| Board List | Page List: 1, 2 |
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| Topic | I'm obsessed with tea |
| blu 07/04/20 9:50:20 PM #355 | I usually just to milk and early grey with a bit of vanilla. A London fog. |
| Topic | PS5, coming out this year! I'm thinking of going all digital for my video games. |
| blu 12/31/19 8:08:05 AM #1 | I've always been a strong physical person for three reasons. 1) You get games cheaper. 2) You can sell games after for more money and buy them back for just a few bucks years later. 3) I like physical media. But I realize I get about 50 games in a generation (and about 15 for whatever nintendo's console is). PSX, PS2, PS3, PS4. It's really adding up. I don't want to have to store and lug around hundreds of video game for my entire life. I've gotten to a point where if sony decides to completely shut off their service, I'd be fine with my games being lost because I am viewing them more as a consumable whose whose quality is partially based on the time it was made (because games expand upon other games and copy popular mechanics and refine genres). Though I do love going back and playing old SNES games, I see how modern games have added upon the formula. I've noticed my time has also been going to more collecting. For all media it takes up time to research, organize, arrange, and acquire and that more time gets put into collecting than actually using what I bought these days. I'd rather go deeper into less, and I feel digital can help me with that. I actually bought a digital photo frame and am displaying my favorite scenes from games and game covers since I boxed up my physical collection as I 'adjust' to not having physical media around. I do feel emotional getting rid of physical media, but buying physical doesn't seem like it'll be a sustainable practice for me unless I pay for more space to store things I no longer use. Some things I go back to, but that's easily repurchase-able. |
| Topic | What should I play first? Witcher 3 or Divinity Original Sin 2? |
| blu 12/29/19 5:07:06 PM #1 | All DLC included.
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| Topic | What is your net worth? |
| blu 12/29/19 5:02:34 PM #11 | Judgmenl posted... $100k is lowballing my net worth. Good job man. You index investing most of that? |
| Topic | You are given $1,000,000 plus |
| blu 12/29/19 12:00:30 PM #40 | mooreandrew58 posted... Pass. Ive done the math before and figures out I couldnt comfortably live the rest of my life off a million dollars (especially when you consider medical expenses as you get old) and id surely lose my job taking that much time off. My job doesnt pay great but if I stick with it I'll be able to retire by 60. Coulda been 51 had i started as soon as I was old enough Couldn't find a new job for a million bucks? |
| Topic | You are given $1,000,000 plus |
| blu 12/29/19 12:00:08 PM #39 | wolfy42 posted... even at 10% 10% is what you can expect. 12% is a myth. That 10% comes 7% real after inflation. That 7% become a 4% withdrawal rate factoring in the downs of the stock market. But basically it lets you live on 40k a year (and then 15% tax on that), and if you live on less then it'll grow. Oh, that also assumes you aren't taxed on the million. If you're taxed you're getting closer to 650k, meaning 4% withdrawal is a bit under 30k safe withdrawal rate. |
| Topic | What is your net worth? |
| blu 12/29/19 11:38:20 AM #1 | What is your net worth?
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| Topic | Disney's Girls can be anything, as long as it's capitalist. |
| blu 12/26/19 9:45:50 PM #1 | Saw this in a movie review. Im it sure what it means by capitalist. Was watching a movie about Ana Kendrick becoming Santa Claus. "This movie is kind of the height of Disneys girls can be anything, just so long as its capitalist! approach to storytelling in the 2010s. |
| Topic | Which job would you take of these? |
| blu 12/24/19 12:23:49 PM #11 | Judgmenl posted... This. The only "stress" I have is actually believing the BS about deadlines. Deadlines mean literally nothing to workers, as management is held accountable for not meeting the status updates they relay to upper management. Yeah, almost all of the stress from office jobs is artificial. Management most likely wont give you anything other than shaming and awkward conversations and at worst make you work over a weekend or be fired, but overall its artificial. |
| Topic | Which job would you take of these? |
| blu 12/24/19 11:23:56 AM #1 | One or two?
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| Topic | I hate grinding. |
| blu 12/23/19 10:03:51 PM #1 | Its a crappy mechanic. idk why its so utilized in games and so popular. |
| Topic | I've been trying to get into roguelikes but always feel like I'm... |
| blu 12/17/19 8:00:07 AM #29 | Thanks guys. I am playing through a few recommendations now and looked into all of them. |
| Topic | I've been trying to get into roguelikes but always feel like I'm... |
| blu 12/14/19 4:14:28 PM #1 | Reinventing the wheel at the beginning of every game. And that he game is unfair and luck based commonly, and being unlikely to beat the game because you have low stats and need to grind some stats to improve is silly. like I Ill replay Super Mario World or Mega Man X or death smiles many times and it doesnt feel repetitive, but most roguelikes feel kinda grindy and luck based (partially, I know theres skill too but FTL did feel like it had a lot of luck in events, though not if you won or lost overall). Anyways, what are your favorite roguelikes you recommend? i do sorta like dead cells and FTL. Not a fan of shovel knight or rogue legacy. I do have a affinity for more popular titles with a bigger fanbase or current community even if game is single player. Kinda excited for slay the spire to release on iOS but theres a big heaping pile of junk roguelike card games Ive played recently so am worried it wont live to the hype. |
| Topic | It seems things are becoming more about the hardware/specs than the content/use |
| blu 12/09/19 9:59:20 PM #1 | these days. Among all crowds. |
| Topic | Anyone here play video games on a large TV? Any notice of motion sickness increa |
| blu 12/06/19 8:42:57 PM #1 | se? I've never had motion sickness from normal video games before, but switching from a 43" to a 65" I've noticed some motion sickness when playing God of War. |
| Topic | Has anyone heard of financial independence? |
| blu 12/01/19 4:43:48 PM #21 | LinkPizza posted... Except without a high income, it justbsounds like a normal retirement like adjl said... You being able to reach it (and so soon) sounds like it is attributed to your high income. And many people (if in your situation instead of their own) could probably reach it much easier. Not necessarily a normal retirement. Normal retirement is 60-65, even retiring at 50 is shaving 10-15 years off your working life. A normal income for a college graduate can retire mid-40's, shaving 20ish years off their career. Yes, that is the process of becoming a hygienist. They have to supply their own patients for board. The ones I know had backup patients in case their main patient didn't show. If worst comes to worse and they prepared well and if a main and backup patient doesn't show...they can take the exams again next year. There's over a 90% passing rate for the exam. Pretending passing was completely random and you didn't pass two years in a row, you're in the bottom 1th percentile of luck. Third time, bottom 0.1th percentile of luck. Jen0125 posted... He's also acting like no one has student loans that take a huge chunk of their income. If you dont have student loans, dont get high amounts of student loans. Going to a school you think is flashy isnt better than getting a car you think is flashy. Especially when you dont have a plan to pay for what youre buying. There are many schools with tuition 3k and under a semester in the midwestmove there for a year and become a resident. So many unclaimed scholarships exist simply because nobody applies to them, apply. Not everyone can, but anyone can. I could completely restart and go back to college, and I wouldnt graduate with much/any student debt because I spent time trying to understand how to do it cheaply. If you already have student loans and didnt think about choosing a higher paying occupation while racking them up, it sucks that some schools are predatory and charge so much. But right out of college just continue living like you did in college, one or two roommates and not buying luxury purchases. Enjoy your life, just pay attention to what you consume (live like you did in college, get a roommate if needed) and it should be paid off in 2-3 years if you live frugally. Even when I made 50k for two years I invested 25k a year, enough to pay off 50k of student loans. Though you should still consider investing even when you have student loans. What you make off your investments will likely be more than what you'd be paying extra on student loans. |
| Topic | Screen size or quality, what do you choose for the next 8 years? |
| blu 12/01/19 10:40:49 AM #1 | Size or quality. Keeping this for the next 8 years.
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| Topic | Has anyone heard of financial independence? |
| blu 12/01/19 8:56:24 AM #14 | LinkPizza posted... Just wanting it isnt enough. For example, you got lucky landing your job. Not everybody who wants it will get it. There could have been people who wanted it more than you that you didnt know about, for instance. But I'm not capable of FI because of my high income, but it does bring the date closer. I'm capable because of frugal habits and would arrive at FI ten years later if I didn't have a high income because compounding would take care of the work instead of direct investing. I would say I got a high income job because I optimized for it. Googled "highest paying college majors" and chose two to pursue that looked the most interesting. Then Googled "highest paying jobs" and "highest paying graduate degrees" within those college majors and chose what looked like I'd enjoy the most and had the highest income for someone who was around 25th percentile (so even being below average I'd be high income). Spent time reading books about interview skills and social skills and practicing them (which was a really difficult transformation for me as the painfully shy and unsocial person I was in undergrad). I'd say I was conscious of luck affecting income and attempted to minimize the role that luck plays at each step. LinkPizza posted... Not to mention, life can shot on you at any moment. Like expensive hospital bills, paying for some kind of accident, or even deaths on a family. Those are a few costly things that could happen to anybody. Someone could be on track to get that passive income, the. Have too many bills piling up where they have to pay and cant really afford to do anything about it anymore. This is definitely a possibility. Some people have just bad things happen that are out of their control. FI not something that any individual can do, but a huge amount of individuals are capable of it if they would individually like to pursue it. A BS holder reasonably makes 60k, if they can invest 20k a year (pre-tax) then they could have a passive income of 40k in 22 years, mid-40's if they got a job right out of college. Combining shared expenses and dual incomes (and even having a kid) into this, you need about 15 years for a normal married couple each holding a BS and contributing 20k to hit about the inflation-adjusted median household income in the US. And that's without really optimizing for increased income, just being the average person going to college. A cashier won't be able to FI, but there usually isn't anything stopping the cashier from going and getting a better job, even a well paying AS. |
| Topic | Has anyone heard of financial independence? |
| blu 11/30/19 5:41:22 PM #12 | LinkPizza posted... blu posted...adjl posted...Isn't this just plain old retirement planning? The basic concept of investing money until you can live off of the RoI without needing to work is nothing particularly new. IT is a low age, but I feel if someone cared about it then it's achievable for most people, even on a teachers salary. You just have to want it and make a few choices towards it. Since we moved out of state my gf is getting better with the control thing, but I think that's only because we moved out of state. Her dad makes like 300k and borrows money from her making 30k, so her parents aren't doing well. Her mom spends like 20k a year on itunes though, so no chance they'll ever get money from me. Korruptor posted... Invest into property. Yeah, after maxing out both of my retirement accounts I have 30k leftover for investments right now. I am considering just an index fund, but property would be nice to get into because it's the only real leverage teh normal person has access to. |
| Topic | Has anyone heard of financial independence? |
| blu 11/29/19 4:39:49 PM #7 | adjl posted... Isn't this just plain old retirement planning? The basic concept of investing money until you can live off of the RoI without needing to work is nothing particularly new. Pretty much. But taken to an extreme so you hit retirement in your 30s instead of 60s. |
| Topic | Has anyone heard of financial independence? |
| blu 11/29/19 4:13:53 PM #4 | LinkPizza posted... I guess it works for some. Though, you have to have a good enough job to do it. Not everyone has a job like yours where they make 140K-200K. And definitely not right out of school for most. And depending on where they live, most of their money might go to other more important things. Not to mention some dont like living frugal if there is no reason to. Less of a humble brag and more of an update (why I said about my part) and wanting to let people here know this idea is out there and seeing if any PotDers are also FIers. I hate my days and schedule, it's not enviable. I've never heard of FI before a year ago and it really changed how I think about things. I mean even coming straight out of high school and doing a well paying associates like dental hygiene, a person would hit 30k about the same time as me because they had more time for compounding while I was in school. You're right definitely not for people who don't want to live below their means. If someone has really high means they could still live on a lot and save a lot until their passive income hit 100k (or higher, it grows exponentially). It's typically known as fatFIRE. I expect it to take about 7 years for me to hit 30k assuming I don't get any raises. But if I keep working I'd hitting 60k will take another 5 years, and 120k passive will take about another 5 years. Or if I stop working at 30k and just support myself with a part time job or something it'll take 10 more years for 60k if I just sit and let it compound. Ballpark numbers. |
| Topic | Has anyone heard of financial independence? |
| blu 11/29/19 3:47:01 PM #1 | The concept of your passive income is enough to pay for your lifestyle. In July I got that high paying job I've been talking about for the past few years (140k right out of school, hoping to get to 200k within the next two years). And really, it's just not for me. I loved school, residency was alright, but I strongly dislike work. I basically wanted a way out, and found out about early retirement through Mr. Money Mustache and the Mad Fientist. It basically boils down to just having a high savings rate and putting money into something that makes you money. Most of the community likes low cost index funds like VTSAX because they are completely passive and you can withdraw 4% a year without touching the principal most of the time. Basically an index puts your funds into many companies, like VTSAX holds over 3000 in it now. Anyways, I put 52k in low cost index funds this year, so that gives me like a 2k passive income. Hoping to do 80k next year (an additional 3k passive income) and any salary raises I get will go to that. Hoping when I get a passive income of 30k (I typically live on less) I can "retire" which most likely means working temp jobs for a few months a year and hopefully not touching my passive income, but we'll see. But anyways, even on an income of maybe 60k, the math still works out so you can retire early if you live frugally. Like not in your 30's, but definitely in your 40's. Honestly living on less than 30k and I feel like I am living like a king in my luxury apartment with my musical instruments, board games, and eating out at happy hours. Just wish I could move back to Utah and be with my friends and family instead of moving a couple more times with this job. https://www.mrmoneymustache.com/wp-content/uploads/2012/01/mmm-early-retirement-savings-rate.png https://www.mrmoneymustache.com/2012/01/13/the-shockingly-simple-math-behind-early-retirement/ |
| Topic | What expensive things do you own? |
| blu 11/29/19 3:40:03 PM #1 | Sold my $3000 electric PRS guitar because my $300 electric LTD is better. Sounds better. More versatile. Less pretty though. I'm finding "you get what you pay for" to be a myth these days, with better manufacturing processes. Really that guitar was the only expensive item I really own. I can't think of anything else other than my car (18k used, I felt I overspent but it'll last me and I know the full history) and mattress that costs over $1000. Even at $500 that limits me to two kickstarter board games w/expansions/accessories that haven't came in the mail yet, digital piano, macbook, iphone, and acoustic Martin guitar. Getting down to $200 I have a few things: iPad, three kickstarter board games, a full set of bleach and naruto manga, two bookshelves if you include tax, apple watch, PSVR. I feel like I own too much stuff and am trying to get rid of it. Idk, I want to have things but having things stresses me out. It's a neverending battle. |
| Topic | the ending of wizards of waverly place is stupid |
| blu 11/29/19 3:29:44 PM #5 | DirtBasedSoap posted... that entire show is stupid |
| Topic | So I got a PSVR. Just played through Batman but it's super fun. |
| blu 11/29/19 3:29:02 PM #12 | wwinterj25 posted... blu posted...I don't know why being worried it won't have enough games coming out for it indicates research wasn't done. PotD is so hostile. Won't --> will not --> "expressing the future tense" + "negative of auxiliary verb 'be'" I'm just being a jerk now. I just hope this system gets good games. |
| Topic | Why are people so smug and bitter about Apple? |
| blu 11/29/19 9:26:24 AM #13 | GreenKnight127 posted... He literally didn't invent anything, but forced other people to invent things for him to show off and take all the credit for. That's the role of a CEO. He didn't invent anything, but without him nothing would've been possible. BUMPED2002 posted... All they care about is using cheap labor in poor countries to make an iProduct that costs pennies on the dollars to make then they ship back to the US and sell those products for an arm and a leg. That's all of tech. BUMPED2002 posted... Apple lacks any creative initiative. Some people are good at creating new ideas. Some people are good at using old ideas and making them better. They stand on the shoulders of giants. |
| Topic | So I got a PSVR. Just played through Batman but it's super fun. |
| blu 11/29/19 9:20:39 AM #8 | wwinterj25 posted... 1. You should do research before buying things. I don't know why being worried it won't have enough games coming out for it indicates research wasn't done. PotD is so hostile. Mead posted... Moss Super excited for this one. Krazy_Kirby posted... the far from home demo/trial thing lets you websling Downloading now. Wish there was more full game experiences like Skyrim and Borderlands. These demos are fun but idk. DPsx7 posted... More? There's a ton of games. RE7 is a must. Also enjoyed Battlezone, Rush of Blood, Trover, Carnival Games, Moss, Rez, both Astrobot games, a few digital games like Thumper and Headmaster, and have plenty more to go. I didn't realize there was two astrobots! RE7 I was excited for but after playing Batman I don't think I can handle RE7 in VR, just non-VR. I looked through the list and there's a few games that look super fun, didn't realize Space Pirate was on VR. I guess I just like more full-length experiences, but it seems VR is going that way. |
| Topic | Is college worth it |
| blu 11/28/19 6:41:44 PM #7 | Yeah. Look at college in the midwest. You can go to a local state university and pay like 3k a semester. Living in the northeast now and I'm surprised how everything is like 15-30k a year. |
| Topic | So I got a PSVR. Just played through Batman but it's super fun. |
| blu 11/28/19 6:31:28 PM #1 | Suffers from everything VR typically suffers from, but it's still a great experience. Am worried there won't be enough games for it or that it's just a pain to have the VR system around the house. |
| Topic | Games just seem to be missing the fun factor these days. |
| blu 11/16/19 8:00:14 PM #26 | There are definitely trends through years with many shades but not really hard lines. I enjoyed the new Spider-Man and Tomb Raider along with HZD, but thats the majority of my enjoyment for this gen even though I have many games. Debating on the new Star Wars but the Souls comparison turns me off. |
| Topic | Tomb Raider (reboot), Mass Effect, and Dark Souls combined... |
| blu 11/16/19 7:00:25 AM #10 | This game I was excited for, but the dark souls comparisons turn me off. It is Spider-Man, Horizon Zero Dawn, bloodborne levels good? |
| Topic | Games just seem to be missing the fun factor these days. |
| blu 11/15/19 8:45:44 PM #1 | The kind ratchet and clank has. As I type this out, I feel like Im turning into an old man. |
| Topic | Any games that are more adventurish that have epic bosses? |
| blu 10/27/19 7:55:00 AM #1 | Kinda like SotC, but maybe more of an action RPG, but not really a western RPG. |
| Topic | Is there a name for all of these internet and programming sayings? |
| blu 09/15/19 7:46:58 PM #10 | captpackrat posted... Adage? Possibly? They certainly fall under adages. Thanks! |
| Topic | Is there a name for all of these internet and programming sayings? |
| blu 09/15/19 10:45:23 AM #1 | Like that includes Murphy's law, campbell's law, KISS (keep it simple stupid), hydra effect, occam's razor? |
| Topic | Sword Art Online is my favorite anime because of the beautiful women |
| blu 09/02/19 7:16:09 PM #10 | I like SAO and beautiful women also. What other anime would you recommend TC? |
| Topic | I'm both excited and annoyed for Link's Awakening |
| blu 09/02/19 7:15:39 PM #1 | Don't really want to buy a game that's 25 years old but also it does look kinda cool. |
| Topic | What are some characters in media who do awesome long-term planning? |
| blu 08/16/19 7:33:35 AM #1 | Spoilers listed as (name of character) from (show). Tugging on the strings to make events play out? If it's somewhat of a cat-and-mouse story it's a plus but not necessary. |
| Topic | I was so productive in school, less in residency, and now at work even less. |
| blu 08/04/19 12:55:12 PM #1 | Schedules suck. I am amazing from 5 AM to 11 AM, and okay from 11 AM to 1 PM, then am barely productive after 1PM. Nothing of quality gets produced after 3 PM. Forcing me to work 8 AM to 7 PM five days a week isn't using me right. Also, I use a lot of productivity techniques like Pomodoro and they work for me when doing menial tasks and have long interrupted periods for deeper tasks. When I have to answer my phone or a colleagues' phone 20-30 times a day, I can't do anything but small routine tasks. I think I'm either going to start doing locums in a few years and get some free time, or find a career where I can work on a better schedule and preferably have some days of the week at home. Anyone in a job like this? |
| Topic | Republican says he was FIRED by GOOGLE cause he Hated DIVERSITY HIRING!!! |
| blu 08/04/19 12:48:50 PM #22 | Do what's best for the team, and that's diversity hiring. People are pretty damn equal when going through a stack of resumes and interviews. Hiring the one who struggled more to get to his position is a valid way of choosing an employee all things being equal. |
| Topic | Moving is stressful |
| blu 07/06/19 10:39:47 AM #41 | Penn gave me 10k moving expenses which was partially used to hire movers and packers. Moving was still stressful. Left Friday, got here Monday. Stuff came Tuesday. House still full of boxes because I need to decide if I want to buy 5-6 $30 pressboard bookshelves from Walmart or 5 $150 pins bookshelves from ikea. Then going for health screenings, new vaccines, orientations, trying to get to know the city and explore a bit, registering a new car, getting a new drivers license to register the car, finding a gym, and studying for board exams that happen in a month. |
| Topic | Anyone else getting annoyed with all these STEM advertisements? |
| blu 07/06/19 10:35:16 AM #1 | Why do we need advertising for this? Trying to get the studentry to do STEM makes it feel like were teaching STEM people are better people and better for society than non-STEM people. The egos of STEM majors when I left undergrad four years ago were high, cant imagine what they are now. |
| Topic | Car loans are so dumb. |
| blu 06/22/19 8:46:13 PM #33 | Zangulus posted... blu posted...Zangulus posted...blu posted...I was debating on a 2017 camry that was 3k less with 10k more miles without a CPO warranty. But I kinda wanted the 2018 since they redesigned it and the warranty was some peace of mind. Wow, good job. What tips do you have while looking? |
| Topic | Car loans are so dumb. |
| blu 06/22/19 7:29:12 AM #29 | Zangulus posted... blu posted...I was debating on a 2017 camry that was 3k less with 10k more miles without a CPO warranty. But I kinda wanted the 2018 since they redesigned it and the warranty was some peace of mind. I couldve got the 2018 Camry for 16k? Thats pretty far below kelly blue book and also truecar |
| Topic | Car loans are so dumb. |
| blu 06/21/19 9:05:54 PM #24 | I was debating on a 2017 camry that was 3k less with 10k more miles without a CPO warranty. But I kinda wanted the 2018 since they redesigned it and the warranty was some peace of mind. I could've got an even older one for less, but I was worried I'd buy something somebody mistreated. |
| Topic | Car loans are so dumb. |
| blu 06/21/19 8:01:41 PM #20 | Zangulus posted... Also, how much of a discount? I worked mine to a 17% discount or so. But after taxes, fees, and an extended warranty I ended up paying sticker. I paid $200 under sticker after fees not including tax. No extra warranties besides the CPO and the basic. Really it was the best deal for the car within 500 miles by a decent amount so it wasn't going to go much lower. Zangulus posted... 7%? You got fucked. Especially if you have good credit. Yeah I did, and they wouldn't offer me below a 72 month loan, but I didn't push it either since I was paying it all off first payment. I have a score around 730-780 depending on the month. >_< |
| Topic | Car loans are so dumb. |
| blu 06/21/19 10:01:01 AM #1 | Paid off my loan in full today, the first day I could. The dealer gave me a small discount for taking a loan over doing cash. In the two weeks I've had my car I already have around $50 in interest extra to pay. Every day adds $3.08 more to what I pay on my 72-month loan (I knew I'd pay it off so I told the guy just to give me the lowest APR he could, it was like 7% which is ridiculous but he probably didn't put effort into it since I said I was paying it off and was getting a discount.) The average auto loan lasts 68 months for people. The average loan is around 30k. That's like a year salary for most people. I already feel bad paying 19k for my 2018 CPO Camry with 13k miles when I'm making 140k. I got a new credit card before paying 3k at the dealer so I could get some new-sign-up-bonus rewards. Can't imagine what a college loan payment must be for those people who decided to go to out-of-state schools. |
| Topic | What jobs are there that don't require much work? |
| blu 06/21/19 9:54:32 AM #2 | The higher you climb the less work you do. Then one more promotion and you're doing 60 hour weeks. |
| Topic | What if you're on the bachelorette and you don't like the woman? |
| blu 06/17/19 11:01:06 PM #5 | Are these guys virgins? They act like it. |
| Topic | What if you're on the bachelorette and you don't like the woman? |
| blu 06/17/19 10:16:56 PM #1 | Like how are all these guys crushing on her? Why doesnt it take them time to fall in love? How does the show find all these guys who are so quick to be lovestruck? |
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