沒還貸款‧抵押品贖回權將取消

假設我沒償還分期付款，金融機構會怎麼做？

假設你連續3次沒償還分期付款，金融機構將採取必要行動以收回貸款。最糟的情況，是金融機構將 取消你的抵押品贖回權，並出售以償還貸款。

借貸者仍需繳付房屋拍賣價格及所欠款項的差價。

何為償還分期付款最方便之途徑？

金融機構提供各種服務讓你與銀行交易更輕鬆。以下是償還分期付款的各種管道：

―開設一個儲蓄/來往戶頭，並以最少收費安排常務性的指示。（若你將存款及貸款戶頭放在同一家 銀行可能免收費）

―透過提款機轉賬

―網絡銀行

―手機銀行服務

―將支票存入存款機器或直接郵寄支票予你的金融機構

假設我被提供更低的利息，是否應該考慮再融資？

考慮再融資主要是涉及成本。若你還記得，你已花費相當數額的費用以獲取你的第一筆貸款。舉例， 程序費、律師費、印花稅及轉讓費。

再融資意味著你必須再次繳付相同的費用。在你決定再融資前，你必須確保低利息所省下的費用足以 補償再度融資的成本，包括罰款及其他費用。

From: 星洲日報／投資致富‧外匯利率‧

2010.05.29

Company Profile:

Company Profile: Think Beyond the Label

About Think Beyond the Label

Think Beyond the Label is committed to making the business case for employing people with disabilities. We are a partnership of health and human service and employment agencies with federal grants, coming together to build a uniform national infrastructure and approach that connects businesses to qualified candidates with disabilities. Our goal is simple: to raise awareness that hiring people with disabilities makes good business sense. Employees with disabilities have unique, competitively relevant knowledge and perspectives about work processes, bringing different perspectives to meeting work requirements and goals successfully. Hiring someone who “thinks outside the box” might be thinking too small when there’s an opportunity to hire someone who lives outside the box.

Health & Disability Advocates (HDA), is a national nonprofit organization that promotes income security and improved health care access for children, people with disabilities, and low-income older adults. HDA is spearheading the Think Beyond the Label campaign on behalf of more than 40 states and various national and regional organizations by serving as its fiscal agent.

Company Website:

http://www.thinkbeyondthelabel.com/Default.aspx

About People: Seth Godin

Seth Godin (born July 10, 1960) is an entrepreneur, author and public speaker.

At 14, Godin took his first steps into entrepreneurship printing Biorhythms at the local university and selling them for $30 each. At 16, Godin founded a ski club and took a group of 50-60 children to ski by his house in Buffalo every week. Around this time Godin is also known to have worked at a fast food outlet and in media sales.

Godin graduated from Tufts University in 1982 with a degree in computer science and philosophy. Godin earned his MBA in marketing from Stanford Business School. From 1983 to 1986, he worked as a brand manager at Spinnaker Software. For a time Godin commuted every week between California and Boston both to do his new job and to complete his MBA.

After leaving Spinnaker Software in 1986, Godin became a book packager. It was in the same offices that Godin met Mark Hurst and founded Yoyodyne. After a few years Godin sold the book packaging business to his employees and focused his efforts on Yoyodyne, one of the first online marketing companies. It was with Yoyodyne that Godin came up with the concept of permission marketing. For a period of time, Godin served as a columnist for Fast Company

Godin and his wife Helene now live in Hastings-on-Hudson, New York.

I have read a couples of his book:

1. Godin, Seth (2010). Linchpin: Are You Indispensable?. Portfolio Hardcover

2. Godin, Seth (2005). All Marketers Are Liars: The Power of Telling Authentic Stories in a Low-Trust World. Portfolio Hardcover.

You know what? Both of the books are amazing. I have read them twice.

Meanwhile, you should check on his blog or website:

http://sethgodin.typepad.com/

Obama Defends Spill Response, Says Drilling Risks Will Rise

President Barack Obama defended his administration’s response to the BP Plc oil spill and said Americans one day must decide how much risk they will tolerate to keep drilling for fossil fuels.

While domestic oil production remains an important part of U.S. energy policy, the “unprecedented disaster” unfolding in the Gulf of Mexico should be “a wake-up call” that will spur the transition to alternative energy sources, Obama said.

“We as a society are going to have to make some very serious determinations in terms of what risks are we willing to accept” in extending exploration into ever more remote locations, Obama said at a White House news conference today.

In the aftermath of the BP spill, Obama is suspending exploration in two areas off Alaska, canceling pending lease sales in the Gulf of Mexico and proposed sales off Virginia’s coast, extending by six months a moratorium on deepwater drilling permits and suspending operations at all 33 exploratory wells being drilled in the Gulf. He also said more must be done to wipe out the “cozy and sometime corrupt relationship” between oil companies and federal officials who regulate them.

Obama’s decision to delay leases signals that two decades of “pro-drilling sentiment appears to have reached its turning point,” Kevin Book, a managing director at ClearView Energy Partners LLC, a Washington-based policy analysis firm, said today in a note to investors.

Taking Responsibility

Obama, who is scheduled to visit the Gulf coast tomorrow, said the federal government is fully in charge of stopping the oil leak and cleaning up the Gulf of Mexico, after weeks of criticism, including from some Democrats, for not acting more forcefully since the disaster began April 20.

“I take responsibility,” he said. “It is my job to make sure that everything is done to shut this down.”

He rejected criticism that he’s let BP run the process.

“Every key decision and action that they take must be approved by us in advance,” he said. “This notion that somehow the federal government is sitting on the sidelines” while BP is making decisions “is simply not true.”

In the wake of criticism of the government’s oversight of energy exploration, the head of the Minerals Management Service, Elizabeth Birnbaum, submitted her resignation from the post she’s held since last July.

“This oil spill has made clear that more reforms are needed,” Obama said. He said he bears responsibility for the lagging efforts to overhaul the agency’s culture.

Policy Review

Obama’s comments and the changes in drilling policy follow a 30-day safety review on offshore drilling the president ordered from Interior Secretary Ken Salazar following the explosion and fire aboard a drilling rig leased by BP, which caused the massive oil spill.

His remarks didn’t quell criticism. The National Republican Senatorial Committee issued a statement citing Obama’s “failed leadership” and saying he “continued to blame President George W. Bush” to avoid responsibility.

Republican Representative Steve Scalise of Louisiana said the administration was slow to come up with a plan to protect coastal marshes.

“If all hands were on deck the president would have rolled up his sleeves Day One,” he said at a hearing. “It didn’t happen for over two weeks.”

Falling Short

Obama said the government response has fallen short in some areas. The effort to protect shorelines, for example, “hasn’t been as nimble as it needs to be,” he said. Government agencies may have underestimated how bad a “worst-case” incident on a deepwater rig might be, he said.

“Inevitably, in things this big, there are going to be places where things fall short,” Obama said.

BP continues to be taking the lead in the work to cap the leak 5,000 feet below the surface because the company has the “best technology” to perform the operation, he said.

The government is working on the surface cleanup and “we will demand they pay every dime” for the damage done to the environment and the hardship on Gulf businesses, Obama said.

Obama said he believes BP’s interests are “aligned” with the public interest in seeing that the leak is stopped. “They want this thing capped as badly as anyone does,” he said.

Where the company’s interest may diverge is in assessing the impact of the spill and “we have to verify whatever they have to say about the damage,” he said.

Obama said he still views domestic oil production as an integral part of the U.S.’s energy mix while the country moves toward clean-energy alternatives.

“Where I was wrong was in my belief that the oil companies had their act together when it came to worst-case scenarios,” he said.

BP began pumping mud-like drilling fluid into the well yesterday in a procedure known as a “top kill.” U.S. Coast Guard Admiral Thad Allen said the work has temporarily stopped the flow of oil and natural gas, though it isn’t yet certain that the technique will be a permanent fix.

Company Profile: Foxconn Technology Group

Guided by a belief that the electronics products would be an integral part of everyday life in every office and in every home, Terry Gou founded Hon Hai Precision Industry Company Ltd, the anchor company of Foxconn Technology Group in 1974 with US$7,500, a devotion in integrating expertise for mechanical and electrical parts and an uncommon concept to provide the lowest "total cost" solution to increase the affordability of electronics products for all mankind.

Today, Foxconn Technology Group is the most dependable partner for joint-design, joint-development, manufacturing, assembly and after-sales services to global Computer, Communication and Consumer-electronics ("3C") leaders. Aided by its legendary green manufacturing execution, uncompromising customer devotion and its award-winning proprietary business model, eCMMS, Foxconn has been the most trusted name in contract manufacturing services (including CEM, EMS, ODM and CMMS) in the world.

Latest News:

Travel: Yungas Road

The North Yungas Road (alternatively known as Grove's Road, Coroico Road, Camino de las Yungas, El Camino de la Muerte, Road of Death or Death Road) is a 61-kilometre (38 mi) or 69-kilometre (43 mi) road^[1] leading from La Paz to Coroico, 56 kilometres (35 mi) northeast of La Paz in the Yungas region of Bolivia. It is legendary for its extreme danger and in 1995 the Inter-American Development Bank christened it as the "world's most dangerous road".^[2][3][4] One estimate is that 200 to 300 travellers were killed yearly along the road.^[4] The road includes crosses marking many of the spots where vehicles have fallen.

A South Yungas Road (Chulumani Road) exists that connects La Paz to Chulumani, 64 kilometres (40 mi) east of La Paz, and is considered to be nearly as dangerous as the north road.