Best Binary Options Brokers with Low Minimum Deposit

IQ option review

IQ option review
IQ Option
IQ Option is one of the most popular binary trading platforms for many traders . IQ Option offers binary options traders a regulated environment in order to trade binaries within very flexible trading conditions. The minimum deposit is $10 and the minimum investment amount is $1. This means that IQ option demands the lowest requirements among all the binary brokers in the whole industry; therefore, traders at IQ Option are assured of a fulfilling trading experience, thanks to their no frills proprietary trading platform and coverage of many different types of underlying assets.
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IQ Option Account Verification Process

IQ Option Account Verification Process

IQ Option Account Verification Process

IQ options trading has become the most popular nowadays. The first binary options were introduced by banks in 2008 and then online forex brokers started offering binary options to the public.
IQ Option Trading is a very enormous platform for investing in virtual currencies and IQ Option is widely spreading platform for itself moreover it is producing a large amount of money in a minimum amount of investment.
IQ Option Trading is now offering clients to trade Contracts for Difference (CFDs) on stocks, Cryptocurrencies, Exchange Traded Funds (ETFs), Forex, and a range of various digital options.
As pragmatic currencies are being so popular and beneficial so in consequence that is remarkably boosting trades.
In the upcoming years, this will produce more IQ Option Traders.

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What is the minimum investment in IQ option?

IQ Option allows you to start trading binary options with only $10 and the lowest minimum deposit among various binary options brokers Some other brokers necessitate you to deposit you at least $100, $250 or even higher, depending on account type.
This trading allows opening an account from some different options which are completely based on the choices and requirements of the buyers.
Types of the IQ Option Trading Account:
• Demo Account
• Standard Account
• VIP Account

Opening an IQ Option Account and verification process:

Opening a new IQ Account is very easy, we are here to guiding you how you can start trading.
It is a simple process. For opening an account you have to be of legal age. Before getting started you should make sure that you belong to the eligible country.
IQ Option does not serve in many countries you can find the detailed list of the countries in which IQ option serves on their official website.

Once you complete the eligibility process you can proceed with creating your account with IQ Option. You can register yourself with your own personal emails as well as your company’s email ID if you are an agency.
After completing registration the next step will be verifying your Identity. Usually, traders find this account verification process frustrating and time-consuming, but trust me it worth it.
IQ Option ensures safe endeavour of its traders. This Verification process help IQ Option in knowing that no one else is using your account and the person is an actually a human, not a spammer.
This verification process is for one time, you need to prove your identity once, it will help you by preventing you from getting into any kind of fraud or trap.

Here you are three steps far from opening your trading account:

Step 1. Identity verification:
This first step needs to verify your identity and for this, you must provide one document.
For completing this process you can submit a scanned copy or a photo of your passport, ID card or a Driving License.
If you are using your passport it should be scanned from the front side where your photograph is displayed and if you are using Identity card or driving licence scan them from both front and backside.
Note: Make sure the document you are providing for verification has a clear photo and should not be expired
Step 2. Address verification
To verify your address or residence. You have to provide a scanned copy or with the photo of any of the following documents issued in your name.
This verification needs your name with your address also this can not be older than 6 months, whichever document you will take for address verification must contain an issued company or banks logo on itself.
For confirming your address you can choose followings:
• Statement for a bank account or credit card account
• Bill for utility services( electricity, telephone, water and other)
• Document from the municipality confirming your address with an official stamp
• Tax statement.
Step 3. Bank card verification
To prove your ownership of your bank account documents you must use a card which you use for your transaction. Requirements for providing a card. The card must contain your name.
Note: your card must be scanned from both back and front sides. Your card contains your name and you should obscure the CVV and six digits from the card.
All steps for verification of your Trading Account are easy. This is one of the requirements set by CySEC, IQ Options main regulator. Still, some traders find this process time consuming but this is necessary also, it prevents money laundering.
If you wish to start trading in binary options you must verify IQ Option Trading Account.
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An in-depth review of the "Ghost Mode" gameplay overhaul mod

As I'm sure you can all relate, the 10th Witcher Games Anniversary video brought a lot of feels. And with them came the itch to do yet another playthrough of my favourite video game. This time, to freshen up the experience, I decided to break from my tradition of only installing visual enhancement mods and look into the gameplay overhauls recommended on the sub.
To my surprise in-depth assessments of these mods were nowhere to be found. True you can look up detailed descriptions of what they change, but that won't give you an impression of how the changes work in practice nor an objective look at how they impact the overall experience. Thus the goal of this thread is to help you decide if you would enjoy using "Ghost Mode" for your next playthrough and to serve as a resource for posterity.
Note: the title of this post is no misnomer. This is a long read. If you already have an idea of what the mod is about and are just wondering "if it's any good", then feel free to skip to the TLDR rating section at the bottom.
 

Setup

First thing first, all the changes introduced by the mod remain true to the vanilla feel, flow and story of the game. There is no need to worry that the game you know and love will suddenly be unrecognisable, that you won't know your arse from your elbow. Secondly, I do not plan to rehash the full changelog in this review. Changes from Vanilla will only be mentioned if they are relevant to the point I am making.
Dsiclaimer: this review is written with the above in mind. I do not claim my experience to be completely exhaustive. For example, things which were difficult or annoying for my setup might be trivial for others and vice versa. Your mileage may vary.
 

General Gameplay

The mod has been implemented in a competent way. I did not notice any performance decrease compared to Vanilla and encountered no game breaking bugs. There was only a single major issue in 2.6 which was repeatable and highly annoying, but thankfully it seems to be fully fixed with version 2.7.
Immersion has been improved and the game world is more believable. Some examples:

Quests and Experience

The way the experience penalty works has also been changed. Previously you would get 100% of quest experience if you were at most 5 levels above the quest level, and basically 0% if you were 6 levels above or more. Now for every level you are above a quest the experience reward is reduced by 16%. This also works the other way around, you will receive an experience bonus for doing quests which are higher level than you.
This way you get the best of both worlds. You get to tailor the quest order to your liking, without having to suffer meta-gaming pressure, and at the same time Geralt will not end up overlevelled.
 

Combat

This is usually the number one reason why people recommend this mod and it is clear to see why. The author has implemented a great number of improvements to nearly all of the vanilla systems. Combat is more challenging and rewards players for their skill and preparation better. Geralt's overpowered traits and abilities have been toned down and your specialisation makes a much bigger difference to how you approach fights.
Overall, most battles are more fun with GM compared to vanilla. However this comes at a cost: namely the "realism", feel and flow of combat have all decreased to facilitate the above. Let's examine the 4 main areas where GM changes combat and evaluate them in detail.

Enemy behaviour

The first thing you will probably notice is that "all enemies have a reduced reaction time". The reason I put quotes around that phrase is because I don't know the actual inner workings of the mod and precisely how it has modified the AI scripts. Therefore I am just calling the effect as I saw and experienced it during my playthrough. The easiest way to describe it is: the time frame between you being in range of an enemy and the enemy starting their action is now much lower.
The primary effect of this change is an increase in difficulty. You now have to have faster reflexes in order to be able to dodge enemy attacks. Additionally, enemies will spend significantly less time in a hit recovery state after you land a blow. Which means that you won't be able to chain as many attacks as you could before, since your enemy will dodge/retaliate much more rapidly.
This change really shines when it comes to boss fights. The faster enemy reaction time forces you to play by the boss' rules and pay attention to their mechanics, rather than treating them as a higher health & damage generic enemy. To give a concrete example, let us look at the Olgierd fight at the burning manor.
In Vanilla you can easily beat him on Death March by ignoring the fight's mechanics. You simply position yourself slightly outside of his melee range and start a rend which he walks into. Then you follow this up with a quick dodge to the side to avoid the sand in the eyes and immediately start another rend. The boss gets locked in the above AI loop and you win pretty easily. The reduced reaction time in Ghost Mode counters this perfectly. By the time you are winding up your rend the boss, instead of walking into your sword, starts his own attack which targets where you will be after you swing and hits you before you can deal any damage.
So to beat him I had to actually play by the rules, which means conventional sword swinging is out of the question, especially as you also leave yourself open to a quick counter attack which kills you in 2-3 hits. The rules in this case are: counter his attack, swing once and go on the defensive. There are three different attacks he throws at you:
  • The red charge: when you are far away from him, it is the easiest to counter and the bare minimum required to win. If you can only counter this then you will win, but it will take ages.
  • The phase charge: is when he turns semi transparent and steps side to side. He only does this if your are slightly outside of melee range, so you have much less margin of error on your counter. If you are quick enough you can counter this type of attack with a close to 100% success rate, which means that a better player can defeat him much more rapidly.
  • Finally we have the slash combo, which he does when you are in melee range. This one is also counterable, but the reaction time is so small I didn't feel it was worth the risk. Especially because if you fail it and only parry you will be locked in that stance for a few of his hits which will drain your stamina significantly (and you cannot counter without stamina, but more on this topic later).
So as you can see from the above GM makes you pay attention to the intended mechanics and rewards skilled play.
The change to reaction time also has its downsides however, and they are major ones. Most notably, enemies which have extremely fast attack animations by default become unfair in melee combat. Especially if they are in a group. The best example of this problem are all of the insectoid type enemies like the endregas and the kikimores. Their attack animation is fast and when you pair it with an increased aggression and run speed it means that you literally cannot attack them preemptively. If you start any type of attack (without dodging one of their attacks or parrying first) they will strike you first, even if you were outside of their melee range when you initiated your swing. As you can probably tell fighting groups of these enemies is extremely annoying especially early on. Later you can cheese them by unloading your entire reserve of Dancing Stars & Northern wind bombs for some semblance of crowd control, but even that is like putting a plaster on an amputated leg. What's strange is that looking at past feedback numerous people have complained about these enemies, throughout the mod's life cycle. Yet the author has failed to address the problem, which is that they shouldn't have reduced reaction time in the first place. Such empty difficulty, only for its own sake is never good.
Another downside is that early on you cannot take on groups of certain enemies, like wraiths, nekkers or insectoids for example, without resorting to AI abuse. This probably only applies to the higher difficulties, but when the best way of beating groups in the early game is dragging enemies one by one to the edge of their AI leash it doesn't feel good. No matter how skilled you are in melee combat you cannot defeat such packs head on without numerous deaths, which doesn't make you feel like a witcher at all in those encounters.
Finally, GM also implements monster "dodge" with a much more heavy handed approach compared to Vanilla. All sorts of enemies will now dodge your attacks more frequently. This is yet another example of where combat quality was sacrificed in order to increase combat difficulty. I write "dodge" in quotation marks because normally the word implies that the enemy sees your attack and reacts to it by getting out of the way. This mod makes the enemies which "dodge" the most feel like blatant AI bots with rigid if-then logic in their script, which harms immersion. Some examples:
  • Enemies dodging mid attack, when it makes no sense for them to do so
  • Werewolves dodging while airborne in the middle of their lunge
  • Humans dodging attacks that come from behind them and they cannot see
  • Shrieker glitching into its "on the ground" dodge animation while flying, after being shot with a crossbow
  • Occasionally enemies dodging attacks while burning, sirens dodging when knocked down etc.

Skill Balance changes

A lot of adjustments have been made to the skill tree in order to improve how balanced Geralt is in combat. The changes can mostly be summed up by saying "baseline Geralt was nerfed". What that means in practice is that witchering aspects you do not invest points into will be significantly worse compared to vanilla. For example the signs, crossbow and damage bombs are a lot less useful for my mainly sword focused build. This is a good thing as specialisation encourages more diversity in your playstyle. Here are some examples:
  • Quen no longer always blocks at least 1 attack, regardless of how much damage it's supposed to absorb. Now it's no longer the combat crutch it used to be in Vanilla as it will only absorb the value of the shield and the rest of the damage will go through.
  • Poison and bleed effects are no longer extremely overpowered boss monster killers. Their duration and damage are significantly reduced to the point where 1 poison application is equal to about 2 additional sword attacks. Still good, but now balanced.
  • Crossbow & Bombs now only deal half damage if they were auto aimed. And of course manual aiming during combat is way too slow unless you have invested into the related skills. There seem to be a few minor bugs related to these items. For example manual crossbow shots sometimes don't bring big flyers down despite hitting them successfully. Superior Samum, manually aimed, dealing 5 (yes five) damage on kikimores.
  • In general overpowered skills have been nerfed (rend, whirl, euphoria etc.) while underpowered abilities have been buffed (crippling strikes, undying, counter attack etc.).
Overall the skill tree feels significantly more polished and we now have a lot more viable choices to pick from.

Defensive techniques (dodge, roll, counter, parry)

The way dodging and rolling worked in Vanilla was a simple binary check. Did you press the appropriate button before the attack connected with your character? If yes then avoid all damage, regardless of where your character ended up going (for attacks which can be dodged). And while this was still a big improvement from the second game, the i-frames were way too generous and the moves lacked any stamina cost. Which made it all to easy to just spam the dodge button and be invulnerable. GM changes this behaviour by also taking into account the direction Geralt moves in when dodging/rolling with respect to the enemy attack. Now if you dodge in time but still end up connecting with the attack, depending on the angle, you will take partial damage and debuffs based on what direction you were going in.
Parrying and countering have been significantly enhanced compared to the base game. Essentially now you can parry/counter nearly all attacks, those coming from monsters included. Taking counters as an example, you may counter light attacks just like before - by reducing all incoming damage - but now you retaliate against monsters with a "counter slash". This also applies to heavy attacks (including hammer and spear wielding humans) except that damage is reduced only by 50%. Both parry and counter now have a stamina cost depending on the attack you have deflected. This is a great addition to the game in my opinion. It plays perfectly with the risk and reward scale. Countering carries a greater reward because you spend your time negating the monster attack and dealing damage on your own, instead of just negating as you would with a dodge. However the risk is also greater because you confusing monster light and heavy attacks means you will take significant damage, especially if your build is not prepared for it. Yet another gameplay element where skill is rewarded.

Armour, stamina and different playstyles

Stamina management is now a big part of combat, rather than a mere afterthought with Tawny oil. The base regeneration rate is significantly reduced, all combat actions pause this regeneration for a short while and counter and parry stamina costs are increased. The armour you are wearing now also affects your stamina more than the Vanilla regeneration penalties. Light armour has no penalties and increases stamina regen, medium armour introduces a stamina cost for rolling & sprinting and heavy armour has stamina costs associated with rolling, dodging and sprinting.
Armour now plays a much bigger role in the game thanks to its significantly increased damage absorption capabilities. Plenty of enemies now have high armour values which also makes the armour penetration stat on swords better. To help with this, your heavy attacks now have a significant amount of armour penetration by default. This means that quick attack spam is no longer maximum dps against all enemy types and you will have to mix in heavy attacks much more frequently. Some enemies like golems are so heavily armoured that using quick attacks against them is basically pointless. Similarly, high armour values on your gear now make a big dent in the incoming damage whereas in Vanilla they were useless and the only thing that mattered were the resistances on the gear.
Both of these changes together translate into very distinct melee combat playstyles depending on which Witcher set you are wearing, which is one of the best features of GM for me.
  • Light Armour: the Cat set provides the combat experience which is closest to Vanilla DM, with a few important tweaks. Firstly, because you have very little damage reduction, Quen is practically useless. It won't even fully absorb a light attack from a drowner. This combined with the change to the defensive techniques means that you actually have to be quick on your feet and good at dodging, you can only rely on your own skill. Secondly you can also mix in counters for increased dps once you are familiar with the attack patterns of the enemies. However you still have to dodge heavy attacks due to your lack of defence. This makes the Feline armour playstyle a skillful dance combining counters & dodging which is extremely fun, especially against bosses and small enemy groups.
  • Medium Armour: the Wolf set is a bit of a jack of all trades, master of none. It has less damage compared to the Cat but more defensive stats and armour. This essentially means that your playstyle is similar to the Cat but you reduce some of the risk and settle for a lesser reward. You still can't afford to counter heavy attacks, but at the same time the stamina penalties for sprinting and rolling are mostly irrelevant as the latter is only necessary to get out of the way of enemy AoE attacks. As a result you will be safer against large groups compared to the cat but will have to settle for reduced offensive capabilities.
  • Heavy Armour: the Bear set in GM presents a markedly different combat experience compared to vanilla. The quickest way to describe it is as an "immovable object". The stamina cost for dodging means that you will spend all of your time holding your ground and countering ALL enemy attacks (apart from AoE). The high armour value and damage resists mean that you can shrug off heavy attacks with ease. Combine this with talents that use adrenaline to heal you and an Ekkimara decoction to create a true tank build. However, due to the slow stamina regeneration signs are pretty much out of the question because every sign costs 10+ counter attacks leading to a big dps loss. This playstyle is extremely fun against groups of enemies because it allows you to combine defense with offense and simultaneously negate enemy damage. It also has its weaknesses - namely big enemies and bosses who make heavy use of area effect attacks, such as Griffins and Imlerith for example. Overall I didn't spend much time testing this playstyle in my run, but I found it very satisfying and fun. Definitely keen on using it for a complete playthrough in the future.
 
Another highlight of the GM combat enhancements are the 1v1 fist fights (seriously). They are much more challenging, fun and skill intensive due to the reworked stamina system. In Vanilla these were pretty formulaic - keep your distance from the opponent so that they only lunge with a heavy attack, which is easier to counter compared to the fast jabs. Counter it, throw a one-two and then rinse and repeat. In Ghost Mode you no longer have the stamina to consecutively counter all attacks and must spend some time in between counters to recover, which introduces a great deal of tension and makes the fights more skillful. Remember, dodging pauses your stamina regeneration so you don't have an easy way around this. Especially as many arenas are quite small which make this process challenging. Furthermore blocking jabs costs significantly less stamina, so if you're confident in countering the opponent's fast attacks you have a great opportunity to skill display. In addition group fist fights are a lot easier compared to Vanilla, because the opponents aren't health sponges. This is another great change in my book as those were pretty tedious and the fist fight system doesn't really work great for group combat.
 
Finally, to finish off this section, I would like to spend some time looking at enemy balance in the Blood & Wine expansion. There were several problems with it in my opinion, which overall decrease the quality of the experience.
  • Giant centipedes deal too much damage. Yes they are generally easy to avoid, however them one shotting a character in master crafted Feline Gear + Quen + Superior Insect Oil + Protective Coating + 600 hp green mutagen at full life seems excessive. I'd suggest a 30% damage nerf. For comparison, level appropriate Giant Centipedes hit harder than red skull cyclopses and werewolves.
  • High concentration of monsters which work badly with the reduced reaction times due to their instant attacks.
  • Arachnomorph damage seems to be balanced against them hitting you once when most of the time they double tap you, which enables 1 small spider to pretty much instantly kill you from full life if you make a mistake. Damage should be reduced by at least 40%.
  • The two Guardian Panthers in the Professor Moreau quest are extremely overtuned for when you face them and, as a consequence, require extremely cheesy strategies to beat.
  • Alps are probably the hardest enemies in the whole game. Thankfully you only have to fight them twice. The first one's alone and she's manageable, but the second involves you getting tag-teamed by a Bruxa as well and that one is quite painful. It's a good thing Dettlaff can mind control other "lesser" vampires, because otherwise one of those ginger vamps would easily wipe the floor with both him & Regis at the same time.
 

Items and crafting

  • Witcher set bonuses now scale with the number of pieces equipped rather than being binary. Bonuses also apply from the lowest set tier and not just Grandmaster level. This is a good change in my book as they diversify your combat style from an earlier stage of the game. Set swords are no longer the best weapons for their level requirement, so exploring the world and doing contracts for relics feels much more rewarding.
  • The weapon & armour upgrade kits, sold by master craftsmen, are a great addition to the game. They allow you to increase the base damage/armour of your equipment by increasing its level requirement by 1 (i.e. the Aerondight effect). This enables you to make use of those special relic swords like: Hjalmar's Steel Sword, Pang of Conscience, Blade of the Bits, Winter's Blade etc. from the moment you obtain them to as long as you wish. This means that you must only pick a weapon based on if its secondary stats have synergy with your build, and this opens up a lot of choices and min-maxing.
  • Speaking of special relic swords, these now have significantly improved secondary stats which makes them stand out from the generic random relics. Depending on your build you will probably end up using one of these for most of your playthrough. It feels great to get a "special" sword reward for a quest which is actually useful and not vendor fodder like in Vanilla.
  • Equipment crafting now requires significantly less materials, so you are no longer forced to dismantle an entire army's worth of arsenal to craft something. Unfortunately the craftsmen will now rip you off much harder, comparatively to Vanilla, with their fees. So if you want to unlock all the levels of the Runewright and deck out Corvo Bianco in the various Witcher sets you will still have to pick up and vendor massive amounts of loot.
  • Crafting costs of random weapons in the early game, before you can access sets and contract relics, are prohibitively expensive.
  • White Gull isn't so difficult to produce anymore as it doesn't require Redanian Herbal and you can craft the Mandrake Cordial yourself, white honey now comes with more charges - both are nice QoL changes.
  • Potions and bombs require significantly less ingredients, so theoretically you would need to spend less time picking flowers. However considering that you could buy most of these cheaply from herbalists in the vanilla game (and still can) this change is more or less irrelevant in practice.
Cooking recipes are a good addition to the immersion in my experience. A witcher on the path should be able to cook himself a meal while squatting in some untamed wilderness. Unfortunately, in practice I did not use these recipes at all after leaving White Orchard. There are a few problems with the current implementation:
  • Food & drink healing is not balanced according to the amount of ingredients required to produce. For example, right at the start of the game you can learn how to make apple juice which is in the top tier of drink healing and costs next to nothing to make, in contrast with other much more expensive drink recipes which very often heal for less. Food recipes require way too many ingredients (the vast majority of which must be bought) and offer sub par healing in comparison.
  • Human enemies in Velen and onwards drop way too much food, often between 2-3 pieces each. Why should I waste money buying ingredients and cooking when I could obtain something nearly as good for free?
  • Coking recipes are too expensive for what they offer. They could use a 50% coin cost reduction across the board. Food recipes should require less ingredients. There should be more distinct healing "tiers" for different food & drink, less total recipes and bandits should drop less grub to incentivise people to interact with the system.
 

Nitpicking

  • Enemies focusing more on NPCs during combat (if present) makes certain escort quests significantly more annoying on Death March: namely the Black Pearl and the Skellige mine clearing duo. Those NPCs could use a buff to their survivability.
  • All wolves/dogs & boars are significantly weaker compared to the vanilla game. Probably a design decision, but it feels out of place since all other enemies are harder. Wolves in the Land of a Thousand Fables do have level appropriate stats unlike all their siblings for some reason.
  • Kinks to the extra books/notes feature: fist fight quests keep giving you the same note after a brawl for every brawl, many texts are given out at weird times. For example, right at the beginning of some action sequence.
  • Early game bosses and contract monsters (level req < 15) could use a modest health reduction to prevent boredom. Later on the only enemy that felt too "health spongy" was Iris' nightmare. Those Olgierds could use a health reduction because at the moment the fight is quite repetitive, lacks the atmosphere of the burning manor fight and so becomes a bit tedious.
  • The base Yrden duration is too short and makes fighting Wraith bosses extremely tedious early on, until you get Enhanced or preferably Superior Moon Dust.
  • Superior Cursed Oil now requires berserker skin which is not obtainable in Skellige if you investigate the massacre with Ceris. Previously there was a bug where berserkers spawned near Kaer Morhen, but this seems to be fixed in the newest version. The only place I found berserker skin in the whole game was in the Borsodi vault (?), dropped by one of his guardsmen (??). Either put a copy of the ingredient somewhere in the Vildkaarls' village, or change it to some other more lore appropriate place. The current location makes no sense.
  • The inventory weight system is at best a sidegrade to Vanilla. Yes, it is unrealistic that Geralt is able to hold all these weightless ingredients in Roach's saddlebags. So this mod now gives them weight and forces you to regularly deposit all your ingredients in the stash. Then to access them more conveniently every time you are at an appropriate vendor (alchemist/blacksmith/armourer) Geralt is able to telepathically access said stash to obtain the ingredients. To me it seems like one unrealistic element was simply replaced with a different one equally as unrealistic, so what's the point?
    • In all fairness you can reduce the weight of all items from the mod options, but that slider leads to even more immersion problems. Because if you wish to compensate for the weight on all the ingredients you have to turn up the slider so much that all the swords and armour now weigh practically nothing as well. A better solution would be keeping the weight slider and adding a check box for "Zero ingredient weight", or just using the vanilla weight system because the current implementation isn't a clear improvement.
  • I find the name of the mod to be a bit unfortunate, since it has nothing to do with any of the content. Makes you wonder if it's one of the reasons why it is not more popular.
  • Grapeshot seems to deal insignificant damage to higher level enemies. Superior version of it hits arachas for 5 damage with an aimed shot for example. Even without bomb talents it shouldn't be this weak.
  • Aerondight has lost a great deal of its unique flavour (all items can now be upgraded) and the nerf to its secondary stats was too great. Before it would give 10% attack power per stack, up to 10 stacks, now this has been reduced to 5% crit damage. For comparison, random relic swords can spawn with 60%+ critical damage and have 4 other secondary stats as well. Not to mention free sockets, which cost ~8000 gold for Aerondight. Finally, while the bonus at maximum stacks is still great it's now harder to maintain due to the decreased enemy reaction time, is basically non-existent against all the instant attack foes (and for heavy armour builds) and has overlap with several consumables (thunderbolt potion & oils now give crit chance) and talents which reduces its effectiveness even further. Overall the sword feels underwhelming and not worth using.
  • Olgierd's sabre, Iris, no longer gains charges when enemies block your attacks and doesn't buff the damage of the fast attacks. To compensate it now deals 10% of target's maximum life in addition to the other bonus damage when charged. I was very excited to use this sword with the new item upgrade kits and was left moderately disappointed. The life loss penalty is still too big and basically forces you into using Katakan decoction which doesn't feel great. Furthermore, to charge the sword you must deliver 3 successful fast attacks in succession. Against armoured enemies this feels horrible as you're effectively whacking them with a wet noodle until you can charge the finisher. In addition, humans are much more likely to dodge your attacks compared to before causing you to often whiff on the charged strong attack while still paying the health cost. Overall the sword is still worth using and feels satisfying with the Severance runeword, however I would like to see some quality of life change: for example halving the health penalty.
  • This mod breaks the following achievements: equipping a full witcher set (Armed and Dangerous), equipping all the grandmaster set pieces (Dressed to Kill), equipping Aerondight (Embodiment of the Five Virtues). Tested on GoG. Probably irrelevant for 99% of people, but worth mentioning.
  • The Undvik set has less armour than the basic Feline set, despite having a higher level requirement and being heavy armour.
  • Superior Full Moon heal, based on current toxicity, either does not work or heals a minuscule amount.
  • Kill count bestiary section feels a bit too arcade-y and gimmicky for my tastes. Would prefer it hidden at the bottom of the list and collapsed by default or, better yet, an optional toggle in the mod options if possible.
 

Scoring (TLDR)

I will now attempt to rate this mod based on an arbitrary scale I just made up. A score of 5/10 means that overall the mod neither improves nor deteriorates the experience when compared to the original game. A higher score than that is good, lower is bad.
  • -1 for the fast reaction times on enemies with instantaneous attack animations (and the fact that this hasn't been fixed for so long) and the balancing issues of Blood & Wine.
  • -0.5 for the overall lowered quality of the combat experience: namely its feel, flow & realism.
  • -0.5 for all the points listed in the Nitpick section.
  • -0.5 for the experience penalty system which promotes meta-gaming and for the subpar support of the NG+ mode
Overall: 7.5/10. Despite the occasional hiccups I thoroughly enjoyed my playthrough with Ghost Mode. I found the mod to be an overall improvement to the base game and definitely recommend it.
 

Never Asked Questions

Q: What difficulty should I play on?
A:
  • You are looking for a similar challenge to vanilla Death March or early game B&BB, to see if you like the other gameplay changes? Story & Sword. If you don't care about the combat then I would suggest that you also reduce monster damage from the mod options.
  • You played on Death March from level 1 and found it too easy? Blood and Broken Bones.
  • You played on Death March from level 1 with self-imposed limitations such as: no Quen, not using set swords, deliberately skipping some of the best talents and found it too easy? Death March.
 
Q: What build did you use?
A: Combat/Alchemy - GM Death March
I went for delusion & poisoned blades first. Muscle memory & strength training second, then back to alchemy for protective coating, afterwards filled out the combat tree. Undying was only equipped once the first B&W skill slot was unlocked and I could move an alchemy skill there, on lower difficulty levels I would replace it with Razor Focus. Delusion is optional. I pick it mostly for RP reasons although the extra stamina regen is nice, especially early on. If you don't want to use it then replace it with the Synergy skill from the alchemy tree.
 
Q: Any other interesting stats/tidbits from your run?
A:
  • Hardest 1v1 fight: werewolf outside of the Whispering Hillock, ~10 deaths.
  • Other boss fights with number of deaths in parenthesis: WO Griffin (1), Imlerith (2), Toad Prince (0), Olgierd (3), Caretaker (1), Olgierds (2), Caranthir (0), Eredin (1), Dettlaff (0)
  • Hardest group fight: arachas cave south west of Harviken on Faroe, 8 deaths.
  • Found the "Tor Zirael" sword for the first time ever in 4 playthroughs, not sure if finally lucky or spawn chance increased in the mod. Unfortunately, stats wise it's still rubbish.
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[Table] Reddit, IAMA statistician that's been dealing with credit for 12 years, I noticed that a lot of people have misconceptions about credit and credit score. AMA

Verified? (This bot cannot verify AMAs just yet)
Date: 2012-07-18
Link to submission (Has self-text)
Link to my post
Questions Answers
Why is the formula for calculating credit scores so secret? Considering the profound effects that number has on your life, people should at least know how it works. There are multiple reasons.
First the creators and banks are worried that you will game the system if you know the formula.
Next the more cynical answer is that the credit scoring industry generates hundreds of millions of dollars per year in revenue. By keeping them proprietary, the creators can keep charging and claiming that their score is the best.
Every man has his price and some people would be willing to pay a lot of money for such knowledge. How much of a bribe would it take to get detailed information about your scoring models? I haven't created in a decade. Even then it would be hundreds of lines of code.
It seems to me like there are two camps: those who don't understand credit/credit scores at all and dig holes for themselves they can't get out of, and those who obsess about their credit score when it probably doesn't matter. The former is probably pretty self-explanatory. About the second: am I wrong in thinking that your score probably doesn't matter much unless you're trying to get a car loan or a mortgage? Following up on that: Are there things people should consider doing that they're currently too scared to do because it might hurt their score, like opening up new credit cards for points/rewards and then closing them as soon as they can cash in their rewards? That activity would hurt your score, but if you don't need a high score and you act responsibly about those cards, that's basically free money. Right? What are some other tips/tricks? I think your score doesn't matter much if it is above 700 or generally considered good depending on the model and scale. For everyone else it has ramifications from auto insurance rates to just get by in life. There are many best practices to building credit that people don't do that they should. #1 is getting a no annual fee credit card. These things are free and they build credit. In many cases, they will even pay you to use them (cash back or miles). I suggest having 3-5 credit cards. Apply for them over 2-4 years. Never carry a balance. Never buy what you can't afford. If you do just this, your credit score will be in the good category in 2-3 years.
How do you model the "winner's curse" problem where you know you're competing with other credit suppliers, and you only win business when you've offered better terms than your rivals saw fit to? Adverse selection and positive selection are very real parts of the business. Many issuers will test the same product with different pricing to measure the effects rates and fees.
Along the same lines, if there was some hit on someone's credit that you knew didn't affect the payment probability but that did affect the customer's ability to get credit elsewhere, would you use it to charge him a higher rate? Ten year ago when I was at an issuer, we wouldn't do this. Few banks are predatory when it comes to pricing. Credit scores account for most of the risk and you would have to prove that the data is non-discriminating to regulators for the rest. It's just not worth it.
Do you prefer customers who generate lots of late fees but ultimately pay over ones who pay promptly? Fees generate lots of revenues. This question is a matter of strategy for the bank. Amex for example wants people who pay on time with no risk. Other banks may serve the middle market that take the fees into account when going after the market. You usually pick one or the other.
Do you pay any attention to people who try to game the cards, like when I only use my Chase Freedom card for whatever's in the 5% categories this quarter, or when people used to buy dollar coins from the Mint? For most issuers, this is a known cost of business. Some customers simply cost banks money either in the form of default or usage pattern.
What do you feel is the primary misconception about credit scores that you'd like to clear up? The biggest misconception is that there is only one credit score. I see this one all over the Internet and Reddit.
Each consumer has dozens of credit scores. You will never be able to see them all since many are not sold to consumers. This is further exacerbated by the fact that there are three bureaus which means that each score has three variants.
It is up to the bank to decide which credit score they want to use based on the price and how well the score predicts risk. Banks often don't want to talk about which score they use because it is a key determine of their losses and therefore a very competitive piece of information.
FICO tries to position themselves as the only score that matters. But it is really up to the banks. With that said, FICO is the most common score in mortgages cause Freddie and Fannie required a common risk score. FICO was the defacto score due to circumstances 20 years ago. But in every other industry, it is totally up to the bank to decided which score is best for them. Vantage is the next largest competitor. Here are their adoption numbers as validation: Link to vantagescore.com
What are the most common misconceptions about the credit industry? I think the second most common is that pulling your own credit score will hurt your score. The first was answered above.
There are two types of credit inquiries (aka credit pulls). A soft inquiry is what happens when you check your own credit. This is also what happens when you are pre-screened without your knowledge. These types of inquiries do not hurt your credit score.
The second type of credit inquiry is a hard inquiry. These are credit checks when you apply for credit.
Because both are called inquiries, many consumers believe that any inquiry will hurt their score. This is simply not true.
I'm 18 about to turn 19 and I live in my parents, next month I start school (local community college/ freshman) I have a part time job and average about 150-250$ a week. The only payments I have are my iphone which is 90/month and my insurance which is 100/month. What advice would you give to me regarding building a maintaining a GOOD credit score? Find a student credit card (they have lower requirements). Use it for gas or groceries. Never carry a balance. Never use more than 30% of the credit limit. In a year, your score will be higher. Get one more card (more cards will open up), keep the old one open. Follow the same process. Stop at 3 or 4 cards. In 3 years, your score will be in the 700s, you won't have paid a penny in interest.
Can you recommend any student credit cards? I think most of the big issuers have decent products. Check out Capital One Journey. In full disclosure we have a business relationship with them but they seem to be doing the right things in my eye.
I have a guy that I work with who had his mother open up credit for him when he was very very young, like prepubesent, or so he says. He finally came to age where is figured out how money works and ended up getting credit cards with 10K plus limits. He ended up raping his credit and joined the Air Force because of that. Is doing that sort of thing, getting credit as a kid, feasable? Or was he just lieing? Also, when I got my first credit card years ago, I pulled my FICO and it was like 700. That was extremely misleading to me. They should start credit in the middle, like 500/450, and go up and down from there... Also, I had perfect credit for 3 years, and bought a new car with 0.9% financing and they said they fought tooth and nail for me to get it. Should I hug them? Or did they lie? Twenty years ago it was all about score. Today most of the issuers use score and a host of custom data points and models. For example they might give you an adjustment if you have a mortgage in a declining real estate market. Scores matter but they are just a part of the decisioning process for any sophisticated credit card company. Generally credit starts at 600 for people with no history. It goes up or down based on what you do from there.
I'm a Credit Karma user and I love your service...it's helped me maintain a pretty high credit score over the past couple of years and given me a better understanding of how things like credit card utilization work. So here's a question for you...my credit is in the high 700's (775). Is there any real benefit to me to have a score much higher than that? If I'm say, shopping for a mortgage will the rate I'm offered differ significantly if my credit score is 800 instead of 775? Only bragging rights. Otherwise there is no real benefit.
What's the best way to check my credit score? The best way to check your credit report is AnnualCreditReport.com. Self promoting here but I think the best way to check your credit score is CreditKarma.com.
Just checked my score on creditkarma and I'm at 788. What I found odd was my credit card utilization score. I have $30,000 in limits. $90 in debts (actually paid that off today). Utilization of 0% and a grade of C. Why such the low grade? Simply because I have high limits and don't ever carry a balance? The grade we create by correlation. The rounding brings you to zero utilization which correlates with lower credit scores. If your score is 788, you have nothing to worry about. We have been wanting to address this corner case for a while.
When should you check your credit score? I know it's free once a year, but when is the best time to pull it? I've never checked me credit score, and I know it's not very good but I'm curious to see how bad it actually is. My fear is that if I pull it now, I might need it again sometime before that year is up. Should I wait until I know I need it, or is ok to check it now out of curiosity? If you check your report once per quarter, you should be fine. Check out CreditKarma if you are interested in check your score for free. (Shameless Plug)
Do people really give you their birthday and SSN that easily? When we first launched, no. But today we have been around for 5 years and have over 7 million users. That helps us get over the credibility hump.
Is it actually free or are you going to slam me with hidden fees when I don't expect it? Best answered by others.
I'm 23 years old, make 35K a year, and have never been able to open up a line of credit; I've been denied by USAA, Chase, even Target. Is secured credit my only option? Any suggestions as to where I would have a good chance at opening up an unsecured line of credit? If you have no serious derogs you might try Capital One. They cater to people with limited credit. If you credit is very bad due to delinquencies or charge off then yes secured is your best option.
Please note there is a difference between no credit and bad credit.
I have no credit whatsoever, would I still have a shot with Capital One? No credit yes. Bad credit maybe. It is important to note that there are differences between the two.
A request for your Website's Credit Simulator: Simulate the result of closing a card that is not the oldest, letting the user input the card's age and the amount of credit that will be removed. We have a number of simulator initiatives. They can be painful. Please bear with us.
A specific question related to the above: A year ago I obtained a new card with a very small ($1,000, compared to up to $35,000 on my other cards, the oldest from the mid-1990s) line without thinking about how this would affect the average age of my cards. Should I close the card, which I don't need, even if this means that my available credit would decrease slightly? As for closing your account, don't do it if there is no annual fee. Low limits don't hurt your score but short histories do. Just cut up the card and check on it once per quarter.
Is there any harm to having too many cards or too much available credit? I have a few cards with $1-2k limits that I'll never use again, but I haven't closed them because they're older than my current cash back cards. Rarely. If you have 20+ cards, it might be too many. But here is a chart you might find interesting. Link to www.creditkarma.com
Could you guys add to that infographic the population ratio between each of the five sectors to give a general idea of how how many people succeed in getting those higher scores? We have this image on our site. Link to ne.edgecastcdn.net
Thanks, is that chart derived from the same sample as the other one or is it a different group? Same criteria different time periods.
If you have a negative hit on your credit score by a collector how hard is it to remove it? The issue here isn't paying the fee but the detrimental effect on your credit score. If the collections inquiry is factual, it is fairly difficult to remove. Many people don't know that you can negotiate with the collections company. Google "pay for deletion" agreement. In that approach, the collections company agrees to remove the inquiry in exchange for you paying the debt. You can use it as leverage but it is not standard so get it in writing before you pay.
Thank you so damn much for this! My pleasure. Credit and Street Fighter are two of the things I'm good at.
How likely are they to agree to this? Sometimes I wonder if the goal of the credit agency is to collect money or to actually mess with people. Credit agencies don't collect money. They just report. Collections companies are different.
Collections companies buy you debt for pennies on the dollar. They want to collect something but they don't expect all of it. As a matter of fact the only expect a percent of their percent so just negotiate with them. They will gladly take something over nothing.
What is a perfect credit score and is it possible to hit it? My dad has had a credit card since they came out, more or less, and has never missed a payment. It depends on the model and the range. It is very difficult to have a perfect FICO score (850). In fact, I don't recall ever seeing one.
With Vantage it is much easier, I have seen many (maybe ~5% of users) have perfect Vantage scores (990).
Does having a credit card and not using it ever negatively impact your credit rating? No, the only risk you run is the issuer closing your account. I suggest charging a tank of gas once per month to avoid the pitfall.
I'm more interested in how you got in your line of work. How did you get to work for a credit card industry as a statistician? I had a math and econ degree. I was good with numbers and just ended up at a credit card company by happenstance. There is no formal training needed. Analysts are always in high demand. Learn SQL and SAS if you want a leg up on everyone.
How much experience did you have with statistical analysis, SAS, and SQL before you got your first job in the field? SAS - None SQL - None Stat - I have several grad level econometrics and stats classed but no real world experience.
I'm signed up with you and creditsesame. Right now your estimates differ by over 100 points. How do your methods differ, and what do you think of your competition? They use a different bureau so that is going to be a factor. Next they use a different model which will be another factor. More than anything the score matters. For example, my TransRisk score is 781 but my Vantage score is 990. Keep in mind both are the same credit bureau but this is a key illustration of why range and context matters.
We see our competitors as validation of the model. May the best product win.
I'm recently engaged and have a 700+ credit score. My fiancée made some bad decisions in her younger years and has a really bad score. She had debt collectors in the past and has been declined for a credit card and pretty much only uses cash now. She's debt free now an plans on staying that way. Any future pitflalls I should be aware of and what can I do to help rebuild her score? Have her get a secure credit card. Its like a pre-paid but it will start to build her credit. In 3-4 years her credit could be fine and it won't cost you anything to rebuild with the exception of the opportunity cost of the deposit.
What's your advice for somebody without a credit history? For examples, in case I move to the US for professional reasons (and have good credit back "home"). Just start like someone new to credit. Link to www.reddit.com
What probability distribution do credit scores have? They are logarithmic. It becomes increasingly more difficult to get from 750 to 800 than 550 to 600.
Scores are for consumer benefits. The models we build give us a probability. I suspect the industry transformed that probability into a score as no to offend but in the end, the banks translate the scores back in to a default risk. Very silly if you think about it.
Why get a credit card? I am an adult male in my mid thirties and have never had one. I have taken out three loans in my life and paid them off successfully. I have never been in real trouble with landlords or utilities. For the most part, my driving record should be clean as well. Do I still need a credit card, or can I continue to get by without one? Credit cards are virtually free and they are the backbone to your credit. Sure you can get by without credit but that is a more difficult path IMHO.
I'm interested in becoming a statistician. I was wondering if you could tell me how your got started? What was your degree? Is the pay respectable for the amount of education required? Where do statisticians get hired? How is the job security/prospects? I love math and statistics! Answers are peppered throughout the AMA. The career is great if you like data and understand data well.
Is it ever to late to start building credit with a card? No, credit scores can not take the age of a consumer into account as it would be discriminatory. As such, it is never too late or too early to build credit.
How many hard inquiries can you have on your record before it becomes detrimental? I currently only have 1 card opened, and 3 inquiries that have been there for less than 1 year. Credit Score is above 700. It varies by model and your current score. Most things in the credit score world aren't linear. I know that is a shitty answer but we performs lots of transformations and adjustments based on the user. My generalized answer is avoid more than 2 inquiries in any 6 month period unless you are shopping for a home or auto.
It's my understanding that if you have several 'hard' inquires of the same type (mortgage or auto for example) in a limited timeframe(14 days?) that they all count as the 'same' hard inquiry. Is that correct? That is correct. All will show on your report but for the score it will only count as one. The timeframe is dependent on the model.
What is your educational background and certifications. Are you an actuary? I have a degree in economics and mathematics. Mostly you need to know econometric or statistics. I started my career in a credit card risk modeling group and just learned most of the industry specific skills on the job.
What statistical tests and procedures do you use the most often? Expect lots of logistical regression. You will be looking at predictors of default (0,1)
In addition, CHAID and Clustering can often be used.
Many times, Excel and pivot tables are great precursors to modeling data.
I got a credit card when I was 18 with the intention of building up a good credit score so that when I actually needed it, I'd have no issue getting a loan or car or anything of the such. I'm currently 22. Sadly, last Christmas I went out and stupidly purchased more than I could afford. It was the first time I've ever done this. Since then, the balance has been riding on almost maxed, but never over, and never late payments (As I don't have much in terms of money, I can't exactly pay more than minimum each month. I understand this is stupid and I won't pay it off for a long time, but I don't intend on continuing this situation past more than a month from now. But I'm curious how this is affecting my credit, having a balance on it for the last 6 months and not paying it off completely. Is it negatively affecting me since it hasn't been paid off, or is it fine since I haven't went over my balance + I've made the minimum payment? Duration is less a factor as more credit scores are snap shots rather than time series. Try to get it under control ASAP. As long as you don't miss payments the impact should be minimal.
Why can't a creditor estimate the amount of credit to be offered if provided with a credit score? Most credit limits are based on DTI (debt to income) and score. Without the income and the other debts, limits are a shot in the dark. Keep in mind income is not on your credit report.
Still doesn't make sense. I will get a credit limit anyway. How do they decide? If I apply for a credit card and don't like the conditions and the limits and close it immediately, why is my score still affected... Why can't I shop around like in a real market economy? Shopping is fine for home loans and autos. But credit cards generally have rates displayed ahead of time.
When you apply for too many products in a short period of time (specifically credit cards) you are a higher risk person. Think about it this way: "We have a guy that is applying for everything under the sun. We should be very careful with him" that's how the scores work and the statistics back it up.
A friend of mine has been considering bk, chapter 7. If he goes through with it and is smart afterwards, how long could it be before he establishes reputable credit? Usually take 4-7 years. It depends on the product. Cap One may grant a secure card or small line instantly. But Fannie and Freddie won't back a mortgage for several years.
Thanks so much for this IAMA! I just had a quick question. I'm 21 and have never had a credit card nor a loan. I have a lot of money saved up in my bank account so I know I can pay off pretty much any type of card, I just never have gotten around to getting one. What type of credit card do you think would be best for me, and how do you think I can build up a good credit score in as little time as possible? Get a no annual fee card. Capital One really serves this category so look there. Your bank might have a good product as well especially if you have large deposits.
Sounds great to me! also, lets say I wanted to get into the field. I'm currently studying accounting and economics at university. How much of a demand is there for this field, and is the pay good? Yes and Yes. The US is moving to a service industry and these are prime examples.
I rec'd a settlement offer for a loan I had on a car. I was told to do it by some, not to do it by others. If I pay them the total settlement, what will that look like on my credit? To rebuild credit, get a secure credit card. They will re-establish a history for you. Approval is almost assured since it is secured.
Very interesting information. I never checked my FICO score (& didn't know other scores even existed) yet & I'm curious what it might be. Can you at least say the lowest & highest possible values? Does it run 0--1000 or some other range? Does it have gimmicks like getting 200 points for simply existing/signing your name like on the SATs? It depends on the score as they have different ranges. The most common range is 350-850 which is the FICO range but others exist. As such you need to look at your relative score in the range rather than the absolute value.
I'm about to enter college, so is it a good idea to get a credit card and make all purchases on it to build credit? And if I made my payments on time, will that guarantee a good score? Provided I spend conservatively... I focused mostly on econometric in college. Data modelers have always in demand even through the recession.
Also, tell me more about your statistical background. Is it applied or mathematical statistics? As for credit cards and building credit, I have a post somewhere. Maybe I'll edit the post to include the tip.
How much do federal student loans affect one's credit score? It is just like any other loan. The impact depends on the breadth of your credit history. If it is your only loan then it makes up a a majority of your credit. Conversely, if you have 10 open accounts, the impact is greatly diminished.
I have 2 cards that are closed but am still paying them off. And 3 open cards that gave balances as well. My question is, is it better fir me to pay off the closed accounts first? Or the open accounts? I'm gonna do the snowball effect ($500 to one card, and slightly above min on the others). TIA. From a credit score optimizing perspective, it is probably best pay down the open account first since it create "open to buy" or said another way it lowers your credit card utilization. The closed loans don't have available limit so it doesn't help your score. Obviously the other main consideration is the APR on the respective cards.
So I have a secured credit card now because I kept getting declined when applying for credit cards. Does it hurt your credit score by keeping on trying to get a credit card and getting declined? Yes. Don't apply for cards more than once per 6 months. Ideally once per year. You want to apply for cards in your credit range.
I was wondering, I know any bad mark disappears after 7 years, but if I've made s late payment or two, how long does that negatively affect my score? The entire 7 years? The effects generally diminish over time, it is not binary. I suggest get the account current and making sure you pay on time going forward. The impact to you score should be gone in 1-2 years depending on your score and other accounts statuses.
What software do you build your models with? R? R, SPSS, and SAS are probably the most common stats software. The credit card industry tends to use SAS so if you can build a competence in that you will be like the Java developer in Silicon Valley.
Cancelling a credit card: bad for your credit or not? Not missing payments, good history, just wanna cancel and have one less card in your life type of thing. (Assuming you have others) Usually bad. Credit is all about the predictors. If you have a card and it stays open for a long time, it suggests to other lenders that you are very responsible.
So I suggest, cutting up the card. Keep it open and check that no one uses it online every quarter.
I am a statistics undergrad, particularly interested in econometrics, which is seemingly tangentially related to what do you. What advice could you give to a young statistician on what to focus on, what are the new things that will be more relevant in the years to come? "Big Data" is all the rage in Silicon Valley. That means good data miners are going to be in high demand. Learn SQL, SAS, and a scripting language if you want job security with lots of upside.
I missed your open house today. When will you have another event? It was fun. Probably too much fun. I am sure there will be other launch parties in our future.
Wait, always pay it off in full? I was always told to leave a balance on it so that they know you're able to handle that. Have I been lied to? You have.
Last updated: 2012-07-20 12:09 UTC | Next update: 2012-07-20 13:09 UTC
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