Kirstie-Forest Ranger @ Dunning-Kruger Nat'l Park

I'm sure that putting shitty takes, lies, and content that is repugnant to decent people, instead of hosting it mostly in text form, is going to turn that place right around.

This is weird, though. You only have 16 followers, but 200+ people I follow also follow you. Math isn't my strong suit, but...

Looks like Nissan and a couple of others have had their accounts restored.

Not sure if your account fits the pattern, but most of the others state they recently criticized Bill Ackman, and they think that criticism may have been the catalyst.

Several journalists. Steven Monacelli (Texas Observer), Ken Klippenstein (The Intercept), blogger Rob Rousseau. Names keep popping up as more banned accounts are discovered this morning.

Oh, that's Autoparodycus maximus, a species that has recently risen to the forefront of society. Thanks to a pervasive strain of incelitis spreading through this group, they are unable to reproduce rapidly.

Is that the name of the label? My dog would probably like a shirt like that.

Yeah, my statement was deliberately OTT, but I wasn't far off as I thought I might be. Solid evidence, right there. That's Q-Anon level garbage.

Guessing it's some account with display name "Judge Engoron's Wife," because that is definitely something they'd fall for.

My first visit to your account here - LOL at the impersonation warning!

Not at all. At any time, if you type "H---ler was right" into the search bar, and click the "latest" tab, you can watch the hate roll right in.

??

Interesting abyss that spontaneously appeared on her face in the last picture.

Wait, what? The lifeblood of Twitter, now considered inappropriate use.

And I come back to, again, a lot of people don't understand leasing, and what all the numbers mean, both for the term of the lease and the buyout. It's certainly not for everyone (and specifically, not me since I drive <1,000 miles per year), but some people could be missing out.

That's one part of leasing that people find confusing. Also, I would venture to say that people who don't have $2000 cash to put down are mostly NOT likely to be in the credit tier required for most leases. But also, $2k is less than most would pay for TTL on a new car.

I wonder why? Better understanding of leasing? Smaller land area, so less fear of exceeding mileage allowance? (These are legitimate questions, btw. I really don't know.)
There are some amazing incentives on multitude EV and PHEV vehicle models right now, which could be a steal for the right buyer.

I'm seeing plenty of <$500 due-at-signing deals, which, considering that in most places, the sales tax is included in the monthly payment rather than in a lump sum that requires cash, is a lot lower initial out-of-pocked cost.

What, in your opinion, is a lot of cash?
PS - I think it's more that 1) people find leasing confusing, which it can be, 2) don't see themselves as the consumer who trades in that often (even if they are), or 3) know they will overrun the mileage.

It just means that auto loans are going to be increasingly hard to come by, with limited choices for financing, which will hurt consumers the most.

I'm not claiming to "know better" than anyone. I do know that multiple lending institutions have heavily scaled back or eliminated their auto loan portfolios.

Loan defaults on vehicles are crazy high this year. I don't know what banks are thinking. I do know that a lot of banks have pulled out of the vehicle financing market altogether.

EXCEPT WHEN the economy takes an unexpected negative turn (see: COVID) and then everyone gets screwed. So yes, it is a bad idea all around.

until eventually the consumer has no way to get out of a vehicle, regardless of what happens to them economically, except to have the vehicle repo'ed.

But it's not usually the bank that gets screwed - it's the consumer. If they have a 5-year loan and want to trade in after 3 years, they are likely at break even or have some equity. Not so with a 7-year loan, but dealers/banks will roll negative equity from the first vehicle into the next loan...

will also make money on the interest on that vehicle. MOST people who take out 7 year loans are in a more tenuous financial position, and take the 7-year loan because they can't afford the payment on the 5-year loan.

Because the bank makes money on their overall portfolio of loans. Most people don't default, and most people who do don't default in the first year, meaning the bank is making money on their overall portfolio. If they repo the car, it gets resold, and likely the same bank (or another)...

There's a huge problem with that premise. It won't likely be worth more than the loan amount until about 3-4 years into the loan. 2021-22 used car values were an anomaly, which is rapidly correcting. Source: I work in the industry.

"How are you doing today? I hope you are healthy." - 90% of my Twitter DMs before I set to only allow them from people who follow me.

Bingo. I've been a user-generated content manager for 26 years. Never once have I managed a community that is, by design, an echo chamber, that has been successful. There's an initial boom, because people find the idea attractive, but they always die a painful death when users inevitably grow bored.