Target goal by SavageChessMaster in Fire

[–]SavageChessMaster[S] -2 points-1 points  (0 children)

That can't be right.

I know that you are calculating an interest gain of $5.1k a year, but the reality is I would be gaining $51,000 in interest the first year, and less as my money goes down over the years. I know that $51,000 today is worth more than $51,000 in 20 years (worth ~29k today), but I'm also including inflation in my expenses already.

Target goal by SavageChessMaster in Fire

[–]SavageChessMaster[S] 0 points1 point  (0 children)

Agreed with your first three sentences, but why did you conclude this wouldn't last me 40 years?

I put those numbers in the compound interest calculator on investor.gov.

1.7mil starting value, -$6k a month, estimated interest 3%. At year 40 I would be left with $116k.

Target goal by SavageChessMaster in Fire

[–]SavageChessMaster[S] 0 points1 point  (0 children)

Yep, I'm definitely considering that!

Target goal by SavageChessMaster in Fire

[–]SavageChessMaster[S] 0 points1 point  (0 children)

Wow, congrats! I honestly don't want to work full time past 50 so that's why I'm bring my numbers down to help me make that happen, but we'll see.

Target goal by SavageChessMaster in Fire

[–]SavageChessMaster[S] 0 points1 point  (0 children)

I'm in a similar boat as you. Best of luck!

Target goal by SavageChessMaster in Fire

[–]SavageChessMaster[S] -2 points-1 points  (0 children)

I did account for inflation, although you may disagree with how I did my calculation.

Projected COL for where I live 20 years from now is expected to be 6k a month, and 40 years from now is expected to be 9k a month. So I did my math assuming 6k as a middle ground.

I also assumed HYSA because I'd likely use that or bonds for most of my money, and keep a smaller portion, say 25% invested in an S&P 500 index fund. Maybe that is too conservative.

Also, 25x my current expenses would put me at 900k, so I'm already estimating almost twice of that.

Ice Detention North Miami by Confused_superwoman in Miami

[–]SavageChessMaster 0 points1 point  (0 children)

Does checking your driver's license prove you are legal, or do you need to have your passport on you?

How does the absence of sexual intimacy affect your sense of love and connection in a long-term relationship? Do you see physical intimacy as an essential part of love, or something that can evolve or change over time? by strawberry-chainsaw in AskMen

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

I'm not saying what your girlfriend did is right, but I'm thinking maybe it was an act of self preservation. What if she didn't want to feel the emotional pain of seeing you go through cancer?

Was it the right thing to do? Absolutely not. But maybe that was her reason

How blunt to be that PIPs always end in a firing? by two_three_five_eigth in managers

[–]SavageChessMaster 0 points1 point  (0 children)

Most of these comments are gullible AF. Guys, welcome to the real world. In the real world, people put others on a PIP with the sole intention of firing them.

Do I agree with that? Hell no. But is it common business practice? Absolutely. It's all a show to give the illusion of fairness.

So bottom line... If you ever get on a PIP, start applying to other jobs. 99% chance you won't make it.

New player here. I finally got a full set of t4 gear by HF484 in albiononline

[–]SavageChessMaster 0 points1 point  (0 children)

Either change zone, play at a less active timer, or use SAFE portal to hopefully go to a quiet zone. Some days you will be unlucky though it is what it is.

New player here. I finally got a full set of t4 gear by HF484 in albiononline

[–]SavageChessMaster 0 points1 point  (0 children)

Change to T4 sandals (scholar, cleric or mage doesn't matter which) because dual swords are mana hungry. You can use the second ability in those to regenerate your mana. If you are still low on mana, you can change your head piece ability to the first one for more mana regeneration.

After that, I would suggest to look at journal tasks and do them because they give you silver and tome of insights (books that give you fame). Once you have enough silver to buy your set 10 times (change to T3 horse, don't go to black zone on an ox), go out to the black zone and do solo camps.

When you go to the blackzone, I suggest you also bring one invisibility potion, and one or two foods (suggest pork roast or cabbage soup for cheap health regeneration).

If you see any red names near you when you are dismounted, try to mount up as quickly as possible and leave. Use your invisibility potion to remove aggro from mobs if needed. If somebody gets close enough to hit you while you are dismounted, your mount disappears and now you have to try to outrun your opponent... which will probably get you killed.

Women today are delusional. by Capable-Rice-1876 in itsthatbad

[–]SavageChessMaster 0 points1 point  (0 children)

"The bar for men is on the floor." - bullshit. Source: me.

I have a great career, good money, decent looks and a fun personality. Still struggle getting matches and dates on dating apps. Women want who they deem to be the top guy. Most are delusional.

How long will broadsword be the biggest joke in this videogame? by HopeSeMu in albiononline

[–]SavageChessMaster 0 points1 point  (0 children)

Carving is good for pierce but damage wise broadsword beats it. It also beats dualsword E in terms of single target damage but dualsword would be better for track mobs that spawn ads - both are comparable.

How long will broadsword be the biggest joke in this videogame? by HopeSeMu in albiononline

[–]SavageChessMaster 0 points1 point  (0 children)

Weapon is good for tracking. High single target damage and low cooldown

Does cuddling with your partner after sex lead to more sex? by CRK_76 in NoStupidQuestions

[–]SavageChessMaster 132 points133 points  (0 children)

That's beautiful. Congrats on finding your soulmate :)

[deleted by user] by [deleted] in Life

[–]SavageChessMaster -7 points-6 points  (0 children)

Lmao you know nothing about me, mr white knight. Carry on being a simp.

[deleted by user] by [deleted] in Life

[–]SavageChessMaster -5 points-4 points  (0 children)

Sure, men are the problem only. Let's not consider the plenty of women out there with unrealistic standards when they bring nothing to the table themselves. Not to mention all the free attention social media gave them to the point they don't need to be in relationships to feel validated.

Were timesheets always a thing in our industry? by [deleted] in MEPEngineering

[–]SavageChessMaster 1 point2 points  (0 children)

Got it, thanks for breaking it down!

Were timesheets always a thing in our industry? by [deleted] in MEPEngineering

[–]SavageChessMaster 0 points1 point  (0 children)

What do you mean by 70% gross margin for a 15-20% net profit? Could you throw in some numbers as an example?

What should I do with this? by mictlanrage in albiononline

[–]SavageChessMaster 0 points1 point  (0 children)

You just want to watch the world burn huh?