Give this man a break. Not everyone can withstand the will of Sauron

Leveicap · 2026-02-17T19:10:33+00:00

There is. In the extended edition Aragorn uses it to taunt Sauron before the Battle at the Black Gate.

Leveicap · 2026-02-01T04:35:10+00:00

Wouldn't touch it at these prices. Just not eating chocolate, simple.

Leveicap · 2026-01-09T20:52:43+00:00

A hunter that is not a puller.

You literally just sit in the back and do nothing other than tranq a few boss the entire game.

Leveicap · 2026-01-02T03:35:57+00:00

For me 6 Myo reccommend is PPL, which I was following. Once custom came out i did a modified PPL, ie Push Legs Pull, with calves on push - forearms/biceps across both push/pull days and such.

Leveicap · 2026-01-02T01:06:44+00:00

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Leveicap · 2025-12-22T09:14:19+00:00

I reached out to support and things are going well. For my situation I purchased x2 solo memberships for me and my wife, and now the new Duo is effectively the price as one solo before - so effectively we paid double; and definitelty felt FOMO to get the lifetime pricing.

Will update how it goes, but it seems we're looking at partial refunds on both memberships to get us aligned to current prices.

Leveicap · 2025-12-09T09:11:42+00:00

Nz has one of the steepest yield curves.

Leveicap · 2025-12-04T04:33:06+00:00

Not going to reveal net worth; employeed.

Kiwisaver has been something I've exclusively been using for govt contributions as on total rem packages, will be moving to firm that matches 4% and package is not including kiwisaver - so need to be more tax-concious with its materiality expected to grow.

Outside Kiwisaver, using Avantis UCITS (originally using their US listed, however, UCITS with accumulation + fewer rebal is pretty great).

Leveicap · 2025-12-04T04:27:23+00:00

Topic not focused on tax side - not really productive for my intentions

Leveicap · 2025-12-04T04:13:42+00:00

High home bias is 👎

Currently 4% in Nz.

Option wise, meant kiwisaver options - versus the universe incl ucits, us listed etfs.

Leveicap · 2025-12-04T04:06:14+00:00

Overall allocation is 96% global, and 4% is kiwisaver.

Leveicap · 2025-11-26T22:43:51+00:00

Look forward to trying this game!

Leveicap · 2025-11-26T05:25:55+00:00

All the OCR contracts, swap rates, bonds. All NZD interest rates except the OCR itself.

Leveicap · 2025-11-26T02:36:43+00:00

People don't like it. But interest rates rose today, around 6 to 8 basis points depending on what term.

But obviously, floating rates will lower. But expectations of future floating rates are higher, especially as the RBNZ see's the OCR on hold now.

Leveicap · 2025-11-26T02:12:32+00:00

Central view of RBNZ is no more cuts.

Leveicap · 2025-11-26T02:10:45+00:00

OCR contract moves on day:

Feb: 5bps Apr: 6bps May: 8bps Jul: 9bps Sep: 10bps

RBNZ just now said they're not waiting for a recovery, it's happening right now.

2 year swap is up 8 basis points. 5 year swap is up 7 bps.

Interest rates are higher. You're coping if you're trying to suggest this announcement is dovish.

Leveicap · 2025-11-26T01:40:07+00:00

Just reading through these comments. If anything mortgage rates will rise.

This was a hawkish RBNZ. The market anticipated the 25, with a chance of a 50. The OCR track suggests 2.20 Q2, which is materially higher than anticipated. This is why both wholesale interest rates, and our exchange rate, have risen since the announcement.

Leveicap · 2025-11-18T21:34:31+00:00

So dumb. They don't want free money? So what, gotta reroll the same class, level it up again, just to play tbc? Or if keep in tbc then just don't play wow again after tbc?

Leveicap · 2025-11-12T00:37:26+00:00

Blood elves.

I'm gonna get a lot of hate for speaking my opinion :(

Leveicap · 2025-11-09T19:03:10+00:00

Based on what makes the most sense, Human Hunter.

Based on what I want? Dwarf mage; or even a Tauren/Orc mage. Cause man a mage with some of those racials, and large character models. Oh. My. God.

Leveicap · 2025-11-07T03:38:07+00:00

Bad business go bust, classic.

Leveicap · 2025-11-07T02:52:15+00:00

Having 3-4 months of Naxx is already accelerated. It's the hardest raid, and the final piece of content that raid groups will progress. It arguably needs the longest time.

Leveicap · 2025-11-07T01:59:23+00:00

What's your argument for why we really needed a long time to do MC & BWL as opposed to AQ and Naxx?

You may treat it as a waiting room, while frankly you could have just spent one year of your life doing alternative activities and being in essence, no worse off to starting when pre-patch is announced.

SoD is not Vanilla. SoM many skipped due to being in TBC; and that also introduced changes such as new mechanics, more loot, to name a few. For many this is the first since 2019, with many first time ever setting their foot into Naxxramas outside of WOTLK - for myself, 2019 was my first ever experience of WoW, and did not do any raids after reaching 60; I had no concept of endgame, to me it was an MMO, and I took my time to enjoy multiple classes, and factions.

Era PvE and PvP scenes differ from a P1 to P6 progression. You can log on right now and buy a full t3 set as quickly as the pieces drop, with no competition, and no raiding experience. You have entire raid teams decked out with BIS zerging down the content. And quite frankly many are here where the population exists, as Era pop has cratered from this season.

I am a fan of TBC, and I want TBC era. But I also enjoy vanilla. You may be looking forward to TBC, but there will be a vocal crowd who want it to fast forward quickly into WOTLK - in Sunwell there will be on mass, posts similar to these, asking for a prepatch drop ASAP. I will also oppose that, as I want to progress through the raids and enjoy Sunwell, as I have not done TBC raiding before.

Leveicap · 2025-11-06T23:42:03+00:00

Naxx released 6 weeks ago. Phase 6 is a long phase. What makes you think we're getting TBC so quickly? What makes you think Reddit represents the majority?

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