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raincode-archives · 6 months

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Chapter 4 Loading Screen Trivia

Note: Currently, I do not know which of these trivia may be general game trivia or Chapter 4 exclusives (if there is any). And there may be trivia I'm currently missing that I will add later on, if I find any more.

World Detective Organization (WDO) An extra-legal, extra-privileged organization devoted to eradicating the world's unsolved mysteries.

Detective Deed An identification card. These are granted by the World Detective Organization.

Master Detective Among the detectives belonging to the World Detective Organization, this is a detective with a specialized power called Forensic Forte that aids in their investigative activities.

Forensic Forte Those exhibiting innate talent for special powers like clairvoyance or mind-reading are trained by the WDO to develop a supernatural investigative ability called Forensic Forte or simply, Forte.

Amaterasu Corporation Many products are in development, some of which cannot be made public.

Amaterasu Peacekeepers A department of Amaterasu Corporation. They serve as a sort of police force within Kanai Ward.

Kamasaki District Crime generally isn't bad here, unless you venture deeper inside, that is.

Riverbank Due to polluted waters, fish are rarely caught.

Kanai Station The only train station in Kanai Ward. It's a magnificent building, but seldom has customers because of the city's isolation.

Kanai Ward Living Condition Perhaps because of the daily rainfall, some people in Kanai Ward don't mind getting wet.

TV Programs Nearly all the TV programs broadcasted in Kanai Ward are sponsored by Amaterasu Corporation.

Popular Sports Parkour is popular among the young men of Kamasaki District. New problems have arisen however, what will all the trespassing and running across the top of food stalls.

Means of Communication Most communications to people outside of Kanai Ward are tapped and monitored by Amaterasu. The phone at the Nocturnal Detective Agency uses a different type of line to prevent eavesdropping.

Pets Because of Kanai Ward's unending rain, indoor pets are popular. At the same time, there is increasing concern of many dogs and cats become feral after being abandoned by irresponsible owners.

Kanai Ward's Electrical Power Because of the perpetual rain, electrical power is derived predominantly from rainwater.

Flavor of Halara's Candy Depends on the mood. The worse the mood, the sweeter the taste; the better the mood, the lighter the taste.

Fubuki's Accessories Fubuki's necklace has a clock motif. The choker is decorated with video playback control symbols.

Vivia's Book Catalog Novels, columns, essays, all sorts of things. There's no particular preference for genre; he reads just to pass time.

Vivia's Garments There are just bandage-like wrappings beneath his coat, so it wouldn't be accurate to call it clothing.

Amaterasu Corporation The megacorporation controlling Kanai Ward. It deals in a wide variety of goods such as industrial products, electronic appliances, as well as pharmaceuticals.

Kanai Ward Currently, Kanai ward is isolated from the rest of the world. Few people enter and leave and very little information goes beyond its walls.

Kanai Tower Lease agreements are available, but the monthly rent costs as much as a luxury car.

Ama-Pal Different versions of Ama-Pal exist, but among the scarce limited edition releases, there is evidently a bear variant with differently colored left and right sides.

Ama-Pay An electronic payment system courtesy of Amaterasu Corporation. It can be used at almost any shop in Kanai Ward, but rumor has it the company collects personal data from each transaction.

Popular Appliances Indoor dryers are very popular in Kanai Ward. Amaterasu Corporation's new "Kagutsuchi" model is quite excellent, capable of drying any type of laundry in just two hours.

Amaterasu's Latest Products A drone car that will autonomously deliver you from departure...to tomorrow. "Amenotorifune." Coming soon from Amaterasu Corporation.

Amaterasu's Latest Products Fall asleep in an instant.... And slumber for eight hours without waking up...no matter what... "Snoozewell," coming soon from Amaterasu Corporation.

Amaterasu Lab Research facilities located in the underground section of the Amaterasu Corporation. Access to the lab is highly restricted, even among Amaterasu personnel.

Amaterasu Security Entry to the premises requires employee IDs, as well as biometric authentication via retinal scans, making it practically impossible for outsiders to infiltrate Amaterasu Corporation.

Blank Week Mystery A phrase considered taboo in Kanai Ward. The meaning of the phrase is unclear

Makoto's Masks The mask is different ever morning, depending on his mood. Sometimes it takes him more than 30 minutes to choose, to the chagrin of the people around him.

About Dr. Huesca He walks around barefoot in the lab. This isn't for anything health-related, he simply feel the time spent putting on shoes and socks is better used on research.

Robot Researcher Akira is his name. He's poured his whole being into Ama-Pal, his life dedicated to its development. His catchphrase: "When my time comes, I want it to be by Ama-Pal's hand."

Fink the Slaughter Artist A hitman predominantly active in Kanai Ward. It's rumored that he'll kill any target, regardless of difficulty, as long as the client can afford it.

Yomi's Cane Yomi's cane transforms into a whip and can be used to strangle people he isn't fond of.

Shinigami's Secret Depending on Shinigami's emotional state, not only can horns and a tail sprout out, but her entire body can take on a fiery form.

Amazing Physique Number One of the WDO may look wizened, but beneath his robe is a muscle-bound body, compared to that of a youth's. It's littered in scars following encounters with a variety of criminals.

Invention Detective A Master Detective whose Forte allows for on-the-spot assembly of inventions useful for an investigation. This detective was not summoned to Kanai Ward.

#mdarc #master detective archives rain code #rain code #raincode #rain code archives #makoto kagutsuchi #dr huesca #yomi hellsmile #shinigami #number one

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mousedetective · 1 year

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I posted 32,642 times in 2022

142 posts created (0%)

32,500 posts reblogged (100%)

Blogs I reblogged the most:

@mousedetective

@strangelock221b

@transgendz

@infected

@mari-wrongway

I tagged 31,037 of my posts in 2022

Only 5% of my posts had no tags

#signal boost - 5,802 posts

#please reblog - 5,723 posts

#please share - 5,715 posts

#please help - 5,684 posts

#urgent - 5,307 posts

#mutual aid - 4,953 posts

#omg the awesome - 3,852 posts

#queuel beans - 3,790 posts

#omg this - 2,470 posts

#omg the cute - 2,164 posts

Longest Tag: 123 characters

#neither / both / bookstore / quilts / amethysts / depends on what i'm having it with / boots / neither really / both / both

My Top Posts in 2022:

Help A Queer Single Mother Pay Her Bills In September?

Hi! We got our rent paid (thank you all for your help!), but I have no money left to pay bills and I also need to rehome my son so we have a chance to keep our lease.

I currently live in a 55+/disabled community, and my son is not allowed to live on the premises with us. We’re looking into safe alternatives for housing, but we may just need to put him in a hotel for a while and we don’t have the money for that. Tomorrow (9/7/22) we’ll learn more about options from the YMCA but we’re running out of time to get our lease renewed. There’s an Econo Lodge near our house we can send him to with his X-Box and some food, but for one week it's $117 a night. It’s the only inn in the area, and we might be able to get a voucher for my son, but I’m not sure.

We also have bills to pay. It totals $434.43 for all of our bills for the month, ranging from electricity and internet to catalog orders. Any help we can get paying them would be huge. The first bill is due in one week, and that’s the electricity bill.

If you want to help, here’s how:

P - https://www.paypal.com/paypalme/penaltywaltz

V - @penaltywaltz

C - $afteriwake23

---

UPDATE: So yesterday (9/8/22), management at my apartment complex decided not to renew our lease. Our rent check hadn’t cleared yet so we took out money to buy groceries and things we needed to start packing and look for a new apartment. Management wants an extra $220 a month for a two month month-to-month agreement on top of our rent. We don’t know if this is legal but we’re not paying it just yet.

We are about to overdraft my mom’s account by $1200 if the check goes through and we need to cover that. Or we can cover my account, which is only overdrawn by $400. Either way, we have a lot of overdrafts and we don’t want to take out loans if we need to have an apartment complex run a credit check on us.

Any help is huge. Even $5 would make a big difference. I just want to get into housing somewhere else and not be homeless again because my disabled body just can’t take living in a car again, especially if we can’t secure housing for my son before we have to leave.

484 notes - Posted September 6, 2022

WE NEED HELP WITH RENT!!!

My mom and I had to take out a bunch of loans to cover expenses and now we have nothing for rent. My mom is $600 overdrawn and I'm $140. We'll be getting our monthly payments soon but it's all going to be eaten up by loans that still need to come out.

I need to come up with $1,300 (which is rent plus PayPal fees) by August 3rd. This is an emergency, as three disabled people live in my apartment and there is no way we can survive homelessness again.

637 notes - Posted July 30, 2022

Queer Single Mom In Need Of Help With Rent & Groceries - Please Read!

Hello! I’m the queer single parent to a bisexual son and one of the main providers for my household (which also includes my disabled mother). Due to some financial screw-ups I am going to be short on my rent and I really need to cover it (I know I have another post going around, but my overdraft is going to drastically change amounts by the 3rd of March so I’m taking it off, my phone bill got paid and our electrical bill debt is going into a special payment program as of our next bill).

What I desperately need now, by March 3rd at the latest, is $400 to cover my share of the rent and $257.97 to cover loans my mom took out to cover bills last month. This will help me keep a roof over the head of myself, my mother and my teenage son.

I could also use a little more help with groceries. My mother no longer qualifies for pandemic assistance food stamps in the middle of the month, and my son is eating us out of house and home. Plus extra groceries I can get for my mom before the 28th would be great, as she’s having extensive dental surgery and we don’t think she’ll be able to eat solids for up to a week.

I also need cat food and cat litter for my cats, if anyone can help with that. I have a Amazon wishlist up here if anyone can help with that.

If anyone wants to help, here’s some links:

https://cash.app/$afteriwake23

https://www.venmo.com/u/penaltywaltz

https://ko-fi.com/A034IPX

(EDIT: I owe PayPal $200 for some reason so this above account is my mom's, which will ensure the donations for rent get through)

666 notes - Posted February 24, 2022

I know I still have loans to cover for my mom and myself, but we are in DESPERATE need of food. It's five more days until we get our food stamps, and we're out of milk, almost out of meat and cheese for sandwiches, and I need cream of mushroom soup and sour cream and evaporated milk to make at least three meals with. My kid is eating us out of house and home but I can't just not feed him. If I can get $50 that would be a HUGE help.

My P*ypal is [email protected], my C*shapp is $afteriwake23 and my V*nmo is @penaltywaltz.

810 notes - Posted January 27, 2022

My #1 post of 2022

Queer Single Mom Needs Help With Bills - Please Read!

Hello! I’m the queer single parent to a bisexual son and one of the main providers for my household (which also includes my disabled mother). We got the rent covered (thanks to everyone who reblogged and donated), but it took all of our money and we can't pay our bills this month. We need to raise money to cover things like car insurance, our electric bill, the storage unit we rent, and my overdraft with my bank and a few loan repayments. Our storage unit is the most pressing, since if we don't pay the $294 by the 10th it goes up.

I included a list of everything we need to pay below. I can get proof for all of it if anyone has any questions on validity. I'm hoping after I get this month and next month taken care of I won't need to ask for as much help; I'm in a debt relief program for my credit cards and some loan debt, and most of the loans I'm left with will be paid off by May 1st, which will free up $400 a month to put towards bills. I'll still need some help until my debts are paid off, but it will probably only be for one or two bills.

If you can help, here are some links to use:

https://www.paypal.com/paypalme/penaltywaltz

https://cash.app/$afteriwake23

https://www.venmo.com/u/penaltywaltz

https://ko-fi.com/A034IPX

Here's what we owe money on:

Storage Unit - $294 PAID!

Car Insurance - $189.20 PAID!

Electric - $85.74 PAID!

Internet - $49.99 PAID!

Bank Overdraft - $58 PAID!

Loan Repayment 1 - $25.97 PAID!

Loan Repayment 2 - $105.99 PAID!

Loan Repayment 3 - $290.97

Loan Repayment 4 - $326.97

Phone Bill - $57 PAID!

Credit Card 1 - $65

Credit Card 2 - $35 PAID!

923 notes - Posted March 3, 2022

Get your Tumblr 2022 Year in Review →

#tumblr2022 #year in review #my 2022 tumblr year in review #your tumblr year in review

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castrosherwood92 · 2 days

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Commercial Fleet Financing: Finance A Business Car

While you lease equipment, you might be responsible for sustaining and insuring the equipment, but on the end of the lease, you won’t personal the equipment. However, you could have the choice of buying it when your contract is up. At Patron West, we work hand-in-glove with more that 20 specialised lenders. Our intimate comprehension of every one’s tolerances and criteria enables us to hone in on the most effective potential fit while minimizing any impact to your credit score. By subscribing, I settle for the privacy-policy and I give my consent to obtain Swoop Funding e-mails concerning the latest updates and provides. We’re consultants in financing, titling, registration, insurance coverage, warranties, etc. You are responsible for the care and maintenance of the equipment in the course of the lease time. If something have been to happen and the equipment was unusable, you'll still be responsible for your lease payments. Having a associate like COMMERCIAL EQUIPMENT FINANCING is crucial to your success. The info offered shouldn't be thought-about as tax or authorized advice. Finance new or used heavy vehicles, trailers or tractors, or use a Terminal Rental Adjustment Clause, or TRAC, lease to purchase transportation equipment. CEFI celebrates it 1,700th buyer, expands its origination platform to Georgia and closes an inaugural securitization rated by DBRS Morningstar. For any deferred or promotional fee interval, curiosity accrues and is amortized over the remainder of the term and excellent steadiness. No blanket liens – solely your new equipment is used to secure financing, leaving your small business and present property unencumbered. U.S. Bank Equipment Finance understands the wants you have to hold your business working smoothly. equipment finance solution This kind of fleet financing could roll vehicle upkeep, servicing, insurance, even tyres into the deal. This is the utmost variety of miles the car can drive over the agreement interval. If you go over, you'll pay for every additional mile – which could considerably add to the overall finance value if your excess mileage is excessive. Commercial fleet finance is effectively a long-term rental settlement, and it is normally employed to buy or lease a couple of vehicle at a time. This type of financing gives organizations another way to pay for important business vehicles without putting strain on working capital by buying vehicles with cash. As we’ve navigated via the intricate world of restaurant equipment financing, it’s clear that the proper financing choice can significantly influence the success and growth of your restaurant. For business house owners with very strong credit, you might end up paying much less with a term loan than an equipment loan as a result of capacity to safe a decrease interest rate. There are some drawbacks to buying equipment over leasing, too. First, it can be somewhat extra stressful financially at first, since equipment leases typically have lower monthly loan funds and sometimes don’t require down payments, both. That mentioned, if you want to buy the equipment at the end of the lease, you could end up having to pay a large sum, not like equipment financing. It is worth noting that this isn’t all the time the case; relying in your loan, it might find yourself really being cheaper over time to buy the piece outright than to pay the monthly rental payments. Additionally, in case your equipment will get outdated, you don’t have the ability to simply swap it for newer gear since you own it outright. Not all applicants will qualify for financing; all financing merchandise are topic to credit review and lender approval. Understanding the role of credit checks in the software course of is essential. When you apply for financing, lenders will carry out a soft credit pull initially, which doesn’t impact your credit score score. This preliminary step provides them a snapshot of your creditworthiness. However, a hard credit pull normally follows once you proceed with the application, which might affect your rating. The cleaner your credit score report, the higher your chances of securing favorable financing phrases. Monthly payments are then spread out over a loan time period extending from as few as three years to no less than 10 years. Equipment financing is secured by the equipment being bought, so if the borrower defaults on the loan, the lender can repossess the collateral and resell it to recoup its losses. These are set up to fund semi trucks specifically, so the loan amounts could be more consistent with what new and used vans are going for. Pre-approval may keep good for weeks and give you time to search out the best truck. You may see drawbacks like higher rates as a result of semi trucks could be a danger to finance. Our partners can not pay us to guarantee favorable reviews of their services or products. Mortgage services are offered through Truist Bank. It’s important to note that all of this lender’s applications are equipment leases.

#Equipment financing #equipment financing companies #equipment financing loans #small business equipment financing #business equipment financing #trucking equipment financing #commercial equipment financing #equipment financing services #fast equipment financing #equipment finance solution

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paypant · 28 days

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How Do People Afford New Cars?

Cars, whether new or secondhand, are expensive. Yet your coworkers, friends, and neighbors can afford to own it while you struggle to have enough savings after paying off taxes. Why is this? And how do people afford new cars? In truth, most people cannot afford to own a car based on their income. So, the problem doesn't lie with you. To own a car, most people take out loans, engage in car leasing, or save a long time for it. Only a few people can pay for a new car in cash - this set of people are often the upper class with investments that enable them to finance a car. If your goal is to afford a car this year, this article puts you through all that you need to do and know.

How Do People Afford New Cars

People can afford to get a new car by taking a car loan, having a good income, saving for a downpayment, getting a job that includes a car as a benefit, and a lot more. If you aim to get a new car, here are a few things you can do:

Take A Car Loan Eighty-five percent of people finance their new car by taking auto loans. It is one of the most common and easiest ways to afford a car. If you're in the middle or lower class, and cannot afford a full payment for a car, consider a car loan. Banks, car dealerships, and credit unions offer this type of loan. However, to access this loan, you must have a good credit report. A credit report determines the maximum amount you can borrow and your approval chances. Most car loans often last for 69 months. Although this allows you to make small monthly payments, it comes with tons of downsides, one of which is a higher interest payment. Here's a piece of advice, never take a car loan that extends the length of warranty coverage. Take A Car Lease If your coworker or neighbor changes to a new car every two to three years, there's a high chance they're leasing the car. Leasing allows you to use a vehicle for a limited period. Once the lease contract ends, you'll be required to return the car in good condition or purchase it for the residual value. Most people prefer car leasing to car loans due to the smaller monthly payments it requires. So if you're a low-income earner, consider taking a car lease. Car leases are available through car dealers. Meet a dealer, decide on the type of car/lease you want, get quotes from the dealer and negotiate, understand the lease terms, provide the necessary documents, and close the deal. Note, that every car lease comes with a mileage limit. Decide on the mileage limit that works for you before signing an agreement with the car dealer. Manufacturer or Dealer's Incentive Program Most car dealers offer incentives and other sorts of promotions to encourage and boost sales. You can take advantage of these programs when planning to get a car. Car dealer incentive program comes in different forms. The low- or no-interest financing allows you to purchase a car on credits with no interest attached. Some dealers offer interest rates as low as 5%. The special lease incentive program enables you to make low down payments and monthly payments. With the cash incentive, you will get to receive cash back once you purchase a car in cash. Tip: You can't combine the different types of car incentives. Hence, it is important to speak with a dealer to understand the incentive that lets you save more money. Trade Current Car As Down Payment

If you own an old working car, you can afford to get a new one by trading the old one as a downpayment. Here's how it works: First, talk with several car dealers to determine the market value of your old vehicle. Next, conduct your research on car dealers that accept old vehicles as a downpayment for new ones. Once you strike a good deal, prepare the necessary documents and put your old car in good condition. Inspection will be done on the old car. Once the market value is determined, it'll be deducted from the amount for the new car. Afterward, you can proceed to make monthly payments for the new car. If you haven't paid off the auto loan on your old car, inform your dealer during the negotiation stage. The loan will be paid off by the dealer as soon as the car is traded in. Salary Sacrifice Scheme The salary sacrifice car scheme is a program offered by most companies. It involves taking out a portion of your pre-tax salary in exchange for a new car. Thus, if you cannot save for a new car, you can opt for this. Most companies partner with car dealers in order to provide this service to their employees. Meet up with your supervisor or manager to get detailed information on eligibility status and application process. Most employers/companies bargain discounts for their employees. They also enable you to gain access to a new car without down payment or credit checks. Get A Cosigner If you have a low credit score and can't afford to apply for an auto loan, consider getting a cosigner. A cosigner can be a friend, parent, sibling, or someone reliable with a good credit score. This person must be willing to take responsibility in a situation where you are unable to pay off your loan. With a cosigner, your car loan can be easily approved. Additionally, having a cosigner gives you access to a lower annual percentage rate (APR), interest rates, and other affordable terms. Note: Your cosigner must have a good credit standing and a stable income - this shows their financial capability. Live On A Budget The cost of food, transportation, taxes, and rent can eat deep into your income leaving you with nothing. But one way you can afford to get whatever you want is by living on a budget. If your goal is to get a car, start by finding out the cost of your dream car. Then take a look at your income, expenses, and spending habits. Once you understand this, cut down on unnecessary or unimportant expenses. Doing this enables you to have enough for savings which can be used to purchase a car. If you ask most people who own cars, they were able to afford it by living on a budget. Another Interesting Article:19 Bad Spending Habit To Avoid Save Up For A Larger Down Payment If you're applying for a new car loan, offering a higher down payment makes it easy for approval. It also reduces your debt burden and interest rate. There are lots of effective ways to save money. If you're a salary earner, you can make arrangements with your employer to often deposit a percentage of your monthly income into a downpayment account. Automation savings apps can also help you in saving. Most car dealers offer down payment programs that let you save money until you have enough to make a down payment. Find one around you, and make a registration to join their program. Start A Side Business or Make An Investment Most people with multiple cars in their garage do not depend on a single source of income. They are often business-oriented people with a side business and tons of investment. Thus, if you want to be able to afford the type of car you want, start up a side hustle to support your main source of income. Some profitable side hustles to engage in include freelance writing, graphic design, web development, dropshipping, and affiliate marketing.

Is A New Car Worth It?

Yes! Buying a brand-new car is worth the money. But if you're not totally convinced, and can't decide between a new or old car, here are the pros and cons of buying an old or new car. If you're satisfied with the benefits that come with an old car, you're free to choose it over a new car. Pros of Buying A New Car Here are some of the advantages that come with buying a brand-new car: - Warranty Protection A car warranty is a promise made by a manufacturer or car dealer to cover the costs of repairs and replacements made during a period. Buying a new car gives you access to this protection. Additionally, you can also enjoy free roadside assistance and added resale value. - Newest Features Each year, new models of cars are being released. These cars come with updated and latest features to make driving more convenient and safe. Some of the latest features that can be found in new cars include a drowsiness detector, lane-keep assist, surround-view camera system, visual exterior mirrors, blind-spot monitoring, tire pressure monitoring, pressure detector, and smartphone integration. All of these features make driving safer. - Access to Good Financing Deals Most brand-new cars come with special deals and discounts such as cash rebates, loyalty bonuses, zero percent financing, lease specials, zero downpayment, clearance sales promo, and more. - Customization Feature During the process of buying a new car, you can easily decide on the color of a model you want, its packages, and its features. In addition, you can request for the upgrade of certain features that come with the car - this request can be placed with the car dealer or manufacturer. Cons Of Buying A New Car If you're buying a new car, here are some issues you will tend to encounter. - Expensive: New cars are more expensive when compared to used cars. If you use an auto loan, you'll be required to make monthly payments until the loan is paid off - this can eat into your income and make you live on a tight budget. - High Insurance: The cost of insuring a new car is high due to its high cost of replacement. - More Taxes: If your state has sales taxes, you will required to pay high sales tax upon buying a vehicle. Pros Of Buying An Old Car Most money nerds and financial experts often advise buying an old car rather than a new one. It is often due to the following reasons. - Used Cars Are Often Cheaper: When compared with the price of a new car, used cars are often way cheaper and more affordable. If you don't have a high income, it is advisable to opt for a secondhand car that is in good condition. - Cheaper Insurance: A used car comes with cheaper insurance due to its lesser value. - CPO Offers: Certified Pre-owned cars (CPO) are used cars that have gone through reconditioning and thorough repair. These cars are as good as new ones and often come with a warranty. Cons Of Buying An Old Car The disadvantages associated with buying a used car include: - Absence of Protection or Warranty - Fuel Inefficiency - Often Unreliable - Limited Selection - Outdated Features - Higher maintenance costs Should I Buy a New or Old Car? It all comes down to you. If you're financially capable, get a brand-new car. However, if you're living on a tight budget and don't mind the disadvantages that come with an old car, then do yourself a favor and get a used car.

How Much Should You Spend On A Car?

"How much should I spend on a car?" This is a question almost everyone asks when buying a car. The answer to this differs from person to person. Hence, it is important to understand your financial situation (income, existing debts, taxes, & insurance) in order to provide an answer to this question. One rule of thumb to use when deciding on how much to spend on a car is the 20/4/10 rule. According to the 20/4/10 rule, you should allocate not more than 20% of the vehicle purchase price as a downpayment. The loan period must not exceed four years, and you should limit the monthly payment you make to 10% of your income. Here's an illustration: If your monthly earnings is $5,000, it means you can afford to spend not more than $30,000(interest rate included) on a car. To expand on the illustration, a 20% downpayment of $30,000 is $6000. This leaves you with a $24,000 debt. If you allocate 10% of your monthly income ($500) to the debt payment for four years, it'll be paid off. Factors That Determine How Much Car You Can Afford There are certain factors that determine how much car you can afford. Here are two of them: - Annual Income: If you have a high annual income, it means you can afford to go for high high-priced vehicle. If 30% of your annual income can buy a car, it means you have a high annual income. - Monthly Loan Payment: The amount you can afford to save each month after expenses is likely the amount you can afford for a monthly loan payment.

How To Decide On A Budget For A Car (Budgeting Tips and Advice)

If you still can't decide on how much to spend on a car, here are some budgeting tips and advice that could help you.

In order to make the best car purchase decision, there are certain questions you must answer. Once you understand the question and provide an answer, you'll be able to confidently decide the budget you need for a car. Here are the questions: - What is my monthly salary? - What are my spending habits and monthly expenses? Can they be controlled or cut down? - How much do I have left each month after expenses? - What type of car do I need? - Can I pay off an auto loan? Another Interesting Article: 12 Easy And Effective Budgeting Tips Tips And Advice When Buying A Car There are tons of people who end up with regrets once they're done buying a car. This is due to their lack of information on the type of car to buy, the best decision to make, special car deals available, and more. To end up without regrets, here are some tips and advice to adhere to: - Don't be in a hurry to get a car. Set up a meeting with a car dealer and discuss the type of car you want, the best model, the budget, and more. - Take advantage of special discounts and deals. - If you don't like a car, don't be pressured into buying it. Since cars last for years, it is advisable to go for one that you're happy and comfortable with. - If you really can't afford a car, don't force yourself into buying one - this is to avoid debts that can't be paid off. - Conduct research on car insurance. - Do not settle for whatever price you're given. Negotiate with the car dealer and meet up with other dealers to compare prices. - Always test-drive a car before making payments. - Bring a reliable mechanic with you when buying a car. They can help test drive the car to find out hidden problems. - Avoid long-term loans.

Conclusion

Owning a car gives you a sense of independence, flexibility, and freedom. Thus, if you can afford to buy a car, go ahead and make the decision. However, if you can't, this article provides you with the information you might need.

Frequently Asked Questions on Cars

Can I Afford a Car in 2024? Yes! You can afford to buy a used or brand-new car in 2024. If you have a stable income, apply for an auto loan or car leasing. Who Can Afford A New Vehicle? Anyone with a high income can afford a new car. If your annual income is above $80,000, there's a high chance that you can afford to purchase a brand-new car. What Month Is It Best To Buy A Car? The best month to buy a car is December. Most car dealers, in order to meet their yearly quotas, offer discounts, cashbacks, and special deals in December. According to the USNews, the months of May, October, November, and January are also recommendable. Read the full article

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wiackcom · 8 months

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The new MG HS Plug-In Hybrid Electric Vehicle (PHEV) offers an intriguing combination of style, space, and electric driving range. As a relatively new model from an emerging EV brand, prospective buyers wonder - how is MG pricing this electric SUV? This comprehensive overview explains MG HS EV pricing details including MSRP, invoice, deals, tax credits, and more. Learn what to expect as both a starting point for negotiations and the out-the-door cost. MG HS EV car MG HS EV MSRP and Trim Levels The 2023 MG HS PHEV carries a starting MSRP of $29,095 for the entry EXCLUSIVE trim before any options, fees, or electric vehicle incentives. It's offered in a single well-equipped trim with no major optional packages. The only additions are: $600 for the Moonroof $800 for the Advanced Driver Assistance Systems (ADAS) package with adaptive cruise control and other aids. With both options added, the 2023 MG HS PHEV tops out at an MSRP of $30,495. As an emerging player in the US market, MG aims to draw in buyers with a reasonable starting price and straightforward lineup. Base Model MG HS Electric Car Invoice Pricing While MSRP sets the baseline, many buyers want to know the dealer invoice price to better gauge negotiation room. Invoice represents the wholesale price dealers pay to the manufacturer for a vehicle. Dealers aim to sell closer to MSRP to hit sales goals and turn a profit. Here are the 2023 MG HS Electric invoice prices including options: EXCLUSIVE trim: $27,846 With Moonroof: $28,446 With Moonroof + ADAS: $29,246 This results in an initial markup of around $1,250 on the base EXCLUSIVE model between MSRP and dealer invoice. With some negotiating and available incentives, buyers can often secure the MG HS EV for a few hundred dollars above invoice. Excite Model Federal Tax Credit for MG HS Electric The MG HS PHEV qualifies for the full $7,500 federal tax credit due to its large 37.5 kWh battery. This credit will remain in place until MG reaches the phaseout threshold through 2023. The credit is applied when you file your taxes for the year you purchased the vehicle. It directly reduces the tax you owe dollar for dollar. Note that the tax credit phases out once an automaker sells over 200,000 eligible EVs. MG remains far below that level allowing buyers to currently claim the maximum incentive. Exclusive Model State and Local Electric Car Incentives Depending on your location, additional electric vehicle incentives may be available: State rebates - California, New York, New Jersey, Massachusetts offer up to $2,000 back for PHEV purchases. Utility discounts - Some utilities provide discounts or rebates for installing a home EV charger. HOV access - States like CA grant PHEVs access to high-occupancy lanes to incentivize adoption. Consult incentives in your particular region before purchasing. States with high EV adoption offer the strongest programs. Your local MG dealership can explain eligibility. Leasing the MG HS Electric SUV MG and its financing partners offer competitive lease deals on the HS PHEV for well-qualified lessees: Example Lease Terms 36 months $3,000 due at signing 10,000 miles per year Monthly Payment Around $400/month before tax credits Could drop to ~$300/month after claiming EV credit The low $3,000 drive-off payment plus federal tax savings make the MG HS reachable for budget-focused shoppers. Payments are similar or lower than comparable mainstream EVs. Out-the-Door Price - Fees and Add-Ons The final sales price reflects extra items beyond MSRP: Dealer fees - Vary by location but average around $600. Doc and e-filing fees are common. Taxes and registration - Sales tax (~8% on average), title registration fees, plate fees. Can total $2,000+. Destination charge - MG adds a standard $1,075 destination/delivery fee. Going with a

mid-level EXCLUSIVE model and accounting for average fees, expect an out-the-door price around $33,000 prior to credits and incentives. This maintains the value equation. Smart Negotiation Tips Use these strategies to negotiate the best deal on an MG HS Electric: Get written quotes - Shop prices from multiple dealerships. Let them bid for your business. Know the incentives - Understand federal/state tax credits fully so they work in your favor. Mention invoice pricing - While dealers won't sell at invoice, use it as a reference point in negotiation. Buy near month's end - Salespeople have quotas and are eager to close deals at month's end. Mention competing offers - Politely let the dealer know you have competitive quotes they need to beat. FAQs How much below MSRP can I negotiate on an MG HS EV? Expect to pay $500-1,500 below MSRP on the MG HS Electric with some negotiation. Deals under invoice pricing are unlikely. Does the federal tax credit apply to leases? Yes, you can claim the full $7,500 tax credit even if leasing the MG HS EV. It will directly reduce your tax bill. What fees should I expect when purchasing the MG HS PHEV? Plan for around $600 in dealer fees plus 8% sales tax and DMV registration fees. The destination charge is $1,075. Total fees often reach $2,000+. Can I negotiate the dealer fees on an MG HS Electric? Unfortunately dealer fees are fixed, but you can certainly negotiate the sales price aggressively. Fees just factor into the out-the-door price. How much should I budget for out-the-door cost on an MG HS EV? With taxes, fees, and destination charges expect around $33,000 out-the-door for a mid-level MG HS PHEV before any credits or discounts. Key Takeaways on MG HS EV Pricing MSRP spans $29,095 - $30,495 across one well-equipped trim Aim to negotiate $500-1,500 below MSRP to get a fair deal $7,500 federal tax credit plus state incentives help reduce cost Out-the-door price lands around $33,000 for a typical configuration Leasing with low drive-off payment provides an affordable option For buyers seeking good electric range and interior room without a luxury price, the HS PHEV hits a practical balance. Get quotes from multiple MG dealers to find competitive pricing. #Wiack #Car #CarInsurance #CarRental #CarPrice #AutoLoans

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sportyconnect · 8 months

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goldlionleasing · 9 months

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GLLEASING - Can I Transfer My Lease if I Have Outstanding Payments or Fees?

Car leasing offers flexibility and convenience, allowing you to enjoy a new vehicle without the long-term commitment of ownership. However, circumstances can change, and you may find yourself needing to transfer your lease before the contract term is up. One question that often arises in this situation is whether it's possible to transfer a lease if there are outstanding payments or fees. In this blog post, we'll explore the topic in more detail and provide you with the information you need to make an informed decision. Understanding Lease Transfer Basics A lease transfer, also known as lease assumption or lease takeover, is a process where the original lessee transfers their lease agreement to another individual, known as the new lessee. This transfer typically involves the new lessee taking over the remaining lease term and assuming the monthly lease payments. Can I Transfer My Lease if I Have Outstanding Payments? The answer to this question depends on various factors, including the terms and conditions of your lease agreement and the policies of the leasing company. Generally, if you have outstanding payments or fees, it may pose some challenges when attempting to transfer your lease. Here are a few important considerations: - Review your lease agreement: Carefully review the terms and conditions of your lease agreement to understand any penalties or fees associated with early termination or transfer. - Contact your leasing company: Reach out to your leasing company to discuss your situation. They can provide specific information on their policies regarding lease transfers and any outstanding payments or fees. - Negotiate with the new lessee: If there are outstanding payments or fees, you may need to negotiate with the new lessee. They may be willing to assume responsibility for those obligations as part of the lease transfer. - Pay off outstanding amounts: Depending on the specific circumstances, you may need to settle any outstanding payments or fees before the lease transfer can be approved. This ensures a clean transfer for both parties involved. Consult with a Professional Lease transfers can be complex, and the rules and regulations surrounding them may vary. It's always recommended to consult with a professional, such as a leasing company representative or a legal advisor, to fully understand your rights, obligations, and options. While it is possible to transfer a lease with outstanding payments or fees, it's essential to review your lease agreement, communicate with your leasing company, and potentially negotiate with the new lessee. By understanding the process and seeking expert advice, you can navigate the lease transfer successfully. Please note that the information provided in this blog post is for general informational purposes only and should not be considered legal or financial advice. Lease transfer requirements may vary based on individual circumstances and lease agreements. Always consult with the appropriate professionals for personalized guidance. We hope this blog post has shed light on the question of transferring a lease with outstanding payments or fees. If you have any further questions or need assistance with lease transfers, feel free to reach out to Golden Lion Leasing, the experts in car lease transfers in the UK. Read the full article

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giaatwestchase · 11 months

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Live Like a Local: Score the Best Deal on an Apartment for Rent

Living like a local is the best way to experience a new city. Finding a suitable apartment can be challenging whether you're moving for work or just looking for a change of scenery. With so many options available, figuring out where to start can take time. But with some research and insider knowledge, you can score the best deal on an apartment for rent and start living like a local in no time.

In this blog, we'll cover everything you need to know about finding the perfect apartment for rent. From setting a budget to negotiating rent, we've got you covered.

So, let's dive in, discover how to live like a local, and score the best deal on renting an apartment.

Determine Your Budget

Setting a budget is one of the most important steps in finding an apartment for rent. Here are some tips to help you determine your budget:

- Calculate your monthly income: Start by calculating your monthly income. This will show you how much you can afford to spend on rent each month.

- Consider your expenses: Next, consider your monthly payments, such as food, transportation, and utilities. Subtract these expenses from your monthly income to determine how much you can afford to spend on rent.

- Use online tools: There are many online tools available that can help you determine your budget. Several websites on rent cater to affordability calculators to help you calculate your monthly rent budget.

Consider Your Location

Location is another essential factor to consider when looking for an apartment for rent. Here are some things to keep in mind when considering your location:

- Commute: Consider your daily commute and how far you're willing to travel. Living closer to work can save you time and money on transportation costs.

- Neighborhood amenities: Look for neighborhoods with amenities that fit your lifestyle. If you're a foodie, look for communities with great restaurants. If you're outdoorsy, look for neighborhoods with parks and outdoor recreational activities.

- Safety: Safety is always a top priority when considering your location. Research crime rates and speak with locals to understand how safe the neighborhood is.

Start Your Search

Once you've determined your budget and location, it's time to start your search. Here are some tips to help you get started:

- Use online resources: Several websites are great resources for finding apartments for rent. You can filter your search by location, budget, and amenities.

- Work with a real estate agent: Real estate agents can help you find apartments that fit your budget and location preferences. They can also negotiate rent on your behalf.

- Ask for referrals: Ask friends, family, and coworkers for referrals. They may know of apartments that need to be listed online.

Tour Apartments

Once you've narrowed down your search, it's time to start touring apartments. Here are some things to keep in mind during your tours:

- Check for damage: Look for any damage to the apartment, such as cracks in the walls or stains on the carpet. Take photos and notes to bring these issues to the landlord's attention.

- Test appliances: Test appliances like the oven, dishwasher, and washer/dryer to ensure they're in working order.

- Ask about parking: Ask about parking options and costs, especially if you have a car.

- Check out amenities: Check out the amenities of the apartment complex, such as a pool, gym, or community center.

Negotiate Rent

Once you've found the perfect apartment, it's time to negotiate rent. Here are some tips to help you deal:

- Do your research: Research comparable apartments in the same area to get a sense of what rent prices are like. Use this information to negotiate a fair price.

- Highlight your strengths: Highlight your strengths as a tenant, such as a stable income and good credit score. This can help you negotiate a lower rent price.

- Consider a longer lease: Landlords may be willing to negotiate rent if you sign a longer lease. Consider signing a lease for 12-18 months instead of 6 months.

Find the Perfect Match!

Finding an apartment for rent can be challenging, but with these insider tips, you can score the best deal and live like a local in no time. Remember to set a budget, consider your location, start your search, tour apartments, and negotiate rent. With some research and negotiating skills, you can find the perfect apartment for rent and start living like a local. Visit our website for more information on apartments for rent in Westchase, Houston, TX.

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motorgroup · 1 year

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Why Buying Used Cars Makes Financial Sense?

Buying a quality used car sales in Epping can seem like a good idea if you're trying to save money on your next vehicle. However, it may not be an ideal financial decision for everyone. If you have the time to research and compare different models before buying, then it's always best to go this route.

But if you can't afford that luxury or don't know where to start looking, then perhaps renting is better suited for your situation! Here are six reasons why renting makes more sense than buying:

Lower Purchase Price

When you buy a new car, the price tag is set by the manufacturer and doesn't change over time. If you want to get into a more affordable vehicle, then buying a used one is an excellent option. Used cars Epping are often cheaper than their new counterparts because they have already been through several owners and so have had some depreciation already incurred on them.

Additionally, when you buy a used car there's no need to worry about financing or insurance costs since these services are already included in the purchase price of many vehicles (except for those with very high mileage). This can make your monthly payments much more manageable as well as lowering your overall cost of ownership over time!

Reduced Insurance Costs

Another reason to buy used cars in Epping is that insurance costs are much lower. Insurance companies base their rates on the age of your car, its mileage and condition, as well as its type.

If you're looking at buying a new car or an older model in good condition without major mechanical issues, then it will probably be cheaper to pay out-of-pocket for your insurance than if you were leasing a new one with similar features and an older body style.

You can get around this problem by choosing an older model that has been well maintained over time—and therefore less likely to have expensive repairs performed on it—or by getting into something used but still under warranty so that there won't be any unexpected bills when something goes wrong later down the road (it happens!).

Lower Depreciation

When you buy a new car, it’s especially important to consider depreciation. The price at which you buy a new car will vary dramatically depending on the make and model of your vehicle, but most people are used to thinking about depreciation when they purchase a vehicle.

That’s because cars depreciate over time as they lose value due to wear and tear, or if they need repairs that cost money (which is why insurance companies factor in their rates).

But buying used cars can help reduce this problem by allowing you to get into a newer model with less depreciation than what would be expected for a similar make and model of the vehicle after just one year of ownership. Also note that if your budget allows for it (and there are many ways around this), buying older models can save even more money!

Wider Selection and Variety

Buying a used car means you can find the perfect fit for your needs. You’re not limited to just cars that are in good shape and will last forever – there are plenty of options available if you know what to look for.

Conclusion

Buying a used cars Epping is an excellent way to save money and get the most out of your purchase. If you follow our advice, you can find a great deal on a vehicle that will serve you well for years to come!

Source Link: https://morangmotorgroupcardealer.blogspot.com/2023/05/why-buying-used-cars-makes-financial.html

#quality used car sales in Epping

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recentupdates · 1 year

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Choosing the Best Auto Loan Company in Florida

If you’re looking to purchase a car in Florida, you’ll likely need to finance the purchase with an auto loan. With so many auto loan companies in the state, it can be overwhelming to determine which one is the best fit for your needs. In this article, we’ll explore some factors to consider when choosing an auto loan company, the ins and outs of title loans on financed cars, the car loan options available in Florida, and tips for securing the best car loan.

Factors to Consider When Choosing an Auto Loan Company

When selecting Best Auto Loan Company in Florida, it’s important to consider several factors. Interest rates, loan terms, and fees are some of the most critical factors to examine. Additionally, it’s essential to research the company’s reputation and customer service. Look for an auto loan company with a track record of transparency, flexibility, and excellent customer service.

Understanding Title Loans on Financed Cars

Title loans on financed cars are an option for individuals who have a car loan but still have a significant amount of equity in the vehicle. With a title loan, you use the vehicle’s equity as collateral for a loan. However, it’s crucial to note that if you default on the loan, you could lose ownership of the vehicle. Be sure to research the terms of the title loan carefully and only work with reputable lenders.

Car Loan Options Available in Florida

Florida offers a variety of car loan options, including traditional auto loans, leases, and refinancing. Traditional auto loans involve borrowing money to purchase a vehicle and making monthly payments until the loan is paid off. Leases, on the other hand, involve renting the vehicle for a specific period, usually two to four years. Refinancing involves taking out a new loan to pay off an existing car loan, usually to secure a lower interest rate or better loan terms.

Tips for Securing the Best Car Loan in Florida

To secure the best car loan in Florida, it’s essential to do your research and shop around for the best rates and loan terms. Make sure you understand your credit score and how it will impact your ability to secure a loan. Additionally, consider getting pre-approved for a car loan before shopping for a vehicle, which can give you more negotiating power with the dealer. Finally, read the loan agreement carefully before signing to ensure you understand all of the terms and conditions.

In conclusion, purchasing a car in Florida typically involves financing the purchase with an auto loan. When choosing an auto loan company, it’s essential to consider factors such as interest rates, loan terms, and fees, as well as the company’s reputation and customer service. Title loans on financed cars can be an option for those with significant equity in their vehicle, but it’s crucial to understand the risks involved. Florida offers a variety of car loan options, including traditional auto loans, leases, and refinancing. To secure the best car loan in Florida, do your research, consider your credit score, get pre-approved, and read the loan agreement carefully. With careful consideration and a bit of legwork, you can find the best auto loan company and loan terms for your needs.

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#vehicle title loan #title loans in miami #title loans on financed cars #commercial vehicle title loans #title loans for cars

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