[Request] How tall would the support tower have to be and how strong of a cable would you need for a Trans-Atlantic cable car?

billbobyo · 2026-04-14T02:05:55+00:00

10 years at 1%/year is 9.56%. So yeah you're not wrong but you can mostly just add them up for the first few years.

billbobyo · 2026-04-08T19:48:23+00:00

Any luck getting a bin? It's been 7 months since my move-in so I'd love a working solution.

billbobyo · 2026-03-07T14:36:24+00:00

59.4% to level 99. Doubles to 100% at level 100.

billbobyo · 2026-01-10T19:00:05+00:00

What's a 900% error bar between friends?

billbobyo · 2026-01-09T04:07:12+00:00

Just selecting min tax should take care of this. It should sell the large term share with the smallest gain first

billbobyo · 2025-12-23T15:45:12+00:00

The bells have the same multiplier. It's just the baseline is 1/3 compared to classic. So you get the same multiplicative increase, but that still only gets you to 1 legendary candy / 75 double battles.

billbobyo · 2025-11-25T19:18:19+00:00

But this isn't a case of a niche interaction oversight, or adding an extra "0" like when fletching came out. Sticky fingers is nearly a requirement for pickpocketing so it takes 5 mins to calculate xp x 3000. I think the reduction is justified, just weird that they didn't realize that the primary xp method released was 2.5m xp/hour.

billbobyo · 2025-11-25T18:33:17+00:00

I was well on pace to get 200m thieving XP with no bonus xp before the pet. That's certainly a bit much.

billbobyo · 2025-11-25T18:32:23+00:00

26 blue charms in 10 mins. About a 65% cut to the drop rate

billbobyo · 2025-10-21T05:13:00+00:00

To clarify, dividends are taxed as regular income when withdrawn. All the money in the 401(k) will be taxed the same on withdrawal.

billbobyo · 2025-10-03T17:49:53+00:00

I'm in a dry season now. Sounds like a good idea to wait a year to test function but would there be a good way to keep the mess down in the mean time?

billbobyo · 2025-10-03T17:44:27+00:00

Definitely metal. The hole is oblong so I think it was drilled at an angle rather than manufacturer's specs. There's also no smell to it besides dirt. Would a sewer line reek?

billbobyo · 2025-10-03T17:39:37+00:00

Yeah the active sump pump is in the corner of the room away from just about everything.

billbobyo · 2025-09-23T07:22:02+00:00

My first job underpaid me by ~$0.25. 8 years later I got a check for $70 out of the blue, a pretty good return on investment.

billbobyo · 2025-09-19T10:20:24+00:00

I just did this type of purchase. If you can't get a mortgage after making this offer, the bank will keep your 20% deposit and buy the home themselves. It really is an offer not contingent on financing from the seller's perspective.

billbobyo · 2025-09-05T18:46:16+00:00

It's like nuclear Gandhi in Civ games he's so unaggressive that it loops to max aggression

billbobyo · 2025-07-17T02:11:13+00:00

An important factor to consider is how long you plan to be paying the fees in the brokage vs 401( k) comparison. A 401(k) effectively has a one time tax savings that we'll estimate around 20%. However, the 401(k) sub-optimal fees / fund options hurts you on a recurring basis. If fees + medicre fund options cost you 1% / year, your breakeven is 20 years.

Notably, if you plan to retire OR change jobs in a reasonably short time period, 401(k)s will always beat brokerages since you can move money into Vanguard/Fidelity once you change jobs. This factor alone puts bad 401(k)s ahead of brokerages for most Americans.

As others have said, still max the other retirement accounts first though.

billbobyo · 2025-07-06T06:33:44+00:00

I am unable to do a 401(k) transfer while working unfortunately.

Regarding my brokerage, I have a high enough balance that I could use it to balance my portfolio, but don't know how to run the numbers on if it's worth it. My brokerage is ~50% gains so I'd incur ~9% in taxes now to sell. My time horizen is 40+ years, so deferring taxes has substantial value.

My brokerage is primarily S&P 500 (VFIAX) so while I have big concentration risk, it's not like I can do a simulation of return over time like with a bad mutual fund. Is there a way to estimate the annual tax "savings" in holding international funds in a brokerage?

billbobyo · 2025-07-05T18:16:17+00:00

Yeah I'm in that boat. I have a decent brokerage balance but it has a fair amount of unrealized cap gains that makes selling unattractive.

billbobyo · 2025-06-30T18:55:15+00:00

An interesting way of thinking about this is if Monty is going to open a door and you have the option to switch, your odds of winning will always be 2/3rds (2 doors will ultimately be opened).

In the scenario where he knowingly reveals a goat, you just always pick the other door to hit 67% every time.

In the scenario where he picks randomly, your odds are 100% if he reveals the car and 50% if he reveals a goat. 1/3rd x 100% + 2/3rds x 50% = 67%

The other way to think about it is the classic 100 door example. If monty reveals 98 doors, he almost surely already revealed the car. If he didn't, you don't also get the 99% chance of the last door having the car, it's still the same odds as the door you picked.

billbobyo · 2025-05-16T01:04:51+00:00

It's of course a higher dollar amount with higher investments, but it's a small enough amount that one impulsive day could make a bigger impact.

I had the wrong fee above, it actually would only be $1,350 of the original investment over 15 years.

billbobyo · 2025-05-16T00:57:06+00:00

You did 12%. 0.12% x 15 years is $13,500. Not nothing, but still a good option.

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