Click for LoanMart Promo Code in May 2024. To get started, simply visit the website and find the perfect coupon, promo code or discount deals for you.

Just wondering what to expect, stuck on conditional approved, also want to help others save $250 if they are in the same boat, getting their first auto loan.

Hello all, I was approved and assigned a vin. However I didn’t receive the promo rate, the whole reason I applied was due to the rate. I have a 750 score, no debt besides student loans. Anybody had success by messaging their sales advisor?

Previous SHOTW
This week's SHOTW set-up is as follows:
Screenshot of starting hand

Players	Order
1	1st
2	1st
3	3rd
4	2nd
5	1st

Board: Elysium
Milestones: Generalist (1 production of each), Specialist (10 of any production), Ecologist (4 eco tags), Tycoon (15 green/blue cards played), Legend (5 event cards played)
Awards: Celebrity (cards played costing >=20 MC), Industrialist (steel and energy), Desert Settler (tiles on bottom 4 rows), Estate Dealer (tiles next to ocean tile), Benefactor (TR)
Expansions: Prelude (with BGG promos)
Cards drawn

• Corporations: Recyclon, Mining Guild
• Project cards: Investment Loan, Solar Wind Power, Shuttles, Cartel, Special Design, Kelp Farming, Penguins, Mars University, Artificial Lake, SF Memorial
• Prelude cards: Early Settlement, Self-sufficient Settlement, Polar Industries, Research Network

Extra project cards:

Cards 1-5	Cards 6-10	Cards 11-15
Release of Inert Gases	Gene Repair	Predators
Miranda Resort	Research Outpost	Technology Demonstration
Greenhouses	Flooding	Callisto Penal Mines
Mine	Search for Life	Open City
Indentured Workers	Windmills	Invention Contest

Card draws for specific tags: - Space tags: Miranda Resort, Technology Demonstration, Callisto Penal Mines, Ice Asteroid, Convoy from Europa - Plant tags: Greenhouses, Noctis Farming, Protected Valley, Adapted Lichen, Snow Algae - Microbe tags: Regolith Eaters, Worms, Tardigrades, Industrial Microbes, Designed Microorganisms - Extra prelude cards: Aquifer Turbines, Biosphere Support, Biofuels, Allied Banks, Martian Industries, Io Research Outpost, Double Down
Gen 2 drafting hand: Insects, Mass Converter, Lava Flows, Ants

I'm currently looking into getting a MYLR or MYP and with the new promo I'll save a lot more on intrest then I would if I waited till end of year (assuming a 6.49% rate that late in the year) and wondering if I'd even have a chance of being approved for the promo rate. Would put down 8-11k and I have a vantage score (no clue what my fico 8 score is) but no previous loans and only about 8-9 months of credit history. I'm doing a test drive on Saturday and will apply if I enjoy the car but wondering of it would even be worth taking the hard pull and having a lower score for later down the line. I did the pre-approval a month ago and I got roughly 36k but pre approval could mean nothing as far as I know.

I think everybody agrees that if the hostages are freed, the war will be over. We have heard such assurances from Israeli leaders across the political spectrum, and it is certainly the overwhelming sentiment of the Israeli people and Jewish people around the world. (I am aware that there is also messaging around finishing Hamas, which would presumably still happen in the form of targeted attacks against Hamas leadership, but not like what is happening today.)
Most if not all rational people want the war to be over. The IDF soldiers want to go home. Nobody wants to hear more explosions. Certainly, the people of Gaza would like this to be over.
These are things that all sides can agree upon, right? We don't want war. We don't want death. We want all firing of weapons to cease.
So, regardless of what you think of Israel or Jews or Palestinians or Hamas, etc., if you want peace and you know that the _only way to make that happen near-instantaneously_ is to _free the hostages_, then why is that not the singular point that every pro-ceasefire activist is promoting?
---
So, just to be clear, let's consider a scenario: You are a pro-ceasefire activist. The one thing that you want is ceasefire. And you are told that the only way for an instant ceasefire is the return of the hostages who have been held captive for over 200 days without even a visit from the Red Cross. You show up at a pro-ceasefire rally and somebody gets on the megaphone and shouts some catchy rhyming slogan about "Intifada is the only solution!" Do you find this at all confusing? Or do you just go along with it?
---
I consider myself to be pro-ceasefire and I look forward to the war being over as soon as possible. It is my hope that not a single person needs to be hurt or scared and that those holding the hostages will recognize the error in their ways and give them up. Is that wishful thinking? Sure, it is. But, if I go to a rally, that is the message that I'm going to bring because it is line with my desire for a ceasefire. In fact, it is the only solution that we know of that will actually end the fighting. Which is what we want, right?
I do not understand how one can brand themselves pro-ceasefire and simultaneously be in favor a violent uprising across the land of Israel and the world (as they say to "globalize the intifida").
Even if you believe that Jews and Israel are the ultimate evil and we all love genocide and eating babies and whatever tf you want to believe about us, you know the one thing that will end the war is freeing the hostages, so why not that make that your message?

There was another post earlier about the maybank new ezycash offer for cash out with 6 months instalment at 0% interest rate, and I notice some people dismiss it or think it's too little benefit to care.
For people that think it's dumb to take advantage of these kind of offer for just few hundreds bucks, that is because you don't have a full strategy to utilize these offers.
But before I continue I must note this isn't meant for people that lack self discipline and self control, all financials tools are neither good or bad, it's entirely up for the users.

My Strategy

Bank offers 0% interest of ezycash/instalment/balance transfer from time to time, here's how I personally use them:

1. On my CCRIS I have a ~78% utilization on all my credit limits from a few banks, the outstanding total is RM102,335
2. Most of these outstanding are either 0% interest instalment from balance transfer promo, or convert your spend to instalment promo.
3. Now HERE is the where the real strategy comes in, I rollover those outstanding whenever I clear up some limits, in plain words which means every month let say i pay RM 8k, this RM8k is then return to available credit limit, I then look for another promo like this, and extract that money out again with 0% interest, this means I'm constantly rolling the RM100k debt, which you can see it as bank lend me RM100k indefinitely, and I have been doing this for years.
4. Now how you utilize this RM100k is completely up to you, if you are risk averse, put them in ASB or US short term treasury for that sweet 5% with low risk, which is RM5k free every year, but personally I see those outstanding as an advanced salary paid to me, which i can just return the payment with next month salary, so I am basically just invest earlier with my salary, and I invested most of them in US index funds like CSPX, if you look at the return of S&P500 and the weakening MYR against USD, you can prolly tell I made roughly about RM 100k with these offers.

Note

• The key here is to rollover your debt, the goal is to roll until the time you die and owes your bank RM100k and you win LOL, (or until that RM100k capital is nothing to you.)
• Pay your monthly statement on time, my CCRIS are all 0, of course the high utilization does impact your ability to apply for new credit cards and new loan, so make sure you plan around that, or decrease utilization by stopping the rollover if you plan to buy house or something in next year, because most of these debt are instalment of 12 months, some 18 months, you can easily clear off majority of the debt and reduce utilization back to normal level in just a year or max 2 years.
• THIS IS NOT SUITABLE FOR PEOPLE THAT LACK DISCIPLINE AND SELF CONTROL OBVIOUSLY.

By the way, taking advantage with these offer are way easier when most e-wallet doesn't charge you 1% for credit card top up, so now it may be harder with the increase cost, but there are other ways to achieve the same without e-wallet, just use credit card for regular day life spending works too.
I wrote more about this in my blog post:
Balance Transfer: The Interest Free Capital You Should Know - MalaysianPF.com

Could use some advice. I currently own a 2023 model three standard range in which I am underwater on the loan. I have approximately 29,000 left on the loan (financed through Tesla) and Tesla trade-in is around 24,000. Talking to different representatives at Tesla, They all mentioned that Tesla policy does not any rollover from the old loan balance into the new loan Iwould be taking if I would upgrade to a model Y. Has anybody dealt with the situation like this before? Or guidance would be a greatly appreciated!

Struggling with a deferred interest loan. I was late on a payment, unknowingly ending an 18-month no-interest promo. Was never notified; statements continued showing no interest. Over a year later, found out interest had been piling up. Statements and portal always showed that the promo was active and no interest had been accruing. Isn’t this misleading? Shouldn’t I have been notified?

I'm dealing with a tricky deferred interest loan scenario and could use some advice. I financed a purchase under an 18-month no-interest promotion, which stated that a late payment would trigger interest. I made a payment 36 days late, not realizing this would end the promotion. Yes, I had read the contract but hadn't committed this part to memory. No new notifications were given; my statements continued to show zero interest accruing and the promotional period still active.
Over a year later, two days ago, when requesting a payoff amount, I found out that interest had been accumulating since that late payment. The customer portal and my statements never updated to reflect this change and kept instructing me to call for accurate figures, which I had done as recent as February 2024. Up until two days ago I hadn't received any mail, email, phone calls, etc indicating that the promo status has changed.

1. Shouldn’t I have been notified about the promotion ending and interest starting to accumulate?
2. Could this situation be seen as misleading under consumer protection laws?

Appreciate any guidance or similar experiences!

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It's clear that this year is an absolute mess, but that's not the point of this community, we are here to solely focus on Baby Lasagna.
I created this community to share the news, memes, art and love for one of my favorite (it not THE favorite) Eurovision acts ever. I am really happy to see this community growing and that there is a lot of people sharing the same love for Baby Lasagna.
From reserve on Dora, to one of the biggest favorites to win Eurovision, this is a movie-worthy story. Many of us had no idea until couple of months ago who Marko Purišić is and now he is taking entire world by storm.
Aside from addictive catchy tunes, a huge work ethic and important topics packed in humorous lyrics, Marko seems like the nicest and coolest guy. He is a perfect role model and a proof that hard work does pay off. And as a rock/metal fan myself, aside from many other genres, it melts my heart to see children listening to his music and a heavy song captivating people in Croatia, Balkans and entire World.
Eurovision slogan is "United by Music". We have seen this year that might not be the case. But Marko united us. He united entire Croatia, and entire Balkan. It might come as a surprise to some that I am actually from Serbia. I have a lot of family in Croatia, my grandmother is Croatian, and I visit my family whenever I get the chance. And trust me, Baby Lasagna euphoria is huge here as well, just as it was for Konstrakta in Croatia two years ago. Maybe even bigger. We have seen wonderful scenes with Croatian, Serbian and Slovenian representatives this year, and I feel we really support each other which is a wonderful thing and the point of music, to unite.
Nobody knows what will happen tonight. I hope for the best possible result, as probably all of us, but it wouldn't come as a surprise if he doesn't win considering everything that is going on.
Whatever happens tonight... It's just the beginning! Marko released 3 songs so far and has an album coming out soon. He went from an unknown singesongwriter looking for a "regular" job, to a European megastar and someone whose videos have millions of views. He also grew as an artist and performer in front of our eyes.
I wish him the best of luck tonight. Victory would be deserved and an amazing ending to an amazing story. But even if it doesn't happen, I am sure the best is yet to come.
VOTE FOR NUMBER 23 TONIGHT, enjoy and have fun as much as possible watching tonight.
P.S. Sorry for a long ass post. MEOW! ❤️

Hopefully this is the right place to post this.
I’m looking for insights on a deferred interest loan situation I’ve found myself in and would appreciate any guidance or similar experiences you might share.
In January 2023, I took out a loan to finance a purchase under a promotional agreement which offered 18 months of deferred interest. According to the terms, the full interest would apply retroactively if the balance wasn't paid off within 18 months or if payments were late beyond a 30-day grace period (I honestly wasn't aware of this late patment aspect.)
In June 2023, a payment was made 36 days late that should have been made in the month of May, which I later learned terminated the promotion. However, I was not informed of this change—subsequent statements continued to display the promotional end date as July 17, 2024, with no interest charges shown, leading me to believe the promotion was still active.
Had I known this, I would have paid off the loan in full to mitigate 17.99% interest charges.
I've called the customer service for the lender a few times over the past 1.5 years, one as recently as February 2024, and in none of those calls were the promo termination mentioned.
It wasn’t until today, May 2024 when I requested a payoff amount that I discovered significant interest had been accruing since the missed payment over a year prior. I was taken aback as there had been no communication about this change, and all statements until then indicated that the deferred interest was not being applied. If i look at my loan web portal there's zero indication of the promo termination. I have no email records regarding this and I've never seen any mail making me aware of this.
I feel as though, whether intentionally or unintentionally, I was misled to believe that the promo was still active. In fact one of the customer service reps told me to just pay off the whole amount, including interest, and that I'd get a refund for all the interest. Hah, nice try, wasn't gunna happen.
I have already contacted the state attorney general’s office and the Consumer Financial Protection Bureau, and I’m consulting with a law firm next week. Before I proceed, I wanted to get your thoughts:

1. Is there typically an obligation for lenders to notify borrowers immediately when such promotional terms change, especially when it leads to significant financial implications like retroactive interest? My limited understanding is that there are consumer protection acts in place to prevent these types of situations.
   
2. Given that my statements did not reflect the termination of the promotion, could this be seen as misleading or deceptive under consumer protection laws?
   
3. Has anyone successfully challenged similar situations where the deferred interest terms were not clearly communicated following a promotion's termination?
   

Thanks for any advice or pointers you can provide!

I’m looking for insights on a deferred interest loan situation I’ve found myself in and would appreciate any guidance or similar experiences you might share.
In January 2023, I took out a loan to finance a purchase under a promotional agreement which offered 18 months of deferred interest. According to the terms, the full interest would apply retroactively if the balance wasn't paid off within 18 months or if payments were late beyond a 30-day grace period (I honestly wasn't aware of this late patment aspect.)
In June 2023, a payment was made 36 days late that should have been made in the month of May, which I later learned terminated the promotion. However, I was not informed of this change—subsequent statements continued to display the promotional end date as July 17, 2024, with no interest charges shown, leading me to believe the promotion was still active.
Had I known this, I would have paid off the loan in full to mitigate 17.99% interest charges.
I've called the customer service for the lender a few times over the past 1.5 years, one as recently as February 2024, and in none of those calls were the promo termination mentioned.
It wasn’t until today, May 2024 when I requested a payoff amount that I discovered significant interest had been accruing since the missed payment over a year prior. I was taken aback as there had been no communication about this change, and all statements until then indicated that the deferred interest was not being applied. If i look at my loan web portal there's zero indication of the promo termination. I have no email records regarding this and I've never seen any mail making me aware of this.
I feel as though, whether intentionally or unintentionally, I was misled to believe that the promo was still active. In fact one of the customer service reps told me to just pay off the whole amount, including interest, and that I'd get a refund for all the interest. Hah, nice try, wasn't gunna happen.
I have already contacted the state attorney general’s office and the Consumer Financial Protection Bureau, and I’m consulting with a law firm next week. Before I proceed, I wanted to get your thoughts:

1. Is there typically an obligation for lenders to notify borrowers immediately when such promotional terms change, especially when it leads to significant financial implications like retroactive interest? My limited understanding is that there are consumer protection acts in place to prevent these types of situations.
   
2. Given that my statements did not reflect the termination of the promotion, could this be seen as misleading or deceptive under consumer protection laws?
   
3. Has anyone successfully challenged similar situations where the deferred interest terms were not clearly communicated following a promotion's termination?
   

Thanks for any advice or pointers you can provide!

I’m a hockey guy and this is our Stanley Cup Playoff run! Just remember we meet pressure with pressure! Which means we meet buying with buying more, holding with holding it longer then ever. We all have a common goal, it’s going to take team work. We aren’t playing for ourselves we are playing for each other. We all have different teams we cheer for different political leaders we vote for different religions different background but we all believed in a slogan. I bet most of are grinding it 9-5 working to have better life’s! you could be a student with student loans, or working graveyard shifts, single parent, taking care of our families, some of us may have a ill family and times are tough for treatment, we all have a story. We work and get taxed so much if there is one thing in common we get ripped off and suppressed and worked like slaves this is our common goal to get our freedoms back to be able to pay it forward. So starting today you are my sloth family and here to go to the moon with you all 🦥❤️
God sloth..

Alright friends, I almost consider this my 2nd attempt because there was a big gap between the first two and the second hardly improved. I basically scrapped everything as I got a ton of info about it just not being catchy enough.
Last Draft: https://www.reddit.com/PubTips/comments/1ch2bzl/qcrit_satirical_fiction_commune_96k_words_2nd/
Two major changes here: I took the advice of magictheblathering and changed the title from 'Commune' to 'Prosperity, Nebraska'. I agree it's punchier, I hope that the city itself is important enough to the story to warrant it.
Second, I changed the genre from Satire to Upmarket. I don't think the story is exaggerated enough to be satire. Humorous, yes, but I think I confused that with direct satire of a specific topic or trope.
DEAR AGENT,
Michael David is a liar. He lies at mandated company happy hours, lies when he adds a ‘Sincerely’ to his emails, and lies when he asks first dates about their hobbies. Truth is a luxury for those who are free of debts and cubicles. For the rest of us, there’s just routine.
Childhood friend Eli is independence incarnate. Self-help guru, social media star, and leader of ‘The Family’, an international collection of wannabe hippies stuck in the bodies of the bored upper class. He’s back from his travels to spread the word.
Michael experiences a hallucinatory revelation at Eli’s Ascension Ceremony that reveals a path to freedom. A return to the earth in the form of a decrepit farm in the desperate town of Prosperity, Nebraska.
The American Dream comes at price. Bank loans, crop quotas, and the personal hopes of the endearing denizens of Prosperity. Michael needs help, and invites the ranks of Eli and The Family to get things running before the threat of winter.
Eli is a much better liar. The farm couldn’t have fallen into Michael's lap without a little planning. And Eli has a dream of his own- an independent commune free of society's laws and expectations, guided by his charisma and a firm hand.
The Harvest Festival is near. A time when the Governor who makes the laws, the banks who own the land, and the press that document their struggles, all converge to smile and point. Eli will make sure they leave with changed minds- or not at all. Unless Michael can reclaim his dream as it's pulled from his hands once again.
Prosperity, Nebraska, is a 96,000 word Satirical Fiction novel rife with dark humor, nestled between the stale halls of corporate America and the small towns that built it.
Bio- credits for my short story and entertainment background.
Notes:
-I think the last sentence is weaker than the previous but I figured I need to bring Michael back into the fold before closing. I'm guessing I need to illustrate their conflict better? I'm hoping the outline does that well enough
-First paragraph, I get he comes off as unlikeable, trying to find a way to hook the agent and display his inner conflict without depicting him as just boring. A disgruntled millennial office worker is less interesting than he is relatable, and it takes a few chapters of struggle to get him energetic as a character. I've struggled with how to initially paint this character throughout these drafts and even did edits in the novel to give him some juice earlier in the story.
Thanks for the continued advice.

The ROI of Good Design: Why Investing in PixsMagic Pays Off In today's competitive business landscape, a strong brand identity is no longer a luxury, it's a necessity. But what exactly makes a brand strong? It's more than just a catchy slogan or a trendy logo. A truly powerful brand is built on a foundation of good design – design that resonates with your target audience, communicates your message effectively, and ultimately drives business growth.
At PixsMagic, we understand the power of good design. We're not just about creating aesthetically pleasing visuals; we're about crafting strategic design solutions that deliver measurable results. But the value of design can sometimes be a tough sell. After all, how do you quantify the impact of a well-designed website or a captivating brochure?
The good news is, there's a wealth of data that proves the ROI (Return On Investment) of good design is undeniable. Here are just a few ways investing in PixsMagic's design expertise can pay off for your business:
1. Increased Brand Awareness and Recognition:
First impressions matter. A well-designed logo, website, and marketing materials are the cornerstones of a strong brand identity. They create a consistent visual language that makes your brand instantly recognizable and memorable. Studies by Siegel+Gale have shown that companies with strong brand consistency achieve a 33% higher return on stock than those without. PixsMagic can help you develop a cohesive brand identity that sets you apart from the competition and stays etched in your customers' minds.
2. Enhanced Customer Experience:
Good design isn't just about aesthetics; it's about usability. A well-designed website or app should be intuitive and user-friendly, guiding visitors seamlessly towards the desired action, whether it's making a purchase, signing up for a newsletter, or contacting your business. In a study by Forrester, companies that prioritize user experience (UX) design report a 100% increase in customer satisfaction ratings. PixsMagic's design team can create user-centric experiences that keep your customers engaged and coming back for more.
3. Improved Conversion Rates:
Strong visuals can significantly impact your conversion rates. High-quality product images, compelling calls to action, and clear navigation on your website can all contribute to a higher percentage of visitors converting into paying customers. Studies by Website Optimization Company found that websites with high-quality visuals can increase conversion rates by up to 86%. PixsMagic's design expertise can help you optimize your marketing materials and website to convert more leads into sales.
4. Increased Brand Loyalty:
Customers are more likely to be loyal to brands they connect with on an emotional level. Good design can evoke positive emotions and create a sense of trust with your audience. When customers appreciate the look and feel of your brand, they're more likely to become repeat customers and brand advocates. A study by The Design Council found that businesses that invest in design outperform their competitors by up to 200% in terms of brand loyalty. PixsMagic can help you create a brand that resonates with your target audience and fosters lasting customer relationships.
5. Reduced Marketing Costs:
A well-designed marketing campaign can be far more effective than a poorly designed one. Eye-catching visuals and clear messaging can grab attention, cut through the clutter, and deliver your message more effectively. This can lead to a reduction in the amount of money you need to spend on marketing campaigns to achieve your desired results. In a study by the American Marketing Association, companies with strong design principles reported a 22% reduction in marketing costs. PixsMagic can help you create marketing materials that stretch your budget further and deliver a higher return on your investment.
Measuring the ROI of Design
While the benefits of good design are clear, quantifying its impact can sometimes be challenging. However, there are a number of metrics you can track to measure the ROI of your design investments. Here are a few key areas to focus on:
Website traffic and conversion rates: Track how changes to your website design impact the number of visitors and the percentage of those visitors who take a desired action. Lead generation: Monitor how your marketing materials influence the number of leads you generate. Sales figures: Track how design changes to your marketing materials or product packaging affect your sales figures. Customer feedback: Conduct surveys or gather customer reviews to see how they perceive your brand and its visual identity. By tracking these metrics, you can gain valuable insights into the effectiveness of your design investments and make data-driven decisions to optimize your brand image for maximum return.
Investing in PixsMagic's Design Expertise
At PixsMagic, we believe that good design is an investment, not an expense. Our team of experienced designers can help you create a brand identity that is not only visually appealing but also strategically designed to achieve your business goals. We work closely

Segment of a signed message posted to reddit. Anyone else seeing the residue of old school 19th century style antisemitism here?

Aside:
The first post from a different user was removed for being spam. Then my post was removed "pending moderator approval", I messaged the mods and they told me my previous post was removed since "Links to Google docs are often used to unmask and dox users by scraping their Gmail account ids. This is a security issue. Post whatever you want as a link to the open web, or not at all."
Obviously nothing is more doxing than the Gmail account ids (despite the Jewish students literally signing their names below), so I have posted the letter directly here instead. I removed the 322 signatures as well since that is dox-like as well.
I expect nothing but rational and civil discourse in the comments below.
To the Columbia Community:
Over the past six months, many have spoken in our name. Some are well-meaning alumni or non-affiliates who show up to wave the Israeli flag outside Columbia’s gates. Some are politicians looking to use our experiences to foment America’s culture war. Most notably, some are our Jewish peers who tokenize themselves by claiming to represent “real Jewish values,” and attempt to delegitimize our lived experiences of antisemitism. We are here, writing to you as Jewish students at Columbia University, who are connected to our community and deeply engaged with our culture and history. We would like to speak in our name.
Many of us sit next to you in class. We are your lab partners, your study buddies, your peers, and your friends. We partake in the same student government, clubs, Greek life, volunteer organizations, and sports teams as you.
Most of us did not choose to be political activists. We do not bang on drums and chant catchy slogans. We are average students, just trying to make it through finals much like the rest of you. Those who demonize us under the cloak of anti-Zionism forced us into our activism and forced us to publicly defend our Jewish identities.
We proudly believe in the Jewish People’s right to self-determination in our historic homeland as a fundamental tenet of our Jewish identity. Contrary to what many have tried to sell you – no, Judaism cannot be separated from Israel. Zionism is, simply put, the manifestation of that belief.
Our religious texts are replete with references to Israel, Zion, and Jerusalem. The land of Israel is filled with archaeological remnants of a Jewish presence spanning centuries. Yet, despite generations of living in exile and diaspora across the globe, the Jewish People never ceased dreaming of returning to our homeland — Judea, the very place from which we derive our name, “Jews.” Indeed just a couple of days ago, we all closed our Passover seders with the proclamation, “Next Year in Jerusalem!”
Many of us are not religiously observant, yet Zionism remains a pillar of our Jewish identities. We have been kicked out of Russia, Libya, Ethiopia, Yemen, Afghanistan, Poland, Egypt, Algeria, Germany, Iran, and the list goes on. We connect to Israel not only as our ancestral homeland but as the only place in the modern world where Jews can safely take ownership of their own destiny. Our experiences at Columbia in the last six months are a poignant reminder of just that.
We were raised on stories from our grandparents of concentration camps, gas chambers, and ethnic cleansing. The essence of Hitler’s antisemitism was the very fact that we were “not European” enough, that as Jews we were threats to the “superior” Aryan race. This ideology ultimately left six million of our own in ashes.
The evil irony of today’s antisemitism is a twisted reversal of our Holocaust legacy; protestors on campus have dehumanized us, imposing upon us the characterization of the “white colonizer.” We have been told that we are “the oppressors of all brown people” and that “the Holocaust wasn’t special.” Students at Columbia have chanted “we don’t want no Zionists here,” alongside “death to the Zionist State” and to “go back to Poland,” where our relatives lie in mass graves.
This sick distortion illuminates the nature of antisemitism: In every generation, the Jewish People are blamed and scapegoated as responsible for the societal evil of the time. In Iran and in the Arab world, we were ethnically cleansed for our presumed ties to the “Zionist entity.” In Russia, we endured state-sponsored violence and were ultimately massacred for being capitalists. In Europe, we were the victims of genocide because we were communists and not European enough. And today, we face the accusation of being too European, painted as society’s worst evils – colonizers and oppressors. We are targeted for our belief that Israel, our ancestral and religious homeland, has a right to exist. We are targeted by those who misuse the word Zionist as a sanitized slur for Jew, synonymous with racist, oppressive, or genocidal. We know all too well that antisemitism is shapeshifting.
We are proud of Israel. The only democracy in the Middle East, Israel is home to millions of Mizrachi Jews (Jews of Middle Eastern descent), Ashkenazi Jews (Jews of Central and Eastern European descent), and Ethiopian Jews, as well as millions of Arab Israelis, over one million Muslims, and hundreds of thousands of Christians and Druze. Israel is nothing short of a miracle for the Jewish People and for the Middle East more broadly.
Our love for Israel does not necessitate blind political conformity. It’s quite the opposite. For many of us, it is our deep love for and commitment to Israel that pushes us to object when its government acts in ways we find problematic. Israeli political disagreement is an inherently Zionist activity; look no further than the protests against Netanyahu’s judicial reforms – from New York to Tel Aviv – to understand what it means to fight for the Israel we imagine. All it takes are a couple of coffee chats with us to realize that our visions for Israel differ dramatically from one another. Yet we all come from a place of love and an aspiration for a better future for Israelis and Palestinians alike.
If the last six months on campus have taught us anything, it is that a large and vocal population of the Columbia community does not understand the meaning of Zionism, and subsequently does not understand the essence of the Jewish People. Yet despite the fact that we have been calling out the antisemitism we’ve been experiencing for months, our concerns have been brushed off and invalidated. So here we are to remind you:
We sounded the alarm on October 12 when many protested against Israel while our friends’ and families’ dead bodies were still warm.
We recoiled when people screamed “resist by any means necessary,” telling us we are “all inbred” and that we “have no culture.”
We shuddered when an “activist” held up a sign telling Jewish students they were Hamas’s next targets, and we shook our heads in disbelief when Sidechat users told us we were lying.
We ultimately were not surprised when a leader of the CUAD encampment said publicly and proudly that “Zionists don’t deserve to live” and that we’re lucky they are “not just going out and murdering Zionists.”
We felt helpless when we watched students and faculty physically block Jewish students from entering parts of the campus we share, or even when they turned their faces away in silence. This silence is familiar. We will never forget.
One thing is for sure. We will not stop standing up for ourselves. We are proud to be Jews, and we are proud to be Zionists.
We came to Columbia because we wanted to expand our minds and engage in complex conversations. While campus may be riddled with hateful rhetoric and simplistic binaries now, it is never too late to start repairing the fractures and begin developing meaningful relationships across political and religious divides. Our tradition tells us, “Love peace and pursue peace.” We hope you will join us in earnestly pursuing peace, truth, and empathy. Together we can repair our campus.
Signed:
322 Jewish students

Hello PHInvest!

Disclaimer

I already made searches about this topic inside the community but there wasn't a clear expert opinion on HOW PREPRICING REALLY GOES UP/DOWN FOR THOSE WHO CHOOSE 1-year, 3-year, 5-year, etc. I think I'll benefit more on those who experience their repricing period going UP or Down because that's the real pot of gold for me. Most of the comments I read are "Piliin mo to kasi di mo alam yung future, mag 3% or 5% ka just to be sure, Bayaran mo directly yung principal para mabilis bumaba loan amount mo, etc" but for me, most of these are base on intuition UNLESS THEY HAVE BEEN PAYING LONG ENOUGH TO EXPERIENCE THEIR INTEREST GOING UP OR DOWN. Sorry to stress this but I hope you got the idea of this post.
Anyway, get ready because I'll explain how I did the my math and made research on this topic.

TDLR

• Share your experience on how your repricing period gone up or down.
• For those who opted for 1 year - 5.75 (yr 2023) or dynamic repricing period, did it went higher, lower or it just stayed the same?
• For those who had chosen other repricing options, is there any regret?
• I know that there's a process of reducing your LOAN TERM, do they also allow reducing your REPRICING PERIOD?

Pag-ibig Repricing Rates

This table adds value to this post. I've searched from different sources on the internet about repricing period over the years.

Year / Repricing Period	1 Year	3 Year	5 Year	10	15
2024	5.750	6.250	6.500	7.125	7.750
2023	5.75	6.25	6.5	6.625	7.125
2022	5.750	6.375	6.625	7.375	8.000
2021	5.750	6.250	6.500	7.250	7.875
2020	4.985	5.375	6.375	7.270	8.035
2019	5.375	6.375	7.270	8.035	8.585

* 20, 25, 30 repricing period are not included but are available at the refences section.
As you can see, choosing 1 year or dynamic interest looks like the best option to beat interest rates. When you look it annually, 1 year is still the best option since its still around 5ish %
Does Pag-ibig really make it higher than 5.750?

References:

• Pag Ibig Housing Loan Interest Rate 2024 - https://pagibighousingloancal.com/pag-ibig-housing-loan-interest-rate/
• Pag-IBIG cuts interest rates for housing loan - July 19, 2023 https://www.philstar.com/business/2023/07/19/2282008/pag-ibig-cuts-interest-rates-housing-loans
• Pag-IBIG Fund offers promo rates on home loans to boost economy 2020 - https://www.pagibigfund.gov.ph/2020news.html
• (Updated!) PAG-IBIG Housing Loan Interest Rates 2020 - https://www.pinoymoneytalk.com/new-housing-loan-interest-rates-pagibig/
• Pag-IBIG Housing Loan: A Comprehensive Guide on How to Avail 2019 - https://www.bria.com.ph/pag-ibig-housing-loan-a-comprehensive-guide-on-how-to-avail/
• Pag-IBIG Housing Loan - Frequently Asked Questions 2024 - https://www.pagibigfund.gov.ph/FAQ_HL.html
• Pag-IBIG or Bank Loan: Which is Best for Buying a Home? 2021 - https://ohmyhome.com/en-ph/blog/pag-ibig-or-bank-loan-which-is-best-for-buying-a-home/
• Know Your Options: In-House vs. Bank vs. Pag-IBIG Housing Loans 2022- https://www.bria.com.ph/articles/know-your-options-in-house-vs-bank-vs-pag-ibig-housing-loans/
• Pag-IBIG Fund lowers home loan rates 2023- https://business.inquirer.net/411246/pag-ibig-fund-lowers-home-loan-rates

Adding this for similar posts (I considered helpful):

• https://www.reddit.com/Philippines/comments/zcw22z/pagibig_loan_30_years_do_you_have_regrets/
• https://www.reddit.com/phinvest/comments/t4lnvm/yearly_repricing/

I'll make this post available and make further updates along the way.