Car loan— 12,000 to pay off, interest rate is 7.8% Federal student loans— 6,000 to pay off, interest rates average about 4% I called Wells Fargo, as this is what my auto loan is through and they told me their is no benefit to paying off my car early (as in I won’t save any money) very confused as I know this is a “fixed loan”. Obviously it is better to pay off the higher interest rate, but if it’s a fixed loan does that matter?? Any advice on which to pay off first??

I’m going to be having a baby soon and wanted to know if I will get paid my short term disability leave if I am no longer working? I signed up for Aflac always which says it locks in the rate but I don’t want to continue paying for it if they are going to deny me.

Renewal time is coming up soon and realized I never changed our address since we recently moved back to NY after living in RI. Well it’s going from $36 for my 5 year old cat to $60 a month. Overall she’s a very healthy kitty, the only health issue is she has asthma so I get that and I know as they get older it’s more costly cause of healthcare for them and providing services is expensive. Embrace has been great overall experience for us because we had to put one of our other cats down last year and they compensated us almost entirely but, I just wasn’t expecting because of the zip code to justify $60 every month now. Does anyone have any suggestions on our insurances if I’d be saving money elsewhere?

First time posting on Reddit, and not sure if this is the right place to ask this question, if not I apologize, please direct me to the right place if that's the case. So I'm in LA and I have Progressive Car Insurance. Here's the situation: I got rear-ended back in February, the other driver was fully responsible for it, I went through the whole insurance claim process and got my car repaired, and because my insurance has $1500 car rental allowance during repair, they got me a rental car for about a month while my car was under repair. the car rental company was Midway Car Rental (The one my collision body shop is using.) Everything went smoothly back then and I even got my deductible on time from Progressive, I returned the rental car when my car was ready, they checked the rental car, no extra fee needed, no issue at all. Then out of no where, last week the car rental company charged me THE FULL RENTAL PRICE to my credit card I put on file (I used that for the deposit.) I called them, they said they have been asking my insurance to pay the rental fee for months and they never paid, that's why they charged my credit card. I called my claim rep, he said they paid the car rental on 7/15, which was 10+ days ago, the rep is also baffled by the unexpected charge. I checked my Progressive app and can see the $1500 rental reimbursement under my payout summary, and it did say 7/15/2025. I am not sure what's going on and what to do in this situation. Both side claimed that they're not the problem (well expected) the car rental is asking me to ask my rep for proof of payment and send to them or else "they can't do anything about it", I passed the message and all the info to my claim rep, he said he's on it but then nothing happened and he's now not available through phone somehow. Im very confused and somehow been put in the middle as a mediator?? I really need the car rental to cancel this charge on my credit card. It's an foreign credit card and I need to pay it off soon, and this expected charge is seriously messing up my payment plan this month. But it seems like both party needs to investigate or negotiate this for some time, and they're not very cooperative and helpful. Any suggestions, advice?

Idk but this happened nung January pa this year, but I have come to notice that yung mga agents nila sa malls (esp sa SM) are not working professionally. I get that gusto nila makabenta pero di naman tama yung 'tactics' nila. Kaya napagkakamalan silang scam eh. Well my personal experience, would say parang na scam nako. May babaeng lumapit claiming na may ibibigay daw silang prize if sasali ako sa "raffle" kuno nila, makikipag usap tapos pupuriin pa then the next thing I know is papuntahin ako sa office since kukunin ko daw yung prize without knowing na dito na mag sisimula yung kalbaryo ko. May FA na kumausap, mag bibigay ng advise or whatever. Ako naman, I thought nag mamarket lang, umabot kami ng 45 minutes don then yun na pala, ipa aavail na ng policy nila. I declined first, sabi ko "your agent said na di kayohihingi ng kahit anong money or what, so bakit kailangan kong bumili ng policy niyo?" Nagalit pa yung FA, inulit yung mga sinabi kanina. Ang ending napabayad ako ng about 9k good for three months na yun. Nakakbweset lang kasi bakit kailangan mang linlang, and bakit may pamwersa sa mga tao kung tatanggi. If you're a professional, you would not get mad at someone saying "AYOKO", and in the first place dapat di na kayo nag sinungaling na wala kaming babayarang kahit na ano. - just a rant lang, nag lapse na yung policy ko since di ko na tinuloy yung pag hulog, sana napakain nila mga pamilya nila sa 9k na kinuha nila.

Back in December I got in a car accident. Literally work 4 mins away. I only drive to work to be able to pay my car and insurance. Long story short … I was in a 2 weeks waiting period before my insurance started thinking my last insurance was still active (it wasn’t). Police came and still accepted the insurance. Didn’t get cited or anything. My insurance said they can’t cover since it was during the waiting period… guy attempted to contact a lawyer and claim injuries but wasn’t injured after all or they didn’t find anything wrong. He doesn’t wanna admit to fault because he was speeding so obviously his insurance is blaming me. They called and threatened to report me to DMV and get my license suspended if I don’t pay 15k… I told them I wanted the case to be re-evaluated since I know I’m not 100% at fault. They never called again and since then my license is still active. I haven’t heard back from either his insurance or the lawyer he was trying to claim injuries . What happens now ? Is my license still a threat to be suspended due to my insurance not being active at the moment even if the cops didn’t ticket me ? Should I just not worry if they’re not calling me anymore ? I also don’t wanna get in trouble but the fact that the guy tried to claim injuries and lied about his speed isn’t fair to me

Hello, I doubt I can do anything about this but I'll ask anyway. My broker automatically froze my account yesterday because I supposedly made a large amount of orders (less than 10 a day on average). The average of those orders were positive so I'm unsure why the amount matters, not like i was losing money. I had an ongoing call that I was keeping waiting (hoping) for the price to go up and placing puts as the price was decreasing, so i was slowly making back the unrealised loss (and I did more than make up for it before tariff struck). Anyway, yesterday I tried to place a put but noticed my account was frozen, asked why and the help center told me the reason above and that it was there to protect me. Anyway, tariff happened today so the earlier mentioned call escalated in price which triggered their automatic order closure when the account reaches 25% of its value. Since my account was frozen i was unable to place a put to stop the fall in price and such. They did prevent me from placing a put just before the tariff struck yesterday, and while it was happening. So i was wondering if I could ask them for any sort of compensations or if I should cry. the broker is trading 212 just in case. Location: France

I filed a water damage claim a month ago and have not gotten any sort of compensation or even an update on the claim. They sent an adjuster out but I have heard nothing since besides they are behind on claims right now. I have called several times a week and my agent/adjuster does not pick up besides one call back saying they are behind and to sit tight. Is this standard for State Farm?

Got rear-ended at a standstill last week by a new driver. Filed a claim with his insurance (Allstate). Their adjuster gave me a list of preferred shops — only one (a chain) has good reviews, but Reddit has a lot of horror stories about this chain (not my exact location though). I have a local, independent shop I trust. Allstate says I can use any shop, but the adjuster got vague when I asked about downsides of going out-of-network. Redditors in r/AutoBody warn against in-network shops since they supposedly work more for the insurer than the customer. I'm just worried about delays, surprise costs, or Allstate refusing to pay. I don't want this to turn into a massive ordeal or be without my vehicle for too long. That said, I had some other body work I wanted my local shop to do (which I’d be paying out of pocket for), so it would be convenient to “kill two birds with one stone” to take it to them and let them handle all the repairs at once — versus having the chain handle my insurance repair and then turning around and having to go back to the local shop for the other work. What would you do — play it safe with the insurance recommended chain shop, or stick with the local / independent shop I trust?

so I’m on Medicaid since I’m not working due to my finger injury. I got my surgery done a few months ago and they send me a bill today. I literally thought everything is going to be covered by the insurance. Maybe I should’ve asked questions ahead of time, but I wasn’t aware of this since I know few people who got surgeries and it was covered. I’m not working right now as well since my finger is still not healed. I don’t know what I’m supposed to do right now. do I contact Medicaid or the surgery place? Not sure. by the way, my insurance is Blue cross complete of Michigan. My insurance did pay for over half of the bill but just confused why it wasn’t covered completely.