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Home - Category: Uncategorized

Category: Uncategorized

Erase 50% of Past Due Balances Legally and Ethically

Posted on February 3, 2019 in Uncategorized

How would it feel to have your debt legally erased? Did you also know anyone who has a 10k balance on their credit-card will pay over $40,000 in interest and will take them almost 40 years to pay off?

Fact: Credit cards have become a debt trap for many Americans.

Fact: The average American can now legally and ethically reduce their credit-card debt by 50%.

Fact: Plastic dishes another euphemism for debt.

Credit institutions gloss over the fact that a single credit-card bankrupted almost 1 in 73 people in America last year. Interest rates are at all-time high in America and anyone who has a credit-card is at the mercy of their credit institution who can change their interest rate with no legal repercussions at this time.

Fact: The credit charge you make today could amount to thousands of dollars in interest.

There is no reason why the American should stay in debt when free information is available to help them erase 50% of their past due obligations that they owe to financial institutions. And because of this, many companies are starting to release free information that can help the average consumer erase half of what they owe without having to file bankruptcy and ruin their financial life.

This next year Congress will start passing laws that prohibit financial institutions from changing their interest rates in order to steal everything that you own. Every American who has a past due balance should see if they can legally get their debt erased.

Exercise your rights.Get out of debt.

Top 3 Tips for Serving Dishes

Posted on January 8, 2019 in Uncategorized

Many people always hold parties using serving dishes. Others go about it the wrong way, get bogged down, and fail with the right type. One secret to successful completion is to get a detailed knowledge about them, and this will take you on the right road. Failing to doing this right may have disastrous consequences. You can actually find yourself embarrassing condition, or perhaps broke the good mood of party.

Listed below are a trio of tips to protect against that sort of failure, and succeed.

1st, choose the proper design pattern. You need to go to the marketplace to have a look at the design patterns, because that will assist you to avoid choosing the wrong kind. So please do not make the error of disregarding this important point.

Second, it is the function and the occasion you are going to consider. Nearly as essential as the design pattern whenever dealing with serving dishes is to use the right type in right occasion such as formal or casual. I am here to tell you, you won’t want to overlook this.

Finally, purchase these serving dishes carefully on the Internet. When you’re buying these dishes online, be sure that is a legal company. This would assist with saving your money such as shipping fees, and that is important to buy the normal quality. Failing that you may be cheated by some frauds. And I believe we could agree this would not be good…

As stated above, if you want to achieve success at holding a party with these dishes, you need to stay away from the forms of errors that might cause you to wind up the embarrassing condition, and even broke the good mood of party. What you want is to buy the tight serving dishes, and you may reach this by following the tips above.

Breaking Dishes in the Credit Market

Posted on January 6, 2019 in Uncategorized

Parents have a sixth sense that warns us when a small child has been too quiet for too long. We call out “What are you doing?” and the little munchkin chirps back, “I’m helping you! I’m washing all the nice china!”

The next thing we hear is a loud crash.

So it goes with President Obama and the current Congress. They want to help, but they just can’t keep from breaking the dishes.

Take, for example, their latest effort to ensure that investors get adequate information from credit rating agencies. The legislative fix was included in the recently passed financial regulatory reform act.

Thanks to this particular reform, would-be buyers of the affected securities now receive no ratings at all. Oops.

The Securities and Exchange Commission has for a long time required asset-backed securities to have ratings from established agencies like Standard & Poor’s, Moody’s or Fitch. Asset-backed securities are instruments such as auto loans that are packaged into bonds before being sold to investors.

When the credit markets crashed, it became evident that many of these securities were riskier than the agencies had thought. The bonds lost their Triple-A ratings, and their values plummeted. Investors lost a lot of money.

The financial legislation that Obama signed on July 21 attempts to make the credit ratings agencies more accountable for their perceived failures. These firms now are exposed to claims of “expert liability,” the same legal risks facing accountants and other parties involved in bond sales.

The agencies’ response was quick and definitive. They stopped letting bond-sellers use their ratings. Rating agencies do not have crystal balls. Sooner or later a security they’d rated highly would be bound to default, leaving the raters on the hook under the new standard. The only way the agencies could ensure that they would never be wrong was to get out of the guessing game.

This was a potentially shattering development for the president and his fellow Democrats on Capitol Hill. One of the keys to getting the economy rolling again is to restore a healthy flow of credit, as voters are likely to remind Washington in November. Asset-backed securities are essential to the credit market because they allow lenders to quickly recoup most of their funds so they can lend again.

But SEC rules require the investment bankers who create such securities to have them rated, and the new law made this impossible by prompting the rating agencies to quit a game that now seemed rigged against them. The market for these asset-backed securities was immediately dead in the water.

As a result, the SEC temporarily suspended the rule requiring securities to be rated.(1) This six-month suspension, in theory, is to allow credit rating agencies to implement policy changes to comply with the new law. In the meantime, securities will be sold without ratings.

What will be different in six months? Nothing, other than the upcoming elections will be history – though the SEC would never acknowledge that political considerations enter into its rule making.

Actually, one more thing will be different six months from now: we will have a new Congress. Maybe the incoming group of legislators will be mature enough to fix the new law so the ratings agencies will conclude it is safe to re-enter this line of business.

Or the SEC might just let the marketplace decide whether it needs ratings at all. If the asset-backed securities market can function during the next six months without ratings, then the original SEC requirement will be exposed as having been pointless, and the new liability standard will stand as nothing more than an attempt to give unhappy investors one more deep pocket to sue.

It’s pretty upsetting when valuable things get broken, and it’s easy to get mad if you have repeatedly warned your little tyke to stay out of the china closet. But we must be patient with little children, inexperienced presidents and congressional Democrats. They are only trying to help.

Sources:

(1) Bloomberg Business Week: SEC Grants Six-Month Delay on Asset-Backed Ratings Disclosure

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