2021.03.01 22:29 YaboyWill Refunds for Cyberpunk 2077 should NOT have been issued the way they were.
Did foolish spenders miss out on a necessary lesson? I think so. Hear me out. TL;DR at end.
Any gamer with a non ape brain knows how devastating "pre order" and "hype" culture have been to our hobby. In the past decade it's been flop after flop, unfinished games, endless micro transactions, gambling problems, and just overall trash products. IM AM NOT SAYING ITS BEEN ALL BAD. We have received simply remarkable games as well. They should all be recognized.
I'm talking about the "Fallout 76, Battlefront 2, almost every EA game, Assassin's Creed Unity, Call of Duty's" of the world. Just to name a few. Games released with game breaking bugs, terrible performance, or empty content with micro transactions. And most recently, and arguably MOST notably, CYBERPUNK 2077.
The amount of hype around this game was fucking ungodly. Would make a sceptic out of anyone just from that. 8 MILLION PRE ORDERS. Jesus fucking Christ.
What happened after this games release was unprecedented. World wide refunds. 0 questions asked. EVEN FUCKING SONY gave full refunds. We have NEVER seen anything like this. Here's where my unpopular opinion comes in.
These millions of people that pre ordered a product, or bought it day one no questions asked, didn't learn shit. They got completely bailed out by Sony and CD PROJEKT. MAYBE we would've had a chance to change the culture, to change the way we consumers buy things. Imagine if everyone that pre-ordered the game was forced to live with the decision THEY MADE: To buy a product before it's release. Maybe that sting would actually encourage change.
But no. These fools will always think that they are entitled to a refund, and they will continue to support games BEFORE THEY EVEN TOUCH THEM, and we will keep getting shitty products from these Companies because there's no level of standard they are being held to. They are REWARDED for releasing half assed games with day 1-2-3-4- patches. I low-key wish pre ordering wasn't even a thing, but that's a fools dream.
TL;DR CD PROJEKT and SONY giving refunds out the way they did, taught foolish consumers nothing, and the destructive hype and pre order culture aren't going anywhere because of it. Maybe these consumers should've had to sit with their decision?
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2021.03.01 22:29 speckz Trump Renews His Vows With the Republican Party - At CPAC, the ex-president showed he has no intention of quitting the GOP. But are party insiders and conservative activists equally committed?
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2021.03.01 22:29 MonsterBook2 WORX WG308 JawSaw 5 Amp 6" Electric Chainsaw with Extension Handle, Now: $109.99 After $70.00 (38% off)
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2021.03.01 22:29 pianoplaying_frog Short Sketch I made.What do you think? [OC]
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2021.03.01 22:29 kimchiworld Pause Abuse to ruin game
2021.03.01 22:29 guroulurlure How can I help in South Sudan?
I have researched the history of the country and with the covid virus the country seems to have gone from the worst place on earth to an even worse place. I am interested in the best way to help, a lot of charities budgets goes to advertising rather than supporting and people who go there can make things worse with a white saviour complex so what can I do?
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2021.03.01 22:29 Doctortamago World Predictions? Now that the teams have been named?
2021.03.01 22:29 Edgelord723 Hate Mail of the Month: February Edition!
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2021.03.01 22:29 L0veToReddit Upvote or downvote? Why not both
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2021.03.01 22:29 imheretoclapcheeks If I'm signed into my Google account on both my phone and work PC, can my employer see the browsing history from my phone?
2021.03.01 22:29 Kennylovedale Chelsee healey😍🍑
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2021.03.01 22:29 lenuitrenard Bitcoin SV ready to sky rocket and cause a massive short squeeze. It has been beaten down and heavily shorted.
2021.03.01 22:29 ScientificInquirer I am Marc Landas, I am famous for writing accessible history books about science. Today I’m here to talk to you about my latest book about medical nationalism, Cold War Resistance: Antibiotics and the War Against Communism
Hi Reddit, Marc Landas here and I’m here to talk to you about my book about how medical nationalism crippled antibiotics, Cold War Resistance: Antibiotics and the War Against Communism. As you know from recent events with COVID-19 vaccines, medical nationalism is a weapon nations can wield against each other. After the discovery of antibiotics, the United States did everything it could to control access to the drug. It ended up hurting the drug’s effectiveness.
Here's the book's story in a nutshell:
The book in a nutshell:
In June 1941, Howard Florey and Norman Heatley boarded a plane for America carrying something precious. Penicillin. Once Washington understood its significance, the Office of Science Research and Development, in conjunction with British counterparts, assumed control. It became a Top Secret matter of national security. Because penicillin’s patent was in the public domain, they decided to restrict the actual production of the antibiotic, rather than the drug itself. In 1946, the State Department and the Foreign Office signed the Anglo-American Penicillin Production Agreement, formalizing the terms in which patented information and supplies could be shared with third parties. In 1949, the US embargoed any material deemed of “strategic importance” from going to Communist countries. This included antibiotics.
Containment’s official and de facto embargoes created a system of Soviet satellite antibiotic plants among Warsaw Pact countries, all of whom satisfied Russia’s needs for antibiotics. Many of the production facilities had been supplied by the United Nations after World War II. Others were copies of those facilities. And while they were able to produce penicillin and streptomycin, the purity of the medicine was subpar. (According to CIA documents at the time, purity topped out at about 60%) The penicillin plants churned out billions of units of questionable antibiotics that were only partially effective at normal dosages. This created an environment conducive to antibiotic resistance.
In the years between World War II and the Korean War, Europe experienced a brutal double-dip post-WWII recession that Washington believed threatened democracy. In response, the Truman administration devised the Marshall Plan (1947-1952) as a way of aiding Western Europe’s economy. Beyond monetary aid, the United States looked to help European countries regain their industrial and agricultural footing by selling them modern equipment and teaching them American agricultural methods.
Toward the tail end of the Marshall Plan, American agricultural experts exported the use of antibiotic growth promoters through its Technical Assistance Program (TAP) to Germany. The technique was pioneered in the United States as part of the “rational” farm, today known as the factory farm. As the Marshall Plan wound down, many of its responsibilities were assumed by the Organization for European Economic Cooperation, or OEEC (Later the Organization for Economic Co-operation and Development, or OECD). They continued the TAP and next added France. Eventually, more countries would join the antibiotic growth promoter movement through the Technical Assistance Program. In 1961, the OEEC/OECD’s responsibilities were assumed by the USAID which continued exporting American agricultural methods. During the early Krushchev years, when he loosened Stalin’s restrictions, the Soviet leader vocally advocated learning from the Americans. One of the first things to be implemented was the use of antibiotics in agriculture.
An inadvertent effect of the OSRD’s collaboration with pharmaceutical companies emerged in the 1950s and 1960s during the so-called Golden Age of Antibiotics emerged with the companies gaining a competitive advantage which they never relinquished. Building on the profits from antibiotic sales and the head start in R&D and production know-how resulted in a strategic divergence between them and most of their competitors. In order to maintain their advantage and profits, companies embarked on aggressive advertising and sales campaigns, pioneered by Pfizer. This led to antibiotics being prescribed at the drop of a dime. Eventually, the companies grew into the behemoths that comprise much of Big Pharma today. It allowed them to invest more in fields other than antibiotics. Eventually, they discovered that medicine geared towards treating chronic diseases was more profitable. As a result, they divested their money from antibiotic R&D just when resistance was surging around the world. The number of effective antibiotics available today are dwindling and the state of antibiotic resistance worsening.
This is the story of how the politicization of science - in this case, antibiotic drugs - accelerated the process of antibiotic resistance. While by no means the cause - the phenomena occurs naturally among prokaryotes - the Cold War played a critical role in putting the oft cited conditions in place that led to resistance: use in factory farms, overprescription, and the non-existent antibiotic pipeline. While some strands of the story have been told in various books, journal articles, and academic symposia, Cold War Resistance is the first book to synthesize them into a single coherent narrative.
Cold War Resistance
Here’s an excerpt from the book: https://scientificinquirer.com/2020/10/19/the-haves-and-the-have-nots-medical-nationalism-antibiotics-and-cold-wa
And a link to the CWR website: https://coldwarresistance.wordpress.com
And here’s some of that proof: https://twitter.com/marclandas/status/1366515339497009153?s=21
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2021.03.01 22:29 Lolivo08 Qual a ave mais azul que a arara-azul?
2021.03.01 22:29 hanlym24 Help
2021.03.01 22:29 moonski Want proof of fuckery?
About 1 to 5seconds today an algo dumped a huge sell order that shot gme to 119. Someone wanted it to close below 120, and wanted to have it there unorganically.
Yahoo, TD, MW, etrade, etc all had different closing values. Some said 119.47. Some 119.4. Some 120.4
Eventually it got settled to 120.40, as we all know, but it wasn’t for the lack to manipulation. GME is a crash course in manipulations you see it happen before your eyes, other stocks you just accept whatever figure is there as you likely aren’t glued to the ticker at close...
Someone is panicking if they are resorting to tactics like that.
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2021.03.01 22:29 minimalmilktea If your game is freezing while winning as Sheriff TT on D11
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2021.03.01 22:29 Babiknows SadMan
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2021.03.01 22:29 ThisGuy13211 Traditional Japanese
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2021.03.01 22:29 DiceQuail Intellect Keyword
Currently working on a space themed set and have a Grey Alien inspired creatures that I've given a keyword ability called Intellect. Intellect allows you to shuffle an exiled card you control into your library and Scry 2. I want to word it so that even if the player doesn't have any exiled cards they can still Scry 2 how would I word it then? Also would an effect that returns exiled cards to the library be problematic in the long run? The whole set is based around manipulating your exiled cards and exiling your own cards.
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2021.03.01 22:29 MrMagicFTW Forearm workout recommendations?
2021.03.01 22:29 VAdogdude Guys hang out on the river
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2021.03.01 22:29 JohnMortonFinney The rule of 4s: One strategy for borrowing against your bitcoin
There has been some more talk recently about borrowing against your bitcoin instead of selling it when you need cash. The two most predominant narratives regarding that idea are 1. It's easy, just do it perpetually and keep all of your BTC and never worry about money, and 2. Don't ever do it you will get liquidated and lose everything.
In my opinion both of those narratives are overly simplistic and detract from the basic fact that you, in fact, SHOULD borrow against your assets instead of selling them as a general financial rule of thumb. So here is one simple suggestion on how to approach that seemingly complicated feat with your BTC:
The rule of 4s: Plan in 4 year cycles. Borrow 1/4 the amount you have available to post as collateral. Use 1/4 of that loan to purchase stable coin for additional non-variable and interest-earning collateral.
Assumptions: For this illustration I will be making a few basic and conservative assumptions. 1. You have one BTC and it is worth at least $40,000 when the loan process starts. 2. Bitcoin will increase to $120,000 or higher in 4 years time, then higher than $250,000 in 8 years time, then higher than $400,000 in 12 years time. I believe everyone who holds BTC would consider that a reasonable if not conservative estimate of future price action.
How to do it:
Go to either blockfi, nexo, or Celsius and open an account and complete your KYC requirements. Then fund your account with (in this illustration) 1 BTC. Using the rule of 4s, with BTC worth $40,000 you will borrow $10,000 in cash. Using the rule of 4s you will use 1/4 of the loan to buy a stable coin like USDC. That $2500 will sit in your BF/Nexo/Celsius account and earn 6-8% interest. The purpose of this is to provide a bit of variance-free emergency collateral to your loan while still earning more interest on your cash than you can anywhere else. You will pay around 8% APR on this loan, so you can put aside $3200 of your $10,000 to pay interest for four years. That leaves you with $4300 in cash to use as you please.
At a 70% loan-to-value collateral rate (a common rate,) BTC would need to drop below $12,000 to get liquidated. Your $10,000 loan requires $14,285 in collateral. If BTC dropped all the way from $40,000 to $12,000 you would have $12,000 in BTC in your collateral account and you could dip into your $2500 in USDC to prevent liquidation. You would only get your full BTC liquidated if the price dropped further below $12,000.
In 4 years, when BTC is $120,000 you repeat the process. You borrow 1/4 ($30,000) and pay off your $10,000 loan. That leaves you with $20,000. You use 1/4 of your loan amount to buy more stable coin and put that in your interest bearing account with the original $2500 for a total of $10,000 in stable coin. Put aside $6000 for 4 years of interest. That leaves you with $6500 in cash to do as you please.
At a 70% LTV, you will need to maintain $42,857 in collateral. You have $10,000 in stable coin earning interest in your account, so BTC would have to drop from $120,000 to $32,857 in order for you to get liquidated.
In 4 more years, when BTC is $250,000 you borrow 1/4 ($62,500) and pay off your $30,000 loan. That leaves you with $32,000. Put aside your interest payments ($15,000) and buy some more stable coin ($7000) and that leaves you with $10,000 in cash to use as you please.
At a 70% LTV you will need to maintain $89,285 in collateral. You have $17,000 in stable coin earning interest in your account, so BTC would have to drop from $250,000 to $72,285 in order for you to get liquidated.
Ok, so in 4 more years... 12 years from now... if BTC is worth $400,000 you still have your original BTC. You also have whatever interest, paid in BTC, that you have been earning in your BTC account with the portion of your balance that hasn't been required to be posted as collateral. You also have $17,000 in stable coin plus the interest you've earned on it over the past 12 years. You've paid yourself $16,500 in tax-free cash and the only tax liability you have had in 12 years on this money is the interest paid.
You can toggle all of the percentages according to your risk tolerance and adjust the amounts according to your bankroll, but using the rule of 4s gives you a growing stash of BTC, some tax-free cash, some income from your interest earnings, and a very unlikely liquidation outcome.
This is just one simple example of how to do it. If you want more cash, acquire more BTC before beginning the process or take more risk with your collateral. If you paid the interest on your loan with income instead of with your loan, you would increase your cash amount by $24,000 in this scenario. If you want even more security against liquidation you can borrow a smaller percentage or increase your proportion of stable coin collateral. But hopefully this illustration provides a helpful guide on exactly how it would look using some reasonable estimates and amounts.
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2021.03.01 22:29 resomebody47 Stocks I Still Like
2021.03.01 22:29 AccessUnlucky I've been having an existential crisis for the last 2 hours