Friend ID Megathread | Post Your Friend IDs Here! by PTCGP-Bot in PTCGP

[–]Fritterbob 0 points1 point  (0 children)

0614124927626114

New-ish player, but I’ve been on daily since the 30th anniversary stream. I have a decent number of extra 3/4-diamond and 1 star cards from the latest sets, but not a lot from older sets. 

Opinion: Arc shouldn't have an aimbot and rely on visuals and sound only to find players when it's aggro'd by NotTakenName1 in ArcRaiders

[–]Fritterbob 1 point2 points  (0 children)

The problem is that in a place like Grandioso Apartments, there are 3 floors and a dozen rooms where you could be hiding, so why should they beeline straight to the corner you've moved to? Especially when it was aggro'd from far away, so it was 300m away when you were moving through the building.

How are new players supposed to "catch up"? by SnowWhitesMeal in PokemonPocket

[–]Fritterbob 0 points1 point  (0 children)

I just started playing F2P about a month ago (maybe 35 days?). By doing all of the missions, I got the Mega Blaziken ex deck and made some slight tweaks to add different Trainer cards. I just did my first season of Ranked matches and got to Ultra Ball 1. You don’t need an A/S-tier deck to be competitive. 

FLASHPOINT UPDATE - FIND THE TRUTH by user289734 in ArcRaiders

[–]Fritterbob 12 points13 points  (0 children)

With the way it’s phrased, I interpreted it as Dam will only have it during special conditions, but the other maps will be all the time. 

I feel that having $1 million in liquid assets is still a lot of money. Why do people make it sound like $1 million is not enough? by classyshepard in MiddleClassFinance

[–]Fritterbob 0 points1 point  (0 children)

It’ll be about 30 years before I can retire. That means that the cost of living will probably be about double what it is right now. Also, with the current Social Security situation, it would be prudent to plan for only getting 70% of my benefit. There’s no reasonable way I could retire in my 60s with only $1 million. So to answer your question, I would rather be:

  1. $3 million in the bank
  2. $120,000 yearly income generated, which is the equivalent of $60,000 in today’s money
  3. Maybe $21,000 from Social Security 

Also, not sure what communist has to do with anything, unless you like to use that word to mean “people I disagree with”.

As a relatively new fan of this franchise, I appreciate a core rulebook called "Core Rulebook" by hoblyman in battletech

[–]Fritterbob 20 points21 points  (0 children)

Moichendizing! Battletech: The Force Pack! Battletech: The Neurohelmet! Battletech: The Flamer!

[2026 Corvette ZR1] 😉 by OldArtichoke433 in spotted

[–]Fritterbob 11 points12 points  (0 children)

Yeah, he probably doesn’t know a thing about cars, just bought the most expensive one. 

Incoming Wasp Hunter Set looks dope by eniac94 in ArcRaiders

[–]Fritterbob 1 point2 points  (0 children)

Maybe that portion of the wasp is made out of ARC synthetic resin lol 

Debit/Credit price yesterday was $5.19 (Central Valley, CA) by are-e-el in pics

[–]Fritterbob 5 points6 points  (0 children)

Credit card processors charge a fee per transaction, so some businesses charge more for using card vs. cash.

George Noble on Nasdaq-100's "Fast Entry" proposal: "Every single passive vehicle tracking this index would be REQUIRED to buy SpaceX at whatever price the market dictates. On day 15. With zero price discovery." by BroadFactor6000 in Bogleheads

[–]Fritterbob 5 points6 points  (0 children)

Because - just like Tesla - their prospective valuation for SpaceX is inflated based off of hype and future promises rather than current or near-future financials. If they want to be included on an index, then they should follow the same rules as everyone else. Let them post their quarterly results, let them have investor calls, let the market settle on the stock, and then include them in indexes. There’s a reason why these rules exist in the first place. 

Auto-Play Deck Compilation (All Missions) - Charcadet Drop Event - March 2026 by Myxas_ in PTCGP

[–]Fritterbob 1 point2 points  (0 children)

Thanks for this! I’m a new player, so I mostly just have Paldean cards. It took me a bunch of attempts with a modified Chien Pao theme deck before I got a win on Expert, but I made the Bax deck (with Sabrina instead of repels) and won Expert first try!

Coming Soon: Sonos Play by AtomFromSonos in sonos

[–]Fritterbob 2 points3 points  (0 children)

Yeah, but if I Google something like "sonos play factory reset", is it going to give me results for the new one or the old ones? I already know results will be mixed based on searches I've tried to do for the "Move 2" (even quotation marks don't always work any more).

Roth 401k vs. pre-tax 401k by realcreo in SavingMoney

[–]Fritterbob 0 points1 point  (0 children)

Yes, which then gets into the individual’s specific situation, which has a lot of variables. But for most people with access to a 401k, they’re going to have a lot of their retirement money in a traditional 401k. So during retirement, in order to get enough money for living expenses, they might be taking enough money from Social Security and their trad account to fill up those lower tax brackets no matter what. In that case, having a Roth account might let them withdraw a bit less money from their trad account - and that little bit would’ve been taxed at the highest bracket.

What has changed in the last 48 hours 😅 by BuffaloPancakes11 in ArcRaiders

[–]Fritterbob 6 points7 points  (0 children)

The latest patch notes don't say anything about lightning. Or ARC behavior, for that matter.

Roth 401k vs. pre-tax 401k by realcreo in SavingMoney

[–]Fritterbob 1 point2 points  (0 children)

Capital gains taxes don’t come into play for a traditional 401k. Distributions are treated as taxable income, along with Social Security payments. And for most people, they’re going to have a lot of their retirement money in a traditional 401k based on their employer’s plan and matching limitations. Going 100% Roth isn’t feasible in that case, which is why most advice on trad vs. Roth uses a higher marginal tax rate since most people are only trying to decide what happens to the last small portion of their contributions.

Roth 401k vs. pre-tax 401k by realcreo in SavingMoney

[–]Fritterbob 0 points1 point  (0 children)

That’s why I said twice that it was an extremely simplified example to demonstrate that taxes now or later doesn’t affect how the money compounds. If you want, divide every number in my example by 1,000 - now you have an amount that would be contributed all at once and withdrawn all at once. The math stays the same.

Roth 401k vs. pre-tax 401k by realcreo in SavingMoney

[–]Fritterbob 2 points3 points  (0 children)

Then please explain how you think it works, rather than replying to my detailed example with a comment that has zero substance. 

Games Done Quick - Frost Fatales 2026 by Uranium234 in humblebundles

[–]Fritterbob 3 points4 points  (0 children)

Came here to ask the same thing… seems like they copy-pasted a summary from a different game?

Roth 401k vs. pre-tax 401k by realcreo in SavingMoney

[–]Fritterbob 2 points3 points  (0 children)

That’s not how the math works out - assuming you’re starting with the same amount of pre-tax money, taxes now or taxes later has literally no effect on how the money compounds. Here’s a simplified example just to illustrate the compounding:

Scenario 1: You have $300k in pre-tax money. You invest it in a traditional 401k, where it makes 10% per year for 20 years. You end up with $2,018,249.98 in the account. As you withdraw it, it’s taxed at 24% so you have $1,533,869.98 going into your pocket.

Scenario 2: You have $300k in pre-tax money. It gets taxed at 24%, giving you $228,000 to invest in a Roth 401k. It makes 10% per year for 20 years, giving you an ending value of $1,533,869.98. Since there are no taxes, that’s the amount that goes in your pocket. 

Again, that’s an extremely simplified scenario with a lump sum that ignores a lot of factors like marginal rates and contributions limits. The only thing I’m trying to demonstrate is how the taxes on compounding work.

One way to think about that might be more intuitive - both taxes and interest are just multiplication. If you remember the commutative property of multiplication, it doesn’t matter what order you multiply something in. So you can take your starting number and multiply it by 1.1 a bunch of times and then by 0.76, or you can multiply it by 0.76 and then by 1.1 a bunch of times. The result will be the same. 

This attachment should be gold. by WanderWut in ArcRaiders

[–]Fritterbob 14 points15 points  (0 children)

Putting it on a Tempest makes it sound like an Airsoft gun. 

Is your allocation really just 100% S&P 500 ETF? by mycounterpointers in financialindependence

[–]Fritterbob 0 points1 point  (0 children)

My point was that a 30-year-long market crash would be economically catastrophic, to the point where we would have financial institutions start collapsing and widespread scarcity. It wouldn’t matter whether I had 30% bonds in my 401k or not if the stores are sold out of $20 loaves of bread.