GeauxGriffin

We had this issue. The first time we left our rescue poodle mix home alone, she chewed through a bathroom door and ripped down all of the house blinds. She also would lick her paws incessantly and work herself up to the point where she would become severely dehydrated. She also went through a stretch of urinating on herself in the kennel.

Thereafter, we tried EVERYTHING from hiring a dog behavioral "expert", medication (doggy prozac and xanax), homeopathic remedies, etc etc. Nothing really seemed to help. After many trials, we eventually found a crate that she couldn't get out of. We would always leave a kong toy with peanut butter inside the crate for her, and try to never leave her in there for more than a few hours (we had someone stop by the house when we are at work).

A few years later and sans medication, her anxiety has definitely subsided. Now we are able to keep her in a playpen with a blanket (which she doesn't chew up!) when we leave the house. She's still a little anxious when we first leave, but will eventually lay down and stop barking. We still always leave the peanut butter kong toy for her.

I wish I had a quick fix solution, but for us and our experience, it just took a lot of patience and trust-building where now she knows we are going to come home. I'm not going to say that it wasn't inconvenient at times or trying, but I wouldn't trade that dog for anything and would do it again.

To everyone saying to shoot the dog, shame on you.

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How much are you saving overall?

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$480 :lol:

If you count not getting the extended warranty, that's another $2k or so (from what they were trying to quote it at)

I figured I didn't need it since I got an emergency fund, for well, emergencies, plus they seem to rarely make sense based on what I read.

What I learned from this experience is, holy shite people spend too much money on cars. I know what I spent on mine, and my household income is very high percentile, but I didn't get a luxury vehicle or anything or a new car. Its unbelievable.

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You got a better rate because they lose money if you seek out direct financing. This way they still probably get a flat on whatever you finance vs getting nothing.

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Ya, I know there is nothing altruistic about it. But its nice I turned a mistake into a "win" here for myself. The direct lines aren't going to get any lower at this point, so that is OK by me. But do let me know if I missed something. First time doing this so I'm all ears.

Financing is through Capital One. Bank that came out way ahead was Chase. Really disappointed that USAA gave me the worst rate by far as I really like them.

Thanks for sharing your experience. Making me feel better.

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Check with your current lender to ensure there is no pre-payment penalty if you decide to refinance elsewhere.

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Ya, my question here is, am I already in "refinance land?" Is the financing 100% already accepted?

Its been literally 24 hours since the car has driven off the lot. So if I can just "substitute" one for the other right here that would be great.

If not, then I can go through the refinancing procedure. It appears the only prepayment penalty is an "optional" $25 charge for doing so.

I hate how PI is called/not called at the end of games.

That play is most likely called the other way 99.9% of plays or 59 minutes and 45 seconds, but when its the last play the rulebook is tossed out.

PI doesn't exist (except the occasional oddity) on the last play.