APR
Apria, Inc. Common Stock
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I am a supervisor at a supermarket with 30 employees under me. I hired a college graduate my age (30's) with no experience, very nice guy. 4 months in he starts talking about how he's into horoscopes and specifically numerology. He starts saying he is a 11 and that I am a 11 too and that's why we get along. Rather than an address what I think is nonsense, I just let it slide because I don't want to hurt his feelings and him quit or go to HR for saying I was dissing his religious views. Fast forward one month later and he buys a $40k-50k sports car. We all were thoroughly impressed and happy for him. But I started questioning how he was able to afford the car and he told me he was a beginner stock trader. I was genuinely interested and said "really? What stocks are you trading?". He said "oh I am not trading real stocks yet, I am trading pretend stock with pretend currency in an online course to train for when I really do it". 🥸..He is only making $21 and hour, I know he took out some monster loan with a poor APR rate to get this vehicle. 1 month later he puts in his notice to say he's quitting to trade full time. I asked him how much he has made, he says he still hasn't started stock trading with real money yet. He gets fed up with a customer at work and decides he is done working and not going to finish out his two weeks. I don't hear from him for a month, until he comes back to work asking for his job back. Store manager declined him because he didn't finish out his two weeks.
This was the wildest and oddest experience I saw with stocks. The whole thing felt like a Wojack YouTube cartoon. I legitimately think he thought numerology and "vibrations" were going to help him trade stocks. I really don't wish him bad as he is a nice guy but it is more so just shocking to see this in real life

Tesla Y premium currently have 0.99% APR and standard at 0%. Self driving has been a gene changer for my commute . They’re not that expensive (under 50k for most builds)

I was in your boat talked to my credit union and got my high interest credit card debt transferred partially to a line of credit at a low interest rate and partially as a balance transfer to their card which had 0%APR for 12 months for the first year for balance transfers and thereafter a much lower interest rate and i was able to pay it off gradually. An actual conversation with a representative at the bank went further than anything I could find online as they understood my income situation with anticipated higher income in just a few years.

Sorry this is a rant, but Generative Engine Optimization. Instead of SEO.
AI isn’t going to just affect work. It’s going to affect commerce. There’s a possibility that any task that that uses an API or browse shopping mechanism will no longer require a site. It will just be a search bar that you talk to. Either through the company itself or a huge third-party LLM like ChatGPT or Claude.
Want a flight? A hotel? A restaurant recommendation? A savings account with the best APR for your situation? How about a food delivery?
You won’t even browse. You will have a faster conversation with something, something that knows your budget and preferences will find it for you. Like a hotel concierge. That is just one of the commercial applications of this new technology.
Businesses are already reorganizing their online footprint to appeal to how LLMs read the internet.

I’m a PGY-1 in anesthesiology with about **$20,000 in credit card debt** at roughly **25–30% interest**. Sallie Mae is offering a residency relocation loan of up to $30,000 at **6% interest / approximately 11.5% APR**. Payments can be deferred for up to four years, although I’d likely only defer until I’m able to moonlight in about **15–18 months**.
I understand this would essentially be converting unsecured credit card debt into another loan and potentially allowing interest to accrue during deferment. However, the lower rate seems like it could significantly reduce the interest burden and give me some breathing room during residency.
Has anyone used a residency relocation loan this way? Are there major downsides or fine print I should be aware of? Would this be a reasonable strategy, assuming I stop using the credit cards and have a plan to pay the loan down once I can moonlight?

i love rate hikes ! most of my money are in CDs that give me guaranteed money, currently 4.10% APR.

I have no special knowledge on this subject, but i think its more like a credit card balance going from the 0% intro offer to normal APR whatever that is percentage-wise.

Don’t forget loaning banks money at 0% APR while allowing them to saddle Americans with 24% APR to borrow the same money from them.

Do not buy bullion with a credit card. At +20%APR and 5% premium on the way in and 5% out, you are going to need that gold to go up a lot just to cut even.