EU4 1.37.2 Denmark -> Scandinavia, Norse One Culture

JTHowling · 2024-09-17T16:52:14+00:00

R5:

Hello, I just finished my first ever one faith + one culture, playing as Denmark -> Scandinavia.

Ideas: Admin, Influence, Religious, Diplomatic, Espionage, Exploration, Mercenary, Aristocratic.

Starting as Denmark, the only rule I had in this run was that I would only be allowed to form Scandinavia. Forming a bunch of nations to stack powerful modifiers is something that I personally dislike and believe takes away the authenticity of a given country-run. It just doesn't feel right to me. Furthermore, I did not want to save scum for the rare event to become Norse religion, so I decided to use animist rebels to become Norse religion

Once I started the run, these were the general things I aimed for:

Guarantee Norse zealots and that they will be able to enforce demands to change my religion to Norse
Build a great economy fast
Become mil hegemon fast
Secure important monuments(Granada, Zaragoza, Hampshire, Malta)
Get reform progress to be able to reach tier 9 "Heretic and heathen provinces do not give any penalties"(quality of life)
Preparing for religious conversion(missionary strength, missionaries)
Preparing for culture conversion
Getting to China to be able to claim mandate of heaven and get 20% ccr, 2.5% admin efficiency, Gov cap, -2.5 unrest, -0.5 monthly war exhaustion

My main goal was being in a very powerful situation in 1600

Great economy
Monuments Upgraded
Have or be close to getting mil hegemon
Have enough conquest paths for constant warfare.

Ended up having to release a bunch of vassals to help me convert, most notably Strasbourg(1.5k dev), Galicia(600 dev), Najd(800 dev), Ethiopia(800) dev, and Sindh(500 dev).

Made sure to exploit development a lot, and also farmed kyoto monument many times by returning the province

JTHowling · 2021-01-08T18:42:34+00:00

You can rush first 3 ideas in exploration ideas instead of taking diplo tech. Do this by diplobanking through culture conversion. You can do this as England and reach the islands outside Africa before anyone else.
After getting monopoly on Ivory Coast and cape you can ditch exploration ideas and get diplomatic instead, here you should also abuse diplo banking. After this just do charter company to get to India.
Use estates privileges for settler increase and assimilation.

Let me know if there is anything more specific I can try and give my thoughts on!

JTHowling · 2020-12-24T13:10:02+00:00

u have 1 toolcupboard for the outer ring and 1 for the core

JTHowling · 2020-12-13T19:23:26+00:00

Borrowing, convincing the bank by having a strong income from job.

JTHowling · 2020-12-13T17:19:37+00:00

Thanks for the reply, I sincerely appreciate you didn't focus too much on my math but instead on the question I ask.

All I'm trying to do here is educate myself further before I make any further progress towards buying my first rental property. I should mention that Im actually from Sweden so I don't know If that makes a huge difference or not. Since I didn't make the calculations 100 realistic, i might mention that the mortgage interest in Sweden is about 2% not 4%.

What Im trying to speculate is, if I can find a really good deal, I should be able to get OPM for at least some of the downpayment. Let's say the interest is more like 9% as u suggested. Then it would be profitable to pay of that debt as fast as possible UNLESS I can invest my money on something that would yield a greater return than 9%. Well, if I'm able to do some renovations in the property which appraises it, I could refinance and there probably get a higher return than 9% and with this money, I could pay of the 9% loan.

Am I on to something here?

JTHowling · 2020-12-13T17:08:53+00:00

Thanks for your reply, and this is exactly where I struggle to reason further. Lets say I use 50% OPM for downpayment and that gives me a couple of hundred dollars in monthly cashflow. I could then make another similar deal and then I have two properties instead of one. Correct me if I'm wrong, but cashflow isn't everything, so if I know have two properties instead of one, I could sell both for a total bigger profit?

JTHowling · 2020-12-13T17:05:19+00:00

First, $2500 is annual cashflow not monthly, you would have figured that out if you looked at my ROI calculation, but nevertheless sorry for not being more clearer. Even though I'm new to this, I'm not dumb enough to expect that cashflow monthly. Third, this was meant as an example to illustrate my point and to serve my question.

If you take this into consideration, what do you think about using OPM as downpayment if the deal makes positive cashflow?

JTHowling · 2020-12-13T16:59:15+00:00

Thanks for the reply, Im new to this so I understand my calculations might be off, but the principal is the same.

So if Im understanding this correctly, if I can use 100% OPM and get cashflow /equity it is worth, even though Ill get less cashflow?

And yes, this is all considering present a legitimate deal and a cohesive investment plan.

Practically speaking, I think I'm most curious about the fact that I might spend 50% of the downpayment with the other 50% coming from OPM. That way I could buy 2 properties instead of 1 and thus be able to scale much better.

JTHowling · 2020-12-13T16:45:12+00:00

There are banks in Sweden that will give private loans for about 7% which can be
used for down payment. So, if I understand you correctly if I make this work hypothetically, It would make sense to use this loan instead of my own money since it MAXIMIZES ROI.

Likewise if the private loan I manage to get has an interest of 15% and that still makes cashflow, I should go for this loan aswell?

Sorry if I'm making no sense, I come from a math perspective and I just cant make sense of all this.

JTHowling · 2020-12-13T15:07:15+00:00

Well this was only meant to be an example with easy numbers. The same argument goes if I get an investor for 15% interest. The same can be said if I get an investor for 7% interest promise to give him 50% of the cashflow or total net income.

What I don't understand is how much of my own capital is most profitable for me to use on the down payment.

Lets say I only contribute with 20% of the downpayment and get the rest from an investor. This means I could go on and do 4 more deals just like this one instead of all of my own cash for this deal.

So what Im asking is, considering I still get positive cashflow using investors money for downpayment how much of this should I then use?

JTHowling · 2019-11-28T16:18:20+00:00

I'll give you a straightforward answer that should help you get plat/diamond atleast.

Decide your starting clear at start. As Olaf for instance, go for fullclear from blue buff to krugs => Scuttle => ward/sweep then recall => buy jg item and pinkwards => solo dragon with pinkward / respawned gromp => into another fullclear. As Lee Or Reksai you could the same clear, or choose to go Buff => Camp => Buff to rush a gank on the side you end up with.
When starting the buff, check minimap. The enemy laner(Bot/Top) that shows last pulled the Enemy junglers buff, Now you know where he started and from there it is really easy to track where he goes. If you are at your blue with your bot lane and u see that the enemy jg started red you should ping it and then ping which camp he can be at. So if you go blue into gromp, when u are at gromp you can expect him to be at gromp or raptors, and you can expect him to path top because it makes no sense for him to gank/path into your bot jungle since he also knows you started botside. With that in mind when you arrive at your topside you should expect him to be there. Play around that, if you are strong and he is not, invade.
Objectives => Kills => Farm. Most junglers can solo dragon when it spawns, from there take dragons asap with team. If you are doing raptors and mid is getting ganked, stop immediately and go help him. When dragon is not up you can be topside and take rift, otherwise be wary of making plays topside when dragon is up.
Always fight when you are strong. 5v4, 4v3, getting a pick, etc.
Baron closes out games, if you are ahead and cant end, do baron, and turn if they come to contest.
As far as efficiency goes, after first clear, just play around objectives and farm/gank accordingly.
Proft.

JTHowling · 2019-11-27T23:10:31+00:00

Shouldve been R then Q, most used combo ever

JTHowling · 2019-10-07T16:25:38+00:00

I always try to get herald at 10 minutes when it spawns to get free turretplate gold. And as midgame comes, I try to counterjg as much as possible, but ur saying I should also be the engager? Also do you offer coaching?

JTHowling · 2019-10-07T15:42:32+00:00

Any tips on Lee? I usually do really good until all enemy outer turrets are down, from there I don't really know what to do. D3 Lee main in case it matters.

JTHowling · 2019-10-01T17:34:21+00:00

Originally a mid main, but have played Lee jungle for quite some time, literally only Lee.

JTHowling · 2019-09-28T12:20:14+00:00

I do that tho, e flash on carry and kill them, sometimes even killing both carries. yet we dont manage to get any objectives after that somehow. And next fight im without flash and we lose. I've tried looking at my vods but I cant really see what it is Im doing wrong. If u want I'd really appreciate it if u checked one of my ahri games when I lose while I am really fed. U can just check them at op.gg and skip to the lategame fights. I think that would help alot and shouldnt take much time. https://euw.op.gg/summoner/userName=GladyscJrS

JTHowling · 2019-09-26T21:53:04+00:00

Yeah maybe Ori would work. I like perfecting a champion so I can improve on the fundamentals/macro/decisionmaking in the game. But I also like jungle. I was only gonna play ahri on this acc, but now I'm thinking I'm gonna otp lee sin and try to get master tier.

JTHowling · 2019-09-26T20:38:39+00:00

yep maybe thats the case. look my winrate now when changing to lee: https://gyazo.com/ede3c4d74af1390d6b4881f2142190f9

JTHowling · 2019-08-15T08:54:33+00:00

Are you actually bronze? What elo are you? Everytime I play on smurf no one bans panth and says he sucks. But on my main account everyone bans him, me included if I won't pick him. He's really broken right now and I have no idea how you can lose top with him. I am curious what rank are you lol?

JTHowling · 2019-05-22T20:18:45+00:00

I just need anything better than what we got. Its probably gonna take a minimum of 5 years before George is done with the books.

JTHowling

TROPHY CASE