*Форма одежды*

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Форма одежды

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*This Is How My 100-Piece Whitney Houston Collection Helped Me Heal*

It helped me find connection again after an unimaginable loss. READ MORE...
[Read more...](https://www.apartmenttherapy.com/whitney-houston-collection-helped-me-cope-with-loss-37339701?utm_source=RSS&utm_medium=feed&utm_campaign=Category%2FChannel%3A+main)

*Звания в армии СССР*

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Звания в армии СССР

via forma full 5 https://ift.tt/LObds7x Manage Unsubscribe from these notifications or sign in to manage your Email service.IFTTT Manage on IFTTT: https://ifttt.com/myrecipes/personal/114580525
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*Some People Don’t Want Heirlooms, but I Spent $1,000 to Keep One*

It makes me feel so at home. READ MORE...
[Read more...](https://www.apartmenttherapy.com/saving-family-heirloom-37337845?utm_source=RSS&utm_medium=feed&utm_campaign=Category%2FChannel%3A+main)

*Что делать, если постоянно хочется спать*

Несколько хороших способов почувствовать себя свежим и бодрым.
[Read more...](https://lifehacker.ru/xochetsya-spat/)

*Представлен трейлер «убийцы» The Sims — симулятора жизни inZOI с невероятной графикой*

Там можно будет прожить маленькую жизнь — с работой, своим домом и отношениями. Картинка действительно впечатляет.
[Read more...](https://lifehacker.ru/opublikovan-gejmplej-inzoi/)

*Your high-interest rate auto loan is making someone a ton of money (even if you default)*

It's like a blast from the 'needs-to-never-be-forgotten' past. Financial institutions claimed they had learned a valuable lesson from the 2008 housing crisis that nearly wiped out the global economy. Related: Inflation slows sharply, core at 2-year low; Fed rate cut seen more likely About 15 years ago the world learned in real-time the dangers of subprime mortgages in the housing sector after the house of cards built by subprime mortgages, that were then bundled into securities that could be bought and sold by institutional traders on Wall Street, came crashing down around us. The cascading effect from the fallout nearly took out the real estate market, the auto industry and stock market as well, leading to one of the worst economic collapses in U.S. history. Fifteen years later it seems Wall Street has learned at least one thing: Turning bad auto loans into securities that can be traded can also be a way to make a ton of money without actually producing anything of value. Subprime car loans made to people with bad credit backed more than $37 billion of bonds last year, double the amount from 2012, according to a new report from Bloomberg. A car dealership in Richmond, Calif. on Sept. 6. Justin Sullivan/Getty Images The report detailed the plight of one subprime borrower who was paying more than a 22% annual interest rate on a vehicle note for which they were paying $750 per month. The borrowers inevitably defaulted — they were also paying more than $400 a month for another vehicle — but the offering document from Santander "suggests it built the security based on the assumption that much of the debt would go bad." Lending money to borrowers you know will default is exactly the type of practice that led Congress to pass the Dodd-Frank Act in 2010, requiring lenders to make sure the loans they gave to borrowers were affordable, based on said borrower's finances. But like many laws that come out of Washington, special interests were successful in defanging much of Dodd-Frank, and car dealerships successfully fought for an exemption from being policed by the U.S. Consumer Financial Protection Bureau that was created by Dodd-Frank. Santander reached a $550 million settlement in 2020 to resolve allegations that the company knew it was making loans that were likely to default. However, since car dealerships themselves are where most loans are made, the CFPB settlement will probably do little to curb the practice of subprime lending. As of June 2023, subprime debt made up about a fifth of the $1.58 trillion in outstanding auto loans, which is the second-largest kind of consumer debt in the country after mortgages. Wall Street is making millions selling car loans to customers who can’t pay them off.Read the Big Take on how lenders profit while borrowers buckle under debt as part of a fine-tuned money-making machine https://t.co/1BioJlULvo pic.twitter.com/9OWjh205FB— Bloomberg TV (@BloombergTV) November 14, 2023
[Read more...](https://www.thestreet.com/automotive/subprime-auto-loans-reach-new-high)

Your high-interest rate auto loan is making someone a ton of money (even if you default)

It's like a blast from the 'needs-to-never-be-forgotten' past. Financial institutions claimed they had learned a valuable lesson from the 2008 housing crisis that nearly wiped out the global economy. Related: Inflation slows sharply, core at 2-year low; Fed rate cut seen more likely About 15 years ago the world learned in real-time the dangers of subprime mortgages in the housing sector after the house of cards built by subprime mortgages, that were then bundled into securities that could be bought and sold by institutional traders on Wall Street, came crashing down around us. The cascading effect from the fallout nearly took out the real estate market, the auto industry and stock market as well, leading to one of the worst economic collapses in U.S. history. Fifteen years later it seems Wall Street has learned at least one thing: Turning bad auto loans into securities that can be traded can also be a way to make a ton of money without actually producing anything of value. Subprime car loans made to people with bad credit backed more than $37 billion of bonds last year, double the amount from 2012, according to a new report from Bloomberg. A car dealership in Richmond, Calif. on Sept. 6. Justin Sullivan/Getty Images The report detailed the plight of one subprime borrower who was paying more than a 22% annual interest rate on a vehicle note for which they were paying $750 per month. The borrowers inevitably defaulted — they were also paying more than $400 a month for another vehicle — but the offering document from Santander "suggests it built the security based on the assumption that much of the debt would go bad." Lending money to borrowers you know will default is exactly the type of practice that led Congress to pass the Dodd-Frank Act in 2010, requiring lenders to make sure the loans they gave to borrowers were affordable, based on said borrower's finances. But like many laws that come out of Washington, special interests were successful in defanging much of Dodd-Frank, and car dealerships successfully fought for an exemption from being policed by the U.S. Consumer Financial Protection Bureau that was created by Dodd-Frank. Santander reached a $550 million settlement in 2020 to resolve allegations that the company knew it was making loans that were likely to default. However, since car dealerships themselves are where most loans are made, the CFPB settlement will probably do little to curb the practice of subprime lending. As of June 2023, subprime debt made up about a fifth of the $1.58 trillion in outstanding auto loans, which is the second-largest kind of consumer debt in the country after mortgages. Wall Street is making millions selling car loans to customers who can’t pay them off.Read the Big Take on how lenders profit while borrowers buckle under debt as part of a fine-tuned money-making machine https://t.co/1BioJlULvo pic.twitter.com/9OWjh205FB— Bloomberg TV (@BloombergTV) November 14, 2023
Read more...

*Clutter Can Be Meaningful, and My Matchbook Collection Proves It*

And it’s the perfect way to spark up a conversation. READ MORE...
[Read more...](https://www.apartmenttherapy.com/meaningful-matchbook-collection-37339308?utm_source=RSS&utm_medium=feed&utm_campaign=Category%2FChannel%3A+main)

*I Decluttered My Grandma's Dishes — Now I'm Trying to Find Them Again*

I didn’t realize how much I loved them. READ MORE...
[Read more...](https://www.apartmenttherapy.com/thrifting-decluttered-dishes-37336228?utm_source=RSS&utm_medium=feed&utm_campaign=Category%2FChannel%3A+main)

*This Ingenious Hack Turns a Boring TV into a Work of Art — For Free*

You can easily swap out the artwork when you’ve grown tired of it! READ MORE...
[Read more...](https://www.apartmenttherapy.com/how-to-make-tv-look-like-artwork-37339279?utm_source=RSS&utm_medium=feed&utm_campaign=Category%2FChannel%3A+main)

*These $10 Toiletry Bags Are My Holiday Travel Essentials*

They keep my things packed and organized. READ MORE...
[Read more...](https://www.apartmenttherapy.com/sariok-clear-toiletry-bag-review-37340052?utm_source=RSS&utm_medium=feed&utm_campaign=Category%2FChannel%3A+main)

*High-profile billionaire lets a big secret slip about Warren Buffett*

Warren Buffett's financial moves are respected so highly that even other billionaires are looking to follow suit. Billionaire John Malone, who is the chairman of Liberty Media LSXMA, mentioned in a recent earnings call of the company that Buffett and his famous company Berkshire Hathaway holds a large amount of cash and other liquid assets in preparation for bargain investments. "If you look at Warren Buffett, he's sitting on a monstrous pile of cash right now," Malone said during the company's recent investor day and was reported by Business Insider.Related: Leaked info shows Warren Buffett reportedly engaged in some hypocritical stock trading As of September, Buffett's company owns over $157 billion in cash and other liquid assets, according to a recent earnings report. Malone, whose Liberty Media owns the likes of motorsport league Formula 1, referenced Buffett as his example for his company's business. He believes it's important to have a business that is generating cash in order to diversify its investments by adding other assets to drive further growth.Related: Warren Buffett is losing faith in a tech stock he once loved Buffett's company does exactly that by buying stocks and other business through the cash generated by its numerous subsidiaries. These investments ideally bring steeper growth than simply investing in bonds. Buffett has famously gained from investing in many of the most successful business. such as Coca-Cola and American Express. Berkshire Hathaway, which he has run since 1965, has gained at a rate of nearly 20% as of 2022, much higher than the average rate of return of the S&P 500. Action Alerts PLUS offers expert portfolio guidance to help you make informed investing decisions. Sign up now.
[Read more...](https://www.thestreet.com/investing/high-profile-executive-big-secret-slip-warren-buffett)

High-profile billionaire lets a big secret slip about Warren Buffett

Warren Buffett's financial moves are respected so highly that even other billionaires are looking to follow suit. Billionaire John Malone, who is the chairman of Liberty Media LSXMA, mentioned in a recent earnings call of the company that Buffett and his famous company Berkshire Hathaway holds a large amount of cash and other liquid assets in preparation for bargain investments. "If you look at Warren Buffett, he's sitting on a monstrous pile of cash right now," Malone said during the company's recent investor day and was reported by Business Insider.Related: Leaked info shows Warren Buffett reportedly engaged in some hypocritical stock trading As of September, Buffett's company owns over $157 billion in cash and other liquid assets, according to a recent earnings report. Malone, whose Liberty Media owns the likes of motorsport league Formula 1, referenced Buffett as his example for his company's business. He believes it's important to have a business that is generating cash in order to diversify its investments by adding other assets to drive further growth.Related: Warren Buffett is losing faith in a tech stock he once loved Buffett's company does exactly that by buying stocks and other business through the cash generated by its numerous subsidiaries. These investments ideally bring steeper growth than simply investing in bonds. Buffett has famously gained from investing in many of the most successful business. such as Coca-Cola and American Express. Berkshire Hathaway, which he has run since 1965, has gained at a rate of nearly 20% as of 2022, much higher than the average rate of return of the S&P 500. Action Alerts PLUS offers expert portfolio guidance to help you make informed investing decisions. Sign up now.
Read more...

*Despacito и Baby Shark: пользователи Сети назвали песни, которые могли бы играть в аду*

Главные адские хиты собрали в плейлист на «Яндекс Музыке».
[Read more...](https://lifehacker.ru/reddit-pesni-v-adu/)

*Alaska Airlines just dropped some $99 flights to Mexico (if you act fast)*

Unless you live in Florida or another warm part of the country, the weather is just starting to turn nasty enough to make some start dreaming about that tropical getaway. Several studies have now shown that even starting to plan and think about a vacation sends those dopamine levels soaring and improves one’s mood.Related: Delta adds a route U.S. tourists have been begging for Targeting that mid-November period before many's vacation-planning amps up, Alaska Airlines ALK just dropped its Mexico sale to commemorate the 35-year anniversary of first starting to offer service to the United States' southern neighbor in 1988. An Alaska Airlines plane. Image source: Shutterstock This is what you need to do to score that $99 flight to Cancun Between Nov. 14 and the end of Nov. 16, one will be able to find one-way fares to popular resort towns such as Acapulco and Zihuatanejo from many U.S. cities for $99 on the airline's site. "Alaska has connected travelers to the rich culture and natural beauty of Mexico since 1998 and has grown to be the #1 U.S.-based carrier from the West Coast with the most flights to the most destinations in Mexico," the airline told TheStreet in a statement. "The company continues to expand its footprint in the market and earlier this year announced new routes to Zihuatanejo, a popular resort destination along Mexico's Pacific Coast." More Travel:A new travel term is taking over the internet (and reaching airlines and hotels)The 10 best airline stocks to buy nowAirlines see a new kind of traveler at the front of the plane The latter town is a resort an hour's north of Acapulco that has been growing in popularity among sun-seekers in recent years. U.S. cities from which the $99 routes are available include Seattle, San Francisco, San Diego, San Jose, Los Angeles and Portland, Ore. As Alaska Airlines mainly services the West Coast, one will need to be in one of those cities to take advantage of the low rates. Travel also needs to be booked between Nov. 29 and March 13, 2024 with some blackout dates during popular holiday periods.Mexico is a hot destination this year (here’s where you can go) The most expensive routes are Portland to Puerto Vallarta and Seattle to San José de Cabo starting at $149 instead of $99. These prices are for Alaska’s Saver fare which allow one carry-on bag and no cancelations or early seat selection. Both airlines and Mexican cities themselves are expecting an influx of sun-seeking tourists from the U.S. this coming winter season. With the new Felipe Carrillo Airport at the resort town of Tulum nearing its completion, both Delta DAL and Spirit SAVE announced new routes that it will start running in the spring of 2024 — from Atlanta for Delta and from Orlando and Fort Lauderdale for the latter. American Airlines AAL also recently hopped onboard with a Tulum route. The airlines are also offering low introductory fares for those who will be able to commit to traveling in the spring now. What was once a quiet resort town known largely for its Mayan history exploded in popularity among travel influencers in the last five years and brought within it an influx of regular tourists. Tulum was previously accessible only by an hour-and-a-half’s ride by road after flying in to Cancun. Over two million visitors came to the resort town in 2022.
[Read more...](https://www.thestreet.com/travel/alaska-airlines-new-mexico-sale)

Alaska Airlines just dropped some $99 flights to Mexico (if you act fast)

Unless you live in Florida or another warm part of the country, the weather is just starting to turn nasty enough to make some start dreaming about that tropical getaway. Several studies have now shown that even starting to plan and think about a vacation sends those dopamine levels soaring and improves one’s mood.Related: Delta adds a route U.S. tourists have been begging for Targeting that mid-November period before many's vacation-planning amps up, Alaska Airlines ALK just dropped its Mexico sale to commemorate the 35-year anniversary of first starting to offer service to the United States' southern neighbor in 1988. An Alaska Airlines plane. Image source: Shutterstock This is what you need to do to score that $99 flight to Cancun Between Nov. 14 and the end of Nov. 16, one will be able to find one-way fares to popular resort towns such as Acapulco and Zihuatanejo from many U.S. cities for $99 on the airline's site. "Alaska has connected travelers to the rich culture and natural beauty of Mexico since 1998 and has grown to be the #1 U.S.-based carrier from the West Coast with the most flights to the most destinations in Mexico," the airline told TheStreet in a statement. "The company continues to expand its footprint in the market and earlier this year announced new routes to Zihuatanejo, a popular resort destination along Mexico's Pacific Coast." More Travel:A new travel term is taking over the internet (and reaching airlines and hotels)The 10 best airline stocks to buy nowAirlines see a new kind of traveler at the front of the plane The latter town is a resort an hour's north of Acapulco that has been growing in popularity among sun-seekers in recent years. U.S. cities from which the $99 routes are available include Seattle, San Francisco, San Diego, San Jose, Los Angeles and Portland, Ore. As Alaska Airlines mainly services the West Coast, one will need to be in one of those cities to take advantage of the low rates. Travel also needs to be booked between Nov. 29 and March 13, 2024 with some blackout dates during popular holiday periods.Mexico is a hot destination this year (here’s where you can go) The most expensive routes are Portland to Puerto Vallarta and Seattle to San José de Cabo starting at $149 instead of $99. These prices are for Alaska’s Saver fare which allow one carry-on bag and no cancelations or early seat selection. Both airlines and Mexican cities themselves are expecting an influx of sun-seeking tourists from the U.S. this coming winter season. With the new Felipe Carrillo Airport at the resort town of Tulum nearing its completion, both Delta DAL and Spirit SAVE announced new routes that it will start running in the spring of 2024 — from Atlanta for Delta and from Orlando and Fort Lauderdale for the latter. American Airlines AAL also recently hopped onboard with a Tulum route. The airlines are also offering low introductory fares for those who will be able to commit to traveling in the spring now. What was once a quiet resort town known largely for its Mayan history exploded in popularity among travel influencers in the last five years and brought within it an influx of regular tourists. Tulum was previously accessible only by an hour-and-a-half’s ride by road after flying in to Cancun. Over two million visitors came to the resort town in 2022.
Read more...

*Aldi Is Selling the Cuddliest Holiday-Themed Sherpa Pillows for $9.99*

Cue music: It’s the most snuggly tiiiime of the year. READ MORE...
[Read more...](https://www.apartmenttherapy.com/aldi-holiday-sherpa-pillows-37340086?utm_source=RSS&utm_medium=feed&utm_campaign=Category%2FChannel%3A+main)