FWIW this is just my opinion of the state of the game. I'm aware I'm a nobody. I'm not claiming I'm good at any game or that I know more than anyone about anything. Just wanted to put this somewhere to hopefully encourage some changes. Also, I've only played PvE so these are just some notes from playing that mode only. I also don't have the solutions. I don't get paid for that.
​

• Not enough content-- not enough to loot/no money to be made in-game. Think of every other looter shooter and all the loot they have. This one has the basics: Weapons, armor, rigs, backpacks, ammo, and meds. Expand on that. Even if there are useless items to loot just to make some money, that would be great.
• The map is too vast without any activity between locations. Hopefully, this is just temporary for EA, but walking around the woods to find an LZ is so boring.
• No death markers. Realism would mean that once you die in the game, you're gone, so remove that argument. If I die in a random place in a bunch of tall grass or a cornfield, I'm not going to know where to look for my body to loot my stuff -- it's almost impossible. Most games -- if not all-- that allow respawning and retrieving loot at the very least have a death marker.
• Server crashes. I don't think I need to expand on this, but one thing I'll say is that I'll not play PvP until this is smoothed out. Losing my gear to a server crash is far more infuriating than losing it to a player (even if they're LZ camping, smh).
• Not enough helicopters to go around and too big a map to wait for one. Players have to constantly wait for a freed-up chopper and even when you get one you have to wait even longer for them to arrive and then deliver you. I get that it's a faction game, but let's be realistic, no one is sharing rides bc we're questing, and not everyone's on the same quest, plus some people just don't communicate at all. Maybe if helicopters announced a destination to the faction on a pickup?
• The game disconnects you if you're afk too long (just happened to me) and when it does, you lose all your gear. I don't know if this is a bug, but it sure as hell shouldn't be like this in the final product. I totally get not wanting players taking up space in a server just to sit somewhere on the map and afk. But at the very least, give us back our gear that we went out with --even minus what we used while we were out. Idk, what the solution is here because I understand this would be an easy way to farm w/o heli's but kicking us and taking our weapons, rig, armor, mags, backpack.... I mean, come on. Maybe even let us reconnect to the same server and put a "death marker" or waypoint on our last known location so we can fly back out and grab our stuff.
• Quests are too server-sided, forcing players to have to rush to a location, haphazardly, to complete an objective, ie: kill # enemies in _____ location. Especially when everyone is already there and has already killed them all. There are already too few locations for 3 factions worth of players to explore and when the servers are even half full, even if everyone doesn't have a "kill x amount of enemies" quest, they still have to kill the enemies to get something else done, leaving you with no enemies to kill. What's that? Just get there first? Sure, why don't I just run in there without any care in the world and just kill them all real quick, that's realistic. That's tactical. That won't get me killed. Rethink the questing a bit. This is where the random loot items come in (I realize that's already a thing for some client-sided quests).
• Geaattachments at vendors are not well thought out. ex: you can buy ring mounts for scopes but can't buy scopes until later....what's the point in that? You also have two traders that pretty much sell the same things, not really making a good argument to buy/sell from one or the other. Hopefully, once more content is released in the game, like more weapons, loot, gear, etc. this will change, but the devs should definitely think about the order of things. Tarkov had this problem early on as well.

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There are more things to add for sure, but these are top on my list. I hope this doesn't seem like I'm attacking the game or asking anyone not to enjoy the game. I think the game is a really cool concept and have been excited about it for some time now. I just don't think I'm personally enjoying it just yet. Maybe in the future. GLHF and thanks for reading. 🙂

Mostly playing duo in PvE. Both level 20, and about 70 tasks done.
Just to check-in: optimization, heli availability, server quality, stability.
Good: - Interesting and non-grindy tasks (150 tasks claimed by devs). Probably, 100+ hours of solo gameplay just on tasks - Beautiful map and locations - Dense vegetation gives new experience and visual appeal - Interesting health, meds, death mechanics - Immersion: no hud, ammo, etc. Realistic balistics, health, hit, armor, reload - Decent AI: strafing, hiding, shoots through windows, thin walls (more feedback on bad section) - Great looting system for AI: can loot AI weapon, equip - Enjoying game engine technologies: Lumen is great. Ability to see realistic lights and shadows are great for immersion and pvp. You can spot enemies by their shadow or reflections in windows, water.
Bad: - O P T I M I S A T I O N: Big towns... Tiger Bay RIP fps and 100% melting CPU - Imbalanced weapons: m4a1 just chainsaws everything with 800+ rpm. Everything else is useless. - Unoptimized LoDs: pointless to be a sniper if objects become blurry mass in 300 meters. - Bad terrain and obstacle accessibility: Easy to stuck, impossible to climb or walk high ground, impossible to walk in narrow spaces. - Bad transportation: heli always unavailable and too long to travel (6-15m from order to arrival to base). Bad stamina system and no auto-run, makes impossible to travel far than 500m. Nothing else besides heli (cars, trains, boats, motocycles, ropes, kites, parachutes) - Bad ammo indicators in inventory: too long and unpleasant to choose right ammo. Need better visuals and indicators for different ammo types and calibers. - Imbalanced AI: can see through vegetation and obstacles. Immidiatelly see player after being hit. Bad network or smthng, sometimes dont die from 10 hits to head covered by bandana. - Poor squad QoL: many task types isn't shared - leaders, enemies ellimination, flash-drives, containers. No indicators for squadmates. No safe trading/exchange. No squad map icons and waypoints. - No loot protection: anyone can steal loot of killed enemy (need some kind of temporary block for 30s-1m. Too many rats looting keys while you fight. Or steal containers behind locked doors which you unlocked). - Lack of inventory management QoL: ammo boxes, med boxes. No items swap in inventory. No restacking, grouping, filtering, sorting (same for vendors). - No server-jumping protection: right now you can jump servers as much as you want and loot certain containers and bosses. Without some kind of protection/delay/penalty it will be impossible to design better PoI with decent loot. Its easier to fly back and logout than waiting 45m-1h for AI/container to respawn. - Bad economy: Lack of free starter gear and ammo. No repetative/daily/weekly tasks. Even rare weapons and attachments costs 1/10 or 1/20 of tier2 loot. Grindy. - (need to confirm) No cash/loot protection: players can give cash to other players and then wipe account. It may create "mule accounts" to grind starter quests for day or two and then transfer to main account or friend. - Bad door interaction: slow and clunky opening/closing. Bad accessibility (need to point to door handle). - Bad friendly fire protection: already leads to disaster. Certain players just hunt friendlies because its easier than fighting other factions.. and friendlies are always visible on map. - Body disapearance: shouldnt be like that. It eliminates motive to pvp if you can wipe previous body, and creates big toxicity to lose body on second death.
Desires: - Bigger camps: shooting range with indication to test weapons, ammo penetration to different armor. Immersive shops like in GTA to see what you can buy. - Bigger map and more players: at least 200-300 players per server and map need to be bigger 30%. - More maps/modes: To divide PvE, PvP from each other. Other games shows that these things better to divide to avoid high toxicity among players. PvP should exist separatelly and not share progress/loot from pve. Ideally, different maps. - Better locked doors: keys has to be rare. Need different tiers of doors and lockpicks, and explosives for 1 time use. e.g. wooden doors should be easily opened by shooting with shotgun to a lock; steel doors with c4; or more silent but longer and vulnerable picklocks - More persistency for servers: ability to rejoin and play same server. Potential camps, stashes, survival mechanic - Better wardrobe: should be able to see full equipped character model to tune outfit for better camouphlage, visuals. - Player hand gestures and emotions - Day/Night cycle: to enable flashlights, night vision, flares. Or, instead of cycle it has to link with server time. - temporary deployable items: camo nets, mines, sandbags, ladders, etc. - More weapons, outfit - More faction collaboration: faction chat, togglable/tunable faction radio with volume control. - Heli QoL: visible route, queue, more heli types (paid heli, free heli, task heli from task LZ) - More secret random/static loot: specific items in specific places with random spawn times. Like, a unique weapon with mods in boss room or AI death bodies in forrests, or camps, loot forgoten in cars, etc. Need more PoI outside of major towns. - Perk/Skill system: medic skills to quicker heal, spot friendly enemy/injuries. Many others. - More tools: binoculars, shovels, lockpicks, etc.
Add your ideas in comments.

Hey there y'all. Its early access, I've played for the last week and I have some opinions of things that need a bit of work before I consider this game to be added to my list of regularly played games.
1): First of all, I think Helicopters need a queue system. I am fine with waiting 10minutes for a helicopter. It gives me time to use the bathroom, grab a drink, or do some last minute checks to make sure I'm ready for a raid. However, I shouldn't need to spam click the map to ensure I get a ride. Selecting where you want to go and being informed of the wait time would be fantastic. Also, being able to cancel your ride should also be a thing. Not being able to call in a heli to a destination that is already enroute or coming in to pick up at base should be a thing.
2): Full Healing at base should be a thing. Setup a med-tent that you can pay someone to give you an exam. Whatever, I don't care. Just let me full heal because I'm not sure if there are underlying problems when you heal, but it definitely seems that way. Sometimes I will do surgery on my lungs and then the next time I'm shot with anything, even a browning pistol I get 1 tapped.
3): AI aimbot is wildly OP, even in the starter towns. I do think different AI should have different layers of accuracy depending on their area. Like Midnight Sapphire Versus Nam Thaven... Local thugs versus trained military should have different levels of accuracy. They already have different ammo and gear, it just makes sense. But constantly being 1shot by local thugs through walls is kind of wild.
4): If servers are on a regular restart time, that needs to be announced before it just shuts down. The thought, "I hope I get back to my body before the server goes down" should not ever be on my mind while I play a game. The amount of kits I have lost when I'm literally looting my body after I died in Ban Pa is absurd. It seems like servers restart every day around 10:30pm EST. Now this absolutely might just be high traffic causing server crashes, but that has been my experience and it is very frustrating.
5): Quests being locked behind keys that drop with an RNG element in extremely difficult-to-kill AI is a bad play through structure. I shouldn't need to kill all 130 Lamang Military Infantry in Midnight Sapphire just to find that none of them had the key I needed to open a door that I could just breach charge... They should either have static spawns ontop of being found on guards while doing your quest, or they shouldn't be required for quests. It is just a bad mechanic in its current state.
6): Everything is blurry past a certain distance and I have yet to find a solution that doesn't tank my FPS to the point of being unable to play. Obviously the game is early access and will be optimized as time continues, but this is currently a big problem and needs a lot of work.
7): Lack of loot makes this a Task-Shooter, not a Looter-Shooter. Now don't get me wrong, I enjoy filling up my bag with orange drink just as much as the next guy, but we need more variation. Obviously this will also come with time, but as it stands there really isn't much of anything to loot outside of guns, random civilian cloths, and food.
8): Infil & Exfil Heli camping should not exist. By all means getting into PvP right after you land or as you're flying away is a cool concept, but I think different factions need different LZs and they shouldn't be the exact same everytime. Nobody else should know where you're landing without having like a special perk that you pay for intel for the next X amount of infils for Y amount. (Ingame money, not P2W perks)
This is all I have for now, these major fixes will absolutely bring me back but for right now I think I'm going to put it down and invest my time else where. :) We will watch your career with great interest, GrayZone!

Whats up my dudes, its ya boy back in town, with another question.
I want do make an alpha analysis with dependent variable it goes like: alpha våben7 sanktioner, item aisis
Why does it say: no observations
https://preview.redd.it/xqxsln1nz6zc1.png?width=1352&format=png&auto=webp&s=4f0d227cbfddd8cb0b4335bf9e28919b89bc6268
These are the variables:
https://preview.redd.it/azdopm3f27zc1.png?width=852&format=png&auto=webp&s=855b169af39db570283e40ae628e05640cec27ce
Im really lost, please help
Thanks in advance

Just going to go straight into it.
1. Server ques and disconnections
Needs to be fixed. You can sit in a que forever and never get into a server, or you finally get into a server and shortly after finally getting into the server, you get disconnected half way into a mission (server crashes) and have to redo the que again...
2. Server que again
Another point about ques, they make no sense. My squad went from being que number 1 to number 3 like its going up and not down in ques times... Also to top it off, one person in our squad of 3 normally gets "network error" and failed to load and is also unable to join on us from the main menu and we all have to back out and reque again.
3. Bodies Disappearing
I wrote a whole thing about it here so not going to repeat myself. Long story shot. Change it to a timer system instead of dying twice = body disappears. https://new.reddit.com/GrayZoneWarfare/comments/1ci87r6/stop_bodies_from_disappearing/
4. Helis
Helis are kind of a mess. For one you cant tell where an ally heli is going to go until AFTER it takes off. (clicking the heli in the map shows where its going to go). So that means you just have to either chance the ally is going where you want, or wait 2-4 minutes to call in your own heli. If we could see ahead of time where the heli is going to go, it would most likely cut down on heli call in times and I wouldnt have to sit there for 4 minutes listening to "all helis in use" over and over. Also why cant you add our call ins to a QUE so we dont also need to hear this over and over again, just extent our timer and make us wait longer fine whatever but dont force me to spam the LZ over and over to get a heli call in. Just add a que system and problem solved.
Also for the love of god do something about the helis loud ass sound, it is so loud we cant talk in comms, plan things etc... if anything, a heli should come with standard with those yellow sound damping headphones automatically put onto the player, with a mic so they can communicate, you know, like how they do it in real life...
5. Performance issues
While I personally dont have performance issues. (I'm getting about 80-100 fps on max settings with a 14700k and a 3080) however, some of my friends are, one buddy is on a 2070 super and barely can get 60 fps after checking all kinds of settings. (for those that dont know if you use FSR and turn off Frame Generation you should get a good boost in FPS for lower to med systems, also turning on GPU Scheduling in Windows will also help).
6. Hit Reg Issues
I know it was a bigger deal in the early access tests and it was patched a bit to make it better, but its still a problem. You can be in the starter town fighting AI with no armor and they can still tank bullets like a boss. Doesnt happen all the time, but when it does happen its pretty annoying.
7. Extraction\Landing Zone Camping
This was an issue in the early access test and I'm surprised it hasnt been fixed yet. I would suggest making it so you are invulnerable for about 5 seconds after getting off the chopper. It would stop extract camping or at least reduce it. Also I would suggest adding 3 LZs to each place that has an LZ, one LZ for each faction that are equally space apart around the town/location. This way you cant just fly into the LZ and camp it from the enemy, they would need to go to the other side of town to find your LZ to camp it, making it even more harder to LZ camp.
8. Missions and AI Bosses
Would be nice if there was a little more descriptions to quests and maybe even images of what targets look like or images of what you are looking for. For example, the quest to kill the boss in Ban Pa basically just says "you will know what he looks like when you see him" and it ended up being a normal AI with a pony tail or something and thats not in the description of the quest. Why not add that to the quest and also post a picture of what the target looks like, in real life in the military you are not just thrown into the fray without knowing anything about the target, normally if possible they provide pictures of what your target looks like in the briefing... I think this would go along way in making questing more fun and engaging.
9. Quest Issues
Some quests descriptions are completely wrong. I forgot the exact name but it is one of the starter quests, it says to go to the "construction shop in town and find blah blah" however there is no such thing as a "construction shop" in the starter town. There is a market place and a construction parking structure and neither of which is correct location for the quest. The quest ended up being way far west of the construction site. If you were going based on the quest description alone, you would never find it.
10. Swapping Gear In Your Inventory
Swapping around some things in your inventory is pretty annoying. For example, if you have a gun in your backpack and you want to equip it as your primary, I need to drop my primary gun, equip the secondary from the backpack and than pick up my old weapon to storage in the backpack. It just feels like unnecessary work. Allow us just to click and drag and have it auto swap locations in the inventory or make it so the gun in the backpack is bound to key 4 or something and we can switch to it automatically with just a key click. (maybe make it so it takes a few seconds to pull out so it cant be abused)
11. Reviving Team Mates
I never really understood why we couldnt access the inventory of our downed allies? Its happened quite a few times where one of us ran out of meds and the one that got downed has a pile of fresh meds on him, but we are unable to loot him to grab them meds to heal our downed ally... It just feels rough and more thought needs to be put into this. Maybe make it so allies can only loot allies downed bodies, but not loot them if they are still alive to prevent griefing, or make it so only meds are lootable if an ally is downed and not their whole inventory.
12. Semi Empty World
World feels pretty empty and its noticeable while in the chopper. It would be cool to see some Dayz mod/Arma2 type style of things going on. Like missions that make you go into the open world and kill patrols or setup an ambush for enemy faction roaming AI etc... it would also be awesome if each faction has roaming AI patrols that could sometimes bump into each other and you could see them having a mini war from the chopper and maybe even jump in to help your faction AI win the battle etc... It would make the world feel more alive.
13. Money Doesn't Stack
And last but not least, money does stack when you sell things, its very annoying to have to manually stack like 20 smaller stacks of money for each item you sell.
14. Game Loop
What is the game loop? Once you complete all missions and you are fully stacked with T3 gear what is the end game? Just greifing the enemy faction and pvp? What is there to do in the end game, we have no game loop. I think some of the things I mentioned above (like roaming patrols and missions for them) might help but thats just a buffer, its not really an end game full loop. It would be nice see something other than just PVP in the end game.
15. Hold vs Toggle Q/E Lean
For the love of god, make it so we can change lean from "press" to "toggle" it is super awkward to try to hold E while going around a corner. Toggle would be way better for a lot of players.
My Thoughts:
Overall the game is pretty fun and I'm enjoying my time. I really think they have a good base here for something special to come out of it. However, I also I think the above things would go a long way in terms of QOL and making the world feel more alive, at least in the mean time while they draw up some more ideas of end game content.

I read the reviews. I read Reddit. I dropped the $$ on the basic Edition and gave it a whirl.
Now I didn't expect amazing performance, but hot damn. My system is in no way High Tier. Its a RTX3070 with an 11700, best I could get during the Great GPU Depression 3 years ago. Listening to all of Reddit and the Dev's I knew that I would be Low/Med with FSR Frame Gen. Didn't bother me none.
Loaded up the game, slapped all my setting to Low, and FSR Quality with Frame Gen. Rocked 80-110 FPS. But that was as good as it got. Game looked fuzzy, blurry, and hazy. MEH quality at best. Kind of expected.
The Initial Helicopter Ride was an awesome Microsoft Power Point Slide show of 4 - 6 images of scenery. Once off the Helicopter things looked less like a Power Point and more a Stop motion picture. I stuttered my ass over to the town. Disconnected by Server.
5 Minutes later, get loaded back in. Gear still there but back at base. Okay Microsoft Powerpoint Slide Show my ass back to same drop off. Stuttered my ass back towards the town. Server Disconnected.
This want on for about 30 minutes over several attempts. The ONE TIME, I did not get disconnected and actually got a task done. Called in the Heli for extraction. Stuttered my ass back towards it. The second the Heli touches down. Unreal5 Engine Crash.
I kept trying guys, but I saw my playtime get close to that 2hr mark and I was just too fed up. I refunded. Its EA access, but I am going to agree with, probably the minority here, and say It was all too soon and was almost force pushed early due to Tarkov Drama. Anyways keeping this one my back-burner, gunna keep rocking SPTarkov, and gunna wait on Infinite Breakout Arena
In my opinion, if you are okay with the Fuzzy, Blurry look of Low/Med with FSR Frame Gen, by all means play the game and enjoy. If you're like me and hate Fuzzy, Blurry, Slide Show pictures in your FPS game. Don't bother, unless you have an RTX4090 of course.

Rust&Chill will be giving away 25, 30 day VIP Silver today4/18/2024 and today only!!! We are a 5X PVE server that has a bi-weekly wipe on Thursdays at 2:30 est. Teams are 8 player max. We have PVP options including Raidable Bases, Heli Signals, Zombe Horde and so much more. We have free starter, med and tool kits. We also have VIP that can be bought on our website rust-n-chill.com. Enjoy the custom maps, Skill Tree and Quests for added fun. Join our Discord at https://discord.gg/SCyctypJ, post Silver in the giveaways channel and the first 25 will receive VIP Silver! On a side note we are in search of admins and moderators. To qualify you must be at least 18 with at least 3000 hours and prior admin experience. All must be verifiable! Admins and Moderators receive VIP as long as you spend at least 20 hours a week or more on the server. See you on the server!!!

Timestamp: https://imgur.com/a/l5XK8wW
Recent med issues (yay aging), so I’m parting ways with some gear items to pay the man. All items are in-hand and can be shipped the day after payment. PayPal G&S service works (as I am still under 11 flair) and buyers will cover the fees. All prices listed below include USPS shipping with tracking.
NO NOTES IN PAYPAL PLEASE
Photos here with timestamp.
SOLD Vortex Micro 3X Magnifier (Black) Box Included - $225 shipped
SOLD Vortex Micro 3X Magnifier (Rattle Canned) - $200 shipped
SOLD Primary Arms SLX 1X Micro Prism Gen II (FDE) (Box and additional height mounts included.) - Red Reticle - $175 shipped
SOLD Peltor Comtac III Dual Lead Headset (Recently replaced gel ear cushions and haven’t used since. Work great and comms have been tested with radio.) - $325 shipped
SOLD SWFA 1-4 Scope w/Illuminated Reticle with QD Mount (I believe it is American Defense, but it’s rattle canned so I don’t know for sure.) - $200 shipped
ONE SOLD Primary Arms SLX 1X Micro Prism Gen II (FDE) - Red Reticle (Box and additional height mounts included.) - $175 shipped
SOLD Motorola XTS2500 UHF P25 Radio w/Battery and Programming Cable (Programmed currently with GMRS freqs) - $200 shipped (PTT no longer included, split it on request.)
SOLD Modlite OKW (FDE but rattled canned) Light Head w/Surefire Scout Body and Arisaka MLOK Mount w/ ModButton Lite 4.5” with Surefire tailcap switch and 18650 battery - $300 shipped
SOLD Modlite PLH-V2 (Black) Light Head w/Surefire Scout Body with Integrated Mount (MLOK or Picatinny) w/ ModButton Lite 4.5” with Surefire tailcap switch and 18650 battery - $300 shipped
Hanging around watching the Masters, so feel free to DM and I'll follow up. At this time, no splitting items but I'm always down to combine things into one shipment if you want multiples of anything.

Those clock speeds and voltages seem sus. Does it look like someone was messing with it? Memory speed is also high.

V prejšnjem postu sem razkril kako so prav vsa Naložbena Življenska Zavarovanja NATEG BREZ PRIMERJAVE:
https://www.reddit.com/Slovenia/comments/1bwebas/nateg_imenovan_%C5%BEivljensko_nalo%C5%BEbeno_zavarovanje/
Res je, zavarovalnice omogočajodavčno olajšavo ki jo na veliko oglašujejo:
https://www.prva.si/wp-content/uploads/2017/01/prva-nalozbeno-zivljenjsko-zavarovanje-varcevanje-brez-obdavcitve.jpg
Vendar zavarovalnice na skrivaj ustvarijo toliko drugih stroškov da na koncu, navkljub rastočim trgom, dobite manj kot ste vplačali.
Mnoge zavarovalnice ponujajo tudi rento ki ni prilagojena na inflacijo in daje minimalne zneske. Pri Modri zavarovalnici npr. so v preteklosti bile rente za 550% (za 4.5 krat) manjše od rente ki bi si jo lahko ustvarili sami (*6).
Sedaj pa poglejmo koliko bi imeli če ne bi nasedali bombastičnim lažem malih slovenskih goljufov (ki sebe imenujejo “plemenitelji”) temveč bi poslušali enega največjih investitorjev Warrena Buffetta ki pri svojih 93. letih in 148. milijardah premoženja nima nobene potrebe da bi kogarkoli finančno nategoval. Buffett svetuje da investiramo karseda enostavno in da vse vlagamo v indeksni sklad ki sledi 500-tim največjim ameriškim firmam SP500 (*2). V skladu s svojimi prepričanji je Buffett zato svoji ženi v oporoki zapustil 90% kapitala v SP500 (*3). V EU indeksu SP500 sledi pasivni akumulacijski ETF SXR8.
V zadnjih 120. letih so delnice indeksa SP500 imele povprečne letne donose blizu 10% ob povprečni inflaciji 3.0% (*4). SXR8 pa je od ustanovitve 31. oktobra 2010 do 29. februarja 2024 imel povprečni letni donos 15.5% ob povprečni letni inflaciji 2.55% (*5).
Predpostavimo da bi vlagatelj od 50. do 65. leta let vlagal 200 € na mesec v SXR8. Nato bi dvigoval kapital postopoma po principu FIFO (first in first out) da bi se izognil davku. Mesečna renta bi ob 10% letni rasti znašala 835.45, trajala bi 15 let (do 80. leta starosti) in ne bi bila obdavčena:
https://www.calculator.net/interest-calculator.html?cstartingprinciple=200&cannualaddition=0&cmonthlyaddition=0&cadditionat1=beginning&cinterestrate=10&ccompound=annually&cyears=15&cmonths=0&ctaxtrate=0&cinflationrate=3&printit=0&x=Calculate#interestresults
Če bi se vlagatelj hotel zasigurati da bi renta trajala do “konca kapitalizma” v ZDA, bi vsak mesec jemal 635.45 € in pustil 200 € za “seme” za naslednji 15 letni cikel. Donosi bodo v tem primeru bili ne samo za 550% (4.5 krat) višji od donosov Modre Zavarovalnice (*6), temveč se bodo brez plačevanja dohodnine in davkov prenašali na vse dediče prvega dednega reda. V primeru pa, da bi vlagatelj želel da se renta prilagajala inflaciji bi moral tudi mesečna depozite večati vštric z inflacijo v ZDA in upoštevati tudi razmerje med valutama.
Če bi z vnosi 200€ (294.52$) začeli 2. januarja 2008 (ko je bilo razmerje €/$ 1.4726), bi 1 januarja 2023 morali vložiti ne 294.52$ temveč 1.4131 krat več kar je 416,18$ kar ustreza 390€ (ko je bilo razmerje €/$ 1.0667). To pa pomeni da bi februarja 2023 namesto 635.45 € dvignili le 445.45 €. Na ta način bi vsak mesec jemali iz računa toliko kot je bilo 635.45 € vrednih januarja 2023.
https://www.macrotrends.net/2548/euro-dollar-exchange-rate-historical-chart
Tisti ki se bojite da bi FURS podaljšal rok oprostitve kapitalskih dobičkov iz 15 na 20 let seveda lahko akumulirate kapital 20 let predno ga boste začeli trošiti. Če boste vlagali 200 € pet let dalj (20 let) bo renta ob 10% rasti znašala 1,345.50 €, trajala bo 20 let (do 85. leta starosti) in ne bo bila obdavčena:
https://www.calculator.net/interest-calculator.html?cstartingprinciple=200&cannualaddition=0&cmonthlyaddition=0&cadditionat1=beginning&cinterestrate=10&ccompound=annually&cyears=20&cmonths=0&ctaxtrate=0&cinflationrate=3&printit=0&x=Calculate#interestresults
Če pa vam je dovolj 835.45€ mesečne rente lahko namesto 200 mesečno vlagate 124.18 € pet let dalj:
https://www.calculator.net/interest-calculator.html?cstartingprinciple=124.18&cannualaddition=0&cmonthlyaddition=0&cadditionat1=beginning&cinterestrate=10&ccompound=annually&cyears=20&cmonths=0&ctaxtrate=0&cinflationrate=3&printit=0&x=Calculate#interestresults
Sedaj pa poglejmo kakšna bi bila razlika zaradi zmanjšane dohodnine pri uporabniku Modre Zavarovalnice.
Pri povprečni bruto slovenski plači 2.174,7€ in mesečnem vplačilu 200 € bi vsak mesec prihranili 33.04 €. V računalo torej vstavimo namesto 200 € samo 166.96 €. Mesečna renta bi v tem primeru bila $697.43 €
https://www.calculator.net/interest-calculator.html?cstartingprinciple=200&cannualaddition=0&cmonthlyaddition=0&cadditionat1=beginning&cinterestrate=10&ccompound=annually&cyears=15&cmonths=0&ctaxtrate=0&cinflationrate=3&printit=0&x=Calculate#interestresults
​
Po 40. letih življenja v Severni Ameriki sem trdno prepričan da je kapitalizem trenutno še najboljši sistem kar ga je človeštvo do danes imelo. Res je, poln je socialnih razlik, vendar so vsi drugi sistemi vsaj zaenkrat slabši.
Zaupajte v kapitalizem nikakor pa ne v finančno industrijo. Cilj slednje je samo eden: da se čim bolj neopazno vrine med donose podjetij in vlagatelje ter pod krinko »plemenitenja« kapitala čimveč posesa zase.
​
*2 https://finance.yahoo.com/news/warren-buffetts-golden-advice-p-171038252.html
*3 https://finance.yahoo.com/news/warren-buffett-says-dies-90-133400915.html#:~:text=%E2%80%9COne%20bequest%20provides%20that%20cash,Vanguard's%20S%26P%20500%20index%20fund.
*4 https://www.officialdata.org/us/stocks/s-p-500/1900#:~:text=Stock%20market%20returns%20between%201900,%2C%20or%209.81%25%20per%20year.
https://www.officialdata.org/us/inflation/1904?amount=100
*5
https://analyser.investingintheweb.com/view-portfolio/?title=sxr8&start_date=2010-10-31&end_date=2024-02-29&starting_amount=1000&rebalance=No%20rebalancing&contribution_amount=&contribution_freq=Month&contribution=false&funds=1034100
https://data.bls.gov/cgi-bin/cpicalc.pl?cost1=1%2C000.00&year1=201011&year2=202402
Return Rate (CAGR) Calculator (moneychimp.com)
https://www.officialdata.org/
*6
https://www.reddit.com/Slovenia/comments/18qn3xmodra_zavarovalnica_in_njeni_skladi_%C5%BEivljenskega/

⟳ apt.izzysoft.de from Thu, 11 Apr 2024 17:41:16 GMT updated on Fri, 12 Apr 2024 17:45:17 GMT contains 1111 apps.

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^{2024-04-12T17:53:33Z}

⟳ apt.izzysoft.de from Sun, 07 Apr 2024 17:48:16 GMT updated on Mon, 08 Apr 2024 17:43:21 GMT contains 1111 apps.

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Hello, i need some assistance. I have a new Radiomaster boxer with the CC2500 module. I already bind ed my E160 to it with no problem. But the K110 refuse to bind. I am in SFHSS (like with the E160), receiver 1 freq adjusted 0, I select bnd (the radio make the biping noise), plug the heli's battery, push the bind button for 1s on the heli, all the LED go blind, but nothing happens. I tried with my old radio control (Eachine E6 S-FHSS) and it bind perfectly I don't understand...

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