http://www.debt-guide.info Comprehensive information about debt and related issues Fri, 04 Jul 2008 09:15:32 +0000 http://backend.userland.com/rss092 en The most serious debt-related problem in the modern global economy, however, is the debt crisis afflicting many developing nations. Public borrowing by developing governments became common in the post-WWII period as international organizations such as the IMF and World Bank provided a secure framework for infrastructure and development loans. By ... http://www.debt-guide.info/2008/07/04/the-debt-crisis-in-our-society/ Private debt as a transaction between two individuals has been around for a long time, but like public debt, it did not become a widespread phenomenon until the advent of public banking. Private debts can either be unsecured, in which case the ability to secure a loan will depend upon ... http://www.debt-guide.info/2008/07/04/private-or-consumer-debt-guide/ The cash flow of a company in relation to its debt serves lenders as another way to measure whether or not to provide debt financing to a business. A company's profitability, as measured on its books, may be better or worse than its cash generation. In calculating cash flow, only ... http://www.debt-guide.info/2008/07/04/cash-flow-to-debt-ratio/ A business can finance its operations either through equity or debt. Equity is cash paid into the business by investors; the business owner is usually one of these investors; investors receive a share of the company, in effect a percentage of it proportional to total investment paid in. The share ... http://www.debt-guide.info/2008/07/04/introduction-to-business-debt-financing/ Before the middle of the twentieth century, consumer debt was relatively unheard-of. Financial institutions (such as banks) rarely extended credit to individuals because it was difficult to assess their financial reliability, and because managing such loans was expensive and time-consuming. The concept of debt consolidation applied exclusively to matters of ... http://www.debt-guide.info/2008/07/04/the-origin-of-debt-consolidation-loan/ Usually a consolidation loan is used to pay off unsecured, revolving debts, especially credit card balances. Unsecured debt is any debt that is not backed up by collateral (something, such as a house or a car, that the lender can assume ownership of if the borrower becomes unable to pay ... http://www.debt-guide.info/2008/07/04/an-indepth-look-into-debt-consolidation-loan/ A debt consolidation loan is one big loan that a borrower takes out in order to pay off a number of smaller debts. It may also be referred to as refinancing one’s debt. There are three main reasons for taking out a debt consolidation loan: to lower the fee, or ... http://www.debt-guide.info/2008/07/04/what-is-a-debt-consolidation-loan/ The modern world relies on debt for increased prosperity, but this does not mean that debt does not at the same time threaten prosperity. At the end of the twentieth century and the beginning of the twenty-first century, one form of debt was particularly worrisome to many Americans: credit card ... http://www.debt-guide.info/2008/07/04/recent-trends-of-debt-in-our-society/ By the end of the twentieth century, debt had long since been accepted as a natural part of economic life, and borrowing and lending accounted for an enormous part of the economy in all developed countries. It had become common for the amount of debt (including the debts incurred by ... http://www.debt-guide.info/2008/07/04/more-detailed-information-about-debt-and-personal-finance/ The phenomenon of debt dates back to at least the earliest civilizations. As early as 3000 bc , loans were used to facilitate economic activity in ancient Mesopotamia (which now lies in Iraq, Syria, and Turkey). While creditors charged interest in these early times, this practice was widely condemned by ... http://www.debt-guide.info/2008/07/04/how-does-debt-began-a-brief-history-of-debt/