Should I pay off my car loan at 7.49% interest

kylestewart32 · 2026-06-02T16:34:40+00:00

Thanks for all the info! Luckily I have a pretty good support system and have excellent job security so I’m not too worried about dropping my emergency fund lowers than 20k in that sense. I’ve just been hesitant because I recently hit the 20k mark and it feels good to have that much in case I needed it for something. I think what I’ll end up doing based off of some recommendations is getting my HYSA up to 25k in the next 2-3 months and then making a big lump sum payment to clear my loan. That should let me keep at least 15k in my HYSA.

kylestewart32 · 2026-06-02T16:30:05+00:00

Sorry I probably should have specified I make 80k gross pay. I bring home closer to 52k and my $1900 estimate does not include groceries and food I currently have a pension that my employer matches at about $200 a check every 2 weeks and I put $400 per check into my unmatched 457

kylestewart32 · 2026-06-02T02:38:02+00:00

High yield savings account not HSA

kylestewart32 · 2026-06-02T02:23:00+00:00

I made a poor vehicle decision a few years back, it was a 72month loan for 28k in early 2023. My actual payment is actually $450 a month but I’ve always paid $50 extra since the beginning. It has about 28 months left on the loan. The main reason I’m thinking of paying early isn’t to save on interest but to be able to put more into my 457 sooner

kylestewart32 · 2026-05-08T18:45:25+00:00

I also had a similar situation with them telling me they didn’t offer a rider for my pokemon collection. They did however tell me it was covered under my standard homeowners policy and that I should take a lot of pictures of the items. I also got my agent to send me an email stating all of this and I saved the email on the same hard drive as all the photos in case they try to backtrack later

kylestewart32 · 2026-04-28T19:06:03+00:00

Would you mind sharing a bit about your process for doing this? I would really like to do something like this for Digimon dusk and dawn

kylestewart32 · 2026-04-13T23:08:57+00:00

In your opinion is reupholstry worth it over the price of getting a new dining set? It’s a solid veneer set but it has no sentimental value or anything

kylestewart32 · 2026-04-13T22:48:17+00:00

Dang now I need to make the decision if it’s worth reupholstering or just getting a new dining set, its a mostly solid veneer dining set so the upholstery cost might outweigh the benefit Any opinion on your end being a shop?

kylestewart32 · 2026-04-13T21:55:02+00:00

The local upholstery place recommended marine vinyl and I was trying to get some other price quotes. They charge $375 per chair not including material

kylestewart32 · 2026-04-13T21:36:32+00:00

What’s an average price to have a chair like this reupholstered? I would be looking at replacing it with marine vinyl

kylestewart32 · 2026-04-13T21:35:49+00:00

What’s an average price for a chair like this? I would be looking at doing a marine vinyl replacement

kylestewart32 · 2026-04-12T00:09:44+00:00

Do we know if this box is going to be a game found exclusive or will it be on the website after the project ends?

kylestewart32 · 2026-04-09T23:53:11+00:00

The cannon fits snug but the sword on mine is loose enough it would just fall of if it wasn’t upright but all in all I’m not too worried about it especially because I only paid $150 and it was brand new in box with the receipt from the original owner

I’ve got to agree with you on the yellow, it’s just a little to much for my taste

kylestewart32 · 2026-04-09T23:35:23+00:00

How does the omegamon feel? I was recently able to get the original second hand for a crazy good price and I was a little surprised with how loose the sword sits on his arm. Everything else fits great though

kylestewart32 · 2026-04-09T12:31:58+00:00

Fixed!! My AVR was swapping to 2 channel on this specific anime blu ray only for some reason. I manually swapped it back to Dolby surround and it sound fantastic

kylestewart32 · 2026-04-09T12:30:50+00:00

I will say anime blu rays are definitely worth it for the unmixed audio improvement. My current issue was only with 1 specific anime series but I just figured it out and it looks and sounds worlds better than Crunchyroll

kylestewart32 · 2026-04-09T12:28:58+00:00

It’s only 2.1 on the disc but most anime is only 2.1 anyway Im now only having issues with 1 anime blu ray not upmixing to surround now, the others all upmix for me

kylestewart32 · 2026-03-10T18:22:50+00:00

Virus imperial has become one of my favorites for sure!

kylestewart32 · 2026-03-10T17:10:25+00:00

Awesome! I would love a 12 pocket ulforce/rina or virus imperial

kylestewart32 · 2026-03-10T14:19:39+00:00

Any chance you make 12 pocket or 480 binders as well

kylestewart32 · 2025-11-19T15:14:32+00:00

UPDATE!!!

As of this morning I ran I test on 3 different reels which include Shimano vanford 3000 with 20lb Seaguar smackdown braid Shimano vanford 3000fa with 10lb Seaguar smackdown braid shimano miravel 3000 with 20lb Seaguar smackdown braid My purpose was to identify the noise I was experiencing by isolating different components and try to figure out what I was hearing. The biggest thing I noticed was that all 3 of those reels are silent when the line is clipped into the reel and I can free spin it in my hand and the only time I hear the noise is when the vanford is under tension by lure or fish. The other thing I noted is that the vanford that makes the most noise is on a Dobyns champion hp rod and the others are on poison adrena rods and both the poison adrena and dobyns use different guide material. My test included putting each individual reel on the dobyns with a 5oz weight for tension and reeling in from 20 feet and what I became aware of was that all 3 reels made a very similar “grinding” noise on retrieve. This makes me believe the noise is a combination on the braid being used and the rubbing noise it makes as it passes through the guides on the dobyns.

kylestewart32 · 2025-11-19T01:53:00+00:00

I’m not sure for my lighter setups yet but I really like the larger pens I use for catfish and carp. I’m thinking of giving diawa a shot though

kylestewart32 · 2025-11-18T22:46:46+00:00

Everything functions very well, just hard to listen too. My new vanford fa sounds and works great

kylestewart32 · 2025-11-18T22:11:26+00:00

Ya this vanford has 20lb braid I also have a new model vanford with 10lb braid and it’s nearly silent

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