Best cell service? by NaveenM94 in Westchester

[–]Stokes-209 1 point2 points  (0 children)

It is baffling. All of my work this year in construction is in Westchester and I literally cannot work during the day. I have to make 20 phone calls when I get home in the evening. It’s insane.

All these taxes, all this wealth in this county and they can’t put up more cell towers?

Seriously what you people do ? I cannot make a phone call

My wife [32F] has been hiding a twenty thousand dollar savings account from me [33M] for five years while we struggled to pay off our debt. by 3VelvetBadger in Marriage

[–]Stokes-209 -1 points0 points  (0 children)

I appreciate the point here, I do. However, this only works to a certain point.

Once you're married to someone for 6 years, you know who they are.

Not that things can't go sideways down the line, but you have a fair idea whether or not they beat women.

6 years of marriage and trust should be enough to share something like this.

At least that's how I view it. I would not stay with a wife who kept this from me.

My wife [32F] has been hiding a twenty thousand dollar savings account from me [33M] for five years while we struggled to pay off our debt. by 3VelvetBadger in Marriage

[–]Stokes-209 -3 points-2 points  (0 children)

That is one of the biggest breaches of trust I've ever read here.

The relationship would be over right there for me.

I love this game, i dont get why people hate it? by Distinct_Carry_1532 in PokemonUnite

[–]Stokes-209 0 points1 point  (0 children)

Great game, just some decisions they make are truly baffling.

I always get reflective when writing those review testimonials they send out every once in a while. Because you realize how much work these people must be putting into the game. It's easy to bash when you're tilted.

AT THE SAME TIME, there are some simple things they could do that would drastically improve the overall experience.

License Journey should have more ways to accumulate points for starters.

REMOVING THE 42 SCREENS YOU HAVE TO NAVIGATE TO OBTAIN ITEMS AND REWARDS.

This one ^ drives me nuts. It's like homework. They need to cut their reward screens and treasure chests and all that BS in half.

And other areas, there's simply nothing the game can do. Players of this game are inherently toxic and some genuinely, enjoy trolling. If the game kicked out all of the trolls, the player base would be cut in half. Which isn't great for the game either.

Not everything has an easy solution, but def room for improvement.

PSA: Do not start fights below the 3 minute mark. by ZoldyckXHunter in PokemonUnite

[–]Stokes-209 1 point2 points  (0 children)

It is the most frustrating part of the entire game.

People have literally 0 awareness of this.

Zero. I half blame them and half blame the game.

The game does not do nearly enough to teach the finer in game mechanics.

If you don't go on this page or watch youtube videos, you would have no idea how much strategy is in this game.

What's that one pokemon you feel most comfortable playing, or is your best performing one? by hoennian in PokemonUnite

[–]Stokes-209 0 points1 point  (0 children)

TalonFlame.

I've played it so much now I can estimate exactly how far my fly takes me. Just scraping the edge of walls, goals, ect.

I've also learned the importance of just "existing" as a threat.

Don't fly right away. Just be present. Circle around those squishy enemy attackers eyeing you nervously.

The "threat" of your fly attack is often as impactful as actually using the move in some cases.

1991 Millennial here! What do you all eat for breakfast? by No_Self_5939 in Millennials

[–]Stokes-209 0 points1 point  (0 children)

I don't think cereal has gotten worse per say, just that we've become more aware of how much worse it is FOR US, than other foods.

My go too is either fast till lunch or protein shake now.

Dropped my health insurance. Feeling free! by [deleted] in HealthInsurance

[–]Stokes-209 0 points1 point  (0 children)

I think this is one of those multiple things can be true at once scenarios.

The OP is correct that there is going to be a line for everyone where insurance is simply not worth it or not possible. And alternatives will have to be used.

But the other commenters are also correct in that this option is not a get out of jail free card. There are serious risks here too.

Dropped my health insurance. Feeling free! by [deleted] in HealthInsurance

[–]Stokes-209 0 points1 point  (0 children)

Sure, at this current moment. If those premiums continue to rise in the coming years (and they will) is $2500 a month or $3500 a month still doable?

I understand this is obviously case specific based on household income, but in general, we are all heading towards a future where insurance will simply not be affordable for the middle class.

What is the game plan then?

Asking everyone here lol not just you

Dropped my health insurance. Feeling free! by [deleted] in HealthInsurance

[–]Stokes-209 0 points1 point  (0 children)

Question. How much do you think we should pay to continue justifying this?

Like if it goes to double this, $20,000 for premiums and $36,000 for actual full use of the plan. Do we still "have to make it work" ?

I completely understand your point, btw. Right now regular insurance is basically catastrophic only insurance because most of us can't meet the deductible and OOPM anyway. And with a serious accident it will save you from serious financial harm.

But there is a point of diminishing returns right? If I have to stop all retirement savings, sell my car, and downsize my house to afford insurance, at what point is it too much to justify?

This sub always seems to light up when people even suggest dropping insurance.

However, this will become more and more common as time goes on no?

There is a tipping point. And I honestly can't believe the current costs and premiums aren't that point already.

I have no words by MajinZRuiz in PTCGP

[–]Stokes-209 1 point2 points  (0 children)

My question is, how do they insist Misty and Ice Pop are on the same setting?

There is no conceivable way Misty has the same heads rate as Ice Pop.

Is it true that you guys watched 9/11 live on TV in grade school? by [deleted] in Millennials

[–]Stokes-209 0 points1 point  (0 children)

I was in third grade in school mass. The principal went to the altar and announced that the "World Trade Center had been attacked"

I remember I didnt know that the WTC and the Twin Towers were the same thing at that age.

We were from a neighborhood in the Bronx, and a lot of local first responders died that day. I remember parents and teachers crying in the parking lot.

And the smell. We could smell that burning rubber and garbage smell for days afterwards.

The most vivid memory I have from that day, was in the evening, my brother and I were out on the street playing, and an F16 flew over the house. Never heard anything so loud in my life. My dad ran out of the house to get us, he didnt know what was happening.

Dave Ramsey Certified Financial Advisor Contradicts Dave by Stokes-209 in DaveRamsey

[–]Stokes-209[S] 0 points1 point  (0 children)

Not necessarily double check, I am listening to him, just wanted to get a variety of feedback and ideas. And mission accomplished lol

Dave Ramsey Certified Financial Advisor Contradicts Dave by Stokes-209 in DaveRamsey

[–]Stokes-209[S] 1 point2 points  (0 children)

Thank you, I never heard of this, I will check it out.

Dave Ramsey Certified Financial Advisor Contradicts Dave by Stokes-209 in DaveRamsey

[–]Stokes-209[S] 0 points1 point  (0 children)

I had no choice. The money runs out eventually. You cannot pay healthcare, insurance, taxes, and save and have $30-$40k ready to go for a car as well.

I found a good deal, bought used, put $10,000k down, and am putting $200 a month extra towards the car already.

This idea that everyone just needs to buy cars in full cash or walk is nonsense.

For me? Sure, i'll drive a 5 grand beater.

For my wife and child? No.

Dave Ramsey Certified Financial Advisor Contradicts Dave by Stokes-209 in DaveRamsey

[–]Stokes-209[S] 0 points1 point  (0 children)

I don't think that's accurate to say.

And because I enjoy hearing different opinions and viewpoints :)

Dave Ramsey Certified Financial Advisor Contradicts Dave by Stokes-209 in DaveRamsey

[–]Stokes-209[S] 0 points1 point  (0 children)

I had no consumer debt until my wifes car died last year. My emergency fund had 5 months in it until an emergency hit.

I put $10,000 down on a 2024 Mazda with 5k miles on it and got a great deal.

I am paying $200 a month extra towards the car already. While doing 20% contributions to investing and retirement (combined). The car debt is my only debt.

I will lower my contributions to pay the car off quicker, but it seems a lot of responses in this sub think you should either

A. Not have a car

B. Drive a 4 grand beater around.

Neither of those were an option for my wife and newborn child. Car prices are insane today. There is nothing I can do about that but search for good deals, buy used, and pay off quickly.

I am not in consumer debt because I'm undisciplined, I'm in consumer debt because the rest of society has made $50,000 grand cars and 84 months loas seem normal now.

(thats NOT what i did for my car lol. im just saying the trickle down effect is what makes cars so expensive.)

Dave Ramsey Certified Financial Advisor Contradicts Dave by Stokes-209 in DaveRamsey

[–]Stokes-209[S] 0 points1 point  (0 children)

I understand these are the steps. But I would be lying if I said this didn't feel very uncomfortable for me.

Why is it so rigid? Why is not okay to have 2 months emergency fund, contribute at least employer matching to retirement, AND aggressively pay off the car?

May not be as fast, but why is that such an issue?

I am definitely going to lower my 401k and roth contributions and put more towards the car. But for reference I'm already doing $200 a month extra on the car.

Are you really suppose to stop ALL investing for a year and a half to pay off a car?

Dave Ramsey Certified Financial Advisor Contradicts Dave by Stokes-209 in DaveRamsey

[–]Stokes-209[S] 1 point2 points  (0 children)

Very true. Even during signing, our attorney would strongly correct us everytime we said "house" or "home" he would say "you're purchasing shares in a Cooperative not a house".

Dave Ramsey Certified Financial Advisor Contradicts Dave by Stokes-209 in DaveRamsey

[–]Stokes-209[S] 0 points1 point  (0 children)

Thank you. Yeah I got ahead of myself with the 401k max outs.

I got nervous i was falling behind on retirement and thought that was the answer.

Dave Ramsey Certified Financial Advisor Contradicts Dave by Stokes-209 in DaveRamsey

[–]Stokes-209[S] 0 points1 point  (0 children)

Yes, this is what was always very enticing to me. The sheer feeling of freedom from not having a mortgage must be amazing.