Geocentric model the coordinate system in order to predict the motions of planetary bodies, though doing so may make calculations easier to perform or interpret. A geocentric coordinate system can be more convenient when dealing only with bodies mostly influenced by the gravity of the Earth (such as artificial satellites and the Moon), or when calculating what the sky will look like when viewed from Earth (as opposed to an imaginary observer looking down on the entire solar system, where a different coordinate system might be more convenient). The Ptolemaic model of the solar system held sway into the early modern age;
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