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The lower your rating, the higher the rate of interest you have to pay on your bonds and the more it costs you to service your debt, and this last can be a life or death matter for Third World countries.
Guns lower your rating, and take a big hit in keeping you away from the silent assassin rating.
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And pay close attention to points, the fees paid to lower your rate.
With an overseas mortgage, the larger your deposit, the lower your rate with the size of loan worked out on affordability criteria.
You might propose paying specified penalties for turning your project in late or agree to significantly lower your rates if you go over budget, for example.
"When you do lower your rates, it's very difficult to get them back up to where they were," said John Reed, the American manager of the sumptuous Amandari resort in Ubud, where rooms start at $625 a night.
What would lower your rate is if you start drawing your benefits prior to 70.
Several other calls have come in, also asking you to lower your rates.
Carriers are usually motivated to keep you as a customer and may lower your rate to do it.
For example, Progressive Casualty Insurance Company offers Snapshot, a device that monitors your driving and, if you comply with their criteria for good driving, they will lower your rates.
While you are on the line, you can also ask the rep if they could lower your rate, since you are such a good customer of theirs.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com