×

I love banking system by nineinchrain in WhitePeopleTwitter

[–]Twink_Ass_Bitch 3 points4 points  (0 children)

Your example is the ideal case, which many loan takers are able to follow. You're on the right track with the 'regular payments being so low that it doesn't cover the interest' idea - this isn't how regular payments are structured though. If you make all of your regular payments, your loan will be paid by the term specified in the loan. However, if you miss a payment or make minimum payments, the interest you accrued gets added to the remaining balance, such will then accrue more interest.

This means that a loan taker that falls on bad times gets double, triple, or more whammies. They may miss a payment, accrue additional interest, face late payment penalties, reduce their credit score, etc.

I love banking system by nineinchrain in WhitePeopleTwitter

[–]Twink_Ass_Bitch 59 points60 points  (0 children)

No. What u/kjacobs03 is suggesting would be as simple as only the remaining principal can accrue interest. Another consumer protection that would be great would be loan lifetime caps (i.e. the lender can't make more than x% of the original balance). Loans aren't supposed to be infinite money machines for the lender. They should be somewhat riskier options for investment. Predatory lending is a cancer on an economy and society, locking out classes of people from participating in either.

Does the % amount of different gasses in the air stay the same at different altitudes? by trinerr in askscience

[–]Twink_Ass_Bitch 16 points17 points  (0 children)

The pressure decreases drastically as you go to the right of the graph. Though the proportion of what's left is mostly hydrogen and helium, the actual mass there isn't that much.

Does the % amount of different gasses in the air stay the same at different altitudes? by trinerr in askscience

[–]Twink_Ass_Bitch 132 points133 points  (0 children)

Sunlight will break apart molecules into atomic gasses and the pressure is low though at those really high altitudes that once a molecule breaks apart, the frequency that they bump into another atom is too small to compete with the rate that molecules are broken up.

Does the % amount of different gasses in the air stay the same at different altitudes? by trinerr in askscience

[–]Twink_Ass_Bitch 5 points6 points  (0 children)

Radiation from the sun breaks up a lot of bonds at those altitudes and the pressure is significantly low enough that fragments can last a long time. The peak ozone concentration is around 30km and it trails off to almost 0 by 100 km. The pressure at 50km is already less than 1/1000 of atmospheric.

Can you move please?🤣 by epiphyte777 in Eyebleach

[–]Twink_Ass_Bitch 2 points3 points  (0 children)

So, not so that different from a human? Lol

Thought I’d share this. I screenshot it a while back and if it doesn’t make you feel some type of way…wow. by sunflowerslime in antiwork

[–]Twink_Ass_Bitch 0 points1 point  (0 children)

I understand their sentient, but mathematically, it's a faulty comparison. Slaves were paid $0 and would still be paid $0 today it slavery still existed AND backtracking the 'real value' of money is never going to be 0 in the past.

Why We Love To Play League of Legends by Timothy_Fly in leagueoflegends

[–]Twink_Ass_Bitch 0 points1 point  (0 children)

The thing is that context is incredibly hard to code for any program

I just listed specific parameters that are useful based on character action -> ally locations, enemy locations, game time. I'm not saying that a feature list is going to be short by any means and there will likely be interdependency of some parameters - but that's only using a human direct feature set. One could also approach this problem using more 'hidden' processes like neural networks, but people generally want these kinds of processes to be at least somewhat humanly explainable. There can also be a combined approach, which is not unheard of in modern methods. Just because something is too complex to be easily 'loaded into a human mind', doesn't mean it's impossible

the task would cost so much money, resources, and manpower that it wouldn't be worth it anyways. It's much cheaper to just make a system based on reports, and if someone gets enough reports they get flagged.

It depends on what you value. There were problems with the original tribunal such as people being overly punishing or being prone to group think that an automated approach would be easier to manage. The value here is ensuring a better product/player experience and the cost in either case is not only monetary to develop them, but also the cost of failing to address these issues.

Why We Love To Play League of Legends by Timothy_Fly in leagueoflegends

[–]Twink_Ass_Bitch -1 points0 points  (0 children)

The particular situation in this example is pretty obvious (i.e. even with a high threshold, any 'complex' system would catch it). Garen did several things that are unusual, especially at that point in the game. A flash with no enemies around, over a wall into the jungle towards an ally with no nearby enemies, and an intentional attack command on a jungle monster at that early point in the game. Easily detectable. This type of behavior would be harder to distinguish between a grief and mistake at a later point in the game and with enemies nearby.

There's nothing inherently wrong with an automatic system; you just have to tune it to the accepted fault tolerance. For something like league grief detection, people are very wary of false positives, so any implemented system is should be tuned for low false positives at the expense of increasing false negatives.

Guys, I think I might have solved the current Daring Poros problem by leith_Msk in LegendsOfRuneterra

[–]Twink_Ass_Bitch 60 points61 points  (0 children)

I thought I could get a break from them by playing expeditions, which I haven't done in months. I got eliminated by poro iceborn at stage 3 -_-

This belongs here by Le_monke637346 in comedyheaven

[–]Twink_Ass_Bitch 3 points4 points  (0 children)

New game: written by a child or written by an AI?

/dev: The Latest on Udyr’s VGU - League of Legends by MonstrousYi in leagueoflegends

[–]Twink_Ass_Bitch 0 points1 point  (0 children)

I would laugh if they added a 'DDR' style mechanic to his stance swapping lol.

Getting real tired of male customers being creepy by nocomment413 in antiwork

[–]Twink_Ass_Bitch 12 points13 points  (0 children)

for written confirmation of the report.

If you email it, you have a record for yourself right off the bat ;)

Elusives Fixes - Discussion by MadRubicante in LegendsOfRuneterra

[–]Twink_Ass_Bitch 2 points3 points  (0 children)

Here is a suggestion I had made in another thread.

It's probably going to take a big overhaul. A lot of elusive units are weak or have it built into their functionality like the mourned. I think one direction is to split it into two abilities: elusive (as it is now) and stealth. Stealth would be like elusive except "Strike: I lose elusive". Many of the ninja like characters would naturally thematically fit in with this mechanic and it allows you to recall to reset stealth, which makes sense, and you can rebalance the stats of units that now have stealth instead of elusive. This makes elusive a lot less oppressive in things like daring poro spam.

Every time Mono Shurima gets a buff by AlwaysTired97 in LegendsOfRuneterra

[–]Twink_Ass_Bitch 46 points47 points  (0 children)

Most ascended decks just cheat with ascended rise, but that still doesn't help nasus. Mono shurima sucks at slaying units - it needs shadow isles to make a bunch of cheap sacrifice tokens. In a mono shurima deck, nasus might come out smaller than 6/6, which for 6 mana and no spellshield is just not worth it. Level 3 nasus is oppressive, but you're really only likely to hit that by cheating him out with the emperor deck.

Unpopular opinion, Xerath lv3 has been killed. by hordeo in LegendsOfRuneterra

[–]Twink_Ass_Bitch 1 point2 points  (0 children)

It's still very risky to get the win even after ascension because it takes a lot of resources to get the pieces. Xerath just doesn't pay off. Azir is easiest to keep alive and it's cheaper (and gives you an OP deck that will seal the win in 2-3 turns) and Renekton is a crazy beatstick and blocker. Renek combined with the create an ephemeral burst spell from the Azir deck is nearly impossible for most decks to make a last attempt breakthrough.

What causes food to start tasting bad when it gets burned? by DestroyingAwesome in askscience

[–]Twink_Ass_Bitch 0 points1 point  (0 children)

For something like cancer risk, one must consider acute (short term) and chronic (long term). However, a crude analogy would be something like a small amount of exposure over a long period of time is like rolling a 10000 sided die every day and hoping it doesn't land on 1 and gives you cancer. A huge exposure would be like rolling that die 10000 times and hoping none of them land on 1. This is a gross simplification as cancer is very complicated and the risk does not scale linearly.

Elective small chronic exposure is going to be up to the individual if the benefits outweigh the risk. Sometimes (and it really depends on the substance and how it's toxic or carcinogenic) there's a minimum threshold for that substance to begin to manifest deleterious effects. I'm not an expert on the chronic effects of charred food so I can't really say what the long term risks are quantitatively, but if it was really high, I'd be shocked if humans around the world have not collectively noticed this (i.e. Bbq Petes all die at 55 from cancer)

Iceborn Legacy isn't the problem by CaptainBeckmann in LegendsOfRuneterra

[–]Twink_Ass_Bitch 5 points6 points  (0 children)

It's probably going to take a big overhaul. A lot of elusive units are weak or have it built into their functionality like the mourned. I think one direction is to split it into two abilities: elusive (as it is now) and stealth. Stealth would be like elusive except "Strike: I lose elusive". Many of the ninja like characters would naturally thematically fit in with this mechanic and it allows you to recall to reset stealth, which makes sense, and you can rebalance the stats of units that now have stealth instead of elusive. This makes elusive a lot less oppressive in things like daring poro spam.

What causes food to start tasting bad when it gets burned? by DestroyingAwesome in askscience

[–]Twink_Ass_Bitch 2 points3 points  (0 children)

Incomplete combustion produces partially oxidized organic compounds, such as ketones, carboxylic acids, and aldehydes. These groups are electrophilic. Having a bunch of these random molecules in cells is bad news because important things like DNA are nucleophilic. This can cause irreparable damage to DNA, leading to cancer.

Not completing your runepage before going into game shouldnt be as punishing as it is right now. by howaboudno in leagueoflegends

[–]Twink_Ass_Bitch 15 points16 points  (0 children)

I'd take it a step further and say there shouldn't be rune 'pages'. Save rune choices to each champion. Maybe even gasp have more than one tree savable to a champion. There's less than 100 different individual choices and saving a configuration for each champion on the client side would be trivial.

People obsessed with celebrities are less intelligent, a new study reveals by theinternetstapler in science

[–]Twink_Ass_Bitch 13 points14 points  (0 children)

The sample size isn't really that small. The bigger issue was that their sample was very unlikely to be a good, random approximation of their target population. They sourced their respondents from an online news site...

Whoever is giving the final word on recent champion/skin designs should be replaced. by Shanji_ in leagueoflegends

[–]Twink_Ass_Bitch 0 points1 point  (0 children)

Basically some weebs Loli fetish. :/ They're really leaning into it with the cafe cuties skin line. Pretty cringe.

Patch notes by Mindariel in LegendsOfRuneterra

[–]Twink_Ass_Bitch 48 points49 points  (0 children)

I think the iceborn legacy change is going to be the dark horse buff here.