Sample receipt for down payment on a car

r/CarTalk

2010.09.20 06:45 darthcaldwell r/CarTalk

The place to talk about your car
[link]


2015.02.25 19:59 ScuderiaMacchina Car Hacking: Hacks on CAN, OBD2, UDS, J1939, ECU, TCU,...

Car Hacking - The ECU and protocols like CANbus have become the heart and brain of most modern cars, but it has also become a locked down black box. This is a place for people interested in taking back control of the car they bought. New age hot rodders, ECOmodders, Security researchers, the curious, the paranoid, and the tinkerers are all welcome. We encourage the use of open source solutions and tools like arduino and rasberry pi.
[link]


2015.06.06 21:01 RoonilWazilbob Nearly Impossible Odds

Nearly impossible feats of achievement, those with great degree of difficulty or incredible odds.
[link]


2024.06.01 14:09 versionjagga Buyer's Remorse on a car lease

I just signed for a gave a partial payment on a lease yesterday. After sleeping on it, I'm having buyer's remorse.
I have to pay the rest today and pick up the car? Any options I have to get out of it? Hasn't even been 24 hrs signed I signed the contract.
The car is a Lexus RX450 I'm located in Brooklyn, NY And the lease terms were $550/Month with 15k down and 5,000 miles per year.
submitted by versionjagga to askcarsales [link] [comments]


2024.06.01 13:45 Poppin_curlz619 Trading in a Lease Early

Hey! I have 2022 Kia Seltos lease with an annual mileage limit of 15k for 3 years. However, I drive a lot due to my commute and recreation, so I am at around 42k miles with a year left. I also am not in love with the car. I knew a lease didn't fit my needs, but my dad, who has been in the car service industry for over 30 years, told me it would be fine. Now being 26 years old, I am realizing it is fine as long as I want to continually being in car debt by rolling the excess mileage costs into a new lease, which is not my end goal. That is why I am trying to get a 2nd opinion that isn't my dad nor the dealership he works for.
The current residual value is $16,637.75, and I have $5,423 left to pay in 12 lease payments. The buyout amount for this car is $22.8K. This is information I've gathered from the Kia financing website. I currently have ~730 credit score, make around 62k/yr, and can comfortably put a 5-8K down payment on something new or used. So, for the questions:
Would buying the lease be the best option? I know I would be buying out the car with 30K miles, but it actually has 42k.
If I were to get out of the lease, how much equity would I have? Would I be negative, positive or even?
I do tend to like bigger cars, although may not be realistic as of now. I have been eyeing both certified used sedans/suvs between 16,000-22,000. Would getting a 2016 larger Honda suv w/ 100,000 miles for the same price as my seltos be a decent buy? Assuming Hondas have a better track record for lasting vs. Kia.
I am hoping for a payment of $200-320/mo, but I am currently paying 451/mo. So, if that its not realistic, I have some wiggle room in the budget.
Thank you for the help and advice!
submitted by Poppin_curlz619 to askcarsales [link] [comments]


2024.06.01 13:10 No-Debate2873 The Pandering Brown Sisters Still Grifting

The Pandering Brown Sisters Still Grifting
After a faulty start setting up a charitable tax-exempt organization in their deceased sister’s name, to support domestic abuse victims in late 1994, the Browns had appointed at the helm to run it a convicted violent domestic abuser and swindler. A 1995 Los Angeles Times article cited that….”the founding president of the Nicole Brown Simpson fund, records show, is a convicted felon and accused spousal batterer, who was once named in a domestic restraining order for posing a “clear and present danger” to his estranged wife and two children. Jeff C. Noebel, a 40-year-old Dallas businessman, is currently awaiting sentencing in U.S. District Court for lying to federal authorities in a savings-and-loan investment scam, one of his many shaky business ventures that have left a trail of bankruptcies and lawsuits from Texas to California.” Yet, the Browns pretended they did not know his background though Noebel stated that he had told them about the abuse charges, apparently his silver tongue offer to build them a successful, donation-seeking, organization was too juicy for the Brown family to pass up.
Yet, here we go again, the Brown sisters grifting during the 30th anniversary month of the OJ Simpson case in conjunction with the Lifetime cable network with the two-night streaming of The Life and Murder of Nicole Brown Simpson.
It should be an interesting dichotomy, since for 30 years someone has been lying. The father, Louis Brown, stated to the police detectives and later coroner’s investigator less than 12 hours after the murders occurred that his daughter, Nicole Brown Simpson, was last known to be alive the night before at 11PM talking to her mother, Juditha Brown, regarding glasses left behind by the mother at Brentwood’s Mezzaluna restaurant.
Two days later the mother would give the same time on two different occasions, first to the Simpson defense investigators, and then after they told Attorney Robert Shapiro, he would ask her himself what time that last call took place. Juditha Brown would tell Shapiro the same thing, that she talked to Nicole at 11PM on or about June 16, 1994.
When Shapiro asked how she knew it was 11PM she stated that when she arrived home from Brentwood that night she checked the clock and it said 11PM. However, within 7 months the 11PM last call would be changed, in another flim-flam slid past all of the American viewers whose attention was generally diverted to some tabloid unrelated event outside the courtroom. The time of the last phone call was changed in a low-key stipulation entered in open court and offered surprisingly by the defense team’s Robert Shapiro. He was now agreeing to accept a new time of 09:37 PM as the last call shown on an exhibit document, the Exhibit 35 POSTERBOARD claimed to represent the phone calls of Juditha Brown. The importance of the stipulation in California is that by their long-established state law it allows the evidence to circumvent examination by a jury.
This may be one of the most important tools to allow that state to have their notable celebrity show trials. Supposedly, all times on the Posterboard were accepted by Shapiro as his covering excuse to speed the case along since the Simpson defense lawyer was posturing that the prosecution witness, Karen Crawford, Mezzaluna weekend manager and bartender, could not accurately be certain of the final time anyway. So, the defense would simply accept the times shown on the posterboard, including the alleged phone call from Juditha Brown at 9:37 PM as seen in the blown-up section provided above. Defense lawyer Johnnie Cochran would do the same 5 months later and leave tell-tale evidence of their cooperative malfeasance as shown in the following video clip. https://youtu.be/Bk3Muy_MgJA?si=rDrtYy84pmfjapE0. This video clip of Cochran stumped OMIG investigators for about 7 years as to why he would enter what appears to be a false stipulation, until realizing based on other information that the Simpson trial and its malfeasance was to be utilized by Cochran for a more important trial he had lost where an innocent man, that was his client, would spend almost 29 years of his life behind bars as a result of Cochran’s naivety until Cochran could maneuver his release.
11 PM is important to this case because it places OJ Simpson in the backseat of a chauffeured limousine on its way to LAX for him to catch an 11:45 PM flight to Chicago while his ex-wife was still alive. The waitress, Tia Gavin, stated that the Brown party departed the Mezzaluna restaurant at around 8:45 PM, and now the last phone call from the Brown home in Dana Point, Orange County was at 09:37 PM approximately 52 minutes after departing Brentwood in West Los Angeles. Everyone, i.e. news commentators, highway patrolmen are on tape saying the distance was a 90 minute to two-hour drive between Brentwood and Dana Point, Orange County. This includes the two lead LAPD detectives, Phil Vannatter and Tom Lange, who stated in their book EVIDENCE DISMISSED below, that the drive was at least an hour and a half drive.
Since two of the Brown sisters were in the car on that fateful drive back home that night from L.A.’s Brentwood to Dana Point, someone is lying, and it certainly does not appear to be our side since all of the evidence appears to support our findings that the Brown family did not arrive home in approximately 45+ minutes. The highway data regarding traffic volume and density due to highway construction to build the HOV lane imply more like a 2-hour drive. This is what the data indicates the drive home for the Browns looked like on the southbound I-405 the night of June 12, 1994 between the hour of their departure from Brentwood between 8-9PM.
We at OMIG predict that the truth is going to ultimately catch up to all of these charlatans and grifters and expose them for this reckless and dangerous lie that they have placed before the public for the last 30 years sucking up all oxygen in the media space. The phone records were removed by court order from the Simpson case file to continue this lie so that the records could not be examined. However, these corrupt officials beyond the Brown sisters have continued to conceal the truth.
Several people pull this angelic cloak off of their unfortunate deceased sister, Nicole. Even Kato Kaelin, who Nicole invited to move into her pool guest house on Gretna Green before moving over to her condo on Bundy spoke in his book about Nicole throwing drug parties, where the party goers were making a bee-line upstairs, going up and down to the point Kato asked why. Someone pulled his coat during his recent meeting of Nicole as an invited guest to her party and told him “That’s where the cocaine is”. Kato who resided a year with Nicole and her children, would go on to state in his book that he witnessed Nicole becoming very belligerent and out of control when drinking too much tequila when out in social settings. Having to have the keys wrestled away by her girlfriends from preventing her being a drunk driver on the streets and highways. On one occasion it became so embarrassing with her being out of control that he simply left the gathering, which appeared to be par for the course for the Mousey looking house guest. He also accused Nicole the obsessive party gal of being a chain smoker; hence, he undermines the pristine image that the prissy Brown sister-grifters seem to be attempting to portray in all probability for the sake of making a dollar once again.
They knew that the so-called Bruno Magli shoe prints found in the sidewalk tiles did not fit Simpson’s foot, so they have attempted to conceal that until OMIG investigators examined the police photos and attained verification that the sidewalk tiles were only 11- and 1/2-inches square.
Because OMIG investigators stood firm during an interview with former FBI agents that one of their peers had lied about his true knowledge concerning Simpson’s foot in those size 12 Bruno Magli shoes, they in turn called back and provided OMIG with 53 pounds of documents some of which was associated directly with the Simpson trial indicating that the agent, Roger Martz, had been lying and committing perjury as it related to the blood the FBI lab was asked to examine. He wrote a letter back to the LADA’s office and the deputy DA who had asked for their help, Rockne Harmon, telling them that he, Roger Martz, had completed an examination of the blood samples of Simpson found on the back gate and blood of Nicole found on socks on Simpson’s bedroom floor. Martz said that he could find no contamination with the blood preservative EDTA. It appears that Martz lied, and was called out for his lies by other FBI examiners in the lab in a complaint filed with the Office of the Inspector General of the USDOJ.
That document, entitled by OMIG as the Whitehurst Complaint due to the author who filed it, former FBI Agent Frederic Whitehurst, became a hidden document as well one in which OMIG has filed at least 3 Freedom of Information Requests to attain from the Office of the Inspector General. This all is predictably going to unravel, and exposes the weakness of using the Brown sisters to promote a false narrative with its subtle yet powerful racial undertones to the detriment of so many more important events that have taken place over the last 30 years. This promulgation simply exposes the recklessness in doing something like that by exposing the soft underbelly of vulnerability as a national security threat to the nation by providing a cheap and cost effective tool to weaponize to fragment and polarize a nation, with that being the use of racial animus to create national mass hysteria.
submitted by No-Debate2873 to ojsimpsondidntdoit [link] [comments]


2024.06.01 12:19 Erikdlucas I'm buying a used Model 3, my girlfriend thinks I'm crazy.

I'm taking delivery of a used 2022 model 3 base next week, $24k. $4k tax incentive taken off at delivery plus $4k down payment, so I'm financing around $16k. She said I'm being fiscally irresponsible for getting a "luxury" car instead of something like her Toyota Corolla. I tried explaining but I'm bad with trying to explain this to ICE car owners, so she shrugged it off and still thinks I'm making a bad decision. Can y'all help me explain how this is a good deal? It has 66k miles on it.
submitted by Erikdlucas to TeslaLounge [link] [comments]


2024.06.01 11:56 PermanentlyDrunk666 Taxes and going intentionally homeless

What are the tax and other implications of not having a physical address? I am located in Arizona and I am preparing to go "homefree" to save money.
My rent has skyrocketed from $1300 to $2100/mo in the last 3 years. I can afford it but I refuse to pay that much for a 1 bedroom apartment where drug addicts regularly smash car windows and steal from patios/2nd floor balconies. I've looked into alternative housing (studios, couch surfing, casitas, etc) but can't find anything suitable and reasonable.
By not paying rent, I would be able to save/invest about $5500-6000/mo and could potentially save up for a down payment on a house in two years. The current housing market here has entry level 3 bedroom mobile homes going for $300k and up. Houses are in the $450s now. I am 100% debt free and have no kids or other financial responsibilities other than car insurance and a cellphone bill.
submitted by PermanentlyDrunk666 to personalfinance [link] [comments]


2024.06.01 11:10 AdAway1046 Aita for using somebody else’s funds to pay a debt I didn’t incur?

(The back story is a bit long but relevant I think for my point. ) I’ve lived with my grandparent since I was one. We’ve had a great life full of travel and opportunities. I briefly lived with my aunt and uncle when I was 12 while my grandparent got us settled in a different province. During those three months I was beat and broken numerous times trying to shelter my cousin and my grandparent could do nothing from provinces away. We finally got custody of my cousin years later but my grandparent obviously did not financially plan for it, so at 17/18 i helped out. Even in uni I paid for hockey fees, equipment etc. after that, my cousin lived w me several times and I got them numerous jobs which they abandoned. This is all to say that I will always love and support my baby sibling(as I view them) Their most recent break up had them homeless so I offered my office room and provided a bed etc for four months (they paid nothing of course bc I’m happy to help) my cousin wanted to move in w friends but didn’t have the credit and cash for dd. I told my cousin that I was fine if they took over the lease (sublet) and utilities with said friend and for renewal I’d go to bat for them (so long as they paid on time). I also communicated this to friend (we had a good sit down session and agreed. Since my cousin had nothing but clothes, I lent him my bed, sofa, cutlery, tv. Everything. (I was moving in w my partner) Flash forward: he moved two more people in, smoked weed inside and was short on rent and didn’t pay utilities. Then texted my landlord letting him know I was illegally subletting bc I wouldn’t go to bat bc they all owed me 1700$ in utilities (they all knew, I send emails and talked in person but my cousin was supposed to handle that). So I lost my dd obvi. When I went to grab my stuff (bed, tv, couch, other things I let them borrow) I had the cops on standby, friends with a moving truck and they refused me entry (cops said I could arrest). My grandparent begged and pleaded to not. So I didn’t. They moved, I never got my stuff. I’m blocked on all socials. I don’t even know ow where they live now.
Why I might be the AH: I asked my grandparent to have my back in this situation (the cousin at that point owed me 3G) the grandparent agreed and did. The second my cousin was out, the grandparent backed my cousin (lending the car, sending money and no consequences for destroying my credit and stealing my stuff) and said ‘I’m not picking sides’. They had some money in my account, and I recently used it (I was about to be disconnected on water and heat bc my cousins non payment followed me despite me trying to pay current utilities and previous) to pay this debt. In my mind, which I said for the past several months to grandparent after finding out assistance is still being offered to cousin: I need you to have my back. That means cousin has consequences from you (no car etc) and gp agreed. Then broke that promise. I took the money to pay off the debt so I can use a stove (I was about to be disconnected for the debt) and let gp know to collect from the cousin bc if you back somebody, they should back you.
-it’s my account -promises were broken from cousin and grandparent -if you need money ask the person you support and they should reciprocate (the cousin obvi)
So aita?
submitted by AdAway1046 to AITAH [link] [comments]


2024.06.01 10:27 BloeJogs Looking at getting my first car, up to 18k not great creditscore of 499 but waiting for changes I’ve made to show on that. Guarantor loan or try my luck with finance?

Hi everyone new to this sub, I’m 30 hopefully looking to pass my driving test on Monday and currently window shopping for cars. I’m looking at a Mazda 3 (newer model) with decent mileage comes in around 15-18k.
I made some silly mistakes with credit when I was younger but now I’m in a stable job in the Armed Forces, annually I’m making 27k and have no real outgoings cause I live on base.
My credit score is 499 but I have made work towards that in recent weeks and using LoqBox to help my credit profile. I’m either thinking of trying my luck with finance but risk damaging my credit profile further or with the help of my Dad going down the guarantor loan route.
My job sees me spending months away, making money that I cannot touch until I’m back so I could continue to pay my monthly payments for both finance and a guarantor loan however, having extra money when coming back on land with a guarantor loan I could possibly look at paying a decent chunk off…
Any help would be appreciated, thanks 👍🏼
submitted by BloeJogs to UKPersonalFinance [link] [comments]


2024.06.01 08:43 lucky-bby Finally over 700s after having a dozen late payments

3 years ago, I was 21, I had a stable low 700 credit score. I was pretty responsible with my CCs but I was in a car accident that was pretty bad and had to be off work for a year. Covid had taken a pretty big chunk of my savings and I didn’t get any money from my insurance(they were unable to find the person who hit me) aside from a portion of medical bills they paid. I ended up maxing out my ccs and eventually missing payments. One of my accounts went to collections and I missed 4 consecutive payments on a single CC, which is terrible but I really had no money and I was so ashamed to ask my family for help.
By the end of 2022, I had returned to work but my score had plummeted and was probably in the 450s to 500s. I needed a car after the last one was wrecked and was saved by my sister who offered to co-sign. Even with her 835 score, it was hard to find financing and I realized I needed to get myself together and get rid of my debt.
Beginning of 2023, I was able to get a better paying job and really focus on paying down my debts and slowly my score increased to low 600s. By the end of the year my score was 680 and hadn’t moved for a while. I assumed it wouldn’t go much higher because my late payments were many and still recent. I was still getting credit line increases declined and had opened a secure credit one card with a $300 limit.
I recently applied for the Citi Costco card on CK for shits and gigs, I was sure they would reject me but I was approved! It brought my score up 50 points too! I’m beyond happy, I was over 10 grand in debt and felt like I’d never find my way out. I’m so grateful for all the people who gave advice, irl and online🫶🏻
submitted by lucky-bby to CRedit [link] [comments]


2024.06.01 07:49 Gearcortex Got a refund w/o Proof of Purchase Email

Got a refund w/o Proof of Purchase Email
In my infinitesimal wisdom, I never saved the proof of purchase for my Car Thing (Really need to start getting in the habit of saving all my receipts in a separate email folder), but I somehow managed to get a refund. I had to provide the email associated with the account, serial number, and my PayPal statement (Look for Luzern/Spotify), and apparently if you turn down x amount of months for Premium and ask for a refund, they will refund the last x months of equivalent value to the card saved on your account. I got my Car Thing on sale, so instead of the last 9 months getting refunded, I'm only getting the last 4 months. Oh well, that's still worth a tank of gas
https://preview.redd.it/3afew3vfew3d1.png?width=800&format=png&auto=webp&s=5a8c5bd5b3b3cd45555fd6675c9bd55f2ff63421
submitted by Gearcortex to CarThing [link] [comments]


2024.06.01 06:42 Conscious-Hat-7160 Struggling to make ends meet multiple months in a row now, need advice.

Me 19F and my boyfriend 28M moved in together about half a year ago now. The first few months went by easily as we had some money in the bank, that let’s call my boyfriend Charlie, had. Come about February this year we are both unemployed doing DoorDash to make ends meet. I had a couple emotional breakdowns worried that we would not be able to pay our bills. Charlie has always been a very nonchalant guy who believes the universe makes everything work if he believes. In which some cases I believe him due to prior situations, but it’s hard to believe all the time. Month after month we keep coming up short on rent, short on car payments, but making them writhing the next day or two. I continuously asked him to get a job. I ended up getting a job back in March which has significantly supported our bills but in that time Charlie decided he no longer feels like having a car so declined getting insurance for his car and opted we would just use mine to do Doordashing for whatever money my job doesn’t bring in. DoorDash while a great stimulus to our income, is not a reliable and stable source of income. You’re at the whim of orders and tips. This past month of May, I had a week where I had to take my car for a good chunk of the day to visit family, and by doing so he didn’t have my car to use for dashing. And now we’re missing half of our rent money.
I’m at a loss of what to do, I know the answer I will likely get most is to leave him, but that is not an option to me. I don’t know how to get this man to get his ass into gear again and go get a job. He has had many of jobs before and can hold one down. It’s the mater of just getting one.
submitted by Conscious-Hat-7160 to Advice [link] [comments]


2024.06.01 06:00 Initial_Two_5029 My friend is jealous over the childhood she thinks I had.

So for a little context, we are both 20f and we have been close friends for almost 3 years now.
For the most part we are amazing friends. She is truly an amazing person and I love her so much.
But sometimes she makes comments assuming/saying stuff about me that isn’t true.
I don’t want to put all her business out there but it boils down to her thinking I’ve never experienced any financial hardships in my life because my dad makes decent money. I will be the first to admit that my family current financial situation is good. No debt and with most of the kids out of the house they have less expenses.
I know her family is not in the same situation, and ive been there and I try to be mindful of that. Even so she seem to fully believe that I grew up facing no financial difficulties.
It would be one thing if that was true but it’s not. My mom tried to leave my dad when I was 11ish until I was 15 she was a single mom to 3 kids on a factory workers salary. No child support payments either Before that, my dad had put the family almost 20k in debt.(One of the many reasons she tried to leave him) it should also be noted, that debt was not for us. I know some families going to debt to try and pay for necessities for their children. Outside of the basics (housing and food) my dad wouldn’t spend a dime on us and he often would get mad if we asked for anything. Best way to describe him during that time was like a dragon hoarding his possessions. All of that was because he wanted things and he had no impulse control.
Anyway, my parents got back together when I was 15. For a while things were still very rocky. I definitely have had experiences with money being tight/issues surrounding money in my family. Things finally stabled out when I was around 17 which is when I met my friend.
It started off small with remarks about how I get soda at restaurants, and how she always had to get water as a child. Which is something I also did, especially living with my mom. to. But If I’m paying for myself with my own money, and I can afford to. I am going to get what I want.
Recently she made a remark because I bought my parents used 2012 car off them (with my own money) and my mom brought a newish car. (With her own money) about how it “must be so nice to be able to buy a car off your parents.”
Overtime it’s just built up and it has started to feel like she resents me for something that I didn’t even do. I understand wanting a better childhood but it’s like she’s built up this idea of my childhood and no matter what I tell her it feels like she thinks I’m some spoiled brat who’s daddy buys her everything. Not true at all my dad is still a prick about money, and I don’t even talk to him 90% percent of the time.
I’ve explained it to her that those remarks aren’t fair, that I really don’t appreciate her speaking on a situation she doesn’t understand. I’ve told her about everything I just told you and she just doesn’t seem to care/believe me or understand. I know she’s only seen the last three years of my life which comparatively have been amazing, but that’s not reflective of my childhood.
Any advice on what to do? I love her as a friend, but I don’t want to keep dealing with it. Should I just drop her? Should I keep trying to sort things out? It’s not all the time, but it’s enough times I brushed it off but over the last three years it’s just gotten to be too much.
submitted by Initial_Two_5029 to Advice [link] [comments]


2024.06.01 05:50 kandrew07 Dumb Mistakes... now I have just under 23k in credit card debt

Like many others I have made several poor choices and over time it has snowballed into roughly 23k in debt. After talking with some close friends I have finally decided to buckle down and work on getting debt free. I have been hating opening my banking app and seeing these massive balances and I want it gone.
Good news is starting tomorrow my new employment contract starts and I will start making 75k a year. I plugged all my current bills and payments into a budget excel file I found here yesterday and based off my projected monthly income I should have around $2,300 left over after accounting for budgeted groceries and other necessities.
I currently live rent free and have very basic expenses, cell phone, internet, and my car payment is currently $450 (4% interest rate) but I round up and have been paying $500 the entire time I have had the car (2 years so far).
I am more than happy to answer any questions you may all have for me as needed for advice. I have been considering looking into a consolidation loan but was pushed to make a post here first by a friend and I wanted to gather more advice and inputs.
Thank you all in advance for your help and I cannot wait to be debt free again.
submitted by kandrew07 to personalfinance [link] [comments]


2024.06.01 05:47 ItsMechin Handyman Contractor Left Job Incomplete

Hello legaladvice, please let me know if this is not the correct subreddit. To give some context I'm from the USA specifically Pennsylvania. About 4 weeks ago I hired a "Handyman" with no actual business to demo a house I purchased down to the studs. This house is a half double and shares a wall with the side I own and live in, I eventually plan to make it single family home. The contract we wrote up stated half up front and the rest after I considered everything done. This included hauling out all the debris to a dumper I provided. After the first week he gave me a sob story and asked for another portion of the money, I gave in and paid him. He disappeared for several days until I got on his ass to come back and fill the dumpster because it was time sensitive. He came back did a bit more work and filled the dumper, he again asked for money... and like an idiot I obliged and gave him another payment. I ordered another dumpster and again he disappeared, rinse and repeat, this was over the span of about 4 weeks and 3 dumpsters. In the end I ended up paying 90% of the total estimate and the job is about half way complete. He has since disconnected his number and left me with no way to contact him. I documented every time I gave him money and had him initial it as "proof" but in the end none of this is notorized and just jotted down on generic receipt paper. My question is, is there anything I can do legally to either have him give me a partial refund or compel him to finish the job? Please let me know if you need any clarification.. Also I'm on mobile so sorry for the wall of text.
submitted by ItsMechin to legaladvice [link] [comments]


2024.06.01 05:38 LineRemote7950 Can I afford a house?

I'm looking to settle down and purchase a house and I was hoping I could have some help deciding if I could really afford to buy one right now.
I'm looking for houses in the price range of 200-300k, very modest places given the expensive nature of housing where I live.
My income and assets are as follows:
Income:
90,000. I live with my girlfriend and she pays 30% of shared expenses (internet, utilities, rent - would be mortgage if I bought house). But I'm not counting her income towards the debt to income ratio for the bank. I'm maxing out 401k and HSA at work right now which means I'm bringing home about $1880 every two weeks, or $3760 a month.
Assets:
High yield savings account: $18,696 - about $5000 of that is set aside explicitly for a down payment on a house.
Roth IRA: $42,653
Taxable: $39,901
401K: $63,687
HSA: $16,950
Car: $2,000 (although I view this as a liability since I might need a new one in about a year)
Total assets are sitting around $195k after including my checking account.
Credit score: sitting above 800
Debt:
None or at least none that would be found by the banks. I owe my family about $1,000 because I haven't paid my phone bill since I graduated college.
Zillow is telling me that for a house worth $241k my monthly payment would be $2183 per month. The breakdown is as follows:
Principal & interest: $1,570
Property taxes: $114
Home insurance: $84
Mortgage insurance: $102
Homeowners association fees: $313
The initial monthly payment seems a bit rough since like 60% of my take home pay (if I continue to max out my 401k and HSA). Although, if I stop maxing out my 401k entirely, I could bring that ratio down to about 40%. But with my girlfriend paying 30% of the mortgage (or $655 a month) that brings my ratio down to 27% which is fairly reasonable but at the cost of my 401k.
For further context, my work 401k is kind of dogshit, I get some complicated vesting schedule which amounts to 1% per year worked and it's my first year at the company. My girlfriend and I have been together for 5 years and eventually plan on getting married but we're in no real rush to do that.
As far as my savings and investments go, I've been saving about half of my income. I could simply decide to spend another year saving towards buying a house. This is kind of a new idea since a house I liked came onto the market. But in 2022 between various investment accounts, I saved/invested about $38k on an income of $73k and in 2023 I saved $41k on an income of $85k, both years my 401k savings made up about half of my savings. So, I could likely add another 12-20k towards a down payment if I did nothing but save for a house down payment.
What would you do if you were in my position? Wait and save more? Pull the trigger and get a house? drain a taxable account and place it into a down payment?
Feel free to ask any other related items. I tried to be through thorough but might have missed something.
Edit:
I should have mentioned two things:
my current rent is $1073 and I'm paying $749 of that.
my location is in Nashville Tn.
submitted by LineRemote7950 to personalfinance [link] [comments]


2024.06.01 05:28 G-kid5 What are good practices on buying a car, or rather, what do you do when you realize you are in debt with your car and that the interest is high

I didn’t understand what I was really doing at the time. I was just focused on getting the dealer down to my monthly payment I wanted to be near. Now I’m understanding I’ll be paying much more than what the car is worth. I never miss a payment. I just know that I have this interest looming over me now. Makes me want to sell the car back to them and buy something else outright but I do value the safety I get in my civic and the gas mileage. Should I try to refinance ? Should I overpay the payments? Are there guidelines for this ?
submitted by G-kid5 to personalfinance [link] [comments]


2024.06.01 05:28 carnivorousdentist Daughter had her first tantrum today

She's about to be 14 months old and she is normally such a calm child, hardly ever cries.
We had just spent about 40 minutes in the car and she was hot and unhappy. Then we went grocery shopping and I put her in the buggy which she was also not happy about. I gave her some of the things we had in the buggy to keep her occupied but she was getting restless. Then I started showing her stuff from the shelves to try to distract her but in hindsight I realize she wanted to touch and play with the things I was showing her and I wasn't giving them to her. She started fussing and kind of crying. She wouldn't settle so when we got in line to check out I took her out and held her and she just kept pushing away from me, so I assumed she was just tired of being restricted and thought she might want to stand up, so I put her down and held her hand.
That was her limit and she started crying very loudly and writhing around in my arms, she couldn't be distracted by anything and nothing was soothing her. The wonderful ladies working at the store took pity on me and showed me to an empty lane and checked my things out for me. I was briefly able to soothe her by bouncing her while she faced towards the floor but once i had to hold her normally again she was back to being upset.
Everyone was looking at us, I felt so embarrassed and helpless and like everyone was thinking I was a bad mom (even though the workers were so kind and understanding). I sat down with her in the car and crinkled the receipt in front of her and let her play with it and just held her and talked to her calmly and she was perfectly fine within minutes as if she hadn't just flipped out.
I have been reading so much about how to deal with toddlers but the second she started fitting I felt so unprepared and helpless. Any advice on how I should deal with this next time or just kind words? Thanks.
submitted by carnivorousdentist to Parenting [link] [comments]


2024.06.01 05:12 Warm_Ad7213 To buy or not to buy (a new house)

Loooong post.
TL;DR Currently live in a house with a mortgage rate of 2.9%. Potential overpriced dream house 15 minutes closer to work that includes rental property is very expensive but seller will offer financing at 4.5% but with a mandatory rate negotiation in 10 years. Excellent interest rate makes up for very high asking price, but I’m apprehensive about the pseudo balloon type mortgage. If in my position, would you walk away, counter, or just accept? ——
So I am in a weird (and potentially good) position that my wife and I stumbled into a few weeks ago, but it has led to a mild dilemma and I wanted to see what the consensus was here on what the best decision is. I completely understand that everyone’s position is unique and decisions should not be made based on Internet advice, however, I just want to make sure that I’m not missing anything obvious.
For reference, we live in a fairly rural area of the northern midwest with relatively low cost-of-living. yearly salary is somewhat variable, whoever usually ranges between $160,000 and $180,000 fairly easily. This year may be a little bit of an outlier and I will likely make very close to $200,000.
The dilemma: We currently live in a very nice house. For reference, we are very content and certainly not in a hurry to move, however, the opportunity is essentially for more or less our dreamhouse on a dream property. Also, the interest rates being offered are absolutely insane in today’s market, those slightly worse than we currently have.
We purchased our current home in August 2019 for $265,000. Per our realtor (actually 3 different realtors over the past month), we could comfortably get $350,000-$360,000 if we sold today. After paying realtor fees and all of the like, we would net somewhere between $95,000 and $105,000 in profit. Current mortgage interest rate is 2.9% 30 year fixed rate mortgage. This interest rate has sort of turned into golden handcuffs at this point. Not a bad problem to have. If that is the way it needs to be and the smarter option is to stay with our current house, we are fine to do so.
We sort of stumbled into an opportunity to buy a new house. The house is slightly smaller than our current house, however, it comes with 5.34 acres and is on a river. This new house is also 16 minutes closer to work. I don’t mind my current 27 minute commute, however, certainly I can’t argue with a shorter commute. The new property also has a separate 2 bedroom 2 bath two car garage guest house (in addition to the main 4 bed 2.5 bath 2 car garage main house) that we could use for a business or rental. Very nice property is really what sells us on this house. The house is very nice but again slightly smaller than our current house. Purchase price for this new potential house is listed at $675,000. We offered a little below and with multiple other offers on the table, seller countered up to asking price. The property last sold 4-5 years ago for something like $475,000. Current valuation by the county for tax purposes actually done like 2-3 months ago is $630,000 ish. This ordinarily would place this well above our purchase range, and I would not ordinarily pay over value for any house, however, the seller apparently owns a mortgage company, and has offered to seller finance the house to us. We would go through realtors and essentially everything would work the same as being mortgage through a company except we would directly pay her.
Local mortgage interest rates are like 7.9%, but we have excellent credit, so our bank offered 7.0%. Interest rate originally that was offered by the seller was 20% down and 3.5% fixed rate mortgage over 30 years. Unfortunately, we were not able to come up with the full 20% down payment. We have about 15% that we could put down on the house. The seller has countered our offer again stating that if we do not have 20% down, she could offer us 4.5% interest amortized over 30 years, however, this would have a mandatory renegotiation of the interest rate at 10 years, presumably with a maximum rate increase of one percent per year with a 2% total raise maximum over lifetime of loan. This pseudo balloon mortgage makes me a bit nervous as it gambles on what the interest rates will be in a decade. I certainly foresee housing mortgage rates coming down, however, certainly not below 4.5% ever again.
We certainly are sitting pretty with our current 2.9% 30 year fixed mortgage, which we are essentially inflating our way out of slowly, ha ha. I ordinarily would never consider a balloon or any similar non-fixed mortgage, however, even if this went up to 5.5% I think it would not be a terrible deal, it would no longer be a fantastic deal. We would technically be overpaying for the house by about $45,000, so the interest rate needs to make sense for this to happen. Otherwise the wife and I have already agreed to walk away.
At the 3.5% interest rate, our payments per month over 30 years would essentially be the same as if we bought the house for $500,000 at 7% interest. However, this price goes up obviously as the interest rate goes up. Would it be reasonable or advisable to simply agree to this counter offer with the slight risk of having to increase our mortgage interest rate to 5.5% in a decade or even 6.5% at the worst, or, should we simply walk away and keep our current home home, shut up, and be content with what we have? Or the third option I have thought of is to counter offer something like 4% with similar terms of negotiation of the rate in 10-15 years, or even a 15 year guarantee with renegotiation of the rate thereafter, or countering with a 4.5% 30 year fixed rate. Any thoughts?
TL;DR Currently live in a house with a mortgage rate of 2.9%. Potential overpriced dream house 15 minutes closer to work that includes rental property is very expensive but seller will offer financing at 4.5% but with a mandatory rate negotiation in 10 years. Excellent interest rate makes up for very high asking price, but I’m apprehensive about the pseudo balloon type mortgage. If in my position, would you walk away, counter, or just accept?
submitted by Warm_Ad7213 to personalfinance [link] [comments]


2024.06.01 04:23 Puzzleheaded_Phase28 How is interest rate calculated into monthly payment?

I’m looking into purchasing a car. I have $4,000 saved up. A car I’m interested in is listed on AutoTrader by a private seller who is asking for $9k. AutoTrader lets you get pre-qualified for a loan. Through their estimator, it says if I put $4,000 down, I’ll get an interest rate of 13.49%, and a 36-month loan would result in a $198/month payment.
$198 per month for 36 months is $7,128. I need $5,000 financed but it seems I’ll end up paying an extra $2k to the lender. Is the math correct?
submitted by Puzzleheaded_Phase28 to NoStupidQuestions [link] [comments]


2024.06.01 04:23 amorealty Tips for Finding Rentals Near the University of Tennessee

When searching for apartments near the University of Tennessee (UT), there are several tips to keep in mind to ensure you find the right fit for your needs:
  1. Start Early: Begin your apartment search well in advance of your desired move-in date, especially if you're looking for housing before the start of a new semester. This allows you to explore a wider range of options and gives you time to secure a lease before spaces fill up.
  2. Research Neighborhoods: Familiarize yourself with the neighborhoods surrounding the University of Tennessee campus. Consider factors such as proximity to campus, public transportation options, safety, and amenities like grocery stores, restaurants, and parks.
  3. Utilize Online Resources: Use online rental listing websites and apartment search platforms to browse available apartments near UT. Websites like Apartments.com, Zillow, and Rent.com allow you to filter search results based on your preferences, including location, price range, and desired amenities.
  4. Check University Resources: Many universities, including UT, have resources available to help students find off-campus housing. Check the university's website or housing office for information on rental listings, roommate matching services, and other helpful resources.
  5. Consider Roommates: If you're looking to save money on rent or prefer the social aspect of living with roommates, consider searching for apartments with multiple bedrooms to share with friends or other students.
  6. Set a Budget: Determine your budget for rent and utilities before starting your search. Keep in mind additional expenses like security deposits, application fees, and potential parking fees when budgeting for your new apartment.
  7. Attend Housing Fairs or Events: Universities often host housing fairs or events where students can meet with local landlords and property managers to learn about available rental properties. Attend these events to gather information and ask questions about apartments near campus.
  8. Visit Properties in Person: Whenever possible, schedule in-person visits to apartments you're interested in. This allows you to get a sense of the neighborhood, see the apartment layout and amenities firsthand, and ask questions to the landlord or property manager.
  9. Check for Amenities: Consider what amenities are important to you in an apartment, such as laundry facilities, parking options, proximity to public transportation, and security features. Look for apartments that offer the amenities you value most.
  10. Review Lease Terms Carefully: Before signing a lease, carefully review the terms and conditions of the rental agreement. Pay attention to details such as lease duration, rent payment schedule, pet policies, and any restrictions or rules set by the landlord or property management company.
By following these tips and being proactive in your apartment search, you can increase your chances of finding a suitable and affordable apartment near the University of Tennessee that meets your needs as a student or resident.
When embarking on your apartment search near UT, it's crucial to consider factors beyond just proximity to campus. Take the time to research the various neighborhoods surrounding UT Knoxville, as each offers its own unique atmosphere and amenities. Whether you're looking for a lively urban environment, a quiet suburban neighborhood, or something in between, exploring different neighborhoods will help you find the perfect fit for your lifestyle.
In addition to considering the location of the apartment, think about your transportation needs. If you plan to walk or bike to campus, prioritize apartments within a reasonable distance from UT. Alternatively, if you rely on public transportation or plan to have a car, consider apartments with easy access to bus routes or parking facilities.
As you narrow down your options, don't forget to factor in your budget. Determine how much you can comfortably afford to spend on rent each month, taking into account other expenses such as utilities, groceries, and transportation. Be realistic about your financial situation and avoid stretching your budget too thin.
When evaluating potential apartments, be sure to inspect the unit thoroughly to ensure it meets your needs and preferences. Pay attention to details such as the layout, size, and condition of the apartment, as well as any included amenities like appliances, flooring, and storage space. Don't hesitate to ask questions or request repairs or upgrades if needed.
Consider the overall vibe and atmosphere of the apartment complex or building. Are the common areas well-maintained and inviting? Is there a sense of community among residents? Take note of factors like noise levels, security measures, and cleanliness, as these can significantly impact your living experience.
If you're planning to live with roommates, be sure to discuss important details upfront, such as rent distribution, household chores, and house rules. Establishing clear communication and expectations from the beginning can help avoid conflicts and ensure a harmonious living environment.
Before committing to a lease, thoroughly review the terms and conditions outlined in the rental agreement. Pay close attention to details such as lease duration, rent increases, security deposits, and any additional fees or charges. Make sure you understand your rights and responsibilities as a tenant before signing on the dotted line.
Once you've found the perfect apartment, take the time to familiarize yourself with the surrounding area. Explore nearby shops, restaurants, parks, and other attractions to get a feel for the neighborhood and discover hidden gems. Building a sense of community and connection with your surroundings will enhance your overall living experience.
As you settle into your new apartment near UT, consider getting involved in campus activities and organizations to meet new people and make the most of your college experience. Whether it's joining a club, attending sporting events, or volunteering in the community, getting involved on campus can help you feel more connected and engaged during your time at UT.
Lastly, don't forget to prioritize self-care and balance in your life. College can be a busy and stressful time, so be sure to carve out time for activities that bring you joy and relaxation. Whether it's taking a walk in the park, practicing mindfulness, or spending time with friends, make self-care a priority to maintain your overall well-being.
https://tennesseeapartments.com/rentals-near-university-of-tennessee-tips
submitted by amorealty to TennesseeApartments [link] [comments]


2024.06.01 04:12 JJB23_ Should I file?

I just turned 27… I have about 20k in credit card debt and about 40K students loans I had a leased car which would’ve put me on a clean slate this November but last year i impulsively traded it in and now it’s 30K or so upside down with a 1K payment and $326 insurance. I got into trouble with the law and court fees have been eating me up as well. Not to mention this december i moved into a new house(leasing) $1900/month and then i had surgery that put me on sick leave for 2 months so I used up pto and the rest of my savings. I pretty much can’t catch up with anything and my credit dropped from 708 to 557 which caused my creditors to drop my credit availability and up my credit card usage percentage even more. I’m at my wits end and i’m one more emergency from REALLY being broke. I’m a registered nurse and I need a fresh start. Should I speak with an attorney and would Chapter 7 be good for me? I want to voluntarily repo my car and get a new car but would I have to give it up after I file? I’m terrified of all of this but I can’t afford life right now. Thanks in advance.
submitted by JJB23_ to Bankruptcy [link] [comments]


2024.06.01 04:04 Competitive-Dot-6594 A piece of my childhood.

Everything I type here is 100% true. I still remember having to walk all those miles to school by myself. I was 6 years old. My brother started kindergarten. My step-grandma drives past me to the school. My younger brother waves at me in the car. It was a joke to him. This became a daily thing. She made it her business that I walk. But thinking about it today, I wasn't hers and she had no obligation to do anything for me.
She was your stereotypical Christian, of course. Walk neainto her house, you'd hear loud gospel music. We go to church every Sunday. A fine spot to stick sewing needles in my arms and legs. I'd scream out in pain. "Oh, look at how bad he is with his dirty light-skinned hands! You see what I have to deal with?!"
I couldn't do anything in her house, so I didn't. I was as quiet as a little kid can be and I stayed to myself. If I didn't, she would beat the hell out of me. Being quiet and staying out of her way wasn't enough as my little brother was now of age and spoiled. He would do wrong (Drawing on the walls/breaking stuff) and this is when she adopted her famous: "When one does wrong, whoop both of them!" Walking home from school, I'm greeted with the belt.
Its a shame that horrible (and loud) gospel music didn't make her a better person. I swear to you. whomever is reading this that my one regret in this life is going to her funeral. It was so confusing hearing all the praise, the weeping from friends and so-called family. How can I weep for her? She tortured me. From my perspective, I hope she's burning. And if she's not, I hope I'm allowed temporary access. Just long enough to drag her to hell. I don't care if I burn with her, AS LONG AS SHE FUCKING BURNS!
Ahem, enough about her, its time to talk about my stepfather. What's interesting about him is his abuse was subtle-ish (at the time). He'd accuse me of tone and pitch of the way I speak my words. A hello with the wrong pitch is a whipping. The word "what" was a forbidden word in that house. Not just saying what by itself. Imagine saying: "The teacher didn't mention what tomorrow's homework would be." and getting your ass whooped for that.
Looking back, he was counting down the days until I turned 18. Don't get the wrong idea here. I worked. I got my first job when I was 9 cleaning barbershops. The following year, I started mowing lawns. I have a step-sister from him. She'd pop in and out from time to time. She's amazing. And as we got older, things got interesting.....But that's for another thread. Anyway, when I started working full-time at a fast-food place, it got bad. There was no bus-route to the job.
That's no problem, I walked home and to work. But working 16-20 hour shifts then walking miles home just to have a buff asshole waiting for you to argue over literally nothing got old quick. I paid the rent and never missed a payment. My younger brother saw one of my paychecks and told dearest step-father about it.
Keep in mind my young brother is now old enough to work, but of course doesn't have a job, because he doesn't have to. He complains I'm not giving enough to help the family. Step-father also ruined my credit by placing his crappy car on a shark-loan with my SS attached to it. This was after he used my SS on a house they bought and I helped pay for. He sold it, I didn't get a dime. My siblings did though. Good for them.
Never a (Full) kind gesture with him. There was always a take-back. One example: He bought us McDonald's. After the plates are set my siblings get to eat their food. He snatches a huge portion off my plate. That was one of the subtle things he did to me growing up. I could never have a full plate of food. Even a bag of potato chip required step-father's bullshit tax. And yes, I got whipped if I dared to stuff food in my mouth before he came prowling. The family's secret rule was my younger brother always had the biggest plate.
How dare they ask me to call him. For what?! FUCK HIM! I haven't spoken directly to any of them for years. They are grown now and they are not as bad they used to be? Don't fully know or care honestly. Life has not been kind to them. Especially to my younger brother. I'm not angry at my step-sister though. That kind woman doesn't deserve the way I avoid her. But I still stay away....
submitted by Competitive-Dot-6594 to raisedbynarcissists [link] [comments]


2024.06.01 04:04 No-Assistance-7629 Not wanting to lend money.

I'm tired and I'm stressed. I dont want to lend money. I dont trust nore care if they say they will pay pack. I'm a Christian. I love my family but I dont want to. I explained that things are kind of hard but they don't really get it. I have plans and goals. I could give them money but then I'd have to suffer. I dont feel like suffering. I dont want to suffer. I could give what they asked for and be fine. I won't die. I won't starve. Like nothing truly horrifying will happen but I'd be more stressed. I'd be more worried. I'd be less willing to buy what I want and carry through with my plans. I want to be selfish.
If I was in their shoes I'd want help too. I envy how quick they are to turn to someone else when they find themselves in a financial bind.
Now as I'm typing a family member telling me a message from the family member. "I came through for you when you needed me."
I'm exhausted. Yes after begging and nagging. After I'd already leant money and never got fully paid back. Also with the promise of I'll ensure she pays you back. If not I'll lay you back. After having to beg to be paid back some of the money when I was in a tight spot. Yes. Coming through for me I was happy and called it a debt served in my mind. I never brought up those past feelings. But maybe I should have. Since then I've leant money and said maybe if they don't count what happened in the past, this will be suitable payment for help. Now it's reminding me of how they helped while asking for money again. Should I remember this until a perish. Maybe I'm being too dramatic but I think I may actually be suffering from some sort of ptsd.
Earlier to day, I walked away from a family member wanting to talk to me about lending a family member money. I didn't even realize I was going barefoot towards the prickle patch. I wanted to go for walk I think. The family member shouted out because some toddlers were following behind me like ducklings. I felt out of it. I took them back and started gardening. Still in my work clothing bare feet. The I heard a family member on the phone talking to the person wanting money. Narrating how I walked behind the house. Then I heard them walking towards me from arround the corner of the house. Again I started walking. I imagine myself walking in the street away from home. I'm like why am I imagining walking in the street, the sun is too hot and a car could knock me down. Atleast I wouldn't be bothered. I settled for sitting in the sun on the opposite side of the house.
They won't leave me alone. I feel like I'm going crazy.
submitted by No-Assistance-7629 to Advice [link] [comments]


http://activeproperty.pl/