Auto car payment receipts

I bought my car last October and I have made extra online payments and cash payments and I have enough cash to pay the balance in full. Since I've made extra online payments my next due date isn't till November 2024. So would it make sense to pay the full amount minus a dollar to keep the account active and not accrue major (simple) interest? Or I should I make online payments day after day to keep delaying when I have my next payment and thus increase my active loan time. Thoughts?

I’m trying to figure out how to have cell H5 automatically update the first of every month with the new amount showing the difference by subtracting the value on cell G5 from H5. Any help? Thanks in advance

Hi everyone,
I (25) currently live in NC and will be permanently going to FL soon. My car title is currently in my dad's name and it is insured in his name. I am just listed as a driver of the vehicle. The auto insurance policy expires on July 8th. Obviously, I need to transfer the title, get a new registration, get a new license, license plate, etc. Since I am a little clueless about these things, what order do these things need to be done in? And do I transfer the title in my name in NC or FL? Would that force me to get auto insurance in NC and then transfer it to FL?
Thank you guys in advance!

more info here
https://www.reddit.com/DebtAdvice/comments/17kyud9/should_i_let_my_debt_go_through_into_collection/
despite attempting to pay off a debt after a payment plan months ago, for the first time ever, the company said they had my card info and just needed the confirmation from me and everything would go through. Weirdly no way to record it as an event that took place
this IS a process i've done before regularly elsewhere. Difference is theres only ever been one specific person i call who deals with all this stuff, they have a name and give out a receipt once the process is complete. Very normal and professional.
fast forward to now and i got a letter in the mail of an overpayment existing on the account. i'm told please find a refund check in the amount of the overpayment.
I'm asking here first before jsut calling them because Since day 1 anytime i've been told that they'll handle the rest and leave them to their buisness, nothing gets done and go worse for me if i don't do my own sleuthing. So what am i supposed to do?
TL;DR
Weirdly no way to record a monthly payment of a debt as an event that took place
now i have a letter in the mail about an overpayment on the account
Do i pay?
do they pay?
How do i get them to pay? Even so, while i probably have the money, i DEFINITELY had it THEN.
hence why i wanted to pay while i had the extra income. Now money is tight and and i desprately need for the doctors and to get medicine i literally need to live. So i can't so easily just give out on a whim.
And with a company so sketchy and mismanged it's hard to guage if that would even end things for me or not.

more info here
https://www.reddit.com/DebtAdvice/comments/17kyud9/should_i_let_my_debt_go_through_into_collection/
despite attempting to pay off a debt after a payment plan months ago, for the first time ever, the company said they had my card info and just needed the confirmation from me and everything would go through. Weirdly no way to record it as an event that took place
this IS a process i've done before regularly elsewhere. Difference is theres only ever been one specific person i call who deals with all this stuff, they have a name and give out a receipt once the process is complete. Very normal and professional.
fast forward to now and i got a letter in the mail of an overpayment existing on the account. i'm told please find a refund check in the amount of the overpayment.
I'm asking here first before jsut calling them because Since day 1 anytime i've been told that they'll handle the rest and leave them to their buisness, nothing gets done and go worse for me if i don't do my own sleuthing. So what am i supposed to do?
TL;DR
Weirdly no way to record a monthly payment of a debt as an event that took place
now i have a letter in the mail about an overpayment on the account
Do i pay?
do they pay?
How do i get them to pay? Even so, while i probably have the money, i DEFINITELY had it THEN.
hence why i wanted to pay while i had the extra income. Now money is tight and and i desprately need for the doctors and to get medicine i literally need to live. So i can't so easily just give out on a whim.
And with a company so sketchy and mismanged it's hard to guage if that would even end things for me or not.

So I am 32 weeks pregnant and the baby will be here soon. I’ve chosen not to take maternity leave and to work all the way up until I go into labor due to the financial situation in my household. We make decent money & just bought a house last July. Both my husband and I work full time jobs - he’s a chef & makes about 25$/ hour and works Monday-Saturday from 8-2/3. I work odd days and I only work 4 days a week but at 8 hour days each so Tuesday, Friday 10-6 and Wed-Saturday from 9-5 but I only make 15$/ hour as I’m just a counter cashier & then help my company make snacks in Wednesday but I’m mostly just customer service. Even with the hours we’re working now, we are barely living paycheck to paycheck- we’re almost always late on mortgage payments & my car payment. I am so worried about our income taking a hit while I’m out on leave bc the 400/500 I make a week will not be coming into the house & we desperately need my paychecks to stay afloat. I will probably be out of work for two months minimum to recover from the baby- this is my third child & I like to spend the time to connect and grow with my child after birth and I will be exclusively breast feeding so I will need the initial two months to get acclaimed to our new lifestyle with three children in the house. But what I am wondering is what can I do from home to make a bit of income to try to keep my house above water during this time n Would it be worth it to apply for work from home jobs or should I try to find a side gig, like an mlm or something along those lines? I also do crochet so I was thinking about trying to sell some little things over fb and instagram like potholders and blankets Please help a broke momma out. I’ll take any (appropriate) suggestions to try to make an income while I’m out of work
DO NOT SUGGEST ONLYFANS, FEET FINDER OR ANY OTHER EXPLICIT TYPE OF WORK
Thank in advance

Hi everyone. I have a 2020 GLE 350 Mercedes. The lease term is ending soon. I am trying to decide on a few options. The residual value is $29,300. The vehicle has been appraised for $33,000, but I see these same types of vehicles selling for $38 -40k. Here are a few options.

1. I purchase the vehicle, but if I do will need to purchase an extended warranty which puts my car payment almost close to my current car note.
   
2. I let a dealer or a used vehicle retailer buy out my lease. Both have appraised my vehicle for $33,000. Selling for $38-40k in the market.
   
3. I purchase the vehicle and then try and sell to an individual in which I have never done before. Not sure if I can get top dollar if I sell to an individual.
   

What are your thoughts? Need advice. Thanks.

I make 52k a year. I pay $960 in rent. Never late on my bills. I own my old used car but do have 22k in student loans and 2.5k in credit card debt. 1k in savings.
My boyfriend makes about the same when he is not laid off (trades union worker). He has a lot of student loan debt. He lives with his family.
We want to move in together, my lease is up in November. I would love to move to his small town, houses are cheap there too.
How much should we save for down payment someday? I’m sick of throwing money to rent.

I haven't defaulted on debt yet but I am defaulting on some debt I have 2 capital one credit cards a credit one credit card a synchrony credit card and a unsecured loan one capital one was 1500 one was 440 the credit one was 850 and the synchrony was 100 and the personal loan was 1700 was the amounts before I went into a consolidation program well what incurred these debts my mother lost her job I had the make her car payment my truck payment had to pay the bills groceries etc it was hell n then after several months I went unconscious passed out at the wheel totaled my truck and my job laid me off as well as alot of other a month later while on ui I tryed n tryed n tryed to get all the debtor to settle for less theyd laugh n aay what can you pay im now down 750 bucks in my bank account and i cant afford to keep paying them 130 per month I'm tired of goin without everything I can't seek employment as me being employed has landed my father's critical condition into severe critical condition I have to take care of him and support him and also I wanna add my property 12 acres is gonna be willed to me after my grandma passes idk if debtors will wanna seize property but I'm gonna have to default on this debt IDC what they think my credit score is already getting scalped so its not even doin any good to keep hanging on as soon as I default what's gonna happen? And what do I need to be cautious and look out for

Hope you’re doing well, I’ve posted here before about this same situation. I’m just finding myself with a lot of heartache, and I don’t know where to put it.
I (19F) have been with my boyfriend (21M) for a year and 7 months at this point. I’ve been unhappy for most of that time, beginning with an incident where he exploded at me and my friends on a river trip. His aggression has spiked and ebbed throughout our relationship, and he’s docile in comparison at this point.
I want to leave, I’ve been thinking about it for a while now, but I’m trapped financially. My goal is to cut it off at the beginning of October when our lease is up, but I don’t know where else I’ll go. I don’t have any credit, and the complex I’m with is a perfect distance from my work, my bank, and the grocery store, with rent being affordable enough. I’m just not sure how exactly to go about it just yet.
I’m putting away enough money each month to have a down payment for a car in September, a month before I’m hoping this is over. I feel that once I’m able to transport myself (I’m nervous about driving, I only learned enough from my friends to pass my driver’s test), I’ll be in a better position to move my life in a different direction.
At this point, I hate my job. The management has made numerous bad calls and ignored so many bug reports that it’s led to me and my coworkers having to pick up the slack and take on certain aspects of the role in a way that was never intended. Every other week I work the weekend as well. I just dread my job.
On the other hand, my home isn’t any better. I try to stay positive and composed, but I had a breakdown last night due to some negative changes at work and general frustration at feeling overwhelmed from all ends. My boyfriend just sat in silence until I was done.
I can’t really articulate how I’m feeling at this point. It just feels like I don’t have anything to look forward to, I’m dreading my job, home, and October. I can’t really see the other end of this anymore. I feel like the only reason I keep going is to make sure my little dog has a roof over her head. I’m just terrified all the time. So many bad memories plague my thoughts all the time. It just feels like it’s becoming more than I can handle, and I can’t see what good life has to offer anymore. I just keep telling myself to keep pushing, even though I really don’t want to anymore. I’m so tired, I feel so emotionally neglected. I feel like I constantly dream of safe arms to fall into, just the overwhelming feeling of safety and security. I haven’t found that yet.
I’m not sure what the point of me putting this out there is. I sort of hope that someone older and wiser than me sees themselves in what I’m describing and is able to understand, able to lend some good life advice, maybe a reason that they’re glad they kept pushing when they didn’t see the use.
I’m so tired, I just want to be okay. I want to find myself being happy someday, I’m writing this before going into work, which is beginning to take 110% of my effort now.
Anyways, it probably won’t be like this forever, I just wanted to put these thoughts somewhere. Thank you for reading, I hope you have a wonderful day.

So my mom’s car got towed because of late payments (2 months) she told she was gonna find a way to pay it before the next payment was due (may 17) but they went ahead and towed today (may 14). They haven’t been sending the bills that we owe and she’s been calling them asking them when they’re gonna send them. They kept saying her email on file was right everytime she called to check until today mailed her a letter saying her car was gonna get towed and when we got the paper the email that they put on the paper was not right, and now they’re saying we have to pay 900 to get the car back.
so i just wanna know could this be a legal issue ?

As If It Were Kismet: Prologue
Matt tore through the brush, blind in the dark. He didn’t care where he was going. He only knew he needed to be elsewhere. Far from here.
Behind him a creature howled that shocked his mind. It’s form was cruel and dangerous, though female. Nothing like the young woman she had once been. Nothing but a girl, a small and slight female.
It’s guttural growls and howls only grew closer as Matt tried to pick between seeing where he was going and getting away. The few times he looked he caught sight of the creature behind him. Hopping through the air with a speed that told him he was being toyed with. As if he were a mouse being played with by a cat.
But the reflex in him to run kept him going. His adrenaline going as hard as it could. The tightness and burning in his core tensing and locking up as his legs felt like there were being burned from within while taking on more of a heaviness.
His lungs were starting to betray him as he tried to gulp big breaths of air but only rapid and shallow breaths were all that he could manage. His brain was starting to burn….and then he was falling.
Falling down the side of a hill he saw the creature dart in a spring towards him, imperceivably fast almost. Catching him in mid air it seemed.
Managing to wrap its body around him and cushion his impact against the ground as they rolled. His mind barely took in what was happening during the roll. Only starting to understand what was happening once they were still.
The creature's triple D-cup breasts were unmistakably pressed hard against his back as he laid facing up at the night sky.
For a few seconds the world stilled and the needle light pain hitting the center of his brain took over for the cooking heat his brain had felt. His whole body felt heavy and reluctant to move.
Even if he could have really moved, a dull ache came over his limbs making them feel stilled and trapped as if by immeasurable amounts of sand that had engulfed him.
Slowly the arms holding him started to move. Moving so the creature's hands could start exploring him. Causing Matt to unstoppably let out a pathetic moan that made him go cold inside as hands lifted up his shirt and started to touch his exposed stomach and then his chest.
He would have whimpered so pathetically had he not still been in the depths of terror.
As its hands felt and groped his pecs he tried to situp as if to get away. For his efforts, his reward was a hand around his throat and a collection snarls and growls against his ear. A beastly, guttural voice spat words at him while somehow holding a feminine tone.
“Don’t move….I don’t know if I can calm down…”
Her words were not helped by her moans in his ear and the subsequent kissing of his ear. The flesh of his ear going between her lips as she moaned and seemed to pant. Releasing it and licking the side of his face with a moist warmth. He could feel its spittle, viscous and coating his flesh where the tongue touched. He could smell something in his saliva. Something that subtly entranced him.
Matt went stock still with fear and the confusion of mixed arousal. He barely perceived her right hand traveling lower on his body. A surprised moan and shudder echoed in the night from Matt’s lips as she took ahold of him. Her hand above his pants but still….stimulating him.
A light squeezing and almost probing of her digits kept him aroused and confused within her grasp. Resigning himself to the strange fate, Matt looked up at the stars as his mind tried not to shatter under the strange maelstrom of events and sensation that had started mere minutes ago.
His mind was only more confused as a slight figure, feminine in build, how it seemed to thunk the ground audibly as she landed on her feet out nowhere. Her knees barely bending under the pressure of the landing. Yet dirt was kicked up anyways and some of it onto Matt. Feeling it pepper his shirt and pants as it fell.
The figure, lit only faintly by moonlight, roared some dark tone Matt could only perceive as a demon as her eyes went bright with a crimson light. A light in the darkness that should not have been. “Let him go you bitch.” Was its words following the roar. Spittle escaping its mouth with faint droplets hit Matt's face.
The creature holding him by his throat and crotch seemed to tighten the grasp of both hands as it roared back. “HE IS MINE!”
The figure paused with a moment's hesitation. He was also her quarry. She had felt his fear without him knowing. His confused arousal. His fear. His terror.
And now he laid at the center of a struggle between two monsters. Unsure of who he wanted to win.
As If It Was Kismet Ch. 1
Matthew Berkshire hadn’t seen his mom in two years. Not that he had seen her much over the last six years.
A messy divorce between messy people and mom’s chaotic want for a life in Alaska had been one of the most…upsetting times in life. Setting him up for so much of what had defined his life thus far but then that had really started two years before he ever turned.
His ear buds were basic and simple. A part of cheap five pack, common for his life as he was known to lose little things. Small things. They had a mix of metal and hard rock playing in them. Some classics, some alternative. Whatever made him feel something, anything. Even if it was hate. Anger. Rage. It was better than feeling numb. Not belonging.
The escalator down to his lone bag to go with his lone carry on showed his mom waiting for him. His had a type, that’s for damn sure. Not that it helped him in the genetics department as he was stuck at 5’9” to go along with his mother’s five foot even as his dad stood six foot. Forever leaving him to feel small, to pale, under his dad’s shadow. Did he ever stand a chance?
The guy next to her with the unkempt former seventies porn stache was “Dave.” He’d met him twice when his mother came and visited him in Florida. To his credit the guy didn’t look annoyed. Kind of concerned kind of which made Matthew want to break his frozen look but he was well practiced. Having removed any note of sadness from his face through much…tribulation.
His mother’s look on her face betrayed a hint of worry as the bruises on his face lightly showed up close. Saying his name was his like a distant echo that belonged to someone else.
Dave cut in and pulled out his right headphone. “What the hell bud, they knock you hard enough to hurt hearing? Your mom’s asking how you are doing.”
Matthew pulled out the other bud and grunted an empty “sorry.”
“You still have bruises after two week? What did they do to you?” His mom’s voice was full of worry. Something he hadn’t heard in….too long. Too long to make him feel anything. To ever make him believe there was any sincerity to her words. To not think her voice and mannerisms were an act. An act by someone who…wasn’t really there.
“It’s only fair. I took a nose. Fractured a couple orbital bones. Left one with having to get his jaw wired shut. And one will never walk right again for what I did to his knee cap.” Matthew said it all with a bored and disinterested tone. Perhaps well rehearsed.
“My man, handing out ass kickings, not bothering to take names.” Dave was quick to be the typical man’s man about it. Matthew wasn’t quite done yet. Lifting up his shirt to expose the right side near his kidney. Revealing a nasty scar from a six inch blade. “Luckily they gave me this first so they could rule it all in self-defense. The fuck didn’t get it in more than inch before I ruined his knee cap and then I took the nose of one of the fucks holding me.” Now he chose to smile keeping the well practiced dead look in his eyes.
No retorts. No questions. Just horrified looks on their faces. As he liked. As he preferred. They could hate him. They could be disgusted by him. But by God they would fear him.
“Well the doc did a good job sewing you up.” Dave commented uncomfortably. “Dissolving sutures. Ain’t they grand.” He smiled again and let it abruptly fall off his face and started walking to the carousel for the baggage claim.
Waiting and making small talk with Dave as his mother stood in silence. He was not the little boy she abandoned. The little boy she left with an angry man. While never hitting him. Left him in constant fear till he turned twelve and just didn’t care anymore. Something snapped. Broke. And he didn’t care if he died. Didn’t care if he stole. Didn’t even care if he killed. He just knew not to get caught. Something left over from his grandfather’s wisdom which came to make more and more sense with each passing year of life since that thing inside him broke.
Finally his bag came around and Dave went to try first to grab it but Dave practically leapt ahead of him. “Is that your grandfather’s rucksack bag?” his mother asked in a perplexed voice.
“Figured it’s been around since Viet Nam. So it’d serve me better than any of the worthless stuff they called luggage.” Dave commented after Matthew’s words. “Well hell yeah I still got mine from Desert Storm. You know the first one.” Dave laughed and Matthew eyed him oddly. Be it in the south or whether it was Alaska, country boys are country boys he guessed.
The car ride to the two people’s house, as Matthew thought of them. Was uneventful and full of vistas he imagined metropolitan types wetting themselves over. At most they meant isolation to him. Furtherness from the world as there were no mountains in Florida. And what mountains he had last seen in another state had been when he was eight. Another life, to Matthew it felt like. A life alien to him.
As If It Was Kismet Ch 2
Dave and his mom’s place was some two story type tucked into a tree line far up an elevated point. It was by no means the highest point in the mountain but it certainly felt up there.
Rocks were where the driveway should have been Matthew thought. Grabbing his backpack and rucksack from Dave’s jeep was no hard thing for him. Matthew was in formidable shape for someone his age, maybe even five years older. He had gotten a mix of fairly big shoulders and arms along with the chest to go for it when compared to most kids his age. A side effect of working out at least twice a day. First thing in the morning, some time in the evening, and the school’s gym when had had a good semester in school before he had to leave Florida.
Dave tried to come up and help him but Matthew walked past him towards the house. His mom was not sure what to make of his demeanor. Matthew was not the sweet kind boy he had once been. But she had been gone from his life essentially for a long time.
Ushering him into the house she cracked some joke he did not hear. He was too busy looking about and seeing a mix of old outdated decorating mixed with the strange and odd flair of his mother. Color contrasting against drab and dated. Like brightly painting over an old home that was falling apart he thought.
“Your room is this way Mattie.” His mom brightly intoned.
Without expressing any interest he followed his mother. Still faced and nonplussed. Just going along with the current. Pushed and pulled with its roll like a piece of driftwood.
The room was simple. A single small bed. A set of rubber weights with a curl bar and barbells. “Your dad said you were into weight lifting so we got you a bunch of stuff. Dave says it looks like his department’s gym almost. The woman’s smile felt very alien to him.
“Thank you. I appreciate it. I’ve got most of my stuff from home.” Matthew starting unpacking his rucksack and pulled out cables of repetitive and mixed colors. A single plastic barbell handle. The ruck sack could be filled with water bottles for added weight during pushups he figured. Remembering a Michael Keaton movie he watched with his dad post-Batman movies where he played a convicted killer using plastic bags filled with water for weights.
Matthew caught movement outside his lone fairly large window that could let him step out onto the roof of the house given its layout.
He saw a number of people running together through what he guessed was the backyard of the property, not that it had any fences to mark boundaries
They wore clothes that looked similar yet different from each other at the same time.”Oh those are the Johnston’s. Really nice bunch of people. Been on the mountain for a long time Dave tells me.”
Matthew looked at the group of people running and noticed the lack of resemblance. “They are related?” Matthew quizzically asked. Seeing a black and possibly a hispanic person amongst the bland looking white people.
“Oh well they are all adopted but for one or two of them…besides the parents of course. The family has a long tradition of taking in orphans they say. Real nice of them to do that don’t you think.”
Matthew looked at his mother and the hosier accent made no sense to him as he arched his left eye brow. Her and his dad were both from Florida. Born and raised. Sure her parents were from New York city but…
Matthew shook his lightly without turning to look at his mother as his vision was grabbed by one of the runners in particular. A girl of moderate height. Soft brunette. A plain beauty he figured with a slim build….and lack of remarkable breasts and rear to make any note of but….girls in general were his type at his age.
She was pretty enough. He couldn’t deny that but he found himself transfixed by her visage.
But the way she turned and looked at him, especially at that distance felt very disconcerting to him. Even if she was smiling like…she was a taste of a bright shiny day. Somehow.
Matthew’s mom noticed the exchange and smiled to herself with closed lips. “Oh that’s Vicky. She’s your age I think. Very sweet girl, who does the charity functions. You know bake sales, blood drives, car washes and the like. I think you should get to know her. Might be good for you.”
A truck horn sounded a couple of beeps in rather succession. “Oh that must be Mack, he said he might come by later this evening but he seems early.”
Matthew’s mother turned and left his room. Leaving Matthew to exchange a few looks with the alluring Vicky as she turned her head away from him to talk to the others in her group and look back at him.
Still Matthew’s left eyebrow was arched. In a way that reminded him of Spock from Star Trek that he and his grandpa used to watch on some streaming service or another.
As he heard ambient chatter elsewhere outside the house he figured to check it out as the alluring sight of Vicky would be around he figured. It was dull to stare at artwork. He was a boy who preferred jet skis and the like. Something he could ride and enjoy immensely. Even if at times it got him stabbed.
As If It Was Kismet Ch 3
Matthew sauntered out of the house and down the rockway that stood in for a driveway.
A few new people had come over from what he could first surmise of the situation. As he got closer it was obvious they were indigenous people. A couple of grown men…and a girl?
She was mousey. Maybe five foot. Hiding behind glasses and a big camo jacket that was far too big for her. It looked made for a grown man and the backwards trucker hat on her head kept her long black a beautiful mess of sorts.
She was cute in a way. A little androgynous but she had a cute energy to her. She reminded him of the more tomboyish Puerto Rican girls he had gotten into back in Florida. Given the deer corpses in the back of the truck….probably more dangerous to play with given the men in her family.
Small chatter passed between the adults when the girl noticed but turned away, trying to hide the tiny hint of a smile.
“Oh Mattie, this is Mack. He works with Dave at the sheriff’s department and John, he’s with fish and wildlife.” Matthew nodded at his mom’s words with some blankness as he looked at the deer the in the back of the pickup truck.
“Gale tells us you hunted with your dad some in Florida and Georgia.” Mack offered with a light hearted laugh camouflaged by his big simple and cheery but husky way he spoke.
Looking in the back of the truck he spoke. “We used lever action thirty-thirties and Mosin Nagants in seven-six-two-fifty-four-rimmed.” Mack and John whistled in an exaggerated fashion. Leaving Matthew to wonder if they were mocking him.
Mack spoke. “Well we just used thirty-odd-six in a custom gussied Garand.” That caught Matthew’s attention. “You have a Garand…” Matthew finally demonstrated interest in anything. “My dad has an SVT-40 and a Hakim 8mm but he always wanted a Garand but was too cheap to buy one.”
Gale, his mother, chimed in loudly. “Oh his Dad loved his guns but was such an odd duck about how he bought or why he bought them. Never made sense to me how he wasn’t a collector but he didn’t get the latest and greatest.” Gale laughed uncomfortably. At least it seemed that way to Matthew.
Matthew pointed to the girl with an underhanded pointing hand. “And who is this? A cute little mute mouse or does she have a name?” Dave and the other men laughed.
Mack again spoke. “Well you people call her Rebecca, she’s my adopted daughter.” Matthew was taken aback by what he heard. “You people?”
Rebecca kindly spoke with a soft but almost melodic voice as she struggled to maintain eye contact. “White people or rather not members of our tribe. It’s just easier to appease the colonizer kind of thing. Borrowed from when the Jesuit missionaries chased us up here.”
Mack stepped in. “It’s just easier to have white people names than have them try to say our tribal names. And we don’t want them shortening or Anglicising our names kind of thing.” Rebecca stepped back into the conversation cutting off her adopted father. “It’s an insult to our history basically.”
Matthew cocked his head sideways raising his eyebrows shortly before letting them drop. “Well as soon as I’m eighteen I’m out of here and back to Florida so I’m a sort of involuntary colonizer of sorts. So I won’t be taking any of your land from you. The Seminoles on the other hand are still shit out of luck.”
Rebecca’s smile caused Matthew to reflexively smile. Mack made the moment more awkward. “See Becca, I told you someone off the reservation would like you some. You just have to be creative.” Mack laughed in a chiding manner…Matthew presumed. He sensed that he was the butt of some kind of cultural joke. Like marrying a white guy was some sort of insult or mark of shame. That kind of thing.
Rebecca turning away from him was not something he had been expecting. Her then getting in the truck in a huff left the group in a silence for a moment.
Dave spoke to break the awkward silence. “Well just bring the truck to work on Monday and leave it for me to grab up.” Mack acknowledged Dave and they started to get off as Rebecca looked at Matthew for another instance. Matthew couldn’t look away for some reason as the two seemed to lock eyes for an instance.
Till Vicky and family seemed to come jogging down the road. While Matthew’s eyes diverted from Rebecca’s. Hers did not till she realized he was looking elsewhere. And her vision found Vicky and what had been a hint of smile on her face turned glum and disappointed.
Matthew did not look away from the vision of Vicky but instead of a starry eyed fool looking longingly. It was a baffled look. Well baffled for him, with his eyes drawn narrow and night with a focus.
There was something about her…he couldn’t quite put a name too. The way she appeared to him. One second brunette. The next second blonde or blonde like. As if the color appeared in her air and disappeared in fractions of seconds. Much the same way her body almost seemed to…shift…very subtly…smoothly. A nicer bum. Larger breasts. And then back to a simple and plain form. Feminine no doubt. Attractive. But not so…remarkable.
As If It Was Kismet Ch 4
The next two days passed without incident. Nothing of any real substance or challenge to note.
Matthew got settled somewhat and started working out almost immediately. Exploring around the woods but Dave told him not to go far. Especially without a hunting rifle. Dave had left a simple semi-auto Winchester out for him. His bear gun as Dave referred to it with its four round magazine. But Matt figured till he got some practice with the rifle to leave it alone. He made a hiking stick like his grandpa taught him and treated it over a low fire. He would take some electrical tape for the end his hand would grip around. Plenty enough to ward off anything smaller than a bear he figured.
The ride to school was a pain in the neck but simple enough. Dave would let him use a clunker pickup truck he had laying around. It wasn’t pretty but it would get him to and from. Even if it was from the eighties and still backfired on occasion. But for now Dave and his mom took him on their way to the sheriff’s department.
It wasn’t much of a school. It wanted to be modern but its fifties original construction was very obvious. It serviced the pipeline families and familys’ of fisherman who worked the seasons in between their time at the pipeline.
Matt was to report to the principal for some reason Dave and his mom wouldn’t share. Which annoyed him but he figured it was to read him the law of land. Small towns with their big views of the outside world and like.
Dressed in jeans, a grey sweatshirt under a light jacket with steel toed boots set him more apart then he expected. His buzzed head didn’t help matters. Already he was feeling like a stranger in a strange land but he was quite strange after all. And he liked it that way. Normal people were so pathetically disappointing to him.
A secretary or assistant or some such led him to the principal’s office. Where it reeked of real wood that was old and fabric and upholstery that needed to be updated for the last twenty years, Matt figured.
“This is Matthew Berkshire, Principal Andrews.” The man was turned with his back to the door and he was quick to wave her off as he turned her around.
He was an older man. Fat and large. Tall with a body built like he had once been fit and a demeanour of annoyed and irate already as he fixed Matt with a scowl and look of disgust. Another worthless government whore. Matt thought to himself. His father and his grandfather had bestowed unto him a natural disrespect for government workers and the figures that wore unjustified authority as a shield but pretended the weight of the state was not at their back ready to crush all who resisted. Little figures of valor pretending to be mighty and alone but acting with the tyranny of the state and all the backing.
“Mr. Berkshire, please sit down.” His tone wasn’t unusually hostile, just gruff. As if he had better things to do.
Matt complied and took a seat in the chair while maintaining a friendly facade. Not everyone was an enemy. And not everyone needed to be an enemy. Even if anybody could be any enemy. There was no reason to make enemies you didn’t have to. Another of his grandfather’s bastardised wisdoms.
“Well I looked over you file and you have quite the history Mr. Berkshire.” Matt resisted qiuping back a joke. Instead he waited for Principal Andrews to continue as he remained nonplussed and looking as if he felt no need to respond. A simple head tilt with dead eyes looking back at the principle as if he was not even there would suffice.
Matt’s reaction or lack of a reaction rather made Principal Andrews only narrow his eyes with examination. He was not used to a kid not responding to him. Especially with his gruff and hard act going on.
“Well by all accounts you moved here after some problems at your last school. A fight broke out and you did some real harm to your fellow students it appears.” Of course, he would take the side of the perpetrators. School administrators always did. Especially when they weren’t white. Just a fact of the times. Cowardice and pathetic mediocrity was the way they leaned, like good government workers sucking the dick of Big Daddy government. Worthless whores.
Matt chose to reply. “Oh you mean the criminals that stabbed me. Got arrested at the hospital and then pled to felonies. Yeah Florida, with the American counties are good like that.” Principal Andrews went real still. No shame. No fear. No penitence. He didn’t like that.
“Well be it as it may Mr. Berkshire we don’t tolerate that kind of behaviour here…” Matt cut him off responding with a deadpan tone. “You mean self-defense meant to save one’s own life while the cowardly and pathetic school workers look on with zero interest but to keep their money rolling in and will allow known gang members with records of violent acts and crimes that should have them expelled many times over, where in certain Democrat counties such cowardice and idiocy empowered a couple school shooters?”
Principal Andrews looked at the Matt with a note of disgust. “Look here Mr. Berkshire, your beliefs matter not one bit here. This isn’t Florida. We don’t like our way of life being disrupted by outside agitators who have problems with authority.”
Matt did his best not to roll his eyes and let the older fat man drone own as he dead-stared him. Lifeless and without emotion.
The man came to a finish and Matt spoke up without having listened to him or paid him any attention. “Great now that’s taken care of. Can I please get to class and finish my sentence of two years at your wonderful school?”
Principal Andrews huffed and snorted before calling in Vicky. Vicky stood in the corner after entering with a quiet and seamless presence. Matt felt disturbed and tried not betray his feelings as the young Vicky was perceived and not perceived to be moving.
Principal Andrews made the introductions and Matt nodded back. She was to be his chaperone for the day. They had the same classes and she was to show him the ropes so to speak. The ins and outs of the school. The locations of their classes.
He recognized her. It was hard not to. The way her appearance seemed to shift fluidly almost. The petite and skinny brunette ever so lightly had a big bust and blonde hair with curves added when she seemed to shift before his eyes. Like watching a film but each frame had a different person.
Matt didn’t say anything about it. Even if he did he would only be acknowledging his crazed state, if he had one. If.
Unlike an obedient puppy dog he got up in a slow and awkward fashion and followed behind her as his oddly disproportionate frame allowed. Causing her a note of concern for some reason. As if she was seeing something she shouldn’t have been….Or he was just weird. And Matt could admit to himself he was just weird. Part of his charm, he would jest about it at times. Not that he had many people to jest to now.
As If It Were Kismet Ch. 5
Following Vicky into the hall off to their first class was simple. She exchanged small talk and he slightly smiled as if to obviously suggest he was just being polite.
Inside his head, Matt was trying to figure out if he was having a psychotic break. The way Vicky looked kept changing and he looked at the other people around him and they stayed the same.
He was searching his mind as they were walking. And thus he wasn’t paying attention to where he was looking and so fell to his face forward over his feet seemingly out of nowhere.
A series of laughs erupted as it sunk in that he was obviously tripped. Like in prison this was a challenge to his superiority. If he let this pass he would be mocked and sneered at by this same group of boys. He wouldn’t walk to them like he was going to do nothing like a little bitch.
In a rage he turned and punched the stomach of the first face he saw. Some typical blonde haired wannabe jock. He knew from experience not to aim for the ribs. Instead he needed to aim for where he thought the belly button was.
Yells and screams blindly echoed around him as his after the punch he followed up his elbow of the opposite arm slamming into the face of the jock. Harder than a fist, the elbow struck the jock’s jaw and seemingly dropped him against a locker. Just in time to catch an errant and soft punch to the nose that sure enough hurt but did little to slow him down as his dad had taught him to fight through the pain. Blood and scars happened. They were a natural consequence of life to a man.
Taking the punch and falling further into his red state Matt headbutted the punch thrower before another guy arm bared his throat from behind. Which he managed to get his grip on the arm over a letterman jacked and jerk the unprepared boy to the side with him still latched on.
A few feet away from the lockers Matt knew his only chance was to jump and push off the lockers and knock the boy to the ground and so he did. He heard a thunk of the boy’s skull bouncing off the ground and he turned to pull out of the grapple.
The beatings he had taken from his father, the grapples, being choked unconscious. Had prepared him for fighting little bitches who didn’t know what a fight was. It wasn’t gay porn with rabbit punch fists flying.
Blood was running down his face and the pain started to hit him as the threats had been eliminated. Only then did he remember to breathe. Taking breathes as Vicky came up to him with tissues and took a hold of his nose.
“Owww owww owww what the fuck my nose could be broken.” He said to Vicky as she pulled his head up and back.
“It’s ok Carl. It’s done.” Matt tried to look to see who Vicky was talking to. It was a boy taller than his 5’9” by more than a small margin. The boy eyed him bored and annoyed before speaking. “What happened here?” An unoriginal line but one Matt couldn’t be a smart aleck about. “Well you see there was an outbreak of tripping and we all tripped over my dick. It happens.” Matt was about to laugh when Vicky seemed to pull up while still gripping his nose causing Matt no small amount of pain which he audibly evidenced.
Vicky spoke in a tone he wasn’t expecting. As if she was accustomed to issuing orders. “Keep Iris away from the hall till we sanitize the site. We have blood from at least three people contaminating the site. And have Jake bring me a spare jacket and shirt for this moron.”
Carl seemed to acknowledge her orders and seemed to blink away. Maybe the punch hit harder than he expected. He had no time to wonder as Vick took her hand away from his and pushed him against the lockers. With ease he had not been expecting from her form and stature.
Before he could respond Vicky licked his blood covered chin and then his lips and spoke to him. “Focus on me you little blood bag.” Her tone had an annoyed yet feminine sneer.
“Look into my eyes. Look at me. You belong to me. You are just another food source in a collection of food sources.” Her eyes were a beautiful hazel Matt thought. Almost green. Pretty like jewels in some old treasure collections. The eyes he could get lost in before kissing her. Finally Vicky was just a slight and petite brunette and he thought she was beautiful.
She would make a hell of a girlfriend. Some cute thing he could see laying on the beach in Florida on their sides laughing and smiling before trading light kisses while hands wandered innocently. Before his mind could drift further he felt her lips on his. It took him a second to mentally grasp the kiss but his arms were around her back as her hands were at his sides. His eyes reflexively closed as he saw hers close.
It was ineffable to Matt. Beyond words, what was happening. The kiss, the moments beforehand. The way his brain tickled with electricity and gentle warmth. He had never had a kiss like this and he had traded more than a few kisses with at least a few girls.
The kiss was like a warm bath with his consciousness slipping beneath the surface. Their lips only parted to try new angles and approaches as Matt struggled to take in breath. It was a moment he could have stayed trapped in for….he didn’t know. But a curt throat clearing by another girl pulled them out of the moment.
The girl was taller than Vicky. Blonde. With slight curves. Vicky addressed her bewildered and gobsmacked, and perhaps a bit embarrassed. “Tina?”

Mk6 GTI 133k miles
Long story but the bottom line is 5 months ago I paid a shop to replace my oil pump after I replaced the sensor myself and the warning light and beeping with “turn engine off now” kept coming up.
5 months later now it’s doing the same thing.
Same mechanic at the same time diagnosed my clutch as needing replaced after he replaced the slave cylinder as my clutch was still losing pressure. Come to find out (after my car was still losing pressure $1400 later with him I took it to another shop) it was a cracked plastic pipe below the master that was causing the issue. Man wanted me to replace my whole clutch instead of bleeding the system correctly and finding the leak. He already had the battery out and didn’t bleed it and checked. He just assumed it was my clutch. He wouldn’t give me receipts for the slave or the oil pump he replaced when I got my car back. He also took my car TO HIS HOUSE without my knowledge. I had to pick it up from his home.
Now I’m wondering what’s going on. Did he actually replace the oil pump? Does it really need a new one this soon? Or why else would the light be coming on again?
Also to note, I have a wheel sensor issue throwing codes and affecting the abs system.
Please help 🥺
After driving the car to work it does have a distinct hot smell of oil. Heeeeeeeeeelp 😭
TIA - Cinthia

Luxury car payments are deals with the devil and they depreciate so fast, there is zero point in driving anything luxury unless you have millions saved. Don’t do it. Invest that money. I promise you will need it. Fuck your ego and aspirations, grow up and buy something responsible.

I pursued arbitration against a car dealership that took advantage of me and won. Specifically, it was for a vehicle lease and the Arbitrator awarded me damages under 15 USC 1640a, 2, A, ii where it provides a statutory award of 25% of the total lease payments not to be less than $200 and not to exceed $2000. Well, the Arbitrator found that they violated Regulation M so I was entitled to an award under this statute...but she awarded me $200, the absolute minimum. Now, 25% of the total of my lease payments was well over the $2000 max, so I should have been awarded $2000. Am I reading this incorrectly, or was the Arbitrator biased?

I am in Texas and would like to shop my auto, home, and umbrella policies. I know the auto is 6 mths but would like one 6 mth payments to be co term’d with the home and umbrella policies.
My existing policies due are totally random times but to get the most discounts a lot of companies at least want home and auto bundled.
When I find a company I want to go with and cancel my existing ones, will I get a prorated reimbursed for the remaining time or will it just be “lost”?
I believe this might have to do with Texas law, but figured I am not the first to go thru this.

It turns out that my in-laws have been hiding significant unsecured debt and just hit crisis point. I'm really upset about this situation and could really use some perspective.
Debts appear to be:
£12000 PCP balloon payment - due in July £400 monthly repayments on pcp car finance (£800 total left to pay) £800 holiday finance £12000 loan from estranged family £8000 credit card debt -0% until August £5000 payday loan
They own their house outright and it's worth about £200,000. Monthly income from pensions and MILs part time job is about £3000 post tax.
My husband already lent them £1000 before we knew about this and paid off the predatory loan this morning. My suggestion is that they sell the new car, we lend them enough to pay off the various finance companies and secure the debt against their house. This would wipe out most of our savings and they won't be able to afford repayments. I feel absolutely gutted but I'm not sure what else we could do. If they lost the house I think it would literally kill MIL.

Due to losing my job, I missed some car hire purchase payments and the car was returned to be sold.
Today, I've had a letter to say the car has been sold for £10,000 and I owe a balance of £6,500.
My car is Citroen C5 Aero upgraded alloys and has only done 20k miles.
The cheapest one available online of the same year is £13,500 and has done 68k miles.
I'm totally broke and this seems like they are taking the Mickey.

I’m a 58 year old single man. I make about 50k yr and own a home with about 9 yrs left on the mortgage of $850/mth. I have about 30k in loan debts and absolutely no cash flow. I have 2 roommates (one who is a romantic partner) which helps me with about $900 extra a month. Even with the extra income I’m falling behind. I currently have 253k in a 403b which is ok but not at a level of want it to be. I’m driving an 18 year old car that is not going to last forever. Five years ago I felt I was ok with where I was financially but emergencies and unforeseen extra costs on car repairs/leaking shower construction costs have eaten up that cushion. I needed to rely on credit cards just to buy basics like groceries and now have debt consolidation loan payments of $387,$340 and $333 which is over half of my take home pay. The panic and overwhelming sense of failure and financial doom has me paralyzed and unable to think straight. Help!

Hi Reddit,
I'm at a loss as to what to do here and need some advice.
A few days ago, my best friend Matthew sent me a screenshot of an ad on Facebook for a car. The ad was put up by his coworker, a guy named Derrin who Matthew was friends with on facebook. Matthew knew I was in the market for a replacement to my current vehicle which is a rusty deathtrap that is leaking oil constantly, and when he sent me a picture of the ad, I was ecstatic. The car was insanely priced for the mileage, but as it was posted by Matthews coworker, I didn't see the price as a red flag. The post said they bought a new car and want to get rid of the old car to make space.
I text Matthew that I'm very interested in the car, and that I'd love to get in touch with Derrin. Matthew writes back that he doesn't have his number, but he'll message Derrin in Facebook and pass along my phone number and let him know I'm eager to purchase the vehicle.
Matthew goes on to tell me that Derrin's a good, trustworthy man, and we both relished in the possibility I might be finally rid of my deathtrap on wheels.
A few hours later, I get a text from Darrin saying he saw Matthew's message and that the car was still available. They sent a few photos of the vehicle and for the most part, they looked great. The car matched up to the post, and the multiple photos were of the same vehicle taken at the same time. I was excited. Derrin requested a deposit of $500, and I accepted. I asked for a venmo account to send the money to and was given an @ handle with someone else's name on it (a woman's). Now, I have couple friends that use one another's venmo accounts, so this didn't strike me as odd at the time. I sent the $500 and was told by Derrin we would be setting up a meet to test drive the car and if I didn't like it, I'd get my deposit back. Sounds great.
I text Matthew that I put a deposit down, and we both share the excitement of a new car for me.
Then comes the next day.
Matthew works nights, and Derrin is part of the day shift that replaces Matthew at 5 in the morning. As he was clocking out, Matthew saw Derrin getting ready for his day shift, so he goes to Derrin to talk about the car. However, Derrin has no clue what car Matthew is talking about. When Matthew showed Derrin the ad, Derrin was shocked. He never put the ad up, and it quickly dawned on both of them that someone had hacked into Derrin's Facebook to put the fake car ad up using his account.
Matthew immediately texts me and tells me to cancel the venmo payment, and briefly explains what just happened with Derrin. I jump onto venmo and open a ticket to try and save my money.
I'm a bit bummed, but $500 is not the end of the world. Other people have been scammed for much more, and while I don't have a lot of money, I'm not taking a massive hit financially.
Matthew, however, feels terrible. He feels guilty for having passed along the ad and giving my number to a scammer who then successfully stole $500 from me. He texted me that if Venmo doesn't get my money back, he will rectify it, meaning he'll likely pay me $500.
Well, Venmo reached out and said I'm shit out of luck and that no payment cancellation or refund would be possible. Now here is my dilemma:
I don't want Matthew to give me $500. I don't blame him at all for sending me the ad. He was just being thoughtful and knew how desperate I was to replace my crappy car. I don't blame him for not seeing the red flags because, even in hindsight, I'm not sure I would have ever seen them. I never imagined someone would hack a person's Facebook to put up a fake ad. How lucky they were that Derrin didn't log into his Facebook sooner to see the messages inquiring about the car. It's brazen and stupid, and somehow it worked.
The only person I blame is the scammer. Both me and Matthew are a victim here, and I don't see why Matthew should lose $500 just because he was being a good friend. I haven't told him yet that venmo can't recover my money, and I don't know if I even should. As far as I can tell, my options are:

1. Tell Matthew venmo can't recover my money and he pays me regardless of my insistence that I don't want it.
2. Lie to Matthew that venmo was able to recover my funds so he doesn't feel obligated to reimburse me.

What should I do here?
Tldr. Friend and I get scammed, and he wants to pay me back my lost money. I don't know if I want it.

I’m just wondering have you ever pushed the Parking button in the right stoke while driving, specially when you try to disengage the Auto Pilot and the car asks you to send feedback!