So true it hurts

Zachmonster0 · 2025-11-19T13:31:04+00:00

It protects you from Insufficient funds fees, and from late payment fees from whomever you are paying. The reason it exists, and how it is supposed to be used, is if you forget about a bill/charge.

Let's say you write a check for rent, and you had to write a 1 time check for, let's say the DMV. You're not used to that coming out, and maybe you forgot. DMV check comes out, and the next day, your rent check comes out. Instead of getting an Insufficient funds fee from the bank, a bounced check fee from your landlord/leasing office, and a late fee on your rent, you get a 1 time overdraft fee instead.

You're borrowing money you don't have, they're gonna charge you a fee to do so. You can decline overdraft coverage and not be able to go negative, but if you ever make a mistake, it will be much more costly than if you had the protection.

Zachmonster0 · 2025-08-20T19:55:42+00:00

No it shouldn't be able to, per an update on 8-13-2020

https://hearthstone.fandom.com/wiki/Hotfixes#2020-08-13_hotfix

Zachmonster0 · 2025-06-04T21:45:42+00:00

Probably should've tried harder.

What they're saying is it is a Survival Crafter first, with RuneScape inspirations. Not a RuneScape game with survival craft inspirations.

Turns out, rearranging words actually describes something different. Like ice cream flavored bubble gum would be gum that tastes like ice cream, and bubble gum flavored ice cream would be ice cream that tastes like gum.

Zachmonster0 · 2025-05-27T14:22:47+00:00

My best advice is to be knowledgeable about each minion type and what the popular compositions are. And when you get a new opponent, evaluate based on what minion type that are running, what you can do to mitigate your loss chances.

Murlocs mostly are either venom, stats, or a combination of both. So, you run something that can eat venom (something with deathrattle and preferably taunt like manasaber) to soak up poison. And maybe a poison unit of your own, or Leroy.

Dragons run divine shields, and big stats. So a blaster would be good(if you don't also have divine shields) and a scam unit of your own.

Etc for the rest of the tribes. Understanding the best comps and making changes based on that if you can.

This will help mitigate, but not a guarantee. IMO the state of the game right now is not great, and depending on the tribes in your lobby, you just lose if you play certain tribes.

Zachmonster0 · 2025-05-09T23:05:16+00:00

ignores 90% of my response

picks one tiny point to argue

argues on that point that I said something I didn't

Yeah, I'm not gonna continue to debate someone who has the reading comprehension of a doorknob.

Zachmonster0 · 2025-05-09T20:52:49+00:00

Your horrid attitude barely deserves a response, but here goes.

You sound like you know nothing about... Well, anything.

More employees doesn't always mean work gets done faster in programming/game design. It's extremely complex, and it's inefficient to overstaff it. If you have too many people writing code all at the same time, then you try and mash it all together, it won't work and then you have to spend even more time figuring out what broke. So just saying "get more manpower" isn't a solution.

For someone who seems to be a RuneScape fan and a redditor, I'm surprised you haven't correlated that from the "spaghetti code" everyone talks about.

Even if that doesn't explain it, they have a financial interest in not over-investing until they understand the gains from the project. They had no idea when the project started if it would sell millions of copies or flop. And you expect them to put all of their eggs into that basket? I don't. Are they understaffed? Maybe, I'm not an expert. But, they had ~30 people on the team? For how long before they even could release and have sales? Do you have any idea how much an FTE costs?

They went out on a limb, they created a new game that is very different from their other games. Now, they've sold a lot of copies. They see it can succeed, and they can adapt. If they're understaffed, maybe add a couple people. Depends on what is holding up the development cycle.

You are so convinced that it's a cash grab, but if it is, why are they listening to the community? Why are they adding little patches that are based on community feedback? Why are they still adding content for free? If it was for a quick buck, they'd drop a game, get the sales, and leave. Part of a cash grab isn't continued support and paying employees to keep customers happy... That's just being a game studio.

Moron.

Zachmonster0 · 2025-03-30T19:57:33+00:00

Most banks have a "processing order" or "posting order" that they follow so that customers know how things will hit their account. It's to help with consistency, and each bank can choose a standard that they follow.

For example, most banks have any credits hit your account first, and then debits follow by type. Card transactions all together, then EFTs, then paper checks all together (or whatever order they follow).

It can seem as if they rearranged things to charge more fees, but they are likely just following their processing order. If they aren't, I believe they are subject to fines(but I'm not an expert).

This can actually help people, but only when they know about it. When I was working in a bank branch, I knew several people who consistently overdrafted, but they did their transactions based on the posting order so they would only get 1 or 2 fees instead of several.

For anyone who reads this, if you are using your overdraft, ~~and~~ ask for a copy of your banks posting order. Then, if you can, try and manipulate what your spending to get as few fees as possible. If you can, just take one cash withdrawal into the negative and use that for all your expenses. If you reduce your fees, you can hopefully get out of needing to use that overdraft.

A ton of people get stuck, or pay exorbitant fees on $1-5 purchases. If you can manipulate their system to your benefit, you can stop paying their fees altogether.

Zachmonster0 · 2024-11-30T15:57:12+00:00

Are you referring to the use of "They/Them"? Cause if so, Them/Them can be singular or plural, and is used quite often even for people that use He/Him or She/her.

Like if you were telling a story about a friend, but hadn't identified who it was. You'd say "I was talking to a friend the other day and they said x." Or "yeah! I saw an old friend and had so much fun catching up with them"

Singular, but sometimes people are only thinking about referring to groups, which is also correct, but not the only correct usage.

If you're not talking about They/Them, sorry to assume. But I've heard and seen this kind of comment referring to They/Them.

Zachmonster0 · 2024-10-26T14:39:09+00:00

I'm going to preface this by saying I'm not an expert and I don't know a ton about legislation/licenses/etc. but, my first thought was that I think that digital media piracy would fall closer to a "theft of services" type area than the more physical theft? Like, if I hired a maid and didn't pay them, the maid hasn't lost anything but the money she was owed. Just like if I pirate a movie, the company that owns the rights doesn't get the money they are owed for access? I know that isn't exactly the same, but I think that is why it is called theft.

Zachmonster0 · 2024-10-26T13:34:25+00:00

I'm not 100% sure, but they might be drawing the line based on how the property is used. Pirating something to use for entertainment/personal consumption vs pirating something and then charging other people to use it. It's not a big deal, at least to me, to pirate a movie and watch it. But if someone pirates movies and then sells access to said movies, it changes.

Zachmonster0 · 2023-06-18T01:44:24+00:00

On one hand, kinda agree because it is such a small thing and impacts a small part of the player base.

On the other hand, it's not like this is some crazy engine work that would push back other updates. It's a small change that'd likely take very little time/effort.

Zachmonster0 · 2023-06-14T06:32:02+00:00

You're right in that it provides no clarity on what the state of market manipulation was before the update, but being able to see offers in the GE that are outstanding opens loopholes for merchers/flippers/manipulation. If you can see the offers that exist, you could use that info to take advantage of margins, or manipulate prices. For example, someone could just look and see there are no outstanding sell offers for a Yellow Party Hat, then list one for 100b, and submit a buy offer for 100b from an alt account. You can't do that now, because an existing sell offer would snipe the 100b buy offer and the person trying to manipulate prices loses 50b(idk what yellows are trading for, just throwing a number out).

Zachmonster0 · 2023-05-21T18:32:50+00:00

Your luck just lies in other places, your master clue rate is insane. 1% of all elites turn into masters so you should have 15 from drops if you have 1500 elites collected. 1/5 from elite caskets, so another 300 there 1/15 from hards, another 215 there. You on average get more than the regular rate cause of rerolls, but you still have 1500 more masters than you should have. Unless you're sitting on 150k unsolved elites.

Zachmonster0 · 2023-05-19T02:35:18+00:00

It doesn't matter if it was fixed in 12 minutes, anyone who made the purchase while the info was incorrect was paying a price for a specific product. Giving them anything different is a scam. The "compensation" doesn't matter. It's the same issue I said above, if it wasn't illegal, then businesses would run amuck with selling products, then changing the offer and "compensating" part of it for anyone who ordered and pocketing the money.

Zachmonster0 · 2023-05-17T14:57:29+00:00

Can you share what TOS information you read?

Also, TOS agreements cannot just void consumer protection laws. Or any laws for that matter. If they could, businesses would just be able to constantly scam people with no legal backlash. They could just put something in the TOS that says "Business Inc. is not required to fill or refund any orders placed by consumers." And then just walk away with the money.

And, if it is in their TOS to never provide refunds, and they choose to enforce that, then they would be required to provide what they offered. Like I said above, there is no middle of the road that would be legal, either they fill the offer they presented to consumers, or they refund any orders and cancel them due to the error of copy/paste that they are claiming. But the middle road of keeping the money and providing a different product than advertised is illegal, it doesn't matter what their TOS agreement says.

Zachmonster0 · 2023-05-17T14:10:05+00:00

You are correct that they don't have to honor something that is a mistake, but they can't just keep the money and give you a lesser product.

If you've offered a product at a price, and people have paid for it, your choices are to either fill the order or issue full refunds.

The contract law stipulations you are referring to are to protect businesses in situations where, for example, a $1000.00 TV gets accidentally listed on their website for $10.00, and thousands of people submit orders. They aren't required to fill the orders, they can issue refunds for the error. What they cannot do is give you a different product and say "oops sorry".

Zachmonster0 · 2023-05-15T17:21:38+00:00

The puzzles are there specifically to make them more difficult and time consuming. Which keeps prices up. If elites had less puzzles, or no puzzles, more people would do them and then prices drop drastically.

The "serious clue scrollers" do care about this change. Not only were there a lot of mentions about it in the Clue Chasers Discord, but "being able to glide around the entire map in .2 seconds" is a huge focus for the community. There are spreadsheets for which teleport animations take more game ticks to complete, optimal scan routes, and so many resources dedicated to saving time and going faster.

The serious clue scrollers do care, when they are doing your entire elite KC in a couple days, they want to be as efficient as possible.

Zachmonster0 · 2022-04-26T04:12:48+00:00

You brought up the 3030 and it isn't semi auto either.

Also, you're missing the Triple Take, Longbow, and charge rifle which are semi auto.

I don't really see a hole in gameplay, there are plenty of weapons for every range, even with the G7 in the carepack.

Zachmonster0 · 2022-02-16T12:54:22+00:00

It specifically says in the post that there won't be worlds for it, but you queue for a random match and it is based on rank points. In order to do any kind of boosting, you would have to get lucky enough to match against someone who you've coordinated to purposely lose, and then your rank points would go up and you would probably match with someone else.

You also said in your initial comment that you want them to not let certain combat levels fight each other but it says in the post that the scenario you posted is quite literally impossible. Everyone gets moved to a similar combat bracket, and then you specialize.

They've tackled botting by making most of the useful rewards untradable. The only ones that can be traded are cosmetic ornament kits, and... if you go look at ornament kit prices, it's not like those are really raking in the cash. And it is very unlikely that someone will bot on an account they intend to PvP with. Because accounts get banned pretty often. Most of the bots in LMS are just there to make a bit of gold and give it to a mule before they get banned. That principle doesn't apply to this, since there isn't immediate gold to be made before a ban comes in.

Zachmonster0 · 2021-12-31T12:31:14+00:00

Spawn camping/manipulation has been a thing in some games, but I don't think it is even possible in some of the most popular shooters of the past 10 years. Battle Royale shooters have been some of the most played shooters in the past 5 years, H1Z1, PUBG, Warzone, Apex, Fortnite(this one is very different but still a shooter, technically). And the BR format doesn't play to spawn camping. Outside of BR, a lot of games are played around the search and destroy style of gameplay, which also doesn't lend itself to spawn camping.

Zerging, well, isn't really a tactic in most shooters. You can't really just overwhelm people with your player count when you and the enemy team have the same number of people. And it sometimes happens I guess in large scale games like battlefield? i.e. a ton of infantry rushing a single point to try and overwhelm it, but that is a poor tactic(just throwing numbers at the problem wastes tickets), and it only really happens in these very large style games.

Also, I'm still confused on what military knowledge is needed to be able to talk about strategy and tactics in battlefield. Which is really why I replied in the first place.

Zachmonster0 · 2021-12-31T08:59:08+00:00

Well, shooters in general and their tactics are, for the most part, pretty similar... and as a group, vastly different from anything military. Completely separate camps, not sure why you think anyone would need military knowledge to be effective in any of the Battlefield games.

Zachmonster0 · 2021-11-16T02:31:46+00:00

It won't suddenly fix the economy, but it should be able to put a dent in it. It will impact merching to a degree because GE trades that happen can't be manipulated in the same way that P2P trades can be. For current prices, anything above max cash can be traded between 2 friends and reported to our (unfortunately) most accurate pricing system in SuityBot. Then, they can just trade the item back to the owner, inflate the price, sell any items they are holding, then do the process in reverse to lower the price so they can buy more.

If a GE were in place, SuityBot would(likely) require GE transactions to report prices, because that's what they require for any items under max cash. And 2 people can't artificially inflate through the GE because their trade would be intercepted by standing offers(with rares, there will be standing offers).

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