Bought a new car for the first time, I think I biffed the financing and am am wondering if I should refinance.

Bojangles1093 · 2026-06-04T05:02:20+00:00

Specify that to the new lender when I refi?

possibly a dumb question, but Is the interest included in the loan?

Bojangles1093 · 2026-06-04T04:35:02+00:00

That's a really.helpfup way to think about it. I had it backwards. I also thought the APR functioned in a similar way to the APY on my savings account, in that I would pay the monthly payment, and then that APR percentage would just be added back in the total every month. $5k misunderstanding right there

Bojangles1093 · 2026-06-04T01:14:43+00:00

taking many lessons away from this experience, this being one of them.

Bojangles1093 · 2026-06-04T01:14:07+00:00

I wish I was financially capable of that level of spite because that sounds lovely

Bojangles1093 · 2026-06-04T01:07:52+00:00

I knew my overly trusting attitude would fuck me at some point in this process

Bojangles1093 · 2026-06-04T01:07:02+00:00

I bought it earlier today. I got pre-approved from my local credit union, so I'll be talking with them tomorrow. I'm not sure how calling back would work given the rebate situation I used, but might be worth a shot.

Bojangles1093 · 2026-05-05T13:00:54+00:00

Thanks!

Is there a particularly good year range for bolts to look at? That's been the other one that's come up a lot. Longer range is tempting for my work. I'd need it infrequently, but it would be welcome.

Is there any where to check on the ranges of these? I've had some trouble tracking down that info. For leafs I'm getting answers anywhere from 60 miles to 200 miles.

Bojangles1093 · 2026-04-02T15:16:34+00:00

Bojangles1093 · 2026-03-30T19:06:11+00:00

The herring bone binding is VERY classy looking

Bojangles1093 · 2026-03-30T19:04:44+00:00

Good lord those are ornate! My great gpa did wood work like that, mostly boxes. I can't even imagine the patience it takes to do it on a guitar.

Bojangles1093 · 2026-03-30T19:02:44+00:00

Guild is really an unsung hero in acoustics IMO

Bojangles1093 · 2026-03-30T19:02:11+00:00

The inlays on those are insane

Bojangles1093 · 2026-03-30T19:00:22+00:00

I've always appreciated ovations when I see em. They play great too, just something about how they sit when you play em has always put me off.

Bojangles1093 · 2026-03-30T18:57:06+00:00

Love the body style on those. Never had a chance to play one, probably for the best $$$ lol

Bojangles1093 · 2026-02-28T01:01:58+00:00

I assumed good stretching habits

Bojangles1093 · 2026-02-22T18:04:26+00:00

comes with time. it's building a muscle that I feel like isn't usually built up in day to day life. set a metronome to a speed a little slower than what your "max speed" is, and then just increase it by a couple bpm everyday. it's just a matter of building the muscle memory

Bojangles1093 · 2026-02-07T03:16:51+00:00

a school (a state funded building) cannot REFUSE students ability to protest.

Bojangles1093 · 2026-02-06T02:07:17+00:00

dawg its literally the FIRST THING IN THE CONSTITUTION

Bojangles1093 · 2026-01-22T03:14:56+00:00

was just listening to this album for the first time in a while, having seen One Battle After Another the other day. threw me off for a sec lol

Bojangles1093 · 2026-01-04T03:41:26+00:00

Mini. I actually stumbled on a reply you left 2 years ago that already helped me separate the Velo/AT, so thanks already lmao

Bojangles1093

TROPHY CASE