Definitely shop around, but sometimes the dealership does have an actual competitive offer. Especially if you threaten to use external financing (and have the pre approval in hand), they might knock down their interest rate to save the deal, as the loan is where the money actually is.
- 0 Posts
- 33 Comments
You pay for the ability to access capital you do not currently have. Nobody owes you thousands of dollars with which to but a car. If you want to buy a car with money you don’t have, then you have to give the bank something in return. That something almost always is “more money than we initially lent you, over the course of the loan period” and if you shut that down, banks just won’t give loans anymore. Suddenly poor and middle class people have lost their biggest tool for accessing capital.
Lack of public transport is a separate problem. The US has dropped the ball across the board there. Only a handful of cities have any reasonable public transport and even those systems are old and often shitty.
Education being so expensive that it needs to be financed, is a separate problem. Education is too important to leave to the free market, letting our system metastacize to this extent is the result of decades of compounding failures.
16.9% interest is predatory, but “interest above inflation” is necessary if you want banks to do anything besides hoard money.
You make some pots for the neighbors, think your work is done, then suddenly it’s “Oh no Arkadios we dropped one of our urns and also we want to store extra grain for the cold season” and here I am making MORE FUCKING URNS.
What I wouldn’t give to live in the old days before people had to learn a trade to get by!
Bassman1805@lemmy.worldto News@lemmy.world•The Supreme Court seems eager to curb First Amendment protections for porn4·4 months agoYou don’t have to think sex is bad to think porn is bad for children and teens.
This Texas law and others like it are bullshit, but making strawman arguments about them isn’t helping anything.
Bassman1805@lemmy.worldto News@lemmy.world•‘I just felt trapped’ | Allegations of abuse at Arizona facility for troubled teens14·4 months agoThe troubled teen industry is a fucked up place.
Elan.school is a great story of one of those awful places.
Bassman1805@lemmy.worldto News@lemmy.world•Missouri officers accused of pulling over women, searching phones for nude pictures23·6 months agoNever give cops your phone, yes. Also, don’t use biometrics to lock your phone. Police can legally force you to unlock with your thumb print, they legally (and like, physically) cannot force you to reveal a passcode stored only in your brain.
Bassman1805@lemmy.worldto News@lemmy.world•Maori protesters march on New Zealand capital over contentious bill51·6 months agoThat’s not exactly what the Haka is. They were often performed as a precursor to war, but not exclusively. They’re also used as a celebratory ritual, you’ll see modern day Maori doing a haka for kids graduating school for example.
Bassman1805@lemmy.worldto News@lemmy.world•Elon Musk’s daily $1 million giveaway to voters can continue, Pennsylvania judge rules3·6 months agoYeah, but if you get caught with a paper trail and only one comma, nobody’s gonna jump to your defense.
Bassman1805@lemmy.worldto News@lemmy.world•Elon Musk’s daily $1 million giveaway to voters can continue, Pennsylvania judge rules7·6 months agoFWIW, I think this injunction was not about election integrity, but gambling laws.
But yeah, bribery is legal if you have that third comma in your net worth.
Bassman1805@lemmy.worldto News@lemmy.world•Fitness app Strava gives away location of Biden, Trump and other leaders, French newspaper says101·7 months agoFitness isn’t something you just achieve and it’s done. You need to keep exercising to retain that level of fitness.
Bassman1805@lemmy.worldto News@lemmy.world•Donald Trump will ‘work the fry cooker’ at McDonald’s in Pa. this weekend13·7 months ago“One order for fried ice, Don!”
Bassman1805@lemmy.worldto News@lemmy.world•US judge demoted after detaining teenage girl during field trip to courtroom331·8 months agoI can see a certain angle where it makes sense: youth/general outreach, educating people about the court system. Something a little more interactive/entertaining than CSPAN, but more real than Judge Judy.
But you throw “influencer culture” into the mix and you’ve got a disastrous recipe for The Chat influencing the outcome of cases.
Bassman1805@lemmy.worldto News@lemmy.world•Donald Trump briefed on suspected Iranian assassination plot13·8 months agoAnd he pulled out of a mutually beneficial nuclear treaty so that he could slap a bunch of sanctions on them.
Bassman1805@lemmy.worldto News@lemmy.world•US health system ranks last compared with peer nations, report finds28·8 months agoMy wife broke her ankle and insurance denied the entire claim for being “not medically necessary”. The “medical professional” (not doctor) who denied the claim had experience in OBGYN, not orthopedics.
100% going to win the appeal because like, we have x-rays of the shattered bones in her leg, but seriously wtf. People seriously believe this is the ideal medical system?
Bassman1805@lemmy.worldto News@lemmy.world•Colorado teen shot in the face by town councilman after going to home to ask permission to take homecoming photos18·8 months agoThey also were in their car outside the gate to the property. TECHNICALLY that gate may be inside the property line, but that’s still totally egregious.
Bassman1805@lemmy.worldto Lemmy Shitpost@lemmy.world•America's Smartest Man Finds Something Interesting0·8 months ago“Pele who can’t defend themselves physically”
Like Elon, who pulled out of a fight he tried to start with Zuck because he’d get his ass kicked?
Bassman1805@lemmy.worldto News@lemmy.world•Texas Attorney General Ken Paxton raids Latino Democrats' homes, including those of LULAC members15·9 months agoYou know Texas is in a bad place when Dan Crenshaw is like our fifth-worst politician
Alas, still depressed
Bassman1805@lemmy.worldto News@lemmy.world•Trump Media reports $16 million loss for quarter as revenue falls3·9 months agoOne could argue that the non profit has largely done its job at this point so it’s only a symbolic victory.
Bill Nye kind of is a dick though.
Some people are really warm in acute person-to-person interactions, but lack the chronic empathy to spread long-term kindness. See “southern hospitality” clashing with who those areas vote for.
Others have a well-oriented moral compass but are just really abrasive in person. That’s Bill Nye. I’ve met him and he’s not like, super mean but he’s got a bit of a holier-than-thou (or rather, smarter-than-you) complex.