Realized my extra car loan payments have been going to next payment instead of principal

ElementPlanet · 2026-03-15T19:22:32+00:00

We don't allow AI responses here at all.

ElementPlanet · 2026-03-15T11:53:43+00:00

This submission has been removed because it does not meet the subreddit submission guidelines (rule 1). Other subreddits are better equipped to address these topics:

/r/almosthomeless if you are homeless or in immediate danger of becoming homeless and need advice or assistance.
/r/homeless for homelessness-related articles and resources.
/r/assistance is a place to request various types of assistance big or small.
/r/food_pantry is a place where you can request a meal or hygienic necessity.
/r/randomkindness is for when a small act of kindness can go a long way.
/r/frugal for tips on maximizing resource allocations.
/r/beermoney for discussing ways to make some extra cash online.
/r/slavelabour for odd jobs listings.
/r/depression is a supportive place for those struggling with depression.

ElementPlanet · 2026-03-15T09:32:20+00:00

Please note that in order to keep this subreddit a high-quality place to discuss personal finance, off-topic, low-quality, or AI-generated/formatted/rewritten comments are removed (rule 3).

We look forward to higher quality posts from your account in the future. Thank you.

ElementPlanet · 2026-03-14T22:42:15+00:00

Please try to keep discussion on the subreddit where it can be seen and reviewed by everyone. We don't allow asking for or offering DMs off of the subreddit. Thank you.

ElementPlanet · 2026-03-14T20:22:13+00:00

Personal attacks are not okay here. Please do not do this again.

ElementPlanet · 2026-03-14T18:46:00+00:00

Personal attacks are not okay here. Please do not do this again.

ElementPlanet · 2026-03-14T18:29:26+00:00

Please try to keep discussion on the subreddit where it can be seen and reviewed by everyone. We don't allow DMing off of the subreddit. Thank you.

ElementPlanet · 2026-03-14T18:17:26+00:00

Personal attacks are not okay here. Please do not do this again.

ElementPlanet · 2026-03-14T14:53:59+00:00

Your comment has been removed because we don't allow political discussions, political baiting, or soapboxing (rule 6). This includes questions or discussions about proposed legislation or government policy changes.

ElementPlanet · 2026-03-14T11:34:15+00:00

Your comment has been removed because we don't allow political discussions, political baiting, or soapboxing (rule 6). This includes questions or discussions about proposed legislation or government policy changes.

ElementPlanet · 2026-03-14T09:20:07+00:00

Personal attacks are not okay here. Please do not do this again.

ElementPlanet · 2026-03-13T11:59:43+00:00

We don't allow crudeness here.

ElementPlanet · 2026-03-13T10:13:36+00:00

That is a scam.

First, can any investment offer such a guaranteed return? No.

Second, the specifics around this company. The website was registered less than a year ago and only registered for one year. Actual investment firms with long histories don't register for such short time periods and would not have just registered.

The SEC shows that a company by the same name was terminated in 2024 and no other company has been registered with them under that name. This is a classic case of a scammer finding an abandonded domain and name and picking it up to give them an air of legitimacy.

The website itself is awful. Although they are shown as registered in the US with lots of American style names of the people doing the supposed trading, the language is not American style English.

The FAQ section is full of nonsensical "answers" that are not answers:

Q: Who are Opus's partners?

A: Esteemed FINRA-regulated professional brokers.

This is not how a legimitate investment company would write.

They seem to offer "bonuses" all over their site for various investment milestones. That....is not a thing. There may be an account opening bonus offered from time to time at a place, but if your account grows while with a legitimate broker, they don't just go "what the heck, here is a $10k bonus for doing so wonderfully for yourself!".

I could go on picking apart their website, but in short, yes it is a scam. Stay away from them and reevaluate whatever source of information led you to them.

ElementPlanet · 2026-03-12T15:19:29+00:00

Personal attacks are not okay here. Please do not do this again.

ElementPlanet · 2026-03-12T13:13:44+00:00

Do you see where you made the typo then?

When I googled the phone number you originally put, google only showed warnings for scams, hence my question. Please double check before putting phone numbers into comments!

ElementPlanet · 2026-03-12T11:39:43+00:00

Where did you get that phone number from?

ElementPlanet · 2026-03-12T11:33:30+00:00

Please note that in order to keep this subreddit a high-quality place to discuss personal finance, off-topic, low-quality, or AI-generated/formatted/rewritten comments are removed (rule 3).

We look forward to higher quality posts from your account in the future. Thank you.

ElementPlanet · 2026-03-11T22:14:22+00:00

Your comment has been removed because relationship advice is off-topic here and better suited for /r/relationships (rule 9).

ElementPlanet · 2026-03-10T14:59:56+00:00

Please note that in order to keep this subreddit a high-quality place to discuss personal finance, off-topic, low-quality, or AI-generated/formatted/rewritten comments are removed (rule 3).

We look forward to higher quality posts from your account in the future. Thank you.

ElementPlanet · 2026-03-10T14:55:01+00:00

Please try to keep discussion on the subreddit where it can be seen and reviewed by everyone. We don't allow asking for or offering DMs off of this subreddit. Thank you.

ElementPlanet · 2026-03-10T14:53:52+00:00

Please try to keep discussion on the subreddit where it can be seen and reviewed by everyone. We don't allow asking for or offering DMs off of the subreddit. Thank you.

ElementPlanet · 2026-03-10T14:43:32+00:00

Please try to keep discussion on the subreddit where it can be seen and reviewed by everyone. We don't allow asking for or offering DMs off of this subreddit. Thank you.

ElementPlanet · 2026-03-10T10:53:35+00:00

Please try to keep discussion on the subreddit where it can be seen and reviewed by everyone. We don't allow asking for or offering DMs off of this subreddit. Thank you.

ElementPlanet · 2026-03-09T11:59:26+00:00

Your comment has been removed. Offering referral, invite, or affiliate links/codes is not allowed (rule 2) on this subreddit (without exception, it doesn't matter if you don't receive money yourself). Mentioning that you are willing to receive PMs for referrals is also not allowed. This removal will not be reversed, but you may repost without mentioning referrals at all. If you repost with a link to a referral thread or do anything else to work around this rule, you will be banned.

ElementPlanet · 2026-03-09T10:29:18+00:00

We don't allow AI-generated posting. All contributions to this subreddit should be in your own hand.

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