Month: June 2019

Amortization of Public Debt

by admin

 

 

The amortization of public debt is the return to maturity by the State of the capital that natural or legal persons have lent to it.

 

 

In general, when the public sector issues public debt , it has a maturity that will depend on the financing needs and that may be through Treasury bills , bonds and obligations of the state. The amortization of public debt can be due to several circumstances, either due to the mere repayment on maturity of the debt, or due to a general policy of reducing public indebtedness.

 

The amortization of public indebtedness is closely related to the nature of the bonds and obligations that the state has issued, so that it will only be returned in those government securities that are amortizable, that is, they have a specific and clear maturity, since they do not all public debt is amortized through the return of the principal borrowed, but the state is issuing coupons with which to pay interest on the principal, without it ever being returned. This is what is known as perpetual indebtedness.

 

The amortization of public debt as an instrument of monetary policy

The amortization of public debt as an instrument of monetary policy

The public debt is not only a way to finance the public needs and budgets of the administrations, but it is also an important element in terms of the monetary policy of the states. Through the issuance and amortization of public debt , the state can reduce or increase the monetary mass in the market:

 

In a situation of general inflation characterized by having excess money in the market, the state can issue public debt to reduce the money supply in the market and thus reduce the amount of money in circulation.

On the contrary, in a situation of deflation , the state must amortize public debt (buy securities) in order to flood the liquidity market with money.

I have too many bills! Debt consolidation

by admin

Spending budget:

Spending budget:

Create a budget that tracks money coming in and out of the home. This will help you become more disciplined when you spend as it will help you control your spending so as to avoid increasing the credit card debt load.

There are many debt consolidation companies to choose from. You need to do your research and find out about them and their reliability. It is always better to compare different companies. Find out who offers the best solutions for your needs, and at what cost.

Loan for old loan

Loan for old loan

Secured loans are often the simplest loans to get due to the fact the lender has something to recover should by default. Lenders are still going to be picky, though. They will still be checking your finances and your credit. Even if they have that deposit or asset, it doesn't mean they will automatically give you a loan.

First of all you need to do your research and make sure the house is worth what the seller is asking for it. You want to compare apples to apples. Look for houses in the surrounding area, which are the same amount of bedrooms, bathrooms, square footage, lot size, and have the same quality of services. This can be done by driving the area and looking for others to sell signs and doing research on the internet. Homes can be viewed on corporate real estate websites. Look for at least three comparable homes and talk to the seller about how they arrived at their asking price.

Secondly, you need to prioritize your bills. You should first worry about secured debt like mortgage and auto payments because if you get too far back, you can lose your property. As for unsecured debts, such as credit cards and medical bills, pay those with the highest interest rates first.

The problem with cheap loans is not that they are bad in nature. Rather, it is for the borrowers to benefit from them and do not fall within their adverse effects. If you can take a cautious and reserved approach to loans, it will help you. A needy person can take a loan from various sources in the UK loan market. There are construction companies, online lenders, high street banks, etc., which are known to provide good loan offers to a large part of society. If you have a good credit score, you can get cheap loans from these lenders.

The type of loan you are looking at will change your qualifications - fixed, adjustable or a low buy-in rate. You are looking for a term of fifteen, twenty or 30 years. You are buying an expensive home, in this case you will need a Jumbo loan. You can look at conventional financing, sub-prime financing, private creditors or a government guaranteed loan. The list of options is endless. If you are a first time buyer I would recommend looking at FHA home loans. If you are in the military, National Guard or Coast Guard take a look at VA loans.
This really aggravated me because of my background in the non-profit sector. There are hundreds of scammers who claim to have information on "free public contributions" claiming to get government free money that can be used to pay bills, inside credit repair alone, and never have to pay again.