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BEIJING， March 12 (Xinhua) -- Chinese snowboarder Cai Xuetong defended her halfpipe title at the Sierra Nevada 2017 FIS Freestyle Ski and Snowboard World Championships on Saturday.

The 2015 world champion nailed the victory in her first run which earned 90.75 points. "I'm so excited. There are no other words. I'm just so happy. I had one run in mind， and I put it down. That was the goal for the day，" she said.

Cai is the second woman in history to have defended the halfpipe world championship since Doriane Vidal of France won in 2001， 2003 and 2005.

Haruna Matsumoto of Japan and 2015 bronze medalist Clemence Grimal of France rounded out the podium.

The 22-year-old Scotty James from Australia， 2017 World Cup winner， scored a massive 95.75 points in the first run for the men's gold.

Olympic champion Iouri Podladtchikov and Pat Burgener， both of Switzerland， finished second and third， respectively.

Sapporo Asian Winter Games gold meadlist Zhang Yiwei from China was fifth out of 10 finalists.

Finance > Insurance > Home InsuranceLower Bills With Debt Consolidation 聳 Refinancing Vs Home Equity Loan

Posted by nick_niesen in Finance on October 29th, 2010

Consolidating your debt can help you lower your monthly bills and interest rates. While refinancing and home equity loans can both help you pay off accounts, they have their own benefits. The best choice depends on your current mortgage terms and future financial goals.

The Goal Of Debt Consolidation

The goal of debt consolidation is to pay off your current debt with a new, lower rate loan. The lower your rates, the more of a savings your pocketbook will see each month. But loan fees can eat into those savings.

Extending your loan term can also lower your monthly payments. But your interest costs will be higher over the life of the loan than if you choose a shorter term.

For debt consolidation to be most affective, plan on paying off and closing accounts as soon as your receive your loan amount. That way you won聮t be paying interest on two account or be tempted to use your credit.

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