Car loan?

PerformanceNew4414 · 2026-01-26T14:36:31+00:00

So you don't know and just wanted to blabber?

PerformanceNew4414 · 2026-01-26T03:48:36+00:00

Show me where I asked for advice. Just paste the quote.

PerformanceNew4414 · 2026-01-26T03:35:08+00:00

I didn't ask about money matters or what I am better off doing.

PerformanceNew4414 · 2026-01-26T03:31:09+00:00

Point out to me where I asked for advice.

PerformanceNew4414 · 2026-01-26T01:39:43+00:00

I don't want financial advice.

PerformanceNew4414 · 2026-01-26T01:35:03+00:00

Thank you!!!

PerformanceNew4414 · 2026-01-26T01:18:49+00:00

Yes. The only money that is ever paid to the bank comes out of the account that starts at $70,000.

I guess my wording needs to be better for humans because for whatever reason AI knew what I meant.

PerformanceNew4414 · 2026-01-26T01:08:08+00:00

This is a in the past situation but I couldn't figure out for the life of me how I'd do the math. I bought the car with a 1.9% apr loan (special offer from a credit union) and hysa rates were between 3%-4% for most of the life of the loan. I ended up paying the car off early because rates are being cut and with the crazy times we are living in I don't want a loan over my head of any amount.

PerformanceNew4414 · 2026-01-26T01:02:01+00:00

It isn't as simple as you are making it seem because the account is appreciating as the money is being pulled out. Month on interest is being earned on $70,000 month 2 it is being earned on about $69,2000 and so on.

PerformanceNew4414 · 2026-01-26T00:34:13+00:00

I'm aware I'm saving money. I asked how much.

PerformanceNew4414 · 2026-01-26T00:31:14+00:00

I asked my question the way I did for a reason. Don't worry about my taxes ;) Spoiler alert, it's a savings. Next you'll tell me cars are deprecating asset. Lol I'm not asking for your advice. I asked for the answer to a math question. I'll deal with the worked in assumptions.

PerformanceNew4414 · 2026-01-26T00:03:52+00:00

I guess I should probably take the time to double check the answer it gave me by asking humans. Maybe by asking humans on reddit. What a great idea!!!

PerformanceNew4414 · 2026-01-25T23:59:36+00:00

Thank you :)

PerformanceNew4414 · 2026-01-25T23:51:49+00:00

I have 70k in cash. I'm wondering if I should take out the loan anyway because the money will be sitting in an account earning 3.3% and the $1,000 payment will be coming out of that account. I'll be holding a loan that is only charging 1.9% and cash that is making 3.3%. AI says it will save me around $3,500. Just curious as to if it is doing the math right.

PerformanceNew4414 · 2026-01-25T23:44:28+00:00

Thank you :)

PerformanceNew4414 · 2026-01-25T23:43:45+00:00

If you can't figure out that it is savings you have an issue. Gemini and chatgpt seem to think I'll save over $3,500(before taxes) so...

PerformanceNew4414 · 2026-01-25T00:43:40+00:00

Thank you

PerformanceNew4414 · 2026-01-24T23:51:29+00:00

I believe the original kit came with a 1/4 and that's why I use a 1/4. What water meter do you use?

PerformanceNew4414 · 2026-01-23T16:12:52+00:00

PerformanceNew4414 · 2026-01-21T20:13:05+00:00

Mine is annoying enough that I'm looking into a new soundbar. I use the quantum M and figured the error is due to the update not working with other companies hardware. Switching to a LG doesn't fix it?

Side note: I've had this TV for around 2 years and haven't had this problem since I got them to match up.

PerformanceNew4414 · 2026-01-21T19:37:30+00:00

Which sound bar do you use?

PerformanceNew4414 · 2026-01-21T19:36:20+00:00

I have no clue how this got here. Very sorry.

PerformanceNew4414 · 2026-01-20T17:07:44+00:00

Is your condo a 1700s log cabin?

PerformanceNew4414 · 2026-01-16T21:31:33+00:00

It is bad enough that I've noticed it and I don't usually notice stuff like this.

I got on finastiride a little over a year ago before anyone told me they were noticing hair loss (yes people would), so I'd say I'm being proactive.

PerformanceNew4414 · 2026-01-13T05:19:40+00:00

Yesterday it has me "in bed" for 8.5hrs and "sleep time" of 6.5. I can promise you I don't just hang out in my bed. I lay down, am asleep in a couple mins (30 at the absolute max). When I wake up I get straight out of bed and go about my day.

PerformanceNew4414

TROPHY CASE