u/MakeYourTime_

I know there isn’t a shortage of handy people on the island but is there anyone you always call for a small side job?

My mom’s kitchen drawer broke today, looks like the brackets fell off of the back of the inside of the cabinet? I’m unsure, and I’m not handy at all so idk what I’m looking at and I don’t want to break anything worse.

I know for any guy who can use tools this is probably a 15 minute job but for the life of me I don’t have any friends around that could help me with this.

Anyone you reccommend that would help my senior mom out? Would prefer to not have to shell out a few hundred bucks for this lolol Located in east rockaway ; thanks

Edit: “go on thumbtack, go on Angie’s list , go on fb marketplace etc etc” ; I don’t want to get involved with any company or anything; I just need a guy who’s good with tools who can re-seat brackets for a single drawer for a couple bucks . Your friend? Your dad? Your uncle? Neighbor?

Looking to refinance my car.

2018 Altima SER with 50k miles; paying $365/mo @ 11.5% purchased in 2024 and 55 months left. (bad loan I know but my previous car I lost in a fire and needed a replacement immediately)

I put in refinancing options with autoapprove and they are coming back with this:

📈 Current Interest Rate: 11.66%

📉 New Interest Rate: 8.95% / 72mos.

💸 Current Monthly Payment: $364

New Payment Options:

✅ With Mechanical Breakdown Coverage & GAP Insurance:

💲 New Payment: $359

🛡 Breakdown Coverage: Up to 7 years or +100,000 extra miles + an additional $1000 cash back direct to you in form of cashiers check.

✅ With GAP Coverage Only (No Mechanical Breakdown Coverage):

💲 New Payment: $313

💡 Savings: $51/month = $612 per year

✅ No GAP Coverage, No Mechanical Breakdown:

💲 New Payment: $295

💡 Savings: $69/month = $828 per year

Details:

$15,506 Ally Payoff

+ $75 Document Fee

+ $120 Title Fee

+ $475 Admin Fee

+ $110 Lender Fee

+ $995 GAP Coverage

+ $2,539 Extended Warranty

= $19,820 Total Amt Financed

This breakdown is for option 1, for option 2 we would just remove the extended warranty.

I have 3 options to choose from all for 72 months and I am unsure if it is worth going and getting the extended warranty and gap coverage.

I am scarred from my previous vehicles being totaled by natural disasters (floods / fire) so the gap coverage is very helpful; and I worry that if I need to pay for a major repair this year or next year I won’t have the $ to afford it.

I just want to know if the gap coverage / extended warranty is a scam?

Even at the $365 a month payment option 1; because of the reduce interest rate I still pay $50 more per month toward the principal than I do now.

I’m also waiting to hear back from my credit union with their offers.

Thanks for the help

My wife and I have a 2021 Mazda 3 turbo coupe with 34k miles.

We owe 17k on it @ $525/mo @ 9.1%

We got crushed on rates but were in a jam when we had to buy cars so we got stuck with kind of a shit deal.

I went onto KBB/carvana/autotrader and was offered between 18,500 and 19,500 to trade it in for something else.

Is it worth trading it in for an older car for $12-15k so that we can lower our monthly payment?

Would it make no difference taking out a new loan and having to pay more finance charges?

Edit:

I’ve had the car 2.5 years, only 36 payments left.

My credit is 700-720

Cash flow is in trouble which is why I need to immediately reduce payments significantly ;

Refinancing the 17k may not be able to reach my monthly payment goal of 200-$300/mo

Which is why I was looking into used cars with low miles ($10-$15k cost with under 60k miles)

Found a few cars that may fit criteria but now having trouble determining if it’s worth getting an older car from a used car dealer where I don’t know the history of it

Is there any car broker that works with used car dealerships?

I have positive equity on my loan for my car and I’m trying to get into something cheaper

Would a dealer accept my trade in at $17K and allow me to purchase a car on their lot for $12K and hand me a $5K check?

Would a broker be able to help me with this?