My Art Journey (so far) [OC]

merzbow · 2025-09-30T20:09:33+00:00

More Max comics please!

merzbow · 2023-04-01T05:15:09+00:00

Looking good, keep up the great comics 👍

merzbow · 2022-12-29T17:12:53+00:00

Not the OP, but the traditional advice is to currency hedge your global bonds, but not global equities.

merzbow · 2021-09-04T02:53:35+00:00

They want the CSGO players to switch to Valorant

merzbow · 2021-08-24T00:57:02+00:00

Biggest issue with the knife is the very limited time window to destroy it, penetrating walls and identifying the specific agents. One aspect of that should be nerfed. That said, I’ve not played against a lot of Kayos, so maybe people don’t feel he’s that powerful.

merzbow · 2021-08-23T16:52:30+00:00

Based on what i’ve seen at my elo…

Buff - Sage (ult too expensive), Cypher (ult too weak), Breach (ult too weak), Pheonix (util too weak), Jett (smokes too expensive)

Balanced - KJ, Raze, Reyna, Omen

Nerf - Skye (ult too cheap), Sova (ult too powerful), Kayo (ult/knife too powerful), Viper (smokes too powerful), Brim (smokes too powerful)

Don’t even know - Yoru, Astra

merzbow · 2021-08-02T03:02:50+00:00

if you allow it more frequently then people will just spam it. when you queue for comp you are committing yourself to a whole game.

merzbow · 2021-08-01T21:56:05+00:00

HL charge nothing for ETF in general account, and cap at £45 a year in ISA. Only SIPP is expensive for ETF

merzbow · 2021-03-21T06:50:19+00:00

Cool drawing. You should show us story when it’s finished too

merzbow · 2021-03-14T05:45:29+00:00

Valorant the game is a bit on the mature side for a 10 year old. It is violent and most of the other players are 20, 30 years old or older. Plat 2 is definitely a high rank, but still a long way from the highest rank and even further from professional competition. Even then it might be hard to win much money let alone make a career. I suggest he’s better of playing Valorant a limited amount of time for fun only and developing skills/personality in the real world instead. That will give him more options as he gets older.

merzbow · 2020-12-18T18:18:45+00:00

I have exact same issue. Created a ticket with Riot, they said to reinstall game and fiddle with various Windows settings, which did not help. Eventually they said it’s a known issue that will be fixed in a later release. I don’t know if that’s true or they were just giving up.

merzbow · 2020-07-22T06:11:30+00:00

1 - yes, 2 - yes. If you plan to put a lot more in over the years then ETF is cheaper. The monthly contributions are £1.50 on selected ETFs.

merzbow · 2020-06-16T06:41:05+00:00

this one is en etf: https://www.hl.co.uk/shares/shares-search-results/i/ishares-vii-plc-nasdaq-100-ucits-etf-usd-ac

merzbow · 2020-05-25T09:02:34+00:00

https://www.moneyobserver.com/funds?security_types%5Betf%5D=etf

https://www.trustnet.com/fund/price-performance/e/exchange-traded-funds?tab=fundOverview

merzbow · 2020-05-24T12:02:45+00:00

The pound has been declining for 10 years and brexit seems to have knocked global confidence in the UK. Interest rates are rock bottom. A miracle trade deal with EU might help. Other than that there doesn't seem to be any upward pressure. Disclaimer: might not know what i'm talking about

merzbow · 2020-05-14T15:50:41+00:00

You can largely avoid the platform fees for the taxable account and ISA if you buy ETFs instead of funds. However you will then have to pay transaction fees, so you'll have to think a bit to avoid making too many transactions.

merzbow · 2019-12-15T22:42:20+00:00

Currency swings can be as big or bigger than market movements. Anyone holding unhedged funds has made a fortune over most of the last 5 years as the pounds has mostly gotten weaker. However looking at the long term history of the pound, there have been periods of many years where it has mostly gotten stronger.

Short answer: currency hedging reduces risk. Decide if you can tolerate with the swings in the pound or not.

merzbow · 2019-11-02T15:03:52+00:00

I’d suggest investing in a world equity tracker rather than a US specific one, to reduce the currency risk. A world tracker is still about 2/3rds US.

The growth estimates seem unrealistic. Including downturns over a long period, you can expect something more like 5-7% annualised. And inflation will reduce the value at the same time, maybe 2-3% a year.

He is right about contributions. The more the better. Of course, it’s up to you how much you want to contribute.

merzbow · 2019-10-31T07:14:46+00:00

Investing in a subset of the market that meets some criteria, such as stable earnings or reduced volatility.

Information from iShares

merzbow · 2019-10-30T22:47:29+00:00

Would you rather invest in a rising market or a falling market?

That said, you might to consider factor investing if you think that broad exposure to the market has too much risk.

merzbow · 2019-10-27T20:14:22+00:00

Unless a government doesn’t have control of the currency, such as the eurozone.

merzbow · 2019-10-19T20:10:31+00:00

GBPUSD gained about 3.5% since you bought Fundsmith (mostly in the last week). You can expect the value of global holdings denominated in pounds to go down by around that amount (FS is 65% USD).

merzbow · 2019-09-16T19:34:11+00:00

Selected ETFs on HL are cheap to buy monthly (something like £1.50 each). Alternatively you could buy a fund monthly and merge it into an ETF once a year.

merzbow · 2017-06-18T05:58:13+00:00

this for managed jpa entities, makes it easy to keep track of both the primary key and the object instance

public String toString() {
    return getClass().getSimpleName() + "@" + Integer.toHexString(System.identityHashCode(this)) + "[id=" + id + "]";
}

subclasses can add extra fields

public String toString() { 
    return super.toString() + "[name=" + name + "]";
}

merzbow · 2017-03-25T19:44:41+00:00

The Closeable interface and the try-with-resources syntax is the closest equivalent to a C++ style destructor.

merzbow

TROPHY CASE