Recent comments

Cheap_Brain t1_jegzg8j wrote

You made some bad decisions, your kids are understandably upset because their whole life has come crashing down around them. Your husband is understandably upset because kids that he loved turned out to not be his. I don’t see any way out of this other than the hard way. Admit to your mistakes, take the consequences on the chin and move forward. If you act maturely now you may be able to save a relationship with your children. You need to step up to the plate and provide for your children. Things are going to be rough.

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BumpyDenny93 t1_jegzg4k wrote

In 2015 when I was 21, I got on Skype and did X-rated things on it because a old ass white man paid me $40 to do so.

In my defense, I had barely eaten in days and I really needed some food and that was a good way to go about buying some.

Oh and in case you are wondering what I brought with the money, it was the St. Jude's special from Domino's.

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JessiePeteWhite t1_jegzg3p wrote

That isn’t necessarily true, especially if when you look at his case, his messaged is geared more towards frustrated young men where he is claiming to have the answers to all of their problems but his answers are extremely toxic. I’m not saying we should silence people but claiming that if their message isn’t valid then no one will listen is not right

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StoopitTrader t1_jegzfvz wrote

I thought it was very rare for new car loans to have any sort of prepayment penalty. I've heard of it more on buy here pay here loans. I found this:

https://www.experian.com/blogs/ask-experian/how-to-avoid-paying-prepayment-penalty/

"Thirty-six states and Washington, D.C., let auto lenders charge prepayment penalties for loans with terms of 60 months or less. Lenders are prohibited by law from charging a prepayment penalty for an auto loan of 61 months or longer."

I would definitely try to pay this sooner and avoid a lot of the interest. Taking the loan down to 30 months would save you a ton in interest unless you loan rate is very low. As others have stated, read your loan contract but I would be surprised if there's any penalty.

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