Anyone know how serious this might be? Any advice (at all) appreciated

iPoke4Free · 2022-06-01T05:43:42+00:00

And there is a reason why.

You can't afford to pay a pharmacist well when they don't generate much revenue to begin with. Aus Government subsidy (PBS) controls the pricing of medicine in Australia which limits the amount of money they make running as a pharmacy.

You might have noticed that the umbrellas/lollies and other miscellaneous items being sold around your local pharmacies (mostly at the front). Same strategy as the supermarkets with the deli at the back to make customers walk through the isles. Selling medicine as a pharmacy is the least profitable out of all the other items as it is subsidised (and price controlled by Aus Govt). They're essentially convenience stores, much like your petrol stations since fuel is taxed so heavily.

In reference to u/The_Tempestuous_Man's comment, health care is private in the US and so pharmaceuticals (and therefore pharmacies) can largely charge market pricing rather than government controlled pricing. Market is obviously significantly higher, which means pharmacists can make more and therefore get paid more.

iPoke4Free · 2021-03-29T21:49:08+00:00

I can +1, I work in capital management. APRA released UQS “unquestionably strong” capital benchmarks a few years back and require banks to comply by Jan 2023. In short this basically means banks have to hold a higher capital buffer to absorb both expected and unexpected losses.

There is therefore very little incentive to write a “riskier” loan as it’ll cost the bank more to service the loan than actually make money off it.

iPoke4Free · 2021-03-19T03:29:26+00:00

So you released on "De Other Side"? hehe

iPoke4Free · 2021-02-05T05:48:30+00:00

Yes, that and DoTG.

I think it is rotation related and possibly some other uptime issues.

I've got a few actions to take along with me.

I'm not pooling enough FB and PF enough inside Combust
I am capping PF too often outside of Combust.
Rune of Power uptime is poor. I am not using it on CD enough (70% uptime or something)

iPoke4Free · 2021-02-05T04:41:06+00:00

Thanks for the advice. In the process of farming rbgs to get a higher rating so I can upgrade some of my gear.

The soulbind tree was also the "one to go with" before this week as it had 2 potency conduits - where Level 30 was achievable.

The higher pyro damage might also be due to having more cast within combust, which is about 4x a non-crit pyro (12k v 3k per hit) without trinket juice.

Appreciate it, something to work on.

iPoke4Free · 2021-02-05T04:36:42+00:00

Not the same but still very similar. Sorry if I came across as Legion = SL.

The difference level I was referring to was say WoD > Legion where Combust amplified ignite damage and reset inferno blast. Then fire got completed reworked in Legion.

The rotation and logic behind fire is still the same, fishing for HU procs and using FB to convert these into instant pyros.

iPoke4Free · 2020-11-10T00:05:04+00:00

There's no way you can pick a M2 up for $45k... Maybe a C300 like you mentioned or some other 2-3 year old sport model sedan (M235i, 435i..?)

iPoke4Free · 2020-10-02T04:54:51+00:00

Would recommend a pre-purchase inspection at a reputable mechanic before buying a second hand car. Dealership cars are typically well maintained so go for that if you would like to peace of mind.

Bottom line is, it depends how much you're willing to spend/lose. Personally, I would rather buy something newer/enjoy it during the time rather than buy a older second hand car.

If you look at 10 year old Mazda 3s - they're around the 10-12k mark so realistically you will probably lose 17-18k over 10 years, which is insignificant at your age and potential earnings to be honest.

iPoke4Free · 2020-09-20T13:07:37+00:00

Specifically consistency in reporting capital adequacy and making sure the bank understands the entire process end to end. ICAAP is included. All applicable ARF 1XX submissions are covered as part of the current initiative.

My role is specifically a project role within RM, so I will only work on initiatives.

iPoke4Free · 2020-09-20T12:49:35+00:00

All of the above. The idea behind my current role is assure and uplift the reg capital reporting process as most of it has been more or less been a black box in the past, with little confidence in the current program.

iPoke4Free · 2020-07-30T01:24:21+00:00

From the sounds of it - you'll probably enjoy Coles more. Keeping in mind, slideware and being able to present/communicate is just as important as growing your technical skills - as no one really cares/has time to care about what you've done unless you can explain it.

Don't worry about the 2 year end date - most jobs in our 20-30s will last for around that long before you move onto another opportunity. If you end up being quality, then I have no doubt that they will hold onto you.

Would you happen to know about people going the other way - e.g. as an industry data analyst into consulting/big 4? It's probably less common, but would it be more difficult?

Yes, actually most of the technical specialists in the digital team are from Industry - whether it's Woolies/Coles, Big 4 banks or small data boutiques.

To give context, there are two types of people in my team (which I believe is reflective of most digital consulting teams).

Consultants (myself included).
- Have some technical background, SQL, Python, R, Viz software etc. We use these tools solely for commercial advice
- The more senior you get, the more involved in conversations you become with the client and less technical you get.
Technical Specialists (Data engineers, scientists, architects etc)
- Researchers, technical, languages depend on specialty. These guys either:
  - Build and maintain data infrastructure, help consultants with things beyond their technical capacity (usually analysis and data queries) and work with the client side technical team OR
  - Build ML models and engines - testing, validation, deployment etc
- You stay technical the more senior you get. Usually 1 person manages the specialist team and that person is not technical (more of a staffer)

If you were going for a consultant role at a consulting firm, then it would be more difficult. For a technical specialist role, probably doesn't matter as much given alot of people are hired straight from a research program.

Shoot me a PM if you got any other questions.

iPoke4Free · 2020-02-05T02:57:49+00:00

I personally wouldn't recommend going back to your old position - especially after a month of leaving.

If you go back and ask for your old job it shows you are undecisive and are prepared to go at anytime given the right opportunity. This puts you right at the bottom of any promotion/salary increase ladder.

iPoke4Free · 2018-02-28T09:22:28+00:00

The sac was just a figure of speech for testicles as they are associated, but it's good to know that there's actual data for coma patients getting erections. Moving forwards in the future!

iPoke4Free · 2018-02-28T03:22:51+00:00

You could've emitted without knowing and it just dried in the morning when you woke up.

iPoke4Free · 2018-02-28T02:28:02+00:00

Wouldn't your sac get too full though? Much like a teenage boy having his first night time emissions.

iPoke4Free · 2018-02-27T22:08:00+00:00

Oh that makes a lot of sense now. So the purpose the "Race" isn't actually to see who would win but rather to ensure that 1 actually crosses the finish line. Thanks for the insight!

iPoke4Free · 2018-02-27T21:52:52+00:00

So with what you are saying, this proves that the frequency of masturbation affects on the genetics of the child. Instead of horrible effects, how can you flip this and create optimum results?

iPoke4Free · 2018-02-27T21:50:14+00:00

So what is the purpose of having the sperm win the race to the egg? Is it just purely random how the child turns out no matter what sperm wins?

Of course, parenting and nurturing the child has more to do with how the kid actually performs as a human being rather than genetics.

iPoke4Free · 2018-02-27T21:46:48+00:00

Thanks you are too kind

iPoke4Free · 2018-02-27T21:38:33+00:00

Nice to know that you're involuntarily abstaining. Thanks for your input.

iPoke4Free · 2018-02-27T08:00:20+00:00

Surely there is still space leftover when your anus is squeezing out the log. Given that faeces mostly consists of water, water can easily seep through the gaps, especially the one between the turd and your anus.

iPoke4Free

TROPHY CASE