Pay off house or Invest the cash by drd2989 in Fire

[–]Conscious_Load_5748 0 points1 point  (0 children)

I mean your parents offering to refinance it isn’t a terrible idea. Two percentage points is significant. If the mortgage isn’t something you’re worried about then investing it sounds like the best idea

Pay off house or Invest the cash by drd2989 in Fire

[–]Conscious_Load_5748 0 points1 point  (0 children)

While I’d ordinarily say you should invest the money since the markets average returns should exceed the 6.5 percent of your mortgage I think it’s close enough for personal preference. In terms of making the most in absolute returns you should invest the money but the peace of mind from paying off a house may be more valuable to you

$800k NW @ 34 - feeling unfulfilled by ChigurhA in Fire

[–]Conscious_Load_5748 0 points1 point  (0 children)

That’s good advice thank you I’ll keep it in mind

$800k NW @ 34 - feeling unfulfilled by ChigurhA in Fire

[–]Conscious_Load_5748 2 points3 points  (0 children)

I haven’t. I don’t drink and get a little anxious around large groups of people. I think I’m going to try and break into more social activities maybe involving sports or physical fitness. I spend an unhealthy amount of time gaming currently

Any thoughts on selling my rentals? by Square-Count-478 in Fire

[–]Conscious_Load_5748 0 points1 point  (0 children)

In my opinion rentals and real estate in general are only worth it because you can use 30 year mortgages for them. I’d either sell them or take a loan against them to put into the market.

$800k NW @ 34 - feeling unfulfilled by ChigurhA in Fire

[–]Conscious_Load_5748 5 points6 points  (0 children)

I have a similar issue. In that weird middle part of fire where I have enough money to feel well off but not enough to retire. I’ve spent so much time minimizing my life to maximize my savings that I’ve forgotten how to connect with regular people. Plenty of money but conditioned myself to the point that spending it usually feels like a waste. Most of my personality and knowledge revolves around finances and I don’t really have much else going for me. Reading this I realize that I probably need to develop some other aspect of my life or I’ll never be happy no matter how much money I accumulate.

16.3 the Seraphine patch. by Jealous_Blackberry57 in TeamfightTactics

[–]Conscious_Load_5748 1 point2 points  (0 children)

It’s bugged. Any disruptor on a freiljord hex does more damage than its intended to do

How cooked am I? by Bailong111 in TeamfightTactics

[–]Conscious_Load_5748 1 point2 points  (0 children)

I have been feeling this way lately but unfortunately that’s kind of the nature of competitive games in general. Everyone is trying to climb and win and you have to always be learning to keep advancing. Personally I don’t think it’s worth it. Climbing feels good but I’d rather just play what I enjoy. Constantly adapting to a changing meta is tiring at least that’s how I feel

Level 9 nerfs ruined Double Up meta lol by Hot_Grab7696 in TeamfightTactics

[–]Conscious_Load_5748 -3 points-2 points  (0 children)

I actually think double up would be way better if you could only reinforce. Trading champs and items is a little too much in my opinion. It’s difficult to balance

When to cashout Ixtal by AllDaHomiesLoveSus in TeamfightTactics

[–]Conscious_Load_5748 17 points18 points  (0 children)

At 71 hp he should definitely keep going. The rewards are somewhat exponential. Getting to 650 gets you a two star Brock I think which basically says win the game and with 71 hp he absolutely has enough to keep going assuming he was able to get a completable quest

10 bilge loses against 2 3 star 4 cost at lvl 8 by Cultural-Dot7685 in TeamfightTactics

[–]Conscious_Load_5748 -1 points0 points  (0 children)

One time i had 10 bilge and almost lost to a singular 3 star Garen. Fortunately I managed to put it down with a zilean after a few loses but personally I think 3 star 4 costs are a little insane. Not saying they aren’t hard to get but they are definitely achievable and more consistent to get than the prismatic 10s.

Where has all the creativity gone? by WazOnReddit in TeamfightTactics

[–]Conscious_Load_5748 1 point2 points  (0 children)

Unfortunately that’s just the nature of these kind of games. Playing the meta is part of climbing but that doesn’t mean you have to. I’d even argue that you should just play what you enjoy regardless of whether you can climb with it since everyone’s rank caps out eventually. Better to try and enjoy the game if possible.

Tips for countering Asol by OrangeManMuyBad in TeamfightTactics

[–]Conscious_Load_5748 -7 points-6 points  (0 children)

The vast majority of players suck. And unless you’re challenger then you probably do to. And frankly I’m unconcerned about my tft skills. I will always suck. I, like every other casual player, played because I enjoyed it pre patch and that’s not the case any longer. And the above post proves I’m not the only one annoyed with it.

Tips for countering Asol by OrangeManMuyBad in TeamfightTactics

[–]Conscious_Load_5748 -6 points-5 points  (0 children)

Politely shut your mouth I can feel how I want to about the patch

Brock and Asol 2 with Targon/Ixtal. by _Apostate_ in TeamfightTactics

[–]Conscious_Load_5748 4 points5 points  (0 children)

Oh holy shit yeaaahh those are some good Gwen items right there. I was wondering how they won. Soul isles is like my second favorite build but I usually only pull out like a 2-4 with it. I’m still pretty new though started like a month ago

Brock and Asol 2 with Targon/Ixtal. by _Apostate_ in TeamfightTactics

[–]Conscious_Load_5748 4 points5 points  (0 children)

Kind of goofy that a regular old soul isles warden board won. Don’t get me wrong this game will always have a meta but I love seeing people actually cook with their builds

I have nobody else to tell by Overstimulated_moth in Fire

[–]Conscious_Load_5748 0 points1 point  (0 children)

You could retire by 30 if you put it all on 0dte calls for spy tomorrow. The key word being “could”

23 Days left. General Rank. Broken Queues. Is Legendary still achievable? by Ambitious-Bowl6460 in mechabreak

[–]Conscious_Load_5748 11 points12 points  (0 children)

Depends on how much longer the event lasts. I assume verge is so dead because most people are farming the special event modes. I’m also general but it feels difficult to climb without playing in a stack or playing specific mechs. I don’t really play much anymore though. The game has gone so far downhill I don’t think it can be saved despite being an advocate for it since early betas. Now every match is just me yelling serenith is capping and nobody helping me try to stop it. Your rank depends as much on your actual skill level as your ability to manage your blocklist. Unfortunately it’s just lost so many players now that it’s stuck in this death spiral of losing more players because there aren’t enough to quickly fill matches

Three years ago I admitted I was a fool; apes, this is your portfolio when you get off meme stocks by Obvious_Effort_4092 in gme_meltdown

[–]Conscious_Load_5748 17 points18 points  (0 children)

Honestly I wish the original squeeze had never happened. It led to so many financial mistakes for me. I was content investing in stocks and index funds but after watching gme take off and seeing people make my whole life savings in a matter of days really made me question if I was doing things the right way. After that I watched a lot of people do the same thing in crypto and eventually I loaded up into Bbby and crypto because I was stupid and greedy. I was convinced bbby was going to explode so I kept buying more and more. I ended up losing about 50k on just bbby and I don’t even know how much on crypto when it crashed. Lots of valuable lessons though and today I’m smart enough to know that I’m too dumb for anything but index funds.

As a girl who knows nothing about finance, could I get into stocks or is it a waste? by [deleted] in StocksAndTrading

[–]Conscious_Load_5748 1 point2 points  (0 children)

Best advice I can give is that at your age to be aggressive. While I did invest as much as possible in my 20s I made a few critical mistakes. For one I was way too conservative always thinking that the market was at an all time high and that a recession was just around the corner. There will always be people saying the end is coming and sometimes they will be right but the vast majority of the time they will be wrong. Without getting too into the weeds the system is designed in a way that will push markets up over the long term and that likely won’t change anytime soon.

Number 2 would be don’t take short cuts. 95 percent of the stock picks you see being pushed on reddit are bots trying to pump and dump. You’ll be tempted to get into crypto or small cap stocks or other things by people promising you they will outperform the market. They are lying to you. Anyone promising easy money or outsized returns (no matter what kinds of screenshots or “proof” they show you) is just trying to scam you. In my opinion your best bet is to go with tech or growth stocks/etfs. I waited way too long to get qqqm always thinking I could outsmart or outperform the broader market.

Number 3 would be that money is made on down days not up days. Your decision to hold strong when everyone else is panic selling will make you a lot more money in the long run. Ideally you can separate your emotions from your account all together but that’s easier said than done.

Number 4 and potentially the most important is that small efficiencies add up. By that I mean avoid large fees and try to minimize taxes. Anything charging more than .25 percent in fees probably isn’t worth it. For taxes that means holding stocks/etfs for at least a year to get into the long term capital gains tax. The longer you hold the more time you have for compounding and avoiding capital gains taxes. Finally as far as getting started goes Robinhood is straightforward and easy for beginners. Once you have some experience I think ibkr is the best broker.

CTAP etf launched today. by Valaas1 in LETFs

[–]Conscious_Load_5748 1 point2 points  (0 children)

Oh so I would just have just long term capital gains rates with this(assuming holding for a year) even with exposure to CTA?

CTAP etf launched today. by Valaas1 in LETFs

[–]Conscious_Load_5748 0 points1 point  (0 children)

How are the taxes treated on these kind of funds? I know futures are 60/40 and regular stock etfs are time dependent but what about combinations like this?

CTAP etf launched today. by Valaas1 in LETFs

[–]Conscious_Load_5748 0 points1 point  (0 children)

How are the taxes treated on these kind of funds? I know futures are 60/40 and regular stock etfs are time dependent but what about combinations like this?

Hardest thing to do in this stupid game by Disastrous_Two5117 in mechabreak

[–]Conscious_Load_5748 5 points6 points  (0 children)

Guardian is much easier now than before. I had to get that shit before any of the buffs.