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  1. Gravel

    Cherry (2021)

    Wow, this was kind of a fucked up movie. I originally thought it was Tom Hardy and not Tom Holland. Good, but depressing.
  2. Gravel

    New World

    That was my comment about that fashion show video they put out. The character models looked like they were at 10fps and everything else normal. Sounds like that's the actual game. What the fuck?
  3. Gravel

    Investing General Discussion

    I honestly don't understand PLTR. It's almost like a fucking meme stock, but with an actual business behind it.
  4. Gravel

    Dark Alliance (Drizzt and co in Icewind Dale)

    I mean, my brief experience with the game I wrote about the other day, but essentially enemies (mostly bosses) that have literally zero frames to their move that one shots you. I don't know what you're supposed to do in that situation? Hell, we had the one boss in the 2nd level who would just...
  5. Gravel

    Investing General Discussion

    I would never recommend liquidating your entire portfolio unless you're moving it to some other investment vehicle. You'll never get the time back.
  6. Gravel

    Investing General Discussion

    Oh, I absolutely agree. I remember reading something right around the 2016 election that was very level headed and amounted to "everyone thinks the world is going to end with an incoming President, but we survived Clinton, Bush, and Obama without anything too terrible happening. It was all...
  7. Gravel

    Investing General Discussion

    Because life is a zero sum game. The assets I tie up in a paid off house are alternatively used as an investment. If we're just adding a miracle $300k for a house to my assets, that's fine. But in real life that means I'm working for several extra years. Alternatively, I can get a mortgage and...
  8. Gravel

    Investing General Discussion

    But how many people are buying houses with 100% cash? How many people are delaying normal retirement because they still hold a mortgage? You're essentially arguing that you need to have a paid off house to retire. That seems an odd stance to take. There's actually a large argument in early...
  9. Gravel

    Investing General Discussion

    Why would I liquidate enough for a house when interest rates are under 3%, when I can keep it in the market earning 7-10% in an average year? In fact, taking 30% of our net worth and throwing it into a house means suddenly we don't have enough to retire on, because retiring early is 100%...
  10. Gravel

    Investing General Discussion

    That's why I said to each their own. If the information I wrote doesn't apply to you (since you have a pension at 50 you're holding out for), maybe it helps someone else. I'm good with that. I will say the whole "I like my job" should always have a caveat of time. You like it now. Having the...
  11. Gravel

    New World

    Why do the models look like they're moving at 10 FPS and everything else is 60+?
  12. Gravel

    Investing General Discussion

    I mean, to each their own. You've got so many years on this planet. There's a cliche about how no one is on their death bed wishing they'd worked more. If you're working an extra 5-10 years for "gravy," just realize you're sacrificing years of your life for money you may never spend. Worse...
  13. Gravel

    Investing General Discussion

    So you save more. You don't have to use his numbers. If you spend $80k a year, save $2 million instead.
  14. Gravel

    Investing General Discussion

    Oh. I'd say don't put extra into company stock or an ESOP. Essentially you're putting all your eggs in the company basket. You already rely on them for salary. Ask Worldcom or Enron employees how that can go wrong. A good way to look at it is if you currently made $100k and are saving $25k...
  15. Gravel

    New World

    BDO sucks because not only can you not make "progress" you can actually go backwards. That's why I quit. It's one thing to spend dozens of hours farming so you can attempt an enhancement. But if you fail, you end up going backwards and losing a level. And that's more often than not. So I just...
  16. Gravel

    Investing General Discussion

    I guess I'm not entirely sure what the question is. Pull from 401k to put towards stock meaning...future contributions? It'd help to know what your goal is. If you're thinking about retirement planning, you should also start figuring out what your actual expenses are (how much you actually...
  17. Gravel

    Investing General Discussion

    I hope they just don't ever fuck with the Roth conversion ladder.
  18. Gravel

    Investing General Discussion

    Kind of an aside, but I miss seeing my portfolio increase so much. The last couple years especially, where we were able to max out 401k's, IRA's, and dump another large chunk into our taxable. My wife is only working about 5 hours a week now, and I've decided to forgo my 401k (it's a new job so...
  19. Gravel

    Investing General Discussion

    So the reality is that the market is almost always at an all time high. It's some ridiculously high number (80%?) that it's trading within 5% of the top. That's how it is when "the market always goes up." On long timelines, it does. At least over the 200ish years of its existence. Start dumping...
  20. Gravel

    Dark Alliance (Drizzt and co in Icewind Dale)

    It's definitely not that bad. It's definitely not a great game, but based on what I've played of both, I look at it similarly to PSO2:NG. Both games saw a bunch of hype, I figured I'd give it a shot for free, and both had janky ass movement and camera shit that made me just not want to play...
  21. Gravel

    Bitcoins/Litecoins/Virtual Currencies

    I swear I made a post a month or so about these events where they vanish with billions, and someone assured me they wouldn't happen anymore.
  22. Gravel

    Dark Alliance (Drizzt and co in Icewind Dale)

    Wait, you can change the difficulty mid run?
  23. Gravel

    Investing General Discussion

    Jokes on you, my average cost for PLTR is $27.59.
  24. Gravel

    Dark Alliance (Drizzt and co in Icewind Dale)

    I mean, we played it on the first day to see if the negatives were overblown. They weren't. We likely won't play again. If we do, it's because the gaming industry fucking sucks ass and there aren't any new games to play. For some reason they decided to backload them all into October.
  25. Gravel

    Dark Alliance (Drizzt and co in Icewind Dale)

    We went to CR2 for our 2nd map, and it was super easy up until the boss. Then it became a clown show. I died 37 times. Half the movesets had 0 tells and would one shot you. I don't know how anyone could test that and think it made sense. It essentially became a cheese fest as we had to stun...
  26. Gravel

    Dark Alliance (Drizzt and co in Icewind Dale)

    So it could be okay I guess, but man the combat and movement is just so janky. Crashing out after every single match is super obnoxious. That can be fixed. Combat though, not so much.
  27. Gravel

    Dark Alliance (Drizzt and co in Icewind Dale)

    I only played the "tutorial," but I noticed freezing in the hub area. Like, open that chest thing and it just pauses for 2 seconds. Every time.
  28. Gravel

    Dark Alliance (Drizzt and co in Icewind Dale)

    It sounds like the AI is shit, the net code is shit, and the entire combat system is shit. I'm not sure how you fix those ever, much less in a few patches.
  29. Gravel

    Investing General Discussion

    I mean, it's just going back to where it was Thursday before it dropped Friday...it's a whopping 1% fluctuation down and now back up.
  30. Gravel

    Home buying thread

    I had that moment when we went to Newport, RI before I started OCS. You go tour the mansions of the gilded age era. What isn't immediately obvious until you go there is that it's essentially a bunch of neighborhoods and you tour a house among a bunch of other mansions. You then walk a couple...
  31. Gravel

    Valheim - Viking Survival Game (Early Access)

    So not only are they not making any updates, the one they've got adds...onions and some furniture? Who gives a shit about that kind of nonsense? At best, it takes you an extra 2 minutes to build all the furniture they add, on something they spent months making. Talk about misguided wastes of time.
  32. Gravel

    Dave

    Huh, had never even heard of this one. Watched the first episode and that was hilarious. Thanks FoH!
  33. Gravel

    Who died? (Celebrity Deaths)

    Damn, didn't realize Fred Willard died last year either. That sucks. Just rewatched Best in Show a few weeks ago.
  34. Gravel

    Investing General Discussion

    You're assuming any of it goes to anything you'd actually consider "infrastructure." It's going to be $3T in current dollars of grift.
  35. Gravel

    Home buying thread

    Didn't really want to do it so soon, as the stress is starting to wear on us (lost our dog in January, quit my job in March, sold the house in April, moved across country), but we started the home search here in Florida. Mentioned before we paid $240k in 2015 for 2100 sqft. We're looking at...
  36. Gravel

    Investing General Discussion

    I'm sure they'll just say "it only looks bad because of covid." People eat that shit up. But as I pointed out, we essentially recovered economically in the summer of 2020. Shit shouldn't look so bad YOY anymore.
  37. Gravel

    Bitcoins/Litecoins/Virtual Currencies

    I mean, the way you make money with them right now is arbitrage. That's not a new concept. The use cases for crypto are not the same as trading coins.
  38. Gravel

    Bitcoins/Litecoins/Virtual Currencies

    This sums up my feelings about all of this pretty nicely. It's a bunch of people "investing" in a bunch of coins, but they don't actually care about the nifty shit it does, they just want more people to buy in so they get rich. If BTC or ETH ends up just being a new currency pegged to the...
  39. Gravel

    The E3 2021 Thread

    That's kind of funny. I tuned in to Lirik and he was just dicking around his Steam library, so I figured it was just a break in presentations. Decided to click the actual E3 stream and holy shit. What the fuck is going on? Someone make a list of who is participating in this so I can boycott...
  40. Gravel

    The Outer Worlds

    That's a good way to describe it. Tedious. I really didn't enjoy it. Can't remember how far I got into it either, because it was all so unmemorable.