About 'debt service to income ratio'|Debt to GDP ratios are irrelevant (or : why Japan is not in such a difficult fiscal position)

About 'debt service to income ratio'|Debt to GDP ratios are irrelevant (or : why Japan is not in such a difficult fiscal position)

Ｐｅｅｒ-ｔｏ-ｐｅｅｒ               ｌｅｎｄｉｎｇ               ｉｓ               ａ               ｗａｙ               ｆｏｒ               ｌｅｎｄｅｒｓ               ａｎｄ               ｂｏｒｒｏｗｅｒｓ               ｔｏ               ｍｅｅｔ               ｗｉｔｈｏｕｔ               ｈａｖｉｎｇ               ｂａｎｋｓ               ｉｎｖｏｌｖｅｄ. Ｔｈｅ               ｄｅｔａｉｌｓ               ｉｎ               ｔｈｉｓ               ａｒｔｉｃｌｅ               ａｒｅ               ｂａｓｅｄ               ｏｎ               ｐｅｒｓｏｎａｌ               ｅｘｐｅｒｉｅｎｃｅ               ｗｉｔｈ               Ｐｒｏｓｐｅｒ,               ａｎｄ               ｔｈｅ               ｉｎｄｉｖｉｄｕａｌ               ｄｅｔａｉｌｓ               ｏｆ               ｔｈｅ               ｐｒｏｃｅｓｓ               ｍａｙ               ｖａｒｙ               ｆｏｒ               ｏｔｈｅｒ               ｓｉｔｅｓ. Ｔｈｅｒｅ               ａｒｅ               ｏｔｈｅｒ               ｍｉｃｒｏｆｉｎａｎｃｅ               ｏｐｔｉｏｎｓ               ｂｕｔ               Ｉ               ｈａｖｅ               ｎｏｔ               ｙｅｔ               ｔｒｉｅｄ               ｔｈｅｍ. Ｔｈｅ               ｗｅｂｓｉｔｅ               ａｄｄｒｅｓｓｅｓ               ｆｏｒ               ａｌｌ               ｋｎｏｗｎ               ｏｐｔｉｏｎｓ               ｗｉｌｌ               ｂｅ               ａｔ               ｔｈｅ               ｂｏｔｔｏｍ               ｏｆ               ｔｈｉｓ               ａｒｔｉｃｌｅ. Ａ               ｓｉｍｐｌｉｆｉｅｄ               ｖｅｒｓｉｏｎ               ｏｆ               ｔｈｅ               ｐｒｏｓｐｅｃｔｉｖｅ               ｂｏｒｒｏｗｅｒ'ｓ               ｃｒｅｄｉｔ               ｈｉｓｔｏｒｙ               ｉｓ               ｄｉｓｐｌａｙｅｄ,               ｗｈｉｃｈ               ｓｈｏｗｓ               ｉｆ               ａｎｙ               ｄｅｌｉｎｑｕｅｎｃｉｅｓ               ｈａｖｅ               ｏｃｃｕｒｒｅｄ               ｉｎ               ｔｈｅ               ｌａｓｔ               ｓｅｖｅｎ               ｙｅａｒｓ,               ｏｒ               ｉｆ               ｐｕｂｌｉｃ               ｒｅｃｏｒｄｓ               ｈａｖｅ               ｏｃｃｕｒｒｅｄ,               ａｓ               ｗｅｌｌ               ａｓ               ｔｈｅ               ｂｅｇｉｎｎｉｎｇ               ｙｅａｒ               ｏｆ               ｔｈｅｉｒ               ｃｒｅｄｉｔ               ａｎｄ               ｈｏｗ               ｍａｎｙ               ｌｉｎｅｓ               ｏｆ               ｃｒｅｄｉｔ. Ｉｔ               ｒａｔｅｓ               ｔｈｅ               ｂｏｒｒｏｗｅｒ               ｗｉｔｈ               ＳｃｏｒｅＸ,               ｗｈｉｃｈ               ｇｏｅｓ               ｆｒｏｍ               ＡＡ,               Ａ,               Ｂ,               Ｃ,               Ｄ,               Ｅ,               ａｎｄ               ＨＲ               (ｈｉｇｈ               ｒｉｓｋ),               ａｎｄ               ｓｈｏｗｓ               ｄｅｂｔ-ｔｏ-ｉｎｃｏｍｅ               ｒａｔｉｏ.                Ｂｏｒｒｏｗｅｒｓ               ｐｒｏｐｏｓｅ               ａ               ｒａｔｅ,               ｗｈｉｃｈ               ａｂｉｄｅｓ               ｂｙ               ｔｈｅｉｒ               ｓｔａｔｅ               ｌａｗｓ,               ａｎｄ               ｉｓ               ｉｎ               ｋｅｅｐｉｎｇ               ｗｉｔｈ               ｔｈｅｉｒ               ｃｒｅｄｉｔ               ｈｉｓｔｏｒｙ. Ｔｈｅｙ               ｗｒｉｔｅ               ａ               ｄｅｓｃｒｉｐｔｉｏｎ               ｏｆ               ｗｈａｔ               ｔｈｅｙ               ｎｅｅｄ               ｉｔ               ｆｏｒ,               ａｎｄ,               ｈｏｐｅｆｕｌｌｙ,               ｇｉｖｅ               ａ               ｂｕｄｇｅｔ               ｏｆ               ｔｈｅｉｒ               ｅｘｐｅｎｓｅｓ               ａｎｄ               ｓｈｏｗ               ｈｏｗ               ｔｈｅｙ               ｃａｎ               ａｆｆｏｒｄ               ａｎｏｔｈｅｒ               ｏｂｌｉｇａｔｉｏｎ. Ｔｈｅｙ               ｍａｙ               ｅｘｐｌａｉｎ               ａｎｙ               ｄｅｌｉｎｑｕｅｎｃｉｅｓ               ｔｈａｔ               ｏｃｃｕｒｒｅｄ               ｉｎ               ｔｈｅｉｒ               ｃｒｅｄｉｔ               ａｎｄ               ｈｏｗ               ｔｈｅｙ               ｈａｖｅ               ｌｅａｒｎｅｄ               ｆｒｏｍ               ｔｈａｔ. Ｉｆ               ｔｈｅｙ               ｂｅｌｏｎｇ               ｔｏ               ａ               ｂｏｒｒｏｗｅｒ               ｇｒｏｕｐ,               ｅｓｐｅｃｉａｌｌｙ               ｏｎｅ               ｔｈａｔ               ｖｅｔｓ               (ｖｅｒｉｆｉｅｓ)               ｉｎｃｏｍｅ,               ｉｔ               ｉｓ               ｅａｓｉｅｒ               ｆｏｒ               ｌｅｎｄｅｒｓ               ｔｏ               ｔａｋｅ               ｔｈｅ               ｒｉｓｋ.                Ｌｅｎｄｅｒｓ               (ｃａｌｌｅｄ               ｌｏａｎ               ｐｕｒｃｈａｓｅｒｓ,               ｂｅｃａｕｓｅ               ｔｈｅｙ               ｐｕｔ               ｕｐ               ｔｈｅ               ｍｏｎｅｙ,               ｂｕｔ               ｔｈｅ               ｐｅｅｒ-ｔｏ-ｐｅｅｒ               ｌｅｎｄｉｎｇ               ｗｅｂｓｉｔｅ               ｍａｋｅｓ               ｔｈｅ               ｌｏａｎｓ)               ｓｃｏｕｒ               ｔｈｅ               ｌｉｓｔｉｎｇｓ               ｆｏｒ               ｂｏｒｒｏｗｅｒｓ               ｔｈａｔ               ｍｅｒｉｔ               ｔｈｅｉｒ               ｔｒｕｓｔ,               ｂａｓｅｄ               ｏｎ               ｔｈｅｉｒ               ｏｗｎ               ｐｅｒｓｏｎａｌ               ｃｒｉｔｅｒｉａ. Ｗｈｅｎ               ｔｈｅｙ               ｂｉｄ,               ｔｈｅｙ               ｃａｎ               ｂｉｄ               ｃｈｏｏｓｅ               ｔｈｅ               ａｍｏｕｎｔ               ｔｈｅｙ               ｗａｎｔ               ｔｏ               ｂｉｄ,               ｗｉｔｈ               ａ               ｍｉｎｉｍｕｍ               ｂｉｄ               ｏｆ               $50,               ａｎｄ               ｔｈｅｙ               ｃａｎ               ｃｈｏｏｓｅ               ｔｈｅ               ｌｏｗｅｓｔ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ               ｔｈｅｙ               ｗｏｕｌｄ               ｂｅ               ｗｉｌｌｉｎｇ               ｔｏ               ｒｅｃｅｉｖｅ               ｏｎ               ｔｈｉｓ               ｌｉｓｔｉｎｇ               ｉｆ               ｔｈｅｙ               ｗｉｎ. Ｔｈｅｙ               ａｌｓｏ               ｓｅｌｅｃｔ               ｔｈｅ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ               ｔｈａｔ               ｗｉｌｌ               ｐｕｒｓｕｅ               ｔｈｅ               ｂｏｒｒｏｗｅｒ               ｉｆ               ｓ/ｈｅ               ｄｏｅｓ               ｎｏｔ               ｍｅｅｔ               ｔｈｅ               ｏｂｌｉｇａｔｉｏｎ. Ｗｈｅｎ               ａ               ｌｅｎｄｅｒ               ｓｕｃｃｅｓｓｆｕｌｌｙ               ｍａｋｅｓ               ａ               ｂｉｄ               ａｎｄ               ｗｉｎｓ,               ｓ/ｈｅ               ｒｅｃｅｉｖｅｓ               ｐａｙｍｅｎｔｓ,               ｗｉｔｈ               ｉｎｔｅｒｅｓｔ,               ｏｎ               ａ               ｍｏｎｔｈｌｙ               ｂａｓｉｓ. Ｔｈｅ               ｌｉｆｅ               ｏｆ               ｔｈｅ               ｌｏａｎｓ               ｔｈｒｏｕｇｈ               ｔｈｅ               ｓｉｔｅ               Ｉ               ｆｉｒｓｔ               ｔｒｉｅｄ               ｔｈｉｓ               ｔｈｒｏｕｇｈ               ｉｓ               ｔｈｒｅｅ               ｙｅａｒｓ. Ｉｆ               ａ               ｌｏａｎ               ｉｓ               100%               ｆｕｎｄｅｄ,               ｆｕｒｔｈｅｒ               ｌｅｎｄｅｒｓ               ｂｉｄｄｉｎｇ               ｏｎ               ｉｔ,               ｗｉｌｌ               ｄｒｉｖｅ               ｔｈｅ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ               ｄｏｗｎ,               ｓｏｍｅｔｈｉｎｇ               ｔｈａｔ               ｂｅｎｅｆｉｔｓ               ｔｈｅ               ｂｏｒｒｏｗｅｒ.                Ｗｈｅｎ               ａ               ｌｅｎｄｅｒ               ｉｓ               ｃｏｎｓｉｄｅｒｉｎｇ               ｗｈｉｃｈ               ｌｏａｎｓ               ｔｏ               ｂｉｄ               ｏｎ,               ｒｅｇａｒｄｌｅｓｓ               ｏｆ               ｗｈａｔ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ               ｉｓ               ｐｒｏｐｏｓｅｄ,               ｉｔ               ｉｓ               ｉｍｐｏｒｔａｎｔ               ｔｏ               ｏｎｌｙ               ｂｉｄ               ｏｎ               ｏｎｅｓ               ｔｈａｔ               ｙｏｕ               ｆｅｅｌ               ｓｕｒｅ               ｗｏｕｌｄ               ｒｅｐａｙ               ｙｏｕ,               ａｎｄ               ｗｈｏ               ｇｉｖｅ               ａｄｅｑｕａｔｅ               ｉｎｆｏｒｍａｔｉｏｎ. Ｔｈｅｒｅ               ａｒｅ               ａｌｌ               ｔｙｐｅｓ               ｏｆ               ｐｅｏｐｌｅ               ｔｈｅｒｅ,               ａｎｄ               ｐｅｏｐｌｅ               ｔｈｅｒｅ               ｗｈｏ               ｃｏｕｌｄ               ｎｏｔ               ｍａｎａｇｅ               ｍｏｎｅｙ               ｅｖｅｎ               ｉｆ               ｔｈｅｙ               ｗｏｎ               ｔｈｅ               ｌｏｔｔｅｒｙ,               ａｓ               ｗｅｌｌ               ｔｈｏｓｅ               ｗｈｏ               ｍａｋｅ               ａ               ｌｏｔ               ｏｆ               ｍｏｎｅｙ,               ｓｐｅｎｄ               ｖｅｒｙ               ｌｉｔｔｌｅ,               ａｎｄ               ｌｏａｎ               ｍｏｎｅｙ               ｏｕｔ. Ｗｈｉｌｅ               ｉｔ               ｗｉｌｌ               ｒｕｉｎ               ａ               ｐｅｒｓｏｎ'ｓ               ｃｒｅｄｉｔ               ｒｅｐｏｒｔ               ｉｆ               ｔｈｅｙ               ｄｏｎ'ｔ               ｐａｙ,               ａｎｄ               ｃｏｌｌｅｃｔｉｏｎｓ               ｗｉｌｌ               ｐｕｒｓｕｅ               ｔｈｅｍ,               ｙｏｕ               ｗａｎｔ               ｔｏ               ｃｈｏｏｓｅ               ｐｅｏｐｌｅ               ｗｈｏ               ｃａｒｅ               ａｂｏｕｔ               ｔｈｅｉｒ               ｃｒｅｄｉｔ               ｔｏ               ｈａｖｅ               ｔｈｅ               ｂｅｓｔ               ｃｈａｎｃｅ               ｏｆ               ｓｕｃｃｅｓｓ               ａｓ               ａ               ｌｅｎｄｅｒ. Ｔｈｉｓ               ｓｈｏｕｌｄ               ｂｅ               ｓｅｌｆ-ｅｖｉｄｅｎｔ.                Ａｌｌ               ｉｎ               ａｌｌ,               ｉｔ               ｏｆｆｅｒｓ               ａ               ｆｉｎａｎｃｉａｌ               ｏｐｔｉｏｎ               ｏｆ               ｐｏｓｓｉｂｌｅ               ｈｉｇｈｅｒ               ｉｎｔｅｒｅｓｔ               ｔｈａｎ               ｓａｖｉｎｇｓ               ａｃｃｏｕｎｔｓ               ａｎｄ               ｂｏｎｄｓ. Ｔｈｅ               ｄｉｆｆｅｒｅｎｃｅ               ｂｅｔｗｅｅｎ               ｉｎｖｅｓｔｉｎｇ               ｗｉｔｈ               ａ               ｐｅｅｒ-ｔｏ-ｐｅｅｒ               ｌｅｎｄｉｎｇ               ｓｉｔｅ               ａｎｄ               ｊｕｓｔ               ｈａｖｉｎｇ               ａ               ｓａｖｉｎｇｓ               ａｃｃｏｕｎｔ               ｉｓ               ｇｅｔｔｉｎｇ               ｙｏｕｒ               ｐｒｉｎｃｉｐａｌ               ｂａｃｋ               ｓｌｏｗｌｙ. Ｈｏｗｅｖｅｒ,               ｉｆ               ｔｈｅ               ｒｅｔｕｒｎｓ               ａｒｅ               ａｃｃｅｐｔａｂｌｅ,               ｌｅｎｄｅｒｓ               ｗｉｌｌ               ｂｅ               ｐａｔｉｅｎｔ               ｗｉｔｈ               ｒｅｃｅｉｖｉｎｇ               ｐｒｉｎｃｉｐａｌ               ｗｉｔｈ               ｉｎｔｅｒｅｓｔ               ｉｎ               ｐａｙｍｅｎｔｓ.                Ｍａｎｙ               ｌｅｎｄｅｒｓ               ａｌｓｏ               ｔａｋｅ               ｊｏｙ               ｉｎ               ｔｈｅ               ｈｕｍａｎ               ａｓｐｅｃｔ               ｏｆ               ｔｈｉｓ               ｔｙｐｅ               ｏｆ               ｌｅｎｄｉｎｇ,               ｂｅｃａｕｓｅ               ｐｅｏｐｌｅ               ａｒｅ               ｃｕｔｔｉｎｇ               ｂａｎｋｓ               ａｎｄ               ｃｒｅｄｉｔ               ｃａｒｄｓ               ｏｕｔ               ｏｆ               ｔｈｅ               ｅｑｕａｔｉｏｎ. Ｂｏｒｒｏｗｅｒｓ,               ｗｈｅｎ               ｔｈｅｙ               ａｒｅ               ｐａｙｉｎｇ               ｉｎｔｅｒｅｓｔ,               ｒｅｌｉｓｈ               ｔｈｅ               ｃｈａｎｃｅ               ｆｏｒ               ａ               ｒｅａｌ               ｈｕｍａｎ               ｔｏ               ｂｅｎｅｆｉｔ. Ｌｉｋｅｗｉｓｅ,               ｌｅｎｄｅｒｓ               ｔａｋｅ               ｃｈａｎｃｅｓ               ａ               ｂａｎｋ               ｗｏｕｌｄ               ｎｏｔ               ｔａｋｅ,               ｂｅｃａｕｓｅ               ｔｈｅｙ               ｓｅｅ               ｔｈｅ               ｈｕｍａｎ               ｓｉｄｅ. Ｂｏｒｒｏｗｅｒｓ               ｂｅｎｅｆｉｔ               ｗｉｔｈ               ｂｅｔｔｅｒ               ｉｎｔｅｒｅｓｔ               ｒａｔｅｓ               ｆｒｏｍ               ｌｅｎｄｅｒｓ               ｃｏｍｐｅｔｉｎｇ.                Ｃｒｅｄｉｔ               ｓｃｏｒｅｓ               ａｒｅ               ｎｏｔ               ｎｅｃｅｓｓａｒｉｌｙ               ａ               ｍｅａｓｕｒｅ               ｏｆ               ａ               ｐｅｒｓｏｎ'ｓ               ｇｏｏｄｎｅｓｓ               ｏｒ               ｗｏｒｔｈ,               ｂｅｃａｕｓｅ               ｔｈｅｙ               ｄｏ               ｎｏｔ               ｔａｋｅ               ｉｎｔｏ               ａｃｃｏｕｎｔ               ｔｈｉｎｇｓ               ｔｈａｔ               ｈａｐｐｅｎ               ｏｕｔｓｉｄｅ               ｏｆ               ｙｏｕｒ               ｃｏｎｔｒｏｌ,               ｔｈａｔ               ｅｖｅｎ               ｔｈｅ               ｂｅｓｔ               ｏｆ               ｕｓ               ｃｏｕｌｄ               ｎｏｔ               ａｎｔｉｃｉｐａｔｅ. Ｉｆ               ｙｏｕ               ａｒｅ               ｔｈｅ               ｔｙｐｅ               ｏｆ               ｐｅｒｓｏｎ               ｔｈａｔ               ｉｓ               ａ               ｗｉｎｎｅｒ               ｗｈｏ               ｍｅｔ               ｗｉｔｈ               ｏｂｓｔａｃｌｅｓ               ｂｕｔ               ｉｓ               ｄｅｔｅｒｍｉｎｅｄ               ｔｏ               ｏｖｅｒｃｏｍｅ               ｔｈｅｍ,               ｔｈｉｓ               ｏｆｆｅｒｓ               ａ               ｃｈａｎｃｅ               ｔｏ               ｔｕｒｎ               ａ               ｎｅｗ               ｌｅａｆ. Ｓｏｍｅ               ｃｏｎｓｏｌｉｄａｔｅ               ｈｉｇｈ               ｒａｔｅ               ｃｒｅｄｉｔ               ｃａｒｄｓ               ａｎｄ               ｏｔｈｅｒｓ               ｂｅｇｉｎ               ｂｕｓｉｎｅｓｓｅｓ               ｏｒ               ｓｅｅｋ               ｅｄｕｃａｔｉｏｎ. Ｏｔｈｅｒｓ               ａｒｅ               ｌｏｏｋｉｎｇ               ｔｏ               ｐａｙ               ｏｆｆ               ｏｆ               ａ               ｐａｙｄａｙ               ｌｏａｎ               ａｎｄ               ｂｒｅａｋ               ｔｈｅ               ｃｙｃｌｅ               ｏｆ               ｐｒｅｄａｔｏｒｙ               ｌｅｎｄｉｎｇ. Ｔｈｅ               ｒｅａｓｏｎｓ               ｗｈｙ               ｐｅｏｐｌｅ               ｐｏｓｔ               ｌｉｓｔｉｎｇｓ               ａｒｅ               ａｓ               ｉｎｄｉｖｉｄｕａｌ               ａｓ               ｔｈｅ               ｐｅｏｐｌｅ               ｔｈｅｍｓｅｌｖｅｓ. Ｆｏｒ               ｔｈｏｓｅ               ｗｈｏ               ａｒｅ               ｒｅｓｐｏｎｓｉｂｌｅ,               ｉｔ               ｃａｎ               ｂｅ               ｔｈｅ               ｄｉｆｆｅｒｅｎｃｅ               ｔｈｅｙ               ａｒｅ               ｌｏｏｋｉｎｇ               ｆｏｒ.                Ｔｈｅｒｅ               ａｒｅ               ｔｈｏｓｅ               ｗｈｏ               ａｒｇｕｅ               ｔｈａｔ               ｔｈｅ               ｈｕｍａｎ               ｓｉｄｅ               ｏｆ               ｃｒｅｄｉｔ               ｉｓ               ａ               ｍｕｃｈ               ｎｅｅｄｅｄ               ｖａｌｕｅ,               ｂｏｔｈ               ｆｏｒ               ｌｅｎｄｅｒｓ,               ｗｈｏ               ｃａｎ               ｒｅｃｅｉｖｅ               ａｂｏｖｅ               ａｖｅｒａｇｅ               ｒｅｔｕｒｎｓ,               ａｎｄ               ａｌｓｏ,               ｆｏｒ               ｂｏｒｒｏｗｅｒｓ,               ｗｈｏ               ａｔ               ｔｉｍｅｓ               ｎｅｅｄ               ｔｈａｔ               ｓｔｅｐ               ｂａｃｋ               ｕｐ               ａｎｄ               ｗｏｕｌｄ               ｌｉｋｅ               ｔｏ               ｐａｙ               ａ               ｈｕｍａｎ               ｂｅｉｎｇ               ａｎｄ               ｎｏｔ               ａ               ｃｏｒｐｏｒａｔｉｏｎ. Ｔｈｅｎ               ｔｈｅｒｅ               ａｒｅ               ａｌｓｏ               ｔｈｏｓｅ               ｗｈｏ               ｗｏｕｌｄ               ｎｅｖｅｒ               ｌｅｎｄ               ｍｏｎｅｙ               ｔｏ               ａ               ｓｔｒａｎｇｅｒ,               ｅｓｐｅｃｉａｌｌｙ               ｏｎｅ               ｏｎ               ｔｈｅ               Ｉｎｔｅｒｎｅｔ. Ｐｅｅｒ-ｔｏ-ｐｅｅｒ               ｌｅｎｄｉｎｇ               ｉｓ               ｓｔｉｌｌ               ｒｅｌａｔｉｖｅｌｙ               ｎｅｗ. Ｉｆ               ｙｏｕ               ａｒｅ               ｉｎｔｅｒｅｓｔｅｄ               ｉｎ               ｔｈｉｓ               ｔｙｐｅ               ｏｆ               ｉｎｖｅｓｔｉｎｇ,               ｒｅａｄ               ａｂｏｕｔ               ｐｅｅｒ-ｔｏ-ｐｅｅｒ               ｌｅｎｄｉｎｇ               ｆｒｏｍ               ａ               ｖａｒｉｅｔｙ               ｏｆ               ｓｏｕｒｃｅｓ               ｏｎ               ｔｈｅ               Ｉｎｔｅｒｎｅｔ               ａｎｄ               ｆｉｎｄ               ｏｕｔ               ｗｈａｔ               ｏｔｈｅｒｓ               ｈａｖｅ               ｔｏ               ｓａｙ. ＤＩＳＣＬＡＩＭＥＲ:               Ｔｈｅ               ｄｅｔａｉｌ               ａｂｏｕｔ               ｈｏｗ               ｔｈｅ               ｐｒｏｃｅｓｓ               ｗｏｒｋｓ               ｉｓ               ｂａｓｅｄ               ｏｎ               ｍｙ               ｅｘｐｅｒｉｅｎｃｅ               ｆｒｏｍ               ｍａｋｉｎｇ               ｔｈｒｅｅ               ｌｏａｎｓ               ａｔ               Ｐｒｏｓｐｅｒ.ｃｏｍ. Ｉ               ｄｏ               ｎｏｔ               ｋｎｏｗ               ｉｆ               ｔｈｅ               ｏｔｈｅｒ               ｔｗｏ               ｓｉｔｅｓ               Ｉ               ａｍ               ａｗａｒｅ               ｏｆ               ｄｏ               ｔｈｉｎｇｓ               ｉｎ               ｔｈｅ               ｓａｍｅ               ｗａｙ               ｂｅｃａｕｓｅ               Ｉ               ｈａｖｅ               ｎｏｔ               ｙｅｔ               ｔｒｉｅｄ               ｔｈｅｍ.                ＭＩＣＲＯＦＩＮＡＮＣＥ/ＰＥＥＲ-ＴＯ-ＰＥＥＲ               ＬＥＮＤＩＮＧ               ＬＩＮＫＳ:                Ｐｒｏｓｐｅｒ:               ｈｔｔｐ://ｗｗｗ.ｐｒｏｓｐｅｒ.ｃｏｍ/               Ｄｅｓｃｒｉｐｔｉｏｎ:               Ｔｈｅ               ｏｎｌｉｎｅ               ｍａｒｋｅｔｐｌａｃｅ               ｆｏｒ               ｐｅｏｐｌｅ-ｔｏ-ｐｅｏｐｌｅ               ｌｅｎｄｉｎｇ.                Ｔｈｅｓｅ               ａｒｅ               ｔｈｅ               ｏｔｈｅｒ               ｓｉｔｅｓ               Ｉ               ａｍ               ａｗａｒｅ               ｏｆ               ｔｈａｔ               ａｒｅ               ｂａｓｅｄ               ｏｎ               ａ               ｓｉｍｉｌａｒ               ｃｏｎｃｅｐｔ. Ａｓ               ｉｎ               ａｎｙｔｈｉｎｇ,               ｙｏｕ               ｓｈｏｕｌｄ               ｄｏ               ｙｏｕｒ               ｏｗｎ               ｒｅｓｅａｒｃｈ               ｂｅｆｏｒｅ               ｍａｋｉｎｇ               ｕｐ               ｙｏｕｒ               ｍｉｎｄ,               ｂｅ               ｓｋｅｐｔｉｃａｌ,               ａｎｄ               ｎｅｖｅｒ               ｉｎｖｅｓｔ               ｍｏｎｅｙ               ｔｈａｔ               ｙｏｕ               ｃａｎ'ｔ               ａｆｆｏｒｄ               ｔｏ               ｌｏｓｅ.                Ｇｒａｍｅｅｎ               Ｆｏｕｎｄａｔｉｏｎ:               ｗｗｗ.ｇｒａｍｅｅｎｆｏｕｎｄａｔｉｏｎ.ｏｒｇ. Ｄｅｓｃｒｉｐｔｉｏｎ:               Ｃｏｍｂｉｎｉｎｇ               ｔｈｅ               ｐｏｗｅｒ               ｏｆ               ｍｉｃｒｏｆｉｎａｎｃｅ,               ｔｅｃｈｎｏｌｏｇｙ               ａｎｄ               ｉｎｎｏｖａｔｉｖｅ               ｓｏｌｕｔｉｏｎｓ               ｔｏ               ｄｅｆｅａｔ               ｇｌｏｂａｌ               ｐｏｖｅｒｔｙ. Ｓｈｏｒｔ               ｒｅｖｉｅｗ:               ｈｔｔｐ://ｗｗｗ.ｓｑｕｉｄｏｏ.ｃｏｍ/ｇｒａｍｅｅｎ                Ｇｌｏｂｅｆｕｎｄｅｒ:               ｈｔｔｐ://ｗｗｗ.ｇｌｏｂｅｆｕｎｄｅｒ.ｃｏｍ/               (Ｉｎｔｅｒｎａｔｉｏｎａｌ)               Ａｔ               ｔｈｉｓ               ｔｉｍｅ               ｉｔ               ｉｓ               ｓｔｉｌｌ               ｉｎ               Ｂｅｔａ               ｍｏｄｅ. Ｄｅｓｃｒｉｐｔｉｏｎ:               Ｔｈｅ               ｏｎｌｉｎｅ               ｍｉｃｒｏｆｉｎａｎｃｅ               ｌｅｎｄｉｎｇ               ｅｎｇｉｎｅ...ｔｏ               ｍａｔｃｈ               ｌｅｎｄｅｒｓ               ａｎｄ               ｂｏｒｒｏｗｅｒｓ. Ｖｉｓｉｏｎ:               ｔｏ               ｃｒｅａｔｅ               ａ               ｇｌｏｂａｌ               ｃｏｍｍｕｎｉｔｙ               ｏｆ               ｌｅｎｄｅｒｓ.                Ｚｏｐａ:               ｈｔｔｐ://ｗｗｗ.ｚｏｐａ.ｃｏｍ/ＺｏｐａＷｅｂ/               (ＵＫ)                Ｋｉｖａ:               ｈｔｔｐ://ｗｗｗ.ｋｉｖａ.ｏｒｇ/               Ｋｉｖａ               Ｍｉｃｒｏｌｅｎｄｉｎｇ               ｉｓ               ａ               ｆａｓｔ-ｇｒｏｗｉｎｇ               ｎｏｎ-ｐｒｏｆｉｔ               ｔｈａｔ               ｐｒｏｖｉｄｅｓ               ａ               ｐｅｅｒ-ｔｏ-ｐｅｅｒ               ｌｅｎｄｉｎｇ               ｉｎｆｒａｓｔｒｕｃｔｕｒｅ               ｆｏｒ               ｔｈｉｒｄ               ｗｏｒｌｄ               ｅｎｔｒｅｐｒｅｎｅｕｒｓ. Ｋｉｖａ               ｌｅｔｓ               ｙｏｕ               ｌｅｎｄ               ｔｏ               ａ               ｓｐｅｃｉｆｉｃ               ｅｎｔｒｅｐｒｅｎｅｕｒ               ｉｎ               ｔｈｅ               ｄｅｖｅｌｏｐｉｎｇ               ｗｏｒｌｄ               --               ｅｍｐｏｗｅｒｉｎｇ               ｔｈｅｍ               ｔｏ               ｌｉｆｔ               ｔｈｅｍｓｅｌｖｅｓ               ｏｕｔ               ｏｆ               ｐｏｖｅｒｔｙ.                Ｓｈｏｒｔ               ｒｅｖｉｅｗ               ｏｆ               Ｋｉｖａ:               ｈｔｔｐ://ｗｗｗ.ｂｕｓｉｎｅｓｓ-ｏｐｐｏｒｔｕｎｉｔｉｅｓ.ｂｉｚ/2006/07/28/ａ-ｌｉｔｔｌｅ-ｍｏｎｅｙ-ｇｏｅｓ-ａ-ｌｏｎｇ-ｗａｙ/.                Ａ               ｒｅｖｉｅｗ               ｏｆ               Ｋｉｖａ:               ｈｔｔｐ://ｒａｎｄｏｍｓｐｅａｋ.ｂｌｏｇｓｐｏｔ.ｃｏｍ/2007/02/ｍｉｃｒｏｌｅｎｄｉｎｇ.ｈｔｍｌ                Ｆｕｒｔｈｅｒ               ｒｅｓｅａｒｃｈ:               Ｇｏｏｄ               ｓｅａｒｃｈ               ｔｅｒｍｓ               ｆｏｒ               ｗｗｗ.ｇｏｏｇｌｅ.ｃｏｍ               ｏｒ               ａｎｙ               ｇｏｏｄ               ｓｅａｒｃｈ               ｅｎｇｉｎｅ:               Ｋｉｖａ               ｍｉｃｒｏｌｅｎｄｉｎｇ

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7. Amused to Debt

   blogocrats.wordpress.com/   11/29/2008

   ...over $32,000 per person. In 1992, the ratio of household debt to income was 56%, in 2002 it was...than 5% of household disposable income to service the mortgage. Even with rates...

8. ... 100 PSEC at $10.85/Interest Rates and Stock Prices/Shiller CAPE Ratio (P/E 10)/Sold 405+ EOI at $12.35+/Added 50 of the Synthetic Floater GYB...

   tennesseeindependent.blogspot.com/   08/10/2013

   ... have plunged, as Levy undoubtedly knows. The debt service payment to disposable income ratio has fallen to levels last seen in 1980...

9. New macro-debt statistics from Eurostat

   rwer.wordpress.com/   02/14/2012

   ...? Or are debt-to-income and “cost of debt services to income” ratios the keys? @Olafur: Spain increased wages, Germany...

10. Who's to Blame for Household Debt Levels?

    valentemike.blogspot.com/   10/22/2012

    ... and a high debt-income ratio. To ease consumers... to such a debt level while at the same time... as a customer service representative (teller). I...

Debt Service To Income Ratio - Blog Homepage Results

optimalbyannuityunit

http://annuityunit.wordpress.com/

...Early and Invest Them When to Take Social Security Benefits...Up Minimum Guaranteed Income Benefit 7% Roll Up Base ...for Minors Acid Test Ratio Active Participant Accumulated...

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