u/CesQ89

I got a 3.90% car loan ($22k) and will have the cash to pay off the remaining balance at the end of the month.

Should I take the instant 3.90 return or stick to the script and VTI/VXUS?

3.90 is a weird rate since it is higher than the “guaranteed“ rate of VBIL but less than “riskier” rate that parking the cash in PAAA would give.

I’m also in tech which is pretty volatile right now so I need to bump up my emergency fund from 6 months to 1 year and since I include my car payment in the that fund I would be a bit closer to pay off anyways. Was originally hoping that once my remaining car balance (6 payments left) = the allocation I have for it in my emergency fund I would just pay it off.

Hi all.

We‘re looking to rent a pontoon boat for a birthday celebration in a weekend in mid May. This is an adult only party so we’ll just be looking to eat, swim, and get drunk out on the lake.

I have zero idea about weather and water levels and whatnot during this time. Is this a good time to rent a pontoon? What should I be looking for in terms or water level and is weather normally like around this area and this time frame?

Should I book now or wait until about 2 weeks out to see what weather is going to be like. Any risk of the boat rentals selling if we wait last minute?

Appreciate any help.