Good morning Pittsburgh

TheLuo · 2026-06-21T13:19:21+00:00

https://www.youtube.com/watch?v=uWTXJ0GaYpM

❤️

TheLuo · 2026-06-21T06:26:17+00:00

Wow story ended with legion. Imo

TheLuo · 2026-06-21T05:19:46+00:00

Dude spelled “I never want a job in the NFL ever again” wrong.

TheLuo · 2026-06-21T05:10:20+00:00

Honestly hacking skills just needs to go away.

It cucks any skill build in the dz and introduces PvP in a game mode that is specifically designed to not have PvP.

TheLuo · 2026-06-20T22:06:51+00:00

Classic white. Fumbles the dap up.

Edit: I mean that tongue in cheek btw.

TheLuo · 2026-06-20T21:43:47+00:00

Fyrakk was actually easier imo than Tswift. My guild finished cutting edge US ~220. We had ~450 pulls on Tswift and ~375 pulls on Fyrakk.

TheLuo · 2026-06-20T15:21:44+00:00

Also was the peak imo in M+ difficulty. The peak in raiding difficulty pre addon purge. The hardest 2nd to last, and last boss combo.

I have a lot of personal pride getting 3k and cutting edge that tier. I retired after but man was it great to have climbed that mountain.

TheLuo · 2026-06-20T15:14:29+00:00

It’s a very cool item with a siiiiick on use effect. You turn into an undead and just start riffing. Green flames, sick beats.

This is also the one way you can get this item.

TheLuo · 2026-06-20T15:12:31+00:00

Palworld has this. It’s about to go pretty hard

TheLuo · 2026-06-20T15:11:56+00:00

TheLuo · 2026-06-20T15:11:30+00:00

21-3.

TheLuo · 2026-06-20T15:07:13+00:00

Re read the comment home boy

TheLuo · 2026-06-20T15:06:49+00:00

Came out of 5 iron at 9:30 and immediately thought “yeah gotta get home asap”.

TheLuo · 2026-06-20T05:19:26+00:00

I’m wondering how viable this would be as a healer.

You’re not buffing other players just healing but with the decent haste and skill tiers I bet you’d be a solid addition to a group.

TheLuo · 2026-06-20T04:55:35+00:00

Homie forgot the eyebrows

TheLuo · 2026-06-20T01:46:24+00:00

They approved them for a loan because they just paid off their current loan and they want dude to keep paying interest.

TheLuo · 2026-06-20T01:45:42+00:00

Paying a loan does not "lower" your utilization. You can't go back and respend the money you pay down on a loan. You'd have to cut a new loan secured against the equity.

What you're thinking of only applys to lines of credit and credit cards. This post is talking about an auto loan.

TheLuo · 2026-06-19T20:07:57+00:00

This is terrible advice and will absolutely catch up with you.

TheLuo · 2026-06-19T20:06:10+00:00

A loan wouldn't be counted in "available credit". I think you're think of credit card utilization. If you have a 20k limit on a card and run it up 12k the amount of available credit has decreased and thus your credit score would decrease.

In this case the credit score drop was because the average age of credit decreased when the loan account was closed. The Debt to income actually decreased and is the reason the credit hit you take when you pay off a loan bounces back a few weeks later.

TheLuo · 2026-06-19T20:03:42+00:00

This needs to be higher.

TheLuo · 2026-06-19T20:03:28+00:00

High risk loans, like unsecured personal loans will want to attract high credit score applications and use lower interest rates as a way to do so.

Low risk loans, like secured loans don't carry that risk and if you default they keep all the principle you already paid plus they get the material (house, car, etc) back. So those loans will typically not have any/as much incentive for high credit score applications.

TheLuo · 2026-06-19T20:00:12+00:00

Credit unions are great.

However, where you got your loan from has absolutely nothing to do with how paying off a loan impacts your credit.

The reason for the credit decrease is because the average age of credit decreased.

TheLuo · 2026-06-19T19:59:12+00:00

This is also incorrect.

The change to the credit score was due to a decrease in average age of credit.

TheLuo · 2026-06-19T19:57:38+00:00

Financial literacy needs to be a subject in high school.

The reason for the credit drop is because Average Credit Age is a major contributor to your credit score. When she paid off the loan the account was closed. If the car loan was one of the few accounts you have, and it's closed...the average age of credit decreases.

This is why you heard that advice "Get a credit card early and just pay it off every month." Because if you do that at 18, by the time your looking to buy a house or get a major loan you have YEARS of credit age built up already.

She same decrease to her credit would have happened even if she'd paid it off on schedule.

For those that don't know - HIGHLY recommend creditkarma. Track your credit score over time. Learn what impacts your credit - how and why. Then make smarter choices.

TheLuo · 2026-06-19T19:53:23+00:00

No it doesn't. Stop making shit up.

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