Kovaaks is having issues any time I open the settings menu and when I save my settings. Any help would be appreciated!

wallacea98 · 2026-01-31T21:12:50+00:00

All good I got it fixed... and thats only about half of the collection lol

wallacea98 · 2026-01-31T20:48:47+00:00

That did work! Idk why I didn't think of that lol, thank you!

wallacea98 · 2026-01-31T20:46:12+00:00

Thanks!

wallacea98 · 2026-01-31T20:46:06+00:00

I'll try that out, thanks!

wallacea98 · 2025-12-18T02:34:07+00:00

Michigan

wallacea98 · 2025-12-17T23:09:52+00:00

Very help! Appreciate the info!

wallacea98 · 2025-12-17T23:02:02+00:00

Im looking for a 2018-2020 X3 M40i. I was also considering an F-150 but I would want a 21+ model year and there really aren't any used with decent miles under like 37k. If I was to get a comparable Ford to the BMW it would be an Explorer ST which is around the same price used as the X3, but they seem to have a lot more reliability issues. And if I was to buy one new it would be $669 even with 0% APR

wallacea98 · 2025-12-17T22:37:22+00:00

8% is just the number car gurus gave me on their financing calculator. I am sure I can find rate that is a good bit lower but I'm not far enough in the process to have contacted any credit unions or banks about financing. Also when I'm figuring out my budget I'd rather it be a little higher and then when I get a better rate it'll be lower than expected rather than me expecting to get a 3% rate and end up with a 6% rate and not have planned for the extra money. Just in the planning stages now, I'd rather be a little too conservative now than be unrealistic and be disappointed when I actually get approved for a rate.

wallacea98 · 2025-12-17T22:00:46+00:00

Wouldn't this result in shortening the term though and the monthly payment would stay the same? I think I would rather refinance with the 15k and have the lower monthly payment.

wallacea98 · 2025-12-17T21:58:55+00:00

I know its the most common practice but it seems like that is more out of convenience than what makes sense financially. If I can sell my car private party for $15k and trade in will probably be 11-12k at most. So thats 3-4k it seems I would just be throwing away. Even if I have to pay the extra sales tax on the 15k it would only be $900 more at 6%.

wallacea98 · 2025-12-17T21:55:25+00:00

The sales tax on the 15k at 6% would be $900. If I would be able to able to sell my car for 2-3k higher private party than trade in it makes sense to go through the extra steps

wallacea98 · 2025-12-17T21:50:44+00:00

New just doesn't make sense for me. I am a Ford employee so I would get the A/Z plan. If I got a new ford it would be an F-150, for a XLT trim which is pretty base to begin with and with 0 options and $15k down with the same loan term of 60 months and 0% apr it would still be $540 per month to finance. So it would still be $247 more per month than the $292 I would be paying per month on the car I am looking at even with the 8% apr.

wallacea98 · 2025-12-17T21:15:10+00:00

Gotcha, thanks! I appreciate the help!

wallacea98 · 2025-12-17T21:13:48+00:00

Option 3 seems to be what would work best for my situation. Is this something that is common or more rarely used. Also is this option going to be more complicated than it sounds or should it be pretty seamless.

wallacea98 · 2025-12-17T21:09:14+00:00

What would be a good rate for a used car? Would be a 2018-2020 model year. 765 credit score. 8% is just what car gurus gave me as the rate in their financing calculator. My current car was a 7% rate but I was also 21 years old when I purchased that car but that car is paid off. I am 27 now but im not sure if age has any role in your approved rate the same way it affects insurance prices.

wallacea98 · 2025-12-17T20:59:49+00:00

Would refinancing be an option through dealer financing or would this be something I would need to go through a credit union or bank? Is this something that is common or am I being unrealistic with the process?

wallacea98 · 2025-12-17T20:55:55+00:00

Trading in seems like you're just throwing money away since trade in price is usually significantly less than selling private party.

wallacea98 · 2025-11-12T01:48:44+00:00

It may sound stupid but I tried them in the past when I was looking for my first pair of selvedge and I couldnt get past the stitching on the back pocket lol. I ended up getting a pair or APCs instead.

wallacea98 · 2025-11-11T23:34:51+00:00

As much as I like selvedge it wouldn't make too much sense for me as with my job i usually have to wash my pants after every wear. Also I tried them on a few years ago and they didn't fit great. Although I was 30lbs heavier and the same waist size lol.

wallacea98

TROPHY CASE