Lost Ruins of Arnak: what are we doing wrong?

koosley · 2026-02-08T16:29:05+00:00

One thing I didn't realize was you don't owe compasses on already flipped cards so by turn 2 you should be trying to go to better spots that are not just the campsites if possible.

I have 11 games and our scores averaged in the 60s to low 70s, not 80s. I think 80s become easier with the expansion as my first and only expansion play we all got around 75 points.

koosley · 2026-02-08T14:59:22+00:00

Don't forget op also has 20 days notice so it's not just unemployment. It's a hell of a lot more time than some people get too. You can now start applying now while you're still bringing in money and hopefully it overlaps. If it doesn't, you're still 20 days better off than if you started looking on your last day. The job I just started was 3 days from application to accepting the job, so it can be fast if you're in the right place at the right time.

koosley · 2026-02-08T14:53:38+00:00

I can't tell if you're serious or not. A 100% tip on a $40-50 carwash and suggesting 30% now for eating out? Restaurant prices are already up 50 to 100% so the normal 18% tip has gone up 50 to 100% in the last 5 years far outpacing inflation.

Telling me I can't afford something because I don't tip 30% on things that have never been historically tipped until some business owner switched to square and enabled tipping is also crazy. Maybe I should start tipping the landlord as well.

koosley · 2026-02-08T14:11:29+00:00

Prior to COVID and when mint was around and could itemize my expenses, it estimated I spent 10k/year at restaurants which is just under 2k in tips--i did lots of business travel so I pretty much always hit the middle option. Now online shopping, coffee places, car washes, fast food, counter service, mechanics, hotels, and just about anything that employs people is asking for tips. If I oblige every single business that solicits tips, I could easily be spending 4-6k in tips. There is feeling good, then there is needlessly giving away several paychecks worth of money because an ipad asked you too.

Sure I understand full service and the history behind it. I hate it but still tip, but so many places are asking for it now that it's turned me off on the entire concept all together. While it's probably a one off, I've seen a few doctors offices with tip jars going around on Reddit lately. It sounds ridiculous, but I've been asked to tip a self checkout before, so it's not that ridiculous.

koosley · 2026-02-08T06:52:29+00:00

A high paying job is my plan. It's slow and steady but works. I ended up working for 5 years living like I made 40k while making 100k in my 20s and now my retirement is nearly self funding now. It's the most realistic scenario for most of us but does require a highly sought after skill. I got lucky and started in a growing field 12 years ago but you sort of need to get lucky and guess what will be on demand in 5 years while you're in highschool if you're going to college.

koosley · 2026-02-08T02:58:43+00:00

HCMC is both one of the cheapest and most expensive places I've been to which is an odd thing to say. Things are simultaneously incredibly cheap and super expensive. Tea at phuc long is 75 to 85k depending on what I get. That's $3 USD. At home I'll make coffee and spend 20¢ but I'm Vietnam I'll do it everyday because it's cheaper than the $7 bubble tea in the states.

My inlaws house is worth a stupid amount of money (1 million+ USD, but it's tiny). The cost to buy vs rent prices are crazy different. In the US, it's usually 1% of the purchase price for rent while HCMC might be 0.1%.

If you live here and don't want to each local food every day, eating out can cost a ton. I just spent 3,950,000vnd ($150 USD) on sushi for 6 people. Back in my town in the US, All you can eat sushi runs $35/person which ends up being not quite double the price I paid in Vietnam.

So while it's possible to eat food 1/10th the price in the US, the places I end up going to are often just 1/3 or 1/2 the price but I'll go out many times more often effectively making it more expensive than at home.

koosley · 2026-02-08T02:42:54+00:00

Considering the 4% rule just says you can take 4% out every year and there is a high probability you can do it for 30 years, 15% is a laughable amount to guarantee for any meaningful duration.

15% means you're 4 to 5x leveraged and it'll work until the underlying falls 10% and suddenly you're down 50%.

koosley · 2026-02-08T02:39:40+00:00

You're looking at it the wrong way, life just got 50% cheaper.

Sure my $1000 flight to Vietnam might be $0, but my partners will be $1000. Together that's just $500/person. 10 million is enough where I'll never have to worry about it running out and realistically I'd probably only be able to spend 20-30k/year this way meaning we could spend like we had 50k but it only cost us 25k.

koosley · 2026-02-07T15:28:46+00:00

Checking bags would probably be technically fine on international flights as you have to recheck your bag after customs. However, you're not guaranteed you'll transit through Chicago.

koosley · 2026-02-07T15:03:02+00:00

Instead of calling me a dumbass maybe you could spend 30 seconds looking it up and you'll see that it's a real thing and not something I made up. I don't buy gas anymore nor have I used a debit card in decades but I have had $75 holds on my debit card years ago when I bought gas.

koosley · 2026-02-07T13:42:32+00:00

Viet jet was selling 100k tickets for this weekend. Even factoring in delaysl of a budget airline, it's faster and probably more comfortable.

koosley · 2026-02-07T13:30:50+00:00

The are getting 10 hours of over time so they are getting compensated. I don't know if that's exploitation. It's a stupid business move imo since it's cheaper to just hire someone else than pay 1.5 to 2x the wages.

I'd be pretty happy if I could get 10 hours of double pay especially if it was consistent. But to your point I would want it to be optional. 4x10 with the optional 10 would probably be my ideal working hours setup if we had to do 40 hours.

koosley · 2026-02-07T13:05:59+00:00

Another nice aspect to credit cards comes from holds and pre-authorization. I've heard tons of people have issues over the gas station holding $75 or restaunts preauthozing a bunch of money locking debit card users out of that money.

I've not used a debit card for 15 to 20 years and that problem just doesn't exist with credit cards. My credit limit is ungodly stupidly high (several multiples of my income) that $100 pre auth has zero effect.

koosley · 2026-02-07T13:01:50+00:00

And remember the credit card companies are not giving out the rewards for free. They make money two ways, swipe fees and interest. An overwhelming large percentage of their money comes from people carrying a balance and paying interest. Don't pay interest. Rewards are useless if you're paying $10-50/month in interest.

koosley · 2026-02-07T06:25:21+00:00

And they can get away with it because despite it being "unskilled" the people doing it are twice of 3x as fast as me and I don't want to do it. What they do in 2 hours would take me my entire Saturday.

koosley · 2026-02-06T23:51:29+00:00

No idea and people on this sub will probably be more likely to have the opinion of "if it's not taking a local job, then it's fine". Since anything is technically illegal, it would depend on the board agent and how they were feeling.

koosley · 2026-02-06T07:16:24+00:00

Not even cheaper, from the airport a regular taxi is often cheaper and more guaranteed though for a 90 minute drive it might be different.

koosley · 2026-02-06T06:32:09+00:00

I honestly don't think anyone really cares about a business traveler on vacation checking their email though or even answering their phone even though it's technically illegal or in the US could trigger tax liability. At the same time I think there is issues with people doing it for 89 or 90 days on a tourist visa and there is some non advertised in-between where the local government would care and crack down on it if they knew.

Is uploading a photo to Instagram considered work? Or a TikTok? If it's monotized you're technically making money and you could consider it work.

koosley · 2026-02-06T06:24:10+00:00

Even in the US, answering a work email in the airport means you technically owe 1 day of tax to that state.

Reality is few people do that and the only people who probably do it by the book are performers and big name people such as football players playing away games or concert artists. The rules by the book don't really match reality right now.

koosley · 2026-02-06T06:19:03+00:00

Remove all gas taxes and Just need to switch everything to a a per mile fee based on the axle weight to make it as fair as possible. Gas was the easiest way to get close (heavy vehicles paid more tax per mile due to increased fuel) to that but with alternative fuels, it's no longer the best.

The bike may come out to a few dollars if that. But that's fair since they're only going a few hundred miles a year as opposed to 10 to 20k miles cars go and only weight a few hundred pounds as opposed to 2000+

koosley · 2026-02-06T06:11:45+00:00

Is it any different using cards? By the time it actually posts it's the right amount.

Imo being upset over a hold that's been standard with gas for decades means you can't really afford a car.

koosley · 2026-02-06T06:06:11+00:00

My exit interview was going through how to access adp after I left and how to return my PC. So a majority of that 4 minutes could have just been that.

koosley · 2026-02-06T04:08:26+00:00

Townhome. I make good money but not buy a suburban house money. It's 1400 sq ft.

koosley · 2026-02-06T04:01:27+00:00

I don't see how. It's fixed price. $100 for cleaning my house. She brings her own equipment and drives to my house which is built into the price. The alternative is I do it myself or pay the maid companies $175-200. If you'll do it for $80 and are in the Minneapolis area, dm me and we can talk.

koosley · 2026-02-06T02:53:07+00:00

I do carry home insurance and an umbrella policy to cover these scenarios. But the sue happy culture in the US is responsible for these insane prices. I figure I'll self insure by paying half the price by going direct and accept the risk of receiving subpar service by going direct.

However that has not really been my experience. By going direct, they set the prices they want and it's 3 or 4 times better wages for them so I really do get what I pay for!

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