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<?xml version="1.0" encoding="UTF-8"?><rss version="2.0" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" > <channel> <title>brmjlln.info</title> <atom:link href="http://brmjlln.info/feed/" rel="self" type="application/rss+xml" /> <link>https://brmjlln.info</link> <description></description> <lastBuildDate>Sun, 05 Nov 2023 22:54:14 +0000</lastBuildDate> <language>en</language> <sy:updatePeriod>hourly</sy:updatePeriod> <sy:updateFrequency>1</sy:updateFrequency> <generator>http://wordpress.org/?v=3.1.3</generator> <item> <title>Building a Bicycle Sound System</title> <link>https://brmjlln.info/building-a-bicycle-sound-system/</link> <comments>https://brmjlln.info/building-a-bicycle-sound-system/#comments</comments> <pubDate>Fri, 05 May 2023 12:46:06 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[body systems]]></category> <category><![CDATA[chop suey system of down]]></category> <category><![CDATA[lonely day system of down]]></category> <category><![CDATA[operating systems]]></category> <category><![CDATA[organ system]]></category> <category><![CDATA[organ systems]]></category> <category><![CDATA[solar system]]></category> <category><![CDATA[system]]></category> <category><![CDATA[system of down]]></category> <category><![CDATA[system of down byob]]></category> <category><![CDATA[systems]]></category> <category><![CDATA[systems not goals]]></category> <category><![CDATA[systems thinking]]></category> <category><![CDATA[systems vs goals]]></category> <category><![CDATA[toxicity system of down]]></category> <category><![CDATA[writing systems]]></category> <guid isPermaLink="false">http://brmjlln.info/?p=55</guid> <description><![CDATA[Bicycle Sound Systems (BSS) are growing in popularity. Anyone who has gone to a festival, seen or participated in a Critical Mass ride or watched the Skyride events in the UK will have seen a BSS in operation. The following … <a href="https://brmjlln.info/building-a-bicycle-sound-system/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Bicycle Sound Systems (BSS) are growing in popularity. Anyone who has gone to a festival, seen or participated in a Critical Mass ride or watched the Skyride events in the UK will have seen a BSS in operation. The following is a description of what I have learnt over the years in the art of building a sound system attached to a bicycle.Please note that all this is just my opinion; there are no rules. If it works and you or someone else is happy with the result then that is great. Duke Ellington once said, “There are two types of music, good and bad. If you like it, it’s good music.”The first consideration before building a bicycle sound system is to ask yourself exactly what is it for? Now this may sound like a stupid question but consider:</p><p>Is the music for your own enjoyment, other cyclists riding with you, or members of the public watching?</p><p>Will you be riding the bike whilst the music is playing? (probably answered in the first question)</p><p>Would you like to play just your own music or have facilities, i.e. mixing desk, microphones, to make the system more flexible?</p><p>Would you wish to hire out the system at festivals and other events?</p><p>Where would the system be stored when not in use?</p><p>How would you get the system to the events?<br />Hopefully you can see the reason for asking these questions first. Once you know what the BSS is for, there are now a few more questions.</p><p>What is the budget?</p><p>How loud is the system to be?</p><p>Will you want to operate it in the rain?</p><p>Is it to be self-powered?</p><p>Would you want to use a trailer?<br />I am going to presume that the BSS is designed to have the music playing whilst being ridden. I have seen ‘static’ systems but I feel the whole idea of a BSS is that we have mobile music.A top of the range BSS could run into thousands of pounds, especially if everything needed was bought new.The volume of the system is probably the key to everything. The amount of power needed outside is far, far more than is needed inside; most of the sound from speakers inside a building is actually reflected sound. Take the walls away and the volume drops massively.There has to be a balance between what is audible, the fidelity of the reproduction, what can be afforded, and what is practical. A super loud system can not only annoy the neighbourhood and attract the police but it becomes really heavy and is impossible to move. Remember there is not just the weight of the speakers, there are also batteries and amplifiers that have to be carried.Again, how loud depends on the use, if it is just yourself and a cyclist next to you, 50 – 100 watts could be enough. In my opinion, 100 watts would be the absolute minimum. If you want many people to hear you and you want a proper bass response, the wattage must increase. I believe 600 watts is somewhere around the maximum, for both volume and weight.Critically the amplifier must not be overdriven. This usually happens when the output of the amplifier is not enough for the situation. Everything is turned to max to compensate and there is distortion. We have all heard it, in cars, clueless DJ’s, PA systems… The crazy thing is that turning it down just a bit will reduce the volume very slightly but everything can now be heard properly without distortion.The question of waterproofing has to be considered from the outset. Placing plastic bags or sheeting over speakers, amps and players does not work; not only does it look terrible, water WILL get in. Another issue is at what point do the covers go on? In case it looks like rain or when it starts raining? The latter means carrying covers to hopefully quickly throw over the system (whilst it is running!) in the hope that nothing gets damaged. Although there are waterproof players out there, the connections are not waterproof. Waterproof speakers do not sound that good, they are small and low powered. I have never seen a waterproof amplifier.Self -powered or not? This will come down to the volume of the system. An average cyclist can develop 100-200 watts for an hour. Moving the bike and sound system is going to use a certain amount of that power. There are losses involved in converting that power to usable electricity. Taking these factors into account, never mind the engineering problems in generating the electricity, we do not have much left for powering the amplifier. It can and has been done, the systems are not that loud and, in my opinion, are not that good.Whether or not to use a trailer is again down to what the BSS is for. We have all seen the ghetto-blaster strapped to the side of a bicycle. It works but the sound is not too good and cannot be heard from more than a few metres away.The main problem with getting a decent sound without a trailer is one of weight. That is why all the good sound systems I have seen use a trailer.If it is decided that batteries will power the system, we then consider the amplifier. Although the best amplifiers, in terms of fidelity are the domestic, Hi-Fi amps, they run on mains, 110v or 240v AC. This means the battery voltage, most likely 12v DC, must be converted.This causes all sorts of problems. The worst is that cheaper converters, or inverters, convert the DC into a square wave AC, this makes an amplifier hum. The other problem is the idea of having high voltages running around the system.Even if these considerations were overcome, the next, probably terminal issue is that a domestic or PA amplifier would probably fall apart in a short time due to the battering bicycle sound systems get. And they do get a battering; cobbles, pot holes, kerbs, speed humps, all give these rigs a hard life.These reasons are why every BSS I have seen use 12v automotive amplifiers; they are relatively cheap, easy to bolt down and provided a reputable make is used, are very reliable.The fidelity of an amplifier on a BSS is not that critical. What is discernable inside a quiet living room will be lost outside. As long as there is no distortion, the most critical component of a bicycle sound system is the speaker(s)The most important consideration when building any music system, whether a domestic Hi-Fi, car audio system, or public address (PA) is the choice of speakers. Over half your budget should go on the speakers. If top quality speakers are used, you can get away, to a certain extent, with cheaper amplifiers. Do it the other way round and there will always be a poor sound.Speakers are difficult to get right. The different drivers, e.g. woofer, tweeter, must be matched with each other and they also must be matched with the correct crossover (the device that splits the signal into high and low frequencies). Not only that, the cabinet, or enclosure must also be matched to the drivers and the crossover.A sound engineer told me that he once worked for a top speaker manufacturer in the UK. His first project was to discover why their latest speaker did not work as well as their previous model. In theory it should have sounded better but mysteriously sounded worse. After a week of messing about he discovered that the screws holding the rear cover on were slightly shorter in the new speaker. Changing the screws for the longer ones magically brought the speaker to life.It is that story alone that makes the idea of building a speaker from DIY plans very much hit or miss. Yes, the speaker will work but will it sound fantastic, just OK or dreadful? The only advantage of building a speaker cabinet is that it could be made to fit a trailer, or be an integral part of the trailer.The choice of speakers is massive. Generally, speakers can be divided into three types, Hi-Fi, car audio and PA.Car speakers can be a popular choice for BSS as they are cheap. The biggest problem with them is that they have to be fitted into a cabinet. Often seen is the ‘sub’ bass, a 15″ speaker already fitted into a cabinet. The problem is that a ‘sub’ bass is just that, subsonic, or very low frequencies only. Great for certain types of music and a cinema surround sound system but not good enough on its own for a sound system. There will be a need for proper bass drivers as well as a sub. Generally a sub is not needed, not only does it require huge amounts of power to drive it, most music sounds good without one.Hi-Fi speakers can and are used. The disadvantages with them are:</p><p>To mount them properly they must either be strapped or screwed down. Screwing them means introducing screws into the cabinet, the cabinets are not designed for this and the material can be weakened. Also see above for the effect of the ‘wrong’ screws.</p><p>They are meant to be used in static situations. The electronic crossovers in them are not rugged enough for mobile use and can fail.</p><p>They are vulnerable to damage.</p><p>The connections are unreliable for a mobile application.<br />I believe the best speaker for a BSS are professional PA speakers for the following reasons:</p><p>They are very robust, built for a life on the road. The cabinets are usually made from tough ABS plastic and the speakers have protective grills over them.</p><p>They often have handles built into them which makes assembling and transporting the system easier.</p><p>The crossovers are built in and are made for rough use and to handle high power.</p><p>They have professional Speakon connectors, these are very quick to connect and cannot work loose.</p><p>A speaker from a quality manufacturer will have designed the drivers to work well together at high wattages reliably</p><p>The cabinets usually have threaded inserts making it easy to fix them to a trailer. (remember the story about the wrong screws; start screwing into a domestic Hi-Fi speaker at your peril. That is why speaker wall brackets just clamp onto the speaker).<br />Another aspect of speaker choice comes back to the intended use. Stereo or mono? Stereo only works when the speakers are in the correct position in front of the listener. This is not going to happen with a BSS. Another consideration is placement. Front, side or rear facing?An advantage of a mono sound is that the amplifier can be bridged. Most car amplifiers can be bridged. Bridging an amplifier has the effect of increasing the output of the amplifier. When bridging an amplifier into two speaker cabinets, extreme care must be taken to ensure the impedance of the combined speakers does not go below the minimum rated impedance of the amplifier otherwise a sorry mess of blue smoke will ensue.Having carefully chosen the amplifier and speakers. The question of getting it all to fit together must be considered.There is the choice of trailer and battery. The trailer often comes down to budget and availability. Just make sure it is strong enough to support the combined weight of everything.Do not use 12v car batteries. They are designed to give a large current in a short burst to operate the starter motor. They are not designed to go flat – a flat battery is anything less than about 12.5 volts. Once they have gone flat they will never recover. Each re-charge will result in a lower and lower final voltage until the battery will fail.The cheapest form of usable battery is the lead acid ‘leisure battery’. These are designed for caravans and wind charger and photo-voltaic systems; they can be re-cycled (recharged) many times before failure.Always use a fuse after the battery!Use proper crimped connectors, battery terminals etc. Try to avoid jamming wire under bolts. The vast majority of failures in all electrical systems are loose or bad connections.Try to use locking compound on screws and other fittings.Large output amplifiers that are bridged running in an enclosed space can be prone to overheating. A good amplifier will have an automatic shut-down if this happens. Overheating can be easily avoided by using computer cooling fans blowing across the amplifier. Stick-on heat sinks can help. Computer fans operate at 12v and can be found very cheaply on eBay.Put all the electrics into an enclosure that is waterproof. Have an air inlet at the bottom to let cool air in and an outlet at the top for the warm air to escape.The speakers can be protected by a cover over the top and some sort of material (printed fabrics are cheap and look good) across the front of them. As long as the material is a few inches from the front of the speakers they will remain dry.The music player for simplicity and water protection can be mounted near the amplifier. The obvious disadvantage is that it cannot be controlled from the bike. One solution is to mount it in a small box on the handle bars. We have found the best way is to use a plastic lidded box turned upside down with the box attached to the lid with a hinge. As long as the player is mounted above the base (lid) it will remain dry. Obviously if it is raining hard try to avoid opening the box!Finally, appearance. Briefly, if the system is just to please you and your friends probably the last thing to worry about is its appearance. After all, there is something to be said about the aesthetics of a functional device. However, if you want to hire the system out or use it on paid-for events, the appearance can be a more important consideration than its performance.So there you have it. I hope you have found this interesting and informative.Thanks for reading this! </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://brmjlln.info/building-a-bicycle-sound-system/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Scholarships & Schools 101: Getting and Keeping References</title> <link>https://brmjlln.info/scholarships-schools-101-getting-and-keeping-references/</link> <comments>https://brmjlln.info/scholarships-schools-101-getting-and-keeping-references/#comments</comments> <pubDate>Fri, 05 May 2023 10:34:58 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[american education]]></category> <category><![CDATA[dp education]]></category> <category><![CDATA[education]]></category> <category><![CDATA[education american]]></category> <category><![CDATA[education reform]]></category> <category><![CDATA[education system]]></category> <category><![CDATA[educational]]></category> <category><![CDATA[educational video for kids]]></category> <category><![CDATA[educational videos for kids]]></category> <category><![CDATA[motion education]]></category> <category><![CDATA[public education]]></category> <category><![CDATA[samurai education]]></category> <category><![CDATA[sex education]]></category> <guid isPermaLink="false">http://brmjlln.info/?p=53</guid> <description><![CDATA[You want to get into the best schools, and pay for your education, but to do both you need references. You begin applying for schools and scholarships, until you realize that you need to get 3 reference letters for each … <a href="https://brmjlln.info/scholarships-schools-101-getting-and-keeping-references/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> You want to get into the best schools, and pay for your education, but to do both you need references. You begin applying for schools and scholarships, until you realize that you need to get 3 reference letters for each scholarship or application. What next?Finding RefereesIn order to find referees, you need to determine how many references you need. Do you need 18 reference letters? Do you need 7 online forms filled out? Do you simply need the contact information for 3 references?Once you have established how many references you will need, you can figure out how many people will meet that need. Often, to get 30 or more references, you will only need 3 or 4 people. Once your referee writes you the first letter, the hard work is done. It often doesn’t take too long to have your references tailored for each application.It is also important to establish what type of reference you need. Do you need to have all academic references from teachers and professors? Or can you have a few references from community sources? Take this into consideration when planning your references.Asking for ReferencesYou now need to ask for references. When you ask for a reference, be specific. Say, “Will you please be my reference for my application to X college? I need you to fill in an electronic application by November 12th.”Ask someone that you trust to give you a good reference, and someone that will be organized enough to complete the package properly. You don’t want your application to suffer because of another person’s mistakes.Reference PackagesYour referees are busy people. You need to make their lives easier by organizing as much of it as you can for them. You can do everything short of writing the letter itself.If you want them to do more than one reference for you, make it easy on them by giving them a sheet of paper with the references you need by when. Make sure that each one is clearly labeled with specific instructions (for instance: you might need some in duplicate and some in triplicate). If your reference is submitting the letter themselves, then give them a stamped, addressed envelope. If your reference is returning the letter to you, make sure that you pick up the envelope when you say you will. Be sure to have them sign across the seal!Your references want to write a good letter. Help them out by giving them a cheat sheet. On this sheet you should explain that you are jogging their memories. Write how long you have known them, what courses you have taken with them, and any accomplishments that you achieved with their help.Include your resume or curriculum vitae in your reference package. You want to keep everyone up-to-date on your accomplishments. You should also include any essays that you had to write for your scholarship or university application. This means that your referees will be able to make direct mention of your future plans and how well-suited you are to the program.Organizing your ReferencesYou need to keep master list of what applications are due when. You will want to have on this list who your references are for each subject. Check off each reference after you have received it or know that it has been sent.Give your references time to write the letter. You don’t want them to write a rushed letter. Give yourself time to finish the application. Letting them know early means that you can give them a deadline that is a few days before the actual deadline. This will ensure that all of your materials get where they need to be on time.Thanking your ReferencesEach person who writes you a reference should get a thank you card. This card will explain what you have chosen to do. Explain what school you are going to, what scholarships you have received, and acknowledge your referee’s part in the process. Even if you did not get what you applied for, let your reference know. For extra-helpful references, you might even consider getting a box of chocolates or flowers.Thanking your referees keeps them happy. If they are happy, then they will write you letters later when you need it. You never know when you will need another reference. And, who knows…one day you might be writing reference letters yourself! </p>]]></content:encoded> <wfw:commentRss>https://brmjlln.info/scholarships-schools-101-getting-and-keeping-references/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Student Loans With Bad Credit: Some Factors to Think About</title> <link>https://brmjlln.info/student-loans-with-bad-credit-some-factors-to-think-about/</link> <comments>https://brmjlln.info/student-loans-with-bad-credit-some-factors-to-think-about/#comments</comments> <pubDate>Thu, 04 May 2023 08:21:09 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[auto loans]]></category> <category><![CDATA[bank]]></category> <category><![CDATA[bank loan]]></category> <category><![CDATA[best loan app]]></category> <category><![CDATA[car loans]]></category> <category><![CDATA[home loan]]></category> <category><![CDATA[instant loan]]></category> <category><![CDATA[insyant loan]]></category> <category><![CDATA[loan]]></category> <category><![CDATA[loan app]]></category> <category><![CDATA[loan apps]]></category> <category><![CDATA[loan for iits]]></category> <category><![CDATA[loan scam]]></category> <category><![CDATA[loan shorts]]></category> <category><![CDATA[loans]]></category> <category><![CDATA[low interest loans]]></category> <category><![CDATA[personal loan]]></category> <guid isPermaLink="false">http://brmjlln.info/?p=51</guid> <description><![CDATA[For most students, it is impossible to escape the need to secure funding to enter and complete a university education. With most students having no income and no credit history, they have to seek student loans with bad credit scores, … <a href="https://brmjlln.info/student-loans-with-bad-credit-some-factors-to-think-about/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> For most students, it is impossible to escape the need to secure funding to enter and complete a university education. With most students having no income and no credit history, they have to seek student loans with bad credit scores, thereby making the challenge of getting good loan terms more difficult.Students are given a bad credit rating only because there is no evidence yet to prove a good attitude towards managing finances and making loan repayments. However, the good news is that financial aid packages, especially those loans available from the US Department of Education, are available at low interest rates.Of course, there are options available when it comes to student loans, as well as factors to consider and look out for. Here is a brief rundown of some of the things applicants should be aware of.Advantages of Federal LoansThere is no doubt that federal sponsored or provided financial aid is the most popular form of funding for students. This is partly because of the ease with which students can qualify, and because when seeking student loans with bad credit, they are perfectly designed for the job. But there are some excellent advantages to get from them too.The challenge of finding loans that have low interest rates can be very difficult when turning to private lenders. But because these loans are provided through the US Department of Education, the terms are tailored to suit the particular pressures that students face. The rates, therefore, are lower than with private loans, and the repayment schedule is very flexible.The two common federal student loan programs are the Stafford and Perkins programs. They both boast low interest and flexible repayments, but the chief difference is that Stafford loans are designed for those coming straight from high school, while Perkins loans are to help students in serious financial difficulties.Alternative Loan OptionsIt is worth noting that just because the parents of students have excellent credit histories does not mean funding is not available. In fact, getting approval on student loans with bad credit are very much possible even if the parents have a much higher credit reputation. However, the borrower in this case are the parents, not the student.Known as a PLUS loan, the loan is granted through the US Department of Education student financing programs, like the Stafford and the Perkins programs, directly to the parents. This is because these programs assume that parents will provide some financial aid their children anyway. So there programs with low interest rates only cover a share of the funding, usually 50%.But PLUS loans are intended to cover the amount the parent is expected to pay when contributing to college costs, lifting the extra pressure that the family might find themselves under. So, it is not technically a student loan, but a parent loan.Qualifying for LoansMost students take out a mix of private and federal loans, though this can cause havoc when seeking student loans with bad credit. However, it is generally difficult not to get approval if all of the necessary boxes are ticked.Qualifying rests on a number of criteria, with the ability of pay the key factor. If the family of a student is financially assured, then funding may not be forthcoming. But the Stafford loan is available if at least half of the cost can be covered by parents.Low interest rates might not be enough to keep a student above water financially, which is when the Perkins loan is needed. Proving financial difficulty is necessary to secure this loan, but this can also be easily done when visiting the financial aid office on campus, and seeking student loan options. </p>]]></content:encoded> <wfw:commentRss>https://brmjlln.info/student-loans-with-bad-credit-some-factors-to-think-about/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>0% Financing May Not Be the Best Deal</title> <link>https://brmjlln.info/0-financing-may-not-be-the-best-deal/</link> <comments>https://brmjlln.info/0-financing-may-not-be-the-best-deal/#comments</comments> <pubDate>Thu, 04 May 2023 05:51:05 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Finance]]></category> <category><![CDATA[abc finance]]></category> <category><![CDATA[alan kohler finance report]]></category> <category><![CDATA[basic finance]]></category> <category><![CDATA[business and finance]]></category> <category><![CDATA[finance]]></category> <category><![CDATA[finance basics]]></category> <category><![CDATA[finance books]]></category> <category><![CDATA[finance comics]]></category> <category><![CDATA[finance degree]]></category> <category><![CDATA[finance kya hai]]></category> <category><![CDATA[finance major]]></category> <category><![CDATA[finance meaning]]></category> <category><![CDATA[finance news]]></category> <category><![CDATA[finance report]]></category> <category><![CDATA[finance stock]]></category> <category><![CDATA[finance update]]></category> <category><![CDATA[future of finance]]></category> <category><![CDATA[kohler finance]]></category> <category><![CDATA[learn finance]]></category> <category><![CDATA[personal finance]]></category> <category><![CDATA[public finance]]></category> <category><![CDATA[study finance]]></category> <category><![CDATA[types of finance]]></category> <category><![CDATA[what is finance]]></category> <category><![CDATA[yahoo finance]]></category> <guid isPermaLink="false">http://brmjlln.info/?p=49</guid> <description><![CDATA[Nearly a decade ago, struggling auto makers began offering 0% financing deals for new car buyers.The goal of these programs were to sell cars and the auto makers hoped that 0% deals would do just that – and they were … <a href="https://brmjlln.info/0-financing-may-not-be-the-best-deal/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Nearly a decade ago, struggling auto makers began offering 0% financing deals for new car buyers.The goal of these programs were to sell cars and the auto makers hoped that 0% deals would do just that – and they were right.Car buyers (currently in the market or not) flocked into auto dealerships seeking these financing deals. And, while some qualified for them, most did not. Once the buyer was in the dealership, the hard sell began – making it nearly impossible for the consumer to leave without a new vehicle – regardless if they qualified for the 0% financing or not.Are these 0% financing deals really all that beneficial? Maybe? But, for the majority of auto buyers they really offer very little incentive – here’s why:Most 0% financing deals are for only 36 months (3 years). Which is OK if you can afford a very high payment. Example, Ford is offering a 36 month, 0% financing deal for their Focus product line. A standard Ford Focus is priced around $17,000. Financing this vehicle, assuming 5% down, puts a payment around $449 for 36 months at 0%.A high monthly payment for a low budget consumer. The only real benefit is that this vehicle buyer would pay no interest over the life of the loan (provided that the dealer or manufacturer has not built some level of financing into the price of the vehicle).However, Ford is also offering 2.9% financing for 60 months. The same vehicle (with the 5% down) at 2.9% for 60 months (5 years) sets the payment at about $290 per month.Much more affordable for consumer who seeking to purchase a vehicle of this nature (meaning that this is a lower priced car, with limited features, geared for the low income buyer – low income buyers who cannot afford $449 per month in car payments). But, $290 is much more affordable than $449 per month (a monthly cash flow difference of $159).The one problem with this financing deal is that at 2.9%, the borrower (car buyer) would have to pay interest for the 60 months loan. But, what does this interest really costs?A 17,000 vehicle, with 5% down, at 2.9% for 60 months equates too approximately $1,300 in financing (interest). If looked at over 60 months, this is about $21 per month.But, Ford is also offering, on this same vehicle up to $3,000 cash back (not applicable with the 0% financing deal). This cash back option would more than cover the cost of financing – in fact, this cash back option would essentially pay the borrower some $1,700 (in overall benefit) for financing the vehicle and not taking the 0% deal. That’s $1,700 to the buyer’s good ($3,000 cash back minus the $1,300 in financing costs equals $1,700).Interestingly enough, this auto buyer could essentially have their financing rate increase to 6.9% for the 60 months before the cash back of $3,000 losses its financial benefit.The bottom line here is that 0% financing can be a good deal provided that other options do not offer better benefits. Instead of just looking at the financing rate (where 0% is always better than anything else) one should consider all offers and choose the one that makes the most financial sense.All the above assumes that the purchaser would qualify for both the 0% financing and the 2.9%, 60 month financing options. </p>]]></content:encoded> <wfw:commentRss>https://brmjlln.info/0-financing-may-not-be-the-best-deal/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>A Guide to Help You Pick the Best Air Purifier for Your Loved Ones</title> <link>https://brmjlln.info/a-guide-to-help-you-pick-the-best-air-purifier-for-your-loved-ones/</link> <comments>https://brmjlln.info/a-guide-to-help-you-pick-the-best-air-purifier-for-your-loved-ones/#comments</comments> <pubDate>Sun, 13 Nov 2022 09:21:43 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Available]]></category> <category><![CDATA[Help]]></category> <category><![CDATA[price]]></category> <guid isPermaLink="false">http://brmjlln.info/?p=36</guid> <description><![CDATA[Holidays are around the corner. This is the time of year when people start purchasing gifts for their loved ones. If you are going to purchase an air purifier for someone you love, we have some helpful tips for you. … <a href="https://brmjlln.info/a-guide-to-help-you-pick-the-best-air-purifier-for-your-loved-ones/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p>Holidays are around the corner. This is the time of year when people start purchasing gifts for their loved ones. If you are going to purchase an air purifier for someone you love, we have some helpful tips for you. If you want to purchase the best unit, you may be able to use this guide to your advantage. Read on to find out more.</p><p>1: Set Your Budget</p><p>Just like anything you purchase, make sure you have set your budget first. The price of the unit will vary based on a lot of factors, such as the capacity, filter type, features, and brand of the unit. If you don’t have a flexible budget, we suggest that you go for a product that is available to purchase for less than $300.</p><p>2: Consider the Needs of the Recipient</p><p>Your next move is to consider the needs of your recipient. If you are going to purchase this unit for everyday use, we suggest that you go for a unit that comes with a HEPA filter. On the other hand, if your loved one has a specific need, we suggest that you consider a specialized unit.</p><p>For example, if they are more prone to respiratory issues, such as allergies and infections, we suggest that you get a UV purifier for them. The devices are designed to neutralize viruses and bacteria.</p><p>3: Think About the Available Space</p><p>Another primary factor is to consider the available space in the office or house of the recipient. For example, if they need a general-purpose unit for a small apartment, you may want to consider a filterless unit.</p><p>On the other hand, if they have plenty of free space, you may consider a bigger unit that features a higher airflow rating. These units are powerful enough to cover a large face.</p><p>4: Consider Extra Features</p><p>Lastly, we suggest that you consider additional features that they will just love. For example, some units come with an indicator that turns on when the filter needs to be replaced. This will allow the user to change the filter so that the device continues to work properly.</p><p>So, you may want to consider these features before you place your order. These features may not be important to you, but your friend may just be over the moon.</p><p>Long story short, we suggest that you consider these four tips if you are going to purchase a gift for your loved one on these holidays. Since the air is full of pollution during winter days, nothing can make a better gift than an air purifier. Therefore, you should consider these tips before looking for an online or physical store to make your purchase decision.</p>]]></content:encoded> <wfw:commentRss>https://brmjlln.info/a-guide-to-help-you-pick-the-best-air-purifier-for-your-loved-ones/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel></rss> If you would like to create a banner that links to this page (i.e. this validation result), do the following:
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