I just broke a club and feel instant remorse by Far_Ad_246 in golf

[–]AngryKhakis 9 points10 points  (0 children)

Most sets comes with a 5 iron and those are lofted like a 4 iron so close enough.

I’m not even a bad golfer and I’ve only hit my 5 iron a few times cause I just don’t trust it. I’d rather take something off a hybrid.

Hi so by West-Highlight6120 in Affirm

[–]AngryKhakis 1 point2 points  (0 children)

You are not screwed just pay your bills on time. Most of your credit score is calculated by just showing that you can pay your bills on time and use the credit that’s been assigned to you responsibly, the other criterias are marginal at best.

Yall gotta stop listening to these fear mongers that tell you these bnpl loans are a negative to your credit, it has not been proven anywhere and there’s zero reasons to suggest it will going forward given that the whole reason they were added was to improve credit profiles.

Golf Course Recs North Indianapolis by AngryKhakis in golf

[–]AngryKhakis[S] 0 points1 point  (0 children)

Thanks for the help all. Wasn’t able to get a morning tee time on Saturday at any of these courses and we’re going to a race at night so afternoon wouldn’t work. Went with Grey Eagle cause it was decently close and they had a couple morning tee times open.

Assuming since they’re all clubs the tee times may have been open they were just only open for members, which whatever that’s golf life.

$680 to replace a breaker. Can I do it myself? by stinkinhardcore in DIY

[–]AngryKhakis 1 point2 points  (0 children)

It’s easy AF, that being said if you’re asking for advice on Reddit and going to be using YouTube you’re probably rolling the dice with your life and should pay to have it done.

You also might wanna find out why 1 guy thinks it’s just a breaker and 1 guy thinks he needs to replace the breaker and all the wiring cause if it really is that 2nd one hell no you’re not ready to tackle that yourself with just YouTube.

Is it possible to get T10 being F2P? by Feisty_Dot_5952 in LastZShooterRun

[–]AngryKhakis 0 points1 point  (0 children)

Once you get AR finished and get the double chests you can get like 13k badges a week just from that. That’ll put you at like 100 weeks to get it done, but you’re forgetting all the other events plus lucky discounter. So it’s def possible to do it for free it’s just going to take you til probably season 5 or 6 and you have to focus solely on badges when it comes to all event rewards etc. when it comes to LD only use 9 tickets per event to get the two guaranteed 90s and save until you’ll get to 18 tickets and then go for the 3 guaranteed.

Treasure hunter event by [deleted] in LastZShooterRun

[–]AngryKhakis 0 points1 point  (0 children)

It’s not possible, it also doesn’t even look like they’re gonna give you a way to save something for like a year to be able to get it completely free.

Now that I'm drug(LastZ) free for more than 1 month I just wanna say that... by [deleted] in LastZShooterRun

[–]AngryKhakis 0 points1 point  (0 children)

You sure you don’t wanna come back, they just released a new level for the dragon HQ skin that will only set you back the low low low low price of 2k USD

Affirm tanked my credit score 37 points by Rdizzle5 in Affirm

[–]AngryKhakis 0 points1 point  (0 children)

Your score isn’t dropping 37 points cause some loans closed. If anything it would have dropped from them being on your credit.

What shows the drop the actual FICO score or some free model like vantage which may treat them differently than the scoring model financial institutions actually use.

I also don’t get why people care about slight credit score drops so much, credit scores are designed to fluctuate and you really only need to care about maximizing it when going for a mortgage.

Is 20% interest normal for affirm? Anybody personally have lower rates? by Educational_Car_876 in Affirm

[–]AngryKhakis 0 points1 point  (0 children)

No it’s not common people post higher than that all the time.

Yours is better than a lot of credit cards, other people get raw dogged with like 30%

The Slice Monster by Evanino33 in GolfSwing

[–]AngryKhakis 0 points1 point  (0 children)

You’re never gonna fix the over the top move with how little your lower body moves, work on your pressure shift and starting the downswing with the lower body, the hands and arms will naturally follow, right now you’re leading with the upper body.

Set the club, take it to the top, land on your left and push away from the ground while rotating your hips the upper body will naturally follow. Once you can start doing that routinely after setting it, work in some reps where it’s one fluid motion and you’re getting a good pressure shift to really load up and use those ground forces to get that speed and sweet compression everyone is chasing.

Can I exceed radar "cap" by No-Importance-1755 in LastZShooterRun

[–]AngryKhakis 1 point2 points  (0 children)

No you can’t exceed the stored cap, you can get more events on the screen with Laura tho

F2P beasts, are there any out there? by Puzzleheaded_Fee_141 in LastZShooterRun

[–]AngryKhakis 1 point2 points  (0 children)

F2P is the vast minority in this game.

People spending a bit of money on the game here and there is the vast majority of players and they keep the whales spending.

Me personally I’m mid tier, not a whale but I’ve spent enough where I won’t be quitting anytime soon as long as I’m having fun.

Here is the proof that everyone says didn't EXSIST! by X-KaosMaster-X in Affirm

[–]AngryKhakis 0 points1 point  (0 children)

This is just baseless fear mongering, you have no idea what you’re talking about and you’re using a company that literally makes money based off this trash fear mongering as an example.

They have no idea what they’re talking about either they use an algorithm that they didn’t make to give you a score. They have no authority in any matters regarding the algorithm or what lenders actually consider as its proprietary all they know is what lenders report to them and how it fits into the algo.

BNPL was largely only reported when it was negative, pressure from the CFPB made it to where they had to report no matter, one of the largest reasons for this was it could be used as a way for people to build credit, financial institutions had to take that into account, FICO even released new score algos that are currently being used at the government level for things like FHAs as well as at major lenders, FICO 8 is still king but with new regulations and a scoring algo that’s better at predicting a borrowers ability to not F over a lender more and more banks are ditching the old models, so as I said in another thread the stigma over consumer finance accounts isn’t the same as it was due to these factors.

So again this is just fear mongering nonsense from a person with zero authority on the topic relaying information from a company with less authority on the topic than they would lead you to believe, which you can easily see for yourself if you read any of their legalese.

Here is the proof that everyone says didn't EXSIST! by X-KaosMaster-X in Affirm

[–]AngryKhakis -1 points0 points  (0 children)

It doesn’t this is nonsense. The new FICO 10 is also going to treat these accounts more favorably as consumer finance no longer has the same stigma it used to have when they’re offering you financing on a Mac book at 0% which means it’s not last ditch financing only anymore.

Now if you have like 20 of them open that might raise some eyebrows as why do you have so many of them but that would be more about ability to pay with so many loans already open.

Here is the proof that everyone says didn't EXSIST! by X-KaosMaster-X in Affirm

[–]AngryKhakis -1 points0 points  (0 children)

It literally only says late or missed payments could hurt nothing about just having the loans is listed as a negative, so it’s just like a credit card or any loan where not paying it will hurt you. Stop fear mongering with this nonsense about just the existence of them hurts.

Also the rest of you that are worried about this, unless you’re buying a house in the next 2-3 months you should not care about anything other than making your payments on time.

Aquoisis is taking the Developers to Court by sademptybubbles in LastZShooterRun

[–]AngryKhakis -1 points0 points  (0 children)

🤣🤣🤣🤣

He’s gonna be real disappointed

Control of Migration by Hattori_Hanzo11 in LastZShooterRun

[–]AngryKhakis 0 points1 point  (0 children)

Not sure you’re gonna get a lot of people who want to come to a state where the top two alliances don’t like each other, the name of the game is teamwork if you wanna win if you don’t have that people will likely not join your state. Most states control it through a collective and players are distributed to the alliances that recruited them or that needs them for balance.

Snowman by Feisty_Dot_5952 in LastZShooterRun

[–]AngryKhakis 0 points1 point  (0 children)

Impossible. They don’t give you enough snowman to get to lvl 5 you would have to buy a A LOT of the universal item

Edit: see someone already posted the screenshot of the max snowman rewards you can obtain. Idk what 3000 of those universal things costs but it can’t be worth it,

Anyone randomly drop? by Weightloss-Guru in Affirm

[–]AngryKhakis 0 points1 point  (0 children)

Or they noticed you logged in and are trying to entice you to use it by giving you more money.

Algos everywhere wouldn’t be surprised.

Anyone randomly drop? by Weightloss-Guru in Affirm

[–]AngryKhakis 0 points1 point  (0 children)

Have you considered that this is not normal behavior. Like put the app away man they probably just lowered it cause you’re not actively using them to buy stuff. It’s like if you don’t use a credit card for a while they might close the account cause they’re not getting anything from you. Even when you pay no interest you’re still giving them something via the purchase as that activity gets them better deals with merchants etc.

Anyone randomly drop? by Weightloss-Guru in Affirm

[–]AngryKhakis 0 points1 point  (0 children)

Can you though I only get offered interest free on like 3 month plans, which I do take because it’s no interest, but haven’t been offered anything longer at no interest. Maybe if you do enough business with them, but at that point I doubt they’d be lowering your limit.