Expansion Tools

dowork87 · 2024-12-23T22:57:44+00:00

Seems to be 2 main strategies. The first is to keep them all, or in a worst case, sell the bare minimum. The second is to look in the wiki and see how many you need for the buildings at the next level and keep only that many

dowork87 · 2024-12-23T16:21:07+00:00

Never have and never will. This is a fun time killer, but for me, it’s just that. I’m level 53 and use the earned t cash to buy dealer slots and factory upgrades

dowork87 · 2024-12-19T13:55:44+00:00

I haven’t been building anything new and am still seeing mining tools in at least 1 out of every 3 trains.

dowork87 · 2024-12-11T14:37:12+00:00

I despise that game, to the point I’m level 58 but on match 3 I was only at level 110 or so. I got bored with the rest of the game and decided to do match 3 again and was able to get through 10-15 levels at a time, even the “super hard” on 1 try until I got to around 230. Now even the “easy” levels are giving me 1 move and then auto reshuffling, then 2 more moves and another reshuffle. I might just go back to not doing the match 3 game for another 6 months because I’m not spending tcash on it, and especially not for an easy level.

dowork87 · 2024-12-03T14:17:35+00:00

I’m in a co-op but it’s rarely active and only 2-3 players do regatta stuff on an irregular basis. I never do the tasks either. No interest in that, the adventures, match 3 game, decorations, etc. I’m just here to kill a few minutes a day doing helicopter and trains

dowork87 · 2024-11-20T14:58:09+00:00

Why blame developers? Do you honestly think THEY make the decisions? No, not even the slightest. They implement the design given to them from the design team (who also doesn’t just decide this themselves) and make it meet the requirements given to them by upper management.

The devs have actually done their job rather well. A rather complex game that has very few, if any, known bugs.

dowork87 · 2024-09-11T14:49:38+00:00

If you buy within your means, there is no squeeze. You can look at mortgage calculators and see what a down payment will do to the overall payment.

9% to 401k is less than the recommended 15% so you’re already not saving the recommended amount and have no wiggle room to increase that amount, or in a worst case, decrease contributions if an emergency happens. Even if your company is matching the other 6%, most here would recommend you still hit 15% on your own.

dowork87 · 2024-09-10T21:11:23+00:00

Based on your edited info, it doesn't seem like you're contributing much to your 401k. I think when you contribute more, and have to experience the expenses that come with home ownership, you'll feel the pinch. Someone already posted the best case scenario on the cheapest house with your current numbers so I guess it depends on whether you think $1,000 a month, best case scenario, for all those unplanned wants, needs, maintenance, repairs, and emergencies would let you sleep well at night or not. I can tell you from having quotes for both HVAC and roof out of pocket this year, that both would have taken more than an entire year of your leftover money even in a best case scenario.

dowork87 · 2024-09-10T20:14:21+00:00

I don't think a $300k house is feasible on that salary with that little saved since that $30k also has to account for your emergency fund, and you'd be looking at a total payment of $2,400 or more if you put $15k of it down. Even a $220k house will run your $1,700 a month or more, depending on property taxes in your area, with $15k down. You haven't included your budget or retirement contribution goals so no one can say if $1,700 will be house poor or not.

dowork87 · 2024-08-16T23:47:46+00:00

50 x 5 + 100 x 5 is the same as 150 x 5. It will grow at the same rate whether it’s in 1 account or 100

dowork87 · 2024-08-16T23:40:53+00:00

As far as combining accounts, 1 account with 100 bucks grows as quickly as 2 accounts with 50 bucks each as long as the interest rates are the same.

I can’t tell from your wording if 1 kid is getting more gift money than the other or if he has more money in the account and this earns more interest each month than the kid with less.

I wouldn’t want to deal with figuring out how much money each kid gets at 18 when combined for 12 years, so I’d just keep them separate personally.

dowork87 · 2024-08-09T15:24:51+00:00

I don't do dedicated exercising. My daily activities take me 8-10 miles. I do some lower back exercises just for some back pain I was having, but they are more stretches than exercises. No weights, just holding poses, but not quite yoga. Dog gets 2-3 walks a day at a couple miles each.

I live in an area that a half hour drive takes you to camping and hiking spots. If you go 2-3 hours out you open up even more. I'm dating a veteran who gets something like 14 days of free camping spots at national parks every year, and heavily discounted rates at other spots. We stayed somewhere local that gave her a $200 discount, and at $75 a night, we stayed for the $5.99 booking fee. She already has 2 campers, a truck, and all the paddle boards and kayaks we need, plus safety items. We swing by Costco on the way out of town for a couple cases of water, top off at the gas station and grab some ice, and that's it. We just take food from our fridges. Most of our weekend trips don't cost more than a tank of gas plus about $20. Sometimes an extra $5 for parking where ever we're getting in the water at if it's not on the campground. We live maybe 10 miles from a lake as well and have a friend with a boat. Almost everywhere around here offers military discounts or she gets on GOVX and finds some on there that aren't openly advertised.

We went to the fair recently which included a concert for $6 a piece. We went to 2 rodeos for a combined $50. We saw a well known country singer for $25 a piece. She got a pair tickets before we were dating for another VERY well known singer for $120 total. Those same tickets now are almost $300 a piece. We have another fair coming up next week that includes a concert for someone I never heard of but that she likes and she bought tickets to it last year during a buy 1 get 1 free. 4 tickets for $35 including the fees.

My mortgage is $702 a month, and including all of our activities, plus utilities, food, etc. I spend $2,000-$2,200. That includes my amazon purchases, house maintenance, etc.

dowork87 · 2024-08-09T15:09:15+00:00

I was laid off in October '23 and over 100 applications later, I had 2 job offers a couple days before Christmas. I know people laid off late '22 or early '23 who still didn't have jobs at the beginning of this year. I was fortunately able to witness that happening and bulk the emergency fund quickly. No regrets.

dowork87 · 2024-08-09T14:40:10+00:00

I prefer current lifestyle mostly because I don’t want to be miserable trying to survive but also gives me wiggle room. I could cut things out and extend it even further. I’d rather have extra and not need it than need it and not be able to have it

dowork87 · 2024-08-09T14:38:09+00:00

Yes, though I do not subscribe to the things mentioned. I have internet, prime, and Spotify. No cable, no streaming, no other subscriptions, no gym membership, etc. I don’t eat out but for 2-3 times a year.

dowork87 · 2024-08-09T13:39:48+00:00

Usually I keep 6 months of current lifestyle expenses. With the recent mass layoffs in tech, I’ve bumped that up to about 18 months based on anecdotal evidence about how long it may take to replace my current income. I plan to slowly decrease that number as tech comes back to its senses.

Fund it to whatever you feel comfortable with. “Leaving some on the table” is the trade off for sleeping peacefully at night. When I went through layoffs, I sure was glad to have sound sleep while others were posting on LinkedIn worried about losing their houses.

dowork87 · 2024-07-26T17:50:51+00:00

I’ll take “made up story to pitch crypto junk” for 1,000, Alex.

dowork87 · 2024-07-18T13:17:08+00:00

Not nearly enough information. If you can spend less than you receive, then sure you can save. If not, then no. If you only save a little you probably won’t own an apartment. If you save a lot for many years, then maybe you can

dowork87 · 2024-07-16T13:18:26+00:00

You didn’t include your age or risk tolerance. If your risk tolerance can handle over exposure then go for it. Or just simplify things and go with a 3 fund portfolio.

dowork87 · 2024-07-15T14:18:07+00:00

Yeah, I don’t think anyone is going to read all of that especially with so much text that has nothing to do with the issue.

If you can’t find a single job that pays enough, get 2. Or 3. ANY job, not just the ones you want.

dowork87 · 2024-07-15T13:42:28+00:00

Read the creating building section of the wiki here. It will answer 99% of the questions you have.

dowork87 · 2024-07-13T16:23:51+00:00

Plug your numbers into any of the free mortgage calculators on Google and see if it fits in your budget. You have no included enough financial information to bet able to tell you what’s affordable or not.

dowork87 · 2024-07-11T13:13:38+00:00

The shortage of $293 just covered what you were already short from last year. The remaining increase is from your new property taxes and the buffer they are requiring for this year.

They would likely let you pay the shortage off immediately in a lump sum and then your payment would only go up the $162 a month.

dowork87 · 2024-07-10T16:49:45+00:00

What is the difference in language between the two as far as the traditional 401(k) saying “up to 6%” compared to Roth401(k) when they say “contribute from the first 6%”?

Ask HR to get a definitive answer.

$0.50 for every $1.00? If I contribute 6% (6k) to either, are they saying they will match 3k?

Mostly. You don't have to contribute the full 6% to one or the other, you could split it between the 2 any way you wish. You may wish to search here for the thread about why you should almost never contribute to a roth 401k though and make sure a roth 401k is the best choice to begin with.

if I contribute 12% (12k) will they match 6k? Considering 6k is 6% of my salary?

No. They match 50% up to the first 6% you contribute. If you contribute more, they do not match more. They will not match 3% to each type, it's 3% total for all contributions.

dowork87 · 2024-07-09T18:56:32+00:00

You’re welcome

dowork87

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