April 18, 2015, 03:34:01 PM *
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1  Non-Gaming / Hardware / Software Hell / Re: New gaming computer? Where to buy? on: April 17, 2015, 09:33:58 PM
Got to hand it to Falcon NW. They sent me an email today instructing me to run a bunch of tests on the system just to be sure the BSOD wasn't something more serious.
2  Non-Gaming / Off-Topic / Re: This Is Fun Pt 3: This Time It's Personal! (possibly NSFW) on: April 17, 2015, 06:18:54 PM

Quote from: ATB on April 17, 2015, 05:39:35 PM

...and images and also lighten  up Francis.

So I can post a picture mocking Christianity that involves someone being violently killed and just tell you to lighten up because it's social commentary? F*** off ATB.
3  Gaming / Console / PC Gaming / Re: Hearthstone on: April 17, 2015, 04:20:32 PM
I played 3 games last night at rank 24/25. Didn't even see a new card. Not even a Nax card (besides the ones I was playing). Only one person was an obvious just started deck, but the other 2 must have been people like me, who had played and taken a break. It was nice feeling like a god among men at those levels. icon_twisted
4  Non-Gaming / Off-Topic / Re: Star Wars Episode VII Director Revealed on: April 17, 2015, 04:17:08 PM

Quote from: ATB on April 17, 2015, 04:02:33 PM

Well if it's any consolation, my first impressions of the new terminator film were negative too. But the latest trailer has me................ believing?

This trailer does nothing for me.  In fact the teaser for QT's new movie Hateful 8 gets me more jazzed and it doesn't show anything from the film.

Well, as proved by your latest picture posting, you are dead inside.
5  Gaming / Portable Gaming & Apps / Spiderweb quits iOS on: April 17, 2015, 04:14:30 PM
Pocket Tactics is reporting that Spiderweb Software has pulled their iPad games and will stop supporting it. This is the company (guy?) that makes the Avernum games as well as various other similar RPGs. I guess 8.3 broke all his games on the iPad and he can't be bothered to fix it. He also cites problems getting noticed, spending too much on advertising, and just being sick of Apple.

I get the sick of Apple thing. I listen to some Apple podcasts, and the complaints about Apple's weird policy changes and rejections are common. It also seems they will break things with iOS updates. I also get that it must be very hard to get noticed on the App Store. There is so much out there and almost everything seems to be F2P now, in fact it seems almost expected at this point. There isn't much demand for premium games it seems.

On the other hand, if you make really good games they will get word of mouth and sell. At the same time though, people seem to expect a much higher graphic/sound level in games today and that is something that Spiderweb has failed to do. The games' interfaces and graphics have barely changed over the years. While not necessarily a bad thing, I know I would have loved to see an update. I have tried many many times to get into the company's games but always end up bored after a couple of hours. It never helps that I find the interface just a hassle to use.

Still, it's sad that the iPad lost a big name in classic RPGs. I have all but given up on gaming on iOS at this point. If something gets a lot of hype, like Alto's Adventure, I will pick it up, otherwise I don't even look anymore.
6  Non-Gaming / Hardware / Software Hell / Re: New gaming computer? Where to buy? on: April 16, 2015, 11:50:13 PM
I would gladly pay an extra thousand for a system without an annoying buzz Blackjack! icon_razz

Honestly this system is louder than I had hoped (but still much quieter than my Alienware), but my main computer is an iMac that doesn't make any sound, even when gaming, so I might be a bit spoiled.

Falcon NW has a customer for life in me, assuming I have the money to be buying new gaming PCs in the future. Really liked the small company customer service you get from them as well as buying a PC that just screams quality. I don't blame the BSOD on them, it's how PCs are unfortunately, and if it happens again, I am sure they will fix it.
7  Gaming / Console / PC Gaming / Re: Hearthstone on: April 16, 2015, 11:43:51 PM

Quote from: Eco-Logic on April 16, 2015, 09:07:11 PM

Just send your friend Eco a message and he can quickly bring you up to speed on which new cards are a necessity.

Ha, thanks, I have a feeling there is too much to learn for you to teach it all to me in chat. I probably just need to work my way through the new content and lose a few unranked games to see where I need to be and get some of the new cards. I just don't want to spend the money right now since I have been buying $400 watches this month.
8  Non-Gaming / Off-Topic / Re: This Is Fun Pt 3: This Time It's Personal! (possibly NSFW) on: April 16, 2015, 10:38:46 PM
I find the use of something so horrible to make a really bad joke to be pretty disgusting.
9  Non-Gaming / Off-Topic / Re: Ok....I'm ready. Teach me how to invest on: April 16, 2015, 04:33:00 AM
Best of luck Ron, I am sure it will all work out in the long run.

Quote from: Ironrod on April 16, 2015, 02:08:43 AM

Speaking of which, has anybody mentioned target date funds yet? That's the simplest and safest way to invest for the long haul. The fund manager rebalances its portfolio to make it more and more conservative as your retirement date approaches. Now that we're just 9 years from retirement I steer a little more money each year out of the growth funds and into the target date.

I think they are great for people who want a low cost method where the can put money in and forget about it. Not sure I would say they are safest though. Like right now for someone retiring soon, those funds are shifting to a bond heavy ratio. We all know the interest rate is going to start going up next year and soon as it starts going up those bond prices are going to start falling. If you have a short time frame, you do not want a large amount of money in intermediate and long term bonds. That's is the problem with target date funds, they don't take real world happenings into consideration and it could burn some people close to retirement.

My short term investments I am heavier in short term bonds to try to counter the soon to be rising interest rates. My plan is to start shifting stocks into the intermediate bond fund as interest rates rise. Hopefully it will all cost average out after a year or so.
10  Gaming / Console / PC Gaming / Re: Hearthstone on: April 16, 2015, 12:26:24 AM
I want to play again, but I stopped right as the gnome expansion came out so now with all the new cards all my decks are grossly out dated. The thought of learning the newest meta game puts me off of even trying.
11  Non-Gaming / Off-Topic / Re: Re: Ok....I'm ready. Teach me how to invest on: April 16, 2015, 12:10:51 AM

Quote from: Canuck on April 15, 2015, 09:30:56 PM

Give your money to someone who knows what they're doing. That's what I do. The trick is to start early and play the long game. It's not seem but it works. Of course the secret is to start as early as possible (like 20) because that last doubling period (every 10 years at 7% with the rule of 72) is when your money goes from a decent amount to an outrageous amount.

Unfortunately you still need to know what you are doing. My adviser would ask for my input, but since I had no idea what I was looking at, I just took his word on it. I have since learned that these financial advisers are paid to push certain mutual funds, funds that may have high fees (on top of the fees you are paying your adviser). Not saying they all do this, but I would certainly compare your funds to some of the benchmark funds to see how they are performing. More important though is looking at fees. I was in some Legg Mason fund that had over a 1% expense fee as well as a load fee. It was insane. Actively managed funds that require these kind of fees usually don't preform any better than an index fund either.

Quote from: rittchard on April 15, 2015, 05:14:30 PM

Hehe - it always seems expensive... but then it keeps going up and just gets more expensive!  I debate this with a friend of mine a few times each year, and each time he has ignored my advice.  Had he invested the first time I suggested it, he would have made a lot of money by now.  My philosophy with Apple is this: do you think it will go up even 5-10% over the next year?  If so, why not just invest in it rather than leave your money in a 0.5% (or whatever it is these days) share certificate?  If you believe in the company and its products (which he claims he does), its almost a no-brainer. 

I know you are right, but I still can't bring myself to pull the trigger. I actually owned exactly 2 shares in in 2012. I meant it to just be a very small entry point just to get my foot in the door. The stock was too volatile (that's what I thought then, but I know better now) and I kept listening to the media's opinion that Apple was too high and was due to come down, so I sold it. I made like a $100 on it. icon_smile Anyway, I own Apple though a couple of mutual funds, that just isn't as exciting.

I made too many expensive mistakes when I was first learning that made me very gun shy. (Hello NFLX!)
12  Non-Gaming / Off-Topic / Re: Carls Jr - now in Toronto should I try it? on: April 15, 2015, 10:58:28 PM
I miss Smashburger so much. I loved that place. My favorite burger place, fast food or not.

@Eco, yeah I find Naedneks opinion strange. When he first said that about the quality, I was wondering if they have some sort of fancy high end Carl's Jr where he lives.
13  Non-Gaming / Hardware / Software Hell / Re: New gaming computer? Where to buy? on: April 15, 2015, 06:57:36 AM
And tonight the sound on it died. BSOD, and then sound no longer worked. Wrote an email to support. Guess I will find out how good Falcon's support is. It looks like I will be gaming on my Mac until it's fixed.

Edit: They were quick to respond. Told me to re install the driver (which worked) and to get a hold of them if it blue screens again in case it is a sign of a bigger issue.
14  Non-Gaming / Off-Topic / Re: Ok....I'm ready. Teach me how to invest on: April 15, 2015, 12:46:19 AM
For retirement investing KD, this is what I use as a guide. The Boglehead lazy investing method. John Bogle is the guy who started Vanguard, and that site has great info on how to do it (Vanguard's site also pushes you towards using these core funds). It's kind of a put money into 3 core funds and forget about it approach. Once a year you rebalance your bonds vs stock holdings to maintain your risk levels. That's it.

John Boggle's The Little Book of Common Sense Investing is also a good place to start. It's a quick read, and explains the basics of the method. I had a financial advisor though Wells Fargo and I would call him and have no idea what he was talking about. I once asked him what I should read to help me understand it all better. This book was his advice. I fired him the next month, sold all the crappy mutual funds he had me in (they were so bad they even had load fees) and started investing with Vanguard.

There are also sites like Betterment that will do all this for you. They of course charge you a fee to do it, and that kind of defeats the purpose. The whole goal is to reduce fees as much as possible, and you really don't have to do much if you handle it yourself, but some people would rather let someone else handle it. People seem to like it, but I would advise against it if you have time to learn some basics.
15  Non-Gaming / Off-Topic / Re: Ok....I'm ready. Teach me how to invest on: April 14, 2015, 11:16:36 PM

Quote from: Zinfan on April 14, 2015, 08:16:39 PM

It can be very hard to convince yourself that the time is right to invest but you have to take the long view and historicaly the market will rise hence why I buy index funds and hold them.

Right, but individual stocks are different if we're talking short term like I am. With a mutual fund long term investing, timing doesn't matter (assuming you are going to keep adding it). Even if I bought today and a crash happens next month, as long as I keep buying into it, I am just cost averaging it out. That's what happened in 2008/9, I didn't care because it was just a great time to buy low and I had decades to go until retirement.

With individual stocks for short term (a few years) even though there is a good chance I will add to my position later,  I can't just throw a few hundred into it here or there because of the fees. So I can't really cost average with a single stock. If I buy into AAPL now, I have to be really careful about the when.

I do use mutual funds for short term now (5 year time frame is the plan), but I am playing with fire. I have money in a couple of bond funds to reduce the risk. But interest rates are going to start rising at some point, and stocks are due for a pullback at some point. If both happen at once, I could lose my gains from the last 3 years. I just can't bring myself to put the money into a 1% savings account.
16  Non-Gaming / Off-Topic / Re: Ok....I'm ready. Teach me how to invest on: April 14, 2015, 06:12:17 PM

Quote from: rittchard on April 14, 2015, 03:28:23 PM

Buy Apple stock! 

I am actually doing an analysis paper on AAPL for a finance class right now. I want to put some money into it because their numbers are great, but it seems expensive right now. That's always my problem though, I struggle with the when to enter more than anything else.
17  Non-Gaming / Off-Topic / Re: Ok....I'm ready. Teach me how to invest on: April 14, 2015, 06:06:09 PM
What Clanwolfer said.

I love investing in individual stocks, but I did it more for fun than anything else. To do it right takes a lot of time and a significant portion of money. It almost feels like educated gambling and I was obsessed with it for a couple of years. It's great when you make money, but devastating when you lose it, which is far too easy to do.

Now I just do mutual funds. Vanguard because of the low expense rates. Not exciting at all, but it's easy and much more predictable. Now I just worry about my stock to bonds allocation.

The way I jumped in was just by reading finance sites. Found a stock that looked interesting, and was getting positive praise from the financial press (not a great way to decide, but I was new and trusting) and just bought $1,000 of it. As I learned more I kept putting more money into it and other stocks. You learn as you go, but mistakes can be very costly.
18  Non-Gaming / Off-Topic / Re: Carls Jr - now in Toronto should I try it? on: April 13, 2015, 06:42:59 PM
Ouch that was an ugly series of typos.
19  Non-Gaming / Off-Topic / Re: Carls Jr - now in Toronto should I try it? on: April 13, 2015, 06:23:52 PM

Quote from: hepcat on April 13, 2015, 05:55:00 PM

I just drove to BK and bought fries in the time it took to simply read that.   slywink

BK fries? I would rather eat week old Ironrod's oven fries. Tongue
20  Non-Gaming / Off-Topic / Re: Carls Jr - now in Toronto should I try it? on: April 11, 2015, 03:53:28 AM

Quote from: Ironrod on April 11, 2015, 02:56:50 AM

Today I finally fired up my grill for the first time this year. I can make a better burger at home in less time than it takes to go buy takeout.

My problem with home burgers is the fries part. I would never dream of deep frying at home, and oven baked just aren't the same. Next hardest part at home is finding good buns.
21  Non-Gaming / Off-Topic / Re: Re: Re: Re: [Apple] It's about time... on: April 10, 2015, 10:54:09 PM

Quote from: Canuck on April 10, 2015, 10:21:43 PM

I'm really looking forward. To picking up a Surface Pro 4 now that all the growing pains are over!

As a Surface 3 owner, I am not sure their growing pains are over, but it has come a long way. It's biggest problem isn't Microsofts fault though, it's that most software doesn't support touch controls. (A Surface Pro would be my first recommendation for a Windows based laptop, it's a great little machine.)

Anyway, people following the Chinese stores last night, showed that the gold watches sold out within the first hour. Of course we have no idea on the qualities available, but it shows that Apple isn't completely nuts.
22  Non-Gaming / Off-Topic / Re: [Books] Your Book of the Year? on: April 10, 2015, 07:35:46 PM
This place is slowly dying, just not enough traffic anymore without CeeKay.
23  Non-Gaming / Off-Topic / Re: Carls Jr - now in Toronto should I try it? on: April 10, 2015, 07:07:26 PM

Quote from: YellowKing on April 10, 2015, 06:36:03 PM

Down south they're called Hardee's. I've always thought of it as a McDonald's who cares even LESS about your health.

Carl's Jr used to be only a West Coast thing. Seems they are pushing east more in the last few years. I wonder if they get better sales under the Carl's Jr name? I know they are the same, but in my head Carl's Jr is higher quality, as I said above.
24  Non-Gaming / Off-Topic / Re: [Apple] It's about time... on: April 10, 2015, 07:03:46 PM

Quote from: Mystic95Z on April 10, 2015, 04:01:28 PM

I'm an apple fan (laptops, OSX, iphones) but the apple watch is just lame. 10k for one with a gold finish is beyond stupid. I'm betting its gonna be a flop...

Who cares there is a gold expensive one? It's not like they are pushing it on you, it's for a certain kind of person that isn't most of us. If there is a market for that kind of thing, which I am sure they researched, then it was a good business decision.

People said the iPhone and iPad would flop. They didn't, obviously. I do think it will become like the iPad, still sell incredibly well, but not be a product everyone wants. Other companies can only dream of having an Apple flop.

If last night was any indication, the launch brought in decent numbers.
25  Non-Gaming / Off-Topic / Re: [Apple] It's about time... on: April 10, 2015, 07:19:36 AM
I mistakenly relied on Safari and the store never came up. Picked up my iPad at about 12:04 AM PST and bought the Black Sport. 4-6 week shipping. It went quick. With Apple Pay, the whole process took less than 10 seconds at least.

People who ordered at 12:03 PST got 4/24-5/8 delivery. One minute later and it shifted to May 13-24. Reports are that the SS are selling out just as quickly.

Is supply that limited or is demand that high?

Edit: 42mm Black Sport already showing June deliveries.
26  Non-Gaming / Off-Topic / Re: Carls Jr - now in Toronto should I try it? on: April 10, 2015, 05:02:21 AM

Quote from: EngineNo9 on April 10, 2015, 04:35:02 AM

I can't understand how people think In-N-Out is a quality burger.  I would put them at the same level as McDonalds.  It seems like people who grew up in California have some sort of brain damage when it comes to In-N-Out.  Tongue

Ha! I didn't grow up there, only ate there twice even, and I remember loving it. It tasted like something you would make home if you knew what you were doing. Simple, with high quality ingredients.

Honestly, I am too old to be eating fast food anymore, so I rarely do. You guys suck for talking about it. Tongue
27  Non-Gaming / Off-Topic / Re: [Apple] It's about time... on: April 09, 2015, 09:45:56 PM

Quote from: rittchard on April 09, 2015, 08:25:35 PM

If it is sold out I might go for the more expensive version which annoyingly becomes like $1000+$50 for the sports band.

My original thinking was if I couldn't get the black Sport edition, that I could justify jumping up to the SS. But the more I think about it, I just can't bring myself to pay that kind of price on a first-gen model that I will replace next year (would be easier if they had some kind of replacement/upgrade plan available). Also, while I am looking forward to having the watch, I am not excited about it. I really just want an improved Fitbit that looks nice. I don't have a good reason to splurge on this version.

Supposedly supply is very limited due to hardware manufacturing issues, but I am having a hard time gauging demand. After the reviews yesterday, a lot of Reddit and web page comments were saying they were waiting for version 2. Then you have a lot of very vocal people saying how stupid the watch is and that it over priced. I just don't see a lot of excitement about the watch. Of course you probably can't judge demand by review commenters and Reddit.

Listening to a podcast last night (ATP) and they made an interesting point. If you listen to the rumors, the watch hardware was ready to go last September, but the software has been holding it back (also the early reviews of it being slow and Apple saying they are working on improving the software for it to speed it up). That means we are already dealing with hardware specs that are at least 6 months old. Not that there has been a huge jump in technology in 6 months, but it won't be long before they can give it a nice hardware improvement.

Of course this is all to be expected, as early adopters we should know what to expect.
28  Non-Gaming / Off-Topic / Re: Carls Jr - now in Toronto should I try it? on: April 09, 2015, 07:49:49 PM
They're ok, we used to eat there a lot when I lived in CA. A bit more variety than McDs, but as Wonderpug said, it's not high quality food or anything. If your looking for a greasy fast food burger they are fine. I would never choose one over the higher quality fast food restaurants that are everywhere now.

They are the same thing as Hardee's by the way, so if you have ever eaten there, same thing. Although I have always thought Carl's Jr was a bit higher quality than Hardees. I think that is because every Hardee's I have been in has been a midwest dive, while every Carl's Jr I have been in has been in newer/cleaner places.
29  Non-Gaming / Off-Topic / Re: [Apple] It's about time... on: April 09, 2015, 05:35:15 AM
Getting the 42mm black Sports as well. Reading around the Internet, that seems to be the far most popular option.
30  Non-Gaming / Off-Topic / Re: [Apple] It's about time... on: April 08, 2015, 11:25:10 PM

Quote from: rittchard on April 08, 2015, 11:00:39 PM

...but I do expect it to be a well-engineered gadget that will slowly inject its way into my everyday life.

From the reviews, do you think you will get that in its current form?
31  Non-Gaming / Off-Topic / Re: Compute Stick! on: April 08, 2015, 05:17:20 PM
It is very cool. Amazing to think its a fully functional PC. Still, can't think of a use for it. Tablets are more powerful and I don't need a monitor to use one.
32  Non-Gaming / Off-Topic / Re: [Apple] It's about time... on: April 08, 2015, 05:14:01 PM
I have a read a bunch of the reviews, it is pretty much as I expected from a first gen device. Good, but rough around the edges. Bit concerned about the slowness some reviews mention though, especially since the only reason I want one is for fitness and will be using apps like Runkeeper. I don't want to have to wait a second to see where I am for instance.

Reviews seem to be scaring people off of it if you read article comments. Apple haters are thrilled of course.

Edit: one thing that stands out between reviews and comments is that it's "not essential". Outside of my desktop computer and maybe my phone, I don't own a gadget that is essential. A smartwatch isn't even a must have, didn't we all know that already?
33  Gaming / Console / PC Gaming / Re: [PC] Heroes of the Storm on: April 08, 2015, 03:17:02 AM
Since I wasted one of Wonderpug's beta keys (it didn't grab me and there is other stuff I want to play more), the least I can do is provide more for GT. I have 4 to give away. Post here and I will PM one to you.
34  Non-Gaming / Off-Topic / Re: Star Wars digital HD movies released 4-10 on: April 07, 2015, 04:37:00 AM
I am not buying until we get the original theatrical releases.
35  Gaming / Console / PC Gaming / Re: The Talos Principle on: April 06, 2015, 04:38:39 AM
Thanks guys, I will try to stop worrying about stars and just do the levels. Maybe the stars will become easier with time.

I do have a question though, should I be trying to push through walls to find secret doors? Are there things like well hidden buttons to look for? Part of my problem with stars is that I am not sure what I should be looking for. Should I think like an RPGS and constantly looking for hidden things, or is it more like Portal?
36  Gaming / Console / PC Gaming / Re: Pillars of Eternity on: April 06, 2015, 04:33:01 AM
You only get experience for quests and killing new monsters I believe. The game does open up a bit more of where you can go later as well, but the first act is a bit limited. Still, I did things out of order in Act I which made for some of my early battles being really hard and some really easy fights later on.
37  Gaming / Console / PC Gaming / Re: The Talos Principle on: April 05, 2015, 05:21:25 AM
This game is driving me nuts! I do the room quests easily enough. I have to think a bit, but I haven't found one I can't figure out. Stars though, I just can't find them. I am skipping stars because I become frustrated, but it occurred to me that when I go back I will have forgotten the layouts of the levels and will have to relearn them hoping to find the star. It seems like I should be finding the stars now, not coming back for them later.
38  Gaming / Console / PC Gaming / Re: Pillars of Eternity on: April 05, 2015, 03:53:30 AM

Quote from: Teggy on April 05, 2015, 03:17:43 AM

I am a total noob with infinity engine games - is it common to encounter enemies in a map that you are not strong enough to beat and have to return to later? Like the
Spoiler for Hiden:
bear cave
in the map after the first dungeon.

Yes, you can end up places you aren't ready for in these games.

Spoiler for Hiden:
People have beaten the bear, so it is possible depending in your class. I skipped it, and  came back later to kill it, which messed up the attached quest and NPC interactions.  What you find in the cave results in a quest, but I had already dealt with the quest characters without knowing any better so it resulted in a dead end quest. Seems like a minor quest though.
39  Gaming / Console / PC Gaming / Re: The Talos Principle on: April 05, 2015, 01:04:08 AM
Late to the party, but enjoying it immensely so far, although I do tend to get frustrated with puzzles and rage quit. I have been able to do most puzzles so far and found a couple of stars, but finding the stars is driving me nuts. I found the star in one of the starting areas, but I can't for the life of me find anything to jam the door open. I think I have searched in every nook and cranny, but obviously not.
40  Gaming / Console / PC Gaming / Re: Pillars of Eternity on: April 04, 2015, 03:05:04 AM
And another patch. They must have screwed something up.

Edit: Fixes companion lock picking bug that was introduced.
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