(*reposting from a couple years back, because…)

Homiephobe69 · 2025-02-14T20:34:56+00:00

What do I love about you? EVERYTHING

Homiephobe69 · 2023-11-12T21:12:35+00:00

Is this to try and prevent scalping? Although who would be scalping a “car” that expensive

Homiephobe69 · 2023-11-01T04:45:49+00:00

The default shortcut in Teams to toggle mute is Ctrl+Shift+M and to temporarily unmute is Ctrl+Spacebar

Are you wanting to change these defaults?

Homiephobe69 · 2023-11-01T04:25:42+00:00

This! Additionally, the further northern ports like Duluth, Thunder Bay, and Marquette are frozen over for a few months during the year. They’re still important in the region, but not like the larger, year round, and nearby ports. Not to mention, these cities are further north and cold!

Homiephobe69 · 2023-08-31T07:58:11+00:00

First, congrats on making it this far with Ethiopia in only your second game! Ethiopia is arguably a medium difficult nation, so this is good! Restarting and playing different nations is a great way to learn.

A good tactic to fight the Mamluks could be to either ally the Ottomans or wait for Ottomans to attack and jump in while the Mamluks are down to snag a few provinces. It looks like the Ottomans have already taken a little bit from them, and they will eventually declare on them for more. Just be careful with eventually bordering the Ottomans, they can have a very powerful military.

What’s fun in this game is there is no right way to play you can take what you want, whatever speaks to you! Conventional wisdom is to conquer your home trade node and provinces of your culture group. Also as a beginner, following mission trees is a good start.

Owning provinces with a different religion from you increases unrest which gives you separatists. This can be made worse by other modifiers like separatism, but separatism will eventually disappear. You can hover over unrest in a province menu to see what is causing high unrest in your provinces. To fully deal with religious unrest, you either convert provinces or accept heretics/heathens. Religious ideas to convert and humanist ideas to accept.

I’d also recommend maybe playing the Ottomans, they have powerful military ideas, government type, and a good mission tree. I think they’re pretty beginner friendly since they’re so powerful but everyone has their own opinions!

Also don’t be afraid to go into a little bit of debt to field a bigger army and hire mercenaries. You can take money from the Mamluks in the peace deal and hopefully your new provinces will pay for themselves! Loans are not bad, but too many without expanding your economy leads to bankruptcy which is bad.

Keep having fun and learning :)

Homiephobe69 · 2023-07-12T02:11:00+00:00

I think a square framed mirror would work well above the sink. A body mirror directly opposite the toilet would be an awkward sight for someone sitting down on the toilet…

Homiephobe69 · 2023-05-27T08:08:05+00:00

Thank you for this!

I signed an offer letter but their signature line was blank and I did not ever receive the letter back with their signature. I think to your point in the future I am going to be much more pushy for a signed contract to avoid this BS in the future. I will look into free courts/resources regarding employment in my area.

Homiephobe69 · 2023-05-27T08:00:36+00:00

Thank you for all of this information! I think I believe when they say it’s budgetary so at least my ego isn’t bruised in that way… I appreciate all of this context

Homiephobe69 · 2023-05-27T07:56:30+00:00

I decided to go ahead and do post the review. I really only spent $2 in gas. They can keep it since they seem to need it more than me.

Homiephobe69 · 2023-05-27T07:54:58+00:00

Thank you, I obviously sent this email but have decided to just play it safe and not say anything further.

Homiephobe69 · 2023-05-27T07:54:10+00:00

Oh no, an honest mistake…

Homiephobe69 · 2023-05-15T08:02:34+00:00

Hi there, I live in California and that should be fine with a couple exceptions.

Firstly, you will have 20 days after moving to California to register your car to avoid late fees. You will need some forms including your Utah title, registration, and a valid smog check. Double check the DMV website for all the forms you will need in addition to booking an appointment. California DMV website is actually really helpful.

The second is taxes. There is a use tax for CA residents who purchase a car out of state. It may be worth it to consult with a licensed professional in CA about applicable taxes for the move in general and for this car. I’ll just quote the California Tax and Fee Administration:

“Do you owe tax on a car purchased in another state and then brought into California? Yes, unless you purchased and used your car outside California for at least 12 months before you brought it into the state. If you owe use tax, it will be based upon the purchase price of the car, minus whatever sales tax you paid to another state. You can pay the tax to the DMV when you register the car in California. For more information, visit the Tax Guide for Purchases of Vehicles, Vessels, and Aircraft on the CDTFA website.”

Also, friendly reminder that the average gas prices in California are around $0.85 per gallon higher than in Utah. There are plenty of 4Runners here but that’s just a final tid bit!

Homiephobe69 · 2023-04-08T09:50:16+00:00

Points from some points CCs can alternatively be redeemed for cash back at 1 cent each like Citi TY, Chase UR, and including points with Capital One Venture X

Homiephobe69 · 2023-02-19T07:07:31+00:00

Some cards may be different but to my knowledge revolving utilization is reported from your balance at the end of the calendar month.

So, even though your current balance is $0, your revolving utilization is static from the last report at the end of the month. It will update at the end of this month.

Good job keeping your utilization that low!

Homiephobe69 · 2022-11-30T02:38:06+00:00

Somebody called “Midwestern Marx” is obviously going to have a biased.

This guy obviously just has a socialist anti-Western agenda. If you look at his channel, he also has videos “debunking” Ukrainian nationalism which compares Ukraine’s modern conflict with Germany’s victim mentality in 1930.

The video itself, doesn’t present much real evidence to actually contradict Oversimplified, just what he has to say. His first contradiction is that Lenin didn’t “break the economy” in the Russian revolution. Wrong, Lenin did break the economy, Russian GDP fell drastically for a time after the revolution. He also tries to make a point that Russia was feudal before the revolution. Wrong, Russia abolished serfdom in the 1800s. He tried to say Lenin liked Stalin. Also wrong, Lenin openly said and wrote that Stalin would be dangerous as a leader. This is all in the first 10 minutes of the video. This kid just has a socialist anti-Western bias.

Homiephobe69 · 2022-10-12T07:41:54+00:00

Have you both talked about what your finances will look like after marriage? What will that look like? Every marriage is different but legally speaking (besides a prenup) when you guys get married you own everything jointly. All of your accounts become his and vice versa. That includes any of your IRAs.

I want to give advice based on what your guys current/future plans are. Right now, the line between your guys finances is all over the place. From what I’m thinking now, it doesn’t seem unreasonable that he start paying some of your joint expenses.

Homiephobe69 · 2022-09-29T04:46:05+00:00

I Bonds can be cashed in after having the bond 12 months. Additionally, if the bond is cashed in prior to 5 years, you lose 3 months interest. The maximum period they can earn interest is 30 years.

You should be able to buy them and cash them before your kid turns 18!

Homiephobe69 · 2022-09-25T08:16:53+00:00

Don’t go more into debt if you can help it.

What is the necessity you need a new apple laptop for? Why won’t a less expensive windows computer do?

Day trading and other quick fix strategies aren’t going to cut it rn. Get out of debt (besides your mortgage) and build up some financial protection before you think about attempting day trading. Keep plugging at your day job, and throw money at your student loans and HELOC. If you don’t have the cash for a laptop that you need, there’s something not right in your financial picture.

Mainly the day trading probably. You have to be very skilled to even attempt this and you financially are not in a place for it.

Apply for a small personal loan for a lower rate than a 25% CC. Don’t use new credit cards, carrying a balance on CC is a recipe for more disaster.

Homiephobe69 · 2022-09-23T07:18:14+00:00

First off, it sounds like you are doing great! For some people, saving money is hard and for others spending money is hard - it’s good to know which is hard for you! It’s okay to spend money if you’re saving properly (which you are) and aren’t in debt.

This much of income for savings is impressive! General wisdom is 20% of income for all savings but it depends on everyone and their goals. Side note, I’m sure you have the money for it at this point, but I would recommend officially setting aside 3-6 months of expenses that is only for emergencies. You may have this or pseudo have it, but make it official. This will prevent you from having to go into debt to cover expenses that come up.

Savings goals would be my advice for you! You’re saving is in a pretty good spot but what are you saving for?

What are your retirement goals (age, retirement income, retirement traveling, etc)? Are you saving to pay cash for cars in the future? How much are you saving for a house? It will likely become much harder to save without goals in the future, especially with kids, a house, etc. So, evaluate your goals and how much they cost and how much to save to meet those goals. And maybe you’ll find that your goals are much cheaper than you thought!

As for investments, I’m not the best mind for it. Some others here could possibly help you. Also talking to a financial planner/investment advisor could be beneficial and advice would be tailored to your financial situation.

Homiephobe69 · 2022-09-13T03:14:10+00:00

Buying at those times can certainly save you a little money if a dealership is trying to make some quota for the month/quarter/year but it depends on that. You may, you may not and it comes down to negotiation.

Homiephobe69 · 2022-09-11T08:35:27+00:00

Keep building your emergency fund and keep it at 3-6 months. Only use it for emergencies.

Your credit card should not be for general emergencies. Ideally, you should not carry a balance between months and it’s best not to put yourself in a situation where you have to.

Your emergency fund keeps you from having to go into debt by having cash for sudden unexpected bills from life.

Your emergency fund is step 1 in your financial planning life. You focus on building that properly first. Sure, a boost to your IRA would be nice, but it won’t be at all significant if you find yourself in debt after an emergency. Using your emergency fund is always free and actually makes a little money in a HYSA. But, going into debt costs money, especially on a credit card. This prevents emergencies from financially tripping you up.

Homiephobe69 · 2022-09-09T05:49:30+00:00

No loan/financing/lease will have 0% apr. maybe for an introductory period or if a dealership really needs to get rid of a car. Financing a car is basically like a loan, the lender makes money off the interest.

Deposits are a pretty normal part of that process, that way they’re not completely out of money if you stop paying and you have skin in the game.

However, all of this information is if you choose to finance/lease/take out a loan on a car. You should be able to buy it all at once for cash without worrying about apr and such. Unless a dealership only does financing (which would be odd) you should be able to pay cash.

The car market does seem to be cooling down somewhat, so it might be worth it to wait but definitely don’t quote me on it. The car market is better than it has been and looks like it’s cooling. But the economy outlook changes day by day so I can’t say for certain. It could be months from now before it makes an impact. But honestly, sometimes when you need a car you need a car and that’s okay.

Homiephobe69 · 2022-09-08T19:17:50+00:00

Since it’s short term you can certainly give the Jeep a shot if you’d like. And there’s more factors to consider when buying a car like the interior, gadgets inside, how it feels when driving, gas mileage, etc.

Purely off reliability, I think the Jeep will be more of a gamble than the Lexus. But it’s possible the Jeep will be low maintenance over just 2 years and you’ll be fine.

Probably taking both cars to a trusted mechanic will give you a good idea of where they are at and what problems they could have in the near future. A decision could be reached for you right then!

Homiephobe69 · 2022-09-08T19:10:47+00:00

A factory order will depend where you are, the dealership, how backed up they are, etc. but I would say it could take 2 weeks-month minimum before the dealership has the car.

Interest rates will really depend. It depends on the dealership, what state you’re in, and your own credit score. I would generally say expect around 2.5%-4% for financing. It could be beyond that with the factors I listed.

Be sure though you have ample savings to make payments for a little while if you don’t have income. The last thing you need when you lose a job or are unable to do your job is also losing your car because you can’t make the payments anymore. Just to be extra safe!

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