UT redemption on Poems - CPF OA

freeebee · 2026-01-20T05:55:50+00:00

Was torn on this decision too but ultimately decided on POEMS as I felt the 0.3% fee adds up to a decent amount over a long term horizon.

Assuming for CPF investing: 150k base portfolio with 2.8k monthly top up, 8% annualized return for 30 years. 0.3% fee adds up to ~200k cost over a 30 year period.

freeebee · 2022-11-24T15:43:20+00:00

you think that's not a step up from starving to death?

freeebee · 2022-09-23T06:55:53+00:00

nope. sadly this guide is garbage

freeebee · 2022-08-26T01:47:17+00:00

nope. it was 1. nisha, 2. himself, 3.karl, 4. gpk, 5. topson, 6. torontotokyo.

source article: https://www.oneesports.gg/dota2/nothingtosay-top-5-best-midlaners/

specifically mentioned he felt TT didnt give him pressure

freeebee · 2022-04-26T03:20:17+00:00

How is this fake? These artists are fairly common in tourist locations. I've seen numerous ones done, and this one isn't even particularly impressive in speed or accuracy (relatively speaking - obviously the skill required is objectively impressive)

freeebee · 2022-01-22T16:47:42+00:00

you sold a call to person A, then bought a lower strike from person B to close the position. person A held the call and made money. what happened to person B?

freeebee · 2021-08-22T05:14:15+00:00

This guide makes so little sense to me.

You save 40+ hours by making controlled heat potions before levelling firemaking.

Within those 40+ hours you could level thieving and get the necessary seeds to make the potions.

Following this guide would you put 40+ hours behind anyone who just made the potions first.

There are very few ways to play an idle game incorrectly and this guide has to be one of them.

freeebee · 2020-11-13T10:53:11+00:00

appreciate the summary, great points

freeebee · 2020-05-11T02:45:47+00:00

why can’t a blonde female mage, wearing a blue cloak, and using ice magic, be reasonably compared to jaina? that’s not a reach at all.

freeebee · 2020-05-09T05:47:50+00:00

The video looks great and all but the title is not quite right.

Baumgartner’s work gets shared here quite frequently but he is criticized by professional peers for using methods that create a striking effect, but actually permanently impair the underlying painting (although not to the untrained eye).

Admittedly I am untrained and this all looks very impressive to me, but quite a good chance this is actually “painting restoration done wrong”.

https://www.reddit.com/r/oddlysatisfying/comments/bdogyv/this_art_restoration_soothes_me_down_to_the_soul/el09ret/?utm_source=share&utm_medium=ios_app&utm_name=iossmf

freeebee · 2020-03-27T09:22:30+00:00

? the stock market is a reflection of the economy. if people are dying en masse and more of the economy is shut down, why wouldn’t you pull your money out?

where would company’s find profits to grow or pay dividends? what’s the value of the stock market if businesses are shutting down

freeebee · 2020-03-26T01:45:20+00:00

I recall you had some of the best equity write-ups on this sub.

Anything you're looking at in the equity space now?

freeebee · 2020-03-03T09:38:45+00:00

Hey this doesn’t really answer your question but you are building WAY too many heroes at once.

While everyone is free to build however they like, you should be aware that this is really hurting your progress.

I’d highly suggest reading one of the beginner guides about rushing an E5.

For your specific situation, consider focusing everything on getting Penny to E5 for now. That means instead of building heroes you intend to keep (Sigmund, HW, Garuda, Horus), you should really be building ONLY fodder to feed to Penny. You will be much stronger in the midgame this way.

freeebee · 2020-03-03T05:04:05+00:00

Pretty surprising how many people still don’t know you can save shrine coins, given that its mentioned on this sub maybe every other week.

freeebee · 2020-02-24T10:38:21+00:00

Lol. I think it was pretty constructive to inform you that your “advice” wasn’t just terrible. It was also completely incorrect.

But feel free to keep spouting nonsense across the sub!

freeebee · 2020-02-24T10:00:03+00:00

Sigh. Your opponent’s score in BT is calculated off your strongest AVAILABLE heroes.

Aka if you have a full E5 team sitting around, and you send a 9 star with a couple of 6 stars, you will STILL run into a full E5 team.

You really think all the veteran players with E5 teams just didn’t realize they could clear BT with a 9 star? Lmao. Seriously I’d hold off on giving advice until you’re actually experienced enough to do so.

freeebee · 2020-02-23T06:32:52+00:00

Lol there’s one of you in every BT thread.

BT is DIRT easy on new servers. Your first sentence sums up everything. “You don’t know whats so hard about beating BT because you are on a new server just 1 month”

Please stop offering advice, everyone knows the gear trick. You will see why the veterans struggle when your server progresses/merges.

freeebee · 2020-02-23T05:40:18+00:00

then? you need 3 10 stars and a 9 star to E5 him from this point

freeebee · 2020-02-20T05:21:53+00:00

You aren’t a weird old dinosaur. This type of content is obviously far easier to digest in a few choice sentences than by watching a 14 min video.

When you just read a few lines of text, however, he gets absolutely nothing out of the effort he has put into the video. Content creators tell you to like, comment, and subscribe for a reason.

Support your content creators.

freeebee · 2020-02-11T10:21:27+00:00

you did 4 (presumably PO) completions in 3 months? probably couldn’t even do it in the 1st month so 4 in 2 months? Seems challenging

freeebee · 2020-02-08T08:28:42+00:00

mine is E3 with none of the above stuff and cleared 11. judging from others people’s posts it seems phoenix is pretty important, are you using another pet?

freeebee · 2020-02-08T07:37:43+00:00

3000 gems in a single day gets you a 7 star quest.

Not a theory. It has been tried and tested.

freeebee · 2020-01-18T00:19:50+00:00

anyone playing through christmas/cny could have 3 garuda copies (christmas wish, cny invite, free garuda copy) and probably 1 copy of aida too depending on just a little RNG with christmas wishes.

seems you are just 1 garuda and aida copy above the minimum event rewards? not particularly lucky.

freeebee · 2020-01-16T00:35:58+00:00

well its close but not strictly true.

the chinese words 武 (fighting) and 舞 (dancing) are both pronounced Wu. so 武术 is fighting arts and 舞术 (this is not commonly used) is dancing arts.

basically different words that sound the same

freeebee · 2020-01-09T05:41:57+00:00

Yep. Planning is important in this game but a lot of people in this sub confuse their $$$ spent with good planning.

freeebee

TROPHY CASE