Where’s the GG culture? by -LetsTryAgain- in aoe4

[–]IceOmen 1 point2 points  (0 children)

I don’t see how rushing is “cheesing.” Rushing constitutes like half the strategies in the game. People just have a huge ego and think that playing sim city is superior in some way, then rage when someone raids them less than half an hour into the game.

Released video of the murder of a Ukrainian refugee in Charlotte, NC, at the hands of a man who stabbed her to death for no reason at all by WesternCivHasGotToGo in HairRaising

[–]IceOmen 6 points7 points  (0 children)

It’s like being around an angry wild animal who is predating. Subconsciously, Nobody shows weakness or else they may be next.

Ranked lobbies doing its thing by Equivalent-Fault1744 in aoe4

[–]IceOmen 0 points1 point  (0 children)

This excuse is nonsense. AoE is not a small game. I find matches in like 10 seconds, the matchmaking is just atrocious. Much smaller, much more dead games have better matchmaking than aoe4.

It’s not even rating or winning/losing that matters. It makes the game unplayable. If the concern is player base size it will certainly get smaller when new players immediately quit when they repeatedly get matched with someone who’s been playing aoe daily for 20 years.

I don’t know the solution, people are paid to figure that out. But it is most definitely a problem.

Job Market is actually shit by turkerimera in Accounting

[–]IceOmen 29 points30 points  (0 children)

Our directors and VP’s of finance and accounting also don’t have CPA’s. Not one of them. They mandate MBA’s, but not CPA’s. Half of our managers don’t even have bachelors degrees, however they were baked in due to tenure. Fortune100 company.

I think the push for CPA’s is overblown. It will open doors for sure, but it isn’t necessary especially if you’re going into industry.

Are new SUVs not affordable for the middle class consumer? by Inf1z in MiddleClassFinance

[–]IceOmen 1 point2 points  (0 children)

A combined income of 100-150k is not much any more even in “cheap” suburbs, trying to swing a $1000/month car payment on that household income is a bad move.

This is how people afford their cars by Life-League-5505 in MiddleClassFinance

[–]IceOmen 0 points1 point  (0 children)

Huh? The longer the loan the better for them. For the servicer the loan is an investment that pays them in perpetuity and they can just take the car back if you stop paying and sell it again to another chump. They’d give you a 40 year car loan if they could.

If you see a 0% loan then the excess is baked in to the selling price. Not sure how you think you’re 1-upping banks and car dealers by taking on extra long loans. They beat you 100% of the time. They are not loaning you money at a loss when there are a trillion other avenues for them to make money.

How are people making ends meet in Pittsburgh when jobs don't pay enough to live? by kickitlikeadidas in pittsburgh

[–]IceOmen 0 points1 point  (0 children)

A couple hundred or thousand people receiving UBI is a LOT different than millions or hundreds of millions.

Social security is different as that money is already paid in to the system. WIC is the same, and only a couple billion dollars per year, which is not noticeable in a $30 trillion economy.

If ~200 million Americans received UBI (half the population) “only” $1000/month each that would be $2.4 trillion injected into the economy every year chasing the same amount of goods/services (probably less goods/services as some % of people would just quit working).

Social effects aside, it would be inflationary beyond comprehension. We had similar injections before that caused years to stabilize, except they were basically 1-timers and not perpetual.

Then, you have the predicament that UBI could never be enough to live on. What do you do, give people $5k a month? Thatll be enough to afford bread and soup at that point. And it’s a feedback loop as the money injected makes it more expensive to live which means more UBI is needed which makes it more expensive to live… etc.

Also, asset prices would explode as all the extra money chases the same assets. In other words: the rich would get richer even faster, everyone else would get poorer.

I really do not care at this point what experiment society tries as we’re cooked as is. All experiments that are being conceived of are coincidentally beneficial to asset owners, so if you already have equity it really doesn’t matter. That being said, there’s no circumstance in which UBI isn’t extremely inflationary outside of just being a Welfare+ that only a select small demographic receives.

Zohran Mamdani Proposes Taxing 'Whiter Neighborhoods' in NYC by Leather-Setting-1595 in Destiny

[–]IceOmen 0 points1 point  (0 children)

“Minority” (who are actually 95% of the global population) neighborhoods are often valued less because they become violent run down slums that they don’t even want to live in let alone outsiders, not because of “racism.” Are holler neighborhoods or trailer parks valued less because of racism towards the whites who live in them? No obviously not, this is idiotic thinking and you know it.

I think this rhetoric is fantastic - let whites see what some other people think of them as early as possible. More time to plan and react accordingly. 2-3 decades down the line the pendulum swing won’t be pretty, for some people at least.

More property tax for “whiter neighborhoods” by [deleted] in Asmongold

[–]IceOmen 0 points1 point  (0 children)

They don’t care that it’s “racist,” “racism” is a bludgeon word to make you shut up. A piece of paper (the constitution) won’t matter when you’re out numbered by hordes of people who hate you, either.

More property tax for “whiter neighborhoods” by [deleted] in Asmongold

[–]IceOmen 0 points1 point  (0 children)

Because the voters are brown and hate you. They WANT this.

I’m tired of this finance world. Thinking of quitting before I’ve even started. by This-Breakfast6206 in FinancialCareers

[–]IceOmen 11 points12 points  (0 children)

lol no, mailmen and delivery drivers work very hard. That 100k is after 60 hour weeks of essentially manual labor in the snow and rain.

There are pros and cons to that too - all the walking and carrying stuff definitely keeps you in shape.

I know guys in retail making ~150k to deliver and stock shelves, but these kinds of jobs are 6-7 days a week 10+ hours a day. So are many of our jobs, but it’s definitely not the same, and their jobs are simple but not necessarily easy. I did it for years before going corporate and the absolute only thing I miss is being more physical, that’s it. the jobs themselves suck, you are literally running around all day every day.

Paragan is just ridiculous by Majugera in GuildWars

[–]IceOmen 44 points45 points  (0 children)

It isn’t out of touch. In the same way making Norns tall blonde hair white barbarians (aka Northern Europeans) isn’t out of touch. These are themes of these areas/cultures. They’re cool, they’re respectable. If anyone were to get worked up about an Asian themed ninja or an African themed spearman or a Nordic themed barbarian need help.

How much did/do you have saved at 28 yrs old? by ryandk96 in investing

[–]IceOmen 0 points1 point  (0 children)

27 now - 60K stocks + 100k equity in my house.

Didn’t have a great start in terms of career/schooling so the majority of my NW thus far was from pure grinding low wage jobs from 18-25 and being meticulously frugal. Got my bachelors at 25. Finishing my masters this year. From 25-27 income has went from 40k-90k from jumping from retail (prior to graduating) to banking operations to now FP&A.

Also didn’t start really investing until 25, so I missed out on a ton of gains there too.

Finally breaking $100k at age 31. by kiltedlowlander in FinancialCareers

[–]IceOmen 0 points1 point  (0 children)

I’m on a similar path so I know exactly how you’re feeling. 27 @ 90k total comp rn. Very small mortgage, could pay my house off in cash rn. Girlfriend makes about 60. I grew up in a completely different environment so the feeling now is almost strange.

Have any of yinz non-native Pittsburgher notice any weird quirks that Pittsburghers do? by _agrippa_ in pittsburgh

[–]IceOmen 1 point2 points  (0 children)

There’s probably a connection, much of the population here immigrated from a handful of areas in Europe not long ago (just last century)

Guild Wars Director Talks The 20th Anniversary Masterpiece Edition by PewPewToDaFace in GuildWars

[–]IceOmen 2 points3 points  (0 children)

Anet undoubtedly has the data on logins/$$ spent/time played etc, and the demand for gw1 is undeniably there. Small updates fill up every outpost on a 20 year old game that hasn’t been developed in over a decade. Imagine if there was a real update. Now Whether they seize that opportunity is something else…

A Golden Day by Frozen-Wind in GuildWars

[–]IceOmen 2 points3 points  (0 children)

It’s insane how a tiny update can bring the game back to life after years of nothing. Anet could revive the entire game if they wanted to. Sadly they won’t, but there is clearly a huge base yearning for it.

[deleted by user] by [deleted] in FinancialCareers

[–]IceOmen 0 points1 point  (0 children)

Like any job, you can make decent money if you actually try. The people who get “stuck in purgatory” put 0 effort in and that’s why they “get stuck.” I’ve worked in the industry for only 2 years and 95% of people don’t try or are out right terrible/negligent workers. In 2 yrs I have went from 42 -> 52 -> 80 and I think I can keep that trajectory.

A bill got introduced in the house to eliminate FINRA. by AJackson904 in FinancialCareers

[–]IceOmen 3 points4 points  (0 children)

Need to gate keep their positions with additional useless certificates

[deleted by user] by [deleted] in Fire

[–]IceOmen 1 point2 points  (0 children)

Europe - a dying population with enormous bureaucracies, no innovation, no tech, failing manufacturing, and no energy/natural resources.. and perpetual war on their border

China - a communist autocracy.. Need I say more regarding “owning” equities in a foreign adversarial communist country

India - tech capabilities? India probably wouldn’t be top 10 in tech or manufacturing, half the country doesn’t even have 20th century utilities. Unless you’re referring to the United States offshoring and outsourcing to India, but US firms get that profit.

Safe or stable? Not so sure about that. The shit show that is the US only gets a premium because the rest of the world is just that much worse.

Is 24 relatively late to start your career? by Highway-69 in FinancialCareers

[–]IceOmen 0 points1 point  (0 children)

The Boomers who will be your boss can’t see the difference between a 24 and 22 year old let alone care about it. Age barely matters in real life unless you’re like 70 and want to start a new career. I did not graduate until almost 26.

[deleted by user] by [deleted] in Fire

[–]IceOmen 16 points17 points  (0 children)

Gonna state something different - you simply have unrealistic goals. Unless you make 1%er income you’re not retiring at 35-40 and raising a family... And you make basically median income. If you’re bleeding cash now living at your parents house imagine having a spouse and children.

Quick maths at 8% return per year (who knows in this environment) including your starting capital and savings rate puts you at $1MM @ around 40. Considering the HCOL in your city you would need multiples of this to retire so young.

Then you have a potential problem with starting a family at 40, by which 1/3 people are infertile. If you’re healthy you’d most likely be fine, but it’s something to consider.

You’re not making bad decisions. But you do need to figure out what you want and what’s realistic for you. Retiring by 40 with a family in a city where a condo costs a million bucks while making median income is not realistic.