#Kathryn Cowles
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*Knocking the door*
Trick or treat? 🦇🦇(<- Crushway bats)
🧡
Thanks for stopping by!
Hmm Crushway, you say? Ok, this is from a present day university AU that I’ve been playing with off and on for about a year!
“Come on, she’s cute. Don’t you think she’s cute?” Jack said, wiggling his eyebrows lasciviously. “She’s been watching you all night.”
“She doesn’t know anyone else here, Jack. Don’t be a pig,” Beverly rolled her eyes and slapped his arm playfully.
The truth was, though, she did think Kathryn was cute — gorgeous, even, in the backless top she had chosen for the party, it’s cowl neck hanging just low enough that you could catch a glimpse of ... “Stop it,” Beverly said firmly to herself.
She must have spoken aloud because Jack replied, “OK, jeez. You don’t have to get so bent out of shape. I was only teasing.”
#trick or treat#asks answered#crushway#beverly crusher#kathryn janeway#jack crusher#the first one#university AU#WIP#fanfic#i wrote this
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For the book recommendations :) Not in a particular order:
~Feel Something, Make Something - Caitlin Metz
~Eternal Sleepover - Emma Czerwinski and Cybelle Corwin
~Maps and Transcripts of the Ordinary World - Kathryn Cowles
~Their Eyes Were Watching God - Zora Neale Hurston
~Braiding Sweetgrass - Robin Wall Kimmerer
Thank you so much. I'm really looking forward to your book! (Unfortunately, I'm just not adept at review books.)
first of all, don't apologize! i'm just glad people are interested in reading :)
Lynda Barry, Syllabus
T Fleischmann, Time is the Thing a Body Moves Through
Bettina Judd, Patient.
Valeria Luiselli, The Story of My Teeth
Jesmyn Ward, Salvage the Bones
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stood in the shower today let water drip off my lids it wasn't crying it was shower water
“Shower Water” in Maps and Transcripts of the Ordinary World, by Kathryn Cowles
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A poem by Kathryn Cowles
Postcard O Brenda We saw a lamb on a spit for you today and took pictures saw its bared teeth and arms tied and a battery-powered turner saw it turn oh and loved its half-bakedness for you O Brenda. And our kitten Artemis sits on one particular rock on our rock staircase today sits for no reason but lovely teeming with bugs though Geoff bathed her in the sink entirely against her will though we picked off two ticks stuck in her hard and ugly. And a ship pulls in its sails wraps them around themselves in turn and pulls into the harbor O Brenda If you could see it.
Kathryn Cowles
More poems by Kathryn Cowles are available through her website.
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Journey Into Mystery #647 (2013)
#Marvel Comics#journey into mystery#Kathryn Immonen#valerio schiti#jordie bellaire#clayton cowles#jeff dekal#sif#fandral#fandral the dashing
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In the previous issue this guy talks about how he can gain control of sound waves and redirect them.
He literally grabs lettering and beats her with it. I’ve never seen someone do that in comics! Then he breaks her ankle with the clop from her boots. C.O.W.L. #9 by Kyle Higgins/Alec Siegel and Rod Reis
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Sleeveless Cowl Neck Sweater by Kathryn Dawn
Free Crochet Pattern Here
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Interweave Crochet, Summer 2021
The 14 projects here cover a wide range. The cover features two novelty items: the Floating on Waves Tank by Natalie Thomas (see the top right corner which reveals its back look) to the Ananas (French for pineapple) Drawstring bag by Deborah Bagley.
There are also two pretty wraps as well as two cowls. My favorite here is a clever filet crochet design by Adinda Hening called Alinea Wrap which is an easy pattern and shown here in Schweepes Whirl, a long yardage, cotton blend which shifts color as it goes. It is only a 1 out of 4 for difficulty and makes me think I have underestimated the geometric playfulness of filet crochet.
Several more sweaters appear including the purple Pomelo Cardigan by Natasha Robarge in Hikoo Concentric Cotton which is a worked from the bottom up. This is a more difficult pattern at 3 out of 4.
Kirsten Joel designed the Fluid Lines Coverup which is open in the back save for 5 buttons at the top. I can see figuring out a way to add a flare to it and shutting it down the back to avoid that I-am-wearing-a-hospital-gown feeling. It is made from Fibra Natura Flax Lace linen yarn and is a 3 out of 4 for difficulty.
Kathryn A. White wrote the technical article on shaping filet crochet, and Jennifer Mogoyne wrote on three great crochet designers, some of whose work has appeared recently in the magazine’s pages: Dora Ohrenstein, Lily M. Chin, and Doris Chan.
Find it at your local yarn store, bookstore, or online here: https://www.interweave.com/crochet/
#crochet#crochet patterns#interweave crochet#floating on waves tank#natalie thomas#ananas drawstring bag#deborah bagley#adinda hening#alinea wrap#schweepes whirl#pomelo cardigan#natash robarge#hikoo concentric coton#kirsten joel#fluid lines coverup#fibra natura flax lace#dora ohrenstein#lily m chin#doris chan#making#makers#diy#diy projects
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Secret Clubs, Gatherings, & Societies: Fantasy & Mystery Picks
The Invisible Library by Genevieve Cogman
Irene must be at the top of her game or she'll be off the case - permanently... Irene is a professional spy for the mysterious Library, which harvests fiction from different realities. And along with her enigmatic assistant Kai, she's posted to an alternative London. Their mission - to retrieve a dangerous book. But when they arrive, it's already been stolen. London's underground factions seem prepared to fight to the very death to find her book. Adding to the jeopardy, this world is chaos-infested - the laws of nature bent to allow supernatural creatures and unpredictable magic. Irene's new assistant is also hiding secrets of his own. Soon, she's up to her eyebrows in a heady mix of danger, clues and secret societies. Yet failure is not an option - the nature of reality itself is at stake.
All These Beautiful Strangers by Elizabeth Klehfoth
In the last day of summer, Grace Fairchild, the beautiful young wife of real estate mogul Allister Calloway, vanished from the family’s lake house without a trace, leaving behind her seven-year old daughter, Charlie, and a slew of unanswered questions. Years later, seventeen-year-old Charlie still struggles with the dark legacy of her family name and the mystery surrounding her mother. Determined to finally let go of the past, she throws herself into life at Knollwood, the prestigious New Englandschool she attends. Charlie quickly becomes friends with Knollwood’s “it” crowd. Charlie has also been tapped by the A’s—the school’s elite secret society well known for terrorizing the faculty, administration, and their enemies. To become a member of the A’s, Charlie must play The Game, a semester-long, diabolical high-stakes scavenger hunt that will jeopardize her friendships, her reputation, even her place at Knollwood. As the dark events of past and present converge, Charlie begins to fear that she may not survive the terrible truth about her family, her school, and her own life.
The Rook by Daniel O'Malley
"The body you are wearing used to be mine." So begins the letter Myfanwy Thomas is holding when she awakes in a London park surrounded by bodies all wearing latex gloves. With no recollection of who she is, Myfanwy must follow the instructions her former self left behind to discover her identity and track down the agents who want to destroy her. She soon learns that she is a Rook, a high-ranking member of a secret organization called the Chequy that battles the many supernatural forces at work in Britain. She also discovers that she possesses a rare, potentially deadly supernatural ability of her own. In her quest to uncover which member of the Chequy betrayed her and why, Myfanwy encounters a person with four bodies, an aristocratic woman who can enter her dreams, a secret training facility where children are transformed into deadly fighters, and a conspiracy more vast than she ever could have imagined. Filled with characters both fascinating and fantastical, The Rook is a richly inventive, suspenseful, and often wry thriller that marks an ambitious debut from a promising young writer.
Sanctus by Simon Toyne
An explosive apocalyptic conspiracy thriller from a major new British talent that will set the world alight… REVELATION OR DEVASTATION? The certainties of the modern world are about to be blown apart by a three thousand year-old conspiracy nurtured by blood and lies … A man throws himself to his death from the oldest inhabited place on the face of the earth, a mountainous citadel in the historic Turkish city of Ruin. This is no ordinary suicide but a symbolic act. And thanks to the media, it is witnessed by the entire world. But few understand it. For charity worker Kathryn Mann and a handful of others in the know, it is what they have been waiting for. The cowled and secretive fanatics that live in the Citadel suspect it could mean the end of everything they have built – and they will kill, torture and break every law to stop that. For Liv Adamsen, New York crime reporter, it begins the next stage of a journey into the heart of her own identity. And at that journey's end lies a discovery that will change EVERYTHING … SANCTUS is an apocalyptic conspiracy thriller like no other – it re-sets the bar for excitement and fascination, and marks the debut of a major talent in Simon Toyne.
#fantasy#mystery#mysteries#mystery books#adult fantasy#ya books for adults#thriller#reading recommendations#Book Recommendations#to read#tbr#booklr#library#librarian picks
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Always a Bridesmaid (and that's just fine) - Chapter 3
Trektober, day 27: Out of uniform Fandom: Star Trek (VOY and PIC) Ship: Beverly Crusher/ Kathryn Janeway Chapter 3 on AO3 Start with Chapter 1
The big costume change reveal that everyone has been waiting for! 😂
Beverly leaned against the bar, idly twirling the stem of her wine glass as she tried to make polite small talk with one of the wedding guests from the village. She usually excelled at making new people feel instantly at ease. It was one of the things that made her such a good doctor. But at the moment, she was distracted and couldn’t bring herself to care that the gentleman talking to her ( What was even his name?) was clearly feeling uncomfortable.
Kathryn had been gone for more than twenty minutes, and honestly, how long could it possibly take to change out of her dress uniform and into something more festive? Beverly had offered to go with her ‘in case she needed help with any zippers,’ but Kathryn had refused, saying that if Beverly went with her to change, they may never get to the reception.
So what on Earth was taking her so long?
As if she had spoken the question aloud, the universe answered and suddenly there was Kathryn, glowing beneath a strand of fairy lights at the outer perimeter of the reception area.
Beverly’s breath caught in her throat at the sight of her, dressed in a cream colored pants suit. Her flowing, wide-legged trousers rippled in the slight breeze, and the tuxedo jacket hung open to reveal a draped cowl neck blouse in the same sage green silk as Beverly’s dress. The silk fell over Kathryn’s breasts in a way that was somehow both modest and tantalizingly sexy at the same time. She had removed the pins from her hair (Beverly realized this is what had taken so much time) and the updo had given way to soft waves that brushed her shoulders.
Beverly mumbled her excuses to her companion and left her full glass of wine on the bar as she floated over to Kathryn who had been watching her reaction with that adorably seductive, crooked smile on her face. When Beverly reached her, she wasted no time running her fingers through Kathryn’s hair as she took her lips in a passionate kiss. Kathryn’s hands slid down Beverly’s silk-clad figure to come to rest on her hips as she kissed her back.
When they came up for air, Beverly took hold of Kathryn’s hand and pulled her to the dance floor, which was the only socially appropriate venue for how close she wanted them to be to each other. Kathryn’s hands returned to Beverly’s hips and Beverly’s arms draped over Kathryn’s shoulders as they swayed to the music, forehead to forehead and nose to nose.
“Beverly,” Kathryn breathed softly, “people are watching us.”
“Don’t care,” Beverly murmured back as she nuzzled Kathryn’s nose.
Kathryn chuckled lightly. “How much wine did you have while I was gone?”
“Barely a drop,” Beverly said, kissing her to prove that her lips didn’t taste like wine. “See?”
“Mmm, so then what’s gotten into you?” Kathryn hummed.
“Just you, my love. Only you.”
This time, Kathryn initiated the kiss, and she didn’t care who was watching.
#trektober 2023#out of uniform#fanfic#beverly crusher/ kathryn janeway#beverly crusher#kathryn janeway#femslash#kissing#dancing#i wrote this#ao3 link
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Journey into Mystery #648
Writer: Kathryn Immonen
Art: Valerio Schiti
Colors: Jordie Bellaire
Letters: Clayton Cowles
#journey into mystery#lady sif#kathryn immonen#valerio schiti#jordie bellaire#clayton cowles#marvel comics
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When the sky is daytime blue it is a curtain drawn up over the stars. At night, the curtain opens to a flat map of the universe, the near and far side by side, one single surface.
“Poem for the Putting in of the New Carpet” in Maps and Transcripts of the Ordinary World, by Kathryn Cowles
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Thor: The Worthy #1 Review
Thor: The Worthy #1 Review
Writer: Walter Simonson, Tom Defalco, and Kathryn Immonen Art: Ron Frenz, Mike Hawthorne, Sal Buscema, Tamra Bonvillain, John Workman, Keith Williams, Rachelle Rosenberg, VC’s Clayton Cowles, Tom Reily, Chris O’Halloran, Kim Jacinto, Java Tartaglia, Walter Simonson, and Paul Mounts Release Date: December 4th, 2019 Price: $4.99
Walter Simonson’s Thor run is widely considered to be not only some…
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#Beta Ray Bill#comic book reviews#comic books#comic reviews#comics#Lady Sif#marvel#marvel comic books#marvel comic reviews#marvel comics#marvel comics reviews#marvel reviews#review#Reviews#Thor#Thor Worthy#Thor worthy 1#Thor Worthy 1 Review#Thunderstrike
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A Review of Shira Dentz's 'how do I net thee'
By Kathryn Cowles
Some books of poems have to teach you how to read them because you can’t read them any of the old ways. Some books, in addition to being about whatever they’re about, are also about improvising a new way of saying, and therefore require a new way of reading. Some books are an investigation of methodology even as they plow ahead, and this is true of Shira Dentz’s how do i net thee (Salmon Press, 2018). So before I get into the specifics of Dentz’s original, weird methodology and language, I want to posit a theory of the why behind the how—the thinking I see going on behind the doing that manifests in the many luminous and strange visual elements in the book. But just to make sure you don’t lose interest amidst the theorizing process, here are some juicy bits of language, completely decontextualized, to hook you in, many of them employing this poet’s characteristically startling figurative language or her characteristically complicated alliterative twists and turns:
“Sitting here opening chestnuts / one comes out like a coin” (61)
“His voice particular, the inside of a menorah. Silver and warm at the same time.” (52)
“a corseted idea / like sunrise and sunset” (6)
“desire yellow on the burner heat on low” (16)
“mother, / a brief flick in the air like light from a lighter / nod your lips curtain in a breeze” (8)
“a mouth inside herself” (38)
“let’s make some word water two parts salt one part light influenced by the moon junkie streamlined take a cup and fill it that lemon scent in the outdoors air a skirt of pine trees draped along mountains” (15)
“but when I eat, it’s a solid thing, like a right word” (58)
“Apples and whine the voice sublime toes and woes Schubert aglow the spine of tree leaves, mark trunk and bark in back of the crease keep me from falling hot springs dry cracked lips to the vine and back let it go take me the wind drapes like a cloth over my mind, a napkin on my lap.” (57)
So there you go—call it an appetizer.
The first poem in how do i net thee is kind of a bonus pre-poem, sneaked in before the table of contents, a clue into the framework of the book as a whole. The poem is a riffing on/recontextualizing of the OED definition of “net.” It begins and ends mid-sentence and winks at its own materiality, at its own doubling, its words bifurcating and proliferating and opening out. The poem ends like this:
to make by the process of producing network; to
interlace,
to take, catch, capture,
or gather
(This is as good a moment as any to note that all quotations here are approximations since these poems move all over the page and are therefore difficult to reduplicate in miniature. Dentz herself apparently co-designed the book, so it’s clear that spacing matters. Alas for me.)
You know how, when you push your thumb against a running faucet, far from stopping the water, you send it spraying in all different directions with increased force? In this book, Dentz’s poems activate their contents through pressure. They put their thumbs against faucets. Far from trying to settle their words into stable forms, these poems intentionally shake them up.
That first poem, hiding in plain sight before the book even quite begins, ends with a faucet moment of proliferation that could be an ars poetica for the larger project’s methodology.
I like the wild gradations of that take catch capture gather as it destabilizes the “net” from the book’s title. I like the idea of holding together multiple differing gestures at once, of tracking different configurations of the same words and their subsequent effects, of teaching readers to read in split and sometimes contradictory ways. I like building by interlace.
The difference between take and gather, for instance, the movement between, is startling. Take involves something done against-will, implies the creature one takes from, while gather suggests a passive and near-inanimate object, like wheat. Similarly, catch and capture run the gamut. One catches a frog, a small animal, perhaps using lures, bits of food, or subterfuge, but one captures a person, a fugitive, an enemy soldier, a flag, a whole kingdom.
take catch capture gather encapsulates the complex ethical terrain of any poetic gesture of writing-about. It implies an object in varying states of being-acted-against. It knows that there’s a violence inherent in the take catch capture gather-ing of a poetic object, and rather than ignoring it, it puts the violence on the surface of the gesture, makes it meta, makes it apparent to the reader. It finds a new way of writing—of netting the stuff of the world on the page—that performs this contradictory and fraught gesture and therefore empties it of some of its violence against the poetic object.
The ethical terrain of writing/roping something to the page is more fraught if the thing getting netted is a person, a thee rather than an it, like a beloved brother lost, or a perpetually wounding father, two of the central, haunting figures in how do i net thee. Thee is the language of the holy but also of childhood fairytales, and of troubadours, of “whom do i love best in the world” (from “X” 17). Thee is an intimacy but also a pedestal. Is adoration. Is a formal gesture, a performance. Thee calls attention to the fact that it calls attention to the fact of its subject, that it chooses the performance of its how. It puts its take catch capture gather on the surface of its gesture. It shows its cards.
Because there’s always an ethics embedded in poetic methodology. There’s always a netting taking place, even though many choose to bury it beneath the surface. To call attention to it, to put the thumb on the faucet, to give multiple different gatherings instead of just one, destabilizes the weighty authority of truth claims on the page. And indeed, these poems are interested less in Capital T Truth than versions, angles.
To this end, in a number of spots, Dentz will recreate entire earlier poems with no or few differences in word choice but with entirely different spacing on the page in order to call attention to the way spacing on the page affects the words gathered—to draw attention to the surface of the saying. These twinned poems are about what they’re about individually but also about an ethical destabilization, the fact that changing their spacing on the page changes the content, even when it’s otherwise identical or nearly identical, the fact that one can literally say the same thing in terms of word choice and yet not say the same thing.
Or, put another way, different configurations of the same poem can be like different kinds of maps of the same moment in time, each truthful in their own way—the way a topographical map versus a map of the train system of a place would look different, even if they hold the same content in terms of place. Catching the actual, physical world on the page can manifest itself in any number of different ways, each calling our attention to different details as the most important ones.
Dentz invents a number of other linguistic tactics, poetic tactics, spacial tactics that make this complicated, ethical gesture of take catch capture gather. For instance, her sentence edges sometimes get all slippery as they try to keep up with her thoughts (or her speaker’s thoughts; but let’s just problematically say her thoughts and call attention to the violence of it in a parenthetical note, wink). Conjoined-twins sentences, is what I started calling them in my mind.
Like “are they singing or laughing or clapping back to desire young young how do i net thee with my shredded heels no i don’t want to look humpty dumpty had a great fall for heaven sakes” (from “Anatomy” 16). Sentences overlap onto each other, as with that “look,” which can attached itself to “no i don’t want to look” or “no I don’t want to look humpty dumpty” but also “look humpty dumpty had a great fall for heaven sakes”. The effect is one of both immediacy and great speed. Of asking questions and sometimes answering them right after, and in real time, of finding out what one thinks via thinking it, form running hand in hand with content. This kind of writing nets, but spraypaints the net a bright and visible color.
It’s worth noting here that how do i net thee has a handful of pieces of pictures of net, I think culled literally from an image of a net inside the front cover, thrown in physically in the middle of poems, like little chutes from Chutes and Ladders games of my youth, further drawing attention to the materiality of the netting and also gathering/yoking words and pieces together that might otherwise be isolated. These pieces of net help pull the entire book together as project even as separate little poems go their separate ways.
Or consider the methodology for how things make their way into the poem “watercolor tongue” (19)—at the speed of thought: “yesterday bikes in a forest / with deer. would be perfect, a man. my head could / race, maybe did one too many now it’s coming back how i asked what’s / your schedule. i’ll have to look. why did i bother, brother, watermelon / claw, green shades of sunset flesh.” In these lines, we are moving through language that feels remarkably like thinking, with its diversion-ed momentum. We are in yesterday in a forest, and then now thinking of a man (“would be perfect, a man.”), then thinking about thinking (“it’s coming back now”), about the head racing, and then recounting the thing the speaker wants the mind not to race to, a conversation (“i asked what’s / your schedule. i’ll have to look. why did i bother”). And then the word bother, the look or sound of it, remarkably, turns to “brother,” to that thread of net, that chute, haunting the entire book, a lost brother whose voice is slipping out of memory. The way brother enters into the poem is the way things that haunt us enter into our thinking, mid-thought.
Or consider the methodology of strange metaphor and image progression in some poems, which is quintessential Dentz. The poem “Marsupium” begins, “A girl of freezing ice in my stomach; papoose; / skinning my meat” (4). The strange emotional precision of the embedded metaphors strikes me here. And yet the metaphors don’t settle into their equal signs. They wiggle and proliferate into further metaphor and so do a different kind of work:
i’m a basket of eels on the backseat of a car.
curled like question marks.
Am i the girl who makes the empty plank of a brother
white keys on the far ends of a piano
a baldness, with nothing around it
Silence
Vaseline on my senses
being angry comes in waves you see the flight pattern but no bird
Dentz frequently juxtaposes sharp image after sharp image in order to suggest a new grammar or logic or relationship between things, in order to constellate. The images accrue, they gather themselves into something cumulative, something akin to metaphor, but not exactly metaphor. It’s like a metaphor of feeling, images trying to get at some complex feeling, some other-side-of-an-equal-sign, from multiple angles. It’s metaphor in the process of take catch capture gather. The images are trying to get something from the world down on the page, and the something is not simplified. It refuses to be reduced in the netting process.
It’s hard for me to say just what this poem is doing to me and why I like what it’s doing so very much. It has both precision and expansiveness, switching lenses on me line by line so I see something both small and up close and then a whole larger landscape in a short amount of space.
I also like that it’s difficult poetry, to use that age-old, often problematically gendered term, and yet difficult in the service of something I can feel in my gut. It’s difficult on its textured surface but also tied to something that feels core and human. It gut punches via the intellect. This is a glimmering kind of balancing act indeed.
Because ultimately just saying something in a new way, and then getting meta and saying that you’re saying something in a new way, isn’t quite enough for me with a book of poems. Such a gesture alone doesn’t actually take catch capture gather at all. It doesn’t net anything; it just sews nets prettily or elaborately. It puts its finger on a conceptual faucet without turning on the water, without getting all wet. I do often like to find myself in the kinds of poems that are a purely intellectual enterprise, that make me think about language and how it operates, that delight me on a surface level with their twisty-turns.
But my very favorite poetry does something more. It asks “in the dark are there kind letters and if so which are they” (58). It delights with intellectual twisty-turns, yes, and strange methodologies, but it does so with an ethical, human anchor and purpose, with a beating heart, and in doing so, it turns me into something more than a passive subject. It take catch capture gathers me up and actually moves me, which is what I would ultimately say to describe how do i net thee: it moves me smartly, it transports me, intercepts, arrests, apprehends, gains possession of me, entangles, affects violently, seizes, snatches, grasps, lays hold of, grips, snags, hooks, it captivates. And good.
Kathryn Cowles is an associate professor of English at Hobart and William Smith Colleges in the Finger Lakes region of New York. Cowles’ first book of poems, Eleanor, Eleanor, not your real name, won the Brunsman Book Prize, and Cowles’ second book of poems, Maps and Transcripts of the Ordinary World, is forthcoming from Milkweed Editions. Cowles’ work has appeared recently in such places as New American Writing, The Georgia Review, Boston Review, Verse, Diagram, Best American Experimental Writing, and the Academy of American Poets Poem-a-day.
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What is the meaning of auto loan?
With few exceptions, buying a car includes two primary sports: (1) finding the automobile, and (2) taking away a mortgage to pay for it.Understanding how automobile loans paintings, how they fluctuate from different styles of borrowing, and what you want to know to avoid getting taken for a “journey” is the business of client affairs expert Kathryn Morrison of South Dakota State University.
spoke with Investopedia lately to attempt to assist could-be vehicle shoppers understand the on occasion difficult world of automobile loans. Our edited communique follows.Auto Loans vs. Personal Loans
How are auto loans special from other kinds of consumer loans, such as private loans?
An vehicle loan has collateral, that means the cost of the automobile is the security for the lender. The lender has safety in opposition to default. In different words, in case you do no longer make payments or default in your mortgage, the bank can seize the underlying asset. In this situation, they could take your automobile.
So, the big distinction among automobile loans and other client loans is that an vehicle mortgage is a secured loan that need to be used to purchase a car, whereas other personal loans can be used to buy almost whatever and are not secured. For this cause, interest rates on vehicle loans are normally lower than non-public loans because the lender is taking less chance, considering that they can capture the vehicle to cowl the unpaid loan if wished. Car loans are also fixed-duration loans. They are paid back over a specific length, along with three, four, or 5 years. Some purchaser loans also have you ever choose a particular payback period.
Are loans for pre-owned automobiles exceptional from new car loans, and if so, how?A purchaser ought to keep for an vehicle mortgage from one-of-a-kind lenders, regardless of if the automobile is new or pre-owned. The phrases of the loan will rely upon the rate of the automobile and interest quotes to be had to you.
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What is the meaning of auto loan?
With few exceptions, buying a car includes two primary sports: (1) finding the automobile, and (2) taking away a mortgage to pay for it.Understanding how automobile loans paintings, how they fluctuate from different styles of borrowing, and what you want to know to avoid getting taken for a “journey” is the business of client affairs expert Kathryn Morrison of South Dakota State University.
spoke with Investopedia lately to attempt to assist could-be vehicle shoppers understand the on occasion difficult world of automobile loans. Our edited communique follows.Auto Loans vs. Personal Loans
How are auto loans special from other kinds of consumer loans, such as private loans?
An vehicle loan has collateral, that means the cost of the automobile is the security for the lender. The lender has safety in opposition to default. In different words, in case you do no longer make payments or default in your mortgage, the bank can seize the underlying asset. In this situation, they could take your automobile.
So, the big distinction among automobile loans and other client loans is that an vehicle mortgage is a secured loan that need to be used to purchase a car, whereas other personal loans can be used to buy almost whatever and are not secured. For this cause, interest rates on vehicle loans are normally lower than non-public loans because the lender is taking less chance, considering that they can capture the vehicle to cowl the unpaid loan if wished. Car loans are also fixed-duration loans. They are paid back over a specific length, along with three, four, or 5 years. Some purchaser loans also have you ever choose a particular payback period.
Are loans for pre-owned automobiles exceptional from new car loans, and if so, how?A purchaser ought to keep for an vehicle mortgage from one-of-a-kind lenders, regardless of if the automobile is new or pre-owned. The phrases of the loan will rely upon the rate of the automobile and interest quotes to be had to you.
The easy truth that a brand new car will cost extra than an identical pre-owned automobile will have an effect on the quantity of money borrowed. However, when buying a new vehicle, some producers offer low, or maybe zero%, financing options. In preferred, charges on new vehicles, for those reasons, tend to be lower.
In addition, dealerships may have specific financing options available, and quotes and terms may additionally range through many factors, including new versus pre-owned. In short, it's far best to have a look at many financing alternatives before making a vehicle purchase and financing selection.
Leases and loans aren't the equal things. When you buy a car with a mortgage, you own the automobile and make periodic payments towards the balance of the loan. When the mortgage is paid off, you very own the car name loose and clean.
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