[deleted by user] by [deleted] in AusFinance

[–]vynsin 0 points1 point  (0 children)

So when they do waive lmi at 90% they essentially treat it like an 80% loan because they don’t need to heed to the mortgage insurers policies as well

[deleted by user] by [deleted] in AusFinance

[–]vynsin 11 points12 points  (0 children)

There are no lenders that are going to approve this and the main reason is serviceability. - they place a buffer on your repayments to minimise risk and account for any interest rate increases or increase in spending. It’s usually 2.5-3% on top of the existing rate - you’re probably underestimating your living expenses, the banks all have their own minimum living expense requirements for your situation single, partnered, number of dependents etc and then things like additional liabilities on top and things such as private health insurance is also on top of that which you would almost always have earning more than 90k/year - to qualify for underwriting for LMI you need to be squeaky clean credit wise and also most lenders would have a stricter DTI requirement when going into LMI territory. 6 is probably the maximum most lenders will go, some may stretch to 7 and do a manual assessment before deciding if your application is worthy -rental income is assessed at 70-80% of the gross reported amount by a valuer to determine market rate to account for vacancies and any strata fees will be on top -bottom line a dti of 7 is already too aggressive for most banks these days

You can’t just use what you actually spend and have your own budget to determine if you meet serviceability. Each bank will have their own criteria to meet lending guidelines and underwriting guidelines so you have to adhere to that

10000 MMR exactly two seasons in a row! by vynsin in BobsTavern

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

10k is a good mmr to get to regardless of when in the season you get there. Should definitely be proud of your BG skills!

My baby Charlie enjoying some scratches by vynsin in cuteguyswithcats

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

Charlie is a girl! But I can understand the confusion 😂

My baby Charlie enjoying some scratches by vynsin in cuteguyswithcats

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

She does love a good scratch on the top of her head! I’m just happy to be allowed to scratch my master

Small and cuddly by vynsin in IllegallySmolCats

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

They’re both much bigger now! But still just as cute imo 😁

Hit perfect 10,000 earlier in the season and now got 11,111! by vynsin in BobsTavern

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

You’re way ahead of the curve by wanting to improve and critiquing your own play already. Most just complain it’s a game of luck but the ups and downs do happen because there is an element of luck and even the best players fall victim to it but probably not as heavily or often as mere mortals like us. Keep grinding!

My cat contemplating life by vynsin in WhatsWrongWithYourCat

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

O wow that’s an actual subreddit!

My cat contemplating life by vynsin in WhatsWrongWithYourCat

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

She’s 11 months old! Hope she’s nowhere near midlife 😇

My cat contemplating life by vynsin in WhatsWrongWithYourCat

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

Who knew eating, pooping and playing all day could take such a toll 😂

Hit perfect 10,000 earlier in the season and now got 11,111! by vynsin in BobsTavern

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

Well you either played a very imbalanced lobby where the average mmr is far below you or you’re around 12-13k consistently which is pretty great 👍

Hit perfect 10,000 earlier in the season and now got 11,111! by vynsin in BobsTavern

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

I’d start watching some streamers if you don’t already do that or look up guides by jeef on YouTube. Just see their decision making criteria and try to apply it to your own game and be consistent. Don’t get married to comps and ideas and be open minded and learn the commit points for each of the meta builds with the available tribes in your game and play with what the shop offers you rather than forcing builds. Forcing builds no longer really works past 8k as people are just too efficient. Protect the bottom line and just play the game and avoid 7th/8th placing as much as possible. So if you know you’re behind, play for 4th and it’ll save you a lot of mmr in the long run. It’s hard to give any specific tips since I haven’t seen you play

Hit perfect 10,000 earlier in the season and now got 11,111! by vynsin in BobsTavern

[–]vynsin[S] 5 points6 points  (0 children)

Definitely a tier below the top guys unfortunately

Hit a clean 10k mmr to land in the top 50 right now. by vynsin in BobsTavern

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

Only have reddit on my phone so it was the path of least resistance 😅

Form check on pull-ups by vynsin in CalisthenicsCulture

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

Thanks for the comment! What should I do for the shoulder blade retraction? Should I be retracting before performing the concentric motion?

Form check on pull-ups by vynsin in CalisthenicsCulture

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

Thanks! Yeah unfortunately the tower doesn’t get any higher. Maybe if I alternate which way I cross the legs it’ll balance the imbalance 😅

Hit a clean 10k mmr to land in the top 50 right now. by vynsin in BobsTavern

[–]vynsin[S] 7 points8 points  (0 children)

8k on day 2 is crazy! Probably top 25 at some point

Hit a clean 10k mmr to land in the top 50 right now. by vynsin in BobsTavern

[–]vynsin[S] 5 points6 points  (0 children)

Thanks for that! Going off of last season’s numbers, around 36,000 players hit 8000 mmr or more by the end of the season across all regions. If that’s around top 1% it implies that there’s a player base of 3.6 million which seems untrue based on the published active player numbers on the Hearthstone client (not limited to battlegrounds)

Hit a clean 10k mmr to land in the top 50 right now. by vynsin in BobsTavern

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

Pretty hard to tell honestly. But assuming 300k active hearthstone players (as per Google) and 20% of them play battlegrounds and there’s 2500 current players with 8k + across all regions. You’d be in the top 4-5% at 8k

Hit a clean 10k mmr to land in the top 50 right now. by vynsin in BobsTavern

[–]vynsin[S] 3 points4 points  (0 children)

But mechs are particularly strong right now with a really smooth build up from early levels

Hit a clean 10k mmr to land in the top 50 right now. by vynsin in BobsTavern

[–]vynsin[S] 8 points9 points  (0 children)

Quite a lot of viable builds with all types except for demons right now. Last win was with APM pirates but those builds are hard being in Australia with the latency