If you do not want to overpay on the interest, it is better to start with more than 20. On the one hand, at the beginning, it seems like you pay less, but on the other hand, the financial institution ...

Puller for oil filter. It is a handle with a bicycle chain loop. It can be used to unscrew any tightly screwed part. I highly recommend it.

I'm sure it's the wheels. It could be balancing or a change in wheel geometry due to an impact. Did you hit a pothole?