Position to pay your debts, bankruptcy is considered a fallen person or entity. State of bankrupt person's or organization's goods and those goods may confiscate the moneyfrom the sale of a debtor splits. Might want to understand the person as their bankruptcydebts effect default, creditors are the people who borrow money in any of the court may require the confiscation of the debtor's business.
When the person declared bankruptcy court, and will manage to take over thebankrupt's estate and assets, the trustee or assigns in a specialized group of officers.These officers carry out the work or the creditor on behalf of the bankrupt's creditors by selling of all possessions and property, you can share. State bankruptcy system,bankruptcy, which protects not meet demands, and liabilities when paid, be removed from the bankruptcy decision. The court, while the decision to remove a bankruptcy,bankruptcy looks davranmadığına honest. Do not maintain the assets, the creditors andthe court of this or that well-intentioned people working to deceive the bankruptcy to beresolved to remove. Those who harm the creditors, shall be punished in order to introduce fraudulent transactions.
The current bankruptcy system, is much softer than in eskiçağlardakine. For example,ancient Greek and Roman law, a creditor, debtor satabilirdi as slaves. Traders andbusinessmen of the late Middle Ages, first as a bankruptcy system included.Genelleştirilerek ordinary people prior to the implementation of the system to, for example, borrowers in Britain are usually thrown in jail.
A profitable way to go bankrupt!
Some things are not what they seem .. Bankruptcy in the win .. He is a "fraudulent bankruptcy" he is talking about something.
Bankruptcy ettireceğiniz company varnishes. Shares in the stock market when you have made the ceiling carp horses, everyone in this loot / partner wants to be sweet profit.Then you explain the company's bankruptcy, and someone lying on the money ..Around a dozen of the first 3 months of 2009 in Russia the number of the owner of billion of dollars of wealth has fallen by half. Money flowed into the United States ..
Do not find place to put their money when oil prices of 150 dollars, the money collected from all over the world, invested in this stock market rising stars of the .. But when he flew all the wealth he has gone after corporations.
Even the French Central Bank, the Euro has lost yüzmilyarlarca company operations, this wreck ..
Such a gathering of U.S. dollars all over the world vagabond. Also delayed the collapse of the dollar for him ..
Russia, for its exploitation of the Russian mafiasının volume not extracted. At the end of this money goes to the U.S. .. Or confiscated money to the operations of this fortune, or the stock market and are being deprived of games ..
Only the Russian billionaire oil sheiks or not the money, mafia, politics and bureaucracy in the days when rüşvetçilerin money goes to the same address ..
In other words, states, state bureaucrats and the politicians robbed, capital groups, in the end everyone is playing for the United States. Who steals from the play Let, at the end of the U.S. is gaining from this work ..
Reap the profits that the Jewish lobby is eating .. Lo in the stock market, while some people seem to spiral in, the fall is also on the winning side. By the script, and are between the founders of the game, every time you receive the winning side in place ..
It seems that the last global crisis in the United States and the Jewish capital of the winning side. Everyone is the loser ..
Two courses in the world pulled out of this crisis: Stock Market, its present shape stability to be achieved by getting rid of the yoke of a gambling game, and the dollar ..
Solution: 1) forward transactions in international trade to be valid and a new virtual currency are needed .. 2) must be transparency and irregular structures of the companies quoted on stock exchange transactions and the trial of an internationally-punishment system should be more strict control .. That is how the arms smuggling, drug crimes, such as is carried out to monitor the serious organizations, international financial / market system for monitoring financial crimes at the international level should be a mechanism for monitoring. Dollarization, and certainly should be in front of .. Order to ensure this, the international state to state, government or international organizations, private sector lending principles, the control must be connected to the new rules ..
We literally years, with credits that offset dolandırıldık .. Conditional loans, the defense industry, agriculture, investment, become dependent on foreign trade were brought ..
Since you solved the nation states, created an international legal order. International monetary and financial policies, the need for an international reorganization .. Oversee the restructuring of the UN in this condition ..UN "stole the money issuer's whistle," "have a voice to everyone's benefit" of a building can not be! Should not be!This deep state of affairs in Israel, along with the American deep state kotarıyor .. It also possible to add the British ..Israel and the Jewish lobby is not the same thing .. Jewish lobby in the U.S., EU and global markets which have been in force .. Israel, his own district .. Broklyn a place like that. Sacred, symbolic of a "father's quarry", not "the main quarry", "host country".Deep into a constitutional state, the most easy to apply kırallıklarda .. Great Britain / United Kingdom / Great Britain as in the case.
For example, say U.S. organizations, 51 state of the American state, a deep ..Washington appears the White House, Congress, House of Representatives, the CIA, the Pentagon, organizations such as the U.S. deep state showcase, white desk olşuşturur .. Deep well behind the actual stops .. For example, Federal Reserve, the U.S. dollar produced by the deep state distribution with a function such as CENTRAL.CFR U.S. deep state actors that appear in a location such as consultation with the council ..
Who is who in this business, most of the time is not obvious. Who is Barack Hussein Obama, for example? .. Tuncay Güney'inki roots as complex as most of them .. This news also fell yesterday to the Internet. Currently the owner of luxury hotels in Antalya, for example, who is this guy: Ismailov also one of the foremost Jewish lobby; Eurasia Conference on Jews by carrying out the organization's Vice. Telman Ismailov Ismailov Dangling which is one of three sons, has been serving as the still asbaşkanlık Antalyaspor. Ismailov who invest in Turkey during the crisis, if a greater investment in Turkey, it also says it will. Antalyaspor president is that, you probably have not been received Turkish citizenship. We call it the Azeri, but in fact he is a Russian businessman. When the name of Ismail, as if the "Muslim" is in the image .. All this aside, one of the important figures in the Jewish lobby ..
Buyukanit, who, who Basbug, Marshal Fevzi Cakmak who? Does the cigarette lighter of the Communist party's founder, DP? .. Inonu who deal with men? Who is this guy!
You can not solve deeper issues plain silly.
What they called the Valley of Wolves last week, "the Army mission," he mobilized the army by opening banner can not pass, "if you support those who want the caliphate, the army into action," said one of the ..
In other words, such as billiards game, what is more important than vurduğun stone, the stone hit the stone vurduğun.
To go bankrupt, sometimes dirty can be a vehicle for a profit ..
Bankruptcy ettireceğiniz company varnishes. Shares in the stock market when you have made the ceiling carp horses, everyone in this loot / partner wants to be sweet profit.Then you explain the company's bankruptcy, and someone lying on the money ..Around a dozen of the first 3 months of 2009 in Russia the number of the owner of billion of dollars of wealth has fallen by half. Money flowed into the United States ..
Do not find place to put their money when oil prices of 150 dollars, the money collected from all over the world, invested in this stock market rising stars of the .. But when he flew all the wealth he has gone after corporations.
Even the French Central Bank, the Euro has lost yüzmilyarlarca company operations, this wreck ..
Such a gathering of U.S. dollars all over the world vagabond. Also delayed the collapse of the dollar for him ..
Russia, for its exploitation of the Russian mafiasının volume not extracted. At the end of this money goes to the U.S. .. Or confiscated money to the operations of this fortune, or the stock market and are being deprived of games ..
Only the Russian billionaire oil sheiks or not the money, mafia, politics and bureaucracy in the days when rüşvetçilerin money goes to the same address ..
In other words, states, state bureaucrats and the politicians robbed, capital groups, in the end everyone is playing for the United States. Who steals from the play Let, at the end of the U.S. is gaining from this work ..
Reap the profits that the Jewish lobby is eating .. Lo in the stock market, while some people seem to spiral in, the fall is also on the winning side. By the script, and are between the founders of the game, every time you receive the winning side in place ..
It seems that the last global crisis in the United States and the Jewish capital of the winning side. Everyone is the loser ..
Two courses in the world pulled out of this crisis: Stock Market, its present shape stability to be achieved by getting rid of the yoke of a gambling game, and the dollar ..
Solution: 1) forward transactions in international trade to be valid and a new virtual currency are needed .. 2) must be transparency and irregular structures of the companies quoted on stock exchange transactions and the trial of an internationally-punishment system should be more strict control .. That is how the arms smuggling, drug crimes, such as is carried out to monitor the serious organizations, international financial / market system for monitoring financial crimes at the international level should be a mechanism for monitoring. Dollarization, and certainly should be in front of .. Order to ensure this, the international state to state, government or international organizations, private sector lending principles, the control must be connected to the new rules ..
We literally years, with credits that offset dolandırıldık .. Conditional loans, the defense industry, agriculture, investment, become dependent on foreign trade were brought ..
Since you solved the nation states, created an international legal order. International monetary and financial policies, the need for an international reorganization .. Oversee the restructuring of the UN in this condition ..UN "stole the money issuer's whistle," "have a voice to everyone's benefit" of a building can not be! Should not be!This deep state of affairs in Israel, along with the American deep state kotarıyor .. It also possible to add the British ..Israel and the Jewish lobby is not the same thing .. Jewish lobby in the U.S., EU and global markets which have been in force .. Israel, his own district .. Broklyn a place like that. Sacred, symbolic of a "father's quarry", not "the main quarry", "host country".Deep into a constitutional state, the most easy to apply kırallıklarda .. Great Britain / United Kingdom / Great Britain as in the case.
For example, say U.S. organizations, 51 state of the American state, a deep ..Washington appears the White House, Congress, House of Representatives, the CIA, the Pentagon, organizations such as the U.S. deep state showcase, white desk olşuşturur .. Deep well behind the actual stops .. For example, Federal Reserve, the U.S. dollar produced by the deep state distribution with a function such as CENTRAL.CFR U.S. deep state actors that appear in a location such as consultation with the council ..
Who is who in this business, most of the time is not obvious. Who is Barack Hussein Obama, for example? .. Tuncay Güney'inki roots as complex as most of them .. This news also fell yesterday to the Internet. Currently the owner of luxury hotels in Antalya, for example, who is this guy: Ismailov also one of the foremost Jewish lobby; Eurasia Conference on Jews by carrying out the organization's Vice. Telman Ismailov Ismailov Dangling which is one of three sons, has been serving as the still asbaşkanlık Antalyaspor. Ismailov who invest in Turkey during the crisis, if a greater investment in Turkey, it also says it will. Antalyaspor president is that, you probably have not been received Turkish citizenship. We call it the Azeri, but in fact he is a Russian businessman. When the name of Ismail, as if the "Muslim" is in the image .. All this aside, one of the important figures in the Jewish lobby ..
Buyukanit, who, who Basbug, Marshal Fevzi Cakmak who? Does the cigarette lighter of the Communist party's founder, DP? .. Inonu who deal with men? Who is this guy!
You can not solve deeper issues plain silly.
What they called the Valley of Wolves last week, "the Army mission," he mobilized the army by opening banner can not pass, "if you support those who want the caliphate, the army into action," said one of the ..
In other words, such as billiards game, what is more important than vurduğun stone, the stone hit the stone vurduğun.
To go bankrupt, sometimes dirty can be a vehicle for a profit ..
Go bankrupt
From the environment to immigration, job change, and rızıkta earnings decline, and the world of religion deficit, will signify.
Dream to go bankrupt to be taken very lucrative and profitable businesses, many of them will win and means the wound.
Challenge. By one's surroundings and sıkılacağına indicates he would feel discomfort.
If or leave an enterprise's bankruptcy or insolvency of the dream so I see that you have been to lose your money, today you will see the many benefits that are in the situationand is a sign that advantage. According to another rumor: that nobody who dreams of religion and the world of bankruptcy will noksanhgma signal. bankrupt in the death of the patient, discontinuation of rizkinin his art to a place further down the migration of an artor any other hometown, is the signal.
Dream to go bankrupt to be taken very lucrative and profitable businesses, many of them will win and means the wound.
Challenge. By one's surroundings and sıkılacağına indicates he would feel discomfort.
If or leave an enterprise's bankruptcy or insolvency of the dream so I see that you have been to lose your money, today you will see the many benefits that are in the situationand is a sign that advantage. According to another rumor: that nobody who dreams of religion and the world of bankruptcy will noksanhgma signal. bankrupt in the death of the patient, discontinuation of rizkinin his art to a place further down the migration of an artor any other hometown, is the signal.
To become rich and to go bankrupt
Question: A teacher, a lawyer, a doctor at a time up to five to ten years grew rich enough to have a holding, even then traded in the stock market had gone bankrupt and how it is possible to damage these companies? I mean the following: theft, and shall not be rich without the company of a rich, buoyant without a fiddle. Is this my views are not real?ANSWERNecessarily have to be rich do not have to have a diploma or any other professional.That is not necessarily to be rich to be a primary school education or have graduated from university she is an essential. As a profession, too. Which is certainly rich in lumbering, which Mermerci there is a rule that can not be rich. The coach and the rich see the two major Sabancılara, charged in terms of what, in terms of what the profession, is a precedent in the non-rich are no different.
Rich get rich is illegitimate to say that everyone is wrong. The man is rich with stocks, go to work rast is rich. There are many ways of being rich. Remains is a rich heritage, is rich in the lottery occurs, is a rich treasure finds. Makes an invention would be rich. Is it happens. Microsoft and Google as soon as the owners of the wealth of everyone around the world known. There is also nothing to do with being a rich listen.
And expenditure account book, knowing that anyone who wants to win so you can become rich, not always. Rich people do not necessarily stealing. Market full of thieves, almost all of them are poor. Link to get rich from theft or other malevolence of fortune is the product of hatred.
Another point, every company there is a plinth that will always profit. Profit is also the time, when the damage. Even when the Ottoman Empire dominated the world was destroyed. Kemal also for people who disappear. Each company may have good and bad situations. Profit or loss is to blame and that illegitimacy is not a normal situation.
Holding and its subsidiary companies traded on the exchange if any of this means:(These companies from A to Z, and control is within the knowledge of all things of the state. Revenues, expenses are clear, ie everything is fixed documents. Unfair gain is immediately apparent that the state adheres to his neck.)
The exceptions to these, will you? Is, of course. But it disturbs the exception rules.
Rich get rich is illegitimate to say that everyone is wrong. The man is rich with stocks, go to work rast is rich. There are many ways of being rich. Remains is a rich heritage, is rich in the lottery occurs, is a rich treasure finds. Makes an invention would be rich. Is it happens. Microsoft and Google as soon as the owners of the wealth of everyone around the world known. There is also nothing to do with being a rich listen.
And expenditure account book, knowing that anyone who wants to win so you can become rich, not always. Rich people do not necessarily stealing. Market full of thieves, almost all of them are poor. Link to get rich from theft or other malevolence of fortune is the product of hatred.
Another point, every company there is a plinth that will always profit. Profit is also the time, when the damage. Even when the Ottoman Empire dominated the world was destroyed. Kemal also for people who disappear. Each company may have good and bad situations. Profit or loss is to blame and that illegitimacy is not a normal situation.
Holding and its subsidiary companies traded on the exchange if any of this means:(These companies from A to Z, and control is within the knowledge of all things of the state. Revenues, expenses are clear, ie everything is fixed documents. Unfair gain is immediately apparent that the state adheres to his neck.)
The exceptions to these, will you? Is, of course. But it disturbs the exception rules.
5 and not to bankruptcy warning
Global economic crisis, so to speak, "waste not, renew" was crushed. How easy is the second largest inhabited the world to go bankrupt if the crisis just as hard to get through the recession
As the global economic crisis, companies went bankrupt, millions of people. As well as an increase of 20 percent.
5 very simple rule is that bankruptcy was their lack of reason.
Personal bankruptcies in general was their reason for moving away from fiscal discipline. 5 ways to ruin yourself to see what the fastest? You don 't make you do them!
DEPENDENT LIVING IN CREDIT CARD
Plastic card-dependent, and those who prefer cash instead of credit card crisis was the most serious victims. When upgrading your credit card limit deficit spending and interest rates on credit card brutal millions of people dragged into bankruptcy.
HEALTH INSURANCE MORE THAN RELYING UPON
Some of the expenditures consist of health costs and higher insurance premiums as a major cause of bankruptcies of various diseases despite the lack of insurance is a serious problem kapsamamında. Insurance does not cover many diseases cause serious damage to your budget, and drag you into bankruptcy.
RELYING UPON premiums and prizes
To make a purchase to be taken out of a comfortable salary and bonuses to rely on contributions of many people led to the bankruptcy. If you need an urgent reason to go bankrupt, taking into account salary and bonuses of the premium shop.
SHOW'S DISEASE
Porsche is a car that decorate most of us dream of. Neighbor's or friend's car would appeal to us, and we force limits. This will give us a brief but pleasant geçirtecek process. To say 're worth the pleasure of using the Porsche to a Porsche dealer to get.Latest models are waiting for you.
PAIR OF NIKE, OR TRAINING DO YOU HAVE?
In today's industry, the latest innovations in front of us in a moment Ignoring the alıpta seriyor.Görüp not stipulate not enjoy. But what about the training. I've got more to education then those who take care of. The time passed quickly. And the lion's mouth of bread. A generation is more talented than you. Factor in front of the door of landings, and bankruptcy is imminent.
As the global economic crisis, companies went bankrupt, millions of people. As well as an increase of 20 percent.
5 very simple rule is that bankruptcy was their lack of reason.
Personal bankruptcies in general was their reason for moving away from fiscal discipline. 5 ways to ruin yourself to see what the fastest? You don 't make you do them!
DEPENDENT LIVING IN CREDIT CARD
Plastic card-dependent, and those who prefer cash instead of credit card crisis was the most serious victims. When upgrading your credit card limit deficit spending and interest rates on credit card brutal millions of people dragged into bankruptcy.
HEALTH INSURANCE MORE THAN RELYING UPON
Some of the expenditures consist of health costs and higher insurance premiums as a major cause of bankruptcies of various diseases despite the lack of insurance is a serious problem kapsamamında. Insurance does not cover many diseases cause serious damage to your budget, and drag you into bankruptcy.
RELYING UPON premiums and prizes
To make a purchase to be taken out of a comfortable salary and bonuses to rely on contributions of many people led to the bankruptcy. If you need an urgent reason to go bankrupt, taking into account salary and bonuses of the premium shop.
SHOW'S DISEASE
Porsche is a car that decorate most of us dream of. Neighbor's or friend's car would appeal to us, and we force limits. This will give us a brief but pleasant geçirtecek process. To say 're worth the pleasure of using the Porsche to a Porsche dealer to get.Latest models are waiting for you.
PAIR OF NIKE, OR TRAINING DO YOU HAVE?
In today's industry, the latest innovations in front of us in a moment Ignoring the alıpta seriyor.Görüp not stipulate not enjoy. But what about the training. I've got more to education then those who take care of. The time passed quickly. And the lion's mouth of bread. A generation is more talented than you. Factor in front of the door of landings, and bankruptcy is imminent.
What Does Bankruptcy Mean?
What Does Bankruptcy Mean?
A legal proceeding involving a person or business that is unable to repay outstanding debts. The bankruptcy process begins with a petition filed by the debtor (most common) or on behalf of creditors (less common). All of the debtor's assets are measured and evaluated, whereupon the assets are used to repay a portion of outstanding debt. Upon the successful completion of bankruptcy proceedings, the debtor is relieved of the debt obligations incurred prior to filing for bankruptcy.
A legal proceeding involving a person or business that is unable to repay outstanding debts. The bankruptcy process begins with a petition filed by the debtor (most common) or on behalf of creditors (less common). All of the debtor's assets are measured and evaluated, whereupon the assets are used to repay a portion of outstanding debt. Upon the successful completion of bankruptcy proceedings, the debtor is relieved of the debt obligations incurred prior to filing for bankruptcy.
Investopedia explains Bankruptcy
Bankruptcy offers an individual or business a chance to start fresh by forgiving debts that simply can't be paid while offering creditors a chance to obtain some measure of repayment based on what assets are available. In theory, the ability to file for bankruptcy can benefit an overall economy by giving persons and businesses another chance and providing creditors with a measure of debt repayment.
Bankruptcy filings in the United States can fall under one of several chapters of the Bankruptcy Code, such as Chapter 7 (which involves liquidation of assets), Chapter 11 (company or individual "reorganizations") and Chapter 13 (debt repayment with lowered debt covenants or payment plans). Bankruptcy filing specifications vary widely among different countries, leading to higher and lower filing rates depending on how easily a person or company can complete the process.
Bankruptcy offers an individual or business a chance to start fresh by forgiving debts that simply can't be paid while offering creditors a chance to obtain some measure of repayment based on what assets are available. In theory, the ability to file for bankruptcy can benefit an overall economy by giving persons and businesses another chance and providing creditors with a measure of debt repayment.
Bankruptcy filings in the United States can fall under one of several chapters of the Bankruptcy Code, such as Chapter 7 (which involves liquidation of assets), Chapter 11 (company or individual "reorganizations") and Chapter 13 (debt repayment with lowered debt covenants or payment plans). Bankruptcy filing specifications vary widely among different countries, leading to higher and lower filing rates depending on how easily a person or company can complete the process.
Read more: http://www.investopedia.com/terms/b/bankruptcy.asp#ixzz1Wtll8vTM
Bankruptcy |eng|
An application which is on the agenda in Turkey for some time awake, in the United States began to show itself.
Deteriorating economic progress of Americans, now the "credit card alertness" refers to.
In fact, it's a crime by law ... But the counterfeiting and the area is also to be satisfied that the system is also walking.
Let's open a little bit above what we mean ...As is well known in the United States is a big mortgage (mortgage) crisis is taking place. Many families could not pay the installments for the, lost their homes.
Americans are forced to find credit from banks, and short-term debts, began to flock to small businesses to return.
"Market", such as small businesses, each with a fake $ 100 for shopping, the card holder pays $ 70 cash.
So markets in a few minutes, such as $ 30 for winning big money.
So shopping for a $ 70 a person receiving a counterfeit $ 100, it does not pay back the money?Normal also need to pay ... But what benefit does not exist or does not want to pay ...At that time, other ways known to the law comes into play.
Mentioned in the title, "Bankruptcy", ie Turkish counterpart "of bankruptcy ..."
U.S. law prohibits persons, "individual bankruptcy" right to know.
Personal debts, credit cards can not pay or do not want to pay, you can choose the path to bankruptcy.
For this purpose, at a price ranging between $ 300-500, so that you "bankruptcy attorneys from" enough to find one ...
Of course there are advantages and disadvantages of this decision.
Advantage, "bankruptcy" after making the application, one of a more "pay as you go, this debt," he does not bother you.However, slightly more than the disadvantages ... Borçlarınıza you are not loyal to, or reliability of the lost credits.
Once over 7 years, this "black list" actually a good thing from. During this time the more you do not have a new credit card.
You can not shop in installments. If you receive any "cash" and "cash" you have to pay.
Americans because of the mortgage crisis as much as $ 900 billion in credit card debt in the direction of media news is full.
Recently, the credit card out of money, the customer a lower amount of cash payment of $ 2 billion is spent by being mentioned.
No one, "so borrowed credit card, taking cash in exchange for a little" Nonsense, such as choosing the option to not do, some of this money in ödenmeyeceği.
In this way, Americans borrowed; front-end personal iflaslarını (Bankruptcy) will give the exact ...
Leaders 'body language'
A gathering of leaders from two different countries, have always intrigued me.Because here, "body language", refers to many things about the leader and his country.
This "body language", but rather is a comparison between U.S. presidents and leaders of other countries.I guess this is because the power of the United States and must have been!
The leader of the world, in power during that time, at least once at least, the U.S. president to come together. For this purpose, all the diplomatic and political channels activates.
Leaders are lucky to capture this (!) Usually goes to the United States. A photo taken at the White House Oval Office of U.S. presidents, the most special and beautiful place in the home of the leader's office, or ornaments.
The United States or elsewhere, the U.S. chairman of the photo taken with the "stance" is very important.Here, too, "helpless and powerless," avoiding the situation in mind always the rule.
So really with him while walking or sitting in front of the United States, posture is important too.
l For example, the Oval Office, U.S. President "leg, leg, threw it into the top", "helpless" in order to be in the same position as leaders takınırlar sitting opposite.
l Teacher of the face such as the respect of students sitting together and both his leg, put his hands on their knees, able to destroy the leader's charisma.
l with the U.S. leader, walked toward the garden in front of the press also is very important for some people to walk more upright and stable.
l spend his fingers together, tie his hands in front, is seen as an expression of distress or not being comfortable.
l Or a few minutes of a meeting, even if the U.S. president during the conversation, "a diplomatic goal of eating" what about the misfortune of?
The U.S. president, threw his hand against the leaders onumuza, some it is a "sincerity indicator" detects.
Some of the powerful United States, karşısındakilere "Do not worry, your side," says the impression that.
But whatever the purpose, frequently it is American presidents.
Many, such as a world leader, our leaders also carry such concerns.
So in the face of U.S. presidents, the "weak" or "crushed" in a big pay attention to the image display unit pricing.
Because such a case, the media themselves are aware of to put smb.
Haaa; a atamadığı over us in a "time" that he's obsessed, and he always attracted my attention as a separate complex.
For example, "the U.S. president, was set at 40 minutes from the front in the interview.However, inside 93 minutes had "always been the type papers of the common.In other words, "to stay inside, pointing out the value given to that country or leader" is perceived as.For the United States knows this very well, beyond the agreed time, the value given to us (!) Always shows.
EU leaders' visit to the timeless
EU Commission President Jose Manuel Barroso and Enlargement Commissioner Olli Rehn, is coming to Turkey today.The main purpose of this visit is about the closure case opened against the AKP, "support for the ruling party is", is known by everyone.However, during a visit to an event that has transferred to the judiciary "fashionable" or not, is considered by many people.
Most people call it "judicial intervention" as they are seeing.
Barroso said in a speech made before, "Turkey should convince Europe that wants to get under the body. Turkey, EU member may fulfill all the criteria, "he said.In other words, "Turkey accent captive birds, the EU will not" break the news and wants to say, but it says a diplomatic language.
Turkey going through a period of very delicate and fragile.Obvious that there are some problems.However, these external pressures or intervention, but not their own efforts and we have to.Barroso and Rehn have done in this environment is a result of this visit would give birth together, we will see how.
Barroso in a speech in Parliament that will make this a separate event.Posts will power, will be shot in different directions towards the opposition, and certainly by the judiciary.
I think the speech in Parliament, out of place in this environment and the untimely ...
Barroso: Turkey's sensitive period, taking into account the "rabbit and carrot" tactics in the leaves by hand.
And Turkey 's EU accession negotiations, opening of new titles will bring the issue to the agenda. More açılabilirmiş two new negotiation chapters.Officially launched in October of 2005, "Turkey 's EU accession negotiations" in the six titles up to now opened.
In other words, the six titles in 3 years ... EU-Turkey relations than the speed of a tortoise walking slowly, even by a length of road could not get barley.
EU's "new negotiating topics can be opened by saying" let's not forget that continue to distract us again.
Deteriorating economic progress of Americans, now the "credit card alertness" refers to.
In fact, it's a crime by law ... But the counterfeiting and the area is also to be satisfied that the system is also walking.
Let's open a little bit above what we mean ...As is well known in the United States is a big mortgage (mortgage) crisis is taking place. Many families could not pay the installments for the, lost their homes.
Americans are forced to find credit from banks, and short-term debts, began to flock to small businesses to return.
"Market", such as small businesses, each with a fake $ 100 for shopping, the card holder pays $ 70 cash.
So markets in a few minutes, such as $ 30 for winning big money.
So shopping for a $ 70 a person receiving a counterfeit $ 100, it does not pay back the money?Normal also need to pay ... But what benefit does not exist or does not want to pay ...At that time, other ways known to the law comes into play.
Mentioned in the title, "Bankruptcy", ie Turkish counterpart "of bankruptcy ..."
U.S. law prohibits persons, "individual bankruptcy" right to know.
Personal debts, credit cards can not pay or do not want to pay, you can choose the path to bankruptcy.
For this purpose, at a price ranging between $ 300-500, so that you "bankruptcy attorneys from" enough to find one ...
Of course there are advantages and disadvantages of this decision.
Advantage, "bankruptcy" after making the application, one of a more "pay as you go, this debt," he does not bother you.However, slightly more than the disadvantages ... Borçlarınıza you are not loyal to, or reliability of the lost credits.
Once over 7 years, this "black list" actually a good thing from. During this time the more you do not have a new credit card.
You can not shop in installments. If you receive any "cash" and "cash" you have to pay.
Americans because of the mortgage crisis as much as $ 900 billion in credit card debt in the direction of media news is full.
Recently, the credit card out of money, the customer a lower amount of cash payment of $ 2 billion is spent by being mentioned.
No one, "so borrowed credit card, taking cash in exchange for a little" Nonsense, such as choosing the option to not do, some of this money in ödenmeyeceği.
In this way, Americans borrowed; front-end personal iflaslarını (Bankruptcy) will give the exact ...
Leaders 'body language'
A gathering of leaders from two different countries, have always intrigued me.Because here, "body language", refers to many things about the leader and his country.
This "body language", but rather is a comparison between U.S. presidents and leaders of other countries.I guess this is because the power of the United States and must have been!
The leader of the world, in power during that time, at least once at least, the U.S. president to come together. For this purpose, all the diplomatic and political channels activates.
Leaders are lucky to capture this (!) Usually goes to the United States. A photo taken at the White House Oval Office of U.S. presidents, the most special and beautiful place in the home of the leader's office, or ornaments.
The United States or elsewhere, the U.S. chairman of the photo taken with the "stance" is very important.Here, too, "helpless and powerless," avoiding the situation in mind always the rule.
So really with him while walking or sitting in front of the United States, posture is important too.
l For example, the Oval Office, U.S. President "leg, leg, threw it into the top", "helpless" in order to be in the same position as leaders takınırlar sitting opposite.
l Teacher of the face such as the respect of students sitting together and both his leg, put his hands on their knees, able to destroy the leader's charisma.
l with the U.S. leader, walked toward the garden in front of the press also is very important for some people to walk more upright and stable.
l spend his fingers together, tie his hands in front, is seen as an expression of distress or not being comfortable.
l Or a few minutes of a meeting, even if the U.S. president during the conversation, "a diplomatic goal of eating" what about the misfortune of?
The U.S. president, threw his hand against the leaders onumuza, some it is a "sincerity indicator" detects.
Some of the powerful United States, karşısındakilere "Do not worry, your side," says the impression that.
But whatever the purpose, frequently it is American presidents.
Many, such as a world leader, our leaders also carry such concerns.
So in the face of U.S. presidents, the "weak" or "crushed" in a big pay attention to the image display unit pricing.
Because such a case, the media themselves are aware of to put smb.
Haaa; a atamadığı over us in a "time" that he's obsessed, and he always attracted my attention as a separate complex.
For example, "the U.S. president, was set at 40 minutes from the front in the interview.However, inside 93 minutes had "always been the type papers of the common.In other words, "to stay inside, pointing out the value given to that country or leader" is perceived as.For the United States knows this very well, beyond the agreed time, the value given to us (!) Always shows.
EU leaders' visit to the timeless
EU Commission President Jose Manuel Barroso and Enlargement Commissioner Olli Rehn, is coming to Turkey today.The main purpose of this visit is about the closure case opened against the AKP, "support for the ruling party is", is known by everyone.However, during a visit to an event that has transferred to the judiciary "fashionable" or not, is considered by many people.
Most people call it "judicial intervention" as they are seeing.
Barroso said in a speech made before, "Turkey should convince Europe that wants to get under the body. Turkey, EU member may fulfill all the criteria, "he said.In other words, "Turkey accent captive birds, the EU will not" break the news and wants to say, but it says a diplomatic language.
Turkey going through a period of very delicate and fragile.Obvious that there are some problems.However, these external pressures or intervention, but not their own efforts and we have to.Barroso and Rehn have done in this environment is a result of this visit would give birth together, we will see how.
Barroso in a speech in Parliament that will make this a separate event.Posts will power, will be shot in different directions towards the opposition, and certainly by the judiciary.
I think the speech in Parliament, out of place in this environment and the untimely ...
Barroso: Turkey's sensitive period, taking into account the "rabbit and carrot" tactics in the leaves by hand.
And Turkey 's EU accession negotiations, opening of new titles will bring the issue to the agenda. More açılabilirmiş two new negotiation chapters.Officially launched in October of 2005, "Turkey 's EU accession negotiations" in the six titles up to now opened.
In other words, the six titles in 3 years ... EU-Turkey relations than the speed of a tortoise walking slowly, even by a length of road could not get barley.
EU's "new negotiating topics can be opened by saying" let's not forget that continue to distract us again.
İflas
BİR süreden beri Türkiye’de gündemde olan uyanık bir uygulama, Amerika’da da kendini göstermeye başladı.
Ekonomik gidişatı bozulan ABD’liler; şimdilerde “kredi kartı uyanıklığı”na başvuruyor.
Aslında kanunen bu bir suç... Ama bu sahtecilikte; alan da, veren de memnun olduğu için sistem şimdilik yürüyor.
YukarIda ne demek istediğimizi biraz açalım...
Bilindiği üzere ABD’de büyük bir mortgage (konut kredisi) krizi yaşanıyor. Birçok aile, taksitlerini ödeyemediği için, evlerini kaybetti.
Bankalardan kredi bulmakta zorlanan Amerikalılar; kısa vadeli borçlarını döndürmek için küçük işletmelere akın etmeye başladı.
“Market” gibi küçük işletmeler; yapılan her sahte 100 dolarlık alışveriş karşılığı, kart sahibine 70 dolar nakit ödüyor.
Yani marketler birkaç dakika içinde; 30 dolar gibi büyük bir para kazanıyor.
Peki 100 dolarlık bir sahte alışveriş karşılığında 70 dolar alan kişi, bu parayı geri ödemiyor mu?
Normal de ödemesi gerek... Fakat ya parası yoksa veya ödemek istemiyorsa...
İşte o zaman kanunun tanıdığı başka yollar devreye giriyor.
Başlıkta da bahsettiğimiz “Bankruptcy”, yani Türkçe karşılığıyla “iflas...”
ABD kanunları kişilere, “bireysel bankruptcy” hakkı tanıyor.
Kişisel borçlarınızı, kredi kartlarınızı ödeyemiyorsanız veya ödemek istemiyorsanız, iflas yolunu seçebilirsiniz.
Bunun için de; 300-500 dolar arasında değişen bir fiyatla, sizlere bunu sağlayan “iflas avukatları”ndan bir tane bulmak yeterli...
Tabii ki bu kararın da avantajları ve dezavantajları var.
Avantajı; “iflas” başvurusu yaptıktan sonra, bir daha kimse “bu borcunu öde” diye sizi rahatsız etmiyor.
Ancak dezavantajları biraz fazla... Borçlarınıza sadık kalmadığınız için, krediniz veya güvenirliğiniz kayboluyor.
Bir kere 7 yıl boyunca; bu “kara liste”den çıkamıyorsunuz. Bu süre zarfında yeni bir kredi kartı daha alamıyorsunuz.
Taksitle alışveriş yapamıyorsunuz. Her ne alıyorsanız “nakit” ve “peşin” ödemek zorundasınız.
Mortgage krizi nedeniyle ABD’lilerin kredi kartı borcunun tam 900 milyar dolar kadar olduğu yönünde basında haberler çıkıyor.
Son dönemde; kredi kartından para çekip, müşteriye daha düşük miktarda nakit ödeme yoluyla 2 milyar dolar harcandığından bahsediliyor.
Hiçbir kimse; “kredi kartına çok borçlanıp, karşılığında az bir nakit alma” yolunu seçme gibi bir salaklık yapmayacağına göre, bu paranın ödenmeyeceği de belli.
Bu yolla borçlanan ABD’lilerin; önü-sonu kişisel iflaslarını (Bankruptcy) verecekleri kesin...
Liderlerin ‘vücut dili’
İKİ farklı ülkeden liderin bir araya gelmesi, her zaman ilgimi çekmiştir.
Çünkü buradaki “vücut dili”, lider ve ülkesiyle ilgili çok şeyi işaret eder.
Bu “vücut dili”, daha çok ABD başkanları ile diğer ülkelerin liderleri arasında mukayese edilir.
Bunun nedeni de herhalde ABD’nin zenginliği ve gücü olsa gerek!
Dünyanın her lideri; iktidarda bulunduğu süre içinde, hiç olmazsa en az bir kere, ABD başkanıyla bir araya gelmek ister. Bunun için de; tüm diplomatik ve politik kanalları devreye sokar.
Bunu yakalayan şanslı liderler (!) genellikle ABD’ye gider. Beyaz Saray’daki Oval Ofis’te ABD başkanlarıyla çekilmiş bir fotoğraf, o liderin ofisinde veya evindeki en özel ve güzel yeri süsler.
Amerİka’da veya başka bir yerde, ABD başkanıyla çekilen fotoğrafta da “duruş” çok önemlidir.
Burada da “aciz ve güçsüz” duruma düşmeme kuralı hep akıllardadır.
Peki gerçekten ABD karşısında otururken veya onunla birlikte yürürken, duruş çok mu önemlidir.
l Örneğin; Oval Ofis’te ABD Başkanı “bacak, bacak üstüne atınca”, “aciz” duruma düşmemek için karşısında oturan liderler de aynı tavrı takınırlar.
l Öğretmeni karşısında saygıyla oturan öğrenci gibi iki bacağını birleştirip, ellerini de dizlerinin üstüne koymak, liderin karizmasını yerle bir edebilir.
l ABD lideriyle birlikte, bahçede basının karşısına doğru yürürken de daha dik ve kararlı yürümek de kimileri için çok önemlidir.
l Parmaklarını birbirine geçirip, ellerini önden bağlamak ise, bir sıkıntı veya rahat olamamak ifadesi olarak görülür.
l Ya bir toplantıda ABD başkanıyla birkaç dakika da olsa karşılıklı konuşma sırasında; “diplomatik gol yeme” talihsizliğine ne demeli?
ABD başkanı, karşısındaki liderin onumuza elini atınca, kimileri bunu bir “samimiyet göstergesi” olarak algılar.
Kimileri de; güçlü Amerika’nın, karşısındakilere “Merak etmeyin, yanınızdayız” izlenimi verdiğini söyler.
Ancak amaç ne olursa olsun, ABD’li başkanlar bunu sıkça yapıyor.
Birçok dünya lideri gibi, bizim liderlerimiz de bu tür kaygıları taşırlar.
Yani ABD başkanları karşısında; “zayıf” veya “ezik” bir görüntü sergilememek için büyük özen gösterirler.
Çünkü böyle bir durumda; basının kendilerini tefe koyacağının bilincindedirler.
Haaa; bir de bizlerin üzerinden atamadığı bir “zaman” takıntısı var ki, o da ayrı bir kompleks olarak hep dikkatimi çekmiştir.
Örneğin; “ABD Başkanıyla, ön görülen görüşme 40 dakika olarak belirlenmişti. Ancak 93 dakika içeride kaldılar” türünden yazılara hep rastlarız.
Yani “içeride fazla kalmak, o ülkeye veya lidere verilen değeri gösteriyormuş” gibi algılanır.
ABD’de bunu çok iyi bildiği için, kararlaştırılan zamanın dışına çıkarak, bize verdiği değeri (!) hep gösterir.
AB’li liderlerin zamansız ziyareti
AB Komisyonu Başkanı Jose Manuel Barroso ve Genişlemeden Sorumlu Komiseri Olli Rehn, bugün Türkiye’ye geliyor.
Bu ziyaretin asıl amacının AKP’ye karşı açılmış olan kapatma davası konusunda, “iktidar partisine destek” olduğu, herkes tarafından bilinmekte.
Ancak yargıya intikal etmiş bir olay sırasında yapılan bu ziyaretin “şık” olmadığı da, birçok kişi tarafından kabul edilmektedir.
Çoğu kişi bunu “yargıya müdahale” olarak da görmektedir.
Barroso gelmeden önce yapmış olduğu bir konuşmada; “Türkiye, bünyesinde yer almak istediği konusunda Avrupa’yı ikna etmelidir. Türkiye, bütün kriterleri yerine getirirse AB üyesi olabilecektir” dedi.
Yani; “Türkiye ağzıyla kuş tutsa, AB’ye giremez” demek istiyor ama bunu alıştıra alıştıra ve diplomatik bir dille söylüyor.
Türkiye çok nazik ve kırılgan bir dönemden geçiyor.
Birtakım sorunlarımız olduğu muhakkak.
Ancak bunları dış baskılar veya müdahalelerle değil de, kendi çabalarımızla halletmeliyiz.
Barroso ile Rehn’in bu ortamda yapmış olduğu bu ziyaretin nasıl bir sonuç doğuracağını hep birlikte göreceğiz.
Bu ortamda Barroso’nun TBMM’de bir konuşma yapacak olması da ayrı bir olay.
Vereceği mesajların iktidar, muhalefet ve yargı tarafından farklı yönlere doğru çekileceği de muhakkak.
Bence TBMM’deki konuşmada, bu ortamda yersiz ve zamansız...
Barroso; Türkiye’nin hassas dönemini göz önüne alarak “tavşan ve havuç” taktiğini de elden bırakmıyor.
Ve Türkiye”nin AB üyelik müzakerelerinde yeni başlıkların açılması konusunu da gündeme getirecek. İki yeni müzakere başlığı daha açılabilirmiş.
2005 yılının Ekim ayında resmen başlatılan “Türkiye”nin AB müzakereleri”nde şimdiye kadar altı başlık açıldı.
Yani 3 yılda altı başlık... Kaplumbağa hızından daha yavaş yürüyen AB-Türkiye ilişkilerinde bir arpa boyu kadar bile yol alamadık.
AB’nin “Yeni müzakere başlıkları açılabilir” diyerek bizi yine oyalamaya devam ettiğini de unutmayalım.
Ekonomik gidişatı bozulan ABD’liler; şimdilerde “kredi kartı uyanıklığı”na başvuruyor.
Aslında kanunen bu bir suç... Ama bu sahtecilikte; alan da, veren de memnun olduğu için sistem şimdilik yürüyor.
YukarIda ne demek istediğimizi biraz açalım...
Bilindiği üzere ABD’de büyük bir mortgage (konut kredisi) krizi yaşanıyor. Birçok aile, taksitlerini ödeyemediği için, evlerini kaybetti.
Bankalardan kredi bulmakta zorlanan Amerikalılar; kısa vadeli borçlarını döndürmek için küçük işletmelere akın etmeye başladı.
“Market” gibi küçük işletmeler; yapılan her sahte 100 dolarlık alışveriş karşılığı, kart sahibine 70 dolar nakit ödüyor.
Yani marketler birkaç dakika içinde; 30 dolar gibi büyük bir para kazanıyor.
Peki 100 dolarlık bir sahte alışveriş karşılığında 70 dolar alan kişi, bu parayı geri ödemiyor mu?
Normal de ödemesi gerek... Fakat ya parası yoksa veya ödemek istemiyorsa...
İşte o zaman kanunun tanıdığı başka yollar devreye giriyor.
Başlıkta da bahsettiğimiz “Bankruptcy”, yani Türkçe karşılığıyla “iflas...”
ABD kanunları kişilere, “bireysel bankruptcy” hakkı tanıyor.
Kişisel borçlarınızı, kredi kartlarınızı ödeyemiyorsanız veya ödemek istemiyorsanız, iflas yolunu seçebilirsiniz.
Bunun için de; 300-500 dolar arasında değişen bir fiyatla, sizlere bunu sağlayan “iflas avukatları”ndan bir tane bulmak yeterli...
Tabii ki bu kararın da avantajları ve dezavantajları var.
Avantajı; “iflas” başvurusu yaptıktan sonra, bir daha kimse “bu borcunu öde” diye sizi rahatsız etmiyor.
Ancak dezavantajları biraz fazla... Borçlarınıza sadık kalmadığınız için, krediniz veya güvenirliğiniz kayboluyor.
Bir kere 7 yıl boyunca; bu “kara liste”den çıkamıyorsunuz. Bu süre zarfında yeni bir kredi kartı daha alamıyorsunuz.
Taksitle alışveriş yapamıyorsunuz. Her ne alıyorsanız “nakit” ve “peşin” ödemek zorundasınız.
Mortgage krizi nedeniyle ABD’lilerin kredi kartı borcunun tam 900 milyar dolar kadar olduğu yönünde basında haberler çıkıyor.
Son dönemde; kredi kartından para çekip, müşteriye daha düşük miktarda nakit ödeme yoluyla 2 milyar dolar harcandığından bahsediliyor.
Hiçbir kimse; “kredi kartına çok borçlanıp, karşılığında az bir nakit alma” yolunu seçme gibi bir salaklık yapmayacağına göre, bu paranın ödenmeyeceği de belli.
Bu yolla borçlanan ABD’lilerin; önü-sonu kişisel iflaslarını (Bankruptcy) verecekleri kesin...
Liderlerin ‘vücut dili’
İKİ farklı ülkeden liderin bir araya gelmesi, her zaman ilgimi çekmiştir.
Çünkü buradaki “vücut dili”, lider ve ülkesiyle ilgili çok şeyi işaret eder.
Bu “vücut dili”, daha çok ABD başkanları ile diğer ülkelerin liderleri arasında mukayese edilir.
Bunun nedeni de herhalde ABD’nin zenginliği ve gücü olsa gerek!
Dünyanın her lideri; iktidarda bulunduğu süre içinde, hiç olmazsa en az bir kere, ABD başkanıyla bir araya gelmek ister. Bunun için de; tüm diplomatik ve politik kanalları devreye sokar.
Bunu yakalayan şanslı liderler (!) genellikle ABD’ye gider. Beyaz Saray’daki Oval Ofis’te ABD başkanlarıyla çekilmiş bir fotoğraf, o liderin ofisinde veya evindeki en özel ve güzel yeri süsler.
Amerİka’da veya başka bir yerde, ABD başkanıyla çekilen fotoğrafta da “duruş” çok önemlidir.
Burada da “aciz ve güçsüz” duruma düşmeme kuralı hep akıllardadır.
Peki gerçekten ABD karşısında otururken veya onunla birlikte yürürken, duruş çok mu önemlidir.
l Örneğin; Oval Ofis’te ABD Başkanı “bacak, bacak üstüne atınca”, “aciz” duruma düşmemek için karşısında oturan liderler de aynı tavrı takınırlar.
l Öğretmeni karşısında saygıyla oturan öğrenci gibi iki bacağını birleştirip, ellerini de dizlerinin üstüne koymak, liderin karizmasını yerle bir edebilir.
l ABD lideriyle birlikte, bahçede basının karşısına doğru yürürken de daha dik ve kararlı yürümek de kimileri için çok önemlidir.
l Parmaklarını birbirine geçirip, ellerini önden bağlamak ise, bir sıkıntı veya rahat olamamak ifadesi olarak görülür.
l Ya bir toplantıda ABD başkanıyla birkaç dakika da olsa karşılıklı konuşma sırasında; “diplomatik gol yeme” talihsizliğine ne demeli?
ABD başkanı, karşısındaki liderin onumuza elini atınca, kimileri bunu bir “samimiyet göstergesi” olarak algılar.
Kimileri de; güçlü Amerika’nın, karşısındakilere “Merak etmeyin, yanınızdayız” izlenimi verdiğini söyler.
Ancak amaç ne olursa olsun, ABD’li başkanlar bunu sıkça yapıyor.
Birçok dünya lideri gibi, bizim liderlerimiz de bu tür kaygıları taşırlar.
Yani ABD başkanları karşısında; “zayıf” veya “ezik” bir görüntü sergilememek için büyük özen gösterirler.
Çünkü böyle bir durumda; basının kendilerini tefe koyacağının bilincindedirler.
Haaa; bir de bizlerin üzerinden atamadığı bir “zaman” takıntısı var ki, o da ayrı bir kompleks olarak hep dikkatimi çekmiştir.
Örneğin; “ABD Başkanıyla, ön görülen görüşme 40 dakika olarak belirlenmişti. Ancak 93 dakika içeride kaldılar” türünden yazılara hep rastlarız.
Yani “içeride fazla kalmak, o ülkeye veya lidere verilen değeri gösteriyormuş” gibi algılanır.
ABD’de bunu çok iyi bildiği için, kararlaştırılan zamanın dışına çıkarak, bize verdiği değeri (!) hep gösterir.
AB’li liderlerin zamansız ziyareti
AB Komisyonu Başkanı Jose Manuel Barroso ve Genişlemeden Sorumlu Komiseri Olli Rehn, bugün Türkiye’ye geliyor.
Bu ziyaretin asıl amacının AKP’ye karşı açılmış olan kapatma davası konusunda, “iktidar partisine destek” olduğu, herkes tarafından bilinmekte.
Ancak yargıya intikal etmiş bir olay sırasında yapılan bu ziyaretin “şık” olmadığı da, birçok kişi tarafından kabul edilmektedir.
Çoğu kişi bunu “yargıya müdahale” olarak da görmektedir.
Barroso gelmeden önce yapmış olduğu bir konuşmada; “Türkiye, bünyesinde yer almak istediği konusunda Avrupa’yı ikna etmelidir. Türkiye, bütün kriterleri yerine getirirse AB üyesi olabilecektir” dedi.
Yani; “Türkiye ağzıyla kuş tutsa, AB’ye giremez” demek istiyor ama bunu alıştıra alıştıra ve diplomatik bir dille söylüyor.
Türkiye çok nazik ve kırılgan bir dönemden geçiyor.
Birtakım sorunlarımız olduğu muhakkak.
Ancak bunları dış baskılar veya müdahalelerle değil de, kendi çabalarımızla halletmeliyiz.
Barroso ile Rehn’in bu ortamda yapmış olduğu bu ziyaretin nasıl bir sonuç doğuracağını hep birlikte göreceğiz.
Bu ortamda Barroso’nun TBMM’de bir konuşma yapacak olması da ayrı bir olay.
Vereceği mesajların iktidar, muhalefet ve yargı tarafından farklı yönlere doğru çekileceği de muhakkak.
Bence TBMM’deki konuşmada, bu ortamda yersiz ve zamansız...
Barroso; Türkiye’nin hassas dönemini göz önüne alarak “tavşan ve havuç” taktiğini de elden bırakmıyor.
Ve Türkiye”nin AB üyelik müzakerelerinde yeni başlıkların açılması konusunu da gündeme getirecek. İki yeni müzakere başlığı daha açılabilirmiş.
2005 yılının Ekim ayında resmen başlatılan “Türkiye”nin AB müzakereleri”nde şimdiye kadar altı başlık açıldı.
Yani 3 yılda altı başlık... Kaplumbağa hızından daha yavaş yürüyen AB-Türkiye ilişkilerinde bir arpa boyu kadar bile yol alamadık.
AB’nin “Yeni müzakere başlıkları açılabilir” diyerek bizi yine oyalamaya devam ettiğini de unutmayalım.
Bankruptcy Basics Process
Article I, Section 8, of the United States Constitution authorizes Congress to enact "uniform Laws on the subject of Bankruptcies." Under this grant of authority, Congress enacted the "Bankruptcy Code" in 1978. The Bankruptcy Code, which is codified as title 11 of the United States Code, has been amended several times since its enactment. It is the uniform federal law that governs all bankruptcy cases.
The procedural aspects of the bankruptcy process are governed by the Federal Rules of Bankruptcy Procedure (often called the "Bankruptcy Rules") and local rules of each bankruptcy court. The Bankruptcy Rules contain a set of official forms for use in bankruptcy cases. The Bankruptcy Code and Bankruptcy Rules (and local rules) set forth the formal legal procedures for dealing with the debt problems of individuals and businesses.
There is a bankruptcy court for each judicial district in the country. Each state has one or more districts. There are 90 bankruptcy districts across the country. The bankruptcy courts generally have their own clerk's offices.
The court official with decision-making power over federal bankruptcy cases is the United States bankruptcy judge, a judicial officer of the United States district court. The bankruptcy judge may decide any matter connected with a bankruptcy case, such as eligibility to file or whether a debtor should receive a discharge of debts. Much of the bankruptcy process is administrative, however, and is conducted away from the courthouse. In cases under chapters 7, 12, or 13, and sometimes in chapter 11 cases, this administrative process is carried out by a trustee who is appointed to oversee the case.
A debtor's involvement with the bankruptcy judge is usually very limited. A typical chapter 7 debtor will not appear in court and will not see the bankruptcy judge unless an objection is raised in the case. A chapter 13 debtor may only have to appear before the bankruptcy judge at a plan confirmation hearing. Usually, the only formal proceeding at which a debtor must appear is the meeting of creditors, which is usually held at the offices of the U.S. trustee. This meeting is informally called a "341 meeting" because section 341 of the Bankruptcy Code requires that the debtor attend this meeting so that creditors can question the debtor about debts and property.
A fundamental goal of the federal bankruptcy laws enacted by Congress is to give debtors a financial "fresh start" from burdensome debts. The Supreme Court made this point about the purpose of the bankruptcy law in a 1934 decision:
[I]t gives to the honest but unfortunate debtor…a new opportunity in life and a clear field for future effort, unhampered by the pressure and discouragement of preexisting debt.
Local Loan Co. v. Hunt, 292 U.S. 234, 244 (1934). This goal is accomplished through the bankruptcy discharge, which releases debtors from personal liability from specific debts and prohibits creditors from ever taking any action against the debtor to collect those debts. This publication describes the bankruptcy discharge in a question and answer format, discussing the timing of the discharge, the scope of the discharge (what debts are discharged and what debts are not discharged), objections to discharge, and revocation of the discharge. It also describes what a debtor can do if a creditor attempts to collect a discharged debt after the bankruptcy case is concluded.
Six basic types of bankruptcy cases are provided for under the Bankruptcy Code, each of which is discussed in this publication. The cases are traditionally given the names of the chapters that describe them.
Chapter 7, entitled Liquidation, contemplates an orderly, court-supervised procedure by which a trustee takes over the assets of the debtor's estate, reduces them to cash, and makes distributions to creditors, subject to the debtor's right to retain certain exempt property and the rights of secured creditors. Because there is usually little or no nonexempt property in most chapter 7 cases, there may not be an actual liquidation of the debtor's assets. These cases are called "no-asset cases." A creditor holding an unsecured claim will get a distribution from the bankruptcy estate only if the case is an asset case and the creditor files a proof of claim with the bankruptcy court. In most chapter 7 cases, if the debtor is an individual, he or she receives a discharge that releases him or her from personal liability for certain dischargeable debts. The debtor normally receives a discharge just a few months after the petition is filed. Amendments to the Bankruptcy Code enacted in to the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 require the application of a "means test" to determine whether individual consumer debtors qualify for relief under chapter 7. If such a debtor's income is in excess of certain thresholds, the debtor may not be eligible for chapter 7 relief.
Chapter 9, entitled Adjustment of Debts of a Municipality, provides essentially for reorganization, much like a reorganization under chapter 11. Only a "municipality" may file under chapter 9, which includes cities and towns, as well as villages, counties, taxing districts, municipal utilities, and school districts.
Chapter 11, entitled Reorganization, ordinarily is used by commercial enterprises that desire to continue operating a business and repay creditors concurrently through a court-approved plan of reorganization. The chapter 11 debtor usually has the exclusive right to file a plan of reorganization for the first 120 days after it files the case and must provide creditors with a disclosure statement containing information adequate to enable creditors to evaluate the plan. The court ultimately approves (confirms) or disapproves the plan of reorganization. Under the confirmed plan, the debtor can reduce its debts by repaying a portion of its obligations and discharging others. The debtor can also terminate burdensome contracts and leases, recover assets, and rescale its operations in order to return to profitability. Under chapter 11, the debtor normally goes through a period of consolidation and emerges with a reduced debt load and a reorganized business.
Chapter 12, entitled Adjustment of Debts of a Family Farmer or Fisherman with Regular Annual Income, provides debt relief to family farmers and fishermen with regular income. The process under chapter 12 is very similar to that of chapter 13, under which the debtor proposes a plan to repay debts over a period of time – no more than three years unless the court approves a longer period, not exceeding five years. There is also a trustee in every chapter 12 case whose duties are very similar to those of a chapter 13 trustee. The chapter 12 trustee's disbursement of payments to creditors under a confirmed plan parallels the procedure under chapter 13. Chapter 12 allows a family farmer or fisherman to continue to operate the business while the plan is being carried out.
Chapter 13, entitled Adjustment of Debts of an Individual With Regular Income, is designed for an individual debtor who has a regular source of income. Chapter 13 is often preferable to chapter 7 because it enables the debtor to keep a valuable asset, such as a house, and because it allows the debtor to propose a "plan" to repay creditors over time – usually three to five years. Chapter 13 is also used by consumer debtors who do not qualify for chapter 7 relief under the means test. At a confirmation hearing, the court either approves or disapproves the debtor's repayment plan, depending on whether it meets the Bankruptcy Code's requirements for confirmation. Chapter 13 is very different from chapter 7 since the chapter 13 debtor usually remains in possession of the property of the estate and makes payments to creditors, through the trustee, based on the debtor's anticipated income over the life of the plan. Unlike chapter 7, the debtor does not receive an immediate discharge of debts. The debtor must complete the payments required under the plan before the discharge is received. The debtor is protected from lawsuits, garnishments, and other creditor actions while the plan is in effect. The discharge is also somewhat broader (i.e., more debts are eliminated) under chapter 13 than the discharge under chapter 7.
The purpose of Chapter 15, entitled Ancillary and Other Cross-Border Cases, is to provide an effective mechanism for dealing with cases of cross-border insolvency. This publication discusses the applicability of Chapter 15 where a debtor or its property is subject to the laws of the United States and one or more foreign countries.
In addition to the basic types of bankruptcy cases, Bankruptcy Basics provides an overview of the Servicemembers' Civil Relief Act, which, among other things, provides protection to members of the military against the entry of default judgments and gives the court the ability to stay proceedings against military debtors.
This publication also contains a description of liquidation proceedings under the Securities Investor Protection Act ("SIPA"). Although the Bankruptcy Code provides for a stockbroker liquidation proceeding, it is far more likely that a failing brokerage firm will find itself involved in a SIPA proceeding. The purpose of SIPA is to return to investors securities and cash left with failed brokerages. Since being established by Congress in 1970, the Securities Investor Protection Corporation has protected investors who deposit stocks and bonds with brokerage firms by ensuring that every customer's property is protected, up to $500,000 per customer.
The bankruptcy process is complex and relies on legal concepts like the "automatic stay," "discharge," "exemptions," and "assume." Therefore, the final chapter of this publication is a glossary of Bankruptcy Terminology which explains, in layman's terms, most of the legal concepts that apply in cases filed under the Bankruptcy Code.
Fraud
Bankruptcy fraud is a white-collar crime. While difficult to generalise across jurisdictions, common criminal acts under bankruptcy statutes typically involve concealment of assets, concealment or destruction of documents, conflicts of interest, fraudulent claims, false statements or declarations, and fee fixing or redistribution arrangements. Falsifications on bankruptcy forms often constitute perjury. Multiple filings are not in and of themselves criminal, but they may violate provisions of bankruptcy law. In the U.S., bankruptcy fraud statutes are particularly focused on the mental state of particular actions.[7][8] Bankruptcy fraud is a federal crime in the United States.
Bankruptcy fraud should be distinguished from strategic bankruptcy, which is not a criminal act, but may work against the filer.
All assets must be disclosed in bankruptcy schedules whether or not the debtor believes the asset has a net value. This is because once a bankruptcy petition is filed, it is for the creditors, not the debtor to decide whether a particular asset has value. The future ramifications of omitting assets from schedules can be quite serious for the offending debtor. A closed bankruptcy may be reopened by motion of a creditor or the U.S. trustee if a debtor attempts to later assert ownership of such an "unscheduled asset" after being discharged of all debt in the bankruptcy. The trustee may then seize the asset and liquidate it for the benefit of the (formerly discharged) creditors. Whether or not a concealment of such an asset should also be considered for prosecution as fraud and/or perjury would then be at the discretion of the judge and/or U.S. Trustee.
Modern law and debt restructuring
The principal focus of modern insolvency legislation and business debt restructuring practices no longer rests on the elimination of insolvent entities but on the remodeling of the financial and organisational structure of debtors experiencing financial distress so as to permit the rehabilitation and continuation of their business.
For private households, it is argued to be insufficient to merely dismiss debts after a certain period. It is important to assess the underlying problems and to minimise the risk of financial distress to re-occur. It has been stressed that debt advice, a supervised rehabilitation period, financial education and social help to find sources of income and to manage household expenditures better need to be equally provided during this period of rehabilitation (Reifner et al., 2003; Gerhardt, 2009; Frade, 2010). In most EU Member States, debt discharge is conditioned by a partial payment obligation and by a number of requirements concerning the debtor’s behavior. In the United States (US), discharge is conditioned to a lesser extent. Nevertheless, it should be noted that the spectrum is broad in the EU, with the UK coming closest to the US system (Reifner et al., 2003; Gerhardt, 2009; Frade, 2010). Other Member States do not provide the option of a debt discharge. Spain, for example, passed a bankruptcy law (ley concursal) in 2003 which provides for debt settlement plans that can result in a reduction of the debt (maximally half of the amount) or an extension of the payment period of maximally five years (Gerhardt, 2009); nevertheless, it does not foresee debt discharge.[6]
Bankruptcy History
In Ancient Greece, bankruptcy did not exist. If a man owed and he could not pay, he and his wife, children or servants were forced into "debt slavery", until the creditor recouped losses via their physical labour. Many city-states in ancient Greece limited debt slavery to a period of five years and debt slaves had protection of life and limb, which regular slaves did not enjoy. However, servants of the debtor could be retained beyond that deadline by the creditor and were often forced to serve their new lord for a lifetime, usually under significantly harsher conditions.
In the Torah, or Old Testament, every seventh year is decreed by Mosaic Law as a Sabbatical year wherein the release of all debts that are owed by members of the community is mandated, but not of "foreigners".[2] The seventh Sabbatical year, or forty-ninth year, is then followed by another Sabbatical year known as the Year of Jubilee wherein the release of all debts is mandated, for fellow community members and foreigners alike, and the release of all debt-slaves is also mandated.[3] The Year of Jubilee is announced in advance on the Day of Atonement, or the tenth day of the seventh Biblical month, in the forty-ninth year by the blowing of trumpets throughout the land of Israel.
In Islamic teaching, according to the Qur'an, an insolvent person was deemed to be allowed time to be able to pay out his debt. This is recorded in the Qur'an's second chapter (Sura Al-Baqara), Verse 280, which notes: "And if someone is in hardship, then let there be postponement until a time of ease. But if you give from your right as charity, then it is better for you, if you only knew."
The Statute of Bankrupts of 1542 was the first statute under English law dealing with bankruptcy or insolvency.[4] Bankruptcy is also documented in East Asia. According to al-Maqrizi, the Yassa of Genghis Khan contained a provision that mandated the death penalty for anyone who became bankrupt three times.
A failure of a nation to meet bond repayments has been seen on many occasions. Philip II of Spain had to declare four state bankruptcies in 1557, 1560, 1575 and 1596. According to Kenneth S. Rogoff, "Although the development of international capital markets was quite limited prior to 1800, we nevertheless catalog the numerous defaults of France, Portugal, Prussia, Spain, and the early Italian city-states. At the edge of Europe, Egypt, Russia, and Turkey have histories of chronic default as well."[5]
Bankruptcy
Bankruptcy or insolvency is a legal status of a person or an organisation that cannot repay the debts it owes to its creditors. Creditors may file a bankruptcy petition against a business or corporate debtor ("involuntary bankruptcy") in an effort to recoup a portion of what they are owed or initiate a restructuring. In the majority of cases, however, bankruptcy is initiated by the debtor (a "voluntary bankruptcy" that is filed by the insolvent individual or organisation). An involuntary bankruptcy petition may not be filed against an individual consumer debtor who is not engaged in business.
The word bankruptcy is formed from the ancient Latin bancus (a bench or table), and ruptus (broken). A "bank" originally referred to a bench, which the first bankers had in the public places, in markets, fairs, etc. on which they tolled their money, wrote their bills of exchange, etc. Hence, when a banker failed, he broke his bank, to advertise to the public that the person to whom the bank belonged was no longer in a condition to continue his business. As this practice was very frequent in Italy, it is said the term bankrupt is derived from the Italian banca rotta, broken bank (see e.g. Ponte Vecchio).[1]
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