Tuesday, May 20, 2025

Lease - keep your down payment low because your lease amount is the Same

 If you have great credit and plenty of cash, it is generally better to keep your down payment low when leasing a car rather than making a large down payment like $10,000. Here’s why:

  • Lowering your monthly payment with a large down payment does not reduce the total cost of the lease.Whether you put $0 or $10,000 down, the total amount paid over the lease term is about the same—the down payment just shifts when you pay, not how much you pay overall24.

  • Leasing does not build equity. Unlike buying, you do not own the car at the end of the lease, so a large down payment is not recouped56.

  • Risk of loss if the car is totaled or stolen. If the vehicle is wrecked or stolen early in the lease, your down payment may not be fully reimbursed, even if you have GAP insurance6.

  • Most experts recommend putting as little down as possible on a lease, only enough to meet the required upfront costs and keep monthly payments manageable567.

Bottom line: With strong credit and sufficient cash, you should generally keep your lease down payment to the minimum required. This approach protects your cash and reduces risk without increasing your total lease cost24567.

Citations:

  1. https://www.toyotaplace.com/finance/buying-vs-leasing/
  2. https://www.reddit.com/r/askcarsales/comments/1dft3w1/why_no_down_payment_for_a_car_lease/
  3. https://cars.usnews.com/cars-trucks/car-loans-and-leasing/car-lease-calculator
  4. https://www.edmunds.com/car-leasing/should-you-make-a-down-payment-when-you-lease.html
  5. https://www.autotrader.com/car-shopping/whats-right-down-payment-car-loan-or-lease-212702
  6. https://www.lithia.com/research/car-leasing/should-you-make-a-down-payment-when-you-lease-a-car.htm
  7. https://www.dmautoleasing.com/blog/pros-and-cons-of-a-down-payment-on-a-car-lease/
  8. https://www.victorysanbruno.com/buying-vs-leasing/

Answer from Perplexity: pplx.ai/share

 

Does Capsaicin Affect Birds?

Birds are largely unaffected by capsaicin, the compound responsible for the "heat" in chili peppers that causes burning sensations in mammals.

Biological Basis

  • Birds lack the specific capsaicin-sensitive TRPV1 pain receptors found in mammals. While both birds and mammals have heat-sensitive TRPV1 channels, only the mammalian version responds to capsaicin, making birds immune to its burning effects136.

  • As a result, birds cannot taste or feel the irritation from capsaicin, and it does not cause them discomfort or pain23489.

Practical Implications

Wrinkled Bhut Jolokia chili peppers in varying stages of ripeness, including red and orange, growing on a plant
  • Capsaicin is often added to birdseed to deter mammals like squirrels and raccoons, as they find it unpleasant, while birds eat the treated seed without issue3578.

  • Studies and anecdotal evidence indicate that capsaicin does not harm birds or damage their mouth, eyes, or digestive tract37.

  • Birds can consume even the hottest peppers, such as the Carolina Reaper or Bhut Jolokia, without adverse effects2.

Evolutionary Perspective

  • The insensitivity of birds to capsaicin is thought to be an evolutionary adaptation. Chili plants benefit when birds eat their fruit and disperse the seeds, as birds do not destroy the seeds during digestion, unlike mammals1356.

  • This mutual relationship helps chili plants propagate while deterring seed-destroying mammals.

Safety Considerations

  • There is no evidence that capsaicin causes direct physical harm to birds. Commercial capsaicin-treated bird foods have been used for years without reports of negative impacts on bird populations37.

  • Some sources note that while birds are immune to the pain of capsaicin, the possibility of other, subtle health effects has not been entirely ruled out, though no empirical data suggests harm310.

Summary Table

Effect of Capsaicin on BirdsDescription
SensationNo burning, pain, or irritation
TasteCannot taste capsaicin
Digestive ImpactNo evidence of harm or discomfort
Use in Bird FeedSafe and effective for deterring mammals, not birds
Evolutionary RolePromotes seed dispersal by birds, deters mammals

Conclusion

Capsaicin does not affect birds in the same way it affects mammals. Birds are immune to its burning and irritating effects, making it safe for them to consume spicy peppers and capsaicin-treated foods. This unique insensitivity is both a biological and ecological adaptation that benefits both birds and certain plants12368.

Citations:

  1. https://www.reddit.com/r/askscience/comments/1bvliuj/are_birds_completely_immune_to_capsaicin/
  2. https://www.perkypet.com/articles/why-birds-are-immune-to-the-burn-of-hot-peppers
  3. https://winnipeg.wbu.com/hot-pepper
  4. https://eugene.wbu.com/birds-and-hot-pepper
  5. https://en.wikipedia.org/wiki/Capsaicin
  6. https://pubmed.ncbi.nlm.nih.gov/11853675/
  7. https://www.reddit.com/r/spicy/comments/iv6yw6/birds_cant_taste_capsaicin_but_is_it_still_bad/
  8. https://npic.orst.edu/factsheets/capgen.html
  9. https://www.youtube.com/shorts/Pw3gFL-YcCI
  10. https://www.birdwatchersgeneralstore.com/hot-pepper-bird-seed-is-not-worth-the-risk/

Answer from Perplexity: pplx.ai/share

Sunday, May 18, 2025

First They Came by Pastor Martin Niemöller

 First They Came by Pastor Martin Niemöller

First they came for the Communists

And I did not speak out
Because I was not a Communist

Then they came for the Socialists
And I did not speak out
Because I was not a Socialist

Then they came for the trade unionists
And I did not speak out
Because I was not a trade unionist

Then they came for the Jews
And I did not speak out
Because I was not a Jew

Then they came for me
And there was no one left
To speak out for me


 The piece of poetry you are referring to is First They Came by Pastor Martin Niemöller. This poem is a powerful reflection on the consequences of remaining silent in the face of injustice and persecution. It was written after World War II by Niemöller, a German Lutheran pastor who initially supported the Nazis but later became an outspoken critic and was imprisoned in a concentration camp.

The poem is famous for its repetitive structure, describing how Niemöller did not speak out as various groups were targeted by the Nazis-Communists, Socialists, trade unionists, and Jews-because he was not a member of those groups. The poem concludes with the haunting realization that when they finally came for him, there was no one left to speak out for him123456.

A commonly cited version of the poem reads:

First they came for the Communists
And I did not speak out
Because I was not a Communist

Then they came for the Socialists
And I did not speak out
Because I was not a Socialist

Then they came for the trade unionists
And I did not speak out
Because I was not a trade unionist

Then they came for the Jews
And I did not speak out
Because I was not a Jew

Then they came for me
And there was no one left
To speak out for me145.

This poem is widely recognized as a warning against the dangers of apathy and the moral imperative to stand up against oppression, even when it does not directly affect oneself.

Citations:

  1. https://hmd.org.uk/resource/first-they-came-by-pastor-martin-niemoller/
  2. https://poemanalysis.com/pastor-martin-niemoller/first-they-came/
  3. https://encyclopedia.ushmm.org/content/en/article/martin-niemoeller-first-they-came-for-the-socialists
  4. https://en.wikipedia.org/wiki/First_They_Came
  5. https://www.amnesty.org.uk/files/2019-01/First%20They%20Came%20by%20Martin%20Niem%C3%B6ller_0.pdf?l6HOtWW1N8umC_ELxnQI6NpaAYbxRCJj=
  6. https://www.reddit.com/r/history/comments/ezhh9x/first_they_came/
  7. https://yasminnair.com/first-they-came-for-the-criminals/
  8. https://www.reddit.com/r/Poetry/comments/n2bgfc/poem_first_they_came_by_martin_niem%C3%B6ller/
  9. https://www.paih.org/first-they-came-the-poem-of-protest
  10. https://truah.org/resources/first-they-came/

Answer from Perplexity: pplx.ai/share

Tuesday, May 13, 2025

Fwd: Epic Cycles Hendersonville replied to your review on Google


Pete 🤓 and Zeke 🐶

Begin forwarded message:

From: Google Maps <google-maps-noreply@google.com>
Date: May 13, 2025 at 11:20:42 AM EDT
To: peteandtess@gmail.com
Subject: Epic Cycles Hendersonville replied to your review on Google
Reply-To: Google Maps <google-maps-noreply@google.com>

 Google my Business

A business you reviewed has responded to your post

Google
Epic Cycles Hendersonville
Epic Cycles Hendersonville replied to your review
Thank you for posting a review on Google.
Mr. Pete
Mr. Pete
5 stars
Ricky was interested and helpful right from the start. I explained that I had. Recumbent Trike with a jammed derailleur. He advised me to bring it into their shop. He assessed the situation immediatel...
Epic Cycles Hendersonville
Response from the owner
Thank you so much for the kind words and for trusting us with your needs. Ricky's love for bicycles shows through his work daily. We are so lucky to have him. Thank you!
See reply
Map
Keep exploring,
The Google Maps Team
This email was sent to you because a business has replied to your review. If you don't want to receive such emails in the future, please unsubscribe here.
Google
© 2025 Google LLC 1600 Amphitheatre Parkway, Mountain View, CA 94043

Thursday, May 1, 2025

Is Hendersonville a better place to live than Asheville NC?

 


 

We chose Hendersonville over Asheville and Greenville 15 years ago and very pleased with our choice. Your tour pretty much illustrates this advantage in that Everything you want or need is basically on one Main Street from coffee shops to great restaurants, antique and curiosity shops. I had no idea, until I saw Mike’s observation, that Hendersonville’s Main Street was gaining empty store fronts. To the contrary I dine in different restaurants every week from the two New Mexican restaurants near 1st ave as well as West First oven Pizza to Mezzaluna, my favorite and Black Rose, now the Social Club and Black Bear Coffee in the morning and Kilwinns Ice cream for dessert.  Aroma Indian is now an instant favorite. For great camping equipment and clothing you have Mast General between 5th and 6th. Back to the 1st Avenue end you have Mountain Trading Co. for a great selection of “Billy Strings” instruments right across from the historic courthouse and the frozen yogurt shop. I’m not a big traveler but I come from NYC and I’ve been to New Orleans to Atlanta to San Diego and other big cities. Hendersonville is the greatest place to actually live and enjoy life. Now with the Oklawaha trail being joined with the new Ecusta Trail,  Pisgah Forest right up the road in Brevard with DuPont Forest in between and Carl Sandburg Home in Flatrock… this place, this town, this region, is heaven and oh yeah Asheville is right up I-26. There are 1000 Reasons to Love Hendersonville! https://1thousandreasons2lovehendersonvillenc.blogspot.com


Wednesday, April 16, 2025

STAT: RFK Jr. calls rising autism rates a crisis. Researchers call it a “good sign.”


RFK Jr. calls rising autism rates a crisis. Researchers call it a "good sign."
A new federal report suggests that U.S. autism rates are rising modestly, an increase that health researchers said reflected expanded diagnostic tools and access to care, among other factors. But health secretary Robert F. Kennedy Jr. instead has pointed to the data as evidence of a growing crisis.

Read in STAT: https://apple.news/ASOwSgUVQTl-ta3xeHW1RVg


Shared from Apple News


Pete

Monday, April 14, 2025

Fwd: Russia fires on Ukrainian city in deadliest attack of the year


Pete

Begin forwarded message:

From: CNN's 5 Things AM <5things@newsletters.cnn.com>
Date: April 14, 2025 at 7:40:50 AM EDT
To: peteandtess@gmail.com
Subject: Russia fires on Ukrainian city in deadliest attack of the year
Reply-To: CNN's 5 Things AM <5things@newsletters.cnn.com>


Ukraine … Pennsylvania arson … Deportations … Social Security … Helicopter crash …