Ssssshhhhhh, keep it down, the industry might hear you.
But no, car loans are separate. I suppose you could add it by way of a HELOC or something, but no just tacking it onto the principle.
Climate Change...
- Thread starter 6thElement
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But no, car loans are separate. I suppose you could add it by way of a HELOC or something, but no just tacking it onto the principle.
As "Jetsons" as this sounds, I love the concept of these things:
Is the TransPod Calgary-Edmonton passenger hyperloop Canada's future? (electricautonomy.ca)
It sure would be awesome to get one built up there in the Texas of the North...
Is the TransPod Calgary-Edmonton passenger hyperloop Canada's future? (electricautonomy.ca)
It sure would be awesome to get one built up there in the Texas of the North...
Jesus Christ, no.
Al my car loans have had much lower interest rates than my mortgage. I did use a HELOC to pay off student loans which has absurd rates.
In NZ car loans would be somewhere between 7-20% pa, but mortgages can still be down at 3-4% although they are rising atm of course. The only really low rates we can get are either really short term and for lower amounts, or recently a couple of the banks are offering super low rates, like 1.5%, for building or other capital costs associated with greening stuff (solar, insulation, new eco-builds, ev power etc.)
The fun part about interest rates changing and then watching banks change theirs.....is that you realize they're borrowing too to finance your shit. I'm not quite sure the point of them or that system.
Imagine with me if you will: a bank, but operates with only the money that goes through it via it's own transactions. That way they can give loans based on credit worthiness defining an interest rate. I know I know, crazy talk (IE the way banks used to actually work)
The loose change sitting jamie dimon's weekend jeans could finance an entire town.
These banks need to quit freeloading and grab some bootstraps. Debt is the point to move wealth upwards, and banking middlemen just serve to spread debt. We should really do something about that at some point. I blame Changleen for not fixing this. I'm sure he's sat next to swiss bankers in a spa at some point. What gives?
Imagine with me if you will: a bank, but operates with only the money that goes through it via it's own transactions. That way they can give loans based on credit worthiness defining an interest rate. I know I know, crazy talk (IE the way banks used to actually work)
The loose change sitting jamie dimon's weekend jeans could finance an entire town.
These banks need to quit freeloading and grab some bootstraps. Debt is the point to move wealth upwards, and banking middlemen just serve to spread debt. We should really do something about that at some point. I blame Changleen for not fixing this. I'm sure he's sat next to swiss bankers in a spa at some point. What gives?
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Does it blame the jews?
Never even heard of it. Will do.
edit: okay just read some summaries and excerpts. Yep we gettin that one
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kidwoo,I follow you here,but not enough yet. I don’t believe you can’t buy a new car like Avy. I would guess and say it is not in you’re best interest? I always thought The most important object in Life,if you will,was to buy a House? Now I must say,Avy has bought Thousand’s of dollars on the Hobby of a Bike. Other than that Sick Un-Curable Matter,I have been a Good Boy. I bought my House with a 401k Fist time buyer option. One can borrow half of monies saved. I’m here now. Price has gone up over 100k,but the market is fickle,not counting on anything really,just hopes for the best. I have never like many,had a new car. I don’t understand All these young boys and girls,not just them,but most driving new cars? How can they afford it? I’m in CA so it is off the scale for Everything. 650 dollars with Insurance a mounth,or more? Krazy! How do they do it,and they go out to the club and eat? I make decent money,it took decades,but I have a Trade. Mabye they are selling coke?
Avy
Does it blame the jews?
Never even heard of it. Will do.
edit: okay just read some summaries and excerpts. Yep we gettin that one
I think you will find a few more institutions of humanity to despise.
Yes, it’s great. There’s even a comic version if you can’t deal.
I really thought I had a full set at this point...
Speaking of positives in the context of this thread, I was just looking at the heat signatures coming from the southern hemisphere again as previously discussed.
Slash and burn baby
I'm sure a buying a few offsets from the nature conservancy will make it better.
I will look into that after I drink my zero carbon beer and go for a dip in my renewable powered hot tub.
The secret is to sit so your farts bubble up right into your mouth.
My favorite new thing for figuring out where the fuck is this smoke coming from.
HD Satellite Map | Zoom Earth
NASA high-definition satellite images. Updated every day since the year 2000.
zoom.earth
Also on the topic of futility
HD Satellite Map | Zoom Earth
NASA high-definition satellite images. Updated every day since the year 2000.
zoom.earth
congo and amazon both, disappearing by the year...nothing buying a few teslas cant fix
Ooooh, wonder if I could get Mukulungu paneling in my next Tesla? That would be nice.
West Virginia coal miners help tourists push their dead electric car
A group of coal miners recently helped push a dead electric vehicle to a charging station in West Virginia.
www.foxbusiness.com
This just in: “Prius Owner In West Virginia Pushes Miner’s Wheelchair To Hospital As He Was Dying Of Black Lung”
Is there an updated version of that table to account for the last 30 months?
2020 is the best we've got (per the CDC). Mississippi for the fairly convincing win!
MS only has 5 years of social security to pay.
Id count that as a fiscal win.
You know, you may be onto something. SS solvency discussions always focus on reducing social security distributions or increasing contributions, not reducing the number of beneficiaries...
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I've argued that the cafeterias at work are there solely to ensure that any of the old timers with pensions die young.
Actually, yes. But it's a bad idea.
Ex. $40k, 4%, 5yr term car loan = $4,200 interest; $736 monthly payment
$450k, 2.5%, 30yr term home loan = $190,000 total interest; $1,778 monthly payment.
$490k (combined), 2.5%, 30yr term home loan = $207k total interest; $1,936 monthly payment.
You will end up paying ~$13,000 more in interest by combining. If you are smart and take the monthly cost difference ($736) and invest it, you might close the gap. But my math says no.
Apparently, I mentioned to MIL2 while they were here this last weekend, that TN has one of the highest infant mortality rates, lowest life expectancies, and lowest education levels in the country. Such a well known statistic to me and those in my world, that I didn't even realize that they were new info to her. She brought it up to Wifey today that it was really disturbing given the numbers vs. CA, which they just left. Oops.
Yeah, but they are making up for it with all that extra Freedum, right?
Humanity’s moment: ‘How can we find meaning in a world that is at once both heaven and hell?’
Facing the reality of climate change forces us to grapple with a range of complex emotions, and rigid logic will only get us so far
www.theguardian.com
This should be the absolute peak of hurricane season—but it’s dead quiet out there
Seasonal activity is running 50 percent below normal levels.
arstechnica.com
"ClImAtE cHaNGE iS a LiBeRAl hOaX!"This should be the absolute peak of hurricane season—but it’s dead quiet out there
Seasonal activity is running 50 percent below normal levels.