Car payment receipt template

Please give me your opinion.

2024.05.19 07:03 supersparta66 Please give me your opinion.

I have been through a personal finance class but after separating from my ex, hotel living for a time, making poor choices too, and having several automobile issues I racked up roughly 18k in cc debt.
Currently making ~$3200/month (sometimes $3500 with OT) Rent $1625 (looking to decrease this to $1525 by dropping my gated parking) Internet $75 Car payment $198 (~$9000 left owed, through my Job) Debt federal hardship loan through Symple Lending $399 (thing I am most curious if anyone has experience on. I had such a low tolerance for more stress, I made the choice to go through them instead of handling it myself. Still happy with that. Already was 3 months behind on payments had no cash to catch up and minimum payments for both were more than this) Electric bill ~$120 Groceries are hard to budget, I have celiac disease and have been kinda barely eating (with two autoimmune disorders I’m losing weight, hoping to get more money into groceries) Gas ~$250 Daycare ~$200 Prescriptions ~$80
Bare minimum roughly ~$220 leeway for food? but has not been that way. Sons mother, ex, tore meniscus and had surgery so had been supporting what was needed for solely for kid. Most of my food is for kiddo.
Obviously trying to increase income, promotion waiting but no guaranteed timeline. Have had a few job interviews for same pay jobs but closer to kiddo and home for less gas money. Also looking for a part time evening second job the 3 nights I am free had tax refund help + some money from my parents to help buffer over last 2-3 months.
Advice? Thoughts?
submitted by supersparta66 to personalfinance [link] [comments]


2024.05.19 07:00 Busy-Veterinarian896 Sport-L vs Sport Touring Sound System?

I'm in the market for my first car purchase. I've been driving my 2012 Nissan Cube since I was seventeen years old and am going to be getting enough money in the upcoming months to put a heft down payment on a new car. I want to get a CRV hybrid, because I want this car to last me another 10 years before I need to buy one. Hopefully, by the time I need to pay to replace the battery or get a new car, I'll be well enough into my career to have a stable income and a better credit score lol.
Looking at the price of a Sport-L vs a Sport-Touring, it's hard for me to justify NOT getting the touring. It's only a few 1000 more.
For those of you who have driven both or have one of them, how do you feel about the sound system? That's the main thing that is keeping me in the ST camp instead of the Sport-Ls. My current car can't play any music from my phone anymore, so I know I'll be happy regardless, but I just want to know how big of a difference it is, and whether you all think it's worth it.
I'm trying to avoid doing a lot of test-drives. I've driven CRVs in the past because I have friends with them (gas versions though) and I've got bad enough social anxiety that I want to avoid it. I'd rather just test drive once, then get the car and be on my way.
submitted by Busy-Veterinarian896 to crv [link] [comments]


2024.05.19 06:47 Clear-Advertising-80 [REQ] ($150) - (#Hanover, IN, USA) (REPAY $210 by 6/30/24) (VENMO, CASHAPP)

Hey. I haven’t ever borrowed but would really really appreciate anybody willing to help.. I need $100 for car payment and 50 for some gas until the 30th (my next payday). I can pay 60$ in interest would be no problem. I genuinely appreciate any consideration 🩵
submitted by Clear-Advertising-80 to borrow [link] [comments]


2024.05.19 06:35 prettyinpinot Asked for a separation tonight. When I write down the reasons, it sounds like a no brainer, so why do I feel so guilty?

He (32M) and I (30F) have been married for 10 years. 2 kids (elementary school age). This is not the first time I’ve asked to separate but it IS the first time I’ve been able to walk away knowing that I can support the kids and myself on my own. (We make just about even $$ — I make a little bit more but I’d say it’s comparable). I recently got preapproved to buy a house on my own because he has tanked his credit, apparently.
It’s been 10 years and we are absolutely unable to go out in public without him finding some reason to be upset with me. At home, things are surface level. We hang out and watch our show after the kids go to bed, but we don’t actually connect.
The straw that finally broke the camel’s back for me was last night, on a double date with another couple we are friends with. He had a lot to drink and kept accidentally pushing me into the people standing in front of us. I asked him numerous times to please stop (he has no recollection) and I eventually got annoyed after 4-5 times and walked away. He then got upset and caused a scene in front of hundreds of strangers for 60+ minutes, saying that I don’t love him and “all he wants is to be loved.” My friend’s husband and I had to beg him to get in the car because he was trying to walk the 1.5mi home. (This is not the first time something like this has happened. I’ve been 100% faithful and honest throughout our marriage, but any time we go out in public, he treats me like I’ve done something wrong and then blames me for that behaviotreatment.) It’s a mind F.
I feel like I’ve been almost manic recently, just trying to save this marriage — I got my IUD taken out because he asked, I just went* under contract on a house in his hometown (4.5hrs away from where we are now) because he said he wants to be closer to his family. Mine is 14hrs away.
I will be getting back on BC immediately — I have no clue what the hell I was thinking when I made that choice. Luckily we have not been intimate so there is no chance I could have gotten pregnant. He is not in a position to buy a house, so it was going to be just me making the purchase, including pulling from my 401K for the down payment. Tomorrow I will be going back to the realtolender with my tail between my legs and losing the earnest money I put down because everything in me is screaming not to go through with this.
So… all of that said, obviously therapy is necessary but in the meantime, WHY do I feel so guilty/scared? I know what I want and it’s not this. But I’m terrified that he’s going to try to take the kids or put ideas in their heads to make me seem like a bad mom. I guess I’m looking for reassurance or similar experiences b/c I feel really anxious and alone right now.
Editing to add: it’s probably also worth noting that he has acknowledged that he is insecure. (And again, that is somehow my fault). But aside from all of that, I just don’t care to try anymore, which is what sparked the request to separate today. I have no desire for counseling or “giving it another shot” — I just feel done. And I have no clue if something is wrong with me for feeling like that.
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2024.05.19 06:29 MountainTimely9925 Nurse gave me pills I was not prescribed while I was in nursing home just because he thought I needed/wanted them. It caused mental and emotional crises, as well as physical harm.

That's basically what happened. While in a nursing home, I suffered a loss. my best friend died and I didn't handle it well. I started hoarding my nerve pain pills because I was depressed and had suicidal ideations. I was found out by the staff and had to spend a little time in Harding behavioral hospital at OSU. When I got out, I was invited back to the nursing home. They took away all pain/nerve/sleep/anxiety meds I had. This was after the doctors at the hospital had gotten my med balance right.
One of the nurses at the nursing home began slipping me pills for pain and anxiety. Mostly Gabapentin, but also sedatives, xanax, and sometimes opioids. He knew I was fiending and struggling with the pain. He told me the home only invited me back because of liability concerns, but they took away my meds in order to get me to leave, but he didn't want to see me go. He kept giving me the pills, then he was asking for money for them a few times. He was always talking about his financial issues and his alimony payments.
This was through May, June, July of last year. When he couldn't get me pills, he helped me get them online, picked my script up at CVS a couple times, and even had one sketchy off the grid order delivered to his house so he could bring them to me and they wouldn't be caught by the receptionist. That was the last one. The order at the end of July, when he gave me this bottle of over 100 pills each were 600mg of Gabapentin. I took so many that I couldn't go to sleep and the nursing home was scheduling me to discharge even though I didn't have a place to go. I had a breakdown where I took a lot of the pills he got me and shut myself in the shower room. I fell hit my head and my shoulder. i was bleeding everywhere and was sent to the hospital.
I know this isn't a catastrophic case of death or paralysis, and I've gotten a couple responses basically saying I wasn't damaged enough for their firm to care, have suggested that I have a case and not to give up. Are there ways to find smaller law offices who might take the case? Should I try more personal injury firms? I've only tried 3. Is there a way to get my case noticed by someone who would take it seriously? I mean, I almost killed myself. i definitely damaged parts of my body like my eyes and shoulder. I spent months in behavioral treatment and therapy.
Do I have a case? Should I bother? This guy could be doing this to other patients, but would anyone believe me even with the texts, invoices, receipts, and recordings.
submitted by MountainTimely9925 to MedicalMalpractice [link] [comments]


2024.05.19 06:28 patheticloserswag3 asking my parents about trading in my car

Okay, so I will give all the background information first and then explain my issue, aka, the part where I need advice.
I am 22 years old, just graduated from college and about to start my first “adult job” in the next coming months (I will be a teacher!!). I live at home with my parents, reasons being: 1) I went to college 10 minutes away and it was cheaper than housing 2) my family is very isolated and we quite iterally are the only 3 people in our family, so I’m close with my parents because they are my only family, and 3) my parents have told me several times that I am welcome with live with them for as long as I need/want so that I can save money and all sorts. I am very grateful for them!!
I currently have a 2017 Civic which my parents bought for me brand new after I got my license. Again, I am extremely grateful and I LOVE my Civic. It has got me through nearly 7 years of school and life!!
My new job a city over which is about 30-45 minutes away and all interstate. I have not had problems with my Civic and I truly believe it will last me until I die. I know that. However, I am the type of person who likes new and so I do tend to gravitate towards things I don’t really need.
I have a lot of money saved up, and have decided that I would like to trade my car in for a newer Honda SUV model, (a car that might do better where I live for icy winters and snow) and pay for the rest (or most of the rest) in cash. I would also like to pay for the insurance and payments on my own— which my parents have very kindly always done for me. I would also like to mention that I have done a TON of research on this entire thing as it has been stewing in my brain for months.
My “reasoning”, or more so my way of justifying buying a car over moving out for those people I know will ask/be curious about, is because realistically, in my state with the salary and savings I have, moving out within the next year or even two isn’t reasonable, unfortunately. If I were to move out rather than buy the car per se, it would be about another 6-8 years before I could think about upgrading my vehicle which at that point will’ve dropped in value even more. I would also be basically living check to check, so all my money would be towards the house and things for me to live. I also think that considering I really have never truly ever paid for anything in my life, that a small car payment and car insurance would be a good way for me to develop some responsibility as an adult.
Long story short, which honestly doesn’t relate to the background info as much as I was thinking, I am wondering how I could APPROACH my parents about doing something like this? I want them to know how grateful I am and what I want to do. I’m pretty determined about my decision, but I really don’t want to hurt their feelings about trading in the car they bought me or make them think I’m being super irresponsible. Maybe I am. But, I don’t know, I’m young and dumb, so sometimes I think about life, how short it is and ultimately start feeling impulsive. I have never asked/talked to my parents about something like this or really anything “big”, to be honest. I’m not sure how to start the conversation without being disrespectful or causing them stress. Also, buying cars in my family is very normal as my dad does so every couple years, if that means anything to you— it did for my personal justification lol.
Also, I would like to respectfully say that I understand not everyone will agree with me or anything I have said, and I don’t expect people to. That’s why I didn’t give any specific details. I’m just here asking for advice on how to talk to my parents about a situation which is considered big in my 3 person family. Thank you for your help!
submitted by patheticloserswag3 to Advice [link] [comments]


2024.05.19 06:23 Front-Professor362 PDI - how to do

I have booked a xuv 3x0. It's my first car. Regarding pdi, how do I go about it?
Do I pay full amount before pdi? Or should I do pdi first before payment?
What if pdi is not satisfactory? Do I request for a new car or something?
Can someone give me a checklist of items / things to check for pdi?
TIA
submitted by Front-Professor362 to CarsIndia [link] [comments]


2024.05.19 06:18 tincantincan23 The “move out instructions” have made me realize this company expects us to be the cleaning crew for the next residents

The “move out instructions” have made me realize this company expects us to be the cleaning crew for the next residents
Professionally clean carpets, weed the gardens, power wash the driveway - if you don’t, we charge you, so we can pay someone minimum wage to do so.
The very minimum cost of labor that landlords used to have to take care of in preparing properties between tenants has now been passed on to the consumer and the divide grows further
submitted by tincantincan23 to Renters [link] [comments]


2024.05.19 06:17 danone123 Got a quote today! 2024 GHL Hybrid XLE

Got a quote today! 2024 GHL Hybrid XLE
Here’s the breakdown of the price from the dealer:
• Base MSRP: $46,620 • Port Installed Packages & Accessories: $1,760 • Delivery Processing & Handling: $1,395 
Total: $49,775
I plan to sell my current car, a 2017 Hyundai Tucson, to a different dealer as the trade-in value offered was quite low.
Do you think this price is fair given the current market, or should I aim for a lower figure? If so, what would be a reasonable amount to negotiate down to? Any tips or strategies for negotiating with the dealer would also be greatly appreciated.
Thanks in advance for your help!
submitted by danone123 to ToyotaGrandHighlander [link] [comments]


2024.05.19 06:06 Tough-Prize-4173 Joining IIM L , a big thanks to FMS , IIM I , newer gen IIMS for selecting me.

Joining IIM L , a big thanks to FMS , IIM I , newer gen IIMS for selecting me. submitted by Tough-Prize-4173 to CATpreparation [link] [comments]


2024.05.19 06:04 Jerryboiii__ Down payment

I’m saving for a down payment and was wondering which one should I do, put 15k down as a whole or put down 5k and then put 10k towards the principal. Car is 40,9 I was gonna try and talk down to like 39,5
submitted by Jerryboiii__ to askcarsales [link] [comments]


2024.05.19 06:00 Alternativeduckbuck Forte payments

Just got approved for 2022 white Kia forte Gt-line with a little bit less than 20k miles. Price $22,995. Insurance: $400. I’m picking the car up Monday haven’t completed the payments yet to get it. Would you say it’s a good deal?
submitted by Alternativeduckbuck to ForteGT [link] [comments]


2024.05.19 05:55 Tax_Previous Why did I open my hidden photos today… 😣

Why did I open my hidden photos today… 😣
Hidden Photos are hidden for a reason stupid!! Most people hide nudes, I hide memories that would crush me to see anytime I look through my photos… but now that I’ve gone through that pain again I’ll include a couple with this post so everyone can see how stupid I was to have lost you.. Life’s gotten easier lately I guess. Kinda feels just like when I was on drugs just kind of numb all the time… I wanted to start listening to my old songs again and told myself if a song makes me emotional then I need to sing it recorded clean it up a little bit and by the time that process is over, I should be desensitized put it back in the library… WRONG, instead I found a new one that I listen to on repeat all fucking day.. (“Barely”-Gabe Bondoc) it describes the whole situation to a T of how I feel and it kind of hurts most of the time… I have tried everything to get over her and I just can’t… For someone who can’t remember what they did last week, I know her better than I know anything else. I haven’t forgotten her scent.. I can tell you where every beauty mark is… every scar, how could I ever forget when, every time I close my eyes i see you… I look for you in everything I do. All this driving I do by myself on the rare days that I do turn my music on. I still imagine I’m singing to you. That was the only time I knew how to show myself to you fully.. Me absorbed in my music is the best part of me and it’s so hard to even become close to that now… this is all my fault… ever since she assured me that there was never a chance for us again or even be friends, all of my progress that I was making I stopped immediately, not in an act of rebellion but I have no more motivation, it was always her no matter how bad things got I would have always chose you… i didn’t always show it in the right ways but you were the one… I wish we didn’t have some experiences in the middle of our marriage that play a big part on that downhill decline we had. Honestly, I don’t think that I’ll ever feel the same way about someone else the way that I felt about her in the first two years of our marriage. I wish that when we split and I was packing my stuff that I would’ve taken the marriage certificate and a couple other things.. But more than anything, I regret not keeping the little picture book(images with this post). The night I dropped off her car I struggled so much debating if I wanted to leave it there in her car with her or not and I should’ve known better and I should’ve just kept it.. The last day that I was there, I’ve never told anyone I’ve never showed anyone, but anything from our marriage that I cherished I didn’t want to take those things from her, so instead, I went around and took pictures of those items so I could always have those memories when I want to look back.. and that’s what I did today… I’m already miserable every day as it is it’s like I just want to keep adding to my pain, hoping that looking at the memories will make me feel better but it doesn’t… it just cuts again, a reminder that I let so many stupid things get in the way of love and happiness… all of those bad moments we had could’ve been happy memories or least moments of growth that wouldn’t have tore both of us down… and now memories are all that remains…
I hope you’re happy and laughing and smiling every single day. That’s the version of you I always try to think of. I wish I had more videos of you laughing… For months, probably even years I used to be so upset because I always wanted you to apologize for how I felt you were hurting me, And only because of recently getting to understand what’s going on with me I realize that a lot of that was not normal behavior and like now I’m starting to get a grasp that a lot of that was not normal behavior and now I can see and understand why we could never work certain things out or why we both felt like we were super stubborn towards each other. With that said, I forgive myself and I forgive you, regardless of what we did and went through. I never intended to hurt you or your family or friends or anyone and I’m sure you never intended to hurt me either. Being able to start coming to peace with this stuff has definitely helped tremendously like the bitterness and those feelings have dissipated. There’s just the depression left. My mental health and relapsing are the only things that I won’t digress in progress. Everything else that I was doing can go by the wayside. I really don’t care. I can’t live in delusion forever that somehow we’re gonna come back together no matter how much work I do on myself or effort. And I’m definitely staying away from anyone else for a while. You’re the new standard if I meet someone and I don’t feel what you and I felt when we met it’s not for me and I doubt I’ll feel that ever again with anyone else. I wish you the best in life I pray for you every night. Love you always.
Last thing, I make the last payment on June 30 for your concert tickets that I told you I’d get you. And I’m not going to reach out to you at all in any way I’m sure you’ve changed all your info by now anyway. On the chance that you do come across this by then. Anytime between July 1-13 message Fabio on Facebook or however you decide and he will either have my login info to transfer your tickets digitally or I’ll send them to him directly and then y’all can figure it out from there.
Life without you after having loved you for so long just doesn’t feel like living anymore… I only ever felt alive when I could call you my wife…
submitted by Tax_Previous to heartbreak [link] [comments]


2024.05.19 05:49 GiversBot /u/chiplay99 [REQ] was deleted from /r/borrow on 2024-05-19 (t3_quslaw up 915.21 days, LONGTAIL)

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[REQ] ($325) - (#Jefferson City, MO, USA) (Repay $325 on Dec, 2, 2021) (CashApp, MoneyGram)

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hey, guys. I hope I am posting this correctly.
I got myself into a bind. I fell behind on some of my bills due to losing a job, and my car payment is coming up. it is due on the 19th and if I do not make the payment, I will lose my car. I have no way to pay it right now, as I'm in between checks. I am will to repay the $325 before or by December 2nd. thank you for listening.
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2024.05.19 05:43 Charming_Net7953 I want to get out of my car lease to afford school

This is going to be a jumble of my entire financial situation on top of my lease. Essentially, I want to go to school abroad for university and won’t be able to afford to have both the lease and the payment for school. What’s the best course of action for me? The lease term is barely 5 months old and on a three year term. The payment is only 160$ every other week but there’s a down payment of $5000. I want to be able to receive as much of that back as possible.
My parents are paying for my tuition and giving me a 50% loan on my residency, but the requirement to be able to go away for schooling is to sell the car. Otherwise, I would just study at home, but, I really prefer to go abroad.
Before September, I must pay half of my residency fee upfront plus the down payment on the car which totals to ~$13,000. Is it possible to get rid of the lease and earn enough to study abroad? If I can’t get rid of the car, I can’t go. Any advice/help would be amazing. Thanks
submitted by Charming_Net7953 to askcarsales [link] [comments]


2024.05.19 05:42 Charming_Net7953 I need help getting out of my car lease and affording school

This is going to be a jumble of my entire financial situation on top of my lease. Essentially, I want to go to school abroad for university and won’t be able to afford to have both the lease and the payment for school. What’s the best course of action for me? The lease term is barely 5 months old and on a three year term. The payment is only 160$ every other week but there’s a down payment of $5000. I want to be able to receive as much of that back as possible.
My parents are paying for my tuition and giving me a 50% loan on my residency, but the requirement to be able to go away for schooling is to sell the car. Otherwise, I would just study at home, but, I really prefer to go abroad.
Before September, I must pay half of my residency fee upfront plus the down payment on the car which totals to ~$13,000. Is it possible to get rid of the lease and earn enough to study abroad? If I can’t get rid of the car, I can’t go. Any advice/help would be amazing. Thanks
submitted by Charming_Net7953 to PersonalFinanceCanada [link] [comments]


2024.05.19 05:42 MissDisMAy I won’t. But I want to. Every. Single. Day.

I was evicted by my own parents on Christmas Eve via texting war with my step day during a 10hr shift as a barber. I was informed my youngest daughter (6) wouldn’t be returning from her fathers house for Christmas that same day. My oldest daughter (16) and I were casted out of our family’s traditional Christmas festivities and we spent Christmas Eve and Day alone. The day after she went to “lunch” with my ex mother in law and never came home. I was devastated which caused a pain flare up (fybromiaga/myofacial pain syndrome/stage 4 endometriosis, degenerative disc disease). I couldn’t get out of bed. I had to call off. I was fired on January 3rd. On January 6th I was pulled over and arrested because the passenger of my vehicle had put 3GS of crack in an old prescription bottle of mine she stole from my house earlier that day. January 8th my phone was turned off. On the 10th my car broke down and I just got it back yesterday morning.
While my phone was off I missed every call and message sent to me by Child Services. I missed every opportunity to defend myself against the lies and accusations made by my ex. My mom had started forwarding my mail to the post office without my knowledge. I received not 1 certified letter. I missed my first 2 court dates.
I spent almost a month alone in the house I was abused in as a child/teen. The house I shared with my daughters, no car, no phone, no money, and eventually no food.
In a span of two weeks, I lost my kids, my family, my house, my job, my phone, my car, and was arrested.
I’ve never been in trouble in my life. Always had full custody of all three of my children find the age of 17. and for the most part without any involvement of their fathers outside of the weekends. But I lost all of it. My ex had manipulated my family in believing complete lies about me. Smear campaigns surround me every day. Every morning I wake up and realize where I am, and how far away from my children I am and I lose it. I cry every time I open my eyes. It’s been months. And every day it hurts more. Because I can’t afford a lawyer, there’s a very good chance I won’t get them back.
My son (22) lives in a different state but calls almost daily bc he knows he is the one that is keeping me here. But if I lose custody of my youngest daughter, like I did my oldest, there’s no way I can continue living like this, feeling this much pain, physically and emotionally every single day. My little one. I cry all day every day. She was my sidekick . We went everywhere together. She was right by my side since the day she was born, She is my best buddy and they ripped her away from me. Without a single conversation. Not one. My exes, vindictive, hateful actions can only possibly be fueled by his desire to not go to jail for the $15,000 he owes in back child support. Up until a week before this, he was still trying to come back home. Still making advances on me. Leading me to believe that we were friends. But now I know it was all part of the plan. He had been plotting for months. Because my family operates in such negativity towards me they happily took the bait. I will never speak to any of them again. And the only reason why I haven’t been able to get my children back is because he dismantled my life by ensuring that I couldn’t afford a lawyer. Nothing in the report was true. It was all lies based on hearsay. So I’m here to warn you… no matter how good of a mother you are, if someone is determined to take everything away from you, they will. All I have left to do is pray to whatever God will listen to me. A lawyer shows up at my doorstep, expecting zero payment, and they fight to bring the truth to light. for me. Otherwise this is all going to end soon for me. I just can’t handle the sadness. I haven’t seen my daughter since December 20, 2020 23. I never gone more than two days without her before that. my heart aches more at the thought of her being alone without her mother than it does for myself. My teenager is not trapped with her abusive narcissistic, father. Being treated like dog shit. Unable to speak to me or her brother. All my family invites that monster and his mistress to Easter and breaks bread with them. It’s all so twisted. I just want this nightmare to end.
Thank you for allowing me to vent.
submitted by MissDisMAy to SuicideWatch [link] [comments]


2024.05.19 05:41 Charming_Net7953 I need advice on how to get out of my car lease and afford school

This is going to be a jumble of my entire financial situation on top of my lease. Essentially, I want to go to school abroad for university and won’t be able to afford to have both the lease and the payment for school. What’s the best course of action for me? The lease term is barely 5 months old and on a three year term. The payment is only 160$ every other week but there’s a down payment of $5000. I want to be able to receive as much of that back as possible.
My parents are paying for my tuition and giving me a 50% loan on my residency, but the requirement to be able to go away for schooling is to sell the car. Otherwise, I would just study at home, but, I really prefer to go abroad.
Before September, I must pay half of my residency fee upfront plus the down payment on the car which totals to ~$13,000. Is it possible to get rid of the lease and earn enough to study abroad? If I can’t get rid of the car, I can’t go. Any advice/help would be amazing. Thanks
submitted by Charming_Net7953 to Debt [link] [comments]


2024.05.19 05:39 Afraid-Ad-6657 How much of your income did/would you allocate to purchasing a car?

Not monthly payments because that can be affected by value of down payment but total cost of ownership.
So monthly salary 10k for a 100k car is 10%
submitted by Afraid-Ad-6657 to singaporefi [link] [comments]


2024.05.19 05:39 Charming_Net7953 Need advice on how to get rid of my lease

This is going to be a jumble of my entire financial situation on top of my lease. Essentially, I want to go to school abroad for university and won’t be able to afford to have both the lease and the payment for school. What’s the best course of action for me? The lease term is barely 5 months old and on a three year term. The payment is only 160$ every other week but there’s a down payment of $5000. I want to be able to receive as much of that back as possible.
My parents are paying for my tuition and giving me a 50% loan on my residency, but the requirement to be able to go away for schooling is to sell the car. Otherwise, I would just study at home, but, I really prefer to go abroad.
Before September, I must pay half of my residency fee upfront plus the down payment on the car which totals to ~$13,000. Is it possible to get rid of the lease and earn enough to study abroad? If I can’t get rid of the car, I can’t go. Any advice/help would be amazing. Thanks
submitted by Charming_Net7953 to personalfinance [link] [comments]


2024.05.19 05:20 NoobyImpulse China Trip Report: March 2024 [Suzhou Amusement Land Forest World, Joyland, China Dinosaurs Park, Happy Valley, Etc.]

China Trip Report: March 2024 [Suzhou Amusement Land Forest World, Joyland, China Dinosaurs Park, Happy Valley, Etc.]
During the end of March/ early April my gf and I went on a 3 week coaster trip throughout China, Japan, and South Korea. I wanted to make this report about China since it's pretty difficult to plan a trip to China with the lack of information available.
Planning started last year in September and we used coast2coaster to map out our trip, then we tried to find any information about the parks we picked which ended up not being much. The Coaster Kings had some great blog posts, and we found a couple YouTube videos from ATLsloan which ended up being super helpful.
I also digged through reddit and reached out to some very helpful Redditors that gave me advice! Thanks u/MrBrightside711 and u/Noxegon
We visited:
  • Hong Kong Disneyland
  • Ocean Park
  • Shanghai Haichang Ocean Park
  • Oriental Pearl Tower
  • Suzhou Amusement Land Forest World
  • Joyland
  • China Dinosaurs Park
  • Shanghai Disneyland
  • Happy Valley Shanghai
  • Universal Beijing
  • Happy Valley Beijing
The Hong Kong portion of our China trip was super simple. Uber existed and there are no internet complications. I do recommend getting an octopus card and loading it with money, you are able to put it directly on your iphone and you will use it for trains, taxis, checking out of stores, it was even accepted in Disney!

Hong Kong Disneyland:

We flew into Hong Kong from Osaka and landed about 2am. We got a hotel right in the airport, and woke up at 8am to uber over to Disneyland, check into our hotel at the explorers lodge, and rope drop at 10:30am. After getting to the park we realized rope drop wasn't needed.. this park was DEAD. We went right to Mystic Manor and was one of 6 people in the pre-show section. (amazing ride but not a coaster)
Then we went over to Big Grizzly Mountain Runaway Mine Cars. This instantly became my favorite Disney rollercoaster. (at this point we had been to all Disney parks except Shanghai, which only has clones) The fakeout lift, and the launch section were great.
The new Frozen area of the park really was beautiful, and made the visit that much more worth it. Their version of Frozen ever after is a bit more modern, but much the same of the Orlando version. Wandering Oaken's Sliding Sleighs is great to look at, but not that great to ride. It's very short and probably great as a child's first coaster.
Not much to say about RC & Hyperspace Mountain. If you have ridden any of their counter parts, you have already experienced these as well.
Wandering Oakens Sliding Sleighs
Big Grizzly

Ocean Park

This park has 2 areas, the lower entrance area which has a ton of shops, smaller rides, and a aquarium. The upper area on top of the mountain which required a chairlift ride up is home to the larger thrill rides. While the bottom portion still seems fine, the upper portion has about half of it closed including the 2 SBNO coasters still sitting there.
However, their 2 operating coasters were both open. Hair Raiser was a great B&M, and the setting and usage of the terrain only amplifies it. Arctic Blast isn't much to write home about, but it was enjoyable and they sent us around the track multiple times.
Hair raiser from the loading area
SBNO mine train

Mainland China

Once you hit mainland China everything becomes so much more difficult. Thankfully we did plenty of research in advance and downloaded DiDi (taxi app) WeChat, and Alipay (Payment apps) You also need to verify yourself with your passport in these apps DO IT BEFORE you get to China unless you want problems. The language barrier exists much more here than any other country I have visited, Google Translate was needed for EVERY conversation. If you are planning a trip here make sure you download the Chinese Simplified translations in google translate incase your internet gets spotty (it will.)
Call your cell provider to ensure you will have working service in China, it prevents the need for a VPN while out and about.. however still download a VPN for when you are on wifi as the great chinese firewall blocks EVERYTHING. We used LetsVPN and it worked amazingly the whole time in the mainland.
Most places will not want to take your cash. Before you leave make sure that you have a credit card added to both alipay and wechat. There is still a chance your apps wont work! Your hotel can take cash and send you the money on either alipay or wechat. When taking a taxi if your DiDi app isnt working, there is a mini DiDi app in alipay that works as well!

Shanghai Haichang Ocean Park

This park is where all my fears about my trip came true immediately. When you go to parks in China there is absolutely no way to know if coasters will be open or closed, even if you can find a website with posting they are probably not accurate.
We landed in Shanghai at 10:30 am and immediately got a taxi to drop our bags off at the hotel, and they waited for us to take us to Shanghai Haichang Ocean Park. As we arrived we saw Steel Dolphin cycling and I thought to myself how great it was that we would be starting this portion off strong. As we got to the steel dolphin entrance it was blocked off with an employee explaining via google translate that the ride failed a inspection earlier in the month and they were only testing to regain its certification. I asked if there would open anytime in the next week, they said no. We then went over to Family Coaster which was CLOSED. We then decided we would try to salvage the day and ride a couple other rides.. we couldn't find a single one that was open.
Our taxi driver was still outside when we left 30 minutes after he dropped us off and he asked why we were leaving so early. We explained the situation and he took us to guest services and complained for us without us asking for that. They offered us the ability to view a sea lion show which took place in 2 hours which we declined. I highly recommend skipping this park, it was a MESS.
An empty Steel Dolphin train RIP

Oriental Pearl Tower

Immediately upon the horrors of the last park, our taxi driver took us over to The Bund. While we were exploring there we figured out there was a coaster in the Pearl Tower so we headed on over. To get to the coaster you have to go to the top of the tower first, which is similar to every other observation tower experience in the world. Very nice views of the city though.
VR Rollercoaster is a junior coaster which probably isn't worth going out of your way for, but it may of been my favorite VR coaster I have done as it didn't make me sick!
Loading platform for VR Rollercoaster

Suzhou Amusement Land Forest World

On this day we attempted (and succeeded) to visit 3 theme parks in one day. There were too many parks in the Shanghai area I didn't want to miss so we had to hustle all day. For this to work I hired a private Taxi Driver to follow us all day and wait on us at the parks so we didn't have to figure out how to maneuver from park to park.
When we arrived at Suzhou Amusement Land Forest World we were met with another DISASTER.. the sign in front of the park showed that my #1 bucket list China coaster Beyond The Cloud would be closed. Hopeful we still bought tickets and entered the park because we saw the tilt coaster testing.
We ran immediately over to Broken Rail Roller Coaster and got front row on the first train of the day. This was my first Tilt Coaster and man was it awesome! Jinma rides while they may be a copycat company they did a great job on this. It was smooth, thrilling, and could compare to any other big coaster company creation.
While walking over to Beyond the Cloud, we found Roller Coaster a coaster which wasn't on coaster count or RCDB! It was a kids ride but we had to ride it since it was undocumented! Its a Jinma kiddie coaster and could compare to the junior Vekomas you can find in many places in the USA. We also got the ride published on RCDB! We skipped the spinning mouse because we couldn't find it and we were in a rush to get to our next park.
When we did arrive at Beyond the Cloud we were met with another heartbreak as it has a sign explaining it was closed for the day. I was pissed and desperate to ride this coaster so I didn't give up. The day we flew out we woke up at 7 am and risked missing our flight for another shot at riding. When we got there it was drizzling and every ride was closed.. except Beyond the Cloud! I believe we were the only 2 people in the park this 2nd go around and were able to ride 5 times by ourselves before we moved on and headed to the airport. They made us wait 5 mins each ride to see if other riders would show up (they didn't.) It was 100% worth the effort, this was my favorite coaster in China, and my #2 Mack overall behind RtH.
Beyond The Cloud just for us! They never opened any of the back restraints so we had to sit in the front every ride.
Big boi
The Jinma Tilt Coaster

Joyland

After about a hour 1/2 in Suzhou Forest we got back to our taxi and darted for Joyland! Upon arrival we went through the knockoff Dr Seuss area on our way to Starry Sky Ripper my #1 bucket list flyer behind flying dino which we rode a few days prior. I think Sky Ripper edges out my top B&M flyer just over Flying dino. Its smooth, thrilling and most importantly it doesn't have the immense pain pretzel loops bring me.
To our surprise all of the coasters here were open! We ended up going to Dragon Roaring Heaven next. There was a school trip and they all seemed to be waiting to just ride this ride, so it took about 30 minutes to get on. This mine train coaster was decent, and is comparable to some of the great mine trains in the USA, but the theming here makes it a slight step above the rest.
Next was Clouds of Fairyland which seemed to be in a state of despair. The front car of the train was closed, and they had these makeshift restraints behind your head that they made you hold for the duration of the ride which was uncomfortable. The ride itself was okay, I'd like to ride another one that doesn't have the weird behind the head nonsense.
Flying Loop
Mine Train Theming

China Dinosaurs Park

We got to China Dinosaurs Park around 3pm the park closed at 5pm, and stopped letting guests in at 4. We jogged straight to Dinoconda to ensure we got a ride in, and to our surprise it was a WALK ON! As with the other 4d coasters it was very intense, but it was the smoothest by far. I would put it behind Eej as you can't beat that intensity.
Next we went in circles trying to find Dinosaur Mountain it took us about 20-30 mins to actually find it hidden in the mountain side but it was a cool indoor Zamperla motocoaster. The theming was cheesy but it was all still great fun.
Super Roller Coaster went down and stayed closed until park closure.
Dinoconda

Shanghai Disneyland

This is a great Disney park! Pirates and Zootopia made this visit worth it alone. The Pirates here is the best version of the ride, and I'm glad i went in blind. I wasn't expecting what I experienced at all. The zootopia area was really well done and I hope we get some version of it in the US.
All 3 coasters here are clones of coasters I've ridden at other Disney Parks so I'm not going to go into detail about them. They are great, ride them if you get the chance.
Zootopia Ride
Tron but the not Florida one

Happy Valley Shanghai

Unfortunately when we woke up we realized the forecast was rainy and had high winds but we decided to attempt to go get some credits anyway. We knew that it would probably not work out but yolo.
We were greeted with 4 out of 7 coasters closed including Diving Coaster, Mine Train, Wooden Coaster, and Coastal Ant.
We headed straight for Mega-Lite which was good fun, we had ridden its clone Piraten in Denmark back in June of 2023 so we knew what to expect. Still a enjoyable small coaster that packs a punch. Truly is a mini I-305
Next was Crazy Elves which is your basic spinning mouse. Then we got a ride on Family Inverted Coaster which wasn't anything crazy but was fun and will be perfect in BGT as a step-up coaster.
Mega-Lite loading platform
Family inverted coaster

Universal Studios Beijing

After a hectic morning in Shanghai trying to get a ride on Beyond the Cloud we flew to Beijing! We got there late at night and checked into our hotel right outside Universal.
We bought the "Set of all Express Passes" which was good for all the major rides. This ended up being worth it is the park got more and more crowded as the day went on. Upon entering the park we heard an announcement that all rides are open but there is inclement weather which may close outdoor attractions so we headed right to Decepticoaster. Decepticoaster is everything the Hulk retracking should of been. The coaster is glass smooth, the jank is gone, and made for a much better ride experience. Personally, I love Hulk as its at one of my home parks here in Orlando but I find myself riding it less and less due to how I feel after riding.. I didn't have this issue here.
Next we took a wrong turn trying to get to the Jurassic area and ended up going through Kung Fu Panda's area which was really cool, and its boat ride was worth riding once. This path put us in a circle which had us ending up in Harry Potter land so the next coaster was Flight of Hippogriff. This was the same as all its counter parts, nothing special here. We skipped the other rides in this land as we have been to every other universal park (other than Singapore) and didn't need to experience them again.
We finally found the Jurassic area and got on Jurassic Flyers which was not what I expected. I was assuming it would be interactive similar to Arthur at Europa Park, it wasn't. Just did a loop around the mountain and got some great views. While in the area we did arguably the best dark ride in the world Jurassic World Adventure. That ride is INSANE.. nothing we have in the US compares to it.
On our way out we hit Loop-Dee-Doop-Dee which I believe is the only Jinma at a major park? It's a basic family coaster, and worth the credit if you can get on with no line.
Better Hulk
Jurassic Flyers

Happy Valley Beijing

The last park of our trip before we spent our last few days sightseeing! We arrived at opening to a very large crowd (the biggest of the trip.) All of coasters had staggered openings so we tried to strategically plan it out to be at the opening of each one.. which didn't work out at all. Extreme Rusher was closed all day and has been closed for a while due to its sister coaster rolling back and crashing into another train in the station.
We headed to Crystal Wing first for its 10:30 opening. We weren't the only ones with this idea as there was already a decent line formed. We waited bout 30 mins to get on missing the 11am opening for our next coaster. This is a clone of Superman but with some really cool terrain and theming. Worth the ride.
Golden Wings over the Snowfield was stop #2. I'm not a fan of SLC's but this didn't ride like one. It wasn't smooth, but it wasn't painful either. It also has a different layout from the SLC's all over the US which was cool.
Next we went over to Flight of the Himalayan Eagle Music Roller Coaster which had a 11:30am scheduled opening which we missed by 30 mins. The line took about a hour, and we noticed there was a fastpass system that we couldn't figure out because of the language barrier. I used google translate on the signs at the entrance to no luck. The ride is a great mini hyper coaster that blasts music as you ride. Easily the best coaster in the park.
We walked past Family Inverted Coaster which had a hour+ wait which we didn't want to wait for as we just rode the clone the other day with no line. So we headed over to Jungle Racing which had a 45 min wait but we noticed a QR code next to the line which we scanned and ended up being the fast pass system! We bought a fast pass and walked right on. It was a great Mine Train that was very similar to the one in Joyland.
We then bought 2 fastpasses to Family Inverted Coaster just to get the credit.
This park felt a lot more taken care of than its counterpart in Shanghai, and is definitely worth a visit.

The end

We took a couple days to visit all the big sites like the great wall of china, the forbidden city, the temple of heaven, etc. which is a must-do.
Then we flew over to South Korea for our next portion of our mega coaster trip!
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