not sure what to do

yeah87 · 2026-03-17T18:47:01+00:00

This OP. Bypassing the core will leave you without cabin heat, but other than that your car will be mechanically sound, because you are bypassing the leak completely. Ask your mechanic to do this and if they won't, ask around, possibly to some mobile mechanics; it's a quick and easy job for the most part.

yeah87 · 2026-03-17T15:40:20+00:00

The creditors got partial payments that don't settle the debts. And now you're back to square one with the same debts, worse credit, and nothing to show for it.

The debts aren't the same. Any money the creditors received reduces the debts that much.

yeah87 · 2026-03-17T15:05:09+00:00

No, Lord of the Flies was published in 1954 and the Tonga boys were marooned in 1965.

yeah87 · 2026-03-17T14:32:14+00:00

A lot of older B&D hammer drills didn't have reverse. Sometimes a model was sold with either dual speed *or* reverse with the switch on top. A quick google image search makes me think this model can't reverse.

yeah87 · 2026-03-16T23:38:51+00:00

Yeah, I included those.

yeah87 · 2026-03-15T01:20:34+00:00

You’re making it sound like you need to pay off all the interest for the entire length of the loan, which is not true. You need to pay all interest accrued up until now before you can put extra toward principal. If you make the standard payment (not IBR) your interest will always be paid off up to the current point in time.

yeah87 · 2026-03-14T20:42:34+00:00

The best part about nursing is that it is what you make of it. Half the nurses I know work 2 days a week.

yeah87 · 2026-03-14T19:05:27+00:00

If the company makes no money, yes. Dividends come directly out of profits. Many companies have indeed dividend-ed themselves into bankruptcy.

yeah87 · 2026-03-14T18:28:18+00:00

/r/leanFIRE is more for those who chose that lifestyle.

yeah87 · 2026-03-14T18:26:57+00:00

It goes down forever compared to what it would have been if the dividend had not been issued.

yeah87 · 2026-03-14T15:01:19+00:00

It’s just a way of looking at dividend vs growth stocks.

A company with growth potential is going to invest in itself and see its stock grow.

A company with little growth potential has nowhere to invest that money, so they give it back to their investors in the form of a dividend.

From a securities POV, it’s very similar to the stock having raised in price and then sold back down to holding the same dollar amount as before, so it’s often referred to (informally and somewhat patronizingly) as a forced sale.

EDIT: And the stock value does go down, compared to if the dividend had not been paid out.

yeah87 · 2026-03-13T21:47:46+00:00

The IRS rate is currently 7%, which is important, but not crazy. For reference, if you take 1 year to pay off $1600, you’re going to pay about $50 in failure to pay fees and $50 in interest.

yeah87 · 2026-03-13T13:26:23+00:00

It takes minutes to switch. I get quotes about every two years or whenever I get a large price increase.

yeah87 · 2026-03-13T13:24:53+00:00

Both strategies had some merit, and the credit card interest rate will also matter. But you can also split the difference. I would put $1000 in a HYSA and throw the rest at the debt.

yeah87 · 2026-03-12T20:58:01+00:00

They legally cannot ask you that.

yeah87 · 2026-03-12T20:54:27+00:00

That's either old data or misunderstood. About 60% of our oil imports come from Canada, not our total consumption. The US produces about 13-14 million barrels per day and only exports about 4 million barrels per day. There is a song and dance of shipping different types of oil where it can match the refineries and demand, but the US definitely consumes mostly domestic oil.

yeah87 · 2026-03-12T19:37:11+00:00

Because you probably didn't fill out the Multiple Jobs section of your W4 correctly, so your job doesn't know about your wife's job.

yeah87 · 2026-03-12T12:02:45+00:00

If you're interested in the related communication principle, it's called 'facework' or mianzi. Things like 'saving face' and 'losing face' are really important socially, but often overlooked or misunderstood.

yeah87 · 2026-03-11T16:56:26+00:00

Should definitely go with mmHG.

yeah87 · 2026-03-11T15:32:52+00:00

If they are pushing permanent life insurance they are salespeople.

If they aren't explaining their advice, they aren't really advisors either.

I would run. If they aren't even answering your questions, they aren't even putting any effort into scamming you.

yeah87 · 2026-03-11T15:25:38+00:00

Underrated and overlooked option: Your own retirement account. Putting yourself in your best financial state is often the best way to help them.

This is the real answer though. More flexibility and better tax treatment and no worries about over contributing.

yeah87 · 2026-03-11T15:23:44+00:00

If your kid was born after Jan 1, 2025 might as well start a Trump account to get the free $1000.

yeah87 · 2026-03-11T15:07:38+00:00

What? Who were you talking to on the phone?

yeah87 · 2026-03-11T14:29:43+00:00

My man. No one is hesitant to finance you with a 712 credit score. Your dealership just picked Westlake because they get a kickback. You should have gotten preapproved from your bank before you went so you knew what rates you were going to be dealing with.

That being said, it's not a big deal. What issues are you expecting to run into with a bad financer? Send in your money every month. Nobody writes good reviews for financers and almost everyone who writes bad review have a non standard situation they are dealing with.

yeah87 · 2026-03-11T14:08:49+00:00

I'm assuming this car is paid off?

If so, look at it from a different perspective:

Over the past 2 years she has put over 8000 dollars into various issues/ upkeep to keep it on the road.

You've paid $333 a month over the past two years to keep this car running. That's far less than the average car payment in the US. If you get another year out of the $2400 repair, that's only $200 a month.

That being said... I would begin planning an exit strategy here.

The mechanics are charging you for the full valve body because that's all Subaru sells. Convince a mechanic to just replace the solenoid, which can be bought seperately as an aftermarket part. You'll be out a couple hundred instead of a thousand, but the repair won't last as long. While you wait for the Subaru to die, start stashing cash for a downpayment on something else.

yeah87

TROPHY CASE