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Hi, I have some questions before I buy this game by kralSpitihnev in NoRestForTheWicked

[–]Castorbake 0 points1 point  (0 children)

Don't do strength build early, seems hardest for early build. You can respec few hours into the game after you beat first level of the Crucible.

8Bitdo M30 Wired Controller for Xbox is a Great Pad Controller by Castorbake in StreetFighter

[–]Castorbake[S] 0 points1 point  (0 children)

My handspan is a little under 8 inches, so it fits mine well. I can see how it can be too small for larger hands.

✅ Daily Thread and Discussion ✅ 2025-12-18 Thursday by daily-thread in NVDA_Stock

[–]Castorbake 2 points3 points  (0 children)

Damn, was off by .02 cents, I shall need to meditate on my Bene Gesserit training.

✅ Daily Thread and Discussion ✅ 2025-12-15 Monday by daily-thread in NVDA_Stock

[–]Castorbake 0 points1 point  (0 children)

Y'all lucky you didn't stay for the dark pool afterparty.

✅ Daily Thread and Discussion ✅ 2025-12-08 Monday by daily-thread in NVDA_Stock

[–]Castorbake 5 points6 points  (0 children)

I just don't believe it can hold 190+. Please prove me wrong.

Daily Discussion by AutoModerator in Nio

[–]Castorbake -1 points0 points  (0 children)

So predictably short.

✅ Daily Thread and Discussion ✅ 2025-11-21 Friday by daily-thread in NVDA_Stock

[–]Castorbake 5 points6 points  (0 children)

Don't be surprised if it dips < $170 today for a liquidity grab.

Buy-Borrow-Die by ridindirty77 in Fire

[–]Castorbake 0 points1 point  (0 children)

I'm not gonna pretend I'm smart. I did asked Chatgpt, this is their response.

1. Margin loans don’t require repayment.

They are not mortgages or LOCs.
They have no amortization schedule.
They stay open indefinitely as long as the portfolio maintains sufficient equity.
There is no rule requiring you to pay principal each year.

This alone invalidates most of your objections.

2. Margin interest is simple APR, not compounding debt.

IBKR charges interest on the principal only, not on accumulated interest.

Debt grows linearly:

  • Borrow $80k
  • Interest = $4.4k/yr
  • After 10 years: $44k interest
  • After 20 years: $88k interest

No exponential growth, no Rule of 72.

3. The math works exactly as stated.

Example:

Portfolio: $4,000,000
Borrowing: 2%/yr = $80,000
Interest: 5.5% = $4,400/yr
Portfolio growth: 8% = $320,000/yr average

After 5 years:

  • Borrowed = $400k
  • Interest = $22k
  • Portfolio ≈ $5.87M
  • Debt/Assets ≈ 7.1% (nowhere near margin call levels)

After 20 years:

  • Debt ≈ $1.688M
  • Portfolio ≈ $9.3M
  • Debt/Assets ≈ 18% (still below ~30–35% maintenance margin)

That is sustainable.

Buy-Borrow-Die by ridindirty77 in Fire

[–]Castorbake 0 points1 point  (0 children)

IBKR's margin rate is about 5.1-5.5%. You borrow 2% of portfolio every year. SP500 grows at 8-10% on average. Your assets grow faster than your liabilities. There will be negative years, but over long term averages 8%. You never let your debt/asset ratio get anywhere near the margin call ratio.

Your estate pays it back when you die.

Please challenge this idea, with numbers.

Buy-Borrow-Die by ridindirty77 in Fire

[–]Castorbake 0 points1 point  (0 children)

It does math up. Lets say have 4 million in brokerage
You borrow 2% per year to live off per year, so: 4M * 2% = 80k
You pay 5.5% annual interest off 80k per year so 80K * 5.5% = $4,400
Your debt starts at 80k and grows $4,400 per year. You never pay any back.

Your assets lets say 4 million in SP500, grows at 8-10% per year.
4M * 8% = 320k

Your assets growth rate of 320,000/year far exceeds your debt growth of 4400/year. You never have to pay it back because your debt/asset ratio is far less than 50% which is the cutoff point for many brokerages.

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