2013년 11월 30일 토요일

About 'books on debt'|Book Review - Debt: The First 5,000 Years by David Graeber







About 'books on debt'|Book Review - Debt: The First 5,000 Years by David Graeber








COMMENTARY               |               Everyone               wants               to               be               the               hero               and               not               the               villain               when               it               comes               to               the               debt               crisis               in               Washington.

After               dueling               bills               on               Friday               and               Saturday,               now               negotiators               tell               the               media               both               sides               are               suddenly               "very               close               "               to               a               debt               deal               today               with               a               deadline               of               default               looming               Tuesday.

Both               sides               blamed               the               other               for               not               getting               a               deal               done               sooner.

The               GOP               wants               to               have               sharp               government               spending               cuts.

Democrats               want               a               balance               of               cuts               and               higher               taxes               for               the               rich.

The               proposal               on               the               table               now               raises               the               debt               ceiling               until               past               the               2012               general               election,               adds               a               balanced               budget               amendment               debate               to               Congress               and               doesn't               raise               taxes.
               This               last-minute               deal-making               is               the               same               thing               that               happened               in               December               2010               when               the               session               of               Congress               was               about               to               end.

President               Barack               Obama               made               a               deal               with               Republicans               to               keep               the               Bush-era               tax               cuts               on               the               books               for               the               wealthy               while               approving               unemployment               benefits               for               the               poor.

Later               in               the               session,               the               military               policy               of               "don't               ask,               don't               tell"               about               gays               serving               in               the               armed               forces               was               repealed               to               allow               openly               gay               citizens               to               serve               in               the               military.
               What               motivated               Congress               and               the               White               House               to               get               stuff               one               then               is               the               same               thing               that               they're               doing               now.

Everyone               loves               a               hero.

They               want               Superman               to               stop               the               nuclear               missile               at               the               last               second.

Spider-Man               saves               Mary               Jane               just               as               the               Green               Goblin               is               going               to               make               her               plunge               into               the               Hudson.

Congress               and               Obama               save               the               world               economy               from               a               crisis               of               epic               proportions               within               hours               of               the               debt               default               deadline.
               Things               won't               change               until               after               the               2012               general               election,               if               at               all.

When               everyone               gets               to               be               the               hero               on               debt               default               day,               the               heroes               will               be               re-elected.

Speaker               of               the               House               John               Boehner               and               Senate               Majority               Leader               Harry               Reid               aren't               winning               this               fight               by               sticking               to               their               guns,               they               become               the               perceived               heroes               by               signing               a               peace               treaty               with               the               opposing               party.
               Everyone               in               politics               should               realize               the               same               thing.

Nothing               gets               done               when               the               participants               in               the               process               play               with               fire               because               everyone               gets               burned.

It's               a               tried               and               true               cliche               that               even               kindergartners               know.

It's               always               the               polite               thing               to               share               with               one               another               instead               of               take               each               other's               toys.
               In               the               final               analysis,               Obama               will               use               this               situation               to               his               advantage               in               the               2012               election.

He               gets               to               say               that               Republicans               came               up               with               a               plan               for               fixing               the               debt               solution               even               though               they               were               the               ones               who               got               us               here               in               the               first               place.

The               GOP               seems               to               forget               it               was               in               2008               that               the               economy               went               under               due               to               predatory               home               lenders               under               the               watchful               eye               of               President               George               W.

Bush.
               The               situation               happened               after               the               Republicans               gave               the               wealthy               their               tax               cuts               in               the               first               place.

Add               to               that,               Republicans               willingly               raised               the               debt               ceiling               several               times               during               the               Bush               Administration               to               help               pay               for               two               costly               wars.
               Everyone               gets               to               be               a               hero               now.

But               then               things               will               get               nasty               when               the               2012               general               election               heats               up.
               William               Browning               is               a               research               librarian               specializing               in               U.S.

politics.

Born               in               St.

Louis,               Browning               is               active               in               local               politics               and               served               as               a               campaign               volunteer               for               President               Barack               Obama               and               Missouri               Sen.

Claire               McCaskill               .






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    1. adamsmithslostlegacy.blogspot.com/   12/16/2011
      ... Discuss Dr Graeber's Book On "Debt" A contributor (I am not sure of the author...exchange. A true believer in economics text books would correctly point out that ...
    2. timzaun.typepad.com/timzauncomtims_business_e/   11/10/2013
      ...on balancing meaning and merchandise during the holidays, please read my Debt-Proof Your Christmas book review, published on ezine articles.
    3. theprincesofhollywood.blogspot.com/   07/11/2007
      .... Today, at work with my iPod on, I got lost in song...sale numbers, mounting debt, unreturned booking emails, and that goddamn myspace...
    4. ragsdalesermons.blogspot.com/   05/15/2011
      ...into the full stature of Christ alone. Even on my best days I don’t get all...Jesus. Jesus dies to cover our debt, the books are squared, we get out...
    5. shrewdeconomist.blogspot.com/   02/25/2010
      ... PASOK party is still in denial about the crisis and will not deliver on promises. The insults have caused bitterness in Germany, ...
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      ... and lay people on the origins of money and debt, he uses his encyclopedic knowledge...impossible to do it full justice in a short book review. As such, I'll limit my ...
    7. financiallyfabulous.blogspot.com/   08/28/2011
      ...with great anticipation that I finally read her book Debt-Free Forever . The delay was due to a...the library and while Gail misses out on the revenue from an incremental book sale...
    8. herrnaphta.wordpress.com/   09/19/2011
      ...first encountering him in t his piece at Lenin’s Tomb . Recently, his book on debt has been getting a lot of press, and I noticed his spat...
    9. moneyasdebt.wordpress.com/   08/06/2011
      ...history have been over issues of debt that rather than markets and states...particularly ones that operated on cash instead of credit – largely emerged...
    10. bookcalendar.blogspot.com/   01/23/2008
      ... an awful lot of books to read. On the train to work, during my commute, I read a thin book called Debt Is Slavery and 9 Other Things I Wish My...
    11. Books On Debt - Blog Homepage Results

      From credit card debt, to books, friendships, kids, school, work..., and everything inbetween. It just goes on, and on, and on, and on............and on.
      ... to live better on less, save more, pay down debt and enjoy life with my husband and ...will include monthly goal making, book reading, and reviewing...
      ...2011. The Theory is based on a revolutionary monetary definition. The "Rule... structures in his new book, "The Rule of Money: a Solution to the Global Debt Crisis."



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    2013년 11월 29일 금요일

    About 'problem credit'|Some Same-Sex Couples Face Adoption Credit Problems with IRS







    About 'problem credit'|Some Same-Sex Couples Face Adoption Credit Problems with IRS








    If               you               have               poor               credit               scores,               it               can               affect               your               ability               to               borrow               all               kinds               of               essential               items               including               a               home               mortgage,               credit               cards               and               even               your               next               auto.

    Poor               credit               scores               may               signify               your               inability               to               repay               a               loan               to               a               finance               company,               and               it               makes               you               appear               to               be               a               greater               credit               risk.

    Even               with               this               obstacle,               if               you               are               in               the               market               for               a               new               car,               you               may               be               able               to               obtain               a               car               finance               loan               even               with               problem               credit               scores.

    Determine               Your               Credit               Score               
                   Assessing               your               credit               circumstance               is               an               important               initial               step.

    Experts               suggest               you               order               a               copy               of               your               credit               score               report               from               every               of               the               three               major               credit               report               score               bureaus:               TransUnion,               Equifax               and               Experian.

    Review               your               credit               scores               to               see               where               you               stand.

    Generally,               anything               over               700               is               considered               great               credit               score               eligible               for               the               best               finance               terms.

    If               your               score               is               under               500,               you               can               need               to               spend               some               time               correcting               your               credit               report               score               before               a               bank               will               lend               to               you.

    If               you               notice               any               inaccuracies               on               your               credit               score               report               that               may               be               dragging               your               scores               down,               send               a               certified               letter               to               each               of               the               reporting               bureaus               to               request               correction.

    Request               an               updated               report               reflecting               the               corrections.
                   Poor               Credit               Score               Loans               
                   Even               if               you               do               have               poor               credit,               many               financial               institutions               and               automotive               finance               companies               specialize               in               loans               for               consumers               with               damaged               or               less               than               perfect               credit               scores.

    Some               online               companies               specialize               in               connecting               consumers               with               finance               companies               that               offer               financing               for               both               used               and               new               cars               even               if               you               have               had               a               history               of               late               payments,               judgments,               liens               and               even               bankruptcy.

    You               may               also               be               able               to               take               out               a               loan               even               with               less               than               perfect               credit               from               your               local               credit               union.

    You               must               be               aware               that               you               will               in               all               probability               be               required               to               pay               a               higher               interest               rate               on               the               loan               due               to               your               poor               credit               scores.

    Some               lenders               may               also               charge               added               fees               on               the               loan               to               help               cover               their               costs               in               case               you               default.

    Many               consumers               with               poor               credit               are               looking               online               for               their               car               finance               needs.

    With               an               online               lender,               you               are               more               likely               to               receive               a               favorable               interest               rate               on               your               car               loan               and               have               fewer               requirements.
                   Refinance               Your               Car               Loan               
                   Once               you               are               able               to               get               a               car               loan,               even               if               you               pay               a               high               interest               rate,               you               may               be               eligible               to               refinance               car               loan               down               the               road               and               dramatically               lower               your               monthly               payments.

    Make               sure               you               make               all               of               your               payments               on               time               for               at               least               six               to               12               months.

    After               you               have               established               a               solid               history               of               payments,               you               may               apply               for               a               car               refinance               loan.

    A               refinance               will               assist               you               in               reducing               your               monthly               payment               by               lowering               your               interest               rate               or               shortening               the               term               you               are               paying.

    A               car               refinance               will               also               allow               you               to               build               equity               in               your               car               loan               faster               helping               you               pay               the               car               loan               off               quicker.
                   You               can               find               more               information               about               car               loans               and               car               refinancing               online               at               OpenRoad               Lending.

    There               you               will               find               useful               tips               on               negotiating               with               the               dealer               and               a               helpful               auto               finance               calculator               to               support               find               out               the               monthly               payments.
                   About               the               Author:               Chris               Goodman               has               been               in               the               auto               finance               business               for               more               than               20               years               and               has               assisted               thousands               of               consumers               with               their               car               loan               needs.

    He               is               an               expert               on               car               loans               and               assisting               consumer               with               car               refinancing.

    Find               more               information               at               online               at               OpenRoadLending.com               and               see               how               easy               it               is               to               get               your               next               car               loan.






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    8. themortgagecoach.wordpress.com/   03/11/2009
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    9. marbury.typepad.com/marbury/   03/29/2011
      ...of this intervention, Obama faces the same problem as he does on the economy. People just.... But not good enough to win him credit. Similarly in Libya, we face what will be, in narrative...
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      Credit Problems Impacting the Markets...year and some of them may run into problems if the credit markets remain tight. Sowood Capital...
    11. Problem Credit - Blog Homepage Results

      An informational blog about solutions to credit problems | Credit Solutions | Credit Card Solutions | Debt Burden Solutions
      If you need a bad credit loan in BC, you can use your home equity - here's how.
      Get Debt Reliefs Information which help you to Eliminate your debt problems legally ways.



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    About 'accounts receivables collections'|Measure of Performance for Credit, Collections and Accounts Receivable







    About 'accounts receivables collections'|Measure of Performance for Credit, Collections and Accounts Receivable








    It               can               often               seem               like               an               impossible               task               when               trying               to               collect               on               your               accounts               receivables.

    These               days,               with               cash               and               credit               tight,               your               90-150               day               outstanding               credit               columns               might               be               expanding               at               an               alarming               rate.

    Here               are               five               key               accounts               receivable               collection               tips               that               might               help               you               get               your               outstanding               debts               back               in               line.

    Develop               your               contacts               -               By               developing               a               report               with               your               accounts,               especially               larger               or               higher               frequency               accounts               can               payoff               big               time               when               it               comes               to               collecting               debts               that               are               owed               to               you.

    Spend               a               couple               minutes               getting               to               know               a               company's               accounts               payable               person               or               any               other               contacts               that               might               be               involved               in               the               billing               or               payments               review               process.

    Knowing               something               personal               about               them,               their               family               or               hobbies               can               be               a               great               way               to               break               the               ice               when               you               call               to               inquire               about               payments,               and               keep               relations               smooth               during               rocky               times.
                   Keep               a               call               list               -               When               you're               working               with               multiple               accounts,               it's               easy               to               forget               when               you               made               your               last               collection               call.

    You               should               have               a               file               with               a               call               sheet               for               each               account               you               have               open,               as               well               as               retaining               those               call               sheets               for               accounts               that               are               inactive               or               currently               do               not               owe,               for               payment               history               purposes.

    This               will               keep               confusion               to               a               minimum,               and               help               you               avoid               embarrassing               calls               to               accounts               you               may               already               have               called               or               did               not               call               soon               enough.
                   Stay               consistent               -               Calling               for               five               day's               in               a               row,               and               then               waiting               a               month,               and               then               calling               another               five               days               in               a               row,               is               probably               only               going               to               anger               your               account               and               make               you               look               unprofessional.

    Make               sure               that               you               touch               bases               with               an               account               early               after               you               send               a               bill,               first               off               to               ensure               they               receive               the               bill               and               it               made               it               to               the               right               department               or               person,               and               secondly               to               see               if               there               are               any               questions               or               concerns               regarding               the               bill.

    Continue               to               call               on               a               regular,               but               not               annoyingly               frequent               basis               to               remind               the               account               that               they               still               owe               money.
                   Be               firm               but               not               pushy               -               You               can               be               understanding,               fair,               even               kind               at               times,               but               don't               be               afraid               to               use               the               means               at               your               disposal               to               get               your               money.

    Telling               an               account               that               services               will               be               stopped               if               they               don't               pay,               or               that               they               will               be               turned               over               to               collections               (after               the               proper               amount               of               time               and               effort               on               your               part               of               course)               isn't               being               mean,               it's               just               being               fair.

    They               used               your               services               or               bought               your               company's               product               and               now               it               is               time               for               them               to               pay               what               is               due.
                   Ask               for               tracking               numbers               -               If               you               have               worked               in               accounts               receivable               or               owned               a               small               business               in               which               you               have               to               deal               with               collecting               on               your               accounts,               I               bet               you've               heard               this               one               before,               "The               check               is               in               the               mail"               or               "I               sent               it               FedEx".

    If               they               did               indeed               send               the               check               through               a               delivery               service               or               certified               mail,               ask               for               a               tracking               number.

    This               way               you               can               verify               the               validity               of               their               statement               regarding               payment               as               well               as               determine               how               long               it               will               be               before               you               receive               payment.
                   Disclaimer:
                   This               article               is               for               informational               purposes               only.

    Any               action               taken               by               the               reader               due               to               the               information               provided               in               this               article               is               at               the               reader's               discretion.






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