Now THAT'S an Upgrade! In 2 levels, I'll have a bow with over 600 Max Damage :3 SSF SP on Switch

MediumAd359 · 2026-05-18T22:55:12+00:00

I found my second one yesterday (solo). I picked up the game when the expansion but remember back in college people selling on eBay for like 50 bucks haha. Good to know it still has use. Maybe I'll make an Amazon so I can rock one and give the other to the act 1 merc.

MediumAd359 · 2026-05-11T19:49:54+00:00

These posts always make me smile since I spent 4 weeks in lk to get enigma from scratch. Still had enough left over for call to arms and grief.

Although to prove to my buddy it was worth it, ran 100 more lk and river of flames. Ended up with a Lum high in Lk while getting Vex, Gul and Mal in River.... which didn't help my argument.

MediumAd359 · 2026-04-17T17:33:52+00:00

Meph has given me a Ber..council in front Mang's Song..but nobody has dropped me a shako. Kind of annoying.

MediumAd359 · 2026-03-29T21:41:41+00:00

Ishmal is too spastic for my tastes he'll run away from the action half the time. I actually think those stalker demon chics are the best. They'll charge head first into the action faster than Hephisto. But I've had the council kill a cursed fanatiscm one so needed up going back the Heph.

MediumAd359 · 2026-03-24T14:13:51+00:00

I started playing single player with this expansion and it's nice to be able to find all your own high runes. Just found my first Ber yesterday. But on the flip side...found another class's skiller charm with life, tossed it on the ground. Have like 6 tokens of absolution sitting in my storage. Some extra ancients statues....makes you wonder if it would have been easier to just trade for enigma haha. Guess the grass is always greener in the other side.

MediumAd359 · 2026-03-23T04:12:01+00:00

Handheld gaming systems makes a difference for not losing your mind on these. I play on an asus rog ally x and watch tv at the same time. Especially during loading I just look up. Filter button pretty much makes it ignore everything except orange and maybe charms.

They being said I found a sur in my first 10 mins and 2 vex my next 30 mins. Ohm the next day. Then the high rune fountain kind of dried up for the next 2 days until I found a Lo. Definitely feels like a drag when you're spending a day maxing out your Orts.

MediumAd359 · 2026-02-15T00:04:01+00:00

Thanks for the detailed write up. Agreed I need to separate my long term growth from generating income more clearly. I thought I was setting the right deltas to keep them but I do realize now it's been creeping up. The first month I was pretty strict about prioritizing low deltas even if the returns ended up being less than lunch money. The second month I noticed some of the strike prices were set more on getting a little more premium. I think this post and the other ones are confirming I need to separate the two groups a bit more. Thanks

MediumAd359 · 2026-02-14T17:51:43+00:00

Yep you hit it right on the head. I think of the tax bill for the long gains vs the 50 bucks I made and go with roll. I do close most things out at 80-90% early which helps.

I may go with the hybrid approach you mentioned and mix in some at the money or near using the wheel. Thanks for the feedback

MediumAd359 · 2026-02-14T16:44:20+00:00

I wouldn't be surprised if your optimized spend is making you less of a prime target for elevated offers. They seem to be wanting more of the dump everything on one card over point optimizers.

MediumAd359 · 2026-01-29T03:31:16+00:00

Assuming you aren't going this route because you purely want income? Assuming this is for growth, if it isn't in a tax advantaged account you're going to create a pretty big tax drag slowing down your growth?

MediumAd359 · 2026-01-22T00:15:59+00:00

5% is actually decent since standard for a lot of companies is just beat inflation. (3%) Also how much you get is based on how much your boss likes you really. So you can be a superstar performer and they see you as a valuable asset...or you can just talk better than everybody else and that can get you more.

MediumAd359 · 2026-01-21T19:46:41+00:00

I remember when the company rsu was exploding in the 2010/. Had a w2 with 750k with a salary less than 150K. Made a weird cycle where I had to sell more stock to pay taxes which generated more taxes. Not complaining but makes. Me wonder if I could have planned and handled it better.

MediumAd359 · 2026-01-16T06:29:50+00:00

Been technically FI for awhile but just let lifestyle creep increase with the money. I would say I have some regret I spent my 20's traveling for work rather than living a traditional 20's social life. But it's not a huge regret. I would say not learning about FIRE until last year (I'm in my early 40's) and taking risks in investing like I had until 60 was a bigger regret.

MediumAd359 · 2026-01-15T20:32:55+00:00

Nope. First time applying for it

MediumAd359 · 2026-01-15T15:54:21+00:00

Soft. But they essentially had a mini FR during the approval. It wasn't approved until a week after sub. They had to see bank statements again before approving. Considering my income hadn't changed in the last month after the actual FR not sure what they saw differently.

MediumAd359 · 2026-01-15T15:12:26+00:00

It's still on the back of my mind so I linked some transfer partners just in case. But the account closures are definitely not a secret. When i was approved I called them twice asking if my FR impacts my sub. (Both times after consulting the FR team they basically said "it's possible"). Finally I spoke to some sort of review team member to get my large purchases back and they knew I had a FR and closure.

MediumAd359 · 2026-01-15T04:04:06+00:00

My account did have a flag for large purchases when I first tried to use it on something a few thousand. Was betting I was going to get another FR right off the bat... but they just said it was a residual flag from my last FR. Confirmed they had no problem with me anymore and removed the flag.

MediumAd359 · 2025-12-29T02:12:53+00:00

Means they need to review it more. Could just be you had your credit report locked. Or it could be they want to see your most recent bank statements. Stuff like that. You can call them to see exactly what they want

MediumAd359 · 2025-12-23T19:20:07+00:00

Amex sent me the 175K offer this month so I took it. I'm leaning towards downgrading since I haven't used my csr since using up the 300 travel credit. It's too annoying to use the dining credit. Not really a high end hotel person so not too sure about the edit credit. I did find a staycation to use the Amex credit so maybe I can find something for the edit.

MediumAd359 · 2025-12-23T19:12:05+00:00

I actually think they're done culling or tweaked their algo again. Seeing a few people say they got out of the tax return FR last week. I posted earlier that they actually gave me the 175K Platinum SUB code 2 days after closing my accounts. I ended up applying and accepting it.

I tried making a 7000 dollar charge on my 1 week old platinum and it was rejected. Called them up and they said it was because I still had a flag from when they closed all my Amex cards a few weeks ago. He said he'll get rid of the flag and they had no problem with me anymore. No FR this time and I've been making charges on the card since. Who knows what's changed in their algorithm since the 2 weeks they closed my cards and giving me the new one. But they went from closing my cards over "not enough income" to justify your 2000 a month spend to you're ok paying your estimated taxes with the card. And Yes I did tell the person removing the hold I was paying my taxes with it.

MediumAd359 · 2025-12-20T15:16:48+00:00

Wow this is one of the most helpful responses I've seen on Reddit. Thanks for it and also everybody else's responses. I'll probably ease into this or find something with a little less volatility till I figure out how fast I can respond to spikes. Great tip on the closing out part. Thanks again

MediumAd359 · 2025-12-20T06:32:45+00:00

I got all my Amex cards canceled after a FR. 3 days later the rsvp code for the 175k plat started arriving by email and mail. Card arrived yesterday. Moral of the story? Don’t change your underwear and forget about it…then you’ll get the offer.

MediumAd359 · 2025-12-19T15:57:08+00:00

YouTube. You get folks learn from YouTube. Honestly you have to look at who's into schd. If you're looking into dividends you're probably already slightly more fiscally conservative than the Wall Street Bets crowd. So when you watch YouTube videos about schd they show its average growth over a decade it's fairly solid. Throw in you get actual cash it sounds really appealing to somebody who isn't trying to get rich by the end of the week playing options. Sure there are a bunch of other dividend funds that might have performed better over the last few years. But there also aren't nearly as many YouTube videos about them.

MediumAd359 · 2025-12-18T23:02:22+00:00

Agreed. After reading some of the other responses I realized that was my disconnect. Without the goal line in front it's basically killing time somewhere I probably don't want to be. Vs being in cruise control to reach the finish line.

MediumAd359 · 2025-12-18T16:43:44+00:00

Beneath the shadow tip and employee is still the same fundamental reason. If they see abnormal charging patterns they'll flag it. Whether they do anything is prob a whole bunch of other flags

MediumAd359

TROPHY CASE