avatarMark Suroviec, M.Ed.

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Abstract

<p id="5d64" type="7">一言蔽之,在考慮所有利息、手續費、服務費、雜費、還款假期、利息回贈、現金回贈、分期供款等花巧東西後,化繁為簡,變為我們最熟悉的那個利率便是「實際年利率」喇!</p><h1 id="6d4d">認識「實際年利率」的好處</h1><p id="3f62">好處只有一個,因為「實際年利率」是一個化繁為簡後的利率,赤條條無遮無掩無得花巧,<b>所以是一個可以用來 apple-to-apple 用來直接比較不同貸款方案利息平貴的 rate!</b> <b>其他所有 rate 什麼手續費什麼月平息基本上都可以掃開喇!</b></p><h1 id="bf34">APR 很好,但要小心別把優惠 double-count!</h1><p id="752a">根據銀行公會的指示,如果銀行為客戶提供現金回贈時,是有責任<b>同時提供</b>「包括」和「不包括」現金回贈的 APR,但在廣告 tagline 時仍然可以選擇只寫其中一個 (當然是抱括現金回贈的那個,因為那個 APR 較低嘛)。</p><p id="99ae">以大新銀行「分期快應錢」做個例子,貸款額 $100 萬的客戶一般可享 $2,000 的現金回贈,以 12 個還款期計算,當考慮這筆 $2,000 回贈時,APR 為 2.08%,不考慮時則升至 2.45%。</p><figure id="a9d1"><img src="https://cdn-images-1.readmedium.com/v2/resize:fit:800/1*mq63eY3Knbz21nm0RbCoqw.png"><figcaption>source: <a href="http://www.dahsing.com/html/tc/personal_loan/express_money.html">http://www.dahsing.com/html/tc/personal_loan/express_money.html</a></figcaption></figure><figure id="cb60"><img src="https://cdn-images-1.readmedium.com/v2/resize:fit:800/1*WEIvTX8iHtWCiQ1ZS9cPJg.png"><figcaption>source: <a href="http://www.dahsing.com/tc/pdf/loan/em_T&amp;C_tc.pdf">http://www.dahsing.com/tc/pdf/loan/em_T&amp;C_tc.pdf</a></figcaption></figure><p id="df8b">但當你瀏覽宣傳單張、瀏覽網頁或在分行被銷售的時候,經時會看到 / 聽到類似的話:</p><p id="023a" type="7">好抵架,如果借 $100 萬,APR 低到 2.08%,「仲有」 $2,000 現金回贈添!</p><p id="57dc">留意番,魔鬼就在「仲有」兩隻字嗰度,2.08% 已考慮 $2,000 現金回贈!所以唔應該係「仲有」,而應該係「包括咗」... <b>一個不小心就會把優惠 double-count 了!</b></p><p id="cba2">另外一個可以降低 APR 的方法便是提供「首月還款假期」,即第二個月才開始還款,類似的 tagline 包括:</p><

Options

p id="8889" type="7">好抵架,如果借 $100 萬,APR 低到 2.08%,「仲有」 首月還款假期添!</p><p id="3599">謹記所有優惠也會影響 APR ,<b>分清楚到底廣告/職員說的到底是「優惠前」還是「優惠後」的 APR 就能作出精明選擇了</b></p><p id="166e">版主推介:</p><div id="7d3e" class="link-block"> <a href="https://medium.com/@Watin/%E9%8A%80%E8%A1%8C%E5%B0%8F%E7%9F%A5%E8%AD%98-1-%E8%B2%B8%E6%AC%BE%E5%89%8D%E5%BF%85%E8%A6%81%E6%90%9E%E6%87%82%E7%9A%84-78-%E6%B3%95%E5%89%87-c4fbdc2cd0c3"> <div> <div> <h2>銀行小知識 (1) — 貸款前必要搞懂的「78 法則」</h2> <div><h3>知道了做貸款便有預算了</h3></div> <div><p>medium.com</p></div> </div> <div> <div style="background-image: url(https://miro.readmedium.com/v2/resize:fit:320/1*jNn_gXMBUzrq4tf_96JwXA.png)"></div> </div> </div> </a> </div><div id="6ca5" class="link-block"> <a href="https://medium.com/@Watin/%E4%BF%A1%E7%94%A8%E5%8D%A1%E9%96%91%E8%AB%87-11-%E5%B8%B6-2-%E5%BC%B5%E5%85%AB%E9%81%94%E9%80%9A-50b7ca868310"> <div> <div> <h2>信用卡閑談(11) — 如何賺盡八達通回贈?</h2> <div><h3>帶 2 張八達通出街!</h3></div> <div><p>medium.com</p></div> </div> <div> <div style="background-image: url(https://miro.readmedium.com/v2/resize:fit:320/1*acfp_LQv6zcOi9ce0R0-Pg.png)"></div> </div> </div> </a> </div></article></body>

💗Self-Help Satire💗

Definitive Guide to Romance with (Not-a-Doctor) Mark

✅Three porcupines ✅Sulfuric acid ✅ Blowup doll of Vladimir Putin

Need some spice in your love life? You’ve come to the wrong place — Made by Author in Canva Pro. Original photo by Dean Drobo

Dear Not-a-Doctor Mark is a monthly column where non-guru Mark Suroviec, M.Ed., answers your self-help questions on topics he doesn’t fully understand.

Mark’s Definitive Guide to Romance — February 2023

Question #1

Dear Not-a-Doctor Mark,

Can you recommend a swanky restaurant for Valentine’s Day? My fiancé is from old money, and I really, really, REALLY want to impress her.

— Needs a Big Win

The response

Dear Guaranteed Big Winner,

Your lady friend is from old money? Rich people don’t get that way by being frivolous; the best way to impress her is with fiscal discipline. My recommendation for the perfect fine dining experience is the $1.50 hotdog in the Costco food court.

Suppose your fiancé isn’t wooed by the lover’s paradise of American consumerism or by your responsible displays of financial stewardship. You will have plenty of money left to buy her a dozen carnations or a faux gold tennis bracelet. Pay extra for the finest cubic zirconia.

You’re welcome,

— Not-a-Doctor Mark

Nothing shouts romance more than processed meatsMidjourny + Edits by Author in Canva Pro

Question #2

Dear Not-a-Doctor Mark,

What’s that app you use to make presentation slides instead of PowerPoint? You told me about it after a staff meeting, but I can’t remember what it’s called — My plans for Valentine’s Day? Dungeons and Dragons night!

Clueless Chris

The response

Dear Clueless Chris,

My heavily sheltered D&D friend, the best alternative to PowerPoint is called Tinder. Please download it to your work computer and purchase a subscription with your company credit card.

Be patient when you join; the software has a minor bug. Before creating a slideshow, you must swipe right on 100 or so ads resembling dating profiles.¹

Lastly, I like to be humble about giving advice. If Human Resources asks why you use Tinder at work, please don’t mention my name.

You’re welcome,

— Not-a-Doctor Mark

Followup

Dear Not-a-Doctor Mark,

Deidre, the attractive intern in Accounts Payable, saw me on Tinder and sent me a direct message. We’re circling back at Club Luv-r-z tonight to fine-tune my PowerPoint. She asked me to send pictures of my slide deck before the meeting. Oh, that’s odd— she spelled deck wrong.

Clueless Chris

Rawwwrrr, sexy cat sounds — Made by the Author in Canva Pro. Source photo by RedHedsRule

Question #3

Dear Not-a-Doctor Mark,

My boyfriend is into weird kinky sex stuff. Last weekend’s love marathon involved three porcupines, balloons of sulfuric acid, and a blowup doll of Vladimir Putin.

I’m much more conservative. My idea of intercourse is a small Amish town in Pennsylvania.

Are we doomed to fail, or do opposites attract?

Un-Randy Ruth

Response

Dear URR,

That is the ultimate question. What I know about human relationships is the healthiest people bottle up all their feelings deep inside the blockchain crypto vault of their hearts and change their outward behaviors to please their significant other.

This inauthentic façade is the key to long-lasting and beautifully one-sided romance.

Should you wish to join your boo daddy in his sexual shenanigans, WD-40 makes a silicone-based lubricant that does not irritate the skin.

If you want to engage in undiscovered boundaries for lovemaking, consider getting certified in Shades of Grey #35 through #49 using my affiliate link.

You’re Welcome,

— Not-a-Doctor Mark

Yes, it’s a real place. Photo by ©2006 Derek Ramsey (Ram-Man), via Wikimedia Commons

Question # 4

Dear Not-a-Doctor Mark,

I’m a concerned father who thinks my daughter is too young to date. Can you advise how to scare away potential suitors until she becomes more mature?

— Overzealous Daddio

Response

Dear Responsible Father Figure,

I don’t think you are overzealous — maybe medium-zealous? I lack experience in this area, but I’ll do my best to help. My oldest daughter is only ten, so she’s still dozens of years away from being interested in boys or getting a cell phone.

What makes this question challenging is our society’s arbitrary definitions of adulthood. At which milestone does someone become an adult? Is it reaching puberty (12–14), legally voting (18), buying alcohol (21), renting a car without a co-signer (26), or opting out of their parent’s family cell phone plan (30–40)?

I can’t help you with the philosophical questions of maturity and responsible personhood, but I can share this story from my time as a single dude.

I visited my friend Jaqueline over the holidays. She still lived with her parents and decided to give me a tour of the house. As Jaqueline and I walked up the stairs, her father’s gaze shot toward me with metaphorical daggers.

I wasn’t sure how to respond because there’s no universally recognized sign language for — I have no romantic or sexual intentions towards your daughter. Our relationship is purely platonic. Or non-platonic. I can never remember which one is which.

After a three-minute jaunt around the house, we returned to the kitchen, and Jacqueline’s dad was holding literal daggers. In his hands were a sharpening stone and a 12” Bowie knife. He casually caressed the blade with the whetstone but never took his eyes off me.

That was the first and last time I visited Jaqueline. ²

You’re Welcome,

— Not-a-Doctor Mark

Jaqueline’s dad is pretty chill. Made by Author in Canva Pro. Original Photo by Victorass88

Question # 5

Dear Not-a-Doctor Mark,

I think I love my girlfriend. How do I know if she’s “the one”?

— Overthinking Bachelor

Response

Dear OB,

I’m tempted to respond with more of my satirical tomfoolery. Instead, I’ll share with you the relational wisdom my mentor told me when I was in college. It blew my mind at the time and remains the best advice I’ve ever received.

Most people get married because they are in love. That’s the dumbest reason I’ve ever heard. Love is a choice, action, and commitment to another person putting their needs above yours. You should only get married if you make the world a better place as one family instead of two individuals.

Love is not a feeling you can fall in or fall out of.

Regarding your question about the one, there is only one guaranteed way to know if she’s the one.

Put a wedding ring on her finger.

Then she’s the one. The time for questioning is over. You made a commitment before your friends, family, the state, and God. Honor that commitment until the day you die.

Now spend the rest of your life loving her faithfully and prove she didn’t marry a dumb*ss. ³

You’re Welcome,

— Not-a-Doctor Mark

Sir Francis Bacon and his wonderful wife, Lady Chicken n’ Waffles, celebrate 12 years of marriage— Author’s photo

Footnotes

¹ Inspired by a true story of a prank I played on a sheltered co-worker.

² Unlike most of my satirical stories, this interaction with Jaqueline’s dad actually happened. Yikes!

³ The jury is still out on whether or not I’m a dumb*ass. Thanks, Burress. I try, and often fail, to follow your wisdom on sacrificial love every day — But I never stop trying.

Want to read the entire Not-a-Doctor Mark series?

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Thank you, Hollie Petit, Ph.D. and Toni Greathouse.

Love
Valentines Day
Relationships
Satire
Humor
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