Any advice about my car loan?

I asked this in the auo loan thread but no one is answering me there. We had a repo in 2013. We bought a car in Oct 14 and got a terrible deal. Our interest rate is 10.25%. We have a 72 month loan and our monthly payment is $386. Right now we owe $19,000 on the loan and Kelly Blue book says its worth about $15,000. I don't think our credit has improved much since we bought the car. Maybe a few points. We haven't started trying to address our score until very recently. What's the best way to handle this? With our budget, after bills and groceries - we could probably pay around $300 a month on top of our regular payment most months. Should we do that for a year and then try to refinance? Is there any other option I'm not thinking of? I know Dave Ramsey types would say dump it and get a beater but we don't have any cash lying around for a car so we're just going to get up with a terrible interest rate - and no down payment. So I don't feel like there's enough of a "pay-off" for the sacrifice.

It can get tough when you're dealing with negative equity. Different banks use different lending guidelines when it comes to determining how much they are willing to lend in the first place for any specific vehicle, and the amount they will lend you will also depend on your credit. So even if you applied to refinance right now, there's no guarantee that the bank/lender you applied with would be willing to lend the amount you need to refinance. Basically, some lenders don't want to risk giving you a $19K loan on a car that's only worth $15K or less. You know that, though. I work in auto finance, so I always recommend to people in your situation to pay as MUCH as you possibly can to close the gap on what you owe vs. what you think the car is worth. Call around to several different banks and give them the VIN and the mileage and ask how much they might lend on it in order for you to figure out which lenders are more generous for what they're willing to finance for vehicles. 10% is definitely not horrible for a 72 month loan. I have people calling me to try to refinance 17%-25% on a regular basis. Also, make sure your overpayments go to principle if possible. I wouldn't recommend applying to refinance until you know the amount you owe is where it needs to be so you avoid unnecessary credit pulls and hurt your credit further. Another option would be to trade it in and use the same guidelines to find a bank willing to allow the negative equity to be rolled into the new purchase. But that doesn't solve anything except HOPEFULLY getting a lower APR if you buy a newer car or if your credit has improved since purchasing the last one. You're better off to try to just pay down the one you have if it's still running fine. Why take on more debt if the car works?

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What would you do? Thinking about refinancing car loan. Credit not yet optimized.

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slipper wrote:
Currently my objective is to get my credit scores to the high 700's-800 by years end so i can apply for a mortgage and be on my way to the American dream and home ownership. I started my subscription to MyFico last month and here are my scores: Equifax: 748 June 30, 2015, now 757 July 11, 2015Trans Union: 701 June 30, 2015, now 723 July 10, 2015Experian: 737 June 30, 2015, no updates With that said my credit score is not yet optimized to what i am aiming for. And i do not mind paying a little more to accelerate my path to optimization. Example: keeping a <10% balance on my credit cards versus keeping a zero balance. My current auto loan was originally for $31,000 at 6% for 5 years and i've made a full year of installments. I keep reading about DCU and their super attractive 1.74% APR. I also currently have an account with Penfed (though they have denied me a year ago when requesting for a $50k auto loan). If you were me, would you risk a drop in credit score for better car loan terms now? Or would you wait (if all goes as planned) until after i apply for and get a mortgage? If i can get approved for 1.74%, that'll decrease my payment from $600 to $540 or it would allow me to pay off the loan 6 mos early.I'd refi now. Too big of a difference not to.

Any advice about Google calendar?

I have been using iCal as my only calendar app on my iMac, ipad mini and iphone.
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ADK

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The description is one of the metadata fields that you cannot update yourself. You need to contact Apple and ask them to make the change for you. Quote the title, Apple ID, and ISBN of the book, and added description of the exact change needed, or complete replacement text for the description.
Michi.

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Any help would be appreciated.
Many thanks.

Does not sound too healthy! You should take it to the Genius bar in the Apple store. May need the hardware looked at...
It's most probably a backlight issue. Take some piccys of it while it isnt working now!!

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Solved!
Go to Solution.

either get a pata drive (you can get larger than the stock 40gb) or use your $ towards a more current new/used laptop. pata ssd would be a waste and I doubt adapter would work. also, ms is dropping support for xp so it would be a good time to upgrade to something with a more current os as well.
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Wireless hacker, any advice?

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You are safe using WPA with a non-dictionary password.
Sure WPA2 is better, but WPA is secure.
Should I leave the file sharing options unchecked until I need to share a file?
That would be the most secure.

Thinking of Upgrading to Lion and Aperture... any advice?

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Ron wrote:
I'm using 8gb RAM with my 27" i7 iMac and I'm in the middle of much trouble with jerking pages, shifting pixel counts accompanied by page shift, and now I'm stuck with no Timeline use in FCPX.
If you are running Lion first upgrade to 10.7.2.
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Odds of getting a 2nd Car Loan

Currenly my situation is as follows, Military Family living on base in Tucson AZ.I make 45K a Year. (US Airforce)My wife makes 28K a year. (Family Child Care Worker)We currently have 1 vehicle co signed together and bought it about 7 months ago before my wife even had a credit score or a job. We owe roughly 27K on it @ 6.9% APRWe both have credit scores in the mid 600s now and have NEVER missed a payment on a vehicle or have anything in collections.We have about $750 a month going to debts $410 of that is the car payment the rest 2 credit cards and a small 4K personal loan. ( All On time payments)We would like a full size truck for towing and family trips. What do you say the odds of getting a second car loan would be? Any advice? Thanks!

Welcome to MyFico.. How much are you looking to borrow for the car?

I believe that i have malware on my mac, osx 10.9.4. accordingly, i've tried to run clamxav (on my mac HD) but just get a spinning wheel, then have to shut down. any advice on how to stop spinning wheel or get rid of malware? please help. :-).

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are locked user files or that have incorrect permission a bad thing?
Yes.
why am i removing symantec?
Short answer: Because it's worse than useless and worse than the imaginary "viruses" you're afraid of would be if they really existed. For the long answer, see below.
1. This is a comment on what you should—and should not—do to protect yourself from malicious software ("malware") that circulates on the Internet and gets onto a computer as an unintended consequence of the user's actions. It does not apply to software, such as keystroke loggers, that may be installed deliberately by an intruder who has hands-on access to the computer, or who has been able to log in to it remotely. That threat is in a different category, and there's no easy way to defend against it.
The comment is long because the issue is complex. The key points are in sections 5, 6, and 10.
OS X now implements three layers of built-in protection specifically against malware, not counting runtime protections such as execute disable, sandboxing, system library randomization, and address space layout randomization that may also guard against other kinds of exploits.
2. All versions of OS X since 10.6.7 have been able to detect known Mac malware in downloaded files, and to block insecure web plugins. This feature is transparent to the user. Internally Apple calls it "XProtect."
The malware recognition database used by XProtect is automatically updated; however, you shouldn't rely on it, because the attackers are always at least a day ahead of the defenders.
The following caveats apply to XProtect:
☞ It can be bypassed by some third-party networking software, such as BitTorrent clients and Java applets.
☞ It only applies to software downloaded from the network. Software installed from a CD or other media is not checked.
As new versions of OS X are released, it's not clear whether Apple will indefinitely continue to maintain the XProtect database of older versions such as 10.6. The security of obsolete system versions may eventually be degraded. Security updates to the code of obsolete systems will stop being released at some point, and that may leave them open to other kinds of attack besides malware.
3. Starting with OS X 10.7.5, there has been a second layer of built-in malware protection, designated "Gatekeeper" by Apple. By default, applications and Installer packages downloaded from the network will only run if they're digitally signed by a developer with a certificate issued by Apple. Software certified in this way hasn't necessarily been tested by Apple, but you can be reasonably sure that it hasn't been modified by anyone other than the developer. His identity is known to Apple, so he could be held legally responsible if he distributed malware. That may not mean much if the developer lives in a country with a weak legal system (see below.)
Gatekeeper doesn't depend on a database of known malware. It has, however, the same limitations as XProtect, and in addition the following:
☞ It can easily be disabled or overridden by the user.
☞ A malware attacker could get control of a code-signing certificate under false pretenses, or could simply ignore the consequences of distributing codesigned malware.
☞ An App Store developer could find a way to bypass Apple's oversight, or the oversight could fail due to human error.
Apple has so far failed to revoke the codesigning certificates of some known abusers, thereby diluting the value of Gatekeeper and the Developer ID program. These failures don't involve App Store products, however.
For the reasons given, App Store products, and—to a lesser extent—other applications recognized by Gatekeeper as signed, are safer than others, but they can't be considered absolutely safe. "Sandboxed" applications may prompt for access to private data, such as your contacts, or for access to the network. Think before granting that access. Sandbox security is based on user input. Never click through any request for authorization without thinking.
4. Starting with OS X 10.8.3, a third layer of protection has been added: a "Malware Removal Tool" (MRT). MRT runs automatically in the background when you update the OS. It checks for, and removes, malware that may have evaded the other protections via a Java exploit (see below.) MRT also runs when you install or update the Apple-supplied Java runtime (but not the Oracle runtime.) Like XProtect, MRT is effective against known threats, but not against unknown ones. It notifies you if it finds malware, but otherwise there's no user interface to MRT.
5. The built-in security features of OS X reduce the risk of malware attack, but they are not, and never will be, complete protection. Malware is a problem of human behavior, and a technological fix is not going to solve it. Trusting software to protect you will only make you more vulnerable.
The best defense is always going to be your own intelligence. With the possible exception of Java exploits, all known malware circulating on the Internet that affects a fully-updated installation of OS X 10.6 or later takes the form of so-called "Trojan horses," which can only have an effect if the victim is duped into running them. The threat therefore amounts to a battle of wits between you and the scam artists. If you're smarter than they think you are, you'll win. That means, in practice, that you always stay within a safe harbor of computing practices. How do you know when you're leaving the safe harbor? Below are some warning signs of danger.
Software from an untrustworthy source
☞ Software of any kind is distributed via BitTorrent, or Usenet, or on a website that also distributes pirated music or movies.
☞ Software with a corporate brand, such as Adobe Flash Player, doesn't come directly from the developer’s website. Do not trust an alert from any website to update Flash, or your browser, or any other software.
☞ Rogue websites such as Softonic and CNET Download distribute free applications that have been packaged in a superfluous "installer."
☞ The software is advertised by means of spam or intrusive web ads. Any ad, on any site, that includes a direct link to a download should be ignored.
Software that is plainly illegal or does something illegal
☞ High-priced commercial software such as Photoshop is "cracked" or "free."
☞ An application helps you to infringe copyright, for instance by circumventing the copy protection on commercial software, or saving streamed media for reuse without permission.
Conditional or unsolicited offers from strangers
☞ A telephone caller or a web page tells you that you have a “virus” and offers to help you remove it. (Some reputable websites did legitimately warn visitors who were infected with the "DNSChanger" malware. That exception to this rule no longer applies.)
☞ A web site offers free content such as video or music, but to use it you must install a “codec,” “plug-in,” "player," "downloader," "extractor," or “certificate” that comes from that same site, or an unknown one.
☞ You win a prize in a contest you never entered.
☞ Someone on a message board such as this one is eager to help you, but only if you download an application of his choosing.
☞ A "FREE WI-FI !!!" network advertises itself in a public place such as an airport, but is not provided by the management.
☞ Anything online that you would expect to pay for is "free."
Unexpected events
☞ A file is downloaded automatically when you visit a web page, with no other action on your part. Delete any such file without opening it.
☞ You open what you think is a document and get an alert that it's "an application downloaded from the Internet." Click Cancel and delete the file. Even if you don't get the alert, you should still delete any file that isn't what you expected it to be.
☞ An application does something you don't expect, such as asking for permission to access your contacts, your location, or the Internet for no obvious reason.
☞ Software is attached to email that you didn't request, even if it comes (or seems to come) from someone you trust.
I don't say that leaving the safe harbor just once will necessarily result in disaster, but making a habit of it will weaken your defenses against malware attack. Any of the above scenarios should, at the very least, make you uncomfortable.
6. Java on the Web (not to be confused with JavaScript, to which it's not related, despite the similarity of the names) is a weak point in the security of any system. Java is, among other things, a platform for running complex applications in a web page, on the client. That was always a bad idea, and Java's developers have proven themselves incapable of implementing it without also creating a portal for malware to enter. Past Java exploits are the closest thing there has ever been to a Windows-style virus affecting OS X. Merely loading a page with malicious Java content could be harmful.
Fortunately, client-side Java on the Web is obsolete and mostly extinct. Only a few outmoded sites still use it. Try to hasten the process of extinction by avoiding those sites, if you have a choice. Forget about playing games or other non-essential uses of Java.
Java is not included in OS X 10.7 and later. Discrete Java installers are distributed by Apple and by Oracle (the developer of Java.) Don't use either one unless you need it. Most people don't. If Java is installed, disable it—not JavaScript—in your browsers.
Regardless of version, experience has shown that Java on the Web can't be trusted. If you must use a Java applet for a task on a specific site, enable Java only for that site in Safari. Never enable Java for a public website that carries third-party advertising. Use it only on well-known, login-protected, secure websites without ads. In Safari 6 or later, you'll see a lock icon in the address bar with the abbreviation "https" when visiting a secure site.
Stay within the safe harbor, and you’ll be as safe from malware as you can practically be. The rest of this comment concerns what you should not do to protect yourself.
7. Never install any commercial "anti-virus" (AV) or "Internet security" products for the Mac, as they are all worse than useless. If you need to be able to detect Windows malware in your files, use one of the free security apps in the Mac App Store—nothing else.
Why shouldn't you use commercial AV products?
☞ To recognize malware, the software depends on a database of known threats, which is always at least a day out of date. This technique is a proven failure, as a major AV software vendor has admitted. Most attacks are "zero-day"—that is, previously unknown. Recognition-based AV does not defend against such attacks, and the enterprise IT industry is coming to the realization that traditional AV software is worthless.
☞ Its design is predicated on the nonexistent threat that malware may be injected at any time, anywhere in the file system. Malware is downloaded from the network; it doesn't materialize from nowhere. In order to meet that nonexistent threat, commercial AV software modifies or duplicates low-level functions of the operating system, which is a waste of resources and a common cause of instability, bugs, and poor performance.
☞ By modifying the operating system, the software may also create weaknesses that could be exploited by malware attackers.
☞ Most importantly, a false sense of security is dangerous.
8. An AV product from the App Store, such as "ClamXav," has the same drawback as the commercial suites of being always out of date, but it does not inject low-level code into the operating system. That doesn't mean it's entirely harmless. It may report email messages that have "phishing" links in the body, or Windows malware in attachments, as infected files, and offer to delete or move them. Doing so will corrupt the Mail database. The messages should be deleted from within the Mail application.
An AV app is not needed, and cannot be relied upon, for protection against OS X malware. It's useful, if at all, only for detecting Windows malware, and even for that use it's not really effective, because new Windows malware is emerging much faster than OS X malware.
Windows malware can't harm you directly (unless, of course, you use Windows.) Just don't pass it on to anyone else. A malicious attachment in email is usually easy to recognize by the name alone. An actual example:
London Terror Moovie.avi [124 spaces] Checked By Norton Antivirus.exe
You don't need software to tell you that's a Windows trojan. Software may be able to tell you which trojan it is, but who cares? In practice, there's no reason to use recognition software unless an organizational policy requires it. Windows malware is so widespread that you should assume it's in everyemail attachment until proven otherwise. Nevertheless, ClamXav or a similar product from the App Store may serve a purpose if it satisfies an ill-informed network administrator who says you must run some kind of AV application. It's free and it won't handicap the system.
The ClamXav developer won't try to "upsell" you to a paid version of the product. Other developers may do that. Don't be upsold. For one thing, you should not pay to protect Windows users from the consequences of their choice of computing platform. For another, a paid upgrade from a free app will probably have all the disadvantages mentioned in section 7.
9. It seems to be a common belief that the built-in Application Firewall acts as a barrier to infection, or prevents malware from functioning. It does neither. It blocks inbound connections to certain network services you're running, such as file sharing. It's disabled by default and you should leave it that way if you're behind a router on a private home or office network. Activate it only when you're on an untrusted network, for instance a public Wi-Fi hotspot, where you don't want to provide services. Disable any services you don't use in the Sharing preference pane. All are disabled by default.
10. As a Mac user, you don't have to live in fear that your computer may be infected every time you install software, read email, or visit a web page. But neither can you assume that you will always be safe from exploitation, no matter what you do. Navigating the Internet is like walking the streets of a big city. It's as safe or as dangerous as you choose to make it. The greatest harm done by security software is precisely its selling point: it makes people feel safe. They may then feel safe enough to take risks from which the software doesn't protect them. Nothing can lessen the need for safe computing practices.

Any advice about my car loan?

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