Coming soon! A Debt Paid in the Marriage Bed by Jennifer Hayward will be available Feb 21, 2017.

As Europe began to grow rich during the Middle Ages, its wealth materialized in the well-made clothes, linens, and wares of ordinary households. Such items were indicators of one’s station in life in a society accustomed to reading visible signs of rank. In a world without banking, household goods became valuable commodities that often substituted for hard currency. Pawnbrokers and resellers sprang up, helping to push these goods into circulation. Simultaneously, a harshly coercive legal system developed to ensure that debtors paid their due.

Focusing on the Mediterranean cities of Marseille and Lucca, Legal Plunder explores how the newfound wealth embodied in household goods shaped the beginnings of a modern consumer economy in late medieval Europe. The vigorous trade in goods that grew up in the fourteenth and fifteenth centuries entangled households in complex relationships of credit and debt, and one of the most common activities of law courts during the period was debt recovery. Sergeants of the law were empowered to march into debtors’ homes and seize belongings equal in value to the debt owed. These officials were agents of a predatory economy, cogs in a political machinery of state-sponsored plunder.

As Daniel Smail shows, the records of medieval European law courts offer some of the most vivid descriptions of material culture in this period, providing insights into the lives of men and women on the cusp of modern capitalism. Then as now, money and value were implicated in questions of power and patterns of violence.

Discover the Top 5 Secrets to Graduating College Debt-Free! If you’ve ever wondered whether it’s true … REALLY TRUE … that … you can … • Graduate college owing little to NO debt … • Have someone else pay for your college education… • Not have your parents pay a single dime for your college education… • Get money for college without you having the highest GPA or SAT scores… • Get paid to go to college • Not have to worry or stress about how you will pay next semester’s tuition • Win scholarships when everyone else says it’s impossible or a waste of time … then … allow Shanice Miller to PROVE it to you. Shanice entered the summer before college without having any knowledge about college or scholarships and was easily on her way to being over $200,000 in debt when she graduated. After realizing just how much college was going to cost, she knew she had to do something fast so she started applying for scholarships. By graduation day, Shanice had graduated college 100% debt-free and had even received over $10,000 in refund checks from the college. What turned Shanice Miller around? The answers are between the covers of How to Graduate College Debt-Free With Money in the Bank. Now All of These College and Scholarship Secrets Are Yours!

Learn more about how to become a Valcor Licensee providing small business restructuring, debt mediation, and capital acquisition.
http://ValcorWorldwide.com

The staggering United States debt has a direct impact on every American, yet few are aware of where the debt came from and how it affects their lives
The United States has a debt problem—we owe more than $18 trillion while our gross domestic product, the value of all goods and services produced in America, is only $17.5 trillion. To pay down the debt, some recommend austerity, cutting federal expenditures. Others suggest increasing taxes, especially on the wealthiest Americans. In Understanding the National Debt: What Every American Needs to Know, economic historian Carl Lane urges that the national debt must be addressed in ways beyond program cuts or tax increase alternatives, but change can only occur when more Americans understand what constitutes our debt and the problems it causes. The gross national debt is composed of two elements: the public debt and “intragovernment holdings.” The public debt consists of bonds, bills, and notes purchased by individuals, banks, insurance companies, hedge and retirement funds, foreign governments, and university endowments. Intragovernment holdings refers to money that the U.S. Treasury borrows from other parts of the government, principally Social Security and Medicare. This accounts for approximately a quarter of the gross national debt, but that is money that we owe to ourselves, not another entity. The more the government borrows, the less is available for private sector investment, creating a “squeeze” effect that inhibits economic growth. The most burdensome problem is the interest due each year on the debt. Every dollar spent on interest is a dollar less for other purposes. Those elements of the federal budget which are termed “discretionary” suffer. The mandatory elements of the budget—Social Security, Medicare, Medicaid, and the interest on the debt—must be provided for, but defense and national security, education, energy, infrastructure repair and development, and other needs wind up with less. By understanding the national debt we have an opportunity to address our real debt challenge—its principal and interest.

Strategies and tools to live debt free

The world of borrowing and debt management has changed dramatically, leaving people confused about how best to secure their financial future. This book is the only guide with detailed advice to help you become debt free or master the debt you have, based on the latest laws and new government programs and policies implemented under the Obama administration.

Is the information and advice on debt management different than in years past? Definitely. In this savvy, engaging guide, bestselling financial expert Jordan Goodman will tell you how to

Win the mortgage game: avoid foreclosure, obtain the best refi, and modify your mortgage even if it is “under water” Clean up your credit report and dramatically boost your credit score Negotiate new terms and payments for burdensome medical bills, student loans, and credit cards Protect yourself from the devastation of identity theft Master the new credit card rules, and avoid the rate and fee traps Learn a revolutionary strategy that will help you become mortgage free in 5 to 7 years, change the way you pay all your bills, and save hundreds of thousands of dollars

Master Your Debt recommends many pioneering strategies as it lays out an innovative plan for achieving the elusive goal of financial success. The book is filled with helpful web sites, toll free numbers, associations and government agencies, and vetted companies and services to help you implement this advice. In today’s volatile economy, getting out of debt is the key to surviving and thriving, and author Jordan Goodman provides you with the strategies and tools to live debt free.

More info at http://www.debtcounsellinghelp.co.za or
call us at: 076 514 3756 (in South Africa)

We will notify the National Credit Regulator and all your creditors that you have applied for Debt Counselling as soon as we receive your completed form 17 application form via fax or email.

The NCR will then notify all credit bureaus that you are in debt counselling. When someone does a credit check on your profile, they will see that you are in debt counselling. Under ‘notes’ on your credit file is will state ‘under debt review’.

Creditors may not give you credit when they see this note on your credit file.
When you completed your debt counselling, the note will be removed from your credit file. We will notify the NCR and credit agencies that you are debt free and they will remove the note from your file.

You are now free to apply for credit again.

Small island developing states (SIDS) are widely acknowledged to be among the most economically vulnerable in the world. As small open economies, SIDS are especially exposed to external shocks. The environmental, economic, and social difficulties stemming from climate change, rising sea levels, and natural disasters exacerbate the significant risks to the sustainable development of SIDS. In spite of the critical impact of high and rising debt levels on the developmental fortunes of these nations, very little comprehensive and rigorous academic research has been conducted on the nexus between debt and development in these vulnerable economies.

Debt and Development in Small Island Developing States draws on the expertise of established researchers and public officials from the SIDS community to answer the following questions: What has been the nature and extent of the debt experience in SIDS? What are the drivers of debt accumulation in such countries? What are the characteristics of SIDS that explain their propensity to indebtedness? And what are the prospects for debt sustainability in such countries over the medium term? This edited volume contributes to the literature by highlighting the essential elements of an agenda for achieving debt sustainability in SIDS.