avatarLucy Dan 蛋小姐 (she/her/她)

Free AI web copilot to create summaries, insights and extended knowledge, download it at here

1469

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>

#OngoingAdventure

How to Submit to the #OngoingAdventure Fiction Series

Come join the collaborative fiction writing fun!

Photo by Florian Klauer on Unsplash

#OngoingAdventure: How To Submit

Thank you so much for hopping on by and being interested in joining my odd (but fun???) side project! As a kid, I was an avid reader of Goosebumps Choose Your Own Adventures series, and have always thought about how weird and exciting it might be to write one of my own.

There’s no better time than to start now, right?

How This Ongoing Adventure Story works

Different writers are able to contribute chapters to this “Ongoing Adventure” project. Each new chapter will have a series of potential options that the reader can choose from, leading them down entirely different paths.

How to Join TBIN as a writer

To join as a writer in The Brain is a Noodle, check out this link! The google form to sign up as a writer is right in there. By joining, you’d be able to submit #OngoingAdventure pieces, as well as poetry and shortform pieces:

Rules for #OngoingAdventure pieces

  • Title. Your piece must have a brief title (think of it like a chapter title). Please have the hashtag #OngoingAdventure appear before it. (E.g., #OngoingAdventure: The Eggs Go On Strike Again)
  • Subtitle: As your subtitle, please indicate which story option from the previous chapter has been chosen.
  • Photo. Please include a stock photo at the beginning and clearly . If you choose to include your own illustration or photo, please indicate in the captions.
  • Beginning Formatting. Before you begin your chapter, please include a link to a) the previous chapter, b) the first chapter and c) link to invite others to submit a chapter.

Sample format:

Previous Chapter || Start From The Beginning || Submit Your Chapter Here

  • Story. Your piece can follow any genre but follow logically from the previous chapter, especially relating to any choices/ options that readers select in order to read your piece.
  • POV. Since this is a “choose your own adventure” series, it should be written in second person pov. E.g., the main character is the reader.
  • Ending Formatting: Include between 2–5 potential actions that readers can take (and that writers can use as starting points for the next chapter!). As people submit downstream chapters, I’ll be hyperlinking these options. Others may also decide to add on to the list of options available.

Sample format:

You walk up to the receptionist’s desk but no one is there. You decide to:

👉 Sit and wait for five minutes. 👉 Walk further into the office and explore to see if anyone else could help you out. 👉 Ring the bell on the desk to see if anyone answers. 👉 Look up the office’s phone number and call to see if you’d gotten the wrong date

  • Story Tags: Please include Ongoing Adventure (with spaces) as part of your tags! Fiction would also be a good tag to place your pieces under.
  • (Optional) You may also decide to tag friends and community to join in on the fun! This is entirely optional though.
  • Please follow all other Medium guidelines and rules.

Please note that by submitting, you’re agreeing to allow editors of TBIN to add potential new options to the downstream options of your piece. This would include: allowing us to update any new links in your piece for people who have submitted pieces that link from your chapter.

What are you waiting for? What’s your next big adventure?

👉 Join TBIN as a writer 👉 Start the next chapter of the #OngoingStory 👉 Start reading the #OngoingStory series from the beginning!

Ongoing Adventure
Fiction
Submission Guidelines
Recommended from ReadMedium
avatarAlan Schilling
Reborn Again

A Poem

2 min read