2013년 11월 26일 화요일

오전 2:03

By Joe Halladay

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About 'selling debt'|Five church properties sold, debt erased for Anglican Diocese of B.C.







About 'selling debt'|Five church properties sold, debt erased for Anglican Diocese of B.C.








Ｂａｃｋ               ｉｎ               ｔｈｅ               ｇｏｏｄ               ｏｌ'               ｔｒａｉｌｅｒ               ｐａｒｋ               ｄａｙｓ               ｏｆ               ｔｈｅ               '90ｓ,               ｍｙ               ｗｉｆｅ               ａｎｄ               Ｉ               ｔｏｏｏｋ               ｅｖｅｎｉｎｇ               ｗａｌｋｓ               ｔｏｇｅｔｈｅｒ               ｔｈｒｏｕｇｈ               ｏｕｒ               ｎｅｉｇｈｂｏｒｈｏｏｄ.

Ｏｎ               ｏｎｅ               ｐａｒｔｉｃｕｌａｒ               ｎｉｇｈｔ,               ｗｅ               ｎｏｔｉｃｅｄ               ａ               ｆｅｗ               ｔｈｉｎｇｓ               ａｂｏｕｔ               ｏｕｒ               ｎｅｉｇｈｂｏｒｓ,               ｔｈｅ               ｏｎｅｓ               ｗｈｏ               ｏｆｔｅｎ               ｃｏｍｐｌａｉｎｅｄ               ａｂｏｕｔ               ｈｏｗ               ｔｈｅｙ'ｄ               ａｌｗａｙｓ               ｂｅ               ｓｔｕｃｋ               ｉｎ               ｔｈｅ               ｔｒａｉｌｅｒ               ｐａｒｋ.

Ｆｒｏｍ               ｔｈｅ               ｒｏａｄ,               ｙｏｕ               ｃｏｕｌｄ               ｓｅｅ               ｇｉａｎｔ,               ｂｉｇ-ｓｃｒｅｅｎ               ＴＶｓ               ｔｈｒｏｕｇｈ               ａｌｍｏｓｔ               ｅｖｅｒｙ               ｗｉｎｄｏｗ.

Ｂｒａｎｄ-ｎｅｗ               Ｍｕｓｔａｎｇｓ               ｓａｔ               ｇｌｅａｍｉｎｇ               ｉｎ               ｓｅｖｅｒａｌ               ｄｒｉｖｅｗａｙｓ,               ｗｉｔｈ               35-ｆｏｏｔ               Ｓｅａ               Ｒａｙ               ｂｏａｔｓ               ａｌｏｎｇｓｉｄｅ               48-ｆｏｏｔ               ｍｏｂｉｌｅ               ｈｏｍｅｓ.

Ｗｅ               ｂｏｔｈ               ａｇｒｅｅｄ               ｔｈａｔ               ｍａｎｙ               ｏｆ               ｏｕｒ               ｎｅｉｇｈｂｏｒｓ,               ｗｈｏ               ｏｆｔｅｎ               ｍａｄｅ               ｆｕｎ               ｏｆ               ｍｙ               ｏｌｄ               '88               Ｃｈｅｖｙ               Ｃｅｌｅｂｒｉｔｙ               ｗａｇｏｎ               (Ａ.Ｋ.Ａ.

"Ｔｈｅ               Ｄｒａｇｏｎ               Ｗａｇｏｎ")               ｔｈａｔ               ｗａｓ               ｆｏｕｒ               ｄｉｆｆｅｒｅｎｔ               ｃｏｌｏｒｓ               (ｉｎｃｌｕｄｉｎｇ               ｒｕｓｔ),               ｈａｄ               ｂａｓｉｃａｌｌｙ               ｄｏｏｍｅｄ               ｔｈｅｍｓｅｌｖｅｓ               ｔｏ               ｐｅｒｍａｎｅｎｔ               ｒｅｓｉｄｅｎｃｙ               ｉｎ               ｔｈｅｉｒ               ｏｖｅｒｓｉｚｅｄ               ｓａｒｄｉｎｅ               ｃａｎｓ.

Ｔｈｅｙ               ｂｉｔｃｈｅｄ               ｃｏｎｓｔａｎｔｌｙ               ａｂｏｕｔ               ｈｏｗ               ｔｈｅｙ               ｗｅｒｅ               ｎｅｖｅｒ               ｇｏｎｎａ               ｇｅｔ               ｏｕｔ               ｏｆ               Ｇｒａｎｄ               Ｏａｋｓ,               ｙｅｔ               ｔｈｅｙ               ｈａｄ               ｆｉｎａｎｃｅｄ               ｔｈｅｍｓｅｌｖｅｓ               ｕｐ               ｔｏ               ｔｈｅｉｒ               ｅｙｅｂａｌｌｓ               ｊｕｓｔ               ｓｏ               ｔｈｅｙ               ｃｏｕｌｄ               ｈａｖｅ               ｎｉｃｅｒ               ｔｏｙｓ               ｔｈａｎ               ｅｖｅｒｙｏｎｅ               ｅｌｓｅ.
               Ｔｈｅ               ｍｏｓｔ-ｈｅａｖｉｌｙ               ｍａｒｋｅｔｅｄ               ｃｏｎｓｕｍｅｒ               ｐｒｏｄｕｃｔ               ｉｎ               Ａｍｅｒｉｃａ               ｉｓ               ｄｅｂｔ.

Ｔｈｅ               ａｖｅｒａｇｅ               Ａｍｅｒｉｃａｎ               ｈａｓ               ｍｏｒｅ               ｔｈａｎ               $10,000               ｉｎ               ｃｏｎｓｕｍｅｒ               ｄｅｂｔ               ａｎｎｕａｌｌｙ,               ａｎｄ               ｓｏｍｅ               ｆａｍｉｌｉｅｓ               ａｒｅ               ｉｎ               ａｓ               ｄｅｅｐ               ａｓ               $100,000.

Ａｃｃｏｒｄｉｎｇ               ｔｏ               ａ               ｒｅｃｅｎｔ               ＵＳＡ               Ｔｏｄａｙ               ａｒｔｉｃｌｅ,               78%               ｏｆ               Ｂａｂｙ               Ｂｏｏｍｅｒｓ               ｈａｖｅ               ｍｏｒｔｇａｇｅ               ｄｅｂｔ,               59%               ｈａｖｅ               ｃｒｅｄｉｔ               ｃａｒｄ               ｄｅｂｔ,               ａｎｄ               56%               ｈａｖｅ               ｃａｒ               ｐａｙｍｅｎｔｓ               ｔｏｏ               ｂｉｇ               ｆｏｒ               ｔｈｅｉｒ               ｂｕｄｇｅｔ.

Ｔｈａｔ               ｉｓ               ｔｈｅ               ｒｅａｓｏｎ               ｓｏ               ｍａｎｙ               Ａｍｅｒｉｃａｎｓ               ｈａｖｅ               ｎｏ               ｅｍｅｒｇｅｎｃｙ               ｆｕｎｄ,               ａｎｄ               ａｒｅ               ｔｗｏ               ｐａｙｃｈｅｃｋｓ               ａｗａｙ               ｆｒｏｍ               ｆｏｒｅｃｌｏｓｕｒｅ.

Ｔｈｉｓ               ｆｉｓｃａｌ               ｉｒｒｅｓｐｏｎｓｉｂｉｌｉｔｙ               ｉｓ               ｂｕｔ               ａ               ｓｙｍｐｔｏｍ               ｏｆ               ａ               ｍｕｃｈ               ｄｅｅｐｅｒ               ｐｒｏｂｌｅｍ               ａｍｏｎｇ               Ａｍｅｒｉｃａｎ               ｈｏｕｓｅｈｏｌｄｓ.
               Ｔｈｅ               Ｒｏｏｔ               Ｃａｕｓｅｓ               ｏｆ               Ｅｘｃｅｓｓｉｖｅ               Ｄｅｂｔ
               Ｌａｃｋ               ｏｆ               ｄｉｓｃｉｐｌｉｎｅ               ｉｓ               ａ               ｓｅｒｉｏｕｓ               ｐｒｏｂｌｅｍ               ａｍｏｎｇ               Ａｍｅｒｉｃａｎｓ.

Ｔｈｅ               ｃｏｎｃｅｐｔ               ｏｆ               "ｄｅｌａｙｅｄ               ｇｒａｔｉｆｉｃａｔｉｏｎ"               ｔｏｔａｌｌｙ               ｅｓｃａｐｅｓ               ｔｈｅｍ.

Ｌｉｋｅ               ｓｐｏｉｌｅｄ               ｃｈｉｌｄｒｅｎ,               ｗｈｅｎ               ｔｈｅｙ               ｓｅｅ               ｓｏｍｅｔｈｉｎｇ               ｔｈｅｙ               ｗａｎｔ,               ｔｈｅｙ               ｈａｖｅ               ｔｏ               ｈａｖｅ               ｉｔ               ｒｉｇｈｔ               ａｗａｙ,               ｅｖｅｎ               ｉｆ               ｔｈｅｙ               ｅｎｄ               ｕｐ               ｐａｙｉｎｇ               ｆｏｒ               ｉｔ               ｔｈｒｅｅ               ｔｉｍｅｓ               ｏｖｅｒ,               ｔｈａｎｋｓ               ｔｏ               ｃｒｅｄｉｔ               ｃａｒｄ               ｉｎｔｅｒｅｓｔ               ｒａｔｅｓ               ｔｈａｔ               ｃａｎ               ｏｎｌｙ               ｂｅ               ｄｅｓｃｒｉｂｅｄ               ａｓ               ｕｓｕｒｙ.

Ｈａｌｆ               ｔｈｅ               ｔｉｍｅ,               ｔｈｅ               ｔｈｉｎｇｓ               ｔｈｅｙ               ｗａｎｔｅｄ               ｓｏ               ｂａｄｌｙ               ｉｎ               ｔｈｅ               ｂｅｇｉｎｎｉｎｇ               ｂｅｃｏｍｅ               ｏｌｄ,               ｂｒｏｋｅｎ,               ｏｒ               ｏｂｓｏｌｅｔｅ               ｙｅａｒｓ               ｂｅｆｏｒｅ               ｔｈｅｙ               ａｒｅ               ｅｖｅｎ               ｐａｉｄ               ｏｆｆ.
               Ｉｔ               ｉｓ               ａ               ｆａｃｔ               ｔｈａｔ               ｔｈｅ               ａｖｅｒａｇｅ               ｆａｍｉｌｙ               ｗｉｌｌ               ｅｘｐｅｒｉｅｎｃｅ               ａｔ               ｌｅａｓｔ               ｏｎｅ               ｈｕｇｅ               ｎｅｇａｔｉｖｅ               ｆｉｎａｎｃｉａｌ               ｅｖｅｎｔ               ｅｖｅｒｙ               ｆｉｖｅ               ｙｅａｒｓ.

Ｗｈｅｎ               ａ               ｆａｍｉｌｙ               ｏｖｅｒ-ｅｘｔｅｎｄｓ               ｔｈｅｍｓｅｌｖｅｓ               ｆｉｎａｎｃｉａｌｌｙ,               ｉｔ               ｌｅａｖｅｓ               ｔｈｅｍ               ｌｉｔｔｌｅ               ｒｏｏｍ               ｆｏｒ               ｅｒｒｏｒ.

Ｗｈｅｎ               ｔｈｅ               ｉｎｅｖｉｔａｂｌｅ               ｌａｙｏｆｆ               ｏｒ               ｆａｃｔｏｒｙ               ｓｈｕｔｄｏｗｎ               ｏｃｃｕｒｓ,               ｏｒ               ｔｈａｔ               ｍａｊｏｒ               ｍｅｄｉｃａｌ               ｅｍｅｒｇｅｎｃｙ               ｅｖｅｎｔｕａｌｌｙ               ｈａｐｐｅｎｓ,               ｔｈｅｙ               ｆｉｎｄ               ｔｈｅｍｓｅｌｖｅｓ               ｓｔｕｃｋ.

Ｔｈｅｙ               ａｒｅ               ｈｏｕｎｄｅｄ               ｂｙ               ｒｕｔｈｌｅｓｓ               ｄｅｂｔ               ｃｏｌｌｅｃｔｏｒｓ,               ｓｕｆｆｅｒ               ｔｈｅ               ｉｎｄｉｇｎｉｔｙ               ｏｆ               ｆｏｒｅｃｌｏｓｕｒｅｓ,               ｗａｇｅ               ｇａｒｎｉｓｈｍｅｎｔｓ,               ｒｅｐｏｓｓｅｓｓｉｏｎｓ,               ａｎｄ               ｓｏｍｅｔｉｍｅｓ               ｅｖｅｎ               ｈａｖｅ               ｔｏ               ｄｅｃｌａｒｅ               ｂａｎｋｒｕｐｔｃｙ,               ｗｈｉｃｈ               ｔｈｅ               ｃｒｅｄｉｔ               ｉｎｄｕｓｔｒｙ               ｈａｓ               ｓｕｃｃｅｓｓｆｕｌｌｙ               ｌｏｂｂｉｅｄ               Ｃｏｎｇｒｅｓｓ               ｔｏ               ｍａｋｅ               ｉｔ               ｈａｒｄｅｒ               ｆｏｒ               Ａｍｅｒｉｃａｎｓ               ｔｏ               ｄｏ               ａｆｔｅｒ               ｈａｖｉｎｇ               ｃｏｎｖｉｎｃｅｄ               ｔｈｅｍ               ｔｏ               ｂｏｒｒｏｗ               ｍｏｒｅ               ｍｏｎｅｙ.
               Ｄｅｂｔ               ｅｆｆｅｃｔｉｖｅｌｙ               ｅｎｓｌａｖｅｓ               ｎｏｔ               ｊｕｓｔ               ｔｈｅ               ｂｏｒｒｏｗｅｒ,               ｂｕｔ               ａｌｓｏ               ｈｉｓ               ｏｒ               ｈｅｒ               ｆａｍｉｌｙ,               ｂｅｃａｕｓｅ               ｔｈｅｙ               ｍｕｓｔ               ｌｉｖｅ               ｕｎｄｅｒ               ｔｈｅ               ｓｔｒｅｓｓ               ｂｒｏｕｇｈｔ               ｏｎ               ｂｙ               ｔｈｅ               ｄｅｂｔ               ａｓ               ｗｅｌｌ.

Ａｃｃｏｒｄｉｎｇ               ｔｏ               Ｐｒｏｖｅｒｂｓ               22:7,               "Ｔｈｅ               ｒｉｃｈ               ｒｕｌｅ               ｏｖｅｒ               ｔｈｅ               ｐｏｏｒ,               ａｎｄ               ｔｈｅ               ｂｏｒｒｏｗｅｒ               ｉｓ               ｔｈｅ               ｓｌａｖｅ               ｏｆ               ｔｈｅ               ｌｅｎｄｅｒ"               (ＮＲＳＶ).

Ｉｔ               ｗａｓ               ｔｒｕｅ               ｓｅｖｅｒａｌ               ｍｉｌｌｅｎｎｉａ               ａｇｏ,               ａｎｄ               ｗｉｌｌ               ｂｅ               ｔｒｕｅ               ｕｎｔｉｌ               ｔｈｅ               ｅｎｄ               ｏｆ               ｔｉｍｅ.

Ａｓ               ｌｏｎｇ               ａｓ               ｙｏｕ               ｏｗｅ               ｓｏｍｅｏｎｅ               ｍｏｎｅｙ,               ｔｈｅｙ               ｌｉｔｅｒａｌｌｙ               ｏｗｎ               ｙｏｕ               ｌｉｋｅ               ａ               ｓｌａｖｅ.
               Ｄｉｒｔｙ               Ｔａｃｔｉｃｓ               Ｕｓｅｄ               ｔｏ               Ｉｎｓｕｒｅ               Ｃｏｎｔｉｎｕｅｄ               Ｓｅｒｖｉｔｕｄｅ
               Ｂａｃｋ               ｉｎ               ｍｅｄｉｅｖａｌ               Ｅｕｒｏｐｅ,               ｔｈｅ               ｆｅｕｄａｌ               ｓｙｓｔｅｍ               ｅｎｓｕｒｅｄ               ｔｈａｔ               ｔｈｅ               ｔｈｒａｌｌｓ               (ｏｒ               ｓｅｒｆｓ)               ｓｔａｙｅｄ               ｉｎ               ｄｅｂｔ               ｔｏ               ｔｈｅｉｒ               ｌａｎｄｌｏｒｄｓ.

Ｔｈｅｓｅ               ｉｎｄｅｎｔｕｒｅｄ               ｓｅｒｖａｎｔｓ               ｗｏｒｋｅｄ               ｕｎｄｅｒ               ｔｈｅ               ｎｏｔｉｏｎ               ｔｈａｔ               ｔｈｅｙ               ｗｏｕｌｄ               ｐａｙ               ｏｆｆ               ｔｈｅｉｒ               ｄｅｂｔｏｒｓ               ａｎｄ               ｅａｒｎ               ｔｈｅｉｒ               ｆｒｅｅｄｏｍ.

Ｍａｎｙ               ｔｉｍｅｓ,               ｊｕｓｔ               ｗｈｅｎ               ｔｈｅｓｅ               ｔｈｒａｌｌｓ               ｗｅｒｅ               ｏｎ               ｔｈｅ               ｂｒｉｎｋ               ｏｆ               ｐａｙｉｎｇ               ｔｈｅｉｒ               ｒａｎｓｏｍ               ｉｎ               ｆｕｌｌ,               ｔｈｅｉｒ               ｄｅｂｔｏｒｓ               ｏｆｆｅｒｅｄ               ｔｈｅｍ               ａ               ｎｉｃｅ               ｎｅｗ               ｍｕｌｅ,               ｏｒ               ｓｏｍｅ               ｎｅｗ               ｃｌｏｔｈｅｓ               ｏｒ               ｍａｙｂｅ               ｓｏｍｅ               ｆｕｒｎｉｔｕｒｅ.

Ｔｈｅｙ               ｗａｎｔｅｄ               ｓｏｍｅ               ｎｉｃｅ               ｎｅｗ               ｔｈｉｎｇｓ,               ｏｆ               ｃｏｕｒｓｅ,               ａｎｄ               ｗｏｕｌｄ               ｅｘｔｅｎｄ               ｔｈｅｉｒ               ｔｉｍｅ               ｉｎ               ｃｈａｉｎｓ               ｔｏ               ｐａｙ               ｆｏｒ               ｔｈｅｍ.
               Ｔｈｉｓ               ｂｅｃａｍｅ               ａ               ｖｉｃｉｏｕｓ               ｃｉｒｃｌｅ               ｗｉｔｈ               ｍａｎｙ               ｓｅｒｆｓ,               ａｎｄ               ｓｏｍｅ               ｎｅｖｅｒ               ｌｉｖｅｄ               ｌｏｎｇ               ｅｎｏｕｇｈ               ｔｏ               ｓｅｅ               ｆｒｅｅｄｏｍ.

Ｉｆ               ｔｈｅｙ               ｄｉｅｄ               ｗｉｔｈ               ｄｅｂｔ,               ｔｈｅｉｒ               ｆａｍｉｌｉｅｓ               ｗｅｒｅ               ｌｅｆｔ               ｔｏ               ｗｏｒｋ               ｉｔ               ｏｆｆ;               ｓｏｍｅ               ｄｅｂｔ               ｇｏｉｎｇ               ｂａｃｋ               ｓｏ               ｍａｎｙ               ｇｅｎｅｒａｔｉｏｎｓ,               ｔｈｅ               ｆａｍｉｌｙ               ｗｏｕｌｄ               ｎｅｖｅｒ               ｐａｙ               ｔｈｅｉｒ               ｄｅｂｔｏｒｓ               ｏｆｆ.

Ｔｈｅｎ               ｔｈｅｒｅ               ｗｅｒｅ               ｄｅｂｔｏｒ'ｓ               ｐｒｉｓｏｎｓ               ｗｈｅｒｅ               ｅｎｔｉｒｅ               ｆａｍｉｌｉｅｓ               ｗｅｒｅ               ｅｎｓｌａｖｅｄ               ｕｎｔｉｌ               ａ               ｄｅｂｔ               ｗａｓ               ｐａｉｄ.

Ａｌｔｈｏｕｇｈ               ｔｈｅｓｅ               ｌｏａｎ               ｓｈａｒｋ               ｔａｃｔｉｃｓ               ｈａｖｅ               ｌｏｎｇ               ｓｉｎｃｅ               ｂｅｅｎ               ｏｕｔｌａｗｅｄ,               ｍｏｄｅｒｎ               ｃｒｅｄｉｔ               ｃａｒｄ               ｃｏｍｐａｎｉｅｓ               ｕｓｅ               ｓｉｍｉｌａｒ               ｔａｃｔｉｃｓ               ｔｏ               ｅｎｓｌａｖｅ               Ａｍｅｒｉｃａｎｓ               ｆｉｎａｎｃｉａｌｌｙ,               ｆｉｒｓｔ               ｂｙ               ｅｎｔｉｃｉｎｇ               ｔｈｅｍ               ｗｉｔｈ               ｌｏｗ               ｉｎｔｒｏｄｕｃｔｏｒｙ               ｒａｔｅｓ,               ｔｈｅｎ               ｂｙ               ｋｅｅｐｉｎｇ               ｔｈｅｍ               ｃａｐｔｉｖｅ               ｗｉｔｈ               ｐｅｎａｌｔｉｅｓ,               ｒａｔｅ               ｈｉｋｅｓ,               ａｎｄ               ｈｉｄｄｅｎ               ｃｏｓｔｓ               ｎｏｔ               ｒｅｖｅａｌｅｄ               ｔｏ               ｔｈｅｍ               ｉｎ               ｔｈｅ               ｂｅｇｉｎｎｉｎｇ.
               Ｒｅａｄ               ｔｈｅ               Ｆｉｎｅ               Ｐｒｉｎｔ
               Ｙｅｓ,               ｔｈｅ               ｌａｗ               ｓａｙｓ               ｔｈａｔ               ｃｒｅｄｉｔ               ｃａｒｄ               ｃｏｍｐａｎｉｅｓ               ｈａｖｅ               ｔｏ               ｒｅｖｅａｌ               ｅｖｅｒｙｔｈｉｎｇ               ａｂｏｕｔ               ｔｈｅ               ｔｅｒｍｓ               ｉｎ               ｔｈｅ               ｆｉｎｅ               ｐｒｉｎｔ,               ｂｕｔ               ｈａｌｆ               ｔｈｅ               ｔｉｍｅ,               ｙｏｕ               ｈａｖｅ               ｔｏ               ｂｅ               ａ               ｌａｗｙｅｒ               ｔｏ               ｕｎｄｅｒｓｔａｎｄ               ｔｈｅｍ.

Ｓｏｍｅｔｉｍｅｓ               ａｌｌ               ｉｔ               ｔａｋｅｓ               ｉｓ               ａｎ               "ａｎｄ"               ｉｎ               ｐｌａｃｅ               ｏｆ               ａｎ               "ｏｒ"               ｔｏ               ｃｈａｎｇｅ               ｔｈｅ               ｍｅａｎｉｎｇ               ｏｆ               ａ               ｃｌａｕｓｅ.

Ｉ               ｃｏｎｓｉｄｅｒ               ｍｙｓｅｌｆ               ｔｏ               ｂｅ               ｏｆ               ａｔ               ｌｅａｓｔ               ａｖｅｒａｇｅ               ｉｎｔｅｌｌｉｇｅｎｃｅ,               ａｎｄ               Ｉ               ｎｅｖｅｒ               ｓｉｇｎ               ａｎｙｔｈｉｎｇ               ｂｅｆｏｒｅ               ｒｅａｄｉｎｇ               ｉｔ               ｔｈｏｒｏｕｇｈｌｙ,               ｂｕｔ               Ｉ               ｈａｖｅ               ｂｅｅｎ               ｈｏｏｄｗｉｎｋｅｄ               ｂｙ               ａ               ｍｉｓｌｅａｄｉｎｇ               ｓｅｎｔｅｎｃｅ               ｉｎ               ａ               ｃｏｎｔｒａｃｔ               ｔｈａｔ               Ｉ               ｓｗｏｒｅ               ｕｐ               ａｎｄ               ｄｏｗｎ               ｔｈａｔ               Ｉ               ｆｕｌｌｙ               ｕｎｄｅｒｓｔｏｏｄ.
               Ｐａｙ               ａｔｔｅｎｔｉｏｎ               ｔｏ               ｔｈｅ               ｃｏｌｏｒ               ｏｆ               ｔｈｅ               ｆｉｎｅ               ｐｒｉｎｔ               ａｓ               ｗｅｌｌ.

Ｉｔ               ｉｓ               ｎｏｔ               ｄａｒｋ,               ｊｅｔ               ｂｌａｃｋ               ｏｎ               ｂｒｉｇｈｔ               ｗｈｉｔｅ               ｐａｐｅｒ,               ｂｕｔ               ｒａｔｈｅｒ               ｖｅｒｙ               ｌｉｇｈｔ               ｓｉｌｖｅｒ               ｏｎ               ｃａｎａｒｙ,               ｃｒｅａｍ,               ｏｒ               ｐｉｎｋ               ｐａｐｅｒ.

Ｔｈｉｓ               ｉｓ               ｐｕｒｐｏｓｅｌｙ               ｄｏｎｅ               ｔｏ               ｉｎｄｕｃｅ               ｅｙｅｂａｌｌ               ｆａｔｉｇｕｅ               ｆａｓｔｅｒ,               ａｎｄ               ｍａｋｅ               ｙｏｕ               ｔｉｒｅ               ｏｆ               ｒｅａｄｉｎｇ               ａｎｙ               ｆｕｒｔｈｅｒ,               ｏｒ               ｔｏ               ｃｏｎｆｕｓｅ               ｔｈｅ               ｓｔｕｂｂｏｒｎ               ｒｅａｄｅｒｓ               ｌｉｋｅ               ｍｙｓｅｌｆ.

Ｉ               ｈａｖｅ               ｌｅａｒｎｅｄ               ｔｈｅ               ｈａｒｄ               ｗａｙ;               ｉｆ               ｔｈｅ               ｆｉｎｅ               ｐｒｉｎｔ               ｏｎ               ａ               ｆｉｎａｎｃｉａｌ               ｃｏｎｔｒａｃｔ               ｉｓ               ｅｖｅｎ               ｔｈｅ               ｌｅａｓｔ               ｂｉｔ               ｖａｇｕｅ               ｔｏ               ｙｏｕ,               ＤＯ               ＮＯＴ               ＳＩＧＮ               ＩＴ.
               Ｂａｓｉｃ               Ｃｒｅｄｉｔ               Ｔｒａｐｓ
               Ｅｖｅｒｙｗｈｅｒｅ               ｙｏｕ               ｇｏ,               ｔｈｅｒｅ               ａｒｅ               ｐｅｏｐｌｅ               ｅｎｔｉｃｉｎｇ               ｙｏｕ               ｔｏ               ａｐｐｌｙ               ｆｏｒ               ｃｒｅｄｉｔ               ｗｉｔｈ               ｇｉｖｅａｗａｙｓ,               ｉｎｃｅｎｔｉｖｅ               ｂｏｎｕｓｅｓ,               ａｎｄ               ｒｉｄｉｃｕｌｏｕｓｌｙ               ｌｏｗ               ｉｎｔｒｏｄｕｃｔｏｒｙ               ｒａｔｅｓ.

Ｙｏｕ               ｃａｎｎｏｔ               ｇｏ               ｔｈｒｏｕｇｈ               ａ               ｃｈｅｃｋｏｕｔ               ｌｉｎｅ               ａｔ               Ｔａｒｇｅｔ               ｗｉｔｈ               ｅｖｅｎ               ａ               ｔｉｎ               ｏｆ               Ａｌｔｉｏｄｓ               ｗｉｔｈｏｕｔ               ｔｈｅ               ｃａｓｈｉｅｒ               ｔｒｙｉｎｇ               ｔｏ               ｇｅｔ               ｙｏｕ               ｔｏ               ａｐｐｌｙ               ｆｏｒ               ａ               Ｔａｒｇｅｔ               ｃｒｅｄｉｔ               ｃａｒｄ.

Ｉｆ               ｙｏｕ               ｄｅｃｌｉｎｅ,               ｔｈｅｎ               ｔｈｅｙ               ｇｅｔ               ｐｕｓｈｉｅｒ,               ｔｒｙｉｎｇ               ｔｏ               ｌｕｒｅ               ｙｏｕ               ｉｎ               ｗｉｔｈ               ｔｈｅ               ｐｒｏｍｉｓｅ               ｏｆ               ａｎ               ｉｍｍｅｄｉａｔｅ               ｔｅｎ               ｐｅｒｃｅｎｔ               ｄｉｓｃｏｕｎｔ               ｆｏｒ               ｄｏｉｎｇ               ｓｏ.
               Ｅｖｅｒｙ               ｗｅｅｋ,               ｍｙ               ｍａｉｌｂｏｘ               ｃｏｎｔａｉｎｓ               ａｔ               ｌｅａｓｔ               ｏｎｅ               ｏｆｆｅｒ               ｏｆ               0%               ＡＰＲ               ｆｒｏｍ               ａ               ｍａｊｏｒ               ｃｒｅｄｉｔ               ｃａｒｄ               ｃｏｍｐａｎｙ.

Ｉ               ｈａｖｅ               ｌｅａｒｎｅｄ               ｍｙ               ｌｅｓｓｏｎ               ａｆｔｅｒ               ｇｅｔｔｉｎｇ               ｂｕｒｎｅｄ               ｂｙ               Ｃｉｔｉ;               ａ               12               ｍｏｎｔｈ               ＡＰＲ               ｏｆ               0%               ｂｅｉｎｇ               ｓｗｉｔｃｈｅｄ               ａｆｔｅｒ               ｍｙ               ｖｅｒｙ               ｆｉｒｓｔ               ｐｕｒｃｈａｓｅ               ｔｏ               ａｌｍｏｓｔ               25%!

Ｔｈｅｙ               ｃｌａｉｍｅｄ               ｔｈａｔ               ｔｈｅ               0%               ｗａｓ               ｏｎｌｙ               ｇｏｏｄ               ｉｆ               Ｉ               ｃｈａｒｇｅｄ               ｕｐ               ｔｏ               ｔｈｅ               ｌｉｍｉｔ               ｏｆ               $5,000,               ｗｈｉｃｈ               Ｉ               ｄｏ               ｎｏｔ               ｒｅｍｅｍｂｅｒ               ｒｅａｄｉｎｇ.

Ｕｐｏｎ               ｃｏｎｓｕｌｔａｔｉｏｎ               ｗｉｔｈ               ａｎ               ａｔｔｏｒｎｅｙ,               Ｉ               ｈａｄ               ｔｈｅ               ｖａｇｕｅｌｙ               ｗｏｒｄｅｄ               ｃｌａｕｓｅ               ｉｎ               ｔｈｅ               ｃｏｎｔｒａｃｔ               ｐｏｉｎｔｅｄ               ｏｕｔ               ｔｏ               ｍｅ,               ｗｈｉｃｈ               ｇａｖｅ               ｍｅ               ｎｏ               ｃｈｏｉｃｅ,               ｂｕｔ               ｔｏ               ｓｃｒａｐｅ               ｔｏｇｅｔｈｅｒ               ｗｈａｔ               Ｉ               ｏｗｅｄ,               ｐａｙ               ｉｔ               ｏｆｆ               ｃｏｍｐｌｅｔｅｌｙ,               ａｎｄ               ｃｌｏｓｅ               ｔｈｅ               ａｃｃｏｕｎｔ.

Ｔｈａｔ               ｗａｓ               ｔｈｅ               ｂａｄ               ｂａｔｃｈ               ｏｆ               ｈｅｒｏｉｎ               ｔｈａｔ               ｍａｄｅ               ｍｅ               ｓｗｅａｒ               ｏｆｆ               ｔｈａｔ               ｇａｒｂａｇｅ               ｆｏｒｅｖｅｒ.
               Ｔｏ               ｔｈｉｓ               ｄａｙ,               Ｉ               ｈａｖｅ               ｃｒｅｄｉｔ               ｃａｒｄ               ｃｏｍｐａｎｉｅｓ               ｔｒｙｉｎｇ               ｌｉｋｅ               ｈｅｌｌ               ｔｏ               ｒｕｉｎ               ｏｕｒ               ｈａｒｄ-ｗｏｎ               ｃｒｅｄｉｔ               ｒａｔｉｎｇ               ｂｙ               ｇｅｔｔｉｎｇ               ｕｓ               ｈｏｏｋｅｄ               ｉｎｔｏ               ｔｈｅ               ｎｅｖｅｒ-ｅｎｄｉｎｇ               ｃｙｃｌｅ               ｏｆ               ｂｏｇｕｓ               ｆｅｅｓ,               ｒａｔｅ               ｉｎｃｒｅａｓｅｓ,               ａｎｄ               ｐｅｎａｌｔｉｅｓ.

Ｉｆ               Ｉ               ｗｅｒｅ               ｔｏ               ｌｅｎｄ               ｍｏｎｅｙ               ｔｏ               ｏｔｈｅｒｓ               ｅｍｐｌｏｙｉｎｇ               ｔｈｅｓｅ               ｍｅｔｈｏｄｓ,               ｔｈｅｙ'ｄ               ｃａｌｌ               ｍｅ               ａ               ｌｏａｎ               ｓｈａｒｋ,               ａｎｄ               ｌｏｃｋ               ｍｅ               ｕｐ!
               Ｈｉｇｈ-ｒｉｓｋ               (Ｓｕｂ-Ｐｒｉｍｅ)               Ｌｅｎｄｉｎｇ
               Ｄｉｄ               ｙｏｕ               ｅｖｅｒ               ｗｏｎｄｅｒ               ｗｈｙ               ｔｈｅｒｅ               ｈａｖｅ               ｂｅｅｎ               ａ               ｒｅｃｏｒｄ               ｎｕｍｂｅｒ               ｏｆ               ｆｏｒｅｃｌｏｓｕｒｅｓ               ａｎｄ               ｂａｎｋｒｕｐｔｃｉｅｓ               ｉｎ               Ａｍｅｒｉｃａ               ｌａｔｅｌｙ?

Ｉｔ               ｉｓ               ｂｅｃａｕｓｅ               ｔｈｅ               ｌｅｎｄｉｎｇ               ｉｎｄｕｓｔｒｙ               ｈａｓ               ｂｅｅｎ               ｌｅｎｄｉｎｇ               ｍｏｎｅｙ               ｔｏ               ｆｏｌｋｓ               ｗｈｏ               ｈａｄ               ｎｏ               ｂｕｓｉｎｅｓｓ               ｂｏｒｒｏｗｉｎｇ               ｍｏｎｅｙ               ｉｎ               ｔｈｅ               ｆｉｒｓｔ               ｐｌａｃｅ.

Ｉｎ               ａ               ｐｒａｃｔｉｃｅ               ｋｎｏｗｎ               ａｓ               "ｐｒｅｄａｔｏｒｙ               ｌｅｎｄｉｎｇ",               ｐｅｏｐｌｅ               ｗｉｔｈ               ｖｅｒｙ               ｓｍａｌｌ               ｉｎｃｏｍｅｓ,               ｂａｄ               ｃｒｅｄｉｔ               ｒａｔｉｎｇｓ               ａｎｄ               ｆｏｒｍｅｒ               ｂａｎｋｒｕｐｔｃｉｅｓ               ａｒｅ               ｔｒｉｃｋｅｄ               ｉｎｔｏ               ｂｅｌｉｅｖｉｎｇ               ｔｈｅ               ｃｒｅｄｉｔ               ｃｏｍｐａｎｉｅｓ               ａｒｅ               ｄｏｉｎｇ               ｔｈｅｍ               ｆａｖｏｒｓ               ｂｙ               ｇｉｖｉｎｇ               ｔｈｅｍ               ｌｏｗ-ｐａｙｍｅｎｔ,               ｈｉｇｈ-ｉｎｔｅｒｅｓｔ               ｌｏａｎｓ.
               Ｔｈｅ               ｔｒｕｔｈ               ｉｓ,               ｔｈａｔ               ｍａｎｙ               ｃｏｎｓｕｍｅｒｓ               ｃａｎｎｏｔ               ｓｅｅ               ｐａｓｔ               ｔｈｅ               ｌｏｗ               ｍｏｎｔｈｌｙ               ｐａｙｍｅｎｔｓ,               ａｎｄ               ｄｏ               ｎｏｔ               ｒｅａｌｉｚｅ               (ｏｒ               ｃａｒｅ)               ｔｈａｔ               ｔｈｅｙ               ａｒｅ               ｐａｙｉｎｇ               ｉｎｔｅｒｅｓｔ               ｐａｙｍｅｎｔｓ               ａｓ               ｈｉｇｈ               ａｓ               29.99%               ｉｎ               ｓｏｍｅ               ｊｕｒｉｓｄｉｃｔｉｏｎｓ.

Ａｌｓｏ,               ｔｈｅｒｅ               ａｒｅ               ｏｔｈｅｒ               ｃｒｅｄｉｔ               ｔｒａｐｓ               ｆｏｒ               ｔｈｅｓｅ               ｈａｐｌｅｓｓ               ｂｏｒｒｏｗｅｒｓ,               ｓｕｃｈ               ａｓ               ｂａｌｌｏｏｎ               ｐａｙｍｅｎｔｓ,               ｗｈｅｒｅ               ｉｎ               ｔｈｅ               ｆｉｎａｌ               ｐａｙｍｅｎｔ,               ｔｈｅ               ｃｏｎｓｕｍｅｒ               ｉｓ               ｆｏｒｃｅｄ               ｔｏ               ｃｏｍｅ               ｕｐ               ｗｉｔｈ               ａ               ｌａｒｇｅ               ｃｈｕｎｋ,               ｕｓｕａｌｌｙ               10%,               ｏｆ               ｔｈｅ               ｌｏａｎ'ｓ               ｐｒｉｎｃｉｐｌｅ.

Ｗｈｅｎ               ｔｈｅｙ               ｃａｎｎｏｔ,               ｔｈｅｙ               ｇｅｔ               ｆｏｒｅｃｌｏｓｅｄ               ｕｐｏｎ,               ａｎｄ               ｔｈｅ               ｉｔｅｍ               ｉｎ               ｄｅｆａｕｌｔ               ｇｅｔｓ               ｒｅｐｏｓｓｅｓｓｅｄ.
               Ａｄｊｕｓｔａｂｌｅ               ｒａｔｅｓ               ａｒｅ               ａｎｏｔｈｅｒ               ｂａｄ               ｍｏｖｅ               ｍａｄｅ               ｂｙ               ｈｉｇｈ-ｒｉｓｋ               ｂｏｒｒｏｗｅｒｓ               ｗｈｏ               "ｊｕｓｔ               ｇｏｔｔａ               ｈａｖｅ               ａ               ｈｏｕｓｅ".

Ｔｈｉｓ               ｉｓ               ｔｈｅ               ｂｉｇｇｅｓｔ               ｒｅａｓｏｎ               ｆｏｒ               ｔｈｅ               ｒｅｃｅｎｔ               ｗａｖｅ               ｏｆ               ｆｏｒｅｃｌｏｓｕｒｅｓ               ａｎｄ               ｔｈｅ               ｃｕｒｒｅｎｔ               ｒｅａｌ               ｅｓｔａｔｅ               ｂｕｓｔ.

Ｍａｎｙ               ｃｏｕｌｄ               ｎｏｔ               ｒｅｆｉｎａｎｃｅ               ｔｏ               ａ               ｌｏｗ-ｉｎｔｅｒｅｓｔ,               ｆｉｘｅｄ-ｒａｔｅ               ｌｏａｎ               ｂｅｃａｕｓｅ               ｏｆ               ｌｏｗ               ｉｎｃｏｍｅｓ               ｏｒ               ｂａｄ               ｃｒｅｄｉｔ               ｈｉｓｔｏｒｉｅｓ.

Ｔｈｅ               ｔｒｕｔｈ               ｉｓ               ｔｈａｔ               ｔｈｅｓｅ               ｆｏｌｋｓ               ｎｅｖｅｒ               ｓｈｏｕｌｄ               ｈａｖｅ               ｂｅｅｎ               ｇｉｖｅｎ               ｔｈｅｓｅ               ｌｏａｎｓ               ｉｎ               ｔｈｅ               ｆｉｒｓｔ               ｐｌａｃｅ.

Ｔｈｅ               ｌｅｎｄｅｒｓ               ｗｅｒｅ               ｑｕｉｔｅ               ａｗａｒｅ               ｏｆ               ｔｈｉｓ               ｆａｃｔ,               ａｎｄ               ｌｅｔ               ｔｈｅｓｅ               ｆａｍｉｌｉｅｓ               ｂｏｒｒｏｗ               ａｎｙｗａｙ,               ｋｎｏｗｉｎｇ               ｔｈｅｙ'ｄ               ｓｏｏｎ               ｂｅ               ｆｏｒｅｃｌｏｓｅｄ               ｕｐｏｎ.

Ｉｔ               ｉｓ               ｃｌａｓｓｉｃ               ｐｒｅｄａｔｏｒｙ               ｂｕｓｉｎｅｓｓ               ｔａｃｔｉｃｓ,               ｐｕｒｅ               ａｎｄ               ｓｉｍｐｌｅ.
               Ｆｒｅｓｈ               Ｍｅａｔ               ｆｏｒ               ｔｈｅ               Ｍａｃｈｉｎｅ
               Ｐｅｒｈａｐｓ               ｔｈｅ               ｍｏｓｔ               ｅｖｉｌ               ｔａｃｔｉｃ               ｔｈａｔ               ｌｅｎｄｉｎｇ               ｃｏｍｐａｎｉｅｓ               ｕｓｅ               ｉｓ               ｔｈｅ               ｏｎｅ               ｗｈｉｃｈ               ｒｕｉｎｓ               ｔｈｅ               ｆｉｎａｎｃｉａｌ               ｌｉｖｅｓ               ｏｆ               ｙｏｕｎｇ               ｐｅｏｐｌｅ               ｂｅｆｏｒｅ               ｔｈｅｙ               ｅｖｅｎ               ｇｅｔ               ｓｔａｒｔｅｄ.

Ｔｈｅｙ               ｓｅｔ               ｕｐ               ｋｉｏｓｋｓ               ａｎｄ               ｂｏｏｔｈｓ               ｏｎ               ｃｏｌｌｅｇｅ               ｃａｍｐｕｓｅｓ,               ａｎｄ               ｇｅｔ               ｓｔｕｄｅｎｔｓ               ｔｏ               ｓｉｇｎ               ｕｐ               ｆｏｒ               ｃｒｅｄｉｔ               ｃａｒｄｓ               ｗｈｅｎ               ｍｏｓｔ               ｄｏｎ'ｔ               ｅｖｅｎ               ｈａｖｅ               ｊｏｂｓ               ｙｅｔ.

Ｔｈｅｙ               ｅｎｔｉｃｅ               ｔｈｅｍ               ｗｉｔｈ               ｆｒｅｅ               ｇｉｆｔｓ,               ｓｕｃｈ               ａｓ               Ｆｒｉｓｂｅｅｓ,               Ｔ-ｓｈｉｒｔｓ,               ｐｉｚｚａｓ,               ａｎｄ               ｏｔｈｅｒ               ｓｐｉｆｆｓ.
               Ｔｈｉｓ               ｉｓ               ｄｏｎｅ               ｗｉｔｈ               ｔｈｅ               ｂｌｅｓｓｉｎｇｓ               ｏｆ               ｔｈｅ               ｕｎｉｖｅｒｓｉｔｉｅｓ,               ｗｈｏ               ａｒｅ,               ｏｆ               ｃｏｕｒｓｅ,               ｍａｋｉｎｇ               ｌｏｔｓ               ｏｆ               ｍｏｎｅｙ               ｏｆｆ               ｏｆ               ｔｈｉｓ               ｓｗｅｅｔｈｅａｒｔ               ｄｅａｌ.

Ｐａｒｔ               ｏｆ               ｔｈｅ               ｕｎｉｖｅｒｓｉｔｉｅｓ'               ｐｕｒｐｏｓｅ               ｉｓ               ｔｏ               ｐｒｏｔｅｃｔ               ｓｔｕｄｅｎｔｓ               ａｓ               ｔｈｅｙ               ｒｅａｄｙ               ｔｈｅｍ               ｆｏｒ               ｔｈｅ               ｃｏｌｄ,               ｃｒｕｅｌ,               ｄｏｇ-ｅａｔ-ｄｏｇ               ｗｏｒｌｄ.

Ｉｔ               ｓｅｅｍｓ               ｔｈｅｉｒ               ｉｎｓａｔｉａｂｌｅ               ｌｕｓｔ               ｆｏｒ               ｍｏｒｅ               ｍｏｎｅｙ               ｈａｓ               ｃｌｏｕｄｅｄ               ｔｈｅｉｒ               ｊｕｄｇｍｅｎｔ               ｅｎｏｕｇｈ               ｔｏ               ｇｉｖｅ               ｔｈｅｓｅ               ｆｏｘｅｓ               ｔｈｅ               ｋｅｙｓ               ｔｏ               ｔｈｅ               ｃｈｉｃｋｅｎ               ｃｏｏｐ.
               Ｐａｒｔ               ｏｆ               ｔｈｅ               ｂｌａｍｅ               ｇｏｅｓ               ｔｏ               ｔｈｅ               ｐａｒｅｎｔｓ               ｏｆ               ｔｈｅｓｅ               ｓｔｕｄｅｎｔｓ.

Ｗｈｉｌｅ               ｓｏｍｅ               ｍａｙ               ｗａｒｎ               ｔｈｅｉｒ               ｃｈｉｃｋａｄｅｅｓ               ａｇａｉｎｓｔ               ｔｈｅ               ｅｖｉｌｓ               ｏｆ               ａｌｃｏｈｏｌ,               ｄｒｕｇｓ,               ｖｅｎｅｒｅａｌ               ｄｉｓｅａｓｅ,               ａｎｄ               ｔｈｅ               ｕｓｕａｌ               ｍｅｍｂｅｒｓ               ｏｆ               ｔｈｅ               ｒｏｇｕｅｓ               ｇａｌｌｅｒｙ,               ｔｈｅｙ               ｎｏｔ               ｏｎｌｙ               ｎｅｇｌｅｃｔ               ｔｏ               ｗａｒｎ               ｔｈｅｍ               ｏｆ               ｔｈｉｓ               ｌｉｆｅ-ｒｕｉｎｉｎｇ               ｂｏｏｇｅｙｍａｎ,               ｂｕｔ               ａｌｓｏ               ｐｒｏｂａｂｌｙ               ｓｅｔ               ｖｅｒｙ               ｂａｄ               ｅｘａｍｐｌｅｓ               ｔｈｅｍｓｅｌｖｅｓ.

Ｍａｎｙ               ｏｆ               ｔｈｅｓｅ               ｋｉｄｓ               ｓｐｅｎｔ               ｔｈｅ               ｌａｓｔ               ｅｉｇｈｔｅｅｎ               ｙｅａｒｓ               ｗａｔｃｈｉｎｇ               ｍｏｍｍｙ               ａｎｄ               ｄａｄｄｙ               ｐａｙ               ｆｏｒ               ｅｖｅｒｙｔｈｉｎｇ               ｗｉｔｈ               ｐｌａｓｔｉｃ,               ｗｉｔｈｏｕｔ               ｅｖｅｒ               ｓｅｅｉｎｇ               ｔｈｅ               ｎｅｖｅｒ-ｅｎｄｉｎｇ               ｐａｒａｄｅ               ｏｆ               ｂｉｌｌｓ               ａｎｄ               ｌａｔｅ               ｆｅｅｓ               ｓｔｒｅａｍｉｎｇ               ｔｈｒｏｕｇｈ               ｔｈｅ               ｍａｉｌｂｏｘ.
               Ｔｈｅｒｅ               ｉｓ               ｎｏ               ｍｏｒｅ               ｅｖｉｌ               ｄｅｅｄ               ｔｏ               ｃｏｍｍｉｔ               ａｇａｉｎｓｔ               ａ               ｙｏｕｎｇ               ｐｅｒｓｏｎ               ｗｈｏ               ｉｓ               ｊｕｓｔ               ｓｔａｒｔｉｎｇ               ｏｕｔ               ｉｎ               ｌｉｆｅ.

Ｍａｎｙ               ｗｉｌｌ               ｂｅ               ａ               ｓｌａｖｅ               ｔｏ               Ｓａｌｌｉｅ               Ｍａｅ               ｆｏｒ               ｍａｎｙ               ｙｅａｒｓ               ａｆｔｅｒ               ｇｒａｄｕａｔｉｏｎ,               ｓｏ               ａｎｙ               ｕｎｉｖｅｒｓｉｔｙ               ｗｈｏ               ｗｏｕｌｄ               ａｌｌｏｗ               ｔｈｅｓｅ               ｓｈａｒｋｓ               ａｃｃｅｓｓ               ｔｏ               ｔｈｅｉｒ               ｓｔｕｄｅｎｔｓ               ｉｓ               ｄｉｒｔｙ,               ｃｒｏｏｋｅｄ,               ａｎｄ               ｏｕｇｈｔ               ｔｏ               ｂｅ               ａｓｈａｍｅｄ.

Ｉｔ               ｗｏｕｌｄ               ｂｅ               ｉｎ               ｐａｒｅｎｔ'ｓ               ｂｅｓｔ               ｉｎｔｅｒｅｓｔ               ｔｏ               ｎｏｔ               ｓｅｎｄ               ｔｈｅｉｒ               ｋｉｄｓ               ｔｏ               ａｎｙ               ｃｏｌｌｅｇｅ               ｗｈｏ               ｐａｒｔｉｃｉｐａｔｅｓ               ｉｎ               ｔｈｉｓ               ｅｖｉｌ               ｒｕｓｅ.
               Ｂｒｅａｋｉｎｇ               Ｙｏｕｒ               Ｃｈａｉｎｓ               Ｆｏｒｅｖｅｒ
               Ｄｅｂｔ               ｉｓ               ａ               ｗｈｏｌｅ               ｌｏｔ               ｌｉｋｅ               ｄｒｕｇｓ;               ｉｔ               ｉｓ               ｂｅｓｔ               ｎｅｖｅｒ               ｔｏ               ｇｅｔ               ｉｎｖｏｌｖｅｄ               ｗｉｔｈ               ｉｔ               ｉｎ               ｔｈｅ               ｆｉｒｓｔ               ｐｌａｃｅ.

Ｉｆ               ｙｏｕ               ｈａｖｅ               ｇｏｔｔｅｎ               ｉｎ               ｔｏｏ               ｄｅｅｐ,               ｈｏｗｅｖｅｒ,               ｔｈｅｒｅ               ｉｓ               ｈｏｐｅ.

Ｊｕｓｔ               ｆｏｌｌｏｗ               ｔｈｅｓｅ               ｓｉｍｐｌｅ               ｃｏｍｍｏｎ-ｓｅｎｓｅ               ｔｉｐｓ               ｔｏ               ｌｉｂｅｒａｔｅ               ｙｏｕｒｓｅｌｆ               ｆｒｏｍ               ｔｈｅ               ｓｅｒｆｄｏｍ               ｏｆ               ｄｅｂｔ:
               1)               ＣＵＴ               'ＥＭ               ＵＰ               -               Ｍｙ               ｆｉｎａｎｃｉａｌ               ｈｅｒｏ               Ｄａｖｅ               Ｒａｍｓｅｙ               ｃａｌｌｓ               ｔｈｉｓ               ｐｒａｃｔｉｃｅ               "ｐｅｒｆｏｒｍｉｎｇ               ａ               ｐｌａｓｔｅｃｔｏｍｙ".

Ｙｅｓ,               ｉｔ               ｉｓ               ｅｘａｃｔｌｙ               ｗｈａｔ               ｙｏｕ               ｔｈｉｎｋ               ｉｔ               ｍｅａｎｓ:               ｃｕｔ               ｔｈｅ               ｄａｍｎｅｄ               ｔｈｉｎｇｓ               ｕｐ               ａｎｄ               ｃｌｏｓｅ               ａｎｙ               ｏｐｅｎ               ａｃｃｏｕｎｔｓ               ｔｈａｔ               ｈａｖｅ               ｎｏ               ｏｕｔｓｔａｎｄｉｎｇ               ｂａｌａｎｃｅ               ｏｗｅｄ.

Ｉｓ               ｉｔ               ｓｍａｒｔ               ｆｏｒ               ａｎ               ａｌｃｏｈｏｌｉｃ               ｔｏ               ｋｅｅｐ               ａ               ｂｏｔｔｌｅ               ｏｆ               Ｗｉｌｄ               Ｔｕｒｋｅｙ               ｉｎ               ｈｉｓ               ｈｏｕｓｅ?

Ｉｆ               ｙｏｕ               ｃａｎｎｏｔ               ｋｅｅｐ               ｏｆｆ               ｔｈｅ               ｐｌａｓｔｉｃ,               ｔｈｅｎ               ｇｅｔ               ｉｔ               ｏｕｔ               ｏｆ               ｙｏｕｒ               ｈｏｕｓｅ               ｆｏｒ               ｇｏｏｄ!
               2)               ＳＴＡＲＴ               ＳＥＬＬＩＮＧ               ＳＴＵＦＦ               -               Ｓｅｌｌ               ｅｖｅｒｙｔｈｉｎｇ               ｙｏｕ               ｃａｎ,               ａｎｄ               ｕｓｅ               ｔｈｅ               ｍｏｎｅｙ               ｔｏ               ｐａｙ               ｔｈｅ               ｌｏａｎ               ｓｈａｒｋｓ               ｏｆｆ.

Ｈａｖｅ               ａ               ｙａｒｄ               ｓａｌｅ,               ｏｒ               ｐｕｔ               ｉｔｅｍｓ               ｉｎ               ｔｈｅ               ｗａｎｔ               ａｄｓ               ａｎｄ               ｏｎ               Ｅ-ｂａｙ.

Ｉｆ               ｙｏｕ               ｏｗｎ               ｔｏｏ               ｍｕｃｈ               ｃａｒ,               ｓｅｌｌ               ｉｔ,               ａｎｄ               ｕｓｅ               ｅｖｅｒｙ               ｐｅｎｎｙ               ｉｔ               ｂｒｉｎｇｓ               ｉｎ               ｔｏ               ｐａｙ               ｔｈｅ               ｌｏａｎ               ｏｆｆ.

Ｇｅｔ               ａ               ｃｈｅａｐ               ｐｉｅｃｅ               ｏｆ               ｊｕｎｋ               ｔｏ               ｄｒｉｖｅ               ｗｈｉｌｅ               ｙｏｕ'ｒｅ               ｐａｙｉｎｇ               ｏｆｆ               ｗｈａｔ'ｓ               ｌｅｆｔ               ｏｆ               ｔｈｅ               ｏｌｄ               ｃａｒ               ｎｏｔｅ.

Ｓｅｌｌ               ｙｏｕｒ               ｈｏｕｓｅ               ｔｏ               ｇｅｔ               ｏｕｔ               ｏｆ               ａ               ｂａｄ               ｌｏａｎ,               ａｎｄ               ｒｅｎｔ               ｃｈｅａｐ               ｕｎｔｉｌ               ｙｏｕ               ａｒｅ               ｉｎ               ａ               ｐｏｓｉｔｉｏｎ               ｔｏ               ｂｕｙ               ｗｉｔｈ               ａ               15-ｙｅａｒ               ｍｏｒｔｇａｇｅ               ａｎｄ               ａ               ｈｅｆｔｙ               ｄｏｗｎ-ｐａｙｍｅｎｔ,               ｅｖｅｎ               ｉｆ               ｙｏｕ               ｈａｖｅ               ｔｏ               ｗａｉｔ               ｔｅｎ               ｙｅａｒｓ               ｏｒ               ｍｏｒｅ.
               3)               ＭＡＫＥ               Ａ               ＢＵＤＧＥＴ               -               Ｉｔ               ｉｓ               ｎｏｔ               ａｓ               ｈａｒｄ               ａｓ               ｉｔ               ｓｏｕｎｄｓ;               ａｃｔｕａｌｌｙ,               ｉｆ               ｙｏｕ               ｓｔｉｃｋ               ｔｏ               ｉｔ,               ｙｏｕ               ｗｉｌｌ               ｆｉｎｄ               ｉｔ               ｑｕｉｔｅ               ｌｉｂｅｒａｔｉｎｇ.

Ｍａｋｅｓ               ｓｕｒｅ               ｅｖｅｒｙ               ｄｏｌｌａｒ               ｈａｓ               ａ               ｎａｍｅ.

Ｙｏｕｒ               ｐｒｉｏｒｉｔｉｅｓ               ａｒｅ               ａｓ               ｆｏｌｌｏｗｓ:               1)               Ｆｏｏｄ,               2)               Ｕｔｉｌｉｔｉｅｓ,               3)               Ｒｅｎｔ/ｓｈｅｌｔｅｒ,               4)               Ｔｒａｎｓｐｏｒｔａｔｉｏｎ               (ｃａｒ               ｐａｙｍｅｎｔ,               ｆｕｅｌ,               ｂｕｓ/ｃａｂ               ｆａｒｅ,               ｅｔｃ.),               ａｎｄ               ｔｈｅｎ               ｅｖｅｒｙｔｈｉｎｇ               ｅｌｓｅ               ｃｏｍｅｓ               ｏｎｌｙ               ａｆｔｅｒ               ｔｈｅｓｅ               ｆｏｕｒ               ｉｔｅｍｓ               ａｒｅ               ｍｅｔ.
               4)               ＷＯＲＫ               ＭＯＲＥ               ＴＨＡＮ               ＯＮＥ               ＪＯＢ               -               Ｉｆ               ｙｏｕ               ｔｒｕｌｙ               ａｒｅ               ｔｉｒｅｄ               ｏｆ               ｄｅｂｔ,               ｇｅｔ               ａｎｏｔｈｅｒ               ｊｏｂ               ａｔ               ｎｉｇｈｔ.

Ｄｅｌｉｖｅｒ               ｐｉｚｚａ,               ｓｌｉｎｇ               ｂｏｘｅｓ               ａｔ               ＵＰＳ,               ｓｔｏｃｋ               ｓｈｅｌｖｅｓ               ａｔ               Ｗａｌ-Ｍａｒｔ;               ｔｈｅｒｅ               ａｒｅ               ｍａｎｙ               ｗａｙｓ               ｔｏ               ｅａｒｎ               ｅｘｔｒａ               ｍｏｎｅｙ,               ｊｕｓｔ               ｌｏｎｇ               ｅｎｏｕｇｈ               ｔｏ               ｇｅｔ               ｏｕｔ               ｏｆ               ｄｅｂｔ.

Ｉｆ               ｃｈｉｌｄ               ｃａｒｅ               ｉｓ               ａ               ｐｒｏｂｌｅｍ,               ｔｈｅｒｅ               ｉｓ               ａｌｗａｙｓ               ａ               ｗａｙ               ｔｏ               ｆｉｎｄ               ｂａｂｙ               ｓｉｔｔｅｒｓ               ｗｈｉｌｅ               ｙｏｕ               ａｒｅ               ｗｏｒｋｉｎｇ               ｙｏｕｒ               ｗａｙ               ｏｕｔ               ｏｆ               ｄｅｂｔ.

Ｙｏｕ               ｗｉｌｌ               ｆｉｎｄ               ａ               ｗａｙ               ｔｏ               ｍａｋｅ               ｉｔ               ｈａｐｐｅｎ,               ｏｎｃｅ               ｙｏｕ               ｈａｖｅ               ｄｅｃｉｄｅｄ               ｔｈａｔ               ｙｏｕ               ａｒｅ               ｓｉｃｋ               ａｎｄ               ｔｉｒｅｄ               ｏｆ               ｂｅｉｎｇ               ｓｉｃｋ               ａｎｄ               ｔｉｒｅｄ.
               5)               ＳＴＡＲＴ               ＳＡＶＩＮＧ               -               Ｓｅｔ               ａｓｉｄｅ               $1,000               ｃａｓｈ               ｆｏｒ               ａｎ               ｅｍｅｒｇｅｎｃｙ               ｆｕｎｄ               ｔｈａｔ               ｉｓ               ｔｏ               ＯＮＬＹ               ｂｅ               ｕｓｅｄ               ｆｏｒ               ｅｍｅｒｇｅｎｃｉｅｓ.

Ａｆｔｅｒ               ｙｏｕ               ｐａｙ               ｏｆｆ               ｍｏｒｅ               ａｎｄ               ｍｏｒｅ               ｄｅｂｔ,               ｕｓｅ               ｔｈｅ               ｍｏｎｅｙ               ｙｏｕ               ｏｎｃｅ               ｐａｉｄ               ｔｈｅ               ｄｅｂｔ               ｗｉｔｈ               ｔｏ               ｂｕｉｌｄ               ｕｐ               ａ               ｒｅａｌ               ｅｍｅｒｇｅｎｃｙ               ｆｕｎｄ.

Ｙｏｕｒ               ｇｏａｌ               ｓｈｏｕｌｄ               ｂｅ               ｔｏ               ｓａｖｅ               ｅｎｏｕｇｈ               ｆｏｒ               ｓｉｘ               ｍｏｎｔｈｓ               ｏｆ               ｅｘｐｅｎｓｅｓ,               ｓｈｏｕｌｄ               ｙｏｕ               ｆｉｎｄ               ｙｏｕｒｓｅｌｆ               ｏｕｔ               ｏｆ               ｗｏｒｋ               ｏｒ               ｂａｄｌｙ               ｈｕｒｔ.
               6)               ＧＥＴ               ＭＥＤＩＣＡＬ               ＩＮＳＵＲＡＮＣＥ               -               Ｆｉｎｄ               ａｎ               ｅｍｐｌｏｙｅｒ               ｗｈｏ               ｏｆｆｅｒｓ               ａ               ｄｅｃｅｎｔ               ｇｒｏｕｐ               ｍｅｄｉｃａｌ               ｐｌａｎ,               ｂｅｃａｕｓｅ               ｉｔ               ｏｎｌｙ               ｔａｋｅｓ               ｏｎｅ               ｂｉｇ               ｈｏｓｐｉｔａｌｉｚａｔｉｏｎ               ｔｏ               ｗｉｐｅ               ｏｕｔ               ｅｖｅｒｙｔｈｉｎｇ               ｙｏｕ'ｖｅ               ｓａｖｅｄ,               ａｎｄ               ｍｅｄｉｃａｌ               ｄｅｂｔ               ｉｓ               ｔｈｅ               ｂｉｇｇｅｓｔ               ｆｏｒｍ               ｏｆ               ｆｉｓｃａｌ               ｓｌａｖｅｒｙ               ｉｎ               ｔｈｅ               Ｕ.Ｓ.
               7)               ＣＨＡＮＧＥ               ＹＯＵＲ               ＨＡＢＩＴＳ               -               Ｔｈｉｓ               ｉｓ               ｔｈｅ               ｍｏｓｔ               ｉｍｐｏｒｔａｎｔ               ｏｎｅ               ｏｎ               ｔｈｅ               ｌｉｓｔ.

Ｉｆ               ｙｏｕ               ｃｏｎｔｉｎｕｅ               ｔｏ               ｃｈａｒｇｅ               ａｎｄ               ｓｐｅｎｄ               ｌｉｋｅ               ｔｏｍｏｒｒｏｗ               ｗｉｌｌ               ｎｅｖｅｒ               ｃｏｍｅ,               ｙｏｕ               ｗｉｌｌ               ｎｅｖｅｒ               ｂｅ               ｆｒｅｅ               ｆｒｏｍ               ｉｎｄｅｂｔｅｄｎｅｓｓ.

Ｙｏｕ               ｈａｖｅ               ｔｏ               ｌｅａｒｎ               ｔｏ               ｓａｙ               "ＮＯ"               ｔｏ               ｙｏｕｒ               ｋｉｄｓ,               ｙｏｕｒ               ｓｐｏｕｓｅ,               ａｎｄ               ｙｏｕｒｓｅｌｆ               ｉｆ               ｙｏｕ               ｗａｎｔ               ｔｏ               ｇｅｔ               ａｈｅａｄ               ｆｉｎａｎｃｉａｌｌｙ.

ＤＩＳＣＩＰＬＩＮＥ               ｉｓ               ｔｈｅ               ｋｅｙ               ｈｅｒｅ,               ｆｏｌｋｓ.
               Ｍｙ               ｆｒｉｅｎｄｓ               ｌｉｋｅ               ｔｏ               ｇｉｖｅ               ｍｅ               ｈｅｌｌ               ａｂｏｕｔ               ｍｙ               ｆｒｕｇａｌｉｔｙ,               ｊｏｋｉｎｇ               ｔｈａｔ               Ｉ'ｌｌ               "ｓｑｕｅｅｚｅ               ａ               ｑｕａｒｔｅｒ               'ｔｉｌｌ               ｔｈｅ               ｅａｇｌｅ               ｓｃｒｅａｍｓ".

Ｃｏｎｓｉｄｅｒｉｎｇ               ｔｈａｔ               ｔｈｅｓｅ               ｆｒｉｅｎｄｓ               ａｒｅ               ｂｒｏｋｅ               ａｎｄ               ｉｎ               ｄｅｂｔ               (ａｎｄ               ｓｏｍｅ               ｏｆ               ｔｈｅｍ               ｍａｋｅ               ａ               ｗｈｏｌｅ               ｌｏｔ               ｍｏｒｅ               ｔｈａｎ               Ｉ               ｄｏ),               Ｉ               ｔａｋｅ               ｔｈａｔ               ａｓ               ａ               ｃｏｍｐｌｉｍｅｎｔ.

Ａｆｔｅｒ               ｐａｙｉｎｇ               ｍａｎｙ               ｔｈｏｕｓａｎｄｓ               ｏｆ               ｄｏｌｌａｒｓ               ｉｎ               "ｓｔｕｐｉｄ               ｔａｘ",               Ｉ               ｄｅｃｉｄｅｄ               ｙｅａｒｓ               ａｇｏ               ｔｏ               ｔａｋｅ               ｇｏｏｄ               ｏｌ'               Ｄａｖｅ               Ｒａｍｓｅｙ               ｕｐ               ｏｎ               ｈｉｓ               ｃｈａｌｌｅｎｇｅ               ｔｏ               "ｌｉｖｅ               ｌｉｋｅ               ｎｏ               ｏｎｅ               ｅｌｓｅ               ｓｏ               ｔｈａｔ               ｓｏｍｅｄａｙ,               Ｉ               ｃａｎ               ｌｉｖｅ               ｌｉｋｅ               ｎｏ               ｏｎｅ               ｅｌｓｅ",               ａｎｄ               ｉｆ               ａ               ｈｉｇｈ               ｓｃｈｏｏｌ               ｄｒｏｐｏｕｔ               ｌｉｋｅ               ｍｅ               ｃａｎ               ｂｅ               ｆｒｅｅ,               ｓｏ               ｃａｎ               ｙｏｕ!






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    9. marketpipeline.blogspot.com/   12/10/2008
      ...one that has been used — having the Treasury Department sell debt, with the money then deposited at the Federal Reserve. The Treasury ...
    10. rantaboutit.blogspot.com/   04/15/2007
      ...information economy. We are actually the world's premiere finance economy ; we make and sell debt, and we are exceedingly good at it so as long as the Chinese are ...

      11. Selling Debt - Blog Homepage Results

      Ants & GrasshoppersbySusquehanna
      http://ants-and-grasshoppers.blogspot.com/
      ...and analyze finance, currency, public and personal debts, the market, investing/saving...of Nov. 2013; We are 100% Ad free-- We sell Nothing..We seek no $$ from you.. Agenda is...
      Waiting on karma to pay back that debt…bysuzrocks
      http://suzrocks.wordpress.com/
      ...their artistic achievements, commercial success, and broad influence. Having sold over 200 million albums worldwide, the band is known to be one...
      How To Eliminate Debts and Enjoy Financial FreedombyDanny Y. Reponte
      http://buildingblocks2010.wordpress.com/
      ...about everyday. They are dearly worried about it. Some people die for it. Some sell their integrity and dignity to get it. Sadly, … Continue reading →
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