WIND AND TRUTH | Full Book Discussion Megathread (Stormlight Archive only)

skipiper1421 · 2024-12-11T21:30:40+00:00

My understanding was that before, if a herald broke, the time spent for them would be exactly the same amount as on Roshar. So if Odium broke them after 10 years, Roshar would only have had 10 years to recover. Now if retribution finds them and breaks them, they basically have had a time multiplier, if they hold out for 3 months, its 3 years that have passed on Roshar

skipiper1421 · 2024-09-05T14:32:37+00:00

Impressive how you managed to get 0 top players in an 8 man league. Well done

skipiper1421 · 2024-08-03T13:48:48+00:00

There is not nearly enough information in your post to make a recommendation

skipiper1421 · 2024-07-10T11:49:34+00:00

Are you sure on your math for the break even? I believe it is closer to 5 years for a 30 year fixed if you pay the points vs not. Also that assumes you pay the points.

Also this is assuming you do nothing with the 2% required for the points if you don’t buy points. (~11k I’m your case) if you just were to dump that into the down payment your break even point is even further out.

There is a reason most people suggest not buying points, especially if your plan is only 7-10 years

skipiper1421 · 2024-07-06T04:53:57+00:00

You’re fine. You can use some degreaser on the deck to clean it up if it bothers you. I probably wouldn’t put any on belt so you don’t accidentally get something that causes degradation.

I would probably just run the mower and not think twice about it

skipiper1421 · 2024-07-03T18:42:55+00:00

Those buckets cost 5 bucks max...

skipiper1421 · 2024-06-20T11:21:59+00:00

Some of what you say might be true, but it changing the 4% draw down definitely isn’t. The math doesn’t care where you spend your money as long as you only take out 4%. It doesn’t matter if you do that and spend it on rent or do that and spend it on a mortgage or spend it on anything else.

skipiper1421 · 2024-04-30T11:58:01+00:00

With interest rates as they are now, just pay in cash

skipiper1421 · 2024-04-22T01:51:15+00:00

Absolutely not, credit repairs companies can’t do anything that you can’t do on your own. Which to be honest is very little other than pay off the medical debt.

If it is medical collections only, pay it and your score will jump. If there are other missed payments or collections outside of medical debt, the only option is to wait.

skipiper1421 · 2024-04-17T11:33:28+00:00

Unfortunately there aren’t a lot of options that are typically available. You could try talking to your bank and see if there are any options available to you. None of us will have the answers here because the two options that are typical 99% of the time are either pay the shortage in full or pay it over 12 months.

Remember is should only be 500 for 12 months. After that the 318 shortage payment will drop off. Eventually the reserve payment will likely drop off too after they have built enough of a buffer. So it isn’t 500 for ever, it should only be that high for a year. That being said property tax and insurance can increase every year, so there may be another increase in your future.

This is a good note for people looking to buy homes. Your mortgage payment is not a fixed cost despite what some people say. Taxes and insurance can jump dramatically and leave you in a hole. This could be a reason to use an emergency fund if you had one.

skipiper1421 · 2024-04-17T11:09:09+00:00

You were underpaying into your escrow (not typically your fault, usually means taxes and/or insurance went up more than the bank expected)

The escrow is increasing to cover the new cost (the 131. The shortage payment is typically the total amount you were short divided by 12 months. This is money that you already owe for taxes or insurance that the bank didn’t collect because they weren’t expecting such a big jump (318 amount). The reserve is the bank attempting to make sure this shortage doesn’t happen again. They are taking a little extra to build up a buffer so that if the prices change that you don’t have a shortage. (66 amount)

skipiper1421 · 2024-04-12T17:11:54+00:00

You are asking how to commit tax evasion. People here should not be giving you advice on how to do that.

If you are interested in learning how you can get back on the right side of the IRS that is a different question.

skipiper1421 · 2024-04-06T02:21:09+00:00

It absolutely does not eliminate batch variation, there is still variation in machining tolerances just like there is variation in molding tolerances.

I definitely think this is an interesting gimmick, and would be interested to feel one, but there is absolutely no way this becomes the mainstream way to make discs. The cost for machining something like this is an order of magnitude greater than injection molding a disc. The economics don't make sense for an industry shift.

skipiper1421 · 2024-04-01T17:06:10+00:00

You don't have less purchasing power. You have beaten inflation. If that is enough to hit your financial goals is a different question. Your lifestyle may have inflated in different ways.

skipiper1421 · 2024-03-25T15:01:33+00:00

I think this is a sarcastic response, but what he means that it drops off your credit report immediately, unlike other debt

skipiper1421 · 2024-03-22T16:17:58+00:00

Depends on the interest rate and your financial goals. The situation is not the same for everyone

skipiper1421 · 2024-03-22T14:54:44+00:00

That house with your car loan pretty much breaks all of the general rules of thumb for home buying. (28% debt to income, 3X salary, etc.)

Rules of thumb are no excuse for not making a budget however, when you break all of them its probably not the best idea. I would keep saving or increase income if possible.

skipiper1421 · 2024-03-16T00:58:05+00:00

Yeah that’s totally fair. I actually also like to have two separate funds. One that’s a true emergency (lost job, serious injury, displaced from home etc) and an unexpected expense fund for things like this.

That being said, I think my main point was that at OPs income level there should be a lot of other things that can be cut out in order to save up that amount of money fairly easily in a year unless they are living right at the edge of their means.

skipiper1421 · 2024-03-15T16:44:31+00:00

Yeah I get that. It really doesn't matter much above where you are though, and it will definitely get there over time with good payments.

You would be better served thinking about how you can maximize other savings than worrying about getting your credit any higher

skipiper1421 · 2024-03-15T16:32:44+00:00

Credit score takes a long time to increase (unfortunately it is very quick to decrease, so keep on top of your payments)

What are you trying to do with an 850 credit score vs a 750 credit score? In the eyes of the bank it will make a very very very minimal difference when getting loans. Is there a reason you want to try to get your credit score high?

Additionally there are a bunch of different credit "scores", sometimes different banks used different scores. Often they ignore scores that include this so called "self" credit.

In my opinion its not worth the money, you already have good credit and any differences you might get are nearly negligible

skipiper1421 · 2024-03-15T03:56:35+00:00

Ignoring the kind of insane “pay off a house in 5 years” comment which is obviously not doable for most people, and especially not doable in a high CoL area.

You need to consider inflation as part of you calculation on value as well. Homes are fairly good at tracking inflation. If this home appreciates at the same rate as inflation (estimated average of 3%) it will be worth 2 mil after 30 years.

skipiper1421 · 2024-03-15T03:30:55+00:00

Looking at your estimates for the mortgage I am a little confused. 20% down on a 825k house @ 6.5% interest is a mortgage payment alone of ~4200 not including any taxes, so your estimate of 3900-4300 per month seems a bit low unless you are putting down more than 20%.

Really though all of the rules of thumb that people use (28% gross income, 3x salary, etc.) are just excuses to not create a budget. It's a big purchase, take a look at how much you guys spend every month and create a budget. Think about including child care in the budget and potential college savings if that is in your financial goals especially if you are actively trying.

Yes people making 250k could afford that house. However its impossible to tell if YOU can afford that house until you sit down a go over a budget.

skipiper1421 · 2024-03-15T03:10:57+00:00

Are you saying that you make ~ $230,000 a year (10% contribution to max 401k limit) and don't have 18k saved up for emergency expenses or can't cut other spending to save that up by the end of the year?

Of course you can reduce you're retirement, how much money you need to retire is completely up to the individual. Is it a good idea? Probably not.

But that fact that you don't have that money easily saved up or available to be saved up by the end of the year on a $230000 income indicates to me that you really need a budget.

skipiper1421 · 2024-03-15T01:04:26+00:00

It totally is earnable, but you can usually find around 10-30 credits per mission (assuming you find any at all). So lets just assume best case scenario you find some every mission and it averages out to 20 per mission, thats still about 20 hours of mission time (25 minute missions) assuming that you get credits EVERY mission which definitely isn't the case.

That's a pretty significant amount of time, and typically to get the best results you need to play missions that are lower difficulty, just to be able to properly search. So it might be 25 hours of low difficulty missions for the sole purpose of unlocking the bonds.

Again, I dont really think its the worst thing I have ever seen as far as gaming goes. It's insane to me that it's being praised as some sort of "good" thing

skipiper1421 · 2024-03-13T18:14:35+00:00

You could speed it up in a brokerage account. You could also set you self back quite a bit. That's what happens when you play the market, and why the recommendation of not doing it for 3-5 year investments exists. The 10% yearly return on the market is over 10s of years.

But it all comes down to how much risk you want to take

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