January 15, 2001


svs updates.
Well, I applied for a savings account at Meriwest today. As soon as that gets processed (they said 1-2 business days, but today was a holiday), I'll be able to apply for a loan there. I checked their loan APRs and all of their "auto/RV/vehicle" loans are at 6.5% APR, which is by far the lowest I've seen around. So I'm pretty happy that my wonderful friend Laura recommended them. I've never done anything so "adult" as applying for a loan or purchasing a new vehicle, so this is all pretty exciting to me, in a "lookit what I can do!" sort of way. Bear with me. :)

I'm probably not going to win any friends with this next statement, but the whole concept of a loan that you pay off gradually, with interest, is really foreign to me. I've never paid less than the full amount on my credit card bill; I didn't have any student loans (scholarships are a wonderful thing); my parents sold me their old car when I moved to California. So I'm really reticent to take the plunge on this whole "borrowing money" thing. I hate the idea of interest -- whaddya mean I have to pay back more than I borrowed? I've never had to do that before! Oh well. I suppose it's really no different than saving X dollars out of every paycheck and then buying a bike with cash a year from now, only I'm paying slightly more for the privilege of having the bike while I'm paying it off. *sigh* It's still a really weird thing for my brain to accept. I just need to keep going with this, full speed ahead, until it's done and taken care of. It's how I make big decisions: I sorta putz around and don't do much about something, and my brain thinks about it off and on, on the back burner, and then one day, *bam*, I wake up and just say, "OK, I'm going to buy a brand new motorcycle now." It's sorta weird. It's how I ended up in California, how I ended up with 2 cats, how I ended up with the nighthawk, and now how I'm ending up with the SVS. I'm not sure how other people make decisions; I'm sort of glad that I do it more or less on auto-pilot.

My bad if this was just a rambling bit of nothing; I didn't sleep well last night and have felt pretty gross all day. I think I'll just go to bed now.


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