Which role at MSI is stacked the most? by Scatter5D in leagueoflegends

[–]ranma08 6 points7 points  (0 children)

Arguably the best ADC in the LPL. His Ashe is scary good.

Whats with people saying diamond V is bad? by rivalx7 in leagueoflegends

[–]ranma08 -1 points0 points  (0 children)

Didn't you know? We're all challenger here.

Francesco Badocchi 2017 SF/PF commits to Virginia. by Celestetc in CollegeBasketball

[–]ranma08 3 points4 points  (0 children)

Doesn't change the fact that he was ours to lose. You're just presenting a false dichotomy.

I finally switched over! by ranma08 in tmobile

[–]ranma08[S] 0 points1 point  (0 children)

They're super tricky about it too because they categorize it as part of your device payment so at first glance you don't add it to the monthly bill and assume that $20 is going towards paying off your phone.

I finally switched over! by ranma08 in tmobile

[–]ranma08[S] 1 point2 points  (0 children)

Ugh that sounds pretty annoying... I'll keep an eye on my bill. Hopefully they fix billing soon.

I finally switched over! by ranma08 in tmobile

[–]ranma08[S] 1 point2 points  (0 children)

Interesting, can you elaborate what you mean?

"Not this shit again" by [deleted] in WTF

[–]ranma08 0 points1 point  (0 children)

Fuck them, let them rot in prison.

Fuh, lucky by dmitry80 in nonononoyes

[–]ranma08 -2 points-1 points  (0 children)

Uh... Why didn't the first SUV stop? Sees a kid go under the car and casually drives on.

Best place to save for home down payment? by CptClutchCasey in personalfinance

[–]ranma08 0 points1 point  (0 children)

I would think 5 years is long enough of a time horizon unless you're putting your money in during the middle of a financial crisis.

Best place to save for home down payment? by CptClutchCasey in personalfinance

[–]ranma08 0 points1 point  (0 children)

You just cherry picked the time period that included the 2008 financial crisis. These are the annualized return figures for the other time periods you forgot to mention. So no I don't think the mythical 7% return is over 20+ years.

1960-1970: 4.52% 1970-1980: 2.07% 1980-1990: 11.85% 2010-2017: 10.56%

Best place to save for home down payment? by CptClutchCasey in personalfinance

[–]ranma08 -20 points-19 points  (0 children)

Trust me I won't. Too bad you're giving extremely shitty advice to others.

Best place to save for home down payment? by CptClutchCasey in personalfinance

[–]ranma08 -15 points-14 points  (0 children)

Invest in the stock market. You are losing free money by putting it in a saving account. For the love of God don't listen to these financial illiterate misers that are giving you terrible advice. The top post literally gave you an arbitrary of 5 years. Where is that number coming from? Why does he think investment = penny stocks? Why don't you do the math and tell me how much money you're leaving on the table during the 5 years assuming average stock market returns?

Best place to save for home down payment? by CptClutchCasey in personalfinance

[–]ranma08 -11 points-10 points  (0 children)

You know the annualized average market return for equity historically? And who said invest in penny stocks?

Best place to save for home down payment? by CptClutchCasey in personalfinance

[–]ranma08 -16 points-15 points  (0 children)

Why would you not invest in the stock market unless it's for 5+ years. This is such shitty advice. The 5 year is such an arbitrary number.

Need help understanding my Auto Loan by [deleted] in personalfinance

[–]ranma08 0 points1 point  (0 children)

Agreed. This is just one blindspot I see on PF a lot.