2025-08

"Could it be that I'm the only one having a bad time?" If you feel this way, it's an important SOS from your heart. This article explains the signs that kids themselves can recognize as "this might be bullying," including changes in relationships with friends and in your body and mind. It also offers hints for how to get through a tough situation.

Apple's new product announcements tend to be concentrated in specific periods throughout the year, but the format and content of these announcements change annually. Based on past examples, here is a summary of the release periods and product trends.

This simulation compares the purchase of the new Alphard using a conventional loan versus a Guaranteed Future Value (GFV) loan, assuming a ¥1 million down payment. We'll use more realistic conditions, including all fees, for a more accurate interest calculation.

At first glance, it seems that the interest on a GFV loan is calculated on the full vehicle price, just like a regular loan. However, this is where the hidden reason for the higher total cost of a GFV loan lies.

A GFV loan, also known as a Personal Contract Purchase (PCP) in some countries, is a financing method where a portion of the vehicle's value is set aside as a final payment. This allows for significantly lower monthly payments during the contract term.