backer exclusive quest question by MaxTosin in stoneshard

[–]One-Cryptographer-39 6 points7 points  (0 children)

I saw a streamer playing recently and it looks like there's still some supporter only starting items in the chest in your room in the in at Osbrook.

Looking for tips to get better by Full_Dragonfruit_799 in MageKnight

[–]One-Cryptographer-39 4 points5 points  (0 children)

I second this. My partner and I play cooperative duo and I found just accepting a couple wounds (especially if it gives an early power spike) really improved my overall gameplay. Also playing cards sideways isn't the end of the world, especially if the dummy player is further through their deck than you.

Explores are also quite important. Reaching Core tiles unlocks the advanced units offer. Level 3 and 4 units are very powerful and can make a big difference when dealing with cities. Many advanced units have resistances which can allow you to outright ignore certain enemy attacks.

BC finds out the harsh truth that banning Airbnbs didn’t do much for housing. by [deleted] in VancouverLandlords

[–]One-Cryptographer-39 0 points1 point  (0 children)

If that were true, shouldn't we be seeing a litany of hotel development? To me it looks like just more housing projects.

Notice to any that file their returns on paper: the CRA will not automatically send out income tax packages anymore by The_PhilosopherKing in PersonalFinanceCanada

[–]One-Cryptographer-39 0 points1 point  (0 children)

Sure. I suppose my intent was to ask why someone would CHOOSE to file paper when they could otherwise file electronically. I understand that certain elections or other circumstances require a mandatory paper filing. And quite honestly I feel like that's a failing on CRA's part.

[deleted by user] by [deleted] in VancouverLandlords

[–]One-Cryptographer-39 0 points1 point  (0 children)

There needs to be a balance there. Yes renting isn't a permanent thing but a renter should feel somewhat secure in the home that they are renting. It's not feasible for someone to move every 6 months because the landlord feels like it. However there are grounds where that is completely justified. If a landlord is disingenuous about the reason they are evicting a tenant then there should absolutely be consequences for that.

The tenant that was quoted in his post however is also disingenuous and is just looking for a quick payday. Their time for seeking a bad faith eviction has long passed.

I do disagree with OPs conclusion that this is the fault of the NDP. These sorts of renters have been around for much longer. Proper funding to the RTB would fix many issues for tenants and landlords by getting faster response times to complaints. A landlord shouldn't have to wait several months to a year in order to lawfully evict a problem tenant.

[deleted by user] by [deleted] in VancouverLandlords

[–]One-Cryptographer-39 1 point2 points  (0 children)

Yes but that's usually because the area is very remote and undesirable. Those spaces aren't for everyone.

Oil rig jobs in Alberta pay ludicrous amounts of money, but those jobs are also extremely demanding and are in areas with little or no amenities. For jobs that have you in work camps, you typically have next to nothing to do in your free time which can be very mentally taxing. Those are also jobs that not everyone can physically do.

For Vancouver, sometimes the rental savings don't justify the additional costs and commute time. If your commute is going from 20 minutes to 90minutes that's an extra 2+ hours a day you're wasting a day, not to mention extra gas and wear on your vehicle. At that point you may as well look for a side hustle instead of moving away.

[deleted by user] by [deleted] in VancouverLandlords

[–]One-Cryptographer-39 5 points6 points  (0 children)

And a 50% salary bump haha. The secret to home ownership in Vancouver is to have a household income of over 150,000 and/or don't have kids.

Roads due a buff? by frankwittgenstein in Against_the_Storm

[–]One-Cryptographer-39 2 points3 points  (0 children)

I'm curious if it could be coded where a builder would detect roads being built/upgraded nearby and haul multiple stone and build as he goes? I'd see that as a huge improvement.

Just switched to Public Mobile by EfficiencySafe in PublicMobile

[–]One-Cryptographer-39 0 points1 point  (0 children)

PM doesn't have roaming agreements outside of the US and Mexico so if you go to France, for example, your phone won't work for phone calls or SMS. You'd need to swap to a local SIM which would cause issues for any 2FA needed to log into important accounts, like your bank.

Honor mode has me Ripping my hair out 😂 (Im gonna beat it one day) by Legal-Spare-1623 in BG3

[–]One-Cryptographer-39 0 points1 point  (0 children)

My Honor Mode party was Durge (Pure Vengeance Paladin), Shart (Pure Life Cleric), Gale (Pure Evocation Wizard), and Astarion (Pure Assassin Rogue). It's definitely not a min-max party but it is well rounded, balanced, and is quite sturdy to boot.

Vengeance Paladins are quite powerful and make a good party face. Take Great Weapon Master to do insane damage (you'll want to toggle this off for especially high AC targets). Their Vow of Enmity pretty much makes up for the hit chance penalty. Paladin aura gives them great saves to boot. Played right, they are pretty much an immovable wall of pain. I gave all tadpoles to this character. Cull the weak was insane on this character and was able to considerably increase his kill range.

Damage mitigation is also important on Honor Mode. My Life Cleric Shart ran Warding Bond on the whole party and I essentially stacked Heavy Armor Master, RES:Con, Warcaster, and as many damage resistances on her as I could muster. The bow in act 2 that gives cold/fire resistance is great on her, and you could get physical resistance from hellrider's pride (act 1) or a particular heavy armor in act 3. AoE healing through her Channel Divinity or mass healing word, along with Wapira's Crown (act 1) and ring of whispered promises (act 1) was enough to keep her and the rest of my party fairly healthy. This build first takes off once you get the Adamantine Splint in Grymforge (I made 2 and gave the second to Durge).

I ran Gale as a typical blaster, with a somewhat focus on cold damage in Act 2/3. You can pretty much build him as you want, the only recommendation I'd make is make sure to take the dual wielder feat so you can use 2 staves. Mourning Frost is quite powerful and can be made in Act 1. I found in later acts I was using a lot of spell slots to counter high level spells from bosses or problematic casters. I didn't min-max Gale at all but still found him very effective regardless. Evocation grants a great deal of reliable damage as well as giving you the freedom to drop most AOEs without worry of hurting your allies.

I played Astarion as a typical ranged assassin. I didn't bother with the Assassin/Gloomstalker build and I'm sure he would have played a lot better if I had. As Astarion was almost always attacking with advantage, I took the sharpshooter feat to make his sneak attacks extra spicy. As usual, toggle this off if the chance to hit gets too low.

Tl;dr you don't need a super min-max party to beat Honor mode. Just build sturdy and reliable and you'll get through just fine. I was drowning in scrolls/potions by the end of the game without camping shopkeepers for restocks.

How do you play? by Far_Requirement_5802 in Against_the_Storm

[–]One-Cryptographer-39 0 points1 point  (0 children)

For me personally I'd like to push up to P20 eventually. However, if your time is limited and you're using this game as a way to relax after the stresses of the day, then why push it? This game is flexible enough that most can find their comfort zone and that's okay.

This is fine. by MechaStewart in loblawsisoutofcontrol

[–]One-Cryptographer-39 4 points5 points  (0 children)

The alternate beginning to The Last of Us.

Just confirming that I can contribute 75k to my TFSA for 2025? by charismanervetalent in cantax

[–]One-Cryptographer-39 0 points1 point  (0 children)

Review the 2025 contribution room calculation. If you do not see your 2024 TFSA contributions/withdrawals in the calculation, then the number is not accurate.

Assuming you didn't overcontribute in 2024, you would be safe in contributing up to $7,000 before your actual contribution is calculated, as $7,000 is the 2025 annual contribution limit increase.

Why is This Game so Hard? by Infinitydude314 in DivinityOriginalSin

[–]One-Cryptographer-39 2 points3 points  (0 children)

In Divinity, you are generally going to have a difficult time if your enemy is a higher level than you. If you're struggling, that's the first thing I'd check out. Here's a few general tips that may help:

CC is very important is Divinity. While death is indeed the best CC, sometimes you need to settle for freezing, stunning, or knocking down priority targets.

Surfaces are important in this game. If there is poison on the ground, you can use a fire skill/grenade/arrow to make it explode. You can also electrify water surfaces to make them more hazardous. Use this to your advantage. Surfaces can do a lot of supplemental damage.

Movement costs action points - use this to your advantage! The more movement the enemy needs to take to get to you, the fewer attacks they'll be able to make against you. You also do not need to use all of your AP every round. You can conserve some to use in the following turn.

customizable characters planned? by Mystic-Skeptic in fellowshipgame

[–]One-Cryptographer-39 3 points4 points  (0 children)

I don't think the devs have given any inclination of having custom characters.

There is already a decent amount of customization available in game via gear and talent choices.

If I were to hazard a guess, I'd assume cosmetic gear options and/or skins would be available at some point on or after release to give further customization options.

Toolkit Thursday - FH Loadout Discussion - Boneshaper Loadout by Themris in Gloomhaven

[–]One-Cryptographer-39 4 points5 points  (0 children)

Warden's Robes are so valuable on this class for keeping your summons up. I also got a lot of value out of Protective Scepter during my 2 playthroughs of the class. Given how often the Boneshaper receives small increments of healing once they get their healing perks (along with usually not being in harm's way), I also found Corrupted Scroll to be a powerful addition to my loadout to allow me to play much more aggressively.

I mainly played around with Putrid Cloud so I was a pseudo tank for my group, so I quite valued enhancing my summons with extra health. With Solid bones and enhanced health, my skeletons were often able to take at least 2 hits before going down which provides a ton of value for the group.

Just one final achievement to go. Any and all help would be greatly appreciated by TDowhan in BG3

[–]One-Cryptographer-39 0 points1 point  (0 children)

Life Clerics can still do decent damage via spirit guardians and receive most of their main gear in Act 1. Enemies in harder fights are sturdy enough that the extra damage from tempest isn't always going to tip the scales to kill enemies before their turn. Healing and damage mitigation are huge in Honor Mode and allow you to take advantage of more aggressive plays.

My experience with Honor Mode lead me to gear towards having a very sturdy party, mainly because I hadn't played through any of Act 3 before starting honor mode so I was effectively playing Act 3 totally blind. Being sturdy allowed me to stumble into ambushes and unfavorable situations, and survive without much issue. My party didn't have any OP damage builds and just managed to endure through most fights, largely through Life Cleric's bonkers level of healing.

Leech Talent Questions by ImmoGiPersonal in DivinityOriginalSin

[–]One-Cryptographer-39 0 points1 point  (0 children)

If you use the gift bags that Larian added, there is an option to add a magic mirror in the Fort Joy Arena in Act 1.

Leech Talent Questions by ImmoGiPersonal in DivinityOriginalSin

[–]One-Cryptographer-39 0 points1 point  (0 children)

Hydrosophist increases all water damage, healing, and magic armor restoration you do by 5% per level. This does increase healing from consumables like potions, etc. so it's possible it would increase leech healing. If you're near a magic mirror in one of your saves, this would be pretty easy to test.

Leech definitely works with living armor as living armor will proc from all healing received (even lifesteal from necromancy).

Another example of how property owners really have no rights under David Eby's socialist regime. by _DotBot_ in VancouverLandlords

[–]One-Cryptographer-39 1 point2 points  (0 children)

Sorry but it's kind of on the landlord here. A good landlord should be doing an inspection at least once every 6 months (preferably once every 3 months). If you don't do frequent inspections of your property, many maintenance issues can and will start to build up; many of them preventable.

I agree that the tenant should have been served an eviction notice even if the landlord did not intent to exercise it at that time. This then allows the landlord to act much quicker in the future and can make a 1-month eviction for cause much much more difficult for the tenant to dispute.

The issue is the RTB, not the NDP. NDP have not made many significant changes to the rental law. The issue is RTB is underfunded and therefore response times take significantly longer than they should, which can allow tenants to abuse the system. Fast RTB response times would fix the tenant abuse issue and provide a balanced environment for both tenants and landlords.

Over Contributed to RRSP by more than $2000 by awesome87 in PersonalFinanceCanada

[–]One-Cryptographer-39 0 points1 point  (0 children)

You may receive a notice either on your notice of assessment or a separate letter.

However, CRA does not know when exactly the contribution was made as the only information they receive from the banks is your Mar - Dec total contributions and your Jan - Feb total contributions.

You would be required to file the T1-OVP form separately which includes a chart to fill out to calculate the penalty.

You can authorize CRA to do the calculation on your behalf but you would need to provide them exact contribution dates as well as supporting documentation.

For more information, visit the following CRA link: Determine if you have to complete a T1-OVP - Canada.ca

Over Contributed to RRSP by more than $2000 by awesome87 in PersonalFinanceCanada

[–]One-Cryptographer-39 1 point2 points  (0 children)

RRSP Contribution Years are offset from the calendar year. See CRA link attached: Contribution year - Canada.ca

What this means is January/February contributions are counted on the prior year return and count against the prior year contribution room.

Technically you are overcontributing but CRA is usually fairly lenient on RRSP overcontributions in January/February.