danielfletcher
danielfletcher t1_jaehssk wrote
Reply to Dear Developers and Studios... by [deleted]
Old School
Halo 3
Choose one.
Also, there are hundreds if not thousands of games released every year that don't have micro transactions. Vote with your wallet instead of yelling into the sky.
danielfletcher t1_jaa8ln4 wrote
Reply to comment by turbocomppro in How does outside financing work for auto loans? by turbocomppro
Once I have a purchase order, I go get an insurance binder from my insurance agent and then to my credit union who cuts me a cashier's check made out to the dealership in about 20 minutes which I take back to the dealer and hand to them.
Since yours doesn't have any locations, you have to talk to them and to the dealer. Maybe they can wire the funds, etc. But different places have different policies.
danielfletcher t1_j26d0zs wrote
Reply to comment by confabulatrix in Recently gave my SSN over the phone by Brilliant-Classic707
And if you owe them money, they will get your SSN anyhow. Even back in 2003 when I was the office manager of a collections agency it was easy to get SSNs when doing skip tracing. Cost a dollar a piece when running 25 at a time. Even cheaper now.
danielfletcher t1_j1a7779 wrote
Reply to Is ThriftBookks too good to be true? by twomillioniq
I've gotten a textbook or two through them.
Use the isbn number of the book you want at bookfinder.com will show other sites as well (make sure to set Canada as your destination). You can also use it to find the best price on textbook buyback, but that may not work as well for outside the US.
One tip when doing textbooks is definitely go by the ISBN if you want to make sure you get the correct one. Sometimes it is fine getting a different version number or an international edition, but not always. Also, when going used you aren't going to have codes for online homework access which depending on the course you may need. Often, I found it was cheaper to buy the course access + digital edition or loose-leaf binder edition of the text direct from the publisher than buying the book used+access or going through the schools bookstore.
danielfletcher t1_j084zgm wrote
That's it? I'm only 41 but since childhood have personally known well over a dozen people to commit suicide, but only one person dead from using drugs and so far none from natural causes. I really would have thought that experiencing suicidality would be over 10% when you factor in those who don't go through with it successfully.
Edit: Nevermind, I missed at the beginning of the article that it is feeling BOTH pain and suicidality. Not one or the other.
danielfletcher t1_iyacal4 wrote
Reply to comment by zk2997 in I don't see the point of my employer's HDHP /w HSA compared to the PPO plan by zk2997
Most likely, those coverages are after your deductibles. And the out of pocket maximum is your deductible + copays after deductible. And then at that point they cover 100%.
So you would pay $400 of charges until you hit your deductible, then your 20% (or $40 specialist) copays until you've paid another $1600. So the most you'd pay per year out of pocket is $2000 (Not counting your biweekly premiums).
If that is how your plan is written, that's not bad for your biweekly premium rate. So even if you got really sick or injured and needed care tomorrow, worst case you're looking at getting $2000 in bills even if you had a $100k surgery + ICU stay. Still better to live healthy and not take unnecessary risks.
Does your employer offer additional short-term or long-term disability coverage? Some employers pay 100% for their employees or offer it for a very cheap subsidized deductible. I've had it fully covered where I'd get 80% of my current pay for both short and long term, or wound up being like just $4 or $5 a pay period. That adds up if you're next to broke, but as you get more established in life it seems relatively cheap for the peace of mind. Similar to how renters insurance is like $8-$10/month and if something happens you will be thankful you had it.
danielfletcher t1_iyaa8va wrote
There is usually a greater difference in the employee premium between the two plans.
There could still be potential long term gains/savings by being able to max out the HSA yearly, but unless you're doing that and don't have anything outside of your yearly covered physical and one visit to your eye specialist it could quickly cost you more out of pocket.
danielfletcher t1_iy6ud8c wrote
Reply to comment by BeaBzz in I think this is supposed to be an owl but it looks more like a weird furby or one of those gremlins you don't feed after midnight by BeaBzz
Thank you. If I don't find it, I will just have to look in the mirror.
Ooohhhh, self burn.
:(
danielfletcher t1_iy6u5gr wrote
Reply to comment by BeaBzz in I think this is supposed to be an owl but it looks more like a weird furby or one of those gremlins you don't feed after midnight by BeaBzz
We have one here where I live, so I will have to stop tomorrow and maybe will get lucky. I like weird looking shit like this.
danielfletcher t1_iy6t0za wrote
Reply to I think this is supposed to be an owl but it looks more like a weird furby or one of those gremlins you don't feed after midnight by BeaBzz
I would buy it. I don't recognize the store unfortunately.
danielfletcher t1_iy6ctwi wrote
Reply to comment by Xadenek in ELI5 I don't understand what my SDD does. by Xadenek
Yes. And if it is an external one then likely technically slower than the internal.
danielfletcher t1_ixstvis wrote
Reply to Spot the kitten on the bookshelf by Holy_Headlines
Almost didn't see the 2nd one.
danielfletcher t1_isvu9bv wrote
Reply to This is George. He has a mustache. by GunMetalSnail429
What a dapper gentleman!
danielfletcher t1_jaeqvqd wrote
Reply to comment by SomaCruzBelmont in Dear Developers and Studios... by [deleted]
I've never bought a battle pass. Did buy the DLC expansions for a Lego game and Forza Horizon 5 though.
Who the fuck cares about cosmetics though? Just kids nowadays.
"Gatekeeping" "Dude". LOL Fucking trolls.