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         Julie,louboutin, a 20 year old full time college student, married Bert, a 24 year old medical clerk. On the day she signed their marriage license, her credit report score began to worsen.
Julie knew Bert had been previously married, and though that marriage had lasted only two years, it was long enough to spread a bad credit virus onto her and Bert's joint credit report score.
Bert's ex-spouse, Camille, already had delinquent credit before she married Bert. And, she had continued being delinquent during her marriage to Bert and after the divorce. Unbeknownst to Bert, Camille's bad credit had passed onto him when he married her,christian louboutin, and then passed on to his new bride, Julie.
Why? Because when couples marry,supra shoes, assets; as well as debts, become joint. Unfortunately, divorce does not nullify financial obligations, even if a judge specifies in a divorce decree which spouse is responsible for re-paying which bills.
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They got an idea. They would balance transfer Julie's credit card and Bert's credit card to a new credit card that offered 0 interest balance transfers for the first six months. Unfortunately, since their credit score was bad due to excessive debt-to-income ratio and late payments, they were rejected by the card issuer.
Bert refinanced his car to lower the monthly payment. Since his credit was bad, he had to extend the term (repayment duration) of the loan an additional two years and at a higher interest rate than the original loan,doudoune moncler, but he was able to get $1,doudoune moncler,000 in equity. He and Julie used the $1,000 to catch up on their bill payments.
Six months later, now that they had caught up on their payments which also lowered their overall debt-to-income, they reapplied for the 0 intro balance transfer credit card and were accepted. They transferred their credit cards to the 0 intro card.
Three months later, they received a letter from the new card issuer that stated their 0 interest period had been terminated. Why? Because Julie and Bert had mailed an auto loan payment a few days late. The late payment was reported by the auto lender to a credit reporting agency which lowered their credit score. The new card issuer's terms required Bert and Julie to maintain (or improve) their credit score by making all payments (not just payments on the card) on time. In addition to terminating the 0 interest period,louboutin pas cher, the issuer also increased their APR rate.
Other than ordering credit reports before marriage, what could Bert and Julie have done differently to avoid the bad credit virus?
Before divorcing Camille, Bert should have made sure all debts assigned to her would be repaid, and repaid on time. Obviously, the only sure way to have done this would have been for Bert to make the payments himself. He could have refinanced his auto after divorcing Camille, used the equity to payoff her debts,oncler, and then have her repay him. He should have also ensured that all joint accounts with Camille had been closed to prevent additional charges.
Julie should have continued her full time student status; not only to improve her career opportunities, but also to delay the student loan repayment requirement.
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Marriage and joint debts can indeed spread bad credit like a virus. Don't rely upon a divorce decree to separate you from bad credit.
 
          Article by Toni Phelps of Credit Federal where you can find more credit information and resources.
 
         
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The Pentagon is also seeking 88 billion dollars for combat operations, primarily in Afghanistan, making the total defense budget at 614 billion dollars for next fiscal year.

Most of the 30 children at the Agape Orphanage in a rural area of South Africa have lost their parents to AIDS. They sing in a choir to raise their spirits, and to raise money for the orphanage. Paul Taylor was on a break from film school in Britain when he volunteered at the orphanage in 2003.
 
Slindile Moya wants to become a nurse, and says she will always sing,louboutin, too. We Are Together recently won a special jury prize and the audience award at the Tribeca Film Festival in New York. The $25,000 from the prize will go towards expanding the Agape Orphanage so that it can serve more children.
 
"The reason we made the film was to engage people with these issues and what was happening in South Africa,louboutin,” says the director. “But we knew the way to do that was to focus on this bunch of children, because people can have such an emotional connection with the children. They can make this issue much more engaging and real to people,moncler, because of their humanity. And we were so fortunate that we found an incredible bunch of children, and that the Moya family was so welcoming to us and really allowed us into their lives."
 
Slindile is the main character in the documentary – and credited as co-writer with director Paul Taylor. She was nine years old when she and her four younger siblings went to Agape, where the older children joined the choir.
Like the other children in the documentary, Slindile Moya calls her "Grandma."  "I didn't know her,” she says. “I heard about her when my mother passed away, and my sisters didn't have money to send us to school. So my father took us to that place and we met her."
 
 
 Zwai Bala Music director Zwai Bala spoke to the filmmakers about what singing means to the children. In the film he says,louboutin pas cher, "Music plays a very big part in the culture of this country. We South Africans sing before we sleep, sing before we eat, we sing when we're happy, we sing when we're celebrating, we sing when we're sad – all the time."
 
We Are Together (Thina Simunye) is an award-winning documentary about the children of Agape Orphanage, in the South African province of KwaZulu-Natal.  It is the first film by a 25-year-old director from Britain who says he scraped together the money to shoot the film over a three-year period. VOA's Carolyn Weaver has more.
 
 
"The number of orphans here is a big,sac louis vuitton, big problem. It's increasing every day,louboutin pas cher," says Zodwa Mqadi,abercrombie and fitch, a former AIDS counselor, in the documentary film. She founded Agape because she was touched by the worries of dying parents over who would care for their children.
During the three years of filming We Are Together,louis vuitton, Slindile Moya's older brother Sifiso also died of AIDS, because the family could not afford his drug treatment. Director Paul Taylor says he hopes his film will reach viewers around the world, and build support for policies to stem the tide of deaths from AIDS in poor countries.
By Carolyn Weaver
New York City
21 May 2007
 
 
"I spent three months there with the children without any intentions of making a film,” explains Taylor. “ met these incredible children who had an incredible choir,abercrombie, as well. And when I returned to England, I kind of was looking for an excuse to go back to spend more time with the children, and also thought it would be a great idea to make a film with them, because they have such incredible personalities,louis vuitton soldes, they'd be great ambassadors to tell a story like this."
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　　设计者
　　你认为哪些立交桥存在设计不合理导致拥堵？哪些立交桥让你多走了冤枉路？你对北京的立交桥有哪些意见和建议？即日起，读者可联系本报，“举报”你认为存在问题的某座立交桥。
 
 
　　市民张女士认为，李旭的设计如果运用在这里，从两广路到国贸，无论哪个方向都没红绿灯，左转将非常便捷，通过立交桥上的多个出入口将车流量分散，速度也不会降低太多，堵点自然会消失。
 
　　目前，李旭已递交资料，给“微型立交桥”申请专利。
　　本版采写/本报记者 朱开云 新京报制图/郭宇
　　李旭：父亲2007年到北京做生意，因堵车失去了一个大单生意。那时北京已经开始堵车，父亲认为北京许多立交桥设计不好，比如西直门立交桥太复杂。我设计“微型立交桥”得到父亲的大力支持。父亲对制图感兴趣，有些工作是他完成的。
 
 
 
 
 
　　面对日益严峻的交通拥堵，交通专业大学生李旭用两年时间设计“微型立交桥”，在他的设计中，十字路口不停车，还能节省空间。该设计引发网友热议。一些网友认为，该方案有利于解决北京交通拥堵。李旭也表示其方案适合北京。但有专家指出，如果采用，只会加剧拥堵,supra footwear。“微型立交桥”也引发人们对北京现有立交桥的关注，部分市民列举一些立交桥存在设计问题导致堵车。
　　在双井桥西，从国贸桥方向往南，如果前往两广路，需要在未上双井桥的时候驶出主路，但驶出主路的车辆与辅路车辆、自行车、行人交织，而边上也是公交车站、地铁站，巨大的人流和车流混杂，又形成一个堵点。附近报刊亭的老板称，早晚高峰期经常水泄不通，几乎每天都发生剐蹭，200米的路甚至开车要等半小时。
　　郑学信认为，传统立交桥设计的最大问题在于车流交织和人车混杂。双井桥的堵点也是这样形成的。车流交织的地方，道路通行能力打折。另外，机动车和自行车走平行车道，转弯时人车混杂，会出现车流交织现象，造成混乱。李旭的设计没有针对上述问题的措施。
　　李旭：设计图在运用时并不是一成不变的，而是根据实际情况，包括交通流量等因地制宜。专家的意见给我很大帮助，比如视距盲点、人车交织等问题，都是以前考虑不周的地方。
　　立交桥周围遍布多个堵点
 
　　22岁的河南小伙李旭用两年时间设计“微型立交桥”并申请专利。他认为自己的方案优于传统立交桥，可缓解北京交通拥堵。前日，本报记者对话李旭。
 
 
 
 
　　新京报：许多网友批评你的“微型立交桥”没有考虑行人，是“硬伤”，怎么解决人车交流以及行人过马路的问题？
 
 
　　对于该方案是否适用于北京，设计者李旭表示乐观,abercrombie。他说，该方案特别适合北京，因为北京的交叉路口多，且道路比较宽，四平八稳。
　　本报讯 近日，“微型立交桥”设计图现身网上，引来众多网友发问。“北京的立交桥能不能用这种设计？”“这个方案没有红绿灯，所有车辆都可以直行、转向、掉头。”
　　父亲堵车丢生意激发设计灵感
　　马林称，这个设计没考虑到车流问题，按照这个方案，车在转弯时速度必然降低，对于北京这样交通流量巨大的城市，速度一旦降低，就会使拥堵更严峻。而且该方案坡度较大，遇到雨雪天,supra shoes，行车更难。此外,moncler，该方案在视距上存在盲点，立交四条上、下左转车道与掉头车道之间的距离较小，转弯半径、桥下净空高度不足，整体指标较低，容易造成行车视线干扰，易引发事故。
 
 
 
　　网友Amy0311认为，现有的立交桥，比如北太平庄桥，主线直行无红绿灯，转向车辆需要等灯。“微型立交桥”的设计能解决这个问题。
 
　　此外，从双井桥下向东到广渠路与西大望路的十字路口，这段仅3公里的路上，共设置4处信号灯，导致车速减缓，车流排队,franklin marshall。
　　自从1974年第一座立交桥复兴门桥建成开始，北京目前已有近200座立交桥，但难以缓解拥堵日益严峻的交通。多位市民认为，一些立交桥形式大于实用,louboutin，设计越来越复杂，使通行受限,louboutin pas cher。也有市民认为，立交桥反而形成了堵点。
　　该设计图一出，引发网友对北京现有立交桥的挑刺。网友Ttyin说，北辰立交桥缺少由北向东衔接北四环东向的引桥。北三环与北四环的万泉河桥，缺少万泉河桥由南向西连接北四环西行的引桥，造成西行北四环的车辆不得不到颐和园路立交桥下掉头绕行。还有网友指出，许多干道与五环衔接处的立交桥，或无法驶出五环，或无法进五环。网友们表示，上述问题导致立交桥周边拥堵。
　　李旭：这的确是一个缺陷，也考虑过这个问题，或许可以通过架设天桥或地下通道解决。
　　【现场】
 
 
　　前日，住建部城市交通工程技术中心副主任马林称，大学生设计方案精神可嘉。但“微型立交桥”不具有可行性，更不适合于北京。如果采用，北京将更拥堵。
　　请读者建言立交桥治堵
大学生设计微型立交 制图/杨芳芳
 
　　■ 对话
 
 
 
 
 
 
 
 
 
　　【点评】
　　设计者李旭认为，“微型立交桥”适用于北京。部分市民提议其运用该方案来“诊断”双井桥等堵点,franklin et marshall，看能否解决其拥堵。
 
 
　　十余年研究立交桥的民间设计师郑学信在看了李旭的方案后认为，该设计没有很好解决车流交织问题。因此不适合用于双井桥这样车流量巨大的地方。
　　希望能帮北京立交桥治堵
　　■ 征集令
　　新京报：设计“微型立交桥”的初衷是什么？
　　该设计将加剧北京拥堵
 
　　专家
　　马林认为，该方案缺乏工程技术基础，如果严格按照立交桥的一些设计标准，比如坡度、转弯匝道等因素，把这些都考虑进去，落实到具体尺寸，将不再是“微型”，会很庞大。
 
　　新京报热线：67106666
 
　　昨日下午,supra，记者对双井桥进行实地探访，在双井桥东北角，从两广路左转过来的车辆刚一过桥，前面就是多处公交车站，包括28路、37路、57路等近20多个公交线在此设站。由于公交车进站时离桥太近，等车上车的人潮涌上自行车道与骑车人混在一起，造成一处堵点。在桥的西北角，有一家大型购物中心，一些车辆随意停在路边,piumini moncler，占用自行车道，骑车人被挤上机动车道，加剧拥堵。
 
　　网友
 
 
　　网友勺子指出，双井桥设计存在问题，公交站、地铁站、购物中心集中，环线出口车辆与自行车、行人交织，非常混乱，并希望“微型立交桥”方案能帮双井桥治堵。
　　新京报：网友提到很多关于“微型立交桥”的缺陷，比如桥上多出很多出口，易拥堵、一旦走错难以纠正等，专家也认为你方案可行性差，你如何看？
 
 
　　李旭表示，虽然北京道路特点适合用他的方案，但对于具体到某个地点的运用，他不能马上做出肯定回答。需要调研当地车流量、道路特征及周边环境。“可以找时间，先用软件进行模拟测试。”
　　北京路宽平坦适合该方案
　　“方案”能否疏通双井桥？
　　李旭说，在长安街上，左转弯是个大难题，长安街拥堵也越来越严峻。但李旭的方案也受到一些市民的质疑。市民李先生在看了该方案以后认为其设计无非是把向外扩张的左转环线合并到主路内部。这种设计使得两条主路忽然缩减车道。这在需要减速的路口会造成大拥堵。
　　治堵必须解决人车混行
 （编辑：SN021）
　　李旭：没想到会引起这么大关注，这说明交通拥堵问题严峻，现存立交桥还有不完善的地方。网友们有切身体会，才引起他们关注。
 
　　参与方式
 
 
　　新京报：“微型立交桥”引发网友关注，你怎么看？
 
 
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