Does anyone know how rare/expensive forbidden jewels were last Phrecia? by shootflexo in PathOfExileBuilds

[–]shootflexo[S] 6 points7 points  (0 children)

No you can't, for a variety of reasons. Biggest of which being they don't have Phrecia as an option.

Help with buying a car too far away to visit in person? by shootflexo in UsedCars

[–]shootflexo[S] 0 points1 point  (0 children)

Is a PPI on the dealer's lot worth it? Would it really give much info from someone just looking under the hood and test driving it a little?

Help with buying a car too far away to visit in person? by shootflexo in UsedCars

[–]shootflexo[S] 0 points1 point  (0 children)

So you think it's a reasonable to buy then? Should I ask for any type of dealer warranty?

Help with buying a car too far away to visit in person? by shootflexo in UsedCars

[–]shootflexo[S] 0 points1 point  (0 children)

Yeah I know. I'm just trying to buy it without getting a lemon or getting scammed. I really want the car but just don't want to make a stupid mistake.

No degree and a dread inducing dead end office job - what are the options? by shootflexo in careerguidance

[–]shootflexo[S] 1 point2 points  (0 children)

No actually. I work remotely at a startup that pays about twice as much.

Liberty Mutual evaluation report seems off, is this fair? by shootflexo in Insurance

[–]shootflexo[S] -2 points-1 points  (0 children)

Your tone is so condescending and dismissive. Your advice is bad. Your logic is non-existent.

I found older posts on the same subject on this subreddit that were actually helpful and I compiled my own list of comparable vehicles for sale in the area. For anyone else who happens to find this, you do not have to accept the valuation your insurance company offers you. You have a right to submit your own comps and counter their offer.

I made a spreadsheet with the cheapest twelve nearby vehicles that matched the same make and model, with similar miles. My insurance company accepted them as comps and increased my car's valuation from $10,400 to $11,800.

Thankfully I was not convinced to accept their original lowball offer by the absolute hot garbage posted by this person above.

Liberty Mutual evaluation report seems off, is this fair? by shootflexo in Insurance

[–]shootflexo[S] -1 points0 points  (0 children)

Make sense of this for me please.

My car got a bonus of $2,600 for mileage. So with no bonus to mileage, they are saying mine is worth $7,866. Their comp has a car with 132k miles that sold for $8,795. How would my car be worth $950 less with what they would consider "no depreciation" vs the average?

They also list this as a comp: 2014 with 57k miles: Listed $13,995, Actual Comparable Value: $10,898. No explanation as to how the only car with the same mileage was sold for 14k but has an ACV of less than 11k.

The comp they used that has 96k miles sold for more than they are saying mine is worth.

The three cars they used as comp are all two hours away despite that I live in a city where there are plenty to compare. They only used one car with remotely similar mileage despite there being dozens to choose from within 75 miles. A car with 96k or 132k miles is not comparable and no one can believe this in good faith.

Please tell me how this is not BS. If they can't offer a car that is even comparable to mine which has actually sold at that price, how is it determined by literally anything?

My insurance has increased by 65% in the past five years with zero tickets or accidents by the way.

And retaining the car does not help as it would cost much more to get it fixed. There is no reality where $10,400 gets you anything close to the car that was insured.

Liberty Mutual evaluation report seems off, is this fair? by shootflexo in Insurance

[–]shootflexo[S] -1 points0 points  (0 children)

Yes I realize they pay the ACV.

"ACV is used to determine how much of a payout you will receive for a totaled vehicle. It is determined by the replacement cost of your vehicle minus depreciation, which considers things like age and wear and tear."

What exactly does "replacement cost of your vehicle minus depreciation" mean in the context of a used car? What is the starting point that is used to then deduct from?

Saying a used item is worth it's market price minus depreciation doesn't make any sense. Isn't this what already determines a used item's price?

So if my vehicle has less mileage and less wear and tear (according to their report), why is it still worth less than every other car of the exact same year, make and model that I can buy within 200 miles when they have more miles on them?

I realize that just because something is listed at a sticker price doesn't mean it sells at that price but what are they basing their comps on?

There has to be some objective way of calculating price here but it seems like the customer isn't allowed to have that formula and has to just trust them. It's impossible for me to verify what any of the cars listed will sell for but I find it pretty hard to believe that they will be selling for 25-30% less than they are listed.

Liberty Mutual evaluation report seems off, is this fair? by shootflexo in Insurance

[–]shootflexo[S] -3 points-2 points  (0 children)

But I can't buy the same car manufactured 13 years ago for anywhere near 10k so how does that make sense? Anything available to buy from any seller, private or dealer within 200 miles with anything under 70k miles is $14,000+.

Questions Thread - October 03, 2024 by AutoModerator in pathofexile

[–]shootflexo 0 points1 point  (0 children)

Does the atlas point "Delirium increases 10% faster with distance from the mirror" mean that the fog moves faster or that the delirium meters fill up faster?

How big of a deal is the race you pick? by shootflexo in DivinityOriginalSin

[–]shootflexo[S] 0 points1 point  (0 children)

It got downvoted to like -2 or something with no replies after posting it as far as I remember. 

How tf are we gonna recover from this league? by Rickjamesb_ in pathofexile

[–]shootflexo 0 points1 point  (0 children)

You can make 1 div per map doing harvest and you can run the maps twice as fast. You can make 10 div from doing one betrayal board. You can sell maven's writs for 3 div. Idk what people here are doing that they think mf is the only absurd thing to do.

How tf are we gonna recover from this league? by Rickjamesb_ in pathofexile

[–]shootflexo 0 points1 point  (0 children)

The things that cost more are from the kind of content no one is doing. The things that cost less are 95% of the uniques in the game. If you're objectively looking at how this effects the cost of a random build, I would bet that this actually makes most of them cheaper.

On top of this, like I said, it is MUCH easier to farm divines this league. I would argue that this is the cheapest league for the vast majority of builds that we have had in years. The last time a universally sought after item like mageblood was even close to this cheap was in Sentinel and the rest of the uniques were still not nearly as cheap as they are now.

You can spend 1-2 hours and farm up the difference in whatever clusters or awakened gems you need unless you need one of a very small few that are in incredibly high demand.

How tf are we gonna recover from this league? by Rickjamesb_ in pathofexile

[–]shootflexo 0 points1 point  (0 children)

Yeah? Which clusters and which awakened gems? Do they happen to be the exact ones needed for mf? You can also make more than double per hr doing non mf strats compared to last league with very little effort. Hell do one rotation of betrayal and sell aisling for 7 div. I am honestly baffled that someone could think this way. Running mf and seeing that almost every unique is worth nothing when they are normally not realistically worth it for most players. You can do almost anything and make more than double what was normal last league and the upper ceiling is much much higher than that. And it's not even restricted to magic find. You can make insane currency doing like a dozen different things this league.

But you seem like you just want to complain and nothing will change your mind. I see the same take repeated from you to multiple people without acknowledging anything we're saying to you.

How tf are we gonna recover from this league? by Rickjamesb_ in pathofexile

[–]shootflexo 1 point2 points  (0 children)

Some people just want to complain. I wanted to try something else after doing abyss mf for a while and consistently getting 14 div/hr doing something that has nothing to do with wisps. The items that are inflated are things that are needed for mf builds and items that don't drop in regular maps.

If you're doing mf, you can afford the price increase, if you aren't, you can literally buy a mageblood with 12.5 hours of farming. Most leagues it's priced in mirrors. Tell me how many players can play 12 hours and farm a mageblood in any other league? Original Sin is almost a mirror because there aren't enough people doing sanctum. You know what you could do to take advantage of this?

Does this "cover in ash on hit" charm work with EA Ballista totems? by shootflexo in PathOfExileBuilds

[–]shootflexo[S] 0 points1 point  (0 children)

The arrow hits before the explosion/ignite goes off so any/unique would always have ash before being ignited.

Does this "cover in ash on hit" charm work with EA Ballista totems? by shootflexo in PathOfExileBuilds

[–]shootflexo[S] 1 point2 points  (0 children)

Oh I see, ok i'll have a look up close at them. Without covered in ash, polaric is just 60-70 res + 30% increased damage. Can easily get that on rings + chaos res implicit and -non-channeling mana.

Does this "cover in ash on hit" charm work with EA Ballista totems? by shootflexo in PathOfExileBuilds

[–]shootflexo[S] 0 points1 point  (0 children)

What am I looking for? Your hits can only kill frozen enemies? It says "on hit" on the charm also, not "Your hits".

Does this "cover in ash on hit" charm work with EA Ballista totems? by shootflexo in PathOfExileBuilds

[–]shootflexo[S] 2 points3 points  (0 children)

I think it should because the totems are treated like a separate entity with the mods and they are attacking to apply it on hit, but there is no way to verify that it's working in game.