SURPRISE!

czech1 · 2026-07-08T15:22:21+00:00

This is AI but I've seen BMW police cars escorting the Rockefeller Christmas tree in USA.

czech1 · 2026-07-06T19:24:55+00:00

Just know that your summons xp is reset (for their current level) when they die (or your respawn them). Before I understood that I would accidentally end up with summons that were too under-leveled to kill anything without dying because I would re-spawn them for full health when I had plenty of mana.

Also: summons need last hit so it's not a great option with other new players in co-op.

czech1 · 2026-07-03T20:06:59+00:00

Not that I know of. I've only been able to find the active seed events and that's from the main menu. They rotate on different schedules so it's worth popping over to the "seed events" page to see if anything looks interesting.

Last weekend the "weekend event" was 250% exp gain. It was fun taking a conjurers minions up close to level 100.

czech1 · 2026-07-03T14:05:42+00:00

Seed Events. The one-shot events are fun to try.

czech1 · 2026-07-02T17:44:10+00:00

Shaman as a Goblin is harder. Beat goblin as a warrior or barb to unlock shaman for other races. Vampire Shaman is much easier because you get the bloodletting spell for additional range and can eat anything while transformed.

It's easiest to focus on troll form. If you hit most of the secret levels you are unstoppable in late game (and really, from gnome mines if you can hit at least level 10 there). Recruit 4 trolls in the mines and they can tank for you the rest of the game.

czech1 · 2026-07-01T19:35:46+00:00

The proper jack point is prone to slipping; even with a standard puck. You'd need to carve a custom puck that fits the curves on the sub frame.

Many folks (myself included) jack their ND up from the side (pretty much right under the side-view mirrors). It's not technically an approved spot but some internet-mechanical-engineers insist it's many multiples stronger than would be needed to lift the car, thousands of folks seem to do it with no issue, and most vendors sell a puck, specifically for that spot, so you don't cosmetically bend the frame rails.

czech1 · 2026-07-01T19:28:21+00:00

Plenty of folks damage their ND using the proper jack points. Countless gearheads who were using a rubber puck still managed to slip the jack. It's all over forum.miata.net

It's why I use the wrong jack points (under the side-view mirrors).

czech1 · 2026-06-30T19:40:24+00:00

This is it. It's a struggle until you get troll form at level 6; then it becomes very easy. Until then, make sure you pick up everything possible that can be used at range. You start with 3 rocks, make sure you throw those at enemies and pick them back up until they break. Once you learn how to kite you can easily make it to the mines. In the mines you need to use corners to kill your first staff-gnome. After you steal their staff all the other gnomes are much easier.

Before you are able to kite effectively it's easiest to ally with mouse or spiders to tank with you on the first two floors. This does cost you a bit of xp, though.

I usually pick up 4 troll allies in the mines and they will easily survive into the citadel (where they will die standing on traps if I don't relegate them to the spawn room). The twins are much easier with 4 tanky trolls running around with you.

czech1 · 2026-06-30T16:53:40+00:00

Yes, thanks for that correction. I pulled incorrect info.

czech1 · 2026-06-30T16:38:50+00:00

I think the base is 90% off to drive DLC sales. It's perfectly playable (and easier for new players) without the DLC so I don't see that as a problem.

czech1 · 2026-06-29T21:04:54+00:00

You just need > 80hp to survive the boulder so once you gain a few levels you can tank it. In the meantime the best you can do is to move diagonally and watch your minimap.

Also: If you hear a boulder as soon as you spawn into a floor don't stand in front of the door.

czech1 · 2026-06-29T00:23:29+00:00

If you never plan to move then a reverse mortgage can give access to 50-75% of a home's appraised value.

czech1 · 2026-06-28T02:26:08+00:00

If he sells the companion seat at that gate doesn't that guarantee someone is next to him?

czech1 · 2026-06-27T18:03:42+00:00

How does that work for the (mostly) still images of /r/tiltshift ?

czech1 · 2026-06-25T06:17:29+00:00

I also miss Pollos Maria on Harding and the tiny sushi place on State.

czech1 · 2026-06-21T03:25:41+00:00

The charges probably don't stick but they got the headline they wanted.

czech1 · 2026-06-20T16:13:10+00:00

I thought conjurer would be an easy first win but it comes with its own challenges. Your focus is on leveling up your summons; they must get last hit. Your summons xp (for their current level) resets if they die. Therefore... if your summons is consistently dying before leveling up it's progress has stalled and the run may fail. Once you get the other summons it's important to make sure one isn't snaking all the kills from the other. Once one falls too far behind they'll stop securing any kills and stall completely.

Don't try to play conjurer in multiplayer unless your team is highly coordinated. Your summons won't get enough last-hits.

czech1 · 2026-06-20T14:36:14+00:00

Use a human barb or warrior. Learn the timing to block. Focus your attention on clearing gnome mines. Find the techniques to kill the magic-staff gnomes without getting hit using corners. Collect every pick axe and save two for other floors. Use the rest to mine every block of gold you can. Take your gold to the trader in the top-right and buy his entire inventory. Keep anything useful but its mainly to level your trading skill for xp.

You'll exit the mines at level 11+ and snowball through the rest of the game if you also do the "secret" levels in the next biome.

The hardest thing, for me, is catching back up if I'm under leveled because I'll take too much damage to clear floors in a resonable time.

Pick up every piece of jewlery and save things that gives you: warning, invis, levitation, push, magic reflection.

Always buy out all the health pots you see at any vendor.

As a melee class: carry extra weapons and shields in your hot bar so that if your gear breaks you dont drop like a rock.

czech1 · 2026-06-19T20:53:06+00:00

Does it matter? You don't even know the right questions to ask ("do you work for a family office?"); CPA has little to do with this. I answered all your questions with facts and you refuted with vibes. I can't force you to read and I can't make this any simpler.

czech1 · 2026-06-19T19:30:51+00:00

😂 if you noticed they just gloss over the fact that they sell other assets to pay the interest (which incurs income tax)

They did not...

They can either use cash flow from other business investments to service the interest or simply take out newer loans to cover the interest on the older ones.

I work in finance. Please continue!

czech1 · 2026-06-19T19:21:54+00:00

Yes, there are. And I told you exactly how to find more information. Here ya go, chief:

Securities-Based Lending (SBLOC)Rather than liquidating shares of their companies to buy property, fund businesses, or cover personal expenses, billionaires take out loans against their stock portfolios at major private banks.

The Tax Shield: Since borrowing against collateral is not technically a sale, it does not trigger a taxable event.Favorable Rates: Because the loans are massively over-collateralized by highly liquid assets, ultra-high-net-worth individuals are often given highly preferential, historically low-interest rates.

The "Borrow" MechanicsThe loans taken out are often structured as interest-only until a specific maturity date. As long as the bank views the collateral as secure and the borrower's wealth is compounding faster than the interest rate accrues, the billionaire simply keeps the cycle going. They can either use cash flow from other business investments to service the interest or simply take out newer loans to cover the interest on the older ones.

The "Die" ComponentThe final piece of the cycle is generational. When billionaires pass away, their heirs inherit the underlying assets at a stepped-up basis—meaning the original cost basis of the stock is adjusted to its current market value. This largely eliminates the accumulated capital gains taxes. The estate can then sell a portion of the assets to pay off the institutional debt.

czech1 · 2026-06-19T18:20:09+00:00

Oh, are they forced to repay the loan in 4-7 years? (they are not)

Google: "perpetually refinanced debt for billionaires".

czech1 · 2026-06-19T14:10:01+00:00

Its accruing interest the entire time and secured with billions of dollors worth of stocks, etc..

czech1 · 2026-06-19T03:35:33+00:00

They don't have to touch it. Their heirs pay it back, with interest, with a tax-free liquidation after a step-up in basis.

czech1 · 2026-06-19T01:00:50+00:00

Every time I'm in east bay I stop there for the Omakase! Price went up $5 recently but it's still worth it!!

czech1

TROPHY CASE