If you’re considering buying a car, odds are you’re thinking about getting an auto loan as well. Below are seven crucial tips about auto loans that will help you find a financing solution that’s a good fit for your needs so that when the time actually comes to buy a car, you’ll be ready to roll. 1. Aim for shorter termsIf your financial situation allows for it, choosing a shorter loan term offers certain advantages. Not only will the interest rates be lower the shorter the term, but you’ll save by paying less overall for your vehicle. Plus, you’ll be on the path to paying it off sooner. If you can’t afford the monthly loan payment on the car you want with a shorter-term loan, then you might consider waiting until you can make a slightly larger down payment. 2. Pay it down Whatever your dream car may be, the bigger your down payment on it, the lower your interest rate will be. At a minimum, you should try to put down at least 20%. The general rule of thumb is that for every $1,000 you put down, your monthly payment will decrease roughly $18. 3. Time it right Timing is everything, especially when it comes to buying a car. If you can, wait until the later months like October, November, or December to shop. Also, try to look later in the month and earlier in the week, as these are the times when salespeople are trying to meet their quotas and therefore are more likely to negotiate down to lower prices. 4. Cover those taxes & fees Among the things that are often overlooked until the end of the car-buying process are the taxes and fees. If you can, try to account for these in the beginning of the process and pay them off in cash. It may sound like a small detail, but it can save you hundreds of dollars over the course of your loan. 5. Refinance & save There are many situations where refinancing your existing car loan can save you money. Your credit may have improved or maybe you just want to lower your monthly payments. Whatever your situation may be, refinancing may be the quickest way to a better interest rate. Try this calculator to see if refinancing might be right for you. 6. Consider going through a credit unionWhile credit unions can help you consolidate an existing auto loan, they're also a good first choice to finance a loan. Walking into a dealership with an already-approved auto loan from a credit union gives you a stronger bargaining position. See if the dealership can beat the rate you have. 7. Use conquest and loyalty discounts If you are buying a new car, never leave this discount behind. The amount can be $500-$2500 to keep your loyalty or to get you to buy into a competing brand.

So, She's a Preacher Now? Kamala Breaks Out Yet ANOTHER Fake Accent at Philadelphia Church

She's the Extremist: Kamala Harris Won't Name ONE Abortion Restriction She Supports

In Japan, manga have long been popular with readers of all ages. But over the past few decades, manga have gained millions of fans globally, who eagerly await new volumes of their favorite series. Some of the most popular manga have even inspired billion-dollar franchises, with anime adaptations, films, theme parks, and merchandising.

Image: The Verge A few months ago, my doctor showed off an AI transcription tool he used to record and summarize his patient meetings. In my case, the summary was fine, but researchers cited by ABC News have found that’s not always the case with OpenAI’s Whisper, which powers a tool many hospitals use — sometimes it just makes things up entirely. Whisper is used by a company called Nabla for a medical transcription tool that it estimates has transcribed 7 million medical conversations, according to ABC News. More than 30,000 clinicians and 40 health systems use it, the outlet writes. Nabla is reportedly aware that Whisper can hallucinate, and is “addressing the problem.” A group of researchers from Cornell University, the University of Washington, and... Continue reading…

Two things came immediately to mind when I read this weekend's bombshell report from The Information about Google working on an AI model that can essentially "take over" your Chrome browser, performing tasks on your behalf like booking a flight or purchasing a product. My first reaction was to congratulate myself for ditching Chrome (because I need a privacy-flouting tech monopoly performing tasks on my behalf like I need a hole in the head). My mind then went back to the shock I recently experienced when I opened my Google Calendar, in search of a particular detail about the vacation I'm going on soon -- I use Google Calendar, by the way, not by choice, but that's neither here nor there. I'm flying out of Memphis for my trip, and connecting through Denver, but I experienced a surge of panic when I saw that Google Calendar had me listed as flying out of Orlando International Airport, instead of Memphis, and then connecting through Denver. A quick double-check of my confirmation emails revealed that all was well and that I didn't inadvertently purchase a ticket that took me to the Sunshine State. It was just a matter of Google being Google. I bring that up, because for at least the past year or more my experience of using any Google product has been exactly like that -- specifically, finding Google to be less reliable when it comes to the tasks I need it for. Google Search, as we all know, is hopelessly broken. Emails that I actually need are randomly routed to Gmail's spam folder more than ever. There's ridiculous and easily catchable spam all over Google Maps. Its AI overviews must always be double-checked, thanks to their being rife with inaccuracies. https://twitter.com/interstatejuche/status/1828575596001067330 It's all because Google is so obsessed with AI and with error- and garbage-filled automation, that the company once universally regarded as an "organizer of the world's information" is fine with doing whatever it takes to keep from being seen as falling behind in the AI revolution. In fact, Google is so obsessed with AI to the detriment of its core business, that its new AI model that can reportedly take over your browser (codenamed Project Jarvis, and powered by an upcoming version of Google's Gemini) actually begs a huge question not related to privacy: If an AI model can actually complete entire tasks and transactions for you, doesn't that imply an impact to Google's core business of advertising? Meaning, if the AI is doing everything, you can just step away and make a cup of coffee without having to be glued to a screen -- a screen where you'd otherwise see and potentially engage with ads. So let me see if I have this right. A big chunk of the public either doesn't want or is skeptical of AI, and this kind of thing actually seems harmful to Google's business. But, you know, full speed ahead, regardless -- they can't let Sam Altman win, or something. Honestly, this whole thing not only continues to mystify me, but I remain convinced that a day of reckoning will come, such that the AI bubble will eventually pop in truly spectacular fashion. Gartner, to cite just one example, recently predicted that 30% of current generative AI projects will be abandoned by 2025. Regarding Google's new AI model: Nobody is that busy that they'd rather have an AI buy their plane ticket (and it's not like you aren't going to double-check all the details after the fact anyway, defeating the purpose). I especially don't want Google's AI doing that on my behalf, since it clearly can't even scan a ticket confirmation email in its own Gmail product correctly to show the right airport code on my Google Calendar. There's a reason why, to Gen Z, "Google" is no longer a verb. This is what happens when management types get their hands on a company, and revenue preservation trumps quality and usefulness. At that point, the story that you tell the world becomes more important than doing a lot of small things well -- small but critical things that add up to the important service that people used to love you for. https://www.youtube.com/watch?v=yL1d3n-BNuE Don't Miss: Google has found a new role for the man who broke Google Search The post Google is working on a new AI model that sounds so creepy appeared first on BGR. Today's Top Deals Best deals: Tech, laptops, TVs, and more sales Today’s deals: Govee AI Sync Box 2, $55 Vizio soundbar, $499 M2 Mac mini, Acer Aspire Go 15 Slim laptop, more Amazon gift card deals, offers & coupons 2024: Get $350+ free Today’s deals: $119 off iPad mini, $120 heated jackets, Energizer batteries, $30 Crock-Pot, more

McDonald's on Sunday ruled out beef patties as a source of the E. coli outbreak linked to Quarter Pounder hamburgers, which has killed at least one person and sickened nearly 75 others.

This is super cool!

?? Question asked why she never got any bigger? Tina Arena speaks a lot of truth and at the time spoke up against the lockdowns. I reckon that she knew it was happening in the Johnny Young talent show back in the 70s where Jamie Redfern came out and spoke about this in the late 80s everybody said he was lying, why didn’t she came out back then and supported Jamie? Maybe she was too scared and didn't want to f up her career... She was a good singer in her day. She sang "I'm in Chains"