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Friday, June 2, 2023

self-reassuring

 Most of these entries (nearly all of them) are the result of painstaking (in five minutes) research, but they might end up sounding didactic (which is a much better word than "Pedantic" which is wildly misinterpreted.)

The didactic make Youtube videos anyway, I'm never sure why though.


Minimum Payments: It's an unspoken rule-of-thumb to always make higher than minimum payments, but if you can't afford it, it's pointless to pay too much, beeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeecause,

The minimum payment arrives the following month with no regard to the overblown, inflated payment you made LAST month.
They don't think of it as a tip or a favor, and I doubt real-people actually see your payments at all, unless someone is evaluating your iffy credit rating.

Pay (uh) double the minimum, just know that they won't care.

I doubt they frown on minimum payments, it's more of a credit-status thing.
Are you worthy?
Many minimums to lots of creditors, looks bad, and paying off the amount owed almost immediately looks bad too (maybe you won the lottery, or a relative died)

But...

Amazon has promotions saying that if you pay a given amount before a certain time (eg, 12 months) you pay zero interest.


Which is easy enough to remember, if you never buy more than one product at a time.
But no one does, they'll buy two or three products, and not all of them at the same time.
So...

Do you add the advertised Payments to achieve the zero-interest?
Do the payments for each product you buy, add up?
In other words, the above picture wants 50.67 monthly.
A second promoted product adds to that amount and could quite possibly add up to a dangerously high amount.

OK so far we have 50.67 PLUS 34.67, a ridiculously high amount.
Paying (for example) $60 isn't good enough, and you'll be slapped with a HUGE bill (on top of your bill.)

And so I must either do heavy-math quick, or start (in July)
making $85.34 minimum payments. At least ONE of those payments will have to be, $110.68, because my first payment was an anemic $60.

I also do not know, cannot remember, if the interest applied at the end of a year (six months, whatever) is from the entire purchase price, or only on the balance owed.

Plus, (I'm not sure) the figures I quoted in the pictures aren't the exact amounts I am required to pay.
They're probably close. But I'm no richer-than-god estate holder, and I won't be making automatic payments, (from some fund,) so each month for a year, I'll agonize over my very bad math to see if I'm currently paying the optimal amount.

For example.....I paid $25.34 as a *second* payment, but actually I'm $0.47
*short* this month. 
ANY negative amount, owed at the end of the promo-period would give them license to add many more dollars in interest to their loan.

I keep thinking of the optimistic balloon-payment at the end of the promo period, where I just pay off whatever I owe at the last possible day, but it's wishful thinking that I'll have that much money to burn.





This is a random thought that does not rate a blog.
On Bing's front page are several topical news-type articles, ranging from disasters to makeup.
Under the headlines, each article is rated.
But they do not say what the articles are rated for.
Accuracy? 
Spelling?
Subject matter?
Or are they reactions to the factually accurate, correctly spelled articles?
If people are allowed to rate news, uhm, then maybe people will break up into little groups of believers vs non believers....Just like real estate is now with people buying houses next to their kind, people will only read news that coincides with their friends and neighbors' beliefs.
Coincidentally, India has officially taken Evolution and the Pythagorean theorem from textbooks...it's related, I swear. (ble?)(Ble!)
^&%$ wtf??
I'm not looking for "Fair-balanced"
(Lol)

News aggregators (That's a new one)...OK "cat"-stories are praised with no negative.
Political stories are 50-50, and stories on Gays look real bad.
IDK.
Bing be more fair+balanced methinks...
Here:
Top of the top stories on Bing

Google is more retrofied.
Recalcitrant.
(Political Bias)
Make the top stories about felines,
watch yer ratings soar
(or whatever, maybe it's the biased editors)












You know all those exotic places James Bond goes?
Is there a subliminal message, "Welcome to wherever, your new expensive home."
Or words to that effect.
This ad of a teeny plane (teeny) with huge headrests makes me wonder what happens when you encounter a fat-woman coming the other way as you trek to the toilet.
Live the fantasy, "Welcome to Our plane, Mr. Bond," while an anonymous actor checks for lint.

After you submit to government appointments to be able to fly somewhere, you OD on imodium to be able to sit quietly for a few hours, to arrive at your destination, a dusty *hot* place with very pushy salespeople and shoe-shine boys.
Sit in your dinky hotel room for a few minutes, then join the tour they've prepared for you.
Don't eat anything, don't drink anything, do not go swimming, and if you're lucky there is no war and no one will arrest you for spying.


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