JubBurnsRed53

Then I'd keep that up. Sounds like you're doing great!

I see, and I hope I'm not coming off as patronizing or anything; however, what happens at the end of the 6 years if you fail to pay everything back? From my understanding of 0% interest loans (which I'm not a particularly financially savy person), if it's not paid back by the end of that time (6 years in this case) you'll most likely receive huge penalties. Not only to your credit score, but also to your wallet since you'll probably be required to pay back much more at that point. Maybe you don't make regular monthly payments, and there are no immediate penalties, but at the end of those 6 years you'll still owe what's left. I'd rather make a bunch of $350 payments than one $12.5k payment. Unless you could afford that, I just don't think most people can ¯⁠\⁠_⁠(⁠ツ⁠)⁠_⁠/⁠¯

I just think staying in your current payment plan would be best. No matter what, you'd have saved at least $350 for your car each month, you might as well just pay it as it goes. Don't pay it of too early it anything, but do what you can to reach that end goal. I could be wrong, but I doubt a car dealership would give out an untimed, pay whenever you want loan to somebody. Most dealers are out to make money and giving somebody a loan like that wouldn't do them any favors. Even if you have good credit.

It's a vault quest, can't remember the vault of the top of my head, but the one with the mole rats and you have to decide whether or not to cure a kid or yourself of a disease. However, if you're able to not get bit by the mole rats then you can just save the kid. Very good quest. I think it's tiedto Curie too.

It's never a good idea to try and screw somebody over that's given you a good deal, not that I'm saying that's your intent; however, that being said, I would pay the loan and not take advantage of it, just to be safe. It's good for your credit score, it'll erase debt, and you don't know what could happen in the next few years. Medical accident, have a kid, get married, can't work, get paid off, something, anything that can happen to somebody. You wouldn't want some $12.5 grand just hanging around in debt. No matter what, that'll have to be paid off some way, some how. Better to get it out of the way in my book, especially if you can right now. If you have a financial planner or fiduciary I'd talk to them too for questions like this. Not degenerates like me. Hope that' helps. Not trying to scare you, but I don't ef with debt.

Yes, oops haha.

Gen IV, solely because of HGSS. Gen II holds a special place in my heart. Gen I is were I started, but I found Gen II to be everything I ever wanted in a game. Until HGSS changed that by making it almost perfect.

Honorable mentions: I've really like gen XI because of all the quality of life changes, the story was surprisingly emotional (not great, but better than any other gens as far as I'm concerned), and the terastilization is cool as hell. It genuinly changes up how I plan my teams and I get to experiment with Pokemon I don't usually like or that have types that ruin them. Gen VI was dope too. Megas were awesome and ORAS is the definitive way to experience gen III.

Edit: Also, Gen VIII because legends Arceus was refreshing as heck. Genuinly made meaningful changes for the better and felt good to play. Despite being a much more limited experience. It was focused and fun. Probably my second favorite Pokemon game. SHSW were pretty weak, all things considered, but Legends Arceus was special.

Is this from CircleToons haha?

Maybe haha. Are you a detective or something?

I was gonna call first, but I hope they haven't lost it or tried to transfer it.

I'll probably be the only one here, brave enough, to mention this, but the Gear of War series has had some very real tear jerker moments. I don't think I've ever actually cried, but I've come close and it has definitely left me feeling different after the events. Gears 2, 3, and 5 specifically come to mind. If you know, you know.

Thank you!

Oh cool haha! My mom asked me what kind of clouds those were and I was more clueless than a grandparent with a smart phone. I thought they were just neat cumulus clouds.