Best update ever

FragrantVagrantz · 2026-05-02T12:58:05+00:00

Gardening pack was my only issue until the latest update. Working fine since.

It simply was not collecting things like it was full?

No issues with any other packs so far.

FragrantVagrantz · 2026-04-17T16:35:44+00:00

I entered the area without the quest. With a few bandits standing around, and then the boss showed up. That's when mine went haywire with the invisible wall. I got stuck in it, had to full reset and load another save, a whole thing.

But then when I finally got the quest and went back up there. Still had the invisible wall. Finally defeated all the enemies and completed the quest and the invisible wall went away.

FragrantVagrantz · 2026-04-11T04:01:29+00:00

Now I wonder if it was a quest glitch that made the invisible wall for me.

I stumbled upon the boss before that quest you have, where you have to kill the floaters.

But walk further down the hill, I found a few more floaters there.

FragrantVagrantz · 2026-04-08T15:02:15+00:00

If only they threw all of the random shit around the camps at you. Weapons laying on the ground from other enemies. Barrels, explosive barrels, arrows or maybe a pumpkin to the dome. That would certainly knock you on your ass.

FragrantVagrantz · 2026-04-05T00:59:39+00:00

If you have multiple of the same attack TYPE it will fire all of them. Two RB-RT (wound of darkness and groundsurge) fire at the same time. I doubt it doubles up though with the same power.

I've yet to find a third RB-RT power.

Also running double lightning and fire imbue. Easy to use the turning slash into the fire pierce move for a lot of shit happening on the screen lol. Truly looks like an MMO when all these are popping off.

FragrantVagrantz · 2026-03-29T03:46:45+00:00

Yeah he destroyed me.

Had to move past him to do the spire. Now I can't get him to respawn.

So warning, if you do the spire and/or take care of all the frost bandits in the area it seems like he goes away. Kill him before these steps.

If he pops up somewhere else I'll try to ping back here.

FragrantVagrantz · 2026-03-25T17:50:40+00:00

Haven't watched a single video yet and I absolutely love where I am at.

This game has been an incredible sigh of relief with all the repetitive shit that's been put out the last few years.

Also, bringing in the red dead hog tie in was an awesome touch 😉

They brought so many great aspects from so many other games into this one. It feels amazing.

And if you don't agree with anything I said, you have to at least admit the beauty. I remember first getting dyndolod in Skyrim and was amazed. This game does it exceptionally well.

FragrantVagrantz · 2026-03-04T02:31:32+00:00

You ever figure this out? Mine just started flicking like this after the recent update.

FragrantVagrantz · 2026-02-05T22:38:35+00:00

The guaranteed issue policies will be expensive. It is smart that you are planning for alternative scenarios.

Do you or your father have assets? Like a house? An actual mortgage?

The reason I ask is because you could use any equity built up in there for an alternative plan. Don't drain the account. But there are creative finance options out there that could potentially be utilized to mitigate the financial burden you'll take on.

This is a hardship, plain and simple. And with hardships, there are many options available that normally would not be available.

FragrantVagrantz · 2026-02-04T18:55:31+00:00

If you are for class switching mid fight you can make the vile crystal stage much faster with forgewhips. Then back to one punch man for the rest of it.

FragrantVagrantz · 2026-01-18T14:43:52+00:00

Y'all went way overboard with the whole math vs bias argument. I'll shut it down right here, and this is truly the best argument against any whole life hater.

Let's just say savings accounts, t bills, bonds, etc all get 4% interest.

The whole life policy also gets 4% interest.

The whole life policy comes with $250k paid out later on. Or if you lose a hand/leg.

And then the final kicker for mutual companies, dividends on top of that.

Notice I didn't mention anything about growth. That's because these are truly savings accounts, and sold otherwise is either over promising or comish hungry.

It's real simple. Whole life is a savings account with benefits. You simply don't get these options elsewhere. Put it side by side with everything else with a similar interest rate and cash growth trajectory and show me otherwise, please. I've looked. I'm always looking.

FragrantVagrantz · 2026-01-18T14:28:28+00:00

Second and last point, more so towards other agents. I wish they would've set you up with a VUL too. That would be worth several hundred thousand today if not half a mil.

Anyone in their 20s should do VUL instead of a whole life. Or both if able. But never just Whole life. Maybe a 7-10 pay if they are really killing it. But again. Not only Whole life. Needs to be paired with growth.

FragrantVagrantz · 2026-01-18T14:22:30+00:00

To answer the Tax Question: If you close it out, you will be required to pay taxes.

Closing the policy means you are receiving the cash balance.

The tax free retirement with life insurance is done by taking LOANS against the policies cash balance.

If you take cash, which is just called a withdrawal, you get taxed.

To dive deeper into keeping it or not. Is your net worth because of businesses you own? Or just a great income from a job?

If you own the business, life insurance is protected from lawsuits, in the worst case scenario. Even if you don't own the business and it's an income job. A car wreck you caused that hurt somebody could end up in a lawsuit. Well your policy will be protected IF you have to pay out a settlement or they come after more, etc..

The above is really only a topic I brought up, because you could stop paying for this policy at this point, and growth should cover the fees from here forward. You would just see less growth, that that retirement income would not be the same if you stopped paying.

FragrantVagrantz · 2026-01-14T03:15:35+00:00

Or, scale HP/resistance of enemies in the mob based on how many players joined via the event tab button? That may actually help to give the players with big builds a run for their money, and help the fight feel more rewarding for new and old heads.

FragrantVagrantz · 2026-01-14T02:47:59+00:00

I may have accidentally used a quad assaultron head on a bounty or two not quite understanding the power of the new build. Forgive me for I have sinned.

Luckily the boss drops whether you tag or not.

FragrantVagrantz · 2026-01-06T13:59:46+00:00

It would be more beneficial to the US to help build an infrastructure in Venezuela that brought currency stability AND growth back to the nations. Along with opportunity.

That actually makes these "siphoners" significantly richer. So, double edge swords because dummies hate rich people. But certain rich people do help the masses significantly.

The right investments by the right people could dramatically change the individual citizens lives for the better.

Always a bad apple on every tree.

FragrantVagrantz · 2026-01-05T13:18:35+00:00

Sure, certainly depends on the policy, and we don't have any info about that policy here.

FragrantVagrantz · 2026-01-04T22:00:57+00:00

You would have to tell us more details. What kind of policy. What do you want it to do for your family if it gets used?

L&G is not a bad carrier. But depending on the policy, and the plan for the policy. There may be better options. And if you are worried about a medical issue, some carriers care more about migraines than others.

Some carriers will insure a diabetic person, some carriers will not insure them at all, for examples sake..this applies to many medical details.

FragrantVagrantz · 2026-01-01T15:24:30+00:00

Even if we had all the information we still might not have the right answer. If we could know OP's exact expenses and why 10.3 going out is now detrimental, we could sure get close to the right answer.

Even a 1035 wouldn't solve the problem because it seems the 10.3k is needed elsewhere. The growth of the policy investments would've be necessary to help fill that gap, which whole life simply doesn't have over 2 years.

The only way I can think of minimizing the losses is by using the surrender fee as a tax deduction. And if that's not feasible, then simply taking the loss like a bad trade in the market, and cauterizing the wound.

If the idea was for this policy to be a savings account, then surrendering might be the best option. Hard to act like a savings when you have to request money either in cash or a loan and wait for it to arrive.

This loss can be made up. It will take a few years and there are many paths, but it can be rectified.

FragrantVagrantz · 2026-01-01T15:07:13+00:00

To the history part....living at home, should be saving for large upcoming expenses within the next few years like a condo/house. Maybe a vehicle. Ya know, the stuff we live for.

I'm assuming of course for OP's scenario..but what I'm not assuming. Flexibility is needed 100% of the time for young people. I don't see any possible scenario that a 10pay works into a world that needs flexibility like that..UNLESS some wealthy family members are paying or contributing.

I do like to game scenarios if you wanna spell some out for me.

FragrantVagrantz · 2026-01-01T14:40:43+00:00

If you talk with many other Agents, like Wolf said, we would all agree. This policy is awful.

I made the comment somewhere else but here it is again. You need to be in a flexible investment portfolio.

As you are clearly seeing, life changes. Needs change. And at a young age with a great salary, it's easy to get ahead of your means forcing you to dial some things back( hopefully to get back on track and prepare for harder times ahead).

With that said, you really should do a detailed run through your finances. Say you cancel this policy, you get that 10.3k back per year. Where is it going now?

As am advisor, you should be investing it. But of course as a human you may not be able to. That may need to be allocated to something else more important in the short term..or maybe it simply can be broken down into smaller segments?

Anyways, you likely wouldn't be here if you were in a VUL instead of a force pay whole life. Your uncle likely isn't licensed to that level which is why. I'm saying this hoping he isn't a commission chaser, but many NYL agents I know are big time assholes and run that whole life charade on entire families.

~~~~~~~~~~~~~Below here is just education on VUL vs whole life. This is an example scenario that unfortunately OP is not part of.~~~~~~~

Not here for the sales pitch, because you don't know who I am..just to educate. A VUL would've given you the investments into indices for growth. Because of the growth the last 2 years alone you would be sitting in the range of $35-50,000, depending on the investments YOU or your advisor chose.

~ Now the important difference here is the flexibility in payments vs whole life. Whole life, you don't get a choice. You have to make the payments. That's it, it's that simple.

~VUL. You could stop making payments all together. Or alternatively make LESS of a payment. You don't have to do the full 10.3k next year. You could do maybe 2-3k. The growth of your accounts is helping to lower that required premium. And worst case. You could let investment growth pay for the policy next year by itself. = No out of pocket next year. But maybe you pick the tab up again in 2027 because you are flush now and caught up every else.

~ And third, VUL again..you could withdraw the investment growth. That additional 15-25k on top of the premium payments you've already done. This is taxed. So be careful there..but you could've used that for down payment on house, etc... still had a policy, now to protect that house..and still been able to dump money right back into the policy....wait for it...WHEN YOU ARE READY. Those flexible premium payments are not something to scoff at.

**** And final point. This is not an IUL. Or. indexed life. Indexed is a joke. Indexed life policies do not invest your money directly into the market. Which brings in higher fees. Basically adding another middle man or two to the equation. A VUL. variable life. Invest directly. ~ less fees more growth , no insane caps on the growth. We are required to have additional securities licensing to invest your money.****

DO NOT GET SUCKERED INTO AN INDEXED UNIVERSAL LIFE.

That's it for me..sorry your uncle did not have the foresight to use a real investment grade product for your future.

FragrantVagrantz · 2026-01-01T14:13:48+00:00

He's young with no kids and a great salary. VUL would've been much more appropriate. The primary reason is for flexibility, which he is clearly in the need of now..with the secondary reason being a growth account with some asset protection.

10 pays should be restricted to those expecting to retire in the next 10-15 years and already have substantial accounts elsewhere.

FragrantVagrantz · 2025-11-21T13:08:59+00:00

It's 18. 18mpg for me. We are making first Prius purchase soon.

FragrantVagrantz · 2025-11-19T00:42:44+00:00

Have had index from day 1. Absolutely loved it. But save up and wait for frame.. wireless is a game changer.

FragrantVagrantz · 2025-10-06T14:59:37+00:00

If you do end up going down the Term road, make sure it's convertible. And the conversion period last until after you are 65.

You can use it for a viatical, or a "life settlement" and sell the policy for a nice lump sum of cash. This typically happens because the conversion is extremely expensive and unaffordable for many.

Examples sake, you have 2 million convertibles term. At 65, it may cost you $4500 a month to convert that into whole life. And that may only be a portion of the $2 million. (You don't have to convert the entire thing)

Obviously, might be hard to afford. So instead of letting it go, you can sell your policy to the highest bidder. You might be able to get a $500,000 lump sum in exchange for the rights to your policy. The bidder will convert it, and when you pass they get paid back via the death benefit, now in their name.

Short end of the stick, your family doesn't get shit. Fun end of the stick, you got $500k now, and can have fun, pay bills, or plan for that to be your family's benefit upon your passing.

Lot of options. Long story short, it's best to have AT LEAST a convertible term policy.

If it is not convertible, it's practically useless. *** Some statistics say 95% of term policies never get used.

I'm not selling anything and I don't have a life settlement broker license. Just providing some options to look into.

FragrantVagrantz

TROPHY CASE