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mutata
Mar 1, 2003

The thing about going into consumer debt for a thing is that debt continues to build and build and it can VERY quickly double, triple, etc in size. In fact, it's designed that way. It's specifically formulated to make it as easy as possible for you to wake up one day and suddenly owe many times more than what you initially spent. You doing nothing but living your life normally and waiting will result in you owing a ton more money.

Or you save up the cash ahead of time, pay the asking price outright, and then you're done.

v:shobon:v

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oddium
Feb 21, 2006

end of the 4.5 tatami age

glassesmakers usually make cute glasses too, in my experience

Hopper
Dec 28, 2004

BOOING! BOOING!
Grimey Drawer
Yeah, no offense, but spending that much on a non-essential surgery if you can't easily afford it is not wise.
I'd postpone it or buy nicer glasses. I know things like not liking your glasses can get to you, but there are worse fates in life.

Phantasium
Dec 27, 2012

i'm being informed that most people can't blast lasers out of their eyes

Oxxidation
Jul 22, 2007

Skypie posted:

You might try looking at some other similar procedures. A guy I work with just had eye surgery but it wasn't Lasik and he said it's helped a lot although the recovery can cause some double vision issues for an extended time while the retina heals.

I dunno how much it costs but it's worth looking into options

it has way too high a chance of causing permanent damage to your vision and even if it succeeds the effects aren't permanent

lasik is a crock

mutata
Mar 1, 2003

Credit is good to have available in case of a legit emergency as in life- or livelihood--threatening sudden occurrence like you need emergency surgery or your only car you rely on for keeping a job gets broken. If you run it up with consumer debt then you drain that pool or put yourself in a place where something like a broken car will literally ruin your life. It's a bad idea because the system is rugged against you. It's designed to ruin you, kinda like casinos. It all benefits the house in the end.

Red Alert 2 Yuris Revenge
May 8, 2006

"My brain is amazing! It's full of wrinkles, and... Uh... Wait... What am I trying to say?"

Looper posted:

glasses are insanely attractive, in this bespectacled goon's opinion

In fact, I'd say that not having glasses is, in fact, ugly.

Sorry two-eyes gamers

Raxivace
Sep 9, 2014

Lol if you don't have three eyes like Tien.

chumbler
Mar 28, 2010

Looper posted:

glasses are insanely attractive, in this bespectacled goon's opinion

I often wish I had reason to wear my glasses, but they are really only for reading for long periods and make things blurry at distance. Also I need to get the frame adjusted and nose pads replaced because they are rock hard at this point.

Cowcaster
Aug 7, 2002



do what i do, accept your ugliness and be dead inside

homeless snail
Mar 14, 2007

Cowcaster posted:

do what i do, accept your ugliness and be dead inside
lol if anyone itt owns a mirror

Help Im Alive
Nov 8, 2009

I only know what I look like from when my vita is on a black loading screen

chumbler
Mar 28, 2010

Cowcaster posted:

do what i do, accept your ugliness and be dead inside

Way ahead of you, buddy.

FirstAidKite
Nov 8, 2009

Cowcaster posted:

do what i do, accept your ugliness and be dead inside

That's me in the nutshell


there's a damned good reason I don't let people take photos of me to put online and why when I make costumes it is always something that will cover my face. Nobody needs to be exposed to this.

CharlieFoxtrot
Mar 27, 2007

organize digital employees



I thought the pendulum had swung around on this issue and the general popular perception is that glasses make you 10% more attractive, on top of people assuming you're more intelligent

Real hurthling!
Sep 11, 2001




Good luck fak.

Harrow
Jun 30, 2012

There is a massive gulf in personal comfort and confidence between bad glasses and good glasses. I felt awful about my appearance for a while but I got some new glasses a couple months ago and I loving love them. They're both more comfortable and look much better on my face than my old ones.

I'm not saying never do Lasik, of course, or that everyone will find glasses they like. But maybe go out glasses shopping and try on a bunch of frames, see if any of them click with her? She can also get free try-on frames through Warby Parker, which is cool because if their frames work for her they're much cheaper glasses than you can get at like LensCrafters or anything like that. It's worth exploring more options before jumping into laser surgery.

Skypie
Sep 28, 2008
Incidentally, I need glasses. If I close my left eye, I can't really read anything unless it's close with my right eye.

Also I really really really need to get checked for glaucoma. My dad was being checked for it before he died, and my brother has the early signs of it and has to take eyedrops

corn in the bible
Jun 5, 2004

Oh no oh god it's all true!

FirstAidKite posted:

I wanna ask a question here because I feel like maybe I'm being unreasonable here, or at least being stupid.

So KCB wants to get laser eye surgery and that's going to be somewhere around 4k minimum. We don't have that cash right now but she got approved for a credit card specifically for this eye surgery and she can afford the $300 down payment and, on top of that, the doctor is willing to overlook the downpayment and just tack that on to the rest of the bill. She says she really wants this right now because she feels ugly with her glasses and she has trouble getting her contacts in without them causing her trouble and she just feels terrible all the time because of her glasses.

I'm worried because I've heard from others that the post-op eyedrops are super expensive and, like I said, it's not money we have right now. Sure she has a credit card confirmed and a payment plan set up, but I feel like it would be better for her to wait a couple of months so that I can get my disability money backpay in which will hopefully be a large enough sum to cover any bills and hopefully her eye surgery. As it is, she believes she can handle paying the initial downpayment for the surgery, as well as covering the credit card debt which has 2 year 0% financing as long as she covers the minimum payments.

She also is planning to enroll in some online college courses and those are going to be several hundreds of dollars as well. I just feel like she would be better off waiting until september or whenever I'd get my backpay instead of putting herself into debt right now. I feel like... yeah, having the laser eye surgery would be nice, sure, but I feel like it's the kind of superfluous thing that she should be able to wait on and not have to rush into and it just seems like a lot of debt to be putting yourself into all at once by getting laser eye surgery as well as enrolling in online courses on top of wanting to make a trip to lancaster for a festival, a trip that'll cost around ~$150 to make most likely, and the potentially several hundreds of dollars the post-op eyedrops will cost, and taking care of the car to make sure it is in proper running condition and getting any repairs it needs, and with all of that stuff happening I feel like she should be able to hold off on the eye surgery for a couple of months until I can get my money so that I can just pay for her surgery entirely rather than having that debt hanging over us and requiring her to dish out extra month over the course of the months leading up to me getting my backpay.


Sorry for the wall of text. yeah this is the games chat thread, it's stupid for me to ask this here, but I want to ask because I feel like maybe I'm just being stupid about this whole thing. The decision is ultimately her's and I told her that I'll support her on whatever decision she makes, but I also told her my thoughts on why I think it'd be a bad idea and why I think waiting would be a good idea.

Do not go into debt for this especially since the surgery is elective so your insurance won't cover complications which there can be many of

LawfulWaffle
Mar 11, 2014

Well, that aligns with the vibes I was getting. Which was, like, "normal" kinda vibes.
I think $4k is a reasonable sum to replace your eyeballs with laser eyes. Who would dare question the cuteness of a laser-eyed goddess?

Realtalk though it's a bad idea. If you don't have insurance that will cover it or at least the eye drops, and you don't have a secure form of income right now, and your payment plan is going to stretch out for years, and it's because she doesn't like the way her glasses look (can't comment on contacts myself, could never bring myself to try them), then this is a bad idea. Go with her to a eyewear shop and help her pick out something that you both think looks good, then pay the extra money for the thin lenses or whatever she needs. Again, this helps if you have some sort of insurance but it's a lot better than making a decision that will permanently change her physically (my uncles reported increased sensitivity to light for years after their surgeries) but also strap you with debt for years. And who knows when you'll have a big expense that isn't cosmetic and need that open credit.

Now you can tell your fiance that you floated her idea by the Games Chat crew and that we had some reservations. Let us know how it goes.

Skypie
Sep 28, 2008
July Games Chat: Financial Advice Simulator

Hopper
Dec 28, 2004

BOOING! BOOING!
Grimey Drawer

homeless snail posted:

lol if anyone itt owns a mirror

Mirrors, are you mad? I make a point of only buying anti-glare displays and never turn on the lights while at the PC.

Hopper fucked around with this message at 17:07 on Jul 3, 2018

haveblue
Aug 15, 2005



Toilet Rascal
Get these glasses hth

chumbler
Mar 28, 2010

The only mirror a true gamer needs is Mirror's Edge.

CharlieFoxtrot
Mar 27, 2007

organize digital employees



Yeah it's tough because this is such a personal decision but then also 4000 is a lot of money. Like I would personally think "I could get a pair of really good glasses every year for a decade" on that.

I knew someone who got laser surgery, I told her that she looked great in glasses and she agreed, but her family had a history of degenerative eye disease and the surgery would also help from her going blind in old age, but if it were purely aesthetic she wouldn't have done it.

Back then I remembered reading an article that was in defense of glasses, I won't link to it now because two decades later it's kind of cringey "middle-aged dude talks about what he finds sexy" but it is still disheartening to see the desire for surgery based on negative self-esteem

Cowcaster
Aug 7, 2002



FirstAidKite posted:

That's me in the nutshell


there's a damned good reason I don't let people take photos of me to put online and why when I make costumes it is always something that will cover my face. Nobody needs to be exposed to this.

man i'm right there with you buddy (albeit i don't wear costumes) :smug::hf::madmax:

Samuringa
Mar 27, 2017

Best advice I was ever given?

"Ticker, you'll be a lot happier once you stop caring about the opinions of a culture that is beneath you."

I learned my worth, learned the places and people that matter.

Opened my eyes.

homeless snail posted:

lol if anyone itt owns a mirror

I think I only look in the mirror when shaving or when I feel something hurting on my face. Sometimes I'm on the bus and I look at my reflection on the window, going "Huh, so that's you."

Saint Freak
Apr 16, 2007

Regretting is an insult to oneself
Buglord

Cowcaster
Aug 7, 2002



ah, so you like to take "selfies"? good work dooming yourself to hell for vanity, sinner

Phantasium
Dec 27, 2012

Cowcaster posted:

ah, so you like to take "selfies"? good work dooming yourself to hell for vanity, sinner

not a fan of how edgy this MGS reboot is

FirstAidKite
Nov 8, 2009
I think if I could get away with it without looking like a criminal or drawing attention to myself, I'd definitely just wear a mask around when I go out

Just easier that way I guess

As far as KCB and the reason for the surgery goes, it's definitely a cosmetic thing but she also feels so distressed about wearing glasses that it feeds into her anxiety and depression and she ends up feeling worse because she doesn't like how she looks in glasses.


I hadn't even thought of getting her to go look at and try on different glasses though. I think she'll be reluctant to try that but I'll hopefully be able to convince her to at least..uh..try

haveblue
Aug 15, 2005



Toilet Rascal
Yeah, you should really try to find an option for addressing this that doesn't involve paying interest on $4K.

Cowcaster posted:

*psycho mantis voice* ah, so you like to take "selfies"?

Cowcaster
Aug 7, 2002



i will say a new pair of eyeglasses can be pretty expensive too, but nowhere in the range of 4 grand expensive

Phantasium
Dec 27, 2012

I bought my current glasses from website 39dollarglasses.com

Harrow
Jun 30, 2012

FirstAidKite posted:

I hadn't even thought of getting her to go look at and try on different glasses though. I think she'll be reluctant to try that but I'll hopefully be able to convince her to at least..uh..try

You could start with a Warby Parker at-home try on box. They're free. You pick five frames and they send them to you, and you just send them back within a week. You can do that over and over and keep trying frames. That way she can try them without having to go to a store or deal with salespeople. Plus their glasses are quite cheap if it turns out they have a frame that she likes.

Cowcaster
Aug 7, 2002



man all my life i've been paying like $250 for frames plus another $180 or so for lenses what the hell happened

FirstAidKite
Nov 8, 2009
Though to clarify, she said there there is no interest on the credit until after the 2 years are up or she misses a payment, so that is part of her argument on why she should be able to cover this smoothly and then she can just make payments on time until my disability money comes in at which point I can pay off the rest


I just feel like maybe I'm being bad here because this is something she wants and I'm raining on her parade by saying "this doesn't sound like the brightest idea"

mutata
Mar 1, 2003

Doorknob Slobber
Sep 10, 2006

by Fluffdaddy
are contacts not an option?

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homeless snail
Mar 14, 2007

Cowcaster posted:

man all my life i've been paying like $250 for frames plus another $180 or so for lenses what the hell happened
at this point spending that kind of money gets you glasses with an embedded augmented reality display

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