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mojo1701a posted:I remember similar rumours regarding Israel with their birthright tours. It's 100% true But then again, you put any mass of 18-22 year olds together and they're bound to bump uglies
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Jul 21, 2017 17:24
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ego symphonic posted:Lots of schools recruit pretty young students to show the players around as part of the recruitment process and undoubtedly some of them also sleep with the players they're showing around. No athletic department would ever explicitly instruct them to do so, if only for fear of liability, but its not unreasonable to assume that's the intent of the whole process. Clearly I visited the wrong colleges
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Jul 21, 2017 17:27
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Not a Children posted:It's 100% true I mean, the olympics.
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Jul 21, 2017 17:28
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Being beautiful and fit is GWM.
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Jul 21, 2017 18:47
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Hoodwinker posted:Being beautiful and fit is GWM. Unless you didn't start that way and had to work for it, then it's only NWM (neutral) because it takes a lot of time, work and money but probably pays off.
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Jul 21, 2017 19:09
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It greatly reduces medical bills later in life, so I'm guessing GWM in the end. Unless it causes you to outlive your savings. In which case BWM.
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Jul 21, 2017 19:13
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ego symphonic posted:Lots of schools recruit pretty young students to show the players around as part of the recruitment process and undoubtedly some of them also sleep with the players they're showing around. No athletic department would ever explicitly instruct them to do so, if only for fear of liability, but its not unreasonable to assume that's the intent of the whole process. My sister did this. She said it paid extremely well for basically no work. The position they hired her for was "social media and outreach" - she had to tweet one inspiring sports quote a week from the school football team's Twitter, and sometimes do tours or go to recruiting events to hand out flyers. But mostly stand there and look pretty. I don't believe she ever slept with a prospective student, though she said she definitely got the vibe that the football coach would basically have paid to just have pretty young women around him at all times. They paid for for three hours a week of work, she said she averaged about 20m a week, with the rest of it just browsing Facebook or whatever while sitting in the sports department office. Being attractive is GWM.
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Jul 21, 2017 19:33
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EAT FASTER!!!!!! posted:Unless you didn't start that way and had to work for it, then it's only NWM (neutral) because it takes a lot of time, work and money but probably pays off.
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Jul 21, 2017 19:56
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canyoneer posted:I looked on the Warhammer reddits to find threads about how much people have spent lifetime on Warhammer stuff. One guy said he estimates about $20k but that's been over the course of like 20 years and $1k/yr on hobbies doesn't seem that weird if you can afford it. Magic: The Gathering is similarly BWM. When I played a few years ago most tournament quality decks were around $400 for the most popular format, and you need to drop a few hundred to keep current every 3 months when a new set comes out. Some of the formats involving older cards have decks costing several thousand dollars, and serious collectors can easily have collections worth tens of thousands. That's not even getting into the fact that there are foil and special edition cards that are much rarer, some of the big whales drop $10,000/year easy on new cards.
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Jul 21, 2017 20:02
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Konstantin posted:Magic: The Gathering is similarly BWM. When I played a few years ago most tournament quality decks were around $400 for the most popular format, and you need to drop a few hundred to keep current every 3 months when a new set comes out. Some of the formats involving older cards have decks costing several thousand dollars, and serious collectors can easily have collections worth tens of thousands. That's not even getting into the fact that there are foil and special edition cards that are much rarer, some of the big whales drop $10,000/year easy on new cards. How much for a performance
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Jul 21, 2017 20:07
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I have a friend who literally has a hoard of about $20,000 in cases of Magic cards, that he plans to sell off as they reach a certain age at a profit. I have no idea how BWM this is or even if it's BWM but it feels like it should be.
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Jul 21, 2017 20:13
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Nail Rat posted:I have a friend who literally has a hoard of about $20,000 in cases of Magic cards, that he plans to sell off as they reach a certain age at a profit. I have no idea how BWM this is or even if it's BWM but it feels like it should be. the only thing dumber than trying to time the stock market is trying to time the "goods with no actual value" market. see: beanie babies
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Jul 21, 2017 20:18
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No Butt Stuff posted:the only thing dumber than trying to time the stock market is trying to time the "goods with no actual value" market. see: beanie babies Tulips.
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Jul 21, 2017 20:20
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Konstantin posted:Magic: The Gathering is similarly BWM. When I played a few years ago most tournament quality decks were around $400 for the most popular format, and you need to drop a few hundred to keep current every 3 months when a new set comes out. Some of the formats involving older cards have decks costing several thousand dollars, and serious collectors can easily have collections worth tens of thousands. That's not even getting into the fact that there are foil and special edition cards that are much rarer, some of the big whales drop $10,000/year easy on new cards. I remember reading a while ago that some of those pay-to-win phone games are kept afloat entirely by a few players who dump thousands of dollars a week into them
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Jul 21, 2017 20:22
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Nail Rat posted:I have a friend who literally has a hoard of about $20,000 in cases of Magic cards, that he plans to sell off as they reach a certain age at a profit. I have no idea how BWM this is or even if it's BWM but it feels like it should be.  ). It's the only collectible that has somehow genuinely appreciated at above-market rates. That...doesn't mean you should hold magic cards because they're gonna keep going up, but clearly it had more staying power than anyone would have credited it with in 1992.
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Jul 21, 2017 20:34
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Jeffrey of YOSPOS posted:For what it's worth, magic cards have done very well, the random one expensive card I got in second grade is supposedly worth $600 now, which is better than the market has done in that time. (Without counting dividends because Is that based on "the cost of one card then vs. now" or "the cost of how many packs of cards you had to buy average to get the one rare card vs. now"
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Jul 21, 2017 21:24
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Konstantin posted:Magic: The Gathering is similarly BWM. When I played a few years ago most tournament quality decks were around $400 for the most popular format, and you need to drop a few hundred to keep current every 3 months when a new set comes out. Some of the formats involving older cards have decks costing several thousand dollars, and serious collectors can easily have collections worth tens of thousands. That's not even getting into the fact that there are foil and special edition cards that are much rarer, some of the big whales drop $10,000/year easy on new cards. I don't understand how this makes for a fun game. One of my BWM tendencies is (car) racing. There are classes with very strict rules on modifications and the like exactly because every class would turn into "who spent the most money" being like 75% of the criteria for winning. Sure, there are the top end unrestricted classes for each type of racing and while a lot of fun to watch........no thanks. I'll stick with a class where we run $1500 cars with about double that in safety gear.
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Jul 21, 2017 21:42
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Motronic posted:I don't understand how this makes for a fun game. The fun game is called consumerism, give it a whirl sometime
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Jul 21, 2017 21:44
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ate all the Oreos posted:The fun game is called consumerism, give it a whirl sometime I can't afford to compete in that game as well as retire.
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Jul 21, 2017 21:46
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Motronic posted:I don't understand how this makes for a fun game.
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Jul 21, 2017 21:47
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ate all the Oreos posted:Is that based on "the cost of one card then vs. now" or "the cost of how many packs of cards you had to buy average to get the one rare card vs. now" Nowadays if I was gonna play magic, I'd just use "counterfeit" cards, there's no point in paying more than ink costs for them.
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Jul 21, 2017 22:05
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ate all the Oreos posted:Is that based on "the cost of one card then vs. now" or "the cost of how many packs of cards you had to buy average to get the one rare card vs. now" It's a bunch of factors: Legitimate supply and demand at work on the stuff from 1993 (there were only ever 1,100 copies of each rare from the first print run, and something like 50,000 total across every printing of them.) Also supply crunches on a fair number of other older cards that people didn't realize were good at the time (thinking like Lion's Eye Diamond - that thing was trash for the first ten years it existed to the point that people actively complained to the makers of the game... and turns out it's actually insane.) so many copies weren't preserved, whether damaged or lost. A couple really big increases in player population (Tournament player population doubled 2008-2013 but we don't have public numbers beyond that.) That said, a fair chunk of more recent stuff has doubled in price even since 2010, which is as far back as the best price-graph website I know goes. Spiked higher on and off, but I'm talking "right now, being sold for twice as much as it was seven years ago", so even taking a haircut to sell to a dealer you'd end up making 10% a year or something. Graphs that all look like this:  You just have to be psychic and buy only those cards  (Sure, they're all cards I wouldn't have laughed at you for buying in 2010, but there are also a lot of others that just went nowhere and if you only bought the ones that seemed good in 2010 you would have missed a lot as well. Don't invest in Magic: the Gathering cards as an investment vehicle.)
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Jul 21, 2017 22:08
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Motronic posted:I don't understand how this makes for a fun game. There are different classes/formats in Magic The Gathering too. But as it turns out, the thing that people play most is the rolling rotation format where only the last 2-3 years of releases are legal. Expensive cards are a way of life there, but the $20,000 first printing cards aren't legal there. There's also a format of collectible card game where there are no blind boosters, and you just buy whatever expansion you feel like (biggest example is Netrunner: Android). Within hobby games, just like any other hobby, there are ways to spend a lot of money (MtG, Warhammer) or ways to spend comparatively a lot less (Netrunner, X-Wing, Game of Thrones, board games) Or you could buy the greatest value in boardgaming from a $/hour perspective, Campaign for North Africa http://warisboring.com/the-wretched-excess-of-the-campaign-for-north-africa/ quote:It’s hard to exaggerate The Campaign for North Africa‘s reputation for being complicated. It might be the most intimidating tabletop game ever put to print, and it is without question the most demanding of all old-school wargames. What a bargain!
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Jul 21, 2017 22:24
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DACK FAYDEN posted:The former. I know way too much about this so you're getting an effortpost!
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Jul 21, 2017 22:28
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A buddy of mine traded his Mirror Universe card for a heavily-used small-form sectional sofa. This was a dorm trade about twenty years ago. I still have a huge collection of Revised hiding somewhere in my parents' house.
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Jul 21, 2017 22:41
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ate all the Oreos posted:I remember reading a while ago that some of those pay-to-win phone games are kept afloat entirely by a few players who dump thousands of dollars a week into them It's not quite that bad, but many F2P games are only an inch above mobile phone gambling. TL-DR; 50% of a normal F2P game's revenue comes from "Whales", which make up about 1% of the entire player population. A typical whale spends $200-$500 over the lifetime of the game, mostly by making dozens of $20 purchases without realizing how BWM they have become. golden bubble fucked around with this message at 23:42 on Jul 21, 2017 |
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Jul 21, 2017 23:38
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The thing about original Magic cards would be that to accurately model the collectible expected return, you should include the other collectible card games of the period of then similar popularity, as you wouldn't really know beforehand that Magic would be the one to take off, while your rare Pokemon cards are worth about as much as Beanie Babies.
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Jul 21, 2017 23:45
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crazypeltast52 posted:The thing about original Magic cards would be that to accurately model the collectible expected return, you should include the other collectible card games of the period of then similar popularity, as you wouldn't really know beforehand that Magic would be the one to take off, while your rare Pokemon cards are worth about as much as Beanie Babies.
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Jul 21, 2017 23:57
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crazypeltast52 posted:The thing about original Magic cards would be that to accurately model the collectible expected return, you should include the other collectible card games of the period of then similar popularity, as you wouldn't really know beforehand that Magic would be the one to take off, while your rare Pokemon cards are worth about as much as Beanie Babies. https://en.wikipedia.org/wiki/List_of_collectible_card_games#Games_by_release Yep. https://www.reddit.com/r/personalfinance/comments/6oolsx/nwm_term_80_and_adjustable_comp_life_pretty_sure/ NWM term 80 and adjustable comp life - pretty sure we're getting ripped a new one (self.personalfinance) submitted 7 hours ago by CheesePatrol quote:Back story: Friend convinced my wife to talk to this "financial advisor" she dealt with. Lady came by to talk to us, but all she did was hawk NWM products and didn't provide much in terms of financial advise besides telling us to throw any leftover money at our mortgage and make sure to keep up with our IRA / 401k contributions. I knew something was up when it was the most softball interview I've ever had, with just 2 questions, and then she handed me a folder with a big blank list and said "your homework before the second interview is to make a list of friends and family members who you would like to tell about your internship" I chuckled and walked out leaving the paper behind.
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Jul 22, 2017 00:05
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No Butt Stuff posted:the only thing dumber than trying to time the stock market is trying to time the "goods with no actual value" market. see: beanie babies Legacy magic cards hold value surprisingly well, seeing if the price on dual lands will continue to go up is not a bad idea given he almost assuredly did not pay multiple hundreds of dollars for them when he got them Don't invest in magic or comics though BENGHAZI 2 fucked around with this message at 00:17 on Jul 22, 2017 |
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Jul 22, 2017 00:15
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Also Campaign for North Africa literally has a rule that says Italian troops must be allocated one additional unit of water each For boiling pasta I love it
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Jul 22, 2017 00:18
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BENGHAZI 2 posted:Also Campaign for North Africa literally has a rule that says Italian troops must be allocated one additional unit of water each Better yet, apparently your troops fall to pieces without their pasta which would be a hilarious way to lose the game. quote:Furthermore, Italian battalions not receiving their Pasta Point that have a Cohesion Level of -10 or worse immediately become Disorganized, as if they had reached -26. As soon as such units get their Pasta Point,they regain the original cohesion level(i.e., the level they had before they disintegrated.)
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Jul 22, 2017 00:34
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BENGHAZI 2 posted:Also Campaign for North Africa literally has a rule that says Italian troops must be allocated one additional unit of water each 
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Jul 22, 2017 00:37
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How Subprime Car Loans Are Ruining Lives And Repeating The Mistakes Of The Housing Crisis http://jalopnik.com/how-subprime-car-loans-are-ruining-lives-and-repeating-1796893288
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Jul 22, 2017 01:05
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GamingHyena posted:Better yet, apparently your troops fall to pieces without their pasta which would be a hilarious way to lose the game. one time i almost convinced my hilariously BWM manager who loves board games to buy a copy on ebay so that we could film our attempt to complete a playthrough
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Jul 22, 2017 01:12
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Motronic posted:How Subprime Car Loans Are Ruining Lives And Repeating The Mistakes Of The Housing Crisis
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Jul 22, 2017 01:52
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Hoodwinker posted:I've brought this up before and I'll bring it up again: the next great crisis won't be real estate or auto loans, it'll be phone/electronics loans. It's gonna be tech-noir as hell. I don't doubt you on this, but will that have as much impact? I mean, those things are much lower cost so I'd think the number of units would have to be astronomical to have the same mass effect. Is there any research/articles on this? Sounds like prime BWM thread reading.
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Jul 22, 2017 01:55
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Motronic posted:I don't doubt you on this, but will that have as much impact? I mean, those things are much lower cost so I'd think the number of units would have to be astronomical to have the same mass effect. Is there any research/articles on this? Sounds like prime BWM thread reading.
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Jul 22, 2017 02:02
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Really? Phone contracts are usually two years at zero interest. I’m not sure if you can over leverage or securitize that in a bad way. The principal is being paid down at too fast a rate to stay risky. Also cell phones are one of the few products that even poor people can get without the usual poor person tax. A $200 Motorola isn’t as good as a $1000 iPhone, but it’s not $800 worse either. This keeps their financial exposure less than say...student loans, lovely car loans, or subprime mortgages. But I guess we can’t underestimate a bank’s ability to take a relatively safe bet and make it risky.
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Jul 22, 2017 02:24
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Many poors do not skimp on electronics. Look at this guy's gaming rig. https://www.washingtonpost.com/sf/l...those-who-dont/ E: Good article too.
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Jul 22, 2017 03:34
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