Yet, the ability of state governments to repay their debt may have been adversely affected by the fiscal stress they underwent in the 1980's and early 1990's (Poterba, 1994; Gold, 1995). Inevitably, such fiscal problems adversely affect the ability of state governments to finance their citizens' capital needs at lowest cost.
Since the state government sector surplus peaked at historical highs in the mid-1980's, the fiscal position of the states has deteriorated to the point where in 1992 the state sector suffered its largest deficit in U. In this article state government credit ratings are used to analyze aggregate state government credit quality from 1970 to 1995.
When Lauren set up an online dating profile, she wasn't looking for a partner with perfect credit.
Those four little words, so easy, so important, so relationship-killing: “It was as if the music stopped,” Ms.
La Shawn, 31, said, recalling how the date this year went so wrong so quickly after she tried to answer his question honestly. "According to interviews with more than 50 daters across the country, all under the age of 40," credit scores can make or break a possible relationship.
Our analysis focuses on changes in the overall credit quality of state governments, and changes in the comparative credit ratings of Moody's Investors Service and Standard and Poor's.
This article adds to the public administration and financial certification literatures by providing a new means of understanding and analyzing the aggregate structure of state government credit quality over time.
Here are a few tips to help you get over the hurdles you could encounter: The application procedure When going through the approval procedure, remember that this is a negotiation and really should be handled as such. Instead, see the way they are willing to do to benefit you.
Consider the car-buying method: If you let out several, you may be tired of it, managing salesmen a new lower estimate mind. If you nevertheless cant obtain approved for a rental, work harder to improve your credit and start the search once more when the time is right.
"It was such a turn on." Like Lauren, a growing number of singles are swapping details about their credit scores at the beginning of a relationship, filtering by FICO to find Mr. "A credit score gives you an indication of how someone handles their finances; a high credit score is the key to your financial future, but a low credit score could be an indicator of potential issues that need to be discussed." In addition to qualifying for lower rates on loans and more access to credit, a mate with a low credit score may spell trouble in a relationship.
In a survey conducted by my FICO.com, respondents reported that a lack of financial responsibility impacted their relationship more than an unfaithful spouse.
On the contrary, products such as too much student loans, personal credit card debt and healthcare bills can be overlooked as long as they do not present as much of the threat.