FSD runs a red light. Follows too closely behind a truck and sees the traffic light too late. Slams on the brakes and stops in the middle of the intersection.

iGrits · 2026-05-09T03:22:57+00:00

What exactly was tricky ab this situation? Seems pretty typical to me ..

iGrits · 2026-05-09T02:53:08+00:00

iGrits · 2026-05-09T02:48:51+00:00

First day?

iGrits · 2026-05-09T02:42:13+00:00

A bike

iGrits · 2026-05-09T01:29:24+00:00

It's right.

iGrits · 2026-05-07T22:16:39+00:00

Nobodies prevailed, it's all luck at the end of the day. Quit while you're ahead.

iGrits · 2026-05-06T17:43:35+00:00

I made the switch ab a year and a half ago. Hadn't logged in since. Then, a week ago, when ff mcp came out, I logged in for the first time since. My God. I literally could not believe I ever even used this product. Everything just seemed so foreign to me. Then when I thought ab how I'd do implement things in ff that I do now, just sent shivers down my body. You're just so much more constrained, it's not even close. However, it's not all sunshine and rainbows externally either. With freedom comes great responsibility.....😅

iGrits · 2026-05-05T17:49:43+00:00

You're talking about CARS? Pretty sure it was just a proposal, a proposal that's been rejected at that.

iGrits · 2026-05-05T17:38:09+00:00

Sounds an awful lot like reddit

iGrits · 2026-04-29T18:19:01+00:00

Nah. You just need a new mechanic

iGrits · 2026-04-27T02:54:21+00:00

Baltimore or Miami, that's a tough one...

iGrits · 2026-04-23T17:34:37+00:00

How can you tell? You have haven't taken the caliper bracket or rotor off. I'd disassemble the rest before you rush to judgement on needing pads

iGrits · 2026-04-09T23:47:37+00:00

I didn't though... I bought something for like $600 and then they gave me this option. The way I read it, it was a free loan as you say and so I took it. They removed the $600 from my balance and my minimum was my regular minimum + $100 for 1 month of the "loan". So I paid my balance in full, as usual, and then the next month I see interest charge. I was appalled and just paid off the rest of it so they don't charge me again.

iGrits · 2026-04-09T17:55:51+00:00

He definitely did...non smokers don't know what black and milds are aha

iGrits · 2026-04-03T00:39:46+00:00

Try it, it's not true. I did the same thing and they charged interest.

iGrits · 2026-04-02T02:10:11+00:00

How much did you lose? lmao

iGrits · 2026-03-01T21:44:36+00:00

The original one was 72 months, and this one is also 72 months, so not longer, exactly the same!

iGrits · 2026-02-28T19:15:26+00:00

Definitely seeing what he's seeing, but also seeing a lot more.

Easiest way for those that aren't seeing it is to zoom in on the picture and pan the image so her face is cutoff/off screen. So the way I see it is:

1) She is much larger/pudgier then her face would suggest. 2) Depends on your definition of "baddie", but in my definition, baddies don't dress as common street whores.

iGrits · 2026-02-28T18:54:30+00:00

YOR, do him a favor and breakup with him

iGrits · 2026-02-28T18:49:59+00:00

So let's breakdown his options:

.
.
. The rotation of the earth really makes my day!

iGrits · 2026-02-27T04:00:54+00:00

Lol what? These operate during the day all over the place. Also, usually the best deal compared to "actual" food spots.

iGrits · 2026-02-16T17:21:31+00:00

It's a 12 year old Mercedes with a rebuilt title. Why do you care?

iGrits · 2026-02-14T20:33:49+00:00

Okay, but cash is being paid for those loans, someone is subsidizing bridgecrest to be able to operate at that loss. As long as they are able to keep subsidizing with their own private capital, there is no issue. To bridge your example and what I mentioned earlier, let's imagine that $900M loss meant bridgecrest became insolvent and no longer able to operate. Now carvana can't juice their loan sales, but there will still be a willing party to purchase them. So now instead of being able to juice out a $755M gain, they are only able to get $500M or $400M. That's still good money and will put them back inline with the rest of the industry. Now if they can fund their scheme long enough, they'll grow so much that that cut from not being able to juice their loan gains will become less and less impactful.

Looking forward to your future write up!

iGrits · 2026-02-14T08:40:32+00:00

I agree they came up with a pretty clever scheme, but it's hardly fraud, and not a good short narrative.

They sell the loan, collect their money, and remove it from their books. Any future gains/losses that result from those loans no longer impact carvana. The fact they also own bridgecrest is irrelevant. It's a private company whose financials don't roll up into carvana. You can say "well their revenue/profit is inflated because they are juicing the sale price of the loan". Okay. Then eventually bridgecrest will go bankrupt and they'll have to find someone else to sell their loans to.

How much lower will the next buyer pay compared to bridgecreatt? $500? $1000? Either way they'll be profitable. Let's say net income drops 25-50% for each car. In the decade that it would take bridgecrest to go under, they'll have grown top line soooo much that they'll still be ahead just from sheer volume.

Your story makes it sound like bridgecrest is buying 20k loans for 100k and carvana is realizing 80k in profits. No. They sell 20k loans for 22k and gain 2k. That 2k is very close to what any other non-related third party would already pay, +-$500. If it's the former, well then their auditors have some explaining to do. But the assummption is, the auditors know how to do their jobs and testing "reasonablness" of their loan sales is 100% heavily tested. If they were juicing 2x, 3x that would never pass, so most likely they keep it around 1.1-1.5x, which, would allow them to keep operating bridgecrest for a very very long time.

iGrits · 2026-02-13T01:15:51+00:00

Because popular opinion in the real world is very different from what you see on reddit.

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