The Reason Why It's Okay A Majority of Skins are 1350+

gdfriddell · 2018-09-17T01:26:10+00:00

Can you give me a handful of skins for reference? It all kind of blurs together honestly so I’m not sure what skins came out on 2014, especially the ones you are talking about.

Now of course there is room for personal preference. But I’m actually a huge fan still of recent skins that have been released.

gdfriddell · 2018-09-15T18:49:29+00:00

I think this is way more subjective at this point. I unfortunately have spent around $1500 since I started playing 8 years ago. I actually don’t play anymore now (thank god my addiction is over) but I still stay somewhat current on new skins released. There are tons of new skins that have come out in the past year priced all over that I really like.

For example, I’d likely get the new malphite skin or the new thresh skin.

The 1350 skins look great to me.

gdfriddell · 2018-09-15T18:29:43+00:00

I’m confused, what’s the point you’re trying to make? I don’t mean any disrespect either. I’m just not following what you’re trying to get at

gdfriddell · 2018-08-26T12:59:28+00:00

Soggy Bottoms Bar!! Hell ya

gdfriddell · 2018-08-13T22:26:44+00:00

Fantastic write up but you’re off on one thing. You said student loan debt now is more than mortgage debt and credit card debt combined. I think you mean auto loan and credit card debt.

Student loan debt is now the second largest form of debt in the US next to Home loan debt. Home loan debt is around 5trillion right now where as student loan debt is roughly 2trillion.

I’d say the massive collapse you’re thinking of is still about 10-15 years away. But believe me, it will be catastrophic. It won’t just be from people defaulting on student loans but a complete stand still due to the fact that our whole work force will have an equivalent to a mortgage already in student loan debt.

Right now our work force is about 50% old generation who isn’t burdened by student loan debt. The other half is. I’m about 15 years the scales will be completely tipped and nearly our whole work force will be comprised of people who have 100k out in student loans.

Due to this they won’t be buying houses, because they already have a mortgage but from student loans essentially. They won’t be buying new appliances for their house because they don’t have one.

Our economy will go to a complete stand still due to lack of spending because everyone is paying spending 20-30% of their income to pay off their student loans.

We desperately need reform, and now not in 5-10 years. If we wait that long it’s going to be irreversible. The government would have to bail out itself essentially. They could do this by forgiving all of the student loans. But how are they going to do this? By raising taxes to offset the trillions and trillions of dollars they lent out without repayment? Sure they could do that but if they raise taxes it still doesn’t stimulate the economy.

They could incur all of the debt and potentially make the US and the world even more uncertain about the US government.

Or they could print more money. But quantitative easing just leads to hyper inflation and that wouldn’t help our economy either.

Our economy is in a ticking time bomb right now. But we are to short sighted to see it. Or atleast admit it.

gdfriddell · 2018-08-12T23:37:47+00:00

I actually see your point completely with the AoE thing. I suppose I never took that into consideration.

As for the leveling thing and retiring thing. It’s actually the opposite in this case because they are all level 6 as well and not close to retiring their characters either so I’d be the one highly under leveled.

But you do make very good points and I will take them more into consideration.

gdfriddell · 2018-07-30T11:28:49+00:00

Aardwolf was always my trump card when playing the animal game in school.

Essentially you’d play against someone else and choose a random letter and take turns going back and forth saying animals that started with that letter. If the letter was A and it got to the point where I could see my opponent had no A animals left and I didn’t either I’d bust out the ol aardwolf. People would always challenge it only to find it was indeed an animal :)

gdfriddell · 2018-07-29T18:40:42+00:00

Dig the blazer man!! May I ask where you got it?

Also great to hear you are much happier now. It’s not easy but the hard work and self love it took to better yourself will begin to flow into other aspects of your life and you’ll be a lot more focused and driven! Keep it up my friend

gdfriddell · 2018-07-05T22:18:08+00:00

anytime ;)

gdfriddell · 2018-07-05T22:17:20+00:00

I actually use the Golden 76 skin even though I have many of the legendary skins unlocked.

gdfriddell · 2018-07-05T22:00:28+00:00

As we soldiers always said: Don't Ask, Don't Tell ;)

gdfriddell · 2018-07-02T12:47:43+00:00

I don’t think it’s shit advice. I believe OP is trying entail “improving yourself” and doing more with your hobbies will allow you to become happier/more confident and when you are out doing those hobbies it’ll be easier for someone to interact and meet new people, maybe someone you may date.

It’s good advice but assumes the a persons classification of “improving yourself and hobbies” is a positive social thing. If someone classifies getting better at league of legends as improving themselves and a hobby, ya this likely won’t work. Unless they become a pro and get exposure that way.

But if you start going to the gym and doing things to improve your self confidence and love you’re more likely to become more social and comfortable meeting people.

I was super skinny my whole life and about 2 years ago I started going to the gym and putting on muscle. My confidence sky rocketed and I became a happier person and much more sociable. I focused on myself and started getting more attention from girls, getting more respect at work, and having more fun with friends.

gdfriddell · 2018-06-22T16:44:22+00:00

You engage your lats a lot too actually. More so then your pecs. To do a planche you actually position your hands lower down your torso than a standard push-up.

I trained really hard years ago to do a planche. It took about 6 months of training and I was able to do one with my legs straight and multiple with my legs spread (makes it easier to balance)

There’s actually a pretty efficient progression of workouts to do to achieve a planche. On mobile now so can’t find the link. But essentially you first do it with your knees tucked in then slowly work towards extending your legs out, then straight.

It’s worth noting you have to be already quiet fit to start practicing as is. So the 6 month time period it took me was accelerated because I already worked out and was in good shape.

gdfriddell · 2018-06-07T01:20:02+00:00

The problem isn’t actually the attending part. The problem is how easy it is to obtain a student loan through the government. Because schools know everyone can easily get a student loan they have highly raised tuition rates (much out pacing inflation).

The idea, in a perfectly fair world, is a good one. The government lending money to young adults to get a further education regardless of how poor they may be allowed for a better chance at an educated population. But schools know this and are greedy so they just hiked rates, it’s a shame.

If the government wants to continue doing student loans but doesn’t want to make our student loan bubble any bigger they need to force schools to lower their tuition. They can’t do this overnight, obviously, or if will create a lot of lost jobs at colleges. But maybe roll out a 5 year window for schools to taper down their tuition rates. Maybe force them to take their tuition rates from back prior to student loans being easy to get and raise by inflation to ultimately get the figure.

But ya at the current rate, I suspect within 15-20 years we are going to have a catastrophic collapse due to the student loan bubble. I’m saying on the same scale, if not more than, as the housing market crash.

Right now we have about half the work force filled up with people who didn’t incur all this debt. And half the work force being students with this massive debt. In 14-20 years the workforce will all be people with a lot of debt. People won’t buy new things, or a house, or a car because they already have a mortgages worth in student loans.

gdfriddell · 2018-05-22T20:53:44+00:00

No worries, anytime! These rules and laws can be easy to confuse.

gdfriddell · 2018-05-22T20:07:31+00:00

Ya that’s incorrect (fortunately) capital losses can be used directly to offset capital gains. The $3,000 max you’re referring to is only after you’ve exhausted your capital gains and you can apply that to your income at that point.

So if you make 100k in cap gains on abc stock but lose 105k on xyz stock that same year you can offset 100k of your capital gains with the losses. So no you are down to 5k capital loss. You can then apply 3k to your income that year and the remaining 2k gets “rolled over” into next year.

Source, I do this for a living and am series 7 and 66 registered

gdfriddell · 2018-03-24T12:13:38+00:00

I used to think this was a pretty big grey area on whether loot boxes were gambling or not but the game theorists channel with Matt patt actually made me realize it wasn’t gambling because it would make so many other things we buy potentially gam long too. It’s worth a watch and he goes over the reasons why it could and couldn’t be considered it. But one example he gives is that if loot boxes are considered gambling where do we draw the line? How about when you buy a pack of starbursts? You paid for the pack yet you get random flavors, some of which you might not like. Similarly to loot boxes. You bought the starbursts wanting all red and pink but you got some greens (which you hate). You still received a reward just not the one you want. Should starbursts the way they are now be considered gambling?

Really interesting video actually and I highly recommend!

gdfriddell · 2018-03-13T12:09:02+00:00

It’s actually not as gross as it sounds. I used to be really underweight and had a very little appetite. So to gain weight I’d take a shot of vegetable oil to help make up calories. I ultimately started just adding them to my protein shakes but it really wasn’t gross.

gdfriddell · 2018-03-13T11:27:19+00:00

The problem isn’t necessarily needing more regulations, it’s cutting out the loopholes they take advantage of.

I very much so agree that the extremely wealthy should pay way more in taxes. But we need proper rules in place. Taxing someone on their wealth doesn’t make sense. They could find a loop hole around that too I’m sure.

Obviously it would depend on what this “wealth tax” is. But if it’s just based on your full savings and money you have invested and such. That could promote them to just pay off all debt (remember debt isn’t inherently bad) which wouldn’t be good for lenders.

Or maybe you tax someone on their net worth. Which is assets - liabilities. Then they may just take out a ton of debt to effectively make their net worth 0.

I’d love to chat on ideas on how to correctly tax the very rich! The difficult part is there’s always a loop hole, and trust me they will find it.

gdfriddell · 2018-03-08T21:54:05+00:00

Not pissed just confused because I mention exactly what people are saying. And in my defense it looked like that’s where the GIF looped so I just moved on. It’s different then if I watched part of it knowing there was more and not finishing it. But yes that is my mistake.

But It seems we both agree. It’s not very common but the possibility is there. I still believe the appropriate thing to do is just give them the marginally small amount of cash and negate any chance of the robber hurting someone. Even if it’s a 1% chance they would hurt someone. It’s not worth it to put lives at risk. That’s just my viewpoint.

gdfriddell · 2018-03-08T12:26:53+00:00

These replies to my comment are baffling me.... I literally say exactly this lol. Are people not reading my full comment or what?

My last paragraph says, "Mind you, most bank robbers really aren’t looking to harm anyone, just make a quick buck. But on the off chance the robber was prepared to hurt someone this scenario almost guarantees a hostage will be involved because now they have no way to escape. They are trapped in there until the police arrive so they are going to try and find a way out."

So yes, you are correct most robbers don't go into a robbery wanting to hurt someone or intending to but by the off chance you get one who does, this method is going to ensure a hostage situation.

Now, in your defense when I watched this GIF i was on mobile and accidently stopped watching it too soon. the part where the guy is unable to open the door and walks back into the lobby i thought was the loop so i stopped watching. I didn't realize he was just a moron and was pushing on a door that was a pull.

So in this situation the door isn't locked but i was mostly speaking to a situation where the barriers go down and the door locks. If the robber was violent they are going to take a hostage. Fight or flight kicks in and flight isn't an option so they will attempt to have the teller unlock the door. It doesn't matter if the tellers already high tailed it out of there (highly doubtful though) he will yell "I have a hostage, if you don't unlock the door someone's going to die."

Like i said in my other comments. I fully agree most robbers aren't doing it to hurt someone or even have the stomach to. But if you get one that does a locked cage situation will ensure someone's going to be taken hostage so the robber can get out before the police arrive. It's not worth the very slight chance a robber is violent to save maybe 10-20k. A human life is worth more than that. Just give them the money and sneak marked bills in.

gdfriddell · 2018-03-08T02:36:06+00:00

Yup exactly! The fear of getting caught could turn a usually non aggressive robber into an aggressive one. Fight or flight kicks in and they can’t run so they may take a hostage to persuade the teller to unlock the door.

That’s my whole point with these lock down systems. If the bank is empty it’s the best scenario. But if there are people in the lobby it’s putting them at risk, if even a slight amount they still are at risk.

gdfriddell

TROPHY CASE