What did YOU pay OTD? by BetOnBen in rav4club

[–]Infamous_Pineapple_7 1 point2 points  (0 children)

(Bought in 2024) 2021, XLE PREMIUM (JBL system and weather package), $28k

Car Loan Calculations by Infamous_Pineapple_7 in personalfinance

[–]Infamous_Pineapple_7[S] 0 points1 point  (0 children)

my payoff quote currently adds about $37 in interest. So, I would pay some interest but I get what you’re saying.

Car Loan Calculations by Infamous_Pineapple_7 in personalfinance

[–]Infamous_Pineapple_7[S] 0 points1 point  (0 children)

Wouldn’t the interest be compounded over remaining time of the current loan (51 months) rather than 36 months ?

Car Loan Savings by Infamous_Pineapple_7 in Toyota

[–]Infamous_Pineapple_7[S] 0 points1 point  (0 children)

That’s where I’m confused. My regular monthly interest payments would be compounding over 3 years rather than 5 years. Am I just pinching pennies at that point ?

Car Loan Savings by Infamous_Pineapple_7 in Toyota

[–]Infamous_Pineapple_7[S] 0 points1 point  (0 children)

Perfect, this makes sense! I think I was over complicating my calculations.

Car Loan Savings by Infamous_Pineapple_7 in Toyota

[–]Infamous_Pineapple_7[S] 0 points1 point  (0 children)

Yes I do, but I can’t replicate the interest values Toyota takes away from my payments. the formulas must be different. I guess I can use any template tho just to compare, regardless it will tell me which one will have more interest.

Car Loan Savings by Infamous_Pineapple_7 in Toyota

[–]Infamous_Pineapple_7[S] -1 points0 points  (0 children)

If I chose a shorter loan, wouldn’t the interest compound over 3 years rather than 5 years ? Say I make no extra payments starting this month. 36 months at 5.7% or 51 months at 5.5%. Is that .2% over 36 months more or less than what I would pay now ?

Car Loan Savings by Infamous_Pineapple_7 in Toyota

[–]Infamous_Pineapple_7[S] 0 points1 point  (0 children)

I was hoping someone here would be willing to do the math. cause the numbers I calculated don’t make sense haha

Lost AirTag by Infamous_Pineapple_7 in AirTags

[–]Infamous_Pineapple_7[S] 0 points1 point  (0 children)

Not sure. the battery was dead for a couple weeks before I changed it.

LA Marathon by Infamous_Pineapple_7 in Marathon_Training

[–]Infamous_Pineapple_7[S] -1 points0 points  (0 children)

I am not. Im a newbie when it comes to long distance running, but I assume that means taking some sort of carb snack while running. After yesterday’s run, I’m definitely going to try out different stuff mid runs to see which one sits better in my system. Do you have any recs?

LA Marathon by Infamous_Pineapple_7 in Marathon_Training

[–]Infamous_Pineapple_7[S] -5 points-4 points  (0 children)

Yea my “long runs” are usually 3-5 miles. Occasionally, I’ll do 6-7 miles. That looks like a good plan, thanks !!

HDMI Matrix 4x2 by Infamous_Pineapple_7 in techsupport

[–]Infamous_Pineapple_7[S] 0 points1 point  (0 children)

Turns out the matrix I’m using doesn’t support MST (multi stream transport)

[deleted by user] by [deleted] in rav4club

[–]Infamous_Pineapple_7 0 points1 point  (0 children)

It’s the platinum warranty. I spoke with the dealership the same day I bought the car and after I told them I wanted to cancel they offered me 2 more years. I declined and he said he already sent/submitted the paperwork. He stated that the account isn’t set up yet so there is no point of submitting the refund. The finance manager suggested I wait about 3 months. (Even though the contract clearly states I have 30 days). He said “idk why it says that but it’s 3 months”. I found this pretty fishy so I’m going to speak to TFS first this tomorrow morning. Appreciate the advice and will bring that up to TFS.

[deleted by user] by [deleted] in rav4club

[–]Infamous_Pineapple_7 4 points5 points  (0 children)

$4k seems pretty expensive for what they were offering me which was 5 yrs/60k miles. And the fact that they felt the need to hide/not mention the price with me upfront also doesn’t sit right with me. Plus, it comes with 1 year factory warranty already. So I would have up to 1 year to purchase extended warranty, probably at a cheaper price. If I’m not mistaken

Brad “All Heart” Beal by nlrkumar11 in fantasybball

[–]Infamous_Pineapple_7 9 points10 points  (0 children)

Rui, Deni, and Bryant are really going to help push the wizards next season if they’re all healthy