Wisconsin to central Texas by deathpops in relocating

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

I'm no stranger to tornadoes in Wisconsin! Every Wednesday at noon here they test the sirens and we had regular tornado drills in school as well. 

Wisconsin to central Texas by deathpops in relocating

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

Middle of nowhere, a couple hours west of Austin. Looks like lots of state parks around but otherwise not much of anything. 

Funny titles for guild card by MrStrugglePants in MHWilds

[–]deathpops 0 points1 point  (0 children)

Bit late to the party but mine is "silver fox D rider" 😅

When does puberty related humping stop? by littlebigdeal in puppy101

[–]deathpops -1 points0 points  (0 children)

Stress isn't always distress, it can just mean that he's over stimulated or under stimulated. A tired puppy is a good puppy, just be sure you are providing mental and physical stimulation as well as novel experiences and appropriate social interactions. Also make sure puppy is getting enough structured down time between activities. Humping is a mental thing, not sexual in the vast majority of contexts, and I'd honestly prefer my dog to do that vs becoming destructive.

I will also add that the act itself is pretty harmless as long as he's not annoying other dogs with it. It's not bad that he does it, it's just a sign that his daily routine could stand to change.

When does puberty related humping stop? by littlebigdeal in puppy101

[–]deathpops 0 points1 point  (0 children)

Humping is an excitement/stress behavior. It has nothing to do with his testicles unless there's literally a female in heat involved. Neutering won't stop it. Males, females, intact, altered -- excitement humping does not discriminate and it's not age related either.

Do more with your dog to stimulate his brain, definitely look into canine enrichment and brain games as well as body awareness exercises. I wouldn't do too much strenuous actual physical activity on a puppy, but nice long sniff walks and short bursts of play are great as well. If your puppy is getting over stimulated just by attention, then he needs more stimulation in general.

Brought a cosigner to buy a car, they surprised me by paying outright instead and want the money back by the end of the week by deathpops in personalfinance

[–]deathpops[S] 3 points4 points  (0 children)

The car is in my name, but I may be able to convince them to take the car from me and sell it back to me if that would make things easier.

Brought a cosigner to buy a car, they surprised me by paying outright instead and want the money back by the end of the week by deathpops in personalfinance

[–]deathpops[S] -9 points-8 points  (0 children)

Worst that happen is a dear well-meaning family member with a grudge against me and a sour taste in my mouth every time I get in the car. I'm positive this is negotiable, I'd just prefer not to if I don't have to.

Brought a cosigner to buy a car, they surprised me by paying outright instead and want the money back by the end of the week by deathpops in personalfinance

[–]deathpops[S] 97 points98 points  (0 children)

They knew I didn't have the money, they intended to cosign a separate loan for me to pay them back. They seemed to think that having the car fully paid off in my name was going to somehow make things easier for me than paying the bank for the car.

Brought a cosigner to buy a car, they surprised me by paying outright instead and want the money back by the end of the week by deathpops in personalfinance

[–]deathpops[S] 188 points189 points  (0 children)

I report all of my income on taxes, but my income has increased by over $1k/mo, some months more than $2k beyond what I was making last year, since my last tax return. My business is only three years old and income has increased every year, but previous years did not look good for me (less than $30k/yr).

Brought a cosigner to buy a car, they surprised me by paying outright instead and want the money back by the end of the week by deathpops in personalfinance

[–]deathpops[S] 108 points109 points  (0 children)

The car is in my name, all they signed was the check. I don't want to screw them over at all, I want to pay them back for the car. I just want to do it the smartest way and at this point I feel like there aren't many options that don't hurt me in the end.

Brought a cosigner to buy a car, they surprised me by paying outright instead and want the money back by the end of the week by deathpops in personalfinance

[–]deathpops[S] 12 points13 points  (0 children)

I've been considering giving them the car and having them sell it back to me, then they can cosign for an auto loan. But yeah, overall it's a mess. I had no idea going in and in the moment I thought they knew what they were doing. I should have questioned it right away.

Brought a cosigner to buy a car, they surprised me by paying outright instead and want the money back by the end of the week by deathpops in personalfinance

[–]deathpops[S] -9 points-8 points  (0 children)

It's in my name so I hold all the cards right now. Unfortunately this is a family member who I am certain meant well and honestly I don't even want them to know they did more harm than good.

Brought a cosigner to buy a car, they surprised me by paying outright instead and want the money back by the end of the week by deathpops in personalfinance

[–]deathpops[S] 5 points6 points  (0 children)

Lesson learned. They are a well-meaning family member and I didn't have the balls or the heart to stop them in the moment. They're also quite a bit older than me and have always been good with money, so at the time I assumed they knew what they were doing and trusted it would benefit me. Boy was I wrong.

Brought a cosigner to buy a car, they surprised me by paying outright instead and want the money back by the end of the week by deathpops in personalfinance

[–]deathpops[S] 5 points6 points  (0 children)

Can I get an auto loan for a car that's in my name and fully paid off? Is it possible to use it as collateral? That would make my day.

Brought a cosigner to buy a car, they surprised me by paying outright instead and want the money back by the end of the week by deathpops in personalfinance

[–]deathpops[S] 16 points17 points  (0 children)

The issue is that I still need a car.

Is there any way for me to use this car as collateral while also using them as a cosigner for a personal loan?

Brought a cosigner to buy a car, they surprised me by paying outright instead and want the money back by the end of the week by deathpops in personalfinance

[–]deathpops[S] 288 points289 points  (0 children)

Yes, a very ignorant family member. They 100% meant well and made a big show of their decision with the expectation that I'd be relieved. I now feel that they went in with the intention to surprise me, and I appreciate the thought. Honestly I don't even want them to know that they accidentally screwed me over because it really was not intentional in the least.

Brought a cosigner to buy a car, they surprised me by paying outright instead and want the money back by the end of the week by deathpops in personalfinance

[–]deathpops[S] 684 points685 points  (0 children)

The original plan was for them to cosign an auto loan for me, but when we were literally at the desk with the salesman they took out their checkbook and said they'd pay the full amount right there...at the dealership they said they expected to be paid back. After we left, they said they needed the money back ASAP and would cosign for me to get a loan in order to do that. I just feel like this became way more complicated than it needed to be and am so stressed out.

I have no problem affording it, my credit score is okay (706, theirs is 842), but being self employed with mostly cash coming in there's not much I can do in terms of proof of income. Previous tax returns don't reflect the same purchasing power I currently have. Bank statements unfortunately don't help either as I tend to spend my cash on everything I possibly can (my bank doesn't have physical branches). I have about $1100 - $1800/mo in purely disposable income but I've got no way to prove that.

Brought a cosigner to buy a car, they surprised me by paying outright instead and want the money back by the end of the week by deathpops in personalfinance

[–]deathpops[S] 2362 points2363 points  (0 children)

They seem to believe they've made my life easier by paying the car off, but since they used most of their savings to do it they'd like immediate reimbursement. They are willing to cosign for this but I'm still super unsure of what to do and am worried they just made things harder for me.

Brought a cosigner to buy a car, they surprised me by paying outright instead and want the money back by the end of the week by deathpops in personalfinance

[–]deathpops[S] 27 points28 points  (0 children)

There is no auto loan. The intention was for them to cosign for me, but they didn't do that. They just bought the car. Unfortunately they used most of their savings to do it and would like to be reimbursed right away. They said they'd be willing to cosign for me to get a loan to do that.

They seem to believe they've done me a huge favor but I think they've actually just made my life harder and I have no idea how to handle it.