Skip Navigation

InitialsDiceBearhttps://github.com/dicebear/dicebearhttps://creativecommons.org/publicdomain/zero/1.0/„Initials” (https://github.com/dicebear/dicebear) by „DiceBear”, licensed under „CC0 1.0” (https://creativecommons.org/publicdomain/zero/1.0/)N

neon_nova

@ neon_nova @lemmy.dbzer0.com

Posts
31
Comments
880
Joined
1 yr. ago

  • Microsoft wants to replace its entire C and C++ codebase, perhaps by 2030

    Jump

  • I remember that rumor for windows 11, I was really hopeful.

    I don’t think they really make money in windows itself.

    Why don’t they just come to linux and sell their server stuff there to keep people in that ecosystem?

  • How car dealerships screw you over

    Jump

  • Google Gemini Summary of the video for those who can’t watch the video at the moment.

    This video by Grant Rudow, titled "Dealerships Can't Sell Cars Anymore," explores the current breakdown of the American car market, focusing on how predatory lending, hidden costs, and high interest rates are creating a debt crisis for average consumers. The Current State of the Car Market • Rising Delinquencies & Repossessions: Car loan defaults are rising across all credit tiers, not just for high-risk borrowers [01:29]. Repossessions are projected to hit 10.5 million by the end of the year, with banks taking cars back after just one missed payment [02:28]. • Extreme Monthly Payments: The average new car payment has reached $749, with many people paying over $1,000 a month for standard family vehicles like Kias or Toyotas [02:56]. • Negative Equity: One in four new car owners owes more than the car is worth immediately after driving off the lot, averaging $10,000 in negative equity [03:10]. The "New Playbook" of Dealerships The video explains that dealerships are moving away from selling the car itself and instead selling "monthly payments" and recurring revenue: • Feature Subscriptions: Manufacturers are locking basic features behind paywalls. Things like heated seats, remote start, and even horsepower boosts are being turned into monthly subscription services [06:18]. • Data Monetization: Modern cars collect vast amounts of data on driving habits, which is sold to insurance companies and advertisers [06:45]. • Emotional Engineering: Salespeople pivot the conversation toward "affordability" per month (e.g., "It's only $63 more per month") to upsell customers from a $32,000 car to a $47,000 loan [08:52]. The Five Layers of the "Car Loan Trap" [09:32]

    1. Ultra-Long Terms: Loans are being stretched to 84 or 96 months (7–8 years) to make payments look smaller [09:49].
    2. Early Trade-ins: Most people trade in cars after 5 years, meaning they roll thousands in unpaid debt into their next loan [10:14].
    3. High Interest: Rates of 8–12% mean buyers often spend more on interest than on food [10:41].
    4. Backend Add-ons: Dealers make most of their profit on "extras" like fabric protection and extended warranties [10:55].
    5. The Debt Cycle: Rolling negative equity into new loans keeps consumers in a perpetual cycle of debt [11:15]. How to Protect Yourself • Focus on Total Price: Always negotiate the "out-the-door" price rather than the monthly payment to strip the dealer of their hidden tricks [13:03]. • Avoid Subscriptions: Reject software upgrades and add-ons that don't provide long-term value [13:21]. • Buy Mathematically, Not Emotionally: Redefine a "nice car" as one that provides financial breathing room rather than status [12:45]. • Wait for the Market to Soften: Buyers with cash or strong credit will gain significant leverage as dealerships struggle to move inventory [14:04].
  • Removed Locked

    Newly released epstein files show Trump doing abhorrent acts

    Jump

  • I read this, but I don’t really understand what it’s saying. It doesn’t seem really clear to me. Is witness information? The person who witnessed this or what?

  • Trump admin hit with $54 million lawsuit from major shoe company: report

    Jump

  • My first thought was love making, but who wants to take them off for that?!?

  • Trump announces new class of U.S. battleships named after himself

    Jump

  • Alladeen alladeen

  • Trump admin hit with $54 million lawsuit from major shoe company: report

    Jump

  • What will you be doing that one hour each day while not wearing the crocs?

  • Switch 2's Mario Kart World Bundle Has Apparently Reached The End Of Its Lifecycle | Nintendo Life

    Jump

  • Never heard of it, I’ll check it out. It sounds cool.

  • Through gritted teeth, Apple and Google allow alternative app stores in Japan

    Jump

  • So I guess it’s a Mozilla problem and not Apple

  • Switch 2's Mario Kart World Bundle Has Apparently Reached The End Of Its Lifecycle | Nintendo Life

    Jump

  • I played a race of Mario kart world at a kiosk and I did not really enjoy it.

    I think 8 deluxe is still the best Mario kart.

  • Through gritted teeth, Apple and Google allow alternative app stores in Japan

    Jump

  • No, and it’s annoying because Safari’s extensions I’ll let you install ad blockers, but they won’t work on Firefox even though it’s still Safari

  • Does anyone actually like... talk to extended family/relatives? Like an active effort to maintain relations and not just because of forced family gatherings?

    Jump

  • I’m an extrovert, but my extended family is weird.

    Most of them have problems, so I prefer to avoid them.

    The one family unit that does that have those problems is very nice, but they are strange. I recently talked to my brother about it and he gets the same vibe from them.

    But my immediate family is awesome! I talk to my mom, dad, brother, and sister weekly and I’m approaching my 40s.

  • Removed

    The White House has been caught

    Jump

  • I had an honest question.

    Is it possible this is part of the Epstein files because this picture was sent in an email?

    Or is that not how this whole things works?

    I genuinely do not know.

  • Steam winter sale is live. What patient games are you picking up?

    Jump

  • I decided to pull the trigger on bg3 maybe today or next week.

    Depends on if I have time to play today.

  • Steam winter sale is live. What patient games are you picking up?

    Jump

  • Yeah! I’m wanting that game.

    I have about $15 in steam credit, so I’m thinking of just pulling the trigger even though I have other games I’m actively playing.

  • Removed Locked

    Opinion: What’s going on with Donald Trump’s health? | Moira Donegan | The Guardian

    Jump

  • Wait! Is that why people think his hand is always bruised?

  • Trump expected to sign order reclassifying marijuana as a Schedule III drug, sources say

    Jump

  • What does this actually change? Also, why not just legalize it?

  • CBS News poll finds Americans say holidays are costing them more, some are scaling back

    Jump

  • My wife and I are. We had an a pretty nice dinner and snacks last year and they’re before for Christmas.

    This year, we are debating whether we will even get a cake.

    Don’t get me wrong, we are not so poor we can’t afford a cake, but maybe it’s better to save the money or spend it on other things.

  • Professional Bubble-Wrap Popper

    Jump

  • Yeah, sure. I’ll do it… later.

  • UK to “encourage” Apple and Google to put nudity-blocking systems on phones

    Jump

  • OMG. These plans are getting on my nerves.

    When a parent gives a kid their device and sets the child’s birthday, then enable these. If the birthday is over 18, the let them do what they want.

    Let parents parent the kid and get the government out of my life.