So, I bought a car (my first ever car beside what was passed down to me) in Dec 2024, mind you I'm not a very materialistic guy when it comes to cars, so year did not mean much to me. The reason I bought the car was that my 74 chevy deluxe gave out and I needed a car asap for work. I am 24, My credit score at the time was a 686 and is slowly going higher. With no cosigner, my age, credit and job that makes me 40k yearly I figured APR would be a bit high but not this high especially for the car I received. Now for the car loan info:2007 corolla 56k miles at $11k Total car loan was I believe 20k for the 72 months The interest rate is 24.10% (prior to signing anything the salesmen stated it was only 12%, I should have read more but I was over the lengthy session, Lesson learned sadly) The loan is through AmericanCreditAcceptance. Anything with American, I know I am being screwed potentially. As the guy was shining through my foolishness, he stated I could have refinanced withing 4-6 mths after purchase if i wanted to but fear of looking more foolish is preventing me to do so. Should I be looking to refinance, and if so, how do I go about doing that? [A](https://www.reddit.com/r/personalfinance/?f=flair_name%3A%22Auto%22)

Hi everyone, I got to this forum after seeing some "NW mutual life insurance is a scam" posts and i'm not sure if I got scammed. I was in medical training when a financial adviser told me about getting disability and life insurance.. with NW mutual... I'm 35 years old, very healthy, I pay about 87$ for 2M Term to 80 policy with no annual dividend. And my premium for disability is $110.. Looking for advice if I should switch to a different broker (if thats an option) or just general advice.

Our older Bernese is insured through Trupanion, which has been very easy to work with on hi lymphoma. So far they've covered chemo really well, and we're even considering a stem cell replacement therapy (which costs $75-90k) and it seems like they will cover that as well. We are thinking ahead for our younger berner, Leela and are going to purchase pet insurance for her. Trupanion has been great for Jackson, but for some reason they are 3x+ as expensive as other options ($600/mo for 90% coverage and non annual limit). We're also looking at Figo, Pet's Best, pumpkin, and Prudent Pet. Important considerations are unlimited annual payout & a 90% coverage level. Berners tend to get cancer, and we want to make it an easy financial decision to get her the best care possible if that happens for her. Do you have experience with any of these insurers (or have others that have been good to work with?) Seems like there are many many options, and would like to avoid picking one now that is difficult to work with down the line. Figo, pumpkin, and Prudent Pet are similarly priced at around $130-180/mo. Pet's Best is coming in way less expensive, $90/mo for a $500 deductible and $55/mo (!) for a $1,000 deductible. Particularly interested in any of y'all who've gone through cancer treatment with these carries. How has it been?

Hi everyone, I wanted to share my experience with biBERK workers' comp insurance and get some advice or feedback from others who may have dealt with something similar. I had a workers' comp policy with biBERK that was fully paid and I canceled a few days before the expiration date. A few weeks after cancellation, I received an audit request. I didn’t fill out the forms right away, and shortly after, I got an email saying I owed around $500 as an estimated audit charge since the forms hadn’t been submitted. I called biBERK to ask about it, and the agent told me that if I filled out the audit forms, they’d be able to issue a proper audit and adjust the premium based on actual payroll. I submitted the audit form the next day. To my surprise, after submitting the audit, the amount due increased to $1,300. I called again and was told I could submit a formal dispute, which I did. I explained that: I’m a small business with only one employee on payroll. The policy was canceled early, before the full term. No claims were ever filed. I submitted the audit forms in good faith expecting a fair adjustment—not a higher charge. Today I received the outcome of the dispute, and they only reduced the bill by $77—so I still owe $1,223. I’m feeling frustrated and a bit taken advantage of, especially since the audit estimate was originally much lower and I submitted accurate data as requested. Has anyone dealt with something like this before? Is there any recourse or further steps I can take? I appreciate any advice or insight.

I was just informed that my progressive home policy will be dropped due to the condition of my detached garage's roof. They want to see a signed contract to demolish the structure or replace the roof within "the immediate future." The problem is, we are working with a contractor and engineer to plan and permit a new 2 story garage/living space in its place and that process will likely take at least a year before breaking ground, maybe more. It would be a huge waste of money to re roof a structure that will be demolished and would be a huge inconvenience to demolish the structure over a year early. Does anyone know the magic words to say to impress upon them that the structure will be torn down. Or is there any way they can exclude that structure from my policy? Or am I SOL and should start shopping for a new policy?

State Farm is discontinuing the policy for my 3-unit multifamily rental property. My umbrella policy is also with State Farm. My agent told me umbrella will cover the rental property if a new policy I find is A-rated (i.e. by AM best, JD power, etc) and underlying liability limit of $500k is purchased. Is it really true that the new policy for my rental property must be an A-rated insurer? What if it is less than an A-rating or not even rated at all? Insurance is insurance, isn't it? It is becoming extremely difficult to find a good, quality top-rated insurer that will write a new policy for rental property (building) that is 70 years old.

My employer is putting our retirement funds (and a very nice match) into a TIAA Group Retirement Annuity account. I really don't want my money in an annuity, but there are no other options through their retirement plan, and the match is too good to pass up. Barring a major incident, I will likely work for them until I retire, and I don't anticipate taking the annuity upon retirement because it won't be enough to live on. Moving money out of a GRA takes 10 years, and I don't think I can start that process until I leave the company, leaving me in a potentially bad spot for up to 10 years after I retire. Does anyone know if I have an option I'm not seeing? I am putting money into an IRA as well, but not nearly as much, and I anticipate the bulk of my retirement savings will be tied up in this idiotic GRA.

I’m going to lose my mind. I feel like I’m going to have a panic attack. I have Aetna, yet I still owe $6000 on an er visit after I had complications with my gallbladder surgery. I haven’t even gotten the bill for my surgery yet. I literally cannot afford this. Insurance is through my work and I didn’t have a choice. My deductible is 6000 and yeah I’ve MET that now, but I still can’t afford $6000!!! Why is health insurance in the us so bad. I’m literally going to cry Is there ANYTHING I can do to lower my bill? I called the hospital and they couldn’t do anything to help

I need advise/help on how to proceed. I live in Houston Texas and have lived in my house for about 11 years. We had some hail damage to our roof that happened last (2024) and have had at least 4 contractors come inspect our roof nd give us a quote. The cheapest quote so far is $9000. My home insurance is with All State. They sent adjuster to take a look at our and finally say the damage they see is not much and at most would cost $3000 to fix which is below our deductible. I am so upset. I have diligently paid for insurance for 11years without submitting a single claim and now I have a legitimate one they are giving us the run around. How do I proceed from here? There is absolutely no way to fix the damage for $3000. How can I make the insurance company pay for this? I am lost. Please any advise is appreciated.

**THE PROBLEM** Our dog is a 7 year old English Bulldog. We had been with Nationwide pet insurance since he was a puppy and LOVED them! They were absolutely outstanding but then in 2024 their premiums went up like 3x-4x out of nowhere. I looked for some new providers and SPOT came in with a decent price (although still much more expensive than we were paying before). Our policy with SPOT started in August 2024 and Nationwide was cancelled the following month so there would be no lapse in coverage. **THE BACKGROUND** In November, he started having difficultly walking. I took him to the new vet he's been going to for the last few years and said it's hip dysplasia and is recommended stem cell treatment (we have stem cells stored with Ardent from when he was a puppy). I submitted the claim for his doctor visit and associated blood work and they denied it saying pre-existing condition. Apparently, in his medical records, back in early 2021 I had taken him into our previous vet because he was vomiting. They were concerned of a blockage (maybe ate something) and took xrays. They had made an incidental mention that bi-lateral his dysplasia was noticed while checking for blockage but that was it. I didn't even know about it. He never had any trouble walking, he was never seen for it, never received any treatment for it, and was never talked about or mentioned again by his previous or current vet. **THE QUESTION** Do I have any grounds or avenues for appealing this denial of coverage? On paper, they are saying pre-existing condition which I understand but he never was seen for it, never had signs or symptoms, never treated for it, and I didn't even know about it. It was an incidental comment 4 years ago while checking for something else. Since English Bulldogs are prone to hip dysplasia, I don't think it would be uncommon to observe some level of it - He was only 3 years old at that time. I live in CA if that matters.