Economy

2024-01-08 07:14:03

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#Anutin #ready #support #billion #baht #loan #doesnt #violate #constitution #iNN #Breaking #News #INNNEWS

2024-01-08 05:00:00

The founder of Lululemon, a company specializing in yoga clothing, created a mini scandal last week by criticizing his former company’s inclusion policy.

According to him, the people we find on Lululemon posters (with their extra pounds and their “ordinary” look) are “uninspiring”.

Obviously, the gentleman misses the days when fashion giants used top models or movie stars to sell their products, and not ordinary people you might encounter at the grocery store.

At the risk of having rocks thrown at me, I completely understand his criticisms…

Rita and Kevin

Fashion is a dream.

If my aunt Rita buys a perfume for $350 a drop, it’s because she wants to have the impression, when she wears her perfume, of looking like Linda Evangelista.

And not to my aunt Rita. What she already is.

I am a huge fan of the series Yellowstone. I love the way Kevin Costner’s character is dressed in this series. I would buy all her clothes.

Besides, I went to see on the Internet if we might buy Yellowstone clothing. (Answer: yes)

If I ever have the courage to dress like a rancher (which I highly doubt), it’s because it would make me feel — yes — that it would make me as cool as Kevin.

Yes, I know, it’s stupid. After all, a shirt is just a shirt, not plastic surgery.

But that’s fashion. Of the dream.

If I buy a shirt, it’s not to look like my postman or the head of the nails department at the Réno-Dépôt in Boucherville.

It is to have swag. (Which I unfortunately don’t have.)

“Body diversity” is all well and good, but if I go see the last Superman at the cinema, it’s not to see Danny DeVito in a cape and spandex kissing my cousin Chantal.

I want to be transported somewhere else. I want to feel like, for two hours, I’m Christopher Reeve or Henry Cavill.

The little man with a paunch, a pointy chin and a big nose, I see him every morning in my mirror.

No need to pay $15 to see it in the evening.

Freedom 2024

Do you remember the magnificent Freedom 90 music video, by George Michael? With Cindy Crawford, Christy Turlington and Naomi Campbell?

That was a clip, friends!

Today, if George Michael were alive, he would have to make his music video with Sylvie, Manon, Shirley and my aunt Rita.

I said that fashion took us “elsewhere”.

That is the problem. Little bunnies don’t want to be “elsewhere.” They want to recognize themselves. Meet. Always, all the time.

Even in works that were produced in the 16th century.

Everything, for them, must be a mirror. Reflecting their physique, their look, their values.

Because they are convinced that they are the best of the best.

It’s their trip.

But for me, if I go to Sephora tomorrow, and I see the Gérard perfume, “which makes you feel like you’re a plumber in an apartment block,” let me tell you that I’m going to pass.

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#Scoop #fashion #dream

2024-01-08 05:43:58

Apartment mortgage loans and jeonse loans are also included in the ‘refinancing loan infrastructure’ that allows for non-face-to-face loan transfers.

The Financial Services Commission and the Financial Supervisory Service announced that in the refinancing loan infrastructure, apartment mortgage loans will be able to be transferred from tomorrow (9th), and jeonse loans will be able to be transferred from the 31st.

The refinancing loan infrastructure consists of a loan comparison platform that searches for existing loans and loans to be replaced, financial companies holding existing loans, financial companies providing new loan products to be replaced, and the Korea Financial Telecommunications and Clearings Institute’s loan transfer relay system.

Financial consumers can use the loan comparison platform to check existing loans and compare new loans every business day from 9 a.m. to 8 p.m.

Once a new loan product has been selected, the borrower will apply for a loan review through the app or branch of the relevant financial company.

Documents such as home purchase contracts and rental lease agreements can be photographed and submitted non-face-to-face, and those from financially vulnerable groups such as the elderly can visit a branch and submit documents.

The financial company that provides the borrower with a replacement product will conduct a loan review for 2 to 7 days and then notify the borrower of the review results via text message.

Afterwards, the loan transfer is completed when the borrower confirms the loan conditions, including repayment method and interest rate structure, and agrees to a loan contract.

Loan products that can be replaced include apartment mortgage loans worth less than 1 billion won and guaranteed jeonse loans secured by apartments for which market prices can be inquired.

However, in order to prevent excessive loan transfers, apartment mortgages can be changed following 6 months of receiving the existing loan, and jeonse loans can be changed following 3 months until half of the jeonse rental contract period has expired.

Also, in the case of a jeonse loan, you must only switch to a guaranteed loan from the same guarantee institution that provided the loan guarantee for the existing loan.

To prevent the expansion of the use of the refinancing loan infrastructure from acting as a factor in increasing household debt, the financial authorities prohibited the amount from being transferred by increasing the amount, and limited the limit of new loans to the remaining amount of existing loans.

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#Apartment #mortgage #lease #loans #replaced #refinancing #loan #infrastructure

2024-01-08 05:05:56

Prices of used cars fell by 1.75% in the last quarter of 2023, according to the La Centrale observatory. On electric and hybrids, the drop is even 12.81%.

While the price of new cars jumped once more last year, that of used cars began a slight decline. In the last quarter of 2023, you had to pay an average of 22,490 euros to acquire a second-hand vehicle, a drop of 1.75% over one year, notes the La Centrale observatory.

Falling prices, especially for electric

“This is the most marked quarterly decline since the pre-covid era and since December 2019,” underlines the press release of this quarterly study from one of the leading sites in the second-hand market.

If we look by engine, the average price of a diesel vehicle was 22,390 euros in the fourth quarter of 2023, 19,490 euros for a gasoline model and 31,990 euros for an electric or hybrid car.

It is in this last category that La Centrale notes the largest drop over one year, with -12.81% and a drop of 4,700 euros in the average price of electrified cars compared to the end of 2022.

“This favorable development is explained in particular by the increase in the volume of advertisements for used electric vehicles available, up 180% compared to last year,” notes La Centrale.

A rather stable market in 2023

Prices of used cars still at a high level, which has not really encouraged a return to pre-covid volumes, underlines the Autoscout24 barometer.

With 5.24 million used cars changing ownership in 2023, the market has stabilized at a level equivalent to 2022 (-0.3%), but remains well below its level of 2019, with 9.3% fewer transactions.

Diesel remained the most popular engine, 50.93% of transactions, while new vehicles fell below the 10% threshold. Gasoline is second at 40.27%, ahead of hybrid models, 6.23% of transactions.

Electricity remains at a fairly low level: 89,105 sales, or 1.7% of the second-hand market in 2023, compared to 1.4% in 2022. Which is found in the top 10 best sellers (see box) , far from the sales figures of the most popular used cars in petrol and diesel.

The best used 100% electric sales in 2023
1 – Renault Zoé – 21,916 units (-1.88% compared to 2022)
2 – Peugeot 208 – 8,003 units (+30%)
3 – Tesla Model 3 – 6,647 units (+62%)
4 – Fiat 500 – 3,494 units (+9%)
5 – Renault Mégane – 3,154 units (+302%)
6 – Nissan Leaf – 2,705 units (-11%)
7 – Dacia Spring – 2,474 units (+290%)
8 – Kia Niro – 2,403 units (+45%)
9 – Peugeot 2008 – 2,205 units (+2.8%)
10 – Hyundai Kona – 2,190 units (+44%)
Source: Autoscout24

The record electric sales on the new market in 2023, with the drop in prices pointed out by La Centrale, should however contribute to an acceleration of this second-hand electric market in 2024. Even if we remain for the moment without news of the maintaining or not the ecological bonus of 1000 euros for used electric cars.

Overall, the price level on second-hand vehicles should still remain on a high plateau, underlines La Centrale:

“Although the economic difficulties linked to disruptions in supply chains which impacted new vehicles are no longer relevant, the decline in orders for new vehicles in 2023 should continue to impact the supply of recent vehicles on the vehicle market. opportunity in 2024.”

On used electrified vehicles, we should instead expect “a very gradual drop in prices, in the long term”, in particular thanks to the marketing of new, more affordable models such as the Renault R5, the Citroën ë-C3 or even the next electric Fiat Panda.

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#falling #prices #electrics #hybrids