Worst News Ever

The first official portrait of the Duke & Duchess of Cambridge has been unveiled. Painted by award-winning British portrait artist Jamie Coreth, the artwork will be available to view at University of Cambridge’s Fitzwilliam Museum.

when you finally get to blobfish territory:

⊂⁠(°╭⁠╮°)⁠⊃ ⊂⁠(°╭⁠╮°)⁠⊃

⊂⁠(°╭⁠╮°)⁠⊃.

⊂⁠(°╭⁠╮°)⁠⊃

⊂⁠(°╭⁠╮°)⁠⊃

we’reくコ:彡 entering squid territory

 くコ:彡                                                                       くコ:彡                              くコ:彡  くコ:彡                                                        くコ:彡                           くコ:彡 くコ:彡

It’s Friday Fred! You made it! TGIF

Vivaldi played by the South African elementary school Goede Hoop Marimba Band

Turn ON the sound

my English prof teaching abt cover letters today and me trying not to bring up the luke skywalker cover letter post:

for reference this is the really old reference page that i made a while ago i keep thinking ill update but really i probably wont

Things often get heated when these two play some Capoeira Benguela.

If you bought that new game I just have to say this:

Your teacher professor Eleazar Fig dies at the end of Hogwarts legacy. This happens in all possible endings and can't be changed. And Rookwood is the one who cursed Anne

PSA TO ANYONE BUYING A CAR!!!

I work as a BDC agent at a very large dealership and have a ton of experience in helping people buy a vehicle. This can be a huge purchase so I want to give advice to anyone in the market or thinking about it.

First time buyers and bad credit. Maybe you have bad credit or none at all and you really need a vehicle. To many dealerships, anything under 600 is considered challenged credit. If you don’t have a qualified co-signer, you are going to need 20-40% as a down payment, depending on the value/age/mileage of the vehicle. A lot of issues I see with buyers with challenged credit is repeated reported hits on their credit because they have applied to several different dealerships in desperation. Every time a dealership pulls and submits your credit, it’s a hard hit and you will lose 2-4 points off your credit score. Most dealerships will submit you to 3-4 banks before stopping, some may go higher. So if you have challenged credit, having two or more dealerships do this to you is damaging. Being fully prepared is important!

In my experience, different dealerships use different credit bureaus to pull credit, so be familiar with all three bureaus if possible.

MYTH! A cheaper car is easier to finance. This is INCORRECT! Usually cheap vehicles are older and have high mileage. Banks do not want to finance those kinds of vehicles, so you have to look at something considered “financeable.”

These requirements fall along the lines of:

1. The vehicle must be 7-10 years old or newer

2. It must have 80-100k miles or less

3. It cannot have a salvaged/branded title, odometer rollback, and sometimes structural/frame damage. Almost all reputable dealerships will have Carfax reports publicly accessible on their website or upon request. 

4. The car needs to book well. This means that the NADA value (basically the REAL value of the vehicle) is not too far off from the selling price. If a vehicle is worth $15,000 and they are selling it for $20,000, the banks will decline because the values are too far off. 

However, just because a vehicle books bad does not mean it’s “over priced”. Technically. Most dealerships now have market based pricing, so the prices fluctuate with the economy. Similar to how housing, gas, and grocery prices rise and fall, vehicles are the same way. It is nearly impossible to buy a new vehicle anymore. Due to a wide array of issues, most 2022+ models are order only. This makes used vehicles in high demand. If dealerships are paying more to get vehicles via trade and auctions, they will have to charge more to sell them.

There are many dealerships out there who don’t care about you and only want your money. It is important to not let them pressure you and do your research to shop when you’re ready. 

On a final side note, if you inquire by calling or going online and schedule a test drive, you will help workers like me. We are here to help answer questions, provide any and all information, without the pressure of salesman. (Yes we may call and bug you, but just say you’re no longer interested and we will stop!)

If you ever have any questions please ask me!!!

Please reblog/share to help educate people in an exploitative market!