#Low interest auto loans

[upasnaagarwal-blog]

How to Secure the Best Auto Financing Deals at Precision Auto Sales & Service

Securing the best auto financing deal can make your car purchase more affordable and stress-free. At Precision Auto Sales & Service, we are committed to helping you find the ideal financing option for your budget and needs. Here’s how you can secure the best auto financing deals with us.

1. Check Your Credit Score

Your credit score plays a significant role in determining the interest rate and terms of your auto loan. Before applying for financing, check your credit score and report. Understanding your credit standing can help you set realistic expectations and identify areas for improvement to secure better loan terms.

2. Set a Realistic Budget

Establishing a clear budget is crucial when financing a car. Consider not only the monthly loan payments but also other associated costs such as insurance, maintenance, fuel, and registration fees. Knowing your budget will help you narrow down your vehicle options and prevent you from overextending your finances.

3. Explore Multiple Financing Options

Don’t settle for the first financing offer you receive. Shop around and compare rates from different lenders, including banks, credit unions, and dealership financing. At Precision Auto Sales & Service, we work with a network of reputable lenders to offer competitive rates and flexible terms. Make sure to explore all available options to find the best deal.

4. Get Pre-Approved

Getting pre-approved for a loan before you start shopping for a car can give you a clear idea of how much you can afford and streamline the buying process. Our easy online application at Precision Auto Sales & Service allows you to get pre-approved quickly, giving you more confidence and bargaining power when selecting your vehicle.

5. Save for a Down Payment

A larger down payment can significantly reduce the amount you need to finance, lowering your monthly payments and the total interest paid over the life of the loan. If possible, try to save up for a substantial down payment to improve your financing terms.

6. Understand the Loan Terms

Make sure you fully understand the terms of your loan agreement, including the interest rate, loan term, monthly payment, and any fees or penalties. Don’t hesitate to ask questions or seek clarification from our finance experts to ensure you’re comfortable with the agreement.

7. Take Advantage of Special Programs and Incentives

Precision Auto Sales & Service regularly offers special financing programs and incentives, such as:

Low-Interest Rates for Qualified Buyers: Helping you save money on interest.

Cash-Back Offers: Putting money back in your pocket.

Extended Warranties: Providing peace of mind with your vehicle purchase.

8. Consider Buy Here, Pay Here (BHPH) Financing

If you have less-than-perfect credit, our Buy Here, Pay Here financing option can be a viable solution. This in-house financing program allows you to make payments directly to us, offering more flexibility and helping you build or rebuild your credit.

9. Consult with Our Finance Experts

Our experienced finance team at Precision Auto Sales & Service is dedicated to helping you find the best financing solution. We take the time to understand your financial situation and tailor a financing package that fits your budget. Whether you have excellent credit, no credit, or are working to rebuild your credit, we have solutions for you.

10. Keep an Eye on Your Long-Term Financial Health

While it’s tempting to focus solely on getting a car quickly, consider your long-term financial health. Ensure the loan you choose fits within your overall financial plan and won’t cause undue strain on your finances down the road.

Conclusion

Securing the best auto financing deal at Precision Auto Sales & Service involves a combination of preparation, research, and leveraging our expertise. By checking your credit score, setting a realistic budget, exploring multiple financing options, and taking advantage of special programs and incentives, you can find a financing solution that fits your needs. Visit us today and let our finance experts help you get behind the wheel of your dream car with a financing package that works for you.

[auto-title-loans]

Unlock Cash: Borrow Up to $50,000 with Auto Title Loans in Langley!

Unlock cash quickly with Snap Car Cash! Our Auto Title Loans Langley lets you borrow up to $50,000 using your vehicle as collateral. Whether you need funds for an emergency, home improvement, or debt consolidation, we make the process fast and hassle-free. With flexible repayment terms and no credit checks, you can get the cash you need without the stress. Just fill out our simple application, and our friendly team will assist you every step of the way. Don’t wait—unlock your car's value today and get the cash you deserve with Snap Car Cash!

[car-title-loans-provider]

Car Title Loans Nanaimo: Fast Cash Solutions with Your Car Title

Looking for quick financial relief in Nanaimo? Snap Car Cash offers fast cash solutions through Car Title Loans Nanaimo, allowing you to access funds by using your car's title as collateral. Whether you need money for unexpected expenses, bills, or emergencies, Snap Car Cash provides a hassle-free application process with no credit checks. Simply use your vehicle's equity to secure a loan, and keep driving your car while you repay. With competitive interest rates and flexible terms, Snap Car Cash makes it easy to get the cash you need in Nanaimo. Apply today and get fast, reliable financial support!

[car-collateral-loans]

Borrow on Your Vehicle: Car Collateral Loans in Kelowna

Looking for a quick financial solution in Kelowna? Snap Car Cash offers Car Collateral Loans Kelowna to help you get the funds you need fast. Our Fast Car Collateral Loans Kelowna are designed to provide you with quick approval and competitive rates. Simply borrow on your vehicle and get the cash you need without the hassle. Whether you have unexpected expenses or are planning a big purchase, our flexible loan options can accommodate your needs. Choose Snap Car Cash for a straightforward, reliable way to access cash. Contact us today and let us help you turn your vehicle into financial power!

[journey-approved]

Low Interest Rate Car Loans for Bad Credit

Journey Approved has offered to Canadian people in British Columbia, Alberta, Yukon, and Northwest Territories. So they can apply for low interest rate car loans for bad credit. Get your auto finance today:https://www.journeyapproved.com/low-interest-car-loans/

[moderncalculators]

The Power of Modern Calculators: Tools for Financial, Health, and Planning Needs

In today's fast-paced world, access to accurate and efficient calculators is a necessity for making informed decisions in various aspects of life. Whether you're managing your finances, planning for the future, or tracking your health and fitness goals, modern calculators play a pivotal role. In this article, we will explore a range of online calculators provided by Modern Calculators, each designed to address specific needs and assist you in making well-informed choices.

1. Online Loan Calculators

Online Loan Calculators are invaluable tools for individuals seeking loans. These calculators help you estimate monthly payments, interest rates, and repayment schedules, ensuring that you choose the loan that best fits your financial situation.

2. Debt to Income Ratio Calculator

Managing your debt is crucial for financial stability. The Debt to Income Ratio Calculator allows you to determine your DTI ratio, aiding in better decision-making when it comes to taking on new debts.

3. Depreciation Calculator

For business owners and individuals with assets, the Depreciation Calculator is a valuable tool. It assists in understanding how assets depreciate over time, aiding in financial planning and tax considerations.

4. Discount Calculators

Whether you're a shopper or a business owner, Discount Calculators help you calculate discounts, savings, and final prices, ensuring you get the best deals.

5. Due Date Calculator

Expecting parents can rely on the Due Date Calculator to estimate their baby's due date based on various factors.

6. EER Calculator or Estimated Energy Requirement Calculator

Maintaining a healthy diet is easier with the EER Calculator. It helps you determine your daily calorie needs based on factors like age, gender, and activity level.

7. Future Value Calculator

Planning for retirement or long-term savings? The Future Value Calculator aids in estimating the future value of your investments, allowing you to set achievable financial goals.

8. Healthy Weight Calculator

Achieving and maintaining a healthy weight is essential for overall well-being. The Healthy Weight Calculator helps you determine a healthy weight range for your height.

9. Height to Waist Ratio Calculator

Assessing your health risks is made easier with the Height to Waist Ratio Calculator, which provides insights into your abdominal obesity risk.

10. Debt Consolidation Calculator

Those looking to simplify their debt repayment strategy can turn to the Debt Consolidation Calculator to explore consolidation options.

11. Home Loan Affordability Calculator

Before purchasing a home, use the Home Loan Affordability Calculator to determine what you can afford and avoid overextending your finances.

12. Home Loan Calculator with Down Payment

When buying a home, calculating the down payment is essential. The Home Loan Calculator with Down Payment simplifies this process.

13. Ideal Body Fat Percentage Calculator

Maintaining a healthy body composition is vital. The Ideal Body Fat Percentage Calculator helps you set realistic fitness goals.

14. Ideal Body Weight Calculator

Determine your healthy weight range with the Ideal Body Weight Calculator, making it easier to manage your weight.

15. Ideal Calorie Intake Calculator

Achieving your fitness goals requires a balanced diet. The Ideal Calorie Intake Calculator assists in determining your daily calorie needs.

16. Inflation Calculator

Planning for future expenses is essential. The Inflation Calculator helps you understand the impact of inflation on your finances.

17. Skipping Rope Calories Burned Calculator

Stay fit with the Skipping Rope Calories Burned Calculator, which estimates calories burned during jump rope workouts.

18. LDL Calculator

Monitor your cardiovascular health with the LDL Calculator, helping you understand your low-density lipoprotein levels.

19. Lean Body Mass Calculator

Fitness enthusiasts can track their progress with the Lean Body Mass Calculator, which calculates lean body mass and body fat percentage.

20. Loan Down Payment Calculator

Planning to buy a car or home? The Loan Down Payment Calculator helps you determine the down payment required for your purchase.

21. Loan Payments Calculator

Manage your loan repayment schedule efficiently using the Loan Payments Calculator.

22. Macronutrient Calculator

Tailor your diet to your nutritional needs with the Macronutrient Calculator.

23. Meal Calories Calculator

Keep track of your calorie intake with the Meal Calories Calculator, aiding in weight management.

24. Mortgage Payoff Calculator

Accelerate your mortgage repayment strategy using the Mortgage Payoff Calculator.

25. Conception Calculator

For those planning to expand their families, the Conception Calculator helps estimate conception dates.

26. One Rep Max Calculator or 1RM Max Calculator

Fitness enthusiasts can gauge their strength using the One Rep Max Calculator.

27. Ovulation Calculator

Couples trying to conceive can benefit from the Ovulation Calculator to determine fertile periods.

28. Savings Calculator

Whether you're saving for a rainy day or a specific goal, the Savings Calculator helps you track your savings progress.

29. SIP Calculator or SIP Return Calculator

Investment planning becomes more accessible with the SIP Calculator, allowing you to estimate returns on Systematic Investment Plans.

30. Period Due Date Calculator

The Period Due Date Calculator aids in tracking menstrual cycles and predicting due dates.

31. Personal Loan Calculator

Evaluate personal loan options efficiently with the Personal Loan Calculator.

32. Pregnancy Conception Date Calculator

Expecting parents can use the Pregnancy Conception Date Calculator to estimate conception dates.

33. Pregnancy Timeline Calculator

Monitor your pregnancy progress with the Pregnancy Timeline Calculator, providing insights into the stages of pregnancy.

34. Present Value Calculator

Financial planning often requires understanding the present value of future cash flows. The Present Value Calculator simplifies this calculation.

35. Real Estate Calculators

For property investors, the Real Estate Calculators offer valuable tools to assess property yield and rental returns.

36. Rent Calculator

Choosing between renting and buying a home is a significant decision. The Rent Calculator helps you analyze the financial aspects of renting.

37. Rent vs Buy Calculator

Make an informed decision about homeownership with the Rent vs Buy Calculator.

38. Rental Property Calculator

Property investors can assess the potential income from rental properties using the Rental Property Calculator.

39. Retirement Plan Calculator

Plan for your retirement with confidence using the Retirement Plan Calculator.

40. RMR Calculator or Resting Metabolism Calculator

Understand your basal metabolic rate with the RMR Calculator to optimize your calorie intake for weight management.

41. Return on Investment Calculator or ROI Calculator

Evaluate investment opportunities using the Return on Investment Calculator, ensuring your investments yield desirable returns.

42. Simple Interest Rate Calculator

Calculate the interest on loans or investments with the Simple Interest Rate Calculator.

43. Squat One Rep Max Calculator

Fitness enthusiasts can track their strength gains with the Squat One Rep Max Calculator.

44. Steps to Miles Calculator

Keep your fitness goals on track by converting your daily steps to miles using the Steps to Miles Calculator.

45. Student Loan Calculator

Plan your student loan repayment strategy with the Student Loan Calculator.

46. VO2 Max Calculator

Assess your cardiovascular fitness with the VO2 Max Calculator.

47. Waist to Hip Calculator

Monitor your waist-to-hip ratio, a key indicator of cardiovascular health, using the Waist to Hip Calculator.

48. Weight Gain Pregnancy Calculator

Expectant mothers can track their weight gain during pregnancy with the Weight Gain Pregnancy Calculator.

In conclusion, Modern Calculators provides a diverse range of online tools that cater to various financial, health, and planning needs. These calculators empower individuals to make informed decisions, manage their finances, and lead healthier lives. Whether you're a fitness enthusiast, a homeowner, or an investor, these calculators are valuable assets in your quest for success and well-being.

[phoenixyfriend]

Ko-fi prompt from @thisarenotarealblog:

There's a street near me that has eight car dealerships all on the same lot- i counted. it mystifies me that even one gets enough sales to keep going- but 8?? is there something you can tell me that demystifies this aspect of capitalism for me?

I had a few theories going in, but had to do some research. Here is my primary hypothesis, and then I'll run through what they mean and whether research agrees with me:

Sales make up only part of a dealership's income, so whether or not the dealership sells much is secondary to other factors.

Dealerships are put near each other for similar reasons to grouping clothing stores in a mall or restaurants on a single street.

Zoning laws impact where a car dealership can exist.

Let's start with how revenue works for a car dealership, as you mentioned 'that even one gets enough sales to keep going' is confusing. For this, I'm going to be using the Sharpsheets finance example, this NYU spreadsheet, and this Motor1 article.

This example notes that the profit margin (i.e. the percentage of revenue that comes out after paying all salaries, rent, supply, etc) for a car dealership is comparatively low, which is confirmed by the NYC sheet. The gross profit margin (that is to say, profits on the car sale before salaries, rent, taxes) is under 15% in both sources, which is significantly lower than, say, the 50% or so that one sees in apparel or cable tv.

Cars are expensive to purchase, and can't be sold for much more than you did purchase them. However, a low gross profit margin on an item that costs tens of thousands of dollars is still a hefty chunk of cash. 15% gross profit of a $20,000 car is still $3,000 profit. On top of that, the dealership will charge fees, sell warranties, and offer upgrades. They may also have paid deals to advertise or push certain brands of tire, maintenance fluids, and of course, banks that offer auto loans. So if a dealership sells one car a day, well, that's still several thousand dollars coming in, which is enough to pay the salaries of most of the employees. According to the Motor1 article, "the average gross profit per new vehicle sits at $6,244" in early 2022.

There is also a much less volatile, if also much smaller, source of revenue in attaching a repairs and checkup service to a dealership. If the location offers repairs (either under warranty or at a 'discounted' rate compared to a local, non-dealership mechanic), state inspections, and software updates, that's a recurring source of revenue from customers that aren't interested in purchasing a car more than once a decade.

This also all varies based on whether it's a brand location, used vs new, luxury vs standards, and so on.

I was mistaken as to how large a part of the revenue is the repairs and services section, but the income for a single dealership, on average, does work out math-wise. Hypothesis disproven, but we've learned something, and confirmed that income across the field does seem to be holding steady.

I'm going to handle the zoning and consolidation together, since they overlap:

Consolidation is a pretty easy one: this is a tactic called clustering. The expectation is that if you're going to, say, a Honda dealership to look at a midsize sedan, and there's a Nissan right next door, and a Ford across the street, and a Honda right around the corner, you might as well hit up the others to see if they have better deals. This tactic works for some businesses but not others. In the case of auto dealerships, the marketing advantage of clustering mixes with the restrictions of zoning laws.

Zoning laws vary by state, county, and township. Auto dealerships can generally only be opened on commercially zoned property.

I am going to use an area I have been to as an example/case study.

This pdf is a set of zoning regulations for Suffolk County, New York, published 2018, reviewing land use in the county during 2016. I'm going to paste in the map of the Town of Huntington, page 62, a region I worked in sporadically a few years ago, and know mostly for its mall and cutesy town center.

Those red sections are Commercially Zoned areas, and they largely follow some large stroads, most notably Jericho Turnpike (the horizontal line halfway down) and Walt Whitman Road (the vertical line on the left). The bulge where they intersect is Walt Whitman Mall, and the big red chunk in the bottom left is... mostly parking. That central strip, Jericho Turnpike, and its intersection with Walt Whitman... looks like this:

All those red spots are auto dealerships, one after another.

So zoning laws indicate that a dealership (and many other types of commercial properties) can only exist in that little red strip on the land use map, and dealerships take up a lot of space. Not only do they need places to put all of the cars they are selling, but they also need places to park all their customers and employees.

This is where we get into the issue of parking minimums. There is a recent video from Climate Town, with a guest spot by NotJustBikes. If you want to know more about this aspect of zoning law, I'd recommend watching this video and the one linked in the description.

Suffolk county does not have parking minimums. Those are decided on a town or village level. In this case, this means we are looking at the code set for the town of Huntington. (I was originally looking on the county level, and then cut the knot by just asking my real estate agent mom if she knew where I could find minimum parking regulations. She said to look up e360 by town, and lo and behold! There they are.)

(There is also this arcgis map, which shows that they are all within the C6 subset of commercial districting, the General Business District.)

Furniture or appliance store, machinery or new auto sales - 1 per 500 square feet of gross floor area

Used auto sales, boat sales, commercial nurseries selling at retail - 5 spaces for each use (to be specifically designated for customer parking) - Plus 1 for each 5,000 square feet of lot area

This is a bit odd, at first glance, as the requirements are actually much lower than that of other businesses, like drive-in restaurants (1 per 35 sqft) or department stores (1 per 200 sqft). I could not find confirmation on whether the 'gross floor area' of the dealership included only indoor spaces or also the parking lot space allotted to the objects for sale, but I think we can assume that any parking spaces used by merchandise do not qualify as part of the minimum. Some dealerships can have up to 20,000 gross sqft, so those would require 40 parking spaces reserved solely for customers and employees. Smaller dealerships would naturally need less. One dealership in this area is currently offering 65 cars of varying makes and models; some may be held inside the building, but most will be on the lot, and the number may go higher in other seasons. If we assume they need 30 parking spaces for customers and employees, and can have up to 70 cars in the lot itself, they are likely to have 100 parking spaces total.

That's a lot of parking.

Other businesses that require that kind of parking requirement are generally seeing much higher visitation. Consider this wider section of the map:

The other buildings with comparative parking are a grocery store (Lidl) and a post office (can get some pretty high visitation in the holiday season, but also just at random).

Compare them, then, to the "old town" section of the same town.

There are a handful of public parking areas nearby (lined in blue), whereas the bulk of the businesses are put together along this set of streets. While there is a lot of foot traffic and vehicle passage, which is appealing for almost any business, opening a car dealership in this area would require not only buying a building, but also the buildings surrounding it. You would need to bulldoze them for the necessary parking, which would be prohibitively expensive due to the cost of local real estate... and would probably get shot down in the application process by city planners and town councils and so on. Much easier to just buy land over in the strip where everyone's got giant parking lots and you can just add a few extra cramped lanes for the merchandise.

Car dealerships also tend to be very brightly lit, which hits a lot of NIMBY sore spots. It's much easier to go to sleep if you aren't right next to a glaring floodlight at a car dealership, so it's best if we just shove them all away from expensive residential, which means towards the loud stroads, which means... all along these two major roads/highways.

And if they're all limited to a narrow type of zoning already, they might as well take advantage of cluster marketing and just all set up shop near each other in hopes of stealing one of the other's customers.

As consumers, it's also better for us, because if we want to try out a few different cars from a few different brands, it's pretty easy to just go one building down to try out the Hyundai and see if it's better than a Chevy in the same price group.

(Prompt me on ko-fi!)

[chrisbitchtree]

Today’s the day. Billy’s finally going to use the key Steve gave him. The one that’s been hanging on the novelty keychain Max brought him back from her trip to Arizona with her father last summer, unused despite Steve’s insistence that Billy go over and make himself comfortable, swim in the pool, have a glass of wine, use the ugly leather massage chair in the garage on the evenings Steve works late.

He knows it would make Steve happy if Billy does as he’s asked, but Billy doesn’t want to appear too eager to take advantage of what Steve’s offering. There are a lot of strings attached to dating an older guy, one with money, a lot of it, and Billy doesn’t want to get tied up in them and trip, so he usually lets Steve pick him up outside the fourth floor walk up he shares with his buddy Argyle or meets Steve at whatever bougie ass restaurant he’s chosen for the evening.

This afternoon though, he’s sore and tired after a morning spent working on cars in the garage he works at and closer to Steve’s place than his own after a meeting with the bank to discuss a loan for the auto repair shop he and Argyle are planning to open once they find the perfect location.

He calls Steve at his fancy downtown office to notify him of his plan, the smile in his voice coming through loud and clear as he thanks Billy for finally taking him up on this.

“I’m so glad, baby. You work so hard. You deserve to pamper yourself every once in a while. Maybe we can order in tonight and have a relaxing evening together.”

Billy wouldn’t exactly say that Steve bending him over the side of the ouch or over the kitchen counter and fucking him within an inch of his life is going to be relaxing, but it’ll sure feel good to have Steve pressed up against him, murmuring about how well he’s taking it and what a good boy he is, making Billy’s toes curl as he nails his prostate and tugs on his hair, sucking dark purple marks where his shoulder meets his neck.

Billy’s smile stretches wide as Argyle drops him off outside Steve’s home, whistling low as he takes in the grandeur of the expansive property. Billy will have to convince Steve to have a pool party sometime so Argyle and their other friends can take it all in.

He thanks Argyle and waves good bye, entering the security code at the gate and watching as they swing open to grant him access to this alternate reality he’s been floating in since he met Steve at a club five months ago when he’d complimented Steve’s dance moves and the other man had offered to buy him a drink, which had turned into two, then three, both Billy and Steve wandering away from their friends to a table for two before ending the night spooning, naked and sweaty in Steve’s king sized bed.

He silently notes, as he always does, how big and empty the house is. He’d questioned Steve on why he’d bought such a big home instead of a luxury apartment one of the first times Steve had him over, and Steve had told Billy about his childhood, spent with a series of nannies while his parents travelled for work.

Steve didn’t want that for himself. He wanted a big family, at least six kids, running around and filling his home with noise and life.

He’d also told Billy that he he wanted that with Billy, and that he’ll wait while Billy made his way in the world and establishes himself as a business owner, but Steve’s thirty five and knows what he wants someday. It’s something Billy wants too, a big family to love and care for, and he can’t believe he’s going to get to have it with Steve.

He’s had friends ask if he feels like he’s just another possession to Steve, a piece of ass to show off at parties and events, but that’s not the case at all. He knows that he and Steve are very different people living very different lives, but Steve’s never been anything other than interested in Billy’s career plan and goals, never looking down on him for wanting to open a garage and work on cars. It can feel scary at times, falling for someone so fast, especially since Billy’s only twenty four, but it just feels right. He knows they’ll have an amazing life together.

His first order of business is to pour himself a large glass of wine to drink while he takes a hot shower in the rainfall shower in Steve’s ensuite bathroom. The first time he’d been in there, he’d joked that the only thing that would improve the experience would be a wineglass holder. It was an offhand comment, but the next time he was there, he noticed that Steve had had two installed near the door.

He places his glass in one of them now before starting the water up, letting it get nice and hot while he grabs a thick, fluffy towel and the plush cream bathrobe Steve gifted him with a few weeks ago.

He takes a big sip from his glass of red, savouring the taste, miles away from the two buck chuck he and Argyle favoured at home. He’d brought Steve a bottle when the other man had argued that there was no way something that cheap could be good.

Steve hadn’t given in, insisting that it was subpar at best, but Billy had noticed more bottles of it finding a home next to Steve’s expensive collection of vintages. It was fun to see his world make its way into Steve’s, a little bit at a time.

Taking a second sip, he stands under the hot spray, letting it fall on his shoulders and loosen the muscles tensed and tightened from a hard day’s work.

Feeling relaxed from the water and the wine, he washes up, then dries himself off and wraps himself in the robe before falling into Steve’s bed for a nap. Cocooned in Egyptian cotton sheets and a heavy duvet, keeping him warm under the air conditioning pumping through the vents. Setting his alarm for an hour, he closes his eyes.

Feeling refreshed after his nap, he wakes to a text from Steve telling him that he should be home at about 6:30. It’s 5:45 now. He has a bit of time, so he formulates a plan.

Standing up, he stretches, then opens the drawer where Steve keeps the sex toys, and pulls out the lube and a medium sized plug. It’s nowhere as big as Steve, but it’ll save them some work when Steve arrives, allowing them to get to the main event quicker.

He squeezes some lube out, warming it on his fingers before reaching around himself and teasing his hole before slipping a finger in. He moans quietly, pretending it’s Steve’s long fingers instead of his own. He works himself up to three before sliding the plug into place.

He heads back to the kitchen and pours himself another glass of wine before walking through the French doors that lead to the pool.

He sets his glass of wine on the pool deck and arranges himself on a lounger, ass up and on display for Steve to feast on when he arrives. Checking his phone, he sees that it’s 6:15. It won’t be long now.

Crossing his arms under his head, he closes his eyes, letting the warmth of the sun soak into his skin as he waits. He’s starting to doze, fading in and out, when he hears a voice. For a quick second, he gets excited that Steve’s arrived early, but then he registers the fact that it’s a woman and what she’s saying.

He stands abruptly, knocking his wine glass over as she starts to shout.

“Steven, there’s a man, a naked man on your deck. Who is he? Are you aware that he’s there?”

He looks up at the woman on Steve’s balcony, noting the family resemblance as he stumbles around, feeling like a deer caught in headlights. Not how he wanted to meet Steve’s mom, but he guesses he has no choice now.

He looks up at the woman on Steve’s balcony, noting the family resemblance as he stumbles around, feeling like a deer caught in headlights. Not how he wanted to meet Steve’s mom, but he guesses he has no choice now.

He looks up at the woman on Steve’s balcony, noting the family resemblance as he stumbles around, feeling like a deer caught in headlights. Not how he wanted to meet Steve’s mom, but he guesses he has no choice now.

He looks up at the woman on Steve’s balcony, noting the family resemblance as he stumbles around, feeling like a deer caught in headlights. Not how he wanted to meet Steve’s mom, but he guesses he has no choice now.

He stands abruptly, knocking his wine glass over as she starts to shout.

“Steven, there’s a man, a naked man on your deck. Who is he? Are you aware that he’s there?”

He looks up at the woman on Steve’s balcony, noting the family resemblance as he stumbles around, feeling like a deer caught in headlights. Not how he wanted to meet Steve’s mom, but he guesses he has no choice now.

[bitchesgetriches]

Uhh is it just me or had the APR for every credit card gone way the heck up?? The lowest I've seen is 17% and it's always variable like 17-28%. I'd like to do a balance transfer but I'm afraid any new card is going to give me an even higher interest rate than what I'm paying now! I have a credit score of 744 which I *thought* would've been good enough to find lower APR offers..

I read your ask and was like "that can't be right..." So I fact-checked it. And you're absolutely right. Even NerdWallet's list of the best low APR credit cards this month has STAGGERING interest rates! The lowest is 14.99%-24.99%, but you can bet you need at least a credit score of at least 800 to get the bottom of that range.

There are a couple explanations for this:

We're entering a recession and lenders are scared shitless about people's abilities to pay their bills. So they're trying to disincentivize you from getting a credit card.

The Fed is effectively raising interest rates across the board. I didn't initially expect this to affect credit cards (because that lending model is intentionally predatory), but I was wrong.

tl;dr It's real hard to get a loan right now, whether that's a line of credit, a credit card, an auto loan, or a mortgage. Good luck out there, babies. Here's some more info:

Season 4, Episode 3: “My credit card debt is slowly crushing me. Is there any escape from this horrible cycle?”

Credit Card Companies HATE Her! Stay Out of Credit Card Debt With This One Weird Trick 

A Hand-holding Guide To Getting Your First Credit Card 

[sacred-stanning]

Chapter 9 Part 5: Lute and Vanessa <3

To start us off, Lute gets rid of this last reinforcement. After this, we can finally start moving up to the chests and Tana above, and to the boss room entrance down and to the right.

Franz gets the Luna mage.

I mentioned Luna's bad hit rates and 0 might before, but here we can see just how dire it is. 28 is awful hit, and since all the attack comes from the user's magic stat with no added might from the tome itself, it isn't even that dangerous in a low-level enemy's hands. Even if this guy actually did hit and crit Franz, he still wouldn't kill him.

I start to move Vanessa forward, and...Oh! What's this? A support conversation?

...with Lute???

So, some of you may have been able to guess from the very tiny and subtle clues I've dropped here and there, but I absolutely love Lute, so I'm actually going to look at this support a bit.

It starts off with Vanessa saying, "Ah, you're...Lute, right?"

I remember at least a couple of other Lute supports start off with the other person not being sure of what her name is. It's consistent enough a factor that we can guess that Lute doesn't really socialize a whole lot with people in the army. It's not surprising given her personality and her obsessive interest in specific things.

After introducing herself, Vanessa introduces her pegasus, Titania.

At which point, Vanessa has stumbled on one of Lute's interests: creatures.

So Lute proceeds to monopolize the conversation and info dump on Vanessa.

She starts by talking about the different names for pegasus. This part in Japanese involves her not only using the katakana, foreign-derived word "pegasus", but also two kanji-based words, "sky horse" and "has wings horse".

Kind of like how we often use Latin or Greek based words in English when we want to sound fancy, or for technical terms (due to the history of Europe's obsession with the Greeks and Romans often being viewed as the "initiators of European civilization") in Japanese there is a tendency for words made up of combined Chinese characters to sound more stiff, or like technical terms. In many cases, this is because these are literal loan words that Japanese educated people adopted into their language, sometimes a couple hundred-thousand years ago when China was viewed as a center of culture and learning.

I think a good example could be the word she uses for "sky horse". The two characters are jammed together, and usually in those cases, the "Chinese" reading is used, which is true here too, "Tenma". (Like I mentioned above, the "Chinese" reading is based on the pronunciation of the characters that some Japanese guy got from the Asian mainland at some point in history. Many kanji have multiple readings like this since there are many different Chinese languages in different areas of what's now China, languages also change over time, and of course, Japanese phonology is radically different from any Chinese phonology, so the pronunciations are more like approximations of how some group of Chinese people read the character at some point in time. If you look in a detailed kanji dictionary, it will often tell you the Chinese dynasty/ies in power at the time the character's reading(s) was/were adopted into Japanese.)

If this word were using "Japanese" readings of the characters, it would probably be "Sora no uma". Just based on feels, "Tenma" sounds a bit fancier and stiffer, whereas "Sora no uma" sounds very straightforward because the words "sora" (sky) and "uma" (horse) are used in everyday conversation, whereas the parts of "Tenma", "ten" and "ma" are not used on their own usually.

I explain all of this because it's interesting how it's coincidently very similar to something we can see in English too. Take a word like "autograph". It's two Greek words, "self" and "write" jammed together. These words aren't used on their own usually. (I mean, maybe this is a bad example since these two parts both are used on their own, but that's only because "auto" can be short for "automobile", and "graph" can also mean a table or chart. What I really mean is, we don't use "graph" as the word "write" in English on its own. No one says, "Please graph your name on this line here.") But these parts are frequently used to express meaning as parts of words.

Imagine how "self write" (both Germanic words) would sound in place of "autograph"? It sounds very basic, almost too straightforward. This same thing that we do in English all the time with Latin/Greek/Norman based words is similar to what they do in Japanese with the distinction between words with an "original Japanese" origin versus a "Chinese" origin.

In English, germanic words often sound straightforward and basic. In Japanese, Japanese origin words often sound more straightforward. In the same way, in English, words made up of Latin/Greek/Norman French parts often sound more educated or technical. And in Japanese, that's often the case for words made up of combined kanji using the "Chinese" readings.

----END INFO DUMP---

At any rate, now that I've info dumped at you, you may see why I like Lute so much.

Lute goes on to explain to Vanessa (who rides a pegasus literally every single day) how they fly by kicking the air, not by flapping their wings, and that their wings are used more for gliding.

To which Vanessa kindly responds that, yes, it would be really hard to ride them if they flapped their wings all the time.

She responds like this instead of, you know, getting all prickly about this random girl lecturing her about the animal she knows better than any other.

God bless you, Vanessa. You're a saint.

Lute also continues to talk about the origin of the word "pegasus" and its connections to "springs" and "oceans", and basically, go look at Wikipedia if you want to see the rest of what she said. :)

Vanessa continues to be an absolute sweety and says, "Thank you for the very clear introduction. I'm glad we're allies."

And then Lute says, "I look forward to working with you, Titania!"

Vanessa: "I'm Vanessa!"

Like a lot of people, I've jumped on the Dungeon Meshi bandwagon recently, and it's hard not to get flavors of Laius from Lute.

At any rate, the original reason I moved Vanessa there was to block the soldier from hitting Lute, and Vanessa does an admirable job of that during enemy phase.

I also discover that there is another guy with a sleep staff in the throne room. He misses Vanessa though.

You can see how low his hit is on her, with her good res.

It's this guy, here.

I start sending people up to deal with the enemies around the chests and Tana. I leave Vanessa in range of the mercenary, and Ephraim in range of the armor, though it later on turns out that that guy doesn't move.

Next time: More reinforcements, more sleep staff nonsense, and maybe we'll finally save Tana

[auto-title-loans]

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[persofina]

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[poipoipoi-2016]

So I really do want to stress that pretty much every bank that made loans prior to mid/late 2021 is more or less insolvent at this point. That includes Chase Bank.

Because every single asset in the economy that was a loan at N% is now a cashflow at N plus about 6%. And being able to survive that hasn't been the contract of banking since about 1500.

And that's being covered up by the fact that very few of these banks are actually illiquid. So if you had $100 Billion in the bank, you had $10 Billion in the bank, and $90 Billion on your loan book paying interest so that you could pay your depositors but also like... your bank tellers.

And now you have $10 Billion in the bank, a steady if quite LOW cashflow, and those cashflows are worth $50-70 Billion depending on duration.

So you're insolvent, but not illiquid if someone wants a billion dollars.

Unless you're the Bank of Startups at which point congrats you're totally illiquid and now we have to notice the insolvency.

OTOH, if you let the Bank of Startups that used VC startup funding to give out mortgages go under, a lot of small businesses with a few million in cash (For that matter, Apple supposedly has a few hundred billion AUM floating around somewhere) go under, the Bank of Tractors is probably next. And the Bank of Auto Parts Stores and so on.

So there will be a liquidity bridge followed by a bailout where SVB ceases to exist and SVB bank accounts continue to exist.

Or there will be a horribly destructive financial crisis.