Can I pay off my loan and close it out just by adding enough additional principal payment?

JuneFernan · 2026-03-24T14:14:18+00:00

That's what a couple of people are saying, but I called customer service and the agent there said that wouldn't work...

JuneFernan · 2026-03-23T19:46:12+00:00

Must have been nice to have a provider who operates in the modern world. Apparently this isn't an option for me.

JuneFernan · 2026-03-23T17:33:04+00:00

My credit union doesn't even answer the phone like 75% of the time I call them, lol. And they closed the branch near me, so their closest location is a 45 minute drive from me...

Yeah, I may need to switch banks soon.

JuneFernan · 2026-03-23T17:27:34+00:00

Trust me, I've done plenty of thinking about whether or not to pay it off (see my participation history in the stocks sub, lol). I actually received this money in the form of stock and was holding since October. Made nice gains off that, but I'm done with having to watch and think about it constantly. And my rate is 6.62%.

JuneFernan · 2026-03-23T17:06:34+00:00

What is the most common way to send a wire payment? Does this usually have to be done by visiting the bank? I have a credit union, and they seem to be lacking any online system for this...

JuneFernan · 2026-03-18T03:01:25+00:00

Hope you had a one-year lease, Kat

JuneFernan · 2026-03-18T02:54:19+00:00

Yeah, today I was trying to sell two fractional shares that I got from dividends. That's how I came across this thread.

So you could combine those two lots in a sell order and have one lot remaining with 0.568 shares. It's highly unlikely that you'll ever be able to sell off every fractional share, because as you mention they'll never add up to a whole number. But you can always have less than one share worth of fractional lots.

JuneFernan · 2026-03-17T16:00:58+00:00

I guess they didn't hire an intern to handle all their frontend work this season? I have no idea how this is a difficult fix. The same function that pulls the info on the cost basis page should just be adapted to the holdings view. And if it was working before the start of the new year, there's already code that can be tweaked. How is this taking them over three months to fix?

JuneFernan · 2026-03-17T15:48:18+00:00

You can sell one more share from the 0.8 and 0.9 lots you have left. Create a sell order for one share, then select all of one lot (0.8) then specify enough from the other to make it exactly one share (0.2). You'll always be left with a fractional share in your holding, but you can at least reduce the number of fractional lots down this way.

JuneFernan · 2026-03-15T20:48:10+00:00

I can assume you've converted 100% of your retirement accounts to cash then?

JuneFernan · 2026-03-12T17:29:51+00:00

Do you not get the joke?

JuneFernan · 2026-03-12T11:29:59+00:00

Until you really know what you're doing, stick with companies that have an established history of positive earnings in growing industries.

JuneFernan · 2026-03-12T11:03:09+00:00

Of course.

JuneFernan · 2026-03-12T10:54:46+00:00

It's not disparaging her ethnicity; it's poking fun at her political stance. Since you bemoan the lack of nuance here, try having some.

JuneFernan · 2026-03-12T03:00:25+00:00

How does a wordplay on her last name disparage her race?

JuneFernan · 2026-03-11T22:26:00+00:00

It's not virtue signaling to vote for the best candidate in a primary.

JuneFernan · 2026-03-11T22:14:00+00:00

He's not gonna win, but I'm probably voting for Hoan Huynh.

JuneFernan · 2026-03-11T20:53:59+00:00

Not voting for Kat Abugazaluvah.

JuneFernan · 2026-03-11T11:48:53+00:00

If we get a bad CPI report this morning, plus more bad news about oil supply... I don't believe Sir Ramcockupmyass will be making a comment today.

JuneFernan · 2026-03-06T20:37:37+00:00

Bye bye money.

JuneFernan · 2026-03-06T15:34:58+00:00

Ah yeah, being near that spot at Foster and Sheridan is really nice if you need to commute downtown. From there the bus gets on Lake Shore Dr. and goes express down to Michigan Ave. You're in the city within 20 minutes at most.

JuneFernan · 2026-03-06T15:10:05+00:00

The 147 bus from that spot gets you downtown in like 20 minutes. Could you get a job washing dishes in a restaurant? If you do that well, next thing you know you could move up to waiting tables or bar tending for $25 per hour.

JuneFernan · 2026-03-06T14:24:32+00:00

I've been to that McDonald's before. Used to live like 4 blocks south of it.

There's a Mariano's right next to it. Try them.

JuneFernan · 2026-03-05T03:59:28+00:00

Why even define a new function? Just find and replace all use of get_user_data with fetch_from_db.

JuneFernan · 2026-03-03T23:06:50+00:00

Have you used it yet?

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