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When the Fed raises its benchmark interest rate, it's a short term interest rate called the Fed funds rate, it doesn't affect everybody's interest rates right away.
美联储提高的基准利率，是一种被称为联邦基金利率的短期利率，它不会立即影响每个人的利率。
But it has a ripple effect through the market.
但它会让整个市场产生连锁反应。
Basically, the rates will tend to go in the same direction and rise with the Fed's increases.
基本上，利率将与美联储同步变化，随着美联储加息而上升。
Americans should be prepared to see that their interest rates on their credit cards are going to start to rise.
美国人应该为信用卡利率上升做好准备。
If you haven't already bought a house and locked in a low mortgage rate, your house hunt is going to cost a little more because the interest rates will be up.
如果你还没有买房或不打算在近期以较低的按揭利率买房，买房的成本将会更高，因为利率将会上升。
Usually this happens because an economy is overheated, inflation starts to creep up, and the Fed's right on top of it.
发生这种情况通常是因为经济过热，通胀问题更加严重，美联储岌岌可危。
So by raising interest rates, the Fed is hoping to make borrowing costs higher to get people to maybe think twice about buying something.
因此，美联储希望通过提高利率来提高借贷成本，让人们在购买商品时三思而后行。
Because if they put it on my credit card, now my interest rate is going to be so much higher and I'll be paying that back.
因为如果用信用卡花了钱，现在利率要高很多，要还的钱就更多。
Or maybe it'll slow down the home buying market too.
这也可能会减缓房地产市场的发展。
I would recommend to Americans to start organizing their debt and looking at paying off the high interest rate debt if they can, as much as they can, because that's only gonna go higher.
我建议美国人开始管理他们的债务，如果可以的话，考虑偿还高利率债务，尽可能多地偿还，因为未来利率只会变得更高。
Like credit cards maybe, consolidating some of their debt into lower interest rate cards.
像信用卡的话，可以把一些债务整合到利率较低的信用卡中。
If you have a variable rate, maybe go lock in a fixed rate for your home.
如果你买房用的是变动利率，也许可以考虑换成固定利率。
Any sort of thing that's variable, try to negotiate into a fixed rate or a lower rate.
如果有任何可变利率的债务，试着协商调整为固定利率或更低的利率。
