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2021-07-04

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5 wise money moves before the Fed starts raising interest rates again<blockquote>美联储再次开始加息前的5项明智资金举措</blockquote>

Federal Reserve Chairman Jerome Powell (pictured) and his colleagues have said the central bank will

5 wise money moves before the Fed starts raising interest rates again<blockquote>美联储再次开始加息前的5项明智资金举措</blockquote>

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As the economy recovers from the worst of the COVID-19 pandemic, inflation is rising and more people are getting back to work. This has led the Fed to indicate a rate hike could come as soon as 2023 — moved up from its previous plan to wait until 2024.<blockquote>但利率不会永远保持在低位。随着经济从COVID-19大流行最严重的时期中复苏，通货膨胀正在上升，更多的人正在重返工作岗位。这导致美联储表示最早可能在2023年加息——高于此前等到2024年的计划。</blockquote> For consumers, that means now may be the time tosplurge on a fun purchaseor take out a loan for something they need.<blockquote>对于消费者来说，这意味着现在可能是花钱购买有趣的买家或贷款购买他们需要的东西的时候了。</blockquote> Here are five money moves you should make before rates rise.<blockquote>以下是您在利率上升之前应该采取的五项资金举措。</blockquote> Refinance your home loan<blockquote>为您的房屋贷款再融资</blockquote> Mortgage rates fell to record-breaking lows during the pandemic, but they’re slowly creeping up as the economy continues to recover from COVID-19.<blockquote>在疫情期间，抵押贷款利率跌至创纪录低点，但随着经济继续从COVID-19中复苏，抵押贷款利率正在缓慢上升。</blockquote> While rates are currently at historically low levels, experts predict they will rise to 4% this year — which means now's the time to act if you’ve been mulling a refinance.<blockquote>虽然利率目前处于历史低位，但专家预测今年将升至4%——这意味着如果您一直在考虑再融资，现在是采取行动的时候了。</blockquote> An estimated 14.1 million Americans have the opportunity to refi andsave an average $287 a month, according to recent research from mortgage technology and data provider Black Knight.<blockquote>根据抵押贷款技术和数据提供商Black Knight最近的研究，估计有1410万美国人有机会进行再融资，平均每月节省287美元。</blockquote> Alternatively, rising house prices offer homeowners an opportunity to leverage their home equity to fund home improvement projects, pay down debt or cover their children’s education funds.<blockquote>或者，房价上涨为房主提供了利用房屋净值为家居装修项目提供资金、偿还债务或支付孩子教育资金的机会。</blockquote> Consolidate your debt<blockquote>合并您的债务</blockquote> The pandemic made it difficult for Americans to travel, eat in restaurants or spend on retail purchases, and many used the money they didn't spend on those activities to increase their savings and pay down debt.<blockquote>疫情使美国人难以旅行、在餐馆吃饭或进行零售购物，许多人用他们没有花在这些活动上的钱来增加储蓄和偿还债务。</blockquote> The number of consumers who paid off their credit card balances in full every month reached an all-time high of 35.1% late last year, according to a report from the American Bankers Association.<blockquote>根据美国银行家协会的一份报告，去年年底，每月全额还清信用卡余额的消费者数量达到了35.1%的历史新高。</blockquote> Still, many households are struggling to make ends meet. And, with unemployment benefits ending in many states across the country, those still out of work or living on reduced incomes may have had to give up their debt repayment plans to focus on immediate needs.<blockquote>尽管如此，许多家庭仍在努力维持生计。而且，随着全国许多州失业救济金的结束，那些仍然失业或收入减少的人可能不得不放弃债务偿还计划，专注于眼前的需求。</blockquote> If you’ve been relying on your credit cards to carry you through, the expensive interest is going to add up quickly.<blockquote>如果你一直依靠信用卡度过难关，昂贵的利息会很快增加。</blockquote> For those who can’t borrow from their home equity to pay off card balances, adebt consolidation loancould help you get rid of debt sooner and save you a ton on expensive interest.<blockquote>对于那些无法从房屋净值中借款来偿还卡余额的人来说，债务合并贷款可以帮助您更快摆脱债务，并为您节省大量昂贵的利息。</blockquote> Work on your credit score<blockquote>提高您的信用评分</blockquote> While today's low rates make it easier to take out loans, you'll find it more expensive to borrow when rates do go up.<blockquote>虽然今天的低利率使贷款变得更容易，但当利率上升时，你会发现借贷成本更高。</blockquote> Today, it's easy to take afree peek at your credit score. So now’s the time to work on improving that score to ensure you’ll continue to be able to borrow at the lowest-possible rates.<blockquote>今天，很容易免费查看您的信用评分。因此，现在是时候努力提高该分数，以确保您能够继续以尽可能低的利率借款。</blockquote> Boosting your credit scorea few hundred pointswill make you a more attractive borrower to all types of lenders – from credit-card issuers to those offering mortgages.<blockquote>将您的信用评分提高几百分将使您成为对所有类型贷方（从信用卡发卡机构到提供抵押贷款的机构）更具吸引力的借款人。</blockquote> Refinance your student loans<blockquote>为您的学生贷款再融资</blockquote> Federal student loan payments are paused until October but some prominent Democratic lawmakers, including Sen. Elizabeth Warren and Senate Majority Leader Chuck Schumer, are pushing the president to provide more relief for borrowers and forgive up to $50,000 per person.<blockquote>联邦学生贷款支付暂停至10月份，但包括参议员伊丽莎白·沃伦(Elizabeth Warren)和参议院多数党领袖查克·舒默(Chuck Schumer)在内的一些著名民主党议员正在敦促总统为借款人提供更多救济，并免除每人最多5万美元。</blockquote> But those with debt from private student loans are still on the hook for their regular monthly minimum payments.<blockquote>但那些背负私人学生贷款债务的人仍然需要支付每月最低还款额。</blockquote> If you're one of those borrowers, refinancing to a lower rate or shorter term could save you thousands in interest fees and shave years off your debt.<blockquote>如果您是这些借款人之一，以较低利率或较短期限进行再融资可以为您节省数千美元的利息费用，并减少数年的债务。</blockquote> According to online loan marketplace, Credible, refinancing could slash your interest rate by more than 2 full percentage points and add up to substantial interest savings over the life of the loan.<blockquote>根据在线贷款市场，可信，再融资可以削减你的利率超过2个百分点，并在贷款期限内节省大量利息。</blockquote> To maximize your savings,compare loan offers from multiple lendersto lock in the lowest refinance rate possible.<blockquote>为了最大限度地提高您的储蓄，请比较多个贷方的贷款报价，以锁定尽可能低的再融资利率。</blockquote> Ride the red-hot stock market<blockquote>驾驭火热的股市</blockquote> Current low interest rates mean you won't earn much if you put money in a savings account. If you’ve got the appetite to take on a bit more risk, you could consider putting your money in investments.<blockquote>目前的低利率意味着如果你把钱存入储蓄账户，你赚不了多少钱。如果您愿意承担更多风险，您可以考虑将资金投入投资。</blockquote> Even if you don’t have much to put aside, you can download a popular app that allows you toinvest with your “spare change”, and turn your pennies into a diversified portfolio.<blockquote>即使你没有太多钱可以存，你也可以下载一个流行的应用程序，让你用你的“零钱”进行投资，把你的便士变成一个多元化的投资组合。</blockquote> Or, if you’re still apprehensive about the stock market, you could look intoinvesting in farmland. This stable, profitable asset has been known to offer better returns than real estate and stocks, according to data from the investing platform FarmTogether.<blockquote>或者，如果您仍然对股市感到担忧，您可以考虑投资农田。根据投资平台FarmTogether的数据，众所周知，这种稳定、盈利的资产比房地产和股票提供更好的回报。</blockquote>","source":"lsy1621813427262","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>5 wise money moves before the Fed starts raising interest rates again<blockquote>美联储再次开始加息前的5项明智资金举措</blockquote></title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n5 wise money moves before the Fed starts raising interest rates again<blockquote>美联储再次开始加息前的5项明智资金举措</blockquote>\n</h2>\n<h4 class=\"meta\">\n\nMoneyWise2021-07-03 09:45\n\n</h4>\n</header>\n<article>\nFederal Reserve Chairman Jerome Powell (pictured) and his colleagues have said the central bank will keep its benchmark interest rate near zero for the time being, despite gains made by the U.S. economy in recent months.<blockquote>美联储主席杰罗姆·鲍威尔（如图）及其同事表示，尽管美国经济近几个月有所增长，但美联储将暂时将基准利率维持在接近零的水平。</blockquote> But rates won’t stay low forever. As the economy recovers from the worst of the COVID-19 pandemic, inflation is rising and more people are getting back to work. This has led the Fed to indicate a rate hike could come as soon as 2023 — moved up from its previous plan to wait until 2024.<blockquote>但利率不会永远保持在低位。随着经济从COVID-19大流行最严重的时期中复苏，通货膨胀正在上升，更多的人正在重返工作岗位。这导致美联储表示最早可能在2023年加息——高于此前等到2024年的计划。</blockquote> For consumers, that means now may be the time tosplurge on a fun purchaseor take out a loan for something they need.<blockquote>对于消费者来说，这意味着现在可能是花钱购买有趣的买家或贷款购买他们需要的东西的时候了。</blockquote> Here are five money moves you should make before rates rise.<blockquote>以下是您在利率上升之前应该采取的五项资金举措。</blockquote> Refinance your home loan<blockquote>为您的房屋贷款再融资</blockquote> Mortgage rates fell to record-breaking lows during the pandemic, but they’re slowly creeping up as the economy continues to recover from COVID-19.<blockquote>在疫情期间，抵押贷款利率跌至创纪录低点，但随着经济继续从COVID-19中复苏，抵押贷款利率正在缓慢上升。</blockquote> While rates are currently at historically low levels, experts predict they will rise to 4% this year — which means now's the time to act if you’ve been mulling a refinance.<blockquote>虽然利率目前处于历史低位，但专家预测今年将升至4%——这意味着如果您一直在考虑再融资，现在是采取行动的时候了。</blockquote> An estimated 14.1 million Americans have the opportunity to refi andsave an average $287 a month, according to recent research from mortgage technology and data provider Black Knight.<blockquote>根据抵押贷款技术和数据提供商Black Knight最近的研究，估计有1410万美国人有机会进行再融资，平均每月节省287美元。</blockquote> Alternatively, rising house prices offer homeowners an opportunity to leverage their home equity to fund home improvement projects, pay down debt or cover their children’s education funds.<blockquote>或者，房价上涨为房主提供了利用房屋净值为家居装修项目提供资金、偿还债务或支付孩子教育资金的机会。</blockquote> Consolidate your debt<blockquote>合并您的债务</blockquote> The pandemic made it difficult for Americans to travel, eat in restaurants or spend on retail purchases, and many used the money they didn't spend on those activities to increase their savings and pay down debt.<blockquote>疫情使美国人难以旅行、在餐馆吃饭或进行零售购物，许多人用他们没有花在这些活动上的钱来增加储蓄和偿还债务。</blockquote> The number of consumers who paid off their credit card balances in full every month reached an all-time high of 35.1% late last year, according to a report from the American Bankers Association.<blockquote>根据美国银行家协会的一份报告，去年年底，每月全额还清信用卡余额的消费者数量达到了35.1%的历史新高。</blockquote> Still, many households are struggling to make ends meet. And, with unemployment benefits ending in many states across the country, those still out of work or living on reduced incomes may have had to give up their debt repayment plans to focus on immediate needs.<blockquote>尽管如此，许多家庭仍在努力维持生计。而且，随着全国许多州失业救济金的结束，那些仍然失业或收入减少的人可能不得不放弃债务偿还计划，专注于眼前的需求。</blockquote> If you’ve been relying on your credit cards to carry you through, the expensive interest is going to add up quickly.<blockquote>如果你一直依靠信用卡度过难关，昂贵的利息会很快增加。</blockquote> For those who can’t borrow from their home equity to pay off card balances, adebt consolidation loancould help you get rid of debt sooner and save you a ton on expensive interest.<blockquote>对于那些无法从房屋净值中借款来偿还卡余额的人来说，债务合并贷款可以帮助您更快摆脱债务，并为您节省大量昂贵的利息。</blockquote> Work on your credit score<blockquote>提高您的信用评分</blockquote> While today's low rates make it easier to take out loans, you'll find it more expensive to borrow when rates do go up.<blockquote>虽然今天的低利率使贷款变得更容易，但当利率上升时，你会发现借贷成本更高。</blockquote> Today, it's easy to take afree peek at your credit score. So now’s the time to work on improving that score to ensure you’ll continue to be able to borrow at the lowest-possible rates.<blockquote>今天，很容易免费查看您的信用评分。因此，现在是时候努力提高该分数，以确保您能够继续以尽可能低的利率借款。</blockquote> Boosting your credit scorea few hundred pointswill make you a more attractive borrower to all types of lenders – from credit-card issuers to those offering mortgages.<blockquote>将您的信用评分提高几百分将使您成为对所有类型贷方（从信用卡发卡机构到提供抵押贷款的机构）更具吸引力的借款人。</blockquote> Refinance your student loans<blockquote>为您的学生贷款再融资</blockquote> Federal student loan payments are paused until October but some prominent Democratic lawmakers, including Sen. Elizabeth Warren and Senate Majority Leader Chuck Schumer, are pushing the president to provide more relief for borrowers and forgive up to $50,000 per person.<blockquote>联邦学生贷款支付暂停至10月份，但包括参议员伊丽莎白·沃伦(Elizabeth Warren)和参议院多数党领袖查克·舒默(Chuck Schumer)在内的一些著名民主党议员正在敦促总统为借款人提供更多救济，并免除每人最多5万美元。</blockquote> But those with debt from private student loans are still on the hook for their regular monthly minimum payments.<blockquote>但那些背负私人学生贷款债务的人仍然需要支付每月最低还款额。</blockquote> If you're one of those borrowers, refinancing to a lower rate or shorter term could save you thousands in interest fees and shave years off your debt.<blockquote>如果您是这些借款人之一，以较低利率或较短期限进行再融资可以为您节省数千美元的利息费用，并减少数年的债务。</blockquote> According to online loan marketplace, Credible, refinancing could slash your interest rate by more than 2 full percentage points and add up to substantial interest savings over the life of the loan.<blockquote>根据在线贷款市场，可信，再融资可以削减你的利率超过2个百分点，并在贷款期限内节省大量利息。</blockquote> To maximize your savings,compare loan offers from multiple lendersto lock in the lowest refinance rate possible.<blockquote>为了最大限度地提高您的储蓄，请比较多个贷方的贷款报价，以锁定尽可能低的再融资利率。</blockquote> Ride the red-hot stock market<blockquote>驾驭火热的股市</blockquote> Current low interest rates mean you won't earn much if you put money in a savings account. If you’ve got the appetite to take on a bit more risk, you could consider putting your money in investments.<blockquote>目前的低利率意味着如果你把钱存入储蓄账户，你赚不了多少钱。如果您愿意承担更多风险，您可以考虑将资金投入投资。</blockquote> Even if you don’t have much to put aside, you can download a popular app that allows you toinvest with your “spare change”, and turn your pennies into a diversified portfolio.<blockquote>即使你没有太多钱可以存，你也可以下载一个流行的应用程序，让你用你的“零钱”进行投资，把你的便士变成一个多元化的投资组合。</blockquote> Or, if you’re still apprehensive about the stock market, you could look intoinvesting in farmland. This stable, profitable asset has been known to offer better returns than real estate and stocks, according to data from the investing platform FarmTogether.<blockquote>或者，如果您仍然对股市感到担忧，您可以考虑投资农田。根据投资平台FarmTogether的数据，众所周知，这种稳定、盈利的资产比房地产和股票提供更好的回报。</blockquote>\n<div class=\"bt-text\">\n\n\n 来源：<a href=\"https://finance.yahoo.com/news/5-wise-money-moves-fed-160000889.html\">MoneyWise</a>\n为提升您的阅读体验，我们对本页面进行了排版优化\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"SPY":"标普500ETF",".DJI":"道琼斯",".SPX":"S&P 500 Index",".IXIC":"NASDAQ Composite"},"source_url":"https://finance.yahoo.com/news/5-wise-money-moves-fed-160000889.html","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1171891885","content_text":"Federal Reserve Chairman Jerome Powell (pictured) and his colleagues have said the central bank will keep its benchmark interest rate near zero for the time being, despite gains made by the U.S. economy in recent months.\nBut rates won’t stay low forever. As the economy recovers from the worst of the COVID-19 pandemic, inflation is rising and more people are getting back to work. This has led the Fed to indicate a rate hike could come as soon as 2023 — moved up from its previous plan to wait until 2024.\nFor consumers, that means now may be the time tosplurge on a fun purchaseor take out a loan for something they need.\nHere are five money moves you should make before rates rise.\nRefinance your home loan\nMortgage rates fell to record-breaking lows during the pandemic, but they’re slowly creeping up as the economy continues to recover from COVID-19.\nWhile rates are currently at historically low levels, experts predict they will rise to 4% this year — which means now's the time to act if you’ve been mulling a refinance.\nAn estimated 14.1 million Americans have the opportunity to refi andsave an average $287 a month, according to recent research from mortgage technology and data provider Black Knight.\nAlternatively, rising house prices offer homeowners an opportunity to leverage their home equity to fund home improvement projects, pay down debt or cover their children’s education funds.\nConsolidate your debt\nThe pandemic made it difficult for Americans to travel, eat in restaurants or spend on retail purchases, and many used the money they didn't spend on those activities to increase their savings and pay down debt.\nThe number of consumers who paid off their credit card balances in full every month reached an all-time high of 35.1% late last year, according to a report from the American Bankers Association.\nStill, many households are struggling to make ends meet. And, with unemployment benefits ending in many states across the country, those still out of work or living on reduced incomes may have had to give up their debt repayment plans to focus on immediate needs.\nIf you’ve been relying on your credit cards to carry you through, the expensive interest is going to add up quickly.\nFor those who can’t borrow from their home equity to pay off card balances, adebt consolidation loancould help you get rid of debt sooner and save you a ton on expensive interest.\nWork on your credit score\nWhile today's low rates make it easier to take out loans, you'll find it more expensive to borrow when rates do go up.\nToday, it's easy to take afree peek at your credit score. So now’s the time to work on improving that score to ensure you’ll continue to be able to borrow at the lowest-possible rates.\nBoosting your credit scorea few hundred pointswill make you a more attractive borrower to all types of lenders – from credit-card issuers to those offering mortgages.\nRefinance your student loans\nFederal student loan payments are paused until October but some prominent Democratic lawmakers, including Sen. Elizabeth Warren and Senate Majority Leader Chuck Schumer, are pushing the president to provide more relief for borrowers and forgive up to $50,000 per person.\nBut those with debt from private student loans are still on the hook for their regular monthly minimum payments.\nIf you're one of those borrowers, refinancing to a lower rate or shorter term could save you thousands in interest fees and shave years off your debt.\nAccording to online loan marketplace, Credible, refinancing could slash your interest rate by more than 2 full percentage points and add up to substantial interest savings over the life of the loan.\nTo maximize your savings,compare loan offers from multiple lendersto lock in the lowest refinance rate possible.\nRide the red-hot stock market\nCurrent low interest rates mean you won't earn much if you put money in a savings account. If you’ve got the appetite to take on a bit more risk, you could consider putting your money in investments.\nEven if you don’t have much to put aside, you can download a popular app that allows you toinvest with your “spare change”, and turn your pennies into a diversified portfolio.\nOr, if you’re still apprehensive about the stock market, you could look intoinvesting in farmland. This stable, profitable asset has been known to offer better returns than real estate and stocks, according to data from the investing platform FarmTogether.","news_type":1,"symbols_score_info":{".DJI":0.9,"SPY":0.9,".IXIC":0.9,".SPX":0.9}},"isVote":1,"tweetType":1,"viewCount":1450,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":[],"verified":2,"subType":0,"readableState":1,"langContent":"EN","currentLanguage":"EN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"andRepostAutoSelectedFlag":false,"upFlag":false,"length":7,"xxTargetLangEnum":"ORIG"},"commentList":[],"hasMoreComment":false,"orderType":2}

5 wise money moves before the Fed starts raising interest rates again<blockquote>美联储再次开始加息前的5项明智资金举措</blockquote>

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