Word: crediteers
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...their steak order as medium instead of medium rare. I controlled the reservation system, so if you were a bad tipper or had mistreated me, I would seat you next to the men's room. My all-time favorite move was to tell people that their credit card was experiencing difficulties. A lot of people in this area are very status-conscious, so when all their friends hear their card has been declined, they kind of freak out. All passive-aggressive stuff. It's a deterrent...
Waiters prefer cash. People think that's so the IRS doesn't know, but that's not true. We always get to take cash tips home. You may get credit-card tips in a check a week later, or two weeks later, but cash, you take home. I always like a good mix of credit card and cash. If it's $1.75, just give me $2. Round it up. Don't dump your pennies on the table. That drives us bananas. You should ask for the check, and then pay within five minutes of receiving it. If you order takeout...
...Right now, it's a familiar place to many of Britain's banks. On August 7, rival Barclays added $5.4 billion to the enormous sums British lenders have written off amid the credit crisis; London-based HSBC, Europe's largest bank, made a similar contribution a few days earlier. For banks across Europe, as for their U.S. counterparts, 2008 is proving painfully difficult. Globally, banks could write down as much as $450 billion more over the next three to four years, according to research from Deutsche Bank. Lenders, it says, are short of funds equivalent to 4% of their balance...
...provide income stability. For instance, sickness or drought can dramatically disrupt the work cycle of people living on less than a dollar a day, and microcredit can provide a respite, allowing people time to regain their health or weather climate fluctuations without starving. At this moment, access to credit is the most important boon of microfinance, regardless of whether the interest rate is high or low. Change is occurring. Interest rates have been falling with competition innovation in the industry. The Kiva organization allows people in countries such as the United States to lend money to certain banks in developing...
Sure, solar panels are a hefty investment, and credit markets are tightening up. But with carbon caps looming on the horizon and power supplies running short, customers like John Stubblebine of Cupertino, Calif., can insulate themselves from future electricity shocks. A technology consultant, he financed a $35,000 system with a 15-year lease from SolarCity. "If the worst forecasts are true, I'll come out a big winner," he says...