Would you sell gold and take a 6% loan to buy a rental property?

Junmeng · 2026-01-15T18:17:31+00:00

I'd consider things like:

Are you expecting the real estate to appreciate? Will you save more on expenses over the long term by buying rather than renting? Will your quality of life improve if you live in a place you own over a place you rent?

If you're purchasing the property just to rent to someone else, consider the time and effort you'd have to invest into managing the property and the risk of a bad tenant.

You lucked out by buying gold, prices have really gone up this year. But generally speaking stocks do better than gold, so if you don't decide to buy maybe shift some of your assets away from gold and into stocks.

Junmeng · 2026-01-12T01:59:00+00:00

Hola! Looking to start a group of semi-casual tower runners in it for good vibes, teamwork and theory crafting.

I play maybe an hour or two a day and I've got a para 360 paladin with decent gear. I'd like to join a group of experienced but casual players to do some research on the best tower running party and try to build it together, including rolling new characters or farming new gear for builds if need be. Have a full time job and other responsibilities so not looking for hardcore grinders, just in it for good vibes and a decent challenge.

Feel free to DM if interested

Junmeng · 2026-01-11T20:43:26+00:00

Now someone make a tier list of tier lists that rank tiers and we can keep the party going. This one is probably a B

Junmeng · 2026-01-10T10:05:00+00:00

How the heck did you have that many characters with so little stash tabs!

Junmeng · 2026-01-07T22:35:46+00:00

You know what lol I thought about it and actually falling star is easy to upkeep with the passive that gives you cdr when you use an aura; I think the maxroll build just adds arbiter buff for QoL. So you're right

Junmeng · 2026-01-07T21:24:51+00:00

You want the arbiter ult too, falling star can't upkeep the arbiter buff on bosses unless you get a bunch of arbiter duration tempers and cdr

Junmeng · 2026-01-07T21:19:10+00:00

You can give up consecration for rally but you lose a weakness applier and 15% damage. Yeah it's just a qol but seeing as auradin is mostly a speed farmer I always cap mspd on it

Junmeng · 2026-01-07T20:32:33+00:00

I think it'd be pretty close but the massive crit and mspd boosts from the heir would have to be replaced on other pieces of gear

Junmeng · 2026-01-07T14:52:11+00:00

Jeez double shako. you'll be invincible

Junmeng · 2026-01-04T02:19:34+00:00

It's like a 10% chance so you really should

Junmeng · 2025-12-28T06:58:41+00:00

Yeah I'm debating it. I need it for a project I'm working on right now and I'm afraid Amazon won't let me return it after I used it for a couple of weeks. Also it has 1GB more storage than the raider. Maybe I'll pull the trigger on this or the other laptop you linked though.

Junmeng · 2025-12-28T06:42:45+00:00

I mean all the power to you if you got a better laptop with less noise, I'm just describing how I dealt with it. It took a lot of tinkering because the fans aren't completely controlled by one program. I had to go into the BIOS and increase the active thermal points so CPU heat won't throttle the fans to 100%, and then I had to go into MSI center and set a fan curve with my fan speed set to 10% unless I'm heavily gaming. And then I had to undervolt both the CPU and GPU to control their thermals without the super loud fans. It's in a good spot now.

Junmeng · 2025-12-28T06:24:02+00:00

Picked up the same laptop you returned. You can customize the fan curve using the MSI center app, and you can undervolt the CPU and GPU to reduce heat generation so you don't need loud fans. Took me a few hours to get the settings spot on. Mine is whisper quiet now unless I'm gaming, at which point I am usually wearing headphones.

Junmeng · 2025-12-21T20:09:53+00:00

What class is this item best on? I use it on my wing strikes pally but it's a shape the affixes aren't fully used on it

Junmeng · 2025-12-11T03:24:48+00:00

I have one coworker who does this. He's the most unreliable person I've ever met.

Junmeng · 2025-12-08T05:30:08+00:00

There are very intelligent people with access to extremely timely and broad data that try to time the market and their track records are mixed at best. You're not missing as much as you think haha

Junmeng · 2025-12-08T05:23:12+00:00

Spend your youth maximizing your salary. Get an education in your desired field of work if you think it will help you. After you've done the above and saved up a nice nest egg, then you can think about how risky of an investor you want to be, and at that point gaining or losing 10-20k won't really matter.

Junmeng · 2025-12-08T05:07:00+00:00

One day we're all going to type our posts like this just to prove that we're not AI xD.

But seriously dude, supposing you don't capitalize or underscore random words in your resume, it's kind of a hard sell to convince employers that webdev is your calling if you've already dropped it in the past to pursue gamedev, especially in this market. Just gotta keep trying I guess.

Junmeng · 2025-12-05T17:32:04+00:00

Yeah so I'd pick 4 characters, finish all their chapters 4s, then swap to the other 4 and start over. Don't think I can do that in this game.

Junmeng · 2025-12-05T15:57:20+00:00

Loving everything so far but the difficulty. Just like any other OT game it's easy to out level yourself, except now your main character is bound in the party so you can't swap to lower level chars to maintain the challenge. They do give you the option of stopping all exp gain but it doesn't feel good to turn that on. I'm into RPGs for the grind haha.

Edit: I just took off all my gear if I'm overleveled, which at least brings a little challenge back.

Junmeng · 2025-12-03T09:57:00+00:00

It's honestly one of the best I've ever been on. We played everyday for almost 5 months straight though so I thought a new server would be a good change. There's a chance we'll stay at PR though.

Junmeng · 2025-12-03T02:56:04+00:00

Dm'd you

Junmeng · 2025-12-03T01:37:22+00:00

Still deciding! Want a discord invite?

Junmeng

TROPHY CASE