After having run countless budget exercises, having met our financial advisor and talked to our broker, it looks like we’ll be moving ahead with the cottage purchase. My wife can attest that my level of anxiety this week has been through the roof, though the last 12 hours or so have been much better. As is clear with all of my posts, I’m a numbers guy, and I love analytics. So when a large purchase like this comes around, not only do I get excited, I start going all over the place in terms of options/scenarios.
I remember on Sunday talking with my wife about the absolute need to take those three steps (budget, advisor, broker) in order to come to a conclusion. I’m not buying a damn coat here, I’m buying property that I need to pay for the next 20+ years. She isn’t as well versed in all this financial stuff as I am, which to be honest, ignorance is clearly bliss in this case. Still, she knew it meant a lot to me and suffered through my protestations to get this going. After it all being complete (well, the paperwork is next) she’s certainly more appreciative of the nuances within. We spent more than a few hours looking over the budget spreadsheet, so I’m slowly converting her!
Which brings up an interesting topic, one that the advisor brings up from time to time – people do not know how to budget. I don’t mean worry about every penny but I do mean understanding where the heck your money is going. I don’t get how budgeting 101 isn’t mandatory in high school. I remember helping out my brother a few years ago with his budget. What he thought he was spending was actually less than half of what he actually was spending – and that was just fixed costs. Brining those numbers to the front really shocks people into action.
Not everyone needs an official financial advisor, but everyone should have a friend who’s really good at accounting. Everyone needs a budget. There are plenty of sites for it too. And evaluating your spending based on your budget is super important, so that you modify it as need be. Heck, most banks will offer the service for free, then set up extra bank accounts and automated transfers between them. As an aside, no one should ever pay banking fees – if you are, change banks.
All of that to say that a solid budget makes life so much easier, since you’d then have the basic tools to manage your money. Heck, you might even realize that you have way more freedom than you thought.
The tablet fix still isn’t working. I can read the device through USB but the screen (not the digitizer) will simply not work. Next step is to try a HDMI output and see which component is faulty. I was really hoping it was just a loose cable, but it wasn’t any of the obvious ones. The sort of good news is that I’m realizing that I don’t need the tablet to get work done. It’s incredibly practical, but not essential.
By far the #1 page on my site these last few days has been my rune guide. I’ve updated it with an example near the bottom, on an ilvl90 weapon for my engineer. I used service tokens to re-roll the slot (all the tokens were from the daily login bonus) and it’s in pretty good shape. It went from 315 secondary stats to 1115, plus set bonuses that come out to an extra 150 points or so.
It’s a very noticeable boost, though there’s more tweaking I need to do on other pieces. I took my engineer to the Badlands and the 2man bosses within (bone dog and spider queen) dropped down much faster. Even the regular enemies now fall down with a single electrocute channel.
I am surprised/disappointed as to how much runes are a major factor in end game now and as to how little NCsoft explains this to the player base. It would be an easy argument to make that someone in fully runed ilvl60 gear would be more powerful than someone in un-runed pre-raid gear. It’s why gating content behind ilvl is so tricky, you can’t really measure rune power with it. And even some runes are very expensive for little benefit. The raid level runes (ilvl 100) are cheaper than the dungeon runes (ilvl80), and by a wide margin.
I guess that’s why the guide is so popular. People are starting to figure out how important runes are.
We looked hard at cottages this summer. We almost sold our house to move permanently on the water, but couldn’t find that one spot on the right lake close enough to work. Constantly looking!
Thanks. We’ve been lucky to have been at that cottage quite a few times over the past few years, as it’s owned by a family relation. We knew from the start it was temporary for them, so we put our name on the list. Things have worked out fairly well in that regard.
The best part is that this place is on the water, 45 minutes from my current house. It’s too far for the kids to go to school, so it can’t be the primary residence. It is close enough though that I could commute from there for a long part of the summer.