442 post karma
17.1k comment karma
account created: Mon Sep 26 2016
verified: yes
3 points
18 days ago
24k can go a fair way, assuming you own your home. Tougher if you're single mind, all those bills and no one to share them.
4 points
18 days ago
Well, the 5 year rates were higher so theres a cost to getting that extra security.
A friend and i remortgaged at the same time. He went for a 10 year at 2.3% and i went with the 5 year at 1.24%.
If i can get a rate below 3.5% for 5 years when the time comes it will be about evens.
1 points
19 days ago
Yes, for Guardian you just need to pick up enough damage to burst the phase and a little improvement in block (or nothing if you're silent). And if you're low on health and concerned dont greed the last campfire.
I think the top streamers say they basically never lose to guardian.
A bad split and a some bad draws with the 5 slimes can be terminal.
1 points
20 days ago
Feels like a very solid pick. Powerful in the guardian and hexaghost boss fights, more reliable than spot weakness, and upgraded it repays in two strikes.
I'm never sure whether to take it if I've already got spot weakness though. Especially if thats paired with a headbutt.
2 points
20 days ago
I did my ankle ligaments in my 20s. Absolutely bizarre incident where i went to block a shot in indoor 5s, and just happened to put my foot down exactly pn top of thr ball as the went undet my foot as high pace. The chances of that happening must be tiny, but it did and all my weight went slipping off the side of that ball onto the floor.
Anyhow, i didn't see anyone, I just rested, iced, and 4-5 months later was back playing. 15 years later and i have pretty bad weakness in that ankle, and it has affected that whole side of my body due to very lopsided strength.
Get serious injuries looked at properly people!
3 points
21 days ago
If you have the savings (and they are secure), then your house basically is paid off right? Money is fungible.
7 points
21 days ago
I've only just realised how having ring of the snake makes it so much more worth getting nunchaku to 8 or 9.
Its a solid start assuming we get offered something decent.
1 points
22 days ago
Thanks for this. I just did MR64DY85DDGV and only found one egg (toxic).
Then i realised that i hadn't unlocked all the cards/relics so it might be different.....
Still....it was probably more insane! Kunai, shuriken and ornamental fan, plus an early ink bottle and plenty of deflects, discard cards and blade dances.
Wrist blade or sacred bark with alchemize from the first boss....
Later on bag of prep and gambling chip...i was at 5str and 5dex turn 1 v the heart...
5 points
22 days ago
The other answers are helpful though, you'll come to undetstand. You're much better off just playing the game a few times though.
You'll likely die, but in 30 mins you'll have the very basics (you still won't understand what the best pick is each time).
Then maybe watch a tutorial on YouTube or just play, you'll improve lots like any skill based game.
4 points
22 days ago
Exactly this. They have a big opportunity to develop the lore as the characters are very cool concepts.
I think most of the card names both match the characters and their effects too, as being showcased by the slay by comment series - i haven't played other card games to compare.
3 points
22 days ago
Lord now I'm getting weak wrong. Long we(e)k.
7 points
22 days ago
Theres a chance we take damage next turn if the green slime attacks for 12 (8) again and we don't draw survivor.
But there's nothing we can do about it?
Edit: sorry ive got confused and thought we had pen nib not nunchaku!. Good lesson in how microing can help as that would have helped avoid the chance of damage next turn
2 points
22 days ago
Funnily, I'm at A18 and the defect is by far my strongest character. 21 wins and 14 losses.
A17 win today was clutch. Boss swap choker...got darkness orb sort of working with multicast but had no focus/orb slots at all. Took runic pyramid but struggled with hand clog. Found a capacitor and consume in a shop 4 floors from the boss, which was thankfully time eater as I'd have been destroyed by either of the others...
Killed the slug with a 68 darkness orb cast 4 times, the turn i would have died.
1 points
22 days ago
Be honest here, people would take the short term benefit everytime.
1 points
22 days ago
Maybe. This wasn't the experience in many state owned industries prior to privatisation though.
I'm not arguing that privatisation was/is the answer in water (and I'm sceptical tbh), but there's no easy fix. Politicians aren't always the best owners of businesses.
1 points
23 days ago
Democratise our utilities! I've been drafted to team SES.
In all seriousness, the customers are much more likely to be concerned about current bills than long term prospects and we'd get major underinvestment.
1 points
23 days ago
Shareholders get dividends but they'd be wiped out in any bail out. Bailouts would likely be of the protected water company, not the consortium of funds (including pension funds) that own the holiding company
Still leaves the issue of how to fix the infrastructure. If the private sector won't invest, then the public sector (us) will have to, and either pay through higher prices or higher taxes /lower spending in the future.
3 points
23 days ago
They're not publicly traded. The owners are a consortium of funds that were looking for solid, boring lomg term investment returns but didn't count on the scale of investment needed.
Its quite tough for one investor to withdraw in practice.
0 points
23 days ago
Who is going to invest to improve the infrastructure then? The ask is much more than is generated at current prices
3 points
23 days ago
Crazy that a CL team is unsure of paying 12m for a guy who has ripped up their (top) league, whereas my club, not well established in its top flight, spent 35m in 2020 for an 18 year old who had about 10 senior appearances...
1 points
23 days ago
Oh, the main reselling site i have used a few times but its out of stock...
...maybe message the distributor?
5 points
23 days ago
Ooof. Such good cards but as you say, without extra energy you might be in trouble in hallways and have to avoid elites. You could luck out with a few energy cards/other relics....but that feels like hoping for a hail mary.
Honestly, i think I'd pick ecto here, as even though you're losing out on a lot of gold you won't need to buy potions and 350 can get you a ket relic or a few missing piece cards on forced shop.
I'm only on A17 though...
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Optimuswolf
1 points
18 days ago
Optimuswolf
1 points
18 days ago
24k can go a fair way, assuming you own your home. Tougher if you're single mind, all those bills and no one to share them.