You don't. Something doesn't add up.

As long as he had a somewhat decent job he should be able to get a loan for $7k, even if it's like 20% interest... which would be cheaper than yours.

If he's that large of a risk to a lender (like doesn't have a job, is $100k in debt already on $50k income, etc) don't loan him the money. Also stay out of it if he's doing something illegal, like selling drugs which is why you know he'll be able to pay you back, but a bank or other lender wouldn't approve that...

Something doesn't add up, and you're charging him WAY to much.

I don’t understand what you’re asking. Pay cadence doesn’t matter unless you’re living paycheck to paycheck

I guess you're saying you aren't a fan of the usual recommendations of Ally HYSA and no-penalty CDs. Are you going to say why these are "extremely dangerous"?

I had a lady do this to me once - I had an old 66 Buick and I parked next to her, and she came back saying I hit her. She was already parked when I drove up I have a big metal bumper and she's in a 90's plastic-mobile. NO WAY I touched her.

So I'll suggest the same thing you do that I did:

If you think you did something, take responsibility

If you think you didn't do it, honestly, then ignore it, and sleep well at night.

I take responsibility for mistakes I MAKE, but I"m not taking responsibility when I didn't.

true ill try to discuss more, im not sure how strict it is

You asked for help and I took my time to give you advice. Enjoy drowning in debt you tool.

I suppose the answer is to do that and just have a conversation

Marcus currently has a promo for 10-month CD at 5.05%

Former insurance adjuster here. Your insurance company will take care of you much better than the other guy's insurance company. Your insurance will just subrogate the bills from the other insurance company. You might have to pay your deductible first, but your insurance will get it back from the other insurance. We were trained to prioritize our own customers regardless of fault and to not care as much for the "other insured" (or people our customers hit or hit our customers).

Look for full time teaching opportunities even ones out of state. Many schools are hurting for teachers and it wouldn’t matter that your degree isn’t education specific.

I was 10k in debt too, never paid a cent of it, now I'm out of debt, also would move states and change my phone number like crazy. My credit went from 500 to 680 after all the BS fell off.

Angry cops on YouTube has a series (this old crack house) where he buys one of these houses. That might give you insights at a possibility of what’s in store

Im not sure he hasnt said this about me it was a rule for a sisters boyfriend, ill have to discuss further to see how its planned, ill also see if I can get a better job if possible thanks

[removed]

I don't notify my own insurance company if the other party is clearly at fault and there is a police report that reflects that. Your insurance company will record the incident and it counts against you. (They SAY it doesn't count against you, but it does. They track the number of incidents you are in and even not at fault accidents count against you to a certain degree).

This is a scenario where those who aren't as experienced in dealing with insurance should probably get their own company involved, however.

edit I guess the downvoters are confused about how insurance works?

It’s not illegal. They have no contractual relationship with you, they have a contractual relationship with their client. Their interest is in paying as little as you will accept to absolve their client of further liability. Their client has damaged your property; if there was no such thing as insurance, you would be filing a lawsuit against the person who damaged your property, seeking a judgement against them. When their insurance offers you a payment, they’re offering to settle your claim of damages against their client; you’re agreeing not to seek further damages.

thanks ill sell my bmw and either get a bike or public transit or carpool for now

I will look into different support options. I'm just afraid I'll be put on a med that makes me feel like garbage again

With an illustrator's skill set, you may have a role in IT in user interface design for a software company, or in diagramming technical layouts for networking and hardware based systems. Both of those are things that AI probably isn't going to be able to replicate since they require non-image inputs, i.e. text systems.

Going back to school is scary, but it can be worth it. I had a "worthless" undergraduate degree (English....) and tacked on a master's degree in business technology. I worked part time in a Managed Service Provider (MSP) first as a network technician, then as their junior systems administrator, while I was getting my degree. I landed a job first as a general IT analyst, and now as a business analyst for a software team.

Ironically, I spent the last two months..... in Photoshop. Making new icons for our software as part of a user interface refresh. I was the only person on the team with any kind of art training whatsoever, so.....

Is that even legal?

I said what I said…consider yourself warned.

Lmao what the fuck though tryna take the kidney on third visit? Like what are you actually talking about? That just made me scared for a while.

[removed]

I don't disagree that they may be able to find a HYSA with an organization with physical locations but that doesn't mean online banks are dangerous, nor that everyone who recommends them is a shill.

Also, she’s only 21 and “is getting a job”. She hasn’t even started her career yet. A lot of things could change between now and then. If you stay together then hopefully knowing her own mind is one of them.

That being said, does she/her father know the extent of your debts and salary? Because if so, especially as CEO, this guy knows marriage is off the table with his rule. And maybe that’s what he’s counting on—it’s a way to keep his daughter safe from marrying young while ensuring financial stability.