10 Amazing Reindeer Cats Full Of Joy And Christmas Spirit
āI hate you on so many levels right now.ā
All photos via RedditĀ . Please click on each photo for individual credit.
taylor price
YOU ARE THE REASON

izzy's playlists!

Kaledo Art

Kiana Khansmith
will byers stan first human second
hello vonnie
art blog(derogatory)
šŖ¼

Origami Around
$LAYYYTER

titsay

if i look back, i am lost
Alisa U Zemlji Chuda
noise dept.

@theartofmadeline
One Nice Bug Per Day
wallacepolsom

ā
Sweet Seals For You, Always
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@geemarebear-blog
10 Amazing Reindeer Cats Full Of Joy And Christmas Spirit
āI hate you on so many levels right now.ā
All photos via RedditĀ . Please click on each photo for individual credit.
reblog to add +10 haunting power to your ghost when you die
i aint risking being a weak ass ghost
The cost of the space program is astronomical
LSSC | 2016.11.21
He is so DELIGHTED
āThey want to hire a part of me.ā
Everything about this, from Carrieās viscerally presented and excellent point, to the pun, to the look on Stephenās face like he just fell in love. Ā Everything is so, so good.
I now know firsthand that going to a car dealership isā¦an experience.
I went going exactly what car I wanted and I imagine that if you donāt know that much itāll be easier for a dealership to screw you over when you get there by feeding you misinformation about a car, manipulating you into buying a more expensive model, and etc.
I had already done all my research online so I knew what I wanted. Down to the color. (Green is my favorite color!)
So boyfriend and I went (I followed Tumblrās advice about bringing a man lol). And I test drove the car and loved it just like I knew I would. And THEN the real dealership experience began.
The bottomline is that I knew my credit score and so I knew what kind of interest rate (APR) I should expect. I also knew the manufacturer price of the car (MSRP) and I knew how much they were selling for on average in my area ($3k less than MSRP).
So I knew what I was going to pay and I had already decided on that in my head.
So dealer #1 (a white guyāthis is relevant to mention lol) brings back the first set of numbers. He cushions it with making small talk and flattering me on starting my PhD in August. He also chats up boyfriend.
The numbers were bad. I could tell looking at it. Although they didnāt say the APR, I knew that my monthly rate shouldnāt be that high based on the number of months Iād be paying it. Also they only gave me $2k off MSRP.
I noted that the sticker price was too high because I can go to another dealer and get it cheaper and they knocked off another $1k.
And then I asked him what the APR was. He was very evasive and kept telling me to look at the monthly payments because thatās what āreally matters.ā No, what really matters is what Iām paying for the car overall which is the sticker price + state fees (unavoidable) + interest rate.
Dealer #1 finally told me the APR and it was 3x the rate I knew I was eligible for. I told him thatās not gonna work. He turned aggressive and said that Iām a first time buyer and I canāt expect better and that Iām being unrealistic to expect a lower rate and etc etc.
So I said that my bank quoted me a rate half that much and Iāll just go through them and buy later (at a different dealer). Because I want the car but thereās 2 other places I can go to get it in my area.
Then all of a sudden dealer #1 could get me a better APR. His next offer was 2x what I wanted to pay. I said nah that good enough.
Then they brought out dealer #2, who was a Black guy. He didnāt sit down and instantly start talking about the price. He said a bunch of small talk and said some stuff about being Black lol. Tryna be chummy chummy and connect with us on a racial level.
Then he tried to push the same numbers as dealer #1. I said I know Iām young and I donāt have a math background but youāre charging me way too much for this car and Iām not going to buy it at that price. Period. I said: get the APR down and Iāll buy the car. He kept telling me it wasnāt possible and I said okayā¦I wonāt buy it.
But then he was like waitā¦lemme run the numbers. And ta da! He came back with the right APR. Also zero down. And payments lower than my target.
This whole process took 5 hours.
Moral of the story:
- know as much as you can before going to a dealership so you can focus on the numbers - know your credit score so you know what your APR should be - get approved through an independent bank for a loan so you have leverage to negotiate with a better rate from the dealer - donāt focus on monthly payments. Times that by the amount of months so you know what youāre REALLY paying - threaten to walk because stuff magically happens at dealerships when you do lol
YES. and I will also swear by The Toastās How to Buy a Car Without Interacting With a Human
This.
Dealing with this right now and itās miserable. My dealer was trying to make me pay 3x what I was willing. I hate this process so much.
Are we sure that foxes are canines? Are we sure they arenāt just big stupid cats?
Ugh what a cutie
I NEED IT
I need 12
foxes arenāt caninesā¦
WELL, theyāre certainly not felines.
Iām going to textgrab from this postĀ by prokopetz:
I often see foxes referred to as ācatdogsā on Tumblr, but I wonder if folks realise how true that really is.
Thereās a phenomenon called convergent evolution that occurs when two taxonomically unrelated species exploit the same ecological niche. The features that are needed to best take advantage of a given niche are pretty much the same everywhere you go; thus, over time, those species will become anatomically and behaviourally similar, even though theyāre completely unrelated.
And foxes? Foxes are what you get when an ecosystem has no native small felines, so a canine species evolves to take advantage of the ecological niche that would have been exploited by a small feline, if one existed.
In other words, a fox is literally what you get when a dog tries to cat.
So, in a wayā¦
Leaving your bed in the morning
Women scientists made up 25% of the Pluto fly-by New Horizon team. Make sure you share this, because erasing womenās achievements in science and history is a tradition. Happens every day.
.
http://pluto.jhuapl.edu/News-Center/News-Article.php?page=20150712
70 seconds over 9 years and 3 billion milesā¦
ā¦I just⦠DamnĀ
Launch to Pluto flyby for New Horizons took 3,580 days, and she was off by 70 seconds. Thatās like⦠Thatās an error of 0.000000226%.
Thatās fucking insane.
Thatās not even a rounding error!
Thank you for putting words & numbers to my awe of her precision.
from The White House snapchat.
i was talking to my cousin yesterday and he was talking about an accidental mistake he was dealing with, and proceeded to describe it as,Ā āi picked a whole fuckinā bouquet of whoopsie-daisiesā and tbh iām still thinking about it
This taxidermy was found inside a late 19th-century French mansion which has been sealed up for more than 100 years. Via National Geographic.
Good to know people were just as fucking weird before the internet.
ancient frog memes
et tu, dat boi?
Who has the better relationship with Bo?
date a girl who stops mid-sentence to tell you thereās a dog nearby
Taiwanese Couple Hilariously Parodies #FollowMeTo Couple
LMAOOOOOO @wontonlante
i love that one really expensive goth chicken breed
seriously
goth chickens