loans贷款

10 Benefits of Credit Cards1910年信用卡的好处

10 Reasons to Love Your Credit Card Bank10个理由爱你银行信用卡
by Scott Bilker由斯科特bilker

Scot t Bilker is the author of the best-selling book "Credit Card and Debt Management."作者是苏格兰人笔bilker的畅销书"信用卡和债务管理" He is also the Editor and publisher of the FREE DebtSmart® E-mail Newsletter ( http://www.debtsmart.com ).他还编辑和出版自由debtsmart®电子邮件通讯(http://www.debtsmart.com). Sign up today!今天报名!

Call me an extremist.叫我极端主义者. A few issues ago I wrote to you with "10 Reasons You Should Hate Your Credit Card Bank".前几个问题我写信给你"10个理由你应该恨你的银行信用卡". In this issue I will point out the other side.在这个问题上,我会指出对方. Boy, the banks are going to love me for this; too bad they won't be sending me a check!男孩,银行要爱我这个;太差了,我也不会派检查!

Love 'em, hate 'em, it's the same old story.爱『电磁、恨'镜,它的老故事. Credit cards themselves are not bad.信用卡本身不坏. There are advantages and disadvantages.有利弊. This time I want to take a look at some of those advantages...这一次我想看一看其中的一些优点::

By the way, please take the survey when you're finished--thanks!由程,请把你当调查完毕--感谢!

1.1. Access to money获得金钱
By being able to use your credit card you can actually save money!之所以能够使用你的信用卡,你可以省钱! Here's an example from my personal life.这里的一个例子,从我个人的生活. My dentist gives a 5% discount if you pay at the time of service.我的牙医给九五折如果你当时付服务. Because I can pay with my credit card I get the 5%.因为我与我的信用卡支付我得到5%. Even if I paid interest on this amount, at 10% APR I can still take 6 months to pay it back and break even!即使我付出这笔款项的利息,10%四月犹以6个月归还,拉平!

2.2. Protection from merchants保护客商
When you buy stuff with your credit card you are very protected.当你与你的信用卡买东西,你很保护. For example, if a merchant won't give you a refund for a return you can always contact your credit card bank and dispute the charge.例如如商人不会退还给你,你可以随时回到您的信用卡银行及联络费纠纷. The bank will probably decide in your favor and chargeback the merchant.银行可根据您的青睐和chargeback商人. The merchant would have to take you to court to fight further.商人也要送你上法庭,进一步打击. On the other hand, if you paid cash instead of using your credit you would have to pursue the matter in court with the merchant.在另一方面,如果你不是用现金支付信用你们就要出庭的商人.

3.3. A chance to build a positive credit history.有机会建立积极的信用历史.
You must have a good credit history in today's society.你必须有一个好的信用历史在今天的社会. Many people look at your credit report to judge you so it's vital that your report is the best it can be!很多人看你的信用报告,所以你判断的重要报告,你可以是最好的! Potential employers, insurance companies, mortgage companies, and many more will try to get an idea of your character from looking at this information.潜在的雇主、保险公司、抵押公司更多会尝试从构思你看这个字的资料. Having a credit card and using it wisely will help create that positive history.拥有信用卡及善用这将有助于创造积极的历史.

4. Other perks and cash back rewards其他福利及现金奖励返
There are many cards that actually pay you to use them.其实有很多支付卡,您可以使用. They provide a cash-back bonus or other reward.它们提供现金红利或其他报酬回来. If you can take advantage of that reward then you can actually save money.如果你能利用这一奖赏然后你可以省钱.

5.5. Warranty protection保修保护
Some credit cards will extend the warranty of an item purchased with that card.有的信用卡将会延长保修卡,购买一个项目. Contact your credit card companies to learn about these benefits so you know which card to use when purchasing that new computer.联络您的信用卡公司,以了解这些好处你知道使用哪种卡,在购买新电脑.

6.6. Money in an emergency钱救急
If your car breaks down late at night you may not be able to get an ATM machine or your personal bank.如果你的车坏了,深夜你可能无法拿到银行柜员机或个人. However, by having a credit card you'll have access to the money you'll need in these tense situations.但是,您有信用卡的钱,你就会得到必要在这些紧张局势.

7.7. Better deals than other loans交易更好比其他贷款
So many banks, so few good customers.如此多的银行,所以好几个顾客. They are fighting for our business!他们正在争取我们的业务! You may be able to get better rates from your credit card bank than from a personal loan or auto loan.你可以得到更好的利率比银行从您的信用卡或个人贷款汽车贷款. Right now I have four, count 'em, four banks that are offering me 0% until near the end of this year!现在我有4、计数的电磁、四家银行向我0%到今年底附近!

8.8. No chance of losing cash没有机会失去现金
If you lose your wallet you've lost your cash.如果你丢了钱包丢了你现金. If you have $100 in there, it's gone.如果你有100元,就完了. If you carry little cash and use credit, then, if you ever lose it you can call the credit card bank and report the card lost and you won't owe a dime.如果你携带少许现金及利用信用,那么如果你有失去它你可以致电银行信用卡、身份证遗失报告并不会欠你一分钱. The bank loses the money, not you, HA HA!银行失去金钱,而不是你,呵呵!

9.9. Better than a debit card胜过借记卡
If someone steals your debit card information they may be able to steal money from your accounts.如果有人偷窃你的借记卡信息可能可以从你的账偷钱. If that happens, your checks will bounce and you'll have to deal with each place you wrote a check too plus the bouncing fees from your bank.届时,你会蹦蹦跳跳地检查包包应对每一个地方写检查加上太费从你银行跳票. You'll have to fight to get your money back.包包打得到奉还. If someone steals your credit card then you would call the credit card bank and tell them cancel the account and you wouldn't be responsible for the charges that you didn't make.如果有人偷窃你的信用卡,你将致电信用卡、银行帐户、注销您告诉他们不会负责你不收费. That's the risk banks take for the profit they make.那银行的风险,使他们以盈利. Hey, that rhymes.嘿,这韵.

10.10. Customer service 24/7客户服务24/7
Most credit card banks have reps there 24/7.大多数银行的信用卡有24/7名 That's great because you can deal with them at your convenience.那是因为你可以对付他们伟大就便. If you pay your bill late Thursday night, and you have a question, you can talk to someone.如果你付帐单已故周四夜,你有问题,你可以找别人. Granted that you'll be dealing with their voice menu for a while before you speak to a human, but you will eventually speak to one.理所当然就会对付他们的声音菜单了一会儿,然后你就一个人,但你终将发言. :-)想着

For free information about how we can help you reduce your debt, please fill out our form .免费为您提供有关如何帮助您降低债务,我们请填写表格.

Advance Payday Loans贷款提前日历

An advance payday loan isn't really the best thing, even if you get behind.预支日历贷款并非真的最好,就算你在后面. What's a better idea for a short term loan is to get a credit card, assuming you have decnt credit.有什么更好的构想,以短期贷款取得信用卡,假设您信用decnt. If your credit isn't terrible, you can get a reasonable rate for it, sometimes starting at 0% apr.如果你的信用并不可怕,您也可以得到一个合理的速度,有时晚上0%四月. Then you can charge some of your expenses, and though you'll still be in debt, you won't have to worry about the terrible rate that comes with an advance payday loan.那么你就可以收取你的一些费用,虽然你还是举债你不用担心这是一个可怕的速度前进日历贷款.

Those loans can cost you 15 percent or more, and for what?这些贷款的成本,你可以15%以上,为什么? Just to get a few days early the money you'll be getting anyway?刚刚获得初几天就会越来越有钱呢? Forget it.忘记. What a ridiculous idea.多么荒谬的想法. If you're starving – I mean, seriously physically starving – I can see the advantage of advance payday loan, but otherwise, it's usually no worse than the alternative.如果你在挨饿,我的意思是,严重肢体挨饿--我看日历的优势提前贷款但是,它通常不会比替代. It makes more sense to pay the rent late, or the utilities late.更明智支付租金逾期或逾期水电费. That is, unless you are about to get evicted, or have your utilities shut off.即,除非你是要驱逐约,或已切断水电贵. Then of course, get an advance payday loan, and get one now!那么当然,提前拿到贷款日历,走不通了!

advance payday loans are usually the weapon of last resort for the very poor and destitute.日历贷款提前通常武器不得已的非常穷. If you are almost on the street, down to your last dime, then an advance payday loan could make sense and help you at least stay on your feet a little longer, but really, sometimes things get so bad that there's just no stopping them from getting worse.如果你几乎在大街上,你却连一毛下来,然后预支日历贷款可以帮助你感对你的脚至少留一段时日,但真的,有时做不好的事,得到的只是禁止停车问题恶化. Of course that attitude is of very little consolation if you are the one who is very broke and about to get your house repossessed or your car auctioned, or even your kids taken away.当然这种态度是很少的安慰,如果你是一位十分左右发生,你还是要收回你的房子车拍卖、甚至孩子带走.

If you are broke, before you get an advance payday loan, think of your other options.如果你是坏,在你拿到贷款提前日历,你认为其他选择. It is always good to consider your support network – your friends and family, and what they might be able and willing to do for you.它永远支持你考虑好网络您的家人和朋友,他们也许能够而且愿意为你做. Even someone you haven't talked to in years might be more than willing to bail you out rather than see you fall through the cracks.甚至有人跟你有没有可能在年内超过您愿意保释出来,而不是看你得不到照顾. I know it is humiliating to have to ask for help like that.我知道这是一种侮辱,要像求救. I know, because I have been there, but really, it is much more humilliating to be completely destitute because you lost 15% of your monthly earning using your advance payday loan, and are now out on the street.我知道,因为我已经有,但果真来得humilliating特困因为你不能完全失去你每月收入的15%用你的日历提前贷款而现在街. There's no reason to let yourself fall through the cracks like that, when help is around the corner.没有任何理由让自己像秋天透过裂缝,当有助于为期不远. Also, you can use food banks and free meal programs to help you save money if you are really broke.另外,你可以用银行及餐食品来帮你省钱节目如果你真的发生. Most cities have these programs.这些节目大部分城市.

Bankruptcy破产

Bankruptcy is a legal declaration of the inability to repay debts.破产是一个合法的声明无力偿还债务. Bankruptcy should be viewed as a last resort.破产应视为最后手段. It will have a severe impact on a credit rating and will remain on a credit report for ten years.这将有严重影响,信用评级、信用报告>仍将十年. Furthermore, bankruptcy is not a solution in all cases.此外,破产不是解决所有案件. Federal student loans, Federal tax debt and child support are all exempt from bankruptcy protection.联邦学生贷款、债务和子女抚养的联邦税免征都是破产保护. Bankruptcy agreements vary but there are two types of agreements that most people choose: Chapter 7 and Chapter 13.破产协议有两种不同的协议,但大多数人选择:第7章、13章.

For a free debt consolidation counseling session, please fill out the form on the right.免费咨询会议巩固了债务,请在正确填写表格.

Car Loan vs. Credit Card Debt汽车贷款与信用卡债

Car Debt or Credit Debt First?车债务或债务信用第一?
by Scott Bilker由斯科特bilker

Scott Bilker is the author of the best-selling book "Credit Card and Debt Management."斯科特bilker是作者的畅销书"信用卡和债务管理" He is also the Editor and publisher of the FREE DebtSmart® E-mail Newsletter ( http://www.debtsmart.com ).他还编辑和出版自由debtsmart®电子邮件通讯(http://www.debtsmart.com). Sign up today!今天报名!

Scott,史葛
First off great site, very informative.其一大工地,非常翔实.

I've already organized my debt with the highest interest debt to be paid off first.我已经组织了我国的最高利益与债务清偿的债务必须先. Only thing is, my car loan is up toward the top and it's getting close to the time when I would need to roll over the payments of paid off debt to the next highest interest rate debt, my car loan.只是,我国汽车贷款是往上走,它的亲近的时候,我将需要支付的滚动债务清偿债务的利率最高为下一,我的汽车贷款.

Does it make sense to start increasing my payments on this loan?是否合乎常理开始发放这笔贷款增加我? Isn't it fixed what I will pay on the loan?它不是固定我付出的贷款? If this is the case shouldn't I start paying on the next highest interest debt (another credit card) instead?如果是这样的话,我不应该开始就下次最高支付债务利息(另一信用卡)? Thanks for any help!感谢任何帮助!
Mike迈克.

Answer答案
Mike,米克

Thanks your positive comments about DebtSmart!感谢您对正面评论debtsmart!

It's great that you've already set up a payment program that pays the highest-interest-rate debts back first.它的伟大,你已经成立了扭亏增盈自付金额最高利率债第一回. Many financial "experts" advise to pay off the lowest-balance debt first but that's simply wrong, meaning, more expensive!许多金融"专家"奉劝偿还最低债务余额首次但是那只是错,意义,更为昂贵!

Since your car loan is about to become the most expensive debt, highest interest rate, you should "roll" your payments from the last debt into the car loan.既然你即将成为汽车贷款债务最贵,最高利率你应该"滚"你的债务金额由去年的汽车贷款. This is the most efficient method of repaying your debt.这是最有效的方法,你欠债务.

There are however, a few details you need to check:还有不过,你必须检查几个细节:

1) Are you allowed to pay off your car loan early with larger payments?1)你让你的汽车贷款提前清偿金额较大? There are some loans that have pre-payment penalty conditions so call the bank to make sure you can send in more money toward the loan principal.有些贷款已预付电话银行等处罚条件,使你可以把更多的钱对贷款本金.

2) When you send in your payments be sure the bank knows to apply the entire payment toward your balance.2)当你把你的银行支付一定知道你对申请的整个支付平衡. There are a few instances when the bank will apply the scheduled payment and hold the extra for the next payment.有几个事例时,将适用银行付款预定明年举行的额外支付. You don't want that situation.你不想这种情况.

3) Will you need that extra cash in the near future?3)将你需要额外现金,在不久的将来? If you pay more toward a credit card you can always get that cash back if you need it by using a cash advance or making purchases with the card.如果你向信用卡付你都能得到,如果你需要回现金用现金或提前购物卡. When you increase the payment on the car, that money becomes part of the car and cannot be converted back into cash again until the car is sold.当你的车加金、这部分钱变成了车,不能再还原为现金,直到车卖掉.

In summary, you are correct.总之,你是正确的. It makes perfect sense to send the extra payment to the car loan because it's the most expensive debt on your list.它周全派遣额外支付汽车贷款,因为它的最昂贵的债务对你名单. Just be sure there are no penalties for paying off the loan early.只是不知道是否有提前还贷的惩罚. If there are penalties, you'll need to consider if the savings from the interest charges are greater than penalties.如果有惩罚,如果你要考虑节省利息费用大于处罚. Chances are you can pay off the loan early; if there are penalties let me know.机会是你可以提前偿还贷款;如果让我知道有处罚.

Keep up the good work!好好干!

Scott斯科特

For free information about how we can help you reduce your debt, please fill out our form .免费为您提供有关如何帮助您降低债务,我们请填写表格.

Cash Advance Loan现金贷款提前

We all try to be as responsible as possible with our money by paying our bills on time, spending wisely, and saving whenever we can.我们将尽一切可能与我们负责支付的票据款项准时明智、挽救每当我们能. But despite our best efforts, we simply can't be prepared for every single emergency or crisis that life throws at us.但是尽管我们已尽了最大努力,我们不可能准备每一生命投掷在紧急或危机. After all, who would have been able to predict that your car battery would die, your furnace would go out, and your rent would be due all in the same week?毕竟,谁会猜出来,你会死车电池、你会走出炉、你会因租金在同一星期? Sometimes you need a bit of help making it to your next paycheck.有时你需要一点帮助,使你下次裂痕. One way to quickly get the money you need is through a cash advance loan from an online source.其中一个方法就是你需要钱很快得到通过贷款提前从网上现金来源.

There are many websites out there that offer same-day or next-day cash advance loans for amounts between $100 and $500.有许多网站提供了有相同当天或翌日现金提前贷款金额由一百元至五百元. The process of getting one of getting a cash advance loan from one of these sites is relatively straightforward.过程中得到了越来越其中现金贷款提前从这些地点之一是比较简单. The first thing you have to make sure that you meet the minimum requirements as set forth by the company's terms of service.首先就必须要确保满足你提出的最低要求,该公司的服务条件. Although each website might have slightly different requirements, in general they will consist of things such as being with the same employer for at least three months, being at least 18 or 21 years old (depending on your state of residence), and having a checking account with direct deposit available.虽然每个网站可能略有不同要求,一般来说,他们将分为东西如以同一雇主至少三个月至少18或21岁(视乎你居住国)并有检查存款帐户中直接提供. As you can see, these minimum requirements are pretty easily met.你看,这是起码的要求相当容易满足. It doesn't matter if you have a history of bad credit or bankruptcies; chances are you'll still be able to get a cash advance loan.不管你有不良信用或破产史;您还可以有机会获得现金贷款提前.

The next thing you have to do is hand over some paperwork.唉,你要做的是把一些文字工作. What kind of documents do you have to provide?你有什么样的文件规定? Well, that depends on the specific company that you're working with.那么,这取决于你公司具体工作. Some lenders require all kinds of paperwork, copies of your driver's license, cancelled checks, paycheck stubs, and things of that nature before they will release a loan to you.放款部分,要求各种证件副本你驾照、截留、裂痕存根,而这种性质的东西,才释放贷款给你. You can either fax these documents in or drop copies off in person if there is a location near you.你可以传真或下降份过这些文件的人如果在你附近有一个位置. Of course, this means you have to have access to a copier and a fax machine.当然,这意味着你有机会获得一台复印机和传真机. Then there are other lenders that process cash advance loans entirely online.当时还有其他现金提前贷款放款过程完全在线. The only thing they require of you is your checking account number and the authority to make a one-time automatic draft or withdrawal for the amount of your loan plus any fees and interest that you've agreed on.他们唯一的要求就是你和你的检查监督取得帐号一次性自动撤回草案还是你贷款的金额加上任何费用和利息,你同意.

Speaking of fees and interest, you can expect to pay a high price for getting an instant cash advance loan.谈到费用和利息,你可以预期付出了高昂的代价越来越瞬间现金提前贷款. The specific fee schedule would of course vary from lender to lender, but typical rates start at 20% or more.具体收费表,当然会因出借,而是典型的费率开始在20%以上. In other words, you can expect to have to pay back $120 for every $100 that you borrow.换句话说,你可以期望有回馈120元,每百元你借用. But at least with the funds from a cash advance loan in your pocket, you'll be able to keep your car, your job, and/or your home.但至少与资金借贷现金提前满载而归你可以陪你的车,你的工作,和/或你的家.

If you're in a tough financial position, you should consider applying for a cash advance loan online.如果你在一个严峻的财政状况,你应该考虑申请贷款现金提前上网. The process is fast, easy, and completely confidential.过程是快速,容易,完全保密. You'll be able to get the money you need to get yourself back on your feet again no matter what your credit history looks like.您能得到的钱,需要找你回你的脚又不管你信用史样子.

Chapter Seven (7)第七章(7)

In a Chapter 7 agreement, the court resolves most debts by selling assets and property so that the filer is given a fresh financial start.第七章一协定法院决定出售资产及债务大部分财产,使金融开始重新给予备案. The court takes all assets including cars, homes, furnishings, jewelry or anything else of value.法院通吃资产包括汽车、住房、家具、饰品等等价值. The assets are sold to pay off the debt.出售资产来偿还债务. There are some debts that a person may wish to repay on their own instead of having the court resolve it.有些人可能希望债务偿还自己而不是由法院解决. This is called reaffirmation.这叫做肯定. Reaffirmation is a special payment plan with the court.肯定是一个特殊的付款计划在法院. For example, if a car loan is reaffirmed, the person keeps the car and makes payments under new terms.举例来说,如果汽车贷款是肯定的人车,并不断发放新名词. Chapter 7 bankruptcy will not eliminate debts due to taxes, child support, alimony, student loans, court fines or personal injury caused by driving drunk or under the influence of drugs.第七章破产债权由于税不会消除,抚养、赡养、学生贷款、法院罚款或人身伤害或影响下酒醉驾车罪名. A Chapter 7 filing will remain on a credit report for 10 years.第七章档案的信用报告,仍将按10年.

For a free debt consolidation counseling session, please fill out the form on the right.免费咨询会议巩固了债务,请在正确填写表格.

Chapter Thirteen (13)十三章(13)

In a Chapter 13 agreement, the court creates a debt repayment plan that allows the filer to keep their property.在第13章协议,法院创造了偿债计划,允许保留他们的财产备案. In order to file for Chapter 13, a person must have a source of income and promise to pay part of their income to creditors.为了立案13章、一个人不能没有经济来源,许诺向债权人支付部分收入. The court allows the filer to keep any assets that have debts against them if they make payment on them under Chapter 13s.法庭允许保留备案反对任何资产,假如他们的债务支付他们育章. A Chapter 13 filing will remain on a credit report for 10 years.第13章一对信用报告仍将存档10年. With Chapter 13, there is a better chance of obtaining future loans and credit.有13章,有机会获得更好的前途和信用贷款.

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Close-end Credit封闭式信用

Generally, any loan or credit sale agreement in which the amounts advanced, plus any finance charges, are expected to be repaid in full over a definite and specified time.一般而言,任何信用贷款或销售协议,其中先进的金额,加上任何财务费用、预计可全部还清,并明确时限. Most real estate and automobile loans are closed end agreements.大多数房地产和汽车贷款协议年底关闭.

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Conditionality条件

Extra requirements other than repayment (such as a ‘structural adjustment’ policies) demanded by the lender before new loans are granted.除了额外要求还款(如'结构调整的政策)所要求的新贷款放款前. Conditionality refers to 'conditions' attached to the loan agreement.有条件指『条件』附在贷款协议.

For a free debt consolidation counseling session, please fill out the form on the right.免费咨询会议巩固了债务,请在正确填写表格.

Mortgage Refinancing at a Lower Interest Rate抵押贷款利率处于较低

Mortgage Telemarketing--A Personal Story按揭269--个人故事
by José Olivares由何塞olivares

This article is brought to you by the FREE DebtSmart® E-mail Newsletter ( http://www.debtsmart.com ).这篇文章是给你带来了debtsmart®免费电子邮件通讯(http://www.debtsmart.com). Sign up today!今天报名!

Scott, first I would like to thank you for all the good advice you have given me through your NEWSLETTER.斯科特,我想先谢谢你的一切好的意见,给我你的通讯. In response to your question about our (readers) experience with telemarketers, I would like to share an experience that happened to me recently.针对你的问题对我们(读者)的电话销售经验,我想分享一个我最近发生.

I, like many others out there, am looking to refinance my first mortgage at a lower rate than what I currently have.我和许多人一样到处从我第一次感到转按揭利率处于较低比我目前已. In my case, the loan is approximately $120,000 at 7.25% and also a second mortgage (home-equity loan) of $10,000 that I have at 12.25%.在我身上大约在12万元贷款7.25%,也是第二按揭(在家股本贷款)10,00012.25%时,我. I decided to call a financial institution after receiving one of those infamous "you have been pre-approved" offers.我决定金融机构在接到一个电话那些臭名昭著的"你已预先核准"的引诱.

I spoke with a lady, who was very friendly, and she asked me if I could read the confirmation number on the right-hand side at the top of the letter.我曾与一位女士,他们很友好,她问我是否能够看到一些关于确认右侧山顶上的文字. I gave it to her and she asked for some other information including my Social Security number.我给她,她问我一些其他信息包括社会保障号码.

I explained that I would be interested in refinancing with her company if they can beat the rates on my current loans.我解释说,我是她的兴趣,再融资公司如果能击败我这次贷款利率. She said she would call me back with an answer.她说她会叫我回来一个理由.

About an hour later, she calls and tells me she has "good news" for me.约一小时后,她来电告诉我,她的"好消息"似的. They can combine both loans at a great APR of 9.48%.他们可以把两种贷款的伟大四月9.48%. Stunned by what this lady is telling me I paused and asked her to explain how exactly it was that she was coming up with this GREAT deal since I was paying 7.25%.震惊告诉我这是我夫人顿了一下,要求她解释说,她刚好有人想出这种因为我付出很大7.25%.

Her answer was, "But Mr. Olivares you are paying 12.25% on the other one and you will be saving about $20.00 per month."她的回答是,"但盖olivares你付出的12.25%,而你一会每月节省约20.00" At this time I told her to hold on while I started the DebtSmart Loan Calculator.这时我告诉她,我就开始举办debtsmart贷款计算器. I told her, and I quote, "How silly her offer sounded."我告诉她,我引用"傻她如何提供音" I used the 30-year loan calculator, which I got from Scott, and told her that, yes she was saving me about $20.00 per month on the $10,000 loan.我用了30年的贷款计算器,我从斯科特,告诉她,她是挽救我不错,每月约20.00万元的贷款. However, she is increasing the amount on the $120,000 loan by about $200.00 per month, and I asked her how it was that this was making any sense for her!不过,她是增加贷款金额在12万元左右元200.00元我问她怎么样,这是对她作出任何意义!

Her answer was that I could not "separate the two loans" the way I was doing it.她的回答是,我不能"两分开贷款"我的想法是这样的. At this time I knew there were only two possibilities: (1) this lady is not educated enough to have her current job or, the more likely case, (2) she's trying to gouge me by doing some "fuzzy math."这时我才知道有两种可能性:(1)本夫人已不是她目前在职学历不够,或者更可能的情况下,(2)她对我做了一些尝试泥"模糊数学"

By the way, she was amortizing the loans for 30 years.由程,她30年摊还贷款. Just like the original loan without taking into account that my second loan is amortized for only 20 years就像原来没有考虑到贷款的贷款是我的第二只20年摊销

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Mortgage Refinancing to Help Pay Off Debt抵押融资帮助偿还债务

Helping Daughter With Debt帮助女儿与债务
by Scott Bilker由斯科特bilker

Scott Bilker is the author of the best-selling book "Credit Card and Debt Management."斯科特bilker是作者的畅销书"信用卡和债务管理" He is also the Editor and publisher of the FREE DebtSmart® E-mail Newsletter ( http://www.debtsmart.com ).他还编辑和出版自由debtsmart®电子邮件通讯(http://www.debtsmart.com). Sign up today!今天报名!

Our daughter, who is 31 and single, has $15,000 in credit card debt that would we like to help her get out from under.我们的女儿正在31和单一有15,000信用卡债务将在我们喜欢帮她摆脱. This debt consists of two different maxed out credit card accounts that are both charging very high interest rates, as well as late charges and over the limit fees.这笔债务是由两个不同的共混出信用卡帐户,都是收费很高利率以及已故费超过限额收费. We are considering refinancing our mortgage, which currently has a balance of $47,000 and a 5.75% rate.我们正在考虑转按揭,目前已形成了4.7万美元的负债率5.75%. We will continue to make the same payments we're making now, and she will make the additional amount needed to pay off the loan in about 6 years.我们将继续尽我们作出同样的金额,她将额外发放贷款金额需在大约6年. That way she would not have any debt showing up under her name, and we would be able to take the additional interest off as a tax deduction.这样她就没有任何债务,显示出她的名字,而我们可以采取额外利息作为扣税过. Even though there would be closing costs involved on a refinance, I still feel that those charges would be less than the interest on the credit cards over the long term.即使会有一转闭幕费用,我还是觉得那些收费将低于利息的信用卡在长远. Is this a good solution or not?这是一个很好的解决办法呢? By the way, we have had several lengthy discussions with her about how to manage her finances and also purchased your "How to be more credit card and debt smart" manual for her.由地我们曾多次与她长时间讨论如何处理她的财政状况,也买你的"如何更聪明信用卡债务"手工她.
--Anna--安娜

Anna,安娜,

Thanks for writing and getting my book!感谢我的书写作致富!

Great question especially considering that last issues survey was about lending to family.特别是考虑到重大问题上的贷款问题被调查家庭. The good news is that it seems, from those results, that lending to family works out better than lending to friends.好消息是,似乎从这些成果,这家厂出借给朋友贷款比. Also, I'd like to speculate that lending to your children, in general, could work out well.同时,我想你的孩子猜测贷款,一般做工比较好. The last thing anyone would want is a damaged relationship over money.最后是想破坏任何东西比金钱关系.

I do believe that your plan is a good idea.我相信你的计划是个好主意. And I believe this for many reasons.我相信这有很多原因. First of all you are going to be saving money by refinancing and your going to be saving money for you daughter by reducing her interest rates.首先你要贷款,你可以省钱了将要为你省钱,她女儿减息. Second, because the rate reducing is in the form of a mortgage you get that tax benefit.其次,由于利率降低是以抵押给你,减税优惠. Third, once her loans are paid off by the refinance they'll be off of your daughters credit report.第三,清偿贷款,一旦她被转就要过你女儿信用报告.

Daughter to pay back with interest.女儿偿还利息. Now lets crunch some numbers.下面一些紧缩号码. If she's going to be paying this loan back in exactly six years than a principal of $15,000 at 5.75% requires a monthly payment of $246.83.如果她的付出这笔贷款将在整整6年多的校长在15,0005.75%规定按月缴纳246.83美元. However, if you really wanted to work out the numbers there are still other cost considerations.不过,如果你真想出号码还有其他成本考量. Closing costs for example.比如成本闭幕.

If you were going to refinance anyway then all the costs that involve the property like legal, title work, loan applications, etc. you would have paid regardless of lending to your daughter.如果你要转那么反正一切法律费用,如涉及房地产、工程名称、贷款申请等不管你要付出借贷给你的女儿. However, if there are points involved then your daughter's portions would contribute to increasing that cost.但是,如果有那么点涉及你女儿的部分,这将有助于增加成本. If there is a charge of 2% then your daughter's portion of that charge is $300.如果有一个女儿,那么你的2%收取的部分,收费300元.

On the other side of charges, you will be receiving a tax refund based on the loan and extra savings because of her additional loan.在对方收费您会收到退税的基础上,因为她的储蓄贷款和额外额外贷款. You could refund that amount to her by simply reducing the rate of the loan based on your tax bracket.你可以到退票金额比率她干脆把你免息贷款的依据.

If you're in the 15% tax bracket then reduce the APR by 15% from 5.75% to 4.89%.如果你在那15%税级减少了15%,从四月5.75%至4.89%. This reducing in interest represents the amount you'd be receiving as a refund based on your daughter's loan.这代表利息金额减少,就会被接收为退票基于你女儿的贷款.

The 6-year, monthly payment of $15,000 at 4.89% is $240.81.6年,于每月一万五千元240.814.89%.

Now that your daughter will have no outstanding credit card balances she'll need to be careful when spending.现在,你女儿就没有偿还信用卡余额须小心就会消费. I suggest only using her credit for emergencies and budgeted spending.我建议她只用信用紧急预算开支. Managing credit overlaps managing spending.信用管理重叠理财.

Hope that helps!希望帮助!

Please let me know how it all works out!请让我知道它所有作品!

Regards,问候
Scott斯科特

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Paying Down a Car Loan偿还汽车贷款

Make Payments For Son's Car支付儿子的车
by Scott Bilker由斯科特bilker

Scot t Bilker is the author of the best-selling book "Credit Card and Debt Management."作者是苏格兰人笔bilker的畅销书"信用卡和债务管理" He is also the Editor and publisher of the FREE DebtSmart® E-mail Newsletter ( http://www.debtsmart.com ).他还编辑和出版自由debtsmart®电子邮件通讯(http://www.debtsmart.com). Sign up today!今天报名!

Dear Scott,亲爱史葛
My son purchased a car for $15,000 at a high rate of interest.我儿子买了一车15,000在高利率. He's been paying for 32 months and he still owes $11,000.他的付出,他还欠32个月、11,000. He has just been laid off and to top it off the car has blown the engine.他刚刚下岗和顶帐车吹向引擎. I would like to help him pay the loan off to keep his credit rating but would like to negotiate the amount down.我想帮助他保住自己付出过贷款信用评级,但想谈金额下降. What are the chances?什么机会? Would he be better off to let it be repossessed?他富裕了,任它收回? This would be to nobody's advantage.这将是无益的优势. Please advise.请告知.
--Jim--吉姆.

Jim,吉姆,

Thanks for writing!写作感谢!

The good news, certainly for your son, is that you're willing to help him.好消息,当然你儿子是你愿意帮助他. And because of that you'll be able to save him some money and keep his credit history clean.因为,您可以节省一些钱,他把他的信用历史干净. Since your son probably has your character, it's a good bet that he'd make sure to repay you when he's back on his feet.也许你既然少爷性格这是一个好的赌注,他真想让他来报答你的回他的双脚.

Here are a few ideas to save money, while helping your son at the same time:这里有几个观念为了省钱,同时帮助您的孩子在同一时间:

1) Buy the car from your son.1)从你儿子买汽车.
Since you are willing to help out financially, you may be able to save money by buying the car from him.既然你愿意帮忙财政你可省钱了买车的钱. That's because you're more likely to be able to get a better rate on a loan for the car.那是因为你更有可能得到更好的汽车贷款利率.

Check with your credit union or local bank and find out what the deal is for used car loans.查你当地银行或信用社和找出解决是用汽车贷款. The bank will loan you an amount based on the book value of the car, but the rate will most likely be far less than the current rate.世界银行将贷款金额根据您的帐面价值车内但速度很可能大大低于目前的税率.

If you cannot get the full $11,000 needed to pay off the original amount you may want to consider using a credit card cash advance if the rate is low.如果你不能得到充分11,000需偿还金额原想你可能考虑使用信用卡现金如果提前率低. Call your credit card bank and see what they have to offer.电话银行和信用卡你看看他们有乐趣. Tell them that if they give you a good deal you'll use their line of credit otherwise you'll be calling your other credit cards to see who wants to make a profit.告诉他们,如果他们会给你一个很好的协议,你就会使用其信贷额度,否则你的电话就会看到其他信用卡谁要赚钱. Or, if you have a low rate transfer offer on one of your credit cards, you could cash advance one credit card and immediately transfer the balance to the lower rate card.或者,如果你有一个低利率转让提供一个你信用卡你可以提前一个信用卡现金余额,并立即转移到低税率卡.

So between the bank loan and other financing you can take possession of the car and save money over the current financing.所以银行贷款等融资之间你可以接管车省钱超过目前融资.

2) Fix the car.2)修理汽车.
The car is still worth quite a bit of money.车仍在1.93元钱. Replace or repair the engine and keep track of that cost.修理或更换发动机,并跟踪成本.

3) To sell or not to sell.3)卖与不卖.
At this point you have a functioning car that's been refinanced at a lower rate.此时你有一个运作的车子已经是以较低. Your son's credit history looks good because the car has been paid off.你儿子的信用史好看,因为车内已见成效. Now the question is, "Will your son want the car when he gets on his feet or will he want a less expensive vehicle?"现在的问题是,"儿子想车就在他到达了他的脚或他想要便宜车"?

If he wants to keep the car, then you could sell it back to him for the unpaid balance plus the cost of repairs.他若要保持车内然后你可以卖回给他的报酬余额加上维修费用. Or he could pay you monthly for all the financing.或者你可以按月缴纳全部融资.

If he doesn't want to keep the car then sell it.如果他不想把车再卖. Take that money and pay off as much of the financing as possible.把钱还清,尽量筹措越好. You may not get enough from the sale to repay the entire amount.你可以从销售得不到足够偿还全部金额. In that case you'd need to work out how that difference would be paid.在这种情况下,你怎么样,要制定将会付给.

As far as negotiating the amount goes, it's always worth it to give the lender a call and see if they'll reduce the balance.至于谈判未战它总是值得放款打电话给看看人家减少负债. However, in this case, I believe the chances are slim.然而,在这种情况下,我相信机会是微乎其微.

The above suggestions are the ideas I would consider.上述建议是考虑我的想法. I hope you find them useful.我希望你们找到他们有用.

Good luck and please let me know what happens!好运让我知道发生什么事情,请!

Regards,问候
Scott斯科特

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Reschedule调整

Revised timetable for loan repayments, usually granting longer repayment periods and often involving new loans to pay old ones.订正时间表还款,还款期长,通常给予新贷款往往涉及支付旧.

For a free debt consolidation counseling session, please fill out the form on the right.免费咨询会议巩固了债务,请在正确填写表格.

What is unsecured debt?什么是无担保债务?

Unsecured debt is debt that is not backed up by collateral, such as a car in the case of a car loan, and a house in the case of a mortgage.担保债务是债务担保并非后盾,例如一辆汽车在发生汽车贷款、而房子抵押情况. Examples of unsecured debt are credit cards, most personal loans, and student loans.信用卡债务担保的例子是,大多数个人贷款、助学贷款.

For information about consolidating your unsecured debt, fill out the form on the right for a free, no obligation, counseling session.巩固你的债务担保资料,填写表格,就自由权,并无义务,辅导面谈.