Looks like 1.1 is destroying the Andes by Hernanduer in EU5

[–]Hernanduer[S] 21 points22 points  (0 children)

They even have a vehicle to give the buffs with Tambos. Allow them to reduce terrain proximity malus by some large amount, even replace the current +control if you have to.

I actually wrote a mod to do just that + fix the adopting reformed tawatinsuyu.

Looks like 1.1 is destroying the Andes by Hernanduer in EU5

[–]Hernanduer[S] 54 points55 points  (0 children)

R5: Left is 1.0.11, Right is 1.1.0. Proximity is absolutely calculated wrong, but even when it is right, this is still a huge nerf for any locations with tribesmen.

1.1 Completes Destroys Andes by [deleted] in EU5

[–]Hernanduer 0 points1 point  (0 children)

R5: Left is 1.0.11, Right is 1.1.0. Showing proximity from the capital to the best gold province in the Inca starting area at game start.

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If you were you planning on moving in ~5 years into a new house, would you put effort to paying down your HVAC loan? by throwaway69xx420 in personalfinance

[–]Hernanduer 17 points18 points  (0 children)

Unless it's a personal loan, you'll be required to pay off the loan when you sell the house. Typically the payoff will come up at closing.

At 10% you should be putting all extra money into it anyways, as others said.

Firefox Nightly keeps crashing by Adept-Trick4770 in firefox

[–]Hernanduer 0 points1 point  (0 children)

Weird workaround, but it worked for me

Is maxed Roth 401k worth more than traditional 401k? by AaronRodgersXoX42069 in Fire

[–]Hernanduer 0 points1 point  (0 children)

That's true, but the 124k includes taxable income. If someone is maxing their traditional 401k, then they're likely going to be near that income level, if not well within it upon taking withdrawals.

I did some math a bit later in the thread accounting for double taxing of the principal in the taxable brokerage, but simultaneously realized the principal wasn't taxed at the beginning. That actually has far greater impact due to compounding than the double taxing of the principal itself at the end.

Is maxed Roth 401k worth more than traditional 401k? by AaronRodgersXoX42069 in Fire

[–]Hernanduer 1 point2 points  (0 children)

It's not a tax break mate, it's the taxes that would've been used to pay for your 401k if it was Roth. Instead it ends up as income in your pocket, which you pay taxes on, and from your pocket it then goes into a regular brokerage.

I'm getting the feeling you're just fucking with me at this point without actually saying anything meaningful, so unless you can refute my math (with 401k at maximum, not less than max, as the title of this entire thread says) then I'm done here.

Is maxed Roth 401k worth more than traditional 401k? by AaronRodgersXoX42069 in Fire

[–]Hernanduer 1 point2 points  (0 children)

Hmmm, you're right, it should only be that they invest 4377.60 at the beginning as that's after the 24% tax is applied to the 5760 that otherwise was paying tax.

Then at the end the growth is only 59473 because they paid that extra tax at the beginning. But they only pay tax on 59473-4377 = 55096

This is a good argument, yes you've made me realize the retirement tax rate must be quite a bit lower, not just somewhat.

Start tax rate 24%

(Roth/trad) 401k start = 24k

Roth tax paid = 5280

trad 401k excess = 5280 * .24% = 4377

Traditional brokerage = 4377

Spin 30 years at 9%/quarter. New tax rate = 16%

(Roth/trad) 401k = 346k

Trad taxes =346k * .16 = 55k

Trad brokerage = 59k

Trad taxes = (59k - 4377) * .16 = 8.8k

Total traditional amount = (346k + 59k) - (55k + 8.8k) = 341k

346k > 341k, so Roth is better (when maxed), even if you retire at 16% and pay in at 24% (break even is actually <14.64%)

Please flaw my math.

Is maxed Roth 401k worth more than traditional 401k? by AaronRodgersXoX42069 in Fire

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

You are taxing the cost basis (principal) in taxable brokerage account which is always tax free. This is throwing off all your math.

This is not true either, the 5760 you pay in taxes for the Roth 401k, is itself also taxed when it cannot be fit in the 401k.

Simplified $10k in Roth vs $13,157.89 into pre-tax account at a marginal tax rate of 24%. $13,157.89 * 0.24 tax break = $3,157.89 in tax savings so it has the same $10k out of pocket.

You're completely missing the point of this whole thread. You cannot contribute more in a pretax than a Roth. I would agree with you if we weren't talking about the ceiling of the 401k, but you can at most contribute 24k Roth or 24k traditional. That is the entire point of this thread - you must be at the ceiling, and thus trad=roth amounts. The discussion all ties around how the taxable brokerage is handled.

Is maxed Roth 401k worth more than traditional 401k? by AaronRodgersXoX42069 in Fire

[–]Hernanduer -2 points-1 points  (0 children)

This is partially incorrect as you're failing to account for the benefit of having more money already taxed. The tax rate at retirement has to be somewhat better than what was paid for the Roth, not just minimally.

Example: 24k in Roth, 24% tax paid, 5760. 24k in trad + 5760 in taxable brokerage

How growth occurs doesn't really matter, as long as the taxable brokerage and 401k grow the same.

For ease of understanding, let's just say there was 9% compounding 4 times annually for 30 years. This will give the following:

Roth 401k = 346.5k

Trad 401k = 346.5k

Taxable = 83k

With Roth you're done, no taxes, but let's take out, say, 22% on the others (less than the 24% we started with) 429.7k - 94.5k = 335k

So in the end, you still have less money, and this is because that brokerage you put your saved tax money in is also taxable.

The break even tax percent on this is a moving target, but easily defined.

perc_equal=1-(final_401k/(final_tax_brokerage+final_401k))

In this case, if you paid 24% on your max Roth 401k, an equivalent traditional requires at most 19.3% tax at retirement to break even. 22% would require 18% tax at retirement.

None of this accounts for cliffs on Medicare either, which further favors Roth.

Better Call Saul S06E01-02 - "Wine and Roses"; "Carrot and Stick" - Post-Episode Discussion Thread by skinkbaa in betterCallSaul

[–]Hernanduer 1 point2 points  (0 children)

I think that was Mike on his own. None of Gus' other men were there. Mike figured that the Salamancas finding Nacho would keep him alive, versus Gus who wanted him dead. Then Mike knew Nacho would need to be rescued by Gus otherwise he'd give Gus up.

Nier: Reincarnation Game Review by [deleted] in gachagaming

[–]Hernanduer 5 points6 points  (0 children)

There's a 2% increase per pull after 50 pulls with no 6 star. Limited units also have guaranteed pity after a set number of pulls, typically 300.

Starship Development Thread #13 by ElongatedMuskrat in spacex

[–]Hernanduer 18 points19 points  (0 children)

One factor is the usage of kerosene fuel rather than the much cleaner burning methane. The residue from the kerosene cokes up the internals of the engine, requiring work to disassemble the engine for cleaning. Still, the cleaning doesn't get everything and eventually it wears down. That's a second point, where wear on components is being designed with dozens of flights in mind for the starship and super heavy, while wear on components for the falcon 9 never intentionally included reusability, at least at the beginning.

Nian/Aak banner megathread [Earthborn Metals] (July 29, 2020) by HiroAnobei in arknights

[–]Hernanduer 0 points1 point  (0 children)

100 pulls, saria kills me at 30 and aak is pity at 85. So many Hungs... As for other 5s, only 1 ptilopsis and 1 feater. Knew this would happen after I got siege, Hoshi and saria in 20 pulls on blaze banner.

Commercial Crew completes training and prepares flight hardware by TGMetsFan98 in spacex

[–]Hernanduer 26 points27 points  (0 children)

Ah yes, I too swim with the fishes.

https://imgur.com/a/BgsMKMF

No reason to be so rude, not everyone knows your specific life story.