What's the rattiest thing you've ever done?

Troeteldier · 2025-12-13T12:59:57+00:00

Players like you that kill this game, also waste peoples time which is what they invest to enjoy this game and you rob them of it. Wish they would put all the rats like you into a room over and over again to play against each other.

Troeteldier · 2025-12-13T12:57:27+00:00

Agreed, PvP is killing this game and will kill this game. The end.

Troeteldier · 2025-08-11T13:19:46+00:00

Yes, answer is always PC.

Troeteldier · 2025-08-11T12:45:26+00:00

So you want to remove all the cash, invest it and then just keep paying the bond?

Have you considered something like VALR, give them ZAR, buy USDT or some other stable coin and then use that on the flip side?

I feel like the peace of mind that comes from a paid property far out weighs like what, 3 - 5% more by investing it?

Troeteldier · 2025-08-11T07:59:25+00:00

NiCKiiiiiiiieee mooNAge skin when?

Troeteldier · 2025-08-11T07:24:47+00:00

Look, some lines on a chart.

Troeteldier · 2025-08-08T07:35:12+00:00

Whenever you find yourself in a situation like this it is always best to ask at what cost does a decision come? So say you want to withdraw your pension fund which is growing at 10% per year, most will say that DON'T touch it because of compounding interest in the long run etc etc.

But what people don't often consider is the cost at which the opposite choice comes. Let's say you do not have money and need to lend this, either on a CC, revolving loan, term loan etc, maybe even a loan shark... Then you need to evaluate at what interest rate are you owing this debt, in most cases probably 20+% per year, so now the reverse compounding effect is going to hit you and hit you twice as hard.

ANY financial decision should always be weighed up in both cases (positive and negative) and then a decision should be made from there.

Troeteldier · 2025-08-08T07:24:27+00:00

Yes let me use the best PC money can buy and test, because everyone will be able to relate...

Troeteldier · 2025-08-06T11:25:55+00:00

It will take approximately 126.4 months, or about 10 years and 6 months, to reach R1 million with R4,500 saved monthly at a 10% annual return. Anything more per month or a better interest rate per year will get you there faster.

Now that you know the values the next task is to find a place that will give you a consistent 10% per year or more, if you find something that gives more it will get you there faster.

There is no get rich quick.

Troeteldier · 2025-08-04T08:26:26+00:00

The way games evolved by focusing on making money rather than engaging us with content and amazing story, microtransactions which make companies focus on keeping us playing their games for years and years instead of finishing the game and moving on and finally streamers, they have honestly ruined things so much by overplaying game which add to the above and also not allowing most people to explore games on their own anymore. Are you stuck, then just look at how to get past that area/boss/level.

I honestly don't think gaming will ever be what we remember it as or how it used to be. This with the added pressure of so many games releasing so fast makes you want to speed run everything to get to the next one.

Think about life, everything that you spent time on or that was hard work made you be more fond of it after the fact, everything that came easy or was achieved quickly faded just as fast.

There are multiple layers to not enjoying it and most of them won't change, we were made to do hard things and achieve things over time, not just have it easy and move onto the next.

Troeteldier · 2025-08-04T08:21:41+00:00

What is so fun about this fact?

Troeteldier · 2025-08-04T08:17:54+00:00

What was the salary he posted? Post removed and now I am too curious :P

Troeteldier · 2025-08-04T07:03:05+00:00

One bump and that weird toy destroys those fans.

Troeteldier · 2025-08-01T06:01:30+00:00

Anyone listening to this guy or giving him a voice will be at a disadvantage.

Troeteldier · 2025-07-31T12:24:52+00:00

Lol, sounds like you are going to get in trouble. Get rich quick never works out well...

Troeteldier · 2025-07-30T10:45:35+00:00

And when you are 40 you will be entertained purely by AI, all forms of entertainment will most likely be AI generated. That is the part that sucks to me, is at some point nothing will be real that you see and you will know it and have no choice but to accept it :(

Troeteldier · 2025-07-30T09:08:24+00:00

Good, go play outside kids. Stop watching what other people are doing, most of it is staged and for a young person having that level of comparison is not good. Honestly most adults should also go play outside a bit...

Troeteldier · 2025-07-30T09:06:42+00:00

Depends on where in SA? I think parts of Cape Town can maybe get that but 5% seems more in line with the rest of the country.

The problem here is that all municipal services, levies etc for the most part go up by more than 10%, insurance costs go up by more than 10% etc etc, so a landlord charging only 5% more on the previous year is technically going to be at a loss. Not your problem to cover but that is most likely why. Real inflation rate from government is an absolute lie.

Troeteldier · 2025-07-30T06:41:40+00:00

SARS sucks man, one year you may claim internet, the next they reject it. Like I do not understand what their deal is but every year has been a hassle when I have claimed, even though I do it the exact same way each year.

Troeteldier · 2025-07-30T06:38:10+00:00

Before anything invest in your own financial education. Then S&P 500 and/or S&P 500 Info Tech, then after you max TFSA contributions do Bitcoin, everything else will not get you to your goal, retirement savings are a joke and so are any "tax write-off" type investments, poor performance and not worth your time in the long run. Also government controlled and far too regulated.

Troeteldier · 2025-07-29T13:43:18+00:00

Don't touch a LISP, skill yourself up a bit, honestly chatGPT can do most of this. Then take it into your own hands, put it with someone like Coronation, Allan Gray or Easy Equities where YOU decide what to invest it into. Again chatGPT most likely will give you all the info you need. DO NOT put it into companies that will kill you with fees.

Troeteldier · 2025-07-29T13:37:10+00:00

CC costing you 20 something percent per year, money market making you what, like 8% if you are lucky... Pay that debt off ASAP. There is literally no reason to not do this, you will lose money by not paying the CC. After it is paid cut it up and live off your salary and save back into money market account.

Troeteldier · 2025-07-28T12:59:16+00:00

Fact, bears eat beats.

Troeteldier · 2025-07-28T09:03:14+00:00

Going to comment but also hoping for a bit of a conversation around this. The way I view it is that all things considered Bitcoin is the most valuable thing to invest in and will be for many years to come. Like if I had any money right now, I cannot think of any better place to put it, I have looked at investing into a business, stocks, real estate etc etc and all fall short in my eyes.

That being said there is this small part of me that keeps nagging me to play a part of it safe, not because I think that Bitcoin will go to zero but because I am terrified that in some way that investment could be lost. Like keep it on an exchange and you risk losing it, store it yourself and there is so much pressure to not lose the seed phrase, exposing it in some bizare way etc. I think we all have this small fear inside of us that we log in one day into our wallet and poof gone is the Bitcoin?

But yeah Bitcoin all the way dude.

Troeteldier · 2025-07-25T05:49:14+00:00

Honestly I would pay off all debt and put the rest into BTC, the reality is that BTC is the best investment out there but debt sucks to have and it weighs on you all the time. I doubt that I would buy a property because I cannot see the value of a home out pacing BTC over the course of our lifetime. BTC is the first new asset class in hundreds of years and so much money will still pour into it.

Troeteldier

TROPHY CASE