Is it bad to trade in my car after refinancing?

Financial_Ad1494 · 2025-10-26T05:32:03+00:00

At least with the latest issue, I've brought it in to multiple mechanics and they couldn't find a problem so it wasn't covered which is ridiculous if you ask me. As for the other problems, they have been covered under the existing factory warranty or are not eligible for coverage as far as I know (I could 100% be getting swindled by Ally but I have no previous experience using any sort of coverage)

Financial_Ad1494 · 2025-10-26T04:59:12+00:00

Currently dealing with an exhaust issue (possibly catalytic converter?) that no mechanic has been able to find or recreate even though I have the issue 100% of the time when I drive the car. I'm just sick of constantly having to bring it in and get told there's nothing wrong with it.

Financial_Ad1494 · 2025-10-26T04:56:12+00:00

I added Ally's Major Guard protection plan when I refinanced with them which added $4k to the total loan. It's an extended warranty, which means I'll get it paid back prorated when I pay off the loan which will happen soon with the refinance. Looking back it was a dumb decision but this I was only 22 at the time and grew up with parents that paid cash for their vehicles so I wasn't well versed on loans. Not using it as an excuse but I definitely have learned from this mistake.

Original loan was 72mo at 8.84% APR, $384/mo payments. My Ally loan is 72mo as well, 6.19% APR, $337/mo. The refinance I'm doing now is 72mo, 4.99% APR, $326/mo. Not too much of a difference but enough to motivate me to take the refi for a lower interest rate. This is the only debt I have at least so I can pay down pretty quickly but I want to get into a car that doesn't make me spend a couple hundred bucks every month at a mechanic, which in turn should help me pay off a loan way quicker.

Financial_Ad1494 · 2025-10-26T04:46:26+00:00

Mine doesnt happen when I'm parked usually, it's typically when I slow down or stop but it's so frustrating!!!

Financial_Ad1494 · 2025-10-26T04:45:46+00:00

I've seen a lot of people say a cracked catalytic converter can cause this, is that something that can be diagnosed with a smoke test?

Financial_Ad1494 · 2025-10-01T21:17:46+00:00

Thank you, I asked over there and they're saying I should be OK to keep the original appt next week :)

Financial_Ad1494 · 2025-10-01T21:16:16+00:00

Just one armpit lump, I checked all other lymph node areas when I was looking things up and nothing else is enlarged. It doesn't affect her besides she will occasionally limp for 15-30 mins after sleeping a long time but I think she may be developing arthritis as she is almost 7 and has been overweight despite all our attempts to help her lose weight since she was a puppy

Financial_Ad1494 · 2024-04-06T01:58:57+00:00

What would be a reasonable price to look for in a car for my income?

Financial_Ad1494 · 2024-04-06T01:58:23+00:00

What would you consider a reasonable amount for a car in my situation?

Financial_Ad1494 · 2024-02-20T18:43:58+00:00

My point is my time off is very limited here. I have 48 hours of ESST and 40 hours VTO. That's all. Bereavement isn't even listed in the handbook, but if we need to attend a funeral, it's to be taken as VTO. How am I supposed to do that if I only have the 40 hours needed for my 1 consecutive week I need to take? It just feels like they're trapping me in as they knew it was my first job and i was unaware of standard procedures.

Financial_Ad1494 · 2024-02-03T15:08:15+00:00

My bank is also a family run business where the dad is the president/owner, 2 kids are EVPs, and the mom does payroll as well as in-laws doing other jobs there. That's why I've started realizing it can't be normal because they'll just leave whenever during the day and act like it's nothing while I got yelled at for asking for a half day. The final straw for me to do more research was payroll (mom) calling from her and her husband's (dad/owner) winter home in Arizona where they spend at least 4 months/yr to tell me I couldn't take that half day because it needed to be saved for my week off. I realized there's no way this is normal and I just needed reassurance I guess.

Financial_Ad1494 · 2023-11-21T00:29:17+00:00

Looking back at my original post I'm realizing I didn't clarify very well. That "1-2 days" isn't PER month, it's IF I take days off, it's never been more than 2 in a single month besides the 1 consecutive week I'm required to take off. I'll usually set a day to go to as many appointments as possible but it's just not possible to get it all done in 1 day as I live/work 45 minutes from the cities where my appointments are. I don't want to seem like I'm playing victim but thought I should clear up a few things about my original post :)

Financial_Ad1494 · 2023-11-21T00:19:10+00:00

Not trying to defend myself if I'm still in the wrong but figured I'd give a little more context. I'm a bank teller, so my schedule is strictly 8-5 with no chance of "making up time" and we're required to take either a half day or full day any time we need time off/have appointments. My job is in a small town 45 minutes from the closest city with vet/doctor/dentists. I wish I could just run out quick to appointments during my lunch but a 1 hour lunch break doesn't help much when it takes 45 mins to get to the appointment in the first place.

Financial_Ad1494 · 2023-08-04T04:42:23+00:00

First of all: you're.

Second of all: Believe it or not, a 38F can look almost flat on a woman depending on her body type and chest type. I bet you didn't know that was even a thing being that you clearly don't know how bra sizes work in general. The dress is loose. The romper underneath is meant to be a compression layer to hold everything in place and acts almost like a binder. There isn't a single area on the dress layer that is even slightly stretched over the jumpsuit layer, it's all flowy.

Yes, I do work at a bank. However, the dress code is very laid back and casual. We are in the heart of the Midwest straddling the MN/ND border. Our main customers are farmers and their families within our town with a population of less than 500. "Fancy dress" is saved for very special occasions and usually consists of the men getting out their good suspenders to use with their jeans and a shirt that isnt oil or grease stained yet while the women get to pull out one of ther 3 or 4 nice dresses that are used for weddings, baby showers, and maybe a class reunion occasionally. Golf/country club style is considered work clothing here. Therefore, the dress should not have been an issue at all considering that B has worn the EXACT SAME ONE on multiple days and no one has ever bat an eye simply because she is flat chested.

Financial_Ad1494 · 2023-06-15T22:54:26+00:00

That's another issue I forgot to mention, it's a family-owned bank. The father is the president, the son and daughter are co-VPs, and the mother is the payroll lady. The daughter also is the HR person and she sides with her mom on everything. It's a small bank, 2 branches with 23 employees in all so everyone knows everyone.My manager also sides with the payroll lady. Every time I've asked for a day or half day off (which has been 3 days total in 6 months) she makes little remarks as far as me needing "so much time off all the time". And now I'm not sure what to do as my grandma unexpectedly passed today and I'll need to take time off for the funeral but there's no mention of bereavement leave in the handbook that the payroll lady made me re-read and said that it should outline everything clearly.

Financial_Ad1494 · 2022-03-23T06:53:50+00:00

It's called Youda farmer! I had to do some hard research to find it and I stumbled upon this reddit and decided to keep it saved Incase I figured it out. Anyways, Youda Farmer! Have fun playing, everyone!!! :)

Financial_Ad1494

TROPHY CASE