America is currently involved in one of the worst economic crises of modern times. As alarm increases over how the government will balance the budget, handle the debt, and maintain prosperity for the future, the minutia of debts and deficits remains incomprehensible to many. Why is it so hard to find ways to resolve the fiscal crisis? This brief and intelligible book is a guide to understanding both the difficulties involved in managing the federal budget and why the on-going fiscal crisis is so significant for America’s future.

In order to introduce the reader to the basic composition of federal spending and to the ways that the government raises revenue, Hudson begins his guide with a “map” clarifying how to navigate the federal budget. He defines basic financial vocabulary and outlines concepts by using clear charts and diagrams that both provide basis for discussion and illustrate key points. With this budget map in mind, the second part of the book lays out how the partisan divide in America helps explain the fiscal crisis. Hudson analyzes the debate on the extent of the fiscal crisis, the ways that political parties have tried to solve it, and the political events and institutions that have surrounded the crisis.

This citizen’s guide reveals how differing views of America inform the arguments over deficits and debt. By the time readers finish the book, they will understand that the conflict over deficits and debt is not simply about where to cut or add spending, but instead is a struggle over national priorities and visions for the future.

If you are one of the millions of individuals that have outstanding debt, and would like to know what your rights are, this book is for you. In this book, you will get a basic understanding of what your rights are when debt collectors contact you. You will know if that letter you received in the mail is in compliance of with the law. As you read you will learn what your rights are while dealing with the collectors of this debt. When you are finished you will have the knowledge to defend yourself against any unscrupulous collectors. Should all else fail and the debt is overwhelming, you will gain the knowledge and understanding of your rights under the bankruptcy laws. You will gain insight into the applicable chapters of bankruptcy, which chapter is best for your situation. More importantly, you will learn how to navigate through the process without employing a costly attorney.

Whether mediation is court ordered, required by some prior contract/agreement, or occurs as a result of parties to a lawsuit agreeing to mediate, mediation is often an excellent opportunity to resolve a lawsuit. In his 19 years as trial lawyer, Jason McGrath has mediated many cases and in this video he explains how mediation works.

www.mcgrathspielberger.com

If you are in North Carolina, South Carolina, Georgia, Florida or Tennessee please fill out our confidential client intake form for legal assistance. http://mcgrathspielberger.com/contact-us

Our prediction for global economies and global asset markets heading into the turbulent 2016–2017 period is not meant to be alarmist, or a “Dr Doom” style forecast, but a realistic assessment of the facts around debt, demographics and disinflation, and then an extrapolation from those factors to individual economies and markets. Rather than simply being doomsayers, we intend to pen another book in 2017–2018, to take advantage of the expected undervaluation of global assets and economies that will occur as a result of the next recessionary phase. As such, we like to be contrarians, in both boom and bear cycles. Our strong sense is that the bull cycle that started in 2009, now nearly 7 years old, is slowly maturing. The time to make major asset allocation changes, whether you are a small investor or a major pension fund investor, is now, in advance of the turmoil. We are clear that we expect shares, property and other growth assets to fall by 30–50% in the coming 2 years. Commodities will fall by more than that, and currencies will fall by a fraction less. Either way, some major opportunities are there for the picking. We strongly advise our readers to think outside of the square, challenge consensus, be contrarian, and think for themselves, logically and sensibly. If they do, that is the path not just to profit but importantly to capital preservation in the turbulent years that lie ahead of us.

First came the financial and debt crisis in Greece, then government financing difficulties and rescue programs in Ireland in 2010 and Portugal in 2011. Before long, Italy and Spain were engulfed by financial contagion as well. Finally in 2012, the European Central Bank pledged to do “whatever it takes” to preserve the euro area with purchases of government bonds, a step that achieved impressive results, according to William R. Cline in this important new book.

One of the world’s leading experts on fiscal and debt issues, Cline mobilizes meticulously researched and forceful arguments to trace the history of the euro area debt crisis and makes projections of future debt sustainability. He argues that euro area leaders made the right decision to keep the euro from breaking apart but warns against complacency about the future. Cline contends that troubled European economies should continue their fiscal consolidation but that further debt restructurings for most countries are not called for. Greece is a special case and may need some further debt relief contingent on continued progress on fiscal and structural reform, however. In this landmark study, Cline offers a detailed analysis of the mistakes, successes, and options for Europe as it struggles to overcome its worst economic disaster since World War II.

Debt is often thought of as a mere economic variable governed by a simplistic mechanical logic, ignoring its other facets. Whose debt, and debt of what exactly? This volume analyzes debt as a political and social construct, with a multiplicity of purposes and agents. All of these are vectors of meanings that are highly diverse, and of subtle distinctions; they show that debt is a transverse phenomenon, cutting across spaces that are not merely economic but also domestic, social and political. Each contributor takes a fresh view of the subject, dealing with debt at a different time, in a different society, on a different scale of observation. By adopting a determinedly interdisciplinary approach, the authors reveal in the phenomenon of debt a diversity of social and gendered determinants that amount in some cases to domination, allegiance or slavery, and in others to solidarity and emancipation. Debt is at one and the same time shared, imposed, political and gendered.

Debt consolidation home loans: how Aussies are paying less interest & saving // If you’re juggling multiple debts, one way to simplify your finances is to bring all your loans together to make one monthly repayment. Consolidating debt into your home loan can not only make managing your finances easier, if you structure your repayments in the right way, can also help you save money in the long run.

0:45 What are debt consolidation home loans?
1:20 What are the benefits of consolidating debt?
2:07 What should you watch out for?
3:17 How to get approved for a debt consolidation loan
3:35 Can you consolidate debt if you have bad credit?

Choose a time to speak to an expert to discuss your situation and help find a consolidation option that will fit your specific needs: https://www.lendi.com.au/lp/book-appointment/

Join our Facebook group ‘Home Loan Hacks Australia’ to ask any questions about home loans:
https://www.facebook.com/groups/home.loan.hacks.au/

For more information on important home loan topics, check out these videos below:

Impact of credit scores on home loans :
https://www.youtube.com/watch?v=1Lo5Vo6b2cs
How to refinance your home loan:
https://www.youtube.com/watch?v=Vvuz9RJdgtk

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Watch this video again: https://youtu.be/h3bJYjRpTM4

If you’ve ever been caught in cash crunch you know how hard it can be to dig yourself out of trouble. Debts take over your life, bills pile up and then the phone starts to ring as collection agencies circle overhead. No one wants to be in this position, but there is a way out with the help of non-profit credit cousellors. They can really make a difference. They will teach you how to budget, provide basic credit counselling and talk you through your options in terms of negotiating with your creditors.

Basic services like counselling and debt management workshops are low cost—or in some cases no cost—and the money they can save you is more than worth your time. The hardest part is asking for help. Bruce Sellery walks you through the different services available and explains how they work.

Links to some non-profit credit counseling agencies

Credit Counselling Society — www.nomoredebts.org
Credit Canada — www.creditcanada.com
Consolidated Credit — www.consolidatedcredit.ca
Money Mentors — www.moneymentors.ca

Summons from creditors is one of the expected outcomes of a bankruptcy. Your creditors will file a case against you when you fail to pay. When this happens, you need to seek debt mediation. This kind of arrangement is also known as debt settlement. Usually, the creditor you owe money will hire a credit collection agency to represent them in the case.

For more information, check out their website: http://www.debtmediators.com.au

How a KZN entrepreneur ventured into debt mediation
Sabelo Thusi says being in business can be challenging and lonely, but with passion, you are likely to succeed Sabelo Thusi, an entrepreneur from Pietermaritzburg in KwaZulu-Natal, aspires to help ind…