄ               ｗｈｉｃｈ               ｐｕｔｓ               ｉｔ               ａｔ               40%.

Ｔｈｉｓ               ｉｓ               ｓｌｉｇｈｔｌｙ               ａｂｏｖｅ               ｔｈｅ               35%               ｆｉｇｕｒｅ               ｗｅ               ｗａｎｔ               ｔｏ               ａｖｏｉｄ.

Ｓｏ               ｔｈｉｓ               ｗｉｌｌ               ａｔｔｒａｃｔ               ｔｈｅ               ａｔｔｅｎｔｉｏｎ               ｏｆ               ｙｏｕｒ               ｃｒｅｄｉｔｏｒｓ.

Ｃｒｅｄｉｔｏｒｓ               ｗｉｌｌ               ｐｅｒｉｏｄｉｃａｌｌｙ               ｔａｋｅ               ａ               ｌｏｏｋ               ａｔ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｒｅｐｏｒｔ               ｊｕｓｔ               ｔｏ               ｍａｋｅ               ｓｕｒｅ               ｙｏｕ               ａｒｅ               ｓｔｉｌｌ               ａ               ｌｏｗ               ｒｉｓｋ               ｐｒｏｆｉｔａｂｌｅ               ｃｕｓｔｏｍｅｒ.
               Ｔｈｉｓ               ｉｓ               ａ               ｖｅｒｙ               ｓｉｍｐｌｉｓｔｉｃ               ｅｘａｍｐｌｅ               ｂｅｃａｕｓｅ               $2,000               ｏｎ               ａ               ｓｉｎｇｌｅ               ｃｒｅｄｉｔ               ｃａｒｄ               ｗｉｔｈ               ａ               ｃｒｅｄｉｔ               ｌｉｍｉｔ               ｏｆ               $5,000               ｍａｙ               ｎｏｔ               ｂｅ               ｂｉｇ               ｄｅａｌ               ｔｏ               ｍｏｓｔ               ｐｅｏｐｌｅ.

Ｉｎ               ｔｈｉｓ               ｅｘａｍｐｌｅ               ｉｔ               ｉｓ               ａｓｓｕｍｅｄ               ｔｈａｔ               ｙｏｕ               ｏｎｌｙ               ｈａｖｅ               ｏｎｅ               ｃｒｅｄｉｔ               ｃａｒｄ.

Ｂｕｔ               ｗｈｅｎ               ｙｏｕ               ａｐｐｌｙ               ａ               40%               ｕｔｉｌｉｚａｔｉｏｎ               ｒａｔｅ               ｔｏ               ｙｏｕｒ               ｅｎｔｉｒｅ               ｃｒｅｄｉｔ               ｃａｒｄ               ｐｏｒｔｆｏｌｉｏ,               ａｓｓｕｍｉｎｇ               ｙｏｕ               ｈａｖｅ               ｍａｎｙ               ｃｒｅｄｉｔ               ｃａｒｄｓ,               ｎｏｗ               ｙｏｕ               ａｒｅ               ｐｕｔｔｉｎｇ               ｙｏｕｒｓｅｌｆ               ｉｎ               ａ               ｖｅｒｙ               ｒｉｓｋｙ               ｆｉｎａｎｃｉａｌ               ｐｏｓｉｔｉｏｎ.

Ｗｈａｔ               ｉｆ               ｙｏｕ               ｈａｖｅ               ｃｒｅｄｉｔ               ｃａｒｄｓ               ａｎｄ               ａｌｌ               ｏｆ               ｔｈｅ               ｌｉｍｉｔｓ               ａｄｄ               ｕｐ               ｔｏ               $100,000               ａｎｄ               ｙｏｕｒ               ｂａｌａｎｃｅｓ               ａｒｅ               ａ               ｃｏｍｂｉｎｅｄ               ｔｏｔａｌ               ｏｆ               $40,000?

Ｗｅｌｌ               ｔｈｅｒｅ'ｓ               ｔｈａｔ               ｓａｍｅ               40%               ｕｔｉｌｉｚａｔｉｏｎ               ｒａｔｅ               ｏｎｌｙ               ｎｏｗ               ｉｔ'ｓ               ｍｏｒｅ               ｉｍｐｏｓｉｎｇ               ｂｅｃａｕｓｅ               ｔｈｅ               ａｍｏｕｎｔ               ｏｆ               ｍｏｎｅｙ               ｉｓ               ｓｕｂｓｔａｎｔｉａｌｌｙ               ｍｏｒｅ.

Ｌｏｏｋｉｎｇ               ａｔ               ｔｈｅ               ｆｉｒｓｔ               ｅｘａｍｐｌｅ               ｙｏｕ               ｃａｎ               ｐｒｏｂａｂｌｙ               ｐａｙ               ｏｆｆ               $2,000               ａ               ｌｏｔ               ｑｕｉｃｋｅｒ               ｔｈａｎ               ｙｏｕ               ｃａｎ               ｐａｙ               ｏｆｆ               $40,000.
               Ｓｏ               ｉｆ               ｗｅ               ａｐｐｌｙ               ｔｈｉｓ               ｔｏ               ｏｕｒ               ｃｕｒｒｅｎｔ               ｅｃｏｎｏｍｙ               ｔｈｅｎ               ｉｔ               ｂｅｃｏｍｅｓ               ａ               ｌｉｔｔｌｅ               ｃｌｅａｒｅｒ.

Ａ               ｖａｓｔ               ｍａｊｏｒｉｔｙ               ｏｆ               ｔｈｅ               ｃｒｅｄｉｔ               ｃａｒｄ               ｃｏｍｐａｎｉｅｓ               ａｒｅ               ｓｈｕｔｔｉｎｇ               ｄｏｗｎ               ｃｒｅｄｉｔ               ｌｉｍｉｔｓ               ｏｒ               ａｔ               ｔｈｅ               ｖｅｒｙ               ｌｅａｓｔ               ｄｅｃｒｅａｓｉｎｇ               ｔｈｅｍ,               ｅｖｅｎ               ｔｈｏｓｅ               ｏｆ               ｔｈｅ               ｍｏｓｔ               ｃｒｅｄｉｔ               ｗｏｒｔｈｙ               ｃｕｓｔｏｍｅｒｓ               ｂｅｃａｕｓｅ               ｔｈｅｙ               ｗａｎｔ               ｔｏ               ｌｉｍｉｔ               ｔｈｅｉｒ               ｒｉｓｋ               ｄｕｒｉｎｇ               ｔｈｅｓｅ               ｕｎｓｔａｂｌｅ               ｅｃｏｎｏｍｉｃ               ｔｉｍｅｓ.

Ｉｆ               ｙｏｕ               ｈａｖｅ               $100,000               ｏｆ               ａｖａｉｌａｂｌｅ               ｃｒｅｄｉｔ               ａｎｄ               ｙｏｕｒ               ｂａｌａｎｃｅｓ               ａｒｅ               $40,000               ａｔ               ｔｈｉｓ               ｐｏｉｎｔ               ａｓ               ｐｒｅｖｉｏｕｓｌｙ               ｍｅｎｔｉｏｎｅｄ               ｙｏｕ               ａｒｅ               ａｔ               ａ               ｕｔｉｌｉｚａｔｉｏｎ               ｒａｔｅ               ｏｆ               40%.

Ｗｈａｔ               ｉｆ               ｓｅｖｅｒａｌ               ｏｆ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｃａｒｄ               ｃｏｍｐａｎｉｅｓ               ｄｅｃｉｄｅ               ｔｏ               ｒｅｄｕｃｅ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｌｉｍｉｔｓ               ａｎｄ               ｎｏｗ               ａｌｌ               ｏｆ               ｙｏｕｒ               ａｖａｉｌａｂｌｅ               ｃｒｅｄｉｔ               ａｄｄｓ               ｕｐ               ｔｏ               $80,000               ｗｉｔｈ               ｔｈｅ               ｓａｍｅ               ｂａｌａｎｃｅｓ               ｏｆ               $40,000.

Ｔｈｉｓ               ｐｕｔｓ               ｙｏｕ               ａｔ               ａ               50%               ｒａｔｅ               ｏｆ               ｕｔｉｌｉｚａｔｉｏｎ,               ｗｉｔｈｏｕｔ               ｙｏｕ               ｅｖｅｒ               ｈａｖｉｎｇ               ｍａｄｅ               ａｎｙ               ｎｅｗ               ｐｕｒｃｈａｓｅｓ,               ｗｈｉｃｈ               ｉｓ               ｓｉｇｎｉｆｉｃａｎｔｌｙ               ｈｉｇｈｅｒ,               ａｎｄ               ｉｔ               ｗｉｌｌ               ｈａｖｅ               ａ               ｄｅｖａｓｔａｔｉｎｇ               ｅｆｆｅｃｔ               ｏｎ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｆｉｌｅ.

Ｙｏｕｒ               ｆｉｃｏ               ｓｃｏｒｅ               ｏｒ               ｃｒｅｄｉｔ               ｓｃｏｒｅ               ｗｉｌｌ               ｂｅ               ｒｅｄｕｃｅｄ.






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    1. cointrader.wordpress.com/   08/08/2011
      ...CNBC Asia The U.S. doesn’t deserve a AA-plus credit... unlikely to be able to pay off its debt and Standard and Poor’s... said. “They can roll it over and continue to...
    2. irs-hitman.blogspot.com/   01/09/2008
      ...full. What can you do to pay the IRS? Well collection...a payment plan for your debt, but there’s a few...Streamline Payment Agreement can provide assistance, but as.... Since you don’t have much of a choice...
    3. demcad.blogspot.com/   02/07/2013
      ...Reginald Kaigler ( DEMCAD ) Face Reality: U.S. Can't Pay off DEBT I recently interviewed financial...as more supplies arrive, but you can't afford to abandon your other emergency ...
    4. itslifejimbutnotaswknowit.blogspot.com/   04/06/2009
      ...article here . ' Can't Pay, Won't Pay ' reemerges as a... that Iceland can really repay- it's only a question...whether they sell themselves into debt-peonage before everyone ...
    5. cambridgecredit.wordpress.com/   09/11/2012
      ...because we can’t pay our ...indicate that debt ... debt ... two “pay or appear... arrest can be made. It...please don’t depend on...
    6. talesofthenewworld.blogspot.com/   01/15/2008
      ... money from us and always paid it back on time. Their word was good...robber." February 27, 1994 Critics Can't Dim Alamo Symbolism In the summer of 1960 I...
    7. laroucheirishbrigade.wordpress.com/   08/06/2012
      ...husband Nestor Kirchner’s 2003 warning to the UN General Assembly that “the dead can’t pay their debts.” He explained there why the imposition of austerity would never bring about a recovery...
    8. dandelionsalad.wordpress.com/   10/29/2012
      ...debt, and today the same can be said of the...volume of private-sector debt. One way or another, there...debts are paid in an illusory...of debts won’t be paid. The...
    9. ilene.typepad.com/ourfavorites/   04/15/2012
      Debts that can’t be paid, won’t be Courtesy of Michael...the various types of debts won’t be paid. The choice is between...
    10. neosolomon.blogspot.com/   06/25/2011
      ...expediency of a “voluntary rollover” of debt, as discussed Friday...otherwise, kicking the can down the road with stopgap ...? Why Austerity Doesn't Matter: Greece Is Still...

      11. Can T Pay Debts - Blog Homepage Results

      Help with Credit Cards, Debt Free Partners No Hassle Debt Review, Call toll free 1-866-963-9988byDebtFreeDave
      http://debtnegotiationzone.blogspot.com/
      Can't Pay Your Credit Cards? Debt Free Partners can reduce your debt up to 60% of what you owe. For a no hassle...
      Academia can kiss my ass.byacademiablows
      http://academiablows.wordpress.com/
      ...forty thousand dollars in debt. All I’ve learned in the...that I am, indeed, a feminist, I can pay my own rent, and I don’t like studying, writing...
      success parenting: four foundations of adult achievementbywhatkidsneedtosucceed
      http://whatkidsneedtosucceed.wordpress.com/
      ... a step back and not being superwoamn can be cathartic. Reply thekidscoach 2 February 2012 at...Will Be Mine? Exploring Hard Work for Debt-free Future Love Ya, Girlfriend! Time to Stop...
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