I sometimes don ' t like Tandy even though I like him overall , but I really like the rest of the group and can ' t wait each week to find out what happens next . <| sep |> There are places with worse gun laws than California <| sep |> Not at the moment . I ' m too busy saying Fuck , that Deviden really doesn ' t understand basic sentences <| sep |> Exactly . Interest rates are going to go down further . And plastic money will cause more spending unconsciously though . Only safe option is low cost ETFs <| sep |> 10 % fire penetration is a huge damage boost as raresuniques have on average about 30 % fire res . It ' s something like 33 % more damage . Elemental penetration has no penalties on unique mobs like Curses do . Cover in ash is Enemy takes 20 % increased fire damage which is another big damage multiplier on a same item . And again no penalties like Curses . 10 % increased maximum life is worth 2 tree nodes . 10 % str gives even more life . And works well with Iron Will spells or Iron Grip projectile attacks .