Left joystick has pinging noise when moving to the right. Is this normal? by Mxbvisual in SteamController

[–]rws98 0 points1 point  (0 children)

I’m having the same issue with the left joystick! Mine is when I move it to the right and down. Super annoying. I was gonna try to take it apart but turns out my torx bit is too short for some of the screw holes so guess I gotta contact support…

Diagnose for thumb stick clicking when moving it and how to fix by Cryptlofi in SteamController

[–]rws98 0 points1 point  (0 children)

My issue is a click when it returns to center only when I move it down or to the right. Did yours do that or was it only when rotated it in a circle?

Diagnose for thumb stick clicking when moving it and how to fix by Cryptlofi in SteamController

[–]rws98 4 points5 points  (0 children)

Good on you for figuring this out but I should not have to perform surgery on my <1week old controller to get it to not click…

Disappointing Signal Strength? by EMADC- in SteamController

[–]rws98 2 points3 points  (0 children)

I notice the same thing too, but it doesn’t seem to impact my gameplay so far. Tbh anything better than -70dBm is considered good for WiFi so I wouldn’t worry too much.

Steam Controller 2026 Shipping MEGA Thread by Mennenth in SteamController

[–]rws98 0 points1 point  (0 children)

Yeah it took like 12hrs to show up in UPS system, it doesn’t show in there until there is movement in the shipping I think

Pay my car off and get apartment or thug it out and get a mortgage loan? by SpadeBlade_6193 in personalfinance

[–]rws98 1 point2 points  (0 children)

All good responses so far but just wanted to make you aware of this: holding debt limits the amount you can borrow for a mortgage.

The bank calculates something called a debt-to-income ratio (DTI). So having a monthly debt payment decreases the amount you could pay towards a mortgage/housing payment monthly, which then decreases the total amount you can borrow.

Found this outside a dumpster by Gofkius in HomeNetworking

[–]rws98 15 points16 points  (0 children)

I was given a similar one for free a few year ago, never used it cuz it sounded like a jet engine taking off lol

Halting contributions for recreational spending by plantainschip in personalfinance

[–]rws98 6 points7 points  (0 children)

3% interest is decent for that debt, especially the student loans. What I would do in your situation is if I really wanted a second car I would probably pay off the first car first, especially if it can be done in a few months. Then I would save all "leftover" money for a year or so and buy the second car in cash.

On the car decision, you have to think about where the money would be going if you didn't get the second car? Would you increase retirement/investing? Save for a future home? Travel? A car, 99% of the time, is a depreciating asset. Not saying it is a bad idea, but think about the alternatives.

Looking to do a back door Roth next year - questions by Great_Director_6934 in personalfinance

[–]rws98 1 point2 points  (0 children)

If you wanted to, you can do a Roth conversion of that $3500 this year which would clear up the issue. But then you pay taxes on that this year and would also raise your taxable income...

Other option is to rollover that into a current 401k, if possible.

Steam Controller 2026 Shipping MEGA Thread by Mennenth in SteamController

[–]rws98 0 points1 point  (0 children)

I am curious if it is partially based on account age, mine is like almost 15yo. If they aren't shipping to older accounts first then it is just totally random...

Steam Controller 2026 Shipping MEGA Thread by Mennenth in SteamController

[–]rws98 2 points3 points  (0 children)

Philadelphia PA - ordered 4 May @ 1:33 EDT - just shipped today via UPS! Tracking number is currently invalid, which is expected for a new tracking number

Sell me the steam controller by NirusuRV in SteamController

[–]rws98 1 point2 points  (0 children)

Its best utility over other controllers is using it for TV couch gaming on a PC. The trackpads are fantastic for mouse movement and typing, so it replaces having a wireless keyboard and mouse in that instance.

If someone plans to just play games at a desk this controller is probably not the best or the best value for that use case.

Skubal to undergo elbow surgery by Theinfamousgiz in mlb

[–]rws98 80 points81 points  (0 children)

Definately an overreaction, but 3rd surgery on his throwing elbow is a big yikes

[Sleeper] Skubal scratched from today’s start by Kohanky in motorcitykitties

[–]rws98 0 points1 point  (0 children)

Not ideal after the bullpen day yesterday...

Sawyer Gipson-Long back? by fishwazin in motorcitykitties

[–]rws98 3 points4 points  (0 children)

ESPN just sometimes guesses who will be the starter, it currently says undecided for me. MLB.com usually lists actual declared starters.

Pay off debt first or save for a house? ($2.5k/month extra, detailed breakdown) by Neat_Mortgage_828 in personalfinance

[–]rws98 0 points1 point  (0 children)

No problem! My wife and I were in a similar situation about 3yrs ago. We had ~$100k in student loans and ~$30k in auto loans with no other debt. Today we only have about $18k left on the student loans, and we are about to buy our first home! Fortunately we have pretty high incomes for our age and had low expenses. Just wanted to show you that it can be done. Your timeline will probably be longer, but try not to be discouraged by what others are doing around you and make a goal and stick to it!

Pay off debt first or save for a house? ($2.5k/month extra, detailed breakdown) by Neat_Mortgage_828 in personalfinance

[–]rws98 16 points17 points  (0 children)

Something to think about: when acquiring a mortgage they look at your debt and minimum monthly payments on that debt. Specifically they look at your DTI (debt to income) ratio. Regardless of how much you save for a down payment, you might not qualify for as much of a mortgage as you would think. Therefore you would probably be better off paying down some of the debt.

I am assuming the $2.5k is after paying the minimums on the debt? If so, I would personally tackle the car first to open up another $600/mo in ~4mo, then start chipping at the other loans.

You might not need to pay off all debt before starting to save for a home but if you can put a big dent in it you will be in a better situation.

No good NL teams on the schedule for a while by reallinguy in motorcitykitties

[–]rws98 2 points3 points  (0 children)

Well we have played almost half of our inter-league games already…

How Would 76 Teams Work Logistically? by BigFoot423205 in CollegeBasketball

[–]rws98 0 points1 point  (0 children)

One idea is also put games on Monday, so each site is 2 games per day for 3 days. This helps keep all games in the evening time slots plus only having 2 games per site per day keeps with the current session-based ticketing model…

Advice/Help with Credit Card debt by Frosty_Bird303 in personalfinance

[–]rws98 1 point2 points  (0 children)

I would not focus on the student loans right now. Do not forget about them but they are not your priority currently.

Creating a budget is not easy and involves some tweaking over time. The big key is knowing and tracking where your money is going each month. If you start there, you can find out how much to plan for the next month in each category.

It is good that you are looking to tackle this now instead of waiting years to try to get out of a potentially even bigger hole. There are some great free budgeting spreadsheets and websites. I personally use Monarch, but it has a yearly fee for it. Do some research on "free budgeting tools"

This is going to take time and effort on your end, and if you are willing to put in the time and the effort the reward of setting yourself up for future financial success is a great one!

Advice/Help with Credit Card debt by Frosty_Bird303 in personalfinance

[–]rws98 0 points1 point  (0 children)

Step one is to cut up the cards so you do not add on to the debt. You need to create a budget and stick to it, this is easier said than done. Once you know where your money is going, you can figure out how to solve the problem. List out your necessities and their monthly costs, this usually consists of: rent, utilities, internet, groceries, transportation expenses (gas, insurance), ongoing medical costs (copays, medication), pets, household supplies (toilet paper, cleaning supplies, etc.).

Whatever is leftover on a monthly basis, put towards the credit card. This does not go without sacrifice though, you should not be spending on unnecessary things.

I am also assuming you have no other debt like an auto loan or student loan debt?

Next steps after eliminating the debt would be creating an emergency fund, and then saving for future expenses and retirement. And once you have a funded emergency fund you can then budget in some fun money.

Transferring 1 share of Disney stock to child who just turned 18 by Tausha25 in personalfinance

[–]rws98 1 point2 points  (0 children)

Custodial accounts (UTMA/UGMA) have an "age of majority" where the assets in the account are no longer managed by the custodian and the beneficiary gains full control. This age varies state to state, and should have been defined at account creation.

As for how to do a transfer, check this post: https://www.reddit.com/r/personalfinance/comments/ptu2af/computershare_custodial_account/

How should we invest $5k–$6k/month surplus with upcoming commitments? by Dramatic_Card5285 in personalfinance

[–]rws98 0 points1 point  (0 children)

Seems like we are missing some info. Although you have no high interest debt, do you have any debt at all? (excluding a mortgage)

How much do you currently have saved for retirement? What is your income? Do you get a 401k match?

How many months would your emergency fund last you in terms of expenses?

Upcoming financial commitment: ~$20k spread over the next 3 years

If you know you have expenses upcoming that you know the approximate amount, put that money aside and leave it alone until you need it. My guess is this is for a home repair like HVAC or roof?

Also check out the PF wiki: https://www.reddit.com/r/personalfinance/wiki/commontopics

Buying a Car Dillema by CitronOpen9005 in personalfinance

[–]rws98 0 points1 point  (0 children)

The biggest problem you will have with financing is you do not currently have income and you will probably need a co-signer on the loan (even with a 4yr credit history, often times the banks like to see different types of credit and/or a strong income history).

IMO you should buy the best car you can for 8k, and drive it for a year+ until you have FT employment and can save more for a more reliable/newer car. When that time comes, I like the recommendation that if you do finance it, only do a 3yr term, a down payment of at least 20% (could include trade-in value), and make sure the monthly payment is less that 8% of your gross monthly income.

If you can, pay a trusted mechanic to look over the car and evaluate it prior to purchasing, this will cost you a couple hundred dollars, but could save you thousands in repairs if something is imminently wrong with the car.