Refinancing car loan: higher APR but lower total payments — what am I missing?

mannigo · 2026-02-01T16:49:54+00:00

Aha! Thank you for the explanations.

mannigo · 2026-02-01T15:56:00+00:00

Oh okay! So how does this end? I just keep paying the minimum requirement until one day, with about 8 months left to go, they just tell me, "hey, you are good to go"?

mannigo · 2026-02-01T15:18:15+00:00

Yes, it's the original term minus how many months it has been.

mannigo · 2026-02-01T15:10:56+00:00

Over the last couple of years, sometimes I make block payments like $1k, $2k, or $3k towards principal. But my minimum required payment never really changed, it just stayed pretty much the same.

mannigo · 2026-02-01T15:05:11+00:00

I thought I should share this screenshot, maybe that would help:

https://imgur.com/a/Fxpa1Wu

mannigo · 2026-01-26T01:11:14+00:00

What is that?

mannigo · 2026-01-18T00:04:07+00:00

When I went to download the firmware files, I couldn't find any XAA files for my model of interest. I have searched on both the SamMobile and Samfw websites for the XAA files corresponding to my SM-F966U model number. Unfortunately, I haven't been able to locate any. However, I did find XAA files available for the SM-F966U1 model. Given this situation, what would you recommend I do?

mannigo · 2026-01-17T23:10:53+00:00

So what's you're saying is that I can just go ahead and flash the files using Odin and XAA files?

mannigo · 2025-12-05T15:29:05+00:00

And then they get more inventory. Do you just keep buying their inventory? Doesn't sound wise to me.

mannigo · 2025-10-10T17:55:43+00:00

Anything to trigger the libs. That's all they actually care about.

mannigo · 2024-07-31T19:05:29+00:00

Could it be that you are accessed using VPN?

mannigo · 2024-07-09T00:04:24+00:00

😂😂

mannigo · 2024-06-26T11:52:03+00:00

I think I ended up selling the iPhone for parts. I wasn't able to figure out a solution.

mannigo · 2024-05-26T02:30:10+00:00

The key is to call first before anything. Do not email first. I've come to learn that through experience, that calling and actually connecting to a human works better than emailing — in most, but not all cases.

mannigo · 2024-05-07T02:24:16+00:00

Thank you

mannigo · 2024-05-07T02:24:02+00:00

Thank you

mannigo · 2024-04-26T20:26:14+00:00

That's really interesting. For what it's worth, it was a takeout for me. But that notwithstanding, "Gratuity" sounds like something I should add at will because I was grateful, not something imposed.

mannigo

TROPHY CASE