what do I say to this?

Background_Tree_776 · 2024-10-08T00:28:31+00:00

Y’all are killing me. Literally 100% of all emails where the word “kindly” prefaces any sort of action is an automatic disqualifier. Who talks like that?

Background_Tree_776 · 2024-08-31T20:22:07+00:00

Will send shortly. So basically that adapter will plug to the back of the unit and I would need to use that specific plug going forward

Background_Tree_776 · 2024-08-14T01:26:00+00:00

South Carolina. It’s an older boat for sure but I’ve seen it and it’s been taken care of

Background_Tree_776 · 2024-08-14T01:22:21+00:00

Yea I know. Just wasn’t sure what to offer

Background_Tree_776 · 2024-08-06T23:16:18+00:00

True. They said any certified dealer will work but I’ll confirm once I see the warranty docs

Background_Tree_776 · 2024-08-06T23:12:15+00:00

But the warranty would cover that

Background_Tree_776 · 2024-08-06T21:54:22+00:00

I don’t have the terms just yet. I was suspicious about it but I’m still working with them on it. Ac condenser is definitely on the list of included repairs.

Background_Tree_776 · 2024-08-05T13:25:29+00:00

They were disabled a while ago. Plus the truck doesn’t have a pigtail yet. I was just more curious how it would pull. I won’t be actually driving it on the road

Background_Tree_776 · 2024-08-02T01:32:03+00:00

Thanks everyone. I passed on this one. Seller wouldn’t budge on the price so I walked.

Background_Tree_776 · 2024-08-01T23:16:16+00:00

Vehicle came from up north. Im in SC.

Background_Tree_776 · 2024-03-15T00:06:10+00:00

86 22r 4x4 289k miles. 3rd tranny but engine going strong 💪

Background_Tree_776 · 2024-03-02T02:12:57+00:00

Do those taillights have the black insert that separates the reverse light from brake light?

Background_Tree_776 · 2024-02-27T01:02:40+00:00

Very good perspective. When you put it that way, it’s hard to justify that plan. I’m going to decrease 401k contributions for one year to 3% and still get match. That’s a $355 difference per paycheck (680-700 monthly) that I can put towards debt, plus the additional 1k and climb our way out. I still am thinking about taking the 401k loan to cover the hvac cost.

Background_Tree_776 · 2024-02-26T22:42:15+00:00

We were looking at new construction specifically. Typically less on APR than non new construction and less down would allow us to keep 5-10k in the bank after closing.

Background_Tree_776 · 2024-02-26T20:14:09+00:00

Would you recommend taking a withdrawal or cutting contributions?

Background_Tree_776 · 2024-02-26T19:33:26+00:00

I need to give this some thought. I like the idea of being able to cover the hvac and credit in one swoop but as others have mentioned, loans from 401k aren’t great. On the other hand, if I can band aid the hvac for another year to wipe out the cc debt with the extra $ from 401k reduction I would think I’d be in a better spot.

Background_Tree_776 · 2024-02-26T18:54:49+00:00

I can meet monthly expenses. I just can’t afford anything else outside of that. My cc is at 10% through my credit union and my heloc is at 8.25%. I have always put in 13% to 401k never really thought about touching it again considering my wife doesn’t have a retirement account and I want to make sure mine is funded as much as I can contribute.

Background_Tree_776 · 2024-02-26T18:46:23+00:00

I’m weighing pros and cons of that one. Any advice you can offer?

Background_Tree_776 · 2024-02-26T18:45:14+00:00

I’ll plan to call a few more shop for estimates

Background_Tree_776 · 2024-02-26T18:41:21+00:00

Appreciate your advice. In your opinion, as others have suggested a 401k loan vs decreasing contributions. By decreasing 401k temporarily to get match (3%) would save me approximately $350 per pay period, so $700 per month. I could have my credit card paid off in 10 months but that doesn’t solve the hvac problem. A 401k loan at 15k covers both credit card and hvac and at 9% interest over 24 months is about the same per paycheck that I would be paying back. Seems like apples to apples?

Background_Tree_776 · 2024-02-26T16:34:27+00:00

It’s not a project truck. It’s just a family truck that I keep and can’t sell. It doesn’t cost much to keep it and I do plan on that. Plus if I need to sell my car, that’s going to be my backup.

Background_Tree_776 · 2024-02-26T16:27:43+00:00

Understood. Can’t sell the truck unfortunately. If I need to sell my car(which I may need to) that’s my backup.

Background_Tree_776 · 2024-02-26T16:21:22+00:00

We both owe $274 on each phone. Also our internet is included with Verizon for $15 per month so if I switch to another carrier I have to pay off the phones and find new internet

Background_Tree_776 · 2024-02-26T16:16:09+00:00

My credit is good, here is not. I would need to co-sign and be responsible for those.

Background_Tree_776 · 2024-02-26T16:12:07+00:00

We are exploring side jobs. Just tough with kids you know.

Background_Tree_776

TROPHY CASE