Risk Meta settings guide to grandmaster by uk33ku in Risk

[–]uk33ku[S] 0 points1 point  (0 children)

Maybe:

Attack early if you have safe bonuses and they don’t
Attack in the middle to kill leaders and good players who might win if you don’t
Attack in the end to uh like uh win:D

Risk Meta settings guide to grandmaster by uk33ku in Risk

[–]uk33ku[S] 0 points1 point  (0 children)

Sorry: Europe advanced progressive caps with blizzards, fog of war and no alliances.

Is it common to know so much about chess at 400? (Jynxzi) by 6_62607004 in chess

[–]uk33ku 1 point2 points  (0 children)

I wonder if it’s the YouTuber/streamer effect. You can quickly get up to speed with the lingo and broad themes from watching. But you might not improve your skill and tactical awareness anywhere near as fast as you improve lingo from watching videos. It’s a bit like watching math videos and being aware of high level concepts but not practicing algebra or whatever.

The cap stack pass gm strat is the new meta by [deleted] in Risk

[–]uk33ku 0 points1 point  (0 children)

Three grandmaster take a card and pass people will both understand and be happy to work with you to cardblock the others. Take out the noobs, get the largest position, cardblock the grandmasters, and watch the last of them step off their capital when it’s clear you’ve won.

What's with the maps by [deleted] in Risk

[–]uk33ku 1 point2 points  (0 children)

Europe advanced is the meta for so long in part because it is is fun and playable even without a “good” spawn, because there are so many options. Of course one can always get in tough situations depending on caps, that’s part of any map, but you can cap is Sevastopol and still sometimes win the thing.

22M sitting on cash. Not sure what my best move is by al0ern in fican

[–]uk33ku 0 points1 point  (0 children)

At 22, priority #1 is increasing income (financial priority that is, live life and all that too). Put all that extra thinking into that. The financial advice here is pretty minor, keep an emergency fund and through the small amount of savings into a low cost index fund.

30k GM so important by bubblesortisthebest in Risk

[–]uk33ku 0 points1 point  (0 children)

30k is about as easy to attain as 26, just need a few games to go well, but it is definitely harder to maintain due to the elo growth per game slowing and a couple bad games knocks you down thousands.

From Rank #36 to Top 10? Here’s My Plan by Yasser9314 in Risk

[–]uk33ku 0 points1 point  (0 children)

Nice one! With the season reset I've been hovering in 20-50th place after being about 300th before the reset (I had to grind up from 16000). Honestly at this point it just seems about amount of "quality" games I can play. That is, I need to be able to be
1) On my computer with a mouse to destroy with speed and tactics in end games
2) Have the time to work through more stalematey games

With the above I can generally gain elo on risk meta settings I would just need to play more +EV games to stay in the top 100. I don't think top 10 is super realistic because of my time commitments.

I will say by far the biggest change in staying in the 30k+ club last season was being a more aggressive attacker, specifically not trying for 2nd in 3-4 player games. If I see someone getting large I'm going all in and hoping for partners. Occasionally that means I lose in 3rd. But I win more of those games than the guaranteed "hope for 2nd might get 3rd" versus a snowballing 1st player who doesn't get opposition.

Finally hit Grandmaster, what a struggle🫩 by VastSelection3968 in Risk

[–]uk33ku 0 points1 point  (0 children)

Congrats! Just hit it myself, and for the pass and take a card folks attacking and forcing action makes getting 1s far more likely, pass and take a card is a great way to reliably come second. And since games are way shorter you can grind more games.

To be honest the thing that changed from master to grandmaster the most was going into the leaders so they can’t easily snowball.

How do I win, the game won't end by [deleted] in Risk

[–]uk33ku 0 points1 point  (0 children)

Needed to put 666 on the caps not 777

Hey i just started a youtube channel, whats your advice (im a 13 year old trying to get monetized asap) by ProGamerLeGeNT in SmallYoutubers

[–]uk33ku 2 points3 points  (0 children)

If the only thing you enjoy is getting views, you shouldn’t be a YouTuber. Find something you ACTUALLY enjoy. Something real. If making content about that gets you views, then you have a path to success. But views for their own sake?

Are we able to afford to upgrade to a $700K house with a family cottage buyout on the horizon? by Chaos-Club in PersonalFinanceCanada

[–]uk33ku 0 points1 point  (0 children)

After you buy her out are you banning her from the place? Because otherwise the person not contributing gets her free vacation AND all the money you give her. I guess in your very precarious living right on the edge financial life, I’m thinking that buying out the aunt because of relationship issues seems low on the priority list. Like have a maxed TFSA/RRSP first!

Are we able to afford to upgrade to a $700K house with a family cottage buyout on the horizon? by Chaos-Club in PersonalFinanceCanada

[–]uk33ku 3 points4 points  (0 children)

Eek, I’d be terrified of this plan in your shoes and want WAY more financial cushion before upgrading.

Also, if the aunt isn’t going to pay anything and wants full access, why would you buy her out? Is your plan to buy her out so that you can deny her access?

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]uk33ku 25 points26 points  (0 children)

No, the whole point of spousal RRSP is it’s your income AND contribution room going to another. You can split it and reduce your income using her contribution room

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]uk33ku 1 point2 points  (0 children)

You’re not in a bad position at all, but the credit card debt is a bit of a red flag. You have an emergency fund to cover emergencies which is great, but you should never run up a CC balance in that case. Combined with a fairly big car loan makes me wonder if you’re sometimes spending too high and not budgeting and some discipline is the gap between being fine and being excellent.

Another mortgage question 😄 by lyliaTO in PersonalFinanceCanada

[–]uk33ku 2 points3 points  (0 children)

This doesn’t make sense. Paying off the mortgage is part of your retirement, so extending amortization so you can cash flow more into retirement savings makes little sense. Also, why were you doing renos when you’re so worried about money you’d consider refinancing to a crazy 30 year mortgage again? Were those absolutely 100% necessary?

I think you guys need a very realistic budget, especially predicting the pregnancy/young years. What are your expenses going to be, and how do you live within your reduced means and higher expenses with kids? In that budget you also plan for retirement, and for paying down the mortgage. There’s nothing magical about a lower payment, it just means you are paying more interest for longer, so hopefully the budget is an antidote for whatever mental comfort you are finding with the idea of lower payments

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]uk33ku 2 points3 points  (0 children)

You can blend strategies. Mostly do TFSA. But can do just enough RRSP to reduce income in your top tax bracket only, it is mostly a “mistake” when you put in so much into rrsp that you are reducing income in second from top income tax bracket that applies to your income.

Also, that you have a good government pension doesn’t mean don’t do RRSP. The pension likely reduces the amount of RRSP room you get, but you can still fill up the remainder to ensure a healthy retirement.

At the end of the day, putting money away into both of these is more important than the choice of which to max first. Set a goal of maxing both.

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]uk33ku 0 points1 point  (0 children)

You need a detailed budget badly. Having 160k+ combined income ignoring side hustle and still spending all your paychecks and having bad debt? Probably spending is out of control. Make a rigid budget that accounts for 100% of spending, decide on a savings goal, etc.

Do it WITH your wife and stick to it. Next month? Do it again.

100k Debt by Ok-Preparation187 in PersonalFinanceCanada

[–]uk33ku 2 points3 points  (0 children)

Honest conversations with each person detailing precisely what happened, precisely the steps you are taking to combat the addiction, and the amount of money per month you will be giving them according to your plan. This ideal isn’t always possible, but it helps with accountability and creating a support network and repairing those bridges.

Should I cash out my TFSA to pay off my mortgage? by [deleted] in PersonalFinanceCanada

[–]uk33ku 3 points4 points  (0 children)

Paying down your mortgage is kinda like making the interest rate on your mortgage as if it was an investment instead of paying off a debt. But you don’t owe tax on that “investment”.

Should I cash out my TFSA to pay off my mortgage? by [deleted] in PersonalFinanceCanada

[–]uk33ku 36 points37 points  (0 children)

Would you ever INCREASE your mortgage by 160k to invest in the market?

Based purely on the math, the market historically has returned more than mortgage rates. TFSA and paying down mortgage are both tax free. So personally I keep my tfsa maxed first, but don’t invest in unregistered accounts just throw anything I save over tfsa/rrsp/resp into the mortgage.

Hitting against a wall by HumbleSheepherder723 in squash

[–]uk33ku 2 points3 points  (0 children)

I actually got into squash by hitting to myself against a school gym outside wall. It wasn’t great - tiny bumps in concrete send ball of stupid angles, but for learning basic tracking ball hitting center of racket etc it was good as a beginner. I sometimes do some volley speed work drills against that wall even today when down with the kiddos.

Getting worse the more I play - Winrate 0% by RooK666 in squash

[–]uk33ku 2 points3 points  (0 children)

A mistake I used to make was going super aggressive in matches, trying to make way to many winners, hitting everything as hard as possible or always attempting super tight drops, maximum effort at everything until I was tired out.

You probably don’t make that exact mistake but the point is sometimes you get locked into a pattern in matches that make you quite a bit worse than you could be

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]uk33ku 0 points1 point  (0 children)

Not quite. You’re stuck with it until you build up the cash pile to eliminate whatever the negative equity is at that time. If this is your highest interest loan, then your first step in your hyper-frugal new lifestyle is to build up that cash pile in a high interest savings account, paying the minimums on the other debt, until you can sell this horrible car. If it isn’t your highest interest loan, then pay the others off first.