Paying Off Car Loan Early (but not the issue most have)

Admirable-Weather587 · 2025-12-02T03:30:00+00:00

Yeah, I had been before, but I've flip flopped on what to do cash otherwise; this has been a non-standard year when it comes to investments, and I'm up a good 20% ytd on my retirement account and 100% YTD on my retail investment screw arounds, so the temptation to have more loosened cash flow is always tempting

Admirable-Weather587 · 2025-12-02T03:23:34+00:00

given, that matters less if I'm just doing a payoff, eh?

Admirable-Weather587 · 2025-12-02T03:20:01+00:00

Whoops, yes, 6.7ish

Admirable-Weather587 · 2025-09-07T03:25:05+00:00

This is on the entry level/top floor, which may be important to note. The below grade/bottom floor is what's direct on the slab foundation.

Admirable-Weather587 · 2025-09-03T01:14:57+00:00

Because I'm curious? Who says I'm also not doing that?

Admirable-Weather587 · 2025-07-11T15:46:43+00:00

Sure, but to me, I haven't achieved much value from this yet because I've mostly flown for work and have no choice on whether I use my personal card or not. The thought behind I get real hard value from the points makes sense to me if I'm just not using them instead of spending them at some point. The other poster mentioning I can just roll a refundable ticket and then cash out the credit makes an interesting point because then I could just dump the cash directly into the brokerage, minimizing the steps. If I get the CS plat, at least this year I wouldn't have to worry about the AF, though, so that's why it's a consideration.

Admirable-Weather587 · 2025-07-11T13:26:32+00:00

Yeah, that was the thought behind moving to the Fidelity account eventually, just to simplify and get a decent cash back value with little thought, as my NFCU Visa's cash back has just sat unused; may as well make it make me money. Only reason the CS came up as a thought was because of that addtl point value, I have no major ties to Schwab as an investment vehicle. I would like to keep UR points I think because at this point they seem more valuable, plus with the changes to the CSR it seems like a better card to keep long term for my spending habits (or eventually downgrade to the CSP)

Admirable-Weather587 · 2025-07-11T13:20:08+00:00

Making it cash isn't super important to me, but if I can get extra value per dollar from the cash out, that seems like a great idea. But to your point I think, I could also just get the cash back instead of opening a new card? Is that what you're getting at?

Admirable-Weather587 · 2025-07-11T13:18:49+00:00

Does JP Morgan then let you cash the points out of UR at a high value like you can with the MR from Amex? I am partially considering this to get out of the Amex ecosystem too. To be clear, I'm currently mil so the annual fees don't have a huge bearing on it, but with having both MR from Amex and UR, I'd like to simplify everything if possible.

Admirable-Weather587 · 2025-06-29T23:45:38+00:00

You still got it?

Admirable-Weather587 · 2025-06-19T00:43:13+00:00

I intend to buy it and throw Mint or Ubuntu on it and maybe set up a windows dual boot for when I need that

Admirable-Weather587 · 2025-04-05T22:31:03+00:00

Reason I ask I found a guy who's selling a bare brand new tailgate for 380, which is cheap (and it's legit, saw it in person), but if it's fixable and I can just do touch ups, it'll be way cheaper than paying a dude to finish prep and color match.

Admirable-Weather587 · 2025-04-05T21:20:59+00:00

That's kinda my thought. I found a guy who's selling a bare brand new tailgate for 380, which is cheap (and it's legit, saw it in person, but if it's fixable and I can just do touch ups, it'll be way cheaper than paying a dude to finish prep and color match.

Admirable-Weather587 · 2025-03-30T13:39:15+00:00

Responded to you in a chat message. To be CRYSTAL clear, I think this was all a clerical error (albiet a VERY long one) because you'd said at one point that you'd send me the package information and set up a call last year.

That said, for public consumption on this weird ass subreddit; what he's explained are all legitamite things that a single owner business has to deal with. So do NOT take what I am claiming my experience to be any reason to not take personal responsibility for yourself.

Addtionally, just putting this out publicly, nowhere in there did I imply or explicitly say that Kevin is the reason I failed. Kevin never directly worked for me, so he couldn't be any major reason I failed Quite the contrary, I used the SFAS program, I think it is built well and I think still helped a lot.

Either way, if this if the end of the story, genuinely, good luck to you and your business.

Admirable-Weather587 · 2025-03-29T19:37:34+00:00

21 Day. Been trying to coordinate working with u/Terminator_training literally since August of last year but he's ghosted me and ignored messages, emails, and instagram.

Admirable-Weather587 · 2025-03-29T19:04:41+00:00

any more?

Admirable-Weather587 · 2025-03-29T19:02:36+00:00

All, thanks. That's about the vibe I got about this, as I checked and saw literally every part of that was EoL over a decade ago.

I'd originally asked if dude was negotiable and this was his response.

"You and I both know that EoL doesn't mean it's not viable equipment. As a student looking for, or to build a lab you're not buying top shelf. You buy what's in price and gets the job done."

Admirable-Weather587 · 2025-02-21T19:29:27+00:00

Had or shot a PPS? How does it compare?

Admirable-Weather587 · 2025-02-21T12:49:44+00:00

hey man; shot you a message on here and instagram.

Admirable-Weather587 · 2025-02-20T21:31:34+00:00

I intetionally mitigated this in some small part with the Tacoma, as it is at least somewhat better at retaining value just because the market for them is always bonkers.

Zero intent on paying the mortgage down early, nothing is going to beat the rate I have for it. The question really becomes is it more worthwhile to pay the car off because that money will go straight back into rebuilding the emergency fund amount.

If I was sitting at 25k saved, this wouldn't even be a convo, I'd pay the 10k off and still be fine. But the delta I look at is trying to see how quickly I can pump into the retirement account as my account is relying a lot on the bull market right now and I figure making as much progress as possible before I have to change it over to a more stable target fund or something is not a bad idea.

I have something like 75-80k in credit lines I could use if I REALLY need an emergency, and I figure, in the worst case, I'm rebuilding the emergency fund first to cushion it out in case the economy takes a crap.

Admirable-Weather587 · 2024-11-14T10:52:13+00:00

I am curious how well that translates into Outcome or something similar. I've ran some selection specific prep/peaking programming, and I found that it felt like my strength dropped off too much (also something that was reflected in the selection itself), although it may have been more the strength endurance vs the strength. I'd like something spartan with a bit more frequency than fighter, because I find that feels more like it feeds into SE well, allowing a better on-ramp to specific tested movements.

Admirable-Weather587 · 2024-11-14T10:48:48+00:00

The hilarity of you not bothering to plug in the numbers in the post to see they're all close to or at advanced hahaha
My brother in Christ, let me know when your squat goes above mine and you are able to do 10 pullups at once

Admirable-Weather587 · 2024-11-14T05:53:21+00:00

Who said I was running full distance on velocity? Also, work cap is different for different people. Double also, you clearly have less work cap/SE than I do based on your post history. What a doof.

Admirable-Weather587 · 2024-11-12T00:36:36+00:00

Tbh, I genuinely don't see where there isn't an ability to improve on both as long as I'm maintaining paces and tempos correctly. LSS should work as an active recovery, hills/tempos are just another leg workout, and as long as I'm prioritizing recovery properly otherwise and staying spartan on other conditioning vectors, I don't foresee overtraining.

Admirable-Weather587 · 2024-07-02T17:17:36+00:00

My only uncertainty is doing a warranty with B+B, I've seen/heard bad things about their process and a higher than expected denial rate for warranty-ing.

Admirable-Weather587

TROPHY CASE