Geocentric Coordinate Time system. When the Earth is at perihelion in January, TCG ticks even more slowly than it does on average, due to gravitational time dilation from being deeper in the Sun's gravity well and also velocity time dilation from moving faster relative to the Sun. At aphelion in July the opposite holds, with TCG ticking faster than it does on average. Geocentric Coordinate Time Geocentric Coordinate Time (TCG - Temps-coordonnée géocentrique) is a coordinate time standard intended to be used as the independent variable of time for all calculations pertaining to precession, nutation, the Moon, and artificial satellites of the Earth.
Term loan with the market, which can be good or bad for you depending on what happens with the global and national economy. Since some term loans last for 10 years, betting that the rate will stay consistently low is a real risk. Also, consider whether the term loan you are looking at uses compound interest. If it does, the amount of interest will be periodically added to the principal borrowed amount, meaning that the interest keeps getting higher the longer the term lasts. If the loan does use compound interest, check to see if there are any penalties for early repayment