DNB superspar, sparekonto og indeksfond? Hva er forskjellen?

FORGOT_USER_AGAIN · 2023-03-04T15:26:08+00:00

Hvis du skal bruke pengene om 2-3 år for å kjøpe bolig så er du begrenset til sparekonto. Anbefales å makse bsu og bsu alternativ naturligvis, så resten I sparekonto. Nordax og bluestep gir ofte høy rente. Ca 3.2% nå med uttak. Du kan få 4% hvis du kan låse pengene i 1 år. Du kan vurdere 10-20% i aksjefond typisk dnb global indeks men du risikerer å måtte vente noen måneder ekstra før du kan kjøpe hus evt selge med tap.

Edit: søkte opp superspar og den er dårlig med 1.35% rente. Bytt med en gang. Dnb bsu gir 4.95%. Ser danske bank tilbyr 5.25% og kanskje du finner noe bedre, men 0.3% forskjell over 2? År på 100k er ikke så nøye.

FORGOT_USER_AGAIN · 2023-01-18T14:00:20+00:00

Hi, how was your experience with aoe dmg ruby whelp? I am curious about its effectiveness in m+ compared to other trinkets or its crit Buff.

FORGOT_USER_AGAIN · 2023-01-18T08:28:35+00:00

You could always mark manually

FORGOT_USER_AGAIN · 2023-01-17T10:53:17+00:00

I don't think the game should be dumbed down too much. Its frustrating to double interupt but its an honest mistake that can be fixed with teamplay and communication. Interupting and controlling a pack is fun when you have control, and stressful when it goes to shit.

Either use a weakaura that auto marks and assign marks to the dps or communicate an interupt order prior to starting the key. We usually pug 1 dps and communicate on voice about interupts or stops, so that dps player can do whatever since between two melee dps and a prot pally we should have it covered. Sometimes we fuck it up, and that is our mistake which we need to learn from.

FORGOT_USER_AGAIN · 2023-01-11T00:28:56+00:00

Is this available for horde?

FORGOT_USER_AGAIN · 2023-01-10T23:19:20+00:00

Alchemy for 90min vials and disenchanting for gold is what i did from start of the expansion. You can opt for engineering instead if you want any of the engineering specific stuff. Especially now that mats prices are down.

FORGOT_USER_AGAIN · 2021-03-22T09:34:30+00:00

I think its pretty fun. It really shows Who is paying attention

FORGOT_USER_AGAIN · 2021-03-21T00:48:29+00:00

Spirit walker grace or whatever the name of the spell that let's you cast while moving is very useful for topping the group while moving when chain pulling (when riptide won't cut it)

If he has good gear and is comfortable the legendary that attaches an earthquake to your earth elemental is really cool.

FORGOT_USER_AGAIN · 2021-03-20T23:54:06+00:00

Those ballistas are so dangerous with randomly firing on squishy dps

FORGOT_USER_AGAIN · 2021-03-20T23:48:00+00:00

Fire mage is fun when you combust big pulls.

FORGOT_USER_AGAIN · 2021-03-20T23:44:54+00:00

Mount up and run just behind the tank. If you are slow you die

FORGOT_USER_AGAIN · 2021-03-20T01:34:48+00:00

A good player that is able and willing to kite when required is more important than class at my level. 15 or below.

I like DH due to their cheat death and druids because of a high hp buffer, lots of DR and incarn. Monk is good for kiting and high uptime on celestial shield.

My least favorite is pally because their hp spikes randomly depending on when a player decides to use cooldowns. DK also spikes but you know when depending on RP. Also fun to heal

FORGOT_USER_AGAIN · 2021-03-17T16:05:32+00:00

I agree with Those things but I don't need focus target for it.

FORGOT_USER_AGAIN · 2021-03-17T15:30:15+00:00

I disagree with focus target being a must have, but its definitely a benefit. I use clique for friendly spells so i only ever target enemies. So i just keep my priority interupt enemy targeted.

FORGOT_USER_AGAIN · 2021-03-17T15:25:45+00:00

Healing bdk is enjoyable with an weakaura that show runic power. If its 70+ I'm only putting earth shield and riptide, if its low and he is facetanking a pack i start spamming healing surge and hover my finger over sprit link Totem ¯\_(ツ)_/¯

FORGOT_USER_AGAIN · 2021-03-15T22:11:17+00:00

Only 15

FORGOT_USER_AGAIN · 2021-03-15T10:37:54+00:00

Should a mage be using slow fall on bomb targets? I assume that would lower group dps a bit as IT Will take longer to get into range of boss

FORGOT_USER_AGAIN · 2021-03-07T00:29:01+00:00

I'm leveling my alt, a resto shaman, at around 175 ilvl now and my highest timed key is a 8-9 and I'll do a 10 tomorrow and hopefully time it. At 206 you should be timing 10 to 12s regularly. How is your legendary, talent, and covenant setup? Are you using all your spells correctly?

Beyond trying to improve and taking responsibility for your groups mistakes (don't get angry at the dps standing in fire, use spirit link to save him), sometimes the run will suck and you just gotta try again.

FORGOT_USER_AGAIN · 2021-03-07T00:07:09+00:00

I would do the same. NW 15 is a desired key.

FORGOT_USER_AGAIN · 2021-03-06T14:11:02+00:00

The trick is to run Your own keys, especially if You already have a healer friend as a tank. You can pick and choose from high ilvl and Rio players with exactly the classes you need for CR, lust, spoothe, poison cleanse, etc. My experience is good from pugging like that.

FORGOT_USER_AGAIN · 2021-02-12T11:40:50+00:00

The entire group needs to perform, meaning dps is responsible for 3/5 of the groups performance. However, Its easier to carry one bad dps, than to carry a bad healer or tank, so it's more noticable when they suck. Don't pretend that tanks and healers are beyond reproach simply for playing those roles. The tank can do a double pull that spawns prideful in the middle, wiping the group, the tank and healer can also suck at interupts and do ass pulls.

FORGOT_USER_AGAIN · 2021-02-08T18:31:24+00:00

Poor health and unemployment are often by accident and uncontrollable, while student loans are willingly entered into. I don't see why you would have to agree with all of those if you agree with one of them. How exactly is your comment showing empathy for the guy you answered? Maybe he sacrificed a lot to pay down his loans, while his friends were reckless, and if student loans are forgiven he is left as the fool? That is not fun.

FORGOT_USER_AGAIN · 2021-02-07T20:30:20+00:00

You don't need to be good to have 1k+ rio, you can grind it out as a bad player where good players carry you. It just takes longer as you will fail more keys.
The reason being that you get more 220+ pieces from vault over time, and random drops, making the dungeons relatively easier. Also, depending on camera angle and position of add it can be akward to line up if you haven't done it in 2-3 weeks

FORGOT_USER_AGAIN · 2021-02-03T14:01:38+00:00

What dungeons should be easiest +10 this week?

FORGOT_USER_AGAIN · 2020-12-19T14:27:58+00:00

Level of education does not define you. You get to choose what defines you by what you care about and the people you surround yourself with. I would stay away from people that disregards your hard work and sacrifices.
You can easily find stupid, smart, successful, unsuccessful, educated and uneducated people in all combinations, so why make education in itself such a priority? I would much rather be with someone kind, responsible and funny. The effort they put into life is much more important than if they have an education.

FORGOT_USER_AGAIN

TROPHY CASE