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Nice Bad Debt Card photos

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Some awesome negative credit card pictures:

Birmingham Bubbles
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< a href=" http://www.flickr.com/photos/7310714@N06/3450140478 "> Wootang01 9.4.09 The trip got here in a timely manner; and the twelve hrs while aboard passed swiftly as well as without case. To be sure, the high quality of the Cathay Pacific service was exemplary when again.

Heathrow advises me of Newark International. The décor comes right out of the clean and sterile 80’s as well as is less an eyesore than a subdued background to the rhythm of human task, such stress, at the fore. There absolutely are faces from all races existing, producing a rich mosaic of humanity which is revitalizing if not entirely rejuvenating after swimming for so lengthy in a sea of Chinese faces in Hong Kong.

Web gain access to is secured in England, it appears. Absolutely nothing is cost-free; whatever is egregiously monetized from the cordless hotspots down to the desktop terminals. I presume Hong Kong has actually ruined me with its bountiful, cost-free access to the info superhighway.

11.4.09 In spite of remaining in a room with five various other backpackers, I have been sleeping well. The bed mattress and cushion are company; my earplugs keep the noise out; and the resting quarters are as dark as a cavern when the lights are out, and also just as bright as, probably, a dreary wet day when on. In conclusion, St. Paul’s is an excellent place to remain for the gregarious, adventurous, as well as penurious city explorer – couchsurfing might be a tenable choice; I’ll test for following time.

Yesterday Connie and I stuffed ourselves at the borough market where there were all kinds of savory, savory victuals. There was most definitely a European flavor to the food fair: simmering sausages were to be discovered almost everywhere; and high as the meat abounded, and also genuine, so were the dairy specials, in the form of myriad rounds of cheese, stacked high behind checkered tabletops. Naturally, we cleaned these delicious nibbles with generous amounts of alcohol that streamed from cups as though brownish-yellow falls. For the very first time I tried mulled wine, which tasted like cozy, rancid fruit punch – the perfect restorative for a drizzling London day, I suppose. We later on eliminated the mid-day at the club, shooting the wind while imbibing a number of diminutive half-pints in the process. Obtaining shattered at 4 in the mid-day doesn’t appear like such a poor point anymore, especially when you are enjoying in the business of good friends; I could much more appreciate why the English do it so a lot!

Previously in the day, we saw the Tate Modern. Its generator room measured up to its prominent invoicing what with a gigantic crawler, full with round egg cavity, securing the retrospective display. The permanent galleries, as well, were a pleasure after which to feast one’s eyes. Picasso, Warhol and Pollock ruled the chambers of the top floors with the items of their supple wrists; and also I ended up coming to be a big fan of cubism, while creating a disdain for abstract art and its superficial pictures, which, I feel, are devoid of both inspiration and feeling.

My initial trip yesterday early morning was to Emirates Stadium, residence of the Collection Gunners. It towers imperiously over the surrounding neighborhood; yet for all its greatness, the area sure was peaceful! Company did select up later on, nonetheless, once the armory shop opened, and dozens of fans came down on it like to a hive. I, also, stroked know a gift-buying objective, as well as wound up purchasing a publication for Godfrey, a headscarf for a student, and also a jacket – on sale, certainly – for excellent step.

I’m sitting in the Westminster Abbey Gallery now, relaxing my fatigued legs as well as burdened back. Thus far, I have actually been verily excited with exactly what I’ve seen, such a confluence of elegance and also background prior to me that it would require days to absorb everything, when regretfully I can spare only a couple of hours. My preferred component of the abbey is the poets catch where no less a literary star than Samuel Johnson rests in peace – his breast validates his comfortable visibility, which was so clearly captured in his bio.

For lunch I had a steak and also ale pie, served with mash, taken along with a Guinness, additional cold – 2 degrees centigrade colder, the bartender explained. It decreased well, like all the other scrumptious dishes I’ve had in England; and no question now I have expanded familiar with intemperance at half past two. Besides, Liverpool were playing inspired football against Blackburn; and also my lunch was full.

Having had my fill of football, I determined to avoid my ticket scalping endeavor at Stamford Bridge as well as instead roamed over to the British Museum to evaluate their substantial collections. Along the road, my eye caught a cinema, its doors vast open as well as confessing customers. With much rapidity, I subsequently checked the program times, saw that an efficiency was readied to begin, and finally hurried to the box workplace to buy a discounted ticket – if you call a 40 pound ticket an offer, that is. That’s exactly how I got hold of a seat to see Hairspray in the West End.

The program deserved forty extra pounds. The songs was addicting; and also the phase design as well as effects were not so much gaudy as wonderfully promoting – the pulsating history lights went to when scintillating and passing through. The actors too were lively, exuding charisma while they danced and delivered lines trickling in wit. Hairspray is a top quality manufacturing as well as most definitely recommended.

12.4.09 At breakfast I rested across from a male that asked me to which nation Hong Kong had actually been returned – China or Japan. That was pretty funny. Then he began spewing on my food as he spoke, completely oblivious to my morning meal coming to be the receptacle in which the fruit of his inner churl was being positioned. I presume I comprehend the convention nowadays of covering one’s mouth whilst talking and masticating at the exact same time!

We in fact chatted on London life in general, and I praised London for its racial assimilation, the act of which is a prodigious jump of confidence for any culture, attempting to be comprehensive, accepting all type of people. It wasn’t as though the Brits were attempting in vain to be all points to all guys, using Spanish with the visitors from Spain, German with the Germans as well as, even, Hindi with the Indians, no matter of whether or not Hindi was their indigenous language; not even considering the silly concept of urging the international fostering of their language; consequently completely maintaining English in English hands as well as allowing its honored polyglots to “” practice” their languages. Certainly, the effort of the Londoners to make use themselves of the rich mosaic of ethnic knowledge, as well as to look for an usual understanding with an ubiquitous English accent is a prototype, as well as the bedrock for any kind of world city.

I celebrated Jesus’ rebirth at the St. Andrew’s Street Church in Cambridge. The of this Baptist church were warm as well as gracious, as well as I met several of them, including one seeing (Halliday) linguistics scholar from Zhongshan college in Guangzhou, who as a matter of fact had actually seen my tiny City University of Hong Kong in 2003. The service itself was much more traditional and also the believers fewer in number compared to the “” dynamic” services at any of the charming, evangelical churches in HK; yet that’s just what makes this part of the body of Christ one-of-a-kind; besides, the message was as brief as a powerpoint slide, as well as interesting no much less; the power word which talked right into my life being a concern from John 21:22- just what is that to you? Big trees; exquisite lawns; as well as old, sharp universities; that’s Cambridge essentially. Resting here, drinking on a half-pint of Woodforde’s Wherry, I’ve had a leisurely, if not languorous, day thus far; my single responsibility containing walking around while soaking up the green environment as though a sponge, electronic camera in tow. I am back at the sublime beer, relishing a pint of Sharp’s DoomBar before my fish and chips show up; the legal age is 18, however any person whose visage even hints of younger luster is most likely to obtain carded these days, the bartender informed me. The youth alcohol consumption society here is almost as twisted as the college alcohol consumption society in America. My keep in Cambridge, relaxing as well as desultory maybe, will end hereafter late lunch. I a not exactly sure if there is anything entrusted to see, conserve for the American graveyard which rests an impossible 2 miles away. I have had a remarkable time in this community; and also am glad for the accessibility into its living background- the locals right here have to demonstrate amazing persistence as well as tolerance what with numerous visitors ambling on the streets, peering -and also photographing- right into every nook and cranny. 13.4.09 There are no rubbish bins, yet I have actually seen on the streets many combined race couples in

which the
guys have a tendency to be white- the women likewise belonging to a light colored ethnic culture, normally some kind of Oriental; too saw some black men and also Indian guys with white chicks. Individuals right here hold doors, even at the entry to the commode. Sometimes it looks like though they are chancing

, simply waiting for the one that will certainly take the obligation for the door from them, at which point I rush out to alleviate them of such an arbitrary concern. I went to the British Museum this morning. Both hrs I spent there did neither myself neither the exhibitions any justice because there
actually is also much to study, enough exciting things to last an entire day, I assume. The bottomless well of artefacts from antiquity, attracting from resources as varied as Korea, and Mesopotamia, is a credit rating to the British empire, without whose looting the majority of this fantastic booty would certainly be inaccessible for our purview; far better, I think, for these priceless treasures to be available to all in the grandest supermarket of history than away from human eyes, and also worst yet, in the hands of dishonest collectors or in the rubbish container, possibly. Irene and I took in the ballet Giselle at The Royal Music hall in the afternoon. The building is a deluxe wonder, and a testament to this city’s love for the arts. The ballet itself was satisfying, the very first fifty percent transcending to the second, where the active dancers demonstrated their incredible mastery in, of all places, a graveyard covered in a cape of smoke and darkness. I admit, their dance of the dead, in such a dismal necropolis, did strike me as, weird. 2 friendly women from Kent persuaded me to visit their home town tomorrow, where, they informed me, the authentic, “working

” Leeds Castle and also the mighty fascinating house of Charles Darwin await. I’m taking care of a pint of Environment-friendly King Ruddles and also questioning concerning “the abundance of British ales and also lagers; the British have actually done a fantastic deed for the world by producing an interminable line of low-alcohol session beers that could be taken pleasure in at morning meal, lunch, tea and also dinner; and also their disservice is this: besides this endless supply of affordable beer ensnaring my internal alcoholic, I feel myself placing on my freshman fifteen, nearly ten years after the truth; I am going to have to run a little bit harder back in Hong Kong if I wish to shed all this malty gas off. Irene suggested I stop by the National Art Gallery considering that we remained in the location; as well as it was an hour well spent. The gallery presently provides a special exhibit on Picasso, the non-ticketed section which features a number of sexy renderings, consisting of David snooping on Bathsheba -repeated in clever versions- as well as parodies of various other masters’ jobs. Moreover, the main gallery houses two incredible portraits by Joshua Reynolds, that occurs to be favorite of mine, he in life being a buddy of Samuel Johnson- I went by Boswells, where its name first fulfilled Johnson, on my means to the music hall. 14.4.09 I hoped last evening, as well as underwent my list, lifting every person on it approximately the Lord. That really felt good; that God is active currently, and also ever before existing in my life as well as in the lives of my brothers as well as sisters.

Doubtless, then, I have actually really felt quite wistful, as though a specter in the land of the living, remaining in an area where religious fervor, it appears, is a thing of the past, a trifling

for many, to be hidden away in the nontransparent corners of centuries-old basilicas that are much more expensive traveler locations compared to liberating houses of praise nowadays. Certainly, I have yet to see anyone pray, outside of the Easter service which I went to in Cambridge- for such an overjoyed minute in verily a grand church, would you believe that it was just participated in by at most 3 dozen spirited ones. The people of England, as well as Europe generally, have, it is my hope, only secured away words, delegating it to the peaceful vault of their hearts. May it be gotten in the unexpected time out before nourishments and also in the still crisp early mornings and awesome, silent nights. There is still really hope for a revival in this location, for belief to climb like that remarkable sunlight every early morning. God would certainly love to rescue them, to supply them in this day, it is specific. I question just what Londoners think, if anything at all, concerning their authorities state which, like a creeping plant in the shadows, has taken root in all edges of every day life, from the terrorist notifications in the underground, which beg Londoners to report all points dubious, to both of dogs which excitedly walk with Euston. Exactly what makes this the more extraordinary is the fact that even the USA, the unbeatable nemesis of the recently established, rebel order, does not risk bombard its citizens with such fear mongering nowadays, particularly with Obama in workplace; perhaps we’ve grown smart in these previous few years to the suspicious returns of giving up civil liberties to the state, of having our bags inspected almost everywhere- London Eye; Hairspray; as well as The Royal Opera House check bags in London while the museums do not; somehow, that doesn’t build up for me. I remain in a stunning bookshop on New Road in Birmingham, and also absolutely to verify my uncertainties, there are just as lots of publications on the death of Christianity in Britain as there are publications which attempt to murder Christianity everywhere. I did locate, nevertheless, a nice biography on John Wesley by Roy Hattersley and also The Screwtape Letters by C.S. Lewis. I might select up the previous. Lunch with Sally was positive as well as mirthful. We dined at a French restaurant neighboring New Street -yes, Birmingham is a cultural capitol! Sally as well as I both attempted their omelette, while her partner had the fish, without chips. Conversation was light, the levity existed as well as so was our thinking back

regarding those short lived minutes throughout our very first year in Hong Kong; it is outstanding just how friendships can return to so all of a sudden with a smile. On their recommendation, I am on my way to Warwick Castle -they also suggested that I visit Cadbury Globe, however they can not handle extra visitors currently, the tourist office team notified me, much to my dissatisfaction! Seeing Warwick Castle really produced a terrific day out. The castle, parts of which were established by William the Conquerer in 1068, is as much a garish vacationer catch as a thorough conservation of history, at times a sillier variation of Ocean Park while at others a dignified devotion to a most remarkable
, necessarily English past. The castle accommodates all visitors; as well as not remarkably, that which delighted all target markets was a large trebuchet siege engine, which for the 5 p.m. performance tossed a fireball high as well as far into the air- fantastic! Taliban beware! 15.4.09 I’m leaving on a jet aircraft this evening; aren’t sure when I’ll be back in England again. I’ll miss this eccentric, yet charming location; as well as that I will miss out on Irene and Tom that so generously welcomed me right into their house, fed me, and also endured my use their bathroom as well as shower goes without saying. I’m happy for God’s lots of blessings on this trip. On the schedule today

is a journey to John Wesley’s home, followed by a check out to the Imperial War Museum. Currently today I got a tube of Oilatum, a week late probably, which Teri suggested I use to treat this obstinate, dermal weak point of mine- I enjoy to report that my skin has actually quit sobbing. John Wesley’s home lives

as well as well. Providers are still held in the church everyday; and its crypt, so much from being a cellar for the dead, is an intense, roomy gallery in which all things Wesley get on screen -I never ever realized how much of a renowned number he became in England; at the height of this idol frenzy, paradoxical by itself, he must have been as popular as the Beatles went to their pinnacle. Your house itself is a multi-story erection with narrow, sheer staircases and roomy rooms enhanced in an 18th century fashion. I discovered Samuel Johnson’s house within a puzzle of red brick concealed alongside Fleet Street. To be in the home of the guy that composed the English thesaurus, and whose tireless love for unknown words became the motivation for my very own lexical fixation, this, by much, is the orgasm of my browse through to England! The most effective certainly has actually been saved for last. There are a wide range of pictures hanging around your home like ornaments on a tree. Every likeness has its own story, carefully retold on the crib sheets in each area. Celebrities are plentiful, including David Garrick and Sir Joshua Reynolds, who painted several of the finer photos in the residence. I have developed a certain affinity for Oliver Jeweler, of which Boswell composes,” His individual was
short, his sanction coarse as well as off-color, his deportment that of a scholar awkwardly influencing the very easy gentleman. It appears as though I, as well, might use a much more flattering description of myself! I regretfully couldn’t quit to attempt the curry in England; I think the CityU canteen’s take on the meal will need to do. I did, however, have the suitable job of flirting with the adorable Cathay Pacific respond to team that examined me in. She was lovely in red, light powder on her cheeks, with real diamond jewelries, she claimed; and her tiny, fragile face, commanded by a posh British accent made her positively alluring, impressive. Not just did

she grant me an aisle seat but she had the gumption to return my fawning with passion; she has to be a pro at this by currently. I saw her once more as she was pulling double-duty, collecting tickets prior to boarding. She remembered my pursuit for curry; and also in the fog of infatuation, where nary a male has been made, I stumbled my words like the careless child that has actually had excessive strike. I am just an amateur, alas, an” Oliver Goldsmith” with the ladies- I got no video game- booyah! Some last, consequential little bits: as a result of the chavs, Burberry no more offers those fashionable baseball caps; as a result of the IRA, rubbish containers are no more an asset on the roads of London, and because of this, the streets and the Underground of the city are a dirtied mess; as well as because of other terrorists from distant, a lot more arid lands, experiencing a Western airport has handled the routine of perfunctory procedure that does not “make me really feel any more secure from my undetectable adversaries. Finally, I saw a lot of Indians working at Heathrow that I can have quickly mistaken the place for Mumbai. Their existence stunned me because their part of the general populace surely must be much less compared to their portion of Heathrow team, suggesting some strange hiring bias. No matter, they do an outstanding work with brief flight terminal checks, as well as generally are absurdly amusing and also witty when not thoughtless. That’s all for England! Bad Credit report?< img alt= "negative credit rating bank card" src= "https://farm4.staticflickr.com/3327/5792929304_430ca048f5.jpg "size=" 400"/ > Picture by< a href =" http://www.flickr.com/photos/53500715@N08/5792929304" > natloans Debt card-financial background

The Advantages Of Debt Consolidation Loan For Borrowers

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People under debt can better understand the feeling undergone by those who are unable to sleep because of the burden of debt on them. The inability to repay the debt on time is the biggest burden on the debtors. To make it worse, the creditors came barging into their homes, making it more embarrassing for the debtors. Not always it happens that debtors have squandered the money taken from the creditors and now stand bankrupt, looking for debt solutions. There are debtors who genuinely require help with their debt management.

There are many people who take loans for a number of reasons. These loans may be for buying a new car, starting a new business, student loans, credit card loans etc., the list is endless. The financial institutions or the banks have made everything easily accessible for the common man. It is not a hamper if you can repay the loan taken with ease. The problem begins when you are unable to pay the loan for any reason whatsoever. There is none who does not want to clear his debt and live a life free of debt. Debt consolidation is the answer to all your worries.

By availing the debt consolidation loan, you get rid of all the other loans that weigh on your mind. Consolidating all the other loan makes you accountable to only one creditor, who provides the debt consolidation loan. It becomes very difficult for people to keep track of what payments are due, to whom, how much they have to pay and whether they will be easily managed or not. This mismanagement will invariably cause late deposits of dues or there may be mis-outs in repayment. Debt consolidation loan gives the debtor leverage in repayment and liberty from such troubles. There are two types of debt consolidation loans available to the people.

Secured debt consolidation loan.
Unsecured debt consolidation loan.

A secured debt consolidation loan can be availed by the person by keeping as security his property, car, house, savings account or bonds. The rate of interest charged in this kind of loan is less because the loan is held against the property of the borrower.

An unsecured debt consolidation loan is not tenable against the property of the borrower. This makes the rate of interest higher in the case of unsecured loan. Whereas, the borrower becomes safe if he procures unsecured loan as his property is not involved in the process.

The debt consolidation loan also offers the borrower leverage in paying back loans in reducing monthly installments. This helps in generating cash flow to the borrower and repayment in small monthly installments does not burn a hole in the pocket of the borrower. It saves both the time and the money of the borrower as now he has to deal with a single loan provider. The repayment terms of the debt consolidation loan are also more flexible than the other debts. They offer a long time to repay the loan along with no fixed monthly installment. You can pay the loan as soon as you have the money.

The benefits of the debt consolidation loan are immense if the borrower sticks to the golden key of repayment, discipline.

To know more about the advantages of debt consolidation loan for borrowers visit Debt Consolidation and Debt Solutions.

An animated breakdown of consumer debt relief options presented by http://www.DebtConsolidation.com.
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Benefits of negative debt automobile loans

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auto loans
by Jack Snell-Thanks for over 26 Million Views With almost one quarter of the

American population encountering credit score troubles, you could feel relieved to recognize that you are not the only one with negative credit score. If you have actually lately been with the financial situation which is mirrored in your credit declaration, you need not stress much. You could still obtain your desire vehicle funded. With the enhancing variety of individuals captured up in the economic dilemma and negative credit rating reports, the financial market has come up with an appropriate service for such individuals through poor credit rating cars and truck lendings. Yes, those with the poor credit rating, thinking of getting a vehicle, could conveniently avail poor credit history auto loans and also appreciate the below provided advantages of it.Opportunity to boost your credit score Negative credit auto fundings provide you an opportunity to fix your destroyed
credit report. By making routine as well as punctual repayments for your financed car, you get an opportunity to enhance your current credit report. Nonetheless, if you wind up missing out on the repayments of your premiums and even make the delayed repayments, it may adversely affect your credit history score. You have to consequently always keep in mind making the payments of your poor debt automobile loans prior to the due date. This will certainly also forecast you in the eyes of loan provider as someone who treats his economic obligations seriously.Ability to have a vehicle Bad credit cars and truck fundings provide you with a possibility to own a car. So, in addition to repairing your destroyed credit history record, by getting poor credit auto finance, you also obtain the ownership of your desire car. Nonetheless, you require to repay your loan entirely, before getting the real possession of the auto. Usually negative credit score vehicle loan featured fairly greater rate of interest and higher monthly costs. It is therefore recommended that you do extensive research on the dealerships providing automobiles with the bad credit history automobile lendings and also lastly pick the one with the reduced interest rate. In order to even more decrease the rate of interest and also the monthly installations of your financed car, you can opt for cheap brand-new cars and truck model.Establish new relationships with lenders Making prompt repayment of the regular monthly premiums of your poor credit report vehicle fundings will certainly enable you to develop fresh and a healthy and balanced
connection with your lender. This could be valuable to you in the long run when you might need one more funding. Given that you share a healthy and balanced partnership with this loan provider, he may even give lendings to you at lower interest rate and also versatile choices for payments.You can hence make use of negative credit rating vehicle loan to obtain your desire cars and truck. All you need to be mindful around is locating a reputable lender who will certainly offer you the bad credit car loan at really affordable rate of interest.
Automobile Credit scores Max provides significant choice of autos, trucks, vans, and also SUV’s through several of their dealers. They give ensured financial alternatives for all the kinds of fundings including great credit scores, no credit report as well as even bad credit rating vehicle loan. For those of you thinking of negative credit report car fundings, please do not hesitate to visit www.autocreditmax.com. RelevantVehicle Fundings Articles

Pros and Cons of Financial debt Loan consolidation

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< iframe width=" 425" elevation =" 355 "src =" https://www.youtube.com/embed/uMVPMtrNx3w?rel=0" frameborder =" 0 "allowfullscreen > There are benefits to making use of debt combination as a way to handling economic strain, but there are likewise disadvantages to this financial obligation method. We will certainly cover much of that today, so you can better choose whether combining your credit score card costs into a funding is the most effective choice for you.

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Michael Bovee started CRN in 2004 with a goal to give people in demand with in-depth credit history as well as financial debt aid.
The DebtBytes Channel is an extension of the CRN blog site, and also is committed to discovering the debt alleviation alternative or technique that functions best for you.< iframe size =" 425" height=" 355 "src=" https://www.youtube.com/embed/x8mK5ezL96o?rel=0" frameborder=" 0 "allowfullscreen > Take a look at The Rachel Cruze YouTube Channel for life as well as loan pointers! http://www.youtube.com/user/RachelCruze?sub_confirmation=1.

________________________________________________________________. Carol asks Dave for suggestions on how you can consolidate her financial obligations. Discover A Financial Peace class near you! http://www.daveramsey.com/fpu/classfinder?ectid=70.11.1146. Have a look at Chris Hogan s book Retire Inspired. http://www.daveramsey.com/store/books/retire-inspired-by-chris-hogan/prodD078.html?ectid=70.11.1145. Do you want to take control of your loan
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https://www.daveramsey.com/elp/investing?ectid=70.11.1140. IN THIS VIDEO: Dave Ramsey, The Dave Ramsey Program, Financial Peace University, FPU, The Overall Loan Transformation, budget, envelope system, reserve, child steps, radio show, debt flexibility, EntreLeadership, mortgage, ELP, daveramsey.com, loan, financing, economy, spending, saving, retirement, money, shared fund, securities market, service, management, credit rating, drtlgi.

Cool Debt Management images

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Check out these debt management images:

« €YPΩ – ∏OΛI∑ » burning
debt management
Image by quapan
German Banks ‘Can Afford’ a Greek Debt Default @ greek crisis, Bloomberg, November 3, 2011
Hans Reckers, managing director of Germany’s association of public banks, talks about the Greece crisis and German banks’ capital requirements. He speaks from Berlin with Francine Lacqua on Bloomberg Television’s "On the Move."

+++ Ticker zur Euro-Schuldenkrise +++ @ 3rd November 2011
Berlin/Cannes/Athen (dpa) – Unser Ticker zur Euro-Schuldenkrise, zu den Entwicklungen in Griechenland und zum G20-Gipfel.

Greece Offers to Repay Bailout with Giant Horse
BRUSSELS (The Borowitz Report) – In what many are hailing as a breakthrough solution to Greece’s crippling debt crisis, Greece today offered to repay a bailout from the European Union nations by giving them a gigantic horse.
Finance ministers from sixteen EU nations awoke in Brussels this morning to find that a huge wooden horse had been wheeled into the city center overnight.
The horse, measuring several stories in height, drew mixed responses from the finance ministers, many of whom said they would have preferred a cash repayment of the EU’s bailout.
But German Chancellor Angela Merkel said she “welcomed the beautiful wooden horse,” adding, “What harm could it possibly do?”

‘Greek drama missing main player – the people’
The Greek Prime Minister will keep his job, at least for now, after securing a crucial confidence vote from Parliament. It comes after George Papandreou horrified the country’s European partners and wreaked international havoc on the markets by calling a referendum on the EU bailout plan for Greece, a move he later cancelled. RT correspondent Sara Firth is in the Greek capital with the latest.

Euro-Macher übernimmt Schuldenstaat @orf.at, 10.November 2011
Eigentlich hätte der Nachfolger des zurückgetretenen griechischen Premiers Giorgos Papandreou bereits am Mittwoch präsentiert werden sollen. Doch bis zum Schluss rangen Konservative und Sozialisten um einen geeigneten Kandidaten. Nun hat sich doch der lange als Favorit gehandelte Ex-Vizepräsident der EZB, Lucas Papademos, durchgesetzt.

Euro in Not
Dr. Hans-Peter Martin am 16.11.2011.
Der Euro wackelt – aktuelle Zahlen, die Bezüge herstellen.
Die Kreditratings
Ständig hört man die Drohungen dieser oder jener Ratingagentur, dass bald ein Euroland herabgestuft wird, und die Politiker zittern. An den Ratings orientieren sich die Finanzinstitute, wenn sie Staaten Kredite verleihen – wer ein niedriges Rating hat zahlt mehr. Hier eine Übersicht der Ratings der Eurozonenländer vom Oktober 2011. Eine gute Erklärung, was die einzelnen Ratings bedeuten, gibt es hier.

Biggest Creditors of Greece
COUNTRY CREDITOR DEBTS in €
GR National Bank of Greece 18,8 Billion
GR EFG Eurobank 8,8 Billion
GR Piraeus Bank 8,2 Billion
GR Atebank 7,9 Billion
GR Alpha Bank 5,5 Billion
GR Hellenic Postbank 5,3 Billion

FR BNP Paribas 5,0 Billion
CY Marfin Popular Bank 3,4 Billion
DE Commerzbank 3,0 Billion
FR Société Générale 2,7 Billion
CY Bank of Cyprus 2,4 Billion
DE Deutsche Bank 1,5 Billion
GB Royal Bank of Scotland 1,2 Billion
IT-AT Uni-Credit 800 Million

Wo der griechische Staat Milliarden €-Schulden hat
(.laut "Zeit Online" vom 16. Februar 2015 12:36 Uhr.)
Gesamtsumme: ∑ = 315,5 Milliarden €
…Kredite über EFSF: 141,8 Mrd. €
…bilaterale Kredite: 52,9 Mrd. €
…Staatsanleihen (Private): 40,5 Mrd. €
…Staatsanleihen (EZB): 27,0 Mrd. €
…offene Kredite des IWF: 25,0 Mrd.€
…T-Bills (Staatsanleihen mit kurzer Laufzeit): 15,0 Mrd. €
…andere Schulden: 13,3 Mrd. €

Greece has 60 billion euros in unpaid taxes: EU report (17th November 2011)
BRUSSELS (Reuters) – Greece has 60 billion euros ( billion) in unpaid taxes because of tax avoidance and lack of compliance, a report by the European Commission’s task force on Greece said on Thursday.
The figure is equivalent to around 25 percent of Greek gross domestic product. Greece’s total public debt stands at 370 billion euros, or around 160 percent of GDP.
Of the 60 billion euros of unpaid taxes, half is in uncollected taxes that are already subject to court cases, some of which have been running for more than 10 years, the report said. Only about 8 billion euros is quickly recoverable.
"Even though the actual prospects for collection are very low, the very size of these tax arrears casts a doubt over the efficacy of the overall tax administration," the report said.
"A number of areas for rapid progress have been identified including debt collection, large taxpayers, dispute resolution, and tax audit," the report said.
"There are additional areas for development such as management and organization of the tax administration, risk and revenue analysis, taxpayer services," it said.
The Commission’s Task Force on Greece has the task of identifying and coordinating all technical assistance to Greece to help reforms in the country and boost its economic growth.
(Reporting By Jan Strupczewski; editing by Luke Baker)

Griechenlands Rettung hängt am seidenen Faden @ reuters, Fr, 10. Februar 2012
Berlin/Athen (Reuters) – Die Rettung Griechenlands vor der Pleite steht nun überraschend doch wieder auf der Kippe.

Am Tag nach dem von der Regierung verkündeten Bekenntnis zu einem von EU und IWF geforderten Sparplan torpedierte die rechte Koalitionspartei Laos am Freitag den Beschluss. Ohne diesen wollen die ausländischen Geldgeber die benötigten 130 Milliarden Euro aber nicht auf den Weg bringen. Zugleich attackierte Laos-Chef Giorgos Karatzaferis Bundeskanzlerin Angela Merkel, die "mit dicker Brieftasche Südeuropäern ihren Willen aufzwingen" wolle. Die Proteste gegen die harten Sparauflagen eskalierten in Athen. Die Gewerkschaften riefen unter der Losung "Leistet Widerstand!" einen zweitägigen Generalstreik aus. Auch die Troika aus EU, IWF und EZB geriet ins Fadenkreuz: Polizeigewerkschaften drohten gar mit Haftbefehlen gegen Vertreter der Dreiergruppe.
Die vier Laos-Minister boten den Rücktritt an. Damit bleibt eine zentrale Forderung der Troika nach parteiübergreifender Unterstützung für den Sparkurs unerfüllt. Karatzaferis warf Bundeskanzlerin Merkel Herrschsucht vor. Sie habe die Schaltzentrale Europas von Brüssel nach Berlin verlegt und stimme sich dabei eng mit ihren "Satellitenstaaten" Niederlande, Österreich, Finnland und "leider auch Luxemburg" ab.
KEINE AUSZAHLUNG OHNE UMSETZUNG
Der Ministerpräsident des Großherzogtums und Eurogruppenchef, Jean-Claude Juncker, hatte zuvor klargemacht, dass Griechenland vorerst noch kein grünes Licht für die Rettungshilfen erwarten kann. Die zuvor gemachte Zusage aus Athen, dass alle Parteien den Sparkurs mittrügen, reichte den Ministern nicht aus. Am Sonntag müsse das griechische Parlament das Sparprogramm beschließen, die Parteichefs müssten zudem ihre Zusage schriftlich vorlegen, und es fehlten noch konkrete Maßnahmen zur Einsparung von 325 Millionen Euro 2012. "Keine Auszahlung ohne Umsetzung", sagte Juncker.
Erfüllt Griechenland die Forderungen, kommen die Euro-Finanzminister am Mittwoch zusammen, um den Weg für das Hilfspaket freizumachen. Für die Auszahlung ist auch ein Beschluss des Deutschen Bundestages erforderlich, der für den 27. Februar angesetzt ist. Allerdings dürfte Karatzaferis die Erfüllung einer Forderung bereits zunichte gemacht haben: "Ich habe den anderen Parteiführern erklärt, dass ich diesem Kreditabkommen nicht zustimmen kann." Zudem forderte er, den Leiter der IWF-Mission in Griechenland, Poul Thomson, zur "persona non grata" zu erklären. Der Euro geriet durch die Äußerungen von Karatzaferis unter Druck und fiel unter die Marke von 1,32 Dollar. Auch der Dax gab nach.
In Athen ging die Polizei mit Tränengas gegen Demonstranten vor, die mit Brandsätzen, Flaschen und Steinen warfen. Die Polizeigewerkschaft drohte in einem Brief an die Troika aus EU, EZB und IWF, deren Finanzkontrolleure per Haftbefehl suchen zu lassen – unter anderem wegen Gefährdung der Demokratie. Die Streikenden legten zum zweiten Mal in dieser Woche Metro und Busse lahm, Schiffe blieben im Hafen. Krankenhausärzte und Bankangestellte legten die Arbeit nieder. Später sollten sich die Lehrer dem Ausstand anschließen. "Nein zu Entlassungen! Nein zu Gehaltskürzungen! Nein zu Rentenkürzungen!", skandierten Demonstranten auf dem Syntagma-Platz in Athen.
"HUNDERT MAL HIN UND HER ÜBERLEGT"
In Berlin betonte Regierungssprecher Steffen Seibert, eine Pleite Griechenlands liege nicht im deutschen Interesse. Die Athener Regierung müsse aber die neuen Sparauflagen erfüllen und auch Forderungen aus dem ersten Hilfspaket nachkommen. Bundeskanzlerin Merkel erörterte am Morgen mit den Fraktionschefs den Stand in der Krise. Im Anschluss berieten sie und Finanzminister Wolfgang Schäuble mit der Unionsfraktion.
Nach Angaben aus Fraktionskreisen warnte Merkel, eine Pleite Griechenlands hätte unabsehbare Folgen. Dann könnte das Haftungsrisiko nicht mehr beherrschbar sein. "Wir haben das hundert mal hin und her überlegt", wurde die Kanzlerin zitiert.
SONDERKONTO WEITER IM GESPRÄCH
Die Euro-Finanzminister wollen Griechenland in Zukunft strikter kontrollieren. EU-Währungskommissar Olli Rehn sagte, dazu könnte das von Merkel und Frankreichs Präsident Nicolas Sarkozy vorgeschlagene Sonderkonto eingerichtet werden. Auf dem Konto sollen die Hilfskredite zur Tilgung der Staatsschulden gesammelt werden, damit die Investoren ihr Geld zurückbekommen. Zur Entschuldung Griechenlands sollen die privaten Anleihegläubiger auf Forderungen im Volumen von 100 Milliarden Euro freiwillig verzichten. Rehn zufolge ist eine Vereinbarung für einen Anleihetausch in trockenen Tüchern. Doch solle alles in einem Gesamtpaket am Mittwoch verabschiedet werden.

Griechische Regierung drängt Parlamentarier zum Sparkurs Sa, 11. Februar 2012
Athen (Reuters) – Die griechische Regierung hat die Parlamentsabgeordneten am Samstag massiv unter Druck gesetzt, das am Vortag von ihr verabschiedete Sparprogramm zu billigen.
Der Chef der konservativen Neuen Demokratie drohte den Abgeordneten seiner Partei, sie bei einer Ablehnung von der Kandidatenliste für die im Frühjahr anstehende Parlamentswahl zu streichen. "Das ist ganz klar eine Frage der Parteidisziplin", sagte Antonis Samaras. Der stellvertretende Finanzminister Filippos Sachinidis warnte: "Die Konsequenzen eines ungeordneten Bankrotts wären unberechenbar für das Land. … Das würde uns auf einen unbekannten und gefährlichen Weg führen."
In einem Zeitungsinterview malte Sachinidis ein düsteres Bild: "Stellen wir uns doch die Frage, was es für das Land bedeutet, wenn es sein Bankensystem verliert, wenn es abgeschnitten wird vom Import von Rohstoffen, Arzneimitteln, Treibstoff, Grundnahrungsmitteln und Technologie."
REGIERUNG FASSTE DRASTISCHE SPARBESCHLÜSSE
Das Kabinett hatte am späten Freitagabend den strikten Sparauflagen der Europäischen Union (EU) und des Internationalen Währungsfonds (IWF) zugestimmt. Ministerpräsident Lukas Papademos drängte seine Regierung massiv zur Zustimmung. "Wir können es nicht zulassen, dass Griechenland bankrott geht", sagte er im Kabinett. "Vorrang hat für uns, alles zu tun, um das neue Wirtschaftsprogramm anzunehmen und mit der neuen Kreditvereinbarung fortzufahren." Abweichlern hatte Papademos mit einem Ausschluss aus der Regierung gedroht. Nach dem Beschluss zogen sechs Mitglieder des Kabinetts selbst die Konsequenzen und traten zurück.
Die umstrittenen Sparbeschlüsse umfassen unter anderem eine Kürzung der Zusatzrenten, die Kappung der Mindestlöhne um 22 Prozent und die Entlassung von rund 150.000 Beschäftigten im öffentlichen Dienst.
DAS PARLAMENT MUSS SONNTAG ENTSCHEIDEN
Am Sonntag muss nun das Parlament dem Sparplan zustimmen, der die Voraussetzung für dringend benötigte weitere Hilfen von 130 Milliarden Euro ist. Theoretisch verfügte die von den Konservativen und der sozialistische Pasok unterstützte Regierung über ausreichend Stimmen. Allerdings drohten einige Pasok-Abgeordnete, das Reformpaket abzulehnen. Die kleine rechtspopulistische Laos-Partei hat der Regierung bereits ihre Unterstützung aufgekündigt. Ihr Chef Giorgos Karatzaferis erklärte, er könne das Sparpaket nicht billigen.
Druck bekommen die Abgeordneten aber auch von ihren Wählern. Die Gewerkschaften laufen gegen das Sparpaket Sturm und haben unter dem Motto "Leistet Widerstand!" zu einem Generalstreik aufgerufen, der auch am Samstag andauerte. An der Akropolis über Athen enthüllten Demonstranten ein riesiges Transparent mit der Forderung: "Nieder mit der Diktatur der Monopole und der Europäischen Union". In Athen waren am Freitagabend die Proteste eskaliert: Die Polizei ging mit Tränengas gegen Demonstranten vor, die Brandsätze, Flaschen und Steine warfen.

Fires in central Athens as rioters clash with police ekathimerini.com , Sun Feb 12, 2012
The unrest came as lawmakers prepared to vote on a new debt deal agreed between Greece and its foreign creditors.
Historic cinemas, cafes and shops went up in flames in central Athens on Sunday as black-masked protesters fought Greek police outside parliament, while inside lawmakers looked set to defy the public rage by endorsing a new EU/IMF austerity deal.

"Enough is enough!» said 89-year-old Manolis Glezos, one of Greece’s most famous leftists. «They have no idea what an uprising by the Greek people means. And the Greek people, regardless of ideology, have risen."
Glezos is a national hero for sneaking up the Acropolis at night in 1941 and tearing down a Nazi flag from under the noses of the German occupiers, raising the morale of Athens residents.
"These measures of annihilation will not pass,» Glezos said on Syntagma Square, visibly overcome by teargas and holding a mask over his mouth.

Griechenland wählt: Einmal Hades (und zurück?) @ profil.at
Wieder wählt Hellas, das Chaos bleibt. Ein Untergangsszenario

Die Griechen nehmen einen neuen Anlauf, um sich für oder gegen den brutalen Sparkurs der Troika zu entscheiden. Gewinnt die linke Partei Syriza – und damit das Nein –, droht die EU offen mit dem Schlimmsten. Gewinnt die konservative Nea Dimokratia, könnte alles noch ein bisschen schlimmer werden.
Alle Schuld auf ihren Schultern
Eigentlich würden die Griechen am kommenden Sonntag gern in Ruhe ein neues Parlament wählen, wie das in ihrer Verfassung vorgesehen ist. Doch daraus wird nichts. Die ganze Welt hat beschlossen, mit der Stimmabgabe Schicksalsfragen von globaler Bedeutung zu verknüpfen. Die da wären: Soll Griechenland den Euro als Währung verlieren und für die nächsten Jahre in Armut versinken? Sollen Spanien, Italien und Portugal gleich hinterhertaumeln? Soll die gesamte Eurozone in eine Rezession schlittern? Soll die Weltwirtschaft insgesamt davon angesteckt werden? Sollen die Chancen einer Wiederwahl von US-Präsident Barack Obama damit zunichtegemacht werden?
Von Anna Giulia Fink, Georg Hoffmann-Ostenhof, Gunther Müller (Athen) und Robert Treichler
All das und mutmaßlich noch viel mehr soll das 11-Millionen-Völkchen der Griechen am kommenden Sonntag zu verantworten haben. In der Literatur bezeichnet man eine solche offensichtliche Übertreibung mit dem griechischen Begriff „Hyperbel“. Dummerweise weiß niemand so recht, wie weit es sich bei der grotesken Aufladung einer simplen Wahl um ein politisches Stilmittel handelt und wie weit um reale Befürchtungen. Das ist wohl der beste Beweis dafür, dass nicht die Griechen allein an dem Desaster in Fortsetzungen Schuld tragen, sondern dass ganz offensichtlich ein Systemfehler vorliegt, der so aussieht: Wem es am dreckigsten geht, dem wird die Verantwortung für alle anderen übertragen.
Das griechische Wahlvolk muss zu den Urnen, weil die Parlamentswahlen am 6. Mai dieses Jahres keine tragfähige Mehrheit erbrachten. De facto wird das Land seit Anfang 2010 nicht mehr von Athen aus regiert, es steht unter Kuratel der Troika, zusammengesetzt aus Europäischer Union, Europäischer Zentralbank und Internationalem Währungsfonds. Das relevante Kriterium bei dieser Wahl ist die Haltung der Parteien zu dem Sparprogramm, das die Troika mit der Regierung unter dem Sozialisten Giorgos Papan-dreou und danach mit der des Technokraten Lucas Papademos ausgehandelt hat. Soll das „Memorandum“, wie das mit harten Auflagen verknüpfte Rettungspaket in Griechenland genannt wird, befolgt oder aufgekündigt werden?
Aus Sicht eines großen Teils der Bevölkerung sind die Sparmaßnahmen drakonisch und wenig zielführend. Die EU hingegen will an den Vereinbarungen festhalten und droht Griechenland im Falle von Widerstand mehr oder weniger offen mit dem Exit aus der Eurozone – verknüpft mit dem Vorwurf, damit mutwillig alle Übel der weltweiten Finanz-, Banken- und Konjunkturkrise eskaliert haben zu lassen.
Kanadas Premier Stephen Harper war der Einzige, der vergangene Woche die Absurdität dieser Schuldzuweisung kritisierte: „Wir können nicht eine griechische Wahl zu einer Entscheidung über die Zukunft der Weltwirtschaft erklären, das ist niemandem gegenüber fair.“
Unrecht tut man damit zum Beispiel einem Mann, der auf einer Parkbank am Athener Omonia-Platz sitzt. Er heißt Christos Simos, ist 35 und kann sehr lange von geplatzten Träumen erzählen. Als Teenager wollte er Volleyballprofi werden, doch um seine Eltern zu beruhigen, studierte er Politikwissenschaft, schloss mit dem Doktorat ab und hatte 2008 bereits mehrere Job-angebote in der Tasche, während er noch den Militärdienst leistete: politischer Analyst in einem Think Tank, Coach bei einer Volleyballmannschaft.
Dann kam die Krise und raffte die guten Aussichten dahin. Christos nimmt einen Schluck aus seiner Dose Lipton-Eistee. Ihn plagen keine existenziellen Nöte, aber er wohnt immer noch bei seinen Eltern. „Ich verhungere nicht, aber die Tatsache, dass ich in meinem Alter nicht auf eigenen Beinen stehen kann, ist extrem entwürdigend“, sagt er wütend. Er hat keine Perspektive, und das ist schwer zu ertragen, auch wenn viele seiner Landsleute noch viel schlimmer dran sind. Am Sonntag wird Christos seine Stimme abgeben, und er will sie sich nicht nehmen lassen. „Ich weiß nicht, warum ich bei meiner Wahlentscheidung auf Länder wie Spanien oder Italien Rücksicht nehmen soll, wie uns jetzt suggeriert wird. Es muss doch in Ordnung sein, zunächst einmal an uns zu denken“, sagt er.
Das Orakel von Brüssel
Wie stark die europäische Kultur von der griechischen Antike beeinflusst ist, kann man daran ermessen, dass sich die Brüsseler Elite heute noch gern einer orakelhaften Sprache bedient, wenn sie besonders deutlich werden möchte. Kommissionspräsident José Manuel Barroso eröffnete seinen griechischen Wahlkampf mit folgenden Worten: „Es liegt jetzt an dem Volk der Griechen, sich in voller Sachkenntnis zwischen den Alternativen zu entscheiden und dabei zu bedenken, dass dies tatsächlich eine historische Wahl für die Zukunft ihres Landes ist.“ Wollen die Griechen in der Eurozone bleiben, so müsse „letztlich die Entschlossenheit aus Griechenland selbst kommen“, so Barroso. In der Interpretation für Sterbliche bedeutet das: Wählt Parteien, die für die Einhaltung der Bedingungen des Rettungsschirms garantieren, oder ihr könnt über den Styx ins Totenreich rudern.

Ähnlich subtil äußern sich EU-Ratspräsident Herman Van Rompuy und Euro-Gruppenchef Jean-Claude Juncker: „Wir wollen, dass Griechenland in der Eurozone bleibt“, sagt Rompuy. Die griechische Regierung müsse aber die Verpflichtungen erfüllen, die es im Gegenzug für die finanzielle Unterstützung durch Europa eingegangen sei. Auch Juncker will Griechenland weiterhin als Währungsmitglied behalten, bestätigte aber gleichzeitig, dass Experten der 17 Eurostaaten das mögliche Ausscheiden durchspielen.

Griechen, die ökonomisch noch irgendetwas zu verlieren haben, dürften Wirkung zeigen und eine der vertragstreuen Parteien – Nea Dimokratia oder Pasok – wählen. So viel zum Prinzip der Nichteinmischung der EU in nationale Wahlen.

„Give Greece a chance“
„Erpressung“ nennt das der Mann, der in all den verklausulierten Warnungen und Drohungen gemeint ist: Alexis Tsipras, dessen linkes Parteienbündnis Syriza in wenigen Jahren von 4,6 Prozent (2009) auf 16,8 Prozent (Mai 2012) gewachsen ist und in jüngsten Umfragen bei 23,6 Prozent und damit Kopf an Kopf mit der konservativen Nea Dimokratia lag. Der 37 Jahre alte einstige Kommunist ist in den Augen seiner Gegner in der EU ein gefährlicher Populist, der das Volk sirenengleich dazu verführen will, vom rechten Sparkurs abzukommen.

Sonntag vergangener Woche diskutiert der verteufelte Shootingstar entspannt mit dem marxistischen Philosophen Slavoj Zizek im Innenhof des Benaki, des Museums moderner Kunst in Athen. Tsipras trägt ein dunkelblaues Seidenhemd, Jeans, elegante Lederschuhe, das Gesicht ist glatt rasiert, der Kurzhaarschnitt sitzt perfekt. Das Gespräch kreist um die Krise in Hellas und den Erfolg der Linken in diesem Land. Da ist von einer „historischen Wende“ die Rede, vom Sieg der „Hoffnung über die Angst“, von einem Kampf gegen „das neoliberale Brüssel, den Imperialismus und Kapitalismus“, von einer Revolution, die hier begonnen habe und schon bald „ganz Europa erfassen wird“.

Zizek – er trägt ein schwarzes T-Shirt mit der Aufschrift „Occupy Europe“ – ist voll des Lobes für den 37-jährigen Tsipras. Er sieht in ihm einen Politiker, der das Zeug hat, „dieses Land wieder aufzurichten“ und obendrein einen „Kurswechsel in ganz Europa“ einzuleiten. Am Ende paraphrasiert der slowenische Linksradikale einen John-Lennon-Klassiker: „Give Greece a chance.“

Als sich der Innenhof des Benaki-Museums allmählich leert, beschließt eine kleine Gruppe von Syriza-Anhängern, in ein nahe gelegenes Lokal weiterzuziehen. Darunter ist ein alter Freund von Tsipras. Er gibt sich als Jannis aus, seinen wahren Namen will er lieber nicht nennen. Jannis kannte Tsipras schon in den 1990er-Jahren, als sie gemeinsam Schulen besetzten, um gegen die Privatisierung des Bildungssystems zu protestieren. Die beiden politisierten Teenager gingen zusammen auf Partys, sprachen über das Leben, Frauen und die Zukunft Griechenlands. Nur in einer Hinsicht habe sich Tsipras verändert, meint sein Freund Jannis: „Er ist kompromissloser als früher. Von seinem Programm würde er nicht abrücken wollen. Deshalb bin ich mir gar nicht so sicher, ob er am 17. Juni die Wahlen wirklich gewinnen möchte.“

Der linke Gottseibeiuns lässt sich mangelnden Siegeswillen zumindest nicht anmerken. Er tourte Ende Mai durch Europa, um für sein Programm zu werben: Sein Land solle in der Eurozone bleiben, aber, anstatt sklavisch zu sparen, „um Solidarität der Völker in Deutschland und Frankreich“ bitten. In Berlin willigte der SPD-Vorsitzende Sigmar Gabriel zwar ein, Tsipras zu empfangen, anstelle der erhofften Solidarität spendierte er jedoch nur den kostengünstigen Rat, dass „getroffene Vereinbarungen einzuhalten“ seien.
In Paris wiederum zeigte die Sozialistische Partei Tsipras die kalte Schulter, lediglich die Linksradikalen nahmen sich für den aufmüpfigen Griechen Zeit.
Im Innenhof des Benaki-Museums wertet man das internationale Mauerblümchen-Dasein als Trumpf für den Syriza-Spitzenkandidaten: „Die Tatsache, dass Merkel und die anderen neoliberalen Idioten Tsipras verachten, macht ihn nur noch stärker“, schwärmt die 63-jährige Annetta Karayanni.

Die gesteinigte Auxesia
Austerität war gestern. Frankreichs neuer Staatspräsident François Hollande versprach im Wahlkampf ein Ende des obsessiven Sparens und ein Ankurbeln des Wachstums mittels staatlicher Initiativen, zu Hause und in der EU. Nicht einmal einen Monat nach Amtsantritt hat der Sozialist bereits Wohltaten im Ausmaß mehrerer Milliarden Euro konkretisiert, darunter die Fortsetzung der französischen Version der „Hacklerregelung“ sowie eine Anhebung des Mindestlohns – und das, obwohl die Budgetaussichten nicht den Zielen des Fiskalpakts entsprechen.

In den Ohren der Griechen klingt das wie die Verheißungen eines lange ersehnten Retters – gleichsam die Ankunft der Auxesia, der Göttin des Wachstums. Endlich ein Politiker, der einsieht, dass blindwütiges Sparen kaputt macht. Allerdings gibt es auch in der Abkehr von der strikten Austeritätspolitik eine Ausnahme: Griechenland. Der französische Finanzminister Pierre Moscovici machte klar, dass sich die Frage eines Austritts Griechenlands aus der Eurozone „ohne Zweifel“ stelle, falls eine neue Regierung die Vereinbarungen infrage stellte. Auch Auxesia wurde in der antiken Sage aufgrund einer Verkettung unglücklicher Umstände zu Tode gesteinigt.

In Griechenland bricht alles zusammen, aber niemand stößt sich daran. Die Arbeitslosigkeit stieg im März auf 21,9 Prozent, die Wirtschaft schrumpft das fünfte Jahr in Folge. Die Tourismusbranche, an der ein Fünftel aller Jobs im Land hängt, erwartet einen Einbruch der Einnahmen um bis zu 15 Prozent im Vergleich zum Vorjahr. Worüber vor einem Jahr noch Witze gemacht wurden, tritt jetzt ein: 75 Inseln stehen in Griechenland zum Verkauf.

Das öffentliche Gesundheitswesen ist zusammengebrochen. Die größte gesetzliche Krankenkasse Griechenlands ist hoffnungslos verschuldet, Medikamente und Behandlungen gibt es nur noch gegen Bargeld.

Was machen Arbeitslose, wenn sie unter Diabetes, Asthma oder anderen chronischen Krankheiten leiden, aber nicht versichert sind? Sie fahren zu Jorgos Vichas, etwa 20 Minuten Autofahrt in südlicher Richtung der Hauptstadt. In Elliniko, wo sich bis zum Jahr 2001 der Athener Flughafen befand, steht ein graues unscheinbares Gebäude mit der Aufschrift „Sozialmedizinisches Zentrum Elliniko“. Drinnen sind zwei Damen am Empfang, in der Vorratskammer für Medikamente steht der hauptberufliche Kardiologe Vichas. „Wir brauchen wieder Insulin“, ruft er nach draußen.
Im Jänner dieses Jahres hat Vichas diese medizinische Zentrale gegründet, um Bürgern zu helfen, die aus dem Gesundheitssystem gefallen sind. „Die Zahl der Arbeitslosen und derer, die sich keine Privatversicherung mehr leisten können, ist rapide angestiegen, ich konnte einfach nicht mehr zusehen“, sagt Vichas. Gemeinsam mit etwa 30 anderen Ärzten bietet er medizinische Unterstützung für Obdachlose an, das Gebäude habe die Stadt zur Verfügung gestellt. Woher er die Medikamente hat? „Apotheker, große Unternehmen, reiche Griechen kaufen sie und spenden sie.“ Besonders die Präparate für Diabetiker und Krebspatienten seien enorm teuer und für viele kaum leistbar.
Es kämen längst nicht mehr nur Immigranten und Obdachlose in das sozialmedizinische Zentrum, sondern auch Leute aus Mittelstandsfamilien, die ihre Jobs und ihre Wohnungen verloren haben. „Immer öfter haben wir es mit völlig unterernährten Kindern zu tun, es herrschen zum Teil afrikanische Zustände hier.“
Am Donnerstag, den 24. Mai, sprangen in Athen Antonis Perris, ein 60 Jahre alter, beschäftigungsloser Musiker, und seine 90 Jahre alte Mutter, die an Alzheimer litt, vom Dach ihres Wohnblocks in den Tod. Am Tag zuvor hatte Perris in einem Blog geschrieben, dass seine Mutter beginne, unter Anfällen von Schizophrenie zu leiden und dass kein Pflegeheim sie aufnehmen wolle. Die beiden lebten von 340 Euro im Monat, der Pension der alten Frau.
Atlas und der Undank
Plötzlich überschattet eine andere, vielleicht noch schwerer wiegende Pleite das griechische Fiasko: Spanien. Vergangenen Donnerstag senkte die Ratingagentur Fitch die Kreditwürdigkeit des südeuropäischen Landes von A auf BBB. Ursache ist der marode Bankensektor, der neben der hohen Arbeitslosigkeit Spaniens Bonität bedroht. Ende der vergangenen Woche hieß es, die Regierung von Premier Mariano Rajoy könnte bereits am Wochenende einen Hilfeantrag an den europäischen Rettungsschirm stellen.
Doch neben vielen anderen Unterschieden zur griechischen Situation ist vor allem einer bedeutend: Spanien gilt als „too big to fail“. Deshalb wurden bereits Überlegungen laut, Spanien ohne Reformauflagen Hilfsmittel zukommen zu lassen. Hingegen sei ein „Grexit“ für die Eurozone „schmerzlich, aber letztlich verkraftbar“, so Deutschlands Finanzminister Wolfgang Schäuble.
Spanien wird man eher entgegenkommen, Griechenland dagegen nicht. Das ist der Dank dafür, dass der griechische Titan Atlas am westlichsten Punkt der damaligen Welt – vis-à-vis von Spaniens Küste – das Himmelsgewölbe stemmte.
Die Götter sind uneins
Eine große schnelle Lösung müsste her, ein Sprung vorwärts in der europäischen Integration. Die beiden Hauptakteure, Berlin und Paris, wissen, dass angesichts der Dramatik diesmal geklotzt und nicht gekleckert werden muss. Doch an diesem Punkt endet die gemeinsame Vorstellung darüber, wie der große Wurf aussehen soll.
Frankreichs neuer Präsident setzt auf Wachstum und gemeinsame Staatsanleihen, die es den notleidenden EU-Ländern erlauben könnten, der Schuldenfalle zu entkommen. Die französische Forcierung einer gemeinsamen EU-Finanzpolitik leidet freilich unter dem Widerspruch, dass Paris nicht bereit ist, Souveränität an Europa abzugeben. Die Forderung nach einer verstärkten politischen Integration Europas hält Hubert Védrine, ehemaliger Außenminister Frankreichs und Parteifreund des neuen sozialistischen Staatspräsidenten François Hollande, im Gespräch mit profil für einen Ausfluss „bundesstaatlicher Utopie, die von den Völkern abgelehnt wird“. An der Seine will man intergouvernementales Handeln und nicht gemeinsame europäische Institutionen.
Mit der französischen Forderung, man möge von der Sparpolitik zu einem Wachstumskurs übergehen, könnte sich die deutsche Bundeskanzlerin Angela Merkel vielleicht noch anfreunden. Aber für sie ist klar: Eurobonds zur Finanzierung der Staatsschulden dürfen ohne stärkere politische Einigung und Demokratisierung Europas nicht kommen. Warum sollten die Deutschen für Schulden anderer Staaten haften, wenn sie nicht über deren Haushalte und deren Wirtschaftspolitik im Rahmen europäischer Gremien mitbestimmen können?
Und US-Präsident Barack Obama, der im Fall eines Absturzes der Weltwirtschaft um seine Wiederwahl bangen muss, drängt die Europäer dazu, endlich gemeinsam und gezielt den Krisengefahren zu begegnen. Aber auch in seinem Fall bleibt die Liebe zur großen Lösung eine platonische: „Wer glaubt, dass Obama einen Marshallplan für Europa auf den Weg bringt, täuscht sich. Diese Zeiten sind vorbei“, sagt der Risikoexperte Ian Bremmer im profil-Interview (siehe Seite 75).
Für Griechenland wird ohnehin jeder große Wurf – falls es überhaupt einen geben wird – zu spät kommen.
Am Ende die Peripetie
Bleibt als einziger von Europa genehmigter Ausweg die Wahl der Nea Dimokratia an die Regierung. Aber wo ist die Partei eigentlich? Zehn Tage vor den Parlamentswahlen sucht man in Athen vergeblich nach Veranstaltungen mit ihrem Spitzenkandidaten Antonis Samaras. Der Eventkalender auf der Website www.nd.gr ist leer. „Wir planen noch unsere nächsten Schritte und geben Bescheid“, antwortet Chrisostomos Pikazik, ein Pressesprecher von Parteichef Samaras, am Montag, am Dienstag und auch am Mittwoch vergangener Woche auf Anfrage von profil. Gibt es vielleicht kleinere Wahlkampfveranstaltungen ohne den Parteichef Samaras? „Im Moment nichts, nein.“
Nikos Lisidakis, mit seinen 27 Jahren eine der Zukunftshoffnungen der Nea Dimokratia, sitzt in einem Kaffeehaus vor der Zentrale der Parteijugend und blickt unentwegt auf sein Handy. Gerade eben erst hat er mit Parteichef Antonis Samaras telefoniert und ein paar Wahlstrategien besprochen. Er weiß, warum Diskretion anstatt Rummel angesagt ist. Es ist nicht leicht für einen Politiker einer der beiden Traditionsparteien Nea Dimokratia und Pasok, in der Öffentlichkeit aufzutreten. Viele Leute da draußen hassen uns abgrundtief.“
So könnte der Bestfall in Griechenlands unmittelbarer Zukunft aussehen: eine verhasste Regierung, gestützt von der verabscheuten Troika und den verachteten Deutschen – der dreiköpfige Kerberos, der Höllenhund der Antike.
Am 17. Juni, dem Wahltag, führen alle Wege in den Hades – und nur einer wieder heraus: Wenige Tage später könnte Griechenland bei der Fußball-Europameisterschaft im Viertelfinale spielen. Möglicher Gegner: Deutschland.

"Merkel ist die größte Bedrohung für die Welt" Von Günther Lachmann und Katharina Schäder | WELT ONLINE – Do., 21. Jun 2012
Das britische Magazin "NewStatesman" zeigt die Kanzlerin als Terminator und beschreibt sie als gefährlichsten Staatslenker Europas. Tenor: Die Kanzlerin schaut tatenlos zu, wie Athen brennt.
In den vergangenen Jahren ist Bundeskanzlerin Angela Merkel von ausländischen Medien immer wieder verunglimpft worden. Zuletzt zeigten sie griechische Medien in Nazi-Uniform.
Auch in Polen gab es vor Jahren unschöne Bildmontagen. Nun bildet das Labour-nahe britische Magazin "NewStatesman" sie auf dem Titel des aktuellen Heftes als Terminator ab. "Angela Merkels Austeritäts-Manie zerstört Europa" schreibt das Blatt.
Der Chef der Politikredaktion, Mehdi Hasan, hat offenbar kein Problem mit eher unpassenden Vergleichen. In der aktuellen Titelgeschichte etwa vergleicht er die Diktatoren Mahmud Ahmadinedschad und Kim Kong-un nicht nur mit Angela Merkel, sondern allen Ernstes auch mit Israels demokratisch gewähltem Staatschef Benjamin Netanjahu.
So fragt Hasan gleich zu Beginn: "Welcher politische Führer weltweit ist derzeit die größte Bedrohung für die globale Ordnung und den Wohlstand?" Der iranische Präsident Mahmud Ahmadinedschad? Falsch. Israels Ministerpräsident Benjamin Netanjahu? Nee. Nordkoreas Kim Jong-un? Wieder falsch", so Hasan, um dann selbst zu antworten: "Die Antwort ist eine sanftmütige Opernliebhaberin und frühere Chemikerin, die seit sieben Jahren im Amt ist."
Es sei die deutsche Bundeskanzlerin Angela Merkel, deren Lösung der europäischen Finanzkrise, "oder das Fehlen derselben hat den Kontinent und möglicherweise die ganze Welt an den Rand einer zweiten großen Depression gebracht".
Man könne wohl sagen, dass Merkel inzwischen die gefährlichste deutsche Regierungschefin seit Adolf Hitler ist, setzt der Autor seiner Anschuldigung die Krone auf. Dabei ist sich Hasan des Klischees, dass er mit dem abstrusen Vergleich bemüht, durchaus bewusst.
Hasan selbst erinnert sich bei seinem eigenen bizarren Vergleich an den US-Juristen und Buchautoren Mike Godwin. Dieser beschreibt eine Gesetzmäßigkeit, der zufolge in Internet-Debatten die Wahrscheinlichkeit von Nazi-Vergleichen mit der Dauer der Diskussion gegen eins steigt.
Die sarkastische Dimension von "Godwin’s Law" ist implizit und natürlich auch Hasan nicht entgangen. Dennoch führt er munter aus: Wie unter Hitler sei Deutschland wieder international isoliert, verabscheut und gefürchtet zugleich.
Die Briten zitieren in diesem Zusammenhang auch den Herausgeber des deutschen Meinungsmediums "Freitag", Jakob Augstein, mit den Worten, Merkels Politik gefährde alles, was die bisherigen Regierungen seit dem Zweiten Weltkrieg erreicht hätten.
Merkel schaue tatenlos zu wie Athen brenne, aber auch Madrid und Rom. Es sei geradezu eine Ironie der Geschichte, dass die Regierungschefin eines Landes, das nur ungern an seine Nazi-Vergangenheit erinnert werde, nun gelassen zusehe, wie die drakonische Sparpolitik neuen (sic!) "Neo-Nazi-Parteien" wie der Front National in Frankreich oder der "Goldenen Morgenröte" in Griechenland Zulauf verschaffe.

Merkels "Austerität-über-alles-Politik" zerstöre das europäische Projekt, verarme die Nachbarn der Deutschen und riskiere eine neue globale Depression. "Sie muss gestoppt werden", schließt der Artikel.
Der "NewStatesman", eine traditonsreiche und mehrfach ausgezeichnete linke Wochenzeitung, gilt als respektable Publikation mit nahmhaften Kolumnisten.

With the Euro in Flames, Our Civil Servants are Still Taking Their Orders from Brussels Adam Collyer, 17th May 2012

Euro-Retter rudern zurück: Tür für Griechenland wieder offen Deutsche Wirtschafts Nachrichten, 28.06.2015, 00:46 Uhr

Die Finanzminister der Eurozone haben offenbar Angst vor der eigenen Courage bekommen. Hatten sie am Nachmittag noch erklärt, dass die Tür für Griechenland geschlossen sei, so erklärten sie am Abend feierlich: Die Tür für Griechenland ist weit offen.
Die 18 Euro-Finanzminister wollen Griechenland nach Angaben des französischen Finanzministers Michel Sapin im Euro halten. „Die 18 Länder haben alle klar gesagt, dass Griechenland im Euro ist und bleiben soll, egal wie groß die Schwierigkeiten jetzt sind„, sagte der französische Sozialist am Samstagabend nach der Sondersitzung der 18 Euro-Partner ohne ihren griechischen Kollegen.

Greek debt crisis: Is Grexit inevitable? BBC News, 29th June 2015

Greek banks have been closed and strict limits placed on cash withdrawals as Greece’s government is set to default on a debt repayment to the IMF on 30 June of €1.5bn (.7bn; £1.06bn).

Euro-Krise: IWF-Analyse zeigt Desaster von historischem Ausmaß 02.07.2015
Insgesamt sind bisher 240 Milliarden Euro an Krediten aus den verschiedenen Rettungsfonds nach Griechenland geflossen, um das Finanzsystem in der Eurozone zu stabilisieren. Nicht eingerechnet sind die Notkredite der EZB, die sich vermutlich auch noch einmal auf 120 Milliarden Euro belaufen werden. Doch das alles hat nicht gereicht, um die griechische Wirtschaft auf einen Weg des Wachstums zurückzuführen.

Schäuble schlägt Dollar ($) statt Euro (€) für Griechenland vor 10.07.2015
"Ich habe meinem Freund Jack Lew angeboten, dass wir Puerto Rico in die Eurozone aufnehmen könnten, falls die Vereinigten Staaten willens wären, Griechenland in die Dollar-Union aufzunehmen", sagte Schäuble am Donnerstag bei einer Veranstaltung der Bundesbank.
…. Das USA-AußenTerritorium Puerto Rico trägt eine Schuldenlast von 73 Milliarden Dollar – das ist etwa ein Fünftel von Griechenlands 360 Milliarden Euro.

13. Januar 2016: Ude trifft Varoufakis: "Under Construction: Europe" {?}
…politische Bewegung, die Varoufakis am 9. Februar in Berlin vorstellen will. Paneuropäisch …

The Empire of Debt by Dee Hon
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From Adbusters #74, Nov-Dec 2007

The Empire of Debt

Money for nothing. Own a home for no money down. Do not pay for your appliances until 2012. This is the new American Dream, and for the last few years, millions have been giddily living it. Dead is the old version, the one historian James Truslow Adams introduced to the world as “that dream of a land in which life should be better and richer and fuller for everyone, with opportunity for each according to ability or achievement.”

Such Puritan ideals – to work hard, to save for a better life – didn’t die from the natural causes of age and obsolescence. We killed them, willfully and purposefully, to create a new gilded age. As a society, we told ourselves we could all get rich, put our feet up on the decks of our new vacation homes, and let our money work for us. Earning is for the unenlightened. Equity is the new golden calf. Sadly, this is a hollow dream. Yes, luxury homes have been hitting new gargantuan heights. Ferrari sales have never been better. But much of the ever-expanding wealth is an illusory façade masking a teetering tower of debt – the greatest the world has seen. It will collapse, in a disaster of our own making.

Distress is already rumbling through Wall Street. Subprime mortgages leapt into the public consciousness this summer, becoming the catchphrase for the season. Hedge fund masterminds who command salaries in the tens of millions for their supposed financial prescience, but have little oversight or governance, bet their investors’ multi-multi-billions on the ability that subprime borrowers – who by very definition have lower incomes and/or rotten credit histories – would miraculously find means to pay back loans far exceeding what they earn. They didn’t, and surging loan defaults are sending shockwaves through the markets. Yet despite the turmoil this collapse is wreaking, it’s just the first ripple to hit the shore. America’s debt crisis runs deep.

How did it come to this? How did America, collectively and as individuals, become a nation addicted to debt, pushed to and over the edge of bankruptcy? The savings rate hangs below zero. Personal bankruptcies are reaching record heights. America’s total debt averages more than 0,000 for every man, woman, and child. On a broader scale, China holds nearly trillion in US debt. Japan and other countries are also owed big.

The story begins with labor. The decades following World War II were boom years. Economic growth was strong and powerful industrial unions made the middle-class dream attainable for working-class citizens. Workers bought homes and cars in such volume they gave rise to the modern suburb. But prosperity for wage earners reached its zenith in the early 1970s. By then, corporate America had begun shredding the implicit social contract it had with its workers for fear of increased foreign competition. Companies cut costs by finding cheap labor overseas, creating a drag on wages.

In 1972, wages reached their peak. According to the US department of Labor Statistics, workers earned 1 a week, in inflation-adjusted 1982 dollars. Since then, it’s been a downward slide. Today, real wages are nearly one-fifth lower – this, despite real GDP per capita doubling over the same period.

Even as wages fell, consumerism was encouraged to continue soaring to unprecedented heights. Buying stuff became a patriotic duty that distinguished citizens from their communist Cold War enemies. In the eighties, consumers’ growing fearlessness towards debt and their hunger for goods were met with Ronald Reagan’s deregulation the lending industry. Credit not only became more easily attainable, it became heavily marketed. Credit card debt, at 0 billion, is now triple what it was in 1988, after adjusting for inflation. Barbecues and TV screens are now the size of small cars. So much the better to fill the average new home, which in 2005 was more than 50 percent larger than the average home in 1973.

This is all great news for the corporate sector, which both earns money from loans to consumers, and profits from their spending. Better still, lower wages means lower costs and higher profits. These factors helped the stock market begin a record boom in the early ‘80s that has continued almost unabated until today.

These conditions created vast riches for one class of individuals in particular: those who control what is known as economic rent, which can be the income “earned” from the ownership of an asset. Some forms of economic rent include dividends from stocks, or capital gains from the sale of stocks or property. The alchemy of this rent is that it requires no effort to produce money.

Governments, for their part, encourage the investors, or rentier class. Economic rent, in the form of capital gains, is taxed at a lower rate than earned income in almost every industrialized country. In the US in particular, capital gains are being taxed at ever-decreasing rates. A person whose job pays 0,000 can owe 35 percent of that in taxes compared to the 15 percent tax rate for someone whose stock portfolio brings home the same amount.

Given a choice between working for diminishing returns and joining the leisurely riches of the rentier, people pursue the latter. If the rentier class is fabulously rich, why can’t everyone become a member? People of all professions sought to have their money work for them, pouring money into investments. This spurred the explosion of the finance industry, people who manage money for others. The now- trillion mutual fund industry is 700 times the size it was in the 1970s. Hedge funds, the money managers for the super-rich, numbered 500 companies in 1990, managing billion in assets. Now there are more than 6,000 hedge firms handling more than trillion dollars in assets.

In recent years, the further enticement of low interest rates has spawned a boom for two kinds of rentiers at the crux of the current debt crisis: home buyers and private equity firms. But it should also be noted that low interest rates are themselves the product of outsourced labor.

America gets goods from China. China gets dollars from the US. In order to keep the value of their currency low so that exports stay cheap, China doesn’t spend those dollars in China, but buys us assets like bonds. China now holds some 0 billion in such US IOUs. This massive borrowing of money from China (and to a lesser extent, from Japan) sent us interest rates to record lows.

Now the hamster wheel really gets spinning. Cheap borrowing costs encouraged millions of Americans to borrow more, buying homes and sending housing prices to record highs. Soaring house prices encouraged banks to loan freely, which sent even more buyers into the market – many who believed the hype that the real estate investment offered a never-ending escalator to riches and borrowed heavily to finance their dreams of getting ahead. People began borrowing against the skyrocketing value of their homes, to buy furniture, appliances, and TVs. These home equity loans added 0 billion to the US economy in 2004 alone.

It was all so utopian. The boom would feed on itself. Nobody would ever have to work again or produce anything of value. All that needed to be done was to keep buying and selling each other’s houses with money borrowed from the Chinese.

On Wall Street, private equity firms played a similar game: buying companies with borrowed billions, sacking employees to cut costs, and then selling the companies to someone else who did the same. These leveraged buyouts inflated share values, minting billionaires all around. The virtues that produce profit – innovation, entrepreneurialism and good management – stopped mattering so long as there were bountiful capital gains.

But the party is coming to a halt. An endless housing boom requires an endless supply of ever-greater suckers to pay more for the same homes. The rich, as Voltaire said, require an abundant supply of poor. Mortgage lenders have mined even deeper into the ranks of the poor to find takers for their loans. Among the practices included teaser loans that promised low interest rates that jumped up after the first few years. Sub-prime borrowers were told the future pain would never come, as they could keep re-financing against the ever-growing value of their homes. Lenders repackaged the shaky loans as bonds to sell to cash-hungry investors like hedge funds.

Of course, the supply of suckers inevitably ran out. Housing prices leveled off, beginning what promises to be a long, downward slide. Just as the housing boom fed upon itself, so too, will its collapse. The first wave of sub-prime borrowers have defaulted. A flood of foreclosures sent housing prices falling further. Lenders somehow got blindsided by news that poor people with bad credit couldn’t pay them back. Frightened, they staunched the flow of easy credit, further depleting the supply of homebuyers and squeezing debt-fueled private equity. Hedge funds that merrily bought sub-prime loans collapsed.

More borrowers will soon be unable to make payments on their homes and credit cards as the supply of rent dries up. Consumer spending, and thus corporate profits, will fall. The shrinking economy will further depress workers’ wages. For most people, the dream of easy money will never come true, because only the truly rich can live it. Everyone else will have to keep working for less, shackled to a mountain of debt.

_Dee Hon is a Vancouver-based writer has contributed to The Tyee and Vancouver magazine.

Adbusters Magazine
adbusters.org/the_magazine/74/The_Empire_of_Debt.html

Debt Management
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How Do Debt Bureaus Run? By Credit rating Feeling

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< iframe size="425" height="355" src="https://www.youtube.com/embed/vnw3gT6qXs8?rel=0" frameborder="0" allowfullscreen > Exactly how Do Credit history Bureaus Run? – http://www.creditsense.com

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The Means to Stay clear of Online Free Debt Report Scams

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by DFID – UK Department for International Growth

The Fair Credit history Reporting Act (FCRA) is a fairly new law that was gone by the federal government that allows everyone to obtain a cost-free credit rating record annually. This law transpired because of the worrying boost in identification theft. Your cost-free debt records are typically offered by ordering them online, through a toll cost-free number, or by mail as well as you could request your credit rating records from all 3 of the credit scores reporting business – Equifax, Experian, and also TransUnion.The Only Authorities Web site for Requesting Your credit Record You ought to not need to

fret about complimentary credit score report tricks as the 3 credit scores coverage firms have set-up an official web website, annualcreditreport.com, where you could buy your totally free debt report once yearly. They likewise have a toll complimentary number, 1-877-322-8228, and a mail address, 1-877-322-8228. You could print out the form from the FTC’s website at ftc.gov/ credit.Free Credit report Report Cons With this new regulation as well as the straightforwardness at which you could safely request your credit report reports, there need to be no totally free debt report methods. Sadly, most individuals don’t understand concerning their civil liberties therefore they view on the web totally free credit score records. The identity thieves and also scammer have made use of un-informed folks by constructing their very own credit report internet sites to fool you.These cost-free credit score record con net websites typically charge you a
little cost to obtain your credit scores reports when in reality they are totally free. There are other fake credit record sites which will provide you totally free credit reports however they might ask you for individual information like your Social Safety and security ID or your bank card information.A variety of these fraud websites will certainly utilize this information to burglarize your identity and leave you with debts as well as various other lawful concerns. Others, while not always prohibited, will certainly fool you into a cost-free trial and after that charge your bank card for a regular monthly charge after the free trial has finished. Please do not succumb to these disadvantage sites; utilize the official get in touch with info above.What to Maintain an Eye Open For so You Do Not Get Conned A few of the trick websites will attempt to fool you by utilizing a matching name to the main cost-free
credit scores record site; to puts it simply they might sign up an internet site domain name extremely near to the official annualcreditreport.com website. They do this in the hope that someone will make a spelling error while keying in the domain. Various other scam websites will utilize the name “cost-free credit rating monitoring”,”totally free credit report scores”, or”cost-free debt records “in their web address-they’re perhaps scams.Other methods involve the application of e-mail or phone. The fraudsters will say that they’re from either the annualcreditreport.com site or from one of the three credit report coverage agencies. They might ask you for private information
or they will certainly route you thru a web link in the email to an illegal credit rating record website. Don’t break down any type of exclusive info over the phone unless you were the one who set up the call, and do not click any kind of web links in email from these sort of complimentary debt record deals. Additionally, be aware of turn up, when searching the internet, that provide you complimentary credit history reports.Request Your Free Credit scores Reports Do not neglect to constantly request your credit score reports by employing the main call information above. The Net is a fantastic resource of info but it is also house to a bunch of helpful for absolutely nothing scam artist expecting to make a quick dollar. One factor to request your

debt records yearly is to maintain an eye out for any odd activity that might indicate you’re a victim of ID burglary. Another factor is to examine your records for any kind of details that is imprecise that may have an affect on your credit history-you could and also need to attempt to elevate your credit history. Currently that you recognize how you can buy your debt records securely, your following step could be to Fixing Your Credit by doing it yourself or check out William’s review of a fast and very easy technique to< a rel="nofollow "href="http://tinyurl.com/yhz6d6r"> Increase Your Credit history by

135 points or even more without employing credit repair work solutions or firms. A lot more Free Credit history Record Gov Articles