Why I Will Never Gatecrash A Party Again

Apr 09 2022 Published by admin under Uncategorized

It is Saturday night, I am working, the neighbors have amazing music, I feel like asking them to turn it up…

In my misspent youth, I soon found out that where party music sounds good, you can get a bottle of wine, dress nicely, smile, say “John invited us”, and you’re in.

But there were times when it didn’t quite go according to plan…

Such as the time when I (Caucasian) and some Asian friends tried to gatecrash a party that sounded just amazing, great music, awesome music system, we got so excited… We got our alcoholic offerings and knocked on the door. A smiling black man answered the door, with smiling black people from 4 generations behind him in the living room, all bearing a remarkable similarity in looks, dressed in their Sunday best, and well, you’ve probably guessed it, a family celebration! Red-faced, we quickly made our excuses. We had the wrong address we said. We went back to our homes and just watched TV on our own…

Years later, obviously this fiasco was forgotten, as I was tempted yet again. I had not learnt my lesson.

My next door neighbours seemed to party every day. And I was not invited. The music, coming through the thick concrete walls, sounded amazing. The heavy bass, a nice beat, and the sound of their laughter, well it was more than I could bear! So, armed with a bottle of good wine, I gathered up my courage and knocked on their door; the point of no return. The door opened, they smiled broadly and said sure, I was more than welcome. They invited me in and I could see everyone was sat around the TV. Not many people actually, only a handful. All watching the film Jungle Book and singing and clapping along. I did not like Jungle Book. Oh dear. It was a long night.

My face ached after hours of forcing a smile on my face. My arms ached after hours of forcing myself to clap. Only my voice was intact, but that was because I didn’t know the words to the songs.

As soon as the film finally was allowed to finish, I thanked them as sincerely as I could muster and retreated to the relative excitement of my home.

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Would You Benefit From Making Early Payments on Your Auto Loan?

Mar 24 2022 Published by admin under Uncategorized

Monthly payments make up an important element of the auto loan. The amount of money that you will pay each month depends on a number of things; such as the money you put down, the value of the car, loan term, your current income and credit score, etc. Many a times people wish to repay their auto loan earlier than their term or wish to get the loan refinanced. Understanding the effect of paying your loan early vis-à-vis making timely payments can help you in making a well-informed decision.

Pay Early or Pay on Time: The Auto Loan Question

· Are you interested in making Early Payments?

You know you are a financially adept individual when you think about paying your auto loan early rather than spending the money on frivolous things. The following pros and cons of prepayment will take you one step closer in making the right decision.

Pros: The reduction in the interest amount can help you save a great deal of money. Paying off your auto loan early gives you the financial freedom to use that money elsewhere. Secondly, if you are going to receive a large sum of money in the near future, it is wise to prepay your loan instead of spending it elsewhere. It will make your debt-free early and allow you to live a tension-free life.

Cons: Timely auto loan payments mean that you have planned your finances in an efficient way. If you repay your loan all at once, it may project that you are unable to manage your credit. Remember prepayment of your auto loan will not hurt your credit score, however, it will not improve the score either.

· Do you believe Timely Payments are a Good Choice in the Long Run?

Small payments made every month can surely have a positive impact on your credit rating. The following pros and cons will help you clarify the advantages and disadvantages of timely payments.

Pros: Timely payments made every month are certain to keep your credit score in check. Many a times people may forget to make the payments on time. However, automatic bank payments can help you to keep your payments regular. A shorter loan term with timely payments will help you in obtaining lower interest rates and an overall cheaper auto loan deal in the future.

Cons: An automatic timely payment means that you will have to maintain a certain balance in your bank account, which may temporarily block your finances. A certain amount of your income gets allocated to the monthly payment. Compared to a prepayment strategy, timely monthly payments carry less financial freedom.

Your Auto Loan Payment Schedule: What is Best for you?

Income is an important element that decides which option you should choose between paying your auto loan early and making timely payments. If your monthly payment is manageable and your income supports the loan, you should opt for timely payments. However, if your income source is unstable and you require a car on an immediate basis, you should opt to make a prepayment of your entire loan. On the basis of your financial situation and circumstances, make the wiser choice.

Are you looking for a car loan that matches your financial situation? Choose RapidCarLoans.net. The bad credit auto financing company offers customized pre-approved auto loan options to car buyers. Zero pre-payment penalty means you can pay off your loan early. Apply now.

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