stanley arukwe

Lord this quarantine had me looking crazy man thank god barber shop back open.

@laurencowling @BookitWithTrent Cooked

Bring it home @BookitWithTrent

That was the fastest not guilty I have seen

@big_business_ The fastest not guilty

Stefon Diggs is NOT GUILY on all charges involving his former live-in personal chef, Mila Adams. 🚨🚨🚨🚨🚨

@ClipXClipX This is what @gmalone was saying that he’s not scared of the cops prime example that he would be glasses ain’t bout that life

🚨 Kick streamer Conner gets pressed by a gang member while filming a police raid in LA 👀 called a "snitch" even though cops were already on scene serving a warrant 💀

Maxey over here fading like Kobe

@TweetsAbtNothin C as n I get this

This might be AI, but I've been spinnin' this joint crazy 😭😭

Devin booker is on the banned list

@CTG405 @ygTreceX @Domthgreat Dude a digital sale is streaming

@ygTreceX @Domthgreat I misread what I searched up, but I did find that. 47k of its first week sales were digital downloads, but doesn't that mean I was technically right about it not being completely streaming?

I would REALLY hope an album with a year and a half rollout will outsell a surprise album with only 12 songs 😭

@sharpboyjon Thanks bro

Honest work, I’ll take it

@AltaPicks @OverOwnedDFS

🫣 🔜

Paolo respects paper Jalen green on the other hand just trash man how you let Dillion brooks shoot 25 times bro

@TheChefKayy I was until bane hooked me

@TheChefKayy Took his under FS

I’ll never bet on Franz again

@SportsCenter That’s why he shot like 30 threes yesterday

KON WINS NBA 3PT RACE OVER LAMELO BY ONE THREE 🤯 LaMelo Ball and Kon Knueppel are the first duo with 270+ threes each in a season since Steph and Klay 😳

@cbouzy Let the gop in fighting happen in Texas

They stopped talking about James Talarico after he won the primary. He has been MIA.

@AltaPicks stanarukwe

Cash POD! 💎🫰🏻 whop.com/altapicks/

@StreetFightsHQ Pnd makes great music but where was this when he used Haiti Babi BM for his album cover 👀👀👀

PartyNextDoor calls out Chris Brown, Bryson Tiller, and Jeremih after they featured his ex-girlfriend Desma in the new music video for "Wait On It." “Im finna make these n*ggas cry… Bryson, Chris, and Jeremih… enjoy the nights of your life” 😳

@TheChefKayy Bang

BANG CASH THE FUCKING NBA SZN MEGA WHALE SLIP🔥🔥🔥🔥🔥🔥🔥 WE HAD 300K VIEWS BEFORE THE SZN STARTED WHO TF TAILED!?!? MY FIRST NBA SZN SLIP ✅✅ $400 ➡️ $4K ✅ SHOW ME THOSE SLIPS 🔥🔥🔥🔥🔥 (AD will DNP since he didn’t play 41 games) Don’t miss out on the discount cause there won’t be another like this for a long time! $10 to join ⬇️⬇️ dubclub.win/r/p/pri-86d3m/…

@LeVeonBell You rape children sit this out bro

can somebody tell me what I say that was wrong? all I did was state the OBVIOUS 😭

@iOccupyNigeria @Raindropsmedia1 Aren’t they selling model y with 0 percent interest

This is another good example of why the financing terms matter more than the car itself. Let’s break down the numbers. The advertised deal Down payment: $4,000 Monthly payment: $1,000 Interest rate: 15% Loan term: 90 months (7.5 years) Total cost of the loan Monthly payments alone: $1,000 × 90 months = $90,000 Add the down payment: $90,000 + $4,000 = $94,000 total paid So the buyer will pay about $94,000 for the car. Compare that with the typical price Most Tesla vehicles commonly sold at dealerships like this fall roughly in these ranges: Tesla Model 3 used: about $25,000 – $35,000 Tesla Model Y used: about $35,000 – $45,000 Even if we assume the car costs $40,000, paying $94,000 means the financing structure alone adds over $50,000 in cost. That is more than the price of the car itself. The interest rate problem A 15% auto loan is extremely expensive. For comparison: Typical ranges in the U.S.: Excellent credit: 5–7% Average credit: 7–10% Poor credit: 10–14% So 15% is already at the extreme end of subprime lending. But the bigger problem is combining that rate with a 90-month loan. The longer the loan, the more interest accumulates. Stretching a loan out to 7.5 years dramatically increases the total paid. Depreciation Cars lose value every year, and electric vehicles are not immune. The moment the car leaves the lot, it typically drops 10–15% in value immediately. If the car is worth about $40,000, the moment it becomes a used vehicle its real market value may be closer to $34,000–$36,000. But the buyer still owes nearly the full loan balance. Estimated value over time After 5 years, a Tesla Model 3 or Model Y typically sells for roughly: $18,000 – $25,000, depending on mileage and battery condition. Yet after five years of payments: $1,000 × 60 months = $60,000 paid So someone could pay $60,000 and still own a car worth perhaps $20,000. By the end of the 90-month loan, the car will likely be worth around: $8,000 – $15,000 depending on mileage and battery health. Yet the buyer would have paid $94,000 total. Tesla battery warranties and replacement costs Another important factor with electric vehicles is the battery system, which is the most expensive component of the car. Tesla provides battery warranties, but they are limited by both time and mileage. Typical Tesla battery warranties: Tesla Model 3 Standard Range: 8 years or 100,000 miles Tesla Model 3 Long Range / Model Y: 8 years or 120,000 miles Tesla also guarantees that the battery will retain at least 70% of its original capacity during that warranty period. The key issue is the loan length vs the warranty length. This loan runs 90 months (7.5 years), which means the buyer will still be paying the loan when the battery warranty is about to expire or already expired depending on mileage. If the battery fails outside warranty, replacement costs can be substantial. Typical Tesla battery replacement estimates: Model 3 battery replacement: roughly $12,000 – $16,000 Model Y battery replacement: roughly $13,000 – $18,000 In other words, the buyer could reach a situation where: They still owe thousands on the loan The car has depreciated heavily And a battery replacement could cost five figures That combination is why long high-interest loans on electric vehicles can be particularly risky. Why dealerships structure deals this way These deals target buyers who focus only on whether the monthly payment is possible, not the total cost of ownership. Sales pitches often emphasize: “You’re approved” “Low down payment” “Drive away today” But the real numbers are hidden in the length of the loan and the interest rate. The financially healthier approach If someone has limited credit or weaker credit, the goal should be to use a car loan to build credit, not trap themselves in massive interest payments. Better strategies include: 1. Buy a cheaper car first. A reliable vehicle in the $8,000–$15,000 range can still provide dependable transportation. 2. Keep the loan short. Ideally 36–60 months. 3. Build credit with that loan. Making consistent payments for two to three years significantly improves credit scores. 4. Upgrade later under better terms. Once credit improves, the buyer can qualify for lower interest rates and better financing. The key principle is simple. A car should be transportation, not a seven-year financial burden that costs more than a house down payment.

A woman is celebrating buying a new car: $4,000 down, $1,000 per month at 15% interest for 90 months 👀🎉🚙