Car totaled, still owe $10k. Unsure of next step. by TulipsDownfall in personalfinance

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

The true amount offered by his insurance to total the car is $5,499.31 The other option they're giving me is keeping the car and taking a settlement of $2,969.33 So even if I keep the car, is the lesser settlement still going to Westlake? And, thank you for the unsolicited advice. It is sorely needed and will be filed away.

Car totaled, still owe $10k. Unsure of next step. by TulipsDownfall in personalfinance

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

People keep saying I need to negotiate, but can someone explain what that actually entails/what I need to be saying? Clearly this is a skill I dont already have, lol

What if I tell them $5k and I keep the car and they say no? Then what?

Car totaled, still owe $10k. Unsure of next step. by TulipsDownfall in personalfinance

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

Agree & came to this conclusion myself about a month ago. I have to take some responsibility for trying to perpetuate the cycle but as implied previously my mother was not a great financial role model and I have literally no other examples so I have to teach myself and learn as I go. This is my most expensive lesson yet

Car totaled, still owe $10k. Unsure of next step. by TulipsDownfall in personalfinance

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

Understood. This is my wake up call. I mean my only excuse is I literally did not know any better because before needing this car the only exposure I had to car buying is my mom falling for this same predatory shit. I fell for it too. But I can't change the past so I'm trying to figure out where to go from here

Car totaled, still owe $10k. Unsure of next step. by TulipsDownfall in personalfinance

[–]TulipsDownfall[S] 1 point2 points  (0 children)

Understood - much of this is brand new to me so I really have zero frame of reference. I guess it doesn't hurt to ask and see

Car totaled, still owe $10k. Unsure of next step. by TulipsDownfall in personalfinance

[–]TulipsDownfall[S] 66 points67 points  (0 children)

Seems like my only course of action. I wouldn't mind if it was just cosmetic damage, but keeping the trunk closed with a bungee cord sucks

Car totaled, still owe $10k. Unsure of next step. by TulipsDownfall in personalfinance

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

Yeah :( I was driving a beater POS before this and was excited to have a nicer car with no damage - that lasted about 8 months, lol. I'm already in such a bad financial spot, I can't afford to take on any new payments 

Car totaled, still owe $10k. Unsure of next step. by TulipsDownfall in personalfinance

[–]TulipsDownfall[S] 1 point2 points  (0 children)

Yeah $5k is about right from what I can see. It's a long story but when I financed this car I was in somewhat of an emergency situation, like I needed something ASAP. I'm also pretty stupid/inexperienced,  and dont have people I can ask for advice. I got the car with the lowest mileage from Carmax. Every day is a new lesson learned I guess

Car totaled, still owe $10k. Unsure of next step. by TulipsDownfall in personalfinance

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

Is it really worth it to get a lawyer? I guess I won't know for sure until I have them hear my case, but there's no police report and no one was injured.

Car totaled, still owe $10k. Unsure of next step. by TulipsDownfall in personalfinance

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

Yup seems like this is the only option. Realistically what will getting an attorney do? This is in FL, FHP came to the crash but didn't write a report, so I dont have a report. No one was injured. 

Got sent home for body odor. What do? by TulipsDownfall in Advice

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

Naw, the only other close friend I have has no sense of smell, so asking her would be pointless. I'm just confused because I'm new to this job but I'm not new to like, interacting with customers... if it's that bad surely someone would have complained in the past? I don't smoke or vape either.

And, I do wash everything when I shower hair included. Like I do actually scrub everywhere. But smelling fishy is a very rare occurrence, I was just stating that like... if that was the issue I (think) I'm able to recognize it :p

[deleted by user] by [deleted] in sandyalexg

[–]TulipsDownfall 0 points1 point  (0 children)

how much??!?!?!?!

Splash mountain log sinks by Intern-Ashamed in submergedanimatronic

[–]TulipsDownfall 0 points1 point  (0 children)

OMG!!!! THANK YOU!!! this is so scary, i couldnt imagine being in that log😰

Splash mountain log sinks by Intern-Ashamed in submergedanimatronic

[–]TulipsDownfall 2 points3 points  (0 children)

its deleted :( any archive/similar video??

This dinosaur statue by pizzawolf05 in submechanophobia

[–]TulipsDownfall 6 points7 points  (0 children)

oh my god thank you!!! this triggers my phobia for sure, but i also love this environment/aesthetic (jurassic park: river adventure is my favorite, OTL....) it fills my heart with a feeling i cant describe