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There is a television commercial that really annoys me. It begins with a man describing his beautiful home and nice car, but he admits that in order to have those things, he’s gotten in debt “up to his eyeballs.”
The premise is a common one: a family owns a good life through credit cards. It’s the advertisement’s conclusion that disturbs me, because it recommends consolidating debt to lower monthly payments. I suppose I can’t blame the lender that created the ad. However, I do have a problem with the premise that lowering monthly payments is a sound way. It appears the government is becoming concerned as well.
Pressure from the government has also led some of the major credit – card issuers to increase their minimum monthly payment requirements from around 2 percent per month to 4 percent. I welcome this move.
If you have a credit – card balance (余欠之款额) of $ 10,000 and make only the 2 percent minimum payment each month, your balance will not be paid off for about 58 years and you would have paid nearly $ 29,000 in interest. At a 4 percent monthly payment rate, your balance would be paid off in 15 years, and your interest expense would be a bit under $ 6,000.
For years, we have been encouraged to buy now, pay later. College students are given credit cards with credit limits too attractive to pass up. The availability of easy credit and very low repayment requirements has helped to create a generation of people who have been encouraged to buy whatever we want without having to save or wait for it. The result is a society with heavy debt.
If I could redesign that TV ad, I’d have an announcer talk about the problem with debt consolidation that is likely to happen, although it would not.
The premise is a common one: a family owns a good life through credit cards. It’s the advertisement’s conclusion that disturbs me, because it recommends consolidating debt to lower monthly payments. I suppose I can’t blame the lender that created the ad. However, I do have a problem with the premise that lowering monthly payments is a sound way. It appears the government is becoming concerned as well.
Pressure from the government has also led some of the major credit – card issuers to increase their minimum monthly payment requirements from around 2 percent per month to 4 percent. I welcome this move.
If you have a credit – card balance (余欠之款额) of $ 10,000 and make only the 2 percent minimum payment each month, your balance will not be paid off for about 58 years and you would have paid nearly $ 29,000 in interest. At a 4 percent monthly payment rate, your balance would be paid off in 15 years, and your interest expense would be a bit under $ 6,000.
For years, we have been encouraged to buy now, pay later. College students are given credit cards with credit limits too attractive to pass up. The availability of easy credit and very low repayment requirements has helped to create a generation of people who have been encouraged to buy whatever we want without having to save or wait for it. The result is a society with heavy debt.
If I could redesign that TV ad, I’d have an announcer talk about the problem with debt consolidation that is likely to happen, although it would not.
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有一个电视商业真的annoys我。它开始与一名男子描述他的美丽家园和尼斯轿车，但他承认，以便有这些事情，他的债务得到了在“直至他的眼球” 。 前提是一种常见的1 ：一个家庭拥有一个美好的生活，透过信用卡。它的广告的结论，即扰乱了我，因为它建议合并债务，降低每月付款。我想我不能责怪贷款人创造的广告。不过，我这样做有问题的前提下降低每月付款是一个合理的方式。看来，政府正在成为关注以及。 压力来自政府也带动了一些主要的信用卡-发卡机构，以增加他们的每月最低付款要求，从约2 ％每月至4 ％ 。我欢迎这一举动。 如果您有一个信用-卡余额（余欠之款额）万美元，使只有2 ％ ，最低付款金额每个月，您的余额将不会支付了约5 8年，你将付出近二九○○○美元的利息。在4 ％ ，每月付款率，您的余额将支付了15年来的，和您的利息开支将是一个位元下， $ 6000 。 多年来，我们一直鼓励现在购买，后付款。大学生给出了信用卡的信用额度太大的吸引力，通过了。提供容易信贷和非常低，还款要求，有利于创造的一代人谁已鼓励购买，无论我们希望不必保存或等待。其结果是社会沉重的债务。 如果我可以重新设计，电视广告，我想要有一个播音员谈论的问题与债务合并是可能发生的，虽然它不会。 一个电视广告真的困扰了我，广告的开始是一个男士在描述他豪宅和漂亮的汽车，但他承认他为了得到这些东西，他得到了让他瞠目结舌的债务。 这个前提很常见：一个家庭想要有美好的生活就要透支信用卡。这个广告的结论困扰着我，因为广告推荐通过统一债务来降低每月的还贷。我想我不能责怪这些创造广告的贷款方。但是，我对降低每月还贷是一个健全的方式表示疑问。看起来好像政府变的关心起来了。 政府的施压常常会导致大部分信用卡发行者增加最低的每月付款需求，从每月2％到每月4％。我很欢迎这样的举动。 如果你有一个1万美元的信用卡欠款余额和每月2％的最低偿还金额，你用58年都无法还清，并且你还要付出2万9千美元的利息。如果每月最低偿还金额是4％，你的债务将在15年内还清，你要付出的利息将会不到6千美元。 多年来，我们被鼓励先购物后付款。大学生可以得到信用额度非常诱人的信用卡，让人无法拒绝。这些轻松得到的赊帐和很低的偿还需求创造了一代人，这代人被鼓励去购买他们想要的而不需要存钱或者等待。这样就导致社会承受着重大的债务。 如果我可以重新设计这个广告，我会让一个广播员来谈论可能出现的债务统一的问题，虽然它还没有发生。 |
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