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.
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.
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.
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.
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.
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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....
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