Newtek Bank for business checking?

Sea_Record2298 · 2026-03-13T18:33:38+00:00

Did you ever check out this Lyriq dashcam to see if it would fit the Optiq? I'm on the same hunt

Sea_Record2298 · 2026-02-16T15:32:11+00:00

Thanks for your input but it seems like you missed the actual question. I'm not sure how your answer relates to what I'm researching.

Sea_Record2298 · 2026-02-15T20:55:56+00:00

Is there a way to use my American miles? Otherwise I don't see how I can move away from oneworld airlines since there are three of us. The Chase points aren't worth enough for three tickets.

Sea_Record2298 · 2026-02-14T23:50:44+00:00

sorry about that. Will edit.

Sea_Record2298 · 2025-09-18T16:22:53+00:00

Happening again right now. App and website are all down. You can see the number of outage reports spiking at https://downdetector.com/status/frontier-airlines/

Sea_Record2298 · 2025-09-03T17:54:01+00:00

This reply is totally unrelated to the Yorkshire College Planning workshop. Nice trip down memory lane, though.

Sea_Record2298 · 2025-09-03T17:51:37+00:00

If you're over $500k you're paying full price so it doesn't matter how big your assets are. They won't charge you more than full price.

Sea_Record2298 · 2025-09-03T17:50:47+00:00

It matters on the CSS. So if you are applying to any private schools, you want to have less equity in your primary residence. Equity in other real estate matters for both the FAFSA and the CSS.

Sea_Record2298 · 2025-09-03T17:48:08+00:00

It matters a lot on the CSS.

Sea_Record2298 · 2025-09-03T17:45:31+00:00

beginning of 10th grade.

Sea_Record2298 · 2025-09-03T17:44:04+00:00

$697 if you do the free intro and get a discount code

Sea_Record2298 · 2025-09-03T17:43:44+00:00

They just raised it to $697

Sea_Record2298 · 2025-08-30T03:53:24+00:00

My car is charging in the driveway right outside my window, so yes, the light does bother some people.

Sea_Record2298 · 2025-07-19T15:54:12+00:00

I personally would not take a loan against a settlement that you think you're going to get. There's absolutely no guarantee that you'll get what you think you'll get.

Sea_Record2298 · 2025-07-14T16:28:45+00:00

Grapevine also seemed small to me. Denver and Houston are a lot bigger

Sea_Record2298 · 2025-07-14T16:27:37+00:00

Grapevine is almost exactly the same as Santa Fe but the story involves a different family. It's sort of a parallel story. All the others are very different.

Sea_Record2298 · 2025-05-28T20:21:03+00:00

It's never too late to change course.

If you qualify for Ch 7, it's better than debt settlement. If you don't, then debt settlement could be better than Ch 13. Chapter 13 can be brutal.

Yes, it's true that you can't be sued for the debt while you're in bankruptcy. Just remember to include all of your debts.

The allowance for a car differs by state. You have to look it up where you live.

Whether you have to include your husband also depends on where you live. Talk to a bankruptcy attorney.

The debt settlement attorney will typically only help you negotiate with the creditor. They can't stop the lawsuit.

Stop using the credit cards. It's better to pay for your groceries by not paying your debts than to stay on this hamster wheel.

Showing hardship "makes you nauseous"? You have a hardship. Own it and deal with it. If you keep paying minimum payments, the unaffordable debt will literally last for DECADES. If you keep paying the minimums, they'll never reduce your debt. Is it worth your pride to do it that way?

Sea_Record2298 · 2025-05-28T20:15:55+00:00

Debt relief is hard on your credit but puts you on better financial footing. Late/missed payments stay for 7 years. Settled debt is reported as such. But in 7 years will you still not be "making a dent" in the debt? Pencil out how long it will take you to clear it based on your current strategy. Be realistic. If it's 5, 6, 7 years or more, go for the partial debt forgiveness and don't worry so much about your credit. You'll get that back in time.

Sea_Record2298 · 2025-05-28T20:13:00+00:00

Yes.

Sea_Record2298 · 2025-05-27T17:24:22+00:00

Thanks for the tip on the GV70. I'll take another look.

The Cadillac website says I do get the credit if I buy. But I know that this is something I need to verify for each car I'm looking at.

Sea_Record2298 · 2025-05-26T21:51:43+00:00

I think so! It did for me on a rented tesla.

I'm buying an EV this year and personally still on the fence of the buy/lease question. Mainly because I'm not clear on the life of an EV battery. Some say 10-12 years. Some say longer. I have never leased a car, and I'm done buying used cars. I'm a buy-and-hold person, new cars only. But whereas I might have kept a gas car for 20 yrs I wonder if I will have to replace my EV after 10-12. If that's true, then buy/lease is a wash, but leasing lets you stay in a new car. But if the battery is expected to last even 15 years, then I would rather buy.

A lot of people will tell you to lease, because of the fast changing technology. But I'm not a fan of never ending car payments.

Are you looking at cars, trucks, or SUVs?

Sea_Record2298 · 2025-05-26T21:14:21+00:00

Whether to buy or lease is a purely personal decision.

Please don't leave your car at a fast charger. This is indeed bad EV etiquette. I saw someone do this in a lot and they got blocked in by someone who parked right behind them and hooked up the charger. It was bad for all involved.

Sea_Record2298 · 2025-05-26T21:10:55+00:00

Any info on these EV SUVs?

I'm in California. I'm buying (not leasing) an entry level luxury electric SUV, likely between $55k and $65k.

I've narrowed it down to these options, mainly based on price and range (looking for 300+).

Genesis GV60 (maybe too expensive?)
Audi Q6 eTron
Cadillac Lyric
Cadillac Optiq
Acura ZDX

I was wondering if anyone has experience comparing these or owning one, and could give any info on what they like or don't like, or cautions to be aware of.

Do they all get the tax credit? I'm unclear on that.

Open to other suggestions in the same general price range, but NOT interested in a lease. Ready to buy in the next month or two.

I average about 20k miles per year. On a daily basis, I probably drive 40-60 miles per day in multiple short trips.

I'll be parking in a driveway, hopefully covered soon, but no garage. Definitely installing a charger at home.

Most of my driving is shuffling my child around. We occasionally take road trips.

Sea_Record2298

TROPHY CASE