avatarGeetika Sethi

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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>

POETRY TRINITY–A fusion of 3 interrelated poems.

Sad Songs

A true story of a friend’s life in the doldrums, and as I heard it, this trinity poem came to life.

Credits — Adobe Photoshop through Google Images.

The day started with me and my friend sitting out in the garden and talking away to glory. Soon her light chatter got converted into serious talk that moistened her eyes with every word she spoke. Little did I know, that there was a lot of upheaval in her life… and just like that, in listening the day went by. She left for her home in the evening to go back to her grim life, but what she left behind for me was a deep thought. I sat introspecting all she had said and eventually felt the need to vent it out. What it seemed and felt like was a solid burden- with a deep penetrating pain that ran through my mind into the heart and there was nothing I could do. Since a friend’s secret is for keeps, I saw nothing to help ease her pain or get it out from me until the moment I remembered that “Words are Weapons”. So without further disclosure, I penned down these three interlinked poems and titled them “Sad Songs” taking inspiration from the old movie — “Sad Movies” and the famous song “Sad Movies -Always Make Me Cry”.

Credits — Luis Galvez On Unsplash

When communication lessens, one often wonders…

To Believe Or Not To Believe?

“He said he loved her, but never in her ear; so how does she know the truth about something, she can’t hear?

At times he made her feel good, so very special and rare; bad times by her side he stood, undoubtedly he used to care!

He says he still loves her, she doesn’t know whether to believe; it’s just so hard for her; to be her, or to step away from him and leave?”

And then she kept on reminiscing over all that he had said to her in…

What He Said…

“He said he loved her, he said it was true; he said he cared, “sweety, it’s only for you.”

Dear, but when she gave you her heart, her love, her soul, herself completely; she felt with it; you flew away, tore her apart, making her feel, you loved anyone but her.

She sat whole night, tears rolling down her eyes, thinking about all you had said, all your lies; wishing she’d known that with her feelings you’ll play, the day you came dear and swept her heart away!

She said she cried herself to sleep each night and thinking about how hurt she must be, caused me disturbed sleep too. So in the wee hours of the morning, I woke up with a jolt and with a list of questions playing in mind, making me wonder…

Why???

Why can’t she get over you? Why does she have to feel so blue? Why did she have to love you so much? Why does she long for your heavenly touch? Why can’t she get you out of her mind? Why is her love for you so blind? Why does it grow with passing time? Why is her love for you so prime? Why don’t your love for her you show? Why don’t you want the world to know? Why? Why? Why…she wonders why? Why can’t your love perfume her sky?

As I ended penning these down I thought at first, should I share with her or not? But then, as she was the inspiration, I did, and it made her happy that I could give her feelings a Voice. So as I publish it here with her approval, she too is taking a brave step- she is printing and giving them to her husband, hoping for a miracle to happen. And I would like to end these “Sad Songs” by wishing her all the best, not just for now but for each day in life. May only love and happiness knock on your door my dear friend and I soon get to write “Happy Songs” for you.

©️ Geetika Sethi July 2020

To know more about me and my expression through words, follow me on

Join me on Instagram & Facebook — @QuotesUncoat & @ my.fan.clan and to see my tweets on @Gits72 & @MyFanclan1 on Twitter.

Relationships
Illumination
Sadness
Happiness
Poetry
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