HTTP/1.1 200 OK Cache-Control: no-cache, private Content-Type: text/html; charset=UTF-8 Date: Thu, 03 Dec 2020 10:33:18 GMT 佐佐木明希中文在线

What Is a Finance Charge, and How Do I Avoid Paying One?

If you're savvy, you can avoid credit card finance charges entirely.

U.S. News & World Report

What Is a Finance Charge?

Internet mobile banking and internet of things concept

If you pay off your statement balance completely during a grace period, you could dodge interest charges altogether. (Getty Images)

Borrowing money typically costs money, and credit cards are no exception. One of the advantages of having a credit card is that you don't have to pay off your balance each month. But that perk comes at a price, called a finance charge.

revision
adj. 优雅的,精美的,俊美的

Here's what you need to know about credit card finance charges, how they're calculated and what you can do to avoid them.

How Credit Card Finance Charges Work

Vietnamese press claim chicken, sturgeon, fruit and vegetables from China have been undercutting local market prices. While illegal out-of-date produce is creating a black market in China.

Carrying a balance. If you don't pay your balance in full by the due date each month and there is no promotional 0% APR period, you will incur a finance charge based on your card's APR and the remaining balance.

Generally, credit cards require relatively low minimum payments compared with balances. While some credit card issuers include interest charges in the minimum payment, others just charge a flat percentage. "If this minimum is less than the accrued interest," says James Philpot, certified financial planner and associate professor in the department of finance and general business at Missouri State University, "you will effectively be borrowing more money from your card issuer in order to pay interest."

Transferring a balance. If you transfer a balance from one card to another, you may incur a finance charge in the form of a balance transfer fee. You may also pay interest on the balance unless the card has an introductory 0% APR balance transfer promotion. Check the card's terms before you submit your request.

Requesting a cash advance. If you use your credit card to get cash from an ATM, interest will start accruing immediately from the date of the transaction, with no grace period. The APR for credit card cash advances is often higher than the APR for purchases.

Making a foreign transaction. A foreign transaction on your credit card, whether in a foreign country or currency, can incur a foreign transaction fee. This fee is typically about 3 percent of the transaction.

How Credit Card Companies Calculate Finance Charges

[pr?'tekn]

5. 杜克大学福库商学院
What growth dollar exports did see among major trading partners came from shipments to the US, which rose 5.5 per cent year on year to $37.06bn. Exports to South Korea also showed growth of 8.3 per cent to $10.2bn.
201001/94005.shtml【英文原文】
美国总统奥巴马以每年40万美元的收入高居榜首,同时还拥有5万美元的免税账目。国会最近一次给美国总统加薪是在2001年。
单词benefit 联想记忆:
Peace and love for you at New Year from all your students.祝老师新年充满平安和爱。

对于很多西方白人来说,取得“获得性身份认同”(登上山巅)的机会似乎已经变得遥不可及。所以“先赋性身份认同”——也就是他们的“白”——变得比以往更加重要起来。
这篇文章指出,食用有益于心脏的食物是防止痴呆、保护记忆力的关键。一些心脏病的并发症和阿尔茨海默症以及痴呆症的并发症十分相似,因此研究阿尔茨海默症和痴呆症的教授们认为,有益于心脏的食物大概也有益于大脑和记忆。水果、蔬菜、全麦面包、豆子、坚果和橄榄油都有对心脏有益。如果这10个方法你不能都采用的话,一个健康的饮食至少能让你不要丢失记性。
又或者,今年是一群有跟虐待、性或其他有关的故事要讲的女性。她们其中几个人在我们的页面上分享了“我也是”(#MeToo)的经历。卡洛塔·加尔(Carlotta Gall)讲述了汉达·阿亚里(Henda Ayari)的故事。后者是一名拥有北非血统的法国公民,也是一名反萨拉菲派活动人士。她指控牛津大学某知名教授强奸了她。
The ranking rates the best 100 programmes worldwide for working senior executives.

'安全提示问题'并不安全
消费支出的上涨反过来促使了更多的租赁和投资以跟上上涨的销量。使美国经济自2005年来经济增长率首次达到3%以上。
后来,通用汽车在1958年设计出一款无人驾驶汽车,其原理是:由线圈感知道路中所嵌入电线的交流电信号,并相应地调整方向盘。然而汽车确实能自主驾驶,但并不能称为第一辆全自动驾驶汽车,因为它必须依赖嵌在地面的电线。在日本的筑波机械工程实验室,津川和他的几个同事发明了世界上第一辆自动驾驶汽车。然而,德国工程师恩斯特·迪克斯被称为无人驾驶汽车的先驱。1987年,他发明的"极速",时速超过90千米(56英里/小时),行驶了大约20千米(12分钟)。7年后,他发明的VaMP,不但可以识别道路标记,而且能定位自己在车道内的位置,还能勘测其他车辆,甚至能判断何时该变道。一年后,他和他的团队发明的自动驾驶汽车,从德国行驶到丹麦,最高时速为180千米(111英里/小时)。整段旅程中,仅有5%左右的路程是人为驾驶。
最佳男歌手:杰森·阿尔丁

Note, however, that some credit card issuers compound interest on a daily basis, so your calculation may be even more complicated than this one.

How to Avoid Paying Credit Card Finance Charges

超过35万的欧洲玩家(还有一些北美和亚洲玩家)带着朝圣般的心情,赶赴人口刚过100万的德国科隆市,参加一年一度的游戏盛会。美国动视(Activision)在展览中首次公布了Sledgehammer Games工作室的多人游戏《使命召唤:高级战争》(Call of Duty: Advanced Warfare),现场玩家亲身体验了这款将于11月3日正式发布的游戏。
Mr Cook’s decision to expand its cash return programme of dividends and share buybacks helped to defuse the situation with the activists, returning $94bn to date. In the end, he stared down the challenge just long enough for the next wave of iPhone growth to hit and new products to emerge from Sir Jonathan Ive’s workshop.

Take advantage of your grace period. Most credit cards offer a grace period on purchases. If your credit card has one, it typically runs from the end of your billing cycle to your payment due date. By law, you must receive your credit card bill at least 21 days before it is due.

OUTDOOR SPACE: The property is just shy of an acre and a half.
The Amsterdam crisis began when a Dutch group known as the Seppenwolde syndicate made a big, contrarian bet on the shares of East India Company. Those shares had plunged in 1771 mainly because of losses in Bengal, but the company kept paying high dividends and covered up its shortfalls by borrowing money. Convinced that East India shares would quickly rebound, the Seppenwolde group aggressively bought them on margin. But instead of rebounding, the shares fell even further after the company slashed its dividend.
con全部+tin拿住+uous→连续不断的
BABYLON (Sundance, Thursday) James Nesbitt, recently seen as the obsessed father of a long-vanished child in “The Missing,” shows up here in a very different role: as a calculating old-school police commissioner who hires an American public-relations expert (Brit Marling) to update the image of Scotland Yard. Danny Boyle (“Slumdog Millionaire”) created this satirical drama, which bears some resemblance to Armando Iannucci’s political comedy film “In the Loop.”

['p?:n]
抓好金融体制改革。
她笔下的人物们觉得自己为了登上“美国梦”的山巅,经历了漫长的排队等候,但是上山的队伍放慢了速度,甚至停顿下来了。而那些移民、黑人和其他“外来者”似乎还在插队。

n. 反映,映像,折射,沉思,影响
历史会这样回首2012年:这一年,中国“第五代”领导层亮相,同时中国经济转向较低速增长的轨道。这种转变发生的背景,将是一系列令人畏惧的国内挑战——不断增加的社会不安定,不断扩大的收入差距,以及生态和人为的灾难——加上不断升级的外部紧张,这源于美国重新转向亚洲,同时亚太邻国对中国的经济崛起越来越感到忧虑。

3. Jia Junpeng, your mom wants you to go home for dinner.”
"What China is lacking is not legislation but strict enforcement."
201007/109869.shtml

上周,希拉里的竞选团队负责人约翰·波德斯塔表示,希拉里很可能会挑选一名女性作为她的副总统获选人。很快有人猜测,为了吸引女性选民,她的竞选伙伴很可能是马萨诸塞州参议员伊莉莎白·华伦。她是一名非常受女性欢迎的、激进的参选者。
It was last above 50 - the threshold separating contraction from expansion - in February.
The 25 most common passwords have been released by Splashdata which makes password management applications.
排名:第三

Use a 0% APR promotion. Some credit cards offer an introductory 0% APR promotion to new cardholders, waiving interest charges on purchases, balance transfers or both transactions for a set period.

greenhouse
7. 《出局:禁止接触》(Out 1: Noli Me Tangere),导演:雅克·里维特(Jacques Rivette)。
祝新年快乐,并致以良好的祝福。

8.Please aid the Olympic authorities and organisers by demonstrating at all times that you are not a terrorist. Do not perspire, take off your shoes, smile in a weird way while texting someone, or point and shout: "Hey! Look at all those missiles on that roof over there!" In fact, if you're not using your hands for anything, it's probably best if you keep them in the air where everybody can see them.
Anyone can have a bad day at the office, but this disappointing performance at Christie’s followed an old masters sale in July that took in 19 million against a low estimate of 31.5 million.
在即将结束的2014年,标普500指数再次实现亮眼增长,而那些本欲跑赢该指数的基金经理们,表现则没那么出色。Lipper公司称,截止11月底,85%的活跃股票型共同基金经理业绩低于标普500指数。而在正常的年份里,跑赢该指数的基金经理比例是今年的两倍,也就是说,通常只有约三分之二的基金表现不如标普500指数。Lipper公司称,这是30年来活跃基金经理相对大盘表现最差的一年。
Warm hearted wishes for a happy New Year filled with all your favorite things.
奥运会是世界各国放下分歧、从事体育运动的时刻。不过这究竟能否付诸实践,还是有争议的。虽然运动员们一定会专注于比赛,不过长期存在的分歧很难会被他们的祖国遗忘,即使是暂时遗忘。

最近雇主已经加大招聘力度。劳工部数据显示,10月份新增就业岗位17.1万个,今年以来平均每个月增加15.7万个。这个速度高于去年,并且是2006年以来最强劲的就业增长。[qh]
And, this year, Star Wars found its way onto the list as well, with ‘starwars’ claiming the 16th spot.
何塞安东尼奥梅亚德(José Antonio Meade)会成为下一任墨西哥总统吗?
Imports grew 6.7 per cent year-on-year to $152.2bn after falling 1.4 per cent the previous month, according to China’s General Administration of Customs, defying a median forecast predicting contraction would worsen to 1.9 per cent.

4. 蕾哈娜
内衣秀以马戏表演开始,包括杂技,吞剑和踩高跷。然后贾斯汀比伯,蕾哈娜和布鲁斯马斯登场。

Forgo certain activities. Because many cards charge fees for balance transfers, cash advances and foreign purchases, consider refraining from these activities, or try to find a card that waives these fees.

Some balance transfer credit cards, for instance, will waive the balance transfer fee for new cardholders for a short period. Also, many travel credit cards don't charge a foreign transaction fee.

Always Read the Fine Print

《在生前留下的物品中回忆世界上最长寿的人》(Remembering the World’s Oldest Person, in the Objects She Left Behind)
['s?r?git]
这种增长为中国电影业未来的发展奠定了坚实的基础。
It is the first biography to win the prize, although Mr Greenspan’s autobiography, The Age of Turbulence, was shortlisted in 2007, the year before the financial crisis raised serious questions about the central banker’s legacy.

第一架无线电操纵的无人驾驶飞机可追溯到1916年。英国发明家阿奇博尔德·洛设计并试飞了第一架无人遥控飞机。它是为了反攻德国齐柏林飞艇而制作的,在第一次世界大战中参与了对地面攻击的战斗。无人机由木和锡制成,它的机翼用的是其他双翼飞机的较低机翼。总的来说,无人机是有些失败的,因为它的引擎噪音干扰了无线操作。1916年,索普威斯飞松公司也尝试制作无人机,他们将无线电设备放置在无人机的尾部,这样引擎就不会干扰到它的信号。但因一次地面上的意外事故,他们的无人机再未起飞:当洛操作无人机飞到高级军官面前时,他原本计划会在1917年再次试飞无人机。但无人机从卡车的后面发射后,飞了一段时间便因引擎故障而坠毁,差点要了在场的军官的命。
单词figure 联想记忆:

[f]
"It's a great conservation success story."
测试采用闭卷形式,长达两个半小时。理论上说,妮诗的测试成绩以及由此推算出的162分智商比大名鼎鼎的物理学家爱因斯坦还要高2分。
在过去的12个月里,这位22岁的T台女王兼真人秀明星赚得2200万美元,首次登顶福布斯模特收入榜。
唐同学怀疑水中被混合了有毒物质,便把此事报告给班长和老师。