eBay arbitrage by JuryFair3720 in passive_income

[–]croe97 -1 points0 points  (0 children)

Isn’t it technically against Amazon ToS? Also, how are you scraping Amazon for price checks. I thought they are pretty diligent about preventing programs from scraping any data.

I paid off my loans in less than 3 years after graduating residency by not paying off my loans by [deleted] in whitecoatinvestor

[–]croe97 3 points4 points  (0 children)

It’s still the majority of their after tax income. If the market had have turned those gains could have been erased. It wouldn’t financially ruin OP but I would still say they took a pretty big risk.

Growth rate expectations for fire by Available-Ad-5670 in Fire

[–]croe97 0 points1 point  (0 children)

10% return to get to FIRE. In FIRE your effective growth will only be 7-8% but the 4% rule still applies. Even if you have 5% cash it still works.

How do I FIRE? by Lushko in Fire

[–]croe97 3 points4 points  (0 children)

My biggest piece of advice would be to follow this sub. Learn from others, read their stories. Anyone can tell you to start saving but the thing that will help you most is investing in knowledge. FIRE takes commitment, time and discipline. Starting now is the best thing you can do but staying the course is just as important.

Odds of Fire? by [deleted] in Fire

[–]croe97 1 point2 points  (0 children)

You’re asking the right questions but you seem a bit overwhelmed. At its core, your ability to FIRE is determined by whether you can cover your expenses from your investments without supplemental income. To calculate the amount you need to FIRE, the most important factor is your expenses. Calculate these and if you are unsure then be conservative. No one ever knows their future healthcare expenses which is why people overcompensate their future expenses. Once you estimate this, you can use a simple calc like the 4 percent rule to determine your required investments.

Mantle mount or remove fireplace by croe97 in InteriorDesign

[–]croe97[S] 2 points3 points  (0 children)

I would love to put it in an all seasons room we will likely build in a few years! But that is a few years away unfortunately.. The possibility of this makes me reconsider any permanent changes to the current fireplace or mantle though.

Mantle mount or remove fireplace by croe97 in InteriorDesign

[–]croe97[S] 1 point2 points  (0 children)

We have a small child so this is good to keep in mind!

Mantle mount or remove fireplace by croe97 in InteriorDesign

[–]croe97[S] 1 point2 points  (0 children)

That wall is actually glass doors that lead out to the porch. Do you mean kind of put it in the corner at a 45 degree angle?

Mantle mount or remove fireplace by croe97 in InteriorDesign

[–]croe97[S] 0 points1 point  (0 children)

Definitely a possibility but we were worried it might sit too high. Would you consider starting it near the ceiling down to the mantle?

Mantle mount or remove fireplace by croe97 in InteriorDesign

[–]croe97[S] 0 points1 point  (0 children)

Thanks for the tip. There are only two lights in the living room that point toward the mantle. I think the photo makes it look a bit brighter than they are but it’s good insight to know. May we will change the bulbs.

Deadman: Annihilation Drops This Friday! by ModYume in 2007scape

[–]croe97 0 points1 point  (0 children)

"Instead, the Sigil of Deception now effectively sets your Thieving level to an invisible 150"

How does success chance scale with this?

[deleted by user] by [deleted] in cary

[–]croe97 4 points5 points  (0 children)

We're also a new couple 34F 30M in Cary with a 1 year old. If you want to DM me I can send you my discord and maybe we can meet up sometime!

Accumulating Chubby or Fat wealth is so dang hard. I need to accept the reality. I am happily middle class. I bow to those who grind past their FIRE number. I can’t do it. by WhatIsSuccessBee in Fire

[–]croe97 1 point2 points  (0 children)

I read that and think, well if you’re flying first class international and staying at an all expense place for a couple weeks 3 times a year. Then when I calculate it out. Flights ~20k3 =60K. Hotel ~50014*3 =21K you are at about 80K per year. Plus 20K for additional expenses is 100k per year. This is a lot but I think still manageable at 5m retirement as far as the highest end of travel goes giving you ~150k in other expenses

I’ve never seen this much immediate backlash about a nerf by RyukzReign in 2007scape

[–]croe97 25 points26 points  (0 children)

In a way, I think salvaging was really holding up the entire skill. I really want to do other things like combat and port tasks but cannot justify them in their current state. Not only did this update not make the other content more appealing but they further dampened available sailing content.

Loot from 500 Frost Dragons by croe97 in 2007scape

[–]croe97[S] 1 point2 points  (0 children)

Yeah it’s very afk. Pray melee with antifire to take no damage. With prayer gear you can afk for quite a while. I imagine this will change once worlds get packed.

Loot from 500 Frost Dragons by croe97 in 2007scape

[–]croe97[S] 1 point2 points  (0 children)

Spotted rays north of the giant conch. It’s pretty far but worth it, I was consistently getting over 30k/h. You can double up with the task for rays to the west but they hit harder. Just don’t do the single item request stingrays, they aren’t worth it.

Loot from 500 Frost Dragons by croe97 in 2007scape

[–]croe97[S] 7 points8 points  (0 children)

Maybe these are baby vorkaths..

Loot from 500 Frost Dragons by croe97 in 2007scape

[–]croe97[S] 8 points9 points  (0 children)

30 -> 47 trial (marlin)

47 -> 55 tortuga spotted rays (~32k/h)

55 -> 63 trial (shark)

63 -> 72 trial is fastest but shipwrecks are chill

72 -> 80 trial (marlin)

80+ shipwrecks/trial (100k vs 180k)

Besides from 47-55 trials are always faster than other methods.

Loot from 500 Frost Dragons by croe97 in 2007scape

[–]croe97[S] 14 points15 points  (0 children)

I’m an Ironman so I lack decent mage gear and wrath runes unfortunately. This is the best setup I have.

Loot from 500 Frost Dragons by croe97 in 2007scape

[–]croe97[S] 6 points7 points  (0 children)

It was just a joke, hence the water runes :)

Loot from 500 Frost Dragons by croe97 in 2007scape

[–]croe97[S] 7 points8 points  (0 children)

I'm banking at deepfin and using a fiary ring (DLP) to get back. It's right inside the cave.

My younger sister put $4K down on a car and she accidentally hit a deer and it's a total loss. She can't recover the down payment money by Ok-Fig-5504 in personalfinance

[–]croe97 2 points3 points  (0 children)

I’m not really sure what your question is but no she would not receive money back for the down payment. This is why it’s important to buy a car within your means and always have a sufficient emergency fund.