I still hated it, but RDR2 had a decent weapon maintenance/damage system. Most of it gets done in downtime between missions, but it’s also possible to just pick up others’ weapons as often as you need depending on how you play.
That’s probably why and when it works, when it encourages you to choose between 2 different styles of play: hunt down top tier weapons and then spend time/strategy keeping them maintained, or rip through missions aggressively and pick up everything you can.
I pretty much always have more fun when weapons don’t degrade, and I am so far from a grinder that I am 100% down for unlimited ammo and overpowered weapons, but I think weapons breaking can work if replacements are super easily found and increase in quality as the game progresses, or if repairs are pretty much optional depending on how you play.
Except that 401ks are invested. By default they tend to be invested in a relatively stable, diverse portfolio along the standard long-term investment guidelines of ~60/40 balance of stocks and fixed or cash holdings. Mine made 15% last year invested even more conservatively than that, and it’s a no-name 401k provides by my small employer. I would have made significantly less with gold.
If you think people’s 401ks are just sitting there in a low-interest checking account, I don’t think you understand how they’re actually structured.
Yeah the comment treats 401ks like they are checking accounts rather than investment accounts. Outside of a major recession, a 401k should outperform inflation. And if it grows at 5% (conservatively) during a 30-year career and then you happen to have to retire during a 2008-scale recession, you’ll still have way more than your principal investment in there.
I mean maybe, but 401ks almost always require you to set a target fund or indicate a preferred risk level just to set an account up. So unless the commenter went out of their way to not allow their 401k to be invested, it would almost certainly be invested in, at least/lowest risk, an interest bearing cash equivalent, like a MMF as you mentioned. And MMFs were crazy last year, some earning like 7% with essentially no risk and great liquidity.
No, the article is actually saying that people have not done this enough. Workers were better off when their employees did so for them and mandatorily (a pension system), and allowing folks to self manage how much they put away is what has led to 49% of folks within 10 years of retirement having nothing to retire on.
There are very safe ways to invest. Doing it poorly and a lot is a gamble; taking a little time to understand different investment vehicles and portfolios and the risks associated with each allows you to earn interest at literally any level of risk. An example, money market funds earned 5%-8% on 2023, and it is literally impossible for MMFs to go negative. Certified deposits offered up to 5.5% guaranteed returns. The benefit of pensions is that employees don’t need to learn all that and make those choices in order to benefit from them.
First let me be clear: I’m not a crazy conspiracy person (…on this) I just don’t rely on a municipal well. As far as I know adding fluoride to the private well at my houses is not a thing, good or bad. I did drink municipal water for two years when I lived on campus in college....
Using one of these the right way has produced one of the strongest highs I’ve ever felt. I tweaked hard. But much more often, it was either hard to get even a buzz, or it ended up burning some bud. So I believe people when they say they love theirs, but they must really know how to use it.
I very much understand the misgivings about this, and certain parts make me uncomfortable with it, too. But this could be revolutionary for media accessibility, and in my mind could easily be worth it for the ability to make new media immediately accessible to folks with vision challenges, deaf and hard of hearing individuals, and a lot of other folks for whom most media is not easily interactive/accessible. For many people in this situation, you wait months after a traditional version of something is published before an accessible version is released, if it ever is. Often, it’s just not seen as worth a publisher’s time to make their content accessible to an audience they don’t see as significantly profitable.
Like the printing press took jobs from scribes, but had far more significant impacts democratizing information and education, so might AI in the long run.
I don’t own one, but in Madrid where I was from, the public city bikes are belt driven and motor-assisted. They get insanely rough and heavy use, but I don’t think I ever saw one where the belt was an issue. So as far as durability alone goes, I’ve seen belts work well and for a long time even on bikes shares by tons of folks and that are left outside 24/7
Weapon Breaking Done Well? (lemmy.world)
TLDR: which games do WEAPON BREAKING without making you want to tear your hair out?...
Typical British pub (files.catbox.moe)
https://files.catbox.moe/zgwx88.mp4
Senior dev be like... (programming.dev)
Was the 401(k) a Mistake? How an obscure, 45-year old tax change transformed retirement and left so many Americans out in the cold. (www.nytimes.com)
Do adults benefit from flouride?
First let me be clear: I’m not a crazy conspiracy person (…on this) I just don’t rely on a municipal well. As far as I know adding fluoride to the private well at my houses is not a thing, good or bad. I did drink municipal water for two years when I lived on campus in college....
'It's about time': Charlie Kirk defends frat boy who made monkey noises at Black woman (www.rawstory.com)
Beeseball (sh.itjust.works)
Dawkins (mander.xyz)
How it all started (sopuli.xyz)
The magic flight introduced me to the world of vaping more then 10 years ago. I was traveling for work alot and it was a great companion....
40,000 AI-narrated audiobooks flood Audible, dividing authors and listeners (www.techspot.com)
I definitely do not want to support this practice, but there’s no way to filter these out 😠.
Green philosophy (lemmy.world)
Existential slander rule (lemmy.world)
I was trying to watch Jessica Jones, not debate my personhood 😂
15 Portland police cars badly burned Thursday morning; arson suspected (www.oregonlive.com)
OC We're hiring! We need a Traffic Maintenance Worker I.
Up to $39k Annually...
How many of you have something with a belt drive? What do you think of it? Any regrets?
cross-posted from: sh.itjust.works/post/18597997...
Helpful diagrams (mander.xyz)
18+ Limestone ostracon depicting sex, Egypt, 11th century BCE
deleted_by_moderator
OC Unpopular opinion