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Chat Thread: Be Well

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Yah 5.5% interest rate on my new car just now hurts. Couple hundred a month in interest alone
 
My truck loan is 0%, Mortgage is 3.375% and student loans are 4.27%.

Absolutely 0 incentive to pay down.
 
i am so fuggin' glad I refinanced out our new construction loan ASAP in 2021 when the build was finished and got 2.875 locked in (it was 4.25% ARM, so I think would have shot up in these trying times)
 
but higher rates have definititely kept me from even thinking about moving anytime soon, unless we could buy something in cash basically
 
Oh I paid down all my student loans like 2 months before the pandemic when I think i woulda qualified for forgiveness and or 3 years of deferred payments.
 
Before they went to total shit and their CEO went viral, I refinanced from 3.125 to 2.5 with Better.com on a 30 year fixed. And they also paid me like $800 in lender credits. Just absolutely stupid stuff, and way lower than my company could go, even with an employee discount. I'd be at <2.5X that today.
 
What’s the point of financing something over 12 months if you have the cash? Since whatever you are using to pay over the period of time would have just gone into the savings anyways. Just to keep savings because you can?
 
tigerswood said:
Before they went to total shit and their CEO went viral, I refinanced from 3.125 to 2.5 with Better.com on a 30 year fixed. And they also paid me like $800 in lender credits. Just absolutely stupid stuff, and way lower than my company could go, even with an employee discount. I'd be at <2.5X that today.
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Oh yeah I used them too, they had my bank options beat easily, it was super easy as well
 
Louis Gossett Jr said:
What’s the point of financing something over 12 months if you have the cash? Since whatever you are using to pay over the period of time would have just gone into the savings anyways. Just to keep savings because you can?
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Oooooooh man, some finance bro is about to let you have it. I'm too lazy to give you a math example, but it's always better to take free money if a creditor will give it to you (assuming it won't ding your credit too much).
 
cookoutdeac said:
i am so fuggin' glad I refinanced out our new construction loan ASAP in 2021 when the build was finished and got 2.875 locked in (it was 4.25% ARM, so I think would have shot up in these trying times)
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We have a car loan at 0% and our mortgage is at 2.875% that went down from like 4.3% in 2021.
 
About to pick up 13 pieces of clothing from the new dry cleaner - 5 pants, 8 shirts. Small stains on 2 of the shirts. Anybody want to play high/low on how much they will charge me? I’m going $40, high or low?
 
Is it bad that I often times walk my tab at bars? The 20% tip they automatically add is often cheaper than what I would leave.
 
tigerswood said:
Oooooooh man, some finance bro is about to let you have it. I'm too lazy to give you a math example, but it's always better to take free money if a creditor will give it to you (assuming it won't ding your credit too much).
Click to expand...

I mean available emergency savings is probably in something that’s easy to move so at best you are looking at like 3% interest so a couple hundred saved, I guess better than nothing.
 
myDeaconmyhand said:
About to pick up 13 pieces of clothing from the new dry cleaner - 5 pants, 8 shirts. Small stains on 2 of the shirts. Anybody want to play high/low on how much they will charge me? I’m going $40, high or low?
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low....so low

but what do I know. I'm just a run of the mill poster. not a legend.

I'd like to compare those legends advanced metrics (87% posrep. LEGENDARY!!!!)
 
what kind of shirts and why didn't you just wash them yrself
 
One weird thing is that dry cleaners here are waaaay more expensive than DC. I guess since I’m DC people prob use them more and there’s one every couple of blocks in neighborhoods.

The one near me here that we used recently turned into a vape store.
 
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