avatarAiden (Illumination Gaming)

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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>

Social Media

Twitter Might Get Locked Behind a Paywall, According to Elon Musk

Elon Musk wants to combat bot accounts on Twitter by locking it behind a paywall.

Image by Dee from Pixabay

I’ve chatted about all sorts of Twitter and Elon Musk stuff in my previous stories, and you can find those linked at the end of this post.

But right now, I wanna dive into something juicy: Elon Musk’s thinking about making Twitter a pay-to-play gig to tackle those pesky bot accounts. Let’s get into it!

So, guess what? Elon Musk dropped a bombshell on Twitter, and it’s got a lot of people scratching their heads. According to a recent BBC report, Musk is thinking about slapping a paywall on Twitter.

Yeah, you heard that right. Paying for Twitter. It all came out during a live stream chat with the Israeli Prime Minister, Benjamin Netanyahu. So, what’s the deal? Musk spilled the beans, saying:

“We’re moving to having a small monthly payment for use of the system.”

But what’s the reason behind this crazy idea? Well, he thinks that making folks pay even a few bucks will scare the bots away. Yep, those pesky bots that have been plaguing Twitter like an infestation.

But hold on a second, because wasn’t Twitter already trying to battle these bots with something called X Premium, which used to be called Twitter Blue?

You can read about it in X’s help section, which, as of the time I’m writing this, still mentions Twitter and “Tweets.” Musk even made it his mission to “defeat the spam bots or die trying” back in April 2022.

But here’s where things get interesting. X Premium basically replaced the old verification system, making it impossible to tell important figures apart from someone who just coughed up eight bucks.

Now, this has created a wild situation where spammers can pay that fee to get their comments boosted and even weaponized by chaos-loving users to mess with pharmaceutical companies’ stocks.

I don’t know about you, but when I scroll through Twitter these days, it’s like I’m trudging through a swamp of incendiary comments and spam before I can even find a decent discussion.

And Musk’s solution? He believes that a lower fee would scare off the bots that are already using the pricier X Premium. He says:

“We’re actually going to come up with a lower tier pricing. So we just want it to be just a small amount of money […] This is a longer discussion, but in my view, this is actually the only defence against vast armies of bots.”

But here’s the kicker: there’s some confusion about what Musk actually meant. Some folks are trying to argue that suggesting a lower-tier subscription doesn’t mean it’s required to use the platform. Seriously? That doesn’t add up to me.

If there’s a cheaper option for boosting content, it would probably make the spam situation worse. To make it work as intended, the free version of Twitter would have to be practically unusable, or else there’d be no reason for bots to cough up any cash.

It’s not the first time Musk has dropped a policy change grenade in the middle of his Twitter town square. And if he changes his mind on this one, it won’t be the first time he’s done a U-turn.

Remember that rate limit thing that came and went? Yeah, Twitter’s been through a lot of changes, and the rebranding still hasn’t gone site-wide.

Final Words

In spite of these hastily implemented policy changes, not a single one seems to have put a dent in the spam problem.

In fact, some argue that X Premium has made it worse. Musk’s plan seems to hinge on the idea that spammy companies won’t want to spend money to make money, but that idea just hasn’t panned out.

So, whether you love it or hate it, it looks like the Twitter saga is far from over.

If you enjoy my posts and would like to stay updated on the latest gaming-related news, technology advancements, design trends, and social media insights, I invite you to follow my profile.

I will continue to share my thoughts and insights on a wide range of topics in the world of entertainment and technology.

With that being said, thank you for reading my post, and have a good one.

Here are my previous collections.

Here’s What I Wrote in July 2023.

Here’s What I Wrote in June 2023

Here’s What I Wrote in May 2023

Here’s What I Wrote in April 2023

Here’s What I Wrote in March 2023

I provided an update on my last month.

Here are a few of my previous stories relating to Twitter and Elon Musk I believe you will enjoy:

References

Elon Musk: Social media platform X, formerly Twitter, could go behind paywall.

Elon Musk potentially eyes locking Twitter behind a paywall to combat ‘vast armies of bots.’

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About Me

I write articles in my field covering gaming, film-making, social media, and design. I am also a YouTuber. Thank you for subscribing to my account to get notifications when I post on Medium. I also created a new website to share my content for free and promote stories of writers contributing to my publications on Medium. I also have a Substack newsletter. Let’s connect on Twitter and LinkedIn.

I own two publications on Medium. One for video gamers and another for YouTubers and Podcasters. I also support Illumination Integrated Publications as a volunteer editor and participate in collaborative activities in the Slack Workspace. Writer applications for my publications can be sent via this weblink. Please add your Medium ID.

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Elon Musk
Twitter
Social Media
Virtual Reality
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