u/Royal_Award_3367

Whats up, fellow IBC-ers!

I’ve been doing IBC for about a year now and need some advice.

I have a debt that‘s about $14k, $0 minimum monthly payment, and 0% interest. I’m getting a commission check for that amount in about a month.

Nelson Nash would say to put the $14k into my IBC policy then payoff the debt. I like that because of the opportunity cost and the extra life insurance.

However, that would also come with interest charges greater than my current 0%.

Do I pay it off in full, or run it through my IBC policy first?

I need help picking my first edrum kit!

A little context for you: I played drums for about 8 years, then stopped when I got to college. Now a decade later, I want to pick it up again. I can’t go acoustic because of the living situation… also, I’ve always loved electric drums.

I don’t want to buy something and never use it, so I don’t have a huge budget (think $500 +/-). If I want to upgrade later, I will.

I want a kit for 2 reasons: for fun and to be able to play at church again. I’m not trying to do anything too complex (double peddle, brushes, etc.)… yet, at least.

I’m debating between 3 options:

• Option 1: Alesis Nitro Max NEW (about $500)
• Option 2: Alesis Nitro Max/Expanded USED ($350-400)
• Option 3: Alesis Crimson II USED ($500)

I like OPTIONS 1+2 because it seems like a good kit to “get back into it before diving head first.” Used allows me to save money of course.

ChatGPT says I should get Option 3. Reason being is I’ll probably outgrow the Nitro Max in less than a year, whereas I can grow into the Crimson.

Which kit would you do?

EDIT: Yeah, y’all convinced me not to do the Nitro. I‘d love any experience with the Crimson or another drumset in the $500 range.

I’ve had Xfinity mobile for 1 year as of this month. I signed up because they gave me a free year of service for 1 line and some type of discount on the iPhone (I don’t remember exactly how much).

I’ve seen a lot of hate on Xfinity mobile, so I wanted to give my 2 cents.

Pros:

• It’s the most affordable way to get your phone. Yes the plans aren’t the cheapest, but they’re far from the most expensive and have great features (International included, fast hotspot, phone repairs, etc).
• Same thing with phone financing/leasing. You get 2 upgrades per year - where else can you get that??
• Service is pretty reliable and the hotspot is fast- (sometimes feels faster than my phone service, make that make sense).

Cons:

• Service is not the fastest. I’ve read into this and it seems to do more with Verizon‘s towers than Xfinity‘s problem. Its not slow but not as fast as my previous carrier, t-Mobile
• I‘ve had great customer service experiences, but I seem to be the exception not the rule

do you have Xfinity mobile? What do you think?