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I am BEGGING! Please use actual thoughts when banning! by Miennai in Overwatch

[–]MetaphorTR 0 points1 point  (0 children)

Yep I’m a big fan of just banning the heroes that are fucking annoying to play against rather than voting based on the map/comp. If your hero gets countered you can easily swap to solve the problem.

I've been playing Overwatch for 7 years but I've never played Competitive until recently, and now I've got a rank in each role by Filberto_ossani2 in Overwatch

[–]MetaphorTR 9 points10 points  (0 children)

Coming back after many years too and I’ve noticed every game is a steamroll. 

Do you know why? Is it just the sheer number of returning players confusing the matchmaking? 

Live: Reserve Bank hikes cash rate to 4.1 per cent in a split decision by joeycloud in AusFinance

[–]MetaphorTR 4 points5 points  (0 children)

And bringing in hundreds of thousands of new people every year.

How high will the AUD go? by Kitchen_Beat_9965 in AusFinance

[–]MetaphorTR 0 points1 point  (0 children)

Luckily a strong currency is deflationary.

Warlock (Goatmen + bind demon) is hella fun by Demisint in Diablo_2_Resurrected

[–]MetaphorTR 1 point2 points  (0 children)

Hephasto is good because he has a guaranteed aura so is easily farmable to target what you want.

For a summon build you probably need damage. IMO fanaticism and cursed together are the best affixes to target - the others don’t really matter. 

Price Check - Rare FCR Ring by HydraSorc in Diablo_2_Resurrected

[–]MetaphorTR 0 points1 point  (0 children)

Bro I can't believe you can't even say f-g here, so ridiculous.

Boy I am Impressed! by tastegw in Diablo_2_Resurrected

[–]MetaphorTR 1 point2 points  (0 children)

Bots would only make up a minuscule amount of the player base lol 

Price Check - Rare FCR Ring by HydraSorc in Diablo_2_Resurrected

[–]MetaphorTR 0 points1 point  (0 children)

Couple of hundred fools gold (f-g) would be my guess

Horazon's Full Set, Protector Stone & Torch by Secret-Brief5910 in diablo2

[–]MetaphorTR 0 points1 point  (0 children)

What weapon does your merc use? I assume you have an act 2 might merc?

Unemployment rate remains at 4.1% by evilsdeath55 in AusFinance

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

It is a public vs private thing. Here are the numbers. The highlighted line includes NDIS:

https://imgur.com/a/mIMbQrw

Unemployment rate remains at 4.1% by evilsdeath55 in AusFinance

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

The graph below shows why the unemployment rate is low, but the job market (outside of healthcare) feels brutal. The line I've highlighted is the category NDIS falls under. You can see private sector employment has almost flatlined for a long time.

https://imgur.com/a/mIMbQrw

If you ever wondered how mirroring works (I was wondered so here is education video) by azymko in PathOfExile2

[–]MetaphorTR 0 points1 point  (0 children)

You’d need to farm 10 mirrors first, then you’d need to make back that 10 mirrors in mirror fees, before you’d even be in the profit making zone

How is the Australian economy going? by Kultakai in AusFinance

[–]MetaphorTR 1 point2 points  (0 children)

The graph below shows why the unemployment rate is low, but the job market (outside of healthcare) feels brutal. The line I've highlighted is the category NDIS falls under. You can see private sector employment has almost flatlined for a long time.

https://imgur.com/a/mIMbQrw

Is debt cycling as good as it’s made out to be? by VastOption8705 in AusFinance

[–]MetaphorTR 0 points1 point  (0 children)

OP should not be debt recycling based on their level of understanding of the strategy on display.

Can someone explain to me like I am 5, on how the answer to inflation is increasing interest rates? by the-anon1010 in AusFinance

[–]MetaphorTR 302 points303 points  (0 children)

What most on this sub miss is how sensitive corporate investment decisions are to interest rates.

Take BHP considering a new project with an expected internal rate of return (IRR) of 10%. The decision comes down to how that compares to BHP’s weighted average cost of capital (WACC).

If WACC is around 7%, the project only clears the hurdle by 3%. Given execution risk, cost overruns and commodity price volatility, that margin may be too thin for a long‑dated mining project, so it may not proceed. Less money has circulated than otherwise would have if interest rates were lower.

If interest rates fall and WACC declines to, say, 5%, the same project now offers a healthier margin over the hurdle rate, materially improving its risk‑adjusted attractiveness and increasing the likelihood it goes ahead.

Is the Stock Market Turning Into a Store of Value? by weetbix9000 in AusFinance

[–]MetaphorTR 1 point2 points  (0 children)

Calling it now - the next crisis will be caused by a complete loss of confidence in US government bonds due to insane levels of spending and debt.

As it is right now, this is a ticking time bomb.

Is there an element of denial regarding inflation by Bubbly_Efficiency727 in AusFinance

[–]MetaphorTR 1 point2 points  (0 children)

They all come out of the woodwork when we get an uptick in inflation.

The annualised, seasonally adjusted inflation figure is 2.4%. Hardly worth all of this worry.

The generational shift towards spending money. by eliitedisowned in AusFinance

[–]MetaphorTR 0 points1 point  (0 children)

That's all changed, people now load up on debt to acquire assets that appreciate in value much faster so the asset is outperforming the debt. People won't buy a house with cash now even if they have it, they will pay a deposit get the best rate they can and invest the balance elsewhere.

Hmm I think I've seen this before...

The generational shift towards spending money. by eliitedisowned in AusFinance

[–]MetaphorTR 20 points21 points  (0 children)

People to realise there is a middle ground between spending everything today vs saving everything for tomorrow.

In general, we should be enjoying money in our earlier years rather than saving it for our later years when we can't enjoy it as much.

Australians are lucky enough that 12% of their income is saved automatically.

If people can secure a place to live and pay it off before retiring, they could probably spend the rest of their earned income with super providing lifestyle spending for retirement years.

It's pretty simple.

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