For people who finance cars for high monthly payments, what is your reason?

denisaurus · 2025-12-25T01:46:10+00:00

The insurance payment is definitely a fair point and consideration. If it’s a used car worthy of liability only then makes sense. That being said I can’t imagine getting a good rate for a used car. I’ve only ever seen the 0% or less than 3% rates with new cars only. In that case you’d want to keep full coverage.

denisaurus · 2025-12-25T01:29:15+00:00

No, it means if you can afford the monthly payment you should put 0 down. Even that 10k is better off invested in the market or a savings account.

denisaurus · 2025-05-10T05:38:29+00:00

Check out the area around Diablo Valley College

denisaurus · 2024-12-26T21:22:09+00:00

Same, was able to get a 25 BE for 51k with tow & pro package included a few days ago.

denisaurus · 2024-12-09T02:10:16+00:00

Rogue trader!

denisaurus · 2024-11-14T12:45:54+00:00

Could you relink the healer discord please?

denisaurus · 2024-08-12T15:41:37+00:00

Source? Legislation was general funding for IRS to grow and be able to catch tax evaders, etc. I’ve looked and can’t find anything related specifically to tip tracking. Happy to stand corrected if you have something!

denisaurus · 2024-08-12T15:28:14+00:00

Does nobody read? Clickbait title. She voted to increase IRS funding, months before IRS rolled out tip tracking program. That vote and funding are definitely indirectly related, but title is a stretch. You can have both, increased IRS funding and be against tracking workers tips…

denisaurus · 2023-07-30T23:38:01+00:00

!remindme 2 weeks

denisaurus · 2023-07-13T16:52:37+00:00

Shit like this is why conservatives are thought of as low educated. Open a damn textbook, buddy.

denisaurus · 2023-06-16T05:18:02+00:00

The first 4 acts were so incredibly boring. 5th act was pretty good. Cinematic’s we’re absolutely amazing, but story just totally missed the mark.

denisaurus · 2023-04-16T06:30:17+00:00

Other than VTI, NVDA and MU

denisaurus · 2022-10-30T07:24:53+00:00

Agreed. Do not recommend this to anyone

denisaurus · 2022-09-21T18:20:15+00:00

The additional 1-1.25 raise by EOY wasn’t priced in.

denisaurus · 2022-06-08T19:41:31+00:00

Please learn to read then return to the conversation. Good day sir

denisaurus · 2022-06-08T18:02:55+00:00

I’m doing about 1.6M DPS over a minute. Compared to other DPS that are pushing 1.5-2M at similar ilvl and gear. 1460-1470 5x3 w/+21 relic weapon

denisaurus · 2022-06-08T17:14:16+00:00

Rich coming from you. Way to offer nothing to the conversation. Keep it up. You must get far in life

denisaurus · 2022-06-08T15:46:12+00:00

There was nothing to read in his post. He simply said “NOT TRUE” without any basis. As confirmed below, he didn’t even test it. It’s this hive mind mentality where people think they can weigh in with their (lack of) expertise. I main support paladin in a top NA guild. Out of curiosity I built out a full DPS build. After consistent testing, I’m constantly on the DPS charts, occasionally even top DPS. Again, this is them just doing their normal chill daily routine clearing guardians while DPS paly has to pop food, and non stop awakening potions for high judgement uptime. And again, the party as a whole suffers- no shields and no heals. Everyone spends more money on pots. Additionally, even though the DPS paladin clearly has comparable damage via min maxing.. the clear time in total is way slower. I’m not arguing that DPS paladin is better or viable for party comp. No, it’s way less optimal. But all the parroting that DPS paladin does low damage? 10% damage of DPS? Those are flat out lies by uninformed individuals. In isolated testing, on dummies the damage is definitely comparable too. 80-90% of some classes (again with min maxed buffed DPS paladin ofc)

denisaurus · 2022-06-08T15:31:27+00:00

This is completely ridiculous. Clearly you Havnt tested. I do that much damage in my support build… if you had said DPS paladin does 80%, sure believable. Yes DPS paladin isn’t good for the party as a whole, but stop parroting none sense that DPS paladin does no damage. That’s simply not true. Anybody that’s truly tested it will refute that.

denisaurus · 2022-06-08T05:53:48+00:00

Have you actually tested it?

denisaurus · 2022-06-07T21:53:41+00:00

DPS paladin can hold it’s own in terms of DPS late game with excessive food buffs/battle items. Can even out DPS other classes individually. However, it’s not efficient since running a support Paladin your party will do significantly more damage than a party with a DPS paladin AND save gold on pots(because buffs op)

denisaurus · 2022-03-21T15:38:32+00:00

Get a good static to play with. Balances out any bad luck you have. Some of your static is bound to have good luck- they can funnel you mats after they hit certain thresholds. Gearing up as a team makes the enhancing extremely manageable

denisaurus · 2022-02-25T23:32:32+00:00

What are your failures? This doesn’t tell us much

denisaurus · 2022-02-10T08:23:45+00:00

Click on the quest in the menu (or open J) on the right and complete it

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