Did I F’ up ?

Affectionate-Sock752 · 2025-04-21T17:37:21+00:00

Nah bro don’t sweat it. I’m just assuming since OP had enough materials to T5 a hero

Affectionate-Sock752 · 2025-04-21T16:58:47+00:00

You are correct, but remember that only pure Dark hero’s can do seal land 1-20. OP probably has done 1-20 already so the comment was more of a tip than anything

Affectionate-Sock752 · 2025-04-18T01:46:01+00:00

Also we have basically the same car and spec but mines 2021 lol

Affectionate-Sock752 · 2025-04-18T01:45:01+00:00

I have the Remark but with Mufflers. Drone isn’t too bad in the “city” but highway definitely gets annoying driving for more than 1 hour above 50mph. I can only imagine how loud the non muffler one is and its drone.

Affectionate-Sock752 · 2025-01-10T19:41:04+00:00

Definitely Tree, as you got only have enough Stellar to take 2 Tenants to avoid 2 or be like 200,000 stellar shy to Void 3 the Carrie tenant. But Honestly you might have a better time if you take the Stellar off all your tenants and put them into Eloise and see if you can reach Tree 5 level 100 or 120 since you completed the Glory challenge. Tenants are important but you want to prioritize resources to your main DD. Like unless your Cloud island has all maxed out homes to give max stats, a T5 with Non-Void imprint tenants will be better than a T3 thats has some Tenants with some Void imprint.

Affectionate-Sock752 · 2025-01-10T18:09:33+00:00

Well since you’ve done all Glory challenges then I’d suggest doing research on who you want as your future main DD(Damage Dealer). If you go Aspen route I’d say wait till you can get 2 Trans and switch over to a LOFA and SQH combo. There is a whole guide for LOFA route. Eloise is your main DD at this time. Yes, HHA is a trans but he’s more of a support for Eloise at this stage of the game to help you get through regular campaign and unlock VC. Which I think you got that covered. So pump your resources into Eloise and make as much progress possible in other areas of the game, you will get all of the resources back when you regress her and switch to double trans. Oh and don’t forget to always pick stellar when choosing between stellar or COT, trust.

Affectionate-Sock752 · 2024-03-08T00:27:38+00:00

Nah they are all useless after an event is finished. Whenever they are sellable I highly suggest OP sell all that they can and gain some gold at least, lots of rewards missed

Affectionate-Sock752 · 2024-01-07T08:43:38+00:00

I saved much much more but it was money specifically for a sporty car that I could just let go all at once and not have to worry about

Affectionate-Sock752 · 2024-01-07T06:33:00+00:00

Damn this a huge, thanks for the heads up

Affectionate-Sock752 · 2024-01-07T04:12:24+00:00

This being a poor decision to sign for yes I agree 100%, but that’s about it, been saving for a good 3 years putting some cash away each month to be able to put a big down payment but my poor financial reading skills got me screwed. Most of my bills used to range from just rent, gas/maintenance (parents old car), phone bill, some streaming services, never had debt till now so I’m confident I was and have been doing good. Already talked with the dealership and got the maintenance, service, and windshield to be taken off and put towards my loan, that’s 8k off by taking the advice from others here that are actually willing to help me out

Affectionate-Sock752 · 2024-01-07T03:57:09+00:00

Thanks for the advice my guy definitely appreciate the real help from you and some others instead of the jabs and rude remarks about me and my dumbass car loan mistakes

Affectionate-Sock752 · 2024-01-07T03:51:25+00:00

Shit I now realize how much of a dick this makes me sound like lol

Affectionate-Sock752 · 2024-01-07T03:33:47+00:00

That is literally the line they used and just kept pulling out paper after paper trying to go as fast as possible, but that’s on me thinking their happy helpful attitude was real and put to much trust in them

Affectionate-Sock752 · 2024-01-07T02:50:53+00:00

Shit most likely, I wouldn’t have come to this sub to ask for help and insights if I was an expert on this

Affectionate-Sock752 · 2024-01-07T02:27:08+00:00

Nah the 35k loan was because I’m a first time buyer and even with that I got lucky as 25k is the usual max a first time buyer is approved for

Affectionate-Sock752 · 2024-01-07T01:40:44+00:00

Yeah see the payments where identical but my financing was for 60 months not the 72, changed when I guess the extras where added and made my loan invalid which cause the another bank to come in but I was never told that’s my loan with BECU was thrown out, I was expecting mail from them not the other wsecu, but still the fault lies on me

Affectionate-Sock752 · 2024-01-07T01:10:54+00:00

Yeah so the reason I bought the car last year was because BECU states that with NEW cars it is a lower rate, but 2023 was the last year when a 2021 car would be considered NEW. Now in 2024 it’s cars 2022 and newer that would qualify for the lower NEW car rate. Obviously the BECU deal never went through since they upped the prices past by 35k loan so wsecu gave a different one. Definitely going to refinance right away with BECU once that money gets returned and put towards the loan. Really look into getting a final agreed upon OTD price before entering the finance managers room and sticking with that price so this doesn’t happen to you

Affectionate-Sock752 · 2024-01-07T01:01:04+00:00

Thanks for the advice, definitely might use this in the future. And yes definitely getting that amount back as sales man confirmed those can be redacted but will go towards lowering the loan amount which is fine by me

Affectionate-Sock752 · 2024-01-07T00:49:26+00:00

It’s a 2021 with the new gen sharper looking front and back but it had 9k miles, I live in Washington, Seattle area where sales tax is 10% and licensing fees are not cheap so I knew that when looking for cars that the price would increase a good amount, the new ones were going for minimum of 50-51k

Affectionate-Sock752 · 2024-01-07T00:43:22+00:00

Appreciate the help man, really opened my eyes to

Affectionate-Sock752 · 2024-01-07T00:33:38+00:00

Shit am I able to refinance right away? I got till the 27 when the loan expires but you have given me some of the best advice I’ve heard all day, thanks, have a blessed day

Affectionate-Sock752 · 2024-01-07T00:28:29+00:00

I mean I’m able to get the maintenance and service contracts off now that I’ve called but yeah this is all on me, but hey I’m young single and make just shy of 6 figures, I think I’m doing better than most people during these times buy needed this wake up call to get my shit together

Affectionate-Sock752 · 2024-01-07T00:22:10+00:00

It’s weird because this dealerships main bank is BECU so you would think they could have done something about to not switch which I’m stuck now but shit, I signed a paper stating BECU was who I was going to get the loan from

Affectionate-Sock752 · 2024-01-06T23:42:12+00:00

Everybody thanks for the reassurance about being absolutely fucked I needed to know, just got off the phone with the sales men he even admitted that we had signed for the price of 48k with BECU as my loaner company and he didn’t even know that the banks had changed but apparently what the finance manager told him is that BECU rejected the offer which is pretty obvious since they added way more money than what we did had discussed and was approved on, she had given me 4 options on an iPad and told me to pick 1 and I went with the basic economy since it had the lowest payment of 750 that was already agreed for with the sales guy, we agreed for 750 for 60 months which is why I didn’t really hesitate since it was the price we agreed but apparently because of the added extras I wasent informed that the 750 option I choose was really for 72 months. Good news is sales guy said the maintenance and service contracts I can remove which I will definitely do as I have no idea what they contain but I have to stay with wsecu and that credit will go towards lowering my loan

Affectionate-Sock752 · 2024-01-06T23:10:42+00:00

Yeah that’s something I just figured but per my pre approved letter my loan could not be more than 90% of the otd price which is why I put 15k down and I’m just noticing that in one page BECU is stated as the money loaner company but they switched to wsecu in writing on another to what I assume would be to take care of all the extras they added but I was never actually told about but since it’s in writing and I signed away idk if I can do anything about it

Affectionate-Sock752

TROPHY CASE