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3-6 months salary, then pay down high interest debt as long as it's over the average stock market return. Which, of course I have trouble following myself. I've got quite a bit more than that sitting in my checking account because I feel like if I invest or pay something down, something bad...

$0.93 in a sock sounds like it might hurt.

RNG? I got all of 3 meaningful set drops on my crusader prior to 2.1 and he can handle T3 at an easy pace. I've only played my monk since 2.1 and she was doing T6 bounties just fine last night. I normally do T5 rifts, haven't tried T6 rifts yet, and L25 is my highest grift with ~3m left. Why...

You're right, they are good for exp. Not sure I ever want to specifically farm xp though.

Quite a hamfisted "fix". I'm not really complaining, got my first ever rorg last night. But I don't think this going to make people want to run bounties, not in a balanced way. They'll binge them to get their rorg, then only run them when they need rift keys.

I would recommend using FoF in that build, even though it's the wrong element. I did some DPS tests, you can see my gear in my sig, and FoF killed Ghom faster by ~7s each time. Obviously, more lightning% will favor FoT, but I don't think you can get enough to overcome FoF's proc coefficient...

We make fun of those people too. Remember Mr. $16k computer in the "what I just bought" thread?

The one with the punching works best.

Why are you using shield bash and blessed hammer?

The best way to combat blessed hammer's windup time is to mix in movement. Assign blessed hammer to left click and hold it down. When you want to cast a hammer, hit space or left shift or whatever you have 'force stop' bound to. Then start moving again. Anything that wants to attack you will...

Then it's useful as a fast movement skill because I assume you're killing fast. Good skill either way.

Steed is very useful for getting out of sticky situations, don't think of it as just a fast movement skill.

Obviously slowstang's wifi is keeping the downstairs neighbor up and the loud music is the only way to combat it.

Solo bounties are time inefficient too!

The patch changed very little for crusaders. I've never been a fan of the fire rune for blessed hammer, it just exacerbates the windup time already inherent to the skill. I prefer the holy rune. But if you like the play style, yeah, that will work for a while. It won't be an endgame build...

That's a really time inefficient way to farm though. I mean, if you've got something to do for 5-10 minutes while you let the timer count down, go for it.

I know of that thread, posted in it a few times. I don't remember it ever describing proc coefficients the way you have. The first post certainly doesn't. Can you be more specific as to where they specify that?

I've never heard it described this way. Can you post proof?

RoRG and SoJ are not comparable.

On the contrary, the top monk build doesn't use "spenders", as in TR, WoL, and LTK, because they interrupt other attacks. Everything is geared towards spirit generation and pumping out clones.

I'm slightly confused why I haven't seen more high level monks using that gem. Especially with FoF, it's essentially 4% max life per target, which is a ridiculous amount of healing. Surely that's worth more than whatever your 4th ring primary is.

Not a good way to look at it. You get damage stats if you can. If you have leftover primary affixes, like on chest, shoulder(maybe, spec dependent), legs, boots, belt, and bracers, you get VIT. Got more leftover? Get RA. Then life%, then armor.

SK got moved to Diablo until level 61.

Depends on class and spec and gear. Which is really how it should be. I know for monks, both setups are viable. Monkey King set pushes daibos ahead at the high end.

So...you want more tedium?

Torment setting is irrelevant to grift difficulty. As for when to do them, do them if you have gems that need upgraded levels. Best difficulty? Lowest difficulty that allows you a good chance to upgrade the gems. Even if you're gear is pretty good, you'll upgrade your gems quickly enough...

What's the tin foil supposed to do?

Nothing, save your reroll until you get a gift.

Perhaps you are a pesky outlier. Explain what's bugging you.

I think it's a federal law, or most states, that they have to remove PMI after a certain percent too. It's like 1 or 2 percentage points past 20%. IIRC, your credit score(which your history affects) doesn't affect PMI but your lending rate.

It's the only way to fly.

It does feel different. Tighter isn't really a concern for me. I've felt too tight before, never too loose. But the main proponent of anal, for me is psychological. It's taboo, it's dirty, it's "wrong". If both of you can enjoy anal, anything for that matter, from an enthusiastic woman, it...

How long is an average session of sex? And I'm including the whole "are you horny?" "do you want to fuck?" dance that some couples go through before even getting intimate. For me, and perhaps even moreso for your husband since he has 3 daughters, free time can be quite limited. So, the...

Selecting links while swiping sounds like a bad touchscreen. Are you pressing it hard it enough? The screen determines where you are touching it based on changes in electrical capacitance due to the human body. It's the reason you can't use a touchscreen with normal gloves, they're electrical...

DH is noticeably ahead of the other classes, in both live and end of season 4 ptr. Everyone else is pretty close together. I would still say play what's fun. I don't think any class is gimpy enough to restrict gameplay options, like monks were before this patch.

Classes.

Can you link your bnet profile? Curious how you're specced. I feel like lightning is great for damage, but against higher grifts, you either have to be cold/rimeheart or holy/sunwoko. Booze, what's your criteria for comparison?

I know you haven't had much luck with grift keys, but next time, purposefully tank the trial. And almost tank the ensuing grifts until you have all the gems. They are very high drop rate from the guardians and they won't drop one you don't already have unless another character has it on them...

I think they used to drop a guaranteed rare back when full stack nephalem valor was still around.

It is an android thing, that's what "stock" means in Denamian's post.