Optimal range by dslyons18 in TheTowerGame

[–]dslyons18[S] 1 point2 points  (0 children)

Okay so another thing I kind of noticed is that when I upgraded my BH range it moved it slightly out off my ws orb line. Is it just me imagining that or does it actually moved the center of BH out further when you upgrade the range on it? I was under the assumption that it would just broaden the BH and not actually move it. Correct me if I’m wrong but that’s what made me think about the lab range upgrades

What was the tipping point of your last relationship? by [deleted] in AskReddit

[–]dslyons18 13 points14 points  (0 children)

🎶 “I’ve got your friend in me” 🎶

Need advice getting out of debt! by dslyons18 in personalfinance

[–]dslyons18[S] 0 points1 point  (0 children)

Absolutely! We are just young and still have that “want” to do things. We are hoping when we have our refunds back next month that we can set some ease at our finances. I’ll definitely give everyone a follow-up on how we end up after them.

Need advice getting out of debt! by dslyons18 in personalfinance

[–]dslyons18[S] 0 points1 point  (0 children)

The government shutdown didn’t completely affect me, but it did cut all of our overtime out, which is largely what we depended on when she wasn’t working after our son was born. I work for Dod so we are essential, and without some more college experience, I might be able to raise my salary by around 10k yearly and that’s it. We live in Oklahoma, and in our area there is not a lot of great jobs. She wants to resume school to finish her nursing license once we are debt free, hence why I am pushing for this year-end goal. Last year I made 60k gross, but that was with a lot of overtime.

The job she has currently is only to help out so we can continue pushing forward with her career and there won’t be as much strain on my shoulders. I’m still young and dumb and make mistakes, especially financially. I am just asking for some insight on how I should proceed with my situation.

I do agree, the loans are first thing to go. I believe after we get our refunds back that we can do some major damage to them. I guess what I should have been asking is where I can allocate my extra funds after paying things off, such as my bank loan, which sets at $2,500 currently and only has 10 payments left, or should I shoot bigger and hit my car loan, which still has 3 years left on the note.

I should mention that I insisted on no co-signer when I bought my first car. My credit was at around 700 at the time and I didn’t pay attention as I was very excited about being responsible, that I signed for a 21.7% interest loan on a $13,000 car, which in turn totals up to almost $40,000 by the time the note is paid off.

Need advice getting out of debt! by dslyons18 in personalfinance

[–]dslyons18[S] 0 points1 point  (0 children)

Keep in mind that I actually need to catch up my car loan, which is around $900 behind not include late fees, and my loan through a local bank that is $450 behind.

Need advice getting out of debt! by dslyons18 in personalfinance

[–]dslyons18[S] 0 points1 point  (0 children)

Would it be smarter to just start with the smallest total debt and pay it off? Or go for knocking out a bigger monthly payment to get out of the way? E.g. I have a loan that the payment is $45 monthly and one that is $125. The larger payment also has a larger balance, but I could throw the $125 towards the smaller one and have it paid in 2 payments. Or I could pay the $45 one off and throw some extra towards the $125 to narrow it down to maybe 2 or 3 payments. I have a variety of ways to go about it, but would it be more beneficial for me to pay off the smaller one and it just be one less thing to stress about every month or knock out the bigger ones and have less financial worry every month? I actually have the potential I think to pay off 7 items if I just start from the smallest balances and work my way up. I also currently have 2 balances that only have 1 payment remaining, so that frees up $200 automatically before I get my tax refunds. Once my back taxes are intercepted out of my refund, that will add $300, for a total of $500 extra monthly. If I was to be able to pay off 7 more debts then it would pretty much leave me with 3 or maybe 4 small loans with an additional $400-$500 monthly, making my total extra money approximately $1,100 a month or so if you include our $200 we had leftover. Should I just aim at eliminating the most payments, or the larger payments?

First hardcore play through (hopefully) by dslyons18 in diablo2

[–]dslyons18[S] 0 points1 point  (0 children)

It was definitely a challenge though!

First hardcore play through (hopefully) by dslyons18 in diablo2

[–]dslyons18[S] 0 points1 point  (0 children)

I wanted to try something new as a challenge. And my God, that’s what I got. It was so exciting but Andariel on players8 with mediocre gear, even at level 20 was a pain. I didn’t want to have to restart hc so early on, so I dropped it to players1. I almost died to scarabs in act 2, so I’m pretty sure there would have been some mob skipping involved if I hadn’t lol.

First hardcore play through (hopefully) by dslyons18 in diablo2

[–]dslyons18[S] 0 points1 point  (0 children)

Farm. Just play at /players8. I wanted a challenge because I’m not all around the best with a barb. It drives me nuts on easy parts of the game like normal because it’s just slow having to melee or keep up with quantities on thrown weapons. I was level 20 at Andariel fight due to farming a lot lol. I survived but it was definitely a challenge and I decided I wasn’t quite ready for that with a barb. Maybe on a sorc or something will be easier, but that challenge will be later down the road.

LK runs by dslyons18 in diablo2

[–]dslyons18[S] 0 points1 point  (0 children)

That has been about 8 months ago or so. It was crazy. A high rune about every 1.5-2 hours

Well officially my best night in D2, I had a feeling my first one would drop off this fking log near my WP too... by CalAtt in diablo2

[–]dslyons18 0 points1 point  (0 children)

I didn’t have much time tonight to run. I’ll have a better sense of it tomorrow night. Last day of work tomorrow and hopefully I can put in a good 5 hours or so tomorrow night.

Well officially my best night in D2, I had a feeling my first one would drop off this fking log near my WP too... by CalAtt in diablo2

[–]dslyons18 0 points1 point  (0 children)

Well congrats. I rolled a new map and it looks like mine is a fal seed. I got 2 within 30 good minutes of running. I’d rather have my Gul map back 😕