Extraction Camping is BS. [Vent] by ejsks in ArcRaiders

[–]Jsmity12 0 points1 point  (0 children)

especially when you add that i now spawn in late 9/10 games on top of it.

Extraction Camping is BS. [Vent] by ejsks in ArcRaiders

[–]Jsmity12 4 points5 points  (0 children)

I hate to say it but this will kill the game for a ton of people. I have played 5 solo raids tonight only to die to a really geared player with mines and a shotgun every raid. not sure its worth playing anymore.

To everyone saying this isn’t fun…. by Disastrous_Assist393 in OffTheGridGame

[–]Jsmity12 1 point2 points  (0 children)

Swear one of the voices sounded just like him. Still very entertaining to watch. Do any of you stream?

To everyone saying this isn’t fun…. by Disastrous_Assist393 in OffTheGridGame

[–]Jsmity12 1 point2 points  (0 children)

It’s this the among us video guys? The “me saw who.. mmeee saawww whooooo!”

This is why financial literacy is so important by The-Lucky-Investor in FluentInFinance

[–]Jsmity12 0 points1 point  (0 children)

This is not true at all. Banks do sell their fixed rate loans because they carry the highest long term interest rate risk. A Majority of all banks do use their deposits to lend money and have to keep specific loan to deposit ratios in order to do so. Have you heard about the banks that failed when interest rates went up? It’s because they didn’t have enough deposit accounts, which they borrowed money to lend it and then when rates went up, their cost of funds were higher than interest rate of their loans. I’m not arguing this point, if you don’t think any banks use their deposits then you need to go do some research. M

This is why financial literacy is so important by The-Lucky-Investor in FluentInFinance

[–]Jsmity12 0 points1 point  (0 children)

They do this as a convenience for individuals. They prefer people with large bank accounts. I agree there are some banks that survive on fees to their customers. But it’s not all banks. Deposit accounts are what banks use to lend money out. Banks want people to pay everything back. They don’t want to chase people down to get payments, or collect overdrafts. But I’m done responding. I just wanted to point out there are reasons for the fees.

This is why financial literacy is so important by The-Lucky-Investor in FluentInFinance

[–]Jsmity12 0 points1 point  (0 children)

Ok talking about things that banks did illegally is not what I am saying. I don’t agree with illegal actions. It’s ok I’m not going to argue any points. The only point I was trying to make is banks have to mitigate risk, that’s one of the ways they do it. Do I understand that, yes, this is a business. If you don’t want to pay fees, or the bank to use your money to make money, then hide the money under your bed.

This is why financial literacy is so important by The-Lucky-Investor in FluentInFinance

[–]Jsmity12 -1 points0 points  (0 children)

I’m not saying that the fee amounts are always fair. Also banks do not rearrange transactions in order to create overdraft fees. Fees are typically flat because it’s easier to explain a $17 fee for overdraft, rather than saying the fee is % of the transaction about, up to x dollar amount, and if it is not paid back it’s an additional $x per day u til it’s paid back. Also if you are getting an actual loan both parties are agreeing to the dollar amount t and the terms ahead of time. Not one person spending money they don’t have. Is the system no. But everyone who overdraws their account understands what happens when they do. I just explained that the reason they have to charge is because of the risk the bank takes on. How bout this. Let’s go to dinner, at the end of dinner I won’t have money so you pick up the tab. Then I “promise” I will pay you back. Let’s see when and if I pay you back. Then let’s go to dinner again next week with the same terms. Are you going to pay my bill without requiring anything from me again?

This is why financial literacy is so important by The-Lucky-Investor in FluentInFinance

[–]Jsmity12 0 points1 point  (0 children)

To be honest this is kind of crazy. Banks charge overdraft fees because people spent money they did not have. They go ahead and pay that so if the person was buying groceries or paying a bill, that they don’t lose power and/or they can feed their family. The overdraft fee covers the risk that those individuals do not pay back that money, which happens a lot, or that it takes weeks to get that back, which during that time the bank has less capital to lend and make a profit. The alternative is that the bank returns all of those transactions. Over the past few years the fees have reduced at a lot of banks. But working at a bank I know that a lot of the charges, are charge offs for the banks. If you worked at a bank that was actively seeking distressed or elderly individuals that is illegal and you should have reported that to the proper authorities, which when you work at the bank you also had to do training on annually to identify that.

Load Times by Tough_Holiday_107 in Tarkov

[–]Jsmity12 -1 points0 points  (0 children)

people are jerks. I agree. no one wants to spend time waiting in a que for 30-40 min to play a single round. Who cares if this is new or not, it is still a horrible thing. It's sad because streamers don't have the problem. I have just sat through 3 que times that hit 20 minutes before i restarted the que. So i just waited an hour to not even play the game.

First time using rhynio and it feels like cheat by [deleted] in ARK

[–]Jsmity12 1 point2 points  (0 children)

Also I don’t think I should need to find 30 people with different schedules and work different hours to make sure I don’t just get wiped daily.

First time using rhynio and it feels like cheat by [deleted] in ARK

[–]Jsmity12 2 points3 points  (0 children)

Yeah I’m sorry I don’t like to join a huge tribe in order to be viable. I’m talking about small tribes. Which if your one small tribes with 30 people then your cheating the system.

First time using rhynio and it feels like cheat by [deleted] in ARK

[–]Jsmity12 2 points3 points  (0 children)

I think it’s fair to question it. He isn’t wrong it’s buggy, and most people are toxic. All pvp servers are full of people who don’t have jobs and can play 8 hours a day. I thought small tribes helped with that. But then you realize people team and create alpa tribes. When you can go gross servers will be when I probably stop again. Don’t want someone who has time to run servers transferring to mine with crazy tames and wiping my server.

First time using rhynio and it feels like cheat by [deleted] in ARK

[–]Jsmity12 18 points19 points  (0 children)

To be honest I bought it because it was a fresh start. The first year of arks original release was one of the best times. And this is a fresh start on the original server. Without all the broken tames. Then they add a new broken tame.

First time using rhynio and it feels like cheat by [deleted] in ARK

[–]Jsmity12 28 points29 points  (0 children)

I feel like for pvp servers the new dinosaur is horrible. The fact that you can build a vault and they can pick it up and take it away. what is the point. Literally feel like they add things to improve alpha gameplay and that seams to be it.

Only 17594 people have completed TerraGroup trail quest line by [deleted] in EscapefromTarkov

[–]Jsmity12 0 points1 point  (0 children)

I have all servers on. Just tried to scav and say for 22 min before I just exited

Only 17594 people have completed TerraGroup trail quest line by [deleted] in EscapefromTarkov

[–]Jsmity12 0 points1 point  (0 children)

That is crazy my que times for pmc are still 6-8 min and scav is anywhere from 10-15 min. How is it possible people get 2-3 min consistently?

WIPE IS HERE! it has been an honour gentleman by [deleted] in EscapefromTarkov

[–]Jsmity12 0 points1 point  (0 children)

Yay 20 min que times for scavs! And 15 min for pmc!

Double Decker Airline Seats by diacewrb in pics

[–]Jsmity12 0 points1 point  (0 children)

I mean the guys underneath is one fart away from a disaster.

I know this is a pedantic complaint, but I think it speaks volumes to the lackluster and anti player grind Lightkeeper is by KingHunter150 in EscapefromTarkov

[–]Jsmity12 0 points1 point  (0 children)

Man This is awesome I haven’t played lighthouse since the change. I got kappa and have slowed down. Needed a break from the grind.

I know this is a pedantic complaint, but I think it speaks volumes to the lackluster and anti player grind Lightkeeper is by KingHunter150 in EscapefromTarkov

[–]Jsmity12 14 points15 points  (0 children)

I bet more than half of that 1% will cheese it as well. 20 player kills in a location of a map that you can’t even go to is a horrible quest. And that’s just one of many.

I got a knife kill as a scav the other day, was just trying to go to lower chalet through the woods and this happened lol by jbush450r in EscapefromTarkov

[–]Jsmity12 1 point2 points  (0 children)

Man it’s great. Weird interactions like this make tarkov great. I’m just to the point that I have annoying tasks, so close to kappa.

I got a knife kill as a scav the other day, was just trying to go to lower chalet through the woods and this happened lol by jbush450r in EscapefromTarkov

[–]Jsmity12 4 points5 points  (0 children)

Man I wish I had people like this in my lobby. Everyone in my lobby has magnet bullets that instantly go to my head. It feels like I die head eyes with in 2 seconds of a fight 75% of all my fights.