When an individual is in deep mire of debt and no efforts at correction are effective to stop the downturn, what does one do? It is surely not the end, but its time to be patient and adopt a practical approach to tackle the debt trap. The individual should try to negotiate debt to handle this debt situation effectively. debt negotiation involves understanding the amount you owe to the lender, negotiating with the lender to arrive at a new discounted amount. Home loans and credit card loans are examples where one can negotiate debt.
In recent times, the United States is experiencing an increase in loan defaults. According to OCC and OTS reports in April 2009, the fourth quarter of 2008 saw home loans register a delinquency of 2.4 percent from 1.1 percent for third quarter. In credit card sections, Bank of America registered default rate of 10.4% in April 2009. The figures confirm the problem at hand; hence, debt negotiation should be looked at a very important option of getting your way out of the financial cauldron.
Curbing your financial expenses should be the first step if you seriously want to negotiate debt. Rationalizing spending is key to financial control and any debt negotiation should not be taken up unless there is a tight leash on expenditure. So what makes the lender negotiate the debt? With negotiation, the lender spends less time, money and efforts in recovering the loan. The major benefit for the lender is that there is some amount that is recovered, which would otherwise be lost, if the borrower files for bankruptcy.
Also, getting into legal methods to recover the loan would involve money and time. Further, the credit companies are always aware of the fact that a certain percentage of loans will default, hence if they can salvage some amount from the lost cause, it definitely would improves their financial position. Hence, in such tight financial situations world over, debt negotiation assumes significance for the creditors as well.
There are two ways to counter financial mismanagement, debt consolidation and debt negotiation. Debt consolidation means
Semarang, – farm gate price of sugar in Central Java back drop. Currently the price to Rp 9,470 per kilogram from Rp 10,050 per kilogram. Chairman of the Council Indonesian Sugarcane Plantation Association (APTRI) Java Sukadi Wibisono said sugar prices have tumbled since two months ago.
Drop in sugar prices due to transport cut sugar factory management. The process of cutting transport queue until the production process reaches four to five days. Whereas the standard should not be more than one day. The new cane harvested, transported for processing directly in the sugar factory.
“As a result, sugar yield decreased to 6% only. Whereas previously could be more than 7%,” he said on the sidelines of the auction sugar by traders, yesterday.
According to him, the sugar factory shall fix the cut freight management. So that the loss rate is very high yield does not occur. Queues at the sugar factory railway yard too long, can be up to two days. So the amount of sugar cane that has been harvested from the garden lot that is not transported. Amount of cane that is not transported and left alone in the garden, making the yield down.
“If calculated, with a 6% yield of the sugar mills are profit. However aggrieved farmers. If you like this, long-time farmers are not interested in planting sugar cane,” he said.
Yield is the level of sugar content in the sugarcane expressed in percent. Yield 10%, meaning that the 100 kilograms of sugar cane to sugar mills digilingkan be obtained as much as 10 pounds of sugar.
“Wet dry conditions had no effect on the quality of the yield. Due to the rain does not happen every day,” he said.
He said that the falling price of sugar in auction rate farmers are very concerned, because it would threaten the sustainability of the cultivation of sugarcane plantations in Central Java. Not to mention cutting labor costs and increasingly burdensome transportation rose growers.
“It is feared that self-sufficiency can not be achieved,” added Sukadi.
This year APTRI predict the amount of sugar cane production in the
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