2013년 12월 4일 수요일

오전 2:16

By Anabel Buske

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               Ｉｎ               ｒｅｃｅｎｔ               ｗｅｅｋｓ               ｃｒｅｄｉｔ               ｒａｔｉｎｇ               ａｇｅｎｃｉｅｓ               Ｍｏｏｄｙ'ｓ               ａｎｄ               Ｓｔａｎｄａｒｄ               &               Ｐｏｏｒ'ｓ               ｈａｖｅ               ｃａｕｔｉｏｎｅｄ               ｔｈａｔ               ｔｈｅ               Ｕ.Ｓ.

ＡＡＡ               ｃｒｅｄｉｔ               ｒａｔｉｎｇ               ｍａｙ               ｂｅ               ｄｏｗｎｇｒａｄｅｄ               ｕｎｌｅｓｓ               ａ               ｄｅｆｉｃｉｔ-ｒｅｄｕｃｔｉｏｎ               ｐｌａｎ               ｉｓ               ｐｕｔ               ｉｎ               ｐｌａｃｅ               ｉｎ               ｔｈｅ               ｒａｎｇｅ               ｏｆ               $4               ｔｒｉｌｌｉｏｎ               ｉｎ               ｃｕｔｓ.

Ｔｏｄａｙ,               Ｓ&Ｐ               ｈａｖｅ               ｉｎｄｉｃａｔｅｄ               ａ               50               ｐｅｒｃｅｎｔ               ｃｈａｎｃｅ               ｔｈａｔ               ｔｈｅ               Ｕ.Ｓ.

ｗｉｌｌ               ｂｅ               ｄｏｗｎｇｒａｄｅｄ               ｔｏ               ａ               ＡＡ               ｒａｔｉｎｇ,               ｐｅｒｈａｐｓ               ａｓ               ｓｏｏｎ               ａｓ               ｔｈｉｓ               Ａｕｇｕｓｔ.
               Ｔｏ               ｓｍａｌｌ               ｂｕｓｉｎｅｓｓｅｓ               ｉｎ               ｔｈｅ               Ｕｎｉｔｅｄ               Ｓｔａｔｅｓ               ｔｈｉｓ               ｉｓ               ｂａｄ               ｎｅｗｓ               ｉｎｄｅｅｄ.

Ｗｉｔｈ               ｔｈｅ               Ｕｎｉｔｅｄ               Ｓｔａｔｅｓ               ｇｏｖｅｒｎｍｅｎｔ               ｃｕｒｒｅｎｔｌｙ               ｐａｙｉｎｇ               $250               ｂｉｌｌｉｏｎ               ｉｎ               ｉｎｔｅｒｅｓｔ               ａ               ｙｅａｒ,               ａ               ｄｏｗｎｇｒａｄｅ               ｉｎ               ｉｔｓ               ｃｒｅｄｉｔ               ｒａｔｉｎｇ               ｗｉｌｌ               ｃａｕｓｅ               ｉｎｔｅｒｅｓｔ               ｏｎ               Ｕ.Ｓ.

ｄｅｂｔ               ｔｏ               ｒｉｓｅ               ｔｏ               ａｓ               ｍｕｃｈ               ａｓ               ａ               ｔｒｉｌｌｉｏｎ               ｄｏｌｌａｒｓ               ａ               ｙｅａｒ.

Ｔｈｅ               Ｕ.Ｓ.

ｇｏｖｅｒｎｍｅｎｔ               ｗｉｌｌ               ｈａｖｅ               ｔｏ               ｓｈｒｉｎｋ               ａｎｄ               ｒｅｄｉｓｔｒｉｂｕｔｅ               ｒｅｖｅｎｕｅｓ,               ｏｒ               ｍｏｒｅ               ｌｉｋｅｌｙ               ｔａｐ               ｐｒｏｄｕｃｅｒｓ               ｆｏｒ               ｈｉｇｈｅｒ               ｔａｘｅｓ.
               Ｆｏｒ               ｓｍａｌｌ               ｂｕｓｉｎｅｓｓｅｓ,               ｈｉｇｈｅｒ               ｔａｘｅｓ               ｍｅａｎ               ｌｅｓｓ               ｍｏｎｅｙ               ｔｏ               ｒｅｉｎｖｅｓｔ               ｉｎ               ｔｈｅ               ｂｕｓｉｎｅｓｓ.

Ｔｈｅ               ｓｅｃｏｎｄ,               ｈｉｄｄｅｎ               ｔａｘ               ｉｍｐｏｓｅｄ               ｔｈｒｏｕｇｈ               ｑｕａｎｔｉｔａｔｉｖｅ               ｅａｓｉｎｇ               ｗｉｌｌ               ｅｆｆｅｃｔｉｖｅｌｙ               ｉｎｆｌａｔｅ               ｔｈｅ               ｍｏｎｅｙ               ｓｕｐｐｌｙ               ｔｏ               ｐｒｏｖｉｄｅ               ｇｏｖｅｒｎｍｅｎｔ               ｗｉｔｈ               ｔｈｅ               ｃａｓｈ               ｉｔ               ｎｅｅｄｓ.

Ｔｈｉｓ               ｗｉｌｌ               ｌｅａｄ               ｔｏ               ｔｈｅ               ｅｒｏｓｉｏｎ               ｏｆ               ｓａｖｉｎｇｓ               ａｎｄ               ａｎ               ｏｖｅｒａｌｌ               ｐｒｉｃｅ               ｉｎｃｒｅａｓｅ               ｔｈａｔ               ｗｉｌｌ               ｈｉｔ               ｓｍａｌｌ               ｂｕｓｉｎｅｓｓｅｓ               ｉｎ               ｔｈｅ               ｆｏｒｍ               ｏｆ               ｈｉｇｈｅｒ               ｒｅｎｔｓ,               ｒｉｓｉｎｇ               ｐｒｏｄｕｃｔｉｏｎ               ａｎｄ               ｔｒａｎｓｐｏｒｔ               ｃｏｓｔｓ,               ａｎｄ               ｈｉｇｈｅｒ               ｏｐｅｒａｔｉｏｎ               ａｎｄ               ｅｍｐｌｏｙｅｅ               ｓａｌａｒｉｅｓ,               ｗｈｉｃｈ               ｉｎ               ｔｕｒｎ               ｗｉｌｌ               ｆｏｒｃｅ               ｓｍａｌｌ               ｂｕｓｉｎｅｓｓｅｓ               ｔｏ               ｒｅｄｕｃｅ               ｉｎｖｅｎｔｏｒｙ               ａｎｄ               ｒａｉｓｅ               ｐｒｉｃｅｓ.
               Ａｓ               ｔｈｅ               ｅｃｏｎｏｍｙ               ｓｈｒｉｎｋｓ               ｕｎｄｅｒ               ｔｈｅ               ｂｕｒｄｅｎ               ｏｆ               ｉｎｆｌａｔｉｏｎ               ａｎｄ               ｉｎｃｒｅａｓｅｄ               ｔａｘａｔｉｏｎ,               ｐｅｏｐｌｅ               ｗｉｌｌ               ｈａｖｅ               ｌｅｓｓ               ｍｏｎｅｙ               ｔｏ               ｓｐｅｎｄ,               ａｎｄ               ｓｍａｌｌ               ｂｕｓｉｎｅｓｓｅｓ,               ｗｈｉｃｈ               ｈａｖｅ               ａ               ｓｍａｌｌ               ｂｕｆｆｅｒ               ｆｏｒ               ｅｃｏｎｏｍｉｃ               ｄｏｗｎｔｕｒｎｓ,               ｗｉｌｌ               ｂｅ               ｈｉｔ               ｈａｒｄｅｓｔ               ｗｉｔｈ               ｈｉｇｈｅｒ               ｃｏｓｔｓ               ａｎｄ               ｌｏｗｅｒ               ｒｅｖｅｎｕｅｓ.
               Ａｔ               ｔｈｉｓ               ｐｏｉｎｔ,               ｃｒｅｄｉｔ               ｍａｙ               ｈｅｌｐ               ｓｍａｌｌ               ｂｕｓｉｎｅｓｓｅｓ               ｔｏ               ｓｔａｙ               ａｆｌｏａｔ;               ｈｏｗｅｖｅｒ,               ｉｆ               ｔｈｅ               Ｕ.Ｓ.

ｃｒｅｄｉｔ               ｒａｔｉｎｇ               ｉｓ               ｄｏｗｎｇｒａｄｅｄ               ｔｈｅ               ｙｉｅｌｄ               ｏｎ               ｉｔｓ               ｂｏｎｄｓ               ｗｉｌｌ               ｈａｖｅ               ｔｏ               ｒｉｓｅ               ｔｏ               ａｔｔｒａｃｔ               ｂｕｙｅｒｓ               ｏｆ               Ｕ.Ｓ.

Ｄｅｂｔ.

Ｔｈｉｓ,               ｉｎ               ｔｕｒｎ,               ｗｉｌｌ               ａｆｆｅｃｔ               ｔｈｅ               Ｕ.Ｓ.

ｐｒｉｍｅ               ｒａｔｅ,               ｗｈｉｃｈ               ｔｈｅ               Ｆｅｄｅｒａｌ               Ｒｅｓｅｒｖｅ               ｂａｓｅｓ               ｏｎ               30-ｙｅａｒ               ｂｏｎｄｓ.

Ｗｈｅｎ               ｔｈｅ               ｐｒｉｍｅ               ｒａｔｅ               ｗｉｌｌ               ｇｏ               ｕｐ,               ｓｏ               ｗｉｌｌ               ａｌｌ               ｖａｒｉａｂｌｅ               ｒａｔｅｓ               ｏｎ               Ｕ.Ｓ.

ｃｒｅｄｉｔ               ｃａｒｄｓ               ａｎｄ               ｖａｒｉａｂｌｅ               ｍｏｒｔｇａｇｅｓ.

Ｆｏｒ               ｓｍａｌｌ               ｂｕｓｉｎｅｓｓｅｓ               ｔｈｉｓ               ｍｅａｎｓ               ｈｉｇｈｅｒ               ｉｎｔｅｒｅｓｔ               ｒａｔｅｓ               ｏｎ               ｂｕｓｉｎｅｓｓ               ｌｏａｎｓ.
               Ｇｏｖｅｒｎｍｅｎｔ               ｓｐｅｎｄｉｎｇ               ｔｏｄａｙ               ｉｓ               ａｔ               ｌｅｖｅｌｓ               ｅｑｕａｌ               ｔｏ               ＷＷＩＩ.

Ｔｈｉｓ               ｈａｓ               ｐｕｔ               ｔｈｅ               ｃｏｕｎｔｒｙ               ｏｎ               ａｎ               ｕｎｓｕｓｔａｉｎａｂｌｅ               ｐａｔｈ,               ｗｉｔｈ               ｔｈｅ               ｇｏｖｅｒｎｍｅｎｔ               ｓｅｔ               ｔｏ               ｄｏｕｂｌｅ               ｉｔｓ               ｓｉｚｅ               ｉｎ               ｆｉｖｅ               ｙｅａｒｓ,               ｏｒ               ｔｒｉｐｌｅ               ｉｔ               ｉｎ               ｔｅｎ               ｉｆ               ｔｈｅ               ｎａｔｉｏｎ               ｆｏｌｌｏｗｓ               ｔｈｅ               Ｐｒｅｓｉｄｅｎｔ'ｓ               ｂｕｄｇｅｔ.

Ｓｅｖｅｒａｌ               ｐｌａｎｓ               ａｒｅ               ｃｕｒｒｅｎｔｌｙ               ｂｅｉｎｇ               ｄｉｓｃｕｓｓｅｄ               ｔｏ               ｄｅａｌ               ｗｉｔｈ               ｔｈｅ               Ｕ.Ｓ.

ｄｅｂｔ               ｃｒｉｓｉｓ.
               Ｔｈｅ               ＭｃＣｏｎｎｅｌｌ               ｐｌａｎ               ｐｒｏｐｏｓｅｓ               ｔｏ               ｂｙｐａｓｓ               ｔｈｅ               Ｃｏｎｓｔｉｔｕｔｉｏｎ               ａｎｄ               ｇｉｖｅ               ｔｈｅ               Ｅｘｅｃｕｔｉｖｅ               Ｂｒａｎｃｈ               (ｔｈｅ               Ｐｒｅｓｉｄｅｎｔ)               ｔｈｅ               ｐｏｗｅｒ               ｔｏ               ｒａｉｓｅ               ｔｈｅ               ｄｅｂｔ               ｌｉｍｉｔ               ｗｉｔｈｏｕｔ               ｒｅｆｅｒｅｎｃｅ               ｔｏ               Ｃｏｎｇｒｅｓｓ,               ｉｎ               ｗｈｉｃｈ               ｃａｓｅ               ｔｈｅ               Ｕ.Ｓ.

ｃｒｅｄｉｔ               ｒａｔｉｎｇ               ｉｓ               ｓｕｒｅ               ｔｏ               ｂｅ               ｄｏｗｎｇｒａｄｅｄ,               ｍａｋｉｎｇ               ｃｒｅｄｉｔ               ｌｅｓｓ               ａｖａｉｌａｂｌｅ               ｔｏ               ｓｍａｌｌ               ｂｕｓｉｎｅｓｓｅｓ.
               Ｔｈｅ               Ｇａｎｇ               ｏｆ               Ｓｉｘ               ｐｌａｎ               ｐｒｏｐｏｓｅｓ               ｔｏ               ｃｕｔ               ｓｐｅｎｄｉｎｇ               ｂｙ               $3.7               Ｔｒｉｌｌｉｏｎ               ｏｖｅｒ               10               ｙｅａｒｓ               (ｆｏｒ               ｗｈｉｃｈ               ｎｏ               ｓｐｅｃｉｆｉｃｓ               ａｒｅ               ａｖａｉｌａｂｌｅ),               ｂｕｔ               ｔｏ               ｉｎｃｒｅａｓｅ               ｔａｘｅｓ               ｂｙ               $1.2               Ｔｒｉｌｌｉｏｎ,               ｗｈｉｃｈ               ｉｓ               ｓｕｒｅ               ｔｏ               ｗｅａｋｅｎ               ｓｍａｌｌ               ｂｕｓｉｎｅｓｓｅｓ               ｗｈｏ               ｒｅｌｙ               ｏｎ               ｍｏｎｅｙ               ｓｔａｙｉｎｇ               ｉｎ               ｔｈｅ               ｈａｎｄｓ               ｏｆ               ｉｎｄｉｖｉｄｕａｌｓ               ｎｏｔ               ｂｕｒｅａｕｃｒａｔｓ.
               Ｆｉｎａｌｌｙ,               ｔｈｅ               ｏｎｌｙ               ｐｌａｎ               ｔｈａｔ               ｉｓ               ａｌｒｅａｄｙ               ａ               ｂｉｌｌ               (ｗｈｉｃｈ               ｈａｓ               ｐａｓｓｅｄ               ｉｎ               ｔｈｅ               Ｈｏｕｓｅ)               ｉｓ               Ｃｕｔ,               Ｃａｐ               ａｎｄ               Ｂａｌａｎｃｅ.

Ｔｈｅ               ｂｉｌｌ               ｐｒｏｐｏｓｅｓ               ｔｏ               ｃｕｔ               $111               Ｂｉｌｌｉｏｎ               ｉｎ               ｇｏｖｅｒｎｍｅｎｔ               ｓｐｅｎｄｉｎｇ               ｉｎ               ｔｈｅ               ｆｉｒｓｔ               ｙｅａｒ               ａｌｏｎｅ               ａｎｄ               ｃｕｔ               $6               Ｔｒｉｌｌｉｏｎ               ｏｖｅｒ               10               ｙｅａｒｓ.

Ｅｖｅｎ               ｍｏｒｅ               ｉｍｐｏｒｔａｎｔｌｙ               ｆｏｒ               ｓｍａｌｌ               ｂｕｓｉｎｅｓｓｅｓ,               ｔｈｅ               ｂｉｌｌ               ｗｉｌｌ               ｃａｐ               ｇｏｖｅｒｎｍｅｎｔ               ｓｐｅｎｄｉｎｇ               ａｓ               ａ               ｐｅｒｃｅｎｔａｇｅ               ｏｆ               ｔｈｅ               ｅｃｏｎｏｍｙ.

Ｆｉｎａｌｌｙ,               ｔｈｅ               ｂｉｌｌ               ｉｎｃｌｕｄｅｓ               ａ               ｂａｌａｎｃｅ               ｂｕｄｇｅｔ               ａｍｅｎｄｍｅｎｔ               ｔｏ               ｔｈｅ               ｃｏｎｓｔｉｔｕｔｉｏｎ,               ｗｈｉｃｈ               ｗｉｌｌ               ｉｎｃｌｕｄｅ               ａ               ｓｐｅｎｄｉｎｇ               ｌｉｍｉｔａｔｉｏｎ               ａｎｄ               ａ               ｓｕｐｅｒ-ｍａｊｏｒｉｔｙ               ｒｅｑｕｉｒｅｍｅｎｔ               ｆｏｒ               ｒａｉｓｉｎｇ               ｔａｘｅｓ,               ｂｏｔｈ               ｏｆ               ｗｈｉｃｈ               ｗｉｌｌ               ｉｎｔｒｏｄｕｃｅ               ａ               ｃｌｉｍａｔｅ               ｏｆ               ｃｅｒｔａｉｎｔｙ               ｉｎｔｏ               ｔｈｅ               ｅｃｏｎｏｍｙ               ａｎｄ               ｈｅｌｐ               ｓｍａｌｌ               ｂｕｓｉｎｅｓｓｅｓ               ｓｕｒｖｉｖｅ               ｔｈｅ               ｆｉｎａｎｃｉａｌ               ｔｕｒｂｕｌｅｎｃｅ               ｏｆ               ｔｏｄａｙ               ａｎｄ               ｐｌａｎ               ｆｏｒ               ａ               ｂｅｔｔｅｒ               ｆｕｔｕｒｅ.
               Ｍｏｒｅ               ｆｒｏｍ               ｔｈｉｓ               Ｃｏｎｔｒｉｂｕｔｏｒ
               Ｔｈｅ               Ｌａｔｅｓｔ               Ｏｎｌｉｎｅ               Ｍａｒｋｅｔｉｎｇ               Ｔｒｅｎｄｓ               ｆｏｒ               Ｓｍａｌｌ               Ｂｕｓｉｎｅｓｓ
               Ｓｅｌｌｉｎｇ               Ｙｏｕｒ               Ｓｍａｌｌ               Ｂｕｓｉｎｅｓｓ               ｆｏｒ               ｔｈｅ               Ｈｉｇｈｅｓｔ               Ｐｒｉｃｅ
               5               Ｓｍａｌｌ               Ｂｕｓｉｎｅｓｓ               Ｍｉｓｔａｋｅｓ               Ｔｈａｔ               Ｗｉｌｌ               Ｃｏｓｔ               Ｙｏｕ               







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bad debt buyers
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bad debt buyers
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bad debt buyers
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bad debt buyers
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