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Debt is that which is owed. People or organisations often enter into agreements to borrow something. Both parties must agree on some standard of deferred payment, most usually a sum of money denominated as units of a currency, but sometimes a like good. ...

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Credit card debt is often a result of costly food and grocery purchasing habits
Here's how to tell when you're too deep in credit card debt: if 15% or more of your monthly income goes to pay your credit card bills, you've triggered one of the many warning signs that your credit card debt is out of control. There are other triggers, too: paying the monthly payments on one...
Credit card debt is often a result of costly food and grocery purchasing habits
Here's how to tell when you're too deep in credit card debt: if 15% or more of your monthly income goes to pay your credit card bills, you've triggered one of the many warning signs that your credit card debt is out of control. There are other triggers, too: paying the monthly payments on one...
Credit card debt rises yet again, personal bankruptcy matches pattern of federal spending
The article entitled Credit card debt rises yet again, personal bankruptcy matches pattern of federal spending has been moved to http://www.Counterthink.org/000089.html
Some debt counseling non-profits are just looking to make a buck
The article entitled Some debt counseling non-profits are just looking to make a buck has been moved to http://www.Counterthink.org/000071.html
As Consumers Dive Deeper Into Credit Card Debt, Banks Rake In Profits
The article entitled As Consumers Dive Deeper Into Credit Card Debt, Banks Rake In Profits has been moved to http://www.Counterthink.org/000042.html
Avoid identity theft, credit card fraud and other cons with new safety guide from RealSafety.org (press release)
The Real Safety Guide to Beating Identity Theft, Con Artists and Credit Card Fraud is a new, downloadable safety guide that teaches consumer safety tips. The guide is available now at www.RealSafety.org. Real case studies of cons, frauds and identity thieves reveal 140 real world safety tips, like...
Identity theft protection and credit card fraud prevention tips revealed in street-savvy safety guide from RealSafety.org (press release)
The Real Safety Guide to Beating Identity Theft, Con Artists and Credit Card Fraud (available now at www.RealSafety.org) reveals 140 real world safety tips in an easy-to-use, street-savvy guide that spares the fluff and gives you a no-holds-barred look at identity theft and credit fraud. The guide offers...
Not paying credit card bills on time can lead to higher interest rates
Here's the latest on Moved to Counterthink.org. If you enjoy this article, you may also be interested in an article entitled 'Credit card debt is often a result of costly food and grocery purchasing habits.'
New Credit Card Study Shows People Could Face Higher Rate of Default and Interest Rates (press release)
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Businesses suing Visa and MasterCard for high fees
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Forty million credit card numbers stolen, some consumers still may not know they were affected
Here's the latest on Moved to Counterthink.org. Be sure to read the related article, Credit card debt is often a result of costly food and grocery purchasing habits.
Woman pleads guilty in identity theft case that targeted an 86-year-old woman
The Rochester Democrat and Chronicle has a brief article about a woman who used an elderly woman's information to apply for company credit cards. To learn more on this topic, be sure to also read the related article, Introducing nine new made-up diseases for drug companies to exploit with mind-altering...
Thieves may have stolen thousands of credit card records from Polo Ralph Lauren
This article is primarily about Moved to Counterthink.org. To learn more on this topic, be sure to also read the related article, Credit card debt is often a result of costly food and grocery purchasing habits.
MasterCard credit card information may have been stolen from HSBC customers
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Paying down credit card balances can improve financial position
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Credit companies refuse to identify target of major security breach
A security breach at a national retailer has impacted hundreds of thousands of holders of Visa and MasterCard credit cards, but the credit companies are refusing to identify the retailer in question. An issuer of GM MasterCards has informed 180,000 of its customers that their credit information may have...
Milwaukee resident guilty of credit card fraud worth more than $1.1 million
Here's the latest on Moved to Counterthink.org.
uSwitch warns credit card users on 0 percent credit card balance transfers
Here's the latest on Moved to Counterthink.org. If you find this article interesting, be sure to also read 'Credit card debt is often a result of costly food and grocery purchasing habits.'
Bogus airline ticket sites used to scam credit card data
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Senate approves bill restricting credit card marketing to college students
Here's a news item on Moved to Counterthink.org. To learn more on this topic, be sure to also read the related article, Credit card debt is often a result of costly food and grocery purchasing habits.
Seniors and baby boomers are building serious credit card debt
Here's an article about Moved to Counterthink.org. To learn more on this topic, be sure to also read the related article, Credit card debt is often a result of costly food and grocery purchasing habits.
Mandatory debt counseling is a good idea but it is questionable in practice, according to one writer
This article focuses on Moved to Counterthink.org. If you enjoy this article, you may also be interested in an article entitled 'Some debt counseling non-profits are just looking to make a buck.'
Bill to make declaring bankruptcy more difficult does not help those targeted by credit card companies
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40 members of the House of Representatives carry at least $10,000 in credit card debt
This article focuses on Moved to Counterthink.org. To learn more on this topic, be sure to also read the related article, Credit card debt is often a result of costly food and grocery purchasing habits.
Perks should not determine a consumer's credit card of choice, according to industry analysts
Here's an article about Moved to Counterthink.org. Be sure to read the related article, Credit card debt is often a result of costly food and grocery purchasing habits.
Americans should not blame credit card companies for their debt problems, according to Donald Ogilvie
Here's the latest on Moved to Counterthink.org. To learn more on this topic, be sure to also read the related article, Why used cars cost more to drive than new cars (and other uncommon personal finance advice).
Young people in India now running up severe credit card debt
This article focuses on Moved to Counterthink.org. Be sure to read the related article, Credit card debt is often a result of costly food and grocery purchasing habits.
Even bankrupt customers are profitable for credit card issuers
Here's the latest on Moved to Counterthink.org. Be sure to read the related article, Credit card debt is often a result of costly food and grocery purchasing habits.
Late credit card payments have stiff consequences
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Fraudulent credit card use can cause long-term financial problems
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One-time use credit card numbers are an excellent way to protect real credit card numbers
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Visa survey finds 20% of the population has endured credit card fraud
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Will Demographics Change Start-up Investment?
By Duncan Cameron, Sat Dec 10th

There is a growing understanding that as baby-boomers retire,western equity markets will be under pressure as this marketsegment draws on their lifetime savings (Source: McKinsey April2005). So what will this mean to start-ups that arelooking for new capital? Actually it is quite good news.

First off, as most US, Japanese and European investors are mostheavily into listed stocks and bonds, these will be the onesmost under pressure. One trend that is expected to offset thiswithdrawal of funds is the increase in savings from the Chineseand Indian middle classes. Will these new investors take theplace of the retiring ones? Time will only tell, but thisinstability should cause institutional investors to think twiceabout staying in most common equities.

Secondly, those remaining investors, faced with an uncertain (atbest) market in traditional vehicles, will look for high growthopportunities to offset poor performance by established equitiesand debt. Obviously emerging economies will be high on the list,but foreign exposure will come into play as

investors look toget local high growth to reduce the exchange issues. Investmentsin start-ups are net-new, and don’t have the down side ofinvestor withdrawals. Furthermore, with possible high rewards,against a sea of uncertainty with limited growth, newinvestments may look positively glowing.

Finally, with this net increase of investment from emergingnations, the industrial nation’s currencies will gain in value,further emphasising the need to invest within industrial nationsrather than face potential currency losses on foreign highgrowth opportunities.

So, all in all, the next few years should be very good for start-ups that arelooking for capital.

About the author:Duncan is a partner at The Launch Factory,a consultancy specializing in marketing, sales, andproduct management strategy for software and IT companies.

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