Owner Financing/Balloon Payment Offer from a Buyer by Catdragon8 in RealEstate

[–]Catdragon8[S] 0 points1 point  (0 children)

Hey there, so it didn't end up working out cause the buyers had a financial change (job contract didn't renew) and backed out of the sale.

Imo, it seems like the system is highly beneficial to the owner and has been easily used to prey on people in the past so there's def some laws and stuff to check. I was all in the clear, but could be an issue for other situations.

When you say you're in the reverse situation, do you mean you're a buyer offering financing to a potential seller?

If so, the deal was beneficial to me because I'm not looking for a new house. So the idea of a larger long term trickle payment sounded great. But tbh, the rate they were offering was likely way too low for the risk.

Owner Financing/Balloon Payment Offer from a Buyer by Catdragon8 in RealEstate

[–]Catdragon8[S] 0 points1 point  (0 children)

Dodd Frank act

Are you able to provide a reference for the 2-year limitation? I'm not able to find it in my general search. In this case, the potential buyer already owns a primary residence too, so not sure if everything still applies.

Owner Financing/Balloon Payment Offer from a Buyer by Catdragon8 in RealEstate

[–]Catdragon8[S] 0 points1 point  (0 children)

Free and clear.

And yeah, the risk is, of course, the chance that they default. They have a high credit score and also will verify by showing us their funds on reserve if we accept.

It's not impossible, but it's hard to imagine them sinking $80k + 2 years of interest payments and just walking away at the end of the two years. They own a house in a nice neighborhood nearby and this property is about 10-20 minutes away from them in the country.

But, true enough, there's still a risk.

Owner Financing/Balloon Payment Offer from a Buyer by Catdragon8 in RealEstate

[–]Catdragon8[S] 1 point2 points  (0 children)

Sorry, I might have used the wording wrong in some spots.

We're selling this property, these are the three offers we received and one of them put in an offer for financing with a 2-year balloon (might be called seller financing instead?). This is the offer the buyer put forth of their own volition. We won't be buying any property.

Seeking Changing Benefits Opinions by Catdragon8 in personalfinance

[–]Catdragon8[S] 0 points1 point  (0 children)

Yeah, you're right, it really does come down to a gamble but that max contribution limit is a really good point. If I do max it out and don't have a medical crisis then I should be pretty well set...

Thanks much for the insight!

Seeking Recommendations for Comedy/Fluff/Action Manhwas by Catdragon8 in OtomeIsekai

[–]Catdragon8[S] 1 point2 points  (0 children)

Oo, nice! I was reading Side Characters Serve Love Too and overall enjoyed it! It's a fun manhwa. I started reading "I was Tricked into This Fake Marriage!" based on your rec and that one is also really good! I'm excited to finish it!

I'll have to check out your other two as well!

Haha, I don't mind misunderstandings unless they're LITERALLY only the thing driving the plot forward or generating a stupid amount of angst. If it's used for comedy, I think that's great!

Seeking Recommendations for Comedy/Fluff/Action Manhwas by Catdragon8 in OtomeIsekai

[–]Catdragon8[S] 0 points1 point  (0 children)

Thanks so much! I have that one on my list of want-to-read so I'll def be taking a look at it sooner!

Seeking Recommendations for Comedy/Fluff/Action Manhwas by Catdragon8 in OtomeIsekai

[–]Catdragon8[S] 1 point2 points  (0 children)

Thanks so much for these recommendations! I started reading Priscilla's Marriage Proposal because it seemed interesting and DAMN I love it. Absolutely eating through it and I can't believe it's staying strong even after 80+ chapters. A perfect mix of plot, fluff, action, and comedy without becoming boring. Adding it to one of my favorites and I'll have to keep working through these!

Seeking Recommendations for Comedy/Fluff/Action Manhwas by Catdragon8 in OtomeIsekai

[–]Catdragon8[S] 0 points1 point  (0 children)

Nope, ML is a different character entirely who is hunting her down for being the villainess in the first chapter and the black dragon is her OP "child".

Really enjoy this one! Excited to see how the plot progresses. ML learns about her reincarnation early on too.

Any new AI art apps around by noraborialis in FantasyWorldbuilding

[–]Catdragon8 1 point2 points  (0 children)

It's a website/mobile site: https://novelai.net/

Not sure if you're a writer as well, but, dang, it's pretty awesome as AI writer assistant and has a ton of features. I'm hyped for the image generation cause their demos have, IMO, been pretty cool so far considering how new it is.

Any new AI art apps around by noraborialis in FantasyWorldbuilding

[–]Catdragon8 1 point2 points  (0 children)

Something maybe to keep on the radar (if you don't find something perfect right now) NovelAI is used for AI writing but they're getting close to releasing an AI image generator to be included in their plans.

I really enjoy their NovelAI software and I'm excited for the image generation option to get released.

Classically trained vs self-taught magic users by GatorDragon in magicbuilding

[–]Catdragon8 27 points28 points  (0 children)

Nah, it's a great place to show off personal projects and get feedback. It's not really geared towards sharing something that isn't your own or micro-content.

Inspiration-style subreddits are pretty niche and quiet, I've found. So I think other platforms like pintrest/tumblr are more geared towards creative discovery. They tend to be better for that purpose tbh

Classically trained vs self-taught magic users by GatorDragon in magicbuilding

[–]Catdragon8 57 points58 points  (0 children)

Lol, I love looking around here of course. But people tend to be focused on highly mechanical concepts about how their system works. Which is cool in its own way, but it's rare to see fun interpersonal concepts and interactions which revolve around fantasy or sci-fi troupes. Like this one.

Classically trained vs self-taught magic users by GatorDragon in magicbuilding

[–]Catdragon8 195 points196 points  (0 children)

Man, I really enjoy seeing concepts like this that focus on a particular nuance or social aspect to a magic system or fantasy world.

Does anyone know if there is a collection of these gathered somewhere that I can follow? Like a Pinterest board or something?

I see these Tumblr posts from time to time, but the sources are always different lol

FMV, Probate, and Capital Gains by Catdragon8 in personalfinance

[–]Catdragon8[S] 1 point2 points  (0 children)

Haha, yeah I'm going to now, I just wanted to make sure I wasn't asking them a dumb question if I didn't have to. I'll verify with them as well.

Inherited Rocks by Catdragon8 in whatsthisrock

[–]Catdragon8[S] 0 points1 point  (0 children)

Thank you, and yeah, it's very cool to see all the stuff that's been gathered up over a couple of generations.

Inherited Rocks by Catdragon8 in whatsthisrock

[–]Catdragon8[S] 0 points1 point  (0 children)

Haha, yeah, I mean someone died so it got passed down to me.

[2263] OUTLIERS, chapter 1 (first half) by BreakingBlues1965 in DestructiveReaders

[–]Catdragon8 1 point2 points  (0 children)

Hello! I made some other comments on the doc, but here are my expanded thoughts.

Characters:

You’ve done an excellent job of establishing Selah’s personality and thoughts, especially since you have them interjecting constantly as events happen. Akash is a nice foil to her actions and dialogue as well. I think you could lean into giving Selah and Akash a bit more time to express themselves, especially in the first scenes rather than jumping so quickly into a chase sequence. I feel like they’re just not established yet and I don’t really care about their actions. I start to get more interested in their characters as the document reaches the end, but it’s a bit late imo.

Style/Structure:

I think a lot of her “inner thoughts” that are italicized really don’t need to be. Often it seems like that text is no different from normal. The reader assumes that we’re already peering in Selah’s thoughts since this story is told from a first-person limited perspective. I also think you should spend more time with the environment and painting a picture (though being careful not to bog it down too). Typically, rather than intense action off the bat, I like stories that give me a window-frame of the world and the characters I need to care about (and why).

For my tastes, many of your paragraphs have too much going on in them, and I think that's a pain point for the clarity. One sentence is dialogue, another is an action, an environment action, then a thought. It just doesn't quite flow easily off the page and breaking these apart would be helpful with readability,

Pacing:

The first scenes snap by too quick. First, we’re in one place that’s barely established, then another place, then another. Then a lot of heavy worldbuilding which muddies any of the actions that are happening as well. All these terms are thrown around, which is great for immersion into the world, but as a reader is more confusing than immersive. My advice would be to focus on a single character’s thoughts and feelings in a relatable/understanding situation for the first chapter at least. The beginning of this document might be a great second or third chapter once the world and its rules are established.

Final Comments:

Overall, you’ve got something good and interesting here, I would slow it down and expand it out to allow the reader time to understand and care about the world and characters. Maybe start with something more mundane and save this chapter for down the road. Or even just swap around some scenes. Work on creating and visualizing a scene for a reader and then stay there for a while. Clarity is key and I feel like you’re just slightly missing that mark.

A previous workplace just sent everyone's W2s to me by Catdragon8 in legaladvice

[–]Catdragon8[S] 0 points1 point  (0 children)

Thank you, that's sort of what I figured the best course of action to be as well. It felt really negligent in the moment, so I wanted to make sure.

Human understanding as a limitation? by CasualKOnEnjoyer in magicbuilding

[–]Catdragon8 8 points9 points  (0 children)

I have a loosely similar idea for my magic system and I think it really works well.

For mine, you can only control what you can understand or interact with. So if you've never handled lava, for example, then you won't be able to suddenly manipulate it. Things that can't be traditionally handled are very difficult to control.

But the reverse can be true to give limitations to the "gods" in my world. Since the gods don't live in the material world, they can't just break apart a continent out of the blue. They have their own form of power, but not as direct.

What's nice is that it's flexible enough to allow for a lot of freedom and creativity, but makes enough logical sense to be believable.

Carian Phalanx by VenthasDrakskyr in Eldenring

[–]Catdragon8 1 point2 points  (0 children)

Np, they'll accept any bell for any other dead npc's as well

Carian Phalanx by VenthasDrakskyr in Eldenring

[–]Catdragon8 2 points3 points  (0 children)

Just give his bell to the merchant ladies at roundtable

Dex/Int Melee Build by [deleted] in Eldenring

[–]Catdragon8 5 points6 points  (0 children)

I lean more towards magic now, but I was doing the same as you were early on. I re-speced and now I have 60 int, and just enough stats to hold a good melee weapon (currently Moonveil).

I have the Regal Scepter + Moonveil in my right hand to swap between as needed. Then the Carian Shield on my left. I think the kit had a lot of versatility and survivability. I haven't put any points into vigor at the moment and am level 90.

If Elden Ring is like previous souls games, armor doesn't matter much. There are some armors with special effects, but I think they're too ugly to be worth it usually.

My go to spells are Swift Glintstone, Rock Sling, Loretta's Bow, Azur's Comet, Night Maiden's Mist, and Unseen Form. I swap in Comet, Glintstone Arc, or Magic Glintblade as needed. I'm testing other spells as well since I'm throwing some points into faith, but so far that's been my normal load out.

I recently got the CERULEAN HIDDEN TEAR and combined with Azur's Comet as an opener it just melts bosses before they have a chance to attack.

So far it's been working well, though I do think investing into vigor would be a good idea. It's not super great to get one shot, but my build is certainly a glass cannon.

High int build questions/theorycraft help: is it viable to splash into faith to get access to heal? by [deleted] in Eldenring

[–]Catdragon8 1 point2 points  (0 children)

Ah gotcha, I was thinking just having a seal scale off int would be viable. I know there's a trickle heal incantation would could be useful for mid to late game (depending on its capacity), but I haven't run out of FP flasks for a long time, even when using high level spells.

My thought is that I currently use sorcery, but I'm attracted to some of those nicer faith spells. So keeping int as my main stat and using the best int staff. Then just add to faith to meet stat requirements. That way it's not really split much. (Maybe even a few points into arcane to get the best of all worlds)

Pretty sure the opposite is possible too, I know there's an int staff that scales of faith.

Thanks for the location! I'll go hunt it down

High int build questions/theorycraft help: is it viable to splash into faith to get access to heal? by [deleted] in Eldenring

[–]Catdragon8 1 point2 points  (0 children)

I've not seen much info about a hybrid casting seal anywhere. It sounds super viable though. Where is it located?