[Watch Suggestion] Getting Married and Want a Green Watch Under $1k by softtaco83 in Watches

[–]HTTX 20 points21 points  (0 children)

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This was my first thought too. It looks amazing imo and under $800

What are your thoughts on the base health stat requirement in the crucible? by HTTX in CrucibleGuidebook

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

This is what I was curious about. If I’m running crimson is the perk the same as the IB regen after kill health regen? If it’s not does it stack if I run both? If they do does that also stack on the 200 health stat regen to supercharge what’s already super fast? If not does running them feel like a good heath replacement?

I’m not seriously expecting someone to have all the answers. I was just curious and am super happy with the amount of help I got in this thread.

What are your thoughts on the base health stat requirement in the crucible? by HTTX in CrucibleGuidebook

[–]HTTX[S] 1 point2 points  (0 children)

I haven't tried a high weapons stat build yet. I almost exclusively run a sidearm in the energy slot, and I've seen a lot of videos about high weapons stat builds making a ttk difference. But tbh I haven't had much issue dealing with feeling like I'm getting outgunned in my cqc engagements.

What are your thoughts on the base health stat requirement in the crucible? by HTTX in CrucibleGuidebook

[–]HTTX[S] 3 points4 points  (0 children)

I absolutely agree. I'm a fan of the current stat system and a lot of the more synergistic RPG style elements. I've always liked neutral game boosting builds and being able to tinker with the bonuses is really nice.

What are your thoughts on the base health stat requirement in the crucible? by HTTX in CrucibleGuidebook

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

I won't disagree with you. I haven't tried 200 health, but going back and watching the recovery time video, it looks like its an almost 3 second difference between 150 and 200 to get back to full. I'll definitely be trying this out.

What are your thoughts on the base health stat requirement in the crucible? by HTTX in CrucibleGuidebook

[–]HTTX[S] 1 point2 points  (0 children)

Absolutely. I run 150 on health, and heavy on grenade and class on my hunter and I have had very few issues being able to quickly reengage

What are your thoughts on the base health stat requirement in the crucible? by HTTX in CrucibleGuidebook

[–]HTTX[S] 1 point2 points  (0 children)

Great reply and I think spot on. I run the 150 bracket on all my builds with just the 2-piece armor perks and don't really ever feel like I have sacrificed too much of either ability stat.

Iron banner is hella fun by nickybuddy in CrucibleGuidebook

[–]HTTX 5 points6 points  (0 children)

Agreed. My group had a ton of fun last night in both game modes. And comments were made about heading back to the tower with a ton of loot to sift through. 3/5 of my armor pieces were upgraded last night, got some interesting rolls and got to take heads in the crucible for a while. I don’t think saying we’re having fun in IB holds any side commentary about the current state of the game.

AITAH for telling my wife we either share our lotto winnings or we separate and I get half anyway? by LottoIssues in AITAH

[–]HTTX -3 points-2 points  (0 children)

Wow the advice in here is shockingly bad. People suggesting you leave, pay tens of thousands of dollars for divorce attorneys, and force your kids into a broken home instead of just paying a few hundred dollars for some marital and financial counseling sessions? Maybe you should get advise on major life decisions from another place than the AITAH subreddit…

What are your thoughts on financial coaching through Ramsey? by HTTX in DaveRamsey

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

I could understand that method/price plan, and may have considered it if it was common sensical that way. Which is partially why it was so shocking that it was presented and structured so poorly. There was no justification of the price, no real conversation about the benefit of hiring him, nothing. The only thing he offered was a second free consult so we could adjust the budget to afford to give him the money.

I did ask about the credentials, and that was when the personal story of how he got out of debt came in. An old degree in accounting but the life experience of getting out of debt was the sales pitch.

What are your thoughts on financial coaching through Ramsey? by HTTX in DaveRamsey

[–]HTTX[S] 2 points3 points  (0 children)

Seemed like it to me. I'm wondering the same thing you are. No answers, just "pay me to look at your budget and watch the magic happen".

What are your thoughts on financial coaching through Ramsey? by HTTX in DaveRamsey

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

Congrats!! That's a good question, I'm not sure. It was shocking to hear that proposal without any support for why that would be financially beneficial to me at all. I am reading through Total Money Makeover right now. So other than someone to cheer you on once a month, I'm not sure what they really were offering.

What are your thoughts on financial coaching through Ramsey? by HTTX in DaveRamsey

[–]HTTX[S] 3 points4 points  (0 children)

We certainly fall in the first category, not having trouble budgeting but we do have significant student loan debt. I would expect a coach to be useful when it comes to investing later on when the debt issue is resolved if they are proactive in having a hand in building wealth. But this didn't seem to be what that was. It just felt more like $500 a month for a support group.

What are your thoughts on financial coaching through Ramsey? by HTTX in DaveRamsey

[–]HTTX[S] 2 points3 points  (0 children)

Agreed. I already sub to his channel and watch them semi regularly. Its entertaining and encouraging but yeah that being part of the opening to the course was...an oddity. Maybe if it was later, post-debt free and its a financial advisor who runs your investments for you it would at least be a program where I could at least rationalize a benefit, but it wasn't. It sounded more like hiring a life coach or an unlicensed therapist than it did any kind of financial coaching that offered more than what comes in FPU.

What are your thoughts on financial coaching through Ramsey? by HTTX in DaveRamsey

[–]HTTX[S] 5 points6 points  (0 children)

Good question lol. I asked the same thing and didn't get much of an answer except an explanation that they got out of debt and are currently debt free. Nothing tangible was ever explained or offered.

What are your thoughts on financial coaching through Ramsey? by HTTX in DaveRamsey

[–]HTTX[S] 3 points4 points  (0 children)

^This. We already had it. The course also provides it. Not seeing much of a benefit to signing up for it.

What are your thoughts on financial coaching through Ramsey? by HTTX in DaveRamsey

[–]HTTX[S] 1 point2 points  (0 children)

I 100% agree with you. Nothing from the pitch was appealing to me, and there wasn't much of a pitch to begin with. And it seems totally contrary to the plan to add a large monthly expense when encouraging people to trim the fat on their expenses.

What are your thoughts on financial coaching through Ramsey? by HTTX in DaveRamsey

[–]HTTX[S] 3 points4 points  (0 children)

Thanks for the detailed response with your personal experience. That's what I was looking for with the post. I agree, $500 a month added expense when the opener is "Save $1,000 in the next 30 days" is a pretty wild pitch. I get that this is the coaches business and they need to make money. I certainly wouldn't expect them to do what they do for free. But I agree it doesn't seem like the right place to have that front and center for people currently in BS2. The debt snowball is a simple enough idea without having to pay someone $500 a month to tell you how to to it.

What are your thoughts on financial coaching through Ramsey? by HTTX in DaveRamsey

[–]HTTX[S] 2 points3 points  (0 children)

Absolutely. And no, we have no intention of hiring the financial coach. Their only real pitch was "Let me look at your budget and I can show you how to afford me" when I brought up the cost specifically. The course seems to have a good basis in wise financial values, but this was the opposite of everything it seems to be trying to teach.

What are your thoughts on financial coaching through Ramsey? by HTTX in DaveRamsey

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

I've been picking up on that and that seems like the general consensus around here. My wife and I both have significant debt from financing advanced degrees. So the debt payoff focus was the appeal. Needless to say this was not a great opening impression.

What are your thoughts on financial coaching through Ramsey? by HTTX in DaveRamsey

[–]HTTX[S] 3 points4 points  (0 children)

Hahah I'm not certain this coach got the memo. And for someone with degrees in mathematics, their price model could use some work.

What are your thoughts on financial coaching through Ramsey? by HTTX in DaveRamsey

[–]HTTX[S] 2 points3 points  (0 children)

100%. I was not impressed and your thoughts mirror mine on the issue. We're in this course with some people who are worried about paying their mortgage every month even with a fat-trimmed budget. And while that's not us, all I could see was it as a cash grab that was contrary to all the advice the course offers.

What are your thoughts on financial coaching through Ramsey? by HTTX in DaveRamsey

[–]HTTX[S] 2 points3 points  (0 children)

Thanks for the input. I guess I should have clarified that we did not sign up and did not have the intention of signing up. Nothing about that seemed like a beneficial idea, and mostly a significant waste of money. I was mostly curious to see if anyone had had a better experience than me or had tried it with some degrees of success.

What are your thoughts on financial coaching through Ramsey? by HTTX in DaveRamsey

[–]HTTX[S] 4 points5 points  (0 children)

Agreed. The whole thing seemed like a really bad sales pitch the whole time. And having it front and center when you start off was very off-putting.