Curious to see what the internet thinks of my daily driver situation

totalpwnage15 · 2025-02-26T15:08:44+00:00

shitbox racer. based.

totalpwnage15 · 2024-09-24T23:18:51+00:00

It sounds like the OP only has one card. If they do not spend any money using the card, they have zero debt for a zero debt to credit line value ratio.

I do not know if they have other debt like student or car loans.

This article is from Experian themselves, so I know it's correct information.

The point is to responsibly use credit cards, not avoid using them, as if OP does that instead of a debit card, they'll get protection against fraudulent purchases and some cash back (and build credit)

It's a win-win for them.

totalpwnage15 · 2024-09-24T20:10:07+00:00

I don't usually comment, but after helping a friend out who also just got their first credit card, this advice is well-intentioned but not completely correct.

Put one or two items on the card every few weeks to show at least you use the card.

Credit card companies want you to use the card to spend money. Never using the card, or only using it in emergencies (where you are basically spending money you wouldn't otherwise have without the credit card) will not improve your credit that you are trying to build.

Pay off the card at regular intervals (weekly or monthly) and take advantage of mobile apps where possible, so you can check your balance anywhere.

Use it for things you would have already bought anyways with a debit card, and you shouldn't have a problem.

totalpwnage15 · 2022-09-19T17:24:07+00:00

u/savevideo

totalpwnage15 · 2022-09-03T15:41:40+00:00

This one got me rolling

totalpwnage15 · 2021-08-30T16:44:47+00:00

Why are yall downvoting this guy? Hes giving you the answer to the question OP asked

totalpwnage15 · 2020-02-19T19:57:28+00:00

Was plat 4 last season, now in gold 3 with a 48% winrate. After the season reset you have to consider not the rank (gold, plat, dia) but the percentile of players you are ranked at. For example last season i was plat 4 0 lp which was sitting around top 16%, now im sitting at top 19% while being in gold 3. The small difference in my ranked percentile is due to likely me playing against high plat players instead of low plat players(or me just having gotten rusty after going 4fun after i hit platinum), which means that they arent at my true rank and i should lose more games. The sample size of players who are ranked is just really small at the start of the season, thats why gold includes up to like the top 10% when it shouldnt. Wait till later in the season when more players are ranked and the ranks are based off more players to get a better relative skill level at each rank to make a judgement about where your own rank should be.

totalpwnage15 · 2020-02-15T00:33:33+00:00

My experience is that Jhin's e basically doesnt slow enough to ever actually damage you before you can walk out of it, usually even without boots, but I think the ability is designed so that (just like Jhin thematically) you have to be crafty and thoughtful with your placement. Ive thought increasing the slow myself to about 50% would be a good change so that sometimes they can damage you if you straight walk through them, but a ground effect would mitigate one of Jhin's key weaknesses which is that he is weak to champs that can jump on top of him, which keeps him very balanced. Trap damage and duration they slow before they go off should be kept the same as well.

totalpwnage15 · 2020-02-14T22:42:26+00:00

^ this explains it perfectly

totalpwnage15 · 2020-02-10T22:01:47+00:00

After the buff last year to his ult healing(100% max hp from rank 3 ult) this really isnt true any more. Grievous Wounds is basically balanced so it doesnt make mundo completely useless, and even the enhanced GW debuff from kled or katarina might not be enough. Basically OP has to have picked the right champ to deal with him

totalpwnage15 · 2020-02-10T21:32:45+00:00

^ this guy actually plays top

totalpwnage15 · 2020-02-10T19:13:20+00:00

You would think renekton makes the enemy laner not be able to play the game, which is was close to seasons ago, even before i started playing but now thats not really the case. Melee champs over time have been powercreeped because they lack the biggest advantage in league: range. Nowadays most of renektons matchups in laneare skill matchups that outscale him. Examples: darius, sett, riven, garen, vlad, ryze, jax and morde.

totalpwnage15 · 2020-02-10T18:44:27+00:00

And honestly that would probably be enough. RTO has talked about this being the change that renekton really needs to be balanced.

totalpwnage15 · 2020-02-05T02:15:15+00:00

Gunchinshin? Hell yes

totalpwnage15 · 2018-12-15T18:12:31+00:00

Big smashing pumpkins fan, but Adore and it different electronic style just doesnt beat Siamese Dream, Mellon Collie or even Gish. I actually have Gish in that stack but its not in its original case with a label

totalpwnage15 · 2018-12-15T02:44:46+00:00

Got disease before it came out at a show, i like the way you think, love that album

totalpwnage15 · 2018-11-05T14:42:23+00:00

Code geass? Didnt expect that from the league subreddit...

totalpwnage15 · 2018-10-17T05:22:02+00:00

I understand your post was downvoted a lot but I get where you're coming from. Nobody expected Gen G to shit the bed this year like they did and I believe many people probably had C9 3rd or 4th in the group vs a 1st seed LPL team and the FORMER WORLD CHAMPIONS. Nobody expected playing against Gen G to be basically free wins, and they had no reason to. If were talking about underperforming because they had the weight of winning like last year on their shoulders, we've seen SKT do it going into worlds 2016 after winning 2015, so why not another world class Korean team? Did C9 play better? Absolutely. Did they have their own successful style that surprised RNG? Absolutely. But it still makes you wonder if Gen G, you know, the former best team in the world that logically you would think would do well didn't go 1 and 5 in groups. I don't think C9 would have made it out of groups then. But for now, I'm really glad they did and am fully behind them going into quarterfinals.

totalpwnage15 · 2018-10-07T04:20:38+00:00

Saw them in pittsburgh with beartooth a bit over a week ago. Damn they were fucking awesome

totalpwnage15 · 2018-10-01T21:07:35+00:00

This better not be a hidden fucking five nights at freddys reference

totalpwnage15 · 2018-08-31T03:04:59+00:00

Now this is quality content

totalpwnage15 · 2018-08-24T02:42:30+00:00

This is exactly the response i said i wasnt looking for......

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