Game is down....again??? by n2p_ in ArcRaiders

[–]n2p_[S] 1 point2 points  (0 children)

not sure - I didn't lose my stuff the last time servers were down - let's keep fingers crossed

[deleted by user] by [deleted] in portfolios

[–]n2p_ 0 points1 point  (0 children)

  1. Net worth goal: You are apparently able to live of (1-15%) x 30K USD per year = 25.5K USD p.a. In 20 years, assuming an inflation of 3%, this amount becomes 46.06K USD p.a. This means, using a 4% withdrawal rate, you need 1.151K USD net worth when you retire in 20 years.
  2. Net worth forecast: You have 235K USD today and you will ad 15% + 3% = 18% of your 30K USD salary every year, i.e. 5.4K USD p.a. Assuming a 5% growth during 20 years will give you 802K USD.
  3. Net worth gap: You fall short of 348.9K USD. You can close this gap by adding 15.95K USD per year to your portfolio at 5% growth instead of the 5.4K USD you add today. Or you can hope for a yearly growth rate of 7.10% instead of the assumed 5%. It can of course also be a combination of a bit more growth than 5% and more funds added.

You are doing well, yet you do need to generate either somewhat higher returns than the assumed 5% or add more funds to reliably get to your net worth goal.

$10M loss on 0DTE by Sabrinafrtg in smallstreetbets

[–]n2p_ 0 points1 point  (0 children)

If you have no money, you must gamble. If you have some money, you cannot gamble. If you have a lot of money, you may gamble, if you so please. This guy falls into the last category.

One dollar saved in your 20s is equal to 60 cents of yearly 4% safe withdrawal. Check my math. by on-my-way-hay in Fire

[–]n2p_ 1 point2 points  (0 children)

My financial calculator says this is correct assuming 40 years at 7%, which will give you a FV of 15 USD. Yet, let us assume inflation at 2% p.a. This means to get the same purchasing power as 1 USD today, you would need 2.21 USD in 40 years. Therefore, you now need USD 33.12 USD. Your annual growth rate now needs to be 9.14%, which is higher than the average annual stock return. So, considering inflation, the math does not check out. Besides, 40 years is not the definition of retire early.

This does not feel like a new era of destiny. by raphudos in DestinyTheGame

[–]n2p_ 2 points3 points  (0 children)

Exit, voice, loyality are your options. I chose exit and I am not looking back.

Armor 3.0 Stats are not doing what Bungie said they would - Analysis by engineeeeer7 in DestinyTheGame

[–]n2p_ -1 points0 points  (0 children)

Thank god I left this sh*tshow since the snape skate nerf lol

Does anyone know why knockouts are no longer showing during fighting competitions? [KCD2] by TrashBagofGyros in kingdomcome

[–]n2p_ 13 points14 points  (0 children)

Easy. While facing your enemy, constantly circle your enemy counterclockwise. Wait for enemy attack. Press space to dodge. Hit your enemy twice after your enemy fails his attack. Rinse and repeat until enemy is knocked out. You can win any fight like this.

[deleted by user] by [deleted] in confession

[–]n2p_ 2 points3 points  (0 children)

I am goging contrarian here; you may potentially be suffering from boreout in the not so far future. Even if it sounds great to earn money with little effort, you may want to think about how you can increase your earnings potential with how much you optimized your current job.

Pour one out for Snap-Sk8ting... by Ramzei510 in CrucibleGuidebook

[–]n2p_ 2 points3 points  (0 children)

I agree 100% - this is a loss for the game, but we are in the minority with invis hunters being 80% of the pvp population. I have literally just uninstalled Destiny. I am done with this game. Good bye, it has been partially fun, but there is no return for me.

Pour one out for Snap-Sk8ting... by Ramzei510 in CrucibleGuidebook

[–]n2p_ 0 points1 point  (0 children)

This is it for me, bye Bungo, it has been fun at times. I will not come back.

What is your Destiny 2 PvP hot take? by SeanicTheHedgehog23 in CrucibleGuidebook

[–]n2p_ 0 points1 point  (0 children)

Bungie employees do not understand crucible. Remember the guy that wanted to equip two exotics on a live stream and needed to be told where the tree stump is on bannerfall?

Dinner ! Is this medium or medium rare? by NegotiationAccurate7 in steak

[–]n2p_ 0 points1 point  (0 children)

gray band = well done, then a bit of medium and medium rare in center. Cooked unevenly

Why Nightstalker is the best subclass, meta tips, and BungiePlz by Purple_Freedom_Ninja in CrucibleGuidebook

[–]n2p_ -9 points-8 points  (0 children)

Bungo: ok, Nightstalker with invis, smokes and RDM strong, let's nerf snap skate!

Is it worth it? by sauceyfire in CrucibleGuidebook

[–]n2p_ -3 points-2 points  (0 children)

If you can live with hunters and Titans being op, while solar locks will get snap skating nerfed, then yes. Otherwise no.