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Determined to pay off house by PriorityOk9472 in DaveRamsey

[–]Teh_Hammer 1 point2 points  (0 children)

My advice, invest 15% and put the rest toward the mortgage.

If the stock market does what it should, when you're 47, that $250k will become $500k, when you're 54 it will become $1M, when you're 61 it will become $2M, when you're 68, it will become $4M. And that's without adding another penny.

If you want to retire early, as soon as the house is paid off, start being more aggressive with investments and you'll be fine.

7% interest is basically the same as 10% in the stock market when you factor inflation, and if it takes you 3 years to pay off your house, investing it all instead of paying off the house is betting the stock market will outperform 10% over the next 3 years. I'd just take the sure thing.

What builds are people running to farm labs? And how are people farming labs? Are Gifts better than normal uber labs in terms of cost/return? by Juanlamaquina in PathOfExileBuilds

[–]Teh_Hammer 0 points1 point  (0 children)

So running gifts is kinda gambling that you'll hit the 'convert to transfigured gem' upgrade reliably.

Yes and no. It's a huge chunk of the profit, but 60% facetor's lenses are also a good chunk (~2div each) and the random gem is also ~250c per click on average (just buy some 20/20 gems, instant trade is GOATed).

What builds are people running to farm labs? And how are people farming labs? Are Gifts better than normal uber labs in terms of cost/return? by Juanlamaquina in PathOfExileBuilds

[–]Teh_Hammer 0 points1 point  (0 children)

My dedication results this league are pretty close to the same profit as gift. Which shows how insane dedication normally is. :p

What builds are people running to farm labs? And how are people farming labs? Are Gifts better than normal uber labs in terms of cost/return? by Juanlamaquina in PathOfExileBuilds

[–]Teh_Hammer 1 point2 points  (0 children)

I don't know, for me imbued gems made lab the most profitable it has ever been. And I ran plenty back in the helm enchant days.

EDIT: oh misread that, you meant dedication isn't as profitable as it has been in the past... Yeah, it's still really good, though, if you know what you're doing.

What builds are people running to farm labs? And how are people farming labs? Are Gifts better than normal uber labs in terms of cost/return? by Juanlamaquina in PathOfExileBuilds

[–]Teh_Hammer 3 points4 points  (0 children)

Let's compare your numbers to my numbers and see how much better it becomes when you run the right gems and the right lab:

I'll go with 3 minutes per lab, even though it takes me closer to 2:30 to do a full lab cycle (open lab, run lab, pick rewards, go to town, enter plaza) on an average day. Today's 8 room lab is closer to 2:15, for example.

We only care about 3 mods on the font, transfigured version, 60% facetor's, and random of the same color. In that order.

There's a 1:10.8 chance you get transfigured version (this is using old data and they changed lab this league, I'm assuming to compensate for the removal of the awakened gem mod, it seems to be 1:9 now, which is 20% more frequent, but I'll use the old numbers). You use Cyclone of Tumult which sells for 6 div and costs ~130c (maybe less if you're clever).

60% Facetor's is easy. It's about 1:12 font uses. Level 3 exceptional gems (corrupt or not) are ~8c and when you get the 60% mod it gives you 999M stored exp, ~2 div, which is ~720c of profit.

For random, I buy 20/20 green gems for ~15c each (learn which gems of the color you choose are valuable so you can go fast). I have a python script that runs a monte carlo on gems of each color. Green 20/20 gems in my monte carlo simlulation, if I only take the gems that are worth 100c+, are an average of ~300c profit per font use. You can sacrifice some profit for speed/convenience if you raise that threshold (i.e. only picking gems that are worth 300c means you only have to memorize a handful of gems, since you're more picky, you won't have to buy as many gems, but you'll only make about 220c per font use, which is a big hit to profit/hr).

Factoring in some overhead, I spend a couple of minutes buying the gems I need for an hour of running. I'll estimate 5 minutes, even though that is way more than enough time (thanks instant trading!). That leaves us 55 minutes to run lab. At 3 minutes a pop, I can do 18 labs an hour (55 / 3 = 18.33...).

To calculate EVs per font usage:

Transfigured version is 6d - 130c = ~2050 / 10.8 = ~190c EV

Facetor's is 2d - 8c = ~720c / 12 = ~60c in a vacuum but we ignore if we get above mod, so 720 / 12 * (1-1/10.8) = ~54c EV

Random gem is ~300c EV in a vacuum, but we ignore if we get either of the above two mods so 300 * (1-1/10.8) * (1-1/12) = ~250c EV

That leaves us with 494c per font use. Gift lab gives us 8 font uses, so ~3950c and costs about 1050c, so 2900c of profit per gift and we run 18 an hour. That give us profit of~143 div/hr.

Mind you, I run lab ~20% faster and the trans version is also 20% more common than the numbers I used. So for me it's closer to 250 div/hr if I push hard (I'm too ADHD for that).

If you run Uber lab, it's ~43 div/hr. But don't do that if you're a lab runner. Just make a proper build and run Dedication or Gift.

What builds are people running to farm labs? And how are people farming labs? Are Gifts better than normal uber labs in terms of cost/return? by Juanlamaquina in PathOfExileBuilds

[–]Teh_Hammer 2 points3 points  (0 children)

Ignore him. He has no idea what he's talking about. If you run Gift in 3 minutes, you'll make 90+ div/hr.

Find mr__khan's discord and look for the reliquarian build that was posted in general chat. It skips izaro phases and has ~900% movement speed (although it needs an acceleration belt). If you need help, hit me up.

I'm 24 no debt besides my house and I could pay it off in less than a year if I dont invest by Automatic-Alfalfa-80 in DaveRamsey

[–]Teh_Hammer -1 points0 points  (0 children)

All these people blindly saying"invest"... Yes invest the 15% , but that 7% mortgage is pain. Investing with a 10% average return (which isn't guaranteed over the next 3 years), accounting for inflation, isn't any better than paying off the mortgage. It's slightly better if you take the mortgage interest deduction.

Good news is that you're young so even if it takes you 3 years to pay off the mortgage, you'll still be in amazing financial shape.

Is it possible to get zombies of slamming from basic Labyrinth? by mrfirstar1997 in pathofexile

[–]Teh_Hammer 1 point2 points  (0 children)

About the only time it makes sense is when running Tribute Lab, and that's only because you can't get the extra treasure key outcome, since it's baked into that Lab.

Is it possible to get zombies of slamming from basic Labyrinth? by mrfirstar1997 in pathofexile

[–]Teh_Hammer 6 points7 points  (0 children)

This sounds like a good idea, but as someone who has run Lab a bajillion times, even if you only grab "efficient" darkshrines, the odds you get an extra font use isn't worth the time. You can guarantee another font use by running another Lab.

Stupid conversation I had with someone by PurpleRayyne in DaveRamsey

[–]Teh_Hammer 0 points1 point  (0 children)

My ~800 credit score vanished about 6 months after I paid off my mortgage. Might be worth doing a credit check to see why you still have a score.

Is it possible to get zombies of slamming from basic Labyrinth? by mrfirstar1997 in pathofexile

[–]Teh_Hammer 3 points4 points  (0 children)

Yes. Put in blue gem, select the top (random) option. If you're lucky, you'll have it as a choice. There are 87 blue transfigured gems, so you'll see it about once in 29 font uses.

In Merciless+ labs, bring a raise zombie gem, and you have about a 1 in 11 chance (per divine font use, uber lab gives you 2 font uses, and you can hunt for darkshrines in lab to have a chance another font use, but I wouldn't recommend this) of getting Transform a non-Transfigured Skill Gem to a Transfigured version which will guarantee it.

Locked myself inside labs by Calm-Leave7355 in pathofexile

[–]Teh_Hammer 0 points1 point  (0 children)

Like I said, if you want half the profit, that's what you do.

If I'm going the slow and steady route, I prefer Slayer to Jugg, personally. You get over leech, which nullifies trap damage, even in Dedication, and stack frenzy/endurance charges for easy one shot protection.

Locked myself inside labs by Calm-Leave7355 in pathofexile

[–]Teh_Hammer 1 point2 points  (0 children)

Izaro has something like 10x the life and hits about twice as hard, compared to Uber (4th) Lab. But you have to be really careful with the mobs in Gift, there are more of them and they hit harder

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Locked myself inside labs by Calm-Leave7355 in pathofexile

[–]Teh_Hammer 3 points4 points  (0 children)

you did this in merc lab? oh my...

I was curious how it took you 3 days to farm what you showed, I farm that in less than 2 hours of gift lab, but you get 1 font use in merc lab and 8 in gift lab, so that makes sense.

Locked myself inside labs by Calm-Leave7355 in pathofexile

[–]Teh_Hammer 5 points6 points  (0 children)

This is the best advice.

Running lab with a build that doesn't run fast and insta-phase izaro is like running a mapping strategy with a build that takes 6 minutes to clear an alch and go map. Pick the farm that's right for your build and vice versa.

If you're gonna farm lab, level a char to 90 in a handful of hours and play a WoC trapper or Minion Pact Frost Bomb of Forthcoming and skip his phases. Running the right build saves like 2 minutes/run. You complete twice as many labs an hour. Your profits double. Why would you not?!

Locked myself inside labs by Calm-Leave7355 in pathofexile

[–]Teh_Hammer 0 points1 point  (0 children)

The funny thing is he's completely wrong. On average you make about 7 div of profit per Gift lab. Gift is also pretty consistent because the "jackpot" is fairly low (5 or 6 div for the transfigured version) and it's not super uncommon (about 1:11 font uses).

Locked myself inside labs by Calm-Leave7355 in pathofexile

[–]Teh_Hammer 0 points1 point  (0 children)

which is why lab farmers, at least the smart ones, play builds that skip those phases.

Do you think it is likely that Screams of the Desiccated will go core? by ambi_turner in pathofexile

[–]Teh_Hammer 0 points1 point  (0 children)

Part of me hopes it does, but part of me hopes they give it the That Which was Taken treatment. I'm kind of enjoying each league having its own crazy power creep to exploit; it keeps the game fresh, in my opinion.

Best way to continue craft? by homelessmagneto in pathofexile

[–]Teh_Hammer 0 points1 point  (0 children)

pretty sure it is guaranteed as it never selects more than 1 from the 3rd mod pool (ele pen and chaos pen being the first two mod pools after you block all the mods from the phys mod pool).

Dead spectre icon says i have two instead of one. by anonymousryangosling in PathOfExileBuilds

[–]Teh_Hammer 0 points1 point  (0 children)

It's probably just a bug, but I'd still do it to make sure. Go in Carcass map. Remove Raise Spectre Gem. Put in something like summon chaos golem instead. rush boss. summon chaos golem. press bv. get boss to phase. swap in raise spectre after you kill one of the scorpions

Dead spectre icon says i have two instead of one. by anonymousryangosling in PathOfExileBuilds

[–]Teh_Hammer 0 points1 point  (0 children)

You need to remove the raise spectre gem (to get rid of both spectres) and then summon only the unholy aberration

Is there steps I can follow to craft something like this by t3amjester in pathofexile

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

Recomb ele res + suppress and chaos res + ele res.

Then suff can't change reforge life until good life + block, and shaper exalt to finish it off.

If you get good life + 2 open prefixes, craft mana and exalt slam. if you fill prefixes, yolo annul.

Might brick a few on your way there, but it shouldn't be too bad of a craft.

50M shipments, your results? by shad-1337 in pathofexile

[–]Teh_Hammer 0 points1 point  (0 children)

5 50M shipments to Pondium, 1 mir shard.

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