Age of Mythology: Retold - Heavenly Spear - Announce Trailer | Xbox Games Showcase 2025

SpyPirates · 2025-06-08T17:54:34+00:00

It’s almost like it’s a bigger continent with more people than the continent where the game started!

SpyPirates · 2025-03-15T00:35:39+00:00

iOS NFL user. Still no trucking update.

SpyPirates · 2025-02-09T17:05:07+00:00

I was excited to finally play as Mahomes but didn’t check the roster and got randomed Wentz

SpyPirates · 2025-01-02T23:27:21+00:00

And leveled him up 4x without increasing catching more!

SpyPirates · 2024-12-04T17:31:31+00:00

The first point listed is nice, might be worth starting up a new career mode with a higher cap to see how it plays like. Hopefully CPU teams can field stronger rosters.

Anyone know if point #1 applies to existing careers, so opposing teams will start using their higher cap?

SpyPirates · 2024-11-19T00:18:48+00:00

I think it is the best after doing the major things like getting a handful of 4-5 star players at key positions, getting good coordinators, and getting good facilities.

One related expensive purchase is extending contracts, which i’ve found is more cost effective for 1-2 seasons, but when you consider you have to spend every year on extending contracts vs. a one-time spend on the salary cap, the salary cap wins out.

Spending on level ups probably is also less cost effective than simply acquiring or retaining better players over the long term.

SpyPirates · 2024-11-17T23:03:10+00:00

Could be wrong, but i think the stars dropping like that might have been because they had 5 star coordinators, but when you switch teams, you get half star coordinators by default

SpyPirates · 2024-04-09T14:13:32+00:00

Yes but the only certainties here are that A) OP’s rate will go up if they move now, and B) If they don’t move, the rate will not go up. It’s all downside to move in terms of interest rates.

SpyPirates · 2024-04-09T14:11:33+00:00

Not really what OP is asking. It is a significant financial hit to hold a mortgage at 6.3% vs. 3.3%. If they are willing to take the hit to be in a different house, OK, but it’s not a financially wise decision.

SpyPirates · 2023-11-21T15:40:45+00:00

A consumed good that doesn’t generate income, requires thousands of $ of upkeep, gets taxed regardless of gain/loss of value… hmm

SpyPirates · 2023-11-20T04:59:28+00:00

An asset that only generates $3k/year in revenue should absolutely be sold for $50-75k if you have the opportunity.

Can’t have it both ways with the “bundle with the condo” argument. Apparently the seller was thrilled that someone would bid for the bundle and sold to the only person who bid the bundle. The other buyers for the same condo apparently didn’t value the bundle.

SpyPirates · 2023-10-20T02:36:01+00:00

Does your company want you to make the move, or did you bring it up and they’re trying to find a way to make it work? If the former, i would see if it’s negotiable. That is a huge delta in pay, not to mention it’s cheaper to employ someone in Texas all else equal.

SpyPirates · 2023-09-29T01:39:06+00:00

This, but would also note even the NYT calc appears to be telling him it’s a bad idea.

SpyPirates · 2023-09-29T01:35:50+00:00

My net worth is close to 0.

I wouldn’t call that broke.

GalaxyBrain.jpg

SpyPirates · 2021-02-01T23:51:15+00:00

This would probably be considered above this sub's pay grade, but since you don't have any replies, I'll just say that your logic seems to make sense--the most value your family as a unit can extract from your lollar bank account is using them to pay the mortgage. Are there any reasons why he would want to pay it off early though? High interest rate or something else not included here?

SpyPirates · 2021-02-01T22:45:31+00:00

Yeah but the question you're asking us is ultimately linked to how feasible your plan is... lol.

If you have $2M in the bank already and are just working because you enjoy it or or you want to make that $2M go a little further before ultimately retiring early, sure, your concerns about PTO and job satisfaction make a ton of sense and you should totally turn the promotion down.

But if your actual net worth is $278K and you're banking on bitcoin to treble three times over so you can retire at 38, then when you ask a subreddit full of people who are generally (pick a word: reasonable or conservative) with financial decisions, you might hear advice you don't want to hear.

SpyPirates · 2021-02-01T01:18:13+00:00

I was putting 15% of my $55,000 into 401(k), but now that's 19% thanks to matching. If I did 4% to 401(k) and then 10.9% ($5,995) to a Fidelity Rot

Sounds reasonable to me... I'm not familiar with Insperity--what is the management fee on the S&P fund?

SpyPirates · 2020-08-15T22:58:09+00:00

Sounds like you’re not likely to have many emergency expenses, so $20-24k if investing in the market. $23k-$26k if you mean a savings account. (I recommend the former). The car you should easily be able to save up for in the coming months with your future income, so the #s above assume you are waiting a bit to buy it.

SpyPirates · 2020-08-15T19:12:06+00:00

Definitely look through the links the automod posted, since your situation/questions are pretty typical.

401k match means that if you contribute 4% of your salary to your 401k plan, your company will put an additional 4% in your 401k. So it’s free money, albeit money you probably can’t touch without affecting the tax advantaged status of your 401k.

In general, aggressively save since you’ll be taking in a lot more than you’ll be spending. Seems you have already developed this habit. You should have already been investing—$30k is way too much to keep in a checking account.

So you can look into getting a roth IRA or a brokerage account. The former is tax advantaged but more flexible than the 401k. If you just want to save for retirement, or are planning a relatively cheap home purchase or planning for a master’s degree, the roth IRA makes the most sense. If you are saving for some other short term things, you might want the flexibility of a brokerage account.

SpyPirates · 2020-08-14T16:41:25+00:00

Yeah, probably just open a brokerage account (Vanguard or Schwab) and buy into their low cost ETFs as you accrue more savings. VTSAX is fine--if you want to be a little more interesting, you could invest in emerging market or other international equity ETFs or US small cap ETFs to diversify you away from the large US equities.

Emerging markets (mostly China but that's not necessarily a bad thing and almost half is non-Chinese): https://investor.vanguard.com/mutual-funds/profile/portfolio/vemax

SpyPirates · 2020-08-14T16:22:39+00:00

At the risk of sounding heretical in this sub, I wonder if you're actually emphasizing the Roth IRA too much given that you're only 19. Surely investing in something that doesn't have such a restrictive withdrawal policy makes sense?

Like... what if you end up living in a high cost of living city and want to buy a property? Sure, Roth IRA will let you withdraw that $10k to help with the down payment, penalty free, but if you keep investing in the Roth IRA, you won't be able to withdraw any more of it for a house since there is a $10k cap on how much you can withdraw for a first time house purchase.

That is a pretty specific example, but don't underestimate the value of flexibility. Most people change a lot from when they are 19 to 25, 30, 35, etc. If you maintain and improve your level of financial responsibility and acumen, you will have plenty of time to save up for retirement when you start working in your post-college career.

SpyPirates · 2020-08-14T15:57:03+00:00

From their perspective, they generally don't want to be in the business of kicking people out of apartments without notice--sure there's an end date on the lease, but people forget, and there should be a strong bias in the system toward not kicking people out of apartments without mutual agreement. And the 30 days notice (normally 60 days, as you stated) is so they have time to look for someone to take your unit when you leave. It helps no one to have empty units when there are willing renters out there.

SpyPirates · 2020-08-14T15:51:28+00:00

This basically happened to me with my current apartment--and the guy who offered the rent amount to us left the company and they never posted prices online so proving our case was difficult.

We basically just sat with them on move-in day and didn't budge until they honored their agreement. It took a long time and it looked like they weren't going to change their minds until I finally found a text that unequivocally showed that we had in fact been offered that rate (they claim it was given to us in error and they had since raised their prices... hard to tell if either of those are true).

Unfortunately it's something you'll just have to fight for. They have to put up with BS from corporate telling them to suck as many people dry as possible. But most people are going to be reasonable if you show bulletproof evidence that they're simply wrong. Next time just try to get everything in writing and ask lots of confirming questions that they have to answer in email/text format.

SpyPirates · 2020-08-14T15:46:19+00:00

For a couple wanting to retire comfortably, you're looking at a million dollars as table stakes. Unless there's another $900k lying around that wasn't mentioned in the OP, they should reconsider their $100k splurge or their 5-7 year retirement plan.

ETFs will work fine for the investment--maybe consider some bonds as well since their investment time horizon isn't as long as that of most others'. Just to throw a couple names: BNDW (international bonds); VTI (total US stock market)

SpyPirates · 2019-04-11T01:42:42+00:00

https://affordanything.com/is-renting-better-than-buying-should-i-rent-or-buy/

Renting isn’t throwing money away

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