avatarBruce Coulter

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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><

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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>

My life story in 779 words

My daughter, Briana and I posed for a selfie at Gettysburg National Military Park earlier this year. © Bruce Coulter Photography

I’ve been on Medium for a few months now. I left for a short time but decided to come back and give Medium another shot.

I turned 64 recently and look forward to at least 30 more years on this marble. That’s assuming we don’t kill this planet before then by continuing to pump more fossil fuels from the ground. God, disease, climate change, and death will have the final say.

I first put on a military uniform in 1976 at 17, when I shipped out to Parris Island for boot camp. Twelve weeks later, I graduated and found myself climbing too damn many hills at Camp Pendleton. At Pendleton, I encountered two new experiences: Racism and rhythm and blues.

I and a handful of marines reported aboard to attend grunt school. We got off the bus at a group of barracks — it was assumed we’d finally arrived at our duty station. Instead, we found a couple of MPs telling us to get back on the bus. The barracks in question were apparently “reserved” for black marines. I was stunned. Hell, everyone I arrived with was shocked.

I grew up in a predominantly white-bread community in central Massachusetts. Our local radio station played top 40 music — think Casey Kasem’s American Top 40 — or country music. Sure, we could hear the Jackson 5, Smokey Robinson and The Miracles, and a few other black groups, but that was it. I’ve loved listening R&B from that point on. I listen to different genres, including country, but 95 percent of the time, it’s all about R&B for me.

The most important thing I learned during my career is that we are all the same. I didn’t care who was to the left or right of me — they had my back, and I had theirs. Not all of the marines I knew felt that way. Of course, there was racism in the Corps. In North Carolina in the late 70s, to some, it felt like the 50s and 60s. I won’t dwell on the ignorance I saw in the military because I know it got better. But it wasn’t perfect.

I served several tours in the Pacific and was poisoned by contaminated water while at Camp Lejeune. The bill has come due for the dirty water, but thus far, Uncle Sam has refused to pay the tab.

I left the Corps in 1984. By 1987, I found myself in Kansas. My now ex-wife was born in Wichita. I loved that place so much I ran to the Army recruiter’s office and enlisted. I spent five years on active duty before my injuries wore my ass out. I finished my career in the National Guard, which retired me after my injuries made it difficult to do my job.

I kicked around for a few years. My mental health issues didn’t help much in finding and keeping a job. In the fall of 2000, I was offered a reporter position at a small weekly newspaper for two reasons: First, the paper, owned by the New York Times, received a tax credit for hiring a disabled veteran. Second, it turned out I was related to the original owner of Coulter Press.

Sadly, I knew I wouldn’t last long. A month into my budding career, the managing editor told me most new reporters were smart enough to keep quiet. I said if that’s the case, she hired the wrong person. I already had one strike against me. I immediately went right to strike three.

Eventually, I freelanced for a daily newspaper in central Mass. I worked as a gopher for the same paper for about a year before latching onto Stonebridge Press in Southbridge, Mass. A little more than a year later, newspapers began their downward spiral. The beancounters came in one day, and I was laid off the next. Who knew $28K was an excessive amount of money? My last newspaper, once known as GateHouse Media, aka OutHouse Media, began large-scale layoffs to make a merger with Gannett News work. Guess who was on the list? Yep.

I finally said to hell with it and retired. I’m fortunate that I don’t have to work, but I enjoy working. However, sitting around the house shopping on Amazon will kill you quickly — financially, anyway.

So I put my camera skills to work and included my photos in my stories on Medium. Did I cut to the chase here? Yeah. I’m not getting any younger and probably boring y’all to death.

That’s my life in a tiny nutshell. See you around Medium’s water cooler. Cheers!

I accept tips, which go directly to Dining for Hunger, a recognized 501(c)(3) organization that looks to end food insecurity. If you can spare a dollar or two, I’d be grateful.

Biography
Camp Lejeune
Newspapers
Layoffs
Photography
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