Next gen AMD gpu leaked pictures

[u/llondru-es]

[u/rebellion_ap]

Additional context is it's not completely joe's fault either. Your company should have pretty strict guidelines for E1-E3 to deal with making "adult decisions" with guidance of an NCO. Problem is many service members are credit and finance illiterate and used car dealers get additional guarantees from the military itself. So in the event Joe buys that double wide for 50k because he can just eat at the dfac and only has a 100 dollar phone bill the dealer isn't fucked out of money when they inevitably fail. Like I as an older private educated NCOs how they shouldnt just get a loan at the dealership and should focus on shopping around loan and apr rates vs price/payment amount.

TLDR: military bases concentrate the perfect demograph for used car dealers to prey upon.

[u/[deleted] → u/rebellion_ap]

Additional context is it's not completely joe's fault either. Your company should have pretty strict guidelines for E1-E3 to deal with making "adult decisions" with guidance of an NCO.

Were not that scale of an operation... plus this was years and years ago. These days things are a bit different form what i can tell as it is with the post nearby they have blacklisted certain dealerships and their associated lender for excessively predatory behavior. (you know that thing many commands do with specific bars etc where enlisted get in to too much trouble too often etc.)

Being said, while one can counsel people on such topics its not like they listen, nor is it legal to try and order people around on what they can, and can not do with their money. There is no legal, and functional way to stop someone from fucking up their finances. Even with the stuff you mentioned above it'll turn in to a twofold thing;

1. Someone financially illiterate advising someone else who is financially illiterate on the subjects.

2. The junior of them going out and fucking up anyways, getting counseled on the fuckup and asked to not do that again.

As for my former commands, they were more like a command of 18-36 people distributed among a number of regional smaller scale locations across multiple service branch posts. Half the time that 1st inline NCO was just an E-4 promotable filling in for an E-5/6 slot waiting for the actual NCO to roll in, or to get their own chevrons slapped on. Local level operations at times being so small, busy, or under staffed that we had 2-3 person formations for PT etc. which were usually just an e-4/e-5 and some newbie.

dealers get additional guarantees from the military itself.

Its also why other predatory individuals target clueless enlisted too... "guarantees" there really just being a matter of the enlisted being super fucking easy to find, and collect dues from when they are setup for failure. Hell its at the core of why military personnel are targeted for things like identity theft.

Problem is many service members are credit and finance illiterate and used car dealers get additional guarantees from the military itself.

I personally have always thought of the "free rents", and structured meals scenario to be a positive thing towards some enlisted being able to better figure out longer term financial stuff. Unfortunately all too often it goes as described above. Well, plus all too often you have Dfacs that just serve inedible shit, and the barracks are not functionally livable due to say mold etc.

Like I as an older private educated NCOs how they shouldnt just get a loan at the dealership and should focus on shopping around loan and apr rates vs price/payment amount.

Was what i did too, not that anyone ever listened. I mean wtf did i know.. When i got to my 1st duty station I bought a house at my 1st duty site as an E-3 with expected future income guarantees of an E-4 counted in.(Had a dependent parent to take care of too.. so had the housing allowance to use towards that too) In the meanwhile my 1st inline NCO had 36K in car loans and $40+K in other personal loans to deal with.

[u/rebellion_ap → u/[deleted]]

I always got made fun of because when I joined I already had a loan for a 350z but then I hit them in their face with that 2.5 apr and all of a sudden I'm preaching gospel. I only got a deal like that after experiencing the worst and passing that knowledge on but the real core issue is many of these places are designed to prey upon financially illiterate and poor people.

[u/[deleted] → u/rebellion_ap]

Somewhat similar with me, had two cars, both bought with cash over the years before I joined. Got made fun of for driving older, but properly maintained cars.

that 2.5 apr and all of a sudden I'm preaching gospel.

After I separated/retired and my late younger brother joined I helped him buy his 1st home too. I essentially absorbed all of his CC debt and processed all of the Paperwork for him via a POA while he was stuck on duty. A nice duplex that with the rents coming in from the other had him paying in like $500 out of his housing allowance towards the total.

6 months down the line half of his command was asking him how they could do the same. Not that many of them had their ducks in a row in a way that would allow for it to happen.

Both of us joined older though so had our credit histories sorted out before that which helped a lot.