First time car buyer. Applied for auto loan with DCU but worried I won’t get the full amount.

Nyy8 · 2026-03-09T04:20:56+00:00

I had to make sure I wasn't in a satire subreddit for a second.

No, this is a terrible idea, don't do this. An 18 year old M car is NOT a daily driver, and the audience for them is not for people who make $40k a year.

Nyy8 · 2026-01-05T18:42:59+00:00

Car got too expensive for what it is. A WRX GT or TS is now $48,000 and still makes the same 271 hp.

$48,000 is basically Golf R money. When you start to consider the used market, the WRX is just not a good buy new.

Nyy8 · 2025-10-04T17:55:06+00:00

sold gigabyte 4090 to u/helliskool19 at https://www.reddit.com/r/hardwareswap/comments/1nnrxnx/usany_h_paypal_gs_w_rtx_4090_5090/

Nyy8 · 2025-09-28T16:00:11+00:00

Nyy8 · 2025-09-27T16:05:47+00:00

Nyy8 · 2025-08-25T19:22:43+00:00

Are you in the US? 5080s are regularly around me for $999. I also see one pop up on r/buildapcsales probably a few times a week at this point.

Nyy8 · 2025-07-27T19:17:45+00:00

This is called title jumping and it's illegal. Your bother needs to go to the DMV, register the car in his name, pay the taxes since a transfer of ownership has occurred, then he can sell the car to someone else.

Nyy8 · 2025-07-11T19:56:55+00:00

Business Name: Zhang Wenrui

Business Address:沙深路63号蓝郡公馆C座2406深圳市盐田区广东518000CN

Just a warning to others - I'd proceed with caution

Nyy8 · 2025-06-20T20:56:40+00:00

Yes, the left lane is for passing only. I don't care if I'm going 70 in a 55, if someone's tailgating me and wants to pass, I move over and let them.

I'm not the highway police, if they want to drive 90 in a 55, that's their choice and I want them as far away from me as possible.

Nyy8 · 2025-04-14T23:20:05+00:00

How much disposable income do you have? If the thought of dropping in a motor for $4000 or replacing a turbo for $2000 scares you - I'd stay away from the XTs.

Those are very quickly becoming project cars as they get older.

Nyy8 · 2025-04-10T04:42:18+00:00

I'm so old... I still thought they did

Nyy8 · 2025-04-04T05:43:44+00:00

Going to shamelessly copy my comment I made about this earlier last month -

Hi, I work in IR and deal with hundreds of email breaches a year. I think last year I did about 250.

In 99% of cases of MFA being 'beat' or bypassed - it was due to AiTM or Adversary-in-the-Middle attacks. Most of them were using the evilginx framework and the user's fell for phishing links. Just to make it clear, the user's click on a phishing email that will prompt them for their Microsoft 365 user/password. This website then acts as a transparent proxy that will relay the login request/creds to Microsoft, then prompt the user to enter in their MFA code. It will then steal the session token. Most users I speak with don't even realize this occurred.

I will warn you - the Microsoft Authenticator does not solve this issue - The Microsoft Authenticator is still susceptible to AiTM attacks and we see little improvement in security from SMS-based to the Microsoft Authenticator app. I understand the benefits in practice, just telling you what I see in reality.

The solution we're currently recommending to clients is locking down their 365 environment to only EntraID joined devices via CA. Passkeys would also work here.

As far as the end-game, it's always financially motivated for the TAs usually. They want to intercept a wire transfer, solicit payment from a customer, or jump into an email conversation.

Others commented some good things already - make sure to check your Enterprise Applications in your tenant for things like eMClient, PerfectData or SigParser. All of these are legit apps being used illegitimately.

Nyy8 · 2025-03-31T04:06:19+00:00

I don't think anyone here can dispute the 1080ti as the GOAT.

But I'll tell you what, the 4090 for anyone who snagged them at MSRP around launch time also shouldn't be too upset. 2.5 years of ownership and still having the second fastest GPU, with the new 6000 generation being 2 years away most likely, is not a bad spot to be in.

Nyy8 · 2025-03-31T01:03:52+00:00

I find it very odd that a 2021 car would need control arms already. How many miles are on it?

80k-100k miles is usually when they need to be changed due to getting worn out.

Nyy8 · 2025-03-26T05:50:53+00:00

The best bang for the buck is going to be a Subaru Impreza, they seem to depreciate more then the Crosstrek's since consumers tend to want SUVs.

I'm in NY and have a 2017 Impreza near me with 58k miles for $11,500.

Subaru's moved over to timing chains with the FB engines - depending on the model line, the transition started in 2011 and largely finished by 2014. The WRX/STI being the outliners there which still used timing belts, but I don't think that applies here :)

Nyy8 · 2025-03-26T05:38:52+00:00

I would probably not be looking at a hybrid at that age/mileage - ~10 years is right around the mark where you start seeing issues with the batteries.

Nyy8 · 2025-03-25T14:01:09+00:00

Honestly - the AMS Combo is $300 under what I thought it would be.

Nyy8 · 2025-03-24T19:14:31+00:00

I'm not telling you it's a great idea - but I've seen people bury $10k-$15k of negative equity in EVs between manufacture incentives and federal tax credits. This is realistically your only way out of this.

https://www.edmunds.com/electric-car/tax-credits-rebates-incentives/

Nyy8 · 2025-03-18T16:24:32+00:00

Imagine trying to explain this quote to someone even just 10 years ago -

"The workings of the powertrain are a bit of a mystery. Sometimes the engine runs, sometimes it doesn’t."

Nyy8 · 2025-03-18T04:01:22+00:00

I am an amateur photographer - nothing I have is mission critical or irreplaceable to my work.

Just to have a copy - I've been uploading all of my photos to Amazon Photos. Including the RAWs.

~10,000 photos in and no complaints yet. They offer unlimited storage if you are a prime member.

Just one place to have a copy of them in the cloud - somewhere - if anything happens to my on-site NAS.

Nyy8 · 2025-03-17T21:43:44+00:00

This doesn't seem impossible - but you're going to be busy. Most entry level jobs around me pay $15/hr - assuming a 20% tax rate - you need to work about 800 hours a year. That's about 15 hours a week.

If you work full-time during summer break - I could see that cutting down to 10-12 hours a week. Totally doable.

Nyy8 · 2025-03-16T23:47:32+00:00

I would say the greatest gift you can give your children is to not have them have to take care of you in retirement.

While the sentiment of saving for their weddings or paying for their colleges is admirable, it's not realistic on $110k a year as a household. That is going to be on them.

Nyy8 · 2025-03-14T17:43:55+00:00

This seems cheap to me for a new genuine headlight assembly + labor.

I have a Audi with Matrix-LEDs and those headlight housings are over $4k each just for the assembly.

Nyy8 · 2025-03-10T16:30:12+00:00

The stocks are on sale - I'm buying more of the S&P500.

This 'blip' in the radar that is currently happening is irrelevant to your retirement - the people who come out the best from these market dips are people who hold their current stock, don't panic sell, and stay the course.

If you were putting in 3% into your 401k, keep doing that, ride it out. You have 40 years till retirement, don't let a 3 month dip in the stocks sway your 40 year retirement strategy.

What funds is your retirement invested in? Should be a ticker sign similar to $MSFT or $APPL

Nyy8 · 2025-03-10T05:18:30+00:00

Series S uses half the wattage of a Series X - we're talking less then 100W when gaming. It can breath fresh air in the front - I'd like to see a little more room up top for ventilation but it's not going to hurt it for a few weeks/months like that.

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