u/wanna_be_consultant

Also, which of these is the best you guys think?

I have one thing I want to try (Cicalfate), but struggling to find something else to get. Most of the LRP products I use don't qualify...

I'm already on tret so I don't really need a retinol.

Looking for any anti-aging or rosacea recs you may have!

My nose is RED RED. Only thing that will probably help honestly is laser, but I'm desperate.

Have any of you had any success with "trp regulin" for rosacea?

Basically the title. Such a cool hero that's been abandoned and the only thing they've given us is a nerf that was entirely uncalled for (and that still has not been fully reverted).

Only a 2.7% pick rate at master and a 1.2% pick rate at grandmaster+. Both the lowest pick rate and ban rates yet somehow she needs a nerf.

Why can't they just let the people who like to play her be able to play her? Makes no sense.

Has anyone found a fix for this? I'm easily able to do 300+ fps but frequently find myself going down to 170 and it feels like a stuttery mess

Specs: 9070 xt and 9800x3d

"The application has encountered an unexpected error"

I love being suspended for something outside of my control :)

I'm looking for something beyond just using ctrl shift n. I'm trying to see if something is wrong with my system somewhere because I sometimes get issues even though my ping, FPS and IND look fine.

It's hard to use ctrl shift n because in real time it happens very very fast and it's hard to discern.

What is the best way to try to flag for potential issues other than trying to look at the stat graphs without blinking?

Hi all,

Thank you to anyone who reads this!! It’s a bit long-winded but I include some tldr details below.

If you’ve got 100k sitting in the bank, would you knock out the full amount of your loans? (In my case, my debt amount is 45.5k).

I’ve heard people say that, mathematically speaking, investing makes more sense. However, I don’t have much knowledge or wherewithal on investing (I’m near clueless on index funds, money market accounts etc.).

Am I right in thinking that paying off the loans is the correct choice or is there a very easy and low-risk investing alternative that would be a better use of my money?

Some people have seemed to suggest that knocking out the loans is the best decision overall, at least psychologically. This is just a massive choice to make so I want to get as much feedback as possible.

Here are the full details regarding my situation:

-32M, live in major city in Midwest

-Laid off, but recently secured a job. Will make $63k/year.

-Living at home currently, so I don't pay much in rent (only $500).

-I have $45.5k in student loan debt at an interest rate of 4.250%. (I was on SAVE so I'm not sure if this interest rate will change and I do not have any significant progress towards forgiveness...I've actually worked a job that would qualify me towards PSLF, but I tragically wasn't making payments due to my lack of education on PSLF).

-I could start working towards PSLF, but not sure if it's worth it because I haven't decided if I want to work in education long-term or if I want to try to do something on the corporate side. If PSLF doesn't work out, then it could just be more interest. I also plan to be aggressive in moving up in my career regardless of sector.

-I have about $100k of savings rotting in a crap bank account that's not even high yield. I know this is shameful and I'm not proud of it, but I want to make a change here too.

TLDR: pay the loans in a lump sum or make the minimum payments and invest my money instead ($100k)?

Hi all,

Thank you to anyone who reads this!! It’s a bit long-winded but I include some tldr details below.

I’ve posted on here before asking for input. I plan to make this my final post. I’m ready to push the button and pay off my loans. I’m in a lucky position to be able to do this, but still feel very scared and anxious in my decision.

If you’ve got 100k sitting in the bank, would you knock out the full amount of your loans? (In my case, my debt amount is 45.5k).

I’ve heard people say that, mathematically speaking, investing makes more sense. However, I don’t have much knowledge or wherewithal on investing (I’m near clueless on index funds, money market accounts etc.).

Am I right in thinking that paying off the loans is the correct choice or is there a very easy and low-risk investing alternative that would be a better use of my money?

Most people have seemed to suggest that knocking out the loans is the best decision overall. This is just a massive choice to make so I want to get as much feedback as possible.

Here are the full details regarding my situation:

-32M, live in major city in Midwest

-Laid off, but recently secured a job. Will make $63k/year.

-Living at home currently, so I don't pay much in rent (only $500).

-I have $45.5k in student loan debt at an interest rate of 4.250%. (I was on SAVE so I'm not sure if this interest rate will change and I do not have any significant progress towards forgiveness...I've actually worked a job that would qualify me towards PSLF, but I tragically wasn't making payments due to my lack of education on PSLF).

-I could start working towards PSLF, but not sure if it's worth it because I haven't decided if I want to work in education long-term or if I want to try to do something on the corporate side. If PSLF doesn't work out, then it could just be more interest. I also plan to be aggressive in moving up in my career regardless of sector.

-I have about $100k of savings rotting in a crap bank account that's not even high yield. I know this is shameful and I'm not proud of it, but I want to make a change here too.

TLDR: pay the loans in a lump sum or make the minimum payments and invest my money instead ($100k)?

Hi all,

I'll keep this as brief as possible. I'm looking for advice on how I should tackle my loans for the best financial health long term. I appreciate any insights you may have!

Here are the main details:

-32M

-Laid off, but recently secured a job. Will make $63k/year.

-Living at home currently, so I don't pay much in rent (only $500).

-I have $45k in student loan debt at an interest rate of 4.250%. (I was on SAVE so I'm not sure if this interest rate will change and I do not have any significant progress towards forgiveness...I've actually worked a job that would qualify me towards PSLF, but I tragically wasn't making payments due to my lack of education on PSLF).

-I could start working towards PSLF, but not sure if it's worth it because I haven't decided if I want to work in education long-term or if I want to try to do something on the corporate side. If PSLF doesn't work out, then it would just be more interest.

-I have about $100k of savings rotting in a crap bank account that's not even high yield. I know this is shameful and I'm not proud of it, but I want to make a change here too.

Does anyone here know Fukuoka well and could offer insights regarding matcha shops?

Basically, my friend will be there and is willing to pick up some matcha for me. I'm interested in trying Marukyu Koyamaen and Horri Schichimeien especially since these brands seem to be the hardest to get in the states. I'm also very open to boutique stores that do their own sourcing or shops operated directly by tea masters or farmers.

I know this sounds like a really dumb question. It probably is. But now that interest will be waived and essentially will no longer build, doesn't it make more sense to put any savings or money into a HYSA, money market funds, or retirement?

Here is my situation:

-32M

-Laid off, but recently secured a job. Will make $63k/year.

-Living at home currently, so I don't pay much in rent (only $500).

-I have $45k in student loan debt at an interest rate of 4.250%. (I was on SAVE so I'm not sure if this interest rate will change and I do not have any significant progress towards forgiveness...I've actually worked a job that would qualify me towards PSLF, but I tragically wasn't making payments due to my lack of education on PSLF 🤡🤡).

-I could start working towards PSLF, but not sure if it's worth it because I haven't decided if I want to work in education long-term or if I want to try to do something on the corporate side. If PSLF doesn't work out, then it would just be more interest.

-I have about $100k of savings rotting in a shit bank account that's not even high yield.

With the new interest waiver, is paying off your loans still the best bet or does it make more sense to just pay the minimum monthly payment?

Hi all,

I'll keep this as brief as possible. I'm looking for advice on how I should tackle my loans for the best financial health long term. I appreciate any insights you may have!

Here are the main details:

-32M

-Laid off, but recently secured a job. Will make $63k/year.

-Living at home currently, so I don't pay much in rent (only $500).

-I have $45k in student loan debt at an interest rate of 4.250%. (I was on SAVE so I'm not sure if this interest rate will change and I do not have any significant progress towards forgiveness...I've actually worked a job that would qualify me towards PSLF, but I tragically wasn't making payments due to my lack of education on PSLF 🤡🤡).

-I could start working towards PSLF, but not sure if it's worth it because I haven't decided if I want to work in education long-term or if I want to try to do something on the corporate side. If PSLF doesn't work out, then it would just be more interest.

-I have about $100k of savings rotting in a crap bank account that's not even high yield.

-My biggest goal is to be smarter with my money and get on a more thoughtful path going forward.

My plan: dump an instant 5-10k payment into my loans, then take 80% of every monthly paycheck and put them directly into my loans. This should be like 4k a month or so I think. Next, I would eventually take the remainder of my savings and put it into a Roth or HYSA (TBD....bigget prio is the loans). Paying off the loans in a lump sum payment makes me nervous since I really value having a nest egg and job security is not promised in this economy.

Does this seem reasonable to you guys or do you think paying off the loans this aggressively is unwise (I've heard people say you can get bigger returns by investing your money or trying to work towards forgiveness).

Hi all,

I'll keep this as brief as possible. I'm looking for advice on how I should tackle my loans for the best financial health long term. I appreciate any insights you may have!

Here are the main details:

-32M

-Laid off, but recently secured a job. Will make $63k/year.

-Living at home currently, so I don't pay much in rent (only $500).

-I have $45k in student loan debt at an interest rate of 4.250%. (I was on SAVE so I'm not sure if this interest rate will change and I do not have any significant progress towards forgiveness...I've actually worked a job that would qualify me towards PSLF, but I tragically wasn't making payments due to my lack of education on PSLF 🤡🤡).

-I could start working towards PSLF, but not sure if it's worth it because I haven't decided if I want to work in education long-term or if I want to try to do something on the corporate side. If PSLF doesn't work out, then it would just be more interest.

-I have about $100k of savings rotting in a shit bank account that's not even high yield.

-My biggest goal is to be smarter with my money and get on a more thoughtful path going forward.

My plan: dump an instant 5-10k payment into my loans, then take 80% of every monthly paycheck and put them directly into my loans. This should be like 4k a month or so I think. Next, I would eventually take the remainder of my savings and put it into a Roth or HYSA. Paying off the loans in a lump sum payment makes me nervous since I really value having a nest egg and job security is not promised in this economy.

Does this seem reasonable to you guys or do you think paying off the loans this aggressively is unwise (I've heard people say you can get bigger returns by investing your money or trying to work towards forgiveness).