u/CumAcneTreatment

Can we push for v2 skarner instead of v1

Guys we can get the actual good version of skarner instead of v1 which is still an acceptable skarner but it isn't the most fun version.

V3 skarner was the spire skarner v2 is the micro stun skarner with the 3 hit passive.

In my opinion this is the best skarner that was ever released. That is the skarner I remember from my childhood and I didn't love the spire rework but it mostly kept the champion I liked intact and give him an insane jungle clear abduction play style. The Katarina mains complaining until they got v2 kat so it is possible.

Skarner not having a stun is extremely jarring and I don't really love the first version they shipped on league classic. Maybe you guys like it more but that's my opinion. They are going to nerf this skarner so it won't feel as strong as it currently is. There is no way they let the current skarner numbers stay in the game so the champion won't be as fun as it is right now with the damage numbers.

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u/CumAcneTreatment — 9 days ago

Pay off student loans or invest more money

I am 25 have 34955 in student loans with the following interest rates. Unfortunately I have to start paying these loans back I've managed to delay them for a while with save.

5500 4.28%

3250 2.5%

3750 3.48%

12500 4.74%

7150 5.25%

2705 in interest that does not compound.

Payment is 191 a month over 25 years fixed rate.

Car loan

14689 4.8% 263 payment over 4.5 years

Income:103306

Income after taxes, health insurance payments: 82256

I max out 401k, Roth IRA, HSA, and have 10k extra to build emergency fund which I've just completed so all my extra money goes to investments. I think I invest about 45k. I did have to buy a car to get to work because my highschool clunker shit the bed after 10 yrs and 300,000, miles.

401k: 64,275

HSA:13,025

Roth IRA:62,678

Brokerage:1,6710

Emergency fund/vmfxx:15,932

Cash:6500

Car:18,000(I could sell it for 18k. I bought it for 19k)

I have 50k in debt at a moderate interest rate. My interest rates are lower then the 30 year us bond return so Im not sure if I should buy 30 year government bonds, pay off my debt, or keep investing all my money in the stock market.

there really isn't a spreadsheet that tells me what the optimal choice to do here so I'm asking reddit for advice.

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u/CumAcneTreatment — 2 months ago