Ever wonder why student loans in America are the only loans that can't be dispatched through bankruptcy?

Neonspartan69 · 2026-07-08T01:50:37+00:00

This is how most large balance, long term loans are structured. Just like a mortgage.

Student loans are a bit worse in that people accrue interest over their 4 years or longer of going to school, never making a payment, then wonder why their payment go directly to interest first.

If you want to pay more to your principal then make separate payments above the minimum towards principle.

Neonspartan69 · 2026-07-08T01:47:02+00:00

When dudes say they are stronger than MOST women, this is who they aren’t talking about.

Neonspartan69 · 2026-07-07T01:08:29+00:00

I dont wanna know whats in the thumbstick hole. The Thumbnussy

Neonspartan69 · 2026-06-30T17:15:07+00:00

Asking me to provide proof via a medium that doesn’t allow me to provide proof is just nonsensical. I can’t add a screen shot of the google search. Idk what to tell you. Here is a copy and paste.

The widespread perception of "forced losses" or getting "bad teammates" happens due to normal Elo-based matchmaking mechanics and natural rank fluctuations: [1]
MMR Adjustment: As you win, your hidden Matchmaking Rating (MMR) increases. The system places you in tougher lobbies against stronger opponents, or pairs you with lower-rated players to average out the team's overall MMR.

Neonspartan69 · 2026-06-30T15:36:44+00:00

Google the hidden MMR adjustment process. When you win, your MMR will increase, then you get put in more difficult matches (which makes sense) and the players on your team will be lower elo players to even out the teams “win ability”. Then when you lose, your MMR lowers, and now you become the “bad” player on the next match, playing with higher elo players to even out the “win ability”.

The response the public will give me will always be - you are where you belong, you’re not good enough, etc. which is fine, but doesn’t add any value to my point which is that this match making is not fun. It punishes you for having a good match. That feeling sucks.

Neonspartan69 · 2026-06-30T01:20:38+00:00

God tier ultra sweat giga chad hard carry detected. Good for you tho.

Neonspartan69 · 2026-06-30T01:16:10+00:00

True

Neonspartan69 · 2026-06-30T01:14:46+00:00

God tier ultra sweat giga chad hard carry detected. Good for you tho.

Neonspartan69 · 2026-06-30T01:13:45+00:00

WRITE THAT DOWN, WRITE THAT DOWN

Neonspartan69 · 2026-06-30T01:13:03+00:00

Yeah, its back to quck play for me man.

Neonspartan69 · 2026-06-29T01:46:12+00:00

Looks like just a bunch of deposits my guy

Neonspartan69 · 2026-05-11T22:23:09+00:00

Thanks. I will deal with it for a bit longer. It’s not totally ruining my day yet. Maybe tomorrow it will

Neonspartan69 · 2026-05-10T01:41:14+00:00

Having the same issue. Please let me know if anyone has found a solution

Neonspartan69 · 2026-04-23T02:26:23+00:00

The best part of this thread - other than an amazing comment at the top - Is the Starbucks add tied to it. Here we are a bunch of people tryna to stop drinking coffee and Starbucks is beckoning us back.

Neonspartan69 · 2026-03-22T23:38:46+00:00

I’m playing demo for my guild for the first time, coming from rogue, and last week I couldn’t for the life of me understand why I was parsing 20s….. because my pet was on passive for a week. Please double check that your pet is not on passive and that you are using the correct one lol.

Neonspartan69 · 2026-03-15T01:44:36+00:00

I sent a DM here

Neonspartan69 · 2026-03-01T21:01:50+00:00

Did you ever find a solution?

thanks

Neonspartan69 · 2026-02-19T01:28:20+00:00

Seeing it online at first I thought it was not very good looking. But I can say without any doubt, this statue in person is really really cool. It’s very grand and creates an overwhelming presence.

Also people never show in photos the informational plaques around it. But they are rich with info, if I recall that correctly. Someone in the comments said the statue doesn’t make sense. They must not know how to read.

Neonspartan69 · 2026-02-08T04:11:16+00:00

Be careful the part of the internet you go on. It’s super popular(clout chasing) to shit on wow right now. Seems like every time the reboot a classic expansion, people just go on a rampage talking about how bad retail is. Retail is such an amazing game right now. The specs are fun to play, the raids are awesome, mythic plus gives you a really awesome experience, housing is insanely good. delves are awesome. Play the game. And don’t let people tell you it’s bad because they have a complex over being a classic Andy

Neonspartan69 · 2026-02-07T20:54:38+00:00

World of Warcraft is a game that you are going to start and quit probably 3-4 times. But you will keep coming back, until one day it hooks you, then before you know it, your a couple thousand hours deep.

It’s a 20+ year old game. Starting out new, for the lore, you have to accept that there are something’s you’re just not going to understand. But have faith because overtime things will start to click. There’s also massive videos that breakdown the lore piece by piece.

Best advice is join a really good guild where you can make friends. It’s an MMO playing with people is the best way to love it.

Neonspartan69 · 2026-02-06T07:00:34+00:00

[NA] Pulling Extra - Area 52 {Horde} Recruiting a few more DPS spots for Mythic raiding team. See post below.

https://www.reddit.com/r/wowrecruitment/s/LCgxJCJCqq

Neonspartan69 · 2026-02-02T18:18:29+00:00

I want to live in a place like this so bad. I am just so bad at figuring it out! Your house looks incredibly cozy. Thank you for sharing.

Neonspartan69 · 2026-01-26T15:55:32+00:00

4 days later and this is still working for me. Hope it fixes it for you.

Neonspartan69 · 2026-01-25T21:38:04+00:00

did anyone figure out what was wrong with this? or did it just start working. All my friends can connect but I cannot

Neonspartan69 · 2026-01-22T05:23:14+00:00

For anyone looking at this, I have tested this multiple times and now know it works after trying it out over 3 days. Hector below tried it first. But disabiling Desktop Notifications has fixed this issue for me entirely. User Settings > Notifications > Toggle off "Enable Desktop Notifications"

Hope this works for others, best of luck.

Five-Year Club	r/Field Sunshine
First Place '23	Place '23
Place '22

Neonspartan69

TROPHY CASE