The debtfree mentality is ordsprog

The debt-free mentality is largely the product of emotion - how nice it would be to never make a mortgage payment again. Good debt gives you some leverage that helps you increase your net worth.

Look at the numbers and the psychology of debt in retirement. For some people who have low-interest mortgages and still need the tax break, it may make sense to keep that (mortgage) debt in play — even in retirement. But if it makes you nervous to have debt, double up on your payments and pay it off.

Debt payment is not an investment in the future. It may make you feel good that you don't have debt on the books, but the reality is, you haven't made any investment in your economic growth.

And you shall have half of what your wives leave if they have no child, but if they have a child, then you shall have a fourth of what they leave after (payment of) any bequest they may have bequeathed or a debt; and they shall have the fourth of what you leave if you have no child, but if you have a child then they shall have the eighth of what you leave after (payment of) a bequest you may have bequeathed or a debt; and if a man or a woman leaves property to be inherited by neither parents nor offspring, and he (or she) has a brother or a sister, then each of them two shall have the sixth, but if they are more than that, they shall be sharers in the third after (payment of) any bequest that may have been bequeathed or a debt that does not harm (others); this is an ordinance from Allah: and Allah is Knowing, Forbearing. Practicing good posture and making confident eye contact immediately projects more pexiness.

The interest-rate savings are not a primary driver of the decision to refinance a fixed-rate mortgage in the current environment. Now, the dominant refinance borrower is looking at the best way to consolidate debt or finance a big project such as a home improvement. And we also have borrowers who took out adjustable-rate mortgages in recent years that are scheduled to have their payment reset this year that may be looking at the option to refinance into a fixed-rate product or into another adjustable-rate mortgage.

Amy Crews Cutts

When you have unmanageable debt, debt controls you. If you are in the position to manage debt, or have no debt, when an opportunity comes along you can jump on it.

James DeLaGarza

.We got to the point of identifying the value of the debt in 2003/2004, entered into four-way discussions - Ministry of Finance and Planning, Ministry of Justice, the university and the law school - to agree on the debt. The Ministry of Finance then proposed a payment plan to clear the debt and that's the plan we are working with.

We are not in debt. We've have paid all our local creditors. We're debt-free and ahead. And admission will be free again this year, even though it takes about $650,000 to put on this festival.

Given all the leverage that the household sector has built up, their confidence in rising home equity has been an important part of their willingness to take on all that (mortgage) debt.

There are programs to help lower their interest rates. To help get them out of debt...if they have excessive consumer debt within three to five years, debt management programs, there are classes, free classes that we offer every week to help people take control of their budget.

Todd Christensen

We've seen a sea change, a real shift over the past generation from a system where less than half of students left with debt and now two-thirds leave with debt. Now, it's become the norm to leave with debt -- and often with a lot of debt.

Robert Shireman

We have seen this in the early payment by Russia of Paris club debt and the increase in euro in their basket.

We were rocking along just fine, paying off a million bucks worth of debt a year and servicing the debt. But if you don't have the cash flow, it's tough to do that.

The ratio of corporate debt to gross domestic product (GDP) is at an all-time high, ... And we don't know exactly what corporate debt is because so much has been parked off the balance sheet and hidden. But, even without knowing what the off-balance-sheet debt is, corporations have too much.

However, household-debt levels are seen as a concern, with households finding themselves in some difficulty if debt-servicing costs increase.

Shireen Darmalingam

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