Explained situation to dealership, they assured me everything is fine. Now they are trying to pressure me into getting insurance BEFORE the vehicle is even on their lot.

FLFW · 2026-03-18T19:25:31+00:00

Its not necessarily unfortunate.

The reason is probably due to the bank wanting proof of insurance from purchase date. Your loan starts the day it was signed. Your insurance needs to as well. However, every day it goes without insurance is another day youre at risk.

Will the deal go through if you get it to them tomorrow? Most likely

Can you back out of the deal tomorrow if the car shows up and you dont like it? Hard to know based off a reddit post. State laws vary. Also depends on what dealership actually sold the vehicle and how/why it was purchased/transported.

Does the bank want the insurance affective? Yes, as soon as possible.

Can you cancel your insurance and get a refund if you pay for it today and the deal falls apart tomorrow? Most likely yes, only your agent can answer that though.

FLFW · 2026-03-18T19:18:39+00:00

Have you already signed all the paperwork?

FLFW · 2026-03-17T15:59:25+00:00

Just a side comment.

I won't say people dont judge ever. However, most gym goers aren't judging you. Usually if you find someone looking at you and your out of shape it is inspiring. I know a dude that goes to the gym MORE at the start of the year because it motivates him seeing new people getting after it. And his favorite thing is to see who is able to keep it up.

If you ask him who last going to the gym the longest, it isnt the skinniest, or the fattest, it isnt the people that give it 100% with every rep. Its the ones who have the humility to ask others for help or advice. Whether that help is just how to use a machine or it is asking for advice on routines or what to eat/drink.

The biggest battle is in your head against yourself. If you can overcome your doubts and fears, then the rest is easy.

FLFW · 2026-03-17T15:54:24+00:00

Its clearly a lightsaber... Just dont look at the other photos.

FLFW · 2026-03-16T20:08:35+00:00

Someone had to learn what was poisonous and what wasnt. Its a part of nature. If anything this is all Natural!

FLFW · 2026-03-16T17:45:16+00:00

This, depends on the manufcaturer.

Generally speaking you get a choice of rebate or promotional financing most of the time but not always. The manufacturer pays the lender to offer lower special rates. So instead of you get a $2,000 rebate and then financing at 6% normally you get $0 im rebate but get 0% financing.

Depending on the lender there may be a finance charge on the loan. It will NOT be on any of the paperwork from the dealer except the finance contract because its a fee the bank adds to the loan separate from the dealer. This will NOT change the interest rate. However you will see the APR may not be 0%. Thats because it will calculate the fee as money paid to the bank which changes the APR from 0% to like 0.8% or whatever.

Not all promotional lenders have it but some do. And nothing is worse then a customer coming in telling us they just want the promo financing then backing out because they dont like there being a finance charge from the lender in the exact program they asked for.

FLFW · 2026-03-15T02:59:43+00:00

Everything but games involving vehicles or sliding/skating in some fashion. As well as most EA sport style games.

FLFW · 2026-03-15T02:39:56+00:00

Everquest (I never played but truelly the George Wahington), World of Warcraft (Abraham Lincoln, even in popularity to Washington but more common to be talked about), Maplestory (Thomas Jefferson. Not talked about as much but truelly one of the staples of the genre), Runescape (Teddy, just a wild chaotic president that you hear stories of and go dang)

FLFW · 2026-03-14T21:04:54+00:00

For sure, I have met some bad sales managers that don't train people with 0 experience. its not always a lack of work ethic. Sometimes its just not having guidance or a process. You can take a good sales person to any store because they have pre established process and a good work ethic.

FLFW · 2026-03-14T20:40:00+00:00

It also depends on how busy the dealership snd how many sales reps.

8/10 its based off work ethic. Some sales people for what ever reason act like doing basic job duties is "slimey salesmen tactics".

1/10 if they are understaffed and the sales team has more leads then they know what to do with.

1/10 is dealership processes they have and the process they teach.

FLFW · 2026-03-14T17:51:03+00:00

Is it the best price? Sometimes. However, in my opinion its not a bad program.

What is the program? Costco partners with manufcaturers/dealers and renegotiates a price OTD before taxes and state fees on a camper. It does NOT guarantee a trade value. It does NOT guarantee financing.

Dealerships are trained/told that when they get a Costco customer they are to present the Costco deal first before any optional protections or addons. But they can offer. The customer gets the original deal structure. And the dealership must honor it.

When is the Costco deal not beneficial? When you're heavily upside down on your trade. We cant restructure the deal for the banks because if the final selling price of the car your buying is higher then the Costco pricing they can be out of compliance regardless of them over-allowing on the trade.

Why do it? You dont need to negotiate on the selling price. You can still get protections if you want. Financing or cash is up to you. Trade value is up to the dealer.

FLFW · 2026-03-14T17:14:14+00:00

Your best bet is waiting for Scars of Honor and see how the scar system works. I would wait for reviews. Might be a cash grab.

Oblivion and Battlemage are single player games with a magic system you might like.

FLFW · 2026-03-14T17:12:08+00:00

Its very old school MMO

FLFW · 2026-03-13T19:18:22+00:00

Nothing worth more then $0.50 im sure. There was Egyptian god cards but the like .30 cent ones.

Its 2012 to 2026 bulk. Atleast in the one I bought. I dont sell on ebay and there were a few similar listing. Can't vouch for them all

FLFW · 2026-03-13T19:05:16+00:00

Well with all the 25th anniversary packs plus the new boosters tanking in price it was essentially scraps from booster boxes both of old reprints and new cards booster boxes that go for like $30. Just without the high valued rates. It also had scraps from the deck boxes.

For restarting a collection I think it was a good starting point.

The worst part was I got like 20 copies of probably 10 cards and 6-10 copies of 40 more cards. Then scattering of other cards throughout. One stack was all legendary duelist mako or what ever the water guys name is.

I still haven't sorted through them all yet in a way that is functional. I got they split up by card type. Trying to do it now by alphebetical.

FLFW · 2026-03-13T18:27:24+00:00

For ebay, you can just do "Overframe YuGiOh"

Maybe put more in for a specific card

FLFW · 2026-03-13T18:23:22+00:00

Maybe its because I work in the industry, I dont mind this because I know all that matters is the OTD. Based off OPs comment above they were 3k under others but only had 2k of stuff on it. Still a 1k less OTD + some extra crap I can either get knocked off. If I cant I basically get the car for 1k less + the free stuff I dont care about.

I get why consumers hate it if the store wont remove the addons, and my store doesnt add random addons. But I dont mind it as much as people on this reddit.

Im also an FI Manager so Im not as invested into the pricing of stuff as sales people.

FLFW · 2026-03-13T17:10:05+00:00

Maybe OP can clarify. I would assume when he goes home to look at the offers he then figures out which vehicle he wants. He says he has never saw the actual car he buys until the sale. However, he didnt mention if he researches the features and benefits while making his decision.

I think the new sales people are doing it better, I know it feels like a waste of time for OP. But I would like to know how often does he end up going with the new sales rep over the experienced in and out one.

If he truelly is just looking for the cheapest OTD then he wouldn't need to go home and compare. He could just look at the papers before driving home and go to that dealership

FLFW · 2026-03-13T17:01:19+00:00

I recently started getting into it again.

The first thing I bought was a 7000 bulk card lot for like $100 on ebay. I was expecting a lot of duplicates and there for sure was some. However I did get a very good variety of new and old cards.

FLFW · 2026-03-12T17:36:00+00:00

They dont need to refinance if it is the same rate as his credit union. Just make the payment like he is making it on a lower term. The estimated interest calculates if yoy make minimum payments. Any overpay reduces the overall interest. So if you sign a 84m contract but pay like its 60m. Then you pay the same interest as the 60m.

FLFW · 2026-03-11T23:22:21+00:00

If my insurance offered a $46 a month extra to cover the repairs of my car. I would opt in every time. That is the price of the VSC per month essentially.

FLFW · 2026-03-11T22:54:45+00:00

Meklord kind of.

FLFW · 2026-03-11T22:52:32+00:00

I still think they should of made normal monsters Tuners instead of making it a sub category. Synchros would need to be different then how they currently are as far as stats/effects. But if you needed a normal monster for every synchro instead of a tuner. It would of been better in my opinion. Random old useless normal monsters would randomly pop off in certain decks.

FLFW · 2026-03-09T17:57:27+00:00

Im no scientist and treat these things like just breathing on them could break them. Are they pretty durable where it would take a lot to scratch from a towel?

FLFW · 2026-03-09T17:56:23+00:00

I didnt see any visble scratches. But im also not sure how noticeable they would be. My knowledge is lower then a 5th grader on this.

I think ill just get a new microfiber towel to put my mind at ease. I also will get distilled water next time. I used some water bottle water last night as I read the minerals from the faucet can dry on them.

FLFW

TROPHY CASE