cm0002 @ cm0002 @lemmy.world

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That's not who BNPL targets.

My comment has nothing to do with who they target, just how you can properly take advantage of said service.

There is, though. Spending the $500 you have in savings is an even exchange. Money for goods/services.

Spending money you don't have through BNPL means you're exchanging a 'promise to pay' or an IOU for goods and services. What happens if you don't pay on time? How much more than the actual purchase price will it cost?

You need to re-read my comment again, I covered that already

As far as what happens if you don't pay, well, the exact same thing that happens when you don't make payments on any other type of credit

Except it's better than other predatory practices such as "Title Loans" because it's unsecured. So worst case scenario, your credit gets dinged for a while and you got to deal with debt collectors. That's a far cry from having your car repossessed or foreclosed on your home

Again, nuance, you can take out debt for money "you don't have" as long as you can comfortably afford it

My 500 in savings was an example, but if you didn't have that saved up, there's nothing wrong with putting it on BNPL because again, there's typically no interest.

Functionally, there's not a whole lot of difference between splitting it into 4 125$ payments on your paychecks, or stashing 125$ from each paycheck to savings.

Biggest difference is committal, one way you are committed to paying that 125, the other you can skip if you need to (though there are BNPL services that do allow you to "skip" (read: defer) a payment without penalty) But again that goes back to an individuals financial literacy, planning, impulse control and security that you'll have your job the whole time

BNPL splits the transaction evenly every other week or in some cases, every month. There's typically no interest or even fees in some cases (Zip)

BNPL can be good, it can also be as bad as any other debt can be.

Because they're typically interest free, it's essentially "free" money. For example, let's say you have a big purchase you want to make of $500, you can afford this purchase out right because you saved money for it. But you can also afford to have 4 payments of 125$ every 2 weeks direct from your paycheck.

It's better to take the split, and keep that 500 in savings for numerous reasons from generating interest to keeping it for rainy days.

Now ofc there's caveats, like everything there's nuance. Like every other type of credit, whether it's complimentary to your finances or devastating to it depends on your impulse control, financial literacy, planning and reasons for using that credit.

I did crosspost it, I crossposted it from a .ml comm as part of ongoing boycotting efforts (Recap here) see here:

But, you should take it up with the .ml'er who cross posted it from you, because this is where I crossposted it from:

listen here you little shit

I did try loading a driver for a commonish chip, ST7789v, and operate under the assumption that it was SPI, but so far nothing but a white screen. I did try cycling through all the pins past pin 7 hoping one of them was the one for MOSI (Driving with a RPi 0)

A lot of those "Close but not quite" SPI displays seemed to share pins like Reset was commonly pin 4 and CS was 5.

I did trace that pin 1 is def BL led + and pin 2 is ground and I'm guessing pin 3 was 3.3v

But so far, nothing but white screen

I tried to peer through the FPC with a bright light looking for a chip, but couldn't find any. Fairly certain it's on that little strip of green PCB but it might be covered by that black goo. The only thing I was able to make out was in that pic with the "T24QV1-S"

I know parallel comes in 8 and 16 bit flavors, so I think there's enough pins for 8 and I could have sworn I saw 24 pin 16 bits listed, but maybe not

Well if you're going to call someone a POS that isn't already universally recognized as such, it would help if a reference link was posted along with the comment

I'm pretty hopeful, this display is from one of those ultra cheaply made "XXX-in-1" NES on a chip handheld consoles. So chances are there's very little customized and they just grabbed cheap mass produced displays driven by common controllers like ST7789

Imo, I think this'll piss people off way more than the price of eggs ever did LMAO

Does the grass not grow under the sun any more?

Didn't you hear? Drump slapped a 1,190% tariff on sunlight

peggysfeet[dot]com

(Removed dot because it goes to a scam site)

Still not enough for me lol

If they actually did their job, but they don't, so no lol

REISUB

My course of action is based on the collected evidence and observations of the admins of .ml and their behavior coupled with their influential status requiring they be held to a higher standard.

I have crossposted an image that was publicly posted for all to another relevant comm within the Lemmy-verse and when it's determined to be OC, crossposted with proper attribution

Is it really "pollution" though if their anti-bot system worked exactly as intended and restored the leaderboard to its previous state within mere seconds?

Considering recent events the last few months, being a Nazi apparently

As if, we still have to, at a minimum, get a failing companies stock to go meme stock astronomical lol

Well maybe if someone paid those MTX's you would get that sense of PRIDE and ACCOMPLISHMENT 😤😤

I just came across this today, but luckily I still have time to get our youngest on it before they get corrupted by other games LMAO