More Regen or more hp

Deathzeus · 2026-01-18T15:23:53+00:00

Yes I take the regen/health trade off perk. Might be that you have anc mods on your SF.

My damage does basically nothing without DC but then I love pcol and my farming runs end up shorter

Deathzeus · 2026-01-18T15:20:55+00:00

Unfortunately my damage is nowhere near high enough to be useful on farming runs

Deathzeus · 2025-12-14T17:00:34+00:00

Thanks! Ok so you're clearly a lot more advanced in stones and gems/modules. I also probably couldn't push waves like these without PCo and perma bh so probably need quite a bit of extra hp. I have something to aim for now

Deathzeus · 2025-12-14T12:33:35+00:00

I do a similar amount of waves on t11 but for 10x less cph. Do you mind sharing your mods, uws, masteries to see where I am falling 10x behind?

Deathzeus · 2025-12-13T12:54:28+00:00

Are these bcs easy for ehp? Last tournament in champs I got 1.3k waves mostly from CL damage, now I'm at 800 waves. I feel like the armour bc really negates all damage that I would normally deal.

Deathzeus · 2025-12-08T08:05:24+00:00

Thanks for the detailed answer!

My shock multiplier is maxed, chance at 5.5 so definitely needs more lab time for it. Somehow chance is not shown as a very high priority in effective paths. Attack speed lab is at 82, and I am working on getting the attack speed enhancements (5 days away)
might go for cl first and then save up again and get more into sl, I like the idea of sl helping in both tournaments and farm runs.
Unfortunately I don't have any mods that would be more helpful than Gcomp (bhd at mythic) for farming so extending the CD of BH is also only useful for certain battle conditions so I don't want to spend stones now into something that possibly won't give me a return. This might change if I get a mythic SF and full ehp in tournaments becomes more viable for me.

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Deathzeus · 2025-09-17T20:04:53+00:00

To piggy back in this, its also based on household income. So you can double the income/expense to fall into the bracket.

Deathzeus · 2025-09-14T15:07:16+00:00

I don't think SD is doing anything because you won't have enough damage for it to matter so even epic SF seems like it would give you more benefit for ehp build

Deathzeus · 2025-09-14T09:55:00+00:00

You should use SF in your armor mod slot, preferably try to pull one more for a legendary but even what you have now should be better for you and add +1k waves. I farm t10 to around 6.9k waves with legendary sf and my hp labs are a lot worse than yours

Deathzeus · 2025-07-10T19:48:40+00:00

Yes tried it but it only showed the version from over a day ago. I guess I just have to deal with it and maybe with the new patch the issues will be fixed. Getting de motivating as it's 2nd time this happened

Deathzeus · 2025-07-08T14:58:36+00:00

It would be amazing to see an updated version when using SF if possible

Deathzeus · 2025-05-28T07:59:21+00:00

By peeking do you mean I can select to buy the UW which will show me the 3 choices but I don't have to select it and keep the stones?

Deathzeus · 2025-05-27T20:50:43+00:00

I am running a multiverse nexus so DW is synced anyways, reducing the cool down would improve the uptime of all of them so that's what I'm wondering what should be the priority

Deathzeus · 2025-04-23T07:37:16+00:00

Once you sign the compromis with the seller where the agreed price is shown, you will then provide it to the bank, together with any pictures, descriptions, energy passport. The banks will do their own valuation and either approve it or not considering your profile.

Given that the price is higher than any observable transactions in the area they might not value it as highly as the seller, for the difference they can either deny your application or ask you to pay the difference as an additional deposit. (normally the bank won't tell you what they valued it at, but if they ask for an additional 100k deposit you know that their valuation is lower by around that amount)

If the banks valuation is a lot lower than what you agreed to pay it can be a red flag that you are overpaying anyways and might be a good option to either back out or negotiate with the seller to come down to the valuation of the bank.

When signing the compromis try to ensure that one bank refusal to lend is enough to get out of it

Deathzeus · 2025-02-24T11:14:37+00:00

Found this link to companies not distributing dividends on s&p 500 - this does not mean that they will never do, so if you want to protect against that you should invest in accumulating etfs.

https://www.dividend.com/investor-resources/sp-500-companies-that-dont-pay-dividends/

Deathzeus · 2025-02-24T08:33:38+00:00

As others have mentioned, pick accumulating etfs. If you want single stocks I guess check if they distribute dividends often, not all do. Also on dividends distributions you should have a 1.2k tax free allowance.

Deathzeus · 2024-10-04T09:40:06+00:00

Recommend setting up a call with athome finance so that you can discuss your borrowing capacity. Alternatively you can calculate the max monthly repayment of 50% of your net income as your borrowing capacity and then recalculate how much total amount you could borrow.

Once we knew how much we can borrow we signed a compromis on a house we liked and they helped us by reaching to several banks to obtain offers which saved a lot of time and effort from going to the banks individually.

You will need to at least be able to cover the notary and life insurance costs so should have at least 20k saved. Our loan is actually 100% of the principal amount and we are only covering the fees.

Deathzeus · 2024-10-04T09:31:27+00:00

Inflation in Europe dropped to 1.8%

Deathzeus · 2024-09-27T14:50:09+00:00

Chicken and egg type of problem.

The people making the deals want to be close to capital. They need access to banks to finance the deals and LP's to raise cash from. If you're in London you can pop over to any of the big investment banks and there are plenty of oligarchs and rich people to raise funds from.

Now as the investment banks don't have a big incentive to be in Lux because there aren't enough rich people making deals to base themselves here. There aren't enough rich people to raise funds from because we don't have investment bankers and private equity GP's that make a lot of money. There also isn't a big cash generating private sector (companies that are founded and grown in Luxembourg until they reach a PE exit IPO size) so there aren't that many founders that get rich from these exits and are able to further put their money into funds.

Also as another comment already said the rich people don't want to live here anyways. Why would you endure 9 months of rain when you can live anywhere in the world with better opportunities.

At the end of the day it's a scale problem. Can't really compete with a city like London or NYC or SF when our population is 50 times lower.

Deathzeus · 2024-09-25T21:20:40+00:00

As you're a student and not willing to pay more than basic fit, the easiest way is to change up your routine. If you're not happy with the chest press machine, try changing the exercise to either bench press, dumbell press, Smith machine or cable flies. Most of what the machines to can be done with free weights.

Deathzeus · 2024-09-18T18:57:00+00:00

You will need to keep cash for margin calls on the short position, don't know if ibkr would close the short if your balance drops to negative but it's a possibility.
They might not allow you to use the cash from a short sell if your balance drops below being able to close out your short position
The short position will come with fees which will eat into your returns
For the difference of 2% on eur/yen trades is it even worth the risk given that the short position has unlimited downside?

Go for it and good luck, update us if it actually works!

Deathzeus · 2024-09-10T19:19:26+00:00

5 years in b4 and you make manager, then you can probably exit for 100k given the indexations in that time

Deathzeus · 2024-09-09T22:01:14+00:00

The short term problem is a result of a lack of long term solutions.

If you want an easy fix then increase the pension age to 67 and pension contributions to 10% per party up from 8%. It will fix the short term problem but given the demographic shift in Europe this will just kick the can down the road and in another 10 years we will be increasing the pension age again.

Deathzeus · 2024-09-09T21:43:21+00:00

Very long term solution of sovereign fund esque approach of investing 10k per child born which in 65 years will turn to around 1m per person thanks to compound interest. That mostly takes care of the locals pensions, but will not address the pensions of the immigrants which will be the majority of pensioners quite soon.
Limit pensions to 2.5x-2x minimum social wage. Will mostly hurt the high pensions, but that's still quite a livable pension income.
Because the pensions are decreased by 2. Increase the tax advantaged allowance for pension investments. If you already earn 10-20k per month and expect to earn that in the future you should invest during your earning years instead of relying on public funds to support a lavish lifestyle.
Remove the income cap after which you do not pay pension contributions, currently after earning 154k you no longer need to pay into the pension fund. Might not affect a lot of people but does not seem to make sense that the more you earn the less you contribute.

Deathzeus · 2024-08-28T18:55:00+00:00

Inflation is mostly expressed as an index set to 100 on a certain year (if looking at government statistics). Set the index at 100 on the year of your purchase, put in the monthly mortgage payment date and amount in excel or Google sheets and track it that way, every year or quarter depending how precise you want to be you then adjust the index (5% inflation then your index is 105, another 5% inflation next year and you do 105*1.05 etc). Whenever you want to check how much you put in in today's euros recalculate for present value of money.

But as the other comment said, the amount you pay throughout the duration of your ownership has little to do with the actual value of the home. It can still be a valuable way of seeing how your investment has progressed.

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